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Regulatory Requirements and Restrictions (Tables)

12 Months Ended

Dec. 31, 2022

Regulatory Requirements and Restrictions

Schedule of actual capital amounts and ratios

December 31, 2022

Minimum Capital

Well Capitalized

Actual

Requirements

Requirements

(Dollars in thousands)

Amount

Ratio

Amount

Ratio

Amount

Ratio

The Corporation

Total risk-based capital ratio

$

280,606

15.4

%

$

145,958

8.0

%

$

N/A

N/A

%

Tier 1 risk-based capital ratio

233,581

12.8

109,468

6.0

N/A

N/A

Common Equity Tier 1 capital ratio

208,581

11.4

82,101

4.5

N/A

N/A

Tier 1 leverage ratio

233,581

9.9

94,562

4.0

N/A

N/A

The Bank

Total risk-based capital ratio

$

255,719

14.2

%

$

144,074

8.0

%

$

180,093

10.0

%

Tier 1 risk-based capital ratio

232,985

12.9

108,056

6.0

144,074

8.0

Common Equity Tier 1 capital ratio

232,985

12.9

81,042

4.5

117,060

6.5

Tier 1 leverage ratio

232,985

9.9

93,856

4.0

117,320

5.0


		December 31, 2021
							Minimum Capital					Well Capitalized
		Actual					Requirements					Requirements
(Dollars in thousands)		Amount			Ratio		Amount			Ratio		Amount			Ratio
The Corporation
Total risk-based capital ratio		$	257,779		15.8	%	$	130,817		8.0	%	$	N/A		N/A	%
Tier 1 risk-based capital ratio			213,095		13.0			98,113		6.0			N/A		N/A
Common Equity Tier 1 capital ratio			188,095		11.5			73,585		4.5			N/A		N/A
Tier 1 leverage ratio			213,095		9.7			88,121		4.0			N/A		N/A

The Bank
Total risk-based capital ratio		$	233,780		14.5	%	$	128,701		8.0	%	$	160,876		10.0	%
Tier 1 risk-based capital ratio			213,423		13.3			96,526		6.0			128,701		8.0
Common Equity Tier 1 capital ratio			213,423		13.3			72,394		4.5			104,569		6.5
Tier 1 leverage ratio			213,423		9.8			87,184		4.0			108,980		5.0