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13. Regulatory Matters (Tables)
12 Months Ended
Dec. 31, 2021
13. Regulatory Matters  
Bank's actual capital amounts and ratios

(Dollars in thousands)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Actual

 

 

 Minimum Regulatory Capital Ratio

 

 

 Minimum Ratio plus Capital Conservation Buffer

 

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of December 31, 2021:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Capital (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$166,628

 

 

 

16.35%

 

 

81,547

 

 

 

8.00%

 

 

N/A

 

 

 

N/A

 

Bank

 

$164,975

 

 

 

16.19%

 

 

81,539

 

 

 

8.00%

 

 

107,020

 

 

 

10.50%

Tier 1 Capital (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$157,273

 

 

 

15.43%

 

 

61,160

 

 

 

6.00%

 

 

N/A

 

 

 

N/A

 

Bank

 

$155,620

 

 

 

15.27%

 

 

61,154

 

 

 

6.00%

 

 

86,635

 

 

 

8.50%

Tier 1 Capital (to Average Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$157,273

 

 

 

9.64%

 

 

65,258

 

 

 

4.00%

 

 

N/A

 

 

 

N/A

 

Bank

 

$155,620

 

 

 

9.50%

 

 

65,557

 

 

 

4.00%

 

 

65,557

 

 

 

4.00%

Common Equity Tier 1 (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$142,273

 

 

 

13.96%

 

 

45,870

 

 

 

4.50%

 

 

N/A

 

 

 

N/A

 

Bank

 

$155,620

 

 

 

15.27%

 

 

45,866

 

 

 

4.50%

 

 

71,347

 

 

 

7.00%

(Dollars in thousands)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Actual

 

 

 Minimum Regulatory Capital Ratio

 

 

 Minimum Ratio plus Capital Conservation Buffer

 

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of December 31, 2020:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Capital (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$159,407

 

 

 

16.07%

 

 

79,372

 

 

 

8.00%

 

 

N/A

 

 

 

N/A

 

Bank

 

$157,106

 

 

 

15.85%

 

 

79,283

 

 

 

8.00%

 

 

104,059

 

 

 

10.50%

Tier 1 Capital (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$149,499

 

 

 

15.07%

 

 

59,529

 

 

 

6.00%

 

 

N/A

 

 

 

N/A

 

Bank

 

$147,198

 

 

 

14.85%

 

 

59,462

 

 

 

6.00%

 

 

84,238

 

 

 

8.50%

Tier 1 Capital (to Average Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$149,499

 

 

 

10.24%

 

 

58,378

 

 

 

4.00%

 

 

N/A

 

 

 

N/A

 

Bank

 

$147,198

 

 

 

10.04%

 

 

58,662

 

 

 

4.00%

 

 

58,662

 

 

 

4.00%

Common Equity Tier 1 (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$134,499

 

 

 

13.56%

 

 

44,647

 

 

 

4.50%

 

 

N/A

 

 

 

N/A

 

Bank

 

$147,198

 

 

 

14.85%

 

 

44,597

 

 

 

4.50%

 

 

69,373

 

 

 

7.00%