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Regulatory Matters (Tables)
12 Months Ended
Dec. 31, 2022
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, 2022:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Capital (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$178,286

 

 

 

14.04%

 

 

101,608

 

 

 

8.00%

 

 

N/A

 

 

 

N/A

 

Bank

 

$176,923

 

 

 

13.93%

 

 

101,606

 

 

 

8.00%

 

 

133,357

 

 

 

10.50%

Tier 1 Capital (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$167,792

 

 

 

13.21%

 

 

76,206

 

 

 

6.00%

 

 

N/A

 

 

 

N/A

 

Bank

 

$166,429

 

 

 

13.10%

 

 

76,204

 

 

 

6.00%

 

 

107,956

 

 

 

8.50%

Tier 1 Capital (to Average Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$167,792

 

 

 

9.82%

 

 

68,347

 

 

 

4.00%

 

 

N/A

 

 

 

N/A

 

Bank

 

$166,429

 

 

 

9.68%

 

 

68,780

 

 

 

4.00%

 

 

68,780

 

 

 

4.00%

Common Equity Tier 1 (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$152,792

 

 

 

12.03%

 

 

57,154

 

 

 

4.50%

 

 

N/A

 

 

 

N/A

 

Bank

 

$166,429

 

 

 

13.10%

 

 

57,153

 

 

 

4.50%

 

 

88,905

 

 

 

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, 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%