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Regulatory Matters (Tables)
12 Months Ended
Dec. 31, 2023
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, 2023:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Capital (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$188,192

 

 

 

14.96%

 

 

100,636

 

 

 

8.00%

 

 

N/A

 

 

 

N/A

 

Bank

 

$186,774

 

 

 

14.85%

 

 

100,636

 

 

 

8.00%

 

 

132,085

 

 

 

10.50%

Tier 1 Capital (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$175,381

 

 

 

13.94%

 

 

75,477

 

 

 

6.00%

 

 

N/A

 

 

 

N/A

 

Bank

 

$173,963

 

 

 

13.83%

 

 

75,477

 

 

 

6.00%

 

 

106,926

 

 

 

8.50%

Tier 1 Capital (to Average Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$175,381

 

 

 

10.51%

 

 

66,757

 

 

 

4.00%

 

 

N/A

 

 

 

N/A

 

Bank

 

$173,963

 

 

 

10.35%

 

 

67,254

 

 

 

4.00%

 

 

67,254

 

 

 

4.00%

Common Equity Tier 1 (to Risk-Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$170,381

 

 

 

12.75%

 

 

56,608

 

 

 

4.50%

 

 

N/A

 

 

 

N/A

 

Bank

 

$173,963

 

 

 

13.83%

 

 

56,608

 

 

 

4.50%

 

 

88,057

 

 

 

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, 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%