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Regulatory Capital Requirements (Tables)
 6 Months Ended
Jun. 30, 2020
Schedule of Compliance with Regulatory Capital Requirements for Mortgage Companies

The following is a comparison of the Company’s regulatory capital to minimum capital requirements at June 30, 2020 and December 31, 2019:

 

 

(Dollars in thousands)      For capital 
   Actual   adequacy purposes 
   Amount   Ratio   Amount   Ratio (1) 
As of June 30, 2020                    
Leverage  $111,568    10.41%   $42,880    4.0% 
Common Equity Tier 1 Capital   90,568    13.14%    48,247    7.0% 
Tier 1 Capital   111,568    16.19%    58,585    8.5% 
Total Risk Based Capital   119,455    17.33%    72,370    10.5% 
                     
As of December 31, 2019                    
Leverage  $106,938    10.94%   $39,109    4.0% 
Common Equity Tier 1 Capital   85,938    13.09%    45,952    7.0% 
Tier 1 Capital   106,938    16.29%    55,799    8.5% 
Total Risk Based Capital   113,545    17.30%    68,928    10.5% 

 

(1) The required ratios for capital adequacy purposes include a capital conservation buffer of 2.5%.
Schedule of Compliance with Regulatory Capital Requirements Under Banking Regulations

The following is a comparison of the Bank’s regulatory capital to minimum capital requirements at June 30, 2020 and December 31, 2019:

 

 

       To be well-capitalized 
       under prompt 
(Dollars in thousands)      For capital   corrective 
   Actual   adequacy purposes   action provisions 
   Amount   Ratio   Amount   Ratio(1)   Amount   Ratio 
As of June 30, 2020                              
Leverage  $109,028    10.20%   $42,767    4.0%   $53,459    5.0% 
Common Equity Tier 1 Capital   109,028    15.92%    47,937    7.0%    44,513    6.5% 
Tier 1 Capital   109,028    15.92%    58,210    8.5%    54,785    8.0% 
Total Risk Based Capital   116,915    17.07%    71,906    10.5%    68,482    10.0% 
                               
As of December 31, 2019                              
Leverage  $104,510    10.72%   $38,984    4.0%   $48,730    5.0% 
Common Equity Tier 1 Capital   104,510    15.94%    45,884    7.0%    42,607    6.5% 
Tier 1 Capital   104,510    15.94%    55,716    8.5%    52,439    8.0% 
Total Risk Based Capital   111,117    16.95%    68,826    10.5%    65,549    10.0% 

 

(1) The required ratios for capital adequacy purposes include a capital conservation buffer of 2.5%.