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Regulatory Capital Requirements (Tables)
 12 Months Ended
Dec. 31, 2020
Regulatory Capital Requirements  
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 in effect at December 31, 2020 and 2019:

 

(Dollars in thousands)                  To be  
           For capital adequacy   well-capitalized under regulatory 
   Actual   purposes   guidelines 
   Amount   Ratio   Amount   Ratio (1)   Amount   Ratio 
                         
As of December 31, 2020                              
Leverage  $121,068    10.70%  $45,262    4.0%  $56,577    5.0%
Common Equity Tier 1 Capital   100,068    13.77%   50,866    7.0%   47,233    6.5%
Tier 1 Capital   121,068    16.66%   61,766    8.5%   58,133    8.0%
Total Risk Based Capital   129,983    17.89%   76,300    10.5%   72,666    10.0%
                               
As of December 31, 2019                              
Leverage  $106,938    10.94%  $39,109    4.0%  $48,887    5.0%
Common Equity Tier 1 Capital   85,938    13.09%   45,952    7.0%   42,670    6.5%
Tier 1 Capital   106,938    16.29%   55,799    8.5%   52,517    8.0%
Total Risk Based Capital   113,545    17.30%   68,928    10.5%   65,646    10.0%

 

(1) The required percent for capital adequacy purposes includes 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 in effect at December 31, 2020 and 2019:

 

(Dollars in thousands)                  To be  
       For capital adequacy   well-capitalized under regulatory 
   Actual   purposes   guidelines 
   Amount   Ratio   Amount   Ratio (1)   Amount   Ratio 
As of December 31, 2020                        
Leverage  $118,174    10.47%  $45,139    4.0%  $56,423    5.0%
Common Equity Tier 1 Capital   118,174    16.27%   50,829    7.0%   47,199    6.5%
Tier 1 Capital   118,174    16.27%   61,721    8.5%   58,091    8.0%
Total Risk Based Capital   127,089    17.50%   76,244    10.5%   72,613    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%   65,547    10.0%

 

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