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Regulatory Capital Requirements (Tables)
 3 Months Ended
Mar. 31, 2021
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 March 31, 2021 and December 31, 2020:

 

(Dollars in thousands)              To be well-capitalized 
           For capital   under regulatory 
   Actual   adequacy purposes   guidelines 
   Amount   Ratio   Amount   Ratio (1)   Amount   Ratio 
As of March 31, 2021                        
Leverage  $125,652    10.43%  $48,185    4.0%  $60,232    5.0%
Common Equity Tier 1 Capital   104,652    14.38%   50,946    7.0%   47,307    6.5%
Tier 1 Capital   125,652    17.26%   61,863    8.5%   58,224    8.0%
Total Risk Based Capital   134,752    18.51%   76,419    10.5%   72,780    10.0%
                               
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%

 

(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 Regulation

The following is a comparison of the Bank’s regulatory capital to minimum capital requirements at March 31, 2021 and December 31, 2020:

                   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 March 31, 2021                        
Leverage  $122,481    10.19%  $48,064    4.0%  $60,080    5.0%
Common Equity Tier 1 Capital   122,481    16.84%   50,901    7.0%   47,265    6.5%
Tier 1 Capital   122,481    16.84%   61,808    8.5%   58,173    8.0%
Total Risk Based Capital   131,574    18.09%   76,352    10.5%   72,716    10.0%
                               
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%

 

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