XML 41 R30.htm IDEA: XBRL DOCUMENT v3.21.2
Regulatory Capital Requirements (Tables)
 6 Months Ended
Jun. 30, 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 June 30, 2021 and December 31, 2020:

                  To be well-capitalized 
           For capital   under regulatory 
   Actual   adequacy purposes   guidelines 
(Dollars in thousands)  Amount   Ratio   Amount   Ratio (1)   Amount   Ratio 
As of June 30, 2021                              
Leverage  $129,817    10.55%  $49,205    4.0%  $61,507    5.0%
Common Equity Tier 1 Capital   108,817    14.73%   51,721    7.0%   48,027    6.5%
Tier 1 Capital   129,817    17.57%   62,804    8.5%   59,110    8.0%
Total Risk Based Capital   139,091    18.82%   77,581    10.5%   73,887    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 June 30, 2021 and December 31, 2020:

                            To be well-capitalized  
                            under prompt  
              For capital     corrective  
    Actual     adequacy purposes     action provisions  
(Dollars in thousands)   Amount     Ratio     Amount     Ratio (1)     Amount     Ratio  
As of June 30, 2021                                    
Leverage   $ 126,504       10.31 %   $ 49,074       4.0 %   $ 61,343       5.0 %
Common Equity Tier 1 Capital     126,504       17.14 %     51,657       7.0 %     47,967       6.5 %
Tier 1 Capital     126,504       17.14 %     62,726       8.5 %     59,036       8.0 %
Total Risk Based Capital     135,729       18.39 %     77,485       10.5 %     73,795       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%.