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Regulatory Capital Requirements (Tables)
 12 Months Ended
Dec. 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 in effect at December 31, 2021 and 2020:

 

(Dollars in thousands)                
           For capital 
   Actual   adequacy purposes 
   Amount   Ratio   Amount   Ratio (1) 
As of December 31, 2021                    
Leverage  $135,824    10.83%  $50,181    4.0%
Common Equity Tier 1 Capital   114,824    15.00%   53,592    7.0%
Tier 1 Capital   135,824    17.74%   65,077    8.5%
Total Risk Based Capital   144,739    18.91%   80,389    10.5%
                     
As of December 31, 2020                    
Leverage  $121,068    10.70%  $45,262    4.0%
Common Equity Tier 1 Capital   100,068    13.77%   50,866    7.0%
Tier 1 Capital   121,068    16.66%   61,766    8.5%
Total Risk Based Capital   129,983    17.89%   76,300    10.5%

 

(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, 2021 and 2020:

 

(Dollars in thousands)                   
   Actual   For capital adequacy purposes   To be well-capitalized under regulatory guidelines 
   Amount   Ratio   Amount   Ratio (1)   Amount   Ratio 
As of December 31, 2021                        
Leverage  $132,313    10.58%  $50,040    4.0%  $62,550    5.0%
Common Equity Tier 1 Capital   132,313    17.29%   53,563    7.0%   49,737    6.5%
Tier 1 Capital   132,313    17.29%   65,041    8.5%   61,215    8.0%
Total Risk Based Capital   141,228    18.46%   80,345    10.5%   76,519    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 percent for capital adequacy purposes includes a capital conservation buffer of 2.5%.