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Regulatory Capital Requirements (Tables)
 3 Months Ended
Mar. 31, 2023
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, 2023 and December 31, 2022.

 

(Dollars in thousands)                
           For capital 
   Actual   adequacy purposes 
   Amount   Ratio   Amount   Ratio (1) 
As of March 31, 2023                
Leverage  $123,487    8.23%  $59,989    4.0%
Common Equity Tier 1 Capital   102,487    10.29%   69,702    7.0%
Tier 1 Capital   123,487    12.40%   84,638    8.5%
Total Risk Based Capital   134,045    13.46%   104,552    10.5%
                     
As of December 31, 2022                    
Leverage  $122,275    8.14%  $60,100    4.0%
Common Equity Tier 1 Capital   101,275    10.37%   68,352    7.0%
Tier 1 Capital   122,275    12.52%   82,999    8.5%
Total Risk Based Capital   131,236    13.44%   102,528    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 March 31, 2023 and December 31, 2022:

 

                   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, 2023                        
Leverage  $129,947    8.69%  $59,823    4.0%  $74,779    5.0%
Common Equity Tier 1 Capital   129,947    13.06%   69,641    7.0%   64,667    6.5%
Tier 1 Capital   129,947    13.06%   84,565    8.5%   79,590    8.0%
Total Risk Based Capital   140,505    14.12%   104,462    10.5%   99,488    10.0%
                               
As of December 31, 2022                              
Leverage  $   128,643    8.59%  $59,933    4.0%  $74,917    5.0%
Common Equity Tier 1 Capital   128,643    13.18%   68,309    7.0%   63,430    6.5%
Tier 1 Capital   128,643    13.18%   82,947    8.5%   78,068    8.0%
Total Risk Based Capital   137,604    14.10%   102,464    10.5%   97,585    10.0%

 

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