XML 68 R52.htm IDEA: XBRL DOCUMENT v3.25.1
Regulatory Capital Requirements (Tables)
 12 Months Ended
Dec. 31, 2024
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, 2024 and 2023:

 

(Dollars in thousands)                
           For capital 
   Actual   adequacy purposes 
   Amount   Ratio   Amount   Ratio (1) 
                 
As of December 31, 2024                    
Leverage  $139,657    9.02%  $61,964    4.0%
Common Equity Tier 1 Capital   118,657    10.49%   79,164    7.0%
Tier 1 Capital   139,657    12.35%   96,128    8.5%
Total Risk-Based Capital   152,121    13.45%   118,746    10.5%
                     
As of December 31, 2023                    
Leverage  $130,625    8.41%  $62,116    4.0%
Common Equity Tier 1 Capital   109,625    10.39%   73,854    7.0%
Tier 1 Capital   130,625    12.38%   89,680    8.5%
Total Risk-Based Capital   140,671    13.33%   110,781    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, 2024 and 2023:

 

(Dollars in thousands)                  To be well-capitalized 
           For capital   under regulatory 
   Actual   adequacy purposes   guidelines 
   Amount   Ratio   Amount   Ratio (1)   Amount   Ratio 
As of December 31, 2024                        
Leverage  $140,523    9.10%  $61,770             4.0%  $77,213    5.0%
Common Equity Tier 1 Capital   140,523    12.43%   79,146    7.0%   73,493    6.5%
Tier 1 Capital   140,523    12.43%   96,106    8.5%   90,453    8.0%
Total Risk-Based Capital   152,987    13.53%   118,719    10.5%   113,066    10.0%
                               
As of December 31, 2023                              
Leverage  $134,422    8.68%  $61,951    4.0%  $77,439    5.0%
Common Equity Tier 1 Capital   134,422    12.74%   73,833    7.0%   68,560    6.5%
Tier 1 Capital   134,422    12.74%   89,655    8.5%   84,381    8.0%
Total Risk-Based Capital   144,468    13.70%   110,750    10.5%   105,476    10.0%

 

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