Actual

Minimum for Capital Adequacy Purposes:

Minimum to be Well Capitalized under Prompt Corrective Action Provisions:

(Dollars in thousands)

Amount

Ratio

Amount

Ratio

Amount

Ratio

As of December 31, 2015:

Total capital (to risk weighted assets)

$

67,540

16.07

%

$

33,624

8.00

%

$

42,030

10.00

%

Tier I capital (to risk weighted assets)

$

64,125

15.26

%

$

25,218

6.00

%

$

33,624

8.00

%

Common equity Tier I capital (to risk weighted assets)

$

64,125

15.26

%

$

18,913

4.50

%

$

27,319

6.50

%

Tier I capital (to average assets)

$

64,125

12.15

%

$

21,110

4.00

%

$

26,387

5.00

%

As of December 31, 2014:

Total capital (to risk weighted assets)

$

53,545

15.80

%

$

27,105

8.00

%

$

33,881

10.00

%

Tier I capital (to risk weighted assets)

$

49,302

14.55

%

N/A

$

20,329

6.00

%

Tier I capital (to adjusted total assets)

$

49,302

10.59

%

$

18,624

4.00

%

$

23,280

5.00

%

Tangible capital (to adjusted total assets)

$

49,302

10.59

%

$

6,984

1.50

%

N/A