To Be Well

Capitalized Under

For Capital

Prompt Corrective

Actual

Adequacy Purposes

Action Provisions

(dollars in thousands)

Amount

Ratio

Amount

Ratio

Amount

Ratio

2015

The Company:

Tier 1 Leverage Capital (to Average Assets)

$

59,595

9.77

%

$

24,401

4.00

%

N/A

Common Equity Tier 1 Capital (to Risk Weighted Assets)

51,595

10.04

%

23,119

4.50

%

N/A

Tier 1 Capital (to Risk Weighted Assets)

59,595

11.60

%

30,826

6.00

%

N/A

Total Capital (to Risk Weighted Assets)

64,845

12.62

%

41,101

8.00

%

N/A

The Bank:

Tier 1 Leverage Capital (to Average Assets)

$

59,958

9.83

%

$

24,393

4.00

%

$

30,491

5.00

%

Common Equity Tier 1 Capital (to Risk Weighted Assets)

59,958

11.72

%

23,029

4.50

%

33,265

6.50

%

Tier 1 Capital (to Risk Weighted Assets)

59,958

11.72

%

30,706

6.00

%

40,941

8.00

%

Total Capital (to Risk Weighted Assets)

65,207

12.74

%

40,941

8.00

%

51,177

10.00

%

2014

The Company:

Total Capital (to Risk Weighted Assets)

$

63,142

14.08

%

$

35,884

8.00

%

N/A

Common Equity Tier 1 Capital (to Risk Weighted Assets)

N/A

Tier 1 Capital (to Risk Weighted Assets)

58,218

12.98

%

17,942

4.00

%

N/A

Tier 1 Capital (to Average Assets)

58,218

9.62

%

24,210

4.00

%

N/A

The Bank:

Total Capital (to Risk Weighted Assets)

$

63,151

14.08

%

$

35,891

8.00

%

N/A

Common Equity Tier 1 Capital (to Risk Weighted Assets)

N/A

Tier 1 Capital (to Risk Weighted Assets)

58,227

12.98

%

17,946

4.00

%

N/A

Tier 1 Capital (to Average Assets)

58,227

9.63

%

24,198

4.00

%

N/A