Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2020

Schedule of Bank's Actual Capital Amounts And Ratios

The Bank’s actual capital amounts and ratios for December 31, 2020 and 2019 are presented in the table below (in thousands).

						For Capital					To Be Well Capitalized
						Adequacy					Under Prompt Corrective
	Actual					Purposes					Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
As of December 31, 2020:
Common Equity Tier 1
(to Risk Weighted Assets)	$	61,290		12	%	$	23,531		4.50	%	$	33,989		6.50	%
Total Capital
(to Risk Weighted Assets)	$	67,667		13	%	$	41,833		8	%	$	52,291		10	%
Tier I Capital
(to Risk Weighted Assets)	$	61,290		12	%	$	31,375		6	%	$	41,833		8	%
Tier I Capital
(to Average Assets)	$	61,290		10	%	$	24,661		4	%	$	30,826		5	%
As of December 31, 2019:
Common Equity Tier 1
(to Risk Weighted Assets)	$	62,349		27	%	$	10,267		4.50	%	$	14,830		6.50	%
Total Capital
(to Risk Weighted Assets)	$	65,217		29	%	$	18,252		8	%	$	22,816		10	%
Tier I Capital
(to Risk Weighted Assets)	$	62,349		27	%	$	13,689		6	%	$	18,252		8	%
Tier I Capital
(to Average Assets)	$	62,349		20	%	$	12,681		4	%	$	15,863		5	%

Schedule of Reconciliation For Bank's Equity Capital Amounts Under GAAP To Tier 1 and Total Risk-based Capital

A reconciliation of the Bank’s equity capital amounts under GAAP to tier 1 and total risk-based capital for December 31, 2020 and 2019 are presented in the table below (in thousands).

	December 31, 2020				December 31, 2019
Regulatory capital:
Stockholders’ equity		$	82,003			62,575
Intangible assets			(18,940	)		—
Disallowed deferred taxes			(1,773	)		(226	)
Tier 1 risk-based capital			61,290			62,349
Eligible allowance for loan losses			6,377			2,868
Total risk-based capital		$	67,667			65,217