XML 37 R22.htm IDEA: XBRL DOCUMENT
v3.22.0.1

Regulatory Matters | 12 Months Ended
--- | ---
Dec. 31, 2021
Regulatory Matters [Abstract] |
Regulatory Matters | (12) Regulatory Matters The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios of Common Equity Tier 1, Total and Tier I Capital to Risk-Weighted Assets and of Tier I Capital to Average Assets. Management believes, as of December 31, 2021 and 2020, that the Bank meets all capital adequacy requirements to which it is subject. As of December 31, 2021 and 2020, the most recent notification from the OCC categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum common equity Tier 1 risk-based, total risk-based, Tier I risk-based and Tier I leverage ratios as set forth below. There are no conditions or events since that notification that management believes have changed the Bank’s category. The Bank’s actual capital amounts and ratios for December 31, 2021 and 2020 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, 2021: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Common Equity Tier 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(to Risk Weighted Assets) |  | $ | 83,662 |  |  |  | 13 | % |  | $ | 27,960 |  |  |  | 4.50 | % |  | $ | 40,386 |  |  |  | 6.50 | %
Total Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(to Risk Weighted Assets) |  | $ | 91,438 |  |  |  | 15 | % |  | $ | 49,706 |  |  |  | 8 | % |  | $ | 62,133 |  |  |  | 10 | %
Tier I Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(to Risk Weighted Assets) |  | $ | 83,662 |  |  |  | 13 | % |  | $ | 37,280 |  |  |  | 6 | % |  | $ | 49,706 |  |  |  | 8 | %
Tier I Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(to Average Assets) |  | $ | 83,662 |  |  |  | 11 | % |  | $ | 31,070 |  |  |  | 4 | % |  | $ | 38,837 |  |  |  | 5 | %
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 | %
A reconciliation of the Bank’s equity capital amounts under GAAP to tier 1 and total risk-based capital for December 31, 2021 and 2020 are presented in the table below (in thousands).
| December 31, 2021 |  |  | December 31, 2020 |  |  |
Regulatory capital: |  |  |  |  |  |  |  |
Stockholders’ equity |  | $ | 103,187 |  |  |  | 82,003 |  |  |
Intangible assets |  |  | (18,749 | ) |  |  | (18,940 | ) |  |
Disallowed deferred taxes |  |  | (776 | ) |  |  | (1,773 | ) |  |
Tier 1 risk-based capital |  |  | 83,662 |  |  |  | 61,290 |  |  |
Eligible allowance for loan losses |  |  | 7,776 |  |  |  | 6,377 |  |  |
Total risk-based capital |  | $ | 91,438 |  |  |  | 67,667 |  |  |

X
- Definition Regulatory matters. + References No definition available. + Details
Name: | afbi_RegulatoryMattersAbstract
Namespace Prefix: | afbi_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1F -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958575-112826 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (c)(2) -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1A -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958569-112826 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (a)(2) -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (a)(1) -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (e) -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1D -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958573-112826 + Details
Name: | us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration