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Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2022

Regulatory Matters

Schedule of company's and bank's actual capital amounts and ratios


												To Be Well Capitalized
							For Capital Adequacy					Under Prompt Corrective
		Actual					Purposes					Action Provisions
		Amount			Ratio		Amount			Ratio		Amount			Ratio

		(Dollars in thousands)
As of December 31, 2022
Total Capital (to Risk-Weighted Assets)
Consolidated		$	103,369		17.4	%	$	47,579		8.0	%		N/A		N/A
Unified			79,551		14.2			44,778		8.0		$	55,973		10.0	%

Common Equity Tier 1 Capital (to Risk-Weighted Assets)
Consolidated		$	77,317		13.0	%	$	26,763		4.5	%		N/A		N/A
Unified			77,499		13.9			25,188		4.5		$	36,383		6.5	%

Tier I Capital (to Risk-Weighted Assets)
Consolidated		$	81,317		13.7	%	$	35,685		6.0	%		N/A		N/A
Unified			77,499		13.9			33,584		6.0		$	44,778		8.0	%

Tier I Capital (to Average Assets)
Consolidated		$	81,317		11.1	%	$	29,387		4.0	%		N/A		N/A
Unified			77,499		10.1			30,617		4.0		$	38,272		5.0	%

As of December 31, 2021
Total Capital (to Risk-Weighted Assets)
Consolidated		$	96,785		19.5	%	$	39,746		8.0	%		N/A		N/A
Unified			79,740		15.0			42,683		8.0		$	53,353		10.0	%

Common Equity Tier 1 Capital (to Risk-Weighted Assets)
Consolidated		$	69,112		13.9	%	$	22,357		4.5	%		N/A		N/A
Unified			76,067		14.3			24,009		4.5		$	34,680		6.5	%

Tier I Capital (to Risk-Weighted Assets)
Consolidated		$	73,112		14.7	%	$	29,810		6.0	%		N/A		N/A
Unified			76,067		14.3			32,012		6.0		$	42,683		8.0	%

Tier I Capital (to Average Assets)
Consolidated		$	73,112		10.3	%	$	28,438		4.0	%		N/A		N/A
Unified			76,067		10.6			28,594		4.0		$	35,742		5.0	%