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REGULATORY CAPITAL (Tables)
12 Months Ended
Dec. 31, 2019
REGULATORY CAPITAL  
Schedule of compliance with regulatory capital requirements under banking regulations

The Company believes that no conditions or events have occurred that would change this conclusion. To be categorized as well capitalized, the Company must maintain minimum total risk-based, common equity Tier 1 risk-based, Tier 1 risk-based, and Tier 1 leverage ratios as set forth in the table.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

AT DECEMBER 31, 2019

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

TO BE WELL

 

 

 

 

 

 

 

 

 

 

 

 

 

MINIMUM

 

CAPITALIZED

 

 

 

 

 

 

 

 

 

 

 

 

 

REQUIRED

 

UNDER

 

 

 

 

 

 

 

 

 

 

 

 

 

FOR

 

PROMPT

 

 

 

 

 

 

 

 

 

 

 

 

 

CAPITAL

 

CORRECTIVE

 

 

 

 

 

 

 

 

 

 

 

 

 

ADEQUACY

 

ACTION

 

 

 

COMPANY

 

BANK

 

PURPOSES

 

REGULATIONS*

 

 

    

AMOUNT

    

RATIO

    

AMOUNT

    

RATIO

    

RATIO

    

RATIO

 

 

 

(IN THOUSANDS, EXCEPT RATIOS)

 

Total Capital (To Risk Weighted Assets)

 

$

132,544

 

13.49

%  

$

119,477

 

12.23

%  

8.00

%  

10.00

%

Tier 1 Common Equity (To Risk Weighted Assets)

 

 

102,841

 

10.47

 

 

109,173

 

11.17

 

4.50

 

6.50

 

Tier 1 Capital (To Risk Weighted Assets)

 

 

114,729

 

11.68

 

 

109,173

 

11.17

 

6.00

 

8.00

 

Tier 1 Capital (To Average Assets)

 

 

114,729

 

9.87

 

 

109,173

 

9.50

 

4.00

 

5.00

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

AT DECEMBER 31, 2018

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

TO BE WELL

 

 

 

 

 

 

 

 

 

 

 

 

 

MINIMUM

 

CAPITALIZED

 

 

 

 

 

 

 

 

 

 

 

 

 

REQUIRED

 

UNDER

 

 

 

 

 

 

 

 

 

 

 

 

 

FOR

 

PROMPT

 

 

 

 

 

 

 

 

 

 

 

 

 

CAPITAL

 

CORRECTIVE

 

 

 

 

 

 

 

 

 

 

 

 

 

ADEQUACY

 

ACTION

 

 

 

COMPANY

 

BANK

 

PURPOSES

 

REGULATIONS*

 

 

    

AMOUNT

    

RATIO

    

AMOUNT

    

RATIO

    

RATIO

    

RATIO

 

 

 

(IN THOUSANDS, EXCEPT RATIOS)

 

Total Capital (To Risk Weighted Assets)

 

$

129,178

 

13.53

%  

$

115,451

 

12.14

%  

8.00

%  

10.00

%

Tier 1 Common Equity (To Risk Weighted Assets)

 

 

100,258

 

10.50

 

 

105,891

 

11.14

 

4.50

 

6.50

 

Tier 1 Capital (To Risk Weighted Assets)

 

 

112,130

 

11.74

 

 

105,891

 

11.14

 

6.00

 

8.00

 

Tier 1 Capital (To Average Assets)

 

 

112,130

 

9.71

 

 

105,891

 

9.28

 

4.00

 

5.00

 


*Applies to the Bank only.