Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2019



										For capital adequacy				To be well capitalized
				For capital						purposes with capital				under prompt corrective
	Actual			adequacy purposes						conservation buffer*				action provisions
(dollars in thousands)	Amount		Ratio	Amount			Ratio			Amount		Ratio		Amount			Ratio
As of December 31, 2019:

Total capital (to risk-weighted assets)
Consolidated	$	111,910	15.8%	≥	$	56,796		8.0%	≥	$	74,545		10.5%			N/A		N/A
Bank	$	112,188	15.8%	≥	$	56,791		8.0%	≥	$	74,538		10.5%	≥	$	70,989		10.0%

Tier 1 common equity (to risk-weighted assets)
Consolidated	$	103,024	14.5%	≥	$	31,948		4.5%	≥	$	49,696		7.0%			N/A		N/A
Bank	$	103,303	14.6%	≥	$	31,945		4.5%	≥	$	49,692		7.0%	≥	$	46,143		6.5%

Tier I capital (to risk-weighted assets)
Consolidated	$	103,024	14.5%	≥	$	42,597		6.0%	≥	$	60,346		8.5%			N/A		N/A
Bank	$	103,303	14.6%	≥	$	42,593		6.0%	≥	$	60,340		8.5%	≥	$	56,791		8.0%

Tier I capital (to average assets)
Consolidated	$	103,024	10.4%	≥	$	39,650		4.0%	≥	$	39,650		4.0%			N/A		N/A
Bank	$	103,303	10.3%	≥	$	40,265		4.0%	≥	$	40,265		4.0%	≥	$	50,331		5.0%



As of December 31, 2018:

Total capital (to risk-weighted assets)
Consolidated	$	103,201	14.8%	≥	$	55,975	8.0%	≥	$	69,094	9.9%			N/A	N/A
Bank	$	103,313	14.8%	≥	$	55,970	8.0%	≥	$	69,088	9.9%	≥	$	69,962	10.0%

Tier 1 common equity (to risk-weighted assets)
Consolidated	$	94,442	13.5%	≥	$	31,486	4.5%	≥	$	44,605	6.4%			N/A	N/A
Bank	$	94,554	13.5%	≥	$	31,483	4.5%	≥	$	44,601	6.4%	≥	$	45,475	6.5%

Tier I capital (to risk-weighted assets)
Consolidated	$	94,442	13.5%	≥	$	41,981	6.0%	≥	$	55,100	7.9%			N/A	N/A
Bank	$	94,554	13.5%	≥	$	41,977	6.0%	≥	$	55,095	7.9%	≥	$	55,970	8.0%

Tier I capital (to average assets)
Consolidated	$	94,442	9.8%	≥	$	38,593	4.0%	≥	$	38,593	4.0%			N/A	N/A
Bank	$	94,554	9.8%	≥	$	38,591	4.0%	≥	$	38,591	4.0%	≥	$	48,238	5.0%

* The minimums under Basel III increased by 0.625% (the capital conservation buffer) annually until 2019.