Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2020



										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, 2020:

Total capital (to risk-weighted assets)
Consolidated	$	161,199	16.5%	≥	$	78,356		8.0%	≥	$	102,842		10.5%			N/A		N/A
Bank	$	161,145	16.5%	≥	$	78,342		8.0%	≥	$	102,823		10.5%	≥	$	97,927		10.0%

Tier 1 common equity (to risk-weighted assets)
Consolidated	$	148,931	15.2%	≥	$	44,075		4.5%	≥	$	68,562		7.0%			N/A		N/A
Bank	$	148,879	15.2%	≥	$	44,067		4.5%	≥	$	68,549		7.0%	≥	$	63,653		6.5%

Tier I capital (to risk-weighted assets)
Consolidated	$	148,931	15.2%	≥	$	58,767		6.0%	≥	$	83,253		8.5%			N/A		N/A
Bank	$	148,879	15.2%	≥	$	58,756		6.0%	≥	$	83,238		8.5%	≥	$	78,342		8.0%

Tier I capital (to average assets)
Consolidated	$	148,931	8.8%	≥	$	67,584		4.0%	≥	$	67,584		4.0%			N/A		N/A
Bank	$	148,879	8.8%	≥	$	67,584		4.0%	≥	$	67,584		4.0%	≥	$	84,479		5.0%



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%

^* The minimums under Basel III increased include the capital conservation buffer of 2.50%.