Regulatory Capital Matters (Tables)

6 Months Ended

Jun. 30, 2020

Actual and required capital amounts and ratios are presented below:


	Actual						For Capital Adequacy Purposes						For Capital Adequacy Purposes + Capital Conservation Buffer(1)				Well Capitalized Under Prompt Corrective Action Provisions
(Dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
June 30, 2020
Common equity tier 1 to risk-weighted assets:
Consolidated	$	133,858	8.76	%	$	68,786	4.50	%	$	107,001	7.00	%
Bank	175,391		11.48	%	68,763		4.50	%	106,965		7.00	%	$	99,324	6.50	%
Tier 1 capital to risk-weighted assets:
Consolidated	$	133,858	8.76	%	$	91,715	6.00	%	$	129,930	8.50	%
Bank	175,391		11.48	%	91,684		6.00	%	129,886		8.50	%	$	122,245	8.00	%
Total capital to risk-weighted assets:
Consolidated	$	195,850	12.81	%	$	122,287	8.00	%	$	160,501	10.50	%
Bank	192,926		12.63	%	122,245		8.00	%	160,447		10.50	%	$	152,807	10.00	%
Tier 1 capital to average assets (leverage ratio):
Consolidated	$	133,858	6.21	%	$	86,249	4.00	%	$	86,249	4.00	%
Bank	175,391		8.17	%	85,879		4.00	%	85,879		4.00	%	$	107,349	5.00	%
December 31, 2019
Common equity tier 1 to risk-weighted assets:
Consolidated	$	157,659	11.72	%	$	60,533	4.50	%	$	94,163	7.00	%
Bank	165,199		12.27	%	60,568		4.50	%	94,217		7.00	%	$	87,487	6.50	%
Tier 1 capital to risk-weighted assets:
Consolidated	$	157,659	11.72	%	$	80,711	6.00	%	$	114,341	8.50	%
Bank	165,199		12.27	%	80,757		6.00	%	114,406		8.50	%	$	107,676	8.00	%
Total capital to risk-weighted assets:
Consolidated	$	215,091	15.99	%	$	107,615	8.00	%	$	141,244	10.50	%
Bank	178,191		13.24	%	107,676		8.00	%	141,325		10.50	%	$	134,595	10.00	%
Tier 1 capital to average assets (leverage ratio):
Consolidated	$	157,659	10.41	%	$	60,580	4.00	%	$	60,580	4.00	%
Bank	165,199		10.96	%	60,276		4.00	%	60,276		4.00	%	$	75,345	5.00	%

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(1) Reflects the capital conservation buffer of 2.5%.