Regulatory Capital Matters (Tables)

9 Months Ended

Sep. 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
September 30, 2020
Common equity tier 1 to risk-weighted assets:
Consolidated	$	139,067	8.83	%	$	70,875	4.50	%	$	110,250	7.00	%
Bank	176,593		11.23	%	70,760		4.50	%	110,070		7.00	%	$	102,208	6.50	%
Tier 1 capital to risk-weighted assets:
Consolidated	$	162,437	10.31	%	$	94,500	6.00	%	$	133,875	8.50	%
Bank	176,593		11.23	%	94,346		6.00	%	133,657		8.50	%	$	125,795	8.00	%
Total capital to risk-weighted assets:
Consolidated	$	226,679	14.39	%	$	126,000	8.00	%	$	165,375	10.50	%
Bank	196,274		12.48	%	125,795		8.00	%	165,106		10.50	%	$	157,244	10.00	%
Tier 1 capital to average assets (leverage ratio):
Consolidated	$	162,437	7.17	%	$	90,664	4.00	%	$	90,664	4.00	%
Bank	176,593		7.83	%	90,220		4.00	%	90,220		4.00	%	$	112,776	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%.