REGULATORY MATTERS (Tables)

3 Months Ended

Mar. 31, 2020

REGULATORY MATTERS

Summary of actual and required capital ratios for the Company and Bank under the Basel III Capital Rules

			Minimum		Required to be
			Capital Required		Considered Well
	Actual		Basel III		Capitalized
(Dollars in thousands)	Amount	Ratio	Amount	Ratio	Amount	Ratio
March 31, 2020
Common Equity Tier 1 to Risk-Weighted Assets:
Consolidated	$ 445,818	15.23%	$ 204,968	7.00%	N/A	N/A
Bank Only	$ 408,922	13.97%	$ 204,950	7.00%	$ 190,311	6.50%
Tier 1 Capital to Risk-Weighted Assets:
Consolidated	$ 445,818	15.23%	$ 248,889	8.50%	N/A	N/A
Bank Only	$ 408,922	13.97%	$ 248,868	8.50%	$ 234,229	8.00%
Total Capital to Risk-Weighted Assets:
Consolidated	$ 480,681	16.42%	$ 307,451	10.50%	N/A	N/A
Bank Only	$ 443,785	15.16%	$ 307,425	10.50%	$ 292,786	10.00%
Tier 1 Leverage Capital to Average Assets:
Consolidated	$ 445,819	13.18%	$ 135,334	4.00%	N/A	N/A
Bank Only	$ 408,922	12.09%	$ 135,307	4.00%	$ 169,133	5.00%
December 31, 2019
Common Equity Tier 1 to Risk-Weighted Assets:
Consolidated	$ 448,445	15.52%	$ 202,218	7.00%	N/A	N/A
Bank Only	$ 406,675	14.08%	$ 202,203	7.00%	$ 187,760	6.50%
Tier 1 Capital to Risk-Weighted Assets:
Consolidated	$ 448,445	15.52%	$ 245,550	8.50%	N/A	N/A
Bank Only	$ 406,675	14.08%	$ 245,532	8.50%	$ 231,089	8.00%
Total Capital to Risk-Weighted Assets:
Consolidated	$ 474,104	16.41%	$ 303,327	10.50%	N/A	N/A
Bank Only	$ 432,334	14.97%	$ 303,304	10.50%	$ 288,861	10.00%
Tier 1 Leverage Capital to Average Assets:
Consolidated	$ 448,445	13.11%	$ 136,798	4.00%	N/A	N/A
Bank Only	$ 406,675	11.90%	$ 136,754	4.00%	$ 170,943	5.00%