Regulatory Capital (Tables)

12 Months Ended

Dec. 31, 2020

Deferred loan fees (costs), net and allowance for loan losses

Schedule of Actual Capital Positions and Ratios

The following table presents the Association’s actual capital positions and ratios under risk-based capital guidelines of Basel III and Basel I at December 31, 2020 and 2019, respectively:

											To be Well
											Capitalized Under					To be Well
						Minimum Capital					Prompt Corrective Action					Capitalized With Capital Conservation
	Actual					Requirements					Provisions					Buffer
	Amount		Ratio			Amount		Ratio			Amount		Ratio			Amount		Ratio
	(Dollars in Thousands)
December 31, 2020
Tangible Capital	$	11,335		12.35	%	$	1,376		1.50	%		N/A		N/A			N/A		N/A
Total Risked-based Capital		11,736		26.95	%		4,572		10.50	%		4,354		10.00	%		4,572		10.50	%
Common Equity Tier 1 Capital		11,335		26.03	%		3,048		7.00	%		2,830		6.50	%		3,048		7.00	%
Tier 1 Risk-based Capital		11,335		26.03	%		3,701		8.50	%		3,484		8.00	%		3,701		8.50	%
Tier 1 Leverage Capital		11,335		12.35	%		3,670		4.00	%		4,588		5.00	%		N/A		N/A
December 31, 2019
Tangible Capital	$	11,653		13.39	%	$	1,305		1.50	%		N/A		N/A			N/A		N/A
Total Risked-based Capital		12,082		26.81	%		4,732		10.50	%		4,506		10.00	%		4,732		10.50	%
Common Equity Tier 1 Capital		11,653		25.86	%		3,154		7.00	%		2,929		6.50	%		3,154		7.00	%
Tier 1 Risk-based Capital		11,653		25.86	%		3,830		8.50	%		3,605		8.00	%		3,830		8.50	%
Tier 1 Leverage Capital		11,653		13.39	%		3,480		4.00	%		4,350		5.00	%		N/A		N/A