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Regulatory Capital Matters (Tables)
9 Months Ended
Sep. 30, 2020
Regulatory Capital Requirements [Abstract]  
Summary of Actual and Required Capital Amounts and Ratios, Exclusive of Capital Conservation Buffer

Actual and required capital amounts (in thousands) and ratios, exclusive of the capital conservation buffer, are presented below as of September 30, 2020 and December 31, 2019:

 

 

 

 

 

 

 

 

 

 

 

Required for

 

 

Minimum

 

 

 

 

 

 

 

 

 

 

 

Capital Adequacy

 

 

To be Considered

 

 

 

Actual

 

 

Purposes

 

 

"Well Capitalized"

 

(Dollars in thousands)

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

As of September 30, 2020:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

153,025

 

 

 

14.93

%

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Bank

 

 

148,830

 

 

 

14.51

%

 

 

82,031

 

 

 

8.00

%

 

 

102,538

 

 

 

10.00

%

Tier 1 capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

140,192

 

 

 

13.67

%

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Bank

 

 

135,995

 

 

 

13.26

%

 

 

61,523

 

 

 

6.00

%

 

 

82,031

 

 

 

8.00

%

Common equity Tier 1 capital (to risk-weighted

   assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

140,192

 

 

 

13.67

%

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Bank

 

 

135,995

 

 

 

13.26

%

 

 

46,142

 

 

 

4.50

%

 

 

66,650

 

 

 

6.50

%

Tier 1 capital (to average assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

140,192

 

 

 

10.85

%

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Bank

 

 

135,995

 

 

 

10.52

%

 

 

51,703

 

 

 

4.00

%

 

 

64,629

 

 

 

5.00

%

 

 

 

 

 

 

 

 

 

 

 

Required for

 

 

Minimum

 

 

 

 

 

 

 

 

 

 

 

Capital Adequacy

 

 

To be Considered

 

 

 

Actual

 

 

Purposes

 

 

"Well Capitalized"

 

(Dollars in thousands)

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

As of December 31, 2019:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

150,092

 

 

 

15.18

%

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Bank

 

 

147,820

 

 

 

14.96

%

 

 

79,069

 

 

 

8.00

%

 

 

98,836

 

 

 

10.00

%

Tier 1 capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

139,975

 

 

 

14.16

%

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Bank

 

 

137,703

 

 

 

13.93

%

 

 

59,301

 

 

 

6.00

%

 

 

79,069

 

 

 

8.00

%

Common equity Tier 1 capital (to risk-weighted

   assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

139,975

 

 

 

14.16

%

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Bank

 

 

137,703

 

 

 

13.93

%

 

 

44,476

 

 

 

4.50

%

 

 

64,243

 

 

 

6.50

%

Tier 1 capital (to average assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

139,975

 

 

 

12.14

%

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Bank

 

 

137,703

 

 

 

11.95

%

 

 

46,103

 

 

 

4.00

%

 

 

57,629

 

 

 

5.00

%