Regulatory Capital Matters (Tables)

9 Months Ended

Sep. 30, 2021

The following table presents the regulatory capital amounts and ratios for the Company and the Bank as of dates indicated:



($ in thousands)	September 30, 2021
	Actual (1)				Required for Capital Adequacy Purposes			Minimum To be Considered "Well Capitalized"
	Amount		Ratio		Amount	Ratio		Amount	Ratio
Total capital (to risk-weighted assets)
Consolidated	$	172,873	13.81	%	N/A	N/A		N/A	N/A
Bank	170,171		13.60	%	100,135	8.00	%	125,169	10.00	%
Tier 1 capital (to risk-weighted assets)
Consolidated	158,126		12.63	%	N/A	N/A		N/A	N/A
Bank	155,424		12.42	%	75,101	6.00	%	100,135	8.00	%
Common equity Tier 1 capital (to risk-weighted assets)
Consolidated	158,126		12.63	%	N/A	N/A		N/A	N/A
Bank	155,424		12.42	%	56,326	4.50	%	81,360	6.50	%
Tier 1 leverage (to average assets)
Consolidated	158,126		9.75	%	N/A	N/A		N/A	N/A
Bank	155,424		9.58	%	64,875	4.00	%	81,094	5.00	%

(1)The capital requirements are only applicable to the Bank, and the Company's ratios are included for comparison purpose.



($ in thousands)	December 31, 2020
	Actual (1)				Required for Capital Adequacy Purposes			Minimum To be Considered "Well Capitalized"
	Amount		Ratio		Amount	Ratio		Amount	Ratio
Total capital (to risk-weighted assets)
Consolidated	$	155,287	14.81	%	N/A	N/A		N/A	N/A
Bank	152,232		14.52	%	83,859	8.00	%	104,824	10.00	%
Tier 1 capital (to risk-weighted assets)
Consolidated	142,147		13.56	%	N/A	N/A		N/A	N/A
Bank	139,092		13.27	%	62,894	6.00	%	83,859	8.00	%
Common equity Tier 1 capital (to risk-weighted assets)
Consolidated	142,147		13.56	%	N/A	N/A		N/A	N/A
Bank	139,092		13.27	%	47,171	4.50	%	68,136	6.50	%
Tier 1 leverage (to average assets)
Consolidated	142,147		10.55	%	N/A	N/A		N/A	N/A
Bank	139,092		10.32	%	53,915	4.00	%	67,393	5.00	%

(1)The capital requirements are only applicable to the Bank, and the Company's ratios are included for comparison purpose.