REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2018

REGULATORY MATTERS

Schedule of the Corporation's and the Bank's actual and capital amounts and ratios compared to generally applicable regulatory requirements

The Corporation’s and the Bank’s actual capital and ratios compared to generally applicable regulatory requirements as of December 31, 2018 are as follows (dollars in thousands):

	Actual				Adequacy Purposes					Well-Capitalized
	Amount		Ratio		Amount			Ratio		Amount		Ratio
Total capital to risk weighted assets:
Consolidated	$	124,207	12.5%	>	$	79,705	>	8.0%	>		N/A	N/A
mBank	$	121,406	12.2%	>	$	79,464	>	8.0%	>	$	99,329	10.0%
Tier 1 capital to risk weighted assets:
Consolidated	$	119,024	12.0%	>	$	59,779	>	6.0%	>		N/A	N/A
mBank	$	116,264	11.7%	>	$	59,598	>	6.0%	>	$	79,464	8.0%
Common equity Tier 1 capital to risk weighted assets
Consolidated	$	119,024	12.0%	>	$	44,834	>	4.5%	>		N/A	N/A
mBank	$	116,264	11.7%	>	$	44,698	>	4.5%	>	$	64,564	6.5%
Tier 1 capital to average assets:
Consolidated	$	119,024	9.2%	>	$	51,552	>	4.0%	>		N/A	N/A
mBank	$	116,264	9.0%	>	$	51,556	>	4.0%	>	$	64,445	5.0%

The Corporation’s and the Bank’s actual capital and ratios compared to generally applicable regulatory requirements as of December 31, 2017 are as follows (dollars in thousands):

	Actual				Adequacy Purposes					Well-Capitalized
	Amount		Ratio		Amount			Ratio		Amount		Ratio
Total capital to risk weighted assets:
Consolidated	$	74,533	9.3%	>	$	64,190	>	8.0%	>		N/A	N/A
mBank	$	93,598	11.7%	>	$	64,202	>	8.0%	>	$	80,252	10.0%
Tier 1 capital to risk weighted assets:
Consolidated	$	69,454	8.7%	>	$	48,142	>	6.0%	>		N/A	N/A
mBank	$	88,560	11.0%	>	$	48,151	>	6.0%	>	$	64,202	8.0%
Common equity Tier 1 capital to risk weighted assets
Consolidated	$	69,454	8.7%	>	$	36,107	>	4.5%	>		N/A	N/A
mBank	$	88,560	11.0%	>	$	36,113	>	4.5%	>	$	52,164	6.5%
Tier 1 capital to average assets:
Consolidated	$	69,454	7.1%	>	$	39,375	>	4.0%	>		N/A	N/A
mBank	$	88,560	9.0%	>	$	39,279	>	4.0%	>	$	49,098	5.0%