Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2019

Regulatory Matters

Summary of Company's and Bank's Actual Capital Amounts and Ratios

The Company’s and Bank’s actual capital amounts and ratios are presented in the following table.

									To Be Well Capitalized
					For Capital Adequacy				Under Prompt Corrective
	Actual				Purposes				Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(Dollars in thousands)
As of December 31, 2019
Total Capital
(to Risk-Weighted Assets)
Consolidated	$	83,653	16.7	%	$	40,027	8.0	%		N/A	N/A
Unified		68,953	13.8			39,972	8.0		$	49,776	10.0	%
Common Equity Tier 1 Capital
(to Risk-Weighted Assets)
Consolidated	$	57,422	11.5	%	$	22,515	4.5	%		N/A	N/A
Unified		66,722	13.4			22,484	4.5		$	32,355	6.5	%
Tier I Capital
(to Risk-Weighted Assets)
Consolidated	$	61,422	12.3	%	$	30,020	6.0	%		N/A	N/A
Unified		66,722	13.4			29,979	6.0		$	39,821	8.0	%
Tier I Capital
(to Average Assets)
Consolidated	$	61,422	9.5	%	$	30,020	4.0	%		N/A	N/A
Unified		66,722	10.1			29,979	4.0		$	33,10	5.0	%
As of December 31, 2018
Total Capital
(to Risk-Weighted Assets)
Consolidated	$	53,461	12.0	%	$	35,720	8.0	%		N/A	N/A
Unified		50,690	11.4			35,643	8.0		$	44,554	10.0	%
Common Equity Tier 1 Capital
(to Risk-Weighted Assets)
Consolidated	$	47,418	10.6	%	$	20,092	4.5	%		N/A	N/A
Unified		48,647	10.9			20,049	4.5		$	28,960	6.5	%
Tier I Capital
(to Risk-Weighted Assets)
Consolidated	$	51,418	11.5	%	$	26,790	6.0	%		N/A	N/A
Unified		48,647	10.9			26,733	6.0		$	35,643	8.0	%
Tier I Capital
(to Average Assets)
Consolidated	$	51,418	8.8	%	$	23,275	4.0	%		N/A	N/A
Unified		48,647	8.4			23,189	4.0		$	28,986	5.0	%