Regulatory Matters (Tables)

9 Months Ended

Sep. 30, 2019

Regulatory Matters

Schedule of Bank’s actual capital amounts and ratios

	September 30, 2019
								Minimum to be
					Requirements			Well Capitalized
					for Capital			Under Prompt
	Actual				Adequacy Purposes			Corrective Action
(dollars in thousands)	Amount		Ratio		Amount	Ratio		Amount	Ratio
Common equity tier 1 capital to risk weighted assets
Consolidated	$	233,030	12.38	%	84,705	4.50	%	N/A	N/A
Bank		222,600	11.84	%	84,594	4.50	%	122,192	6.50	%
Tier 1 capital to risk weighted assets								.
Consolidated		241,197	12.81	%	112,940	6.00	%	N/A	N/A
Bank		222,600	11.84	%	112,792	6.00	%	150,390	8.00	%
Total capital to risk weighted assets
Consolidated		313,700	16.67	%	150,587	8.00	%	N/A	N/A
Bank		245,585	13.06	%	150,390	8.00	%	187,987	10.00	%
Tier 1 capital to average assets
Consolidated		241,197	11.33	%	85,152	4.00	%	N/A	N/A
Bank		222,600	10.47	%	85,009	4.00	%	106,261	5.00	%

	December 31, 2018
								Minimum to be
					Requirements			Well Capitalized
					for Capital			Under Prompt
	Actual				Adequacy Purposes			Corrective Action
(dollars in thousands)	Amount		Ratio		Amount	Ratio		Amount	Ratio
Common equity tier 1 capital to risk weighted assets
Consolidated	$	151,745	8.43	%	N/A	N/A		N/A	N/A
Bank		204,680	11.39	%	80,866	4.50	%	116,806	6.50	%
Tier 1 capital to risk weighted assets
Consolidated		159,774	8.87	%	N/A	N/A		N/A	N/A
Bank		204,680	11.39	%	107,821	6.00	%	143,761	8.00	%
Total capital to risk weighted assets
Consolidated		231,510	12.86	%	N/A	N/A		N/A	N/A
Bank		226,854	12.62	%	143,806	8.00	%	179,758	10.00	%
Tier 1 capital to average assets
Consolidated		159,774	7.51	%	N/A	N/A		N/A	N/A
Bank		204,680	9.63	%	85,018	4.00	%	106,272	5.00	%