| Bank's Tier 1 (leverage) and risk-based capital ratios |
The Bank’s Tier 1 (leverage) and risk-based capital ratios at December 31, 2019 and 2018, respectively, are presented below: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | For Capital Adequacy
Purposes | | To Be Well Capitalized
Under Prompt Corrective
Action Provisions | | | Amount | | Ratio | | Amount | | | | Ratio | | Amount | | | | Ratio | As of December 31, 2019 | | | | | | | | | | | | | | | | | Total capital (to risk weighted assets) | | $ | 160,302,000 |
| | 13.1 | % | | $ | 98,174,000 |
| | > = | | 8.0 | % | | $ | 122,718,000 |
| | > = | | 10.0 | % | Tier 1 capital (to risk weighted assets) | | 149,982,000 |
| | 12.2 | % | | 73,631,000 |
| | > = | | 6.0 | % | | 98,174,000 |
| | > = | | 8.0 | % | Common equity tier 1 capital (to risk weighted assets) | | 149,982,000 |
| | 12.2 | % | | 55,223,000 |
| | > = | | 4.5 | % | | 79,767,000 |
| | > = | | 6.5 | % | Tier 1 leverage ratio (to adjusted total assets) | | 149,982,000 |
| | 10.4 | % | | 57,834,000 |
| | > = | | 4.0 | % | | 72,293,000 |
| | > = | | 5.0 | % | As of December 31, 2018 | | | | | | | | | | | | | | | | | Total capital (to risk weighted assets) | | $ | 126,440,000 |
| | 12.7 | % | | $ | 79,651,000 |
| | > = | | 8.0 | % | | $ | 99,563,000 |
| | > = | | 10.0 | % | Tier 1 capital (to risk weighted assets) | | 118,836,000 |
| | 11.9 | % | | 59,738,000 |
| | > = | | 6.0 | % | | 79,651,000 |
| | > = | | 8.0 | % | Common equity tier 1 capital (to risk weighted assets) | | 118,836,000 |
| | 11.9 | % | | 44,804,000 |
| | > = | | 4.5 | % | | 64,716,000 |
| | > = | | 6.5 | % | Tier 1 leverage ratio (to adjusted total assets) | | 118,836,000 |
| | 9.7 | % | | 48,976,000 |
| | > = | | 4.0 | % | | 61,220,000 |
| | > = | | 5.0 | % |
The Company’s Tier 1 (leverage) and risk-based capital ratios at December 31, 2019 and 2018, respectively, are presented below: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | For Capital Adequacy
Purposes | | To Be Well Capitalized
Under Prompt Corrective
Action Provisions | | | Amount | | Ratio | | Amount | | | | Ratio | | Amount | | | | Ratio | As of December 31, 2019 | | | | | | | | | | | | | | | | | Total capital (to risk weighted assets) | | $ | 137,259,000 |
| | 11.2 | % | | $ | 98,174,000 |
| | > = | | 8.0 | % | | $ | 122,718,000 |
| | > = | | 10.0 | % | Tier 1 capital (to risk weighted assets) | | 111,939,000 |
| | 9.1 | % | | 73,631,000 |
| | > = | | 6.0 | % | | 98,174,000 |
| | > = | | 8.0 | % | Common equity tier 1 capital (to risk weighted assets) | | 111,939,000 |
| | 9.1 | % | | 55,223,000 |
| | > = | | 4.5 | % | | 79,767,000 |
| | > = | | 6.5 | % | Tier 1 leverage ratio (to adjusted total assets) | | 111,939,000 |
| | 7.7 | % | | 57,834,000 |
| | > = | | 4.0 | % | | 72,293,000 |
| | > = | | 5.0 | % | As of December 31, 2018 | | | | | | | | | | | | | | | | | Total capital (to risk weighted assets) | | $ | 123,657,000 |
| | 12.4 | % | | $ | 79,651,000 |
| | > = | | 8.0 | % | | $ | 99,563,000 |
| | > = | | 10.0 | % | Tier 1 capital (to risk weighted assets) | | 101,053,000 |
| | 10.2 | % | | 59,738,000 |
| | > = | | 6.0 | % | | 79,651,000 |
| | > = | | 8.0 | % | Common equity tier 1 capital (to risk weighted assets) | | 101,053,000 |
| | 10.2 | % | | 44,804,000 |
| | > = | | 4.5 | % | | 64,716,000 |
| | > = | | 6.5 | % | Tier 1 leverage ratio (to adjusted total assets) | | 101,053,000 |
| | 8.3 | % | | 48,976,000 |
| | > = | | 4.0 | % | | 61,220,000 |
| | > = | | 5.0 | % |
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