Schedule of Actual Capital Amounts and Ratios |
The Company’s and the Bank’s actual capital amounts and ratios as of December 31, 2020 and 2019 are presented in the following table | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | | | Minimum Capital Required - Basel III | | Required to be Considered Well Capitalized | | Amount | | Ratio | | | | | | Amount | | Ratio | | Amount | | Ratio | | (Dollars in thousands) | December 31, 2020 | | | | | | | | | | | | | | | | Total Capital to Risk-Weighted Assets | | | | | | | | | | | | | Consolidated | $ | 656,806 | | | 13.1 | % | | | | | | $ | 527,486 | | | 10.5 | % | | N/A | | N/A | Bank | 611,533 | | | 12.2 | | | | | | | 527,217 | | | 10.5 | | | $ | 502,111 | | | 10.0 | % | Tier I Capital to Risk-Weighted Assets | | | | | | | | | | | | | Consolidated | 593,865 | | | 11.8 | | | | | | | 427,012 | | | 8.5 | | | N/A | | N/A | Bank | 548,615 | | | 10.9 | | | | | | | 426,794 | | | 8.5 | | | 401,689 | | | 8.0 | | Common Equity Tier 1 to Risk-Weighted Assets | | | | | | | | | | | | | Consolidated | 592,902 | | | 11.8 | | | | | | | 351,657 | | | 7.0 | | | N/A | | N/A | Bank | 548,615 | | | 10.9 | | | | | | | 351,478 | | | 7.0 | | | 326,372 | | | 6.5 | | Tier I Capital to Average Assets | | | | | | | | | | | | | | | Consolidated | 593,865 | | | 10.8 | | | | | | | 219,550 | | | 4.0 | | | N/A | | N/A | Bank | $ | 548,615 | | | 10.0 | % | | | | | | $ | 219,441 | | | 4.0 | % | | $ | 274,302 | | | 5.0 | % | December 31, 2019 | | | | | | | | | | | | | | | | Total Capital to Risk-Weighted Assets | | | | | | | | | | | | | Consolidated | $ | 633,228 | | | 13.4 | % | | | | | | $ | 495,095 | | | 10.5 | % | | N/A | | N/A | Bank | 581,600 | | | 12.3 | | | | | | | 494,954 | | | 10.5 | | | $ | 471,385 | | | 10.0 | % | Tier I Capital to Risk-Weighted Assets | | | | | | | | | | | | | Consolidated | 576,332 | | | 12.2 | | | | | | | 400,791 | | | 8.5 | | | N/A | | N/A | Bank | 524,704 | | | 11.1 | | | | | | | 400,677 | | | 8.5 | | | 377,108 | | | 8.0 | | Common Equity Tier 1 to Risk-Weighted Assets | | | | | | | | | | | | | Consolidated | 575,411 | | | 12.2 | | | | | | | 330,063 | | | 7.0 | | | N/A | | N/A | Bank | 524,704 | | | 11.1 | | | | | | | 329,970 | | | 7.0 | | | 306,400 | | | 6.5 | | Tier I Capital to Average Assets | | | | | | | | | | | | | | | Consolidated | 576,332 | | | 12.1 | | | | | | | 191,093 | | | 4.0 | | | N/A | | N/A | Bank | $ | 524,704 | | | 11.0 | % | | | | | | $ | 191,170 | | | 4.0 | % | | $ | 238,963 | | | 5.0 | % |
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