Schedule of Company's and Bank's Actual Capital Amounts and Ratios |
The Company calculates its regulatory capital under the Basel III regulatory capital framework. The table below summarizes the Company’s regulatory capital and related ratios for the periods presented:
December 31, 2018 |
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Minimum |
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To Be Well Capitalized |
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Minimum Capital |
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Under Prompt Corrective |
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Actual |
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Requirement |
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Action Provisions |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
Total Capital |
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(To Risk Weighted Assets) |
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Consolidated |
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$ |
76,090 |
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14.52 |
% |
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$ |
41,935 |
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8.00 |
% |
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N/A |
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N/A |
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Bank |
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$ |
75,491 |
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14.41 |
% |
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$ |
41,914 |
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8.00 |
% |
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$ |
52,393 |
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10.00 |
% |
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Common Equity Tier 1 Capital |
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(To Risk Weighted Assets) |
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Consolidated |
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$ |
71,169 |
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13.58 |
% |
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$ |
23,589 |
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4.50 |
% |
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N/A |
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N/A |
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Bank |
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$ |
70,570 |
|
13.47 |
% |
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$ |
23,577 |
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4.50 |
% |
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$ |
34,055 |
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6.50 |
% |
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Tier 1 Capital |
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(To Risk Weighted Assets) |
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Consolidated |
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$ |
71,169 |
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13.58 |
% |
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$ |
31,451 |
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6.00 |
% |
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N/A |
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N/A |
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Bank |
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$ |
70,570 |
|
13.47 |
% |
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$ |
31,436 |
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6.00 |
% |
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$ |
41,914 |
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8.00 |
% |
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Tier 1 Capital |
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(To Average Assets) |
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Consolidated |
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$ |
71,169 |
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11.14 |
% |
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$ |
25,550 |
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4.00 |
% |
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N/A |
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N/A |
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Bank |
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$ |
70,570 |
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11.05 |
% |
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$ |
25,544 |
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4.00 |
% |
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$ |
31,930 |
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5.00 |
% |
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December 31, 2017 |
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Minimum |
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To Be Well Capitalized |
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Minimum Capital |
|
Under Prompt Corrective |
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|
Actual |
|
Requirement |
|
Action Provisions |
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|
Amount |
|
Ratio |
|
Amount |
|
Ratio |
|
Amount |
|
Ratio |
|
Total Capital |
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(To Risk Weighted Assets) |
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Consolidated |
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$ |
69,196 |
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12.99 |
% |
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$ |
42,622 |
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8.00 |
% |
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N/A |
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N/A |
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Bank |
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$ |
68,058 |
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12.78 |
% |
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$ |
42,591 |
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8.00 |
% |
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$ |
53,238 |
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10.00 |
% |
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Common Equity Tier 1 Capital |
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(To Risk Weighted Assets) |
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Consolidated |
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$ |
65,153 |
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12.23 |
% |
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$ |
23,975 |
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4.50 |
% |
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N/A |
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N/A |
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Bank |
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$ |
64,015 |
|
12.02 |
% |
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$ |
23,957 |
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4.50 |
% |
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$ |
34,605 |
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6.50 |
% |
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Tier 1 Capital |
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(To Risk Weighted Assets) |
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Consolidated |
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$ |
65,153 |
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12.23 |
% |
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$ |
31,967 |
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6.00 |
% |
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N/A |
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N/A |
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Bank |
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$ |
64,015 |
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12.02 |
% |
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$ |
31,943 |
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6.00 |
% |
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$ |
42,591 |
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8.00 |
% |
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Tier 1 Capital |
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(To Average Assets) |
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Consolidated |
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$ |
65,153 |
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10.58 |
% |
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$ |
24,638 |
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4.00 |
% |
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N/A |
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N/A |
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Bank |
|
$ |
64,015 |
|
10.40 |
% |
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$ |
24,624 |
|
4.00 |
% |
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$ |
30,780 |
|
5.00 |
% |
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