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Regulatory Capital Matters (Tables)
 6 Months Ended
Jun. 30, 2021
Regulatory Capital Requirements [Abstract]  
Summary of Actual and Required Capital Amounts and Ratios, Exclusive of Capital Conservation Buffer

The following table presents the regulatory capital amounts and ratios for the Company and the Bank as of dates indicated:

 

 

 

 

 

 

 

 

 

 

 

Required for

 

 

Minimum

 

 

 

 

 

 

 

 

 

 

 

Capital Adequacy

 

 

To be Considered

 

 

 

Actual

 

 

Purposes

 

 

"Well Capitalized"

 

($ in thousands)

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

As of June 30, 2021:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

166,116

 

 

 

13.87

%

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Bank

 

 

163,293

 

 

 

13.63

%

 

 

95,833

 

 

 

8.00

%

 

 

119,791

 

 

 

10.00

%

Tier 1 capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

151,133

 

 

 

12.62

%

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Bank

 

 

148,312

 

 

 

12.38

%

 

 

71,875

 

 

 

6.00

%

 

 

95,833

 

 

 

8.00

%

Common equity Tier 1 capital (to risk-weighted

   assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

151,133

 

 

 

12.62

%

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Bank

 

 

148,312

 

 

 

12.38

%

 

 

53,906

 

 

 

4.50

%

 

 

77,864

 

 

 

6.50

%

Tier 1 leverage (to average assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

151,133

 

 

 

9.96

%

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Bank

 

 

148,312

 

 

 

9.77

%

 

 

60,705

 

 

 

4.00

%

 

 

75,882

 

 

 

5.00

%

 

Note: The capital requirements are only applicable to the Bank, and the Company's ratios are included for comparison purpose.

 

 

 

 

 

 

 

 

 

 

 

Required for

 

 

Minimum

 

 

 

 

 

 

 

 

 

 

 

Capital Adequacy

 

 

To be Considered

 

 

 

Actual

 

 

Purposes

 

 

"Well Capitalized"

 

($ in thousands)

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

As of December 31, 2020:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

155,287

 

 

 

14.81

%

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Bank

 

 

152,232

 

 

 

14.52

%

 

 

83,859

 

 

 

8.00

%

 

 

104,824

 

 

 

10.00

%

Tier 1 capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

142,147

 

 

 

13.56

%

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Bank

 

 

139,092

 

 

 

13.27

%

 

 

62,894

 

 

 

6.00

%

 

 

83,859

 

 

 

8.00

%

Common equity Tier 1 capital (to risk-weighted

   assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

142,147

 

 

 

13.56

%

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Bank

 

 

139,092

 

 

 

13.27

%

 

 

47,171

 

 

 

4.50

%

 

 

68,136

 

 

 

6.50

%

Tier 1 leverage (to average assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

142,147

 

 

 

10.55

%

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Bank

 

 

139,092

 

 

 

10.32

%

 

 

53,915

 

 

 

4.00

%

 

 

67,393

 

 

 

5.00

%

 

Note: The capital requirements are only applicable to the Bank, and the Company's ratios are included for comparison purpose.