Actual

Minimum Required
For Capital
Adequacy Purposes

For Capital Adequacy
Purposes Plus Capital
Conservation Buffer

Minimum "Required" to
Be "Well" Capitalized
Under "Prompt" Corrective
Action Regulations

(dollars in thousands)

Amount

Ratio

Amount

Ratio

Amount

Ratio

Amount

Ratio

As of December 31, 2022

Total Capital (to Risk Weighted Assets)

Consolidated

$

821,008

15.07

%

$

435,786

8.00

%

$

571,969

N/A

Bank

$

801,044

14.74

%

$

434,758

8.00

%

$

570,620

10.50

%

$

543,448

10.00

%

Tier I Capital (to Risk Weighted Assets)

Consolidated

$

752,751

13.82

%

$

326,840

6.00

%

$

463,023

N/A

Bank

$

732,966

13.49

%

$

326,069

6.00

%

$

461,930

8.50

%

$

434,758

8.00

%

Common Equity Tier 1 (CET1)

Consolidated

$

752,751

13.82

%

$

245,130

4.50

%

$

381,313

N/A

Bank

$

732,966

13.49

%

$

244,551

4.50

%

$

380,413

7.00

%

$

353,241

6.50

%

Tier I Capital (to Average Assets)

Consolidated

$

752,751

11.50

%

$

261,859

4.00

%

$

261,859

N/A

Bank

$

732,966

11.22

%

$

261,222

4.00

%

$

261,222

4.00

%

$

326,527

5.00

%

As of December 31, 2021

Total Capital (to Risk Weighted Assets)

Consolidated

$

744,421

15.35

%

$

388,020

8.00

%

$

509,276

N/A

Bank

$

726,091

15.01

%

$

387,118

8.00

%

$

508,093

10.50

%

$

483,898

10.00

%

Tier I Capital (to Risk Weighted Assets)

Consolidated

$

683,754

14.10

%

$

291,015

6.00

%

$

412,271

N/A

Bank

$

665,424

13.75

%

$

290,339

6.00

%

$

411,313

8.50

%

$

387,118

8.00

%

Common Equity Tier 1 (CET1)

Consolidated

$

683,754

14.10

%

$

218,261

4.50

%

$

339,518

N/A

Bank

$

665,424

13.75

%

$

217,754

4.50

%

$

338,729

7.00

%

$

314,534

6.50

%

Tier I Capital (to Average Assets)

Consolidated

$

683,754

10.73

%

$

254,898

4.00

%

$

254,898

N/A

Bank

$

665,424

10.46

%

$

254,425

4.00

%

$

254,425

4.00

%

$

318,030

5.00

%