Schedule Of Capital Requirements |
The following table presents the Bank’s actual capital amounts and ratios at December 31, 2021 and 2020:
|
|
Actual |
|
|
Minimum Capital
Requirement |
|
|
Minimum To Be
Well Capitalized
Under Prompt
Corrective Action
Provisions |
|
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
|
(dollars in thousands) |
|
December 31, 2021 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Common Equity Tier 1 Capital to Risk Weighted Assets |
|
$ |
107,570 |
|
|
|
10.44 |
% |
|
$ |
46,362 |
|
|
|
4.50 |
% |
|
$ |
66,967 |
|
|
|
6.50 |
% |
Total Capital to Risk Weighted Assets |
|
|
116,420 |
|
|
|
11.30 |
% |
|
|
82,421 |
|
|
|
8.00 |
% |
|
|
103,026 |
|
|
|
10.00 |
% |
Tier 1 Capital to Risk Weighted Assets |
|
|
107,570 |
|
|
|
10.44 |
% |
|
|
61,816 |
|
|
|
6.00 |
% |
|
|
82,421 |
|
|
|
8.00 |
% |
Tier 1 Capital to Average Assets |
|
|
107,570 |
|
|
|
8.84 |
% |
|
|
48,654 |
|
|
|
4.00 |
% |
|
|
60,817 |
|
|
|
5.00 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2020 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Common Equity Tier 1 Capital to Risk Weighted Assets |
|
$ |
97,825 |
|
|
|
12.39 |
% |
|
$ |
35,540 |
|
|
|
4.50 |
% |
|
$ |
51,335 |
|
|
|
6.50 |
% |
Total Capital to Risk Weighted Assets |
|
|
104,957 |
|
|
|
13.29 |
% |
|
|
63,182 |
|
|
|
8.00 |
% |
|
|
78,977 |
|
|
|
10.00 |
% |
Tier 1 Capital to Risk Weighted Assets |
|
|
97,825 |
|
|
|
12.39 |
% |
|
|
47,386 |
|
|
|
6.00 |
% |
|
|
63,182 |
|
|
|
8.00 |
% |
Tier 1 Capital to Average Assets |
|
|
97,825 |
|
|
|
9.06 |
% |
|
|
43,213 |
|
|
|
4.00 |
% |
|
|
54,016 |
|
|
|
5.00 |
% |
|