| Schedule of Bank's actual regulatory capital amounts and ratios |
| |
|
Actual |
|
|
For Capital Adequacy
Purposes |
|
|
To Be Well Capitalized
Under Prompt Corrective
Action Provisions (2) |
|
| (dollars in thousands) |
|
Amount |
|
|
Ratio (1) |
|
|
Amount |
|
|
Ratio (1) |
|
|
Amount |
|
|
Ratio (1) |
|
| As of December 31, 2016: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Company |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Total risk-based capital |
|
$ |
249,723 |
|
|
|
13.9 |
% |
|
$ |
144,195 |
|
|
|
8.0 |
% |
|
|
|
|
|
|
|
|
| Tier 1 risk-based capital |
|
|
226,018 |
|
|
|
12.5 |
|
|
|
108,146 |
|
|
|
6.0 |
|
|
|
|
|
|
|
|
|
| Common equity Tier 1 capital |
|
|
202,313 |
|
|
|
11.2 |
|
|
|
81,110 |
|
|
|
4.5 |
|
|
|
|
|
|
|
|
|
| Leverage |
|
|
226,018 |
|
|
|
10.3 |
|
|
|
87,566 |
|
|
|
4.0 |
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Bank |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Total risk-based capital |
|
$ |
217,682 |
|
|
|
12.1 |
% |
|
$ |
144,322 |
|
|
|
8.0 |
% |
|
$ |
180,403 |
|
|
|
10.0 |
% |
| Tier 1 risk-based capital |
|
|
205,862 |
|
|
|
11.4 |
|
|
|
108,242 |
|
|
|
6.0 |
|
|
|
144,322 |
|
|
|
8.0 |
|
| Common equity Tier 1 capital |
|
|
205,862 |
|
|
|
11.4 |
|
|
|
81,181 |
|
|
|
4.5 |
|
|
|
117,262 |
|
|
|
6.5 |
|
| Leverage |
|
|
205,862 |
|
|
|
9.4 |
|
|
|
87,329 |
|
|
|
4.0 |
|
|
|
109,161 |
|
|
|
5.0 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| As of December 31, 2015: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Company |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Total risk-based capital |
|
$ |
140,691 |
|
|
|
14.8 |
% |
|
$ |
75,972 |
|
|
|
8.0 |
% |
|
|
|
|
|
|
|
|
| Tier 1 risk-based capital |
|
|
118,535 |
|
|
|
12.5 |
|
|
|
56,979 |
|
|
|
6.0 |
|
|
|
|
|
|
|
|
|
| Common equity Tier 1 capital |
|
|
94,346 |
|
|
|
9.9 |
|
|
|
42,697 |
|
|
|
4.5 |
|
|
|
|
|
|
|
|
|
| Leverage |
|
|
118,535 |
|
|
|
10.0 |
|
|
|
47,627 |
|
|
|
4.0 |
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Bank |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Total risk-based capital |
|
$ |
122,206 |
|
|
|
13.1 |
% |
|
$ |
74,903 |
|
|
|
8.0 |
% |
|
$ |
93,629 |
|
|
|
10.0 |
% |
| Tier 1 risk-based capital |
|
|
111,899 |
|
|
|
12.0 |
|
|
|
56,178 |
|
|
|
6.0 |
|
|
|
74,903 |
|
|
|
8.0 |
|
| Common equity Tier 1 capital |
|
|
111,899 |
|
|
|
12.0 |
|
|
|
42,133 |
|
|
|
4.5 |
|
|
|
60,859 |
|
|
|
6.5 |
|
| Leverage |
|
|
111,899 |
|
|
|
9.5 |
|
|
|
47,036 |
|
|
|
4.0 |
|
|
|
58,794 |
|
|
|
5.0 |
|
|
(1) |
The Total risk-based capital ratio is defined as Tier 1 capital plus tier 2 capital divided by total risk-weighted assets. The Tier 1 risk-based capital ratio is defined as Tier 1 capital divided by total risk-weighted assets. CET1 risk-based capital ratio is defined as Tier 1 capital, with deductions for goodwill and other
intangible assets (other than mortgage servicing assets), net of associated deferred tax liabilities, and limitations on the inclusion of deferred tax assets, mortgage servicing assets and investments in other financial institutions, in each case as provided further in the rules, divided by total risk-weighted assets. The Leverage ratio is defined as Tier 1 capital divided by the most recent quarter’s average total assets as adjusted. |
|
(2) |
Prompt corrective action provisions are not applicable at the bank holding company level. |
|