| Schedule of Actual and required capital amounts and ratios |
Actual and required capital amounts and ratios are presented below at period-end: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | To Be Well | | | | | | | | | | | | | | Minimum Capital | | Capitalized Under | | | | | | | | | For Capital | | Adequacy with | | Prompt Corrective | | | | Actual | | Adequacy Purposes | | Capital Buffer | | Action Provisions | | | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | | | | | | | | | | | | | | | | | | | | | | | March 31, 2025 | | | | | | | | | | | | | | | | | | | | | | Total capital (to risk-weighted assets): | | | | | | | | | | | | | | | | | | | | | | Company | | $ | 518,723 | | 14.15 | % | $ | 293,221 | | 8.00 | % | $ | 384,853 | | 10.50 | % | | NA | | NA | | Bank | | $ | 445,011 | | 12.14 | % | $ | 293,336 | | 8.00 | % | $ | 385,004 | | 10.50 | % | $ | 366,670 | | 10.00 | % | Tier 1 capital (to risk-weighted assets): | | | | | | | | | | | | | | | | | | | | | | Company | | $ | 464,519 | | 12.67 | % | $ | 219,916 | | 6.00 | % | $ | 311,547 | | 8.50 | % | | NA | | NA | | Bank | | $ | 402,807 | | 10.99 | % | $ | 220,002 | | 6.00 | % | $ | 311,670 | | 8.50 | % | $ | 293,336 | | 8.00 | % | Common Equity Tier 1 capital (to risk-weighted assets): | | | | | | | | | | | | | | | | | | | | | | Company | | $ | 464,519 | | 12.67 | % | $ | 164,937 | | 4.50 | % | $ | 256,568 | | 7.00 | % | | NA | | NA | | Bank | | $ | 402,807 | | 10.99 | % | $ | 165,002 | | 4.50 | % | $ | 256,669 | | 7.00 | % | $ | 238,336 | | 6.50 | % | Tier 1 capital (to average assets): | | | | | | | | | | | | | | | | | | | | | | Company | | $ | 464,519 | | 10.76 | % | $ | 172,646 | | 4.00 | % | $ | 172,646 | | 4.00 | % | | NA | | NA | | Bank | | $ | 402,807 | | 9.34 | % | $ | 172,530 | | 4.00 | % | $ | 172,530 | | 4.00 | % | $ | 215,662 | | 5.00 | % | December 31, 2024 | | | | | | | | | | | | | | | | | | | | | | Total capital (to risk-weighted assets): | | | | | | | | | | | | | | | | | | | | | | Company | | $ | 509,763 | | 14.14 | % | $ | 288,325 | | 8.00 | % | $ | 378,427 | | 10.50 | % | | NA | | NA | | Bank | | $ | 438,549 | | 12.18 | % | $ | 288,152 | | 8.00 | % | $ | 378,200 | | 10.50 | % | $ | 360,190 | | 10.00 | % | Tier 1 capital (to risk-weighted assets): | | | | | | | | | | | | | | | | | | | | | | Company | | $ | 457,749 | | 12.70 | % | $ | 216,244 | | 6.00 | % | $ | 306,346 | | 8.50 | % | | NA | | NA | | Bank | | $ | 398,535 | | 11.06 | % | $ | 216,114 | | 6.00 | % | $ | 306,162 | | 8.50 | % | $ | 288,152 | | 8.00 | % | Common Equity Tier 1 capital (to risk-weighted assets): | | | | | | | | | | | | | | | | | | | | | | Company | | $ | 457,749 | | 12.70 | % | $ | 162,183 | | 4.50 | % | $ | 252,285 | | 7.00 | % | | NA | | NA | | Bank | | $ | 398,535 | | 11.06 | % | $ | 162,086 | | 4.50 | % | $ | 252,133 | | 7.00 | % | $ | 234,124 | | 6.50 | % | Tier 1 capital (to average assets): | | | | | | | | | | | | | | | | | | | | | | Company | | $ | 457,749 | | 10.96 | % | $ | 167,134 | | 4.00 | % | $ | 167,134 | | 4.00 | % | | NA | | NA | | Bank | | $ | 398,535 | | 9.54 | % | $ | 167,019 | | 4.00 | % | $ | 167,019 | | 4.00 | % | $ | 208,774 | | 5.00 | % |
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