| Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations |
The table below presents the Bank's regulatory capital ratios at March 31, 2025 and 2024. | | | | | | | | | | | | | | | | | | | | | | | | | | | | | March 31, 2025 | | March 31, 2024 | | ($ in thousands) | | Amount | | Ratio | | Amount | | Ratio | | Tier 1 leverage capital | | | | | | | | | | Regulatory capital | | $ | 64,252 | | | 8.70 | % | | $ | 73,140 | | | 9.56 | % | | Individual minimum capital requirement | | 66,486 | | | 9.00 | % | | 68,888 | | | 9.00 | % | | Minimum capital requirement | | 29,549 | | | 4.00 | % | | 30,617 | | | 4.00 | % | | Excess | | 34,703 | | | 4.70 | % | | 42,523 | | | 5.56 | % | | | | | | | | | | | Common equity Tier 1 | | | | | | | | | | Regulatory capital | | $ | 64,252 | | | 10.50 | % | | $ | 73,140 | | | 12.00 | % | | Minimum capital requirement | | 42,815 | | | 7.00 | % | | 42,649 | | | 7.00 | % | | Excess | | 21,437 | | | 3.50 | % | | 30,491 | | | 5.00 | % | | | | | | | | | | | Tier 1 risk-based capital | | | | | | | | | | Regulatory capital | | $ | 64,252 | | | 10.50 | % | | $ | 73,140 | | | 12.00 | % | | Minimum capital requirement | | 51,990 | | | 8.50 | % | | 51,789 | | | 8.50 | % | | Excess | | 12,262 | | | 2.00 | % | | 21,351 | | | 3.50 | % | | | | | | | | | | | Total risk-based capital | | | | | | | | | | Regulatory capital | | $ | 70,680 | | | 11.56 | % | | $ | 79,106 | | | 12.98 | % | | Individual minimum capital requirement | | 73,397 | | | 12.00 | % | | 73,113 | | | 12.00 | % | | Minimum capital requirement | | 64,223 | | | 10.50 | % | | 63,974 | | | 10.50 | % | | Excess | | 6,457 | | | 1.06 | % | | 15,132 | | | 2.48 | % |
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