NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
NOTE 14. STOCKHOLDERS’ EQUITY, continued The Company and the Bank’s actual capital amounts and ratios are presented in the following table (dollars in thousands): Actual Capital Minimum Requirements
Amount
Well Capitalized
Adequately Capitalized
2025:
Ratio
TiCeron1sCoalipdiatatel d(to Risk-Weighted Assets) Subsidiary bank ToCtoalnCsoalpiditaatle(dto Risk-Weighted Assets) Subsidiary bank TiCeron1sCoalipdiatatel d(to Average Assets) Subsidiary bank CoCmomnsoonliEdqauteitdy (to RWA) Subsidiary bank
8.00% 8.00% 10.00% 10.00% 5.00% 5.00% 6.50% 6.50%
6.00% 6.00% 8.00% 8.00% 4.00% 4.00% 4.50% 4.50%
12.82% $410,735 12.71% $407,292 14.07% $450,812 13.97% $447,369 9.94% $410,735 9.85% $407,292 12.53% $401,235 12.71% $407,292
Actual Capital
Minimum Requirements
Amount
Well Capitalized
Adequately Capitalized
2024:
Ratio
TiCeron1sCoalipdiatatel d(to Risk-Weighted Assets) Subsidiary bank ToCtoalnCsoalpiditaatle(dto Risk-Weighted Assets) Subsidiary bank TiCeron1sCoalipdiatatel d(to Average Assets) Subsidiary bank CoCmomnsoonliEdqauteitdy (to RWA) Subsidiary bank
8.00% 8.00% 10.00% 10.00% 5.00% 5.00% 6.50% 6.50%
6.00% 6.00% 8.00% 8.00% 4.00% 4.00% 4.50% 4.50%
12.37% $368,397 12.32% $366,918 13.63% $405,665 13.58% $404,186 9.80% $368,397 9.76% $366,918 12.05% $358,897 12.32% $366,918
2025 Annual Report | 49
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