Schedule of Comparison of the Company's and Bank's Actual Capital Amounts and Ratios to Required Capital Amounts and Ratios |
A comparison of the Company’s and Bank’s actual capital amounts and ratios to required capital amounts and ratios as of March 31, 2025 and December 31, 2024 is presented in the following table: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | | | For Capital Adequacy Purposes | | | | To Be Well Capitalized Under PCA Provisions | | | Amount | | Ratio | | | | Amount | | | | Ratio | | | | Amount | | | | Ratio | As of March 31, 2025 | | | | | | | | | | | | | | | | | | | | | Total capital (to RWA) | | | | | | | | | | | | | | | | | | | | | Company | | $ | 1,523,437 | | | 13.46 | % | | | | $ | 905,458 | | | | | 8.0 | % | | | | $ | 1,131,822 | | | | | 10.0 | % | Bank | | 1,450,709 | | | 12.87 | | | | | 901,867 | | | | | 8.0 | | | | | 1,127,334 | | | | | 10.0 | | Tier 1 capital (to RWA) | | | | | | | | | | | | | | | | | | | | | Company | | 1,279,536 | | | 11.31 | | | | | 679,093 | | | | | 6.0 | | | | | 679,093 | | | | | 6.0 | | Bank | | 1,331,533 | | | 11.81 | | | | | 676,400 | | | | | 6.0 | | | | | 901,867 | | | | | 8.0 | | CET1 (to RWA) | | | | | | | | | | | | | | | | | | | | | Company | | 1,249,370 | | | 11.04 | | | | | 509,320 | | | | | 4.5 | | | | | n/a | | | | n/a | Bank | | 1,331,533 | | | 11.81 | | | | | 507,300 | | | | | 4.5 | | | | | 732,767 | | | | | 6.5 | | Tier 1 capital (to average assets) | | | | | | | | | | | | | | | | | | | | | Company | | 1,279,536 | | | 10.55 | | | | | 485,359 | | | | | 4.0 | | | | | n/a | | | | n/a | Bank | | 1,331,533 | | | 11.02 | | | | | 483,468 | | | | | 4.0 | | | | | 604,336 | | | | | 5.0 | | As of December 31, 2024 | | | | | | | | | | | | | | | | | | | | | Total capital (to RWA) | | | | | | | | | | | | | | | | | | | | | Company | | $ | 1,571,001 | | | 13.96 | % | | | | $ | 900,287 | | | | | 8.0 | % | | | | $ | 1,125,135 | | | | | 10.0 | % | Bank | | 1,510,901 | | | 13.49 | | | | | 896,012 | | | | | 8.0 | | | | | 1,120,016 | | | | | 10.0 | | Tier 1 capital (to RWA) | | | | | | | | | | | | | | | | | | | | | Company | | 1,277,955 | | | 11.36 | | | | | 674,976 | | | | | 6.0 | | | | | 675,081 | | | | | 6.0 | | Bank | | 1,402,462 | | | 12.52 | | | | | 672,106 | | | | | 6.0 | | | | | 896,142 | | | | | 8.0 | | CET1 (to RWA) | | | | | | | | | | | | | | | | | | | | | Company | | 1,247,844 | | | 11.09 | | | | | 506,339 | | | | | 4.5 | | | | | n/a | | | | n/a | Bank | | 1,402,462 | | | 12.52 | | | | | 504,080 | | | | | 4.5 | | | | | 728,115 | | | | | 6.5 | | Tier 1 capital (to average assets) | | | | | | | | | | | | | | | | | | | | | Company | | 1,277,955 | | | 10.32 | | | | | 495,331 | | | | | 4.0 | | | | | n/a | | | | n/a | Bank | | 1,402,462 | | | 11.37 | | | | | 493,390 | | | | | 4.0 | | | | | 616,738 | | | | | 5.0 | |
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