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 June 30, 2025 and December 31, 2024 is presented in the following table: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | | | | | | | For Capital Adequacy Purposes | | | | | | | | To Be Well Capitalized Under PCA Provisions | (Dollars in thousands) | | Amount | | Ratio | | | | | | | | Ratio (1) | | | | | | | | Ratio | As of June 30, 2025 | | | | | | | | | | | | | | | | | | | | | Total capital (to RWA) | | | | | | | | | | | | | | | | | | | | | Company | | $ | 1,539,632 | | | 13.46 | % | | | | | | | | 8.0% | | | | | | | | 10.0% | Bank | | 1,462,950 | | | 12.84 | | | | | | | | | 8.0 | | | | | | | | 10.0 | Tier 1 capital (to RWA) | | | | | | | | | | | | | | | | | | | | | Company | | 1,294,270 | | | 11.31 | | | | | | | | | 6.0 | | | | | | | | 6.0 | Bank | | 1,342,431 | | | 11.78 | | | | | | | | | 6.0 | | | | | | | | 8.0 | CET1 (to RWA) | | | | | | | | | | | | | | | | | | | | | Company | | 1,264,049 | | | 11.05 | | | | | | | | | 4.5 | | | | | | | | n/a | Bank | | 1,342,431 | | | 11.78 | | | | | | | | | 4.5 | | | | | | | | 6.5 | Tier 1 leverage ratio (2) | | | | | | | | | | | | | | | | | | | | | Company | | 1,294,270 | | | 10.73 | | | | | | | | | 4.0 | | | | | | | | n/a | Bank | | 1,342,431 | | | 11.17 | | | | | | | | | 4.0 | | | | | | | | 5.0 | As of December 31, 2024 | | | | | | | | | | | | | | | | | | | | | Total capital (to RWA) | | | | | | | | | | | | | | | | | | | | | Company | | $ | 1,571,001 | | | 13.96 | % | | | | | | | | 8.0% | | | | | | | | 10.0% | Bank | | 1,510,901 | | | 13.49 | | | | | | | | | 8.0 | | | | | | | | 10.0 | Tier 1 capital (to RWA) | | | | | | | | | | | | | | | | | | | | | Company | | 1,277,955 | | | 11.36 | | | | | | | | | 6.0 | | | | | | | | 6.0 | Bank | | 1,402,462 | | | 12.52 | | | | | | | | | 6.0 | | | | | | | | 8.0 | CET1 (to RWA) | | | | | | | | | | | | | | | | | | | | | Company | | 1,247,844 | | | 11.09 | | | | | | | | | 4.5 | | | | | | | | n/a | Bank | | 1,402,462 | | | 12.52 | | | | | | | | | 4.5 | | | | | | | | 6.5 | Tier 1 leverage ratio (2) | | | | | | | | | | | | | | | | | | | | | Company | | 1,277,955 | | | 10.32 | | | | | | | | | 4.0 | | | | | | | | n/a | Bank | | 1,402,462 | | | 11.37 | | | | | | | | | 4.0 | | | | | | | | 5.0 | (1) Requirement prior to capital conservation buffer | | | | | | | | | | | | | | | | | | | | | (2) The Tier 1 leverage ratio consists of Tier 1 capital divided by total quarterly average assets, excluding goodwill and other permitted Tier 1 capital deductions. |
|