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NEW: You can now make loan payments online using Central Bank’s Online Payment System. Visit the Loan Payments button to pay online today.

For the purpose of maintaining compliance with Regulation F, we are providing our correspondent customers with our Fourth Quarter 2021 Capital and Leverage Ratios.

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

9.47%

Common Equity Tier 1

6.50%

16.15%

Tier One Capital to Risk Weighted Assets

8.00%

16.15%

Total Capital to Risk Weighted Assets

10.00%

17.24%

As you can see, Central Bank continues to maintain the ratios to be considered a well-capitalized bank. Should you have any questions, please feel free to contact me at 1-800-432-0721.

Sincerely,

Doug Flynn
Correspondent Banking Officer

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

9.84%

Common Equity Tier 1

6.50%

15.91%

Tier One Capital to Risk Weighted Assets

8.00%

15.91%

Total Capital to Risk Weighted Assets

10.00%

17.02%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

9.81%

Common Equity Tier 1

6.50%

15.03%

Tier One Capital to Risk Weighted Assets

8.00%

15.03%

Total Capital to Risk Weighted Assets

10.00%

16.13%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.08%

Common Equity Tier 1

6.50%

15.36%

Tier One Capital to Risk Weighted Assets

8.00%

15.36%

Total Capital to Risk Weighted Assets

10.00%

16.52%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.24%

Common Equity Tier 1

6.50%

15.02%

Tier One Capital to Risk Weighted Assets

8.00%

15.02%

Total Capital to Risk Weighted Assets

10.00%

16.18%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.56%

Common Equity Tier 1

6.50%

15.57%

Tier One Capital to Risk Weighted Assets

8.00%

15.57%

Total Capital to Risk Weighted Assets

10.00%

16.69%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.45%

Common Equity Tier 1

6.50%

15.19%

Tier One Capital to Risk Weighted Assets

8.00%

15.19%

Total Capital to Risk Weighted Assets

10.00%

16.20%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

11.72%

Common Equity Tier 1

6.50%

14.34%

Tier One Capital to Risk Weighted Assets

8.00%

14.34%

Total Capital to Risk Weighted Assets

10.00%

15.22%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

11.57%

Common Equity Tier 1

6.50%

14.37%

Tier One Capital to Risk Weighted Assets

8.00%

14.37%

Total Capital to Risk Weighted Assets

10.00%

15.24%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

11.43%

Common Equity Tier 1

6.50%

13.74%

Tier One Capital to Risk Weighted Assets

8.00%

13.74%

Total Capital to Risk Weighted Assets

10.00%

14.62%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

11.50%

Common Equity Tier 1

6.50%

13.04%

Tier One Capital to Risk Weighted Assets

8.00%

13.04%

Total Capital to Risk Weighted Assets

10.00%

13.96%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

11.54%

Common Equity Tier 1

6.50%

12.95%

Tier One Capital to Risk Weighted Assets

8.00%

12.95%

Total Capital to Risk Weighted Assets

10.00%

13.85%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

11.07%

Common Equity Tier 1

6.50%

12.62%

Tier One Capital to Risk Weighted Assets

8.00%

12.62%

Total Capital to Risk Weighted Assets

10.00%

13.52%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.95%

Common Equity Tier 1

6.50%

12.46%

Tier One Capital to Risk Weighted Assets

8.00%

12.46%

Total Capital to Risk Weighted Assets

10.00%

13.40%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.88%

Common Equity Tier 1

6.50%

12.20%

Tier One Capital to Risk Weighted Assets

8.00%

12.20%

Total Capital to Risk Weighted Assets

10.00%

13.16%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.88%

Common Equity Tier 1

6.50%

12.13%

Tier One Capital to Risk Weighted Assets

8.00%

12.13%

Total Capital to Risk Weighted Assets

10.00%

13.10%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.83%

Common Equity Tier 1

6.50%

11.95%

Tier One Capital to Risk Weighted Assets

8.00%

11.95%

Total Capital to Risk Weighted Assets

10.00%

12.90%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.82%

Common Equity Tier 1

6.50%

12.27%

Tier One Capital to Risk Weighted Assets

8.00%

12.27%

Total Capital to Risk Weighted Assets

10.00%

13.32%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.78%

Common Equity Tier 1

6.50%

12.34%

Tier One Capital to Risk Weighted Assets

8.00%

12.34%

Total Capital to Risk Weighted Assets

10.00%

13.43%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.59%

Common Equity Tier 1

6.50%

12.16%

Tier One Capital to Risk Weighted Assets

8.00%

12.16%

Total Capital to Risk Weighted Assets

10.00%

13.24

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.44%

Common Equity Tier 1

6.50%

12.08%

Tier One Capital to Risk Weighted Assets

8.00%

12.08%

Total Capital to Risk Weighted Assets

10.00%

13.14%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.35%

Common Equity Tier 1

6.50%

12.65%

Tier One Capital to Risk Weighted Assets

8.00%

12.65%

Total Capital to Risk Weighted Assets

10.00%

13.81%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.40%

Common Equity Tier 1

6.50%

12.76%

Tier One Capital to Risk Weighted Assets

8.00%

12.76%

Total Capital to Risk Weighted Assets

10.00%

13.96%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.48%

Common Equity Tier 1

6.50%

12.53%

Tier One Capital to Risk Weighted Assets

8.00%

12.53%

Total Capital to Risk Weighted Assets

10.00%

13.73%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.41%

Common Equity Tier 1

6.50%

12.23%

Tier One Capital to Risk Weighted Assets

8.00%

12.23%

Total Capital to Risk Weighted Assets

10.00%

13.44%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.41%

Common Equity Tier 1

6.50%

12.64%

Tier One Capital to Risk Weighted Assets

8.00%

12.64%

Total Capital to Risk Weighted Assets

10.00%

13.89%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.19%

Common Equity Tier 1

6.50%

12.46%

Tier One Capital to Risk Weighted Assets

8.00%

12.46%

Total Capital to Risk Weighted Assets

10.00%

13.72%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.17%

Common Equity Tier 1

6.50%

12.23%

Tier One Capital to Risk Weighted Assets

8.00%

12.23%

Total Capital to Risk Weighted Assets

10.00%

13.48%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

9.87%

Tier One Capital to Risk Weighted Asset

6.00%

11.87%

Total Capital to Risk Weighted Assets

10.00%

13.12%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

9.80%

Tier One Capital to Risk Weighted Asset

6.00%

11.71%

Total Capital to Risk Weighted Assets

10.00%

12.96%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

9.69%

Tier One Capital to Risk Weighted Asset

6.00%

11.54%

Total Capital to Risk Weighted Assets

10.00%

12.79%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

9.35%

Tier One Capital to Risk Weighted Asset

6.00%

11.38%

Total Capital to Risk Weighted Assets

10.00%

12.63%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

9.31%

Tier One Capital to Risk Weighted Asset

6.00%

11.19%

Total Capital to Risk Weighted Assets

10.00%

12.44%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

9.00%

Tier One Capital to Risk Weighted Asset

6.00%

11.35%

Total Capital to Risk Weighted Assets

10.00%

12.60%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

9.04%

Tier One Capital to Risk Weighted Asset

6.00%

11.29%

Total Capital to Risk Weighted Assets

10.00%

12.54%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

8.99%

Tier One Capital to Risk Weighted Asset

6.00%

11.26%

Total Capital to Risk Weighted Assets

10.00%

12.52%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

8.71%

Tier One Capital to Risk Weighted Asset

6.00%

10.82%

Total Capital to Risk Weighted Assets

10.00%

12.08%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

8.60%

Tier One Capital to Risk Weighted Asset

6.00%

10.84%

Total Capital to Risk Weighted Assets

10.00%

12.10%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

8.71%

Tier One Capital to Risk Weighted Asset

6.00%

10.66%

Total Capital to Risk Weighted Assets

10.00%

11.92%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

8.51%

Tier One Capital to Risk Weighted Asset

6.00%

10.50%

Total Capital to Risk Weighted Assets

10.00%

11.75%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

8.39%

Tier One Capital to Risk Weighted Asset

6.00%

10.32%

Total Capital to Risk Weighted Assets

10.00%

11.58%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

8.44%

Tier One Capital to Risk Weighted Asset

6.00%

10.35%

Total Capital to Risk Weighted Assets

10.00%

11.60%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

8.50%

Tier One Capital to Risk Weighted Asset

6.00%

10.16%

Total Capital to Risk Weighted Assets

10.00%

11.14%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

8.37%

Tier One Capital to Risk Weighted Asset

6.00%

9.89%

Total Capital to Risk Weighted Assets

10.00%

11.15%