Text Message Fraud Alert

For the purpose of maintaining compliance with Regulation F, we are providing our correspondent customers with our Third Quarter 2019 Capital and Leverage Ratios.

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%

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

Second Quarter 2019
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%
First Quarter 2019
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%
Fourth Quarter 2018
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%
Third Quarter 2018
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%
Second Quarter 2018
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%
First Quarter 2018
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%
Fourth Quarter 2017
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%
Third Quarter 2017
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%
Second Quarter 2017
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%
First Quarter 2017
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
Fourth Quarter 2016
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%
Third Quarter 2016
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%
Second Quarter 2016
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%
First Quarter 2016
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%
Fourth Quarter 2015
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%
Third Quarter 2015
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%
Second Quarter 2015
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%
First Quarter 2015
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%
Fourth Quarter 2014
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%
Third Quarter 2014
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%
Second Quarter 2014
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%
First Quarter 2014
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%
Fourth Quarter 2013
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%
Third Quarter 2013
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%
Second Quarter 2013
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%
First Quarter 2013
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%
Fourth Quarter 2012
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%
Third Quarter 2012
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%
Second Quarter 2012
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%
First Quarter 2012
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%
Fourth Quarter 2011
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%
Third Quarter 2011
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%
Second Quarter 2011
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%
First Quarter 2011
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%