We're here for you. Click to learn more about your options for banking services at this time.

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%