For the purpose of maintaining compliance with Regulation F, we are providing our correspondent customers with our Third Quarter 2017 Capital and Leverage Ratios.

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%

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 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%