| Schedule of Bank Capital Amount and Ratio |
The Company and the Bank’s capital amounts and ratios are also presented in the following table at December 31, 2016 and 2015 (dollars in thousands):
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Actual |
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Required for Capital
Adequacy Purposes
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Required in Order to Be
Well Capitalized Under
PCA
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
|
Ratio |
As of December 31, 2016 |
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Common equity Tier 1 capital to risk weighted assets: |
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Consolidated |
$ |
699,728 |
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9.72 |
% |
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$ |
324,035 |
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4.50 |
% |
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NA |
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NA |
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Union Bank & Trust |
901,783 |
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12.58 |
% |
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322,531 |
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4.50 |
% |
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465,878 |
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6.50 |
% |
Tier 1 capital to risk weighted assets: |
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Consolidated |
790,228 |
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10.97 |
% |
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432,047 |
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6.00 |
% |
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NA |
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NA |
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Union Bank & Trust |
901,783 |
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12.58 |
% |
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430,042 |
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6.00 |
% |
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573,389 |
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8.00 |
% |
Total capital to risk weighted assets: |
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Consolidated |
976,145 |
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13.56 |
% |
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576,062 |
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8.00 |
% |
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NA |
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NA |
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Union Bank & Trust |
939,700 |
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13.11 |
% |
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573,390 |
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8.00 |
% |
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716,737 |
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10.00 |
% |
Tier 1 capital to average adjusted assets: |
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Consolidated |
790,228 |
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9.87 |
% |
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320,316 |
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4.00 |
% |
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NA |
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NA |
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Union Bank & Trust |
901,783 |
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11.31 |
% |
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319,046 |
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4.00 |
% |
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398,807 |
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5.00 |
% |
As of December 31, 2015 |
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Common equity Tier 1 capital to risk weighted assets: |
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Consolidated |
$ |
691,195 |
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10.55 |
% |
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$ |
294,823 |
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4.50 |
% |
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NA |
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NA |
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Union Bank & Trust |
751,992 |
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11.52 |
% |
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293,747 |
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4.50 |
% |
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424,301 |
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6.50 |
% |
Tier 1 capital to risk weighted assets: |
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Consolidated |
781,695 |
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11.93 |
% |
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393,141 |
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6.00 |
% |
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NA |
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NA |
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Union Bank & Trust |
751,992 |
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11.52 |
% |
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391,663 |
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6.00 |
% |
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522,217 |
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|
8.00 |
% |
Total capital to risk weighted assets: |
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Consolidated |
816,041 |
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12.46 |
% |
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523,943 |
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8.00 |
% |
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NA |
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NA |
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Union Bank & Trust |
786,339 |
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12.05 |
% |
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522,051 |
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8.00 |
% |
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652,563 |
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10.00 |
% |
Tier 1 capital to average adjusted assets: |
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Consolidated |
781,695 |
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10.68 |
% |
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292,770 |
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4.00 |
% |
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NA |
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NA |
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Union Bank & Trust |
751,992 |
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10.31 |
% |
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291,752 |
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4.00 |
% |
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364,691 |
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5.00 |
% |
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