| 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, 2015 and 2014 (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
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Ratio
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As of December 31, 2015
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Common equity Tier 1 capital to risk weighted assets:
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Consolidated
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$
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691,195
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10.55%
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$
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294,823
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4.50%
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$
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NA
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NA
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Union Bank & Trust
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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%
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Tier 1 capital to risk weighted assets:
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Consolidated
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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
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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%
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Total capital to risk weighted assets:
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Consolidated
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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
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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%
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Tier 1 capital to average adjusted assets:
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Consolidated
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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
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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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As of December 31, 2014
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Tier 1 capital to risk weighted assets:
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Consolidated
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$
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734,755
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12.76%
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$
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230,331
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4.00%
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$
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NA
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NA
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Union Bank & Trust
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708,453
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12.36%
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229,273
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4.00%
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343,909
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6.00%
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Total capital to risk weighted assets:
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Consolidated
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770,585
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13.38%
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460,738
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8.00%
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NA
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NA
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Union Bank & Trust
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744,269
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12.98%
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458,717
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8.00%
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573,397
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10.00%
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Tier 1 capital to average adjusted assets:
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Consolidated
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734,755
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10.62%
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276,744
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4.00%
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NA
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NA
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Union Bank & Trust
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708,453
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10.29%
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275,395
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4.00%
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344,243
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5.00%
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