| Schedule of Bank Capital Amount and Ratio |
The Company and the Bank’s capital amounts and ratios are also presented in the following table as of December 31, (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Required for Capital |
|
Required in Order to Be |
|
|
|
Actual |
|
Adequacy Purposes (1) |
|
Well Capitalized (2) |
|
|
|
Amount |
|
Ratio |
|
Amount |
|
Ratio |
|
Amount |
|
Ratio |
|
2025 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Common equity Tier 1 capital to risk weighted assets: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
3,074,066 |
|
10.10 |
% |
$ |
1,369,633 |
|
4.50% |
|
NA |
|
NA |
|
Atlantic Union Bank |
|
|
3,952,859 |
|
13.02 |
% |
|
1,366,196 |
|
4.50% |
|
1,973,394 |
|
6.50% |
|
Tier 1 capital to risk weighted assets: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
3,240,422 |
|
10.64 |
% |
|
1,827,306 |
|
6.00% |
|
1,827,306 |
|
6.00% |
|
Atlantic Union Bank |
|
|
3,952,859 |
|
13.02 |
% |
|
1,821,594 |
|
6.00% |
|
2,428,792 |
|
8.00% |
|
Total capital to risk weighted assets: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
4,232,521 |
|
13.90 |
% |
|
2,435,983 |
|
8.00% |
|
3,044,979 |
|
10.00% |
|
Atlantic Union Bank |
|
|
4,245,839 |
|
13.98 |
% |
|
2,429,665 |
|
8.00% |
|
3,037,081 |
|
10.00% |
|
Tier 1 capital to average adjusted assets (Leverage): |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
3,240,422 |
|
9.10 |
% |
|
1,424,361 |
|
4.00% |
|
NA |
|
NA |
|
Atlantic Union Bank |
|
|
3,952,859 |
|
11.13 |
% |
|
1,420,614 |
|
4.00% |
|
1,775,768 |
|
5.00% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2024 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Common equity Tier 1 capital to risk weighted assets: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
2,063,163 |
|
9.96 |
% |
$ |
932,152 |
|
4.50% |
|
NA |
|
NA |
|
Atlantic Union Bank |
|
|
2,563,499 |
|
12.44 |
% |
|
927,311 |
|
4.50% |
|
1,339,449 |
|
6.50% |
|
Tier 1 capital to risk weighted assets: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
2,229,519 |
|
10.76 |
% |
|
1,243,226 |
|
6.00% |
|
1,243,226 |
|
6.00% |
|
Atlantic Union Bank |
|
|
2,563,499 |
|
12.44 |
% |
|
1,236,414 |
|
6.00% |
|
1,648,552 |
|
8.00% |
|
Total capital to risk weighted assets: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
2,819,398 |
|
13.61 |
% |
|
1,657,251 |
|
8.00% |
|
2,071,564 |
|
10.00% |
|
Atlantic Union Bank |
|
|
2,740,617 |
|
13.30 |
% |
|
1,648,491 |
|
8.00% |
|
2,060,614 |
|
10.00% |
|
Tier 1 capital to average adjusted assets (Leverage): |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
2,229,519 |
|
9.29 |
% |
|
959,965 |
|
4.00% |
|
NA |
|
NA |
|
Atlantic Union Bank |
|
|
2,563,499 |
|
10.74 |
% |
|
954,748 |
|
4.00% |
|
1,193,435 |
|
5.00% |
|
(1) Amounts and ratios shown do not include the impact of a capital conservation buffer of 2.50%.
(2) Reflects the well-capitalized standard under Regulation Y for Atlantic Union Bankshares Corporation and the prompt corrective actions framework for Atlantic Union Bank.
|