| 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, 2018 and 2017 (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, 2018 |
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Common equity Tier 1 capital to risk weighted assets: |
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Consolidated |
$ |
1,106,871 |
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9.93 |
% |
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$ |
501,608 |
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4.50 |
% |
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NA |
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NA |
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Union Bank & Trust |
1,378,039 |
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12.40 |
% |
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500,224 |
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4.50 |
% |
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722,546 |
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6.50 |
% |
Tier 1 capital to risk weighted assets: |
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Consolidated |
1,236,709 |
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11.09 |
% |
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668,817 |
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6.00 |
% |
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NA |
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NA |
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Union Bank & Trust |
1,378,039 |
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12.40 |
% |
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666,965 |
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6.00 |
% |
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889,287 |
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8.00 |
% |
Total capital to risk weighted assets: |
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Consolidated |
1,435,711 |
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12.88 |
% |
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891,753 |
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8.00 |
% |
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NA |
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NA |
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Union Bank & Trust |
1,419,984 |
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12.77 |
% |
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889,289 |
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8.00 |
% |
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1,111,612 |
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10.00 |
% |
Tier 1 capital to average adjusted assets: |
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Consolidated |
1,236,709 |
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9.71 |
% |
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509,678 |
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4.00 |
% |
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NA |
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NA |
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Union Bank & Trust |
1,378,039 |
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10.84 |
% |
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508,412 |
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4.00 |
% |
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635,515 |
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5.00 |
% |
As of December 31, 2017 |
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Common equity Tier 1 capital to risk weighted assets: |
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Consolidated |
$ |
737,204 |
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9.04 |
% |
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$ |
367,073 |
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4.50 |
% |
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NA |
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NA |
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Union Bank & Trust |
947,432 |
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11.66 |
% |
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365,616 |
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4.50 |
% |
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528,111 |
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6.50 |
% |
Tier 1 capital to risk weighted assets: |
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Consolidated |
826,979 |
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10.14 |
% |
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489,428 |
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6.00 |
% |
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NA |
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NA |
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Union Bank & Trust |
947,432 |
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11.66 |
% |
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487,488 |
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6.00 |
% |
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649,983 |
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8.00 |
% |
Total capital to risk weighted assets: |
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Consolidated |
1,013,788 |
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12.43 |
% |
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652,573 |
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8.00 |
% |
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NA |
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NA |
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Union Bank & Trust |
986,040 |
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12.14 |
% |
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649,983 |
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8.00 |
% |
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812,478 |
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10.00 |
% |
Tier 1 capital to average adjusted assets: |
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Consolidated |
826,979 |
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9.42 |
% |
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351,230 |
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4.00 |
% |
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NA |
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NA |
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Union Bank & Trust |
947,432 |
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10.82 |
% |
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350,126 |
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4.00 |
% |
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437,657 |
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5.00 |
% |
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