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Regulatory Matters
 6 Months Ended
Jun. 30, 2017
Regulatory Capital Requirements [Abstract]  
Regulatory Matters
Regulatory Matters

Regulatory Capital

We, along with the Bank, must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classifications are also subject to qualitative judgments by regulators. Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional discretionary actions by regulators that could have a material effect on the Consolidated Financial Statements. On January 1, 2015, the Basel III rules became effective and include transition provisions through 2018.

To be categorized as "well-capitalized," the Company and the Bank must maintain minimum tangible capital, Tier 1 capital, common equity Tier 1, and total capital ratios as set forth in the table below. We, along with the Bank, are considered "well-capitalized" at both June 30, 2017 and December 31, 2016.

The following tables present the regulatory capital ratios as of the dates indicated:
Bancorp
Actual
 
For Capital Adequacy Purposes
 
Well Capitalized Under Prompt Corrective Action Provisions
 
Amount
Ratio
 
Amount
Ratio
 
Amount
Ratio
 
(Dollars in millions)
June 30, 2017
 
 
 
 
 
 
 
 
Tangible capital (to adjusted avg. total assets)
$
1,408

9.10
%
 
N/A

N/A

 
N/A

N/A

Tier 1 leverage (to adjusted avg. total assets)
1,408

9.10
%
 
$
619

4.00
%
 
$
773

5.00
%
Common equity Tier 1 capital (to RWA)
1,196

12.45
%
 
432

4.50
%
 
625

6.50
%
Tier 1 capital (to RWA)
1,408

14.65
%
 
577

6.00
%
 
769

8.00
%
Total capital (to RWA)
1,530

15.92
%
 
769

8.00
%
 
961

10.00
%
December 31, 2016
 
 
 
 
 
 
 
 
Tangible capital (to adjusted avg. total assets)
$
1,256

8.88
%
 
N/A

N/A

 
N/A

N/A

Tier 1 leverage (to adjusted avg. total assets)
1,256

8.88
%
 
$
566

4.0
%
 
$
707

5.0
%
Common equity Tier 1 capital (to RWA)
1,084

13.06
%
 
374

4.5
%
 
540

6.5
%
Tier 1 capital (to RWA)
1,256

15.12
%
 
498

6.0
%
 
664

8.0
%
Total capital (to RWA)
1,363

16.41
%
 
664

8.0
%
 
830

10.0
%
N/A - Not applicable
Bank
Actual
 
For Capital Adequacy Purposes
 
Well Capitalized Under Prompt Corrective Action Provisions
 
Amount
Ratio
 
Amount
Ratio
 
Amount
Ratio
 
(Dollars in millions)
June 30, 2017
 
 
 
 
 
 
 
 
Tangible capital (to adjusted avg. total assets)
$
1,590

10.26
%
 
N/A

N/A

 
N/A

N/A

Tier 1 leverage (to adjusted avg. total assets)
1,590

10.26
%
 
$
620

4.00
%
 
$
775

5.00
%
Common equity tier 1 capital (to RWA)
1,590

16.49
%
 
434

4.50
%
 
627

6.50
%
Tier 1 capital (to RWA)
1,590

16.49
%
 
579

6.00
%
 
772

8.00
%
Total capital (to RWA)
1,712

17.75
%
 
772

8.00
%
 
964

10.00
%
December 31, 2016
 
 
 
 
 
 
 
 
Tangible capital (to adjusted avg. total assets)
$
1,491

10.52
%
 
N/A

N/A

 
N/A

N/A

Tier 1 leverage (to adjusted avg. total assets)
1,491

10.52
%
 
$
567

4.0
%
 
$
709

5.0
%
Common equity tier 1 capital (to RWA)
1,491

17.90
%
 
375

4.5
%
 
542

6.5
%
Tier 1 capital (to RWA)
1,491

17.90
%
 
500

6.0
%
 
667

8.0
%
Total capital (to RWA)
1,598

19.18
%
 
667

8.0
%
 
833

10.0
%
N/A - Not applicable