Regulatory Capital

12 Months Ended

Dec. 31, 2019

Banking and Thrift [Abstract]

Regulatory Capital

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 included transition provisions through 2018. In preparation for the capital simplification rules, effective January 1, 2020, the Basel III implementation phase-in has been halted. For additional information, see Item 1. Business and Item 1A. Risk Factors.

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 December 31, 2019 and December 31, 2018.

The following tables present the regulatory capital ratios as of the dates indicated:

Flagstar Bancorp	Actual				For Capital Adequacy Purposes				Well-Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(Dollars in millions)
December 31, 2019
Tier 1 capital (to adjusted avg. total assets)	$	1,720	7.57	%	$	909	4.0	%	$	1,136	5.0	%
Common equity Tier 1 capital (to RWA)	1,480		9.32	%	715		4.5	%	1,033		6.5	%
Tier 1 capital (to RWA)	1,720		10.83	%	953		6.0	%	1,271		8.0	%
Total capital (to RWA)	1,830		11.52	%	1,271		8.0	%	1,589		10.0	%
December 31, 2018
Tier 1 capital (to adjusted avg. total assets)	$	1,505	8.29	%	$	726	4.0	%	$	908	5.0	%
Common equity Tier 1 capital (to RWA)	1,265		10.54	%	540		4.5	%	780		6.5	%
Tier 1 capital (to RWA)	1,505		12.54	%	720		6.0	%	960		8.0	%
Total capital (to RWA)	1,637		13.63	%	960		8.0	%	1,201		10.0	%

Flagstar Bank	Actual				For Capital Adequacy Purposes				Well-Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(Dollars in millions)
December 31, 2019
Tier 1 capital (to adjusted avg. total assets)	$	1,752	7.71	%	$	909	4.0	%	$	1,136	5.0	%
Common equity Tier 1 capital (to RWA)	1,752		11.04	%	714		4.5	%	1,032		6.5	%
Tier 1 capital (to RWA)	1,752		11.04	%	952		6.0	%	1,270		8.0	%
Total capital (to RWA)	1,862		11.73	%	1,270		8.0	%	1,587		10.0	%
December 31, 2018
Tier 1 capital (to adjusted avg. total assets)	$	1,574	8.67	%	$	726	4.0	%	$	908	5.0	%
Common equity Tier 1 capital (to RWA)	1,574		13.12	%	540		4.5	%	780		6.5	%
Tier 1 capital (to RWA)	1,574		13.12	%	720		6.0	%	960		8.0	%
Total capital (to RWA)	1,705		14.21	%	960		8.0	%	1,200		10.0	%