Capital Requirements (Tables)

9 Months Ended

Sep. 30, 2024

Capital Requirements

Schedule of actual capital and required amounts and ratios

					Required For
					Capital
					Adequacy
					Purposes
	Actual				Under Basel III
	Amount		Ratio		Amount		Ratio (1)
	(Dollars in thousands)
As of September 30, 2024
Total Capital	$	605,396	15.6	%	$	406,919	10.5	%
(to risk-weighted assets)
Tier 1 Capital	$	520,133	13.4	%	$	329,411	8.5	%
(to risk-weighted assets)
Common Equity Tier 1 Capital	$	520,133	13.4	%	$	271,279	7.0	%
(to risk-weighted assets)
Tier 1 Capital	$	520,133	10.0	%	$	207,279	4.0	%
(to average assets)

(1) Includes 2.5% capital conservation buffer, except the Tier 1 Capital to average assets ratio.

					Required For
					Capital
					Adequacy
					Purposes
	Actual				Under Basel III
	Amount		Ratio		Amount		Ratio (1)
		(Dollars in thousands)
As of December 31, 2023
Total Capital	$	594,371	15.5	%	$	403,060	10.5	%
(to risk-weighted assets)
Tier 1 Capital	$	511,799	13.3	%	$	326,287	8.5	%
(to risk-weighted assets)
Common Equity Tier 1 Capital	$	511,799	13.3	%	$	268,707	7.0	%
(to risk-weighted assets)
Tier 1 Capital	$	511,799	10.0	%	$	204,024	4.0	%
(to average assets)

(1) Includes 2.5% capital conservation buffer, except the Tier 1 Capital to average assets ratio.

HBC

Capital Requirements

Schedule of actual capital and required amounts and ratios

									Required For
									Capital
					To Be Well-Capitalized				Adequacy
					Under  PCA Regulatory				Purposes
	Actual				Guidelines				Under Basel III
	Amount		Ratio		Amount		Ratio		Amount		Ratio (1)
	(Dollars in thousands)
As of September 30, 2024
Total Capital	$	585,034	15.1	%	$	387,242	10.0	%	$	406,604	10.5	%
(to risk-weighted assets)
Tier 1 Capital	$	539,386	13.9	%	$	309,793	8.0	%	$	329,156	8.5	%
(to risk-weighted assets)
Common Equity Tier 1 Capital	$	539,386	13.9	%	$	251,707	6.5	%	$	271,069	7.0	%
(to risk-weighted assets)
Tier 1 Capital	$	539,386	10.4	%	$	258,949	5.0	%	$	207,159	4.0	%
(to average assets)

(1) Includes 2.5% capital conservation buffer, except the Tier 1 Capital to average assets ratio.

									Required For
									Capital
					To Be Well-Capitalized				Adequacy
					Under Basel III PCA Regulatory				Purposes
	Actual				Requirements				Under Basel III
	Amount		Ratio		Amount		Ratio		Amount		Ratio (1)
		(Dollars in thousands)
As of December 31, 2023
Total Capital	$	572,907	14.9	%	$	383,542	10.0	%	$	402,719	10.5	%
(to risk-weighted assets)
Tier 1 Capital	$	529,836	13.8	%	$	306,834	8.0	%	$	326,011	8.5	%
(to risk-weighted assets)
Common Equity Tier 1 Capital	$	529,836	13.8	%	$	249,302	6.5	%	$	268,479	7.0	%
(to risk-weighted assets)
Tier 1 Capital	$	529,836	10.4	%	$	254,869	5.0	%	$	203,895	4.0	%
(to average assets)

(1) Includes 2.5% capital conservation buffer, except the Tier 1 Capital to average assets ratio.