2.2.0.7 false Bank Regulatory Capital 0215 - Disclosure - Bank Regulatory Capital true false false false 1 USD false false USD Standard http://www.xbrl.org/2003/iso4217 USD iso4217 0 EPS Divide http://www.xbrl.org/2003/iso4217 USD iso4217 http://www.xbrl.org/2003/instance shares xbrli 0 Shares Standard http://www.xbrl.org/2003/instance shares xbrli 0 $ 2 Bank Regulatory Capital [Abstract] 0 us-gaap_SummaryOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsAbstract us-gaap true na duration No definition available. false false false false false true false false false false false false 1 false false false false 0 0 false false false xbrli:stringItemType string No definition available. false 3 Bank Regulatory Capital 1 us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock us-gaap true na duration No definition available. false false false false false false false false false false false verboselabel false 1 false false false false 0 0 Note 15.  Bank Regulatory Capital CapitalSource Bank is subject to various regulatory capital requirements established by federal and state regulatory agencies. Failure to meet minimum capital requirements can result in regulatory agencies initiating certain mandatory and possibly additional discretionary actions that, if undertaken, could have a direct material effect on our consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, CapitalSource Bank must meet specific capital guidelines that involve quantitative measures of its assets and liabilities as calculated under regulatory accounting practices. CapitalSource Bank's capital amounts and other requirements are also subject to qualitative judgments by its regulators about risk weightings and other factors. See Item 1, Business — Supervision and Regulation, in our Form 10-K for the year ended December 31, 2009, for a further description of CapitalSource Bank's regulatory requirements. Under prompt corrective action regulations, a “well-capitalized” bank must have a total risk-based capital ratio of 10%, a Tier 1 risk-based capital ratio of 6%, and a Tier 1 leverage ratio of 5%. Under its approval order from the FDIC, CapitalSource Bank must be “well-capitalized” and at all times have a total risk-based capital ratio of 15%, a Tier-1 risk-based capital ratio of 6% and a Tier 1 leverage ratio of 5%. CapitalSource Bank's capital ratios and the minimum requirements as of September 30, 2010 and December 31, 2009 were as follows:<div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 13px"><td style="width: 130px; text-align:left;border-color:#000000;min-width:130px;"> </td><td colspan="9" style="width: 266px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:266px;">September 30, 2010</td><td style="width: 20px; text-align:center;border-color:#000000;min-width:20px;"> </td><td colspan="9" style="width: 266px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:266px;">December 31, 2009</td><td style="width: 20px; text-align:center;border-color:#000000;min-width:20px;"> </td></tr><tr style="height: 12px"><td style="width: 130px; text-align:left;border-color:#000000;min-width:130px;"> </td><td colspan="4" style="width: 123px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:123px;">Actual </td><td style="width: 20px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:20px;"> </td><td colspan="4" style="width: 123px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:123px;">Minimum Required </td><td style="width: 20px; text-align:center;border-color:#000000;min-width:20px;"> </td><td colspan="4" style="width: 123px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:123px;">Actual </td><td style="width: 20px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:20px;"> </td><td colspan="4" style="width: 123px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:123px;">Minimum Required </td><td style="width: 20px; text-align:center;border-color:#000000;min-width:20px;"> </td></tr><tr style="height: 13px"><td style="width: 130px; text-align:left;border-color:#000000;min-width:130px;"> </td><td colspan="2" style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:68px;">Amount </td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 43px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:43px;">Ratio </td><td style="width: 20px; text-align:center;border-color:#000000;min-width:20px;"> </td><td colspan="2" style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:68px;">Amount </td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 43px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:43px;">Ratio </td><td style="width: 20px; text-align:center;border-color:#000000;min-width:20px;"> </td><td colspan="2" style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:68px;">Amount </td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 43px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:43px;">Ratio </td><td style="width: 20px; text-align:center;border-color:#000000;min-width:20px;"> </td><td colspan="2" style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:68px;">Amount </td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 43px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:43px;">Ratio </td><td style="width: 20px; text-align:center;border-color:#000000;min-width:20px;"> </td></tr><tr style="height: 8px"><td style="width: 130px; text-align:left;border-color:#000000;min-width:130px;"> </td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 56px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:56px;"> </td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 43px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:43px;"> </td><td style="width: 20px; text-align:center;border-color:#000000;min-width:20px;"> </td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 56px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:56px;"> </td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 43px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:43px;"> </td><td style="width: 20px; text-align:center;border-color:#000000;min-width:20px;"> </td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 56px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:56px;"> </td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 43px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:43px;"> </td><td style="width: 20px; text-align:center;border-color:#000000;min-width:20px;"> </td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 56px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:56px;"> </td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 43px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:43px;"> </td><td style="width: 20px; text-align:center;border-color:#000000;min-width:20px;"> </td></tr><tr style="height: 14px"><td style="width: 130px; text-align:left;border-color:#000000;min-width:130px;"> </td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td colspan="18" style="width: 540px; text-align:center;border-color:#000000;min-width:540px;">($ in thousands)</td><td style="width: 20px; text-align:center;border-color:#000000;min-width:20px;"> </td></tr><tr style="height: 14px"><td style="width: 130px; text-align:left;border-color:#000000;min-width:130px;">Tier-1 Leverage </td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;">$</td><td style="width: 56px; text-align:right;border-color:#000000;min-width:56px;">739,226</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 43px; text-align:right;border-color:#000000;min-width:43px;">13.03</td><td style="width: 20px; text-align:left;border-color:#000000;min-width:20px;">%</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;">$</td><td style="width: 56px; text-align:right;border-color:#000000;min-width:56px;">283,737</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 43px; text-align:right;border-color:#000000;min-width:43px;">5.00</td><td style="width: 20px; text-align:left;border-color:#000000;min-width:20px;">%</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;">$</td><td style="width: 56px; text-align:right;border-color:#000000;min-width:56px;">699,323</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 43px; text-align:right;border-color:#000000;min-width:43px;">12.80</td><td style="width: 20px; text-align:left;border-color:#000000;min-width:20px;">%</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;">$</td><td style="width: 56px; text-align:right;border-color:#000000;min-width:56px;">273,153</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 43px; text-align:right;border-color:#000000;min-width:43px;">5.00</td><td style="width: 20px; text-align:left;border-color:#000000;min-width:20px;">%</td></tr><tr style="height: 13px"><td style="width: 130px; text-align:left;border-color:#000000;min-width:130px;">Tier-1 Risk-Based Capital </td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 56px; text-align:right;border-color:#000000;min-width:56px;">739,226</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 43px; text-align:right;border-color:#000000;min-width:43px;">16.99</td><td style="width: 20px; text-align:left;border-color:#000000;min-width:20px;"> </td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 56px; text-align:right;border-color:#000000;min-width:56px;">261,110</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 43px; text-align:right;border-color:#000000;min-width:43px;">6.00</td><td style="width: 20px; text-align:left;border-color:#000000;min-width:20px;"> </td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 56px; text-align:right;border-color:#000000;min-width:56px;">699,323</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 43px; text-align:right;border-color:#000000;min-width:43px;">16.19</td><td style="width: 20px; text-align:left;border-color:#000000;min-width:20px;"> </td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 56px; text-align:right;border-color:#000000;min-width:56px;">259,175</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 43px; text-align:right;border-color:#000000;min-width:43px;">6.00</td><td style="width: 20px; text-align:left;border-color:#000000;min-width:20px;"> </td></tr><tr style="height: 14px"><td style="width: 130px; text-align:left;border-color:#000000;min-width:130px;">Total Risk-Based Capital </td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 56px; text-align:right;border-color:#000000;min-width:56px;">794,610</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 43px; text-align:right;border-color:#000000;min-width:43px;">18.26</td><td style="width: 20px; text-align:left;border-color:#000000;min-width:20px;"> </td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 56px; text-align:right;border-color:#000000;min-width:56px;">652,776</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 43px; text-align:right;border-color:#000000;min-width:43px;">15.00</td><td style="width: 20px; text-align:left;border-color:#000000;min-width:20px;"> </td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 56px; text-align:right;border-color:#000000;min-width:56px;">754,580</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 43px; text-align:right;border-color:#000000;min-width:43px;">17.47</td><td style="width: 20px; text-align:left;border-color:#000000;min-width:20px;"> </td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 56px; text-align:right;border-color:#000000;min-width:56px;">647,938</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 43px; text-align:right;border-color:#000000;min-width:43px;">15.00</td><td style="width: 20px; text-align:left;border-color:#000000;min-width:20px;"> </td></tr></table></div>The California Department of Financial Institutions (the “DFI”) approval order requires that CapitalSource Bank, during the first three years of operations, maintain a minimum ratio of tangible shareholder's equity to total tangible assets of at least 10.00%. As of September 30, 2010 and December 31, 2009, CapitalSource Bank satisfied the DFI capital ratio requirement with ratios of 12.85% and 12.32%, respectively. Note 15.  Bank Regulatory Capital CapitalSource Bank is subject to various regulatory capital requirements established by federal and state false false false us-types:textBlockItemType textblock This element may be used to capture the complete disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable. The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time. Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher AICPA -Name Audit and Accounting Guide (AAG) -Number AAG-DEP -Chapter 17 -Paragraph 15, 16, 17 -IssueDate 2006-05-01 false 1 2 false UnKnown UnKnown UnKnown false true