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Capital (Tables)
12 Months Ended
Dec. 31, 2021
Capital [Abstract]  
Regulatory Capital Ratios for Company in Comparison With Minimum Amounts and Ratios Required by Federal Reserve Board of Governors

The following tables present the regulatory capital ratios for the Company at December 31, 2021 and 2020, in comparison with the minimum amounts and ratios required by the FRB for capital adequacy purposes:

 

 

 

Risk-Based Capital

 

 

 

 

 

 

 

 

At December 31, 2021

 

Common Equity
Tier 1

 

 

Tier 1

 

 

Total

 

 

Leverage Capital

 

 

(dollars in millions)

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Total capital

 

$

4,226

 

 

 

9.68

 

%

$

4,729

 

 

 

10.83

 

%

$

5,558

 

 

 

12.73

 

%

$

4,729

 

 

 

8.46

 

%

Minimum for capital
   adequacy purposes

 

 

1,966

 

 

 

4.50

 

 

 

2,621

 

 

 

6.00

 

 

 

3,494

 

 

 

8.00

 

 

 

2,237

 

 

 

4.00

 

 

Excess

 

$

2,260

 

 

 

5.18

 

%

$

2,108

 

 

 

4.83

 

%

$

2,064

 

 

 

4.73

 

%

$

2,492

 

 

 

4.46

 

%

 

 

 

Risk-Based Capital

 

 

 

 

 

 

 

 

At December 31, 2020

 

Common Equity
Tier 1

 

 

Tier 1

 

 

Total

 

 

Leverage Capital

 

 

(dollars in millions)

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Total capital

 

$

3,962

 

 

 

9.72

 

%

$

4,465

 

 

 

10.95

 

%

$

5,290

 

 

 

12.97

 

%

$

4,465

 

 

 

8.52

 

%

Minimum for capital
   adequacy purposes

 

 

1,834

 

 

 

4.50

 

 

 

2,446

 

 

 

6.00

 

 

 

3,262

 

 

 

8.00

 

 

 

2,096

 

 

 

4.00

 

 

Excess

 

$

2,128

 

 

 

5.22

 

%

$

2,019

 

 

 

4.95

 

%

$

2,028

 

 

 

4.97

 

%

$

2,369

 

 

 

4.52

 

%

Actual Capital Amounts and Ratios for Community Bank in Comparison to Minimum Amounts and Ratios Required

The following tables present the actual capital amounts and ratios for the Bank at December 31, 2021 and 2020 in comparison to the minimum amounts and ratios required for capital adequacy purposes.

 

 

 

Risk-Based Capital

 

 

 

 

 

 

 

 

At December 31, 2021

 

Common
Equity
Tier 1

 

 

Tier 1

 

 

Total

 

 

Leverage
Capital

 

 

(dollars in millions)

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Total capital

 

$

5,217

 

 

 

11.95

 

%

$

5,217

 

 

 

11.95

 

%

$

5,402

 

 

 

12.38

 

%

$

5,217

 

 

 

9.33

 

%

Minimum for capital adequacy
   purposes

 

 

1,964

 

 

 

4.50

 

 

 

2,619

 

 

 

6.00

 

 

 

3,491

 

 

 

8.00

 

 

 

2,236

 

 

 

4.00

 

 

Excess

 

$

3,253

 

 

 

7.45

 

%

$

2,598

 

 

 

5.95

 

%

$

1,911

 

 

 

4.38

 

%

$

2,981

 

 

 

5.33

 

%

 

 

 

Risk-Based Capital

 

 

 

 

 

 

 

 

At December 31, 2020

 

Common
Equity
Tier 1

 

 

Tier 1

 

 

Total

 

 

Leverage
Capital

 

 

(dollars in millions)

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Total capital

 

$

4,964

 

 

 

12.18

 

%

$

4,964

 

 

 

12.18

 

%

$

5,145

 

 

 

12.62

 

%

$

4,964

 

 

 

9.48

 

%

Minimum for capital adequacy
   purposes

 

 

1,834

 

 

 

4.50

 

 

 

2,445

 

 

 

6.00

 

 

 

3,260

 

 

 

8.00

 

 

 

2,095

 

 

 

4.00

 

 

Excess

 

$

3,130

 

 

 

7.68

 

%

$

2,519

 

 

 

6.18

 

%

$

1,885

 

 

 

4.62

 

%

$

2,869

 

 

 

5.48

 

%