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Capital (Tables)
12 Months Ended
Dec. 31, 2022
Banking Regulation, Total 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, 2022 and 2021, in comparison with the minimum amounts and ratios required by the FRB for capital adequacy purposes:

 

 

 

Risk-Based Capital

 

 

 

 

 

 

 

 

At December 31, 2022

 

Common Equity
Tier 1

 

 

Tier 1

 

 

Total

 

 

Leverage Capital

 

 

(dollars in millions)

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Total capital

 

$

6,335

 

 

 

9.06

 

%

$

6,838

 

 

 

9.78

 

%

$

8,154

 

 

 

11.66

 

%

$

6,838

 

 

 

9.70

 

%

Minimum for capital
   adequacy purposes

 

 

3,146

 

 

 

4.50

 

 

 

4,195

 

 

 

6.00

 

 

 

5,593

 

 

 

8.00

 

 

 

2,819

 

 

 

4.00

 

 

Excess

 

$

3,189

 

 

 

4.56

 

%

$

2,643

 

 

 

3.78

 

%

$

2,561

 

 

 

3.66

 

%

$

4,019

 

 

 

5.70

 

%

 

 

 

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

 

%

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, 2022 and 2021 in comparison to the minimum amounts and ratios required for capital adequacy purposes.

 

 

 

Risk-Based Capital

 

 

 

 

 

 

 

 

At December 31, 2022

 

Common
Equity
Tier 1

 

 

Tier 1

 

 

Total

 

 

Leverage
Capital

 

 

(dollars in millions)

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Total capital

 

$

7,653

 

 

 

10.96

 

%

$

7,653

 

 

 

10.96

 

%

$

7,982

 

 

 

11.43

 

%

$

7,653

 

 

 

10.87

 

%

Minimum for capital adequacy
   purposes

 

 

3,142

 

 

 

4.50

 

 

 

4,189

 

 

 

6.00

 

 

 

5,585

 

 

 

8.00

 

 

 

2,817

 

 

 

4.00

 

 

Excess

 

$

4,511

 

 

 

6.46

 

%

$

3,464

 

 

 

4.96

 

%

$

2,397

 

 

 

3.43

 

%

$

4,836

 

 

 

6.87

 

%

 

 

 

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

 

%