| Schedule of compliance with Regulatory Capital Requirements |
The table below summarizes our actual and required capital ratios under the Basel III Capital Rules. The ratios presented below include the effects of our election to utilize the five-year CECL transition described above. | | | | | | | | | | | | | | | | | | | | | Actual | | For Capital Adequacy Purposes | | Required to be Considered Well Capitalized | (dollars in thousands) | | Capital Amount | Ratio | | Capital Amount | Ratio | | Capital Amount | Ratio | March 31, 2020 | | | | | | | | | | CET1 | | | | | | | | | | Company | | $ | 2,646,323 |
| 9.27 | % | | $ | 1,998,473 |
| 7.00 | % | | N/A |
| N/A |
| Bank | | 2,673,198 |
| 9.37 | % | | 1,996,495 |
| 7.00 | % | | 1,853,888 |
| 6.50 | % | Total capital (to risk-weighted assets) | | | | | | | | | | Company | | 3,415,854 |
| 11.96 | % | | 2,997,710 |
| 10.50 | % | | N/A |
| N/A |
| Bank | | 3,283,989 |
| 11.51 | % | | 2,994,742 |
| 10.50 | % | | 2,852,135 |
| 10.00 | % | Tier 1 capital (to risk-weighted assets) | | | | | | | | | | Company | | 2,901,225 |
| 10.16 | % | | 2,426,717 |
| 8.50 | % | | N/A |
| N/A |
| Bank | | 2,828,100 |
| 9.92 | % | | 2,424,315 |
| 8.50 | % | | 2,281,708 |
| 8.00 | % | Tier 1 capital (to average assets)(1) | | | | | | | | | | Company | | 2,901,225 |
| 8.48 | % | | 1,368,689 |
| 4.00 | % | | N/A |
| N/A |
| Bank | | 2,828,100 |
| 8.27 | % | | 1,368,145 |
| 4.00 | % | | 1,710,181 |
| 5.00 | % | December 31, 2019 | | | | | | | | | | CET1 | | | | | | | | | | Company | | $ | 2,653,999 |
| 8.88 | % | | $ | 2,091,591 |
| 7.00 | % | | N/A |
| N/A |
| Bank | | 2,676,513 |
| 8.96 | % | | 2,090,870 |
| 7.00 | % | | 1,941,522 |
| 6.50 | % | Total capital (to risk-weighted assets) | | | | | | | | | | Company | | 3,398,345 |
| 11.37 | % | | 3,137,926 |
| 10.50 | % | | N/A |
| N/A |
| Bank | | 3,262,144 |
| 10.92 | % | | 3,136,305 |
| 10.50 | % | | 2,986,957 |
| 10.00 | % | Tier 1 capital (to risk-weighted assets) | | | | | | | | | | Company | | 2,912,529 |
| 9.75 | % | | 2,540,226 |
| 8.50 | % | | N/A |
| N/A |
| Bank | | 2,835,043 |
| 9.49 | % | | 2,538,913 |
| 8.50 | % | | 2,389,565 |
| 8.00 | % | Tier 1 capital (to average assets)(1) | | | | | | | | | | Company | | 2,912,529 |
| 8.42 | % | | 1,383,640 |
| 4.00 | % | | N/A |
| N/A |
| Bank | | 2,835,043 |
| 8.20 | % | | 1,383,190 |
| 4.00 | % | | 1,728,988 |
| 5.00 | % |
(1) The Tier 1 capital ratio (to average assets) is not impacted by the Basel III Capital Rules; however, the Federal Reserve Board and the FDIC may require the Company and the Bank, respectively, to maintain a Tier 1 capital ratio (to average assets) above the required minimum.
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