| Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations |
The following table shows the Company's consolidated and the Bank's capital adequacy ratios compared to the regulatory minimum capital ratio and the regulatory minimum capital ratio needed to qualify as a "well-capitalized" institution, as calculated under regulatory guidelines of Basel III at December 31, 2020 and 2019:
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | For Capital Adequacy Purposes | | To be Well Capitalized | | (dollars in thousands) | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | December 31, 2020 | | | | | | | | | | | | | Total Capital | | | | | | | | | | | | | (to Risk Weighted Assets) | | | | | | | | | | | | | Consolidated | $ | 3,347,926 | | | 15.63 | % | | $ | 1,713,891 | | | 8.00 | % | | $ | 2,142,364 | | | 10.00 | % | | Umpqua Bank | $ | 3,134,116 | | | 14.63 | % | | $ | 1,713,809 | | | 8.00 | % | | $ | 2,142,262 | | | 10.00 | % | | Tier 1 Capital | | | | | | | | | | | | | (to Risk Weighted Assets) | | | | | | | | | | | | | Consolidated | $ | 2,636,194 | | | 12.31 | % | | $ | 1,285,418 | | | 6.00 | % | | $ | 1,713,891 | | | 8.00 | % | | Umpqua Bank | $ | 2,873,383 | | | 13.41 | % | | $ | 1,285,357 | | | 6.00 | % | | $ | 1,713,809 | | | 8.00 | % | | Tier 1 Common | | | | | | | | | | | | | (to Risk Weighted Assets) | | | | | | | | | | | | | Consolidated | $ | 2,636,194 | | | 12.31 | % | | $ | 964,064 | | | 4.50 | % | | $ | 1,392,536 | | | 6.50 | % | | Umpqua Bank | $ | 2,873,383 | | | 13.41 | % | | $ | 964,018 | | | 4.50 | % | | $ | 1,392,470 | | | 6.50 | % | | Tier 1 Capital | | | | | | | | | | | | | (to Average Assets) | | | | | | | | | | | | | Consolidated | $ | 2,636,194 | | | 8.98 | % | | $ | 1,174,129 | | | 4.00 | % | | $ | 1,467,661 | | | 5.00 | % | | Umpqua Bank | $ | 2,873,383 | | | 9.79 | % | | $ | 1,174,065 | | | 4.00 | % | | $ | 1,467,581 | | | 5.00 | % | | December 31, 2019 | | | | | | | | | | | | | Total Capital | | | | | | | | | | | | | (to Risk Weighted Assets) | | | | | | | | | | | | | Consolidated | $ | 3,104,444 | | | 13.96 | % | | $ | 1,779,265 | | | 8.00 | % | | $ | 2,224,081 | | | 10.00 | % | | Umpqua Bank | $ | 2,945,830 | | | 13.26 | % | | $ | 1,777,265 | | | 8.00 | % | | $ | 2,221,581 | | | 10.00 | % | | Tier 1 Capital | | | | | | | | | | | | | (to Risk Weighted Assets) | | | | | | | | | | | | | Consolidated | $ | 2,490,709 | | | 11.20 | % | | $ | 1,334,449 | | | 6.00 | % | | $ | 1,779,265 | | | 8.00 | % | | Umpqua Bank | $ | 2,783,095 | | | 12.53 | % | | $ | 1,332,949 | | | 6.00 | % | | $ | 1,777,265 | | | 8.00 | % | | Tier 1 Common | | | | | | | | | | | | | (to Risk Weighted Assets) | | | | | | | | | | | | Consolidated | $ | 2,490,709 | | | 11.20 | % | | $ | 1,000,837 | | | 4.50 | % | | $ | 1,445,653 | | | 6.50 | % | Umpqua Bank | $ | 2,783,095 | | | 12.53 | % | | $ | 999,712 | | | 4.50 | % | | $ | 1,444,028 | | | 6.50 | % | | Tier 1 Capital | | | | | | | | | | | | | (to Average Assets) | | | | | | | | | | | | | Consolidated | $ | 2,490,709 | | | 9.16 | % | | $ | 1,087,509 | | | 4.00 | % | | $ | 1,359,387 | | | 5.00 | % | | Umpqua Bank | $ | 2,783,095 | | | 10.24 | % | | $ | 1,086,999 | | | 4.00 | % | | $ | 1,358,749 | | | 5.00 | % |
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