Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations |
The following tables present actual capital amounts and ratios for the Company and the Bank as of the dates indicated: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Well Capitalized | | Capital | | | | | | Minimum | | Conservation | | Actual | | Requirement | | Buffer | | Balance | | Ratio | | Balance | | Ratio | | Requirement | | (Dollars in thousands) | December 31, 2023 | | | | | | | | | | Tier I leverage capital (to average assets): | | | | | | | | | | Banc of California, Inc. | $ | 3,402,044 | | | 9.00% | | $ | 1,889,775 | | | 5.00% | | N/A | Banc of California | $ | 3,617,643 | | | 9.62% | | $ | 1,880,850 | | | 5.00% | | N/A | CET1 capital (to risk-weighted assets): | | | | | | | | | | Banc of California, Inc. | $ | 2,772,528 | | | 10.14% | | $ | 1,777,025 | | | 6.50% | | 7.00% | Banc of California | $ | 3,617,643 | | | 13.27% | | $ | 1,772,549 | | | 6.50% | | 7.00% | Tier I capital (to risk-weighted assets) | | | | | | | | | | Banc of California, Inc. | $ | 3,402,044 | | | 12.44% | | $ | 2,187,108 | | | 8.00% | | 8.50% | Banc of California | $ | 3,617,643 | | | 13.27% | | $ | 2,181,599 | | | 8.00% | | 8.50% | Total capital (to risk-weighted assets): | | | | | | | | | | Banc of California, Inc. | $ | 4,490,493 | | | 16.43% | | $ | 2,733,885 | | | 10.00% | | 10.50% | Banc of California | $ | 4,295,821 | | | 15.75% | | $ | 2,726,998 | | | 10.00% | | 10.50% |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Well Capitalized | | Capital | | | | | | Minimum | | Conservation | | Actual | | Requirement | | Buffer | | Balance | | Ratio | | Balance | | Ratio | | Requirement | | (Dollars in thousands) | December 31, 2022 | | | | | | | | | | Tier I leverage capital (to average assets): | | | | | | | | | | Banc of California, Inc. | $ | 3,503,201 | | | 8.61% | | $ | 2,033,411 | | | 5.00% | | N/A | Banc of California | $ | 3,408,289 | | | 8.39% | | $ | 2,031,413 | | | 5.00% | | N/A | CET1 capital (to risk-weighted assets): | | | | | | | | | | Banc of California, Inc. | $ | 2,873,685 | | | 8.70% | | $ | 2,147,012 | | | 6.50% | | 7.00% | Banc of California | $ | 3,408,289 | | | 10.32% | | $ | 2,145,738 | | | 6.50% | | 7.00% | Tier I capital (to risk-weighted assets) | | | | | | | | | | Banc of California, Inc. | $ | 3,503,201 | | | 10.61% | | $ | 2,642,477 | | | 8.00% | | 8.50% | Banc of California | $ | 3,408,289 | | | 10.32% | | $ | 2,640,909 | | | 8.00% | | 8.50% | Total capital (to risk-weighted assets): | | | | | | | | | | Banc of California, Inc. | $ | 4,495,750 | | | 13.61% | | $ | 3,303,096 | | | 10.00% | | 10.50% | Banc of California | $ | 4,074,047 | | | 12.34% | | $ | 3,301,136 | | | 10.00% | | 10.50% |
|