Schedule of Regulatory Capital Amounts and Ratios |
The following table presents the regulatory capital amounts and ratios for the Company and the Bank as of dates indicated: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | Minimum Capital Requirement | | To Be Well Capitalized Under Prompt Corrective Provisions | ($ in thousands) | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | June 30, 2021 | | | | | | | | | | | | | PCB Bancorp | | | | | | | | | | | | | Common tier 1 capital (to risk-weighted assets) | | $ | 237,212 | | | 15.17 | % | | $ | 70,351 | | | 4.5 | % | | N/A | | N/A | Total capital (to risk-weighted assets) | | 256,823 | | | 16.43 | % | | 125,069 | | | 8.0 | % | | N/A | | N/A | Tier 1 capital (to risk-weighted assets) | | 237,212 | | | 15.17 | % | | 93,802 | | | 6.0 | % | | N/A | | N/A | Tier 1 capital (to average assets) | | 237,212 | | | 11.76 | % | | 80,673 | | | 4.0 | % | | N/A | | N/A | Pacific City Bank | | | | | | | | | | | | | Common tier 1 capital (to risk-weighted assets) | | $ | 232,575 | | | 14.88 | % | | $ | 70,349 | | | 4.5 | % | | $ | 101,615 | | | 6.5 | % | Total capital (to risk-weighted assets) | | 252,185 | | | 16.13 | % | | 125,064 | | | 8.0 | % | | 156,330 | | | 10.0 | % | Tier 1 capital (to risk-weighted assets) | | 232,575 | | | 14.88 | % | | 93,798 | | | 6.0 | % | | 125,064 | | | 8.0 | % | Tier 1 capital (to average assets) | | 232,575 | | | 11.53 | % | | 80,670 | | | 4.0 | % | | 100,838 | | | 5.0 | % | December 31, 2020 | | | | | | | | | | | | | PCB Bancorp | | | | | | | | | | | | | Common tier 1 capital (to risk-weighted assets) | | $ | 231,183 | | | 15.97 | % | | $ | 65,162 | | | 4.5 | % | | N/A | | N/A | Total capital (to risk-weighted assets) | | 249,391 | | | 17.22 | % | | 115,843 | | | 8.0 | % | | N/A | | N/A | Tier 1 capital (to risk-weighted assets) | | 231,183 | | | 15.97 | % | | 86,882 | | | 6.0 | % | | N/A | | N/A | Tier 1 capital (to average assets) | | 231,183 | | | 11.94 | % | | 77,452 | | | 4.0 | % | | N/A | | N/A | Pacific City Bank | | | | | | | | | | | | | Common tier 1 capital (to risk-weighted assets) | | $ | 227,268 | | | 15.70 | % | | $ | 65,160 | | | 4.5 | % | | $ | 94,120 | | | 6.5 | % | Total capital (to risk-weighted assets) | | 245,474 | | | 16.95 | % | | 115,840 | | | 8.0 | % | | 144,800 | | | 10.0 | % | Tier 1 capital (to risk-weighted assets) | | 227,268 | | | 15.70 | % | | 86,880 | | | 6.0 | % | | 115,840 | | | 8.0 | % | Tier 1 capital (to average assets) | | 227,268 | | | 11.74 | % | | 77,450 | | | 4.0 | % | | 96,813 | | | 5.0 | % | | | | | | | | | | | | | |
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