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 | September 30, 2022 | | | | | | | | | | | | | PCB Bancorp | | | | | | | | | | | | | Common tier 1 capital (to risk-weighted assets) | | $ | 274,134 | | | 13.69 | % | | $ | 90,114 | | | 4.5 | % | | N/A | | N/A | Total capital (to risk-weighted assets) | | 367,278 | | | 18.34 | % | | 160,202 | | | 8.0 | % | | N/A | | N/A | Tier 1 capital (to risk-weighted assets) | | 343,275 | | | 17.14 | % | | 120,152 | | | 6.0 | % | | N/A | | N/A | Tier 1 capital (to average assets) | | 343,275 | | | 14.74 | % | | 93,152 | | | 4.0 | % | | N/A | | N/A | PCB Bank | | | | | | | | | | | | | Common tier 1 capital (to risk-weighted assets) | | $ | 336,853 | | | 16.82 | % | | $ | 90,111 | | | 4.5 | % | | $ | 130,160 | | | 6.5 | % | Total capital (to risk-weighted assets) | | 360,856 | | | 18.02 | % | | 160,196 | | | 8.0 | % | | 200,246 | | | 10.0 | % | Tier 1 capital (to risk-weighted assets) | | 336,853 | | | 16.82 | % | | 120,147 | | | 6.0 | % | | 160,196 | | | 8.0 | % | Tier 1 capital (to average assets) | | 336,853 | | | 14.47 | % | | 93,149 | | | 4.0 | % | | 116,436 | | | 5.0 | % | December 31, 2021 | | | | | | | | | | | | | PCB Bancorp | | | | | | | | | | | | | Common tier 1 capital (to risk-weighted assets) | | $ | 255,650 | | | 14.79 | % | | $ | 77,762 | | | 4.5 | % | | N/A | | N/A | Total capital (to risk-weighted assets) | | 277,263 | | | 16.04 | % | | 138,244 | | | 8.0 | % | | N/A | | N/A | Tier 1 capital (to risk-weighted assets) | | 255,650 | | | 14.79 | % | | 103,683 | | | 6.0 | % | | N/A | | N/A | Tier 1 capital (to average assets) | | 255,650 | | | 12.11 | % | | 84,445 | | | 4.0 | % | | N/A | | N/A | PCB Bank | | | | | | | | | | | | | Common tier 1 capital (to risk-weighted assets) | | $ | 250,145 | | | 14.48 | % | | $ | 77,761 | | | 4.5 | % | | $ | 112,321 | | | 6.5 | % | Total capital (to risk-weighted assets) | | 271,757 | | | 15.73 | % | | 138,241 | | | 8.0 | % | | 172,801 | | | 10.0 | % | Tier 1 capital (to risk-weighted assets) | | 250,145 | | | 14.48 | % | | 103,681 | | | 6.0 | % | | 138,241 | | | 8.0 | % | Tier 1 capital (to average assets) | | 250,145 | | | 11.85 | % | | 84,443 | | | 4.0 | % | | 105,554 | | | 5.0 | % | | | | | | | | | | | | | |
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