Regulatory Requirements (Tables)

6 Months Ended

Jun. 30, 2012

The regulatory capital and ratios for Schwab Bank at June 30, 2012, are as follows:


	Actual					Minimum Capital Requirement					Minimum to be Well Capitalized
	Amount		Ratio			Amount		Ratio			Amount		Ratio
Tier 1 Risk-Based Capital	$	5,431		22.1	%	$	985		4.0	%	$	1,477		6.0	%
Total Risk-Based Capital	$	5,479		22.3	%	$	1,970		8.0	%	$	2,462		10.0	%
Tier 1 Leverage	$	5,431		7.6	%	$	2,876		4.0	%	$	3,595		5.0	%
Tangible Equity	$	5,431		7.6	%	$	1,438		2.0	%		N/A

N/A Not applicable.

Net Capital and Net Capital Requirements for Schwab and optionsXpress, Inc.

Net capital and net capital requirements for Schwab and optionsXpress, Inc. at June 30, 2012, are as follows:


	Net Capital		% of Aggregate Debit Balances			Minimum Net Capital Required		2% of Aggregate Debit Balances		Net Capital in Excess of Required Net Capital		Net Capital in Excess of 5% of Aggregate Debit Balances
Schwab	$	1,440		11	%	$	0.250	$	263	$	1,177	$	781
optionsXpress, Inc.	$	71		30	%	$	1	$	5	$	66	$	59

- Definition

Tabular disclosure of computation of net capital under the SEC Regulations which may include a reconciliation (including appropriate explanations) if material differences exist between the computations made by the independent auditor based on the audited financial statements and the broker-dealer's original unaudited Part II or IIA filing, a statement that a reconciliation is not necessary if no material differences exist between the computations made by the independent auditor based on the audited financial statements and the broker-dealer's unaudited Part II or IIA filing, when different, total assets and total liabilities, as reported in the statement of financial condition, are reconciled to the total current assets and total liabilities, respectively, as reported in the statement of computation of minimum net capital. Disclosure may also include stockholder's equity, stockholders' equity not allowable for net capital, stockholders' equity qualified for net capital, subordinated borrowings allowable in computation of net capital, other deductions or allowable credits and total capital and allowable subordinated borrowings.

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- Definition

Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.

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