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Regulatory Capital (Tables)
 9 Months Ended
Sep. 30, 2012
Capital Amounts and Ratios in Accordance With Current Banking Regulations

Capital amounts and ratios of HSBC USA Inc. and HSBC Bank USA, calculated in accordance with current banking regulations, are summarized in the following table.

 

     September 30, 2012     December 31, 2011  
     

Capital

Amount

     

Well-Capitalized

Minimum Ratio(1)

    

Actual

Ratio

    

Capital

Amount

     

Well-Capitalized

Minimum Ratio(1)

    

Actual

Ratio

  
     (dollars are in millions)  

Total capital ratio:

               

HSBC USA Inc.

    $ 20,262         10.00 %      19.20 %    $ 21,908         10.00 %      18.39 % 

HSBC Bank USA

      20,876         10.00        20.28        22,390         10.00        18.86   

Tier 1 capital ratio:

               

HSBC USA Inc.

      13,981         6.00        13.25        15,179         6.00        12.74   

HSBC Bank USA

      14,897         6.00        14.47        15,996         6.00        13.48   

Tier 1 common ratio:

               

HSBC USA Inc.

      11,574         5.00 (2)      10.97        12,773         5.00 (2)      10.72   

HSBC Bank USA

      14,897         5.00        14.47        15,996         5.00        13.48   

Tier 1 leverage ratio:

               

HSBC USA Inc.

      13,981         3.00 (3)      7.35        15,179         3.00 (3)      7.43   

HSBC Bank USA

      14,897         5.00        8.01        15,996         5.00        7.98   

Risk weighted assets:

               

HSBC USA Inc.

      105,534             119,099        

HSBC Bank USA

      102,938             118,688        

 

 

(1) 

HSBC USA Inc and HSBC Bank USA are categorized as “well-capitalized,” as defined by their principal regulators. To be categorized as well-capitalized under regulatory guidelines, a banking institution must have the minimum ratios reflected in the above table, and must not be subject to a directive, order, or written agreement to meet and maintain specific capital levels.

 

(2) 

There is no Tier 1 common ratio component in the definition of a well-capitalized bank holding company. The ratio shown is the required minimum Tier 1 common ratio as included in the Federal Reserve Board’s final rule regarding capital plans for U.S. bank holding companies with total consolidated assets of $50 billion or more.

 

(3) 

There is no Tier 1 leverage ratio component in the definition of a well-capitalized bank holding company. The ratio shown is the minimum required ratio.