| Schedule of Bank Capital Amount and Ratio |
The Company and the Bank’s capital amounts and ratios are also presented in the following table at December 31, 2017 and 2016 (dollars in thousands): | | | | | | | | | | | | | | | | | | | | | | Actual | | Required for Capital Adequacy Purposes | | Required in Order to Be Well Capitalized Under PCA | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | As of December 31, 2017 | | | |
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| | |
| | |
| | |
| Common equity Tier 1 capital to risk weighted assets: | |
| | |
| | |
| | |
| | |
| | |
| Consolidated | $ | 737,204 |
| | 9.04 | % | | $ | 367,073 |
| | 4.50 | % | | NA |
| | NA |
| Union Bank & Trust | 947,432 |
| | 11.66 | % | | 365,616 |
| | 4.50 | % | | 528,111 |
| | 6.50 | % | Tier 1 capital to risk weighted assets: | |
| | |
| | |
| | |
| | |
| | |
| Consolidated | 826,979 |
| | 10.14 | % | | 489,428 |
| | 6.00 | % | | NA |
| | NA |
| Union Bank & Trust | 947,432 |
| | 11.66 | % | | 487,488 |
| | 6.00 | % | | 649,983 |
| | 8.00 | % | Total capital to risk weighted assets: | |
| | |
| | |
| | |
| | |
| | |
| Consolidated | 1,013,788 |
| | 12.43 | % | | 652,573 |
| | 8.00 | % | | NA |
| | NA |
| Union Bank & Trust | 986,040 |
| | 12.14 | % | | 649,983 |
| | 8.00 | % | | 812,478 |
| | 10.00 | % | Tier 1 capital to average adjusted assets: | |
| | |
| | |
| | |
| | |
| | |
| Consolidated | 826,979 |
| | 9.42 | % | | 351,230 |
| | 4.00 | % | | NA |
| | NA |
| Union Bank & Trust | 947,432 |
| | 10.82 | % | | 350,126 |
| | 4.00 | % | | 437,657 |
| | 5.00 | % | As of December 31, 2016 | |
| | |
| | |
| | |
| | |
| | |
| Common equity Tier 1 capital to risk weighted assets: | | | | | | | | | | | | Consolidated | $ | 699,728 |
| | 9.72 | % | | $ | 324,035 |
| | 4.50 | % | | NA |
| | NA |
| Union Bank & Trust | 901,783 |
| | 12.58 | % | | 322,531 |
| | 4.50 | % | | 465,878 |
| | 6.50 | % | Tier 1 capital to risk weighted assets: | |
| | |
| | |
| | |
| | |
| | |
| Consolidated | 790,228 |
| | 10.97 | % | | 432,047 |
| | 6.00 | % | | NA |
| | NA |
| Union Bank & Trust | 901,783 |
| | 12.58 | % | | 430,042 |
| | 6.00 | % | | 573,389 |
| | 8.00 | % | Total capital to risk weighted assets: | |
| | |
| | |
| | |
| | |
| | |
| Consolidated | 976,145 |
| | 13.56 | % | | 576,062 |
| | 8.00 | % | | NA |
| | NA |
| Union Bank & Trust | 939,700 |
| | 13.11 | % | | 573,390 |
| | 8.00 | % | | 716,737 |
| | 10.00 | % | Tier 1 capital to average adjusted assets: | |
| | |
| | |
| | |
| | |
| | |
| Consolidated | 790,228 |
| | 9.87 | % | | 320,316 |
| | 4.00 | % | | NA |
| | NA |
| Union Bank & Trust | 901,783 |
| | 11.31 | % | | 319,046 |
| | 4.00 | % | | 398,807 |
| | 5.00 | % |
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