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NOTICE OF CHANGE IN TERMS: Effective November 7, 2024, the agreements governing depository accounts are changing. For a complete copy of the newly amended Account Agreements, please speak to a service representative at any of our branches or call 859-253-6359 with any questions.

For the purpose of maintaining compliance with Regulation F, we are providing our correspondent customers with our Second Quarter 2023 Capital and Leverage Ratios.

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.78%

Common Equity Tier 1

6.50%

13.07%

Tier One Capital to Risk Weighted Assets

8.00%

13.07%

Total Capital to Risk Weighted Assets

10.00%

14.14%

As you can see, Central Bank continues to maintain the ratios to be considered a well-capitalized bank. Should you have any questions, please feel free to contact me at 1-800-432-0721.

Sincerely,

Doug Flynn
Correspondent Banking Officer

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.33%

Common Equity Tier 1

6.50%

13.16%

Tier One Capital to Risk Weighted Assets

8.00%

13.16%

Total Capital to Risk Weighted Assets

10.00%

14.27%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

9.70%

Common Equity Tier 1

6.50%

13.27%

Tier One Capital to Risk Weighted Assets

8.00%

13.27%

Total Capital to Risk Weighted Assets

10.00%

14.21%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

9.35%

Common Equity Tier 1

6.50%

13.95%

Tier One Capital to Risk Weighted Assets

8.00%

13.95%

Total Capital to Risk Weighted Assets

10.00%

14.91%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

9.31%

Common Equity Tier 1

6.50%

14.63%

Tier One Capital to Risk Weighted Assets

8.00%

14.63%

Total Capital to Risk Weighted Assets

10.00%

15.60%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

9.24%

Common Equity Tier 1

6.50%

15.08%

Tier One Capital to Risk Weighted Assets

8.00%

15.08%

Total Capital to Risk Weighted Assets

10.00%

16.08%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

9.47%

Common Equity Tier 1

6.50%

16.15%

Tier One Capital to Risk Weighted Assets

8.00%

16.15%

Total Capital to Risk Weighted Assets

10.00%

17.24%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

9.84%

Common Equity Tier 1

6.50%

15.91%

Tier One Capital to Risk Weighted Assets

8.00%

15.91%

Total Capital to Risk Weighted Assets

10.00%

17.02%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

9.81%

Common Equity Tier 1

6.50%

15.03%

Tier One Capital to Risk Weighted Assets

8.00%

15.03%

Total Capital to Risk Weighted Assets

10.00%

16.13%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.08%

Common Equity Tier 1

6.50%

15.36%

Tier One Capital to Risk Weighted Assets

8.00%

15.36%

Total Capital to Risk Weighted Assets

10.00%

16.52%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.24%

Common Equity Tier 1

6.50%

15.02%

Tier One Capital to Risk Weighted Assets

8.00%

15.02%

Total Capital to Risk Weighted Assets

10.00%

16.18%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.56%

Common Equity Tier 1

6.50%

15.57%

Tier One Capital to Risk Weighted Assets

8.00%

15.57%

Total Capital to Risk Weighted Assets

10.00%

16.69%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.45%

Common Equity Tier 1

6.50%

15.19%

Tier One Capital to Risk Weighted Assets

8.00%

15.19%

Total Capital to Risk Weighted Assets

10.00%

16.20%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

11.72%

Common Equity Tier 1

6.50%

14.34%

Tier One Capital to Risk Weighted Assets

8.00%

14.34%

Total Capital to Risk Weighted Assets

10.00%

15.22%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

11.57%

Common Equity Tier 1

6.50%

14.37%

Tier One Capital to Risk Weighted Assets

8.00%

14.37%

Total Capital to Risk Weighted Assets

10.00%

15.24%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

11.43%

Common Equity Tier 1

6.50%

13.74%

Tier One Capital to Risk Weighted Assets

8.00%

13.74%

Total Capital to Risk Weighted Assets

10.00%

14.62%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

11.50%

Common Equity Tier 1

6.50%

13.04%

Tier One Capital to Risk Weighted Assets

8.00%

13.04%

Total Capital to Risk Weighted Assets

10.00%

13.96%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

11.54%

Common Equity Tier 1

6.50%

12.95%

Tier One Capital to Risk Weighted Assets

8.00%

12.95%

Total Capital to Risk Weighted Assets

10.00%

13.85%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

11.07%

Common Equity Tier 1

6.50%

12.62%

Tier One Capital to Risk Weighted Assets

8.00%

12.62%

Total Capital to Risk Weighted Assets

10.00%

13.52%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.95%

Common Equity Tier 1

6.50%

12.46%

Tier One Capital to Risk Weighted Assets

8.00%

12.46%

Total Capital to Risk Weighted Assets

10.00%

13.40%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.88%

Common Equity Tier 1

6.50%

12.20%

Tier One Capital to Risk Weighted Assets

8.00%

12.20%

Total Capital to Risk Weighted Assets

10.00%

13.16%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.88%

Common Equity Tier 1

6.50%

12.13%

Tier One Capital to Risk Weighted Assets

8.00%

12.13%

Total Capital to Risk Weighted Assets

10.00%

13.10%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.83%

Common Equity Tier 1

6.50%

11.95%

Tier One Capital to Risk Weighted Assets

8.00%

11.95%

Total Capital to Risk Weighted Assets

10.00%

12.90%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.82%

Common Equity Tier 1

6.50%

12.27%

Tier One Capital to Risk Weighted Assets

8.00%

12.27%

Total Capital to Risk Weighted Assets

10.00%

13.32%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.78%

Common Equity Tier 1

6.50%

12.34%

Tier One Capital to Risk Weighted Assets

8.00%

12.34%

Total Capital to Risk Weighted Assets

10.00%

13.43%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.59%

Common Equity Tier 1

6.50%

12.16%

Tier One Capital to Risk Weighted Assets

8.00%

12.16%

Total Capital to Risk Weighted Assets

10.00%

13.24

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.44%

Common Equity Tier 1

6.50%

12.08%

Tier One Capital to Risk Weighted Assets

8.00%

12.08%

Total Capital to Risk Weighted Assets

10.00%

13.14%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.35%

Common Equity Tier 1

6.50%

12.65%

Tier One Capital to Risk Weighted Assets

8.00%

12.65%

Total Capital to Risk Weighted Assets

10.00%

13.81%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.40%

Common Equity Tier 1

6.50%

12.76%

Tier One Capital to Risk Weighted Assets

8.00%

12.76%

Total Capital to Risk Weighted Assets

10.00%

13.96%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.48%

Common Equity Tier 1

6.50%

12.53%

Tier One Capital to Risk Weighted Assets

8.00%

12.53%

Total Capital to Risk Weighted Assets

10.00%

13.73%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.41%

Common Equity Tier 1

6.50%

12.23%

Tier One Capital to Risk Weighted Assets

8.00%

12.23%

Total Capital to Risk Weighted Assets

10.00%

13.44%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.41%

Common Equity Tier 1

6.50%

12.64%

Tier One Capital to Risk Weighted Assets

8.00%

12.64%

Total Capital to Risk Weighted Assets

10.00%

13.89%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.19%

Common Equity Tier 1

6.50%

12.46%

Tier One Capital to Risk Weighted Assets

8.00%

12.46%

Total Capital to Risk Weighted Assets

10.00%

13.72%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

10.17%

Common Equity Tier 1

6.50%

12.23%

Tier One Capital to Risk Weighted Assets

8.00%

12.23%

Total Capital to Risk Weighted Assets

10.00%

13.48%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

9.87%

Tier One Capital to Risk Weighted Asset

6.00%

11.87%

Total Capital to Risk Weighted Assets

10.00%

13.12%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

9.80%

Tier One Capital to Risk Weighted Asset

6.00%

11.71%

Total Capital to Risk Weighted Assets

10.00%

12.96%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

9.69%

Tier One Capital to Risk Weighted Asset

6.00%

11.54%

Total Capital to Risk Weighted Assets

10.00%

12.79%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

9.35%

Tier One Capital to Risk Weighted Asset

6.00%

11.38%

Total Capital to Risk Weighted Assets

10.00%

12.63%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

9.31%

Tier One Capital to Risk Weighted Asset

6.00%

11.19%

Total Capital to Risk Weighted Assets

10.00%

12.44%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

9.00%

Tier One Capital to Risk Weighted Asset

6.00%

11.35%

Total Capital to Risk Weighted Assets

10.00%

12.60%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

9.04%

Tier One Capital to Risk Weighted Asset

6.00%

11.29%

Total Capital to Risk Weighted Assets

10.00%

12.54%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

8.99%

Tier One Capital to Risk Weighted Asset

6.00%

11.26%

Total Capital to Risk Weighted Assets

10.00%

12.52%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

8.71%

Tier One Capital to Risk Weighted Asset

6.00%

10.82%

Total Capital to Risk Weighted Assets

10.00%

12.08%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

8.60%

Tier One Capital to Risk Weighted Asset

6.00%

10.84%

Total Capital to Risk Weighted Assets

10.00%

12.10%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

8.71%

Tier One Capital to Risk Weighted Asset

6.00%

10.66%

Total Capital to Risk Weighted Assets

10.00%

11.92%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

8.51%

Tier One Capital to Risk Weighted Asset

6.00%

10.50%

Total Capital to Risk Weighted Assets

10.00%

11.75%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

8.39%

Tier One Capital to Risk Weighted Asset

6.00%

10.32%

Total Capital to Risk Weighted Assets

10.00%

11.58%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

8.44%

Tier One Capital to Risk Weighted Asset

6.00%

10.35%

Total Capital to Risk Weighted Assets

10.00%

11.60%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

8.50%

Tier One Capital to Risk Weighted Asset

6.00%

10.16%

Total Capital to Risk Weighted Assets

10.00%

11.14%

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

8.37%

Tier One Capital to Risk Weighted Asset

6.00%

9.89%

Total Capital to Risk Weighted Assets

10.00%

11.15%