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Regulatory Capital (Tables) | 3 Months Ended
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Mar. 31, 2023
Banking and Thrift, Other Disclosure [Abstract] |
Schedule of Compliance with Regulatory Capital Requirements Under Banking Regulations | At March 31, 2023, the adjusted transition amounts that were deferred and are being phased in for regulatory capital purposes are as follows:
|  | Adjusted Transition Amounts |  | Phase-In Amounts for the Year Ended |  | Phase-In Amounts for the Three Months Ended |  | Remaining Adjusted Transition Amounts to be Phased-In
(Dollars in thousands) |  | December 31, 2021 |  | December 31, 2022 |  | March 31, 2023 |  | March 31, 2023
Retained earnings |  | $ | 836,351 |  |  | $ | (209,088) |  |  | $ | (209,088) |  |  | $ | 418,175 |
Allowance for credit losses |  | 1,038,145 |  |  | (259,536) |  |  | (259,536) |  |  | 519,073 |
Liability for unfunded commitments |  | 104,377 |  |  | (26,094) |  |  | (26,094) |  |  | 52,189 |
Deferred tax asset |  | 306,171 |  |  | (76,542) |  |  | (76,542) |  |  | 153,087 |
The Bank’s required and actual regulatory capital amounts and ratios under U.S. Basel III are shown in the following table. The following capital amounts and ratios are based upon the Bank’s average assets and risk-weighted assets, as indicated. The Bank has elected to exclude accumulated other comprehensive income related to both available-for-sale investments and swap valuations from Common Equity Tier 1 Capital. At March 31, 2023 and December 31, 2022, the unrealized loss on available-for-sale investments included in other comprehensive income totaled $133 million and $160 million, respectively. The capital ratios would remain above the well capitalized thresholds if the unrealized loss became fully recognized into capital.
(Dollars in thousands) |  | Actual |  | U.S. Basel III Minimum Requirements Plus Buffer(1)(2)
| Amount | Ratio |  | Amount |  | Ratio
As of March 31, 2023(3): |  |  |  |  |  |  |
Common Equity Tier 1 Capital (to Risk-Weighted Assets) |  | $ | 2,979,433 |  | 12.0 | % |  | $ | 1,738,576 |  | > | 7.0 | %
Tier 1 Capital (to Risk-Weighted Assets) |  | $ | 2,979,433 |  | 12.0 | % |  | $ | 2,111,128 |  | > | 8.5 | %
Total Capital (to Risk-Weighted Assets) |  | $ | 3,297,674 |  | 13.3 | % |  | $ | 2,607,863 |  | > | 10.5 | %
Tier 1 Capital (to Average Assets) |  | $ | 2,979,433 |  | 10.0 | % |  | $ | 1,188,369 |  | > | 4.0 | %
As of December 31, 2022(3): |  |  |  |  |  |  |
Common Equity Tier 1 Capital (to Risk-Weighted Assets) |  | $ | 3,040,662 |  | 12.9 | % |  | $ | 1,645,807 |  | > | 7.0 | %
Tier 1 Capital (to Risk-Weighted Assets) |  | $ | 3,040,662 |  | 12.9 | % |  | $ | 1,998,480 |  | > | 8.5 | %
Total Capital (to Risk-Weighted Assets) |  | $ | 3,338,645 |  | 14.2 | % |  | $ | 2,468,711 |  | > | 10.5 | %
Tier 1 Capital (to Average Assets) |  | $ | 3,040,662 |  | 10.3 | % |  | $ | 1,185,280 |  | > | 4.0 | %
(1) Reflects the U.S. Basel III minimum required ratio plus the applicable capital conservation buffer. (2) The Bank’s regulatory capital ratios also exceeded all applicable standards for the Bank to qualify as “well capitalized” under the prompt corrective action framework. (3) For both March 31, 2023 and December 31, 2022, the actual amounts and the actual ratios include the adjusted transition amounts discussed above that were phased in at the beginning of 2022 and 2023.

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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. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1B -URI https://asc.fasb.org/extlink&oid=117337116&loc=SL5958570-112826 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (c)(1) -URI https://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 + Details
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