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Regulatory Capital | 9 Months Ended
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Sep. 30, 2021
Banking and Thrift, Other Disclosures [Abstract] |
Regulatory Capital | Regulatory Capital As of September 30, 2021 and December 31, 2020, the Company exceeded all capital adequacy requirements to which it is subject. Actual capital amounts and ratios for the Company and its subsidiary Bank, as of September 30, 2021 and December 31, 2020 are presented in the following tables:
| Actual |  | Minimum Required for Capital Adequacy Purposes |  | For Capital Adequacy Purposes Plus Capital Conservation Buffer |  | Minimum to Be Well Capitalized Under Prompt Corrective Action Requirements(1)
September 30, 2021 | Amount | Ratio |  | Amount | Ratio |  | Amount | Ratio |  | Amount | Ratio
Total risk-based capital: |  |  |  |  |  |  |  |  |  |  |
Consolidated | $ | 1,642.0 |  | 14.00 | % |  | $ | 938.0 |  | 8.00 | % |  | $ | 1,231.1 |  | 10.50 | % |  | $ | 1,172.5 |  | 10.00 | %
FIB | 1,464.8 |  | 12.53 |  |  | 935.1 |  | 8.00 |  |  | 1,227.3 |  | 10.50 |  |  | 1,168.9 |  | 10.00 |
Tier 1 risk-based capital: |  |  |  |  |  |  |  |  |  |  |
Consolidated | 1,442.6 |  | 12.30 |  |  | 703.5 |  | 6.00 |  |  | 996.6 |  | 8.50 |  |  | 938.0 |  | 8.00 |
FIB | 1,365.4 |  | 11.68 |  |  | 701.3 |  | 6.00 |  |  | 993.5 |  | 8.50 |  |  | 935.1 |  | 8.00 |
Common equity tier 1 risk-based capital: |  |  |  |  |  |  |  |  |  |  |
Consolidated | 1,358.5 |  | 11.59 |  |  | 527.6 |  | 4.50 |  |  | 820.7 |  | 7.00 |  |  | 762.1 |  | 6.50 |
FIB | 1,365.4 |  | 11.68 |  |  | 526.0 |  | 4.50 |  |  | 818.2 |  | 7.00 |  |  | 759.8 |  | 6.50 |
Leverage capital ratio: |  |  |  |  |  |  |  |  |  |  |
Consolidated | 1,442.6 |  | 7.81 |  |  | 738.5 |  | 4.00 |  |  | 738.5 |  | 4.00 |  |  | 923.1 |  | 5.00 |
FIB | 1,365.4 |  | 7.41 |  |  | 737.2 |  | 4.00 |  |  | 737.2 |  | 4.00 |  |  | 921.5 |  | 5.00 |
| Actual |  | Minimum Required for Capital Adequacy Purposes |  | For Capital Adequacy Purposes Plus Capital Conservation Buffer |  | Minimum to Be Well Capitalized Under Prompt Corrective Action Requirements(1)
December 31, 2020 | Amount | Ratio |  | Amount | Ratio |  | Amount | Ratio |  | Amount | Ratio
Total risk-based capital: |  |  |  |  |  |  |  |  |  |  |
Consolidated | $ | 1,575.7 |  | 14.19 | % |  | $ | 888.3 |  | 8.00 | % |  | $ | 1,165.8 |  | 10.50 | % |  | $ | 1,110.3 |  | 10.00 | %
FIB | 1,426.8 |  | 12.89 |  |  | 885.6 |  | 8.00 |  |  | 1,162.3 |  | 10.50 |  |  | 1,107.0 |  | 10.00 |
Tier 1 risk-based capital: |  |  |  |  |  |  |  |  |  |  |
Consolidated | 1,369.0 |  | 12.33 |  |  | 666.2 |  | 6.00 |  |  | 943.8 |  | 8.50 |  |  | 888.3 |  | 8.00 |
FIB | 1,320.1 |  | 11.93 |  |  | 664.2 |  | 6.00 |  |  | 940.9 |  | 8.50 |  |  | 885.6 |  | 8.00 |
Common equity tier 1 risk-based capital: |  |  |  |  |  |  |  |  |  |  |
Consolidated | 1,284.9 |  | 11.57 |  |  | 499.6 |  | 4.50 |  |  | 777.2 |  | 7.00 |  |  | 721.7 |  | 6.50 |
FIB | 1,320.1 |  | 11.93 |  |  | 498.1 |  | 4.50 |  |  | 774.9 |  | 7.00 |  |  | 719.5 |  | 6.50 |
Leverage capital ratio: |  |  |  |  |  |  |  |  |  |  |
Consolidated | 1,369.0 |  | 8.16 |  |  | 671.0 |  | 4.00 |  |  | 671.0 |  | 4.00 |  |  | 838.7 |  | 5.00 |
FIB | 1,320.1 |  | 7.88 |  |  | 669.7 |  | 4.00 |  |  | 669.7 |  | 4.00 |  |  | 837.2 |  | 5.00 |
(1) The ratios for the requirements to be deemed “well-capitalized” are only applicable to FIB. However, the Company manages its capital position as if the requirements apply to the consolidated company and has presented the ratios as if they also applied on a consolidated basis.

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- Definition The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1F -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958575-112826 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)(2) -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1A -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958569-112826 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (a)(2) -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (a)(1) -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (e) -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1D -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958573-112826 + Details
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