v3.23.2

Regulatory Requirements (Tables)

6 Months Ended

Jun. 30, 2023

Regulated Operations [Abstract]

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations

The following table summarizes the Company’s regulatory capital amounts (in millions) and ratios:

LendingClub			June 30, 2023												December 31, 2022												Required Minimum plus Required CCB for Non-Leverage Ratios
			Amount						Ratio						Amount						Ratio
CET1 capital (1)			$	1,053.5					16.1		%				$	1,005.8					15.8		%				7.0		%
Tier 1 capital			$	1,053.5					16.1		%				$	1,005.8					15.8		%				8.5		%
Total capital			$	1,138.3					17.4		%				$	1,088.1					17.1		%				10.5		%
Tier 1 leverage			$	1,053.5					12.4		%				$	1,005.8					14.1		%				4.0		%
Risk-weighted assets			$	6,526.5					N/A						$	6,360.7					N/A						N/A
Quarterly adjusted average assets			$	8,522.6					N/A						$	7,119.0					N/A						N/A

N/A – Not applicable

(1)     Consists of common stockholders’ equity as defined under U.S. GAAP and certain adjustments made in accordance with regulatory capital guidelines, including the addition of the CECL transitional benefit and deductions for goodwill and other intangible assets.

The following table summarizes LC Bank’s regulatory capital amounts (in millions) and ratios:

LendingClub Bank			June 30, 2023												December 31, 2022												Required Minimum plus Required CCB for Non-Leverage Ratios
			Amount						Ratio						Amount						Ratio
CET1 capital (1)			$	939.3					14.7		%				$	852.2					13.8		%				7.0		%
Tier 1 capital			$	939.3					14.7		%				$	852.2					13.8		%				8.5		%
Total capital			$	1,022.6					16.0		%				$	932.4					15.1		%				10.5		%
Tier 1 leverage			$	939.3					11.3		%				$	852.2					12.5		%				4.0		%
Risk-weighted assets			$	6,406.5					N/A						$	6,194.0					N/A						N/A
Quarterly adjusted average assets			$	8,300.0					N/A						$	6,795.2					N/A						N/A

N/A – Not applicable

(1)     Consists of common stockholders’ equity as defined under U.S. GAAP and certain adjustments made in accordance with regulatory capital guidelines, including the addition of the CECL transitional benefit and deductions for goodwill and other intangible assets.

X

- References

No definition available.

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X

- 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
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480696/942-505-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480696/942-505-50-1B

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