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Capital Requirements (Tables)

12 Months Ended

Dec. 31, 2020

Capital Requirements

Schedule of actual capital and required amounts and ratios


								Required For
								Capital
								Adequacy
								Purposes
		Actual						Under Basel III
		Amount			Ratio			Amount			Ratio⁽¹⁾

		(Dollars in thousands)
As of December 31, 2020
Total Capital		$	483,870		16.5	%		$	307,067		10.5	%
(to risk-weighted assets)
Tier 1 Capital		$	410,307		14.0	%		$	248,578		8.5	%
(to risk-weighted assets)
Common Equity Tier 1 Capital		$	410,307		14.0	%		$	204,711		7.0	%
(to risk-weighted assets)
Tier 1 Capital		$	410,307		9.1	%		$	180,281		4.0	%
(to average assets)

(1)	Includes 2.5% capital conservation buffer, except the Tier 1 Capital to average assets ratio.


								Required For
								Capital
								Adequacy
								Purposes
		Actual						Under Basel III
		Amount			Ratio			Amount			Ratio⁽¹⁾

			(Dollars in thousands)
As of December 31, 2019
Total Capital		$	457,158		14.6	%		$	329,306		10.5	%
(to risk-weighted assets)
Tier 1 Capital		$	393,432		12.5	%		$	266,581		8.5	%
(to risk-weighted assets)
Common Equity Tier 1 Capital		$	393,432		12.5	%		$	219,538		7.0	%
(to risk-weighted assets)
Tier 1 Capital		$	393,432		9.7	%		$	161,677		4.0	%
(to average assets)

(1)	Includes 2.5% capital conservation buffer, except the Tier 1 Capital to average assets ratio.

HBC (Wholly-owned Subsidiary)

Capital Requirements

Schedule of actual capital and required amounts and ratios


														Required For
														Capital
								To Be Well-Capitalized						Adequacy
								Under Basel III PCA Regulatory						Purposes
		Actual						Requirements						Under Basel III
		Amount			Ratio			Amount			Ratio			Amount			Ratio⁽¹⁾

		(Dollars in thousands)
As of December 31, 2020
Total Capital		$	461,933		15.8	%		$	292,258		10.0	%		$	306,871		10.5	%
(to risk-weighted assets)
Tier 1 Capital		$	428,109		14.6	%		$	233,806		8.0	%		$	248,419		8.5	%
(to risk-weighted assets)
Common Equity Tier 1 Capital		$	428,109		14.6	%		$	189,968		6.5	%		$	204,580		7.0	%
(to risk-weighted assets)
Tier 1 Capital		$	428,109		9.5	%		$	225,263		5.0	%		$	180,211		4.0	%
(to average assets)

(1)	Includes 2.5% capital conservation buffer, except the Tier 1 Capital to average assets ratio.


														Required For
														Capital
								To Be Well-Capitalized						Adequacy
								Under Basel III PCA Regulatory						Purposes
		Actual						Requirements						Under Basel III
		Amount			Ratio			Amount			Ratio			Amount			Ratio⁽¹⁾

			(Dollars in thousands)
As of December 31, 2019
Total Capital		$	435,757		13.9	%		$	313,485		10.0	%		$	329,159		10.5	%
(to risk-weighted assets)
Tier 1 Capital		$	411,585		13.1	%		$	250,788		8.0	%		$	266,462		8.5	%
(to risk-weighted assets)
Common Equity Tier 1 Capital		$	411,585		13.1	%		$	203,765		6.5	%		$	219,439		7.0	%
(to risk-weighted assets)
Tier 1 Capital		$	411,585		10.2	%		$	202,013		5.0	%		$	161,611		4.0	%
(to average assets)

(1)	Includes 2.5% capital conservation buffer, except the Tier 1 Capital to average assets.