| Schedule of Regulatory Standards for Well Capitalized Institutions and Capital Ratios |
The following table presents the regulatory standards for well-capitalized institutions and the capital ratios for FFI and the Bank as of:
|
|
|
Actual |
|
|
For Capital
Adequacy Purposes |
|
|
To Be Well-Capitalized
Under Prompt Corrective
Action Provisions |
|
|
(dollars in thousands) |
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
FFI |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2017 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital ratio |
|
$ |
366,236 |
|
|
|
11.99 |
% |
|
$ |
137,435 |
|
|
|
4.50 |
% |
|
|
|
|
|
|
|
|
|
Tier 1 leverage ratio |
|
|
366,236 |
|
|
|
8.44 |
% |
|
|
173,514 |
|
|
|
4.00 |
% |
|
|
|
|
|
|
|
|
|
Tier 1 risk-based capital ratio |
|
|
366,236 |
|
|
|
11.99 |
% |
|
|
183,246 |
|
|
|
6.00 |
% |
|
|
|
|
|
|
|
|
|
Total risk-based capital ratio |
|
|
385,236 |
|
|
|
12.61 |
% |
|
|
244,328 |
|
|
|
8.00 |
% |
|
|
|
|
|
|
|
|
|
December 31, 2016 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital ratio |
|
$ |
285,754 |
|
|
|
12.80 |
% |
|
$ |
100,432 |
|
|
|
4.50 |
% |
|
|
|
|
|
|
|
|
|
Tier 1 leverage ratio |
|
|
285,754 |
|
|
|
8.76 |
% |
|
|
130,525 |
|
|
|
4.00 |
% |
|
|
|
|
|
|
|
|
|
Tier 1 risk-based capital ratio |
|
|
285,754 |
|
|
|
12.80 |
% |
|
|
133,910 |
|
|
|
6.00 |
% |
|
|
|
|
|
|
|
|
|
Total risk-based capital ratio |
|
|
301,664 |
|
|
|
13.52 |
% |
|
|
178,547 |
|
|
|
8.00 |
% |
|
|
|
|
|
|
|
|
|
BANK |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2017 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital ratio |
|
$ |
398,709 |
|
|
|
13.07 |
% |
|
$ |
137,290 |
|
|
|
4.50 |
% |
|
$ |
198,308 |
|
|
|
6.50 |
% |
|
Tier 1 leverage ratio |
|
|
398,709 |
|
|
|
9.20 |
% |
|
|
173,363 |
|
|
|
4.00 |
% |
|
|
216,703 |
|
|
|
5.00 |
% |
|
Tier 1 risk-based capital ratio |
|
|
398,709 |
|
|
|
13.07 |
% |
|
|
183,053 |
|
|
|
6.00 |
% |
|
|
244,071 |
|
|
|
8.00 |
% |
|
Total risk-based capital ratio |
|
|
417,709 |
|
|
|
13.69 |
% |
|
|
244,071 |
|
|
|
8.00 |
% |
|
|
305,089 |
|
|
|
10.00 |
% |
|
December 31, 2016 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CET1 capital ratio |
|
$ |
272,221 |
|
|
|
12.23 |
% |
|
$ |
100,166 |
|
|
|
4.50 |
% |
|
$ |
144,685 |
|
|
|
6.50 |
% |
|
Tier 1 leverage ratio |
|
|
272,221 |
|
|
|
8.36 |
% |
|
|
130,305 |
|
|
|
4.00 |
% |
|
|
162,881 |
|
|
|
5.00 |
% |
|
Tier 1 risk-based capital ratio |
|
|
272,221 |
|
|
|
12.23 |
% |
|
|
133,555 |
|
|
|
6.00 |
% |
|
|
178,074 |
|
|
|
8.00 |
% |
|
Total risk-based capital ratio |
|
|
288,131 |
|
|
|
12.94 |
% |
|
|
178,074 |
|
|
|
8.00 |
% |
|
|
222,592 |
|
|
|
10.00 |
% |
|