Regulatory Requirements

Minimum for Capital

Minimum to Be

Actual

Adequacy Purposes⁽¹⁾

Well Capitalized

Amount

Ratio

Amount

Ratio

Amount

Ratio

Provident Savings Bank, F.S.B.:

As of June 30, 2022

Tier 1 leverage capital (to adjusted average assets)

$

124,871

10.47

%

$

47,699

4.00

%

$

59,624

5.00

%

CET1 capital (to risk-weighted assets)

$

124,871

19.58

%

$

44,653

7.00

%

$

41,463

6.50

%

Tier 1 capital (to risk-weighted assets)

$

124,871

19.58

%

$

54,221

8.50

%

$

51,032

8.00

%

Total capital (to risk-weighted assets)

$

130,565

20.47

%

$

66,979

10.50

%

$

63,790

10.00

%

As of June 30, 2021

Tier 1 leverage capital (to adjusted average assets)

$

121,621

10.19

%

$

47,736

4.00

%

$

59,670

5.00

%

CET1 capital (to risk-weighted assets)

$

121,621

18.58

%

$

45,816

7.00

%

$

42,544

6.50

%

Tier 1 capital (to risk-weighted assets)

$

121,621

18.58

%

$

55,634

8.50

%

$

52,361

8.00

%

Total capital (to risk-weighted assets)

$

129,335

19.76

%

$

68,724

10.50

%

$

65,452

10.00

%