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, 2023

Tier 1 leverage capital (to adjusted average assets)

$

125,979

9.59

%

$

52,521

4.00

%

$

65,651

5.00

%

CET1 capital (to risk-weighted assets)

$

125,979

18.50

%

$

47,674

7.00

%

$

44,269

6.50

%

Tier 1 capital (to risk-weighted assets)

$

125,979

18.50

%

$

57,890

8.50

%

$

54,485

8.00

%

Total capital (to risk-weighted assets)

$

131,967

19.38

%

$

71,511

10.50

%

$

68,106

10.00

%

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

%