Deputy Seminar, Chicago, IL

Total Risk Based Capital Ratio

23%

21%

Q4 2017, 19.09%

19%

Q4 2017, 19.08%

17%

Q1 2018, 11.70%

15%

Q2 2016, 11.05% FDIC Exam

Q4 2014, 11.62% STATE Exam

Q4 2017, 11.06% STATE Exam

13%

11%

9%

1/1/2019 - Min. Total Capital Ratio Plus Conservation Buffer increases to 10.50%

Q3 2008, 9.20% Merger with another bank

7%

5%

Bank

State

FDIC Community Banks

Figure—7