Regulatory Matters (Tables)

6 Months Ended

Jun. 30, 2012

Actual capital levels and minimum required levels

Actual capital levels and minimum required levels from June 30, 2012 and December 31, 2011 were as follows:


	June 30, 2012
	Actual					Minimum Required for Capital Adequacy Purposes					To Be Well Capitalized Under Prompt Corrective Action Regulations					Minimum Required Under Regulatory Agreements
($ in millions)	Amount		Ratio			Amount		Ratio			Amount		Ratio			Amount		Ratio
Total capital (to risk-weighted assets)
Consolidated	$	74,145		69.04	%	$	8,591		8.0	%	$	10,739		10.0	%	$	—		NA
Service1st Bank	$	29,800		35.98	%	$	6,626		8.0	%	$	8,282		10.0	%	$	9,939		12.0	%
Tier 1 capital (to risk-weighted assets)
Consolidated	$	73,089		68.06	%	$	4,296		4.0	%	$	6,444		6.0	%	$	—		NA
Service1st Bank	$	28,743		34.70	%	$	3,313		4.0	%	$	4,969		6.0	%	$	—		NA
Tier 1 capital (to average assets)
Consolidated	$	73,089		36.56	%	$	7,998		4.0	%	$	9,997		5.0	%	$	—		NA
Service1st Bank	$	28,743		16.33	%	$	7,041		4.0	%	$	8,802		5.0	%	$	17,603		10.0	%


	December 31, 2011
	Actual					Minimum Required for Capital Adequacy Purposes					To Be Well Capitalized Under Prompt Corrective Action Regulations					Minimum Required Under Regulatory Agreements
($ in millions)	Amount		Ratio			Amount		Ratio			Amount		Ratio			Amount		Ratio
Total capital (to risk-weighted assets)
Consolidated	$	76,676		71.58	%	$	8,569		8.0	%	$	10,712		10.0	%	$	—		NA
Service1st Bank	$	30,570		29.67	%	$	8,244		8.0	%	$	10,305		10.0	%	$	12,366		12.0	%
Tier 1 capital (to risk-weighted assets)
Consolidated	$	75,366		70.36	%	$	4,285		4.0	%	$	6,427		6.0	%	$	—		NA
Service1st Bank	$	29,260		28.39	%	$	4.122		4.0	%	$	6,183		6.0	%	$	—		NA
Tier 1 capital (to average assets)
Consolidated	$	75,366		34.77	%	$	8,671		4.0	%	$	10,839		5.0	%	$	—		NA
Service1st Bank	$	29,260		14.42	%	$	8,119		4.0	%	$	10,149		5.0	%	$	20,297		10.0	%

During the application process for acquisition of Service1st by WLBC, we made a commitment to the FDIC to maintain the Tier 1 leverage capital ratio of Service1st at 10% or greater until October 28, 2013. The Consent Order that Service1st Bank agreed to in September of 2012, was terminated effective October 31, 2011 and Service1st now has an informal understanding with the FDIC that Service1st must maintain leverage capital of at least 8.5%.

- Definition

Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.

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