GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Live Oak Bancshares Inc (NYSE:LOB) » Definitions » Capital Adequacy Tier - Total Capital Ratio %

Live Oak Bancshares (Live Oak Bancshares) Capital Adequacy Tier - Total Capital Ratio % : 13.15% (As of Mar. 2024)


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What is Live Oak Bancshares Capital Adequacy Tier - Total Capital Ratio %?

Capital Adequacy Tier - Total Capital Ratio % is the ratio of a bank’s total capital, which includes both Tier 1 capital and Tier 2 capital, to its total risk-weighted assets. It is used to protect depositors and promote the stability and efficiency of financial systems around the world.

Live Oak Bancshares's Capital Adequacy Tier - Total Capital Ratio % for the quarter that ended in Mar. 2024 was 13.15% , which is higher than 0.00% for the pervious quarter ended in Dec. 2023.

Live Oak Bancshares's Capital Adequacy Tier - Total Capital Ratio % for the annual that ended in Dec. 2023 was 12.98% , which is lower than 13.73% for the pervious year ended in Dec. 2022.

The historical rank and industry rank for Live Oak Bancshares's Capital Adequacy Tier - Total Capital Ratio % or its related term are showing as below:

LOB's Capital Adequacy Tier - Total Capital Ratio % is not ranked *
in the Banks industry.
Industry Median:
* Ranked among companies with meaningful Capital Adequacy Tier - Total Capital Ratio % only.

Live Oak Bancshares Capital Adequacy Tier - Total Capital Ratio % Historical Data

The historical data trend for Live Oak Bancshares's Capital Adequacy Tier - Total Capital Ratio % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Live Oak Bancshares Capital Adequacy Tier - Total Capital Ratio % Chart

Live Oak Bancshares Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23
Capital Adequacy Tier - Total Capital Ratio %
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Capital Adequacy Tier - Tier 1 Ratio %
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Capital Adequacy Tier - Leverage Ratio %
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Efficiency Overhead Ratio %
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Net Charge Offs to Average Loans %
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Live Oak BancsharesQuarterly Data
Trend Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Capital Adequacy Tier - Total Capital Ratio %
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Capital Adequacy Tier - Tier 1 Ratio %
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Capital Adequacy Tier - Leverage Ratio %
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Efficiency Overhead Ratio %
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Net Charge Offs to Average Loans %
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Competitive Comparison of Live Oak Bancshares's Capital Adequacy Tier - Total Capital Ratio %

For the Banks - Regional subindustry, Live Oak Bancshares's Capital Adequacy Tier - Total Capital Ratio %, along with its competitors' market caps and Capital Adequacy Tier - Total Capital Ratio % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Live Oak Bancshares  (NYSE:LOB) Capital Adequacy Tier - Total Capital Ratio % Calculation

Capital Adequacy Tier - Total Capital Ratio % is calculated as

Capital Adequacy Tier - Total Capital Ratio %=Total Capital / Total Risk Weighted Assets

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Live Oak Bancshares  (NYSE:LOB) Capital Adequacy Tier - Total Capital Ratio % Explanation

A bank’s total capital includes Tier 1 capital and Tier 2 capital. Tier 1 capital, or core capital, consists of common stock, retained earnings, accumulated other comprehensive income, noncumulative perpetual preferred stock and any regulatory adjustments to those accounts. Tier 1 capital is the capital that is permanently and easily available to cushion losses suffered by a bank without it being required to stop operating.

Tier 2 capital consists of unaudited retained earnings, unaudited reserves and general loss reserves. It is used to absorb losses if a bank loses all its Tier 1 capital, so it provides a lesser degree of protection to depositors and creditors.

Capital Adequacy Tier - Total Capital Ratio % measures the ratio of a bank’s total capital to its total risk-weighted assets. The minimum requirement for the total capital ratio is 10.5% under Basel III standards. This requirement is critical because it makes sure that banks have enough cushion to absorb a reasonable amount of losses before they become insolvent.


Live Oak Bancshares Capital Adequacy Tier - Total Capital Ratio % Related Terms

Thank you for viewing the detailed overview of Live Oak Bancshares's Capital Adequacy Tier - Total Capital Ratio % provided by GuruFocus.com. Please click on the following links to see related term pages.


Live Oak Bancshares (Live Oak Bancshares) Business Description

Industry
GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Live Oak Bancshares Inc (NYSE:LOB) » Definitions » Capital Adequacy Tier - Total Capital Ratio %
Traded in Other Exchanges
N/A
Address
1741 Tiburon Drive, Wilmington, NC, USA, 28403
Live Oak Bancshares Inc operates as the bank holding company for the Live Oak Banking Company. The company specializes in lending and deposit-related services to small businesses nationwide. The company identifies and extends lending to credit-worthy borrowers both within specific industries, also called verticals, through expertise within those industries, and more broadly to select borrowers outside of those industries. A portion of the loans originated by the Bank are partially guaranteed by the Small Business Administration under the 7(a) Loan Program and the U.S. Department of Agriculture Rural Energy for America Program, Water and Environmental Program, Business and Industry and Community Facilities loan programs.
Executives
Steve Smits officer: Chief Credit Officer 1741 TIBURON DRIVE, WILMINGTON NC 28403
John W. Sutherland officer: Chief Accounting Officer 1741 TIBURON DRIVE, WILMINGTON NC 28403
Renato Derraik officer: Chief Info. & Digital Officer C/O LIVE OAK BANCSHARES, INC., 1741 TIBURON DRIVE, WILMINGTON NC 28403
David G Lucht director II CASCADE PLAZA, AKRON OH 44308
William Henderson Cameron director POST OFFICE BOX 3649, WILMINGTON NC 28406
Micah S Davis officer: Chief Marketing & Comm Officer 1741 TIBURON DRIVE, WILMINGTON NC 28403
Yousef A. Valine director 165 MADISON AVENUE, MEMPHIS TN 38103
Diane Beth Glossman director 2820 RIVER ROAD, NEW HOPE PA 18938
Casey S Crawford director 1741 TIBURON DRIVE, WILMINGTON NC 28403
Stephanie Mann officer: Chief Strategy Officer 1741 TIBURON DRIVE, WILMINGTON NC 28403
Spencer Courtney officer: Chief Experience Officer 1741 TIBURON DRIVE, WILMINGTON NC 28403
Losch William C Iii officer: Chief Financial Officer 165 MADISON AVENUE, MEMPHIS TN 38103
Tonya Williams Bradford director C/O LIVE OAK BANCSHARES, INC., 1741 TIBURON DRIVE, WILMINGTON NC 28403
Williams William L. Iii director 1741 TIBURON DRIVE, WILMINGTON NC 28403
Neil Lawrence Underwood director, officer: President 1420 CANOOCHEE DRIVE, ATLANTA GA 30319