Company: NWBI
Filing Date: 2025-02-25
Form Type: 10-K
Source: 0001471265-25-000016
Chunk: 208

Company: Northwest Bancshares, Inc.
Filing Date: 2025-02-25
Form: 10-K
Item: Item 1B
Chunk 208
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Northwest Bank1,520,736 14.167 %1,127,076 10.500 %1,073,406 10.000 %Tier 1 capital (to risk weighted assets)      Northwest Bancshares, Inc.1,553,766 14.463 %913,186 8.500 %644,602 6.000 %Northwest Bank1,388,808 12.938 %912,395 8.500 %858,725 8.000 %CET 1 capital (to risk weighted assets)      Northwest Bancshares, Inc.1,428,181 13.294 %752,036 7.000 %N/AN/ANorthwest Bank1,388,808 12.938 %751,384 7.000 %697,714 6.500 %Tier 1 capital (leverage to average assets)Northwest Bancshares, Inc.1,428,181 10.841 %573,290 4.000 %N/AN/ANorthwest Bank1,388,808 9.697 %572,903 4.000 %716,128 5.000 %(1)    The 2023 capital conservation buffer of 2.5%  does not apply to Tier 1 capital to average assets (leverage ratio). For further information related to the capital conservation buffer, see “Item 1. Business—Supervision and Regulation”.(2)   Reflects the well-capitalized standard applicable to Northwest Bank and the well-capitalized standard applicable to the Company under the Federal Reserve Board’s Regulation Y.

(18)         Contingent Liabilities

 We and our subsidiaries are subject to a number of asserted and unasserted claims encountered in the normal course of business. Management believes that the aggregate liability, if any, that may result from such potential litigation will not have a material adverse effect on our financial statements. However, we cannot presently determine whether or not any claims against us will have a material adverse effect on our results of operations in any future reporting period.

(19)         Legal Proceedings

 We establish accruals for legal proceedings when information related to the loss contingencies represented by those matters indicates both that a loss is probable and that the amount of loss can be reasonably estimated. As of December 31,