The following tables are summaries of the Company’s consolidated capital amounts and ratios and the Bank’s actual capital amounts and ratios as computed under the standards established by the Federal Deposit Insurance Act at March 31, 2015 and December 31, 2014.

At March 31, 2015	Adequately Capitalized Requirements				Individual Minimum Capital Requirements (3)				Actual
(Dollars in thousands)	$		%		$		%		$		%
The Company Consolidated
Tier 1 Leverage Capital (1)		N/A	N/A			N/A	N/A		$	59,899	12.13	%
Tier 1 Risk-Based Capital (2)		N/A	N/A			N/A	N/A			59,899	17.71	%
Total Risk-Based Capital (2)		N/A	N/A			N/A	N/A			64,148	18.97	%

The Bank
Tier 1 Leverage Capital (1)	$	19,826	4.00	%	$	44,609	9.00	%	$	55,415	11.18	%
Common Equity Tier 1 (CET1) (2) (4)		15,217	4.50	%		N/A	N/A			55,415	16.39	%
Tier 1 Risk-Based Capital (2)		20,290	6.00	%		N/A	N/A			55,415	16.39	%
Total Risk-Based Capital (2)		27,053	8.00	%		43,961	13.00	%		59,663	17.64	%

(1) Tier 1 capital to total assets.

(2) Tier 1 or total risk-based capital to risk-weighted assets.

(3) Effective June 4, 2013.

(4) New capital requirement under Basel III effective January 1, 2015.

At December 31, 2014	Adequately Capitalized Requirements				Individual Minimum Capital Requirements (3)				Actual
(Dollars in thousands)	$		%		$		%		$		%
The Company Consolidated
Tier 1 Leverage Capital (1)		N/A	N/A			N/A	N/A		$	59,611	12.09	%
Tier 1 Risk-Based Capital (2)		N/A	N/A			N/A	N/A			59,611	18.94	%
Total Risk-Based Capital (2)		N/A	N/A			N/A	N/A			63,571	20.20	%

The Bank
Tier 1 Leverage Capital (1)	$	19,796	4.00	%	$	44,541	9.00	%	$	55,090	11.13	%
Tier 1 Risk-Based Capital (2)		12,658	4.00	%		N/A	N/A			55,090	17.41	%
Total Risk-Based Capital (2)		25,317	8.00	%		41,139	13.00	%		59,071	18.67	%

(1) Tier 1 capital to total assets.

(2) Tier 1 or total risk-based capital to risk-weighted assets.

(3) Effective June 4, 2013.