The Company’s and the Bank’s actual regulatory capital amounts and ratios are presented in the following table.


Regulatory Capital and Ratios			The Company				The Bank
(dollars in thousands)			March 31, 2015		December 31, 2014		March 31, 2015		December 31, 2014

Common Equity			$ 98,295		$ 96,559		$ 128,907		$ 126,838
Preferred Stock -SBLF			-		20,000		-		-
Total Stockholders' Equity			98,295		116,559		128,907		126,838
AOCI Losses (Gains)			100		378		100		378
Common Equity Tier 1 Capital			98,395		116,937		129,007		127,216
TRUPs			12,000		12,000		-		-
Tier 1 Capital			110,395		128,937		129,007		127,216
Allowable Reserve for Credit Losses and Other Adjustments			8,621		8,537		8,621		8,537
Subordinated Notes			23,000		-		-		-
Tier 2 Capital			$ 142,016		$ 137,474		$ 137,628		$ 135,753

Risk-Weighted Assets ("RWA")			$ 938,617		$ 903,931		$ 936,284		$ 902,136

Average Assets ("AA")			$ 1,065,379		$ 1,053,424		$ 1,063,315		$ 1,051,627
2019 Regulatory Min. Ratio + CCB (1)
Common Tier 1 Capital to RWA (2)	7.00	%	10.48	%	12.94	%	13.78	%	14.10	%
Tier 1 Capital to RWA	8.50		11.76		14.26		13.78		14.10
Tier 2 Capital to RWA	10.50		15.13		15.21		14.70		15.05
Tier 1 Capital to AA (Leverage)	n/a		10.36		12.24		12.13		12.10

(1)These are the fully phased-in ratios as of January 1, 2019 that include the minimum capital ratio ("Min. Ratio") + the capital conservation buffer ("CCB"). The phase-in period is more fully described in the footnote above.
(2)The Common Tier 1 ratio became effective for regulatory reporting purposes when the Company and the Bank became subject to the new Basel III Capital Rules during the three months ended March 31, 2015.