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)			December 31, 2016			December 31, 2015		December 31, 2016		December 31, 2015

Common Equity			$ 104,426			$ 99,783		$ 136,109		$ 132,571
Preferred Stock -SBLF			-			-		-		-
Total Stockholders' Equity			104,426			99,783		136,109		132,571
AOCI Losses			928			251		928		251
Common Equity Tier 1 Capital			105,354			100,034		137,037		132,822
TRUPs			12,000			12,000		-		-
Tier 1 Capital			117,354			112,034		137,037		132,822
Allowable Reserve for Credit Losses and Other Tier 2 Adjustments			9,860			8,540		9,860		8,540
Subordinated Notes			23,000			23,000		-		-
Tier 2 Capital			$ 150,214			$ 143,574		$ 146,897		$ 141,362

Risk-Weighted Assets ("RWA")			$ 1,104,505			$ 984,614		$ 1,102,116		$ 982,347

Average Assets ("AA")			$ 1,300,445			$ 1,118,843		$ 1,298,145		$ 1,116,576
	2019 Regulatory Min. Ratio + CCB (1)
Common Tier 1 Capital to RWA (2)	7.00	%		9.54	%	10.16	%	12.43	%	13.52	%
Tier 1 Capital to RWA	8.50			10.62		11.38		12.43		13.52
Tier 2 Capital to RWA	10.50			13.60		14.58		13.33		14.39
Tier 1 Capital to AA (Leverage)	n/a			9.02		10.01		10.56		11.90

(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.