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)	September 30, 2018	December 31, 2017	September 30, 2018	December 31, 2017

Common equity	$ 150,148	$ 109,957	$ 180,620	$ 139,046
Goodwill	(10,708)	-	(10,708)	-
Core deposit intangible (net of deferred tax liability)	(2,169)	-	(2,169)	-
AOCI losses	2,633	1,191	2,633	1,191
Common Equity Tier 1 Capital	139,904	111,148	170,376	140,237
TRUPs	12,000	12,000	-	-
Tier 1 Capital	151,904	123,148	170,376	140,237
Allowable reserve for credit losses and other Tier 2 adjustments	10,790	10,545	10,790	10,545
Subordinated notes	23,000	23,000	-	-
Tier 2 Capital	$ 185,694	$ 156,693	$ 181,166	$ 150,782

Risk-Weighted Assets ("RWA")	$ 1,358,171	$ 1,169,341	$ 1,354,942	$ 1,164,478

Average Assets ("AA")	$ 1,596,550	$ 1,401,741	$ 1,593,387	$ 1,398,001


	2019 Regulatory Min. Ratio + CCB (1)
Common Tier 1 Capital to RWA	7.00%	10.30	%	9.51	%	12.57	%	12.04	%
Tier 1 Capital to RWA	8.50	11.18		10.53		12.57		12.04
Tier 2 Capital to RWA	10.50	13.67		13.40		13.37		12.95
Tier 1 Capital to AA (Leverage) (2)	n/a	9.51		8.79		10.69		10.03

(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) Tier 1 Capital to AA (Leverage) has no capital conservation buffer defined. PCA well capitalized is defined as 5.00%.