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, 2019			December 31, 2018			March 31, 2019			December 31, 2018
Common equity			$	159,080		$	154,482		$	191,156		$	185,073
Goodwill				(10,835)			(10,835)			(10,835)			(10,835)
Core deposit intangible (net of deferred tax liability)				(1,903)			(2,034)			(1,903)			(2,034)
AOCI losses				473			1,847			473			1,847
Common Equity Tier 1 Capital				146,815			143,460			178,891			174,051
TRUPs				12,000			12,000			—			—
Tier 1 Capital				158,815			155,460			178,891			174,051
Allowable reserve for credit losses and other Tier 2 adjustments				10,897			11,027			10,897			11,027
Subordinated notes				23,000			23,000			—			—
Tier 2 Capital			$	192,712		$	189,487		$	189,788		$	185,078
Risk-Weighted Assets ("RWA")			$	1,413,324		$	1,384,807		$	1,411,172		$	1,383,048
Average Assets ("AA")			$	1,687,948		$	1,635,594		$	1,686,046		$	1,632,846
2019 Regulatory Min. Ratio + CCB (1)
Common Tier 1 Capital to RWA	7.00	%		10.39	%		10.36	%		12.68	%		12.58	%
Tier 1 Capital to RWA	8.50			11.24			11.23			12.68			12.58
Tier 2 Capital to RWA	10.50			13.64			13.68			13.45			13.38
Tier 1 Capital to AA (Leverage) (2)	n/a			9.41			9.50			10.61			10.66

(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.

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