The following table sets forth HRB Bank's regulatory capital requirements calculated in its Call Report, as filed with the Federal Financial Institutions Examination Council (FFIEC):



(dollars in 000s)
	Actual				Minimum Capital Requirement					Minimum to be Well Capitalized
	Amount		Ratio		Amount		Ratio			Amount		Ratio
As of June 30, 2014:
Total risk-based capital ratio ⁽¹⁾	$	590,393	191.2	%	$	25,593	8.0	%		$	31,991	10.0	%
Tier 1 risk-based capital ratio ⁽²⁾	586,394		189.9	%	N/A		N/A			19,195		6.0	%
Tier 1 capital ratio (leverage) ⁽³⁾	586,394		51.0	%	138,123		12.0	%	⁽⁵⁾	57,551		5.0	%
Tangible equity ratio ⁽⁴⁾	586,394		51.0	%	17,265		1.5	%		N/A		N/A
As of June 30, 2013:
Total risk-based capital ratio ⁽¹⁾	$	508,667	132.5	%	$	30,701	8.0	%		$	38,376	10.0	%
Tier 1 risk-based capital ratio ⁽²⁾	503,536		131.2	%	N/A		N/A			23,026		6.0	%
Tier 1 capital ratio (leverage) ⁽³⁾	503,536		36.9	%	163,620		12.0	%	⁽⁵⁾	68,175		5.0	%
Tangible equity ratio ⁽⁴⁾	503,536		36.9	%	20,453		1.5	%		N/A		N/A
As of March 31, 2014:
Total risk-based capital ratio ⁽¹⁾	$	563,899	168.5	%	$	26,771	8.0	%		$	33,464	10.0	%
Tier 1 risk-based capital ratio ⁽²⁾	559,572		167.2	%	N/A		N/A			20,079		6.0	%
Tier 1 capital ratio (leverage) ⁽³⁾	559,572		32.1	%	209,041		12.0	%	⁽⁵⁾	87,101		5.0	%
Tangible equity ratio ⁽⁴⁾	559,572		32.1	%	26,130		1.5	%		N/A		N/A


⁽¹⁾	Total risk-based capital divided by risk-weighted assets.


⁽²⁾	Tier 1 (core) capital less deduction for low-level recourse and residual interest divided by risk-weighted assets.


⁽³⁾	Tier 1 (core) capital divided by adjusted total assets.


⁽⁴⁾	Tangible capital divided by tangible assets.


⁽⁵⁾	Effective April 5, 2012, the minimum capital requirement was changed to 4% by the OCC, although HRB Bank plans to maintain a minimum of 12.0% leverage capital at the end of each calendar quarter.