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 December 31, 2014:
Total risk-based capital ratio ⁽¹⁾	$	611,704	87.4	%	$	55,964	8.0	%		$	69,955	10.0	%
Tier 1 risk-based capital ratio ⁽²⁾	602,908		86.2	%	N/A		N/A			41,973		6.0	%
Tier 1 capital ratio (leverage) ⁽³⁾	602,908		49.6	%	145,865		12.0	%	⁽⁵⁾	60,777		5.0	%
Tangible equity ratio ⁽⁴⁾	602,908		49.6	%	18,233		1.5	%		N/A		N/A
As of December 31, 2013:
Total risk-based capital ratio ⁽¹⁾	$	517,031	72.5	%	$	57,023	8.0	%		$	71,279	10.0	%
Tier 1 risk-based capital ratio ⁽²⁾	508,015		71.3	%	N/A		N/A			42,768		6.0	%
Tier 1 capital ratio (leverage) ⁽³⁾	508,015		37.1	%	164,404		12.0	%	⁽⁵⁾	68,502		5.0	%
Tangible equity ratio ⁽⁴⁾	508,015		37.1	%	20,550		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.