The following table presents the Total risk-based, Tier I risk-based, Common Equity Tier I risk-based and Tier I leverage requirements for the Corporation and its four significant subsidiaries, Fulton Bank, N.A., Fulton Bank of New Jersey, The Columbia Bank and Lafayette Ambassador Bank with total assets in excess of $1 billion, as of December 31, 2015, under the U.S. Basel III Capital Rules:



	2015
	Actual				For Capital Adequacy Purposes				Well Capitalized
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(dollars in thousands)
Total Capital (to Risk-Weighted Assets):
Corporation	$	1,997,926	13.2	%	$	1,214,868	8.0	%	N/A		N/A
Fulton Bank, N.A.	1,088,709		12.2		714,734		8.0		$	893,418	10.0	%
Fulton Bank of New Jersey	373,465		12.6		236,691		8.0		295,864		10.0
The Columbia Bank	211,355		13.7		123,260		8.0		154,075		10.0
Lafayette Ambassador Bank	172,345		14.1		97,792		8.0		122,240		10.0
Tier I Capital (to Risk-Weighted Assets):
Corporation	$	1,544,495	10.2	%	$	911,151	6.0	%	N/A		N/A
Fulton Bank, N.A	1,000,603		11.2		536,051		6.0		$	714,734	8.0	%
Fulton Bank of New Jersey	336,319		11.4		177,518		6.0		236,691		8.0
The Columbia Bank	192,090		12.5		92,445		6.0		123,260		8.0
Lafayette Ambassador Bank	162,092		13.3		73,344		6.0		97,792		8.0
Common Equity Tier I Capital (to Risk-weighted Assets):
Corporation	$	1,541,214	10.2	%	$	683,363	4.5	%	N/A		N/A
Fulton Bank, N.A	956,603		10.7		402,038		4.5		$	580,721	6.5	%
Fulton Bank of New Jersey	336,319		11.4		133,139		4.5		192,311		6.5
The Columbia Bank	192,090		12.5		69,334		4.5		100,149		6.5
Lafayette Ambassador Bank	162,092		13.3		55,008		4.5		79,456		6.5
Tier I Capital (to Average Assets):
Corporation	$	1,544,495	9.0	%	$	688,500	4.0	%	N/A		N/A
Fulton Bank, N.A	1,000,603		10.2		391,783		4.0		$	489,729	5.0	%
Fulton Bank of New Jersey	336,319		9.5		141,257		4.0		176,572		5.0
The Columbia Bank	192,090		9.7		79,618		4.0		99,523		5.0
Lafayette Ambassador Bank	162,092		11.0		59,152		4.0		73,940		5.0

N/A – Not applicable as "well capitalized" applies to banks only.

The following table presents the Total risk-based, Tier I risk-based and Tier I leverage requirements as of December 31, 2014, under the capital standards in existence prior to the U.S. Basel III Capital Rules:



	2014
	Actual				For Capital Adequacy Purposes				Well Capitalized
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(dollars in thousands)
Total Capital (to Risk-Weighted Assets):
Corporation	$	1,970,569	14.7	%	$	1,076,013	8.0	%	N/A		N/A
Fulton Bank, N.A.	1,065,445		13.2		643,791		8.0		$	804,739	10.0	%
Fulton Bank of New Jersey	347,235		13.1		211,823		8.0		264,779		10.0
The Columbia Bank	203,109		13.5		119,934		8.0		149,917		10.0
Lafayette Ambassador Bank	167,800		15.9		84,407		8.0		105,508		10.0
Tier I Capital (to Risk-Weighted Assets):
Corporation	$	1,655,853	12.3		$	538,007	4.0	%	N/A		N/A
Fulton Bank, N.A	977,547		12.1		321,896		4.0		$	482,843	6.0	%
Fulton Bank of New Jersey	313,843		11.9		105,911		4.0		158,867		6.0
The Columbia Bank	184,331		12.3		59,967		4.0		89,950		6.0
Lafayette Ambassador Bank	154,817		14.7		42,203		4.0		63,305		6.0
Tier I Capital (to Average Assets):
Corporation	$	1,655,853	10.0		$	663,421	4.0	%	N/A		N/A
Fulton Bank, N.A	977,547		10.5		373,288		4.0		$	466,610	5.0	%
Fulton Bank of New Jersey	313,843		9.4		133,580		4.0		166,975		5.0
The Columbia Bank	184,331		9.4		78,186		4.0		97,733		5.0
Lafayette Ambassador Bank	154,817		10.8		57,132		4.0		71,416		5.0

N/A – Not applicable as "well capitalized" applies to banks only.