| Regulatory Capital Requirements |
Shareholders’ Equity Regulatory Capital Requirements The following table presents the Corporation’s and the Bank’s actual capital amounts and ratios, as well as the corresponding minimum required capital ratios and minimum capital ratios required for the Bank to be “well capitalized” for purposes of the Federal Deposit Insurance Corporation’s (“FDIC”) prompt corrective action provisions: | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | Actual | | For Capital Adequacy Purposes | | To Be “Well Capitalized” Under Prompt Corrective Action Provisions | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | March 31, 2015 | | | | | | | | | | | | Total Capital (to Risk-Weighted Assets): | | | | | | | | | | | | Corporation |
| $352,521 |
| | 12.80 | % | |
| $220,262 |
| | 8.00 | % | |
| N/A |
| | N/A | Bank | 347,674 |
| | 12.63 |
| | 220,187 |
| | 8.00 |
| | 275,234 |
| | 10.00 | Tier 1 Capital (to Risk-Weighted Assets): | | | | | | | | | | | | Corporation | 324,375 |
| | 11.78 |
| | 165,196 |
| | 6.00 |
| | N/A |
| | N/A | Bank | 319,528 |
| | 11.61 |
| | 165,140 |
| | 6.00 |
| | 220,187 |
| | 8.00 | Common Equity Tier 1 Capital (to Risk-Weighted Assets): (1) | | | | | | | | | | | | Corporation | 302,376 |
| | 10.98 |
| | 123,897 |
| | 4.50 |
| | N/A |
| | N/A | Bank | 319,528 |
| | 11.61 |
| | 123,855 |
| | 4.50 |
| | 178,902 |
| | 6.50 | Tier 1 Capital (to Average Assets): (2) | | | | | | | | | | | | Corporation | 324,375 |
| | 9.21 |
| | 140,864 |
| | 4.00 |
| | N/A |
| | N/A | Bank | 319,528 |
| | 9.08 |
| | 140,738 |
| | 4.00 |
| | 175,922 |
| | 5.00 | December 31, 2014 | | | | | | | | | | | | Total Capital (to Risk-Weighted Assets): | | | | | | | | | | | | Corporation | 343,934 |
| | 12.56 |
| | 219,149 |
| | 8.00 |
| | 273,936 |
| | N/A | Bank | 339,268 |
| | 12.39 |
| | 219,075 |
| | 8.00 |
| | 273,844 |
| | 10.00 | Tier 1 Capital (to Risk-Weighted Assets): | | | | | | | | | | | | Corporation | 315,575 |
| | 11.52 |
| | 109,574 |
| | 4.00 |
| | 164,361 |
| | N/A | Bank | 310,909 |
| | 11.35 |
| | 109,537 |
| | 4.00 |
| | 164,306 |
| | 6.00 | Tier 1 Capital (to Average Assets): (2) | | | | | | | | | | | | Corporation | 315,575 |
| | 9.14 |
| | 138,090 |
| | 4.00 |
| | 172,612 |
| | N/A | Bank | 310,909 |
| | 9.01 |
| | 137,964 |
| | 4.00 |
| | 172,454 |
| | 5.00 |
| | (1) | New capital ratio effective January 1, 2015 under the Basel III capital requirements. See additional discussion of Basel III and the new regulatory capital requirements in the “Supervision and Regulation” section in the Annual Report on Form 10-K for the fiscal year ended December 31, 2014. |
(2) Leverage ratio. |