The following tables present the Total risk-based, Tier I risk-based, Common Equity Tier I risk-based and Tier I leverage requirements under the U.S. Basel III Capital Rules, as of December 31:



	2018
	Actual				For Capital Adequacy Purposes				Well Capitalized
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(dollars in thousands)
Total Capital (to Risk-Weighted Assets):
Corporation	$	2,200,257	12.8	%	$	1,380,905	8.0	%	N/A		N/A
Fulton Bank, N.A.	1,319,090		12.1		871,413		8.0		$	1,089,267	10.0	%
Fulton Bank of New Jersey	418,207		13.3		250,999		8.0		313,748		10.0
The Columbia Bank	266,661		12.9		165,676		8.0		207,094		10.0
Lafayette Ambassador Bank	180,604		16.0		90,077		8.0		112,596		10.0
Tier I Capital (to Risk-Weighted Assets):
Corporation	$	1,764,847	10.2	%	$	1,035,679	6.0	%	N/A		N/A
Fulton Bank, N.A	1,225,797		11.3		653,560		6.0		$	871,413	8.0	%
Fulton Bank of New Jersey	378,962		12.1		188,249		6.0		250,999		8.0
The Columbia Bank	242,668		11.7		124,257		6.0		165,676		8.0
Lafayette Ambassador Bank	169,835		15.1		67,558		6.0		90,077		8.0
Common Equity Tier I Capital (to Risk-weighted Assets):
Corporation	$	1,764,847	10.2	%	$	776,759	4.5	%	N/A		N/A
Fulton Bank, N.A	1,181,797		10.8		490,170		4.5		$	708,023	6.5	%
Fulton Bank of New Jersey	378,962		12.1		141,187		4.5		203,936		6.5
The Columbia Bank	242,668		11.7		93,192		4.5		134,611		6.5
Lafayette Ambassador Bank	169,835		15.1		50,668		4.5		73,187		6.5
Tier I Leverage Capital (to Average Assets):
Corporation	$	1,764,847	9.0	%	$	783,118	4.0	%	N/A		N/A
Fulton Bank, N.A	1,225,797		10.0		487,992		4.0		$	609,989	5.0	%
Fulton Bank of New Jersey	378,962		9.4		162,098		4.0		202,623		5.0
The Columbia Bank	242,668		10.1		96,269		4.0		120,336		5.0
Lafayette Ambassador Bank	169,835		10.9		62,520		4.0		78,150		5.0

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



	2017
	Actual				For Capital Adequacy Purposes				Well Capitalized
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(dollars in thousands)
Total Capital (to Risk-Weighted Assets):
Corporation	$	2,179,147	13.0	%	$	1,338,560	8.0	%	N/A		N/A
Fulton Bank, N.A.	1,234,536		12.3		805,125		8.0		$	1,006,406	10.0	%
Fulton Bank of New Jersey	385,858		12.4		248,640		8.0		310,801		10.0
The Columbia Bank	234,647		12.2		153,441		8.0		191,801		10.0
Lafayette Ambassador Bank	173,097		14.6		94,720		8.0		118,400		10.0
Tier I Capital (to Risk-Weighted Assets):
Corporation	$	1,737,060	10.4	%	$	1,003,920	6.0	%	N/A		N/A
Fulton Bank, N.A	1,142,230		11.3		603,843		6.0		$	805,125	8.0	%
Fulton Bank of New Jersey	346,867		11.2		186,480		6.0		248,640		8.0
The Columbia Bank	215,651		11.2		115,081		6.0		153,441		8.0
Lafayette Ambassador Bank	162,292		13.7		71,040		6.0		94,720		8.0
Common Equity Tier I Capital (to Risk-weighted Assets):
Corporation	$	1,737,060	10.4	%	$	752,940	4.5	%	N/A		N/A
Fulton Bank, N.A	1,098,230		10.9		452,883		4.5		$	654,164	6.5	%
Fulton Bank of New Jersey	346,867		11.2		139,860		4.5		202,020		6.5
The Columbia Bank	215,651		11.2		86,310		4.5		124,671		6.5
Lafayette Ambassador Bank	162,292		13.7		53,280		4.5		76,960		6.5
Tier I Leverage Capital (to Average Assets):
Corporation	$	1,737,060	8.9	%	$	778,451	4.0	%	N/A		N/A
Fulton Bank, N.A	1,142,230		10.0		458,016		4.0		$	572,520	5.0	%
Fulton Bank of New Jersey	346,867		8.8		158,027		4.0		197,534		5.0
The Columbia Bank	215,651		9.3		92,797		4.0		115,996		5.0
Lafayette Ambassador Bank	162,292		10.1		64,191		4.0		80,239		5.0

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