Regulatory Matters

12 Months Ended

Dec. 31, 2019

Banking and Thrift [Abstract]

Regulatory Matters

Note 26 – Regulatory Matters

The Company is subject to various regulatory capital requirements administered by federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company’s assets, liabilities and certain off-balance-sheet items as calculated under regulatory accounting practices. The Company’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table below) of total, Tier 1, and common equity Tier 1capital to risk-weighted assets, and of Tier 1 capital to average assets. Management believes as of December 31, 2019, the Company and Bank meet all capital adequacy requirements to which they are subject.

	Actual				Required for Capital Adequacy Purposes				Required to be Considered Well Capitalized Under Prompt Corrective Action Regulations
(dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
As of December 31, 2019:
Total Capital (to Risk Weighted Assets):
Consolidated	$	753,200	15.07	%	$	524,944	10.50	%	N/A		N/A
Tri Counties Bank	$	748,660	14.98	%	$	524,759	10.50	%	$	499,770	10.00	%
Tier 1 Capital (to Risk Weighted Assets):
Consolidated	$	719,809	14.40	%	$	424,955	8.50	%	N/A		N/A
Tri Counties Bank	$	715,269	14.31	%	$	424,805	8.50	%	$	399,816	8.00	%
Common equity Tier 1 Capital (to Risk Weighted Assets):
Consolidated	$	664,296	13.29	%	$	349,963	7.00	%	N/A		N/A
Tri Counties Bank	$	715,269	14.31	%	$	349,839	7.00	%	$	324,851	6.50	%
Tier 1 Capital (to Average Assets):
Consolidated	$	719,809	11.55	%	$	249,343	4.00	%	N/A		N/A
Tri Counties Bank	$	715,269	11.47	%	$	249,337	4.00	%	$	311,672	5.00	%

	Actual				Required for Capital Adequacy Purposes				Required to be Considered Well Capitalized Under Prompt Corrective Action Regulations
(dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
As of December 31, 2018:
Total Capital (to Risk Weighted Assets):
Consolidated	$	682,419	14.40	%	$	497,486	10.50	%	N/A		N/A
Tri Counties Bank	$	680,624	14.37	%	$	497,305	10.50	%	$	473,624	10.00	%
Tier 1 Capital (to Risk Weighted Assets):
Consolidated	$	647,262	13.66	%	$	402,727	8.50	%	N/A		N/A
Tri Counties Bank	$	645,467	13.63	%	$	402,581	8.50	%	$	378,899	8.00	%
Common equity Tier 1 Capital (to Risk Weighted Assets):
Consolidated	$	591,933	12.49	%	$	331,658	7.00	%	N/A		N/A
Tri Counties Bank	$	645,467	13.63	%	$	331,537	7.00	%	$	307,856	6.50	%
Tier 1 Capital (to Average Assets):
Consolidated	$	647,262	10.68	%	$	242,452	4.00	%	N/A		N/A
Tri Counties Bank	$	645,467	10.65	%	$	242,447	4.00	%	$	303,059	5.00	%