Regulatory Matters

3 Months Ended

Mar. 31, 2013

Regulatory Matters [Abstract]

Regulatory Matters

Note 29—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 and Tier 1 capital to risk-weighted assets, and of Tier 1 capital to average assets. Management believes, as of March 31, 2013, that the Company meets all capital adequacy requirements to which it is subject.

As of March 31, 2013, the most recent notification from the FDIC categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized the Bank must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the table below. There are no conditions or events since that notification that Management believes have changed the institution’s category. The Bank’s actual capital amounts and ratios are also presented in the table.

	Actual					Minimum Capital Requirement					Minimum to be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
	(dollars in thousands)
As of March 31, 2013:
Total Capital (to Risk Weighted Assets):
Consolidated	$	280,792		15.19	%		147,908		8.0	%		N/A		N/A
Tri Counties Bank	$	278,540		15.08	%		147,808		8.0	%	$	184,661		10.0	%
Tier 1 Capital (to Risk Weighted Assets):
Consolidated	$	257,435		13.92	%		73,954		4.0	%		N/A		N/A
Tri Counties Bank	$	255,199		13.81	%		73,904		4.0	%	$	110,856		6.0	%
Tier 1 Capital (to Average Assets):
Consolidated	$	257,435		9.93	%		103,710		4.0	%		N/A		N/A
Tri Counties Bank	$	255,189		9.85	%		103,658		4.0	%	$	129,572		5.0	%
As of December 31, 2012:
Total Capital (to Risk Weighted Assets):
Consolidated	$	273,979		14.53	%	$	150,896		8.0	%		N/A		N/A
Tri Counties Bank	$	271,723		14.42	%	$	150,796		8.0	%	$	188,495		10.0	%
Tier 1 Capital (to Risk Weighted Assets):
Consolidated	$	250,133		13.27	%	$	75,448		4.0	%		N/A		N/A
Tri Counties Bank	$	247,892		13.16	%	$	75,398		4.0	%	$	113,097		6.0	%
Tier 1 Capital (to Average Assets):
Consolidated	$	250,133		9.82	%	$	101,918		4.0	%		N/A		N/A
Tri Counties Bank	$	247,892		9.73	%	$	101,866		4.0	%	$	127,333		5.0	%