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 date that Management believes have changed the institution’s category. The Bank’s actual capital amounts and ratios are also presented in the table.


											Minimum
											To Be Well
											Capitalized Under
						Minimum					Prompt Corrective
	Actual					Capital Requirement					Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
	(dollars in thousands)
As of September 30, 2014:
Total Capital (to Risk Weighted Assets):
Consolidated	$	315,581		14.79	%	$	170,716		8.0	%		N/A		N/A
Tri Counties Bank	$	313,725		14.71	%	$	170,597		8.0	%	$	213,247		10.0	%
Tier 1 Capital (to Risk Weighted Assets):
Consolidated	$	288,740		13.53	%	$	85,358		4.0	%		N/A		N/A
Tri Counties Bank	$	286,903		13.45	%	$	85,299		4.0	%	$	127,948		6.0	%
Tier 1 Capital (to Average Assets):
Consolidated	$	288,740		10.48	%	$	110,197		4.0	%		N/A		N/A
Tri Counties Bank	$	286,903		10.42	%	$	110,148		4.0	%	$	137,685		5.0	%
As of December 31, 2013:
Total Capital (to Risk Weighted Assets):
Consolidated	$	297,429		14.77	%	$	161,064		8.0	%		N/A		N/A
Tri Counties Bank	$	295,212		14.67	%	$	160,961		8.0	%	$	201,201		10.0	%
Tier 1 Capital (to Risk Weighted Assets):
Consolidated	$	272,071		13.51	%	$	80,532		4.0	%		N/A		N/A
Tri Counties Bank	$	269,870		13.41	%	$	80,480		4.0	%	$	120,720		6.0	%
Tier 1 Capital (to Average Assets):
Consolidated	$	272,071		10.17	%	$	107,017		4.0	%		N/A		N/A
Tri Counties Bank	$	269,870		10.09	%	$	106,965		4.0	%	$	133,706		5.0	%