Regulatory Matters (Tables)

9 Months Ended

Sep. 30, 2019

Actual and Required Capital Ratios of Bank

The following tables present actual and required capital ratios as of September 30, 2019 and December 31, 2018 for the Company and the Bank under applicable Basel III Capital Rules. The minimum capital amounts presented include the minimum required capital levels as of September 30, 2019 and December 31, 2018 based on the then phased-in provisions of the Basel III Capital Rules. As of January 1, 2019, the minimum required capital levels of the Basel III Capital Rules have been fully phased-in. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules.


	Actual						Minimum Capital Required – Basel III Fully Phased In						Required to be Considered Well Capitalized
As of September 30, 2019:	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(dollars in thousands)
Total Capital (to Risk Weighted Assets):
Consolidated	$	735,884	15.23	%	$	507,335	10.50	%	N/A		N/A
Tri Counties Bank	$	731,359	15.14	%	$	507,152	10.50	%	$	483,002	10.00	%
Tier 1 Capital (to Risk Weighted Assets):
Consolidated	$	701,703	14.52	%	$	410,700	8.50	%	N/A		N/A
Tri Counties Bank	$	697,178	14.43	%	$	410,551	8.50	%	$	386,401	8.00	%
Common equity Tier 1 Capital (to Risk Weighted Assets):
Consolidated	$	646,240	13.37	%	$	338,224	7.00	%	N/A		N/A
Tri Counties Bank	$	697,178	14.43	%	$	338,101	7.00	%	$	313,951	6.50	%
Tier 1 Capital (to Average Assets):
Consolidated	$	701,703	11.31	%	$	248,073	4.00	%	N/A		N/A
Tri Counties Bank	$	697,178	11.24	%	$	248,068	4.00	%	$	310,085	5.00	%


	Actual						Minimum Capital Required – Basel III Phase-inSchedule						Minimum Capital Required – Basel III Fully Phased In				Required to be Considered Well Capitalized
As of December 31, 2018:	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
	(dollars in thousands)
Total Capital (to Risk Weighted Assets):
Consolidated	$	682,419	14.40	%	$	467,874	9.875	%	$	497,486	10.50	%	N/A		N/A
Tri Counties Bank	$	680,624	14.37	%	$	467,704	9.875	%	$	497,305	10.50	%	$	473,624	10.00	%
Tier 1 Capital (to Risk Weighted Assets):
Consolidated	$	647,262	13.66	%	$	373,115	7.875	%	$	402,727	8.50	%	N/A		N/A
Tri Counties Bank	$	645,467	13.63	%	$	372,979	7.875	%	$	402,581	8.50	%	$	378,899	8.00	%
Common equity Tier 1 Capital (to Risk Weighted Assets):
Consolidated	$	591,933	12.49	%	$	302,045	6.375	%	$	331,658	7.00	%	N/A		N/A
Tri Counties Bank	$	645,467	13.63	%	$	301,935	6.375	%	$	331,537	7.00	%	$	307,856	6.50	%
Tier 1 Capital (to Average Assets):
Consolidated	$	647,262	10.68	%	$	242,452	4.000	%	$	242,452	4.00	%	N/A		N/A
Tri Counties Bank	$	645,467	10.65	%	$	242,447	4.000	%	$	242,447	4.00	%	$	303,059	5.00	%