The following table presents actual and required capital ratios as of December 31, 2015 for the Company and the Bank under Basel III Capital Rules. The minimum capital amounts presented include the minimum required capital levels as of December 31, 2015 based on the phased-in provisions of the Basel III Capital Rules and the minimum required capital levels as of January 1, 2019 when 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 Phase-in Schedule								Minimum Capital Required – Basel III Fully Phased In								Required to be Considered Well Capitalized
		Amount				Ratio				Amount				Ratio				Amount				Ratio				Amount				Ratio
		(dollars in thousands)
As of December 31, 2015:
Total Capital
(to Risk Weighted Assets):
Consolidated		$	474,436				15.09	%		$	251,555				8.00	%		$	330,165				10.50	%			N/A				N/A
Tri Counties Bank		$	473,327				15.06	%		$	251,418				8.00	%		$	329,985				10.50	%		$	314,272				10.00	%
Tier 1 Capital
(to Risk Weighted Assets):
Consolidated		$	435,950				13.86	%		$	188,666				6.00	%		$	267,277				8.50	%			N/A				N/A
Tri Counties Bank		$	434,841				13.84	%		$	188,563				6.00	%		$	267,131				8.50	%		$	251,418				8.00	%
Common equity Tier 1 Capital
(to Risk Weighted Assets):
Consolidated		$	385,747				12.27	%		$	141,499				4.50	%		$	220,110				7.00	%			N/A				N/A
Tri Counties Bank		$	434,841				13.84	%		$	141,422				4.50	%		$	219,990				7.00	%		$	204,277				6.50	%
Tier 1 Capital (to Average Assets):
Consolidated		$	435,950				10.79	%		$	161,562				4.00	%		$	161,562				4.00	%			N/A				N/A
Tri Counties Bank		$	434,841				10.76	%		$	161,601				4.00	%		$	161,601				4.00	%		$	202,002				5.00	%

The following table presents actual and required capital ratios as of December 31, 2104 for the Company and the Bank under the regulatory capital rules then in effect.

 

		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 December 31, 2014:
Total Capital (to Risk Weighted Assets):
Consolidated		$	436,955				15.63	%		$	223,603				8.0	%			N/A				N/A
Tri Counties Bank		$	433,286				15.51	%		$	223,449				8.0	%		$	279,311				10.0	%
Tier 1 Capital (to Risk Weighted Assets):
Consolidated		$	401,971				14.38	%		$	111,801				4.0	%			N/A				N/A
Tri Counties Bank		$	398,325				14.26	%		$	111,724				4.0	%		$	167,587				6.0	%
Tier 1 Capital (to Average Assets):
Consolidated		$	401,971				10.80	%		$	148,819				4.0	%			N/A				N/A
Tri Counties Bank		$	398,325				10.71	%		$	148,734				4.0	%		$	185,918				5.0	%