Note 10. Regulatory Capital Requirements

6 Months Ended

Jun. 30, 2012

Regulatory Capital Requirements under Banking Regulations [Text Block]

10.    Regulatory Capital Requirements

As of June 30, 2012, the most recent notification from the regulatory agencies categorized the Bank as well-capitalized under the regulatory framework for prompt corrective action.  To be categorized as well-capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based, and Tier 1 leverage ratios as set forth in the following table:

	Actual					For Capital Adequacy Purposes					To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
As of June 30, 2012
Total capital (to risk weighed assets)
Tri City Bankshares Corporation	$	133,732,000		17.8	%	$	59,986,000		8.0	%	$	n/a		n/a	%
Tri City National Bank	$	129,356,000		17.3	%	$	59,910,000		8.0	%	$	74,887,000		10.0	%
Tier 1 capital (to risk weighted assets)
Tri City Bankshares Corporation	$	124,344,000		16.6	%	$	29,990,000		4.0	%	$	n/a		n/a	%
Tri City National Bank	$	119,968,000		16.0	%	$	29,955,000		4.0	%	$	44,932,000		6.0	%
Total capital (to average assets)
Tri City Bankshares Corporation	$	124,344,000		10.7	%	$	46,643,000		4.0	%	$	n/a		n/a	%
Tri City National Bank	$	119,968,000		10.3	%	$	46,693,000		4.0	%	$	58,366,000		5.0	%

	Actual					For Capital Adequacy Purposes					To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
As of December 31, 2011
Total capital (to risk weighed assets)
Tri City Bankshares Corporation	$	130,371,000		17.1	%	$	61,037,000		8.0	%	$	n/a		n/a	%
Tri City National Bank	$	125,937,000		16.6	%	$	60,783,000		8.0	%	$	75,979,000		10.0	%
Tier 1 capital (to risk weighted assets)
Tri City Bankshares Corporation	$	120,816,000		15.8	%	$	30,414,000		4.0	%	$	n/a		n/a	%
Tri City National Bank	$	116,421,000		15.5	%	$	30,392,000		4.0	%	$	45,588,000		6.0	%
Total capital (to average assets)
Tri City Bankshares Corporation	$	120,816,000		10.6	%	$	45,524,000		4.0	%	$	n/a		n/a	%
Tri City National Bank	$	116,421,000		10.2	%	$	45,515,000		4.0	%	$	56,894,000		5.0	%