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Capital Requirements (Tables)
 12 Months Ended
Dec. 31, 2013
Banking and Thrift [Abstract]  
Schedule Of Capital Requirements
The following table presents the Company’s and the Bank’s actual capital amounts and ratios at December 31, 2013 and 2012:
 
 
 
 
 
 
 
 
 
 
 
Minimum
To Be Well
 
 
 
 
 
 
Minimum
Capital
 
Capitalized Under
Prompt Corrective
 
 
Actual
 
Requirement
 
Action Provisions
 
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
 
 
(dollars in thousands)
December 31, 2013:
 
 
 
 
 
 
 
 
 
 
 
 
Total Capital to Risk Weighted Assets
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
78,426

 
18.42
%
 
$
34,062

 
8.00
%
 
N/A
Bank of Clarke County
 
$
74,595

 
17.61
%
 
$
33,879

 
8.00
%
 
$
42,349

 
10.00
%
Tier 1 Capital to Risk Weighted Assets
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
73,101

 
17.17
%
 
$
17,031

 
4.00
%
 
N/A
Bank of Clarke County
 
$
69,299

 
16.36
%
 
$
16,940

 
4.00
%
 
$
25,409

 
6.00
%
Tier 1 Capital to Average Assets
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
73,101

 
12.48
%
 
$
23,435

 
4.00
%
 
N/A
Bank of Clarke County
 
$
69,299

 
11.89
%
 
$
23,313

 
4.00
%
 
$
29,141

 
5.00
%
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2012:
 
 
 
 
 
 
 
 
 
 
 
 
Total Capital to Risk Weighted Assets
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
72,304

 
17.98
%
 
$
32,171

 
8.00
%
 
N/A
Bank of Clarke County
 
$
66,891

 
16.74
%
 
$
31,968

 
8.00
%
 
$
39,960

 
10.00
%
Tier 1 Capital to Risk Weighted Assets
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
67,258

 
16.73
%
 
$
16,085

 
4.00
%
 
N/A
Bank of Clarke County
 
$
61,876

 
15.48
%
 
$
15,984

 
4.00
%
 
$
23,976

 
6.00
%
Tier 1 Capital to Average Assets
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
67,258

 
11.70
%
 
$
22,990

 
4.00
%
 
N/A
Bank of Clarke County
 
$
61,876

 
10.86
%
 
$
22,787

 
4.00
%
 
$
28,484

 
5.00
%