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Capital Requirements (Tables)
 12 Months Ended
Dec. 31, 2014
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, 2014 and 2013:
 
 
 
 
 
 
 
 
 
 
 
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, 2014:
 
 
 
 
 
 
 
 
 
 
 
 
Total Capital to Risk Weighted Assets
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
83,923

 
19.06
%
 
$
35,222

 
8.00
%
 
N/A
Bank of Clarke County
 
$
80,035

 
18.24
%
 
$
35,107

 
8.00
%
 
$
43,883

 
10.00
%
Tier 1 Capital to Risk Weighted Assets
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
78,817

 
17.90
%
 
$
17,611

 
4.00
%
 
N/A
Bank of Clarke County
 
$
74,929

 
17.07
%
 
$
17,553

 
4.00
%
 
$
26,330

 
6.00
%
Tier 1 Capital to Average Assets
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
78,817

 
12.86
%
 
$
24,515

 
4.00
%
 
N/A
Bank of Clarke County
 
$
74,929

 
12.28
%
 
$
24,416

 
4.00
%
 
$
30,520

 
5.00
%
 
 
 
 
 
 
 
 
 
 
 
 
 
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
%