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Capital Requirements (Tables)
 12 Months Ended
Dec. 31, 2015
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, 2015 and 2014:
 
 
 
 
 
 
 
 
 
 
 
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, 2015:
 
 
 
 
 
 
 
 
 
 
 
 
Common Equity Tier 1 Capital to Risk
 
 
 
 
 
 
 
 
 
 
 
 
Weighted Assets
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
77,170

 
15.22
%
 
$
22,819

 
4.50
%
 
N/A
Bank of Clarke County
 
$
74,034

 
14.72
%
 
$
22,633

 
4.50
%
 
$
32,692

 
6.50
%
Total Capital to Risk Weighted Assets
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
82,156

 
16.20
%
 
$
40,567

 
8.00
%
 
N/A
Bank of Clarke County
 
$
78,997

 
15.71
%
 
$
40,237

 
8.00
%
 
$
50,296

 
10.00
%
Tier 1 Capital to Risk Weighted Assets
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
77,170

 
15.22
%
 
$
30,425

 
6.00
%
 
N/A
Bank of Clarke County
 
$
74,034

 
14.72
%
 
$
30,177

 
6.00
%
 
$
40,237

 
8.00
%
Tier 1 Capital to Average Assets
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
77,170

 
12.13
%
 
$
25,438

 
4.00
%
 
N/A
Bank of Clarke County
 
$
74,034

 
11.65
%
 
$
25,426

 
4.00
%
 
$
31,783

 
5.00
%
 
 
 
 
 
 
 
 
 
 
 
 
 
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
%