Regulatory Requirements and Restrictions (Tables)

12 Months Ended

Dec. 31, 2013

Schedule of Bank's Actual Capital Amounts and Ratios

The Company’s and the Bank’s actual capital amounts and ratios as of December 31, 2013 and 2012, are presented in the following tables:

	Actual					Minimum Capital Requirement					Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions
(Dollars in thousands)	Amount		Ratio			Amount		Ratio			Amount		Ratio
As of December 31, 2013:
Total Risk Based Capital (to Risk Weighted Assets)
Consolidated	$	39,322		16.38	%	$	19,211		8.00	%		N/A		N/A
Bank of Lancaster	$	33,419		14.01	%	$	19,089		8.00	%	$	23,861		10	%
Tier 1 Capital (to Risk Weighted Assets)
Consolidated	$	36,397		15.16	%	$	9,605		4.00	%		N/A		N/A
Bank of Lancaster	$	30,494		12.78	%	$	9,545		4.00	%	$	14,317		6	%
Tier 1 Capital (to Average Assets)
Consolidated	$	36,397		10.93	%	$	13,319		4.00	%		N/A		N/A
Bank of Lancaster	$	30,494		9.20	%	$	13,259		4.00	%	$	16,573		5	%

	Actual					Minimum Capital Requirement					Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions
(Dollars in thousands)	Amount		Ratio			Amount		Ratio			Amount		Ratio
As of December 31, 2012:
Total Risk Based Capital (to Risk Weighted Assets)
Consolidated	$	37,787		17.09	%	$	17,689		8.00	%		N/A		N/A
Bank of Lancaster	$	31,514		14.08	%	$	17,900		8.00	%	$	22,374		10	%
Tier 1 Capital (to Risk Weighted Assets)
Consolidated	$	35,019		15.84	%	$	8,845		4.00	%		N/A		N/A
Bank of Lancaster	$	28,714		12.83	%	$	8,950		4.00	%	$	13,425		6	%
Tier 1 Capital (to Average Assets)
Consolidated	$	35,019		10.93	%	$	12,812		4.00	%		N/A		N/A
Bank of Lancaster	$	28,714		9.00	%	$	12,763		4.00	%	$	15,954		5	%