Regulatory Requirements and Restrictions (Tables)

12 Months Ended

Dec. 31, 2014

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, 2014 and 2013, 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, 2014:
Total Risk Based Capital (to Risk Weighted Assets)
Consolidated	$	41,445		15.02	%	$	22,074		8.00	%		N/A		N/A
Bank of Lancaster		36,446		13.30	%		21,927		8.00	%	$	27,409		10	%
Tier 1 Capital (to Risk Weighted Assets)
Consolidated		38,240		13.86	%		11,037		4.00	%		N/A		N/A
Bank of Lancaster		33,241		12.13	%		10,964		4.00	%	$	16,445		6	%
Tier 1 Capital (to Average Assets)
Consolidated		38,240		10.35	%		14,770		4.00	%		N/A		N/A
Bank of Lancaster		33,241		9.07	%		14,664		4.00	%	$	18,329		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, 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	%