Regulatory Capital Requirements and Restrictions (Tables)

9 Months Ended

Sep. 30, 2015

Schedule of Bank's Actual Capital Amounts and Ratios

The Company’s and the Bank’s actual capital amounts and ratios as of September 30, 2015 and December 31, 2014, are presented in the following tables:

											Minimum
											To Be Well
											Capitalized Under
						Minimum					Prompt Corrective
	Actual					Capital Requirement					Action Provisions
(Dollars in Thousands)	Amount		Ratio			Amount		Ratio			Amount		Ratio
As of September 30, 2015:
Total Risk Based Capital (to Risk Weighted Assets)
Consolidated	$	49,249		16.19	%	$	24,330		8.00	%		N/A		N/A
Bank of Lancaster		41,769		13.84	%		24,136		8.00	%	$	30,171		10	%
Tier 1 Capital (to Risk Weighted Assets)
Consolidated		39,036		12.84	%		12,165		4.00	%		N/A		N/A
Bank of Lancaster		38,395		12.73	%		12,068		4.00	%	$	18,102		6	%
Common Equity Tier 1 Capital (to Risk Weighted Assets)
Consolidated
Bank of Lancaster		39,036		12.84	%		12,165		4.00	%		N/A		N/A
		38,395		12.73	%		12,068		4.00	%	$	15,085		5	%
Tier 1 Capital (to Average Assets)
Consolidated
Bank of Lancaster		39,036		9.16	%		17,042		4.00	%		N/A		N/A
		38,395		9.19	%		16,712		4.00	%	$	20,890		5	%

											Minimum
											To Be Well
											Capitalized Under
						Minimum					Prompt Corrective
	Actual					Capital Requirement					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		10.36	%		14,770		4.00	%		N/A		N/A
Bank of Lancaster		33,241		9.07	%		14,664		4.00	%	$	18,329		5	%