Regulatory Requirements and Restrictions (Tables)

12 Months Ended

Dec. 31, 2016

The Company’s and the Bank’s actual capital amounts and ratios as of December 31, 2016 and December 31, 2015, are presented in the following tables:


						Minimum					Minimum To Be Well Capitalized Under Prompt Corrective
	Actual					Capital Requirement					Action Provisions
(Dollars in Thousands)	Amount		Ratio			Amount		Ratio			Amount		Ratio
As of December 31, 2016:
Total Risk Based Capital (to Risk Weighted Assets)
Consolidated	$	51,810		15.02	%	$	27,600		8.00	%		N/A		N/A
Bank of Lancaster		46,977		13.69	%		27,460		8.00	%	$	34,325		10.0	%

Tier 1 Capital (to Risk Weighted Assets)
Consolidated		41,087		11.91	%		20,700		6.00	%		N/A		N/A
Bank of Lancaster		43,114		12.56	%		20,595		6.00	%	$	27,460		8.0	%

Common Equity Tier 1 Capital (to Risk Weighted Assets)
Consolidated		41,087		11.91	%		15,525		4.50	%		N/A		N/A
Bank of Lancaster		43,114		12.56	%		15,446		4.50	%	$	22,311		6.5	%

Tier 1 Capital (to Average Assets)
Consolidated		41,087		8.66	%		18,967		4.00	%		N/A		N/A
Bank of Lancaster		43,114		9.18	%		18,793		4.00	%	$	23,491		5.0	%


						Minimum					Minimum To Be Well Capitalized Under Prompt Corrective
	Actual					Capital Requirement					Action Provisions
(Dollars in Thousands)	Amount		Ratio			Amount		Ratio			Amount		Ratio
As of December 31, 2015:
Total Risk Based Capital (to Risk Weighted Assets)
Consolidated	$	49,305		15.54	%	$	25,380		8.00	%		N/A		N/A
Bank of Lancaster		42,923		13.64	%		25,176		8.00	%	$	31,471		10.0	%

Tier 1 Capital (to Risk Weighted Assets)
Consolidated		38,492		12.13	%		19,035		6.00	%		N/A		N/A
Bank of Lancaster		38,986		12.39	%		18,882		6.00	%	$	25,176		8.0	%

Common Equity Tier 1 Capital (to Risk Weighted Assets)
Consolidated		38,492		12.13	%		14,276		4.50	%		N/A		N/A
Bank of Lancaster		38,986		12.39	%		14,162		4.50	%	$	20,456		6.5	%

Tier 1 Capital (to Average Assets)
Consolidated		38,492		8.84	%		17,420		4.00	%		N/A		N/A
Bank of Lancaster		38,986		9.11	%		17,125		4.00	%	$	21,406		5.0	%