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10. Subsequent Events
9 Months Ended
Sep. 30, 2016
Subsequent Events [Abstract]  
10. Subsequent Events

10.  Subsequent Events

In 2016, correspondence was sent to financial institutions in the region to encourage them to consider an investment for CRA credit. In March 2017, the Bank received a preferred stock investment from Fulton Financial totaling $675,000 and in September 2017, an investment of $250,000 was received from Bryn Mawr Trust.   At June 30, 2018, the Bank’s tier one leverage capital ratio was 4.77% and its total risk based capital ratio was 9.20%, which is considered “adequately capitalized” under the regulatory framework for prompt and corrective action.  The Bank’s growth and other operating factors such as the need for additional provisions to the allowance for loans losses may have an adverse effect on its capital ratios.