Financial Instruments with Off-Balance Sheet Risk	12 Months Ended
Dec. 31, 2015
Fair Value Disclosures [Abstract]
Financial Instruments with Off-Balance Sheet Risk	Financial Instruments with Off-Balance Sheet Risk We make commitments to extend credit in the normal course of business to meet the financing needs of our customers. These financial instruments include commitments to extend credit in the form of loans or through standby letters of credit. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some of the commitments are expected to expire without being fully drawn upon, the total commitment amount does not necessarily represent future cash requirements. We are exposed to credit loss equal to the contract amount of the commitment in the event of nonperformance by the borrower. We use the same credit policies in making commitments as we do for on-balance-sheet instruments and we evaluate each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by us, is based on Management's credit evaluation of the borrower. Collateral held varies, but may include accounts receivable, inventory, property, plant and equipment, and real property. The contractual amount of loan commitments and standby letters of credit not reflected on the consolidated statements of condition was $376.6 million and $349.3 million at December 31, 2015 and 2014, respectively. This amount included $191.3 million and $173.3 million under commercial lines of credit (these commitments are contingent upon customers maintaining specific credit standards), $130.4 million and $115.6 million under revolving home equity lines, $39.4 million and $46.7 million under undisbursed construction loans, $11.1 million and $11.6 million under personal and other lines of credit, and a remaining $4.4 million and $2.1 million under standby letters of credit at December 31, 2015 and 2014, respectively. We record an allowance for losses on these off-balance sheet commitments based on an estimate of probabilities of these commitments being drawn upon according to our historical utilization experience on different types of commitments and expected loss severity. In 2015 we refined our methodology used in the calculation of the loss reserve on off-balance sheet commitments to more appropriately reflect the inherent credit risks, which totaled $749 thousand and $1.0 million as of December 31, 2015 and 2014, respectively. Approximately 42% of the commitments expire in 2016, approximately 41% expire between 2017 and 2023 and approximately 17% expire thereafter.

Financial Instruments with Off-Balance Sheet Risk

We make commitments to extend credit in the normal course of business to meet the financing needs of our customers. These financial instruments include commitments to extend credit in the form of loans or through standby letters of credit. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some of the commitments are expected to expire without being fully drawn upon, the total commitment amount does not necessarily represent future cash requirements.

We are exposed to credit loss equal to the contract amount of the commitment in the event of nonperformance by the borrower. We use the same credit policies in making commitments as we do for on-balance-sheet instruments and we evaluate each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by us, is based on Management's credit evaluation of the borrower. Collateral held varies, but may include accounts receivable, inventory, property, plant and equipment, and real property.

The contractual amount of loan commitments and standby letters of credit not reflected on the consolidated statements of condition was $376.6 million and $349.3 million at December 31, 2015 and 2014, respectively. This amount included $191.3 million and $173.3 million under commercial lines of credit (these commitments are contingent upon customers maintaining specific credit standards), $130.4 million and $115.6 million under revolving home equity lines, $39.4 million and $46.7 million under undisbursed construction loans, $11.1 million and $11.6 million under personal and other lines of credit, and a remaining $4.4 million and $2.1 million under standby letters of credit at December 31, 2015 and 2014, respectively. We record an allowance for losses on these off-balance sheet commitments based on an estimate of probabilities of these commitments being drawn upon according to our historical utilization experience on different types of commitments and expected loss severity. In 2015 we refined our methodology used in the calculation of the loss reserve on off-balance sheet commitments to more appropriately reflect the inherent credit risks, which totaled $749 thousand and $1.0 million as of December 31, 2015 and 2014, respectively. Approximately 42% of the commitments expire in 2016, approximately 41% expire between 2017 and 2023 and approximately 17% expire thereafter.