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Off-Balance-Sheet Financial Instruments and Concentrations of Credit Risk (Tables)

12 Months Ended

Dec. 31, 2015

Commitments and Contingencies Disclosure [Abstract]

Off-Balance-Sheet Financial instruments

At December 31, 2015 and 2014, the Bank had the following off-balance-sheet financial instruments, whose contract amounts represent credit risk:

As of December 31,	2015				2014
Unused lines, collateralized by residential real estate	$	69,244,000			$	65,264,000
Other unused commitments	49,833,000				49,608,000
Standby letters of credit	4,098,000				4,480,000
Commitments to extend credit	10,374,000				13,593,000
Total	$	133,549,000			$	132,945,000

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