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Loans Receivable and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2015

Loans Receivable and Allowance for Loan Losses [Abstract]

Composition of Loans Receivable [Table Text Block]

	December 31, 2015						December 31, 2014
Real Estate:
Residential	$	161,820		28.9	%		$	158,139		31.5	%
Commercial		279,123		49.8				261,956		52.2
Construction		18,987		3.4				19,221		3.9
Commercial, financial and agricultural		71,090		12.7				42,514		8.5
Consumer loans to individuals		29,231		5.2				19,704		3.9
Total loans		560,251		100.0	%			501,534		100.0	%
Deferred fees, net		(326)						(399)
Total loans receivable		559,925						501,135
Allowance for loan losses		(7,298)						(5,875)
Net loans receivable	$	552,627					$	495,260

Changes In The Accretable Yield For Purchased Credit Impaired Loans [Table Text Block]

	2015			2014			2013
Balance at beginning of period	$	8		$	20		$	76
Accretion		(1)			(12)			(56)
Reclassification and other		(7)			-			-
Balance at end of period	$	-		$	8		$	20

Additional Information Regarding Loans Acquired and Accounted for in Accordance with ASC 310-30 [Table Text Block]

	December 31, 2015			December 31, 2014
Outstanding Balance	$	498		$	1,057
Carrying Amount	$	498		$	1,049

Schedule of Loans Individually and Collectively Evaluated for Impairment [Table Text Block]

	Real Estate Loans
										Commercial			Consumer
	Residential			Commercial			Construction			Loans			Loans			Total
	(In thousands)
December 31, 2015
Individually evaluated for  impairment	$	28		$	8,660		$	-		$	42		$	-		$	8,730
Loans acquired with deteriorated credit quality		140			358			-			-			-			498
Collectively evaluated for impairment		161,652			270,105			18,987			71,048			29,231			551,023
Total Loans	$	161,820		$	279,123		$	18,987		$	71,090		$	29,231		$	560,251

	Real Estate Loans
										Commercial			Consumer
	Residential			Commercial			Construction			Loans			Loans			Total
	(In thousands)
December 31, 2014
Individually evaluated for  impairment	$	-		$	10,556		$	-		$	-		$	-		$	10,556
Loans acquired with deteriorated credit quality		225			824			-			-			-			1,049
Collectively evaluated for impairment		157,914			250,576			19,221			42,514			19,704			489,929
Total Loans	$	158,139		$	261,956		$	19,221		$	42,514		$	19,704		$	501,534

Impaired Loans and Related Interest Income by Loan Portfolio Class [Table Text Block]

				Unpaid
	Recorded			Principal			Associated
	Investment			Balance			Allowance
December 31, 2015	(In thousands)
With no related allowance recorded:
Real Estate Loans
Residential	$	168		$	173		$	-
Commercial		2,644			4,610			-
Commercial, financial and agricultural		43			43
Subtotal		2,855			4,826			-
With an allowance recorded:
Real Estate Loans
Commercial		6,373			6,446			1,613
Subtotal		6,373			6,446			1,613
Total:
Real Estate Loans
Residential		168			173			-
Commercial		9,017			11,056			1,613
Commercial, financial and agricultural		43			43			-
Total Impaired Loans	$	9,228		$	11,272		$	1,613

				Unpaid
	Recorded			Principal			Associated
	Investment			Balance			Allowance
December 31, 2014	(In thousands)
With no related allowance recorded:
Real Estate Loans
Residential	$	225		$	233		$	-
Commercial		8,407			8,566			-
Subtotal		8,632			8,799			-
With an allowance recorded:
Real Estate Loans
Commercial		2,973			3,837			293
Subtotal		2,973			3,837			293
Total:
Real Estate Loans
Residential		225			233			-
Commercial		11,380			12,403			293
Total Impaired Loans	$	11,605		$	12,636		$	293

The following information for impaired loans is presented for the year ended December 31, 2015 and 2014:

	Average Recorded	Average Recorded								Interest Income
		Investment								Recognized
	2015			2014				2013		2015			2014				2013
	(In thousands)
Total:
Real Estate Loans
Residential	$	159		$	233		$	252		$	4		$	5		$	5
Commercial		8,847			7,492			10,328			526			503			236
Commercial Loans		9			-			-			2			-			-
Total Loans	$	9,015		$	7,725		$	10,580		$	532		$	508		$	241

Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating [Table Text Block]

				Special
	Pass			Mention			Substandard			Doubtful			Loss			Total
December 31, 2015
Commercial real estate loans	$	267,892		$	1,837		$	9,394		$	-		$	-		$	279,123
Commercial		71,047			-			43			-			-			71,090
Total	$	338,939		$	1,837		$	9,437		$	-		$	-		$	350,213

				Special
	Pass			Mention			Substandard			Doubtful			Loss			Total
December 31, 2014
Commercial real estate loans	$	246,629		$	1,983		$	13,344		$	-		$	-		$	261,956
Commercial		42,514			-			-			-			-			42,514
Total	$	289,143		$	1,983		$	13,344		$	-		$	-		$	304,470

For residential real estate loans, construction loans and consumer loans, the Company evaluates credit quality based on the performance of the individual credits. Nonperforming loans include loans that have been placed on nonaccrual status and loans remaining in accrual status on which the contractual payment of principal and interest has become 90 days past due. The following table presents the recorded investment in the loan classes based on payment activity as of December 31, 2015 and December 31, 2014 (in thousands):

	Performing			Nonperforming			Total
December 31, 2015
Residential real estate loans	$	161,380		$	440		$	161,820
Construction		18,987			-			18,987
Consumer loans to individuals		29,231			-			29,231
Total	$	209,598		$	440		$	210,038

	Performing			Nonperforming			Total
December 31, 2014
Residential real estate loans	$	156,464		$	1,675		$	158,139
Construction		19,221			-			19,221
Consumer loans to individuals		19,700			4			19,704
Total	$	195,385		$	1,679		$	197,064

Loan Portfolio Summarized by the Past Due Status [Table Text Block]

	Current			31-60 Days Past Due			61-90 Days Past Due			Greater than 90 Days Past Due and still accruing			Non-Accrual			Total Past Due and Non-Accrual			Total Loans
December 31, 2015
Real Estate loans
Residential	$	160,683		$	646		$	51		$	-		$	440		$	1,137		$	161,820
Commercial		272,125			310			39			-			6,649			6,998			279,123
Construction		18,959			28			-			-			-			28			18,987
Commercial  loans		71,043			4			-			-			43			47			71,090
Consumer  loans		29,179			41			11			-			-			52			29,231
Total	$	551,989		$	1,029		$	101		$	-		$	7,132		$	8,262		$	560,251

	Current			31-60 Days Past Due			61-90 Days Past Due			Greater than 90 Days Past Due and still accruing			Non-Accrual			Total Past Due and Non-Accrual			Total Loans
December 31, 2014
Real Estate loans
Residential	$	156,242		$	222		$	-		$	-		$	1,675		$	1,897		$	158,139
Commercial		252,495			5,100			440			-			3,921			9,461			261,956
Construction		19,221			-			-			-			-			-			19,221
Commercial  loans		42,500			14			-			-			-			14			42,514
Consumer  loans		19,606			94			-			-			4			98			19,704
Total	$	490,064		$	5,430		$	440		$	-		$	5,600		$	11,470		$	501,534

Allowance for Loan Losses and Recorded Investment in Financing Receivables [Table Text Block]

	Year ended December 31,
	(dollars in thousands)
	2015			2014				2013
Allowance at beginning of period	$	5,875		$	5,708		$	5,502
Charge-offs:
Real Estate loans
Residential		(224)			(270)			(603)
Commercial		(2,883)			(1,196)			(1,488)
Construction		-			-			(40)
Commercial  loans		-			-			(4)
Consumer  loans		(91)			(80)			(90)
Total		(3,198)			(1,546)			(2,225)
Recoveries:
Real Estate loans
Residential		20			-			9
Commercial		-			2			-
Construction		-			-			-
Commercial  loans		-			-			-
Consumer  loans		21			31			22
Total		41			33			31
Provision for loan losses		4,580			1,680			2,400
Allowance at end of period	$	7,298		$	5,875		$	5,708

The following table presents the allowance for loan losses by the classes of the loan portfolio:

(In thousands)	Residential Real Estate			Commercial Real Estate			Construction			Commercial			Consumer			Total
Beginning balance, December 31, 2014	$	1,323		$	3,890		$	222		$	256		$	184		$	5,875
Charge Offs		(224)			(2,883)			-			-			(91)			(3,198)
Recoveries		20			-			-			-			21			41
Provision for loan losses		(50)			4,499			(132)			141			122			4,580
Ending balance, December 31, 2015	$	1,069		$	5,506		$	90		$	397		$	236		$	7,298
Ending balance individually evaluated for impairment	$	-		$	1,613		$	-		$	-		$	-		$	1,613
Ending balance collectively evaluated for impairment	$	1,069		$	3,893		$	90		$	397		$	236		$	5,685

(In thousands)	Residential Real Estate			Commercial Real Estate			Construction			Commercial			Consumer			Total
Beginning balance, December 31, 2013	$	1,441		$	3,025		$	898		$	184		$	160		$	5,708
Charge Offs		(270)			(1,196)			-			-			(80)			(1,546)
Recoveries		-			2			-			-			31			33
Provision for loan losses		152			2,059			(676)			72			73			1,680
Ending balance, December 31, 2014	$	1,323		$	3,890		$	222		$	256		$	184		$	5,875
Ending balance individually evaluated for impairment	$	-		$	293		$	-		$	-		$	-		$	293
Ending balance collectively evaluated for impairment	$	1,323		$	3,597		$	222		$	256		$	184		$	5,582

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