Commitments and Credit Risk

12 Months Ended

Dec. 31, 2015

Commitments and Contingencies Disclosure [Abstract]

In the normal course of business, the Company makes various commitments to extend credit which are not reflected in the accompanying consolidated financial statements. At December 31, 2015 and 2014, the Company had outstanding loan commitments totaling approximately $131.9 million and $110.4 million, respectively.

As of December 31, 2015, the Company leased office facilities under various operating leases. The leases may be subject to additional payments based on building operating costs and property taxes in excess of specified amounts. The Company recorded rental expense for all operating leases of $0.5 million, $0.5 million, and $0.5 million for the years ended December 31, 2015, 2014, and 2013 respectively. Future minimum cash lease payments are as follows:



	Amount
2016	$	557
2017	517
2018	526
2019	534
2020	542
Thereafter	92
	$	2,768