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Loan Servicing | 12 Months Ended
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Dec. 31, 2014
Loans [Abstract] |
Loan Servicing | NOTE 7 – LOAN SERVICING Mortgage loans serviced for others are not reported as assets. The principal balances of these loans at year-end were as follows:
| 2014 |  | 2013
Mortgage loans serviced for Freddie Mac | $ | 6,560 |  | $ | 8,243
Custodial escrow balances maintained in connection with serviced loans were $178 and $166 at year-end 201 4 and 201 3, respectively. Activity for mortgage servicing rights and the related valuation allowance follows:
| 2014 |  | 2013 |  | 2012
Servicing rights, net of valuation allowance: |  |  |  |  |  |  |  |
Beginning of year | $ | 20 |  | $ | 29 |  | $ | 37
Additions |  | - |  |  | - |  |  | -
Amortized to expense |  | (5) |  |  | (9) |  |  | (9)
Change in valuation allowance |  | - |  |  | - |  |  | 1
End of year |  | 15 |  |  | 20 |  |  | 29
Valuation allowance: |  |  |  |  |  |  |  |
Beginning of year |  | 1 |  |  | 1 |  |  | 2
Additions expensed |  | - |  |  | - |  |  | -
Reductions credited to operations |  | - |  |  | - |  |  | (1)
End of year | $ | 1 |  | $ | 1 |  | $ | 1

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