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Loans (Tables)

12 Months Ended

Dec. 31, 2014

Loans [Abstract]

Schedule Of Loan Portfolio Segments

	December 31,			December 31,
	2014			2013
Commercial	$	46,656		$	37,526
Real estate:
Single-family residential		51,542			32,219
Multi-family residential		28,863			32,197
Commercial		91,404			83,752
Construction		23,732			11,465
Consumer:
Home equity lines of credit		16,955			14,851
Other		4,995			860
Subtotal		264,147			212,870
Less: ALLL		(6,316)			(5,729)
Loans, net	$	257,831		$	207,141

Activity in ALLL by portfolio segment

	December 31, 2014
				Real Estate												Consumer
	Commercial			Single-family			Multi-family			Commercial			Construction			Home Equity lines of credit			Other			Total
Beginning balance	$	1,759		$	120		$	1,262		$	2,325		$	119		$	139		$	5		$	5,729
Addition to (reduction in) provision for loan losses		(374)			510			(444)			(128)			323			304			87			278
Charge-offs		(44)			-			-			(5)			-			(26)			-			(75)
Recoveries		5			4			-			349			-			24			2			384
Ending balance	$	1,346		$	634		$	818		$	2,541		$	442		$	441		$	94		$	6,316

	December 31, 2013
				Real Estate												Consumer
	Commercial			Single-family			Multi-family			Commercial			Construction			Home Equity lines of credit			Other			Total
Beginning balance	$	1,311		$	332		$	1,396		$	1,946		$	-		$	241		$	11		$	5,237
Addition to (reduction in) provision for loan losses		407			(51)			(163)			319			119			(114)			(21)			496
Charge-offs		-			(164)			(59)			(6)			-			(17)			(6)			(252)
Recoveries		41			3			88			66			-			29			21			248
Ending balance	$	1,759		$	120		$	1,262		$	2,325		$	119		$	139		$	5		$	5,729

	December 31, 2012
				Real Estate												Consumer
				Single-			Multi-									Home Equity
	Commercial			family			family			Commercial			Construction			lines of credit			Other			Total
Beginning balance	$	2,281		$	207		$	1,470		$	1,863		$	-		$	272		$	17		$	6,110
Addition to (reduction in) provision for loan losses		(1,251)			180			700			1,412			-			78			10			1,129
Charge-offs		(99)			(64)			(796)			(1,467)			-			(126)			(39)			(2,591)
Recoveries		380			9			22			138			-			17			23			589
Ending balance	$	1,311		$	332		$	1,396		$	1,946		$	-		$	241		$	11		$	5,237

Balance in ALLL and recorded investment in loans by portfolio segment and based on impairment method

The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2014:  

					Real Estate												Consumer
		Commercial			Single- family			Multi- family			Commercial			Construction			Home Equity lines of credit			Other			Total
ALLL:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	29		$	-		$	1		$	34		$	-		$	-		$	-		$	64
Collectively evaluated for impairment			1,317			634			817			2,507			442			441			94			6,252
Total ending allowance balance		$	1,346		$	634		$	818		$	2,541		$	442		$	441		$	94		$	6,316
Loans:
Individually evaluated for impairment		$	631		$	296		$	1,634		$	3,709		$	-		$	-		$	-		$	6,270
Collectively evaluated for impairment			46,025			51,246			27,229			87,695			23,732			16,955			4,995			257,877
Total ending loan balance		$	46,656		$	51,542		$	28,863		$	91,404		$	23,732		$	16,955		$	4,995		$	264,147

The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2013:  

					Real Estate												Consumer
		Commercial			Single- family			Multi- family			Commercial			Construction			Home Equity lines of credit			Other			Total
ALLL:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	532		$	-		$	402		$	191		$	-		$	-		$	-		$	1,125
Collectively evaluated for impairment			1,227			120			860			2,134			119			139			5			4,604
Total ending allowance balance		$	1,759		$	120		$	1,262		$	2,325		$	119		$	139		$	5		$	5,729
Loans:
Individually evaluated for impairment			992		$	317		$	1,759		$	5,845		$	-		$	-		$	-		$	8,913
Collectively evaluated for impairment			36,534			31,902			30,438			77,907			11,465			14,851			860			203,957
Total ending loan balance		$	37,526		$	32,219		$	32,197		$	83,752		$	11,465		$	14,851		$	860		$	212,870

Individually evaluated for impairment by class of loans

	Unpaid Principal Balance			Recorded Investment			ALLL Allocated			Average Recorded Investment			Interest Income Recognized
With no related allowance recorded:
Commercial	$	135		$	121		$	-		$	121		$	-
Real estate:
Single-family residential		334			173			-			180			-
Multi-family residential		1,581			1,581			-			1,631			-
Commercial:
Non-owner occupied		577			477			-			502			-
Owner occupied		708			187			-			208			-
Land		-			-			-			-			-
Total with no allowance recorded		3,335			2,539			-			2,642			-
With an allowance recorded:
Commercial		510			510			29			766			22
Real estate:
Single-family residential		123			123			-			125			7
Multi-family residential		53			53			1			56			13
Commercial:
Non-owner occupied		2,360			2,360			17			2,123			134
Owner occupied		381			381			2			388			25
Land		349			304			15			327			20
Total with an allowance recorded		3,776			3,731			64			3,785			221
Total	$	7,111		$	6,270		$	64		$	6,427		$	221

The following table presents loans individually evaluated for impairment by class of loans as of and for the year ended December 31, 2013. The unpaid principal balance is the contractual principal balance outstanding. The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, deferred loan fees and costs and includes accrued interest.

	Unpaid Principal Balance			Recorded Investment			ALLL Allocated			Average Recorded Investment			Interest Income Recognized
With no related allowance recorded:
Commercial	$	135		$	120		$	-		$	292		$	-
Real estate:
Single-family residential		352			191			-			-			-
Multi-family residential		-			-			-			185			-
Commercial:
Non-owner occupied		2,022			1,453			-			1,895			-
Owner occupied		2,021			1,070			-			1,392			-
Land		-			-			-			423			-
Total with no allowance recorded		4,530			2,834			-			4,187			-
With an allowance recorded:
Commercial		872			872			532			815			26
Real estate:
Single-family residential		126			126			-			454			8
Multi-family residential		1,759			1,759			402			1,880			4
Commercial:
Non-owner occupied		2,158			2,158			46			2,191			139
Owner occupied		397			397			7			162			24
Land		812			767			138			370			22
Total with an allowance recorded		6,124			6,079			1,125			5,872			223
Total	$	10,654		$	8,913		$	1,125		$	10,059		$	223

Recorded investment in nonaccrual loans by class of loans

	December 31,			December 31,
	2014			2013
Loans past due over 90 days still on accrual	$	-		$	-
Nonaccrual loans:
Commercial		369			563
Real estate:
Single-family residential		549			479
Multi-family residential		-			1,701
Commercial:
Non-owner occupied		477			1,453
Owner occupied		-			1,070
Land		-			420
Consumer:
Home equity lines of credit:		51			-
Originated for portfolio		102			52
Total nonaccrual		1,548			5,738
Total nonperforming loans	$	1,548		$	5,738

Aging of recorded investment in past due loans by class of loans

	30 - 59 Days Past Due			60 - 89 Days Past Due			Greater than 90 Days Past Due			Total Past Due			Loans Not Past Due			Nonaccrual Loans Not > 90 days Past Due
Commercial	$	19		$	-		$	121		$	140		$	46,516		$	248
Real estate:
Single-family residential		525			55			68			648			50,894			481
Multi-family residential		-			-			-			-			28,863			-
Commercial:
Non-owner occupied		115			-			-			115			49,027			477
Owner occupied		-			-			-			-			35,991			-
Land		-			-			-			-			6,271			-
Construction		52			-			-			52			23,680			-
Consumer:
Home equity lines of credit:
Originated for portfolio		-			-			51			51			15,469			-
Purchased for portfolio		30			102			-			132			1,303			102
Other		5			10			-			15			4,980			-
Total	$	746		$	167		$	240		$	1,153		$	262,994		$	1,308

The following table presents the aging of the recorded investment in past due loans by class of loans as of December 31, 2013:  

	30 - 59 Days Past Due			60 - 89 Days Past Due			Greater than 90 Days Past Due			Total Past Due			Loans Not Past Due			Nonaccrual Loans Not > 90 days Past Due
Commercial	$	-		$	-		$	121		$	121		$	37,405		$	442
Real estate:
Single-family residential		352			268			247			867			31,352			232
Multi-family residential		-			-			-			-			32,197			1,701
Commercial:
Non-owner occupied		-			-			923			923			42,199			530
Owner occupied		-			-			-			-			35,202			1,070
Land		-			-			420			420			5,008			-
Construction		-			-			-			-			11,465			-
Consumer:
Home equity lines of credit:
Originated for portfolio		52			-			-			52			12,930			52
Purchased for portfolio		123			-			-			123			1,746			-
Other		2			11			-			13			847			-
Total	$	529		$	279		$	1,711		$	2,519		$	210,351		$	4,027

Loans modified as TDRs by class of loans

	Number of Loans			Pre-Modification Outstanding Recorded Investment			Post-Modification Outstanding Recorded Investment
Commercial		1		$	104		$	100
		1		$	104		$	100

The following table presents loans modified as TDRs by class of loans during the year ended December 31, 2013:

	Number of Loans			Pre-Modification Outstanding Recorded Investment			Post-Modification Outstanding Recorded Investment
Commercial		1		$	126		$	126
Real estate:
Single-family residential		1			346			350
Multi-family residential		1			1,760			1,701
Commercial:
Non-owner occupied		-			-			-
Owner occupied		1			237			239
Land		-			-			-
Construction		-			-			-
Consumer:
Home equity lines of credit:
Originated for portfolio		-			-			-
Purchased for portfolio		-			-			-
Other		-			-			-
		4		$	2,469		$	2,416

Schedule of Debtor Troubled Debt Restructuring, Subsequent Periods

	December 31, 2014			December 31, 2013
Commercial	$	249		$	442
Real estate:
Single-family residential		173			190
Multi-family residential		-			1,701
Commercial:
Non-owner occupied		-			-
Owner occupied		-			238
Total	$	422		$	2,571

Financing Receivable Credit Quality Indicators

	Not Rated			Pass			Special Mention			Substandard			Total
Commercial	$	1,090		$	44,663		$	443		$	460		$	46,656
Real estate:
Single-family residential		50,961			-			-			581			51,542
Multi-family residential		-			26,481			-			2,382			28,863
Commercial:
Non-owner occupied		139			43,665			89			5,249			49,142
Owner occupied		-			33,389			1,508			1,094			35,991
Land		78			3,428			-			2,765			6,271
Construction		8,673			15,059			-			-			23,732
Consumer:
Home equity lines of credit:
Originated for portfolio		15,370			-			-			150			15,520
Purchased for portfolio		858			-			313			264			1,435
Other		4,995			-			-			-			4,995
	$	82,164		$	166,685		$	2,353		$	12,945		$	264,147

The recorded investment in loans by risk category and class of loans as of December 31, 2013 follows:

	Not Rated			Pass			Special Mention			Substandard			Total
Commercial	$	228		$	35,424		$	921		$	953		$	37,526
Real estate:
Single-family residential		31,685			-			-			534			32,219
Multi-family residential		-			29,667			-			2,530			32,197
Commercial:
Non-owner occupied		3,170			34,834			556			4,561			43,121
Owner occupied		-			31,489			1,045			2,669			35,203
Land		87			2,023			-			3,318			5,428
Construction		2,115			9,350			-			-			11,465
Consumer:
Home equity lines of credit:
Originated for portfolio		12,828			-			-			154			12,982
Purchased for portfolio		1,285			-			414			170			1,869
Other		860			-			-			-			860
	$	52,258		$	142,787		$	2,936		$	14,889		$	212,870

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