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Loans (Tables)

12 Months Ended

Dec. 31, 2015

Loans [Abstract]

Schedule of loan portfolio segments

	December 31,			December 31,
	2015			2014
Commercial	$	43,744		$	46,532
Real estate:
Single-family residential		81,985			51,445
Multi-family residential		28,950			28,790
Commercial		96,488			91,119
Construction		24,662			23,641
Consumer:
Home equity lines of credit		21,837			16,898
Other		6,018			4,976
Subtotal		303,684			263,401
Less: ALLL		(6,620)			(6,316)
Loans, net	$	297,064		$	257,085

Activity in ALLL by portfolio segment

	December 31, 2015
				Real Estate												Consumer
	Commercial			Single-family			Multi-family			Commercial			Construction			Home Equity lines of credit			Other			Total
Beginning balance	$	1,346		$	634		$	818		$	2,541		$	442		$	441		$	94		$	6,316
Addition to (reduction in) provision for loan losses		17			96			(113)			161			119			(39)			9			250
Charge-offs		(8)			(40)			-			(25)			-			(41)			(10)			(124)
Recoveries		25			1			-			33			-			113			6			178
Ending balance	$	1,380		$	691		$	705		$	2,710		$	561		$	474		$	99		$	6,620

	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

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, 2015:

					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		$	5		$	1		$	-		$	14		$	-		$	-		$	-		$	20
Collectively evaluated for impairment			1,375			690			705			2,696			561			474			99			6,600
Total ending allowance balance		$	1,380		$	691		$	705		$	2,710		$	561		$	474		$	99		$	6,620
Loans:
Individually evaluated for impairment		$	422		$	289		$	1,590		$	3,449		$	-		$	-		$	-		$	5,750
Collectively evaluated for impairment			43,322			81,696			27,360			93,039			24,662			21,837			6,018			297,934
Total ending loan balance		$	43,744		$	81,985		$	28,950		$	96,488		$	24,662		$	21,837		$	6,018		$	303,684

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			630		$	296		$	1,631		$	3,695		$	-		$	-		$	-		$	6,252
Collectively evaluated for impairment			45,902			51,149			27,159			87,424			23,641			16,898			4,976			257,149
Total ending loan balance		$	46,532		$	51,445		$	28,790		$	91,119		$	23,641		$	16,898		$	4,976		$	263,401

Individually evaluated for impairment by class of loans

The following table presents loans individually evaluated for impairment by class of loans as of and for the year ended December 31, 2015. 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.

	Unpaid Principal Balance			Recorded Investment			ALLL Allocated			Average Recorded Investment			Interest Income Recognized
With no related allowance recorded:
Commercial	$	36		$	28		$	-		$	65		$	1
Real estate:
Single-family residential		322			161			-			166			-
Multi-family residential		1,545			1,545			-			1,561			95
Commercial:
Non-owner occupied		546			446			-			455			-
Owner occupied		688			167			-			174			39
Land		-			-			-			-			-
Total with no allowance recorded		3,137			2,347			-			2,421			135
With an allowance recorded:
Commercial		394			394			5			439			12
Real estate:
Single-family residential		128			128			1			130			7
Multi-family residential		45			45			-			48			3
Commercial:
Non-owner occupied		2,224			2,224			9			2,242			136
Owner occupied		363			363			1			371			20
Land		294			249			4			274			18
Total with an allowance recorded		3,448			3,403			20			3,504			196
Total	$	6,585		$	5,750		$	20		$	5,925		$	331

The following table presents loans individually evaluated for impairment by class of loans as of and for the year ended December 31, 2014. 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.

	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		1,579			1,579			-			1,631			-
Commercial:
Non-owner occupied		577			477			-			502			-
Owner occupied		704			183			-			208			-
Land		-			-			-			-			-
Total with no allowance recorded		3,329			2,533			-			2,642			-
With an allowance recorded:
Commercial		509			509			29			766			22
Real estate:
Single-family residential		123			123			-			125			7
Multi-family residential		52			52			1			56			13
Commercial:
Non-owner occupied		2,352			2,352			17			2,123			134
Owner occupied		380			380			2			388			25
Land		348			303			15			327			20
Total with an allowance recorded		3,764			3,719			64			3,785			221
Total	$	7,093		$	6,252		$	64		$	6,427		$	221

Recorded investment in nonaccrual loans by class of loans

	December 31,			December 31,
	2015			2014
Loans past due over 90 days still on accrual	$	-		$	-
Nonaccrual loans:
Commercial		224			369
Real estate:
Single-family residential		640			549
Multi-family residential		-			-
Commercial:
Non-owner occupied		446			477
Owner occupied		-			-
Land		-			-
Consumer:
Home equity lines of credit:
Originated for portfolio		20			51
Purchased for portfolio		95			102
Total nonaccrual		1,425			1,548
Total nonperforming loans	$	1,425		$	1,548

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

The following table presents the aging of the recorded investment in past due loans by class of loans as of December 31, 2015:

	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	$	-		$	9		$	28		$	37		$	43,707		$	196
Real estate:
Single-family residential		598			161			148			907			81,078			492
Multi-family residential		-			-			-			-			28,950			-
Commercial:
Non-owner occupied		-			446			-			446			57,573			446
Owner occupied		-			-			-			-			30,169			-
Land		-			-			-			-			8,300			-
Construction		-			-			-			-			24,662			-
Consumer:
Home equity lines of credit:
Originated for portfolio		-			-			-			-			20,789			20
Purchased for portfolio		-			-			-			-			1,048			95
Other		-			-			-			-			6,018			-
Total	$	598		$	616		$	176		$	1,390		$	302,294		$	1,249

The following table presents the aging of the recorded investment in past due loans by class of loans as of December 31, 2014:

	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	$	18		$	-		$	121		$	139		$	46,393		$	248
Real estate:
Single-family residential		521			55			68			644			50,801			481
Multi-family residential		-			-			-			-			28,790			-
Commercial:
Non-owner occupied		115			-			-			115			48,879			477
Owner occupied		-			-			-			-			35,900			-
Land		-			-			-			-			6,225			-
Construction		52			-			-			52			23,589			-
Consumer:
Home equity lines of credit:
Originated for portfolio		-			-			51			51			15,414			-
Purchased for portfolio		30			102			-			132			1,301			102
Other		5			10			-			15			4,961			-
Total	$	741		$	167		$	240		$	1,148		$	262,253		$	1,308

Loans modified as TDRs by class of loans

The following table presents loans modified as TDRs by class of loans during the year ended December 31, 2015:

	Number of Loans			Pre-Modification Outstanding Recorded Investment			Post-Modification Outstanding Recorded Investment
Real estate:
Single-family residential		1		$	9		$	9
Consumer:
Home equity lines of credit:
Originated for portfolio		1			9			9
		2		$	18		$	18

The following table presents loans modified as TDRs by class of loans during the year ended December 31, 2014:

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

Schedule of debtor troubled debt restructuring, subsequent periods

	December 31, 2015			December 31, 2014
Commercial	$	195		$	249
Real estate:
Single-family residential		161			173
Multi-family residential		-			-
Commercial:
Non-owner occupied		-			-
Owner occupied		-			-
Total	$	356		$	422

Financing receivable credit quality indicators

The recorded investment in loans by risk category and by class of loans as of December 31, 2015 and based on the most recent analysis performed follows.  There were no loans rated doubtful at December 31, 2015. 

	Not Rated			Pass			Special Mention			Substandard			Total
Commercial	$	83		$	41,473		$	1,892		$	296		$	43,744
Real estate:
Single-family residential		81,318			-			-			667			81,985
Multi-family residential		2,777			25,466			528			179			28,950
Commercial:
Non-owner occupied		125			54,674			1,852			1,368			58,019
Owner occupied		-			26,923			3,079			167			30,169
Land		-			5,720			-			2,580			8,300
Construction		11,252			13,410			-			-			24,662
Consumer:
Home equity lines of credit:
Originated for portfolio		20,677			-			-			112			20,789
Purchased for portfolio		802			-			-			246			1,048
Other		2,172			3,846			-			-			6,018
	$	119,206		$	171,512		$	7,351		$	5,615		$	303,684

The recorded investment in loans by risk category and class of loans as of December 31, 2014 follows.  There were no loans rated doubtful at December 31, 2014.

	Not Rated			Pass			Special Mention			Substandard			Total
Commercial	$	1,088		$	44,543		$	441		$	460		$	46,532
Real estate:
Single-family residential		50,864			-			-			581			51,445
Multi-family residential		-			26,412			-			2,378			28,790
Commercial:
Non-owner occupied		139			43,547			89			5,219			48,994
Owner occupied		-			33,305			1,507			1,088			35,900
Land		78			3,417			-			2,730			6,225
Construction		8,645			14,996			-			-			23,641
Consumer:
Home equity lines of credit:
Originated for portfolio		15,316			-			-			149			15,465
Purchased for portfolio		857			-			313			263			1,433
Other		4,976			-			-			-			4,976
	$	81,963		$	166,220		$	2,350		$	12,868		$	263,401

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