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Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2014

Loans and Allowance For Loan Losses [Abstract]

Summary of categories of loans

	($ in thousands)		Total Loans								Non-Accrual Loans
			2014				2013				2014				2013
	Commercial & Industrial		$	88,485			$	85,642				1,387				2,316
	Commercial RE & Construction			217,030				205,301				2,092				532
	Agricultural & Farmland			46,217				39,210				-				-
	Residential Real Estate			113,214				99,620				992				1,651
	Consumer & Other			51,546				47,804				138				345
	Total Loans		$	516,492			$	477,577			$	4,609			$	4,844
	Unearned Income		$	(156	)		$	(274	)
	Total Loans, net of unearned income		$	516,336			$	477,303
	Allowance for loan losses		$	(6,771	)		$	(6,964	)

summary loan commitments, unused lines of credit and standby letters of credit

	($ in thousands)		2014				2013
	Loan commitments and unused lines of credit		$	105,136			$	93,286
	Standby letters of credit			672				1,021
	Total		$	105,808			$	94,307

Summary of allowance for loan losses and recorded investment in loans based on portfolio segment and impairment method

		Commercial				Commercial RE &				Agricultural				Residential				Consumer
	($'s in thousands)		& Industrial				Construction				& Farmland				Real Estate				& Other				Total
	ALLOWANCE FOR LOAN AND LEASE LOSSES
	For the Twelve Months Ended
	December 31, 2014
	Beginning balance		$	2,175			$	2,708			$	159			$	1,067			$	855			$	6,964
	Charge Offs			(607	)			(13	)			-				(92	)			(135	)		$	(847	)
	Recoveries			19				125				3				32				25				204
	Provision			43				37				46				301				23				450
	Ending Balance		$	1,630			$	2,857			$	208			$	1,308			$	768			$	6,771
	Loans Receivable at December 31, 2014
	Allowance:
	Ending balance:
	individually evaluated for impairment		$	510			$	1,018			$	-			$	242			$	41			$	1,811
	Ending balance:
	collectively evaluated for impairment		$	1,120			$	1,839			$	208			$	1,066			$	727			$	4,960
	Loans:
	Ending balance:
	individually evaluated for impairment		$	1,268			$	2,035			$	-			$	1,647			$	481			$	5,431
	Ending balance:
	collectively evaluated for impairment		$	87,217			$	214,995			$	46,217			$	111,567			$	51,065			$	511,061

			Commercial				Commercial RE &				Agricultural				Residential				Consumer
	($'s in thousands)		& Industrial				Construction				& Farmland				Real Estate				& Other				Total
	ALLOWANCE FOR LOAN AND LEASE LOSSES
	For the Twelve Months Ended
	December 31, 2013
	Beginning balance		$	1,561			$	3,034			$	186			$	1,088			$	942			$	6,811
	Charge Offs			(1	)			(111	)			-				(264	)			(443	)		$	(819	)
	Recoveries			18				17				4				21				12				72
	Provision			597				(232	)			(31	)			222				344				900
	Ending Balance		$	2,175			$	2,708			$	159			$	1,067			$	855			$	6,964
	Loans Receivable at December 31, 2013
	Allowance:
	Ending balance:
	individually evaluated for impairment		$	1,079			$	56			$	-			$	192			$	168			$	1,495
	Ending balance:
	collectively evaluated for impairment		$	1,096			$	2,652			$	159			$	875			$	687			$	5,469
	Loans:
	Ending balance:
	individually evaluated for impairment		$	2,116			$	649			$	-			$	1,985			$	590			$	5,340
	Ending balance:
	collectively evaluated for impairment		$	83,526			$	204,652			$	39,210			$	97,635			$	47,214			$	472,237

Summary of credit risk profile of the Company's loan portfolio based on rating category

	December 31, 2014		Commercial				Commercial RE &				Agricultural				Residential				Consumer
	Loan Grade		& Industrial				Construction				& Farmland				Real Estate				& Other				Total
	($ in thousands)
	1-2		$	1,148			$	66			$	61			$	-			$	-			$	1,275
	3			23,580				67,779				9,505				105,149				47,795				253,808
	4			61,691				136,427				36,651				5,611				3,465				243,845
	Total Pass (1 - 4)			86,419				204,272				46,217				110,760				51,260				498,928
	Special Mention (5)			83				6,224				-				1,160				84				7,551
	Substandard (6)			752				4,422				-				312				55				5,541
	Doubtful (7)			1,231				2,112				-				982				147				4,472
	Loss (8)			-				-				-				-				-				-
	Total Loans		$	88,485			$	217,030			$	46,217			$	113,214			$	51,546			$	516,492

	December 31, 2013		Commercial				Commercial RE &				Agricultural				Residential				Consumer
	Loan Grade		& Industrial				Construction				& Farmland				Real Estate				& Other				Total
	($ in thousands)
	1-2		$	1,619			$	81			$	76			$	-			$	87			$	1,863
	3			22,328				44,095				6,543				90,606				43,250				206,822
	4			56,188				146,861				32,591				5,700				3,782				245,122
	Total Pass (1 - 4)			80,135				191,037				39,210				96,306				47,119				453,807
	Special Mention (5)			3,159				8,917				-				1,373				86				13,535
	Substandard (6)			32				4,815				-				290				84				5,221
	Doubtful (7)			2,316				532				-				1,651				515				5,014
	Loss (8)			-				-				-				-				-				-
	Total Loans		$	85,642			$	205,301			$	39,210			$	99,620			$	47,804			$	477,577

Summary of loan portfolio aging analysis

			30-59 Days				60-89 Days				Greater Than				Total Past								Total  Loans
	December 31, 2014		Past Due				Past Due				90 Days				Due				Current				Receivable
	($ in thousands)
	Commercial & Industrial		$	-			$	-			$	987			$	987			$	87,498			$	88,485
	Commercial RE & Construction			3,660				-				1,747				5,407				211,623				217,030
	Agricultural & Farmland			-				-				-				-				46,217				46,217
	Residential Real Estate			164				19				377				560				112,654				113,214
	Consumer & Other			39				81				-				120				51,426				51,546
	Total Loans		$	3,863			$	100			$	3,111			$	7,074			$	509,418			$	516,492
				30-59 Days				60-89 Days				Greater Than				Total Past								Total Loans
	December 31, 2013			Past Due				Past Due				90 Days				Due				Current				Receivable
	($ in thousands)
	Commercial & Industrial		$	-			$	-			$	1,890			$	1,890			$	83,752			$	85,642
	Commercial RE & Construction			424				364				168				956				204,345				205,301
	Agricultural & Farmland			-				-				-				-				39,210				39,210
	Residential Real Estate			-				14				453				467				99,153				99,620
	Consumer & Other			22				34				98				154				47,650				47,804
	Total Loans		$	446			$	412			$	2,609			$	3,467			$	474,110			$	477,577

Summary of Impaired loan activity

	Twelve Months Ended December 31, 2014		Recorded				Unpaid Principal				Related				Average Recorded				Interest Income
	($'s in thousands)		Investment				Balance				Allowance				Investment				Recognized
	With no related allowance recorded:
	Commercial & Industrial		$	316			$	316			$	-			$	316			$	-
	Commercial RE & Construction			530				530				-				571				20
	Agricultural & Farmland			-				-				-				-				-
	Residential Real Estate			567				611				-				734				49
	Consumer & Other			110				110				-				124				10
	All Impaired Loans < $100,000			565				565				-				565				-
	With a specific allowance recorded:
	Commercial & Industrial			952				1,552				510				1,605				-
	Commercial RE & Construction			1,505				1,505				1,018				1,521				60
	Agricultural & Farmland			-				-				-				-				-
	Residential Real Estate			1,080				1,080				242				1,146				47
	Consumer & Other			371				371				41				402				20
	Totals:
	Commercial & Industrial		$	1,268			$	1,868			$	510			$	1,921			$	-
	Commercial RE & Construction		$	2,035			$	2,035			$	1,018			$	2,092			$	80
	Agricultural & Farmland		$	-			$	-			$	-			$	-			$	-
	Residential Real Estate		$	1,647			$	1,691			$	242			$	1,880			$	96
	Consumer & Other		$	481			$	481			$	41			$	526			$	30
	All Impaired Loans < $100,000		$	565			$	565			$	-			$	565			$	-
	Twelve Months Ended December 31, 2013			Recorded				Unpaid Principal				Related				Average Recorded				Interest Income
	($'s in thousands)			Investment				Balance				Allowance				Investment				Recognized
	With no related allowance recorded:
	Commercial & Industrial		$	316			$	316			$	-			$	335			$	13
	Commercial RE & Construction			389				442				-				579				16
	Agricultural & Farmland			-				-				-				-				-
	Residential Real Estate			1,131				1,131				-				1,315				65
	Consumer & Other			252				252				-				268				14
	All Impaired Loans < $100,000			1,242				1,242				-				1,242				-
	With a specific allowance recorded:
	Commercial & Industrial			1,800				1,800				1,079				1,780				44
	Commercial RE & Construction			260				260				56				318				14
	Agricultural & Farmland			-				-				-				-				-
	Residential Real Estate			854				854				192				921				41
	Consumer & Other			338				338				168				371				25
	Totals:
	Commercial & Industrial		$	2,116			$	2,116			$	1,079			$	2,115			$	57
	Commercial RE & Construction		$	649			$	702			$	56			$	897			$	30
	Agricultural & Farmland		$	-			$	-			$	-			$	-			$	-
	Residential Real Estate		$	1,985			$	1,985			$	192			$	2,236			$	106
	Consumer & Other		$	590			$	590			$	168			$	639			$	39
	All Impaired Loans < $100,000		$	1,242			$	1,242			$	-			$	1,242			$	-

Summary of newly restructured loans by type of modification

			December 31, 2014
	($ in thousands)		Number of Loans				Pre- Modification Recorded Balance				Post Modification Recorded Balance
	Residential Real Estate			-			$	-			$	-
	Consumer & Other			1				16				16
	Total Modifications			1			$	16			$	16
	($ in thousands)			Interest												Total
				Only				Term				Combination				Modification
	Residential Real Estate		$	-			$	-			$	-			$	-
	Consumer & Other			-				16				-				16
	Total Modifications		$	-			$	16			$	-			$	16

			December 31, 2013
	($ in thousands)		Number of Loans				Pre- Modification Recorded Balance				Post Modification Recorded Balance
	Residential Real Estate			1			$	12			$	12
	Home Equity & Consumer			1				10				10
	Total Modifications			2			$	22			$	22
	($ in thousands)			Interest												Total
				Only				Term				Combination				Modification
	Residential Real Estate		$	-			$	12			$	-			$	12
	Home Equity & Consumer			-				10				-				10
	Total Modifications		$	-			$	22			$	-			$	22

Summary of troubled debt restructurings modified subsequently defaulted

			Number of				Recorded
	($ in thousands)		Contracts				Balance
	Residential Real Estate			2			$	197
				2				197

			Number of				Recorded
	($ in thousands)		Contracts				Balance
	Residential Real Estate			4			$	63
				4			$	63

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