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Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2015

Loans and Allowance For Loan Losses [Abstract]

Summary of categories of loans

		Total Loans								Non-Accrual Loans
($ in thousands)		Dec. 2015				Dec. 2014				Dec. 2015				Dec. 2014
Commercial & Industrial		$	86,542			$	88,485				188				1,387
Commercial RE & Construction			242,208				217,030				5,670				2,092
Agricultural & Farmland			43,835				46,217				7				-
Residential Real Estate			130,806				113,214				749				992
Consumer & Other			54,224				51,546				32				138
Total Loans		$	557,615			$	516,492			$	6,646			$	4,609
Unearned Income		$	44			$	(156	)
Total Loans, net of unearned income		$	557,659			$	516,336
Allowance for loan losses		$	(6,990	)		$	(6,771	)

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

($ in thousands)		2015				2014
Loan commitments and unused lines of credit		$	126,902			$	105,136
Standby letters of credit			1,026				672
Total		$	127,928			$	105,808

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, 2015
Beginning balance		$	1,630			$	2,857			$	208			$	1,308			$	768			$	6,771
Charge Offs			(497	)			(303	)			-				(56	)			(96	)		$	(952	)
Recoveries			26				3				3				29				10				71
Provision			(245	)			1,329				(7	)			31				(8	)			1,100
Ending Balance		$	914			$	3,886			$	204			$	1,312			$	674			$	6,990
Loans Receivable at December 31, 2015
Allowance:
Ending balance:
individually evaluated for impairment		$	-			$	1,759			$	-			$	167			$	37			$	1,963
Ending balance:
collectively evaluated for impairment		$	914			$	2,127			$	204			$	1,145			$	637			$	5,027
Loans:
Ending balance:
individually evaluated for impairment		$	126			$	5,754			$	-			$	1,713			$	464			$	8,057
Ending balance:
collectively evaluated for impairment		$	86,416			$	236,454			$	43,835			$	129,093			$	53,760			$	549,558

		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			$	769			$	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			$	728			$	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

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

December 31, 2015		Commercial				Commercial RE				Agricultural				Residential				Consumer
($ in thousands)		& Industrial				& Construction				& Farmland				Real Estate				& Other				Total
1-2		$	709			$	767			$	47			$	-			$	15			$	1,538
3			23,362				79,915				8,195				118,463				50,745				280,680
4			61,799				149,473				35,593				10,418				3,223				260,506
Total Pass (1 - 4)			85,870				230,155				43,835				128,881				53,983				542,724
Special Mention (5)			330				5,260				-				756				70				6,416
Substandard (6)			110				1,072				-				420				139				1,741
Doubtful (7)			232				5,721				-				749				32				6,734
Loss (8)			-				-				-				-				-				-
Total Loans		$	86,542			$	242,208			$	43,835			$	130,806			$	54,224			$	557,615

December 31, 2014		Commercial				Commercial RE				Agricultural				Residential				Consumer
($ in thousands)		& Industrial				& Construction				& Farmland				Real Estate				& Other				Total
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

Summary of loan portfolio aging analysis

($ in thousands)		30-59 Days				60-89 Days				Greater Than				Total Past								Total Loans
December 31, 2015		Past Due				Past Due				90 Days				Due				Current				Receivable
Commercial & Industrial		$	-			$	60			$	188			$	248			$	86,294			$	86,542
Commercial RE & Construction			99				-				5,280				5,379				236,829				242,208
Agricultural & Farmland			-				-				-				-				43,835				43,835
Residential Real Estate			98				198				156				452				130,354				130,806
Consumer & Other			64				-				2				66				54,158				54,224
Total Loans		$	261			$	258			$	5,626			$	6,145			$	551,470			$	557,615

($ in thousands)		30-59 Days				60-89 Days				Greater Than				Total Past								Total Loans
December 31, 2014		Past Due				Past Due				90 Days				Due				Current				Receivable
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

Summary of Impaired loan activity

Twelve Months Ended December 31, 2015		Recorded				Unpaid Principal				Related				Average Recorded				Interest Income
($'s in thousands)		Investment				Balance				Allowance				Investment				Recognized
With no related allowance recorded:
Commercial & Industrial		$	126			$	1,214			$	-			$	1,388			$	-
Commercial RE & Construction			1,110				1,110				-				1,206				27
Agricultural & Farmland			-				-				-				-				-
Residential Real Estate			657				657				-				862				52
Consumer & Other			90				90				-				107				9
All Impaired Loans < $100,000			131				131				-				131				-
With a specific allowance recorded:
Commercial & Industrial			-				-				-				-				-
Commercial RE & Construction			4,643				4,893				1,759				5,006				90
Agricultural & Farmland			-				-				-				-				-
Residential Real Estate			1,013				1,013				167				1,084				45
Consumer & Other			374				374				37				385				22
Totals:
Commercial & Industrial		$	126			$	1,214			$	-			$	1,388			$	-
Commercial RE & Construction		$	5,753			$	6,003			$	1,759			$	6,212			$	117
Agricultural & Farmland		$	-			$	-			$	-			$	-			$	-
Residential Real Estate		$	1,670			$	1,670			$	167			$	1,946			$	97
Consumer & Other		$	464			$	464			$	37			$	492			$	31
All Impaired Loans < $100,000		$	131			$	131			$	-			$	131			$	-

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			11				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		$	382			$	481			$	41			$	526			$	30
All Impaired Loans < $100,000		$	565			$	565			$	-			$	565			$	-

Summary of newly restructured loans by type of modification

		December 31, 2015
($ in thousands)		Number of Loans				Pre- Modification  Recorded Balance				Post Modification Recorded Balance
Residential Real Estate			1			$	22			$	22
Commercial			1				314				314
Consumer & Other			1				39				39
Total Modifications			3			$	375			$	375

($ in thousands)		Interest												Total
		Only				Term				Combination				Modification
Residential Real Estate		$	-			$	22			$	-			$	22
Commercial			-				314				-				314
Consumer & Other			-				39				-				39
Total Modifications		$	-			$	375			$	-			$	375

		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

Summary of troubled debt restructurings modified subsequently defaulted

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

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