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Income Taxes (Tables)

12 Months Ended

Dec. 31, 2015

Income Taxes [Abstract]

Schedule of provision for income taxes

($ in thousands)		For The Year Ended December 31,
		2015				2014
Taxes currently payable		$	1,885			$	1,424
Deferred provision			1,519				661
Income tax expense		$	3,404			$	2,085

Schedule of reconciliation of income tax expense

($ in thousands)		For The Year Ended December 31,
		2015				2014
Computed at the statutory rate (34%)		$	3,748			$	2,498
Increase (decrease) resulting from
Tax exempt interest			(240	)			(240	)
BOLI Income			(99	)			(138	)
Other			(5	)			(35	)
Actual tax expense		$	3,404			$	2,085

Schedule of deferred tax

($ in thousands)		At December 31,
		2015				2014
Deferred tax assets
Allowance for loan losses		$	2,377			$	2,302
Net deferred loan fees			104				80
AMT credit carry over			-				542
Other			757				787
			3,238				3,711
Deferred tax liabilities
Depreciation			(1,335	)			(995	)
Mortgage servicing rights			(2,468	)			(1,939	)
Unrealized gains on available-for-sale securities			(335	)			(473	)
Purchase accounting adjustments			(1,489	)			(1,319	)
Prepaids			(285	)			(277	)
FHLB stock dividends			(465	)			(466	)
			(6,377	)			(5,469	)
Net deferred tax liability		$	(3,139	)		$	(1,758	)

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- References

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- Definition

Tabular disclosure of the components of income tax expense attributable to continuing operations for each year presented including, but not limited to: current tax expense (benefit), deferred tax expense (benefit), investment tax credits, government grants, the benefits of operating loss carryforwards, tax expense that results from allocating certain tax benefits either directly to contributed capital or to reduce goodwill or other noncurrent intangible assets of an acquired entity, adjustments of a deferred tax liability or asset for enacted changes in tax laws or rates or a change in the tax status of the entity, and adjustments of the beginning-of-the-year balances of a valuation allowance because of a change in circumstances that causes a change in judgment about the realizability of the related deferred tax asset in future years.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 9
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

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- Definition

Tabular disclosure of the components of net deferred tax asset or liability recognized in an entity's statement of financial position, including the following: the total of all deferred tax liabilities, the total of all deferred tax assets, the total valuation allowance recognized for deferred tax assets.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319

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- Definition

Tabular disclosure of the reconciliation using percentage or dollar amounts of the reported amount of income tax expense attributable to continuing operations for the year to the amount of income tax expense that would result from applying domestic federal statutory tax rates to pretax income from continuing operations.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

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