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Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2016

Loans and Allowance for Loan Losses [Abstract]

Summary of categories of loans

		Total Loans								Non-Accrual Loans
($ in thousands)		Dec. 2016				Dec. 2015				Dec. 2016				Dec. 2015
Commercial & Industrial		$	108,752			$	86,542				190				188
Commercial RE & Construction			284,084				242,208				1,194				5,670
Agricultural & Farmland			52,475				43,835				4				7
Residential Real Estate			142,452				130,806				1,162				749
Consumer & Other			56,335				54,224				187				32
Total Loans		$	644,098			$	557,615			$	2,737			$	6,646
Unearned Income		$	335			$	44
Total Loans, net of unearned income		$	644,433			$	557,659
Allowance for loan losses		$	(7,725	)		$	(6,990	)

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

($ in thousands)		2016				2015
Loan commitments and unused lines of credit		$	143,553			$	126,902
Standby letters of credit			708				1,026
Total		$	144,261			$	127,928

Summary of allowance for loan and lease 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, 2016
Beginning balance		$	914			$	3,886			$	204			$	1,312			$	674			$	6,990
Charge Offs			(135	)			(241	)			-				(20	)			(105	)		$	(501	)
Recoveries			408				5				12				2				59				486
Provision			17				(329	)			131				669				262				750
Ending Balance		$	1,204			$	3,321			$	347			$	1,963			$	890			$	7,725
Loans Receivable at December 31, 2016
Allowance:
Ending balance:
individually evaluated for impairment		$	50			$	119			$	-			$	124			$	7			$	300
Ending balance:
collectively evaluated for impairment		$	1,154			$	3,202			$	347			$	1,839			$	883			$	7,425
Loans:
Ending balance:
individually evaluated for impairment		$	50			$	1,578			$	-			$	1,919			$	248			$	3,795
Ending balance:
collectively evaluated for impairment		$	108,702			$	282,506			$	52,475			$	140,533			$	56,087			$	640,303

		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

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

December 31, 2016		Commercial				Commercial RE				Agricultural				Residential				Consumer
($ in thousands)		& Industrial				& Construction				& Farmland				Real Estate				& Other				Total
1-2		$	1,149			$	33			$	9			$	234			$	3			$	1,428
3			28,461				89,406				9,985				113,403				53,386				294,641
4			78,517				188,007				42,481				26,510				2,625				338,140
Total Pass (1 - 4)			108,127				277,446				52,475				140,147				56,014				634,209
Special Mention (5)			-				5,030				-				518				123				5,671
Substandard (6)			150				1,291				-				625				61				2,127
Doubtful (7)			475				317				-				1,162				137				2,091
Loss (8)			-				-				-				-				-				-
Total Loans		$	108,752			$	284,084			$	52,475			$	142,452			$	56,335			$	644,098

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

Summary of loan portfolio aging analysis

($ in thousands)			30-59 Days				60-89 Days				Greater Than				Total Past								Total Loans
December 31, 2016			Past Due				Past Due				90 Days				Due				Current				Receivable
Commercial & Industrial			$	35			$	50			$	104			$	189			$	108,563			$108,752
Commercial RE & Construction				254				883				59				1,196				282,888			284,084
Agricultural & Farmland				-				-				-				-				52,475			52,475
Residential Real Estate				123				201				115				439				142,013			142,452
Consumer & Other				185				45				148				378				55,957			56,335
Total Loans			$	597			$	1,179			$	426			$	2,202			$	641,896			$644,098

($ 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

Summary of impaired loan activity

Twelve Months Ended December 31, 2016		Recorded				Unpaid Principal				Related				Average Recorded				Interest Income
($'s in thousands)		Investment				Balance				Allowance				Investment				Recognized
With no related allowance recorded:
Commercial & Industrial		$	-			$	-			$	-			$	-			$	-
Commercial RE & Construction			637				637				-				655				24
Agricultural & Farmland			-				-				-				-				-
Residential Real Estate			1,248				1,290				-				1,470				70
Consumer & Other			129				129				-				151				11
All Impaired Loans < $100,000			452				452				-				452				-
With a specific allowance recorded:
Commercial & Industrial			50				50				50				50				3
Commercial RE & Construction			941				941				119				1,010				45
Agricultural & Farmland			-				-				-				-				-
Residential Real Estate			671				672				124				751				30
Consumer & Other			119				118				7				123				7
Totals:
Commercial & Industrial		$	50			$	50			$	50			$	50			$	3
Commercial RE & Construction		$	1,578			$	1,578			$	119			$	1,665			$	69
Agricultural & Farmland		$	-			$	-			$	-			$	-			$	-
Residential Real Estate		$	1,919			$	1,962			$	124			$	2,221			$	100
Consumer & Other		$	248			$	247			$	7			$	274			$	18
All Impaired Loans < $100,000		$	452			$	452			$	-			$	452			$	-

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			$	-

Summary of newly restructured loans by type of modification

		December 31, 2016
($ in thousands)		Number of Loans				Pre-Modification   Recorded Balance				Post Modification Recorded Balance
Residential Real Estate			1			$	220			$	220
Commercial			1				307				307
Total Modifications			2			$	527			$	527

($ in thousands)		Interest												Total
		Only				Term				Combination				Modification
Residential Real Estate		$	-			$	220			$	-			$	220
Commercial			-				307				-				307
Total Modifications		$	-			$	527			$	-			$	527

		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

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Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

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