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Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2017

Loans and Allowance for Loan Losses [Abstract]

Summary of categories of loans

		Total Loans								Nonaccrual Loans
($ in thousands)		Dec. 2017				Dec. 2016				Dec. 2017				Dec. 2016
Commercial & Industrial		$	101,554			$	108,752				121				190
Commercial RE & Construction			332,154				284,084				1,322				1,194
Agricultural & Farmland			51,947				52,475				-				4
Residential Real Estate			150,854				142,452				1,123				1,162
Consumer & Other			59,619				56,335				138				187
Total Loans		$	696,128			$	644,098			$	2,704			$	2,737
Unearned Income		$	487			$	335
Total Loans, net of unearned income		$	696,615			$	644,433
Allowance for loan losses		$	(7,930	)		$	(7,725	)

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

($ in thousands)		2017				2016
Loan commitments and unused lines of credit		$	170,437			$	143,553
Standby letters of credit			1,643				708
Total		$	172,080			$	144,261

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
($ in thousands)		& Industrial				& Construction				& Farmland				Real Estate				& Other				Total
ALLOWANCE FOR LOAN AND LEASE LOSSES
For the Twelve Months Ended December 31, 2017
Beginning balance		$	1,204			$	3,321			$	347			$	1,963			$	890			$	7,725
Charge offs			(50	)			(26	)			-				(61	)			(94	)		$	(231	)
Recoveries			5				2				5				6				18				36
Provision			(336	)			482				153				221				(120	)			400
Ending Balance		$	823			$	3,779			$	505			$	2,129			$	694			$	7,930
Loans Receivable at December 31, 2017
Allowance:
Ending balance:
individually evaluated for impairment		$	-			$	146			$	-			$	178			$	5			$	329
Ending balance:
collectively evaluated for impairment		$	823			$	3,633			$	505			$	1,951			$	689			$	7,601
Loans:
Ending balance:
individually evaluated for impairment		$	-			$	1,385			$	-			$	1,830			$	197			$	3,412
Ending balance:
collectively evaluated for impairment		$	101,554			$	330,769			$	51,947			$	149,024			$	59,422			$	692,716

		Commercial				Commercial RE				Agricultural				Residential				Consumer
($ 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
($ 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, 2017  ($ in thousands)		Commercial  & Industrial				Commercial RE  & Construction				Agricultural  & Farmland				Residential  Real Estate				Consumer  & Other				Total
1-2		$	96			$	13			$	-			$	832			$	1			$	942
3			19,883				93,222				8,080				114,130				57,204				292,519
4			80,448				236,217				43,735				34,271				2,151				396,822
Total Pass (1 - 4)			100,427				329,452				51,815				149,233				59,356				690,283
Special Mention (5)			512				1,100				132				-				66				1,810
Substandard (6)			7				580				-				1,583				197				2,367
Doubtful (7)			608				1,046				-				38				-				1,668
Loss (8)			-				-				-				-				-				-
Total Loans		$	101,554			$	332,154			$	51,947			$	150,854			$	59,619			$	696,128

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

Summary of loan portfolio aging analysis

($ in thousands) December 31, 2017		30-59 Days Past Due				60-89 Days Past Due				Greater Than 90 Days				Total Past  Due				Current				Total Loans  Receivable
Commercial & Industrial		$	85			$	-			$	88			$	173			$	101,381			$	101,554
Commercial RE & Construction			110				-				1,086				1,196				330,958				332,154
Agricultural & Farmland			-				-				-				-				51,947				51,947
Residential Real Estate			484				379				433				1,296				149,558				150,854
Consumer & Other			182				21				103				306				59,313				59,619
Total Loans		$	861			$	400			$	1,710			$	2,971			$	693,157			$	696,128

($ in thousands) December 31, 2016		30-59 Days Past Due				60-89 Days  Past Due				Greater Than 90 Days				Total Past  Due				Current				Total Loans  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

Summary of impaired loan activity

Twelve Months Ended December 31, 2017		Recorded				Unpaid Principal				Related				Average Recorded				Interest Income
		Investment				Balance				Allowance				Investment				Recognized
With no related allowance recorded:
Commercial & Industrial		$	-			$	-			$	-			$	-			$	-
Commercial RE & Construction			696				722				-				756				34
Agricultural & Farmland			-				-				-				-				-
Residential Real Estate			752				795				-				1,460				67
Consumer & Other			110				110				-				128				9
With a specific allowance recorded:
Commercial & Industrial			-				-				-				-				-
Commercial RE & Construction			689				689				146				713				-
Agricultural & Farmland			-				-				-				-				-
Residential Real Estate			1,078				1,097				178				628				25
Consumer & Other			87				87				5				91				5
Totals:
Commercial & Industrial		$	-			$	-			$	-			$	-			$	-
Commercial RE & Construction		$	1,385			$	1,411			$	146			$	1,469			$	34
Agricultural & Farmland		$	-			$	-			$	-			$	-			$	-
Residential Real Estate		$	1,830			$	1,892			$	178			$	2,088			$	92
Consumer & Other		$	197			$	197			$	5			$	219			$	14

Twelve Months Ended December 31, 2016		Recorded				Unpaid Principal				Related				Average Recorded				Interest Income
		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
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

Twelve Months Ended December 31, 2015		Recorded				Unpaid Principal				Related				Average Recorded				Interest Income
		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
With a specific allowance recorded:
Commercial & Industrial			-				-				-				-				-
Commercial RE & Construction			4,644				4,893				1,759				5,006				90
Agricultural & Farmland			-				-				-				-				-
Residential Real Estate			1,056				1,013				167				1,084				45
Consumer & Other			374				374				37				385				22
Totals:
Commercial & Industrial		$	126			$	1,214			$	-			$	1,388			$	-
Commercial RE & Construction		$	5,754			$	6,003			$	1,759			$	6,212			$	117
Agricultural & Farmland		$	-			$	-			$	-			$	-			$	-
Residential Real Estate		$	1,713			$	1,670			$	167			$	1,946			$	97
Consumer & Other		$	464			$	464			$	37			$	492			$	31

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 Only				Term				Combination				Total 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 Only				Term				Combination				Total 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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Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

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