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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 Loans, Net

		December 31,
		2015			2014
Commercial		$76,773			$63,259
Commercial real estate		217,125			207,262
Consumer		81,531			76,380
Residential		59,699			52,462
Total loans (1)		435,128			399,363
Less allowance for loan losses		4,683			4,790
Net loans		$430,445			$394,573

(1) Includes net deferred loan costs of $263 and $330, respectively.

Loans On Non-Accrual Status

Loans on Non-Accrual Status
	As of December 31,
	2015	2014
Commercial	$483	$1,965
Commercial Real Estate:
Commercial Mortgages-Owner Occupied	799	212
Commercial Mortgages-Non-Owner Occupied	514	70
Commercial Construction	367	460
Consumer
Consumer Unsecured	31	-
Consumer Secured	269	20
Residential:
Residential Mortgages	695	689
Residential Consumer Construction	248	90
Totals	$3,406	$3,506

Impaired Loans

		Impaired Loans
		As of and for the Year Ended December 31, 2015
				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
2015		Investment		Balance		Allowance		Investment		Recognized
With No Related Allowance Recorded:
	Commercial	$        -		$                -		$                    -		$         1,009		$               -
	Commercial Real Estate
	Commercial Mortgages-Owner Occupied	3,082		3,100		-		2,959		174
	Commercial Mortgage Non-Owner Occupied	177		177		-		628		12
	Commercial Construction	27		514		-		244		-
	Consumer
	Consumer Unsecured	-		-		-		-		-
	Consumer Secured	20		20		-		21		1
	Residential
	Residential Mortgages	1,997		2,027		-		1,466		86
	Residential Consumer Construction	171		176		-		86		4
With an Allowance Recorded:
	Commercial	$        1,180		$                   1,256		$                6100		$         1,293		$              38
	Commercial Real Estate
	Commercial Mortgages-Owner Occupied	877		883		163		865		35
	Commercial Mortgage Non-Owner Occupied	672		738		175		399		38
	Commercial Construction	340		700		75		170		-
	Consumer
	Consumer Unsecured	31		32		31		16		1
	Consumer Secured	190		193		153		155		10
	Residential
	Residential Mortgages	650		800		87		740		42
	Residential Consumer Construction	-		-		-		-		-
Totals:
	Commercial	$        1,180		$                1,256		$                610		$         2,302		$               38
	Commercial Real Estate
	Commercial Mortgages-Owner Occupied	3,959		3,983		163		3,824		209
	Commercial Mortgage Non-Owner Occupied	849		915		175		1,027		50
	Commercial Construction	367		1,214		75		414		-
	Consumer
	Consumer Unsecured	31		32		31		16		1
	Consumer Secured	210		213		153		176		11
	Residential
	Residential Mortgages	2,647		2,827		87		2,206		128
	Residential Consumer Construction	171		176		-		86		4
		$      9,414		$              10,616		$             1,294		$       10,051		$          441

Note 5 - Loans and allowance for loan losses (continued)

		Impaired Loans
		As of and for the Year Ended December 31, 2014
2014		Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
With No Related Allowance Recorded:
	Commercial	$2,017		$2,280		$             -		$2,641		$63
	Commercial Real Estate
	Commercial Mortgages-Owner Occupied	2,835		2,835		-		1,687		152
	Commercial Mortgage Non-Owner Occupied	1,078		1,128		-		1,041		75
	Commercial Construction	460		1,194		-		606		-
	Consumer
	Consumer Unsecured	-		-		-		-		-
	Consumer Secured	21		21		-		21		1
	Residential
	Residential Mortgages	934		1,058		-		702		58
	Residential Consumer Construction	-		-		-		-		-
With An Allowance Recorded:
	Commercial	$1,406		$1,861		$713		$990		$29
	Commercial Real Estate
	Commercial Mortgages-Owner Occupied	852		1,029		63		1,636		36
	Commercial Mortgage Non-Owner Occupied	126		126		32		173		7
	Commercial Construction	-		-		-		-		-
	Consumer
	Consumer Unsecured	-		-		-		-		-
	Consumer Secured	119		119		119		80		7
	Residential
	Residential Mortgages	829		968		131		1,257		52
	Residential Consumer Construction	-		-		-		-		-
Totals:
	Commercial	$3,423		$4,141		$713		$3,631		$92
	Commercial Real Estate
	Commercial Mortgages-Owner Occupied	3,687		3,864		63		3,323		188
	Commercial Mortgage Non-Owner Occupied	1,204		1,254		32		1,214		82
	Commercial Construction	460		1,194		-		606		-
	Consumer
	Consumer Unsecured	-		-		-		-		-
	Consumer Secured	140		140		119		101		8
	Residential
	Residential Mortgages	1,763		2,026		131		1,959		110
	Residential Consumer Construction	-		-		-		-		-
		$10,677		$12,619		$1,058		$10,834		$480

Effect On Loan Loss Provision, Changes In Methodology In Prior Periods

Portfolio Segment:	Calculated Provision Based on Current Methodology	Calculated Provision Based on Prior Methodology	Difference
Commercial	$334	$234	$100
Commercial Real Estate	(260)	(1,006)	746
Consumer	(83)	(259)	176
Residential	64	41	23
Total	$55	$(990)	$1,045

Allowance For Loan Losses And Recorded Investment In Loans

Allowance for Loan Losses and Recorded Investment in Loans

For the Year Ended December 31, 2015

				Commercial
2015		Commercial		Real Estate		Consumer		Residential		Total
Allowance for Loan Losses:
Beginning Balance		$1,235		$2,194		$812		$549		$4,790
Charge-offs		(294)		(64)		(257)		-		(615)
Recoveries		14		122		54		36		226
Provision		240		(501)		464		79		282
Ending Balance		$1,195		$1,751		$1,073		$664		$4,683
Ending Balance: Individually evaluated for impairment		$610		$413		$184		$87		$1,294
Ending Balance: Collectively evaluated for impairment		585		1,338		889		577		3,389
Totals:		$1,195		$1,751		$1,073		$664		$4,683
Loans:
Ending Balance: Individually evaluated for impairment		$1,180		$5,175		$241		$2,818		$9,414
Ending Balance: Collectively evaluated for impairment		75,593		211,950		81,290		56,881		425,714
Totals:		$76,773		$217,125		$81,531		$59,699		$435,128

Note 5 - Loans and allowance for loan losses (continued)

Allowance for Loan Losses and Recorded Investment in Loans

For the Year Ended December 31, 2014

				Commercial
2014		Commercial		Real Estate		Consumer		Residential		Total
Allowance for Loan Losses:
Beginning Balance		$1,015		$2,631		$935		$605		$5,186
Charge-offs		(165)		(187)		(79)		(120)		(551)
Recoveries		51		10		39		-		100
Provision		334		(260)		(83)		64		55
Ending Balance		$1,235		$2,194		$812		$549		$4,790
Ending Balance: Individually evaluated for impairment		$713		$95		$119		$131		$1,058
Ending Balance: Collectively evaluated for impairment		522		2,099		693		418		3,732
Totals:		$1,235		$2,194		$812		$549		$4,790
Loans:
Ending Balance: Individually evaluated for impairment		$3,423		$5,351		$140		$1,763		$10,677
Ending Balance: Collectively evaluated for impairment		59,386		201,911		76,240		50,699		388,686
Totals:		$63,259		$207,262		$76,380		$52,462		$399,363

Age Analysis Of Past Due Financing Receivables

Age Analysis of Past Due Loans as of December 31, 2015
2015	30-59 Days Past Due	60-89 Days Past Due	Greater than 90 Days	Total Past Due	Current	Total Loans	Recorded Investment > 90 Days & Accruing
Commercial	$     -	$244	$483	$727	$76,046	$76,773	$             -
Commercial Real Estate:
Commercial Mortgages-Owner Occupied	425	571	426	1,422	75,549	76,971	-
Commercial Mortgages-Non-Owner Occupied	189	90	438	717	126,138	126,855	-
Commercial Construction	-	-	367	367	12,932	13,299	-
Consumer:
Consumer Unsecured	2	-	31	33	6,828	6,861	-
Consumer Secured	198	68	128	394	74,276	74,670	-
Residential:
Residential Mortgages	512	468	543	1,523	48,490	50,013	-
Residential Consumer Construction	-	-	248	248	9,438	9,686	-
Total	$1,326	$1,441	$2,664	$5,431	$429,697	$435,128	$            -

Age Analysis of Past Due Loans as of December 31, 2014
2014	30-59 Days Past Due	60-89 Days Past Due	Greater than 90 Days	Total Past Due	Current	Total Loans	Recorded Investment > 90 Days & Accruing
Commercial	$21	$80	$1,965	$2,066	$61,193	$63,259	$             -
Commercial Real Estate:
Commercial Mortgages-Owner Occupied	192	-	212	404	77,304	77,708	-
Commercial Mortgages-Non-Owner Occupied	86	-	70	156	119,019	119,175	-
Commercial Construction	-	-	460	460	9,919	10,379	-
Consumer:
Consumer Unsecured	11	-	-	11	5,749	5,760	-
Consumer Secured	15	-	-	15	70,605	70,620	-
Residential:
Residential Mortgages	626	48	525	1,199	43,745	44,944	-
Residential Consumer Construction	29	-	-	29	7,489	7,518	-
Total	$980	$128	$3,232	$4,340	$395,023	$399,363	$            -

Credit Quality Information-By Class

Credit Quality Information - by Class

December 31, 2015

2015	Pass	Monitor	Special	Substandard	Doubtful	Totals
			Mention
Commercial	$73,831	$290	$1,457	$1,195	$     -	$76,773
Commercial Real Estate:
Commercial Mortgages-Owner Occupied	68,813	1,353	2,801	4,004	-	76,971
Commercial Mortgages-Non-Owner Occupied	120,462	1,558	3,895	940	-	126,855
Commercial Construction	12,932	-	-	367	-	13,299
Consumer
Consumer Unsecured	6,830	-	-	31	-	6,861
Consumer Secured	73,825	276	50	519	-	74,670
Residential:
Residential Mortgages	47,180	-	-	2,833	-	50,013
Residential Consumer Construction	9,438	-	-	248	-	9,686
Totals	$413,311	$3,477	$8,203	$10,137	$     -	$435,128

Credit Quality Information - by Class

December 31, 2014

2014	Pass	Monitor	Special	Substandard	Doubtful	Totals
			Mention
Commercial	$58,745	$725	$224	$3,565	$     -	$63,259
Commercial Real Estate:
Commercial Mortgages-Owner Occupied	71,087	1,718	1,216	3,687	-	77,708
Commercial Mortgages-Non-Owner Occupied	112,560	1,586	3,971	1,058	-	119,175
Commercial Construction	9,919	-	-	460	-	10,379
Consumer
Consumer Unsecured	5,673	-	-	87	-	5,760
Consumer Secured	69,527	554	136	403	-	70,620
Residential:
Residential Mortgages	41,578	1,258	120	1,988	-	44,944
Residential Consumer Construction	7,428	-	-	90	-	7,518
Totals	$376,517	$5,841	$5,667	$11,338	$     -	$399,363

Loan modifications classified as TDR's

For the Twelve Months Ended December 31, 2015 (dollars in thousands)
Troubled Debt Restructurings During the Period		Number of Contracts		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial		1		$21		$21
Commercial Real Estate		2		$456		$456

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