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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 Loans, Net


		December 31,
		2016			2015

Commercial		$88,085			$76,773
Commercial real estate		237,638			217,125
Consumer		85,099			81,531
Residential		59,247			59,699

               Total loans (1)		470,069			435,128

Less allowance for loan losses		5,716			4,683

               Net loans		$464,353			$430,445



(1) Includes net deferred loan costs of $182 and $263, respectively.

Loans On Non-Accrual Status



Loans on Non-Accrual Status


	As of December 31,
	2016	2015
Commercial	$915	$483
Commercial Real Estate:
   Commercial Mortgages-Owner Occupied	855	799
   Commercial Mortgages-Non-Owner Occupied	-	514
   Commercial Construction	256	367
Consumer
   Consumer Unsecured	-	31
   Consumer Secured	80	269
Residential:
   Residential Mortgages	1,292	695
   Residential Consumer Construction	67	248

     Totals	$3,465	$3,406



Impaired Loans

		Impaired Loans
		As of and for the Year Ended December 31, 2016
				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
2016		Investment		Balance		Allowance		Investment		Recognized
With No Related Allowance Recorded:
	Commercial	$       698		$              698		$                    -		$         349		$            37
	Commercial Real Estate
	Commercial Mortgages-Owner Occupied	3,019		3,077		-		3,051		142
	Commercial Mortgage Non-Owner Occupied	349		349		-		263		23
	Commercial Construction	-		-		-		14		-
	Consumer
	Consumer Unsecured	-		-		-		-		-
	Consumer Secured	18		18		-		19		1
	Residential
	Residential Mortgages	1,555		1,687		-		1,776		55
	Residential Consumer Construction	-		-		-		86		-

With an Allowance Recorded:
	Commercial	$        1,521		$                   1,521		$       1,233		$         1,351		$            81
	Commercial Real Estate
	Commercial Mortgages-Owner Occupied	1,587		1,618		249		1,232		81
	Commercial Mortgage Non-Owner Occupied	74		74		20		373		6
	Commercial Construction	169		657		76		255		-
	Consumer
	Consumer Unsecured	-		-		-		16		-
	Consumer Secured	110		110		110		150		8
	Residential
	Residential Mortgages	699		736		83		675		30
	Residential Consumer Construction	-		-		-		-		-

Totals:
	Commercial	$        2,219		$                2,219		$         1,233		$         1,700		$            118
	Commercial Real Estate
	Commercial Mortgages-Owner Occupied	4,606		4,695		249		4,283		223
	Commercial Mortgage Non-Owner Occupied	423		423		20		636		29
	Commercial Construction	169		657		76		269		-
	Consumer
	Consumer Unsecured	-		-		-		16		-
	Consumer Secured	128		128		110		169		9
	Residential
	Residential Mortgages	2,254		2,423		83		2,451		85
	Residential Consumer Construction	-		-		-		86		-
		$      9,799		$              10,545		$          1,771		$       9,610		$          464





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




		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



Allowance For Loan Losses And Recorded Investment In Loans

Allowance for Loan Losses and Recorded Investment in Loans

For the Year Ended December 31, 2016


				Commercial
2016		Commercial		Real Estate		Consumer		Residential		Total

Allowance for Loan Losses:

Beginning Balance		$1,195		$1,751		$1,073		$664		$4,683
Charge-offs		(328)		(156)		(275)		-		(759)
Recoveries		7		127		44		2		180
Provision		1,318		387		112		(205)		1,612
Ending Balance		$2,192		$2,109		$954		$461		$5,716

Ending Balance: Individually evaluated for impairment		$1,233		$345		$110		$83		$1,771

Ending Balance: Collectively evaluated for impairment		959		1,764		844		378		3,945


Totals:		$2,192		$2,109		$954		$461		$5,716

Loans:

Ending Balance: Individually evaluated for impairment		$2,219		$5,198		$128		$2,254		$9,799

Ending Balance: Collectively evaluated for impairment		85,866		232,440		84,971		56,993		460,270

Totals:		$88,085		$237,638		$85,099		$59,247		$470,069













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





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



Age Analysis Of Past Due Financing Receivables


Age Analysis of Past Due Loans as of December 31, 2016
2016	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	$283	$5	$78	$366	$87,719	$88,085	$             -
Commercial Real Estate:
   Commercial Mortgages-Owner Occupied	1,136	72	855	2,063	88,698	90,761	-
   Commercial Mortgages-Non-Owner Occupied	140	-	-	140	134,262	134,402	-
   Commercial Construction	-	-	256	256	12,219	12,475	-
Consumer:
   Consumer Unsecured	9	-	-	9	8,558	8,567	-
   Consumer Secured	531	301	-	832	75,700	76,532	-
Residential:
   Residential Mortgages	539	161	1,063	1,763	49,525	51,288	-
   Residential Consumer Construction	-	-	67	67	7,892	7,959	-
Total	$2,638	$539	$2,319	$5,496	$464,573	$470,069	$            -






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	$            -



Credit Quality Information-By Class

Credit Quality Information - by Class

December 31, 2016

2016	Pass	Monitor	Special	Substandard	Doubtful	Totals
			Mention
Commercial	$83,912	$1,473	$301	$1,484	$915	$88,085
Commercial Real Estate:
Commercial Mortgages-Owner Occupied	83,008	2,975	101	4,677	-	90,761
Commercial Mortgages-Non-Owner Occupied	129,794	3,525	525	558	-	134,402
Commercial Construction	11,774	-	445	256	-	12,475
Consumer
Consumer Unsecured	8,567	-	-	-	-	8,567
Consumer Secured	76,215	-	-	317	-	76,532
Residential:
Residential Mortgages	48,366	-	245	2,677	-	51,288
Residential Consumer Construction	7,892	-	-	67	-	7,959

Totals	$449,528	$7,973	$1,617	$10,036	$915	$470,069









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



Loan modifcations classified as TDR's

The following tables describe the loan modifications classified as TDRs during the twelve months ended December 31, 2015: 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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