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ALLOWANCE FOR LOAN LOSSES (Tables)

12 Months Ended

Dec. 31, 2015

Allowance for Loan Losses [Abstract]

Allowance for Credit Losses on Financing Receivables [Table Text Block]

The following table summarizes the rollforward of the allowance for loan losses by portfolio segment (in thousands).

		BALANCE AT DECEMBER 31, 2014				CHARGE- OFFS				RECOVERIES				PROVISION (CREDIT)				BALANCE AT DECEMBER 31, 2015
Commercial		$	3,262			$	(170	)		$	101			$	1,051			$	4,244
Commercial loans secured by real estate			3,902				(250	)			111				(314	)			3,449
Real estate-mortgage			1,310				(753	)			171				445				1,173
Consumer			190				(188	)			26				123				151
Allocation for general risk			959				—				—				(55	)			904
Total		$	9,623			$	(1,361	)		$	409			$	1,250			$	9,921

		BALANCE AT DECEMBER 31, 2013				CHARGE- OFFS				RECOVERIES				PROVISION (CREDIT)				BALANCE AT DECEMBER 31, 2014
Commercial		$	2,844			$	(172	)		$	141			$	449			$	3,262
Commercial loans secured by real estate			4,885				(708	)			231				(506	)			3,902
Real estate-mortgage			1,260				(322	)			71				301				1,310
Consumer			136				(121	)			24				151				190
Allocation for general risk			979				—				—				(20	)			959
Total		$	10,104			$	(1,323	)		$	467			$	375			$	9,623

		BALANCE AT DECEMBER 31, 2012				CHARGE- OFFS				RECOVERIES				PROVISION (CREDIT)				BALANCE AT DECEMBER 31, 2013
Commercial		$	2,596			$	(50	)		$	80			$	218			$	2,844
Commercial loans secured by real estate			7,796				(1,777	)			481				(1,615	)			4,885
Real estate-mortgage			1,269				(139	)			122				8				1,260
Consumer			150				(154	)			70				70				136
Allocation for general risk			760				—				—				219				979
Total		$	12,571			$	(2,120	)		$	753			$	(1,100	)		$	10,104

Schedule of Primary Segments of Loan Portfolio [Table Text Block]

The following tables summarize the loan portfolio and allowance for loan loss by the primary segments of the loan portfolio.

		AT DECEMBER 31, 2015
		(IN THOUSANDS)
Loans:		COMMERCIAL				COMMERCIAL LOANS SECURED BY REAL ESTATE				REAL ESTATE- MORTGAGE				CONSUMER				TOTAL
Individually evaluated for impairment		$	4,416			$	86			$	—			$	—			$	4,502
Collectively evaluated for impairment			176,650				421,551				257,937				20,344				876,482
Total loans		$	181,066			$	421,637			$	257,937			$	20,344			$	880,984

		AT DECEMBER 31, 2015
		(IN THOUSANDS)
Allowance for loan losses:		COMMERCIAL				COMMERCIAL LOANS SECURED BY REAL ESTATE				REAL ESTATE- MORTGAGE				CONSUMER				ALLOCATION FOR GENERAL RISK				TOTAL
Specific reserve allocation		$	1,387			$	—			$	—			$	—			$	—			$	1,387
General reserve allocation			2,857				3,449				1,173				151				904				8,534
Total allowance for loan losses		$	4,244			$	3,449			$	1,173			$	151			$	904			$	9,921

		AT DECEMBER 31, 2014
		(IN THOUSANDS)
Loans:		COMMERCIAL				COMMERCIAL LOANS SECURED BY REAL ESTATE				REAL ESTATE- MORTGAGE				CONSUMER				TOTAL
Individually evaluated for impairment		$	—			$	989			$	—			$	—			$	989
Collectively evaluated for impairment			139,126				409,340				258,616				19,009				826,091
Total loans		$	139,126			$	410,329			$	258,616			$	19,009			$	827,080

		AT DECEMBER 31, 2014
		(IN THOUSANDS)
Allowance for loan losses:		COMMERCIAL				COMMERCIAL LOANS SECURED BY REAL ESTATE				REAL ESTATE- MORTGAGE				CONSUMER				ALLOCATION FOR GENERAL RISK				TOTAL
Specific reserve allocation		$	—			$	520			$	—			$	—			$	—			$	520
General reserve allocation			3,262				3,382				1,310				190				959				9,103
Total allowance for loan losses		$	3,262			$	3,902			$	1,310			$	190			$	959			$	9,623

Impaired Financing Receivables [Table Text Block]

The following tables present impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary.

		AT DECEMBER 31, 2015
		IMPAIRED LOANS WITH SPECIFIC ALLOWANCE								IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE				TOTAL IMPAIRED LOANS
		RECORDED INVESTMENT				RELATED ALLOWANCE				RECORDED INVESTMENT				RECORDED INVESTMENT				UNPAID PRINCIPAL BALANCE
		(IN THOUSANDS)
Commercial		$	4,416			$	1,387			$	—			$	4,416			$	4,421
Commercial loans secured by real estate			—				—				86				86				522
Total impaired loans		$	4,416			$	1,387			$	86			$	4,502			$	4,943

		AT DECEMBER 31, 2014
		IMPAIRED LOANS WITH SPECIFIC ALLOWANCE								IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE				TOTAL IMPAIRED LOANS
		RECORDED INVESTMENT				RELATED ALLOWANCE				RECORDED INVESTMENT				RECORDED INVESTMENT				UNPAID PRINCIPAL BALANCE
		(IN THOUSANDS)
Commercial loans secured by real estate		$	989			$	520			$	—			$	989			$	1,069
Total impaired loans		$	989			$	520			$	—			$	989			$	1,069

Schedule of Average Recorded Investment in Impaired Loans and Related Interest Income Recognized [Table Text Block]

The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated.

		YEAR ENDED DECEMBER 31,
		2015				2014				2013
		(IN THOUSANDS)
Average impaired balance:
Commercial		$	1,271			$	—			$	13
Commercial loans secured by real estate			866				1,756				2,459
Consumer			9				—				37
Average investment in impaired loans		$	2,146			$	1,756			$	2,509
Interest income recognized:
Commercial		$	10			$	—			$	—
Commercial loans secured by real estate			17				12				11
Consumer			—				—				3
Interest income recognized on a cash basis on impaired loans		$	27			$	12			$	14

Financing Receivable Credit Quality Indicators [Table Text Block]

The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system.

		AT DECEMBER 31, 2015
		PASS				SPECIAL MENTION				SUBSTANDARD				DOUBTFUL				TOTAL
		(IN THOUSANDS)
Commercial		$	174,616			$	1,811			$	3,318			$	1,321			$	181,066
Commercial loans secured by real estate			416,331				3,100				2,188				18				421,637
Total		$	590,947			$	4,911			$	5,506			$	1,339			$	602,703

		AT DECEMBER 31, 2014
		PASS				SPECIAL MENTION				SUBSTANDARD				DOUBTFUL				TOTAL
		(IN THOUSANDS)
Commercial		$	132,665			$	161			$	6,164			$	136			$	139,126
Commercial loans secured by real estate			406,195				620				3,238				276				410,329
Total		$	538,860			$	781			$	9,402			$	412			$	549,455

Schedule of Financing Receivable Performing and Nonperforming [Table Text Block]

The following tables present the performing and non-performing outstanding balances of the residential and consumer portfolios (in thousands).

		AT DECEMBER 31, 2015
		PERFORMING				NON- PERFORMING
		(IN THOUSANDS)
Real estate-mortgage		$	256,149			$	1,788
Consumer			20,344				—
Total		$	276,493			$	1,788

		AT DECEMBER 31, 2014
		PERFORMING				NON- PERFORMING
		(IN THOUSANDS)
Real estate-mortgage		$	257,199			$	1,417
Consumer			19,009				—
Total		$	276,208			$	1,417

Past Due Financing Receivables [Table Text Block]

The following tables present the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans.

		AT DECEMBER 31, 2015
		CURRENT				30 – 59 DAYS PAST DUE				60 – 89 DAYS PAST DUE				90 DAYS PAST DUE				TOTAL PAST DUE				TOTAL LOANS				90 DAYS PAST DUE AND STILL ACCRUING
		(IN THOUSANDS)
Commercial		$	176,216			$	489			$	4,361			$	—			$	4,850			$	181,066			$	—
Commercial loans secured by real estate			421,247				208				182				—				390				421,637				—
Real estate-mortgage			254,288				2,658				442				549				3,649				257,937				—
Consumer			20,115				67				162				—				229				20,344				—
Total		$	871,866			$	3,422			$	5,147			$	549			$	9,118			$	880,984			$	—

		AT DECEMBER 31, 2014
		CURRENT				30 – 59 DAYS PAST DUE				60 – 89 DAYS PAST DUE				90 DAYS PAST DUE				TOTAL PAST DUE				TOTAL LOANS				90 DAYS PAST DUE AND STILL ACCRUING
		(IN THOUSANDS)
Commercial		$	139,126			$	—			$	—			$	—			$	—			$	139,126			$	—
Commercial loans secured by real estate			410,049				280				—				—				280				410,329				—
Real estate-mortgage			255,021				2,196				332				1,067				3,595				258,616				—
Consumer			18,927				74				8				—				82				19,009				—
Total		$	823,123			$	2,550			$	340			$	1,067			$	3,957			$	827,080			$	—

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-Publisher FASB
-Name Accounting Standards Codification
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-SubTopic 10
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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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-Publisher FASB
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