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NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Tables)
 12 Months Ended
Dec. 31, 2015
Nonperforming Assets Including Troubled Debt Restructurings [Abstract]  
Schedule Of Nonperforming Assets Including Trouble Debt Restructurings [Table Text Block]
The following tables present information concerning non-performing assets including TDR:
 
 
 
 
AT DECEMBER 31,
  
 
2015
 
2014
  
 
(IN THOUSANDS, EXCEPT PERCENTAGES)
Non-accrual loans:
 
 
  
 
 
 
  
 
Commercial
 
$
4,260
 
 
$
—
 
Commercial loans secured by real estate
 
 
18
 
 
 
778
 
Real estate-mortgage
 
 
1,788
 
 
 
1,417
 
Total
 
 
6,066
 
 
 
2,195
 
Other real estate owned:
 
 
  
 
 
 
  
 
Commercial loans secured by real estate
 
 
—
 
 
 
384
 
Real estate-mortgage
 
 
75
 
 
 
128
 
Total
 
 
75
 
 
 
512
 
Total restructured loans not in non-accrual (TDR)
 
 
156
 
 
 
210
 
Total non-performing assets including TDR
 
$
6,297
 
 
$
2,917
 
Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned
 
 
0.71
% 
 
 
0.35
% 
Troubled Debt Restructurings on Financing Receivables [Table Text Block]
The following table details the TDRs at December 31, 2015 (dollars in thousands).
 
 
 
 
Loans in non-accrual status
 
# of Loans
 
Current
Balance
 
Concession Granted
Commercial loan secured by real estate
 
 
6
 
 
$
4,320
 
 
 
Extension of maturity date
 
 
 
 
 
Loans in accrual status
 
# of Loans
 
Current
Balance
 
Concession Granted
Commercial loan secured by real estate
 
 
1
 
 
$
156
 
 
 
Extension of maturity date
 
The following table details the TDRs at December 31, 2014 (dollars in thousands).
 
 
 
 
Loans in non-accrual status
 
# of Loans
 
Current
Balance
 
Concession Granted
Commercial loan secured by real estate
 
 
2
 
 
$
210
 
 
 
Extension of maturity date
 
 
 
 
 
Loans in accrual status
 
# of Loans
 
Current
Balance
 
Concession Granted
Commercial loan secured by real estate
 
 
2
 
 
$
742
 
 
 
Extension of maturity date
 
The following table details the TDRs at December 31, 2013 (dollars in thousands).
 
 
 
 
Loans in non-accrual status
 
# of Loans
 
Current
Balance
 
Concession Granted
Commercial loan secured by real estate
 
 
2
 
 
$
1,250
 
 
 
Extension of maturity date
 
 
 
 
 
Loans in accrual status
 
# of Loans
 
Current
Balance
 
Concession Granted
Commercial loan secured by real estate
 
 
2
 
 
$
161
 
 
 
Extension of maturity date
 
Consumer
 
 
2
 
 
 
 61
 
 
 
Extension of maturity date
 
Schedule Of Recorded Investment In Loans As Trouble Debt Restructuring [Table Text Block]
The following table presents the recorded investment in loans that were modified as TDR’s in the previous 12 months and defaulted during these reporting periods (in thousands).
 
 
 
 
 
YEAR ENDED DECEMBER 31,
  
 
2015
 
2014
 
2013
Recorded investment of defaults
 
 
  
 
 
 
  
 
 
 
  
 
Commercial loan secured by real estate
 
$
—
 
 
$
—
 
 
$
1,480
 
Total
 
$
—
 
 
$
—
 
 
$
1,480
 
Schedule of Financing Receivables, Non Accrual Status [Table Text Block]
The following table sets forth, for the periods indicated, (1) the gross interest income that would have been recorded if non-accrual loans had been current in accordance with their original terms and had been outstanding throughout the period or since origination if held for part of the period, (2) the amount of interest income actually recorded on such loans, and (3) the net reduction in interest income attributable to such loans.
 
 
 
 
 
YEAR ENDED DECEMBER 31,
  
 
2015
 
2014
 
2013
  
 
(IN THOUSANDS)
Interest income due in accordance with original terms
 
$
94
 
 
$
136
 
 
$
178
 
Interest income recorded
 
 
—
 
 
 
—
 
 
 
—
 
Net reduction in interest income
 
$
94
 
 
$
136
 
 
$
178