ALLOWANCE FOR LOAN LOSSES

12 Months Ended

Dec. 31, 2015

Receivables,Loans,Notes Receivable,And Others [Abstract]

Allowance for Credit Losses [Text Block]

NOTE 3 ALLOWANCE FOR LOAN LOSSES

The following tables provide information on the activity in the allowance for loan losses by portfolio segment for the periods indicated:

	Commercial		Real Estate		Consumer		Total
December 31, 2015	(In thousands)
Beginning balance – January 1, 2015	$	3,340	$	277	$	509	$	4,126
Charge-offs		(357)		(17)		(160)		(534)
Recoveries		49		0		32		81
Net		(308)		(17)		(128)		(453)
Provision		90		39		59		188
Ending balance – December 31, 2015	$	3,122	$	299	$	440	$	3,861

	Commercial		Real Estate		Consumer		Total
December 31, 2014	(In thousands)
Beginning balance – January 1, 2014	$	3,517	$	235	$	591	$	4,343
Charge-offs		(430)		(32)		(140)		(602)
Recoveries		37		8		31		76
Net		(393)		(24)		(109)		(526)
Provision		216		66		27		309
Ending Balance – December 31, 2014	$	3,340	$	277	$	509	$	4,126

	Commercial		Real Estate		Consumer		Total
December 31, 2013	(In thousands)
Beginning balance – January 1, 2013	$	3,175	$	284	$	582	$	4,041
Charge-offs		(79)		(90)		(171)		(340)
Recoveries		52		8		51		111
Net		(27)		(82)		(120)		(229)
Provision		369		33		129		531
Ending Balance – December 31, 2013	$	3,517	$	235	$	591	$	4,343

The following table presents the allocation of the allowance for loan losses and the recorded investment in loans by portfolio segment at December 31, 2015, 2014 and 2013.

	Collectively Evaluated				Individually Evaluated				Total
	Allowance		Recorded		Allowance		Recorded		Allowance		Recorded
	for loan		investment		for loan		investment		for loan		investment
(In thousands)	losses		in loans		losses		in loans		losses		in loans
December 31, 2015
Commercial	$	3,046	$	238,044	$	76	$	4,872	$	3,122	$	242,916
Real estate		299		23,944		0		0		299		23,944
Consumer		440		30,073		0		0		440		30,073
Total	$	3,785	$	292,061	$	76	$	4,872	$	3,861	$	296,933

	Collectively Evaluated				Individually Evaluated				Total
	Allowance		Recorded		Allowance		Recorded		Allowance		Recorded
	for loan		investment		for loan		investment		for loan		investment
	losses		in loans		losses		in loans		losses		in loans
December 31, 2014
Commercial	$	3,038	$	219,680	$	302	$	5,828	$	3,340	$	225,508
Real estate		277		22,183		0		0		277		22,183
Consumer		509		31,460		0		0		509		31,460
Total	$	3,824	$	273,323	$	302	$	5,828	$	4,126	$	279,151
December 31, 2013
Commercial	$	2,993	$	205,374	$	524	$	10,924	$	3,517	$	216,298
Real estate		235		18,806		0		0		235		18,806
Consumer		591		34,864		0		0		591		34,864
Total	$	3,819	$	259,044	$	524	$	10,924	$	4,343	$	269,968