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Loans and Allowance for Loan Losses (Tables)
 6 Months Ended
Jun. 30, 2015
Receivables [Abstract]  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
At June 30, 2015 and December 31, 2014, loans are summarized as follows (in thousands):
 
 
 
June 30,
 
December 31,
 
 
 
2015
 
2014
 
Commercial real estate-mortgage:
 
 
 
 
 
 
 
Owner-occupied
 
$
73,178
 
$
68,581
 
All other
 
 
76,277
 
 
74,587
 
Consumer real estate-mortgage
 
 
76,707
 
 
76,907
 
Construction and land development
 
 
40,998
 
 
34,449
 
Commercial and industrial
 
 
40,433
 
 
37,863
 
Consumer and other
 
 
2,257
 
 
2,977
 
Total loans
 
 
309,850
 
 
295,364
 
Less: Allowance for loan losses
 
 
(3,579)
 
 
(3,495)
 
 
 
 
 
 
 
 
 
Loans, net
 
$
306,271
 
$
291,869
 
Schedule Of Impaired and Performing Loans Receivable [Table Text Block]
The composition of loans by loan classification for impaired and performing loan status at June 30, 2015 and December 31, 2014, is summarized in the tables below (amounts in thousands):
 
June 30, 2015
 
Commercial
 
Consumer
 
Construction
 
Commercial
 
 
 
 
 
 
 
Real Estate-
 
Real Estate-
 
and Land
 
and
 
Consumer
 
 
 
 
 
Mortgage
 
Mortgage
 
Development
 
Industrial
 
and Other
 
Total
 
Performing loans
 
$
147,143
 
$
75,217
 
$
40,768
 
$
39,452
 
$
2,257
 
$
304,837
 
Impaired loans
 
 
2,312
 
 
1,490
 
 
230
 
 
981
 
 
-
 
 
5,013
 
Total
 
$
149,455
 
$
76,707
 
$
40,998
 
$
40,433
 
$
2,257
 
$
309,850
 
 
December 31, 2014
 
Commercial
 
Consumer
 
Construction
 
Commercial
 
 
 
 
 
 
 
Real Estate-
 
Real Estate-
 
and Land
 
and
 
Consumer
 
 
 
 
 
Mortgage
 
Mortgage
 
Development
 
Industrial
 
and Other
 
Total
 
Performing loans
 
$
138,711
 
$
74,828
 
$
33,696
 
$
36,314
 
$
2,977
 
$
286,526
 
Impaired loans
 
 
4,457
 
 
2,079
 
 
753
 
 
1,549
 
 
-
 
 
8,838
 
Total
 
$
143,168
 
$
76,907
 
$
34,449
 
$
37,863
 
$
2,977
 
$
295,364
 
 
Schedule Of Allowance For Loan Losses For Impaired and Performing Loans Receivable [Table Text Block]
The following tables show the allowance for loan losses allocation by loan classification for impaired and performing loans as of June 30, 2015 and December 31, 2014 (amounts in thousands):
 
June 30, 2015
 
Commercial
 
Consumer
 
Construction
 
Commercial
 
 
 
 
 
 
 
Real Estate-
 
Real Estate-
 
and Land
 
and
 
Consumer
 
 
 
Allowance related to:
 
Mortgage
 
Mortgage
 
Development
 
Industrial
 
and Other
 
Total
 
Performing loans
 
$
1,699
 
$
1,022
 
$
216
 
$
524
 
$
67
 
$
3,528
 
Impaired loans
 
 
47
 
 
-
 
 
-
 
 
4
 
 
-
 
 
51
 
Total
 
$
1,746
 
$
1,022
 
$
216
 
$
528
 
$
67
 
$
3,579
 
 
December 31, 2014
 
Commercial
 
Consumer
 
Construction
 
Commercial
 
 
 
 
 
 
 
Real Estate-
 
Real Estate-
 
and Land
 
and
 
Consumer
 
 
 
Allowance related to:
 
Mortgage
 
Mortgage
 
Development
 
Industrial
 
and Other
 
Total
 
Performing loans
 
$
1,191
 
$
1,082
 
$
130
 
$
361
 
$
35
 
$
2,799
 
Impaired loans
 
 
404
 
 
15
 
 
-
 
 
277
 
 
-
 
 
696
 
Total
 
$
1,595
 
$
1,097
 
$
130
 
$
638
 
$
35
 
$
3,495
 
Schedule Of Financing Receivable Allowance For Credit Losses [Table Text Block]
The following tables detail the changes in the allowance for loan losses for the six month period ended June 30, 2015 and year ended December 31, 2014, by loan classification (amounts in thousands):
 
June 30, 2015
 
Commercial
 
Consumer
 
Construction
 
Commercial
 
 
 
 
 
 
 
Real Estate-
 
Real Estate-
 
and Land
 
and
 
Consumer
 
 
 
 
 
Mortgage
 
Mortgage
 
Development
 
Industrial
 
and Other
 
Total
 
Beginning balance
 
$
1,595
 
$
1,097
 
$
130
 
$
638
 
$
35
 
$
3,495
 
Charged-off loans
 
 
(132)
 
 
(17)
 
 
-
 
 
(209)
 
 
(14)
 
 
(372)
 
Recovery of charge-offs
 
 
42
 
 
27
 
 
85
 
 
22
 
 
18
 
 
194
 
Provision for (reallocation of) loan losses
 
 
241
 
 
(85)
 
 
1
 
 
77
 
 
28
 
 
262
 
Ending balance
 
$
1,746
 
$
1,022
 
$
216
 
$
528
 
$
67
 
$
3,579
 
 
December 31, 2014
 
Commercial
 
Consumer
 
Construction
 
Commercial
 
 
 
 
 
 
 
Real Estate-
 
Real Estate-
 
and Land
 
and
 
Consumer
 
 
 
 
 
Mortgage
 
Mortgage
 
Development
 
Industrial
 
and Other
 
Total
 
Beginning balance
 
$
1,549
 
$
938
 
$
319
 
$
352
 
$
45
 
$
3,203
 
Charged-off loans
 
 
(470)
 
 
(896)
 
 
(58)
 
 
(108)
 
 
(50)
 
 
(1,582)
 
Recovery of charge-offs
 
 
156
 
 
324
 
 
771
 
 
58
 
 
50
 
 
1,359
 
Provision for (reallocation of) loan losses
 
 
360
 
 
731
 
 
(902)
 
 
336
 
 
(10)
 
 
515
 
Ending balance
 
$
1,595
 
$
1,097
 
$
130
 
$
638
 
$
35
 
$
3,495
 
Financing Receivable Credit Quality Indicators [Table Text Block]
The following tables outline the amount of each loan classification and the amount categorized into each risk rating as of June 30, 2015 and December 31, 2014 (amounts in thousands):
 
June 30, 2015
 
Commercial
 
Consumer
 
Construction
 
Commercial
 
 
 
 
 
 
 
Real Estate-
 
Real Estate-
 
and Land
 
and
 
Consumer
 
 
 
 
 
Mortgage
 
Mortgage
 
Development
 
Industrial
 
and Other
 
Total
 
Pass
 
$
145,041
 
$
74,072
 
$
39,967
 
$
38,141
 
$
2,257
 
$
299,478
 
Special mention
 
 
2,347
 
 
1,089
 
 
525
 
 
957
 
 
-
 
 
4,918
 
Substandard
 
 
2,067
 
 
1,546
 
 
506
 
 
1,335
 
 
-
 
 
5,454
 
 
 
$
149,455
 
$
76,707
 
$
40,998
 
$
40,433
 
$
2,257
 
$
309,850
 
 
December 31, 2014
 
Commercial
 
Consumer
 
Construction
 
Commercial
 
 
 
 
 
 
 
Real Estate-
 
Real Estate-
 
and Land
 
and
 
Consumer
 
 
 
 
 
Mortgage
 
Mortgage
 
Development
 
Industrial
 
and Other
 
Total
 
Pass
 
$
135,586
 
$
72,753
 
$
33,201
 
$
32,684
 
$
2,977
 
$
277,201
 
Special mention
 
 
3,096
 
 
1,452
 
 
17
 
 
3,187
 
 
-
 
 
7,752
 
Substandard
 
 
4,486
 
 
2,702
 
 
1,231
 
 
1,992
 
 
-
 
 
10,411
 
 
 
$
143,168
 
$
76,907
 
$
34,449
 
$
37,863
 
$
2,977
 
$
295,364
 
Impaired Financing Receivables [Table Text Block]
The following tables present summary information pertaining to impaired loans by loan classification as of June 30, 2015 and December 31, 2014 (in thousands):
 
 
 
 
 
 
 
 
 
For the quarter ended
 
 
 
At June 30, 2015
 
June 30, 2015
 
 
 
 
 
Unpaid
 
 
 
Average
 
Interest
 
 
 
Recorded
 
Principal
 
Related
 
Recorded
 
Income
 
 
 
Investment
 
Balance
 
Allowance
 
Investment
 
Recognized
 
Impaired loans without a valuation allowance:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate – mortgage
 
$
1,918
 
$
1,970
 
$
-
 
$
2,248
 
$
59
 
Consumer real estate – mortgage
 
 
1,490
 
 
1,507
 
 
-
 
 
1,580
 
 
51
 
Construction and land development
 
 
230
 
 
243
 
 
-
 
 
405
 
 
6
 
Commercial and industrial
 
 
964
 
 
1,007
 
 
-
 
 
998
 
 
19
 
Total
 
$
4,602
 
$
4,727
 
$
-
 
$
5,231
 
$
135
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Impaired loans with a valuation allowance:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate – mortgage
 
$
394
 
$
431
 
$
47
 
$
949
 
$
12
 
Consumer real estate – mortgage
 
 
 
 
 
 
 
 
 
 
 
114
 
 
-
 
Construction and land development
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
Commercial and industrial
 
 
17
 
 
17
 
 
4
 
 
253
 
 
1
 
Total
 
$
411
 
$
448
 
$
51
 
$
1,316
 
$
13
 
Total impaired loans
 
$
5,013
 
$
5,175
 
$
51
 
$
6,547
 
$
148
 
 
 
 
 
 
 
 
 
 
For the year ended
 
 
 
At December 31, 2014
 
December 31, 2014
 
 
 
 
 
Unpaid
 
 
 
Average
 
Interest
 
 
 
Recorded
 
Principal
 
Related
 
Recorded
 
Income
 
 
 
Investment
 
Balance
 
Allowance
 
Investment
 
Recognized
 
Impaired loans without a valuation allowance:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate – mortgage
 
$
2,428
 
$
2,480
 
$
-
 
$
4,386
 
$
127
 
Consumer real estate – mortgage
 
 
1,738
 
 
1,742
 
 
-
 
 
1,880
 
 
114
 
Construction and land development
 
 
753
 
 
766
 
 
-
 
 
462
 
 
44
 
Commercial and industrial
 
 
1,033
 
 
1,085
 
 
-
 
 
1,186
 
 
41
 
Total
 
$
5,952
 
$
6,073
 
$
-
 
$
7,914
 
$
326
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Impaired loans with a valuation allowance:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate – mortgage
 
$
2,029
 
$
2,029
 
$
404
 
$
683
 
$
98
 
Consumer real estate – mortgage
 
 
341
 
 
476
 
 
15
 
 
676
 
 
24
 
Construction and land development
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
Commercial and industrial
 
 
516
 
 
516
 
 
277
 
 
401
 
 
52
 
Total
 
$
2,886
 
$
3,021
 
$
696
 
$
1,760
 
$
174
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total impaired loans
 
$
8,838
 
$
9,094
 
$
696
 
$
9,674
 
$
500
 
Past Due Financing Receivables [Table Text Block]
The following tables present an aged analysis of past due loans as of June 30, 2015 and December 31, 2014 (amounts in thousands):
 
June 30, 2015
 
30-89 Days
 
Past Due 90
 
 
 
 
 
 
 
 
 
 
 
Past Due and
 
Days or More
 
 
 
Total
 
Current
 
Total
 
 
 
Accruing
 
and Accruing
 
Nonaccrual
 
Past Due
 
Loans
 
Loans
 
Commercial real estate-mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner-occupied
 
$
377
 
$
-
 
$
444
 
$
821
 
$
72,357
 
$
73,178
 
All other
 
 
392
 
 
-
 
 
-
 
 
392
 
 
75,885
 
 
76,277
 
Consumer real estate-mortgage
 
 
510
 
 
-
 
 
436
 
 
946
 
 
75,761
 
 
76,707
 
Construction and land development
 
 
25
 
 
-
 
 
-
 
 
25
 
 
40,973
 
 
40,998
 
Commercial and industrial
 
 
95
 
 
-
 
 
10
 
 
105
 
 
40,328
 
 
40,433
 
Consumer and other
 
 
23
 
 
-
 
 
-
 
 
23
 
 
2,234
 
 
2,257
 
Total
 
$
1,422
 
$
-
 
$
890
 
$
2,312
 
$
307,538
 
$
309,850
 
 
December 31, 2014
 
30-89 Days
 
Past Due 90
 
 
 
 
 
 
 
 
 
 
 
Past Due and
 
Days or More
 
 
 
Total
 
Current
 
Total
 
 
 
Accruing
 
and Accruing
 
Nonaccrual
 
Past Due
 
Loans
 
Loans
 
Commercial real estate-mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner-occupied
 
$
664
 
$
-
 
$
496
 
$
1,160
 
$
67,421
 
$
68,581
 
All other
 
 
-
 
 
-
 
 
-
 
 
-
 
 
74,587
 
 
74,587
 
Consumer real estate-mortgage
 
 
419
 
 
-
 
 
1,134
 
 
1,553
 
 
75,354
 
 
76,907
 
Construction and land development
 
 
521
 
 
-
 
 
40
 
 
561
 
 
33,888
 
 
34,449
 
Commercial and industrial
 
 
54
 
 
-
 
 
1,195
 
 
1,249
 
 
36,614
 
 
37,863
 
Consumer and other
 
 
8
 
 
-
 
 
-
 
 
8
 
 
2,969
 
 
2,977
 
Total
 
$
1,666
 
$
-
 
$
2,865
 
$
4,531
 
$
290,833
 
$
295,364