XML 85 R90.htm IDEA: XBRL DOCUMENT v2.4.1.9
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Narrative) (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Fair value of financial assets        
Total cash and cash equivalents $ 43,412us-gaap_CashAndCashEquivalentsAtCarryingValue $ 24,577us-gaap_CashAndCashEquivalentsAtCarryingValue $ 35,660us-gaap_CashAndCashEquivalentsAtCarryingValue $ 31,886us-gaap_CashAndCashEquivalentsAtCarryingValue
Securities available for sale 295,822us-gaap_AvailableForSaleSecurities 300,328us-gaap_AvailableForSaleSecurities    
Regulatory stock 3,227us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock 3,660us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock    
Loans held for sale 506us-gaap_LoansReceivableHeldForSaleNet 59us-gaap_LoansReceivableHeldForSaleNet    
Loans, net of allowance 464,027us-gaap_LoansAndLeasesReceivableNetReportedAmount 431,001us-gaap_LoansAndLeasesReceivableNetReportedAmount    
Bank-owned life insurance 20,603us-gaap_BankOwnedLifeInsurance 19,911us-gaap_BankOwnedLifeInsurance    
Financial Liabilities:        
Non-interest bearing demand deposits 210,444us-gaap_NoninterestBearingDepositLiabilities 173,070us-gaap_NoninterestBearingDepositLiabilities    
Interest-bearing demand deposits 14,039us-gaap_InterestBearingDomesticDepositDemand 13,055us-gaap_InterestBearingDomesticDepositDemand    
NOW accounts 72,951us-gaap_DepositsNegotiableOrderOfWithdrawalNOW 70,540us-gaap_DepositsNegotiableOrderOfWithdrawalNOW    
Money market deposit accounts 69,442us-gaap_DepositsMoneyMarketDeposits 61,882us-gaap_DepositsMoneyMarketDeposits    
Savings accounts 131,206us-gaap_InterestBearingDomesticDepositSavings 120,935us-gaap_InterestBearingDomesticDepositSavings    
Total deposits 699,651us-gaap_Deposits 656,626us-gaap_Deposits    
Short-term Debt    3,900us-gaap_ShortTermBorrowings     
Long-term debt 62,300us-gaap_LongTermDebt 65,000us-gaap_LongTermDebt    
Carrying Amount [Member]        
Fair value of financial assets        
Total cash and cash equivalents 43,412us-gaap_CashAndCashEquivalentsAtCarryingValue
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
24,577us-gaap_CashAndCashEquivalentsAtCarryingValue
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
   
Securities available for sale 295,822us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
300,328us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
   
Regulatory stock 3,227us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
3,660us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
   
Loans held for sale 506us-gaap_LoansReceivableHeldForSaleNet
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
59us-gaap_LoansReceivableHeldForSaleNet
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
   
Loans, net of allowance 464,027us-gaap_LoansAndLeasesReceivableNetReportedAmount
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
431,001us-gaap_LoansAndLeasesReceivableNetReportedAmount
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
   
Accrued interest receivable 3,706us-gaap_InterestReceivable
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
3,605us-gaap_InterestReceivable
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
   
Bank-owned life insurance 20,603us-gaap_BankOwnedLifeInsurance
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
19,911us-gaap_BankOwnedLifeInsurance
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
   
Financial Liabilities:        
Non-interest bearing demand deposits 210,444us-gaap_NoninterestBearingDepositLiabilities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
173,070us-gaap_NoninterestBearingDepositLiabilities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
   
Interest-bearing demand deposits 14,039us-gaap_InterestBearingDomesticDepositDemand
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
13,055us-gaap_InterestBearingDomesticDepositDemand
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
   
NOW accounts 72,951us-gaap_DepositsNegotiableOrderOfWithdrawalNOW
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
70,540us-gaap_DepositsNegotiableOrderOfWithdrawalNOW
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
   
Money market deposit accounts 69,442us-gaap_DepositsMoneyMarketDeposits
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
61,882us-gaap_DepositsMoneyMarketDeposits
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
   
Savings accounts 131,206us-gaap_InterestBearingDomesticDepositSavings
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
120,935us-gaap_InterestBearingDomesticDepositSavings
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
   
Time deposits 201,569us-gaap_TimeDeposits
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
217,144us-gaap_TimeDeposits
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
   
Total deposits 699,651us-gaap_Deposits
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
656,626us-gaap_Deposits
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
   
Short-term Debt   3,900us-gaap_ShortTermBorrowings
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
   
Long-term debt 62,300us-gaap_LongTermDebt
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
65,000us-gaap_LongTermDebt
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
   
Accrued interest payable 586us-gaap_InterestPayableCurrentAndNoncurrent
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
699us-gaap_InterestPayableCurrentAndNoncurrent
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
   
Fair Value [Member]        
Fair value of financial assets        
Total cash and cash equivalents 43,412us-gaap_CashAndCashEquivalentsAtCarryingValue
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
24,577us-gaap_CashAndCashEquivalentsAtCarryingValue
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
   
Securities available for sale 295,822us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
300,328us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
   
Regulatory stock 3,227us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
3,660us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
   
Loans held for sale 506us-gaap_LoansReceivableHeldForSaleNet
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
59us-gaap_LoansReceivableHeldForSaleNet
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
   
Loans, net of allowance 463,197us-gaap_LoansAndLeasesReceivableNetReportedAmount
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
434,049us-gaap_LoansAndLeasesReceivableNetReportedAmount
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
   
Accrued interest receivable 3,706us-gaap_InterestReceivable
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
3,605us-gaap_InterestReceivable
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
   
Bank-owned life insurance 20,603us-gaap_BankOwnedLifeInsurance
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
19,911us-gaap_BankOwnedLifeInsurance
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
   
Financial Liabilities:        
Non-interest bearing demand deposits 210,444us-gaap_NoninterestBearingDepositLiabilities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
173,070us-gaap_NoninterestBearingDepositLiabilities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
   
Interest-bearing demand deposits 14,039us-gaap_InterestBearingDomesticDepositDemand
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
13,055us-gaap_InterestBearingDomesticDepositDemand
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
   
NOW accounts 72,951us-gaap_DepositsNegotiableOrderOfWithdrawalNOW
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
70,540us-gaap_DepositsNegotiableOrderOfWithdrawalNOW
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
   
Money market deposit accounts 69,442us-gaap_DepositsMoneyMarketDeposits
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
61,882us-gaap_DepositsMoneyMarketDeposits
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
   
Savings accounts 131,206us-gaap_InterestBearingDomesticDepositSavings
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
120,935us-gaap_InterestBearingDomesticDepositSavings
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
   
Time deposits 203,787us-gaap_TimeDeposits
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
221,172us-gaap_TimeDeposits
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
   
Total deposits 701,869us-gaap_Deposits
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
660,654us-gaap_Deposits
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
   
Short-term Debt   3,900us-gaap_ShortTermBorrowings
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
   
Long-term debt 63,058us-gaap_LongTermDebt
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
66,934us-gaap_LongTermDebt
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
   
Accrued interest payable 586us-gaap_InterestPayableCurrentAndNoncurrent
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
699us-gaap_InterestPayableCurrentAndNoncurrent
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
   
Quoted Prices in Active Markets for Identical Assets (Level I) [Member]        
Fair value of financial assets        
Total cash and cash equivalents 43,412us-gaap_CashAndCashEquivalentsAtCarryingValue
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
24,577us-gaap_CashAndCashEquivalentsAtCarryingValue
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
   
Securities available for sale 5,208us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
5,171us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
   
Regulatory stock 3,227us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
3,660us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
   
Loans held for sale 506us-gaap_LoansReceivableHeldForSaleNet
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
59us-gaap_LoansReceivableHeldForSaleNet
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
   
Loans, net of allowance          
Accrued interest receivable 3,706us-gaap_InterestReceivable
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
3,605us-gaap_InterestReceivable
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
   
Bank-owned life insurance 20,603us-gaap_BankOwnedLifeInsurance
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
19,911us-gaap_BankOwnedLifeInsurance
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
   
Financial Liabilities:        
Non-interest bearing demand deposits 210,444us-gaap_NoninterestBearingDepositLiabilities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
173,070us-gaap_NoninterestBearingDepositLiabilities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
   
Interest-bearing demand deposits 14,039us-gaap_InterestBearingDomesticDepositDemand
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
13,055us-gaap_InterestBearingDomesticDepositDemand
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
   
NOW accounts 72,951us-gaap_DepositsNegotiableOrderOfWithdrawalNOW
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
70,540us-gaap_DepositsNegotiableOrderOfWithdrawalNOW
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
   
Money market deposit accounts 69,442us-gaap_DepositsMoneyMarketDeposits
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
61,882us-gaap_DepositsMoneyMarketDeposits
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
   
Savings accounts 131,206us-gaap_InterestBearingDomesticDepositSavings
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
120,935us-gaap_InterestBearingDomesticDepositSavings
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
   
Time deposits          
Total deposits 498,082us-gaap_Deposits
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
439,482us-gaap_Deposits
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
   
Short-term Debt   3,900us-gaap_ShortTermBorrowings
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
   
Long-term debt          
Accrued interest payable 586us-gaap_InterestPayableCurrentAndNoncurrent
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
699us-gaap_InterestPayableCurrentAndNoncurrent
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
   
Significant Other Observable Inputs (Level II) [Member]        
Fair value of financial assets        
Total cash and cash equivalents          
Securities available for sale 290,614us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel2Member
295,157us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel2Member
   
Regulatory stock          
Loans held for sale          
Loans, net of allowance          
Accrued interest receivable          
Bank-owned life insurance          
Financial Liabilities:        
Non-interest bearing demand deposits          
Interest-bearing demand deposits          
NOW accounts          
Money market deposit accounts          
Savings accounts          
Time deposits          
Total deposits          
Short-term Debt         
Long-term debt          
Accrued interest payable          
Significant Unobservable Inputs (Level III) [Member]        
Fair value of financial assets        
Total cash and cash equivalents          
Securities available for sale          
Regulatory stock          
Loans held for sale          
Loans, net of allowance 463,197us-gaap_LoansAndLeasesReceivableNetReportedAmount
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member
434,049us-gaap_LoansAndLeasesReceivableNetReportedAmount
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member
   
Accrued interest receivable          
Bank-owned life insurance          
Financial Liabilities:        
Non-interest bearing demand deposits          
Interest-bearing demand deposits          
NOW accounts          
Money market deposit accounts          
Savings accounts          
Time deposits 203,787us-gaap_TimeDeposits
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member
221,172us-gaap_TimeDeposits
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member
   
Total deposits 203,787us-gaap_Deposits
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member
221,172us-gaap_Deposits
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member
   
Short-term Debt         
Long-term debt 63,058us-gaap_LongTermDebt
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member
66,934us-gaap_LongTermDebt
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member
   
Accrued interest payable