Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2015

Allowance for Loan Losses [Abstract]

Summary of Transactions in Allowance for Loan Losses

	2015			2014
Balance, beginning of period	$	3,164		$	3,360
Loans charged off		(141	)		(551)
Recoveries		81			49
Net charge-offs		(60	)		(502	)
Provision for loan losses		463			306
Balance, December 31	$	3,567		$	3,164

Internal Risk Rating Grades

							Special		Sub-
December 31, 2015		Excellent		Good		Pass	Mention		standard		Doubtful		TOTAL
Commercial
Commercial and industrial - organic	$	1,238	$	30,221	$	15,700	$	25	$	31	$	-	$	47,215
Commercial and industrial - syndicated		-		-		20,691		-		2,962		-		23,653
Real estate construction
Residential construction		-		-		2,178		-		-		-		2,178
Other construction and land		-		-		15,591		515		627		-		16,733
Real estate mortgages
1-4 family residential		-		1,500		60,801		650		593		-		63,544
Home equity lines of credit		-		-		27,517		-		82		-		27,599
Multifamily		-		-		20,209		-		-		-		20,209
Commercial owner occupied		-		-		65,497		-		747		-		66,244
Commercial non-owner occupied		-		-		89,619		1,061		1,125		-		91,805
Consumer
Consumer revolving credit		104		16,524		540		-		6		-		17,174
Consumer all other credit		232		10,063		1,319		-		41		-		11,655
Student loans purchased		-		-		35,655		-		-		-		35,655
Total Loans	$	1,574	$	58,308	$	355,317	$	2,251	$	6,214	$	-	$	423,664

							Special		Sub-
December 31, 2014		Excellent		Good		Pass	Mention		standard			Doubtful		TOTAL
Commercial
Commercial and industrial - organic	$	3,579	$	23,261	$	18,487	$	64	$	734	$	-	$	46,125
Commercial and industrial - syndicated		-		-		14,815		-		-		-		14,815
Real estate construction
Residential construction		-		-		337		-		-		-		337
Other construction and land		-		-		10,903		507		165		-		11,575
Real estate mortgages
1-4 family residential		-		1,910		56,968		455		829		-		60,162
Home equity lines of credit		-		-		25,411		-		87		-		25,498
Multifamily		-		-		26,462		-		-		-		26,462
Commercial owner occupied		-		-		58,890		-		1,978		-		60,868
Commercial non-owner occupied		-		-		54,012		-		-		-		54,012
Consumer
Consumer revolving credit		34		3,054		332		-		8		-		3,428
Consumer all other credit		200		7,856		1,867		-		49		-		9,972
Total Loans	$	3,813	$	36,081	$	268,484	$	1,026	$	3,850	$	-	$	313,254

Allowance for Loan Losses Rollforward by Portfolio Segment

Allowance for Loan Losses Rollforward by Portfolio Segment
as of and for the year ended December 31, 2015
				Real Estate
	Commercial			Construction		Real Estate			Consumer
	Loans			and Land		Mortgages			Loans			Total
Allowance for Loan Losses:
Balance as of January 1, 2015	$	674		$	102	$	2,360		$	28		$	3,164
Charge-offs		(126	)		-		(12	)		(3	)		(141	)
Recoveries		35			-		46			-			81
Provision for (recovery of) loan losses		214			57		198			(6	)		463
Ending Balance	$	797		$	159	$	2,592		$	19		$	3,567
Ending Balance:
Individually evaluated for impairment	$	-		$	-	$	-		$	-		$	-
Collectively evaluated for impairment		797			159		2,592			19			3,567
Loans:
Individually evaluated for impairment	$	-		$	59	$	1,560		$	-		$	1,619
Collectively evaluated for impairment		70,868			18,852		267,841			64,484			422,045
Ending Balance:	$	70,868		$	18,911	$	269,401		$	64,484		$	423,664

As of and for the year ended December 31, 2014
				Real Estate
	Commercial			Construction		Real Estate			Consumer
	Loans			and Land		Mortgages			Loans			Total
Allowance for Loan Losses:
Balance as of January 1, 2014	$	340		$	198	$	2,788		$	34		$	3,360
Charge-offs		(286	)		-		(262	)		(3)			(551	)
Recoveries		32			-		10			7			49
Provision for (recovery of) loan losses		588			(96)		(176)			(10	)		306
Ending Balance	$	674		$	102	$	2,360		$	28		$	3,164
Ending Balance:
Individually evaluated for impairment	$	-		$	-	$	-		$	-		$	-
Collectively evaluated for impairment		674			102		2,360			28			3,164
Loans:
Individually evaluated for impairment	$	-		$	69	$	1,628		$	-		$	1,697
Collectively evaluated for impairment		60,940			11,843		225,374			13,400			311,557
Ending Balance:	$	60,940		$	11,912	$	227,002		$	13,400		$	313,254