Income Taxes (Tables)

12 Months Ended

Dec. 31, 2015

Income Taxes [Abstract]

Schedule of Net Deferred Tax Assets

	2015		2014
Deferred tax assets:
Allowance for loan losses	$	1,130	$	970
Non-accrual loan interest		8		5
Stock option/grant expense		240		316
Start-up expenses		56		60
Home equity closing costs		63		66
OREO valuation allowance		-		319
Deferred compensation expense		14		14
Securities available for sale unrealized loss		61		-
Depreciation		610		696
	$	2,182	$	2,446
Deferred tax liabilities:
Securities available for sale unrealized gain	$	-	$	23
Deferred loan costs		106		57
		106		80
Net deferred tax assets	$	2,076	$	2,366

Schedule of Provision for Income Taxes

	2015		2014
Current tax expense	$	824	$	517
Deferred tax expense (benefit)		373		(61	)
Provision for income taxes	$	1,197	$	456

Schedule of Effective Income Tax Rate Reconciliation, Amount

	2015			2014
Federal statutory rate	34%			34%
Computed statutory tax expense	$	1,468		$	800
Increase (decrease) in tax resulting from:
Tax-exempt interest income		(148	)		(169	)
Tax-exempt income from Bank
Owned Life Insurance (BOLI)		(150	)		(149	)
Stock option expense		10			14
Other		17			(40	)
Provision for income taxes	$	1,197		$	456