Income Taxes (Tables)

12 Months Ended

Dec. 31, 2016

Income Taxes [Abstract]

Schedule Of Components Of Income Tax Provision (Benefit)

	2016		2015		2014
	(in thousands)
Current federal tax expense	$	1,990	$	2,784	$	2,282
Current state tax expense (benefit)		4		3		(118)
Total current tax expense		1,994		2,787		2,164
Deferred federal tax expense (benefit)	$	(405)	$	435	$	(215)
Deferred state tax expense (benefit)		334		545		(1,245)
Total deferred tax expense (benefit)		(71)		980		(1,460)
Total income tax provision	$	1,923	$	3,767	$	704

Schedule Of Effective Income Tax Rate Reconciliation

	2016				2015				2014
	Amount		Percent		Amount		Percent		Amount		Percent
	(in thousands)
Tax provision at statutory rate	$	3,466	34	%	$	3,947	34	%	$	3,023	34	%
Change in taxes resulting from:
Tax-exempt income		(522)	(5)			(617)	(5)			(558)	(6)
Historic tax credit		(1,413)	(14)			-	-			(996)	(11)
State taxes, net of federal benefit		236	2			362	3			(899)	(10)
Other items, net		156	2			75	-			134	1
Income tax provision	$	1,923	19	%	$	3,767	32	%	$	704	8	%

Schedule Of Deferred Tax Assets And Liabilities

	2016		2015
	(in thousands)
Deferred tax assets:
Pension premiums	$	2,094	$	2,148
Allowance for loan and lease losses		5,222		4,826
Non accrued interest		34		-
Deferred compensation		950		956
Litigation accrual		61		204
Loss on investment in tax credit		636		452
Stock options granted		169		134
Net operating loss carryforward		-		62
Historic tax credit carryforward		786		980
Leases		157		156
Net unrealized losses on securities		224		-
Gross deferred tax assets	$	10,333	$	9,918
Deferred tax liabilities:
Depreciation and amortization	$	2,071	$	1,806
Prepaid expenses		476		459
Net unrealized gains on securities		-		291
Mortgage servicing asset		200		212
Gross deferred tax liabilities	$	2,747	$	2,768
Valuation allowance		(276)		(293)
Net deferred tax asset	$	7,310	$	6,857