Loans Receivable and Related Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2015

Loans Notes Trade and Other Receivables Disclosure [Abstract]

Schedule Of Classification Of Loans Receivable [Table Text Block]

The following table summarizes the Corporation’s loans receivable as of December 31:

(Dollar amounts in thousands)	2015		2014
Mortgage loans on real estate:
Residential first mortgages	$	139,305	$	107,173
Home equity loans and lines of credit		87,410		89,106
Commercial real estate		129,691		110,810
		356,406		307,089
Other loans:
Commercial business		71,948		70,185
Consumer		6,742		7,598
		78,690		77,783
Total loans, gross		435,096		384,872
Less allowance for loan losses		5,205		5,224
Total loans, net	$	429,891	$	379,648

Schedule Of Impaired Loans Receivable, Additional Information [Table Text Block]

The following table presents impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary as of December 31:

(Dollar amounts in thousands)	Impaired Loans with
	Specific Allowance
							For the year ended
	As of December 31, 2015						December 31, 2015
											Cash Basis
	Unpaid						Average		Interest Income		Interest
	Principal		Recorded		Related		Recorded		Recognized		Recognized
	Balance		Investment		Allowance		Investment		in Period		in Period
Residential first mortgages	$	169	$	169	$	29	$	170	$	6	$	6
Home equity and lines of credit		-		-		-		-		-		-
Commercial real estate		93		93		5		1,613		12		9
Commercial business		923		923		76		1,641		112		99
Consumer		-		-		-		-		-		-
Total	$	1,185	$	1,185	$	110	$	3,424	$	130	$	114

	Impaired Loans with
	No Specific Allowance
					For the year ended
	As of December 31, 2015				December 31, 2015
									Cash Basis
	Unpaid				Average		Interest Income		Interest
	Principal		Recorded		Recorded		Recognized		Recognized
	Balance		Investment		Investment		in Period		in Period
Residential first mortgages	$	-	$	-	$	45	$	7	$	7
Home equity and lines of credit		-		-		-		-		-
Commercial real estate		1,145		746		1,069		49		40
Commercial business		76		76		66		3		3
Consumer		-		-		-		-		-
Total	$	1,221	$	822	$	1,180	$	59	$	50

	Impaired Loans with
	Specific Allowance
							For the year ended
	As of December 31, 2014						December 31, 2014
											Cash Basis
	Unpaid						Average		Interest Income		Interest
	Principal		Recorded		Related		Recorded		Recognized		Recognized
	Balance		Investment		Allowance		Investment		in Period		in Period
Residential first mortgages	$	171	$	171	$	27	$	136	$	12	$	12
Home equity and lines of credit		-		-		-		-		-		-
Commercial real estate		3,615		2,674		268		2,673		16		-
Commercial business		2,622		2,622		495		1,524		66		-
Consumer		-		-		-		-		-		-
Total	$	6,408	$	5,467	$	790	$	4,333	$	94	$	12

	Impaired Loans with
	No Specific Allowance
					For the year ended
	As of December 31, 2014				December 31, 2014
									Cash Basis
	Unpaid				Average		Interest Income		Interest
	Principal		Recorded		Recorded		Recognized		Recognized
	Balance		Investment		Investment		in Period		in Period
Residential first mortgages	$	114	$	114	$	74	$	2	$	-
Home equity and lines of credit		-		-		-		-		-
Commercial real estate		1,254		855		839		15		4
Commercial business		51		51		250		1		1
Consumer		-		-		1,078		533		533
Total	$	1,419	$	1,020	$	2,241	$	551	$	538

Financing Receivable Credit Quality Indicators [Table Text Block]

The following table presents the classes of the loan portfolio summarized by the aggregate pass and the criticized categories of special mention, substandard and doubtful within the Corporation’s internal risk rating system as of December 31, 2015 and 2014:

					Special
(Dollar amounts in thousands)	Not Rated		Pass		Mention		Substandard		Doubtful		Total
December 31, 2015:
Residential first mortgages	$	138,096	$	-	$	-	$	1,209	$	-	$	139,305
Home equity and lines of credit		87,015		-		-		395		-		87,410
Commercial real estate		-		125,539		88		4,064		-		129,691
Commercial business		-		69,740		942		1,266		-		71,948
Consumer		6,742		-		-		-		-		6,742
Total	$	231,853	$	195,279	$	1,030	$	6,934	$	-	$	435,096
December 31, 2014:
Residential first mortgages	$	106,448	$	-	$	-	$	725	$	-	$	107,173
Home equity and lines of credit		88,699		-		-		407		-		89,106
Commercial real estate		-		103,908		515		6,387		-		110,810
Commercial business		-		65,627		1,292		3,266		-		70,185
Consumer		7,598		-		-		-		-		7,598
Total	$	202,745	$	169,535	$	1,807	$	10,785	$	-	$	384,872

Past Due Financing Receivables [Table Text Block]

The following table presents the classes of the loan portfolio summarized by the aging categories of performing loans and nonperforming loans as of December 31, 2015 and 2014:

	Performing						Nonperforming
	Accruing		Accruing		Accruing		Accruing
	Loans Not		30-59 Days		60-89 Days		90 Days +				Total
(Dollar amounts in thousands)	Past Due		Past Due		Past Due		Past Due		Nonaccrual		Loans
December 31, 2015:
Residential first mortgages	$	136,924	$	1,097	$	75	$	-	$	1,209	$	139,305
Home equity and lines of credit		86,691		308		16		-		395		87,410
Commercial real estate		128,945		-		-		-		746		129,691
Commercial business		71,229		-		-		-		719		71,948
Consumer		6,723		19		-		-		-		6,742
Total loans	$	430,512	$	1,424	$	91	$	-	$	3,069	$	435,096
December 31, 2014:
Residential first mortgages	$	104,523	$	1,523	$	402	$	78	$	647	$	107,173
Home equity and lines of credit		87,982		675		42		-		407		89,106
Commercial real estate		107,292		30		55		16		3,417		110,810
Commercial business		67,808		-		-		-		2,377		70,185
Consumer		7,545		41		12		-		-		7,598
Total loans	$	375,150	$	2,269	$	511	$	94	$	6,848	$	384,872

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

The following table presents the Corporation’s nonaccrual loans by aging category as of December 31, 2015 and 2014:

	Not		30-59 Days		60-89 Days		90 Days +		Total
(Dollar amounts in thousands)	Past Due		Past Due		Past Due		Past Due		Loans
December 31, 2015:
Residential first mortgages	$	75	$	-	$	79	$	1,055	$	1,209
Home equity and lines of credit		14		-		-		381		395
Commercial real estate		623		-		-		123		746
Commercial business		690		-		-		29		719
Consumer		-		-		-		-		-
Total loans	$	1,402	$	-	$	79	$	1,588	$	3,069
December 31, 2014:
Residential first mortgages	$	283	$	-	$	80	$	284	$	647
Home equity and lines of credit		33		18		-		356		407
Commercial real estate		2,848		-		-		569		3,417
Commercial business		2,151		-		188		38		2,377
Consumer		-		-		-		-		-
Total loans	$	5,315	$	18	$	268	$	1,247	$	6,848

Allowance for Credit Losses on Financing Receivables [Table Text Block]

Following is an analysis of the changes in the ALL for the years ended December 31:

(Dollar amounts in thousands)	2015		2014
Balance at the beginning of the year	$	5,224	$	4,869
Provision for loan losses		381		670
Charge-offs		(567)		(364)
Recoveries		167		49
Balance at the end of the year	$	5,205	$	5,224

Allowance For Credit Losses On Loans Receivables, Additional Information [Table Text Block]

The following table details activity in the ALL and the recorded investment by portfolio segment based on impairment method at December 31, 2015 and 2014:

			Home Equity
	Residential		& Lines		Commercial		Commercial
(Dollar amounts in thousands)	Mortgages		of Credit		Real Estate		Business		Consumer		Total
December 31, 2015:
Beginning Balance	$	955	$	543	$	2,338	$	1,336	$	52	$	5,224
Charge-offs		(79)		(221)		(35)		(182)		(50)		(567)
Recoveries		-		30		88		31		18		167
Provision		553		234		(206)		(225)		25		381
Ending Balance	$	1,429	$	586	$	2,185	$	960	$	45	$	5,205
Ending ALL balance attributable to loans:
Individually evaluated for impairment		29		-		5		76		-		110
Collectively evaluated for impairment		1,400		586		2,180		884		45		5,095
Total loans:
Individually evaluated for impairment		169		-		839		999		-		2,007
Collectively evaluated for impairment		139,136		87,410		128,852		70,949		6,742		433,089
December 31, 2014:
Beginning Balance	$	923	$	625	$	2,450	$	822	$	49	$	4,869
Charge-offs		(134)		(72)		(2)		(17)		(139)		(364)
Recoveries		-		1		18		7		23		49
Provision		166		(11)		(128)		524		119		670
Ending Balance	$	955	$	543	$	2,338	$	1,336	$	52	$	5,224
Ending ALL balance attributable to loans:
Individually evaluated for impairment		27		-		268		495		-		790
Collectively evaluated for impairment		928		543		2,070		841		52		4,434
Total loans:
Individually evaluated for impairment		285		-		3,529		2,673		-		6,487
Collectively evaluated for impairment		106,888		89,106		107,281		67,512		7,598		378,385