SB One Bancorp (SBBX) 10-K 16 Mar 16 2015 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2015	Mar. 09, 2016	Jun. 30, 2015
Document And Entity Information [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2015
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2,015
Entity Registrant Name	SUSSEX BANCORP
Entity Central Index Key	1,028,954
Current Fiscal Year End Date	--12-31
Entity Filer Category	Smaller Reporting Company
Trading Symbol	sbbx
Entity Common Stock, Shares Outstanding		4,675,976
Entity Current Reporting Status	Yes
Entity Public Float			$ 46,919,724
Entity Voluntary Filers	No
Entity Well-known Seasoned Issuer	No

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
ASSETS
Cash and due from banks	$ 2,914	$ 2,953
Interest-bearing deposits with other banks	3,206	2,906
Cash and cash equivalents	6,120	5,859
Interest bearing time deposits with other banks	100	100
Securities available for sale, at fair value	93,776	77,976
Securities held to maturity, at amortized cost (fair value of $7,008 and $6,190 at December 31, 2015 and December 31, 2014, respectively)	6,834	6,006
Federal Home Loan Bank Stock, at cost	5,165	3,908
Loans receivable, net of unearned income	543,423	471,973
Less: allowance for loan losses	5,590	5,641
Net loans receivable	537,833	466,332
Foreclosed real estate	3,354	4,449
Premises and equipment, net	8,879	8,650
Accrued interest receivable	1,764	1,796
Goodwill	2,820	2,820
Bank-owned life insurance	12,524	12,211
Other assets	5,334	5,808
Total Assets	684,503	595,915
Deposits:
Non-interest bearing	87,209	70,490
Interest bearing	430,647	387,780
Total deposits	517,856	458,270
Short-term borrowings	34,650	23,500
Long-term borrowings	61,000	46,000
Accrued interest payable and other liabilities	4,169	4,029
Junior subordinated debentures	12,887	12,887
Total Liabilities	$ 630,562	$ 544,686
Stockholders' Equity:
Preferred stock, no par value, 1,000,000 shares authorized; none issued
Common stock, no par value, 10,000,000 shares authorized; 4,705,480 and 4,673,789 shares issued and 4,646,238 and 4,662,606 shares outstanding at December 31, 2015 and December 31, 2014, respectively	$ 35,927	$ 35,553
Treasury stock, at cost; 59,242 and 11,183 shares at December 31, 2015 and December 31, 2014, respectively	(592)	(59)
Retained earnings	18,520	15,566
Accumulated other comprehensive income	86	169
Total Stockholders' Equity	53,941	51,229
Total Liabilities and Stockholders' Equity	$ 684,503	$ 595,915

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Consolidated Balance Sheets [Abstract]
Securities held to maturity, fair value	$ 7,008	$ 6,190
Preferred stock, par value
Preferred stock, shares authorized	1,000,000	1,000,000
Preferred stock, shares issued	0	0
Common stock, par value
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	4,705,480	4,673,789
Common stock, shares outstanding	4,646,238	4,662,606
Treasury stock, shares	59,242	11,183

Consolidated Statements Of Inco

Consolidated Statements Of Income And Comprehensive Income - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
INTEREST INCOME
Loans receivable, including fees		$ 21,497	$ 19,512
Securities:
Taxable		1,239	854
Tax-exempt		899	923
Interest bearing deposits		9	11
Total Interest Income		23,644	21,300
INTEREST EXPENSE
Deposits		1,772	1,648
Borrowings		1,576	1,434
Junior subordinated debentures		220	212
Total Interest Expense		3,568	3,294
Net Interest Income		20,076	18,006
PROVISION FOR LOAN LOSSES		636	1,537
Net Interest Income after Provision for Loan Losses		19,440	16,469
OTHER INCOME
Service fees on deposit accounts		906	1,047
ATM and debit card fees		776	726
Bank-owned life insurance		313	322
Insurance commissions and fees		3,686	3,139
Investment brokerage fees		130	108
Net gain on sales of securities		271	289
Net loss on sale and disposal of premises and equipment		(130)	(5)
Other		501	335
Total Other Income		6,453	5,961
OTHER EXPENSES
Salaries and employee benefits		11,506	10,079
Occupancy, net		1,751	1,624
Data processing		1,653	1,714
Furniture and equipment		865	729
Advertising and promotion		326	281
Professional fees		654	737
Director fees		544	475
FDIC assessment		446	607
Insurance		271	288
Stationary and supplies		197	221
Loan collection costs		207	380
Net expenses and write-downs related to foreclosed real estate		535	432
Other		1,598	1,262
Total Other Expenses		20,553	18,829
Income before Income Taxes		5,340	3,601
EXPENSE FOR INCOME TAXES	[1]	1,640	1,001
Net Income		3,700	2,600
OTHER COMPREHENSIVE INCOME (LOSS):
Unrealized gains on available for sale securities arising during the period		134	4,155
Reclassification adjustment for net gain on securities transactions included in net income		(271)	(289)
Income tax related to items of other comprehensive income		54	(1,546)
Other comprehensive income (loss), net of income taxes		(83)	2,320
Comprehensive income		$ 3,617	$ 4,920
EARNINGS PER SHARE
Basic		$ 0.81	$ 0.57
Diluted		$ 0.81	$ 0.57
[1]	Calculated at statutory tax rate of 40%.

Consolidated Statements Of Stoc

Consolidated Statements Of Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Treasury Stock [Member]	Total
Balance at Dec. 31, 2013	$ 35,249	$ 13,386	$ (2,151)	$ (59)	$ 46,425
Balance, shares at Dec. 31, 2013	4,629,113
Net income		2,600			2,600
Other comprehensive income (loss)			2,320		2,320
Restricted stock granted	36,043
Restricted stock forfeited	(2,550)
Compensation expense related to stock option and restricted stock grants	$ 304				304
Dividends declared on common stock		(420)			(420)
Balance at Dec. 31, 2014	$ 35,553	15,566	169	(59)	$ 51,229
Balance, shares at Dec. 31, 2014	4,662,606				4,662,606
Net income		3,700			$ 3,700
Other comprehensive income (loss)			(83)		(83)
Treasury shares purchased				(533)	(533)
Treasury shares purchased, shares	(48,059)
Restricted stock granted	32,692
Restricted stock forfeited	(1,001)
Compensation expense related to stock option and restricted stock grants	$ 374				374
Dividends declared on common stock		(746)			(746)
Balance at Dec. 31, 2015	$ 35,927	$ 18,520	$ 86	$ (592)	$ 53,941
Balance, shares at Dec. 31, 2015	4,646,238				4,646,238

Consolidated Statements Of Sto6

Consolidated Statements Of Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Consolidated Statements Of Stockholders' Equity [Abstract]
Dividends declared	$ 0.16	$ 0.09

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Cash Flows from Operating Activities
Net income	$ 3,700	$ 2,600
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	636	1,537
Depreciation and amortization	998	797
Net amortization of securities premiums and discounts	1,787	1,711
Net realized gain on sale of securities	(271)	(289)
Net realized loss on sale and disposal of premises and equipment	130	5
Net realized gain on sale of foreclosed real estate	(38)	(10)
Write-downs of and provisions for foreclosed real estate	314	222
Deferred income tax expense (benefit)	187	(925)
Earnings on bank-owned life insurance	(313)	(322)
Compensation expense for stock options and stock awards	374	304
Decrease (increase) in assets:
Accrued interest receivable	32	(154)
Other assets	341	1,531
Increase in accrued interest payable and other liabilities	140	727
Net Cash Provided by Operating Activities	8,017	7,734
Securities available for sale:
Purchases	(46,704)	(24,437)
Sales	20,718	27,905
Maturities, calls and principal repayments	8,559	11,721
Securities held to maturity:
Purchases	(2,953)	(2,099)
Maturities, calls and principal repayments	2,099	2,122
Net increase in loans	(73,585)	(83,498)
Proceeds from the sale of foreclosed real estate	2,267	875
Purchases of bank premises and equipment	(1,392)	(2,586)
Proceeds from the sale of premises and equipment	35	26
Increase in Federal Home Loan Bank stock	(1,257)	(1,203)
Net Cash Used in Investing Activities	(92,213)	(71,174)
Cash Flows from Financing Activities
Net increase in deposits	59,586	27,973
Increase in short-term borrowed funds	11,150	23,500
Proceeds from long-term borrowings	20,000	10,000
Repayment of long-term borrowings	(5,000)	(5,000)
Purchase of treasury stock	(533)
Dividends paid	(746)	(420)
Net Cash Provided by Financing Activities	84,457	56,053
Net Increase (decrease) in Cash and Cash Equivalents	261	(7,387)
Cash and Cash Equivalents - Beginning	5,859	13,246
Cash and Cash Equivalents - Ending	6,120	5,859
Supplementary Cash Flows Information
Interest paid	3,530	3,286
Income taxes paid	1,074	1,064
Supplementary Schedule of Noncash Investing and Financing Activities
Foreclosed real estate acquired in settlement of loans	$ 1,448	$ 2,610

Summary Of Significant Accounti

Summary Of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2015
Summary Of Significant Accounting Policies [Abstract]
Summary Of Significant Accounting Policies	NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Principles of Consolidation The consolidated financial statements include the accounts of Sussex Bancorp (the “Company”) and its wholly owned subsidiary, Sussex Bank (the “Bank”). The Bank’s wholly owned subsidiaries are SCB Investment Company, Inc., SCBNY Company, Inc., ClassicLake Enterprises, LLC, Wheatsworth Properties Corp., PPD Holding Company, LLC and Tri-State Insurance Agency, Inc. (“Tri-State”). All intercompany transactions and balances have been eliminated in consolidation. Organization and Nature of Operations The Company’s business is conducted principally through the Bank. The Bank is a New Jersey state chartered bank and provides full banking services. The Bank generates commercial, mortgage and consumer loans and receives deposits from customers at its eight branches located in Sussex County, New Jersey, one branch in Warren County, New Jersey, one in Queens County, New York and one branch in Orange County, New York. As a state bank, the Bank is subject to regulation by the New Jersey Department of Banking and Insurance and the Federal Deposit Insurance Corporation. The Company is subject to regulation by the Federal Reserve Board. SCB Investment Company, Inc. and SCBNY Company, Inc. hold portions of the Bank’s investment portfolio. Tri-State provides insurance agency services mostly through the sale of property and casualty insurance policies. ClassicLake Enterprises, LLC, PPD Holding Company, LLC and Wheatsworth Properties Corp. hold certain foreclosed properties. The Company opened a corporate office in Rockaway, New Jersey during the first quarter of 2014, a regional office and corporate center in Wantage, New Jersey during the third quarter of 2014 , and opened a branch in Astoria, Queens, New York during the first quarter of 2015. Estimates The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America (“U.S. GAAP”) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the other-than-temporary impairment, allowance for loan losses, valuation of foreclosed real estate, valuation of goodwill, the valuation of deferred tax assets and the fair value of financial instruments. Significant Group Concentrations of Credit Risk Most of the Company’s activities are with customers located within Sussex County, New Jersey and adjacent counties in the states of New Jersey, New York and Pennsylvania. Notes 3 and 4 discuss the types of securities that the Company invests in. The types of lending that the Company engages are included in Note 5. Although the Company has a diversified loan portfolio, its debtors’ ability to honor their contracts is influenced by the region’s economy. The Company does not have any significant concentrations in any one industry or customer. Cash and Cash Equivalents For purposes of the consolidated statements of cash flows, cash and cash equivalents include highly liquid instruments with original maturities of less than 90 days, primarily, balances due from banks, interest bearing deposits with banks and federal funds sold. Generally, federal funds are purchased and sold for one-day periods. Securities Securities are designated at the time of acquisition as available for sale or held to maturity. Securities that the Company will hold for indefinite periods of time and that might be sold in the future as part of efforts to manage interest rate risk or in response to changes in interest rates, changes in prepayment risk, changes in market conditions or changes in economic factors are classified as available for sale. Securities available for sale are carried at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive (loss) income, net of related deferred tax effect. Securities that the Company has the positive intent and ability to hold to maturity are designated as held to maturity regardless of changes in market conditions, liquidity needs or changes in general economic conditions and carried at amortized cost. Purchase premiums and discounts are recognized in interest income using the level yield method over the contractual terms of the securities. Gains and losses realized on sales of securities are determined on the specific identification method and are reported in non-interest income. The Company periodically evaluates the security portfolio to determine if a decline in the fair value of any security below its cost basis is other-than-temporary. The Company’s evaluation of other-than-temporary impairment considers the duration and severity of the impairment, the company’s intent and ability to hold the securities and our assessments of the reason for the decline in value and the likelihood of a near-term recovery. If a determination is made that a debt security is other-than-temporarily impaired, the Company will estimate the amount of the unrealized loss that is attributable to credit and all other non-credit related factors. The credit related component will be recognized as an other-than-temporary impairment charge in non-interest income. The non-credit related component will be recorded as an adjustment to accumulated other comprehensive income (“AOCI”), net of tax. Federal Home Loan Bank Stock Federal law requires a member institution of the Federal Home Loan Bank (“FHLB”) system to hold stock of its district FHLB according to a predetermined formula. Based on redemption provisions of the FHLB, the stock has no quoted market value and is carried at cost. The FHLB stock was carried at $ 5.2 million and $3.9 million for the years ended December 31, 2015 and 2014, respectively. Loans Receivable Loans receivable that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at their outstanding unpaid principal balances, net of an allowance for loan losses and any deferred fees or costs. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the yield (interest income) of the related loans. The Bank is generally amortizing these amounts over the contractual life of the loan. The loans receivable portfolio is segmented into commercial and residential and consumer loans. Commercial loans consist of the following classes: commercial and industrial, commercial real estate, and construction loans. Residential and consumer loans consist of the following classes: residential real estate and consumer and other loans. For all classes of loans, the accrual of interest is discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan is currently performing. A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured. When a loan is placed on nonaccrual status, unpaid interest credited to income in the current year is reversed and unpaid interest accrued in prior years is charged against the allowance for loan losses. Interest received on nonaccrual loans including impaired loans generally are either applied against principal or reported as interest income, according to management’s judgment as to the collectability of principal. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time (generally six months) and the ultimate collectability of the total contractual principal and interest is no longer in doubt. The past due status of all classes of loans receivable is determined based on contractual due dates for loan payments. Allowance for Loan Losses The allowance for loan losses represents the amount, which, in management’s judgment, will be adequate to absorb credit losses inherent in the loan portfolio as of the balance sheet date. The adequacy of the allowance is determined by management’s evaluation of the loan portfolio based on such factors as the differing economic risks associated with each loan category, the current financial condition of specific borrowers, the economic environment in which borrowers operate, the level of delinquent loans, the value of any collateral and, where applicable, the existence of any guarantees or indemnifications. The allowance for loan losses is established through provisions for loan losses charged against income. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance for loan losses. The allowance for loan losses consists of specific , general and unallocated components. The specific component relates to loans that are classified as impaired. For such loans, an allowance is established when the discounted cash flows, collateral value or observable market price is lower than the carrying value for that loan. The general component covers all other loans and is based on historical loss factors adjusted for general economic factors and other qualitative risk factors such as changes in delinquency trends, industry concentrations and local/national economic trends. The allowance contains reserves identified as unallocated. These reserves reflect management's attempt to ensure that the overall allowance reflects a margin for imprecision and the uncertainty that is inherent in estimates of probable credit losses. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis for commercial and industrial, commercial real estate and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s observable market price or the fair value of the collateral if the loan is collateral dependent. Troubled Debt Restructurings (“TDR”) A modification to the terms of a loan is generally considered a TDR if the Company grants a concession to the borrower that it would not otherwise consider for economic or legal reasons related to the debtor’s financial difficulties. A TDR may include, but is not necessarily limited to, the modification of loan terms such as a temporary or permanent reduction of the loan’s stated interest rate, extension of the maturity date and/or reduction or deferral of amounts owed under the terms of the loan agreement. All restructured loans that qualify as TDRs are placed on nonaccrual status for a period of no less than six months after restructuring, irrespective of the borrower’s adherence to a TDR’s modified repayment terms during which time TDRs continue to be adversely classified and reported as impaired. TDRs may be returned to accrual status if (1) the borrower has performed in accordance with the terms of the restructured loan agreement for no less than six consecutive months after restructuring, and (2) the Company expects to receive all principal and interest owed in accordance with the terms of the restructured loan agreement. If these conditions are met the loan may also be returned to a non-adverse classification while retaining its impaired status. Transfers of Financial Assets Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. Foreclosed Real Estate Foreclosed real estate is primarily comprised of property acquired through a foreclosure proceeding or acceptance of a deed-in-lieu of foreclosure. Foreclosed real estate is initially recorded at fair value, less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less costs to sell. Revenues and expenses from operations and changes in the valuation allowance are included in expenses related to foreclosed real estate. We may obtain physical possession of residential real estate collateralizing a consumer mortgage loan via foreclosure on an in-substance repossession. As of December 31, 2015, we hold $130 thousand in foreclosed residential real estate properties as a result of obtaining physical possession. In addition, as of December 31, 2015, we had consumer loans with a carrying value of $945 thousand collateralized by residential real estate property for which formal foreclosure proceedings were in process. Premises and Equipment Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed on the straight-line method over the following estimated useful lives of the related assets: Years Buildings and building improvements 20 – 40 Leasehold improvements 5 – 10 Furniture, fixtures and equipment 5 – 10 Computer equipment and software 3 – 5 Bank-owned Life Insurance (“BOLI”) BOLI is carried at the amount that could be realized under the Company’s life insurance contracts as of the date of the consolidated balance sheets and is classified as a non-interest earning asset. BOLI involves purchasing life insurance by the Company on a chosen group of employees in order to fund certain employee and director benefits. The Company is the owner and beneficiary of the policies. Increases in the carrying value are recorded as non-interest income in the consolidated statements of income and insurance proceeds received are generally recorded as a reduction of the carrying value. The carrying value consists of cash surrender value of $12.5 million at December 31, 2015 and $12.2 million at December 31, 2014. Goodwill Goodwill represents the excess of the purchase price over the fair market value of net assets acquired. At December 31, 2015 and 2014, the Company has recorded goodwill totaling $ 2.8 million, primarily as a result of the acquisition of an insurance agency in 2001. In accordance with current accounting standards, goodwill is not amortized, but evaluated at least annually for impairment. Any impairment of goodwill results in a charge to income. The Company periodically assesses whether events and changes in circumstances indicate that the carrying amounts of goodwill and intangible assets may be impaired. The estimated fair value of the reporting segment exceeded its book value; therefore, no write-down of goodwill was required. The goodwill related to the insurance agency is not deductible for tax purposes. Advertising Costs The Company follows the policy of charging the costs of advertising to expense as incurred. Income Taxes The Company accounts for income taxes under the asset/liability method in accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification 740, Income Taxes . The income tax guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases, as well as operating loss and tax credit carryforwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period in which they occur. A valuation allowance is established against deferred tax assets when, in the judgment of management, it is more likely than not that such deferred tax assets will not become available. Because the judgment about the level of future taxable income is dependent to a great extent on matters that may, at least in part, be beyond the Company’s control, it is at least reasonably possible that management’s judgment about the need for a valuation allowance for deferred taxes could change in the near term. In connection with the accounting guidance related to accounting for uncertainty in income taxes, which sets out a consistent framework to determine the appropriate level of tax reserves to maintain for uncertain tax positions, the Company has evaluated its tax positions as of December 31, 2015. A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of the tax benefit that has more than a 50 percent likelihood of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. Under the “more likely than not” threshold guidelines, the Company believes no significant uncertain tax positions exist, either individually or in the aggregate, that would give rise to the non-recognition of an existing tax benefit. As of December 31, 2015 the Company had no material unrecognized tax benefits or accrued interest or penalties. The Company’s policy is to account for interest as a component of interest expense and penalties as a component of other expense. The Company and its subsidiaries file a consolidated federal income tax return as well as income tax returns in the States of New Jersey, New York and Pennsylvania. The Company’s federal and state income tax returns subsequent to 201 2 remain subject to examination by respective tax authorities. Off-Balance Sheet Financial Instruments In the ordinary course of business, the Bank has entered into off-balance sheet financial instruments consisting of commitments to extend credit and letters of credit. Such financial instruments are recorded in the balance sheet when they are funded. Stock Compensation Plans The Company currently has several stock plans in place for employees and directors of the Company. U.S. GAAP requires that the compensation cost relating to share-based payment transactions be recognized in financial statements . The share-based compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over a defined vesting period. For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite vesting period for the entire award. A Black-Scholes model is used to estimate the fair value of stock options, while the market price of the Company’s common stock at the date of grant is used for restricted stock awards. Earnings per Share Basic earnings per share represents net income available to common stockholders divided by the weighted-average number of common shares outstanding during the period. The weighted-average common shares outstanding include the weighted-average number of shares of common stock outstanding less the weighted average number of unvested shares of restricted stock. Diluted earnings per share reflect additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate to outstanding stock options and non-vested restricted stock grants. Potential common shares related to stock options are determined using the treasury stock method. Treasury Stock Repurchases of shares of Company common stock are recorded at cost as a reduction of stockholders’ equity. Reissuances of shares of treasury stock are recorded at average cost. Segment Reporting The Company acts as an independent community financial services provider and offers traditional banking and related financial services to individual, business and government customers. Through its branch and automated teller machine networks, the Bank offers a full array of commercial and retail financial services, including taking of time, savings and demand deposits; the making of commercial, consumer and mortgage loans; and the providing of other financial services. Management does not separately allocate expenses, including the cost of funding loan demand, between the commercial, retail, trust and mortgage banking operations of the Bank. As such, discrete financial information is not available and segment reporting would not be meaningful. The Company’s insurance agency is managed separately from the traditional banking and related financial services that the Company offers. The insurance operations provides primarily property and casualty coverage. See Note 2 for segment reporting of insurance operations. Insurance Agency Operations Tri-State is a retail insurance broker operating in the State of New Jersey. The insurance agency’s primary source of revenue is commission income, which is earned by placing insurance coverage for its customers with various insurance underwriters. The insurance agency places basic property and casualty, life and health coverage with about fifteen different insurance carriers. There are two main billing processes, direct billing (currently accounts for approximately 90% of revenues) and agency billing. Under the direct billing arrangement, the insurance carrier bills and collects from the customer directly and remits the brokers’ commission to Tri-State on a monthly basis. For direct bill policies, Tri-State records commissions as revenue when the customer is billed. On a monthly basis, Tri-State receives notification from each insurance carrier of total premiums written and collected during the month, and the broker’s net commission due for their share of business produced by them. Under the agency billing arrangement, the broker bills and collects from the customer directly, retains their commission, and remits the net premium amount to the insurance carrier. Virtually all agency-billed policies are billed and collected on an installment basis (the number of payments varies by policy). Tri-State records revenues for the first installment as of the policy effective date. Revenues from subsequent installments are recorded at the installment due date. Tri-State records its commission as a percentage of each installment due. Subsequent Events The Company has evaluated events and transactions occurring subsequent to the balance sheet date of December 31, 2015 for items that should potentially be recognized or disclosed in these financial statements. The evaluation was conducted through the date these financial statements were issued. New Accounting Standards In January 2014, FASB issued Accounting Standards Update ("ASU") 2014-04, Receivables - Troubled Debt Restructurings by Creditors. This ASU clarifies that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. For public entities, the guidance is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. The adoption of this guidance did not have a material impact on our consolidated financial statements. In May 2014, FASB issued ASU 2014-09, Revenue from Contracts with Customers . The ASU’s core principle is built on the contract between a vendor and a customer for the provision of goods and services. It attempts to depict the exchange of rights and obligations between the parties in the pattern of revenue recognition based on the consideration to which the vendor is entitled. To accomplish this objective, the standard requires five basic steps: i) identify the contract with the customer, (ii) identify the performance obligations in the contract, (iii) determine the transaction price, (iv) allocate the transaction price to the performance obligations in the contract, and (v) recognize revenue when (or as) the entity satisfies a performance obligation. For public entities, the guidance is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2017. Early adoption is permitted only as of annual reporting periods beginning after December 15, 2016, including interim periods within that year. We do not expect the adoption of this guidance to have a material impact on our consolidated financial statements. In June 2014, FASB issued ASU 2014-12, Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period (a consensus of the FASB Emerging Issues Task Force) , to clarify that a performance target in a share-based compensation award that could be achieved after an employee completes the requisite service period should be treated as a performance condition that affects the vesting of the award. As such, the performance target should not be reflected in estimating the grant-date fair value of the award. For all entities, the amendments are effective for annual periods and interim periods within those annual periods beginning after December 15, 2015. Earlier adoption is permitted. We do not expect the adoption of this guidance to have a material impact on our consolidated financial statements. In April 2015, FASB issued ASU 2015-05, Intangibles-Goodwill and Other-Internal-Use Software (Subtopic 350-40): Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement , to clarify whether a hosting arrangement (e.g., cloud computing, software as a service, infrastructure as a service, etc.) contains a software license, and thus, whether it is to be accounted for by the customer similarly to other internal-use software. Specifically, the amendments revise the scope of Subtopic 350-40 to include internal-use software accessed through a hosting arrangement only if both of the following criteria are met: (1) the customer has the contractual right to take possession of the software at any time during the hosting period without significant penalty. There is no significant penalty if the customer has the ability to take delivery of the software without incurring significant cost and the ability to use the software separately without significant loss of utility or value and (2) it is feasible for the customer to either run the software on its own hardware or contract with another party unrelated to the vendor to host the software. If both of the above criteria are present in a hosting arrangement, then the arrangement contains a software license and the customer should account for that element in accordance with Subtopic 350-40 (i.e., generally capitalize and subsequently amortize the cost of the license). If both of the above criteria are not present, the customer should account for the arrangement as a service contract (i.e., expense fees as incurred). The amendments are effective for public business entities for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years. An entity can elect to adopt the amendments either (1) prospectively to all arrangements entered into or materially modified after the effective date or (2) retrospectively. We do not expect the adoption of this guidance to have a material impact on our consolidated financial statements. In January 2016, the FASB issued ASU 2016-1, “No. 2016-01, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities.” ASU 2016-1, among other things; (i) requires equity investments, with certain exceptions, to be measured at fair value with changes in fair value recognized in net income, (ii) simplifies the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment; (iii) eliminates the requirement for public business entities to disclose the methods and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; (iv) requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; (v) requires an entity to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the entity has elected to measure the liability at fair value in accordance with the fair value option for financial instruments; (vi) requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset on the balance sheet or the accompanying notes to the financial statements; and (vii) clarifies that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale. The Company is currently evaluating the impact of the pending adoption of the new standard on its consolidated financial statements. In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842) . Under the new guidance, lessees will be required to recognize the following for all leases (with the exception of short-term leases) at the commencement date: (i) a lease liability, which is a lessee’s obligation to make lease payments arising from a lease, measured on a discounted basis; and (ii) a right-of-use asset, which is an asset that represents the lessee’s right to use, or control the use of, a specified asset for the lease term. Under the new guidance, lessor accounting is largely unchanged. Public business entities should apply the amendments in ASU 2016-02 for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Early application is permitted for all public business entities upon issuance. Lessees (for capital and operating leases) and lessors (for sales-type, direct financing, and operating leases) must apply a modified retrospective transition approach for leases existing at, or entered into after, the beginning of the earliest comparative period presente

Segment Reporting

Segment Reporting	12 Months Ended
	Dec. 31, 2015
Segment Reporting [Abstract]
Segment Reporting	NOTE 2 – SEGMENT REPORTING Segme nt information for 2015 and 2014 is as follows: Banking and Insurance (Dollars in thousands) Financial Services Services Total Year Ended December 31, 2015: Net interest income from external sources $ 20,076 $ - $ 20,076 Other income from external sources 2,741 3,712 6,453 Depreciation and amortization 978 20 998 Income before income taxes 4,670 670 5,340 Income tax expense (1) 1,372 268 1,640 Total assets 679,598 4,905 684,503 Year Ended December 31, 2014: Net interest income from external sources $ 18,004 $ 2 $ 18,006 Other income from external sources 2,787 3,174 5,961 Depreciation and amortization 776 21 797 Income before income taxes 3,100 501 3,601 Income tax expense (1) 801 200 1,001 Total assets 591,192 4,723 595,915 (1) Calculated at statutory tax rate of 40 % .

Fair Value Of Assets And Liabil

Fair Value Of Assets And Liabilities	12 Months Ended
	Dec. 31, 2015
Fair Value Of Assets And Liabilities [Abstract]
Fair Value Of Assets And Liabilities	NOTE 3 – FAIR VALUE OF ASSETS AND LIABILITIES Management uses its best judgment in estimating the fair value of the Company’s financial instruments; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates herein are not necessarily indicative of the amounts the Company could have realized in a sale transaction on the dates indicated. The fair value amounts have been measured as of their respective year - ends, and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates. As such, the fair values of these financial instruments subsequent to the respective reporting dates may be different than the amounts reported at each year - end. In accordance with U.S. GAAP, the Company uses a hierarchical disclosure framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value. The three broad levels defined by the hierarchy are as follows: Level I - Quoted prices are available in active markets for identical assets or liabilities as of the reported date. Level II - Pricing inputs are other than quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these asset and liabilities include items for which quoted prices are available but traded less frequently, and items that are fair valued using other financial instruments, the parameters of which can be directly observed. Level III - Assets and liabilities that have little to no pricing observability as of reported date. These items do not have two-way markets and are measured using management’s best estimate of market participants’ estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation. The following table summarizes the fair value of the Company’s financial assets measured on a recurring basis by the above pricing observability levels as of December 31, 201 5 and 201 4 : Quoted Prices in Significant Active Markets Other Significant Fair for Identical Observable Unobservable Value Assets Inputs Inputs (Dollars in thousands) Measurements (Level I) (Level II) (Level III) December 31, 2015 U.S. government agencies $ 12,788 $ - $ 12,788 $ - State and political subdivisions 38,149 - 38,149 - Mortgage-backed securities - U.S. government-sponsored enterprises 42,839 - 42,839 - December 31, 2014 U.S. government agencies $ 7,858 $ - $ 7,858 $ - State and political subdivisions 26,384 - 26,384 - Mortgage-backed securities - U.S. government-sponsored enterprises 43,724 - 43,724 - Equity securities-financial services industry and other 10 10 - - The Company’s available for sale securities portfolio contains investments which are all rated within the Company’s investment policy guidelines; and upon review of the entire portfolio, all securities are marketable and have observable pricing inputs. For assets measured at fair value on a nonrecurring basis, the fair value measurements by level within the fair value hierarchy used at December 31, 201 5 and 201 4 are as follows: Quoted Prices in Significant Active Markets Other Significant Fair for Identical Observable Unobservable Value Assets Inputs Inputs (Dollars in thousands) Measurements (Level I) (Level II) (Level III) December 31, 2015 Impaired loans $ 801 $ - $ - $ 801 Foreclosed real estate 756 - - 756 December 31, 2014 Impaired loans $ 1,087 $ - $ - $ 1,087 Foreclosed real estate 761 - - 761 The following table presents additional qualitative information about assets measured at fair value on a nonrecurring basis and for which Level III inputs were used to determine fair value: Qualitative Information about Level III Fair Value Measurements Fair Range Value Valuation Unobservable (Weighted (Dollars in thousands) Estimate Techniques Input Average) December 31, 2015 Impaired loans $ 801 Appraisal of Appraisal 0% to -61.8% collateral adjustments (1) ( -5.8% ) Foreclosed real estate 756 Appraisal of Selling collateral expenses (1) -7.0% (-7.0%) December 31, 2014 Impaired loans $ 1,087 Appraisal of Appraisal 0% to -66.2% collateral adjustments (1) (-10.6%) Foreclosed real estate 761 Appraisal of Selling collateral expenses (1) -7.0% (-7.0%) (1) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated selling expenses. The range and weighted average of selling expenses and other appraisal adjustments are presented as a percentage of the appraisal. The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company’s assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company’s disclosures and those of other companies may not be meaningful. The following methods and assumptions were used to estimate the fair value of the Company’s financial instruments presented below at December 31, 201 5 and 201 4 : Cash and Cash Equivalents (Carried at Cost): The carrying amounts reported in the balance sheet for cash and cash equivalents approximate those assets’ fair value. Deposits (Carried at Cost): Fair value for fixed-rate time certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered in the market on certificates to a schedule of aggregated expected monthly maturities on time deposits. The Company generally purchases amounts below the insured limit, limiting the amount of credit risk on these time deposits. Securities: The fair value of securities, available for sale (carried at fair value) and securities held to maturity (carried at amortized cost) are determined by obtaining quoted market prices on nationally recognized securities exchanges (Level I), or matrix pricing (Level II), which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted market prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted prices. For certain securities which are not traded in active markets or are subject to transfer restrictions, valuations are adjusted to reflect illiquidity and/or non-transferability, and such adjustments are generally based on available market evidence (Level III). In the absence of such evidence, management’s best estimate of market participants’ estimate is used. Management’s best estimate consists of both internal and external support on certain Level III measurements. Internal cash flow models using a present value formula that includes assumptions market participants would use along with indicative exit pricing obtained from broker/dealers (where available) were used to support fair values of certain Level III investments. Federal Home Loan Bank Stock (Carried at Cost): The carrying amount of restricted investment in bank stock approximates fair value and considers the limited marketability of such securities. Loans Receivable (Carried at Cost): The fair values of loans , other than collateral dependent impaired loans, are estimated using discounted cash flow analyses, using the market rates at the balance sheet date that reflect the credit and interest rate-risk inherent in the loans. Projected future cash flows are calculated based upon contractual maturity or call dates, projected repayments and prepayments of principal. Generally, for variable rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values. Impaired Loans (Carried at Lower of Cost or Fair Value): Fair value of impaired loans is generally determined based upon independent third-party appraisals of the properties, or discounted cash flows based upon the expected proceeds. These assets are included in Level III fair values, based upon the lowest level of input that is significant to the fair value mea surements. Deposit Liabilities (Carried at Cost): The fair values disclosed for demand, savings and money market accounts are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts). Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered in the market on certificates to a schedule of aggregated expected monthly maturities on time deposits. Borrowings (Carried at Cost): Fair values of FHLB advances are estimated using discounted cash flow analysis, based on quoted prices for new FHLB advances with similar credit risk characteristics, terms and remaining maturity. These prices obtained from this active market represent a market value that is deemed to represent the transfer price if the liability were assumed by a third party. Junior Subordinated Debentures (Carried at Cost): Fair values of junior subordinated debt are estimated using discounted cash flow analysis, based on market rates currently offered on such debt with similar credit risk characteristics, terms and remaining maturity. Accrued Interest Receivable and Accrued Interest Payable (Carried at Cost): The carrying amounts of accrued interest receivable and payable approximate its fair value. Off-Balance Sheet Instruments (Disclosed at Cost): Fair values for the Company’s off-balance sheet financial instruments (lending commitments and letters of credit) are based on fees currently charged in the market to enter into similar agreements, taking into account, the remaining terms of the agreements and the counterparties’ credit standing. The fair values of the Company’s financial instruments at December 31, 201 5 and 201 4 were as follows: Quoted Prices in Significant Active Markets Other Significant December 31, 2015 for Identical Observable Unobservable Carrying Fair Assets Inputs Inputs (Dollars in thousands) Amount Value (Level I) (Level II) (Level III) Financial assets: Cash and cash equivalents $ 6,120 $ 6,120 $ 6,120 $ - $ - Time deposits with other banks 100 100 - 100 - Securities available for sale 93,776 93,776 - 93,776 - Securities held to maturity 6,834 7,008 - 7,008 - Federal Home Loan Bank stock 5,165 5,165 - 5,165 - Loans receivable, net of allowance 537,833 528,065 - - 528,065 Accrued interest receivable 1,764 1,764 - 1,764 - Financial liabilities: Non-maturity deposits 380,983 380,983 - 380,983 - Time deposits 136,873 136,619 - 136,619 - Short-term borrowings 34,650 34,650 34,650 - - Long-term borrowings 61,000 58,685 - 58,685 - Junior subordinated debentures 12,887 9,344 - 9,344 - Accrued interest payable 281 281 - 281 - Quoted Prices in Significant Active Markets Other Significant December 31, 2014 for Identical Observable Unobservable Carrying Fair Assets Inputs Inputs (Dollars in thousands) Amount Value (Level I) (Level II) (Level III) Financial assets: Cash and cash equivalents $ 5,859 $ 5,859 $ 5,859 $ - $ - Time deposits with other banks 100 100 - 100 - Securities available for sale 77,976 77,976 10 77,966 - Securities held to maturity 6,006 6,190 - 6,190 - Federal Home Loan Bank stock 3,908 3,908 - 3,908 - Loans receivable, net of allowance 466,332 462,984 - - 462,984 Accrued interest receivable 1,796 1,796 - 1,796 - Financial liabilities: Non-maturity deposits 351,653 351,653 - 351,653 - Time deposits 106,617 107,011 - 107,011 - Short-term borrowings 23,500 23,500 23,500 - - Long-term borrowings 46,000 47,766 - 47,766 - Junior subordinated debentures 12,887 9,361 - 9,361 - Accrued interest payable 243 243 - 243 -

Securities

Securities	12 Months Ended
	Dec. 31, 2015
Securities [Abstract]
Securities	NOTE 4 – SECURITIES Available for Sale The amortized cost and fair value of securities available for sale as of December 31, 201 5 and 2014 are summarized as follows: Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains Losses Value December 31, 2015 U.S. government agencies $ 12,792 $ 51 $ (55) $ 12,788 State and political subdivisions 37,771 507 (129) 38,149 Mortgage-backed securities - U.S. government-sponsored enterprises 43,069 206 (436) 42,839 $ 93,632 $ 764 $ (620) $ 93,776 December 31, 2014 U.S. government agencies $ 7,873 $ 17 $ (32) $ 7,858 State and political subdivisions 26,432 158 (206) 26,384 Mortgage-backed securities - U.S. government-sponsored enterprises 43,382 500 (158) 43,724 Equity securities-financial services industry and other 8 2 - 10 $ 77,695 $ 677 $ (396) $ 77,976 Securities with a carrying value of approximately $33.4 million and $32.8 million at December 31, 201 5 and 201 4 , respectively, were pledged to secure public deposits and for borrowings at the Federal Reserve Bank as required or permitted by applicable laws and regulations. The amortized cost and fair value of securities available for sale at December 31, 201 5 are shown below by contractual maturity. Actual maturities may differ from contractual maturities as issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Investments which pay principal on a periodic basis are not included in the maturity categories. Amortized Fair (Dollars in thousands) Cost Value Due in one year or less $ - $ - Due after one year through five years 699 698 Due after five years through ten years 2,834 2,832 Due after ten years 34,238 34,619 Total bonds and obligations 37,771 38,149 U.S. government agencies 12,792 12,788 Mortgage-backed securities: U.S. government-sponsored enterprises 43,069 42,839 Total available for sale securities $ 93,632 $ 93,776 Gross gains on sales of securities available for sale were $372 thousand and $478 thousand and gross losses were $101 thousand and $ 189 thousand for the years ended December 31, 201 5 and 201 4 , respectively. Temporarily Impaired Securities The following table shows our investments’ gross unrealized losses and fair values with unrealized losses that are not deemed to be other than temporarily impaired, aggregated by investment category and length of time that individual available for sale securities have been in a continuous unrealized loss position, at December 31, 201 5 and 201 4 . Less Than 12 Months 12 Months or More Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized (Dollars in thousands) Value Losses Value Losses Value Losses December 31, 2015 U.S. government agencies $ 5,888 $ (23) $ 2,473 $ (32) $ 8,361 $ (55) State and political subdivisions 5,780 (107) 2,998 (22) 8,778 (129) Mortgage-backed securities - U.S. government-sponsored enterprises 31,885 (436) - - 31,885 (436) Total temporarily impaired securities $ 43,553 $ (566) $ 5,471 $ (54) $ 49,024 $ (620) December 31, 2014 U.S. government agencies $ - $ - $ 2,905 $ (32) $ 2,905 $ (32) State and political subdivisions 7,603 (112) 5,713 (94) 13,316 (206) Mortgage-backed securities - U.S. government-sponsored enterprises 15,679 (94) 3,432 (64) 19,111 (158) Total temporarily impaired securities $ 23,282 $ (206) $ 12,050 $ (190) $ 35,332 $ (396) As of December 31, 201 5 , we reviewed our investment portfolio for indications of impairment. This review includes analyzing the length of time and the extent to which the fair value has been lower than the cost, the financial condition and near-term prospects of the issuer, including any specific events which may influence the operations of the issuer and the intent and likelihood of selling the security. The intent and likelihood of sale of debt securities is evaluated based upon our investment strategy for the particular type of security and our cash flow needs, liquidity position, capital adequacy and interest rate risk position. For each security (including but not limited to those whose fair value is less than their amortized cost basis), a review is conducted to determine if an other-than-temporary impairment has occurred. U.S. Government Agencies At December 31, 201 5 and 201 4 , the decline in fair value and the unrealized losses for our U.S. government agencies securities were primarily due to changes in spreads and market conditions and not credi t quality. At December 31, 2015 , there were six securities with a fair value of $ 8.4 million that had an unrealized loss that amounted to $55 th ousand. As of December 31, 2015 , we did not intend to sell and it was not more-likely-than-not that we would be required to sell any of these securities before recovery of their amortized cost basis. Therefore, none of the U.S. government agency securities at December 31, 201 5 , were deemed to be other-than-temporarily impaired. At December 31, 2014 , there were two securities with a fair value of $ 2.9 million that had an unrealized loss that amounted to $32 thousand. State and Political Subdivisions At December 31, 201 5 and 2014 , the decline in fair value and the unrealized losses for our state and political subdivisions securities were caused by changes in interest rates and spreads and were not the result of credit quality. At December 31, 2015 , there were 15 securities with a fair value of $ 8.8 million that had an unrealized loss that amounted to $ 129 thousand. These securities typically have maturity dates greater than 10 years and the fair values are more sensitive to changes in market interest rates. As of December 31, 201 5 , we did not intend to sell and it was not more-likely-than-not that we would be required to sell any of these securities before recovery of their amortized cost basis. Therefore, none of our state and political subdivision securities at December 31, 201 5 , were deemed to be other-than-temporarily-impaired. At December 31, 201 4 , there were 22 securities with a fair value of $ 13.3 million that had an unrealized loss of $ 206 thousand . Mortgage-Backed Securities At December 31, 201 5 and 201 4 , the decline in fair value and the unrealized losses for our mortgaged-backed securities guaranteed by U.S. government-sponsored enterprises were primarily due to changes in spreads and market conditions and not credi t quality. At December 31, 2015 , there were 18 securities with a fair value of $ 31.9 million that had an unrealized loss of $436 th ousand. As of December 31, 2015 , we did not intend to sell and it was not more-likely-than-not that we would be required to sell any of these securities before recovery of their amortized cost basis. Therefore, none of our mortgage-backed securities at December 31, 201 5 , were deemed to be other-than-temporarily impaired. At December 31, 201 4 , there were 13 securities with a fair value of $ 19.1 million that had an unrealized loss of 158 thousand. Held to Maturity Securities The amortized cost and fair value of securities held to maturity as of December 31, 201 5 and 201 4 are summarized as follows: Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains Losses Value December 31, 2015 State and political subdivisions $ 6,834 $ 174 $ - $ 7,008 December 31, 2014 State and political subdivisions $ 6,006 $ 189 $ (5) $ 6,190 The amortized cost and fair value of securities held to maturity at December 31, 201 5 are shown below by contractual maturity. Actual maturities may differ from contractual maturities as issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Amortized Fair (Dollars in thousands) Cost Value Due in one year or less $ 2,953 $ 2,953 Due after one year through five years - - Due after five years through ten years 2,832 2,901 Due after ten years 1,049 1,154 Total held to maturity securities $ 6,834 $ 7,008 Temporarily Impaired Securities The following table shows our held to maturity investments’ gross unrealized losses and fair value with unrealized losses that are not deemed to be other than temporarily impaired, aggregated by investment category and length of time that individual held to maturity securities have been in a continuous unrealized loss position, at December 31, 201 4 . At December 31, 2015 we did not have any held to maturity investments with unrealized losses. Less Than 12 Months 12 Months or More Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized (Dollars in thousands) Value Losses Value Losses Value Losses December 31, 2014 State and political subdivisions $ - $ - $ 811 $ (5) $ 811 $ (5) As of December 31, 201 5 , we reviewed our held to maturity investment portfolio for indications of impairment. This review includes analyzing the length of time and the extent to which the fair value has been lower than the cost, the financial condition and near-term prospects of the issuer, including any specific events which may influence the operations of the issuer and the intent and likelihood of selling the security. The intent and likelihood of sale of debt securities is evaluated based upon our investment strategy for the particular type of security and our cash flow needs, liquidity position, capital adequacy and interest rate risk position. For each security whose fair value is less than their amortized cost basis, a review is conducted to determine if an other-than-temporary impairment has occurred. State and Political Subdivisions At December 31, 2015, we did not have any securities in an unrealized loss position. At December 31, 2014, there were two securities with a fair value of $811 thousand that had an unrealized loss of $5 thousand. At December 31, 201 4 , the decline in fair value and the unrealized losses for our state and political subdivisions securities were caused by changes in interest rates and spreads and were not the result of credit quality. These securities typically have maturity dates greater than 10 years and the fair values are more sensitive to changes in market interest rates .

Loans

Loans	12 Months Ended
	Dec. 31, 2015
Loans [Abstract]
Loans	NOTE 5 – LOANS The composition of net loans receivable at December 31, 201 5 and 201 4 is as follows: (Dollars in thousands) December 31, 2015 December 31, 2014 Commercial and industrial loans $ 20,023 $ 20,549 Construction 13,348 12,379 Commercial real estate 382,262 326,370 Residential real estate 127,204 111,498 Consumer and other 1,253 1,665 544,090 472,461 Unearned net loan origination fees (667) (488) Allowance for loan losses (5,590) (5,641) Net loans receivable $ 537,833 $ 466,332 Mortgage loans serviced for others are not included in the accompanying balance sheets. The total amount of loans serviced for the benefit of others was approximately $454 thousand and $475 thousand at December 31, 201 5 and 201 4 , respectively. Mortgage servicing rights were immaterial at December 31, 201 5 and 201 4 .

Allowance For Loan Losses And C

Allowance For Loan Losses And Credit Quality Of Financing Receivables	12 Months Ended
	Dec. 31, 2015
Allowance For Loan Losses And Credit Quality Of Financing Receivables [Abstract]
Allowance For Loan Losses And Credit Quality Of Financing Receivables	NOTE 6 – ALLOWANCE FOR LOAN LOSSES AND CREDIT QUALITY OF FINANCING RECEIVABLES The following table presents changes in the allowance for loan losses disaggregated by the class of loans receivable for the years ended December 31, 2015 and 2014: Commercial Commercial Residential Consumer and Real Real and (Dollars in thousands) Industrial Construction Estate Estate Other Unallocated Total Year Ended: December 31, 2015 Beginning balance $ 231 $ 383 $ 3,491 $ 903 $ 19 $ 614 $ 5,641 Charge-offs (19) - (560) (165) (25) - (769) Recoveries 17 - 41 17 7 - 82 Provision (144) (163) 674 29 86 154 636 Ending balance $ 85 $ 220 $ 3,646 $ 784 $ 87 $ 768 $ 5,590 December 31, 2014 Beginning balance $ 222 308 $ 3,399 $ 941 $ 16 $ 535 $ 5,421 Charge-offs (1) - (1,168) (181) (37) - (1,387) Recoveries 17 - 39 4 10 - 70 Provision (7) 75 1,221 139 30 79 1,537 Ending balance $ 231 $ 383 $ 3,491 $ 903 $ 19 $ 614 $ 5,641 The following table presents the balance in the allowance of loan losses at December 31, 2015 and 2014 disaggregated on the basis of our impairment method by class of loans receivable along with the balance of loans receivable by class disaggregated on the basis of our impairment methodology: Allowance for Loan Losses Loans Receivable Balance Balance Related to Related to Loans Loans Individually Collectively Individually Collectively Evaluated for Evaluated for Evaluated for Evaluated for (Dollars in thousands) Balance Impairment Impairment Balance Impairment Impairment December 31, 2015 Commercial and industrial $ 85 $ - $ 85 $ 20,023 $ 20 $ 20,003 Construction 220 - 220 13,348 - 13,348 Commercial real estate 3,646 112 3,534 382,262 5,160 377,102 Residential real estate 784 79 705 127,204 1,546 125,658 Consumer and other loans 87 73 14 1,253 138 1,115 Unallocated 768 - - - - - Total $ 5,590 $ 264 $ 4,558 $ 544,090 $ 6,864 $ 537,226 December 31, 2014 Commercial and industrial $ 231 $ 51 $ 180 $ 20,549 $ 94 $ 20,455 Construction 383 - 383 12,379 - 12,379 Commercial real estate 3,491 136 3,355 326,370 5,105 321,265 Residential real estate 903 101 802 111,498 2,314 109,184 Consumer and other loans 19 - 19 1,665 - 1,665 Unallocated 614 - - - - - Total $ 5,641 $ 288 $ 4,739 $ 472,461 $ 7,513 $ 464,948 An age analysis of loans receivable which were past due as of December 31, 2015 and 2014 is as follows: Recorded Investment Greater Total > 90 Days 30-59 Days 60-89 days Than Total Past Financing and (Dollars in thousands) Past Due Past Due 90 Days (a) Due Current Receivables Accruing December 31, 2015 Commercial and industrial $ 5 $ - $ 20 $ 25 $ 19,998 $ 20,023 $ - Construction - - - - 13,348 13,348 - Commercial real estate 758 1,461 4,016 6,235 376,027 382,262 - Residential real estate 335 247 1,138 1,720 125,484 127,204 - Consumer and other 16 1 138 155 1,098 1,253 - Total $ 1,114 $ 1,709 $ 5,312 $ 8,135 $ 535,955 $ 544,090 $ - December 31, 2014 Commercial and industrial $ 9 $ - $ 94 $ 103 $ 20,446 $ 20,549 $ - Construction 1,354 - - 1,354 11,025 12,379 - Commercial real estate 2,395 1,209 3,936 7,540 318,830 326,370 - Residential real estate 555 108 1,978 2,641 108,857 111,498 85 Consumer and other 5 - 1 6 1,659 1,665 - Total $ 4,318 $ 1,317 $ 6,009 $ 11,644 $ 460,817 $ 472,461 $ 85 (a) includes loans greater than 90 days past due and still accruing and non-accrual loans. Loans for which the accrual of interest has been discontinued at December 31, 2015 and 2014 were: (Dollars in thousands) December 31, 2015 December 31, 2014 Commercial and industrial $ 20 $ 94 Commercial real estate 4,016 3,936 Residential real estate 1,138 1,893 Consumer and other 138 1 Total $ 5,312 $ 5,924 Loans are made to individuals as well as commercial entities. Specific loan terms vary as to interest rate, repayment, and collateral requirements based on the type of loan requested and the credit worthiness of the prospective borrower. Credit risk tends to be geographically concentrated in that a majority of the loan customers are located in the markets serviced by the Company. Loan performance may be adversely affected by factors impacting the general economy or conditions specific to the real estate market such as geographic location and/or property type. A description of the Company's different loan segments follows: Commercial Loans: Commercial credit is extended primarily to middle market and small business customers. Commercial loans are generally made in the Company's market place for the purpose of providing working capital, financing the purchase of equipment, inventory or commercial real estate and for other business purposes. Loans will generally be guaranteed in full or for a meaningful amount by the businesses' major owners. Underwriting of commercial loans is based primarily on the historical and projected cash flow of the business and secondarily on the underlying collateral provided. Residential Mortgage and Consumer Loans: The Company originates mortgage and consumer loans including principally residential real estate and home equity lines and loans. Each loan type is evaluated on debt to income, type of collateral and loan to collateral value, credit history and Company relationship with the borrower. In determining the adequacy of the allowance for loan losses, the Company estimates losses based on the identification of specific problem loans through its credit review process and also estimates losses inherent in other loans on an aggregate basis by loan type. The credit review process includes the independent evaluation of the loan officer assigned risk ratings by the Chief Credit Officer and a third party loan review company. Such risk ratings are assigned loss component factors that reflect the Company’s loss estimate for each group of loans. It is management’s and the board of directors’ responsibility to oversee the lending process to ensure that all credit risks are properly identified, monitored, and controlled, and that loan pricing, terms, and other safeguards against non-performance and default are commensurate with the level of risk undertaken and is rated as such based on a risk-rating system. Factors considered in assigning risk ratings and loss component factors include: borrower specific information related to expected future cash flows and operating results, collateral values, financial condition, payment status and other information; levels of and trends in portfolio charge-offs and recoveries; levels in portfolio delinquencies; effects of changes in loan concentrations and observed trends in the economy and other qualitative measurements. The Company’s risk-rating system as defined below is consistent with the system used by regulatory agencies and consistent with industry practices. Loan classifications of Substandard, Doubtful or Loss are consistent with the regulatory definitions of classified assets. Pass : This category represents loans performing to contractual terms and conditions and the primary source of repayment is adequate to meet the obligation. The Company has five categories within the Pass classification depending on strength of repayment sources, collateral values and financial condition of the borrower. Special Mention : This category represents loans performing to contractual terms and conditions; however the primary source of repayment or the borrower is exhibiting some deterioration or weaknesses in financial condition that could potentially threaten the borrowers’ future ability to repay our loan principal and interest or fees due. Substandard : This category represents loans that the primary source of repayment has significantly deteriorated or weakened which has or could threaten the borrowers’ ability to make scheduled payments. The weaknesses require close supervision by the Company’s management and there is a distinct possibility that the Company could sustain some loss if the deficiencies are not corrected. Such weaknesses could jeopardize the timely and ultimate collection of our loan principal and interest or fees due. Loss may not be expected or evident, however, loan repayment is inadequately supported by current financial information or pledged collateral. Doubtful : Loans so classified have all the inherent weaknesses of a substandard loan with the added provision that collection or liquidation in full is highly questionable and not reasonably assured. The probability of at least partial loss is high, but extraneous factors might strengthen the asset to prevent loss. The validity of the extraneous factors must be continuously monitored. Once these factors are questionable the loan should be considered for full or partial charge-off. Loss : Loans so classified are considered uncollectible, and of such little value that their continuance as active assets of the Company is not warranted. Such loans are fully charged off. The following tables illustrate the Company’s corporate credit risk profile by creditworthiness category as of December 31, 2015 and 2014: Special (Dollars in thousands) Pass Mention Substandard Doubtful Total December 31, 2015 Commercial and industrial $ 19,983 $ 5 $ 35 $ - $ 20,023 Construction 13,348 - - - 13,348 Commercial real estate 367,305 8,957 6,000 - 382,262 Residential real estate 124,915 743 1,546 - 127,204 Consumer and other 1,115 - 138 - 1,253 $ 526,666 $ 9,705 $ 7,719 $ - $ 544,090 December 31, 2014 Commercial and industrial $ 20,446 $ 9 $ 94 $ - $ 20,549 Construction 12,379 - - - 12,379 Commercial real estate 312,172 8,257 5,941 - 326,370 Residential real estate 108,587 457 2,454 - 111,498 Consumer and other 1,527 138 - - 1,665 $ 455,111 $ 8,861 $ 8,489 $ - $ 472,461 The following table reflects information regarding the Company’s impaired loans as of December 31, 2015 and 2014 and for the years then ended: Unpaid Average Interest Recorded Principal Related Recorded Income (Dollars in thousands) Investment Balance Allowance Investment Recognized December 31, 2015 With no related allowance recorded: Commercial and industrial $ 20 $ 20 $ - $ 16 $ - Commercial real estate 2,684 2,684 - 2,488 32 Residential real estate 1,123 1,152 - 1,239 6 With an allowance recorded: Commercial and industrial - - - 19 - Commercial real estate 2,476 2,476 112 2,706 33 Residential real estate 423 423 79 687 11 Consumer and other 138 138 73 - - Total: Commercial and industrial 20 20 - 35 - Commercial real estate 5,160 5,160 112 5,194 65 Residential real estate 1,546 1,575 79 1,926 17 Consumer and other 138 138 73 - - $ 6,864 $ 6,893 $ 264 $ 7,155 $ 82 Unpaid Average Interest Recorded Principal Related Recorded Income (Dollars in thousands) Investment Balance Allowance Investment Recognized December 31, 2014 With no related allowance recorded: Commercial real estate $ 3,167 $ 3,736 $ - $ 3,923 $ 41 Residential real estate 1,829 1,835 - 1,786 53 With an allowance recorded: Commercial and industrial 94 94 51 39 2 Commercial real estate 1,938 1,938 136 3,968 37 Residential real estate 485 489 101 567 10 Total: Commercial and industrial 94 94 51 39 2 Commercial real estate 5,105 5,674 136 7,891 78 Residential real estate 2,314 2,324 101 2,353 63 $ 7,513 $ 8,092 $ 288 $ 10,283 $ 143 The average recorded investment in impaired loans is calculated using the average of impaired loans over the past five quarter-end periods. The Company recognizes income on impaired loans by recording all payments as a reduction of principal on such loans. Impaired loans include loans modified in TDRs where concessions have been granted to borrowers experiencing financial difficulties. These concessions could include a reduction in the interest rate on the loan, payment extensions, postponement or forgiveness of principal, forbearance or other actions intended to maximize collection. The following table presents the recorded investment in troubled debt restructured loans as of December 31, 2015 and 2014 based on payment performance status: (Dollars in thousands) Commercial Real Estate Residential Real Estate Total December 31, 2015 Performing $ 1,144 $ 409 $ 1,553 Non-performing 1,831 194 2,025 Total $ 2,975 $ 603 $ 3,578 December 31, 2014 Performing $ 1,169 $ 421 $ 1,590 Non-performing 2,730 224 2,954 Total $ 3,899 $ 645 $ 4,544 Troubled debt restructured loans are considered impaired and are included in the previous impaired loans disclosures in this footnote. As of December 31, 2015, we have not committed to lend additional amounts to customers with outstanding loans that are classified as TDRs. There were no TDRs that occurred during the year ended December 31, 2015 and 2014. The TDRs described above did not require an allocation of the allowance for credit losses, nor were any charge-offs recorded subsequent to modification during the years ended December 31, 2015 and 2014. There were no TDRs for which there was a payment default within twelve months following the date of the restructuring for the years ended December 31, 2015 and 2014. Loans are considered to be in payment default once they are greater than 30 days contractually past due under the modified terms. There were no charge-offs on defaulted TDRs during the year ended December 31, 2015 and 2014.

Premises And Equipment

Premises And Equipment	12 Months Ended
	Dec. 31, 2015
Premises And Equipment [Abstract]
Premises And Equipment	NOTE 7 – PREMISES AND EQUIPMENT The components of premises and equipment at December 31, 201 5 and 201 4 are as follows: (Dollars in thousands) 2015 2014 Land and land improvements $ 2,049 $ 2,049 Building and building improvements 5,953 5,953 Leasehold improvements 1,430 771 Furniture, fixtures and equipment 5,458 5,089 Assets in progress 420 175 15,310 14,037 Accumulated depreciation (6,431) (5,387) Premises and equipment, net $ 8,879 $ 8,650 During the years ended December 31, 201 5 and 201 4 , depreciation expense totaled $998 thousand and $797 thousand, respectively.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2015
Deposits:
Deposits	NOTE 8 – DEPOSITS The components of deposits at December 31, 2015 and 201 4 are as follows: (Dollars in thousands) 2015 2014 Demand, non-interest bearing $ 87,209 $ 70,490 Savings, money market and interest-bearing demand 293,774 281,163 Time deposits less than $100 thousand 86,343 68,712 Time deposits $100 thousand and over 50,530 37,905 Total deposits $ 517,856 $ 458,270 Included in time deposits at December 31, 2015 and 2014, were brokered deposits of $33.8 million and $12.2 million, respectively. At December 31, 201 5 , the scheduled maturities of time deposits are as follows: (Dollars in thousands) Within one year $ 96,505 One to two years 11,966 Two to three years 20,122 Three to four years 4,787 After four years 3,493 $ 136,873 Certificates of deposits with balances of $250 thousand or more at December 31, 2015 and 2014, totaled approximately $21.7 million and $13.3 million, respectively.

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2015
Borrowings [Abstract]
Borrowings	NOTE 9 – BORROWINGS At December 31, 201 5 , the Bank had secured borrowing potential with the Federal Home Loan Bank of New York (“FHLBNY”) for borrowings of up to $ 125.1 million and a $ 10.0 million line of credit at Atlantic Central Bankers Bank (“ACBB”). The borrowings at the FHLBNY are secured by a pledge of qualifying residential and commercial mortgage loans, having an aggregate unpaid principal balance of approximately $ 125.1 million. At December 31, 201 5 , the Bank had the ability to borrow up to $ 49.1 million at FHLBNY and $ 10.0 million at ACBB. At December 31, 2015 and 2014 , the Company had $34.7 million and $23.5 million, respectively, in overnight advances at the FHLBNY, having weighted average interest rates of 0.52% and 0.39% , respectively. T hese advances are priced at the federal funds rate plus a spread (generally between 20 and 30 basis points) and re-price daily. At December 31, 2015 and 201 4 the Bank had the following long-term borrowings from the FHLBNY: (Dollars in thousands) Interest Balance at December 31, Maturity Date Rate 2015 2014 December 7, 2016 4.00% $ 5,000 $ 5,000 June 21, 2017 4.60% 6,000 6,000 November 3, 2017 1.31% 5,000 5,000 December 7, 2017 3.97% 5,000 5,000 December 26, 2017 3.66% 5,000 5,000 December 26, 2017 3.79% 5,000 5,000 January 16, 2018 1.18% 5,000 - July 17, 2018 1.65% 5,000 5,000 September 19, 2018 1.83% 5,000 5,000 January 31, 2019 2.02% - 5,000 February 4, 2019 1.53% 5,000 - January 15, 2020 1.66% 5,000 - October 5, 2020 1.78% 5,000 - $ 61,000 $ 46,000 Maturities of long-term debt in years subsequent to December 31, 201 5 are as follows: (Dollars in thousands) Within one year $ 5,000 One to two years 26,000 Two to three years 15,000 Three to four years 5,000 Four to five years 10,000 After five years - $ 61,000 At December 31, 201 5 the Company had $61.0 million in long-term fixed rate advances, of which, $11.0 million were convertible notes that contain an option which allows the FHLBNY, at quarterly intervals, to convert the fixed convertible advance into replacement funding for the same or lesser principal amount based on any advance then offered by the FHLBNY at their current market rates.

Junior Subordinated Debentures

Junior Subordinated Debentures And Mandatory Redeemable Capital Debentures	12 Months Ended
	Dec. 31, 2015
Junior Subordinated Debentures And Mandatory Redeemable Capital Debentures [Abstract]
Junior Subordinated Debentures And Mandatory Redeemable Capital Debentures	NOTE 10 – JUNIOR SUBORDINATED DEBENTURES AND MANDATORY REDEEMABLE CAPITAL DEBENTURES On June 28, 2007, Sussex Capital Trust II, a Delaware statutory business trust and a non-consolidated wholly-owned subsidiary of the Company, issued $ 12.5 million of variable rate capital trust pass-through securities to investors. Sussex Capital Trust II purchased $ 12.9 million of variable rate junior subordinated deferrable interest debentures from the Company. The debentures are the sole asset of the Trust. The terms of the junior subordinated debentures are the same as the terms of the capital securities. The Company has also fully and unconditionally guaranteed the obligations of the Trust under the capital securities. The variable interest rate reprices quarterly at the three month LIBOR plus 1.44 % and was 1.95 % and 1.68% at December 31, 201 5 and 2014, respectively . The capital securities are currently redeemable by the Company at par in whole or in part. The capital securities must be redeemed upon final maturity of the subordinated debentures on September 15, 2037 .

Lease Commitments And Total Ren

Lease Commitments And Total Rental Expense	12 Months Ended
	Dec. 31, 2015
Lease Commitments And Total Rental Expense [Abstract]
Lease Commitments And Total Rental Expense	NOTE 11 – LEASE COMMITMENTS AND TOTAL RENTAL EXPENSE The Company has operating lease agreements expiring in various years through 202 8 . The Company has the option to extend the lease agreements for additional lease terms. The Company is responsible to pay all real estate taxes, insurance, utilities and maintenance and repairs on its leased facilities. Future minimum payments under non-cancellable leases by year are as follows as of December 31, 201 5 : (Dollars in thousands) 2016 $ 732 2017 660 2018 577 2019 577 2020 171 Thereafter 682 $ 3,399 Rent expense was $ 649 thousand and $ 530 thousand for t he years ended December 31, 2015 and 201 4 , respectively.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2015
Employee Benefit Plans [Abstract]
Employee Benefit Plans	NOTE 12 – EMPLOYEE BENEFIT PLANS The Company has a 401(k) Plan and Trust (the “401(k) Plan”) for its employees. Non-highly compensated employees may contribute up to the statutory limit of 75 % of their salary to the 401(k) Plan. Highly compensated employees are restricted to a contribution up to 7 % of their salary. The Company provides a 50 % match of the employee's contribution up to 6 % of the employee's annual salary. The amount charged to expense related to the 401(k) Plan for the years ended December 31, 201 5 and 201 4 was $135 thousand and $130 thousand, respectively. The Company also maintains nonqualified Supplemental Salary Continuation Plans (the “Supplemental Plans”) covering the Company’s former Chairman and a former executive officer of the Company. Under the provisions of the Supplemental Plans, the Company has executed agreements providing the officers a retirement benefit. Payments from the Supplemental Plans for the Chairman began in May of 2008 and the other executive started in April of 2010. For the years end ed December 31, 2015 and 2014 , $57 thousand and $62 thousand, respectively, was charged to expense in connection with the Plans . At December 31, 2015 and 2014 , the carrying value of the Supplemental Plans was $795 thousand and $868 thousand , respectively. In March of 2005, the Board of Directors approved an Executive Incentive and Deferred Compensation Plan (the “Incentive Plan”). The purpose of the Incentive Plan is to motivate and reward participants for achieving bank financial and strategic goals as well as to provide specified benefits to a select group of management or highly compensated employees who contribute materially to the continued growth, development and future business success of the Company . Participants may elect to receive their award or defer compensation in a deferral account which will earn interest at the average interest rate earned by the Company in its investment portfolio, compounded monthly. At December 31, 201 5 and 2014 , the carrying value of deferred compensation was $173 thousand and $148 thousand, respectively. In July 2006, the Board of Directors adopted a Director Deferred Compensation Agreement for both the Bank and the Company (the “DCA”). Under the terms of the DCA, a director may elect to defer all or a portion of his retainer and fees for the coming year. Under the DCA, only the payment of the compensation earned is deferred, and there is no deferral of the expense in the Company’s financial statements related to the participant’s deferred compensation, which will be charged to the Company’s income statement as an expense in the period in which the participant earned the compensation. The deferred amounts are credited with earnings at a rate equal to the average interest rate earned by the Company on its investment portfolio or at a rate that tracks the performance of the Company’s common stock. In September 2015, the Board of Directors adopted an amendment under the DCA. The amendment, which is effective October 1, 2015, specifies that participants are no longer eligible to be credited earnings based on a rate that tracks the performance of the Company’s common stock on new amounts deferred after such date. Additionally, effective January 1, 2016, the maximum earnings on deferred compensation amounts that are eligible to be credited with an earnings rate that tracks the performance of the Company’s common stock is limited to 10% of the stock price at end of the previous plan year. The participant’s benefit will be distributed to the participant or his beneficiary upon a change in control of the Company, the termination of the DCA, the occurrence of an unforeseeable emergency, the termination of service or the participant’s death or disability. Upon distribution, a participant’s benefit will be paid in monthly installments over a period of ten years. At December 31, 201 5 and 201 4 , the carrying value of the DCA was $1.2 million a nd $833 thousand, respectively. In July 2011, the Company entered into a Supplemental Executive Retirement Agreement (“SERP”), a non-qualified defined contribution pension plan that provides supplemental retirement income for the Company’s Chief Executive Officer. The SERP was effective as of January 1, 2011. Based on the attainment of certain annual performance targets, the Company will make annual contributions to the SERP. Any amounts credited to the SERP will accrue interest equal to that paid by U.S. 10-year Treasury Notes for each applicable year. The SERP provides for the benefits to be paid monthly over a 5 -year period commencing the first day of the month following the later of the participant’s 6 5 th birthday, or normal retirement age, or termination of employment. At December 31, 201 5 and 201 4 , the carrying value of the SERP was $239 thousand and $179 thousand, respectively.

Comprehensive Income

Comprehensive Income	12 Months Ended
	Dec. 31, 2015
Comprehensive Income [Abstract]
Comprehensive Income	NOTE 13 – COMPREHENSIVE INCOME Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities, are reported as a separate component of the equity section of the balance sheet, such items, along with net income, are components of comprehensive income. The components of other comprehensive income ( loss ) , both before tax and net of tax, are as follows: Year Ended December 31, 2015 Year Ended December 31, 2014 Before Tax Tax Effect Net of Tax Before Tax Tax Effect Net of Tax (Dollars in thousands) Other comprehensive (loss) income: Unrealized gains on available for sale securities $ 134 $ 54 $ 80 $ 4,155 $ 1,662 $ 2,493 Reclassification adjustment for net gains on securities transactions included in net income (271) (108) (163) (289) (116) (173) Total other comprehensive (loss) income $ (137) $ (54) $ (83) $ 3,866 $ 1,546 $ 2,320 Reclassification adjustments for gains on securities transa ctions of $271 thousand and $289 thousand for the years ended December 31, 201 5 and 201 4 , respectively, are presented in the income statement on the line item for net gain on securities transactions.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2015
Earnings Per Share [Abstract]
Earnings Per Share	NOTE 14 – EARNINGS PER SHARE The following table sets forth the computations of basic and diluted earnings per share: Income Shares Per Share (In thousands, except share and per share data) (Numerator) (Denominator) Amount Year Ended December 31, 2015: Basic earnings per share: Net earnings applicable to common stockholders $ 3,700 4,559,316 $ 0.81 Effect of dilutive securities: Unvested stock awards - 32,506 Diluted earnings per share: Net income applicable to common stockholders and assumed conversions $ 3,700 4,591,822 $ 0.81 Year Ended December 31, 2014: Basic earnings per share: Net earnings applicable to common stockholders $ 2,600 4,541,305 $ 0.57 Effect of dilutive securities: Unvested stock awards - 39,045 Diluted earnings per share: Net income applicable to common stockholders and assumed conversions $ 2,600 4,580,350 $ 0.57 There were 58,274 and 9,381 shares of unvested restricted stock awards and options outstanding during December 31, 201 5 and 2014 , respectively, that were not included in the computation of diluted EPS because to do so would have been anti-dilutive for the periods presented.

Stock Incentive Plans

Stock Incentive Plans	12 Months Ended
	Dec. 31, 2015
Stock Incentive Plans [Abstract]
Stock Incentive Plans	NOTE 15 – STOCK INCENTIVE PLANS During 2005, the stockholders approved the 2004 Equity Incentive Plan (the “2004 Plan”) to provide equity incentives to selected persons. Awards may be granted to employees, officers, directors, consultants and advisors of the Company or subsidiary. Awards granted under the 2004 Plan may be either stock options or restricted stock awards and are designated at the time of grant. Options granted under the 2004 Plan to directors, consultants and advisors are non-qualified stock options. Options granted to officers and other employees may be incentive stock options or non-qualified stock options. Restricted stock awards may be made to any plan participant. As of December 31, 2014, there were no authorized shares available for future grants under the 2004 Plan. During 2013, the stockholders approved the 2013 Equity Incentive Plan (the “2013 Plan”) to provide equity incentives to selected persons. Awards may be granted to employees, officers, directors, consultants and advisors of the Company or subsidiary. Awards granted under the 2013 Plan may be either stock options or restricted stock awards and are designated at the time of grant. Restricted stock awards may be made to any plan participant. As of December 31, 2015 , ther e were 185,335 shares available for future grants under the 2013 Plan. Information regarding the Company's restricted stock grants activity for the years ended December 31, 201 5 and 2014 are as follows: 2015 2014 Weighted Weighted Average Average Number of Grant Date Number of Grant Date Shares Fair Value Shares Fair Value Unvested restricted stock, beginning of year 112,545 $ 6.06 125,922 $ 4.98 Granted 32,692 10.54 36,043 8.81 Forfeited (1,001) 9.19 (2,550) 7.20 Vested (50,666) 5.93 (46,870) 5.21 Unvested restricted stock, end of period 93,570 $ 7.67 112,545 $ 6.06 Total stock-based compensation related to restricted stock awards was $ 337 thousand and $ 300 thousand for t he years ended December 31, 2015 and December 31, 201 4 , respectively. As of December 31, 201 5 and 201 4 , there were $ 433 thousand and $ 439 thousand, respectively, of unrecognized compensation cost related to non-vested restricted stock awards which is expected to be recognized over a weighted average period of 1.4 years and 1.7 years. Options granted to officers and other employees and which are incentive stock options, are subject to limitations under Section 422 of the Internal Revenue Code. The option price under each such grant shall not be less than the fair market value on the date of the grant. No option will be granted for a term in excess of ten years. The Company established a vesting schedule that must be satisfied before the options may be exercised. Stock option transactions under all plans are summarized as follows: Weighted Average Weighted Exercise Average Aggregate Number of Price per Contractual Intrinsic Shares Share Term Value Outstanding, December 31, 2013 32,749 $ 14.31 Options granted 36,000 9.97 Options expired (22,224) 14.97 Outstanding, December 31, 2014 46,525 10.63 Options granted 15,985 10.25 Options expired (10,525) 12.91 Outstanding, December 31, 2015 51,985 $ 10.06 8.9 $ 157,717 Exercisable, December 31, 2015 7,200 $ 9.97 8.9 $ 21,844 The following table summarizes information about stock options outstanding and exercisable at December 31, 201 5 : Weighted Exercise Number Average Remaining Number Price Outstanding Life (Years) Exercisable 9.97 36,000 8.9 7,200 10.25 15,985 9.1 - 51,985 8.9 7,200 At December 31, 2015, the aggregated intrinsic value of all outstanding option and exercisable options was $158 thousand and $22 thousand, respectively . The following table summarizes information about stock option assumptions : 2015 2014 Expected dividend yield 1.56% 1.20% Expected volatility 34.32% 34.47% Risk-free interest rate 1.37% 1.55% Expected option life 7.5 Years 7.5 Years The expected dividend yield is based on the Company’s current common stock dividend rate divided by the closing price of the Company shares at the grant date. The expected volatility is based on the closing common stock price of the Company shares over a 5 year period. The assumed risk-free interest rate is based on the US Treasury note rate for a term equivalent to the expected option life at the time of the option grant. The expected life of options amount is estimated as the mid-point between the vesting period and the expiration date of the options granted. Total stock-based compensation related to stock options was $37 thousand and $4 thousand for the year ended December 31, 2015 and 2014 , respectively. The weighted average grant date fair value of options granted during the year ended December 31, 2015 was $3.56 per share. Expected future expense relating to the non-vested options outstanding as of December 31, 201 5 is $150 thousand over a weighted average period of 3.9 years. Upon exercise of vested options, management expects to draw on treasury stock as the source of the shares.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2015
Income Taxes [Abstract]
Income Taxes	NOTE 16 – INCOME TAXES The Company and its subsidiary are subject to U.S. federal and state income tax. The components of income tax expense for the years ended December 31, 2015 and 2014 are as follows: (Dollars in thousands) 2015 2014 Current: Federal $ 1,014 $ 1,402 State 439 524 1,453 1,926 Deferred: Federal 117 (689) State 70 (236) 187 (925) $ 1,640 $ 1,001 The reconciliation of the statutory federal income tax at a rate of 34% to the income tax expense included in the statements of income and comprehensive income for the years ended December 31, 201 5 and 201 4 is as follows: (Dollars in thousands) 2015 2014 Federal income tax at statutory rate $ 1,816 34 % $ 1,224 34 % Tax exempt interest (312) (6) (327) (9) State income tax, net of federal income tax effect 336 6 190 5 Bank owned life insurance (106) (2) (110) (3) Other (94) (1) 24 1 $ 1,640 31 % $ 1,001 28 % The components of the net deferred tax asset at December 31, 201 5 and 201 4 are as follows: (Dollars in thousands) 2015 2014 Deferred tax assets: Allowance for loan losses $ 2,233 $ 2,253 Deferred compensation 953 679 Deferred Fees 347 138 Foreclosed real estate 219 204 Restricted stock 115 55 AMT credit - 391 Other 214 281 Total deferred tax assets 4,081 4,001 Deferred tax liabilities: Depreciation (441) (285) Prepaid expenses (254) (143) Unrealized gain on securities, available for sale (58) (113) Total deferred tax liabilities (753) (541) Net deferred tax asset $ 3,328 $ 3,460

Transactions With Executive Off

Transactions With Executive Officers, Directors And Principal Stockholders	12 Months Ended
	Dec. 31, 2015
Transactions With Executive Officers, Directors And Principal Stockholders [Abstract]
Transactions With Executive Officers, Directors And Principal Stockholders	NOTE 17 – TRANSACTIONS WITH EXECUTIVE OFFICERS, DIRECTORS AND PRINCIPAL STOCKHOLDERS The Company has had, and may be expected to have in the future, banking transactions in the ordinary course of business with its executive officers, directors, principal stockholders, their immediate families and affiliated companies (commonly referred to as related parties), on the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with others. The related party loan activity for the years ended December 31, 201 5 and 201 4 is summarized as follows: (Dollars in thousands) 2015 2014 Balance, beginning $ 6,136 $ 6,431 Disbursements 2,664 349 Repayments and other (2,153) (644) Balance, ending $ 6,647 $ 6,136 Certain related parties of the Company provided legal services and appraisal services to the Company. Legal services provided by related parties totaled $ 14 thousand and $ 73 thousand for the years ended December 31, 201 5 and 201 4 , respectively. Appraisal services provided by related parties totaled $ 12 thousand and $ 18 thousand for the years ended December 31, 201 5 and 201 4 , respectively. Engineering services provided by related parties totaled $6 thousand and $26 thousand for the year ended December 31, 2015 and 2014 , respectively . The Company also paid rent to related parties for an office location in the amount of $ 147 thousand and $ 146 thousand for the years ended December 31, 201 5 and 201 4 , respectively.

Financial Instruments With Off-

Financial Instruments With Off-Balance Sheet Risk	12 Months Ended
	Dec. 31, 2015
Financial Instruments With Off-Balance Sheet Risk [Abstract]
Financial Instruments With Off-Balance Sheet Risk	NOTE 18 – FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and letters of credit. Those instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the balance sheet. The Company's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. A summary of the Company's financial instrument commitments at December 31, 201 5 and 201 4 is as follows: (Dollars in thousands) 2015 2014 Commitments to grant loans $ 30,561 $ 20,199 Unfunded commitments under lines of credit 53,087 39,968 Outstanding standby letters of credit 990 910 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. The Company evaluates each customer's credit worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management's credit evaluation. Collateral held varies but may include personal or commercial real estate, accounts receivable, inventory and equipment. Outstanding letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for standby letters of credit is represented by the contractual amount of those instruments. These standby letters of credit expire within twelve months, although many have automatic renewal provisions. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending other loan commitments. The Company requires collateral and personal guarantees supporting these letters of credit as deemed necessary. Management believes that the proceeds obtained through a liquidation of such collateral and enforcement of personal guarantees would be sufficient to cover the maximum potential amount of future payments required under the corresponding guarantees. The current amount of the liability as of December 31, 201 5 and 201 4 for guarantees under standby letters of credit issued is not material.

Capital And Regulatory Matters

Capital And Regulatory Matters	12 Months Ended
	Dec. 31, 2015
Capital And Regulatory Matters [Abstract]
Capital And Regulatory Matters	NOTE 19 – CAPITAL AND REGULATORY MATTERS The Company is required to maintain cash reserve balances either in vault cash or with the Federal Reserve Bank. The total of those reserve balances was approximately $ 2.3 million at December 31, 201 5 . The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet the minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk-weightings and other factors. The federal banking agencies have substantially amended the regulatory risk-based capital rules applicable to the Bank. The amendments implemented the “Basel III” regulatory capital reforms and changes required by the Dodd-Frank Act. The new rules apply regulatory capital requirements to the Bank. The amended rules included new minimum risk-based capital and leverage ratios, which became effective in January 2015, with certain requirements to be phased in beginning in 2016, and refined the definition of what constitutes “capital” for purposes of calculating those ratios. The new minimum capital level requirements applicable to the Bank include: (i) a new common equity Tier 1 capital ratio of 4.5%; (ii) a Tier 1 capital ratio of 6% (increased from 4%); (iii) a total capital ratio of 8% (unchanged from current rules); and (iv) a Tier 1 leverage ratio of 4% for all institutions. The amended rules also establish a “capital conservation buffer” of 2.5% above the new regulatory minimum capital ratios, and would result in the following minimum ratios: (i) a common equity Tier 1 capital ratio of 7.0%; (ii) a Tier 1 capital ratio of 8.5%; and (iii) a total capital ratio of 10.5%. The new capital conservation buffer requirement will be phased in beginning in January 2016 at 0.625% of risk-weighted assets and will increase each year until fully implemented in January 2019. An institution will be subject to limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses if its capital level falls below the buffer amount. These limitations will establish a maximum percentage of eligible retained income that could be utilized for such actions. As of December 31, 201 5 , the most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since that notification that management believes have changed the Bank’s category. The Bank’s actual capital amounts and ratios at December 31, 201 5 and 201 4 are presented below: To be Well Capitalized under Prompt For Capital Adequacy Corrective Action Actual Purposes Provisions (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio As of December 31, 2015 Total capital (to risk-weighted assets): $ 68,283 12.79% $ >42,722 >8.00% $ >53,402 >10.00% Tier I capital (to risk-weighted assets): 62,693 11.74 >32,041 >6.00 >42,722 >8.00 Common equity tier I capital (to average assets): 62,693 11.74 >24,031 >4.50 >34,711 >6.50 Tier I capital (to average assets): 62,693 9.45 >26,548 >4.00 >33,184 >5.00 As of December 31, 2014 Total capital (to risk-weighted assets): $ 64,283 14.02% $ >36,674 >8.00% $ >45,843 >10.00% Tier I capital (to risk-weighted assets): 58,640 12.79 >18,337 >4.00 >27,506 >6.00 Common equity tier I capital (to average assets): N/A N/A N/A N/A N/A N/A Tier I capital (to average assets): 58,640 10.19 >23,022 >4.00 >28,778 >5.00 The Bank is subject to certain restrictions on the amount of dividends that it may declare due to regulatory considerations. The State of New Jersey banking laws specify that no dividend shall be paid by the Bank on its capital stock unless, following the payment of such dividend, the capital stock of the Bank will be unimpaired and the Bank will have a surplus of not less than 50 % of its capital stock or, if not, the payment of such dividend will not reduce the surplus of the Bank. At December 31, 201 5 , the Bank’s funds available for payment of dividends were $ 58.2 million. Accordingly, $ 7.5 million of the Company’s equity in the net assets of the Bank was restricted as of December 31, 201 5 . In addition, dividends paid by the Bank to the Company would be prohibited if the effect thereof would cause the Bank’s capital to be reduced below applicable minimum capital requirements.

Parent Company Only Financial

Parent Company Only Financial	12 Months Ended
	Dec. 31, 2015
Parent Company Only Financial [Abstract]
Parent Company Only Financial	NOTE 20 – PARENT COMPANY ONLY FINANCIAL Condensed financial information pertaining only to the parent company, Sussex Bancorp, is as follows: BALANCE SHEETS December 31, (Dollars in thousands) 2015 2014 Assets Cash $ 69 $ 1 Investment in subsidiary 65,986 62,016 Accrued interest and other assets 1,466 2,635 Total Assets $ 67,521 $ 64,652 Liabilities and Stockholders' Equity Other liabilities $ 693 $ 536 Junior subordinated debentures 12,887 12,887 Stockholders' equity 53,941 51,229 Total Liabilities and Stockholders' Equity $ 67,521 $ 64,652 STATEMENTS OF INCOME AND COMPREHENSIVE INCOME Year Ended December 31, (Dollars in thousands) 2015 2014 Interest on investments $ - $ 8 Net realized gain loss on sale of securities - (1) Interest expense on debentures (220) (212) Other expenses (311) (266) Loss before income tax benefit and equity in undistributed net income of subsidiaries (531) (471) Income tax benefit 179 159 Loss before equity in undistributed net income of subsidiaries (352) (312) Equity in undistributed net income of subsidiaries 4,052 2,912 Net Income 3,700 2,600 Comprehensive income $ 3,617 $ 4,920 STATEMENTS OF CASH FLOWS Year Ended December 31, (Dollars in thousands) 2015 2014 Cash Flows from Operating Activities: Net Income $ 3,700 $ 2,600 Adjustments to reconcile net income to net cash provided by (used in) operating activities: Net change in other assets and liabilities 1,699 (718) Equity in undistributed net income of subsidiaries (4,052) (2,912) Net Cash Provided by (Used in) Operating Activities 1,347 (1,030) Cash Flows from Investing Activities: Securities available for sale: Sales - 320 Net Cash Provided by Investing Activities - 320 Cash Flows from Financing Activities: Cash dividends paid (746) (420) Purchase of treasury stock (533) - Net Cash (Used in) Provided by Financing Activities (1,279) (420) Net Increase (Decrease) in Cash and Cash Equivalents 68 (1,130) Cash and Cash Equivalents - Beginning of Year 1 1,131 Cash and Cash Equivalents - End of Year $ 69 $ 1

Contingencies

Contingencies	12 Months Ended
	Dec. 31, 2015
Contingencies [Abstract]
Contingencies	NOTE 21 – CONTINGENCIES In the normal course of business, the Company is subject to various lawsuits involving matters generally incidental to its business. Management is of the opinion that the ultimate liability, if any, resulting from any pending actions or proceedings will not have a material effect on the financial condition or results of operations of the Company.

Summary Of Significant Accoun29

Summary Of Significant Accounting Policies (Policy)	12 Months Ended
	Dec. 31, 2015
Summary Of Significant Accounting Policies [Abstract]
Principles Of Consolidation	Principles of Consolidation The consolidated financial statements include the accounts of Sussex Bancorp (the “Company”) and its wholly owned subsidiary, Sussex Bank (the “Bank”). The Bank’s wholly owned subsidiaries are SCB Investment Company, Inc., SCBNY Company, Inc., ClassicLake Enterprises, LLC, Wheatsworth Properties Corp., PPD Holding Company, LLC and Tri-State Insurance Agency, Inc. (“Tri-State”). All intercompany transactions and balances have been eliminated in consolidation.
Organization And Nature Of Operations	Organization and Nature of Operations The Company’s business is conducted principally through the Bank. The Bank is a New Jersey state chartered bank and provides full banking services. The Bank generates commercial, mortgage and consumer loans and receives deposits from customers at its eight branches located in Sussex County, New Jersey, one branch in Warren County, New Jersey, one in Queens County, New York and one branch in Orange County, New York. As a state bank, the Bank is subject to regulation by the New Jersey Department of Banking and Insurance and the Federal Deposit Insurance Corporation. The Company is subject to regulation by the Federal Reserve Board. SCB Investment Company, Inc. and SCBNY Company, Inc. hold portions of the Bank’s investment portfolio. Tri-State provides insurance agency services mostly through the sale of property and casualty insurance policies. ClassicLake Enterprises, LLC, PPD Holding Company, LLC and Wheatsworth Properties Corp. hold certain foreclosed properties. The Company opened a corporate office in Rockaway, New Jersey during the first quarter of 2014, a regional office and corporate center in Wantage, New Jersey during the third quarter of 2014 , and opened a branch in Astoria, Queens, New York during the first quarter of 2015.
Estimates	Estimates The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America (“U.S. GAAP”) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the other-than-temporary impairment, allowance for loan losses, valuation of foreclosed real estate, valuation of goodwill, the valuation of deferred tax assets and the fair value of financial instruments.
Significant Group Concentration Of Credit Risk	Significant Group Concentrations of Credit Risk Most of the Company’s activities are with customers located within Sussex County, New Jersey and adjacent counties in the states of New Jersey, New York and Pennsylvania. Notes 3 and 4 discuss the types of securities that the Company invests in. The types of lending that the Company engages are included in Note 5. Although the Company has a diversified loan portfolio, its debtors’ ability to honor their contracts is influenced by the region’s economy. The Company does not have any significant concentrations in any one industry or customer.
Cash And Cash Equivalents	Cash and Cash Equivalents For purposes of the consolidated statements of cash flows, cash and cash equivalents include highly liquid instruments with original maturities of less than 90 days, primarily, balances due from banks, interest bearing deposits with banks and federal funds sold. Generally, federal funds are purchased and sold for one-day periods.
Securities	Securities Securities are designated at the time of acquisition as available for sale or held to maturity. Securities that the Company will hold for indefinite periods of time and that might be sold in the future as part of efforts to manage interest rate risk or in response to changes in interest rates, changes in prepayment risk, changes in market conditions or changes in economic factors are classified as available for sale. Securities available for sale are carried at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive (loss) income, net of related deferred tax effect. Securities that the Company has the positive intent and ability to hold to maturity are designated as held to maturity regardless of changes in market conditions, liquidity needs or changes in general economic conditions and carried at amortized cost. Purchase premiums and discounts are recognized in interest income using the level yield method over the contractual terms of the securities. Gains and losses realized on sales of securities are determined on the specific identification method and are reported in non-interest income. The Company periodically evaluates the security portfolio to determine if a decline in the fair value of any security below its cost basis is other-than-temporary. The Company’s evaluation of other-than-temporary impairment considers the duration and severity of the impairment, the company’s intent and ability to hold the securities and our assessments of the reason for the decline in value and the likelihood of a near-term recovery. If a determination is made that a debt security is other-than-temporarily impaired, the Company will estimate the amount of the unrealized loss that is attributable to credit and all other non-credit related factors. The credit related component will be recognized as an other-than-temporary impairment charge in non-interest income. The non-credit related component will be recorded as an adjustment to accumulated other comprehensive income (“AOCI”), net of tax.
Federal Home Loan Bank Stock	Federal Home Loan Bank Stock Federal law requires a member institution of the Federal Home Loan Bank (“FHLB”) system to hold stock of its district FHLB according to a predetermined formula. Based on redemption provisions of the FHLB, the stock has no quoted market value and is carried at cost. The FHLB stock was carried at $ 5.2 million and $3.9 million for the years ended December 31, 2015 and 2014, respectively.
Loans Receivable	Loans Receivable Loans receivable that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at their outstanding unpaid principal balances, net of an allowance for loan losses and any deferred fees or costs. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the yield (interest income) of the related loans. The Bank is generally amortizing these amounts over the contractual life of the loan. The loans receivable portfolio is segmented into commercial and residential and consumer loans. Commercial loans consist of the following classes: commercial and industrial, commercial real estate, and construction loans. Residential and consumer loans consist of the following classes: residential real estate and consumer and other loans. For all classes of loans, the accrual of interest is discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan is currently performing. A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured. When a loan is placed on nonaccrual status, unpaid interest credited to income in the current year is reversed and unpaid interest accrued in prior years is charged against the allowance for loan losses. Interest received on nonaccrual loans including impaired loans generally are either applied against principal or reported as interest income, according to management’s judgment as to the collectability of principal. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time (generally six months) and the ultimate collectability of the total contractual principal and interest is no longer in doubt. The past due status of all classes of loans receivable is determined based on contractual due dates for loan payments.
Allowance For Loan Losses	Allowance for Loan Losses The allowance for loan losses represents the amount, which, in management’s judgment, will be adequate to absorb credit losses inherent in the loan portfolio as of the balance sheet date. The adequacy of the allowance is determined by management’s evaluation of the loan portfolio based on such factors as the differing economic risks associated with each loan category, the current financial condition of specific borrowers, the economic environment in which borrowers operate, the level of delinquent loans, the value of any collateral and, where applicable, the existence of any guarantees or indemnifications. The allowance for loan losses is established through provisions for loan losses charged against income. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance for loan losses. The allowance for loan losses consists of specific , general and unallocated components. The specific component relates to loans that are classified as impaired. For such loans, an allowance is established when the discounted cash flows, collateral value or observable market price is lower than the carrying value for that loan. The general component covers all other loans and is based on historical loss factors adjusted for general economic factors and other qualitative risk factors such as changes in delinquency trends, industry concentrations and local/national economic trends. The allowance contains reserves identified as unallocated. These reserves reflect management's attempt to ensure that the overall allowance reflects a margin for imprecision and the uncertainty that is inherent in estimates of probable credit losses. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis for commercial and industrial, commercial real estate and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s observable market price or the fair value of the collateral if the loan is collateral dependent.
Troubled Debt Restructurings ("TDR")	Troubled Debt Restructurings (“TDR”) A modification to the terms of a loan is generally considered a TDR if the Company grants a concession to the borrower that it would not otherwise consider for economic or legal reasons related to the debtor’s financial difficulties. A TDR may include, but is not necessarily limited to, the modification of loan terms such as a temporary or permanent reduction of the loan’s stated interest rate, extension of the maturity date and/or reduction or deferral of amounts owed under the terms of the loan agreement. All restructured loans that qualify as TDRs are placed on nonaccrual status for a period of no less than six months after restructuring, irrespective of the borrower’s adherence to a TDR’s modified repayment terms during which time TDRs continue to be adversely classified and reported as impaired. TDRs may be returned to accrual status if (1) the borrower has performed in accordance with the terms of the restructured loan agreement for no less than six consecutive months after restructuring, and (2) the Company expects to receive all principal and interest owed in accordance with the terms of the restructured loan agreement. If these conditions are met the loan may also be returned to a non-adverse classification while retaining its impaired status.
Transfers Of Financial Assets	Transfers of Financial Assets Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Foreclosed Real Estate	Foreclosed Real Estate Foreclosed real estate is primarily comprised of property acquired through a foreclosure proceeding or acceptance of a deed-in-lieu of foreclosure. Foreclosed real estate is initially recorded at fair value, less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less costs to sell. Revenues and expenses from operations and changes in the valuation allowance are included in expenses related to foreclosed real estate. We may obtain physical possession of residential real estate collateralizing a consumer mortgage loan via foreclosure on an in-substance repossession. As of December 31, 2015, we hold $130 thousand in foreclosed residential real estate properties as a result of obtaining physical possession. In addition, as of December 31, 2015, we had consumer loans with a carrying value of $945 thousand collateralized by residential real estate property for which formal foreclosure proceedings were in process.
Premises And Equipment	Premises and Equipment Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed on the straight-line method over the following estimated useful lives of the related assets: Years Buildings and building improvements 20 – 40 Leasehold improvements 5 – 10 Furniture, fixtures and equipment 5 – 10 Computer equipment and software 3 – 5
Bank Owned Life Insurance	Bank-owned Life Insurance (“BOLI”) BOLI is carried at the amount that could be realized under the Company’s life insurance contracts as of the date of the consolidated balance sheets and is classified as a non-interest earning asset. BOLI involves purchasing life insurance by the Company on a chosen group of employees in order to fund certain employee and director benefits. The Company is the owner and beneficiary of the policies. Increases in the carrying value are recorded as non-interest income in the consolidated statements of income and insurance proceeds received are generally recorded as a reduction of the carrying value. The carrying value consists of cash surrender value of $12.5 million at December 31, 2015 and $12.2 million at December 31, 2014.
Goodwill	Goodwill Goodwill represents the excess of the purchase price over the fair market value of net assets acquired. At December 31, 2015 and 2014, the Company has recorded goodwill totaling $ 2.8 million, primarily as a result of the acquisition of an insurance agency in 2001. In accordance with current accounting standards, goodwill is not amortized, but evaluated at least annually for impairment. Any impairment of goodwill results in a charge to income. The Company periodically assesses whether events and changes in circumstances indicate that the carrying amounts of goodwill and intangible assets may be impaired. The estimated fair value of the reporting segment exceeded its book value; therefore, no write-down of goodwill was required. The goodwill related to the insurance agency is not deductible for tax purposes.
Advertising Costs	Advertising Costs The Company follows the policy of charging the costs of advertising to expense as incurred.
Income Taxes	Income Taxes The Company accounts for income taxes under the asset/liability method in accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification 740, Income Taxes . The income tax guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases, as well as operating loss and tax credit carryforwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period in which they occur. A valuation allowance is established against deferred tax assets when, in the judgment of management, it is more likely than not that such deferred tax assets will not become available. Because the judgment about the level of future taxable income is dependent to a great extent on matters that may, at least in part, be beyond the Company’s control, it is at least reasonably possible that management’s judgment about the need for a valuation allowance for deferred taxes could change in the near term. In connection with the accounting guidance related to accounting for uncertainty in income taxes, which sets out a consistent framework to determine the appropriate level of tax reserves to maintain for uncertain tax positions, the Company has evaluated its tax positions as of December 31, 2015. A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of the tax benefit that has more than a 50 percent likelihood of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. Under the “more likely than not” threshold guidelines, the Company believes no significant uncertain tax positions exist, either individually or in the aggregate, that would give rise to the non-recognition of an existing tax benefit. As of December 31, 2015 the Company had no material unrecognized tax benefits or accrued interest or penalties. The Company’s policy is to account for interest as a component of interest expense and penalties as a component of other expense. The Company and its subsidiaries file a consolidated federal income tax return as well as income tax returns in the States of New Jersey, New York and Pennsylvania. The Company’s federal and state income tax returns subsequent to 201 2 remain subject to examination by respective tax authorities.
Off-Balance Sheet Financial Instruments	Off-Balance Sheet Financial Instruments In the ordinary course of business, the Bank has entered into off-balance sheet financial instruments consisting of commitments to extend credit and letters of credit. Such financial instruments are recorded in the balance sheet when they are funded.
Stock Compensation Plans	Stock Compensation Plans The Company currently has several stock plans in place for employees and directors of the Company. U.S. GAAP requires that the compensation cost relating to share-based payment transactions be recognized in financial statements . The share-based compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over a defined vesting period. For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite vesting period for the entire award. A Black-Scholes model is used to estimate the fair value of stock options, while the market price of the Company’s common stock at the date of grant is used for restricted stock awards.
Earnings Per Share	Earnings per Share Basic earnings per share represents net income available to common stockholders divided by the weighted-average number of common shares outstanding during the period. The weighted-average common shares outstanding include the weighted-average number of shares of common stock outstanding less the weighted average number of unvested shares of restricted stock. Diluted earnings per share reflect additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate to outstanding stock options and non-vested restricted stock grants. Potential common shares related to stock options are determined using the treasury stock method.
Treasury Stock	Treasury Stock Repurchases of shares of Company common stock are recorded at cost as a reduction of stockholders’ equity. Reissuances of shares of treasury stock are recorded at average cost.
Segment Reporting	Segment Reporting The Company acts as an independent community financial services provider and offers traditional banking and related financial services to individual, business and government customers. Through its branch and automated teller machine networks, the Bank offers a full array of commercial and retail financial services, including taking of time, savings and demand deposits; the making of commercial, consumer and mortgage loans; and the providing of other financial services. Management does not separately allocate expenses, including the cost of funding loan demand, between the commercial, retail, trust and mortgage banking operations of the Bank. As such, discrete financial information is not available and segment reporting would not be meaningful. The Company’s insurance agency is managed separately from the traditional banking and related financial services that the Company offers. The insurance operations provides primarily property and casualty coverage. See Note 2 for segment reporting of insurance operations.
Insurance Agency Operations	Insurance Agency Operations Tri-State is a retail insurance broker operating in the State of New Jersey. The insurance agency’s primary source of revenue is commission income, which is earned by placing insurance coverage for its customers with various insurance underwriters. The insurance agency places basic property and casualty, life and health coverage with about fifteen different insurance carriers. There are two main billing processes, direct billing (currently accounts for approximately 90% of revenues) and agency billing. Under the direct billing arrangement, the insurance carrier bills and collects from the customer directly and remits the brokers’ commission to Tri-State on a monthly basis. For direct bill policies, Tri-State records commissions as revenue when the customer is billed. On a monthly basis, Tri-State receives notification from each insurance carrier of total premiums written and collected during the month, and the broker’s net commission due for their share of business produced by them. Under the agency billing arrangement, the broker bills and collects from the customer directly, retains their commission, and remits the net premium amount to the insurance carrier. Virtually all agency-billed policies are billed and collected on an installment basis (the number of payments varies by policy). Tri-State records revenues for the first installment as of the policy effective date. Revenues from subsequent installments are recorded at the installment due date. Tri-State records its commission as a percentage of each installment due.
Subsequent Events	Subsequent Events The Company has evaluated events and transactions occurring subsequent to the balance sheet date of December 31, 2015 for items that should potentially be recognized or disclosed in these financial statements. The evaluation was conducted through the date these financial statements were issued.
New Accounting Standards	New Accounting Standards In January 2014, FASB issued Accounting Standards Update ("ASU") 2014-04, Receivables - Troubled Debt Restructurings by Creditors. This ASU clarifies that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. For public entities, the guidance is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. The adoption of this guidance did not have a material impact on our consolidated financial statements. In May 2014, FASB issued ASU 2014-09, Revenue from Contracts with Customers . The ASU’s core principle is built on the contract between a vendor and a customer for the provision of goods and services. It attempts to depict the exchange of rights and obligations between the parties in the pattern of revenue recognition based on the consideration to which the vendor is entitled. To accomplish this objective, the standard requires five basic steps: i) identify the contract with the customer, (ii) identify the performance obligations in the contract, (iii) determine the transaction price, (iv) allocate the transaction price to the performance obligations in the contract, and (v) recognize revenue when (or as) the entity satisfies a performance obligation. For public entities, the guidance is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2017. Early adoption is permitted only as of annual reporting periods beginning after December 15, 2016, including interim periods within that year. We do not expect the adoption of this guidance to have a material impact on our consolidated financial statements. In June 2014, FASB issued ASU 2014-12, Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period (a consensus of the FASB Emerging Issues Task Force) , to clarify that a performance target in a share-based compensation award that could be achieved after an employee completes the requisite service period should be treated as a performance condition that affects the vesting of the award. As such, the performance target should not be reflected in estimating the grant-date fair value of the award. For all entities, the amendments are effective for annual periods and interim periods within those annual periods beginning after December 15, 2015. Earlier adoption is permitted. We do not expect the adoption of this guidance to have a material impact on our consolidated financial statements. In April 2015, FASB issued ASU 2015-05, Intangibles-Goodwill and Other-Internal-Use Software (Subtopic 350-40): Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement , to clarify whether a hosting arrangement (e.g., cloud computing, software as a service, infrastructure as a service, etc.) contains a software license, and thus, whether it is to be accounted for by the customer similarly to other internal-use software. Specifically, the amendments revise the scope of Subtopic 350-40 to include internal-use software accessed through a hosting arrangement only if both of the following criteria are met: (1) the customer has the contractual right to take possession of the software at any time during the hosting period without significant penalty. There is no significant penalty if the customer has the ability to take delivery of the software without incurring significant cost and the ability to use the software separately without significant loss of utility or value and (2) it is feasible for the customer to either run the software on its own hardware or contract with another party unrelated to the vendor to host the software. If both of the above criteria are present in a hosting arrangement, then the arrangement contains a software license and the customer should account for that element in accordance with Subtopic 350-40 (i.e., generally capitalize and subsequently amortize the cost of the license). If both of the above criteria are not present, the customer should account for the arrangement as a service contract (i.e., expense fees as incurred). The amendments are effective for public business entities for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years. An entity can elect to adopt the amendments either (1) prospectively to all arrangements entered into or materially modified after the effective date or (2) retrospectively. We do not expect the adoption of this guidance to have a material impact on our consolidated financial statements. In January 2016, the FASB issued ASU 2016-1, “No. 2016-01, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities.” ASU 2016-1, among other things; (i) requires equity investments, with certain exceptions, to be measured at fair value with changes in fair value recognized in net income, (ii) simplifies the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment; (iii) eliminates the requirement for public business entities to disclose the methods and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; (iv) requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; (v) requires an entity to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the entity has elected to measure the liability at fair value in accordance with the fair value option for financial instruments; (vi) requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset on the balance sheet or the accompanying notes to the financial statements; and (vii) clarifies that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale. The Company is currently evaluating the impact of the pending adoption of the new standard on its consolidated financial statements. In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842) . Under the new guidance, lessees will be required to recognize the following for all leases (with the exception of short-term leases) at the commencement date: (i) a lease liability, which is a lessee’s obligation to make lease payments arising from a lease, measured on a discounted basis; and (ii) a right-of-use asset, which is an asset that represents the lessee’s right to use, or control the use of, a specified asset for the lease term. Under the new guidance, lessor accounting is largely unchanged. Public business entities should apply the amendments in ASU 2016-02 for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Early application is permitted for all public business entities upon issuance. Lessees (for capital and operating leases) and lessors (for sales-type, direct financing, and operating leases) must apply a modified retrospective transition approach for leases existing at, or entered into after, the beginning of the earliest comparative period presented in the financial statements. The Company is currently evaluating the impact of the pending adoption of the new standard on its consolidated financial statements.

Summary Of Significant Accoun30

Summary Of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2015
Summary Of Significant Accounting Policies [Abstract]
Premises And Equipment Useful Life	Years Buildings and building improvements 20 – 40 Leasehold improvements 5 – 10 Furniture, fixtures and equipment 5 – 10 Computer equipment and software 3 – 5

Segment Reporting (Tables)

Segment Reporting (Tables)	12 Months Ended
	Dec. 31, 2015
Segment Reporting [Abstract]
Schedule Of Segment Information	Banking and Insurance (Dollars in thousands) Financial Services Services Total Year Ended December 31, 2015: Net interest income from external sources $ 20,076 $ - $ 20,076 Other income from external sources 2,741 3,712 6,453 Depreciation and amortization 978 20 998 Income before income taxes 4,670 670 5,340 Income tax expense (1) 1,372 268 1,640 Total assets 679,598 4,905 684,503 Year Ended December 31, 2014: Net interest income from external sources $ 18,004 $ 2 $ 18,006 Other income from external sources 2,787 3,174 5,961 Depreciation and amortization 776 21 797 Income before income taxes 3,100 501 3,601 Income tax expense (1) 801 200 1,001 Total assets 591,192 4,723 595,915 (1) Calculated at statutory tax rate of 40 %

Fair Value Of Assets And Liab32

Fair Value Of Assets And Liabilities (Tables)	12 Months Ended
	Dec. 31, 2015
Fair Value Of Assets And Liabilities [Abstract]
Summary Of Financial Assets Measured On A Recurring Basis	Quoted Prices in Significant Active Markets Other Significant Fair for Identical Observable Unobservable Value Assets Inputs Inputs (Dollars in thousands) Measurements (Level I) (Level II) (Level III) December 31, 2015 U.S. government agencies $ 12,788 $ - $ 12,788 $ - State and political subdivisions 38,149 - 38,149 - Mortgage-backed securities - U.S. government-sponsored enterprises 42,839 - 42,839 - December 31, 2014 U.S. government agencies $ 7,858 $ - $ 7,858 $ - State and political subdivisions 26,384 - 26,384 - Mortgage-backed securities - U.S. government-sponsored enterprises 43,724 - 43,724 - Equity securities-financial services industry and other 10 10 - -
Summary Of Financial Assets Measured On A Nonrecurring Basis	Quoted Prices in Significant Active Markets Other Significant Fair for Identical Observable Unobservable Value Assets Inputs Inputs (Dollars in thousands) Measurements (Level I) (Level II) (Level III) December 31, 2015 Impaired loans $ 801 $ - $ - $ 801 Foreclosed real estate 756 - - 756 December 31, 2014 Impaired loans $ 1,087 $ - $ - $ 1,087 Foreclosed real estate 761 - - 761
Qualitative Information About Level 3 Fair Value Measurements	Qualitative Information about Level III Fair Value Measurements Fair Range Value Valuation Unobservable (Weighted (Dollars in thousands) Estimate Techniques Input Average) December 31, 2015 Impaired loans $ 801 Appraisal of Appraisal 0% to -61.8% collateral adjustments (1) ( -5.8% ) Foreclosed real estate 756 Appraisal of Selling collateral expenses (1) -7.0% (-7.0%) December 31, 2014 Impaired loans $ 1,087 Appraisal of Appraisal 0% to -66.2% collateral adjustments (1) (-10.6%) Foreclosed real estate 761 Appraisal of Selling collateral expenses (1) -7.0% (-7.0%) (1) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated selling expenses. The range and weighted average of selling expenses and other appraisal adjustments are presented as a percentage of the appraisal.
Estimated Fair Values Of Financial Instruments	Quoted Prices in Significant Active Markets Other Significant December 31, 2015 for Identical Observable Unobservable Carrying Fair Assets Inputs Inputs (Dollars in thousands) Amount Value (Level I) (Level II) (Level III) Financial assets: Cash and cash equivalents $ 6,120 $ 6,120 $ 6,120 $ - $ - Time deposits with other banks 100 100 - 100 - Securities available for sale 93,776 93,776 - 93,776 - Securities held to maturity 6,834 7,008 - 7,008 - Federal Home Loan Bank stock 5,165 5,165 - 5,165 - Loans receivable, net of allowance 537,833 528,065 - - 528,065 Accrued interest receivable 1,764 1,764 - 1,764 - Financial liabilities: Non-maturity deposits 380,983 380,983 - 380,983 - Time deposits 136,873 136,619 - 136,619 - Short-term borrowings 34,650 34,650 34,650 - - Long-term borrowings 61,000 58,685 - 58,685 - Junior subordinated debentures 12,887 9,344 - 9,344 - Accrued interest payable 281 281 - 281 - Quoted Prices in Significant Active Markets Other Significant December 31, 2014 for Identical Observable Unobservable Carrying Fair Assets Inputs Inputs (Dollars in thousands) Amount Value (Level I) (Level II) (Level III) Financial assets: Cash and cash equivalents $ 5,859 $ 5,859 $ 5,859 $ - $ - Time deposits with other banks 100 100 - 100 - Securities available for sale 77,976 77,976 10 77,966 - Securities held to maturity 6,006 6,190 - 6,190 - Federal Home Loan Bank stock 3,908 3,908 - 3,908 - Loans receivable, net of allowance 466,332 462,984 - - 462,984 Accrued interest receivable 1,796 1,796 - 1,796 - Financial liabilities: Non-maturity deposits 351,653 351,653 - 351,653 - Time deposits 106,617 107,011 - 107,011 - Short-term borrowings 23,500 23,500 23,500 - - Long-term borrowings 46,000 47,766 - 47,766 - Junior subordinated debentures 12,887 9,361 - 9,361 - Accrued interest payable 243 243 - 243 -

Securities (Tables)

Securities (Tables)	12 Months Ended
	Dec. 31, 2015
Securities [Abstract]
Amortized Cost And Approximate Fair Value Of Securities Available For Sale	Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains Losses Value December 31, 2015 U.S. government agencies $ 12,792 $ 51 $ (55) $ 12,788 State and political subdivisions 37,771 507 (129) 38,149 Mortgage-backed securities - U.S. government-sponsored enterprises 43,069 206 (436) 42,839 $ 93,632 $ 764 $ (620) $ 93,776 December 31, 2014 U.S. government agencies $ 7,873 $ 17 $ (32) $ 7,858 State and political subdivisions 26,432 158 (206) 26,384 Mortgage-backed securities - U.S. government-sponsored enterprises 43,382 500 (158) 43,724 Equity securities-financial services industry and other 8 2 - 10 $ 77,695 $ 677 $ (396) $ 77,976
Amortized Cost And Fair Value Of Securities By Contractual Maturity Of Available-For-Sale Securities	Amortized Fair (Dollars in thousands) Cost Value Due in one year or less $ - $ - Due after one year through five years 699 698 Due after five years through ten years 2,834 2,832 Due after ten years 34,238 34,619 Total bonds and obligations 37,771 38,149 U.S. government agencies 12,792 12,788 Mortgage-backed securities: U.S. government-sponsored enterprises 43,069 42,839 Total available for sale securities $ 93,632 $ 93,776
Temporarily Impaired Gross Unrealized Losses And Fair Value Of Available-For-Sale Securities	Less Than 12 Months 12 Months or More Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized (Dollars in thousands) Value Losses Value Losses Value Losses December 31, 2015 U.S. government agencies $ 5,888 $ (23) $ 2,473 $ (32) $ 8,361 $ (55) State and political subdivisions 5,780 (107) 2,998 (22) 8,778 (129) Mortgage-backed securities - U.S. government-sponsored enterprises 31,885 (436) - - 31,885 (436) Total temporarily impaired securities $ 43,553 $ (566) $ 5,471 $ (54) $ 49,024 $ (620) December 31, 2014 U.S. government agencies $ - $ - $ 2,905 $ (32) $ 2,905 $ (32) State and political subdivisions 7,603 (112) 5,713 (94) 13,316 (206) Mortgage-backed securities - U.S. government-sponsored enterprises 15,679 (94) 3,432 (64) 19,111 (158) Total temporarily impaired securities $ 23,282 $ (206) $ 12,050 $ (190) $ 35,332 $ (396)
Amortized Cost And Approximate Fair Value Of Securities Held-To-Maturity	Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains Losses Value December 31, 2015 State and political subdivisions $ 6,834 $ 174 $ - $ 7,008 December 31, 2014 State and political subdivisions $ 6,006 $ 189 $ (5) $ 6,190
Amortized Cost And Fair Value Of Securities By Contractual Maturity Of Held-To-Maturity Securities	Amortized Fair (Dollars in thousands) Cost Value Due in one year or less $ 2,953 $ 2,953 Due after one year through five years - - Due after five years through ten years 2,832 2,901 Due after ten years 1,049 1,154 Total held to maturity securities $ 6,834 $ 7,008
Temporarily Impaired Gross Unrealized Losses And Fair Value Of Held-To-Maturity Securities	Less Than 12 Months 12 Months or More Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized (Dollars in thousands) Value Losses Value Losses Value Losses December 31, 2014 State and political subdivisions $ - $ - $ 811 $ (5) $ 811 $ (5)

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2015
Loans [Abstract]
Composition Of Net Loans Receivable	(Dollars in thousands) December 31, 2015 December 31, 2014 Commercial and industrial loans $ 20,023 $ 20,549 Construction 13,348 12,379 Commercial real estate 382,262 326,370 Residential real estate 127,204 111,498 Consumer and other 1,253 1,665 544,090 472,461 Unearned net loan origination fees (667) (488) Allowance for loan losses (5,590) (5,641) Net loans receivable $ 537,833 $ 466,332

Allowance For Loan Losses And35

Allowance For Loan Losses And Credit Quality Of Financing Receivables (Tables)	12 Months Ended
	Dec. 31, 2015
Allowance For Loan Losses And Credit Quality Of Financing Receivables [Abstract]
Changes In The Allowance For Loan Losses	Commercial Commercial Residential Consumer and Real Real and (Dollars in thousands) Industrial Construction Estate Estate Other Unallocated Total Year Ended: December 31, 2015 Beginning balance $ 231 $ 383 $ 3,491 $ 903 $ 19 $ 614 $ 5,641 Charge-offs (19) - (560) (165) (25) - (769) Recoveries 17 - 41 17 7 - 82 Provision (144) (163) 674 29 86 154 636 Ending balance $ 85 $ 220 $ 3,646 $ 784 $ 87 $ 768 $ 5,590 December 31, 2014 Beginning balance $ 222 308 $ 3,399 $ 941 $ 16 $ 535 $ 5,421 Charge-offs (1) - (1,168) (181) (37) - (1,387) Recoveries 17 - 39 4 10 - 70 Provision (7) 75 1,221 139 30 79 1,537 Ending balance $ 231 $ 383 $ 3,491 $ 903 $ 19 $ 614 $ 5,641
Allowances Of Loan Losses And Loans Receivable By Class Disaggregated	Allowance for Loan Losses Loans Receivable Balance Balance Related to Related to Loans Loans Individually Collectively Individually Collectively Evaluated for Evaluated for Evaluated for Evaluated for (Dollars in thousands) Balance Impairment Impairment Balance Impairment Impairment December 31, 2015 Commercial and industrial $ 85 $ - $ 85 $ 20,023 $ 20 $ 20,003 Construction 220 - 220 13,348 - 13,348 Commercial real estate 3,646 112 3,534 382,262 5,160 377,102 Residential real estate 784 79 705 127,204 1,546 125,658 Consumer and other loans 87 73 14 1,253 138 1,115 Unallocated 768 - - - - - Total $ 5,590 $ 264 $ 4,558 $ 544,090 $ 6,864 $ 537,226 December 31, 2014 Commercial and industrial $ 231 $ 51 $ 180 $ 20,549 $ 94 $ 20,455 Construction 383 - 383 12,379 - 12,379 Commercial real estate 3,491 136 3,355 326,370 5,105 321,265 Residential real estate 903 101 802 111,498 2,314 109,184 Consumer and other loans 19 - 19 1,665 - 1,665 Unallocated 614 - - - - - Total $ 5,641 $ 288 $ 4,739 $ 472,461 $ 7,513 $ 464,948
An Age Analysis Of Loans Receivable	Recorded Investment Greater Total > 90 Days 30-59 Days 60-89 days Than Total Past Financing and (Dollars in thousands) Past Due Past Due 90 Days (a) Due Current Receivables Accruing December 31, 2015 Commercial and industrial $ 5 $ - $ 20 $ 25 $ 19,998 $ 20,023 $ - Construction - - - - 13,348 13,348 - Commercial real estate 758 1,461 4,016 6,235 376,027 382,262 - Residential real estate 335 247 1,138 1,720 125,484 127,204 - Consumer and other 16 1 138 155 1,098 1,253 - Total $ 1,114 $ 1,709 $ 5,312 $ 8,135 $ 535,955 $ 544,090 $ - December 31, 2014 Commercial and industrial $ 9 $ - $ 94 $ 103 $ 20,446 $ 20,549 $ - Construction 1,354 - - 1,354 11,025 12,379 - Commercial real estate 2,395 1,209 3,936 7,540 318,830 326,370 - Residential real estate 555 108 1,978 2,641 108,857 111,498 85 Consumer and other 5 - 1 6 1,659 1,665 - Total $ 4,318 $ 1,317 $ 6,009 $ 11,644 $ 460,817 $ 472,461 $ 85 (a) includes loans greater than 90 days past due and still accruing and non-accrual loans.
Loans Which The Accrual Of Interest Has Been Discontinued	(Dollars in thousands) December 31, 2015 December 31, 2014 Commercial and industrial $ 20 $ 94 Commercial real estate 4,016 3,936 Residential real estate 1,138 1,893 Consumer and other 138 1 Total $ 5,312 $ 5,924
Credit Risk Profile By Creditworthiness	Special (Dollars in thousands) Pass Mention Substandard Doubtful Total December 31, 2015 Commercial and industrial $ 19,983 $ 5 $ 35 $ - $ 20,023 Construction 13,348 - - - 13,348 Commercial real estate 367,305 8,957 6,000 - 382,262 Residential real estate 124,915 743 1,546 - 127,204 Consumer and other 1,115 - 138 - 1,253 $ 526,666 $ 9,705 $ 7,719 $ - $ 544,090 December 31, 2014 Commercial and industrial $ 20,446 $ 9 $ 94 $ - $ 20,549 Construction 12,379 - - - 12,379 Commercial real estate 312,172 8,257 5,941 - 326,370 Residential real estate 108,587 457 2,454 - 111,498 Consumer and other 1,527 138 - - 1,665 $ 455,111 $ 8,861 $ 8,489 $ - $ 472,461
Impaired Loans	Unpaid Average Interest Recorded Principal Related Recorded Income (Dollars in thousands) Investment Balance Allowance Investment Recognized December 31, 2015 With no related allowance recorded: Commercial and industrial $ 20 $ 20 $ - $ 16 $ - Commercial real estate 2,684 2,684 - 2,488 32 Residential real estate 1,123 1,152 - 1,239 6 With an allowance recorded: Commercial and industrial - - - 19 - Commercial real estate 2,476 2,476 112 2,706 33 Residential real estate 423 423 79 687 11 Consumer and other 138 138 73 - - Total: Commercial and industrial 20 20 - 35 - Commercial real estate 5,160 5,160 112 5,194 65 Residential real estate 1,546 1,575 79 1,926 17 Consumer and other 138 138 73 - - $ 6,864 $ 6,893 $ 264 $ 7,155 $ 82 Unpaid Average Interest Recorded Principal Related Recorded Income (Dollars in thousands) Investment Balance Allowance Investment Recognized December 31, 2014 With no related allowance recorded: Commercial real estate $ 3,167 $ 3,736 $ - $ 3,923 $ 41 Residential real estate 1,829 1,835 - 1,786 53 With an allowance recorded: Commercial and industrial 94 94 51 39 2 Commercial real estate 1,938 1,938 136 3,968 37 Residential real estate 485 489 101 567 10 Total: Commercial and industrial 94 94 51 39 2 Commercial real estate 5,105 5,674 136 7,891 78 Residential real estate 2,314 2,324 101 2,353 63 $ 7,513 $ 8,092 $ 288 $ 10,283 $ 143
Troubled Debt Restructured On Recorded Investment	(Dollars in thousands) Commercial Real Estate Residential Real Estate Total December 31, 2015 Performing $ 1,144 $ 409 $ 1,553 Non-performing 1,831 194 2,025 Total $ 2,975 $ 603 $ 3,578 December 31, 2014 Performing $ 1,169 $ 421 $ 1,590 Non-performing 2,730 224 2,954 Total $ 3,899 $ 645 $ 4,544

Premises And Equipment (Tables)

Premises And Equipment (Tables)	12 Months Ended
	Dec. 31, 2015
Premises And Equipment [Abstract]
Components Of Premises And Equipment	(Dollars in thousands) 2015 2014 Land and land improvements $ 2,049 $ 2,049 Building and building improvements 5,953 5,953 Leasehold improvements 1,430 771 Furniture, fixtures and equipment 5,458 5,089 Assets in progress 420 175 15,310 14,037 Accumulated depreciation (6,431) (5,387) Premises and equipment, net $ 8,879 $ 8,650

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2015
Deposits:
Components Of Time Deposits	(Dollars in thousands) 2015 2014 Demand, non-interest bearing $ 87,209 $ 70,490 Savings, money market and interest-bearing demand 293,774 281,163 Time deposits less than $100 thousand 86,343 68,712 Time deposits $100 thousand and over 50,530 37,905 Total deposits $ 517,856 $ 458,270
Schedule Of Maturities Of Time Deposits	(Dollars in thousands) Within one year $ 96,505 One to two years 11,966 Two to three years 20,122 Three to four years 4,787 After four years 3,493 $ 136,873

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2015
Borrowings [Abstract]
Schedule Of Long-Term Borrowings	(Dollars in thousands) Interest Balance at December 31, Maturity Date Rate 2015 2014 December 7, 2016 4.00% $ 5,000 $ 5,000 June 21, 2017 4.60% 6,000 6,000 November 3, 2017 1.31% 5,000 5,000 December 7, 2017 3.97% 5,000 5,000 December 26, 2017 3.66% 5,000 5,000 December 26, 2017 3.79% 5,000 5,000 January 16, 2018 1.18% 5,000 - July 17, 2018 1.65% 5,000 5,000 September 19, 2018 1.83% 5,000 5,000 January 31, 2019 2.02% - 5,000 February 4, 2019 1.53% 5,000 - January 15, 2020 1.66% 5,000 - October 5, 2020 1.78% 5,000 - $ 61,000 $ 46,000
Schedule Of Maturities Of Debt	(Dollars in thousands) Within one year $ 5,000 One to two years 26,000 Two to three years 15,000 Three to four years 5,000 Four to five years 10,000 After five years - $ 61,000

Lease Commitments And Total R39

Lease Commitments And Total Rental Expense (Tables)	12 Months Ended
	Dec. 31, 2015
Lease Commitments And Total Rental Expense [Abstract]
Schedule Of Future Minimum Lease Payments	(Dollars in thousands) 2016 $ 732 2017 660 2018 577 2019 577 2020 171 Thereafter 682 $ 3,399

Comprehensive Income (Tables)

Comprehensive Income (Tables)	12 Months Ended
	Dec. 31, 2015
Comprehensive Income [Abstract]
Components Of Other Comprehensive Income And Related Tax Effects	Year Ended December 31, 2015 Year Ended December 31, 2014 Before Tax Tax Effect Net of Tax Before Tax Tax Effect Net of Tax (Dollars in thousands) Other comprehensive (loss) income: Unrealized gains on available for sale securities $ 134 $ 54 $ 80 $ 4,155 $ 1,662 $ 2,493 Reclassification adjustment for net gains on securities transactions included in net income (271) (108) (163) (289) (116) (173) Total other comprehensive (loss) income $ (137) $ (54) $ (83) $ 3,866 $ 1,546 $ 2,320

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2015
Earnings Per Share [Abstract]
Calculation Methods Of Earnings Per Share	Income Shares Per Share (In thousands, except share and per share data) (Numerator) (Denominator) Amount Year Ended December 31, 2015: Basic earnings per share: Net earnings applicable to common stockholders $ 3,700 4,559,316 $ 0.81 Effect of dilutive securities: Unvested stock awards - 32,506 Diluted earnings per share: Net income applicable to common stockholders and assumed conversions $ 3,700 4,591,822 $ 0.81 Year Ended December 31, 2014: Basic earnings per share: Net earnings applicable to common stockholders $ 2,600 4,541,305 $ 0.57 Effect of dilutive securities: Unvested stock awards - 39,045 Diluted earnings per share: Net income applicable to common stockholders and assumed conversions $ 2,600 4,580,350 $ 0.57

Stock Incentive Plans (Tables)

Stock Incentive Plans (Tables)	12 Months Ended
	Dec. 31, 2015
Stock Incentive Plans [Abstract]
Summary Of Information Regarding Restricted Stock Activity	2015 2014 Weighted Weighted Average Average Number of Grant Date Number of Grant Date Shares Fair Value Shares Fair Value Unvested restricted stock, beginning of year 112,545 $ 6.06 125,922 $ 4.98 Granted 32,692 10.54 36,043 8.81 Forfeited (1,001) 9.19 (2,550) 7.20 Vested (50,666) 5.93 (46,870) 5.21 Unvested restricted stock, end of period 93,570 $ 7.67 112,545 $ 6.06
Summary Of Information Regarding Stock Option Plans	Weighted Average Weighted Exercise Average Aggregate Number of Price per Contractual Intrinsic Shares Share Term Value Outstanding, December 31, 2013 32,749 $ 14.31 Options granted 36,000 9.97 Options expired (22,224) 14.97 Outstanding, December 31, 2014 46,525 10.63 Options granted 15,985 10.25 Options expired (10,525) 12.91 Outstanding, December 31, 2015 51,985 $ 10.06 8.9 $ 157,717 Exercisable, December 31, 2015 7,200 $ 9.97 8.9 $ 21,844
Summary Of Stock Options Outstanding By Exercise Price	Weighted Exercise Number Average Remaining Number Price Outstanding Life (Years) Exercisable 9.97 36,000 8.9 7,200 10.25 15,985 9.1 - 51,985 8.9 7,200
Summary Of Stock Option Assumptions	2015 2014 Expected dividend yield 1.56% 1.20% Expected volatility 34.32% 34.47% Risk-free interest rate 1.37% 1.55% Expected option life 7.5 Years 7.5 Years

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2015
Income Taxes [Abstract]
Components Of Income Tax Expense	(Dollars in thousands) 2015 2014 Current: Federal $ 1,014 $ 1,402 State 439 524 1,453 1,926 Deferred: Federal 117 (689) State 70 (236) 187 (925) $ 1,640 $ 1,001
Schedule Of Effective Income Tax Rate Reconciliation	(Dollars in thousands) 2015 2014 Federal income tax at statutory rate $ 1,816 34 % $ 1,224 34 % Tax exempt interest (312) (6) (327) (9) State income tax, net of federal income tax effect 336 6 190 5 Bank owned life insurance (106) (2) (110) (3) Other (94) (1) 24 1 $ 1,640 31 % $ 1,001 28 %
Components Of Net Deferred Tax Asset	(Dollars in thousands) 2015 2014 Deferred tax assets: Allowance for loan losses $ 2,233 $ 2,253 Deferred compensation 953 679 Deferred Fees 347 138 Foreclosed real estate 219 204 Restricted stock 115 55 AMT credit - 391 Other 214 281 Total deferred tax assets 4,081 4,001 Deferred tax liabilities: Depreciation (441) (285) Prepaid expenses (254) (143) Unrealized gain on securities, available for sale (58) (113) Total deferred tax liabilities (753) (541) Net deferred tax asset $ 3,328 $ 3,460

Transactions With Executive O44

Transactions With Executive Officers, Directors And Principal Stockholders (Tables)	12 Months Ended
	Dec. 31, 2015
Transactions With Executive Officers, Directors And Principal Stockholders [Abstract]
Schedule Of Related Party Loan Activity	(Dollars in thousands) 2015 2014 Balance, beginning $ 6,136 $ 6,431 Disbursements 2,664 349 Repayments and other (2,153) (644) Balance, ending $ 6,647 $ 6,136

Financial Instruments With Of45

Financial Instruments With Off-Balance Sheet Risk (Tables)	12 Months Ended
	Dec. 31, 2015
Financial Instruments With Off-Balance Sheet Risk [Abstract]
Summary Of Financial Instrument Commitments	(Dollars in thousands) 2015 2014 Commitments to grant loans $ 30,561 $ 20,199 Unfunded commitments under lines of credit 53,087 39,968 Outstanding standby letters of credit 990 910

Capital And Regulatory Matters

Capital And Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2015
Capital And Regulatory Matters [Abstract]
Schedule Of Actual Capital Amounts	To be Well Capitalized under Prompt For Capital Adequacy Corrective Action Actual Purposes Provisions (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio As of December 31, 2015 Total capital (to risk-weighted assets): $ 68,283 12.79% $ >42,722 >8.00% $ >53,402 >10.00% Tier I capital (to risk-weighted assets): 62,693 11.74 >32,041 >6.00 >42,722 >8.00 Common equity tier I capital (to average assets): 62,693 11.74 >24,031 >4.50 >34,711 >6.50 Tier I capital (to average assets): 62,693 9.45 >26,548 >4.00 >33,184 >5.00 As of December 31, 2014 Total capital (to risk-weighted assets): $ 64,283 14.02% $ >36,674 >8.00% $ >45,843 >10.00% Tier I capital (to risk-weighted assets): 58,640 12.79 >18,337 >4.00 >27,506 >6.00 Common equity tier I capital (to average assets): N/A N/A N/A N/A N/A N/A Tier I capital (to average assets): 58,640 10.19 >23,022 >4.00 >28,778 >5.00

Parent Company Only Financial (

Parent Company Only Financial (Tables)	12 Months Ended
	Dec. 31, 2015
Parent Company Only Financial [Abstract]
Balance Sheets	BALANCE SHEETS December 31, (Dollars in thousands) 2015 2014 Assets Cash $ 69 $ 1 Investment in subsidiary 65,986 62,016 Accrued interest and other assets 1,466 2,635 Total Assets $ 67,521 $ 64,652 Liabilities and Stockholders' Equity Other liabilities $ 693 $ 536 Junior subordinated debentures 12,887 12,887 Stockholders' equity 53,941 51,229 Total Liabilities and Stockholders' Equity $ 67,521 $ 64,652
Statements Of Income And Comprehensive Income	STATEMENTS OF INCOME AND COMPREHENSIVE INCOME Year Ended December 31, (Dollars in thousands) 2015 2014 Interest on investments $ - $ 8 Net realized gain loss on sale of securities - (1) Interest expense on debentures (220) (212) Other expenses (311) (266) Loss before income tax benefit and equity in undistributed net income of subsidiaries (531) (471) Income tax benefit 179 159 Loss before equity in undistributed net income of subsidiaries (352) (312) Equity in undistributed net income of subsidiaries 4,052 2,912 Net Income 3,700 2,600 Comprehensive income $ 3,617 $ 4,920
Statements Of Cash Flows	STATEMENTS OF CASH FLOWS Year Ended December 31, (Dollars in thousands) 2015 2014 Cash Flows from Operating Activities: Net Income $ 3,700 $ 2,600 Adjustments to reconcile net income to net cash provided by (used in) operating activities: Net change in other assets and liabilities 1,699 (718) Equity in undistributed net income of subsidiaries (4,052) (2,912) Net Cash Provided by (Used in) Operating Activities 1,347 (1,030) Cash Flows from Investing Activities: Securities available for sale: Sales - 320 Net Cash Provided by Investing Activities - 320 Cash Flows from Financing Activities: Cash dividends paid (746) (420) Purchase of treasury stock (533) - Net Cash (Used in) Provided by Financing Activities (1,279) (420) Net Increase (Decrease) in Cash and Cash Equivalents 68 (1,130) Cash and Cash Equivalents - Beginning of Year 1 1,131 Cash and Cash Equivalents - End of Year $ 69 $ 1

Summary Of Significant Accoun48

Summary Of Significant Accounting Policies (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)propertyentity	Dec. 31, 2014USD ($)
Significant Accounting Policies [Line Items]
Federal Home Loan Bank Stock, at cost	$ 5,165	$ 3,908
Foreclosed real estate	3,354	4,449
Cash surrender value of BOLI	12,500	12,200
Goodwill	$ 2,820	$ 2,820
Number of insurance carriers | entity	15
Percentage of insurance revenue using direct billing	90.00%
Residential Real Estate [Member]
Significant Accounting Policies [Line Items]
Real estate in process of foreclosure	$ 945
Foreclosed real estate	$ 130
Sussex County, New Jersey [Member]
Significant Accounting Policies [Line Items]
Banking offices | property	8
Warren County, New Jersey [Member]
Significant Accounting Policies [Line Items]
Banking offices | property	1
Queens County, New York [Member]
Significant Accounting Policies [Line Items]
Banking offices | property	1
Orange County, New York [Member]
Significant Accounting Policies [Line Items]
Banking offices | property	1

Summary Of Significant Accoun49

Summary Of Significant Accounting Policies (Premises And Equipment Useful Life) (Details)	12 Months Ended
	Dec. 31, 2015
Maximum [Member] | Building And Building Improvements [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, estimated useful lives	40 years
Maximum [Member] | Leasehold Improvements [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, estimated useful lives	10 years
Maximum [Member] | Furniture, Fixtures And Equipment [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, estimated useful lives	10 years
Maximum [Member] | Computer Equipment And Software [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, estimated useful lives	5 years
Minimum [Member] | Building And Building Improvements [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, estimated useful lives	20 years
Minimum [Member] | Leasehold Improvements [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, estimated useful lives	5 years
Minimum [Member] | Furniture, Fixtures And Equipment [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, estimated useful lives	5 years
Minimum [Member] | Computer Equipment And Software [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, estimated useful lives	3 years

Segment Reporting (Details)

Segment Reporting (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Segment Reporting Information [Line Items]
Net interest income from external sources		$ 20,076	$ 18,006
Other income from external sources		6,453	5,961
Depreciation and amortization		998	797
Income before income taxes		5,340	3,601
Income tax expense	[1]	1,640	1,001
Total assets		$ 684,503	$ 595,915
Statutory tax rate		34.00%	34.00%
Subsidiary [Member]
Segment Reporting Information [Line Items]
Statutory tax rate		40.00%	40.00%
Banking And Financial Services [Member]
Segment Reporting Information [Line Items]
Net interest income from external sources		$ 20,076	$ 18,004
Other income from external sources		2,741	2,787
Depreciation and amortization		978	776
Income before income taxes		4,670	3,100
Income tax expense	[1]	1,372	801
Total assets		679,598	591,192
Insurance Services [Member]
Segment Reporting Information [Line Items]
Net interest income from external sources			2
Other income from external sources		3,712	3,174
Depreciation and amortization		20	21
Income before income taxes		670	501
Income tax expense	[1]	268	200
Total assets		$ 4,905	$ 4,723
[1]	Calculated at statutory tax rate of 40%.

Fair Value Of Assets And Liab51

Fair Value Of Assets And Liabilities (Summary Of Financial Assets Measured On A Recurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	$ 93,776	$ 77,976
Quoted Prices In Active Markets For Identical Assets (Level I) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale		10
Significant Other Observable Inputs (Level II) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	93,776	77,966
U.S. Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	12,788	7,858
U.S. Government Agencies [Member] | Significant Other Observable Inputs (Level II) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	12,788	7,858
State And Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	38,149	26,384
State And Political Subdivisions [Member] | Significant Other Observable Inputs (Level II) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	38,149	26,384
Mortgage Backed U.S. Government-Sponsored Enterprises [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	42,839	43,724
Mortgage Backed U.S. Government-Sponsored Enterprises [Member] | Significant Other Observable Inputs (Level II) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	$ 42,839	43,724
Equity Securities-Financial Services Industry And Other [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale		10
Equity Securities-Financial Services Industry And Other [Member] | Quoted Prices In Active Markets For Identical Assets (Level I) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale		$ 10

Fair Value Of Assets And Liab52

Fair Value Of Assets And Liabilities (Summary Of Financial Assets Measured On A Nonrecurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Assets	$ 801	$ 1,087
Impaired Loans [Member] | Significant Unobservable Inputs (Level III) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Assets	801	1,087
Foreclosed Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Assets	756	761
Foreclosed Real Estate [Member] | Significant Unobservable Inputs (Level III) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Assets	$ 756	$ 761

Fair Value Of Assets And Liab53

Fair Value Of Assets And Liabilities (Qualitative Information About Level 3 Fair Value Measurements) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Impaired Loans [Member]
Qualitative and Quantitative Information, Transferor's Continuing Involvement [Line Items]
Fair Value Estimate	$ 801	$ 1,087
Valuation Techniques	Appraisal of collateral	Appraisal of collateral
Unobservable Input	Appraisal adjustments	Appraisal adjustments
Impaired Loans [Member] | Significant Unobservable Inputs (Level III) [Member]
Qualitative and Quantitative Information, Transferor's Continuing Involvement [Line Items]
Fair Value Estimate	$ 801	$ 1,087
Impaired Loans [Member] | Minimum [Member] | Significant Unobservable Inputs (Level III) [Member]
Qualitative and Quantitative Information, Transferor's Continuing Involvement [Line Items]
Range (Weighted Average)	(61.80%)	(66.20%)
Impaired Loans [Member] | Maximum [Member] | Significant Unobservable Inputs (Level III) [Member]
Qualitative and Quantitative Information, Transferor's Continuing Involvement [Line Items]
Range (Weighted Average)	0.00%	0.00%
Impaired Loans [Member] | Weighted Average [Member] | Significant Unobservable Inputs (Level III) [Member]
Qualitative and Quantitative Information, Transferor's Continuing Involvement [Line Items]
Range (Weighted Average)	(5.80%)	(10.60%)
Foreclosed Real Estate [Member]
Qualitative and Quantitative Information, Transferor's Continuing Involvement [Line Items]
Fair Value Estimate	$ 756	$ 761
Valuation Techniques	Appraisal of collateral	Appraisal of collateral
Unobservable Input	Selling expenses	Selling expenses
Foreclosed Real Estate [Member] | Significant Unobservable Inputs (Level III) [Member]
Qualitative and Quantitative Information, Transferor's Continuing Involvement [Line Items]
Fair Value Estimate	$ 756	$ 761
Range (Weighted Average)	(7.00%)	(7.00%)

Fair Value Of Assets And Liab54

Fair Value Of Assets And Liabilities (Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	$ 93,776	$ 77,976
Securities held to maturity	7,008	6,190
Carrying Amount [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	6,120	5,859
Time deposits with other banks	100	100
Securities available for sale	93,776	77,976
Securities held to maturity	6,834	6,006
Federal Home Loan Bank stock	5,165	3,908
Loans receivable, net of allowance	537,833	466,332
Accrued interest receivable	1,764	1,796
Non-maturity deposits	380,983	351,653
Time deposits	136,873	106,617
Short-term borrowings	34,650	23,500
Long-term borrowings	61,000	46,000
Junior subordinated debentures	12,887	12,887
Accrued interest payable	281	243
Fair Value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	6,120	5,859
Time deposits with other banks	100	100
Securities available for sale	93,776	77,976
Securities held to maturity	7,008	6,190
Federal Home Loan Bank stock	5,165	3,908
Loans receivable, net of allowance	528,065	462,984
Accrued interest receivable	1,764	1,796
Non-maturity deposits	380,983	351,653
Time deposits	136,619	107,011
Short-term borrowings	34,650	23,500
Long-term borrowings	58,685	47,766
Junior subordinated debentures	9,344	9,361
Accrued interest payable	281	243
Quoted Prices In Active Markets For Identical Assets (Level I) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	6,120	5,859
Securities available for sale		10
Short-term borrowings	34,650	23,500
Significant Other Observable Inputs (Level II) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Time deposits with other banks	100	100
Securities available for sale	93,776	77,966
Securities held to maturity	7,008	6,190
Federal Home Loan Bank stock	5,165	3,908
Accrued interest receivable	1,764	1,796
Non-maturity deposits	380,983	351,653
Time deposits	136,619	107,011
Long-term borrowings	58,685	47,766
Junior subordinated debentures	9,344	9,361
Accrued interest payable	281	243
Significant Unobservable Inputs (Level III) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans receivable, net of allowance	$ 528,065	$ 462,984

Securities (Narrative) (Details

Securities (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)security	Dec. 31, 2014USD ($)security
Schedule Of Available-For-Sale And Held-To-Maturity [Line Items]
Available for sale securities carrying value pledged to secure public deposits	$ 33,400	$ 32,800
Gains on sales of securities available for sale	372	478
Gross losses on sales of securities avaiable for sale	101	189
Sales of available for sale securities	20,718	27,905
Fair value of available-for-sale securities	49,024	35,332
Unrealized loss of available-for-sale securities	$ 620	396
Number of securities with unrealized losses, held-to-maturity | security	0
Securities held to maturity	$ 7,008	6,190
Parent Company [Member]
Schedule Of Available-For-Sale And Held-To-Maturity [Line Items]
Sales of available for sale securities		320
State And Political Subdivisions [Member]
Schedule Of Available-For-Sale And Held-To-Maturity [Line Items]
Fair value of held-to maturity securities		811
Unrealized loss of held-to-maturity securities		5
Securities held to maturity	$ 7,008	6,190
Unrealized loss of held-to-maturity securites		$ 5
State And Political Subdivisions [Member] | Held-to-maturity Securities [Member]
Schedule Of Available-For-Sale And Held-To-Maturity [Line Items]
Number of securities with unrealized losses from state and political subdivisions maturity minimum number of years	10 years
U.S. Government Agencies [Member]
Schedule Of Available-For-Sale And Held-To-Maturity [Line Items]
Number of securities with unrealized losses, available-for-sale | security	6	2
Fair value of available-for-sale securities	$ 8,361	$ 2,905
Unrealized loss of available-for-sale securities	55	32
State And Political Subdivisions [Member]
Schedule Of Available-For-Sale And Held-To-Maturity [Line Items]
Fair value of available-for-sale securities	8,778	13,316
Unrealized loss of available-for-sale securities	$ 129	$ 206
State And Political Subdivisions [Member] | Available-for-sale Securities [Member]
Schedule Of Available-For-Sale And Held-To-Maturity [Line Items]
Number of securities with unrealized losses, available-for-sale | security	15	22
Unrealized loss of available-for-sale securities	$ 129	$ 206
Number of securities with unrealized losses from state and political subdivisions maturity minimum number of years	10 years
State And Political Subdivisions [Member] | Held-to-maturity Securities [Member]
Schedule Of Available-For-Sale And Held-To-Maturity [Line Items]
Number of securities with unrealized losses, held-to-maturity | security	0	2
Unrealized loss of held-to-maturity securities		$ 5
Mortgage Backed U.S. Government-Sponsored Enterprises [Member]
Schedule Of Available-For-Sale And Held-To-Maturity [Line Items]
Number of securities with unrealized losses, available-for-sale | security	18	13
Fair value of available-for-sale securities	$ 31,885	$ 19,111
Unrealized loss of available-for-sale securities	$ 436	$ 158

Securities (Amortized Cost And

Securities (Amortized Cost And Approximate Fair Value Of Securities Available For Sale) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	$ 93,632	$ 77,695
Gross Unrealized Gains	764	677
Gross Unrealized Losses	(620)	(396)
Fair Value	93,776	77,976
U.S. Government Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	12,792	7,873
Gross Unrealized Gains	51	17
Gross Unrealized Losses	(55)	(32)
Fair Value	12,788	7,858
State And Political Subdivisions [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	37,771	26,432
Gross Unrealized Gains	507	158
Gross Unrealized Losses	(129)	(206)
Fair Value	38,149	26,384
Mortgage Backed U.S. Government-Sponsored Enterprises [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	43,069	43,382
Gross Unrealized Gains	206	500
Gross Unrealized Losses	(436)	(158)
Fair Value	$ 42,839	43,724
Equity Securities-Financial Services Industry And Other [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost		8
Gross Unrealized Gains		2
Fair Value		$ 10

Securities (Amortized Cost An57

Securities (Amortized Cost And Fair Value Of Securities By Contractual Maturity Of Available-For-Sale Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Due after one year through five years, Amortized Cost	$ 699
Due after five years through ten years, Amortized Cost	2,834
Due after ten years, Amortized Cost	34,238
Total bonds and obligations, Amortized Cost	37,771
Due after one year through five years, Fair Value	698
Due after five years through ten years, Fair Value	2,832
Due after ten years, Fair Value	34,619
Total bonds and obligations, Fair Value	38,149
Amortized Cost	93,632	$ 77,695
Fair Value	93,776	77,976
U.S. Government Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	12,792	7,873
Fair Value	12,788	7,858
Mortgage Backed U.S. Government-Sponsored Enterprises [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	43,069	43,382
Fair Value	$ 42,839	43,724
Equity Securities-Financial Services Industry And Other [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost		8
Fair Value		$ 10

Securities (Temporarily Impaire

Securities (Temporarily Impaired Gross Unrealized Losses And Fair Value Of Available-For-Sale Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Less Than Twelve Months, Fair Value	$ 43,553	$ 23,282
Less Than Twelve Months, Gross Unrealized Losses	(566)	(206)
Twelve Months or More, Fair Value	5,471	12,050
Twelve Months or More, Gross Unrealized Losses	(54)	(190)
Total, Fair Value	49,024	35,332
Total, Gross Unrealized Losses	(620)	(396)
U.S. Government Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Less Than Twelve Months, Fair Value	5,888
Less Than Twelve Months, Gross Unrealized Losses	(23)
Twelve Months or More, Fair Value	2,473	2,905
Twelve Months or More, Gross Unrealized Losses	(32)	(32)
Total, Fair Value	8,361	2,905
Total, Gross Unrealized Losses	(55)	(32)
State And Political Subdivisions [Member]
Schedule of Available-for-sale Securities [Line Items]
Less Than Twelve Months, Fair Value	5,780	7,603
Less Than Twelve Months, Gross Unrealized Losses	(107)	(112)
Twelve Months or More, Fair Value	2,998	5,713
Twelve Months or More, Gross Unrealized Losses	(22)	(94)
Total, Fair Value	8,778	13,316
Total, Gross Unrealized Losses	(129)	(206)
Mortgage Backed U.S. Government-Sponsored Enterprises [Member]
Schedule of Available-for-sale Securities [Line Items]
Less Than Twelve Months, Fair Value	31,885	15,679
Less Than Twelve Months, Gross Unrealized Losses	(436)	(94)
Twelve Months or More, Fair Value		3,432
Twelve Months or More, Gross Unrealized Losses		(64)
Total, Fair Value	31,885	19,111
Total, Gross Unrealized Losses	$ (436)	$ (158)

Securities (Amortized Cost An59

Securities (Amortized Cost And Approximate Fair Value Of Securities Held-To-Maturity) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	$ 6,834
Securities held to maturity, fair value	7,008	$ 6,190
State And Political Subdivisions [Member]
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	6,834	6,006
Gross Unrealized Gains	174	189
Gross Unrealized Losses		(5)
Securities held to maturity, fair value	$ 7,008	$ 6,190

Securities (Amortized Cost An60

Securities (Amortized Cost And Fair Value Of Securities By Contractual Maturity Of Held-To-Maturity Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Securities [Abstract]
Due in one year or less, Amortized Cost	$ 2,953
Due after five years through ten years, Amortized Cost	2,832
Due after ten years, Amortized Cost	1,049
Amortized Cost	6,834
Due in one year or less, Fair Value	2,953
Due after five years through ten years, Fair Value	2,901
Due after ten years, Fair Value	1,154
Total held to maturity securities, Fair Value	$ 7,008	$ 6,190

Securities (Temporarily Impai61

Securities (Temporarily Impaired Gross Unrealized Losses And Fair Value Of Held-To-Maturity Securities) (Details) - State And Political Subdivisions [Member] $ in Thousands	Dec. 31, 2014USD ($)
Schedule of Held-to-maturity Securities [Line Items]
Twelve Months or More, Fair Value	$ 811
Twelve Months or More, Gross Unrealized Losses	(5)
Total, Fair Value	811
Total, Gross Unrealized Losses	$ (5)

Loans (Narrative) (Details)

Loans (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Loans [Abstract]
Mortgage loans serviced for the benefit of others	$ 454	$ 475

Loans (Composition Of Net Loans

Loans (Composition Of Net Loans Receivable) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	$ 544,090	$ 472,461
Unearned net loan origination fees	(667)	(488)
Allowance for loan losses	(5,590)	(5,641)
Net loans receivable	537,833	466,332
Mortgage loans serviced for the benefit of others	454	475
Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	20,023	20,549
Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	13,348	12,379
Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	382,262	326,370
Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	127,204	111,498
Consumer And Other [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	$ 1,253	$ 1,665

Allowance For Loan Losses And64

Allowance For Loan Losses And Credit Quality Of Financing Receivables (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)contract	Dec. 31, 2014USD ($)
Allowance For Loan Losses And Credit Quality Of Financing Receivables [Abstract]
Number of loans modified by troubled debt restructuring	0
Number of loans with subsequent default	0
Troubled debt restructuring, charge-offs | $	$ 0	$ 0

Allowance For Loan Losses And65

Allowance For Loan Losses And Credit Quality Of Financing Receivables (Changes In The Allowance For Loan Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	$ 5,641	$ 5,421
Charge-offs	(769)	(1,387)
Recoveries	82	70
Provision	636	1,537
Ending balance	5,590	5,641
Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	231	222
Charge-offs	(19)	(1)
Recoveries	17	17
Provision	(144)	(7)
Ending balance	85	231
Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	383	308
Provision	(163)	75
Ending balance	220	383
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	3,491	3,399
Charge-offs	(560)	(1,168)
Recoveries	41	39
Provision	674	1,221
Ending balance	3,646	3,491
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	903	941
Charge-offs	(165)	(181)
Recoveries	17	4
Provision	29	139
Ending balance	784	903
Consumer And Other [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	19	16
Charge-offs	(25)	(37)
Recoveries	7	10
Provision	86	30
Ending balance	87	19
Unallocated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	614	535
Provision	154	79
Ending balance	$ 768	$ 614

Allowance For Loan Losses And66

Allowance For Loan Losses And Credit Quality Of Financing Receivables (Allowances Of Loan Losses And Loans Receivable By Class Disaggregated) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Allowance for Loan Losses	$ 5,590	$ 5,641	$ 5,421
Allowance for Loan Losses, Balance Related to Loans Individually Evaluated for Impairment	264	288
Allowance for Loan Losses, Balance Related to Loans Collectively Evaluated for Impairment	4,558	4,739
Total Financing Receivables	544,090	472,461
Loans Receivable, Individually Evaluated for Impairment	6,864	7,513
Loans Receivable, Collectively Evaluated for Impairment	537,226	464,948
Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Allowance for Loan Losses	85	231	222
Allowance for Loan Losses, Balance Related to Loans Individually Evaluated for Impairment		51
Allowance for Loan Losses, Balance Related to Loans Collectively Evaluated for Impairment	85	180
Total Financing Receivables	20,023	20,549
Loans Receivable, Individually Evaluated for Impairment	20	94
Loans Receivable, Collectively Evaluated for Impairment	20,003	20,455
Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Allowance for Loan Losses	220	383	308
Allowance for Loan Losses, Balance Related to Loans Collectively Evaluated for Impairment	220	383
Total Financing Receivables	13,348	12,379
Loans Receivable, Collectively Evaluated for Impairment	13,348	12,379
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Allowance for Loan Losses	3,646	3,491	3,399
Allowance for Loan Losses, Balance Related to Loans Individually Evaluated for Impairment	112	136
Allowance for Loan Losses, Balance Related to Loans Collectively Evaluated for Impairment	3,534	3,355
Total Financing Receivables	382,262	326,370
Loans Receivable, Individually Evaluated for Impairment	5,160	5,105
Loans Receivable, Collectively Evaluated for Impairment	377,102	321,265
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Allowance for Loan Losses	784	903	941
Allowance for Loan Losses, Balance Related to Loans Individually Evaluated for Impairment	79	101
Allowance for Loan Losses, Balance Related to Loans Collectively Evaluated for Impairment	705	802
Total Financing Receivables	127,204	111,498
Loans Receivable, Individually Evaluated for Impairment	1,546	2,314
Loans Receivable, Collectively Evaluated for Impairment	125,658	109,184
Consumer And Other [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Allowance for Loan Losses	87	19	16
Allowance for Loan Losses, Balance Related to Loans Individually Evaluated for Impairment	73
Allowance for Loan Losses, Balance Related to Loans Collectively Evaluated for Impairment	14	19
Total Financing Receivables	1,253	1,665
Loans Receivable, Individually Evaluated for Impairment	138
Loans Receivable, Collectively Evaluated for Impairment	1,115	1,665
Unallocated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, Allowance for Loan Losses	$ 768	$ 614	$ 535

Allowance For Loan Losses And67

Allowance For Loan Losses And Credit Quality Of Financing Receivables (An Age Analysis Of Loans Receivable) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable 30-59 Days Past Due	$ 1,114	$ 4,318
Loans Receivable 60-89 Days Past Due	1,709	1,317
Loans Receivable Greater Than 90 Days Past Due	5,312	6,009
Total Past Due	8,135	11,644
Loans Receivable, Current	535,955	460,817
Total Financing Receivables	544,090	472,461
Recorded Investment Greater Than 90 Days And Accruing		85
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable 30-59 Days Past Due	5	9
Loans Receivable Greater Than 90 Days Past Due	20	94
Total Past Due	25	103
Loans Receivable, Current	19,998	20,446
Total Financing Receivables	20,023	20,549
Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable 30-59 Days Past Due		1,354
Total Past Due		1,354
Loans Receivable, Current	13,348	11,025
Total Financing Receivables	13,348	12,379
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable 30-59 Days Past Due	758	2,395
Loans Receivable 60-89 Days Past Due	1,461	1,209
Loans Receivable Greater Than 90 Days Past Due	4,016	3,936
Total Past Due	6,235	7,540
Loans Receivable, Current	376,027	318,830
Total Financing Receivables	382,262	326,370
Residential Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable 30-59 Days Past Due	335	555
Loans Receivable 60-89 Days Past Due	247	108
Loans Receivable Greater Than 90 Days Past Due	1,138	1,978
Total Past Due	1,720	2,641
Loans Receivable, Current	125,484	108,857
Total Financing Receivables	127,204	111,498
Recorded Investment Greater Than 90 Days And Accruing		85
Consumer And Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable 30-59 Days Past Due	16	5
Loans Receivable 60-89 Days Past Due	1
Loans Receivable Greater Than 90 Days Past Due	138	1
Total Past Due	155	6
Loans Receivable, Current	1,098	1,659
Total Financing Receivables	$ 1,253	$ 1,665

Allowance For Loan Losses And68

Allowance For Loan Losses And Credit Quality Of Financing Receivables (Loans Which The Accrual Of Interest Has Been Discontinued) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 5,312	$ 5,924
Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	20	94
Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	4,016	3,936
Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	1,138	1,893
Consumer And Other [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 138	$ 1

Allowance For Loan Losses And69

Allowance For Loan Losses And Credit Quality Of Financing Receivables (Credit Risk Profile By Creditworthiness) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	$ 544,090	$ 472,461
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	20,023	20,549
Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	13,348	12,379
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	382,262	326,370
Residential Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	127,204	111,498
Consumer And Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	1,253	1,665
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	526,666	455,111
Pass [Member] | Commercial And Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	19,983	20,446
Pass [Member] | Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	13,348	12,379
Pass [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	367,305	312,172
Pass [Member] | Residential Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	124,915	108,587
Pass [Member] | Consumer And Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	1,115	1,527
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	9,705	8,861
Special Mention [Member] | Commercial And Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	5	9
Special Mention [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	8,957	8,257
Special Mention [Member] | Residential Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	743	457
Special Mention [Member] | Consumer And Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable		138
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	7,719	8,489
Substandard [Member] | Commercial And Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	35	94
Substandard [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	6,000	5,941
Substandard [Member] | Residential Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	1,546	$ 2,454
Substandard [Member] | Consumer And Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	$ 138

Allowance For Loan Losses And70

Allowance For Loan Losses And Credit Quality Of Financing Receivables (Impaired Loans) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Impaired [Line Items]
Recorded Investment, Total	$ 6,864	$ 7,513
Unpaid Principal Balance, Total	6,893	8,092
Related Allowance	264	288
Average Recorded Investment, Total	7,155	10,283
Interest Income Recognized, Total	82	143
Commercial And Industrial [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	20
Recorded Investment, With an allowance recorded		94
Recorded Investment, Total	20	94
Unpaid Principal Balance, With no related allowance recorded	20
Unpaid Principal Balance, With an allowance recorded		94
Unpaid Principal Balance, Total	20	94
Related Allowance		51
Average Recorded Investment, With no related allowance recorded	16
Average Recorded Investment, With an allowance recorded	19	39
Average Recorded Investment, Total	35	39
Interest Income Recognized, With an allowance recorded		2
Interest Income Recognized, Total		2
Commercial Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	2,684	3,167
Recorded Investment, With an allowance recorded	2,476	1,938
Recorded Investment, Total	5,160	5,105
Unpaid Principal Balance, With no related allowance recorded	2,684	3,736
Unpaid Principal Balance, With an allowance recorded	2,476	1,938
Unpaid Principal Balance, Total	5,160	5,674
Related Allowance	112	136
Average Recorded Investment, With no related allowance recorded	2,488	3,923
Average Recorded Investment, With an allowance recorded	2,706	3,968
Average Recorded Investment, Total	5,194	7,891
Interest Income Recognized, With no related allowance recorded	32	41
Interest Income Recognized, With an allowance recorded	33	37
Interest Income Recognized, Total	65	78
Residential Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	1,123	1,829
Recorded Investment, With an allowance recorded	423	485
Recorded Investment, Total	1,546	2,314
Unpaid Principal Balance, With no related allowance recorded	1,152	1,835
Unpaid Principal Balance, With an allowance recorded	423	489
Unpaid Principal Balance, Total	1,575	2,324
Related Allowance	79	101
Average Recorded Investment, With no related allowance recorded	1,239	1,786
Average Recorded Investment, With an allowance recorded	687	567
Average Recorded Investment, Total	1,926	2,353
Interest Income Recognized, With no related allowance recorded	6	53
Interest Income Recognized, With an allowance recorded	11	10
Interest Income Recognized, Total	17	$ 63
Consumer And Other [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With an allowance recorded	138
Recorded Investment, Total	138
Unpaid Principal Balance, With an allowance recorded	138
Unpaid Principal Balance, Total	138
Related Allowance	$ 73

Allowance For Loan Losses And71

Allowance For Loan Losses And Credit Quality Of Financing Receivables (Troubled Debt Restructured On Recorded Investment) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Modifications [Line Items]
Total	$ 3,578	$ 4,544
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Total	2,975	3,899
Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Total	603	645
Performing [Member]
Financing Receivable, Modifications [Line Items]
Total	1,553	1,590
Performing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Total	1,144	1,169
Performing [Member] | Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Total	409	421
Non-performing [Member]
Financing Receivable, Modifications [Line Items]
Total	2,025	2,954
Non-performing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Total	1,831	2,730
Non-performing [Member] | Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Total	$ 194	$ 224

Premises And Equipment (Narrati

Premises And Equipment (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Premises And Equipment [Abstract]
Depreciation expense	$ 998	$ 797

Premises And Equipment (Compone

Premises And Equipment (Components Of Premises And Equipment) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Property, Plant and Equipment [Line Items]
Premises and equipment	$ 15,310	$ 14,037
Accumulated depreciation	(6,431)	(5,387)
Premises and equipment, net	8,879	8,650
Land And Land Improvements [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment	2,049	2,049
Building And Building Improvements [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment	5,953	5,953
Leasehold Improvements [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment	1,430	771
Furniture, Fixtures And Equipment [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment	5,458	5,089
Assets In Progress [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment	$ 420	$ 175

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Deposits:
Brokered deposits	$ 33.8	$ 12.2
Certificates of deposit of $250,000 or more	$ 21.7	$ 13.3

Deposits (Components Of Time De

Deposits (Components Of Time Deposits) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Deposits:
Demand, non-interest bearing	$ 87,209	$ 70,490
Savings, money market and interest-bearing demand	293,774	281,163
Time deposits less than $100 thousand	86,343	68,712
Time deposits $100 thousand and over	50,530	37,905
Total deposits	$ 517,856	$ 458,270

Deposits (Schedule Of Maturitie

Deposits (Schedule Of Maturities Of Time Deposits) (Details) $ in Thousands	Dec. 31, 2015USD ($)
Deposits:
Within one year	$ 96,505
One to two years	11,966
Two to three years	20,122
Three to four years	4,787
After four years	3,493
Total time deposits	$ 136,873

Borrowings (Narrative) (Details

Borrowings (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Debt Instrument [Line Items]
Long-term borrowings	$ 61,000	$ 46,000
Atlantic Central Bankers Bank [Member]
Debt Instrument [Line Items]
Line of credit, maximum borrowing capacity	10,000
Line of credit facility, current borrowing capacity	10,000
Federal Home Loan Bank of New York [Member]
Debt Instrument [Line Items]
Line of credit, maximum borrowing capacity	125,100
Pledged assets	125,100
Line of credit facility, current borrowing capacity	49,100
Line of credit facility, overnight advances	$ 34,700	$ 23,500
Weighted average interest rate	0.52%	0.39%
Federal Home Loan Bank of New York [Member] | Minimum [Member]
Debt Instrument [Line Items]
Variable rate addition	0.20%
Federal Home Loan Bank of New York [Member] | Maximum [Member]
Debt Instrument [Line Items]
Variable rate addition	0.30%
Convertible Debt [Member]
Debt Instrument [Line Items]
Long-term borrowings	$ 11,000

Borrowings (Schedule Of Long-Te

Borrowings (Schedule Of Long-Term Borrowings) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Debt Instrument [Line Items]
Long-term borrowings	$ 61,000	$ 46,000
4.00% Borrowings Due December 7, 2016 [Member]
Debt Instrument [Line Items]
Maturity Date	Dec. 7, 2016
Interest Rate	4.00%
Long-term borrowings	$ 5,000	5,000
4.60% Borrowings Due June 21, 2017 [Member]
Debt Instrument [Line Items]
Maturity Date	Jun. 21, 2017
Interest Rate	4.60%
Long-term borrowings	$ 6,000	6,000
1.31% Borrowings Due November 3, 2017 [Member]
Debt Instrument [Line Items]
Maturity Date	Nov. 3, 2017
Interest Rate	1.31%
Long-term borrowings	$ 5,000	5,000
3.97% Borrowings Due December 7, 2017 [Member]
Debt Instrument [Line Items]
Maturity Date	Dec. 7, 2017
Interest Rate	3.97%
Long-term borrowings	$ 5,000	5,000
3.66% Borrowings Due December 26, 2017 [Member]
Debt Instrument [Line Items]
Maturity Date	Dec. 26, 2017
Interest Rate	3.66%
Long-term borrowings	$ 5,000	5,000
3.79% Borrowings Due December 26, 2017 [Member]
Debt Instrument [Line Items]
Maturity Date	Dec. 26, 2017
Interest Rate	3.79%
Long-term borrowings	$ 5,000	5,000
1.18% Borrowings Due January 16, 2018 [Member]
Debt Instrument [Line Items]
Maturity Date	Jan. 16, 2018
Interest Rate	1.18%
Long-term borrowings	$ 5,000
1.65% Borrowings Due July 17, 2018 [Member]
Debt Instrument [Line Items]
Maturity Date	Jul. 17, 2018
Interest Rate	1.65%
Long-term borrowings	$ 5,000	5,000
1.83% Borrowings Due September 19, 2018 [Member]
Debt Instrument [Line Items]
Maturity Date	Sep. 19, 2018
Interest Rate	1.83%
Long-term borrowings	$ 5,000	5,000
2.02% Borrowings Due January 31, 2019 [Member]
Debt Instrument [Line Items]
Maturity Date	Jan. 31, 2019
Interest Rate	2.02%
Long-term borrowings		$ 5,000
1.53% Borrowings Due February 4, 2019 [Member]
Debt Instrument [Line Items]
Maturity Date	Feb. 4, 2019
Interest Rate	1.53%
Long-term borrowings	$ 5,000
1.66% Borrowings Due January 15, 2020 [Member]
Debt Instrument [Line Items]
Maturity Date	Jan. 15, 2020
Interest Rate	1.66%
Long-term borrowings	$ 5,000
1.78% Borrowings Due October 5, 2020 [Member]
Debt Instrument [Line Items]
Maturity Date	Oct. 5, 2020
Interest Rate	1.78%
Long-term borrowings	$ 5,000

Borrowings (Schedule Of Maturit

Borrowings (Schedule Of Maturities Of Debt) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Borrowings [Abstract]
Within one year	$ 5,000
One to two years	26,000
Two to three years	15,000
Three to four years	5,000
Four to five years	10,000
Long-term Debt, Total	$ 61,000	$ 46,000

Junior Subordinated Debenture80

Junior Subordinated Debentures And Mandatory Redeemable Capital Debentures (Narrative) (Details) - Capital Securities, September 15, 2037 [Member] - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Jun. 28, 2007
Debt Instrument [Line Items]
Amount of securities issued to investors			$ 12,500,000
Basis of variable rate	three month LIBOR
Variable rate addition	1.44%
Variable interest rate during the period	1.95%	1.68%
Variable rate junior subordinated debentures			$ 12,900,000
Maturity date	Sep. 15, 2037

Lease Commitments And Total R81

Lease Commitments And Total Rental Expense (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Lease Commitments And Total Rental Expense [Abstract]
Rent expense	$ 649	$ 530

Lease Commitments And Total R82

Lease Commitments And Total Rental Expense (Schedule Of Future Minimum Lease Payments) (Details) $ in Thousands	Dec. 31, 2015USD ($)
Lease Commitments And Total Rental Expense [Abstract]
2,016	$ 732
2,017	660
2,018	577
2,019	577
2,020	171
Thereafter	682
Future minimum lease payments	$ 3,399

Employee Benefit Plans (Narrati

Employee Benefit Plans (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
SERP [Member]
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Carrying value of deferred compensation	$ 239	$ 179
Period over which benefits will be paid	5 years
401 K Plan [Member]
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Maximum annual salary contribution for non-highly compensated employees	75.00%
Maximum annual salary contribution for highly compensated employees	7.00%
Employer's percentage match of employee's match percentage	50.00%
Percentage of employee's annualy salary that is matched by the employer	6.00%
Amount charged to expense under 401(k) plan	$ 135	130
Supplemental Plans [Member]
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Salary Continuation Plan charged to expense	57	62
Carrying value of deferred compensation	795	868
Incentive Plan [Member]
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Carrying value of deferred compensation	173	148
DCA [Member]
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Carrying value of deferred compensation	$ 1,200	$ 833
Maximum earnings rate on deferred compensation, percentage of stock price	10.00%
Period over which benefits will be paid	10 years

Comprehensive Income (Details)

Comprehensive Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Comprehensive Income [Abstract]
Unrealized losses on available for sale securities arising during the period	$ 134	$ 4,155
Reclassification adjustment for net gains on securities transactions included in net income, Before Tax	(271)	(289)
Total other comprehensive (loss) income, Before Tax	(137)	3,866
Unrealized gains on available for sale securities, Tax Effect	54	1,662
Reclassification adjustment for net gains on securities transactions included in net income, Tax Effect	(108)	(116)
Total other comprehensive (loss) income, Tax Effect	(54)	1,546
Unrealized gains on available for sale securities, Net of Tax	80	2,493
Reclassification adjustment for net gains on securities transactions included in net income, Net of Tax	(163)	(173)
Other comprehensive income (loss), net of income taxes	$ (83)	$ 2,320

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Earnings Per Share [Abstract]
Net earnings applicable to common stockholders (Numerator)	$ 3,700	$ 2,600
Net income applicable to common stockholders and assumed conversions (Numerator)	$ 3,700	$ 2,600
Basic, Shares (Denominator)	4,559,316	4,541,305
Unvested stock awards, Shares (Denominator)	32,506	39,045
Diluted, Shares (Denominator)	4,591,822	4,580,350
Basic, Per Share Amount	$ 0.81	$ 0.57
Diluted, Per Share Amount	$ 0.81	$ 0.57
Shares of common stock outstanding not included in the computation of diluted EPS	58,274	9,381

Stock Incentive Plans (Narrativ

Stock Incentive Plans (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted stock awards expense	$ 337,000	$ 300,000
Unrecognized compensation expense for non-vested restricted stock	$ 433,000	$ 439,000
Stock option grants, maximum term, in years	7 years 6 months
Options outstanding	51,985	46,525	32,749
Options outstanding, intrinsic value	$ 157,717
Options exercisable, intrinsic value	$ 21,844
Weighted average grant date fair value of options granted per share	$ 3.56
Stock options expected future expense	$ 150,000
2004 Stock Option Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share available for future grants	0
2013 Stock Option Plan [Member
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share available for future grants	185,335
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation expense, period for recognition	3 years 10 months 24 days
Volatility rate calculation period	5 years
Stock-based compensation expense	$ 37,000	$ 4,000
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation expense, period for recognition	1 year 4 months 24 days	1 year 8 months 12 days
Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock option grants, maximum term, in years	10 years

Stock Incentive Plans (Summary

Stock Incentive Plans (Summary Of Information Regarding Restricted Stock Activity) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Stock Incentive Plans [Abstract]
Unvested restricted stock, beginning of year, Number of Shares	112,545	125,922
Unvested restricted stock, beginning of year, Weighted Average Grant Date Fair Value	$ 6.06	$ 4.98
Granted, Number of Shares	32,692	36,043
Granted, Weighted Average Grant Date Fair Value	$ 10.54	$ 8.81
Forfeited, Number of Shares	(1,001)	(2,550)
Forfeited, Weighted Average Grant Date Fair Value	$ 9.19	$ 7.20
Vested, Number of Shares	(50,666)	(46,870)
Vested, Weighted Average Grant Date Fair Value	$ 5.93	$ 5.21
Unvested restricted stock, end of period, Number of Shares	93,570	112,545
Unvested restricted stock, end of period, Weighted Average Grant Date Fair Value	$ 7.67	$ 6.06

Stock Incentive Plans (Summar88

Stock Incentive Plans (Summary Of Information Regarding Stock Option Plans) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Stock Incentive Plans [Abstract]
Number of Shares, Outstanding, beginning of year	46,525	32,749
Number of Shares, Options granted	15,985	36,000
Number of Shares, Options expired	(10,525)	(22,224)
Number of Shares, Outstanding, end of period	51,985	46,525
Number of Shares, Exercisable, end of period	7,200
Weighted Average Exercise Price per Share, Outstanding, beginning of year	$ 10.63	$ 14.31
Weighted Average Exercise Price per Share, Options granted	10.25	9.97
Weighted Average Exercise Price per Share, Options expired	12.91	14.97
Weighted Average Exercise Price per Share, Outstanding, end of period	10.06	$ 10.63
Weighted Average Exercise Price per Share, Exercisable, end of period	$ 9.97
Weighted Average Contractual Term, Outstanding, end of period	8 years 10 months 24 days
Weighted Average Contractual Term, Exercisable, end of period	8 years 10 months 24 days
Aggregate Intrinsic Value, Outstanding, end of period	$ 157,717
Aggregate Intrinsic Value, Exercisable, end of period	$ 21,844

Stock Incentive Plans (Summar89

Stock Incentive Plans (Summary Of Stock Options Outstanding By Exercise Price) (Details)	12 Months Ended
	Dec. 31, 2015$ / sharesshares
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Number Outstanding	51,985
Weighted Average Remaining Life (Years)	8 years 10 months 24 days
Number Exercisable	7,200
Exercise Price $9.97 [Member]
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise Price | $ / shares	$ 9.97
Number Outstanding	36,000
Weighted Average Remaining Life (Years)	8 years 10 months 24 days
Number Exercisable	7,200
Exercise Price $12.63 [Member]
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise Price | $ / shares	$ 10.25
Number Outstanding	15,985
Weighted Average Remaining Life (Years)	9 years 1 month 6 days

Stock Incentive Plans (Summar90

Stock Incentive Plans (Summary Of Stock Option Assumptions) (Details)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Stock Incentive Plans [Abstract]
Expected dividend yield	1.56%	1.20%
Expected volatility	34.32%	34.47%
Risk-free interest rate	1.37%	1.55%
Expected option life	7 years 6 months

Income Taxes (Components Of Inc

Income Taxes (Components Of Income Tax Expense) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Income Taxes [Abstract]
Current, Federal		$ 1,014	$ 1,402
Current, State		439	524
Current income tax expense		1,453	1,926
Deferred, Federal		117	(689)
Deferred, State		70	(236)
Deferred income tax expense		187	(925)
Income Tax Expense (Benefit), Total	[1]	$ 1,640	$ 1,001
[1]	Calculated at statutory tax rate of 40%.

Income Taxes (Schedule Of Effec

Income Taxes (Schedule Of Effective Income Tax Rate Reconciliation) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Income Taxes [Abstract]
Federal income tax at statutory rate		$ 1,816	$ 1,224
Tax exempt interest		(312)	(327)
State income tax, net of federal income tax effect		336	190
Bank owned life insurance		(106)	(110)
Other		(94)	24
Income Tax Expense (Benefit), Total	[1]	$ 1,640	$ 1,001
Federal income tax at statutory rate, percent		34.00%	34.00%
Tax exempt interest, percent		(6.00%)	(9.00%)
State income tax, net of federal income tax effect, percent		6.00%	5.00%
Bank owned life insurance, percent		(2.00%)	(3.00%)
Other, percent		(1.00%)	1.00%
Effective income tax rate		31.00%	28.00%
[1]	Calculated at statutory tax rate of 40%.

Income Taxes (Components Of Net

Income Taxes (Components Of Net Deferred Tax Asset) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Income Taxes [Abstract]
Allowance for loan losses	$ 2,233	$ 2,253
Deferred compensation	953	679
Deferred fees	347	138
Foreclosed real estate	219	204
Restricted stock	115	55
AMT credit		391
Other	214	281
Total deferred tax assets	4,081	4,001
Depreciation	(441)	(285)
Prepaid Expenses	(254)	(143)
Unrealized gain on securities, available for sale	(58)	(113)
Total deferred tax liabilities	(753)	(541)
Net deferred tax asset	$ 3,328	$ 3,460

Transactions With Executive O94

Transactions With Executive Officers, Directors And Principal Stockholders (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Legal Services [Member]
Related Party Transaction [Line Items]
Expenses from related parties	$ 14	$ 73
Appraisal Services [Member]
Related Party Transaction [Line Items]
Expenses from related parties	12	18
Rent Expense [Member]
Related Party Transaction [Line Items]
Expenses from related parties	147	146
Engineering Services [Member]
Related Party Transaction [Line Items]
Expenses from related parties	$ 6	$ 26

Transactions With Executive O95

Transactions With Executive Officers, Directors And Principal Stockholders (Schedule Of Related Party Loan Activity) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Transactions With Executive Officers, Directors And Principal Stockholders [Abstract]
Balance, beginning	$ 6,136	$ 6,431
Disbursements	2,664	349
Repayments and other	(2,153)	(644)
Balance, ending	$ 6,647	$ 6,136

Financial Instruments With Of96

Financial Instruments With Off-Balance Sheet Risk (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Commitments To Grant Loans [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instrument commitments	$ 30,561	$ 20,199
Unfunded Commitments Under Lines Of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instrument commitments	53,087	39,968
Outstanding Standby Letters of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instrument commitments	$ 990	$ 910

Capital And Regulatory Matter97

Capital And Regulatory Matters (Narrative) (Details) $ in Millions	12 Months Ended
	Dec. 31, 2015USD ($)
Capital And Regulatory Matters [Abstract]
Cash reserve balance required	$ 2.3
Dividend payment restrictions, minimum capital stock surplus	50.00%
Funds available for payment of dividends	$ 58.2
Restricted equity in net assets	$ 7.5

Capital And Regulatory Matter98

Capital And Regulatory Matters (Schedule Of Actual Capital Amounts) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Capital And Regulatory Matters [Abstract]
Total capital, Actual, Amount	$ 68,283	$ 64,283
Total capital to risk-weighted assets, Actual, Ratio	12.79%	14.02%
Total capital, For Capital Purposes, Amount	$ 42,722	$ 36,674
Total capital to risk-weighted assets, For Capital Purposes, Ratio	8.00%	8.00%
Total capital, To be Well under Corrective Provisions, Amount	$ 53,402	$ 45,843
Total capital to risk-weighted assets, To be Well under Corrective Provisions, Ratio	10.00%	10.00%
Tier I capital, Actual, Amount	$ 62,693	$ 58,640
Tier I capital to risk-weighted assets, Actual, Ratio	11.74%	12.79%
Tier I capital, For Capital Purposes, Amount	$ 32,041	$ 18,337
Tier I capital to risk-weighted assets, For Capital Purposes, Ratio	6.00%	4.00%
Tier I capital, To be Well under Corrective Provisions, Amount	$ 42,722	$ 27,506
Tier I capital to risk-weighted assets, To be Well under Corrective Provisions, Ratio	8.00%	6.00%
Common equity tier I capital (to average assets), Actual, Amount	$ 62,693
Common equity tier I capital (to average assets), Actual, Ratio	11.74%
Common equity tier I capital (to average assets), For Capital Adequacy Purposes, Amount	$ 24,031
Common equity tier I capital (to average assets), For Capital Adequacy Purposes, Ratio	4.50%
Common equity tier I capital (to average assets), To be Well Capitalized, Amount	$ 34,711
Common equity tier I capital (to average assets), To be Well Capitalized, Ratio	6.50%
Tier I capital, Actual, Amount	$ 62,693	$ 58,640
Tier I capital to average assets, Actual, Ratio	9.45%	10.19%
Tier I capital, For Capital Purposes, Amount	$ 26,548	$ 23,022
Tier I capital to average assets, For Capital Purposes, Ratio	4.00%	4.00%
Tier I capital, To be Well under Corrective Provisions, Amount	$ 33,184	$ 28,778
Tier I capital to average assets, To be Well under Corrective Provisions, Ratio	5.00%	5.00%

Parent Company Only Financial99

Parent Company Only Financial (Balance Sheets) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Securities available for sale	$ 93,776	$ 77,976
Loans	537,833	466,332
Foreclosed real estate	3,354	4,449
Total Assets	684,503	595,915
Junior subordinated debentures	12,887	12,887
Stockholders' equity	53,941	51,229	$ 46,425
Total Liabilities and Stockholders' Equity	684,503	595,915
Parent Company [Member]
Cash	69	1	$ 1,131
Investment in subsidiary	65,986	62,016
Accrued interest and other assets	1,466	2,635
Total Assets	67,521	64,652
Other liabilities	693	536
Junior subordinated debentures	12,887	12,887
Stockholders' equity	53,941	51,229
Total Liabilities and Stockholders' Equity	$ 67,521	$ 64,652

Parent Company Only Financia100

Parent Company Only Financial (Statements Of Income And Comprehensive Income) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Interest and fees on loans		$ 21,497	$ 19,512
Net realized gain loss on sale of securities		(271)	(289)
Net gain on sale of foreclosed real estate		38	10
Income before Income Taxes		5,340	3,601
Income tax benefit	[1]	(1,640)	(1,001)
Net Income		3,700	2,600
Unrealized losses on available for sale securities arising during the period		134	4,155
Reclassification adjustment for net gain on securities transactions included in net income		(271)	(289)
Income tax expense related to other comprehensive loss		54	(1,546)
Other comprehensive income (loss), net of income taxes		(83)	2,320
Comprehensive income		3,617	4,920
Parent Company [Member]
Interest on investments			8
Net realized gain loss on sale of securities			(1)
Interest expense on debentures		(220)	(212)
Other expenses		(311)	(266)
Income before Income Taxes		(531)	(471)
Income tax benefit		179	159
Loss before equity in undistributed net income of subsidiaries		(352)	(312)
Equity in undistributed net income of subsidiaries		4,052	2,912
Net Income		3,700	2,600
Comprehensive income		$ 3,617	$ 4,920
[1]	Calculated at statutory tax rate of 40%.

Parent Company Only Financia101

Parent Company Only Financial (Statements Of Cash Flows) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Net income	$ 3,700	$ 2,600
Net Cash Provided by Operating Activities	8,017	7,734
Purchases	(46,704)	(24,437)
Sales	20,718	27,905
Maturities, calls and principal repayments	8,559	11,721
Net increase in loans	(73,585)	(83,498)
Net Cash Used in Investing Activities	(92,213)	(71,174)
Dividends paid	(746)	(420)
Purchase of treasury stock	(533)
Net Cash Provided by Financing Activities	84,457	56,053
Net Increase (decrease) in Cash and Cash Equivalents	261	(7,387)
Parent Company [Member]
Net income	3,700	2,600
Net change in other assets and liabilities	1,699	(718)
Equity in undistributed net income of subsidiaries	(4,052)	(2,912)
Net Cash Provided by Operating Activities	1,347	(1,030)
Sales		320
Net Cash Used in Investing Activities		320
Dividends paid	(746)	(420)
Purchase of treasury stock	(533)
Net Cash Provided by Financing Activities	(1,279)	(420)
Net Increase (decrease) in Cash and Cash Equivalents	68	(1,130)
Cash and Cash Equivalents - Beginning of Year	1	1,131
Cash and Cash Equivalents - End of Year	$ 69	$ 1