United Bancshares (UBOH) 10-Q 14 Aug 15 2015 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - Jun. 30, 2015 - shares	Total
Document and Entity Information [Abstract]
Entity Registrant Name	UNITED BANCSHARES INC/OH
Document Type	10-Q
Current Fiscal Year End Date	--12-31
Trading Symbol	uboh
Entity Common Stock, Shares Outstanding	3,328,817
Amendment Flag	false
Entity Central Index Key	1,087,456
Entity Filer Category	Smaller Reporting Company
Document Period End Date	Jun. 30, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q2

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($)	Jun. 30, 2015	Dec. 31, 2014
CASH AND CASH EQUIVALENTS
Cash and due from banks	$ 9,225,433	$ 11,444,096
Interest-bearing deposits in other banks	2,755,014	20,910,484
Total cash and cash equivalents	11,980,447	32,354,580
SECURITIES, available-for-sale	208,280,291	206,461,063
RESTRICTED BANK STOCK, at cost	4,829,540	4,829,540
CERTIFICATES OF DEPOSIT, at cost	2,490,000	2,490,000
LOANS HELD FOR SALE	108,000	229,425
Loans	357,869,432	360,937,164
Less allowance for loan losses	(3,526,282)	(3,839,508)
Net loans	354,343,150	357,097,656
PREMISES AND EQUIPMENT, net	12,221,001	12,385,556
Goodwill	10,072,399	10,072,399
CORE DEPOSIT INTANGIBLE ASSETS, net	971,884	1,040,547
CASH SURRENDER VALUE OF LIFE INSURANCE	16,621,252	16,406,846
OTHER REAL ESTATE OWNED	582,750	535,999
OTHER ASSETS, including accrued interest	6,047,580	6,296,050
Total Assets	628,548,294	650,199,661
Deposits:
Non-interest bearing	85,054,945	92,499,725
Interest-bearing	434,571,482	472,945,234
Total deposits	519,626,427	565,444,959
Other borrowings	22,328,000
Junior subordinated deferrable interest debentures	12,755,454	12,738,549
Other liabilities	4,587,637	4,243,876
Total liabilities	559,297,518	582,427,384
SHAREHOLDERS' EQUITY
Common stock, stated value $1.00. authorized 10,000,000 shares; 3,760,557 shares issued; share outstanding at 6/30/15 of 3,328,817 and 3,367,735 as of 12/31/14	3,760,557	3,760,557
Surplus	14,667,564	14,665,845
Retained earnings	56,347,958	53,925,768
Accumulated other comprehensive income	1,054,373	1,412,115
Treasury stock 431,740 shares at June 30, 2015 and 392,822 shares at December 31, 2014, at cost	(6,579,676)	(5,992,008)
Total shareholders' equity	69,250,776	67,772,277
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 628,548,294	$ 650,199,661

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - $ / shares	Jun. 30, 2015	Dec. 31, 2014
Statement of Financial Position [Abstract]
Common stock par value (in Dollars per share)	$ 1	$ 1
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	3,760,557	3,760,557
Common stock, shares outstanding	3,328,817	3,367,735
Treasury stock, shares	431,740	392,822

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
INTEREST INCOME
Loans, including fees	$ 4,494,353	$ 3,639,285	$ 9,044,811	$ 7,288,907
Securities:
Taxable	694,604	643,735	1,389,582	1,295,803
Tax-exempt	403,123	447,131	792,512	928,898
Other	77,852	83,487	153,679	158,571
Total interest income	5,669,932	4,813,638	11,380,584	9,672,179
INTEREST EXPENSE
Deposits	394,082	516,470	838,224	1,018,770
Borrowings	133,088	169,142	243,479	337,141
Total interest expense	527,170	685,612	1,081,703	1,355,911
Net interest income	5,142,762	4,128,026	10,298,881	8,316,268
PROVISION FOR LOAN LOSSES		115,000	100,000	115,000
Net interest income after provision for loan losses	5,142,762	4,013,026	10,198,881	8,201,268
NON-INTEREST INCOME
Gain on sale of loans	129,560	66,926	223,795	121,175
Net securities gains	17,984	395,244	52,437	396,996
Other operating income	1,129,145	886,543	2,004,177	1,645,195
Total non-interest income	1,276,689	1,348,713	2,280,409	2,163,366
NON-INTEREST EXPENSES	4,315,408	3,629,467	8,943,375	7,575,203
INCOME BEFORE INCOME TAXES	2,104,043	1,732,272	3,535,915	2,789,431
PROVISION FOR INCOME TAXES	201,000	407,000	511,000	563,000
NET INCOME	$ 1,903,043	$ 1,325,272	$ 3,024,915	$ 2,226,431
NET INCOME PER SHARE
Basic	$ 0.57	$ 0.39	$ 0.90	$ 0.65
Weighted average common shares outstanding, Basic	3,343,553	3,426,172	3,354,839	3,431,317
Diluted	$ 0.57	$ 0.39	$ 0.90	$ 0.65
Weighted average common shares outstanding, Diluted	3,343,553	3,426,172	3,354,839	3,431,317

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Statement of Comprehensive Income [Abstract]
NET INCOME	$ 1,903,043	$ 1,325,272	$ 3,024,915	$ 2,226,431
Unrealized gains on securities:
Unrealized holding gains (losses) during period	(1,776,949)	2,420,328	(489,596)	4,308,641
Reclassification adjustments for gains included in net income	(17,984)	(395,244)	(52,437)	(396,996)
Other comprehensive income (loss), before income taxes	(1,794,933)	2,025,084	(542,033)	3,911,645
Income tax expense (benefit) related to items of other comprehensive income	610,277	(688,529)	184,291	(1,329,959)
Other comprehensive income (loss)	(1,184,656)	1,336,555	(357,742)	2,581,686
COMPREHENSIVE INCOME	$ 718,387	$ 2,661,827	$ 2,667,173	$ 4,808,117

Consolidated Statements of Shar

Consolidated Statements of Shareholders' Equity - USD ($)	Common Stock [Member]	Surplus [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Treasury Stock [Member]	Total
Beginning balance at Dec. 31, 2013	$ 3,760,557	$ 14,663,861	$ 50,807,689	$ (1,358,205)	$ (4,866,037)	$ 63,007,865
Net income			2,226,431			2,226,431
Other comprehensive income (loss)				2,581,686		2,581,686
Dividends declared			(686,997)			(686,997)
Repurchase of shares					(290,395)	(290,395)
Shares issued from treasury in connection with the Corporation's Employee Stock Purchase Plan		867			4,782	5,649
Balance at Jun. 30, 2014	3,760,557	14,664,728	52,347,123	1,223,481	(5,151,650)	66,844,239
Beginning balance at Dec. 31, 2014	3,760,557	14,665,845	53,925,768	1,412,115	(5,992,008)	67,772,277
Net income			3,024,915			3,024,915
Other comprehensive income (loss)				(357,742)		(357,742)
Dividends declared			(602,725)			(602,725)
Repurchase of shares					(593,815)	(593,815)
Shares issued from treasury in connection with the Corporation's Employee Stock Purchase Plan		1,719			6,147	7,866
Balance at Jun. 30, 2015	$ 3,760,557	$ 14,667,564	$ 56,347,958	$ 1,054,373	$ (6,579,676)	$ 69,250,776

Consolidated Shareholders' Equi

Consolidated Shareholders' Equity (Parentheticals) - $ / shares	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Cash dividends declared per share (in Dollars per share)	$ 0.18	$ 0.20
Repurchase of shares	39,321	18,500
Treasury Stock [Member]
Stock issued during the period, shares, Employee Stock Purchase Plans	403	313

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($)	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Cash flows provided by operating activities
Cash flows provided by operating activities	$ 4,188,669	$ 2,729,010
Cash flows used by investing activities:
Proceeds from sales, calls or maturities of securities	22,348,673	24,324,808
Purchases of available-for-sale securities	(24,056,179)	(16,159,372)
Net (increase) decrease in loans	1,902,850	(11,839,128)
Proceeds from sale of FHLB stock		749,600
Purchases of premises and equipment	(134,649)	(97,938)
Net cash used in investing activities	60,695	(3,022,030)
Cash flows from financing activities:
Net change in deposits	(45,762,823)	28,833,932
Long-term borrowings, net of repayments	22,328,000	(600,042)
Proceeds from sale of treasury shares	7,866	5,649
Purchase of treasury stock	(593,815)	(290,395)
Cash dividends paid	(602,725)	(686,997)
Net cash used by financing activities	(24,623,497)	27,262,147
Net change in cash and cash equivalents	(20,374,133)	26,969,127
At beginning of period	32,354,580	22,407,458
At end of period	11,980,447	49,376,585
Cash paid for: [Abstract]
Interest	1,108,679	1,378,215
Federal income taxes	150,000	40,000
Noncash Investing and Financing Items [Abstract]
Transfer of loans to other real estate owned	274,750
Change in net unrealized gain on available-for-sale securities	$ (489,596)	$ 4,308,641

Consolidated Financial Statemen

Consolidated Financial Statements	6 Months Ended
	Jun. 30, 2015
Consolidated Financial Statements [Abstract]
Consolidated Financial Statements	NOTE 1 – CONSOLIDATED FINANCIAL STATEMENTS The consolidated financial statements of United Bancshares, Inc. and subsidiaries (the “Corporation”) have been prepared without audit and in the opinion of management reflect all adjustments (which include normal recurring adjustments) necessary to present fairly such information for the periods and dates indicated. Since the unaudited financial statements have been prepared in accordance with the instructions to Form 10-Q, they do not contain all information and footnotes typically included in financial statements prepared in conformity with generally accepted accounting principles. Operating results for the six months ended June 30, 2015 are not necessarily indicative of the results that may be expected for the year ending December 31, 2015. The balance sheet as of December 31, 2014 is derived from completed audited consolidated financial statements with footnotes, which are included in the Corporation’s Annual Report on Form 10-K for the year ended December 31, 2014. The consolidated financial statements include the accounts of the Corporation and its wholly-owned subsidiary, The Union Bank Company (the “Bank”). The Bank has formed a wholly-owned subsidiary, UBC Investments, Inc. (“UBC”), to hold and manage its securities portfolio. The operations of UBC are located in Wilmington, Delaware. The Bank has also formed a wholly-owned subsidiary, UBC Property, Inc., to hold and manage certain property. All significant intercompany balances and transactions have been eliminated in consolidation. The accounting and reporting policies of the Corporation conform to generally accepted practices within the banking industry. The Corporation considers all of its principal activities to be banking related.

New Accounting Pronouncements

New Accounting Pronouncements	6 Months Ended
	Jun. 30, 2015
New Accounting Pronouncements [Abstract]
New Accounting Pronouncements	NOTE 2 – NEW ACCOUNTING PRONOUNCEMENTS In January 2014, the FASB issued ASU 2014-04, Receivables – Troubled Debt Restructurings by Creditors. The FASB issued ASU 2014-04 to reduce diversity by clarifying when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan receivable should be derecognized and the real property recognized. The amendments in this update are effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. The Corporation has determined the provisions for ASU 2014-04 did not have a material impact on the financial statements. In June 2014, the FASB issued ASU 2014-11, Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures, amending ASC topic 860. The FASB issued ASU 2014-11 to change the accounting for repurchase-to-maturity transactions and linked repurchase financials to secured borrowing accounting, which is consistent with the accounting for other repurchase agreements. The amendments also require two new disclosures. The first disclosure requires an entity to disclose information on transfers accounted for as sales in transactions that are economically similar to repurchase agreements. The second disclosure provides increased transparency about the types of collateral pledged in repurchase agreements and similar transactions accounted for as secured borrowings. The amendments in this update are effective for the first interim or annual period beginning after December 15, 2014. The Corporation has determined the provisions for ASU 2014-11 did not have a material impact on the financial statements. In August 2014, the FASB issued ASU 2014-14, Receivables – Troubled Debt Restructurings by Creditors. The FASB issued ASU 2014-14 to reduce the diversity of how creditors classify government-guaranteed mortgage loans, including FHA or VA guaranteed loans, upon foreclosure. The amendments in this update require that a mortgage loan be derecognized and that a separate other receivable be recognized upon foreclosure if the following conditions are met: 1) The loan has a government guarantee that is not separable from the loan before foreclosure; 2) At the time of foreclosure, the creditor has the intent to convey the real estate property to the guarantor and make a claim on the guarantee, and the creditor has the ability to recover under that claim; and 3) At the time of foreclosure, any amount of the claim that is determined on the basis of the fair value of the real estate is fixed. The amendments in this update are effective for annual periods, and interim periods within those periods, beginning after December 15, 2014. The Corporation has determined the provisions for ASU 2014-04 did not have a material impact on the financial statements.

Securities

Securities	6 Months Ended
	Jun. 30, 2015
Securities [Abstract]
Securities	NOTE 3 - SECURITIES The amortized cost and fair value of available-for-sale securities as of June 30 , 2015 and December 31, 2014 are as follows (dollars in thousands): June 30, 2015 December 31, 2014 Amortized cost Fair value Amortized cost Fair value Available-for sale: U.S. Government and agencies $ $ $ Obligations of states and political subdivisions Mortgage-backed Other Total $ $ $ $ A summary of gross unrealized gains and losses on available-for-sale securities as of June 30, 2015 and December 31, 2014 follows (dollars in thousands): June 30, 2015 December 31, 2014 Gross unrealized gains Gross unrealized losses Gross unrealized gains Gross unrealized losses Available-for sale: U.S. Government and agencies $ $ - $ Obligations of states and political subdivisions Mortgage-backed Other - - Total $ $ $ $

Loans

Loans	6 Months Ended
	Jun. 30, 2015
Loans [Abstract]
Loans	NOTE 4 – LOANS The following tables present the activity in the allowance for loan losses by portfolio segment for the periods ending June 30, 2015 and 2014. Commercial Commercial and multi-family real estate Residential real estate Consumer Total Balance at December 31, 2014 $ $ $ $ $ Provision (credit) charged to expenses Losses charged off Recoveries Balance at June 30, 2015 $ $ $ $ $ Commercial Commercial and multi-family real estate Residential real estate Consumer Total Balance at December 31, 2013 $ $ $ $ $ Provision (credit) charged to expenses Losses charged off - Recoveries Balance at June 30, 2014 $ $ $ $ $ The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method for the periods ending June 30, 2015 and December 31, 2014: June 30, 2015 Commercial Commercial and multi-family real estate Residential real estate Consumer Total Allowance for loan losses: Attributable to loans individually evaluated for impairment $ - $ $ - $ - $ Collectively evaluated for impairment - Total allowance for loan losses $ - $ $ $ $ Loans: Individually evaluated for impairment $ - $ $ - $ - $ Acquired with deteriorated credit quality - Collectively evaluated for impairment Total ending loans balance $ $ $ $ $ December 31, 2014 Commercial Commercial and multi-family real estate Residential real estate Consumer Total Allowance for loan losses: Attributable to loans individually evaluated for impairment $ - $ $ - $ - $ Collectively evaluated for impairment Total allowance for loan losses $ $ $ $ $ Loans: Individually evaluated for impairment $ $ $ - $ - $ Acquired with deteriorated credit quality Collectively evaluated for impairment Total ending loans balance $ $ $ $ $ Impaired loans were as follows as of June 30, 2015 and December 31, 2014: June 30, 2015 December 31, 2014 Loans with no allowance for loan losses allocated $ - $ Loans with allowance for loan losses allocated Total impaired loans $ $ Amount of the allowance allocated to impaired loans $ $ The average recorded investment in impaired loans (excluding loans acquired with deteriorated credit quality) for the six month periods ended June 30, 2015 and 2014 was approximately $ 5.2 million and $3.4 million, respectively. There was approximately $138,000 and $128,000 in interest income recognized by the Corporation on impaired loans on an accrual or cash basis for the six month periods ended June 30, 2015 and 2014, respectively. The following table presents loans individually evaluated for impairment by class of loans as of June 30, 2015 and December 31, 2014: June 30, 2015 December 31, 2014 Recorded investment Allowance for loan losses allocated Recorded investment Allowance for loan losses allocated With no related allowance recorded: Commercial $ - $ - $ - $ - Commercial and multi-family real estate - - - Agriculture - - - - Agricultural real estate - - - - Consumer - - - - Residential 1-4 family real estate - - - - With an allowance recorded: - - - - Commercial - - Commercial and multi-family real estate Agriculture - - - - Agricultural real estate - - - - Consumer - - - - Residential 1 -4 family real estate - - - - Total $ $ $ $ The following tables present the recorded investment in nonaccrual loans, loans past due over 90 days still on accrual and troubled debt restructurings by class of loans as of June 30, 2015 and December 31, 2014: June 30, 2015 Nonaccrual Loans past due over 90 days still accruing Troubled Debt Restructurings Commercial $ $ - $ - Commercial real estate - Agriculture - - Agricultural real estate - Consumer - - Residential real estate Total $ $ $ December 31, 2014 Nonaccrual Loans past due over 90 days still accruing Troubled Debt Restructurings Commercial $ $ $ - Commercial real estate Agricultural real estate - - Agricultural - - - Consumer - Residential real estate Total $ $ $ The nonaccrual balances in the table above include troubled debt restructurings that have been classified as nonaccrual. The following table presents the aging of the recorded investment in past due loans as of June 30, 2015 by class of loans: 30 - 59 days past due 60 – 89 days past due 90 days or greater past due Total past due Loans not past due Total Commercial $ - $ Commercial real estate - Agriculture - - Agricultural real estate - Consumer - Residential real estate Total $ $ $ $ $ $ The following table presents the aging of the recorded investment in past due loans as of December 31, 2014 by class of loans: 30 - 59 days past due 60 – 89 days past due 90 days or greater past due Total past due Loans not past due Total Commercial $ $ $ $ $ $ Commercial real estate Agriculture - - Agricultural real estate - - Consumer Residential real estate Total $ $ $ $ $ $ Credit Quality Indicators: The Corporation categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current final financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Corporation analyzes loans individually by classifying the loans as to the credit risk. This analysis generally includes loans with an outstanding balance greater than $500,000 at June 30, 2015 and $250,000 at December 31, 2014 and non-homogenous loans, such as commercial and commercial real estate loans. This analysis is performed on a quarterly basis. The Corporation uses the following definitions for risk ratings: · Special Mention: Loans which possess some credit deficiency or potential weakness which deserve close attention, but which do not yet warrant substandard classification. Such loans pose unwarranted financial risk that, if not corrected, could weaken the loan and increase risk in the future. The key distinctions of a Special Mention classification are that (1) it is indicative of an unwarranted level of risk, and (2) weaknesses are considered "potential", versus "defined", impairments to the primary source of loan repayment. · Substandard: These loans are inadequately protected by the current sound net worth and paying ability of the borrower. Loans of this type will generally display negative financial trends such as poor or negative net worth, earnings or cash flow. These loans may also have historic and/or severe delinquency problems, and bank management may depend on secondary repayment sources to liquidate these loans. The Corporation could sustain some degree of loss in these loans if the weaknesses remain uncorrected. · Doubtful: Loans in this category display a high degree of loss, although the amount of actual loss at the time of classification is undeterminable. This should be a temporary category until such time that actual loss can be identified, or improvements made to reduce the seriousness of the classification. Loans not meeting the previous criteria that are analyzed individually as part of the above described process are considered to be pass rated loans. Loans listed as not rated are generally either less than $500,000 or are included in groups of homogenous loans. As of June 30, 2015 and December 31, 2014, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: June 30, 2015 Pass Special Mention Substandard Doubtful Not rated Commercial $ $ $ $ - $ Commercial and multi-family real estate - Residential 1 – 4 family - - - - Consumer - - - - Total $ $ $ $ - $ December 31, 2014 Pass Special Mention Substandard Doubtful Not rated Commercial $ $ $ $ $ Commercial and multi-family real estate Residential 1 – 4 family - - - Consumer - - - Total $ $ $ $ $ The Corporation considers the performance of the loan portfolio and its impact on the allowance for loan losses. For residential 1 – 4 family and consumer loan classes, the Corporation also evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following table presents the recorded investment in non-impaired residential 1 – 4 family and consumer loans based on payment activity as of June 30, 2015 and December 31, 2014: June 30, 2015 Consumer Residential 1-4 family Commercial Commercial and Multi-family real estate Performing $ $ $ $ Nonperforming Total $ $ $ $ December 31, 2014 Consumer Residential 1-4 family Commercial Commercial and Multi-family real estate Performing $ $ $ $ Nonperforming Total $ $ $ $ Modifications: The Corporation’s loan portfolio also includes certain loans that have been modified in a Troubled Debt Restructuring (TDR), where economic concessions have been granted to borrowers who have experienced or are expected to experience financial difficulties. These concessions typically result from the Corporation’s loss mitigation activities and could include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance or other actions. All TDRs are also classified as impaired loans. When the Corporation modifies a loan, management evaluates any possible concession based on the present value of expected future cash flows, discounted at the contractual interest rate of the original loan agreement, except with the sole (remaining) source of repayment for the loan in the operation or liquidation of the collateral. In these cases, management uses the current fair value of the collateral, less selling costs, instead of discounted cash flows. If management determines that the value of the modified loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), an impairment is recognized through a specific reserve in the allowance or a direct write down of the loan balance if collection is not expected. The following table includes the recorded investment and number of modifications for TDR loans during the six month period ended June 30, 2015. Number of modifications Recorded investment Allowance for loan losses allocated Troubled Debt Restructurings: Commercial Real Estate 10 $ - The concessions granted in the above TDR’s were a modification of the original term. The terms were extended. The recorded investment in the loans did not change as a result of the modification. There are not any troubled debt restructurings for which there was a payment default in the current reporting period. The following is additional information with respect to loans acquired through The Ohio State Bank acquisition: Contractual Principal Accretable Carrying Receivable Difference Amount Purchased Performing Loans Balance at December 31, 2014 $ $ $ Change due to payments received Transfer to foreclosed real estate - - - Change due to loan charge-off Balance at June 30, 2015 $ $ $ Contractual Non Principal Accretable Carrying Receivable Difference Amount Purchased Impaired Loans Balance at December 31, 2014 $ $ $ Change due to payments received Transfer to foreclosed real estate Change due to loan charge-off Balance at June 30, 2015 $ $ $ As a result of The Ohio State Bank acquisition, the Corporation has loans, for which there was at acquisition, evidence of deterioration of credit quality since origination and for which it was probable at acquisition, that all contractually required payments would not be collected. The carrying amount of those loans as of June 30, 2015 and December 31, 2014 was $838,493 and $900,571, respectively. No provision for loan losses was recognized during the period ended June 30, 2015 and December 31, 2014 related to the acquired loans as there was no significant change to the credit quality of the loans.

Junior Subordinated Deferrable

Junior Subordinated Deferrable Interest Debentures	6 Months Ended
	Jun. 30, 2015
Junior Subordinated Deferrable Interest Debentures [Abstract]
Junior Subordinated Deferrable Interest Debentures	NOTE 5 – JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES The Corporation has formed and invested $ 300,000 in a business trust, United (OH) Statutory Trust (“United Trust”) which is not consolidated by the Corporation. United Trust issued $10,000,000 of trust preferred securities, which are guaranteed by the Corporation, and are subject to mandatory redemption upon payment of the debentures. United Trust used the proceeds from the issuance of the trust preferred securities, as well as the Corporation’s capital investment, to purchase $10,300,000 of junior subordinated deferrable interest debentures issued by the Corporation. The debentures have a stated maturity date of March 26, 2033 . As of March 26, 2008, and quarterly thereafter, the debentures may be shortened at the Corporation’s option. Interest is payable quarterly at a floating rate adjustable quarterly and equal to 315 basis points over the 3-month LIBOR amounting to 3.43% at June 30, 2015 and 3.38% at June 30, 2014. The Corporation has the right, subject to events in default, to defer payments of interest on the debentures by extending the interest payment period for a period not exceeding 20 consecutive quarterly periods. The Corporation assumed $3,093,000 of trust preferred securities through The Ohio State Bank acquisition. The $3,000,000 of the liability is guaranteed by the Corporation, and the remaining $93,000 is secured by an investment in the trust preferred securities. The trust preferred securities carrying value as of June 30, 2015 and December 31, 2014 was $2,455,454 and $2,438,549 respectively. The difference between the principal owed and the carrying value is due to the below-market interest rate on the debentures. The debentures have a stated maturity date of April 23, 2034 . Interest is at a floating rate adjustable quarterly and equal to 285 basis points over the 3-month LIBOR amounting to 3.13% at June 30, 2015. Each issue of the trust preferred securities carries an interest rate identical to that of the related debenture. The securities have been structured to qualify as Tier I capital for regulatory purposes and the dividends paid on such are tax deductible. However, under Federal Reserve Board guidelines, the securities cannot be used to constitute more than 25% of the Corporation’s core Tier I capital inclusive of these securities. Interest expense on the debentures approximated $218,740 and $170,444 for the six month periods ended June 30, 2015 and 2014, respectively, and is included in interest expense-other borrowings in the accompanying consolidated statements of income.

Fair Value Measurements

Fair Value Measurements	6 Months Ended
	Jun. 30, 2015
Fair Value [Abstract]
Fair Value Measurements	NOTE 6 - FAIR VALUE MEASUREMENTS ASC 820-10 defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. A fair value measurement assumes that the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability or, in the absence of a principal market, the most advantageous market for the asset or liability. The price in the principal (or most advantageous) market used to measure the fair value of the asset or liability shall not be adjusted for transaction costs. An orderly transaction is a transaction that assumes exposure to the market for a period prior to the measurement date to allow for marketing activities that are usual and customary for transactions involving such assets and liabilities; it is not a forced transaction. Market participants are buyers and sellers in the principal market that are independent, knowledgeable, and both able and willing to transact. ASC 820-10 requires the use of valuation techniques that are consistent with the market approach, the income approach, and/or the cost approach. The market approach uses prices and other relevant information generated by market transactions involving identical or comparable assets and liabilities. The income approach uses valuation techniques to convert future amounts, such as cash flows or earnings, to a single present amount on a discounted basis. The cost approach is based on the amount that currently would be required to replace the service capacity of an asset (replacement cost). Valuation techniques should be consistently applied. Inputs to valuation techniques refer to the assumptions that market participants would use in pricing the asset or liability. Inputs may be observable or unobservable. Observable inputs reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from independent sources. Unobservable inputs reflect the reporting entity’s own assumptions about the assumptions market participants would use in pricing the asset or liability developed based on the best information available in the circumstances. In that regard, ASC 820-10 establishes a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. The fair value hierarchy is as follows: Level 1 – Unadjusted quoted prices in active markets for identical assets or liabilities that the Corporation has the ability to access at the measurement date. Level 2 – Inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly. Level 2 inputs include quoted prices for similar assets or liabilities in active markets; quoted prices for identical or similar assets or liabilities in markets that are not active; inputs other than quoted prices that are observable for the asset or liability; and inputs that are derived principally from or corroborated by observable market data by correlation or other means. Level 3 – Unobservable inputs for the asset or liability for which there is little, if any, market activity at the measurement date. Unobservable inputs reflect the Corporation’s own assumptions about what market participants would use to price the asset or liability. The inputs are developed based on the best information available in the circumstances, which might include the Corporation’s own financial data such as internally developed pricing models, discounted cash flow methodologies, as well as instruments for which the fair value determination requires significant management judgment. Financial assets (there were no financial liabilities) measured at fair value on a recurring basis at June 30, 2015 and December 31, 2014 include available-for-sale securities, which are valued using Level 2 inputs except for one security which is valued using Level 1 inputs and one other security which is valued using Level 3 inputs and mortgage servicing rights, amounting to $1,287,493 at June 30, 2015 and $1,217,931 December 31, 2014, which are valued using Level 3 inputs. Financial assets (there were no financial liabilities) measured at fair value on a non-recurring basis at June30, 2015 and December 31, 2014 include other real estate owned, as well as impaired loans approximating $3.6 million at June 30, 2015 and $2.9 million at December 31, 2014 all of which are valued using Level 3 inputs. There were no financial instruments measured at fair value that moved to a lower level in the fair value hierarchy during the period ended June 30, 2015, due to the lack of observable quotes in inactive markets for those instruments at June 30, 2015. The Corporation did have one security that was moved from a Level 2 to Level 3 at December 31, 2014. The table below presents a reconciliation and income statement classification of gains and losses for mortgage servicing rights, which are measured at fair value on a recurring basis using significant unobservable inputs (Level 3), for the six month period ended June 30, 2015 and year ended December 31, 2014: June 30, 2015 December 31, 2014 Mortgage Servicing Rights Balance at beginning of period $ $ Gains or losses, including realized and unrealized: Purchases, issuances, and settlements Disposals – amortization based on loan payments and payoffs Other changes in fair value Balance at end of period $ $ Securities valued using Level 3 inputs Balance at beginning of period $ $ Principal payments received Changes in Fair Value Balance at end of period $ $ A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, follows. In general, fair value is based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based upon models that primarily use, as inputs, observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. These adjustments may include amounts to reflect counterparty credit quality, the Corporation’s creditworthiness, among other things, as well as unobservable parameters. Any such valuation adjustments are applied consistently over time. The Corporation’s valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes the Corporation’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. Securities Available-for-Sale Where quoted prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. Level 1 securities would typically include government bonds and exchange traded equities. If quoted market prices are not available, then fair values are estimated using pricing models, quoted prices of securities with similar characteristics, or discounted cash flows. Examples of such instruments, which would generally be classified within Level 2 of the valuation hierarchy, include U. S. Government and agencies, municipal bonds, mortgage-backed securities, and asset-backed securities. In certain cases where there is limited activity or less transparency around inputs to the valuation, securities are classified within Level 3 of the valuation hierarchy. The Corporation did have securities classified as Level 2 or Level 3 at June 30, 2015 and December 31, 2014. There were no gains or losses relating to securities available-for-sale included in earnings before income taxes that were attributable to changes in fair values of securities held at June 30, 2015 and December 31, 2014. Impaired Loans The Corporation does not record impaired loans at fair value on a recurring basis. However, periodically, a loan is considered impaired and is reported at the fair value of the underlying collateral less estimated cost to sell, if repayment is expected solely from collateral. Collateral values are estimated using Level 2 inputs, including recent appraisals and Level 3 inputs based on customized discounting criteria such as additional appraisal adjustments to consider deterioration of value subsequent to appraisal date and estimated cost to sell. Additional appraisal adjustments range between 15% and 70% of appraised value, and estimated selling cost ranges between 10% and 20% of the adjusted appraised value. Due to the significance of the Level 3 inputs, impaired loans fair values have been classified as Level 3. Mortgage Servicing Rights The Corporation records mortgage servicing rights at estimated fair value based on a discounted cash flow model which includes discount rates between -1.50% and 1.3 4% , in addition to prepayment, internal rate of return, servicing costs, inflation rate of servicing costs and earnings rate assumptions that are considered to be unobservable inputs. Due to the significance of the Level 3 inputs, mortgage servicing rights have been classified as Level 3. Other Real Estate Owned The Corporation values other real estate owned at the estimated fair value of the underlying collateral less appraisal adjustments between 10% and 70% of appraised value, and expected selling costs between 10% and 20% of adjusted appraised value. Such values are estimated primarily using appraisals and reflect a market value approach. Due to the significance of the Level 3 inputs, other real estate owned has been classified as Level 3. In accordance with the provisions of ASC 360-10, other real estate owned was written down to its estimated fair value of $583,000 , resulting in impairment charges of $228,000 , which are included in non-interest expenses for the six month period ended June 30, 2015. Certain other financial assets and financial liabilities are measured at fair value on a nonrecurring basis; that is, the instruments are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances, for example, when there is evidence of impairment. Financial assets and financial liabilities, excluding impaired loans and other real estate owned, measured at fair value on a nonrecurring basis were not significant at June 30, 2015 and December 31, 2014.

Fair Value of Financial Instrum

Fair Value of Financial Instruments	6 Months Ended
	Jun. 30, 2015
Fair Value [Abstract]
Fair Value of Financial Instruments	NOTE 7 – FAIR VALUE OF FINANCIAL INSTRUMENTS The carrying amounts and estimated fair values of recognized financial instruments at June 30, 2015 and December 31, 2014 were as follows (dollars in thousands): June 30, 2015 December 31, 2014 Carrying amount Estimated value Carrying amount Estimated value Input Level FINANCIAL ASSETS Cash and cash equivalents $ $ $ $ 1 Securities, including Federal Home Loan Bank stock 1, 2, 3 Certificates of deposit 2 Loans held for sale 3 Net loans 3 Mortgage servicing rights 3 $ $ $ $ FINANCIAL LIABILITIES Deposits Maturity $ $ $ 3 Non-maturity 1 Other borrowings - - 3 Junior subordinated deferrable interest debentures 3 $ $ $ $ The above summary does not include accrued interest receivable or cash surrender value of life insurance which are also considered financial instruments. The estimated fair value of such items is considered to be their carrying amounts and would be considered level 1 input. There are also unrecognized financial instruments at June 30, 2015 and December 31, 2014 which relate to commitments to extend credit and letters of credit. The contract amount of such financial instruments approximated $90,028,000 at June 30, 2015 and $92,921,000 at December 31, 2014. Such amounts are also considered to be the estimated fair values. The following methods and assumptions were used to estimate the fair value of each class of financial instruments shown above: Cash and cash equivalents: Fair value is determined to be the carrying amount for these items (which include cash on hand, due from banks, and federal funds sold) because they represent cash or mature in 90 days or less, and do not represent unanticipated credit concerns. Securities: The fair value of securities is determined based on quoted market prices of the individual securities; if not available, estimated fair value is obtained by comparison to other known securities with similar risk and maturity characteristics. Such value does not consider possible tax ramifications or estimated transaction costs. Loans: Fair value for loans was estimated for portfolios of loans with similar financial characteristics. For adjustable rate loans, which re-price at least annually and generally possess low risk characteristics, the carrying amount is believed to be a reasonable estimate of fair value. For fixed rate loans, the fair value is estimated based on a discounted cash flow analysis, considering weighted average rates and terms of the portfolio, adjusted for credit and interest rate risk inherent in the loans. Fair value for nonperforming loans is based on recent appraisals or estimated discounted cash flows. Mortgage servicing rights: The fair value for mortgage servicing rights is determined based on an analysis of the portfolio by an independent third party. Deposit liabilities: The fair value of core deposits, including demand deposits, savings accounts, and certain money market deposits, is the amount payable on demand. The fair value of fixed-maturity certificates of deposit is estimated using the rates offered at quarter end for deposits of similar remaining maturities. The estimated fair value does not include the benefit that results from the low-cost funding provided by the deposit liabilities compared to the cost of borrowing funds in the marketplace. Other borrowings and junior subordinated deferrable interest debentures: The fair value of other borrowings (consisting of Federal Home Loan Bank borrowings, securities sold under agreements to repurchase, and customer repurchase agreements), and junior subordinated deferrable interest debentures are determined using the net present value of discounted cash flows based on current borrowing rates for similar types of borrowing arrangements, and are obtained from an independent third party. Other financial instruments: The fair value of commitments to extend credit and letters of credit is determined to be the contract amount, since these financial instruments generally represent commitments at existing rates. The fair value of other borrowings is determined based on a discounted cash flow analysis using current interest rates. The fair value of other liabilities is generally considered to be carrying value except for the deferred compensation agreement. The fair value of the contract is determined based on a discounted cash flow analysis using a current interest rate for a similar instrument. The fair value estimates of financial instruments are made at a specific point in time based on relevant market information. These estimates do not reflect any premium or discount that could result from offering for sale at one time the entire holdings of a particular financial instrument over the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Since no ready market exists for a significant portion of the financial instruments, fair value estimates are largely based on judgments after considering such factors as future expected credit losses, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect these estimates.

Subsequent Events

Subsequent Events	6 Months Ended
	Jun. 30, 2015
Subsequent Events [Abstract]
Subsequent Events	NOTE 8 – SUBSEQUENT EVENTS Management evaluated subsequent events through the date the consolidated financial statements were issued. Events or transactions occurring after June 30, 2015 but prior to when the consolidated financial statements were issued, that provided additional evidence about conditions that existed at June 30, 2015 have been recognized in the consolidated financial statements for the period ended June 30, 2015. Events or transactions that provided evidence about conditions that did not exist at June 30, 2015 but arose before the financial statements were issued have not been recognized in the consolidated financial statements for the period ended June 30, 2015. On July 23, 2015 , the Corporation’s Board of Directors approved a cash dividend of $0.09 per common share payable September 16, 2015 to shareholders of record at the close of business on August 31, 2015 .

Securities (Tables)

Securities (Tables)	6 Months Ended
	Jun. 30, 2015
Securities [Abstract]
Amortized Cost and Fair Value of Securities	The amortized cost and fair value of available-for-sale securities as of June 30 , 2015 and December 31, 2014 are as follows (dollars in thousands): June 30, 2015 December 31, 2014 Amortized cost Fair value Amortized cost Fair value Available-for sale: U.S. Government and agencies $ $ $ Obligations of states and political subdivisions Mortgage-backed Other Total $ $ $ $
Unrealized Gain (Loss) on Securities	A summary of gross unrealized gains and losses on available-for-sale securities as of June 30, 2015 and December 31, 2014 follows (dollars in thousands): June 30, 2015 December 31, 2014 Gross unrealized gains Gross unrealized losses Gross unrealized gains Gross unrealized losses Available-for sale: U.S. Government and agencies $ $ - $ Obligations of states and political subdivisions Mortgage-backed Other - - Total $ $ $ $

Loans (Tables)

Loans (Tables)	6 Months Ended
	Jun. 30, 2015
Loans [Abstract]
Activity in the Allowance for Credit Losses on Financing Receivables	The following tables present the activity in the allowance for loan losses by portfolio segment for the periods ending June 30, 2015 and 2014. Commercial Commercial and multi-family real estate Residential real estate Consumer Total Balance at December 31, 2014 $ $ $ $ $ Provision (credit) charged to expenses Losses charged off Recoveries Balance at June 30, 2015 $ $ $ $ $ Commercial Commercial and multi-family real estate Residential real estate Consumer Total Balance at December 31, 2013 $ $ $ $ $ Provision (credit) charged to expenses Losses charged off - Recoveries Balance at June 30, 2014 $ $ $ $ $ The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method for the periods ending June 30, 2015 and December 31, 2014: June 30, 2015 Commercial Commercial and multi-family real estate Residential real estate Consumer Total Allowance for loan losses: Attributable to loans individually evaluated for impairment $ - $ $ - $ - $ Collectively evaluated for impairment - Total allowance for loan losses $ - $ $ $ $ Loans: Individually evaluated for impairment $ - $ $ - $ - $ Acquired with deteriorated credit quality - Collectively evaluated for impairment Total ending loans balance $ $ $ $ $ December 31, 2014 Commercial Commercial and multi-family real estate Residential real estate Consumer Total Allowance for loan losses: Attributable to loans individually evaluated for impairment $ - $ $ - $ - $ Collectively evaluated for impairment Total allowance for loan losses $ $ $ $ $ Loans: Individually evaluated for impairment $ $ $ - $ - $ Acquired with deteriorated credit quality Collectively evaluated for impairment Total ending loans balance $ $ $ $ $
Schedule of Impaired Loans	Impaired loans were as follows as of June 30, 2015 and December 31, 2014: June 30, 2015 December 31, 2014 Loans with no allowance for loan losses allocated $ - $ Loans with allowance for loan losses allocated Total impaired loans $ $ Amount of the allowance allocated to impaired loans $ $
Schedule of Activity in Allowance of Impaired Loans	The following table presents loans individually evaluated for impairment by class of loans as of June 30, 2015 and December 31, 2014: June 30, 2015 December 31, 2014 Recorded investment Allowance for loan losses allocated Recorded investment Allowance for loan losses allocated With no related allowance recorded: Commercial $ - $ - $ - $ - Commercial and multi-family real estate - - - Agriculture - - - - Agricultural real estate - - - - Consumer - - - - Residential 1-4 family real estate - - - - With an allowance recorded: - - - - Commercial - - Commercial and multi-family real estate Agriculture - - - - Agricultural real estate - - - - Consumer - - - - Residential 1 -4 family real estate - - - - Total $ $ $ $
Schedule of Financing Receivables, Non-Accrual Status	The following tables present the recorded investment in nonaccrual loans, loans past due over 90 days still on accrual and troubled debt restructurings by class of loans as of June 30, 2015 and December 31, 2014: June 30, 2015 Nonaccrual Loans past due over 90 days still accruing Troubled Debt Restructurings Commercial $ $ - $ - Commercial real estate - Agriculture - - Agricultural real estate - Consumer - - Residential real estate Total $ $ $ December 31, 2014 Nonaccrual Loans past due over 90 days still accruing Troubled Debt Restructurings Commercial $ $ $ - Commercial real estate Agricultural real estate - - Agricultural - - - Consumer - Residential real estate Total $ $ $
Past Due Financing Receivables	The following table presents the aging of the recorded investment in past due loans as of June 30, 2015 by class of loans: 30 - 59 days past due 60 – 89 days past due 90 days or greater past due Total past due Loans not past due Total Commercial $ - $ Commercial real estate - Agriculture - - Agricultural real estate - Consumer - Residential real estate Total $ $ $ $ $ $ The following table presents the aging of the recorded investment in past due loans as of December 31, 2014 by class of loans: 30 - 59 days past due 60 – 89 days past due 90 days or greater past due Total past due Loans not past due Total Commercial $ $ $ $ $ $ Commercial real estate Agriculture - - Agricultural real estate - - Consumer Residential real estate Total $ $ $ $ $ $
Risk Category of Loans, Credit Quality Indicators	June 30, 2015 Pass Special Mention Substandard Doubtful Not rated Commercial $ $ $ $ - $ Commercial and multi-family real estate - Residential 1 – 4 family - - - - Consumer - - - - Total $ $ $ $ - $ December 31, 2014 Pass Special Mention Substandard Doubtful Not rated Commercial $ $ $ $ $ Commercial and multi-family real estate Residential 1 – 4 family - - - Consumer - - - Total $ $ $ $ $
Performance of Residential and Consumer Loan Portfolio	June 30, 2015 Consumer Residential 1-4 family Commercial Commercial and Multi-family real estate Performing $ $ $ $ Nonperforming Total $ $ $ $ December 31, 2014 Consumer Residential 1-4 family Commercial Commercial and Multi-family real estate Performing $ $ $ $ Nonperforming Total $ $ $ $
Troubled Debt Restructurings on Financing Receivables	The following table includes the recorded investment and number of modifications for TDR loans during the six month period ended June 30, 2015. Number of modifications Recorded investment Allowance for loan losses allocated Troubled Debt Restructurings: Commercial Real Estate 10 $ -
Schedule of Loans Acquired in Acquisition	The following is additional information with respect to loans acquired through The Ohio State Bank acquisition: Contractual Principal Accretable Carrying Receivable Difference Amount Purchased Performing Loans Balance at December 31, 2014 $ $ $ Change due to payments received Transfer to foreclosed real estate - - - Change due to loan charge-off Balance at June 30, 2015 $ $ $ Contractual Non Principal Accretable Carrying Receivable Difference Amount Purchased Impaired Loans Balance at December 31, 2014 $ $ $ Change due to payments received Transfer to foreclosed real estate Change due to loan charge-off Balance at June 30, 2015 $ $ $

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	6 Months Ended
	Jun. 30, 2015
Fair Value [Abstract]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation	The table below presents a reconciliation and income statement classification of gains and losses for mortgage servicing rights, which are measured at fair value on a recurring basis using significant unobservable inputs (Level 3), for the six month period ended June 30, 2015 and year ended December 31, 2014: June 30, 2015 December 31, 2014 Mortgage Servicing Rights Balance at beginning of period $ $ Gains or losses, including realized and unrealized: Purchases, issuances, and settlements Disposals – amortization based on loan payments and payoffs Other changes in fair value Balance at end of period $ $ Securities valued using Level 3 inputs Balance at beginning of period $ $ Principal payments received Changes in Fair Value Balance at end of period $ $

Fair Value of Financial Instr20

Fair Value of Financial Instruments (Tables)	6 Months Ended
	Jun. 30, 2015
Fair Value [Abstract]
Carrying Amounts and Fair Values of Recognized Financial Instruments	The carrying amounts and estimated fair values of recognized financial instruments at June 30, 2015 and December 31, 2014 were as follows (dollars in thousands): June 30, 2015 December 31, 2014 Carrying amount Estimated value Carrying amount Estimated value Input Level FINANCIAL ASSETS Cash and cash equivalents $ $ $ $ 1 Securities, including Federal Home Loan Bank stock 1, 2, 3 Certificates of deposit 2 Loans held for sale 3 Net loans 3 Mortgage servicing rights 3 $ $ $ $ FINANCIAL LIABILITIES Deposits Maturity $ $ $ 3 Non-maturity 1 Other borrowings - - 3 Junior subordinated deferrable interest debentures 3 $ $ $ $

Securities (Amortized Cost and

Securities (Amortized Cost and Fair Value of Available-For-Sale Securities) (Details) - USD ($)	Jun. 30, 2015	Dec. 31, 2014
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized cost	$ 206,683,000	$ 204,321,000
Fair value, securities	208,280,291	206,461,063
U.S. Government Agencies Debt Securities [Member]
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized cost	10,642,000	9,640,000
Fair value, securities	10,615,000	9,537,000
U.S. States and Political Subdivisions Debt Securities [Member]
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized cost	63,760,000	56,605,000
Fair value, securities	64,621,000	58,099,000
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized cost	131,280,000	137,074,000
Fair value, securities	132,041,000	137,818,000
Other Available-for-Sale Securities [Member]
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized cost	1,001,000	1,002,000
Fair value, securities	$ 1,003,000	$ 1,007,000

Securities (Gross Unrealized Ga

Securities (Gross Unrealized Gains and Losses on Available-For-Sale Securities) (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale securities gross unrealized gains	$ 2,860	$ 3,236
Available-for-sale securities gross unrealized losses	1,263	1,096
U.S. Government Agencies Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale securities gross unrealized gains	6
Available-for-sale securities gross unrealized losses	33	103
U.S. States and Political Subdivisions Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale securities gross unrealized gains	1,285	1,674
Available-for-sale securities gross unrealized losses	424	181
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale securities gross unrealized gains	1,567	1,557
Available-for-sale securities gross unrealized losses	806	812
Other Available-for-Sale Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale securities gross unrealized gains	$ 2	$ 5

Loans (Narrative) (Details)

Loans (Narrative) (Details) - USD ($)	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired financing receivable, average recorded investment	$ 5,200,000	$ 3,400,000
Impaired financing receivable, interest income, accrual method	138,000	128,000
Loans acquired with deteriorated credit quality	838,493		$ 900,571
Provision charged to expenses	100,000	$ 115,000
Ohio State Bancshares, Inc. [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans acquired with deteriorated credit quality	$ 838,493		$ 900,571

Loans (Activity in the Allowanc

Loans (Activity in the Allowance for Loan Losses) (Details) - USD ($)	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses	$ 3,839,508	$ 4,014,391
Provision (credit) charged to expenses	100,000	115,000
Loans charged-off	(571,436)	(110,727)
Recoveries	158,210	43,859
Allowance for loan losses	3,526,282	4,062,523
Commercial Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses	198,367	305,434
Provision (credit) charged to expenses	245,910	151,406
Loans charged-off	(326,801)
Recoveries	59,645	6,868
Allowance for loan losses	177,121	463,708
Commercial and Multi-Family Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses	3,255,148	3,346,286
Provision (credit) charged to expenses	(183,506)	(67,744)
Loans charged-off	(125,298)	(77,462)
Recoveries	77,190	30,598
Allowance for loan losses	3,023,534	3,231,678
Residential Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses	362,895	344,803
Provision (credit) charged to expenses	37,313	27,729
Loans charged-off	(108,729)	(24,710)
Recoveries	19,306	95
Allowance for loan losses	310,785	347,917
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses	23,098	17,868
Provision (credit) charged to expenses	283	3,609
Loans charged-off	(10,608)	(8,555)
Recoveries	2,069	6,298
Allowance for loan losses	$ 14,842	$ 19,220

Loans (Activity in the Allowa25

Loans (Activity in the Allowance for Loan Losses by Portfolio Segment) (Details) - USD ($)	Jun. 30, 2015	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses, attributable to loans individually evaluated for impairment	$ 943,022	$ 806,944
Allowance for loan losses, collectively evaluated for impairment	2,583,260	3,032,564
Allowance for loan losses	3,526,282	3,839,508
Loans individually evaluated for impairment	4,562,500	3,681,443
Loans acquired with deteriorated credit quality	838,493	900,571
Loans collectively evaluated for impairment	352,468,439	356,355,150
Total ending loans balance	357,869,432	$ 360,937,164
Commercial Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses, attributable to loans individually evaluated for impairment
Allowance for loan losses, collectively evaluated for impairment		$ 198,367
Allowance for loan losses		198,367
Loans individually evaluated for impairment		197,803
Loans acquired with deteriorated credit quality	20,573	20,573
Loans collectively evaluated for impairment	68,070,798	63,604,790
Total ending loans balance	68,091,371	63,823,166
Commercial and Multi-Family Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses, attributable to loans individually evaluated for impairment	943,022	806,944
Allowance for loan losses, collectively evaluated for impairment	2,257,633	2,448,204
Allowance for loan losses	3,200,655	3,255,148
Loans individually evaluated for impairment	4,562,500	3,483,640
Loans acquired with deteriorated credit quality	741,844	678,003
Loans collectively evaluated for impairment	200,297,918	207,785,007
Total ending loans balance	205,602,262	$ 211,946,650
Residential Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses, attributable to loans individually evaluated for impairment
Allowance for loan losses, collectively evaluated for impairment	310,785	$ 362,895
Allowance for loan losses	310,785	$ 362,895
Loans individually evaluated for impairment
Loans acquired with deteriorated credit quality	76,076	$ 201,343
Loans collectively evaluated for impairment	79,996,686	80,166,430
Total ending loans balance	80,072,762	$ 80,367,773
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses, attributable to loans individually evaluated for impairment
Allowance for loan losses, collectively evaluated for impairment	14,842	$ 23,098
Allowance for loan losses	14,842	$ 23,098
Loans individually evaluated for impairment
Loans acquired with deteriorated credit quality		$ 652
Loans collectively evaluated for impairment	4,103,037	4,798,923
Total ending loans balance	$ 4,103,037	$ 4,799,575

Loans (Loans Individually Evalu

Loans (Loans Individually Evaluated for Impairment) (Details) - USD ($)	Jun. 30, 2015	Dec. 31, 2014
Financing Receivable, Impaired [Line Items]
Recorded investment, with no related allowance		$ 1,005,067
Recorded investment, with allowance recorded	$ 4,557,258	2,676,376
Impaired financing receivable, recorded investment	4,557,258	3,681,443
Allowance for loan losses allocated	943,022	806,944
Commercial Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment, with allowance recorded		197,803
Allowance for loan losses allocated		85,561
Commercial and Multi-Family Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment, with no related allowance		1,005,067
Recorded investment, with allowance recorded	4,557,258	2,478,573
Allowance for loan losses allocated	$ 943,022	$ 721,383

Loans (Nonaccrual Loans) (Detai

Loans (Nonaccrual Loans) (Details) - USD ($)	Jun. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual	$ 6,375,704	$ 5,220,716
Loans past due over 90 days and still accruing	311,509	1,512,999
Troubled debt restructurings	2,438,114	2,121,158
Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual	292,354	199,160
Loans past due over 90 days and still accruing		25,284
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual	4,637,928	3,351,521
Loans past due over 90 days and still accruing		1,253,936
Troubled debt restructurings	2,182,442	1,967,898
Agricultural Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual	66,079	78,640
Loans past due over 90 days and still accruing	287,858
Agriculture Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual	49,312
Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual	9,617	4,450
Loans past due over 90 days and still accruing		758
Residential 1-4 Family Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual	1,320,414	1,586,945
Loans past due over 90 days and still accruing	23,651	233,021
Troubled debt restructurings	$ 255,672	$ 153,260

Loans (Aging of the Recorded In

Loans (Aging of the Recorded Investment in Past Due Loans) (Details) - USD ($)	Jun. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 days past due	$ 728,602	$ 1,688,676
60 - 89 days past due	225,732	2,493,547
90 days or greater past due	4,007,625	3,843,692
Total past due	4,961,959	8,025,915
Loans not past due	352,907,473	352,911,249
Loans	357,869,432	360,937,164
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 days past due	$ 26,635	212,495
60 - 89 days past due		210,541
90 days or greater past due	$ 42,871	36,494
Total past due	69,506	459,530
Loans not past due	55,280,433	48,300,122
Loans	55,349,939	48,759,652
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 days past due	$ 194,549	1,150,611
60 - 89 days past due		1,852,191
90 days or greater past due	$ 3,187,019	3,053,809
Total past due	3,381,568	6,056,611
Loans not past due	178,976,646	181,172,227
Loans	182,358,214	$ 187,228,838
Agricultural Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 days past due	$ 15,832
60 - 89 days past due
90 days or greater past due	$ 287,858	$ 17,535
Total past due	303,690	17,535
Loans not past due	22,940,358	24,700,277
Loans	$ 23,244,048	24,717,812
Agriculture Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 days past due		$ 49,312
60 - 89 days past due
90 days or greater past due	$ 221,191
Total past due	221,191	$ 49,312
Loans not past due	12,520,241	15,014,202
Loans	12,741,432	15,063,514
Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 days past due	40,260	26,295
60 - 89 days past due	$ 33,649	44,537
90 days or greater past due		2,941
Total past due	$ 73,909	73,773
Loans not past due	4,029,128	4,725,802
Loans	4,103,037	4,799,575
Residential 1-4 Family Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 days past due	451,326	249,963
60 - 89 days past due	192,083	386,278
90 days or greater past due	268,686	732,913
Total past due	912,095	1,369,154
Loans not past due	79,160,667	78,998,619
Loans	$ 80,072,762	$ 80,367,773

Loans (Loans by Credit Quality

Loans (Loans by Credit Quality Indicators) (Details) - USD ($)	Jun. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	$ 357,869,432	$ 360,937,164
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	209,386,961	226,412,056
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	8,118,648	11,296,078
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	5,837,231	9,194,253
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable		308,005
Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	134,526,592	113,726,772
Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	68,091,371	63,823,166
Commercial Portfolio Segment [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	53,099,912	53,737,496
Commercial Portfolio Segment [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	463,157	1,515,485
Commercial Portfolio Segment [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	609,616	180,574
Commercial Portfolio Segment [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable		197,803
Commercial Portfolio Segment [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	13,918,686	8,191,808
Commercial and Multi-Family Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	205,602,262	211,946,650
Commercial and Multi-Family Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	156,287,049	172,674,560
Commercial and Multi-Family Real Estate [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	7,655,491	9,780,593
Commercial and Multi-Family Real Estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	5,227,615	8,902,162
Commercial and Multi-Family Real Estate [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable		110,202
Commercial and Multi-Family Real Estate [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	36,432,107	20,479,134
Residential 1-4 Family Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	80,072,762	80,367,773
Residential 1-4 Family Real Estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable		110,759
Residential 1-4 Family Real Estate [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	80,072,762	80,257,013
Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	4,103,037	4,799,575
Consumer Portfolio Segment [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable		758
Consumer Portfolio Segment [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	$ 4,103,037	$ 4,798,817

Loans (Performance of the Loan

Loans (Performance of the Loan Portfolio) (Details) - USD ($)	Jun. 30, 2015	Dec. 31, 2014
Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Nonimpaired loans	$ 13,918,686	$ 8,191,808
Commercial Portfolio Segment [Member] | Performing Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Nonimpaired loans	13,796,601	8,166,789
Commercial Portfolio Segment [Member] | Nonperforming Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Nonimpaired loans	122,085	25,019
Commercial and Multi-Family Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Nonimpaired loans	36,432,107	20,479,134
Commercial and Multi-Family Real Estate [Member] | Performing Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Nonimpaired loans	33,635,568	19,307,124
Commercial and Multi-Family Real Estate [Member] | Nonperforming Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Nonimpaired loans	2,796,539	1,172,010
Residential 1-4 Family Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Nonimpaired loans	80,072,762	80,257,013
Residential 1-4 Family Real Estate [Member] | Performing Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Nonimpaired loans	78,890,867	78,045,118
Residential 1-4 Family Real Estate [Member] | Nonperforming Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Nonimpaired loans	1,181,895	2,211,895
Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Nonimpaired loans	4,103,037	4,798,817
Consumer Portfolio Segment [Member] | Performing Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Nonimpaired loans	4,078,271	4,788,985
Consumer Portfolio Segment [Member] | Nonperforming Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Nonimpaired loans	$ 24,766	$ 9,832

Loans (Troubled Debt Restructur

Loans (Troubled Debt Restructurings) (Details)	6 Months Ended
	Jun. 30, 2015USD ($)contract	Dec. 31, 2014USD ($)
Financing Receivable, Modifications [Line Items]
Recorded investment	$ 2,438,114	$ 2,121,158
Allowance for loan losses allocated	$ 943,022	$ 806,944
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Number of modifications | contract	10
Recorded investment	$ 362,666
Allowance for loan losses allocated

Loans (Schedule of Loans Acquir

Loans (Schedule of Loans Acquired in Acquisition) (Details) - Ohio State Bancshares, Inc. [Member]	6 Months Ended
	Jun. 30, 2015USD ($)
Performing Financing Receivable [Member]
Contractual Principal Receivable [Abstract]
Contractual principal receivable, beginning balance	$ 58,436,586
Contractual principal receivable, change due to payments received	$ (7,102,589)
Contractual principal receivable, transfer to foreclosed real estate
Contractual principal receivable, change due to loan charge-off	$ (1,539)
Contractual principal receivable, ending balance	51,332,458
Difference [Abstract]
Accretable yield, beginning balance	(3,143,613)
Accretable yield, change due to payments received	$ 651,625
Accretable yield, transfer to foreclosed real estate
Accretable yield, change due to loan charge-off	$ 17
Accretable yield, ending balance	(2,491,971)
Carrying Amount [Abstract]
Carrying amount, beginning balance	55,292,973
Carrying amount, change due to payments received	$ (6,450,964)
Carrying amount, transfer to foreclosed real estate
Carrying amount, change due to loan charge-off	$ (1,522)
Carrying amount, ending balance	48,840,487
Nonperforming Financing Receivable [Member]
Contractual Principal Receivable [Abstract]
Contractual principal receivable, beginning balance	2,688,709
Contractual principal receivable, change due to payments received	(90,651)
Contractual principal receivable, transfer to foreclosed real estate	(16,500)
Contractual principal receivable, change due to loan charge-off	(119,469)
Contractual principal receivable, ending balance	2,462,089
Difference [Abstract]
Non-accretable difference, beginning balance	(1,788,138)
Accretable yield, change due to payments received	64,925
Accretable yield, transfer to foreclosed real estate	13,556
Accretable yield, change due to loan charge-off	86,061
Non-accretable difference, ending balance	(1,623,596)
Carrying Amount [Abstract]
Carrying amount, beginning balance	900,571
Carrying amount, change due to payments received	(25,726)
Carrying amount, transfer to foreclosed real estate	(2,944)
Carrying amount, change due to loan charge-off	(33,408)
Carrying amount, ending balance	$ 838,493

Junior Subordinated Deferrabl33

Junior Subordinated Deferrable Interest Debentures (Narrative) (Details) - USD ($)	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Investments in and Advances to Affiliates, Balance, Principal Amount	$ 300,000
Guarantor Obligations, Maximum Exposure, Undiscounted	10,000,000
Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust	$ 12,755,454		$ 12,738,549
Effective Cost of the Debentures	3.43%	3.38%
Interest Expense, Debt	$ 218,740	$ 170,444
Maximum Amount of Core Capital	25.00%
Maximum Consecutive Period that Interest Payments may be Deferred	5 years
Trust Preferred Securities [Member]
Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust	$ 10,300,000
Debt Instrument, Maturity Date	Mar. 26, 2033
London Interbank Offered Rate (LIBOR) [Member]
Debt Instrument, Basis Spread on Variable Rate	3.15%
Ohio State Bancshares, Inc. [Member]
Other Debt, Carrying Value	$ 2,455,454		$ 2,438,549
Ohio State Bancshares, Inc. [Member] | Trust Preferred Securities [Member]
Debt Instrument, Basis Spread on Variable Rate	2.85%
Effective Cost of the Debentures	3.13%
Debt Instrument, Maturity Date	Apr. 23, 2034
Liability Assumed	$ 3,093,000
Ohio State Bancshares, Inc. [Member] | Guaranteed Trust Preferred Securities [Member]
Liability Assumed	3,000,000
Ohio State Bancshares, Inc. [Member] | Trust Preferred Securities Secured by an Investment [Member]
Liability Assumed	$ 93,000

Fair Value Measurements (Narrat

Fair Value Measurements (Narrative) (Details) - USD ($)	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value assets moved to a lower level fair value hierarchy	$ 0
Gain (loss) relating to securities available-for-sale included in earnings	0	$ 0
Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial liabilities, fair value	0	0
Fair Value, Measurements, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial liabilities, fair value	0	0
Assets, nonrecurring, fair value	3,600,000	2,900,000
Mortgage Servicing Rights [Member] | Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, recurring, fair value	1,287,493	$ 1,217,931
Other Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, recurring, fair value	583,000
Impairment charges	$ 228,000
Minimum [Member] | Mortgage Servicing Rights [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value inputs, discount rate	(1.50%)
Minimum [Member] | Additional Appraisal Adjustments [Member] | Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value inputs, discount rate	15.00%
Minimum [Member] | Additional Appraisal Adjustments [Member] | Other Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value inputs, discount rate	10.00%
Minimum [Member] | Estimated Selling Costs [Member] | Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value inputs, discount rate	10.00%
Minimum [Member] | Estimated Selling Costs [Member] | Other Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value inputs, discount rate	10.00%
Maximum [Member] | Mortgage Servicing Rights [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value inputs, discount rate	1.34%
Maximum [Member] | Additional Appraisal Adjustments [Member] | Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value inputs, discount rate	70.00%
Maximum [Member] | Additional Appraisal Adjustments [Member] | Other Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value inputs, discount rate	70.00%
Maximum [Member] | Estimated Selling Costs [Member] | Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value inputs, discount rate	20.00%
Maximum [Member] | Estimated Selling Costs [Member] | Other Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value inputs, discount rate	20.00%

Fair Value Measurements (Reconc

Fair Value Measurements (Reconciliation and Income Statement Classification of Gains and Losses) (Details) - Fair Value, Inputs, Level 3 [Member] - USD ($)	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Servicing Contracts [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Balance at beginning of period	$ 1,217,931	$ 1,398,396
Purchases, issuances, and settlements	90,009	134,324
Disposals - amortization based on loan payments and payoffs	(213,207)	(167,739)
Other changes in fair value	192,760	(147,050)
Balance at end of period	1,287,493	1,217,931
Securities (Assets) [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Balance at beginning of period	2,535,817	2,673,424
Purchases, issuances, and settlements	(72,253)	(139,400)
Other changes in fair value	(1,764)	1,793
Balance at end of period	$ 2,461,800	$ 2,535,817

Fair Value of Financial Instr36

Fair Value of Financial Instruments (Narrative) (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Commitments to Extend Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Other commitments	$ 90,028	$ 92,921

Fair Value of Financial Instr37

Fair Value of Financial Instruments (Carrying Amounts and Estimated Fair Values of Recognized Financial Instruments) (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Reported Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	$ 11,980	$ 32,355
Securities, including Federal Home Loan Bank stock	213,110	211,291
Certificates of deposit	2,490	2,490
Loans held for sale	108	229
Net loans	354,343	357,098
Mortgage servicing rights	1,287	1,218
Total Assets	583,318	604,681
Other borrowings	22,328
Junior subordinated deferrable interest debentures	12,755	12,739
Total liabilities	554,709	578,184
Portion at Fair Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities, including Federal Home Loan Bank stock	213,110	211,291
Total Assets	583,134	604,649
Total liabilities	553,799	577,406
Maturity Deposits [Member] | Reported Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Deposits estimated value	157,391	174,929
Non-Maturity Deposits [Member] | Reported Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Deposits estimated value	362,235	390,516
Fair Value, Inputs, Level 1 [Member] | Portion at Fair Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	11,980	32,355
Fair Value, Inputs, Level 1 [Member] | Non-Maturity Deposits [Member] | Portion at Fair Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Deposits estimated value	362,235	390,516
Fair Value, Inputs, Level 2 [Member] | Portion at Fair Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Certificates of deposit	2,490	2,490
Fair Value, Inputs, Level 3 [Member] | Portion at Fair Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for sale	108	229
Net loans	354,159	357,066
Mortgage servicing rights	1,287	1,218
Other borrowings	22,331
Junior subordinated deferrable interest debentures	12,721	12,627
Fair Value, Inputs, Level 3 [Member] | Maturity Deposits [Member] | Portion at Fair Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Deposits estimated value	$ 156,512	$ 174,263

Subsequent Events (Narrative) (

Subsequent Events (Narrative) (Details) - Jul. 23, 2015 - Subsequent Event [Member] - $ / shares	Total
Subsequent Event [Line Items]
Dividends, date declared	Jul. 23, 2015
Dividends payable (dollars per share)	$ 0.09
Dividends, date to be paid	Sep. 16, 2015
Dividends, date of record	Aug. 31, 2015