Mutualfirst Financial (MFSF) 10-Q 10 May 16 2016 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2016	May. 06, 2016
Document Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Mar. 31, 2016
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	Q1
Trading Symbol	mfsf
Entity Registrant Name	MUTUALFIRST FINANCIAL INC
Entity Central Index Key	1,094,810
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		7,467,543

Consolidated Condensed Balance

Consolidated Condensed Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Assets
Cash and due from banks	$ 8,791	$ 8,610
Interest-bearing demand deposits	21,921	12,305
Cash and cash equivalents	30,712	20,915
Interest-bearing deposits	980
Investment securities available for sale (carried at fair value)	266,171	261,138
Loans held for sale	5,886	5,991
Loans, net of allowance for loan losses of $12,670 and $12,641, at March 31, 2016 and December 31, 2015, respectively	1,074,221	1,068,204
Premises and equipment, net	31,786	31,048
Federal Home Loan Bank stock	10,482	10,482
Deferred tax asset, net	10,326	12,084
Cash value of life insurance	51,493	51,209
Goodwill	1,800	1,800
Other real estate owned and repossessed assets	2,352	2,456
Other assets	13,023	12,938
Total assets	1,499,232	1,478,265
Deposits
Noninterest-bearing	192,310	179,542
Interest-bearing	921,613	911,840
Total deposits	1,113,923	1,091,382
Federal Home Loan Bank advances	218,617	225,617
Other borrowings	9,279	9,458
Other liabilities	16,615	14,783
Total liabilities	$ 1,358,434	$ 1,341,240
Commitments and Contingencies
Stockholders' Equity
Common stock, $.01 par value Authorized - 20,000,000 shares Issued and outstanding - 7,459,543 and 7,422,061 shares at March 31, 2016 and December 31, 2015, respectively	$ 75	$ 74
Additional paid-in capital	77,660	77,363
Retained earnings	59,421	58,098
Accumulated other comprehensive income	3,642	1,490
Total stockholders' equity	140,798	137,025
Total liabilities and stockholders' equity	$ 1,499,232	$ 1,478,265

Consolidated Condensed Balance3

Consolidated Condensed Balance Sheets (Parenthetical) - USD ($)	Mar. 31, 2016	Dec. 31, 2015
Statement Of Financial Position [Abstract]
Allowance for loan losses	$ 12,670,000	$ 12,641,000
Common stock, par value	$ 0.01	$ 0.01
Common stock, Authorized	20,000,000	20,000,000
Common stock, shares Issued	7,459,543	7,422,061
Common stock, shares outstanding	7,459,543	7,422,061

Consolidated Condensed Statemen

Consolidated Condensed Statements of Income - USD ($)	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Interest and Dividend Income
Loans receivable	$ 11,220,000	$ 10,866,000
Investment securities	1,689,000	1,670,000
Federal Home Loan Bank stock	105,000	140,000
Deposits with financial institutions	20,000	7,000
Total interest and dividend income	13,034,000	12,683,000
Interest Expense
Deposits	1,285,000	1,372,000
Federal Home Loan Bank advances	895,000	665,000
Other	92,000	128,000
Total interest expense	2,272,000	2,165,000
Net Interest Income	10,762,000	10,518,000
Provision for loan losses	200,000
Net Interest Income After Provision for Loan Losses	10,562,000	10,518,000
Non-interest Income
Service fee income	1,374,000	1,358,000
Net realized gain on sales of available-for-sale securities	118,000	240,000
Commissions	1,100,000	1,121,000
Net gains on sales of loans	940,000	906,000
Net servicing fees	70,000	68,000
Increase in cash value of life insurance	284,000	288,000
Loss on sale of other real estate and repossessed assets	(29,000)	(82,000)
Other income	140,000	118,000
Total non-interest income	3,997,000	4,017,000
Non-interest Expenses
Salaries and employee benefits	6,491,000	6,530,000
Net occupancy expenses	646,000	603,000
Equipment expenses	487,000	453,000
Data processing fees	489,000	444,000
Advertising and promotion	427,000	333,000
ATM and debit card expenses	380,000	335,000
Deposit insurance	234,000	232,000
Professional fees	470,000	530,000
Software subscriptions and maintenance	480,000	427,000
Other real estate and repossessed assets	72,000	127,000
Other expenses	1,240,000	1,004,000
Total non-interest expenses	11,416,000	11,018,000
Income Before Income Tax	3,143,000	3,517,000
Income tax expense	778,000	1,036,000
Net Income Available to Common Shareholders	$ 2,365,000	$ 2,481,000
Earnings Per Common Share
Basic	$ 0.32	$ 0.34
Diluted	0.31	0.33
Dividends Per Common Share	$ 0.14	$ 0.12

Consolidated Condensed Stateme5

Consolidated Condensed Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Statement Of Income And Comprehensive Income [Abstract]
Net income	$ 2,365	$ 2,481
Other comprehensive income:
Net unrealized holding gain on securities available-for-sale	3,414	1,040
Reclassification adjustment for realized gains included in net income	(118)	(240)
Net unrealized gain (loss) on derivative used for cash flow hedges	(25)	15
Other comprehensive income, before tax, total	3,271	815
Income tax expense related to other comprehensive income	(1,119)	(280)
Other comprehensive income, net of tax	2,152	535
Comprehensive Income	$ 4,517	$ 3,016

Consolidated Condensed Stateme6

Consolidated Condensed Statement of Stockholders' Equity - 3 months ended Mar. 31, 2016 - USD ($) $ in Thousands	Common Stock [Member]	Paid-in Capital Common [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income [Member]	Total
Beginning Balance at Dec. 31, 2015	$ 74	$ 77,363	$ 58,098	$ 1,490	$ 137,025
Net income			2,365		2,365
Other comprehensive income, net of taxes				2,152	2,152
Stock repurchased		(761)			(761)
Stock options, exercised	1	886			887
Tax benefit on stock options		172			172
Cash dividends, common stock			(1,042)		(1,042)
Ending Balance at Mar. 31, 2016	$ 75	$ 77,660	$ 59,421	$ 3,642	$ 140,798

Consolidated Condensed Stateme7

Consolidated Condensed Statement of Stockholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Statement Of Stockholders Equity [Abstract]
Cash dividends, common stock, per share	$ 0.14	$ 0.12

Consolidated Condensed Stateme8

Consolidated Condensed Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Operating Activities
Net income	$ 2,365	$ 2,481
Items not requiring cash
Provision for loan losses	200
Depreciation and amortization	1,220	1,098
Deferred income tax	640	35
Loans originated for sale	(23,853)	(30,922)
Proceeds from sales of loans held for sale	24,826	27,110
Gain on sale of loans held for sale	(940)	(906)
Net gain on sale of securities, available for sale	(118)	(240)
Loss on sale of other real estate and repossessed assets	29	82
Change in
Interest receivable and other assets	(64)	350
Interest payable and other liabilities	1,762	1,358
Cash value of life insurance	(284)	(288)
Other adjustments	34	37
Net cash provided by operating activities	5,817	195
Investing Activities
Net change in interest-bearing time deposits	(980)
Purchases of securities
Available for sale	(13,577)	(21,510)
Proceeds from maturities and paydowns of securities
Available for sale	7,788	8,075
Proceeds from sales of securities - available for sale	3,883	7,539
Net change in loans	(6,948)	(7,425)
Purchases of premises and equipment	(1,188)	(527)
Proceeds from real estate owned sales	502	604
Other investing activities	65
Net cash used in investing activities	(10,455)	(13,244)
Net change in
Noninterest-bearing, interest-bearing demand and savings deposits	17,868	18,073
Certificates of deposit	4,673	(11,268)
Proceeds from FHLB advances	64,200	85,800
Repayments of FHLB advances	(71,200)	(90,700)
Repayments of other borrowings	(190)	(190)
Cash dividends	(1,042)	(885)
Stock options exercised	887	1,311
Stock repurchased	(761)
Net cash provided by financing activities	14,435	2,141
Net Change in Cash and Cash Equivalents	9,797	(10,908)
Cash and Cash Equivalents, Beginning of Period	20,915	29,575
Cash and Cash Equivalents, End of Period	30,712	18,667
Additional Cash Flows Information
Interest paid	2,223	2,141
Income tax paid		800
Transfers from loans to foreclosed real estate	303	266
Mortgage servicing rights capitalized	$ 72	$ 87

Basis of Presentation

Basis of Presentation	3 Months Ended
	Mar. 31, 2016
Basis of Presentation
Basis of Presentation	Note 1: Basis of Presentation  The consolidated condensed financial statements include the accounts of MutualFirst Financial, Inc. ( MutualFirst or the “Company”), its wholly owned subsidiaries, MFBC Statutory Trust, MutualFirst Risk Management, Inc., MutualFirst Risk Advisors, Inc., and MutualBank, an Indiana commercial bank (“Mutual” or the “Bank”), Mutual’s wholly owned subsidiaries, First MFSB Corporation, Mishawaka Financial Services, Summit Service Corp. and the wholly owned subsidiary of Summit Service Corp., Summit Mortgage Inc. (“Summit”), Mutual Federal Investment Company (“MFIC”), and MFIC majority owned subsidiary, Mutual Federal REIT, Inc. All significant inter-company accounts and transactions have been eliminated in consolidation. These companies conform to accounting principles generally accepted in the United States of America and reporting practices followed by the banking industry. The more significant of the policies are described below.  Certain information and note disclosures normally included in the Company’s annual financial statements prepared in accordance with generally accepted accounting principles have been condensed or omitted. These consolidated condensed financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company’s Form 10-K annual report for the year ended December 31, 2015, filed with the Securities and Exchange Commission on March 15, 2016.  The interim consolidated condensed financial statements at and for the three months ended March 31, 2016 and 2015, have not been audited by independent accountants, but in the opinion of management, reflect all adjustments (which include only normal recurring adjustments) necessary to present fairly the financial position, results of operations and cash flows for such periods. The results of operations for the period are not necessarily indicative of the results to be expected for the full year.  The Consolidated Condensed Balance Sheet of the Company as of December 31, 2015 has been derived from the Audited Consolidated Balance Sheet of the Company as of that date.

Earnings Per Share

Earnings Per Share	3 Months Ended
	Mar. 31, 2016
Earnings Per Share [Abstract]
Earnings Per Share	Note 2: Earnings Per Share Earnings per share were computed as follows:    Three Months Ended March 31,  2016 2015  Net Income Weighted- Average Shares Per-Share Amount Net Income Weighted- Average Shares Per-Share Amount  Basic Earnings Per Share  Net income $ 2,365 7,466,409 $ 0.32 $ 2,481 7,313,725 $ 0.34  Effect of Dilutive Securities  Stock options - 149,471 - 194,968  Diluted Earnings Per Share  Net income available and assumed conversions $ 2,365 7,615,880 $ 0.31 $ 2,481 7,508,693 $ 0.33  Options to purchase 37,161 shares of common stock were outstanding at March 31, 2016 and 2015, respectively , but were not included in the computation of diluted EPS because the options’ exercise price s w ere greater than the average market price of the common shares.

Impact of Accounting Pronouncem

Impact of Accounting Pronouncements	3 Months Ended
	Mar. 31, 2016
Impact of Accounting Pronouncements [Abstract]
Impact of Accounting Pronouncements	 Note 3: Impact of Accounting Pronouncements In March 2016, the Financial Accounting Standards Board (FASB), issued Accounting Standards Updated (ASU) 2016-09, Compensation–Stock Compensation: Improvements to Employee Share-Based Payment Accounting. The amendments are intended to improve the accounting for employee share-based payments and affect all organizations that issue share-based payment awards to their employees.  Several aspects of the accounting for share-based payment award transactions are simplified, including: (a) income tax consequences; (b) classification of awards as either equity or liabilities; and (c) classification on the statement of cash flows.  For public companies, the amendments are effective for annual periods beginning after December 15, 2016, and interim periods within those annual periods. Early adoption is permitted for any organization in any interim or annual period. The Company does not anticipate that this ASU will have a material effect on its financial position or results of operations.  In March 2016, the FASB issued ASU 2016-07, Investments - Equity Method and Joint Ventures: Simplifying the Transition to the Equity Method of Accounting. The amendments affect all entities that have an investment that becomes qualified for the equity method of accounting as a result of an increase in the level of ownership interest or degree of influence.  The amendments eliminate the requirement that when an investment qualifies for use of the equity method as a result of an increase in the level of ownership interest or degree of influence, an investor must adjust the investment, results of operations, and retained earnings retroactively on a step-by-step basis as if the equity method had been in effect during all previous periods that the investment had been held. The amendments require that the equity method investor add the cost of acquiring the additional interest in the investee to the current basis of the investor’s previously held interest and adopt the equity method of accounting as of the date the investment becomes qualified for equity method accounting. Therefore, upon qualifying for the equity method of accounting, no retroactive adjustment of the investment is required.  The amendments require that an entity that has an available-for-sale equity security that becomes qualified for the equity method of accounting recognize through earnings the unrealized holding gain or loss in accumulated other comprehensive income at the date the investment becomes qualified for use of the equity method.  The amendments are effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2016. The amendments should be applied prospectively upon their effective date to increases in the level of ownership interest or degree of influence that result in the adoption of the equity method. Earlier application is permitted. The Company does not anticipate that this ASU will have a material effect on its financial position or results of operations.  In March 2016, the FASB issued ASU 2016-06, Derivatives and Hedging: Contingent Put and Call Options in Debt Instruments . The amendments apply to all entities that are issuers of or investors in debt instruments (or hybrid financial instruments that are determined to have a debt host) with embedded call (put) options.  Derivatives and Hedging, requires that embedded derivatives be separated from the host contract and accounted for separately as derivatives if certain criteria are met. One of those criteria is that the economic characteristics and risks of the embedded derivatives are not clearly and closely related to the economic characteristics and risks of the host contract (the “clearly and closely related” criterion).  U.S. GAAP provides specific guidance for assessing whether call (put) options that can accelerate the repayment of principal on a debt instrument meet the clearly and closely related criterion. The guidance states that for contingent call (put) options to be considered clearly and closely related, they can be indexed only to interest rates or credit risk.  The amendments clarify what steps are required when assessing whether the economic characteristics and risks of call (put) options are clearly and closely related to the economic characteristics and risks of their debt hosts, which is one of the criteria for bifurcating an embedded derivative. Consequently, when a call (put) option is contingently exercisable, an entity does not have to assess whether the event that triggers the ability to exercise a call (put) option is related to interest rates or credit risks.  Public business entities must apply the new requirements for fiscal years beginning after December 15, 2016 and interim periods within those fiscal years. All entities have the option of adopting the new requirements early, including adoption in an interim period. If an entity early adopts the new requirements in an interim period, it must reflect any adjustments as of the beginning of the fiscal year that includes that interim period. The Company does not anticipate that this ASU will have a material effect on its financial position or results of operations.  In February 2016, the FASB issued ASU 2016-02, Leases. The objective of the amendment is to establish the principles that lessees and lessors shall apply to report useful information to users of financial statements about the amount, timing, and uncertainty of cash flows arising from a lease.  The most significant changes 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:  · A lease liability, which is a lessee’s obligation to make lease payments arising from a lease, measured on a discounted basis; and · 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.  The amendments in this updated are effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. The Company is currently evaluating what impact this pronouncement will have on its consolidated financial statements .  In January 2016, the FASB issued ASU 2016-01, Financial Instruments-Overall: Recognition and Measurement of Financial Assets and Financial Liabilities. The amendments in this Update require all equity investments to be measured at fair value with changes in the fair value recognized through net income (other than those accounted for under equity method of accounting or those that result in consolidation of the investee).  The amendments also require 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. In addition the amendments in this Update eliminate the requirement to disclose the fair value of financial instruments measured at amortized cost for entities that are not public business entities and the requirement for to disclose the method(s) 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 for public business entities.  The new guidance is effective for fiscal years beginning of December 15, 2017, including interim periods within those fiscal years. The Company does not anticipate that this ASU will have a material effect on its financial position or results of operations.  In December 2015, the FASB issued ASU 2015-16, Business Combinations, Simplifying the Accounting for Measurement-Period Adjustments. The objective of this Update was to simplify the accounting for adjustments made to provisional amounts recognized in a business combination. The amendments eliminate the requirement to retrospectively account for those adjustments.

Investment Securities

Investment Securities	3 Months Ended
	Mar. 31, 2016
Investment Securities [Abstract]
Investment Securities	Note 4: Investment Securities The amortized costs and approximate fair values, together with gross unrealized gains and losses on securities, are in the tables below. All mortgage-backed securities and collateralized mortgage obligations are guaranteed by government sponsored entities or government corporations.     March 31, 2016  Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Available for Sale Securities Mortgage-backed securities $ 104,097 $ 2,478 $ (16) $ 106,559 Collateralized mortgage obligations 82,835 1,225 (187) 83,873 Municipal obligations 60,731 3,510 (30) 64,211 Corporate obligations 12,806 45 (1,323) 11,528 Total investment securities $ 260,469 $ 7,258 $ (1,556) $ 266,171       December 31, 2015  Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Available for Sale Securities Mortgage-backed securities $ 106,524 $ 1,562 $ (248) $ 107,838 Collateralized mortgage obligations 84,976 537 (861) 84,652 Municipal obligations 54,427 2,781 (20) 57,188 Corporate obligations 12,805 1 (1,346) 11,460 Total investment securities $ 258,732 $ 4,881 $ (2,475) $ 261,138  The amortized cost and fair value of securities available for sale at March 31, 2016 , by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.      Available for Sale Description Securities Amortized Cost Fair Value Security obligations due Within one year $ - $ - One to five years 10,002 10,031 Five to ten years 3,099 3,364 After ten years 60,436 62,344  73,537 75,739 Mortgage-backed securities 104,097 106,559 Collateralized mortgage obligations 82,835 83,873 Totals $ 260,469 $ 266,171  Proceeds from sales of securities available for sale for the three months ended March 31, 2016 and 2015 w ere $3.9 mi l lion and $7.5 million, respectively . Gross gains of $118,000 compared to $240,000 for the three months ended March 31, 2016 and 2015, respectively, were recognized on those sales. There were no gross losses recognized on the sales of securities for the three months ended March 31, 2016 and 2015, respectively. All mortgage-backed securities and collateralized-mortgage obligations held by the Company as of March 31, 2016 were in government - sponsored or federal agency securities. Certain investments in debt securities are reported in the financial statements at an amount less than their historical cost. Total fair value of these investments at March 31, 2016 and December 31, 2015 was $ 24.9 million and $ 97.6 million, respectively, which wa s approximately 9.3 percent and 37.4 percent , respectively, of the Company’s investment portfolio at those dates. Based on our evaluation of available evidence, including recent changes in market interest rates, management believes the fair value for the securities at less than historical cost f or the periods presented, are temporary. Should the impairment of any of these securities become other than temporary, the cost basis of the investment will be reduced and the resulting loss recognized in net income in the period the other-than-temporary impairment is identified. During the first three months of 201 6 and 2015, the Bank determined that its security holdings had no other-than-temporary impairment. The following tables show the gross unrealized losses and fair value of the Company’s investments , aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at March 31, 2016 and December 31, 2015:     March 31, 2016  Less than 12 Months 12 Months or More Total  Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Available for Sale Mortgage-backed securities $ 1,390 $ (16) $ - $ - $ 1,390 $ (16) Collateralized mortgage obligations - - 13,223 (187) 13,223 (187) Municipal obligations 2,784 (29) 492 (1) 3,276 (30) Corporate obligations 4,449 (51) 2,534 (1,272) 6,983 (1,323) Total temporarily impaired securities $ 8,623 $ (96) $ 16,249 $ (1,460) $ 24,872 $ (1,556)       December 31, 2015  Less than 12 Months 12 Months or More Total  Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Available for Sale Mortgage-backed securities $ 38,649 $ (248) $ - $ - $ 38,649 $ (248) Collateralized mortgage obligations 27,457 (281) 21,271 (580) $ 48,728 $ (861) Municipal obligations 2,739 (17) 491 (3) 3,230 (20) Corporate obligations 4,425 (75) 2,534 (1,271) 6,959 (1,346) Total temporarily impaired securities $ 73,270 $ (621) $ 24,296 $ (1,854) $ 97,566 $ (2,475)  Mortgage-Backed Securities (MBS) and Collateralized Mortgage Obligations (CMO) The unrealized losses on the Company’s investment in MBSs and CMOs were caused by interest rate changes. The Company expects to recover the amortized cost basis over the term of the securities. Because (1) the decline in market value is attributable to changes in interest rates and not credit quality, (2) the Company does not intend to sell the investments and (3) it is more likely than not the Company will not be required to sell the investments before recovery of their amortized cost bases, which may be at maturity, the Company does not consider any of these investments to be other-than-temporarily impaired at March 31, 2016 .  Municipals  The increase in unrealized gains on the Company’s investments in securities of state and political subdivisions were caused by changes in interest rates. The contractual terms of those investments do not permit the issuer to settle the securities at a price less than the amortized cost basis of the investments. The Company does not intend to sell the investment and it is more likely than not that the Company will not be required to sell these investments before recovery of its new, lower amortized cost basis, which may be at maturity. The Corporation does not consider these investment securities to be other-than-temporarily impaired at March 31, 2016.  Corporate Obligations The Company’s unrealized loss es on investments in corporate obligations primarily relates to two investment s in pooled trust preferred securit ies . The unrealized losses were primarily caused by ( 1 ) a decrease in performance and regulatory capital resulting from exposure to subprime mortgages and ( 2 ) a sector downgrade by several industry analysts. The Company recognized loss es, in 2011 and earlier, equal to the credit loss es for these securities, establishing a new, lower amortized cost basis. The credit loss was calculated by comparing expected discounted cash flows based on performance indicators of the underlying assets in the security to the carrying value of the investment. Because the Company does not intend to sell these investment s and it is likely that the Company will not be required to sell the investments before recovery of its new, lower amortized cost basis, which may be at maturity, it does not consider the remainder of the se investments to be other-than-temporarily impaired at March 31, 2016 .  Other-Than-Temporary Impairment (OTTI) Upon acquisition of a security, the Company decides whether it is within the scope of the accounting guidance for beneficial interests in securitized financial assets or whether it will be evaluated for impairment under the accounting guidance for investments in debt and equity securities. The accounting guidance for beneficial interests in securitized financial assets provides incremental impairment guidance for a subset of the debt securities within the scope of the guidance for investments in debt and equity securities. For securities that are a beneficial interest in securitized financial assets, the Company uses the beneficial interests in securitized financial asset impairment model. For securities that are not a beneficial interest in securitized financial assets, the Company uses debt and equity securities impairment accounting model. The Company conducts periodic reviews to identify and evaluate each investment security to determine whether an other-than-temporary impairment has occurred. Economic models are used to determine whether an other-than-temporary impairment has occurred on these securities. While all securities are considered, the securities primarily impacted by other-than-temporary impairment testing are private-label mortgage-backed securities and trust preferred securities . MutualFirst Financial uses market-based yield indicators as a baseline for determining appropriate discount rates, and then adjusts the resulting discount rates on the basis of its credit and structural analysis of specific trust preferred securities. The primary focus is on the returns a fixed income investor would require in order to allocate capital on a risk adjusted basis. There is currently little demand for pooled trust preferred securities; however, the Company looks principally to market yields for stand-alone trust preferred securities issued by banks, thrifts and insurance companies for which there is an active and liquid market. The next step is to make a series of adjustments to reflect the differences that exist between these products (both credit and structural) and, most importantly, to reflect idiosyncratic credit performance differences (both actual and projected) between these products and the underlying collateral in the specific trust preferred security. Importantly, as part of the analysis described above, MutualFirst considers the fact that structured instruments frequently exhibit leverage not present in stand-alone instruments, and make s adjustments as necessary to reflect this additional risk.  Credit Losses Recognized on Investments  Certain debt securities have experienced fair value deterioration due to credit losses, as well as due to other market factors, but are not otherwise other-than-temporarily impaired. The following table s provide information about debt securities for which only a credit loss was recognized in income and other losses are recorded in other comprehensive income for the three months ended March 31, 2016 and 2015 .    Three Months Ended  March 31,  2016 2015 Credit losses on debt securities held Beginning of period $ 109 $ 109 Reductions related to actual losses incurred - - As of March 31, $ 109 $ 109    Pooled Trust Preferred Securities . The Company has invested in pooled trust preferred securities. At March 31, 2016, the current book balance of our pooled trust preferred securities was $3.8 million. The original par value of these securities was $4.0 million prior to the OTTI write-downs in 2011 and earlier. OTTI taken on trust preferred securities previously was the result of deterioration in the performance of the underlying collateral. The deterioration was the result of increased defaults and deferrals of dividend payments in that year, creating credit impairment along with weakening financial performance of performing collateral, increasing the risk of future deferrals of dividends and defaults. No additional OTTI was determined in the first quarter of 201 6 . All pooled trust preferred securities owned by the Company are exempt from the Volcker Rule.  The following table provides additional information related to the Company’s investment in pooled trust preferred securities as of March 31, 2016:   Deal Name Class Original Par Book Value Fair Value Unrealized loss Realized Losses YTD Lowest Current Rating Number of Banks / Insurance Cos. Currently Performing Total Number of Banks and Insurance Cos. In Issuance (Unique) Actual Deferrals/ Defaults (as a % of original collateral) Total Projected Defaults (as a % of performing collateral) (1) Excess subordination (after taking into account best estimate of future deferrals/ defaults) (2)  (Dollars in Thousands) Alesco Preferred Funding IX A1 $ 1,000 $ 915 $ 548 $ (367) $ - CCC- 43 50 6.75 % 10.68 % 54.87 % U.S. Capital Funding I B3 3,000 2,891 1,986 (905) - C 29 33 7.95 % 6.45 % 11.81 %  $ 4,000 $ 3,806 $ 2,534 $ (1,272) $ -       (1) A 10% recovery is applied to all projected defaults by depository institutions. A 15% recovery is applied to all projected defaults by insurance companies. No recovery is applied to current defaults. (2) Excess subordination represents the additional defaults in excess of both current and projected defaults that the CDO can absorb before the bond experiences any credit impairment. Excess subordinated percentage is calculated by (a) determining what percentage of defaults a deal can experience before the bond has credit impairment, and (b) subtracting from this default breakage percentage both total current and expected future default percentages.       

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income	3 Months Ended
	Mar. 31, 2016
Accumulated Other Comprehensive Income [Abstract]
Accumulated Other Comprehensive Income (Loss)	Note 5: Accumulated Other Comprehensive Income The components of accumulated other comprehensive income, included in stockholders’ equity, are as follows:     March 31, December 31,  2016 2015  Net unrealized gain on securities available-for-sale $ 6,607 $ 3,311  Net unrealized loss on securities available-for-sale for which a portion of an other-than-temporary impairment has been recognized in income (905) (905)  Net unrealized loss on derivative used for cash flow hedges (26) (1)  Net unrealized loss relating to defined benefit plan liability (32) (32)  5,644 2,373  Tax expense 2,002 883  Net of tax amount $ 3,642 $ 1,490   The following table presents the reclassification adjustments out of accumulated other comprehensive income that were included in net income in the Consolidated Statements of Income for the three months ended March 31, 2016 and 2015.      Amount Reclassified from Accumulated Other Comprehensive Income For the Three Months Ended  March 31,  Details about Accumulated Other Comprehensive Income Components 2016 2015 Affected Line Item in the Statements of Income  Unrealized gains on available-for-sale securities  Realized securities gains reclassified into income $ 118 $ 240 Other income - net realized gains on sale of available-for-sale securities  Related income tax expense (40) (82) Income tax expense   Total reclassifications for the period, net of tax $ 78 $ 158 

Fair Values of Financial Instru

Fair Values of Financial Instruments	3 Months Ended
	Mar. 31, 2016
Fair Values of Financial Instruments [Abstract]
Fair Values of Financial Instruments	 Note 6: Fair Values of Financial Instruments Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value measurements must maximize the use of observable inputs and minimize the use of unobservable inputs. There is a hierarchy of three levels of inputs that may be used to measure fair value: Level 1 Quoted prices in active markets for identical assets or liabilities Level 2 Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities Level 3 Unobservable inputs supported by little or no market activity and are significant to the fair value of the assets or liabilities Items Measured at Fair Value on a Recurring Basis Following is a description of the valuation methodologies and inputs used for instruments measured at fair value on a recurring basis and recognized in the accompanying comparative balance sheet, as well as the general classification of such instruments pursuant to the valuation hierarchy. Available-for-Sale Securities Where quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. The Company uses a third-party provider to provide market prices on its securities. Pooled trust preferred securities p rices are evaluated by a third party. Level 1 securities include marketable equity securities. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics or discounted cash flows. Level 2 securities include mortgage-backed, collateralized mortgage obligations, small business administration, marketable equity, municipal, federal agency and certain corporate obligation securities. In certain cases where Level 1 or Level 2 inputs are not available, securities are classified within Level 3 of the hierarchy and include certain corporate obligation securities. Third party vendors compile prices from various sources and may apply such techniques as matrix pricing to determine the value of identical or similar investment securities (Level 2). Matrix pricing is a mathematical technique widely used in the banking industry to value investment securities without relying exclusively on quoted prices for specific investment securities but rather relying on investment securities relationship to other benchmark quoted investment securities. Any investment security not valued based upon the methods above are considered Level 3. The following table presents the fair value measurements of assets measured on a recurring basis and level within the ASC 820 fair value hierarchy.     Fair Value Measurements Using  Fair Value Level 1 Level 2 Level 3  March 31, 2016  Mortgage-backed securities $ 106,559 $ - $ 106,559 $ -  Collateralized mortgage obligations 83,873 - 83,873 -  Municipal obligations 64,211 - 64,211 -  Corporate obligations 11,528 - 8,994 2,534  Available-for-sale securities $ 266,171 $ - $ 263,637 $ 2,534      Fair Value Measurements Using  Fair Value Level 1 Level 2 Level 3  December 31, 2015  Mortgage-backed securities $ 107,838 $ - $ 107,838 $ -  Collateralized mortgage obligations 84,652 - 84,652 -  Municipal obligations 57,188 - 57,188 -  Corporate obligations 11,460 - 8,926 2,534  Available-for-sale securities $ 261,138 $ - $ 258,604 $ 2,534  The following is a reconciliation of the beginning and ending balances for the three months ended March 31, 2016 and 2015 of recurring fair value measurements recognized in the accompanying balance sheet s using significant unobservable (Level 3) inputs:    Three Months Ended  March 31,  2016 2015  Beginning balance $ 2,534 $ 2,522  Total realized and unrealized gains (losses)  Included in net income - -  Included in other comprehensive income (loss) - -  Purchases, issuances and settlements - -  Ending balance $ 2,534 $ 2,522  Total gains or losses for the period included in net income attributable to the change in unrealized gains or losses related to assets still held at the reporting date $ 0 $ 0  Items Measured at Fair Value on a Non-Recurring Basis From time to time, certain assets may be recorded at fair value on a non-recurring basis. These non-recurring fair value adjustments typically are a result of the application of lower of cost or fair value accounting or a write-down occurring during the period. The following is a description of the valuation methodologies used for certain assets that are recorded at fair value. The following table presents the fair value measurement of assets measured on a nonrecurring basis and the level within the ASC 820 fair value hierarch y. Impaired Loans (Collateral Dependent) Loans for which it is probable that the Bank will not collect all principal and interest due according to contractual terms are measured for impairment. Allowable methods for determining the amount of impairment include estimating fair value using the fair value of the collateral for collateral dependent loans. If the impaired loan is identified as collateral dependent, then the fair value method of measuring the amount of impairment is utilized. This method requires obtaining a current independent appraisal of the collateral and applying a discount factor to the value. Impaired loans that are collateral dependent are classified within Level 3 of the fair value hierarchy when impairment is determined using the fair value method.    Fair Value Measurements Using  Fair Value Level 1 Level 2 Level 3  December 31, 2015  Impaired loans $ 676 $ - $ - $ 676  The following table presents quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements :      March 31, 2016 Fair Value Valuation Technique Unobservable Inputs Range  Trust Preferred Securities $ 2,534 Discounted cash flow Discount rate 7.0 - 8.0 %  Constant prepayment rate 2.0 %  Cumulative projected prepayments 40.0 %  Probability of default 1.7 - 1.8 %  Projected cures given deferral 0 - 15.0 %  Loss severity 33.8 - 40.2 %      December 31, 2015 Fair Value Valuation Technique Unobservable Inputs Range  Trust Preferred Securities $ 2,534 Discounted cash flow Discount rate 7.0 - 8.0 %  Constant prepayment rate 2.0 %  Cumulative projected prepayments 40.0 %  Probability of default 1.7 - 1.8 %  Projected cures given deferral 0 - 15.0 %  Loss severity 33.8 - 40.2 %  Impaired loans (collateral dependent) $ 676 Third party valuations Discount to reflect realizable value 20.0 - 50.0 %   The following methods and assumptions were used to estimate the fair value of all other financial instrument s recognized in the accompanying balance sheets at amounts other than fair value : Cash and Cash Equivalents - The fair value of cash and cash - equivalents approximates carrying value. Loans Held For Sale - Fair values are based on quoted market prices. Loans - The fair value for loans is estimated using discounted cash flow analyses using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality. FHLB Stock - Fair value of FHLB stock is based on the price at which it may be resold to the FHLB. Interest Receivable/Payable - The fair values of interest receivable/payable approximate carrying values. Deposits - The fair values of noninterest-bearing, interest-bearing demand and savings accounts are equal to the amount payable on demand at the balance sheet date. Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on such time deposits. FHLB Advances - The fair value of these borrowings is estimated using a discounted cash flow calculation, based on current rates for similar debt for periods comparable to the remaining terms to maturity of these advances. Other Borrowings - The fair value of these borrowings is estimated using discounted cash flow analyses using interest rates for similar financial instruments. Off-Balance Sheet Commitments - Commitments include commitments to purchase and originate mortgage loans, commitments to sell mortgage loans, and standby letters of credit and are generally of a short-term nature. The fair values of such commitments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties’ credit standing. The fair value of these instruments is insignificant. The estimated fair values of the Company’s financial instruments not carried at fair value in the consolidated balance sheets as of the dates noted below are as follows:     Fair Value Measurements Using  March 31, 2016 Carryi n g Amount Fair Value Level 1 Level 2 Level 3  Assets  Cash and cash equivalents $ 30,712 $ 30,712 $ 30,712 $ - $ -  Interest-bearing time deposits 980 980 980 - -  Loans held for sale 5,886 6,095 - 6,095 -  Loans, net 1,074,221 1,073,638 - - 1,073,638  FHLB stock 10,482 10,482 - 10,482 -  Interest receivable 3,962 3,962 - 3,962 -  Liabilities  Deposits 1,113,923 1,116,266 758,627 - 357,639  FHLB advances 218,617 220,523 - 220,523 -  Other borrowings 9,279 9,305 - 9,305 -  Interest payable 248 248 - 248 -     Fair Value Measurements Using  December 31, 2015 Carryi n g Amount Fair Value Level 1 Level 2 Level 3  Assets  Cash and cash equivalents $ 20,915 $ 20,915 $ 20,915 $ - $ -  Loans held for sale 5,991 6,058 - 6,058 -  Loans, net 1,068,204 1,056,357 - - 1,056,357  FHLB stock 10,482 10,482 - 10,482 -  Interest receivable 4,201 4,201 - 4,201 -  Liabilities  Deposits 1,091,382 1,090,975 740,759 - 350,216  FHLB advances 225,617 224,621 - 224,621 -  Other borrowings 9,458 9,459 - 9,459 -  Interest payable 199 199 - 199 - 

Loans and Allowance

Loans and Allowance	3 Months Ended
	Mar. 31, 2016
Loans and Allowance [Abstract]
Loans and Allowance	 Note 7: Loans and Allowance Classes of loans at March 31, 2016 and December 31, 2015 include:     March 31, December 31,  2016 2015  Real estate  Commercial $ 248,893 $ 236,895  Commercial construction and development 18,039 15,744  Consumer closed end first mortgage 487,389 491,451  Consumer open end and junior liens 70,911 70,990  825,232 815,080  Other loans  Consumer loans  Auto 15,506 15,480  Boat/RVs 126,810 123,621  Other 5,785 6,171  Commercial and industrial 118,275 123,043  266,376 268,315  Total loans 1,091,608 1,083,395  Undisbursed loans in process (9,644) (7,432)  Unamortized deferred loan costs, net 4,927 4,882  Allowance for loan losses (12,670) (12,641)  Net loans $ 1,074,221 $ 1,068,204   The risk characteristics of each loan portfolio segment are as follows: Commercial  Real estate These loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Commercial real estate lending typically involves higher loan principal amounts and the repayment of these loans is generally dependent on the successful operation of the property securing the loan or the business conducted on the property securing the loan. Commercial real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. The properties securing the Company’s commercial real estate portfolio are diverse in terms of type and geographic location. Management monitors and evaluates commercial real estate loans based on collateral, geography and risk grade criteria. As a general rule, the Company avoids financing single purpose projects unless other underwriting factors are present to help mitigate risk. In addition, management tracks the level of owner-occupied commercial real estate loans versus non-owner occupied loans. Construction and Development Construction loans are underwritten utilizing feasibility studies, independent appraisal reviews, sensitivity analyses of absorption and lease rates and financial analyses of the developers and property owners. Construction loans are generally based on estimates of costs and value associated with the complete project. These estimates may be inaccurate. Construction loans often involve the disbursement of substantial funds with repayment substantially dependent on the success of the ultimate project. Sources of repayment for these types of loans may be pre-committed permanent loans from approved long-term lenders, sales of developed property or an interim loan commitment from the Company until permanent financing is obtained. These loans are closely monitored by on-site inspections and are considered to have higher risks than other real estate loans due to their ultimate repayment being sensitive to interest rate changes, governmental regulation of real property, general economic conditions and the availability of long-term financing. Commercial and Industrial Commercial loans are primarily based on the identified cash flows of the borrower and secondarily on the underlying collateral provided by the borrower. The cash flows of borrowers, however, may not be as expected and the collateral securing these loans may fluctuate in value. Most commercial loans are secured by the assets being financed or other business assets such as accounts receivable or inventory and may incorporate a personal guarantee; however, some loans may be made on an unsecured basis. In the case of loans secured by accounts receivable, the availability of funds for the repayment of these loans may be substantially dependent on the ability of the borrower to collect amounts due from its customers. Consumer Real Estate and Other Consumer Loans With respect to residential loans that are secured by consumer closed end first mortgages and are primarily owner occupied, the Company generally establishes a maximum loan-to-value ratio and requires PMI if that ratio is exceeded. Consumer open end and junior lien loans are typically secured by a subordinate interest in 1-4 family residences, and other consumer loans are secured by consumer assets such as automobiles or recreational vehicles. Some consumer loans are unsecured such as small installment loans and certain lines of credit. Repayment of these loans is primarily dependent on the personal income of the borrowers, which can be impacted by economic conditions in their market areas such as unemployment levels. Repayment can also be impacted by changes in property values on residential properties. Risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers.  Nonaccrual Loans and Past Due Loans Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Loans are placed on non-accrual status when, in management ’ s opinion, the borrower may be unable to meet payment obligations as they become due, as well as when required by regulatory provisions, but never greater than 90 days past due.  All interest accrued but not collected for loans that are placed on nonaccrual status or charged off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured and generally only after six months of satisfactory performance.  Nonaccrual loans, segregated by class of loans, as of March 31, 2016 and December 31, 2015 are as follows:     March 31, December 31,  2016 2015  Real estate  Commercial $ 2,109 $ 2,356  Commercial construction and development 22 -  Consumer closed end first mortgage 3,180 3,592  Consumer open end and junior liens 635 783  Consumer loans  Auto 15 -  Boat/RVs 90 81  Other 20 67  Commercial and industrial 2 25  Total nonaccrual loans $ 6,073 $ 6,904   An age analysis of the Company’s past due loans, segregated by class of loans, as of March 31, 2016 and December 31, 2015 are as follows:     March 31, 2016  30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Current Total Loans Receivable Total Loans 90 Days or More Past Due and Accruing  Real estate  Commercial $ 725 $ 149 $ 1,968 $ 2,842 $ 246,051 $ 248,893 $ -  Commercial construction and development - - 2 2 18,037 18,039 -  Consumer closed end first mortgage 5,607 2,189 3,319 11,115 476,274 487,389 385  Consumer open end and junior liens 222 202 635 1,059 69,852 70,911 -  Consumer loans  Auto 53 3 15 71 15,435 15,506 -  Boat/RVs 534 101 77 712 126,098 126,810 -  Other 121 18 20 159 5,626 5,785 -  Commercial and industrial 50 36 - 86 118,189 118,275 -  Total $ 7,312 $ 2,698 $ 6,036 $ 16,046 $ 1,075,562 $ 1,091,608 $ 385       December 31, 2015  30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Current Total Loans Receivable Total Loans 90 Days or More Past Due and Accruing  Real estate  Commercial $ 922 $ 20 $ 2,212 $ 3,154 $ 233,741 $ 236,895 $ -  Commercial construction and development - - - - 15,744 15,744 -  Consumer closed end first mortgage 7,272 1,328 3,091 11,691 479,760 491,451 267  Consumer open end and junior liens 296 187 765 1,248 69,742 70,990 -  Consumer loans  Auto 89 - - 89 15,391 15,480 -  Boat/RVs 1,135 102 71 1,308 122,313 123,621 -  Other 89 14 62 165 6,006 6,171 -  Commercial and industrial 192 383 5 580 122,463 123,043 -  Total $ 9,995 $ 2,034 $ 6,206 $ 18,235 $ 1,065,160 $ 1,083,395 $ 267  Impaired Loans Loans are considered impaired in accordance with the impairment accounting guidance (ASC 310-10-35-16), when , based on current information and events, it is probable the Company will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include nonperforming loans but also include loans modified in troubled debt restructurings 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, forgiveness of principal, forbearance or other actions intended to maximize collection. Interest on impaired loans is recorded based on the performance of the loan. All interest received on impaired loans that are on nonaccrual status is accounted for on the cash-basis method until qualifying for return to accrual status . Interest is accrued per the contract for impaired loans that are performing. The following tables present impaired loans as of and for the three month periods ended March 31, 2016 and 2015 and the year ended December 31, 2015 . There were no loans with a specific valuation allowance as of March 31, 2015.     March 31, 2016  Recorded Balance Unpaid Principal Balance Specific Allowance Average Investment in Impaired Loans Interest Income Recognized  Loans without a specific valuation allowance  Real estate  Commercial $ 3,150 $ 3,150 $ - $ 3,172 $ 23  Commercial construction and development 859 859 - 934 12  Consumer closed end first mortgage 1,126 1,126 - 1,126 -  Consumer open end and junior liens 485 485 - 483 -  Commercial and industrial 208 208 - 212 -   Loans with a specific valuation allowance  Real estate  Commercial 517 517 100 596 -   Total  Real estate  Commercial $ 3,667 $ 3,667 $ 100 $ 3,768 $ 23  Commercial construction and development $ 859 $ 859 $ - $ 934 $ 12  Consumer closed end first mortgage $ 1,126 $ 1,126 $ - $ 1,126 $ -  Consumer open end and junior liens $ 485 $ 485 $ - $ 483 $ -  Commercial and industrial $ 208 $ 208 $ - $ 212 $ -   Total $ 6,345 $ 6,345 $ 100 $ 6,523 $ 35      December 31, 2015  Recorded Balance Unpaid Principal Balance Specific Allowance Average Investment in Impaired Loans Interest Income Recognized  Loans without a specific valuation allowance  Real estate  Commercial $ 3,608 $ 3,608 $ - $ 4,115 $ 172  Commercial construction and development 595 595 - 735 31  Consumer closed end first mortgage 1,126 1,126 - 1,131 -  Consumer open end and junior liens 481 481 - 381 -  Commercial and industrial 214 214 - 423 2   Loans with a specific valuation allowance  Real estate  Commercial 676 676 100 793 20   Total  Real estate  Commercial $ 4,284 $ 4,284 $ 100 $ 4,908 $ 192  Commercial construction and development $ 595 $ 595 $ - $ 735 $ 31  Consumer closed end first mortgage $ 1,126 $ 1,126 $ - $ 1,131 $ -  Consumer open end and junior liens $ 481 $ 481 $ - $ 381 $ -  Commercial and industrial $ 214 $ 214 $ - $ 423 $ 2   Total $ 6,700 $ 6,700 $ 100 $ 7,578 $ 225      March 31, 2015  Recorded Balance Unpaid Principal Balance Specific Allowance Average Investment in Impaired Loans Interest Income Recognized  Loans without a specific valuation allowance  Real estate  Commercial $ 5,225 $ 5,225 $ - $ 5,079 $ 56  Commercial construction and development 851 1,628 - 891 7  Consumer closed end first mortgage 1,138 1,138 - 1,138 -  Consumer open end and junior liens 476 476 - 238 -  Commercial and industrial 702 733 - 730 1   Total $ 8,392 $ 9,200 $ - $ 8,076 $ 64  The following information presents the credit risk profile of the Company’s loan portfolio based on rating category and payment activity as of March 31, 2016 . Commercial Loan Grades Definition of Loan Grades . Loan grades are numbered 1 through 8. Grades 1-4 are "pass" credits, grade 5 [ Special Mention ] loans are "criticized" assets, and grades 6 [Substandard], 7 [Doubtful] and 8 [Loss] are "classified" assets. The use and application of these grades by the Bank conform to the B ank's policy and regulatory definitions. Pass . Pass credits are loans in grades prime through fair. These are at least considered to be credits with acceptable risks and would be granted in the normal course of lending operations. Special Mention. Special mention credits have potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the credits or in the Bank ’s credit position at some future date. If weaknesses cannot be identified, classifying as special mention is not appropriate. Special mention credits are not adversely classified and do not expose the Bank to sufficient risk to warrant an adverse classification. No apparent loss of principal or interest is expected. Substandard. Substandard credits are inadequately protected by the current sound worth and paying capacity of the obligor or by the collateral pledged. Financial statements normally reveal some or all of the following: poor trends, lack of earnings and cash flow, excessive debt, lack of liquidity, and the absence of creditor protection. Credits so classified must have a well-defined weakness, or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Bank will sustain some loss i f the deficiencies are not corrected. Doubtful. A doubtful extension of credit has all the weaknesses inherent in a substandard asset with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The possibility of loss is extremely high, but because of certain important and reasonably specific pending factors that may work to the advantage and strengthening of the asset, its classification as an estimated loss is deferred until its more exact status may be determined. Pending factors include proposed merger, acquisition, or liquidation procedures, capital injection, perfecting liens on additional collateral, and refinancing plans. Doubtful classification for an entire credit should be avoided when collection of a specific portion appears highly probable with the adequately secured portion graded Substandard. Retail Loan Grades Pass. Pass credits are loans that are currently performing as agreed and are not troubled debt restructurings. Special Mention . Special mention credits have potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the credits or in the Bank’s credit position at some future date. If weaknesses cannot be identified, classifying as special mention is not appropriate. Special mention credits are not adversely classified and do not expose the Bank to sufficient risk to warrant an adverse classification. No apparent loss of principal or interest is expected. Substandard. Substandard credits are loans that have reason to be considered to have a weakness and placed on non-accrual. This would include all retail loans over 90 days and troubled debt restructurings.    March 31, 2016  Commercial Consumer  Pass Special Mention Substandard Doubtful Pass Special Mention Substandard Total  Real estate  Commercial $ 236,382 $ 6,995 $ 5,483 $ 33 $ 248,893  Commercial construction and development 16,060 1,095 884 - 18,039  Consumer closed end first mortgage $ 481,227 $ - $ 6,162 487,389  Consumer open end and junior liens 70,200 - 711 70,911   Other loans  Consumer loans  Auto 15,491 - 15 15,506  Boat/RVs 126,662 - 148 126,810  Other 5,760 - 25 5,785  Commercial and industrial 114,787 3,295 193 - 118,275  $ 367,229 $ 11,385 $ 6,560 $ 33 $ 699,340 $ - $ 7,061 $ 1,091,608       December 31, 2015  Commercial Consumer  Pass Special Mention Substandard Doubtful Pass Special Mention Substandard Total  Real estate  Commercial $ 226,439 $ 4,137 $ 6,319 $ - $ 236,895  Commercial construction and development 13,986 1,309 449 - 15,744  Consumer closed end first mortgage $ 484,658 $ - $ 6,793 491,451  Consumer open end and junior liens 70,086 - 904 70,990   Other loans  Consumer loans  Auto 15,480 - - 15,480  Boat/RVs 123,490 - 131 123,621  Other 6,097 - 74 6,171  Commercial and industrial 119,540 3,300 203 - 123,043  $ 359,965 $ 8,746 $ 6,971 $ - $ 699,811 $ - $ 7,902 $ 1,083,395  Allowance for Loan Losses .  We maintain an allowance for loan losses to absorb losses inherent in the loan portfolio. The allowance is based on ongoing, quarterly assessments of the estimated losses inherent in the loan portfolio. Our methodology for assessing the appropriateness of the allowance consists of several key elements, including the general allowance and specific allowances for identified problem loans and portfolio segments. In addition, the allowance incorporates the results of measuring impaired loans as provided in FASB ASC 310, Receivables. These accounting standards prescribe the measurement methods, income recognition and disclosures related to impaired loans. The general allowance is calculated by applying loss factors to outstanding loans based on the internal risk evaluation of such loans or pools of loans. Changes in risk evaluations of both performing and nonperforming loans affect the amount of the general allowance. Loss factors are based on our historical loss experience as well as on significant factors that, in management’s judgment, affect the collectability of the portfolio as of the evaluation date. The appropriateness of the allowance is reviewed by management based upon its evaluation of then-existing economic and business conditions affecting our key lending areas and other conditions, such as credit quality trends (including trends in non-performing loans expected to result from existing conditions), collateral values, loan volumes and concentrations, specific industry conditions within portfolio segments and recent loss experience in particular segments of the portfolio that existed as of the balance sheet date and the impact that such conditions were believed to have had on the collectability of the loan. Senior management reviews these conditions quarterly in discussions with our senior credit officers. To the extent that any of these conditions is evidenced by a specifically identifiable problem credit or portfolio segment as of the evaluation date, management’s estimate of the effect of such condition may be reflected as a specific allowance applicable to such credit or portfolio segment. Where any of these conditions is not evidenced by a specifically identifiable problem credit or portfolio segment as of the evaluation date, management’s evaluation of the loss related to this condition is reflected in the general allowance for loan losses. The evaluation of the inherent loss with respect to these conditions is subject to a higher degree of uncertainty because they are not identified with specific problem credits or portfolio segments. The allowance for loan losses is based on estimates of losses inherent in the loan portfolio. Actual losses can vary significantly from the estimated amounts. Our methodology as described permits adjustments to any loss factor used in the computation of the general allowance in the event that, in management’s judgment, significant factors which affect the collectability of the portfolio as of the evaluation date are not reflected in the loss factors. By assessing the probable incurred losses inherent in the loan portfolio on a quarterly basis, we are able to adjust specific and inherent loss estimates based upon any more recent information that has become available. The following table details activity in the allowance for loan losses by portfolio segment for the three month periods ended March 31, 2016 and 2015 , respectively. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other segments.     Three Months Ended March 31, 2016  Commercial Mortgage Consumer Total  Allowance for loan losses:  Balance, beginning of period $ 7,090 $ 2,683 $ 2,868 $ 12,641  Provision charged to expense 120 62 18 200  Losses charged off (4) (120) (138) (262)  Recoveries 2 4 85 91  Balance, end of period $ 7,208 $ 2,629 $ 2,833 $ 12,670        Three Months Ended March 31, 2015  Commercial Mortgage Consumer Total  Allowance for loan losses:  Balance, beginning of period $ 7,085 $ 3,471 $ 2,612 $ 13,168  Provision charged (credited) to expense (396) 188 208 -  Losses charged off - (93) (117) (210)  Recoveries 205 1 53 259  Balance, end of period $ 6,894 $ 3,567 $ 2,756 $ 13,217       The following tables provide a breakdown of the allowance for loans losses and loan portfolio balances by segment as of March 31, 2016 and December 31, 2015.     Three Months Ended March 31, 2016  Commercial Mortgage Consumer Total  Allowance balances  Individually evaluated for impairment $ 100 $ - $ - $ 100  Collectively evaluated for impairment 7,108 2,629 2,833 12,570  Total allowance for loan losses $ 7,208 $ 2,629 $ 2,833 $ 12,670  Loan balances  Individually evaluated for impairment $ 4,734 $ 1,126 $ 485 $ 6,345  Collectively evaluated for impairment 380,473 486,263 218,527 1,085,263  Gross loans $ 385,207 $ 487,389 $ 219,012 $ 1,091,608      Year Ended December 31, 2015  Commercial Mortgage Consumer Total  Allowance balances  Individually evaluated for impairment $ 100 $ - $ - $ 100  Collectively evaluated for impairment 6,990 2,683 2,868 12,541  Total allowance for loan losses $ 7,090 $ 2,683 $ 2,868 $ 12,641  Loan balances  Individually evaluated for impairment $ 5,093 $ 1,126 $ 481 $ 6,700  Collectively evaluated for impairment 370,589 490,325 215,781 1,076,695  Gross loans $ 375,682 $ 491,451 $ 216,262 $ 1,083,395    Management’s general practice is to proactively charge down loans individually evaluated for impairment to the fair value of the underlying collateral.  For all loan portfolio segments except consumer real estate and other consumer loans, the Company promptly charges-off loans, or portions thereof, when available information confirms that specific loans are uncollectible based on information that includes, but is not limited to, (1) the deteriorating financial condition of the borrower, (2) declining collateral values, and/or (3) legal action, including bankruptcy, that impairs the borrower’s ability to adequately meet its obligations. For impaired loans that are considered to be solely collateral dependent, a partial charge-off is recorded when a loss has been confirmed by an updated appraisal or other appropriate valuation of the collateral.  The Company charges-off consumer real estate and other consumer loans, or portions thereof, when the Company reasonably determines the amount of the loss. The Company adheres to timeframes established by applicable regulatory guidance which provides for the charge-down of 1-4 family first and junior lien mortgages to the net realizable value less costs to sell when the loan is 180 days past due, charge-off of unsecured open-end loans when the loan is 180 days past due, and charge-down to the net realizable value when other secured loans are 120 days past due. Loans at these respective delinquency thresholds for which the Company can clearly document that the loan is both well-secured and in the process of collection, such that collection will occur regardless of delinquency status, need not be charged-off.  Troubled Debt Restructurings Certain categories of impaired loans include loans that have been modified in a troubled debt restructuring ; that involves granting economic concessions to borrowers who have experienced financial difficulties. These concessions typically result from our loss mitigation activities and could include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance or other actions. Modifications of terms for our loans and their inclusion as troubled debt restructurings are based on individual facts and circumstances. When we modify loans in a troubled debt restructuring, we evaluate any possible impairment similar to other impaired loans based on the present value of expected future cash flows, discounted at the contractual interest rate of the original loan agreement, or we use the current fair value of the collateral, less selling costs for collateral dependent loans. If we determine 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), impairment is recognized through a specific reserve or a charge-off to the allowance. Loans retain their accrual status at the time of their modification. As a result, if a loan is on nonaccrual at the time it is modified, it stays as nonaccrual until a period of satisfactory performance, generally six months, is obtained. If a loan is on accrual at the time of the modification, the loan is evaluated to determine if the collection of principal and interest is reasonably assured and generally stays on accrual. At March 31, 2016 , the Company had a number of loans that were modified in troubled debt restructurings. The modification of terms of such loans included one or a combination of the following: an extension of maturity, a reduction of the stated interest rate or a permanent reduction of the recorded investment in the loan. The following tables describe troubled debts restructured during the three month periods ended March 31, 2016 and 2015:     Three Months Ended March 31, 2016 Three Months Ended March 31, 2015  No. of Loans Pre-Modification Recorded Balance Post-Modification Recorded Balance No. of Loans Pre-Modification Recorded Balance Post-Modification Recorded Balance  Real estate  Commercial - $ - $ - 2 $ 1,172 $ 1,170  Construction and development - - - 1 155 134  Consumer closed end first mortgage 5 419 428 3 156 154   Other loans  Consumer loans  Auto 1 4 4 - - -  Boat/RVs 2 48 48 - - -  Commercial and industrial 1 83 83 1 88 83   The impact on the allowance for loan losses was insignificant as a result of these modifications. Newly restructured loans by type for the three months ended March 31, 2016 and 2015 are as follows:    Three Months Ended March 31, 2016  Rate Term Combination Total Modification  Real Estate  Consumer closed end first mortgage $ - $ - $ 428 $ 428   Other loans  Consumer loans  Auto - - 4 4  Boat/RVs - 48 - 48  Commercial and industrial - 83 - 83     Three Months Ended March 31, 2015  Rate Term Combination Total Modification  Real Estate  Commercial $ - $ 1,170 $ - $ 1,170  Com m ercial construction and development - - 134 134  Consumer closed end first mortgage - - 154 154   Other loans  Commercial and industrial - - 83 83   There were no defaults on loans modified as troubled debt restructurings made in the three months ended March 31, 2016 or 2015. Defaults are defined as any loans that become 90 days past due . At March 31, 2016 , the Company held residential real estate held for sale as a result of foreclosure totaling $ 712 ,000 and real estate in the process of foreclosure of $1. 9 million.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	3 Months Ended
	Mar. 31, 2016
Earnings Per Share [Abstract]
Schedule of Earnings Per Share	 Earnings per share were computed as follows:    Three Months Ended March 31,  2016 2015  Net Income Weighted- Average Shares Per-Share Amount Net Income Weighted- Average Shares Per-Share Amount  Basic Earnings Per Share  Net income $ 2,365 7,466,409 $ 0.32 $ 2,481 7,313,725 $ 0.34  Effect of Dilutive Securities  Stock options - 149,471 - 194,968  Diluted Earnings Per Share  Net income available and assumed conversions $ 2,365 7,615,880 $ 0.31 $ 2,481 7,508,693 $ 0.33 

Investment Securities (Tables)

Investment Securities (Tables)	3 Months Ended
	Mar. 31, 2016
Investment Securities [Abstract]
Amortized Cost and Fair Values of Securities	The amortized costs and approximate fair values, together with gross unrealized gains and losses on securities, are in the tables below. All mortgage-backed securities and collateralized mortgage obligations are guaranteed by government sponsored entities or government corporations.     March 31, 2016  Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value  Available for Sale Securities  Mortgage-backed securities $ 104,097 $ 2,478 $ (16) $ 106,559  Collateralized mortgage obligations 82,835 1,225 (187) 83,873  Municipal obligations 60,731 3,510 (30) 64,211  Corporate obligations 12,806 45 (1,323) 11,528  Total investment securities $ 260,469 $ 7,258 $ (1,556) $ 266,171       December 31, 2015  Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value  Available for Sale Securities  Mortgage-backed securities $ 106,524 $ 1,562 $ (248) $ 107,838  Collateralized mortgage obligations 84,976 537 (861) 84,652  Municipal obligations 54,427 2,781 (20) 57,188  Corporate obligations 12,805 1 (1,346) 11,460  Total investment securities $ 258,732 $ 4,881 $ (2,475) $ 261,138 
Amortized Cost and Fair Value of Available for Sale Securities by Contractual Maturity	   Available for Sale  Description Securities Amortized Cost Fair Value  Security obligations due  Within one year $ - $ -  One to five years 10,002 10,031  Five to ten years 3,099 3,364  After ten years 60,436 62,344  73,537 75,739  Mortgage-backed securities 104,097 106,559  Collateralized mortgage obligations 82,835 83,873  Totals $ 260,469 $ 266,171 
Investments Gross Unrealized Losses and Fair Value in Continuous Unrealized Loss Position	The following tables show the gross unrealized losses and fair value of the Company’s investments , aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at March 31, 2016 and December 31, 2015:     March 31, 2016  Less than 12 Months 12 Months or More Total  Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses  Available for Sale  Mortgage-backed securities $ 1,390 $ (16) $ - $ - $ 1,390 $ (16)  Collateralized mortgage obligations - - 13,223 (187) 13,223 (187)  Municipal obligations 2,784 (29) 492 (1) 3,276 (30)  Corporate obligations 4,449 (51) 2,534 (1,272) 6,983 (1,323)  Total temporarily impaired securities $ 8,623 $ (96) $ 16,249 $ (1,460) $ 24,872 $ (1,556)       December 31, 2015  Less than 12 Months 12 Months or More Total  Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses  Available for Sale  Mortgage-backed securities $ 38,649 $ (248) $ - $ - $ 38,649 $ (248)  Collateralized mortgage obligations 27,457 (281) 21,271 (580) $ 48,728 $ (861)  Municipal obligations 2,739 (17) 491 (3) 3,230 (20)  Corporate obligations 4,425 (75) 2,534 (1,271) 6,959 (1,346)  Total temporarily impaired securities $ 73,270 $ (621) $ 24,296 $ (1,854) $ 97,566 $ (2,475) 
Debt Securities for which Credit Loss was Recognized in Income and Other Losses Recorded in Other Comprehensive Income	The following table s provide information about debt securities for which only a credit loss was recognized in income and other losses are recorded in other comprehensive income for the three months ended March 31, 2016 and 2015 .    Three Months Ended  March 31,  2016 2015  Credit losses on debt securities held  Beginning of period $ 109 $ 109  Reductions related to actual losses incurred - -  As of March 31, $ 109 $ 109 
Pooled Trust Preferred Collateralized Debt Obligations	The following table provides additional information related to the Company’s investment in pooled trust preferred securities as of March 31, 2016:    Deal Name Class Original Par Book Value Fair Value Unrealized loss Realized Losses YTD Lowest Current Rating Number of Banks / Insurance Cos. Currently Performing Total Number of Banks and Insurance Cos. In Issuance (Unique) Actual Deferrals/ Defaults (as a % of original collateral) Total Projected Defaults (as a % of performing collateral) (1) Excess subordination (after taking into account best estimate of future deferrals/ defaults) (2)  (Dollars in Thousands)  Alesco Preferred Funding IX A1 $ 1,000 $ 915 $ 548 $ (367) $ - CCC- 43 50 6.75 % 10.68 % 54.87 %  U.S. Capital Funding I B3 3,000 2,891 1,986 (905) - C 29 33 7.95 % 6.45 % 11.81 %  $ 4,000 $ 3,806 $ 2,534 $ (1,272) $ -       (1) A 10% recovery is applied to all projected defaults by depository institutions. A 15% recovery is applied to all projected defaults by insurance companies. No recovery is applied to current defaults. (2) Excess subordination represents the additional defaults in excess of both current and projected defaults that the CDO can absorb before the bond experiences any credit impairment. Excess subordinated percentage is calculated by (a) determining what percentage of defaults a deal can experience before the bond has credit impairment, and (b) subtracting from this default breakage percentage both total current and expected future default percentages.

Accumulated Other Comprehensi18

Accumulated Other Comprehensive Income (Tables)	3 Months Ended
	Mar. 31, 2016
Accumulated Other Comprehensive Income [Abstract]
Components of Accumulated Other Comprehensive Income	The components of accumulated other comprehensive income, included in stockholders’ equity, are as follows:     March 31, December 31,  2016 2015  Net unrealized gain on securities available-for-sale $ 6,607 $ 3,311  Net unrealized loss on securities available-for-sale for which a portion of an other-than-temporary impairment has been recognized in income (905) (905)  Net unrealized loss on derivative used for cash flow hedges (26) (1)  Net unrealized loss relating to defined benefit plan liability (32) (32)  5,644 2,373  Tax expense 2,002 883  Net of tax amount $ 3,642 $ 1,490 
Reclassification out of Accumulated Other Comprehensive Income (Loss)	The following table presents the reclassification adjustments out of accumulated other comprehensive income that were included in net income in the Consolidated Statements of Income for the three months ended March 31, 2016 and 2015.      Amount Reclassified from Accumulated Other Comprehensive Income For the Three Months Ended  March 31,  Details about Accumulated Other Comprehensive Income Components 2016 2015 Affected Line Item in the Statements of Income  Unrealized gains on available-for-sale securities  Realized securities gains reclassified into income $ 118 $ 240 Other income - net realized gains on sale of available-for-sale securities  Related income tax expense (40) (82) Income tax expense   Total reclassifications for the period, net of tax $ 78 $ 158 

Fair Values of Financial Inst19

Fair Values of Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2016
Fair Values of Financial Instruments [Abstract]
Fair Value Measurements of Assets Measured at Fair Value on Recurring Basis	The following table presents the fair value measurements of assets measured on a recurring basis and level within the ASC 820 fair value hierarchy.     Fair Value Measurements Using  Fair Value Level 1 Level 2 Level 3  March 31, 2016  Mortgage-backed securities $ 106,559 $ - $ 106,559 $ -  Collateralized mortgage obligations 83,873 - 83,873 -  Municipal obligations 64,211 - 64,211 -  Corporate obligations 11,528 - 8,994 2,534  Available-for-sale securities $ 266,171 $ - $ 263,637 $ 2,534      Fair Value Measurements Using  Fair Value Level 1 Level 2 Level 3  December 31, 2015  Mortgage-backed securities $ 107,838 $ - $ 107,838 $ -  Collateralized mortgage obligations 84,652 - 84,652 -  Municipal obligations 57,188 - 57,188 -  Corporate obligations 11,460 - 8,926 2,534  Available-for-sale securities $ 261,138 $ - $ 258,604 $ 2,534 
Reconciliation of Recurring Fair Value Measurements Recognized in Balance Sheet using Significant Unobservable (Level Three) Inputs	The following is a reconciliation of the beginning and ending balances for the three months ended March 31, 2016 and 2015 of recurring fair value measurements recognized in the accompanying balance sheet s using significant unobservable (Level 3) inputs:    Three Months Ended  March 31,  2016 2015  Beginning balance $ 2,534 $ 2,522  Total realized and unrealized gains (losses)  Included in net income - -  Included in other comprehensive income (loss) - -  Purchases, issuances and settlements - -  Ending balance $ 2,534 $ 2,522  Total gains or losses for the period included in net income attributable to the change in unrealized gains or losses related to assets still held at the reporting date $ 0 $ 0 
Fair Value Measurement of Assets Measured at Fair Value on Nonrecurring Basis	The following table presents the fair value measurement of assets measured on a nonrecurring basis and the level within the ASC 820 fair value hierarch y. Impaired Loans (Collateral Dependent) Loans for which it is probable that the Bank will not collect all principal and interest due according to contractual terms are measured for impairment. Allowable methods for determining the amount of impairment include estimating fair value using the fair value of the collateral for collateral dependent loans. If the impaired loan is identified as collateral dependent, then the fair value method of measuring the amount of impairment is utilized. This method requires obtaining a current independent appraisal of the collateral and applying a discount factor to the value. Impaired loans that are collateral dependent are classified within Level 3 of the fair value hierarchy when impairment is determined using the fair value method.    Fair Value Measurements Using  Fair Value Level 1 Level 2 Level 3  December 31, 2015  Impaired loans $ 676 $ - $ - $ 676 
Quantitative Information about Unobservable Inputs used in Recurring and Nonrecurring Level Three Fair Value Measurements	The following table presents quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements :      March 31, 2016 Fair Value Valuation Technique Unobservable Inputs Range  Trust Preferred Securities $ 2,534 Discounted cash flow Discount rate 7.0 - 8.0 %  Constant prepayment rate 2.0 %  Cumulative projected prepayments 40.0 %  Probability of default 1.7 - 1.8 %  Projected cures given deferral 0 - 15.0 %  Loss severity 33.8 - 40.2 %      December 31, 2015 Fair Value Valuation Technique Unobservable Inputs Range  Trust Preferred Securities $ 2,534 Discounted cash flow Discount rate 7.0 - 8.0 %  Constant prepayment rate 2.0 %  Cumulative projected prepayments 40.0 %  Probability of default 1.7 - 1.8 %  Projected cures given deferral 0 - 15.0 %  Loss severity 33.8 - 40.2 %  Impaired loans (collateral dependent) $ 676 Third party valuations Discount to reflect realizable value 20.0 - 50.0 % 
Estimated Fair Values of Financial Instruments	The estimated fair values of the Company’s financial instruments not carried at fair value in the consolidated balance sheets as of the dates noted below are as follows:     Fair Value Measurements Using  March 31, 2016 Carryi n g Amount Fair Value Level 1 Level 2 Level 3  Assets  Cash and cash equivalents $ 30,712 $ 30,712 $ 30,712 $ - $ -  Interest-bearing time deposits 980 980 980 - -  Loans held for sale 5,886 6,095 - 6,095 -  Loans, net 1,074,221 1,073,638 - - 1,073,638  FHLB stock 10,482 10,482 - 10,482 -  Interest receivable 3,962 3,962 - 3,962 -  Liabilities  Deposits 1,113,923 1,116,266 758,627 - 357,639  FHLB advances 218,617 220,523 - 220,523 -  Other borrowings 9,279 9,305 - 9,305 -  Interest payable 248 248 - 248 -     Fair Value Measurements Using  December 31, 2015 Carryi n g Amount Fair Value Level 1 Level 2 Level 3  Assets  Cash and cash equivalents $ 20,915 $ 20,915 $ 20,915 $ - $ -  Loans held for sale 5,991 6,058 - 6,058 -  Loans, net 1,068,204 1,056,357 - - 1,056,357  FHLB stock 10,482 10,482 - 10,482 -  Interest receivable 4,201 4,201 - 4,201 -  Liabilities  Deposits 1,091,382 1,090,975 740,759 - 350,216  FHLB advances 225,617 224,621 - 224,621 -  Other borrowings 9,458 9,459 - 9,459 -  Interest payable 199 199 - 199 - 

Loans and Allowance (Tables)

Loans and Allowance (Tables)	3 Months Ended
	Mar. 31, 2016
Loans and Allowance [Abstract]
Schedule of Classes of Loans	Classes of loans at March 31, 2016 and December 31, 2015 include:     March 31, December 31,  2016 2015  Real estate  Commercial $ 248,893 $ 236,895  Commercial construction and development 18,039 15,744  Consumer closed end first mortgage 487,389 491,451  Consumer open end and junior liens 70,911 70,990  825,232 815,080  Other loans  Consumer loans  Auto 15,506 15,480  Boat/RVs 126,810 123,621  Other 5,785 6,171  Commercial and industrial 118,275 123,043  266,376 268,315  Total loans 1,091,608 1,083,395  Undisbursed loans in process (9,644) (7,432)  Unamortized deferred loan costs, net 4,927 4,882  Allowance for loan losses (12,670) (12,641)  Net loans $ 1,074,221 $ 1,068,204 
Non-Accrual Loans Segregated by Class of Loans	 Nonaccrual loans, segregated by class of loans, as of March 31, 2016 and December 31, 2015 are as follows:     March 31, December 31,  2016 2015  Real estate  Commercial $ 2,109 $ 2,356  Commercial construction and development 22 -  Consumer closed end first mortgage 3,180 3,592  Consumer open end and junior liens 635 783  Consumer loans  Auto 15 -  Boat/RVs 90 81  Other 20 67  Commercial and industrial 2 25  Total nonaccrual loans $ 6,073 $ 6,904 
Age Analysis of Past Due Loans Segregated by Class of Loans	 An age analysis of the Company’s past due loans, segregated by class of loans, as of March 31, 2016 and December 31, 2015 are as follows:     March 31, 2016  30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Current Total Loans Receivable Total Loans 90 Days or More Past Due and Accruing  Real estate  Commercial $ 725 $ 149 $ 1,968 $ 2,842 $ 246,051 $ 248,893 $ -  Commercial construction and development - - 2 2 18,037 18,039 -  Consumer closed end first mortgage 5,607 2,189 3,319 11,115 476,274 487,389 385  Consumer open end and junior liens 222 202 635 1,059 69,852 70,911 -  Consumer loans  Auto 53 3 15 71 15,435 15,506 -  Boat/RVs 534 101 77 712 126,098 126,810 -  Other 121 18 20 159 5,626 5,785 -  Commercial and industrial 50 36 - 86 118,189 118,275 -  Total $ 7,312 $ 2,698 $ 6,036 $ 16,046 $ 1,075,562 $ 1,091,608 $ 385       December 31, 2015  30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Current Total Loans Receivable Total Loans 90 Days or More Past Due and Accruing  Real estate  Commercial $ 922 $ 20 $ 2,212 $ 3,154 $ 233,741 $ 236,895 $ -  Commercial construction and development - - - - 15,744 15,744 -  Consumer closed end first mortgage 7,272 1,328 3,091 11,691 479,760 491,451 267  Consumer open end and junior liens 296 187 765 1,248 69,742 70,990 -  Consumer loans  Auto 89 - - 89 15,391 15,480 -  Boat/RVs 1,135 102 71 1,308 122,313 123,621 -  Other 89 14 62 165 6,006 6,171 -  Commercial and industrial 192 383 5 580 122,463 123,043 -  Total $ 9,995 $ 2,034 $ 6,206 $ 18,235 $ 1,065,160 $ 1,083,395 $ 267 
Impaired Loans	The following tables present impaired loans as of and for the three month periods ended March 31, 2016 and 2015 and the year ended December 31, 2015 . There were no loans with a specific valuation allowance as of March 31, 2015.     March 31, 2016  Recorded Balance Unpaid Principal Balance Specific Allowance Average Investment in Impaired Loans Interest Income Recognized  Loans without a specific valuation allowance  Real estate  Commercial $ 3,150 $ 3,150 $ - $ 3,172 $ 23  Commercial construction and development 859 859 - 934 12  Consumer closed end first mortgage 1,126 1,126 - 1,126 -  Consumer open end and junior liens 485 485 - 483 -  Commercial and industrial 208 208 - 212 -   Loans with a specific valuation allowance  Real estate  Commercial 517 517 100 596 -   Total  Real estate  Commercial $ 3,667 $ 3,667 $ 100 $ 3,768 $ 23  Commercial construction and development $ 859 $ 859 $ - $ 934 $ 12  Consumer closed end first mortgage $ 1,126 $ 1,126 $ - $ 1,126 $ -  Consumer open end and junior liens $ 485 $ 485 $ - $ 483 $ -  Commercial and industrial $ 208 $ 208 $ - $ 212 $ -   Total $ 6,345 $ 6,345 $ 100 $ 6,523 $ 35      December 31, 2015  Recorded Balance Unpaid Principal Balance Specific Allowance Average Investment in Impaired Loans Interest Income Recognized  Loans without a specific valuation allowance  Real estate  Commercial $ 3,608 $ 3,608 $ - $ 4,115 $ 172  Commercial construction and development 595 595 - 735 31  Consumer closed end first mortgage 1,126 1,126 - 1,131 -  Consumer open end and junior liens 481 481 - 381 -  Commercial and industrial 214 214 - 423 2   Loans with a specific valuation allowance  Real estate  Commercial 676 676 100 793 20   Total  Real estate  Commercial $ 4,284 $ 4,284 $ 100 $ 4,908 $ 192  Commercial construction and development $ 595 $ 595 $ - $ 735 $ 31  Consumer closed end first mortgage $ 1,126 $ 1,126 $ - $ 1,131 $ -  Consumer open end and junior liens $ 481 $ 481 $ - $ 381 $ -  Commercial and industrial $ 214 $ 214 $ - $ 423 $ 2   Total $ 6,700 $ 6,700 $ 100 $ 7,578 $ 225      March 31, 2015  Recorded Balance Unpaid Principal Balance Specific Allowance Average Investment in Impaired Loans Interest Income Recognized  Loans without a specific valuation allowance  Real estate  Commercial $ 5,225 $ 5,225 $ - $ 5,079 $ 56  Commercial construction and development 851 1,628 - 891 7  Consumer closed end first mortgage 1,138 1,138 - 1,138 -  Consumer open end and junior liens 476 476 - 238 -  Commercial and industrial 702 733 - 730 1   Total $ 8,392 $ 9,200 $ - $ 8,076 $ 64 
Commercial and Retail Credit Exposure Credit Risk Profile by Internal Rating	   March 31, 2016  Commercial Consumer  Pass Special Mention Substandard Doubtful Pass Special Mention Substandard Total  Real estate  Commercial $ 236,382 $ 6,995 $ 5,483 $ 33 $ 248,893  Commercial construction and development 16,060 1,095 884 - 18,039  Consumer closed end first mortgage $ 481,227 $ - $ 6,162 487,389  Consumer open end and junior liens 70,200 - 711 70,911   Other loans  Consumer loans  Auto 15,491 - 15 15,506  Boat/RVs 126,662 - 148 126,810  Other 5,760 - 25 5,785  Commercial and industrial 114,787 3,295 193 - 118,275  $ 367,229 $ 11,385 $ 6,560 $ 33 $ 699,340 $ - $ 7,061 $ 1,091,608       December 31, 2015  Commercial Consumer  Pass Special Mention Substandard Doubtful Pass Special Mention Substandard Total  Real estate  Commercial $ 226,439 $ 4,137 $ 6,319 $ - $ 236,895  Commercial construction and development 13,986 1,309 449 - 15,744  Consumer closed end first mortgage $ 484,658 $ - $ 6,793 491,451  Consumer open end and junior liens 70,086 - 904 70,990   Other loans  Consumer loans  Auto 15,480 - - 15,480  Boat/RVs 123,490 - 131 123,621  Other 6,097 - 74 6,171  Commercial and industrial 119,540 3,300 203 - 123,043  $ 359,965 $ 8,746 $ 6,971 $ - $ 699,811 $ - $ 7,902 $ 1,083,395 
Activity in Allowance for Loan Losses by Portfolio Segment	The following table details activity in the allowance for loan losses by portfolio segment for the three month periods ended March 31, 2016 and 2015 , respectively. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other segments.     Three Months Ended March 31, 2016  Commercial Mortgage Consumer Total  Allowance for loan losses:  Balance, beginning of period $ 7,090 $ 2,683 $ 2,868 $ 12,641  Provision charged to expense 120 62 18 200  Losses charged off (4) (120) (138) (262)  Recoveries 2 4 85 91  Balance, end of period $ 7,208 $ 2,629 $ 2,833 $ 12,670        Three Months Ended March 31, 2015  Commercial Mortgage Consumer Total  Allowance for loan losses:  Balance, beginning of period $ 7,085 $ 3,471 $ 2,612 $ 13,168  Provision charged (credited) to expense (396) 188 208 -  Losses charged off - (93) (117) (210)  Recoveries 205 1 53 259  Balance, end of period $ 6,894 $ 3,567 $ 2,756 $ 13,217       The following tables provide a breakdown of the allowance for loans losses and loan portfolio balances by segment as of March 31, 2016 and December 31, 2015.     Three Months Ended March 31, 2016  Commercial Mortgage Consumer Total  Allowance balances  Individually evaluated for impairment $ 100 $ - $ - $ 100  Collectively evaluated for impairment 7,108 2,629 2,833 12,570  Total allowance for loan losses $ 7,208 $ 2,629 $ 2,833 $ 12,670  Loan balances  Individually evaluated for impairment $ 4,734 $ 1,126 $ 485 $ 6,345  Collectively evaluated for impairment 380,473 486,263 218,527 1,085,263  Gross loans $ 385,207 $ 487,389 $ 219,012 $ 1,091,608      Year Ended December 31, 2015  Commercial Mortgage Consumer Total  Allowance balances  Individually evaluated for impairment $ 100 $ - $ - $ 100  Collectively evaluated for impairment 6,990 2,683 2,868 12,541  Total allowance for loan losses $ 7,090 $ 2,683 $ 2,868 $ 12,641  Loan balances  Individually evaluated for impairment $ 5,093 $ 1,126 $ 481 $ 6,700  Collectively evaluated for impairment 370,589 490,325 215,781 1,076,695  Gross loans $ 375,682 $ 491,451 $ 216,262 $ 1,083,395 
Troubled Debts Restructured	The following tables describe troubled debts restructured during the three month periods ended March 31, 2016 and 2015:     Three Months Ended March 31, 2016 Three Months Ended March 31, 2015  No. of Loans Pre-Modification Recorded Balance Post-Modification Recorded Balance No. of Loans Pre-Modification Recorded Balance Post-Modification Recorded Balance  Real estate  Commercial - $ - $ - 2 $ 1,172 $ 1,170  Construction and development - - - 1 155 134  Consumer closed end first mortgage 5 419 428 3 156 154   Other loans  Consumer loans  Auto 1 4 4 - - -  Boat/RVs 2 48 48 - - -  Commercial and industrial 1 83 83 1 88 83 
Newly Restructured Loans by Types	Newly restructured loans by type for the three months ended March 31, 2016 and 2015 are as follows:    Three Months Ended March 31, 2016  Rate Term Combination Total Modification  Real Estate  Consumer closed end first mortgage $ - $ - $ 428 $ 428   Other loans  Consumer loans  Auto - - 4 4  Boat/RVs - 48 - 48  Commercial and industrial - 83 - 83     Three Months Ended March 31, 2015  Rate Term Combination Total Modification  Real Estate  Commercial $ - $ 1,170 $ - $ 1,170  Com m ercial construction and development - - 134 134  Consumer closed end first mortgage - - 154 154   Other loans  Commercial and industrial - - 83 83 

Earnings Per Share (Narrative)

Earnings Per Share (Narrative) (Details) - shares	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive securities excluded from earnings per share computation	37,161	37,161

Earnings Per Share (Schedule of

Earnings Per Share (Schedule of Earnings per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Basic Earnings Per Share
Net income	$ 2,365	$ 2,481
Weighted-Average Shares number of common shares, basic	7,466,409	7,313,725
Earnings per share, basic	$ 0.32	$ 0.34
Diluted Earnings Per Share
Income available to common stockholders and assumed conversions	$ 2,365	$ 2,481
Weighted-Average Shares, effect of dilutive securities stock option	149,471	194,968
Weighted-Average Shares income available to common stockholders and assumed conversions, diluted	7,615,880	7,508,693
Earnings per share, diluted	$ 0.31	$ 0.33

Investment Securities (Narrativ

Investment Securities (Narrative) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015	Dec. 31, 2011
Investment [Line Items]
Fair value of investments reported at less than historical cost	$ 24,872,000		$ 97,566,000
Percentage of Bank portfolio	9.30%		37.40%
Proceeds from sales of securities - available for sale	$ 3,883,000	$ 7,539,000
Gross realized gain on sale of securities	118,000	240,000
Gross realized losses on sale of securities	$ 0	$ 0
Percentage of recovery estimate depository institutions	10.00%
Percentage of recovery estimate insurance companies	15.00%
Pooled Trust Preferred Securities [Member]
Investment [Line Items]
Current par balance	$ 3,800,000
Original Par	$ 4,000,000			$ 4,000,000

Investment Securities (Amortize

Investment Securities (Amortized Cost and Fair Values of Securities ) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	$ 260,469	$ 258,732
Gross Unrealized Gains	7,258	4,881
Gross Unrealized Losses	(1,556)	(2,475)
Fair Value	266,171	261,138
Mortgage-backed Securities, Government Sponsored Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	104,097	106,524
Gross Unrealized Gains	2,478	1,562
Gross Unrealized Losses	(16)	(248)
Fair Value	106,559	107,838
Collateralized Mortgage Obligations, Government Sponsored Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	82,835	84,976
Gross Unrealized Gains	1,225	537
Gross Unrealized Losses	(187)	(861)
Fair Value	83,873	84,652
Municipals [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	60,731	54,427
Gross Unrealized Gains	3,510	2,781
Gross Unrealized Losses	(30)	(20)
Fair Value	64,211	57,188
Corporate Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	12,806	12,805
Gross Unrealized Gains	45	1
Gross Unrealized Losses	(1,323)	(1,346)
Fair Value	$ 11,528	$ 11,460

Investment Securities (Amorti25

Investment Securities (Amortized Cost and Fair Value of Available-for-Sale Securities by Contractual Maturity) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Schedule of Available-for-sale Securities [Line Items]
Security obligations due, amortized cost, One to five years	$ 10,002
Security obligations due, amortized cost, Five to ten years	3,099
Security obligations due, amortized cost, After ten years	60,436
Total security obligations due, amortized cost	73,537
Available for sale, amortized cost	260,469	$ 258,732
Security obligations due, Fair value, One to five years	10,031
Security obligations due, Fair value, Five to ten years	3,364
Security obligations due, Fair value, After ten years	62,344
Total Security obligations due, Fair value	75,739
Investment securities available for sale (carried at fair value)	266,171	261,138
Mortgage-backed Securities, Government Sponsored Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for sale, amortized cost	104,097	106,524
Investment securities available for sale (carried at fair value)	106,559	107,838
Collateralized Mortgage Obligations, Government Sponsored Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for sale, amortized cost	82,835	84,976
Investment securities available for sale (carried at fair value)	$ 83,873	$ 84,652

Investment Securities (Investme

Investment Securities (Investments Gross Unrealized Losses and Fair Value in Continuous Unrealized Loss Position) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months, Fair Value	$ 8,623	$ 73,270
Less than 12 months, Unrealized Losses	(96)	(621)
12 months or more, Fair Value	16,249	24,296
12 months or more, Unrealized Losses	(1,460)	(1,854)
Total, Fair Value	24,872	97,566
Total, Unrealized Losses	(1,556)	(2,475)
Mortgage-backed Securities, Government Sponsored Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months, Fair Value	1,390	38,649
Less than 12 months, Unrealized Losses	(16)	(248)
Total, Fair Value	1,390	38,649
Total, Unrealized Losses	(16)	(248)
Collateralized Mortgage Obligations, Government Sponsored Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months, Fair Value		27,457
Less than 12 months, Unrealized Losses		(281)
12 months or more, Fair Value	13,223	21,271
12 months or more, Unrealized Losses	(187)	(580)
Total, Fair Value	13,223	48,728
Total, Unrealized Losses	(187)	(861)
Municipals [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months, Fair Value	2,784	2,739
Less than 12 months, Unrealized Losses	(29)	(17)
12 months or more, Fair Value	492	491
12 months or more, Unrealized Losses	(1)	(3)
Total, Fair Value	3,276	3,230
Total, Unrealized Losses	(30)	(20)
Corporate Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months, Fair Value	4,449	4,425
Less than 12 months, Unrealized Losses	(51)	(75)
12 months or more, Fair Value	2,534	2,534
12 months or more, Unrealized Losses	(1,272)	(1,271)
Total, Fair Value	6,983	6,959
Total, Unrealized Losses	$ (1,323)	$ (1,346)

Investment Securities (Debt Sec

Investment Securities (Debt Securities for which Credit Loss was Recognized in Income and Other Losses Recorded in Other Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Investment Securities [Abstract]
Credit losses on debt securities held, beginning of period	$ 109	$ 109
Reductions related to actual losses incurred
Credit losses on debt securities held, end of period	$ 109	$ 109

Investment Securities (Pooled T

Investment Securities (Pooled Trust Preferred Collateralized Debt Obligations) (Details) $ in Thousands		3 Months Ended
		Mar. 31, 2016USD ($)item	Mar. 31, 2015USD ($)	Dec. 31, 2015USD ($)	Dec. 31, 2011USD ($)
Fair Value		$ 266,171		$ 261,138
Unrealized loss		(1,556)		$ (2,475)
Realized losses YTD		118	$ 240
Pooled Trust Preferred Securities [Member]
Original Par		4,000			$ 4,000
Book Value		3,806
Fair Value		2,534
Unrealized loss		$ (1,272)
Pooled Trust Preferred Securities [Member] | Alesco Preferred Funding IX [Member]
Class		A1
Original Par		$ 1,000
Book Value		915
Fair Value		548
Unrealized loss		$ (367)
Number of Banks / Insurance Cos. Currently Performing | item		43
Total Number of Banks and Insurance Cos. In Issuance (Unique) | item		50
Actual Deferrals/Defaults (as a % of original collateral)		6.75%
Total Projected Defaults (as a % of performing collateral)	[1]	10.68%
Excess subordination (after taking into account best estimate of future deferrals/defaults)	[2]	54.87%
Pooled Trust Preferred Securities [Member] | U.S. Capital Funding I [Member]
Class		B3
Original Par		$ 3,000
Book Value		2,891
Fair Value		1,986
Unrealized loss		$ (905)
Number of Banks / Insurance Cos. Currently Performing | item		29
Total Number of Banks and Insurance Cos. In Issuance (Unique) | item		33
Actual Deferrals/Defaults (as a % of original collateral)		7.95%
Total Projected Defaults (as a % of performing collateral)	[1]	6.45%
Excess subordination (after taking into account best estimate of future deferrals/defaults)	[2]	11.81%
Minimum [Member] | Pooled Trust Preferred Securities [Member] | Alesco Preferred Funding IX [Member]
Class		CCC-
Minimum [Member] | Pooled Trust Preferred Securities [Member] | U.S. Capital Funding I [Member]
Class		C
[1]	A 10% recovery is applied to all projected defaults by depository institutions. A 15% recovery is applied to all projected defaults by insurance companies. No recovery is applied to current defaults.
[2]	Excess subordination represents the additional defaults in excess of both current and projected defaults that the CDO can absorb before the bond experiences any credit impairment. Excess subordinated percentage is calculated by (a) determining what percentage of defaults a deal can experience before the bond has credit impairment, and (b) subtracting from this default breakage percentage both total current and expected future default percentages.

Accumulated Other Comprehensi29

Accumulated Other Comprehensive Income (Components of Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Accumulated Other Comprehensive Income [Abstract]
Net unrealized gain on securities available-for-sale	$ 6,607	$ 3,311
Net unrealized loss on securities available-for-sale for which a portion of an other-than-temporary impairment has been recognized in income	(905)	(905)
Net unrealized loss on derivative used for cash flow hedges	(26)	(1)
Net unrealized loss relating to defined benefit plan liability	(32)	(32)
Accumulated other comprehensive income before tax	5,644	2,373
Tax expense	2,002	883
Net of tax amount	$ 3,642	$ 1,490

Accumulated Other Comprehensi30

Accumulated Other Comprehensive Income (Reclassification out of Accumulated Other Comprehensive Income (Loss) Alternate) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Related income tax expense	$ (778)	$ (1,036)
Reclassification out of AOCI [Member] | Accumulated Net Unrealized Investment Gain (Loss) [Member]
Non-interest income	118	240
Related income tax expense	(40)	(82)
Net Income	$ 78	$ 158

Fair Values of Financial Inst31

Fair Values of Financial Instruments (Fair Value Measurement of Assets Measured at Fair Value on Recurring Basis) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 266,171	$ 261,138
Mortgage-backed Securities, Government Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	106,559	107,838
Collateralized Mortgage Obligations, Government Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	83,873	84,652
Municipals [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	64,211	57,188
Corporate Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	11,528	$ 11,460
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Inputs, Level 1 [Member] | Mortgage-backed Securities, Government Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Inputs, Level 1 [Member] | Collateralized Mortgage Obligations, Government Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Inputs, Level 1 [Member] | Municipals [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Inputs, Level 1 [Member] | Corporate Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	263,637	$ 258,604
Fair Value, Inputs, Level 2 [Member] | Mortgage-backed Securities, Government Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	106,559	107,838
Fair Value, Inputs, Level 2 [Member] | Collateralized Mortgage Obligations, Government Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	83,873	84,652
Fair Value, Inputs, Level 2 [Member] | Municipals [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	64,211	57,188
Fair Value, Inputs, Level 2 [Member] | Corporate Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	8,994	8,926
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	2,534	2,534
Fair Value, Inputs, Level 3 [Member] | Corporate Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 2,534	$ 2,534

Fair Values of Financial Inst32

Fair Values of Financial Instruments (Reconciliation of Recurring Fair Value Measurements Recognized in Balance Sheet using Significant Unobservable (Level Three) Inputs) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Fair Values of Financial Instruments [Abstract]
Beginning balance	$ 2,534	$ 2,522
Ending balance	2,534	2,522
Total gains or losses for the period included in net income attributable to the change in unrealized gains or losses related to assets still held at the reporting date	$ 0	$ 0

Fair Values of Financial Inst33

Fair Values of Financial Instruments (Fair Value Measurement of Assets Measured at Fair Value on Nonrecurring Basis) (Details) - Other Real Estate Owned/Foreclosed Real Estate [Member] $ in Thousands	Dec. 31, 2015USD ($)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value of assets on nonrecurring basis	$ 676
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value of assets on nonrecurring basis
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value of assets on nonrecurring basis
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value of assets on nonrecurring basis	$ 676

Fair Values of Financial Inst34

Fair Values of Financial Instruments (Quantitative Information about Unobservable Inputs used in Recurring and Nonrecurring Level Three Fair Value Measurements) (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2016	Dec. 31, 2015
Pooled Trust Preferred Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 2,534	$ 2,534
Valuation Technique	Discounted cash flow	Discounted cash flow
Constant prepayment rate	2.00%	2.00%
Cumulative projected prepayments	40.00%	40.00%
Pooled Trust Preferred Securities [Member] | Minimum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount rate	7.00%	7.00%
Probability of default	1.70%	1.70%
Projected cures given deferral	0.00%	0.00%
Loss severity	33.80%	33.80%
Pooled Trust Preferred Securities [Member] | Maximum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount rate	8.00%	8.00%
Probability of default	1.80%	1.80%
Projected cures given deferral	15.00%	15.00%
Loss severity	40.20%	40.20%
Impaired loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		$ 676
Valuation Technique		Third party valuations
Impaired loans [Member] | Minimum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount to reflect realizable value less estimated selling costs		20.00%
Impaired loans [Member] | Maximum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount to reflect realizable value less estimated selling costs		50.00%

Fair Values of Financial Inst35

Fair Values of Financial Instruments (Estimated Fair Values of Financial Instruments) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Carrying Amount [Member]
Assets
Cash and cash equivalents	$ 30,712	$ 20,915
Interest-bearing deposits	980
Loans held for sale, fair value	5,886	5,991
Loans, fair value	1,074,221	1,068,204
FHLB stock, fair value	10,482	10,482
Interest receivable, fair value	3,962	4,201
Liabilities, fair value
Deposits, fair value	1,113,923	1,091,382
FHLB advances, fair value	218,617	225,617
Other borrowings, fair value	9,279	9,458
Interest payable, fair value	248	199
Portion at Fair Value Measurement [Member]
Assets
Cash and cash equivalents	30,712	20,915
Interest-bearing deposits	980
Loans held for sale, fair value	6,095	6,058
Loans, fair value	1,073,638	1,056,357
FHLB stock, fair value	10,482	10,482
Interest receivable, fair value	3,962	4,201
Liabilities, fair value
Deposits, fair value	1,116,266	1,090,975
FHLB advances, fair value	220,523	224,621
Other borrowings, fair value	9,305	9,459
Interest payable, fair value	248	199
Fair Value, Inputs, Level 1 [Member] | Portion at Fair Value Measurement [Member]
Assets
Cash and cash equivalents	30,712	20,915
Interest-bearing deposits	980
Liabilities, fair value
Deposits, fair value	758,627	740,759
Fair Value, Inputs, Level 2 [Member] | Portion at Fair Value Measurement [Member]
Assets
Loans held for sale, fair value	6,095	6,058
FHLB stock, fair value	10,482	10,482
Interest receivable, fair value	3,962	4,201
Liabilities, fair value
FHLB advances, fair value	220,523	224,621
Other borrowings, fair value	9,305	9,459
Interest payable, fair value	248	199
Fair Value, Inputs, Level 3 [Member] | Portion at Fair Value Measurement [Member]
Assets
Loans, fair value	1,073,638	1,056,357
Liabilities, fair value
Deposits, fair value	$ 357,639	$ 350,216

Loans (Narrative) (Details)

Loans (Narrative) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Loans [Abstract]
Financing receivable, modifications, subsequent default, recorded investment	$ 0	$ 0
Real estate held-for-sale	712,000
Mortgage loans in process of foreclosure, amount	$ 1,900,000

Loans (Categories of Loans) (De

Loans (Categories of Loans) (Details) - USD ($)	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 1,091,608,000	$ 1,083,395,000
Undisbursed loans in process	(9,644,000)	(7,432,000)
Unamortized deferred loan costs, net	4,927,000	4,882,000
Allowance for loan losses	(12,670,000)	(12,641,000)	$ (13,217,000)	$ (13,168,000)
Net loans	1,074,221,000	1,068,204,000
Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	248,893,000	236,895,000
Construction Loans [Member] | Commercial Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	18,039,000	15,744,000
First Mortgage [Member] | Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	487,389,000	491,451,000
Second Mortgage [Member] | Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	70,911,000	70,990,000
Automobile Loan [Member] | Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	15,506,000	15,480,000
Boat/RVs [Member] | Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	126,810,000	123,621,000
Other [Member] | Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	5,785,000	6,171,000
Commercial and Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		123,043,000
Commercial and Industrial [Member] | Commercial Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	118,275,000	123,043,000
Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	825,232,000	815,080,000
Real estate | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	248,893,000	236,895,000
Real estate | Construction Loans [Member] | Commercial Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	18,039,000	15,744,000
Real estate | First Mortgage [Member] | Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	487,389,000	491,451,000
Real estate | Second Mortgage [Member] | Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	70,911,000	70,990,000
Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	266,376,000	268,315,000
Other | Automobile Loan [Member] | Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	15,506,000	15,480,000
Other | Boat/RVs [Member] | Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	126,810,000	123,621,000
Other | Other [Member] | Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	5,785,000	6,171,000
Other | Commercial and Industrial [Member] | Commercial Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 118,275,000	$ 123,043,000

Loans (Non-Accrual Loan, Segreg

Loans (Non-Accrual Loan, Segregated by Class of Loans) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	$ 6,073	$ 6,904
Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	2,109	2,356
Construction Loans [Member] | Commercial Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	22
First Mortgage [Member] | Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	3,180	3,592
Second Mortgage [Member] | Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	635	783
Automobile Loan [Member] | Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	15
Boat/RVs [Member] | Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	90	81
Other [Member] | Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	20	67
Commercial and Industrial [Member] | Commercial Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	$ 2	$ 25

Loans (Age Analysis of Past Due

Loans (Age Analysis of Past Due Loans Segregated by Class of Loans) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 16,046	$ 18,235
Current	1,075,562	1,065,160
Total loans receivable	1,091,608	1,083,395
Total Loans > 90 Days or More and Accruing	385	267
30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	7,312	9,995
60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2,698	2,034
90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	6,036	6,206
Commercial and Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans receivable		123,043
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2,842	3,154
Current	246,051	233,741
Total loans receivable	248,893	236,895
Commercial Real Estate [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	725	922
Commercial Real Estate [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	149	20
Commercial Real Estate [Member] | 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,968	2,212
Commercial Segment [Member] | Construction Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2
Current	18,037	15,744
Total loans receivable	18,039	15,744
Commercial Segment [Member] | Construction Loans [Member] | 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2
Commercial Segment [Member] | Commercial and Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	86	580
Current	118,189	122,463
Total loans receivable	118,275	123,043
Commercial Segment [Member] | Commercial and Industrial [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	50	192
Commercial Segment [Member] | Commercial and Industrial [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	36	383
Commercial Segment [Member] | Commercial and Industrial [Member] | 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		5
Consumer [Member] | First Mortgage [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	11,115	11,691
Current	476,274	479,760
Total loans receivable	487,389	491,451
Total Loans > 90 Days or More and Accruing	385	267
Consumer [Member] | First Mortgage [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	5,607	7,272
Consumer [Member] | First Mortgage [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2,189	1,328
Consumer [Member] | First Mortgage [Member] | 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	3,319	3,091
Consumer [Member] | Second Mortgage [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,059	1,248
Current	69,852	69,742
Total loans receivable	70,911	70,990
Consumer [Member] | Second Mortgage [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	222	296
Consumer [Member] | Second Mortgage [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	202	187
Consumer [Member] | Second Mortgage [Member] | 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	635	765
Consumer [Member] | Automobile Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	71	89
Current	15,435	15,391
Total loans receivable	15,506	15,480
Consumer [Member] | Automobile Loan [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	53	89
Consumer [Member] | Automobile Loan [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	3
Consumer [Member] | Automobile Loan [Member] | 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	15
Consumer [Member] | Boat/RVs [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	712	1,308
Current	126,098	122,313
Total loans receivable	126,810	123,621
Consumer [Member] | Boat/RVs [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	534	1,135
Consumer [Member] | Boat/RVs [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	101	102
Consumer [Member] | Boat/RVs [Member] | 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	77	71
Consumer [Member] | Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	159	165
Current	5,626	6,006
Total loans receivable	5,785	6,171
Consumer [Member] | Other [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	121	89
Consumer [Member] | Other [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	18	14
Consumer [Member] | Other [Member] | 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 20	$ 62

Loans (Impaired Loans) (Details

Loans (Impaired Loans) (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Impaired Financing Receivable With Related Allowance [Abstract]
Recorded balance			$ 676
Unpaid principal balance			676
Specific Allowance	$ 100		100
Average investment in impaired loans			793
Interest income recognized			20
Impaired Financing Receivables Total [Abstract]
Recorded balance, total	6,345	$ 8,392	6,700
Unpaid principal balance, total	6,345	9,200	6,700
Average investment in impaired loans, total	6,523	8,076	7,578
Interest income recognized, total	35	64	225
Commercial Real Estate [Member]
Impaired Financing Receivable With No Related Allowance [Abstract]
Recorded balance	3,150	5,225	3,608
Unpaid principal balance	3,150	5,225	3,608
Average investment in impaired loans	3,172	5,079	4,115
Interest income recognized	23	56
Impaired Financing Receivable With Related Allowance [Abstract]
Recorded balance	517
Unpaid principal balance	517
Specific Allowance	100		100
Average investment in impaired loans	596
Interest income recognized			172
Impaired Financing Receivables Total [Abstract]
Recorded balance, total	3,667		4,284
Unpaid principal balance, total	3,667		4,284
Average investment in impaired loans, total	3,768		4,908
Interest income recognized, total	23		192
Commercial Segment [Member] | Construction Loans [Member]
Impaired Financing Receivable With No Related Allowance [Abstract]
Recorded balance	859	851	595
Unpaid principal balance	859	1,628	595
Average investment in impaired loans	934	891	735
Interest income recognized	12	7
Impaired Financing Receivable With Related Allowance [Abstract]
Interest income recognized			31
Impaired Financing Receivables Total [Abstract]
Recorded balance, total	859		595
Unpaid principal balance, total	859		595
Average investment in impaired loans, total	934		735
Interest income recognized, total	12		31
Commercial Segment [Member] | Commercial and Industrial [Member]
Impaired Financing Receivable With No Related Allowance [Abstract]
Recorded balance	208	702	214
Unpaid principal balance	208	733	214
Average investment in impaired loans	212	730	423
Interest income recognized		1
Impaired Financing Receivable With Related Allowance [Abstract]
Interest income recognized			2
Impaired Financing Receivables Total [Abstract]
Recorded balance, total	208		214
Unpaid principal balance, total	208		214
Average investment in impaired loans, total	212		423
Interest income recognized, total			2
Consumer [Member] | First Mortgage [Member]
Impaired Financing Receivable With No Related Allowance [Abstract]
Recorded balance	1,126	1,138	1,126
Unpaid principal balance	1,126	1,138	1,126
Average investment in impaired loans	1,126	1,138	1,131
Impaired Financing Receivables Total [Abstract]
Recorded balance, total	1,126		1,126
Unpaid principal balance, total	1,126		1,126
Average investment in impaired loans, total	1,126		1,131
Consumer [Member] | Second Mortgage [Member]
Impaired Financing Receivable With No Related Allowance [Abstract]
Recorded balance	485	476	481
Unpaid principal balance	485	476	481
Average investment in impaired loans	483	$ 238	381
Impaired Financing Receivables Total [Abstract]
Recorded balance, total	485		481
Unpaid principal balance, total	485		481
Average investment in impaired loans, total	$ 483		$ 381

Loans (Commercial and Retail Cr

Loans (Commercial and Retail Credit Exposure Credit Risk Profile by Internal Rating) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 1,091,608	$ 1,083,395
Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		123,043
Commercial and Industrial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		119,540
Commercial and Industrial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		3,300
Commercial and Industrial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		203
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	248,893	236,895
Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	236,382	226,439
Commercial Real Estate [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	6,995	4,137
Commercial Real Estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,483	6,319
Commercial Real Estate [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	33
Commercial Segment [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	367,229	359,965
Commercial Segment [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	11,385	8,746
Commercial Segment [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	6,560	6,971
Commercial Segment [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	33
Commercial Segment [Member] | Construction Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	18,039	15,744
Commercial Segment [Member] | Construction Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	16,060	13,986
Commercial Segment [Member] | Construction Loans [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,095	1,309
Commercial Segment [Member] | Construction Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	884	449
Commercial Segment [Member] | Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	118,275	123,043
Commercial Segment [Member] | Commercial and Industrial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	114,787
Commercial Segment [Member] | Commercial and Industrial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	3,295
Commercial Segment [Member] | Commercial and Industrial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	193
Consumer [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	699,340	699,811
Consumer [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	7,061	7,902
Consumer [Member] | First Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	487,389	491,451
Consumer [Member] | First Mortgage [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	481,227	484,658
Consumer [Member] | First Mortgage [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	6,162	6,793
Consumer [Member] | Second Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	70,911	70,990
Consumer [Member] | Second Mortgage [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	70,200	70,086
Consumer [Member] | Second Mortgage [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	711	904
Consumer [Member] | Automobile Loan [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	15,506	15,480
Consumer [Member] | Automobile Loan [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	15,491	15,480
Consumer [Member] | Automobile Loan [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	15
Consumer [Member] | Boat/RVs [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	126,810	123,621
Consumer [Member] | Boat/RVs [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	126,662	123,490
Consumer [Member] | Boat/RVs [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	148	131
Consumer [Member] | Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,785	6,171
Consumer [Member] | Other [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,760	6,097
Consumer [Member] | Other [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 25	$ 74

Loans (Activity in Allowance fo

Loans (Activity in Allowance for Loan Losses by Portfolio Segment) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Mar. 31, 2016	Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan losses, Beginning of period	$ 12,641,000	$ 13,168,000
Provision charged (credited) to expense	200,000
Losses charged off	(262,000)	(210,000)
Recoveries	91,000	259,000
Allowance for loan losses, End of period	12,670,000	13,217,000
Allowance for loan losses, individually evaluated for impairment, Ending balance			$ 100,000	$ 100,000
Allowance for loan losses, collectively evaluated for impairment, Ending balance			12,570,000	12,541,000
Total allowance for loan losses	12,641,000	13,168,000	12,670,000	12,641,000
Loans, individually evaluated for impairment, Ending balance			6,345,000	6,700,000
Loans, collectively evaluated for impairment, Ending balance			1,085,263,000	1,076,695,000
Total loans receivable			1,091,608,000	1,083,395,000
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan losses, Beginning of period	7,090,000	7,085,000
Provision charged (credited) to expense	120,000	(396,000)
Losses charged off	(4,000)
Recoveries	2,000	205,000
Allowance for loan losses, End of period	7,208,000	6,894,000
Allowance for loan losses, individually evaluated for impairment, Ending balance			100,000	100,000
Allowance for loan losses, collectively evaluated for impairment, Ending balance			7,108,000	6,990,000
Total allowance for loan losses	7,090,000	7,085,000	7,208,000	7,090,000
Loans, individually evaluated for impairment, Ending balance			4,734,000	5,093,000
Loans, collectively evaluated for impairment, Ending balance			380,473,000	370,589,000
Total loans receivable			385,207,000	$ 375,682,000
Mortgage [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan losses, Beginning of period	2,683,000	3,471,000
Provision charged (credited) to expense	62,000	188,000
Losses charged off	(120,000)	(93,000)
Recoveries	4,000	1,000
Allowance for loan losses, End of period	2,629,000	3,567,000
Allowance for loan losses, individually evaluated for impairment, Ending balance
Allowance for loan losses, collectively evaluated for impairment, Ending balance			2,629,000	$ 2,683,000
Total allowance for loan losses	2,683,000	3,471,000	2,629,000	2,683,000
Loans, individually evaluated for impairment, Ending balance			1,126,000	1,126,000
Loans, collectively evaluated for impairment, Ending balance			486,263,000	490,325,000
Total loans receivable			487,389,000	$ 491,451,000
Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan losses, Beginning of period	2,868,000	2,612,000
Provision charged (credited) to expense	18,000	208,000
Losses charged off	(138,000)	(117,000)
Recoveries	85,000	53,000
Allowance for loan losses, End of period	2,833,000	2,756,000
Allowance for loan losses, individually evaluated for impairment, Ending balance
Allowance for loan losses, collectively evaluated for impairment, Ending balance			2,833,000	$ 2,868,000
Total allowance for loan losses	$ 2,868,000	$ 2,612,000	2,833,000	2,868,000
Loans, individually evaluated for impairment, Ending balance			485,000	481,000
Loans, collectively evaluated for impairment, Ending balance			218,527,000	215,781,000
Total loans receivable			$ 219,012,000	$ 216,262,000

Loans (Troubled Debts Restructu

Loans (Troubled Debts Restructured) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2016USD ($)loan	Mar. 31, 2015USD ($)loan
Boat/RVs [Member]
Financing Receivable, Modifications [Line Items]
No. of Loans | loan	2
Pre-Modification Outstanding Recorded Balance	$ 48
Post-Modification Outstanding Recorded Balance	48
Commercial and Industrial [Member]
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Balance	$ 83	$ 83
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
No. of Loans | loan		2
Pre-Modification Outstanding Recorded Balance		$ 1,172
Post-Modification Outstanding Recorded Balance		$ 1,170
Commercial Segment [Member] | Construction Loans [Member]
Financing Receivable, Modifications [Line Items]
No. of Loans | loan		1
Pre-Modification Outstanding Recorded Balance		$ 155
Post-Modification Outstanding Recorded Balance		$ 134
Consumer [Member] | First Mortgage [Member]
Financing Receivable, Modifications [Line Items]
No. of Loans | loan	5	3
Pre-Modification Outstanding Recorded Balance	$ 419	$ 156
Post-Modification Outstanding Recorded Balance	$ 428	$ 154
Consumer [Member] | Automobile Loan [Member]
Financing Receivable, Modifications [Line Items]
No. of Loans | loan	1
Pre-Modification Outstanding Recorded Balance	$ 4
Post-Modification Outstanding Recorded Balance	4
Consumer [Member] | Boat/RVs [Member]
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Balance	$ 48
Consumer [Member] | Commercial and Industrial [Member]
Financing Receivable, Modifications [Line Items]
No. of Loans | loan	1	1
Pre-Modification Outstanding Recorded Balance	$ 83	$ 88
Post-Modification Outstanding Recorded Balance	$ 83	$ 83

Loans (Newly Restructured Loans

Loans (Newly Restructured Loans by Type) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Boat/RVs [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total modification	$ 48
Commercial and Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Rate
Term	83
Combination		$ 83
Total modification	83	$ 83
Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Rate
Term		$ 1,170
Total modification		$ 1,170
Commercial Segment [Member] | Construction Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Rate
Combination		$ 134
Total modification		$ 134
Consumer [Member] | First Mortgage [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Rate
Combination	428	$ 154
Total modification	428	154
Consumer [Member] | Automobile Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Combination	4
Total modification	4
Consumer [Member] | Boat/RVs [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term	48
Total modification	48
Consumer [Member] | Commercial and Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total modification	$ 83	$ 83