New Peoples Bankshares (NWPP) 10-K 1 Mar 16 2015 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2015	Feb. 29, 2016	Jun. 30, 2015
Document And Entity Information
Entity Registrant Name	NEW PEOPLES BANKSHARES INC
Entity Central Index Key	1,163,389
Document Type	10-K
Document Period End Date	Dec. 31, 2015
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Is Entity a Well-known Seasoned Issuer?	No
Is Entity a Voluntary Filer?	No
Is Entity's Reporting Status Current?	Yes
Entity Filer Category	Smaller Reporting Company
Entity Public Float			$ 13,726,409
Entity Common Stock, Shares Outstanding		23,354,082
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2,015

Balance Sheets

Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
ASSETS
Cash and due from banks	$ 15,087	$ 14,622
Interest-bearing deposits with banks	$ 11,251	20,933
Federal funds sold		5
Total Cash and Cash Equivalents	$ 26,338	35,560
Investment securities available-for-sale	101,642	100,069
Loans receivable	441,169	457,549
Allowance for loan losses	(7,493)	(9,922)
Net Loans	433,676	447,627
Bank premises and equipment, net	28,148	28,766
Equity securities (restricted)	2,441	2,369
Other real estate owned	12,398	15,049
Accrued interest receivable	1,816	1,975
Life insurance investments	12,105	12,268
Deferred taxes, net	5,121	4,988
Other assets	2,213	2,413
Total Assets	625,898	651,084
Demand deposits:
Noninterest bearing	149,714	143,950
Interest-bearing	30,251	29,567
Savings deposits	121,076	111,701
Time deposits	256,978	299,974
Total Deposits	558,019	585,192
FHLB advances	2,958	4,158
Accrued interest payable	288	266
Accrued expenses and other liabilities	2,050	2,121
Trust preferred securities	16,496	16,496
Total Liabilities	579,811	608,233
STOCKHOLDERS' EQUITY
Common stock - $2.00 par value; 50,000,000 shares authorized; 23,354,082 and 22,878,654 shares issued and outstanding at December 31, 2015 and 2014, respectively	46,708	45,757
Common stock warrants	764	1,176
Additional paid-in capital	13,965	13,672
Retained deficit	(15,023)	(17,685)
Accumulated other comprehensive loss	(327)	(69)
Total Stockholders' Equity	46,087	42,851
Total Liabilities and Stockholders' Equity	$ 625,898	$ 651,084

Balance Sheets (Parenthetical)

Balance Sheets (Parenthetical) - $ / shares	Dec. 31, 2015	Dec. 31, 2014
Statement of Financial Position [Abstract]
Common stock, par value	$ 2	$ 2
Common stock, shares authorized	50,000,000	50,000,000
Common stock, shares issued	23,354,082	22,878,654
Common stock, shares outstanding	23,354,082	22,878,654

Statements of Operations

Statements of Operations - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
INTEREST AND DIVIDEND INCOME
Loans including fees	$ 23,671	$ 24,875
Federal funds sold	2	3
Interest-earning deposits with banks	91	155
Investments	1,759	1,482
Dividends on equity securities (restricted)	132	129
Total Interest and Dividend Income	25,655	26,644
Deposits
Demand	37	37
Savings	173	180
Time deposits below $100,000	1,343	1,829
Time deposits above $100,000	916	1,270
FHLB advances	145	195
Trust Preferred Securities	440	545
Total Interest Expense	3,054	4,056
NET INTEREST INCOME	22,601	$ 22,588
PROVISION FOR LOAN LOSSES	(2,200)
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	24,801	$ 22,588
NONINTEREST INCOME
Service charges	2,216	2,191
Fees, commission and other income	3,247	3,572
Insurance and investment fees	559	391
Net realized gains on sale of investment securities	35	2
Life insurance investment income	346	85
Total Noninterest Income	6,403	6,241
NONINTEREST EXPENSES
Salaries and employee benefits	11,823	12,725
Occupancy and equipment expenses	3,865	3,886
Advertising and public relations	407	463
Data processing and telecommunications	2,149	2,244
FDIC insurance premiums	842	1,427
Other real estate owned and repossessed assets, net	4,088	2,286
Other operating expenses	5,349	5,563
Total Noninterest Expenses	28,523	28,594
INCOME BEFORE INCOME TAXES	2,681	235
INCOME TAX EXPENSE (BENEFIT)	19	(5)
NET INCOME	$ 2,662	$ 240
Income Per Share
Basic and Fully Diluted	$ 0.12	$ 0.01
Average Weighted Shares of Common Stock
Basic and Fully Diluted	22,955,391	22,099,926

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income (Loss) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Consolidated Statements Of Comprehensive Income Loss
NET INCOME	$ 2,662	$ 240
Investment securities activity
Unrealized gains (losses) arising during the year	(356)	1,351
Tax related to unrealized gains (losses)	121	(459)
Reclassification of realized gains during the year	(35)	(2)
Tax related to realized gains	12	1
TOTAL OTHER COMPREHENSIVE INCOME (LOSS)	(258)	891
TOTAL COMPREHENSIVE INCOME	$ 2,404	$ 1,131

Shareholders Equity

Shareholders Equity - USD ($) $ in Thousands	Common Stock	Common Stock Warrants	Additional Paid-In Capital	Retained Deficit	Accumulated Other Comprehensive Income (Loss)	Total
Balance, Shares at Dec. 31, 2013	21,872
Balance at Dec. 31, 2013	$ 43,745	$ 2,050	$ 13,050	$ (17,925)	$ (960)	$ 39,960
Balance, Shares at Dec. 31, 2013	21,872
Balance at Dec. 31, 2013	$ 43,745	$ 2,050	$ 13,050	(17,925)	$ (960)	39,960
Net income				$ 240		240
Exercise of Common Stock Warrants, Shares	1,006
Exercise of Common Stock Warrants	$ 2,012	$ (874)	$ 622			1,760
Other comprehensive income (loss), net of tax					$ 891	$ 891
Balance, Shares at Dec. 31, 2014	22,878					22,878,654
Balance at Dec. 31, 2014	$ 45,757	$ 1,176	$ 13,672	$ (17,685)	(69)	$ 42,851
Balance, Shares at Dec. 31, 2014	22,878					22,878,654
Balance at Dec. 31, 2014	$ 45,757	1,176	13,672	(17,685)	(69)	$ 42,851
Balance, Shares at Dec. 31, 2014	22,878					22,878,654
Balance at Dec. 31, 2014	$ 45,757	$ 1,176	$ 13,672	(17,685)	$ (69)	$ 42,851
Net income				$ 2,662		2,662
Exercise of Common Stock Warrants, Shares	476
Exercise of Common Stock Warrants	$ 951	$ (412)	$ 293			832
Other comprehensive income (loss), net of tax					$ (258)	$ (258)
Balance, Shares at Dec. 31, 2015	23,354					23,354,082
Balance at Dec. 31, 2015	$ 46,708	$ 764	$ 13,965	$ (15,023)	(327)	$ 46,087
Balance, Shares at Dec. 31, 2015	23,354					23,354,082
Balance at Dec. 31, 2015	$ 46,708	$ 764	$ 13,965	$ (15,023)	$ (327)	$ 46,087

Statements of Cash Flows

Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 2,662	$ 240
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	2,092	$ 2,216
Provision for loan losses	2,200
Income on life insurance	(411)	$ (150)
Gain on sale of securities available-for-sale	(35)	(2)
Gain on sale of premises and equipment	(160)	(386)
(Gain) Loss on sale of foreclosed real estate	(99)	173
Adjustment of carrying value of foreclosed real estate	3,246	1,099
Accretion of bond premiums/discounts	$ 1,140	1,038
Amortization of core deposit intangible		8
Net change in:
Interest receivable	$ 159	311
Other assets	200	158
Accrued interest payable	22	(2,021)
Accrued expenses and other liabilities	(121)	508
Net Cash Provided by Operating Activities	6,495	3,192
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease in loans	$ 12,566	24,611
Proceeds from sale of loans		4,655
Purchase of securities available-for-sale	$ (29,312)	(54,859)
Proceeds from sale and maturities of securities available-for-sale	26,243	34,229
Sale of Federal Home Loan Bank stock	30	350
Purchase of Federal Reserve Bank stock	(37)	$ (15)
Purchase of CBB Financial Corp. stock	(65)
Payments for the purchase of premises and equipment	(2,423)	$ (1,753)
Payments for the purchase of other real estate owned	(12)
Proceeds from bank owned life insurance investment	1,793
Proceeds from sale of premises and equipment	1,109	$ 1,133
Proceeds from insurance claims on other real estate owned	101
Proceeds from sales of other real estate owned	1,831	2,582
Net Cash Provided by Investing Activities	11,824	10,933
CASH FLOWS FROM FINANCING ACTIVITIES
Exercise of common stock warrants	832	1,760
Repayments to Federal Home Loan Bank	(1,200)	(1,200)
Net change in:
Demand deposits	6,448	5,634
Savings deposits	9,375	7,578
Time deposits	(42,996)	(47,017)
Net Cash Used in Financing Activities	(27,541)	(33,245)
Net decrease in cash and cash equivalents	(9,222)	(19,120)
Cash and Cash Equivalents, Beginning of the Year	35,560	54,680
Cash and Cash Equivalents, End of the Year	26,338	35,560
Supplemental Disclosure of Cash Paid During the Year for:
Interest	$ 3,032	$ 6,077
Taxes
Supplemental Disclosure of Non Cash Transactions:
Other real estate acquired in settlement of foreclosed loans	$ 3,277	$ 4,306
Loans made to finance sale of foreclosed real estate	878	$ 1,256
Donation of other real estate owned	$ 33

1. NATURE OF OPERATIONS

1. NATURE OF OPERATIONS	12 Months Ended
	Dec. 31, 2015
Organization, Consolidation and Presentation of Financial Statements [Abstract]
1. NATURE OF OPERATIONS	NOTE 1 NATURE OF OPERATIONS: Nature of Operations –

2. SUMMARY OF SIGNIFICANT ACCOU

2. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
2. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE 2 SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES: Consolidation Policy Use of Estimates - Cash and Cash Equivalents Investment Securities The amortization of premiums and accretion of discounts are recognized in interest income using the effective interest method over the period to maturity. Realized gains and losses on dispositions are based on the net proceeds and the adjusted book value of the securities sold, using the specific identification method. Realized gains (losses) on securities available-for-sale are included in noninterest income and, when applicable, are reported as a reclassification adjustment, net of tax, in other comprehensive income. Unrealized gains and losses on investment securities available for sale are based on the difference between book value and fair value of each security. These gains and losses are credited or charged to other comprehensive income, net of tax, whereas realized gains and losses flow through the statements of income. Loans – It is the Company’s policy to stop accruing interest on a loan, and classify that loan as non-accrual under the following circumstances: (a) whenever we are advised by the borrower that scheduled payment or interest payments cannot be met, (b) when our best judgment indicates that payment in full of principal and interest can no longer be expected, or (c) when any such loan or obligation becomes delinquent for 90 days unless it is both well secured and in the process of collection. All interest accrued but not collected for loans that are place on nonaccrual 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 prospects for future contractual payments are reasonably assured. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent. Significant Group Concentrations of Credit Risk – Allowance for Loan Losses – The allowance is increased by a provision for loan losses, which is charged to expense and reduced by charge-offs, net of recoveries. Loans are charged against the allowance for loan losses when management believes that collectability of all or part of the principal is unlikely. Past due status is determined based on contractual terms. In regard to our consumer and consumer real estate loan portfolio, the Company uses the guidance found in the Uniform Retail Credit Classification and Account Management Policy which affects our estimate of the allowance for loan losses. Under this approach, a consumer or consumer real estate loan must initially have a credit risk grade of Pass or better. Subsequently, if the loan becomes contractually 90 days past due or the borrower files for bankruptcy protection, the loan is downgraded to Substandard and placed in nonaccrual status. If the loan is unsecured, upon being deemed Substandard, the entire loan amount is charged off. For non 1-4 family residential loans that are 90 days past due or greater, or in bankruptcy, the collateral value less estimated liquidation costs is compared to the loan balance to calculate any potential deficiency. If the collateral is sufficient then no charge-off is necessary. If a deficiency exists, then upon the loan becoming contractually 120 days past due, the deficiency is charged-off against the allowance for loan loss. In the case of 1-4 family residential or home equity loans, upon the loan becoming 120 days past due, a current value is obtained and after application of an estimated liquidation discount, a comparison is made to the loan balance to calculate any deficiency. Subsequently, any noted deficiency is then charged-off against the allowance for loan loss when the loan becomes contractually 180 days past due. If the customer has filed bankruptcy, then within 60 days of the bankruptcy notice, any calculated deficiency is charged-off against the allowance for loan loss. Collection efforts continue by means of repossessions or foreclosures, and upon bank ownership, liquidation ensues. Other Real Estate Owned Bank Premises and Equipment Type Estimated useful life Buildings 39 years Paving and landscaping 15 years Computer equipment and software 3 to 5 years Vehicles 5 years Furniture and other equipment 5 to 7 years Stock Options - Common Stock Warrants Income Taxes In the event the Company has unrecognized tax expense in future accounting periods, the Company will recognize interest in interest expense and penalties in operating expenses. There were no interest or penalties related to an unrecognized tax position for the years ended December 31, 2015 and 2014. Because of the impact of deferred tax accounting, other than interest and penalties, the reversal of the Company’s treatment by taxing authorities would not affect the annual effective tax rate but would defer or accelerate the payment of cash to the taxing authority. The Company’s tax filings for years ended 2013 through 2015 are currently open to audit under statutes of limitations by the Internal Revenue Service (“IRS”) and state taxing authorities. Financial Instruments – Off-balance-sheet instruments Income Per Share (Amounts in Thousands, Except Share and Per Share Data) For the years ended December 31, 2015 2014 Net income $ 2,662 $ 240 Weighted average shares outstanding 22,955,391 22,099,926 Weighted average dilutive shares outstanding 22,955,391 22,099,926 Basic and diluted income per share $ 0.12 $ 0.01 Comprehensive Income (Loss) Advertising Cost Business Combinations Reclassification Subsequent Events

3. FORMAL WRITTEN AGREEMENT

3. FORMAL WRITTEN AGREEMENT	12 Months Ended
	Dec. 31, 2015
Notes to Financial Statements
3. FORMAL WRITTEN AGREEMENT	NOTE 3 FORMAL WRITTEN AGREEMENT: The Company and the Bank had previously entered into the Written Agreement with the Federal Reserve Bank of Richmond and the Virginia State Corporation Commission Bureau of Financial Institutions. On February 2, 2016, the Company and the Bank announced that they had successfully complied with all of the requirements of the Written Agreement and accordingly, effective January 20, 2016, the agreement had been terminated. Under the terms of the Written Agreement, the Bank developed and submitted for approval within specified time periods written plans related to board oversight; the Bank’s management and governance, including management of the Bank’s operations, credit risk management, lending and credit risk administration, management of commercial real estate concentrations; the review and grading of the Bank’s loan portfolio; the improvement of Bank problem assets in excess of $1 million; the maintenance of an adequate allowance for loan and lease losses; the enhanced management of the Bank’s liquidity position and funds management practices; the revision of the Bank’s contingency funding and strategic plans; and the enhancement of the Bank’s anti-money laundering activities. The Written Agreement also imposed limitations on actions taken on criticized credits and credits classified as “loss”. The Written Agreement required the submission of capital plans and the maintenance of adequate capital and restricted the payment of dividends and other distributions, the redemption of stock and the incurrence of debt.

4. DEPOSITS IN AND FEDERAL FUND

4. DEPOSITS IN AND FEDERAL FUNDS SOLD TO BANKS	12 Months Ended
	Dec. 31, 2015
Notes to Financial Statements
4. DEPOSITS IN AND FEDERAL FUNDS SOLD TO BANKS	NOTE 4 DEPOSITS IN AND FEDERAL FUNDS SOLD TO BANKS: The Bank had federal funds sold and cash on deposit with other commercial banks amounting to $11.2 million and $20.9 million at December 31, 2015 and 2014, respectively. Deposit amounts at other commercial banks may, at times, exceed federally insured limits. The Bank is required to maintain average reserve balances, computed by applying prescribed percentages to its various types of deposits, either at the Bank or on deposit with the Federal Reserve Bank. At December 31, 2015 and 2014, all required reserves were met by the Bank’s vault cash. In May 2015, we received notification that a $3.0 million unsecured fed funds line of credit facility with a correspondent bank had been reinstated. A condition of this unsecured fed funds line of credit is that the Bank agreed to maintain a minimum deposit balance with the correspondent bank of $200 thousand. As of December 31, 2015, the Bank was in compliance with this requirement.

5. INVESTMENT SECURITIES

5. INVESTMENT SECURITIES	12 Months Ended
	Dec. 31, 2015
Investment securities activity
5. INVESTMENT SECURITIES	NOTE 5 INVESTMENT SECURITIES: The amortized cost and estimated fair value of securities (all available-for-sale) are as follows: Gross Gross Approximate Amortized Unrealized Unrealized Fair (Dollars are in thousands) Cost Gains Losses Value December 31, 2015 U.S. Government Agencies $ 41,488 $ 244 $ 209 $ 41,523 Taxable municipals 3,337 5 61 3,281 Corporate bonds 1,944 15 20 1,939 Mortgage backed securities 55,369 41 511 54,899 Total Securities AFS 102,138 $ 305 $ 801 $ 101,642 December 31, 2014 U.S. Government Agencies $ 43,985 $ 332 $ 247 $ 44,070 Taxable municipals 293 — 5 288 Corporate bonds — — — — Mortgage backed securities 55,896 144 329 55,711 Total Securities AFS $ 100,174 $ 476 $ 581 $ 100,069 The following table details unrealized losses and related fair values in the available-for-sale portfolio. This information is aggregated by the length of time that individual securities have been in a continuous unrealized loss position as of December 31, 2015 and December 31, 2014. Less than 12 Months 12 Months or More Total (Dollars are in thousands) Fair Value Unrealized Fair Unrealized Fair Unrealized December 31, 2015 U.S. Government Agencies $ 14,995 $ 81 $ 7,708 $ 128 $ 22,073 $ 209 Taxable municipals 2,136 57 278 4 2,414 61 Corporate bonds 923 20 — — 923 20 Mtg. backed securities 38,945 354 8,719 157 47,664 511 Total Securities AFS $ 56,999 $ 512 $ 16,705 $ 289 $ 73,074 $ 801 December 31, 2014 U.S. Government Agencies $ 7,408 $ 38 $ 12,965 $ 209 $ 20,373 $ 247 Taxable municipals 288 5 — — 288 5 Mtg. backed securities 21,083 179 11,622 150 32,705 329 Total Securities AFS $ 28,779 $ 222 $ 24,587 $ 359 $ 53,366 $ 581 At December 31, 2015, the available-for-sale portfolio included one hundred and thirty four investments for which the fair market value was less than amortized cost. At December 31, 2014, the available-for-sale portfolio included eighty four investments for which the fair market value was less than amortized cost. Management evaluates securities for other than temporary impairment at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. Consideration is given to (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial conditions and near-term prospects of the issuer, and (3) the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value. No securities were deemed to have an other than temporary impairment. The amortized cost and fair value of investment securities at December 31, 2015, by contractual maturity, are shown in the following schedule. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Weighted (Dollars are in thousands) Amortized Fair Average Securities Available for Sale Cost Value Yield Due in one year or less $ — $ — — % Due after one year through five years 3,178 3,176 1.22 % Due after five years through ten years 13,521 13,459 2.09 % Due after ten years 85,439 85,007 1.94 % Total $ 102,138 $ 101,642 1.93 % Investment securities with a carrying value of $15.4 million and $17.5 million at December 31, 2015 and 2014, were pledged to secure public deposits, overnight payment processing and for other purposes required by law. The Bank, as a member of the Federal Reserve Bank and the Federal Home Loan Bank, is required to hold stock in each. In August 2015, the Bank purchased stock in CBB Financial Corp., which is a correspondent of the Bank. These equity securities are restricted from trading and are recorded at a cost of $2.4 million as of December 31, 2015 and 2014. The stock has no quoted market value and no ready market exists.

6. LOANS

6. LOANS	12 Months Ended
	Dec. 31, 2015
Receivables [Abstract]
6. LOANS	NOTE 6 LOANS: Loans receivable outstanding at December 31, are summarized as follows: (Dollars are in thousands) 2015 2014 Real estate secured: Commercial $ 98,569 $ 108,062 Construction and land development 14,672 15,439 Residential 1-4 family 242,916 243,538 Multifamily 12,954 14,409 Farmland 22,174 25,252 Total real estate loans 391,285 406,700 Commercial 21,469 21,807 Agriculture 3,793 3,117 Consumer installment loans 24,568 25,828 All other loans 54 97 Total loans $ 441,169 $ 457,549 Loans receivable on nonaccrual status at December 31, are summarized as follows: (Dollars are in thousands) 2015 2014 Real estate secured: Commercial $ 4,358 $ 6,222 Construction and land development 436 332 Residential 1-4 family 8,338 8,589 Multifamily 430 118 Farmland 1,170 5,982 Total real estate loans 14,732 21,243 Commercial 65 554 Agriculture 9 18 Consumer installment loans 41 46 All other loans — — Total loans receivable on nonaccrual status $ 14,847 $ 21,861 Total interest income not recognized on nonaccrual loans for 2015 and 2014 was $697 thousand and $386 thousand, respectively. There were no nonperforming loans sold in 2015. In 2014, three nonperforming loans totaling $5.5 million were sold to further reduce the high level of nonaccrual loans. Charge offs of $1.0 million associated with the three sold nonperforming loans were realized and fully absorbed by the allowance for loan losses during 2014 with no additional provisions needed. The following table presents information concerning the Company’s investment in loans considered impaired as of December 31, 2015 and December 31, 2014: As of December 31, 2015 (Dollars are in thousands) Average Interest Recorded Unpaid Principal Balance Related With no related allowance recorded: Real estate secured: Commercial $ 4,534 $ 163 $ 4,212 $ 5,173 $ — Construction and land development 12 1 10 10 — Residential 1-4 family 3,506 161 3,037 3,150 — Multifamily 520 9 430 471 — Farmland 5,073 213 3,983 4,620 — Commercial 267 — — — — Agriculture 42 4 36 36 — Consumer installment loans 31 1 11 11 — All other loans — — — — — With an allowance recorded: Real estate secured: Commercial 2,935 37 2,503 2,849 288 Construction and land development 373 — 289 499 155 Residential 1-4 family 2,219 99 1,920 2,121 168 Multifamily 23 — — — — Farmland 906 38 761 778 328 Commercial 80 3 69 69 24 Agriculture 24 2 18 18 18 Consumer installment loans 19 4 45 45 2 All other loans — — — — — Total $ 20,564 $ 735 $ 17,324 $ 19,850 $ 983 As of December 31, 2014 (Dollars are in thousands) Average Interest Recorded Unpaid Principal Balance Related With no related allowance recorded: Real estate secured: Commercial $ 9,628 $ 128 $ 3,986 $ 5,166 $ — Construction and land development 248 1 15 15 — Residential 1-4 family 2,959 177 3,245 3,471 — Multifamily 370 26 438 479 — Farmland 5,383 114 5,767 6,801 — Commercial 421 — 548 674 — Agriculture 62 4 52 52 — Consumer installment loans 12 1 15 15 — All other loans — — — — — With an allowance recorded: Real estate secured: Commercial 6,338 132 4,517 4,905 1,482 Construction and land development 505 14 303 355 88 Residential 1-4 family 4,248 126 2,573 2,852 347 Multifamily 268 7 113 113 15 Farmland 2,573 59 1,104 1,116 343 Commercial 407 4 74 74 26 Agriculture 39 2 30 30 30 Consumer installment loans 10 — — — — All other loans — — — — — Total $ 33,471 $ 795 $ 22,780 $ 26,118 $ 2,331 An age analysis of past due loans receivable was as follows: As of December 31, 2015 (Dollars are in thousands) Loans Loans Loans Total Current Total Accruing Real estate secured: Commercial $ 311 $ 105 $ 2,534 $ 2,950 $ 95,619 $ 98,569 $ — Construction and land development 144 — 17 161 14,511 14,672 — Residential 1-4 family 4,694 1,487 2,891 9,072 233,844 242,916 — Multifamily 47 — 320 367 12,587 12,954 — Farmland 363 — 251 614 21,560 22,174 — Total real estate loans 5,559 1,592 6,013 13,164 378,121 391,285 — Commercial 18 1 64 83 21,386 21,469 — Agriculture — — — — 3,793 3,793 — Consumer installment Loans 113 1 27 141 24,427 24,568 — All other loans 6 — — 6 48 54 — Total loans $ 5,696 $ 1,594 $ 6,104 $ 13,394 $ 427,775 $ 441,169 $ — As of December 31, 2014 Loans Loans Loans Total Current Total Accruing Real estate secured: Commercial $ 2,683 $ 74 $ 2,411 $ 5,168 $ 102,894 $ 108,062 $ — Construction and land development 94 335 12 441 14,998 15,439 — Residential 1-4 family 7,885 1,728 2,346 11,959 231,579 243,538 — Multifamily 320 — — 320 14,089 14,409 — Farmland 661 453 — 1,114 24,138 25,252 — Total real estate loans 11,643 2,590 4,769 19,002 387,698 406,700 — Commercial 64 15 162 241 21,566 21,807 — Agriculture — 4 — 4 3,113 3,117 — Consumer installment Loans 153 19 21 193 25,635 25,828 — All other loans 22 6 — 28 69 97 — Total loans $ 11,882 $ 2,634 $ 4,952 $ 19,468 $ 438,081 $ 457,549 $ — The Company categorizes loans receivable into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans and leases individually by classifying the loans receivable as to credit risk. The Company uses the following definitions for risk ratings: Pass Special Mention Substandard Doubtful Based on the most recent analysis performed, the risk category of loans receivable was as follows: As of December 31, 2015 Pass Special Substandard Doubtful Total Real estate secured: Commercial $ 85,255 $ 7,543 $ 5,771 $ — $ 98,569 Construction and land development 12,262 1,974 436 — 14,672 Residential 1-4 family 229,182 3,572 10,162 — 242,916 Multifamily 12,264 187 503 — 12,954 Farmland 16,663 2,923 2,588 — 22,174 Total real estate loans 355,626 16,199 19,460 — 391,285 Commercial 20,641 724 104 — 21,469 Agriculture 3,767 — 26 — 3,793 Consumer installment loans 24,478 — 90 — 24,568 All other loans 54 — — — 54 Total $ 404,566 $ 16,923 19,680 $ — $ 441,169 As of December 31, 2014 (Dollars are in thousands) Pass Special Substandard Doubtful Total Real estate secured: Commercial $ 92,515 $ 7,925 $ 7,622 $ — $ 108,062 Construction and land development 12,974 2,041 424 — 15,439 Residential 1-4 family 230,184 1,965 11,389 — 243,538 Multifamily 13,953 146 310 — 14,409 Farmland 18,159 270 6,823 — 25,252 Total real estate loans 367,785 12,347 26,568 — 406,700 Commercial 18,495 2,548 764 — 21,807 Agriculture 3,069 — 48 — 3,117 Consumer installment loans 25,719 — 109 — 25,828 All other loans 97 — — — 97 Total $ 415,165 $ 14,895 $ 27,489 $ — $ 457,549

7. ALLOWANCE FOR LOAN LOSSES

7. ALLOWANCE FOR LOAN LOSSES	12 Months Ended
	Dec. 31, 2015
Receivables [Abstract]
7. ALLOWANCE FOR LOAN LOSSES	NOTE 7 ALLOWANCE FOR LOAN LOSSES: The following table details activity in the allowance for loan losses by portfolio segment for the period ended December 31, 2015. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. As of December 31, 2015 (Dollars are in thousands) Beginning Charge Recoveries Advances Provisions Ending Balance Real estate secured: Commercial $ 4,418 $ (724 ) $ 147 $ — $ (1,457 ) $ 2,384 Construction and land development 199 (226 ) 215 — 144 332 Residential 1-4 family 2,572 (743 ) 93 — 515 2,437 Multifamily 154 (384 ) 6 — 456 232 Farmland 913 (90 ) 214 — (362 ) 675 Total real estate loans 8,256 (2,167 ) 675 — (704 ) 6,060 Commercial 457 (92 ) 1,412 — (1,511 ) 266 Agriculture 125 — 3 — (4 ) 124 Consumer installment loans 171 (101 ) 41 — 17 128 All other loans 1 — — — — 1 Unallocated 912 — — — 2 914 Total $ 9,922 $ (2,360 ) $ 2,131 $ — $ (2,200 ) $ 7,493 Allowance for Loan Losses Recorded Investment in Loans As of December 31, 2015 (Dollars are in thousands) Individually Collectively Evaluated for Impairment Total Individually Collectively Evaluated for Impairment Total Real estate secured: Commercial $ 288 $ 2,096 $ 2,384 $ 6,715 $ 91,854 $ 98,569 Construction and land development 155 177 332 299 14,373 14,672 Residential 1-4 family 168 2,269 2,437 4,957 237,959 242,916 Multifamily — 232 232 430 12,524 12,954 Farmland 328 347 675 4,744 17,430 22,174 Total real estate loans 939 5,121 6,060 17,145 374,140 391,285 Commercial 24 242 266 69 21,400 21,469 Agriculture 18 106 124 54 3,739 3,793 Consumer installment loans 2 126 128 56 24,512 24,568 All other loans — 1 1 — 54 54 Unallocated — 914 914 — — — Total $ 983 $ 6,510 7,493 $ 17,324 $ 423,845 $ 441,169 The following table details activity in the allowance for loan losses by portfolio segment for the period ended December 31, 2014. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. As of December 31, 2014 Beginning Charge Recoveries Advances Provisions Ending Balance Real estate secured: Commercial $ 5,203 $ (2,190 ) $ 427 $ — $ 978 $ 4,418 Construction and land development 1,184 (292 ) 236 — (929 ) 199 Residential 1-4 family 3,316 (1,063 ) 148 — 171 2,572 Multifamily 133 (41 ) — — 62 154 Farmland 1,224 (830 ) 520 — (1 ) 913 Total real estate loans 11,060 (4,416 ) 1,331 — 281 8,256 Commercial 1,147 (47 ) 29 — (672 ) 457 Agriculture 337 (17 ) 1 — (196 ) 125 Consumer installment loans 153 (79 ) 40 — 57 171 All other loans 2 — — — (1 ) 1 Unallocated 381 — — — 531 912 Total $ 13,080 $ (4,559 ) $ 1,401 $ — $ — $ 9,922 Allowance for Loan Losses Recorded Investment in Loans As of December 31, 2014 (Dollars are in thousands) Individually Collectively Evaluated for Impairment Total Individually Collectively Evaluated for Impairment Total Real estate secured: Commercial $ 1,482 $ 2,936 $ 4,418 $ 8,503 $ 99,559 $ 108,062 Construction and land development 88 111 199 318 15,121 15,439 Residential 1-4 family 347 2,225 2,572 5,818 237,720 243,538 Multifamily 15 139 154 551 13,858 14,409 Farmland 343 570 913 6,871 18,381 25,252 Total real estate loans 2,275 5,981 8,256 22,061 384,639 406,700 Commercial 26 431 457 622 21,185 21,807 Agriculture 30 95 125 82 3,035 3,117 Consumer installment loans — 171 171 15 25,813 25,828 All other loans — 1 1 — 97 97 Unallocated — 912 912 — — — Total $ 2,331 $ 7,591 $ 9,922 $ 22,780 $ 434,769 $ 457,549 In determining the amount of our allowance, we rely on an analysis of our loan portfolio, our experience and our evaluation of general economic conditions, as well as the requirements of the written agreement and other regulatory input. If our assumptions prove to be incorrect, our current allowance may not be sufficient to cover future loan losses and we may experience significant increases to our provision.

8. TROUBLED DEBT RESTRUCTURINGS

8. TROUBLED DEBT RESTRUCTURINGS	12 Months Ended
	Dec. 31, 2015
Notes to Financial Statements
8. TROUBLED DEBT RESTRUCTURINGS	NOTE 8 TROUBLED DEBT RESTRUCTURINGS: At December 31, 2015 loans classified as troubled debt restructurings totaled $9.5 million compared to $10.0 million at December 31, 2014. The following table presents information related to loans modified as troubled debt restructurings during the years ended December 31, 2015 and 2014. December 31, 2015 December 31, 2014 Troubled Debt Restructurings # of Loans Pre-Mod. Recorded Investment Post-Mod. # of Pre-Mod. Post-Mod. Real estate secured: Commercial 1 $ 320 $ 313 — $ — $ — Construction and land Development 1 551 290 — — — Residential 1-4 family 2 225 221 2 596 589 Multifamily — — — — — — Farmland — — — 2 3,340 2,596 Total real estate loans 4 1,096 824 4 3,936 3,185 Commercial — — — — — — Agriculture — — — — — — Consumer installment loans — — — — — — All other loans — — — — — — Total 4 $ 1,096 $ 824 4 $ 3,936 $ 3,185 During the year ended 2015, the Company modified four loans that were considered to be troubled debt restructurings. We modified the terms for two of these loans. For the other two troubled debt restructured loans, we modified the terms and lowered the interest rate. During the year ended 2014, the Company modified four loans that were considered to be troubled debt restructurings. We modified the terms for one of these loans and for the other three loans we modified the terms and lowered the interest rate. There were no loans modified as troubled debt restructurings which defaulted during the years ended December 31, 2015 and 2014, and were within twelve months of their modification date. Generally, a troubled debt restructuring is considered to be in default once it becomes 90 days or more past due following a modification. When determining the level of the allowance for loan losses, management considers troubled debt restructurings and subsequent defaults in these restructurings in its estimate. The Company evaluates all troubled debt restructurings for possible further impairment. As a result, the allowance may be increased, adjustments may be made in the allocation of the allowance, or charge-offs may be taken to further writedown the carrying value of the loan.

9. BANK PREMISES AND EQUIPMENT

9. BANK PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2015
Property, Plant and Equipment [Abstract]
9. BANK PREMISES AND EQUIPMENT	NOTE 9 BANK PREMISES AND EQUIPMENT: Bank premises and equipment at December 31, are summarized as follows: (Dollars are in thousands) 2015 2014 Land $ 8,972 $ 9,672 Buildings and improvements 22,593 22,897 Furniture and equipment 17,713 17,719 Vehicles 590 516 Construction in progress 18 18 49,886 50,822 Less accumulated depreciation (21,738 ) (22,056 ) Bank Premises and Equipment $ 28,148 $ 28,766 Depreciation expense for 2015 and 2014 was $2.1 million and $2.2 million, respectively.

10. OTHER TIME DEPOSITS

10. OTHER TIME DEPOSITS	12 Months Ended
	Dec. 31, 2015
Notes to Financial Statements
10. OTHER TIME DEPOSITS	NOTE 10 OTHER TIME DEPOSITS: The aggregate amount of time deposits that meet or exceed the FDIC Insurance limit of $250,000 was $13.9 million and $15.7 million at December 31, 2015 and 2014, respectively. We have brokered deposits totaling $2.7 million at December 31, 2015 and 2014, respectively. At December 31, 2015, the scheduled maturities of time deposits are as follows (dollars are in thousands): 2016 $ 180,274 2017 28,331 2018 14,663 2019 10,722 2020 22,918 After five years 70 Total $ 256,978

11. INCOME TAX EXPENSE (BENEFIT

11. INCOME TAX EXPENSE (BENEFIT)	12 Months Ended
	Dec. 31, 2015
Income Tax Disclosure [Abstract]
11. INCOME TAX EXPENSE (BENEFIT)	NOTE 11 INCOME TAX EXPENSE (BENEFIT): The components of income tax expense (benefit) for the years ended December 31, are as follows: (Dollars are in thousands) 2015 2014 Current expense (benefit) $ 19 $ (5 ) Deferred tax expense (benefit) — — Net income tax expense (benefit) $ 19 $ (5 ) The net deferred tax assets and liabilities resulting from temporary differences as of December 31 are summarized as follows: (Dollars are in thousands) 2015 2014 Deferred Tax Assets Allowance for loan losses $ 2,548 $ 3,373 Deferred compensation 148 150 Accrued employee benefits 82 89 Bank owned life insurance — 50 Nonaccrual loan interest 737 752 Other real estate owned 2,214 1,386 Amortization of core deposits 119 138 Amortization of goodwill 607 701 Capitalized interest and repair expense 43 44 Net operating loss carryforward 5,150 5,986 AMT carryforward 305 252 Unrealized loss on securities available for sale 169 36 Total Assets, gross 12,122 12,957 Valuation allowance (5,655 ) (6,390 ) Total Assets, net 6,467 6,567 Deferred Tax Liabilities Accelerated depreciation 959 1,070 Prepaid expenses 44 217 Deferred loan costs 343 292 Total Liabilities, gross 1,346 1,579 Net Deferred Tax Asset $ 5,121 $ 4,988 The following table summarizes the differences between the actual income tax expense and the amounts computed using the federal statutory tax rate of 34%: (Dollars are in thousands) 2015 2014 Income tax expense (benefit) at the applicable federal rate $ 912 $ 80 Permanent differences resulting from: Nondeductible expenses 7 8 Tax exempt interest income (44 ) (42 ) State income taxes less federal tax effect (13 ) 3 Bank owned life insurance (42 ) (37 ) Deferred tax valuation allowance change, net (735 ) 38 Other adjustments (66 ) (55 ) Income tax expense (benefit) $ 19 $ (5 ) Management reviewed the December 31, 2015 deferred tax calculation to determine the need for a valuation allowance. Based on the trend of reduced levels of earning assets and net interest income, we modified the projections of taxable income over the next three years and determined that no additional deferred tax asset valuation allowance was required during 2015. A valuation allowance is provided when it is more likely than not that some portion of the deferred tax asset will not be realized. In management’s opinion, based on a three year taxable income projection and the effects of off-setting deferred tax liabilities, it is more likely than not that all the deferred tax assets, net of the $5.7 million allowance, would be realizable. Management is required to consider all evidence, both positive and negative in making this determination. As of December 31, 2015, the Company had $15.1 million of net operating loss carryforwards which will expire in 2031 thru 2035. Management expects to utilize all of these carryforwards prior to expiration. Direct charge-offs contributed to a reduction of the tax asset and are permitted as tax deductions. In addition, writedowns on other real estate owned property are expensed for book purposes but are not deductible for tax purposes until disposition of the property. Goodwill expense also was realized for book purposes in 2011 but continues to only be tax deductible based on the statutory requirements; thus, creating a deferred tax asset. When, and if, taxable income increases in the future and during the net operating loss carryforward period, this valuation allowance may be reversed and used to decrease tax obligations in the future. We do not have significant nontaxable income or nondeductible expenses. The Company’s tax filings for years ended 2013 through 2015 were at year end 2015 open to audit under statutes of limitations by the Internal Revenue Service (“IRS”) and state taxing authorities. Our tax filings for the years ended 2010, 2011, and 2012 had been under examination by the IRS. In March 2015 we received notification from the IRS that as a result of the examination no changes were made to our reported tax.

12. RELATED PARTY TRANSACTIONS

12. RELATED PARTY TRANSACTIONS	12 Months Ended
	Dec. 31, 2015
Related Party Transactions [Abstract]
12. RELATED PARTY TRANSACTIONS	NOTE 12 RELATED PARTY TRANSACTIONS: During the year, officers and directors (and companies controlled by them) were customers of and had loan transactions with the Bank in the normal course of business which amounted to $3.6 million at December 31, 2015 and $4.0 million at December 31, 2014. During the year ended December 31, 2015, total principal additions were $3.1 million and principal payments were $3.5 million, including renewals and advances on revolving lines of credit. During the year ended December 31, 2014, total principal additions were $3.2 million and principal payments were $3.1 million, including renewals and advances on revolving lines of credit. These transactions were made on substantially the same terms as those prevailing for other customers and did not involve any abnormal risk. Total related party deposits held at the Bank were $4.6 million and $5.6 million at the end of years 2015 and 2014, respectively.

13. RETIREMENT PLANS

13. RETIREMENT PLANS	12 Months Ended
	Dec. 31, 2015
Compensation and Retirement Disclosure [Abstract]
13. RETIREMENT PLANS	NOTE 13 RETIREMENT PLANS: The Company has established a qualified defined contribution plan that covers all full time employees. Effective January 1, 2012 the qualified defined contribution plan was modified where the Company matched employee contributions up to a maximum of 3% of their salary. The Company contributed $219 thousand and $240 thousand to the defined contribution plan for 2015 and 2014, respectively. In addition, in 2002, the Bank established a salary continuation plan for key executives, which is funded by single premium life insurance policies. Expenses related to the plan were $6 thousand and $45 thousand for 2015 and 2014, respectively.

14. OTHER REAL ESTATE OWNED

14. OTHER REAL ESTATE OWNED	12 Months Ended
	Dec. 31, 2015
Real Estate [Abstract]
14. OTHER REAL ESTATE OWNED	NOTE 14 OTHER REAL ESTATE OWNED: The following table summarizes the activity in other real estate owned for the years ended December 31, 2015 and 2014: (Dollars are in thousands) 2015 2014 Balance, beginning of year $ 15,049 $ 15,853 Additions 3,277 4,306 Purchases of other real estate owned 12 — Donation of other real estate owned (33 ) — Proceeds from sales (2,709 ) (3,838 ) Proceeds from insurance claims (101 ) — Adjustment of carrying value (3,246 ) (1,099 ) Deferred gain from sales 50 — Gain (loss) from sales 99 (173 ) Balance, end of year $ 12,398 $ 15,049

15. STOCK OPTION PLAN

15. STOCK OPTION PLAN	12 Months Ended
	Dec. 31, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
15. STOCK OPTION PLAN	NOTE 15 STOCK OPTION PLAN: New Peoples' Stock Option Plan (“the Plan”) was adopted on September 27, 2001. The purpose of the Plan is to reward employees and directors for services rendered and investment risks undertaken to date and to promote the success of the Company by providing incentives to employees and directors that will promote the identification of their personal interest with the long-term financial success of the Company and with growth in shareholder value. The Plan provides that options for up to 1,287,000 shares of the Company’s common stock may be issued to employees and directors. The exercise price may not be less than 100% of the fair market value of the shares on the award date. Each award becomes exercisable in the event of a change in control of the Company. All options are subject to exercise or forfeiture if the Company’s capital falls below minimum requirements, as determined by its primary state or federal regulator. The Plan expired on May 31, 2011. All options granted and outstanding are fully vested. The Company did not grant any options in 2015 and 2014. No stock options were exercised in 2015 and 2014. There were no stock options outstanding at December 31, 2015. A summary of the status of the Company’s stock option plan is presented below: 2015 2014 2013 Number of Shares Weighted Average Exercise Price Number of Shares Weighted Average Exercise Price Number of Shares Weighted Average Exercise Price Outstanding and exercisable, Beginning of year 198,183 $ 11.54 284,729 $ 11.02 371,866 $ 10.43 Exercised — — — — — — Forfeited (32,175 ) 11.54 (20,930 ) 11.04 (39,682 ) 10.30 Expired (166,008 ) 11.54 (65,616 ) 9.44 (47,455 ) 6.99 Outstanding and exercisable, End of year — $ 0.00 198,183 $ 11.54 284,729 $ 11.02

16. DIVIDEND LIMITATIONS ON SUB

16. DIVIDEND LIMITATIONS ON SUBSIDIARY BANK	12 Months Ended
	Dec. 31, 2015
Equity [Abstract]
16. DIVIDEND LIMITATIONS ON SUBSIDIARY BANK	NOTE 16 DIVIDEND LIMITATIONS ON SUBSIDIARY BANK: A principal source of funds of the Company is dividends paid by the Bank. The Federal Reserve Act restricts the amount of dividends the Bank may pay. Approval by the Board of Governors of the Federal Reserve System is required if the dividends declared by a state member bank, in any year, exceed the sum of (1) net income of the current year and (2) income net of dividends for the preceding two years. In October 2009, a restriction prohibiting the payment of dividends from the Bank to the Company was imposed by the Federal Reserve Bank of Richmond. This restriction was lifted when the Written Agreement was terminated effective January 20, 2016. For additional discussion concerning the Written Agreement, see Note 3, “Formal Written Agreement.”

17. LEASING ACTIVITIES

17. LEASING ACTIVITIES	12 Months Ended
	Dec. 31, 2015
Leases [Abstract]
17. LEASING ACTIVITIES	NOTE 17 LEASING ACTIVITIES: The Company’s leasing activities consist of the leasing of land and buildings under agreements in which the Bank is lessee. These leases have been classified as operating leases. As of December 31, 2015 and 2014, respectively, the Bank had no significant operating leases. Rental commitments of less than one year are not included. There were no rentals charged to operations under operating leases in 2015 and 2014.

18. AVAILABLE LINES OF CREDIT A

18. AVAILABLE LINES OF CREDIT AND FEDERAL HOME LOAN BANK ADVANCES	12 Months Ended
	Dec. 31, 2015
Banking and Thrift [Abstract]
18. AVAILABLE LINES OF CREDIT AND FEDERAL HOME LOAN BANK ADVANCES	NOTE 18 AVAILABLE LINES OF CREDIT AND FEDERAL HOME LOAN BANK ADVANCES: The Bank has the ability to borrow up to an additional $103.0 million from the Federal Home Loan Bank under a line of credit which is secured by a blanket lien on residential real estate loans. The Bank had no overnight borrowings subject to daily rate changes from the Federal Home Loan Bank at December 31, 2015 or 2014. All other borrowings are at fixed rates. The Bank had $3.0 million in term borrowings with the Federal Home Loan Bank at December 31, 2015 and $4.2 million at December 31, 2014. These borrowings were obtained in 2008 to fund various real estate loans. These borrowings have fixed rates with an average weighted interest rate of 4.07%, with monthly principal and interest through 2018. Letters of credit for $3.0 million and $2.0 million were issued in 2015 and a letter of credit for $7.0 million was issued in 2013 to the Treasury Board of Virginia for collateral on public funds. No draws on the letters of credit have been issued. The letters of credit are considered draws on our Federal Home Loan Bank line of credit which is secured by a blanket lien on residential real estate loans. In May 2015, we received notification that a $3.0 million unsecured fed funds line of credit facility with a correspondent bank had been reinstated. As of December 31, 2015, no balances were outstanding on this fed funds line of credit.

19. FINANCIAL INSTRUMENTS WITH

19. FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK	12 Months Ended
	Dec. 31, 2015
Investments, All Other Investments [Abstract]
19. FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK	NOTE 19 FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK: In the normal course of business, the Bank has outstanding commitments and contingent liabilities, such as commitments to extend credit and standby letters of credit, which are not included in the accompanying consolidated financial statements. The Bank’s exposure to credit loss in the event of nonperformance by the other party to the financial instruments for commitments to extend credit and standby letters of credit is represented by the contractual or notional amount of those instruments. The Bank uses the same credit policies in making such commitments as it does for instruments that are included in the balance sheet. Financial instruments whose contract amount represents credit risk were as follows: (Dollars are in thousands) 2015 2014 Commitments to extend credit $ 27,742 $ 26,082 Standby letters of credit 2,435 2,638 Commitments to extend credit are agreements to lend to a customer at either a fixed or variable interest rate as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation. Collateral held varies but may include accounts receivable, inventory, property and equipment, and income-producing commercial properties. Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Standby letters of credit generally have fixed expiration dates or other termination clauses and may require payment of a fee. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Bank’s policy for obtaining collateral, and the nature of such collateral, is essentially the same as that involved in making commitments to extend credit.

20. LEGAL CONTINGENCIES

20. LEGAL CONTINGENCIES	12 Months Ended
	Dec. 31, 2015
Commitments and Contingencies Disclosure [Abstract]
20. LEGAL CONTINGENCIES	NOTE 20 LEGAL CONTINGENCIES: Various legal claims arise from time to time in the normal course of business which, in the opinion of management, will have no material effect on the Company’s consolidated financial statements.

21. TRUST PREFERRED SECURITIES

21. TRUST PREFERRED SECURITIES AND DEFERRAL OF INTEREST PAYMENTS	12 Months Ended
	Dec. 31, 2015
Notes to Financial Statements
21. TRUST PREFERRED SECURITIES AND DEFERRAL OF INTEREST PAYMENTS	NOTE 21 TRUST PREFERRED SECURITIES AND DEFERRAL OF INTEREST PAYMENTS: On July 7, 2004, the Company completed the issuance of $11.3 million in floating rate trust preferred securities offered by its wholly owned subsidiary, NPB Capital Trust I. The proceeds of the funds were used for general corporate purposes which included capital management for affiliates, retirement of indebtedness and other investments. The securities have a floating rate of 3 month LIBOR plus 260 basis points, which resets quarterly, with a current rate at December 31, 2015 of 2.92%. On September 27, 2006, the Company completed the issuance of $5.2 million in floating rate trust preferred securities offered by its wholly owned subsidiary, NPB Capital Trust 2. The proceeds of the funds were used for general corporate purposes, which include capital management for affiliates and the acquisition of two branch banks. The securities have a floating rate of 3 month LIBOR plus 177 basis points, which resets quarterly, with a current rate at December 31, 2015 of 2.09%. Under the terms of the subordinated debt transactions, the securities have a 30-year maturity and are redeemable, in whole or in part, without penalty, at the option of the Company after five years of the issuance date. Due to the ability to defer interest and principal payments for 60 months without being considered in default, the regulatory agencies consider the trust preferred securities as Tier 1 capital up to certain limits. In October 2009, a restriction to pay dividends from the Bank to the Company was issued by the Federal Reserve Bank of Richmond. In July 2010 the Company and the Bank entered into the Written Agreement discussed in Note 3. The Written Agreement prohibited the payment of interest on the trust preferred securities without prior regulatory approval. As a result, interest on trust preferred securities was deferred. This deferral was for a period of 60 months, and was set to expire on January 7, 2015. In the fourth quarter of 2014, the Company requested and received regulatory approval to pay the cumulative deferred interest on the trust preferred securities due on January 7, 2015 totaling $2.5 million, which the Company paid on December 10, 2014. As a result of this payment there was no interest in arrears on the trust preferred securities as of December 31, 2014. At this time the Company is not deferring the quarterly interest payments on the trust preferred securities. However, as discussed above, regulatory approval was needed to pay the interest. In March 2015 the Company requested and received regulatory approval to pay the $107 thousand in interest on the trust preferred securities due on April 7, 2015, which the Company paid on April 3, 2015. In June 2015 the Company requested and received regulatory approval to pay the $109 thousand in interest on the trust preferred securities due on July 7, 2015, which the Company paid on July 2, 2015. In September 2015 the Company requested and received regulatory approval to pay the $111 thousand in interest on the trust preferred securities due on October 7, 2015, which the Company paid on October 5, 2015. In December 2015 the Company requested and received regulatory approval to pay the $112 thousand in interest on the trust preferred securities due on January 7, 2016, which the Company paid on January 5, 2016. The restriction requiring regulatory approval before the payment of interest on the trust preferred securities was lifted when the Written Agreement was terminated effective January 20, 2016.

22. CAPITAL

22. CAPITAL	12 Months Ended
	Dec. 31, 2015
Banking and Thrift [Abstract]
22. CAPITAL	NOTE 22 CAPITAL: Capital Requirements and Ratios The Company and the Bank are subject to various capital requirements administered by federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and, possibly, additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s and the Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Prompt corrective action provisions are not applicable to bank holding companies. Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth in the following table) of total and Tier 1 capital (as defined) to risk-weighted assets (as defined), Tier 1 capital (as defined) to average assets (as defined), and Common Equity Tier 1 capital (as defined) to risk-weighted assets (as defined). Management believes that, as of December 31, 2015, the Company and the Bank meet all capital adequacy requirements to which they are subject. As of December 31, 2015 the Bank was well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the following tables. There are no conditions or events since the notification that management believes have changed the Company’s and Bank’s category. The Company’s and the Bank’s actual capital amounts and ratios are presented in the table as of December 31, 2015 and 2014, respectively. The December 31, 2015 ratios comply with Federal Reserve rules to align with the Basel III Capital requirements effective January 1, 2015. Actual Minimum Capital Requirement Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions (Dollars are in thousands) Amount Ratio Amount Ratio Amount Ratio December 31, 2015: Total Capital to Risk Weighted Assets The Company $ 66,649 17.80 % $ 29,954 8.0 % $ N/A N/A The Bank 65,713 17.55 % 29,954 8.0 % 37,443 10.0 % Tier 1 Capital Risk Weighted Assets: The Company 61,406 16.40 % 22,465 6.0 % N/A N/A The Bank 60,998 16.29 % 22,466 6.0 % 29,954 8.0 % Tier 1 Capital to Average Assets: The Company 61,406 9.74 % 25,229 4.0 % N/A N/A The Bank 60,998 9.67 % 25,239 4.0 % 31,549 5.0 % Common Equity Tier 1 Capital to Risk Weighted Assets: The Company 45,934 12.27 % 16,849 4.5 % N/A N/A The Bank 60,998 16.29 % 16,849 4.5 % 24,338 6.5 % December 31, 2014: Total Capital to Risk Weighted Assets The Company $ 59,816 15.98 % $ 29,948 8.0 % $ N/A N/A The Bank 58,869 15.73 % 29,938 8.0 % 37,422 10.0 % Tier 1 Capital Risk Weighted Assets: The Company 53,379 14.26 % 14,974 4.0 % N/A N/A The Bank 54,127 14.46 % 14,969 4.0 % 22,453 6.0 % Tier 1 Capital to Average Assets: The Company 53,379 8.07 % 26,453 4.0 % N/A N/A The Bank 54,127 8.19 % 26,447 4.0 % 33,058 5.0 % Capital Injections On September 29, 2014 $500 thousand was injected into the Bank’s capital from the Company. On October 9, 2014 $1.25 million was injected into the Bank’s capital from the Company. The total $1.75 million in capital injections was to increase the capital position and capital ratios of the Bank. Board of Directors and Management Exercise of Common Stock Warrants During the month of October 2014, members of the board of directors and management of the Company exercised 1,006,261 common stock warrants at a price of $1.75 per share. As a result an additional $1.76 million of capital was raised at the Company. These funds helped to offset the $1.75 million of funds used for the capital injections mentioned above. During the month of October 2015, a member of the board of directors of the Company and his family exercised 233,886 common stock warrants at a price of $1.75 per share. During the month of November 2015, a member of the board of directors of the Company exercised 225,000 common stock warrants at a price of $1.75 per share. During the month of December 2015, a member of the board of directors of the Company and his family exercised 16,542 common stock warrants at a price of $1.75 per share. As a result of these exercises an additional $832 thousand of capital was raised at the Company. The additional liquidity provided by the funds will be used by the Company to pay its operating expenses and trust preferred interest payments. Common Stock Warrants As of December 31, 2015, 882,353 common stock warrants were outstanding as compared to 1,357,781 common stock warrants as of December 31, 2014. During 2015, 475,428 of the common stock warrants were exercised at a price of $1.75. During 2014, 1,006,361 of common stock warrants were exercised at a price of $1.75. A summary of common stock warrants outstanding at December 31, 2015 follows: Expiration Date Exercise Price Number Outstanding And Exercisable Weighted Average Remaining Contractual Life December 20, 2017 $ 1.75 882,353 1.97 years Totals 882,353 1.97 years

23. FAIR VALUES

23. FAIR VALUES	12 Months Ended
	Dec. 31, 2015
Fair Value Disclosures [Abstract]
23. FAIR VALUES	NOTE 23 FAIR VALUES: The financial reporting standard, “Fair Value Measurements and Disclosures” provides a framework for measuring fair value under generally accepted accounting principles and requires disclosures about the fair value of assets and liabilities recognized in the balance sheet in periods subsequent to initial recognition, whether the measurements are made on a recurring basis (for example, available for sale investment securities) or on a nonrecurring basis (for example, impaired loans and other real estate acquired through foreclosure). Fair value is the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. Fair Value Measurements and Disclosures also establishes fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes 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 1 assets and liabilities include debt and equity securities and derivative contracts that are traded in an exchange market, as well as U. S. Treasury, other U. S. Government and agency mortgage-backed debt securities that are highly liquid and are actively traded in over-the-counter markets. 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 2 assets and liabilities include debt securities with quoted prices that are traded less frequently than exchange-traded instruments and derivative contracts whose value is determined using a pricing model with inputs that are observable in the market or can be derived principally from or corroborated by observable market data. This category generally includes certain derivative contracts and impaired loans. Level 3: Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets and liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. For example, this category generally includes certain private equity investments, retained residual interests in securitizations, residential mortgage servicing rights, and highly structured or long-term derivative contracts. Investment Securities Available for Sale – Loans - Foreclosed Assets – Assets and liabilities measured at fair value are as follows as of December 31, 2015 (for purpose of this table the impaired loans are shown net of the related allowance): (Dollars are in thousands) Quoted market price in active markets Significant other observable inputs Significant unobservable inputs (On a recurring basis) Available for sale investments U.S. Government Agencies $ — $ 41,523 $ — Taxable municipals — 3,281 — Corporate bonds — 1,939 — Mortgage backed securities — 54,899 — (On a non-recurring basis) Other real estate owned — — 12,398 Impaired loans: Real estate secured: Commercial — — 6,427 Construction and land development — — 144 Residential 1-4 family — — 4,789 Multifamily — — 430 Farmland — — 4,416 Commercial — — 45 Agriculture — — 36 Consumer installment loans — — 54 All other loans — — — Total $ — $ 101,642 $ 28,739 Assets and liabilities measured at fair value are as follows as of December 31, 2014 (for purpose of this table the impaired loans are shown net of the related allowance): (Dollars are in thousands) Quoted market price in active markets Significant other observable inputs Significant unobservable inputs (On a recurring basis) Available for sale investments U.S. Government Agencies $ — $ 44,070 $ — Taxable municipals — 288 — Corporate bonds — — — Mortgage backed securities — 55,711 — (On a non-recurring basis) Other real estate owned — — 15,049 Impaired loans: Real estate secured: Commercial — — 7,021 Construction and land development — — 230 Residential 1-4 family — — 5,471 Multifamily — — 536 Farmland — — 6,528 Commercial — — 596 Agriculture — — 52 Consumer installment loans — — 15 All other loans — — — Total $ — $ 100,069 $ 35,498 For Level 3 assets measured at fair value on a recurring or non-recurring basis as of December 31, 2015, the significant unobservable inputs used in the fair value measurements were as follows: (Dollars in thousands) Fair Value at December 31, 2015 Valuation Technique Significant Unobservable Inputs General Range of Significant Unobservable Input Values Impaired Loans $ 16,341 Appraised Value/Discounted Cash Flows/Market Value of Note Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell 0 – 18% Other Real Estate Owned $ 12,398 Appraised Value/Comparable Sales/Other Estimates from Independent Sources Discounts to reflect current market conditions and estimated costs to sell 0 – 18% Fair Value of Financial Instruments Fair value information about financial instruments, whether or not recognized in the balance sheet, for which it is practical to estimate the value is based upon the characteristics of the instruments and relevant market information. Financial instruments include cash, evidence of ownership in an entity, or contracts that convey or impose on an entity that contractual right or obligation to either receive or deliver cash for another financial instrument. The following summary presents the methodologies and assumptions used to estimate the fair value of the Company’s financial instruments presented below. The information used to determine fair value is highly subjective and judgmental in nature and, therefore, the results may not be precise. Subjective factors include, among other things, estimates of cash flows, risk characteristics, credit quality, and interest rates, all of which are subject to change. Since the fair value is estimated as of the balance sheet date, the amounts that will actually be realized or paid upon settlement or maturity on these various instruments could be significantly different. The following presents the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments as of December 31, 2015 and 2014. This table excludes financial instruments for which the carrying amount approximates fair value. The carrying value of cash and due from banks, federal funds sold, interest-bearing deposits, deposits with no stated maturities, trust preferred securities and accrued interest approximates fair value. The remaining financial instruments were valued based on the present value of estimated future cash flows, discounted at various rates in effect for similar instruments during the months of December 2015 and 2014. Fair Value Measurements (Dollars are in thousands) Carrying Fair Quoted market price in active markets Significant other observable inputs Significant unobservable inputs December 31, 2015 Financial Instruments – Assets Net Loans $ 433,676 $ 438,589 $ — $ 422,248 $ 16,341 Financial Instruments – Liabilities Time Deposits 256,978 256,797 — 256,797 — FHLB Advances 2,958 2,958 — 2,958 — December 31, 2014 Financial Instruments – Assets Net Loans $ 447,627 $ 451,225 $ — $ 430,776 $ 20,449 Financial Instruments – Liabilities Time Deposits 299,974 301,309 — 301,309 — FHLB Advances 4,158 4,158 — 4,158 —

24. RECENT ACCOUNTING DEVELOPME

24. RECENT ACCOUNTING DEVELOPMENTS	12 Months Ended
	Dec. 31, 2015
Accounting Changes and Error Corrections [Abstract]
24. RECENT ACCOUNTING DEVELOPMENTS	NOTE 24 RECENT ACCOUNTING DEVELOPMENTS: The following is a summary of recent authoritative announcements: In January 2015, the FASB issued guidance to eliminate from U.S. GAAP the concept of an extraordinary item, which is an event or transaction that is both (1) unusual in nature and (2) infrequently occurring. Under the new guidance, an entity will no longer (1) segregate an extraordinary item from the results of ordinary operations; (2) separately present an extraordinary item on its income statement, net of tax, after income from continuing operations; or (3) disclose income taxes and earnings-per-share data applicable to an extraordinary item. The amendments will be effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015, with early adoption permitted provided that the guidance is applied from the beginning of the fiscal year of adoption. The Company will apply the guidance prospectively. The Company does not expect these amendments to have a material effect on its financial statements. In February 2015, the FASB issued guidance which amends the consolidation requirements and significantly changes the consolidation analysis required under U.S. GAAP. Although the amendments are expected to result in the deconsolidation of many entities, the Company will need to reevaluate all its previous consolidation conclusions. The amendments will be effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015, with early adoption permitted (including during an interim period), provided that the guidance is applied as of the beginning of the annual period containing the adoption date. The Company does not expect these amendments to have a material effect on its financial statements. In June 2015, the FASB issued amendments to clarify the ASC, correct unintended application of guidance, and make minor improvements to the ASC that are not expected to have a significant effect on current accounting practice or create a significant cost to most entities. The amendments were effective upon issuance (June 12, 2015) for amendments that do not have transition guidance. Amendments that are subject to transition guidance will be effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted, including adoption in an interim period. The Company does not expect these amendments to have a material effect on its financial statements. In August 2015, the FASB deferred the effective date of ASU 2014-09, Revenue from Contracts with Customers. As a result of the deferral the guidance in ASU 2014-09 will be effective for the Company for reporting periods beginning after December 15, 2017. The Company does not expect these amendments to have a material effect on its financial statements. In August 2015, the FASB issued amendments to the Interest topic of the ASC to clarify the SEC staff’s position on presenting and measuring debt issuance costs incurred in connection with line-of-credit arrangements. The amendments were effective upon issuance. The Company does not expect these amendments to have a material effect on its financial statements. In November 2015, the FASB amended the Income Taxes topic of the Accounting Standards Codification simplify the presentation of deferred income taxes by requiring that deferred tax liabilities and assets be classified as noncurrent in a classified statement of financial position. The amendments will be effective for financial statements issued for annual periods beginning after December 15, 2016, and interim periods within those annual periods, with early adoption permitted as of the beginning of an interim or annual reporting period. The Company will apply the guidance prospectively. The Company does not expect these amendments to have a material effect on its financial statements. In January 2016, the FASB amended the Financial Instruments topic of the Accounting Standards Codification to address certain aspects of recognition, measurement, presentation, and disclosure of financial instruments. The amendments will be effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. The Company will apply the guidance by means of a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption. The amendments related to equity securities without readily determinable fair values will be applied prospectively to equity investments that exist as of the date of adoption of the amendments. The Company does not expect these amendments to have a material effect on its financial statements. Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company’s financial position, results of operations or cash flows.

25. PARENT CORPORATION ONLY FIN

25. PARENT CORPORATION ONLY FINANCIAL STATEMENTS	12 Months Ended
	Dec. 31, 2015
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
25. PARENT CORPORATION ONLY FINANCIAL STATEMENTS	NOTE 25 PARENT CORPORATION ONLY FINANCIAL STATEMENTS: CONDENSED BALANCE SHEETS AS OF DECEMBER 31, 2015 AND 2014 (Dollars in Thousands) 2015 2014 ASSETS Due from banks $ 1,445 $ 1,091 Investment in subsidiaries 60,672 57,635 Other assets 589 687 Total Assets $ 62,706 $ 59,413 LIABILITIES Accrued interest payable $ 104 $ — Accrued expenses and other liabilities 19 66 Trust preferred securities 16,496 16,496 Total Liabilities 16,619 16,562 STOCKHOLDERS’ EQUITY Common stock - $2.00 par value, 50,000,000 shares authorized; 23,354,082 and 22,878,654 shares issued and outstanding at December 31, 2015 and 2014, respectively 46,708 45,757 Common stock warrants 764 1,176 Additional paid capital 13,965 13,672 Retained deficit (15,023 ) (17,685 ) Accumulated other comprehensive loss (327 ) (69 ) Total Stockholders’ Equity 46,087 42,851 Total Liabilities and Stockholders’ Equity $ 62,706 $ 59,413 CONDENSED STATEMENTS OF INCOME FOR THE YEARS ENDED DECEMBER 31, 2015 AND 2014 (Dollars in Thousands) 2015 2014 Income Miscellaneous income $ 13 $ 15 Undistributed income of subsidiaries 3,295 1,056 Total income 3,308 1,071 Expenses Trust preferred securities interest expense 440 545 Legal fees 23 126 Accounting fees 114 112 Other operating expenses 69 48 Total Expenses 646 831 Income before Income Taxes 2,662 240 Income Tax Expense (Benefit) — — Net Income $ 2,662 $ 240 CONDENSED STATEMENTS OF CASH FLOWS FOR THE YEARS ENDED DECEMBER 31, 2015 AND 2014 (Dollars in Thousands) 2015 2014 Cash Flows From Operating Activities Net income $ 2,662 $ 240 Adjustments to reconcile net income to net cash used in operating activities: Income of subsidiaries (3,295 ) (1,056 ) Net change in: Other assets 98 (43 ) Other liabilities 57 (2,475 ) Net Cash Used in Operating Activities (478 ) (3,334 ) Cash Flows From Investing Activities Investment in subsidiary — (1,750 ) Net Cash Used in Investing Activities — (1,750 ) Cash Flows From Financing Activities Exercise of common stock warrants 832 1,760 Net Cash Provided by Financing Activities 832 1,760 Net increase (decrease) in Cash and Cash Equivalents 354 (3,324 ) Cash and Cash Equivalents, Beginning of year 1,091 4,415 Cash and Cash Equivalents, End of Year $ 1,445 $ 1,091 Supplemental Disclosure of Cash Paid During the Year for: Interest $ 327 $ 2,508 Taxes $ — $ —

26. SELECTED QUARTERLY INFORMAT

26. SELECTED QUARTERLY INFORMATION (UNAUDITED)	12 Months Ended
	Dec. 31, 2015
Quarterly Financial Information Disclosure [Abstract]
26. SELECTED QUARTERLY INFORMATION (UNAUDITED)	NOTE 26 SELECTED QUARTERLY INFORMATION (UNAUDITED) 2015 QUARTERS (Dollars in thousands except per share data) Fourth Third Second First Income statement Net interest income $ 5,922 $ 5,668 $ 5,601 $ 5,410 Noninterest income 1,641 1,777 1,541 1,444 Provision for loan losses (1,000 ) (1,200 ) — — Noninterest expense 9,276 6,338 6,680 6,229 Net income (loss) (715 ) 2,293 462 622 Earnings (loss) per share, basic (0.03 ) 0.10 0.02 0.03 Earnings (loss) per share, fully diluted (0.03 ) 0.10 0.02 0.03 Period end balance sheet Total loans receivable $ 441,169 $ 438,538 $ 443,775 $ 449,929 Total assets 625,898 633,758 642,774 660,130 Total deposits 558,019 564,623 576,597 593,324 Total shareholders’ equity 46,087 46,409 43,736 43,863 2014 QUARTERS (Dollars in thousands except per share data) Fourth Third Second First Income statement Net interest income $ 5,554 $ 5,644 $ 5,647 $ 5,743 Noninterest income 1,716 1,610 1,376 1,539 Provision for loan losses — — — — Noninterest expense 7,190 6,865 7,184 7,355 Net income (loss) 76 393 (157 ) (72 ) Earnings (loss) per share, basic 0.00 0.02 (0.01 ) 0.00 Earnings (loss) per share, fully diluted 0.00 0.02 (0.01 ) 0.00 Period end balance sheet Total loans receivable $ 457,549 $ 463,942 $ 471,646 $ 482,746 Total assets 651,084 669,449 682,816 696,501 Total deposits 585,192 602,847 616,883 630,212 Total shareholders’ equity 42,851 40,667 40,233 40,126

2. SUMMARY OF SIGNIFICANT ACC34

2. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
Consolidation Policy	Consolidation Policy
Use of Estimates	Use of Estimates -
Cash and Cash Equivalents	Cash and Cash Equivalents
Investment Securities	Investment Securities The amortization of premiums and accretion of discounts are recognized in interest income using the effective interest method over the period to maturity. Realized gains and losses on dispositions are based on the net proceeds and the adjusted book value of the securities sold, using the specific identification method. Realized gains (losses) on securities available-for-sale are included in noninterest income and, when applicable, are reported as a reclassification adjustment, net of tax, in other comprehensive income. Unrealized gains and losses on investment securities available for sale are based on the difference between book value and fair value of each security. These gains and losses are credited or charged to other comprehensive income, net of tax, whereas realized gains and losses flow through the statements of income.
Loans	Loans – It is the Company’s policy to stop accruing interest on a loan, and classify that loan as non-accrual under the following circumstances: (a) whenever we are advised by the borrower that scheduled payment or interest payments cannot be met, (b) when our best judgment indicates that payment in full of principal and interest can no longer be expected, or (c) when any such loan or obligation becomes delinquent for 90 days unless it is both well secured and in the process of collection. All interest accrued but not collected for loans that are place on nonaccrual 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 prospects for future contractual payments are reasonably assured. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent.
Significant Group Concentration of Credit Risk	Significant Group Concentrations of Credit Risk –
Allowance for Loan Losses	Allowance for Loan Losses – The allowance is increased by a provision for loan losses, which is charged to expense and reduced by charge-offs, net of recoveries. Loans are charged against the allowance for loan losses when management believes that collectability of all or part of the principal is unlikely. Past due status is determined based on contractual terms. In regard to our consumer and consumer real estate loan portfolio, the Company uses the guidance found in the Uniform Retail Credit Classification and Account Management Policy which affects our estimate of the allowance for loan losses. Under this approach, a consumer or consumer real estate loan must initially have a credit risk grade of Pass or better. Subsequently, if the loan becomes contractually 90 days past due or the borrower files for bankruptcy protection, the loan is downgraded to Substandard and placed in nonaccrual status. If the loan is unsecured, upon being deemed Substandard, the entire loan amount is charged off. For non 1-4 family residential loans that are 90 days past due or greater, or in bankruptcy, the collateral value less estimated liquidation costs is compared to the loan balance to calculate any potential deficiency. If the collateral is sufficient then no charge-off is necessary. If a deficiency exists, then upon the loan becoming contractually 120 days past due, the deficiency is charged-off against the allowance for loan loss. In the case of 1-4 family residential or home equity loans, upon the loan becoming 120 days past due, a current value is obtained and after application of an estimated liquidation discount, a comparison is made to the loan balance to calculate any deficiency. Subsequently, any noted deficiency is then charged-off against the allowance for loan loss when the loan becomes contractually 180 days past due. If the customer has filed bankruptcy, then within 60 days of the bankruptcy notice, any calculated deficiency is charged-off against the allowance for loan loss. Collection efforts continue by means of repossessions or foreclosures, and upon bank ownership, liquidation ensues.
Other Real Estate Owned	Other Real Estate Owned
Bank Premises and Equipment	Bank Premises and Equipment Type Estimated useful life Buildings 39 years Paving and landscaping 15 years Computer equipment and software 3 to 5 years Vehicles 5 years Furniture and other equipment 5 to 7 years
Stock Options	Stock Options -
Common Stock Warrants	Common Stock Warrants
Income Taxes	Income Taxes In the event the Company has unrecognized tax expense in future accounting periods, the Company will recognize interest in interest expense and penalties in operating expenses. There were no interest or penalties related to an unrecognized tax position for the years ended December 31, 2015 and 2014. Because of the impact of deferred tax accounting, other than interest and penalties, the reversal of the Company’s treatment by taxing authorities would not affect the annual effective tax rate but would defer or accelerate the payment of cash to the taxing authority. The Company’s tax filings for years ended 2013 through 2015 are currently open to audit under statutes of limitations by the Internal Revenue Service (“IRS”) and state taxing authorities.
Financial Instruments - Off-balance-sheet instruments	Financial Instruments – Off-balance-sheet instruments
Income Per Share	Income Per Share (Amounts in Thousands, Except Share and Per Share Data) For the years ended December 31, 2015 2014 Net income $ 2,662 $ 240 Weighted average shares outstanding 22,955,391 22,099,926 Weighted average dilutive shares outstanding 22,955,391 22,099,926 Basic and diluted income per share $ 0.12 $ 0.01
Comprehensive Income (Loss)	Comprehensive Income (Loss)
Advertising Cost	Advertising Cost
Business Combination	Business Combinations
Reclassification	Reclassification
Subsequent Events	Subsequent Events

2. SUMMARY OF SIGNIFICANT ACC35

2. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
Schedule of Estimated Useful Lives	Type Estimated useful life Buildings 39 years Paving and landscaping 15 years Computer equipment and software 3 to 5 years Vehicles 5 years Furniture and other equipment 5 to 7 years
Schedule of Basic and Diluted Net Loss Per Common Share Calculations	(Amounts in Thousands, Except Share and Per Share Data) For the years ended December 31, 2015 2014 Net income $ 2,662 $ 240 Weighted average shares outstanding 22,955,391 22,099,926 Weighted average dilutive shares outstanding 22,955,391 22,099,926 Basic and diluted income per share $ 0.12 $ 0.01

5. INVESTMENT SECURITIES (Table

5. INVESTMENT SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2015
Investment securities activity
Schedule of Securities Amortized Cost and Estimated Fair Value	Gross Gross Approximate Amortized Unrealized Unrealized Fair (Dollars are in thousands) Cost Gains Losses Value December 31, 2015 U.S. Government Agencies $ 41,488 $ 244 $ 209 $ 41,523 Taxable municipals 3,337 5 61 3,281 Corporate bonds 1,944 15 20 1,939 Mortgage backed securities 55,369 41 511 54,899 Total Securities AFS 102,138 $ 305 $ 801 $ 101,642 December 31, 2014 U.S. Government Agencies $ 43,985 $ 332 $ 247 $ 44,070 Taxable municipals 293 — 5 288 Corporate bonds — — — — Mortgage backed securities 55,896 144 329 55,711 Total Securities AFS $ 100,174 $ 476 $ 581 $ 100,069
Schedule of Fair Value and Gross Unrealized Losses on Investment Securities In A Continuous Unrealized Loss Position	Less than 12 Months 12 Months or More Total (Dollars are in thousands) Fair Value Unrealized Fair Unrealized Fair Unrealized December 31, 2015 U.S. Government Agencies $ 14,995 $ 81 $ 7,708 $ 128 $ 22,073 $ 209 Taxable municipals 2,136 57 278 4 2,414 61 Corporate bonds 923 20 — — 923 20 Mtg. backed securities 38,945 354 8,719 157 47,664 511 Total Securities AFS $ 56,999 $ 512 $ 16,705 $ 289 $ 73,074 $ 801 December 31, 2014 U.S. Government Agencies $ 7,408 $ 38 $ 12,965 $ 209 $ 20,373 $ 247 Taxable municipals 288 5 — — 288 5 Mtg. backed securities 21,083 179 11,622 150 32,705 329 Total Securities AFS $ 28,779 $ 222 $ 24,587 $ 359 $ 53,366 $ 581
Amortized Cost and Fair Value Of Investment Securities Contractual Maturity	Weighted (Dollars are in thousands) Amortized Fair Average Securities Available for Sale Cost Value Yield Due in one year or less $ — $ — — % Due after one year through five years 3,178 3,176 1.22 % Due after five years through ten years 13,521 13,459 2.09 % Due after ten years 85,439 85,007 1.94 % Total $ 102,138 $ 101,642 1.93 %

6. LOANS (Tables)

6. LOANS (Tables)	12 Months Ended
	Dec. 31, 2015
Receivables [Abstract]
Summary of Loans Receivable Outstanding	(Dollars are in thousands) 2015 2014 Real estate secured: Commercial $ 98,569 $ 108,062 Construction and land development 14,672 15,439 Residential 1-4 family 242,916 243,538 Multifamily 12,954 14,409 Farmland 22,174 25,252 Total real estate loans 391,285 406,700 Commercial 21,469 21,807 Agriculture 3,793 3,117 Consumer installment loans 24,568 25,828 All other loans 54 97 Total loans $ 441,169 $ 457,549
Summary of Loans Receivable on Nonaccrual Status	(Dollars are in thousands) 2015 2014 Real estate secured: Commercial $ 4,358 $ 6,222 Construction and land development 436 332 Residential 1-4 family 8,338 8,589 Multifamily 430 118 Farmland 1,170 5,982 Total real estate loans 14,732 21,243 Commercial 65 554 Agriculture 9 18 Consumer installment loans 41 46 All other loans — — Total loans receivable on nonaccrual status $ 14,847 $ 21,861
Summary of Impaired Loans	As of December 31, 2015 (Dollars are in thousands) Average Interest Recorded Unpaid Principal Balance Related With no related allowance recorded: Real estate secured: Commercial $ 4,534 $ 163 $ 4,212 $ 5,173 $ — Construction and land development 12 1 10 10 — Residential 1-4 family 3,506 161 3,037 3,150 — Multifamily 520 9 430 471 — Farmland 5,073 213 3,983 4,620 — Commercial 267 — — — — Agriculture 42 4 36 36 — Consumer installment loans 31 1 11 11 — All other loans — — — — — With an allowance recorded: Real estate secured: Commercial 2,935 37 2,503 2,849 288 Construction and land development 373 — 289 499 155 Residential 1-4 family 2,219 99 1,920 2,121 168 Multifamily 23 — — — — Farmland 906 38 761 778 328 Commercial 80 3 69 69 24 Agriculture 24 2 18 18 18 Consumer installment loans 19 4 45 45 2 All other loans — — — — — Total $ 20,564 $ 735 $ 17,324 $ 19,850 $ 983 As of December 31, 2014 (Dollars are in thousands) Average Interest Recorded Unpaid Principal Balance Related With no related allowance recorded: Real estate secured: Commercial $ 9,628 $ 128 $ 3,986 $ 5,166 $ — Construction and land development 248 1 15 15 — Residential 1-4 family 2,959 177 3,245 3,471 — Multifamily 370 26 438 479 — Farmland 5,383 114 5,767 6,801 — Commercial 421 — 548 674 — Agriculture 62 4 52 52 — Consumer installment loans 12 1 15 15 — All other loans — — — — — With an allowance recorded: Real estate secured: Commercial 6,338 132 4,517 4,905 1,482 Construction and land development 505 14 303 355 88 Residential 1-4 family 4,248 126 2,573 2,852 347 Multifamily 268 7 113 113 15 Farmland 2,573 59 1,104 1,116 343 Commercial 407 4 74 74 26 Agriculture 39 2 30 30 30 Consumer installment loans 10 — — — — All other loans — — — — — Total $ 33,471 $ 795 $ 22,780 $ 26,118 $ 2,331
Summary of Age Analysis of Past Due Loans Receivable	As of December 31, 2015 (Dollars are in thousands) Loans Loans Loans Total Current Total Accruing Real estate secured: Commercial $ 311 $ 105 $ 2,534 $ 2,950 $ 95,619 $ 98,569 $ — Construction and land development 144 — 17 161 14,511 14,672 — Residential 1-4 family 4,694 1,487 2,891 9,072 233,844 242,916 — Multifamily 47 — 320 367 12,587 12,954 — Farmland 363 — 251 614 21,560 22,174 — Total real estate loans 5,559 1,592 6,013 13,164 378,121 391,285 — Commercial 18 1 64 83 21,386 21,469 — Agriculture — — — — 3,793 3,793 — Consumer installment Loans 113 1 27 141 24,427 24,568 — All other loans 6 — — 6 48 54 — Total loans $ 5,696 $ 1,594 $ 6,104 $ 13,394 $ 427,775 $ 441,169 $ — As of December 31, 2014 Loans Loans Loans Total Current Total Accruing Real estate secured: Commercial $ 2,683 $ 74 $ 2,411 $ 5,168 $ 102,894 $ 108,062 $ — Construction and land development 94 335 12 441 14,998 15,439 — Residential 1-4 family 7,885 1,728 2,346 11,959 231,579 243,538 — Multifamily 320 — — 320 14,089 14,409 — Farmland 661 453 — 1,114 24,138 25,252 — Total real estate loans 11,643 2,590 4,769 19,002 387,698 406,700 — Commercial 64 15 162 241 21,566 21,807 — Agriculture — 4 — 4 3,113 3,117 — Consumer installment Loans 153 19 21 193 25,635 25,828 — All other loans 22 6 — 28 69 97 — Total loans $ 11,882 $ 2,634 $ 4,952 $ 19,468 $ 438,081 $ 457,549 $ —
Summary of Risk Category of Loans Receivable	As of December 31, 2015 Pass Special Substandard Doubtful Total Real estate secured: Commercial $ 85,255 $ 7,543 $ 5,771 $ — $ 98,569 Construction and land development 12,262 1,974 436 — 14,672 Residential 1-4 family 229,182 3,572 10,162 — 242,916 Multifamily 12,264 187 503 — 12,954 Farmland 16,663 2,923 2,588 — 22,174 Total real estate loans 355,626 16,199 19,460 — 391,285 Commercial 20,641 724 104 — 21,469 Agriculture 3,767 — 26 — 3,793 Consumer installment loans 24,478 — 90 — 24,568 All other loans 54 — — — 54 Total $ 404,566 $ 16,923 19,680 $ — $ 441,169 As of December 31, 2014 (Dollars are in thousands) Pass Special Substandard Doubtful Total Real estate secured: Commercial $ 92,515 $ 7,925 $ 7,622 $ — $ 108,062 Construction and land development 12,974 2,041 424 — 15,439 Residential 1-4 family 230,184 1,965 11,389 — 243,538 Multifamily 13,953 146 310 — 14,409 Farmland 18,159 270 6,823 — 25,252 Total real estate loans 367,785 12,347 26,568 — 406,700 Commercial 18,495 2,548 764 — 21,807 Agriculture 3,069 — 48 — 3,117 Consumer installment loans 25,719 — 109 — 25,828 All other loans 97 — — — 97 Total $ 415,165 $ 14,895 $ 27,489 $ — $ 457,549

7. ALLOWANCE FOR LOAN LOSSES (T

7. ALLOWANCE FOR LOAN LOSSES (Tables)	12 Months Ended
	Dec. 31, 2015
Receivables [Abstract]
Summary of Activity in the Allowance for Loan Losses	As of December 31, 2015 (Dollars are in thousands) Beginning Charge Recoveries Advances Provisions Ending Balance Real estate secured: Commercial $ 4,418 $ (724 ) $ 147 $ — $ (1,457 ) $ 2,384 Construction and land development 199 (226 ) 215 — 144 332 Residential 1-4 family 2,572 (743 ) 93 — 515 2,437 Multifamily 154 (384 ) 6 — 456 232 Farmland 913 (90 ) 214 — (362 ) 675 Total real estate loans 8,256 (2,167 ) 675 — (704 ) 6,060 Commercial 457 (92 ) 1,412 — (1,511 ) 266 Agriculture 125 — 3 — (4 ) 124 Consumer installment loans 171 (101 ) 41 — 17 128 All other loans 1 — — — — 1 Unallocated 912 — — — 2 914 Total $ 9,922 $ (2,360 ) $ 2,131 $ — $ (2,200 ) $ 7,493 Allowance for Loan Losses Recorded Investment in Loans As of December 31, 2015 (Dollars are in thousands) Individually Collectively Evaluated for Impairment Total Individually Collectively Evaluated for Impairment Total Real estate secured: Commercial $ 288 $ 2,096 $ 2,384 $ 6,715 $ 91,854 $ 98,569 Construction and land development 155 177 332 299 14,373 14,672 Residential 1-4 family 168 2,269 2,437 4,957 237,959 242,916 Multifamily — 232 232 430 12,524 12,954 Farmland 328 347 675 4,744 17,430 22,174 Total real estate loans 939 5,121 6,060 17,145 374,140 391,285 Commercial 24 242 266 69 21,400 21,469 Agriculture 18 106 124 54 3,739 3,793 Consumer installment loans 2 126 128 56 24,512 24,568 All other loans — 1 1 — 54 54 Unallocated — 914 914 — — — Total $ 983 $ 6,510 7,493 $ 17,324 $ 423,845 $ 441,169
Schedule of Allocation of Portion of Allowance	As of December 31, 2014 Beginning Charge Recoveries Advances Provisions Ending Balance Real estate secured: Commercial $ 5,203 $ (2,190 ) $ 427 $ — $ 978 $ 4,418 Construction and land development 1,184 (292 ) 236 — (929 ) 199 Residential 1-4 family 3,316 (1,063 ) 148 — 171 2,572 Multifamily 133 (41 ) — — 62 154 Farmland 1,224 (830 ) 520 — (1 ) 913 Total real estate loans 11,060 (4,416 ) 1,331 — 281 8,256 Commercial 1,147 (47 ) 29 — (672 ) 457 Agriculture 337 (17 ) 1 — (196 ) 125 Consumer installment loans 153 (79 ) 40 — 57 171 All other loans 2 — — — (1 ) 1 Unallocated 381 — — — 531 912 Total $ 13,080 $ (4,559 ) $ 1,401 $ — $ — $ 9,922 Allowance for Loan Losses Recorded Investment in Loans As of December 31, 2014 (Dollars are in thousands) Individually Collectively Evaluated for Impairment Total Individually Collectively Evaluated for Impairment Total Real estate secured: Commercial $ 1,482 $ 2,936 $ 4,418 $ 8,503 $ 99,559 $ 108,062 Construction and land development 88 111 199 318 15,121 15,439 Residential 1-4 family 347 2,225 2,572 5,818 237,720 243,538 Multifamily 15 139 154 551 13,858 14,409 Farmland 343 570 913 6,871 18,381 25,252 Total real estate loans 2,275 5,981 8,256 22,061 384,639 406,700 Commercial 26 431 457 622 21,185 21,807 Agriculture 30 95 125 82 3,035 3,117 Consumer installment loans — 171 171 15 25,813 25,828 All other loans — 1 1 — 97 97 Unallocated — 912 912 — — — Total $ 2,331 $ 7,591 $ 9,922 $ 22,780 $ 434,769 $ 457,549

8. TROUBLED DEBT RESTRUCTURIN39

8. TROUBLED DEBT RESTRUCTURINGS (Tables)	12 Months Ended
	Dec. 31, 2015
Notes to Financial Statements
Schedule Of Loans Modified As Troubled Debt Restructurings	December 31, 2015 December 31, 2014 Troubled Debt Restructurings # of Loans Pre-Mod. Recorded Investment Post-Mod. # of Pre-Mod. Post-Mod. Real estate secured: Commercial 1 $ 320 $ 313 — $ — $ — Construction and land Development 1 551 290 — — — Residential 1-4 family 2 225 221 2 596 589 Multifamily — — — — — — Farmland — — — 2 3,340 2,596 Total real estate loans 4 1,096 824 4 3,936 3,185 Commercial — — — — — — Agriculture — — — — — — Consumer installment loans — — — — — — All other loans — — — — — — Total 4 $ 1,096 $ 824 4 $ 3,936 $ 3,185

9. BANK PREMISES AND EQUIPMENT

9. BANK PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2015
Property, Plant and Equipment [Abstract]
Bank Premises and Equipment	(Dollars are in thousands) 2015 2014 Land $ 8,972 $ 9,672 Buildings and improvements 22,593 22,897 Furniture and equipment 17,713 17,719 Vehicles 590 516 Construction in progress 18 18 49,886 50,822 Less accumulated depreciation (21,738 ) (22,056 ) Bank Premises and Equipment $ 28,148 $ 28,766

10. OTHER TIME DEPOSITS (Tables

10. OTHER TIME DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2015
Notes to Financial Statements
Schedule of Maturities	2016 $ 180,274 2017 28,331 2018 14,663 2019 10,722 2020 22,918 After five years 70 Total $ 256,978

11. INCOME TAX EXPENSE (BENEF42

11. INCOME TAX EXPENSE (BENEFIT) (Tables)	12 Months Ended
	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Schedule of Components of Income Tax Expense	(Dollars are in thousands) 2015 2014 Current expense (benefit) $ 19 $ (5 ) Deferred tax expense (benefit) — — Net income tax expense (benefit) $ 19 $ (5 )
Schedule of Net Deferred Tax Assets and Liabilities	(Dollars are in thousands) 2015 2014 Deferred Tax Assets Allowance for loan losses $ 2,548 $ 3,373 Deferred compensation 148 150 Accrued employee benefits 82 89 Bank owned life insurance — 50 Nonaccrual loan interest 737 752 Other real estate owned 2,214 1,386 Amortization of core deposits 119 138 Amortization of goodwill 607 701 Capitalized interest and repair expense 43 44 Net operating loss carryforward 5,150 5,986 AMT carryforward 305 252 Unrealized loss on securities available for sale 169 36 Total Assets, gross 12,122 12,957 Valuation allowance (5,655 ) (6,390 ) Total Assets, net 6,467 6,567 Deferred Tax Liabilities Accelerated depreciation 959 1,070 Prepaid expenses 44 217 Deferred loan costs 343 292 Total Liabilities, gross 1,346 1,579 Net Deferred Tax Asset $ 5,121 $ 4,988
Schedule of Reconciliation of Income Tax Expense	(Dollars are in thousands) 2015 2014 Income tax expense (benefit) at the applicable federal rate $ 912 $ 80 Permanent differences resulting from: Nondeductible expenses 7 8 Tax exempt interest income (44 ) (42 ) State income taxes less federal tax effect (13 ) 3 Bank owned life insurance (42 ) (37 ) Deferred tax valuation allowance change, net (735 ) 38 Other adjustments (66 ) (55 ) Income tax expense (benefit) $ 19 $ (5 )

14. OTHER REAL ESTATE OWNED (Ta

14. OTHER REAL ESTATE OWNED (Tables)	12 Months Ended
	Dec. 31, 2015
Real Estate [Abstract]
Other Real Estate	(Dollars are in thousands) 2015 2014 Balance, beginning of year $ 15,049 $ 15,853 Additions 3,277 4,306 Purchases of other real estate owned 12 — Donation of other real estate owned (33 ) — Proceeds from sales (2,709 ) (3,838 ) Proceeds from insurance claims (101 ) — Adjustment of carrying value (3,246 ) (1,099 ) Deferred gain from sales 50 — Gain (loss) from sales 99 (173 ) Balance, end of year $ 12,398 $ 15,049

15. STOCK OPTION PLAN (Tables)

15. STOCK OPTION PLAN (Tables)	12 Months Ended
	Dec. 31, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Summary of the Status of the Company's Stock Option Plan	2015 2014 2013 Number of Shares Weighted Average Exercise Price Number of Shares Weighted Average Exercise Price Number of Shares Weighted Average Exercise Price Outstanding and exercisable, Beginning of year 198,183 $ 11.54 284,729 $ 11.02 371,866 $ 10.43 Exercised — — — — — — Forfeited (32,175 ) 11.54 (20,930 ) 11.04 (39,682 ) 10.30 Expired (166,008 ) 11.54 (65,616 ) 9.44 (47,455 ) 6.99 Outstanding and exercisable, End of year — $ 0.00 198,183 $ 11.54 284,729 $ 11.02

19. FINANCIAL INSTRUMENTS WIT45

19. FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Tables)	12 Months Ended
	Dec. 31, 2015
Investments, All Other Investments [Abstract]
Schedule of Financial Instruments with Credit Risk	(Dollars are in thousands) 2015 2014 Commitments to extend credit $ 27,742 $ 26,082 Standby letters of credit 2,435 2,638

22. CAPITAL (Tables)

22. CAPITAL (Tables)	12 Months Ended
	Dec. 31, 2015
Banking and Thrift [Abstract]
Schedule of Capital Requirements	Actual Minimum Capital Requirement Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions (Dollars are in thousands) Amount Ratio Amount Ratio Amount Ratio December 31, 2015: Total Capital to Risk Weighted Assets The Company $ 66,649 17.80 % $ 29,954 8.0 % $ N/A N/A The Bank 65,713 17.55 % 29,954 8.0 % 37,443 10.0 % Tier 1 Capital Risk Weighted Assets: The Company 61,406 16.40 % 22,465 6.0 % N/A N/A The Bank 60,998 16.29 % 22,466 6.0 % 29,954 8.0 % Tier 1 Capital to Average Assets: The Company 61,406 9.74 % 25,229 4.0 % N/A N/A The Bank 60,998 9.67 % 25,239 4.0 % 31,549 5.0 % Common Equity Tier 1 Capital to Risk Weighted Assets: The Company 45,934 12.27 % 16,849 4.5 % N/A N/A The Bank 60,998 16.29 % 16,849 4.5 % 24,338 6.5 % December 31, 2014: Total Capital to Risk Weighted Assets The Company $ 59,816 15.98 % $ 29,948 8.0 % $ N/A N/A The Bank 58,869 15.73 % 29,938 8.0 % 37,422 10.0 % Tier 1 Capital Risk Weighted Assets: The Company 53,379 14.26 % 14,974 4.0 % N/A N/A The Bank 54,127 14.46 % 14,969 4.0 % 22,453 6.0 % Tier 1 Capital to Average Assets: The Company 53,379 8.07 % 26,453 4.0 % N/A N/A The Bank 54,127 8.19 % 26,447 4.0 % 33,058 5.0 %
Summary of Common Stock Warrants Outstanding	Expiration Date Exercise Price Number Outstanding And Exercisable Weighted Average Remaining Contractual Life December 20, 2017 $ 1.75 882,353 1.97 years Totals 882,353 1.97 years

23. FAIR VALUES (Tables)

23. FAIR VALUES (Tables)	12 Months Ended
	Dec. 31, 2015
Fair Value Disclosures [Abstract]
Summary of Assets And Liabilities Measured at Fair Value	(Dollars are in thousands) Quoted market price in active markets Significant other observable inputs Significant unobservable inputs (On a recurring basis) Available for sale investments U.S. Government Agencies $ — $ 41,523 $ — Taxable municipals — 3,281 — Corporate bonds — 1,939 — Mortgage backed securities — 54,899 — (On a non-recurring basis) Other real estate owned — — 12,398 Impaired loans: Real estate secured: Commercial — — 6,427 Construction and land development — — 144 Residential 1-4 family — — 4,789 Multifamily — — 430 Farmland — — 4,416 Commercial — — 45 Agriculture — — 36 Consumer installment loans — — 54 All other loans — — — Total $ — $ 101,642 $ 28,739 Assets and liabilities measured at fair value are as follows as of December 31, 2014 (for purpose of this table the impaired loans are shown net of the related allowance): (Dollars are in thousands) Quoted market price in active markets Significant other observable inputs Significant unobservable inputs (On a recurring basis) Available for sale investments U.S. Government Agencies $ — $ 44,070 $ — Taxable municipals — 288 — Corporate bonds — — — Mortgage backed securities — 55,711 — (On a non-recurring basis) Other real estate owned — — 15,049 Impaired loans: Real estate secured: Commercial — — 7,021 Construction and land development — — 230 Residential 1-4 family — — 5,471 Multifamily — — 536 Farmland — — 6,528 Commercial — — 596 Agriculture — — 52 Consumer installment loans — — 15 All other loans — — — Total $ — $ 100,069 $ 35,498
Schedule of Significant Unobservable Inputs In Level 3 Assets	(Dollars in thousands) Fair Value at December 31, 2015 Valuation Technique Significant Unobservable Inputs General Range of Significant Unobservable Input Values Impaired Loans $ 16,341 Appraised Value/Discounted Cash Flows/Market Value of Note Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell 0 – 18% Other Real Estate Owned $ 12,398 Appraised Value/Comparable Sales/Other Estimates from Independent Sources Discounts to reflect current market conditions and estimated costs to sell 0 – 18%
Estimated Fair Value of Financial Instruments	Fair Value Measurements (Dollars are in thousands) Carrying Fair Quoted market price in active markets Significant other observable inputs Significant unobservable inputs December 31, 2015 Financial Instruments – Assets Net Loans $ 433,676 $ 438,589 $ — $ 422,248 $ 16,341 Financial Instruments – Liabilities Time Deposits 256,978 256,797 — 256,797 — FHLB Advances 2,958 2,958 — 2,958 — December 31, 2014 Financial Instruments – Assets Net Loans $ 447,627 $ 451,225 $ — $ 430,776 $ 20,449 Financial Instruments – Liabilities Time Deposits 299,974 301,309 — 301,309 — FHLB Advances 4,158 4,158 — 4,158 —

25. PARENT CORPORATION ONLY F48

25. PARENT CORPORATION ONLY FINANCIAL STATEMENTS (Tables)	12 Months Ended
	Dec. 31, 2015
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Parent Corporation Only Condensed Balance Sheets	2015 2014 ASSETS Due from banks $ 1,445 $ 1,091 Investment in subsidiaries 60,672 57,635 Other assets 589 687 Total Assets $ 62,706 $ 59,413 LIABILITIES Accrued interest payable $ 104 $ — Accrued expenses and other liabilities 19 66 Trust preferred securities 16,496 16,496 Total Liabilities 16,619 16,562 STOCKHOLDERS’ EQUITY Common stock - $2.00 par value, 50,000,000 shares authorized; 23,354,082 and 22,878,654 shares issued and outstanding at December 31, 2015 and 2014, respectively 46,708 45,757 Common stock warrants 764 1,176 Additional paid capital 13,965 13,672 Retained deficit (15,023 ) (17,685 ) Accumulated other comprehensive loss (327 ) (69 ) Total Stockholders’ Equity 46,087 42,851 Total Liabilities and Stockholders’ Equity $ 62,706 $ 59,413
Parent Corporation Only Condensed Statements of Income (Loss)	(Dollars in Thousands) 2015 2014 Income Miscellaneous income $ 13 $ 15 Undistributed income of subsidiaries 3,295 1,056 Total income 3,308 1,071 Expenses Trust preferred securities interest expense 440 545 Legal fees 23 126 Accounting fees 114 112 Other operating expenses 69 48 Total Expenses 646 831 Income before Income Taxes 2,662 240 Income Tax Expense (Benefit) — — Net Income $ 2,662 $ 240
Parent Corporation Only Condensed Statements of Cash Flows	(Dollars in Thousands) 2015 2014 Cash Flows From Operating Activities Net income $ 2,662 $ 240 Adjustments to reconcile net income to net cash used in operating activities: Income of subsidiaries (3,295 ) (1,056 ) Net change in: Other assets 98 (43 ) Other liabilities 57 (2,475 ) Net Cash Used in Operating Activities (478 ) (3,334 ) Cash Flows From Investing Activities Investment in subsidiary — (1,750 ) Net Cash Used in Investing Activities — (1,750 ) Cash Flows From Financing Activities Exercise of common stock warrants 832 1,760 Net Cash Provided by Financing Activities 832 1,760 Net increase (decrease) in Cash and Cash Equivalents 354 (3,324 ) Cash and Cash Equivalents, Beginning of year 1,091 4,415 Cash and Cash Equivalents, End of Year $ 1,445 $ 1,091 Supplemental Disclosure of Cash Paid During the Year for: Interest $ 327 $ 2,508 Taxes $ — $ —

26. SELECTED QUARTERLY INFORM49

26. SELECTED QUARTERLY INFORMATION (Tables)	12 Months Ended
	Dec. 31, 2015
Quarterly Financial Information Disclosure [Abstract]
Schedule of Selected Quarterly Information	2015 QUARTERS (Dollars in thousands except per share data) Fourth Third Second First Income statement Net interest income $ 5,922 $ 5,668 $ 5,601 $ 5,410 Noninterest income 1,641 1,777 1,541 1,444 Provision for loan losses (1,000 ) (1,200 ) — — Noninterest expense 9,276 6,338 6,680 6,229 Net income (loss) (715 ) 2,293 462 622 Earnings (loss) per share, basic (0.03 ) 0.10 0.02 0.03 Earnings (loss) per share, fully diluted (0.03 ) 0.10 0.02 0.03 Period end balance sheet Total loans receivable $ 441,169 $ 438,538 $ 443,775 $ 449,929 Total assets 625,898 633,758 642,774 660,130 Total deposits 558,019 564,623 576,597 593,324 Total shareholders’ equity 46,087 46,409 43,736 43,863 2014 QUARTERS (Dollars in thousands except per share data) Fourth Third Second First Income statement Net interest income $ 5,554 $ 5,644 $ 5,647 $ 5,743 Noninterest income 1,716 1,610 1,376 1,539 Provision for loan losses — — — — Noninterest expense 7,190 6,865 7,184 7,355 Net income (loss) 76 393 (157 ) (72 ) Earnings (loss) per share, basic 0.00 0.02 (0.01 ) 0.00 Earnings (loss) per share, fully diluted 0.00 0.02 (0.01 ) 0.00 Period end balance sheet Total loans receivable $ 457,549 $ 463,942 $ 471,646 $ 482,746 Total assets 651,084 669,449 682,816 696,501 Total deposits 585,192 602,847 616,883 630,212 Total shareholders’ equity 42,851 40,667 40,233 40,126

1. NATURE OF OPERATIONS (Detail

1. NATURE OF OPERATIONS (Details Narrative)	Jun. 09, 2003Subsidiaries
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Number of wholly owned subsidiaries	2

2. SUMMARY OF SIGNIFICANT ACC51

2. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Schedule of Estimated Useful Lives (Details)	12 Months Ended
	Dec. 31, 2015
Buildings
Estimated useful life	39 years
Paving and Landscaping
Estimated useful life	15 years
Computer equipment and software | Minimum [Member]
Estimated useful life	3 years
Computer equipment and software | Maximum [Member]
Estimated useful life	5 years
Vehicles
Estimated useful life	5 years
Furniture and other equipment | Minimum [Member]
Estimated useful life	5 years
Furniture and other equipment | Maximum [Member]
Estimated useful life	7 years

2. SUMMARY OF SIGNIFICANT ACC52

2. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Schedule of Basic and Diluted Net Loss Per Common Share Calculations (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Accounting Policies [Abstract]
Net income	$ 2,662	$ 240
Weighted average shares outstanding	22,955,391	22,099,926
Weighted average dilutive shares outstanding	22,955,391	22,099,926
Basic and diluted income per share	$ 0.12	$ 0.01

2. SUMMARY OF SIGNIFICANT ACC53

2. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Narrative) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)
Accounting Policies [Abstract]
Concentration Risk, Percentage	25.00%
Company's capital structure	$ 11,500

3. FORMAL WRITTEN AGREEMENT (De

3. FORMAL WRITTEN AGREEMENT (Details Disclosure) $ in Thousands	Sep. 30, 2015USD ($)
Formal Written Agreement [Abstract]
Minimum asset threshold for improving Bank's position under formal written agreement	$ 1,000

4. DEPOSITS IN AND FEDERAL FU55

4. DEPOSITS IN AND FEDERAL FUNDS SOLD TO BANKS (Details Narrative) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Federal funds sold and cash on deposit	$ 11,200	$ 20,900
Unsecured Fed Funds
Line of Credit	$ 3,000
MInimum Balance Required	200

5. INVESTMENT SECURITIES - Sche

5. INVESTMENT SECURITIES - Schedule of Securities Amortized Cost and Estimated Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Amortized Cost	$ 102,138	$ 100,174
Gross Unrealized Gains	305	476
Gross Unrealized Losses	801	581
Approximate Fair Value	101,642	100,069
US Government Agencies Debt Securities [Member]
Amortized Cost	41,488	43,985
Gross Unrealized Gains	244	332
Gross Unrealized Losses	209	247
Approximate Fair Value	41,523	44,070
Taxable Municipal Notes [Member]
Amortized Cost	3,337	$ 293
Gross Unrealized Gains	5
Gross Unrealized Losses	61	$ 5
Approximate Fair Value	3,281	$ 288
Corporate Debt Securities [Member]
Amortized Cost	1,944
Gross Unrealized Gains	15
Gross Unrealized Losses	20
Approximate Fair Value	1,939
Collateralized Mortgage Backed Securities [Member]
Amortized Cost	55,369	$ 55,896
Gross Unrealized Gains	41	144
Gross Unrealized Losses	511	329
Approximate Fair Value	$ 54,899	$ 55,711

5. INVESTMENT SECURITIES - Sc57

5. INVESTMENT SECURITIES - Schedule of Fair Value and Gross Unrealized Losses on Investment Securities In A Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Less than 12 Months	$ 56,999	$ 28,779
Unrealized Losses, Less than 12 Months	512	222
Fair Value, 12 Months or More	16,705	24,587
Unrealized Losses, 12 Months or More	289	359
Fair Value, Total	73,074	53,366
Unrealized Losses, Total	801	581
US Government Agencies Debt Securities [Member]
Fair Value, Less than 12 Months	14,995	7,408
Unrealized Losses, Less than 12 Months	81	38
Fair Value, 12 Months or More	7,708	12,965
Unrealized Losses, 12 Months or More	128	209
Fair Value, Total	22,073	20,373
Unrealized Losses, Total	209	247
Taxable Municipal Notes [Member]
Fair Value, Less than 12 Months	2,136	288
Unrealized Losses, Less than 12 Months	57	$ 5
Fair Value, 12 Months or More	278
Unrealized Losses, 12 Months or More	4
Fair Value, Total	2,414	$ 288
Unrealized Losses, Total	61	5
Corporate Debt Securities [Member]
Fair Value, Less than 12 Months	923
Unrealized Losses, Less than 12 Months	$ 2
Fair Value, 12 Months or More
Unrealized Losses, 12 Months or More
Fair Value, Total	$ 923
Unrealized Losses, Total	2
Collateralized Mortgage Backed Securities [Member]
Fair Value, Less than 12 Months	38,945	21,083
Unrealized Losses, Less than 12 Months	354	179
Fair Value, 12 Months or More	8,719	11,622
Unrealized Losses, 12 Months or More	157	15
Fair Value, Total	47,664	32,705
Unrealized Losses, Total	$ 511	$ 329

5. INVESTMENT SECURITIES - Amor

5. INVESTMENT SECURITIES - Amortized Cost and Fair Value Of Investment Securities Contractual Maturity (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Investment securities activity
Due in one year or less, Amortized Cost
Due after one year through five years, Amortized Cost	$ 3,178
Due after five years through ten years, Amortized Cost	13,521
Due after ten years, Amortized Cost	85,439
Amortized Cost, Total	$ 102,138	$ 100,174
Due in one year or less, Fair Value
Due after one year through five years, Fair Value	$ 3,176
Due after five years through ten years, Fair Value	13,459
Due after ten years, Fair Value	85,007
Approximate Fair Value	$ 101,642	$ 100,069
Due in one year or less, Weighted Average Yield
Due after one year through five years, Weighted Average Yield	1.22%
Due after five years through ten years, Weighted Average Yield	2.09%
Due after ten years, Weighted Average Yield	1.94%
Weighted Average Yield, Total	1.93%

5. INVESTMENT SECURITIES (Detai

5. INVESTMENT SECURITIES (Details Narrative) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Investment securities activity
Securities pledged as collateral	$ 15	$ 17

6. LOANS - Summary of Loans Rec

6. LOANS - Summary of Loans Receivable Outstanding (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Total loans and leases	$ 441,169	$ 457,549
Real Estate [Member]
Total loans and leases	391,285	406,700
Commercial
Total loans and leases	21,469	21,807
Commercial | Real Estate [Member]
Total loans and leases	98,569	108,062
Construction and Land Development | Real Estate [Member]
Total loans and leases	14,672	15,439
Residential 1-4 Family | Real Estate [Member]
Total loans and leases	242,916	243,538
Multifamily | Real Estate [Member]
Total loans and leases	12,954	14,409
Farmland | Real Estate [Member]
Total loans and leases	22,174	25,252
Agriculture
Total loans and leases	3,793	3,117
Consumer Installment Loans
Total loans and leases	24,568	25,828
Other Loans
Total loans and leases	$ 54	$ 97

6. LOANS - Summary of Loans R61

6. LOANS - Summary of Loans Receivable on Nonaccrual Status (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Total loans receivable on nonaccrual status	$ 14,847	$ 21,861
Real Estate [Member]
Total loans receivable on nonaccrual status	14,732	21,243
Commercial
Total loans receivable on nonaccrual status	65	554
Commercial | Real Estate [Member]
Total loans receivable on nonaccrual status	358	6,222
Construction and Land Development | Real Estate [Member]
Total loans receivable on nonaccrual status	436	332
Residential 1-4 Family | Real Estate [Member]
Total loans receivable on nonaccrual status	8,338	8,589
Multifamily | Real Estate [Member]
Total loans receivable on nonaccrual status	43	118
Farmland | Real Estate [Member]
Total loans receivable on nonaccrual status	117	5,982
Agriculture
Total loans receivable on nonaccrual status	9	18
Consumer Installment Loans
Total loans receivable on nonaccrual status	$ 41	$ 46
Other Loans
Total loans receivable on nonaccrual status

6. LOANS - Summary of Impaired

6. LOANS - Summary of Impaired Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Average Recorded Investment	$ 20,564	$ 33,471
Interest Income Recognized	735	795
Recorded Investment	17,324	22,780
Unpaid Principal Balance	19,850	26,118
Related Allowance	983	2,331
Impaired Financing Receivables With Related Allowance [Member] | Commercial
Average Recorded Investment	80	407
Interest Income Recognized	3	4
Recorded Investment	69	74
Unpaid Principal Balance	69	74
Related Allowance	24	26
Impaired Financing Receivables With Related Allowance [Member] | Agriculture
Average Recorded Investment	24	39
Interest Income Recognized	2	2
Recorded Investment	18	30
Unpaid Principal Balance	18	30
Related Allowance	18	30
Impaired Financing Receivables With Related Allowance [Member] | Consumer Installment Loans
Average Recorded Investment	19	$ 10
Interest Income Recognized	4
Recorded Investment	45
Unpaid Principal Balance	45
Related Allowance	$ 2
Impaired Financing Receivables With Related Allowance [Member] | Other Loans
Average Recorded Investment
Interest Income Recognized
Recorded Investment
Unpaid Principal Balance
Related Allowance
Impaired Financing Receivables With No Related Allowance [Member] | Commercial
Average Recorded Investment	$ 267	$ 421
Interest Income Recognized
Recorded Investment		$ 548
Unpaid Principal Balance		$ 674
Related Allowance
Impaired Financing Receivables With No Related Allowance [Member] | Agriculture
Average Recorded Investment	$ 42	$ 62
Interest Income Recognized	4	4
Recorded Investment	36	52
Unpaid Principal Balance	$ 36	$ 52
Related Allowance
Impaired Financing Receivables With No Related Allowance [Member] | Consumer Installment Loans
Average Recorded Investment	$ 31	$ 12
Interest Income Recognized	1	1
Recorded Investment	11	15
Unpaid Principal Balance	$ 11	$ 15
Related Allowance
Impaired Financing Receivables With No Related Allowance [Member] | Other Loans
Average Recorded Investment
Interest Income Recognized
Recorded Investment
Unpaid Principal Balance
Related Allowance
Commercial | Real Estate [Member] | Impaired Financing Receivables With Related Allowance [Member]
Average Recorded Investment	$ 2,935	$ 6,338
Interest Income Recognized	37	132
Recorded Investment	2,503	4,517
Unpaid Principal Balance	2,849	4,905
Related Allowance	288	1,482
Commercial | Real Estate [Member] | Impaired Financing Receivables With No Related Allowance [Member]
Average Recorded Investment	4,534	9,628
Interest Income Recognized	163	128
Recorded Investment	4,212	3,986
Unpaid Principal Balance	$ 5,173	$ 5,166
Related Allowance
Construction and Land Development | Real Estate [Member] | Impaired Financing Receivables With Related Allowance [Member]
Average Recorded Investment	$ 373	$ 505
Interest Income Recognized		14
Recorded Investment	$ 289	303
Unpaid Principal Balance	499	355
Related Allowance	155	88
Construction and Land Development | Real Estate [Member] | Impaired Financing Receivables With No Related Allowance [Member]
Average Recorded Investment	12	248
Interest Income Recognized	1	1
Recorded Investment	10	15
Unpaid Principal Balance	$ 10	$ 15
Related Allowance
Residential 1-4 Family | Real Estate [Member] | Impaired Financing Receivables With Related Allowance [Member]
Average Recorded Investment	$ 2,219	$ 4,248
Interest Income Recognized	99	126
Recorded Investment	1,920	2,573
Unpaid Principal Balance	2,121	2,852
Related Allowance	168	347
Residential 1-4 Family | Real Estate [Member] | Impaired Financing Receivables With No Related Allowance [Member]
Average Recorded Investment	3,506	2,959
Interest Income Recognized	161	177
Recorded Investment	3,037	3,245
Unpaid Principal Balance	$ 3,150	$ 3,471
Related Allowance
Multifamily | Real Estate [Member] | Impaired Financing Receivables With Related Allowance [Member]
Average Recorded Investment	$ 23	$ 268
Interest Income Recognized		7
Recorded Investment		113
Unpaid Principal Balance		113
Related Allowance		15
Multifamily | Real Estate [Member] | Impaired Financing Receivables With No Related Allowance [Member]
Average Recorded Investment	$ 520	370
Interest Income Recognized	9	26
Recorded Investment	430	438
Unpaid Principal Balance	$ 471	$ 479
Related Allowance
Farmland | Real Estate [Member] | Impaired Financing Receivables With Related Allowance [Member]
Average Recorded Investment	$ 906	$ 2,573
Interest Income Recognized	38	59
Recorded Investment	761	1,104
Unpaid Principal Balance	778	1,116
Related Allowance	328	343
Farmland | Real Estate [Member] | Impaired Financing Receivables With No Related Allowance [Member]
Average Recorded Investment	5,073	5,383
Interest Income Recognized	213	114
Recorded Investment	3,983	5,767
Unpaid Principal Balance	$ 4,620	$ 6,801
Related Allowance

6. LOANS - Summary of Age Analy

6. LOANS - Summary of Age Analysis of Past Due Loans Receivable (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Loans 30-59 Days Past Due	$ 5,696	$ 11,882
Loans 60-89 Days Past Due	1,594	2,634
Loans 90 or More Days Past Due	6,104	4,952
Total Past Due Loans	13,394	19,468
Current Loans	427,775	438,081
Total loans and leases	$ 441,169	$ 457,549
Accruing Loans 90 or More Days Past Due
Real Estate [Member]
Loans 30-59 Days Past Due	$ 5,559	$ 11,643
Loans 60-89 Days Past Due	1,592	2,590
Loans 90 or More Days Past Due	6,013	4,769
Total Past Due Loans	13,164	19,002
Current Loans	378,121	387,698
Total loans and leases	$ 391,285	$ 406,700
Accruing Loans 90 or More Days Past Due
Commercial | Real Estate [Member] | Impaired Financing Receivables With Related Allowance [Member]
Loans 30-59 Days Past Due	$ 311	$ 2,683
Loans 60-89 Days Past Due	105	74
Loans 90 or More Days Past Due	2,534	2,411
Total Past Due Loans	2,950	5,168
Current Loans	95,619	102,894
Total loans and leases	$ 98,569	$ 108,062
Accruing Loans 90 or More Days Past Due
Construction and Land Development | Real Estate [Member]
Total loans and leases	$ 14,672	$ 15,439
Construction and Land Development | Real Estate [Member] | Impaired Financing Receivables With Related Allowance [Member]
Loans 30-59 Days Past Due	$ 144	94
Loans 60-89 Days Past Due		335
Loans 90 or More Days Past Due	$ 17	12
Total Past Due Loans	161	441
Current Loans	14,511	14,998
Total loans and leases	$ 14,672	$ 15,439
Accruing Loans 90 or More Days Past Due
Residential 1-4 Family | Real Estate [Member]
Total loans and leases	$ 242,916	$ 243,538
Residential 1-4 Family | Real Estate [Member] | Impaired Financing Receivables With Related Allowance [Member]
Loans 30-59 Days Past Due	4,694	7,885
Loans 60-89 Days Past Due	1,487	1,728
Loans 90 or More Days Past Due	2,891	2,346
Total Past Due Loans	9,072	11,959
Current Loans	233,844	231,579
Total loans and leases	$ 242,916	$ 243,538
Accruing Loans 90 or More Days Past Due
Multifamily | Real Estate [Member]
Total loans and leases	$ 12,954	$ 14,409
Multifamily | Real Estate [Member] | Impaired Financing Receivables With Related Allowance [Member]
Loans 30-59 Days Past Due	$ 47	$ 320
Loans 60-89 Days Past Due
Loans 90 or More Days Past Due	$ 320
Total Past Due Loans	367	$ 320
Current Loans	12,587	14,089
Total loans and leases	$ 12,954	$ 14,409
Accruing Loans 90 or More Days Past Due
Farmland | Real Estate [Member]
Total loans and leases	$ 22,174	$ 25,252
Farmland | Real Estate [Member] | Impaired Financing Receivables With Related Allowance [Member]
Loans 30-59 Days Past Due	$ 363	661
Loans 60-89 Days Past Due		$ 453
Loans 90 or More Days Past Due	$ 251
Total Past Due Loans	614	$ 1,114
Current Loans	21,560	24,138
Total loans and leases	$ 22,174	$ 25,252
Accruing Loans 90 or More Days Past Due
Commercial
Loans 30-59 Days Past Due	$ 18	$ 64
Loans 60-89 Days Past Due	1	15
Loans 90 or More Days Past Due	64	162
Total Past Due Loans	83	241
Current Loans	21,386	21,566
Total loans and leases	$ 21,469	$ 21,807
Accruing Loans 90 or More Days Past Due
Commercial | Real Estate [Member]
Total loans and leases	$ 98,569	$ 108,062
Agriculture
Loans 30-59 Days Past Due
Loans 60-89 Days Past Due		$ 4
Loans 90 or More Days Past Due
Total Past Due Loans		$ 4
Current Loans	$ 3,793	3,113
Total loans and leases	$ 3,793	$ 3,117
Accruing Loans 90 or More Days Past Due
Consumer Installment Loans
Loans 30-59 Days Past Due	$ 113	$ 153
Loans 60-89 Days Past Due	1	19
Loans 90 or More Days Past Due	27	21
Total Past Due Loans	141	193
Current Loans	24,427	25,635
Total loans and leases	$ 24,568	$ 25,828
Accruing Loans 90 or More Days Past Due
Other Loans
Loans 30-59 Days Past Due	$ 6	$ 22
Loans 60-89 Days Past Due		$ 6
Loans 90 or More Days Past Due
Total Past Due Loans	$ 6	$ 28
Current Loans	48	69
Total loans and leases	$ 54	$ 97
Accruing Loans 90 or More Days Past Due

6. LOANS - Summary of Risk Cate

6. LOANS - Summary of Risk Category of Loans Receivable (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Total	$ 441,169	$ 457,549
Real Estate [Member]
Total	391,285	406,700
Pass
Total	404,566	415,165
Special Mention
Total	16,923	14,895
Substandard
Total	$ 19,680	$ 27,489
Doubtful
Total
Real Estate [Member] | Pass
Total	$ 355,626	$ 367,785
Real Estate [Member] | Special Mention
Total	16,199	12,347
Real Estate [Member] | Substandard
Total	$ 19,460	$ 26,568
Real Estate [Member] | Doubtful
Total
Commercial | Pass
Total	$ 20,641	$ 18,495
Commercial | Special Mention
Total	724	2,548
Commercial | Substandard
Total	$ 104	$ 764
Commercial | Doubtful
Total
Commercial | Real Estate [Member] | Pass
Total	$ 85,255	$ 92,515
Commercial | Real Estate [Member] | Special Mention
Total	7,543	7,925
Commercial | Real Estate [Member] | Substandard
Total	$ 5,771	$ 7,622
Commercial | Real Estate [Member] | Doubtful
Total
Construction and Land Development | Real Estate [Member]
Total	$ 14,672	$ 15,439
Construction and Land Development | Real Estate [Member] | Pass
Total	12,262	12,974
Construction and Land Development | Real Estate [Member] | Special Mention
Total	1,974	2,041
Construction and Land Development | Real Estate [Member] | Substandard
Total	$ 436	$ 424
Construction and Land Development | Real Estate [Member] | Doubtful
Total
Residential 1-4 Family | Real Estate [Member]
Total	$ 242,916	$ 243,538
Residential 1-4 Family | Real Estate [Member] | Pass
Total	229,182	230,184
Residential 1-4 Family | Real Estate [Member] | Special Mention
Total	3,572	1,965
Residential 1-4 Family | Real Estate [Member] | Substandard
Total	$ 10,162	$ 11,389
Residential 1-4 Family | Real Estate [Member] | Doubtful
Total
Multifamily | Real Estate [Member]
Total	$ 12,954	$ 14,409
Multifamily | Real Estate [Member] | Pass
Total	12,264	13,953
Multifamily | Real Estate [Member] | Special Mention
Total	187	146
Multifamily | Real Estate [Member] | Substandard
Total	$ 503	$ 310
Multifamily | Real Estate [Member] | Doubtful
Total
Farmland | Real Estate [Member]
Total	$ 22,174	$ 25,252
Farmland | Real Estate [Member] | Pass
Total	16,663	18,159
Farmland | Real Estate [Member] | Special Mention
Total	2,923	270
Farmland | Real Estate [Member] | Substandard
Total	$ 2,588	$ 6,823
Farmland | Real Estate [Member] | Doubtful
Total
Agriculture
Total	$ 3,793	$ 3,117
Agriculture | Pass
Total	$ 3,767	$ 3,069
Agriculture | Special Mention
Total
Agriculture | Substandard
Total	$ 26	$ 48
Agriculture | Doubtful
Total
Consumer Installment Loans
Total	$ 24,568	$ 25,828
Consumer Installment Loans | Pass
Total	$ 24,478	$ 25,719
Consumer Installment Loans | Special Mention
Total
Consumer Installment Loans | Substandard
Total	$ 90	$ 109
Consumer Installment Loans | Doubtful
Total
All Other Loans
Total	$ 54	$ 97
All Other Loans | Pass
Total	$ 54	$ 97
All Other Loans | Special Mention
Total
All Other Loans | Substandard
Total
All Other Loans | Doubtful
Total
Commercial
Total	$ 21,469	$ 21,807
Commercial | Real Estate [Member]
Total	$ 98,569	$ 108,062

6. LOANS (Details Narrative)

6. LOANS (Details Narrative) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)Subsidiaries	Dec. 31, 2014USD ($)
Receivables [Abstract]
Interest income not recognized on nonaccrual loans	$ 697	$ 386
Number of nonperforming loans sold | Subsidiaries	3
Nonperforming loans sold, amount	$ 5,500
Charge offs of nonperforming loans	$ 1,000

7. ALLOWANCE FOR LOAN LOSSES -

7. ALLOWANCE FOR LOAN LOSSES - Summary of Activity in the Allowance for Loan Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Balance, beginning of year	$ 9,922
Balance, End of period	7,493	$ 9,922
Commercial
Balance, beginning of year	457	1,147
Charge Offs	92	47
Recoveries	$ 1,412	$ 29
Advances
Provision for loan losses	$ 1,511	$ 672
Balance, End of period	266	457
Agriculture
Balance, beginning of year	$ 125	337
Charge Offs		17
Recoveries	$ 3	$ 1
Advances
Provision for loan losses	$ 4	$ 196
Balance, End of period	124	125
Consumer Installment Loans
Balance, beginning of year	171	153
Charge Offs	101	79
Recoveries	$ 41	$ 40
Advances
Provision for loan losses	$ 17	$ 57
Balance, End of period	128	171
All other loans
Balance, beginning of year	$ 1	$ 2
Charge Offs
Recoveries
Advances
Provision for loan losses		$ 1
Balance, End of period	$ 1	1
Unallocated
Balance, beginning of year	$ 912	$ 381
Charge Offs
Recoveries
Advances
Provision for loan losses	$ 2	$ 531
Balance, End of period	914	912
Real Estate
Balance, beginning of year	8,256	1,106
Charge Offs	2,167	4,416
Recoveries	$ 675	$ 1,331
Advances
Provision for loan losses	$ 704	$ 281
Balance, End of period	6,060	8,256
Real Estate | Commercial
Balance, beginning of year	4,418	5,203
Charge Offs	724	2,190
Recoveries	$ 147	$ 427
Advances
Provision for loan losses	$ 1,457	$ 978
Balance, End of period	2,384	4,418
Real Estate | Construction and Land Development
Balance, beginning of year	199	1,184
Charge Offs	226	292
Recoveries	$ 215	$ 236
Advances
Provision for loan losses	$ 144	$ 929
Balance, End of period	332	199
Real Estate | Residential 1-4 Family
Balance, beginning of year	2,572	3,316
Charge Offs	743	1,063
Recoveries	$ 93	$ 148
Advances
Provision for loan losses	$ 515	$ 171
Balance, End of period	2,437	2,572
Real Estate | Multifamily
Balance, beginning of year	154	133
Charge Offs	384	$ 41
Recoveries	$ 6
Advances
Provision for loan losses	$ 456	$ 62
Balance, End of period	232	154
Real Estate | Farmland
Balance, beginning of year	913	1,224
Charge Offs	90	830
Recoveries	$ 214	$ 520
Advances
Provision for loan losses	$ 362	$ 1
Balance, End of period	$ 675	$ 913

7. ALLOWANCE FOR LOAN LOSSES 67

7. ALLOWANCE FOR LOAN LOSSES - Schedule of Allocation of Portion of Allowance (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Allowance for Loan Losses, Individually Evaluated for Impairment	$ 983	$ 2,331
Allowance for Loan Losses, Collectively Evaluated for Impairment	6,510	7,591
Allowance for Loan Losses, Total	7,493	9,922
Recorded Investment in Loans, Individually Evaluated for Impairment	17,324	22,780
Recorded Investment in Loans, Collectively Evaluated for Impairment	423,845	434,769
Recorded Investment in Loans, Total	441,169	457,549
Real Estate [Member]
Allowance for Loan Losses, Individually Evaluated for Impairment	939	2,275
Allowance for Loan Losses, Collectively Evaluated for Impairment	5,121	5,981
Allowance for Loan Losses, Total	6,060	8,256
Recorded Investment in Loans, Individually Evaluated for Impairment	17,145	22,061
Recorded Investment in Loans, Collectively Evaluated for Impairment	374,140	384,639
Recorded Investment in Loans, Total	391,285	406,700
Commercial
Allowance for Loan Losses, Individually Evaluated for Impairment	24	26
Allowance for Loan Losses, Collectively Evaluated for Impairment	242	431
Allowance for Loan Losses, Total	266	457
Recorded Investment in Loans, Individually Evaluated for Impairment	69	622
Recorded Investment in Loans, Collectively Evaluated for Impairment	21,400	21,185
Recorded Investment in Loans, Total	21,469	21,807
Commercial | Real Estate [Member]
Allowance for Loan Losses, Individually Evaluated for Impairment	288	1,482
Allowance for Loan Losses, Collectively Evaluated for Impairment	2,096	2,936
Allowance for Loan Losses, Total	2,384	4,418
Recorded Investment in Loans, Individually Evaluated for Impairment	6,715	8,503
Recorded Investment in Loans, Collectively Evaluated for Impairment	91,854	99,559
Recorded Investment in Loans, Total	98,569	108,062
Construction and Land Development | Real Estate [Member]
Allowance for Loan Losses, Individually Evaluated for Impairment	155	88
Allowance for Loan Losses, Collectively Evaluated for Impairment	177	111
Allowance for Loan Losses, Total	332	199
Recorded Investment in Loans, Individually Evaluated for Impairment	299	318
Recorded Investment in Loans, Collectively Evaluated for Impairment	14,373	15,121
Recorded Investment in Loans, Total	14,672	15,439
Residential 1-4 Family | Real Estate [Member]
Allowance for Loan Losses, Individually Evaluated for Impairment	168	347
Allowance for Loan Losses, Collectively Evaluated for Impairment	2,269	2,225
Allowance for Loan Losses, Total	2,437	2,572
Recorded Investment in Loans, Individually Evaluated for Impairment	4,957	5,818
Recorded Investment in Loans, Collectively Evaluated for Impairment	237,959	237,720
Recorded Investment in Loans, Total	$ 242,916	243,538
Multifamily | Real Estate [Member]
Allowance for Loan Losses, Individually Evaluated for Impairment		15
Allowance for Loan Losses, Collectively Evaluated for Impairment	$ 232	139
Allowance for Loan Losses, Total	232	154
Recorded Investment in Loans, Individually Evaluated for Impairment	430	551
Recorded Investment in Loans, Collectively Evaluated for Impairment	12,524	13,858
Recorded Investment in Loans, Total	12,954	14,409
Farmland | Real Estate [Member]
Allowance for Loan Losses, Individually Evaluated for Impairment	328	343
Allowance for Loan Losses, Collectively Evaluated for Impairment	347	570
Allowance for Loan Losses, Total	675	913
Recorded Investment in Loans, Individually Evaluated for Impairment	4,744	6,871
Recorded Investment in Loans, Collectively Evaluated for Impairment	17,430	18,381
Recorded Investment in Loans, Total	22,174	25,252
Agriculture
Allowance for Loan Losses, Individually Evaluated for Impairment	18	30
Allowance for Loan Losses, Collectively Evaluated for Impairment	106	95
Allowance for Loan Losses, Total	124	125	$ 337
Recorded Investment in Loans, Individually Evaluated for Impairment	54	82
Recorded Investment in Loans, Collectively Evaluated for Impairment	3,739	3,035
Recorded Investment in Loans, Total	3,793	$ 3,117
Consumer Installment Loans
Allowance for Loan Losses, Individually Evaluated for Impairment	2
Allowance for Loan Losses, Collectively Evaluated for Impairment	126	$ 171
Allowance for Loan Losses, Total	128	171	153
Recorded Investment in Loans, Individually Evaluated for Impairment	56	15
Recorded Investment in Loans, Collectively Evaluated for Impairment	24,512	25,813
Recorded Investment in Loans, Total	$ 24,568	$ 25,828
Other Loans
Allowance for Loan Losses, Individually Evaluated for Impairment
Allowance for Loan Losses, Collectively Evaluated for Impairment	$ 1	$ 1
Allowance for Loan Losses, Total	$ 1	$ 1	2
Recorded Investment in Loans, Individually Evaluated for Impairment
Recorded Investment in Loans, Collectively Evaluated for Impairment	$ 54	$ 97
Recorded Investment in Loans, Total	$ 54	$ 97
Unallocated
Allowance for Loan Losses, Individually Evaluated for Impairment
Allowance for Loan Losses, Collectively Evaluated for Impairment	$ 914	$ 912
Allowance for Loan Losses, Total	$ 914	$ 912	$ 381
Recorded Investment in Loans, Individually Evaluated for Impairment
Recorded Investment in Loans, Collectively Evaluated for Impairment
Recorded Investment in Loans, Total

8. TROUBLED DEBT RESTRUCTURIN68

8. TROUBLED DEBT RESTRUCTURINGS - Schedule Of Loans Modified As Troubled Debt Restructurings (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)Subsidiaries	Dec. 31, 2014USD ($)Subsidiaries
# of Loans | Subsidiaries	4	4
Pre-Mod. Recorded Investment	$ 1,096	$ 3,936
Post-Mod. Recorded Investment	$ 824	$ 3,185
Commercial
# of Loans | Subsidiaries
Pre-Mod. Recorded Investment
Post-Mod. Recorded Investment
Agriculture
# of Loans | Subsidiaries
Pre-Mod. Recorded Investment
Post-Mod. Recorded Investment
Consumer Installment Loans
# of Loans | Subsidiaries
Pre-Mod. Recorded Investment
Post-Mod. Recorded Investment
All other loans
# of Loans | Subsidiaries
Pre-Mod. Recorded Investment
Post-Mod. Recorded Investment
Real Estate
# of Loans | Subsidiaries	4	4
Pre-Mod. Recorded Investment	$ 1,096	$ 3,936
Post-Mod. Recorded Investment	$ 824	$ 3,185
Real Estate | Commercial
# of Loans | Subsidiaries	1
Pre-Mod. Recorded Investment	$ 320
Post-Mod. Recorded Investment	$ 313
Real Estate | Construction and Land Development
# of Loans | Subsidiaries	1
Pre-Mod. Recorded Investment	$ 551
Post-Mod. Recorded Investment	$ 290
Real Estate | Residential 1-4 Family
# of Loans | Subsidiaries	2	2
Pre-Mod. Recorded Investment	$ 225	$ 596
Post-Mod. Recorded Investment	$ 221	$ 589
Real Estate | Multifamily
# of Loans | Subsidiaries
Pre-Mod. Recorded Investment
Post-Mod. Recorded Investment
Real Estate | Farmland
# of Loans | Subsidiaries		2
Pre-Mod. Recorded Investment		$ 3,340
Post-Mod. Recorded Investment		$ 2,596

8. TROUBLED DEBT RESTRUCTURIN69

8. TROUBLED DEBT RESTRUCTURINGS (Details Narrative) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Notes to Financial Statements
Total TDRs	$ 9,500	$ 10,000
Period loan is considered to be in default, days	90 days

9. BANK PREMISES AND EQUIPMEN70

9. BANK PREMISES AND EQUIPMENT - Bank Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Bank premises and Equipment, Gross, Total	$ 49,886	$ 50,822
Less accumulated depreciation	(21,738)	(22,056)
Bank Premises and Equipment, Net, Total	28,148	28,766
Land
Bank premises and Equipment, Gross, Total	8,972	9,672
Buildings and Improvements
Bank premises and Equipment, Gross, Total	22,593	22,897
Furniture and equipment
Bank premises and Equipment, Gross, Total	17,713	17,719
Vehicles
Bank premises and Equipment, Gross, Total	590	516
Construction in Progress
Bank premises and Equipment, Gross, Total	$ 18	$ 18

9. BANK PREMISES AND EQUIPMEN71

9. BANK PREMISES AND EQUIPMENT (Details Narrative) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Property, Plant and Equipment [Abstract]
Depreciation expense	$ 2,092	$ 2,216

10. OTHER TIME DEPOSITS - Sched

10. OTHER TIME DEPOSITS - Schedule of Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Notes to Financial Statements
2,016	$ 180,274
2,017	28,331
2,018	14,663
2,019	10,722
2,020	22,918
After five years	70
Total	$ 256,978	$ 299,974

10. OTHER TIME DEPOSITS (Detail

10. OTHER TIME DEPOSITS (Details Narrative) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Notes to Financial Statements
Brokered deposits	$ 2,700	$ 2,700
Aggregate time deposits meeting or exceeding FDIC insurance limit	$ 13,900	$ 15,700

11. INCOME TAX EXPENSE (BENEF74

11. INCOME TAX EXPENSE (BENEFIT) - Schedule of Components of Income Tax Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Income Tax Disclosure [Abstract]
Current expense (benefit)	$ 19	$ (5)
Deferred tax expense (benefit)
Net income tax expense (benefit)	$ 19	$ (5)

11. INCOME TAX EXPENSE (BENEF75

11. INCOME TAX EXPENSE (BENEFIT) - Schedule of Net Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Income Tax Disclosure [Abstract]
Allowance for loan losses	$ 2,548	$ 3,373
Deferred compensation	148	150
Accrued employee benefits	$ 82	89
Bank owned life insurance		50
Nonaccrual loan interest	$ 737	752
Other real estate owned	2,214	1,386
Amortization of core deposits	119	138
Amortization of goodwill	607	701
Capitalized interest and repair expense	43	44
Net operating loss carryforward	5,150	5,986
AMT carryforward	305	252
Unrealized loss on securities available for sale	169	36
Total Assets, gross	12,122	12,957
Valuation allowance	(5,655)	(6,390)
Total Assets, net	6,467	6,567
Accelerated depreciation	959	1,070
Prepaid expenses	44	217
Deferred loan costs	343	292
Unrealized gain on securities available for sale	1,346	1,579
Total Liabilities, gross	5,121	4,988
Net Deferred Tax Asset	$ 5,121	$ 4,988

11. INCOME TAX EXPENSE (BENEF76

11. INCOME TAX EXPENSE (BENEFIT) - Schedule of Reconciliation of Income Tax Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Income Tax Disclosure [Abstract]
Income tax expense (benefit) at the applicable federal rate	$ 912	$ 80
Nondeductible expenses	7	8
Tax exempt interest income	(44)	(42)
State income taxes less federal tax effect	(13)	3
Bank owned life insurance	(42)	(37)
Deferred tax valuation allowance change, net	(735)	38
Other adjustments	(66)	(55)
Net income tax expense (benefit)	$ 19	$ (5)

11. INCOME TAX EXPENSE (BENEF77

11. INCOME TAX EXPENSE (BENEFIT) (Details Narrative) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Income Tax Disclosure [Abstract]
Federal statutory tax rate	34.00%	34.00%
Valuation allowance	$ 5,655	$ 6,390
Net operating loss carryforward	$ 5,150	$ 5,986

12. RELATED PARTY TRANSACTIONS

12. RELATED PARTY TRANSACTIONS (Details Narrative) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Related Party Transactions [Abstract]
Loan transactions from officers and directors	$ 3,600	$ 4,000
Principal additions	3,100	3,200
Prinicipal payments received	3,500	3,100
Related Party Deposit Liabilities	$ 4,600	$ 5,600

13. RETIREMENT PLANS (Details N

13. RETIREMENT PLANS (Details Narrative) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Compensation and Retirement Disclosure [Abstract]
Company matched employees salary maximum percent	3.00%	3.00%
Defined contribution	$ 219	$ 240
Related expenses to salary continuation plan	$ 6	$ 45

14. OTHER REAL ESTATE OWNED - O

14. OTHER REAL ESTATE OWNED - Other Real Estate (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Real Estate [Abstract]
Balance, beginning of year	$ 15,049	$ 15,853
Additions	3,277	$ 4,306
Purchases of other real estate owned	12
Donation of other real estate owned	33
Proceeds from sales	(2,709)	$ (3,838)
Proceeds from insurance claims	(101)
Adjustment of carrying value	(3,246)	$ (1,099)
Deferred gain from sales	50
Gain (loss) from sales	99	$ (173)
Balance, end of year	$ 12,398	$ 15,049

15. STOCK OPTION PLAN - Summary

15. STOCK OPTION PLAN - Summary of the Status of the Company's Stock Option Plan (Details) - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Options Outstanding, Shares, Beginning	198,183	284,729	371,866
Options Outstanding, Weighted Average Exercise Price, Beginning	$ 11.54	$ 11.02	$ 10.43
Options Exercised, Shares
Options Exercised, Weighted Average Exercise Price
Options Forfeited, Shares	(32,175)	(20,930)	(39,682)
Options Forfeited, Weighted Average Exercise Price	$ 11.54	$ 11.04	$ 10.30
Options Expired, Shares	(166,008)	(65,616)	(47,455)
Options Expired, Weighted Average Exercise Price	$ 11.54	$ 9.44	$ 6.99
Options Outstanding, Shares, Ending		198,183	284,729
Options Outstanding, Weighted Average Exercise Price, Ending	$ 0	$ 11.54	$ 11.02

15. STOCK OPTION PLAN (Details

15. STOCK OPTION PLAN (Details Narrative)	Dec. 31, 2015shares
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Options authorized	1,287

18. AVAILABLE LINES OF CREDIT83

18. AVAILABLE LINES OF CREDIT AND FEDERAL HOME LOAN BANK ADVANCES (Details Narrative) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Banking and Thrift [Abstract]
Available additional borrowings from Federal Home Loan Banks	$ 103,000
Federal Home Loan Bank advances	5,000	$ 7,000
Term borrowings with Federal Home Loan Bank	$ 3,000	$ 4,200
Weighted average interest rate	4.07%	4.07%
Due date	2,018

19. FINANCIAL INSTRUMENTS WIT84

19. FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK - Schedule of Financial Instruments with Credit Risk (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Commitments To Extend Credit [Member]
Financial instruments with off-balance sheet risk	$ 27,742	$ 26,082
Standby Letters of Credit [Member]
Financial instruments with off-balance sheet risk	$ 2,435	$ 2,638

21. TRUST PREFERRED SECURITIE85

21. TRUST PREFERRED SECURITIES AND DEFERRAL OF INTEREST PAYMENTS (Details Narrative) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)
Securities Maturity	30 years
Minimum redemption period	5 years
Maximum interest and penalty payment deferral period	60 months
Payment of deferred interest on trust preferred securities	$ 2,500
Interest payable on trust preferred securities	107
NPB Capital Trust 1
Issuance of floating rate trust preferred securities	$ 11,300
Interest rate terms, spread over reference rate	2.92%
Basis spread description	3 month LIBOR
NPB Capital Trust 2
Issuance of floating rate trust preferred securities	$ 5,200
Interest rate terms, spread over reference rate	2.09%
Basis spread description	3 month LIBOR

22. CAPITAL - Schedule of Capit

22. CAPITAL - Schedule of Capital Requirements (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Company
Total Capital to Risk Weighted Assets, Actual, Amount	$ 66,649	$ 59,816
Total Capital to Risk Weighted Assets, Actual, Ratio	17.80%	15.98%
Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Amount	$ 29,954	$ 29,948
Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Ratio	8.00%	8.00%
Tier 1 Capital Risk Weighted Assets, Actual, Amount	$ 61,406	$ 53,379
Tier 1 Capital Risk Weighted Assets, Actual, Ratio	16.40%	14.26%
Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Amount	$ 22,465	$ 14,974
Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Ratio	6.00%	4.00%
Tier 1 Capital to Average Assets, Actual, Amount	$ 61,406	$ 53,379
Tier 1 Capital to Average Assets, Actual, Ratio	9.74%	8.07%
Tier 1 Capital to Average Assets, Minimum Capital Requirement, Amount	$ 25,229	$ 26,453
Tier 1 Capital to Average Assets, Minimum Capital Requirement, Ratio	4.00%	4.00%
Common Equity Tier 1 Capital to Risk Weighted Assets, Actual, Amount	$ 45,934
Common Equity Tier 1 Capital to Risk Weighted Assets, Actual, Ratio	12.27%
Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum Capital Requirement, Amount	$ 16,849
Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum Capital Requirement, Ratio	4.50%
Bank
Total Capital to Risk Weighted Assets, Actual, Amount	$ 65,713	$ 58,869
Total Capital to Risk Weighted Assets, Actual, Ratio	17.55%	15.73%
Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Amount	$ 29,954	$ 29,938
Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Ratio	8.00%	8.00%
Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 37,443	$ 37,422
Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	10.00%	10.00%
Tier 1 Capital Risk Weighted Assets, Actual, Amount	$ 60,998	$ 54,127
Tier 1 Capital Risk Weighted Assets, Actual, Ratio	16.29%	14.46%
Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Amount	$ 22,466	$ 14,969
Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Ratio	6.00%	4.00%
Tier 1 Capital Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 29,954	$ 22,453
Tier 1 Capital Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	8.00%	6.00%
Tier 1 Capital to Average Assets, Actual, Amount	$ 60,998	$ 54,127
Tier 1 Capital to Average Assets, Actual, Ratio	9.67%	8.19%
Tier 1 Capital to Average Assets, Minimum Capital Requirement, Amount	$ 25,239	$ 26,447
Tier 1 Capital to Average Assets, Minimum Capital Requirement, Ratio	4.00%	4.00%
Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 31,549	$ 33,058
Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	5.00%	5.00%
Common Equity Tier 1 Capital to Risk Weighted Assets, Actual, Amount	$ 60,998
Common Equity Tier 1 Capital to Risk Weighted Assets, Actual, Ratio	16.29%
Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum Capital Requirement, Amount	$ 16,849
Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum Capital Requirement, Ratio	4.50%
Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 24,338
Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	6.50%

22. CAPITAL - Summary of Common

22. CAPITAL - Summary of Common Stock Warrants Outstanding (Details) - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Banking and Thrift [Abstract]
Expiration date	Dec. 20, 2017
Exercise price	$ 1.75	$ 1.75
Number outstanding and exercisable	882,353
Weighted average remaining contractrual life	1 year 11 months

22. CAPITAL (Details Narrative)

22. CAPITAL (Details Narrative) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Banking and Thrift [Abstract]
Capital injection		$ 1,750
Capital raised at company	$ 832	$ 1,760
Common stock, shares issued	23,354,082	22,878,654
Warrants outstanding and exercisable	882,353
Common stock warrants exercised	475,428	1,006,261
Exercise price	$ 1.75	$ 1.75

23. FAIR VALUES - Summary of As

23. FAIR VALUES - Summary of Assets And Liabilities Measured at Fair Value (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Level 1
Other real estate owned
Impaired Loans
Level 2
Other real estate owned
Impaired Loans	$ 101,642	$ 100,069
Level 3
Other real estate owned	12,398	15,049
Impaired Loans	$ 28,739	$ 35,498
Recurring Basis | Level 1 | U.S. Government Agencies
Available for sale investments
Recurring Basis | Level 1 | Taxable Municipals
Available for sale investments
Recurring Basis | Level 1 | Corporate Bonds
Available for sale investments
Recurring Basis | Level 1 | Mortgage Backed Securities
Available for sale investments
Recurring Basis | Level 2 | U.S. Government Agencies
Available for sale investments	$ 41,523	$ 44,070
Recurring Basis | Level 2 | Taxable Municipals
Available for sale investments	3,281	$ 288
Recurring Basis | Level 2 | Corporate Bonds
Available for sale investments	1,939
Recurring Basis | Level 2 | Mortgage Backed Securities
Available for sale investments	$ 54,899	$ 55,711
Recurring Basis | Level 3 | U.S. Government Agencies
Available for sale investments
Recurring Basis | Level 3 | Taxable Municipals
Available for sale investments
Recurring Basis | Level 3 | Corporate Bonds
Available for sale investments
Recurring Basis | Level 3 | Mortgage Backed Securities
Available for sale investments
Nonrecurring Basis | Level 1 | Commercial
Impaired Loans
Nonrecurring Basis | Level 1 | Agriculture
Impaired Loans
Nonrecurring Basis | Level 1 | Consumer Installment Loans
Impaired Loans
Nonrecurring Basis | Level 1 | All Other Loans
Impaired Loans
Nonrecurring Basis | Level 1 | Real Estate | Commercial
Impaired Loans
Nonrecurring Basis | Level 1 | Real Estate | Construction and Land Development
Impaired Loans
Nonrecurring Basis | Level 1 | Real Estate | Residential 1-4 Family
Impaired Loans
Nonrecurring Basis | Level 1 | Real Estate | Multifamily
Impaired Loans
Nonrecurring Basis | Level 1 | Real Estate | Farmland
Impaired Loans
Nonrecurring Basis | Level 2 | Commercial
Impaired Loans
Nonrecurring Basis | Level 2 | Agriculture
Impaired Loans
Nonrecurring Basis | Level 2 | Consumer Installment Loans
Impaired Loans
Nonrecurring Basis | Level 2 | All Other Loans
Impaired Loans
Nonrecurring Basis | Level 2 | Real Estate | Commercial
Impaired Loans
Nonrecurring Basis | Level 2 | Real Estate | Construction and Land Development
Impaired Loans
Nonrecurring Basis | Level 2 | Real Estate | Residential 1-4 Family
Impaired Loans
Nonrecurring Basis | Level 2 | Real Estate | Multifamily
Impaired Loans
Nonrecurring Basis | Level 2 | Real Estate | Farmland
Impaired Loans
Nonrecurring Basis | Level 3 | Commercial
Impaired Loans	$ 45	$ 596
Nonrecurring Basis | Level 3 | Agriculture
Impaired Loans	36	52
Nonrecurring Basis | Level 3 | Consumer Installment Loans
Impaired Loans	$ 54	$ 15
Nonrecurring Basis | Level 3 | All Other Loans
Impaired Loans
Nonrecurring Basis | Level 3 | Real Estate | Commercial
Impaired Loans	$ 6,427	$ 7,021
Nonrecurring Basis | Level 3 | Real Estate | Construction and Land Development
Impaired Loans	144	230
Nonrecurring Basis | Level 3 | Real Estate | Residential 1-4 Family
Impaired Loans	4,789	5,471
Nonrecurring Basis | Level 3 | Real Estate | Multifamily
Impaired Loans	430	536
Nonrecurring Basis | Level 3 | Real Estate | Farmland
Impaired Loans	$ 4,416	$ 6,528

23. FAIR VALUES - Schedule of S

23. FAIR VALUES - Schedule of Significant Unobservable Inputs In Level 3 Assets (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)
Impaired Loans
Fair Value at December 31, 2015	$ 16,341
Valuation Technique	Appraised Value/Discounted Cash Flows/Market Value of Note
Significant Unobservable Inputs	Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell
Significant Unobservable Input Value	1800.00%
Impaired Loans | Minimum [Member]
Significant Unobservable Input Value	0.00%
Impaired Loans | Maximum [Member]
Significant Unobservable Input Value	18.00%
Other Real Estate Owned
Fair Value at December 31, 2015	$ 12,398
Valuation Technique	Appraised Value/Comparable Sales/Other Estimates from Independent Sources
Significant Unobservable Inputs	Discounts to reflect current market conditions and estimated costs to sell
Other Real Estate Owned | Minimum [Member]
Significant Unobservable Input Value	0.00%
Other Real Estate Owned | Maximum [Member]
Significant Unobservable Input Value	18.00%

23. FAIR VALUES - Estimated Fai

23. FAIR VALUES - Estimated Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Net Loans	$ 433,676	$ 447,627
Time deposits	256,978	299,974
FHLB advances	5,000	7,000
Fair Value, Estimate Not Practicable, Carrying (Reported) Amount [Member]
Net Loans	433,676	447,627
Time deposits	256,978	299,974
FHLB advances	2,958	4,158
Fair Value, Measurements, Recurring [Member]
Net Loans	438,589	451,225
Time deposits	256,797	301,309
FHLB advances	$ 2,958	$ 4,158
Fair Value, Inputs, Level 1 [Member]
Net Loans
Time deposits
FHLB advances
Fair Value, Inputs, Level 2 [Member]
Net Loans	$ 422,248	$ 430,776
Time deposits	256,797	301,309
FHLB advances	2,958	4,158
Fair Value, Inputs, Level 3 [Member]
Net Loans	$ 16,341	$ 20,449
Time deposits
FHLB advances

23. FAIR VALUES (Details Narrat

23. FAIR VALUES (Details Narrative) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value Disclosures [Abstract]
Investment securities, available for sale	$ 101,642	$ 100,069
Aggregate carrying amounts of impaired loans	16,300	20,400
Aggregate carrying amount of foreclosed assets	$ 12,400	$ 15,000

25. PARENT CORPORATION ONLY F93

25. PARENT CORPORATION ONLY FINANCIAL STATEMENTS - Parent Corporation Only Condensed Balance Sheets (Details) - USD ($) $ / shares in Units, $ in Thousands	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013
ASSETS
Due from banks	$ 15,087				$ 14,622
Other assets	2,213				2,413
LIABILITIES
Accrued interest payable	288				266
Accrued expenses and other liabilities	2,050				2,121
Trust preferred securities	16,496				16,496
Total Liabilities	579,811				608,233
STOCKHOLDERS' EQUITY
Common stock - $2.00 par value, 50,000,000 shares authorized; 23,354,082 and 22,878,654 shares issued and outstanding at December 31, 2015 and 2014, respectively	46,708				45,757
Common stock warrants	764				1,176
Retained deficit	(15,023)				(17,685)
Accumulated other comprehensive loss	(327)				(69)
Total Stockholders' Equity	46,087				42,851				$ 39,960
Total Liabilities and Stockholders' Equity	$ 625,898				$ 651,084
Common stock, par value	$ 2				$ 2
Common stock, shares authorized	50,000,000				50,000,000
Common stock, shares issued	23,354,082				22,878,654
Common stock, shares outstanding	23,354,082				22,878,654
Parent Company [Member]
ASSETS
Due from banks	$ 1,445				$ 1,091
Investment in subsidiaries	60,672				57,635
Other assets	589				687
Total Assets	62,706				$ 59,413
LIABILITIES
Accrued interest payable	104
Accrued expenses and other liabilities	19				$ 66
Trust preferred securities	16,496				16,496
Total Liabilities	16,619				16,562
STOCKHOLDERS' EQUITY
Common stock - $2.00 par value, 50,000,000 shares authorized; 23,354,082 and 22,878,654 shares issued and outstanding at December 31, 2015 and 2014, respectively	46,708				45,757
Common stock warrants	764				1,176
Additional paid capital	13,965				13,672
Retained deficit	(15,023)				(17,685)
Accumulated other comprehensive loss	(327)				(69)
Total Stockholders' Equity	46,087	$ 46,409	$ 43,736	$ 43,863	42,851	$ 40,667	$ 40,233	$ 40,126
Total Liabilities and Stockholders' Equity	$ 62,706				$ 59,413
Common stock, par value	$ 2				$ 2
Common stock, shares authorized	50,000,000				50,000,000
Common stock, shares issued	23,354,082				22,878,654
Common stock, shares outstanding	23,354,082				22,878,654

25. PARENT CORPORATION ONLY F94

25. PARENT CORPORATION ONLY FINANCIAL STATEMENTS - Parent Corporation Only Condensed Statements of Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014
Trust preferred securities interest expense									$ 440	$ 545
Other operating expenses									5,349	5,563
Total Noninterest Expenses									28,523	28,594
INCOME BEFORE INCOME TAXES									2,681	235
Income Tax Expense (Benefit)									19	(5)
NET INCOME									2,662	240
Parent Company [Member]
Miscellaneous income									13	15
Undistributed income (loss) of subsidiaries									3,295	1,056
Total income (loss)									3,308	1,071
Trust preferred securities interest expense									440	545
Legal fees									23	126
Accounting fees									114	112
Other operating expenses									69	48
Total Noninterest Expenses	$ 9,276	$ 6,338	$ 6,680	$ 6,229	$ 7,190	$ 6,865	$ 7,184	$ 7,355	646	831
INCOME BEFORE INCOME TAXES									$ 2,662	$ 240
Income Tax Expense (Benefit)
NET INCOME	$ (715)	$ 2,293	$ 462	$ 622	$ 76	$ 393	$ (157)	$ (72)	$ 2,662	$ 240

25. PARENT CORPORATION ONLY F95

25. PARENT CORPORATION ONLY FINANCIAL STATEMENTS - Parent Corporation Only Condensed Statements of Cash Flows (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014
CASH FLOWS FROM OPERATING ACTIVITIES
Net income (loss)									$ 2,662	$ 240
Net change in:
Other assets									200	158
Net Cash Provided by Operating Activities									6,495	3,192
CASH FLOWS FROM FINANCING ACTIVITIES
Net Cash Used in Financing Activities									(27,541)	(33,245)
Net increase (decrease) in cash and cash equivalents									(9,222)	(19,120)
Cash and Cash Equivalents, Beginning of the Year				$ 35,560				$ 54,680	35,560	54,680
Cash and Cash Equivalents, End of the Year	$ 26,338				$ 35,560				26,338	35,560
Supplemental Cash Flow Information
Interest									$ 3,032	$ 6,077
Taxes
Parent Company [Member]
CASH FLOWS FROM OPERATING ACTIVITIES
Net income (loss)	(715)	$ 2,293	$ 462	622	76	$ 393	$ (157)	(72)	$ 2,662	$ 240
Adjustments to reconcile net income to net cash provided by operating activities:
Income of subsidiaries									(3,295)	(1,056)
Net change in:
Other assets									98	(43)
Other liabilities									57	(2,475)
Net Cash Provided by Operating Activities									$ (478)	(3,334)
CASH FLOWS FROM INVESTING ACTIVITIES
Investment in subsidiary										(1,750)
Net Cash Provided by (Used in) Investing Activities										(1,750)
CASH FLOWS FROM FINANCING ACTIVITIES
Exercise of common stock warrants									$ 832	1,760
Net Cash Used in Financing Activities									832	1,760
Net increase (decrease) in cash and cash equivalents									354	(3,324)
Cash and Cash Equivalents, Beginning of the Year				$ 1,091				$ 4,415	1,091	4,415
Cash and Cash Equivalents, End of the Year	$ 1,445				$ 1,091				1,445	1,091
Supplemental Cash Flow Information
Interest									$ 327	$ 2,508
Taxes

26. SELECTED QUARTERLY INFORM96

26. SELECTED QUARTERLY INFORMATION - Schedule of Selected Quarterly Information (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Net interest income									$ 22,601	$ 22,588
Noninterest income									6,403	$ 6,241
Provision of loan losses									(2,200)
Noninterest expense									28,523	$ 28,594
Net income (loss)									2,662	240
Total loans and leases	$ 441,169				$ 457,549				441,169	457,549
Total assets	625,898				651,084				625,898	651,084
Total deposits	558,019				585,192				558,019	585,192
Total shareholders' equity	46,087				42,851				46,087	42,851	$ 39,960
Parent Company [Member]
Net interest income	5,922	$ 5,668	$ 5,601	$ 5,410	5,554	$ 5,644	$ 5,647	$ 5,743
Noninterest income	1,641	1,777	$ 1,541	$ 1,444	$ 1,716	$ 1,610	$ 1,376	$ 1,539
Provision of loan losses	(1,000)	(1,200)
Noninterest expense	9,276	6,338	$ 6,680	$ 6,229	$ 7,190	$ 6,865	$ 7,184	$ 7,355	646	831
Net income (loss)	$ (715)	$ 2,293	$ 462	$ 622	$ 76	$ 393	$ (157)	$ (72)	2,662	240
Earnings (loss) per share, basic	$ (0.03)	$ 0.10	$ 0.02	$ 0.03	$ 0	$ 0.02	$ (0.01)	$ 0
Earnings (loss) per share, fully diluted	$ (0.03)	$ 0.10	$ 0.02	$ 0.03	$ 0	$ 0.02	$ (0.01)	$ 0
Total loans and leases	$ 441,169	$ 438,538	$ 443,775	$ 449,929	$ 457,549	$ 463,942	$ 471,646	$ 482,746	441,169	457,549
Total assets	625,898	633,758	642,774	660,130	651,084	669,449	682,816	696,501	625,898	651,084
Total deposits	558,019	564,623	576,597	593,324	585,192	602,847	616,883	630,212	558,019	585,192
Total shareholders' equity	$ 46,087	$ 46,409	$ 43,736	$ 43,863	$ 42,851	$ 40,667	$ 40,233	$ 40,126	$ 46,087	$ 42,851