Bank of the James Financial (BOTJ) 10-Q 7 Aug 15 2015 Q2 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	6 Months Ended
	Jun. 30, 2015	Aug. 07, 2015
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Jun. 30, 2015
Document Fiscal Period Focus	Q2
Document Fiscal Year Focus	2,015
Entity Registrant Name	BANK OF THE JAMES FINANCIAL GROUP INC
Entity Central Index Key	1,275,101
Current Fiscal Year End Date	--12-31
Entity Filer Category	Smaller Reporting Company
Entity Common Stock, Shares Outstanding		3,371,616

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Assets
Cash and due from banks	$ 16,498	$ 12,743
Federal Funds Sold	2,339
Total cash and cash equivalents	18,837	12,743
Securities held-to-maturity (fair value of $2,684 in 2015 and $2,699 in 2014)	2,524	2,528
Securities available-for-sale, at fair value	29,448	24,395
Restricted stock, at cost	1,313	1,739
Loans, net of allowance for loan losses of $4,586 in 2015 and $4,790 in 2014	412,425	394,573
Loans held for sale	2,972	1,030
Premises and equipment, net	9,186	9,262
Interest receivable	1,216	1,246
Cash value - bank owned life insurance	9,648	9,512
Other real estate owned, net of valuation allowance	2,065	956
Income taxes receivable	1,006	945
Deferred tax assets, net	1,384	1,221
Other assets	812	715
Total assets	492,836	460,865
Deposits
Noninterest bearing demand	83,828	74,682
NOW, money market and savings	220,092	227,761
Time	141,466	97,054
Total deposits	445,386	399,497
Federal funds purchased		3,189
FHLB borrowings		12,000
Capital notes	10,000	10,000
Interest payable	74	58
Dividends Payable	202
Other liabilities	1,368	1,345
Total liabilities	$ 457,030	$ 426,089
Stockholders' equity
Preferred stock; authorized 1,000,000 shares; none issued and outstanding as of June 30, 2015 and December 31, 2014
Common stock $2.14 par value; authorized 10,000,000 shares; issued and outstanding 3,371,616 as of June 20, 2015 and December 31, 2014	$ 7,215	$ 7,215
Additional paid-in-capital	22,919	22,919
Retained earnings	6,376	5,031
Accumulated other comprehensive (loss)	(704)	(389)
Total stockholders' equity	35,806	34,776
Total liabilities and stockholders' equity	$ 492,836	$ 460,865

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Consolidated Balance Sheets [Abstract]
Securities held-to-maturity	$ 2,684	$ 2,699
Loans, allowance for loan losses	$ 4,586	$ 4,790
Preferred stock, shares authorized	1,000,000	1,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value	$ 2.14	$ 2.14
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	3,371,616	3,371,616
Common stock, shares outstanding	3,371,616	3,371,616

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Interest Income
Loans	$ 4,758	$ 4,268	$ 9,386	$ 8,456
Securities
US Government and agency obligations	143	174	283	354
Mortgage backed securities	18	25	28	58
Municipals - taxable	22	64	47	137
Municipals - taxable exempt	11	36	21	83
Dividends	29	26	34	32
Other (Corporates)	2	11	3	26
Interest bearing deposits	4		6
Federal Funds sold	4	6	9	9
Total interest income	4,991	4,610	9,817	9,155
Deposits
NOW, money market savings	123	121	245	239
Time Deposits	391	297	723	598
Federal Funds purchased			1	2
FHLB borrowings	3	19	28	38
Reverse repurchase agreements				1
Capital notes	150	150	300	300
Total interest expense	667	587	1,297	1,178
Net interest income	4,324	4,023	8,520	7,977
Provision for loan losses	57		157	55
Net interest income after provision for loan losses	4,267	4,023	8,363	7,922
Non-interest
Mortgage income	613	407	1,136	696
Service charges, fees and commissions	348	364	666	714
Increase in cash value of life insurance	68	72	136	143
Other	45	28	54	41
Gain on sales of available-for-sale securities, net	4	86	33	80
Total Non-interest income	1,078	957	2,025	1,674
Non-interest expenses
Salaries and employee benefits	2,128	1,904	4,211	3,789
Occupancy	312	312	601	625
Equipment	304	328	603	615
Supplies	108	97	204	202
Professional, data processing, and other outside expense	560	562	1,046	1,175
Marketing	148	132	224	229
Credit expense	63	50	136	87
Other real estate expenses	32	100	37	157
FDIC insurance expense	79	77	153	107
Other	201	195	400	380
Total non-interest expenses	3,935	3,757	7,615	7,366
Income before income taxes	1,410	1,223	2,773	2,230
Income tax expense	453	380	889	682
Net Income	$ 957	$ 843	$ 1,884	$ 1,548
Weighted average common shares outstanding - basic	3,371,616	3,364,874	3,371,616	3,364,874
Weighted average common shares outstanding- diluted	3,371,616	3,364,874	3,371,616	3,364,874
Earnings per common share - basic	$ 0.28	$ 0.25	$ 0.56	$ 0.46
Earnings per common share - diluted	$ 0.28	$ 0.25	$ 0.56	$ 0.46

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Consolidated Statements Of Comprehensive Income [Abstract]
Net Income		$ 957	$ 843	$ 1,884	$ 1,548
Other comprehensive income (loss):
Unrealized gains (losses) on securities available-for-sale		(783)	1,049	(445)	2,322
Unrealized gains on securities available-for-sale, Tax effect		267	(357)	152	(788)
Reclassification adjustment for gains included in net income	[1]	(4)	(86)	(33)	(80)
Reclassification adjustment for gains included in net income, Tax effect	[2]	1	29	11	27
Other comprehensive income (loss), net of tax		(519)	635	(315)	1,481
Comprehensive income		$ 438	$ 1,478	$ 1,569	$ 3,029
[1]	Gains are included in "gain (loss) on sale of available-for-sale securities, net" on the consolidated statements of income.
[2]	The tax effect on these reclassifications is reflected in "income tax expense" on the consolidated statements of income

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Cash flows from operating activities
Net Income	$ 957	$ 843	$ 1,884	$ 1,548
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization			381	352
Net amortization and accretion of premiums and discounts on securities			34	155
(Gain) on sales of available for-sale-securities	(4)	(86)	(33)	(80)
Provision for loan losses	57		157	55	$ 55
Loss (gain) on sale of other real estate owned			1	(2)	21
Impairment of other real estate owned			15	143
(Increase) in loans held-for-sale			(1,942)	(1,259)
(Increase) in cash value of life insurance	(68)	(72)	(136)	(143)
Decrease in interest receivable			30	133
Decrease (increase) in other assets			(97)	(38)
(Increase) in income taxes receivable			(61)	(41)
Increase (decrease) in interest payable			16	(4)
Increase in other liabilities			23	70
Net cash provided by operating activities			272	889
Cash flows from investing activities
Proceeds from maturities and calls of securities held-to-maturity				1,000
Purchases of securities available-for-sale			(12,414)	(1,553)
Proceeds from maturities, calls and paydowns of securities available-for-sale			30	103
Proceeds from sale of securities available-for-sale			6,856	13,199
Redemption of Federal Home Loan Bank stock			426	139
Proceeds from sale of other real estate owned			25	287
Improvements to other real estate owned			(25)
Origination of loans, net of principal collected			(19,134)	(18,818)
Purchases of premises and equipment			(305)	(297)
Net cash (used in) investing activities			(24,541)	(5,940)
Cash flows from financing activities
Net increase in deposits			45,889	12,863
Net (decrease) in federal funds purchased			(3,189)	(2,941)
Net (decrease) in Federal Home Loan Bank advances			(12,000)
Dividends paid to common stockholders			(337)	(168)
Net cash provided by financing activities			30,363	9,754
Increase in cash and cash equivalents			6,094	4,703
Cash and cash equivalents at beginning of period			12,743	16,671	16,671
Cash and cash equivalents at end of period	18,837	$ 21,374	18,837	21,374	$ 12,743
Non cash transactions
Transfer of loans to other real estate owned			1,125	384
Loans made to finance the sale of other real estate owned				78
Unrealized gains (losses) on securities available-for-sale			(478)	2,242
Common stock dividends declared, not paid	$ 202		202
Cash transactions
Cash paid for interest			1,281	1,182
Cash paid for taxes			$ 1,109	$ 723

Consolidated Statements Of Chan

Consolidated Statements Of Changes In Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-In Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive (Loss) [Member]	Total
Balance at Dec. 31, 2013	$ 7,201	$ 22,868	$ 2,124	$ (2,421)	$ 29,772
Balance, shares at Dec. 31, 2013	3,364,874
Net Income			1,548		1,548
Dividends declared on common stock			(168)		(168)
Other Comprehensive Income				1,481	1,481
Balance at Jun. 30, 2014	$ 7,201	22,868	3,504	(940)	32,633
Balance, shares at Jun. 30, 2014	3,364,874
Balance at Dec. 31, 2014	$ 7,215	22,919	5,031	(389)	34,776
Balance, shares at Dec. 31, 2014	3,371,616
Net Income			1,884		1,884
Dividends declared on common stock			(539)		(539)
Other Comprehensive Income				(315)	(315)
Balance at Jun. 30, 2015	$ 7,215	$ 22,919	$ 6,376	$ (704)	$ 35,806
Balance, shares at Jun. 30, 2015	3,371,616

Consolidated Statements Of Cha8

Consolidated Statements Of Changes In Stockholders' Equity (Parenthetical) - $ / shares	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Consolidated Statements Of Changes In Stockholders' Equity [Abstract]
Dividend paid on common stock, per share	$ 0.16	$ 0.05

Basis Of Presentation

Basis Of Presentation	6 Months Ended
	Jun. 30, 2015
Basis of Presentation [Abstract]
Basis Of Presentation	Note 1 – Basis of Presentation The unaudited consolidated financial statements have been prepared by Bank of the James Financial Group, Inc. (“Financial” or the “Company”) pursuant to the rules and regulations of the Securities and Exchange Commission. In management’s opinion the accompanying financial statements, which unless otherwise noted are unaudited, reflect all adjustments, consisting solely of normal recurring accruals, necessary for a fair presentation of the financial information as of and for the three and six months ended June 30 , 2015 and 2014 in conformity with accounting principles generally accepted in the United States of America. Additional information concerning the organization and business of Financial, accounting policies followed, and other related information is contained in Financial’s Annual Report on Form 10-K for the year ended December 31, 2014. These financial statements should be read in conjunction with the audited consolidated financial statements and footnotes for the year ended December 31, 2014 included in Financial’s Annual Report on Form 10-K. Results for the three and six month period s ended June 30, 2015 are not necessarily indicative of the results that may be expected for the year ending December 31, 2015. The Company’s primary market area consists of the area commonly referred to as Region 2000 which encompasses the seven jurisdictions of the Town of Altavista, Amherst County, Appomattox County, the Town of Bedford, Bedford County, Campbell County, and the City of Lynchburg. Recently, the Company has expanded into Charlottesville, Roanoke, and Harrisonburg. Financial’s critical accounting policy relates to the evaluation of the allowance for loan losses which is based on management’s opinion of an amount that is adequate to absorb loss in the existing loan portfolio of Bank of the James (the “Bank”), Financial’s wholly-owned subsidiary. The allowance for loan losses is established through a provision for loan loss based on available information including the composition of the loan portfolio, historical loan losses, specific impaired loans, availability and quality of collateral, age of the various portfolios, changes in local economic conditions, and loan performance and quality of the portfolio. Different assumptions used in evaluating the adequacy of the Bank’s allowance for loan losses could result in material changes in Financial’s financial condition and results of operations. The Bank’s policies with respect to the methodology for determining the allowance for loan losses involve a higher degree of complexity and require management to make subjective judgments that often require assumptions or estimates about uncertain matters. These critical policies and their assumptions are periodically reviewed with the Board of Directors.

Use Of Estimates

Use Of Estimates	6 Months Ended
	Jun. 30, 2015
Use Of Estimates [Abstract]
Use Of Estimates	Note 2 – Use of Estimates The consolidated financial statements are prepared in accordance with accounting principles generally accepted in the United States of America which require management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates.

Earnings Per Common Share (EPS)

Earnings Per Common Share (EPS)	6 Months Ended
	Jun. 30, 2015
Earnings Per Common Share (EPS) [Abstract]
Earnings Per Common Share (EPS)	Note 3 – Earnings Per Common Share (EPS) Currently, only the option shares granted to certain officers and other employees of Financial pursuant to the Amended and Restated Stock Option Plan of 1999 Financial (the “1999 Plan”) are considered in calculating dilutive earnings per share. The following is a summary of the earnings per share calculation for the three and six months ended June 30 , 2015 and 2014. Note 3 – Earnings Per Share (continued) Three Months Ended Six Months Ended June 30, June 30, 2015 2014 2015 2014 Net income $ 957,000 $ 843,000 $ 1,884,000 $ 1,548,000 Basic EPS weighted average shares outstanding Incremental shares attributable to stock options - - - - Diluted EPS weighted average shares outstanding Basic earnings per common share $ 0.28 $ 0.25 $ 0.56 $ 0.46 Diluted earnings per common share $ 0.28 $ 0.25 $ 0.56 $ 0.46 The following table sets forth the incremental shares associated with option shares that were not included in calculating the diluted earnings because their effect was anti-dilutive: Three Months E nded Six Months Ended June 30 , June 30 , 2015 2014 2015 2014 Incremental shares excluded from calculating diluted EPS because their effect was anti-dilutive

Stock Based Compensation

Stock Based Compensation	6 Months Ended
	Jun. 30, 2015
Stock Based Compensation [Abstract]
Stock Based Compensation	Note 4 – Stock Based Compensation Accounting standards require companies to recognize the cost of employee services received in exchange for awards of equity instruments, such as stock options and restricted stock, based on the fair value of those awards at the date of grant. Note 4 – Stock Based Compensation (continued) Stock option plan activity for the six months ended June 30 , 2015 is summarized below: Weighted Weighted Average Average Remaining Exercise Contractual Intrinsic Shares Price Life (in years) Value Options outstanding, January 1, 2015 $ 11.44 Exercised - - Forfeited Options outstanding, June 30, 2015 $ - Options exercisable, June 30, 2015 $ 11.46 $ - Intrinsic value is calculated by subtracting the exercise price of option shares from the market price of underlying shares as of June 30 , 2015 and multiplying that amount by the number of options outstanding. No intrinsic value exists where the exercise price is greater than the market price on a given date. All compensation expense related to the foregoing stock option plan has been recognized. The Company’s ability to grant additional options shares under the 1999 Plan has expired.

Fair Value Measurements

Fair Value Measurements	6 Months Ended
	Jun. 30, 2015
Fair Value Measurements [Abstract]
Fair Value Measurements	Note 5 – Fair Value Measurements Determination of Fair Value The Company uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. In accordance with the Fair Value Measurements and Disclosures topic of FASB ASC, the fair value of a financial instrument is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company’s various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument. The fair value guidance provides a consistent definition of fair value, which focuses on exit price in an orderly transaction (that is, not a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions. If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques may be appropriate. In such instances, determining the price at which willing market participants would transact at the measurement date under current market conditions depends on the facts and circumstances and requires the use of significant judgment. The fair value is a reasonable point within the range that is most representative of fair value under current market conditions. Note 5 – Fair Value Measurements (continued) Fair Value Hierarchy In accordance with this guidance, the Company groups its financial assets and financial liabilities generally measured at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. · Level 1 inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets. · Level 2 inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument. · Level 3 inputs to the valuation methodology are unobservable and significant to the fair value measurement. Following is a description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy: Fair Value on a Recurring Basis Securities Available-for-Sale Fair values of securities, excluding restricted investments in Federal Reserve Bank stock, Federal Home Loan Bank stock, and Community Bankers’ Bank stock are based on quoted prices available in an active market. If quoted prices are available, these securities are classified within Level 1 of the valuation hierarchy. Level 1 securities would include highly liquid government bonds, mortgage products and exchange traded equities. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flow. Level 2 securities would include U.S. agency securities, mortgage-backed agency securities, obligations of states and political subdivisions and certain corporate, asset backed and other securities. In certain cases where there is limited activity or less transparency around inputs to the valuation, securities are classified within Level 3 of the valuation hierarchy. Currently, all of the Company’s securities are considered to be Level 2 securities. The following table summarizes the Company’s financial assets that were measured at fair value on a recurring basis during the period. Restricted securities noted above are classified as such because their ownership is restricted to certain types of entities and there is no established market for their resale. When the stock is repurchased, the shares are repurchased at the stock’s book value; therefore, the carrying amount of restricted securities approximate fair value. Restricted securities are considered to be Level 2. Note 5 – Fair Value Measurements (continued) Carrying Value at June 30 , 2015 (in thousands) Description Balance as of June 30 , 2015 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) US agency obligations $ $ - $ $ - Mortgage-backed securities - - Municipals - - Corporates Total available-for-sale securities $ $ - $ $ - Carrying Value at December 31, 2014 (in thousands) Description Balance as of December 31, 2014 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) US agency obligations $ $ - $ $ - Mortgage-backed securities - - Municipals - - Corporates - - Total available-for-sale securities $ $ - $ $ - Fair Value on a Non-recurring Basis Impaired loans Loans are designated as impaired when, in the judgment of management based on current information and events, it is probable that all amounts due according to the contractual terms of the loan agreement will not be collected when due . The measurement of loss associated with impaired loans can be based on either the observable market price of the loan or the fair value of the collateral. Fair value is measured based on the value of the collateral securing the loans. Collateral may be in the form of real estate or business assets including equipment, inventory, and accounts receivable. The vast majority of the collateral is real estate. The value of real estate collateral is determined utilizing an income or market valuation approach based on an appraisal conducted by an independent, licensed appraiser outside of the Bank using observable market data (Level 2). However, if the collateral is a house or building in the process of construction or if an appraisal of the real estate property is over one year old, then the fair value is considered Level 3. The value of business equipment is based upon an outside appraisal if deemed significant, or the net book value on the applicable business’ financial statements if not considered significant using observable market data. Likewise, values for inventory and accounts receivables collateral are based on financial statement balances or aging reports (Level 3). Any fair value adjustments are recorded in the period incurred as provision for loan losses on the Consolidated Statements of Income. Note 5 – Fair Value Measurements (continued) Loans held for sale Loans held for sale are carried at cost which approximates estimated fair value. These loans currently consist of one-to-four family residential loans originated for sale in the secondary market. Fair value is based on the price secondary markets are currently offering for similar loans using observable market data which is not materially different than cost due to the short duration between origination and sale (Level 2). As such, the Company records fair value adjustments on a nonrecurring basis. No nonrecurring fair value adjustments were recorded on loans held for sale during the period ended June 30 , 2015. Gains and losses on the sale of loans are recorded within mortgage fee income on the Consolidated Statements of Income. Other real estate owned Certain assets such as other real estate owned (OREO) are measured at fair value less cost to sell. We believe that the fair value component in its valuation follows the provisions of ASC 820. Real estate acquired through foreclosure is transferred to OREO. The measurement of loss associated with OREO is based on the fair value of the collateral compared to the unpaid loan balance and anticipated costs to sell the property. The value of OREO collateral is determined utilizing an income or market valuation approach based on an appraisal conducted by an independent, licensed appraiser outside of the Bank using observable market data. Any fair value adjustments are recorded in the period incurred and expensed against current earnings. The carrying values of all OREO properties are considered to be Level 3. The following table summarizes the Company’s impaired loans, loans held for sale, and OREO measured at fair value on a nonrecurring basis during the period (in thousands). Carrying Value at June 30 , 2015 Description Balance as of June 30 , 2015 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired loans* $ $ - $ - $ Loans held for sale - - Other real estate owned - - * Includes loans charged down during the quarter to the net realizable value of the collateral. Carrying Value at December 31, 201 4 Description Balance as of December 31, 2014 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired loans* $ $ - $ - $ Loans held for sale - - Other real estate owned - - * Includes loans charged down during the quarter to the net realizable value of the collateral. Note 5 – Fair Value Measurements (continued) The following table sets forth information regarding the quantitative inputs used to value assets classified as Level 3: Quantitative information about Level 3 Fair Value Measurements for June 30 , 2015 (dollars in thousands) Fair Value Valuation Te chnique(s) Unobservable Input Range (Weighted Average) Assets Impaired loans $ Discounted appraised value Selling cost 5 % - 10 % ( 6 %) Discount for lack of marketability and age of appraisal 0 % - 25 % ( 15 %) OREO Discounted appraised value Selling cost 5 % - 10 % ( 6 %) Discount for lack of marketability and age of appraisal 0 % - 25 % ( 15 %) Financial Instruments Cash, cash equivalents and Federal Funds sold The carrying amounts of cash and short-term instruments approximate fair values. Loans For variable-rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values. Fair values for certain fixed rate loans are based on quoted market prices of similar loans adjusted for differences in loan characteristics. Fair values for other loans such as commercial real estate and commercial and industrial loans are estimated using discounted cash flow analyses, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality. Fair values of impaired loans are estimated as described above. The carrying values of all loans are considered to be Level 3. Bank Owned Life Insurance (BOLI) The carrying amount approximates fair value. The carrying values of all BOLI is considered to be Level 2. Note 5 – Fair Value Measurements (continued) Deposits Fair values disclosed for demand deposits (e.g., interest and noninterest checking, savings, and money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts). Fair values for fixed rate certificates of deposit are estimated using discounted cash flow analyses that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits. The carrying values of all deposits are considered to be Level 2. FHLB borrowings The fair value of FHLB borrowings is estimated using discounted cash flow analysis based on the rates currently offered for borrowings of similar remaining maturities and collateral requirements. The carrying values of all FHLB borrowings are considered to be Level 2. Short-term borrowings The carrying amounts of federal funds purchased, borrowings under repurchase agreements, and other short-term borrowings maturing within ninety days approximate fair value. The carrying values of all short term borrowings are considered to be Level 2. Capital notes Fair values of capital notes are based on market prices for debt securities having similar maturity and interest rate characteristics. The carrying values of all capital notes are considered to be Level 2. Accrued interest The carrying amounts of accrued interest approximate fair value. The carrying values of all accrued interest is considered to be Level 2. Off-balance sheet credit-related instruments Fair values for off-balance sheet, credit-related financial instruments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties’ credit standing. Fair value of off-balance sheet credit-related instruments were deemed to be immaterial at June 30 , 2015 and December 31, 2014 and therefore are not included in the table below. Note 5 – Fair Value Measurements (continued) The estimated fair values, and related carrying or notional amounts, of Financial’s financial instruments are as follows (in thousands): Fair Value Measurements at June 30 , 2015 using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Carrying Identical Assets Inputs Inputs Assets Amounts (Level 1) (Level 2) (Level 3) Balance Cash and due from banks $ $ $ - $ - $ Fed funds sold - - Securities Available-for-sale - - Held-to-maturity - - Restricted stock Loans, net - - Loans held for sale - - Interest receivable - - BOLI - - Liabilities Deposits $ $ - $ $ - $ Capital notes - - Interest payable - - Fair Value Measurements at December 31, 2014 using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Carrying Identical Assets Inputs Inputs Assets Amounts (Level 1) (Level 2) (Level 3) Balance Cash and due from banks $ $ $ - $ - $ Securities Available-for-sale - - Held-to-maturity - - Restricted stock - Loans, net - - Loans held for sale - - Interest receivable - - BOLI - - Liabilities Deposits $ $ - $ $ - $ FHLB borrowings - Federal funds purchased - - Capital notes - - Interest payable - - Note 5 – Fair Value Measurements (continued) Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time Financial’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of Financial’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment, and therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Fair value estimates are based on existing on-balance-sheet and off-balance-sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Significant assets that are not considered financial assets include deferred income taxes and bank premises and equipment; a significant liability that is not considered a financial liability is accrued post-retirement benefits. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates. Financial assumes interest rate risk (the risk that general interest rate levels will change) as a result of its normal operations. As a result, the fair values of Financial’s financial instruments will change when interest rate levels change, and that change may be either favorable or unfavorable to Financial. Management attempts to match maturities of assets and liabilities to the extent believed necessary to minimize interest rate risk. However, borrowers with fixed rate obligations are less likely to prepay in a rising rate environment and more likely to prepay in a falling rate environment. Conversely, depositors who are receiving fixed rates are more likely to withdraw funds before maturity in a rising rate environment and less likely to do so in a falling rate environment. Management monitors rates and maturities of assets and liabilities and attempts to minimize interest rate risk by adjusting terms of new loans and deposits and by investing in securities with terms that mitigate Financial’s overall interest rate risk.

Capital Notes

Capital Notes	6 Months Ended
	Jun. 30, 2015
Capital Notes [Abstract]
Capitol Notes	Note 6 – Capital Notes During the third quarter of 2012, Financial closed the private placement of unregistered debt securities (the “2012 Offering”) pursuant to which Financial issued $ 10,000,000 in principal of notes (the “2012 Notes”). The 2012 Notes have not been and will not be registered under the Securities Act of 1933 and may not be offered or sold in the United States absent registration or an applicable exemption from registration requirements. The 2012 Notes bear interest at the rate of 6 % per year with interest payable quarterly in arrears. The notes mature on April 1, 2017 , but are subject to prepayment in whole or in part on or after April 1, 2013 at Financial’s sole discretion on 30 days written notice to the holders. Financial used $ 7,000,000 of the proceeds from the 2012 Offering in April 2012 to pay, on maturity, the principal due on notes issued in 2009 .

Securities

Securities	6 Months Ended
	Jun. 30, 2015
Securities [Abstract]
Investments	Note 7 - Securities The following tables summarize the Bank’s holdings for both securities held-to-maturity and securities available-for-sale as of June 30 , 2015 and December 31, 2014 (amounts in thousands): June 30 , 2015 Amortized Gross Unrealized Fair Value Costs Gains (Losses) Held-to-Maturity US agency obligations $ $ $ - $ Available-for-Sale US agency obligations - Mortgage-backed securities - Municipals Corporates - $ $ $ $ December 31, 2014 Amortized Gross Unrealized Fair Value Costs Gains (Losses) Held-to-Maturity US agency obligations $ $ $ - $ Available-for-Sale US agency obligations - Mortgage-backed securities - Municipals Corporates - $ $ $ $ Note 7 – Securities (continued) The following tables show the gross unrealized losses and fair value of the Bank’s investments with unrealized losses that are not deemed to be other-than-temporarily impaired, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at June 30 , 2015 and December 31, 2014 (amounts in thousands): Less than 12 months More than 12 months Total Fair Unrealized Fair Unrealized Fair Unrealized June 30, 2015 Value Losses Value Losses Value Losses Description of securities U.S. agency obligations $ $ $ $ $ $ Mortgage-backed securities Municipals Corporates - - Total $ $ $ $ $ $ Less than 12 months More than 12 months Total Fair Unrealized Fair Unrealized Fair Unrealized December 31, 2014 Value Losses Value Losses Value Losses Description of securities U.S. agency obligations $ $ $ $ $ $ Mortgage-backed securities - - Municipals Corporates - - Total $ $ $ $ $ $ Management evaluates securities for other-than-temporary impairment at least on a quarterly basis, and may do so 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 condition and near-term prospects of the issuer, (3) the intent of Financial, if any, to sell the security; (4) whether Financial more likely than not will be required to sell the security before recovering its cost; and (5) whether Financial does not expect to recover the security’s entire amortized cost basis (even if Financial does not intend to sell the security). At June 30 , 2015, the Company did not consider the unrealized losses as other-than-temporary losses due to the nature of the securities involved. As of June 30 , 2015, the Bank owned 27 s ecurities that were being evaluated for other than temporary impairment. Four of these securities w ere S&P rated AAA and 23 were S&P rated AA. As of June 30 , 2015, 21 of these securities were direct obligations of the U.S. government or government sponsored entities , 5 were municipal issues , and one was an investment in a domestic corporate issued security . Based on the analysis performed by management as mandated by the Bank’s investment policy, management believes the default risk to be minimal. Because the Bank expects to recover the entire amortized cost basis, no declines currently are deemed to be other-than-temporary.

Business Segments

Business Segments	6 Months Ended
	Jun. 30, 2015
Business Segments [Abstract]
Business Segments	Note 8 – Business Segments The Company has two reportable business segments: (i) a traditional full service community banking segment and, (ii) a mortgage loan origination business. The community banking business segment includes Bank of the James which provides loans, deposits, investments and insurance to retail and commercial customers throughout Region 2000 and other areas within Central Virginia. The mortgage segment provides a variety of mortgage loan products principally within Region 2000. Mortgage loans are originated and sold in the secondary market through purchase commitments from investors with servicing released. Because of the pre-arranged purchase commitments, there is minimal risk to the Company. Both of the Company’s reportable segments are service based. The mortgage business is a fee-based business while the Bank’s primary source of revenue is net interest income. The Bank also provides a referral network for the mortgage origination business. The mortgage business may also be in a position to refer its customers to the Bank for banking services when appropriate. Information about reportable business segments and reconciliation of such information to the consolidated financial statements for the three and six months ended June 30 , 2015 and 2014 was as follows (dollars in thousands): Business Segments Community Banking Mortgage Total For the six months ended June 30, 2015 Net interest income $ 8,520 $ - $ 8,520 Provision for loan losses - Net interest income after provision for loan losses - Noninterest income Noninterest expenses Income before income taxes Income tax expense Net income $ 1,673 $ 211 $ 1,884 Total assets $ 489,821 $ 3,015 $ 492,836 For the six months ended June 30, 2014 Net interest income $ 7,977 $ - $ 7,977 Provision for loan losses - Net interest income after provision for loan losses - Noninterest income Noninterest expenses Income before income taxes Income tax expense Net income $ 1,418 $ 130 $ 1,548 Total assets $ 444,081 $ 3,279 $ 447,360 Community Banking Mortgage Total For the three months ended June 30, 2015 Net interest income $ 4,324 $ - $ 4,324 Provision for loan losses - Net interest income after provision for loan losses - Noninterest income Noninterest expenses Income before income taxes Income tax expense Net income (loss) $ 843 $ 114 $ 957 Total assets $ 489,821 $ 3,015 $ 492,836 For the three months ended June 30, 2014 Net interest income $ 4,023 $ - $ 4,023 Provision for loan losses - - - Net interest income after provision for loan losses - Noninterest income Noninterest expenses Income before income taxes Income tax expense Net income $ 733 $ 110 $ 843 Total assets $ 444,081 $ 3,279 $ 447,360

Loans, Allowance For Loan Losse

Loans, Allowance For Loan Losses and OREO	6 Months Ended
	Jun. 30, 2015
Loans, Allowance For Loan Losses and OREO [Abstract]
Loans, Allowance For Loan Losses and OREO	Note 9 – Loans, allowance for loan losses and OREO Management has an established methodology used to determine the adequacy of the allowance for loan losses that assesses the risks and losses inherent in the loan portfolio. For purposes of determining the allowance for loan losses, the Bank has segmented certain loans in the portfolio by product type. Within these segments, the Bank has sub-segmented its portfolio into classes, based on the associated risks. The classifications set forth below do not correspond directly to the classifications set forth in the call report (Form FFIEC 041). Management has determined that the classifications set forth below are more appropriate for use in identifying and managing risk in the loan portfolio. Loan Segments: Loan Classes: Commercial Commercial and industrial loans Commercial real estate Commercial mortgages – owner occupied Commercial mortgages – non-owner occupied Commercial construction Consumer Consumer unsecured Consumer secured Residential Residential mortgages Residential consumer construction A summary of loans, net is as follows (dollars in thousands): As of: June 30 , December 31, 2015 2014 Commercial $ $ Commercial real estate Consumer Residential Total loans Less allowance for loan losses Net loans $ $ The Bank’s internal risk rating system is in place to grade commercial and commercial real estate loans. Category ratings are reviewed periodically by lenders and the credit review area of the Bank based on the borrower’s individual situation. Additionally, internal and external monitoring and review of credits are conducted on an annual basis. Note 9 – Loans, allowance for loan losses and OREO (continued) Below is a summary and definition of the Bank’s risk rating categories: RATING 1 Excellent RATING 2 Above Average RATING 3 Satisfactory RATING 4 Acceptable / Low Satisfactory RATING 5 Monitor RATING 6 Special Mention RATING 7 Substandard RATING 8 Doubtful RATING 9 Loss We segregate loans into the above categories based on the following criteria and we review the characteristics of each rating at least annually, generally during the first quarter. The characteristics of these ratings are as follows: · “Pass.” These are loans having risk ratings of 1 through 4. Pass loans are to persons or business entities with an acceptable financial condition, appropriate collateral margins, appropriate cash flow to service the existing loan, and an appropriate leverage ratio. The borrower has paid all obligations as agreed and it is expected that this type of payment history will continue. When necessary, acceptable personal guarantors support the loan. · “Monitor.” These are loans having a risk rating of 5. Monitor loans have currently acceptable risk but may have the potential for a specific defined weakness in the borrower’s operations and the borrower’s ability to generate positive cash flow on a sustained basis. The borrower’s recent payment history may currently or in the future be characterized by late payments. The Bank’s risk exposure is mitigated by collateral supporting the loan. The collateral is considered to be well-margined, well maintained, accessible and readily marketable. · “Special Mention.” These are loans having a risk rating of 6. Special Mention loans have weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the bank’s credit position at some future date. Special Mention loans are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. These loans do warrant more than routine monitoring due to a weakness caused by adverse events. · “Substandard.” These are loans having a risk rating of 7. Substandard loans are considered to have specific and well-defined weaknesses that jeopardize the viability of the Bank’s credit extension. The payment history for the loan has been inconsistent and the expected or projected primary repayment source may be inadequate to service the loan. The estimated net liquidation value of the collateral pledged and/or ability of the personal guarantor(s) to pay the loan may not adequately protect the Bank. There is a distinct possibility that the Bank will sustain some loss if the deficiencies associated with the loan are not corrected in the near term. A substandard loan would not automatically meet our definition of impaired unless the loan is significantly past due and the borrower’s performance and financial condition provides evidence that it is probable that the Bank will be unable to collect all amounts due. · “Doubtful.” These are loans having a risk rating of 8. Doubtful rated loans have all the weaknesses inherent in a loan that is classified substandard but with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The possibility of loss is extremely high. Note 9 – Loans, allowance for loan losses and OREO (continued) · “Loss.” These are loans having a risk rating of 9. Loss rated loans are not considered collectible under normal circumstances and there is no realistic expectation for any future payment on the loan. Loss rated loans are fully charged off. Loan s on Non-Accrual Status ( dollars in thousands ) As of June 30 , 2015 December 31, 2014 Commercial $ $ Commercial Real Estate: Commercial Mortgages-Owner Occupied - Commercial Mortgages-Non-Owner Occupied Commercial Construction Consumer Consumer Unsecured - - Consumer Secured Residential: Residential Mortgages Residential Consumer Construction Totals $ $ We also classify other real estate owned (OREO) as a nonperforming asset. OREO represents real property owned by the Bank either through purchase at foreclosure or received from the borrower through a deed in lieu of foreclosure. OREO in creased to $ 2,065 ,000 on June 30 , 2015 from $ 956 ,000 on December 31, 2014 . The following table represents the changes in OREO balance during the six months ended June 30 , 2015 and year end December 31, 2014 . OREO Changes ( dollars in thousands ) Six Months ended Year ended June 30 , 2015 December 31, 2014 Balance at the beginning of the year (net) $ $ Transfers from loans Capitalized costs - Writedowns Sales proceeds (Loss) on disposition Balance at the end of the period (net) $ $ At June 30, 2015 and December 31, 2014, the Company had no consumer mortgage loans secured by residential real estate for which foreclosure was in process. The Company held $50,000 and $65,000 of residential real estate in other real estate owned a s of June 30, 2015 and Decembe r 31, 2014 , respectively . Note 9 – Loans, allowance for loan losses and OREO (continued) Impaired Loans ( dollars in thousands) As of and For the Six Months Ended June 30 , 2015 Unpaid Average Interest Recorded Principal Related Recorded Income 2015 Investment Balance Allowance Investment Recognized With No Related Allowance Recorded: Commercial $ $ $ - $ $ - Commercial Real Estate Commercial Mortgages-Owner Occupied - Commercial Mortgage Non-Owner Occupied - Commercial Construction - - Consumer Consumer Unsecured - - - - - Consumer Secured - Residential Residential Mortgages - Residential Consumer Construction - - - - - With An Allowance Recorded: Commercial $ $ $ $ $ Commercial Real Estate Commercial Mortgages-Owner Occupied Commercial Mortgage Non-Owner Occupied Commercial Construction - Consumer Consumer Unsecured - - - - - Consumer Secured Residential Residential Mortgages Residential Consumer Construction - - - - - Totals: Commercial $ $ $ $ $ Commercial Real Estate Commercial Mortgages-Owner Occupied Commercial Mortgage Non-Owner Occupied Commercial Construction - Consumer Consumer Unsecured - - - - - Consumer Secured Residential Residential Mortgages Residential Consumer Construction - - - - - $ $ $ $ $ Note 9 – Loans, allowance for loan losses and OREO (continued) Impaired Loans ( dollars in thousands) As of and For the Year Ended December 31, 2014 Unpaid Average Interest Recorded Principal Related Recorded Income 2014 Investment Balance Allowance Investment Recognized With No Related Allowance Recorded: Commercial $ $ $ - $ $ Commercial Real Estate Commercial Mortgages-Owner Occupied - Commercial Mortgage Non-Owner Occupied - Commercial Construction - - Consumer Consumer Unsecured - - - - - Consumer Secured - Residential Residential Mortgages - Residential Consumer Construction - - - - - With An Allowance Recorded: Commercial $ $ $ $ $ Commercial Real Estate Commercial Mortgages-Owner Occupied Commercial Mortgage Non-Owner Occupied Commercial Construction - - - - - Consumer Consumer Unsecured - - - - - Consumer Secured Residential Residential Mortgages Residential Consumer Construction - - - - - Totals: Commercial $ $ $ $ $ Commercial Real Estate Commercial Mortgages-Owner Occupied Commercial Mortgage Non-Owner Occupied Commercial Construction - - Consumer Consumer Unsecured - - - - - Consumer Secured Residential Residential Mortgages Residential Consumer Construction - - - - - $ $ $ $ $ Note 9 – Loans, allowance for loan losses and OREO (continued) Allowance for Loan Losses and Recorded Investment in Loans ( dollars in thousands) As of and For the Six Months Ended June 30 , 2015 Commercial 2015 Commercial Real Estate Consumer Residential Total Allowance for Loan Losses: Beginning Balance $ $ $ $ $ Charge-offs - Recoveries - Provision Ending Balance $ $ $ $ $ Ending Balance: Individually evaluated for impairment $ $ $ $ $ Ending Balance: Collectively evaluated for impairment Totals: $ $ $ $ $ Loans : Ending Balance: Individually evaluated for impairment $ $ $ $ $ Ending Balance: Collectively evaluated for impairment Totals: $ $ $ $ $ Note 9 – Loans, allowance for loan losses and OREO (continued) Allowance for Loan Losses and Recorded Investment in Loans ( dollars in thousands) As of and For the Year Ended December 31, 2014 Commercial 2014 Commercial Real Estate Consumer Residential Total Allowance for Loan Losses: Beginning Balance $ $ $ $ $ Charge-offs Recoveries - Provision Ending Balance $ $ $ $ $ Ending Balance: Individually evaluated for impairment $ $ $ $ $ Ending Balance: Collectively evaluated for impairment Totals: $ $ $ $ $ Loans : Ending Balance: Individually evaluated for impairment $ $ $ $ $ Ending Balance: Collectively evaluated for impairment Totals: $ $ $ $ $ Note 9 – Loans, allowance for loan losses and OREO (continued) Age Analysis of Past Due Loans as of June 30 , 2015 ( dollars in thousands ) Greater Recorded Investment 30-59 Days 60-89 Days than Total Past Total > 90 Days & 2015 Past Due Past Due 90 Days Due Current Loans Accruing Commercial $ $ $ $ $ $ $ - Commercial Real Estate: Commercial Mortgages- Owner Occupied - - Commercial Mortgages-Non-Owner Occupied - Commercial Construction - - - Consumer: Consumer Unsecured - - Consumer Secured - Residential: Residential Mortgages - - Residential Consumer Construction - - - Total $ $ $ $ $ $ $ - Age Analysis of Past Due Loans as of December 31, 2014 ( dollars in thousands ) Greater Recorded Investment 30-59 Days 60-89 Days than Total Past Total > 90 Days & 2014 Past Due Past Due 90 Days Due Current Loans Accruing Commercial $ $ $ $ $ $ $ - Commercial Real Estate: Commercial Mortgages-Owner Occupied - - Commercial Mortgages-Non-Owner Occupied - - Commercial Construction - - - Consumer: Consumer Unsecured - - - Consumer Secured - - - Residential: Residential Mortgages - Residential Consumer Construction - - - Total $ $ $ $ $ $ $ - Note 9 – Loans, allowance for loan losses and OREO (continued) Credit Quality Information - by Class June 30, 2015 ( dollars in thousands ) 2015 Pass Monitor Special Substandard Doubtful Totals Mention Commercial $ $ $ $ $ - $ Commercial Real Estate: Commercial Mortgages-Owner Occupied - Commercial Mortgages-Non Owner Occupied - Commercial Construction - - - Consumer Consumer Unsecured - - - - Consumer Secured - Residential: Residential Mortgages - - Residential Consumer Construction - - - Totals $ $ $ $ $ - $ Credit Quality Information - by Class December 31, 2014 ( dollars in thousands ) 2014 Pass Monitor Special Substandard Doubtful Totals Mention Commercial $ $ $ $ $ - $ Commercial Real Estate: Commercial Mortgages-Owner Occupied - Commercial Mortgages-Non Owner Occupied - Commercial Construction - - - Consumer Consumer Unsecured - - - Consumer Secured - Residential: Residential Mortgages - Residential Consumer Construction - - - Totals $ $ $ $ $ - $ Note 9 – Loans, allowance for loan losses and OREO (continued) The following tables describe the loan modifications classified as TDRs during the three and six months ended June 30, 2015: For the Three Months Ended June 30, 2015 ( dollars in thousands) Troubled Debt Restructurings During the Period Number of Contracts Pre-Modification Outstanding Recorded Investment Pre-Modification Outstanding Recorded Investment Commercial Real Estate 2 $ $ For the Six Months Ended June 30, 2015 ( dollars in thousands) Troubled Debt Restructurings During the Period Number of Contracts Pre-Modification Outstanding Recorded Investment Pre-Modification Outstanding Recorded Investment Commercial 1 $ $ Commercial Real Estate 2 $ $ There were no loan modifications that would have been classified as TDRs during the three and six months ended June 30, 2014. There were no loan modifications classified as TDRs within the last twelve months that defaulted during the three and six months ended June 30 , 2015 and 2014. The loans noted in the tables above were modified during the periods to extend maturity only. These loans are factored into the determination of the allowance for loan losses as of the periods indicated and are included in the Bank’s impaired loan analysis and individually evaluated for impairment. At June 30, 2015 and December 31, 2014, the Bank had no outstanding commitments to disburse additional funds on loans classified as TDRs.

Recent Accounting Pronouncement

Recent Accounting Pronouncements	6 Months Ended
	Jun. 30, 2015
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	Note 10 – Recent accounting pronouncements In June 2014, the FASB issued ASU No. 2014-11, “Transfers and Servicing (Topic 860): Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures.” This ASU aligns the accounting for repurchase-to-maturity transactions and repurchase agreements executed as a repurchase financing with the accounting for other typical repurchase agreements. The new guidance eliminates sale accounting for repurchase-to-maturity transactions and supersedes the guidance under which a transfer of a financial asset and a contemporaneous repurchase financing could be accounted for on a combined basis as a forward agreement. The amendments in the ASU also require a new disclosure for transactions economically similar to repurchase agreements in which the transferor retains substantially all of the exposure to the economic return on the transferred financial assets throughout the term of the transaction. Additional disclosures will be required for the nature of collateral pledged in repurchase agreements and similar transactions accounted for as secured borrowings. The amendments in this ASU are effective for the first interim or annual period beginning after December 15, 2014; however, the disclosure for transactions accounted for as secured borrowings is required to be presented for annual periods beginning after December 15, 2014, and interim periods beginning after March 15, 2015. Early adoption is not Note 10 – Recent accounting pronouncements (continued) permitted. The adoption of the new guidance did not have a material impact on our consolidated financial statements. In June 2014, the FASB issued ASU No. 2014-12, “Compensation – Stock Compensation (Topic 718): Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period.” The new guidance applies to reporting entities that grant employees share-based payments in which the terms of the award allow a performance target to be achieved after the requisite service period. The amendments in the ASU require that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition. Existing guidance in “Compensation – Stock Compensation (Topic 718),” should be applied to account for these types of awards. The amendments in this ASU are effective for annual periods and interim periods within those annual periods beginning after December 15, 2015. Early adoption is permitted and reporting entities may choose to apply the amendments in the ASU either on a prospective or retrospective basis. The adoption of the new guidance did not have a material impact on our consolidated financial statements. In August 2014, the FASB issued ASU No. 2014-15, “Presentation of Financial Statements – Going Concern (Subtopic 205-40): Disclosure of Uncertainties about an Entity’s Ability to Continue as a Going Concern.” This update is intended to provide guidance about management’s responsibility to evaluate whether there is substantial doubt about an entity’s ability to continue as a going concern and to provide related footnote disclosures. Management is required under the new guidance to evaluate whether there are conditions or events, considered in the aggregate, that raise substantial doubt about the entity’s ability to continue as a going concern within one year after the date the financial statements are issued when preparing financial statements for each interim and annual reporting period. If conditions or events are identified, the ASU specifies the process that must be followed by management and also clarifies the timing and content of going concern footnote disclosures in order to reduce diversity in practice. The amendments in this ASU are effective for annual periods and interim periods within those annual periods beginning after December 15, 2016. Early adoption is permitted. The Company does not expect the adoption of ASU 2014-15 to have a material impact on its consolidated financial statements. In November 2014, the FASB issued ASU No. 2014-16, “Derivatives and Hedging (Topic 815): Determining Whether the Host Contract in a Hybrid Financial Instrument Issued in the Form of a Share Is More Akin to Debt or to Equity.” The amendments in ASU do not change the current criteria in U.S. GAAP for determining when separation of certain embedded derivative features in a hybrid financial instrument is required. The amendments clarify how current U.S. GAAP should be interpreted in evaluating the economic characteristics and risks of a host contract in a hybrid financial instrument that is issued in the form of a share. Specifically, the amendments clarify that an entity should consider all relevant terms and features, including the embedded derivative feature being evaluated for bifurcation, in evaluating the nature of the host contract. Furthermore, the amendments clarify that no single term or feature would necessarily determine the economic characteristics and risks of the host contract. Rather, the nature of the host contract depends upon the economic characteristics and risks of the entire hybrid financial instrument. The amendments in this ASU also clarify that, in evaluating the nature of a host contract, an entity should assess the substance of the relevant terms and features (i.e., the relative strength of the debt-like or equity-like terms and features given the facts and circumstances) when considering how to weight those terms and features. The amendments in this ASU are effective for public business entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption, including adoption in an interim period, is permitted. The Company does not expect the adoption of ASU 2014-16 to have a material impact on its consolidated financial statements. In January 2015, the FASB issued ASU No. 2015-01, “Income Statement—Extraordinary and Unusual Items (Subtopic 225-20): Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items.” The amendments in this ASU eliminate from U.S. GAAP the concept of Note 10 – Recent accounting pronouncements (continued) extraordinary items. Subtopic 225-20, Income Statement - Extraordinary and Unusual Items, required that an entity separately classify, present, and disclose extraordinary events and transactions. Presently, an event or transaction is presumed to be an ordinary and usual activity of the reporting entity unless evidence clearly supports its classification as an extraordinary item. If an event or transaction meets the criteria for extraordinary classification, an entity is required to segregate the extraordinary item from the results of ordinary operations and show the item separately in the income statement, net of tax, after income from continuing operations. The entity also is required to disclose applicable income taxes and either present or disclose earnings-per-share data applicable to the extraordinary item. The amendments in this ASU are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted provided that the guidance is applied from the beginning of the fiscal year of adoption. The Company does not expect the adoption of ASU 2015-01 to have a material impact on its consolidated financial statements. In February 2015, the FASB issued ASU No. 2015-02, “Consolidation (Topic 810): Amendments to the Consolidation Analysis.” The amendments in this ASU are intended to improve targeted areas of consolidation guidance for legal entities such as limited partnerships, limited liability corporations, and securitization structures (collateralized debt obligations, collateralized loan obligations, and mortgage-backed security transactions). In addition to reducing the number of consolidation models from four to two, the new standard simplifies the FASB Accounting Standards Codification™ and improves current GAAP by placing more emphasis on risk of loss when determining a controlling financial interest, reducing the frequency of the application of related-party guidance when determining a controlling financial interest in a variable interest entity (VIE), and changing consolidation conclusions for public and private companies in several industries that typically make use of limited partnerships or VIEs. The amendments in this ASU are effective for public business entities 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. ASU 2015-02 may be applied retrospectively in previously issued financial statements for one or more years with a cumulative-effect adjustment to retained earnings as of the beginning of the first year restated. The Company does not expect the adoption of ASU 2015-02 to have a material impact on its consolidated financial statements. In April 2015, the FASB issued ASU No. 2015-03, “Interest – Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs.” The amendments in this ASU are intended to simplify the presentation of debt issuance costs. These amendments require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this ASU. The amendments in this ASU are effective for public business entities for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years. Early adoption is permitted for financial statements that have not been previously issued. The Company does not expect the adoption of ASU 2015-03 to have a material impact on its consolidated financial statements. In April 2015, the FASB issued ASU No. 2015-05, “Intangibles - Goodwill and Other - Internal-Use Software (Subtopic 350-40): Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement.” The amendments in this ASU provide guidance to customers about whether a cloud computing arrangement includes a software license. If a cloud computing arrangement includes a software license, then the customer should account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, the customer should account for the arrangement as a service contract. The amendments do not change the accounting for a customer’s accounting for service contracts. As a result of the amendments, all software licenses within the scope of Subtopic 350-40 will be accounted for consistent with other licenses of intangible assets. The amendments in this ASU are effective for public business entities for annual periods, including interim periods within those annual periods, beginning after December 15, Note 10 – Recent accounting pronouncements (continued) 2015. Early adoption is permitted. An entity can elect to adopt the amendments either: (1) prospectively to all arrangements entered into or materially modified after the effective date; or (2) retrospectively. The Company is currently assessing the impact that ASU 2015-05 will have on its consolidated financial statements. In May 2015, the FASB issued ASU No. 2015-08, “Business Combinations (Topic 805): Pushdown Accounting – Amendments to SEC Paragraphs Pursuant to Staff Accounting Bulletin No. 115.” The amendments in ASU 2015-08 amend various SEC paragraphs pursuant to the issuance of Staff Accounting Bulletin No. 115, Topic 5: Miscellaneous Accounting, regarding various pushdown accounting issues, and did not have a material impact on our consolidated financial statements.

Earnings Per Common Share (EP19

Earnings Per Common Share (EPS) (Tables)	6 Months Ended
	Jun. 30, 2015
Earnings Per Common Share (EPS) [Abstract]
Earnings Per Share	Three Months Ended Six Months Ended June 30, June 30, 2015 2014 2015 2014 Net income $ 957,000 $ 843,000 $ 1,884,000 $ 1,548,000 Basic EPS weighted average shares outstanding Incremental shares attributable to stock options - - - - Diluted EPS weighted average shares outstanding Basic earnings per common share $ 0.28 $ 0.25 $ 0.56 $ 0.46 Diluted earnings per common share $ 0.28 $ 0.25 $ 0.56 $ 0.46
Schedule Of Antidilutive Securities Excluded From Computation Of Earnings Per Share	Three Months E nded Six Months Ended June 30 , June 30 , 2015 2014 2015 2014 Incremental shares excluded from calculating diluted EPS because their effect was anti-dilutive

Stock Based Compensation (Table

Stock Based Compensation (Tables)	6 Months Ended
	Jun. 30, 2015
Stock Based Compensation [Abstract]
Summary Of Stock Option Activity	Weighted Weighted Average Average Remaining Exercise Contractual Intrinsic Shares Price Life (in years) Value Options outstanding, January 1, 2015 $ 11.44 Exercised - - Forfeited Options outstanding, June 30, 2015 $ - Options exercisable, June 30, 2015 $ 11.46 $ -

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	6 Months Ended
	Jun. 30, 2015
Fair Value Measurements [Abstract]
Fair Value Assets Measured On Recurring Basis	Carrying Value at June 30 , 2015 (in thousands) Description Balance as of June 30 , 2015 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) US agency obligations $ $ - $ $ - Mortgage-backed securities - - Municipals - - Corporates Total available-for-sale securities $ $ - $ $ - Carrying Value at December 31, 2014 (in thousands) Description Balance as of December 31, 2014 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) US agency obligations $ $ - $ $ - Mortgage-backed securities - - Municipals - - Corporates - - Total available-for-sale securities $ $ - $ $ -
Impaired Loans And Other Real Estate Owned Measured At Fair Value On A Nonrecurring Basis	Carrying Value at June 30 , 2015 Description Balance as of June 30 , 2015 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired loans* $ $ - $ - $ Loans held for sale - - Other real estate owned - - * Includes loans charged down during the quarter to the net realizable value of the collateral. Carrying Value at December 31, 201 4 Description Balance as of December 31, 2014 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired loans* $ $ - $ - $ Loans held for sale - - Other real estate owned - - * Includes loans charged down during the quarter to the net realizable value of the collateral.
Information Regarding Quantitative Inputs Used To Value Assets Classified As Level 3	Quantitative information about Level 3 Fair Value Measurements for June 30 , 2015 (dollars in thousands) Fair Value Valuation Te chnique(s) Unobservable Input Range (Weighted Average) Assets Impaired loans $ Discounted appraised value Selling cost 5 % - 10 % ( 6 %) Discount for lack of marketability and age of appraisal 0 % - 25 % ( 15 %) OREO Discounted appraised value Selling cost 5 % - 10 % ( 6 %) Discount for lack of marketability and age of appraisal 0 % - 25 % ( 15 %)
Fair Value Carrying And Notional Amounts	Fair Value Measurements at June 30 , 2015 using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Carrying Identical Assets Inputs Inputs Assets Amounts (Level 1) (Level 2) (Level 3) Balance Cash and due from banks $ $ $ - $ - $ Fed funds sold - - Securities Available-for-sale - - Held-to-maturity - - Restricted stock Loans, net - - Loans held for sale - - Interest receivable - - BOLI - - Liabilities Deposits $ $ - $ $ - $ Capital notes - - Interest payable - - Fair Value Measurements at December 31, 2014 using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Carrying Identical Assets Inputs Inputs Assets Amounts (Level 1) (Level 2) (Level 3) Balance Cash and due from banks $ $ $ - $ - $ Securities Available-for-sale - - Held-to-maturity - - Restricted stock - Loans, net - - Loans held for sale - - Interest receivable - - BOLI - - Liabilities Deposits $ $ - $ $ - $ FHLB borrowings - Federal funds purchased - - Capital notes - - Interest payable - -

Securities (Tables)

Securities (Tables)	6 Months Ended
	Jun. 30, 2015
Securities [Abstract]
Summary Of Securities Held-To-Maturity And Securities Available-For-Sale	June 30 , 2015 Amortized Gross Unrealized Fair Value Costs Gains (Losses) Held-to-Maturity US agency obligations $ $ $ - $ Available-for-Sale US agency obligations - Mortgage-backed securities - Municipals Corporates - $ $ $ $ December 31, 2014 Amortized Gross Unrealized Fair Value Costs Gains (Losses) Held-to-Maturity US agency obligations $ $ $ - $ Available-for-Sale US agency obligations - Mortgage-backed securities - Municipals Corporates - $ $ $ $
Gross Unrealized Losses And Fair Value Of The Bank's Investments	Less than 12 months More than 12 months Total Fair Unrealized Fair Unrealized Fair Unrealized June 30, 2015 Value Losses Value Losses Value Losses Description of securities U.S. agency obligations $ $ $ $ $ $ Mortgage-backed securities Municipals Corporates - - Total $ $ $ $ $ $ Less than 12 months More than 12 months Total Fair Unrealized Fair Unrealized Fair Unrealized December 31, 2014 Value Losses Value Losses Value Losses Description of securities U.S. agency obligations $ $ $ $ $ $ Mortgage-backed securities - - Municipals Corporates - - Total $ $ $ $ $ $

Business Segments (Tables)

Business Segments (Tables)	6 Months Ended
	Jun. 30, 2015
Business Segments [Abstract]
Schedule Of Segment Reporting Information, By Segment	Business Segments Community Banking Mortgage Total For the six months ended June 30, 2015 Net interest income $ 8,520 $ - $ 8,520 Provision for loan losses - Net interest income after provision for loan losses - Noninterest income Noninterest expenses Income before income taxes Income tax expense Net income $ 1,673 $ 211 $ 1,884 Total assets $ 489,821 $ 3,015 $ 492,836 For the six months ended June 30, 2014 Net interest income $ 7,977 $ - $ 7,977 Provision for loan losses - Net interest income after provision for loan losses - Noninterest income Noninterest expenses Income before income taxes Income tax expense Net income $ 1,418 $ 130 $ 1,548 Total assets $ 444,081 $ 3,279 $ 447,360 Community Banking Mortgage Total For the three months ended June 30, 2015 Net interest income $ 4,324 $ - $ 4,324 Provision for loan losses - Net interest income after provision for loan losses - Noninterest income Noninterest expenses Income before income taxes Income tax expense Net income (loss) $ 843 $ 114 $ 957 Total assets $ 489,821 $ 3,015 $ 492,836 For the three months ended June 30, 2014 Net interest income $ 4,023 $ - $ 4,023 Provision for loan losses - - - Net interest income after provision for loan losses - Noninterest income Noninterest expenses Income before income taxes Income tax expense Net income $ 733 $ 110 $ 843 Total assets $ 444,081 $ 3,279 $ 447,360

Loans, Allowance For Loan Los24

Loans, Allowance For Loan Losses and OREO (Tables)	6 Months Ended
	Jun. 30, 2015
Loans, Allowance For Loan Losses and OREO [Abstract]
Summary Of Loans, Net	As of: June 30 , December 31, 2015 2014 Commercial $ $ Commercial real estate Consumer Residential Total loans Less allowance for loan losses Net loans $ $
Loans On Non-Accrual Status	Loan s on Non-Accrual Status ( dollars in thousands ) As of June 30 , 2015 December 31, 2014 Commercial $ $ Commercial Real Estate: Commercial Mortgages-Owner Occupied - Commercial Mortgages-Non-Owner Occupied Commercial Construction Consumer Consumer Unsecured - - Consumer Secured Residential: Residential Mortgages Residential Consumer Construction Totals $ $
Changes In OREO Balance	OREO Changes ( dollars in thousands ) Six Months ended Year ended June 30 , 2015 December 31, 2014 Balance at the beginning of the year (net) $ $ Transfers from loans Capitalized costs - Writedowns Sales proceeds (Loss) on disposition Balance at the end of the period (net) $ $
Impaired Loans	Impaired Loans ( dollars in thousands) As of and For the Six Months Ended June 30 , 2015 Unpaid Average Interest Recorded Principal Related Recorded Income 2015 Investment Balance Allowance Investment Recognized With No Related Allowance Recorded: Commercial $ $ $ - $ $ - Commercial Real Estate Commercial Mortgages-Owner Occupied - Commercial Mortgage Non-Owner Occupied - Commercial Construction - - Consumer Consumer Unsecured - - - - - Consumer Secured - Residential Residential Mortgages - Residential Consumer Construction - - - - - With An Allowance Recorded: Commercial $ $ $ $ $ Commercial Real Estate Commercial Mortgages-Owner Occupied Commercial Mortgage Non-Owner Occupied Commercial Construction - Consumer Consumer Unsecured - - - - - Consumer Secured Residential Residential Mortgages Residential Consumer Construction - - - - - Totals: Commercial $ $ $ $ $ Commercial Real Estate Commercial Mortgages-Owner Occupied Commercial Mortgage Non-Owner Occupied Commercial Construction - Consumer Consumer Unsecured - - - - - Consumer Secured Residential Residential Mortgages Residential Consumer Construction - - - - - $ $ $ $ $ Note 9 – Loans, allowance for loan losses and OREO (continued) Impaired Loans ( dollars in thousands) As of and For the Year Ended December 31, 2014 Unpaid Average Interest Recorded Principal Related Recorded Income 2014 Investment Balance Allowance Investment Recognized With No Related Allowance Recorded: Commercial $ $ $ - $ $ Commercial Real Estate Commercial Mortgages-Owner Occupied - Commercial Mortgage Non-Owner Occupied - Commercial Construction - - Consumer Consumer Unsecured - - - - - Consumer Secured - Residential Residential Mortgages - Residential Consumer Construction - - - - - With An Allowance Recorded: Commercial $ $ $ $ $ Commercial Real Estate Commercial Mortgages-Owner Occupied Commercial Mortgage Non-Owner Occupied Commercial Construction - - - - - Consumer Consumer Unsecured - - - - - Consumer Secured Residential Residential Mortgages Residential Consumer Construction - - - - - Totals: Commercial $ $ $ $ $ Commercial Real Estate Commercial Mortgages-Owner Occupied Commercial Mortgage Non-Owner Occupied Commercial Construction - - Consumer Consumer Unsecured - - - - - Consumer Secured Residential Residential Mortgages Residential Consumer Construction - - - - - $ $ $ $ $
Allowance For Loan Losses And Recorded Investment In Loans	Allowance for Loan Losses and Recorded Investment in Loans ( dollars in thousands) As of and For the Six Months Ended June 30 , 2015 Commercial 2015 Commercial Real Estate Consumer Residential Total Allowance for Loan Losses: Beginning Balance $ $ $ $ $ Charge-offs - Recoveries - Provision Ending Balance $ $ $ $ $ Ending Balance: Individually evaluated for impairment $ $ $ $ $ Ending Balance: Collectively evaluated for impairment Totals: $ $ $ $ $ Loans : Ending Balance: Individually evaluated for impairment $ $ $ $ $ Ending Balance: Collectively evaluated for impairment Totals: $ $ $ $ $ Note 9 – Loans, allowance for loan losses and OREO (continued) Allowance for Loan Losses and Recorded Investment in Loans ( dollars in thousands) As of and For the Year Ended December 31, 2014 Commercial 2014 Commercial Real Estate Consumer Residential Total Allowance for Loan Losses: Beginning Balance $ $ $ $ $ Charge-offs Recoveries - Provision Ending Balance $ $ $ $ $ Ending Balance: Individually evaluated for impairment $ $ $ $ $ Ending Balance: Collectively evaluated for impairment Totals: $ $ $ $ $ Loans : Ending Balance: Individually evaluated for impairment $ $ $ $ $ Ending Balance: Collectively evaluated for impairment Totals: $ $ $ $ $
Age Analysis Of Past Due Financing Receivables	Age Analysis of Past Due Loans as of June 30 , 2015 ( dollars in thousands ) Greater Recorded Investment 30-59 Days 60-89 Days than Total Past Total > 90 Days & 2015 Past Due Past Due 90 Days Due Current Loans Accruing Commercial $ $ $ $ $ $ $ - Commercial Real Estate: Commercial Mortgages- Owner Occupied - - Commercial Mortgages-Non-Owner Occupied - Commercial Construction - - - Consumer: Consumer Unsecured - - Consumer Secured - Residential: Residential Mortgages - - Residential Consumer Construction - - - Total $ $ $ $ $ $ $ - Age Analysis of Past Due Loans as of December 31, 2014 ( dollars in thousands ) Greater Recorded Investment 30-59 Days 60-89 Days than Total Past Total > 90 Days & 2014 Past Due Past Due 90 Days Due Current Loans Accruing Commercial $ $ $ $ $ $ $ - Commercial Real Estate: Commercial Mortgages-Owner Occupied - - Commercial Mortgages-Non-Owner Occupied - - Commercial Construction - - - Consumer: Consumer Unsecured - - - Consumer Secured - - - Residential: Residential Mortgages - Residential Consumer Construction - - - Total $ $ $ $ $ $ $ -
Credit Quality Information-By Class	Credit Quality Information - by Class June 30, 2015 ( dollars in thousands ) 2015 Pass Monitor Special Substandard Doubtful Totals Mention Commercial $ $ $ $ $ - $ Commercial Real Estate: Commercial Mortgages-Owner Occupied - Commercial Mortgages-Non Owner Occupied - Commercial Construction - - - Consumer Consumer Unsecured - - - - Consumer Secured - Residential: Residential Mortgages - - Residential Consumer Construction - - - Totals $ $ $ $ $ - $ Credit Quality Information - by Class December 31, 2014 ( dollars in thousands ) 2014 Pass Monitor Special Substandard Doubtful Totals Mention Commercial $ $ $ $ $ - $ Commercial Real Estate: Commercial Mortgages-Owner Occupied - Commercial Mortgages-Non Owner Occupied - Commercial Construction - - - Consumer Consumer Unsecured - - - Consumer Secured - Residential: Residential Mortgages - Residential Consumer Construction - - - Totals $ $ $ $ $ - $
Loan modifcations classified as TDR's	For the Three Months Ended June 30, 2015 ( dollars in thousands) Troubled Debt Restructurings During the Period Number of Contracts Pre-Modification Outstanding Recorded Investment Pre-Modification Outstanding Recorded Investment Commercial Real Estate 2 $ $ For the Six Months Ended June 30, 2015 ( dollars in thousands) Troubled Debt Restructurings During the Period Number of Contracts Pre-Modification Outstanding Recorded Investment Pre-Modification Outstanding Recorded Investment Commercial 1 $ $ Commercial Real Estate 2 $ $

Earnings Per Common Share (EP25

Earnings Per Common Share (EPS) (Earnings Per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Earnings Per Common Share (EPS) [Abstract]
Net income	$ 957	$ 843	$ 1,884	$ 1,548
Basic EPS weighted average shares outstanding	3,371,616	3,364,874	3,371,616	3,364,874
Diluted EPS weighted average shares outstanding	3,371,616	3,364,874	3,371,616	3,364,874
Basic earnings per common share	$ 0.28	$ 0.25	$ 0.56	$ 0.46
Diluted earnings per common share	$ 0.28	$ 0.25	$ 0.56	$ 0.46

Earnings Per Common Share (EP26

Earnings Per Common Share (EPS) (Schedule Of Antidilutive Securities Excluded From Computation Of Earnings Per Share) (Details) - shares	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Earnings Per Common Share (EPS) [Abstract]
Incremental shares excluded from calculating diluted EPS because their effect was anti-dilutive	66,576	110,147	66,576	110,147

Stock Based Compensation (Detai

Stock Based Compensation (Details) - Jun. 30, 2015 - $ / shares	Total
Stock Based Compensation [Abstract]
Options outstanding, January 1, 2015, Shares	69,372
Exercised, Shares
Forfeited, Shares	(2,796)
Options outstanding, June 30, 2015, Shares	66,576
Options exercisable, June 30, 2015, Shares	66,576
Options outstanding, January 1, 2015, Weighted Average Exercise Price	$ 11.44
Exercised, Weighted Average Exercise Price
Forfeited, Weighted Average Exercise Price	$ 10.88
Options outstanding, June 30, 2015, Weighted Average Exercise Price	11.46
Options exercisable, June 30, 2015, Weighted Average Exercise Price	$ 11.46
Options outstanding, June 30, 2015, Weighted Average Remaining Contractual Life (in years)	6 months
Options exercisable, June 30, 2015, Weighted Average Remaining Contractual Life (in years)	6 months

Fair Value Measurements (Fair V

Fair Value Measurements (Fair Value Assets Measured On Recurring Basis) (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	$ 29,448	$ 24,395
Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	$ 29,448	$ 24,395
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
US Agency Obligations [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	$ 21,360	$ 13,498
US Agency Obligations [Member] | Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
US Agency Obligations [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	$ 21,360	$ 13,498
US Agency Obligations [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
Mortgage-Backed Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	$ 4,048	$ 1,982
Mortgage-Backed Securities [Member] | Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
Mortgage-Backed Securities [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	$ 4,048	$ 1,982
Mortgage-Backed Securities [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
Municipals [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	$ 3,553	$ 7,899
Municipals [Member] | Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
Municipals [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	$ 3,553	$ 7,899
Municipals [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
Corporates [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	$ 487	$ 1,016
Corporates [Member] | Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
Corporates [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	$ 487	$ 1,016
Corporates [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value

Fair Value Measurements (Impair

Fair Value Measurements (Impaired Loans And Other Real Estate Owned Measured At Fair Value On A Nonrecurring Basis) (Details) - USD ($) $ in Thousands		Jun. 30, 2015	Dec. 31, 2014	Dec. 31, 2013
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Impaired loans	[1]	$ 4,115	$ 3,045
Loans held for sale		2,972	1,030
Other real estate owned		$ 2,065	$ 956	$ 1,451
Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Impaired loans	[1]
Loans held for sale
Other real estate owned
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for sale		$ 2,972	$ 1,030
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Impaired loans	[1]	$ 4,115	3,045
Loans held for sale
Other real estate owned		$ 2,065	$ 956
[1]	Includes loans charged down during the quarter to the net realizable value of the collateral.

Fair Value Measurements (Inform

Fair Value Measurements (Information Regarding Quantitative Inputs Used To Value Assets Classified As Level 3) (Details) - Jun. 30, 2015 - Significant Unobservable Inputs (Level 3) [Member] - USD ($) $ in Thousands	Total
Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets, Fair Value	$ 4,115
Impaired Loans [Member] | Maximum [Member] | Discounted Appraised Value [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling cost	10.00%
Discount for lack of marketability and age of appraisal	25.00%
Impaired Loans [Member] | Minimum [Member] | Discounted Appraised Value [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling cost	5.00%
Discount for lack of marketability and age of appraisal	0.00%
Impaired Loans [Member] | Weighted Average [Member] | Discounted Appraised Value [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling cost	6.00%
Discount for lack of marketability and age of appraisal	15.00%
OREO [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets, Fair Value	$ 2,065
OREO [Member] | Maximum [Member] | Discounted Appraised Value [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling cost	10.00%
Discount for lack of marketability and age of appraisal	25.00%
OREO [Member] | Minimum [Member] | Discounted Appraised Value [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling cost	5.00%
Discount for lack of marketability and age of appraisal	0.00%
OREO [Member] | Weighted Average [Member] | Discounted Appraised Value [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling cost	6.00%
Discount for lack of marketability and age of appraisal	15.00%

Fair Value Measurements (Fair31

Fair Value Measurements (Fair Value Carrying And Notional Amounts) (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and due from banks	$ 16,498	$ 12,743
Federal funds sold	2,339
Available-for-sale Securities	29,448	24,395
Held-to-maturity Securities	2,524	2,528
Restricted stock	1,313	1,739
Interest receivable	1,216	1,246
BOLI	9,648	9,512
Federal funds purchased		3,189
Interest payable	74	58
Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and due from banks	16,498	$ 12,743
Federal funds sold	$ 2,339
Available-for-sale Securities
FHLB borrowings		$ 10,000
Federal funds purchased		3,189
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale Securities	$ 29,448	24,395
Held-to-maturity Securities	2,684	2,699
Restricted stock	1,313	1,739
Loans held for sale	2,972	1,030
Interest receivable	1,216	1,246
BOLI	9,648	9,512
Deposits	446,532	400,351
FHLB borrowings		2,005
Capital notes	9,989	10,023
Interest payable	$ 74	$ 58
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale Securities
Loans, net	$ 419,189	$ 401,281
Carrying Amounts [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and due from banks	16,498	12,743
Federal funds sold	2,339
Available-for-sale Securities	29,448	24,395
Held-to-maturity Securities	2,524	2,528
Restricted stock	1,313	1,739
Loans, net	412,425	394,573
Loans held for sale	2,972	1,030
Interest receivable	1,216	1,246
BOLI	9,648	9,512
Deposits	445,386	399,497
FHLB borrowings		12,000
Federal funds purchased		3,189
Capital notes	10,000	10,000
Interest payable	74	58
Fair Values [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and due from banks	16,498	12,743
Federal funds sold	2,339
Available-for-sale Securities	29,448	24,395
Held-to-maturity Securities	2,684	2,699
Restricted stock	1,313	1,739
Loans, net	419,189	401,281
Loans held for sale	2,972	1,030
Interest receivable	1,216	1,246
BOLI	9,648	9,512
Deposits	446,532	400,351
FHLB borrowings		12,005
Federal funds purchased		3,189
Capital notes	9,989	10,023
Interest payable	$ 74	$ 58

Capital Notes (Details)

Capital Notes (Details) - USD ($)	1 Months Ended	3 Months Ended	6 Months Ended
	Apr. 30, 2012	Sep. 30, 2012	Jun. 30, 2015
Debt Instrument [Line Items]
Capital notes issued		$ 10,000,000
Duration of written notice to holders			30 days
Payment on maturity principal	$ 7,000,000
2012 Notes [Member]
Debt Instrument [Line Items]
Debt instrument, interest rate, stated percentage			6.00%
Debt instrument, maturity date			Apr. 1, 2017

Securities (Narrative) (Details

Securities (Narrative) (Details)	Jun. 30, 2015security
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Securities evaluated for other than temporary impairment	27
US Agency Obligations [Member]
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Securities evaluated for other than temporary impairment	21
Municipals [Member]
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Securities evaluated for other than temporary impairment	5
S&P Rated AAA [Member]
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Securities evaluated for other than temporary impairment	4
S&P Rated AA [Member]
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Securities evaluated for other than temporary impairment	23

Securities (Summary Of Securiti

Securities (Summary Of Securities Held-To-Maturity And Securities Available-For-Sale) (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Held-to-Maturity, Fair Value	$ 2,684	$ 2,699
Available-for-Sale, Amortized Costs	30,515	24,984
Available-for-Sale, Gross Unrealized Gains	79	114
Available-for-Sale, Gross Unrealized (Losses)	(1,146)	(703)
Available-for-sale, Fair Value	29,448	24,395
US Agency Obligations [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Available-for-Sale, Amortized Costs	22,355	14,090
Available-for-Sale, Gross Unrealized (Losses)	(995)	(592)
Available-for-sale, Fair Value	21,360	13,498
Mortgage-Backed Securities [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Available-for-Sale, Amortized Costs	4,137	2,042
Available-for-Sale, Gross Unrealized (Losses)	(89)	(60)
Available-for-sale, Fair Value	4,048	1,982
Municipals [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Available-for-Sale, Amortized Costs	3,510	7,832
Available-for-Sale, Gross Unrealized Gains	79	114
Available-for-Sale, Gross Unrealized (Losses)	(36)	(47)
Available-for-sale, Fair Value	3,553	7,899
Corporates [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Available-for-Sale, Amortized Costs	513	1,020
Available-for-Sale, Gross Unrealized (Losses)	(26)	(4)
Available-for-sale, Fair Value	487	1,016
US Agency Obligations [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Held-to-Maturity, Amortized Costs	2,524	2,528
Held-to-maturity, Gross Unrealized Gains	160
Held-to-Maturity, Fair Value	$ 2,684	2,699
Available-for-Sale, Gross Unrealized Gains		$ 171

Securities (Gross Unrealized Lo

Securities (Gross Unrealized Losses And Fair Value Of The Bank's Investments) (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	$ 13,583	$ 1,770
Unrealized Losses, Less than 12 months	444	10
Fair Value, More than 12 months	14,213	17,692
Unrealized Losses, More than 12 months	702	693
Fair Value, Total	27,796	19,462
Unrealized Losses, Total	1,146	703
US Agency Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	9,890	999
Unrealized Losses, Less than 12 months	370	1
Fair Value, More than 12 months	11,470	11,502
Unrealized Losses, More than 12 months	625	591
Fair Value, Total	21,360	12,501
Unrealized Losses, Total	995	592
Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	2,065
Unrealized Losses, Less than 12 months	33
Fair Value, More than 12 months	1,983	1,982
Unrealized Losses, More than 12 months	56	60
Fair Value, Total	4,048	1,982
Unrealized Losses, Total	89	60
Municipals [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	1,141	771
Unrealized Losses, Less than 12 months	15	9
Fair Value, More than 12 months	760	3,192
Unrealized Losses, More than 12 months	21	38
Fair Value, Total	1,901	3,963
Unrealized Losses, Total	36	47
Corporates [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	487
Unrealized Losses, Less than 12 months	$ 26
Fair Value, More than 12 months		1,016
Unrealized Losses, More than 12 months		4
Fair Value, Total	$ 487	1,016
Unrealized Losses, Total	$ 26	$ 4

Business Segments (Details)

Business Segments (Details) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2015USD ($)	Jun. 30, 2014USD ($)	Jun. 30, 2015USD ($)segment	Jun. 30, 2014USD ($)	Dec. 31, 2014USD ($)
Segment Reporting Information [Line Items]
Number of reportable segments | segment			2
Net interest income	$ 4,324	$ 4,023	$ 8,520	$ 7,977
Provision for loan losses	57		157	55	$ 55
Net interest income after provision for loan losses	4,267	4,023	8,363	7,922
Noninterest income	1,078	957	2,025	1,674
Noninterest expenses	3,935	3,757	7,615	7,366
Income before income taxes	1,410	1,223	2,773	2,230
Income tax expense	453	380	889	682
Net Income	957	843	1,884	1,548
Total assets	492,836	447,360	492,836	447,360	$ 460,865
Community Banking [Member]
Segment Reporting Information [Line Items]
Net interest income	4,324	4,023	8,520	7,977
Provision for loan losses	57		157	55
Net interest income after provision for loan losses	4,267	4,023	8,363	7,922
Noninterest income	454	550	867	978
Noninterest expenses	3,484	3,497	6,777	6,847
Income before income taxes	1,237	1,076	2,453	2,053
Income tax expense	394	343	780	635
Net Income	843	733	1,673	1,418
Total assets	489,821	444,081	489,821	444,081
Mortgage [Member]
Segment Reporting Information [Line Items]
Noninterest income	624	407	1,158	696
Noninterest expenses	451	260	838	519
Income before income taxes	173	147	320	177
Income tax expense	59	37	109	47
Net Income	114	110	211	130
Total assets	$ 3,015	$ 3,279	$ 3,015	$ 3,279

Loans, Allowance For Loan Los37

Loans, Allowance For Loan Losses and OREO (Narrative) (Details)	3 Months Ended	6 Months Ended		12 Months Ended
	Jun. 30, 2014contract	Jun. 30, 2015USD ($)contract	Jun. 30, 2014contract	Dec. 31, 2014USD ($)contract	Dec. 31, 2013USD ($)
Loans, Allowance For Loan Losses and OREO [Abstract]
Number of loans classified as TDRs	0		0
Number of Contracts (That Subsequently Defaulted)		0	0
Outstanding commitments to disburse additional funds on TDR's		0		0
Other real estate owned | $		$ 50,000		$ 65,000
Real Estate Acquired Through Foreclosure | $		$ 2,065,000		$ 956,000	$ 1,451,000

Loans, Allowance For Loan Los38

Loans, Allowance For Loan Losses and OREO (Summary Of Loans, Net) (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Loans, Allowance For Loan Losses and OREO [Abstract]
Commercial	$ 68,427	$ 63,259
Commercial real estate	215,755	207,262
Consumer	78,675	76,380
Residential	54,154	52,462
Total loans	417,011	399,363
Less allowance for loan losses	4,586	4,790
Net loans	$ 412,425	$ 394,573

Loans, Allowance For Loan Los39

Loans, Allowance For Loan Losses and OREO (Loans On Non-Accrual Status) (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	$ 1,909	$ 3,506
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	678	1,965
Commercial Mortgages-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status		212
Commercial Mortgages-Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	314	70
Commercial Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	$ 367	$ 460
Consumer Unsecured [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status
Consumer Secured [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	$ 258	$ 20
Residential Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	205	689
Residential Consumer Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	$ 87	$ 90

Loans, Allowance For Loan Los40

Loans, Allowance For Loan Losses and OREO (Changes In OREO Balance) (Details) - USD ($) $ in Thousands	6 Months Ended		12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Loans, Allowance For Loan Losses and OREO [Abstract]
Balance at the beginning of the year (net)	$ 956	$ 1,451	$ 1,451
Transfers from loans	1,125		$ 473
Capitalized costs	25
Writedowns	(15)		$ (167)
Sales proceeds	(25)		(780)
(Loss) on disposition	(1)	$ 2	(21)
Balance at the end of the period (net)	$ 2,065		$ 956

Loans, Allowance For Loan Los41

Loans, Allowance For Loan Losses and OREO (Impaired Loans) (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Financing Receivable, Impaired [Line Items]
Totals: Recorded Investment	$ 11,183	$ 10,677
Totals: Unpaid Principal Balance	12,402	12,619
Related Allowance	1,066	1,058
Totals: Average Recorded Investment	10,935	10,834
Totals: Interest Income Recognized	298	480
Commercial [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	50	2,017
With No Related Allowance Recorded: Unpaid Principal Balance	53	2,280
With No Related Allowance Recorded: Average Recorded Investment	1,034	2,641
With No Related Allowance Recorded: Interest Income Recognized		63
With An Allowance Recorded: Recorded Investment	1,197	1,406
With An Allowance Recorded: Unpaid Principal Balance	1,270	1,861
With An Allowance Recorded: Average Recorded Investment	1,302	990
With An Allowance Recorded: Interest Income Recognized	16	29
Totals: Recorded Investment	1,247	3,423
Totals: Unpaid Principal Balance	1,323	4,141
Related Allowance	499	713
Totals: Average Recorded Investment	2,336	3,631
Totals: Interest Income Recognized	16	92
Commercial Mortgages-Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	3,960	2,835
With No Related Allowance Recorded: Unpaid Principal Balance	3,960	2,835
With No Related Allowance Recorded: Average Recorded Investment	3,398	1,687
With No Related Allowance Recorded: Interest Income Recognized	116	152
With An Allowance Recorded: Recorded Investment	1,227	852
With An Allowance Recorded: Unpaid Principal Balance	1,227	1,029
With An Allowance Recorded: Average Recorded Investment	1,040	1,636
With An Allowance Recorded: Interest Income Recognized	30	36
Totals: Recorded Investment	5,187	3,687
Totals: Unpaid Principal Balance	5,187	3,864
Related Allowance	61	63
Totals: Average Recorded Investment	4,438	3,323
Totals: Interest Income Recognized	146	188
Commercial Mortgages-Non-Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	1,021	1,078
With No Related Allowance Recorded: Unpaid Principal Balance	1,021	1,128
With No Related Allowance Recorded: Average Recorded Investment	1,050	1,041
With No Related Allowance Recorded: Interest Income Recognized	27	75
With An Allowance Recorded: Recorded Investment	497	126
With An Allowance Recorded: Unpaid Principal Balance	550	126
With An Allowance Recorded: Average Recorded Investment	312	173
With An Allowance Recorded: Interest Income Recognized	14	7
Totals: Recorded Investment	1,518	1,204
Totals: Unpaid Principal Balance	1,571	1,254
Related Allowance	81	32
Totals: Average Recorded Investment	1,362	1,214
Totals: Interest Income Recognized	41	82
Commercial Construction [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	27	460
With No Related Allowance Recorded: Unpaid Principal Balance	499	1,194
With No Related Allowance Recorded: Average Recorded Investment	244	606
With An Allowance Recorded: Recorded Investment	340
With An Allowance Recorded: Unpaid Principal Balance	677
With An Allowance Recorded: Average Recorded Investment	170
Totals: Recorded Investment	367	460
Totals: Unpaid Principal Balance	1,176	1,194
Related Allowance	78
Totals: Average Recorded Investment	$ 414	$ 606
Consumer Unsecured [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment
With No Related Allowance Recorded: Unpaid Principal Balance
With No Related Allowance Recorded: Average Recorded Investment
With No Related Allowance Recorded: Interest Income Recognized
Consumer Secured [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	$ 20	$ 21
With No Related Allowance Recorded: Unpaid Principal Balance	20	21
With No Related Allowance Recorded: Average Recorded Investment	21	21
With No Related Allowance Recorded: Interest Income Recognized	1	1
With An Allowance Recorded: Recorded Investment	444	119
With An Allowance Recorded: Unpaid Principal Balance	501	119
With An Allowance Recorded: Average Recorded Investment	282	80
With An Allowance Recorded: Interest Income Recognized	8	7
Totals: Recorded Investment	464	140
Totals: Unpaid Principal Balance	521	140
Related Allowance	233	119
Totals: Average Recorded Investment	303	101
Totals: Interest Income Recognized	9	8
Residential Mortgages [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	1,588	934
With No Related Allowance Recorded: Unpaid Principal Balance	1,668	1,058
With No Related Allowance Recorded: Average Recorded Investment	1,261	702
With No Related Allowance Recorded: Interest Income Recognized	62	58
With An Allowance Recorded: Recorded Investment	812	829
With An Allowance Recorded: Unpaid Principal Balance	956	968
With An Allowance Recorded: Average Recorded Investment	821	1,257
With An Allowance Recorded: Interest Income Recognized	24	52
Totals: Recorded Investment	2,400	1,763
Totals: Unpaid Principal Balance	2,624	2,026
Related Allowance	114	131
Totals: Average Recorded Investment	2,082	1,959
Totals: Interest Income Recognized	$ 86	$ 110
Residential Consumer Construction [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment
With No Related Allowance Recorded: Unpaid Principal Balance
With No Related Allowance Recorded: Average Recorded Investment
With No Related Allowance Recorded: Interest Income Recognized
With An Allowance Recorded: Recorded Investment
With An Allowance Recorded: Unpaid Principal Balance
With An Allowance Recorded: Average Recorded Investment
With An Allowance Recorded: Interest Income Recognized
Totals: Recorded Investment
Totals: Unpaid Principal Balance
Related Allowance
Totals: Average Recorded Investment
Totals: Interest Income Recognized

Loans, Allowance For Loan Los42

Loans, Allowance For Loan Losses and OREO (Allowance For Loan Losses And Recorded Investment In Loans) (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended		12 Months Ended
	Jun. 30, 2015	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses: Beginning Balance		$ 4,790	$ 5,186	$ 5,186
Allowance for Credit Losses: Charge-offs		(460)		(551)
Allowance for Credit Losses: Recoveries		99		100
Allowance for credit losses: Provision	$ 57	157	55	55
Allowance for Credit Losses: Ending Balance	4,586	4,586		4,790
Allowance for Credit Losses: Ending Balance: Individually evaluated for impairment	1,066	1,066		1,058
Allowance for Credit Losses: Ending Balance: Collectively evaluated for impairment	3,520	3,520		3,732
Allowance for Credit Losses: Totals	4,586	4,586		4,790
Financing Receivables: Ending Balance: Individually evaluated for impairment	11,183	11,183		10,677
Financing Receivables: Ending Balance: Collectively evaluated for impairment	405,828	405,828		388,686
Total loans	417,011	417,011		399,363
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses: Beginning Balance		1,235	1,015	1,015
Allowance for Credit Losses: Charge-offs		(256)		(165)
Allowance for Credit Losses: Recoveries		4		51
Allowance for credit losses: Provision		70		334
Allowance for Credit Losses: Ending Balance	1,053	1,053		1,235
Allowance for Credit Losses: Ending Balance: Individually evaluated for impairment	499	499		713
Allowance for Credit Losses: Ending Balance: Collectively evaluated for impairment	554	554		522
Allowance for Credit Losses: Totals	1,053	1,053		1,235
Financing Receivables: Ending Balance: Individually evaluated for impairment	1,247	1,247		3,423
Financing Receivables: Ending Balance: Collectively evaluated for impairment	67,180	67,180		59,836
Total loans	68,427	68,427		63,259
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses: Beginning Balance		2,194	2,631	2,631
Allowance for Credit Losses: Charge-offs		(49)		(187)
Allowance for Credit Losses: Recoveries		71		10
Allowance for credit losses: Provision		(73)		(260)
Allowance for Credit Losses: Ending Balance	2,413	2,413		2,194
Allowance for Credit Losses: Ending Balance: Individually evaluated for impairment	220	220		95
Allowance for Credit Losses: Ending Balance: Collectively evaluated for impairment	1,923	1,923		2,099
Allowance for Credit Losses: Totals	2,143	2,143		2,194
Financing Receivables: Ending Balance: Individually evaluated for impairment	7,072	7,072		5,351
Financing Receivables: Ending Balance: Collectively evaluated for impairment	208,683	208,683		201,911
Total loans	215,755	215,755		207,262
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses: Beginning Balance		812	935	935
Allowance for Credit Losses: Charge-offs		(155)		(79)
Allowance for Credit Losses: Recoveries		24		39
Allowance for credit losses: Provision		182		(83)
Allowance for Credit Losses: Ending Balance	863	863		812
Allowance for Credit Losses: Ending Balance: Individually evaluated for impairment	233	233		119
Allowance for Credit Losses: Ending Balance: Collectively evaluated for impairment	630	630		693
Allowance for Credit Losses: Totals	863	863		812
Financing Receivables: Ending Balance: Individually evaluated for impairment	464	464		140
Financing Receivables: Ending Balance: Collectively evaluated for impairment	78,211	78,211		76,240
Total loans	78,675	78,675		76,380
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses: Beginning Balance		549	$ 605	605
Allowance for Credit Losses: Charge-offs				(120)
Allowance for credit losses: Provision		(22)		64
Allowance for Credit Losses: Ending Balance	527	527		549
Allowance for Credit Losses: Ending Balance: Individually evaluated for impairment	114	114		131
Allowance for Credit Losses: Ending Balance: Collectively evaluated for impairment	413	413		418
Allowance for Credit Losses: Totals	527	527		549
Financing Receivables: Ending Balance: Individually evaluated for impairment	2,400	2,400		1,763
Financing Receivables: Ending Balance: Collectively evaluated for impairment	51,754	51,754		50,699
Total loans	$ 54,154	$ 54,154		$ 52,462

Loans, Allowance For Loan Los43

Loans, Allowance For Loan Losses and OREO (Age Analysis Of Past Due Financing Receivables) (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due	$ 2,040	$ 980
60 - 89 Days Past Due	1,070	128
Greater than 90 Days	1,615	3,232
Total Past Due	4,725	4,340
Current	412,286	395,023
Total loans	$ 417,011	$ 399,363
Recorded Investment > 90 Days & Accruing
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due	$ 230	$ 21
60 - 89 Days Past Due	10	80
Greater than 90 Days	678	1,965
Total Past Due	918	2,066
Current	67,509	61,193
Total loans	$ 68,427	$ 63,259
Recorded Investment > 90 Days & Accruing
Commercial Mortgages-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due	$ 776	$ 192
60 - 89 Days Past Due	846
Greater than 90 Days		212
Total Past Due	1,622	404
Current	76,726	77,304
Total loans	$ 78,348	$ 77,708
Recorded Investment > 90 Days & Accruing
Commercial Mortgages-Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due	$ 196	$ 86
60 - 89 Days Past Due	80
Greater than 90 Days	135	70
Total Past Due	411	156
Current	123,129	119,019
Total loans	$ 123,540	$ 119,175
Recorded Investment > 90 Days & Accruing
Commercial Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Greater than 90 Days	$ 367	$ 460
Total Past Due	367	460
Current	13,500	9,919
Total loans	$ 13,867	$ 10,379
Recorded Investment > 90 Days & Accruing
Consumer Unsecured [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due	$ 3	$ 11
60 - 89 Days Past Due	4
Total Past Due	7	11
Current	5,415	5,749
Total loans	$ 5,422	$ 5,760
Recorded Investment > 90 Days & Accruing
Consumer Secured [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due	$ 364	$ 15
60 - 89 Days Past Due	130
Greater than 90 Days	230
Total Past Due	724	15
Current	72,529	70,605
Total loans	$ 73,253	$ 70,620
Recorded Investment > 90 Days & Accruing
Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due	$ 240	$ 626
60 - 89 Days Past Due		48
Greater than 90 Days	205	525
Total Past Due	445	1,199
Current	45,981	43,745
Total loans	$ 46,426	$ 44,944
Recorded Investment > 90 Days & Accruing
Residential Consumer Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due	$ 231	$ 29
Total Past Due	231	29
Current	7,497	7,489
Total loans	$ 7,728	$ 7,518
Recorded Investment > 90 Days & Accruing

Loans, Allowance For Loan Los44

Loans, Allowance For Loan Losses and OREO (Credit Quality Information-By Class) (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	$ 417,011	$ 399,363
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	393,501	376,517
Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	3,789	5,841
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	8,005	5,667
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	11,716	$ 11,338
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	68,427	$ 63,259
Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	65,676	58,745
Commercial [Member] | Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	130	725
Commercial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	1,357	224
Commercial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	1,264	$ 3,565
Commercial [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Commercial Mortgages-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	78,348	$ 77,708
Commercial Mortgages-Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	69,293	71,087
Commercial Mortgages-Owner Occupied [Member] | Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	1,378	1,718
Commercial Mortgages-Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	2,406	1,216
Commercial Mortgages-Owner Occupied [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	5,271	$ 3,687
Commercial Mortgages-Owner Occupied [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Commercial Mortgages-Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	123,540	$ 119,175
Commercial Mortgages-Non-Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	116,099	112,560
Commercial Mortgages-Non-Owner Occupied [Member] | Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	1,984	1,586
Commercial Mortgages-Non-Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	4,023	3,971
Commercial Mortgages-Non-Owner Occupied [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	1,434	$ 1,058
Commercial Mortgages-Non-Owner Occupied [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Commercial Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	13,867	$ 10,379
Commercial Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	13,500	9,919
Commercial Construction [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	367	$ 460
Commercial Construction [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Consumer Unsecured [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	5,422	$ 5,760
Consumer Unsecured [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	5,422	5,673
Consumer Unsecured [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables		$ 87
Consumer Unsecured [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Consumer Secured [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	73,253	$ 70,620
Consumer Secured [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	72,080	69,527
Consumer Secured [Member] | Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	297	554
Consumer Secured [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	127	136
Consumer Secured [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	749	$ 403
Consumer Secured [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Residential Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	46,426	$ 44,944
Residential Mortgages [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	43,790	41,578
Residential Mortgages [Member] | Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables		1,258
Residential Mortgages [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	92	120
Residential Mortgages [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	2,544	$ 1,988
Residential Mortgages [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Residential Consumer Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	7,728	$ 7,518
Residential Consumer Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	7,641	7,428
Residential Consumer Construction [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	$ 87	$ 90
Residential Consumer Construction [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables

Loans, Allowance For Loan Los45

Loans, Allowance For Loan Losses And OREO (Loan modifcations classified as TDR's) (Details) - Jun. 30, 2015 $ in Thousands	USD ($)contract	USD ($)contract
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	2	1
Pre-Modification Oustanding Recorded Investment | $	$ 454	$ 20
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts		2
Pre-Modification Oustanding Recorded Investment | $		$ 454