Bank of the James Financial (BOTJ) 10-Q 6 Nov 15 2015 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2015	Nov. 06, 2015
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2015
Document Fiscal Period Focus	Q3
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	Sep. 30, 2015	Dec. 31, 2014
Assets
Cash and due from banks	$ 14,416	$ 12,743
Securities held-to-maturity (fair value of $2,674 in 2015 and $2,699 in 2014)	2,523	2,528
Securities available-for-sale, at fair value	33,122	24,395
Restricted stock, at cost	1,313	1,739
Loans, net of allowance for loan losses of $4,748 in 2015 and $4,790 in 2014	426,850	394,573
Loans held for sale	3,823	1,030
Premises and equipment, net	9,228	9,262
Interest receivable	1,224	1,246
Cash value - bank owned life insurance	9,716	9,512
Other real estate owned, net of valuation allowance	2,265	956
Income taxes receivable	939	945
Deferred tax assets, net	1,194	1,221
Other assets	1,002	715
Total assets	507,615	460,865
Deposits
Noninterest bearing demand	87,933	74,682
NOW, money market and savings	224,908	227,761
Time	145,815	97,054
Total deposits	458,656	399,497
Federal funds purchased	360	3,189
FHLB borrowings		12,000
Capital notes	10,000	10,000
Interest payable	76	58
Other liabilities	1,365	1,345
Total liabilities	$ 470,457	$ 426,089
Stockholders' equity
Preferred stock; authorized 1,000,000 shares; none issued and outstanding as of September 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 September 20, 2015 and December 31, 2014	$ 7,215	$ 7,215
Additional paid-in-capital	22,919	22,919
Retained earnings	7,358	5,031
Accumulated other comprehensive (loss)	(334)	(389)
Total stockholders' equity	37,158	34,776
Total liabilities and stockholders' equity	$ 507,615	$ 460,865

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Consolidated Balance Sheets [Abstract]
Securities held-to-maturity	$ 2,674	$ 2,699
Loans, allowance for loan losses	$ 4,748	$ 4,790
Preferred stock, shares authorized	1,000,000	1,000,000
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 outstanding	3,371,616	3,371,616

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Interest Income
Loans	$ 4,968	$ 4,453	$ 14,354	$ 12,909
Securities
US Government and agency obligations	144	172	427	526
Mortgage backed securities	30	13	58	71
Municipals - taxable	29	55	76	192
Municipals - taxable exempt	10	16	31	99
Dividends	6	5	40	37
Other (Corporates)	2	8	5	34
Interest bearing deposits	3		9
Federal Funds sold	3	4	12	13
Total interest income	5,195	4,726	15,012	13,881
Deposits
NOW, money market savings	130	125	375	364
Time Deposits	423	281	1,146	879
Federal Funds purchased	1	2	2	4
FHLB borrowings		19	28	57
Reverse repurchase agreements				1
Capital notes	150	150	450	450
Total interest expense	704	577	2,001	1,755
Net interest income	4,491	4,149	13,011	12,126
Provision for loan losses	120		277	55
Net interest income after provision for loan losses	4,371	4,149	12,734	12,071
Non-interest
Mortgage income	623	518	1,759	1,214
Service charges, fees and commissions	397	322	1,063	1,036
Increase in cash value of life insurance	68	70	204	213
Other	100	13	154	54
Gain on sales of available-for-sale securities, net	10	6	43	86
Total Non-interest income	1,198	929	3,223	2,603
Non-interest expenses
Salaries and employee benefits	2,135	1,978	6,346	5,767
Occupancy	302	287	903	912
Equipment	360	322	963	937
Supplies	100	92	304	294
Professional, data processing, and other outside expense	591	593	1,637	1,768
Marketing	97	113	321	342
Credit expense	94	80	230	167
Other real estate expenses	63	9	100	166
FDIC insurance expense	87	77	240	184
Other	289	188	689	568
Total non-interest expenses	4,118	3,739	11,733	11,105
Income before income taxes	1,451	1,339	4,224	3,569
Income tax expense	468	425	1,357	1,107
Net Income	$ 983	$ 914	$ 2,867	$ 2,462
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	$ 0.29	$ 0.27	$ 0.85	$ 0.73
Earnings per common share - diluted	$ 0.29	$ 0.27	$ 0.85	$ 0.73

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Consolidated Statements Of Comprehensive Income [Abstract]
Net Income		$ 983	$ 914	$ 2,867	$ 2,462
Other comprehensive income:
Unrealized gains on securities available-for-sale		570	94	125	2,416
Unrealized gains on securities available-for-sale, Tax effect		(194)	(33)	(42)	(821)
Reclassification adjustment for gains included in net income	[1]	(10)	(6)	(43)	(86)
Reclassification adjustment for gains included in net income, Tax effect	[2]	4	2	15	29
Other comprehensive income, net of tax		370	57	55	1,538
Comprehensive income		$ 1,353	$ 971	$ 2,922	$ 4,000
[1]	Gains are included in "gain on sales 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		9 Months Ended		12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Cash flows from operating activities
Net Income	$ 983	$ 914	$ 2,867	$ 2,462
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization			571	546
Net amortization and accretion of premiums and discounts on securities			69	199
(Gain) on sales of available for-sale-securities	(10)	(6)	(43)	(86)
(Gain) on sale of assets				(3)
Provision for loan losses	120		277	55	$ 55
(Gain) on sale of other real estate owned				(1)	21
Impairment of other real estate owned			75	178
(Increase) in loans held-for-sale			(2,793)	(82)
(Increase) in cash value of life insurance	(68)	(70)	(204)	(213)
Decrease in interest receivable			22	141
Decrease (increase) in other assets			(287)	26
Decrease in income taxes receivable			6	33
Increase (decrease) in interest payable			18	(7)
Increase in other liabilities			20	217
Net cash provided by operating activities			598	3,465
Cash flows from investing activities
Proceeds from maturities and calls of securities held-to-maturity				1,000
Purchases of securities available-for-sale			(20,257)	(3,139)
Proceeds from maturities, calls and paydowns of securities available-for-sale			1,206	120
Proceeds from sale of securities available-for-sale			10,385	17,394
Redemption of Federal Home Loan Bank stock			426	139
Proceeds from sale of other real estate owned			66	318
Improvements to other real estate owned			(25)
Origination of loans, net of principal collected			(33,979)	(33,655)
Purchases of premises and equipment			(537)	(431)
Proceeds from Sale of fixed assets				3
Net cash (used in) investing activities			(42,715)	(18,251)
Cash flows from financing activities
Net increase in deposits			59,159	11,433
Net (decrease) increase in federal funds purchased			(2,829)	1,868
Net (decrease) in Federal Home Loan Bank advances			(12,000)
Dividends paid to common stockholders			(540)	(336)
Net cash provided by financing activities			43,790	12,965
Increase (decrease) in cash and cash equivalents			1,673	(1,821)
Cash and cash equivalents at beginning of period			12,743	16,671	16,671
Cash and cash equivalents at end of period	$ 14,416	$ 14,850	14,416	14,850	$ 12,743
Non cash transactions
Transfer of loans to other real estate owned			1,425	459
Loans made to finance the sale of other real estate owned				255
Unrealized gains (losses) on securities available-for-sale			82	2,330
Cash transactions
Cash paid for interest			1,983	1,762
Cash paid for taxes			$ 1,350	$ 1,075

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			2,462		2,462
Dividends declared on common stock			(336)		(336)
Other Comprehensive Income				1,538	1,538
Balance at Sep. 30, 2014	$ 7,201	22,868	4,250	(883)	33,436
Balance, shares at Sep. 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			2,867		2,867
Dividends declared on common stock			(540)		(540)
Other Comprehensive Income				55	55
Balance at Sep. 30, 2015	$ 7,215	$ 22,919	$ 7,358	$ (334)	$ 37,158
Balance, shares at Sep. 30, 2015	3,371,616

Consolidated Statements Of Cha8

Consolidated Statements Of Changes In Stockholders' Equity (Parenthetical) - $ / shares	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Consolidated Statements Of Changes In Stockholders' Equity [Abstract]
Dividend paid on common stock, per share	$ 0.16	$ 0.1

Basis Of Presentation

Basis Of Presentation	9 Months Ended
	Sep. 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 nine months ended September 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 nine month period s ended September 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 bas ed on management’s estimate of an amount that is adequate to absorb probable losses inherent in the 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	9 Months Ended
	Sep. 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)	9 Months Ended
	Sep. 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 diluted earnings per share. The following is a summary of the earnings per share calculation for the three and nine months ended September 30 , 2015 and 2014. Note 3 – Earnings Per Share (continued) Three Months Ended Nine Months Ended September 30, September 30, 2015 2014 2015 2014 Net income $ 983,000 $ 914,000 $ 2,867,000 $ 2,462,000 Basic EPS weighted average shares outstanding Incremental shares attributable to stock options - - - - Diluted EPS weighted average shares outstanding Basic earnings per common share $ 0.29 $ 0.27 $ 0.85 $ 0.73 Diluted earnings per common share $ 0.29 $ 0.27 $ 0.85 $ 0.73 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 Nine Months Ended September 30 , September 30 , 2015 2014 2015 2014 Inc remental shares excluded from calculating diluted EPS because their effect was anti-dilutive The foregoing shares were anti-dilutive because the exercise price of the options was greater than the market price on September 30, 2015 and 2014.

Stock Based Compensation

Stock Based Compensation	9 Months Ended
	Sep. 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 nine months ended September 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, September 30, 2015 $ - Options exercisable, September 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 September 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	9 Months Ended
	Sep. 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 September 30 , 2015 (in thousands) Desc ription Balance as of September 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) Desc ription 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 September 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 September 30 , 2015 Des cription Balance as of September 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 Desc ription 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 September 30 , 2015 (dollars in thousands) Fair Value Valuation Te chnique(s) Unobservable Input Range (Weighted Average) Ass ets 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 September 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 September 30 , 2015 using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Carrying Identical Assets Inputs Inputs Asse ts 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 $ $ - $ $ - $ Federal funds purchased - 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 Ass ets 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	9 Months Ended
	Sep. 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	9 Months Ended
	Sep. 30, 2015
Securities [Abstract]
Securities	Note 7 - Securities The following tables summarize the Bank’s holdings for both securities held-to-maturity and securities available-for-sale as of September 30 , 2015 and December 31, 2014 (amounts in thousands): September 30 , 2015 Amortized Gross Unrealized Fair Value Costs Gains (Losses) Hel d-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) Hel d-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 September 30 , 2015 and December 31, 2014 (amounts in thousands): Less than 12 months More than 12 months Total Fair Unrealized Fair Unrealized Fair Unrealized Sep tember 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 Dece mber 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 September 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 September 30, 2015, the Bank owned 25 securities that were being evaluated for other than temporary impairment. Three of these securities were S&P rated AAA and 22 were S&P rated AA. As of September 30, 2015, 18 of these securities were direct obligations of the U.S. government or government sponsored entities, 6 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	9 Months Ended
	Sep. 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 nine months ended September 30 , 2015 and 2014 was as follows (dollars in thousands): Note 8 – Business Segments (continued) Business Segments Community Banking Mortgage Total For the nine months ended September 30, 2015 Net interest income $ 13,011 $ - $ 13,011 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 $ 2,569 $ 298 $ 2,867 Total assets $ 503,741 $ 3,874 $ 507,615 For the nine months ended September 30, 2014 Net interest income $ 12,126 $ - $ 12,126 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 $ 2,345 $ 117 $ 2,462 Total assets $ 449,623 $ 2,063 $ 451,686 Community Banking Mortgage Total For the three months ended September 30, 2015 Net interest income $ 4,491 $ - $ 4,491 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 $ 896 $ 87 $ 983 Total assets $ 503,741 $ 3,874 $ 507,615 For the three months ended September 30, 2014 Net interest income $ 4,149 $ - $ 4,149 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) $ 927 $ (13) $ 914 Total assets $ 449,623 $ 2,063 $ 451,686

Loans, Allowance For Loan Losse

Loans, Allowance For Loan Losses and OREO	9 Months Ended
	Sep. 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: September 30 , Dec ember 31, 2015 2014 Com mercial $ $ 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 September 30 , 2015 De cember 31, 2014 Com mercial $ $ 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 $ 2,265 ,000 on September 30 , 2015 from $ 956 ,000 on December 31, 2014 . The following table represents the changes in OREO balance during the nine months ended September 30 , 2015 and year ended December 31, 2014 . OREO Changes ( dollars in thousands ) Nine Months ended Year ended September 30 , 2015 December 31, 2014 Bala nce 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 September 30, 2015 and December 31, 2014, the Company had 1 consumer mortgage loan secured by residential real estate for which foreclosure was in process. The Company held $0 and $65,000 of residential real estate in other real estate owned a s of September 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 Nine Months Ended September 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: Commerci al $ $ $ $ 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 Nine Months Ended September 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 September 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 September 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) There were no loan modifications that would have been classified as TDRs during the three months ended September 30, 2015 . The following table describe the loan modifications classified as TDRs during the nine months ended September 30, 2015: For the Nine Months Ended September 30, 2015 ( dollars in thousands) Tro ubled 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 nine months ended September 30, 2014. The loans noted in the table 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. There were no loan modifications classified as TDRs within the last twelve months that defaulted during the three and nine months ended September 30, 2015 and 2014 . At September 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	9 Months Ended
	Sep. 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 permitted. The adoption of the new guidance did not have a material impact on our consolidated financial statements. Note 10 – Recent accounting pronouncements (continued) 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 Company is currently assessing the impact that ASU 2014-12 will have on its 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 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 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 Note 10 – Recent accounting pronouncements (continued) 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, 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 August 2015, the FASB issued ASU No. 2015-14, “Revenue from Contracts with Customers (Topic 606): Deferral of Effective Date.” The amendments in ASU 2015-14 defer the effective date of ASU 2014-09 for all entities by one year. Public business entities, certain not-for-profit entities, and certain employee benefit plans should apply the guidance in ASU 2014-09 to annual reporting periods beginning after December 15, 2017, including interim reporting periods within that reporting period. Earlier application is permitted only as of annual reporting periods beginning after December 15, 2016, including interim reporting periods within that reporting period. All other entities should apply the guidance in ASU 2014-09 to annual reporting periods beginning after December 15, 2018, and interim reporting periods within annual reporting periods beginning after December 15, 2019. All other entities may apply the guidance in ASU 2014-09 earlier as of an annual reporting period beginning after December 15, 2016, including interim reporting periods within that reporting period. All other entities also may apply the guidance in ASU 2014-09 earlier as of an annual reporting period beginning after December 15, 2016, and interim reporting periods within annual reporting periods beginning one year after the annual reporting period in which the entity first applies the guidance in ASU 2014-09. The Company does not expect the adoption of ASU 2015-14 (or ASU 2014-09) to have a material impact on its consolidated financial statements. Note 10 – Recent accounting pronouncements (continued) In August 2015, the FASB issued ASU 2015-15, “Interest – Imputation of Interest (Subtopic 835-30) – Presentation and Subsequent Measurement of Debt Issuance Costs Associated with Line-of-Credit Arrangements (Amendments to SEC Paragraphs Pursuant to Staff Announcement at June 18, 2015 EITF Meeting).” On April 7, 2015, the FASB issued ASU 2015-03, Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, which requires entities to present debt issuance costs related to a recognized debt liability as a direct deduction from the carrying amount of that debt liability. The guidance in ASU 2015-03 (see paragraph 835-30-45-1A) does not address presentation or subsequent measurement of debt issuance costs related to line-of-credit arrangements. Given the absence of authoritative guidance within ASU 2015-03 for debt issuance costs related to line-of-credit arrangements, the SEC staff stated that they would not object to an entity deferring and presenting debt issuance costs as an asset and subsequently amortizing the deferred debt issuance costs ratably over the term of the line-of-credit arrangement, regardless of whether there are any outstanding borrowings on the line-of-credit arrangement. ASU 2015-15 adds these SEC comments to the "S" section of the Codification. The Company does not expect the adoption of ASU 2015-15 to have a material impact on its consolidated financial statements. In September 2015, the FASB issued ASU 2015-16, “Business Combinations (Topic 805): Simplifying the Accounting for Measurement-Period Adjustments.” The amendments in ASU 2015-16 require that an acquirer recognize adjustments to estimated amounts that are identified during the measurement period in the reporting period in which the adjustment amounts are determined. The amendments require that the acquirer record, in the same period’s financial statements, the effect on earnings of changes in depreciation, amortization, or other income effects, if any, as a result of the change to the estimated amounts, calculated as if the accounting had been completed at the acquisition date. The amendments also require an entity to present separately on the face of the income statement or disclose in the notes the portion of the amount recorded in current-period earnings by line item that would have been recorded in previous reporting periods if the adjustment to the estimated amounts had been recognized as of the acquisition date. The amendments in this ASU are effective for public business entities for fiscal years beginning after December 15, 2015, including interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2016, and interim periods within fiscal years beginning after December 15, 2017. The amendments should be applied prospectively to adjustments to provisional amounts that occur after the effective date with earlier application permitted for financial statements that have not been issued. The Company does not expect the adoption of ASU 2015-16 to have a material impact on its consolidated financial statements.

Earnings Per Common Share (EP19

Earnings Per Common Share (EPS) (Tables)	9 Months Ended
	Sep. 30, 2015
Earnings Per Common Share (EPS) [Abstract]
Earnings Per Share	Three Months Ended Nine Months Ended September 30, September 30, 2015 2014 2015 2014 Net income $ 983,000 $ 914,000 $ 2,867,000 $ 2,462,000 Basic EPS weighted average shares outstanding Incremental shares attributable to stock options - - - - Diluted EPS weighted average shares outstanding Basic earnings per common share $ 0.29 $ 0.27 $ 0.85 $ 0.73 Diluted earnings per common share $ 0.29 $ 0.27 $ 0.85 $ 0.73
Schedule Of Antidilutive Securities Excluded From Computation Of Earnings Per Share	Three Months E nded Nine Months Ended September 30 , September 30 , 2015 2014 2015 2014 Inc remental shares excluded from calculating diluted EPS because their effect was anti-dilutive

Stock Based Compensation (Table

Stock Based Compensation (Tables)	9 Months Ended
	Sep. 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, September 30, 2015 $ - Options exercisable, September 30, 2015 $ 11.46 $ -

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2015
Fair Value Measurements [Abstract]
Fair Value Assets Measured On Recurring Basis	Carrying Value at September 30 , 2015 (in thousands) Desc ription Balance as of September 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) Desc ription 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 September 30 , 2015 Des cription Balance as of September 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 Desc ription 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 September 30 , 2015 (dollars in thousands) Fair Value Valuation Te chnique(s) Unobservable Input Range (Weighted Average) Ass ets 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 September 30 , 2015 using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Carrying Identical Assets Inputs Inputs Asse ts 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 $ $ - $ $ - $ Federal funds purchased - 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 Ass ets 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)	9 Months Ended
	Sep. 30, 2015
Securities [Abstract]
Summary Of Securities Held-To-Maturity And Securities Available-For-Sale	September 30 , 2015 Amortized Gross Unrealized Fair Value Costs Gains (Losses) Hel d-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) Hel d-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 Sep tember 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 Dece mber 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)	9 Months Ended
	Sep. 30, 2015
Business Segments [Abstract]
Schedule Of Segment Reporting Information, By Segment	Business Segments Community Banking Mortgage Total For the nine months ended September 30, 2015 Net interest income $ 13,011 $ - $ 13,011 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 $ 2,569 $ 298 $ 2,867 Total assets $ 503,741 $ 3,874 $ 507,615 For the nine months ended September 30, 2014 Net interest income $ 12,126 $ - $ 12,126 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 $ 2,345 $ 117 $ 2,462 Total assets $ 449,623 $ 2,063 $ 451,686 Community Banking Mortgage Total For the three months ended September 30, 2015 Net interest income $ 4,491 $ - $ 4,491 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 $ 896 $ 87 $ 983 Total assets $ 503,741 $ 3,874 $ 507,615 For the three months ended September 30, 2014 Net interest income $ 4,149 $ - $ 4,149 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) $ 927 $ (13) $ 914 Total assets $ 449,623 $ 2,063 $ 451,686

Loans, Allowance For Loan Los24

Loans, Allowance For Loan Losses and OREO (Tables)	9 Months Ended
	Sep. 30, 2015
Loans, Allowance For Loan Losses and OREO [Abstract]
Summary Of Loans, Net	As of: September 30 , Dec ember 31, 2015 2014 Com mercial $ $ 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 September 30 , 2015 De cember 31, 2014 Com mercial $ $ 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 ) Nine Months ended Year ended September 30 , 2015 December 31, 2014 Bala nce 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 Nine Months Ended September 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: Commerci al $ $ $ $ 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 Nine Months Ended September 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 September 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 September 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 Nine Months Ended September 30, 2015 ( dollars in thousands) Tro ubled 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		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Earnings Per Common Share (EPS) [Abstract]
Net income	$ 983	$ 914	$ 2,867	$ 2,462
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	$ 0.29	$ 0.27	$ 0.85	$ 0.73
Diluted earnings per common share	$ 0.29	$ 0.27	$ 0.85	$ 0.73

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		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Earnings Per Common Share (EPS) [Abstract]
Incremental shares excluded from calculating diluted EPS because their effect was anti-dilutive	66,313	110,147	66,313	110,645

Stock Based Compensation (Detai

Stock Based Compensation (Details)	9 Months Ended
	Sep. 30, 2015$ / sharesshares
Stock Based Compensation [Abstract]
Options outstanding, January 1, 2015, Shares	69,372
Exercised, Shares
Forfeited, Shares	(3,059)
Options outstanding, September 30, 2015, Shares	66,313
Options exercisable, September 30, 2015, Shares	66,313
Options outstanding, January 1, 2015, Weighted Average Exercise Price | $ / shares	$ 11.44
Exercised, Weighted Average Exercise Price | $ / shares
Forfeited, Weighted Average Exercise Price | $ / shares	$ 10.93
Options outstanding, September 30, 2015, Weighted Average Exercise Price | $ / shares	11.46
Options exercisable, September 30, 2015, Weighted Average Exercise Price | $ / shares	$ 11.46
Options outstanding, September 30, 2015, Weighted Average Remaining Contractual Life (in years)	3 months
Options exercisable, September 30, 2015, Weighted Average Remaining Contractual Life (in years)	3 months

Fair Value Measurements (Fair V

Fair Value Measurements (Fair Value Assets Measured On Recurring Basis) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	$ 33,122	$ 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	$ 33,122	$ 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	$ 17,270	$ 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	$ 17,270	$ 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	$ 10,226	$ 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	$ 10,226	$ 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	$ 5,128	$ 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	$ 5,128	$ 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	$ 498	$ 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	$ 498	$ 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		Sep. 30, 2015	Dec. 31, 2014	Dec. 31, 2013
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Impaired loans	[1]	$ 3,707	$ 3,045
Loans held for sale		3,823	1,030
Other real estate owned		$ 2,265	$ 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		$ 3,823	$ 1,030
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Impaired loans	[1]	$ 3,707	3,045
Loans held for sale
Other real estate owned		$ 2,265	$ 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) - Significant Unobservable Inputs (Level 3) [Member] $ in Thousands	9 Months Ended
	Sep. 30, 2015USD ($)
Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets, Fair Value	$ 3,707
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	$ 2,265
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	Sep. 30, 2015	Dec. 31, 2014
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and due from banks	$ 14,416	$ 12,743
Available-for-sale Securities	33,122	24,395
Held-to-maturity Securities	2,523	2,528
Restricted stock	1,313	1,739
Interest receivable	1,224	1,246
BOLI	9,716	9,512
Federal funds purchased	360	3,189
Interest payable	76	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	$ 14,416	$ 12,743
Available-for-sale Securities
FHLB borrowings		$ 10,000
Federal funds purchased	$ 360	3,189
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale Securities	33,122	24,395
Held-to-maturity Securities	2,674	2,699
Restricted stock	1,313	1,739
Loans held for sale	3,823	1,030
Interest receivable	1,224	1,246
BOLI	9,716	9,512
Deposits	459,746	400,351
FHLB borrowings		2,005
Capital notes	10,025	10,023
Interest payable	$ 76	$ 58
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale Securities
Loans, net	$ 434,192	$ 401,281
Carrying Amounts [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and due from banks	14,416	12,743
Available-for-sale Securities	33,122	24,395
Held-to-maturity Securities	2,523	2,528
Restricted stock	1,313	1,739
Loans, net	426,850	394,573
Loans held for sale	3,823	1,030
Interest receivable	1,224	1,246
BOLI	9,716	9,512
Deposits	458,656	399,497
FHLB borrowings		12,000
Federal funds purchased	360	3,189
Capital notes	10,000	10,000
Interest payable	76	58
Fair Values [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and due from banks	14,416	12,743
Available-for-sale Securities	33,122	24,395
Held-to-maturity Securities	2,674	2,699
Restricted stock	1,313	1,739
Loans, net	434,192	401,281
Loans held for sale	3,823	1,030
Interest receivable	1,224	1,246
BOLI	9,716	9,512
Deposits	459,746	400,351
FHLB borrowings		12,005
Federal funds purchased	360	3,189
Capital notes	10,025	10,023
Interest payable	$ 76	$ 58

Capital Notes (Details)

Capital Notes (Details) - USD ($)	1 Months Ended	3 Months Ended	9 Months Ended
	Apr. 30, 2012	Sep. 30, 2012	Sep. 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)	Sep. 30, 2015security
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Securities evaluated for other than temporary impairment	25
US Agency Obligations [Member]
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Securities evaluated for other than temporary impairment	18
Municipals [Member]
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Securities evaluated for other than temporary impairment	6
S&P Rated AAA [Member]
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Securities evaluated for other than temporary impairment	3
S&P Rated AA [Member]
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Securities evaluated for other than temporary impairment	22

Securities (Summary Of Securiti

Securities (Summary Of Securities Held-To-Maturity And Securities Available-For-Sale) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Held-to-Maturity, Fair Value	$ 2,674	$ 2,699
Available-for-Sale, Amortized Costs	33,629	24,984
Available-for-Sale, Gross Unrealized Gains	113	114
Available-for-Sale, Gross Unrealized (Losses)	(620)	(703)
Available-for-sale, Fair Value	33,122	24,395
US Agency Obligations [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Available-for-Sale, Amortized Costs	17,827	14,090
Available-for-Sale, Gross Unrealized (Losses)	(557)	(592)
Available-for-sale, Fair Value	17,270	13,498
Mortgage-Backed Securities [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Available-for-Sale, Amortized Costs	10,239	2,042
Available-for-Sale, Gross Unrealized Gains	18
Available-for-Sale, Gross Unrealized (Losses)	(31)	(60)
Available-for-sale, Fair Value	10,226	1,982
Municipals [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Available-for-Sale, Amortized Costs	5,051	7,832
Available-for-Sale, Gross Unrealized Gains	95	114
Available-for-Sale, Gross Unrealized (Losses)	(18)	(47)
Available-for-sale, Fair Value	5,128	7,899
Corporates [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Available-for-Sale, Amortized Costs	512	1,020
Available-for-Sale, Gross Unrealized (Losses)	(14)	(4)
Available-for-sale, Fair Value	498	1,016
US Agency Obligations [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Held-to-Maturity, Amortized Costs	2,523	2,528
Held-to-maturity, Gross Unrealized Gains	151	171
Held-to-Maturity, Fair Value	$ 2,674	$ 2,699

Securities (Gross Unrealized Lo

Securities (Gross Unrealized Losses And Fair Value Of The Bank's Investments) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	$ 9,843	$ 1,770
Unrealized Losses, Less than 12 months	298	10
Fair Value, More than 12 months	14,587	17,692
Unrealized Losses, More than 12 months	322	693
Fair Value, Total	24,430	19,462
Unrealized Losses, Total	620	703
US Agency Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	5,470	999
Unrealized Losses, Less than 12 months	264	1
Fair Value, More than 12 months	11,800	11,502
Unrealized Losses, More than 12 months	293	591
Fair Value, Total	17,270	12,501
Unrealized Losses, Total	557	592
Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	1,955
Unrealized Losses, Less than 12 months	15
Fair Value, More than 12 months	2,021	1,982
Unrealized Losses, More than 12 months	16	60
Fair Value, Total	3,976	1,982
Unrealized Losses, Total	31	60
Municipals [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	1,920	771
Unrealized Losses, Less than 12 months	5	9
Fair Value, More than 12 months	766	3,192
Unrealized Losses, More than 12 months	13	38
Fair Value, Total	2,686	3,963
Unrealized Losses, Total	18	47
Corporates [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	498
Unrealized Losses, Less than 12 months	$ 14
Fair Value, More than 12 months		1,016
Unrealized Losses, More than 12 months		4
Fair Value, Total	$ 498	1,016
Unrealized Losses, Total	$ 14	$ 4

Business Segments (Details)

Business Segments (Details) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2015USD ($)	Sep. 30, 2014USD ($)	Sep. 30, 2015USD ($)segment	Sep. 30, 2014USD ($)	Dec. 31, 2014USD ($)
Segment Reporting Information [Line Items]
Number of reportable segments | segment			2
Net interest income	$ 4,491	$ 4,149	$ 13,011	$ 12,126
Provision for loan losses	120		277	55	$ 55
Net interest income after provision for loan losses	4,371	4,149	12,734	12,071
Noninterest income	1,198	929	3,223	2,603
Noninterest expenses	4,118	3,739	11,733	11,105
Income before income taxes	1,451	1,339	4,224	3,569
Income tax expense	468	425	1,357	1,107
Net Income	983	914	2,867	2,462
Total assets	507,615	451,686	507,615	451,686	$ 460,865
Community Banking [Member]
Segment Reporting Information [Line Items]
Net interest income	4,491	4,149	13,011	12,126
Provision for loan losses	120		277	55
Net interest income after provision for loan losses	4,371	4,149	12,734	12,071
Noninterest income	561	411	1,428	1,389
Noninterest expenses	3,613	3,224	10,390	10,071
Income before income taxes	1,319	1,336	3,772	3,389
Income tax expense	423	409	1,203	1,044
Net Income	896	927	2,569	2,345
Total assets	503,741	449,623	503,741	449,623
Mortgage [Member]
Segment Reporting Information [Line Items]
Noninterest income	637	518	1,795	1,214
Noninterest expenses	505	515	1,343	1,034
Income before income taxes	132	3	452	180
Income tax expense	45	16	154	63
Net Income	87	(13)	298	117
Total assets	$ 3,874	$ 2,063	$ 3,874	$ 2,063

Loans, Allowance For Loan Los37

Loans, Allowance For Loan Losses and OREO (Narrative) (Details)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2015USD ($)contract	Sep. 30, 2014contract	Sep. 30, 2015USD ($)contract	Sep. 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	0	0
Outstanding commitments to disburse additional funds on TDR's			0		0
Other real estate owned | $	$ 0		$ 0		$ 65,000
Real Estate Acquired Through Foreclosure | $	$ 2,265,000		$ 2,265,000		$ 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	Sep. 30, 2015	Dec. 31, 2014
Loans, Allowance For Loan Losses and OREO [Abstract]
Commercial	$ 73,372	$ 63,259
Commercial real estate	218,827	207,262
Consumer	80,296	76,380
Residential	59,103	52,462
Total loans	431,598	399,363
Less allowance for loan losses	4,748	4,790
Net loans	$ 426,850	$ 394,573

Loans, Allowance For Loan Los39

Loans, Allowance For Loan Losses and OREO (Loans On Non-Accrual Status) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	$ 1,593	$ 3,506
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	485	1,965
Commercial Mortgages-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	164	212
Commercial Mortgages-Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	141	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	$ 151	$ 20
Residential Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	198	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	9 Months Ended		12 Months Ended
	Sep. 30, 2015	Sep. 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	1,425		$ 473
Capitalized costs	25
Writedowns	(75)		$ (167)
Sales proceeds	(66)		(780)
(Loss) on disposition		$ 1	(21)
Balance at the end of the period (net)	$ 2,265		$ 956

Loans, Allowance For Loan Los41

Loans, Allowance For Loan Losses and OREO (Impaired Loans) (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
Financing Receivable, Impaired [Line Items]
Totals: Recorded Investment	$ 9,365	$ 10,677
Totals: Unpaid Principal Balance	10,468	12,619
Related Allowance	1,193	1,058
Totals: Average Recorded Investment	10,024	10,834
Totals: Interest Income Recognized	388	480
Commercial [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment		2,017
With No Related Allowance Recorded: Unpaid Principal Balance		2,280
With No Related Allowance Recorded: Average Recorded Investment	1,009	2,641
With No Related Allowance Recorded: Interest Income Recognized		63
With An Allowance Recorded: Recorded Investment	950	1,406
With An Allowance Recorded: Unpaid Principal Balance	1,013	1,861
With An Allowance Recorded: Average Recorded Investment	1,178	990
With An Allowance Recorded: Interest Income Recognized	21	29
Totals: Recorded Investment	950	3,423
Totals: Unpaid Principal Balance	1,013	4,141
Related Allowance	500	713
Totals: Average Recorded Investment	2,187	3,631
Totals: Interest Income Recognized	21	92
Commercial Mortgages-Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	3,250	2,835
With No Related Allowance Recorded: Unpaid Principal Balance	3,250	2,835
With No Related Allowance Recorded: Average Recorded Investment	3,043	1,687
With No Related Allowance Recorded: Interest Income Recognized	138	152
With An Allowance Recorded: Recorded Investment	1,143	852
With An Allowance Recorded: Unpaid Principal Balance	1,146	1,029
With An Allowance Recorded: Average Recorded Investment	998	1,636
With An Allowance Recorded: Interest Income Recognized	41	36
Totals: Recorded Investment	4,393	3,687
Totals: Unpaid Principal Balance	4,396	3,864
Related Allowance	179	63
Totals: Average Recorded Investment	4,041	3,323
Totals: Interest Income Recognized	179	188
Commercial Mortgages-Non-Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	179	1,078
With No Related Allowance Recorded: Unpaid Principal Balance	179	1,128
With No Related Allowance Recorded: Average Recorded Investment	629	1,041
With No Related Allowance Recorded: Interest Income Recognized	9	75
With An Allowance Recorded: Recorded Investment	867	126
With An Allowance Recorded: Unpaid Principal Balance	917	126
With An Allowance Recorded: Average Recorded Investment	497	173
With An Allowance Recorded: Interest Income Recognized	44	7
Totals: Recorded Investment	1,046	1,204
Totals: Unpaid Principal Balance	1,096	1,254
Related Allowance	178	32
Totals: Average Recorded Investment	1,126	1,214
Totals: Interest Income Recognized	53	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	506	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	688
With An Allowance Recorded: Average Recorded Investment	170
Totals: Recorded Investment	367	460
Totals: Unpaid Principal Balance	1,194	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	$ 115	$ 21
With No Related Allowance Recorded: Unpaid Principal Balance	115	21
With No Related Allowance Recorded: Average Recorded Investment	68	21
With No Related Allowance Recorded: Interest Income Recognized	3	1
With An Allowance Recorded: Recorded Investment	191	119
With An Allowance Recorded: Unpaid Principal Balance	191	119
With An Allowance Recorded: Average Recorded Investment	155	80
With An Allowance Recorded: Interest Income Recognized	10	7
Totals: Recorded Investment	306	140
Totals: Unpaid Principal Balance	306	140
Related Allowance	155	119
Totals: Average Recorded Investment	223	101
Totals: Interest Income Recognized	13	8
Residential Mortgages [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	1,502	934
With No Related Allowance Recorded: Unpaid Principal Balance	1,518	1,058
With No Related Allowance Recorded: Average Recorded Investment	1,218	702
With No Related Allowance Recorded: Interest Income Recognized	84	58
With An Allowance Recorded: Recorded Investment	801	829
With An Allowance Recorded: Unpaid Principal Balance	945	968
With An Allowance Recorded: Average Recorded Investment	815	1,257
With An Allowance Recorded: Interest Income Recognized	38	52
Totals: Recorded Investment	2,303	1,763
Totals: Unpaid Principal Balance	2,463	2,026
Related Allowance	103	131
Totals: Average Recorded Investment	2,033	1,959
Totals: Interest Income Recognized	$ 122	$ 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	9 Months Ended		12 Months Ended
	Sep. 30, 2015	Sep. 30, 2015	Sep. 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		(489)		(551)
Allowance for Credit Losses: Recoveries		170		100
Allowance for credit losses: Provision	$ 120	277	55	55
Allowance for Credit Losses: Ending Balance	4,748	4,748		4,790
Allowance for Credit Losses: Ending Balance: Individually evaluated for impairment	1,193	1,193		1,058
Allowance for Credit Losses: Ending Balance: Collectively evaluated for impairment	3,555	3,555		3,732
Allowance for Credit Losses: Totals	4,748	4,748		4,790
Financing Receivables: Ending Balance: Individually evaluated for impairment	9,365	9,365		10,677
Financing Receivables: Ending Balance: Collectively evaluated for impairment	422,233	422,233		388,686
Total loans	431,598	431,598		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		13		51
Allowance for credit losses: Provision		86		334
Allowance for Credit Losses: Ending Balance	1,078	1,078		1,235
Allowance for Credit Losses: Ending Balance: Individually evaluated for impairment	500	500		713
Allowance for Credit Losses: Ending Balance: Collectively evaluated for impairment	578	578		522
Allowance for Credit Losses: Totals	1,078	1,078		1,235
Financing Receivables: Ending Balance: Individually evaluated for impairment	950	950		3,423
Financing Receivables: Ending Balance: Collectively evaluated for impairment	72,422	72,422		59,836
Total loans	73,372	73,372		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		(64)		(187)
Allowance for Credit Losses: Recoveries		73		10
Allowance for credit losses: Provision		2		(260)
Allowance for Credit Losses: Ending Balance	2,205	2,205		2,194
Allowance for Credit Losses: Ending Balance: Individually evaluated for impairment	435	435		95
Allowance for Credit Losses: Ending Balance: Collectively evaluated for impairment	1,770	1,770		2,099
Allowance for Credit Losses: Totals	2,205	2,205		2,194
Financing Receivables: Ending Balance: Individually evaluated for impairment	5,806	5,806		5,351
Financing Receivables: Ending Balance: Collectively evaluated for impairment	213,021	213,021		201,911
Total loans	218,827	218,827		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		(169)		(79)
Allowance for Credit Losses: Recoveries		48		39
Allowance for credit losses: Provision		17		(83)
Allowance for Credit Losses: Ending Balance	708	708		812
Allowance for Credit Losses: Ending Balance: Individually evaluated for impairment	155	155		119
Allowance for Credit Losses: Ending Balance: Collectively evaluated for impairment	553	553		693
Allowance for Credit Losses: Totals	708	708		812
Financing Receivables: Ending Balance: Individually evaluated for impairment	306	306		140
Financing Receivables: Ending Balance: Collectively evaluated for impairment	79,990	79,990		76,240
Total loans	80,296	80,296		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: Recoveries		36
Allowance for credit losses: Provision		172		64
Allowance for Credit Losses: Ending Balance	757	757		549
Allowance for Credit Losses: Ending Balance: Individually evaluated for impairment	103	103		131
Allowance for Credit Losses: Ending Balance: Collectively evaluated for impairment	654	654		418
Allowance for Credit Losses: Totals	757	757		549
Financing Receivables: Ending Balance: Individually evaluated for impairment	2,303	2,303		1,763
Financing Receivables: Ending Balance: Collectively evaluated for impairment	56,800	56,800		50,699
Total loans	$ 59,103	$ 59,103		$ 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	Sep. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due	$ 1,572	$ 980
60 - 89 Days Past Due	1,106	128
Greater than 90 Days	1,365	3,232
Total Past Due	4,043	4,340
Current	427,555	395,023
Total loans	$ 431,598	$ 399,363
Recorded Investment > 90 Days & Accruing
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due	$ 38	$ 21
60 - 89 Days Past Due	222	80
Greater than 90 Days	485	1,965
Total Past Due	745	2,066
Current	72,627	61,193
Total loans	$ 73,372	$ 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	$ 702	$ 192
60 - 89 Days Past Due	639
Greater than 90 Days	164	212
Total Past Due	1,505	404
Current	76,789	77,304
Total loans	$ 78,294	$ 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		$ 86
Greater than 90 Days	$ 64	70
Total Past Due	64	156
Current	124,838	119,019
Total loans	$ 124,902	$ 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	15,264	9,919
Total loans	$ 15,631	$ 10,379
Recorded Investment > 90 Days & Accruing
Consumer Unsecured [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due	$ 32	$ 11
Total Past Due	32	11
Current	5,714	5,749
Total loans	$ 5,746	$ 5,760
Recorded Investment > 90 Days & Accruing
Consumer Secured [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due	$ 141	$ 15
Total Past Due	141	15
Current	74,409	70,605
Total loans	$ 74,550	$ 70,620
Recorded Investment > 90 Days & Accruing
Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due	$ 488	$ 626
60 - 89 Days Past Due	245	48
Greater than 90 Days	198	525
Total Past Due	931	1,199
Current	48,867	43,745
Total loans	$ 49,798	$ 44,944
Recorded Investment > 90 Days & Accruing
Residential Consumer Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due	$ 171	$ 29
Greater than 90 Days	87
Total Past Due	258	29
Current	9,047	7,489
Total loans	$ 9,305	$ 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	Sep. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	$ 431,598	$ 399,363
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	410,469	376,517
Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	3,705	5,841
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	7,517	5,667
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	9,907	$ 11,338
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	73,372	$ 63,259
Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	70,827	58,745
Commercial [Member] | Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	302	725
Commercial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	1,277	224
Commercial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	966	$ 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	78,294	$ 77,708
Commercial Mortgages-Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	70,084	71,087
Commercial Mortgages-Owner Occupied [Member] | Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	1,366	1,718
Commercial Mortgages-Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	2,367	1,216
Commercial Mortgages-Owner Occupied [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	4,477	$ 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	124,902	$ 119,175
Commercial Mortgages-Non-Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	118,371	112,560
Commercial Mortgages-Non-Owner Occupied [Member] | Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	1,759	1,586
Commercial Mortgages-Non-Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	3,823	3,971
Commercial Mortgages-Non-Owner Occupied [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	949	$ 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	15,631	$ 10,379
Commercial Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	15,264	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	5,746	$ 5,760
Consumer Unsecured [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	5,746	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	74,550	$ 70,620
Consumer Secured [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	73,656	69,527
Consumer Secured [Member] | Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	278	554
Consumer Secured [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	50	136
Consumer Secured [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	566	$ 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	49,798	$ 44,944
Residential Mortgages [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	47,303	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		120
Residential Mortgages [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	2,495	$ 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	9,305	$ 7,518
Residential Consumer Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	9,218	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) $ in Thousands	9 Months Ended
	Sep. 30, 2015USD ($)contract
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	1
Pre-Modification Oustanding Recorded Investment | $	$ 19
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	2
Pre-Modification Oustanding Recorded Investment | $	$ 452