Embassy Bancorp (EMYB) 10-K 30 Mar 16 2015 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2015	Mar. 25, 2016	Jun. 30, 2015
Document And Entity Information [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	FY
Entity Registrant Name	Embassy Bancorp, Inc.
Entity Central Index Key	1,449,794
Current Fiscal Year End Date	--12-31
Entity Filer Category	Smaller Reporting Company
Entity Common Stock, Shares Outstanding		7,413,481
Entity Current Reporting Status	Yes
Entity Public Float			$ 54,122,560
Entity Voluntary Filers	No
Entity Well-known Seasoned Issuer	No

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
ASSETS
Cash and due from banks	$ 16,433	$ 14,779
Interest bearing demand deposits with banks	2,093	611
Federal funds sold	1,000	1,000
Cash and Cash Equivalents	19,526	16,390
Interest bearing time deposits		250
Securities available for sale	77,253	77,197
Restricted investment in bank stock	2,178	784
Loans receivable, net of allowance for loan losses of $6,068 in 2015; $5,614 in 2014	684,047	604,967
Premises and equipment, net of accumulated depreciation	2,258	1,515
Bank owned life insurance	12,343	11,938
Accrued interest receivable	1,637	1,599
Other real estate owned	1,224	1,106
Other assets	3,572	3,348
Total Assets	804,038	719,094
Liabilities:
Deposits: Non-interest bearing	89,959	68,467
Deposits: Interest bearing	570,307	543,201
Total deposits	660,266	611,668
Securities sold under agreements to repurchase	27,535	30,304
Short-term borrowings	39,306	9,000
Long-term borrowings	3,820	1,900
Accrued interest payable	462	349
Other liabilities	4,548	4,541
Total Liabilities	735,937	657,762
Stockholders' Equity:
Common stock, $1 par value; authorized 20,000,000 shares; 2015 issued 7,407,547 shares; outstanding 7,407,547 shares; 2014 issued 7,357,752 shares; outstanding 7,357,752 shares	7,408	7,358
Surplus	24,299	24,024
Retained earnings	35,158	28,485
Accumulated other comprehensive income	1,236	1,465
Stockholders' Equity Attributable to Parent, Total	68,101	61,332
Total Liabilities and Stockholders' Equity	$ 804,038	$ 719,094

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Consolidated Balance Sheets [Abstract]
Loans and Leases Receivable, Allowance	$ 6,068	$ 5,614
Common Stock, Par or Stated Value Per Share	$ 1	$ 1
Common Stock, Shares Authorized	20,000,000	20,000,000
Common Stock, Shares, Issued	7,407,547	7,357,752
Common Stock, Shares, Outstanding	7,407,547	7,357,752

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
INTEREST INCOME
Loans receivable, including fees	$ 26,138	$ 23,938
Securities, taxable	795	753
Securities, non-taxable	1,193	1,269
Federal funds sold, and other	126	79
Interest on time deposits	1	11
Total Interest Income	28,253	26,050
INTEREST EXPENSE
Deposits	2,878	2,706
Securities sold under agreements to repurchase	17	17
Short-term borrowings	135	18
Long-term borrowings	105	258
Total Interest Expense	3,135	2,999
Net Interest Income	25,118	23,051
Provision For Loan Losses	532	250
Net Interest Income after Provision for Loan Losses	24,586	22,801
OTHER INCOME
Credit card processing fees	1,670	1,421
Other service fees	673	662
Bank owned life insurance	405	308
Gain on sale of securities	165	33
Gain (loss) on sale of other real estate owned	(12)	10
Impairment on other real estate owned	(104)	(9)
Total Other Income	2,797	2,425
OTHER EXPENSES
Salaries and employee benefits	7,013	7,134
Occupancy and equipment	2,456	2,460
Data processing	1,541	1,319
Credit card processing	1,596	1,294
Advertising and promotion	1,333	1,101
Professional fees	503	509
FDIC insurance	374	397
Insurance	54	54
Loan & real estate	250	270
Charitable contributions	636	585
Other real estate owned expenses	100	213
Other	1,170	1,006
Total Other Expenses	17,026	16,342
Income before Income Taxes	10,357	8,884
INCOME TAX EXPENSE	2,948	2,479
Net Income	$ 7,409	$ 6,405
BASIC EARNING PER SHARE	$ 1.01	$ 0.87
DILUTED EARNINGS PER SHARE	1	0.87
DIVIDENDS PER SHARE	$ 0.10	$ 0.06

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Consolidated Statements Of Comprehensive Income [Abstract]
Net Income		$ 7,409	$ 6,405
Change in Accumulated Other Comprehensive Income:
Unrealized holding (loss) gain on securities available for sale		(182)	1,434
Less: reclassification adjustment for realized gains	[1],[2]	(165)	(33)
Total other comprehensive income, before tax		(347)	1,401
Income tax effect		118	(476)
Net unrealized (loss) gain		(229)	925
Other comprehensive (loss) gain, net of tax		(229)	925
Comprehensive Income		$ 7,180	$ 7,330
[1]	Realized gains on securities transactions included in gain on sales of securities, net, in the accompanying Consolidated Statements of Income.
[2]	Tax effect included in income tax expense in the accompanying Consolidated Statements of Income.

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Surplus [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income [Member]	Total
BALANCE-Beginning at Dec. 31, 2013	$ 7,324	$ 23,671	$ 22,520	$ 540	$ 54,055
Net income			6,405		6,405
Other comprehensive income				925	925
Dividend declared			(440)		(440)
Exercise of stock options	34	305			339
Tax benefit of stock options exercised		1			1
Stock tendered for funding exercise of stock options	(25)	(232)			(257)
Compensation expense recognized on stock options		98			98
Common stock grants to directors and officers	10	66			76
Shares issued under Dividend Reinvestment and Stock Purchase Plan	15	115			130
BALANCE-Ending at Dec. 31, 2014	7,358	24,024	28,485	1,465	61,332
Net income			7,409		7,409
Other comprehensive income				(229)	(229)
Dividend declared			(736)		(736)
Compensation expense recognized on stock options		49			49
Common stock grants to directors and officers	33	63			96
Shares issued under Dividend Reinvestment and Stock Purchase Plan	17	163			180
BALANCE-Ending at Dec. 31, 2015	$ 7,408	$ 24,299	$ 35,158	$ 1,236	$ 68,101

Consolidated Statements of Sto7

Consolidated Statements of Stockholders' Equity (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Consolidated Statements Of Stockholders' Equity [Abstract]
Dividends declared per share	$ 0.10	$ 0.06
Number of shares exercised		33,874
Stock tendered, shares		24,592
Common stock grants to directors, shares	32,875	10,209
Unearned compensation expense	$ 260
Stock issued under Dividend Reinvestment and Stock Repurchase Plan	16,920	14,706

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 7,409	$ 6,405
Adjustments to reconcile net income to net cash provided by operating activities:
Provision For Loan Losses	532	250
Amortization of deferred loan costs	50	12
Depreciation and amortization	605	643
Net amortization of investment security premiums and discounts	222	161
Stock compensation expense	49	98
(Gain) loss on sale of other real estate owned	(12)	4
Impairment on other real estate owned	104	9
Income on bank owned life insurance	(405)	(308)
Deferred income taxes	(33)	(460)
Net realized gain on sale of securities available for sale	(165)	(33)
Increase in accrued interest receivable	(38)	(66)
Increase in other assets	(73)	(588)
Increase in accrued interest payable	113	114
Increase in other liabilities	151	1,438
Net Cash Provided by Operating Activities	8,509	7,679
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of securities available for sale	(18,956)	(14,801)
Maturities, calls and principal repayments of securities available for sale	7,754	9,637
Proceeds from sales of securities available for sale	10,742	528
Net increase in loans	(80,016)	(42,489)
Net (purchases) redemption of restricted investment in bank stock	(1,394)	1,373
Net maturities of interest bearing time deposits	250	1,572
Purchase of bank owned life insurance		(4,000)
Proceeds from sale of other real estate owned	96	46
Purchases of premises and equipment	(1,348)	(276)
Net Cash Used in Investing Activities	(82,872)	(48,410)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	48,598	42,631
Net decrease in securities sold under agreements to repurchase	(2,769)	(114)
Increase (decrease) in short-term borrowed funds	30,306	(1,000)
Proceeds from long-term borrowed funds	6,000
Payments of long-term borrowed funds	(4,080)	(2,000)
Exercise of stock options, net payment for stock tendered		82
Proceeds from Dividend Reinvestment Plan	180	130
Tax benefit of stock options exercised		1
Dividends paid	(736)	(440)
Net Cash Provided by Financing Activities	77,499	39,290
Net Increase (Decrease) in Cash and Cash Equivalents	3,136	(1,441)
CASH AND CASH EQUIVALENTS - BEGINNING	16,390	17,831
CASH AND CASH EQUIVALENTS - ENDING	19,526	16,390
SUPPLEMENTARY CASH FLOWS INFORMATION
Interest paid	3,022	2,885
Income taxes paid	3,262	2,880
Other real estate sold through bank financing	287	57
Deferral of gain from sale of other real estate sold through bank financing	48	11
Other real estate acquired in settlement of loans	$ 641	$ 574

Summary Of Significant Accounti

Summary Of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2015
Summary Of Significant Accounting Policies [Abstract]
Summary Of Significant Accounting Policies	Not e 1 – Summary of Significant Accounting Policies Principles of Consolidation and Nature of Operations Embassy Bancorp, Inc. (the “Company”) is a Pennsylvania corporation organized in 2008 and registered as a bank holding company pursuant to the Bank Holding Company Act of 1956, as amended (the “BHC Act”). The Company was formed for purposes of acquiring Embassy Bank For The Lehigh Valley (the “Bank”) in connection with the reorganization of the Bank into a bank holding company structure, which was consummated on November 11, 2008 . Accordingly, the Company owns all of the capital stock of the Bank, giving the organization more flexibility in meeting its capital needs as the Company continues to grow. The Bank, which is the Company’s principal operating subsidiary, was originally incorporated as a Pennsylvania bank on May 11, 2001 and opened its doors on November 6, 2001. It was formed by a group of local business persons and professionals with significant prior experience in community banking in the Lehigh Valley area of Pennsylvania, the Bank’s primary market area. Estimates The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the valuation of other real estate owned, and the valuation of deferred tax assets. Concentrations of Credit Risk Most of the Company’s activities are with customers located in the Lehigh Valley area of Pennsylvania. Note 2 discuss es the types of securities in which the Company invests. The concentrations of credit by type of loan are set forth in Note 3. The Company does not have any significant concentrations to any one specific industry or customer, with the exception of lending activity to a broad range of lessors of residential and non-residential real estate within the Lehigh Valley. Although the Company has a diversified loan portfolio, its debtors’ ability to honor their contracts is influenced by the region’s economy. Presentation of Cash Flows For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, interest-bearing demand deposits with bank, and federal funds sold. Generally, federal funds are purchased or sold for less than one week periods. S ecurities Securities classified as available for sale are those securities that the Company intends to hold for an indefinite period of time, but not necessarily to maturity. Securities available for sale are carried at fair value. Any decision to sell a security classified as available for sale would be based on various factors, including significant movement in interest rates, changes in maturity mix of the Company’s assets and liabilities, liquidity needs, regulatory capital considerations and other similar factors. Unrealized gains and losses are reported as increases or decreases in other comprehensive income. Realized gains or losses, determined on the basis of the cost of the specific securities sold, are included in earnings. Premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Other than temporary accounting guidance specifies that (a) if a company does not have the intent to sell a debt security prior to recovery and (b) it is more likely than not that it will not have to sell the debt security prior to recovery, the security would not be considered other-than-temporarily impaired unless there is a credit loss. When an entity does not intend to sell the security, and it is more likely than not the entity will not have to sell the security before recovery of its cost basis, it will recognize the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income. The Company recognized no other-than-temporary impairment charges during the years ended December 31, 2015 and 2014 . Restricted Investments in Bank Stock Restricted investments in bank stock consist of FHLBank Pittsburgh (“F HLB”) stock and Atlantic Community Bankers Bank (“ACBB”) stock. The restricted stocks have no quoted market value and are carried at cost. Federal law requires a member institution of the FHLB to hold stock of its district FHLB according to a predetermined formula. During 2014 the FHLB conducted limited excess capital stock repurchases based upon positive quarterly net income. In October 2014, the FHLB amended its Capital Plan and created two subclasses of stock, one required as a member (“membership stock”) and additional stock in the FHLB in relation to the level of outstanding borrowings (“activity-based stock”). Under this new plan the costs of membership decreased. As a result of this decrease , the FHLB began repurchasing excess stock on a regular monthly repurchase date and pay dividends, if conditions warrant, on a quarterly basis. Dividend payments of $ 113 thousand and $57 thousand were recei ved during the years ended December 31, 2015 and 2014 , respectively. Management evaluates the FHLB and ACBB restricted stock for impairment. Management’s determination of whether these investments are impaired is based on their assessment of the ultimate recoverability of their cost rather than by recognizing temporary declines in value. The determination of whether a decline affects the ultimate recoverability of their cost is influenced by criteria such as (1) the significance of the decline in net assets of the issuer as compared to the capital stock amount for the issuer and the length of time this situation has persisted, (2) commitments by the issuer to make payments required by law or regulation and the level of such payments in relation to the operating performance of the issuer, and (3) the impact of legislative and regulatory changes on institutions and, accordingly, on the customer base of the issuer. Management believes no impairment charge is necessary related to the FHLB or ACBB restricted stock as of December 31, 2015 . Loans Receivable Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at their outstanding unpaid principal balances, net of any deferred fees or costs. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the yield using the effective interest method. Premiums and discounts on purchased loans are amortized as adjustments to interest income using the effective interest method. Delinquency fees are recognized in income when chargeable, assuming collectability is reasonably assured. The loans receivable portfolio is segmented into commercial and consumer loans. Commercial loans consist of the following classes: commercial real estate, commercial construction and commercial. Consumer loans consist of the following classes: residential real estate and other consumer loans. The Company makes commercial loans for real estate development and other business purposes required by the customer base. The Company’s credit policies determine advance rates against the different forms of collateral that can be pledged against commercial loans. Typically, the majority of loans will be limited to a percentage of their underlying collateral values such as real estate values, equipment, eligible accounts receivable and inventory. Individual loan advance rates may be higher or lower depending upon the financial strength of the borrower and/or term of the loan. The assets financed through commercial loans are used within the business for its ongoing operation. Repayment of these kinds of loans generally comes from the cash flow of the business or the ongoing conversion of assets. Commercial real estate loans include long-term loans financing commercial properties. Repayments of these loans are dependent upon either the ongoing cash flow of the borrowing entity or the resale of or lease of the subject property. Commercial real estate loans typically require a loan to value ratio of not greater than 80% and vary in terms. Residential mortgages and home equity loans are secured by the borrower’s residential real estate in either a first or second lien position. Residential mortgages and home equity loans have varying interest rates (fixed or variable) depending on the financial condition of the borrower and the loan to value ratio. Residential mortgages may have amortizations up to 30 years and home equity loans may have maturities up to 25 years. Other consumer loans include installment loans, car loans, and overdraft lines of credit. Some of these loans may be unsecured. For all classes of loans receivable, the accrual of interest may be discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan is currently performing. A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured. When a loan is placed on nonaccrual status, unpaid interest credited to income in the current year is reversed. Interest received on nonaccrual loans, including impaired loans, generally is applied against principal. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time (generally six months) and the ultimate collectability of the total contractual principal and interest is no longer in doubt. The past due status of all classes of loans receivable is determined based on contractual due dates for loan payments. Allowance for Loan Losses The allowance for loan losses represents management’s estimate of losses inherent in the loan portfolio as of the balance sheet date and is recorded as a reduction to loans. The reserve for unfunded loan commitments represents management’s estimate of losses inherent in its unfunded loan commitments and is recorded in other liabilities on the consolidated balance sheet. The allowance for loan losses is increased by the provision for loan losses, and decreased by charge-offs, net of recoveries. Loans, or portions of loans, determined to be confirmed losses are charged against the allowance account and subsequent recoveries, if any, are credited to the account. A loss is considered confirmed when information available at the balance sheet date indicates the loan, or a portion thereof, is uncollectible. Management performs a quarterly evaluation of the adequacy of the allowance. The allowance is based on the Company’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, composition of the loan portfolio, current economic conditions and other relevant factors. This evaluation is inherently subjective as it requires material estimates that may be susceptible to significant revision as more information becomes available. Management maintains the allowance for loan losses at a level it believes adequate to absorb probable credit losses related to specifically identified loans, as well as probable incurred losses inherent in the remainder of the loan portfolio as of the balance sheet dates. The allowance for loan losses account consists of specific and general reserves. The specific component consists of the specific reserve for impaired loans individually evaluated under Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 310, “Receivables,” and the general component is utilized for loss contingencies on those loans collectively evaluated under FASB ASC 450, “Contingencies.” For the specific portion of the allowance for loan losses, a loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. All amounts due according to the contractual terms means that both the contractual interest and principal payments of a loan will be collected as scheduled in the loan agreement. Factors considered by management in determining impairment include payment status, ability to pay and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Loans considered impaired under FASB ASC 310 are measured for impairment based on the present value of expected future cash flows discounted at the loan’s effective interest rate or the fair value of the collateral if the loan is collateral dependent. If the present value of expected future cash flows discounted at the loan’s effective interest rate or the fair value of the collateral, if the loan is collateral dependent, is less than the recorded investment in the loan, including accrued interest and net deferred loan fees or costs, the Company will recognize the impairment by adjusting the allowance for loan losses account through charges to earnings as a provision for loan losses. For loans secured by real estate, estimated fair values are determined primarily through third-party appraisals. When a real estate secured loan becomes impaired, a decision is made regarding whether an updated certified appraisal of the real estate is necessary. This decision is based on various considerations, including the age of the most recent appraisal, loan-to-value ratio based on the original appraisal and the condition of the property. Appraised values are discounted to arrive at the estimated selling price of the collateral, which is considered to be the estimated fair value. The discounts also include estimated costs to sell the property. For commercial and industrial loans secured by non-real estate collateral, such as accounts receivable, inventory and equipment, estimated fair values are determined based on the borrower’s financial statements, inventory reports, accounts receivable aging or equipment appraisals or invoices. Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets. The general portion of the allowance for loan losses covers pools of loans by major loan class including commercial loans not considered impaired, as well as smaller balance homogeneous loans, such as residential real estate and other consumer loans. Loss contingencies for each of the major loan pools are determined by applying a total loss factor to the current balance outstanding for each individual pool. The total loss factor is comprised of a historical loss factor using the loss migration method plus a qualitative factor, which adjusts the historical loss factor for changes in trends, conditions and other relevant factors that may affect repayment of the loans in these pools as of the evaluation date. Loss migration involves determining the percentage of each pool that is expected to ultimately result in loss based on historical loss experience. Historical loss factors are based on the ratio of net loans charged-off to loans, net, for each of the major groups of loans evaluated and measured for impairment under FASB ASC 450. The historical loss factor for each pool is an average of the Company’s historical net charge-off ratio for the most recent rolling twenty quarters. In addition to these historical loss factors, management also uses a qualitative factor that represents a number of environmental risks that may cause estimated credit losses associated with the current portfolio to differ from historical loss experience. These environmental risks include: (i) changes in lending policies and procedures including underwriting standards and collection, charge-off and recovery practices; (ii) changes in the composition and volume of the portfolio; (iii) changes in national, local and industry conditions, including the effects of such changes on the value of underlying collateral for collateral-dependent loans; (iv) changes in the volume and severity of classified loans, including past due, nonaccrual, troubled debt restructures and other loan modifications; (v) changes in the levels of, and trends in, charge-offs and recoveries; (vi) the existence and effect of any concentrations of credit and changes in the level of such concentrations; (vii) changes in the experience, ability and depth of lending management and other relevant staff; (viii) changes in the quality of the loan review system and the degree of oversight by the board of directors; and (ix) the effect of external factors such as competition and regulatory requirements on the level of estimated credit losses in the current loan portfolio. Each environmental risk factor is assigned a value to reflect improving, stable or declining conditions based on management’s best judgment using relevant information available at the time of the evaluation. Adjustments to the factors are supported through documentation of changes in conditions in a narrative accompanying the allowance for loan loss calculation. The unallocated component of the general allowance is used to cover inherent losses that exist as of the evaluation date, but which have not been identified as part of the allocated allowance using the above impairment evaluation methodology due to limitations in the process. One such limitation is the imprecision of accurately estimating the impact current economic conditions will have on historical loss rates. Variations in the magnitude of impact may cause estimated credit losses associated with the current portfolio to differ from historical loss experience, resulting in an allowance that is higher or lower than the anticipated level. The allowance calculation methodology includes further segregation of loan classes into risk rating categories. The borrower’s overall financial condition, repayment sources, guarantors and value of collateral, if appropriate, are evaluated annually for commercial loans or when credit deficiencies arise, such as delinquent loan payment, for commercial and consumer loans. Credit quality risk ratings include regulatory classifications of special mention, substandard, doubtful and loss. Loans criticized as special mention have potential weaknesses that deserve management’s close attention. If uncorrected, the potential weakness may result in deterioration of the repayment prospects. Loans classified substandard have a well-defined weakness and borrowers are highly leveraged. They include loans that are inadequately protected by the current sound net worth and the paying capacity of the obligor or of the collateral pledged, if any. Loans classified doubtful have all the weaknesses inherent in loans classified substandard with the added characteristic that collection or liquidation in full, on the basis of current conditions and facts, is highly improbable. Loans classified as a loss are considered uncollectible and are charged to the allowance for loan losses. Loans not classified are rated pass. Federal regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses and may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination, which may not be currently available to management. Based on management’s comprehensive analysis of the loan portfolio, management believes the current level of the allowance for loan losses is adequate. Other Real Estate Owned Other real estate owned is comprised of properties acquired through foreclosure proceedings or acceptance of a deed-in-lieu of foreclosure and loans classified as in-substance foreclosures. A loan is classified as an in-substance foreclosure when the Company has taken possession of the collateral, regardless of whether formal foreclosure proceedings take place. Other real estate owned is recorded at fair value less cost to sell at the time of acquisition. Any excess of the loan balance over the recorded value is charged to the allowance for loan losses at the time of acquisition . After foreclosure, valuations are periodically performed and the assets are carried at the lower of cost or fair value less cost to sell. Changes in the valuation allowance on foreclosed assets are included in other income. Costs to maintain the assets are included in other expenses. Any gain or loss realized upon disposal of other real estate owned is included in other income. Bank Owned Life Insurance The Company invests in bank owned life insurance (“BOLI”) as a tax deferred investment and a source of funding for employee benefit expenses. BOLI involves the purchasing of life insurance by the Company on certain of its employees and directors. The Company is the owner and beneficiary of the policies. This life insurance investment is carried at the cash surrender value of the underlying policies. Income from increases in cash surrender value of the policies is included in non-interest income and is not subject to income taxes unless surrendered . The Company does not intend to surrender these policies, and accordingly, no deferred taxes have been recorded on the earnings from these policies. Premises and Equipment Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed on the straight-line method over the following estimated useful lives of the related assets: furniture, fixtures and equipment for five to ten years, leasehold improvements for ten to fifteen years, computer equipment and data processing software for three to f ive years, and automobiles for five years. Transfers of Financial Assets Transfers of financial assets, including sales of loan participations, are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. Advertising Costs The Company follows the policy of charging the costs of advertising to expense as incurred. Income Taxes Income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to taxable income. Deferred income taxes are provided on the liability method whereby deferred tax assets are recognized for deductible temporary differences and deferred tax liabilities are recognized for taxable temporary differences. Temporary differences are the differences between the reported amounts of assets and liabilities and net operating loss carry forwards and their tax basis. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion of the deferred tax assets will not be realized. Deferred tax assets and liabilities are adjusted for the effects of changes in tax laws and rates on the date of enactment. Earnings Per Share Basic earnings per share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during the period, as adjusted for stock dividends and splits. Diluted earnings per share reflect additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustments to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate solely to outstanding stock options and are determined using the treasury stock method. 2015 2014 (Dollars In Thousands, Except Per Share Data) Net income $ 7,409 $ 6,405 Weighted average shares outstanding 7,371 7,337 Dilutive effect of potential common shares, stock options 34 27 Diluted weighted average common shares outstanding 7,405 7,364 Basic earnings per share $ 1.01 $ 0.87 Diluted earnings per share $ 1.00 $ 0.87 There were no stock options not considered in computing diluted earnings per common share for the years ended December 31, 2015 and 2014. Employee Benefit Plan The Company has a 401(k) Plan (the “Plan”) for employees. All employees are eligible to participate after they have attained the age of 21 and have also completed 12 consecutive months of service during which at least 1,000 hours of service are completed. The employees may contribute up to the maximum percentage allowable by law of their compensation to the Plan, and the Company provides a match of fifty percent of the first 8% percent to eligible participating employees. Full vesting in the Plan is prorated equally over a four -year period. The Company’s contributions to the Plan for the years ended December 31, 2015 and 2014 were $ 1 39 thousand and $ 125 thousand , respectively. Off-Balance Sheet Financial Instruments In the ordinary course of business, the Company has entered into off-balance sheet financial instruments consisting of commitments to extend credit and letters of credit. Such financial instruments are recorded in the balance sheet when they are funded. Comprehensive Income Accounting principles generally accepted in the United States of America require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities, are reported as a separate component of the equity section of the balance sheet, such items, along with net income, are components of comprehensiv e income. In accordance with Financial Accounting Standards Board (FASB) guidance, the Company has disclosed the components of comprehensive income in the accompanying consolidated statements of comprehensive income. Segment Reporting The Company acts as an independent, community, financial services provider, and offers traditional banking and related financial services to individual, business and government customers. The Company offers a full array of commercial and retail financial services, including the taking of time, savings and demand deposits; the making of commercial, consumer and home equity loans; and the provision of other financial services. Management does not separately allocate expenses, including the cost of funding loan demand, between the commercial and retail operations of the Company. As such, discrete financial information is not available and segment reporting would not be meaningful. Stock-Based Compensation The Company applies the fair value recognition provisions of FASB Accounting Standards Codification ( ASC ) 718, Compensation-Stock Compensation. ASC 718 requires compensation costs related to share-based payment transactions to be recognized in the financial statements over the period that an employee provides service in exchange for the award based on the fair value of the award. The Black-Scholes model is used to estimate the fair value of stock options. Subsequent Events The Company follows ASC Topic 855 Subsequent Events. This topic establishes general standards for accounting for and disclosure of events that occur after the balance sheet date but before financial statements are issued. The Company has evaluated events and transactions occurring subsequent to the balance sheet date of December 31, 2015 through the date these consolidated financial statements were available for issuance for items that should potentially be recognized or disclosed in these consolidated financial statements. New Accounting Standards In January 2014, the FASB issued an accounting standard update (ASU 2014-04) related to; Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40) Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. The update applies to all creditors who obtain physical possession of residential real estate property collateralizing a consumer mortgage loan in satisfaction of a receivable. The amendments in this update clarify when an in-substance repossession or foreclosure occurs and requires disclosure of both (1) the amount of foreclosed residential real estate property held by a creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The amendments in the update are effectiv e for public business entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2014. At December 31, 2015 the Company had $221 thousand in foreclosed residential real estate held. At December 31, 2014 the C ompany had no foreclosed residential real estate held. At December 31, 2015 and December 31, 2014 the Company had $529 thousand and $375 thousand, respectively, in recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure. In May 2014, the FASB issued ASU 2014-09 Revenue from Contracts with Customers (Topic 606) . ASU 2014-09 affects any entity using U.S. GAAP that either enters into contracts with customers to transfer goods or services or enters into contracts for the transfer of nonfinancial assets unless those contracts are within the scope of other standards (e.g., insurance contracts or lease contracts). This ASU will supersede the revenue recognition requirements in Topic 605, Revenue Recognition, and most industry-specific guidance. This ASU also supersedes some cost guidance included in Subtopic 605-35, Revenue Recognition—Construction-Type and Production-Type Contracts. In addition, the existing requirements for the recognition of a gain or loss on the transfer of nonfinancial assets that are not in a contract with a customer (e.g., assets within the scope of Topic 360, Property, Plant, and Equipment, and intangible assets within the scope of Topic 350, Intangibles—Goodwill and Other) are amended to be consistent with the guidance on recognition and measurement (including the constraint on revenue) in this ASU. The core principle of the guidance is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. To achieve that core principle, an entity should apply the following steps: Step 1: Identify the contract(s) with a customer. Step 2: Identify the performance obligations in the contract. Step 3: Determine the transaction price. Step 4: Allocate the transaction price to the performance obligations in the contract. Step 5: Recognize revenue when (or as) the entity satisfies a performance obligation. For a public business entity, the amendments in this ASU are effective for annual reporting periods beginning after December 15, 201 7 , including interim periods within that reporting period. Early application is not permitted. The Company is currently analyzing the impact of the guidance on its financial statements. An entity should apply the amendments in this ASU using one of the following two methods: Retrospectively to each prior reporting period presented and the entity may elect any of the following practical expedients: · For completed contracts, an

Securities Available For Sale

Securities Available For Sale	12 Months Ended
	Dec. 31, 2015
Securities Available For Sale [Abstract]
Securities Available For Sale	Note 2 – Securities Available For Sale The amortized cost and approximate fair values of securities available-for-sale were as follows: Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) December 31, 2015 : U.S. Government agency obligations $ 34,676 $ 15 $ (121) $ 34,570 Municipal bonds 39,378 1,970 (144) 41,204 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential 1,327 152 - 1,479 Total $ 75,381 $ 2,137 $ (265) $ 77,253 December 31, 2014 : U.S. Government agency obligations $ 30,192 $ 46 $ (162) $ 30,076 Municipal bonds 36,618 2,023 (17) 38,624 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential 7,168 333 - 7,501 Corporate bonds 1,000 - (4) 996 Total $ 74,978 $ 2,402 $ (183) $ 77,197 The amortized cost and fair value of securities as of December 31, 2015 , by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to prepay obligations with or without any penalties. Amortized Fair Cost Value (In Thousands) Due in one year or less $ 5,077 $ 5,081 Due after one year through five years 34,361 34,330 Due after five years through ten years 19,152 19,940 Due after ten years 15,464 16,423 74,054 75,774 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential 1,327 1,479 $ 75,381 $ 77,253 Gross gains of $ 165 thousand and $ 33 thousand were realized on sales of securities for the year s ended December 31, 2015 and December 31, 2014 , respectively. There were no gross losses in 2015 or 2014 on the sale of securities. The following table shows the Company’s investments’ gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at December 31, 2015 and December 31, 2014 , respectively: Less Than 12 Months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses December 31, 2015 : (In Thousands) U.S. Government agency obligations $ 25,525 $ (121) $ - $ - $ 25,525 $ (121) Municipal bonds 6,180 (144) - - 6,180 (144) Total Temporarily Impaired Securities $ 31,705 $ (265) $ - $ - $ 31,705 $ (265) December 31, 2014 : U.S. Government agency obligations $ 11,074 $ (44) $ 9,959 $ (118) $ 21,033 $ (162) Municipal bonds 2,987 (17) - - 2,987 (17) Corporate Bonds 996 (4) - - 996 (4) Total Temporarily Impaired Securities $ 15,057 $ (65) $ 9,959 $ (118) $ 25,016 $ (183) The Company had thirty (30) securities in an unrealized loss position at December 31, 2015 . Unrealized losses are due only to market rate fluctuations. As of December 31, 2015 , the Company either has the intent and ability to hold the securities until maturity or market price recovery, or believes that it is more likely than not that it will not be required to sell such securities. Management believes that the unrealized loss only represents temporary impairment of the securities. None of the individual losses are significant . Securities with a carrying value of $64.9 million and $62.7 million at December 31, 2015 and December 31, 2014 , respectively, were subject to agreements to repurchase, pledged to secure public deposits, or pledged for other purposes required or permitted by law.

Loans Receivable

Loans Receivable	12 Months Ended
	Dec. 31, 2015
Loans Receivable [Abstract]
Loans Receivable And Credit Quality	Note 3 – Loans Receivable The following table presents the composition of loans receivable at December 31, 2015 and 2014 respectively: 2015 2014 (In Thousands) Commercial real estate $ 289,304 $ 249,454 Commercial construction 17,786 23,220 Commercial 34,955 34,182 Residential real estate 347,316 302,908 Consumer 745 972 Total Loans 690,106 610,736 Unearned net loan origination costs (fees) 9 (155) Allowance for Loan Losses (6,068) (5,614) $ 684,047 $ 604,967

Allowance For Loan Losses

Allowance For Loan Losses	12 Months Ended
	Dec. 31, 2015
Allowance For Loan Losses [Abstract]
Allowance For Loan Losses	Note 4 – Allowance for Loan Losses The changes in the allowance for loan losses for the years ended December 31, 2015 and 2014 are as follows: 2015 2014 Allowance for loan losses: (In Thousands) Balance, beginning $ 5,614 $ 5,326 Provision for loan losses 532 250 Loans charged off (88) (161) Recoveries 10 199 Balance at end of year $ 6,068 $ 5,614 The following table presents the classes of the loan portfolio summarized by the aggregate pass rating and the classified ratings of special mention (potential weaknesses), substandard (well defined weaknesses) and doubtful (full collection unlikely) within the Company's internal risk rating system as of December 31, 2015 and December 31, 2014 , respectively: Pass Special Mention Substandard Doubtful Total December 31, 2015 (In Thousands) Commercial real estate $ 287,755 $ - $ 1,549 $ - $ 289,304 Commercial construction 16,971 - 815 - 17,786 Commercial 34,889 66 - - 34,955 Residential real estate 346,787 - 529 - 347,316 Consumer 745 - - - 745 Total $ 687,147 $ 66 $ 2,893 $ - $ 690,106 December 31, 2014 Commercial real estate $ 244,805 $ 1,989 $ 2,660 $ - $ 249,454 Commercial construction 21,844 - 1,376 - 23,220 Commercial 33,672 510 - - 34,182 Residential real estate 302,533 154 221 - 302,908 Consumer 972 - - - 972 Total $ 603,826 $ 2,653 $ 4,257 $ - $ 610,736 The following table summarizes information in regards to impaired loans by loan portfolio class as of December 31, 2015 and 2014 , respectively: Year to Date Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized December 31, 2015 (In Thousands) With no related allowance recorded: Commercial real estate $ 3,644 $ 3,928 $ 3,672 $ 139 Commercial construction 815 815 1,096 38 Commercial - - - - Residential real estate 758 758 1,029 10 Consumer - - - - With an allowance recorded: Commercial real estate $ - $ - $ - $ 336 $ - Commercial construction - - - - - Commercial 321 321 115 323 10 Residential real estate 834 834 255 878 5 Consumer - - - - - Total: Commercial real estate $ 3,644 $ 3,928 $ - $ 4,008 $ 139 Commercial construction 815 815 - 1,096 38 Commercial 321 321 115 323 10 Residential real estate 1,592 1,592 255 1,907 15 Consumer - - - - - $ 6,372 $ 6,656 $ 370 $ 7,334 $ 202 December 31, 2014 With no related allowance recorded: Commercial real estate $ 4,649 $ 4,984 $ 5,729 $ 172 Commercial construction 1,376 1,376 2,197 78 Commercial 4 4 48 1 Residential real estate 413 431 488 8 Consumer - - - - With an allowance recorded: Commercial real estate $ 555 $ 555 $ 76 $ 575 $ 108 Commercial construction - - - - - Commercial 326 326 119 229 9 Residential real estate 858 858 202 925 15 Consumer - - - - - Total: Commercial real estate $ 5,204 $ 5,539 $ 76 $ 6,304 $ 280 Commercial construction 1,376 1,376 - 2,197 78 Commercial 330 330 119 277 10 Residential real estate 1,271 1,289 202 1,413 23 Consumer - - - - - $ 8,181 $ 8,534 $ 397 $ 10,191 $ 391 The following table presents nonaccrual loans by classes of the loan portfolio as of December 31, 2015 and 2014 , respectively: 2015 2014 (In Thousands) Commercial real estate $ 164 $ 1,251 Commercial construction - - Commercial 66 66 Residential real estate 529 366 Consumer - - Total $ 759 $ 1,683 The performance and credit quality of the loan portfolio is also monitored by analyzing the age of the loans receivable as determined by the length of time a recorded payment is past due. The following table presents the classes of the loan portfolio summarized by the past due status as of December 31, 2015 and 2014 , respectively: 30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Past Due Total Past Due Current Total Loan Receivables Loan Receivables > 90 Days and Accruing December 31, 2015 (In Thousands) Commercial real estate $ 219 $ - $ 164 $ 383 $ 288,921 $ 289,304 $ - Commercial construction 500 - - 500 17,286 17,786 - Commercial - - 66 66 34,889 34,955 - Residential real estate 159 76 529 764 346,552 347,316 - Consumer - - - - 745 745 - Total $ 878 $ 76 $ 759 $ 1,713 $ 688,393 $ 690,106 $ - December 31, 2014 Commercial real estate $ 1,018 $ 182 $ 937 $ 2,137 $ 247,317 $ 249,454 $ - Commercial construction 1,061 - - 1,061 22,159 23,220 - Commercial - - 66 66 34,116 34,182 - Residential real estate 540 154 366 1,060 301,848 302,908 - Consumer 25 - - 25 947 972 - Total $ 2,644 $ 336 $ 1,369 $ 4,349 $ 606,387 $ 610,736 $ - The following table summarizes information in regards to the allowance for loan losses as of December 31, 2015 and 2014, respectively: Commercial Real Estate Commercial Construction Commercial Residential Real Estate Consumer Unallocated Total (In Thousands) Allowance for loan losses Year Ending December 31, 2015 Beginning Balance - December 31, 2014 $ 1,704 $ 401 $ 407 $ 1,955 $ 22 $ 1,125 $ 5,614 Charge-offs (60) - - (28) - - (88) Recoveries 10 - - - - - 10 Provisions 478 (107) (5) 602 7 (443) 532 Ending Balance - December 31, 2015 $ 2,132 $ 294 $ 402 $ 2,529 $ 29 $ 682 $ 6,068 Year Ending December 31, 2014 Beginning Balance - December 31, 2013 $ 1,791 $ 495 $ 349 $ 2,068 $ 24 $ 599 $ 5,326 Charge-offs (10) (50) (38) (63) - - (161) Recoveries - 198 1 - - - 199 Provisions (77) (242) 95 (50) (2) 526 250 Ending Balance - December 31, 2014 $ 1,704 $ 401 $ 407 $ 1,955 $ 22 $ 1,125 $ 5,614 The f ollowing tables represent the allocation of the allo wance for loan losses and the related loan portfolio disaggregated based on impairment methodology at December 31, 2015 and December 31, 2014 : Commercial Real Estate Commercial Construction Commercial Residential Real Estate Consumer Unallocated Total (In Thousands) December 31, 2015 Allowance for Loan Losses Ending Balance $ 2,132 $ 294 $ 402 $ 2,529 $ 29 $ 682 $ 6,068 Ending balance: individually evaluated for impairment $ - $ - $ 115 $ 255 $ - $ - $ 370 Ending balance: collectively evaluated for impairment $ 2,132 $ 294 $ 287 $ 2,274 $ 29 $ 682 $ 5,698 Loans receivables: Ending balance $ 289,304 $ 17,786 $ 34,955 $ 347,316 $ 745 $ 690,106 Ending balance: individually evaluated for impairment $ 3,644 $ 815 $ 321 $ 1,592 $ - $ 6,372 Ending balance: collectively evaluated for impairment $ 285,660 $ 16,971 $ 34,634 $ 345,724 $ 745 $ 683,734 December 31, 2014 Allowance for Loan Losses Ending Balance $ 1,704 $ 401 $ 407 $ 1,955 $ 22 $ 1,125 $ 5,614 Ending balance: individually evaluated for impairment $ 76 $ - $ 119 $ 202 $ - $ - $ 397 Ending balance: collectively evaluated for impairment $ 1,628 $ 401 $ 288 $ 1,753 $ 22 $ 1,125 $ 5,217 Loans receivables: Ending balance $ 249,454 $ 23,220 $ 34,182 $ 302,908 $ 972 $ 610,736 Ending balance: individually evaluated for impairment $ 5,204 $ 1,376 $ 330 $ 1,271 $ - $ 8,181 Ending balance: collectively evaluated for impairment $ 244,250 $ 21,844 $ 33,852 $ 301,637 $ 972 $ 602,555 Beginning with the allowance for loan losses calculation of March 31, 2015, management added a new qualitative factor into the calculation which resulted in a reduction of the unallocated portion of the allowance. This new factor was based on management's best judgment using relevant information available at the time of the evaluation and is supported throu gh documentation in a narrative accompanying the allowance for loan loss calculation. Troubled Debt Restructurings The Company may grant a concession or modification for economic or legal reasons related to a borrower’s financial condition than it would not otherwise consider, resulting in a modified loan which is then identified as troubled debt restructuring (“TDR”). The Company may modify loans through rate reductions, extensions to maturity, interest only payments, or payment modifications to better coincide the timing of payments due under the modified terms with the expected timing of cash flows from the borrowers’ operations. Loan modifications are intended to minimize the economic loss and to avoid foreclosure or repossession of the collateral. TDRs are considered impaired loans for purposes of calculating the Company’s allowance for loan losses. The Company identifies loans for potential restructure primarily through direct communication with the borrower and the evaluation of the borrower’s financial statements, revenue projections, tax returns, and credit reports. Even if the borrower is not presently in default, management will consider the likelihood that cash flow shortages, adverse economic conditions, and negative trends may result in a payment default in the near future. The following table presents TDRs outstanding: December 31, 2015 Accrual Loans Non-Accrual Loans Total Modifications (In Thousands) Commercial real estate $ 3,145 $ - $ 3,145 Commercial construction 260 - 260 Commercial 255 - 255 Residential real estate 1,063 - 1,063 Consumer - - - $ 4,723 $ - $ 4,723 December 31, 2014 Accrual Loans Non-Accrual Loans Total Modifications (In Thousands) Commercial real estate $ 3,401 $ 314 $ 3,715 Commercial construction 260 - 260 Commercial 264 - 264 Residential real estate 1,050 - 1,050 Consumer - - - $ 4,975 $ 314 $ 5,289 The following table presents newly restructured loans that occurred during the year s end ed December 31, 2015 and 2014 : Number of Loans Pre-Modification Outstanding Balance Post- Modification Outstanding Balance (Dollars In Thousands) Year Ending December 31, 2015 Residential real estate 1 $ 142 $ 142 1 $ 142 $ 142 Year Ending December 31, 2014 Commercial 1 $ 262 $ 260 1 $ 262 $ 260 Of the TDRs listed above, there was not an impairment reserve recorded in the allowance for loan losses for the twelve months ended December 31, 2015. One loan required an impairment reserve of $ 53 thousand recorded in the allowance for loan losses for the twelve months ended December 31, 2014 . As of the years ended December 31, 2015 and 2014 , no available commitments were outstanding on TDRs. There were no loans that were modified and classified as a TDR within the prior twelve months that experienced a payment default (loans ninety or more days past due) during the twelve months ended December 31, 2015 .

Bank Premises And Equipment

Bank Premises And Equipment	12 Months Ended
	Dec. 31, 2015
Bank Premises And Equipment [Abstract]
Bank Premises And Equipment	Note 5 - Bank Premises and Equipment The components of premises and equipment at December 31, 2015 and 2014 are as follows: 2015 2014 (In Thousands) Furniture, fixtures and equipment $ 2,710 $ 2,499 Leasehold improvements 2,715 2,225 Computer equipment and data processing software 2,303 1,756 Automobiles 182 166 Construction in progress 56 - 7,966 6,646 Accumulated depreciation (5,708) (5,131) $ 2,258 $ 1,515 Depreciation expense for the years ended December 31, 2015 and 2014 was $605 thousand and $643 thousand, respectively.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2015
Deposits [Abstract]
Deposits	Note 6 – Deposits The components of deposits at December 31, 2015 and 2014 are as follows: December 31, December 31, 2015 2014 (In Thousands) Demand, non-interest bearing $ 89,959 $ 68,467 Demand, NOW and money market, interest bearing 67,402 63,263 Savings 406,361 405,964 Time, $100 and over 59,533 42,122 Time, other 37,011 31,852 Total deposits $ 660,266 $ 611,668 At December 31, 2015 , the scheduled maturities of time deposits are as follows (in thousands): 2016 $ 52,441 2017 12,772 2018 17,750 2019 7,465 2020 6,116 $ 96,544 Time deposits with individual balances equal to or greater than $250,000 (FDIC insurance limit) at December 31, 201 5 and 201 4 totaled $23.1 million and $18.3 million, respectively .

Securities Sold Under Agreement

Securities Sold Under Agreements To Repurchase	12 Months Ended
	Dec. 31, 2015
Securities Sold Under Agreements To Repurchase [Abstract]
Securities Sold Under Agreements To Repurchase	Note 7 - Securities Sold under Agreements to Repurchase Securities sold under agreements to repurchase generally mature within a few days from the transaction date and are reflected at the amount of cash received in connection with the transaction. The securities are retained under the Company’s control at its safekeeping agent. The Company adjusts collateral based on the fair value of the underlying securities, on a monthly basis. Information concerning securities sold under agreements to repurchase for the years ended December 31, 2015 and 2014 is summarized as follows: 2015 2014 (Dollars In Thousands) Balance outstanding at December 31 $ 27,535 $ 30,304 Weighted average interest rate at the end of the year 0.058 % 0.065 % Average daily balance during the year $ 32,336 $ 30,597 Weighted average interest rate during the year 0.054 % 0.056 % Maximum month-end balance during the year $ 34,156 $ 31,923

Short-Term And Long-Term Borrow

Short-Term And Long-Term Borrowings	12 Months Ended
	Dec. 31, 2015
Short-Term And Long-Term Borrowings [Abstract]
Short-Term And Long-Term Borrowings	N ote 8 – Short-term and Long-term Borrowings The Bank has borrowing capacity with the FHLB of approximately $399.9 million , which includes a line of credit for $150.0 million. Long-term loans outstanding with the FHLB totaled $3.8 million as of December 31, 2015. There were no outstanding long-term loans outstanding with the FHLB as of December 31, 2014. Short-term loans outstanding with FHLB totaled $39.3 million and $9.0 million as of December 31, 2015 and December 31, 2014, respectively. The increase in short-term loans outstanding with FHLB was primarily used to fund loan growth and investment security purchases. All FHLB borrowings are secured by qualifying assets of the Bank. The Bank has a federal funds line of credit with ACBB of approximately $ 10.0 million, of which none was outstanding at December 31, 2015 and 2014 . Advances from this line are unsecured. The Company has one line of credit with Univest Bank and Trust Co., totaling $ 4.0 million, of which none was outstanding at December 31, 2015. This line of credit is secured by 333,333 shares of Bank common stock, subordinate to all senior indebtedness of the Company. The Company paid off a second line of credit in 2015 with Univest Bank and Trust Co., totaling $6.0 million, at origination, of which $1.9 million was outstanding at December 31, 2014. The components of long-term borrowings with the FHLB at December 31, 2015 are as follows: 2015 (Dollars in Thousands) Maturity Date Interest Rate Outstanding April 2016 0.26% $ 667 April 2017 0.48% 668 April 2018 0.69% 779 April 2019 0.88% 836 April 2020 1.06% 870 Total Outstanding Borrowings $ 3,820 Subsequent to year end 2015 , on March 18, 2016, the Company repaid the entire $3.8 million in long-term borrowings with the FHLB. In connection to this repayment a penalty of $432 was incurred . The components of long-term borrowings with Univest at December 31, 2014 were as follows: 2014 (Dollars in Thousands) Maturity Date Interest Rate Outstanding November 2015, repaid 7.50% $ 1,900

Lease Commitments

Lease Commitments	12 Months Ended
	Dec. 31, 2015
Lease Commitments [Abstract]
Lease Commitments	Note 9 - Lease Commitments The Company leases its banking premises under leases which the Company classifies as operating leases. These leases expire at various dates through August 2025 . In addition to fixed rentals, the leases require the Company to pay certain additional expenses of occupying these spaces, including real estate taxes, insurance, utilities and repairs. A portion of these leases are with related parties as described below. Future minimum lease payments by year and in the aggregate, under all lease agreements, are as follows: Related Parties Third Parties Total (In Thousands) 2016 418 855 1,273 2017 108 881 989 2018 46 902 948 2019 46 654 700 2020 46 130 176 Thereafter 11 - 11 $ 675 $ 3,422 $ 4,097 Total rent expense was $ 1. 2 million for the years ended December 31, 2015 and 2014 . Rent expense to related parties was $ 4 10 thousand and $403 thousand for the years ended December 31, 2015 and 2014 , respectively (see Note 14) .

Employment Agreements And Suppl

Employment Agreements And Supplemental Executive Retirement Plans	12 Months Ended
	Dec. 31, 2015
Employment Agreements And Supplemental Executive Retirement Plans [Abstract]
Employment Agreements And Supplemental Executive Retirement Plans	Note 10 - Employment Agreements and Supplemental Executive Retirement Plans The Company has entered into employment agreements with its Chief Executive Officer, Chief Financial Officer and Executive Vice President of Commercial Lending. The Company has a non-qualified Supplemental Executive Retirement Plan (“SERP”) for certain executive officers that provide s for payments upon retirement, death or disability. As of December 31, 2015 and 2014 , respectively, other liabilities include $ 3 .4 million and $ 3.0 million , respectively, accrued under these plans. For the years ended December 31, 2015 and 2014 , $ 377 thousand and $ 808 thousand , respectively, were expensed under these plans.

Stock Incentive Plan

Stock Incentive Plan	12 Months Ended
	Dec. 31, 2015
Stock Incentive Plan [Abstract]
Stock Incentive Plan	Note 11 - Stock Incentive Plan At the Company’s annual meeting on June 16, 2010, the shareholders approved the Embassy Bancorp, Inc. 2010 Stock Incentive Plan (the “SIP”). The SIP authorizes the Board of Directors, or a committee authorized by the Board of Directors, to award a stock based incentive to (i) designated officers (including officers who are directors) and other designated employees at the Company and its subsidiaries, and (ii) non-employee members of the Board of Directors and advisors and consultants to the Company and its subsidiaries. The SIP provides for stock based incentives in the form of incentive stock options as provided in Section 422 of the Internal Revenue Code of 1986, non-qualified stock options, stock appreciation rights, restricted stock and deferred stock awards. The term of the option, the amount of time for the option to vest after grant, if any, and other terms and limitations will be determined at the time of grant. Options granted under the SIP may not have an exercise period that is more than ten years from the time the option is granted. At inception, the aggregate number of shares available for issuance under the SIP was 500,000 . The SIP provides for appropriate adjustments in the number and kind of shares available for grant or subject to outstanding awards under the SIP to avoid dilution in the event of merger, stock splits, stock dividends or other changes in the capitalization of the Company. The SIP expires on June 15, 2020 . At December 31, 2015, there were 328,144 shares available for issuance under the SIP. The Company grants shares of restricted stock, under the SIP, to certain members of its Board of Directors as compensation for their services, in accordance with the Company’s Non-employee Directors Compensation program adopted in October 2010. The Company also granted restricted stock to certain officers under individual agreements with these officers. Some of these restricted stock awards vest immediately, while the remainder vest over three to nine service years. Management recognizes compensation expense for the fair value of the restricted stock awards on a straight-line basis over the requisite service period. Since inception of the plan and through the Company’s restricted stock grants activity for the year ended December 31, 2015, there have been 59,840 awards granted. During the years ended December 31, 2015 and 2014 there were 32,875 and 10,209 awards granted, respectively. During the years ended December 31, 2015 and 2014 the Company recognized $96 thousand and $76 thousand in compensation expense for the restricted stock awards. Information regarding the Company’s restricted stock grants activity for the years ended December 31, 2015 and 2014 are as follows: Restricted Stock Awards Weighted Average Grant Date Fair Value Non-Vested at December 31, 2013 - $ - Granted 10,209 7.51 Vested (10,209) 7.51 Non-Vested at December 31, 2014 - $ - Granted 32,875 10.83 Vested (9,122) 10.55 Non-Vested at December 31, 2015 23,753 $ 10.94 In January 2014, February 2013 and 2012, the Company granted stock options to purchase 29,663 , 29,742 and 52,611 shares of stock to certain executive officers in accordance with their respective employment agreements. No stock options were granted in 2015. Stock compensation expense related to these options was $ 45 thousand and $ 98 thousand for the year ended December 31, 2015 and 2014, respectively. At December 31, 2015, approximately $ 28 thousand unrecognized cost to these stock options granted in 2014 and 2013 will be recognized over the next 1.05 and 0.15 years, respectively. The fair value of the options granted in 2014, 2013 and 2012 was determined with the following weighted average assumptions: dividend yield of 0% , risk free interest rate of 2.30 % , 1.34% and 1.43% , respectively, expected life of 6.0 years, 6.0 years and 7.5 years, respectively, and expected volatility of 28.93% , 28.79% and 31.10% , respectively. The weighted average fair value of options granted in 2014, 2013 and 2012 was $2.46 , $2.14 and $2.56 per share, respectively. Activities under the SIP, related to stock options, is summarized as follows: Number of Options Weighted Average Exercise Price Outstanding, December 31, 2013 149,692 $ 8.35 Granted 29,663 7.51 Exercised (33,874) 10.00 Forfeited (33,465) 10.00 Outstanding, December 31, 2014 112,016 $ 7.14 Granted - - Exercised - - Forfeited - - Outstanding, December 31, 2015 112,016 $ 7.14 Exercisable, December 31, 2015 82,327 $ 7.06 Stock options outstanding at December 31, 2015 are exercisable at prices ranging from $ 6.56 to $ 7.66 per share. The weighted-average remaining contractual life of options outstanding and exercisable at December 31, 2015 is 5.91 years and 5.61 years , respectively . The weighted-average remaining contractual life of options outstanding and exercisable at December 31, 2014 was 6.91 years and 6.36 years, respectively. At December 31, 2015 , the aggregate intrinsic value of options outstanding and exercisable was $ 194 thousand. The intrinsic value was determined by using the latest known sales price of the Company’s common stock. For the years ending December 31, 2015 and 2014 , the aggregate intrinsic value of options exercised w as $ 3 28 thousand, respectively. The following table summarizes information about the range of exercise prices for stock options outstanding at December 31, 2015 : Range of Exercise Price Weighted Average Exercise Price Number Outstanding Weighted Average Remaining Contractual Life (Years) Number Exercisable $6.56 to $7.66 $ 7.14 112,016 5.91 82,327 112,016 5.91 82,327

Other Comprehensive Income (Los

Other Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2015
Other Comprehensive Income (Loss) [Abstract]
Other Comprehensive Income (Loss)	Note 12 – Other Comprehensive Income (Loss) Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities, are reported as a separate component of the equity section of the balance sheet, such items, along with net income, are components of comprehensive income (loss). The components of other comprehensive income (loss), both before tax and net of tax, are as follows: Year Ended December 31, 2015 2014 (In Thousands) Before Tax Net of Before Tax Net of Tax Effect Tax Tax Effect Tax Change in accumulated other comprehensive income: Unrealized holding (losses) gains on securities available for sale $ (182) $ 62 $ (120) $ 1,434 $ (484) $ 950 Reclassification adjustments for gains on securities transactions included in net income (A),(B) (165) 56 (109) (33) 8 (25) Total other comprehensive (loss) income $ (347) $ 118 $ (229) $ 1,401 $ (476) $ 925 (A) Realized gains on securities transactions included in gain on sales of securities, net, in the accompanying Consolidated Statements of Income. (B) Tax effect included in income tax expense in the accompanying Consolidated Statements of Income. A summary of the realized gains on securities available for sale, net of tax, is as follows: Year Ended December 31, 2015 2014 (In Thousands) Securities available for sale: Realized gains on securities transactions $ (165) $ (33) Income taxes 56 8 Net of tax $ (109) $ (25) A summary of the accumulated other comprehensive income, net of tax, is as follows: Securities Available for Sale (In Thousands) Year Ended December 31, 2015 and 2014 Balance January 1, 2015 $ 1,465 Other comprehensive loss before reclassifications (120) Amounts reclassified from accumulated other comprehensive income (109) Net other comprehensive loss during the period (229) Balance December 31, 2015 $ 1,236 Balance January 1, 2014 $ 540 Other comprehensive income before reclassifications 950 Amounts reclassified from accumulated other comprehensive income (25) Net other comprehensive income during the period 925 Balance December 31, 2014 $ 1,465

Federal Income Taxes

Federal Income Taxes	12 Months Ended
	Dec. 31, 2015
Federal Income Taxes [Abstract]
Federal Income Taxes	Note 13 - Federal Income Taxes The components of income tax expense for the years ended December 31, 2015 and 2014 are as follows: 2015 2014 (In Thousands) Current $ 2,981 $ 2,939 Deferred (33) (460) $ 2,948 $ 2,479 A reconciliation of the statutory federal income tax at a rate of 34% to the income tax expense included in the statement of income for the years ended December 31, 2015 and 2014 is as follows: 2015 2014 (In Thousands) Federal income tax at statutory rate $ 3,521 $ 3,021 Tax free interest (518) (510) Other (55) (32) $ 2,948 $ 2,479 The Company follows guidance in ASC Topic 740 regarding accounting for uncertainty in income taxes. The Company has evaluated its tax positions. A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that has a likelihood of being realized on examination of more than 50 percent. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. Under the “more likely than not” threshold guidelines, the Company believes no significant uncertain tax positions exist, either individually or in the aggregate, that would give rise to the non-recognition of an existing tax benefit. As of December 31, 2015 and 2014 , the Company had no material unrecognized tax benefits or accrued int erest and penalties. The Company’s policy is to account for interest as a component of interest expense and penalties as a component of other expense. The Company is subject to U.S. federal income tax. The components of the net deferred tax asset at December 31, 2015 and 2014 are as follows: 2015 2014 (In Thousands) Deferred tax assets: Allowance for loan losses $ 2,063 $ 1,909 Accrued SERP 1,159 1,031 Other 406 502 Total Deferred Tax Assets 3,628 3,442 Deferred tax liabilities: Premises and equipment 25 - Prepaid assets 320 303 Non-qualified stock awards 3 - Deferred loan costs 481 373 Unrealized gain on securities available for sale 636 754 Total Deferred Tax Liabilities $ 1,465 $ 1,430 Net Deferred Tax Asset $ 2,163 $ 2,012 Based upon the level of historical taxable income and projections for future taxable income over periods in which the deferred tax assets are deductible, management believes it is more likely than not that the Company will realize the benefits of these deductible differences.

Transactions With Executive Off

Transactions With Executive Officers, Directors And Principal Stockholders	12 Months Ended
	Dec. 31, 2015
Transactions With Executive Officers, Directors And Principal Stockholders [Abstract]
Transactions With Executive Officers, Directors And Principal Stockholders	Note 14 - Transactions with Executive Officers, Directors and Principal Stockholders The Company has had, and may be expected to have in the future, banking transactions in the ordinary course of business with its executive officers, directors, principal stockholders, their immediate families and affiliated companies (commonly referred to as related parties). Related parties were indebted to the Company for loans totaling $4.7 million and $3.3 million at December 31, 2015 and 2014 , respectively. During 2015 , loans totaling $3.3 million were disbursed and loan repayments totaled $1. 9 million. Deposits with related parties were $20.5 million and $23.4 million at December 31, 2015 and 2014, respectively. Fees paid to related parties for legal services for the years ended December 31, 2015 and 2014 were approximatel y $ 104 thousand and $ 84 thousand, respectively . The Company leases its main banking office from an investment group comprised of related parties and its West Broad Street office also from a related party, as described in Note 9.

Financial Instruments With Off-

Financial Instruments With Off-Balance Sheet Risk	12 Months Ended
	Dec. 31, 2015
Financial Instruments With Off-Balance Sheet Risk [Abstract]
Financial Instruments with Off-Balance Sheet Risk	Note 1 5 - Financial Instruments with Off-Balance Sheet Risk The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and letters of credit. Such commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the balance sheets. The Company's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and letters of credit is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. At December 31, 2015 and 2014 , the following financial instruments were outstanding whose contract amounts represent credit risk: 2015 2014 (In Thousands) Commitments to grant loans, fixed $ 5,745 $ 5,696 Commitments to grant loans, variable - 200 Unfunded commitments under lines of credit, fixed 22,679 14,921 Unfunded commitments under lines of credit, variable 65,142 57,310 Standby letters of credit 3,857 4,417 $ 97,423 $ 82,544 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. The Company evaluates each customer’s credit worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation. Collateral held varies but may include personal or commercial real estate, accounts receivable, inventory and equipment. Outstanding letters of credit written are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. The majority of these standby letters of credit expire within the next twelve months. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending other loan commitments. The Company requires collateral supporting these letters of credit as deemed necessary. The maximum undiscounted exposure related to these commitments at December 31, 2015 and 2014 was $3.9 million and $ 4. 4 million, respectively, and the approximate value of underlying collateral upon liquidation that would be expected to cover this maximum potential exposure was $3.7 million and $ 4.1 million, respectively. The current amount of the liability as of December 31, 2015 and 2014 for guarantees under standby letters of credit issued is not considered material.

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2015
Regulatory Matters [Abstract]
Regulatory Matters	Note 1 6 - Regulatory Matters The Company is required to maintain cash reserve balances in vault cash and with the Federal Reserve Bank. As of December 31, 2015 , the Company had a $4.0 million minimum reserve balance . The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. The final rules implementing BASEL Committee on Banking Supervisor’s Capital Guidance for U.S. banks (BASEL III rules) became effective for the Company on January 1, 2015, with full compliance with all of the requirements being phased in over a multi-year schedule and fully phased in by January 1, 2019. The net unrealized gain or losses available-for-sale securities is not included in computing regulatory capital amounts and ratios for December 31, 2014 are calculated using BASEL I rules. Failure to meet the minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, both the Company and the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk-weightings and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth below) of total , Tier 1 common capital, and Tier 1 capital (as defined in the regulations) to risk-weighted assets and of Tier 1 capital to average assets. Management believes, as of December 31, 2015 , that the Company and the Bank meet all capital adequacy requirements to which they are subject. As of December 31, 2015 , the most recent notification from the regulatory agencies categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the table below. There are no conditions or events since that notification that management believes have changed the Bank’s category. The Bank’s actual capital amounts and ratios at December 31, 2015 and 2014 are presented below: Actual For Capital Adequacy Purposes To be Well Capitalized under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio (Dollar Amounts in Thousands) December 31, 2015: Total capital (to risk-weighted assets) $ 72,880 12.6 % $ ≥ 46,377 ≥ 8.0 % $ ≥ 57,971 ≥ 10.0 % Tier 1 common capital (to risk-weighted assets) 66,812 11.5 ≥ 26,087 ≥ 4.5 ≥ 37,681 ≥ 6.5 Tier 1 capital (to risk-weighted assets) 66,812 11.5 ≥ 34,783 ≥ 6.0 ≥ 46,377 ≥ 8.0 Tier 1 capital (to average assets) 66,812 8.4 ≥ 31,948 ≥ 4.0 ≥ 39,935 ≥ 5.0 December 31, 2014: Total capital (to risk-weighted assets) $ 67,124 13.5 % $ ≥ 39,849 ≥ 8.0 % $ ≥ 49,811 ≥ 10.0 % Tier 1 capital (to risk-weighted assets) 61,510 12.4 ≥ 19,925 ≥ 4.0 ≥ 29,887 ≥ 6.0 Tier 1 capital (to average assets) 61,510 8.5 ≥ 28,846 ≥ 4.0 ≥ 36,057 ≥ 5.0 The Company’s actual capital amounts and ratios at December 31, 2015 and 2014 are presented below: Actual For Capital Adequacy Purposes Amount Ratio Amount Ratio (Dollar Amounts in Thousands) December 31, 2015: Total capital (to risk-weighted assets) $ 72,933 12.6 % $ ≥ 46,378 ≥ 8.0 % Tier 1 common capital (to risk-weighted assets) 66,865 11.5 ≥ 26,088 ≥ 4.5 Tier 1 capital (to risk-weighted assets) 66,865 11.5 ≥ 34,784 ≥ 6.0 Tier 1 capital (to average assets) 66,865 8.3 ≥ 32,231 ≥ 4.0 December 31, 2014: Total capital (to risk-weighted assets) $ 65,482 13.2 % $ ≥ 39,851 ≥ 8.0 % Tier 1 capital (to risk-weighted assets) 59,868 12.0 ≥ 19,926 ≥ 4.0 Tier 1 capital (to average assets) 59,868 8.2 ≥ 29,092 ≥ 4.0 The Bank is subject to certain restrictions on the amount of dividends that it may declare due to regulatory considerations. The Pennsylvania Banking Code provides that cash dividends may be declared and paid only out of accumulated net earnings.

Offsetting Assets And Liabiliti

Offsetting Assets And Liabilities	12 Months Ended
	Dec. 31, 2015
Offsetting Assets And Liabilities [Abstract]
Offsetting Assets And Liabilities	Note 17 – Offsetting Assets and Liabilities The Company enters into agreements under which it sells securities subject to an obligation to repurchase the same or similar securities. Under these arrangements, the Company may transfer legal control over the assets but still retain effective control through an agreement that both entitles and obligates the Company to repurchase the assets. As a result, these repurchase agreements are accounted for as collateralized financing arrangements (i.e., secured borrowings) and not as a sale and subsequent repurchase of securities. The obligation to repurchase the securities is reflected as a liability in the Company's consolidated statements of condition, while the securities underlying the repurchase agreements remain in the respective investment securities asset accounts. In other words, there is no offsetting or netting of the investment securities assets with the repurchase agreement liabilities. In addition, as the Company does not enter into reverse repurchase agreements, there is no such offsetting to be done with the repurchase agreements. The right of setoff for a repurchase agreement resembles a secured borrowing, whereby the collateral would be used to settle the fair value of the repurchase agreement should the Company be in default (e.g., fails to make an interest payment to the counterparty). For private institution repurchase agreements, if the private institution counterparty were to default (e.g., declare bankruptcy), the Company could cancel the repurchase agreement (i.e., cease payment of principal and interest), and attempt collection on the amount of collateral value in excess of the repurchase agreement fair value. The collateral is held by a third party financial institution in the counterparty's custodial account. The counterparty has the right to sell or repledge the investment securities. For government entity repurchase agreements, the collateral is held by the Company in a segregated custodial account under a tri-party agreement. The following table presents the liabilities subject to an enforceable master netting arrangement or repurchase agreements as of December 31, 2015 and December 31, 2014 : Net Amounts Gross Gross Amounts of Liabilities Amounts of Offset in the Presented in the Recognized Consolidated Consolidated Financial Cash Collateral Liabilities Balance Sheet Balance Sheet Instruments Pledged Net Amount (In Thousands) December 31, 2015 Repurchase Agreements: Corporate Institutions $ 27,535 $ - $ 27,535 $ (27,535) $ - $ - December 31, 2014 Repurchase Agreements: Corporate Institutions $ 30,304 $ - $ 30,304 $ (30,304) $ - $ - As of December 31, 2015 and December 31, 2014 , the fair value of securities pledged was $ 35.0 million and $3 4.5 million, respectively.

Fair Value Of Financial Instrum

Fair Value Of Financial Instruments	12 Months Ended
	Dec. 31, 2015
Fair Value Of Financial Instruments [Abstract]
Fair Value Of Financial Instruments	Note 1 8 - Fair Value of Financial Instruments The Company uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. 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. 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. ASC Topic 860 establishes a fair value hierarchy that prioritizes the inputs to valuation methods used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy under ASC Topic 860 are as follows: Level 1 : Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities. Level 2 : Quoted prices in markets that are not active, or inputs that are observable either directly or indirectly, for substantially the full term of the asset or liability. Level 3 : Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported with little or no market activity). An asset’s or liability’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. For financial assets measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy utilized at December 31, 2015 and 2014 are as follows: Description (Level 1) Quoted Prices in Active Markets for Identical Assets (Level 2) Significant Other Observable Inputs (Level 3) Significant Unobservable Inputs Total (In Thousands) U.S. Government agency obligations $ - $ 34,570 $ - $ 34,570 Municipal bonds - 41,204 - 41,204 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential - 1,479 - 1,479 December 31, 2015 Securities available for sale $ - $ 77,253 $ - $ 77,253 U.S. Government agency obligations $ - $ 30,076 $ - $ 30,076 Municipal bonds - 38,624 - 38,624 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential - 7,501 - 7,501 Corporate bonds - 996 - 996 December 31, 2014 Securities available for sale $ - $ 77,197 $ - $ 77,197 For financial assets measured at fair value on a nonrecurring basis, the fair value measurements by level within the fair value hierarchy used at December 31, 2015 and 2014 are as follows: Description (Level 1) Quoted Prices in Active Markets for Identical Assets (Level 2) Significant Other Observable Inputs (Level 3) Significant Unobservable Inputs Total (In Thousands) December 31, 2015 Impaired loans (1) $ - $ - $ 785 $ 785 December 31, 2015 Impaired loans (2) $ - $ - $ - $ - December 31, 2015 Other real estate owned (1) $ - $ - $ 1,224 $ 1,224 December 31, 2014 Impaired loans (1) $ - $ - $ 863 $ 863 December 31, 2014 Impaired loans (2) $ - $ - $ 479 $ 479 December 31, 2014 Other real estate owned (1) $ - $ - $ 1,106 $ 1,106 (1) Fair Value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 input which are not identifiable. Fair values may also include qualitative adjustments by management based on economic conditions and liquidation expenses. (2) Fair Value determined using the debt service of the borrower. Impaired loans are those that are accounted for under existing FASB guidance , in which the Bank has measured impairment generally based on the fair value of the loan’s collateral. Fair value is generally determined based upon independent third-party appraisals of the properties, or discounted cash flows based upon the expected proceeds. These assets are included as Level 3 fair values, based upon the lowest level of input that is significant to the fair value measurements. Real estate properties acquired through, or in lieu of, foreclosure are to be sold and are carried at fair value less estimated cost to sell. Fair value is based upon independent market prices or appraised value of the property. These assets are included in Level 3 fair value based upon the lowest level of input that is significant to the fair value measurement. At December 31, 2015 , of the impaired loans having an aggregate balance of $6.4 million, $ 5.2 million did not require a valuation allowance because the value of the collateral securing the loan was determined to meet or exceed the balance owed on the loan. Of the remaining $ 1.2 million in impaired loans, an aggregate valuation allowance of $ 370 thousand wa s required to reflect what was determined to be a shortfall in the value of the collateral as compared to the balance on such loans. Real estate properties acquired through, or in lieu of, foreclosure are to be sold and are carried at fair value less estimated cost to sell. Fair value is based upon independent market prices or appraised value of the property. These assets are included in Level 3 fair value based upon the lowest level of input that is significant to the fair value measurement. The foll owing table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which the Company has utilized Level 3 inputs to determine fair value: Quantitative Information about Level 3 Fair Value Measurements Description Fair Value Estimate Valuation Techniques Unobservable Input Range (Weighted Average) (Dollars In Thousands) December 31, 2015: Impaired loans $ 785 Appraisal of collateral (1) Appraisal adjustments (2) 0 % to -25% ( -25.0% ) Liquidation expenses (3) 0% to -7.5% ( -7.5% ) Impaired loans $ - Discounted Cash Flows (5) Other real estate owned $ 1,224 Listings, Letters of Intent & Third Party Evaluations (4) Liquidation expenses (3) -5% ( -5% ) December 31, 2014: Impaired loans $ 863 Appraisal of collateral (1) Appraisal adjustments (2) 0% to -25% ( -17.6% ) Liquidation expenses (3) 0% to -8.5% ( -8.2% ) Impaired loans $ 479 Discounted Cash Flows (5) Other real estate owned $ 1,106 Listings, Letters of Intent & Third Party Evaluations (4) Liquidation expenses (3) -5% ( -5% ) (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are not identifiable. (2) Appraisals may be adjusted by management for qualitative factors including economic conditions and the age of the appraisal. The range and weighted average of appraisal adjustments are presented as a percent of the appraisal. (3) Appraisals and pending agreements of sale are adjusted by management for liquidation expenses. The range and weighted average of liquidation expense adjustments are presented as a percent of the appraisal or pending agreement of sale. (4) Fair value is determined by listings, letters of intent or third-party evaluations. (5) Fair value is determined using the debt service of the borrower. The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company’s assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company’s disclosures and those of other companies may not be meaningful. The following methods and assumptions were used to estimate the fair values of the Company’s financial instruments at December 31, 2015 and December 31, 201 4 : Cash and Cash Equivalents (Carried at Cost) The carrying amounts reported in the balance sheet for cash and short-term instruments approximate those assets’ fair value s. Interest Bearing Time Deposits (Carried at Cost) Fair values for fixed-rate time certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered in the market on certificates to a schedule of aggregated expected monthly maturities on time deposits. The Company generally purchases amounts below the insured limit, limiting the amount of credit risk on these time deposits. Securities Available for Sale (Carried at Fair Value) The fair value of securities available for sale are determined by matrix pricing (Level 2), which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted market prices for the specific securities, but rather by relying on the securities’ relationship to other benchmark quoted prices. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the security’s terms and conditions, among other things. Loans Receivable (Carried at Cost) The fair values of loans, excluding impaired loans carried at fair value of collateral, are estimated using discounted cash flow analyses, using market rates at the balance sheet date that reflect the credit and interest rate-risk inherent in the loans. Projected future cash flows are calculated based upon contractual maturity or call dates, and projected repayments and prepayments of principal. Generally, for variable rate loans that reprice frequently and with n o significant change in credit risk, fair values are based on carrying values. Restricted Investment in Bank Stock (Carried at Cost) The carrying amount of restricted investment in bank stock approximates fair value, and considers the limited mark etability of such securities. Accrued Interest Receivable and Payable (Carried at Cost) The carrying amount of accrued interest receivable and accrued interest payable approximates its fair value. Deposit Liabilities (Carried at Cost) The fair values disclosed for demand deposits (e.g., interest and noninterest checking, passbook 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 a discounted cash flow calculation that applies interest rates currently being offered in the market on certificates to a schedule of aggregated expected monthly maturities on time deposits. Securities Sold Under Agreements to Repurchase and Short-term Borrowings (Carried at Cost) These borrowings are short term and the carrying amount approximates the fair value. Long-Term Borrowings (Carried at Cost) Fair values of FHLB and Univest advances are estimated using discounted cash flow analysis, based on quoted prices for new FHLB and Univest advances with similar credit risk characteristics, terms and remaining maturity. Th ese prices obtained from this active market represent a market value that is deemed to represent the transfer price if the liability were assumed by a third party. Off-Balance Sheet Financial Instruments (Disclosed at Cost) Fair values for the Company’s off-balance sheet financial instruments (lending commitments and letters of credit) are based on fees currently charged in the market to enter into similar agreements, taking into account, the remaining terms of the agreements and the counterparties’ credit standing. The estimated fair values of the Company’s financial instruments were as follows at December 31, 2015 and 2014 : Carrying Amount Fair Value Estimate (Level 1) Quoted Prices in Active Markets for Identical Assets (Level 2) Significant Other Observable Inputs (Level 3) Significant Unobservable Inputs (In Thousands) December 31, 2015: Financial assets: Cash and cash equivalents $ 19,526 $ 19,527 $ 19,527 $ - $ - Interest bearing time deposits - - - Securities available-for-sale 77,253 77,253 - 77,253 - Loans receivable, net of allowance 684,047 688,645 - - 688,645 Restricted investments in bank stock 2,178 2,178 - 2,178 - Accrued interest receivable 1,637 1,637 - 1,637 - Financial liabilities: Deposits 660,266 639,677 - 639,677 - Securities sold under agreements to repurchase and federal funds purchased 27,535 27,529 - 27,529 - Short-term borrowings 39,306 39,273 - 39,273 - Long-term borrowings 3,820 3,740 - - 3,740 Accrued interest payable 462 462 - 462 - Off-balance sheet financial instruments: Commitments to grant loans - - - - - Unfunded commitments under lines of credit - - - - - Standby letters of credit - - - - - December 31, 2014: Financial assets: Cash and cash equivalents $ 16,390 $ 16,390 $ 16,390 $ - $ - Interest bearing time deposits 250 251 - 251 - Securities available-for-sale 77,197 77,197 - 77,197 - Loans receivable, net of allowance 604,697 611,256 - - 611,256 Restricted investments in bank stock 784 784 - 784 - Accrued interest receivable 1,599 1,599 - 1,599 - Financial liabilities: Deposits 611,668 611,975 - 611,975 - Securities sold under agreements to repurchase and federal funds purchased 30,304 30,302 - 30,302 - Short-term borrowings 9,000 9,000 9,000 Long-term borrowings 1,900 1,877 - - 1,877 Accrued interest payable 349 349 - 349 - Off-balance sheet financial instruments: Commitments to grant loans - - - - - Unfunded commitments under lines of credit - - - - - Standby letters of credit - - - - -

Parent Company Only Financial

Parent Company Only Financial	12 Months Ended
	Dec. 31, 2015
Parent Company Only Financial [Abstract]
Parent Company Only Financial	Note 19 – Parent Company Only Financial Conde nsed financial information pertaining only to the parent company, Embassy Bancorp, Inc., is as follows: BALANCE SHEETS As of December 31, 2015 2014 (In Thousands) ASSETS Cash $ 209 $ 410 Other assets 19 26 Investment in subsidiary 68,046 62,972 Total Assets $ 68,274 $ 63,408 LIABILITIES AND STOCKHOLDERS’ EQUITY Long-term borrowings $ - $ 1,900 Other liabilities 174 178 Stockholders’ equity 68,100 61,330 Total Liabilities and Stockholders’ Equity $ 68,274 $ 63,408 STATEMENTS OF INCOME AND COMPREHENSIVE INCOME Years Ending December 31, 2015 2014 (In Thousands) Interest expense on borrowings $ (83) $ (258) Other expenses (291) (291) Equity in net income of banking subsidiary 7,665 6,776 Income before income taxes 7,291 6,227 Income tax benefit 118 178 Net income $ 7,409 $ 6,405 Equity in other comprehensive (loss) gain of banking subsidiary (229) 925 Comprehensive income $ 7,180 $ 7,330 STATEMENT OF CASH FLOWS Years Ending December 31, 2015 2014 (In Thousands) Cash Flows from Operating Activities : Net income $ 7,409 $ 6,405 Adjustments to reconcile net income to net cash provided by operating activities: Net change in other assets and liabilities 3 (1) Equity in net income of banking subsidiary (7,665) (6,776) Net Cash Used in Operating Activities (253) (372) Cash Flows from Investing Activities: Dividend from banking subsidiary 2,412 2,185 Net Cash Provided by Investing Activities 2,412 2,185 Cash Flows from Financing Activities: Repayment of long-term borrowings (1,900) (2,000) Exercise of stock options, net of payment stock tendered and proceeds from DRIP 276 288 Dividends Paid (736) (440) Net Cash Used in Financing Activities (2,360) (2,152) Net Decrease in Cash (201) (339) Cash – Beginning 410 749 Cash - Ending $ 209 $ 410

Summary Of Significant Accoun28

Summary Of Significant Accounting Policies (Policy)	12 Months Ended
	Dec. 31, 2015
Summary Of Significant Accounting Policies [Abstract]
Principles Of Consolidation And Nature Of Operations	Principles of Consolidation and Nature of Operations Embassy Bancorp, Inc. (the “Company”) is a Pennsylvania corporation organized in 2008 and registered as a bank holding company pursuant to the Bank Holding Company Act of 1956, as amended (the “BHC Act”). The Company was formed for purposes of acquiring Embassy Bank For The Lehigh Valley (the “Bank”) in connection with the reorganization of the Bank into a bank holding company structure, which was consummated on November 11, 2008 . Accordingly, the Company owns all of the capital stock of the Bank, giving the organization more flexibility in meeting its capital needs as the Company continues to grow. The Bank, which is the Company’s principal operating subsidiary, was originally incorporated as a Pennsylvania bank on May 11, 2001 and opened its doors on November 6, 2001. It was formed by a group of local business persons and professionals with significant prior experience in community banking in the Lehigh Valley area of Pennsylvania, the Bank’s primary market area.
Estimates	Estimates The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the valuation of other real estate owned, and the valuation of deferred tax assets.
Concentrations Of Credit Risk	Concentrations of Credit Risk Most of the Company’s activities are with customers located in the Lehigh Valley area of Pennsylvania. Note 2 discuss es the types of securities in which the Company invests. The concentrations of credit by type of loan are set forth in Note 3. The Company does not have any significant concentrations to any one specific industry or customer, with the exception of lending activity to a broad range of lessors of residential and non-residential real estate within the Lehigh Valley. Although the Company has a diversified loan portfolio, its debtors’ ability to honor their contracts is influenced by the region’s economy.
Presentation Of Cash Flows	Presentation of Cash Flows For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, interest-bearing demand deposits with bank, and federal funds sold. Generally, federal funds are purchased or sold for less than one week periods.
Securities	S ecurities Securities classified as available for sale are those securities that the Company intends to hold for an indefinite period of time, but not necessarily to maturity. Securities available for sale are carried at fair value. Any decision to sell a security classified as available for sale would be based on various factors, including significant movement in interest rates, changes in maturity mix of the Company’s assets and liabilities, liquidity needs, regulatory capital considerations and other similar factors. Unrealized gains and losses are reported as increases or decreases in other comprehensive income. Realized gains or losses, determined on the basis of the cost of the specific securities sold, are included in earnings. Premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Other than temporary accounting guidance specifies that (a) if a company does not have the intent to sell a debt security prior to recovery and (b) it is more likely than not that it will not have to sell the debt security prior to recovery, the security would not be considered other-than-temporarily impaired unless there is a credit loss. When an entity does not intend to sell the security, and it is more likely than not the entity will not have to sell the security before recovery of its cost basis, it will recognize the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income. The Company recognized no other-than-temporary impairment charges during the years ended December 31, 2015 and 2014 .
Restricted Investments In Bank Stock	Restricted Investments in Bank Stock Restricted investments in bank stock consist of FHLBank Pittsburgh (“F HLB”) stock and Atlantic Community Bankers Bank (“ACBB”) stock. The restricted stocks have no quoted market value and are carried at cost. Federal law requires a member institution of the FHLB to hold stock of its district FHLB according to a predetermined formula. During 2014 the FHLB conducted limited excess capital stock repurchases based upon positive quarterly net income. In October 2014, the FHLB amended its Capital Plan and created two subclasses of stock, one required as a member (“membership stock”) and additional stock in the FHLB in relation to the level of outstanding borrowings (“activity-based stock”). Under this new plan the costs of membership decreased. As a result of this decrease , the FHLB began repurchasing excess stock on a regular monthly repurchase date and pay dividends, if conditions warrant, on a quarterly basis. Dividend payments of $ 113 thousand and $57 thousand were recei ved during the years ended December 31, 2015 and 2014 , respectively. Management evaluates the FHLB and ACBB restricted stock for impairment. Management’s determination of whether these investments are impaired is based on their assessment of the ultimate recoverability of their cost rather than by recognizing temporary declines in value. The determination of whether a decline affects the ultimate recoverability of their cost is influenced by criteria such as (1) the significance of the decline in net assets of the issuer as compared to the capital stock amount for the issuer and the length of time this situation has persisted, (2) commitments by the issuer to make payments required by law or regulation and the level of such payments in relation to the operating performance of the issuer, and (3) the impact of legislative and regulatory changes on institutions and, accordingly, on the customer base of the issuer. Management believes no impairment charge is necessary related to the FHLB or ACBB restricted stock as of December 31, 2015 .
Loans Receivable	Loans Receivable Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at their outstanding unpaid principal balances, net of any deferred fees or costs. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the yield using the effective interest method. Premiums and discounts on purchased loans are amortized as adjustments to interest income using the effective interest method. Delinquency fees are recognized in income when chargeable, assuming collectability is reasonably assured. The loans receivable portfolio is segmented into commercial and consumer loans. Commercial loans consist of the following classes: commercial real estate, commercial construction and commercial. Consumer loans consist of the following classes: residential real estate and other consumer loans. The Company makes commercial loans for real estate development and other business purposes required by the customer base. The Company’s credit policies determine advance rates against the different forms of collateral that can be pledged against commercial loans. Typically, the majority of loans will be limited to a percentage of their underlying collateral values such as real estate values, equipment, eligible accounts receivable and inventory. Individual loan advance rates may be higher or lower depending upon the financial strength of the borrower and/or term of the loan. The assets financed through commercial loans are used within the business for its ongoing operation. Repayment of these kinds of loans generally comes from the cash flow of the business or the ongoing conversion of assets. Commercial real estate loans include long-term loans financing commercial properties. Repayments of these loans are dependent upon either the ongoing cash flow of the borrowing entity or the resale of or lease of the subject property. Commercial real estate loans typically require a loan to value ratio of not greater than 80% and vary in terms. Residential mortgages and home equity loans are secured by the borrower’s residential real estate in either a first or second lien position. Residential mortgages and home equity loans have varying interest rates (fixed or variable) depending on the financial condition of the borrower and the loan to value ratio. Residential mortgages may have amortizations up to 30 years and home equity loans may have maturities up to 25 years. Other consumer loans include installment loans, car loans, and overdraft lines of credit. Some of these loans may be unsecured. For all classes of loans receivable, the accrual of interest may be discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan is currently performing. A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured. When a loan is placed on nonaccrual status, unpaid interest credited to income in the current year is reversed. Interest received on nonaccrual loans, including impaired loans, generally is applied against principal. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time (generally six months) and the ultimate collectability of the total contractual principal and interest is no longer in doubt. The past due status of all classes of loans receivable is determined based on contractual due dates for loan payments.
Allowance For Loan Losses	Allowance for Loan Losses The allowance for loan losses represents management’s estimate of losses inherent in the loan portfolio as of the balance sheet date and is recorded as a reduction to loans. The reserve for unfunded loan commitments represents management’s estimate of losses inherent in its unfunded loan commitments and is recorded in other liabilities on the consolidated balance sheet. The allowance for loan losses is increased by the provision for loan losses, and decreased by charge-offs, net of recoveries. Loans, or portions of loans, determined to be confirmed losses are charged against the allowance account and subsequent recoveries, if any, are credited to the account. A loss is considered confirmed when information available at the balance sheet date indicates the loan, or a portion thereof, is uncollectible. Management performs a quarterly evaluation of the adequacy of the allowance. The allowance is based on the Company’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, composition of the loan portfolio, current economic conditions and other relevant factors. This evaluation is inherently subjective as it requires material estimates that may be susceptible to significant revision as more information becomes available. Management maintains the allowance for loan losses at a level it believes adequate to absorb probable credit losses related to specifically identified loans, as well as probable incurred losses inherent in the remainder of the loan portfolio as of the balance sheet dates. The allowance for loan losses account consists of specific and general reserves. The specific component consists of the specific reserve for impaired loans individually evaluated under Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 310, “Receivables,” and the general component is utilized for loss contingencies on those loans collectively evaluated under FASB ASC 450, “Contingencies.” For the specific portion of the allowance for loan losses, a loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. All amounts due according to the contractual terms means that both the contractual interest and principal payments of a loan will be collected as scheduled in the loan agreement. Factors considered by management in determining impairment include payment status, ability to pay and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Loans considered impaired under FASB ASC 310 are measured for impairment based on the present value of expected future cash flows discounted at the loan’s effective interest rate or the fair value of the collateral if the loan is collateral dependent. If the present value of expected future cash flows discounted at the loan’s effective interest rate or the fair value of the collateral, if the loan is collateral dependent, is less than the recorded investment in the loan, including accrued interest and net deferred loan fees or costs, the Company will recognize the impairment by adjusting the allowance for loan losses account through charges to earnings as a provision for loan losses. For loans secured by real estate, estimated fair values are determined primarily through third-party appraisals. When a real estate secured loan becomes impaired, a decision is made regarding whether an updated certified appraisal of the real estate is necessary. This decision is based on various considerations, including the age of the most recent appraisal, loan-to-value ratio based on the original appraisal and the condition of the property. Appraised values are discounted to arrive at the estimated selling price of the collateral, which is considered to be the estimated fair value. The discounts also include estimated costs to sell the property. For commercial and industrial loans secured by non-real estate collateral, such as accounts receivable, inventory and equipment, estimated fair values are determined based on the borrower’s financial statements, inventory reports, accounts receivable aging or equipment appraisals or invoices. Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets. The general portion of the allowance for loan losses covers pools of loans by major loan class including commercial loans not considered impaired, as well as smaller balance homogeneous loans, such as residential real estate and other consumer loans. Loss contingencies for each of the major loan pools are determined by applying a total loss factor to the current balance outstanding for each individual pool. The total loss factor is comprised of a historical loss factor using the loss migration method plus a qualitative factor, which adjusts the historical loss factor for changes in trends, conditions and other relevant factors that may affect repayment of the loans in these pools as of the evaluation date. Loss migration involves determining the percentage of each pool that is expected to ultimately result in loss based on historical loss experience. Historical loss factors are based on the ratio of net loans charged-off to loans, net, for each of the major groups of loans evaluated and measured for impairment under FASB ASC 450. The historical loss factor for each pool is an average of the Company’s historical net charge-off ratio for the most recent rolling twenty quarters. In addition to these historical loss factors, management also uses a qualitative factor that represents a number of environmental risks that may cause estimated credit losses associated with the current portfolio to differ from historical loss experience. These environmental risks include: (i) changes in lending policies and procedures including underwriting standards and collection, charge-off and recovery practices; (ii) changes in the composition and volume of the portfolio; (iii) changes in national, local and industry conditions, including the effects of such changes on the value of underlying collateral for collateral-dependent loans; (iv) changes in the volume and severity of classified loans, including past due, nonaccrual, troubled debt restructures and other loan modifications; (v) changes in the levels of, and trends in, charge-offs and recoveries; (vi) the existence and effect of any concentrations of credit and changes in the level of such concentrations; (vii) changes in the experience, ability and depth of lending management and other relevant staff; (viii) changes in the quality of the loan review system and the degree of oversight by the board of directors; and (ix) the effect of external factors such as competition and regulatory requirements on the level of estimated credit losses in the current loan portfolio. Each environmental risk factor is assigned a value to reflect improving, stable or declining conditions based on management’s best judgment using relevant information available at the time of the evaluation. Adjustments to the factors are supported through documentation of changes in conditions in a narrative accompanying the allowance for loan loss calculation. The unallocated component of the general allowance is used to cover inherent losses that exist as of the evaluation date, but which have not been identified as part of the allocated allowance using the above impairment evaluation methodology due to limitations in the process. One such limitation is the imprecision of accurately estimating the impact current economic conditions will have on historical loss rates. Variations in the magnitude of impact may cause estimated credit losses associated with the current portfolio to differ from historical loss experience, resulting in an allowance that is higher or lower than the anticipated level. The allowance calculation methodology includes further segregation of loan classes into risk rating categories. The borrower’s overall financial condition, repayment sources, guarantors and value of collateral, if appropriate, are evaluated annually for commercial loans or when credit deficiencies arise, such as delinquent loan payment, for commercial and consumer loans. Credit quality risk ratings include regulatory classifications of special mention, substandard, doubtful and loss. Loans criticized as special mention have potential weaknesses that deserve management’s close attention. If uncorrected, the potential weakness may result in deterioration of the repayment prospects. Loans classified substandard have a well-defined weakness and borrowers are highly leveraged. They include loans that are inadequately protected by the current sound net worth and the paying capacity of the obligor or of the collateral pledged, if any. Loans classified doubtful have all the weaknesses inherent in loans classified substandard with the added characteristic that collection or liquidation in full, on the basis of current conditions and facts, is highly improbable. Loans classified as a loss are considered uncollectible and are charged to the allowance for loan losses. Loans not classified are rated pass. Federal regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses and may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination, which may not be currently available to management. Based on management’s comprehensive analysis of the loan portfolio, management believes the current level of the allowance for loan losses is adequate.
Other Real Estate Owned	Other Real Estate Owned Other real estate owned is comprised of properties acquired through foreclosure proceedings or acceptance of a deed-in-lieu of foreclosure and loans classified as in-substance foreclosures. A loan is classified as an in-substance foreclosure when the Company has taken possession of the collateral, regardless of whether formal foreclosure proceedings take place. Other real estate owned is recorded at fair value less cost to sell at the time of acquisition. Any excess of the loan balance over the recorded value is charged to the allowance for loan losses at the time of acquisition . After foreclosure, valuations are periodically performed and the assets are carried at the lower of cost or fair value less cost to sell. Changes in the valuation allowance on foreclosed assets are included in other income. Costs to maintain the assets are included in other expenses. Any gain or loss realized upon disposal of other real estate owned is included in other income.
Bank Owned Life Insurance	Bank Owned Life Insurance The Company invests in bank owned life insurance (“BOLI”) as a tax deferred investment and a source of funding for employee benefit expenses. BOLI involves the purchasing of life insurance by the Company on certain of its employees and directors. The Company is the owner and beneficiary of the policies. This life insurance investment is carried at the cash surrender value of the underlying policies. Income from increases in cash surrender value of the policies is included in non-interest income and is not subject to income taxes unless surrendered . The Company does not intend to surrender these policies, and accordingly, no deferred taxes have been recorded on the earnings from these policies.
Premises And Equipment	Premises and Equipment Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed on the straight-line method over the following estimated useful lives of the related assets: furniture, fixtures and equipment for five to ten years, leasehold improvements for ten to fifteen years, computer equipment and data processing software for three to f ive years, and automobiles for five years.
Transfers Of Financial Assets	Transfers of Financial Assets Transfers of financial assets, including sales of loan participations, are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Advertising Costs	Advertising Costs The Company follows the policy of charging the costs of advertising to expense as incurred.
Income Taxes	Income Taxes Income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to taxable income. Deferred income taxes are provided on the liability method whereby deferred tax assets are recognized for deductible temporary differences and deferred tax liabilities are recognized for taxable temporary differences. Temporary differences are the differences between the reported amounts of assets and liabilities and net operating loss carry forwards and their tax basis. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion of the deferred tax assets will not be realized. Deferred tax assets and liabilities are adjusted for the effects of changes in tax laws and rates on the date of enactment.
Earnings Per Share	Earnings Per Share Basic earnings per share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during the period, as adjusted for stock dividends and splits. Diluted earnings per share reflect additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustments to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate solely to outstanding stock options and are determined using the treasury stock method. 2015 2014 (Dollars In Thousands, Except Per Share Data) Net income $ 7,409 $ 6,405 Weighted average shares outstanding 7,371 7,337 Dilutive effect of potential common shares, stock options 34 27 Diluted weighted average common shares outstanding 7,405 7,364 Basic earnings per share $ 1.01 $ 0.87 Diluted earnings per share $ 1.00 $ 0.87 There were no stock options not considered in computing diluted earnings per common share for the years ended December 31, 2015 and 2014.
Employee Benefit Plan	Employee Benefit Plan The Company has a 401(k) Plan (the “Plan”) for employees. All employees are eligible to participate after they have attained the age of 21 and have also completed 12 consecutive months of service during which at least 1,000 hours of service are completed. The employees may contribute up to the maximum percentage allowable by law of their compensation to the Plan, and the Company provides a match of fifty percent of the first 8% percent to eligible participating employees. Full vesting in the Plan is prorated equally over a four -year period. The Company’s contributions to the Plan for the years ended December 31, 2015 and 2014 were $ 1 39 thousand and $ 125 thousand , respectively.
Off-Balance Sheet Financial Instruments	Off-Balance Sheet Financial Instruments In the ordinary course of business, the Company has entered into off-balance sheet financial instruments consisting of commitments to extend credit and letters of credit. Such financial instruments are recorded in the balance sheet when they are funded.
Comprehensive Income	Comprehensive Income Accounting principles generally accepted in the United States of America require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities, are reported as a separate component of the equity section of the balance sheet, such items, along with net income, are components of comprehensiv e income. In accordance with Financial Accounting Standards Board (FASB) guidance, the Company has disclosed the components of comprehensive income in the accompanying consolidated statements of comprehensive income.
Segment Reporting	Segment Reporting The Company acts as an independent, community, financial services provider, and offers traditional banking and related financial services to individual, business and government customers. The Company offers a full array of commercial and retail financial services, including the taking of time, savings and demand deposits; the making of commercial, consumer and home equity loans; and the provision of other financial services. Management does not separately allocate expenses, including the cost of funding loan demand, between the commercial and retail operations of the Company. As such, discrete financial information is not available and segment reporting would not be meaningful.
Stock-Based Compensation	Stock-Based Compensation The Company applies the fair value recognition provisions of FASB Accounting Standards Codification ( ASC ) 718, Compensation-Stock Compensation. ASC 718 requires compensation costs related to share-based payment transactions to be recognized in the financial statements over the period that an employee provides service in exchange for the award based on the fair value of the award. The Black-Scholes model is used to estimate the fair value of stock options.
Subsequent Events	Subsequent Events The Company follows ASC Topic 855 Subsequent Events. This topic establishes general standards for accounting for and disclosure of events that occur after the balance sheet date but before financial statements are issued. The Company has evaluated events and transactions occurring subsequent to the balance sheet date of December 31, 2015 through the date these consolidated financial statements were available for issuance for items that should potentially be recognized or disclosed in these consolidated financial statements.
New Accounting Standards	New Accounting Standards In January 2014, the FASB issued an accounting standard update (ASU 2014-04) related to; Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40) Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. The update applies to all creditors who obtain physical possession of residential real estate property collateralizing a consumer mortgage loan in satisfaction of a receivable. The amendments in this update clarify when an in-substance repossession or foreclosure occurs and requires disclosure of both (1) the amount of foreclosed residential real estate property held by a creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The amendments in the update are effectiv e for public business entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2014. At December 31, 2015 the Company had $221 thousand in foreclosed residential real estate held. At December 31, 2014 the C ompany had no foreclosed residential real estate held. At December 31, 2015 and December 31, 2014 the Company had $529 thousand and $375 thousand, respectively, in recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure. In May 2014, the FASB issued ASU 2014-09 Revenue from Contracts with Customers (Topic 606) . ASU 2014-09 affects any entity using U.S. GAAP that either enters into contracts with customers to transfer goods or services or enters into contracts for the transfer of nonfinancial assets unless those contracts are within the scope of other standards (e.g., insurance contracts or lease contracts). This ASU will supersede the revenue recognition requirements in Topic 605, Revenue Recognition, and most industry-specific guidance. This ASU also supersedes some cost guidance included in Subtopic 605-35, Revenue Recognition—Construction-Type and Production-Type Contracts. In addition, the existing requirements for the recognition of a gain or loss on the transfer of nonfinancial assets that are not in a contract with a customer (e.g., assets within the scope of Topic 360, Property, Plant, and Equipment, and intangible assets within the scope of Topic 350, Intangibles—Goodwill and Other) are amended to be consistent with the guidance on recognition and measurement (including the constraint on revenue) in this ASU. The core principle of the guidance is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. To achieve that core principle, an entity should apply the following steps: Step 1: Identify the contract(s) with a customer. Step 2: Identify the performance obligations in the contract. Step 3: Determine the transaction price. Step 4: Allocate the transaction price to the performance obligations in the contract. Step 5: Recognize revenue when (or as) the entity satisfies a performance obligation. For a public business entity, the amendments in this ASU are effective for annual reporting periods beginning after December 15, 201 7 , including interim periods within that reporting period. Early application is not permitted. The Company is currently analyzing the impact of the guidance on its financial statements. An entity should apply the amendments in this ASU using one of the following two methods: Retrospectively to each prior reporting period presented and the entity may elect any of the following practical expedients: · For completed contracts, an entity need not restate contracts that begin and end within the same annual reporting period. · For completed contracts that have variable consideration, an entity may use the transaction price at the date the contract was completed rather than estimating variable consideration amounts in the comparative reporting periods. · For all reporting periods presented before the date of initial application, an entity need not disclose the amount of the transaction price allocated to remaining performance obligations and an explanation of when the entity expects to recognize that amount as revenue. Retrospectively with the cumulative effect of initially applying this ASU recognized at the date of initial application. If an entity elects this transition method it also should provide the additional disclosures in reporting periods that include the date of initial application of: · The amount by which each financial statement line item is affected in the current reporting period by the application of this ASU as compared to the guidance that was in effect before the change. · An explanation of the reasons for significant changes. Subsequent to December 31, 2015, the FASB issued Accounting Standard Update on accounting for Leases on February 25, 2016 – Accounting Standards Update 2016-02: Leases (Topic 842 ) . The main provisions call for all lease transactions (with terms in excess of 12 months) to be recorded on the balance sheet of the lessee. In general, this recognition will be measured by discounting to present value, using the interest rate implicit in the lease, the expected lease payments to be made over the life of the lease including lease escalators and options (if exercise is likely), as the lease liability. A right to use asset will then be recognized at the same amount as the lease liability. After initial measurement, the lease liability will be reduced based on the lease payments and the right to use asset will be amortized over the life of the lease, normally using the straight-line method. Upon adoption, the lessee will apply the new standard retrospectively to all periods presented or retrospectively using a cumulative effect adjustment in the year of adoption. The initial measurement of the lease liability will be based on the remaining terms of operating leases in effect at the date of adoption and the remaining expected lease payments, discounted using the lessees incremental borrowing rate at the date of initial application; with a corresponding right to use asset. For capital leases, the existing balance will be carried over under the new standard. The effective date for the new standard for public entities is for periods beginning after December 15, 2018. The Company is in the process of evaluating the effect this new standard will have on its consolidated financial statements.
Reclassification	Reclassification Certain amounts in the 2014 consolidated financial statements may have been reclassified to conform to 2015 presentation. These reclassifications had no effect on 2014 net income.

Securities Sold Under Agreeme29

Securities Sold Under Agreements To Repurchase (Policy)	12 Months Ended
	Dec. 31, 2015
Securities Sold Under Agreements To Repurchase [Abstract]
Securities Sold Under Agreements To Repurchase	Securities sold under agreements to repurchase generally mature within a few days from the transaction date and are reflected at the amount of cash received in connection with the transaction. The securities are retained under the Company’s control at its safekeeping agent. The Company adjusts collateral based on the fair value of the underlying securities, on a monthly basis.

Lease Commitments (Policy)

Lease Commitments (Policy)	12 Months Ended
	Dec. 31, 2015
Lease Commitments [Abstract]
Lease Policy	The Company leases its banking premises under leases which the Company classifies as operating leases. These leases expire at various dates through August 2025 . In addition to fixed rentals, the leases require the Company to pay certain additional expenses of occupying these spaces, including real estate taxes, insurance, utilities and repairs. A portion of these leases are with related parties as described below.

Summary Of Significant Accoun31

Summary Of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2015
Summary Of Significant Accounting Policies [Abstract]
Earnings Per Share	2015 2014 (Dollars In Thousands, Except Per Share Data) Net income $ 7,409 $ 6,405 Weighted average shares outstanding 7,371 7,337 Dilutive effect of potential common shares, stock options 34 27 Diluted weighted average common shares outstanding 7,405 7,364 Basic earnings per share $ 1.01 $ 0.87 Diluted earnings per share $ 1.00 $ 0.87

Securities Available For Sale (

Securities Available For Sale (Tables)	12 Months Ended
	Dec. 31, 2015
Securities Available For Sale [Abstract]
Amortized Cost And Fair Values Of Securities Available-For-Sale	Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) December 31, 2015 : U.S. Government agency obligations $ 34,676 $ 15 $ (121) $ 34,570 Municipal bonds 39,378 1,970 (144) 41,204 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential 1,327 152 - 1,479 Total $ 75,381 $ 2,137 $ (265) $ 77,253 December 31, 2014 : U.S. Government agency obligations $ 30,192 $ 46 $ (162) $ 30,076 Municipal bonds 36,618 2,023 (17) 38,624 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential 7,168 333 - 7,501 Corporate bonds 1,000 - (4) 996 Total $ 74,978 $ 2,402 $ (183) $ 77,197
Securities Available-For-Sale By Contractual Maturity	Amortized Fair Cost Value (In Thousands) Due in one year or less $ 5,077 $ 5,081 Due after one year through five years 34,361 34,330 Due after five years through ten years 19,152 19,940 Due after ten years 15,464 16,423 74,054 75,774 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential 1,327 1,479 $ 75,381 $ 77,253
Investments' Gross Unrealized Losses And Fair Value	Less Than 12 Months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses December 31, 2015 : (In Thousands) U.S. Government agency obligations $ 25,525 $ (121) $ - $ - $ 25,525 $ (121) Municipal bonds 6,180 (144) - - 6,180 (144) Total Temporarily Impaired Securities $ 31,705 $ (265) $ - $ - $ 31,705 $ (265) December 31, 2014 : U.S. Government agency obligations $ 11,074 $ (44) $ 9,959 $ (118) $ 21,033 $ (162) Municipal bonds 2,987 (17) - - 2,987 (17) Corporate Bonds 996 (4) - - 996 (4) Total Temporarily Impaired Securities $ 15,057 $ (65) $ 9,959 $ (118) $ 25,016 $ (183)

Loans Receivable (Tables)

Loans Receivable (Tables)	12 Months Ended
	Dec. 31, 2015
Loans Receivable [Abstract]
Composition Of Loans Receivable	2015 2014 (In Thousands) Commercial real estate $ 289,304 $ 249,454 Commercial construction 17,786 23,220 Commercial 34,955 34,182 Residential real estate 347,316 302,908 Consumer 745 972 Total Loans 690,106 610,736 Unearned net loan origination costs (fees) 9 (155) Allowance for Loan Losses (6,068) (5,614) $ 684,047 $ 604,967

Allowance For Loan Losses (Tabl

Allowance For Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2015
Allowance For Loan Losses [Abstract]
Changes In The Allowance For Loan Losses	2015 2014 Allowance for loan losses: (In Thousands) Balance, beginning $ 5,614 $ 5,326 Provision for loan losses 532 250 Loans charged off (88) (161) Recoveries 10 199 Balance at end of year $ 6,068 $ 5,614
Schedule Of Loan Portfolio By Aggregate Risk Rating	Pass Special Mention Substandard Doubtful Total December 31, 2015 (In Thousands) Commercial real estate $ 287,755 $ - $ 1,549 $ - $ 289,304 Commercial construction 16,971 - 815 - 17,786 Commercial 34,889 66 - - 34,955 Residential real estate 346,787 - 529 - 347,316 Consumer 745 - - - 745 Total $ 687,147 $ 66 $ 2,893 $ - $ 690,106 December 31, 2014 Commercial real estate $ 244,805 $ 1,989 $ 2,660 $ - $ 249,454 Commercial construction 21,844 - 1,376 - 23,220 Commercial 33,672 510 - - 34,182 Residential real estate 302,533 154 221 - 302,908 Consumer 972 - - - 972 Total $ 603,826 $ 2,653 $ 4,257 $ - $ 610,736
Schedule Of Impaired Loans	Year to Date Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized December 31, 2015 (In Thousands) With no related allowance recorded: Commercial real estate $ 3,644 $ 3,928 $ 3,672 $ 139 Commercial construction 815 815 1,096 38 Commercial - - - - Residential real estate 758 758 1,029 10 Consumer - - - - With an allowance recorded: Commercial real estate $ - $ - $ - $ 336 $ - Commercial construction - - - - - Commercial 321 321 115 323 10 Residential real estate 834 834 255 878 5 Consumer - - - - - Total: Commercial real estate $ 3,644 $ 3,928 $ - $ 4,008 $ 139 Commercial construction 815 815 - 1,096 38 Commercial 321 321 115 323 10 Residential real estate 1,592 1,592 255 1,907 15 Consumer - - - - - $ 6,372 $ 6,656 $ 370 $ 7,334 $ 202 December 31, 2014 With no related allowance recorded: Commercial real estate $ 4,649 $ 4,984 $ 5,729 $ 172 Commercial construction 1,376 1,376 2,197 78 Commercial 4 4 48 1 Residential real estate 413 431 488 8 Consumer - - - - With an allowance recorded: Commercial real estate $ 555 $ 555 $ 76 $ 575 $ 108 Commercial construction - - - - - Commercial 326 326 119 229 9 Residential real estate 858 858 202 925 15 Consumer - - - - - Total: Commercial real estate $ 5,204 $ 5,539 $ 76 $ 6,304 $ 280 Commercial construction 1,376 1,376 - 2,197 78 Commercial 330 330 119 277 10 Residential real estate 1,271 1,289 202 1,413 23 Consumer - - - - - $ 8,181 $ 8,534 $ 397 $ 10,191 $ 391
Schedule Of Nonaccrual Loans	2015 2014 (In Thousands) Commercial real estate $ 164 $ 1,251 Commercial construction - - Commercial 66 66 Residential real estate 529 366 Consumer - - Total $ 759 $ 1,683
Schedule Of Past Due Loans	30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Past Due Total Past Due Current Total Loan Receivables Loan Receivables > 90 Days and Accruing December 31, 2015 (In Thousands) Commercial real estate $ 219 $ - $ 164 $ 383 $ 288,921 $ 289,304 $ - Commercial construction 500 - - 500 17,286 17,786 - Commercial - - 66 66 34,889 34,955 - Residential real estate 159 76 529 764 346,552 347,316 - Consumer - - - - 745 745 - Total $ 878 $ 76 $ 759 $ 1,713 $ 688,393 $ 690,106 $ - December 31, 2014 Commercial real estate $ 1,018 $ 182 $ 937 $ 2,137 $ 247,317 $ 249,454 $ - Commercial construction 1,061 - - 1,061 22,159 23,220 - Commercial - - 66 66 34,116 34,182 - Residential real estate 540 154 366 1,060 301,848 302,908 - Consumer 25 - - 25 947 972 - Total $ 2,644 $ 336 $ 1,369 $ 4,349 $ 606,387 $ 610,736 $ -
Activity In Allowance For Loan Losses	Commercial Real Estate Commercial Construction Commercial Residential Real Estate Consumer Unallocated Total (In Thousands) Allowance for loan losses Year Ending December 31, 2015 Beginning Balance - December 31, 2014 $ 1,704 $ 401 $ 407 $ 1,955 $ 22 $ 1,125 $ 5,614 Charge-offs (60) - - (28) - - (88) Recoveries 10 - - - - - 10 Provisions 478 (107) (5) 602 7 (443) 532 Ending Balance - December 31, 2015 $ 2,132 $ 294 $ 402 $ 2,529 $ 29 $ 682 $ 6,068 Year Ending December 31, 2014 Beginning Balance - December 31, 2013 $ 1,791 $ 495 $ 349 $ 2,068 $ 24 $ 599 $ 5,326 Charge-offs (10) (50) (38) (63) - - (161) Recoveries - 198 1 - - - 199 Provisions (77) (242) 95 (50) (2) 526 250 Ending Balance - December 31, 2014 $ 1,704 $ 401 $ 407 $ 1,955 $ 22 $ 1,125 $ 5,614
Allowance For Credit Losses On Financing Receivables Based On Impairment Methodology	Commercial Real Estate Commercial Construction Commercial Residential Real Estate Consumer Unallocated Total (In Thousands) December 31, 2015 Allowance for Loan Losses Ending Balance $ 2,132 $ 294 $ 402 $ 2,529 $ 29 $ 682 $ 6,068 Ending balance: individually evaluated for impairment $ - $ - $ 115 $ 255 $ - $ - $ 370 Ending balance: collectively evaluated for impairment $ 2,132 $ 294 $ 287 $ 2,274 $ 29 $ 682 $ 5,698 Loans receivables: Ending balance $ 289,304 $ 17,786 $ 34,955 $ 347,316 $ 745 $ 690,106 Ending balance: individually evaluated for impairment $ 3,644 $ 815 $ 321 $ 1,592 $ - $ 6,372 Ending balance: collectively evaluated for impairment $ 285,660 $ 16,971 $ 34,634 $ 345,724 $ 745 $ 683,734 December 31, 2014 Allowance for Loan Losses Ending Balance $ 1,704 $ 401 $ 407 $ 1,955 $ 22 $ 1,125 $ 5,614 Ending balance: individually evaluated for impairment $ 76 $ - $ 119 $ 202 $ - $ - $ 397 Ending balance: collectively evaluated for impairment $ 1,628 $ 401 $ 288 $ 1,753 $ 22 $ 1,125 $ 5,217 Loans receivables: Ending balance $ 249,454 $ 23,220 $ 34,182 $ 302,908 $ 972 $ 610,736 Ending balance: individually evaluated for impairment $ 5,204 $ 1,376 $ 330 $ 1,271 $ - $ 8,181 Ending balance: collectively evaluated for impairment $ 244,250 $ 21,844 $ 33,852 $ 301,637 $ 972 $ 602,555
Troubled Debt Restructuring Outstanding	December 31, 2015 Accrual Loans Non-Accrual Loans Total Modifications (In Thousands) Commercial real estate $ 3,145 $ - $ 3,145 Commercial construction 260 - 260 Commercial 255 - 255 Residential real estate 1,063 - 1,063 Consumer - - - $ 4,723 $ - $ 4,723 December 31, 2014 Accrual Loans Non-Accrual Loans Total Modifications (In Thousands) Commercial real estate $ 3,401 $ 314 $ 3,715 Commercial construction 260 - 260 Commercial 264 - 264 Residential real estate 1,050 - 1,050 Consumer - - - $ 4,975 $ 314 $ 5,289
Schedule Of Newly Restructured Loans	Number of Loans Pre-Modification Outstanding Balance Post- Modification Outstanding Balance (Dollars In Thousands) Year Ending December 31, 2015 Residential real estate 1 $ 142 $ 142 1 $ 142 $ 142 Year Ending December 31, 2014 Commercial 1 $ 262 $ 260 1 $ 262 $ 260

Bank Premises And Equipment (Ta

Bank Premises And Equipment (Tables)	12 Months Ended
	Dec. 31, 2015
Bank Premises And Equipment [Abstract]
Components Of Premises And Equipment	2015 2014 (In Thousands) Furniture, fixtures and equipment $ 2,710 $ 2,499 Leasehold improvements 2,715 2,225 Computer equipment and data processing software 2,303 1,756 Automobiles 182 166 Construction in progress 56 - 7,966 6,646 Accumulated depreciation (5,708) (5,131) $ 2,258 $ 1,515

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2015
Deposits [Abstract]
Components Of Deposits	December 31, December 31, 2015 2014 (In Thousands) Demand, non-interest bearing $ 89,959 $ 68,467 Demand, NOW and money market, interest bearing 67,402 63,263 Savings 406,361 405,964 Time, $100 and over 59,533 42,122 Time, other 37,011 31,852 Total deposits $ 660,266 $ 611,668
Scheduled Maturities Of Time Deposits	2016 $ 52,441 2017 12,772 2018 17,750 2019 7,465 2020 6,116 $ 96,544

Securities Sold Under Agreeme37

Securities Sold Under Agreements To Repurchase (Tables)	12 Months Ended
	Dec. 31, 2015
Securities Sold Under Agreements To Repurchase [Abstract]
Schedule Of Securities Sold Under Agreements To Repurchase	2015 2014 (Dollars In Thousands) Balance outstanding at December 31 $ 27,535 $ 30,304 Weighted average interest rate at the end of the year 0.058 % 0.065 % Average daily balance during the year $ 32,336 $ 30,597 Weighted average interest rate during the year 0.054 % 0.056 % Maximum month-end balance during the year $ 34,156 $ 31,923

Short-Term And Long-Term Borr38

Short-Term And Long-Term Borrowings (Tables)	12 Months Ended
	Dec. 31, 2015
Federal Home Loan Bank [Member]
Short-term Debt [Line Items]
Components Of Long-Term Borrowings	2015 (Dollars in Thousands) Maturity Date Interest Rate Outstanding April 2016 0.26% $ 667 April 2017 0.48% 668 April 2018 0.69% 779 April 2019 0.88% 836 April 2020 1.06% 870 Total Outstanding Borrowings $ 3,820
Univest Bank and Trust Co. Borrowings [Member]
Short-term Debt [Line Items]
Components Of Long-Term Borrowings	2014 (Dollars in Thousands) Maturity Date Interest Rate Outstanding November 2015, repaid 7.50% $ 1,900

Lease Commitments (Tables)

Lease Commitments (Tables)	12 Months Ended
	Dec. 31, 2015
Lease Commitments [Abstract]
Schedule Of Future Minimum Lease Payments	Related Parties Third Parties Total (In Thousands) 2016 418 855 1,273 2017 108 881 989 2018 46 902 948 2019 46 654 700 2020 46 130 176 Thereafter 11 - 11 $ 675 $ 3,422 $ 4,097

Stock Incentive Plan (Tables)

Stock Incentive Plan (Tables)	12 Months Ended
	Dec. 31, 2015
Stock Incentive Plan [Abstract]
Summary of Non-Vested Stock Awards	Restricted Stock Awards Weighted Average Grant Date Fair Value Non-Vested at December 31, 2013 - $ - Granted 10,209 7.51 Vested (10,209) 7.51 Non-Vested at December 31, 2014 - $ - Granted 32,875 10.83 Vested (9,122) 10.55 Non-Vested at December 31, 2015 23,753 $ 10.94
Schedule Of Stock Options Activity Under The Plans	Number of Options Weighted Average Exercise Price Outstanding, December 31, 2013 149,692 $ 8.35 Granted 29,663 7.51 Exercised (33,874) 10.00 Forfeited (33,465) 10.00 Outstanding, December 31, 2014 112,016 $ 7.14 Granted - - Exercised - - Forfeited - - Outstanding, December 31, 2015 112,016 $ 7.14 Exercisable, December 31, 2015 82,327 $ 7.06
Schedule Of Stock Options Outstanding By Exercise Price Range	Range of Exercise Price Weighted Average Exercise Price Number Outstanding Weighted Average Remaining Contractual Life (Years) Number Exercisable $6.56 to $7.66 $ 7.14 112,016 5.91 82,327 112,016 5.91 82,327

Other Comprehensive Income (L41

Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2015
Other Comprehensive Income (Loss) [Abstract]
Schedule of Comprehensive Income (Loss)	Year Ended December 31, 2015 2014 (In Thousands) Before Tax Net of Before Tax Net of Tax Effect Tax Tax Effect Tax Change in accumulated other comprehensive income: Unrealized holding (losses) gains on securities available for sale $ (182) $ 62 $ (120) $ 1,434 $ (484) $ 950 Reclassification adjustments for gains on securities transactions included in net income (A),(B) (165) 56 (109) (33) 8 (25) Total other comprehensive (loss) income $ (347) $ 118 $ (229) $ 1,401 $ (476) $ 925 (A) Realized gains on securities transactions included in gain on sales of securities, net, in the accompanying Consolidated Statements of Income. (B) Tax effect included in income tax expense in the accompanying Consolidated Statements of Income.
Schedule of The Realized Gains On Securities Available For Sale, Net Of Tax	Year Ended December 31, 2015 2014 (In Thousands) Securities available for sale: Realized gains on securities transactions $ (165) $ (33) Income taxes 56 8 Net of tax $ (109) $ (25)
Schedule of Accumulated Other Comprehensive Income	Securities Available for Sale (In Thousands) Year Ended December 31, 2015 and 2014 Balance January 1, 2015 $ 1,465 Other comprehensive loss before reclassifications (120) Amounts reclassified from accumulated other comprehensive income (109) Net other comprehensive loss during the period (229) Balance December 31, 2015 $ 1,236 Balance January 1, 2014 $ 540 Other comprehensive income before reclassifications 950 Amounts reclassified from accumulated other comprehensive income (25) Net other comprehensive income during the period 925 Balance December 31, 2014 $ 1,465

Federal Income Taxes (Tables)

Federal Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2015
Federal Income Taxes [Abstract]
Components Of Income Tax Expense	2015 2014 (In Thousands) Current $ 2,981 $ 2,939 Deferred (33) (460) $ 2,948 $ 2,479
Reconciliation Of The Statutory Federal Income Tax	2015 2014 (In Thousands) Federal income tax at statutory rate $ 3,521 $ 3,021 Tax free interest (518) (510) Other (55) (32) $ 2,948 $ 2,479
Components Of The Net Deferred Tax Asset	2015 2014 (In Thousands) Deferred tax assets: Allowance for loan losses $ 2,063 $ 1,909 Accrued SERP 1,159 1,031 Other 406 502 Total Deferred Tax Assets 3,628 3,442 Deferred tax liabilities: Premises and equipment 25 - Prepaid assets 320 303 Non-qualified stock awards 3 - Deferred loan costs 481 373 Unrealized gain on securities available for sale 636 754 Total Deferred Tax Liabilities $ 1,465 $ 1,430 Net Deferred Tax Asset $ 2,163 $ 2,012

Financial Instruments With Of43

Financial Instruments With Off-Balance Sheet Risk (Tables)	12 Months Ended
	Dec. 31, 2015
Financial Instruments With Off-Balance Sheet Risk [Abstract]
Outstanding Financial Instruments Whose Contract Amounts Represent Credit Risk	2015 2014 (In Thousands) Commitments to grant loans, fixed $ 5,745 $ 5,696 Commitments to grant loans, variable - 200 Unfunded commitments under lines of credit, fixed 22,679 14,921 Unfunded commitments under lines of credit, variable 65,142 57,310 Standby letters of credit 3,857 4,417 $ 97,423 $ 82,544

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2015
Regulatory Matters [Abstract]
Schedule Of Actual Capital Amounts And Ratios	The Bank’s actual capital amounts and ratios at December 31, 2015 and 2014 are presented below: Actual For Capital Adequacy Purposes To be Well Capitalized under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio (Dollar Amounts in Thousands) December 31, 2015: Total capital (to risk-weighted assets) $ 72,880 12.6 % $ ≥ 46,377 ≥ 8.0 % $ ≥ 57,971 ≥ 10.0 % Tier 1 common capital (to risk-weighted assets) 66,812 11.5 ≥ 26,087 ≥ 4.5 ≥ 37,681 ≥ 6.5 Tier 1 capital (to risk-weighted assets) 66,812 11.5 ≥ 34,783 ≥ 6.0 ≥ 46,377 ≥ 8.0 Tier 1 capital (to average assets) 66,812 8.4 ≥ 31,948 ≥ 4.0 ≥ 39,935 ≥ 5.0 December 31, 2014: Total capital (to risk-weighted assets) $ 67,124 13.5 % $ ≥ 39,849 ≥ 8.0 % $ ≥ 49,811 ≥ 10.0 % Tier 1 capital (to risk-weighted assets) 61,510 12.4 ≥ 19,925 ≥ 4.0 ≥ 29,887 ≥ 6.0 Tier 1 capital (to average assets) 61,510 8.5 ≥ 28,846 ≥ 4.0 ≥ 36,057 ≥ 5.0 The Company’s actual capital amounts and ratios at December 31, 2015 and 2014 are presented below: Actual For Capital Adequacy Purposes Amount Ratio Amount Ratio (Dollar Amounts in Thousands) December 31, 2015: Total capital (to risk-weighted assets) $ 72,933 12.6 % $ ≥ 46,378 ≥ 8.0 % Tier 1 common capital (to risk-weighted assets) 66,865 11.5 ≥ 26,088 ≥ 4.5 Tier 1 capital (to risk-weighted assets) 66,865 11.5 ≥ 34,784 ≥ 6.0 Tier 1 capital (to average assets) 66,865 8.3 ≥ 32,231 ≥ 4.0 December 31, 2014: Total capital (to risk-weighted assets) $ 65,482 13.2 % $ ≥ 39,851 ≥ 8.0 % Tier 1 capital (to risk-weighted assets) 59,868 12.0 ≥ 19,926 ≥ 4.0 Tier 1 capital (to average assets) 59,868 8.2 ≥ 29,092 ≥ 4.0

Offsetting Assets And Liabili45

Offsetting Assets And Liabilities (Tables)	12 Months Ended
	Dec. 31, 2015
Offsetting Assets And Liabilities [Abstract]
Schedule Of Liabilities Subject To An Enforceable Master Netting Arrangement Or Repurchase Agreements	Net Amounts Gross Gross Amounts of Liabilities Amounts of Offset in the Presented in the Recognized Consolidated Consolidated Financial Cash Collateral Liabilities Balance Sheet Balance Sheet Instruments Pledged Net Amount (In Thousands) December 31, 2015 Repurchase Agreements: Corporate Institutions $ 27,535 $ - $ 27,535 $ (27,535) $ - $ - December 31, 2014 Repurchase Agreements: Corporate Institutions $ 30,304 $ - $ 30,304 $ (30,304) $ - $ -

Fair Value Of Financial Instr46

Fair Value Of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2015
Fair Value Of Financial Instruments [Abstract]
Fair Value of Financial Assets Measured on Recurring Basis	Description (Level 1) Quoted Prices in Active Markets for Identical Assets (Level 2) Significant Other Observable Inputs (Level 3) Significant Unobservable Inputs Total (In Thousands) U.S. Government agency obligations $ - $ 34,570 $ - $ 34,570 Municipal bonds - 41,204 - 41,204 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential - 1,479 - 1,479 December 31, 2015 Securities available for sale $ - $ 77,253 $ - $ 77,253 U.S. Government agency obligations $ - $ 30,076 $ - $ 30,076 Municipal bonds - 38,624 - 38,624 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential - 7,501 - 7,501 Corporate bonds - 996 - 996 December 31, 2014 Securities available for sale $ - $ 77,197 $ - $ 77,197
Fair Value of Financial Assets Measured on Nonrecurring Basis	Description (Level 1) Quoted Prices in Active Markets for Identical Assets (Level 2) Significant Other Observable Inputs (Level 3) Significant Unobservable Inputs Total (In Thousands) December 31, 2015 Impaired loans (1) $ - $ - $ 785 $ 785 December 31, 2015 Impaired loans (2) $ - $ - $ - $ - December 31, 2015 Other real estate owned (1) $ - $ - $ 1,224 $ 1,224 December 31, 2014 Impaired loans (1) $ - $ - $ 863 $ 863 December 31, 2014 Impaired loans (2) $ - $ - $ 479 $ 479 December 31, 2014 Other real estate owned (1) $ - $ - $ 1,106 $ 1,106 (1) Fair Value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 input which are not identifiable. Fair values may also include qualitative adjustments by management based on economic conditions and liquidation expenses. (2) Fair Value determined using the debt service of the borrower.
Quantitative Information About Level 3 Fair Value Measurements	Quantitative Information about Level 3 Fair Value Measurements Description Fair Value Estimate Valuation Techniques Unobservable Input Range (Weighted Average) (Dollars In Thousands) December 31, 2015: Impaired loans $ 785 Appraisal of collateral (1) Appraisal adjustments (2) 0 % to -25% ( -25.0% ) Liquidation expenses (3) 0% to -7.5% ( -7.5% ) Impaired loans $ - Discounted Cash Flows (5) Other real estate owned $ 1,224 Listings, Letters of Intent & Third Party Evaluations (4) Liquidation expenses (3) -5% ( -5% ) December 31, 2014: Impaired loans $ 863 Appraisal of collateral (1) Appraisal adjustments (2) 0% to -25% ( -17.6% ) Liquidation expenses (3) 0% to -8.5% ( -8.2% ) Impaired loans $ 479 Discounted Cash Flows (5) Other real estate owned $ 1,106 Listings, Letters of Intent & Third Party Evaluations (4) Liquidation expenses (3) -5% ( -5% ) (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are not identifiable. (2) Appraisals may be adjusted by management for qualitative factors including economic conditions and the age of the appraisal. The range and weighted average of appraisal adjustments are presented as a percent of the appraisal. (3) Appraisals and pending agreements of sale are adjusted by management for liquidation expenses. The range and weighted average of liquidation expense adjustments are presented as a percent of the appraisal or pending agreement of sale. (4) Fair value is determined by listings, letters of intent or third-party evaluations. (5) Fair value is determined using the debt service of the borrower.
Estimated Fair Value Of Financial Instruments	Carrying Amount Fair Value Estimate (Level 1) Quoted Prices in Active Markets for Identical Assets (Level 2) Significant Other Observable Inputs (Level 3) Significant Unobservable Inputs (In Thousands) December 31, 2015: Financial assets: Cash and cash equivalents $ 19,526 $ 19,527 $ 19,527 $ - $ - Interest bearing time deposits - - - Securities available-for-sale 77,253 77,253 - 77,253 - Loans receivable, net of allowance 684,047 688,645 - - 688,645 Restricted investments in bank stock 2,178 2,178 - 2,178 - Accrued interest receivable 1,637 1,637 - 1,637 - Financial liabilities: Deposits 660,266 639,677 - 639,677 - Securities sold under agreements to repurchase and federal funds purchased 27,535 27,529 - 27,529 - Short-term borrowings 39,306 39,273 - 39,273 - Long-term borrowings 3,820 3,740 - - 3,740 Accrued interest payable 462 462 - 462 - Off-balance sheet financial instruments: Commitments to grant loans - - - - - Unfunded commitments under lines of credit - - - - - Standby letters of credit - - - - - December 31, 2014: Financial assets: Cash and cash equivalents $ 16,390 $ 16,390 $ 16,390 $ - $ - Interest bearing time deposits 250 251 - 251 - Securities available-for-sale 77,197 77,197 - 77,197 - Loans receivable, net of allowance 604,697 611,256 - - 611,256 Restricted investments in bank stock 784 784 - 784 - Accrued interest receivable 1,599 1,599 - 1,599 - Financial liabilities: Deposits 611,668 611,975 - 611,975 - Securities sold under agreements to repurchase and federal funds purchased 30,304 30,302 - 30,302 - Short-term borrowings 9,000 9,000 9,000 Long-term borrowings 1,900 1,877 - - 1,877 Accrued interest payable 349 349 - 349 - Off-balance sheet financial instruments: Commitments to grant loans - - - - - Unfunded commitments under lines of credit - - - - - Standby letters of credit - - - - -

Parent Company Only Financial (

Parent Company Only Financial (Tables)	12 Months Ended
	Dec. 31, 2015
Parent Company Only Financial [Abstract]
Parent Company Only Condensed Balance Sheets	As of December 31, 2015 2014 (In Thousands) ASSETS Cash $ 209 $ 410 Other assets 19 26 Investment in subsidiary 68,046 62,972 Total Assets $ 68,274 $ 63,408 LIABILITIES AND STOCKHOLDERS’ EQUITY Long-term borrowings $ - $ 1,900 Other liabilities 174 178 Stockholders’ equity 68,100 61,330 Total Liabilities and Stockholders’ Equity $ 68,274 $ 63,408
Parent Company Only Condensed Statements Of Income And Comprehensive Income	Years Ending December 31, 2015 2014 (In Thousands) Interest expense on borrowings $ (83) $ (258) Other expenses (291) (291) Equity in net income of banking subsidiary 7,665 6,776 Income before income taxes 7,291 6,227 Income tax benefit 118 178 Net income $ 7,409 $ 6,405 Equity in other comprehensive (loss) gain of banking subsidiary (229) 925 Comprehensive income $ 7,180 $ 7,330
Parent Company Only Condensed Statement Of Cash Flows	Years Ending December 31, 2015 2014 (In Thousands) Cash Flows from Operating Activities : Net income $ 7,409 $ 6,405 Adjustments to reconcile net income to net cash provided by operating activities: Net change in other assets and liabilities 3 (1) Equity in net income of banking subsidiary (7,665) (6,776) Net Cash Used in Operating Activities (253) (372) Cash Flows from Investing Activities: Dividend from banking subsidiary 2,412 2,185 Net Cash Provided by Investing Activities 2,412 2,185 Cash Flows from Financing Activities: Repayment of long-term borrowings (1,900) (2,000) Exercise of stock options, net of payment stock tendered and proceeds from DRIP 276 288 Dividends Paid (736) (440) Net Cash Used in Financing Activities (2,360) (2,152) Net Decrease in Cash (201) (339) Cash – Beginning 410 749 Cash - Ending $ 209 $ 410

Summary Of Significant Accoun48

Summary Of Significant Accounting Policies (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Summary Of Significant Accounting Policies [Line Items]
Other-than-temporary impairment charges	$ 0	$ 0
Antidilutive securities excluded from computation of diluted earnings per share	0	0
Employer's matching percentage of employee contribution	50.00%
Percentage of employee gross pay for which employer contributes a matching contribution	8.00%
Plan vesting period	4 years
Employer contributions	$ 139	$ 125
Residential Real Estate [Member]
Summary Of Significant Accounting Policies [Line Items]
Foreclosed residential real estate held	221
Consumer [Member]
Summary Of Significant Accounting Policies [Line Items]
Properties in process of foreclosure	$ 529	375
Automobiles [Member]
Summary Of Significant Accounting Policies [Line Items]
Useful life of an asset	5 years
Minimum [Member]
Summary Of Significant Accounting Policies [Line Items]
Required consecutive service period for the plan participation eligibility	12 months
Required service hours for the plan participation eligibility	1000 hours
Minimum [Member] | Furniture, fixtures and equipment [Member]
Summary Of Significant Accounting Policies [Line Items]
Useful life of an asset	5 years
Minimum [Member] | Leasehold improvements [Member]
Summary Of Significant Accounting Policies [Line Items]
Useful life of an asset	10 years
Minimum [Member] | Computer equipment and data processing software [Member]
Summary Of Significant Accounting Policies [Line Items]
Useful life of an asset	3 years
Maximum [Member] | Commercial Real Estate [Member]
Summary Of Significant Accounting Policies [Line Items]
Loan to value percentage	80.00%
Maximum [Member] | Residential Real Estate [Member]
Summary Of Significant Accounting Policies [Line Items]
Loans amortization period	30 years
Maximum [Member] | Furniture, fixtures and equipment [Member]
Summary Of Significant Accounting Policies [Line Items]
Useful life of an asset	10 years
Maximum [Member] | Leasehold improvements [Member]
Summary Of Significant Accounting Policies [Line Items]
Useful life of an asset	15 years
Maximum [Member] | Computer equipment and data processing software [Member]
Summary Of Significant Accounting Policies [Line Items]
Useful life of an asset	5 years
Home Equity Loan [Member] | Maximum [Member]
Summary Of Significant Accounting Policies [Line Items]
Loans amortization period	25 years
Federal Home Loan Bank Certificates and Obligations (FHLB) [Member]
Summary Of Significant Accounting Policies [Line Items]
Other interest and dividend income	$ 113	$ 57

Summary Of Significant Accoun49

Summary Of Significant Accounting Policies (Earnings Per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Summary Of Significant Accounting Policies [Abstract]
Net income	$ 7,409	$ 6,405
Weighted average shares outstanding	7,371	7,337
Dilutive effect of potential common shares, stock options	34	27
Diluted weighted average common shares outstanding	7,405	7,364
Basic earnings per share	$ 1.01	$ 0.87
Diluted earnings per share	$ 1	$ 0.87

Securities Available For Sale50

Securities Available For Sale (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)security	Dec. 31, 2014USD ($)
Securities Available For Sale [Abstract]
Realized gains	$ 165	$ 33,000
Realized losses	$ 0	0
Securities in an unrealized loss position | security	30
Securities pledged as collateral	$ 64,900	$ 62,700
Description of the securities in unrealized loss position	The Company had thirty (30) securities in an unrealized loss position at December 31, 2015. Unrealized losses are due only to market rate fluctuations. As of December 31, 2015, the Company either has the intent and ability to hold the securities until maturity or market price recovery, or believes that it is more likely than not that it will not be required to sell such securities. Management believes that the unrealized loss only represents temporary impairment of the securities. None of the individual losses are significant.

Securities Available For Sale51

Securities Available For Sale (Amortized Cost And Fair Values Of Securities Available-For-Sale) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost, Total	$ 75,381	$ 74,978
Gross Unrealized Gains	2,137	2,402
Gross Unrealized Losses	(265)	(183)
Fair Value	77,253	77,197
U.S Government Agency Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost, Total	34,676	30,192
Gross Unrealized Gains	15	46
Gross Unrealized Losses	(121)	(162)
Fair Value	34,570	30,076
Municipal Bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost, Total	39,378	36,618
Gross Unrealized Gains	1,970	2,023
Gross Unrealized Losses	(144)	(17)
Fair Value	41,204	38,624
U.S. GSE - Mortgage-Backed Securities - Residential [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost, Total	1,327	7,168
Gross Unrealized Gains	152	333
Fair Value	$ 1,479	7,501
Corporate Bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost, Total		1,000
Gross Unrealized Losses		(4)
Fair Value		$ 996

Securities Available For Sale52

Securities Available For Sale (Securities Available-For-Sale by Contractual Maturity) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Securities Available For Sale [Abstract]
Amortized Cost, Due in one year or less	$ 5,077
Amortized Cost, Due after one year through five years	34,361
Amortized Cost, Due after five years through ten years	19,152
Amortized Cost, Due after ten years	15,464
Amortized Cost, Debt Maturities, Total	74,054
Amortized Cost, U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential	1,327
Amortized Cost, Total	75,381	$ 74,978
Fair Value, Due in one year or less	5,081
Fair Value, Due after one year through five years	34,330
Fair Value, Due after five years through ten years	19,940
Fair Value, Due after ten years	16,423
Fair Value, Debt maturities, Total	75,774
Fair Value, U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential	1,479
Fair Value, Total	$ 77,253	$ 77,197

Securities Available For Sale53

Securities Available For Sale (Investments' Gross Unrealized Losses and Fair Value) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less Than 12 Months	$ 31,705	$ 15,057
Fair Value, 12 Months or More		9,959
Fair Value, Total	31,705	25,016
Unrealized Losses, Less Than 12 Months	(265)	(65)
Unrealized Losses, 12 Months or More		(118)
Unrealized Losses	(265)	(183)
U.S Government Agency Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less Than 12 Months	25,525	11,074
Fair Value, 12 Months or More		9,959
Fair Value, Total	25,525	21,033
Unrealized Losses, Less Than 12 Months	(121)	(44)
Unrealized Losses, 12 Months or More		(118)
Unrealized Losses	(121)	(162)
Municipal Bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less Than 12 Months	6,180	2,987
Fair Value, Total	6,180	2,987
Unrealized Losses, Less Than 12 Months	(144)	(17)
Unrealized Losses	$ (144)	(17)
Corporate Bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less Than 12 Months		996
Fair Value, Total		996
Unrealized Losses, Less Than 12 Months		(4)
Unrealized Losses		$ (4)

Loans Receivable And Credit Qua

Loans Receivable And Credit Quality (Composition Of Loans Receivable) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 690,106	$ 610,736
Unearned net loan origination costs (fees)	9	(155)
Allowance for loan losses	(6,068)	(5,614)
Net Loans Receivable	684,047	604,967
Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	289,304	249,454
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	34,955	34,182
Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	347,316	302,908
Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	745	972
Construction [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 17,786	$ 23,220

Allowance For Loan Losses (Narr

Allowance For Loan Losses (Narrative) (Details)	12 Months Ended
	Dec. 31, 2015USD ($)loan	Dec. 31, 2014USD ($)loan
Allowance For Loan Losses [Abstract]
Number of loans with impairment reserve | loan		1
Allowance for TDR | $		$ 53,000
Outstanding commitments on TDRs | $	$ 0	$ 0
Number of Loans experiencing payment default | loan	0

Allowance For Loan Losses (Chan

Allowance For Loan Losses (Changes In Allowance For Loan Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Allowance For Loan Losses [Abstract]
Beginning balance	$ 5,614	$ 5,326
Provision For Loan Losses	532	250
Loans charged off	(88)	(161)
Recoveries	10	199
Ending balance	$ 6,068	$ 5,614

Allowance For Loan Losses (Sche

Allowance For Loan Losses (Schedule Of Loan Portfolio By Aggregate Risk Rating) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	$ 690,106	$ 610,736
Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	687,147	603,826
Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	66	2,653
Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	2,893	4,257
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	289,304	249,454
Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	287,755	244,805
Commercial Real Estate [Member] | Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross		1,989
Commercial Real Estate [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	1,549	2,660
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	34,955	34,182
Commercial [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	34,889	33,672
Commercial [Member] | Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	66	510
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	347,316	302,908
Residential Real Estate [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	346,787	302,533
Residential Real Estate [Member] | Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross		154
Residential Real Estate [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	529	221
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	745	972
Consumer [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	745	972
Construction [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	17,786	23,220
Construction [Member] | Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	16,971	21,844
Construction [Member] | Commercial Real Estate [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	$ 815	$ 1,376

Allowance For Loan Losses (Sc58

Allowance For Loan Losses (Schedule Of Impaired Loans) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Impaired [Line Items]
Impaired loans without related allowance	$ 5,200
Impaired loans with related allowance	1,200
Total Recorded Investment Impaired	6,372	$ 8,181
Total Unpaid Principal Balance Impaired	6,656	8,534
Related Allowance	370	397
Total Average Recorded Investment Impaired	7,334	10,191
Total Interest Income Recognized Impaired	202	391
Commercial Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans without related allowance	3,644	4,649
Impaired loans with related allowance		555
Total Recorded Investment Impaired	3,644	5,204
Unpaid Principal Balance, With no related allowance recorded	3,928	4,984
Unpaid Principal Balance, With an allowance recorded		555
Total Unpaid Principal Balance Impaired	3,928	5,539
Related Allowance		76
Average Recorded Investment, With no related allowance recorded	3,672	5,729
Average Recorded Investment, With an allowance recorded	336	575
Total Average Recorded Investment Impaired	4,008	6,304
Interest Income Recognized, With no related allowance recorded	139	172
Interest Income Recognized, With an allowance recorded		108
Total Interest Income Recognized Impaired	139	280
Commercial [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans without related allowance		4
Impaired loans with related allowance	321	326
Total Recorded Investment Impaired	321	330
Unpaid Principal Balance, With no related allowance recorded		4
Unpaid Principal Balance, With an allowance recorded	321	326
Total Unpaid Principal Balance Impaired	321	330
Related Allowance	115	119
Average Recorded Investment, With no related allowance recorded		48
Average Recorded Investment, With an allowance recorded	323	229
Total Average Recorded Investment Impaired	323	277
Interest Income Recognized, With no related allowance recorded		1
Interest Income Recognized, With an allowance recorded	10	9
Total Interest Income Recognized Impaired	10	10
Residential Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans without related allowance	758	413
Impaired loans with related allowance	834	858
Total Recorded Investment Impaired	1,592	1,271
Unpaid Principal Balance, With no related allowance recorded	758	431
Unpaid Principal Balance, With an allowance recorded	834	858
Total Unpaid Principal Balance Impaired	1,592	1,289
Related Allowance	255	202
Average Recorded Investment, With no related allowance recorded	1,029	488
Average Recorded Investment, With an allowance recorded	878	925
Total Average Recorded Investment Impaired	1,907	1,413
Interest Income Recognized, With no related allowance recorded	10	8
Interest Income Recognized, With an allowance recorded	5	15
Total Interest Income Recognized Impaired	15	23
Construction [Member] | Commercial Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans without related allowance	815	1,376
Total Recorded Investment Impaired	815	1,376
Unpaid Principal Balance, With no related allowance recorded	815	1,376
Total Unpaid Principal Balance Impaired	815	1,376
Average Recorded Investment, With no related allowance recorded	1,096	2,197
Total Average Recorded Investment Impaired	1,096	2,197
Interest Income Recognized, With no related allowance recorded	38	78
Total Interest Income Recognized Impaired	$ 38	$ 78

Allowance For Loan Losses (Sc59

Allowance For Loan Losses (Schedule Of Nonaccrual Loans) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-Accrual Loans	$ 759	$ 1,683
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-Accrual Loans	$ 164	$ 1,251
Commercial Real Estate [Member] | Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-Accrual Loans
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-Accrual Loans	$ 66	$ 66
Residential Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-Accrual Loans	$ 529	$ 366
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-Accrual Loans

Allowance For Loan Losses (Sc60

Allowance For Loan Losses (Schedule Of Past Due Loans) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 1,713	$ 4,349
Current	688,393	606,387
Total Loan Receivables	690,106	610,736
30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	878	2,644
60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	76	336
Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	759	1,369
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	383	2,137
Current	288,921	247,317
Total Loan Receivables	289,304	249,454
Commercial Real Estate [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	219	1,018
Commercial Real Estate [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		182
Commercial Real Estate [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	164	937
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	66	66
Current	34,889	34,116
Total Loan Receivables	34,955	34,182
Commercial [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	66	66
Residential Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	764	1,060
Current	346,552	301,848
Total Loan Receivables	347,316	302,908
Residential Real Estate [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	159	540
Residential Real Estate [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	76	154
Residential Real Estate [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	529	366
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		25
Current	745	947
Total Loan Receivables	745	972
Consumer [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		25
Construction [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	500	1,061
Current	17,286	22,159
Total Loan Receivables	17,786	23,220
Construction [Member] | Commercial Real Estate [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 500	$ 1,061

Allowance For Loan Losses (Acti

Allowance For Loan Losses (Activity In Allowance For Loan Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	$ 5,614	$ 5,326
Charge-offs	(88)	(161)
Recoveries	10	199
Provisions	532	250
Ending balance	6,068	5,614
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	1,704	1,791
Charge-offs	(60)	(10)
Recoveries	10
Provisions	478	(77)
Ending balance	2,132	1,704
Commercial Real Estate [Member] | Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	401	495
Charge-offs		(50)
Recoveries		198
Provisions	(107)	(242)
Ending balance	294	401
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	407	349
Charge-offs		(38)
Recoveries		1
Provisions	(5)	95
Ending balance	402	407
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	1,955	2,068
Charge-offs	(28)	(63)
Provisions	602	(50)
Ending balance	2,529	1,955
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	22	24
Provisions	7	(2)
Ending balance	29	22
Unallocated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	1,125	599
Provisions	(443)	526
Ending balance	$ 682	$ 1,125

Allowance For Loan Losses (Allo

Allowance For Loan Losses (Allowance For Credit Losses On Financing Receivables Based On Impairment Methodology) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	$ 6,068	$ 5,614	$ 5,326
Allowance for Loan Losses, Ending balance: individually evaluated for impairment	370	397
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	5,698	5,217
Total Loan Receivables	690,106	610,736
Loans receivables, Ending balance: individually evaluated for impairment	6,372	8,181
Loans receivables, Ending balance: collectively evaluated for impairment	683,734	602,555
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	2,132	1,704	1,791
Allowance for Loan Losses, Ending balance: individually evaluated for impairment		76
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	2,132	1,628
Total Loan Receivables	289,304	249,454
Loans receivables, Ending balance: individually evaluated for impairment	3,644	5,204
Loans receivables, Ending balance: collectively evaluated for impairment	285,660	244,250
Commercial Real Estate [Member] | Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	294	401	495
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	294	401
Total Loan Receivables	17,786	23,220
Loans receivables, Ending balance: individually evaluated for impairment	815	1,376
Loans receivables, Ending balance: collectively evaluated for impairment	16,971	21,844
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	402	407	349
Allowance for Loan Losses, Ending balance: individually evaluated for impairment	115	119
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	287	288
Total Loan Receivables	34,955	34,182
Loans receivables, Ending balance: individually evaluated for impairment	321	330
Loans receivables, Ending balance: collectively evaluated for impairment	34,634	33,852
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	2,529	1,955	2,068
Allowance for Loan Losses, Ending balance: individually evaluated for impairment	255	202
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	2,274	1,753
Total Loan Receivables	347,316	302,908
Loans receivables, Ending balance: individually evaluated for impairment	1,592	1,271
Loans receivables, Ending balance: collectively evaluated for impairment	345,724	301,637
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	29	22	24
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	29	22
Total Loan Receivables	745	972
Loans receivables, Ending balance: collectively evaluated for impairment	745	972
Unallocated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	682	1,125	$ 599
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	$ 682	$ 1,125

Allowance For Loan Losses (Trou

Allowance For Loan Losses (Troubled Debt Restructuring Outstanding) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Modifications [Line Items]
Total Modifications	$ 4,723	$ 5,289
Accrual Loans [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	4,723	4,975
Non-Accrual Loans [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications		314
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	3,145	3,715
Commercial Real Estate [Member] | Accrual Loans [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	3,145	3,401
Commercial Real Estate [Member] | Non-Accrual Loans [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications		314
Commercial Real Estate [Member] | Construction [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	260
Commercial Real Estate [Member] | Construction [Member] | Accrual Loans [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	260
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	255	264
Commercial [Member] | Accrual Loans [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	255	264
Commercial [Member] | Construction [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications		260
Commercial [Member] | Construction [Member] | Accrual Loans [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications		260
Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	1,063	1,050
Residential Real Estate [Member] | Accrual Loans [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	$ 1,063	$ 1,050

Allowance For Loan Losses (Sc64

Allowance For Loan Losses (Schedule Of Newly Restructured Loans) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)loan	Dec. 31, 2014USD ($)loan
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	1	1
Pre-Modification Outstanding Balance	$ 142	$ 262
Post-Modification Outstanding Balance	$ 142	$ 260
Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	1
Pre-Modification Outstanding Balance	$ 142
Post-Modification Outstanding Balance	$ 142
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans | loan		1
Pre-Modification Outstanding Balance		$ 262
Post-Modification Outstanding Balance		$ 260

Bank Premises And Equipment (De

Bank Premises And Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Property, Plant and Equipment [Line Items]
Bank premises and equipment, gross	$ 7,966	$ 6,646
Accumulated depreciation	(5,708)	(5,131)
Bank premises and equipment, net	2,258	1,515
Depreciation	605	643
Furniture, fixtures and equipment [Member]
Property, Plant and Equipment [Line Items]
Bank premises and equipment, gross	2,710	2,499
Leasehold improvements [Member]
Property, Plant and Equipment [Line Items]
Bank premises and equipment, gross	2,715	2,225
Computer equipment and data processing software [Member]
Property, Plant and Equipment [Line Items]
Bank premises and equipment, gross	2,303	1,756
Automobiles [Member]
Property, Plant and Equipment [Line Items]
Bank premises and equipment, gross	182	$ 166
Construction in progress [Member]
Property, Plant and Equipment [Line Items]
Bank premises and equipment, gross	$ 56

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Deposits [Abstract]
Time deposits 250000 or more	$ 23.1	$ 18.3

Deposits (Components Of Deposit

Deposits (Components Of Deposits) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Deposits [Abstract]
Demand, non-interest bearing	$ 89,959	$ 68,467
Demand, NOW and money market, interest bearing	67,402	63,263
Savings	406,361	405,964
Time, $100 and over	59,533	42,122
Time, other	37,011	31,852
Total deposits	$ 660,266	$ 611,668

Deposits (Scheduled Maturities

Deposits (Scheduled Maturities Of Time Deposits) (Details) $ in Thousands	Dec. 31, 2015USD ($)
Deposits [Abstract]
2,016	$ 52,441
2,017	12,772
2,018	17,750
2,019	7,465
2,020	6,116
Total time deposits	$ 96,544

Securities Sold Under Agreeme69

Securities Sold Under Agreements To Repurchase (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Securities Sold Under Agreements To Repurchase [Abstract]
Balance outstanding at December 31	$ 27,535	$ 30,304
Weighted average interest rate at the end of the year	0.058%	0.065%
Average daily balance during the year	$ 32,336	$ 30,597
Weighted average interest rate during the year	0.054%	0.056%
Maximum month-end balance during the year	$ 34,156	$ 31,923

Short-Term And Long-Term Borr70

Short-Term And Long-Term Borrowings (Narrative) (Details)	Mar. 18, 2016USD ($)	Dec. 31, 2015USD ($)itemshares	Dec. 31, 2014USD ($)
Line of Credit Facility [Line Items]
Short-term borrowings		$ 39,306,000	$ 9,000,000
Long-term advances FHLB		3,820,000	0
Repayment of long-term borrowed funds		4,080,000	2,000,000
Subsequent Event [Member]
Line of Credit Facility [Line Items]
Repayment of long-term FHLB borrowings	$ 3,800,000
Penalty on repayment of long-term borrowings	$ 432
Federal Home Loan Bank Advances [Member]
Line of Credit Facility [Line Items]
Maximum borrowing capacity		399,900,000
Line of credit, maximum borrowing capacity		150,000,000
Atlantic Community Bankers Bank Borrowings [Member]
Line of Credit Facility [Line Items]
Line of credit, maximum borrowing capacity		10,000,000
Line of credit outstanding		0	0
Univest Bank and Trust Co. Borrowings [Member]
Line of Credit Facility [Line Items]
Line of credit, maximum borrowing capacity		4,000,000
Line of credit outstanding		$ 0	1,900,000
Number of lines of credit | item		1
Repayment of long-term borrowed funds		$ 6,000,000
Number of shares used to secure the lines of credit | shares		333,333
Parent Company [Member]
Line of Credit Facility [Line Items]
Repayment of long-term borrowed funds		$ 1,900,000	$ 2,000,000

Short-Term And Long-Term Borr71

Short-Term And Long-Term Borrowings (Components Of Long-Term Borrowings With FHLB) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
April 2,016	$ 667
April 2,017	668
April 2,018	779
April 2,019	836
April 2,020	870
Long-term Federal Home Loan Bank Advances, Total	$ 3,820	$ 0
April 2016 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Interest rate	0.26%
April 2017 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Interest rate	0.48%
April 2018 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Interest rate	0.69%
April 2019 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Interest rate	0.88%
April 2020 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Interest rate	1.06%

Short-Term And Long-Term Borr72

Short-Term And Long-Term Borrowings (Components Of Long-Term Borrowings With Univest) (Details) - Univest Bank and Trust Co. Borrowings [Member] - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Line of Credit Facility [Line Items]
Line of credit outstanding	$ 0	$ 1,900
November 2015 Maturity Date [Member]
Line of Credit Facility [Line Items]
Interest Rate		7.50%
Line of credit outstanding		$ 1,900

Lease Commitments (Details)

Lease Commitments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Operating Leased Assets [Line Items]
2,016	$ 1,273
2,017	989
2,018	948
2,019	700
2,020	176
Thereafter	11
Total future minimum payments due for operating leases	4,097
Rent expense	1,200	$ 1,200
Related Parties [Member]
Operating Leased Assets [Line Items]
2,016	418
2,017	108
2,018	46
2,019	46
2,020	46
Thereafter	11
Total future minimum payments due for operating leases	675
Rent expense	410	$ 403
Third Parties [Member]
Operating Leased Assets [Line Items]
2,016	855
2,017	881
2,018	902
2,019	654
2,020	130
Total future minimum payments due for operating leases	$ 3,422

Employment Agreements And Sup74

Employment Agreements And Supplemental Executive Retirement Plans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Employment Agreements And Supplemental Executive Retirement Plans [Abstract]
Liability accrued under the plan	$ 3,400	$ 3,000
Expenses under the plan during period	$ 377	$ 808

Stock Incentive Plan (Narrative

Stock Incentive Plan (Narrative) (Details) - USD ($) $ / shares in Units, $ in Thousands	1 Months Ended			12 Months Ended				72 Months Ended
	Jan. 31, 2014	Feb. 28, 2013	Feb. 29, 2012	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock options granted					29,663
Stock option compensation expense				$ 49	$ 98
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock options granted	29,663	29,742	52,611
Stock option compensation expense				45	$ 98
Unrecognized compensation cost				$ 28				$ 28
Dividend yield					0.00%	0.00%	0.00%
Risk free interest rate					2.30%	1.34%	1.43%
Expected life, in years					6 years	6 years	7 years 6 months
Expected volatility					28.93%	28.79%	31.10%
Weighted average fair value of options granted, per share					$ 2.46	$ 2.14	$ 2.56
Weighted-average remaining contractual life of options outstanding				5 years 10 months 28 days	6 years 10 months 28 days
Weighted-average remaining contractual life of options exercisable				5 years 7 months 10 days	6 years 4 months 10 days
Aggregate intrinsic value of options outstanding and exercisable				$ 194				$ 194
Aggregate intrinsic value of options exercised				$ 328	$ 328
Stock Options [Member] | Granted In 2014 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation cost, recognition period				1 year 18 days
Stock Options [Member] | Granted In 2013 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation cost, recognition period				1 month 24 days
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock option compensation expense				$ 96	$ 76
Awards Granted				32,875	10,209			59,840
Minimum [Member] | Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period				3 years
Maximum [Member] | Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period				9 years
Stock Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized				500,000				500,000
Shares available for issuance				328,144				328,144
Stock Incentive Plan [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Exercise period, in years				10 years
$6.56 to $7.66 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted average exercise price for stock options outstanding				$ 7.14				$ 7.14
Range of Exercise Price, Lower limit				6.56
Range of Exercise Price, Upper limit				$ 7.66

Stock Incentive Plan (Summary O

Stock Incentive Plan (Summary Of Non-Vested Stock Awards) (Details) - Restricted Stock [Member] - $ / shares	12 Months Ended		72 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2015
Awards Granted	32,875	10,209	59,840
Awards Vested	(9,122)	(10,209)
Nonvested, Ending Balance	23,753		23,753
Awards Granted, Weighted Average Grant Date Fair Value	$ 10.83	$ 7.51
Awards Vested, Weighted Average Grant Date Fair Value	10.55	$ 7.51
Nonvested, Ending Balance, Weighted Average Grant Date Fair Value	$ 10.94		$ 10.94

Stock Incentive Plan (Schedule

Stock Incentive Plan (Schedule Of Stock Options Activity Under The Plans) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Stock Incentive Plan [Abstract]
Number of Options Outstanding, Beginning Balance	112,016	149,692
Number of Options Granted		29,663
Number of Options Exercised		(33,874)
Number of Options Forfeited		(33,465)
Number of Options Outstanding, Ending Balance	112,016	112,016
Number of Options Exercisable,	82,327
Weighted Average Exercise Price Outstanding, Beginning	$ 7.14	$ 8.35
Weighted Average Exercise Price Granted		7.51
Weighted Average Exercise Price Exercised		10
Weighted Average Exercise Price Forfeited		10
Weighted Average Exercise Price Outstanding, Ending	$ 7.14	$ 7.14
Weighted Average Exercise Price Exercisable,	$ 7.06

Stock Incentive Plan (Schedul78

Stock Incentive Plan (Schedule Of Stock Options Outstanding By Exercise Price Range) (Details)	12 Months Ended
	Dec. 31, 2015$ / sharesshares
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Number Outstanding	112,016
Weighted Average Remaining Contractual Life (Years)	5 years 10 months 28 days
Number Exercisable	82,327
$6.56 to $7.66 [Member]
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of Exercise Price, Lower limit | $ / shares	$ 6.56
Range of Exercise Price, Upper limit | $ / shares	7.66
Weighted Average Exercise Price | $ / shares	$ 7.14
Number Outstanding	112,016
Weighted Average Remaining Contractual Life (Years)	5 years 10 months 28 days
Number Exercisable	82,327

Other Comprehensive Income (L79

Other Comprehensive Income (Loss) (Schedule of Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Other Comprehensive Income (Loss) [Abstract]
Unrealized holding gains (losses) on available for sale, Before Tax		$ (182)	$ 1,434
Unrealized holding gains (losses) on available for sale, Tax Effect		62	(484)
Unrealized holding gains (losses) on available for sale, Net of Tax		(120)	950
Reclassification adjustments for gains on securities transactions included in net income, Before Tax	[1],[2]	(165)	(33)
Reclassification adjustments for gains on securities transactions in net income: Tax Effect	[1],[2]	56	8
Reclassification adjustments for gains on securities transactions in net income: Net of Tax	[1],[2]	(109)	(25)
Total other comprehensive income, before tax		(347)	1,401
Total other comprehensive (loss) income, Tax Effect		118	(476)
Other comprehensive (loss) gain, net of tax		$ (229)	$ 925
[1]	Realized gains on securities transactions included in gain on sales of securities, net, in the accompanying Consolidated Statements of Income.
[2]	Tax effect included in income tax expense in the accompanying Consolidated Statements of Income.

Other Comprehensive Income (L80

Other Comprehensive Income (Loss) (Schedule of The Realized Gains On Securities Available For Sale, Net Of Tax) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Other Comprehensive Income (Loss) [Abstract]
Reclassification adjustments for gains on securities transactions included in net income, Before Tax	[1],[2]	$ (165)	$ (33)
Income taxes	[1],[2]	56	8
Reclassification adjustments for gains on securities transactions in net income: Net of Tax	[1],[2]	$ (109)	$ (25)
[1]	Realized gains on securities transactions included in gain on sales of securities, net, in the accompanying Consolidated Statements of Income.
[2]	Tax effect included in income tax expense in the accompanying Consolidated Statements of Income.

Other Comprehensive Income (L81

Other Comprehensive Income (Loss) (Schedule Of Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Other Comprehensive Income (Loss) [Abstract]
Beginning Balance	$ 1,465	$ 540
Other comprehensive (loss) income before reclassifications	(120)	950
Amounts reclassified from accumulated other comprehensive income	(109)	(25)
Other comprehensive (loss) gain, net of tax	(229)	925
Ending Balance	$ 1,236	$ 1,465

Federal Income Taxes (Narrative

Federal Income Taxes (Narrative) (Details)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Federal Income Taxes [Abstract]
Statutory federal income tax rate	34.00%	34.00%

Federal Income Taxes (Component

Federal Income Taxes (Components Of Income Tax Expense) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Federal Income Taxes [Abstract]
Current	$ 2,981	$ 2,939
Deferred	(33)	(460)
Income tax expense	$ 2,948	$ 2,479

Federal Income Taxes (Reconcili

Federal Income Taxes (Reconciliation Of The Statutory Federal Income Tax) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Federal Income Taxes [Abstract]
Federal income tax at statutory rate	$ 3,521	$ 3,021
Tax free interest	(518)	(510)
Other	(55)	(32)
Income tax expense	$ 2,948	$ 2,479

Federal Income Taxes (Compone85

Federal Income Taxes (Components Of The Net Deferred Tax Asset) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Deferred tax assets:
Allowance for loan losses	$ 2,063	$ 1,909
Accrued SERP	1,159	1,031
Other	406	502
Total Deferred Tax Assets	3,628	3,442
Deferred tax liabilities:
Premises and equipment	25
Prepaid assets	320	303
Non-qualified stock awards	3
Deferred loan costs	481	373
Unrealized gain on securities available for sale	636	754
Total Deferred Tax Liabilities	1,465	1,430
Net Deferred Tax Asset	$ 2,163	$ 2,012

Transactions With Executive O86

Transactions With Executive Officers, Directors And Principal Stockholders (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Transactions With Executive Officers, Directors And Principal Stockholders [Abstract]
Due from Related Parties	$ 4,700,000	$ 3,300,000
Loan disbursements	3,300
Loan repayments	1,900,000
Deposits with related parties	20,500,000	23,400,000
Fees paid for related party legal services	$ 104,000	$ 84,000

Financial Instruments With Of87

Financial Instruments With Off-Balance Sheet Risk (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Financial Instruments With Off-Balance Sheet Risk [Abstract]
Commitments to grant loans, fixed	$ 5,745	$ 5,696
Commitments to grant loans, variable		200
Unfunded commitments under lines of credit, fixed	22,679	14,921
Unfunded commitments under lines of credit, variable	65,142	57,310
Standby letters of credit	3,857	4,417
Financial Instruments Outstanding	97,423	82,544
Maximum Undiscounted Exposure Related to Financial Instruments Outstanding	3,900	4,400
Approximate Value of Underlying Collateral Upon Liquidation That Would be Expected to cover Exposure	$ 3,700	$ 4,100

Regulatory Matters (Details)

Regulatory Matters (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total capital (to risk-weighted assets)	$ 72,933	$ 65,482
Tier 1 common capital (to risk-weighted assets)	66,865
Tier 1 capital (to risk-weighted assets)	66,865	59,868
Tier 1 capital (to average assets)	$ 66,865	$ 59,868
Total capital (to risk-weighted assets) Ratio	12.60%	13.20%
Tier 1 common capital (to risk-weighted assets) Ratio	11.50%
Tier 1 capital (to risk-weighted assets) Ratio	11.50%	12.00%
Tier 1 capital (to average assets) Ratio	8.30%	8.20%
Total capital amount required for capital adequacy purposes	$ 46,378	$ 39,851
Tier 1 common capital (to risk-weighted assets) amount required for capital adequacy purposes	26,088
Tier 1 capital (to risk-weighted assets) amount required for capital adequacy purposes	34,784	19,926
Tier 1 capital (to average assets) amount required for capital adequacy purposes	$ 32,231	$ 29,092
Total capital required for capital adequacy purposes ratio	8.00%	8.00%
Tier 1 common capital (to risk-weighted assets) amount required for capital adequacy purposes Ratio	4.50%
Tier 1 capital (to risk-weighted assets) required for capital adequacy purposes ratio	6.00%	4.00%
Tier 1 capital (to average assets) capital required for capital adequacy purposes ratio	4.00%	4.00%
Minimum Reserve Balance	$ 4,000
Bank Member
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total capital (to risk-weighted assets)	72,880	$ 67,124
Tier 1 common capital (to risk-weighted assets)	66,812
Tier 1 capital (to risk-weighted assets)	66,812	61,510
Tier 1 capital (to average assets)	$ 66,812	$ 61,510
Total capital (to risk-weighted assets) Ratio	12.60%	13.50%
Tier 1 common capital (to risk-weighted assets) Ratio	11.50%
Tier 1 capital (to risk-weighted assets) Ratio	11.50%	12.40%
Tier 1 capital (to average assets) Ratio	8.40%	8.50%
Total capital amount required for capital adequacy purposes	$ 46,377	$ 39,849
Tier 1 common capital (to risk-weighted assets) amount required for capital adequacy purposes	26,087
Tier 1 capital (to risk-weighted assets) amount required for capital adequacy purposes	34,783	19,925
Tier 1 capital (to average assets) amount required for capital adequacy purposes	$ 31,948	$ 28,846
Total capital required for capital adequacy purposes ratio	8.00%	8.00%
Tier 1 common capital (to risk-weighted assets) amount required for capital adequacy purposes Ratio	4.50%
Tier 1 capital (to risk-weighted assets) required for capital adequacy purposes ratio	6.00%	4.00%
Tier 1 capital (to average assets) capital required for capital adequacy purposes ratio	4.00%	4.00%
Capital required to be well capitalized	$ 57,971	$ 49,811
Tier 1 Common Capital To Be Well Capitalized Ratio	37,681
Tier 1 capital (to risk-weighted assets) required to be well capitalized	46,377	29,887
Tier 1 capital (to average assets) required to be well capitalized	$ 39,935	$ 36,057
Capital ratio required to be well capitalized to risk weighted assets	10.00%	10.00%
Tier 1 Common Capital To Be Well Capitalized Ratio	6.50%
Tier 1 capital (to risk-weighted assets) ratio required to be well capitalized	8.00%	6.00%
Tier 1 capital (to average assets) ratio required to be well capitalized	5.00%	5.00%

Offsetting Assets And Liabili89

Offsetting Assets And Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Securities Pledged as Collateral [Member]
Offsetting Liabilities [Line Items]
Off-balance sheet financial instruments	$ 35,000	$ 34,500
Repurchase Agreements [Member]
Offsetting Liabilities [Line Items]
Gross Amounts of Recognized Liabilities	$ 27,535	$ 30,304
Gross Amounts Offset in the Consolidated Balance Sheet
Net Amounts of Liabilities Presented in Consolidated Balance Sheet	$ 27,535	$ 30,304
Financial Instruments	$ (27,535)	$ (30,304)
Cash Pledged
Net Amount

Fair Value Of Financial Instr90

Fair Value Of Financial Instruments (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value Of Financial Instruments [Abstract]
Impaired loans aggregate balance	$ 6,372	$ 8,181
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	5,200
Impaired Financing Receivable, with Related Allowance, Recorded Investment	1,200
Related Allowance	$ 370	$ 397

Fair Value Of Financial Instr91

Fair Value Of Financial Instruments (Fair Value Of Financial Assets Measured On Recurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	$ 77,253	$ 77,197
U.S Government Agency Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	34,570	30,076
Municipal Bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	41,204	38,624
U.S. GSE - Mortgage-Backed Securities - Residential [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	$ 1,479	7,501
Corporate Bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities		$ 996
(Level 1) Quoted Prices in Active Markets for Identical Assets [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
(Level 1) Quoted Prices in Active Markets for Identical Assets [Member] | U.S Government Agency Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
(Level 1) Quoted Prices in Active Markets for Identical Assets [Member] | Municipal Bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
(Level 1) Quoted Prices in Active Markets for Identical Assets [Member] | U.S. GSE - Mortgage-Backed Securities - Residential [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
(Level 1) Quoted Prices in Active Markets for Identical Assets [Member] | Corporate Bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
(Level 2) Significant Other Observable Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	$ 77,253	$ 77,197
(Level 2) Significant Other Observable Inputs [Member] | U.S Government Agency Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	34,570	30,076
(Level 2) Significant Other Observable Inputs [Member] | Municipal Bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	41,204	38,624
(Level 2) Significant Other Observable Inputs [Member] | U.S. GSE - Mortgage-Backed Securities - Residential [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	$ 1,479	7,501
(Level 2) Significant Other Observable Inputs [Member] | Corporate Bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities		$ 996
(Level 3) Significant Unobservable Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
(Level 3) Significant Unobservable Inputs [Member] | U.S Government Agency Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
(Level 3) Significant Unobservable Inputs [Member] | Municipal Bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
(Level 3) Significant Unobservable Inputs [Member] | U.S. GSE - Mortgage-Backed Securities - Residential [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
(Level 3) Significant Unobservable Inputs [Member] | Corporate Bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities

Fair Value Of Financial Instr92

Fair Value Of Financial Instruments (Fair Value Of Financial Assets Measured On Nonrecurring Basis) (Details) - USD ($) $ in Thousands		Dec. 31, 2015	Dec. 31, 2014
Impaired Loan [Member] | FV determined through independent appraisals of the underlying collateral [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset fair value	[1]	$ 785	$ 863
Impaired Loan [Member] | FV determined using the debt service of the borrower [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset fair value	[2]		479
Other real estate owned [Member] | FV determined through independent appraisals of the underlying collateral [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset fair value	[1]	1,224	1,106
(Level 3) Significant Unobservable Inputs [Member] | Impaired Loan [Member] | FV determined through independent appraisals of the underlying collateral [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset fair value	[1]	785	863
(Level 3) Significant Unobservable Inputs [Member] | Impaired Loan [Member] | FV determined using the debt service of the borrower [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset fair value	[2]		479
(Level 3) Significant Unobservable Inputs [Member] | Other real estate owned [Member] | FV determined through independent appraisals of the underlying collateral [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset fair value	[1]	$ 1,224	$ 1,106
[1]	Fair Value is generally determined through independent appraisals of the underlying collateral, which generally include Level 3 input which are not identifiable. Fair values may also include qualitative adjustments by management based on conditions and liquidation expenses.
[2]	Fair Value determined using the debt service of the borrower.

Fair Value Of Financial Instr93

Fair Value Of Financial Instruments (Quantitative Information About Level 3 Fair Value Measurements) (Details) - (Level 3) Significant Unobservable Inputs [Member] - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Impaired Loan [Member] | Market Approach Valuation Technique [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset fair value	[1]	$ 785	$ 863
Impaired Loan [Member] | Market Approach Valuation Technique [Member] | Minimum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Range (percentage)		(25.00%)	(25.00%)
Impaired Loan [Member] | Market Approach Valuation Technique [Member] | Maximum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Range (percentage)		0.00%	0.00%
Impaired Loan [Member] | Market Approach Valuation Technique [Member] | Weighted Average [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Range (percentage)		(25.00%)	(17.60%)
Impaired Loan [Member] | Income Approach Valuation Technique [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset fair value	[2]		$ 479
Impaired Loan [Member] | Income Approach Valuation Technique [Member] | Minimum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Range (percentage)		(7.50%)	(8.50%)
Impaired Loan [Member] | Income Approach Valuation Technique [Member] | Maximum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Range (percentage)		0.00%	0.00%
Impaired Loan [Member] | Income Approach Valuation Technique [Member] | Weighted Average [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Range (percentage)		(7.50%)	(8.20%)
Other real estate owned [Member] | Market Approach Valuation Technique [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset fair value	[3]	$ 1,224	$ 1,106
Range (percentage)		(5.00%)	(5.00%)
Other real estate owned [Member] | Market Approach Valuation Technique [Member] | Weighted Average [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Range (percentage)		(5.00%)	(5.00%)
[1]	Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are not identifiable.
[2]	Fair Value determined using the debt service of the borrower.
[3]	Fair value is determined by listings, letters of intent or third-party evaluations.

Fair Value Of Financial Instr94

Fair Value Of Financial Instruments (Estimated Fair Value Of Financial Instruments) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available for sale	$ 77,253	$ 77,197
Carrying Amount [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	19,526	16,390
Interest bearing time deposits		250
Securities available for sale	77,253	77,197
Loans receivable, net of allowance	684,047	604,697
Restricted investment in bank stock	2,178	784
Accrued interest receivable	1,637	1,599
Deposits	660,266	611,668
Securities sold under agreements to repurchase and federal funds purchased	27,535	30,304
Short-term borrowings	39,306	9,000
Long-term borrowings	3,820	1,900
Accrued interest payable	462	349
Fair Value Estimate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	19,527	16,390
Interest bearing time deposits		251
Securities available for sale	77,253	77,197
Loans receivable, net of allowance	688,645	611,256
Restricted investment in bank stock	2,178	784
Accrued interest receivable	1,637	1,599
Deposits	639,677	611,975
Securities sold under agreements to repurchase and federal funds purchased	27,529	30,302
Short-term borrowings	39,273	9,000
Long-term borrowings	3,740	1,877
Accrued interest payable	462	349
(Level 1) Quoted Prices in Active Markets for Identical Assets [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	$ 19,527	$ 16,390
Securities available for sale
(Level 2) Significant Other Observable Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Interest bearing time deposits		$ 251
Securities available for sale	$ 77,253	77,197
Restricted investment in bank stock	2,178	784
Accrued interest receivable	1,637	1,599
Deposits	639,677	611,975
Securities sold under agreements to repurchase and federal funds purchased	27,529	30,302
Short-term borrowings	39,273	9,000
Accrued interest payable	$ 462	$ 349
(Level 3) Significant Unobservable Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available for sale
Loans receivable, net of allowance	$ 688,645	$ 611,256
Long-term borrowings	$ 3,740	$ 1,877
Commitments to grant loans [Member] | Carrying Amount [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Commitments to grant loans [Member] | Fair Value Estimate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Commitments to grant loans [Member] | (Level 1) Quoted Prices in Active Markets for Identical Assets [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Commitments to grant loans [Member] | (Level 2) Significant Other Observable Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Commitments to grant loans [Member] | (Level 3) Significant Unobservable Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Unfunded commitments underlines of credit [Member] | Carrying Amount [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Unfunded commitments underlines of credit [Member] | Fair Value Estimate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Unfunded commitments underlines of credit [Member] | (Level 1) Quoted Prices in Active Markets for Identical Assets [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Unfunded commitments underlines of credit [Member] | (Level 2) Significant Other Observable Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Unfunded commitments underlines of credit [Member] | (Level 3) Significant Unobservable Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Standby Letters of Credit [Member] | Carrying Amount [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Standby Letters of Credit [Member] | Fair Value Estimate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Standby Letters of Credit [Member] | (Level 1) Quoted Prices in Active Markets for Identical Assets [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Standby Letters of Credit [Member] | (Level 2) Significant Other Observable Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Standby Letters of Credit [Member] | (Level 3) Significant Unobservable Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments

Parent Company Only Financial95

Parent Company Only Financial (Parent Company Only Condensed Balance Sheets) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
ASSETS
Cash	$ 16,433	$ 14,779
Other assets	3,572	3,348
Total Assets	804,038	719,094
LIABILITIES AND STOCKHOLDERS' EQUITY
Long-term borrowings	3,820	1,900
Other liabilities	4,548	4,541
Stockholders' equity	68,101	61,332	$ 54,055
Total Liabilities and Stockholders' Equity	804,038	719,094
Parent Company [Member]
ASSETS
Cash	209	410
Other assets	19	26
Investment in subsidiary	68,046	62,972
Total Assets	68,274	63,408
LIABILITIES AND STOCKHOLDERS' EQUITY
Long-term borrowings		1,900
Other liabilities	174	178
Stockholders' equity	68,100	61,330
Total Liabilities and Stockholders' Equity	$ 68,274	$ 63,408

Parent Company Only Financial96

Parent Company Only Financial (Parent Company Only Condensed Statements Of Income And Comprehensive Income) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Condensed Income Statements, Captions [Line Items]
Interest expense on borrowings	$ (3,135)	$ (2,999)
Other expenses	(17,026)	(16,342)
Income before Income Taxes	10,357	8,884
Income tax benefit	(2,948)	(2,479)
Net Income	7,409	6,405
Comprehensive Income	7,180	7,330
Parent Company [Member]
Condensed Income Statements, Captions [Line Items]
Interest expense on borrowings	(83)	(258)
Other expenses	(291)	(291)
Equity in net income of banking subsidiary	7,665	6,776
Income before Income Taxes	7,291	6,227
Income tax benefit	118	178
Net Income	7,409	6,405
Equity in other comprehensive (loss) gain of banking subsidiary	(229)	925
Comprehensive Income	$ 7,180	$ 7,330

Parent Company Only Financial97

Parent Company Only Financial (Parent Company Only Condensed Statement Of Cash Flows) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Cash Flows from Operating Activities:
Net income	$ 7,409	$ 6,405
Adjustments to reconcile net income to net cash provided by operating activities:
Net change in other assets and liabilities	(73)	(588)
Net Cash Provided by Operating Activities	8,509	7,679
Cash Flows from Investing Activities:
Net Cash Provided by Investing Activities	(82,872)	(48,410)
Cash Flows from Financing Activities:
Repayment of long-term borrowings	(4,080)	(2,000)
Exercise of stock options, net of payment stock tendered and proceeds from DRIP		82
Dividends Paid	(736)	(440)
Net Cash Provided by Financing Activities	77,499	39,290
Net Increase (Decrease) in Cash and Cash Equivalents	3,136	(1,441)
CASH AND CASH EQUIVALENTS - BEGINNING	16,390	17,831
CASH AND CASH EQUIVALENTS - ENDING	19,526	16,390
Parent Company [Member]
Cash Flows from Operating Activities:
Net income	7,409	6,405
Adjustments to reconcile net income to net cash provided by operating activities:
Net change in other assets and liabilities	3	(1)
Equity in net income of banking subsidiary	(7,665)	(6,776)
Net Cash Provided by Operating Activities	(253)	(372)
Cash Flows from Investing Activities:
Dividend from banking subsidiary	2,412	2,185
Net Cash Provided by Investing Activities	2,412	2,185
Cash Flows from Financing Activities:
Repayment of long-term borrowings	(1,900)	(2,000)
Exercise of stock options, net of payment stock tendered and proceeds from DRIP	276	288
Dividends Paid	(736)	(440)
Net Cash Provided by Financing Activities	(2,360)	(2,152)
Net Increase (Decrease) in Cash and Cash Equivalents	(201)	(339)
CASH AND CASH EQUIVALENTS - BEGINNING	410	749
CASH AND CASH EQUIVALENTS - ENDING	$ 209	$ 410