Citizens Independent Bancorp (CZID) 10-Q 8 May 15 2015 Q1 Quarterly report Financial data

Document_And_Entity_Informatio

Document And Entity Information	3 Months Ended
	Mar. 31, 2015	Apr. 28, 2015
Document Information [Line Items]
Entity Registrant Name	Citizens Independent Bancorp, Inc.
Entity Central Index Key	1553830
Current Fiscal Year End Date	-19
Entity Filer Category	Smaller Reporting Company
Trading Symbol	CK0001553830
Entity Common Stock, Shares Outstanding		653,065
Document Type	10-Q
Amendment Flag	FALSE
Document Period End Date	31-Mar-15
Document Fiscal Period Focus	Q1
Document Fiscal Year Focus	2015

CONSOLIDATED_BALANCE_SHEETS

CONSOLIDATED BALANCE SHEETS (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Cash and cash equivalents
Cash and amounts due from depository institutions	$7,689	$13,290
Federal funds sold	6,520	3,343
Total cash and cash equivalents	14,209	16,633
Securities available for sale	27,227	31,164
Other investment securities	859	859
Loans	146,355	146,426
Allowance for loan losses	-3,443	-3,869
Net loans	142,912	142,557
Premises and equipment, net	3,025	3,050
Accrued interest receivable	371	348
Other real estate owned	446	1,068
Other assets	6,175	6,144
TOTAL ASSETS	195,224	201,823
Deposits
Noninterest bearing	21,744	23,153
Interest bearing	149,122	154,814
Total deposits	170,866	177,967
Borrowed funds	5,437	6,147
Accrued interest payable	1,311	1,492
Other liabilities	1,674	1,380
TOTAL LIABILITIES	179,288	186,986
SHAREHOLDERS' EQUITY
Cumulative preferred stock of no par value; 100,000 shares authorized, 0 shares issued and outstanding	0	0
Common stock of no par value; 2,000,000 shares authorized, 678,159 shares issued and 623,779 outstanding at March 31, 2015 and 638,555 shares issued and 584,175 shares outstanding at December 31, 2014, respectively	13,220	12,297
Common stock warrants outstanding; 119,003 warrants issued and 107,324 warrants outstanding at March 31, 2015 and 119,003 warrants issued and 118,253 outstanding at December 31, 2014	170	187
Retained earnings	9,561	9,458
Treasury stock, at cost, 54,380 shares at March 31, 2015 and December 31, 2014, respectively	-6,590	-6,590
Accumulated other comprehensive income (loss)	-425	-515
TOTAL SHAREHOLDERS' EQUITY	15,936	14,837
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$195,224	$201,823

CONSOLIDATED_BALANCE_SHEETS_Pa

CONSOLIDATED BALANCE SHEETS [Parenthetical] (USD $)	Mar. 31, 2015	Dec. 31, 2014
Preferred stock, par value (in dollars per share)	0	0
Preferred stock, shares authorized	100,000	100,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value (in dollars per share)	0	0
Common stock, shares authorized	2,000,000	2,000,000
Common stock, shares issued	678,159	638,555
Common stock, shares outstanding	623,779	584,175
Treasury stock, shares	54,380	54,380
Warrant [Member]
Stock warrants issued	119,003	119,003
Stock warrants outstanding	107,324	118,253

CONSOLIDATED_STATEMENTS_OF_INC

CONSOLIDATED STATEMENTS OF INCOME (USD $)	3 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
INTEREST INCOME
Interest and fees on loans	$1,894	$1,917
Interest and dividends on investment securities	125	188
Interest on federal funds sold	7	9
TOTAL INTEREST INCOME	2,026	2,114
INTEREST EXPENSE
Interest on deposits	250	323
Interest on borrowed funds	99	113
TOTAL INTEREST EXPENSE	349	436
NET INTEREST INCOME	1,677	1,678
Provision for loan losses	0	0
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	1,677	1,678
NONINTEREST INCOME
Service charges	85	113
Net gain on sale of securities	91	0
Net gain (loss) on sale of other real estate owned	-45	375
Credit card income and fees	83	81
Other	65	57
TOTAL NONINTEREST INCOME	279	626
NONINTEREST EXPENSE
Salaries and employee benefits	812	859
Net occupancy and equipment expense	253	330
Other real estate owned expense	24	80
FDIC insurance expense	80	135
Legal and professional fees	98	108
Data processing	95	77
Advertising	41	46
Examinations and audits	77	39
Directors fees	60	27
Other operating expenses	275	302
TOTAL NONINTEREST EXPENSE	1,815	2,003
INCOME BEFORE INCOME TAXES	141	301
Income tax expense	38	0
NET INCOME	$103	$301
Basic earnings per common share (in dollars per share)	$0.17	$0.68
Diluted earnings per common share (in dollars per share)	$0.17	$0.68

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Net income	$103	$301
Other comprehensive income, net of tax:
Net unrealized holding gain on securities available for sale, net of income taxes of $77 and $32 for the three month periods ended March 31, 2015 and 2014, respectively	150	60
Reclassification for gains recognized on sale of securities available for sale, net of income taxes of $31 for the three month period ended March 31, 2015	-60	0
Other comprehensive income	90	60
Comprehensive income	$193	$361

CONSOLIDATED_STATEMENTS_OF_COM1

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME [Parenthetical] (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, Tax	$77	$32
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax	$31

CONDENSED_CONSOLIDATED_STATEME

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Balance at beginning of period	$14,837	$5,626
Exercise of common stock warrants; 10,929 shares at March 31, 2015 and 0 shares at March 31, 2014	250	0
Issuance of common stock; 28,675 shares at March 31, 2015, and 211,365 shares at March 31, 2014	656	3,063
Net income	103	301
Other comprehensive income	90	60
Balance at end of period	$15,936	$9,050

CONDENSED_CONSOLIDATED_STATEME1

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY [Parenthetical]	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Common Stock [Member]
Stock Issued During Period, Shares, New Issues	28,675	211,365
Warrant [Member]
Common Stock Warrants Exercised	10,929	0

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$103	$301
Adjustment to reconcile net income to net cash provided by operating activities
Provision for loan losses	0	0
Depreciation and amortization	71	93
Deferred income taxes	38	0
Investment securities amortization (accretion), net	35	0
Provision for loss on other real estate owned	0	26
Change in value of bank owned life insurance	-8	0
Net (gain) loss on sale of other real estate owned	45	-375
Net (gain) loss on sale of investments	-91	0
Net (gain) loss on disposition of premises and equipment	0	10
Net change in:
Accrued interest receivable	-23	-52
Accrued interest payable	-181	-218
Other assets	-107	-220
Other liabilities	294	290
Net cash provided by (used in) operating activities	176	-145
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of available for sale securities	-3,084	0
Proceeds from maturities of available for sale securities	1,626	622
Proceeds from sales of available for sale securities	5,587	0
Net change in loans	-355	2,538
Proceeds from sale of other real estate owned	577	1,829
Purchases of premises and equipment	-46	-61
Net cash provided by investing activities	4,305	4,928
CASH FLOWS FROM FINANCING ACTIVITIES
Net change in deposits	-7,101	-3,485
Payments on loans payable	-54	-54
Proceeds from capital campaign	250	3,063
Net cash provided by (used in) financing activities	-6,905	-476
Net increase (decrease) in cash and cash equivalents	-2,424	4,307
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD	16,633	15,004
CASH AND CASH EQUIVALENTS AT END OF PERIOD	14,209	19,311
Supplemental Disclosure of Cash Flows
Cash paid during the period for: Interest	530	655
Cash paid during the period for: Taxes	0	0
Supplemental Schedule of Noncash Investing and Financing Activities
Transfer of loans to other real estate owned	0	462
Short term debt converted to common stock	$656	$0

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2015
Accounting Policies [Abstract]
Significant Accounting Policies [Text Block]	NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
	Nature of Operations
	Citizens Independent Bancorp, Inc. (the Bancorp), a bank holding company for The Citizens Bank of Logan (the Bank), collectively referred to as the “Company,” is engaged in the business of commercial and retail banking services with operations conducted through offices in Hocking, Athens and Fairfield counties. These communities and surrounding areas are the source of substantially all the Company's deposit and loan activities. Secured loans are secured by business assets, consumer assets, residential real estate, and non-residential real estate. The majority of Company income is derived from commercial, real estate, and retail lending activities and investments. Other financial instruments which potentially represent concentrations of credit risk include deposit accounts in other financial institutions and federal funds sold.
	Basis of Financial Statement Presentation
	These consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (GAAP) for interim financial information and with instructions to Form 10-Q and Article 8 of Regulation S-X.  Accordingly, they do not include all the information and footnotes required by GAAP for annual year-end financial statements. In the opinion of management, all adjustments considered necessary for a fair presentation, have been included and are of a normal, recurring nature. Operating results for the three month period ended March 31, 2015 are not necessarily indicative of the results that may be expected for the year ending December 31, 2015.
	The accounting and reporting policies of the Bancorp and the Bank conform to GAAP and to general practices followed within the banking industry.
	The consolidated balance sheet as of December 31, 2014 has been extracted from audited financial statements included in the Company’s 2014 filing on Form 10-K. Certain information and footnote disclosures normally included in financial statements prepared in accordance with GAAP have been omitted. These financial statements should be read in conjunction with the financial statements and notes thereto included in the Company’s December 31, 2014 Form 10-K.
	Information is presented in these notes with dollars expressed in thousands, unless otherwise noted or specified.
	Principles of Consolidation
	The consolidated financial statements include the accounts of Citizens Independent Bancorp, Inc. and its wholly-owned subsidiary, The Citizens Bank of Logan. All significant intercompany transactions and balances have been eliminated.
	Common Stock Warrants
	In June, 2014, the Company issued warrants to purchase 119,003 shares of common stock in connection with the issuance of common stock in the stock offering campaign. These warrants entitle the holder to purchase the Company’s common stock at 90% of the prior month’s closing book value. These warrants are valid for a period of two years and expire June 25, 2016. Allocated value of these common stock warrants was $188 thousand, at the time of grant, based on the Black Scholes methodology.

EARNINGS_PER_COMMON_SHARE

EARNINGS PER COMMON SHARE	3 Months Ended
	Mar. 31, 2015
Earnings Per Share [Abstract]
Earnings Per Share [Text Block]	NOTE 2 - EARNINGS PER COMMON SHARE
	Earnings per common share are net income available to common shareholders divided by the weighted average common shares outstanding during the period. The factors used in the earnings per share computation for the three month periods ended March 31, 2015 and 2014 follow:
		(Dollars in thousands, except
		per share data)
		2015		2014
	Net income	$	103	$	301
	Weighted average common shares outstanding		603,846		444,005
	Basic earnings per common share	$	0.17	$	0.68
	Total shares and warrants		615,428		444,005
	Diluted earnings per share	$	0.17	$	0.68

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	3 Months Ended
	Mar. 31, 2015
Investments, Debt and Equity Securities [Abstract]
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	NOTE 3 - INVESTMENT SECURITIES
	The amortized cost of securities and their approximate fair values are as follows:
		(Dollars in thousands)
		March 31, 2015								December 31, 2014
		Amortized		Gross		Gross		Fair		Amortized		Gross		Gross		Fair
		Cost		Unrealized		Unrealized		Value		Cost		Unrealized		Unrealized		Value
				Gains		Losses						Gains		Losses
	U.S. government securities	$	3,041	$	18	$	-	$	3,059	$	5,049	$	18	$	-	$	5,067
	U.S. government federal agencies		10,702		25		-8		10,719		13,905		31		-67		13,869
	State and local governments		2,813		15		-		2,828		1,029		7		-1		1,035
	Mortgage backed securities		10,546		100		-25		10,621		11,191		67		-65		11,193
	Total	$	27,102	$	158	$	-33	$	27,227	$	31,174	$	123	$	-133	$	31,164
	The following is a summary of contractual maturities of securities available-for-sale as of March 31, 2015:
		(Dollars in thousands)
		Securities available for sale
		Amortized		Fair
		Cost		Value
	Amounts maturing in:
	One year or less	$	450	$	455
	After one year through five years		13,025		13,059
	After five years through ten years		3,831		3,857
	After ten years		9,796		9,856
	Total	$	27,102	$	27,227
	Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.
	During the first quarter of 2015, the Company sold available-for-sale securities, principally U.S. Treasury and Agencies, totaling $5.6 million with a weighted average yield of 1.83% and weighted average maturity of 4.6 years and reinvested in $3.0 million of tax exempt municipal bonds and U.S. Agencies with a weighted average yield of 2.46% and weighted average maturity of 6.5 years. The net realized gain on these transactions was $91 thousand.
	Investment securities with a carrying amount of approximately $22,911,000 and $28,793,000 were pledged to secure deposits as required or permitted by law at March 31, 2015 and December 31, 2014, respectively.
	Information pertaining to securities with gross unrealized losses at March 31, 2015 and December 31, 2014, aggregated by investment category and length of time that individual securities have been in a continuous loss position, follows:
						(Dollars in thousands)
		Less than 12 months				12 months or greater				Total
		Fair		Gross		Fair		Gross		Fair		Gross
		Value		Unrealized		Value		Unrealized		Value		Unrealized
				Losses				Losses				Losses
	31-Mar-15
	U.S. government federal agencies	$	-	$	-	$	1,997	$	-8	$	1,997	$	-8
	State and local governments		-		-		-		-		-		-
	Mortgage backed securities		539		-1		2,274		-24		2,813		-25
	Total	$	539	$	-1	$	4,271	$	-32	$	4,810	$	-33
	31-Dec-14
	U.S. government federal agencies	$	3,088	$	-9	$	4,979	$	-58	$	8,067	$	-67
	State and local governments		578		-1		-		-		578		-1
	Mortgage backed securities		1,985		-8		3,684		-57		5,669		-65
	Total	$	5,651	$	-18	$	8,663	$	-115	$	14,314	$	-133
	The investment portfolio contains unrealized losses of direct obligations of U.S. securities, including mortgage-related instruments issued or backed by the full faith and credit of the United States government or are generally viewed as having the implied guarantee of the U.S. government, and debt obligations of a U.S. state or political subdivisions. As management has the ability to hold debt securities until maturity, or the foreseeable future if classified as available-for-sale, no declines are deemed to be other than temporary.
	Management evaluates securities for other than temporary impairment at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. Consideration is given to (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent and ability of the Bank to retain its investment in the issuer for a period of time sufficient to allow for any recovery in fair value.

LOANS_AND_ALLOWANCE_FOR_LOAN_L

LOANS AND ALLOWANCE FOR LOAN LOSSES	3 Months Ended
	Mar. 31, 2015
Receivables [Abstract]
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	NOTE 4 - LOANS AND ALLOWANCE FOR LOAN LOSSES
	The following tables provide information on the activity in the allowance for loan losses by the respective loan portfolio segment for the three month periods indicated:
			(Dollars in thousands)
			March 31,
			2015		2014
	Allowance at beginning of period		$	3,869	$	4,384
	Provision for credit losses		$	-	$	-
	Charge-offs:
	Commercial		$	421	$	7
	Real estate		$	4	$	28
	Consumer		$	29	$	64
	Total charge-offs		$	454	$	99
	Recoveries
	Commercial		$	12	$	44
	Real estate		$	-	$	5
	Consumer		$	16	$	15
	Total recoveries		$	28	$	64
	Allowance at end of period		$	3,443	$	4,349
	The following tables present the recorded investment with respect to loans and the related allowance by portfolio segment at the dates indicated:
							(Dollars in thousands)
			Collectively Evaluated				Individually Evaluated				Total
			Allowance		Recorded		Allowance		Recorded		Allowance		Recorded
			for loan		investment		for loan		investment		for loan		investment
			losses		in loans		losses		in loans		losses		in loans
	31-Mar-15
	Commercial		$	2,088	$	79,570	$	985	$	8,913	$	3,073	$	88,483
	Real estate			117		37,461		71		662		188		38,123
	Consumer			169		19,491		13		258		182		19,749
	Total		$	2,374	$	136,522	$	1,069	$	9,833	$	3,443	$	146,355
	31-Dec-14
	Commercial		$	2,422	$	77,651	$	1,069	$	10,338	$	3,491	$	87,989
	Real estate			124		38,091		71		665		195		38,756
	Consumer			169		19,407		14		274		183		19,681
	Total		$	2,715	$	135,149	$	1,154	$	11,277	$	3,869	$	146,426
	As part of its monitoring process, the Bank utilizes a risk rating system which quantifies the risk the Bank estimates it has assumed when entering into a loan transaction and during the life of that loan. The system rates the strength of the borrower and the transaction and is designed to provide a program for risk management and early detection of problems. Loans are graded on a scale of 1 through 8, with a grade of 4 or below classified as “Pass” rated credits. Following is a description of the general characteristics of risk grades 5 through 8:
	5 – Special Mention - The weighted overall risk associated with this credit is considered higher than normal (but still acceptable) or the loan possesses deficiencies which corrective action by the Bank would remedy, thereby reducing risk.
	6 – Substandard - The weighted overall risk associated with this credit (based on each of the Bank’s creditworthiness criteria) is considered undesirable, the credit demonstrates a well-defined weakness or the Bank is inadequately protected and there exists the distinct possibility of sustaining some loss if not corrected.
	7 – Doubtful - Weakness makes collection or liquidation in full (based on currently existing facts) improbable.
	8 – Loss- This credit is of little value and not warranted as a bankable asset. Accordingly, the Bank does not carry any loans on the books that are graded 8 – loss, instead these loans are charged off.
	The Bank’s strategy for credit risk management includes ongoing credit examinations and management reviews of loans exhibiting deterioration of credit quality. A deteriorating credit indicates an elevated likelihood of delinquency. When a loan becomes delinquent, its credit grade is reviewed and changed accordingly. Each downgrade to a classified credit results in a higher percentage of reserve to reflect the increased likelihood of loss for similarly graded credits. Further deterioration could result in a certain credit being deemed impaired resulting in a collateral valuation for purposes of establishing a specific reserve which reflects the possible extent of such loss for that credit.
	The following tables present the risk category of loans by class of loans based on the most recent analysis performed at March 31, 2015 and December 31, 2014.
	Commercial Credit Exposure
	Credit risk profile by credit worthiness category
					(Dollars in thousands)
			Commercial				Commercial
			Mortgage				Other
	Category		3/31/15		12/31/14		3/31/15		12/31/14
	Pass		$	63,701	$	61,047	$	13,374	$	13,014
	5			2,230		4,524		224		344
	6			8,401		8,131		279		230
	7			274		699		-		-
	Total		$	74,606	$	74,401	$	13,877	$	13,588
	Consumer Credit Exposure
	Credit risk by credit worthiness category
					(Dollars in thousands)
			Residential				Consumer				Consumer				Consumer
			Real Estate				Equity				Auto				Other
	Category		3/31/15		12/31/14		3/31/15		12/31/14		3/31/15		12/31/14		3/31/15		12/31/14
	Pass		$	37,152	$	37,729	$	7,011	$	6,945	$	10,828	$	10,649	$	1,722	$	1,888
	5			374		430		85		77		62		54		-		-
	6			597		597		6		15		35		53		-		-
	7			-		-		-		-		-		-		-		-
	Total		$	38,123	$	38,756	$	7,102	$	7,037	$	10,925	$	10,756	$	1,722	$	1,888
	Loans evaluated for impairment include loans classified as troubled debt restructurings and non-performing commercial, mortgage and consumer loans. The following tables set forth certain information regarding the Bank’s impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary for the periods indicated:
		(Dollars in thousands)
				Unpaid
		Recorded		Principal		Related
		Investment		Balance		Allowance
31-Mar-15
With no related allowance recorded:
Commercial mortgage		$	4,734	$	4,842	$	-
Commercial other			66		66		-
Residential real estate			246		305		-
Consumer equity			5		7		-
Consumer auto			101		104		-
Subtotal			5,152		5,324		-
With an allowance recorded:
Commercial mortgage		$	3,992	$	4,745	$	864
Commercial other			121		148		121
Residential real estate			416		425		71
Consumer equity			152		152		13
Consumer auto			-		-		-
Subtotal			4,681		5,470		1,069
Total		$	9,833	$	10,794	$	1,069
				Unpaid
		Recorded		Principal		Related
		Investment		Balance		Allowance
31-Dec-14
With no related allowance recorded:
Commercial mortgage		$	7,027	$	7,368	$	-
Commercial other			67		67		-
Residential real estate			223		278		-
Consumer equity			15		16		-
Consumer auto			106		109		-
Subtotal			7,438		7,838		-
With an allowance recorded:
Commercial mortgage			3,100		3,191		925
Commercial other			144		168		144
Residential real estate			442		449		71
Consumer equity			153		153		14
Consumer auto			-		-		-
Subtotal			3,839		3,961		1,154
Total		$	11,277	$	11,799	$	1,154
The following tables present the average recorded investments in impaired loans and the amount of interest income recognized on impaired loans after impairment by class for the periods indicated.
						(Dollars in thousands)
		No Related				With Related
		Allowance Recorded				Allowance Recorded				Total
				Total				Total				Total
		Average		Interest		Average		Interest		Average		Interest
		Recorded		Income		Recorded		Income		Recorded		Income
		Investment		Recognized		Investment		Recognized		Investment		Recognized
Three Months Ended
31-Mar-15
Commercial:
Mortgage		$	5,880	$	28	$	3,546	$	6	$	9,426	$	34
Other			66		1		133		-		199		1
Residential real estate			235		1		429		4		664		5
Consumer:
Equity			10		-		152		3		162		3
Auto			104		1		-		-		104		1
Total		$	6,295	$	31	$	4,260	$	13	$	10,555	$	44
Three Months Ended
31-Mar-14
Commercial:
Mortgage		$	7,635	$	36	$	2,141	$	-	$	9,776	$	36
Other			258		1		443		-		701		1
Residential real estate			339		1		536		7		875		8
Consumer:
Equity			98		-		160		2		258		2
Auto			134		4		4		-		138		4
Total		$	8,464	$	42	$	3,284	$	9	$	11,748	$	51
The following table summarizes information relative to loan modifications determined to be troubled debt restructurings (TDRs) during the three months ended March 31, 2015 and March 31, 2014.
				(Dollars in thousands)
				Pre-Modification		Post-Modification
		Number		Outstanding		Outstanding
		of		Recorded		Recorded
		TDRs		Investment (1)		Investment
31-Mar-15
Commercial mortgage			1	$	169	$	169
Residential real estate			-		-		-
Consumer auto			4		19		19
Consumer other			-		-		-
Total			5	$	188	$	188
31-Mar-14
Commercial mortgage			3	$	310	$	310
Residential real estate			2		187		187
Consumer auto			1		1		1
Consumer other			1		-		-
Total			7	$	498	$	498
	-1	– Pre-modification balance is calculated using the loan balance on the day prior to modification as TDR.
A modification of a loan constitutes a TDR when a borrower is experiencing financial difficulty and the modification constitutes a concession. The Bank offers various types of concessions when modifying a loan. Loan terms that may be modified due to a borrower’s financial situation include, but are not limited to, a reduction in the stated interest rate, a reduction in the face amount of the debt, a reduction of the accrued interest, temporary interest-only payments, or re-aging, extensions, deferrals, renewals, and rewrites. In mitigation, additional collateral, a co-borrower or a guarantor may be requested.
During the three month period ended March 31, 2015, loans were modified by either a reduction in rates or a change in the contractual maturity date of the note. Three loans were modified with reduced interest rates and the contractual maturity date of two loans was extended.
During the three month period ended March 31, 2014, loans were modified by either a reduction in rates or a change in the contractual maturity date of the note. Two loans were modified with reduced interest rates and the contractual maturity date of five loans was extended.
Loans modified as a TDR may already be on nonaccrual status and partial charge-offs may have in some cases been taken against the outstanding loan balance. The allowance for impaired loans that has been modified as a TDR is measured based on the estimated fair value of the collateral, less any selling costs, if the loan is collateral dependent or on the present value of expected future cash flows, discounted at the loan’s original effective interest rate. Management exercises significant judgment in developing these determinations.
There have been two commercial mortgage loans to a single borrower totaling $946,000 which were modified as a TDR within the previous twelve months that have subsequently defaulted as of March 31, 2015.
The following table presents the loan portfolio by class summarized by aging categories, at March 31, 2015 and December 31, 2014:
						(Dollars in thousands)								Recorded
														Investment
		30-59		60-89		>90								>90 Days
		Days		Days		Days		Total				Total		and
		Past Due		Past Due		Past Due		Past Due		Current		Loans		Accruing
31-Mar-15
Commercial:
Mortgage		$	1,917	$	343	$	4,303	$	6,563	$	68,043	$	74,606	$	-
Other			130		6		20		156		13,721		13,877		-
Residential real estate			198		101		51		350		37,773		38,123		-
Consumer:
Equity			14		9		-		23		7,079		7,102		-
Auto			52		23		4		79		10,846		10,925		-
Other			13		1		4		18		1,704		1,722		4
Total		$	2,324	$	483	$	4,382	$	7,189	$	139,166	$	146,355	$	4
31-Dec-14
Commercial:
Mortgage		$	1,345	$	238	$	4,924	$	6,507	$	67,894	$	74,401	$	-
Other			17		144		20		181		13,407		13,588		-
Residential real estate			470		186		27		683		38,073		38,756		-
Consumer:
Equity			-		-		-		-		7,037		7,037		-
Auto			20		6		19		45		10,711		10,756		-
Other			8		6		10		24		1,864		1,888		-
Total		$	1,860	$	580	$	5,000	$	7,440	$	138,986	$	146,426	$	-
The following summarizes by loan class, the loans on nonaccrual status at March 31, 2015 and December 31, 2014:
		(Dollars in thousands)
		March 31,		December 31,
		2015		2014
Commercial:
Mortgage		$	5,822	$	7,200
Other			145		169
Residential real estate			309		307
Consumer:
Equity			6		15
Auto			21		38
Total		$	6,303	$	7,729

BORROWINGS

BORROWINGS	3 Months Ended
	Mar. 31, 2015
Debt Disclosure [Abstract]
Debt Disclosure [Text Block]	NOTE 5 – BORROWINGS
	Bancorp renegotiated a substantial portion of the existing $5.0 million debt due December 29, 2015, achieving terms more favorable to Bancorp. The $5.0 million note was effectively split into a $2.7 million note and a $2.3 million note. The $2.3 million was exchanged for 28,675 shares of Citizens Independent Bancorp common stock (valued at $22.86 per share) and a new $1.6 million note with a more favorable interest rate and a maturity date of August 2021. The $2.7 million note maintains the original terms and continues to be secured by property held by the Bancorp.
	Management is actively engaged in the sale of the remainder of the OREO property held at the Bancorp, which will provide additional liquidity to meet required debt servicing payments. The Bancorp is also pursuing other borrowing avenues to ensure there is adequate cash to meet debt servicing needs.
	Description	Balance of		Interest		Frequency	Status	Maturity
		Loan as of		Rate		of		Date
		3/31/15				Payments
	Loan 1	$	2,700,000	8	%	Monthly	Interest Only	12/29/15
	Loan 2	$	632,174	4.75	%	Monthly	Amortizing	11/21/19
	Loan 3	$	460,353	4.25	%	Monthly	Amortizing	6/25/19
	Loan 4	$	1,644,547	6	%	*	Interest Only	8/4/21
	*   Monthly interest payments are deferred until August 2015

FAIR_VALUES_OF_FINANCIAL_INSTR

FAIR VALUES OF FINANCIAL INSTRUMENTS	3 Months Ended
	Mar. 31, 2015
Fair Value Disclosures [Abstract]
Fair Value Disclosures [Text Block]	NOTE 6 - FAIR VALUES OF FINANCIAL INSTRUMENTS
	Fair value is defined as the exchange price that would be received to sell an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. Accounting guidance also establishes a fair value hierarchy that prioritizes the inputs to valuation techniques 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 this guidance are described below.
	Level 1 - Valuation is based on quoted prices in active markets for identical assets or liabilities that the Company has the ability to access at the measurement date. Level 1 assets and liabilities generally include debt and equity securities that are traded in an active exchange market. Valuations are obtained from readily available pricing sources for market transactions involving identical assets and liabilities.
	Level 2 - Valuation is based on inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly. The valuation may be based on quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the asset or liability.
	Level 3 - Valuation is based on unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which determination of fair value requires significant management judgment or estimation.
	A financial instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement.
	Accordingly, investment securities available for sale are recorded at fair value on a recurring basis. Additionally, from time to time, the Company may be required to record other assets at fair value on a nonrecurring basis, such as impaired loans and other real estate owned. These nonrecurring fair value adjustments typically involve application of lower of cost or market accounting or writedowns of individual assets.
	The following describes the valuation techniques used to measure certain financial assets and liabilities recorded at fair value on a recurring basis in the financial statements.
	Investment securities available for sale - Fair value measurement is based upon quoted prices, if available. If quoted prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security’s credit rating, prepayment assumptions, and other factors such as credit loss assumptions. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange or traded by dealers or brokers in active over-the-counter markets. Level 2 securities include securities issued by government sponsored entities, mortgage-backed securities, and municipal bonds. Level 3 securities include those with unobservable inputs. Transfers between levels can occur due to changes in the observability of significant inputs.
	The following are assets and liabilities that were accounted for or disclosed at fair value on a recurring basis:
				(Dollars in thousands)
				Fair Value Measurements using
				Quoted Prices in		Significant
				Active Markets		Other		Significant
				for Identical		Observable		Unobservable
				Assets/Liabilities		Inputs		Inputs
		Fair Value		(Level 1)		(Level 2)		(Level 3)
	31-Mar-15
	Assets:
	Securities available for sale
	U.S. government securities	$	3,059	$	3,059	$	-	$	-
	U.S. government federal agencies		10,719		-		10,719		-
	State and local governments		2,828		-		2,828		-
	Mortgage backed securities		10,621		-		10,621		-
	Total securities available for sale	$	27,227	$	3,059	$	24,168	$	-
	31-Dec-14
	Assets:
	Securities available for sale
	U.S. government securities	$	5,067	$	5,067	$	-	$	-
	U.S. government federal agencies		13,869		-		13,869		-
	State and local governments		1,035		-		1,035		-
	Mortgage backed securities		11,193		-		11,193		-
	Total securities available for sale	$	31,164	$	5,067	$	26,097	$	-
	The following describes the valuation techniques used to measure certain financial assets and liabilities recorded at fair value on a nonrecurring basis in the financial statements.
	Impaired loans - The Bank does not record loans at fair value on a recurring basis. However, from time to time, a loan is considered impaired and an allowance for loan losses may need to be established. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures impairment. As of March 31, 2015, the fair value of substantially all of the impaired loans was estimated based on the fair value of the collateral. When the fair value of the collateral is based on an observable market price or a current appraised value, the Bank records the impaired loan as nonrecurring Level 2. When an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, the Bank records the impaired loan as nonrecurring Level 3. Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans.
	Other real estate owned (OREO) - OREO consists of real estate acquired in foreclosure or other settlement of loans. Such assets are carried on the consolidated balance sheet at the lower of the investment in the real estate or its fair value less estimated selling costs. The fair value of OREO is determined on a nonrecurring basis generally utilizing current appraisals performed by an independent, licensed appraiser applying an income or market value approach using observable market data (level 2). However, if a current appraisal is not available, the original appraised value is discounted, as appropriate, to compensate for the estimated depreciation in the value of the real estate since the date of its original appraisal. Such discounts are generally estimated based upon management’s knowledge of sales of similar property within the applicable market area and its knowledge of other real estate market-related data as well as general economic trends (Level 3). Upon foreclosure, any fair value adjustment is charged against the allowance for loan losses. Subsequent fair value adjustments are recorded in the period incurred and included in other noninterest expense in the consolidated statements of income.
	The following are assets and liabilities that were accounted for or disclosed at fair value on a nonrecurring basis:
				(Dollars in thousands)
				Fair Value Measurements using
				Quoted Prices in		Significant
				Active Markets		Other		Significant
				for Identical		Observable		Unobservable
				Assets/Liabilities		Inputs		Inputs
		Fair Value		(Level 1)		(Level 2)		(Level 3)
	31-Mar-15
	Assets:
	Impaired loans
	Commercial mortgage	$	7,862	$	-	$	-	$	7,862
	Commercial other		66						66
	Residential real estate		591						591
	Consumer equity		144						144
	Consumer auto		101						101
	Total impaired loans	$	8,764	$	-	$	-	$	8,764
	Other real estate owned
	Residential		192						192
	Commercial		254						254
	Total other real estate owned	$	446	$	-	$	-	$	446
	31-Dec-14
	Assets:
	Impaired loans
	Commercial mortgage	$	9,202	$	-	$	-	$	9,202
	Commercial other		67						67
	Residential real estate		594						594
	Consumer equity		154						154
Consumer auto		106						106
Total impaired loans	$	10,123	$	-	$	-	$	10,123
Other real estate owned				-		-		-
Residential		200						200
Commercial		868						868
Total other real estate owned	$	1,068	$	-	$	-	$	1,068
The following methods and assumptions were used to estimate the fair value disclosures for other financial instruments as of March 31, 2015 and December 31, 2014:
Cash and cash equivalents - The fair value of cash and cash equivalents is estimated to approximate the carrying amounts.
Other investment securities - Other investment securities consist of restricted equity securities in the Federal Home Loan Bank (FHLB) and are carried at cost. Because there is no market, the carrying values of restricted equity securities approximate fair values based on the redemption provisions of the FHLB.
Loans - The fair value of loans is calculated by discounting estimated cash flows using current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities. The estimated cash flows do not anticipate prepayments.
Management has made estimates of fair value discount rates that it believes to be reasonable. However, because there is no market for many of these financial instruments, management has no basis to determine whether the fair value presented for loans would be indicative of the value negotiated in an actual sale. Impaired loans are estimated to average 10% less than recorded investment.
Accrued interest receivable and payable - The carrying amounts of accrued interest approximate fair value.
Deposits - The fair value of deposits with no stated maturity, such as noninterest-bearing and interest-bearing demand deposits, regular savings, and certain types of money market accounts, is equal to the amount payable on demand at the reporting date (that is, their carrying amounts). The fair value of certificates of deposit is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities.
Borrowed funds – The carrying amounts of borrowed funds which mature within 90 days approximate their fair values. The fair values of other borrowed funds are estimated using discounted cash flow analysis that applies interest rates currently offered on similar instruments.
Off-balance sheet instruments - The fair values of commitments to extend credit and standby letters of credit are estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of agreements and the present credit standing of the counterparties. The amounts of fees currently charged on commitments to extend credit and standby letters of credit are deemed insignificant, and therefore, the estimated fair values and carrying values are not shown.
The estimated fair value of the financial instruments is as follows:
					(Dollars in thousands)
					Fair Value Measurements using
					Quoted Prices in
					Active Markets for		Other		Significant
					Identical		Observable		Unobservable
	Carrying		Fair		Assets/Liabilities		Inputs		Inputs
	Amount		Value		(Level 1)		(Level 2)		(Level 3)
31-Mar-15
Financial assets:
Cash and cash equivalents	$	14,209	$	14,209	$	-	$	14,209	$	-
Securities available for sale		27,227		27,227		3,059		24,168		-
Other investment securities		859		859		-		-		859
Net loans		142,912		146,631		-		-		146,631
Accrued interest receivable		371		371		-		-		371
Financial liabilities:
Noninterest bearing deposits	$	21,744	$	21,744	$	-	$	21,744	$	-
Interest bearing deposits		149,122		150,384		-		150,384		-
Borrowed funds		5,437		5,437		-		5,437		-
Accrued interest payable		1,311		1,311		-		-		1,311
31-Dec-14
Financial assets:
Cash and cash equivalents	$	16,633	$	16,633	$	-	$	16,633	$	-
Securities available for sale		31,164		31,164		5,067		26,097		-
Other investment securities		859		859		-		-		859
Net loans		142,557		145,895		-		-		145,895
Accrued interest receivable		348		348		-		-		348
Financial liabilities:
Noninterest bearing deposits	$	23,153	$	23,153	$	-	$	23,153	$	-
Interest bearing deposits		154,814		155,735		-		155,735		-
Borrowed funds		6,147		6,147		-		6,147		-
Accrued interest payable		1,492		1,492		-		-		1,492
The carrying amounts in the preceding table are included in the consolidated balance sheet under the applicable captions. No derivatives were held by the Company for trading purposes.

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	3 Months Ended
	Mar. 31, 2015
Accounting Policies [Abstract]
Nature of Operations [Text Block]	Nature of Operations
	Citizens Independent Bancorp, Inc. (the Bancorp), a bank holding company for The Citizens Bank of Logan (the Bank), collectively referred to as the “Company,” is engaged in the business of commercial and retail banking services with operations conducted through offices in Hocking, Athens and Fairfield counties. These communities and surrounding areas are the source of substantially all the Company's deposit and loan activities. Secured loans are secured by business assets, consumer assets, residential real estate, and non-residential real estate. The majority of Company income is derived from commercial, real estate, and retail lending activities and investments. Other financial instruments which potentially represent concentrations of credit risk include deposit accounts in other financial institutions and federal funds sold.
Basis of Accounting, Policy [Policy Text Block]	Basis of Financial Statement Presentation
	These consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (GAAP) for interim financial information and with instructions to Form 10-Q and Article 8 of Regulation S-X.  Accordingly, they do not include all the information and footnotes required by GAAP for annual year-end financial statements. In the opinion of management, all adjustments considered necessary for a fair presentation, have been included and are of a normal, recurring nature. Operating results for the three month period ended March 31, 2015 are not necessarily indicative of the results that may be expected for the year ending December 31, 2015.
	The accounting and reporting policies of the Bancorp and the Bank conform to GAAP and to general practices followed within the banking industry.
	The consolidated balance sheet as of December 31, 2014 has been extracted from audited financial statements included in the Company’s 2014 filing on Form 10-K. Certain information and footnote disclosures normally included in financial statements prepared in accordance with GAAP have been omitted. These financial statements should be read in conjunction with the financial statements and notes thereto included in the Company’s December 31, 2014 Form 10-K.
	Information is presented in these notes with dollars expressed in thousands, unless otherwise noted or specified.
Consolidation, Policy [Policy Text Block]	Principles of Consolidation
	The consolidated financial statements include the accounts of Citizens Independent Bancorp, Inc. and its wholly-owned subsidiary, The Citizens Bank of Logan. All significant intercompany transactions and balances have been eliminated.
Common Stock Warrants [Policy Text Block]	Common Stock Warrants
	In June, 2014, the Company issued warrants to purchase 119,003 shares of common stock in connection with the issuance of common stock in the stock offering campaign. These warrants entitle the holder to purchase the Company’s common stock at 90% of the prior month’s closing book value. These warrants are valid for a period of two years and expire June 25, 2016. Allocated value of these common stock warrants was $188 thousand, at the time of grant, based on the Black Scholes methodology.

EARNINGS_PER_COMMON_SHARE_Tabl

EARNINGS PER COMMON SHARE (Tables)	3 Months Ended
	Mar. 31, 2015
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	Earnings per common share are net income available to common shareholders divided by the weighted average common shares outstanding during the period. The factors used in the earnings per share computation for the three month periods ended March 31, 2015 and 2014 follow:
		(Dollars in thousands, except
		per share data)
		2015		2014
	Net income	$	103	$	301
	Weighted average common shares outstanding		603,846		444,005
	Basic earnings per common share	$	0.17	$	0.68
	Total shares and warrants		615,428		444,005
	Diluted earnings per share	$	0.17	$	0.68

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2015
Investments, Debt and Equity Securities [Abstract]
Available-for-sale Securities [Table Text Block]	The amortized cost of securities and their approximate fair values are as follows:
		(Dollars in thousands)
		March 31, 2015								December 31, 2014
		Amortized		Gross		Gross		Fair		Amortized		Gross		Gross		Fair
		Cost		Unrealized		Unrealized		Value		Cost		Unrealized		Unrealized		Value
				Gains		Losses						Gains		Losses
	U.S. government securities	$	3,041	$	18	$	-	$	3,059	$	5,049	$	18	$	-	$	5,067
	U.S. government federal agencies		10,702		25		-8		10,719		13,905		31		-67		13,869
	State and local governments		2,813		15		-		2,828		1,029		7		-1		1,035
	Mortgage backed securities		10,546		100		-25		10,621		11,191		67		-65		11,193
	Total	$	27,102	$	158	$	-33	$	27,227	$	31,174	$	123	$	-133	$	31,164
Investments Classified by Contractual Maturity Date [Table Text Block]	The following is a summary of contractual maturities of securities available-for-sale as of March 31, 2015:
		(Dollars in thousands)
		Securities available for sale
		Amortized		Fair
		Cost		Value
	Amounts maturing in:
	One year or less	$	450	$	455
	After one year through five years		13,025		13,059
	After five years through ten years		3,831		3,857
	After ten years		9,796		9,856
	Total	$	27,102	$	27,227
Schedule of Unrealized Loss on Investments [Table Text Block]	Information pertaining to securities with gross unrealized losses at March 31, 2015 and December 31, 2014, aggregated by investment category and length of time that individual securities have been in a continuous loss position, follows:
						(Dollars in thousands)
		Less than 12 months				12 months or greater				Total
		Fair		Gross		Fair		Gross		Fair		Gross
		Value		Unrealized		Value		Unrealized		Value		Unrealized
				Losses				Losses				Losses
	31-Mar-15
	U.S. government federal agencies	$	-	$	-	$	1,997	$	-8	$	1,997	$	-8
	State and local governments		-		-		-		-		-		-
	Mortgage backed securities		539		-1		2,274		-24		2,813		-25
	Total	$	539	$	-1	$	4,271	$	-32	$	4,810	$	-33
	31-Dec-14
	U.S. government federal agencies	$	3,088	$	-9	$	4,979	$	-58	$	8,067	$	-67
	State and local governments		578		-1		-		-		578		-1
	Mortgage backed securities		1,985		-8		3,684		-57		5,669		-65
	Total	$	5,651	$	-18	$	8,663	$	-115	$	14,314	$	-133

LOANS_AND_ALLOWANCE_FOR_LOAN_L1

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	3 Months Ended
	Mar. 31, 2015
Receivables [Abstract]
Allowance for Credit Losses on Financing Receivables [Table Text Block]	The following tables provide information on the activity in the allowance for loan losses by the respective loan portfolio segment for the three month periods indicated:
		(Dollars in thousands)
		March 31,
		2015		2014
	Allowance at beginning of period	$	3,869	$	4,384
	Provision for credit losses	$	-	$	-
	Charge-offs:
	Commercial	$	421	$	7
	Real estate	$	4	$	28
	Consumer	$	29	$	64
	Total charge-offs	$	454	$	99
	Recoveries
	Commercial	$	12	$	44
	Real estate	$	-	$	5
	Consumer	$	16	$	15
	Total recoveries	$	28	$	64
	Allowance at end of period	$	3,443	$	4,349
Impaired Financing Receivables [Table Text Block]	The following tables present the recorded investment with respect to loans and the related allowance by portfolio segment at the dates indicated:
						(Dollars in thousands)
		Collectively Evaluated				Individually Evaluated				Total
		Allowance		Recorded		Allowance		Recorded		Allowance		Recorded
		for loan		investment		for loan		investment		for loan		investment
		losses		in loans		losses		in loans		losses		in loans
	31-Mar-15
	Commercial	$	2,088	$	79,570	$	985	$	8,913	$	3,073	$	88,483
	Real estate		117		37,461		71		662		188		38,123
	Consumer		169		19,491		13		258		182		19,749
	Total	$	2,374	$	136,522	$	1,069	$	9,833	$	3,443	$	146,355
	31-Dec-14
	Commercial	$	2,422	$	77,651	$	1,069	$	10,338	$	3,491	$	87,989
	Real estate		124		38,091		71		665		195		38,756
	Consumer		169		19,407		14		274		183		19,681
	Total	$	2,715	$	135,149	$	1,154	$	11,277	$	3,869	$	146,426
Financing Receivable Credit Quality Indicators [Table Text Block]	The following tables present the risk category of loans by class of loans based on the most recent analysis performed at March 31, 2015 and December 31, 2014.
	Commercial Credit Exposure
	Credit risk profile by credit worthiness category
				(Dollars in thousands)
		Commercial				Commercial
		Mortgage				Other
	Category	3/31/15		12/31/14		3/31/15		12/31/14
	Pass	$	63,701	$	61,047	$	13,374	$	13,014
	5		2,230		4,524		224		344
	6		8,401		8,131		279		230
	7		274		699		-		-
	Total	$	74,606	$	74,401	$	13,877	$	13,588
	Consumer Credit Exposure
	Credit risk by credit worthiness category
				(Dollars in thousands)
		Residential				Consumer				Consumer				Consumer
		Real Estate				Equity				Auto				Other
	Category	3/31/15		12/31/14		3/31/15		12/31/14		3/31/15		12/31/14		3/31/15		12/31/14
	Pass	$	37,152	$	37,729	$	7,011	$	6,945	$	10,828	$	10,649	$	1,722	$	1,888
	5		374		430		85		77		62		54		-		-
	6		597		597		6		15		35		53		-		-
	7		-		-		-		-		-		-		-		-
	Total	$	38,123	$	38,756	$	7,102	$	7,037	$	10,925	$	10,756	$	1,722	$	1,888
Impaired Financing Receivables Segregated By With And Without Allowance Recorded [Table Text Block]		(Dollars in thousands)
				Unpaid
		Recorded		Principal		Related
		Investment		Balance		Allowance
	31-Mar-15
	With no related allowance recorded:
	Commercial mortgage	$	4,734	$	4,842	$	-
	Commercial other		66		66		-
	Residential real estate		246		305		-
	Consumer equity		5		7		-
	Consumer auto		101		104		-
	Subtotal		5,152		5,324		-
	With an allowance recorded:
	Commercial mortgage	$	3,992	$	4,745	$	864
	Commercial other		121		148		121
	Residential real estate		416		425		71
	Consumer equity		152		152		13
	Consumer auto		-		-		-
	Subtotal		4,681		5,470		1,069
	Total	$	9,833	$	10,794	$	1,069
				Unpaid
		Recorded		Principal		Related
		Investment		Balance		Allowance
	31-Dec-14
	With no related allowance recorded:
	Commercial mortgage	$	7,027	$	7,368	$	-
	Commercial other		67		67		-
	Residential real estate		223		278		-
	Consumer equity		15		16		-
	Consumer auto		106		109		-
	Subtotal		7,438		7,838		-
	With an allowance recorded:
	Commercial mortgage		3,100		3,191		925
	Commercial other		144		168		144
	Residential real estate		442		449		71
	Consumer equity		153		153		14
	Consumer auto		-		-		-
	Subtotal		3,839		3,961		1,154
	Total	$	11,277	$	11,799	$	1,154
Impaired Financing Receivables Segregated By Portfolio Segment And Class [Table Text Block]	The following tables present the average recorded investments in impaired loans and the amount of interest income recognized on impaired loans after impairment by class for the periods indicated.
						(Dollars in thousands)
		No Related				With Related
		Allowance Recorded				Allowance Recorded				Total
				Total				Total				Total
		Average		Interest		Average		Interest		Average		Interest
		Recorded		Income		Recorded		Income		Recorded		Income
		Investment		Recognized		Investment		Recognized		Investment		Recognized
	Three Months Ended
	31-Mar-15
	Commercial:
	Mortgage	$	5,880	$	28	$	3,546	$	6	$	9,426	$	34
	Other		66		1		133		-		199		1
	Residential real estate		235		1		429		4		664		5
	Consumer:
	Equity		10		-		152		3		162		3
	Auto		104		1		-		-		104		1
	Total	$	6,295	$	31	$	4,260	$	13	$	10,555	$	44
	Three Months Ended
	31-Mar-14
	Commercial:
	Mortgage	$	7,635	$	36	$	2,141	$	-	$	9,776	$	36
	Other		258		1		443		-		701		1
	Residential real estate		339		1		536		7		875		8
	Consumer:
	Equity		98		-		160		2		258		2
	Auto		134		4		4		-		138		4
	Total	$	8,464	$	42	$	3,284	$	9	$	11,748	$	51
Troubled Debt Restructurings on Financing Receivables [Table Text Block]	The following table summarizes information relative to loan modifications determined to be troubled debt restructurings (TDRs) during the three months ended March 31, 2015 and March 31, 2014.
				(Dollars in thousands)
				Pre-Modification		Post-Modification
		Number		Outstanding		Outstanding
		of		Recorded		Recorded
		TDRs		Investment (1)		Investment
	31-Mar-15
	Commercial mortgage		1	$	169	$	169
	Residential real estate		-		-		-
	Consumer auto		4		19		19
	Consumer other		-		-		-
	Total		5	$	188	$	188
	31-Mar-14
	Commercial mortgage		3	$	310	$	310
	Residential real estate		2		187		187
	Consumer auto		1		1		1
	Consumer other		1		-		-
	Total		7	$	498	$	498
Past Due Financing Receivables [Table Text Block]	The following table presents the loan portfolio by class summarized by aging categories, at March 31, 2015 and December 31, 2014:
						(Dollars in thousands)								Recorded
														Investment
		30-59		60-89		>90								>90 Days
		Days		Days		Days		Total				Total		and
		Past Due		Past Due		Past Due		Past Due		Current		Loans		Accruing
	31-Mar-15
	Commercial:
	Mortgage	$	1,917	$	343	$	4,303	$	6,563	$	68,043	$	74,606	$	-
	Other		130		6		20		156		13,721		13,877		-
	Residential real estate		198		101		51		350		37,773		38,123		-
	Consumer:
	Equity		14		9		-		23		7,079		7,102		-
	Auto		52		23		4		79		10,846		10,925		-
	Other		13		1		4		18		1,704		1,722		4
	Total	$	2,324	$	483	$	4,382	$	7,189	$	139,166	$	146,355	$	4
	31-Dec-14
	Commercial:
	Mortgage	$	1,345	$	238	$	4,924	$	6,507	$	67,894	$	74,401	$	-
	Other		17		144		20		181		13,407		13,588		-
	Residential real estate		470		186		27		683		38,073		38,756		-
	Consumer:
	Equity		-		-		-		-		7,037		7,037		-
	Auto		20		6		19		45		10,711		10,756		-
	Other		8		6		10		24		1,864		1,888		-
	Total	$	1,860	$	580	$	5,000	$	7,440	$	138,986	$	146,426	$	-
Schedule of Financing Receivables, Non Accrual Status [Table Text Block]	The following summarizes by loan class, the loans on nonaccrual status at March 31, 2015 and December 31, 2014:
		(Dollars in thousands)
		March 31,		December 31,
		2015		2014
	Commercial:
	Mortgage	$	5,822	$	7,200
	Other		145		169
	Residential real estate		309		307
	Consumer:
	Equity		6		15
	Auto		21		38
	Total	$	6,303	$	7,729

BORROWINGS_Tables

BORROWINGS (Tables)	3 Months Ended
	Mar. 31, 2015
Debt Disclosure [Abstract]
Schedule of Long-term Debt Instruments [Table Text Block]	The Bancorp is also pursuing other borrowing avenues to ensure there is adequate cash to meet debt servicing needs.
	Description	Balance of		Interest		Frequency	Status	Maturity
		Loan as of		Rate		of		Date
		3/31/15				Payments
	Loan 1	$	2,700,000	8	%	Monthly	Interest Only	12/29/15
	Loan 2	$	632,174	4.75	%	Monthly	Amortizing	11/21/19
	Loan 3	$	460,353	4.25	%	Monthly	Amortizing	6/25/19
	Loan 4	$	1,644,547	6	%	*	Interest Only	8/4/21
	*   Monthly interest payments are deferred until August 2015

FAIR_VALUES_OF_FINANCIAL_INSTR1

FAIR VALUES OF FINANCIAL INSTRUMENTS (Tables)	3 Months Ended
	Mar. 31, 2015
Fair Value Disclosures [Abstract]
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]
	The following are assets and liabilities that were accounted for or disclosed at fair value on a recurring basis:
				(Dollars in thousands)
				Fair Value Measurements using
				Quoted Prices in		Significant
				Active Markets		Other		Significant
				for Identical		Observable		Unobservable
				Assets/Liabilities		Inputs		Inputs
		Fair Value		(Level 1)		(Level 2)		(Level 3)
	31-Mar-15
	Assets:
	Securities available for sale
	U.S. government securities	$	3,059	$	3,059	$	-	$	-
	U.S. government federal agencies		10,719		-		10,719		-
	State and local governments		2,828		-		2,828		-
	Mortgage backed securities		10,621		-		10,621		-
	Total securities available for sale	$	27,227	$	3,059	$	24,168	$	-
	31-Dec-14
	Assets:
	Securities available for sale
	U.S. government securities	$	5,067	$	5,067	$	-	$	-
	U.S. government federal agencies		13,869		-		13,869		-
	State and local governments		1,035		-		1,035		-
	Mortgage backed securities		11,193		-		11,193		-
	Total securities available for sale	$	31,164	$	5,067	$	26,097	$	-
Fair Value Measurements, Nonrecurring [Table Text Block]	The following are assets and liabilities that were accounted for or disclosed at fair value on a nonrecurring basis:
				(Dollars in thousands)
				Fair Value Measurements using
				Quoted Prices in		Significant
				Active Markets		Other		Significant
				for Identical		Observable		Unobservable
				Assets/Liabilities		Inputs		Inputs
		Fair Value		(Level 1)		(Level 2)		(Level 3)
	31-Mar-15
	Assets:
	Impaired loans
	Commercial mortgage	$	7,862	$	-	$	-	$	7,862
	Commercial other		66						66
	Residential real estate		591						591
	Consumer equity		144						144
	Consumer auto		101						101
	Total impaired loans	$	8,764	$	-	$	-	$	8,764
	Other real estate owned
	Residential		192						192
	Commercial		254						254
	Total other real estate owned	$	446	$	-	$	-	$	446
	31-Dec-14
	Assets:
	Impaired loans
	Commercial mortgage	$	9,202	$	-	$	-	$	9,202
	Commercial other		67						67
	Residential real estate		594						594
	Consumer equity		154						154
	Consumer auto		106						106
	Total impaired loans	$	10,123	$	-	$	-	$	10,123
	Other real estate owned				-		-		-
	Residential		200						200
	Commercial		868						868
	Total other real estate owned	$	1,068	$	-	$	-	$	1,068
Fair Value, by Balance Sheet Grouping [Table Text Block]	The estimated fair value of the financial instruments is as follows:
						(Dollars in thousands)
						Fair Value Measurements using
						Quoted Prices in
						Active Markets for		Other		Significant
						Identical		Observable		Unobservable
		Carrying		Fair		Assets/Liabilities		Inputs		Inputs
		Amount		Value		(Level 1)		(Level 2)		(Level 3)
	31-Mar-15
	Financial assets:
	Cash and cash equivalents	$	14,209	$	14,209	$	-	$	14,209	$	-
	Securities available for sale		27,227		27,227		3,059		24,168		-
	Other investment securities		859		859		-		-		859
	Net loans		142,912		146,631		-		-		146,631
	Accrued interest receivable		371		371		-		-		371
	Financial liabilities:
	Noninterest bearing deposits	$	21,744	$	21,744	$	-	$	21,744	$	-
	Interest bearing deposits		149,122		150,384		-		150,384		-
	Borrowed funds		5,437		5,437		-		5,437		-
	Accrued interest payable		1,311		1,311		-		-		1,311
	31-Dec-14
	Financial assets:
	Cash and cash equivalents	$	16,633	$	16,633	$	-	$	16,633	$	-
	Securities available for sale		31,164		31,164		5,067		26,097		-
	Other investment securities		859		859		-		-		859
	Net loans		142,557		145,895		-		-		145,895
	Accrued interest receivable		348		348		-		-		348
	Financial liabilities:
	Noninterest bearing deposits	$	23,153	$	23,153	$	-	$	23,153	$	-
	Interest bearing deposits		154,814		155,735		-		155,735		-
	Borrowed funds		6,147		6,147		-		6,147		-
	Accrued interest payable		1,492		1,492		-		-		1,492

SUMMARY_OF_SIGNIFICANT_ACCOUNT2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Textual) (USD $)	1 Months Ended
In Thousands, except Share data, unless otherwise specified	Jun. 30, 2014	Mar. 31, 2015	Dec. 31, 2014
Warrant [Member]
Summary Of Significant Accounting Policies [Line Items]
Warrants Expiry Term	2 years
Warrants Expiry Date	25-Jun-16
Stock and Warrants Issued During Period, Value, Preferred Stock and Warrants	$188
Class Of Warrant Or Right Issued	119,003	119,003	119,003
Stock Offering [Member]
Summary Of Significant Accounting Policies [Line Items]
Warrant Exercise Price, Description	the Company’s common stock at 90% of the prior month’s closing book value.

EARNINGS_PER_COMMON_SHARE_Deta

EARNINGS PER COMMON SHARE (Details) (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Earnings Per Share, Diluted, by Common Class, Including Two Class Method [Line Items]
Net income	$103	$301
Weighted average common shares outstanding (in shares)	603,846	444,005
Basic earnings per common share (in dollars per share)	$0.17	$0.68
Total shares and warrants (in shares)	615,428	444,005
Diluted earnings per share (in dollars per share)	$0.17	$0.68

INVESTMENT_SECURITIES_Details

INVESTMENT SECURITIES (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale, Amortized Cost	$27,102	$31,174
Available-for-sale, Gross Unrealized Gains	158	123
Available-for-sale, Gross Unrealized Losses	-33	-133
Available-for-sale, Fair Value	27,227	31,164
U.S. government securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale, Amortized Cost	3,041	5,049
Available-for-sale, Gross Unrealized Gains	18	18
Available-for-sale, Gross Unrealized Losses	0	0
Available-for-sale, Fair Value	3,059	5,067
U.S. government federal agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale, Amortized Cost	10,702	13,905
Available-for-sale, Gross Unrealized Gains	25	31
Available-for-sale, Gross Unrealized Losses	-8	-67
Available-for-sale, Fair Value	10,719	13,869
State and local governments [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale, Amortized Cost	2,813	1,029
Available-for-sale, Gross Unrealized Gains	15	7
Available-for-sale, Gross Unrealized Losses	0	-1
Available-for-sale, Fair Value	2,828	1,035
Mortgage backed securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale, Amortized Cost	10,546	11,191
Available-for-sale, Gross Unrealized Gains	100	67
Available-for-sale, Gross Unrealized Losses	-25	-65
Available-for-sale, Fair Value	$10,621	$11,193

INVESTMENT_SECURITIES_Details_

INVESTMENT SECURITIES (Details 1) (USD $)	Mar. 31, 2015
In Thousands, unless otherwise specified
Securities available-for-sale, Amortized Cost, Amounts maturing in:
One year or less	$450
After one year through five years	13,025
After five years through ten years	3,831
After ten years	9,796
Total	27,102
Securities available-for-sale, Fair Value, Amounts maturing in:
One year or less	455
After one year through five years	13,059
After five years through ten years	3,857
After ten years	9,856
Total	$27,227

INVESTMENT_SECURITIES_Details_1

INVESTMENT SECURITIES (Details 2) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 months Fair value	$539	$5,651
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 months Gross unrealized losses	-1	-18
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 months or greater Fair value	4,271	8,663
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 months or greater Gross unrealized Losses	-32	-115
Available-for-sale Securities, Continuous Unrealized Loss Position, Total Fair Value	4,810	14,314
Available-for-sale Securities, Continuous Unrealized Loss Position, Total Gross unrealized losses	-33	-133
U.S. government federal agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 months Fair value	0	3,088
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 months Gross unrealized losses	0	-9
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 months or greater Fair value	1,997	4,979
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 months or greater Gross unrealized Losses	-8	-58
Available-for-sale Securities, Continuous Unrealized Loss Position, Total Fair Value	1,997	8,067
Available-for-sale Securities, Continuous Unrealized Loss Position, Total Gross unrealized losses	-8	-67
State and local governments [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 months Fair value	0	578
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 months Gross unrealized losses	0	-1
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 months or greater Fair value	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 months or greater Gross unrealized Losses	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Total Fair Value	0	578
Available-for-sale Securities, Continuous Unrealized Loss Position, Total Gross unrealized losses	0	-1
Mortgage backed securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 months Fair value	539	1,985
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 months Gross unrealized losses	-1	-8
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 months or greater Fair value	2,274	3,684
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 months or greater Gross unrealized Losses	-24	-57
Available-for-sale Securities, Continuous Unrealized Loss Position, Total Fair Value	2,813	5,669
Available-for-sale Securities, Continuous Unrealized Loss Position, Total Gross unrealized losses	($25)	($65)

INVESTMENT_SECURITIES_Details_2

INVESTMENT SECURITIES (Details Textual) (USD $)	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities Pledged as Collateral	$22,911,000		$28,793,000
Available-for-sale Securities, Sold, Amount	5,600,000
Available-for-sale Securities, Sold, Weighted Average Yield	1.83%
Available-for-sale Securities, Sold, Weighted Average Maturity	4 years 7 months 6 days
Available-for-sale Securities, Purchase, Amount	3,000,000
Available-for-sale Securities, Purchase, Weighted Average Yield	2.46%
Available-for-sale Securities, Purchase, Weighted Average Maturity	6 years 6 months
Gain (Loss) on Sale of Securities, Net	91,000	0
US Treasury Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Gain (Loss) on Sale of Securities, Net	$91,000

LOANS_AND_ALLOWANCE_FOR_LOAN_L2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance at beginning of period	$3,869	$4,384
Provision for credit losses	0	0
Total charge-offs	454	99
Total Recoveries	28	64
Allowance at end of period	3,443	4,349
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance at beginning of period	3,491
Total charge-offs	421	7
Total Recoveries	12	44
Allowance at end of period	3,073
Real estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance at beginning of period	195
Total charge-offs	4	28
Total Recoveries	0	5
Allowance at end of period	188
Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance at beginning of period	183
Total charge-offs	29	64
Total Recoveries	16	15
Allowance at end of period	$182

LOANS_AND_ALLOWANCE_FOR_LOAN_L3

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 1) (USD $)	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively Evaluated, Allowance for loan losses	$2,374	$2,715
Collectively Evaluated, Recorded investment in loans	136,522	135,149
Individually Evaluated, Allowance for loan losses	1,069	1,154
Individually Evaluated, Recorded investment in loans	9,833	11,277
Total Allowance for loan losses	3,443	3,869	4,349	4,384
Total Recorded investment in loans	146,355	146,426
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively Evaluated, Allowance for loan losses	2,088	2,422
Collectively Evaluated, Recorded investment in loans	79,570	77,651
Individually Evaluated, Allowance for loan losses	985	1,069
Individually Evaluated, Recorded investment in loans	8,913	10,338
Total Allowance for loan losses	3,073	3,491
Total Recorded investment in loans	88,483	87,989
Real estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively Evaluated, Allowance for loan losses	117	124
Collectively Evaluated, Recorded investment in loans	37,461	38,091
Individually Evaluated, Allowance for loan losses	71	71
Individually Evaluated, Recorded investment in loans	662	665
Total Allowance for loan losses	188	195
Total Recorded investment in loans	38,123	38,756
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively Evaluated, Allowance for loan losses	169	169
Collectively Evaluated, Recorded investment in loans	19,491	19,407
Individually Evaluated, Allowance for loan losses	13	14
Individually Evaluated, Recorded investment in loans	258	274
Total Allowance for loan losses	182	183
Total Recorded investment in loans	$19,749	$19,681

LOANS_AND_ALLOWANCE_FOR_LOAN_L4

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 2) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$146,355	$146,426
Commercial mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	74,606	74,401
Commercial mortgage [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	63,701	61,047
Commercial mortgage [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	2,230	4,524
Commercial mortgage [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	8,401	8,131
Commercial mortgage [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	274	699
Commercial other [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	13,877	13,588
Commercial other [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	13,374	13,014
Commercial other [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	224	344
Commercial other [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	279	230
Commercial other [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Residential real estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	38,123	38,756
Residential real estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	37,152	37,729
Residential real estate [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	374	430
Residential real estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	597	597
Residential real estate [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Consumer equity [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	7,102	7,037
Consumer equity [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	7,011	6,945
Consumer equity [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	85	77
Consumer equity [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	6	15
Consumer equity [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Consumer Auto [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	10,925	10,756
Consumer Auto [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	10,828	10,649
Consumer Auto [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	62	54
Consumer Auto [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	35	53
Consumer Auto [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Consumer Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	1,722	1,888
Consumer Other [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	1,722	1,888
Consumer Other [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Consumer Other [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Consumer Other [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$0	$0

LOANS_AND_ALLOWANCE_FOR_LOAN_L5

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 3) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	$5,152	$7,438
Unpaid Principal Balance, With no related allowance recorded	5,324	7,838
Recorded Investment, With an allowance recorded	4,681	3,839
Unpaid Principal Balance, With an allowance recorded	5,470	3,961
Related Allowance, With an allowance recorded	1,069	1,154
Recorded Investment, Total	9,833	11,277
Unpaid Principal Balance, Total	10,794	11,799
Commercial mortgage [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	4,734	7,027
Unpaid Principal Balance, With no related allowance recorded	4,842	7,368
Recorded Investment, With an allowance recorded	3,992	3,100
Unpaid Principal Balance, With an allowance recorded	4,745	3,191
Related Allowance, With an allowance recorded	864	925
Commercial other [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	66	67
Unpaid Principal Balance, With no related allowance recorded	66	67
Recorded Investment, With an allowance recorded	121	144
Unpaid Principal Balance, With an allowance recorded	148	168
Related Allowance, With an allowance recorded	121	144
Residential real estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	246	223
Unpaid Principal Balance, With no related allowance recorded	305	278
Recorded Investment, With an allowance recorded	416	442
Unpaid Principal Balance, With an allowance recorded	425	449
Related Allowance, With an allowance recorded	71	71
Consumer equity [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	5	15
Unpaid Principal Balance, With no related allowance recorded	7	16
Recorded Investment, With an allowance recorded	152	153
Unpaid Principal Balance, With an allowance recorded	152	153
Related Allowance, With an allowance recorded	13	14
Consumer auto [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	101	106
Unpaid Principal Balance, With no related allowance recorded	104	109
Recorded Investment, With an allowance recorded	0	0
Unpaid Principal Balance, With an allowance recorded	0	0
Related Allowance, With an allowance recorded	$0	$0

LOANS_AND_ALLOWANCE_FOR_LOAN_L6

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 4) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Financing Receivable, Impaired [Line Items]
Average Recorded Investment, With No Related Allowance Recorded	$6,295	$8,464
Total Interest Income Recognized, With No Related Allowance Recorded	31	42
Average Recorded Investment, With Related Allowance Recorded	4,260	3,284
Total Interest Income Recognized, With Related Allowance Recorded	13	9
Total Average Recorded Investment	10,555	11,748
Total Interest Income Recognized	44	51
Commercial mortgage [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment, With No Related Allowance Recorded	5,880	7,635
Total Interest Income Recognized, With No Related Allowance Recorded	28	36
Average Recorded Investment, With Related Allowance Recorded	3,546	2,141
Total Interest Income Recognized, With Related Allowance Recorded	6	0
Total Average Recorded Investment	9,426	9,776
Total Interest Income Recognized	34	36
Commercial other [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment, With No Related Allowance Recorded	66	258
Total Interest Income Recognized, With No Related Allowance Recorded	1	1
Average Recorded Investment, With Related Allowance Recorded	133	443
Total Interest Income Recognized, With Related Allowance Recorded	0	0
Total Average Recorded Investment	199	701
Total Interest Income Recognized	1	1
Residential real estate [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment, With No Related Allowance Recorded	235	339
Total Interest Income Recognized, With No Related Allowance Recorded	1	1
Average Recorded Investment, With Related Allowance Recorded	429	536
Total Interest Income Recognized, With Related Allowance Recorded	4	7
Total Average Recorded Investment	664	875
Total Interest Income Recognized	5	8
Consumer equity [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment, With No Related Allowance Recorded	10	98
Total Interest Income Recognized, With No Related Allowance Recorded	0	0
Average Recorded Investment, With Related Allowance Recorded	152	160
Total Interest Income Recognized, With Related Allowance Recorded	3	2
Total Average Recorded Investment	162	258
Total Interest Income Recognized	3	2
Consumer Auto [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment, With No Related Allowance Recorded	104	134
Total Interest Income Recognized, With No Related Allowance Recorded	1	4
Average Recorded Investment, With Related Allowance Recorded	0	4
Total Interest Income Recognized, With Related Allowance Recorded	0	0
Total Average Recorded Investment	104	138
Total Interest Income Recognized	$1	$4

LOANS_AND_ALLOWANCE_FOR_LOAN_L7

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 5) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015		Mar. 31, 2014
Financing Receivable, Modifications [Line Items]
Number of TDRs	5		7
Pre-Modification Outstanding Recorded Investment	$188	[1]	$498	[1]
Post-Modification Outstanding Recorded Investment	188		498
Commercial mortgage [Member]
Financing Receivable, Modifications [Line Items]
Number of TDRs	1		3
Pre-Modification Outstanding Recorded Investment	169	[1]	310	[1]
Post-Modification Outstanding Recorded Investment	169		310
Consumer auto [Member]
Financing Receivable, Modifications [Line Items]
Number of TDRs	4		1
Pre-Modification Outstanding Recorded Investment	19	[1]	1	[1]
Post-Modification Outstanding Recorded Investment	19		1
Real estate residential [Member]
Financing Receivable, Modifications [Line Items]
Number of TDRs	0		2
Pre-Modification Outstanding Recorded Investment	0	[1]	187	[1]
Post-Modification Outstanding Recorded Investment	0		187
Consumer other [Member]
Financing Receivable, Modifications [Line Items]
Number of TDRs	0		1
Pre-Modification Outstanding Recorded Investment	0	[1]	0	[1]
Post-Modification Outstanding Recorded Investment	$0		$0
[1]	Pre-modification balance is calculated using the loan balance on the day prior to modification as TDR.

LOANS_AND_ALLOWANCE_FOR_LOAN_L8

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 6) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	$2,324	$1,860
60-89 Days Past Due	483	580
>90 Days Past Due	4,382	5,000
Total Past Due	7,189	7,440
Current	139,166	138,986
Total Loans	146,355	146,426
Recorded Investment >90 Days and Accruing	4	0
Commercial mortgage [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	1,917	1,345
60-89 Days Past Due	343	238
>90 Days Past Due	4,303	4,924
Total Past Due	6,563	6,507
Current	68,043	67,894
Total Loans	74,606	74,401
Recorded Investment >90 Days and Accruing	0	0
Commercial other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	130	17
60-89 Days Past Due	6	144
>90 Days Past Due	20	20
Total Past Due	156	181
Current	13,721	13,407
Total Loans	13,877	13,588
Recorded Investment >90 Days and Accruing	0	0
Residential real estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	198	470
60-89 Days Past Due	101	186
>90 Days Past Due	51	27
Total Past Due	350	683
Current	37,773	38,073
Total Loans	38,123	38,756
Recorded Investment >90 Days and Accruing	0	0
Consumer equity [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	14	0
60-89 Days Past Due	9	0
>90 Days Past Due	0	0
Total Past Due	23	0
Current	7,079	7,037
Total Loans	7,102	7,037
Recorded Investment >90 Days and Accruing	0	0
Consumer Auto [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	52	20
60-89 Days Past Due	23	6
>90 Days Past Due	4	19
Total Past Due	79	45
Current	10,846	10,711
Total Loans	10,925	10,756
Recorded Investment >90 Days and Accruing	0	0
Consumer Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	13	8
60-89 Days Past Due	1	6
>90 Days Past Due	4	10
Total Past Due	18	24
Current	1,704	1,864
Total Loans	1,722	1,888
Recorded Investment >90 Days and Accruing	$4	$0

LOANS_AND_ALLOWANCE_FOR_LOAN_L9

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 7) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans on nonaccrual status	$6,303	$7,729
Commercial mortgage [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans on nonaccrual status	5,822	7,200
Commercial other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans on nonaccrual status	145	169
Residential real estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans on nonaccrual status	309	307
Consumer equity [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans on nonaccrual status	6	15
Consumer Auto [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans on nonaccrual status	$21	$38

Recovered_Sheet1

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details Textual) (USD $)	3 Months Ended
	Mar. 31, 2015
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	$946,000

BORROWINGS_Details

BORROWINGS (Details) (USD $)	3 Months Ended
	Mar. 31, 2015
Loan 1 [Member]
Debt Instrument [Line Items]
Debt, Balance	$2,700,000
Debt, Interest Rate	8.00%
Debt, Frequency of Payments	Monthly
Debt, Status	Interest Only
Debt, Maturity Date	29-Dec-15
Loan 2 [Member]
Debt Instrument [Line Items]
Debt, Balance	632,174
Debt, Interest Rate	4.75%
Debt, Frequency of Payments	Monthly
Debt, Status	Amortizing
Debt, Maturity Date	21-Nov-19
Loan 3 [Member]
Debt Instrument [Line Items]
Debt, Balance	460,353
Debt, Interest Rate	4.25%
Debt, Frequency of Payments	Monthly
Debt, Status	Amortizing
Debt, Maturity Date	25-Jun-19
Loan 4 [Member]
Debt Instrument [Line Items]
Debt, Balance	$1,644,547
Debt, Interest Rate	6.00%
Debt, Frequency of Payments		[1]
Debt, Status	Interest Only
Debt, Maturity Date	4-Aug-21
[1]	Monthly interest payments are deferred until August 2015

BORROWINGS_Details_Textual

BORROWINGS (Details Textual) (USD $)	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Debt Instrument [Line Items]
Debt Conversion, Original Debt, Amount	$656,000	$0
Loan 1 [Member]
Debt Instrument [Line Items]
Debt Instrument, Face Amount	5,000,000
Debt Conversion, Original Debt, Amount	$2,300,000
Debt Conversion, Converted Instrument, Shares Issued	28,675
Debt Instrument, Convertible, Conversion Price	$22.86

FAIR_VALUES_OF_FINANCIAL_INSTR2

FAIR VALUES OF FINANCIAL INSTRUMENTS (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Total	$27,227	$31,164
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Total	3,059	5,067
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Total	24,168	26,097
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Total	0	0
U.S. government securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Total	3,059	5,067
U.S. government securities [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Total	3,059	5,067
U.S. government securities [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Total	0	0
U.S. government securities [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Total	0	0
U.S. government federal agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Total	10,719	13,869
U.S. government federal agencies [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Total	0	0
U.S. government federal agencies [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Total	10,719	13,869
U.S. government federal agencies [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Total	0	0
State & local governments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Total	2,828	1,035
State & local governments [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Total	0	0
State & local governments [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Total	2,828	1,035
State & local governments [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Total	0	0
Mortgage backed securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Total	10,621	11,193
Mortgage backed securities [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Total	0	0
Mortgage backed securities [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Total	10,621	11,193
Mortgage backed securities [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Total	$0	$0

FAIR_VALUES_OF_FINANCIAL_INSTR3

FAIR VALUES OF FINANCIAL INSTRUMENTS (Details 1) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	$9,833	$11,277
Other real estate owned	446	1,068
Consumer mortgage [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	7,862	9,202
Commercial other [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	66	67
Consumer equity [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	144	154
Consumer auto [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	101	106
Residential [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned	192	200
Commercial Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned	254	868
Residential Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	591	594
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0	0
Other real estate owned	0	0
Fair Value, Inputs, Level 1 [Member] | Consumer mortgage [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0	0
Fair Value, Inputs, Level 1 [Member] | Residential [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned		0
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0	0
Other real estate owned	0	0
Fair Value, Inputs, Level 2 [Member] | Consumer mortgage [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0	0
Fair Value, Inputs, Level 2 [Member] | Residential [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned		0
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	8,764	10,123
Other real estate owned	446	1,068
Fair Value, Inputs, Level 3 [Member] | Consumer mortgage [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	7,862	9,202
Fair Value, Inputs, Level 3 [Member] | Commercial other [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	66	67
Fair Value, Inputs, Level 3 [Member] | Consumer equity [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	144	154
Fair Value, Inputs, Level 3 [Member] | Consumer auto [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	101	106
Fair Value, Inputs, Level 3 [Member] | Residential [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned	192	200
Fair Value, Inputs, Level 3 [Member] | Commercial Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned	254	868
Fair Value, Inputs, Level 3 [Member] | Residential Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	$591	$594

FAIR_VALUES_OF_FINANCIAL_INSTR4

FAIR VALUES OF FINANCIAL INSTRUMENTS (Details 2) (USD $)	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financial assets, Carrying Amount:
Cash and cash equivalents	$14,209	$16,633	$19,311	$15,004
Securities available for sale	27,227	31,164
Other investment securities	859	859
Net loans	142,912	142,557
Accrued interest receivable	371	348
Financial liabilities, Carrying Amount:
Noninterest bearing deposits	21,744	23,153
Interest bearing deposits	149,122	154,814
Borrowed funds	5,437	6,147
Accrued interest payable	1,311	1,492
Financial assets, Fair Value:
Cash and cash equivalents	14,209	16,633
Securities available for sale	27,227	31,164
Other investment securities	859	859
Net loans	146,631	145,895
Accrued interest receivable	371	348
Financial liabilities, Fair Value:
Noninterest bearing deposits	21,744	23,153
Interest bearing deposits	150,384	155,735
Borrowed funds	5,437	6,147
Accrued interest payable	1,311	1,492
Fair Value, Inputs, Level 1 [Member]
Financial assets, Carrying Amount:
Securities available for sale	3,059	5,067
Financial assets, Fair Value:
Cash and cash equivalents	0	0
Securities available for sale	3,059	5,067
Other investment securities	0	0
Net loans	0	0
Accrued interest receivable	0	0
Financial liabilities, Fair Value:
Noninterest bearing deposits	0	0
Interest bearing deposits	0	0
Borrowed funds	0	0
Accrued interest payable	0	0
Fair Value, Inputs, Level 2 [Member]
Financial assets, Carrying Amount:
Securities available for sale	24,168	26,097
Financial assets, Fair Value:
Cash and cash equivalents	14,209	16,633
Securities available for sale	24,168	26,097
Other investment securities	0	0
Net loans	0	0
Accrued interest receivable	0	0
Financial liabilities, Fair Value:
Noninterest bearing deposits	21,744	23,153
Interest bearing deposits	150,384	155,735
Borrowed funds	5,437	6,147
Accrued interest payable	0	0
Fair Value, Inputs, Level 3 [Member]
Financial assets, Carrying Amount:
Securities available for sale	0	0
Financial assets, Fair Value:
Cash and cash equivalents	0	0
Securities available for sale	0	0
Other investment securities	859	859
Net loans	146,631	145,895
Accrued interest receivable	371	348
Financial liabilities, Fair Value:
Noninterest bearing deposits	0	0
Interest bearing deposits	0	0
Borrowed funds	0	0
Accrued interest payable	$1,311	$1,492