Pathfinder Bancorp (PBHC) 10-Q 13 Nov 15 2015 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2015	Nov. 09, 2015
Document and Entity Information [Abstract]
Entity Registrant Name	Pathfinder Bancorp, Inc.
Entity Central Index Key	1,609,065
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Smaller Reporting Company
Entity Common Stock, Shares Outstanding		4,352,203
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q3
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2015

Consolidated Statements of Cond

Consolidated Statements of Condition (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
ASSETS:
Cash and due from banks	$ 9,564	$ 6,822
Interest earning deposits	7,810	4,534
Total cash and cash equivalents	17,374	11,356
Available-for-sale securities, at fair value	98,007	88,073
Held-to-maturity securities, at amortized cost (fair value of $44,952 and $42,139, respectively)	43,534	40,875
Federal Home Loan Bank stock, at cost	1,881	3,454
Loans	414,795	387,538
Less: Allowance for loan losses	5,732	5,349
Loans receivable, net	409,063	382,189
Premises and equipment, net	14,091	13,200
Accrued interest receivable	2,082	1,849
Foreclosed real estate	472	261
Intangible assets, net	218	175
Goodwill	4,536	4,367
Bank owned life insurance	10,621	10,356
Other assets	5,319	4,869
Total assets	607,198	561,024
Deposits:
Interest-bearing	430,456	360,906
Noninterest-bearing	65,886	54,662
Total deposits	496,342	415,568
Short-term borrowings	15,225	55,100
Long-term borrowings	14,000	11,000
Junior subordinated debentures	5,155	5,155
Accrued interest payable	50	63
Other liabilities	5,246	4,934
Total liabilities	536,018	491,820
Shareholders' equity:
Preferred stock - SBLF, par value $0.01 per share; $1,000 liquidation preference; 13,000 shares authorized; 13,000 shares issued and outstanding	13,000	13,000
Common stock, par value $0.01; 25,000,000 authorized shares; 4,352,203 shares issued and shares outstanding	44	44
Additional paid in capital	28,659	28,534
Retained earnings	32,642	31,085
Accumulated other comprehensive loss	(1,960)	(2,119)
Unearned ESOP	(1,619)	(1,754)
Total Pathfinder Bancorp, Inc. shareholders' equity	70,766	68,790
Noncontrolling interest	414	414
Total equity	71,180	69,204
Total liabilities and shareholders' equity	$ 607,198	$ 561,024

Consolidated Statements of Con3

Consolidated Statements of Condition (Unaudited) (Parenthetical) - USD ($)	Sep. 30, 2015	Dec. 31, 2014
ASSETS:
Held-to-maturity securities at fair value	$ 44,952,000	$ 42,139,000
Shareholders' equity:
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	25,000,000	25,000,000
Common stock, shares issued (in shares)	4,352,203	4,352,203
Common stock, shares outstanding (in shares)	4,352,203	4,352,203
Preferred Stock SBLF [Member]
Shareholders' equity:
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, liquidation preference	$ 1,000	$ 1,000
Preferred stock, shares authorized (in shares)	13,000	13,000
Preferred stock, shares issued (in shares)	13,000	13,000
Preferred stock, shares outstanding (in shares)	13,000	13,000

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Interest and dividend income:
Loans, including fees	$ 4,699	$ 4,344	$ 13,649	$ 12,512
Debt securities:
Taxable	519	473	1,494	1,360
Tax-exempt	186	196	573	585
Dividends	40	35	109	85
Interest earning time deposits	0	2	0	6
Federal funds sold and interest earning deposits	5	2	12	4
Total interest income	5,449	5,052	15,837	14,552
Interest expense:
Interest on deposits	508	479	1,435	1,505
Interest on short-term borrowings	41	28	113	68
Interest on long-term borrowings	103	149	310	443
Total interest expense	652	656	1,858	2,016
Net interest income	4,797	4,396	13,979	12,536
Provision for loan losses	220	410	1,004	930
Net interest income after provision for loan losses	4,577	3,986	12,975	11,606
Noninterest income:
Service charges on deposit accounts	299	311	853	894
Earnings and gain on bank owned life insurance	250	64	400	190
Loan servicing fees	55	81	148	202
Net gains on sales and redemptions of investment securities	88	3	188	29
Net gains on sales of loans and foreclosed real estate	17	10	13	39
Debit card interchange fees	131	127	390	369
Other charges, commissions & fees	352	304	1,017	880
Total noninterest income	1,192	900	3,009	2,603
Noninterest expense:
Salaries and employee benefits	2,478	2,141	7,216	6,526
Building occupancy	535	421	1,479	1,193
Data processing	462	367	1,204	1,131
Professional and other services	206	160	654	508
Advertising	116	141	352	372
FDIC assessments	105	99	302	294
Audits and exams	58	61	179	186
Other expenses	598	422	1,628	1,273
Total noninterest expenses	4,558	3,812	13,014	11,483
Income before income taxes	1,211	1,074	2,970	2,726
Provision for income taxes	316	317	829	767
Net income attributable to noncontrolling interest and Pathfinder Bancorp, Inc.	895	757	2,141	1,959
Net income attributable to noncontrolling interest	10	11	33	48
Net income attributable to Pathfinder Bancorp, Inc.	885	746	2,108	1,911
Preferred stock dividends	33	33	97	63
Net income available to common shareholders	$ 852	$ 713	$ 2,011	$ 1,848
Earnings per common share - basic (in dollars per share)	$ 0.21	$ 0.17	$ 0.49	$ 0.44
Earnings per common share - diluted (in dollars per share)	0.20	0.17	0.48	0.44
Dividends per common share (in dollars per share)	$ 0.05	$ 0.03	$ 0.11	$ 0.09

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Consolidated Statements of Comprehensive Income (Unaudited) [Abstract]
Net Income		$ 895	$ 757	$ 2,141	$ 1,959
Retirement Plans:
Net unrealized gain on retirement plans		45	11	135	33
Unrealized holding gains on financial derivative:
Change in unrealized holding gains/(losses) on financial derivative		(2)	2	(8)	(6)
Reclassification adjustment for interest expense included in net income		15	16	46	47
Net unrealized gain on financial derivative		13	18	38	41
Unrealized holding (losses) gains on available for sale securities
Unrealized holding gains (losses) arising during the period		594	(69)	181	561
Reclassification adjustment for net (losses) included in net income		(88)	(3)	(188)	(29)
Net unrealized gain (loss) on available for sale securities		506	(72)	(7)	532
Accretion of net unrealized loss on securities transferred to held-to-maturity	[1]	34	30	99	90
Other comprehensive income (loss), before tax		598	(13)	265	696
Tax effect		(239)	3	(106)	(281)
Other comprehensive income (loss), net of tax		359	(10)	159	415
Comprehensive income		1,254	747	2,300	2,374
Comprehensive income attributable to noncontrolling interest		10	11	33	48
Comprehensive income attributable to Pathfinder Bancorp, Inc.		1,244	736	2,267	2,326
Tax Effect Allocated to Each Component of Other Comprehensive Loss
Retirement plan net losses recognized in plan expenses		(18)	(4)	(54)	(13)
Change in unrealized holding gains/(losses) on financial derivative		1	(1)	3	2
Reclassification adjustment for interest expense included in net income		(6)	(6)	(18)	(19)
Unrealized holding (losses) gains arising during the period		(238)	27	(72)	(226)
Reclassification adjustment for net losses included in net income		36	1	75	12
Accretion of net unrealized loss on securities transferred to held-to-maturity	[1]	(14)	(14)	(40)	(37)
Income tax effect related to other comprehensive income		$ (239)	$ 3	$ (106)	$ (281)
[1]	The accretion of the unrealized holding losses in accumulated other comprehensive loss at the date of transfer at September 30, 2013 partially offsets the amortization of the difference between the par value and the fair value of the investment securities at the date of transfer, and is an adjustment of yield.

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - USD ($) $ in Thousands	Preferred Stock [Member]	Common Stock [Member]	Additional Paid in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Loss [Member]	Unearned ESOP [Member]	Treasury Stock [Member]	Noncontrolling Interest [Member]	Total
Balance at Dec. 31, 2013	$ 13,000	$ 30	$ 8,226	$ 28,788	$ (1,745)	$ (826)	$ (4,761)	$ 358	$ 43,070
Net income	0	0	0	1,911	0	0	0	48	1,959
Other comprehensive income, net of tax	0	0	0	0	415	0	0	0	415
Preferred stock dividends - SBLF	0	0	0	(63)	0	0	0	0	(63)
ESOP shares earned	0	0	53	0	0	83	0	0	136
Stock based compensation	0	0	63	0	0	0	0	0	63
Stock options exercised	0	0	(8)	0	0	0	26	0	18
Common stock dividends declared	0	0	0	(229)	0	0	0	0	(229)
Balance at Sep. 30, 2014	13,000	30	8,334	30,407	(1,330)	(743)	(4,735)	406	45,369
Balance at Dec. 31, 2014	13,000	44	28,534	31,085	(2,119)	(1,754)	0	414	69,204
Net income	0	0	0	2,108	0	0	0	33	2,141
Other comprehensive income, net of tax	0	0	0	0	159	0	0	0	159
Preferred stock dividends - SBLF	0	0	0	(97)	0	0	0	0	(97)
ESOP shares earned	0	0	62	0	0	135	0	0	197
Stock based compensation	0	0	63	0	0	0	0	0	63
Common stock dividends declared	0	0	0	(454)	0	0	0	0	(454)
Distributions from affiliates	0	0	0	0	0	0	0	(33)	(33)
Balance at Sep. 30, 2015	$ 13,000	$ 44	$ 28,659	$ 32,642	$ (1,960)	$ (1,619)	$ 0	$ 414	$ 71,180

Consolidated Statements of Cha7

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parenthetical) - $ / shares	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Consolidated Statements of Changes in Shareholders' Equity (Unaudited) [Abstract]
ESOP shares earned (in shares)	18,332	9,375
Common stock dividends declared, per share (in dollars per share)	$ 0.11	$ 0.09

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
OPERATING ACTIVITIES
Net income attributable to Pathfinder Bancorp, Inc.	$ 2,108	$ 1,911
Adjustments to reconcile net income to net cash flows from operating activities:
Provision for loan losses	1,004	930
Proceeds from sales of loans	69	0
Originations of loans held-for-sale	(68)	0
Realized gains on sales, redemptions and calls of:
Real estate acquired through foreclosure	(11)	(39)
Loans	(2)	0
Available-for-sale investment securities	(188)	(29)
Depreciation	760	596
Amortization of mortgage servicing rights	10	11
Amortization of deferred loan costs	125	91
Earnings on bank owned life insurance	(265)	(190)
Net amortization of premiums and discounts on investment securities	673	530
Amortization of intangible assets	13	9
Stock based compensation and ESOP expense	260	199
Net change in accrued interest receivable	(233)	(150)
Net change in other assets and liabilities	15	(811)
Net cash flows from operating activities	4,270	3,058
INVESTING ACTIVITIES
Purchase of investment securities available-for-sale	(49,220)	(27,099)
Purchase of investment securities held-to-maturity	(5,034)	(8,767)
Net proceeds from Federal Home Loan Bank stock	1,573	611
Proceeds from maturities and principal reductions of investment securities available-for-sale	20,088	13,545
Proceeds from maturities and principal reductions of investment securities held-to-maturity	2,378	692
Proceeds from sales, redemptions and calls of:
Available-for-sale investment securities	18,802	510
Real estate acquired through foreclosure	284	667
Acquisition of insurance agency	(225)	0
Purchase of bank owned life insurance	0	(1,780)
Proceeds from bank owned life insurance	(135)	0
Net change in loans	(28,522)	(33,989)
Purchase of premises and equipment	(1,651)	(1,897)
Net cash flows from investing activities	(41,662)	(57,507)
FINANCING ACTIVITIES
Net change in demand deposits, NOW accounts, savings accounts, money management deposit accounts, MMDA accounts and escrow deposits	61,382	52,925
Net change in time deposits and brokered deposits	19,392	19,964
Net change in short-term borrowings	(39,875)	(10,000)
Proceeds from long-term borrowings	3,000	168
Proceeds from exercise of stock options	0	18
Cash dividends paid to preferred shareholder - SBLF	(97)	(31)
Cash dividends paid to common shareholders	(392)	(236)
Change in noncontrolling interest, net	0	48
Net cash flows from financing activities	43,410	62,856
Change in cash and cash equivalents	6,018	8,407
Cash and cash equivalents at beginning of period	11,356	16,575
Cash and cash equivalents at end of period	17,374	24,982
CASH PAID DURING THE PERIOD FOR:
Interest	1,871	2,029
Income taxes	842	331
NON-CASH INVESTING ACTIVITY
Real estate acquired in exchange for loans	$ 519	$ 474

Basis of Presentation

Basis of Presentation	9 Months Ended
	Sep. 30, 2015
Basis of Presentation [Abstract]
Basis of Presentation	Note 1: Basis of Presentation The accompanying unaudited consolidated financial statements of Pathfinder Bancorp, Inc., (the "Company"), Pathfinder Bank (the "Bank") and its other wholly owned subsidiaries have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information, the instructions for Form 10-Q and Article 8 of Regulation S-X. Accordingly, they do not include all of the information and footnotes necessary for a complete presentation of consolidated financial condition, results of operations and cash flows in conformity with generally accepted accounting principles. In the opinion of management, all adjustments, consisting of normal recurring accruals considered necessary for a fair presentation, have been included. The results are not necessarily indicative of the results to be expected for the year ended December 31, 2015 or for any future period. Certain amounts in the 2014 consolidated financial statements may have been reclassified to conform to the current period presentation. These reclassifications impacted share and per share data as a result of the Conversion and Offering that occurred on October 16, 2014 and reported by the Company in its Annual Report on Form 10-K filed on March 18, 2015, and are further detailed in Note 3 to these unaudited consolidated financial statements located elsewhere on this form. These reclassifications had no effect on net income or comprehensive income as previously reported. The Company's consolidated financial statements are prepared in accordance with accounting principles generally accepted in the United States and follow practices within the banking industry. Application of these principles requires management to make estimates, assumptions, and judgments that affect the amounts reported in the consolidated financial statements and accompanying notes. These estimates, assumptions, and judgments are based on information available as of the date of the financial statements; accordingly, as this information changes, the financial statements could reflect different estimates, assumptions, and judgments. Certain policies inherently have a greater reliance on the use of estimates, assumptions, and judgments and as such have a greater possibility of producing results that could be materially different than originally reported. Estimates, assumptions, and judgments are necessary when assets and liabilities are required to be recorded at fair value or when an asset or liability needs to be recorded contingent upon a future event. Carrying assets and liabilities at fair value inherently results in more financial statement volatility. The fair values and information used to record valuation adjustments for certain assets and liabilities are based on quoted market prices or are provided by other third-party sources, when available. When third party information is not available, valuation adjustments are estimated in good faith by management. Although the Company owns, through its subsidiary Pathfinder Risk Management Company, Inc., 51% of the membership interest in FitzGibbons Agency, LLC ("Agency"), the Company is required to consolidate 100% of the Agency within the consolidated financial statements. The Agency's financial statements include the acquisition of the Huntington Agency, which occurred in the first quarter of 2015. The 49% of which the Company does not own is accounted for separately as noncontrolling interests within the consolidated financial statements. On May 8, 2015, the Company announced that the Bank filed an application with the New York State Department of Financial Services ("NYSDFS") and the Federal Deposit Insurance Corporation ("FDIC") to merge with the Bank's wholly-owned subsidiary, Pathfinder Commercial Bank, a New York State-chartered limited purpose commercial bank. Prior to or simultaneously with the merger, Pathfinder Commercial Bank's charter will be amended such that Pathfinder Commercial Bank will become a full-service commercial bank, rather than a limited purpose commercial bank, and its name will be changed to "Pathfinder Bank". The transaction is expected to be completed in the fourth quarter of 2015 and will not impact the current activities or investments of the Bank and Pathfinder Commercial Bank, although the Bank expects some annual cost savings as a result of the conversion.

New Accounting Pronouncements

New Accounting Pronouncements	9 Months Ended
	Sep. 30, 2015
New Accounting Pronouncements [Abstract]
New Accounting Pronouncements	Note 2: New Accounting Pronouncements In April 2015, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") ASU 2015-03 – Interest – Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs. This ASU addresses accounting for debt issuance costs and states that debt issuance costs related to a note shall be reported in the balance sheet as a direct deduction from the face amount of that note. The discount, premium, or debt issuance costs associated with that note shall not be classified as a deferred charge or credit. Amortization of discount or premium shall be reported as interest expense in the case of liabilities or as interest income in the case of assets. Amortization of debt issuance costs also shall be reported as interest expense. In July 2015, the FASB issued ASU 2015-12 – Plan Accounting: Defined Benefit Pension Plans (Topic 960), Defined Contribution Pension Plans (Topic 962), Health and Welfare Benefit Plans (Topic 965): (Part I) Fully Benefit-Responsive Investment Contracts, (Part II) Plan Investment Disclosures, (Part III) Measurement Date Practical Expedient (consensuses of the FASB Emerging Issues Task Force). The amendments in this ASU cover a range of topics related to accounting for, and disclosures related to, specific employee pension, retirement and welfare plans; The topics included in this ASU are: (1) accounting for fully benefit-responsive investment contracts, (2) new plan investment disclosures and (3) an expedient for entities that do not end their fiscal years on a calendar month end. The amendments are effective for all entities for fiscal years beginning after December 15, 2015, with earlier application permitted. These changes are not expected to have a significant effect on the Company's current accounting practices or create a significant administrative cost to most entities, including the Company. Therefore, the Company does not expect a material impact on its consolidated statements of condition, results of operations, or cash flows as a result of adopting this pronouncement.

Earnings per Common Share

Earnings per Common Share	9 Months Ended
	Sep. 30, 2015
Earnings per Common Share [Abstract]
Earnings per Common Share	Note 3: Earnings per Common Share Basic earnings per share are calculated by dividing net income available to common shareholders by the weighted average number of common shares outstanding during the period. Net income available to common shareholders is net income to Pathfinder Bancorp, Inc. less the total of preferred dividends declared. Diluted earnings per share include the potential dilutive effect that could occur upon the assumed exercise of issued stock options using the Treasury Stock method. Anti-dilutive stock options, not included in the computation below, were -0- for the three months ended September 30, 2015 and 5,491 for the nine months ended September 30, 2015 and 10,000 in the three and nine month periods ended September 30, 2014. Unallocated common shares held by the ESOP are not included in the weighted-average number of common shares outstanding for purposes of calculating earnings per common share until they are committed to be released to plan participants. The following table sets forth the calculation of basic and diluted earnings per share. Historical share and per share data have been adjusted by the exchange ratio of 1.6472 used in the Conversion and Offering. Three months ended Nine months ended September 30, September 30, (In thousands, except per share data) 2015 2014 2015 2014 Basic Earnings Per Common Share Net income available to common shareholders $ 852 $ 713 $ 2,011 $ 1,848 Weighted average common shares outstanding 4,126 4,179 4,120 4,172 Basic earnings per common share $ 0.21 $ 0.17 $ 0.49 $ 0.44 Diluted Earnings Per Common Share Net income available to common shareholders $ 852 $ 713 $ 2,011 $ 1,848 Weighted average common shares outstanding 4,126 4,179 4,120 4,172 Effect of assumed exercise of stock options 71 42 65 40 Diluted weighted average common shares outstanding 4,197 4,221 4,185 4,212 Diluted earnings per common share $ 0.20 $ 0.17 $ 0.48 $ 0.44

Investment Securities

Investment Securities	9 Months Ended
	Sep. 30, 2015
Investment Securities [Abstract]
Investment Securities	Note 4: Investment Securities The amortized cost and estimated fair value of investment securities are summarized as follows: September 30, 2015 Gross Gross Estimated Amortized Unrealized Unrealized Fair (In thousands) Cost Gains Losses Value Available-for-Sale Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 27,887 $ 58 $ (23 ) $ 27,922 State and political subdivisions 8,275 105 (6 ) 8,374 Corporate 18,257 97 (85 ) 18,269 Residential mortgage-backed - US agency 26,148 248 (129 ) 26,267 Collateralized mortgage obligations - US agency 14,819 152 (54 ) 14,917 Total 95,386 660 (297 ) 95,749 Equity investment securities: Mutual funds: Ultra short mortgage fund 643 1 - 644 Large cap equity fund 456 126 - 582 Other mutual funds 183 242 - 425 Common stock - financial services industry 583 24 - 607 Total 1,865 393 - 2,258 Total available-for-sale $ 97,251 $ 1,053 $ (297 ) $ 98,007 Held-to-Maturity Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 7,853 $ 129 $ (14 ) $ 7,968 State and political subdivisions 21,253 802 - 22,055 Corporate 3,421 158 (1 ) 3,578 Residential mortgage-backed - US agency 8,096 197 - 8,293 Collateralized mortgage obligations - US agency 2,911 147 - 3,058 Total held-to-maturity $ 43,534 $ 1,433 $ (15 ) $ 44,952 December 31, 2014 Gross Gross Estimated Amortized Unrealized Unrealized Fair (In thousands) Cost Gains Losses Value Available-for-Sale Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 17,896 $ 3 $ (149 ) $ 17,750 State and political subdivisions 8,346 110 (13 ) 8,443 Corporate 13,763 116 (19 ) 13,860 Residential mortgage-backed - US agency 30,321 403 (149 ) 30,575 Collateralized mortgage obligations - US agency 15,432 168 (124 ) 15,476 Total 85,758 800 (454 ) 86,104 Equity investment securities: Mutual funds: Ultra short mortgage fund 643 5 - 648 Large cap equity fund 456 193 - 649 Other mutual funds 183 196 - 379 Common stock - financial services industry 270 23 - 293 Total 1,552 417 - 1,969 Total available-for-sale $ 87,310 $ 1,217 $ (454 ) $ 88,073 Held-to-Maturity Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 4,834 $ 58 $ - $ 4,892 State and political subdivisions 22,610 824 (9 ) 23,425 Corporate 2,487 33 (17 ) 2,503 Residential mortgage-backed - US agency 8,043 242 - 8,285 Collateralized mortgage obligations - US agency 2,901 133 - 3,034 Total held-to-maturity $ 40,875 $ 1,290 $ (26 ) $ 42,139 The amortized cost and estimated fair value of debt investments at September 30, 2015 by contractual maturity are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalties. Available-for-Sale Held-to-Maturity Amortized Estimated Amortized Estimated (In thousands) Cost Fair Value Cost Fair Value Due in one year or less $ 6,527 $ 6,564 $ 195 $ 195 Due after one year through five years 38,699 38,803 8,674 8,787 Due after five years through ten years 8,213 8,204 17,010 17,535 Due after ten years 980 994 6,648 7,084 Sub-total 54,419 54,565 32,527 33,601 Residential mortgage-backed - US agency 26,148 26,267 8,096 8,293 Collateralized mortgage obligations - US agency 14,819 14,917 2,911 3,058 Totals $ 95,386 $ 95,749 $ 43,534 $ 44,952 The Company's investment securities' gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, are as follows: September 30, 2015 Less than twelve months Twelve months or more Total Number of Number of Number of Individual Unrealized Fair Individual Unrealized Fair Individual Unrealized Fair (Dollars in thousands) Securities Losses Value Securities Losses Value Securities Losses Value Available-for-Sale US Treasury, agencies and GSE's 3 $ (7 ) $ 2,996 3 $ (16 ) $ 2,982 6 (23 ) $ 5,978 State and political subdivisions 9 (4 ) 858 3 (2 ) 616 12 (6 ) 1,474 Corporate 7 (85 ) 7,291 - - - 7 (85 ) 7,291 Residential mortgage-backed - US agency 3 (32 ) 5,894 5 (97 ) 5,035 8 (129 ) 10,929 Collateralized mortgage obligations - US agency 2 (5 ) 1,209 3 (49 ) 1,881 5 (54 ) 3,090 Totals 24 $ (133 ) $ 18,248 14 $ (164 ) $ 10,514 38 $ (297 ) $ 28,762 Held-to-Maturity US Treasury, agencies and GSE's 1 $ (14 ) $ 1,985 - $ - $ - 1 (14 ) $ 1,985 State and political subdivisions - - - - - - - - - Corporate 1 (1 ) 228 - - - 1 (1 ) 228 Residential mortgage-backed - US agency - - - - - - - - - Collateralized mortgage obligations - US agency - - - - - - - - - Totals 2 $ (15 ) $ 2,213 - $ - $ - 2 $ (15 ) $ 2,213 December 31, 2014 Less than twelve months Twelve months or more Total Number of Number of Number of Individual Unrealized Fair Individual Unrealized Fair Individual Unrealized Fair (Dollars in thousands) Securities Losses Value Securities Losses Value Securities Losses Value Available-for-Sale US Treasury, agencies and GSE's 7 $ (18 ) $ 7,991 7 $ (131 ) $ 7,856 14 (149 ) $ 15,847 State and political subdivisions 19 (13 ) 3,047 1 - 90 20 (13 ) 3,137 Corporate 7 (19 ) 4,520 - - - 7 (19 ) 4,520 Residential mortgage-backed - US agency 2 (8 ) 1,424 6 (141 ) 6,256 8 (149 ) 7,680 Collateralized mortgage obligations - US agency 3 (22 ) 2,692 5 (102 ) 3,963 8 (124 ) 6,655 Totals 38 $ (80 ) $ 19,674 19 $ (374 ) $ 18,165 57 $ (454 ) $ 37,839 Held-to-Maturity US Treasury, agencies and GSE's - $ - $ - - $ - $ - - - $ - State and political subdivisions 1 (9 ) 1,463 - - - 1 (9 ) 1,463 Corporate 2 (17 ) 1,108 - - - 2 (17 ) 1,108 Residential mortgage-backed - US agency - - - - - - - - - Collateralized mortgage obligations - US agency - - - - - - - - - Totals 3 $ (26 ) $ 2,571 - $ - $ - 3 $ (26 ) $ 2,571 The Company conducts a formal review of investment securities on a quarterly basis for the presence of other-than-temporary impairment ("OTTI"). The Company assesses whether OTTI is present when the fair value of a debt security is less than its amortized cost basis at the statement of condition date. Under these circumstances, OTTI is considered to have occurred (1) if we intend to sell the security; (2) if it is "more likely than not" we will be required to sell the security before recovery of its amortized cost basis; or (3) the present value of expected cash flows is not anticipated to be sufficient to recover the entire amortized cost basis. The guidance requires that credit-related OTTI is recognized in earnings while non-credit-related OTTI on securities not expected to be sold is recognized in other comprehensive income ("OCI"). Non-credit-related OTTI is based on other factors, including illiquidity and changes in the general interest rate environment. Presentation of OTTI is made in the consolidated statement of income on a gross basis, including both the portion recognized in earnings as well as the portion recorded in OCI. The gross OTTI would then be offset by the amount of non-credit-related OTTI, showing the net as the impact on earnings. There were 40 securities in an unrealized loss position at September 30, 2015. Management does not believe any individual unrealized loss in the securities portfolio as of September 30, 2015 represents OTTI. Among these securities, 12 were issued by state and political subdivisions, primarily school districts. Each of these securities is an insured general obligation issue and have unrealized Among the 40 securities in an unrealized loss position at quarter end, there were 20 agency and mortgage-backed securities issued by the following entities sponsored and guaranteed by the United States Government: FNMA, FHLMC, FHLB and FFCB. These issuing entities are currently rated Aaa by Moody's Investor Services and AA+ by Standard and Poors. The eight corporate securities with market values less than their respective book values have all been in an unrealized loss position for nine months or less and represent declines in value of the original security carrying value of 2.78% or less as of September 30, 2015. All corporate securities currently in an unrealized loss position are A- rated or better by Standard and Poors. The unrealized losses reflected are primarily attributable to changes in interest rates since the securities were acquired. The C In determining whether OTTI has occurred for equity securities, the Company considers the applicable factors described above and the length of time the equity security's fair value has been below the carrying amount. Management has determined that we have the intent and ability to retain the equity securities for a sufficient period of time to allow for recovery. All of the Company's equity securities had a fair value greater than the book value at September 30, 2015. Gross realized gains (losses) on sales of securities for the indicated periods are detailed below: For the three months For the nine months ended September 30, ended September 30, (In thousands) 2015 2014 2015 2014 Realized gains $ 88 $ 3 $ 198 $ 29 Realized losses - - (10 ) - $ 88 $ 3 $ 188 $ 29 As of September 30, 2015 and December 31, 2014, securities with a fair value of $82.7 million and $66.7 million, respectively, were pledged to collateralize certain municipal deposit relationships. As of the same dates, securities with a fair value of $17.8 million and $19.9 million were pledged against certain borrowing arrangements. Management has reviewed its loan and mortgage-backed securities portfolios and determined that, to the best of its knowledge, little or no exposure exists to sub-prime or other high-risk residential mortgages. The Company is not in the practice of investing in, or originating, these types of investments or loans.

Pension and Postretirement Bene

Pension and Postretirement Benefits	9 Months Ended
	Sep. 30, 2015
Pension and Postretirement Benefits [Abstract]
Pension and Postretirement Benefits	Note 5: Pension and Postretirement Benefits The Company had a non-contributory defined benefit pension plan that covered substantially all employees. On May 14, 2012, the Company informed its employees of its decision to freeze participation and benefit accruals under the plan, primarily to reduce some of the volatility in earnings that can accompany the maintenance of a defined benefit plan. The freeze became effective June 30, 2012. Compensation earned by employees up to June 30, 2012 is used for purposes of calculating benefits under the plan but there will be no future benefit accruals after this date. Participants as of June 30, 2012, who continue to be employed by the Bank, continue to earn vesting credit with respect to their frozen accrued benefits. Prior to being frozen, the plan provided defined benefits based on years of service and final average salary. Although the plan was frozen, the Company maintains the responsibility for funding the plan, and its funding practice is to contribute at least the minimum amount annually to meet minimum funding requirements. The funded status of the plan has and will continue to be affected by market conditions. The Company expects to continue to fund this plan on an as needed basis and does not foresee any issues or conditions that could negatively impact the payment of benefit obligations to plan participants. In addition, the Company provides certain health and life insurance benefits for eligible retired employees. The healthcare plan is contributory with participants' contributions adjusted annually; the life insurance plan is noncontributory. Employees with less than 14 years of service as of January 1, 1995, are not eligible for the health and life insurance retirement benefits. In October 2014, the Society of Actuaries released new mortality tables with future mortality improvement assumptions which are expected to become the required standard for purposes of year end pension liability disclosures. As such, the Company has adopted the "White Collar" version of the new mortality tables which more closely approximates the Company's participants in the frozen defined benefit pension plan at December 31, 2014. The composition of net periodic pension plan and postretirement plan costs for the indicated periods is as follows: Pension Benefits Postretirement Benefits Pension Benefits Postretirement Benefits For the three months ended September 30, For the nine months ended September 30, (In thousands) 2015 2014 2015 2014 2015 2014 2015 2014 Service cost $ - $ - $ - $ - $ - $ - $ - $ - Interest cost 117 102 4 5 351 305 13 14 Expected return on plan assets (244 ) (236 ) - - (731 ) (707 ) - - Amortization of net losses 45 8 - 3 135 23 - 10 Net periodic benefit plan (benefit) cost $ (82 ) $ (126 ) $ 4 $ 8 $ (245 ) $ (379 ) $ 13 $ 24 The Company will evaluate the need for further contributions to the defined benefit pension plan during the fourth quarter of 2015. The prepaid pension asset is recorded in other assets on the statement of condition as of September 30, 2015.

Loans

Loans	9 Months Ended
	Sep. 30, 2015
Loans [Abstract]
Loans	Note 6: Loans Major classifications of loans at the indicated dates are as follows: September 30, December 31, (In thousands) 2015 2014 Residential mortgage loans: 1-4 family first-lien residential mortgages $ 179,146 $ 172,159 Construction 6,804 3,209 Total residential mortgage loans 185,950 175,368 Commercial loans: Real estate 126,931 125,952 Lines of credit 18,327 17,407 Other commercial and industrial 46,901 34,660 Tax exempt loans 9,195 7,201 Total commercial loans 201,354 185,220 Consumer loans: Home equity and junior liens 22,850 22,713 Other consumer 4,807 4,160 Total consumer loans 27,657 26,873 Total loans 414,961 387,461 Net deferred loan (fees) costs (166 ) 77 Less allowance for loan losses (5,732 ) (5,349 ) Loans receivable, net $ 409,063 $ 382,189 The Company primarily originates residential mortgage, commercial, and consumer loans largely to customers throughout Oswego and Onondaga counties within New York State. Although the Company has a diversified loan portfolio, a substantial portion of its borrowers' abilities to honor their loan contracts is dependent upon the counties' employment and economic conditions. As of September 30, 2015 and December 31, 2014, residential mortgage loans with a carrying value of $122.8 million and $121.1 million, respectively, have been pledged by the Company to the Federal Home Loan Bank of New York ("FHLBNY") under a blanket collateral agreement to secure the Company's line of credit and term borrowings. Loan Origination / Risk Management The Company's lending policies and procedures are presented in Note 5 to the audited consolidated financial statements included in the 2014 Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 18, 2015 and have not changed. To develop and document a systematic methodology for determining the allowance for loan losses, the Company has divided the loan portfolio into three portfolio segments, each with different risk characteristics but with similar methodologies for assessing risk. Each portfolio segment is broken down into loan classes where appropriate. Loan classes contain unique measurement attributes, risk characteristics, and methods for monitoring and assessing risk that are necessary to develop the allowance for loan losses. Unique characteristics such as borrower type, loan type, collateral type, and risk characteristics define each class. The following table illustrates the portfolio segments and classes for the Company's loan portfolio: Portfolio Segment Class Residential Mortgage Loans 1-4 family first-lien residential mortgages Construction Commercial Loans Real estate Lines of credit Other commercial and industrial Tax exempt loans Consumer Loans Home equity and junior liens Other consumer The following tables present the classes of the loan portfolio, not including net deferred loan costs, summarized by the aggregate pass rating and the classified ratings of special mention, substandard and doubtful within the Company's internal risk rating system as of the dates indicated: As of September 30, 2015 Special (In thousands) Pass Mention Substandard Doubtful Total Residential mortgage loans: 1-4 family first-lien residential mortgages $ 174,096 $ 1,761 $ 2,580 $ 709 $ 179,146 Construction 6,804 - - - 6,804 Total residential mortgage loans 180,900 1,761 2,580 709 185,950 Commercial loans: Real estate 119,075 3,097 4,472 287 126,931 Lines of credit 16,971 573 702 81 18,327 Other commercial and industrial 45,738 117 744 302 46,901 Tax exempt loans 9,195 - - - 9,195 Total commercial loans 190,979 3,787 5,918 670 201,354 Consumer loans: Home equity and junior liens 22,132 171 320 227 22,850 Other consumer 4,759 17 31 - 4,807 Total consumer loans 26,891 188 351 227 27,657 Total loans $ 398,770 $ 5,736 $ 8,849 $ 1,606 $ 414,961 As of December 31, 2014 Special (In thousands) Pass Mention Substandard Doubtful Total Residential mortgage loans: 1-4 family first-lien residential mortgages $ 166,352 $ 1,384 $ 3,370 $ 1,053 $ 172,159 Construction 3,209 - - - 3,209 Total residential mortgage loans 169,561 1,384 3,370 1,053 175,368 Commercial loans: Real estate 119,521 1,157 5,132 142 125,952 Lines of credit 16,310 451 646 - 17,407 Other commercial and industrial 33,258 434 941 27 34,660 Tax exempt loans 7,201 - - - 7,201 Total commercial loans 176,290 2,042 6,719 169 185,220 Consumer loans: Home equity and junior liens 21,722 333 574 84 22,713 Other consumer 4,113 10 37 - 4,160 Total consumer loans 25,835 343 611 84 26,873 Total loans $ 371,686 $ 3,769 $ 10,700 $ 1,306 $ 387,461 Management has reviewed its loan portfolio and determined that, to the best of its knowledge, no exposure exists to sub-prime or other high-risk residential mortgages. The Company is not in the practice of originating these types of loans. Nonaccrual and Past Due Loans Loans are placed on nonaccrual when the contractual payment of principal and interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan may be currently performing. Loans are considered past due if the required principal and interest payments have not been received within thirty days of the payment due date. An age analysis of past due loans, not including net deferred loan costs, segregated by portfolio segment and class of loans, as of September 30, 2015 and December 31, 2014, are detailed in the following tables: As of September 30, 2015 30-59 Days 60-89 Days 90 Days Past Due Past Due and Over Total Total Loans (In thousands) And Accruing And Accruing Past Due Current Receivable Residential mortgage loans: 1-4 family first-lien residential mortgages $ 1,741 $ 884 $ 1,083 $ 3,708 $ 175,438 $ 179,146 Construction - - - - 6,804 6,804 Total residential mortgage loans 1,741 884 1,083 3,708 182,242 185,950 Commercial loans: Real estate 1,372 149 2,941 4,462 122,469 126,931 Lines of credit 754 - 257 1,011 17,316 18,327 Other commercial and industrial 305 717 634 1,656 45,245 46,901 Tax exempt loans - - - - 9,195 9,195 Total commercial loans 2,431 866 3,832 7,129 194,225 201,354 Consumer loans: Home equity and junior liens 86 80 317 483 22,367 22,850 Other consumer 14 13 16 43 4,764 4,807 Total consumer loans 100 93 333 526 27,131 27,657 Total loans $ 4,272 $ 1,843 $ 5,248 $ 11,363 $ 403,598 $ 414,961 As of December 31, 2014 30-59 Days 60-89 Days Past Due Past Due 90 Days Total Total Loans (In thousands) And Accruing And Accruing And Over Past Due Current Receivable Residential mortgage loans: 1-4 family first-lien residential mortgages $ 1,455 $ 687 $ 1,902 $ 4,044 $ 168,115 $ 172,159 Construction - - - - 3,209 3,209 Total residential mortgage loans 1,455 687 1,902 4,044 171,324 175,368 Commercial loans: Real estate 1,462 32 3,547 5,041 120,911 125,952 Lines of credit 10 - 278 288 17,119 17,407 Other commercial and industrial 445 982 205 1,632 33,028 34,660 Tax exempt loans - - - - 7,201 7,201 Total commercial loans 1,917 1,014 4,030 6,961 178,259 185,220 Consumer loans: Home equity and junior liens 120 17 313 450 22,263 22,713 Other consumer 6 17 11 34 4,126 4,160 Total consumer loans 126 34 324 484 26,389 26,873 Total loans $ 3,498 $ 1,735 $ 6,256 $ 11,489 $ 375,972 $ 387,461 Nonaccrual loans, segregated by class of loan, were as follows: September 30, December 31, (In thousands) 2015 2014 Residential mortgage loans: 1-4 family first-lien residential mortgages $ 1,083 $ 1,902 1,083 1,902 Commercial loans: Real estate 2,941 3,547 Lines of credit 257 278 Other commercial and industrial 634 205 3,832 4,030 Consumer loans: Home equity and junior liens 317 313 Other consumer 16 11 333 324 Total nonaccrual loans $ 5,248 $ 6,256 There were no loans past due ninety days or more and still accruing interest at September 30, 2015 or December 31, 2014. The Company is required to disclose certain activities related to Troubled Debt Restructurings ("TDR"s) in accordance with accounting guidance. Certain loans have been modified in a TDR where economic concessions have been granted to a borrower who is experiencing, or expected to experience, financial difficulties. These economic concessions could include a reduction in the loan interest rate, extension of payment terms, reduction of principal amortization, or other actions that it would not otherwise consider for a new loan with similar risk characteristics. The Company is required to disclose new TDRs for each reporting period for which an income statement is being presented. The Company has determined that there were no new TDRs for the three month period ended September 30, 2015 and one new TDR in the nine month period ended September 30, 2015. · The modification made within the commercial real estate loan class resulted in a pre-modification and post-modification recorded investment of $678,000 and $324,000, respectively. Economic concessions granted included extended payment terms without an associated increase in collateral. The Company was required to increase the specific reserve against this loan by an additional $354,000, which was a component of the provision of loan losses in the second quarter of 2015. The Company has determined that there was one new TDR's for the nine month period ended September 30, 2014. · The modification made within the commercial real estate loan class resulted in a pre-modification and post-modification recorded investment of $74,000 and $96,000, respectively. The post-modification recorded investment included the funding of escrow and closing costs as a result of the restructuring. Economic concessions granted included extended interest only payment terms and an additional $100,000 for working capital without an associated increase in collateral. The TDR resulted in a loan balance of $565,000 with a specific reserve of $469,000, resulting in a recorded investment of $96,000. The Company was required to increase the specific reserve against this loan by an additional $108,000, which was a component of the provision for loan losses in the third quarter of 2014. The table below details loans that have been modified as TDRs during the twelve months prior to September 30, 2015, which have subsequently defaulted during the year ended September 30, 2015. (In thousands) Number of Contracts Recorded Investment Allowance for Loan Loss Other commercial and industrial 1 $ 240 $ 209 The Company had no loans that had been modified as TDRs during the twelve months prior to September 30, 2014, which had subsequently defaulted during the year ending September 30, 2014. When the Company modifies a loan within a portfolio segment, a potential impairment is analyzed either based on the present value of the expected future cash flows discounted at the interest rate of the original loan terms or the fair value of the collateral less costs to sell. If it is determined that the value of the loan is less than its recorded investment, then impairment is recognized as a component of the provision for loan losses, an associated increase to the allowance for loan losses or as a charge-off to the allowance for loan losses in the current period. Impaired Loans The following tables summarize impaired loan information by portfolio class at the indicated dates: September 30, 2015 December 31, 2014 Unpaid Unpaid Recorded Principal Related Recorded Principal Related (In thousands) Investment Balance Allowance Investment Balance Allowance With no related allowance recorded: 1-4 family first-lien residential mortgages $ 476 $ 476 $ - $ 1,138 $ 1,163 $ - Commercial real estate 2,316 2,427 - 2,083 2,154 - Commercial lines of credit 657 678 - 185 197 - Other commercial and industrial 689 719 - 335 356 - Home equity and junior liens - - - 21 21 - Other consumer 7 8 - - - - With an allowance recorded: 1-4 family first-lien residential mortgages - - - - - - Commercial real estate 2,206 2,299 826 2,927 2,972 552 Commercial lines of credit - - - 93 99 93 Other commercial and industrial 240 242 209 268 268 238 Home equity and junior liens 290 290 3 340 340 31 Other consumer - - - 11 11 3 Total: 1-4 family first-lien residential mortgages 476 476 - 1,138 1,163 - Commercial real estate 4,522 4,726 826 5,010 5,126 552 Commercial lines of credit 657 678 - 278 296 93 Other commercial and industrial 929 961 209 603 624 238 Home equity and junior liens 290 290 3 361 361 31 Other consumer 7 8 - 11 11 3 Totals $ 6,881 $ 7,139 $ 1,038 $ 7,401 $ 7,581 $ 917 The following table presents the average recorded investment in impaired loans for the periods indicated: For the three months ended For the nine months ended September 30, September 30, (In thousands) 2015 2014 2015 2014 1-4 family first-lien residential mortgages $ 477 $ 1,289 $ 720 $ 1,221 Commercial real estate 4,669 5,239 4,820 4,855 Commercial lines of credit 635 378 505 403 Other commercial and industrial 941 517 813 511 Home equity and junior liens 292 369 310 412 Other consumer 7 15 9 8 Total $ 7,021 $ 7,807 $ 7,177 $ 7,410 The following table presents the cash basis interest income recognized on impaired loans for the periods indicated: For the three months ended For the nine months ended September 30, September 30, (In thousands) 2015 2014 2015 2014 1-4 family first-lien residential mortgages $ 4 $ 4 $ 13 $ 13 Commercial real estate 21 59 71 114 Commercial lines of credit (3 ) 4 4 5 Other commercial and industrial 5 13 23 33 Home equity and junior liens - 4 4 10 Other consumer - - - - Total $ 27 $ 84 $ 115 $ 175

Allowance for Loan Losses

Allowance for Loan Losses	9 Months Ended
	Sep. 30, 2015
Allowance for Loan Losses [Abstract]
Allowance for Loan Losses	Note 7: Allowance for Loan Losses Summarized in the tables below are changes in the allowance for loan losses for the indicated periods and information pertaining to the allocation of the allowance for loan losses, balances of the allowance for loan losses, loans receivable based on individual, and collective impairment evaluation by loan portfolio class. An allocation of a portion of the allowance to a given portfolio class does not limit the Company's ability to absorb losses in another portfolio class. For the three months ended September 30, 2015 1-4 family first-lien Residential Other residential construction Commercial Commercial commercial (In thousands) mortgage mortgage real estate lines of credit and industrial Allowance for loan losses: Beginning Balance $ 544 $ - $ 3,288 $ 517 $ 1,110 Charge-offs (21 ) - (195 ) (150 ) - Recoveries 2 - - - 2 Provisions (13 ) - (62 ) 3 (55 ) Ending balance $ 512 $ - $ 3,031 $ 370 $ 1,057 Ending balance: related to loans individually evaluated for impairment - - 826 - 209 Ending balance: related to loans collectively evaluated for impairment $ 512 $ - $ 2,205 $ 370 $ 848 Loans receivables: Ending balance $ 179,146 $ 6,804 $ 126,931 $ 18,327 $ 46,901 Ending balance: individually evaluated for impairment 476 - 4,522 657 929 Ending balance: collectively evaluated for impairment $ 178,670 $ 6,804 $ 122,409 $ 17,670 $ 45,972 Home equity Other Municipal and junior liens Consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 5 $ 331 $ 105 $ - $ 5,900 Charge-offs - (11 ) (28 ) - (405 ) Recoveries - 1 12 - 17 Provisions (1 ) 7 18 323 220 Ending balance $ 4 $ 328 $ 107 $ 323 $ 5,732 Ending balance: related to loans individually evaluated for impairment - 3 - - 1,038 Ending balance: related to loans collectively evaluated for impairment $ 4 $ 325 $ 107 $ 323 $ 4,694 Loans receivables: Ending balance $ 9,195 $ 22,850 $ 4,807 $ 414,961 Ending balance: individually evaluated for impairment - 290 7 6,881 Ending balance: collectively evaluated for impairment $ 9,195 $ 22,560 $ 4,800 $ 408,080 For the nine months ended September 30, 2015 1-4 family first-lien Residential Other residential construction Commercial Commercial commercial (In thousands) mortgage mortgage real estate lines of credit and industrial Allowance for loan losses: Beginning Balance $ 509 $ - $ 2,801 $ 460 $ 1,034 Charge-offs (186 ) - (224 ) (160 ) (108 ) Recoveries 40 - - 36 7 Provisions 149 - 454 34 124 Ending balance $ 512 $ - $ 3,031 $ 370 $ 1,057 Home equity Other Tax exempt and junior liens consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 3 $ 388 $ 98 $ 56 $ 5,349 Charge-offs - (11 ) (60 ) - (749 ) Recoveries - 8 37 - 128 Provisions 1 (57 ) 32 267 1,004 Ending balance $ 4 $ 328 $ 107 $ 323 $ 5,732 For the three months ended September 30, 2014 1-4 family first-lien Residential Other residential construction Commercial Commercial commercial (In thousands) mortgage mortgage real estate lines of credit and industrial Allowance for loan losses: Beginning Balance $ 491 $ - $ 2,624 $ 554 $ 851 Charge-offs (26 ) - (256 ) (79 ) - Recoveries - - - - 3 Provisions 48 - 345 (28 ) 46 Ending balance $ 513 $ - $ 2,713 $ 447 $ 900 Ending balance: related to loans individually evaluated for impairment - - 643 95 116 Ending balance: related to loans collectively evaluated for impairment $ 513 $ - $ 2,070 $ 352 $ 784 Loans receivables: Ending balance $ 170,424 $ 1,896 $ 119,453 $ 16,568 $ 36,994 Ending balance: individually evaluated for impairment 1,266 - 5,218 288 529 Ending balance: collectively evaluated for impairment $ 169,158 $ 1,896 $ 114,235 $ 16,280 $ 36,465 Home equity Other Municipal and junior liens Consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 1 $ 422 $ 109 $ 114 $ 5,166 Charge-offs - (31 ) (24 ) - (416 ) Recoveries - 1 7 - 11 Provisions - (17 ) 7 9 410 Ending balance $ 1 $ 375 $ 99 $ 123 $ 5,171 Ending balance: related to loans individually evaluated for impairment - 33 5 - 892 Ending balance: related to loans collectively evaluated for impairment $ 1 $ 342 $ 94 $ 123 $ 4,279 Loans receivables: Ending balance $ 2,922 $ 21,724 $ 4,061 $ 374,042 Ending balance: individually evaluated for impairment - 365 14 7,680 Ending balance: collectively evaluated for impairment $ 2,922 $ 21,359 $ 4,047 $ 366,362 For the nine months ended September 30, 2014 1-4 family first-lien Residential Other residential construction Commercial Commercial commercial (In thousands) mortgage mortgage real estate lines of credit and industrial Allowance for loan losses: Beginning Balance $ 649 $ - $ 2,302 $ 397 $ 834 Charge-offs (68 ) - (303 ) (164 ) (153 ) Recoveries 1 - - 3 6 Provisions (69 ) - 714 211 213 Ending balance $ 513 $ - $ 2,713 $ 447 $ 900 Home equity Other Municipal and junior liens consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 2 $ 433 $ 136 $ 288 $ 5,041 Charge-offs - (81 ) (84 ) - (853 ) Recoveries - 1 42 - 53 Provisions (1 ) 22 5 (165 ) 930 Ending balance $ 1 $ 375 $ 99 $ 123 $ 5,171

Foreclosed Real Estate

Foreclosed Real Estate	9 Months Ended
	Sep. 30, 2015
Foreclosed Real Estate [Abstract]
Foreclosed Real Estate	Note 8: Foreclosed Real Estate The Company is required to disclose the carrying amount of foreclosed residential real estate properties held as a result of obtaining physical possession of the property at each reporting period. (Dollars in thousands) Number of properties September 30, 2015 Number of properties December 31, 2014 Foreclosed real estate Foreclosed residential mortgage loans 6 $ 341 4 $ 261 Foreclosed commercial real estate 2 131 - - Total 8 $ 472 4 $ 261 At September 30, 2015, the Company reported $149,000 in residential real estate loans in the process of foreclosure.

Guarantees

Guarantees	9 Months Ended
	Sep. 30, 2015
Guarantees [Abstract]
Guarantees	Note 9: Guarantees The Company does not issue any guarantees that would require liability recognition or disclosure, other than its standby letters of credit. Standby letters of credit written are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Generally, all letters of credit, when issued have expiration dates within one year. The credit risk involved in issuing letters of credit is essentially the same as those that are involved in extending loan facilities to customers. The Company generally holds collateral and/or personal guarantees supporting these commitments. The Company had $1.6 million of standby letters of credit as of September 30, 2015. Management believes that the proceeds obtained through a liquidation of collateral and the enforcement of guarantees would be sufficient to cover the potential amount of future payments required under the corresponding guarantees. The fair value of standby letters of credit was not significant to the Company's consolidated financial statements.

Fair Value Measurements

Fair Value Measurements	9 Months Ended
	Sep. 30, 2015
Fair Value Measurements [Abstract]
Fair Value Measurements	Note 10: Fair Value Measurements Accounting guidance related to fair value measurements and disclosures specifies a hierarchy of valuation techniques based on whether the inputs to those valuation techniques are observable or unobservable. Observable inputs reflect market data obtained from independent sources, while unobservable inputs reflect the Company's market assumptions. These two types of inputs have created the following fair value hierarchy: Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2 – Quoted prices for similar assets and liabilities in active markets; quoted prices for identical or similar assets or liabilities in markets that are not active; and model-derived valuations in which all significant inputs and significant value drivers are observable in active markets. Level 3 – Model-derived valuations in which one or more significant inputs or significant value drivers are unobservable. An asset's or liability's level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. In determining fair value, the Company utilizes valuation techniques that maximize the use of observable inputs, minimize the use of unobservable inputs, to the extent possible, and considers counterparty credit risk in its assessment of fair value. The Company used the following methods and significant assumptions to estimate fair value: Investment securities: The fair values of securities available-for-sale are obtained from an independent third party and are based on quoted prices on nationally recognized securities exchanges where available (Level 1). If quoted prices are not available, fair values are measured by utilizing matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for specific securities but rather by relying on the securities' relationship to other benchmark quoted securities (Level 2). Management made no adjustment to the fair value quotes that were received from the independent third party pricing service. During the third quarter of 2015, the Company purchased $313,000 in the common stock of a community-based financial institution that conducts its operations outside of the Company's primary market area. The purchase was in conjunction with a capital raise by the financial institution that attracted multiple investors. The stock of this financial institution is not traded on any exchange and there are no quoted market prices available for this security (Level 3). The security was purchased immediately before the measurement date at September 30, 2015. Commensurate with the timing of the purchase, this investment was valued at its acquisition cost, which was considered to be its fair value as of the measurement date. The Company had no securities of this type at December 31, 2014. Interest rate swap derivative: The fair value of the interest rate swap derivative is calculated based on a discounted cash flow model. All future floating cash flows are projected and both floating and fixed cash flows are discounted to the valuation date. The curve utilized for discounting and projecting is built by obtaining publicly available third party market quotes for various swap maturity terms. Impaired loans: Impaired loans are those loans in which the Company has measured impairment based on the fair value of the loan's collateral or the discounted value of expected future cash flows. Fair value is generally determined based upon market value evaluations by third parties of the properties and/or estimates by management of working capital collateral or discounted cash flows based upon expected proceeds. These appraisals may include up to three approaches to value: the sales comparison approach, the income approach (for income-producing property), and the cost approach. Management modifies the appraised values, if needed, to take into account recent developments in the market or other factors, such as, changes in absorption rates or market conditions from the time of valuation and anticipated sales values considering management's plans for disposition. Such modifications to the appraised values could result in lower valuations of such collateral. Estimated costs to sell are based on current amounts of disposal costs for similar assets. These measurements are classified as Level 3 within the valuation hierarchy. Impaired loans are subject to nonrecurring fair value adjustment upon initial recognition or subsequent impairment. A portion of the allowance for loan losses is allocated to impaired loans if the value of such loans is deemed to be less than the unpaid balance. Foreclosed real estate: Fair values for foreclosed real estate are initially recorded based on market value evaluations by third parties, less costs to sell ("initial cost basis"). Any write-downs required when the related loan receivable is exchanged for the underlying real estate collateral at the time of transfer to foreclosed real estate are charged to the allowance for loan losses. Values are derived from appraisals, similar to impaired loans, of underlying collateral or discounted cash flow analysis. Subsequent to foreclosure, valuations are updated periodically and assets are marked to current fair value, not to exceed the initial cost basis. In the determination of fair value subsequent to foreclosure, management also considers other factors or recent developments, such as, changes in absorption rates and market conditions from the time of valuation and anticipated sales values considering management's plans for disposition. Either change could result in adjustment to lower the property value estimates indicated in the appraisals. These measurements are classified as Level 3 within the fair value hierarchy. The following tables summarize assets measured at fair value on a recurring basis as of the indicated dates, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value: September 30, 2015 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Available-for-sale portfolio Debt investment securities: US Treasury, agencies and GSEs $ - $ 27,922 $ - $ 27,922 State and political subdivisions - 8,374 - 8,374 Corporate - 18,269 - 18,269 Residential mortgage-backed - US agency - 26,267 - 26,267 Collateralized mortgage obligations - US agency - 14,917 - 14,917 Equity investment securities: Mutual funds: Ultra short mortgage fund 644 - - 644 Large cap equity fund 582 - - 582 Other mutual funds - 425 - 425 Common stock - financial services industry 44 250 313 607 Total available-for-sale securities $ 1,270 $ 96,424 $ 313 $ 98,007 Interest rate swap derivative $ - $ (44 ) $ - $ (44 ) December 31, 2014 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Available-for-sale portfolio Debt investment securities: US Treasury, agencies and GSEs $ - $ 17,750 $ - $ 17,750 State and political subdivisions - 8,443 - 8,443 Corporate - 13,860 - 13,860 Residential mortgage-backed - US agency - 30,575 - 30,575 Collateralized mortgage obligations - US agency - 15,476 - 15,476 Equity investment securities: Mutual funds: Ultra short mortgage fund 648 - - 648 Large cap equity fund 649 - - 649 Other mutual funds - 379 - 379 Common stock - financial services industry 43 250 - 293 Total available-for-sale securities $ 1,340 $ 86,733 $ - $ 88,073 Interest rate swap derivative $ - $ (82 ) $ - $ (82 ) The changes in Level 3 assets and liabilities measured at estimated fair value on a recurring basis during the three months ended September 30, 2015 were as follows: (In thousands) Common Stock - Financial Services Industry Balance - June 30, 2015 $ - Total gains realized/unrealized: Included in earnings - Included in other comprehensive income - Settlements 313 Sales - Balance - September 30, 2015 $ 313 Changes in unrealized gains included in earnings related to assets still held at September 30, 2015 $ - The changes in Level 3 assets and liabilities measured at estimated fair value on a recurring basis during the nine months ended September 30, 2015 were as follows: (In thousands) Common Stock - Financial Services Industry Balance - December 31, 2014 $ - Total gains realized/unrealized: Included in earnings - Included in other comprehensive income - Settlements 313 Sales - Balance - September 30, 2015 $ 313 Changes in unrealized gains included in earnings related to assets still held at September 30, 2015 $ - The following table summarizes the valuation techniques and significant unobservable inputs used for the Company's investments that are categorized within Level 3 of the fair value hierarchy at the indicated dates. At September 30, 2015 Investment Type Fair Value Valuation Techniques Unobservable Input Weight (In thousands) Common Stock - financial services $ 313 Inputs to comparables Weight ascribed to comparable companies 100 % There were no investments held within Level 3 of the fair value hierarchy as of December 31, 2014. Pathfinder Bank had the following assets measured at fair value on a nonrecurring basis as of September 30, 2015 and December 31, 2014: September 30, 2015 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ - $ - $ 1,294 $ 1,294 Foreclosed real estate $ - $ - $ 435 $ 435 December 31, 2014 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ - $ - $ 1,277 $ 1,277 Foreclosed real estate $ - $ - $ 105 $ 105 The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which Level 3 inputs were used to determine fair value at the indicated dates. Quantitative Information about Level 3 Fair Value Measurements Valuation Unobservable Range Techniques Input (Weighted Avg.) At September 30, 2015 Impaired loans Appraisal of collateral Appraisal Adjustments 5% - 10% (8%) (Sales Approach) Costs to Sell 7% - 15% (13%) Discounted Cash Flow Foreclosed real estate Appraisal of collateral Appraisal Adjustments 15% - 15% (15%) (Sales Approach) Costs to Sell 6% - 8% (7%) Quantitative Information about Level 3 Fair Value Measurements Valuation Unobservable Range Techniques Input (Weighted Avg.) At December 31, 2014 Impaired loans Appraisal of collateral Appraisal Adjustments 5% - 25% (13%) (Sales Approach) Costs to Sell 6% - 50% (13%) Discounted Cash Flow Foreclosed real estate Appraisal of collateral Appraisal Adjustments 15% - 15% (15%) (Sales Approach) Costs to Sell 6% - 8% (7%) There have been no transfers of assets into or out of any fair value measurement level during the quarter ended September 30, 2015. Required disclosures include fair value information of financial instruments, whether or not recognized in the consolidated statement of condition, for which it is practicable to estimate that value. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instrument. The Company has various processes and controls in place to ensure that fair value is reasonably estimated. The Company performs due diligence procedures over third-party pricing service providers in order to support their use in the valuation process. While the Company believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. Management uses its best judgment in estimating the fair value of the Company's financial instruments; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates herein are not necessarily indicative of the amounts the Company could have realized in sales transactions on the dates indicated. The estimated fair value amounts have been measured as of their respective period-ends, and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates. As such, the estimated fair values of these financial instruments subsequent to the respective reporting dates may be different than the amounts reported at each period-end. The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company's assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company's disclosures and those of other companies may not be meaningful. The Company, in estimating its fair value disclosures for financial instruments, used the following methods and assumptions: Cash and cash equivalents – The carrying amounts of these assets approximate their fair value and are classified as Level 1. Investment securities – The fair values of securities available-for-sale and held-to-maturity are obtained from an independent third party and are based on quoted prices on nationally recognized exchange where available (Level 1). If quoted prices are not available, fair values are measured by utilizing matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for specific securities, but rather by relying on the securities' relationship to other benchmark quoted securities (Level 2). Management made no adjustment to the fair value quotes that were received from the independent third party pricing service. During the third quarter of 2015, the Company purchased $313,000 in the common stock of a community-based financial institution that conducts its operations outside of the Company's primary market area. The purchase was in conjunction with a capital raise by the financial institution that attracted multiple investors. The stock of this financial institution is not traded on any exchange and there are no quoted market prices available for this security (Level 3). The security was purchased immediately before the measurement date at September 30, 2015. Commensurate with the timing of the purchase, this investment was valued at its acquisition cost, which was considered to be its fair value as of the measurement date. The Company had no securities of this type at December 31, 2014. Federal Home Loan Bank stock – The carrying amount of these assets approximates their fair value and are classified as Level 2. Net loans – For variable-rate loans that re-price frequently, fair value is based on carrying amounts. The fair value of other loans (for example, fixed-rate commercial real estate loans, mortgage loans, and commercial and industrial loans) is estimated using discounted cash flow analysis, based on interest rates currently being offered in the market for loans with similar terms to borrowers of similar credit quality. Loan value estimates include judgments based on expected prepayment rates. The measurement of the fair value of loans, including impaired loans, is classified within Level 3 of the fair value hierarchy. Accrued interest receivable and payable – The carrying amount of these assets approximates their fair value and are classified as Level 1. Deposits – The fair values disclosed for demand deposits (e.g., interest-bearing and noninterest-bearing checking, passbook savings and certain types of money management accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts) and are classified within Level 1 of the fair value hierarchy. Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered in the market on certificates of deposits to a schedule of aggregated expected monthly maturities on time deposits. Measurements of the fair value of time deposits are classified within Level 2 of the fair value hierarchy. Borrowings – Fixed/variable term "bullet" structures are valued using a replacement cost of funds approach. These borrowings are discounted to the FHLBNY advance curve. Option structured borrowings' fair values are determined by the FHLB for borrowings that include a call or conversion option. If market pricing is not available from this source, current market indications from the FHLBNY are obtained and the borrowings are discounted to the FHLBNY advance curve less an appropriate spread to adjust for the option. These measurements are classified as Level 2 within the fair value hierarchy. Junior subordinated debentures – The Company secures a quote from its pricing service based on a discounted cash flow methodology which results in a Level 2 classification for this borrowing. Interest rate swap derivative – The fair value of the interest rate swap derivative is obtained from a third party pricing agent and is calculated based on a discounted cash flow model. All future floating cash flows are projected and both floating and fixed cash flows are discounted to the valuation date. The curve utilized for discounting and projecting is built by obtaining publicly available third party market quotes for various swap maturity terms, and therefore is classified within Level 2 of the fair value hierarchy. The carrying amounts and fair values of the Company's financial instruments as of the indicated dates are presented in the following table: September 30, 2015 December 31, 2014 Fair Value Carrying Estimated Carrying Estimated (Dollars In thousands) Hierarchy Amounts Fair Values Amounts Fair Values Financial assets: Cash and cash equivalents 1 $ 17,374 $ 17,374 $ 11,356 $ 11,356 Investment securities - available-for-sale 1 1,270 1,270 1,340 1,340 Investment securities - available-for-sale 2 96,424 96,424 86,733 86,733 Investment securities - available-for-sale 3 313 313 - - Investment securities - held-to-maturity 2 43,534 44,952 40,875 42,139 Federal Home Loan Bank stock 2 1,881 1,881 3,454 3,454 Net loans 3 409,063 415,965 382,189 388,151 Accrued interest receivable 1 2,082 2,082 1,849 1,849 Financial liabilities: Demand Deposits, Savings, NOW and MMDA 1 $ 324,385 $ 324,385 $ 263,004 $ 263,004 Time Deposits 2 171,957 172,183 152,564 152,457 Borrowings 2 29,225 29,359 66,100 66,282 Junior subordinated debentures 2 5,155 4,385 5,155 4,799 Accrued interest payable 1 50 50 63 63 Interest rate swap derivative 2 44 44 82 82

Interest Rate Derivatives

Interest Rate Derivatives	9 Months Ended
	Sep. 30, 2015
Interest Rate Derivatives [Abstract]
Interest Rate Derivatives	Note 11: Interest Rate Derivatives Derivative instruments are entered into primarily as a risk management tool of the Company. Financial derivatives are recorded at fair value as other liabilities. The accounting for changes in the fair value of a derivative depends on whether it has been designated and qualifies as part of a hedging relationship. For a fair value hedge, changes in the fair value of the derivative instrument and changes in the fair value of the hedged asset or liability are recognized currently in earnings. For a cash flow hedge, changes in the fair value of the derivative instrument, to the extent that it is effective, are recorded in other comprehensive income and subsequently reclassified to earnings as the hedged transaction impacts net income. Any ineffective portion of a cash flow hedge is recognized currently in earnings. See Note 10 for further discussion of the fair value of the interest rate derivative. The Company has $5.0 million of floating rate trust preferred debt indexed to 3-month LIBOR. As a result, it is exposed to variability in cash flows related to changes in projected interest payments caused by changes in the benchmark interest rate. During the fourth quarter of fiscal 2009, the Company entered into an interest rate swap agreement, with a $2.0 million notional amount, to convert a portion of the variable-rate junior subordinated debentures to a fixed rate for a term of approximately seven years at a rate of 4.96%. The derivative is designated as a cash flow hedge. The hedging strategy ensures that changes in cash flows from the derivative will be highly effective at offsetting changes in interest expense from the hedged exposure. The following table summarizes the fair value of the outstanding derivative and its presentation on the statements of condition: September 30, December 31, (In thousands) 2015 2014 Cash flow hedge: Other liabilities $ 44 $ 82 The change in accumulated other comprehensive loss on a pretax basis and the impact on earnings from the interest rate swap that qualifies as a cash flow hedge for the periods indicated below were as follows: Three months ended September 30, (In thousands) 2015 2014 Balance as of June 30: $ (57 ) $ (112 ) Amount of gains/(losses) recognized in other comprehensive income (2 ) 2 Amount of loss reclassified from other comprehensive income and recognized as interest expense 15 16 Balance as of September 30: $ (44 ) $ (94 ) Nine months ended September 30, (In thousands) 2015 2014 Balance as of December 31: $ (82 ) $ (135 ) Amount of losses recognized in other comprehensive income (8 ) (6 ) Amount of loss reclassified from other comprehensive income and recognized as interest expense 46 47 Balance as of September 30: $ (44 ) $ (94 ) No amount of ineffectiveness has been included in earnings and the changes in fair value have been recorded in other comprehensive (loss) income. Some, or all, of the amount included in accumulated other comprehensive (loss) income would be reclassified into current earnings should a portion of, or the entire hedge no longer be considered effective, but at this time, management expects the hedge to remain fully effective during the remaining term of the swap. The Company posted cash of $201,000 under arrangements to satisfy collateral requirements associated with the interest rate swap contract.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	9 Months Ended
	Sep. 30, 2015
Accumulated Other Comprehensive Income (Loss) [Abstract]
Accumulated Other Comprehensive Income (Loss)	Note 12: Accumulated Other Comprehensive Income (Loss) Changes in the components of accumulated other comprehensive income (loss) ("AOCI"), net of tax, for the periods indicated are summarized in the table below. For the three months ended September 30, 2015 (In thousands) Retirement Plans Unrealized Gains and Losses on Financial Derivative Unrealized Gains and Losses on Available-for-Sale Securities Unrealized Loss on Securities Transferred to Held-to-Maturity Total Beginning balance $ (1,740 ) $ (34 ) $ 149 $ (694 ) $ (2,319 ) Other comprehensive (loss) income before reclassifications - (1 ) 356 20 375 Amounts reclassified from AOCI 27 9 (52 ) - (16 ) Ending balance $ (1,713 ) $ (26 ) $ 453 $ (674 ) $ (1,960 ) For the nine months ended September 30, 2015 (In thousands) Retirement Plans Unrealized Gains and Losses on Financial derivative Unrealized Gains and Losses on Available-for-Sale Securities Unrealized Loss on Securities Transferred to Held-to-Maturity Total Beginning balance $ (1,794 ) $ (49 ) $ 457 $ (733 ) $ (2,119 ) Other comprehensive (loss) income before reclassifications - (5 ) 109 59 163 Amounts reclassified from AOCI 81 28 (113 ) - (4 ) Ending balance $ (1,713 ) $ (26 ) $ 453 $ (674 ) $ (1,960 ) For the three months ended September 30, 2014 (In thousands) Retirement Plans Unrealized Gains and Losses on Financial derivative Unrealized Gains and Losses on Available-for-Sale Securities Unrealized Loss on Securities Transferred to Held-to-Maturity Total Beginning balance $ (969 ) $ (67 ) $ 461 $ (745 ) $ (1,320 ) Other comprehensive (loss) income before reclassifications - - (42 ) 17 (25 ) Amounts reclassified from AOCI 7 10 (2 ) - 15 Ending balance $ (962 ) $ (57 ) $ 417 $ (728 ) $ (1,330 ) For the nine months ended September 30, 2014 (In thousands) Retirement Plans Unrealized Gains and Losses on Financial derivative Unrealized Gains and Losses on Available-for-Sale Securities Securities reclassified from AFS to HTM Total Beginning balance $ (982 ) $ (81 ) $ 99 $ (781 ) (1,745 ) Other comprehensive (loss) income before reclassifications - (4 ) 335 53 384 Amounts reclassified from AOCI 20 28 (17 ) - 31 Ending balance $ (962 ) $ (57 ) $ 417 $ (728 ) $ (1,330 ) The following table presents the amounts reclassified out of each component of AOCI for the indicated period: Amount Reclassified Amount Reclassified from AOCI 1 from AOCI 1 (Unaudited) (Unaudited) (In thousands) For the three months ended For the nine months ended Details about AOCI 1 September 30, 2015 September 30, 2014 Affected Line Item in the Statement of Income September 30, 2015 September 30, 2014 Unrealized holding gain on financial derivative: Reclassification adjustment for interest expense included in net income $ (15 ) $ (16 ) Interest on long term borrowings $ (46 ) $ (47 ) 6 6 Provision for income taxes 18 19 $ (9 ) $ (10 ) Net Income $ (28 ) $ (28 ) Retirement plan items Retirement plan net losses recognized in plan expenses 2 $ (45 ) $ (11 ) Salaries and employee benefits $ (135 ) $ (33 ) 18 4 Provision for income taxes 54 13 $ (27 ) $ (7 ) Net Income $ (81 ) $ (20 ) Available-for-sale securities Realized gain on sale of securities $ 88 $ 3 Net gains on sales and redemptions of investment securities $ 188 $ 29 (36 ) (1 ) Provision for income taxes (75 ) (12 ) $ 52 $ 2 Net Income $ 113 $ 17 1 2 See Note 5 for additional information.

Subsequent Events

Subsequent Events	9 Months Ended
	Sep. 30, 2015
Subsequent Events [Abstract]
Subsequent Events [Text Block]	Note 13: Subsequent Events On October 15, 2015, the Company executed a $10.0 million non-amortizing subordinated loan agreement (the "Subordinated Loan") with an unrelated third party that is scheduled to mature on October 15, 2025. The Company has the right to prepay the Subordinated Note at any time after October 15, 2020 without penalty. The terms of the Subordinated Loan call for interest payments at an annual interest rate of 3.50% from October 15, 2015 to February 29, 2016. The annual interest rate charged the Company will increase to 6.25% on March 1, 2016. The Subordinated Loan is senior in the Company's credit repayment hierarchy only to the Company's common equity and, as a result, qualifies as Tier 2 capital for all future periods when applicable. The Company paid $161,000 in origination and legal fees as part of this transaction. These fees will be amortized over the life of the Subordinated Loan through its first call date using the effective interest method. The effective cost of funds related to this transaction is 6.46% calculated under this method. The Company's management intends to use a portion of the proceeds from the Subordinated Loan for general corporate purposes and a portion of the proceeds to support the repayment of $13.0 million of the existing variable rate, non-cumulative perpetual senior preferred stock issued through the SBLF (the "preferred stock"). Due to certain restrictions imposed on the Company at the time that the preferred stock was issued, the timetable for repaying the SBLF and consequently retiring the preferred stock cannot be determined at this time. The issuance of the Subordinated Note will increase interest expense by $646,000 per year but this increase in interest expense will likely be offset by a decrease in interest expense and/or preferred stock dividend distributions associated with reductions in other obligations of the Company including the preferred stock. The timing and amount of those interest expense savings and preferred dividend distribution reductions cannot be definitively determined at this time.

Earnings per Common Share (Tabl

Earnings per Common Share (Tables)	9 Months Ended
	Sep. 30, 2015
Earnings per Common Share [Abstract]
Calculations of Basic and Diluted Earnings per Share	The following table sets forth the calculation of basic and diluted earnings per share. Historical share and per share data have been adjusted by the exchange ratio of 1.6472 used in the Conversion and Offering. Three months ended Nine months ended September 30, September 30, (In thousands, except per share data) 2015 2014 2015 2014 Basic Earnings Per Common Share Net income available to common shareholders $ 852 $ 713 $ 2,011 $ 1,848 Weighted average common shares outstanding 4,126 4,179 4,120 4,172 Basic earnings per common share $ 0.21 $ 0.17 $ 0.49 $ 0.44 Diluted Earnings Per Common Share Net income available to common shareholders $ 852 $ 713 $ 2,011 $ 1,848 Weighted average common shares outstanding 4,126 4,179 4,120 4,172 Effect of assumed exercise of stock options 71 42 65 40 Diluted weighted average common shares outstanding 4,197 4,221 4,185 4,212 Diluted earnings per common share $ 0.20 $ 0.17 $ 0.48 $ 0.44

Investment Securities (Tables)

Investment Securities (Tables)	9 Months Ended
	Sep. 30, 2015
Investment Securities [Abstract]
Amortized Cost and Estimated Fair Value of Investment Securities	The amortized cost and estimated fair value of investment securities are summarized as follows: September 30, 2015 Gross Gross Estimated Amortized Unrealized Unrealized Fair (In thousands) Cost Gains Losses Value Available-for-Sale Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 27,887 $ 58 $ (23 ) $ 27,922 State and political subdivisions 8,275 105 (6 ) 8,374 Corporate 18,257 97 (85 ) 18,269 Residential mortgage-backed - US agency 26,148 248 (129 ) 26,267 Collateralized mortgage obligations - US agency 14,819 152 (54 ) 14,917 Total 95,386 660 (297 ) 95,749 Equity investment securities: Mutual funds: Ultra short mortgage fund 643 1 - 644 Large cap equity fund 456 126 - 582 Other mutual funds 183 242 - 425 Common stock - financial services industry 583 24 - 607 Total 1,865 393 - 2,258 Total available-for-sale $ 97,251 $ 1,053 $ (297 ) $ 98,007 Held-to-Maturity Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 7,853 $ 129 $ (14 ) $ 7,968 State and political subdivisions 21,253 802 - 22,055 Corporate 3,421 158 (1 ) 3,578 Residential mortgage-backed - US agency 8,096 197 - 8,293 Collateralized mortgage obligations - US agency 2,911 147 - 3,058 Total held-to-maturity $ 43,534 $ 1,433 $ (15 ) $ 44,952 December 31, 2014 Gross Gross Estimated Amortized Unrealized Unrealized Fair (In thousands) Cost Gains Losses Value Available-for-Sale Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 17,896 $ 3 $ (149 ) $ 17,750 State and political subdivisions 8,346 110 (13 ) 8,443 Corporate 13,763 116 (19 ) 13,860 Residential mortgage-backed - US agency 30,321 403 (149 ) 30,575 Collateralized mortgage obligations - US agency 15,432 168 (124 ) 15,476 Total 85,758 800 (454 ) 86,104 Equity investment securities: Mutual funds: Ultra short mortgage fund 643 5 - 648 Large cap equity fund 456 193 - 649 Other mutual funds 183 196 - 379 Common stock - financial services industry 270 23 - 293 Total 1,552 417 - 1,969 Total available-for-sale $ 87,310 $ 1,217 $ (454 ) $ 88,073 Held-to-Maturity Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 4,834 $ 58 $ - $ 4,892 State and political subdivisions 22,610 824 (9 ) 23,425 Corporate 2,487 33 (17 ) 2,503 Residential mortgage-backed - US agency 8,043 242 - 8,285 Collateralized mortgage obligations - US agency 2,901 133 - 3,034 Total held-to-maturity $ 40,875 $ 1,290 $ (26 ) $ 42,139
Amortized Cost and Estimated Fair Value of Debt Investments by Contractual Maturity	The amortized cost and estimated fair value of debt investments at September 30, 2015 by contractual maturity are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalties. Available-for-Sale Held-to-Maturity Amortized Estimated Amortized Estimated (In thousands) Cost Fair Value Cost Fair Value Due in one year or less $ 6,527 $ 6,564 $ 195 $ 195 Due after one year through five years 38,699 38,803 8,674 8,787 Due after five years through ten years 8,213 8,204 17,010 17,535 Due after ten years 980 994 6,648 7,084 Sub-total 54,419 54,565 32,527 33,601 Residential mortgage-backed - US agency 26,148 26,267 8,096 8,293 Collateralized mortgage obligations - US agency 14,819 14,917 2,911 3,058 Totals $ 95,386 $ 95,749 $ 43,534 $ 44,952
Investment Securities' Gross Unrealized Losses and Fair Value by Investment Category and Length of Time that Individual Securities Have Continuous Unrealized Loss Position	The Company's investment securities' gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, are as follows: September 30, 2015 Less than twelve months Twelve months or more Total Number of Number of Number of Individual Unrealized Fair Individual Unrealized Fair Individual Unrealized Fair (Dollars in thousands) Securities Losses Value Securities Losses Value Securities Losses Value Available-for-Sale US Treasury, agencies and GSE's 3 $ (7 ) $ 2,996 3 $ (16 ) $ 2,982 6 (23 ) $ 5,978 State and political subdivisions 9 (4 ) 858 3 (2 ) 616 12 (6 ) 1,474 Corporate 7 (85 ) 7,291 - - - 7 (85 ) 7,291 Residential mortgage-backed - US agency 3 (32 ) 5,894 5 (97 ) 5,035 8 (129 ) 10,929 Collateralized mortgage obligations - US agency 2 (5 ) 1,209 3 (49 ) 1,881 5 (54 ) 3,090 Totals 24 $ (133 ) $ 18,248 14 $ (164 ) $ 10,514 38 $ (297 ) $ 28,762 Held-to-Maturity US Treasury, agencies and GSE's 1 $ (14 ) $ 1,985 - $ - $ - 1 (14 ) $ 1,985 State and political subdivisions - - - - - - - - - Corporate 1 (1 ) 228 - - - 1 (1 ) 228 Residential mortgage-backed - US agency - - - - - - - - - Collateralized mortgage obligations - US agency - - - - - - - - - Totals 2 $ (15 ) $ 2,213 - $ - $ - 2 $ (15 ) $ 2,213 December 31, 2014 Less than twelve months Twelve months or more Total Number of Number of Number of Individual Unrealized Fair Individual Unrealized Fair Individual Unrealized Fair (Dollars in thousands) Securities Losses Value Securities Losses Value Securities Losses Value Available-for-Sale US Treasury, agencies and GSE's 7 $ (18 ) $ 7,991 7 $ (131 ) $ 7,856 14 (149 ) $ 15,847 State and political subdivisions 19 (13 ) 3,047 1 - 90 20 (13 ) 3,137 Corporate 7 (19 ) 4,520 - - - 7 (19 ) 4,520 Residential mortgage-backed - US agency 2 (8 ) 1,424 6 (141 ) 6,256 8 (149 ) 7,680 Collateralized mortgage obligations - US agency 3 (22 ) 2,692 5 (102 ) 3,963 8 (124 ) 6,655 Totals 38 $ (80 ) $ 19,674 19 $ (374 ) $ 18,165 57 $ (454 ) $ 37,839 Held-to-Maturity US Treasury, agencies and GSE's - $ - $ - - $ - $ - - - $ - State and political subdivisions 1 (9 ) 1,463 - - - 1 (9 ) 1,463 Corporate 2 (17 ) 1,108 - - - 2 (17 ) 1,108 Residential mortgage-backed - US agency - - - - - - - - - Collateralized mortgage obligations - US agency - - - - - - - - - Totals 3 $ (26 ) $ 2,571 - $ - $ - 3 $ (26 ) $ 2,571
Gross Realized Gains (Losses) on Sale of Securities	Gross realized gains (losses) on sales of securities for the indicated periods are detailed below: For the three months For the nine months ended September 30, ended September 30, (In thousands) 2015 2014 2015 2014 Realized gains $ 88 $ 3 $ 198 $ 29 Realized losses - - (10 ) - $ 88 $ 3 $ 188 $ 29

Pension and Postretirement Be24

Pension and Postretirement Benefits (Tables)	9 Months Ended
	Sep. 30, 2015
Pension and Postretirement Benefits [Abstract]
Composition of Net Periodic Pension and Postretirement Plan Costs	The composition of net periodic pension plan and postretirement plan costs for the indicated periods is as follows: Pension Benefits Postretirement Benefits Pension Benefits Postretirement Benefits For the three months ended September 30, For the nine months ended September 30, (In thousands) 2015 2014 2015 2014 2015 2014 2015 2014 Service cost $ - $ - $ - $ - $ - $ - $ - $ - Interest cost 117 102 4 5 351 305 13 14 Expected return on plan assets (244 ) (236 ) - - (731 ) (707 ) - - Amortization of net losses 45 8 - 3 135 23 - 10 Net periodic benefit plan (benefit) cost $ (82 ) $ (126 ) $ 4 $ 8 $ (245 ) $ (379 ) $ 13 $ 24

Loans (Tables)

Loans (Tables)	9 Months Ended
	Sep. 30, 2015
Loans [Abstract]
Major Classification of Loans	Major classifications of loans at the indicated dates are as follows: September 30, December 31, (In thousands) 2015 2014 Residential mortgage loans: 1-4 family first-lien residential mortgages $ 179,146 $ 172,159 Construction 6,804 3,209 Total residential mortgage loans 185,950 175,368 Commercial loans: Real estate 126,931 125,952 Lines of credit 18,327 17,407 Other commercial and industrial 46,901 34,660 Tax exempt loans 9,195 7,201 Total commercial loans 201,354 185,220 Consumer loans: Home equity and junior liens 22,850 22,713 Other consumer 4,807 4,160 Total consumer loans 27,657 26,873 Total loans 414,961 387,461 Net deferred loan (fees) costs (166 ) 77 Less allowance for loan losses (5,732 ) (5,349 ) Loans receivable, net $ 409,063 $ 382,189
Summary of Classes of Loan Portfolio	The following tables present the classes of the loan portfolio, not including net deferred loan costs, summarized by the aggregate pass rating and the classified ratings of special mention, substandard and doubtful within the Company's internal risk rating system as of the dates indicated: As of September 30, 2015 Special (In thousands) Pass Mention Substandard Doubtful Total Residential mortgage loans: 1-4 family first-lien residential mortgages $ 174,096 $ 1,761 $ 2,580 $ 709 $ 179,146 Construction 6,804 - - - 6,804 Total residential mortgage loans 180,900 1,761 2,580 709 185,950 Commercial loans: Real estate 119,075 3,097 4,472 287 126,931 Lines of credit 16,971 573 702 81 18,327 Other commercial and industrial 45,738 117 744 302 46,901 Tax exempt loans 9,195 - - - 9,195 Total commercial loans 190,979 3,787 5,918 670 201,354 Consumer loans: Home equity and junior liens 22,132 171 320 227 22,850 Other consumer 4,759 17 31 - 4,807 Total consumer loans 26,891 188 351 227 27,657 Total loans $ 398,770 $ 5,736 $ 8,849 $ 1,606 $ 414,961 As of December 31, 2014 Special (In thousands) Pass Mention Substandard Doubtful Total Residential mortgage loans: 1-4 family first-lien residential mortgages $ 166,352 $ 1,384 $ 3,370 $ 1,053 $ 172,159 Construction 3,209 - - - 3,209 Total residential mortgage loans 169,561 1,384 3,370 1,053 175,368 Commercial loans: Real estate 119,521 1,157 5,132 142 125,952 Lines of credit 16,310 451 646 - 17,407 Other commercial and industrial 33,258 434 941 27 34,660 Tax exempt loans 7,201 - - - 7,201 Total commercial loans 176,290 2,042 6,719 169 185,220 Consumer loans: Home equity and junior liens 21,722 333 574 84 22,713 Other consumer 4,113 10 37 - 4,160 Total consumer loans 25,835 343 611 84 26,873 Total loans $ 371,686 $ 3,769 $ 10,700 $ 1,306 $ 387,461
Age Analysis of Past Due Loans Segregated by Portfolio Segment and Class of Loans	An age analysis of past due loans, not including net deferred loan costs, segregated by portfolio segment and class of loans, as of September 30, 2015 and December 31, 2014, are detailed in the following tables: As of September 30, 2015 30-59 Days 60-89 Days 90 Days Past Due Past Due and Over Total Total Loans (In thousands) And Accruing And Accruing Past Due Current Receivable Residential mortgage loans: 1-4 family first-lien residential mortgages $ 1,741 $ 884 $ 1,083 $ 3,708 $ 175,438 $ 179,146 Construction - - - - 6,804 6,804 Total residential mortgage loans 1,741 884 1,083 3,708 182,242 185,950 Commercial loans: Real estate 1,372 149 2,941 4,462 122,469 126,931 Lines of credit 754 - 257 1,011 17,316 18,327 Other commercial and industrial 305 717 634 1,656 45,245 46,901 Tax exempt loans - - - - 9,195 9,195 Total commercial loans 2,431 866 3,832 7,129 194,225 201,354 Consumer loans: Home equity and junior liens 86 80 317 483 22,367 22,850 Other consumer 14 13 16 43 4,764 4,807 Total consumer loans 100 93 333 526 27,131 27,657 Total loans $ 4,272 $ 1,843 $ 5,248 $ 11,363 $ 403,598 $ 414,961 As of December 31, 2014 30-59 Days 60-89 Days Past Due Past Due 90 Days Total Total Loans (In thousands) And Accruing And Accruing And Over Past Due Current Receivable Residential mortgage loans: 1-4 family first-lien residential mortgages $ 1,455 $ 687 $ 1,902 $ 4,044 $ 168,115 $ 172,159 Construction - - - - 3,209 3,209 Total residential mortgage loans 1,455 687 1,902 4,044 171,324 175,368 Commercial loans: Real estate 1,462 32 3,547 5,041 120,911 125,952 Lines of credit 10 - 278 288 17,119 17,407 Other commercial and industrial 445 982 205 1,632 33,028 34,660 Tax exempt loans - - - - 7,201 7,201 Total commercial loans 1,917 1,014 4,030 6,961 178,259 185,220 Consumer loans: Home equity and junior liens 120 17 313 450 22,263 22,713 Other consumer 6 17 11 34 4,126 4,160 Total consumer loans 126 34 324 484 26,389 26,873 Total loans $ 3,498 $ 1,735 $ 6,256 $ 11,489 $ 375,972 $ 387,461
Nonaccrual Loans Segregated by Class of Loan	Nonaccrual loans, segregated by class of loan, were as follows: September 30, December 31, (In thousands) 2015 2014 Residential mortgage loans: 1-4 family first-lien residential mortgages $ 1,083 $ 1,902 1,083 1,902 Commercial loans: Real estate 2,941 3,547 Lines of credit 257 278 Other commercial and industrial 634 205 3,832 4,030 Consumer loans: Home equity and junior liens 317 313 Other consumer 16 11 333 324 Total nonaccrual loans $ 5,248 $ 6,256
Loans Modified as TDRs	The table below details loans that have been modified as TDRs during the twelve months prior to September 30, 2015, which have subsequently defaulted during the year ended September 30, 2015. (In thousands) Number of Contracts Recorded Investment Allowance for Loan Loss Other commercial and industrial 1 $ 240 $ 209
Summary of Impaired Loans Information by Portfolio Class	The following tables summarize impaired loan information by portfolio class at the indicated dates: September 30, 2015 December 31, 2014 Unpaid Unpaid Recorded Principal Related Recorded Principal Related (In thousands) Investment Balance Allowance Investment Balance Allowance With no related allowance recorded: 1-4 family first-lien residential mortgages $ 476 $ 476 $ - $ 1,138 $ 1,163 $ - Commercial real estate 2,316 2,427 - 2,083 2,154 - Commercial lines of credit 657 678 - 185 197 - Other commercial and industrial 689 719 - 335 356 - Home equity and junior liens - - - 21 21 - Other consumer 7 8 - - - - With an allowance recorded: 1-4 family first-lien residential mortgages - - - - - - Commercial real estate 2,206 2,299 826 2,927 2,972 552 Commercial lines of credit - - - 93 99 93 Other commercial and industrial 240 242 209 268 268 238 Home equity and junior liens 290 290 3 340 340 31 Other consumer - - - 11 11 3 Total: 1-4 family first-lien residential mortgages 476 476 - 1,138 1,163 - Commercial real estate 4,522 4,726 826 5,010 5,126 552 Commercial lines of credit 657 678 - 278 296 93 Other commercial and industrial 929 961 209 603 624 238 Home equity and junior liens 290 290 3 361 361 31 Other consumer 7 8 - 11 11 3 Totals $ 6,881 $ 7,139 $ 1,038 $ 7,401 $ 7,581 $ 917
Average Recorded Investment in Impaired Loans	The following table presents the average recorded investment in impaired loans for the periods indicated: For the three months ended For the nine months ended September 30, September 30, (In thousands) 2015 2014 2015 2014 1-4 family first-lien residential mortgages $ 477 $ 1,289 $ 720 $ 1,221 Commercial real estate 4,669 5,239 4,820 4,855 Commercial lines of credit 635 378 505 403 Other commercial and industrial 941 517 813 511 Home equity and junior liens 292 369 310 412 Other consumer 7 15 9 8 Total $ 7,021 $ 7,807 $ 7,177 $ 7,410 The following table presents the cash basis interest income recognized on impaired loans for the periods indicated: For the three months ended For the nine months ended September 30, September 30, (In thousands) 2015 2014 2015 2014 1-4 family first-lien residential mortgages $ 4 $ 4 $ 13 $ 13 Commercial real estate 21 59 71 114 Commercial lines of credit (3 ) 4 4 5 Other commercial and industrial 5 13 23 33 Home equity and junior liens - 4 4 10 Other consumer - - - - Total $ 27 $ 84 $ 115 $ 175
Cash Basis Interest Income Recognized on Impaired Loans	The following table presents the average recorded investment in impaired loans for the periods indicated: For the three months ended For the nine months ended September 30, September 30, (In thousands) 2015 2014 2015 2014 1-4 family first-lien residential mortgages $ 477 $ 1,289 $ 720 $ 1,221 Commercial real estate 4,669 5,239 4,820 4,855 Commercial lines of credit 635 378 505 403 Other commercial and industrial 941 517 813 511 Home equity and junior liens 292 369 310 412 Other consumer 7 15 9 8 Total $ 7,021 $ 7,807 $ 7,177 $ 7,410 The following table presents the cash basis interest income recognized on impaired loans for the periods indicated: For the three months ended For the nine months ended September 30, September 30, (In thousands) 2015 2014 2015 2014 1-4 family first-lien residential mortgages $ 4 $ 4 $ 13 $ 13 Commercial real estate 21 59 71 114 Commercial lines of credit (3 ) 4 4 5 Other commercial and industrial 5 13 23 33 Home equity and junior liens - 4 4 10 Other consumer - - - - Total $ 27 $ 84 $ 115 $ 175

Allowance for Loan Losses (Tabl

Allowance for Loan Losses (Tables)	9 Months Ended
	Sep. 30, 2015
Allowance for Loan Losses [Abstract]
Changes in the Allowance for Loan Losses	Summarized in the tables below are changes in the allowance for loan losses for the indicated periods and information pertaining to the allocation of the allowance for loan losses, balances of the allowance for loan losses, loans receivable based on individual, and collective impairment evaluation by loan portfolio class. An allocation of a portion of the allowance to a given portfolio class does not limit the Company's ability to absorb losses in another portfolio class. For the three months ended September 30, 2015 1-4 family first-lien Residential Other residential construction Commercial Commercial commercial (In thousands) mortgage mortgage real estate lines of credit and industrial Allowance for loan losses: Beginning Balance $ 544 $ - $ 3,288 $ 517 $ 1,110 Charge-offs (21 ) - (195 ) (150 ) - Recoveries 2 - - - 2 Provisions (13 ) - (62 ) 3 (55 ) Ending balance $ 512 $ - $ 3,031 $ 370 $ 1,057 Ending balance: related to loans individually evaluated for impairment - - 826 - 209 Ending balance: related to loans collectively evaluated for impairment $ 512 $ - $ 2,205 $ 370 $ 848 Loans receivables: Ending balance $ 179,146 $ 6,804 $ 126,931 $ 18,327 $ 46,901 Ending balance: individually evaluated for impairment 476 - 4,522 657 929 Ending balance: collectively evaluated for impairment $ 178,670 $ 6,804 $ 122,409 $ 17,670 $ 45,972 Home equity Other Municipal and junior liens Consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 5 $ 331 $ 105 $ - $ 5,900 Charge-offs - (11 ) (28 ) - (405 ) Recoveries - 1 12 - 17 Provisions (1 ) 7 18 323 220 Ending balance $ 4 $ 328 $ 107 $ 323 $ 5,732 Ending balance: related to loans individually evaluated for impairment - 3 - - 1,038 Ending balance: related to loans collectively evaluated for impairment $ 4 $ 325 $ 107 $ 323 $ 4,694 Loans receivables: Ending balance $ 9,195 $ 22,850 $ 4,807 $ 414,961 Ending balance: individually evaluated for impairment - 290 7 6,881 Ending balance: collectively evaluated for impairment $ 9,195 $ 22,560 $ 4,800 $ 408,080 For the nine months ended September 30, 2015 1-4 family first-lien Residential Other residential construction Commercial Commercial commercial (In thousands) mortgage mortgage real estate lines of credit and industrial Allowance for loan losses: Beginning Balance $ 509 $ - $ 2,801 $ 460 $ 1,034 Charge-offs (186 ) - (224 ) (160 ) (108 ) Recoveries 40 - - 36 7 Provisions 149 - 454 34 124 Ending balance $ 512 $ - $ 3,031 $ 370 $ 1,057 Home equity Other Tax exempt and junior liens consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 3 $ 388 $ 98 $ 56 $ 5,349 Charge-offs - (11 ) (60 ) - (749 ) Recoveries - 8 37 - 128 Provisions 1 (57 ) 32 267 1,004 Ending balance $ 4 $ 328 $ 107 $ 323 $ 5,732 For the three months ended September 30, 2014 1-4 family first-lien Residential Other residential construction Commercial Commercial commercial (In thousands) mortgage mortgage real estate lines of credit and industrial Allowance for loan losses: Beginning Balance $ 491 $ - $ 2,624 $ 554 $ 851 Charge-offs (26 ) - (256 ) (79 ) - Recoveries - - - - 3 Provisions 48 - 345 (28 ) 46 Ending balance $ 513 $ - $ 2,713 $ 447 $ 900 Ending balance: related to loans individually evaluated for impairment - - 643 95 116 Ending balance: related to loans collectively evaluated for impairment $ 513 $ - $ 2,070 $ 352 $ 784 Loans receivables: Ending balance $ 170,424 $ 1,896 $ 119,453 $ 16,568 $ 36,994 Ending balance: individually evaluated for impairment 1,266 - 5,218 288 529 Ending balance: collectively evaluated for impairment $ 169,158 $ 1,896 $ 114,235 $ 16,280 $ 36,465 Home equity Other Municipal and junior liens Consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 1 $ 422 $ 109 $ 114 $ 5,166 Charge-offs - (31 ) (24 ) - (416 ) Recoveries - 1 7 - 11 Provisions - (17 ) 7 9 410 Ending balance $ 1 $ 375 $ 99 $ 123 $ 5,171 Ending balance: related to loans individually evaluated for impairment - 33 5 - 892 Ending balance: related to loans collectively evaluated for impairment $ 1 $ 342 $ 94 $ 123 $ 4,279 Loans receivables: Ending balance $ 2,922 $ 21,724 $ 4,061 $ 374,042 Ending balance: individually evaluated for impairment - 365 14 7,680 Ending balance: collectively evaluated for impairment $ 2,922 $ 21,359 $ 4,047 $ 366,362 For the nine months ended September 30, 2014 1-4 family first-lien Residential Other residential construction Commercial Commercial commercial (In thousands) mortgage mortgage real estate lines of credit and industrial Allowance for loan losses: Beginning Balance $ 649 $ - $ 2,302 $ 397 $ 834 Charge-offs (68 ) - (303 ) (164 ) (153 ) Recoveries 1 - - 3 6 Provisions (69 ) - 714 211 213 Ending balance $ 513 $ - $ 2,713 $ 447 $ 900 Home equity Other Municipal and junior liens consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 2 $ 433 $ 136 $ 288 $ 5,041 Charge-offs - (81 ) (84 ) - (853 ) Recoveries - 1 42 - 53 Provisions (1 ) 22 5 (165 ) 930 Ending balance $ 1 $ 375 $ 99 $ 123 $ 5,171

Foreclosed Real Estate (Tables)

Foreclosed Real Estate (Tables)	9 Months Ended
	Sep. 30, 2015
Foreclosed Real Estate [Abstract]
Carrying Amount of Foreclosed Residential Real Estate Properties Held	The Company is required to disclose the carrying amount of foreclosed residential real estate properties held as a result of obtaining physical possession of the property at each reporting period. (Dollars in thousands) Number of properties September 30, 2015 Number of properties December 31, 2014 Foreclosed real estate Foreclosed residential mortgage loans 6 $ 341 4 $ 261 Foreclosed commercial real estate 2 131 - - Total 8 $ 472 4 $ 261

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2015
Fair Value Measurements [Abstract]
Fair Value of Assets on Recurring Basis Segregated by Level of Valuation Inputs	The following tables summarize assets measured at fair value on a recurring basis as of the indicated dates, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value: September 30, 2015 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Available-for-sale portfolio Debt investment securities: US Treasury, agencies and GSEs $ - $ 27,922 $ - $ 27,922 State and political subdivisions - 8,374 - 8,374 Corporate - 18,269 - 18,269 Residential mortgage-backed - US agency - 26,267 - 26,267 Collateralized mortgage obligations - US agency - 14,917 - 14,917 Equity investment securities: Mutual funds: Ultra short mortgage fund 644 - - 644 Large cap equity fund 582 - - 582 Other mutual funds - 425 - 425 Common stock - financial services industry 44 250 313 607 Total available-for-sale securities $ 1,270 $ 96,424 $ 313 $ 98,007 Interest rate swap derivative $ - $ (44 ) $ - $ (44 ) December 31, 2014 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Available-for-sale portfolio Debt investment securities: US Treasury, agencies and GSEs $ - $ 17,750 $ - $ 17,750 State and political subdivisions - 8,443 - 8,443 Corporate - 13,860 - 13,860 Residential mortgage-backed - US agency - 30,575 - 30,575 Collateralized mortgage obligations - US agency - 15,476 - 15,476 Equity investment securities: Mutual funds: Ultra short mortgage fund 648 - - 648 Large cap equity fund 649 - - 649 Other mutual funds - 379 - 379 Common stock - financial services industry 43 250 - 293 Total available-for-sale securities $ 1,340 $ 86,733 $ - $ 88,073 Interest rate swap derivative $ - $ (82 ) $ - $ (82 )
Fair Value, Assets and Liabilities Measured on Recurring Basis	The changes in Level 3 assets and liabilities measured at estimated fair value on a recurring basis during the three months ended September 30, 2015 were as follows: (In thousands) Common Stock - Financial Services Industry Balance - June 30, 2015 $ - Total gains realized/unrealized: Included in earnings - Included in other comprehensive income - Settlements 313 Sales - Balance - September 30, 2015 $ 313 Changes in unrealized gains included in earnings related to assets still held at September 30, 2015 $ - The changes in Level 3 assets and liabilities measured at estimated fair value on a recurring basis during the nine months ended September 30, 2015 were as follows: (In thousands) Common Stock - Financial Services Industry Balance - December 31, 2014 $ - Total gains realized/unrealized: Included in earnings - Included in other comprehensive income - Settlements 313 Sales - Balance - September 30, 2015 $ 313 Changes in unrealized gains included in earnings related to assets still held at September 30, 2015 $ -
Summary of Assets Measured at Fair Value on a Nonrecurring Basis Segregated by Level of Valuation Inputs	The following table summarizes the valuation techniques and significant unobservable inputs used for the Company's investments that are categorized within Level 3 of the fair value hierarchy at the indicated dates. At September 30, 2015 Investment Type Fair Value Valuation Techniques Unobservable Input Weight (In thousands) Common Stock - financial services $ 313 Inputs to comparables Weight ascribed to comparable companies 100 % There were no investments held within Level 3 of the fair value hierarchy as of December 31, 2014. Pathfinder Bank had the following assets measured at fair value on a nonrecurring basis as of September 30, 2015 and December 31, 2014: September 30, 2015 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ - $ - $ 1,294 $ 1,294 Foreclosed real estate $ - $ - $ 435 $ 435 December 31, 2014 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ - $ - $ 1,277 $ 1,277 Foreclosed real estate $ - $ - $ 105 $ 105
Fair Value Inputs, Quantitative Information	The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which Level 3 inputs were used to determine fair value at the indicated dates. Quantitative Information about Level 3 Fair Value Measurements Valuation Unobservable Range Techniques Input (Weighted Avg.) At September 30, 2015 Impaired loans Appraisal of collateral Appraisal Adjustments 5% - 10% (8%) (Sales Approach) Costs to Sell 7% - 15% (13%) Discounted Cash Flow Foreclosed real estate Appraisal of collateral Appraisal Adjustments 15% - 15% (15%) (Sales Approach) Costs to Sell 6% - 8% (7%) Quantitative Information about Level 3 Fair Value Measurements Valuation Unobservable Range Techniques Input (Weighted Avg.) At December 31, 2014 Impaired loans Appraisal of collateral Appraisal Adjustments 5% - 25% (13%) (Sales Approach) Costs to Sell 6% - 50% (13%) Discounted Cash Flow Foreclosed real estate Appraisal of collateral Appraisal Adjustments 15% - 15% (15%) (Sales Approach) Costs to Sell 6% - 8% (7%)
Carrying Amounts and Fair Value of Financial Instruments	The carrying amounts and fair values of the Company's financial instruments as of the indicated dates are presented in the following table: September 30, 2015 December 31, 2014 Fair Value Carrying Estimated Carrying Estimated (Dollars In thousands) Hierarchy Amounts Fair Values Amounts Fair Values Financial assets: Cash and cash equivalents 1 $ 17,374 $ 17,374 $ 11,356 $ 11,356 Investment securities - available-for-sale 1 1,270 1,270 1,340 1,340 Investment securities - available-for-sale 2 96,424 96,424 86,733 86,733 Investment securities - available-for-sale 3 313 313 - - Investment securities - held-to-maturity 2 43,534 44,952 40,875 42,139 Federal Home Loan Bank stock 2 1,881 1,881 3,454 3,454 Net loans 3 409,063 415,965 382,189 388,151 Accrued interest receivable 1 2,082 2,082 1,849 1,849 Financial liabilities: Demand Deposits, Savings, NOW and MMDA 1 $ 324,385 $ 324,385 $ 263,004 $ 263,004 Time Deposits 2 171,957 172,183 152,564 152,457 Borrowings 2 29,225 29,359 66,100 66,282 Junior subordinated debentures 2 5,155 4,385 5,155 4,799 Accrued interest payable 1 50 50 63 63 Interest rate swap derivative 2 44 44 82 82

Interest Rate Derivatives (Tabl

Interest Rate Derivatives (Tables)	9 Months Ended
	Sep. 30, 2015
Interest Rate Derivatives [Abstract]
Fair Value Outstanding Derivatives	The following table summarizes the fair value of the outstanding derivative and its presentation on the statements of condition: September 30, December 31, (In thousands) 2015 2014 Cash flow hedge: Other liabilities $ 44 $ 82
Change in Accumulated Other Comprehensive Loss on Pretax Basis and Impact on Earnings from Interest Rate Swap	The change in accumulated other comprehensive loss on a pretax basis and the impact on earnings from the interest rate swap that qualifies as a cash flow hedge for the periods indicated below were as follows: Three months ended September 30, (In thousands) 2015 2014 Balance as of June 30: $ (57 ) $ (112 ) Amount of gains/(losses) recognized in other comprehensive income (2 ) 2 Amount of loss reclassified from other comprehensive income and recognized as interest expense 15 16 Balance as of September 30: $ (44 ) $ (94 ) Nine months ended September 30, (In thousands) 2015 2014 Balance as of December 31: $ (82 ) $ (135 ) Amount of losses recognized in other comprehensive income (8 ) (6 ) Amount of loss reclassified from other comprehensive income and recognized as interest expense 46 47 Balance as of September 30: $ (44 ) $ (94 )

Accumulated Other Comprehensi30

Accumulated Other Comprehensive Income (Loss) (Tables)	9 Months Ended
	Sep. 30, 2015
Accumulated Other Comprehensive Income (Loss) [Abstract]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax	Changes in the components of accumulated other comprehensive income (loss) ("AOCI"), net of tax, for the periods indicated are summarized in the table below. For the three months ended September 30, 2015 (In thousands) Retirement Plans Unrealized Gains and Losses on Financial Derivative Unrealized Gains and Losses on Available-for-Sale Securities Unrealized Loss on Securities Transferred to Held-to-Maturity Total Beginning balance $ (1,740 ) $ (34 ) $ 149 $ (694 ) $ (2,319 ) Other comprehensive (loss) income before reclassifications - (1 ) 356 20 375 Amounts reclassified from AOCI 27 9 (52 ) - (16 ) Ending balance $ (1,713 ) $ (26 ) $ 453 $ (674 ) $ (1,960 ) For the nine months ended September 30, 2015 (In thousands) Retirement Plans Unrealized Gains and Losses on Financial derivative Unrealized Gains and Losses on Available-for-Sale Securities Unrealized Loss on Securities Transferred to Held-to-Maturity Total Beginning balance $ (1,794 ) $ (49 ) $ 457 $ (733 ) $ (2,119 ) Other comprehensive (loss) income before reclassifications - (5 ) 109 59 163 Amounts reclassified from AOCI 81 28 (113 ) - (4 ) Ending balance $ (1,713 ) $ (26 ) $ 453 $ (674 ) $ (1,960 ) For the three months ended September 30, 2014 (In thousands) Retirement Plans Unrealized Gains and Losses on Financial derivative Unrealized Gains and Losses on Available-for-Sale Securities Unrealized Loss on Securities Transferred to Held-to-Maturity Total Beginning balance $ (969 ) $ (67 ) $ 461 $ (745 ) $ (1,320 ) Other comprehensive (loss) income before reclassifications - - (42 ) 17 (25 ) Amounts reclassified from AOCI 7 10 (2 ) - 15 Ending balance $ (962 ) $ (57 ) $ 417 $ (728 ) $ (1,330 ) For the nine months ended September 30, 2014 (In thousands) Retirement Plans Unrealized Gains and Losses on Financial derivative Unrealized Gains and Losses on Available-for-Sale Securities Securities reclassified from AFS to HTM Total Beginning balance $ (982 ) $ (81 ) $ 99 $ (781 ) (1,745 ) Other comprehensive (loss) income before reclassifications - (4 ) 335 53 384 Amounts reclassified from AOCI 20 28 (17 ) - 31 Ending balance $ (962 ) $ (57 ) $ 417 $ (728 ) $ (1,330 )
Schedule of Amounts Reclassified Out of Each Component of AOCI	The following table presents the amounts reclassified out of each component of AOCI for the indicated period: Amount Reclassified Amount Reclassified from AOCI 1 from AOCI 1 (Unaudited) (Unaudited) (In thousands) For the three months ended For the nine months ended Details about AOCI 1 September 30, 2015 September 30, 2014 Affected Line Item in the Statement of Income September 30, 2015 September 30, 2014 Unrealized holding gain on financial derivative: Reclassification adjustment for interest expense included in net income $ (15 ) $ (16 ) Interest on long term borrowings $ (46 ) $ (47 ) 6 6 Provision for income taxes 18 19 $ (9 ) $ (10 ) Net Income $ (28 ) $ (28 ) Retirement plan items Retirement plan net losses recognized in plan expenses 2 $ (45 ) $ (11 ) Salaries and employee benefits $ (135 ) $ (33 ) 18 4 Provision for income taxes 54 13 $ (27 ) $ (7 ) Net Income $ (81 ) $ (20 ) Available-for-sale securities Realized gain on sale of securities $ 88 $ 3 Net gains on sales and redemptions of investment securities $ 188 $ 29 (36 ) (1 ) Provision for income taxes (75 ) (12 ) $ 52 $ 2 Net Income $ 113 $ 17 1 2 See Note 5 for additional information.

Basis of Presentation (Details)

Basis of Presentation (Details)	Sep. 30, 2015
Basis of Presentation [Abstract]
Membership interest own in Fitzgibbons through subsidiary	51.00%
Consolidation of membership interest in Fitzgibbons	100.00%
Noncontrolling interest by subsidiary	49.00%

Earnings per Common Share (Deta

Earnings per Common Share (Details) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015USD ($)$ / sharesshares	Sep. 30, 2014USD ($)$ / sharesshares	Sep. 30, 2015USD ($)$ / sharesshares	Sep. 30, 2014USD ($)$ / sharesshares
Earnings per Common Share [Abstract]
Anti-dilutive stock options (in shares)	0	10,000	5,491	10,000
Exchange ratio			1.6472
Basic Earnings Per Common Share [Abstract]
Net income available to common shareholders | $	$ 852	$ 713	$ 2,011	$ 1,848
Weighted average common shares outstanding (in shares)	4,126,000	4,179,000	4,120,000	4,172,000
Basic earnings per common share (in dollars per share) | $ / shares	$ 0.21	$ 0.17	$ 0.49	$ 0.44
Diluted Earnings Per Common Share [Abstract]
Net income available to common shareholders | $	$ 852	$ 713	$ 2,011	$ 1,848
Weighted average common shares outstanding (in shares)	4,126,000	4,179,000	4,120,000	4,172,000
Effect of assumed exercise of stock options (in shares)	71,000	42,000	65,000	40,000
Diluted weighted average common shares outstanding (in shares)	4,197,000	4,221,000	4,185,000	4,212,000
Diluted earnings per common share (in dollar per share) | $ / shares	$ 0.20	$ 0.17	$ 0.48	$ 0.44

Investment Securities (Details)

Investment Securities (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015USD ($)Security	Sep. 30, 2014USD ($)	Sep. 30, 2015USD ($)Security	Sep. 30, 2014USD ($)	Dec. 31, 2014USD ($)Security
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	$ 95,386		$ 95,386
Total investment securities, amortized cost basis	97,251		97,251		$ 87,310
Gross Unrealized Gains	1,053		1,053		1,217
Gross Unrealized Losses	(297)		(297)		(454)
Estimated Fair Value	$ 98,007		$ 98,007		88,073
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Number of securities in unrealized loss positions | Security	40		40
Maximum percentage of securities general obligation to issue immaterial losses	1.26%		1.26%
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, debt maturities, Amortized Cost	$ 43,534		$ 43,534		40,875
Held to maturity, gross unrealized gains	1,433		1,433		1,290
Held to maturity, gross unrealized losses	(15)		(15)		(26)
Held-to-maturity Securities, Debt Maturities, Fair Value	44,952		44,952		42,139
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(15)		(15)		(26)
Twelve months or more Unrealized Losses	0		0		0
Total Unrealized Losses	(15)		(15)		(26)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	2,213		2,213		2,571
Twelve months or more Fair Value	0		0		0
Total Fair Value	$ 2,213		$ 2,213		$ 2,571
Number of securities in unrealized loss positions, less than twelve months | Security	2		2		3
Number of securities in unrealized loss positions, twelve months or more | Security	0		0		0
Number of securities in unrealized loss positions | Security	2		2		3
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Due in one year or less	$ 6,527		$ 6,527
Due after one year through five years	38,699		38,699
Due after five years through ten years	8,213		8,213
Due after ten years	980		980
Sub-total	54,419		54,419
Residential mortgage-backed - US agency	26,148		26,148
Collateralized mortgage obligations - US agency	14,819		14,819
Totals, amortized cost	95,386		95,386
Available-for-sale securities, debt maturities, Estimated Fair Value [Abstract]
Due in one year or less	6,564		6,564
Due after one year through five years	38,803		38,803
Due after five years through ten years	8,204		8,204
Due after ten years	994		994
Sub-total	54,565		54,565
Residential mortgage-backed - US agency	26,267		26,267
Collateralized mortgage obligations - US agency	14,917		14,917
Available-for-sale securities, debt maturities, fair value, totals	95,749		95,749
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Due in one year or less	195		195
Due after one year through five years	8,674		8,674
Due after five years through ten years	17,010		17,010
Due after ten years	6,648		6,648
Sub-total	32,527		32,527
Residential mortgage-backed - US agency	8,096		8,096
Collateralized mortgage obligations - US agency	2,911		2,911
Held-to-maturity securities, debt maturities, Amortized Cost	43,534		43,534		$ 40,875
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Due in one year or less	195		195
Due after one year through five years	8,787		8,787
Due after five years through ten years	17,535		17,535
Due after ten years	7,084		7,084
Sub-total	33,601		33,601
Residential mortgage-backed - US agency	8,293		8,293
Collateralized mortgage obligations - US agency	3,058		3,058
Held-to-maturity Securities, Debt Maturities, Fair Value	44,952		44,952		42,139
Gain (Loss) on Sale of Investments [Abstract]
Realized gains	88	$ 3	198	$ 29
Realized losses	0	0	(10)	0
Total	88	$ 3	188	$ 29
Securities Pledged to Collateralize Deposit	82,700		82,700		66,700
Securities Pledged to Collateralize Borrowing	17,800		17,800		19,900
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	95,386		95,386		85,758
Gross Unrealized Gains, Debt investment securities	660		660		800
Gross Unrealized Losses, Debt investment securities	(297)		(297)		(454)
Available-for-sale Securities, Debt investment securities	95,749		95,749		86,104
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(133)		(133)		(80)
Twelve months or more Unrealized Losses	(164)		(164)		(374)
Total Unrealized Losses	(297)		(297)		(454)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	18,248		18,248		19,674
Twelve months or more Fair Value	10,514		10,514		18,165
Total Fair Value	$ 28,762		$ 28,762		$ 37,839
Number of securities in unrealized loss positions, less than twelve months | Security	24		24		38
Number of securities in unrealized loss positions, twelve months or more | Security	14		14		19
Number of securities in unrealized loss positions | Security	38		38		57
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 95,386		$ 95,386		$ 85,758
US Treasury, Agencies and GSEs [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	27,887		27,887		17,896
Gross Unrealized Gains, Debt investment securities	58		58		3
Gross Unrealized Losses, Debt investment securities	(23)		(23)		(149)
Available-for-sale Securities, Debt investment securities	27,922		27,922		17,750
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(7)		(7)		(18)
Twelve months or more Unrealized Losses	(16)		(16)		(131)
Total Unrealized Losses	(23)		(23)		(149)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	2,996		2,996		7,991
Twelve months or more Fair Value	2,982		2,982		7,856
Total Fair Value	$ 5,978		$ 5,978		$ 15,847
Number of securities in unrealized loss positions, less than twelve months | Security	3		3		7
Number of securities in unrealized loss positions, twelve months or more | Security	3		3		7
Number of securities in unrealized loss positions | Security	6		6		14
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 27,887		$ 27,887		$ 17,896
State and Political Subdivisions [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	8,275		8,275		8,346
Gross Unrealized Gains, Debt investment securities	105		105		110
Gross Unrealized Losses, Debt investment securities	(6)		(6)		(13)
Available-for-sale Securities, Debt investment securities	8,374		8,374		8,443
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(4)		(4)		(13)
Twelve months or more Unrealized Losses	(2)		(2)		0
Total Unrealized Losses	(6)		(6)		(13)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	858		858		3,047
Twelve months or more Fair Value	616		616		90
Total Fair Value	$ 1,474		$ 1,474		$ 3,137
Number of securities in unrealized loss positions, less than twelve months | Security	9		9		19
Number of securities in unrealized loss positions, twelve months or more | Security	3		3		1
Number of securities in unrealized loss positions | Security	12		12		20
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 8,275		$ 8,275		$ 8,346
Corporate [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	18,257		18,257		13,763
Gross Unrealized Gains, Debt investment securities	97		97		116
Gross Unrealized Losses, Debt investment securities	(85)		(85)		(19)
Available-for-sale Securities, Debt investment securities	18,269		18,269		13,860
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(85)		(85)		(19)
Twelve months or more Unrealized Losses	0		0		0
Total Unrealized Losses	(85)		(85)		(19)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	7,291		7,291		4,520
Twelve months or more Fair Value	0		0		0
Total Fair Value	$ 7,291		$ 7,291		$ 4,520
Number of securities in unrealized loss positions, less than twelve months | Security	7		7		7
Number of securities in unrealized loss positions, twelve months or more | Security	0		0		0
Number of securities in unrealized loss positions | Security	7		7		7
Securities in insignificant unrealized loss position to current value	2.78%		2.78%
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 18,257		$ 18,257		$ 13,763
Residential Mortgage-Backed - US Agency [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	26,148		26,148		30,321
Gross Unrealized Gains, Debt investment securities	248		248		403
Gross Unrealized Losses, Debt investment securities	(129)		(129)		(149)
Available-for-sale Securities, Debt investment securities	26,267		26,267		30,575
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(32)		(32)		(8)
Twelve months or more Unrealized Losses	(97)		(97)		(141)
Total Unrealized Losses	(129)		(129)		(149)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	5,894		5,894		1,424
Twelve months or more Fair Value	5,035		5,035		6,256
Total Fair Value	$ 10,929		$ 10,929		$ 7,680
Number of securities in unrealized loss positions, less than twelve months | Security	3		3		2
Number of securities in unrealized loss positions, twelve months or more | Security	5		5		6
Number of securities in unrealized loss positions | Security	8		8		8
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 26,148		$ 26,148		$ 30,321
Collateralized Mortgage Obligations - US Agency [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	14,819		14,819		15,432
Gross Unrealized Gains, Debt investment securities	152		152		168
Gross Unrealized Losses, Debt investment securities	(54)		(54)		(124)
Available-for-sale Securities, Debt investment securities	14,917		14,917		15,476
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(5)		(5)		(22)
Twelve months or more Unrealized Losses	(49)		(49)		(102)
Total Unrealized Losses	(54)		(54)		(124)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	1,209		1,209		2,692
Twelve months or more Fair Value	1,881		1,881		3,963
Total Fair Value	$ 3,090		$ 3,090		$ 6,655
Number of securities in unrealized loss positions, less than twelve months | Security	2		2		3
Number of securities in unrealized loss positions, twelve months or more | Security	3		3		5
Number of securities in unrealized loss positions | Security	5		5		8
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 14,819		$ 14,819		$ 15,432
Agency and Mortgage Backed Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Number of securities in unrealized loss positions | Security	20		20
Equity Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost, equity securities	$ 1,865		$ 1,865		1,552
Gross Unrealized Gains, Equity investment securities	393		393		417
Gross Unrealized Losses, Equity investment securities	0		0		0
Available-for-sale Securities, Equity investment securities	2,258		2,258		1,969
Mutual Funds Ultra Short Mortgage Funds [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost, equity securities	643		643		643
Gross Unrealized Gains, Equity investment securities	1		1		5
Gross Unrealized Losses, Equity investment securities	0		0		0
Available-for-sale Securities, Equity investment securities	644		644		648
Mutual Funds Large Cap Equity Fund [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost, equity securities	456		456		456
Gross Unrealized Gains, Equity investment securities	126		126		193
Gross Unrealized Losses, Equity investment securities	0		0		0
Available-for-sale Securities, Equity investment securities	582		582		649
Other Mutual Funds [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost, equity securities	183		183		183
Gross Unrealized Gains, Equity investment securities	242		242		196
Gross Unrealized Losses, Equity investment securities	0		0		0
Available-for-sale Securities, Equity investment securities	425		425		379
Mutual funds Common Stock Financial Services Industry [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost, equity securities	583		583		270
Gross Unrealized Gains, Equity investment securities	24		24		23
Gross Unrealized Losses, Equity investment securities	0		0		0
Available-for-sale Securities, Equity investment securities	607		607		293
US Treasury, Agencies and GSEs [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, debt maturities, Amortized Cost	7,853		7,853		4,834
Held to maturity, gross unrealized gains	129		129		58
Held to maturity, gross unrealized losses	(14)		(14)		0
Held-to-maturity Securities, Debt Maturities, Fair Value	7,968		7,968		4,892
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(14)		(14)		0
Twelve months or more Unrealized Losses	0		0		0
Total Unrealized Losses	(14)		(14)		0
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	1,985		1,985		0
Twelve months or more Fair Value	0		0		0
Total Fair Value	$ 1,985		$ 1,985		$ 0
Number of securities in unrealized loss positions, less than twelve months | Security	1		1		0
Number of securities in unrealized loss positions, twelve months or more | Security	0		0		0
Number of securities in unrealized loss positions | Security	1		1		0
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Held-to-maturity securities, debt maturities, Amortized Cost	$ 7,853		$ 7,853		$ 4,834
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity Securities, Debt Maturities, Fair Value	7,968		7,968		4,892
State and Political Subdivisions [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, debt maturities, Amortized Cost	21,253		21,253		22,610
Held to maturity, gross unrealized gains	802		802		824
Held to maturity, gross unrealized losses	0		0		(9)
Held-to-maturity Securities, Debt Maturities, Fair Value	22,055		22,055		23,425
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	0		0		(9)
Twelve months or more Unrealized Losses	0		0		0
Total Unrealized Losses	0		0		(9)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	0		0		1,463
Twelve months or more Fair Value	0		0		0
Total Fair Value	$ 0		$ 0		$ 1,463
Number of securities in unrealized loss positions, less than twelve months | Security	0		0		1
Number of securities in unrealized loss positions, twelve months or more | Security	0		0		0
Number of securities in unrealized loss positions | Security	0		0		1
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Held-to-maturity securities, debt maturities, Amortized Cost	$ 21,253		$ 21,253		$ 22,610
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity Securities, Debt Maturities, Fair Value	22,055		22,055		23,425
Corporate [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, debt maturities, Amortized Cost	3,421		3,421		2,487
Held to maturity, gross unrealized gains	158		158		33
Held to maturity, gross unrealized losses	(1)		(1)		(17)
Held-to-maturity Securities, Debt Maturities, Fair Value	3,578		3,578		2,503
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(1)		(1)		(17)
Twelve months or more Unrealized Losses	0		0		0
Total Unrealized Losses	(1)		(1)		(17)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	228		228		1,108
Twelve months or more Fair Value	0		0		0
Total Fair Value	$ 228		$ 228		$ 1,108
Number of securities in unrealized loss positions, less than twelve months | Security	1		1		2
Number of securities in unrealized loss positions, twelve months or more | Security	0		0		0
Number of securities in unrealized loss positions | Security	1		1		2
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Held-to-maturity securities, debt maturities, Amortized Cost	$ 3,421		$ 3,421		$ 2,487
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity Securities, Debt Maturities, Fair Value	3,578		3,578		2,503
Residential Mortgage-Backed - US Agency [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, debt maturities, Amortized Cost	8,096		8,096		8,043
Held to maturity, gross unrealized gains	197		197		242
Held to maturity, gross unrealized losses	0		0		0
Held-to-maturity Securities, Debt Maturities, Fair Value	8,293		8,293		8,285
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	0		0		0
Twelve months or more Unrealized Losses	0		0		0
Total Unrealized Losses	0		0		0
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	0		0		0
Twelve months or more Fair Value	0		0		0
Total Fair Value	$ 0		$ 0		$ 0
Number of securities in unrealized loss positions, less than twelve months | Security	0		0		0
Number of securities in unrealized loss positions, twelve months or more | Security	0		0		0
Number of securities in unrealized loss positions | Security	0		0		0
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Held-to-maturity securities, debt maturities, Amortized Cost	$ 8,096		$ 8,096		$ 8,043
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity Securities, Debt Maturities, Fair Value	8,293		8,293		8,285
Collateralized Mortgage Obligations - US Agency [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, debt maturities, Amortized Cost	2,911		2,911		2,901
Held to maturity, gross unrealized gains	147		147		133
Held to maturity, gross unrealized losses	0		0		0
Held-to-maturity Securities, Debt Maturities, Fair Value	3,058		3,058		3,034
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	0		0		0
Twelve months or more Unrealized Losses	0		0		0
Total Unrealized Losses	0		0		0
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	0		0		0
Twelve months or more Fair Value	0		0		0
Total Fair Value	$ 0		$ 0		$ 0
Number of securities in unrealized loss positions, less than twelve months | Security	0		0		0
Number of securities in unrealized loss positions, twelve months or more | Security	0		0		0
Number of securities in unrealized loss positions | Security	0		0		0
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Held-to-maturity securities, debt maturities, Amortized Cost	$ 2,911		$ 2,911		$ 2,901
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity Securities, Debt Maturities, Fair Value	$ 3,058		$ 3,058		$ 3,034

Pension and Postretirement Be34

Pension and Postretirement Benefits (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Defined Benefit Plan Disclosure [Line Items]
Minimum years of service to participate in the health and life insurance benefits as of January 1, 1995			14 years
Pension Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Service cost	$ 0	$ 0	$ 0	$ 0
Interest cost	117	102	351	305
Expected return on plan assets	(244)	(236)	(731)	(707)
Amortization of net losses	45	8	135	23
Net periodic benefit plan (benefit) cost	(82)	(126)	(245)	(379)
Postretirement Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Service cost	0	0	0	0
Interest cost	4	5	13	14
Expected return on plan assets	0	0	0	0
Amortization of net losses	0	3	0	10
Net periodic benefit plan (benefit) cost	$ 4	$ 8	$ 13	$ 24

Loans (Details)

Loans (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2015USD ($)Segment	Dec. 31, 2014USD ($)	Sep. 30, 2014USD ($)
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	$ 414,961	$ 387,461	$ 374,042
Net deferred loan (fees) costs	(166)	77
Less allowance for loan losses	(5,732)	(5,349)
Loans receivable, net	$ 409,063	382,189
Number of portfolio segment | Segment	3
1-4 Family First Lien Residential Mortgage [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	$ 179,146		170,424
Real Estate [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	126,931		119,453
Other Commercial and Industrial [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	46,901		36,994
Home Equity and Junior Liens [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	22,850		21,724
Other Consumer [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	4,807		$ 4,061
Residential Mortgage Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	185,950	175,368
Residential mortgage loans pledged to FHLBNY as blanket collateral	122,800	121,100
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	179,146	172,159
Residential Mortgage Loans [Member] | Construction [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	6,804	3,209
Commercial Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	201,354	185,220
Commercial Loans [Member] | Real Estate [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	126,931	125,952
Commercial Loans [Member] | Lines of Credit [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	18,327	17,407
Commercial Loans [Member] | Other Commercial and Industrial [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	46,901	34,660
Commercial Loans [Member] | Tax Exempt Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	9,195	7,201
Consumer Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	27,657	26,873
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	22,850	22,713
Consumer Loans [Member] | Other Consumer [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	$ 4,807	$ 4,160

Loans, Credit Quality Indicator

Loans, Credit Quality Indicator Details (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014	Sep. 30, 2014
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 414,961	$ 387,461	$ 374,042
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	398,770	371,686
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,736	3,769
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	8,849	10,700
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,606	1,306
1-4 Family First Lien Residential Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	179,146		170,424
Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	126,931		119,453
Other Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	46,901		36,994
Home Equity and Junior Liens [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	22,850		21,724
Other Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	4,807		$ 4,061
Residential Mortgage Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	185,950	175,368
Residential Mortgage Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	180,900	169,561
Residential Mortgage Loans [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,761	1,384
Residential Mortgage Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	2,580	3,370
Residential Mortgage Loans [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	709	1,053
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	179,146	172,159
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	174,096	166,352
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,761	1,384
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	2,580	3,370
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	709	1,053
Residential Mortgage Loans [Member] | Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	6,804	3,209
Residential Mortgage Loans [Member] | Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	6,804	3,209
Residential Mortgage Loans [Member] | Construction [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Residential Mortgage Loans [Member] | Construction [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Residential Mortgage Loans [Member] | Construction [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	201,354	185,220
Commercial Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	190,979	176,290
Commercial Loans [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	3,787	2,042
Commercial Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,918	6,719
Commercial Loans [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	670	169
Commercial Loans [Member] | Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	126,931	125,952
Commercial Loans [Member] | Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	119,075	119,521
Commercial Loans [Member] | Real Estate [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	3,097	1,157
Commercial Loans [Member] | Real Estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	4,472	5,132
Commercial Loans [Member] | Real Estate [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	287	142
Commercial Loans [Member] | Lines of Credit [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	18,327	17,407
Commercial Loans [Member] | Lines of Credit [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	16,971	16,310
Commercial Loans [Member] | Lines of Credit [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	573	451
Commercial Loans [Member] | Lines of Credit [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	702	646
Commercial Loans [Member] | Lines of Credit [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	81	0
Commercial Loans [Member] | Other Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	46,901	34,660
Commercial Loans [Member] | Other Commercial and Industrial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	45,738	33,258
Commercial Loans [Member] | Other Commercial and Industrial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	117	434
Commercial Loans [Member] | Other Commercial and Industrial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	744	941
Commercial Loans [Member] | Other Commercial and Industrial [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	302	27
Commercial Loans [Member] | Tax Exempt Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	9,195	7,201
Commercial Loans [Member] | Tax Exempt Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	9,195	7,201
Commercial Loans [Member] | Tax Exempt Loans [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial Loans [Member] | Tax Exempt Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial Loans [Member] | Tax Exempt Loans [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Consumer Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	27,657	26,873
Consumer Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	26,891	25,835
Consumer Loans [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	188	343
Consumer Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	351	611
Consumer Loans [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	227	84
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	22,850	22,713
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	22,132	21,722
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	171	333
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	320	574
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	227	84
Consumer Loans [Member] | Other Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	4,807	4,160
Consumer Loans [Member] | Other Consumer [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	4,759	4,113
Consumer Loans [Member] | Other Consumer [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	17	10
Consumer Loans [Member] | Other Consumer [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	31	37
Consumer Loans [Member] | Other Consumer [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 0	$ 0

Loans, Non-Accrual And Past Due

Loans, Non-Accrual And Past Due Loans (Details)	3 Months Ended		9 Months Ended
	Sep. 30, 2015USD ($)Loan	Sep. 30, 2014USD ($)Loan	Sep. 30, 2015USD ($)LoanContract	Sep. 30, 2014USD ($)Loan	Dec. 31, 2014USD ($)
Recorded Investment, Past Due [Line Items]
Total Past Due	$ 11,363,000		$ 11,363,000		$ 11,489,000
Current	403,598,000		403,598,000		375,972,000
Total Loans Receivable	414,961,000	$ 374,042,000	414,961,000	$ 374,042,000	387,461,000
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	5,248,000		5,248,000		6,256,000
Ninety days past due and still accruing interest	$ 0		$ 0		0
Number of contracts, TDRs | Loan	0	0	1	1
Number of contracts, TDR payment default | Loan				0
Troubled Debt Restructuring, Debtor, Current Period [Abstract]
Number of Contracts | Loan				0
30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	$ 4,272,000		$ 4,272,000		3,498,000
60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,843,000		1,843,000		1,735,000
90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	5,248,000		5,248,000		6,256,000
1-4 Family First Lien Residential Mortgage [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	179,146,000	$ 170,424,000	179,146,000	$ 170,424,000
Real Estate [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	126,931,000	119,453,000	126,931,000	119,453,000
Other Commercial and Industrial [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	46,901,000	36,994,000	$ 46,901,000	36,994,000
Nonaccrual loans, Segregated by class of loans [Abstract]
Number of contracts, TDR payment default | Contract			1
Troubled Debt Restructuring, Debtor, Current Period [Abstract]
Number of Contracts | Contract			1
Recorded Investment			$ 240,000
Allowance for Loan Loss	209,000		209,000
Home Equity and Junior Liens [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	22,850,000	21,724,000	22,850,000	21,724,000
Other Consumer [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	4,807,000	4,061,000	4,807,000	4,061,000
Residential Mortgage Loans [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	3,708,000		3,708,000		4,044,000
Current	182,242,000		182,242,000		171,324,000
Total Loans Receivable	185,950,000		185,950,000		175,368,000
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	1,083,000		1,083,000		1,902,000
Residential Mortgage Loans [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,741,000		1,741,000		1,455,000
Residential Mortgage Loans [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	884,000		884,000		687,000
Residential Mortgage Loans [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,083,000		1,083,000		1,902,000
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	3,708,000		3,708,000		4,044,000
Current	175,438,000		175,438,000		168,115,000
Total Loans Receivable	179,146,000		179,146,000		172,159,000
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	1,083,000		1,083,000		1,902,000
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,741,000		1,741,000		1,455,000
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	884,000		884,000		687,000
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,083,000		1,083,000		1,902,000
Residential Mortgage Loans [Member] | Construction [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0		0		0
Current	6,804,000		6,804,000		3,209,000
Total Loans Receivable	6,804,000		6,804,000		3,209,000
Residential Mortgage Loans [Member] | Construction [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0		0		0
Residential Mortgage Loans [Member] | Construction [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0		0		0
Residential Mortgage Loans [Member] | Construction [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0		0		0
Commercial Loans [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	7,129,000		7,129,000		6,961,000
Current	194,225,000		194,225,000		178,259,000
Total Loans Receivable	201,354,000		201,354,000		185,220,000
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	3,832,000		3,832,000		4,030,000
Commercial Loans [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	2,431,000		2,431,000		1,917,000
Commercial Loans [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	866,000		866,000		1,014,000
Commercial Loans [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	3,832,000		3,832,000		4,030,000
Commercial Loans [Member] | Real Estate [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	4,462,000		4,462,000		5,041,000
Current	122,469,000		122,469,000		120,911,000
Total Loans Receivable	126,931,000		126,931,000		125,952,000
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	2,941,000		2,941,000		3,547,000
Pre-modification recorded investment			678,000	74,000
Post-modification recorded investment			324,000	96,000
Additional specific reserve required against the loan			354,000	108,000
Additional working capital		100,000		100,000
Recorded investment in new TDRs		$ 565,000		565,000
Specific reserve				$ 469,000
Commercial Loans [Member] | Real Estate [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,372,000		1,372,000		1,462,000
Commercial Loans [Member] | Real Estate [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	149,000		149,000		32,000
Commercial Loans [Member] | Real Estate [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	2,941,000		2,941,000		3,547,000
Commercial Loans [Member] | Lines of Credit [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,011,000		1,011,000		288,000
Current	17,316,000		17,316,000		17,119,000
Total Loans Receivable	18,327,000		18,327,000		17,407,000
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	257,000		257,000		278,000
Commercial Loans [Member] | Lines of Credit [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	754,000		754,000		10,000
Commercial Loans [Member] | Lines of Credit [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0		0		0
Commercial Loans [Member] | Lines of Credit [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	257,000		257,000		278,000
Commercial Loans [Member] | Other Commercial and Industrial [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,656,000		1,656,000		1,632,000
Current	45,245,000		45,245,000		33,028,000
Total Loans Receivable	46,901,000		46,901,000		34,660,000
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	634,000		634,000		205,000
Commercial Loans [Member] | Other Commercial and Industrial [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	305,000		305,000		445,000
Commercial Loans [Member] | Other Commercial and Industrial [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	717,000		717,000		982,000
Commercial Loans [Member] | Other Commercial and Industrial [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	634,000		634,000		205,000
Commercial Loans [Member] | Tax Exempt Loans [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0		0		0
Current	9,195,000		9,195,000		7,201,000
Total Loans Receivable	9,195,000		9,195,000		7,201,000
Commercial Loans [Member] | Tax Exempt Loans [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0		0		0
Commercial Loans [Member] | Tax Exempt Loans [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0		0		0
Commercial Loans [Member] | Tax Exempt Loans [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0		0		0
Consumer Loans [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	526,000		526,000		484,000
Current	27,131,000		27,131,000		26,389,000
Total Loans Receivable	27,657,000		27,657,000		26,873,000
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	333,000		333,000		324,000
Consumer Loans [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	100,000		100,000		126,000
Consumer Loans [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	93,000		93,000		34,000
Consumer Loans [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	333,000		333,000		324,000
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	483,000		483,000		450,000
Current	22,367,000		22,367,000		22,263,000
Total Loans Receivable	22,850,000		22,850,000		22,713,000
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	317,000		317,000		313,000
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	86,000		86,000		120,000
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	80,000		80,000		17,000
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	317,000		317,000		313,000
Consumer Loans [Member] | Other Consumer [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	43,000		43,000		34,000
Current	4,764,000		4,764,000		4,126,000
Total Loans Receivable	4,807,000		4,807,000		4,160,000
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	16,000		16,000		11,000
Consumer Loans [Member] | Other Consumer [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	14,000		14,000		6,000
Consumer Loans [Member] | Other Consumer [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	13,000		13,000		17,000
Consumer Loans [Member] | Other Consumer [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	$ 16,000		$ 16,000		$ 11,000

Loans - Impaired Loans (Details

Loans - Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Total [Abstract]
Recorded Investment	$ 6,881		$ 6,881		$ 7,401
Unpaid Principal Balance	7,139		7,139		7,581
Related Allowance	1,038		1,038		917
Average recorded investment [Abstract]
Total	7,021	$ 7,807	7,177	$ 7,410
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Total	27	84	115	175
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member]
With no related allowance recorded [Abstract]
Recorded Investment	476		476		1,138
Unpaid Principal Balance	476		476		1,163
Related Allowance	0		0		0
With an allowance recorded [Abstract]
Recorded Investment	0		0		0
Unpaid Principal Balance	0		0		0
Related Allowance	0		0		0
Total [Abstract]
Recorded Investment	476		476		1,138
Unpaid Principal Balance	476		476		1,163
Related Allowance	0		0		0
Average recorded investment [Abstract]
Total	477	1,289	720	1,221
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Total	4	4	13	13
Commercial Loans [Member] | Commercial Real Estate [Member]
With no related allowance recorded [Abstract]
Recorded Investment	2,316		2,316		2,083
Unpaid Principal Balance	2,427		2,427		2,154
Related Allowance	0		0		0
With an allowance recorded [Abstract]
Recorded Investment	2,206		2,206		2,927
Unpaid Principal Balance	2,299		2,299		2,972
Related Allowance	826		826		552
Total [Abstract]
Recorded Investment	4,522		4,522		5,010
Unpaid Principal Balance	4,726		4,726		5,126
Related Allowance	826		826		552
Average recorded investment [Abstract]
Total	4,669	5,239	4,820	4,855
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Total	21	59	71	114
Commercial Loans [Member] | Commercial Lines of Credit [Member]
With no related allowance recorded [Abstract]
Recorded Investment	657		657		185
Unpaid Principal Balance	678		678		197
Related Allowance	0		0		0
With an allowance recorded [Abstract]
Recorded Investment	0		0		93
Unpaid Principal Balance	0		0		99
Related Allowance	0		0		93
Total [Abstract]
Recorded Investment	657		657		278
Unpaid Principal Balance	678		678		296
Related Allowance	0		0		93
Average recorded investment [Abstract]
Total	635	378	505	403
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Total	(3)	4	4	5
Commercial Loans [Member] | Other Commercial and Industrial [Member]
With no related allowance recorded [Abstract]
Recorded Investment	689		689		335
Unpaid Principal Balance	719		719		356
Related Allowance	0		0		0
With an allowance recorded [Abstract]
Recorded Investment	240		240		268
Unpaid Principal Balance	242		242		268
Related Allowance	209		209		238
Total [Abstract]
Recorded Investment	929		929		603
Unpaid Principal Balance	961		961		624
Related Allowance	209		209		238
Average recorded investment [Abstract]
Total	941	517	813	511
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Total	5	13	23	33
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
With no related allowance recorded [Abstract]
Recorded Investment	0		0		21
Unpaid Principal Balance	0		0		21
Related Allowance	0		0		0
With an allowance recorded [Abstract]
Recorded Investment	290		290		340
Unpaid Principal Balance	290		290		340
Related Allowance	3		3		31
Total [Abstract]
Recorded Investment	290		290		361
Unpaid Principal Balance	290		290		361
Related Allowance	3		3		31
Average recorded investment [Abstract]
Total	292	369	310	412
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Total	0	4	4	10
Consumer Loans [Member] | Other Consumer [Member]
With no related allowance recorded [Abstract]
Recorded Investment	7		7		0
Unpaid Principal Balance	8		8		0
Related Allowance	0		0		0
With an allowance recorded [Abstract]
Recorded Investment	0		0		11
Unpaid Principal Balance	0		0		11
Related Allowance	0		0		3
Total [Abstract]
Recorded Investment	7		7		11
Unpaid Principal Balance	8		8		11
Related Allowance	0		0		$ 3
Average recorded investment [Abstract]
Total	7	15	9	8
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Total	$ 0	$ 0	$ 0	$ 0

Allowance for Loan Losses (Deta

Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Allowance for loan losses [Roll Forward]
Beginning Balance	$ 5,900	$ 5,166	$ 5,349	$ 5,041
Charge-offs	(405)	(416)	(749)	(853)
Recoveries	17	11	128	53
Provisions	220	410	1,004	930
Ending Balance	5,732	5,171	5,732	5,171
Ending balance: related to loans individually evaluated for impairment	1,038	892	1,038	892
Ending balance: related to loans collectively evaluated for impairment	4,694	4,279	4,694	4,279
Loans receivable, ending balance	414,961	374,042	414,961	374,042	$ 387,461
Ending balance: individually evaluated for impairment	6,881	7,680	6,881	7,680
Ending balance: collectively evaluated for impairment	408,080	366,362	408,080	366,362
1-4 Family First Lien Residential Mortgage [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	544	491	509	649
Charge-offs	(21)	(26)	(186)	(68)
Recoveries	2	0	40	1
Provisions	(13)	48	149	(69)
Ending Balance	512	513	512	513
Ending balance: related to loans individually evaluated for impairment	0	0	0	0
Ending balance: related to loans collectively evaluated for impairment	512	513	512	513
Loans receivable, ending balance	179,146	170,424	179,146	170,424
Ending balance: individually evaluated for impairment	476	1,266	476	1,266
Ending balance: collectively evaluated for impairment	178,670	169,158	178,670	169,158
Residential Construction Mortgage [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	0	0	0	0
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provisions	0	0	0	0
Ending Balance	0	0	0	0
Ending balance: related to loans individually evaluated for impairment	0	0	0	0
Ending balance: related to loans collectively evaluated for impairment	0	0	0	0
Loans receivable, ending balance	6,804	1,896	6,804	1,896
Ending balance: individually evaluated for impairment	0	0	0	0
Ending balance: collectively evaluated for impairment	6,804	1,896	6,804	1,896
Commercial Real Estate [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	3,288	2,624	2,801	2,302
Charge-offs	(195)	(256)	(224)	(303)
Recoveries	0	0	0	0
Provisions	(62)	345	454	714
Ending Balance	3,031	2,713	3,031	2,713
Ending balance: related to loans individually evaluated for impairment	826	643	826	643
Ending balance: related to loans collectively evaluated for impairment	2,205	2,070	2,205	2,070
Loans receivable, ending balance	126,931	119,453	126,931	119,453
Ending balance: individually evaluated for impairment	4,522	5,218	4,522	5,218
Ending balance: collectively evaluated for impairment	122,409	114,235	122,409	114,235
Commercial Lines of Credit [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	517	554	460	397
Charge-offs	(150)	(79)	(160)	(164)
Recoveries	0	0	36	3
Provisions	3	(28)	34	211
Ending Balance	370	447	370	447
Ending balance: related to loans individually evaluated for impairment	0	95	0	95
Ending balance: related to loans collectively evaluated for impairment	370	352	370	352
Loans receivable, ending balance	18,327	16,568	18,327	16,568
Ending balance: individually evaluated for impairment	657	288	657	288
Ending balance: collectively evaluated for impairment	17,670	16,280	17,670	16,280
Other Commercial and Industrial Loans [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	1,110	851	1,034	834
Charge-offs	0	0	(108)	(153)
Recoveries	2	3	7	6
Provisions	(55)	46	124	213
Ending Balance	1,057	900	1,057	900
Ending balance: related to loans individually evaluated for impairment	209	116	209	116
Ending balance: related to loans collectively evaluated for impairment	848	784	848	784
Loans receivable, ending balance	46,901	36,994	46,901	36,994
Ending balance: individually evaluated for impairment	929	529	929	529
Ending balance: collectively evaluated for impairment	45,972	36,465	45,972	36,465
Tax Exempt [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance			3
Charge-offs			0
Recoveries			0
Provisions			1
Ending Balance	4		4
Municipal [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	5	1		2
Charge-offs	0	0		0
Recoveries	0	0		0
Provisions	(1)	0		(1)
Ending Balance	4	1	4	1
Ending balance: related to loans individually evaluated for impairment	0	0	0	0
Ending balance: related to loans collectively evaluated for impairment	4	1	4	1
Loans receivable, ending balance	9,195	2,922	9,195	2,922
Ending balance: individually evaluated for impairment	0	0	0	0
Ending balance: collectively evaluated for impairment	9,195	2,922	9,195	2,922
Home Equity and Junior Liens [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	331	422	388	433
Charge-offs	(11)	(31)	(11)	(81)
Recoveries	1	1	8	1
Provisions	7	(17)	(57)	22
Ending Balance	328	375	328	375
Ending balance: related to loans individually evaluated for impairment	3	33	3	33
Ending balance: related to loans collectively evaluated for impairment	325	342	325	342
Loans receivable, ending balance	22,850	21,724	22,850	21,724
Ending balance: individually evaluated for impairment	290	365	290	365
Ending balance: collectively evaluated for impairment	22,560	21,359	22,560	21,359
Other Consumer [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	105	109	98	136
Charge-offs	(28)	(24)	(60)	(84)
Recoveries	12	7	37	42
Provisions	18	7	32	5
Ending Balance	107	99	107	99
Ending balance: related to loans individually evaluated for impairment	0	5	0	5
Ending balance: related to loans collectively evaluated for impairment	107	94	107	94
Loans receivable, ending balance	4,807	4,061	4,807	4,061
Ending balance: individually evaluated for impairment	7	14	7	14
Ending balance: collectively evaluated for impairment	4,800	4,047	4,800	4,047
Unallocated [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	0	114	56	288
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provisions	323	9	267	(165)
Ending Balance	323	123	323	123
Ending balance: related to loans individually evaluated for impairment	0	0	0	0
Ending balance: related to loans collectively evaluated for impairment	$ 323	$ 123	$ 323	$ 123

Foreclosed Real Estate (Details

Foreclosed Real Estate (Details)	Sep. 30, 2015USD ($)Property	Dec. 31, 2014USD ($)Property
Real Estate Properties [Line Items]
Number of properties | Property	8	4
Foreclosed real estate	$ 472,000	$ 261,000
Residential real estate loans in the process of foreclosure	$ 149,000
Foreclosed Residential Mortgage Loans [Member]
Real Estate Properties [Line Items]
Number of properties | Property	6	4
Foreclosed real estate	$ 341,000	$ 261,000
Foreclosed Commercial Real Estate [Member]
Real Estate Properties [Line Items]
Number of properties | Property	2	0
Foreclosed real estate	$ 131,000	$ 0

Guarantees (Details)

Guarantees (Details) $ in Millions	Sep. 30, 2015USD ($)
Guarantees [Abstract]
Standby letters of credit	$ 1.6

Fair Value Measurements (Detail

Fair Value Measurements (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2015	Dec. 31, 2014
Common Stock - Financial Services Industry [Member]
Fair Value, Assets and Liabilities Measured on Recurring Basis [Roll Forward]
Balance-Beginning	$ 0	$ 0
Total gains realized/unrealized included in earnings	0	0
Total gains realized/unrealized included in other comprehensive income	0	0
Settlements	313	313
Sales	0	0
Balance-Ending	313	313
Changes in unrealized gains included in earnings related to assets still held	0	0
Recurring Basis [Member] | Total Fair Value [Member]
Debt investment securities [Abstract]
US Treasury, agencies and GSEs	27,922	27,922	$ 17,750
State and political subdivisions	8,374	8,374	8,443
Corporate	18,269	18,269	13,860
Residential mortgage-backed - US agency	26,267	26,267	30,575
Collateralized mortgage obligations - US agency	14,917	14,917	15,476
Mutual funds [Abstract]
Ultra short mortgage fund	644	644	648
Large cap equity fund	582	582	649
Other mutual funds	425	425	379
Common stock - financial services industry	607	607	293
Investments [Abstract]
Total available-for-sale securities	98,007	98,007	88,073
Interest rate swap derivative	(44)	(44)	(82)
Recurring Basis [Member] | Level 1 [Member]
Debt investment securities [Abstract]
US Treasury, agencies and GSEs	0	0	0
State and political subdivisions	0	0	0
Corporate	0	0	0
Residential mortgage-backed - US agency	0	0	0
Collateralized mortgage obligations - US agency	0	0	0
Mutual funds [Abstract]
Ultra short mortgage fund	644	644	648
Large cap equity fund	582	582	649
Other mutual funds	0	0	0
Common stock - financial services industry	44	44	43
Investments [Abstract]
Total available-for-sale securities	1,270	1,270	1,340
Interest rate swap derivative	0	0	0
Recurring Basis [Member] | Level 2 [Member]
Debt investment securities [Abstract]
US Treasury, agencies and GSEs	27,922	27,922	17,750
State and political subdivisions	8,374	8,374	8,443
Corporate	18,269	18,269	13,860
Residential mortgage-backed - US agency	26,267	26,267	30,575
Collateralized mortgage obligations - US agency	14,917	14,917	15,476
Mutual funds [Abstract]
Ultra short mortgage fund	0	0	0
Large cap equity fund	0	0	0
Other mutual funds	425	425	379
Common stock - financial services industry	250	250	250
Investments [Abstract]
Total available-for-sale securities	96,424	96,424	86,733
Interest rate swap derivative	(44)	(44)	(82)
Recurring Basis [Member] | Level 3 [Member]
Debt investment securities [Abstract]
US Treasury, agencies and GSEs	0	0	0
State and political subdivisions	0	0	0
Corporate	0	0	0
Residential mortgage-backed - US agency	0	0	0
Collateralized mortgage obligations - US agency	0	0	0
Mutual funds [Abstract]
Ultra short mortgage fund	0	0	0
Large cap equity fund	0	0	0
Other mutual funds	0	0	0
Common stock - financial services industry	313	313	0
Investments [Abstract]
Total available-for-sale securities	313	313	0
Interest rate swap derivative	0	0	0
Nonrecurring Basis [Member] | Total Fair Value [Member]
Nonrecurring basis [Abstract]
Impaired loans	1,294	1,294	1,277
Foreclosed real estate	435	435	105
Nonrecurring Basis [Member] | Level 1 [Member]
Nonrecurring basis [Abstract]
Impaired loans	0	0	0
Foreclosed real estate	0	0	0
Nonrecurring Basis [Member] | Level 2 [Member]
Nonrecurring basis [Abstract]
Impaired loans	0	0	0
Foreclosed real estate	0	0	0
Nonrecurring Basis [Member] | Level 3 [Member]
Nonrecurring basis [Abstract]
Impaired loans	1,294	1,294	1,277
Foreclosed real estate	$ 435	$ 435	$ 105

Fair Value Measurements, Fair V

Fair Value Measurements, Fair Value Inputs, Quantitative Information (Details) - Level 3 [Member] - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
Comparable Companies [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Common stock - financial services	$ 313
Fair value inputs, comparability weight	100.00%
Impaired Loans [Member] | Appraisal Collateral - Appraisal Approach [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs, discount rate	5.00%	5.00%
Impaired Loans [Member] | Appraisal Collateral - Appraisal Approach [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs, discount rate	10.00%	25.00%
Impaired Loans [Member] | Appraisal Collateral - Appraisal Approach [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs, discount rate	8.00%	13.00%
Impaired Loans [Member] | Appraisal Collateral - Cost to Sell Approach [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs, discount rate	7.00%	6.00%
Impaired Loans [Member] | Appraisal Collateral - Cost to Sell Approach [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs, discount rate	15.00%	50.00%
Impaired Loans [Member] | Appraisal Collateral - Cost to Sell Approach [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs, discount rate	13.00%	13.00%
Foreclosed Real Estate [Member] | Appraisal Collateral - Appraisal Approach [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs, discount rate	15.00%	15.00%
Foreclosed Real Estate [Member] | Appraisal Collateral - Appraisal Approach [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs, discount rate	15.00%	15.00%
Foreclosed Real Estate [Member] | Appraisal Collateral - Appraisal Approach [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs, discount rate	15.00%	15.00%
Foreclosed Real Estate [Member] | Appraisal Collateral - Cost to Sell Approach [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs, discount rate	6.00%	6.00%
Foreclosed Real Estate [Member] | Appraisal Collateral - Cost to Sell Approach [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs, discount rate	8.00%	8.00%
Foreclosed Real Estate [Member] | Appraisal Collateral - Cost to Sell Approach [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs, discount rate	7.00%	7.00%

Fair Value Measurements, Fair44

Fair Value Measurements, Fair Value Measurement By Balance Sheet Groupings (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Financial assets [Abstract]
Investment securities - available-for-sale	$ 98,007	$ 88,073
Investment securities - held-to-maturity	44,952	42,139
Carrying Amounts [Member] | Level 1 [Member]
Financial assets [Abstract]
Cash and cash equivalents	17,374	11,356
Investment securities - available-for-sale	1,270	1,340
Accrued interest receivable	2,082	1,849
Financial liabilities [Abstract]
Demand Deposits, Savings, NOW and MMDA	324,385	263,004
Accrued interest payable	50	63
Carrying Amounts [Member] | Level 2 [Member]
Financial assets [Abstract]
Investment securities - available-for-sale	96,424	86,733
Investment securities - held-to-maturity	43,534	40,875
Federal Home Loan Bank stock	1,881	3,454
Financial liabilities [Abstract]
Time Deposits	171,957	152,564
Borrowings	29,225	66,100
Junior subordinated debentures	5,155	5,155
Interest rate swap derivative	44	82
Carrying Amounts [Member] | Level 3 [Member]
Financial assets [Abstract]
Investment securities - available-for-sale	313	0
Net loans	409,063	382,189
Estimated Fair Values [Member] | Level 1 [Member]
Financial assets [Abstract]
Cash and cash equivalents	17,374	11,356
Investment securities - available-for-sale	1,270	1,340
Accrued interest receivable	2,082	1,849
Financial liabilities [Abstract]
Demand Deposits, Savings, NOW and MMDA	324,385	263,004
Accrued interest payable	50	63
Estimated Fair Values [Member] | Level 2 [Member]
Financial assets [Abstract]
Investment securities - available-for-sale	96,424	86,733
Investment securities - held-to-maturity	44,952	42,139
Federal Home Loan Bank stock	1,881	3,454
Financial liabilities [Abstract]
Time Deposits	172,183	152,457
Borrowings	29,359	66,282
Junior subordinated debentures	4,385	4,799
Interest rate swap derivative	44	82
Estimated Fair Values [Member] | Level 3 [Member]
Financial assets [Abstract]
Investment securities - available-for-sale	313	0
Net loans	$ 415,965	$ 388,151

Interest Rate Derivatives (Deta

Interest Rate Derivatives (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Interest Rate Derivatives [Abstract]
Floating rate trust preferred debenture face amount	$ 5,000,000		$ 5,000,000
Interest Rate Swap [Member]
Derivative [Line Items]
Notional amount	$ 2,000,000		$ 2,000,000
Remaining term			7 years
Fixed interest rate	4.96%		4.96%
Accumulated Other Comprehensive Income Derivatives, Pretax [Roll Forward]
Balance as of beginning of period	$ (57,000)	$ (112,000)	$ (82,000)	$ (135,000)
Amount of gains/(losses) recognized in other comprehensive income	(2,000)	2,000	(8,000)	(6,000)
Amount of loss reclassified from other comprehensive income and recognized as interest expense	15,000	16,000	46,000	47,000
Balance as of end of period	(44,000)	$ (94,000)	(44,000)	$ (94,000)
Cash under collateral arrangements	201,000		201,000
Interest Rate Swap [Member] | Designated as Hedging Instrument [Member] | Other Liabilities [Member]
Cash Flow Hedge [Abstract]
Fair value of derivative liability	$ 44,000		$ 44,000		$ 82,000

Accumulated Other Comprehensi46

Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Beginning balance		$ (2,319)	$ (1,320)	$ (2,119)	$ (1,745)
Other comprehensive (loss) income before reclassifications		375	(25)	163	384
Amounts reclassified from AOCI		(16)	15	(4)	31
Ending balance		(1,960)	(1,330)	(1,960)	(1,330)
Interest on long term borrowings		(103)	(149)	(310)	(443)
Salaries and employee benefits		(2,478)	(2,141)	(7,216)	(6,526)
Net gains on sales and redemptions of investment securities		88	3	188	29
Provision for income taxes		(316)	(317)	(829)	(767)
Net income attributable to noncontrolling interest and Pathfinder Bancorp, Inc.		895	757	2,141	1,959
Retirement Plans [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Beginning balance		(1,740)	(969)	(1,794)	(982)
Other comprehensive (loss) income before reclassifications		0	0	0	0
Amounts reclassified from AOCI		27	7	81	20
Ending balance		(1,713)	(962)	(1,713)	(962)
Unrealized Gains and Losses on Financial Derivative [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Beginning balance		(34)	(67)	(49)	(81)
Other comprehensive (loss) income before reclassifications		(1)	0	(5)	(4)
Amounts reclassified from AOCI		9	10	28	28
Ending balance		(26)	(57)	(26)	(57)
Unrealized Gains and Losses on Available-for-Sale Securities [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Beginning balance		149	461	457	99
Other comprehensive (loss) income before reclassifications		356	(42)	109	335
Amounts reclassified from AOCI		(52)	(2)	(113)	(17)
Ending balance		453	417	453	417
Securities Reclassified from AFS to HTM [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Beginning balance		(694)	(745)	(733)	(781)
Other comprehensive (loss) income before reclassifications		20	17	59	53
Amounts reclassified from AOCI		0	0	0	0
Ending balance		(674)	(728)	(674)	(728)
Reclassification out of Accumulated Other Comprehensive Income [Member] | Retirement Plans [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Salaries and employee benefits	[1],[2]	(45)	(11)	(135)	(33)
Provision for income taxes	[1],[2]	18	4	54	13
Net income attributable to noncontrolling interest and Pathfinder Bancorp, Inc.	[1],[2]	(27)	(7)	(81)	(20)
Reclassification out of Accumulated Other Comprehensive Income [Member] | Unrealized Gains and Losses on Financial Derivative [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Interest on long term borrowings	[1]	(15)	(16)	(46)	(47)
Provision for income taxes	[1]	6	6	18	19
Net income attributable to noncontrolling interest and Pathfinder Bancorp, Inc.	[1]	(9)	(10)	(28)	(28)
Reclassification out of Accumulated Other Comprehensive Income [Member] | Unrealized Gains and Losses on Available-for-Sale Securities [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Net gains on sales and redemptions of investment securities	[1]	88	3	188	29
Provision for income taxes	[1]	(36)	(1)	(75)	(12)
Net income attributable to noncontrolling interest and Pathfinder Bancorp, Inc.	[1]	$ 52	$ 2	$ 113	$ 17
[1]	Amounts in parentheses indicates debits in net income.
[2]	These items are included in net periodic pension cost.

Subsequent Events (Details)

Subsequent Events (Details) - USD ($)	Oct. 15, 2015	Sep. 30, 2015
Subsequent Event [Line Items]
Subordinated loan face value		$ 5,000,000
Subsequent Event [Member] | Subordinated Debt [Member]
Subsequent Event [Line Items]
Subordinated loan face value	$ 10,000,000
Maturity date	Oct. 15, 2025
Subordinated loan interest rate	3.50%
Increase in annual interest rate	6.25%
Origination and legal fees	$ 161,000
Effective interest rate	6.46%
Proceeds from subordinated loan designated for special purposes	$ 13,000,000
Annual increase in interest expense	$ 646,000