Pathfinder Bancorp (PBHC) 10-Q 12 Aug 16 2016 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Jun. 30, 2016	Aug. 11, 2016
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		4,358,144
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	Q2
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Jun. 30, 2016

Consolidated Statements of Cond

Consolidated Statements of Condition (Unaudited) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
ASSETS:
Cash and due from banks	$ 12,296	$ 9,624
Interest earning deposits	12,800	5,621
Total cash and cash equivalents	25,096	15,245
Available-for-sale securities, at fair value	116,395	98,942
Held-to-maturity securities, at amortized cost (fair value of $43,887 and $45,515, respectively)	42,126	44,297
Federal Home Loan Bank stock, at cost	4,036	2,424
Loans	450,581	430,438
Less: Allowance for loan losses	5,930	5,706
Loans receivable, net	444,651	424,732
Premises and equipment, net	14,880	14,834
Accrued interest receivable	2,069	2,053
Foreclosed real estate	506	517
Intangible assets, net	206	214
Goodwill	4,536	4,536
Bank owned life insurance	11,297	10,615
Other assets	5,173	4,845
Total assets	670,971	623,254
Deposits:
Interest-bearing	458,104	428,636
Noninterest-bearing	67,964	61,679
Total deposits	526,068	490,315
Short-term borrowings	49,950	24,800
Long-term borrowings	13,500	16,500
Subordinated loans	15,008	14,991
Accrued interest payable	39	199
Other liabilities	6,283	5,220
Total liabilities	610,848	552,025
Shareholders' equity:
Preferred stock - SBLF, par value $0.01 per share; $1,000 liquidation preference; 13,000 shares authorized; 0 shares and 13,000 shares issued and outstanding, respectively	0	13,000
Common stock, par value $0.01; 25,000,000 authorized shares; 4,358,144 and 4,353,850 shares issued and 4,358,144 and 4,353,850 shares outstanding, respectively	44	44
Additional paid in capital	28,870	28,717
Retained earnings	34,244	33,183
Accumulated other comprehensive loss	(1,985)	(2,565)
Unearned ESOP	(1,484)	(1,574)
Total Pathfinder Bancorp, Inc. shareholders' equity	59,689	70,805
Noncontrolling interest	434	424
Total equity	60,123	71,229
Total liabilities and shareholders' equity	$ 670,971	$ 623,254

Consolidated Statements of Con3

Consolidated Statements of Condition (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
ASSETS:
Held-to-maturity securities at fair value	$ 43,887	$ 45,515
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)	4,358,144	4,353,850
Common stock, shares outstanding (in shares)	4,358,144	4,353,850
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)	0	13,000
Preferred stock, shares outstanding (in shares)	0	13,000

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Interest and dividend income:
Loans, including fees	$ 5,047	$ 4,551	$ 9,971	$ 8,950
Debt securities:
Taxable	581	516	1,137	975
Tax-exempt	200	190	391	387
Dividends	26	40	53	69
Federal funds sold and interest earning deposits	12	5	26	7
Total interest and dividend income	5,866	5,302	11,578	10,388
Interest expense:
Interest on deposits	572	483	1,147	928
Interest on short-term borrowings	29	35	51	72
Interest on long-term borrowings	71	65	143	126
Interest on subordinated loans	201	40	404	80
Total interest expense	873	623	1,745	1,206
Net interest income	4,993	4,679	9,833	9,182
Provision for loan losses	150	401	360	784
Net interest income after provision for loan losses	4,843	4,278	9,473	8,398
Noninterest income:
Service charges on deposit accounts	285	288	572	554
Earnings and gain on bank owned life insurance	66	65	146	149
Loan servicing fees	31	41	65	93
Net gains on sales and redemptions of investment securities	132	49	212	101
Net losses on sales of loans and foreclosed real estate	(10)	(4)	(10)	(4)
Debit card interchange fees	141	136	276	259
Other charges, commissions & fees	381	377	766	665
Total noninterest income	1,026	952	2,027	1,817
Noninterest expense:
Salaries and employee benefits	2,653	2,356	5,338	4,738
Building occupancy	425	441	888	944
Data processing	419	354	841	742
Professional and other services	221	229	418	449
Advertising	189	114	329	236
FDIC assessments	108	102	216	197
Audits and exams	82	59	158	120
Other expenses	681	577	1,293	1,030
Total noninterest expenses	4,778	4,232	9,481	8,456
Income before income taxes	1,091	998	2,019	1,759
Provision for income taxes	225	290	498	514
Net income attributable to noncontrolling interest and Pathfinder Bancorp, Inc.	866	708	1,521	1,245
Net income attributable to noncontrolling interest	34	14	28	22
Net income attributable to Pathfinder Bancorp, Inc.	832	694	1,493	1,223
Preferred stock dividends	0	33	16	65
Net income available to common shareholders	$ 832	$ 661	$ 1,477	$ 1,158
Earnings per common share - basic (in dollars per share)	$ 0.20	$ 0.16	$ 0.36	$ 0.28
Earnings per common share - diluted (in dollars per share)	0.20	0.16	0.35	0.28
Dividends per common share (in dollars per share)	$ 0.05	$ 0.03	$ 0.10	$ 0.06

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Consolidated Statements of Comprehensive Income (Unaudited) [Abstract]
Net Income		$ 866	$ 708	$ 1,521	$ 1,245
Retirement Plans:
Retirement plan net losses recognized in plan expenses		54	45	109	90
Plan (losses) not recognized in plan expenses		0	0	0	0
Net unrealized gain on retirement plans		54	45	109	90
Unrealized holding gains on financial derivative:
Change in unrealized holding gains (losses) on financial derivative		3	(5)	2	(6)
Reclassification adjustment for interest expense included in net income		11	15	25	31
Net unrealized gain on financial derivative		14	10	27	25
Unrealized holding gains (losses) on available for sale securities
Unrealized holding gains (losses) arising during the period		6	(878)	548	(413)
Reclassification adjustment for net gains (losses) included in net income		132	(49)	212	(101)
Net unrealized gain (losses) on available for sale securities		138	(927)	760	(514)
Accretion of net unrealized loss on securities transferred to held-to-maturity	[1]	35	32	70	65
Other comprehensive income (losses), before tax		241	(840)	966	(334)
Tax effect		(95)	336	(386)	134
Other comprehensive income (losses), net of tax		146	(504)	580	(200)
Comprehensive income		1,012	204	2,101	1,045
Comprehensive income attributable to noncontrolling interest		34	14	28	22
Comprehensive income attributable to Pathfinder Bancorp, Inc.		978	190	2,073	1,023
Tax Effect Allocated to Each Component of Other Comprehensive Income
Retirement plan net losses recognized in plan expenses		(21)	(18)	(44)	(36)
Change in unrealized holding (losses) gains on financial derivative		(2)	2	(1)	2
Reclassification adjustment for interest expense included in net income		(4)	(6)	(10)	(12)
Unrealized holding (losses) gains arising during the period		(2)	351	(219)	165
Reclassification adjustment for net (losses) gains included in net income		(52)	20	(84)	41
Accretion of net unrealized loss on securities transferred to held-to-maturity	[1]	(14)	(13)	(28)	(26)
Income tax effect related to other comprehensive income		$ (95)	$ 336	$ (386)	$ 134
[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]	Noncontrolling Interest [Member]	Total
Balance at Dec. 31, 2014	$ 13,000	$ 44	$ 28,534	$ 31,085	$ (2,119)	$ (1,754)	$ 414	$ 69,204
Net income	0	0	0	1,223	0	0	22	1,245
Other comprehensive income (loss), net of tax	0	0	0	0	(200)	0	0	(200)
Preferred stock dividends - SBLF	0	0	0	(65)	0	0	0	(65)
ESOP shares earned	0	0	38	0	0	90	0	128
Stock based compensation	0	0	42	0	0	0	0	42
Common stock dividends declared	0	0	0	(247)	0	0	0	(247)
Distributions from affiliates	0	0	0		0	0	(33)	(33)
Balance at Jun. 30, 2015	13,000	44	28,614	31,996	(2,319)	(1,664)	403	70,074
Net income								708
Other comprehensive income (loss), net of tax								(504)
Balance at Jun. 30, 2015	13,000	44	28,614	31,996	(2,319)	(1,664)	403	70,074
Balance at Dec. 31, 2015	13,000	44	28,717	33,183	(2,565)	(1,574)	424	71,229
Net income	0	0	0	1,493	0	0	28	1,521
Other comprehensive income (loss), net of tax	0	0	0	0	580	0	0	580
Preferred stock, redemption	(13,000)	0	0	0	0	0	0	(13,000)
Preferred stock dividends - SBLF	0	0	0	(16)	0	0	0	(16)
ESOP shares earned	0	0	54	0	0	90	0	144
Stock based compensation	0	0	76	0	0	0	0	76
Stock options exercised	0	0	23	0	0	0	0	23
Common stock dividends declared	0	0	0	(416)	0	0	0	(416)
Distributions from affiliates	0	0	0	0	0	0	(18)	(18)
Balance at Jun. 30, 2016	0	44	28,870	34,244	(1,985)	(1,484)	434	60,123
Net income								866
Other comprehensive income (loss), net of tax								146
Balance at Jun. 30, 2016	$ 0	$ 44	$ 28,870	$ 34,244	$ (1,985)	$ (1,484)	$ 434	$ 60,123

Consolidated Statements of Cha7

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parenthetical) - $ / shares	6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015
ESOP shares earned (in shares)	12,221	12,222
Common stock dividends declared (in dollars per share)	$ 0.10	$ 0.06
Preferred Stock [Member]
Preferred stock redemption (in shares)	(13,000)

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015
OPERATING ACTIVITIES
Net income attributable to Pathfinder Bancorp, Inc.	$ 1,493	$ 1,223
Adjustments to reconcile net income to net cash flows from operating activities:
Provision for loan losses	360	784
Realized losses (gains) on sales, redemptions and calls of:
Real estate acquired through foreclosure	10	4
Available-for-sale investment securities	(211)	(101)
Held-to-maturity investment securities	(1)	0
Depreciation	458	465
Amortization of mortgage servicing rights	6	7
Amortization of deferred loan costs	99	82
Amortization of deferred financing from subordinated debt	17	0
Earnings and gain on bank owned life insurance	(146)	(149)
Net amortization of premiums and discounts on investment securities	585	436
Amortization of intangible assets	8	9
Stock based compensation and ESOP expense	220	170
Net change in accrued interest receivable	(16)	(117)
Net change in other assets and liabilities	373	683
Net cash flows from operating activities	3,255	3,496
INVESTING ACTIVITIES
Purchase of investment securities available-for-sale	(81,252)	(47,485)
Purchase of investment securities held-to-maturity	(500)	(5,034)
Net (purchases of) proceeds from Federal Home Loan Bank stock	(1,612)	98
Proceeds from maturities and principal reductions of investment securities available-for-sale	36,271	15,933
Proceeds from maturities and principal reductions of investment securities held-to-maturity	2,686	2,015
Proceeds from sales, redemptions and calls of:
Available-for-sale investment securities	25,970	16,481
Held-to-maturity investment securities	2,000	0
Real estate acquired through foreclosure	170	171
Acquisition of insurance agency	0	(225)
Net change in loans	(20,548)	(16,463)
Purchase of premises and equipment	(504)	(503)
Net cash flows from investing activities	(37,319)	(35,012)
FINANCING ACTIVITIES
Net change in demand deposits, NOW accounts, savings accounts, money management deposit accounts, MMDA accounts and escrow deposits	37,851	45,933
Net change in time deposits and brokered deposits	(2,098)	(3,926)
Net change in short-term borrowings	25,150	(7,100)
Payments on long-term borrowings	(3,000)	(2,000)
Proceeds from long-term borrowings	0	5,000
Repayment of loans on cash surrender value of bank owned life insurance	(536)	0
Redemption of preferred stock - SBLF	(13,000)	0
Proceeds from exercise of stock options	23	0
Cash dividends paid to preferred shareholder - SBLF	(49)	(65)
Cash dividends paid to common shareholders	(436)	(261)
Change in noncontrolling interest, net	10	(11)
Net cash flows from financing activities	43,915	37,570
Change in cash and cash equivalents	9,851	6,054
Cash and cash equivalents at beginning of period	15,245	11,356
Cash and cash equivalents at end of period	25,096	17,410
CASH PAID DURING THE PERIOD FOR:
Interest	1,905	1,209
Income taxes	513	462
NON-CASH INVESTING ACTIVITY
Real estate acquired in exchange for loans	$ 170	$ 275

Basis of Presentation

Basis of Presentation	6 Months Ended
	Jun. 30, 2016
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. Certain amounts in the 2015 consolidated financial statements may have been reclassified to conform to the current period presentation. These reclassifications had no effect on net income or comprehensive income as previously reported. Operating results for the three and six months ended June 30, 2016 are not necessarily indicative of the results that may be expected for the year ending December 31, 2016. 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 49% of which the Company does not own is accounted for separately as noncontrolling interests within the consolidated financial statements. On February 16, 2016, the Company redeemed all 13,000 shares of the Series B Preferred Stock outstanding with the payment of $13.0 million to the Small Business Lending Facility ("SBLF"). This redemption was substantially financed by the issuance on October 15, 2015 of the $10.0 million Subordinated Loan with an effective annual interest rate of 6.44%. The issuance of the Subordinated Loan has increased interest expense by approximately $644,000 per year, but prospectively reduced the future amount payable to the SBLF in preferred stock dividends. Had the preferred stock not been retired, effective April 1, 2016, the annual dividend rate for the preferred stock would have been 9.0%. Therefore, the retirement of the $13.0 million of the SBLF Preferred Series B stock has resulted in an annual reduction of dividends payable to the preferred shareholder of $1.2 million. The Company paid preferred stock dividends totaling $16,000 in 2016 and $130,000 in 2015. These transactions had no effect on the regulatory capital position of the Bank. On June 1, 2016, the Company announced that it had completed the process of its previously announced restructuring plan to combine the operations of its subsidiaries, Pathfinder Bank and Pathfinder Commercial Bank, into a single New York State chartered commercial bank. This transaction was completed on May 31, 2016. Simultaneously with the combination, Pathfinder Commercial Bank's charter was amended such that Pathfinder Commercial Bank became a full-service commercial bank, rather than a limited purpose commercial bank, which it was previously, and its name was changed to "Pathfinder Bank". The transaction is expected to have little impact on the investments or operations of the Bank, although the Bank expects some annual operating cost savings as a result of the combination.

New Accounting Pronouncements

New Accounting Pronouncements	6 Months Ended
	Jun. 30, 2016
New Accounting Pronouncements [Abstract]
New Accounting Pronouncements	Note 2: New Accounting Pronouncements On June 16, 2016, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) No. 2016-13, Financial Instruments—Credit Losses (Topic 326), Measurement of Credit Losses on Financial Instruments. The new CECL model will apply to: (1) financial assets subject to credit losses and measured at amortized cost, and (2) certain off-balance sheet credit exposures. This includes loans, held-to-maturity debt securities, loan commitments, financial guarantees, and net investments in leases, as well as reinsurance and trade receivables. Upon initial recognition of the exposure, the CECL model requires an entity to estimate the credit losses expected over the life of an exposure (or pool of exposures). The estimate of expected credit losses ("ECL") methodology should consider historical information, current information, and reasonable and supportable forecasts, including estimates of prepayments. Generally, the initial estimate of the ECL and subsequent changes in the estimate will be reported in current earnings. The ECL will be recorded through an allowance for loan and lease losses ("ALLL") in the statement of financial position. Current GAAP requires an "incurred loss" methodology for recognizing credit losses that delays recognition until it is probable that a loss has been incurred. The current model therefore generally restricts an organization's ability to record credit losses that are expected, but do not yet meet the "probable" threshold. The ASU also significantly amends the current available-for-sale ("AFS") security other-than-temporary impairment ("OTTI") model for debt securities. The new model will require an estimate of ECL only when the fair value is below the amortized cost of the asset. The length of time that the fair value of an AFS debt security has been below the amortized cost will no longer impact the determination of whether a credit loss exists. In addition, credit losses on AFS debt securities will now be limited to the difference between the security's amortized cost basis and its fair value. The AFS debt security model will also require the use of an allowance to record estimated credit losses (and subsequent recoveries). The new guidance addresses purchased financial assets with credit deterioration ("PCD"). The new model applies to purchased financial assets (measured at amortized cost or held as AFS) that have experienced more than insignificant credit deterioration since origination. This represents a change from the scope of what are considered purchased credit-impaired assets under the current model. Different than the accounting for originated or purchased assets that do not qualify as PCD, the initial estimate of expected credit losses for a PCD would be recognized through an ALLL with an offset to the cost basis of the related financial asset at acquisition (i.e., there is no impact to net income at initial recognition). Subsequently, the accounting will follow the applicable CECL or AFS debt security impairment model with all adjustments of the ALLL recognized through earnings. ASU 2016-13 also expands the disclosure requirements regarding an entity's assumptions, models, and methods for estimating the ALLL. In addition, public business entities ("PBEs") will need to disclose the amortized cost balance for each class of financial asset by credit quality indicator, disaggregated by the year of origination. This disclosure will not be required for other reporting entities. For PBEs that are U.S. Securities and Exchange Commission (SEC) filers, such as the Company, the amendments in this Update are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. All entities may adopt the amendments in this Update earlier as of the fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. An entity will apply the amendments in this Update through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective. The provisions of this new accounting standard are complex and will require substantial analysis prior to the ASU's implementation. The Company's management is currently in the process of evaluating the impact that this standard will have on its consolidated financial statements.

Earnings per Common Share

Earnings per Common Share	6 Months Ended
	Jun. 30, 2016
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 280,396 for the three months ended June 30, 2016 and 148,434 for the six months ended June 30, 2016 and were -0- for the three months ended June 30, 2015 and 8,236 for the six months ended June 30, 2015. 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. Three months ended Six months ended June 30, June 30, (In thousands, except per share data) 2016 2015 2016 2015 Basic Earnings Per Common Share Net income available to common shareholders $ 832 $ 661 $ 1,477 $ 1,158 Weighted average common shares outstanding 4,149 4,120 4,145 4,117 Basic earnings per common share $ 0.20 $ 0.16 $ 0.36 $ 0.28 Diluted Earnings Per Common Share Net income available to common shareholders $ 832 $ 661 $ 1,477 $ 1,158 Weighted average common shares outstanding 4,149 4,120 4,145 4,117 Effect of assumed exercise of stock options 84 67 81 62 Diluted weighted average common shares outstanding 4,233 4,187 4,226 4,179 Diluted earnings per common share $ 0.20 $ 0.16 $ 0.35 $ 0.28

Investment Securities

Investment Securities	6 Months Ended
	Jun. 30, 2016
Investment Securities [Abstract]
Investment Securities	Note 4: Investment Securities The amortized cost and estimated fair value of investment securities are summarized as follows: June 30, 2016 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 $ 28,041 $ 9 $ (16 ) $ 28,034 State and political subdivisions 11,804 155 (17 ) 11,942 Corporate 12,501 113 (26 ) 12,588 Asset backed securities 2,564 - - 2,564 Residential mortgage-backed - US agency 23,526 213 - 23,739 Collateralized mortgage obligations - US agency 29,711 216 (84 ) 29,843 Collateralized mortgage obligations - Private Label 5,808 - (32 ) 5,776 Total 113,955 706 (175 ) 114,486 Equity investment securities: Mutual funds: Ultra short mortgage fund 643 - (8 ) 635 Large cap equity fund 456 155 - 611 Common stock - Financial services industry 663 - - 663 Total 1,762 155 (8 ) 1,909 Total available-for-sale $ 115,717 $ 861 $ (183 ) $ 116,395 Held-to-Maturity Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 5,874 $ 178 $ - $ 6,052 State and political subdivisions 21,578 1,095 - 22,673 Corporate 4,607 46 (13 ) 4,640 Residential mortgage-backed - US agency 7,146 248 - 7,394 Collateralized mortgage obligations - US agency 2,921 207 - 3,128 Total held-to-maturity $ 42,126 $ 1,774 $ (13 ) $ 43,887 December 31, 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 $ 21,380 $ 13 $ (85 ) $ 21,308 State and political subdivisions 8,198 107 (5 ) 8,300 Corporate 18,173 51 (96 ) 18,128 Residential mortgage-backed - US agency 32,740 113 (280 ) 32,573 Collateralized mortgage obligations - US agency 16,880 95 (142 ) 16,833 Collateralized mortgage obligations - Private Label - - - - Total 97,371 379 (608 ) 97,142 Equity investment securities: Mutual funds: Ultra short mortgage fund 643 - (5 ) 638 Large cap equity fund 456 127 - 583 Common stock - Financial services industry 554 25 - 579 Total 1,653 152 (5 ) 1,800 Total available-for-sale $ 99,024 $ 531 $ (613 ) $ 98,942 Held-to-Maturity Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 7,860 $ 81 $ (29 ) $ 7,912 State and political subdivisions 21,585 881 - 22,466 Corporate 4,175 53 (3 ) 4,225 Residential mortgage-backed - US agency 7,763 137 (5 ) 7,895 Collateralized mortgage obligations - US agency 2,914 103 - 3,017 Total held-to-maturity $ 44,297 $ 1,255 $ (37 ) $ 45,515 The amortized cost and estimated fair value of debt investments at June 30, 2016 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 $ 17,920 $ 17,926 $ 205 $ 206 Due after one year through five years 28,110 28,240 10,075 10,386 Due after five years through ten years 6,445 6,519 17,633 18,427 Due after ten years 2,435 2,443 4,146 4,346 Sub-total 54,910 55,128 32,059 33,365 Residential mortgage-backed - US agency 23,526 23,739 7,146 7,394 Collateralized mortgage obligations - US agency 29,711 29,843 2,921 3,128 Collateralized mortgage obligations - Private label 5,808 5,776 - - Totals $ 113,955 $ 114,486 $ 42,126 $ 43,887 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: June 30, 2016 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 4 $ (16 ) $ 11,991 - $ - $ - 4 $ (16 ) $ 11,991 State and political subdivisions 9 (17 ) 2,572 - - - 9 (17 ) 2,572 Corporate - - - 2 (26 ) 2,157 2 (26 ) 2,157 Equity and other investments 1 (8 ) 635 - - - 1 (8 ) 635 Residential mortgage-backed - US agency 1 - 659 - - - 1 - 659 Collateralized mortgage obligations - US agency 5 (32 ) 5,930 6 (52 ) 3,872 11 (84 ) 9,802 Collateralized mortgage obligations - Private label 2 (32 ) 2,127 - - - 2 (32 ) 2,127 Totals 22 $ (105 ) $ 23,914 8 $ (78 ) $ 6,029 30 $ (183 ) $ 29,943 Held-to-Maturity US Treasury, agencies and GSE's - $ - $ - - $ - $ - - $ - $ - Corporate 1 (13 ) 840 - - - 1 (13 ) 840 Residential mortgage-backed - US agency - - - - - - - - - Totals 1 $ (13 ) $ 840 - $ - $ - 1 $ (13 ) $ 840 December 31, 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 9 $ (70 ) $ 13,382 1 $ (15 ) $ 984 10 $ (85 ) $ 14,366 State and political subdivisions 13 (4 ) 1,894 3 (1 ) 339 16 (5 ) 2,233 Corporate 10 (57 ) 8,123 2 (39 ) 2,820 12 (96 ) 10,943 Equity and other investments 1 (5 ) 638 - - - 1 (5 ) 638 Residential mortgage-backed - US agency 14 (148 ) 20,204 5 (132 ) 4,812 19 (280 ) 25,016 Collateralized mortgage obligations - US agency 6 (80 ) 8,618 3 (62 ) 1,789 9 (142 ) 10,407 Collateralized mortgage obligations - Private label - - - - - - - - - Totals 53 $ (364 ) $ 52,859 14 $ (249 ) $ 10,744 67 $ (613 ) $ 63,603 Held-to-Maturity US Treasury, agencies and GSE's 2 $ (29 ) $ 2,970 - $ - $ - 2 $ (29 ) $ 2,970 Corporate 1 (3 ) 225 - - - 1 (3 ) 225 Residential mortgage-backed - US agency 1 (5 ) 795 - - - 1 (5 ) 795 Totals 4 $ (37 ) $ 3,990 - $ - $ - 4 $ (37 ) $ 3,990 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. Management does not believe any individual unrealized loss in the securities portfolio as of June 30, 2016 represents OTTI. With the exception of certain individually small municipal bond issuances, all securities are rated above the lowest tier of investment grade by one or more nationally recognized statistical rating organizations (NRSRO) with the exception of three corporate securities that are rated at the lowest level of investment grade and three structured credit issuances, acquired in 2016, that are unrated. Nine municipal securities have been in a loss position for four months or less at June 30, 2016. Each of these has a relatively insignificant unrealized loss position. For the group, losses range from 0.01% to 1.31% of their current book values. No municipal securities are deemed to have any credit impairment at the reporting date. Two corporate securities have been in a loss position for greater than 12 months with the largest loss position being 1.57% of current book value. The two securities are rated A1 and A3 by Moody's, and A and A- by Standard & Poors, respectively. The unrealized losses reported pertaining to securities issued by the U.S. Government and its sponsored entities, include agency and mortgage-backed securities issued by FNMA, FHLMC, FHLB and FFCB which are currently rated Aaa by Moody's Investor Services, AA+ by Standard and Poors and are implicitly guaranteed by the U.S. Government. The unrealized losses reflected are primarily attributable to changes in interest rates since the securities were acquired. The company does not intend to sell these securities, nor is it more likely than not, that the company will be required to sell these securities prior to recovery of the amortized cost. As such, management does not believe any individual unrealized loss as of June 30, 2016 represents OTTI. Two private-label mortgage-backed securities, acquired in 2016, have been in a loss position for three months or less at June 30, 2016. The largest loss position among the two securities is 1.53% of current book value. Neither security is rated by an NRSRO but management monitors their performance regularly and the securities are not deemed to have any credit-related impairment at June 30, 2016. 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. Gross realized gains (losses) on sales of securities for the indicated periods are detailed below: For the three months For the six months ended June 30, ended June 30, (In thousands) 2016 2015 2016 2015 Realized gains $ 134 $ 53 $ 229 $ 110 Realized losses (2 ) (4 ) (17 ) (9 ) $ 132 $ 49 $ 212 $ 101 As of June 30, 2016 and December 31, 2015, securities with a fair value of $74.5 million and $89.7 million, respectively, were pledged to collateralize certain municipal deposit relationships. As of the same dates, securities with a fair value of $15.5 million and $17.8 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 exposure exists to sub-prime or other high-risk residential mortgages. With limited exceptions in the Company's investment portfolio involving the senior-most tranches of securitized bonds, 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	6 Months Ended
	Jun. 30, 2016
Pension and Postretirement Benefits [Abstract]
Pension and Postretirement Benefits	Note 5: Pension and Postretirement Benefits The Company has a noncontributory defined benefit pension plan covering substantially all employees. The plan provides defined benefits based on years of service and final average salary. 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 plan was frozen on June 30, 2012. Compensation earned by employees up to June 30, 2012 is used for purposes of calculating benefits under the plan but there are no future benefit accruals after this date. Participants as of June 30, 2012 will continue to earn vesting credit with respect to their frozen accrued benefits as they continue to work. In addition, the Company provides certain health and life insurance benefits for a limited number of 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. 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 June 30, For the six months ended June 30, (In thousands) 2016 2015 2016 2015 2016 2015 2016 2015 Service cost $ - $ - $ - $ - $ - $ - $ - $ - Interest cost 116 117 2 5 232 234 4 9 Expected return on plan assets (238 ) (243 ) - - (476 ) (487 ) - - Amortization of net losses 56 45 (2 ) - 113 90 (4 ) - Net periodic benefit plan (benefit) cost $ (66 ) $ (81 ) $ - $ 5 $ (131 ) $ (163 ) $ - $ 9 The Company will evaluate the need for further contributions to the defined benefit pension plan during 2016. The prepaid pension asset is recorded in other assets on the statement of condition as of June 30, 2016 and December 31, 2015.

Loans

Loans	6 Months Ended
	Jun. 30, 2016
Loans [Abstract]
Loans	Note 6: Loans Major classifications of loans at the indicated dates are as follows: June 30, December 31, (In thousands) 2016 2015 Residential mortgage loans: 1-4 family first-lien residential mortgages $ 188,455 $ 181,792 Construction 5,414 7,924 Total residential mortgage loans 193,869 189,716 Commercial loans: Real estate 132,433 129,506 Lines of credit 20,777 19,035 Other commercial and industrial 66,632 54,899 Tax exempt loans 8,265 9,081 Total commercial loans 228,107 212,521 Consumer loans: Home equity and junior liens 23,452 23,463 Other consumer 5,396 4,886 Total consumer loans 28,848 28,349 Total loans 450,824 430,586 Net deferred loan fees (243 ) (148 ) Less allowance for loan losses (5,930 ) (5,706 ) Loans receivable, net $ 444,651 $ 424,732 The Company originates residential mortgage, commercial, and consumer loans largely to customers throughout Oswego and Onondaga counties. 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 June 30, 2016 and December 31, 2015, residential mortgage loans with a carrying value of $130.9 million and $125.8 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 2015 Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 29, 2016 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 June 30, 2016 Special (In thousands) Pass Mention Substandard Doubtful Total Residential mortgage loans: 1-4 family first-lien residential mortgages $ 184,629 $ 512 $ 1,850 $ 1,464 $ 188,455 Construction 5,414 - - - 5,414 Total residential mortgage loans 190,043 512 1,850 1,464 193,869 Commercial loans: Real estate 124,598 4,130 3,705 - 132,433 Lines of credit 19,704 1,058 15 - 20,777 Other commercial and industrial 65,634 722 270 6 66,632 Tax exempt loans 8,265 - - - 8,265 Total commercial loans 218,201 5,910 3,990 6 228,107 Consumer loans: Home equity and junior liens 22,915 182 177 178 23,452 Other consumer 5,282 54 60 - 5,396 Total consumer loans 28,197 236 237 178 28,848 Total loans $ 436,441 $ 6,658 $ 6,077 $ 1,648 $ 450,824 As of December 31, 2015 Special (In thousands) Pass Mention Substandard Doubtful Total Residential mortgage loans: 1-4 family first-lien residential mortgages $ 177,244 $ 1,375 $ 2,425 $ 748 $ 181,792 Construction 7,924 - - - 7,924 Total residential mortgage loans 185,168 1,375 2,425 748 189,716 Commercial loans: Real estate 121,283 4,345 3,878 - 129,506 Lines of credit 17,358 1,469 208 - 19,035 Other commercial and industrial 53,540 848 504 7 54,899 Tax exempt loans 9,081 - - - 9,081 Total commercial loans 201,262 6,662 4,590 7 212,521 Consumer loans: Home equity and junior liens 22,780 182 287 214 23,463 Other consumer 4,840 31 15 - 4,886 Total consumer loans 27,620 213 302 214 28,349 Total loans $ 414,050 $ 8,250 $ 7,317 $ 969 $ 430,586 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 June 30, 2016 and December 31, 2015, are detailed in the following tables: As of June 30, 2016 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 $ 1,562 $ 546 $ 1,721 $ 3,829 $ 184,626 $ 188,455 Construction - - - - 5,414 5,414 Total residential mortgage loans 1,562 546 1,721 3,829 190,040 193,869 Commercial loans: Real estate 76 507 2,736 3,319 129,114 132,433 Lines of credit - - 100 100 20,677 20,777 Other commercial and industrial 423 701 188 1,312 65,320 66,632 Tax exempt loans - - - - 8,265 8,265 Total commercial loans 499 1,208 3,024 4,731 223,376 228,107 Consumer loans: Home equity and junior liens 118 33 395 546 22,906 23,452 Other consumer 7 53 9 69 5,327 5,396 Total consumer loans 125 86 404 615 28,233 28,848 Total loans $ 2,186 $ 1,840 $ 5,149 $ 9,175 $ 441,649 $ 450,824 As of December 31, 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 $ 1,115 $ 808 $ 1,715 $ 3,638 $ 178,154 $ 181,792 Construction - - - - 7,924 7,924 Total residential mortgage loans 1,115 808 1,715 3,638 186,078 189,716 Commercial loans: Real estate 940 135 2,694 3,769 125,737 129,506 Lines of credit 20 - 174 194 18,841 19,035 Other commercial and industrial 159 216 370 745 54,154 54,899 Tax exempt loans - - - - 9,081 9,081 Total commercial loans 1,119 351 3,238 4,708 207,813 212,521 Consumer loans: Home equity and junior liens 132 - 360 492 22,971 23,463 Other consumer 14 15 5 34 4,852 4,886 Total consumer loans 146 15 365 526 27,823 28,349 Total loans $ 2,380 $ 1,174 $ 5,318 $ 8,872 $ 421,714 $ 430,586 Nonaccrual loans, segregated by class of loan, were as follows: June 30, December 31, (In thousands) 2016 2015 Residential mortgage loans: 1-4 family first-lien residential mortgages $ 1,721 $ 1,715 1,721 1,715 Commercial loans: Real estate 2,736 2,694 Lines of credit 100 174 Other commercial and industrial 188 370 3,024 3,238 Consumer loans: Home equity and junior liens 395 360 Other consumer 9 5 404 365 Total nonaccrual loans $ 5,149 $ 5,318 The Company is required to disclose certain activities related to Troubled Debt Restructurings ("TDR") 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 or six month period ended June 30, 2016. The Company has determined that there were no new TDRs in the three month period ended June 30, 2015 and one new TDR in the six month period ended June 30, 2015. The following details the nature of this TDR, which occurred in the first six months of 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. The Company had no loans that have been modified as TDRs during the twelve months prior to June 30, 2016, which have subsequently defaulted during the six months ended June 30, 2016. The Company had no loans that had been modified as TDRs during the twelve months prior to June 30, 2015, which had subsequently defaulted during the six months ended June 30, 2015. 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: June 30, 2016 December 31, 2015 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 $ 469 $ 469 $ - $ 473 $ 473 $ - Commercial real estate 2,332 2,513 - 2,580 2,709 - Commercial lines of credit 410 410 - 574 597 - Other commercial and industrial 377 377 - 536 569 - Home equity and junior liens 278 278 - 187 187 - Other consumer 2 3 - 5 6 - With an allowance recorded: 1-4 family first-lien residential mortgages 131 144 39 - - - Commercial real estate 1,912 2,035 792 1,850 1,963 760 Commercial lines of credit 5 5 5 5 5 5 Other commercial and industrial 183 198 152 224 230 193 Home equity and junior liens 7 8 6 101 101 2 Other consumer - - - - - - Total: 1-4 family first-lien residential mortgages 600 613 39 473 473 - Commercial real estate 4,244 4,548 792 4,430 4,672 760 Commercial lines of credit 415 415 5 579 602 5 Other commercial and industrial 560 575 152 760 799 193 Home equity and junior liens 285 286 6 288 288 2 Other consumer 2 3 - 5 6 - Totals $ 6,106 $ 6,440 $ 994 $ 6,535 $ 6,840 $ 960 The following table presents the average recorded investment in impaired loans for the periods indicated: For the three months ended For the six months ended June 30, June 30, (In thousands) 2016 2015 2016 2015 1-4 family first-lien residential mortgages $ 602 $ 633 $ 559 $ 801 Commercial real estate 4,298 4,875 4,342 4,920 Commercial lines of credit 501 543 526 455 Other commercial and industrial 647 861 685 775 Home equity and junior liens 288 295 288 317 Other consumer 3 8 4 9 Total $ 6,339 $ 7,215 $ 6,404 $ 7,277 The following table presents the cash basis interest income recognized on impaired loans for the periods indicated: For the three months ended For the six months ended June 30, June 30, (In thousands) 2016 2015 2016 2015 1-4 family first-lien residential mortgages $ 5 $ 5 $ 12 $ 9 Commercial real estate 27 34 52 50 Commercial lines of credit - 7 - 7 Other commercial and industrial 12 13 21 18 Home equity and junior liens 2 - 4 10 Other consumer - - - - Total $ 46 $ 59 $ 89 $ 94

Allowance for Loan Losses

Allowance for Loan Losses	6 Months Ended
	Jun. 30, 2016
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 June 30, 2016 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 $ 642 $ - $ 2,884 $ 395 $ 1,213 Charge-offs (30 ) - - (22 ) - Recoveries 1 - - 1 3 Provisions 14 - 187 31 25 Ending balance $ 627 $ - $ 3,071 $ 405 $ 1,241 Ending balance: related to loans individually evaluated for impairment 39 - 792 5 152 Ending balance: related to loans collectively evaluated for impairment $ 588 $ - $ 2,279 $ 400 $ 1,089 Loans receivables: Ending balance $ 188,455 $ 5,414 $ 132,433 $ 20,777 $ 66,632 Ending balance: individually evaluated for impairment 600 - 4,244 415 560 Ending balance: collectively evaluated for impairment $ 187,855 $ 5,414 $ 128,189 $ 20,362 $ 66,072 Home equity Other Municipal and junior liens Consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 2 $ 355 $ 145 $ 215 $ 5,851 Charge-offs - (29 ) (10 ) - (91 ) Recoveries - 1 14 - 20 Provisions (1 ) 23 (2 ) (127 ) 150 Ending balance $ 1 $ 350 $ 147 $ 88 $ 5,930 Ending balance: related to loans individually evaluated for impairment - 6 - - 994 Ending balance: related to loans collectively evaluated for impairment $ 1 $ 344 $ 147 $ 88 $ 4,936 Loans receivables: Ending balance $ 8,265 $ 23,452 $ 5,396 $ 450,824 Ending balance: individually evaluated for impairment - 285 2 6,106 Ending balance: collectively evaluated for impairment $ 8,265 $ 23,167 $ 5,394 $ 444,718 For the six months ended June 30, 2016 1-4 family first-lien Other residential Commercial Commercial commercial ( In thousands) mortgage Construction real estate lines of credit and industrial Allowance for loan losses: Beginning Balance $ 581 $ - $ 2,983 $ 401 $ 1,270 Charge-offs (30 ) - - (43 ) - Recoveries 1 - - 9 7 Provisions 75 - 88 38 (36 ) Ending balance $ 627 $ - $ 3,071 $ 405 $ 1,241 Home equity Other Tax exempt and junior liens consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 3 $ 350 $ 118 $ - $ 5,706 Charge-offs - (89 ) (19 ) - (181 ) Recoveries - 3 25 - 45 Provisions (2 ) 86 23 88 360 Ending balance $ 1 $ 350 $ 147 $ 88 $ 5,930 For the three months ended June 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 $ 498 $ - $ 3,165 $ 441 $ 938 Charge-offs (27 ) - - - - Recoveries 38 - - 25 3 Provisions 35 - 123 51 169 Ending balance $ 544 $ - $ 3,288 $ 517 $ 1,110 Ending balance: related to loans individually evaluated for impairment - - 1,064 150 220 Ending balance: related to loans collectively evaluated for impairment $ 544 $ - $ 2,224 $ 367 $ 890 Loans receivables: Ending balance $ 175,978 $ 3,934 $ 126,349 $ 18,119 $ 42,290 Ending balance: individually evaluated for impairment 479 - 4,818 612 952 Ending balance: collectively evaluated for impairment $ 175,499 $ 3,934 $ 121,531 $ 17,507 $ 41,338 Home equity Other Municipal and junior liens Consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 4 $ 329 $ 87 $ - $ 5,462 Charge-offs - - (12 ) - (39 ) Recoveries - - 10 - 76 Provisions 1 2 20 - 401 Ending balance $ 5 $ 331 $ 105 $ - $ 5,900 Ending balance: related to loans individually evaluated for impairment - 5 - - 1,439 Ending balance: related to loans collectively evaluated for impairment $ 5 $ 326 $ 105 $ - $ 4,461 Loans receivables: Ending balance $ 9,606 $ 22,591 $ 4,610 $ 403,477 Ending balance: individually evaluated for impairment - 294 7 7,162 Ending balance: collectively evaluated for impairment $ 9,606 $ 22,297 $ 4,603 $ 396,315 For the six months ended June 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 (165 ) - (29 ) (10 ) (108 ) Recoveries 38 - - 36 5 Provisions 162 - 516 31 179 Ending balance $ 544 $ - $ 3,288 $ 517 $ 1,110 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 - - (32 ) - (344 ) Recoveries - 7 25 - 111 Provisions 2 (64 ) 14 (56 ) 784 Ending balance $ 5 $ 331 $ 105 $ - $ 5,900

Foreclosed Real Estate

Foreclosed Real Estate	6 Months Ended
	Jun. 30, 2016
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 June 30, 2016 Number of properties December 31, 2015 Foreclosed residential real estate 4 $ 170 2 $ 182 At June 30, 2016, the Company reported $ 1.1 million in residential real estate loans in the process of foreclosure.

Guarantees

Guarantees	6 Months Ended
	Jun. 30, 2016
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. 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 $1.9 million of standby letters of credit as of June 30, 2016. 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	6 Months Ended
	Jun. 30, 2016
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 of the common stock of a community-based financial institution that conducts its operations outside of the Company's primary market area. During the second quarter of 2016, the Company purchased an additional $130,000 of this common stock. The first purchase was in conjunction with a capital raise by the financial institution that attracted multiple investors and the second purchase was made in the secondary market. 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). Management has reviewed the results of the financial operations of the financial institution for the quarter ended June 30, 2016 and has concluded that this investment was appropriately valued at its acquisition cost, which was considered to be its fair value as of the measurement date. 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. 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: June 30, 2016 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Available-for-sale portfolio Debt investment securities: US Treasury, agencies and GSEs $ - $ 28,034 $ - $ 28,034 State and political subdivisions - 11,942 - 11,942 Corporate - 12,588 - 12,588 Asset backed securities - 2,564 - 2,564 Residential mortgage-backed - US agency - 23,739 - 23,739 Collateralized mortgage obligations - US agency - 29,843 - 29,843 Collateralized mortgage obligations - Private label - 5,776 - 5,776 Equity investment securities: Mutual funds: Ultra short mortgage fund 635 - - 635 Large cap equity fund 611 - - 611 Common stock - financial services industry - 220 443 663 Total available-for-sale securities $ 1,246 $ 114,706 $ 443 $ 116,395 Interest rate swap derivative $ - $ - $ - $ - December 31, 2015 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Available-for-sale portfolio Debt investment securities: US Treasury, agencies and GSEs $ - $ 21,308 $ - $ 21,308 State and political subdivisions - 8,300 - 8,300 Corporate - 18,128 - 18,128 Residential mortgage-backed - US agency - 32,573 - 32,573 Collateralized mortgage obligations - US agency - 16,833 - 16,833 Collateralized mortgage obligations - Private label - - - - Equity investment securities: Mutual funds: Ultra short mortgage fund 638 - - 638 Large cap equity fund 583 - - 583 Common stock - financial services industry 46 220 313 579 Total available-for-sale securities $ 1,267 $ 97,362 $ 313 $ 98,942 Interest rate swap derivative $ - $ (27 ) $ - $ (27 ) The changes in Level 3 assets and liabilities measured at estimated fair value on a recurring basis during the three months ended June 30, 2016 were as follows: (In thousands) Common Stock - Financial Services Industry Balance - March 31, 2016 $ 313 Total gains realized/unrealized: Included in earnings - Included in other comprehensive income - Settlements 130 Sales - Balance - June 30, 2016 $ 443 Changes in unrealized gains included in earnings related to assets still held at June 30, 2016 $ - The changes in Level 3 assets and liabilities measured at estimated fair value on a recurring basis during the six months ended June 30, 2016 were as follows: (In thousands) Common Stock - Financial Services Industry Balance - December 31, 2015 $ 313 Total gains realized/unrealized: Included in earnings - Included in other comprehensive income - Settlements 130 Sales - Balance - June 30, 2016 $ 443 Changes in unrealized gains included in earnings related to assets still held at June 30, 2016 $ - 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: (In thousands) At June 30, 2016 Investment Type Fair Value Valuation Techniques Unobservable Input Weight Common Stock - Financial Services Industry $ 443 Inputs to comparables Weight ascribed to comparable companies 100 % (In thousands) At December 31, 2015 Investment Type Fair Value Valuation Techniques Unobservable Input Weight Common Stock - Financial Services Industry $ 313 Inputs to comparables Weight ascribed to comparable companies 100 % The Bank had the following assets measured at fair value on a nonrecurring basis as of June 30, 2016 and December 31, 2015: June 30, 2016 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ - $ - $ 518 $ 518 Foreclosed real estate $ - $ - $ 170 $ 170 December 31, 2015 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ - $ - $ 1,070 $ 1,070 Foreclosed real estate $ - $ - $ 360 $ 360 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 June 30, 2016 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, 2015 Impaired loans Appraisal of collateral Appraisal Adjustments 5% - 10% (8%) (Sales Approach) Costs to Sell 8% - 15% (14%) 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 June 30, 2016. 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 a sales transaction 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 of the common stock of a community-based financial institution that conducts its operations outside of the Company's primary market area. During the second quarter of 2016, the Company purchased an additional $130,000 of this common stock. The first purchase was in conjunction with a capital raise by the financial institution that attracted multiple investors and the second purchase was made in the secondary market. 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). Management has reviewed the results of the financial operations of the financial institution for the quarter ended June 30, 2016 and has concluded that this investment was appropriately valued at its acquisition cost, which was considered to be its fair value as of the measurement date. 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. Subordinated Loans – The Company secures quotes from its pricing service based on a discounted cash flow methodology or utilizes observations of recent highly-similar transactions which result in a Level 2 classification. 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: June 30, 2016 December 31, 2015 Fair Value Carrying Estimated Carrying Estimated (In thousands) Hierarchy Amounts Fair Values Amounts Fair Values Financial assets: Cash and cash equivalents 1 $ 25,096 $ 25,096 $ 15,245 $ 15,245 Investment securities - available-for-sale 1 1,246 1,246 1,267 1,267 Investment securities - available-for-sale 2 114,706 114,706 97,362 97,362 Investment securities - available-for-sale 3 443 443 313 313 Investment securities - held-to-maturity 2 42,126 43,887 44,297 45,515 Federal Home Loan Bank stock 2 4,036 4,036 2,424 2,424 Net loans 3 444,651 452,752 424,732 428,410 Accrued interest receivable 1 2,069 2,069 2,053 2,053 Financial liabilities: Demand Deposits, Savings, NOW and MMDA 1 $ 382,677 $ 382,677 $ 343,853 $ 343,852 Time Deposits 2 143,391 144,295 146,462 146,158 Borrowings 2 63,450 63,643 41,300 41,282 Subordinated loans 2 15,008 13,905 14,991 14,027 Accrued interest payable 1 39 39 199 199 Interest rate swap derivative 2 - - 27 27

Interest Rate Derivatives

Interest Rate Derivatives	6 Months Ended
	Jun. 30, 2016
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 floating rate trust preferred debt to a fixed rate for a term of approximately seven years at a rate of 4.96%. This swap agreement expired in the second quarter of 2016 and was not renewed. The derivative, while in effect, was designated as a cash flow hedge. The hedging strategy ensured that changes in cash flows from the derivative would have been 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: (In thousands) June 30, 2016 December 31, 2015 Cash flow hedge: Other liabilities $ - $ 27 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 June 30, (In thousands) 2016 2015 Balance as of March 31: $ (14 ) $ (67 ) Amount of losses (gains) recognized in other comprehensive income 3 (5 ) Amount of loss reclassified from other comprehensive income and recognized as interest expense 11 15 Balance as of June 30: $ - $ (57 ) Six months ended June 30, (In thousands) 2016 2015 Balance as of December 31: $ (27 ) $ (82 ) Amount of losses (gains) recognized in other comprehensive income 2 (6 ) Amount of loss reclassified from other comprehensive income and recognized as interest expense 25 31 Balance as of June 30: $ - $ (57 ) No amount of ineffectiveness had been included in earnings for prior periods and the changes in fair value were recorded in other comprehensive (loss) income. Some, or all, of the amount included in accumulated other comprehensive (loss) income would have been reclassified into current earnings should a portion of, or the entire hedge no longer been considered effective.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	6 Months Ended
	Jun. 30, 2016
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 June 30, 2016 (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 $ (1,812 ) $ (8 ) $ 322 $ (633 ) $ (2,131 ) Other comprehensive income before reclassifications - 1 4 21 26 Amounts reclassified from AOCI 33 7 80 - 120 Ending balance $ (1,779 ) $ - $ 406 $ (612 ) $ (1,985 ) For the six months ended June 30, 2016 (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 $ (1,844 ) $ (16 ) $ (51 ) $ (654 ) $ (2,565 ) Other comprehensive income before reclassifications - 1 329 42 372 Amounts reclassified from AOCI 65 15 128 - 208 Ending balance $ (1,779 ) $ - $ 406 $ (612 ) $ (1,985 ) For the three months ended June 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 $ (1,767 ) $ (40 ) $ 705 $ (713 ) $ (1,815 ) Other comprehensive (loss) income before reclassifications - (3 ) (527 ) 19 (511 ) Amounts reclassified from AOCI 27 9 (29 ) - 7 Ending balance $ (1,740 ) $ (34 ) $ 149 $ (694 ) $ (2,319 ) For the six months ended June 30, 2015 (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 $ (1,794 ) $ (49 ) $ 457 $ (733 ) (2,119 ) Other comprehensive (loss) income before reclassifications - (4 ) (248 ) 39 (213 ) Amounts reclassified from AOCI 54 19 (60 ) - 13 Ending balance $ (1,740 ) $ (34 ) $ 149 $ (694 ) $ (2,319 ) 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 six months ended Details about AOCI 1 June 30, 2016 June 30, 2015 Affected Line Item in the Statement of Income June 30, 2016 June 30, 2015 Unrealized holding gain on financial derivative: Reclassification adjustment for interest expense included in net income $ (11 ) $ (15 ) Interest on long term borrowings $ (25 ) $ (31 ) 4 6 Provision for income taxes 10 12 $ (7 ) $ (9 ) Net Income $ (15 ) $ (19 ) Retirement plan items Retirement plan net losses recognized in plan expenses 2 $ (54 ) $ (45 ) Salaries and employee benefits $ (109 ) $ (90 ) 21 18 Provision for income taxes 44 36 $ (33 ) $ (27 ) Net Income $ (65 ) $ (54 ) Available-for-sale securities Realized gain on sale of securities $ (132 ) $ 49 Net gains on sales and redemptions of investment securities $ (212 ) $ 101 52 (20 ) Provision for income taxes 84 (41 ) $ (80 ) $ 29 Net Income $ (128 ) $ 60 1 2 See Note 5 for additional information.

Earnings per Common Share (Tabl

Earnings per Common Share (Tables)	6 Months Ended
	Jun. 30, 2016
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. Three months ended Six months ended June 30, June 30, (In thousands, except per share data) 2016 2015 2016 2015 Basic Earnings Per Common Share Net income available to common shareholders $ 832 $ 661 $ 1,477 $ 1,158 Weighted average common shares outstanding 4,149 4,120 4,145 4,117 Basic earnings per common share $ 0.20 $ 0.16 $ 0.36 $ 0.28 Diluted Earnings Per Common Share Net income available to common shareholders $ 832 $ 661 $ 1,477 $ 1,158 Weighted average common shares outstanding 4,149 4,120 4,145 4,117 Effect of assumed exercise of stock options 84 67 81 62 Diluted weighted average common shares outstanding 4,233 4,187 4,226 4,179 Diluted earnings per common share $ 0.20 $ 0.16 $ 0.35 $ 0.28

Investment Securities (Tables)

Investment Securities (Tables)	6 Months Ended
	Jun. 30, 2016
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: June 30, 2016 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 $ 28,041 $ 9 $ (16 ) $ 28,034 State and political subdivisions 11,804 155 (17 ) 11,942 Corporate 12,501 113 (26 ) 12,588 Asset backed securities 2,564 - - 2,564 Residential mortgage-backed - US agency 23,526 213 - 23,739 Collateralized mortgage obligations - US agency 29,711 216 (84 ) 29,843 Collateralized mortgage obligations - Private Label 5,808 - (32 ) 5,776 Total 113,955 706 (175 ) 114,486 Equity investment securities: Mutual funds: Ultra short mortgage fund 643 - (8 ) 635 Large cap equity fund 456 155 - 611 Common stock - Financial services industry 663 - - 663 Total 1,762 155 (8 ) 1,909 Total available-for-sale $ 115,717 $ 861 $ (183 ) $ 116,395 Held-to-Maturity Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 5,874 $ 178 $ - $ 6,052 State and political subdivisions 21,578 1,095 - 22,673 Corporate 4,607 46 (13 ) 4,640 Residential mortgage-backed - US agency 7,146 248 - 7,394 Collateralized mortgage obligations - US agency 2,921 207 - 3,128 Total held-to-maturity $ 42,126 $ 1,774 $ (13 ) $ 43,887 December 31, 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 $ 21,380 $ 13 $ (85 ) $ 21,308 State and political subdivisions 8,198 107 (5 ) 8,300 Corporate 18,173 51 (96 ) 18,128 Residential mortgage-backed - US agency 32,740 113 (280 ) 32,573 Collateralized mortgage obligations - US agency 16,880 95 (142 ) 16,833 Collateralized mortgage obligations - Private Label - - - - Total 97,371 379 (608 ) 97,142 Equity investment securities: Mutual funds: Ultra short mortgage fund 643 - (5 ) 638 Large cap equity fund 456 127 - 583 Common stock - Financial services industry 554 25 - 579 Total 1,653 152 (5 ) 1,800 Total available-for-sale $ 99,024 $ 531 $ (613 ) $ 98,942 Held-to-Maturity Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 7,860 $ 81 $ (29 ) $ 7,912 State and political subdivisions 21,585 881 - 22,466 Corporate 4,175 53 (3 ) 4,225 Residential mortgage-backed - US agency 7,763 137 (5 ) 7,895 Collateralized mortgage obligations - US agency 2,914 103 - 3,017 Total held-to-maturity $ 44,297 $ 1,255 $ (37 ) $ 45,515
Amortized Cost and Estimated Fair Value of Debt Investments by Contractual Maturity	The amortized cost and estimated fair value of debt investments at June 30, 2016 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 $ 17,920 $ 17,926 $ 205 $ 206 Due after one year through five years 28,110 28,240 10,075 10,386 Due after five years through ten years 6,445 6,519 17,633 18,427 Due after ten years 2,435 2,443 4,146 4,346 Sub-total 54,910 55,128 32,059 33,365 Residential mortgage-backed - US agency 23,526 23,739 7,146 7,394 Collateralized mortgage obligations - US agency 29,711 29,843 2,921 3,128 Collateralized mortgage obligations - Private label 5,808 5,776 - - Totals $ 113,955 $ 114,486 $ 42,126 $ 43,887
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: June 30, 2016 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 4 $ (16 ) $ 11,991 - $ - $ - 4 $ (16 ) $ 11,991 State and political subdivisions 9 (17 ) 2,572 - - - 9 (17 ) 2,572 Corporate - - - 2 (26 ) 2,157 2 (26 ) 2,157 Equity and other investments 1 (8 ) 635 - - - 1 (8 ) 635 Residential mortgage-backed - US agency 1 - 659 - - - 1 - 659 Collateralized mortgage obligations - US agency 5 (32 ) 5,930 6 (52 ) 3,872 11 (84 ) 9,802 Collateralized mortgage obligations - Private label 2 (32 ) 2,127 - - - 2 (32 ) 2,127 Totals 22 $ (105 ) $ 23,914 8 $ (78 ) $ 6,029 30 $ (183 ) $ 29,943 Held-to-Maturity US Treasury, agencies and GSE's - $ - $ - - $ - $ - - $ - $ - Corporate 1 (13 ) 840 - - - 1 (13 ) 840 Residential mortgage-backed - US agency - - - - - - - - - Totals 1 $ (13 ) $ 840 - $ - $ - 1 $ (13 ) $ 840 December 31, 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 9 $ (70 ) $ 13,382 1 $ (15 ) $ 984 10 $ (85 ) $ 14,366 State and political subdivisions 13 (4 ) 1,894 3 (1 ) 339 16 (5 ) 2,233 Corporate 10 (57 ) 8,123 2 (39 ) 2,820 12 (96 ) 10,943 Equity and other investments 1 (5 ) 638 - - - 1 (5 ) 638 Residential mortgage-backed - US agency 14 (148 ) 20,204 5 (132 ) 4,812 19 (280 ) 25,016 Collateralized mortgage obligations - US agency 6 (80 ) 8,618 3 (62 ) 1,789 9 (142 ) 10,407 Collateralized mortgage obligations - Private label - - - - - - - - - Totals 53 $ (364 ) $ 52,859 14 $ (249 ) $ 10,744 67 $ (613 ) $ 63,603 Held-to-Maturity US Treasury, agencies and GSE's 2 $ (29 ) $ 2,970 - $ - $ - 2 $ (29 ) $ 2,970 Corporate 1 (3 ) 225 - - - 1 (3 ) 225 Residential mortgage-backed - US agency 1 (5 ) 795 - - - 1 (5 ) 795 Totals 4 $ (37 ) $ 3,990 - $ - $ - 4 $ (37 ) $ 3,990
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 six months ended June 30, ended June 30, (In thousands) 2016 2015 2016 2015 Realized gains $ 134 $ 53 $ 229 $ 110 Realized losses (2 ) (4 ) (17 ) (9 ) $ 132 $ 49 $ 212 $ 101

Pension and Postretirement Be23

Pension and Postretirement Benefits (Tables)	6 Months Ended
	Jun. 30, 2016
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 June 30, For the six months ended June 30, (In thousands) 2016 2015 2016 2015 2016 2015 2016 2015 Service cost $ - $ - $ - $ - $ - $ - $ - $ - Interest cost 116 117 2 5 232 234 4 9 Expected return on plan assets (238 ) (243 ) - - (476 ) (487 ) - - Amortization of net losses 56 45 (2 ) - 113 90 (4 ) - Net periodic benefit plan (benefit) cost $ (66 ) $ (81 ) $ - $ 5 $ (131 ) $ (163 ) $ - $ 9

Loans (Tables)

Loans (Tables)	6 Months Ended
	Jun. 30, 2016
Loans [Abstract]
Major Classification of Loans	Major classifications of loans at the indicated dates are as follows: June 30, December 31, (In thousands) 2016 2015 Residential mortgage loans: 1-4 family first-lien residential mortgages $ 188,455 $ 181,792 Construction 5,414 7,924 Total residential mortgage loans 193,869 189,716 Commercial loans: Real estate 132,433 129,506 Lines of credit 20,777 19,035 Other commercial and industrial 66,632 54,899 Tax exempt loans 8,265 9,081 Total commercial loans 228,107 212,521 Consumer loans: Home equity and junior liens 23,452 23,463 Other consumer 5,396 4,886 Total consumer loans 28,848 28,349 Total loans 450,824 430,586 Net deferred loan fees (243 ) (148 ) Less allowance for loan losses (5,930 ) (5,706 ) Loans receivable, net $ 444,651 $ 424,732
Summary of Classes of Loan Portfolio	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 June 30, 2016 Special (In thousands) Pass Mention Substandard Doubtful Total Residential mortgage loans: 1-4 family first-lien residential mortgages $ 184,629 $ 512 $ 1,850 $ 1,464 $ 188,455 Construction 5,414 - - - 5,414 Total residential mortgage loans 190,043 512 1,850 1,464 193,869 Commercial loans: Real estate 124,598 4,130 3,705 - 132,433 Lines of credit 19,704 1,058 15 - 20,777 Other commercial and industrial 65,634 722 270 6 66,632 Tax exempt loans 8,265 - - - 8,265 Total commercial loans 218,201 5,910 3,990 6 228,107 Consumer loans: Home equity and junior liens 22,915 182 177 178 23,452 Other consumer 5,282 54 60 - 5,396 Total consumer loans 28,197 236 237 178 28,848 Total loans $ 436,441 $ 6,658 $ 6,077 $ 1,648 $ 450,824 As of December 31, 2015 Special (In thousands) Pass Mention Substandard Doubtful Total Residential mortgage loans: 1-4 family first-lien residential mortgages $ 177,244 $ 1,375 $ 2,425 $ 748 $ 181,792 Construction 7,924 - - - 7,924 Total residential mortgage loans 185,168 1,375 2,425 748 189,716 Commercial loans: Real estate 121,283 4,345 3,878 - 129,506 Lines of credit 17,358 1,469 208 - 19,035 Other commercial and industrial 53,540 848 504 7 54,899 Tax exempt loans 9,081 - - - 9,081 Total commercial loans 201,262 6,662 4,590 7 212,521 Consumer loans: Home equity and junior liens 22,780 182 287 214 23,463 Other consumer 4,840 31 15 - 4,886 Total consumer loans 27,620 213 302 214 28,349 Total loans $ 414,050 $ 8,250 $ 7,317 $ 969 $ 430,586
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 June 30, 2016 and December 31, 2015, are detailed in the following tables: As of June 30, 2016 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 $ 1,562 $ 546 $ 1,721 $ 3,829 $ 184,626 $ 188,455 Construction - - - - 5,414 5,414 Total residential mortgage loans 1,562 546 1,721 3,829 190,040 193,869 Commercial loans: Real estate 76 507 2,736 3,319 129,114 132,433 Lines of credit - - 100 100 20,677 20,777 Other commercial and industrial 423 701 188 1,312 65,320 66,632 Tax exempt loans - - - - 8,265 8,265 Total commercial loans 499 1,208 3,024 4,731 223,376 228,107 Consumer loans: Home equity and junior liens 118 33 395 546 22,906 23,452 Other consumer 7 53 9 69 5,327 5,396 Total consumer loans 125 86 404 615 28,233 28,848 Total loans $ 2,186 $ 1,840 $ 5,149 $ 9,175 $ 441,649 $ 450,824 As of December 31, 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 $ 1,115 $ 808 $ 1,715 $ 3,638 $ 178,154 $ 181,792 Construction - - - - 7,924 7,924 Total residential mortgage loans 1,115 808 1,715 3,638 186,078 189,716 Commercial loans: Real estate 940 135 2,694 3,769 125,737 129,506 Lines of credit 20 - 174 194 18,841 19,035 Other commercial and industrial 159 216 370 745 54,154 54,899 Tax exempt loans - - - - 9,081 9,081 Total commercial loans 1,119 351 3,238 4,708 207,813 212,521 Consumer loans: Home equity and junior liens 132 - 360 492 22,971 23,463 Other consumer 14 15 5 34 4,852 4,886 Total consumer loans 146 15 365 526 27,823 28,349 Total loans $ 2,380 $ 1,174 $ 5,318 $ 8,872 $ 421,714 $ 430,586
Nonaccrual Loans Segregated by Class of Loan	Nonaccrual loans, segregated by class of loan, were as follows: June 30, December 31, (In thousands) 2016 2015 Residential mortgage loans: 1-4 family first-lien residential mortgages $ 1,721 $ 1,715 1,721 1,715 Commercial loans: Real estate 2,736 2,694 Lines of credit 100 174 Other commercial and industrial 188 370 3,024 3,238 Consumer loans: Home equity and junior liens 395 360 Other consumer 9 5 404 365 Total nonaccrual loans $ 5,149 $ 5,318
Summary of Impaired Loans Information by Portfolio Class	The following tables summarize impaired loan information by portfolio class at the indicated dates: June 30, 2016 December 31, 2015 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 $ 469 $ 469 $ - $ 473 $ 473 $ - Commercial real estate 2,332 2,513 - 2,580 2,709 - Commercial lines of credit 410 410 - 574 597 - Other commercial and industrial 377 377 - 536 569 - Home equity and junior liens 278 278 - 187 187 - Other consumer 2 3 - 5 6 - With an allowance recorded: 1-4 family first-lien residential mortgages 131 144 39 - - - Commercial real estate 1,912 2,035 792 1,850 1,963 760 Commercial lines of credit 5 5 5 5 5 5 Other commercial and industrial 183 198 152 224 230 193 Home equity and junior liens 7 8 6 101 101 2 Other consumer - - - - - - Total: 1-4 family first-lien residential mortgages 600 613 39 473 473 - Commercial real estate 4,244 4,548 792 4,430 4,672 760 Commercial lines of credit 415 415 5 579 602 5 Other commercial and industrial 560 575 152 760 799 193 Home equity and junior liens 285 286 6 288 288 2 Other consumer 2 3 - 5 6 - Totals $ 6,106 $ 6,440 $ 994 $ 6,535 $ 6,840 $ 960
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 six months ended June 30, June 30, (In thousands) 2016 2015 2016 2015 1-4 family first-lien residential mortgages $ 602 $ 633 $ 559 $ 801 Commercial real estate 4,298 4,875 4,342 4,920 Commercial lines of credit 501 543 526 455 Other commercial and industrial 647 861 685 775 Home equity and junior liens 288 295 288 317 Other consumer 3 8 4 9 Total $ 6,339 $ 7,215 $ 6,404 $ 7,277
Cash Basis Interest Income Recognized on Impaired Loans	The following table presents the cash basis interest income recognized on impaired loans for the periods indicated: For the three months ended For the six months ended June 30, June 30, (In thousands) 2016 2015 2016 2015 1-4 family first-lien residential mortgages $ 5 $ 5 $ 12 $ 9 Commercial real estate 27 34 52 50 Commercial lines of credit - 7 - 7 Other commercial and industrial 12 13 21 18 Home equity and junior liens 2 - 4 10 Other consumer - - - - Total $ 46 $ 59 $ 89 $ 94

Allowance for Loan Losses (Tabl

Allowance for Loan Losses (Tables)	6 Months Ended
	Jun. 30, 2016
Allowance for Loan Losses [Abstract]
Changes in the Allowance for Loan Losses	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 June 30, 2016 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 $ 642 $ - $ 2,884 $ 395 $ 1,213 Charge-offs (30 ) - - (22 ) - Recoveries 1 - - 1 3 Provisions 14 - 187 31 25 Ending balance $ 627 $ - $ 3,071 $ 405 $ 1,241 Ending balance: related to loans individually evaluated for impairment 39 - 792 5 152 Ending balance: related to loans collectively evaluated for impairment $ 588 $ - $ 2,279 $ 400 $ 1,089 Loans receivables: Ending balance $ 188,455 $ 5,414 $ 132,433 $ 20,777 $ 66,632 Ending balance: individually evaluated for impairment 600 - 4,244 415 560 Ending balance: collectively evaluated for impairment $ 187,855 $ 5,414 $ 128,189 $ 20,362 $ 66,072 Home equity Other Municipal and junior liens Consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 2 $ 355 $ 145 $ 215 $ 5,851 Charge-offs - (29 ) (10 ) - (91 ) Recoveries - 1 14 - 20 Provisions (1 ) 23 (2 ) (127 ) 150 Ending balance $ 1 $ 350 $ 147 $ 88 $ 5,930 Ending balance: related to loans individually evaluated for impairment - 6 - - 994 Ending balance: related to loans collectively evaluated for impairment $ 1 $ 344 $ 147 $ 88 $ 4,936 Loans receivables: Ending balance $ 8,265 $ 23,452 $ 5,396 $ 450,824 Ending balance: individually evaluated for impairment - 285 2 6,106 Ending balance: collectively evaluated for impairment $ 8,265 $ 23,167 $ 5,394 $ 444,718 For the six months ended June 30, 2016 1-4 family first-lien Other residential Commercial Commercial commercial ( In thousands) mortgage Construction real estate lines of credit and industrial Allowance for loan losses: Beginning Balance $ 581 $ - $ 2,983 $ 401 $ 1,270 Charge-offs (30 ) - - (43 ) - Recoveries 1 - - 9 7 Provisions 75 - 88 38 (36 ) Ending balance $ 627 $ - $ 3,071 $ 405 $ 1,241 Home equity Other Tax exempt and junior liens consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 3 $ 350 $ 118 $ - $ 5,706 Charge-offs - (89 ) (19 ) - (181 ) Recoveries - 3 25 - 45 Provisions (2 ) 86 23 88 360 Ending balance $ 1 $ 350 $ 147 $ 88 $ 5,930 For the three months ended June 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 $ 498 $ - $ 3,165 $ 441 $ 938 Charge-offs (27 ) - - - - Recoveries 38 - - 25 3 Provisions 35 - 123 51 169 Ending balance $ 544 $ - $ 3,288 $ 517 $ 1,110 Ending balance: related to loans individually evaluated for impairment - - 1,064 150 220 Ending balance: related to loans collectively evaluated for impairment $ 544 $ - $ 2,224 $ 367 $ 890 Loans receivables: Ending balance $ 175,978 $ 3,934 $ 126,349 $ 18,119 $ 42,290 Ending balance: individually evaluated for impairment 479 - 4,818 612 952 Ending balance: collectively evaluated for impairment $ 175,499 $ 3,934 $ 121,531 $ 17,507 $ 41,338 Home equity Other Municipal and junior liens Consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 4 $ 329 $ 87 $ - $ 5,462 Charge-offs - - (12 ) - (39 ) Recoveries - - 10 - 76 Provisions 1 2 20 - 401 Ending balance $ 5 $ 331 $ 105 $ - $ 5,900 Ending balance: related to loans individually evaluated for impairment - 5 - - 1,439 Ending balance: related to loans collectively evaluated for impairment $ 5 $ 326 $ 105 $ - $ 4,461 Loans receivables: Ending balance $ 9,606 $ 22,591 $ 4,610 $ 403,477 Ending balance: individually evaluated for impairment - 294 7 7,162 Ending balance: collectively evaluated for impairment $ 9,606 $ 22,297 $ 4,603 $ 396,315 For the six months ended June 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 (165 ) - (29 ) (10 ) (108 ) Recoveries 38 - - 36 5 Provisions 162 - 516 31 179 Ending balance $ 544 $ - $ 3,288 $ 517 $ 1,110 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 - - (32 ) - (344 ) Recoveries - 7 25 - 111 Provisions 2 (64 ) 14 (56 ) 784 Ending balance $ 5 $ 331 $ 105 $ - $ 5,900

Foreclosed Real Estate (Tables)

Foreclosed Real Estate (Tables)	6 Months Ended
	Jun. 30, 2016
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 June 30, 2016 Number of properties December 31, 2015 Foreclosed residential real estate 4 $ 170 2 $ 182

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	6 Months Ended
	Jun. 30, 2016
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: June 30, 2016 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Available-for-sale portfolio Debt investment securities: US Treasury, agencies and GSEs $ - $ 28,034 $ - $ 28,034 State and political subdivisions - 11,942 - 11,942 Corporate - 12,588 - 12,588 Asset backed securities - 2,564 - 2,564 Residential mortgage-backed - US agency - 23,739 - 23,739 Collateralized mortgage obligations - US agency - 29,843 - 29,843 Collateralized mortgage obligations - Private label - 5,776 - 5,776 Equity investment securities: Mutual funds: Ultra short mortgage fund 635 - - 635 Large cap equity fund 611 - - 611 Common stock - financial services industry - 220 443 663 Total available-for-sale securities $ 1,246 $ 114,706 $ 443 $ 116,395 Interest rate swap derivative $ - $ - $ - $ - December 31, 2015 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Available-for-sale portfolio Debt investment securities: US Treasury, agencies and GSEs $ - $ 21,308 $ - $ 21,308 State and political subdivisions - 8,300 - 8,300 Corporate - 18,128 - 18,128 Residential mortgage-backed - US agency - 32,573 - 32,573 Collateralized mortgage obligations - US agency - 16,833 - 16,833 Collateralized mortgage obligations - Private label - - - - Equity investment securities: Mutual funds: Ultra short mortgage fund 638 - - 638 Large cap equity fund 583 - - 583 Common stock - financial services industry 46 220 313 579 Total available-for-sale securities $ 1,267 $ 97,362 $ 313 $ 98,942 Interest rate swap derivative $ - $ (27 ) $ - $ (27 )
Changes in Level 3 Assets and Liabilities Measured at Estimated Fair Value on a Recurring Basis	The changes in Level 3 assets and liabilities measured at estimated fair value on a recurring basis during the three months ended June 30, 2016 were as follows: (In thousands) Common Stock - Financial Services Industry Balance - March 31, 2016 $ 313 Total gains realized/unrealized: Included in earnings - Included in other comprehensive income - Settlements 130 Sales - Balance - June 30, 2016 $ 443 Changes in unrealized gains included in earnings related to assets still held at June 30, 2016 $ - The changes in Level 3 assets and liabilities measured at estimated fair value on a recurring basis during the six months ended June 30, 2016 were as follows: (In thousands) Common Stock - Financial Services Industry Balance - December 31, 2015 $ 313 Total gains realized/unrealized: Included in earnings - Included in other comprehensive income - Settlements 130 Sales - Balance - June 30, 2016 $ 443 Changes in unrealized gains included in earnings related to assets still held at June 30, 2016 $ -
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: (In thousands) At June 30, 2016 Investment Type Fair Value Valuation Techniques Unobservable Input Weight Common Stock - Financial Services Industry $ 443 Inputs to comparables Weight ascribed to comparable companies 100 % (In thousands) At December 31, 2015 Investment Type Fair Value Valuation Techniques Unobservable Input Weight Common Stock - Financial Services Industry $ 313 Inputs to comparables Weight ascribed to comparable companies 100 % The Bank had the following assets measured at fair value on a nonrecurring basis as of June 30, 2016 and December 31, 2015: June 30, 2016 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ - $ - $ 518 $ 518 Foreclosed real estate $ - $ - $ 170 $ 170 December 31, 2015 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ - $ - $ 1,070 $ 1,070 Foreclosed real estate $ - $ - $ 360 $ 360
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 June 30, 2016 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, 2015 Impaired loans Appraisal of collateral Appraisal Adjustments 5% - 10% (8%) (Sales Approach) Costs to Sell 8% - 15% (14%) 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: June 30, 2016 December 31, 2015 Fair Value Carrying Estimated Carrying Estimated (In thousands) Hierarchy Amounts Fair Values Amounts Fair Values Financial assets: Cash and cash equivalents 1 $ 25,096 $ 25,096 $ 15,245 $ 15,245 Investment securities - available-for-sale 1 1,246 1,246 1,267 1,267 Investment securities - available-for-sale 2 114,706 114,706 97,362 97,362 Investment securities - available-for-sale 3 443 443 313 313 Investment securities - held-to-maturity 2 42,126 43,887 44,297 45,515 Federal Home Loan Bank stock 2 4,036 4,036 2,424 2,424 Net loans 3 444,651 452,752 424,732 428,410 Accrued interest receivable 1 2,069 2,069 2,053 2,053 Financial liabilities: Demand Deposits, Savings, NOW and MMDA 1 $ 382,677 $ 382,677 $ 343,853 $ 343,852 Time Deposits 2 143,391 144,295 146,462 146,158 Borrowings 2 63,450 63,643 41,300 41,282 Subordinated loans 2 15,008 13,905 14,991 14,027 Accrued interest payable 1 39 39 199 199 Interest rate swap derivative 2 - - 27 27

Interest Rate Derivatives (Tabl

Interest Rate Derivatives (Tables)	6 Months Ended
	Jun. 30, 2016
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: (In thousands) June 30, 2016 December 31, 2015 Cash flow hedge: Other liabilities $ - $ 27
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 June 30, (In thousands) 2016 2015 Balance as of March 31: $ (14 ) $ (67 ) Amount of losses (gains) recognized in other comprehensive income 3 (5 ) Amount of loss reclassified from other comprehensive income and recognized as interest expense 11 15 Balance as of June 30: $ - $ (57 ) Six months ended June 30, (In thousands) 2016 2015 Balance as of December 31: $ (27 ) $ (82 ) Amount of losses (gains) recognized in other comprehensive income 2 (6 ) Amount of loss reclassified from other comprehensive income and recognized as interest expense 25 31 Balance as of June 30: $ - $ (57 )

Accumulated Other Comprehensi29

Accumulated Other Comprehensive Income (Loss) (Tables)	6 Months Ended
	Jun. 30, 2016
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 June 30, 2016 (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 $ (1,812 ) $ (8 ) $ 322 $ (633 ) $ (2,131 ) Other comprehensive income before reclassifications - 1 4 21 26 Amounts reclassified from AOCI 33 7 80 - 120 Ending balance $ (1,779 ) $ - $ 406 $ (612 ) $ (1,985 ) For the six months ended June 30, 2016 (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 $ (1,844 ) $ (16 ) $ (51 ) $ (654 ) $ (2,565 ) Other comprehensive income before reclassifications - 1 329 42 372 Amounts reclassified from AOCI 65 15 128 - 208 Ending balance $ (1,779 ) $ - $ 406 $ (612 ) $ (1,985 ) For the three months ended June 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 $ (1,767 ) $ (40 ) $ 705 $ (713 ) $ (1,815 ) Other comprehensive (loss) income before reclassifications - (3 ) (527 ) 19 (511 ) Amounts reclassified from AOCI 27 9 (29 ) - 7 Ending balance $ (1,740 ) $ (34 ) $ 149 $ (694 ) $ (2,319 ) For the six months ended June 30, 2015 (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 $ (1,794 ) $ (49 ) $ 457 $ (733 ) (2,119 ) Other comprehensive (loss) income before reclassifications - (4 ) (248 ) 39 (213 ) Amounts reclassified from AOCI 54 19 (60 ) - 13 Ending balance $ (1,740 ) $ (34 ) $ 149 $ (694 ) $ (2,319 )
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 six months ended Details about AOCI 1 June 30, 2016 June 30, 2015 Affected Line Item in the Statement of Income June 30, 2016 June 30, 2015 Unrealized holding gain on financial derivative: Reclassification adjustment for interest expense included in net income $ (11 ) $ (15 ) Interest on long term borrowings $ (25 ) $ (31 ) 4 6 Provision for income taxes 10 12 $ (7 ) $ (9 ) Net Income $ (15 ) $ (19 ) Retirement plan items Retirement plan net losses recognized in plan expenses 2 $ (54 ) $ (45 ) Salaries and employee benefits $ (109 ) $ (90 ) 21 18 Provision for income taxes 44 36 $ (33 ) $ (27 ) Net Income $ (65 ) $ (54 ) Available-for-sale securities Realized gain on sale of securities $ (132 ) $ 49 Net gains on sales and redemptions of investment securities $ (212 ) $ 101 52 (20 ) Provision for income taxes 84 (41 ) $ (80 ) $ 29 Net Income $ (128 ) $ 60 1 2 See Note 5 for additional information.

Basis of Presentation (Details)

Basis of Presentation (Details) - USD ($)	Feb. 16, 2016	Jun. 30, 2016	Jun. 30, 2016	Jun. 30, 2015	Dec. 31, 2015
Basis of Presentation [Abstract]
Membership interest own in Fitzgibbons through subsidiary		51.00%	51.00%
Consolidation of membership interest in Fitzgibbons		100.00%	100.00%
Noncontrolling interest by subsidiary		49.00%	49.00%
Nature of Operations [Line Items]
Subordinated loan face value		$ 5,000,000	$ 5,000,000
Preferred stock dividend rate	9.00%
Cash dividends paid to preferred shareholder - SBLF		$ 16,000	$ 49,000	$ 65,000	$ 130,000
Subordinated Note [Member]
Nature of Operations [Line Items]
Subordinated loan face value	$ 10,000,000
Subordinated effective interest rate	6.44%
Annual increase in interest expense	$ 644,000
Series B Preferred Stock [Member]
Nature of Operations [Line Items]
Redeemed shares (in shares)	(13,000)
Payment for redeemed shares	$ (13,000,000)
Preferred Stock SBLF [Member]
Nature of Operations [Line Items]
Preferred dividends payable amount	1,200,000
Dividend payable after retirement of preferred stock	$ 0

Earnings per Common Share (Deta

Earnings per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Earnings per Common Share [Abstract]
Anti-dilutive stock options (in shares)	280,396	0	148,434	8,236
Basic Earnings Per Common Share [Abstract]
Net income available to common shareholders	$ 832	$ 661	$ 1,477	$ 1,158
Weighted average common shares outstanding (in shares)	4,149,000	4,120,000	4,145,000	4,117,000
Basic earnings per common share (in dollars per share)	$ 0.20	$ 0.16	$ 0.36	$ 0.28
Diluted Earnings Per Common Share [Abstract]
Net income available to common shareholders	$ 832	$ 661	$ 1,477	$ 1,158
Weighted average common shares outstanding (in shares)	4,149,000	4,120,000	4,145,000	4,117,000
Effect of assumed exercise of stock options (in shares)	84,000	67,000	81,000	62,000
Diluted weighted average common shares outstanding (in shares)	4,233,000	4,187,000	4,226,000	4,179,000
Diluted earnings per common share (in dollar per share)	$ 0.20	$ 0.16	$ 0.35	$ 0.28

Investment Securities (Details)

Investment Securities (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016USD ($)Security	Jun. 30, 2015USD ($)	Jun. 30, 2016USD ($)Security	Jun. 30, 2015USD ($)	Dec. 31, 2015USD ($)Security
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	$ 113,955		$ 113,955
Total investment securities, amortized cost basis	115,717		115,717		$ 99,024
Gross Unrealized Gains	861		861		531
Gross Unrealized Losses	(183)		(183)		(613)
Estimated Fair Value	116,395		$ 116,395		98,942
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Number of unrated structured credit issuances | Security			3
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, debt maturities, Amortized Cost	42,126		$ 42,126		44,297
Held to maturity, gross unrealized gains	1,774		1,774		1,255
Held to maturity, gross unrealized losses	(13)		(13)		(37)
Held-to-maturity Securities, Debt Maturities, Fair Value	43,887		43,887		45,515
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(13)		(13)		(37)
Twelve months or more Unrealized Losses	0		0		0
Total Unrealized Losses	(13)		(13)		(37)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	840		840		3,990
Twelve months or more Fair Value	0		0		0
Total Fair Value	$ 840		$ 840		$ 3,990
Number of securities in unrealized loss positions, less than twelve months | Security	1		1		4
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		4
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Due in one year or less	$ 17,920		$ 17,920
Due after one year through five years	28,110		28,110
Due after five years through ten years	6,445		6,445
Due after ten years	2,435		2,435
Sub-total	54,910		54,910
Residential mortgage-backed - US agency	23,526		23,526
Collateralized mortgage obligations - US agency	29,711		29,711
Collateralized mortgage obligations - Private label	5,808		5,808
Totals, amortized cost	113,955		113,955
Available-for-sale securities, debt maturities, Estimated Fair Value [Abstract]
Due in one year or less	17,926		17,926
Due after one year through five years	28,240		28,240
Due after five years through ten years	6,519		6,519
Due after ten years	2,443		2,443
Sub-total	55,128		55,128
Residential mortgage-backed - US agency	23,739		23,739
Collateralized mortgage obligations - US agency	29,843		29,843
Collateralized mortgage obligations - Private label	5,776		5,776
Available-for-sale securities, debt maturities, fair value, totals	114,486		114,486
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Due in one year or less	205		205
Due after one year through five years	10,075		10,075
Due after five years through ten years	17,633		17,633
Due after ten years	4,146		4,146
Sub-total	32,059		32,059
Residential mortgage-backed - US agency	7,146		7,146
Collateralized mortgage obligations - US agency	2,921		2,921
Collateralized mortgage obligations - Private label	0		0
Held-to-maturity securities, debt maturities, Amortized Cost	42,126		42,126		$ 44,297
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Due in one year or less	206		206
Due after one year through five years	10,386		10,386
Due after five years through ten years	18,427		18,427
Due after ten years	4,346		4,346
Sub-total	33,365		33,365
Residential mortgage-backed - US agency	7,394		7,394
Collateralized mortgage obligations - US agency	3,128		3,128
Collateralized mortgage obligations - Private label	0		0
Held-to-maturity Securities, Debt Maturities, Fair Value	43,887		43,887		45,515
Gain (Loss) on Sale of Investments [Abstract]
Realized gains	134	$ 53	229	$ 110
Realized losses	(2)	(4)	(17)	(9)
Total	132	$ 49	212	$ 101
Securities pledged to collateralize deposit	74,500		74,500		89,700
Securities pledged to collateralize borrowing	15,500		15,500		17,800
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	113,955		113,955		97,371
Gross Unrealized Gains, Debt investment securities	706		706		379
Gross Unrealized Losses, Debt investment securities	(175)		(175)		(608)
Available-for-sale Securities, Debt investment securities	114,486		114,486		97,142
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(105)		(105)		(364)
Twelve months or more Unrealized Losses	(78)		(78)		(249)
Total Unrealized Losses	(183)		(183)		(613)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	23,914		23,914		52,859
Twelve months or more Fair Value	6,029		6,029		10,744
Total Fair Value	$ 29,943		$ 29,943		$ 63,603
Number of securities in unrealized loss positions, less than twelve months | Security	22		22		53
Number of securities in unrealized loss positions, twelve months or more | Security	8		8		14
Number of securities in unrealized loss positions | Security	30		30		67
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 113,955		$ 113,955		$ 97,371
US Treasury, Agencies and GSEs [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	28,041		28,041		21,380
Gross Unrealized Gains, Debt investment securities	9		9		13
Gross Unrealized Losses, Debt investment securities	(16)		(16)		(85)
Available-for-sale Securities, Debt investment securities	28,034		28,034		21,308
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(16)		(16)		(70)
Twelve months or more Unrealized Losses	0		0		(15)
Total Unrealized Losses	(16)		(16)		(85)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	11,991		11,991		13,382
Twelve months or more Fair Value	0		0		984
Total Fair Value	$ 11,991		$ 11,991		$ 14,366
Number of securities in unrealized loss positions, less than twelve months | Security	4		4		9
Number of securities in unrealized loss positions, twelve months or more | Security	0		0		1
Number of securities in unrealized loss positions | Security	4		4		10
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 28,041		$ 28,041		$ 21,380
State and Political Subdivisions [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	11,804		11,804		8,198
Gross Unrealized Gains, Debt investment securities	155		155		107
Gross Unrealized Losses, Debt investment securities	(17)		(17)		(5)
Available-for-sale Securities, Debt investment securities	11,942		11,942		8,300
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(17)		(17)		(4)
Twelve months or more Unrealized Losses	0		0		(1)
Total Unrealized Losses	(17)		(17)		(5)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	2,572		2,572		1,894
Twelve months or more Fair Value	0		0		339
Total Fair Value	$ 2,572		$ 2,572		$ 2,233
Number of securities in unrealized loss positions, less than twelve months | Security	9		9		13
Number of securities in unrealized loss positions, twelve months or more | Security	0		0		3
Number of securities in unrealized loss positions | Security	9		9		16
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 11,804		$ 11,804		$ 8,198
Corporate [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	12,501		12,501		18,173
Gross Unrealized Gains, Debt investment securities	113		113		51
Gross Unrealized Losses, Debt investment securities	(26)		(26)		(96)
Available-for-sale Securities, Debt investment securities	12,588		12,588		18,128
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	0		0		(57)
Twelve months or more Unrealized Losses	(26)		(26)		(39)
Total Unrealized Losses	(26)		(26)		(96)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	0		0		8,123
Twelve months or more Fair Value	2,157		2,157		2,820
Total Fair Value	$ 2,157		$ 2,157		$ 10,943
Number of securities in unrealized loss positions, less than twelve months | Security	0		0		10
Number of securities in unrealized loss positions, twelve months or more | Security	2		2		2
Number of securities in unrealized loss positions | Security	2		2		12
Percentage of securities remaining in unrealized loss positions, twelve months or more	1.57%		1.57%
Number of security rated at the lowest label investment grade | Security			3
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 12,501		$ 12,501		$ 18,173
Residential Mortgage-Backed - US Agency [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	23,526		23,526		32,740
Gross Unrealized Gains, Debt investment securities	213		213		113
Gross Unrealized Losses, Debt investment securities	0		0		(280)
Available-for-sale Securities, Debt investment securities	23,739		23,739		32,573
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	23,526		23,526		32,740
Asset Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	2,564		2,564
Gross Unrealized Gains, Debt investment securities	0		0
Gross Unrealized Losses, Debt investment securities	0		0
Available-for-sale Securities, Debt investment securities	2,564		2,564
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	0		0		(148)
Twelve months or more Unrealized Losses	0		0		(132)
Total Unrealized Losses	0		0		(280)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	659		659		20,204
Twelve months or more Fair Value	0		0		4,812
Total Fair Value	$ 659		$ 659		$ 25,016
Number of securities in unrealized loss positions, less than twelve months | Security	1		1		14
Number of securities in unrealized loss positions, twelve months or more | Security	0		0		5
Number of securities in unrealized loss positions | Security	1		1		19
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 2,564		$ 2,564
Collateralized Mortgage Obligations - US Agency [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	29,711		29,711		$ 16,880
Gross Unrealized Gains, Debt investment securities	216		216		95
Gross Unrealized Losses, Debt investment securities	(84)		(84)		(142)
Available-for-sale Securities, Debt investment securities	29,843		29,843		16,833
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(32)		(32)		(80)
Twelve months or more Unrealized Losses	(52)		(52)		(62)
Total Unrealized Losses	(84)		(84)		(142)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	5,930		5,930		8,618
Twelve months or more Fair Value	3,872		3,872		1,789
Total Fair Value	$ 9,802		$ 9,802		$ 10,407
Number of securities in unrealized loss positions, less than twelve months | Security	5		5		6
Number of securities in unrealized loss positions, twelve months or more | Security	6		6		3
Number of securities in unrealized loss positions | Security	11		11		9
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 29,711		$ 29,711		$ 16,880
Collateralized Mortgage Obligations of Private Label [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	5,808		5,808		0
Gross Unrealized Gains, Debt investment securities	0		0		0
Gross Unrealized Losses, Debt investment securities	(32)		(32)		0
Available-for-sale Securities, Debt investment securities	5,776		5,776		0
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(32)		(32)		0
Twelve months or more Unrealized Losses	0		0		0
Total Unrealized Losses	(32)		(32)		0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	2,127		2,127		0
Twelve months or more Fair Value	0		0		0
Total Fair Value	$ 2,127		$ 2,127		$ 0
Number of securities in unrealized loss positions, less than twelve months | Security	2		2		0
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		0
Percentage of securities remaining in unrealized loss positions, less than twelve months	1.53%		1.53%
Number of months securities is in a loss position			3 months
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 5,808		$ 5,808		$ 0
Municipal Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Number of securities in unrealized loss positions, less than twelve months | Security	9		9
Number of months securities is in a loss position			4 months
Municipal Securities [Member] | Minimum [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Securities in insignificant unrealized loss position to current value	0.01%		0.01%
Municipal Securities [Member] | Maximum [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Securities in insignificant unrealized loss position to current value	1.31%		1.31%
Equity and Other Investments [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost, equity securities	$ 1,762		$ 1,762		1,653
Gross Unrealized Gains, Equity investment securities	155		155		152
Gross Unrealized Losses, Equity investment securities	(8)		(8)		(5)
Available-for-sale Securities, Equity investment securities	1,909		1,909		1,800
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(8)		(8)		(5)
Twelve months or more Unrealized Losses	0		0		0
Total Unrealized Losses	(8)		(8)		(5)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	635		635		638
Twelve months or more Fair Value	0		0		0
Total Fair Value	$ 635		$ 635		$ 638
Number of securities in unrealized loss positions, less than twelve months | Security	1		1		1
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		1
Mutual Funds Ultra Short Mortgage Fund [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost, equity securities	$ 643		$ 643		$ 643
Gross Unrealized Gains, Equity investment securities	0		0		0
Gross Unrealized Losses, Equity investment securities	(8)		(8)		(5)
Available-for-sale Securities, Equity investment securities	635		635		638
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	155		155		127
Gross Unrealized Losses, Equity investment securities	0		0		0
Available-for-sale Securities, Equity investment securities	611		611		583
Mutual funds Common Stock Financial Services Industry [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost, equity securities	663		663		554
Gross Unrealized Gains, Equity investment securities	0		0		25
Gross Unrealized Losses, Equity investment securities	0		0		0
Available-for-sale Securities, Equity investment securities	663		663		579
US Treasury, Agencies and GSEs [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, debt maturities, Amortized Cost	5,874		5,874		7,860
Held to maturity, gross unrealized gains	178		178		81
Held to maturity, gross unrealized losses	0		0		(29)
Held-to-maturity Securities, Debt Maturities, Fair Value	6,052		6,052		7,912
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	0		0		(29)
Twelve months or more Unrealized Losses	0		0		0
Total Unrealized Losses	0		0		(29)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	0		0		2,970
Twelve months or more Fair Value	0		0		0
Total Fair Value	$ 0		$ 0		$ 2,970
Number of securities in unrealized loss positions, less than twelve months | Security	0		0		2
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		2
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Held-to-maturity securities, debt maturities, Amortized Cost	$ 5,874		$ 5,874		$ 7,860
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity Securities, Debt Maturities, Fair Value	6,052		6,052		7,912
State and Political Subdivisions [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, debt maturities, Amortized Cost	21,578		21,578		21,585
Held to maturity, gross unrealized gains	1,095		1,095		881
Held to maturity, gross unrealized losses	0		0		0
Held-to-maturity Securities, Debt Maturities, Fair Value	22,673		22,673		22,466
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Held-to-maturity securities, debt maturities, Amortized Cost	21,578		21,578		21,585
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity Securities, Debt Maturities, Fair Value	22,673		22,673		22,466
Corporate [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, debt maturities, Amortized Cost	4,607		4,607		4,175
Held to maturity, gross unrealized gains	46		46		53
Held to maturity, gross unrealized losses	(13)		(13)		(3)
Held-to-maturity Securities, Debt Maturities, Fair Value	4,640		4,640		4,225
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(13)		(13)		(3)
Twelve months or more Unrealized Losses	0		0		0
Total Unrealized Losses	(13)		(13)		(3)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	840		840		225
Twelve months or more Fair Value	0		0		0
Total Fair Value	$ 840		$ 840		$ 225
Number of securities in unrealized loss positions, less than twelve months | Security	1		1		1
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		1
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Held-to-maturity securities, debt maturities, Amortized Cost	$ 4,607		$ 4,607		$ 4,175
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity Securities, Debt Maturities, Fair Value	4,640		4,640		4,225
Residential Mortgage-Backed - US Agency [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, debt maturities, Amortized Cost	7,146		7,146		7,763
Held to maturity, gross unrealized gains	248		248		137
Held to maturity, gross unrealized losses	0		0		(5)
Held-to-maturity Securities, Debt Maturities, Fair Value	7,394		7,394		7,895
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	0		0		(5)
Twelve months or more Unrealized Losses	0		0		0
Total Unrealized Losses	0		0		(5)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	0		0		795
Twelve months or more Fair Value	0		0		0
Total Fair Value	$ 0		$ 0		$ 795
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	$ 7,146		$ 7,146		$ 7,763
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity Securities, Debt Maturities, Fair Value	7,394		7,394		7,895
Collateralized Mortgage Obligations - US Agency [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, debt maturities, Amortized Cost	2,921		2,921		2,914
Held to maturity, gross unrealized gains	207		207		103
Held to maturity, gross unrealized losses	0		0		0
Held-to-maturity Securities, Debt Maturities, Fair Value	3,128		3,128		3,017
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Held-to-maturity securities, debt maturities, Amortized Cost	2,921		2,921		2,914
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity Securities, Debt Maturities, Fair Value	$ 3,128		$ 3,128		$ 3,017

Pension and Postretirement Be33

Pension and Postretirement Benefits (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
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	116	117	232	234
Expected return on plan assets	(238)	(243)	(476)	(487)
Amortization of net losses	56	45	113	90
Net periodic benefit plan (benefit) cost	(66)	(81)	(131)	(163)
Postretirement Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Service cost	0	0	0	0
Interest cost	2	5	4	9
Expected return on plan assets	0	0	0	0
Amortization of net losses	(2)	0	(4)	0
Net periodic benefit plan (benefit) cost	$ 0	$ 5	$ 0	$ 9

Loans (Details)

Loans (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2016USD ($)Segment	Dec. 31, 2015USD ($)	Jun. 30, 2015USD ($)
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	$ 450,824	$ 430,586	$ 403,477
Net deferred loan fees	(243)	(148)
Less allowance for loan losses	(5,930)	(5,706)
Loans receivable, net	$ 444,651	424,732
Number of portfolio segment | Segment	3
1-4 Family First Lien Residential Mortgage [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	$ 188,455		175,978
Real Estate [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	132,433		126,349
Other Commercial and Industrial [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	66,632		42,290
Home Equity and Junior Liens [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	23,452		22,591
Other Consumer [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	5,396		$ 4,610
Residential Mortgage Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	193,869	189,716
Residential mortgage loans pledged to FHLBNY as blanket collateral	130,900	125,800
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	188,455	181,792
Residential Mortgage Loans [Member] | Construction [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	5,414	7,924
Commercial Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	228,107	212,521
Commercial Loans [Member] | Real Estate [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	132,433	129,506
Commercial Loans [Member] | Lines of Credit [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	20,777	19,035
Commercial Loans [Member] | Other Commercial and Industrial [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	66,632	54,899
Commercial Loans [Member] | Tax Exempt Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	8,265	9,081
Consumer Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	28,848	28,349
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	23,452	23,463
Consumer Loans [Member] | Other Consumer [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	$ 5,396	$ 4,886

Loans, Credit Quality Indicator

Loans, Credit Quality Indicator Details (Details) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015	Jun. 30, 2015
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 450,824	$ 430,586	$ 403,477
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	436,441	414,050
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	6,658	8,250
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	6,077	7,317
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,648	969
1-4 Family First Lien Residential Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	188,455		175,978
Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	132,433		126,349
Other Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	66,632		42,290
Home Equity and Junior Liens [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	23,452		22,591
Other Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,396		$ 4,610
Residential Mortgage Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	193,869	189,716
Residential Mortgage Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	190,043	185,168
Residential Mortgage Loans [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	512	1,375
Residential Mortgage Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,850	2,425
Residential Mortgage Loans [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,464	748
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	188,455	181,792
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	184,629	177,244
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	512	1,375
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,850	2,425
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,464	748
Residential Mortgage Loans [Member] | Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,414	7,924
Residential Mortgage Loans [Member] | Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,414	7,924
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	228,107	212,521
Commercial Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	218,201	201,262
Commercial Loans [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,910	6,662
Commercial Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	3,990	4,590
Commercial Loans [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	6	7
Commercial Loans [Member] | Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	132,433	129,506
Commercial Loans [Member] | Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	124,598	121,283
Commercial Loans [Member] | Real Estate [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	4,130	4,345
Commercial Loans [Member] | Real Estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	3,705	3,878
Commercial Loans [Member] | Real Estate [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial Loans [Member] | Lines of Credit [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	20,777	19,035
Commercial Loans [Member] | Lines of Credit [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	19,704	17,358
Commercial Loans [Member] | Lines of Credit [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,058	1,469
Commercial Loans [Member] | Lines of Credit [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	15	208
Commercial Loans [Member] | Lines of Credit [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial Loans [Member] | Other Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	66,632	54,899
Commercial Loans [Member] | Other Commercial and Industrial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	65,634	53,540
Commercial Loans [Member] | Other Commercial and Industrial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	722	848
Commercial Loans [Member] | Other Commercial and Industrial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	270	504
Commercial Loans [Member] | Other Commercial and Industrial [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	6	7
Commercial Loans [Member] | Tax Exempt Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	8,265	9,081
Commercial Loans [Member] | Tax Exempt Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	8,265	9,081
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	28,848	28,349
Consumer Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	28,197	27,620
Consumer Loans [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	236	213
Consumer Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	237	302
Consumer Loans [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	178	214
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	23,452	23,463
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	22,915	22,780
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	182	182
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	177	287
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	178	214
Consumer Loans [Member] | Other Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,396	4,886
Consumer Loans [Member] | Other Consumer [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,282	4,840
Consumer Loans [Member] | Other Consumer [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	54	31
Consumer Loans [Member] | Other Consumer [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	60	15
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		6 Months Ended
	Jun. 30, 2016USD ($)Loan	Jun. 30, 2015USD ($)Loan	Jun. 30, 2016USD ($)Loan	Jun. 30, 2015USD ($)Loan	Dec. 31, 2015USD ($)
Recorded Investment, Past Due [Line Items]
Total Past Due	$ 9,175,000		$ 9,175,000		$ 8,872,000
Current	441,649,000		441,649,000		421,714,000
Total Loans Receivable	450,824,000	$ 403,477,000	450,824,000	$ 403,477,000	430,586,000
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	5,149,000		5,149,000		5,318,000
Ninety days past due and still accruing interest	$ 0		$ 0		0
Number of contracts, TDRs | Loan	0	0	0	1
Number of contracts, TDR payment default | Loan			0	0
30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	$ 2,186,000		$ 2,186,000		2,380,000
60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,840,000		1,840,000		1,174,000
90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	5,149,000		5,149,000		5,318,000
1-4 Family First Lien Residential Mortgage [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	188,455,000	$ 175,978,000	188,455,000	$ 175,978,000
Real Estate [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	132,433,000	126,349,000	132,433,000	126,349,000
Other Commercial and Industrial [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	66,632,000	42,290,000	66,632,000	42,290,000
Home Equity and Junior Liens [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	23,452,000	22,591,000	23,452,000	22,591,000
Other Consumer [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	5,396,000	$ 4,610,000	5,396,000	$ 4,610,000
Residential Mortgage Loans [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	3,829,000		3,829,000		3,638,000
Current	190,040,000		190,040,000		186,078,000
Total Loans Receivable	193,869,000		193,869,000		189,716,000
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	1,721,000		1,721,000		1,715,000
Residential Mortgage Loans [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,562,000		1,562,000		1,115,000
Residential Mortgage Loans [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	546,000		546,000		808,000
Residential Mortgage Loans [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,721,000		1,721,000		1,715,000
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	3,829,000		3,829,000		3,638,000
Current	184,626,000		184,626,000		178,154,000
Total Loans Receivable	188,455,000		188,455,000		181,792,000
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	1,721,000		1,721,000		1,715,000
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	1,562,000		1,562,000		1,115,000
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	546,000		546,000		808,000
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	1,721,000		1,721,000		1,715,000
Residential Mortgage Loans [Member] | Construction [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0		0		0
Current	5,414,000		5,414,000		7,924,000
Total Loans Receivable	5,414,000		5,414,000		7,924,000
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	4,731,000		4,731,000		4,708,000
Current	223,376,000		223,376,000		207,813,000
Total Loans Receivable	228,107,000		228,107,000		212,521,000
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	3,024,000		3,024,000		3,238,000
Commercial Loans [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	499,000		499,000		1,119,000
Commercial Loans [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,208,000		1,208,000		351,000
Commercial Loans [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	3,024,000		3,024,000		3,238,000
Commercial Loans [Member] | Real Estate [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	3,319,000		3,319,000		3,769,000
Current	129,114,000		129,114,000		125,737,000
Total Loans Receivable	132,433,000		132,433,000		129,506,000
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	2,736,000		2,736,000		2,694,000
Pre-modification recorded investment			678,000
Post-modification recorded investment			324,000
Additional specific reserve required against the loan			354,000
Commercial Loans [Member] | Real Estate [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	76,000		76,000		940,000
Commercial Loans [Member] | Real Estate [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	507,000		507,000		135,000
Commercial Loans [Member] | Real Estate [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	2,736,000		2,736,000		2,694,000
Commercial Loans [Member] | Lines of Credit [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	100,000		100,000		194,000
Current	20,677,000		20,677,000		18,841,000
Total Loans Receivable	20,777,000		20,777,000		19,035,000
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	100,000		100,000		174,000
Commercial Loans [Member] | Lines of Credit [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0		0		20,000
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	100,000		100,000		174,000
Commercial Loans [Member] | Other Commercial and Industrial [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,312,000		1,312,000		745,000
Current	65,320,000		65,320,000		54,154,000
Total Loans Receivable	66,632,000		66,632,000		54,899,000
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	188,000		188,000		370,000
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	423,000		423,000		159,000
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	701,000		701,000		216,000
Commercial Loans [Member] | Other Commercial and Industrial [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	188,000		188,000		370,000
Commercial Loans [Member] | Tax Exempt Loans [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0		0		0
Current	8,265,000		8,265,000		9,081,000
Total Loans Receivable	8,265,000		8,265,000		9,081,000
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	615,000		615,000		526,000
Current	28,233,000		28,233,000		27,823,000
Total Loans Receivable	28,848,000		28,848,000		28,349,000
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	404,000		404,000		365,000
Consumer Loans [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	125,000		125,000		146,000
Consumer Loans [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	86,000		86,000		15,000
Consumer Loans [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	404,000		404,000		365,000
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	546,000		546,000		492,000
Current	22,906,000		22,906,000		22,971,000
Total Loans Receivable	23,452,000		23,452,000		23,463,000
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	395,000		395,000		360,000
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	118,000		118,000		132,000
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	33,000		33,000		0
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	395,000		395,000		360,000
Consumer Loans [Member] | Other Consumer [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	69,000		69,000		34,000
Current	5,327,000		5,327,000		4,852,000
Total Loans Receivable	5,396,000		5,396,000		4,886,000
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	9,000		9,000		5,000
Consumer Loans [Member] | Other Consumer [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	7,000		7,000		14,000
Consumer Loans [Member] | Other Consumer [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	53,000		53,000		15,000
Consumer Loans [Member] | Other Consumer [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	$ 9,000		$ 9,000		$ 5,000

Loans - Impaired Loans (Details

Loans - Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015	Dec. 31, 2015
Total [Abstract]
Recorded Investment	$ 6,106		$ 6,106		$ 6,535
Unpaid Principal Balance	6,440		6,440		6,840
Related Allowance	994		994		960
Average recorded investment [Abstract]
Total	6,339	$ 7,215	6,404	$ 7,277
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Total	46	59	89	94
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member]
With no related allowance recorded [Abstract]
Recorded Investment	469		469		473
Unpaid Principal Balance	469		469		473
Related Allowance	0		0		0
With an allowance recorded [Abstract]
Recorded Investment	131		131		0
Unpaid Principal Balance	144		144		0
Related Allowance	39		39		0
Total [Abstract]
Recorded Investment	600		600		473
Unpaid Principal Balance	613		613		473
Related Allowance	39		39		0
Average recorded investment [Abstract]
Total	602	633	559	801
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Total	5	5	12	9
Commercial Loans [Member] | Commercial Real Estate [Member]
With no related allowance recorded [Abstract]
Recorded Investment	2,332		2,332		2,580
Unpaid Principal Balance	2,513		2,513		2,709
Related Allowance	0		0		0
With an allowance recorded [Abstract]
Recorded Investment	1,912		1,912		1,850
Unpaid Principal Balance	2,035		2,035		1,963
Related Allowance	792		792		760
Total [Abstract]
Recorded Investment	4,244		4,244		4,430
Unpaid Principal Balance	4,548		4,548		4,672
Related Allowance	792		792		760
Average recorded investment [Abstract]
Total	4,298	4,875	4,342	4,920
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Total	27	34	52	50
Commercial Loans [Member] | Commercial Lines of Credit [Member]
With no related allowance recorded [Abstract]
Recorded Investment	410		410		574
Unpaid Principal Balance	410		410		597
Related Allowance	0		0		0
With an allowance recorded [Abstract]
Recorded Investment	5		5		5
Unpaid Principal Balance	5		5		5
Related Allowance	5		5		5
Total [Abstract]
Recorded Investment	415		415		579
Unpaid Principal Balance	415		415		602
Related Allowance	5		5		5
Average recorded investment [Abstract]
Total	501	543	526	455
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Total	0	7	0	7
Commercial Loans [Member] | Other Commercial and Industrial [Member]
With no related allowance recorded [Abstract]
Recorded Investment	377		377		536
Unpaid Principal Balance	377		377		569
Related Allowance	0		0		0
With an allowance recorded [Abstract]
Recorded Investment	183		183		224
Unpaid Principal Balance	198		198		230
Related Allowance	152		152		193
Total [Abstract]
Recorded Investment	560		560		760
Unpaid Principal Balance	575		575		799
Related Allowance	152		152		193
Average recorded investment [Abstract]
Total	647	861	685	775
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Total	12	13	21	18
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
With no related allowance recorded [Abstract]
Recorded Investment	278		278		187
Unpaid Principal Balance	278		278		187
Related Allowance	0		0		0
With an allowance recorded [Abstract]
Recorded Investment	7		7		101
Unpaid Principal Balance	8		8		101
Related Allowance	6		6		2
Total [Abstract]
Recorded Investment	285		285		288
Unpaid Principal Balance	286		286		288
Related Allowance	6		6		2
Average recorded investment [Abstract]
Total	288	295	288	317
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Total	2	0	4	10
Consumer Loans [Member] | Other Consumer [Member]
With no related allowance recorded [Abstract]
Recorded Investment	2		2		5
Unpaid Principal Balance	3		3		6
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	2		2		5
Unpaid Principal Balance	3		3		6
Related Allowance	0		0		$ 0
Average recorded investment [Abstract]
Total	3	8	4	9
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		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015	Dec. 31, 2015
Allowance for loan losses [Roll Forward]
Beginning Balance	$ 5,851	$ 5,462	$ 5,706	$ 5,349
Charge-offs	(91)	(39)	(181)	(344)
Recoveries	20	76	45	111
Provisions	150	401	360	784
Ending Balance	5,930	5,900	5,930	5,900
Ending balance: related to loans individually evaluated for impairment	994	1,439	994	1,439
Ending balance: related to loans collectively evaluated for impairment	4,936	4,461	4,936	4,461
Loans receivable, ending balance	450,824	403,477	450,824	403,477	$ 430,586
Ending balance: individually evaluated for impairment	6,106	7,162	6,106	7,162
Ending balance: collectively evaluated for impairment	444,718	396,315	444,718	396,315
1-4 Family First Lien Residential Mortgage [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	642	498	581	509
Charge-offs	(30)	(27)	(30)	(165)
Recoveries	1	38	1	38
Provisions	14	35	75	162
Ending Balance	627	544	627	544
Ending balance: related to loans individually evaluated for impairment	39	0	39	0
Ending balance: related to loans collectively evaluated for impairment	588	544	588	544
Loans receivable, ending balance	188,455	175,978	188,455	175,978
Ending balance: individually evaluated for impairment	600	479	600	479
Ending balance: collectively evaluated for impairment	187,855	175,499	187,855	175,499
Residential Construction Mortgage [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	0	0		0
Charge-offs	0	0		0
Recoveries	0	0		0
Provisions	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	5,414	3,934	5,414	3,934
Ending balance: individually evaluated for impairment	0	0	0	0
Ending balance: collectively evaluated for impairment	5,414	3,934	5,414	3,934
Commercial Real Estate [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	2,884	3,165	2,983	2,801
Charge-offs	0	0	0	(29)
Recoveries	0	0	0	0
Provisions	187	123	88	516
Ending Balance	3,071	3,288	3,071	3,288
Ending balance: related to loans individually evaluated for impairment	792	1,064	792	1,064
Ending balance: related to loans collectively evaluated for impairment	2,279	2,224	2,279	2,224
Loans receivable, ending balance	132,433	126,349	132,433	126,349
Ending balance: individually evaluated for impairment	4,244	4,818	4,244	4,818
Ending balance: collectively evaluated for impairment	128,189	121,531	128,189	121,531
Commercial Lines of Credit [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	395	441	401	460
Charge-offs	(22)	0	(43)	(10)
Recoveries	1	25	9	36
Provisions	31	51	38	31
Ending Balance	405	517	405	517
Ending balance: related to loans individually evaluated for impairment	5	150	5	150
Ending balance: related to loans collectively evaluated for impairment	400	367	400	367
Loans receivable, ending balance	20,777	18,119	20,777	18,119
Ending balance: individually evaluated for impairment	415	612	415	612
Ending balance: collectively evaluated for impairment	20,362	17,507	20,362	17,507
Other Commercial and Industrial Loans [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	1,213	938	1,270	1,034
Charge-offs	0	0	0	(108)
Recoveries	3	3	7	5
Provisions	25	169	(36)	179
Ending Balance	1,241	1,110	1,241	1,110
Ending balance: related to loans individually evaluated for impairment	152	220	152	220
Ending balance: related to loans collectively evaluated for impairment	1,089	890	1,089	890
Loans receivable, ending balance	66,632	42,290	66,632	42,290
Ending balance: individually evaluated for impairment	560	952	560	952
Ending balance: collectively evaluated for impairment	66,072	41,338	66,072	41,338
Municipal [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	2	4
Charge-offs	0	0
Recoveries	0	0
Provisions	(1)	1
Ending Balance	1	5	1	5
Ending balance: related to loans individually evaluated for impairment	0	0	0	0
Ending balance: related to loans collectively evaluated for impairment	1	5	1	5
Loans receivable, ending balance	8,265	9,606	8,265	9,606
Ending balance: individually evaluated for impairment	0	0	0	0
Ending balance: collectively evaluated for impairment	8,265	9,606	8,265	9,606
Tax Exempt [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance			3	3
Charge-offs			0	0
Recoveries			0	0
Provisions			(2)	2
Ending Balance	1	5	1	5
Constructions [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance			0
Charge-offs			0
Recoveries			0
Provisions			0
Ending Balance	0		0
Home Equity and Junior Liens [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	355	329	350	388
Charge-offs	(29)	0	(89)	0
Recoveries	1	0	3	7
Provisions	23	2	86	(64)
Ending Balance	350	331	350	331
Ending balance: related to loans individually evaluated for impairment	6	5	6	5
Ending balance: related to loans collectively evaluated for impairment	344	326	344	326
Loans receivable, ending balance	23,452	22,591	23,452	22,591
Ending balance: individually evaluated for impairment	285	294	285	294
Ending balance: collectively evaluated for impairment	23,167	22,297	23,167	22,297
Other Consumer [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	145	87	118	98
Charge-offs	(10)	(12)	(19)	(32)
Recoveries	14	10	25	25
Provisions	(2)	20	23	14
Ending Balance	147	105	147	105
Ending balance: related to loans individually evaluated for impairment	0	0	0	0
Ending balance: related to loans collectively evaluated for impairment	147	105	147	105
Loans receivable, ending balance	5,396	4,610	5,396	4,610
Ending balance: individually evaluated for impairment	2	7	2	7
Ending balance: collectively evaluated for impairment	5,394	4,603	5,394	4,603
Unallocated [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	215	0	0	56
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provisions	(127)	0	88	(56)
Ending Balance	88	0	88	0
Ending balance: related to loans individually evaluated for impairment	0	0	0	0
Ending balance: related to loans collectively evaluated for impairment	$ 88	$ 0	$ 88	$ 0

Foreclosed Real Estate (Details

Foreclosed Real Estate (Details) $ in Thousands	Jun. 30, 2016USD ($)Property	Dec. 31, 2015USD ($)Property
Real Estate Properties [Line Items]
Foreclosed real estate	$ 506	$ 517
Residential real estate loans in the process of foreclosure	$ 1,100
Foreclosed Residential Real Estate [Member]
Real Estate Properties [Line Items]
Number of properties | Property	4	2
Foreclosed real estate	$ 170	$ 182

Guarantees (Details)

Guarantees (Details) $ in Millions	Jun. 30, 2016USD ($)
Loss Contingencies [Line Items]
Standby letters of credit	$ 1.9

Fair Value Measurements (Detail

Fair Value Measurements (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Dec. 31, 2015
Common Stock - Financial Services Industry [Member]
Fair Value, Assets and Liabilities Measured on Recurring Basis [Roll Forward]
Balance-Beginning	$ 313,000		$ 313,000
Total gains realized/unrealized included in earnings	0		0
Total gains realized/unrealized included in other comprehensive income	0		0
Settlements	130,000		130,000
Sales	0		0
Balance-Ending	443,000		443,000
Changes in unrealized gains included in earnings related to assets still held	0		0
Level 3 [Member]
Assets, Fair Value Disclosure [Abstract]
Purchase of common stock	130,000	$ 330,000
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
Asset backed securities	0		0
Residential mortgage-backed - US agency	0		0	0
Collateralized mortgage obligations - US agency	0		0	0
Collateralized mortgage obligations - Private label	0		0	0
Mutual funds [Abstract]
Ultra short mortgage fund	635,000		635,000	638,000
Large cap equity fund	611,000		611,000	583,000
Purchase of common	0		0	46,000
Investments [Abstract]
Total available-for-sale securities	1,246,000		1,246,000	1,267,000
Interest rate swap derivative	0		0	0
Recurring Basis [Member] | Level 2 [Member]
Debt investment securities [Abstract]
US Treasury, agencies and GSEs	28,034,000		28,034,000	21,308,000
State and political subdivisions	11,942,000		11,942,000	8,300,000
Corporate	12,588,000		12,588,000	18,128,000
Asset backed securities	2,564,000		2,564,000
Residential mortgage-backed - US agency	23,739,000		23,739,000	32,573,000
Collateralized mortgage obligations - US agency	29,843,000		29,843,000	16,833,000
Collateralized mortgage obligations - Private label	5,776,000		5,776,000	0
Mutual funds [Abstract]
Ultra short mortgage fund	0		0	0
Large cap equity fund	0		0	0
Purchase of common	220,000		220,000	220,000
Investments [Abstract]
Total available-for-sale securities	114,706,000		114,706,000	97,362,000
Interest rate swap derivative	0		0	(27,000)
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
Asset backed securities	0		0
Residential mortgage-backed - US agency	0		0	0
Collateralized mortgage obligations - US agency	0		0	0
Collateralized mortgage obligations - Private label	0		0	0
Mutual funds [Abstract]
Ultra short mortgage fund	0		0	0
Large cap equity fund	0		0	0
Purchase of common	443,000		443,000	313,000
Investments [Abstract]
Total available-for-sale securities	443,000		443,000	313,000
Interest rate swap derivative	0		0	0
Recurring Basis [Member] | Total Fair Value [Member]
Debt investment securities [Abstract]
US Treasury, agencies and GSEs	28,034,000		28,034,000	21,308,000
State and political subdivisions	11,942,000		11,942,000	8,300,000
Corporate	12,588,000		12,588,000	18,128,000
Asset backed securities	2,564,000		2,564,000
Residential mortgage-backed - US agency	23,739,000		23,739,000	32,573,000
Collateralized mortgage obligations - US agency	29,843,000		29,843,000	16,833,000
Collateralized mortgage obligations - Private label	5,776,000		5,776,000	0
Mutual funds [Abstract]
Ultra short mortgage fund	635,000		635,000	638,000
Large cap equity fund	611,000		611,000	583,000
Purchase of common	663,000		663,000	579,000
Investments [Abstract]
Total available-for-sale securities	116,395,000		116,395,000	98,942,000
Interest rate swap derivative	0		0	(27,000)
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	518,000		518,000	1,070,000
Foreclosed real estate	170,000		170,000	360,000
Nonrecurring Basis [Member] | Total Fair Value [Member]
Nonrecurring basis [Abstract]
Impaired loans	518,000		518,000	1,070,000
Foreclosed real estate	$ 170,000		$ 170,000	$ 360,000

Fair Value Measurements, Fair V

Fair Value Measurements, Fair Value Inputs, Quantitative Information (Details) - Level 3 [Member] - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2016	Dec. 31, 2015
Comparable Companies [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Common stock - financial services	$ 443	$ 313
Fair value inputs, comparability weight	100.00%	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%	10.00%
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%	8.00%
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%	8.00%
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%	15.00%
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%	14.00%
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, Fair43

Fair Value Measurements, Fair Value Measurement By Balance Sheet Groupings (Details) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Financial assets [Abstract]
Investment securities - available-for-sale	$ 116,395	$ 98,942
Investment securities - held-to-maturity	43,887	45,515
Carrying Amounts [Member] | Level 1 [Member]
Financial assets [Abstract]
Cash and cash equivalents	25,096	15,245
Investment securities - available-for-sale	1,246	1,267
Accrued interest receivable	2,069	2,053
Financial liabilities [Abstract]
Demand Deposits, Savings, NOW and MMDA	382,677	343,853
Accrued interest payable	39	199
Carrying Amounts [Member] | Level 2 [Member]
Financial assets [Abstract]
Investment securities - available-for-sale	114,706	97,362
Investment securities - held-to-maturity	42,126	44,297
Federal Home Loan Bank stock	4,036	2,424
Financial liabilities [Abstract]
Time Deposits	143,391	146,462
Borrowings	63,450	41,300
Subordinated loans	15,008	14,991
Interest rate swap derivative	0	27
Carrying Amounts [Member] | Level 3 [Member]
Financial assets [Abstract]
Investment securities - available-for-sale	443	313
Net loans	444,651	424,732
Estimated Fair Values [Member] | Level 1 [Member]
Financial assets [Abstract]
Cash and cash equivalents	25,096	15,245
Investment securities - available-for-sale	1,246	1,267
Accrued interest receivable	2,069	2,053
Financial liabilities [Abstract]
Demand Deposits, Savings, NOW and MMDA	382,677	343,852
Accrued interest payable	39	199
Estimated Fair Values [Member] | Level 2 [Member]
Financial assets [Abstract]
Investment securities - available-for-sale	114,706	97,362
Investment securities - held-to-maturity	43,887	45,515
Federal Home Loan Bank stock	4,036	2,424
Financial liabilities [Abstract]
Time Deposits	144,295	146,158
Borrowings	63,643	41,282
Subordinated loans	13,905	14,027
Interest rate swap derivative	0	27
Estimated Fair Values [Member] | Level 3 [Member]
Financial assets [Abstract]
Investment securities - available-for-sale	443	313
Net loans	$ 452,752	$ 428,410

Interest Rate Derivatives (Deta

Interest Rate Derivatives (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015	Dec. 31, 2015
Interest Rate Derivatives [Abstract]
Floating rate trust preferred debenture face amount	$ 5,000		$ 5,000
Interest Rate Swap [Member]
Derivative [Line Items]
Notional amount	$ 2,000		$ 2,000
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	$ (14)	$ (67)	$ (27)	$ (82)
Amount of losses (gains) recognized in other comprehensive income	3	(5)	2	(6)
Amount of loss reclassified from other comprehensive income and recognized as interest expense	11	15	25	31
Balance as of end of period	0	$ (57)	0	$ (57)
Interest Rate Swap [Member] | Designated as Hedging Instrument [Member] | Other Liabilities [Member]
Cash Flow Hedge [Abstract]
Fair value of derivative liability	$ 0		$ 0		$ 27

Accumulated Other Comprehensi45

Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Balance				$ 71,229	$ 69,204
Other comprehensive (loss) income before reclassifications		$ 26	$ (511)	372	(213)
Amounts reclassified from AOCI		120	7	208	13
Balance		60,123	70,074	60,123	70,074
Interest on long term borrowings		(71)	(65)	(143)	(126)
Salaries and employee benefits		(2,653)	(2,356)	(5,338)	(4,738)
Net gains on sales and redemptions of investment securities		132	49	212	101
Provision for income taxes		(225)	(290)	(498)	(514)
Net income attributable to Pathfinder Bancorp, Inc.		832	694	1,493	1,223
AOCI Attributable to Parent [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Balance		(2,131)	(1,815)	(2,565)	(2,119)
Balance		(1,985)	(2,319)	(1,985)	(2,319)
Retirement Plans [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Balance		(1,812)	(1,767)	(1,844)	(1,794)
Other comprehensive (loss) income before reclassifications		0	0	0	0
Amounts reclassified from AOCI		33	27	65	54
Balance		(1,779)	(1,740)	(1,779)	(1,740)
Unrealized Gains and Losses on Financial Derivative [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Balance		(8)	(40)	(16)	(49)
Other comprehensive (loss) income before reclassifications		1	(3)	1	(4)
Amounts reclassified from AOCI		7	9	15	19
Balance		0	(34)	0	(34)
Unrealized Gains and Losses on Available-for-Sale Securities [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Balance		322	705	(51)	457
Other comprehensive (loss) income before reclassifications		4	(527)	329	(248)
Amounts reclassified from AOCI		80	(29)	128	(60)
Balance		406	149	406	149
Securities Reclassified from AFS to HTM [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Balance		(633)	(713)	(654)	(733)
Other comprehensive (loss) income before reclassifications		21	19	42	39
Amounts reclassified from AOCI		0	0	0	0
Balance		(612)	(694)	(612)	(694)
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]	(54)	(45)	(109)	(90)
Provision for income taxes	[1],[2]	21	18	44	36
Net income attributable to Pathfinder Bancorp, Inc.	[1],[2]	(33)	(27)	(65)	(54)
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]	(11)	(15)	(25)	(31)
Provision for income taxes	[1]	4	6	10	12
Net income attributable to Pathfinder Bancorp, Inc.	[1]	(7)	(9)	(15)	(19)
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]	(132)	49	(212)	101
Provision for income taxes	[1]	52	(20)	84	(41)
Net income attributable to Pathfinder Bancorp, Inc.	[1]	$ (80)	$ 29	$ (128)	$ 60
[1]	Amounts in parentheses indicates debits in net income.
[2]	These items are included in net periodic pension cost.