Pathfinder Bancorp (PBHC) 10-Q 14 Nov 16 2016 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2016	Nov. 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		4,229,744
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	Q3
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2016

Consolidated Statements of Cond

Consolidated Statements of Condition (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
ASSETS:
Cash and due from banks	$ 9,630	$ 9,624
Interest earning deposits	14,033	5,621
Total cash and cash equivalents	23,663	15,245
Available-for-sale securities, at fair value	137,717	98,942
Held-to-maturity securities, at amortized cost (fair value of $46,505 and $45,515, respectively)	44,757	44,297
Federal Home Loan Bank stock, at cost	4,290	2,424
Loans	473,423	430,438
Less: Allowance for loan losses	6,126	5,706
Loans receivable, net	467,297	424,732
Premises and equipment, net	15,020	14,834
Accrued interest receivable	2,316	2,053
Foreclosed real estate	655	517
Intangible assets, net	202	214
Goodwill	4,536	4,536
Bank owned life insurance	11,391	10,615
Other assets	5,286	4,845
Total assets	717,130	623,254
Deposits:
Interest-bearing	480,969	428,636
Noninterest-bearing	74,156	61,679
Total deposits	555,125	490,315
Short-term borrowings	65,100	24,800
Long-term borrowings	17,000	16,500
Subordinated loans	15,016	14,991
Accrued interest payable	76	199
Other liabilities	5,539	5,220
Total liabilities	657,856	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; 4,373,144 and 4,353,850 shares issued and 4,229,744 and 4,353,850 shares outstanding, respectively	43	44
Additional paid in capital	27,320	28,717
Retained earnings	34,862	33,183
Accumulated other comprehensive loss	(1,942)	(2,565)
Unearned ESOP	(1,439)	(1,574)
Total Pathfinder Bancorp, Inc. shareholders' equity	58,844	70,805
Noncontrolling interest	430	424
Total equity	59,274	71,229
Total liabilities and shareholders' equity	$ 717,130	$ 623,254

Consolidated Statements of Con3

Consolidated Statements of Condition (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
ASSETS:
Held-to-maturity securities at fair value	$ 46,505	$ 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)	4,373,144	4,353,850
Common stock, shares outstanding (in shares)	4,229,744	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		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Interest and dividend income:
Loans, including fees	$ 5,396	$ 4,699	$ 15,367	$ 13,649
Debt securities:
Taxable	590	519	1,727	1,494
Tax-exempt	211	186	602	573
Dividends	33	40	86	109
Federal funds sold and interest earning deposits	21	5	47	12
Total interest and dividend income	6,251	5,449	17,829	15,837
Interest expense:
Interest on deposits	612	508	1,759	1,435
Interest on short-term borrowings	86	41	137	113
Interest on long-term borrowings	61	62	204	189
Interest on subordinated loans	193	41	597	121
Total interest expense	952	652	2,697	1,858
Net interest income	5,299	4,797	15,132	13,979
Provision for loan losses	322	220	682	1,004
Net interest income after provision for loan losses	4,977	4,577	14,450	12,975
Noninterest income:
Service charges on deposit accounts	289	299	861	853
Earnings and gain on bank owned life insurance	94	250	240	400
Loan servicing fees	49	55	114	148
Net gains on sales and redemptions of investment securities	4	88	216	188
Net gains (losses) on sales of loans and foreclosed real estate	6	17	(4)	13
Debit card interchange fees	138	131	414	390
Other charges, commissions & fees	383	352	1,149	1,017
Total noninterest income	963	1,192	2,990	3,009
Noninterest expense:
Salaries and employee benefits	2,688	2,478	8,026	7,216
Building occupancy	544	535	1,432	1,479
Data processing	474	462	1,315	1,204
Professional and other services	195	206	613	654
Advertising	150	116	479	352
FDIC assessments	108	105	324	302
Audits and exams	81	58	239	179
Other expenses	562	598	1,855	1,628
Total noninterest expenses	4,802	4,558	14,283	13,014
Income before income taxes	1,138	1,211	3,157	2,970
Provision for income taxes	322	316	820	829
Net income attributable to noncontrolling interest and Pathfinder Bancorp, Inc.	816	895	2,337	2,141
Net (loss) income attributable to noncontrolling interest	(4)	10	24	33
Net income attributable to Pathfinder Bancorp Inc.	820	885	2,313	2,108
Preferred stock dividends	0	33	16	97
Net income available to common shareholders	$ 820	$ 852	$ 2,297	$ 2,011
Earnings per common share - basic (in dollars per share)	$ 0.20	$ 0.21	$ 0.56	$ 0.49
Earnings per common share - diluted (in dollars per share)	0.20	0.20	0.55	0.48
Dividends per common share (in dollars per share)	$ 0.05	$ 0.05	$ 0.15	$ 0.11

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Consolidated Statements of Comprehensive Income (Unaudited) [Abstract]
Net Income		$ 816	$ 895	$ 2,337	$ 2,141
Retirement Plans:
Retirement plan net losses recognized in plan expenses		54	45	163	135
Unrealized holding gains on financial derivative:
Change in unrealized holding (losses) gains on financial derivative		0	(2)	2	(8)
Reclassification adjustment for interest expense included in net income		0	15	25	46
Net unrealized gain on financial derivative		0	13	27	38
Unrealized holding (losses) gains on available for sale securities
Unrealized holding (losses) gains arising during the period		(62)	594	486	181
Reclassification adjustment for net gains (losses) included in net income		4	(88)	216	(188)
Net unrealized (losses) gain on available for sale securities		(58)	506	702	(7)
Accretion of net unrealized loss on securities transferred to held-to-maturity	[1]	79	34	149	99
Other comprehensive income, before tax		75	598	1,041	265
Tax effect		(32)	(239)	(418)	(106)
Other comprehensive income, net of tax		43	359	623	159
Comprehensive income		859	1,254	2,960	2,300
Comprehensive (loss) income, attributable to noncontrolling interest		(4)	10	24	33
Comprehensive income attributable to Pathfinder Bancorp, Inc.		863	1,244	2,936	2,267
Tax Effect Allocated to Each Component of Other Comprehensive Income
Retirement plan net losses recognized in plan expenses		(22)	(18)	(65)	(54)
Change in unrealized holding gains (losses) on financial derivative		0	1	(1)	3
Reclassification adjustment for interest expense included in net income		0	(6)	(10)	(18)
Unrealized holding gains (losses) arising during the period		23	(238)	(196)	(72)
Reclassification adjustment for net (losses) gains included in net income		(1)	36	(86)	75
Accretion of net unrealized loss on securities transferred to held-to-maturity	[1]	(32)	(14)	(60)	(40)
Income tax effect related to other comprehensive income		$ (32)	$ (239)	$ (418)	$ (106)
[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]	Non-controlling 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	2,108	0	0	33	2,141
Other comprehensive income, net of tax	0	0	0	0	159	0	0	159
Preferred stock dividends - SBLF	0	0	0	(97)	0	0	0	(97)
ESOP shares earned	0	0	62	0	0	135	0	197
Stock based compensation	0	0	63	0	0	0	0	63
Common stock dividends declared	0	0	0	(454)	0	0	0	(454)
Distributions from affiliates	0	0	0	0	0	0	(33)	(33)
Balance at Sep. 30, 2015	13,000	44	28,659	32,642	(1,960)	(1,619)	414	71,180
Net income								895
Other comprehensive income, net of tax								359
Balance at Sep. 30, 2015	13,000	44	28,659	32,642	(1,960)	(1,619)	414	71,180
Balance at Dec. 31, 2015	13,000	44	28,717	33,183	(2,565)	(1,574)	424	71,229
Net income	0	0	0	2,313	0	0	24	2,337
Other comprehensive income, net of tax	0	0	0	0	623	0	0	623
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	82	0	0	135	0	217
Stock based compensation	0	0	170	0	0	0	0	170
Stock options exercised	0	0	105	0	0	0	0	105
Purchase of common stock shares	0	(1)	(1,754)	0	0	0	0	(1,755)
Common stock dividends declared	0	0	0	(618)	0	0	0	(618)
Distributions from affiliates	0	0	0	0	0	0	(18)	(18)
Balance at Sep. 30, 2016	0	43	27,320	34,862	(1,942)	(1,439)	430	59,274
Net income								816
Other comprehensive income, net of tax								43
Balance at Sep. 30, 2016	$ 0	$ 43	$ 27,320	$ 34,862	$ (1,942)	$ (1,439)	$ 430	$ 59,274

Consolidated Statements of Cha7

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parenthetical) - $ / shares	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015
ESOP shares earned (in shares)	18,332	18,332
Purchase of common stock shares (in shares)	143,400
Common stock dividends declared (in dollars per share)	$ 0.15	$ 0.11
Preferred Stock [Member]
Preferred stock redemption (in shares)	(13,000)

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015
OPERATING ACTIVITIES
Net income attributable to Pathfinder Bancorp, Inc.	$ 2,313	$ 2,108
Adjustments to reconcile net income to net cash flows from operating activities:
Provision for loan losses	682	1,004
Proceeds from sales of loans	0	69
Originations of loans held-for-sale	0	(68)
Realized losses (gains) on sales, redemptions and calls of:
Real estate acquired through foreclosure	9	(11)
Loans	(5)	(2)
Available-for-sale investment securities	(216)	(188)
Depreciation	763	760
Amortization of mortgage servicing rights	9	10
Amortization of deferred loan costs	161	125
Amortization of deferred financing from subordinated debt	25	0
Earnings and gain on bank owned life insurance	(240)	(265)
Net amortization of premiums and discounts on investment securities	866	673
Amortization of intangible assets	12	13
Stock based compensation and ESOP expense	387	260
Net change in accrued interest receivable	(263)	(233)
Net change in other assets and liabilities	(441)	15
Net cash flows from operating activities	4,062	4,270
INVESTING ACTIVITIES
Purchase of investment securities available-for-sale	(124,566)	(49,220)
Purchase of investment securities held-to-maturity	(4,460)	(5,034)
Net (purchases of) proceeds from Federal Home Loan Bank stock	(1,866)	1,573
Proceeds from maturities and principal reductions of investment securities available-for-sale	57,995	20,088
Proceeds from maturities and principal reductions of investment securities held-to-maturity	1,024	2,378
Proceeds from sales, redemptions and calls of:
Available-for-sale investment securities	27,973	18,802
Held-to-maturity investment securities	3,000	0
Real estate acquired through foreclosure	185	284
Acquisition of insurance agency	0	(225)
Proceeds from bank owned life insurance	0	(135)
Net change in loans	(43,706)	(28,522)
Purchase of premises and equipment	(949)	(1,651)
Net cash flows from investing activities	(85,370)	(41,662)
FINANCING ACTIVITIES
Net change in demand deposits, NOW accounts, savings accounts, money management deposit accounts, MMDA accounts and escrow deposits	60,889	61,382
Net change in time deposits and brokered deposits	3,921	19,392
Net change in short-term borrowings	40,300	(39,875)
Payments on long-term borrowings	(3,000)	(2,000)
Proceeds from long-term borrowings	3,500	5,000
Repayment of loan on cash surrender value of bank owned life insurance	(536)	0
Redemption of preferred stock - SBLF	(13,000)	0
Purchase of common stock	(1,755)	0
Proceeds from exercise of stock options	105	0
Cash dividends paid to preferred shareholder - SBLF	(49)	(97)
Cash dividends paid to common shareholders	(655)	(392)
Change in noncontrolling interest, net	6	0
Net cash flows from financing activities	89,726	43,410
Change in cash and cash equivalents	8,418	6,018
Cash and cash equivalents at beginning of period	15,245	11,356
Cash and cash equivalents at end of period	23,663	17,374
CASH PAID DURING THE PERIOD FOR:
Interest	2,820	1,871
Income taxes	970	842
NON-CASH INVESTING ACTIVITY
Real estate acquired in exchange for loans	$ 298	$ 519

Basis of Presentation

Basis of Presentation	9 Months Ended
	Sep. 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 nine months ended September 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	9 Months Ended
	Sep. 30, 2016
New Accounting Pronouncements [Abstract]
New Accounting Pronouncements	Note 2: New Accounting Pronouncements On August 19, 2016, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) No. 2016-15, Statement of Cash Flows (Topic 230), Classification of Certain Cash Receipts and Cash Payments. · Debt prepayment or debt extinguishment costs; · Settlement of zero-coupon debt instruments or other debt instruments with coupon interest rates that are insignificant in relation to the effective interest rate of the borrowing; · Contingent consideration payments made after a business combination; · Proceeds from the settlement of insurance claims; · Proceeds from the settlement of corporate-owned life insurance policies, including bank-owned life insurance policies; · Distributions received from equity method investees; · Beneficial interests in securitization transactions; · Separately identifiable cash flows and application of the Predominance Principle. For public business entities, such as the Company, the standard is effective for financial statements issued for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. Early adoption is permitted, provided that all of the amendments are adopted in the same period. The guidance requires application using a retrospective transition method. The Company does not expect a material impact on its consolidated financial statements of condition, results of operations, or cash flows as a result of the adoption of this Update.

Earnings per Common Share

Earnings per Common Share	9 Months Ended
	Sep. 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, if any. 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 September 30, 2016 and 192,421 for the nine months ended September 30, 2016 and were -0- for the three months ended September 30, 2015 and 5,491 for the nine months ended September 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 Nine months ended September 30, September 30, (In thousands, except per share data) 2016 2015 2016 2015 Basic Earnings Per Common Share Net income available to common shareholders $ 820 $ 852 $ 2,297 $ 2,011 Weighted average common shares outstanding 4,094 4,126 4,128 4,120 Basic earnings per common share $ 0.20 $ 0.21 $ 0.56 $ 0.49 Diluted Earnings Per Common Share Net income available to common shareholders $ 820 $ 852 $ 2,297 $ 2,011 Weighted average common shares outstanding 4,094 4,126 4,128 4,120 Effect of assumed exercise of stock options 86 71 83 65 Diluted weighted average common shares outstanding 4,180 4,197 4,211 4,185 Diluted earnings per common share $ 0.20 $ 0.20 $ 0.55 $ 0.48

Investment Securities

Investment Securities	9 Months Ended
	Sep. 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: September 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 $ 19,272 $ 4 $ (6 ) $ 19,270 State and political subdivisions 14,360 147 (33 ) 14,474 Corporate 15,647 130 (71 ) 15,706 Asset backed securities 4,318 2 - 4,320 Residential mortgage-backed - US agency 28,580 316 (16 ) 28,880 Collateralized mortgage obligations - US agency 46,185 209 (189 ) 46,205 Collateralized mortgage obligations - Private Label 6,973 - (37 ) 6,936 Total 135,335 808 (352 ) 135,791 Equity investment securities: Mutual funds: Ultra short mortgage fund 643 - (12 ) 631 Large cap equity fund 456 163 - 619 Common stock - Financial services industry 663 13 - 676 Total 1,762 176 (12 ) 1,926 Total available-for-sale $ 137,097 $ 984 $ (364 ) $ 137,717 Held-to-Maturity Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 4,924 $ 133 $ - $ 5,057 State and political subdivisions 24,784 1,015 (18 ) 25,781 Corporate 5,358 97 - 5,455 Residential mortgage-backed - US agency 6,767 293 - 7,060 Collateralized mortgage obligations - US agency 2,924 228 - 3,152 Total held-to-maturity $ 44,757 $ 1,766 $ (18 ) $ 46,505 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 September 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 $ 10,486 $ 10,506 $ 205 $ 205 Due after one year through five years 26,362 26,492 10,071 10,374 Due after five years through ten years 8,716 8,798 17,428 18,102 Due after ten years 8,033 7,974 7,362 7,612 Sub-total 53,597 53,770 35,066 36,293 Residential mortgage-backed - US agency 28,580 28,880 6,767 7,060 Collateralized mortgage obligations - US agency 46,185 46,205 2,924 3,152 Collateralized mortgage obligations - Private label 6,973 6,936 - - Totals $ 135,335 $ 135,791 $ 44,757 $ 46,505 The Company's investment securities' gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, are as follows: September 30, 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 3 $ (6 ) $ 11,242 - $ - $ - 3 $ (6 ) $ 11,242 State and political subdivisions 17 (33 ) 4,820 - - - 17 (33 ) 4,820 Corporate 3 (71 ) 4,823 - - - 3 (71 ) 4,823 Equity and other investments 1 (12 ) 631 - - - 1 (12 ) 631 Residential mortgage-backed - US agency 2 (16 ) 3,115 - - - 2 (16 ) 3,115 Collateralized mortgage obligations - US agency 14 (164 ) 22,723 4 (25 ) 2,740 18 (189 ) 25,463 Collateralized mortgage obligations - Private label 3 (37 ) 3,505 - - - 3 (37 ) 3,505 Totals 43 $ (339 ) $ 50,859 4 $ (25 ) $ 2,740 47 $ (364 ) $ 53,599 Held-to-Maturity US Treasury, agencies and GSE's - $ - $ - - $ - $ - - $ - $ - State and political subdivisions 2 (18 ) 2,037 2 (18 ) 2,037 Corporate - - - - - - - - - Residential mortgage-backed - US agency - - - - - - - - - Totals 2 $ (18 ) $ 2,037 - $ - $ - 2 $ (18 ) $ 2,037 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 September 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. Seventeen municipal securities, categorized as available-for-sale, have been in a loss position for seven months or less at September 30, 2016. Each of these has a relatively insignificant unrealized loss position. For the group, losses range from 0.01% to 1.79% of their current book values. None of these municipal securities are deemed to have any credit impairment at the reporting date. Two municipal securities, categorized as held-to-maturity, have been in a loss position for two months or less at September 30, 2016. The securities are rated AA and AA+, respectively by Standard & Poors. Each of these two securities has a relatively insignificant unrealized loss position with losses of 0.80% and 1.03%, respectively. Neither of these municipal securities are deemed to have any credit impairment at the reporting date. Three corporate securities, categorized as available-for-sale, have been in a loss position for two months or less, with the largest loss position being 2.18% of current book value. The three securities are rated BBB+, A, and A+ by Standard & Poors, respectively, and are not deemed to have any credit impairment at the reporting date. The unrealized losses reported pertaining to securities issued by the U.S. Government and its sponsored entities, include three agency, two residential mortgage-backed and 14 collateralized mortgage obligations issued by GNMA, FNMA, FHLMC, FHLB and FFCB. These entities are currently rated Aaa by Moody's Investor Services and AA+ by Standard and Poors. GNMA securities carry explicit guarantees by the U.S. Government as to timely repayment of principal and securities issued by the other agencies listed above 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 September 30, 2016 represents OTTI. Three private-label mortgage-backed securities, acquired in 2016, have been in a loss position for five months or less at September 30, 2016. The largest loss position among the three securities is 1.42% of current book value. One of these securities is rated Aa1 by Moody's and the other two are not an NRSRO. Management monitors their performance regularly and the securities are not deemed to have any credit-related impairment at September 30, 2016. Finally, one equity investment has a small unrealized loss of 1.92% of its book value at September 30, 2016. This investment is a mutual fund comprised primarily of short-duration adjustable-rate residential mortgage-backed securities. Management has reviewed the composition of the portfolio and determined that no credit-related impairment is present. 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 nine months ended September 30, ended September 30, (In thousands) 2016 2015 2016 2015 Realized gains $ 4 $ 88 $ 233 $ 198 Realized losses - - (17 ) (10 ) $ 4 $ 88 $ 216 $ 188 As of September 30, 2016 and December 31, 2015, securities with a fair value of $103.2 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 $15.9 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 most senior 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	9 Months Ended
	Sep. 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 September 30, For the nine months ended September 30, (In thousands) 2016 2015 2016 2015 2016 2015 2016 2015 Service cost $ - $ - $ - $ - $ - $ - $ - $ - Interest cost 116 117 2 4 348 351 6 13 Expected return on plan assets (238 ) (244 ) - - (714 ) (731 ) - - Amortization of net losses 56 45 (2 ) - 169 135 (6 ) - Net periodic benefit plan (benefit) cost $ (66 ) $ (82 ) $ - $ 4 $ (197 ) $ (245 ) $ - $ 13 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 September 30, 2016 and December 31, 2015.

Loans

Loans	9 Months Ended
	Sep. 30, 2016
Loans [Abstract]
Loans	Note 6: Loans Major classifications of loans at the indicated dates are as follows: September 30, December 31, (In thousands) 2016 2015 Residential mortgage loans: 1-4 family first-lien residential mortgages $ 193,704 $ 181,792 Construction 5,936 7,924 Total residential mortgage loans 199,640 189,716 Commercial loans: Real estate 142,914 129,506 Lines of credit 20,953 19,035 Other commercial and industrial 67,414 54,899 Tax exempt loans 12,715 9,081 Total commercial loans 243,996 212,521 Consumer loans: Home equity and junior liens 24,186 23,463 Other consumer 5,816 4,886 Total consumer loans 30,002 28,349 Total loans 473,638 430,586 Net deferred loan fees (215 ) (148 ) Less allowance for loan losses (6,126 ) (5,706 ) Loans receivable, net $ 467,297 $ 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 September 30, 2016 and December 31, 2015, residential mortgage loans with a carrying value of $136.7 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 September 30, 2016 Special (In thousands) Pass Mention Substandard Doubtful Total Residential mortgage loans: 1-4 family first-lien residential mortgages $ 190,204 $ 796 $ 1,540 $ 1,164 $ 193,704 Construction 5,936 - - - 5,936 Total residential mortgage loans 196,140 796 1,540 1,164 199,640 Commercial loans: Real estate 135,670 2,158 5,086 - 142,914 Lines of credit 19,964 574 415 - 20,953 Other commercial and industrial 66,573 516 320 5 67,414 Tax exempt loans 12,715 - - - 12,715 Total commercial loans 234,922 3,248 5,821 5 243,996 Consumer loans: Home equity and junior liens 23,725 98 210 153 24,186 Other consumer 5,703 5 64 44 5,816 Total consumer loans 29,428 103 274 197 30,002 Total loans $ 460,490 $ 4,147 $ 7,635 $ 1,366 $ 473,638 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 September 30, 2016 and December 31, 2015, are detailed in the following tables: As of September 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 $ 2,182 $ 711 $ 1,335 $ 4,228 $ 189,476 $ 193,704 Construction - - - - 5,936 5,936 Total residential mortgage loans 2,182 711 1,335 4,228 195,412 199,640 Commercial loans: Real estate 604 495 1,889 2,988 139,926 142,914 Lines of credit - - - - 20,953 20,953 Other commercial and industrial 445 - 264 709 66,705 67,414 Tax exempt loans - - - - 12,715 12,715 Total commercial loans 1,049 495 2,153 3,697 240,299 243,996 Consumer loans: Home equity and junior liens 76 - 345 421 23,765 24,186 Other consumer 25 11 56 92 5,724 5,816 Total consumer loans 101 11 401 513 29,489 30,002 Total loans $ 3,332 $ 1,217 $ 3,889 $ 8,438 $ 465,200 $ 473,638 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: September 30, December 31, (In thousands) 2016 2015 Residential mortgage loans: 1-4 family first-lien residential mortgages $ 1,335 $ 1,715 1,335 1,715 Commercial loans: Real estate 1,889 2,694 Lines of credit - 174 Other commercial and industrial 264 370 2,153 3,238 Consumer loans: Home equity and junior liens 345 360 Other consumer 56 5 401 365 Total nonaccrual loans $ 3,889 $ 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. Pre-modification outstanding recorded investment is the principal loan balance less the provision for loan losses before the loan was modified as a TDR. Post-modification outstanding recorded investment is the principal balance less the provision for loan losses after the loan was modified as a TDR. Additional provision for loan losses is the change in the allowance for loan losses between the pre-modification outstanding recorded investment and post-modification outstanding recorded investment. The Company has determined that there were no new TDRs for the three months ended September 30, 2016 and 2015. The tables below detail loans that have been modified as TDRs for the nine months ended September 30, 2016 and 2015. For the nine months ended September 30, 2016 (In thousands) Number of loans Pre-modification outstanding recorded investment Post-modification outstanding recorded investment Additional provision for loan losses Collectively evaluated for impairment: Residential mortgage loans 2 $ 97 $ 100 $ - The TDRs collectively evaluated for impairment were included in the general loan loss allocation and qualitative review and the impact on the allowance for loan losses was immaterial. For the nine months ended September 30, 2015 (In thousands) Number of loans Pre-modification outstanding recorded investment Post-modification outstanding recorded investment Additional provision for loan losses Individually evaluated for impairment: Commercial real estate loans 1 $ 678 $ 324 $ 354 Collectively evaluated for impairment: Residential mortgage loans 2 $ 69 $ 79 $ - The TDR individually evaluated for impairment has been classified as a TDR due to the economic concessions granted, which 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 for loan losses in the second quarter of 2015. The TDRs collectively evaluated for impairment were included in the general loan loss allocation and qualitative review and the impact on the allowance for loan losses was immaterial. The Company is required to disclose loans that have been modified as TDRs within the previous 12 months in which there was payment default after the restructuring. The Company defines payment default as any loans 90 days past due on contractual payments. The Company had no loans that had been modified as TDRs during the twelve months prior to September 30, 2016, which had subsequently defaulted during the nine months ended September 30, 2016. The Company had no loans that had been modified as TDRs during the twelve months prior to September 30, 2015, which had subsequently defaulted during the nine months ended September 30, 2015. When the Company modifies a loan within a portfolio segment that is individually evaluated for impairment, a potential impairment is analyzed either based on the present value of the expected future cash flows discounted at the interest rate of the original loan terms or the fair value of the collateral less costs to sell. If it is determined that the value of the loan is less than its recorded investment, then impairment is recognized as a component of the provision for loan losses, an associated increase to the allowance for loan losses or as a charge-off to the allowance for loan losses in the current period. Impaired Loans The following tables summarize impaired loan information by portfolio class at the indicated dates: September 30, 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 $ 467 $ 467 $ - $ 473 $ 473 $ - Commercial real estate 1,648 1,738 - 2,580 2,709 - Commercial lines of credit 409 409 - 574 597 - Other commercial and industrial 371 371 - 536 569 - Home equity and junior liens 272 272 - 187 187 - Other consumer 1 2 - 5 6 - With an allowance recorded: 1-4 family first-lien residential mortgages 129 143 37 - - - Commercial real estate 1,877 2,008 835 1,850 1,963 760 Commercial lines of credit 5 5 5 5 5 5 Other commercial and industrial 172 189 141 224 230 193 Home equity and junior liens 6 7 6 101 101 2 Other consumer - - - - - - Total: 1-4 family first-lien residential mortgages 596 610 37 473 473 - Commercial real estate 3,525 3,746 835 4,430 4,672 760 Commercial lines of credit 414 414 5 579 602 5 Other commercial and industrial 543 560 141 760 799 193 Home equity and junior liens 278 279 6 288 288 2 Other consumer 1 2 - 5 6 - Totals $ 5,357 $ 5,611 $ 1,024 $ 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 nine months ended September 30, September 30, (In thousands) 2016 2015 2016 2015 1-4 family first-lien residential mortgages $ 598 $ 477 $ 568 $ 720 Commercial real estate 3,884 4,669 4,138 4,820 Commercial lines of credit 414 635 499 505 Other commercial and industrial 552 941 649 813 Home equity and junior liens 282 292 285 310 Other consumer 2 7 3 9 Total $ 5,732 $ 7,021 $ 6,142 $ 7,177 The following table presents the cash basis interest income recognized on impaired loans for the periods indicated: For the three months ended For the nine months ended September 30, September 30, (In thousands) 2016 2015 2016 2015 1-4 family first-lien residential mortgages $ 7 $ 4 $ 19 $ 13 Commercial real estate 22 21 74 71 Commercial lines of credit 1 (3 ) 1 4 Other commercial and industrial 19 5 40 23 Home equity and junior liens 2 - 6 4 Other consumer - - - - Total $ 51 $ 27 $ 140 $ 115

Allowance for Loan Losses

Allowance for Loan Losses	9 Months Ended
	Sep. 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 September 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 $ 627 $ - $ 3,071 $ 405 $ 1,241 Charge-offs (114 ) - - - - Recoveries 1 - 7 1 5 Provisions 119 - 203 (22 ) 67 Ending balance $ 633 $ - $ 3,281 $ 384 $ 1,313 Ending balance: related to loans individually evaluated for impairment 37 - 835 5 141 Ending balance: related to loans collectively evaluated for impairment $ 596 $ - $ 2,446 $ 379 $ 1,172 Loans receivables: Ending balance $ 193,704 $ 5,936 $ 142,914 $ 20,953 $ 67,414 Ending balance: individually evaluated for impairment 596 - 3,525 414 543 Ending balance: collectively evaluated for impairment $ 193,108 $ 5,936 $ 139,389 $ 20,539 $ 66,871 Home equity Other Municipal and junior liens Consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 1 $ 350 $ 147 $ 88 $ 5,930 Charge-offs - (26 ) (19 ) - (159 ) Recoveries - 6 13 - 33 Provisions 2 27 14 (88 ) 322 Ending balance $ 3 $ 357 $ 155 $ - $ 6,126 Ending balance: related to loans individually evaluated for impairment - 6 - - 1,024 Ending balance: related to loans collectively evaluated for impairment $ 3 $ 351 $ 155 $ - $ 5,102 Loans receivables: Ending balance $ 12,715 $ 24,186 $ 5,816 $ 473,638 Ending balance: individually evaluated for impairment - 278 1 5,357 Ending balance: collectively evaluated for impairment $ 12,715 $ 23,908 $ 5,815 $ 468,281 For the nine months ended September 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 (144 ) - - (43 ) - Recoveries 2 - 7 10 12 Provisions 194 - 291 16 31 Ending balance $ 633 $ - $ 3,281 $ 384 $ 1,313 Home equity Other Tax exempt and junior liens consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 3 $ 350 $ 118 $ - $ 5,706 Charge-offs - (115 ) (38 ) - (340 ) Recoveries - 9 38 - 78 Provisions - 113 37 - 682 Ending balance $ 3 $ 357 $ 155 $ - $ 6,126 For the three months ended September 30, 2015 1-4 family first-lien Residential Other residential construction Commercial Commercial commercial (In thousands) mortgage mortgage real estate lines of credit and industrial Allowance for loan losses: Beginning Balance $ 544 $ - $ 3,288 $ 517 $ 1,110 Charge-offs (21 ) - (195 ) (150 ) - Recoveries 2 - - - 2 Provisions (13 ) - (62 ) 3 (55 ) Ending balance $ 512 $ - $ 3,031 $ 370 $ 1,057 Ending balance: related to loans individually evaluated for impairment - - 826 - 209 Ending balance: related to loans collectively evaluated for impairment $ 512 $ - $ 2,205 $ 370 $ 848 Loans receivables: Ending balance $ 179,146 $ 6,804 $ 126,931 $ 18,327 $ 46,901 Ending balance: individually evaluated for impairment 476 - 4,522 657 929 Ending balance: collectively evaluated for impairment $ 178,670 $ 6,804 $ 122,409 $ 17,670 $ 45,972 Home equity Other Municipal and junior liens Consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 5 $ 331 $ 105 $ - $ 5,900 Charge-offs - (11 ) (28 ) - (405 ) Recoveries - 1 12 - 17 Provisions (1 ) 7 18 323 220 Ending balance $ 4 $ 328 $ 107 $ 323 $ 5,732 Ending balance: related to loans individually evaluated for impairment - 3 - - 1,038 Ending balance: related to loans collectively evaluated for impairment $ 4 $ 325 $ 107 $ 323 $ 4,694 Loans receivables: Ending balance $ 9,195 $ 22,850 $ 4,807 $ 414,961 Ending balance: individually evaluated for impairment - 290 7 6,881 Ending balance: collectively evaluated for impairment $ 9,195 $ 22,560 $ 4,800 $ 408,080 For the nine months ended September 30, 2015 1-4 family first-lien Residential Other residential construction Commercial Commercial commercial (In thousands) mortgage mortgage real estate lines of credit and industrial Allowance for loan losses: Beginning Balance $ 509 $ - $ 2,801 $ 460 $ 1,034 Charge-offs (186 ) - (224 ) (160 ) (108 ) Recoveries 40 - - 36 7 Provisions 149 - 454 34 124 Ending balance $ 512 $ - $ 3,031 $ 370 $ 1,057 Home equity Other Tax exempt and junior liens consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 3 $ 388 $ 98 $ 56 $ 5,349 Charge-offs - (11 ) (60 ) - (749 ) Recoveries - 8 37 - 128 Provisions 1 (57 ) 32 267 1,004 Ending balance $ 4 $ 328 $ 107 $ 323 $ 5,732 The Company's methodology for determining its allowance for loan losses includes an analysis of qualitative factors that are added to the historical loss rates in arriving at the total allowance for loan losses needed for this general pool of loans. The qualitative factors include: · Changes in national and local economic trends; · The rate of growth in the portfolio; · Trends of delinquencies and nonaccrual balances; · Changes in loan policy; and · Changes in lending management experience and related staffing. Each factor is assigned a value to reflect improving, stable or declining conditions based on management's best judgment using relevant information available at the time of the evaluation. These qualitative factors, applied to each product class, make the evaluation inherently subjective, as it requires material estimates that may be susceptible to significant revision as more information becomes available. Adjustments to the factors are supported through documentation of changes in conditions in a narrative accompanying the allowance for loan losses analysis and calculation. The allocation of the allowance for loan losses summarized on the basis of the Company's calculation methodology was as follows: September 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 Specifically reserved $ 37 $ - $ 835 $ 5 $ 141 Historical loss rate 79 - 84 40 52 Qualitative factors 517 - 2,362 339 1,120 Total $ 633 $ - $ 3,281 $ 384 $ 1,313 Home equity Other (In thousands) Tax exempt and junior liens consumer Unallocated Total Specifically reserved $ - $ 6 $ - $ - $ 1,024 Historical loss rate - 35 23 - 313 Qualitative factors 3 316 132 - 4,789 Total $ 3 $ 357 $ 155 $ - $ 6,126 December 31, 2015 1-4 family first-lien Residential Other residential construction Commercial Commercial commercial (In thousands) mortgage mortgage real estate lines of credit and industrial Specifically reserved $ - $ - $ 760 $ 5 $ 193 Historical loss rate 70 - 97 49 54 Qualitative factors 511 - 2,126 347 1,023 Total $ 581 $ - $ 2,983 $ 401 $ 1,270 Home equity Other (In thousands) Tax exempt and junior liens consumer Unallocated Total Specifically reserved $ - $ 2 $ - $ - $ 960 Historical loss rate - 26 25 - 321 Qualitative factors 3 322 93 - 4,425 Total $ 3 $ 350 $ 118 $ - $ 5,706

Foreclosed Real Estate

Foreclosed Real Estate	9 Months Ended
	Sep. 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. September 30, December 31, (Dollars in thousands) Number of properties 2016 Number of properties 2015 Foreclosed residential real estate 8 $ 320 2 $ 182 At September 30, 2016, the Company reported $665,000 in residential real estate loans in the process of foreclosure.

Guarantees

Guarantees	9 Months Ended
	Sep. 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 September 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	9 Months Ended
	Sep. 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 a private sale. 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 September 30, 2016 and has concluded that this investment was appropriately valued at the acquisition cost of its most recent purchase, 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. The swap agreement presented in the accompanying financial statements expired in the second quarter of 2016 and was not renewed. Impaired loans: Impaired loans are those loans in which the Company has measured impairment based on the fair value of the loan's collateral or the discounted value of expected future cash flows. Fair value is generally determined based upon market value evaluations by third parties of the properties and/or estimates by management of working capital collateral or discounted cash flows based upon expected proceeds. These appraisals may include up to three approaches to value: the sales comparison approach, the income approach (for income-producing property), and the cost approach. Management modifies the appraised values, if needed, to take into account recent developments in the market or other factors, such as, changes in absorption rates or market conditions from the time of valuation and anticipated sales values considering management's plans for disposition. Such modifications to the appraised values could result in lower valuations of such collateral. Estimated costs to sell are based on current amounts of disposal costs for similar assets. These measurements are classified as Level 3 within the valuation hierarchy. Impaired loans are subject to nonrecurring fair value adjustment upon initial recognition or subsequent impairment. A portion of the allowance for loan losses is allocated to impaired loans if the value of such loans is deemed to be less than the unpaid balance. Foreclosed real estate: Fair values for foreclosed real estate are initially recorded based on market value evaluations by third parties, less costs to sell ("initial cost basis"). Any write-downs required when the related loan receivable is exchanged for the underlying real estate collateral at the time of transfer to foreclosed real estate are charged to the allowance for loan losses. Values are derived from appraisals, similar to impaired loans, of underlying collateral or discounted cash flow analysis. Subsequent to foreclosure, valuations are updated periodically and assets are marked to current fair value, not to exceed the initial cost basis. In the determination of fair value subsequent to foreclosure, management also considers other factors or recent developments, such as, changes in absorption rates and market conditions from the time of valuation and anticipated sales values considering management's plans for disposition. Either change could result in adjustment to lower the property value estimates indicated in the appraisals. These measurements are classified as Level 3 within the fair value hierarchy. The following tables summarize assets measured at fair value on a recurring basis as of the indicated dates, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value: September 30, 2016 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Available-for-sale portfolio Debt investment securities: US Treasury, agencies and GSEs $ - $ 19,270 $ - $ 19,270 State and political subdivisions - 14,474 - 14,474 Corporate - 15,706 - 15,706 Asset backed securities - 4,320 - 4,320 Residential mortgage-backed - US agency - 28,880 - 28,880 Collateralized mortgage obligations - US agency - 46,205 - 46,205 Collateralized mortgage obligations - Private label - 6,936 - 6,936 Equity investment securities: Mutual funds: Ultra short mortgage fund 631 - - 631 Large cap equity fund 619 - - 619 Common stock - Financial services industry - 220 456 676 Total available-for-sale securities $ 1,250 $ 136,011 $ 456 $ 137,717 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 September 30, 2016 were as follows: (In thousands) Common Stock - Financial Services Industry Balance - June 30, 2016 $ 443 Total gains realized/unrealized: Included in earnings - Included in other comprehensive income 13 Settlements - Sales - Balance - September 30, 2016 $ 456 Changes in unrealized gains included in earnings related to assets still held at September 30, 2016 $ - The changes in Level 3 assets and liabilities measured at estimated fair value on a recurring basis during the nine months ended September 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 13 Settlements 130 Sales - Balance - September 30, 2016 $ 456 Changes in unrealized gains included in earnings related to assets still held at September 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 September 30, 2016 Investment Type Fair Value Valuation Techniques Unobservable Input Weight Common Stock - Financial Services Industry $ 456 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 % Pathfinder Bank had the following assets measured at fair value on a nonrecurring basis as of September 30, 2016 and December 31, 2015: September 30, 2016 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ - $ - $ 444 $ 444 Foreclosed real estate $ - $ - $ 320 $ 320 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 September 30, 2016 Impaired loans Appraisal of collateral Appraisal Adjustments 5% - 10% (5%) (Sales Approach) Costs to Sell 7% - 13% (11%) 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 September 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 a private sale. 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 September 30, 2016 and has concluded that this investment was appropriately valued at the acquisition cost of its most recent purchase, 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: September 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 $ 23,663 $ 23,663 $ 15,245 $ 15,245 Investment securities - available-for-sale 1 1,250 1,250 1,267 1,267 Investment securities - available-for-sale 2 136,011 136,011 97,362 97,362 Investment securities - available-for-sale 3 456 456 313 313 Investment securities - held-to-maturity 2 44,757 46,505 44,297 45,515 Federal Home Loan Bank stock 2 4,290 4,290 2,424 2,424 Net loans 3 467,297 473,613 424,732 428,410 Accrued interest receivable 1 2,316 2,316 2,053 2,053 Financial liabilities: Demand Deposits, Savings, NOW and MMDA 1 $ 405,694 $ 405,694 $ 343,853 $ 343,853 Time Deposits 2 149,431 150,283 146,462 146,158 Borrowings 2 82,100 82,243 41,300 41,282 Subordinated loans 2 15,016 13,991 14,991 14,027 Accrued interest payable 1 76 76 199 199 Interest rate swap derivative 2 - - 27 27

Interest Rate Derivatives

Interest Rate Derivatives	9 Months Ended
	Sep. 30, 2016
Interest Rate Derivatives [Abstract]
Interest Rate Derivatives	Note 11: Interest Rate Derivatives Derivative instruments are entered into by the Company primarily as a risk management tool. 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) September 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 September 30, (In thousands) 2016 2015 Balance as of June 30: $ - $ (57 ) Amount of (gains) recognized in other comprehensive income - (2 ) Amount of loss reclassified from other comprehensive income and recognized as interest expense - 15 Balance as of September 30: $ - $ (44 ) Nine months ended September 30, (In thousands) 2016 2015 Balance as of December 31: $ (27 ) $ (82 ) Amount of losses (gains) recognized in other comprehensive income 2 (8 ) Amount of loss reclassified from other comprehensive income and recognized as interest expense 25 46 Balance as of September 30: $ - $ (44 ) 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)	9 Months Ended
	Sep. 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 September 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 $ (1,779 ) $ - $ 406 $ (612 ) $ (1,985 ) Other comprehensive (loss) income before reclassifications - - (39 ) 47 8 Amounts reclassified from AOCI 33 - 2 - 35 Ending balance $ (1,746 ) $ - $ 369 $ (565 ) $ (1,942 ) For the nine months ended September 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 - 1 290 89 380 Amounts reclassified from AOCI 98 15 130 - 243 Ending balance $ (1,746 ) $ - $ 369 $ (565 ) $ (1,942 ) For the three months ended September 30, 2015 (In thousands) Retirement Plans Unrealized Gains and Losses on Financial derivative Unrealized Gains and Losses on Available-for-Sale Securities Unrealized Loss on Securities Transferred to Held-to-Maturity Total Beginning balance $ (1,740 ) $ (34 ) $ 149 $ (694 ) $ (2,319 ) Other comprehensive (loss) income before reclassifications - (1 ) 356 20 375 Amounts reclassified from AOCI 27 9 (52 ) - (16 ) Ending balance $ (1,713 ) $ (26 ) $ 453 $ (674 ) $ (1,960 ) For the nine months ended September 30, 2015 (In thousands) Retirement Plans Unrealized Gains and Losses on Financial derivative Unrealized Gains and Losses on Available-for-Sale Securities Securities reclassified from AFS to HTM Total Beginning balance $ (1,794 ) $ (49 ) $ 457 $ (733 ) (2,119 ) Other comprehensive (loss) income before reclassifications - (5 ) 109 59 163 Amounts reclassified from AOCI 81 28 (113 ) - (4 ) Ending balance $ (1,713 ) $ (26 ) $ 453 $ (674 ) $ (1,960 ) The following table presents the amounts reclassified out of each component of AOCI for the indicated period: Amount Reclassified Amount Reclassified from AOCI 1 from AOCI 1 (Unaudited) (Unaudited) (In thousands) For the three months ended For the nine months ended Details about AOCI 1 September 30, 2016 September 30, 2015 Affected Line Item in the Statement of Income September 30, 2016 September 30, 2015 Unrealized holding gain on financial derivative: Reclassification adjustment for interest expense included in net income $ - $ (15 ) Interest on long term borrowings $ (25 ) $ (46 ) - 6 Provision for income taxes 10 18 $ - $ (9 ) Net Income $ (15 ) $ (28 ) Retirement plan items Retirement plan net losses recognized in plan expenses 2 $ (54 ) $ (45 ) Salaries and employee benefits $ (163 ) $ (135 ) 22 18 Provision for income taxes 65 54 $ (32 ) $ (27 ) Net Income $ (98 ) $ (81 ) Available-for-sale securities Realized gain on sale of securities $ (4 ) $ 88 Net gains on sales and redemptions of investment securities $ (216 ) $ 188 1 (36 ) Provision for income taxes 86 (75 ) $ (3 ) $ 52 Net Income $ (130 ) $ 113 1 2 See Note 5 for additional information.

Earnings per Common Share (Tabl

Earnings per Common Share (Tables)	9 Months Ended
	Sep. 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 Nine months ended September 30, September 30, (In thousands, except per share data) 2016 2015 2016 2015 Basic Earnings Per Common Share Net income available to common shareholders $ 820 $ 852 $ 2,297 $ 2,011 Weighted average common shares outstanding 4,094 4,126 4,128 4,120 Basic earnings per common share $ 0.20 $ 0.21 $ 0.56 $ 0.49 Diluted Earnings Per Common Share Net income available to common shareholders $ 820 $ 852 $ 2,297 $ 2,011 Weighted average common shares outstanding 4,094 4,126 4,128 4,120 Effect of assumed exercise of stock options 86 71 83 65 Diluted weighted average common shares outstanding 4,180 4,197 4,211 4,185 Diluted earnings per common share $ 0.20 $ 0.20 $ 0.55 $ 0.48

Investment Securities (Tables)

Investment Securities (Tables)	9 Months Ended
	Sep. 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: September 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 $ 19,272 $ 4 $ (6 ) $ 19,270 State and political subdivisions 14,360 147 (33 ) 14,474 Corporate 15,647 130 (71 ) 15,706 Asset backed securities 4,318 2 - 4,320 Residential mortgage-backed - US agency 28,580 316 (16 ) 28,880 Collateralized mortgage obligations - US agency 46,185 209 (189 ) 46,205 Collateralized mortgage obligations - Private Label 6,973 - (37 ) 6,936 Total 135,335 808 (352 ) 135,791 Equity investment securities: Mutual funds: Ultra short mortgage fund 643 - (12 ) 631 Large cap equity fund 456 163 - 619 Common stock - Financial services industry 663 13 - 676 Total 1,762 176 (12 ) 1,926 Total available-for-sale $ 137,097 $ 984 $ (364 ) $ 137,717 Held-to-Maturity Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 4,924 $ 133 $ - $ 5,057 State and political subdivisions 24,784 1,015 (18 ) 25,781 Corporate 5,358 97 - 5,455 Residential mortgage-backed - US agency 6,767 293 - 7,060 Collateralized mortgage obligations - US agency 2,924 228 - 3,152 Total held-to-maturity $ 44,757 $ 1,766 $ (18 ) $ 46,505 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 September 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 $ 10,486 $ 10,506 $ 205 $ 205 Due after one year through five years 26,362 26,492 10,071 10,374 Due after five years through ten years 8,716 8,798 17,428 18,102 Due after ten years 8,033 7,974 7,362 7,612 Sub-total 53,597 53,770 35,066 36,293 Residential mortgage-backed - US agency 28,580 28,880 6,767 7,060 Collateralized mortgage obligations - US agency 46,185 46,205 2,924 3,152 Collateralized mortgage obligations - Private label 6,973 6,936 - - Totals $ 135,335 $ 135,791 $ 44,757 $ 46,505
Investment Securities' Gross Unrealized Losses and Fair Value by Investment Category and Length of Time that Individual Securities Have Continuous Unrealized Loss Position	The Company's investment securities' gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, are as follows: September 30, 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 3 $ (6 ) $ 11,242 - $ - $ - 3 $ (6 ) $ 11,242 State and political subdivisions 17 (33 ) 4,820 - - - 17 (33 ) 4,820 Corporate 3 (71 ) 4,823 - - - 3 (71 ) 4,823 Equity and other investments 1 (12 ) 631 - - - 1 (12 ) 631 Residential mortgage-backed - US agency 2 (16 ) 3,115 - - - 2 (16 ) 3,115 Collateralized mortgage obligations - US agency 14 (164 ) 22,723 4 (25 ) 2,740 18 (189 ) 25,463 Collateralized mortgage obligations - Private label 3 (37 ) 3,505 - - - 3 (37 ) 3,505 Totals 43 $ (339 ) $ 50,859 4 $ (25 ) $ 2,740 47 $ (364 ) $ 53,599 Held-to-Maturity US Treasury, agencies and GSE's - $ - $ - - $ - $ - - $ - $ - State and political subdivisions 2 (18 ) 2,037 2 (18 ) 2,037 Corporate - - - - - - - - - Residential mortgage-backed - US agency - - - - - - - - - Totals 2 $ (18 ) $ 2,037 - $ - $ - 2 $ (18 ) $ 2,037 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 nine months ended September 30, ended September 30, (In thousands) 2016 2015 2016 2015 Realized gains $ 4 $ 88 $ 233 $ 198 Realized losses - - (17 ) (10 ) $ 4 $ 88 $ 216 $ 188

Pension and Postretirement Be23

Pension and Postretirement Benefits (Tables)	9 Months Ended
	Sep. 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 September 30, For the nine months ended September 30, (In thousands) 2016 2015 2016 2015 2016 2015 2016 2015 Service cost $ - $ - $ - $ - $ - $ - $ - $ - Interest cost 116 117 2 4 348 351 6 13 Expected return on plan assets (238 ) (244 ) - - (714 ) (731 ) - - Amortization of net losses 56 45 (2 ) - 169 135 (6 ) - Net periodic benefit plan (benefit) cost $ (66 ) $ (82 ) $ - $ 4 $ (197 ) $ (245 ) $ - $ 13

Loans (Tables)

Loans (Tables)	9 Months Ended
	Sep. 30, 2016
Loans [Abstract]
Major Classification of Loans	Major classifications of loans at the indicated dates are as follows: September 30, December 31, (In thousands) 2016 2015 Residential mortgage loans: 1-4 family first-lien residential mortgages $ 193,704 $ 181,792 Construction 5,936 7,924 Total residential mortgage loans 199,640 189,716 Commercial loans: Real estate 142,914 129,506 Lines of credit 20,953 19,035 Other commercial and industrial 67,414 54,899 Tax exempt loans 12,715 9,081 Total commercial loans 243,996 212,521 Consumer loans: Home equity and junior liens 24,186 23,463 Other consumer 5,816 4,886 Total consumer loans 30,002 28,349 Total loans 473,638 430,586 Net deferred loan fees (215 ) (148 ) Less allowance for loan losses (6,126 ) (5,706 ) Loans receivable, net $ 467,297 $ 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 September 30, 2016 Special (In thousands) Pass Mention Substandard Doubtful Total Residential mortgage loans: 1-4 family first-lien residential mortgages $ 190,204 $ 796 $ 1,540 $ 1,164 $ 193,704 Construction 5,936 - - - 5,936 Total residential mortgage loans 196,140 796 1,540 1,164 199,640 Commercial loans: Real estate 135,670 2,158 5,086 - 142,914 Lines of credit 19,964 574 415 - 20,953 Other commercial and industrial 66,573 516 320 5 67,414 Tax exempt loans 12,715 - - - 12,715 Total commercial loans 234,922 3,248 5,821 5 243,996 Consumer loans: Home equity and junior liens 23,725 98 210 153 24,186 Other consumer 5,703 5 64 44 5,816 Total consumer loans 29,428 103 274 197 30,002 Total loans $ 460,490 $ 4,147 $ 7,635 $ 1,366 $ 473,638 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 September 30, 2016 and December 31, 2015, are detailed in the following tables: As of September 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 $ 2,182 $ 711 $ 1,335 $ 4,228 $ 189,476 $ 193,704 Construction - - - - 5,936 5,936 Total residential mortgage loans 2,182 711 1,335 4,228 195,412 199,640 Commercial loans: Real estate 604 495 1,889 2,988 139,926 142,914 Lines of credit - - - - 20,953 20,953 Other commercial and industrial 445 - 264 709 66,705 67,414 Tax exempt loans - - - - 12,715 12,715 Total commercial loans 1,049 495 2,153 3,697 240,299 243,996 Consumer loans: Home equity and junior liens 76 - 345 421 23,765 24,186 Other consumer 25 11 56 92 5,724 5,816 Total consumer loans 101 11 401 513 29,489 30,002 Total loans $ 3,332 $ 1,217 $ 3,889 $ 8,438 $ 465,200 $ 473,638 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: September 30, December 31, (In thousands) 2016 2015 Residential mortgage loans: 1-4 family first-lien residential mortgages $ 1,335 $ 1,715 1,335 1,715 Commercial loans: Real estate 1,889 2,694 Lines of credit - 174 Other commercial and industrial 264 370 2,153 3,238 Consumer loans: Home equity and junior liens 345 360 Other consumer 56 5 401 365 Total nonaccrual loans $ 3,889 $ 5,318
Troubled Debt Restructurings on Financing Receivables	The tables below detail loans that have been modified as TDRs for the nine months ended September 30, 2016 and 2015. For the nine months ended September 30, 2016 (In thousands) Number of loans Pre-modification outstanding recorded investment Post-modification outstanding recorded investment Additional provision for loan losses Collectively evaluated for impairment: Residential mortgage loans 2 $ 97 $ 100 $ - The TDRs collectively evaluated for impairment were included in the general loan loss allocation and qualitative review and the impact on the allowance for loan losses was immaterial. For the nine months ended September 30, 2015 (In thousands) Number of loans Pre-modification outstanding recorded investment Post-modification outstanding recorded investment Additional provision for loan losses Individually evaluated for impairment: Commercial real estate loans 1 $ 678 $ 324 $ 354 Collectively evaluated for impairment: Residential mortgage loans 2 $ 69 $ 79 $ -
Summary of Impaired Loans Information by Portfolio Class	The following tables summarize impaired loan information by portfolio class at the indicated dates: September 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 $ 467 $ 467 $ - $ 473 $ 473 $ - Commercial real estate 1,648 1,738 - 2,580 2,709 - Commercial lines of credit 409 409 - 574 597 - Other commercial and industrial 371 371 - 536 569 - Home equity and junior liens 272 272 - 187 187 - Other consumer 1 2 - 5 6 - With an allowance recorded: 1-4 family first-lien residential mortgages 129 143 37 - - - Commercial real estate 1,877 2,008 835 1,850 1,963 760 Commercial lines of credit 5 5 5 5 5 5 Other commercial and industrial 172 189 141 224 230 193 Home equity and junior liens 6 7 6 101 101 2 Other consumer - - - - - - Total: 1-4 family first-lien residential mortgages 596 610 37 473 473 - Commercial real estate 3,525 3,746 835 4,430 4,672 760 Commercial lines of credit 414 414 5 579 602 5 Other commercial and industrial 543 560 141 760 799 193 Home equity and junior liens 278 279 6 288 288 2 Other consumer 1 2 - 5 6 - Totals $ 5,357 $ 5,611 $ 1,024 $ 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 nine months ended September 30, September 30, (In thousands) 2016 2015 2016 2015 1-4 family first-lien residential mortgages $ 598 $ 477 $ 568 $ 720 Commercial real estate 3,884 4,669 4,138 4,820 Commercial lines of credit 414 635 499 505 Other commercial and industrial 552 941 649 813 Home equity and junior liens 282 292 285 310 Other consumer 2 7 3 9 Total $ 5,732 $ 7,021 $ 6,142 $ 7,177
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 nine months ended September 30, September 30, (In thousands) 2016 2015 2016 2015 1-4 family first-lien residential mortgages $ 7 $ 4 $ 19 $ 13 Commercial real estate 22 21 74 71 Commercial lines of credit 1 (3 ) 1 4 Other commercial and industrial 19 5 40 23 Home equity and junior liens 2 - 6 4 Other consumer - - - - Total $ 51 $ 27 $ 140 $ 115

Allowance for Loan Losses (Tabl

Allowance for Loan Losses (Tables)	9 Months Ended
	Sep. 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 September 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 $ 627 $ - $ 3,071 $ 405 $ 1,241 Charge-offs (114 ) - - - - Recoveries 1 - 7 1 5 Provisions 119 - 203 (22 ) 67 Ending balance $ 633 $ - $ 3,281 $ 384 $ 1,313 Ending balance: related to loans individually evaluated for impairment 37 - 835 5 141 Ending balance: related to loans collectively evaluated for impairment $ 596 $ - $ 2,446 $ 379 $ 1,172 Loans receivables: Ending balance $ 193,704 $ 5,936 $ 142,914 $ 20,953 $ 67,414 Ending balance: individually evaluated for impairment 596 - 3,525 414 543 Ending balance: collectively evaluated for impairment $ 193,108 $ 5,936 $ 139,389 $ 20,539 $ 66,871 Home equity Other Municipal and junior liens Consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 1 $ 350 $ 147 $ 88 $ 5,930 Charge-offs - (26 ) (19 ) - (159 ) Recoveries - 6 13 - 33 Provisions 2 27 14 (88 ) 322 Ending balance $ 3 $ 357 $ 155 $ - $ 6,126 Ending balance: related to loans individually evaluated for impairment - 6 - - 1,024 Ending balance: related to loans collectively evaluated for impairment $ 3 $ 351 $ 155 $ - $ 5,102 Loans receivables: Ending balance $ 12,715 $ 24,186 $ 5,816 $ 473,638 Ending balance: individually evaluated for impairment - 278 1 5,357 Ending balance: collectively evaluated for impairment $ 12,715 $ 23,908 $ 5,815 $ 468,281 For the nine months ended September 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 (144 ) - - (43 ) - Recoveries 2 - 7 10 12 Provisions 194 - 291 16 31 Ending balance $ 633 $ - $ 3,281 $ 384 $ 1,313 Home equity Other Tax exempt and junior liens consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 3 $ 350 $ 118 $ - $ 5,706 Charge-offs - (115 ) (38 ) - (340 ) Recoveries - 9 38 - 78 Provisions - 113 37 - 682 Ending balance $ 3 $ 357 $ 155 $ - $ 6,126 For the three months ended September 30, 2015 1-4 family first-lien Residential Other residential construction Commercial Commercial commercial (In thousands) mortgage mortgage real estate lines of credit and industrial Allowance for loan losses: Beginning Balance $ 544 $ - $ 3,288 $ 517 $ 1,110 Charge-offs (21 ) - (195 ) (150 ) - Recoveries 2 - - - 2 Provisions (13 ) - (62 ) 3 (55 ) Ending balance $ 512 $ - $ 3,031 $ 370 $ 1,057 Ending balance: related to loans individually evaluated for impairment - - 826 - 209 Ending balance: related to loans collectively evaluated for impairment $ 512 $ - $ 2,205 $ 370 $ 848 Loans receivables: Ending balance $ 179,146 $ 6,804 $ 126,931 $ 18,327 $ 46,901 Ending balance: individually evaluated for impairment 476 - 4,522 657 929 Ending balance: collectively evaluated for impairment $ 178,670 $ 6,804 $ 122,409 $ 17,670 $ 45,972 Home equity Other Municipal and junior liens Consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 5 $ 331 $ 105 $ - $ 5,900 Charge-offs - (11 ) (28 ) - (405 ) Recoveries - 1 12 - 17 Provisions (1 ) 7 18 323 220 Ending balance $ 4 $ 328 $ 107 $ 323 $ 5,732 Ending balance: related to loans individually evaluated for impairment - 3 - - 1,038 Ending balance: related to loans collectively evaluated for impairment $ 4 $ 325 $ 107 $ 323 $ 4,694 Loans receivables: Ending balance $ 9,195 $ 22,850 $ 4,807 $ 414,961 Ending balance: individually evaluated for impairment - 290 7 6,881 Ending balance: collectively evaluated for impairment $ 9,195 $ 22,560 $ 4,800 $ 408,080 For the nine months ended September 30, 2015 1-4 family first-lien Residential Other residential construction Commercial Commercial commercial (In thousands) mortgage mortgage real estate lines of credit and industrial Allowance for loan losses: Beginning Balance $ 509 $ - $ 2,801 $ 460 $ 1,034 Charge-offs (186 ) - (224 ) (160 ) (108 ) Recoveries 40 - - 36 7 Provisions 149 - 454 34 124 Ending balance $ 512 $ - $ 3,031 $ 370 $ 1,057 Home equity Other Tax exempt and junior liens consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 3 $ 388 $ 98 $ 56 $ 5,349 Charge-offs - (11 ) (60 ) - (749 ) Recoveries - 8 37 - 128 Provisions 1 (57 ) 32 267 1,004 Ending balance $ 4 $ 328 $ 107 $ 323 $ 5,732
Schedule of Allowance for Loan Losses on Basis of Calculation Methodology	The allocation of the allowance for loan losses summarized on the basis of the Company's calculation methodology was as follows: September 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 Specifically reserved $ 37 $ - $ 835 $ 5 $ 141 Historical loss rate 79 - 84 40 52 Qualitative factors 517 - 2,362 339 1,120 Total $ 633 $ - $ 3,281 $ 384 $ 1,313 Home equity Other (In thousands) Tax exempt and junior liens consumer Unallocated Total Specifically reserved $ - $ 6 $ - $ - $ 1,024 Historical loss rate - 35 23 - 313 Qualitative factors 3 316 132 - 4,789 Total $ 3 $ 357 $ 155 $ - $ 6,126 December 31, 2015 1-4 family first-lien Residential Other residential construction Commercial Commercial commercial (In thousands) mortgage mortgage real estate lines of credit and industrial Specifically reserved $ - $ - $ 760 $ 5 $ 193 Historical loss rate 70 - 97 49 54 Qualitative factors 511 - 2,126 347 1,023 Total $ 581 $ - $ 2,983 $ 401 $ 1,270 Home equity Other (In thousands) Tax exempt and junior liens consumer Unallocated Total Specifically reserved $ - $ 2 $ - $ - $ 960 Historical loss rate - 26 25 - 321 Qualitative factors 3 322 93 - 4,425 Total $ 3 $ 350 $ 118 $ - $ 5,706

Foreclosed Real Estate (Tables)

Foreclosed Real Estate (Tables)	9 Months Ended
	Sep. 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. September 30, December 31, (Dollars in thousands) Number of properties 2016 Number of properties 2015 Foreclosed residential real estate 8 $ 320 2 $ 182

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 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: September 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 $ - $ 19,270 $ - $ 19,270 State and political subdivisions - 14,474 - 14,474 Corporate - 15,706 - 15,706 Asset backed securities - 4,320 - 4,320 Residential mortgage-backed - US agency - 28,880 - 28,880 Collateralized mortgage obligations - US agency - 46,205 - 46,205 Collateralized mortgage obligations - Private label - 6,936 - 6,936 Equity investment securities: Mutual funds: Ultra short mortgage fund 631 - - 631 Large cap equity fund 619 - - 619 Common stock - Financial services industry - 220 456 676 Total available-for-sale securities $ 1,250 $ 136,011 $ 456 $ 137,717 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 September 30, 2016 were as follows: (In thousands) Common Stock - Financial Services Industry Balance - June 30, 2016 $ 443 Total gains realized/unrealized: Included in earnings - Included in other comprehensive income 13 Settlements - Sales - Balance - September 30, 2016 $ 456 Changes in unrealized gains included in earnings related to assets still held at September 30, 2016 $ - The changes in Level 3 assets and liabilities measured at estimated fair value on a recurring basis during the nine months ended September 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 13 Settlements 130 Sales - Balance - September 30, 2016 $ 456 Changes in unrealized gains included in earnings related to assets still held at September 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 September 30, 2016 Investment Type Fair Value Valuation Techniques Unobservable Input Weight Common Stock - Financial Services Industry $ 456 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 % Pathfinder Bank had the following assets measured at fair value on a nonrecurring basis as of September 30, 2016 and December 31, 2015: September 30, 2016 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ - $ - $ 444 $ 444 Foreclosed real estate $ - $ - $ 320 $ 320 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 September 30, 2016 Impaired loans Appraisal of collateral Appraisal Adjustments 5% - 10% (5%) (Sales Approach) Costs to Sell 7% - 13% (11%) 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: September 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 $ 23,663 $ 23,663 $ 15,245 $ 15,245 Investment securities - available-for-sale 1 1,250 1,250 1,267 1,267 Investment securities - available-for-sale 2 136,011 136,011 97,362 97,362 Investment securities - available-for-sale 3 456 456 313 313 Investment securities - held-to-maturity 2 44,757 46,505 44,297 45,515 Federal Home Loan Bank stock 2 4,290 4,290 2,424 2,424 Net loans 3 467,297 473,613 424,732 428,410 Accrued interest receivable 1 2,316 2,316 2,053 2,053 Financial liabilities: Demand Deposits, Savings, NOW and MMDA 1 $ 405,694 $ 405,694 $ 343,853 $ 343,853 Time Deposits 2 149,431 150,283 146,462 146,158 Borrowings 2 82,100 82,243 41,300 41,282 Subordinated loans 2 15,016 13,991 14,991 14,027 Accrued interest payable 1 76 76 199 199 Interest rate swap derivative 2 - - 27 27

Interest Rate Derivatives (Tabl

Interest Rate Derivatives (Tables)	9 Months Ended
	Sep. 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) September 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 September 30, (In thousands) 2016 2015 Balance as of June 30: $ - $ (57 ) Amount of (gains) recognized in other comprehensive income - (2 ) Amount of loss reclassified from other comprehensive income and recognized as interest expense - 15 Balance as of September 30: $ - $ (44 ) Nine months ended September 30, (In thousands) 2016 2015 Balance as of December 31: $ (27 ) $ (82 ) Amount of losses (gains) recognized in other comprehensive income 2 (8 ) Amount of loss reclassified from other comprehensive income and recognized as interest expense 25 46 Balance as of September 30: $ - $ (44 )

Accumulated Other Comprehensi29

Accumulated Other Comprehensive Income (Loss) (Tables)	9 Months Ended
	Sep. 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 September 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 $ (1,779 ) $ - $ 406 $ (612 ) $ (1,985 ) Other comprehensive (loss) income before reclassifications - - (39 ) 47 8 Amounts reclassified from AOCI 33 - 2 - 35 Ending balance $ (1,746 ) $ - $ 369 $ (565 ) $ (1,942 ) For the nine months ended September 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 - 1 290 89 380 Amounts reclassified from AOCI 98 15 130 - 243 Ending balance $ (1,746 ) $ - $ 369 $ (565 ) $ (1,942 ) For the three months ended September 30, 2015 (In thousands) Retirement Plans Unrealized Gains and Losses on Financial derivative Unrealized Gains and Losses on Available-for-Sale Securities Unrealized Loss on Securities Transferred to Held-to-Maturity Total Beginning balance $ (1,740 ) $ (34 ) $ 149 $ (694 ) $ (2,319 ) Other comprehensive (loss) income before reclassifications - (1 ) 356 20 375 Amounts reclassified from AOCI 27 9 (52 ) - (16 ) Ending balance $ (1,713 ) $ (26 ) $ 453 $ (674 ) $ (1,960 ) For the nine months ended September 30, 2015 (In thousands) Retirement Plans Unrealized Gains and Losses on Financial derivative Unrealized Gains and Losses on Available-for-Sale Securities Securities reclassified from AFS to HTM Total Beginning balance $ (1,794 ) $ (49 ) $ 457 $ (733 ) (2,119 ) Other comprehensive (loss) income before reclassifications - (5 ) 109 59 163 Amounts reclassified from AOCI 81 28 (113 ) - (4 ) Ending balance $ (1,713 ) $ (26 ) $ 453 $ (674 ) $ (1,960 )
Schedule of Amounts Reclassified Out of Each Component of AOCI	The following table presents the amounts reclassified out of each component of AOCI for the indicated period: Amount Reclassified Amount Reclassified from AOCI 1 from AOCI 1 (Unaudited) (Unaudited) (In thousands) For the three months ended For the nine months ended Details about AOCI 1 September 30, 2016 September 30, 2015 Affected Line Item in the Statement of Income September 30, 2016 September 30, 2015 Unrealized holding gain on financial derivative: Reclassification adjustment for interest expense included in net income $ - $ (15 ) Interest on long term borrowings $ (25 ) $ (46 ) - 6 Provision for income taxes 10 18 $ - $ (9 ) Net Income $ (15 ) $ (28 ) Retirement plan items Retirement plan net losses recognized in plan expenses 2 $ (54 ) $ (45 ) Salaries and employee benefits $ (163 ) $ (135 ) 22 18 Provision for income taxes 65 54 $ (32 ) $ (27 ) Net Income $ (98 ) $ (81 ) Available-for-sale securities Realized gain on sale of securities $ (4 ) $ 88 Net gains on sales and redemptions of investment securities $ (216 ) $ 188 1 (36 ) Provision for income taxes 86 (75 ) $ (3 ) $ 52 Net Income $ (130 ) $ 113 1 2 See Note 5 for additional information.

Basis of Presentation (Details)

Basis of Presentation (Details) - USD ($)	Feb. 16, 2016	Sep. 30, 2016	Sep. 30, 2016	Sep. 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	$ 97,000	$ 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		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Earnings per Common Share [Abstract]
Anti-dilutive stock options (in shares)	280,396	0	192,421	5,491
Basic Earnings Per Common Share [Abstract]
Net income available to common shareholders	$ 820	$ 852	$ 2,297	$ 2,011
Weighted average common shares outstanding (in shares)	4,094,000	4,126,000	4,128,000	4,120,000
Basic earnings per common share (in dollars per share)	$ 0.20	$ 0.21	$ 0.56	$ 0.49
Diluted Earnings Per Common Share [Abstract]
Net income available to common shareholders	$ 820	$ 852	$ 2,297	$ 2,011
Weighted average common shares outstanding (in shares)	4,094,000	4,126,000	4,128,000	4,120,000
Effect of assumed exercise of stock options (in shares)	86,000	71,000	83,000	65,000
Diluted weighted average common shares outstanding (in shares)	4,180,000	4,197,000	4,211,000	4,185,000
Diluted earnings per common share (in dollar per share)	$ 0.20	$ 0.20	$ 0.55	$ 0.48

Investment Securities (Details)

Investment Securities (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016USD ($)Security	Sep. 30, 2015USD ($)	Sep. 30, 2016USD ($)Security	Sep. 30, 2015USD ($)	Dec. 31, 2015USD ($)Security
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	$ 135,335		$ 135,335
Total investment securities, amortized cost basis	137,097		137,097		$ 99,024
Gross Unrealized Gains	984		984		531
Gross Unrealized Losses	(364)		(364)		(613)
Estimated Fair Value	137,717		$ 137,717		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	44,757		$ 44,757		44,297
Held to maturity, gross unrealized gains	1,766		1,766		1,255
Held to maturity, gross unrealized losses	(18)		(18)		(37)
Held-to-maturity Securities, Debt Maturities, Fair Value	46,505		46,505		45,515
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(18)		(18)		(37)
Twelve months or more Unrealized Losses	0		0		0
Total Unrealized Losses	(18)		(18)		(37)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	2,037		2,037		3,990
Twelve months or more Fair Value	0		0		0
Total Fair Value	$ 2,037		$ 2,037		$ 3,990
Number of securities in unrealized loss positions, less than twelve months | Security	2		2		4
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		4
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Due in one year or less	$ 10,486		$ 10,486
Due after one year through five years	26,362		26,362
Due after five years through ten years	8,716		8,716
Due after ten years	8,033		8,033
Sub-total	53,597		53,597
Residential mortgage-backed - US agency	28,580		28,580
Collateralized mortgage obligations - US agency	46,185		46,185
Collateralized mortgage obligations - Private label	6,973		6,973
Totals, amortized cost	135,335		135,335
Available-for-sale securities, debt maturities, Estimated Fair Value [Abstract]
Due in one year or less	10,506		10,506
Due after one year through five years	26,492		26,492
Due after five years through ten years	8,798		8,798
Due after ten years	7,974		7,974
Sub-total	53,770		53,770
Residential mortgage-backed - US agency	28,880		28,880
Collateralized mortgage obligations - US agency	46,205		46,205
Collateralized mortgage obligations - Private label	6,936		6,936
Available-for-sale securities, debt maturities, fair value, totals	135,791		135,791
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Due in one year or less	205		205
Due after one year through five years	10,071		10,071
Due after five years through ten years	17,428		17,428
Due after ten years	7,362		7,362
Sub-total	35,066		35,066
Residential mortgage-backed - US agency	6,767		6,767
Collateralized mortgage obligations - US agency	2,924		2,924
Collateralized mortgage obligations - Private label	0		0
Held-to-maturity securities, debt maturities, Amortized Cost	44,757		44,757		$ 44,297
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Due in one year or less	205		205
Due after one year through five years	10,374		10,374
Due after five years through ten years	18,102		18,102
Due after ten years	7,612		7,612
Sub-total	36,293		36,293
Residential mortgage-backed - US agency	7,060		7,060
Collateralized mortgage obligations - US agency	3,152		3,152
Collateralized mortgage obligations - Private label	0		0
Held-to-maturity Securities, Debt Maturities, Fair Value	46,505		46,505		45,515
Gain (Loss) on Sale of Investments [Abstract]
Realized gains	4	$ 88	233	$ 198
Realized losses	0	0	(17)	(10)
Total	4	$ 88	216	$ 188
Securities pledged to collateralize deposit	103,200		103,200		89,700
Securities pledged to collateralize borrowing	15,900		15,900		17,800
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	135,335		135,335		97,371
Gross Unrealized Gains, Debt investment securities	808		808		379
Gross Unrealized Losses, Debt investment securities	(352)		(352)		(608)
Available-for-sale Securities, Debt investment securities	135,791		135,791		97,142
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(339)		(339)		(364)
Twelve months or more Unrealized Losses	(25)		(25)		(249)
Total Unrealized Losses	(364)		(364)		(613)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	50,859		50,859		52,859
Twelve months or more Fair Value	2,740		2,740		10,744
Total Fair Value	$ 53,599		$ 53,599		$ 63,603
Number of securities in unrealized loss positions, less than twelve months | Security	43		43		53
Number of securities in unrealized loss positions, twelve months or more | Security	4		4		14
Number of securities in unrealized loss positions | Security	47		47		67
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 135,335		$ 135,335		$ 97,371
US Treasury, Agencies and GSEs [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	19,272		19,272		21,380
Gross Unrealized Gains, Debt investment securities	4		4		13
Gross Unrealized Losses, Debt investment securities	(6)		(6)		(85)
Available-for-sale Securities, Debt investment securities	19,270		19,270		21,308
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(6)		(6)		(70)
Twelve months or more Unrealized Losses	0		0		(15)
Total Unrealized Losses	(6)		(6)		(85)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	11,242		11,242		13,382
Twelve months or more Fair Value	0		0		984
Total Fair Value	$ 11,242		$ 11,242		$ 14,366
Number of securities in unrealized loss positions, less than twelve months | Security	3		3		9
Number of securities in unrealized loss positions, twelve months or more | Security	0		0		1
Number of securities in unrealized loss positions | Security	3		3		10
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 19,272		$ 19,272		$ 21,380
State and Political Subdivisions [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	14,360		14,360		8,198
Gross Unrealized Gains, Debt investment securities	147		147		107
Gross Unrealized Losses, Debt investment securities	(33)		(33)		(5)
Available-for-sale Securities, Debt investment securities	14,474		14,474		8,300
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(33)		(33)		(4)
Twelve months or more Unrealized Losses	0		0		(1)
Total Unrealized Losses	(33)		(33)		(5)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	4,820		4,820		1,894
Twelve months or more Fair Value	0		0		339
Total Fair Value	$ 4,820		$ 4,820		$ 2,233
Number of securities in unrealized loss positions, less than twelve months | Security	17		17		13
Number of securities in unrealized loss positions, twelve months or more | Security	0		0		3
Number of securities in unrealized loss positions | Security	17		17		16
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 14,360		$ 14,360		$ 8,198
Corporate [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	15,647		15,647		18,173
Gross Unrealized Gains, Debt investment securities	130		130		51
Gross Unrealized Losses, Debt investment securities	(71)		(71)		(96)
Available-for-sale Securities, Debt investment securities	15,706		15,706		18,128
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(71)		(71)		(57)
Twelve months or more Unrealized Losses	0		0		(39)
Total Unrealized Losses	(71)		(71)		(96)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	4,823		4,823		8,123
Twelve months or more Fair Value	0		0		2,820
Total Fair Value	$ 4,823		$ 4,823		$ 10,943
Number of securities in unrealized loss positions, less than twelve months | Security	3		3		10
Number of securities in unrealized loss positions, twelve months or more | Security	0		0		2
Number of securities in unrealized loss positions | Security	3		3		12
Percentage of securities remaining in unrealized loss positions, less than twelve months	2.18%		2.18%
Number of security rated at the lowest label investment grade | Security			3
Number of months securities is in a loss position			2 months
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 15,647		$ 15,647		$ 18,173
Residential Mortgage-Backed - US Agency [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	28,580		28,580		32,740
Gross Unrealized Gains, Debt investment securities	316		316		113
Gross Unrealized Losses, Debt investment securities	(16)		(16)		(280)
Available-for-sale Securities, Debt investment securities	$ 28,880		$ 28,880		32,573
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Number of securities in unrealized loss positions, less than twelve months | Security	2		2
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 28,580		$ 28,580		32,740
Asset Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	4,318		4,318
Gross Unrealized Gains, Debt investment securities	2		2
Gross Unrealized Losses, Debt investment securities	0		0
Available-for-sale Securities, Debt investment securities	4,320		4,320
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(16)		(16)		(148)
Twelve months or more Unrealized Losses	0		0		(132)
Total Unrealized Losses	(16)		(16)		(280)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	3,115		3,115		20,204
Twelve months or more Fair Value	0		0		4,812
Total Fair Value	$ 3,115		$ 3,115		$ 25,016
Number of securities in unrealized loss positions, less than twelve months | Security	2		2		14
Number of securities in unrealized loss positions, twelve months or more | Security	0		0		5
Number of securities in unrealized loss positions | Security	2		2		19
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 4,318		$ 4,318
Collateralized Mortgage Obligations - US Agency [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	46,185		46,185		$ 16,880
Gross Unrealized Gains, Debt investment securities	209		209		95
Gross Unrealized Losses, Debt investment securities	(189)		(189)		(142)
Available-for-sale Securities, Debt investment securities	46,205		46,205		16,833
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(164)		(164)		(80)
Twelve months or more Unrealized Losses	(25)		(25)		(62)
Total Unrealized Losses	(189)		(189)		(142)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	22,723		22,723		8,618
Twelve months or more Fair Value	2,740		2,740		1,789
Total Fair Value	$ 25,463		$ 25,463		$ 10,407
Number of securities in unrealized loss positions, less than twelve months | Security	14		14		6
Number of securities in unrealized loss positions, twelve months or more | Security	4		4		3
Number of securities in unrealized loss positions | Security	18		18		9
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 46,185		$ 46,185		$ 16,880
Collateralized Mortgage Obligations of Private Label [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	6,973		6,973		0
Gross Unrealized Gains, Debt investment securities	0		0		0
Gross Unrealized Losses, Debt investment securities	(37)		(37)		0
Available-for-sale Securities, Debt investment securities	6,936		6,936		0
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(37)		(37)		0
Twelve months or more Unrealized Losses	0		0		0
Total Unrealized Losses	(37)		(37)		0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	3,505		3,505		0
Twelve months or more Fair Value	0		0		0
Total Fair Value	$ 3,505		$ 3,505		$ 0
Number of securities in unrealized loss positions, less than twelve months | Security	3		3		0
Number of securities in unrealized loss positions, twelve months or more | Security	0		0		0
Number of securities in unrealized loss positions | Security	3		3		0
Percentage of securities remaining in unrealized loss positions, less than twelve months	1.42%		1.42%
Number of months securities is in a loss position			5 months
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 6,973		$ 6,973		$ 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	17		17
Number of months securities is in a loss position			7 months
Number of months held to maturity securities is in loss position			2 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	1.79%		1.79%
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	176		176		152
Gross Unrealized Losses, Equity investment securities	(12)		(12)		(5)
Available-for-sale Securities, Equity investment securities	1,926		1,926		1,800
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(12)		(12)		(5)
Twelve months or more Unrealized Losses	0		0		0
Total Unrealized Losses	(12)		(12)		(5)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	631		631		638
Twelve months or more Fair Value	0		0		0
Total Fair Value	$ 631		$ 631		$ 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	(12)		(12)		(5)
Available-for-sale Securities, Equity investment securities	631		631		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	163		163		127
Gross Unrealized Losses, Equity investment securities	0		0		0
Available-for-sale Securities, Equity investment securities	619		619		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	13		13		25
Gross Unrealized Losses, Equity investment securities	0		0		0
Available-for-sale Securities, Equity investment securities	676		676		579
US Treasury, Agencies and GSEs [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, debt maturities, Amortized Cost	4,924		4,924		7,860
Held to maturity, gross unrealized gains	133		133		81
Held to maturity, gross unrealized losses	0		0		(29)
Held-to-maturity Securities, Debt Maturities, Fair Value	5,057		5,057		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	$ 4,924		$ 4,924		$ 7,860
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity Securities, Debt Maturities, Fair Value	5,057		5,057		7,912
State and Political Subdivisions [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, debt maturities, Amortized Cost	24,784		24,784		21,585
Held to maturity, gross unrealized gains	1,015		1,015		881
Held to maturity, gross unrealized losses	(18)		(18)		0
Held-to-maturity Securities, Debt Maturities, Fair Value	25,781		25,781		22,466
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(18)		(18)
Total Unrealized Losses	(18)		(18)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	2,037		2,037
Total Fair Value	$ 2,037		$ 2,037
Number of securities in unrealized loss positions, less than twelve months | Security	2		2
Number of securities in unrealized loss positions | Security	2		2
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Held-to-maturity securities, debt maturities, Amortized Cost	$ 24,784		$ 24,784		21,585
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity Securities, Debt Maturities, Fair Value	25,781		25,781		22,466
Corporate [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, debt maturities, Amortized Cost	5,358		5,358		4,175
Held to maturity, gross unrealized gains	97		97		53
Held to maturity, gross unrealized losses	0		0		(3)
Held-to-maturity Securities, Debt Maturities, Fair Value	5,455		5,455		4,225
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	0		0		(3)
Twelve months or more Unrealized Losses	0		0		0
Total Unrealized Losses	0		0		(3)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	0		0		225
Twelve months or more Fair Value	0		0		0
Total Fair Value	$ 0		$ 0		$ 225
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	$ 5,358		$ 5,358		$ 4,175
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity Securities, Debt Maturities, Fair Value	5,455		5,455		4,225
Residential Mortgage-Backed - US Agency [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, debt maturities, Amortized Cost	6,767		6,767		7,763
Held to maturity, gross unrealized gains	293		293		137
Held to maturity, gross unrealized losses	0		0		(5)
Held-to-maturity Securities, Debt Maturities, Fair Value	7,060		7,060		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	$ 6,767		$ 6,767		$ 7,763
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity Securities, Debt Maturities, Fair Value	7,060		7,060		7,895
Collateralized Mortgage Obligations - US Agency [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, debt maturities, Amortized Cost	2,924		2,924		2,914
Held to maturity, gross unrealized gains	228		228		103
Held to maturity, gross unrealized losses	0		0		0
Held-to-maturity Securities, Debt Maturities, Fair Value	3,152		3,152		3,017
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Held-to-maturity securities, debt maturities, Amortized Cost	2,924		2,924		2,914
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity Securities, Debt Maturities, Fair Value	$ 3,152		$ 3,152		$ 3,017
Municipal Securities [Member]
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Number of securities in unrealized loss positions, less than twelve months | Security	2		2
Number of securities in unrealized loss positions | Security	2		2
Municipal Securities [Member] | Minimum [Member]
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Held-to-maturity Securities, Securities in insignificant Unrealized Loss Position	0.80%		0.80%
Municipal Securities [Member] | Maximum [Member]
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Held-to-maturity Securities, Securities in insignificant Unrealized Loss Position	1.03%		1.03%
Equity and Other Investments [Member]
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Number of securities in unrealized loss positions, less than twelve months | Security	1		1
Held-to-maturity Securities, Securities in insignificant Unrealized Loss Position	1.92%		1.92%

Pension and Postretirement Be33

Pension and Postretirement Benefits (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 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	348	351
Expected return on plan assets	(238)	(244)	(714)	(731)
Amortization of net losses	56	45	169	135
Net periodic benefit plan (benefit) cost	(66)	(82)	(197)	(245)
Postretirement Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Service cost	0	0	0	0
Interest cost	2	4	6	13
Expected return on plan assets	0	0	0	0
Amortization of net losses	(2)	0	(6)	0
Net periodic benefit plan (benefit) cost	$ 0	$ 4	$ 0	$ 13

Loans (Details)

Loans (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2016USD ($)Segment	Dec. 31, 2015USD ($)	Sep. 30, 2015USD ($)
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	$ 473,638	$ 430,586	$ 414,961
Net deferred loan fees	(215)	(148)
Less allowance for loan losses	(6,126)	(5,706)
Loans receivable, net	$ 467,297	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	$ 193,704		179,146
Real Estate [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	142,914		126,931
Other Commercial and Industrial [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	67,414		46,901
Home Equity and Junior Liens [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	24,186		22,850
Other Consumer [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	5,816		$ 4,807
Residential Mortgage Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	199,640	189,716
Residential mortgage loans pledged to FHLBNY as blanket collateral	136,700	125,800
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	193,704	181,792
Residential Mortgage Loans [Member] | Construction [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	5,936	7,924
Commercial Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	243,996	212,521
Commercial Loans [Member] | Real Estate [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	142,914	129,506
Commercial Loans [Member] | Lines of Credit [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	20,953	19,035
Commercial Loans [Member] | Other Commercial and Industrial [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	67,414	54,899
Commercial Loans [Member] | Tax Exempt Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	12,715	9,081
Consumer Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	30,002	28,349
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	24,186	23,463
Consumer Loans [Member] | Other Consumer [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	$ 5,816	$ 4,886

Loans, Credit Quality Indicator

Loans, Credit Quality Indicator Details (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015	Sep. 30, 2015
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 473,638	$ 430,586	$ 414,961
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	460,490	414,050
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	4,147	8,250
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	7,635	7,317
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,366	969
1-4 Family First Lien Residential Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	193,704		179,146
Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	142,914		126,931
Other Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	67,414		46,901
Home Equity and Junior Liens [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	24,186		22,850
Other Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,816		$ 4,807
Residential Mortgage Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	199,640	189,716
Residential Mortgage Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	196,140	185,168
Residential Mortgage Loans [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	796	1,375
Residential Mortgage Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,540	2,425
Residential Mortgage Loans [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,164	748
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	193,704	181,792
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	190,204	177,244
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	796	1,375
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,540	2,425
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,164	748
Residential Mortgage Loans [Member] | Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,936	7,924
Residential Mortgage Loans [Member] | Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,936	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	243,996	212,521
Commercial Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	234,922	201,262
Commercial Loans [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	3,248	6,662
Commercial Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,821	4,590
Commercial Loans [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5	7
Commercial Loans [Member] | Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	142,914	129,506
Commercial Loans [Member] | Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	135,670	121,283
Commercial Loans [Member] | Real Estate [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	2,158	4,345
Commercial Loans [Member] | Real Estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,086	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	20,953	19,035
Commercial Loans [Member] | Lines of Credit [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	19,964	17,358
Commercial Loans [Member] | Lines of Credit [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	574	1,469
Commercial Loans [Member] | Lines of Credit [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	415	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	67,414	54,899
Commercial Loans [Member] | Other Commercial and Industrial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	66,573	53,540
Commercial Loans [Member] | Other Commercial and Industrial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	516	848
Commercial Loans [Member] | Other Commercial and Industrial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	320	504
Commercial Loans [Member] | Other Commercial and Industrial [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5	7
Commercial Loans [Member] | Tax Exempt Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	12,715	9,081
Commercial Loans [Member] | Tax Exempt Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	12,715	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	30,002	28,349
Consumer Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	29,428	27,620
Consumer Loans [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	103	213
Consumer Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	274	302
Consumer Loans [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	197	214
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	24,186	23,463
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	23,725	22,780
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	98	182
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	210	287
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	153	214
Consumer Loans [Member] | Other Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,816	4,886
Consumer Loans [Member] | Other Consumer [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,703	4,840
Consumer Loans [Member] | Other Consumer [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5	31
Consumer Loans [Member] | Other Consumer [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	64	15
Consumer Loans [Member] | Other Consumer [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 44	$ 0

Loans, Non-Accrual And Past Due

Loans, Non-Accrual And Past Due Loans (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016USD ($)Loan	Sep. 30, 2015USD ($)Loan	Sep. 30, 2016USD ($)Loan	Sep. 30, 2015USD ($)Loan	Dec. 31, 2015USD ($)
Recorded Investment, Past Due [Line Items]
Total Past Due	$ 8,438		$ 8,438		$ 8,872
Current	465,200		465,200		421,714
Total Loans Receivable	473,638	$ 414,961	473,638	$ 414,961	430,586
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	$ 3,889		$ 3,889		5,318
Number of contracts, TDRs | Loan	0	0
Number of contracts, TDR payment default | Loan			0	0
Troubled Debt Restructuring, Modified [Abstract]
Number of loans | Loan	0	0
30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	$ 3,332		$ 3,332		2,380
60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,217		1,217		1,174
90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	3,889		3,889		5,318
1-4 Family First Lien Residential Mortgage [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	193,704	$ 179,146	193,704	$ 179,146
Real Estate [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	142,914	126,931	142,914	126,931
Other Commercial and Industrial [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	67,414	46,901	67,414	46,901
Home Equity and Junior Liens [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	24,186	22,850	24,186	22,850
Other Consumer [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	5,816	$ 4,807	5,816	$ 4,807
Commercial Real Estate Loans [Member]
Nonaccrual loans, Segregated by class of loans [Abstract]
Number of contracts, TDRs | Loan				1
Troubled Debt Restructuring, Modified [Abstract]
Number of loans | Loan				1
Pre-modification outstanding recorded investment				$ 678
Post-modification outstanding recorded investment				324
Additional provision for loan losses				$ 354
Residential Mortgage Loans [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	4,228		4,228		3,638
Current	195,412		195,412		186,078
Total Loans Receivable	199,640		199,640		189,716
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	1,335		$ 1,335		1,715
Number of contracts, TDRs | Loan			2	2
Troubled Debt Restructuring, Modified [Abstract]
Number of loans | Loan			2	2
Pre-modification outstanding recorded investment			$ 97	$ 69
Post-modification outstanding recorded investment			100	79
Additional provision for loan losses			0	$ 0
Residential Mortgage Loans [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	2,182		2,182		1,115
Residential Mortgage Loans [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	711		711		808
Residential Mortgage Loans [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,335		1,335		1,715
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	4,228		4,228		3,638
Current	189,476		189,476		178,154
Total Loans Receivable	193,704		193,704		181,792
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	1,335		1,335		1,715
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	2,182		2,182		1,115
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	711		711		808
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	1,335		1,335		1,715
Residential Mortgage Loans [Member] | Construction [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0		0		0
Current	5,936		5,936		7,924
Total Loans Receivable	5,936		5,936		7,924
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	3,697		3,697		4,708
Current	240,299		240,299		207,813
Total Loans Receivable	243,996		243,996		212,521
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	2,153		2,153		3,238
Commercial Loans [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,049		1,049		1,119
Commercial Loans [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	495		495		351
Commercial Loans [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	2,153		2,153		3,238
Commercial Loans [Member] | Real Estate [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	2,988		2,988		3,769
Current	139,926		139,926		125,737
Total Loans Receivable	142,914		142,914		129,506
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	1,889		1,889		2,694
Commercial Loans [Member] | Real Estate [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	604		604		940
Commercial Loans [Member] | Real Estate [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	495		495		135
Commercial Loans [Member] | Real Estate [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,889		1,889		2,694
Commercial Loans [Member] | Lines of Credit [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0		0		194
Current	20,953		20,953		18,841
Total Loans Receivable	20,953		20,953		19,035
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	0		0		174
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
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	0		0		174
Commercial Loans [Member] | Other Commercial and Industrial [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	709		709		745
Current	66,705		66,705		54,154
Total Loans Receivable	67,414		67,414		54,899
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	264		264		370
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	445		445		159
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	0		0		216
Commercial Loans [Member] | Other Commercial and Industrial [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	264		264		370
Commercial Loans [Member] | Tax Exempt Loans [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0		0		0
Current	12,715		12,715		9,081
Total Loans Receivable	12,715		12,715		9,081
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	513		513		526
Current	29,489		29,489		27,823
Total Loans Receivable	30,002		30,002		28,349
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	401		401		365
Consumer Loans [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	101		101		146
Consumer Loans [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	11		11		15
Consumer Loans [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	401		401		365
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	421		421		492
Current	23,765		23,765		22,971
Total Loans Receivable	24,186		24,186		23,463
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	345		345		360
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	76		76		132
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	0		0		0
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	345		345		360
Consumer Loans [Member] | Other Consumer [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	92		92		34
Current	5,724		5,724		4,852
Total Loans Receivable	5,816		5,816		4,886
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	56		56		5
Consumer Loans [Member] | Other Consumer [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	25		25		14
Consumer Loans [Member] | Other Consumer [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	11		11		15
Consumer Loans [Member] | Other Consumer [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	$ 56		$ 56		$ 5

Loans - Impaired Loans (Details

Loans - Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015	Dec. 31, 2015
Total [Abstract]
Recorded Investment	$ 5,357		$ 5,357		$ 6,535
Unpaid Principal Balance	5,611		5,611		6,840
Related Allowance	1,024		1,024		960
Average recorded investment [Abstract]
Total	5,732	$ 7,021	6,142	$ 7,177
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Total	51	27	140	115
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgage [Member]
With no related allowance recorded [Abstract]
Recorded Investment	467		467		473
Unpaid Principal Balance	467		467		473
With an allowance recorded [Abstract]
Recorded Investment	129		129		0
Unpaid Principal Balance	143		143		0
Total [Abstract]
Recorded Investment	596		596		473
Unpaid Principal Balance	610		610		473
Related Allowance	37		37		0
Average recorded investment [Abstract]
Total	598	477	568	720
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Total	7	4	19	13
Commercial Loans [Member] | Commercial Real Estate [Member]
With no related allowance recorded [Abstract]
Recorded Investment	1,648		1,648		2,580
Unpaid Principal Balance	1,738		1,738		2,709
With an allowance recorded [Abstract]
Recorded Investment	1,877		1,877		1,850
Unpaid Principal Balance	2,008		2,008		1,963
Total [Abstract]
Recorded Investment	3,525		3,525		4,430
Unpaid Principal Balance	3,746		3,746		4,672
Related Allowance	835		835		760
Average recorded investment [Abstract]
Total	3,884	4,669	4,138	4,820
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Total	22	21	74	71
Commercial Loans [Member] | Commercial Lines of Credit [Member]
With no related allowance recorded [Abstract]
Recorded Investment	409		409		574
Unpaid Principal Balance	409		409		597
With an allowance recorded [Abstract]
Recorded Investment	5		5		5
Unpaid Principal Balance	5		5		5
Total [Abstract]
Recorded Investment	414		414		579
Unpaid Principal Balance	414		414		602
Related Allowance	5		5		5
Average recorded investment [Abstract]
Total	414	635	499	505
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Total	1	(3)	1	4
Commercial Loans [Member] | Other Commercial and Industrial [Member]
With no related allowance recorded [Abstract]
Recorded Investment	371		371		536
Unpaid Principal Balance	371		371		569
With an allowance recorded [Abstract]
Recorded Investment	172		172		224
Unpaid Principal Balance	189		189		230
Total [Abstract]
Recorded Investment	543		543		760
Unpaid Principal Balance	560		560		799
Related Allowance	141		141		193
Average recorded investment [Abstract]
Total	552	941	649	813
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Total	19	5	40	23
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
With no related allowance recorded [Abstract]
Recorded Investment	272		272		187
Unpaid Principal Balance	272		272		187
With an allowance recorded [Abstract]
Recorded Investment	6		6		101
Unpaid Principal Balance	7		7		101
Total [Abstract]
Recorded Investment	278		278		288
Unpaid Principal Balance	279		279		288
Related Allowance	6		6		2
Average recorded investment [Abstract]
Total	282	292	285	310
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Total	2	0	6	4
Consumer Loans [Member] | Other Consumer [Member]
With no related allowance recorded [Abstract]
Recorded Investment	1		1		5
Unpaid Principal Balance	2		2		6
With an allowance recorded [Abstract]
Recorded Investment	0		0		0
Unpaid Principal Balance	0		0		0
Total [Abstract]
Recorded Investment	1		1		5
Unpaid Principal Balance	2		2		6
Related Allowance	0		0		$ 0
Average recorded investment [Abstract]
Total	2	7	3	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		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015	Dec. 31, 2015
Allowance for loan losses [Roll Forward]
Beginning Balance	$ 5,930	$ 5,900	$ 5,706	$ 5,349
Charge-offs	(159)	(405)	(340)	(749)
Recoveries	33	17	78	128
Provisions	322	220	682	1,004
Ending balance	6,126	5,732	6,126	5,732
Ending balance: related to loans individually evaluated for impairment	1,024	1,038	1,024	1,038
Ending balance: related to loans collectively evaluated for impairment	5,102	4,694	5,102	4,694
Total Loans Receivable	473,638	414,961	473,638	414,961	$ 430,586
Ending balance: individually evaluated for impairment	5,357	6,881	5,357	6,881
Ending balance: collectively evaluated for impairment	468,281	408,080	468,281	408,080
1-4 Family First Lien Residential Mortgage [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	627	544	581	509
Charge-offs	(114)	(21)	(144)	(186)
Recoveries	1	2	2	40
Provisions	119	(13)	194	149
Ending balance	633	512	633	512
Ending balance: related to loans individually evaluated for impairment	37	0	37	0
Ending balance: related to loans collectively evaluated for impairment	596	512	596	512
Total Loans Receivable	193,704	179,146	193,704	179,146
Ending balance: individually evaluated for impairment	596	476	596	476
Ending balance: collectively evaluated for impairment	193,108	178,670	193,108	178,670
Constructions [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance			0
Charge-offs			0
Recoveries			0
Provisions			0
Ending balance	0		0
Residential Construction Mortgage [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	0	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
Total Loans Receivable	5,936	6,804	5,936	6,804
Ending balance: individually evaluated for impairment	0	0	0	0
Ending balance: collectively evaluated for impairment	5,936	6,804	5,936	6,804
Commercial Real Estate [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	3,071	3,288	2,983	2,801
Charge-offs	0	(195)	0	(224)
Recoveries	7	0	7	0
Provisions	203	(62)	291	454
Ending balance	3,281	3,031	3,281	3,031
Ending balance: related to loans individually evaluated for impairment	835	826	835	826
Ending balance: related to loans collectively evaluated for impairment	2,446	2,205	2,446	2,205
Total Loans Receivable	142,914	126,931	142,914	126,931
Ending balance: individually evaluated for impairment	3,525	4,522	3,525	4,522
Ending balance: collectively evaluated for impairment	139,389	122,409	139,389	122,409
Commercial Lines of Credit [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	405	517	401	460
Charge-offs	0	(150)	(43)	(160)
Recoveries	1	0	10	36
Provisions	(22)	3	16	34
Ending balance	384	370	384	370
Ending balance: related to loans individually evaluated for impairment	5	0	5	0
Ending balance: related to loans collectively evaluated for impairment	379	370	379	370
Total Loans Receivable	20,953	18,327	20,953	18,327
Ending balance: individually evaluated for impairment	414	657	414	657
Ending balance: collectively evaluated for impairment	20,539	17,670	20,539	17,670
Other Commercial and Industrial [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	1,241	1,110	1,270	1,034
Charge-offs	0	0	0	(108)
Recoveries	5	2	12	7
Provisions	67	(55)	31	124
Ending balance	1,313	1,057	1,313	1,057
Ending balance: related to loans individually evaluated for impairment	141	209	141	209
Ending balance: related to loans collectively evaluated for impairment	1,172	848	1,172	848
Total Loans Receivable	67,414	46,901	67,414	46,901
Ending balance: individually evaluated for impairment	543	929	543	929
Ending balance: collectively evaluated for impairment	66,871	45,972	66,871	45,972
Municipal [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	1	5
Charge-offs	0	0
Recoveries	0	0
Provisions	2	(1)
Ending balance	3	4	3	4
Ending balance: related to loans individually evaluated for impairment	0	0	0	0
Ending balance: related to loans collectively evaluated for impairment	3	4	3	4
Total Loans Receivable	12,715	9,195	12,715	9,195
Ending balance: individually evaluated for impairment	0	0	0	0
Ending balance: collectively evaluated for impairment	12,715	9,195	12,715	9,195
Tax Exempt [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance			3	3
Charge-offs			0	0
Recoveries			0	0
Provisions			0	1
Ending balance	3	4	3	4
Home Equity and Junior Liens [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	350	331	350	388
Charge-offs	(26)	(11)	(115)	(11)
Recoveries	6	1	9	8
Provisions	27	7	113	(57)
Ending balance	357	328	357	328
Ending balance: related to loans individually evaluated for impairment	6	3	6	3
Ending balance: related to loans collectively evaluated for impairment	351	325	351	325
Total Loans Receivable	24,186	22,850	24,186	22,850
Ending balance: individually evaluated for impairment	278	290	278	290
Ending balance: collectively evaluated for impairment	23,908	22,560	23,908	22,560
Other Consumer [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	147	105	118	98
Charge-offs	(19)	(28)	(38)	(60)
Recoveries	13	12	38	37
Provisions	14	18	37	32
Ending balance	155	107	155	107
Ending balance: related to loans individually evaluated for impairment	0	0	0	0
Ending balance: related to loans collectively evaluated for impairment	155	107	155	107
Total Loans Receivable	5,816	4,807	5,816	4,807
Ending balance: individually evaluated for impairment	1	7	1	7
Ending balance: collectively evaluated for impairment	5,815	4,800	5,815	4,800
Unallocated [Member]
Allowance for loan losses [Roll Forward]
Beginning Balance	88	0	0	56
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provisions	(88)	323	0	267
Ending balance	0	323	0	323
Ending balance: related to loans individually evaluated for impairment	0	0	0	0
Ending balance: related to loans collectively evaluated for impairment	$ 0	$ 323	$ 0	$ 323

Allowance for Loan Losses, Basi

Allowance for Loan Losses, Basis of Calculation Methodology (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Jun. 30, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Dec. 31, 2014
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]
Specifically reserved	$ 1,024		$ 960
Historical loss rate	313		321
Qualitative factors	4,789		4,425
Total	6,126	$ 5,930	5,706	$ 5,732	$ 5,900	$ 5,349
1-4 Family First Lien Residential Mortgage [Member]
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]
Specifically reserved	37		0
Historical loss rate	79		70
Qualitative factors	517		511
Total	633	627	581	512	544	509
Residential Construction Mortgage [Member]
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]
Specifically reserved	0		0
Historical loss rate	0		0
Qualitative factors	0		0
Total	0	0	0	0	0	0
Commercial Real Estate [Member]
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]
Specifically reserved	835		760
Historical loss rate	84		97
Qualitative factors	2,362		2,126
Total	3,281	3,071	2,983	3,031	3,288	2,801
Commercial Lines of Credit [Member]
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]
Specifically reserved	5		5
Historical loss rate	40		49
Qualitative factors	339		347
Total	384	405	401	370	517	460
Other Commercial and Industrial [Member]
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]
Specifically reserved	141		193
Historical loss rate	52		54
Qualitative factors	1,120		1,023
Total	1,313	1,241	1,270	1,057	1,110	1,034
Tax Exempt [Member]
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]
Specifically reserved	0		0
Historical loss rate	0		0
Qualitative factors	3		3
Total	3		3	4		3
Home Equity and Junior Liens [Member]
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]
Specifically reserved	6		2
Historical loss rate	35		26
Qualitative factors	316		322
Total	357	350	350	328	331	388
Other Consumer [Member]
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]
Specifically reserved	0		0
Historical loss rate	23		25
Qualitative factors	132		93
Total	155	147	118	107	105	98
Unallocated [Member]
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]
Specifically reserved	0		0
Historical loss rate	0		0
Qualitative factors	0		0
Total	$ 0	$ 88	$ 0	$ 323	$ 0	$ 56

Foreclosed Real Estate (Details

Foreclosed Real Estate (Details)	Sep. 30, 2016USD ($)Property	Dec. 31, 2015USD ($)Property
Real Estate Properties [Line Items]
Foreclosed real estate	$ 655,000	$ 517,000
Residential real estate loans in the process of foreclosure	$ 665,000
Foreclosed Residential Real Estate [Member]
Real Estate Properties [Line Items]
Number of properties | Property	8	2
Foreclosed real estate	$ 320,000	$ 182,000

Guarantees (Details)

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

Fair Value Measurements (Detail

Fair Value Measurements (Details) - USD ($)	3 Months Ended			9 Months Ended
	Sep. 30, 2016	Jun. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Dec. 31, 2015
Common Stock - Financial Services Industry [Member]
Fair Value, Assets and Liabilities Measured on Recurring Basis [Roll Forward]
Balance at beginning of period	$ 443,000			$ 313,000
Total gains realized/unrealized included in earnings	0			0
Total gains realized/unrealized included in other comprehensive income	13,000			13,000
Settlements	0			130,000
Sales	0			0
Balance at end of period	456,000	$ 443,000		456,000
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	$ 313,000
Recurring Basis [Member] | Total Fair Value [Member]
Debt investment securities [Abstract]
US Treasury, agencies and GSEs	19,270,000			19,270,000	$ 21,308,000
State and political subdivisions	14,474,000			14,474,000	8,300,000
Corporate	15,706,000			15,706,000	18,128,000
Asset backed securities	4,320,000			4,320,000
Residential mortgage-backed - US agency	28,880,000			28,880,000	32,573,000
Collateralized mortgage obligations - US agency	46,205,000			46,205,000	16,833,000
Collateralized mortgage obligations - Private label	6,936,000			6,936,000	0
Mutual funds [Abstract]
Ultra short mortgage fund	631,000			631,000	638,000
Large cap equity fund	619,000			619,000	583,000
Common stock - Financial services industry	676,000			676,000	579,000
Total available-for-sale securities	137,717,000			137,717,000	98,942,000
Interest rate swap derivative	0			0	(27,000)
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	631,000			631,000	638,000
Large cap equity fund	619,000			619,000	583,000
Common stock - Financial services industry	0			0	46,000
Total available-for-sale securities	1,250,000			1,250,000	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	19,270,000			19,270,000	21,308,000
State and political subdivisions	14,474,000			14,474,000	8,300,000
Corporate	15,706,000			15,706,000	18,128,000
Asset backed securities	4,320,000			4,320,000
Residential mortgage-backed - US agency	28,880,000			28,880,000	32,573,000
Collateralized mortgage obligations - US agency	46,205,000			46,205,000	16,833,000
Collateralized mortgage obligations - Private label	6,936,000			6,936,000	0
Mutual funds [Abstract]
Ultra short mortgage fund	0			0	0
Large cap equity fund	0			0	0
Common stock - Financial services industry	220,000			220,000	220,000
Total available-for-sale securities	136,011,000			136,011,000	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
Common stock - Financial services industry	456,000			456,000	313,000
Total available-for-sale securities	456,000			456,000	313,000
Interest rate swap derivative	0			0	0
Nonrecurring Basis [Member] | Total Fair Value [Member]
Nonrecurring basis [Abstract]
Impaired loans	444,000			444,000	1,070,000
Foreclosed real estate	320,000			320,000	360,000
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	444,000			444,000	1,070,000
Foreclosed real estate	$ 320,000			$ 320,000	$ 360,000

Fair Value Measurements, Fair V

Fair Value Measurements, Fair Value Inputs, Quantitative Information (Details) - Level 3 [Member] - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2016	Dec. 31, 2015
Comparable Companies [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Common Stock - Financial Services Industry	$ 456	$ 313
Weight ascribed to comparable companies	100.00%	100.00%
Impaired Loans [Member] | Appraisal of Collateral - Appraisal Adjustments [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs, discount rate	5.00%	5.00%
Impaired Loans [Member] | Appraisal of Collateral - Appraisal Adjustments [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs, discount rate	10.00%	10.00%
Impaired Loans [Member] | Appraisal of Collateral - Appraisal Adjustments [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs, discount rate	5.00%	8.00%
Impaired Loans [Member] | Appraisal of Collateral - Cost to Sell [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs, discount rate	7.00%	8.00%
Impaired Loans [Member] | Appraisal of Collateral - Cost to Sell [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs, discount rate	13.00%	15.00%
Impaired Loans [Member] | Appraisal of Collateral - Cost to Sell [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs, discount rate	11.00%	14.00%
Foreclosed Real Estate [Member] | Appraisal of Collateral - Appraisal Adjustments [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 of Collateral - Appraisal Adjustments [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 of Collateral - Appraisal Adjustments [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 of Collateral - Cost to Sell [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 of Collateral - Cost to Sell [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 of Collateral - Cost to Sell [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs, discount rate	7.00%	7.00%

Fair Value Measurements, Fair44

Fair Value Measurements, Fair Value Measurement By Balance Sheet Groupings (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Financial assets [Abstract]
Investment securities - available-for-sale	$ 137,717	$ 98,942
Investment securities - held-to-maturity	46,505	45,515
Carrying Amounts [Member] | Level 1 [Member]
Financial assets [Abstract]
Cash and cash equivalents	23,663	15,245
Investment securities - available-for-sale	1,250	1,267
Accrued interest receivable	2,316	2,053
Financial liabilities [Abstract]
Demand Deposits, Savings, NOW and MMDA	405,694	343,853
Accrued interest payable	76	199
Carrying Amounts [Member] | Level 2 [Member]
Financial assets [Abstract]
Investment securities - available-for-sale	136,011	97,362
Investment securities - held-to-maturity	44,757	44,297
Federal Home Loan Bank stock	4,290	2,424
Financial liabilities [Abstract]
Time Deposits	149,431	146,462
Borrowings	82,100	41,300
Subordinated loans	15,016	14,991
Interest rate swap derivative	0	27
Carrying Amounts [Member] | Level 3 [Member]
Financial assets [Abstract]
Investment securities - available-for-sale	456	313
Net loans	467,297	424,732
Estimated Fair Values [Member] | Level 1 [Member]
Financial assets [Abstract]
Cash and cash equivalents	23,663	15,245
Investment securities - available-for-sale	1,250	1,267
Accrued interest receivable	2,316	2,053
Financial liabilities [Abstract]
Demand Deposits, Savings, NOW and MMDA	405,694	343,853
Accrued interest payable	76	199
Estimated Fair Values [Member] | Level 2 [Member]
Financial assets [Abstract]
Investment securities - available-for-sale	136,011	97,362
Investment securities - held-to-maturity	46,505	45,515
Federal Home Loan Bank stock	4,290	2,424
Financial liabilities [Abstract]
Time Deposits	150,283	146,158
Borrowings	82,243	41,282
Subordinated loans	13,991	14,027
Interest rate swap derivative	0	27
Estimated Fair Values [Member] | Level 3 [Member]
Financial assets [Abstract]
Investment securities - available-for-sale	456	313
Net loans	$ 473,613	$ 428,410

Interest Rate Derivatives (Deta

Interest Rate Derivatives (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 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	$ 0	$ (57)	$ (27)	$ (82)
Amount of losses (gains) recognized in other comprehensive income	0	(2)	2	(8)
Amount of loss reclassified from other comprehensive income and recognized as interest expense	0	15	25	46
Balance as of end of period	0	$ (44)	0	$ (44)
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 Comprehensi46

Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 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		$ 8	$ 375	380	163
Amounts reclassified from AOCI		35	(16)	243	(4)
Balance		59,274	71,180	59,274	71,180
Interest on long term borrowings		(61)	(62)	(204)	(189)
Salaries and employee benefits		(2,688)	(2,478)	(8,026)	(7,216)
Net gains on sales and redemptions of investment securities		4	88	216	188
Provision for income taxes		(322)	(316)	(820)	(829)
Net income attributable to Pathfinder Bancorp Inc.		820	885	2,313	2,108
AOCI Attributable to Parent [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Balance		(1,985)	(2,319)	(2,565)	(2,119)
Balance		(1,942)	(1,960)	(1,942)	(1,960)
Retirement Plans [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Balance		(1,779)	(1,740)	(1,844)	(1,794)
Other comprehensive (loss) income before reclassifications		0	0	0	0
Amounts reclassified from AOCI		33	27	98	81
Balance		(1,746)	(1,713)	(1,746)	(1,713)
Unrealized Gains and Losses on Financial Derivative [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Balance		0	(34)	(16)	(49)
Other comprehensive (loss) income before reclassifications		0	(1)	1	(5)
Amounts reclassified from AOCI		0	9	15	28
Balance		0	(26)	0	(26)
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		406	149	(51)	457
Other comprehensive (loss) income before reclassifications		(39)	356	290	109
Amounts reclassified from AOCI		2	(52)	130	(113)
Balance		369	453	369	453
Unrealized Loss on Securities Transferred to Held-to-Maturity [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Balance		(612)	(694)	(654)	(733)
Other comprehensive (loss) income before reclassifications		47	20	89	59
Amounts reclassified from AOCI		0	0	0	0
Balance		(565)	(674)	(565)	(674)
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)	(163)	(135)
Provision for income taxes	[1],[2]	22	18	65	54
Net income attributable to Pathfinder Bancorp Inc.	[1],[2]	(32)	(27)	(98)	(81)
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]	0	(15)	(25)	(46)
Provision for income taxes	[1]	0	6	10	18
Net income attributable to Pathfinder Bancorp Inc.	[1]	0	(9)	(15)	(28)
Reclassification out of Accumulated Other Comprehensive Income [Member] | Unrealized Gains and Losses on Available-for-Sale Securities [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Net gains on sales and redemptions of investment securities	[1]	(4)	88	(216)	188
Provision for income taxes	[1]	1	(36)	86	(75)
Net income attributable to Pathfinder Bancorp Inc.	[1]	$ (3)	$ 52	$ (130)	$ 113
[1]	Amounts in parentheses indicates debits in net income.
[2]	These items are included in net periodic pension cost.