Franklin Financial Services (FRAF) 10-Q 8 Nov 19 2019 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2019	Oct. 31, 2019
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2019
Document Fiscal Period Focus	Q3
Document Fiscal Year Focus	2019
Entity Registrant Name	FRANKLIN FINANCIAL SERVICES CORP /PA/
Entity Central Index Key	0000723646
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		4,345,257
Entity Current Reporting Status	Yes
Title of 12(b) Security	Common stock
Trading Symbol	FRAF
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 21,116	$ 16,957
Short-term interest-bearing deposits in other banks	129,018	36,000
Total cash and cash equivalents	150,134	52,957
Long-term interest-bearing deposits in other banks	9,496
Debt securities available for sale, at fair value	147,328	131,472
Equity securities	384	374
Restricted stock	465	452
Loans held for sale	1,929	118
Loans	937,215	973,375
Allowance for loan losses	(12,182)	(12,415)
Net Loans	925,033	960,960
Premises and equipment, net	13,186	13,521
Right-of-use asset	5,515
Bank owned life insurance	23,878	23,496
Goodwill	9,016	9,016
Other real estate owned	2,693	2,684
Deferred tax asset, net	5,369	5,992
Other assets	7,347	8,545
Total assets	1,301,773	1,209,587
Deposits
Non-interest bearing checking	209,503	197,417
Money management, savings and interest checking	860,925	823,619
Time	89,173	61,593
Total deposits	1,159,601	1,082,629
Lease liability	5,543
Other liabilities	10,529	8,562
Total liabilities	1,175,673	1,091,191
Commitments and contingent liabilities
Shareholders' equity
Common stock, $1 par value per share,15,000,000 shares authorized with 4,708,549 shares issued and 4,344,315 shares outstanding at September 30, 2019 and 4,701,367 shares issued and 4,408,761 shares outstanding at December 31, 2018	4,709	4,701
Capital stock without par value, 5,000,000 shares authorized with no shares issued and outstanding
Additional paid-in capital	42,149	41,530
Retained earnings	91,855	83,946
Accumulated other comprehensive loss	(4,035)	(6,380)
Treasury stock, 364,234 shares at September 30, 2019 and 292,606 shares at December 31, 2018, at cost	(8,578)	(5,401)
Total shareholders' equity	126,100	118,396
Total liabilities and shareholders' equity	$ 1,301,773	$ 1,209,587

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Sep. 30, 2019	Dec. 31, 2018
Consolidated Balance Sheets [Abstract]
Common Stock, Par or Stated Value Per Share	$ 1	$ 1
Common Stock, Shares Authorized	15,000,000	15,000,000
Common Stock, Shares, Issued	4,708,549	4,701,367
Common Stock, Shares, Outstanding	4,344,315	4,408,761
Capital Stock, Shares Authorized	5,000,000	5,000,000
Capital Stock, Shares, Issued	0	0
Capital Stock, Shares, Outstanding	0	0
Treasury Stock, Shares	364,234	292,606

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Interest income
Loans, including fees	$ 11,184	$ 10,565	$ 33,318	$ 30,268
Interest and dividends on investments:
Taxable interest	695	507	1,809	1,548
Tax exempt interest	200	293	819	862
Dividend income	5	4	21	15
Deposits and obligations of other banks	638	108	1,137	326
Total interest income	12,722	11,477	37,104	33,019
Interest expense
Deposits	1,887	1,101	5,343	2,847
Short-term borrowings		21	36	24
Total interest expense	1,887	1,122	5,379	2,871
Net interest income	10,835	10,355	31,725	30,148
Provision for loan losses	(162)	250	237	9,579
Net interest income after provision for loan losses	10,997	10,105	31,488	20,569
Noninterest income
Investment and trust services fees	1,482	1,424	4,582	4,285
Loan service charges	238	191	670	640
Deposit service charges and fees	632	578	1,781	1,726
Other service charges and fees	401	357	1,135	1,043
Debit card income	469	422	1,335	1,224
Increase in cash surrender value of life insurance	127	129	383	386
Other real estate owned gains, net	9		9
OTTI gains on securities			(48,900)
Net gains on sales of debt securities	3	5	256	56
Change in fair value of equity securities	(6)	(20)	10	18
Other	123	34	181	111
Total noninterest income	3,478	3,120	10,342	9,489
Noninterest Expense
Salaries and employee benefits	5,419	4,947	16,216	15,029
Net occupancy	831	780	2,545	2,383
Marketing and advertising	324	345	1,207	1,113
Legal and professional	409	436	1,310	1,207
Data processing	693	591	2,135	1,791
Pennsylvania bank shares tax	248	239	734	712
FDIC Insurance	(76)
FDIC Insurance		159	104	452
ATM/debit card processing	256	258	761	734
Foreclosed real estate	24	(8)	29	46
Telecommunications	106	95	318	327
Provision for credit losses on off-balance sheet exposures				2,361
Other	757	729	2,651	2,253
Total noninterest expense	8,991	8,571	28,010	28,408
Income before federal income taxes	5,484	4,654	13,820	1,650
Federal income tax expense (benefit)	985	654	2,100	(671)
Net income	$ 4,499	$ 4,000	$ 11,720	$ 2,321
Per share
Basic earnings per share	$ 1.04	$ 0.91	$ 2.67	$ 0.53
Diluted earnings per share	1.03	0.91	2.66	0.53
Cash dividends declared	$ 0.30	$ 0.27	$ 0.87	$ 0.78

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Consolidated Statements Of Comprehensive Income [Abstract]
Net income	$ 4,499	$ 4,000	$ 11,720	$ 2,321
Debt Securities:
Unrealized gains (losses) arising during the period	589	(638)	3,223	(1,974)
Reclassification adjustment for (gains) losses included in net income	(3)	(5)	(256)	(56)
Net unrealized gains (losses)	586	(643)	2,967	(2,030)
Tax effect	(123)	135	(622)	469
Net of tax amount	463	(508)	2,345	(1,561)
Total other comprehensive income (loss)	463	(508)	2,345	(1,561)
Total Comprehensive Income (loss)	$ 4,962	$ 3,492	$ 14,065	$ 760

Consolidated Statements Of Co_2

Consolidated Statements Of Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Consolidated Statements Of Comprehensive Income [Abstract]
Reclassification to Federal income tax expense (benefit)	$ 1	$ 1	$ 54	$ 12

Consolidated Statements Of Chan

Consolidated Statements Of Changes In Shareholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Loss [Member]	Treasury Stock [Member]	Total
Balance at Dec. 31, 2017	$ 4,689	$ 40,396	$ 82,218	$ (6,028)	$ (6,131)	$ 115,144
Cumulative adjustment for fair value of equity securities			201	(201)
Net income (loss)			2,321			2,321
Other comprehensive income (loss)				(1,561)		(1,561)
Cash dividends declared			(3,410)			(3,410)
Acquisition of treasury stock					(88)	(88)
Treasury shares issued under employee stock purchase plan		34			54	88
Treasury shares issued under dividend reinvestment plan		513			572	1,085
Incentive stock options exercised	12	252				264
Stock option compensation expense		185				185
Balance at Sep. 30, 2018	4,701	41,380	81,330	(7,790)	(5,593)	114,028
Balance at Jun. 30, 2018	4,700	41,079	78,514	(7,282)	(5,839)	111,172
Net income (loss)			4,000			4,000
Other comprehensive income (loss)				(508)		(508)
Cash dividends declared			(1,184)			(1,184)
Treasury shares issued under employee stock purchase plan		5			7	12
Treasury shares issued under dividend reinvestment plan		210			239	449
Incentive stock options exercised	1	24				25
Stock option compensation expense		62				62
Balance at Sep. 30, 2018	4,701	41,380	81,330	(7,790)	(5,593)	114,028
Balance at Dec. 31, 2018	4,701	41,530	83,946	(6,380)	(5,401)	118,396
Net income (loss)			11,720			11,720
Other comprehensive income (loss)				2,345		2,345
Cash dividends declared			(3,811)			(3,811)
Acquisition of treasury stock					(3,843)	(3,843)
Treasury shares issued under employee stock purchase plan		27			47	74
Treasury shares issued under dividend reinvestment plan		438			619	1,057
Incentive stock options exercised	8	154				162
Balance at Sep. 30, 2019	4,709	42,149	91,855	(4,035)	(8,578)	126,100
Balance at Jun. 30, 2019	4,708	42,040	88,658	(4,498)	(6,994)	123,914
Net income (loss)			4,499			4,499
Other comprehensive income (loss)				463		463
Cash dividends declared			(1,302)			(1,302)
Acquisition of treasury stock					(1,816)	(1,816)
Treasury shares issued under employee stock purchase plan
Treasury shares issued under dividend reinvestment plan		103			232	335
Incentive stock options exercised	1	6				7
Balance at Sep. 30, 2019	$ 4,709	$ 42,149	$ 91,855	$ (4,035)	$ (8,578)	$ 126,100

Consolidated Statements Of Ch_2

Consolidated Statements Of Changes In Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Consolidated Statements Of Changes In Shareholders' Equity [Abstract]
Cash dividends declared	$ 0.30	$ 0.27	$ 0.87	$ 0.78
Acquisition of treasury stock, shares	48,825		103,588	2,605
Treasury shares issued under employee stock purchase plan, shares	10	381	2,270	2,944
Treasury shares issued under dividend reinvestment plan, shares	9,986	12,957	29,690	30,966
Incentive stock options exercised, shares	200	1,600	7,182	12,268

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Cash flows from operating activities
Net income	$ 11,720	$ 2,321
Adjustments to reconcile net income to net cash (used in) provided by operating activities:
Depreciation and amortization	1,030	989
Net amortization of loans and investment securities	922	1,307
Provision for loan losses	237	9,579
Increase in fair value of equity securities	(10)	(18)
Debt securities gains, net	(256)	(56)
Pay-out of legal settlement		(10,000)
Provision for credit losses on off-balance sheet exposures		2,361
Loans originated for sale	(32,220)	(16,137)
Proceeds from sale of loans	30,409	15,507
Write-down of other real estate owned	6	6
Gain on sale of other real estate owned	(9)
Acquisition of other real estate owned		105
Loss on sale of premises		17
Increase in cash surrender value of life insurance	(383)	(386)
Stock option compensation		185
Contribution to pension plan		(1,000)
Decrease (increase) in other assets	1,538	(4,441)
(Decrease) increase in other liabilities	1,582	1,638
Net cash provided (used) by operating activities	14,566	1,977
Cash flows from investing activities
Net increase in long-term interest-bearing deposits in other banks	(9,496)
Proceeds from sales and calls of investment securities available for sale	18,781	4,115
Proceeds from maturities and pay-downs of securities available for sale	25,233	14,289
Purchase of investment securities available for sale	(57,669)	(20,276)
Net (increase) decrease in restricted stock	(13)	4
Net decrease (increase) in loans	35,700	(36,188)
Capital expenditures	(610)	(599)
Proceeds from sale of other assets		117
Net proceeds from the sale of other real estate owned	74	32
Net cash provided by (used in) investing activities	12,000	(38,506)
Cash flows from financing activities
Net increase in demand deposits, interest-bearing checking, and savings accounts	49,392	32,411
Net (decrease) increase in time deposits	27,580	(7,735)
Dividends paid	(3,811)	(3,410)
Purchase of Treasury shares	(3,843)
Treasury shares issued under dividend reinvestment plan	236	352
Common stock issued under stock option plans	1,057	1,085
Net cash provided by financing activities	70,611	22,703
Increase (decrease) in cash and cash equivalents	97,177	(13,826)
Cash and cash equivalents at the beginning of the period	52,957	58,603
Cash and cash equivalents at the end of the period	150,134	44,777
Supplemental Disclosures of Cash Flow Information
Cash paid during the year for: Interest on deposits and other borrowed funds	5,181	2,818
Cash paid during the year for: Income taxes		250
Noncash Activities:
Loans transferred to Other Real Estate	80	$ 105
Recognition of Operating Lease Right-of-Use Asset	22
Recognition of Operating Lease Liability	$ 22

Basis Of Presentation

Basis Of Presentation	9 Months Ended
	Sep. 30, 2019
Basis Of Presentation [Abstract]
Basis Of Presentation	Note 1 - Basis of Presentation The consolidated financial statements include the accounts of Franklin Financial Services Corporation (the Corporation), and its wholly-owned subsidiaries, Farmers and Merchants Trust Company of Chambersburg (the Bank) and Franklin Future Fund Inc. Farmers and Merchants Trust Company of Chambersburg is a commercial bank that has one wholly-owned subsidiary, Franklin Financial Properties Corp. Franklin Financial Properties Corp. holds real estate assets that are leased by the Bank. Franklin Future Fund Inc. is a non-bank investment company. The activities of non-bank entities are not significant to the consolidated totals. All significant intercompany transactions and account balances have been eliminated. In the opinion of management, all adjustments (which include only normal recurring adjustments) necessary to present fairly the consolidated financial position, results of operations, and cash flows as of September 30, 2019 , and for all other periods presented have been made. Certain information and footnote disclosures normally included in consolidated financial statements prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) have been condensed or omitted. It is suggested that these consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Corporation’s 2018 Annual Report on Form 10-K. The consolidated results of operations for the three and nine month period ended September 30, 2019 are not necessarily indicative of the operating results for the full year. Management has evaluated subsequent events for potential recognition and/or disclosure through the date these consolidated financial statements were issued. The consolidated balance sheet at December 31, 2018 has been derived from the audited consolidated financial statements at that date, but does not include all of the information and footnotes required by GAAP for complete consolidated financial statements. For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks, interest-bearing deposits in other banks and federal funds sold. Generally, federal funds are purchased and sold for one-day periods. Earnings per share are computed based on the weighted average number of shares outstanding during each period end. A reconciliation of the weighted average shares outstanding used to calculate basic earnings per share and diluted earnings per share follows:     For the Three Months Ended For the Nine Months Ended  September 30, September 30,  (Dollars and shares in thousands, except per share data) 2019 2018 2019 2018  Weighted average shares outstanding (basic) 4,347 4,391 4,385 4,375  Impact of common stock equivalents 18 21 21 24  Weighted average shares outstanding (diluted) 4,365 4,412 4,406 4,399  Anti-dilutive options excluded from calculation 7 — 20 —  Net income $ 4,499 $ 4,000 $ 11,720 $ 2,321  Basic earnings (loss) per share $ 1.04 $ 0.91 $ 2.67 $ 0.53  Diluted earnings (loss) per share $ 1.03 $ 0.91 $ 2.66 $ 0.53 

Recent Accounting Pronouncement

Recent Accounting Pronouncements	9 Months Ended
	Sep. 30, 2019
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	Note 2. Recent Accounting Pronouncements The following accounting pronouncements have recently been adopted or will be adopted in future periods. For information on accounting pronouncements previously adopted, please refer to the Corporation’s report on Form 10-K for the year-ended December 31, 2018.    Standard Description Effective Date Effect on the financial statements or other significant matters   ASU 2016-02, Leases (Topic 842) and all subsequently issued amendments In February 2016, the FASB issued ASU 2016-02, "Leases (Subtopic 842)." This ASU requires all lessees to recognize a lease liability and a right-of-use asset, measured at the present value of the future minimum lease payments, at the lease commencement date. Lessor accounting remains largely unchanged under the new guidance. FASB subsequently issued various amendments that provided implementation guidance designed to provide entities with relief from the costs of implementing certain aspects of the new standard. From the lessee's perspective, the new standard requires a lessee to record a right-of-use asset and a lease liability on the balance sheet for all leases. Leases will be classified as either finance or operating, with classification affecting the pattern of expense recognition in the income statement for lessees. ASU 2016-02 and all subsequent amendments were effective for fiscal years, including interim periods, beginning after December 15, 2018. January 1, 2019 The Corporation adopted ASU 2016-02, "Leases (Topic 842)" and all subsequent amendments on January 1, 2019 using the modified retrospective approach, and it did not have a material effect on its consolidated results of operations. Adoption of the new standard resulted in the recognition of a lease liability and a right-of-use asset of $6.2 million without a cumulative effect adjustment to retained earnings. The Corporation did not restate any prior period results. The Corporation adopted the package of practical expedients offered in ASU 2016-02 and therefore, existing lease classifications were not reassessed, expired or existing contracts were not reassessed for a lease, and the initial direct costs for any existing leases were not reassessed. In addition to the package of practical expedients, the Corporation also utilized other practical expedients offered: (1) the hindsight expedient which allows entities to use hindsight to determine the lease term was not adopted, (2) leases, for all underlying asset classes, with a term less than 12 months and no purchase option were excluded, (3) the option to not separate lease and non-lease components and account for them as a single component was adopted for real estate leases, and (4) the option to not apply lease accounting to existing land easements was adopted. See Note 7 for additional information on the adoption of the new standard.   ASU 2018-13, Disclosure Framework (Topic 820) This guidance eliminates, adds and modifies certain disclosure requirements for fair value measurements. Among the changes, entities will no longer be required to disclose the amount of and reason for transfers between Level 1 and Level 2 of the fair value hierarchy, but will be required to disclose the range and weighted average used to develop significant unobservable inputs for Level 3 fair value measurements. January 1, 2019 The Corporation adopted the standard on January 1, 2019 and it did not have a material effect on its consolidated results of operations.   ASU 2018-15, Accounting for Implementation Costs in a Cloud Computing Arrangement (Topic 350) This ASU required an entity in a cloud computing arrangement (i.e., hosting arrangement) that is a service contract to follow the internal-use software guidance in ASC 350-40 to determine which implementation costs to capitalize as assets or expense as incurred. Capitalized implementation costs should be presented in the same line item on the balance sheet as amounts prepaid for the hosted service, if any (generally as an "other asset"). The capitalized costs will be amortized over the term of the hosting arrangement, with the amortization expense being presented in the same income statement line item as the fees paid for the hosted service. The ASU is effective January 1, 2020 with early adoption permitted. January 1, 2020 The Corporation adopted the standard on January 1, 2019 and it did not have a material effect on its consolidated results of operations.   ASU 2017-04, Goodwill (Topic 350) This guidance, among other things, removes step 2 of the goodwill impairment test thus eliminating the need to determine the fair value of individual assets and liabilities of the reporting unit. Upon adoption of this standard, goodwill impairment will be the amount by which a reporting unit's carrying value exceeds its fair value, not to exceed the carrying amount of goodwill. This may result in more or less impairment being recognized than under the current guidance. Early adoption is permitted for any impairment tests performed after January 1, 2017, applied prospectively. January 1, 2020 The Corporation early adopted the ASU in the fourth quarter of 2018 with the completion of the 2018 impairment analysis. The ASU did not have a material effect on the consolidated financial statements.   ASU 2018-14, Disclosure Framework (Topic 715): Changes to the Disclosure Requirements for Defined Benefit Plans This ASU makes minor changes to the disclosure requirements for employers that sponsor defined benefit pension and/or other postretirement benefit plans. ASU 2018-14 is effective for fiscal years ending after December 15, 2020; early adoption is permitted. January 1, 2020 The Corporation will adopt the provisions of the ASU on January 1, 2020. As the ASU only revises disclosure requirements, it is not expected to have a material effect on the consolidated financial statements.   ASU 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments This standard requires credit losses on most financial assets measured at amortized cost and certain other instruments to be measured using an expected credit loss model (referred to as the current expected credit loss (CECL) model). Under this model, entities will estimate credit losses over the entire contractual term of the instrument (considering estimated prepayments, but not expected extensions or modifications unless reasonable expectation of a troubled debt restructuring exists) from the date of initial recognition of that instrument. The ASU replaces the current accounting model for purchased credit impaired loans and debt securities. The allowance for credit losses for purchased financial assets with a more-than insignificant amount of credit deterioration since origination (“PCD assets”), should be determined in a similar manner to other financial assets measured on an amortized cost basis. However, upon initial recognition, the allowance for credit losses is added to the purchase price (“gross up approach”) to determine the initial amortized cost basis. The subsequent accounting for PCD financial assets is the same expected loss model described above. January 1, 2023 We have formed an implementation team led by the Corporation's Risk Management function. The team is reviewing the requirements of the ASU and evaluating methods and models for implementation. The new standard will result in earlier recognition of additions to the allowance for loan losses and possibly a larger allowance for loan loss balance with a corresponding increase in the provision for loan losses in results of operations; however, the Corporation is continuing to evaluate the impact of the pending adoption of the new standard on its consolidated financial statements. A third-party vendor has been selected to assist with the CECL calculations and the implementation process has started. The Corporation began running the CECL model in test mode in the second quarter of 2019.   ASU 2019-05, Financial Instruments - Credit Losses (Topic 326): Targeted Transition Relief This ASU allows entities to irrevocably elect, upon adoption of ASU 2016-13, the fair value option on financial instruments that (1) were previously recorded at amortized cost and (2) are within the scope of ASC 326-20 if the instruments are eligible for the fair value option under ASC 825-10. The fair value option election does not apply to held-to-maturity debt securities. Entities are required to make this election on an instrument-by-instrument basis. ASU 2019-05 has the same effective date as ASU 2016-13. January 1, 2023 The Corporation will continue to review the ASU as part of its adoption of ASU 2016-13   On October 16, 2019, FASB approved its August 2019 proposal to grant certain small public companies a delay in the effective date of ASU 2016-13. For the Corporation, the delay would make the ASU effective January 2023. The final ASU containing this decision is expected in November 2019. Since the Corporation currently meets the SEC definition of a small reporting company, the delay will be applicable to the Corporation. Early adoption is permitted. 

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	9 Months Ended
	Sep. 30, 2019
Accumulated Other Comprehensive Loss [Abstract]
Accumulated Other Comprehensive Loss	Note 3. Accumulated Other Comprehensive Loss The components of accumulated other comprehensive loss es included in shareholders' equity are as follows:      September 30, December 31,  2019 2018  (Dollars in thousands)  Net unrealized gains (losses) on debt securities $ 1,867 $ (1,100)  Tax effect (392) 230  Net of tax amount 1,475 (870)   Accumulated pension adjustment (6,975) (6,975)  Tax effect 1,465 1,465  Net of tax amount (5,510) (5,510)   Total accumulated other comprehensive loss $ (4,035) $ (6,380)

Investments

Investments	9 Months Ended
	Sep. 30, 2019
Investments [Abstract]
Investments	Note 4. Investments Available for Sale (AFS) Securities The amortized cost and estimated fair value of AFS securities as of September 30, 2019 and December 31, 2018 are as follows :      (Dollars in thousands) Gross Gross  Amortized unrealized unrealized Fair  September 30, 2019 cost gains losses value  U.S. Government and Agency securities $ 9,697 $ 49 $ (19) $ 9,727  Municipal securities 73,092 1,857 (258) 74,691  Trust preferred securities 4,091 — (178) 3,913  Agency mortgage-backed securities 50,372 608 (104) 50,876  Private-label mortgage-backed securities 420 36 — 456  Asset-backed securities 7,789 — (124) 7,665  $ 145,461 $ 2,550 $ (683) $ 147,328      (Dollars in thousands) Gross Gross  Amortized unrealized unrealized Fair  December 31, 2018 cost gains losses value  U.S. Government and Agency securities $ 9,120 $ 21 $ (65) $ 9,076  Municipal securities 67,811 320 (484) 67,647  Trust preferred securities 4,074 — (316) 3,758  Agency mortgage-backed securities 45,241 65 (648) 44,658  Private-label mortgage-backed securities 457 31 — 488  Asset-backed securities 5,869 — (24) 5,845  $ 132,572 $ 437 $ (1,537) $ 131,472  At September 30, 2019 and December 31, 2018 , the fair value of AFS securities pledged to secure public funds and trust deposits totaled $ 115.5 million and $ 84.6 million, respectively. The amortized cost and estimated fair value of debt securities at September 30, 2019 , by contractual maturity are shown below. Actual maturities may differ from contractual maturities because of prepayment or call options embedded in the securities. Securities not due at a single maturity date are presented separately.    (Dollars in thousands) Amortized cost Fair value  Due in one year or less $ 17,427 $ 17,514  Due after one year through five years 18,193 18,349  Due after five years through ten years 43,931 44,923  Due after ten years 15,118 15,210  94,669 95,996  Mortgage-backed securities 50,792 51,332  $ 145,461 $ 147,328  The composition of the net realized gains on AFS securities for the three and nine months ended are as follows:    For the Three Months Ended For the Nine Months Ended  September 30, September 30,  (Dollars in thousands) 2019 2018 2019 2018  Proceeds $ 1,826 $ 304 $ 18,781 $ 4,115   Gross gains realized 4 5 285 67  Gross losses realized (1) — (29) (11)  Net gains (losses) realized $ 3 $ 5 $ 256 $ 56   Tax (provision) benefit on net gains (losses) realized $ (1) $ (1) $ (54) $ (12)  Impairment : The AFS securities portfolio contained 95 securities with $48.9 million of temporarily impaired fair value and $683 thousand in unrealized losses at September 30, 2019. The total unrealized loss position has decreased $854 thousand since year-end 2018. For securities with an unrealized loss, Management applies a systematic methodology in order to perform an assessment of the potential for other-than-temporary impairment. In the case of debt securities, investments considered for other-than-temporary impairment: (1) had a specified maturity or repricing date; (2) were generally expected to be redeemed at par, and (3) were expected to achieve a recovery in market value within a reasonable period of time. In addition, the Bank considers whether it intends to sell these securities or whether it will be forced to sell these securities before the earlier of amortized cost recovery or maturity. The impairment identified on debt securities and subject to assessment at September 30, 2019, was deemed to be temporary and required no further adjustments to the financial statements, unless otherwise noted. The following table reflects temporary impairment in the AFS portfolio, aggregated by investment category, length of time that individual securities have been in a continuous unrealized loss position and the number of securities in each category as of September 30, 2019 and December 31, 2018 :     September 30, 2019  Less than 12 months 12 months or more Total  Fair Unrealized Fair Unrealized Fair Unrealized  (Dollars in thousands) Value Losses Count Value Losses Count Value Losses Count   U.S. Government and Agency securities $ 2,263 $ (10) 7 $ 1,516 $ (9) 8 $ 3,779 $ (19) 15  Municipal securities 13,737 (226) 15 3,166 (32) 5 16,903 (258) 20  Trust preferred securities — — — 3,913 (178) 5 3,913 (178) 5  Agency mortgage-backed securities 8,073 (47) 14 8,568 (57) 31 16,641 (104) 45  Asset-backed securities 4,759 (73) 5 2,906 (51) 5 7,665 (124) 10  Total temporarily impaired securities $ 28,832 $ (356) 41 $ 20,069 $ (327) 54 $ 48,901 $ (683) 95       December 31, 2018  Less than 12 months 12 months or more Total  Fair Unrealized Fair Unrealized Fair Unrealized  (Dollars in thousands) Value Losses Count Value Losses Count Value Losses Count   U.S. Government and Agency securities $ 2,071 $ (6) 2 $ 5,175 $ (59) 14 $ 7,246 $ (65) 16  Municipal securities 5,832 (12) 10 25,091 (472) 42 30,923 (484) 52  Trust preferred securities 2,008 (159) 3 1,750 (157) 2 3,758 (316) 5  Agency mortgage-backed securities 7,687 (46) 16 30,511 (602) 74 38,198 (648) 90  Asset-backed securities 5,826 (22) 6 19 (2) 2 5,845 (24) 8  Total temporarily impaired securities $ 23,424 $ (245) 37 $ 62,546 $ (1,292) 134 $ 85,970 $ (1,537) 171   The following table represents the cumulative credit losses on AFS securities recognized in earnings for:      Nine Months Ended  (Dollars in thousands) September 30,  2019 2018  Balance of cumulative credit-related OTTI at January 1 $ 272 $ 595  Additions for credit-related OTTI not previously recognized — —  Additional increases for credit-related OTTI previously recognized when there is  no intent to sell and no requirement to sell before recovery of amortized cost basis — —  Decreases for previously recognized credit-related OTTI because there was an intent to sell — —  Reduction for increases in cash flows expected to be collected — —  Balance of credit-related OTTI at September 30 $ 272 $ 595  Equity securities at Fair Value The Corporation owns one equity investment. At September 30, 2019 and December 31, 2018, this investment was reported at fair value of $384 thousand and $374 thousand, respectively, with changes in value reported through income.  Restricted Stock at Cost The Bank held $465 thousand of restricted stock at September 30, 2019. Except for $30 thousand, this investment represents stock in FHLB Pittsburgh. The Bank is required to hold this stock to be a member of FHLB and it is carried at cost of $100 per share. The level of FHLB stock held is determined by FHLB and is comprised of a minimum membership amount plus a variable activity amount. FHLB stock is evaluated for impairment primarily based on an assessment of the ultimate recoverability of its cost. As a government sponsored entity, FHLB has the ability to raise funding through the U.S. Treasury that can be used to support its operations. There is not a public market for FHLB stock and the benefits of FHLB membership (e.g., liquidity and low cost funding) add value to the stock beyond purely financial measures. Management intends to remain a member of the FHLB and believes that it will be able to fully recover the cost basis of this investment.

Loans

Loans	9 Months Ended
	Sep. 30, 2019
Loans [Abstract]
Loans	Note 5 . Loans The Bank reports its loan portfolio based on the primary collateral of the loan. It further classifies these loans by the primary purpose, either consumer or commercial. The Bank’s residential real estate loans include long-term loans to individuals and businesses secured by mortgages on the borrower’s real property and include home equity loans . Construction loans are made to finance the purchase of land and the construction of residential and commercial buildings thereon, and are secured by mortgages on real estate. Commercial real estate loans include construction, owner and non-owner occupied properties and farm real estate. Commercial loans are made to businesses of various sizes for a variety of purposes including property, plant and equipment, working capital and loans to government municipalities . Commercial lending is concentrated in the Bank’s primary market, but also includes purchased loan participations. Consumer loans are comprised of installment loans and unsecured personal lines of credit. Each class of loans involves a different kind of risk. However, risk factors such as changes in interest rates, general economic conditions and change sin collateral values are common across all classes. The risk of each loan class is presented below.  Residential Real Estate 1-4 family The largest risk in residential real estate loans to retail customers is the borrower’s inability to repay the loan due to the loss of the primary source of income. The Bank attempts to mitigate this risk through prudent underwriting standards including employment history, current financial condition and credit history. These loans are generally owner occupied and serve as the borrower’s primary residence. Commercial purpose loans, secured by residential real estate, are usually dependent upon repayment from the rental income or other business purposes. These loans are generally non-owner occupied. In addition to the real estate collateral, these loans may have personal guarantees or UCC filings on other business assets. If a payment default occurs on a 1-4 family residential real estate loan, the collateral serves as a source of repayment, but may be subject to a change in value due to economic conditions.  Residential Real Estate Construction This class includes loans to individuals for construction of a primary residence and to contractors and developers to improve real estate and construct residential properties. Construction loans to individuals generally bear the same risk as 1-4 family residential loans. Additional risks may include cost overruns, delays in construction or contractor problems.  Loans to contractors and developers are primarily dependent on the sale of improved lots or finished homes for repayment. Risks associated with these loans include the borrower’s character and capacity to complete a development, the effect of economic conditions on the valuation of lots or homes, cost overruns, delays in construction or contractor problems. In addition to real estate collateral, these loans may have personal guarantees or UCC filings on other business assets, depending on the financial strength and experience of the developer. Real estate construction loans are monitored on a regular basis by either an independent third party or the responsible loan officer, depending on the size and complexity of the project. This monitoring process includes at a minimum, the submission of invoices or AIA documents detailing the cost incurred by the borrower, on-site inspections, and an authorizing signature for disbursement of funds.  Commercial Real Estate Commercial real estate loans may be secured by various types of commercial property including retail space, office buildings, warehouses, hotels and motel, manufacturing facilities and, agricultural land.  Commercial real estate loans present a higher level of risk than residential real estate loans. Repayment of these loans is normally dependent on cash-flow generated by the operation of a business that utilizes the real estate. The successful operation of the business, and therefore repayment ability, may be affected by general economic conditions outside of the control of the operator. On most commercial real estate loans ongoing monitoring of cash flow and other financial performance indictors is completed annually through financial statement analysis. In addition, the value of the collateral may be negatively affected by economic conditions and may be insufficient to repay the loan in the event of default. In the event of foreclosure, commercial real estate may be more difficult to liquidate than residential real estate.  Commercial and Industrial (C&I) C&I loans are made for various business purposes to finance equipment, inventory, accounts receivables, and operating liquidity. These loans are generally secured by business assets or equipment, non-real estate collateral and/or personal guarantees.  C&I loans present a higher level of credit risk than other loans because repayment ability is usually dependent on cash-flow from a business operation that can be affected by general economic conditions. On most C&I loans ongoing monitoring of cash flow and other financial performance indictors at least annually through financial statement analysis. In the event of a default, collateral for these loans may be more difficult to liquidate, and the valuation of the collateral may decline more quickly than loans secured by other types of collateral.  Loans to governmental municipalities are also included in the C&I class. These loans generally have less risk than C&I loans due to the taxing authority of the municipality and its ability to assess fees on services.  A summary of loans outstanding, by class , at the end of the reporting periods is as follows:    September 30, December 31,  (Dollars in thousands) 2019 2018  Residential Real Estate 1-4 Family  Consumer first liens $ 86,985 $ 89,673  Commercial first lien 60,348 59,227  Total first liens 147,333 148,900   Consumer junior liens and lines of credit 41,186 42,504  Commercial junior liens and lines of credit 4,790 4,716  Total junior liens and lines of credit 45,976 47,220  Total residential real estate 1-4 family 193,309 196,120   Residential real estate - construction  Consumer 4,413 1,667  Commercial 8,385 8,558  Total residential real estate construction 12,798 10,225   Commercial real estate 487,807 487,980  Commercial 236,992 274,054  Total commercial 724,799 762,034   Consumer 6,309 4,996  937,215 973,375  Less: Allowance for loan losses (12,182) (12,415)  Net Loans $ 925,033 $ 960,960   Included in the loan balances are the following:  Net unamortized deferred loan (fees) costs $ 123 $ 123   Loans pledged as collateral for borrowings and commitments from:  FHLB $ 766,299 $ 772,564  Federal Reserve Bank 32,393 34,160  $ 798,692 $ 806,724

Loan Quality And Allowance for

Loan Quality And Allowance for Loan Losses	9 Months Ended
	Sep. 30, 2019
Loan Quality And Allowance for Loan Losses [Abstract]
Loan Quality and Allowance for Loan Losses	Note 6 . Loan Quality and Allowance for Loan Losses The following table presents, by class, the activity in the Allowance for Loan Losses (ALL) for the periods shown:    Residential Real Estate 1-4 Family  First Junior Liens & Commercial  (Dollars in thousands) Liens Lines of Credit Construction Real Estate Commercial Consumer Unallocated Total   ALL at June 30, 2019 $ 437 $ 113 $ 162 $ 5,867 $ 4,514 $ 95 $ 1,365 $ 12,553  Charge-offs — — (120) (169) (17) (27) — (333)  Recoveries 1 — — 1 111 11 — 124  Provision 2 1 138 133 (619) 2 181 (162)  ALL at September 30, 2019 $ 440 $ 114 $ 180 $ 5,832 $ 3,989 $ 81 $ 1,546 $ 12,182   ALL at December 31, 2018 $ 491 $ 133 $ 108 $ 5,698 $ 4,511 $ 70 $ 1,404 $ 12,415  Charge-offs (34) (1) (123) (355) (92) (78) — (683)  Recoveries 4 1 — 22 162 24 — 213  Provision (21) (19) 195 467 (592) 65 142 237  ALL at September 30, 2019 $ 440 $ 114 $ 180 $ 5,832 $ 3,989 $ 81 $ 1,546 $ 12,182   ALL at June 30, 2018 $ 1,022 $ 318 $ 282 $ 7,028 $ 2,233 $ 107 $ 1,492 $ 12,482  Charge-offs - — — — (208) (23) — (231)  Recoveries - — — 1 19 5 — 25  Provision (16) (4) (4) 242 122 12 (102) 250  ALL at September 30, 2018 $ 1,006 $ 314 $ 278 $ 7,271 $ 2,166 $ 101 $ 1,390 $ 12,526   ALL at December 31, 2017 $ 1,060 $ 330 $ 224 $ 6,526 $ 2,110 $ 105 $ 1,437 $ 11,792  Charge-offs - — — — (8,944) (78) — (9,022)  Recoveries 1 — — 17 135 24 — 177  Provision (55) (16) 54 728 8,865 50 (47) 9,579  ALL at September 30, 2018 $ 1,006 $ 314 $ 278 $ 7,271 $ 2,166 $ 101 $ 1,390 $ 12,526   The following table presents, by class, loans that were evaluated for the ALL under the specific reserve (individually) and those that were evaluated under the general reserve (collectively) and the amount of the ALL established in each class as of September 30, 2019 and December 31, 2018 :     Residential Real Estate 1-4 Family  First Junior Liens & Commercial  (Dollars in thousands) Liens Lines of Credit Construction Real Estate Commercial Consumer Unallocated Total   September 30, 2019  Loans evaluated for ALL:  Individually $ 395 $ — $ 525 $ 12,139 $ — $ — $ — $ 13,059  Collectively 146,938 45,976 12,273 475,668 236,992 6,309 — 924,156  Total $ 147,333 $ 45,976 $ 12,798 $ 487,807 $ 236,992 $ 6,309 $ — $ 937,215   ALL established for loans evaluated:  Individually $ — $ — $ — $ — $ — $ — $ — $ —  Collectively 440 114 180 5,832 3,989 81 1,546 12,182  ALL at September 30, 2019 $ 440 $ 114 $ 180 $ 5,832 $ 3,989 $ 81 $ 1,546 $ 12,182   December 31, 2018  Loans evaluated for ALL:  Individually $ 405 $ — $ 455 $ 10,099 $ 181 $ — $ — $ 11,140  Collectively 148,495 47,220 9,770 477,881 273,873 4,996 — 962,235  Total $ 148,900 $ 47,220 $ 10,225 $ 487,980 $ 274,054 $ 4,996 $ — $ 973,375   ALL established for loans evaluated:  Individually $ — $ — $ — $ — $ — $ — $ — $ —  Collectively 491 133 108 5,698 4,511 70 1,404 12,415  ALL at December 31, 2018 $ 491 $ 133 $ 108 $ 5,698 $ 4,511 $ 70 $ 1,404 $ 12,415 The following table shows additional information about those loans considered to be impaired at September 30, 2019 and December 31, 2018 :    Impaired Loans  With No Allowance With Allowance  (Dollars in thousands) Unpaid Unpaid  Recorded Principal Recorded Principal Related  September 30, 2019 Investment Balance Investment Balance Allowance  Residential Real Estate 1-4 Family  First liens $ 395 $ 395 $ — $ — $ —  Junior liens and lines of credit — — — — —  Total 395 395 — — —  Residential real estate - construction 525 729 — — —  Commercial real estate 12,139 13,060 — — —  Commercial — — — — —  Total $ 13,059 $ 14,184 $ — $ — $ —     December 31, 2018  Residential Real Estate 1-4 Family  First liens $ 871 $ 958 $ — $ — $ —  Junior liens and lines of credit 49 49 — — —  Total 920 1,007 — — —  Residential real estate - construction 455 531 — — —  Commercial real estate 10,236 10,808 — — —  Commercial 315 9,763 — — —  Total $ 11,926 $ 22,109 $ — $ — $ —  The following table shows the average of impaired loans and related interest income for the three and nine months ended September 30, 2019 and 2018 :    Three Months Ended Nine Months Ended  September 30, 2019 September 30, 2019  Average Interest Average Interest  (Dollars in thousands) Recorded Income Recorded Income  Investment Recognized Investment Recognized  Residential Real Estate 1-4 Family  First liens $ 396 $ 6 $ 399 $ 18  Junior liens and lines of credit — — — —  Total 396 6 399 18  Residential real estate - construction 646 — 650 —  Commercial real estate 12,461 98 12,933 302  Commercial — — — —  Total $ 13,503 $ 104 $ 13,982 $ 320   Three Months Ended Nine Months Ended  September 30, 2018 September 30, 2018  Average Interest Average Interest  (Dollars in thousands) Recorded Income Recorded Income  Investment Recognized Investment Recognized  Residential Real Estate 1-4 Family  First liens $ 1,091 $ 10 $ 899 $ 31  Junior liens and lines of credit 268 2 750 2  Total 1,359 12 1,649 33  Residential real estate - construction 461 — 463 —  Commercial real estate 10,789 107 10,314 316  Commercial 3,465 — 5,284 —  Total $ 16,074 $ 119 $ 17,710 $ 349  The following table presents the aging of payments of the loan portfolio :     (Dollars in thousands) Loans Past Due and Still Accruing Total  Current 30-59 Days 60-89 Days 90 Days+ Total Non-Accrual Loans  September 30, 2019  Residential Real Estate 1-4 Family  First liens $ 146,397 $ 557 $ 278 $ 101 $ 936 $ — $ 147,333  Junior liens and lines of credit 45,741 126 42 50 218 17 45,976  Total 192,138 683 320 151 1,154 17 193,309  Residential real estate - construction 12,273 — — — — 525 12,798  Commercial real estate 482,107 197 1,409 — 1,606 4,094 487,807  Commercial 236,542 236 88 — 324 126 236,992  Consumer 6,246 46 7 10 63 — 6,309  Total $ 929,306 $ 1,162 $ 1,824 $ 161 $ 3,147 $ 4,762 $ 937,215      December 31, 2018  Residential Real Estate 1-4 Family  First liens $ 148,183 $ 322 $ 202 $ 113 $ 637 $ 80 $ 148,900  Junior liens and lines of credit 47,040 131 — 26 157 23 47,220  Total 195,223 453 202 139 794 103 196,120  Residential real estate - construction 9,572 — 198 — 198 455 10,225  Commercial real estate 481,774 1,343 3,323 113 4,779 1,427 487,980  Commercial 273,534 65 40 100 205 315 274,054  Consumer 4,933 46 12 5 63 — 4,996  Total $ 965,036 $ 1,907 $ 3,775 $ 357 $ 6,039 $ 2,300 $ 973,375  The following table reports the risk rating for th ose loan s in the portfolio that are assigned an individual risk rating. Consumer purpose loans are assigned a rating of either pass or substandard based on the performance status of the loans. Substandard consumer loans are comprised of loans 90 days or more past due and still accruing , and nonaccrual loans. Commercial purpose loans may be assigned any rating in accordance with the Bank’s internal risk rating system.     Pass Special Mention Substandard Doubtful  (Dollars in thousands) (1-5) (6) (7) (8) Total   September 30, 2019  Residential Real Estate 1-4 Family  First liens $ 147,185 $ — $ 148 $ — $ 147,333  Junior liens and lines of credit 45,903 6 67 — 45,976  Total 193,088 6 215 — 193,309  Residential real estate - construction 12,273 — 525 — 12,798  Commercial real estate 475,059 5,221 7,527 — 487,807  Commercial 236,124 20 848 — 236,992  Consumer 6,298 — 11 — 6,309  Total $ 922,842 $ 5,247 $ 9,126 $ — $ 937,215       December 31, 2018  Residential Real Estate 1-4 Family  First liens $ 148,453 $ — $ 447 $ — $ 148,900  Junior liens and lines of credit 47,171 — 49 — 47,220  Total 195,624 — 496 — 196,120  Residential real estate - construction 9,572 — 653 — 10,225  Commercial real estate 479,969 660 7,351 — 487,980  Commercial 272,959 — 1,095 — 274,054  Consumer 4,991 — 5 — 4,996  Total $ 963,115 $ 660 $ 9,600 $ — $ 973,375  The following table presents information on the Bank’s Troubled Debt Restructuring (TDR) loans as of :   Troubled Debt Restructurings  Within the Last 12 Months  That Have Defaulted  (Dollars in thousands) Troubled Debt Restructurings On Modified Terms  Number of Recorded Number of Recorded  Contracts Investment Performing* Nonperforming* Contracts Investment  September 30, 2019  Residential real estate - construction 1 $ 446 $ 446 $ — — $ —  Residential real estate 4 664 664 — — —  Commercial real estate 11 9,467 9,467 — — —  Total 16 $ 10,577 $ 10,577 $ — — $ —    December 31, 2018  Residential real estate - construction 1 $ 455 $ — $ 455 — $ —  Residential real estate 4 678 678 — — —  Commercial real estate 11 10,099 8,809 1,290 — —  Total 16 $ 11,232 $ 9,487 $ 1,745 — $ —  * The performing status is determined by the loan’s compliance with the modified terms . There were no new TDR loans during 201 9 and 2018 .

Leases

Leases	9 Months Ended
	Sep. 30, 2019
Leases [Abstract]
Leases	Note 7. Leases The Corporation adopted ASU 2016-02 “Leases (Topic 842)” and all subsequent amendments on January 1, 2019 using the modified retrospective method. The Corporation has elected the option to apply the new standard as of January 1, 2019 without restatement of any prior period results. Adoption of the new standard resulted in the recognition of a lease liability and a right-of-use asset of $6.2 million without a cumulative effect adjustment to retained earnings. The Corporation leases various assets in the course of its operations that are subject to recognition under the new standard. The Corporation considers all of its leases to be operating leases and it has no finance leases. The leased assets are comprised of equipment , and buildings and land (collectively real estate). The equipment leases are shorter-term than the real estate leases, and generally have a fixed payment over a defined term without renewal options. Certain equipment leases have purchase options and it was determined the option was not reasonably certain to be exercised. T he real estate leases are longer-term and may contain renewal options after the initial term, but none of the real estate leases contain a purchase option. The renewal options on real estate leases were reviewed and if it was determined the option was reasonably certain to be renewed, the option term was considered in the determination of the lease liability. There is only one real estate lease with a variable payment based on an index included in the lease liability. None of the leases contain any restrictive covenants and there are no significant leases that have not yet commenced. The discount rate used to determine the lease liability is based on the Bank’s fully secured borrowing rate from the Federal Home Loan Bank for a term similar to the lease term. Adoption of the new standard did not affect the Corporation’s status as a “well-capitalized” institution. Operating lease expense is included in net occupancy expense in the consolidated statements of income. See Note 2 for additional information on the adoption of the new standard.  Lease costs for the three and nine months ended September 30, 2019 were as follows:    Three Months Ended Nine Months Ended  (Dollars in thousands) September 30, 2019 September 30, 2019  Operating lease cost $ 183 $ 555  Short-term lease cost 7 19  Variable lease cost 13 36  Total lease cost $ 203 $ 610  Cash paid for amounts included in the measurement of lease liabilities and the weighted-average remaining lease term and discount rate were as follows:    Nine Months Ended  (Dollars in thousands) September 30, 2019  Cash paid for amounts included in the measurement of lease liabilities:  Operating cash flows from operating leases $ 375   Weighted-average remaining lease term (years) 12.8  Weighted-average discount rate 3.52%  As of September 30, 2019, the future minimum payments for operating leases having initial or remaining lease terms in excess of one year were as follows:    (Dollars in thousands)   2019 $ 177  2020 674  2021 651  2022 567  2023 527  2024 and beyond 4,380  Total undiscounted cash flows 6,976  Discounted cash flows (1,433)  Total lease liability $ 5,543 

Other Real Estate Owned

Other Real Estate Owned	9 Months Ended
	Sep. 30, 2019
Other Real Estate Owned [Abstract]
Other Real Estate Owned	Note 8. Other Real Estate Owned Changes in other real estate owned were as follows:    Three Months Ended Nine Months Ended  September 30, September 30,  (Dollars in thousands) 2019 2018 2019 2018  Balance at beginning of the period $ 2,684 $ 2,592 $ 2,684 $ 2,598  Additions 80 105 80 105  Proceeds from dispositions (74) (32) (74) (32)  Gains on sales, net 9 — 9 —  Valuation adjustment (6) — (6) (6)  Balance at the end of the period $ 2,693 $ 2,665 $ 2,693 $ 2,665

Pension

Pension	9 Months Ended
	Sep. 30, 2019
Pension [Abstract]
Pension	Note 9 . Pension The components of pension expense for the periods presented are as follows:    Three Months Ended Nine Months Ended  September 30, September 30,  (Dollars in thousands) 2019 2018 2019 2018  Components of net periodic cost:  Service cost $ 82 $ 90 $ 243 $ 270  Interest cost 157 138 473 414  Expected return on plan assets (272) (279) (814) (837)  Recognized net actuarial loss 133 176 419 528  Total pension expense $ 100 $ 125 $ 321 $ 375  The Bank expects its pension expense to decrease to approximately $420 thousand in 2019 compared to $500 thousand in 2018, due primarily to decreases in service costs and recognized net actuarial losses . The service cost component of pension expense is in the salaries and employee benefits line on the income statement. All other cost components are in the other expense line on the income statement.

Fair Value Measurements And Fai

Fair Value Measurements And Fair Values Of Financial Instruments	9 Months Ended
	Sep. 30, 2019
Fair Value Measurements And Fair Values Of Financial Instruments [Abstract]
Fair Value Measurements And Fair Values Of Financial Instruments	 Note 10. Fair Value Measurements and Fair Values of Financial Instruments Management uses its best judgment in estimating the fair value of the Corporation’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 Corporation 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 maybe different than the amounts reported at each year-end. The Corporation uses the exit price notion to measure the fair value of financial instruments. FASB ASC Topic 820, “Financial Instruments”, requires disclosure of the fair value of financial assets and liabilities, including those financial assets and liabilities that are not measured and reported at fair value on a recurring and nonrecurring basis. The Corporation does not report any nonfinancial assets at fair value. FASB ASC Topic 820 establishes a fair value hierarchy that prioritizes the inputs to valuation methods used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy under FASB ASC Topic 820 are as follows: Level 1 : Valuation is based on unadjusted, quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities. Level 2 : Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market. There may be substantial differences in the assumptions used for securities within the same level. For example, prices for U.S. Agency securities have fewer assumptions and are closer to level 1 valuations than the private label mortgage backed securities that require more assumptions and are closer to level 3 valuations. Level 3 : Valuation is generated from model-based techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect the Corporation’s assumptions regarding what market participants would assume when pricing a financial instrument. 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. The following information regarding the fair value of the Corporation’s financial instruments should not be interpreted as an estimate of the fair value of the entire Corporation since a fair value calculation is only provided for a limited portion of the Corporation’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 Corporation’s disclosures and those of other companies may not be meaningful. The following methods and assumptions were used to estimate the fair values of the Corporation’s financial instruments measured at fair value on a recurring and nonrecurring basis.  Equity Securities : Equity securities are valued using quoted market prices from nationally recognized markets (Level 1). Equity securities are measured at fair value on a recurring basis.  Investment securities : Fair values of investment securities available-for-sale were primarily measured using information from a third-party pricing service. This service provides pricing information by utilizing evaluated pricing models supported with market data information. Standard inputs include benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, and reference data from market research publications. Level 2 investment securities are primarily comprised of debt securities issued by states and municipalities, corporations, mortgage-backed securities issued by government agencies, and government-sponsored enterprises. Fair values were estimated primarily by obtaining quoted prices for similar assets in active markets or through the use of pricing models. Investment securities are measured at fair value on a recurring basis.  Impaired Loans : The fair value of impaired loans with specific allocations of the allowance for loan losses is generally based on recent real estate appraisals conducted by an independent, licensed appraiser, less cost to sell. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach (Level 2). If the appraiser makes an adjustment to account for differences between the comparable sales and income data available for similar loans, or if management adjusts the appraised value, then the fair value is considered Level 3. Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, resulting in a Level 3 fair value classification. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted in accordance with the allowance policy. Partial charge-offs on impaired loans were $$412 thousand in 2019, year to date. Impaired loans are measured at fair value on a nonrecurring basis.  Other Real Estate Owned : Assets acquired through or instead of loan foreclosure are initially recorded at the lower of cost or the fair value less costs to sell when acquired. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals which are updated no less frequently than annually. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach with data from comparable properties (Level 2). If the appraiser makes an adjustment to account for differences between the comparable sales and income data available for similar loans, or if management adjusts the appraised value, then the fair value is considered Level 3. In connection with the measurement and initial recognition of other real estate owned, losses are recognized through the allowance for loan losses. Subsequent charge-offs are recognized as an expense. Other real estate owned properties are evaluated on a quarterly basis for additional impairment and adjusted accordingly. The fair value of other real estate owned at September 30, 2019 and December 31, 2017 was $81 thousand and $71 thousand, respectively. No adjustments to the valuation were recorded in either period. Other real estate owned is measured at fair value on a nonrecurring basis.  Recurring Fair Value Measurements For financial assets and liabilities measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy used at September 30, 2019 and December 31, 2018 are as follows:     (Dollars in Thousands Fair Value at September 30, 2019  Asset Description Level 1 Level 2 Level 3 Total  Equity securities, at fair value $ 384 $ — $ — $ 384   Available for sale:  U.S. Government and Agency securities — 9,727 — 9,727  Municipal securities — 74,691 — 74,691  Trust Preferred Securities — 3,913 — 3,913  Agency mortgage-backed securities — 50,876 — 50,876  Private-label mortgage-backed securities — 456 — 456  Asset-backed securities — 7,665 — 7,665  Total assets $ 384 $ 147,328 $ — $ 147,712       (Dollars in Thousands) Fair Value at December 31, 2018  Asset Description Level 1 Level 2 Level 3 Total  Equity securities, at fair value $ 374 $ — $ — $ 374   Available for sale:  U.S. Government and Agency securities — 9,076 — 9,076  Municipal securities — 67,647 — 67,647  Trust Preferred Securities — 3,758 — 3,758  Agency mortgage-backed securities — 44,658 — 44,658  Private-label mortgage-backed securities — 488 — 488  Asset-backed securities — 5,845 — 5,845  Total assets $ 374 $ 131,472 $ — $ 131,846   Nonrecurring Fair Value Measurements For financial assets measured at fair value on a nonrecurring basis, the fair value measurements by level within the fair value hierarchy used at September 30, 2019 and December 31, 2018 were as follows:      (Dollars in Thousands) Fair Value at September 30, 2019  Asset Description Level 1 Level 2 Level 3 Total  Impaired loans (1) $ — $ — $ 2,751 $ 2,751  Total assets $ — $ — $ 2,751 $ 2,751      (Dollars in Thousands) Fair Value at December 31, 2018  Asset Description Level 1 Level 2 Level 3 Total  Other real estate owned (1) $ — $ — $ 71 $ 71  Total assets $ — $ — $ 71 $ 71 (1) Includes assets directly charged-down to fair value during the year-to-date period.  The Corporation did not record any liabilities at fair value for which measurement of the fair value was made on a nonrecurring basis at September 30, 2019 . For financial assets and liabilities measured at fair value on a recurring basis, there were no transfers of financial assets or liabilities between Level 1 and Level 2 during the period ending September 30, 2019 . The following table presents additional quantitative information about Level 3 assets measured at fair value on a nonrecurring basis:    (Dollars in Thousands) Range  September 30, 2019 Fair Value Valuation Technique Unobservable Input (Weighted Average)  Impaired loans (1) $ 2,751 Appraisal Appraisal Adjustments (2) 0% - 63% ( 40% )   (Dollars in Thousands)  December 31, 2018 Fair Value Valuation Technique Unobservable Input Weighted Average  Other real estate owned (1) $ 71 Appraisal Cost to sell 8% ( 8% )   (1) Includes assets directly charged-down to fair value during the year-to-date period.   The carrying amounts and estimated fair value of financial instruments not carried at fair value are as follows:      September 30, 2019  Carrying Fair  (Dollars in thousands) Amount Value Level 1 Level 2 Level 3  Financial assets, carried at cost:  Cash and cash equivalents $ 150,134 $ 150,134 $ 150,134 $ — $ —  Long-term interest-bearing deposits in other banks 9,496 9,496 9,496 — —  Restricted stock 465 465 — 465 —  Loans held for sale 1,929 1,929 — 1,929 —  Net loans 925,033 922,071 — — 922,071  Accrued interest receivable 3,452 3,452 — 3,452 —   Financial assets, available for sale  Debt securities 147,328 147,328 — 147,328 —   Financial assets, fair value  Equity securities 384 384 384 — —   Financial liabilities:  Deposits $ 1,159,601 $ 1,160,014 $ — $ 1,160,014 $ —  Accrued interest payable 391 391 — 391 —   December 31, 2018  Carrying Fair  (Dollars in thousands) Amount Value Level 1 Level 2 Level 3  Financial assets, carried at cost:  Cash and cash equivalents $ 52,957 $ 52,957 $ 52,957 $ — $ —  Restricted stock 452 452 — 452 —  Loans held for sale 118 118 — 118 —  Net loans 960,960 941,930 — — 941,930  Accrued interest receivable 4,103 4,103 — 4,103 —   Financial assets, available for sale  Debt securities 131,472 131,472 — 131,472 —   Financial assets, fair value  Equity securities 374 374 374 — —   Financial liabilities:  Deposits $ 1,082,629 $ 1,082,425 $ — $ 1,082,425 $ —  Accrued interest payable 193 193 — 193 — 

Capital Ratios

Capital Ratios	9 Months Ended
	Sep. 30, 2019
Capital Ratios [Abstract]
Capital Ratios	Note 11. Capital Ratios Capital adequacy is currently defined by regulatory agencies through the use of several minimum required ratios. In July 2013, Federal banking regulators approved the final rules from the Basel Committee on Banking Supervision for the regulation of capital requirements for bank holding companies and U.S banks, generally referred to as “Basel III.” The Basel III standards were effective for the Bank, effective January 1, 2015 (subject to a phase-in period for certain provisions). Basel III imposes significantly higher capital requirements and more restrictive leverage and liquidity ratios than those previously in place. The capital ratios to be considered “well capitalized” under Basel III are: (1) Common Equity Tier 1 (CET1) of 6.5% , (2) Tier 1 Leverage of 5% , (3) Tier 1 Risk-Based Capital of 8% , and (4) Total Risk-Based Capital of 10% . The CET1 ratio is a new capital ratio under Basel III and the Tier 1 risk-based capital ratio of 8% has been increased from 6% . The rules also include changes in the risk weights of certain assets to better reflect credit and other risk exposures. In addition, a capital conservation buffer was phas ed-in at 1.875% for 2018 and 2.50% for 2019 and thereafter. The capital conservation buffer will be applicable to all of the capital ratios except for the Tier1 Leverage ratio. The capital conservation buffer is equal to the lowest value of the three applicable capital ratios less the regulatory minimum for each respective capital measurement. The Bank’s capital conservation buffer at September 30, 2019 was 7.80% (total risk-based capital 15.80% less 8.00%) compared to the 2019 regulatory buffer of 2.50%. Compliance with the capital conservation buffer is required in order to avoid limitations to certain capital distributions and is in addition to the Basel III capital requirements . As of September 30, 2019 , the Bank was “well capitalized’ under the Basel III requirements . The consolidated asset limit on small bank holding companies is $3 billion and a company with assets under that limit is not subject to the consolidated capital rules, but may file reports that include capital amounts and ratios. The Corporation has elected to file those reports.  The following table summarizes the Basel III regulatory capital requirements and results as of September 30, 2019 and December 31, 2018 for the Corporation and the Bank:    Regulatory Ratios  Adequately Well  September 30, December 31, Capitalized Capitalized  (Dollars in thousands) 2019 2018 Minimum Minimum   Common Equity Tier 1 Risk-based Capital Ratio (1)  Franklin Financial Services Corporation 14.53% 13.96% N/A N/A  Farmers & Merchants Trust Company 14.27% 13.80% 4.500% 6.50%   Tier 1 Risk-based Capital Ratio (2)  Franklin Financial Services Corporation 14.53% 13.96% N/A N/A  Farmers & Merchants Trust Company 14.27% 13.80% 6.000% 8.00%   Total Risk-based Capital Ratio (3)  Franklin Financial Services Corporation 15.80% 15.21% N/A N/A  Farmers & Merchants Trust Company 15.52% 15.06% 8.000% 10.00%   Tier 1 Leverage Ratio (4)  Franklin Financial Services Corporation 9.45% 9.78% N/A N/A  Farmers & Merchants Trust Company 9.28% 9.68% 4.000% 5.00%   (1) Common equity Tier 1 capital/ total risk-weighted assets (2) Tier 1 capital / total risk-weighted assets  (3) Total risk-based capital / total risk-weighted assets, (4) Tier 1 capital / average quarterly assets

Revenue Recognition

Revenue Recognition	9 Months Ended
	Sep. 30, 2019
Revenue Recognition [Abstract]
Revenue Recognition	Note 1 2 . Revenue Recognition The Corporation adopted ASC 606 on January 1, 2018 using the modified retrospective approach applied to all contracts initiated on or after the effective date, and for contracts which have remaining obligations as of the effective date. Results for the reporting period beginning January 1, 2018 are presented under ASC 606 while the prior period results continue to be reported under legacy GAAP. Adoption of the standard did not have a material effect on any of the reported periods. The Corporation did not record a cumulative effect adjustment to the beginning retained earnings balance as of January 1, 2018 from the adoption of ASC 606 as it was determined the transition adjustment was immaterial to Corporation’s consolidated financial statements. All of the Corporation’s revenue from contracts with customers within the scope of ASC 606 is recognized in non-interest income as presented in our consolidated statements of income. Revenue generating activities that fall within the scope of ASC 606 are described as follows: Investment and Trust Service Fees - these represent fees from wealth management (assets under management), fees from the management an d settlement of estates and commissions from the sale of investment and insurance products. · Asset management fees are generally assessed based on a tiered fee schedule, based on the value of assets under management, and are recognized monthly when the service obligation is completed. Fees recognized were $1.3 million for the third quarter of 2019 and 2018. Asset management fees y ear-to-date as of September 30 were $4.1 million for 2019 and $3.8 million for 2018. · Fees for estate management services are based on the estimated fair value of the estate. These fees are generally recognized monthly over an 18 month period that Management has determined to represent the average time to fulfill the performance obligations of the contract. Management has the discretion to adjust this time period as needed based upon the nature and complexity of an individual estate. Fees recognized were $105 thousand for the third quarter of 2019, compared to $86 thousand for the thir d quarter of 2018. Estate management fees y ear-to-date as of September 30 were $259 thousand in 2019 and $228 thousand in 2018. · Commissions from the sale of investment and insurance products are recognized upon the completion of the transaction. Commissions recognized were $42 thousand for the thir d quarter of 2019 and $75 thousand for 2018. Year-to-date commissions as of September 30 were $177 thousand for 2019 and $218 thousand for 2018 Loan Service Charges – these represent fees on loans for services or charges that occur after the loan has been booked, for example, late payment fees. These also include fees for mortgages settled for a third party mortgage companies. All of these fees are transactional in nature and are recognized upon completion of the transaction which represents the performance obligation. Deposit Service Charges and Fee s – these represent fees from deposit customers for transaction based, account maintenance, and overdraft services. Transaction based fees include, but are not limited to stop payment fees and overdraft fees. These fees are recognized at the time of the transaction when the performance obligation has been fulfilled. Account maintenance fees and account analysis fee are earned over the course of a month, representing the period of the performance obligation, and are recognized monthly. Debit Card Income – this represents interchange fees from cardholder transactions conducted through the card payment network. Cardholders use the debit card to conduct point-of-sale transactions that produce interchange fees. The fees are transaction based and the fee is recognized with the processing of the transaction. These fees are reported net of cardholder rewards. Other Service Charges and Fees – these are comprised primarily of merchant card fees, credit card fees, ATM surcharges and interchange fees and wire transfer fees. Merchant card fees represent fees the Bank earns from a third party for enrolling a customer in the processor’s program. Credit card fees represent a fee earned by the Bank for a successful referral to a card-issuing company. ATM surcharges and interchange fees are the result of Bank customers conducting ATM transactions that generate fee income and are processed through multiple card networks. All of these fees are transaction based and are recognized at the time of the transaction. Gains/Losses on the Sale of Other Real Estate – these are recognized when control of the property transfers to the buyer. Increases in the cash surrender value of life insurance and security transactions are not within the scope of ASC 606. Contract Balances A contract asset balance occurs when an entity performs a service for a customer before the customer pays consideration (resulting in a contract receivable) or before payment is due (resulting in a contract asset). A contract liability balance is an entity’s obligation to transfer a service to a customer for which the entity has already received payment (or payment is due) from the customer. The Company’s noninterest revenue streams are largely based on transactional activity, or standard month-end revenue accruals such as asset management fees based on month-end market values. Consideration is often received immediately or shortly after the Company satisfies its performance obligation and revenue is recognized. The Company does not typically enter into longer-term revenue contracts with customers, and therefore, does not experience significant contract balances. Contract Acquisition Costs The Corporation expenses all contract acquisition costs as costs are incurred. 

Commitments And Contingencies

Commitments And Contingencies	9 Months Ended
	Sep. 30, 2019
Commitments And Contingencies [Abstract]
Commitments And Contingencies	1 Note 13. Commitments and Contingencies In the normal course of business, the Bank is a party to financial instruments that are not reflected in the accompanying financial statements and are commonly referred to as off-balance-sheet instruments. These financial instruments are entered into primarily to meet the financing needs of the Bank’s customers and include commitments to extend credit and standby letters of credit. Those instruments involve, to varying degrees, elements of credit and interest rate risk not recognized in the consolidated balance sheet. The Corporation’s exposure to credit loss in the event of nonperformance by other parties to the financial instruments for commitments to extend credit and standby letters of credit is represented by the contract or notional amount of those instruments. The Bank uses the same credit policies in making commitments and conditional obligations as they do for on-balance-sheet instruments. The Bank had the following outstanding commitments for the periods presented:    September 30, December 31,  (Dollars in thousands) 2019 2018  Financial instruments whose contract amounts represent credit risk  Commercial commitments to extend credit $ 259,711 $ 216,913  Consumer commitments to extend credit (secured) 52,823 49,221  Consumer commitments to extend credit (unsecured) 5,176 5,605  $ 317,710 $ 271,739  Standby letters of credit $ 26,743 $ 25,429  Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses with the exception of home equity lines and personal lines of credit and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank, is based on Management’s credit evaluation of the counterparty. Collateral for most commercial commitments varies but may include accounts receivable, inventory, property, plant, and equipment, and income-producing commercial properties. Collateral for secured consumer commitments consists of liens on residential real estate. Standby letters of credit are instruments issued by the Bank, which guarantee the beneficiary payment by the Bank in the event of default by the Bank’s customer in the nonperformance of an obligation or service. Most standby letters of credit are extended for one-year periods. Generally, the credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Bank holds collateral supporting those commitments for which collateral is deemed necessary primarily in the form of certificates of deposit and liens on real estate. Management believes that the proceeds obtained through a liquidation of such collateral would be sufficient to cover the maximum potential amount of future payments required under the corresponding guarantees. As of June 30, 2018, the Bank established a $2.4 million allowance against letters of credit issued in connection with a commercial borrower that declared bankruptcy in the second quarter of 2018 which remains at September 30, 2019. Except for the liability recorded for standby letters of credit, liabilities for credit loss associated with off-balance sheet commitments were not material at September 30, 2019 and December 31, 2018. Most of the Bank’s business activity is with customers located within its primary market and does not involve any significant concentrations of credit to any one entity or industry. Legal Proceedings The nature of the Corporation’s business generates a certain amount of litigation. We establish accruals for legal proceedings when information related to the loss contingencies represented by those matters indicates both that a loss is probable and the amount of the loss can be reasonably estimated. When we are able to do so, we also determine estimates of possible losses, whether in excess of any accrued liability or where there is no accrued liability. These assessments are based on our analysis of currently available information and are subject to significant judgment and a variety of assumptions and uncertainties. As new information is obtained, we may change our assessments and, as a result, take or adjust the amounts of our accruals and change our estimates of possible losses or ranges of possible losses. Due to the inherent subjectivity of the assessments and the unpredictability of outcomes of legal proceedings, any amounts that may be accrued or included in estimates of possible losses or ranges of possible losses may not represent the actual loss to the Corporation from any legal proceeding. Our exposure and ultimate losses may be higher, possibly significantly higher, than amounts we may accrue or amounts we may estimate. In management’s opinion, we do not anticipate, at the present time, that the ultimate aggregate liability, if any, arising out of all litigation to which the Corporat ion is a party at this time will h ave a material adverse effect on our financial position. We cannot now determine, however, whether or not any claim asserted against us will have a material adverse effect on our results of operations in any future reporting period, which will depend on, amount other things, the amount of loss resulting from the claim and the amount of income otherwise reported for the reporting period. Thus, at September 30, 2019, we are unable to provide an evaluation of the likelihood of an unfavorable outcome or an estimate of the amount or range of potential loss with respect to such other matters and, accordingly, have not yet established any specific accrual for such other matters. No material proceedings are pending or are known to be threatened or contemplated against us by governmental authorities. 

Reclassification

Reclassification	9 Months Ended
	Sep. 30, 2019
Reclassification [Abstract]
Reclassification	Note 14. Reclassification Certain prior period amounts may have been reclassified to conform to the current year presentation. Such reclassifications did not affect reported net income . 

Basis Of Presentation (Policy)

Basis Of Presentation (Policy)	9 Months Ended
	Sep. 30, 2019
Basis Of Presentation [Abstract]
Consolidation	 The consolidated financial statements include the accounts of Franklin Financial Services Corporation (the Corporation), and its wholly-owned subsidiaries, Farmers and Merchants Trust Company of Chambersburg (the Bank) and Franklin Future Fund Inc. Farmers and Merchants Trust Company of Chambersburg is a commercial bank that has one wholly-owned subsidiary, Franklin Financial Properties Corp. Franklin Financial Properties Corp. holds real estate assets that are leased by the Bank. Franklin Future Fund Inc. is a non-bank investment company. The activities of non-bank entities are not significant to the consolidated totals. All significant intercompany transactions and account balances have been eliminated. In the opinion of management, all adjustments (which include only normal recurring adjustments) necessary to present fairly the consolidated financial position, results of operations, and cash flows as of September 30, 2019 , and for all other periods presented have been made. Certain information and footnote disclosures normally included in consolidated financial statements prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) have been condensed or omitted. It is suggested that these consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Corporation’s 2018 Annual Report on Form 10-K. The consolidated results of operations for the three and nine month period ended September 30, 2019 are not necessarily indicative of the operating results for the full year. Management has evaluated subsequent events for potential recognition and/or disclosure through the date these consolidated financial statements were issued. The consolidated balance sheet at December 31, 2018 has been derived from the audited consolidated financial statements at that date, but does not include all of the information and footnotes required by GAAP for complete consolidated financial statements. For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks, interest-bearing deposits in other banks and federal funds sold. Generally, federal funds are purchased and sold for one-day periods.
Earnings Per Share	Earnings per share are computed based on the weighted average number of shares outstanding during each period end. A reconciliation of the weighted average shares outstanding used to calculate basic earnings per share and diluted earnings per share follows:     For the Three Months Ended For the Nine Months Ended  September 30, September 30,  (Dollars and shares in thousands, except per share data) 2019 2018 2019 2018  Weighted average shares outstanding (basic) 4,347 4,391 4,385 4,375  Impact of common stock equivalents 18 21 21 24  Weighted average shares outstanding (diluted) 4,365 4,412 4,406 4,399  Anti-dilutive options excluded from calculation 7 — 20 —  Net income $ 4,499 $ 4,000 $ 11,720 $ 2,321  Basic earnings (loss) per share $ 1.04 $ 0.91 $ 2.67 $ 0.53  Diluted earnings (loss) per share $ 1.03 $ 0.91 $ 2.66 $ 0.53 

Basis Of Presentation (Tables)

Basis Of Presentation (Tables)	9 Months Ended
	Sep. 30, 2019
Basis Of Presentation [Abstract]
Schedule Of Earnings Per Share, Basic And Diluted	  For the Three Months Ended For the Nine Months Ended  September 30, September 30,  (Dollars and shares in thousands, except per share data) 2019 2018 2019 2018  Weighted average shares outstanding (basic) 4,347 4,391 4,385 4,375  Impact of common stock equivalents 18 21 21 24  Weighted average shares outstanding (diluted) 4,365 4,412 4,406 4,399  Anti-dilutive options excluded from calculation 7 — 20 —  Net income $ 4,499 $ 4,000 $ 11,720 $ 2,321  Basic earnings (loss) per share $ 1.04 $ 0.91 $ 2.67 $ 0.53  Diluted earnings (loss) per share $ 1.03 $ 0.91 $ 2.66 $ 0.53 

Recent Accounting Pronounceme_2

Recent Accounting Pronouncements (Tables)	9 Months Ended
	Sep. 30, 2019
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	  Standard Description Effective Date Effect on the financial statements or other significant matters   ASU 2016-02, Leases (Topic 842) and all subsequently issued amendments In February 2016, the FASB issued ASU 2016-02, "Leases (Subtopic 842)." This ASU requires all lessees to recognize a lease liability and a right-of-use asset, measured at the present value of the future minimum lease payments, at the lease commencement date. Lessor accounting remains largely unchanged under the new guidance. FASB subsequently issued various amendments that provided implementation guidance designed to provide entities with relief from the costs of implementing certain aspects of the new standard. From the lessee's perspective, the new standard requires a lessee to record a right-of-use asset and a lease liability on the balance sheet for all leases. Leases will be classified as either finance or operating, with classification affecting the pattern of expense recognition in the income statement for lessees. ASU 2016-02 and all subsequent amendments were effective for fiscal years, including interim periods, beginning after December 15, 2018. January 1, 2019 The Corporation adopted ASU 2016-02, "Leases (Topic 842)" and all subsequent amendments on January 1, 2019 using the modified retrospective approach, and it did not have a material effect on its consolidated results of operations. Adoption of the new standard resulted in the recognition of a lease liability and a right-of-use asset of $6.2 million without a cumulative effect adjustment to retained earnings. The Corporation did not restate any prior period results. The Corporation adopted the package of practical expedients offered in ASU 2016-02 and therefore, existing lease classifications were not reassessed, expired or existing contracts were not reassessed for a lease, and the initial direct costs for any existing leases were not reassessed. In addition to the package of practical expedients, the Corporation also utilized other practical expedients offered: (1) the hindsight expedient which allows entities to use hindsight to determine the lease term was not adopted, (2) leases, for all underlying asset classes, with a term less than 12 months and no purchase option were excluded, (3) the option to not separate lease and non-lease components and account for them as a single component was adopted for real estate leases, and (4) the option to not apply lease accounting to existing land easements was adopted. See Note 7 for additional information on the adoption of the new standard.   ASU 2018-13, Disclosure Framework (Topic 820) This guidance eliminates, adds and modifies certain disclosure requirements for fair value measurements. Among the changes, entities will no longer be required to disclose the amount of and reason for transfers between Level 1 and Level 2 of the fair value hierarchy, but will be required to disclose the range and weighted average used to develop significant unobservable inputs for Level 3 fair value measurements. January 1, 2019 The Corporation adopted the standard on January 1, 2019 and it did not have a material effect on its consolidated results of operations.   ASU 2018-15, Accounting for Implementation Costs in a Cloud Computing Arrangement (Topic 350) This ASU required an entity in a cloud computing arrangement (i.e., hosting arrangement) that is a service contract to follow the internal-use software guidance in ASC 350-40 to determine which implementation costs to capitalize as assets or expense as incurred. Capitalized implementation costs should be presented in the same line item on the balance sheet as amounts prepaid for the hosted service, if any (generally as an "other asset"). The capitalized costs will be amortized over the term of the hosting arrangement, with the amortization expense being presented in the same income statement line item as the fees paid for the hosted service. The ASU is effective January 1, 2020 with early adoption permitted. January 1, 2020 The Corporation adopted the standard on January 1, 2019 and it did not have a material effect on its consolidated results of operations.   ASU 2017-04, Goodwill (Topic 350) This guidance, among other things, removes step 2 of the goodwill impairment test thus eliminating the need to determine the fair value of individual assets and liabilities of the reporting unit. Upon adoption of this standard, goodwill impairment will be the amount by which a reporting unit's carrying value exceeds its fair value, not to exceed the carrying amount of goodwill. This may result in more or less impairment being recognized than under the current guidance. Early adoption is permitted for any impairment tests performed after January 1, 2017, applied prospectively. January 1, 2020 The Corporation early adopted the ASU in the fourth quarter of 2018 with the completion of the 2018 impairment analysis. The ASU did not have a material effect on the consolidated financial statements.   ASU 2018-14, Disclosure Framework (Topic 715): Changes to the Disclosure Requirements for Defined Benefit Plans This ASU makes minor changes to the disclosure requirements for employers that sponsor defined benefit pension and/or other postretirement benefit plans. ASU 2018-14 is effective for fiscal years ending after December 15, 2020; early adoption is permitted. January 1, 2020 The Corporation will adopt the provisions of the ASU on January 1, 2020. As the ASU only revises disclosure requirements, it is not expected to have a material effect on the consolidated financial statements.   ASU 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments This standard requires credit losses on most financial assets measured at amortized cost and certain other instruments to be measured using an expected credit loss model (referred to as the current expected credit loss (CECL) model). Under this model, entities will estimate credit losses over the entire contractual term of the instrument (considering estimated prepayments, but not expected extensions or modifications unless reasonable expectation of a troubled debt restructuring exists) from the date of initial recognition of that instrument. The ASU replaces the current accounting model for purchased credit impaired loans and debt securities. The allowance for credit losses for purchased financial assets with a more-than insignificant amount of credit deterioration since origination (“PCD assets”), should be determined in a similar manner to other financial assets measured on an amortized cost basis. However, upon initial recognition, the allowance for credit losses is added to the purchase price (“gross up approach”) to determine the initial amortized cost basis. The subsequent accounting for PCD financial assets is the same expected loss model described above. January 1, 2023 We have formed an implementation team led by the Corporation's Risk Management function. The team is reviewing the requirements of the ASU and evaluating methods and models for implementation. The new standard will result in earlier recognition of additions to the allowance for loan losses and possibly a larger allowance for loan loss balance with a corresponding increase in the provision for loan losses in results of operations; however, the Corporation is continuing to evaluate the impact of the pending adoption of the new standard on its consolidated financial statements. A third-party vendor has been selected to assist with the CECL calculations and the implementation process has started. The Corporation began running the CECL model in test mode in the second quarter of 2019.   ASU 2019-05, Financial Instruments - Credit Losses (Topic 326): Targeted Transition Relief This ASU allows entities to irrevocably elect, upon adoption of ASU 2016-13, the fair value option on financial instruments that (1) were previously recorded at amortized cost and (2) are within the scope of ASC 326-20 if the instruments are eligible for the fair value option under ASC 825-10. The fair value option election does not apply to held-to-maturity debt securities. Entities are required to make this election on an instrument-by-instrument basis. ASU 2019-05 has the same effective date as ASU 2016-13. January 1, 2023 The Corporation will continue to review the ASU as part of its adoption of ASU 2016-13   On October 16, 2019, FASB approved its August 2019 proposal to grant certain small public companies a delay in the effective date of ASU 2016-13. For the Corporation, the delay would make the ASU effective January 2023. The final ASU containing this decision is expected in November 2019. Since the Corporation currently meets the SEC definition of a small reporting company, the delay will be applicable to the Corporation. Early adoption is permitted. 

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Loss (Tables)	9 Months Ended
	Sep. 30, 2019
Accumulated Other Comprehensive Loss [Abstract]
Schedule Of Accumulated Other Comprehensive Loss	   September 30, December 31,  2019 2018  (Dollars in thousands)  Net unrealized gains (losses) on debt securities $ 1,867 $ (1,100)  Tax effect (392) 230  Net of tax amount 1,475 (870)   Accumulated pension adjustment (6,975) (6,975)  Tax effect 1,465 1,465  Net of tax amount (5,510) (5,510)   Total accumulated other comprehensive loss $ (4,035) $ (6,380) 

Investments (Tables)

Investments (Tables)	9 Months Ended
	Sep. 30, 2019
Investments [Abstract]
Unrealized Gain (Loss) On Investments	    (Dollars in thousands) Gross Gross  Amortized unrealized unrealized Fair  September 30, 2019 cost gains losses value  U.S. Government and Agency securities $ 9,697 $ 49 $ (19) $ 9,727  Municipal securities 73,092 1,857 (258) 74,691  Trust preferred securities 4,091 — (178) 3,913  Agency mortgage-backed securities 50,372 608 (104) 50,876  Private-label mortgage-backed securities 420 36 — 456  Asset-backed securities 7,789 — (124) 7,665  $ 145,461 $ 2,550 $ (683) $ 147,328      (Dollars in thousands) Gross Gross  Amortized unrealized unrealized Fair  December 31, 2018 cost gains losses value  U.S. Government and Agency securities $ 9,120 $ 21 $ (65) $ 9,076  Municipal securities 67,811 320 (484) 67,647  Trust preferred securities 4,074 — (316) 3,758  Agency mortgage-backed securities 45,241 65 (648) 44,658  Private-label mortgage-backed securities 457 31 — 488  Asset-backed securities 5,869 — (24) 5,845  $ 132,572 $ 437 $ (1,537) $ 131,472 
Amortized Cost And Fair Value Of Debt Securities, By Contractual Maturity	   (Dollars in thousands) Amortized cost Fair value  Due in one year or less $ 17,427 $ 17,514  Due after one year through five years 18,193 18,349  Due after five years through ten years 43,931 44,923  Due after ten years 15,118 15,210  94,669 95,996  Mortgage-backed securities 50,792 51,332  $ 145,461 $ 147,328 
Composition Of Net Realized Securities Gains	  For the Three Months Ended For the Nine Months Ended  September 30, September 30,  (Dollars in thousands) 2019 2018 2019 2018  Proceeds $ 1,826 $ 304 $ 18,781 $ 4,115   Gross gains realized 4 5 285 67  Gross losses realized (1) — (29) (11)  Net gains (losses) realized $ 3 $ 5 $ 256 $ 56   Tax (provision) benefit on net gains (losses) realized $ (1) $ (1) $ (54) $ (12) 
Schedule Of Unrealized Loss On Investments	   September 30, 2019  Less than 12 months 12 months or more Total  Fair Unrealized Fair Unrealized Fair Unrealized  (Dollars in thousands) Value Losses Count Value Losses Count Value Losses Count   U.S. Government and Agency securities $ 2,263 $ (10) 7 $ 1,516 $ (9) 8 $ 3,779 $ (19) 15  Municipal securities 13,737 (226) 15 3,166 (32) 5 16,903 (258) 20  Trust preferred securities — — — 3,913 (178) 5 3,913 (178) 5  Agency mortgage-backed securities 8,073 (47) 14 8,568 (57) 31 16,641 (104) 45  Asset-backed securities 4,759 (73) 5 2,906 (51) 5 7,665 (124) 10  Total temporarily impaired securities $ 28,832 $ (356) 41 $ 20,069 $ (327) 54 $ 48,901 $ (683) 95       December 31, 2018  Less than 12 months 12 months or more Total  Fair Unrealized Fair Unrealized Fair Unrealized  (Dollars in thousands) Value Losses Count Value Losses Count Value Losses Count   U.S. Government and Agency securities $ 2,071 $ (6) 2 $ 5,175 $ (59) 14 $ 7,246 $ (65) 16  Municipal securities 5,832 (12) 10 25,091 (472) 42 30,923 (484) 52  Trust preferred securities 2,008 (159) 3 1,750 (157) 2 3,758 (316) 5  Agency mortgage-backed securities 7,687 (46) 16 30,511 (602) 74 38,198 (648) 90  Asset-backed securities 5,826 (22) 6 19 (2) 2 5,845 (24) 8  Total temporarily impaired securities $ 23,424 $ (245) 37 $ 62,546 $ (1,292) 134 $ 85,970 $ (1,537) 171  
Other Than Temporary Impairment, Credit Losses Recognized In Earnings	   Nine Months Ended  (Dollars in thousands) September 30,  2019 2018  Balance of cumulative credit-related OTTI at January 1 $ 272 $ 595  Additions for credit-related OTTI not previously recognized — —  Additional increases for credit-related OTTI previously recognized when there is  no intent to sell and no requirement to sell before recovery of amortized cost basis — —  Decreases for previously recognized credit-related OTTI because there was an intent to sell — —  Reduction for increases in cash flows expected to be collected — —  Balance of credit-related OTTI at September 30 $ 272 $ 595  

Loans (Tables)

Loans (Tables)	9 Months Ended
	Sep. 30, 2019
Loans [Abstract]
Schedule Of Loans Outstanding	   September 30, December 31,  (Dollars in thousands) 2019 2018  Residential Real Estate 1-4 Family  Consumer first liens $ 86,985 $ 89,673  Commercial first lien 60,348 59,227  Total first liens 147,333 148,900   Consumer junior liens and lines of credit 41,186 42,504  Commercial junior liens and lines of credit 4,790 4,716  Total junior liens and lines of credit 45,976 47,220  Total residential real estate 1-4 family 193,309 196,120   Residential real estate - construction  Consumer 4,413 1,667  Commercial 8,385 8,558  Total residential real estate construction 12,798 10,225   Commercial real estate 487,807 487,980  Commercial 236,992 274,054  Total commercial 724,799 762,034   Consumer 6,309 4,996  937,215 973,375  Less: Allowance for loan losses (12,182) (12,415)  Net Loans $ 925,033 $ 960,960   Included in the loan balances are the following:  Net unamortized deferred loan (fees) costs $ 123 $ 123   Loans pledged as collateral for borrowings and commitments from:  FHLB $ 766,299 $ 772,564  Federal Reserve Bank 32,393 34,160  $ 798,692 $ 806,724 

Loan Quality and Allowance fo_2

Loan Quality and Allowance for Loan Losses (Tables)	9 Months Ended
	Sep. 30, 2019
Loan Quality And Allowance for Loan Losses [Abstract]
Allowance For Loan Losses, By Loan Segment	The following table presents, by class, the activity in the Allowance for Loan Losses (ALL) for the periods shown:    Residential Real Estate 1-4 Family  First Junior Liens & Commercial  (Dollars in thousands) Liens Lines of Credit Construction Real Estate Commercial Consumer Unallocated Total   ALL at June 30, 2019 $ 437 $ 113 $ 162 $ 5,867 $ 4,514 $ 95 $ 1,365 $ 12,553  Charge-offs — — (120) (169) (17) (27) — (333)  Recoveries 1 — — 1 111 11 — 124  Provision 2 1 138 133 (619) 2 181 (162)  ALL at September 30, 2019 $ 440 $ 114 $ 180 $ 5,832 $ 3,989 $ 81 $ 1,546 $ 12,182   ALL at December 31, 2018 $ 491 $ 133 $ 108 $ 5,698 $ 4,511 $ 70 $ 1,404 $ 12,415  Charge-offs (34) (1) (123) (355) (92) (78) — (683)  Recoveries 4 1 — 22 162 24 — 213  Provision (21) (19) 195 467 (592) 65 142 237  ALL at September 30, 2019 $ 440 $ 114 $ 180 $ 5,832 $ 3,989 $ 81 $ 1,546 $ 12,182   ALL at June 30, 2018 $ 1,022 $ 318 $ 282 $ 7,028 $ 2,233 $ 107 $ 1,492 $ 12,482  Charge-offs - — — — (208) (23) — (231)  Recoveries - — — 1 19 5 — 25  Provision (16) (4) (4) 242 122 12 (102) 250  ALL at September 30, 2018 $ 1,006 $ 314 $ 278 $ 7,271 $ 2,166 $ 101 $ 1,390 $ 12,526   ALL at December 31, 2017 $ 1,060 $ 330 $ 224 $ 6,526 $ 2,110 $ 105 $ 1,437 $ 11,792  Charge-offs - — — — (8,944) (78) — (9,022)  Recoveries 1 — — 17 135 24 — 177  Provision (55) (16) 54 728 8,865 50 (47) 9,579  ALL at September 30, 2018 $ 1,006 $ 314 $ 278 $ 7,271 $ 2,166 $ 101 $ 1,390 $ 12,526   The following table presents, by class, loans that were evaluated for the ALL under the specific reserve (individually) and those that were evaluated under the general reserve (collectively) and the amount of the ALL established in each class as of September 30, 2019 and December 31, 2018 :     Residential Real Estate 1-4 Family  First Junior Liens & Commercial  (Dollars in thousands) Liens Lines of Credit Construction Real Estate Commercial Consumer Unallocated Total   September 30, 2019  Loans evaluated for ALL:  Individually $ 395 $ — $ 525 $ 12,139 $ — $ — $ — $ 13,059  Collectively 146,938 45,976 12,273 475,668 236,992 6,309 — 924,156  Total $ 147,333 $ 45,976 $ 12,798 $ 487,807 $ 236,992 $ 6,309 $ — $ 937,215   ALL established for loans evaluated:  Individually $ — $ — $ — $ — $ — $ — $ — $ —  Collectively 440 114 180 5,832 3,989 81 1,546 12,182  ALL at September 30, 2019 $ 440 $ 114 $ 180 $ 5,832 $ 3,989 $ 81 $ 1,546 $ 12,182   December 31, 2018  Loans evaluated for ALL:  Individually $ 405 $ — $ 455 $ 10,099 $ 181 $ — $ — $ 11,140  Collectively 148,495 47,220 9,770 477,881 273,873 4,996 — 962,235  Total $ 148,900 $ 47,220 $ 10,225 $ 487,980 $ 274,054 $ 4,996 $ — $ 973,375   ALL established for loans evaluated:  Individually $ — $ — $ — $ — $ — $ — $ — $ —  Collectively 491 133 108 5,698 4,511 70 1,404 12,415  ALL at December 31, 2018 $ 491 $ 133 $ 108 $ 5,698 $ 4,511 $ 70 $ 1,404 $ 12,415 
Impaired Financing Receivables	The following table shows additional information about those loans considered to be impaired at September 30, 2019 and December 31, 2018 :    Impaired Loans  With No Allowance With Allowance  (Dollars in thousands) Unpaid Unpaid  Recorded Principal Recorded Principal Related  September 30, 2019 Investment Balance Investment Balance Allowance  Residential Real Estate 1-4 Family  First liens $ 395 $ 395 $ — $ — $ —  Junior liens and lines of credit — — — — —  Total 395 395 — — —  Residential real estate - construction 525 729 — — —  Commercial real estate 12,139 13,060 — — —  Commercial — — — — —  Total $ 13,059 $ 14,184 $ — $ — $ —     December 31, 2018  Residential Real Estate 1-4 Family  First liens $ 871 $ 958 $ — $ — $ —  Junior liens and lines of credit 49 49 — — —  Total 920 1,007 — — —  Residential real estate - construction 455 531 — — —  Commercial real estate 10,236 10,808 — — —  Commercial 315 9,763 — — —  Total $ 11,926 $ 22,109 $ — $ — $ —  The following table shows the average of impaired loans and related interest income for the three and nine months ended September 30, 2019 and 2018 :    Three Months Ended Nine Months Ended  September 30, 2019 September 30, 2019  Average Interest Average Interest  (Dollars in thousands) Recorded Income Recorded Income  Investment Recognized Investment Recognized  Residential Real Estate 1-4 Family  First liens $ 396 $ 6 $ 399 $ 18  Junior liens and lines of credit — — — —  Total 396 6 399 18  Residential real estate - construction 646 — 650 —  Commercial real estate 12,461 98 12,933 302  Commercial — — — —  Total $ 13,503 $ 104 $ 13,982 $ 320   Three Months Ended Nine Months Ended  September 30, 2018 September 30, 2018  Average Interest Average Interest  (Dollars in thousands) Recorded Income Recorded Income  Investment Recognized Investment Recognized  Residential Real Estate 1-4 Family  First liens $ 1,091 $ 10 $ 899 $ 31  Junior liens and lines of credit 268 2 750 2  Total 1,359 12 1,649 33  Residential real estate - construction 461 — 463 —  Commercial real estate 10,789 107 10,314 316  Commercial 3,465 — 5,284 —  Total $ 16,074 $ 119 $ 17,710 $ 349 
Aging Of Payments Of The Loan Portfolio	    (Dollars in thousands) Loans Past Due and Still Accruing Total  Current 30-59 Days 60-89 Days 90 Days+ Total Non-Accrual Loans  September 30, 2019  Residential Real Estate 1-4 Family  First liens $ 146,397 $ 557 $ 278 $ 101 $ 936 $ — $ 147,333  Junior liens and lines of credit 45,741 126 42 50 218 17 45,976  Total 192,138 683 320 151 1,154 17 193,309  Residential real estate - construction 12,273 — — — — 525 12,798  Commercial real estate 482,107 197 1,409 — 1,606 4,094 487,807  Commercial 236,542 236 88 — 324 126 236,992  Consumer 6,246 46 7 10 63 — 6,309  Total $ 929,306 $ 1,162 $ 1,824 $ 161 $ 3,147 $ 4,762 $ 937,215      December 31, 2018  Residential Real Estate 1-4 Family  First liens $ 148,183 $ 322 $ 202 $ 113 $ 637 $ 80 $ 148,900  Junior liens and lines of credit 47,040 131 — 26 157 23 47,220  Total 195,223 453 202 139 794 103 196,120  Residential real estate - construction 9,572 — 198 — 198 455 10,225  Commercial real estate 481,774 1,343 3,323 113 4,779 1,427 487,980  Commercial 273,534 65 40 100 205 315 274,054  Consumer 4,933 46 12 5 63 — 4,996  Total $ 965,036 $ 1,907 $ 3,775 $ 357 $ 6,039 $ 2,300 $ 973,375 
Internal Credit Rating For The Loan Portfolio	    Pass Special Mention Substandard Doubtful  (Dollars in thousands) (1-5) (6) (7) (8) Total   September 30, 2019  Residential Real Estate 1-4 Family  First liens $ 147,185 $ — $ 148 $ — $ 147,333  Junior liens and lines of credit 45,903 6 67 — 45,976  Total 193,088 6 215 — 193,309  Residential real estate - construction 12,273 — 525 — 12,798  Commercial real estate 475,059 5,221 7,527 — 487,807  Commercial 236,124 20 848 — 236,992  Consumer 6,298 — 11 — 6,309  Total $ 922,842 $ 5,247 $ 9,126 $ — $ 937,215       December 31, 2018  Residential Real Estate 1-4 Family  First liens $ 148,453 $ — $ 447 $ — $ 148,900  Junior liens and lines of credit 47,171 — 49 — 47,220  Total 195,624 — 496 — 196,120  Residential real estate - construction 9,572 — 653 — 10,225  Commercial real estate 479,969 660 7,351 — 487,980  Commercial 272,959 — 1,095 — 274,054  Consumer 4,991 — 5 — 4,996  Total $ 963,115 $ 660 $ 9,600 $ — $ 973,375 
Troubled Debt Restructuring Loans	   Troubled Debt Restructurings  Within the Last 12 Months  That Have Defaulted  (Dollars in thousands) Troubled Debt Restructurings On Modified Terms  Number of Recorded Number of Recorded  Contracts Investment Performing* Nonperforming* Contracts Investment  September 30, 2019  Residential real estate - construction 1 $ 446 $ 446 $ — — $ —  Residential real estate 4 664 664 — — —  Commercial real estate 11 9,467 9,467 — — —  Total 16 $ 10,577 $ 10,577 $ — — $ —    December 31, 2018  Residential real estate - construction 1 $ 455 $ — $ 455 — $ —  Residential real estate 4 678 678 — — —  Commercial real estate 11 10,099 8,809 1,290 — —  Total 16 $ 11,232 $ 9,487 $ 1,745 — $ —  * The performing status is determined by the loan’s compliance with the modified terms .

Leases (Tables)

Leases (Tables)	9 Months Ended
	Sep. 30, 2019
Leases [Abstract]
Schedule Of Lease Costs	  Three Months Ended Nine Months Ended  (Dollars in thousands) September 30, 2019 September 30, 2019  Operating lease cost $ 183 $ 555  Short-term lease cost 7 19  Variable lease cost 13 36  Total lease cost $ 203 $ 610 
Schedule Of Measurement Of Lease Liabilities	  Nine Months Ended  (Dollars in thousands) September 30, 2019  Cash paid for amounts included in the measurement of lease liabilities:  Operating cash flows from operating leases $ 375   Weighted-average remaining lease term (years) 12.8  Weighted-average discount rate 3.52% 
Schedule Of Future Minimum Payments Operating Leases	  (Dollars in thousands)   2019 $ 177  2020 674  2021 651  2022 567  2023 527  2024 and beyond 4,380  Total undiscounted cash flows 6,976  Discounted cash flows (1,433)  Total lease liability $ 5,543 

Other Real Estate Owned (Tables

Other Real Estate Owned (Tables)	9 Months Ended
	Sep. 30, 2019
Other Real Estate Owned [Abstract]
Summary Of Changes In Other Real Estate Owned	  Three Months Ended Nine Months Ended  September 30, September 30,  (Dollars in thousands) 2019 2018 2019 2018  Balance at beginning of the period $ 2,684 $ 2,592 $ 2,684 $ 2,598  Additions 80 105 80 105  Proceeds from dispositions (74) (32) (74) (32)  Gains on sales, net 9 — 9 —  Valuation adjustment (6) — (6) (6)  Balance at the end of the period $ 2,693 $ 2,665 $ 2,693 $ 2,665 

Pension (Tables)

Pension (Tables)	9 Months Ended
	Sep. 30, 2019
Pension [Abstract]
Schedule Of Net Periodic Pension Costs	  Three Months Ended Nine Months Ended  September 30, September 30,  (Dollars in thousands) 2019 2018 2019 2018  Components of net periodic cost:  Service cost $ 82 $ 90 $ 243 $ 270  Interest cost 157 138 473 414  Expected return on plan assets (272) (279) (814) (837)  Recognized net actuarial loss 133 176 419 528  Total pension expense $ 100 $ 125 $ 321 $ 375 

Fair Value Measurements And F_2

Fair Value Measurements And Fair Values Of Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 2019
Fair Value Measurements And Fair Values Of Financial Instruments [Abstract]
Schedule Of Fair Value, Assets And Liabilities Measured On Recurring Basis	  (Dollars in Thousands Fair Value at September 30, 2019  Asset Description Level 1 Level 2 Level 3 Total  Equity securities, at fair value $ 384 $ — $ — $ 384   Available for sale:  U.S. Government and Agency securities — 9,727 — 9,727  Municipal securities — 74,691 — 74,691  Trust Preferred Securities — 3,913 — 3,913  Agency mortgage-backed securities — 50,876 — 50,876  Private-label mortgage-backed securities — 456 — 456  Asset-backed securities — 7,665 — 7,665  Total assets $ 384 $ 147,328 $ — $ 147,712       (Dollars in Thousands) Fair Value at December 31, 2018  Asset Description Level 1 Level 2 Level 3 Total  Equity securities, at fair value $ 374 $ — $ — $ 374   Available for sale:  U.S. Government and Agency securities — 9,076 — 9,076  Municipal securities — 67,647 — 67,647  Trust Preferred Securities — 3,758 — 3,758  Agency mortgage-backed securities — 44,658 — 44,658  Private-label mortgage-backed securities — 488 — 488  Asset-backed securities — 5,845 — 5,845  Total assets $ 374 $ 131,472 $ — $ 131,846  
Schedule Of Fair Value On A Nonrecurring Basis	    (Dollars in Thousands) Fair Value at September 30, 2019  Asset Description Level 1 Level 2 Level 3 Total  Impaired loans (1) $ — $ — $ 2,751 $ 2,751  Total assets $ — $ — $ 2,751 $ 2,751      (Dollars in Thousands) Fair Value at December 31, 2018  Asset Description Level 1 Level 2 Level 3 Total  Other real estate owned (1) $ — $ — $ 71 $ 71  Total assets $ — $ — $ 71 $ 71 (1) Includes assets directly charged-down to fair value during the year-to-date period. 
Fair Value Inputs, Assets, Quantitative Information	  (Dollars in Thousands) Range  September 30, 2019 Fair Value Valuation Technique Unobservable Input (Weighted Average)  Impaired loans (1) $ 2,751 Appraisal Appraisal Adjustments (2) 0% - 63% ( 40% )   (Dollars in Thousands)  December 31, 2018 Fair Value Valuation Technique Unobservable Input Weighted Average  Other real estate owned (1) $ 71 Appraisal Cost to sell 8% ( 8% )   (1) Includes assets directly charged-down to fair value during the year-to-date period.  
Fair Value, By Balance Sheet Grouping	   September 30, 2019  Carrying Fair  (Dollars in thousands) Amount Value Level 1 Level 2 Level 3  Financial assets, carried at cost:  Cash and cash equivalents $ 150,134 $ 150,134 $ 150,134 $ — $ —  Long-term interest-bearing deposits in other banks 9,496 9,496 9,496 — —  Restricted stock 465 465 — 465 —  Loans held for sale 1,929 1,929 — 1,929 —  Net loans 925,033 922,071 — — 922,071  Accrued interest receivable 3,452 3,452 — 3,452 —   Financial assets, available for sale  Debt securities 147,328 147,328 — 147,328 —   Financial assets, fair value  Equity securities 384 384 384 — —   Financial liabilities:  Deposits $ 1,159,601 $ 1,160,014 $ — $ 1,160,014 $ —  Accrued interest payable 391 391 — 391 —   December 31, 2018  Carrying Fair  (Dollars in thousands) Amount Value Level 1 Level 2 Level 3  Financial assets, carried at cost:  Cash and cash equivalents $ 52,957 $ 52,957 $ 52,957 $ — $ —  Restricted stock 452 452 — 452 —  Loans held for sale 118 118 — 118 —  Net loans 960,960 941,930 — — 941,930  Accrued interest receivable 4,103 4,103 — 4,103 —   Financial assets, available for sale  Debt securities 131,472 131,472 — 131,472 —   Financial assets, fair value  Equity securities 374 374 374 — —   Financial liabilities:  Deposits $ 1,082,629 $ 1,082,425 $ — $ 1,082,425 $ —  Accrued interest payable 193 193 — 193 —  

Capital Ratios (Tables)

Capital Ratios (Tables)	9 Months Ended
	Sep. 30, 2019
Capital Ratios [Abstract]
Schedule Of The Total Risk-based, Tier 1 Risk-based And Tier 1 Leverage Requirements	  Regulatory Ratios  Adequately Well  September 30, December 31, Capitalized Capitalized  (Dollars in thousands) 2019 2018 Minimum Minimum   Common Equity Tier 1 Risk-based Capital Ratio (1)  Franklin Financial Services Corporation 14.53% 13.96% N/A N/A  Farmers & Merchants Trust Company 14.27% 13.80% 4.500% 6.50%   Tier 1 Risk-based Capital Ratio (2)  Franklin Financial Services Corporation 14.53% 13.96% N/A N/A  Farmers & Merchants Trust Company 14.27% 13.80% 6.000% 8.00%   Total Risk-based Capital Ratio (3)  Franklin Financial Services Corporation 15.80% 15.21% N/A N/A  Farmers & Merchants Trust Company 15.52% 15.06% 8.000% 10.00%   Tier 1 Leverage Ratio (4)  Franklin Financial Services Corporation 9.45% 9.78% N/A N/A  Farmers & Merchants Trust Company 9.28% 9.68% 4.000% 5.00%   (1) Common equity Tier 1 capital/ total risk-weighted assets (2) Tier 1 capital / total risk-weighted assets  (3) Total risk-based capital / total risk-weighted assets, (4) Tier 1 capital / average quarterly assets 

Commitments And Contingencies (

Commitments And Contingencies (Tables)	9 Months Ended
	Sep. 30, 2019
Commitments And Contingencies [Abstract]
Outstanding Commitments	  September 30, December 31,  (Dollars in thousands) 2019 2018  Financial instruments whose contract amounts represent credit risk  Commercial commitments to extend credit $ 259,711 $ 216,913  Consumer commitments to extend credit (secured) 52,823 49,221  Consumer commitments to extend credit (unsecured) 5,176 5,605  $ 317,710 $ 271,739  Standby letters of credit $ 26,743 $ 25,429 

Basis Of Presentation (Details)

Basis Of Presentation (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Basis Of Presentation [Abstract]
Weighted average shares outstanding (basic)	4,347	4,391	4,385	4,375
Impact of common stock equivalents	18	21	21	24
Weighted average shares outstanding (diluted)	4,365	4,412	4,406	4,399
Anti-dilutive options excluded from calculation	7		20
Net income	$ 4,499	$ 4,000	$ 11,720	$ 2,321
Basic earnings per share	$ 1.04	$ 0.91	$ 2.67	$ 0.53
Diluted earnings per share	$ 1.03	$ 0.91	$ 2.66	$ 0.53

Recent Accounting Pronounceme_3

Recent Accounting Pronouncements (Recent Accounting Pronouncements) (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2018	Sep. 30, 2019	Jan. 01, 2019
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Right-of-use asset		$ 5,515
Cumulative adjustment for fair value of equity securities
Accounting Standards Update 2016-02 [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Right-of-use asset			$ 6,200
Retained Earnings [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Cumulative adjustment for fair value of equity securities	201
Accumulated Other Comprehensive Loss [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Cumulative adjustment for fair value of equity securities	$ (201)

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Accumulated Other Comprehensive Loss [Abstract]
Net unrealized gains (losses) on debt securities	$ 1,867	$ (1,100)
Tax effect	(392)	230
Net of tax amount	1,475	(870)
Accumulated pension adjustment	(6,975)	(6,975)
Tax effect	1,465	1,465
Net of tax amount	(5,510)	(5,510)
Total accumulated other comprehensive loss	$ (4,035)	$ (6,380)

Investments (Narrative) (Detail

Investments (Narrative) (Details) $ / shares in Units, $ in Thousands	9 Months Ended
	Sep. 30, 2019USD ($)security$ / shares	Dec. 31, 2018USD ($)security
Investments [Abstract]
Number of temporarily impaired securities | security	95	171
Unrealized Losses	$ 683	$ 1,537
Number of investments | security	95
Equity securities held | security	1
Securities pledged as collateral	$ 115,500	84,600
Unrealized Gain (Loss) on Securities	(683)
Gross Unrealized Gain (Loss)	854,000
Other-than-temporary-impairment charges	48,900
Repurchased FHLB stock	$ 30
Price Per Share, FHLB Stock | $ / shares	$ 100
Restricted stock	$ 465	452
Equity securities	$ 384	$ 374

Investments (Unrealized Gain (l

Investments (Unrealized Gain (loss) On Investments) (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 145,461
Gross unrealized gains	2,550
Gross unrealized losses	(683)
Available for sale	147,328
Before Adoption Of ASU 2016-01 [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost		$ 132,572
Gross unrealized gains		437
Gross unrealized losses		(1,537)
Available for sale		131,472
U.S. Government And Agency Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	9,697	9,120
Gross unrealized gains	49	21
Gross unrealized losses	(19)	(65)
Available for sale	9,727	9,076
Municipal Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	73,092	67,811
Gross unrealized gains	1,857	320
Gross unrealized losses	(258)	(484)
Available for sale	74,691	67,647
Trust Preferred Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	4,091	4,074
Gross unrealized losses	(178)	(316)
Available for sale	3,913	3,758
Agency Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	50,372	45,241
Gross unrealized gains	608	65
Gross unrealized losses	(104)	(648)
Available for sale	50,876	44,658
Private-Label Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	420	457
Gross unrealized gains	36	31
Available for sale	456	488
Asset-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	7,789	5,869
Gross unrealized losses	(124)	(24)
Available for sale	$ 7,665	$ 5,845

Investments (Amortized Cost And

Investments (Amortized Cost And Fair Value Of Debt Securities, By Contractual Maturity) (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Investments [Abstract]
Due in one year or less, Amortized cost	$ 17,427
Due after one year through five years, Amortized cost	18,193
Due after five years through ten years, Amortized cost	43,931
Due after ten years, Amortized cost	15,118
Amortized Cost Contractual Maturities Subtotal	94,669
Mortgage-backed securities, Amortized cost	50,792
Available-for-sale Securities, Debt Maturities, Amortized cost	145,461
Due in one year or less, Fair value	17,514
Due after one year through five years, Fair value	18,349
Due after five years through ten years, Fair value	44,923
Due after ten years, Fair value	15,210
Fair Value Contractual Maturities Subtotal	95,996
Mortgage-backed securities, Fair value	51,332
Available-for-sale Securities, Debt Securities, Fair Value	$ 147,328	$ 131,472

Investments (Composition Of Net

Investments (Composition Of Net Realized Securities Gains) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Investments [Abstract]
Proceeds	$ 1,826	$ 304	$ 18,781	$ 4,115
Gross gains realized	4	5	285	67
Gross losses realized	(1)		(29)	(11)
Net gains (losses) realized	3	5	256	56
Tax (provision) benefit on net gains (losses) realized	$ (1)	$ (1)	$ (54)	$ (12)

Investments (Schedule Of Unreal

Investments (Schedule Of Unrealized Loss On Investments) (Details) $ in Thousands	Sep. 30, 2019USD ($)security	Dec. 31, 2018USD ($)security
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 28,832	$ 23,424
Less than 12 months: Unrealized Losses	$ (356)	$ (245)
Less than 12 months: Count | security	41	37
12 months or more: Fair Value	$ 20,069	$ 62,546
12 months or more: Unrealized Losses	$ (327)	$ (1,292)
12 months or more: Count | security	54	134
Fair Value	$ 48,901	$ 85,970
Unrealized Losses	$ (683)	$ (1,537)
Count | security	95	171
U.S. Government And Agency Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 2,263	$ 2,071
Less than 12 months: Unrealized Losses	$ (10)	$ (6)
Less than 12 months: Count | security	7	2
12 months or more: Fair Value	$ 1,516	$ 5,175
12 months or more: Unrealized Losses	$ (9)	$ (59)
12 months or more: Count | security	8	14
Fair Value	$ 3,779	$ 7,246
Unrealized Losses	$ (19)	$ (65)
Count | security	15	16
Municipal Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 13,737	$ 5,832
Less than 12 months: Unrealized Losses	$ (226)	$ (12)
Less than 12 months: Count | security	15	10
12 months or more: Fair Value	$ 3,166	$ 25,091
12 months or more: Unrealized Losses	$ (32)	$ (472)
12 months or more: Count | security	5	42
Fair Value	$ 16,903	$ 30,923
Unrealized Losses	$ (258)	$ (484)
Count | security	20	52
Trust Preferred Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value		$ 2,008
Less than 12 months: Unrealized Losses		$ (159)
Less than 12 months: Count | security		3
12 months or more: Fair Value	$ 3,913	$ 1,750
12 months or more: Unrealized Losses	$ (178)	$ (157)
12 months or more: Count | security	5	2
Fair Value	$ 3,913	$ 3,758
Unrealized Losses	$ (178)	$ (316)
Count | security	5	5
Agency Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 8,073	$ 7,687
Less than 12 months: Unrealized Losses	$ (47)	$ (46)
Less than 12 months: Count | security	14	16
12 months or more: Fair Value	$ 8,568	$ 30,511
12 months or more: Unrealized Losses	$ (57)	$ (602)
12 months or more: Count | security	31	74
Fair Value	$ 16,641	$ 38,198
Unrealized Losses	$ (104)	$ (648)
Count | security	45	90
Asset-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 4,759	$ 5,826
Less than 12 months: Unrealized Losses	$ (73)	$ (22)
Less than 12 months: Count | security	5	6
12 months or more: Fair Value	$ 2,906	$ 19
12 months or more: Unrealized Losses	$ (51)	$ (2)
12 months or more: Count | security	5	2
Fair Value	$ 7,665	$ 5,845
Unrealized Losses	$ (124)	$ (24)
Count | security	10	8

Investments (Other Than Tempora

Investments (Other Than Temporary Impairment, Credit Losses Recognized In Earnings) (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Investments [Abstract]
Balance of cumulative credit-related OTTI at January 1	$ 272	$ 595
Additions for credit-related OTTI not previously recognized
Additional increases for credit-related OTTI previously recognized when there is no intent to sell and no requirement to sell before recovery of amortized cost basis
Decreases for previously recognized credit-related OTTI because there was an intent to sell
Reduction for increases in cash flows expected to be collected
Balance of credit-related OTTI at September 30	$ 272	$ 595

Loans (Schedule Of Loans Outsta

Loans (Schedule Of Loans Outstanding) (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 937,215	$ 973,375
Less: Allowance for loan losses	(12,182)	(12,415)
Net Loans	925,033	960,960
Net unamortized deferred loan (fees) costs	123	123
Loans pledged as collateral for borrowings and commitments from: FHLB	766,299	772,564
Loans pledged as collateral for borrowings and commitments from :Federal Reserve Bank	32,393	34,160
Total	798,692	806,724
Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	193,309	196,120
Residential Real Estate - Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	12,798	10,225
Less: Allowance for loan losses	(180)	(108)
Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	487,807	487,980
Less: Allowance for loan losses	(5,832)	(5,698)
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	236,992	274,054
Less: Allowance for loan losses	(3,989)	(4,511)
Total Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	724,799	762,034
Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	6,309	4,996
Less: Allowance for loan losses	(81)	(70)
Consumer First Liens [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	86,985	89,673
Consumer Junior Liens And Lines Of Credit [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	41,186	42,504
Consumer [Member] | Residential Real Estate - Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	4,413	1,667
Commercial First Lien [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	60,348	59,227
Commercial Junior Liens And Lines Of Credit [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	4,790	4,716
Commercial [Member] | Residential Real Estate - Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	8,385	8,558
First Liens [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	147,333	148,900
Less: Allowance for loan losses	(440)	(491)
Junior Lines And Lines Of Credit [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 45,976	$ 47,220

Loan Quality and Allowance fo_3

Loan Quality and Allowance for Loan Losses (Allowance For Loan Losses, By Loan Segment) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018	Dec. 31, 2018
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	$ 12,553	$ 12,482	$ 12,415	$ 11,792
Charge-offs	(333)	(231)	(683)	(9,022)
Recoveries	124	25	213	177
Provision	(162)	250	237	9,579
Allowance, Ending Balance	12,182	12,526	12,182	12,526
Loans evaluated for allowance individually	13,059		13,059		$ 11,140
Loans evaluated for allowance collectively	924,156		924,156		962,235
Total Loans	937,215		937,215		973,375
Allowance established for loan evaluated collectively	12,182		12,182		12,415
Total Allowance	12,182		12,182		12,415
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Loans	193,309		193,309		196,120
Residential Real Estate - Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	162	282	108	224
Charge-offs	(120)		(123)
Provision	138	(4)	195	54
Allowance, Ending Balance	180	278	180	278
Loans evaluated for allowance individually	525		525		455
Loans evaluated for allowance collectively	12,273		12,273		9,770
Total Loans	12,798		12,798		10,225
Allowance established for loan evaluated collectively	180		180		108
Total Allowance	180		180		108
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	5,867	7,028	5,698	6,526
Charge-offs	(169)		(355)
Recoveries	1	1	22	17
Provision	133	242	467	728
Allowance, Ending Balance	5,832	7,271	5,832	7,271
Loans evaluated for allowance individually	12,139		12,139		10,099
Loans evaluated for allowance collectively	475,668		475,668		477,881
Total Loans	487,807		487,807		487,980
Allowance established for loan evaluated collectively	5,832		5,832		5,698
Total Allowance	5,832		5,832		5,698
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	4,514	2,233	4,511	2,110
Charge-offs	(17)	(208)	(92)	(8,944)
Recoveries	111	19	162	135
Provision	(619)	122	(592)	8,865
Allowance, Ending Balance	3,989	2,166	3,989	2,166
Loans evaluated for allowance individually					181
Loans evaluated for allowance collectively	236,992		236,992		273,873
Total Loans	236,992		236,992		274,054
Allowance established for loan evaluated collectively	3,989		3,989		4,511
Total Allowance	3,989		3,989		4,511
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	95	107	70	105
Charge-offs	(27)	(23)	(78)	(78)
Recoveries	11	5	24	24
Provision	2	12	65	50
Allowance, Ending Balance	81	101	81	101
Loans evaluated for allowance collectively	6,309		6,309		4,996
Total Loans	6,309		6,309		4,996
Allowance established for loan evaluated collectively	81		81		70
Total Allowance	81		81		70
Unallocated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	1,365	1,492	1,404	1,437
Provision	181	(102)	142	(47)
Allowance, Ending Balance	1,546	1,390	1,546	1,390
Allowance established for loan evaluated collectively	1,546		1,546		1,404
Total Allowance	1,546		1,546		1,404
First Liens [Member] | Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	437	1,022	491	1,060
Charge-offs			(34)
Recoveries	1		4	1
Provision	2	(16)	(21)	(55)
Allowance, Ending Balance	440	1,006	440	1,006
Loans evaluated for allowance individually	395		395		405
Loans evaluated for allowance collectively	146,938		146,938		148,495
Total Loans	147,333		147,333		148,900
Allowance established for loan evaluated collectively	440		440		491
Total Allowance	440		440		491
Junior Liens & Lines Of Credit [Member] | Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	113	318	133	330
Charge-offs			(1)
Recoveries			1
Provision	1	(4)	(19)	(16)
Allowance, Ending Balance	114	$ 314	114	$ 314
Loans evaluated for allowance collectively	45,976		45,976		47,220
Total Loans	45,976		45,976		47,220
Allowance established for loan evaluated collectively	114		114		133
Total Allowance	$ 114		$ 114		$ 133

Loan Quality and Allowance fo_4

Loan Quality and Allowance for Loan Losses (Impaired Financing Receivables) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018	Dec. 31, 2018
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	$ 13,059		$ 13,059		$ 11,926
Unpaid Principal Balance With No Allowance	14,184		14,184		22,109
Average Recorded Investment	13,503	$ 16,074	13,982	$ 17,710
Interest Income Recognized	104	119	320	349
Residential Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	395		395		920
Unpaid Principal Balance With No Allowance	395		395		1,007
Average Recorded Investment	396	1,359	399	1,649
Interest Income Recognized	6	12	18	33
Residential Real Estate [Member] | First Liens [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	395		395		871
Unpaid Principal Balance With No Allowance	395		395		958
Average Recorded Investment	396	1,091	399	899
Interest Income Recognized	6	10	18	31
Residential Real Estate [Member] | Junior Liens & Lines Of Credit [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance					49
Unpaid Principal Balance With No Allowance					49
Average Recorded Investment		268		750
Interest Income Recognized		2		2
Residential Real Estate - Construction [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	525		525		455
Unpaid Principal Balance With No Allowance	729		729		531
Average Recorded Investment	646	461	650	463
Commercial Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	12,139		12,139		10,236
Unpaid Principal Balance With No Allowance	13,060		13,060		10,808
Average Recorded Investment	12,461	10,789	12,933	10,314
Interest Income Recognized	$ 98	107	$ 302	316
Commercial [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance					315
Unpaid Principal Balance With No Allowance					$ 9,763
Average Recorded Investment		$ 3,465		$ 5,284

Loan Quality and Allowance fo_5

Loan Quality and Allowance for Loan Losses (Aging Of Payments Of The Loan Portfolio) (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	$ 929,306	$ 965,036
Loans Past Due and Still Accruing	3,147	6,039
Non-accrual loans	4,762	2,300
Total Loans	937,215	973,375
30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	1,162	1,907
60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	1,824	3,775
90 Days+ Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	161	357
Residential Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	192,138	195,223
Loans Past Due and Still Accruing	1,154	794
Non-accrual loans	17	103
Total Loans	193,309	196,120
Residential Real Estate [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	683	453
Residential Real Estate [Member] | 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	320	202
Residential Real Estate [Member] | 90 Days+ Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	151	139
Residential Real Estate [Member] | First Liens [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	146,397	148,183
Loans Past Due and Still Accruing	936	637
Non-accrual loans		80
Total Loans	147,333	148,900
Residential Real Estate [Member] | First Liens [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	557	322
Residential Real Estate [Member] | First Liens [Member] | 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	278	202
Residential Real Estate [Member] | First Liens [Member] | 90 Days+ Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	101	113
Residential Real Estate [Member] | Junior Liens & Lines Of Credit [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	45,741	47,040
Loans Past Due and Still Accruing	218	157
Non-accrual loans	17	23
Total Loans	45,976	47,220
Residential Real Estate [Member] | Junior Liens & Lines Of Credit [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	126	131
Residential Real Estate [Member] | Junior Liens & Lines Of Credit [Member] | 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	42
Residential Real Estate [Member] | Junior Liens & Lines Of Credit [Member] | 90 Days+ Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	50	26
Residential Real Estate - Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	12,273	9,572
Loans Past Due and Still Accruing		198
Non-accrual loans	525	455
Total Loans	12,798	10,225
Residential Real Estate - Construction [Member] | 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing		198
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	482,107	481,774
Loans Past Due and Still Accruing	1,606	4,779
Non-accrual loans	4,094	1,427
Total Loans	487,807	487,980
Commercial Real Estate [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	197	1,343
Commercial Real Estate [Member] | 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	1,409	3,323
Commercial Real Estate [Member] | 90 Days+ Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing		113
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	236,542	273,534
Loans Past Due and Still Accruing	324	205
Non-accrual loans	126	315
Total Loans	236,992	274,054
Commercial [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	236	65
Commercial [Member] | 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	88	40
Commercial [Member] | 90 Days+ Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing		100
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	6,246	4,933
Loans Past Due and Still Accruing	63	63
Total Loans	6,309	4,996
Consumer [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	46	46
Consumer [Member] | 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	7	12
Consumer [Member] | 90 Days+ Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	$ 10	$ 5

Loan Quality and Allowance fo_6

Loan Quality and Allowance for Loan Losses (Internal Credit Rating For The Loan Portfolio) (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	$ 937,215	$ 973,375
Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	922,842	963,115
Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	5,247	660
Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	9,126	9,600
Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	193,309	196,120
Residential Real Estate [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	193,088	195,624
Residential Real Estate [Member] | Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	6
Residential Real Estate [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	215	496
Residential Real Estate [Member] | Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Residential Real Estate [Member] | First Liens [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	147,333	148,900
Residential Real Estate [Member] | First Liens [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	147,185	148,453
Residential Real Estate [Member] | First Liens [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	148	447
Residential Real Estate [Member] | First Liens [Member] | Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Residential Real Estate [Member] | Junior Liens & Lines Of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	45,976	47,220
Residential Real Estate [Member] | Junior Liens & Lines Of Credit [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	45,903	47,171
Residential Real Estate [Member] | Junior Liens & Lines Of Credit [Member] | Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	6
Residential Real Estate [Member] | Junior Liens & Lines Of Credit [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	67	49
Residential Real Estate [Member] | Junior Liens & Lines Of Credit [Member] | Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Residential Real Estate - Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	12,798	10,225
Residential Real Estate - Construction [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	12,273	9,572
Residential Real Estate - Construction [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	525	653
Residential Real Estate - Construction [Member] | Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	487,807	487,980
Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	475,059	479,969
Commercial Real Estate [Member] | Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	5,221	660
Commercial Real Estate [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	7,527	7,351
Commercial Real Estate [Member] | Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	236,992	274,054
Commercial [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	236,124	272,959
Commercial [Member] | Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	20
Commercial [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	848	1,095
Commercial [Member] | Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	6,309	4,996
Consumer [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	6,298	4,991
Consumer [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	11	5
Consumer [Member] | Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount

Loan Quality and Allowance fo_7

Loan Quality and Allowance for Loan Losses (Troubled Debt Restructuring Loans) (Details) $ in Thousands		9 Months Ended	12 Months Ended
		Sep. 30, 2019USD ($)itemcontract	Dec. 31, 2018USD ($)itemcontract
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts | contract		16	16
Troubled Debt Restructurings: Recorded Investment		$ 10,577	$ 11,232
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Number of Contracts | contract
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Recorded Investment
New During Period, Number of Contracts | item		0	0
Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	$ 10,577	$ 9,487
Nonperforming [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]		$ 1,745
Residential Real Estate - Construction [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts | contract		1	1
Troubled Debt Restructurings: Recorded Investment		$ 446	$ 455
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Number of Contracts | contract
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Recorded Investment
Residential Real Estate - Construction [Member] | Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	$ 446
Residential Real Estate - Construction [Member] | Nonperforming [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]		$ 455
Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts | contract		4	4
Troubled Debt Restructurings: Recorded Investment		$ 664	$ 678
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Number of Contracts | contract
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Recorded Investment
Residential Real Estate [Member] | Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	$ 664	$ 678
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts | contract		11	11
Troubled Debt Restructurings: Recorded Investment		$ 9,467	$ 10,099
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Number of Contracts | contract
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Recorded Investment
Commercial Real Estate [Member] | Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	$ 9,467	8,809
Commercial Real Estate [Member] | Nonperforming [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]		$ 1,290
[1]	The performing status is determined by the loan's compliance with the modified terms.

Leases (Narrative) (Details)

Leases (Narrative) (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Jan. 01, 2019
Right-of-use asset	$ 5,515
Lease liability	$ 5,543
Accounting Standards Update 2016-02 [Member]
Right-of-use asset		$ 6,200

Leases (Schedule Of Lease Costs

Leases (Schedule Of Lease Costs) (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2019
Leases [Abstract]
Operating lease cost	$ 183	$ 555
Short-term lease cost	7	19
Variable lease cost	13	36
Total lease cost	$ 203	$ 610

Leases (Schedule Of Measurement

Leases (Schedule Of Measurement Of Lease Liabilities) (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2019USD ($)
Leases [Abstract]
Operating cash flows from operating leases	$ 375
Weighted-average remaining lease term (years)	12 years 9 months 18 days
Weighted-average discount rate	3.52%

Leases (Schedule Of Future Mini

Leases (Schedule Of Future Minimum Payments Operating Leases) (Details) $ in Thousands	Sep. 30, 2019USD ($)
Leases [Abstract]
2019	$ 177
2020	674
2021	651
2022	567
2023	527
2024 and beyond	4,380
Total undiscounted cash flows	6,976
Discounted cash flows	(1,433)
Total lease liability	$ 5,543

Other Real Estate Owned (Detail

Other Real Estate Owned (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Other Real Estate Owned [Abstract]
Balance at beginning of the period	$ 2,684	$ 2,592	$ 2,684	$ 2,598
Additions	80	105	80	105
Proceeds from dispositions	(74)	(32)	(74)	(32)
Gains on sales, net	9		9
Valuation adjustment	(6)		(6)	(6)
Balance at the end of the period	$ 2,693	$ 2,665	$ 2,693	$ 2,665

Pension (Narrative) (Details)

Pension (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018	Dec. 31, 2018
Pension [Abstract]
Expected pension expense	$ 420		$ 420
Pension Contributions				$ 1,000
Pension expense	$ 100	$ 125	$ 321	$ 375	$ 500

Pension (Schedule Of Net Period

Pension (Schedule Of Net Periodic Pension Costs) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018	Dec. 31, 2018
Pension [Abstract]
Service cost	$ 82	$ 90	$ 243	$ 270
Interest cost	157	138	473	414
Expected return on plan assets	(272)	(279)	(814)	(837)
Recognized net actuarial loss	133	176	419	528
Total pension expense	$ 100	$ 125	$ 321	$ 375	$ 500

Fair Value Measurements And F_3

Fair Value Measurements And Fair Values Of Financial Instruments (Narrative) (Details) - USD ($)	9 Months Ended	21 Months Ended
	Sep. 30, 2019	Sep. 30, 2019	Dec. 31, 2018
Fair Value Measurements And Fair Values Of Financial Instruments [Abstract]
Total liabilities	$ 0	$ 0
Assets, Level 1 to Level 2 Transfers	0	0
Liabilities, Level 1 to Level 2 Transfers	0	0
Partial charge-offs on impaired loans	412,000
Other real estate owned, fair value	$ 81,000	81,000	$ 71,000
Fair value adjustments		$ 0

Fair Value Measurements And F_4

Fair Value Measurements And Fair Values Of Financial Instruments (Schedule Of Fair Value, Assets And Liabilities Measured On Recurring Basis) (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	$ 384	$ 374
Available for sale	147,328
Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets	147,712	131,846
Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	384	374
Level 1 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets	384	374
Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	147,328	131,472
Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets	147,328	131,472
Equity Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	384	374
Equity Securities [Member] | Level 1 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	384	374
U.S. Government And Agency Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	9,727	9,076
U.S. Government And Agency Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	9,727	9,076
U.S. Government And Agency Securities [Member] | Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	9,727	9,076
Municipal Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	74,691	67,647
Municipal Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	74,691	67,647
Municipal Securities [Member] | Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	74,691	67,647
Trust Preferred Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	3,913	3,758
Trust Preferred Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	3,913	3,758
Trust Preferred Securities [Member] | Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	3,913	3,758
Agency Mortgage-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	50,876	44,658
Agency Mortgage-Backed Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	50,876	44,658
Agency Mortgage-Backed Securities [Member] | Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	50,876	44,658
Private-Label Mortgage-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	456	488
Private-Label Mortgage-Backed Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	456	488
Private-Label Mortgage-Backed Securities [Member] | Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	456	488
Asset-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	7,665	5,845
Asset-Backed Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	7,665	5,845
Asset-Backed Securities [Member] | Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	$ 7,665	$ 5,845

Fair Value Measurements And F_5

Fair Value Measurements And Fair Values Of Financial Instruments (Schedule Of Fair Value On A Nonrecurring Basis) (Details) - Fair Value, Nonrecurring [Member] - USD ($) $ in Thousands		Sep. 30, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure		$ 2,751	$ 71
Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure		2,751	71
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	[1]	2,751
Impaired Loans [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	[1]	$ 2,751
Other Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	[1]		71
Other Real Estate Owned [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	[1]		$ 71
[1]	Includes assets directly charged-down to fair value during the year-to-date period.

Fair Value Measurements And F_6

Fair Value Measurements And Fair Values Of Financial Instruments (Fair Value Inputs, Assets, Quantitative Information) (Details) - Level 3 [Member] - USD ($) $ in Thousands		Sep. 30, 2019	Dec. 31, 2018
Impaired Loans [Member] | Appraisal Adjustment [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	[1]	$ 2,751
Impaired Loans [Member] | Minimum [Member] | Appraisal Adjustment [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage		0.00%
Impaired Loans [Member] | Maximum [Member] | Appraisal Adjustment [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage		63.00%
Impaired Loans [Member] | Weighted Average [Member] | Appraisal Adjustment [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage		40.00%
Other Real Estate Owned [Member] | Cost To Sell [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	[1]		$ 71
Quantitative Information Percentage			8.00%
Other Real Estate Owned [Member] | Weighted Average [Member] | Cost To Sell [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage			8.00%
[1]	Includes assets directly charged-down to fair value during the year-to-date period.

Fair Value Measurements And F_7

Fair Value Measurements And Fair Values Of Financial Instruments (Fair Value, By Balance Sheet Grouping) (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt securities available for sale, at fair value	$ 147,328
Equity securities, at fair value	384	$ 374
Carrying Amount [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	150,134	52,957
Long-term interest-bearing deposits in other banks	9,496
Restricted stock	465	452
Loans held for sale	1,929	118
Net loans	925,033	960,960
Accrued interest receivable	3,452	4,103
Debt securities available for sale, at fair value	147,328	131,472
Equity securities, at fair value	384	374
Deposits	1,159,601	1,082,629
Accrued interest payable	391	193
Fair Value [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	150,134	52,957
Long-term interest-bearing deposits in other banks	9,496
Restricted stock	465	452
Loans held for sale	1,929	118
Net loans	922,071	941,930
Accrued interest receivable	3,452	4,103
Debt securities available for sale, at fair value	147,328	131,472
Equity securities, at fair value	384	374
Deposits	1,160,014	1,082,425
Accrued interest payable	391	193
Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	150,134	52,957
Long-term interest-bearing deposits in other banks	9,496
Equity securities, at fair value	384	374
Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Restricted stock	465	452
Loans held for sale	1,929	118
Accrued interest receivable	3,452	4,103
Debt securities available for sale, at fair value	147,328	131,472
Deposits	1,160,014	1,082,425
Accrued interest payable	391	193
Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Net loans	$ 922,071	941,930
Before Adoption Of ASU 2016-01 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt securities available for sale, at fair value		$ 131,472

Capital Ratios (Narrative) (Det

Capital Ratios (Narrative) (Details) - USD ($) $ in Billions		9 Months Ended
		Sep. 30, 2019		Dec. 31, 2018
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total Risk-based Capital Ratio: Ratio		15.80%
Capital Ratios, Basel III, Capital Conservation Buffer, Year Two		1.875%
Capital Ratios, Basel III, Capital Conservation Buffer, Year Three		2.50%
Consolidated asset limit on small bank holding companies		$ 3
Farmers & Merchants Trust Company [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier 1 Risk-based Capital Ratio: Ratio	[1]	14.27%		13.80%
Tier One Leverage Capital to Average Assets	[2]	9.28%		9.68%
Common Equity Tier 1 Risk-based Capital Ratio: Well Capitalized Minimum: Ratio	[1]	6.50%
Tier 1 Risk-based Capital Ratio: Well Capitalized Minimum: Ratio		8.00%	[3]	6.00%
Tier 1 Leverage Ratio: Well Capitalized Minimum: Ratio	[2]	5.00%
Total Risk-based Capital Ratio: Well Capitalized Minimum: Ratio	[4]	10.00%
Capital ratios, capital conservation buffer		7.80%
Total Risk-based Capital Ratio: Ratio	[4]	15.52%		15.06%
[1]	Common equity Tier 1 capital/ total risk-weighted assets
[2]	Tier 1 capital / average quarterly assets
[3]	Tier 1 capital / total risk-weighted assets
[4]	Total risk-based capital / total risk-weighted assets

Capital Ratios (Schedule Of The

Capital Ratios (Schedule Of The Total Risk-based, Tier 1 Risk-based And Tier 1 Leverage Requirements) (Details)		Sep. 30, 2019		Dec. 31, 2018
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total Risk-based Capital Ratio: Ratio		15.80%
Franklin Financial Services Corporation 2 [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier 1 Risk-based Capital Ratio: Ratio	[1]	14.53%		13.96%
Tier 1 Risk-based Capital Ratio: Ratio	[2]	14.53%		13.96%
Total Risk-based Capital Ratio: Ratio	[3]	15.80%		15.21%
Tier 1 Leverage Ratio: Ratio	[4]	9.45%		9.78%
Farmers & Merchants Trust Company [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier 1 Risk-based Capital Ratio: Ratio	[1]	14.27%		13.80%
Common Equity Tier 1 Risk-based Capital Ratio: Adequately Capitalized Minimum: Ratio	[1]	4.50%
Common Equity Tier 1 Risk-based Capital Ratio: Well Capitalized Minimum: Ratio	[1]	6.50%
Tier 1 Risk-based Capital Ratio: Ratio	[2]	14.27%		13.80%
Tier 1 Risk-based Capital Ratio: Adequately Capitalized Minimum: Ratio	[2]	6.00%
Tier 1 Risk-based Capital Ratio: Well Capitalized Minimum: Ratio		8.00%	[2]	6.00%
Total Risk-based Capital Ratio: Ratio	[3]	15.52%		15.06%
Total Risk-based Capital Ratio: Adequately Capitalized Minimum: Ratio	[3]	8.00%
Total Risk-based Capital Ratio: Well Capitalized Minimum: Ratio	[3]	10.00%
Tier 1 Leverage Ratio: Ratio	[4]	9.28%		9.68%
Tier 1 Leverage Ratio: Adequately Capitalized Minimum: Ratio	[4]	4.00%
Tier 1 Leverage Ratio: Well Capitalized Minimum: Ratio	[4]	5.00%
[1]	Common equity Tier 1 capital/ total risk-weighted assets
[2]	Tier 1 capital / total risk-weighted assets
[3]	Total risk-based capital / total risk-weighted assets
[4]	Tier 1 capital / average quarterly assets

Revenue Recognition (Details)

Revenue Recognition (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Disaggregation of Revenue [Line Items]
Investment and trust services fees	$ 1,482	$ 1,424	$ 4,582	$ 4,285
Estate management services Fees recognition period			18 months
Asset Management Fees [Member]
Disaggregation of Revenue [Line Items]
Investment and trust services fees	1,300		$ 4,100	3,800
Estate Management Services Fees [Member]
Disaggregation of Revenue [Line Items]
Investment and trust services fees	105	86	259	228
Commisions [Member]
Disaggregation of Revenue [Line Items]
Investment and trust services fees	$ 42	$ 75	$ 177	$ 218

Commitments And Contingencies_2

Commitments And Contingencies (Narrative) (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Sep. 30, 2018
Commitments And Contingencies [Abstract]
Allowance against letters of credit	$ 2,400	$ 2,361

Commitments And Contingencies_3

Commitments And Contingencies (Outstanding Commitments ) (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Commercial Commitments To Extend Credit [Member]
Loss Contingencies [Line Items]
Commitments outstanding	$ 259,711	$ 216,913
Consumer Commitments To Extend Credit (Secured) [Member]
Loss Contingencies [Line Items]
Commitments outstanding	52,823	49,221
Consumer Commitments To Extend Credit (Unsecured) [Member]
Loss Contingencies [Line Items]
Commitments outstanding	5,176	5,605
Commitments To Extend Credit [Member]
Loss Contingencies [Line Items]
Commitments outstanding	317,710	271,739
Standby Letters of Credit [Member]
Loss Contingencies [Line Items]
Commitments outstanding	$ 26,743	$ 25,429