Old Point Financial (OPOF) 10-K 11 Mar 16 2015 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2015	Mar. 08, 2016	Jun. 30, 2015
Document and Entity Information [Abstract]
Entity Registrant Name	OLD POINT FINANCIAL CORP
Entity Central Index Key	740,971
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Smaller Reporting Company
Entity Public Float			$ 52,177,061
Entity Common Stock, Shares Outstanding		4,959,009
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	FY
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2015

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Assets
Cash and due from banks	$ 33,514	$ 31,081
Interest-bearing due from banks	1,064	833
Federal funds sold	2,412	1,391
Cash and cash equivalents	36,990	33,305
Securities available-for-sale, at fair value	214,192	139,346
Securities held-to-maturity	0	90,089
Restricted securities	2,016	2,293
Loans, net of allowance for loan losses	560,737	528,919
Premises and equipment, net	41,282	42,075
Bank-owned life insurance	24,411	23,525
Foreclosed assets, net of valuation allowance	2,741	5,106
Other assets	14,418	11,622
Total Assets	896,787	876,280
Deposits:
Noninterest-bearing deposits	215,090	186,280
Savings deposits	321,370	307,078
Time deposits	210,011	223,296
Total deposits	746,471	716,654
Federal funds purchased and other short-term borrowings	0	0
Overnight repurchase agreements	25,950	37,404
Term repurchase agreements	0	412
Federal Home Loan Bank advances	25,000	30,000
Accrued expenses and other liabilities	6,190	3,313
Total liabilities	803,611	787,783
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 4,959,009 and 4,959,009 shares issued and outstanding	24,795	24,795
Additional paid-in capital	16,392	16,392
Retained earnings	55,151	53,203
Accumulated other comprehensive loss, net	(3,162)	(5,893)
Total stockholders' equity	93,176	88,497
Total liabilities and stockholders' equity	$ 896,787	$ 876,280

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Assets
Securities held-to-maturity, fair value	$ 0	$ 94,406
Allowance for loan losses	7,738	7,075
Foreclosed assets, valuation allowance	$ 2,549	$ 2,908
Stockholders' equity:
Common stock, par value (in dollars per share)	$ 5	$ 5
Common stock, shares authorized (in shares)	10,000,000	10,000,000
Common stock, shares issued (in shares)	4,959,009	4,959,009
Common stock, shares outstanding (in shares)	4,959,009	4,959,009

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Interest and Dividend Income:
Interest and fees on loans	$ 25,972	$ 24,881
Interest on due from banks	15	13
Interest on federal funds sold	2	5
Interest on securities:
Taxable	2,510	3,562
Tax-exempt	1,663	1,703
Dividends and interest on all other securities	133	125
Total interest and dividend income	30,295	30,289
Interest Expense:
Interest on savings deposits	227	230
Interest on time deposits	2,144	2,354
Interest on federal funds purchased, securities sold under agreements to repurchase and other borrowings	30	32
Interest on Federal Home Loan Bank advances	1,231	1,233
Total interest expense	3,632	3,849
Net interest income	26,663	26,440
Provision for loan losses	1,025	600
Net interest income, after provision for loan losses	25,638	25,840
Noninterest Income:
Income from fiduciary activities	3,617	3,506
Service charges on deposit accounts	4,021	4,119
Other service charges, commissions and fees	4,084	3,940
Income from bank owned-life insurance	885	851
Gain on sale of available-for-sale securities, net	76	2
Other operating income	453	226
Total noninterest income	13,136	12,644
Noninterest Expense:
Salaries and employee benefits	20,747	19,884
Occupancy and equipment	5,330	4,886
Data processing	1,625	1,663
FDIC insurance	586	704
Loss on write-down/sale of foreclosed assets	957	872
Customer development	584	822
Legal and audit expense	720	606
Employee professional development	591	721
Other outside service fees	693	584
Postage and courier expense	373	445
Supplies Expense	374	446
Capital stock tax	439	499
Bad checks and other losses	452	410
Other operating expense	1,615	1,630
Total noninterest expense	35,086	34,172
Income before income taxes	3,688	4,312
Income tax expense	54	196
Net income	$ 3,634	$ 4,116
Basic Earnings per Share:
Average shares outstanding (in shares)	4,959,009	4,959,009
Net income per share of common stock (in dollars per share)	$ 0.73	$ 0.83
Diluted Earnings per Share:
Average shares outstanding (in shares)	4,959,009	4,959,009
Net income per share of common stock (in dollars per share)	$ 0.73	$ 0.83

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Consolidated Statement of Comprehensive Income [Abstract]
Net income	$ 3,634	$ 4,116
Other comprehensive income (loss), net of tax:
Unrealized gains on securities	(498)	5,239
Net effect of market adjustment on securities transferred to available-for-sale, net	3,386	551
Defined benefit pension plans	(157)	(881)
Other comprehensive income	2,731	4,909
Comprehensive income	$ 6,365	$ 9,025

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
Balance at Dec. 31, 2013	$ 24,795	$ 16,392	$ 50,376	$ (10,802)	$ 80,761
Balance (in shares) at Dec. 31, 2013	4,959,009
Comprehensive income:
Net income	$ 0	0	4,116	0	4,116
Other comprehensive income, net of tax	0	0	0	4,909	4,909
Cash dividends	0	0	(1,289)	0	(1,289)
Balance at Dec. 31, 2014	$ 24,795	16,392	53,203	(5,893)	$ 88,497
Balance (in shares) at Dec. 31, 2014	4,959,009				4,959,009
Comprehensive income:
Net income	$ 0	0	3,634	0	$ 3,634
Other comprehensive income, net of tax	0	0	0	2,731	$ 2,731
Exercise of stock options (in shares)					0
Cash dividends	0	0	(1,686)	0	$ (1,686)
Balance at Dec. 31, 2015	$ 24,795	$ 16,392	$ 55,151	$ (3,162)	$ 93,176
Balance (in shares) at Dec. 31, 2015	4,959,009				4,959,009

Consolidated Statements of Cha7

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Consolidated Statements of Changes in Stockholders' Equity [Abstract]
Cash dividends (in dollars per share)	$ 0.34	$ 0.26

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 3,634	$ 4,116
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	2,543	2,277
Provision for loan losses	1,025	600
Net gain on sale of available-for-sale securities	(76)	(2)
Net amortization of securities	2,188	2,241
Net loss on disposal of premises and equipment	6	1
Net loss on write-down/sale of foreclosed assets	957	872
Income from bank owned life insurance	(885)	(851)
Stock compensation expense	0	0
Deferred tax (benefit) expense	(227)	(101)
(Increase) decrease in other assets	(3,969)	440
Increase in other liabilities	3,637	442
Pension Contributions	(1,000)	0
Net cash provided by operating activities	7,833	10,035
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of available-for-sale securities	(104,103)	(25,471)
Purchases of held-to-maturity securities	0	0
Proceeds from sales of restricted securities	277	85
Proceeds from Maturities, Prepayments and Calls of Available-for-sale Securities	80,790	725
Proceeds from maturities and calls of held-to-maturity securities	300	300
Proceeds from sales of available-for-sale securities	23,005	38,653
Paydowns on available-for-sale securities	9,353	9,318
Paydowns on held-to-maturity securities	8,161	6,160
(Increase) decrease in loans made to customers	(19,081)	(36,985)
Payments to Acquire Loans and Leases Held-for-investment	(14,315)	0
Proceeds from sales of foreclosed assets	1,956	1,799
Foreclosed Assets Other Additions	0	(23)
Purchases of premises and equipment	(1,756)	(3,806)
Net cash provided by (used in) investing activities	(15,413)	(9,245)
CASH FLOWS FROM FINANCING ACTIVITIES
Increase in noninterest-bearing deposits	28,810	3,767
Increase in savings deposits	14,292	20,993
Increase (decrease) in time deposits	(13,285)	(33,511)
Increase (decrease) in federal funds purchased, repurchase agreements and other borrowings	(11,866)	6,230
Proceeds from Federal Home Loan Bank Borrowings	20,000	10,000
Decrease in Federal Home Loan Bank advances	(25,000)	(5,000)
Proceeds from exercise of stock options	0	0
Cash dividends paid on common stock	(1,686)	(1,289)
Net cash provided by (used in) financing activities	11,265	1,190
Net increase (decrease) in cash and cash equivalents	3,685	1,980
Cash and cash equivalents at beginning of period	33,305	31,325
Cash and cash equivalents at end of period	36,990	33,305
Cash payments for:
Interest	3,646	3,920
Income tax	200	535
SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS
Unrealized holding gains/losses arising during the period, net of reclassification adjustment	(755)	7,938
Loans transferred to foreclosed assets	553	1,815
Real Estate Owned, Transfer from Real Estate Owned	0	481
Former branch site transferred to foreclosed assets	0	0
Change in pension liability	(237)	(1,336)
Equity securities transferred from other assets to available-for-sale	0	100
Held-to-maturity Securities, Transferred Security, at Carrying Value	85,555	0
Unrealized Gain or Loss on AFS to HTM Transfers	4,197	0
Amortization of Unrealized Gain or Loss on Securities Transferred from AFS to HTM	$ 934	$ 835

Significant Accounting Policies

Significant Accounting Policies	12 Months Ended
	Dec. 31, 2015
Significant Accounting Policies [Abstract]
Significant Accounting Policies	NOTE 1, Significant Accounting Policies PRINCIPLES OF CONSOLIDATION The Consolidated Financial Statements include the accounts of Old Point Financial Corporation (the Company) and its wholly-owned subsidiaries, The Old Point National Bank of Phoebus (the Bank) and Old Point Trust & Financial Services N.A. (Trust). All significant intercompany balances and transactions have been eliminated in consolidation. The Company consolidates subsidiaries in which it holds, directly or indirectly, more than 50 percent of the voting rights or where it exercises control. Entities where the Company holds 20 to 50 percent of the voting rights, or has the ability to exercise significant influence, or both, are accounted for under the equity method. As discussed below, the Company consolidates entities deemed to be variable interest entities (VIEs) when it is determined to be the primary beneficiary. NATURE OF OPERATIONS Old Point Financial Corporation is a holding company that conducts substantially all of its operations through two subsidiaries, The Old Point National Bank of Phoebus and Old Point Trust & Financial Services, N.A. The Bank serves individual and commercial customers, the majority of which are in Hampton Roads, Virginia. As of December 31, 2015, the Bank had 18 branch offices. The Bank offers a full range of deposit and loan products to its retail and commercial customers. Trust offers a full range of services for individuals and businesses. Products and services include retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax services and investment management services. VARIABLE INTEREST ENTITIES A legal entity is referred to as a VIE if any of the following conditions exist, which are outlined in the Financial Accounting Standards Board (FASB) Accounting Standards Codification (ASC) variable interest accounting guidance (FASB ASC 810-10-15-14): (1) the total equity investment at risk is insufficient to permit the legal entity to finance its activities without additional subordinated financial support from other parties, or (2) the entity has equity investors that cannot make significant decisions about the entity's operations or that do not absorb their proportionate share of the expected losses or receive the expected returns of the entity. In addition, as specified in VIE accounting guidance (FASB ASC 810-10-25-38), a VIE must be consolidated by the Company if it is deemed to be the primary beneficiary of the VIE, which is the party involved with the VIE that will absorb a majority of the expected losses, receive a majority of the expected residual returns, or both. At this time, the Company has no VIEs that are consolidated. The Company does have an interest in one VIE, Old Point Mortgage, LLC, which is not consolidated because the Company has determined that it is not the primary beneficiary. USE OF ESTIMATES In preparing Consolidated Financial Statements in conformity with U.S. GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated balance sheet and reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, other-than-temporary impairment of securities, the valuation allowance on other real estate owned and the determination of defined benefit obligations. SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK Most of the Company's activities are with customers located within the Hampton Roads region. The types of securities that the Company invests in are included in Note 3. The types of lending that the Company engages in are included in Note 4. The Company has significant concentrations in the following industries: construction, lessors of real estate, activities related to real estate, ambulatory health care and religious organizations. The Company does not have any significant concentrations to any one customer. At December 31, 2015 and 2014, there were $297.4 million and $296.6 million, or 52.32% and 55.34%, respectively, of total loans concentrated in commercial real estate. Commercial real estate for purposes of this note includes all construction loans, loans secured by multifamily residential properties, loans secured by farmland and loans secured by nonfarm, nonresidential properties. CASH AND CASH EQUIVALENTS For purposes of the consolidated statements of cash flows, cash and cash equivalents includes cash and balances due from banks and federal funds sold, all of which mature within 90 days. INTEREST-BEARING DEPOSITS IN BANKS Interest-bearing deposits in banks mature within one year and are carried at cost. SECURITIES Certain debt securities that management has the positive intent and ability to hold until maturity are classified as "held-to-maturity" and recorded at amortized cost. Securities not classified as held-to-maturity, including equity securities with readily determinable fair values, are classified as "available-for-sale" and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. The Company evaluates securities for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. The Company employs a systematic methodology that considers available evidence in evaluating potential impairment of its investments. In the event that the cost of an investment exceeds its fair value, the Company evaluates, among other factors, the magnitude and duration of the decline in fair value; the expected cash flows of the securities; the financial health of and business outlook for the issuer; the performance of the underlying assets for interests in securitized assets; and the Company's intent and ability to hold the investment. Once a decline in fair value is determined to be other-than-temporary, an impairment charge is recorded in investment income and a new cost basis in the investment is established. FEDERAL HOME LOAN BANK STOCK The Company, as a member of the Federal Home Loan Bank of Atlanta (FHLB), is required to maintain an investment in the capital stock of the FHLB. Based on the redemption provisions of the FHLB, the stock has no quoted market value, is carried at cost and is listed as a restricted security. The Company reviews its holdings for impairment based on the ultimate recoverability of the cost basis in the FHLB stock. LOANS The Company extends loans to individual consumers and commercial customers for various purposes. Most of the Company's loans are secured by real estate, including real estate construction loans and real estate mortgage loans (i.e., residential 1-4 family mortgages, commercial real estate loans, second mortgages and equity lines of credit). Other loans are secured by collateral that is not real estate, which may include inventory, accounts receivable, equipment or other personal property. A substantial portion of the loan portfolio is represented by real estate mortgage loans throughout Hampton Roads. The ability of the Company's debtors to honor their contracts is dependent in part upon the real estate and general economic conditions in this area. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for unearned income, the allowance for loan losses and any unamortized deferred fees or costs on originated loans. For loans amortized at cost, interest income is accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, as well as premiums and discounts, are deferred and amortized as a level yield adjustment over the respective term of the loan. The accrual of interest on commercial loans (including construction loans and commercial loans secured and not secured by real estate) is generally discontinued at the time the loan is 90 days past due unless the credit is well-secured and in the process of collection. Consumer loans not secured by real estate and consumer real estate secured loans (i.e., residential 1-4 family mortgages, second mortgages and equity lines of credit) are generally placed on nonaccrual status when payments are 120 days past due. Past due status is based on the contractual terms of the loan, and loans are considered past due when a payment of principal and/or interest is due but not paid. Regular payments not received within the payment cycle are considered to be 30, 60, or 90 or more days past due accordingly. In all cases, loans are placed on nonaccrual status or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not collected for loans that are placed on nonaccrual status or charged off is reversed against interest income. The interest on these loans is accounted for on the cash basis or cost recovery method, until qualifying for return to accrual. Loans are generally returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured, or when the borrower has resumed paying the full amount of the scheduled contractual interest and principal payments for at least six months. ALLOWANCE FOR LOAN LOSSES The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management's periodic review of the collectibility of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower's ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired, such as a loan that is considered a TDR (discussed in detail below). These loans are excluded from pooled loss forecasts and a separate reserve is provided under the accounting guidance for loan impairment. All loans, including consumer loans, whose terms have been modified in a TDR are also individually analyzed for estimated impairment. Impairment is measured on a loan-by-loan basis for construction loans and commercial loans (i.e., commercial mortgage loans on real estate and commercial loans not secured by real estate) by either the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's obtainable market price, or the fair value of the collateral if the loan is collateral dependent. For those loans that are classified as impaired, an allowance is established when the discounted value of expected future cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower's prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. The general component covers loans that are not classified as impaired. Loans collectively evaluated for impairment are pooled, with a historical loss rate, based on migration analysis, applied to each pool, segmented by risk grade or days past due, depending on the type of loan. Based on credit risk assessments and management's analysis of qualitative factors, additional loss factors are applied to loan balances. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and consumer loans secured by real estate (i.e., residential 1-4 family mortgages, second mortgages and equity lines of credit) for impairment disclosures, unless such loans are the subject of a restructuring agreement due to financial difficulties of the borrower. LOAN CHARGE-OFF POLICIES Loans are generally fully charged off or partially charged down to the fair value of collateral securing the asset when: · Management determines the asset to be uncollectible; · Repayment is deemed to be protracted beyond reasonable time frames; · The asset has been classified as a loss by either the internal loan review process or external examiners; · The borrower has filed for bankruptcy protection and the loss becomes evident due to a lack of borrower assets; or · The loan is 120 days or more past due unless the loan is both well secured and in the process of collection. TROUBLED DEBT RESTRUCTURINGS In situations where, for economic or legal reasons related to a borrower's financial difficulties, management grants a concession for other than an insignificant period of time to the borrower that would not otherwise be considered, the related loan is classified as a TDR. Management strives to identify borrowers in financial difficulty before their loans reach nonaccrual status and works with them to grant appropriate concessions, if necessary, and modify their loans to more affordable terms. These modified terms could include reduction in the interest rate below current market rates for borrowers with similar risk profiles, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. In cases where borrowers are granted new terms that provide for a reduction of either interest or principal, management measures any impairment on the restructuring as noted above for impaired loans. The Company had $11.2 million and $12.3 million in loans classified as TDRs as of December 31, 2015 and 2014, respectively. TRANSFERS OF FINANCIAL ASSETS Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company (i.e., put presumptively beyond the reach of the transferor and its creditors, even in bankruptcy or other receivership); (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets. OTHER REAL ESTATE OWNED (OREO) Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance (direct write-downs) are included in net expenses from foreclosed assets. BANK-OWNED LIFE INSURANCE The Company owns insurance on the lives of a certain group of key employees. The policies were purchased to help offset the increase in the costs of various benefit plans. The cash surrender value of these policies is included as an asset on the consolidated balance sheets, and the increase in cash surrender value is recorded as noninterest income on the consolidated statements of income. In the event of the death of an insured individual under these policies, the Company would receive a death benefit payment. Any excess in the amount received over the recorded cash surrender value would be recorded as other income on the consolidated statements of income. PREMISES AND EQUIPMENT Land is carried at cost. Buildings and equipment are stated at cost, less accumulated depreciation and amortization computed on the straight-line method over the estimated useful lives of the assets. Buildings and equipment are depreciated over their estimated useful lives ranging from 3 to 39 years; leasehold improvements are amortized over the lives of the respective leases or the estimated useful life of the leasehold improvement, whichever is less. Software is amortized over its estimated useful life ranging from 3 to 5 years. OFF-BALANCE SHEET CREDIT RELATED FINANCIAL INSTRUMENTS In the ordinary course of business, the Company has entered into commitments to extend credit, including commitments under commercial letters of credit and lines of credit. Such financial instruments are recorded when they are funded. PENSION PLAN The Company has a non-contributory defined benefit pension plan, which was frozen by the Company in 2006. Benefits for participants will remain frozen in the plan until such time as further action occurs. No additional participants will be added to the plan. The compensation cost of the pension plan is recognized on the projected unit credit method. The aggregate cost method is utilized for funding purposes. STOCK COMPENSATION PLANS Stock compensation accounting guidance (FASB ASC 718, "Compensation -- Stock Compensation") requires that the compensation cost related to share-based payment transactions be recognized in financial statements. That cost will be measured based on the grant date fair value of the equity or liability instruments issued. The stock compensation accounting guidance covers a wide range of share-based compensation arrangements including stock options, restricted share plans, performance-based awards, share appreciation rights and employee share purchase plans. The stock compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over the employees' service period, generally defined as the vesting period. For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. A Black Scholes model is used to estimate the fair value of the stock options, while the market price of the Company's common stock at the date of grant is used for restricted stock awards. INCOME TAXES The Company accounts for income taxes in accordance with income tax accounting guidance (FASB ASC 740, "Income Taxes"). The Company adopted the accounting guidance related to accounting for uncertainty in income taxes, which sets out a consistent framework to determine the appropriate level of tax reserves to maintain for uncertain tax positions. Income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability or balance sheet method. Under this method, the net deferred tax asset or liability is based on the tax effects of the difference between the book and tax basis of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more-likely-than-not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more-likely-than-not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management's judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more-likely-than-not that some portion or all of a deferred tax asset will not be realized. The Company recognizes interest and penalties on income taxes as a component of income tax expense. No uncertain tax positions were recorded in 2015 or 2014. EARNINGS PER COMMON SHARE Basic earnings per share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during the period. Diluted earnings per share reflects additional potential common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate solely to outstanding stock options and are determined using the treasury stock method. TRUST ASSETS AND INCOME Securities and other property held by Trust in a fiduciary or agency capacity are not assets of the Company and are not included in the accompanying Consolidated Financial Statements. ADVERTISING EXPENSES Advertising expenses are expensed as incurred. Advertising expense for the years ended 2015 and 2014 was $217 thousand and $265 thousand, respectively. COMPREHENSIVE INCOME Comprehensive income consists of net income and other comprehensive income. Other comprehensive income includes unrealized gains and losses on securities available-for-sale, unrealized losses on securities transferred from available-for-sale to held-to-maturity, and unrealized losses related to changes in the funded status of the pension plan which are also recognized as separate components of equity. FAIR VALUE OF FINANCIAL INSTRUMENTS Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 16. Fair value estimates involve uncertainties and matters of significant judgment. Changes in assumptions or in market conditions could significantly affect the estimates. RECENT ACCOUNTING PRONOUNCEMENTS In June 2014, the FASB issued ASU No. 2014-12, "Compensation – Stock Compensation (Topic 718): Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period". The new guidance applies to reporting entities that grant employees share-based payments in which the terms of the award allow a performance target to be achieved after the requisite service period. The amendments in the ASU require that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition. Existing guidance in "Compensation – Stock Compensation (Topic 718)", should be applied to account for these types of awards. The amendments in this ASU are effective for annual periods and interim periods within those annual periods beginning after December 15, 2015. Early adoption is permitted and reporting entities may choose to apply the amendments in the ASU either on a prospective or retrospective basis. In August 2014, the FASB issued ASU No. 2014-15, "Presentation of Financial Statements – Going Concern (Subtopic 205-40): Disclosure of Uncertainties about an Entity's Ability to Continue as a Going Concern". This update is intended to provide guidance about management's responsibility to evaluate whether there is substantial doubt about an entity's ability to continue as a going concern and to provide related footnote disclosures. Management is required under the new guidance to evaluate whether there are conditions or events, considered in the aggregate, that raise substantial doubt about the entity's ability to continue as a going concern within one year after the date the financial statements are issued when preparing financial statements for each interim and annual reporting period. If conditions or events are identified, the ASU specifies the process that must be followed by management and also clarifies the timing and content of going concern footnote disclosures in order to reduce diversity in practice. The amendments in this ASU are effective for annual periods and interim periods within those annual periods beginning after December 15, 2016. Early adoption is permitted. The Company does not expect the adoption of ASU 2014-15 to have a material impact on its consolidated financial statements. In November 2014, the FASB issued ASU No. 2014-16, "Derivatives and Hedging (Topic 815): Determining Whether the Host Contract in a Hybrid Financial Instrument Issued in the Form of a Share Is More Akin to Debt or to Equity". The amendments in this ASU do not change the current criteria in U.S. GAAP for determining when separation of certain embedded derivative features in a hybrid financial instrument is required. The amendments clarify how current U.S. GAAP should be interpreted in evaluating the economic characteristics and risks of a host contract in a hybrid financial instrument that is issued in the form of a share. Specifically, the amendments clarify that an entity should consider all relevant terms and features, including the embedded derivative feature being evaluated for bifurcation, in evaluating the nature of the host contract. Furthermore, the amendments clarify that no single term or feature would necessarily determine the economic characteristics and risks of the host contract. Rather, the nature of the host contract depends upon the economic characteristics and risks of the entire hybrid financial instrument. The amendments in this ASU also clarify that, in evaluating the nature of a host contract, an entity should assess the substance of the relevant terms and features (i.e., the relative strength of the debt-like or equity-like terms and features given the facts and circumstances) when considering how to weight those terms and features. The amendments in this ASU are effective for public business entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption, including adoption in an interim period, is permitted. The Company does not expect the adoption of ASU 2014-16 to have a material impact on its consolidated financial statements. In January 2015, the FASB issued ASU No. 2015-01, "Income Statement—Extraordinary and Unusual Items (Subtopic 225-20): Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items". The amendments in this ASU eliminate from U.S. GAAP the concept of extraordinary items. Subtopic 225-20, Income Statement - Extraordinary and Unusual Items, required that an entity separately classify, present, and disclose extraordinary events and transactions. Presently, an event or transaction is presumed to be an ordinary and usual activity of the reporting entity unless evidence clearly supports its classification as an extraordinary item. If an event or transaction meets the criteria for extraordinary classification, an entity is required to segregate the extraordinary item from the results of ordinary operations and show the item separately in the income statement, net of tax, after income from continuing operations. The entity also is required to disclose applicable income taxes and either present or disclose earnings-per-share data applicable to the extraordinary item. The amendments in this ASU are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted provided that the guidance is applied from the beginning of the fiscal year of adoption. The Company does not expect the adoption of ASU 2015-01 to have a material impact on its consolidated financial statements. In February 2015, the FASB issued ASU No. 2015-02, "Consolidation (Topic 810): Amendments to the Consolidation Analysis". The amendments in this ASU are intended to improve targeted areas of consolidation guidance for legal entities such as limited partnerships, limited liability corporations, and securitization structures (collateralized debt obligations, collateralized loan obligations, and mortgage-backed security transactions). In addition to reducing the number of consolidation models from four to two, the new standard simplifies the FASB ASC and improves current GAAP by placing more emphasis on risk of loss when determining a controlling financial interest, reducing the frequency of the application of related-party guidance when determining a controlling financial interest in a variable interest entity (VIE), and changing consolidation conclusions for public and private companies in several industries that typically make use of limited partnerships or VIEs. The amendments in this ASU are effective for public business entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted, including adoption in an interim period. ASU 2015-02 may be applied retrospectively in previously issued financial statements for one or more years with a cumulative-effect adjustment to retained earnings as of the beginning of the first year restated. The Company does not expect the adoption of ASU 2015-02 to have a material impact on its consolidated financial statements. In April 2015, the FASB issued ASU No. 2015-03, "Interest – Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs". The amendments in this ASU are intended to simplify the presentation of debt issuance costs. These amendments require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this ASU. The amendments in this ASU are effective for public business entities for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years. Early adoption is permitted for financial statements that have not been previously issued. The Company does not expect the adoption of ASU 2015-03 to have a material impact on its consolidated financial statements. In April 2015, the FASB issued ASU No. 2015-05, "Intangibles - Goodwill and Other - Internal-Use Software (Subtopic 350-40): Customer's Accounting for Fees Paid in a Cloud Computing Arrangement". The amendments in this ASU provide guidance to customers about whether a cloud computing arrangement includes a software license. If a cloud computing arrangement includes a software license, then the customer should account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, the customer should account for th

Restrictions on Cash and Amount

Restrictions on Cash and Amounts Due from Banks	12 Months Ended
	Dec. 31, 2015
Restrictions on Cash and Amounts Due from Banks [Abstract]
Restrictions on Cash and Amounts Due from Banks	NOTE 2, Restrictions on Cash and Amounts Due from Banks The Company is required to maintain average balances on hand or with the Federal Reserve Bank. At December 31, 2015 and 2014, the Company had no balance requirements on any of its accounts. The Company had approximately $25.2 million and $17.2 million in deposits in financial institutions in excess of amounts insured by the FDIC at December 31, 2015 and December 31, 2014, respectively.

Securities Portfolio

Securities Portfolio	12 Months Ended
	Dec. 31, 2015
Securities Portfolio [Abstract]
Securities Portfolio	NOTE 3, Securities Portfolio The amortized cost and fair value, with gross unrealized gains and losses, of securities held-to-maturity were: December 31, 2014 Carrying Value Unamortized Unrealized Transfer Losses Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (in thousands) Obligations of U.S. Government agencies $ 100 $ 0 $ 100 $ 0 $ (3 ) $ 97 Obligations of state and political subdivisions 29,529 0 29,529 449 (18 ) 29,960 Mortgage-backed securities 60,460 5,131 65,591 0 (1,242 ) 64,349 Total $ 90,089 $ 5,131 $ 95,220 $ 449 $ (1,263 ) $ 94,406 The Company had no held-to-maturity-securities at December 31, 2015 due to a decision in February of 2016 to transfer the portfolio to available-for-sale to allow for greater liquidity and flexibility in the future. Although the decision was made after December 31, 2015, the transfer was effective dated back to year-end as the primary difference between held-to-maturity and available-for-sale is management's intent to hold the securities to maturity. The transfer in 2016 demonstrated a change in management's intent as of year-end. The mortgage-backed securities classified as held-to-maturity at December 31, 2014 were originally classified as available-for-sale when the Company purchased them. In 2013, due to fluctuations in interest rates following statements from the Federal Reserve that it was likely to begin slowing the pace of bond purchases under its quantitative easing program, the market value of the Company's available-for-sale securities portfolio declined. As part of a plan to minimize the risk to capital caused by these changes in market value, the Company transferred a portion of its mortgage-backed securities portfolio from available-for-sale to held-to-maturity. These mortgage-backed securities had an unrealized loss of $6.2 million at the date of transfer, which the Company has been amortizing since the transfer. At December 31, 2014, the unamortized balance remaining was $5.1 million, as seen in the table above. When these mortgage-backed securities were transferred back to available-for-sale, this unamortized loss was eliminated and the securities marked to their current fair market value, as required by accounting rules for available-for-sale securities. Although the book value of the mortgage-backed securities transferred back to available-for-sale remains below their market value, resulting in an unrealized loss, this unrealized loss is smaller than the unrealized loss at the date they were originally transferred from available-for-sale to held-to-maturity in 2013. In addition, classifying the securities as available-for-sale gives management the flexibility to sell the securities as needed to fund loan growth or manage the interest-rate risk in the portfolio. The Company's entire portfolio of held-to-maturity securities was transferred to available-for-sale. At December 31, 2015 when the securities were transferred, their carrying value was $81.4 million and the remaining unamortized loss on the mortgage-backed securities was $4.2 million. This unamortized loss was eliminated with the transfer. Its associated deferred tax asset and other comprehensive income accounts, which were $1.4 million and $2.8 million respectively, were also eliminated. As a result, equity and total assets increased by $2.8 million, while the carrying value of the securities portfolio increased $4.2 million. When the securities previously classified as held-to-maturity were marked to market, the Company recorded an unrealized loss of $781 thousand, which reduced other comprehensive income by $516 thousand. The net effect of this transfer was to increase the carrying value of the securities portfolio by $3.4 million, reduce other assets by $1.2 million, and increase other comprehensive income by $2.3 million. As a result of the decision to transfer securities from held-to-maturity to available-for-sale, management will not be able to classify any securities as held-to-maturity until 2018. The amortized cost and fair value, with gross unrealized gains and losses, of securities available-for-sale were: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (in thousands) December 31, 2015 U.S. Treasury securities $ 0 $ 0 $ 0 $ 0 Obligations of U.S. Government agencies 24,353 1 (114 ) 24,240 Obligations of state and political subdivisions 77,223 1,323 (113 ) 78,433 Mortgage-backed securities 109,360 0 (1,964 ) 107,396 Money market investments 631 0 0 631 Corporate bonds and other securities 3,397 4 (8 ) 3,393 Other marketable equity securities 100 0 (1 ) 99 Total $ 215,064 $ 1,328 $ (2,200 ) $ 214,192 December 31, 2014 U.S. Treasury securities $ 20,000 $ 0 $ 0 $ 20,000 Obligations of U.S. Government agencies 4,768 2 (152 ) 4,618 Obligations of state and political subdivisions 49,783 698 (235 ) 50,246 Mortgage-backed securities 61,296 34 (442 ) 60,888 Money market investments 719 0 0 719 Corporate bonds and other securities 2,798 3 (11 ) 2,790 Other marketable equity securities 100 0 (15 ) 85 Total $ 139,464 $ 737 $ (855 ) $ 139,346 Securities with a fair value of $119.8 million and $134.5 million at December 31, 2015 and 2014, respectively, were pledged to secure public deposits, securities sold under agreements to repurchase, FHLB advances and for other purposes required or permitted by law. At December 31, 2015, the Company held no securities of any single issuer (excluding U.S. Government agencies) with a book value that exceeded 10 percent of stockholders' equity. The amortized cost and fair value of securities by contractual maturity are shown below. December 31, 2015 Available-for-Sale Amortized Cost Fair Value (in thousands) Due in one year or less $ 20,500 $ 20,501 Due after one year through five years 17,853 18,074 Due after five years through ten years 23,505 23,936 Due after ten years 152,475 150,951 Total debt securities 214,333 213,462 Other securities without stated maturities 731 730 Total securities $ 215,064 $ 214,192 The following table provides information about securities sold in the years ended December 31: 2015 2014 (in thousands) Proceeds from sales $ 23,005 $ 38,653 Gross realized gains $ 76 $ 276 Gross realized losses $ 0 $ 274 OTHER-THAN-TEMPORARILY IMPAIRED SECURITIES Management assesses whether the Company intends to sell or it is more-likely-than-not that the Company will be required to sell a security before recovery of its amortized cost basis less any current-period credit losses. For debt securities that are considered other-than-temporarily impaired and that the Company does not intend to sell and will not be required to sell prior to recovery of the amortized cost basis, the Company separates the amount of the impairment into the amount that is credit related (credit loss component) and the amount due to all other factors. The credit loss component is recognized in earnings and is the difference between the security's amortized cost basis and the present value of its expected future cash flows. The remaining difference between the security's fair value and the present value of expected future cash flows is due to factors that are not credit related and is recognized in other comprehensive income. The present value of expected future cash flows is determined using the best-estimate cash flows discounted at the effective interest rate implicit to the security at the date of purchase or the current yield to accrete an asset-backed or floating rate security. The methodology and assumptions for establishing the best-estimate cash flows vary depending on the type of security. The asset-backed securities cash flow estimates are based on bond specific facts and circumstances that may include collateral characteristics, expectations of delinquency and default rates, loss severity and prepayment speeds, and structural support, including subordination and guarantees. The Company has a process in place to identify debt securities that could potentially have a credit or interest-rate related impairment that is other than temporary. This process involves monitoring late payments, pricing levels, downgrades by rating agencies, key financial ratios, financial statements, revenue forecasts, and cash flow projections as indicators of credit issues. On a quarterly basis, management reviews all securities to determine whether an other-than-temporary decline in value exists and whether losses should be recognized. Management considers relevant facts and circumstances in evaluating whether a credit or interest rate-related impairment of a security is other-than-temporary. Relevant facts and circumstances considered include: (a) the extent and length of time the fair value has been below cost; (b) the reasons for the decline in value; (c) the financial position and access to capital of the issuer, including the current and future impact of any specific events and (d) for fixed maturity securities, the Company's intent to sell a security or whether it is more-likely-than-not the Company will be required to sell the security before the recovery of its amortized cost which, in some cases, may extend to maturity and for equity securities, the Company's ability and intent to hold the security for a period of time that allows for the recovery in value. The Company has not recorded impairment charges on securities for the years ended December 31, 2015 and 2014. The following table shows the number of securities with unrealized losses, the gross unrealized losses and fair value of the Company's investments with unrealized losses that are deemed to be temporarily impaired, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, as of the dates indicated: December 31, 2015 Less Than Twelve Months More Than Twelve Months Total Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Number of Securities (dollars in thousands) Securities Available-for-Sale Obligations of U.S. Government agencies $ 0 $ 0 $ 114 $ 3,940 $ 114 $ 3,940 2 Obligations of state and political subdivisions 42 4,177 71 3,545 113 7,722 13 Mortgage-backed securities 848 62,698 1,116 44,698 1,964 107,396 13 Corporate bonds and other securities 6 2,091 2 198 8 2,289 16 Other marketable equity securities 1 99 0 0 1 99 1 Total securities available-for-sale $ 897 $ 69,065 $ 1,303 $ 52,381 $ 2,200 $ 121,446 45 December 31, 2014 Less Than Twelve Months More Than Twelve Months Total Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Number of Securities (dollars in thousands) Securities Available-for-Sale Obligations of U. S. Government agencies $ 0 $ 0 $ 152 $ 4,316 $ 152 $ 4,316 1 Obligations of state and political subdivisions 2 604 233 11,951 235 12,555 24 Mortgage-backed securities 62 16,589 380 32,104 442 48,693 6 Corporate bonds and other securities 3 1,096 8 792 11 1,888 14 Other marketable equity securities 15 85 0 0 15 85 1 Total securities available-for-sale $ 82 $ 18,374 $ 773 $ 49,163 $ 855 $ 67,537 46 Securities Held-to-Maturity Obligations of U. S. Government agencies $ 0 $ 0 $ 3 $ 97 $ 3 $ 97 1 Obligations of state and political subdivisions 2 1,261 16 1,203 18 2,464 6 Mortgage-backed securities 0 0 1,242 64,349 1,242 64,349 6 Total securities held-to-maturity $ 2 $ 1,261 $ 1,261 $ 65,649 $ 1,263 $ 66,910 13 Total $ 84 $ 19,635 $ 2,034 $ 114,812 $ 2,118 $ 134,447 59 Certain investments within the Company's portfolio had unrealized losses at December 31, 2015 and December 31, 2014, as shown in the tables above. The unrealized losses were caused by increases in market interest rates. The Company purchases only highly-rated securities, including U.S. government agencies and mortgage-backed securities guaranteed by government-sponsored entities. The municipal securities portfolio is reviewed regularly to ensure that ratings of individual securities have not deteriorated below the threshold established by the Company's policy. Because the Company does not intend to sell the investments and management believes it is unlikely that the Company will be required to sell the investments before recovery of their amortized cost basis, which may be maturity, the Company does not consider the investments to be other-than-temporarily impaired at December 31, 2015 or December 31, 2014. Restricted Securities The restricted security category is comprised of FHLB and Federal Reserve Bank stock. These stocks are classified as restricted securities because their ownership is restricted to certain types of entities and the securities lack a market. Therefore, FHLB and Federal Reserve Bank stock is carried at cost and evaluated for impairment. When evaluating these stocks for impairment, their value is determined based on the ultimate recoverability of the par value rather than by recognizing temporary declines in value. Restricted stock is viewed as a long-term investment and management believes that the Company has the ability and the intent to hold this stock until its value is recovered.

Loans and the Allowance for Loa

Loans and the Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2015
Loans and the Allowance for Loan Losses [Abstract]
Loans and the Allowance for Loan Losses	NOTE 4, Loans and the Allowance for Loan Losses The following is a summary of the balances in each class of the Company's loan portfolio as of the dates indicated: December 31, 2015 December 31, 2014 (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 96,997 $ 91,318 Commercial 277,758 287,531 Construction 19,685 9,082 Second mortgages 15,148 13,403 Equity lines of credit 47,256 43,662 Total mortgage loans on real estate 456,844 444,996 Commercial loans 43,197 37,698 Consumer loans 50,427 30,493 Other 18,007 22,807 Total loans 568,475 535,994 Less: Allowance for loan losses (7,738 ) (7,075 ) Loans, net of allowance and deferred fees (1) $ 560,737 $ 528,919 (1) Deferred loan fees totaled $407 thousand and $473 thousand at December 31, 2015 and December 31, 2014, respectively. Overdrawn deposit accounts are reclassified as loans and included in the Other category in the table above. Overdrawn deposit accounts totaled $648 thousand and $541 thousand at December 31, 2015 and December 31, 2014, respectively. CREDIT QUALITY INFORMATION The Company uses internally-assigned risk grades to estimate the capability of borrowers to repay the contractual obligations of their loan agreements as scheduled or at all. The Company's internal risk grade system is based on experiences with similarly graded loans. Credit risk grades are updated at least quarterly as additional information becomes available, at which time management analyzes the resulting scores to track loan performance. The Company's internally assigned risk grades are as follows: · Pass: · Other Assets Especially Mentioned (OAEM): · Substandard: · Doubtful: · Loss: The following table presents credit quality exposures by internally assigned risk ratings as of the dates indicated: Credit Quality Information As of December 31, 2015 (in thousands) Pass OAEM Substandard Total Mortgage loans on real estate: Residential 1-4 family $ 94,576 $ 0 $ 2,421 $ 96,997 Commercial 261,749 7,394 8,615 277,758 Construction 18,931 0 754 19,685 Second mortgages 14,835 0 313 15,148 Equity lines of credit 47,161 0 95 47,256 Total mortgage loans on real estate 437,252 7,394 12,198 456,844 Commercial loans 40,268 467 2,462 43,197 Consumer loans 50,327 0 100 50,427 Other 18,007 0 0 18,007 Total $ 545,854 $ 7,861 $ 14,760 $ 568,475 Credit Quality Information As of December 31, 2014 (in thousands) Pass OAEM Substandard Total Mortgage loans on real estate: Residential 1-4 family $ 89,480 $ 0 $ 1,838 $ 91,318 Commercial 272,654 10,602 4,275 287,531 Construction 8,026 0 1,056 9,082 Second mortgages 13,306 0 97 13,403 Equity lines of credit 42,976 0 686 43,662 Total mortgage loans on real estate 426,442 10,602 7,952 444,996 Commercial loans 36,007 1,669 22 37,698 Consumer loans 30,463 0 30 30,493 Other 22,807 0 0 22,807 Total $ 515,719 $ 12,271 $ 8,004 $ 535,994 As of December 31, 2015 and 2014 the Company did not have any loans internally classified as Loss or Doubtful. AGE ANALYSIS OF PAST DUE LOANS BY CLASS All classes of loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Interest and fees continue to accrue on past due loans until the date the loan is placed in nonaccrual status, if applicable. The following table includes an aging analysis of the recorded investment in past due loans as of the dates indicated. Also included in the table below are loans that are 90 days or more past due as to interest and principal and still accruing interest, because they are well-secured and in the process of collection. Loans in nonaccrual status that are also past due are included in the aging categories in the table below. Age Analysis of Past Due Loans as of December 31, 2015 30 - 59 Days Past Due 60 - 89 Days Past Due 90 or More Days Past Due Total Past Due Total Current Loans (1) Total Loans Recorded Investment > 90 Days Past Due and Accruing (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 309 $ 1,042 $ 275 $ 1,626 $ 95,371 $ 96,997 $ 0 Commercial 1,266 31 23 1,320 276,438 277,758 23 Construction 161 0 0 161 19,524 19,685 0 Second mortgages 21 39 165 225 14,923 15,148 0 Equity lines of credit 170 0 0 170 47,086 47,256 0 Total mortgage loans on real estate 1,927 1,112 463 3,502 453,342 456,844 23 Commercial loans 500 88 232 820 42,377 43,197 164 Consumer loans 1,673 1,350 3,163 6,186 44,241 50,427 3,163 Other 64 3 6 73 17,934 18,007 6 Total $ 4,164 $ 2,553 $ 3,864 $ 10,581 $ 557,894 $ 568,475 $ 3,356 (1) For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due. In the table above, the consumer category includes student loans with principal amounts that are 97 - 98% guaranteed by the government. The past due portion of these guaranteed loans totaled $5.7 million at December 31, 2015. Age Analysis of Past Due Loans as of December 31, 2014 30 - 59 Days Past Due 60 - 89 Days Past Due 90 or More Days Past Due Total Past Due Total Current Loans (1) Total Loans Recorded Investment > 90 Days Past Due and Accruing (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 1,043 $ 55 $ 792 $ 1,890 $ 89,428 $ 91,318 $ 0 Commercial 31 0 432 463 287,068 287,531 0 Construction 0 0 499 499 8,583 9,082 0 Second mortgages 81 32 168 281 13,122 13,403 107 Equity lines of credit 49 0 0 49 43,613 43,662 0 Total mortgage loans on real estate 1,204 87 1,891 3,182 441,814 444,996 107 Commercial loans 195 0 10 205 37,493 37,698 10 Consumer loans 1,099 323 1,019 2,441 28,052 30,493 1,019 Other 51 3 5 59 22,748 22,807 5 Total $ 2,549 $ 413 $ 2,925 $ 5,887 $ 530,107 $ 535,994 $ 1,141 (1) For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due. In the table above, the consumer category includes student loans with principal amounts that are 97 - 98% guaranteed by the government. The past due portion of these guaranteed loans totaled $2.4 million at December 31, 2014. NONACCRUAL LOANS The Company generally places commercial loans (including construction loans and commercial loans secured and not secured by real estate) in nonaccrual status when the full and timely collection of interest or principal becomes uncertain, part of the principal balance has been charged off and no restructuring has occurred or the loan reaches 90 days past due, unless the credit is well-secured and in the process of collection. Under regulatory rules, consumer loans, which are loans to individuals for household, family and other personal expenditures, and consumer loans secured by real estate (including residential 1 - 4 family mortgages, second mortgages, and equity lines of credit) are not required to be placed in nonaccrual status. Although consumer loans and consumer loans secured by real estate are not required to be placed in nonaccrual status, the Company may elect to place these loans in nonaccrual status, if necessary to avoid a material overstatement of interest income. Generally, consumer loans secured by real estate are placed in nonaccrual status only when payments are 120 days past due. Generally, consumer loans not secured by real estate are placed in nonaccrual status only when part of the principal has been charged off. If a charge-off has not occurred sooner for other reasons, a consumer loan not secured by real estate will generally be placed in nonaccrual status when payments are 120 days past due. These loans are charged off or written down to the net realizable value of the collateral when deemed uncollectible, due to bankruptcy or other factors as discussed in the Loan Charge-Off Policies section of Note 1, or when they are past due based on loan product, industry practice, terms and other factors. When management places a loan in nonaccrual status, the accrued unpaid interest receivable is reversed against interest income and the loan is accounted for by the cash basis or cost recovery method, until it qualifies for return to accrual status or is charged off. Generally, loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured, or when the borrower has resumed paying the full amount of the scheduled contractual interest and principal payments for at least six months. The following table presents loans in nonaccrual status by class of loan as of the dates indicated: Nonaccrual Loans by Class December 31, 2015 December 31, 2014 (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 1,457 $ 924 Commercial 2,623 4,086 Construction 0 499 Second mortgages 226 61 Total mortgage loans on real estate 4,306 5,570 Commercial loans 276 0 Total $ 4,582 $ 5,570 The following table presents the interest income that the Company would have earned under the original terms of its nonaccrual loans and the actual interest recorded by the Company on nonaccrual loans for the periods presented: Years Ended December 31, 2015 2014 (in thousands) Interest income that would have been recorded under original loan terms $ 196 $ 301 Actual interest income recorded for the period 141 265 Reduction in interest income on nonaccrual loans $ 55 $ 36 TROUBLED DEBT RESTRUCTURINGS The Company's loan portfolio includes certain loans classified as TDRs, where economic concessions have been granted to borrowers who are experiencing financial difficulties. These concessions typically result from the Company's loss mitigation activities and could include reduction in the interest rate below current market rates for borrowers with similar risk profiles, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. The Company defines a TDR as nonperforming if the TDR is in nonaccrual status or is 90 days or more past due and still accruing interest at the report date. When the Company modifies a loan, management evaluates any possible impairment as discussed further under Impaired Loans below. The following table presents TDRs during the period indicated, by class of loan: Troubled Debt Restructurings by Class For the Year Ended December 31, 2015 (dollars in thousands) Number of Modifications Recorded Investment Prior to Modification Recorded Investment After Modification Current Investment on December 31, 2015 Mortgage loans on real estate: Residential 1-4 family 0 $ 0 $ 0 $ 0 Commercial 5 2,094 2,594 2,400 Construction 1 435 435 0 Second mortgages 1 61 61 61 Total 7 $ 2,590 $ 3,090 $ 2,461 Troubled Debt Restructurings by Class For the Year Ended December 31, 2014 (dollars in thousands) Number of Modifications Recorded Investment Prior to Modification Recorded Investment After Modification Current Investment on December 31, 2014 Mortgage loans on real estate: Residential 1-4 family 2 $ 375 $ 375 $ 366 Commercial 0 0 0 0 Construction 1 103 103 102 Second mortgages 1 89 89 86 Total 4 $ 567 $ 567 $ 554 All of the loans restructured in 2014 and five of the loans restructured in 2015 were given below-market rates for debt with similar risk characteristics. Two of the loans restructured in 2015 were given terms not otherwise available to borrowers with similar risk characteristics. At December 31, 2015 and 2014, the Company had no outstanding commitments to disburse additional funds on any TDR. December 31, 2015 and 2014 The following table presents TDRs for the periods indicated for which there was a payment default where the default occurred within twelve months of restructuring. The Company considers a TDR in default when any of the following occurs: the loan, as restructured, becomes 90 days or more past due; the loan is moved to nonaccrual status following the restructure; the loan is restructured again under terms that would qualify it as a TDR if it were not already so classified; or any portion of the loan is charged off. Restructurings that Subsequently Defaulted For the Years Ended December 31, 2015 2014 (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 0 $ 389 The TDRs in the tables above are factored into the determination of the allowance for loan losses as of the periods indicated. These loans are included in the impaired loan analysis, as discussed below. IMPAIRED LOANS A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Impaired loans include nonperforming loans and loans modified in a TDR. When management identifies a loan as impaired, the impairment is measured based on the present value of expected future cash flows, discounted at the loan's effective interest rate, except when the sole or remaining source of repayment for the loan is the operation or liquidation of the collateral. In these cases, management uses the current fair value of the collateral, less selling costs, when foreclosure is probable, instead of the discounted cash flows. If management determines that the value of the impaired loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), impairment is recognized through an allowance estimate or a charge-off to the allowance. When the ultimate collectability of the total principal of an impaired loan is in doubt and the loan is in nonaccrual status, all payments are applied to principal under the cost recovery method. For financial statement purposes, the recorded investment in the loan is the actual principal balance reduced by payments that would otherwise have been applied to interest. When reporting information on these loans to the applicable customers, the unpaid principal balance is reported as if payments were applied to principal and interest under the original terms of the loan agreements. Therefore, the unpaid principal balance reported to the customer would be higher than the recorded investment in the loan for financial statement purposes. When the ultimate collectability of the total principal of the impaired loan is not in doubt and the loan is in nonaccrual status, contractual interest is credited to interest income when received under the cash basis method. The following table includes the recorded investment and unpaid principal balances (a portion of which may have been charged off) for impaired loans with the associated allowance amount, if applicable, as of the dates presented. Also presented are the average recorded investments in the impaired loans and the related amount of interest recognized for the periods presented. The average balances are calculated based on daily average balances. Impaired Loans by Class (in thousands) As of December 31, 2015 For the year ended December 31, 2015 Recorded Investment Unpaid Principal Balance Without Valuation Allowance With Valuation Allowance Associated Allowance Average Recorded Investment Interest Income Recognized Mortgage loans on real estate: Residential 1-4 family $ 2,994 $ 1,530 $ 1,261 $ 146 $ 2,267 $ 132 Commercial 10,203 6,166 3,208 608 9,305 473 Construction 99 0 99 36 465 5 Second mortgages 535 499 0 0 571 21 Total mortgage loans on real estate $ 13,831 $ 8,195 $ 4,568 $ 790 $ 12,608 $ 631 Commercial loans 330 207 68 8 952 28 Consumer loans 12 12 0 0 13 1 Total $ 14,173 $ 8,414 $ 4,636 $ 798 $ 13,573 $ 660 Impaired Loans by Class (in thousands) As of December 31, 2014 For the year ended December 31, 2014 Recorded Investment Unpaid Principal Balance Without Valuation Allowance With Valuation Allowance Associated Allowance Average Recorded Investment Interest Income Recognized Mortgage loans on real estate: Residential 1-4 family $ 2,898 $ 2,083 $ 646 $ 91 $ 4,099 $ 126 Commercial 11,766 4,729 5,322 163 10,669 449 Construction 1,157 623 534 270 2,431 55 Second mortgages 506 195 282 178 470 25 Total mortgage loans on real estate $ 16,327 $ 7,630 $ 6,784 $ 702 $ 17,669 $ 655 Commercial loans 0 0 0 0 37 0 Consumer loans 14 14 0 0 26 1 Total $ 16,341 $ 7,644 $ 6,784 $ 702 $ $ 17,732 $ 656 MONITORING OF LOANS AND EFFECT OF MONITORING FOR THE ALLOWANCE FOR LOAN LOSSES Loan officers are responsible for continual portfolio analysis and prompt identification and reporting of problem loans, which includes assigning a risk grade to each applicable loan at its origination and revising such grade as the situation dictates. Loan officers maintain frequent contact with borrowers, which should enable the loan officer to identify potential problems before other personnel. In addition, meetings with loan officers and upper management are held to discuss problem loans and review risk grades. Nonetheless, in order to avoid over-reliance upon loan officers for problem loan identification, the Company's loan review system provides for review of loans and risk grades by individuals who are independent of the loan approval process. Risk grades and migration analysis by risk grades are used as a component of the calculation of the allowance for loan losses. ALLOWANCE FOR LOAN LOSSES Management has an established methodology to determine the adequacy of the allowance for loan losses that assesses the risks and losses inherent in the loan portfolio. The Company segments the loans in the portfolio by the categories defined by Schedule RC-C of the Federal Financial Institutions Examination Council Consolidated Reports of Condition and Income Form 041 (Call Report). Loans are segmented into the following pools: commercial, real estate-construction, real estate-mortgage, consumer and other loans. The Company also sub-segments the real estate-mortgage segment into four classes: residential 1-4 family, commercial real estate, second mortgages and equity lines of credit. The Company uses an internally developed risk evaluation model in the estimation of the credit risk process. The model and assumptions used to determine the allowance are independently validated and reviewed to ensure that the theoretical foundation, assumptions, data integrity, computational processes and reporting practices are appropriate and properly documented. Each portfolio segment has risk characteristics as follows: · Commercial: Commercial loans carry risks associated with the successful operation of a business or project, in addition to other risks associated with the ownership of a business. The repayment of these loans may be dependent upon the profitability and cash flows of the business. In addition, there is risk associated with the value of collateral other than real estate which may depreciate over time and cannot be appraised with as much precision. · Real estate-construction: Construction loans carry risks that the project will not be finished according to schedule, the project will not be finished according to budget and the value of the collateral may at any point in time be less than the principal amount of the loan. Construction loans also bear the risk that the general contractor, who may or may not be the loan customer, may be unable to finish the construction project as planned because of financial pressure unrelated to the project. · Real estate-mortgage: Residential mortgage loans and equity lines of credit carry risks associated with the continued credit-worthiness of the borrower and changes in the value of the collateral. Commercial real estate loans carry risks associated with the successful operation of a business if owner occupied. If non-owner occupied, the repayment of these loans may be dependent upon the profitability and cash flow from rent receipts. · Consumer loans: Consumer loans carry risks associated with the continued credit-worthiness of the borrowers and the value of the collateral. Consumer loans are more likely than real estate loans to be immediately adversely affected by job loss, divorce, illness or personal bankruptcy. · Other loans: Other loans are loans to mortgage companies, loans for purchasing or carrying securities, and loans to insurance, investment and finance companies. These loans carry risks associated with the successful operation of a business. In addition, there is risk associated with the value of collateral other than real estate which may depreciate over time, depend on interest rates or fluctuate in active trading markets. Each segment of the portfolio is pooled by risk grade or by days past due. Loans not secured by real estate and made to individuals for household, family and other personal expenditures are segmented into pools based on days past due, while all other loans, including loans to consumers that are secured by real estate, are segmented by risk grades. A historical loss percentage is then calculated by migration analysis and applied to each pool. The migration analysis applied to all pools is able to track the risk grading and historical performance of individual loans throughout a number of periods set by management, which provides management with information regarding trends (or migrations) in a particular loan segment. At December 31, 2015 and December 31, 2014, m anagement used twelve-quarter migration periods. THE COMPANY'S ESTIMATION PROCESS Loans are either individually evaluated for impairment or pooled with like loans and collectively evaluated for impairment. Also, various qualitative factors are applied to each segment of the loan portfolio. The allowance for loan losses is the accumulation of these components. Management's estimate is based on certain observable, historical data that management believes are most reflective of the underlying credit losses being estimated. Management provides an allocated component of the allowance for loans that are individually evaluated for impairment. An allocated allowance is established when the discounted value of expected future cash flows from the impaired loan (or the collateral value or observable market price of the impaired loan) is lower than the carrying value of that loan. This allocation represents the sum of management's estimated losses on each loan. Loans collectively evaluated for impairment are pooled, with a historical loss rate, based on migration analysis, applied to each pool, segmented by risk grade or days past due, depending on the type of loan. Based on credit risk assessments and management's analysis of qualitative factors, additional loss factors are applied to loan balances. These additional qualitative factors include: economic conditions, trends in growth, loan concentrations, changes in certain loans, changes in underwriting, changes in management and changes in the legal and regulatory environment. ALLOWANCE FOR LOAN LOSSES BY SEGMENT The total allowance reflects management's estimate of loan losses inherent in the loan portfolio at the balance sheet date. The Company considers the allowance for loan losses of $7.7 million adequate to cover loan losses inherent in the loan portfolio at December 31, 2015. The following table presents, by portfolio segment, the changes in the allowance for loan losses and the recorded investment in loans for the periods presented. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. ALLOWANCE FOR LOAN LOSSES AND RECORDED INVESTMENT IN LOANS (in thousands) For the year ended December 31, 2015 Commercial Real Estate - Construction Real Estate - Mortgage Consumer Other Total Allowance for Loan Losses: Balance at the beginning of period $ 595 $ 703 $ 5,347 $ 219 $ 211 $ 7,075 Charge-offs (293 ) 0 (321 ) (92 ) (191 ) (897 ) Recoveries 50 1 393 39 52 535 Provision for loan losses 281 281 209 113 141 1,025 Ending balance $ 633 $ 985 $ 5,628 $ 279 $ 213 $ 7,738 Ending balance individually evaluated for impairment $ 8 $ 36 $ 754 $ 0 $ 0 $ 798 Ending balance collectively evaluated for impairment 625 949 4,874 279 213 6,940 Ending balance $ 633 $ 985 $ 5,628 $ 279 $ 213 $ 7,738 Loan Balances: Ending balance individually evaluated for impairment $ 275 $ 99 $ 12,664 $ 12 $ 0 $ 13,050 Ending balance collectively evaluated for impairment 42,922 19,586 424,495 50,415 18,007 555,425 Ending balance $ 43,197 $ 19,685 $ 437,159 $ 50,427 $ 18,007 $ 568,475 For the year ended December 31, 2014 Commercial Real Estate - Construction Real Estate - Mortgage Consumer Other Total Allowance for Loan Losses: Balance at the beginning of period $ 350 $ 662 $ 5,357 $ 294 $ 168 $ 6,831 Charge-offs (286 ) (51 ) (563 ) (163 ) (175 ) (1,238 ) Recoveries 55 173 524 64 66 882 Provision for loan losses 476 (81 ) 29 24 152 600 Ending balance $ 595 $ 703 $ 5,347 $ 219 $ 211 $ 7,075 Ending balance individually evaluated for impairment $ 0 $ 270 $ 432 $ 0 $ 0 $ 702 Ending balance collectively evaluated for impairment 595 433 4,915 219 211 6,373 Ending balance $ 595 $ 703 $ 5,347 $ 219 $ 211 $ 7,075 Loan Balances: Ending balance individually evaluated for impairment $ 0 $ 1,157 $ 13,257 $ 14 $ 0 $ 14,428 Ending balance collectively evaluated for impairment 37,698 7,925 422,657 30,479 22,807 521,566 Ending balance $ 37,698 $ 9,082 $ 435,914 $ 30,493 $ 22,807 $ 535,994 CHANGES IN ACCOUNTING METHODOLOGY There were no changes in accounting methodology for the allowance for loan losses for the year ended December 31, 2015.

Foreclosed Assets

Foreclosed Assets	12 Months Ended
	Dec. 31, 2015
Foreclosed Assets [Abstract]
Foreclosed Assets	NOTE 5, Other Real Estate Owned (OREO) The Company holds certain parcels of real estate due to completed foreclosure proceedings on defaulted loans or the closing of former branches. An analysis of the balance in OREO is as follows: Years Ended December 31, 2015 2014 (in thousands) Balance at beginning of year $ 8,014 $ 9,190 Transfers to OREO due to foreclosure 553 1,815 Other additions to foreclosed properties 0 23 Properties sold (3,277 ) (3,014 ) Balance at end of year $ 5,290 $ 8,014 Other additions to foreclosed properties in the table above are for capital improvements on existing properties. OREOs are presented net of a valuation allowance for losses. As the fair values of OREOs change, adjustments are made to the recorded investment in the properties through the valuation allowance to ensure that all properties are recorded at the lower of cost or fair value. Properties written down in previous periods can be written back up if a current property valuation warrants the change, though never above the original cost of the property. An analysis of the valuation allowance on OREOs is as follows: Years Ended December 31, 2015 2014 (in thousands) Balance at beginning of year $ 2,908 $ 2,775 Additions and write-downs 1,011 1,056 Reductions due to sales or increases in value (1,370 ) (923 ) Balance at end of year $ 2,549 $ 2,908 Expenses applicable to OREOs include the following: Years Ended December 31, 2015 2014 (in thousands) Net loss (gain) on sales of real estate $ (54 ) $ (184 ) Provision for losses (net write-downs) 1,011 1,056 Operating expenses, net of income (1) 219 285 Total Expenses $ 1,176 $ 1,157 (1) Included in other operating income and other operating expense on the Consolidated Statements of Income.

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2015
Premises and Equipment [Abstract]
Premises and Equipment	NOTE 6, Premises and Equipment Premises and equipment consisted of the following at December 31: 2015 2014 (in thousands) Land $ 7,688 $ 7,261 Buildings 37,848 38,301 Construction in process 555 291 Leasehold improvements 852 906 Furniture, fixtures and equipment 18,303 19,391 65,246 66,150 Less accumulated depreciation and amortization 23,964 24,075 $ 41,282 $ 42,075 Depreciation expense for the years ended December 31, 2015 and 2014 amounted to $2.5 and $2.3 million, respectively. The Company has noncancellable leases on premises and equipment expiring at various dates, not including extensions, to the year 2020. Certain leases provide for increased annual payments based on increases in real estate taxes and the Consumer Price Index. The total approximate minimum rental commitment at December 31, 2015 under noncancellable leases is $871 thousand which is due as follows (in thousands): 2016 $ 236 2017 235 2018 167 2019 149 2020 84 Total $ 871 The aggregate rental expense of premises and equipment was $270 thousand and $281 thousand for December 31, 2015 and 2014, respectively.

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits	12 Months Ended
	Dec. 31, 2015
Investments in Affordable Housing Projects [Abstract]
Low-Income Housing Tax Credits [Text Block]	NOTE 7, Low-Income Housing Tax Credits The Company was invested in four separate housing equity funds at December 31, 2015 and three separate funds at December 31, 2014. The general purpose of these funds is to encourage and assist participants in investing in low-income residential rental properties located in the Commonwealth of Virginia, develop and implement strategies to maintain projects as low-income housing, deliver Federal Low Income Housing Credits to investors, allocate tax losses and other possible tax benefits to investors, and preserve and protect project assets. The investments in these funds were recorded as other assets on the consolidated balance sheets and were $4.2 million and $722 thousand at December 31, 2015 and December 31, 2014, respectively. The expected terms of these investments and the related tax benefits run through 2032. During the years ended December 31, 2015 and 2014, the Company recognized tax credits and other tax benefits related to these investments of $365 thousand and $477 thousand, respectively. Total tax credits received for 2015 were $274 thousand, which is based on the most recent quarterly estimates received from the funds. Additional committed capital calls expected for the funds totaled $3.0 million and $2.7 million at December 31, 2015 and December 31, 2014, respectively, and are recorded in accrued expenses and other liabilities on the corresponding consolidated balance sheet.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2015
Deposits [Abstract]
Deposits	NOTE 8, Deposits The aggregate amount of time deposits in denominations of $250 thousand or more at December 31, 2015 and 2014 was $36.4 million and $40.2 million, respectively. As of December 31, 2015, no single customer relationship exceeded 5 percent of total deposits. At December 31, 2015 the scheduled maturities of time deposits (in thousands) are as follows : 2016 $ 85,910 2017 48,942 2018 18,932 2019 19,135 2020 37,092 Total $ 210,011

Short Term and Long Term Borrow

Short Term and Long Term Borrowings	12 Months Ended
	Dec. 31, 2015
Short Term and Long Term Borrowings [Abstract]
Short Term and Long Term Borrowings	NOTE 9, Short Term and Long Term Borrowings The Company's short-term borrowing sources include federal funds purchased and overnight repurchase agreements. The Company had no federal funds purchased on December 31, 2015 or 2014. At December 31, 2015, the Company had $50.0 million available in federal funds lines of credit to address any short-term borrowing needs. Overnight repurchase agreements, which totaled $26.0 million and $37.4 million as of December 31, 2015 and 2014, respectively, are classified as secured borrowings that generally mature within one to four days from the transaction date. Securities sold under agreements to repurchase are reflected at the amount of cash received in connection with the transaction. The Company may be required to provide additional collateral based on the fair value of the underlying securities. As of December 31, 2015, three customer relationships exceeded 5 percent of total repurchase agreements, with a combined outstanding balance of $20.0 million, or 77.23% of total repurchase agreements. The Company's long-term debt at December 31, 2015 and 2014 consisted of fixed-rate FHLB advances. The FHLB advances are secured by a blanket lien on qualified 1 – 4 family residential real estate loans. These pledged loans totaled $75.8 million at December 31, 2015. In February of 2016, the Company elected to prepay its remaining FHLB advance of $25.0 million. Although prepayment of the advance subjected the Company to a prepayment penalty equal to the cost to the FHLB to unwind its underlying hedge plus an administrative fee, the Company determined that the interest expense saved was more than the cost to prepay the advance. At December 31, 2015, the Company had $237.2 million in FHLB borrowing availability, in addition to the $25.0 million already outstanding on that date. The contractual maturities of long-term debt are as follows: December 31, 2015 2014 Fixed Weighted Fixed Weighted Rate Avg Rate Rate Avg Rate (in thousands) (in thousands) Due in 2015 $ 0 0.00 % $ 5,000 0.26 % Due in 2016 25,000 4.83 % 25,000 4.83 % Total long-term debt $ 25,000 4.83 % $ 30,000 4.07 %

Stock Option Plan

Stock Option Plan	12 Months Ended
	Dec. 31, 2015
Stock Option Plan [Abstract]
Stock Option Plan	NOTE 10, Stock Option Plan The Company's 1998 Stock Option Plan, pursuant to which stock options could be granted to key employees and non-employee directors, expired on March 9, 2008. Stock options that were outstanding on March 9, 2008 remained outstanding in accordance with their terms, but no new awards can be granted under the plan after March 9, 2008. At December 31, 2015, options to purchase 74,960 shares of common stock granted under the stock option plan were outstanding. The exercise price of each option equals the market price of the Company's common stock on the date of the grant, and each option's maximum term is ten years. Stock option plan activity for the year ended December 31, 2015 is summarized below: Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Aggregate Intrinsic Value (in thousands) Options outstanding, January 1, 2015 81,210 $ 20.05 Granted 0 0 Exercised 0 0 Canceled or expired (6,250 ) 20.05 Options outstanding, December 31, 2015 74,960 $ 20.05 1.79 $ 0 Options exercisable, December 31, 2015 74,960 $ 20.05 1.79 $ 0 The aggregate intrinsic value of a stock option in the table above represents the total pre-tax intrinsic value (the amount by which the current market value of the underlying stock exceeds the exercise price of the option) that would have been received by the option holders had all option holders exercised their options on December 31, 2015.This amount changes based on changes in the market value of the Company's common stock. As of December 31, 2015, the outstanding options had no intrinsic value because the exercise prices of all outstanding options were above the market value of a share of the Company's common stock. No options were granted or exercised during the years ended December 31, 2015 or December 31, 2014. As of December 31, 2015 and December 31, 2014, all outstanding stock options were fully vested and there was no unrecognized stock-based compensation expense. Information pertaining to options outstanding at December 31, 2015 is as follows: Options Outstanding Options Exercisable Range of Exercise Prices Number Outstanding Weighted Average Remaining Contractual Life Weighted Average Exercise Price Number Exercisable Weighted Average Exercise Price $ 20.05 74,960 1.79 $ 20.05 74,960 $ 20.05

Stockholders' Equity and Earnin

Stockholders' Equity and Earnings per Common Share	12 Months Ended
	Dec. 31, 2015
Stockholders' Equity and Earnings Per Common Share [Abstract]
Stockholders' Equity and Earnings Per Common Share	NOTE 11, Stockholders' Equity and Earnings per Common Share STOCKHOLDERS' EQUITY -- OTHER COMPREHENSIVE INCOME (LOSS) The following table presents information on amounts reclassified out of accumulated other comprehensive loss, by category, during the periods indicated: Years Ended December 31, Affected Line Item on 2015 2014 (in thousands) Available-for-sale securities Realized gains (losses) on sales of securities $ 76 $ 2 Gain (loss) on sale of available-for-sale securities, net Tax effect 26 1 Income tax (benefit) expense $ 50 $ 1 Defined-benefit pension plan Amortization of actuarial loss (1) $ (390 ) $ (251 ) Salaries and employee benefits Tax effect (133 ) (85 ) Income tax benefit $ (257 ) $ (166 ) Total reclassifications for the period $ (207 ) $ (165 ) (1) This accumulated other comprehensive loss component is included in the computation of net periodic pension cost (see Note 14. Pension Plan for additional details). The following table presents the changes in accumulated other comprehensive loss, by category, net of tax, for the periods indicated: Unrealized Gains (Losses) on Available-for-Sale Securities Unrealized Losses on Securities Transferred from Available-for-Sale to Held-to-Maturity (1) Defined Benefit Pension Plans Accumulated Other Comprehensive Loss (in thousands) Balance at December 31, 2013 $ (5,317 ) $ (3,937 ) $ (1,548 ) $ (10,802 ) Net change for the year ended December 31, 2014 5,239 551 (881 ) 4,909 Balance at December 31, 2014 (78 ) (3,386 ) (2,429 ) (5,893 ) Net change for the year ended December 31, 2015 (498 ) 3,386 (157 ) 2,731 Balance at December 31, 2015 $ (576 ) $ 0 $ (2,586 ) $ (3,162 ) (1) Net change for the year ended December 31, 2015 represents reclassification due to the transfer of securities held-to-maturity to available-for-sale. See Note 3. Securities. The following table presents the change in each component of other comprehensive income on a pre-tax and after-tax basis for the periods indicated. Year Ended December 31, 2015 Pretax Tax Effect Net-of-Tax (in thousands) Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (679 ) $ (231 ) $ (448 ) Reclassification adjustment for gains recognized in income (76 ) (26 ) (50 ) Net unrealized losses on securities (755 ) (257 ) (498 ) Unrealized losses on securities transferred from available-for-sale to held-to-maturity: Elimination upon transfer back to available-for-sale 4,197 1,427 2,770 Amortization 934 318 616 Net change 5,131 1,745 3,386 Defined benefit pension plans: Net actuarial loss for the period (627 ) (213 ) (414 ) Amortization of actuarial loss from prior period 390 133 257 Net change (237 ) (80 ) (157 ) Total change in accumulated other comprehensive loss $ 4,139 $ 1,408 $ 2,731 Year Ended December 31, 2014 Pretax Tax Effect Net-of-Tax (in thousands) Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 7,940 $ 2,700 $ 5,240 Reclassification adjustment for gains recognized in income (2 ) (1 ) (1 ) Net change 7,938 2,699 5,239 Unrealized losses on securities transferred from available-for-sale to held-to-maturity: Amortization 835 284 551 Net change 835 284 551 Defined benefit pension plans: Net actuarial loss for the period (1,587 ) (540 ) (1,047 ) Amortization of actuarial loss from prior period 251 85 166 Net change (1,336 ) (455 ) (881 ) Total change in accumulated other comprehensive loss $ 7,437 $ 2,528 $ 4,909 EARNINGS PER COMMON SHARE Earnings per common share has been computed based on the following: Years Ended December 31, 2015 2014 (dollars in thousands) Net income (in thousands) $ 3,634 $ 4,116 Average number of common shares outstanding 4,959,009 4,959,009 Effect of dilutive options 0 0 Average number of common shares outstanding used to calculate diluted earnings per common share 4,959,009 4,959,009 The Company did not include an average of 76 thousand and 117 thousand potential common shares attributable to outstanding stock options in the diluted earnings per share calculation for 2015 and 2014, respectively, because they were antidilutive.

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2015
Related Party Transactions [Abstract]
Related Party Transactions	NOTE 12, Related Party Transactions In the ordinary course of business, the Company has granted loans to principal stockholders, executive officers and directors and their affiliates. These loans were made on substantially the same terms and conditions, including interest rates, collateral and repayment terms, as those prevailing at the same time for comparable transactions with unrelated persons, and, in the opinion of management and the Company's board of directors, do not involve more than normal risk or present other unfavorable features. None of the principal stockholders, executive officers or directors had direct or indirect loans exceeding 10 percent of stockholders' equity at December 31, 2015. Annual activity consisted of the following: 2015 2014 (in thousands) Balance, beginning of year $ 5,787 $ 2,589 Additions 4 3,596 Reductions (1,362 ) (398 ) Balance, end of year $ 4,429 $ 5,787 Deposits from related parties held by the Company at December 31, 2015 and 2014 amounted to $14.4 million and $13.2 million, respectively.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2015
Income Taxes [Abstract]
Income Taxes	NOTE 13, Income Taxes The components of income tax expense for the current and prior year-ends are as follows: 2015 2014 (in thousands) Current income tax expense $ 281 $ 297 Deferred income tax benefit (227 ) (101 ) Reported income tax expense $ 54 $ 196 A reconciliation of the expected federal income tax expense on income before income taxes with the reported income tax expense for the same periods follows: Years Ended December 31, 2015 2014 (in thousands) Expected tax expense (34%) $ 1,254 $ 1,466 Interest expense on tax-exempt assets 22 24 Low-income housing tax credits (274 ) (324 ) Tax-exempt interest (654 ) (631 ) Bank-owned life insurance (301 ) (289 ) Other, net 7 (50 ) Reported tax expense $ 54 $ 196 The effective tax rates for 2015 and 2014 were 1.5% and 4.6%, respectively. The components of the net deferred tax asset, included in other assets, are as follows: December 31, 2015 2014 (in thousands) Deferred tax assets: Allowance for loan losses $ 2,631 $ 2,397 Interest on nonaccrual loans 67 100 Other real estate owned 867 989 Pension - other comprehensive income 1,332 1,252 Bank owned life insurance benefit 88 83 Charitable contributions carried forward 109 92 Net unrealized loss on securities available-for-sale 297 40 Net unrealized loss on securities transferred from available-for-sale to held-to-maturity 0 1,744 Unexercised nonqualified options 36 36 Alternative minimum tax 610 269 Deferred benefits and compensation 347 166 Other 78 70 $ 6,462 $ 7,238 Deferred tax liabilities: Depreciation $ (854 ) $ (696 ) Accretion of discounts on securities (1 ) 0 Deferred loan fees and costs (293 ) (295 ) Pension (874 ) (627 ) (2,022 ) (1,618 ) Net deferred tax assets $ 4,440 $ 5,620 The Company files income tax returns in the U.S. federal jurisdiction and the Commonwealth of Virginia. With few exceptions, the Company is no longer subject to U.S. federal, state and local income tax examinations by tax authorities for years prior to 2012.

Pension Plan

Pension Plan	12 Months Ended
	Dec. 31, 2015
Pension Plan [Abstract]
Pension Plan	NOTE 14, Pension Plan and 401(k) Plan PENSION PLAN The Company provides pension benefits for eligible participants through a non-contributory defined-benefit pension plan. The plan was frozen effective September 30, 2006; therefore no additional participants have been or will be added to the plan since such date. Information pertaining to the activity in the plan, using a measurement date of December 31, is as follows: Years ended December 31, 2015 2014 (in thousands) Change in benefit obligation Benefit obligation at beginning of year $ 7,104 $ 5,656 Service cost 0 0 Interest cost 260 278 Benefits paid (294 ) (298 ) Actuarial (gain) loss (31 ) 1,468 Benefit obligation at end of year $ 7,039 $ 7,104 Change in plan assets Fair value of plan assets at beginning of year $ 5,268 $ 5,322 Actual return on plan assets (283 ) 244 Employer contribution 1,000 0 Benefits paid (294 ) (298 ) Fair value of plan assets at end of year $ 5,691 $ 5,268 Funded Status at end of year $ (1,348 ) $ (1,836 ) Amounts recognized in the consolidated balance sheets at December 31, 2015 2014 Accrued pension liability $ (1,348 ) $ (1,836 ) Amounts recognized in other comprehensive income (loss) Loss $ 3,918 $ 3,681 Deferred taxes (1,332 ) (1,252 ) Net loss $ 2,586 $ 2,429 Accumulated benefit obligation $ 7,039 $ 7,104 Assumptions used to determine the benefit obligations at December 31, 2015 2014 Discount rate 4.03% 3.73% During the years ending December 31, Weighted-average assumptions used to determine net periodic pension cost 2015 2014 Discount rate 3.73% 4.90% Expected long-term rate of return on plan assets 7.00% 7.00% Years ended December 31, Components of net periodic pension cost 2015 2014 (in thousands) Interest cost $ 260 $ 278 Expected return on plan assets (376 ) (362 ) Amortization of unrecognized loss 390 251 Net periodic pension cost $ 274 $ 167 Components of other amounts recognized in other comprehensive income (loss) Net actuarial (gain) loss $ 627 $ 1,587 Settlement loss 0 0 Amortization of actuarial loss (390 ) (251 ) Total recognized in other comprehensive income (loss) $ 237 $ 1,336 Total recognized in net periodic benefit cost and other comprehensive income (loss) $ 511 $ 1,503 The estimated net loss for the pension plan that will be amortized from accumulated other comprehensive loss into net periodic benefit cost over the next year is $560 thousand. The overall expected long-term rate of return on plan assets was determined based on the current asset allocation and the related volatility of those investments. The Company's overall investment strategy is growth with income. The emphasis of the objective is on both capital appreciation and income. The portfolio contains a blend of securities expected to grow in value over the long term and those expected to produce income. Moderate market value volatility is expected. The pension plan invests primarily in large and mid-cap equities and government and corporate bonds, with the following target allocations: equities 55 percent, fixed income 40 percent and cash 5 percent. The pension plan has small investments in precious metals and emerging markets equity mutual funds, each of which represents less than 1 percent of the total account value. Fair value is discussed in detail in Note 16. The fair value of the Company's pension plan assets by asset category are as follows: Assets at Fair Value as of December 31, 2015 (in thousands) Asset Category Level 1 Level 2 Level 3 Total Money market funds $ 654 $ 0 $ 0 $ 654 Mutual funds 74 0 0 74 Common stock 2,766 0 0 2,766 Corporate bonds 0 2,133 0 2,133 Partnerships 0 64 0 64 Total assets at fair value $ 3,494 $ 2,197 $ 0 $ 5,691 Assets at Fair Value as of December 31, 2014 (in thousands) Asset Category Level 1 Level 2 Level 3 Total Money market funds $ 310 $ 0 $ 0 $ 310 Mutual funds 73 0 0 73 Common stock 2,847 0 0 2,847 Corporate bonds 0 2,038 0 2,038 Total assets at fair value $ 3,230 $ 2,038 $ 0 $ 5,268 The Company contributed $1.0 million to the pension plan in 2015, and made no contributions in 2014. Management has not determined at this time the amount, if any, it will contribute to the plan for the year ending December 31, 2016. Estimated future benefit payments, which reflect expected future service, as appropriate, are as follows (in thousands): 2016 $ 219 2017 259 2018 281 2019 294 2020 352 Thereafter 2,051 Total $ 3,456 401(K) PLAN The Company has a 401(k) Plan in which substantially all employees are eligible to participate. Employees may contribute to the plan subject to certain limits based on federal tax laws. The Company makes matching contributions equal to 100 percent of the first 4 percent of an employee's compensation contributed to the plan. Matching contributions vest to the employee immediately. The Company may make profit sharing contributions to the plan as determined by the Board of Directors. Profit sharing contributions vest to the employee over a six-year period. For the years ended December 31, 2015 and 2014, expense attributable to the plan amounted to $519 thousand and $527 thousand, respectively.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2015
Commitments and Contingencies [Abstract]
Commitments and Contingencies	NOTE 15, Commitments and Contingencies CREDIT-RELATED FINANCIAL INSTRUMENTS The Company is a party to credit-related financial instruments with off-balance-sheet risk in the normal course of business in order to meet the financing needs of its customers. These financial instruments include commitments to extend credit, standby letters of credit and commercial letters of credit. Such commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets. The Company's exposure to credit loss is represented by the contractual amount of these commitments. The Company follows the same credit policies in making such commitments as it does for on-balance-sheet instruments. The following financial instruments whose contract amounts represent credit risk were outstanding at December 31: 2015 2014 (in thousands) Commitments to extend credit: Home equity lines of credit $ 41,995 $ 43,372 Commercial real estate, construction and development loans committed but not funded 18,113 21,839 Other lines of credit (principally commercial) 73,213 70,368 Total $ 133,321 $ 135,579 Letters of credit $ 3,473 $ 3,586 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 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 Company evaluates each customer's credit-worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company, upon extensions of credit is based on management's credit evaluation of the customer. Collateral held varies but may include accounts receivable, inventory, property, plant and equipment and income-producing commercial properties. Unfunded commitments under commercial lines of credit, revolving credit lines, and overdraft protection agreements are commitments for possible future extensions of credit to existing customers. These lines of credit are not collateralized and usually do not contain a specified maturity date, and ultimately may or may not be drawn upon to the total extent to which the Company is committed. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those letters of credit are primarily issued to support public and private borrowing arrangements. Essentially all letters of credit issued have expiration dates within one year, with the exception of one letter of credit which expires in 2020. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Company holds various collateral supporting those commitments for which collateral is deemed necessary. LEGAL CONTINGENCIES Various legal claims arise from time to time in the normal course of business, which, in the opinion of management, will not have a material effect on the Company's Consolidated Financial Statements.

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2015
Fair Value Measurements [Abstract]
Fair Value Measurements	NOTE 16, Fair Value Measurements DETERMINATION OF FAIR VALUE The Company uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. In accordance with the "Fair Value Measurements and Disclosures" topics of FASB ASU 2010-06 and FASB ASU 2011-04, the fair value of a financial instrument is the price that would be received in the sale of an asset or transfer of a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company's various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimate of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument. The fair value guidance provides a consistent definition of fair value, which focuses on exit price in an orderly transaction (that is, not a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions. If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques may be appropriate. In such instances, determining the price at which willing market participants would transact at the measurement date under current market conditions depends on the facts and circumstances and requires the use of significant judgment. The fair value can be a reasonable point within a range that is most representative of fair value under current market conditions. In estimating the fair value of assets and liabilities, the Company relies mainly on two models. The first model, used by the Company's bond accounting service provider, determines the fair value of securities. Securities are priced based on an evaluation of observable market data, including benchmark yield curves, reported trades, broker/dealer quotes, and issuer spreads. Pricing is also impacted by credit information about the issuer, perceived market movements, and current news events impacting the individual sectors. For assets other than securities and for all liabilities, fair value is determined using the Company's asset/liability modeling software. The software uses current yields, anticipated yield changes, and estimated duration of assets and liabilities to calculate fair value. In accordance with ASC 820, "Fair Value Measurements and Disclosures," the Company groups its financial assets and financial liabilities generally measured at fair value into three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. Level 1 – Valuation is based on quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date. Level 1 assets and liabilities generally include debt and equity securities that are traded in an active exchange market. Valuations are obtained from readily available pricing sources for market transactions involving identical assets or liabilities. Level 2 – Valuation is based on inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly. The valuation may be based on quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the asset or liability. Level 3 – Valuation is based on unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which determination of fair value requires significant management judgment or estimation. An instrument's categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement. ASSETS MEASURED AT FAIR VALUE ON A RECURRING BASIS Debt and equity securities with readily determinable fair values that are classified as "available-for-sale" are recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. Securities available-for-sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted market prices, when available (Level 1). If quoted market prices are not available, fair values are measured utilizing independent valuation techniques of identical or similar securities for which significant assumptions are derived primarily from or corroborated by observable market data. Third party vendors compile prices from various sources and may determine the fair value of identical or similar securities by using pricing models that consider observable market data (Level 2). In certain cases where there is limited activity or less transparency around inputs to the valuation, securities are classified within Level 3 of the valuation hierarchy. Currently, all of the Company's available-for-sale securities are considered to be Level 2 securities. The following table presents the balances of certain assets measured at fair value on a recurring basis as of the dates indicated: Fair Value Measurements at December 31, 2015 Using (in thousands) Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Description Balance Available-for-sale securities U.S. Treasury securities $ 0 $ 0 $ 0 $ 0 Obligations of U.S. Government agencies 24,240 0 24,240 0 Obligations of state and political subdivisions 78,433 0 78,433 0 Mortgage-backed securities 107,396 0 107,396 0 Money market investments 631 0 631 0 Corporate bonds 3,393 0 3,393 0 Other marketable equity securities 99 0 99 0 Total available-for-sale securities $ 214,192 $ 0 $ 214,192 $ 0 Fair Value Measurements at December 31, 2014 Using (in thousands) Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Description Balance Available-for-sale securities U.S. Treasury securities $ 20,000 $ 0 $ 20,000 $ 0 Obligations of U.S. Government agencies 4,618 0 4,618 0 Obligations of state and political subdivisions 50,246 0 50,246 0 Mortgage-backed securities 60,888 0 60,888 0 Money market investments 719 0 719 0 Corporate bonds 2,790 0 2,790 0 Other marketable equity securities 85 0 85 0 Total available-for-sale securities $ 139,346 $ 0 $ 139,346 $ 0 ASSETS MEASURED AT FAIR VALUE ON A NONRECURRING BASIS Under certain circumstances, adjustments are made to the fair value for assets and liabilities although they are not measured at fair value on an ongoing basis. Impaired loans A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. The measurement of fair value and loss associated with impaired loans can be based on the observable market price of the loan, the fair value of the collateral securing the loan, or the present value of the loan's expected future cash flows. Collateral may be in the form of real estate or business assets including equipment, inventory, and accounts receivable, with the vast majority of the collateral in real estate. The value of real estate collateral is determined utilizing an income, market, or cost valuation approach based on an appraisal conducted by an independent, licensed appraiser outside of the Company. In the case of loans with lower balances, the Company may obtain a real estate evaluation instead of an appraisal. Evaluations utilize many of the same techniques as appraisals, and are typically performed by independent appraisers. Once received, appraisals and evaluations are reviewed by trained staff independent of the lending function to verify consistency and reasonability. Appraisals and evaluations are based on significant unobservable inputs, including but not limited to: adjustments made to comparable properties, judgments about the condition of the subject property, the availability and suitability of comparable properties, capitalization rates, projected income of the subject or comparable properties, vacancy rates, projected depreciation rates, and the state of the local and regional economy. The Company may also elect to make additional reductions in the collateral value based on management's best judgment, which represents another source of unobservable inputs. Because of the subjective nature of collateral valuation, impaired loans are considered Level 3. Impaired loans may be secured by collateral other than real estate. The value of business equipment is based upon an outside appraisal if deemed significant, or the net book value on the applicable business' financial statements if not considered significant using observable market data. Likewise, values for inventory and accounts receivable collateral are based on financial statement balances or aging reports (Level 3). If a loan is not collateral-dependent, its impairment may be measured based on the present value of expected future cash flows, discounted at the loan's effective interest rate. Because the loan is discounted at its effective rate of interest, rather than at a market rate, the loan is not considered to be held at fair value and is not included in the tables below. Collateral-dependent impaired loans allocated to the allowance for loan losses are measured at fair value on a nonrecurring basis. Any fair value adjustments are recorded in the period incurred as part of the provision for loan losses on the Consolidated Statements of Income. Other Real Estate Owned (OREO) Loans are transferred to OREO when the collateral securing them is foreclosed on. The measurement of loss associated with OREOs is based on the fair value of the collateral compared to the unpaid loan balance and anticipated costs to sell the property. If there is a contract for the sale of a property, and management reasonably believes the transaction will be consummated in accordance with the terms of the contract, fair value is based on the sale price in that contract (Level 1). If management has recent information about the sale of identical properties, such as when selling multiple condominium units on the same property, the remaining units would be valued based on the observed market data (Level 2). Lacking either a contract or such recent data, management would obtain an appraisal or evaluation of the value of the collateral as discussed above under Impaired Loans (Level 3). After the asset has been booked, a new appraisal or evaluation is obtained when management has reason to believe the fair value of the property may have changed and no later than two years after the last appraisal or evaluation was received. Any fair value adjustments to OREOs below the original book value are recorded in the period incurred and expensed against current earnings. The following table presents the assets carried on the consolidated balance sheets for which a nonrecurring change in fair value has been recorded. Assets are shown by class of loan and by level in the fair value hierarchy, as of the dates indicated. Certain impaired loans are valued by the present value of the loan's expected future cash flows, discounted at the interest rate of the loan rather than at a market rate. These loans are not carried on the consolidated balance sheets at fair value and, as such, are not included in the table below. Former branch sites are carried at the lower of cost or market. Those carried at cost are not included in the table below. Carrying Value at December 31, 2015 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired loans Mortgage loans on real estate: Residential 1-4 family $ 952 $ 0 $ 0 $ 952 Commercial 267 0 0 267 Construction 62 0 0 62 Total $ 1,281 $ 0 $ 0 $ 1,281 Other real estate owned Residential 1-4 family $ 724 $ 0 $ 0 $ 724 Commercial 927 0 0 927 Construction 1,090 0 0 1,090 Total $ 2,741 $ 0 $ 0 $ 2,741 Carrying Value at December 31, 2014 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired loans Mortgage loans on real estate: Residential 1-4 family $ 399 $ 0 $ 0 $ 399 Commercial 1,973 0 0 1,973 Construction 264 0 0 264 Second mortgages 104 0 0 104 Total $ 2,740 $ 0 $ 0 $ 2,740 Other real estate owned Residential 1-4 family $ 884 $ 0 $ 0 $ 884 Commercial 1,198 0 0 1,198 Construction 2,139 0 0 2,139 Total $ 4,221 $ 0 $ 0 $ 4,221 The following table displays quantitative information about Level 3 Fair Value Measurements as of the dates indicated: Quantitative Information About Level 3 Fair Value Measurements Description Fair Value at December 31, 2015 (dollars in thousands) Valuation Techniques Unobservable Input Range (Average) Impaired loans Residential 1-4 family real estate $ 952 Market comparables Selling costs 7.25 % Liquidation discount 0.00% - 4.00% (3.75 %) Commercial real estate 267 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Construction 62 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Other real estate owned Residential 1-4 family 724 Market comparables Selling costs 7.25 % Liquidation discount 4.00% - 7.17% (4.79 %) Commercial 927 Market comparables Selling costs 7.25 % Liquidation discount 4.00% - 24.70% (11.77 %) Construction 1,090 Market comparables Selling costs 6.72 % Liquidation discount 33.05 % Quantitative Information About Level 3 Fair Value Measurements Description Fair Value at December 31, 2014 (dollars in thousands) Valuation Techniques Unobservable Input Range (Average) Impaired loans Residential 1-4 family real estate $ 399 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Commercial real estate 1,973 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Construction 264 Market comparables Selling costs 0.00% - 7.25% (1.18 %) Liquidation discount 4.00% - 28.71% (24.70 %) Second mortgages 104 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Other real estate owned Residential 1-4 family 884 Market comparables Selling costs 7.25 % Liquidation discount 4.00% - 10.00% (8.09 %) Commercial 1,198 Market comparables Selling costs 7.25 % Liquidation discount 4.00% - 10.00% (5.91 %) Construction 2,139 Market comparables Selling costs 7.25% - 11.25% (7.38 %) Liquidation discount 0.00% - 10.00% (2.68 %) FASB ASC 825, "Financial Instruments," requires disclosure about fair value of financial instruments and excludes certain financial instruments and all non-financial instruments from its disclosure requirements. Accordingly, the aggregate fair value amounts presented may not necessarily represent the underlying fair value of the Company's assets. The following methods and assumptions were used by the Company in estimating fair value disclosures for financial instruments not discussed above: CASH AND CASH EQUIVALENTS The carrying amounts of cash and short-term instruments, including interest-bearing due from banks, approximate fair values. RESTRICTED SECURITIES The restricted security category is comprised of FHLB and Federal Reserve Bank stock. These stocks are classified as restricted securities because their ownership is restricted to certain types of entities and they lack a market. When the FHLB or Federal Reserve Bank repurchases stock, they repurchase at the stock's book value. Therefore, the carrying amounts of restricted securities approximate fair value. LOANS RECEIVABLE The fair value of a loan is based on its interest rate in relation to its risk profile, in comparison to what an investor could earn on a different investment with a similar risk profile. Variations in risk tolerance between lenders, and thus in risk pricing, can result in the same loan being priced differently at different institutions. A bank's experience with the type of lending (such as commercial real estate) can also impact its assessment of the riskiness of a loan. A comprehensive picture of competitors' rates in relation to borrower risk profiles is not available. Since the rate and risk profile are the primary factors in determining the fair value of a loan, both of which are unobservable in the market, the Company classifies loans as Level 3 in the fair value hierarchy. The Company uses a model which estimates market value based on the loan's interest rate (regardless of its risk level) and rates for debt of similar maturities where market data is available. Fair values for non-performing loans are estimated as described above. BANK-OWNED LIFE INSURANCE Bank-owned life insurance represents insurance policies on certain current and former officers of the Company. The cash value of the policies is estimated using information provided by the insurance carrier. The insurance carrier uses actuarial data to estimate the value of each policy, based on the age and health of the insured relative to other individuals about whom the carrier has information. Health information can be broken down into quantitative, observable inputs, such as smoking habits, blood pressure, and weight, which, along with the insured's age, can be compared to observable data the insurance carrier has available. The carrier can then estimate the cash value of each policy. Since the cash value represents the amount of cash the Company would receive when the policies are paid, the cash value closely approximates the fair value of the policies. Accordingly, bank-owned life insurance is classified as Level 2. DEPOSIT LIABILITIES The fair value of demand deposits, savings and certain money market deposits is the amount payable on demand at the reporting date. The fair value of certificates of deposit is estimated by discounting the future cash flows using the rates currently offered for deposits of similar remaining maturities. Information about the rates paid by other institutions for deposits of similar terms is readily available, and rates are mainly influenced by the term of the deposit itself. As a result, fair value calculations are based on observable inputs, and are classified as Level 2. SHORT-TERM BORROWINGS The carrying amounts of federal funds purchased, overnight repurchase agreements, and other short-term borrowings maturing within 90 days approximate their fair values. Since the contractual terms of these borrowings provide all information necessary to calculate the amounts that will be due at maturity, these liabilities are classified as Level 2. LONG-TERM BORROWINGS The fair values of the Company's long-term borrowings are estimated based on the current cost to repay the debt in full, discounted to current values and including any prepayment penalties that may apply. As the contractual terms of the borrowing provide all the necessary inputs for this calculation, long-term borrowings are classified as Level 2. ACCRUED INTEREST The calculation of accrued interest is based on readily observable information, such as the rate and term of the underlying asset or liability. Since these amounts are expected to be realized quickly (generally within 30 to 90 days), the carrying value approximates fair value and is classified as Level 2. COMMITMENTS TO EXTEND CREDIT AND IRREVOCABLE LETTERS OF CREDIT The fair value of commitments is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present credit-worthiness of the counterparties. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair value of letters of credit is based on fees currently charged for similar agreements or on the estimated cost to terminate them or otherwise settle the obligations with the counterparties at the reporting date. At December 31, 2015 and December 31, 2014, the fair value of fees charged for loan commitments and irrevocable letters of credit was immaterial. The estimated fair values, and related carrying or notional amounts, of the Company's financial instruments as of the dates indicated are as follows: Fair Value Measurements at December 31, 2015 Using (in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets Cash and cash equivalents $ 36,990 $ 36,990 $ 0 $ 0 Securities available-for-sale 214,192 0 214,192 0 Securities held-to-maturity 0 0 0 0 Restricted securities 2,016 0 2,016 0 Loans, net of allowances for loan losses 560,737 0 0 559,488 Bank owned life insurance 24,411 0 24,411 0 Accrued interest receivable 3,059 0 3,059 0 Liabilities Deposits $ 746,471 $ 0 $ 746,740 $ 0 Overnight repurchase agreements 25,950 0 25,950 0 Term repurchase agreements 0 0 0 0 Federal Home Loan Bank advances 25,000 0 25,501 0 Accrued interest payable 241 0 241 0 Fair Value Measurements at December 31, 2014 Using (in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets Cash and cash equivalents $ 33,305 $ 33,305 $ 0 $ 0 Securities available-for-sale 139,346 0 139,346 0 Securities held-to-maturity 90,089 0 94,406 0 Restricted securities 2,293 0 2,293 0 Loans, net of allowances for loan losses 528,919 0 0 527,138 Bank owned life insurance 23,525 0 23,525 0 Accrued interest receivable 2,695 0 2,695 0 Liabilities Deposits $ 716,654 $ 0 $ 717,260 $ 0 Overnight repurchase agreements 37,404 0 37,404 0 Term repurchase agreements 412 0 410 0 Federal Home Loan Bank advances 30,000 0 31,536 0 Accrued interest payable 255 0 255 0

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2015
Regulatory Matters [Abstract]
Regulatory Matters	NOTE 17, Regulatory Matters The Company (on a consolidated basis) and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can cause certain mandatory and possibly additional discretionary actions to be initiated by regulators that, if undertaken, could have a direct material effect on the Company's and the Bank's financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Prompt corrective action provisions are not applicable to bank holding companies. Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth in the following table) of total and Tier 1 capital to risk-weighted assets and of Tier 1 capital to average assets. The terms Tier 1 capital, risk-weighted assets and average assets, as used in this note, are as defined in the applicable regulations. Management believes, as of December 31, 2015 and 2014, that the Company and the Bank meet all capital adequacy requirements to which they are subject. As of December 31, 2015, the most recent notification from the Comptroller categorized the Bank as well-capitalized under the regulatory framework for prompt corrective action. To be categorized as well-capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the following tables. There are no conditions or events since the notification that management believes have changed the Bank's category. The Company's and the Bank's actual capital amounts and ratios as of December 31, 2015 and 2014 are also presented in the table. Capital Minimum Capital Requirement Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio (dollars in thousands) December 31, 2015: Total Capital to Risk Weighted Assets: Consolidated $ 104,076 14.89 % $ 55,910 8.00 % N/ A N/ A Old Point National Bank 96,079 13.83 % 55,589 8.00 % $ 69,486 10.00 % Tier 1 Capital to Risk Weighted Assets: Consolidated 96,338 13.78 % 41,932 6.00 % N/ A N/ A Old Point National Bank 88,341 12.71 % 41,692 6.00 % 55,589 8.00 % Common Equity Tier 1 Capital to Risk Weighted Assets: Consolidated 96,338 13.78 % 31,449 4.50 % N/ A N/ A Old Point National Bank 88,341 12.71 % 31,269 4.50 % 45,166 6.50 % Tier 1 Capital to Average Assets: Consolidated 96,338 10.93 % 35,260 4.00 % N/ A N/ A Old Point National Bank 88,341 10.06 % 35,124 4.00 % 43,905 5.00 % December 31, 2014: Total Capital to Risk Weighted Assets: Consolidated $ 101,450 15.44 % $ 52,560 8.00 % N/ A N/ A Old Point National Bank 94,472 14.45 % 52,294 8.00 % $ 65,367 10.00 % Tier 1 Capital to Risk Weighted Assets: Consolidated 94,375 14.36 % 26,280 4.00 % N/ A N/ A Old Point National Bank 87,397 13.37 % 26,147 4.00 % 39,220 6.00 % Tier 1 Capital to Average Assets: Consolidated 94,375 10.75 % 35,131 4.00 % N/ A N/ A Old Point National Bank 87,397 10.01 % 34,940 4.00 % 43,675 5.00 % The approval of the Comptroller is required if the total of all dividends declared by a national bank in any calendar year exceeds the bank's net profits for that year combined with its retained net profits for the preceding two calendar years. Under this formula, the Bank and Trust can distribute as dividends to the Company in 2016, without approval of the Comptroller, $3.0 million plus an additional amount equal to the Bank's and Trust's retained net profits for 2016 up to the date of any dividend declaration.

Segment Reporting

Segment Reporting	12 Months Ended
	Dec. 31, 2015
Segment Reporting [Abstract]
Segment Reporting	NOTE 18, Segment Reporting The Company operates in a decentralized fashion in three principal business segments: the Bank, the Trust, and the Parent. Revenues from the Bank's operations consist primarily of interest earned on loans and investment securities and service charges on deposit accounts. Trust's operating revenues consist principally of income from fiduciary activities. The Parent company's revenues are mainly interest and dividends received from the Bank and Trust companies. The Company has no other segments. The Company's reportable segments are strategic business units that offer different products and services. They are managed separately because each segment appeals to different markets and, accordingly, requires different technologies and marketing strategies. Information about reportable segments, and reconciliation of such information to the Consolidated Financial Statements as of and for the years ended December 31 follows: 2015 Bank Trust Unconsolidated Parent Eliminations Consolidated (in thousands) Revenues Interest and dividend income $ 30,242 $ 54 $ 4,009 $ (4,010 ) $ 30,295 Income from fiduciary activities 0 3,617 0 0 3,617 Other income 8,548 1,032 200 (261 ) 9,519 Total operating income 38,790 4,703 4,209 (4,271 ) 43,431 Expenses Interest expense 3,633 0 0 (1 ) 3,632 Provision for loan losses 1,025 0 0 0 1,025 Salaries and employee benefits 17,630 2,685 432 0 20,747 Other expenses 13,254 1,010 336 (261 ) 14,339 Total operating expenses 35,542 3,695 768 (262 ) 39,743 Income before taxes 3,248 1,008 3,441 (4,009 ) 3,688 Income tax expense (benefit) (96 ) 343 (193 ) 0 54 Net income $ 3,344 $ 665 $ 3,634 $ (4,009 ) $ 3,634 Capital expenditures $ 1,682 $ 74 $ 0 $ 0 $ 1,756 Total assets $ 891,877 $ 5,694 $ 93,191 $ (93,975 ) $ 896,787 2014 Bank Trust Unconsolidated Parent Eliminations Consolidated (in thousands) Revenues Interest and dividend income $ 30,239 $ 50 $ 4,349 $ (4,349 ) $ 30,289 Income from fiduciary activities 0 3,506 0 0 3,506 Other income 8,283 916 200 (261 ) 9,138 Total operating income 38,522 4,472 4,549 (4,610 ) 42,933 Expenses Interest expense 3,849 0 0 0 3,849 Provision for loan losses 600 0 0 0 600 Salaries and employee benefits 16,761 2,695 428 0 19,884 Other expenses 13,371 1,053 125 (261 ) 14,288 Total operating expenses 34,581 3,748 553 (261 ) 38,621 Income before taxes 3,941 724 3,996 (4,349 ) 4,312 Income tax expense (benefit) 69 247 (120 ) 0 196 Net income $ 3,872 $ 477 $ 4,116 $ (4,349 ) $ 4,116 Capital expenditures $ 3,786 $ 20 $ 0 $ 0 $ 3,806 Total assets $ 871,691 $ 5,513 $ 88,497 $ (89,421 ) $ 876,280 The accounting policies of the segments are the same as those described in the summary of significant accounting policies. The Company evaluates performance based on profit or loss from operations before income taxes not including nonrecurring gains or losses. Both the Parent and the Trust companies maintain deposit accounts with the Bank, on terms substantially similar to those available to other customers. These transactions are eliminated to reach consolidated totals. The Company operates in one geographical area and does not have a single external customer from which it derives 10 percent or more of its revenues.

Condensed Financial Statements

Condensed Financial Statements of Parent Company	12 Months Ended
	Dec. 31, 2015
Condensed Financial Statements of Parent Company [Abstract]
Condensed Financial Statements of Parent Company	NOTE 19, Condensed Financial Statements of Parent Company Financial information pertaining to Old Point Financial Corporation (parent company only) is as follows: December 31, Balance Sheets 2015 2014 (in thousands) Assets Cash and cash equivalents $ 2,198 $ 1,349 Securities available-for-sale 99 85 Investment in common stock of subsidiaries 90,836 87,005 Other assets 58 58 Total assets $ 93,191 $ 88,497 Liabilities and Stockholders' Equity Note payable - subsidiary $ 15 $ 0 Common stock 24,795 24,795 Additional paid-in capital 16,392 16,392 Retained earnings 55,151 53,203 Accumulated other comprehensive loss (3,162 ) (5,893 ) Total liabilities and stockholders' equity $ 93,191 $ 88,497 Years Ended December 31, Statements of Income 2015 2014 (in thousands) Income: Dividends from subsidiaries $ 2,900 $ 2,475 Other income 200 200 Total income 3,100 2,675 Expenses: Salaries and benefits 432 428 Legal expenses 180 107 Service fees 137 143 Other operating expenses 19 (125 ) Total expenses 768 553 Income before income taxes and equity in undistributed net income of subsidiaries 2,332 2,122 Income tax benefit (193 ) (120 ) 2,525 2,242 Equity in undistributed net income of subsidiaries 1,109 1,874 Net income $ 3,634 $ 4,116 Years Ended December 31, Statements of Cash Flows 2015 2014 (in thousands) Cash flows from operating activities: Net income $ 3,634 $ 4,116 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries (1,109 ) (1,874 ) (Increase) decrease in other assets (5 ) 124 Increase (decrease) in other liabilities 15 (1 ) Net cash provided by operating activities 2,535 2,365 Cash flows from investing activities: 0 0 Cash flows from financing activities: (1,686 ) (1,289 ) Net increase in cash and cash equivalents 849 1,076 Cash and cash equivalents at beginning of year 1,349 273 Cash and cash equivalents at end of year $ 2,198 $ 1,349 Supplemental schedule of noncash transactions: Unrealized loss on securities available-for-sale $ (1 ) $ (15 ) Book value of equity securities transferred from other assets to available-for-sale $ 0 $ 100

Subsequent Events

Subsequent Events	12 Months Ended
	Dec. 31, 2015
Subsequent Events [Abstract]
Subsequent Events [Text Block]	NOTE 20, Subsequent Events In February of 2016, the Company elected to pay off its advance from the Federal Home Loan Bank. This $25 million advance, which would have matured in June of 2016, bore an interest rate of 4.83%, significantly higher than other borrowing sources in the current rate environment. Previously, the Company had elected not to prepay this advance due to the penalty that would be assessed in the event of prepayment. As the amount of the penalty was dependent on market rates of interest, the volatility in the financial markets during the first quarter of 2016 provided the Company with an opportunity to prepay the advance for a penalty that was less than the amount of interest it would have paid for the remaining term of the advance. The amount of the penalty was $391 thousand. Also in February of 2016, the Company transferred its portfolio of held-to-maturity securities to available-for-sale to increase liquidity and flexibility in the future. This transfer allows the Company to sell these securities as necessary to manage interest rate risk or to fund loan growth. For a detailed discussion of this transfer and its effects on the consolidated financial statements, refer to Note 3, Securities Portfolio.

Significant Accounting Polici29

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2015
Significant Accounting Policies [Abstract]
PRINCIPLES OF CONSOLIDATION	PRINCIPLES OF CONSOLIDATION The Consolidated Financial Statements include the accounts of Old Point Financial Corporation (the Company) and its wholly-owned subsidiaries, The Old Point National Bank of Phoebus (the Bank) and Old Point Trust & Financial Services N.A. (Trust). All significant intercompany balances and transactions have been eliminated in consolidation. The Company consolidates subsidiaries in which it holds, directly or indirectly, more than 50 percent of the voting rights or where it exercises control. Entities where the Company holds 20 to 50 percent of the voting rights, or has the ability to exercise significant influence, or both, are accounted for under the equity method. As discussed below, the Company consolidates entities deemed to be variable interest entities (VIEs) when it is determined to be the primary beneficiary.
NATURE OF OPERATIONS	NATURE OF OPERATIONS Old Point Financial Corporation is a holding company that conducts substantially all of its operations through two subsidiaries, The Old Point National Bank of Phoebus and Old Point Trust & Financial Services, N.A. The Bank serves individual and commercial customers, the majority of which are in Hampton Roads, Virginia. As of December 31, 2015, the Bank had 18 branch offices. The Bank offers a full range of deposit and loan products to its retail and commercial customers. Trust offers a full range of services for individuals and businesses. Products and services include retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax services and investment management services.
VARIABLE INTEREST ENTITIES	VARIABLE INTEREST ENTITIES A legal entity is referred to as a VIE if any of the following conditions exist, which are outlined in the Financial Accounting Standards Board (FASB) Accounting Standards Codification (ASC) variable interest accounting guidance (FASB ASC 810-10-15-14): (1) the total equity investment at risk is insufficient to permit the legal entity to finance its activities without additional subordinated financial support from other parties, or (2) the entity has equity investors that cannot make significant decisions about the entity's operations or that do not absorb their proportionate share of the expected losses or receive the expected returns of the entity. In addition, as specified in VIE accounting guidance (FASB ASC 810-10-25-38), a VIE must be consolidated by the Company if it is deemed to be the primary beneficiary of the VIE, which is the party involved with the VIE that will absorb a majority of the expected losses, receive a majority of the expected residual returns, or both. At this time, the Company has no VIEs that are consolidated. The Company does have an interest in one VIE, Old Point Mortgage, LLC, which is not consolidated because the Company has determined that it is not the primary beneficiary.
USE OF ESTIMATES	USE OF ESTIMATES In preparing Consolidated Financial Statements in conformity with U.S. GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated balance sheet and reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, other-than-temporary impairment of securities, the valuation allowance on other real estate owned and the determination of defined benefit obligations.
SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK	SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK Most of the Company's activities are with customers located within the Hampton Roads region. The types of securities that the Company invests in are included in Note 3. The types of lending that the Company engages in are included in Note 4. The Company has significant concentrations in the following industries: construction, lessors of real estate, activities related to real estate, ambulatory health care and religious organizations. The Company does not have any significant concentrations to any one customer. At December 31, 2015 and 2014, there were $297.4 million and $296.6 million, or 52.32% and 55.34%, respectively, of total loans concentrated in commercial real estate. Commercial real estate for purposes of this note includes all construction loans, loans secured by multifamily residential properties, loans secured by farmland and loans secured by nonfarm, nonresidential properties.
CASH AND CASH EQUIVALENTS	CASH AND CASH EQUIVALENTS For purposes of the consolidated statements of cash flows, cash and cash equivalents includes cash and balances due from banks and federal funds sold, all of which mature within 90 days.
INTEREST-BEARING DEPOSITS IN BANKS	INTEREST-BEARING DEPOSITS IN BANKS Interest-bearing deposits in banks mature within one year and are carried at cost.
SECURITIES	SECURITIES Certain debt securities that management has the positive intent and ability to hold until maturity are classified as "held-to-maturity" and recorded at amortized cost. Securities not classified as held-to-maturity, including equity securities with readily determinable fair values, are classified as "available-for-sale" and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. The Company evaluates securities for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. The Company employs a systematic methodology that considers available evidence in evaluating potential impairment of its investments. In the event that the cost of an investment exceeds its fair value, the Company evaluates, among other factors, the magnitude and duration of the decline in fair value; the expected cash flows of the securities; the financial health of and business outlook for the issuer; the performance of the underlying assets for interests in securitized assets; and the Company's intent and ability to hold the investment. Once a decline in fair value is determined to be other-than-temporary, an impairment charge is recorded in investment income and a new cost basis in the investment is established.
FEDERAL HOME LOAN BANK STOCK	FEDERAL HOME LOAN BANK STOCK The Company, as a member of the Federal Home Loan Bank of Atlanta (FHLB), is required to maintain an investment in the capital stock of the FHLB. Based on the redemption provisions of the FHLB, the stock has no quoted market value, is carried at cost and is listed as a restricted security. The Company reviews its holdings for impairment based on the ultimate recoverability of the cost basis in the FHLB stock.
LOANS	LOANS The Company extends loans to individual consumers and commercial customers for various purposes. Most of the Company's loans are secured by real estate, including real estate construction loans and real estate mortgage loans (i.e., residential 1-4 family mortgages, commercial real estate loans, second mortgages and equity lines of credit). Other loans are secured by collateral that is not real estate, which may include inventory, accounts receivable, equipment or other personal property. A substantial portion of the loan portfolio is represented by real estate mortgage loans throughout Hampton Roads. The ability of the Company's debtors to honor their contracts is dependent in part upon the real estate and general economic conditions in this area. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for unearned income, the allowance for loan losses and any unamortized deferred fees or costs on originated loans. For loans amortized at cost, interest income is accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, as well as premiums and discounts, are deferred and amortized as a level yield adjustment over the respective term of the loan. The accrual of interest on commercial loans (including construction loans and commercial loans secured and not secured by real estate) is generally discontinued at the time the loan is 90 days past due unless the credit is well-secured and in the process of collection. Consumer loans not secured by real estate and consumer real estate secured loans (i.e., residential 1-4 family mortgages, second mortgages and equity lines of credit) are generally placed on nonaccrual status when payments are 120 days past due. Past due status is based on the contractual terms of the loan, and loans are considered past due when a payment of principal and/or interest is due but not paid. Regular payments not received within the payment cycle are considered to be 30, 60, or 90 or more days past due accordingly. In all cases, loans are placed on nonaccrual status or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not collected for loans that are placed on nonaccrual status or charged off is reversed against interest income. The interest on these loans is accounted for on the cash basis or cost recovery method, until qualifying for return to accrual. Loans are generally returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured, or when the borrower has resumed paying the full amount of the scheduled contractual interest and principal payments for at least six months.
ALLOWANCE FOR LOAN LOSSES	ALLOWANCE FOR LOAN LOSSES The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management's periodic review of the collectibility of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower's ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired, such as a loan that is considered a TDR (discussed in detail below). These loans are excluded from pooled loss forecasts and a separate reserve is provided under the accounting guidance for loan impairment. All loans, including consumer loans, whose terms have been modified in a TDR are also individually analyzed for estimated impairment. Impairment is measured on a loan-by-loan basis for construction loans and commercial loans (i.e., commercial mortgage loans on real estate and commercial loans not secured by real estate) by either the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's obtainable market price, or the fair value of the collateral if the loan is collateral dependent. For those loans that are classified as impaired, an allowance is established when the discounted value of expected future cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower's prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. The general component covers loans that are not classified as impaired. Loans collectively evaluated for impairment are pooled, with a historical loss rate, based on migration analysis, applied to each pool, segmented by risk grade or days past due, depending on the type of loan. Based on credit risk assessments and management's analysis of qualitative factors, additional loss factors are applied to loan balances. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and consumer loans secured by real estate (i.e., residential 1-4 family mortgages, second mortgages and equity lines of credit) for impairment disclosures, unless such loans are the subject of a restructuring agreement due to financial difficulties of the borrower.
LOAN CHARGE-OFF POLICIES	LOAN CHARGE-OFF POLICIES Loans are generally fully charged off or partially charged down to the fair value of collateral securing the asset when: · Management determines the asset to be uncollectible; · Repayment is deemed to be protracted beyond reasonable time frames; · The asset has been classified as a loss by either the internal loan review process or external examiners; · The borrower has filed for bankruptcy protection and the loss becomes evident due to a lack of borrower assets; or · The loan is 120 days or more past due unless the loan is both well secured and in the process of collection.
TROUBLED DEBT RESTRUCTURINGS	TROUBLED DEBT RESTRUCTURINGS In situations where, for economic or legal reasons related to a borrower's financial difficulties, management grants a concession for other than an insignificant period of time to the borrower that would not otherwise be considered, the related loan is classified as a TDR. Management strives to identify borrowers in financial difficulty before their loans reach nonaccrual status and works with them to grant appropriate concessions, if necessary, and modify their loans to more affordable terms. These modified terms could include reduction in the interest rate below current market rates for borrowers with similar risk profiles, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. In cases where borrowers are granted new terms that provide for a reduction of either interest or principal, management measures any impairment on the restructuring as noted above for impaired loans. The Company had $11.2 million and $12.3 million in loans classified as TDRs as of December 31, 2015 and 2014, respectively.
TRANSFERS OF FINANCIAL ASSETS	TRANSFERS OF FINANCIAL ASSETS Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company (i.e., put presumptively beyond the reach of the transferor and its creditors, even in bankruptcy or other receivership); (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets.
FORECLOSED ASSETS	OTHER REAL ESTATE OWNED (OREO) Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance (direct write-downs) are included in net expenses from foreclosed assets.
Bank-Owned Life Insurance [Policy Text Block]	BANK-OWNED LIFE INSURANCE The Company owns insurance on the lives of a certain group of key employees. The policies were purchased to help offset the increase in the costs of various benefit plans. The cash surrender value of these policies is included as an asset on the consolidated balance sheets, and the increase in cash surrender value is recorded as noninterest income on the consolidated statements of income. In the event of the death of an insured individual under these policies, the Company would receive a death benefit payment. Any excess in the amount received over the recorded cash surrender value would be recorded as other income on the consolidated statements of income.
PREMISES AND EQUIPMENT	PREMISES AND EQUIPMENT Land is carried at cost. Buildings and equipment are stated at cost, less accumulated depreciation and amortization computed on the straight-line method over the estimated useful lives of the assets. Buildings and equipment are depreciated over their estimated useful lives ranging from 3 to 39 years; leasehold improvements are amortized over the lives of the respective leases or the estimated useful life of the leasehold improvement, whichever is less. Software is amortized over its estimated useful life ranging from 3 to 5 years.
OFF-BALANCE SHEET CREDIT RELATED FINANCIAL INSTRUMENTS	OFF-BALANCE SHEET CREDIT RELATED FINANCIAL INSTRUMENTS In the ordinary course of business, the Company has entered into commitments to extend credit, including commitments under commercial letters of credit and lines of credit. Such financial instruments are recorded when they are funded.
PENSION PLAN	PENSION PLAN The Company has a non-contributory defined benefit pension plan, which was frozen by the Company in 2006. Benefits for participants will remain frozen in the plan until such time as further action occurs. No additional participants will be added to the plan. The compensation cost of the pension plan is recognized on the projected unit credit method. The aggregate cost method is utilized for funding purposes.
STOCK COMPENSATION PLANS	STOCK COMPENSATION PLANS Stock compensation accounting guidance (FASB ASC 718, "Compensation -- Stock Compensation") requires that the compensation cost related to share-based payment transactions be recognized in financial statements. That cost will be measured based on the grant date fair value of the equity or liability instruments issued. The stock compensation accounting guidance covers a wide range of share-based compensation arrangements including stock options, restricted share plans, performance-based awards, share appreciation rights and employee share purchase plans. The stock compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over the employees' service period, generally defined as the vesting period. For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. A Black Scholes model is used to estimate the fair value of the stock options, while the market price of the Company's common stock at the date of grant is used for restricted stock awards.
INCOME TAXES	INCOME TAXES The Company accounts for income taxes in accordance with income tax accounting guidance (FASB ASC 740, "Income Taxes"). The Company adopted the accounting guidance related to accounting for uncertainty in income taxes, which sets out a consistent framework to determine the appropriate level of tax reserves to maintain for uncertain tax positions. Income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability or balance sheet method. Under this method, the net deferred tax asset or liability is based on the tax effects of the difference between the book and tax basis of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more-likely-than-not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more-likely-than-not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management's judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more-likely-than-not that some portion or all of a deferred tax asset will not be realized. The Company recognizes interest and penalties on income taxes as a component of income tax expense. No uncertain tax positions were recorded in 2015 or 2014.
EARNINGS PER COMMON SHARE	EARNINGS PER COMMON SHARE Basic earnings per share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during the period. Diluted earnings per share reflects additional potential common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate solely to outstanding stock options and are determined using the treasury stock method.
TRUST ASSETS AND INCOME	TRUST ASSETS AND INCOME Securities and other property held by Trust in a fiduciary or agency capacity are not assets of the Company and are not included in the accompanying Consolidated Financial Statements.
ADVERTISING EXPENSES	ADVERTISING EXPENSES Advertising expenses are expensed as incurred. Advertising expense for the years ended 2015 and 2014 was $217 thousand and $265 thousand, respectively.
COMPREHENSIVE INCOME	COMPREHENSIVE INCOME Comprehensive income consists of net income and other comprehensive income. Other comprehensive income includes unrealized gains and losses on securities available-for-sale, unrealized losses on securities transferred from available-for-sale to held-to-maturity, and unrealized losses related to changes in the funded status of the pension plan which are also recognized as separate components of equity.
FAIR VALUE OF FINANCIAL INSTRUMENTS	FAIR VALUE OF FINANCIAL INSTRUMENTS Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 16. Fair value estimates involve uncertainties and matters of significant judgment. Changes in assumptions or in market conditions could significantly affect the estimates.
RECENT ACCOUNTING PRONOUNCEMENTS	RECENT ACCOUNTING PRONOUNCEMENTS In June 2014, the FASB issued ASU No. 2014-12, "Compensation – Stock Compensation (Topic 718): Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period". The new guidance applies to reporting entities that grant employees share-based payments in which the terms of the award allow a performance target to be achieved after the requisite service period. The amendments in the ASU require that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition. Existing guidance in "Compensation – Stock Compensation (Topic 718)", should be applied to account for these types of awards. The amendments in this ASU are effective for annual periods and interim periods within those annual periods beginning after December 15, 2015. Early adoption is permitted and reporting entities may choose to apply the amendments in the ASU either on a prospective or retrospective basis. In August 2014, the FASB issued ASU No. 2014-15, "Presentation of Financial Statements – Going Concern (Subtopic 205-40): Disclosure of Uncertainties about an Entity's Ability to Continue as a Going Concern". This update is intended to provide guidance about management's responsibility to evaluate whether there is substantial doubt about an entity's ability to continue as a going concern and to provide related footnote disclosures. Management is required under the new guidance to evaluate whether there are conditions or events, considered in the aggregate, that raise substantial doubt about the entity's ability to continue as a going concern within one year after the date the financial statements are issued when preparing financial statements for each interim and annual reporting period. If conditions or events are identified, the ASU specifies the process that must be followed by management and also clarifies the timing and content of going concern footnote disclosures in order to reduce diversity in practice. The amendments in this ASU are effective for annual periods and interim periods within those annual periods beginning after December 15, 2016. Early adoption is permitted. The Company does not expect the adoption of ASU 2014-15 to have a material impact on its consolidated financial statements. In November 2014, the FASB issued ASU No. 2014-16, "Derivatives and Hedging (Topic 815): Determining Whether the Host Contract in a Hybrid Financial Instrument Issued in the Form of a Share Is More Akin to Debt or to Equity". The amendments in this ASU do not change the current criteria in U.S. GAAP for determining when separation of certain embedded derivative features in a hybrid financial instrument is required. The amendments clarify how current U.S. GAAP should be interpreted in evaluating the economic characteristics and risks of a host contract in a hybrid financial instrument that is issued in the form of a share. Specifically, the amendments clarify that an entity should consider all relevant terms and features, including the embedded derivative feature being evaluated for bifurcation, in evaluating the nature of the host contract. Furthermore, the amendments clarify that no single term or feature would necessarily determine the economic characteristics and risks of the host contract. Rather, the nature of the host contract depends upon the economic characteristics and risks of the entire hybrid financial instrument. The amendments in this ASU also clarify that, in evaluating the nature of a host contract, an entity should assess the substance of the relevant terms and features (i.e., the relative strength of the debt-like or equity-like terms and features given the facts and circumstances) when considering how to weight those terms and features. The amendments in this ASU are effective for public business entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption, including adoption in an interim period, is permitted. The Company does not expect the adoption of ASU 2014-16 to have a material impact on its consolidated financial statements. In January 2015, the FASB issued ASU No. 2015-01, "Income Statement—Extraordinary and Unusual Items (Subtopic 225-20): Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items". The amendments in this ASU eliminate from U.S. GAAP the concept of extraordinary items. Subtopic 225-20, Income Statement - Extraordinary and Unusual Items, required that an entity separately classify, present, and disclose extraordinary events and transactions. Presently, an event or transaction is presumed to be an ordinary and usual activity of the reporting entity unless evidence clearly supports its classification as an extraordinary item. If an event or transaction meets the criteria for extraordinary classification, an entity is required to segregate the extraordinary item from the results of ordinary operations and show the item separately in the income statement, net of tax, after income from continuing operations. The entity also is required to disclose applicable income taxes and either present or disclose earnings-per-share data applicable to the extraordinary item. The amendments in this ASU are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted provided that the guidance is applied from the beginning of the fiscal year of adoption. The Company does not expect the adoption of ASU 2015-01 to have a material impact on its consolidated financial statements. In February 2015, the FASB issued ASU No. 2015-02, "Consolidation (Topic 810): Amendments to the Consolidation Analysis". The amendments in this ASU are intended to improve targeted areas of consolidation guidance for legal entities such as limited partnerships, limited liability corporations, and securitization structures (collateralized debt obligations, collateralized loan obligations, and mortgage-backed security transactions). In addition to reducing the number of consolidation models from four to two, the new standard simplifies the FASB ASC and improves current GAAP by placing more emphasis on risk of loss when determining a controlling financial interest, reducing the frequency of the application of related-party guidance when determining a controlling financial interest in a variable interest entity (VIE), and changing consolidation conclusions for public and private companies in several industries that typically make use of limited partnerships or VIEs. The amendments in this ASU are effective for public business entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted, including adoption in an interim period. ASU 2015-02 may be applied retrospectively in previously issued financial statements for one or more years with a cumulative-effect adjustment to retained earnings as of the beginning of the first year restated. The Company does not expect the adoption of ASU 2015-02 to have a material impact on its consolidated financial statements. In April 2015, the FASB issued ASU No. 2015-03, "Interest – Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs". The amendments in this ASU are intended to simplify the presentation of debt issuance costs. These amendments require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this ASU. The amendments in this ASU are effective for public business entities for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years. Early adoption is permitted for financial statements that have not been previously issued. The Company does not expect the adoption of ASU 2015-03 to have a material impact on its consolidated financial statements. In April 2015, the FASB issued ASU No. 2015-05, "Intangibles - Goodwill and Other - Internal-Use Software (Subtopic 350-40): Customer's Accounting for Fees Paid in a Cloud Computing Arrangement". The amendments in this ASU provide guidance to customers about whether a cloud computing arrangement includes a software license. If a cloud computing arrangement includes a software license, then the customer should account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, the customer should account for the arrangement as a service contract. The amendments do not change the accounting for a customer's accounting for service contracts. As a result of the amendments, all software licenses within the scope of Subtopic 350-40 will be accounted for consistent with other licenses of intangible assets. The amendments in this ASU are effective for public business entities for annual periods, including interim periods within those annual periods, beginning after December 15, 2015. Early adoption is permitted. An entity can elect to adopt the amendments either: (1) prospectively to all arrangements entered into or materially modified after the effective date; or (2) retrospectively. The Company does not expect the adoption of ASU 2015-03 to have a material impact on its consolidated financial statements. In May 2015, the FASB issued ASU No. 2015-08, "Business Combinations (Topic 805): Pushdown Accounting – Amendments to SEC Paragraphs Pursuant to Staff Accounting Bulletin No. 115". The amendments in ASU 2015-08 amend various SEC paragraphs pursuant to the issuance of Staff Accounting Bulletin No. 115, Topic 5: Miscellaneous Accounting, regarding various pushdown accounting issues, and did not have a material impact on our consolidated financial statements. In July 2015, the FASB issued ASU No. 2015-12, "Plan Accounting: Defined Benefit Pension Plans (Topic 960), Defined Contribution Pension Plans (Topic 962), and Health and Welfare Benefit Plans (Topic 965) – 1. Fully Benefit-Responsive Investment Contracts, 2. Plan Investment Disclosures, and 3. Measurement Date Practical Expedient". The amendments within this ASU are in 3 parts. Among other things, Part 1 amendments designate contract value as the only required measure for fully benefit-responsive investment contracts; Part II amendments eliminate the requirement that plans disclose: (a) individual investments that represent 5 percent or more of net assets available for benefits; and (b) the net appreciation or depreciation for investments by general type requirements for both participant-directed investments and nonparticipant-directed investments. Part III amendments provide a practical expedient to permit plans to measure investments and investment-related accounts (e.g., a liability for a pending trade with a broker) as of a month-end date that is closest to the plan's fiscal year-end, when the fiscal period does not coincide with month-end. The amendments in Parts I and II of this ASU are effective on a retrospective basis and Part III is effective on a prospective basis, for fiscal years beginning after December 15, 2015. Early adoption is permitted. The Company does not expect the adoption of ASU 2015-12 to have a material impact on its consolidated financial statements. In August 2015, the FASB issued ASU No. 2015-14, "Revenue from Contracts with Customers (Topic 606): Deferral of Effective Date". The amendments in ASU 2015-14 defer the effective date of ASU 2014-09 for all entities by one year. Public business entities, certain not-for-profit entities, and certain employee benefit plans should apply the guidance in ASU 2014-09 to annual reporting periods beginning after December 15, 2017, including interim reporting periods within that reporting period. Earlier application is permitted only as of annual reporting periods beginning after December 15, 2016, including interim reporting periods within that reporting period. All other entities should apply the guidance in ASU 2014-09 to annual reporting periods beginning after December 15, 2018, and interim reporting periods within annual reporting periods beginning after December 15, 2019. All other entities may apply the guidance in ASU 2014-09 earlier as of an annual reporting period beginning after December 15, 2016, including interim reporting periods within that reporting period. All other entities also may apply the guidance in ASU 2014-09 earlier as of an annual reporting period beginning after December 15, 2016, and interim reporting periods within annual reporting periods beginning one year after the annual reporting period in which the entity first applies the guidance in ASU 2014-09. The Company does not expect the adoption of ASU 2015-14 (or ASU 2014-09) to have a material impact on its consolidated financial statements. In August 2015, the FASB issued ASU 2015-15, "Interest – Imputation of Interest (Subtopic 835-30) – Presentation and Subsequent Measurement of Debt Issuance Costs Associated with Line-of-Credit Arrangements (Amendments to SEC Paragraphs Pursuant to Staff Announcement at June 18, 2015 EITF Meeting)". On April 7, 2015, the FASB issued ASU 2015-03, "Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs", which requires entities to present debt issuance costs related to a recognized debt liability as a direct deduction from the carrying amount of that debt liability. The guidance in ASU 2015-03 (see paragraph 835-30-45-1A) does not address presentation or subsequent measurement of debt issuance costs related to line-of-credit arrangements. Given the absence of authoritative guidance within ASU 2015-03 for debt issuance costs related to line-of-credit arrangements, the SEC staff stated that they would not object to an entity deferring and presenting debt issuance costs as an asset and subsequently amortizing the deferred debt issuance costs ratably over the term of the line-of-credit arrangement, regardless of whether there are any outstanding borrowings on the line-of-credit arrangement. ASU 2015-15 adds these SEC comments to the "S" section of the Codification. The adoption of ASU 2015-15 did not have a material impact on our consolidated financial statements. In September 2015, the FASB issued ASU 2015-16, "Business Combinations (Topic 805): Simplifying the Accounting for Measurement-Period Adjustments". The amendments in ASU 2015-16 require that an acquirer recognize adjustments to estimated amounts that are identified during the measurement period in the reporting period in which the adjustment amounts are determined. The amendments require that the acquirer record, in the same period's financial statements, the effect on earnings of changes in depreciation, amortization, or other income effects, if any, as a result of the change to the estimated amounts, calculated as if the accounting had been completed at the acquisition date. The amendments also require an entity to present separately on the face of the income statement or disclose in the notes the portion of the amount recorded in current-period earnings by line item that would have been recorded in previous reporting periods if the adjustment to the estimated amounts had been recognized as of the acquisition date. The amendments in this ASU are effective for public business entities for fiscal years beginning after December 15, 2015, including interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2016, and interim periods within fiscal years beginning after December 15, 2017. The amendments should be applied prospectively to adjustments to provisional amounts that occur after the effective date with earlier application permitted for financial statements that have not been issued. The Company does not expect the adoption of ASU 2015-16 to have a material impact on its consolidated financial statements. In January 2016, the FASB issued ASU 2016-01, "Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities". The amendments in ASU 2016-01, among other things: 1) Requires equity investments (except those accounted for under the equity method of accounting, or those that result in consolidation of the investee) to be measured at fair value with changes in fair value recognized in net income. 2) Requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes. 3) Requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (i.e., securities or loans and receivables). 4) Eliminates the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost. The amendments in this ASU are effective for public companies for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. The Company is currently assessing the impact that ASU 2016-01 will have on its consolidated financial statements. In February 2016, the FASB issued ASU No. 2016-02, "Leases (Topic 842)." Among other things, in the amendments in ASU 2016-02, lessees will be required to recognize the following for all leases (with the exception of short-term leases) at the commencement date: (1) A lease liability, which is a lessee's obligation to make lease payments arising from a lease, measured on a discounted basis; and (2) A right-of-use asset, which is an asset that represents the lessee's right to use, or control the use of, a specified asset for the lease term. Under the new guidance, lessor accounting is largely unchanged. Certain targeted improvements were made to align, where necessary, lessor accounting with the lessee accounting model and Topic 606, Revenue from Contracts with Customers. The amendments in this ASU are effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Early application is permitted upon issuance. Lessees (for capital and operating leases) and lessors (for sales-type, direct financing, and operating leases) must apply a modified retrospective transition approach for leases existing at, or entered into after, the beginning of the earliest comparative period presented in the financial statements. The modified retrospective approach would not require any transition accounting for leases that expired before the earliest comparative period presented. Lessees and lessors may not apply a full retrospective transition approach. The Company is currently assessing the impact that ASU 2016-02 will have on its consolidated financial statements.

Securities Portfolio (Tables)

Securities Portfolio (Tables)	12 Months Ended
	Dec. 31, 2015
Securities Portfolio [Abstract]
Amortized costs and fair value of securities held-to-maturity	The amortized cost and fair value, with gross unrealized gains and losses, of securities held-to-maturity were: December 31, 2014 Carrying Value Unamortized Unrealized Transfer Losses Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (in thousands) Obligations of U.S. Government agencies $ 100 $ 0 $ 100 $ 0 $ (3 ) $ 97 Obligations of state and political subdivisions 29,529 0 29,529 449 (18 ) 29,960 Mortgage-backed securities 60,460 5,131 65,591 0 (1,242 ) 64,349 Total $ 90,089 $ 5,131 $ 95,220 $ 449 $ (1,263 ) $ 94,406 The Company had no held-to-maturity-securities at December 31, 2015 due to a decision in February of 2016 to transfer the portfolio to available-for-sale to allow for greater liquidity and flexibility in the future. Although the decision was made after December 31, 2015, the transfer was effective dated back to year-end as the primary difference between held-to-maturity and available-for-sale is management's intent to hold the securities to maturity. The transfer in 2016 demonstrated a change in management's intent as of year-end.
Amortized costs and fair value of securities available-for-sale	The amortized cost and fair value, with gross unrealized gains and losses, of securities available-for-sale were: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (in thousands) December 31, 2015 U.S. Treasury securities $ 0 $ 0 $ 0 $ 0 Obligations of U.S. Government agencies 24,353 1 (114 ) 24,240 Obligations of state and political subdivisions 77,223 1,323 (113 ) 78,433 Mortgage-backed securities 109,360 0 (1,964 ) 107,396 Money market investments 631 0 0 631 Corporate bonds and other securities 3,397 4 (8 ) 3,393 Other marketable equity securities 100 0 (1 ) 99 Total $ 215,064 $ 1,328 $ (2,200 ) $ 214,192 December 31, 2014 U.S. Treasury securities $ 20,000 $ 0 $ 0 $ 20,000 Obligations of U.S. Government agencies 4,768 2 (152 ) 4,618 Obligations of state and political subdivisions 49,783 698 (235 ) 50,246 Mortgage-backed securities 61,296 34 (442 ) 60,888 Money market investments 719 0 0 719 Corporate bonds and other securities 2,798 3 (11 ) 2,790 Other marketable equity securities 100 0 (15 ) 85 Total $ 139,464 $ 737 $ (855 ) $ 139,346
Amortized cost and fair value of securities by contractual maturity	The amortized cost and fair value of securities by contractual maturity are shown below. December 31, 2015 Available-for-Sale Amortized Cost Fair Value (in thousands) Due in one year or less $ 20,500 $ 20,501 Due after one year through five years 17,853 18,074 Due after five years through ten years 23,505 23,936 Due after ten years 152,475 150,951 Total debt securities 214,333 213,462 Other securities without stated maturities 731 730 Total securities $ 215,064 $ 214,192
Information about securities sold	The following table provides information about securities sold in the years ended December 31: 2015 2014 (in thousands) Proceeds from sales $ 23,005 $ 38,653 Gross realized gains $ 76 $ 276 Gross realized losses $ 0 $ 274
Available-for-sale securities and Held-to-maturity securities, continuous unrealized loss position	The following table shows the number of securities with unrealized losses, the gross unrealized losses and fair value of the Company's investments with unrealized losses that are deemed to be temporarily impaired, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, as of the dates indicated: December 31, 2015 Less Than Twelve Months More Than Twelve Months Total Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Number of Securities (dollars in thousands) Securities Available-for-Sale Obligations of U.S. Government agencies $ 0 $ 0 $ 114 $ 3,940 $ 114 $ 3,940 2 Obligations of state and political subdivisions 42 4,177 71 3,545 113 7,722 13 Mortgage-backed securities 848 62,698 1,116 44,698 1,964 107,396 13 Corporate bonds and other securities 6 2,091 2 198 8 2,289 16 Other marketable equity securities 1 99 0 0 1 99 1 Total securities available-for-sale $ 897 $ 69,065 $ 1,303 $ 52,381 $ 2,200 $ 121,446 45 December 31, 2014 Less Than Twelve Months More Than Twelve Months Total Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Number of Securities (dollars in thousands) Securities Available-for-Sale Obligations of U. S. Government agencies $ 0 $ 0 $ 152 $ 4,316 $ 152 $ 4,316 1 Obligations of state and political subdivisions 2 604 233 11,951 235 12,555 24 Mortgage-backed securities 62 16,589 380 32,104 442 48,693 6 Corporate bonds and other securities 3 1,096 8 792 11 1,888 14 Other marketable equity securities 15 85 0 0 15 85 1 Total securities available-for-sale $ 82 $ 18,374 $ 773 $ 49,163 $ 855 $ 67,537 46 Securities Held-to-Maturity Obligations of U. S. Government agencies $ 0 $ 0 $ 3 $ 97 $ 3 $ 97 1 Obligations of state and political subdivisions 2 1,261 16 1,203 18 2,464 6 Mortgage-backed securities 0 0 1,242 64,349 1,242 64,349 6 Total securities held-to-maturity $ 2 $ 1,261 $ 1,261 $ 65,649 $ 1,263 $ 66,910 13 Total $ 84 $ 19,635 $ 2,034 $ 114,812 $ 2,118 $ 134,447 59

Loans and the Allowance for L31

Loans and the Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2015
Loans and the Allowance for Loan Losses [Abstract]
Outstanding Loans By Segment Type	The following is a summary of the balances in each class of the Company's loan portfolio as of the dates indicated: December 31, 2015 December 31, 2014 (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 96,997 $ 91,318 Commercial 277,758 287,531 Construction 19,685 9,082 Second mortgages 15,148 13,403 Equity lines of credit 47,256 43,662 Total mortgage loans on real estate 456,844 444,996 Commercial loans 43,197 37,698 Consumer loans 50,427 30,493 Other 18,007 22,807 Total loans 568,475 535,994 Less: Allowance for loan losses (7,738 ) (7,075 ) Loans, net of allowance and deferred fees (1) $ 560,737 $ 528,919 (1) Deferred loan fees totaled $407 thousand and $473 thousand at December 31, 2015 and December 31, 2014, respectively. Overdrawn deposit accounts are reclassified as loans and included in the Other category in the table above. Overdrawn deposit accounts totaled $648 thousand and $541 thousand at December 31, 2015 and December 31, 2014, respectively.
Credit Quality Information	The following table presents credit quality exposures by internally assigned risk ratings as of the dates indicated: Credit Quality Information As of December 31, 2015 (in thousands) Pass OAEM Substandard Total Mortgage loans on real estate: Residential 1-4 family $ 94,576 $ 0 $ 2,421 $ 96,997 Commercial 261,749 7,394 8,615 277,758 Construction 18,931 0 754 19,685 Second mortgages 14,835 0 313 15,148 Equity lines of credit 47,161 0 95 47,256 Total mortgage loans on real estate 437,252 7,394 12,198 456,844 Commercial loans 40,268 467 2,462 43,197 Consumer loans 50,327 0 100 50,427 Other 18,007 0 0 18,007 Total $ 545,854 $ 7,861 $ 14,760 $ 568,475 Credit Quality Information As of December 31, 2014 (in thousands) Pass OAEM Substandard Total Mortgage loans on real estate: Residential 1-4 family $ 89,480 $ 0 $ 1,838 $ 91,318 Commercial 272,654 10,602 4,275 287,531 Construction 8,026 0 1,056 9,082 Second mortgages 13,306 0 97 13,403 Equity lines of credit 42,976 0 686 43,662 Total mortgage loans on real estate 426,442 10,602 7,952 444,996 Commercial loans 36,007 1,669 22 37,698 Consumer loans 30,463 0 30 30,493 Other 22,807 0 0 22,807 Total $ 515,719 $ 12,271 $ 8,004 $ 535,994
Past Due Loans	AGE ANALYSIS OF PAST DUE LOANS BY CLASS All classes of loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Interest and fees continue to accrue on past due loans until the date the loan is placed in nonaccrual status, if applicable. The following table includes an aging analysis of the recorded investment in past due loans as of the dates indicated. Also included in the table below are loans that are 90 days or more past due as to interest and principal and still accruing interest, because they are well-secured and in the process of collection. Loans in nonaccrual status that are also past due are included in the aging categories in the table below. Age Analysis of Past Due Loans as of December 31, 2015 30 - 59 Days Past Due 60 - 89 Days Past Due 90 or More Days Past Due Total Past Due Total Current Loans (1) Total Loans Recorded Investment > 90 Days Past Due and Accruing (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 309 $ 1,042 $ 275 $ 1,626 $ 95,371 $ 96,997 $ 0 Commercial 1,266 31 23 1,320 276,438 277,758 23 Construction 161 0 0 161 19,524 19,685 0 Second mortgages 21 39 165 225 14,923 15,148 0 Equity lines of credit 170 0 0 170 47,086 47,256 0 Total mortgage loans on real estate 1,927 1,112 463 3,502 453,342 456,844 23 Commercial loans 500 88 232 820 42,377 43,197 164 Consumer loans 1,673 1,350 3,163 6,186 44,241 50,427 3,163 Other 64 3 6 73 17,934 18,007 6 Total $ 4,164 $ 2,553 $ 3,864 $ 10,581 $ 557,894 $ 568,475 $ 3,356 (1) For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due. In the table above, the consumer category includes student loans with principal amounts that are 97 - 98% guaranteed by the government. The past due portion of these guaranteed loans totaled $5.7 million at December 31, 2015. Age Analysis of Past Due Loans as of December 31, 2014 30 - 59 Days Past Due 60 - 89 Days Past Due 90 or More Days Past Due Total Past Due Total Current Loans (1) Total Loans Recorded Investment > 90 Days Past Due and Accruing (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 1,043 $ 55 $ 792 $ 1,890 $ 89,428 $ 91,318 $ 0 Commercial 31 0 432 463 287,068 287,531 0 Construction 0 0 499 499 8,583 9,082 0 Second mortgages 81 32 168 281 13,122 13,403 107 Equity lines of credit 49 0 0 49 43,613 43,662 0 Total mortgage loans on real estate 1,204 87 1,891 3,182 441,814 444,996 107 Commercial loans 195 0 10 205 37,493 37,698 10 Consumer loans 1,099 323 1,019 2,441 28,052 30,493 1,019 Other 51 3 5 59 22,748 22,807 5 Total $ 2,549 $ 413 $ 2,925 $ 5,887 $ 530,107 $ 535,994 $ 1,141 (1) For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due. In the table above, the consumer category includes student loans with principal amounts that are 97 - 98% guaranteed by the government. The past due portion of these guaranteed loans totaled $2.4 million at December 31, 2014.
Nonaccrual Loans	The following table presents loans in nonaccrual status by class of loan as of the dates indicated: Nonaccrual Loans by Class December 31, 2015 December 31, 2014 (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 1,457 $ 924 Commercial 2,623 4,086 Construction 0 499 Second mortgages 226 61 Total mortgage loans on real estate 4,306 5,570 Commercial loans 276 0 Total $ 4,582 $ 5,570
Interest Income to be earned under the Original Terms [Table Text Block]	The following table presents the interest income that the Company would have earned under the original terms of its nonaccrual loans and the actual interest recorded by the Company on nonaccrual loans for the periods presented: Years Ended December 31, 2015 2014 (in thousands) Interest income that would have been recorded under original loan terms $ 196 $ 301 Actual interest income recorded for the period 141 265 Reduction in interest income on nonaccrual loans $ 55 $ 36
Troubled Debt Restructurings by Class	The following table presents TDRs during the period indicated, by class of loan: Troubled Debt Restructurings by Class For the Year Ended December 31, 2015 (dollars in thousands) Number of Modifications Recorded Investment Prior to Modification Recorded Investment After Modification Current Investment on December 31, 2015 Mortgage loans on real estate: Residential 1-4 family 0 $ 0 $ 0 $ 0 Commercial 5 2,094 2,594 2,400 Construction 1 435 435 0 Second mortgages 1 61 61 61 Total 7 $ 2,590 $ 3,090 $ 2,461 Troubled Debt Restructurings by Class For the Year Ended December 31, 2014 (dollars in thousands) Number of Modifications Recorded Investment Prior to Modification Recorded Investment After Modification Current Investment on December 31, 2014 Mortgage loans on real estate: Residential 1-4 family 2 $ 375 $ 375 $ 366 Commercial 0 0 0 0 Construction 1 103 103 102 Second mortgages 1 89 89 86 Total 4 $ 567 $ 567 $ 554
Restructurings that Subsequently Defaulted	The following table presents TDRs for the periods indicated for which there was a payment default where the default occurred within twelve months of restructuring. The Company considers a TDR in default when any of the following occurs: the loan, as restructured, becomes 90 days or more past due; the loan is moved to nonaccrual status following the restructure; the loan is restructured again under terms that would qualify it as a TDR if it were not already so classified; or any portion of the loan is charged off. Restructurings that Subsequently Defaulted For the Years Ended December 31, 2015 2014 (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 0 $ 389 The TDRs in the tables above are factored into the determination of the allowance for loan losses as of the periods indicated. These loans are included in the impaired loan analysis, as discussed below.
Impaired Loans by Class	The following table includes the recorded investment and unpaid principal balances (a portion of which may have been charged off) for impaired loans with the associated allowance amount, if applicable, as of the dates presented. Also presented are the average recorded investments in the impaired loans and the related amount of interest recognized for the periods presented. The average balances are calculated based on daily average balances. Impaired Loans by Class (in thousands) As of December 31, 2015 For the year ended December 31, 2015 Recorded Investment Unpaid Principal Balance Without Valuation Allowance With Valuation Allowance Associated Allowance Average Recorded Investment Interest Income Recognized Mortgage loans on real estate: Residential 1-4 family $ 2,994 $ 1,530 $ 1,261 $ 146 $ 2,267 $ 132 Commercial 10,203 6,166 3,208 608 9,305 473 Construction 99 0 99 36 465 5 Second mortgages 535 499 0 0 571 21 Total mortgage loans on real estate $ 13,831 $ 8,195 $ 4,568 $ 790 $ 12,608 $ 631 Commercial loans 330 207 68 8 952 28 Consumer loans 12 12 0 0 13 1 Total $ 14,173 $ 8,414 $ 4,636 $ 798 $ 13,573 $ 660 Impaired Loans by Class (in thousands) As of December 31, 2014 For the year ended December 31, 2014 Recorded Investment Unpaid Principal Balance Without Valuation Allowance With Valuation Allowance Associated Allowance Average Recorded Investment Interest Income Recognized Mortgage loans on real estate: Residential 1-4 family $ 2,898 $ 2,083 $ 646 $ 91 $ 4,099 $ 126 Commercial 11,766 4,729 5,322 163 10,669 449 Construction 1,157 623 534 270 2,431 55 Second mortgages 506 195 282 178 470 25 Total mortgage loans on real estate $ 16,327 $ 7,630 $ 6,784 $ 702 $ 17,669 $ 655 Commercial loans 0 0 0 0 37 0 Consumer loans 14 14 0 0 26 1 Total $ 16,341 $ 7,644 $ 6,784 $ 702 $ $ 17,732 $ 656
Allowance for loan losses by segment	ALLOWANCE FOR LOAN LOSSES BY SEGMENT The total allowance reflects management's estimate of loan losses inherent in the loan portfolio at the balance sheet date. The Company considers the allowance for loan losses of $7.7 million adequate to cover loan losses inherent in the loan portfolio at December 31, 2015. The following table presents, by portfolio segment, the changes in the allowance for loan losses and the recorded investment in loans for the periods presented. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. ALLOWANCE FOR LOAN LOSSES AND RECORDED INVESTMENT IN LOANS (in thousands) For the year ended December 31, 2015 Commercial Real Estate - Construction Real Estate - Mortgage Consumer Other Total Allowance for Loan Losses: Balance at the beginning of period $ 595 $ 703 $ 5,347 $ 219 $ 211 $ 7,075 Charge-offs (293 ) 0 (321 ) (92 ) (191 ) (897 ) Recoveries 50 1 393 39 52 535 Provision for loan losses 281 281 209 113 141 1,025 Ending balance $ 633 $ 985 $ 5,628 $ 279 $ 213 $ 7,738 Ending balance individually evaluated for impairment $ 8 $ 36 $ 754 $ 0 $ 0 $ 798 Ending balance collectively evaluated for impairment 625 949 4,874 279 213 6,940 Ending balance $ 633 $ 985 $ 5,628 $ 279 $ 213 $ 7,738 Loan Balances: Ending balance individually evaluated for impairment $ 275 $ 99 $ 12,664 $ 12 $ 0 $ 13,050 Ending balance collectively evaluated for impairment 42,922 19,586 424,495 50,415 18,007 555,425 Ending balance $ 43,197 $ 19,685 $ 437,159 $ 50,427 $ 18,007 $ 568,475 For the year ended December 31, 2014 Commercial Real Estate - Construction Real Estate - Mortgage Consumer Other Total Allowance for Loan Losses: Balance at the beginning of period $ 350 $ 662 $ 5,357 $ 294 $ 168 $ 6,831 Charge-offs (286 ) (51 ) (563 ) (163 ) (175 ) (1,238 ) Recoveries 55 173 524 64 66 882 Provision for loan losses 476 (81 ) 29 24 152 600 Ending balance $ 595 $ 703 $ 5,347 $ 219 $ 211 $ 7,075 Ending balance individually evaluated for impairment $ 0 $ 270 $ 432 $ 0 $ 0 $ 702 Ending balance collectively evaluated for impairment 595 433 4,915 219 211 6,373 Ending balance $ 595 $ 703 $ 5,347 $ 219 $ 211 $ 7,075 Loan Balances: Ending balance individually evaluated for impairment $ 0 $ 1,157 $ 13,257 $ 14 $ 0 $ 14,428 Ending balance collectively evaluated for impairment 37,698 7,925 422,657 30,479 22,807 521,566 Ending balance $ 37,698 $ 9,082 $ 435,914 $ 30,493 $ 22,807 $ 535,994
Change in Allowance Methodology	CHANGES IN ACCOUNTING METHODOLOGY There were no changes in accounting methodology for the allowance for loan losses for the year ended December 31, 2015.

Foreclosed Assets (Tables)

Foreclosed Assets (Tables)	12 Months Ended
	Dec. 31, 2015
Foreclosed Assets [Abstract]
Analysis of the balance in foreclosed assets	The Company holds certain parcels of real estate due to completed foreclosure proceedings on defaulted loans or the closing of former branches. An analysis of the balance in OREO is as follows: Years Ended December 31, 2015 2014 (in thousands) Balance at beginning of year $ 8,014 $ 9,190 Transfers to OREO due to foreclosure 553 1,815 Other additions to foreclosed properties 0 23 Properties sold (3,277 ) (3,014 ) Balance at end of year $ 5,290 $ 8,014
Analysis of valuation allowance on foreclosed assets	OREOs are presented net of a valuation allowance for losses. As the fair values of OREOs change, adjustments are made to the recorded investment in the properties through the valuation allowance to ensure that all properties are recorded at the lower of cost or fair value. Properties written down in previous periods can be written back up if a current property valuation warrants the change, though never above the original cost of the property. An analysis of the valuation allowance on OREOs is as follows: Years Ended December 31, 2015 2014 (in thousands) Balance at beginning of year $ 2,908 $ 2,775 Additions and write-downs 1,011 1,056 Reductions due to sales or increases in value (1,370 ) (923 ) Balance at end of year $ 2,549 $ 2,908
Expenses applicable to foreclosed assets	Expenses applicable to OREOs include the following: Years Ended December 31, 2015 2014 (in thousands) Net loss (gain) on sales of real estate $ (54 ) $ (184 ) Provision for losses (net write-downs) 1,011 1,056 Operating expenses, net of income (1) 219 285 Total Expenses $ 1,176 $ 1,157 (1) Included in other operating income and other operating expense on the Consolidated Statements of Income.

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2015
Premises and Equipment [Abstract]
Schedule of premises and equipment	Premises and equipment consisted of the following at December 31: 2015 2014 (in thousands) Land $ 7,688 $ 7,261 Buildings 37,848 38,301 Construction in process 555 291 Leasehold improvements 852 906 Furniture, fixtures and equipment 18,303 19,391 65,246 66,150 Less accumulated depreciation and amortization 23,964 24,075 $ 41,282 $ 42,075
Minimum rental commitment due under noncancellable leases	The total approximate minimum rental commitment at December 31, 2015 under noncancellable leases is $871 thousand which is due as follows (in thousands): 2016 $ 236 2017 235 2018 167 2019 149 2020 84 Total $ 871

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2015
Deposits [Abstract]
Maturities of time deposits	At December 31, 2015 the scheduled maturities of time deposits (in thousands) are as follows : 2016 $ 85,910 2017 48,942 2018 18,932 2019 19,135 2020 37,092 Total $ 210,011

Short Term and Long Term Borr35

Short Term and Long Term Borrowings (Tables)	12 Months Ended
	Dec. 31, 2015
Short Term and Long Term Borrowings [Abstract]
Contractual maturities of long-term debt	The contractual maturities of long-term debt are as follows: December 31, 2015 2014 Fixed Weighted Fixed Weighted Rate Avg Rate Rate Avg Rate (in thousands) (in thousands) Due in 2015 $ 0 0.00 % $ 5,000 0.26 % Due in 2016 25,000 4.83 % 25,000 4.83 % Total long-term debt $ 25,000 4.83 % $ 30,000 4.07 %

Stock Option Plan (Tables)

Stock Option Plan (Tables)	12 Months Ended
	Dec. 31, 2015
Stock Option Plan [Abstract]
Stock option plan activity	Stock option plan activity for the year ended December 31, 2015 is summarized below: Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Aggregate Intrinsic Value (in thousands) Options outstanding, January 1, 2015 81,210 $ 20.05 Granted 0 0 Exercised 0 0 Canceled or expired (6,250 ) 20.05 Options outstanding, December 31, 2015 74,960 $ 20.05 1.79 $ 0 Options exercisable, December 31, 2015 74,960 $ 20.05 1.79 $ 0
Information pertaining to options outstanding	Information pertaining to options outstanding at December 31, 2015 is as follows: Options Outstanding Options Exercisable Range of Exercise Prices Number Outstanding Weighted Average Remaining Contractual Life Weighted Average Exercise Price Number Exercisable Weighted Average Exercise Price $ 20.05 74,960 1.79 $ 20.05 74,960 $ 20.05

Stockholders' Equity and Earn37

Stockholders' Equity and Earnings per Common Share (Tables)	12 Months Ended
	Dec. 31, 2015
Stockholders' Equity and Earnings Per Common Share [Abstract]
Amounts reclassified out of accumulated other comprehensive income (loss), by category	STOCKHOLDERS' EQUITY -- OTHER COMPREHENSIVE INCOME (LOSS) The following table presents information on amounts reclassified out of accumulated other comprehensive loss, by category, during the periods indicated: Years Ended December 31, Affected Line Item on 2015 2014 (in thousands) Available-for-sale securities Realized gains (losses) on sales of securities $ 76 $ 2 Gain (loss) on sale of available-for-sale securities, net Tax effect 26 1 Income tax (benefit) expense $ 50 $ 1 Defined-benefit pension plan Amortization of actuarial loss (1) $ (390 ) $ (251 ) Salaries and employee benefits Tax effect (133 ) (85 ) Income tax benefit $ (257 ) $ (166 ) Total reclassifications for the period $ (207 ) $ (165 ) (1) This accumulated other comprehensive loss component is included in the computation of net periodic pension cost (see Note 14. Pension Plan for additional details).
Other Comprehensive Income	The following table presents the changes in accumulated other comprehensive loss, by category, net of tax, for the periods indicated: Unrealized Gains (Losses) on Available-for-Sale Securities Unrealized Losses on Securities Transferred from Available-for-Sale to Held-to-Maturity (1) Defined Benefit Pension Plans Accumulated Other Comprehensive Loss (in thousands) Balance at December 31, 2013 $ (5,317 ) $ (3,937 ) $ (1,548 ) $ (10,802 ) Net change for the year ended December 31, 2014 5,239 551 (881 ) 4,909 Balance at December 31, 2014 (78 ) (3,386 ) (2,429 ) (5,893 ) Net change for the year ended December 31, 2015 (498 ) 3,386 (157 ) 2,731 Balance at December 31, 2015 $ (576 ) $ 0 $ (2,586 ) $ (3,162 ) (1) Net change for the year ended December 31, 2015 represents reclassification due to the transfer of securities held-to-maturity to available-for-sale. See Note 3. Securities.
Component of other comprehensive income on a pre-tax and after-tax	The following table presents the change in each component of other comprehensive income on a pre-tax and after-tax basis for the periods indicated. Year Ended December 31, 2015 Pretax Tax Effect Net-of-Tax (in thousands) Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (679 ) $ (231 ) $ (448 ) Reclassification adjustment for gains recognized in income (76 ) (26 ) (50 ) Net unrealized losses on securities (755 ) (257 ) (498 ) Unrealized losses on securities transferred from available-for-sale to held-to-maturity: Elimination upon transfer back to available-for-sale 4,197 1,427 2,770 Amortization 934 318 616 Net change 5,131 1,745 3,386 Defined benefit pension plans: Net actuarial loss for the period (627 ) (213 ) (414 ) Amortization of actuarial loss from prior period 390 133 257 Net change (237 ) (80 ) (157 ) Total change in accumulated other comprehensive loss $ 4,139 $ 1,408 $ 2,731 Year Ended December 31, 2014 Pretax Tax Effect Net-of-Tax (in thousands) Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 7,940 $ 2,700 $ 5,240 Reclassification adjustment for gains recognized in income (2 ) (1 ) (1 ) Net change 7,938 2,699 5,239 Unrealized losses on securities transferred from available-for-sale to held-to-maturity: Amortization 835 284 551 Net change 835 284 551 Defined benefit pension plans: Net actuarial loss for the period (1,587 ) (540 ) (1,047 ) Amortization of actuarial loss from prior period 251 85 166 Net change (1,336 ) (455 ) (881 ) Total change in accumulated other comprehensive loss $ 7,437 $ 2,528 $ 4,909
Computation of earnings per share	Earnings per common share has been computed based on the following: Years Ended December 31, 2015 2014 (dollars in thousands) Net income (in thousands) $ 3,634 $ 4,116 Average number of common shares outstanding 4,959,009 4,959,009 Effect of dilutive options 0 0 Average number of common shares outstanding used to calculate diluted earnings per common share 4,959,009 4,959,009

Related Party Transactions (Tab

Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2015
Related Party Transactions [Abstract]
Schedule of Annual activity	Annual activity consisted of the following: 2015 2014 (in thousands) Balance, beginning of year $ 5,787 $ 2,589 Additions 4 3,596 Reductions (1,362 ) (398 ) Balance, end of year $ 4,429 $ 5,787

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2015
Income Taxes [Abstract]
Components of income tax expense	The components of income tax expense for the current and prior year-ends are as follows: 2015 2014 (in thousands) Current income tax expense $ 281 $ 297 Deferred income tax benefit (227 ) (101 ) Reported income tax expense $ 54 $ 196
Reconciliation of "expected" Federal income tax expense	A reconciliation of the expected federal income tax expense on income before income taxes with the reported income tax expense for the same periods follows: Years Ended December 31, 2015 2014 (in thousands) Expected tax expense (34%) $ 1,254 $ 1,466 Interest expense on tax-exempt assets 22 24 Low-income housing tax credits (274 ) (324 ) Tax-exempt interest (654 ) (631 ) Bank-owned life insurance (301 ) (289 ) Other, net 7 (50 ) Reported tax expense $ 54 $ 196
Components of net deferred tax asset	The components of the net deferred tax asset, included in other assets, are as follows: December 31, 2015 2014 (in thousands) Deferred tax assets: Allowance for loan losses $ 2,631 $ 2,397 Interest on nonaccrual loans 67 100 Other real estate owned 867 989 Pension - other comprehensive income 1,332 1,252 Bank owned life insurance benefit 88 83 Charitable contributions carried forward 109 92 Net unrealized loss on securities available-for-sale 297 40 Net unrealized loss on securities transferred from available-for-sale to held-to-maturity 0 1,744 Unexercised nonqualified options 36 36 Alternative minimum tax 610 269 Deferred benefits and compensation 347 166 Other 78 70 $ 6,462 $ 7,238 Deferred tax liabilities: Depreciation $ (854 ) $ (696 ) Accretion of discounts on securities (1 ) 0 Deferred loan fees and costs (293 ) (295 ) Pension (874 ) (627 ) (2,022 ) (1,618 ) Net deferred tax assets $ 4,440 $ 5,620

Pension Plan (Tables)

Pension Plan (Tables)	12 Months Ended
	Dec. 31, 2015
Pension Plan [Abstract]
Schedule of net funded status	Information pertaining to the activity in the plan, using a measurement date of December 31, is as follows: Years ended December 31, 2015 2014 (in thousands) Change in benefit obligation Benefit obligation at beginning of year $ 7,104 $ 5,656 Service cost 0 0 Interest cost 260 278 Benefits paid (294 ) (298 ) Actuarial (gain) loss (31 ) 1,468 Benefit obligation at end of year $ 7,039 $ 7,104 Change in plan assets Fair value of plan assets at beginning of year $ 5,268 $ 5,322 Actual return on plan assets (283 ) 244 Employer contribution 1,000 0 Benefits paid (294 ) (298 ) Fair value of plan assets at end of year $ 5,691 $ 5,268 Funded Status at end of year $ (1,348 ) $ (1,836 )
Schedule of amounts recognized in consolidated balance sheet and other comprehensive income	Amounts recognized in the consolidated balance sheets at December 31, 2015 2014 Accrued pension liability $ (1,348 ) $ (1,836 ) Amounts recognized in other comprehensive income (loss) Loss $ 3,918 $ 3,681 Deferred taxes (1,332 ) (1,252 ) Net loss $ 2,586 $ 2,429 Accumulated benefit obligation $ 7,039 $ 7,104
Assumptions used to determine benefit obligations and net periodic pension cost	Assumptions used to determine the benefit obligations at December 31, 2015 2014 Discount rate 4.03% 3.73% During the years ending December 31, Weighted-average assumptions used to determine net periodic pension cost 2015 2014 Discount rate 3.73% 4.90% Expected long-term rate of return on plan assets 7.00% 7.00%
Schedule of net periodic pension cost and other amounts recognized in other comprehensive income	Years ended December 31, Components of net periodic pension cost 2015 2014 (in thousands) Interest cost $ 260 $ 278 Expected return on plan assets (376 ) (362 ) Amortization of unrecognized loss 390 251 Net periodic pension cost $ 274 $ 167 Components of other amounts recognized in other comprehensive income (loss) Net actuarial (gain) loss $ 627 $ 1,587 Settlement loss 0 0 Amortization of actuarial loss (390 ) (251 ) Total recognized in other comprehensive income (loss) $ 237 $ 1,336 Total recognized in net periodic benefit cost and other comprehensive income (loss) $ 511 $ 1,503
Fair value of pension plan assets	Fair value is discussed in detail in Note 16. The fair value of the Company's pension plan assets by asset category are as follows: Assets at Fair Value as of December 31, 2015 (in thousands) Asset Category Level 1 Level 2 Level 3 Total Money market funds $ 654 $ 0 $ 0 $ 654 Mutual funds 74 0 0 74 Common stock 2,766 0 0 2,766 Corporate bonds 0 2,133 0 2,133 Partnerships 0 64 0 64 Total assets at fair value $ 3,494 $ 2,197 $ 0 $ 5,691 Assets at Fair Value as of December 31, 2014 (in thousands) Asset Category Level 1 Level 2 Level 3 Total Money market funds $ 310 $ 0 $ 0 $ 310 Mutual funds 73 0 0 73 Common stock 2,847 0 0 2,847 Corporate bonds 0 2,038 0 2,038 Total assets at fair value $ 3,230 $ 2,038 $ 0 $ 5,268
Estimated future benefit payments	Estimated future benefit payments, which reflect expected future service, as appropriate, are as follows (in thousands): 2016 $ 219 2017 259 2018 281 2019 294 2020 352 Thereafter 2,051 Total $ 3,456

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2015
Commitments and Contingencies [Abstract]
Financial instruments whose contract amounts represent credit risk	The following financial instruments whose contract amounts represent credit risk were outstanding at December 31: 2015 2014 (in thousands) Commitments to extend credit: Home equity lines of credit $ 41,995 $ 43,372 Commercial real estate, construction and development loans committed but not funded 18,113 21,839 Other lines of credit (principally commercial) 73,213 70,368 Total $ 133,321 $ 135,579 Letters of credit $ 3,473 $ 3,586

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2015
Fair Value Measurements [Abstract]
Assets measured at fair value on a recurring basis	The following table presents the balances of certain assets measured at fair value on a recurring basis as of the dates indicated: Fair Value Measurements at December 31, 2015 Using (in thousands) Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Description Balance Available-for-sale securities U.S. Treasury securities $ 0 $ 0 $ 0 $ 0 Obligations of U.S. Government agencies 24,240 0 24,240 0 Obligations of state and political subdivisions 78,433 0 78,433 0 Mortgage-backed securities 107,396 0 107,396 0 Money market investments 631 0 631 0 Corporate bonds 3,393 0 3,393 0 Other marketable equity securities 99 0 99 0 Total available-for-sale securities $ 214,192 $ 0 $ 214,192 $ 0 Fair Value Measurements at December 31, 2014 Using (in thousands) Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Description Balance Available-for-sale securities U.S. Treasury securities $ 20,000 $ 0 $ 20,000 $ 0 Obligations of U.S. Government agencies 4,618 0 4,618 0 Obligations of state and political subdivisions 50,246 0 50,246 0 Mortgage-backed securities 60,888 0 60,888 0 Money market investments 719 0 719 0 Corporate bonds 2,790 0 2,790 0 Other marketable equity securities 85 0 85 0 Total available-for-sale securities $ 139,346 $ 0 $ 139,346 $ 0
Assets measured at fair value on a nonrecurring basis	The following table presents the assets carried on the consolidated balance sheets for which a nonrecurring change in fair value has been recorded. Assets are shown by class of loan and by level in the fair value hierarchy, as of the dates indicated. Certain impaired loans are valued by the present value of the loan's expected future cash flows, discounted at the interest rate of the loan rather than at a market rate. These loans are not carried on the consolidated balance sheets at fair value and, as such, are not included in the table below. Former branch sites are carried at the lower of cost or market. Those carried at cost are not included in the table below. Carrying Value at December 31, 2015 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired loans Mortgage loans on real estate: Residential 1-4 family $ 952 $ 0 $ 0 $ 952 Commercial 267 0 0 267 Construction 62 0 0 62 Total $ 1,281 $ 0 $ 0 $ 1,281 Other real estate owned Residential 1-4 family $ 724 $ 0 $ 0 $ 724 Commercial 927 0 0 927 Construction 1,090 0 0 1,090 Total $ 2,741 $ 0 $ 0 $ 2,741 Carrying Value at December 31, 2014 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired loans Mortgage loans on real estate: Residential 1-4 family $ 399 $ 0 $ 0 $ 399 Commercial 1,973 0 0 1,973 Construction 264 0 0 264 Second mortgages 104 0 0 104 Total $ 2,740 $ 0 $ 0 $ 2,740 Other real estate owned Residential 1-4 family $ 884 $ 0 $ 0 $ 884 Commercial 1,198 0 0 1,198 Construction 2,139 0 0 2,139 Total $ 4,221 $ 0 $ 0 $ 4,221
Fair Value Inputs, Assets, Quantitative Information	The following table displays quantitative information about Level 3 Fair Value Measurements as of the dates indicated: Quantitative Information About Level 3 Fair Value Measurements Description Fair Value at December 31, 2015 (dollars in thousands) Valuation Techniques Unobservable Input Range (Average) Impaired loans Residential 1-4 family real estate $ 952 Market comparables Selling costs 7.25 % Liquidation discount 0.00% - 4.00% (3.75 %) Commercial real estate 267 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Construction 62 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Other real estate owned Residential 1-4 family 724 Market comparables Selling costs 7.25 % Liquidation discount 4.00% - 7.17% (4.79 %) Commercial 927 Market comparables Selling costs 7.25 % Liquidation discount 4.00% - 24.70% (11.77 %) Construction 1,090 Market comparables Selling costs 6.72 % Liquidation discount 33.05 % Quantitative Information About Level 3 Fair Value Measurements Description Fair Value at December 31, 2014 (dollars in thousands) Valuation Techniques Unobservable Input Range (Average) Impaired loans Residential 1-4 family real estate $ 399 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Commercial real estate 1,973 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Construction 264 Market comparables Selling costs 0.00% - 7.25% (1.18 %) Liquidation discount 4.00% - 28.71% (24.70 %) Second mortgages 104 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Other real estate owned Residential 1-4 family 884 Market comparables Selling costs 7.25 % Liquidation discount 4.00% - 10.00% (8.09 %) Commercial 1,198 Market comparables Selling costs 7.25 % Liquidation discount 4.00% - 10.00% (5.91 %) Construction 2,139 Market comparables Selling costs 7.25% - 11.25% (7.38 %) Liquidation discount 0.00% - 10.00% (2.68 %)
Estimated fair values and related carrying or notional amounts of financial instruments	The estimated fair values, and related carrying or notional amounts, of the Company's financial instruments as of the dates indicated are as follows: Fair Value Measurements at December 31, 2015 Using (in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets Cash and cash equivalents $ 36,990 $ 36,990 $ 0 $ 0 Securities available-for-sale 214,192 0 214,192 0 Securities held-to-maturity 0 0 0 0 Restricted securities 2,016 0 2,016 0 Loans, net of allowances for loan losses 560,737 0 0 559,488 Bank owned life insurance 24,411 0 24,411 0 Accrued interest receivable 3,059 0 3,059 0 Liabilities Deposits $ 746,471 $ 0 $ 746,740 $ 0 Overnight repurchase agreements 25,950 0 25,950 0 Term repurchase agreements 0 0 0 0 Federal Home Loan Bank advances 25,000 0 25,501 0 Accrued interest payable 241 0 241 0 Fair Value Measurements at December 31, 2014 Using (in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets Cash and cash equivalents $ 33,305 $ 33,305 $ 0 $ 0 Securities available-for-sale 139,346 0 139,346 0 Securities held-to-maturity 90,089 0 94,406 0 Restricted securities 2,293 0 2,293 0 Loans, net of allowances for loan losses 528,919 0 0 527,138 Bank owned life insurance 23,525 0 23,525 0 Accrued interest receivable 2,695 0 2,695 0 Liabilities Deposits $ 716,654 $ 0 $ 717,260 $ 0 Overnight repurchase agreements 37,404 0 37,404 0 Term repurchase agreements 412 0 410 0 Federal Home Loan Bank advances 30,000 0 31,536 0 Accrued interest payable 255 0 255 0

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2015
Regulatory Matters [Abstract]
Actual and required capital amounts and ratios	As of December 31, 2015, the most recent notification from the Comptroller categorized the Bank as well-capitalized under the regulatory framework for prompt corrective action. To be categorized as well-capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the following tables. There are no conditions or events since the notification that management believes have changed the Bank's category. The Company's and the Bank's actual capital amounts and ratios as of December 31, 2015 and 2014 are also presented in the table. Capital Minimum Capital Requirement Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio (dollars in thousands) December 31, 2015: Total Capital to Risk Weighted Assets: Consolidated $ 104,076 14.89 % $ 55,910 8.00 % N/ A N/ A Old Point National Bank 96,079 13.83 % 55,589 8.00 % $ 69,486 10.00 % Tier 1 Capital to Risk Weighted Assets: Consolidated 96,338 13.78 % 41,932 6.00 % N/ A N/ A Old Point National Bank 88,341 12.71 % 41,692 6.00 % 55,589 8.00 % Common Equity Tier 1 Capital to Risk Weighted Assets: Consolidated 96,338 13.78 % 31,449 4.50 % N/ A N/ A Old Point National Bank 88,341 12.71 % 31,269 4.50 % 45,166 6.50 % Tier 1 Capital to Average Assets: Consolidated 96,338 10.93 % 35,260 4.00 % N/ A N/ A Old Point National Bank 88,341 10.06 % 35,124 4.00 % 43,905 5.00 % December 31, 2014: Total Capital to Risk Weighted Assets: Consolidated $ 101,450 15.44 % $ 52,560 8.00 % N/ A N/ A Old Point National Bank 94,472 14.45 % 52,294 8.00 % $ 65,367 10.00 % Tier 1 Capital to Risk Weighted Assets: Consolidated 94,375 14.36 % 26,280 4.00 % N/ A N/ A Old Point National Bank 87,397 13.37 % 26,147 4.00 % 39,220 6.00 % Tier 1 Capital to Average Assets: Consolidated 94,375 10.75 % 35,131 4.00 % N/ A N/ A Old Point National Bank 87,397 10.01 % 34,940 4.00 % 43,675 5.00 %

Segment Reporting (Tables)

Segment Reporting (Tables)	12 Months Ended
	Dec. 31, 2015
Segment Reporting [Abstract]
Reconciliation of assets and revenues from segment to consolidated	Information about reportable segments, and reconciliation of such information to the Consolidated Financial Statements as of and for the years ended December 31 follows: 2015 Bank Trust Unconsolidated Parent Eliminations Consolidated (in thousands) Revenues Interest and dividend income $ 30,242 $ 54 $ 4,009 $ (4,010 ) $ 30,295 Income from fiduciary activities 0 3,617 0 0 3,617 Other income 8,548 1,032 200 (261 ) 9,519 Total operating income 38,790 4,703 4,209 (4,271 ) 43,431 Expenses Interest expense 3,633 0 0 (1 ) 3,632 Provision for loan losses 1,025 0 0 0 1,025 Salaries and employee benefits 17,630 2,685 432 0 20,747 Other expenses 13,254 1,010 336 (261 ) 14,339 Total operating expenses 35,542 3,695 768 (262 ) 39,743 Income before taxes 3,248 1,008 3,441 (4,009 ) 3,688 Income tax expense (benefit) (96 ) 343 (193 ) 0 54 Net income $ 3,344 $ 665 $ 3,634 $ (4,009 ) $ 3,634 Capital expenditures $ 1,682 $ 74 $ 0 $ 0 $ 1,756 Total assets $ 891,877 $ 5,694 $ 93,191 $ (93,975 ) $ 896,787 2014 Bank Trust Unconsolidated Parent Eliminations Consolidated (in thousands) Revenues Interest and dividend income $ 30,239 $ 50 $ 4,349 $ (4,349 ) $ 30,289 Income from fiduciary activities 0 3,506 0 0 3,506 Other income 8,283 916 200 (261 ) 9,138 Total operating income 38,522 4,472 4,549 (4,610 ) 42,933 Expenses Interest expense 3,849 0 0 0 3,849 Provision for loan losses 600 0 0 0 600 Salaries and employee benefits 16,761 2,695 428 0 19,884 Other expenses 13,371 1,053 125 (261 ) 14,288 Total operating expenses 34,581 3,748 553 (261 ) 38,621 Income before taxes 3,941 724 3,996 (4,349 ) 4,312 Income tax expense (benefit) 69 247 (120 ) 0 196 Net income $ 3,872 $ 477 $ 4,116 $ (4,349 ) $ 4,116 Capital expenditures $ 3,786 $ 20 $ 0 $ 0 $ 3,806 Total assets $ 871,691 $ 5,513 $ 88,497 $ (89,421 ) $ 876,280

Condensed Financial Statement45

Condensed Financial Statements of Parent Company (Tables)	12 Months Ended
	Dec. 31, 2015
Condensed Financial Statements of Parent Company [Abstract]
Balance Sheets	Financial information pertaining to Old Point Financial Corporation (parent company only) is as follows: December 31, Balance Sheets 2015 2014 (in thousands) Assets Cash and cash equivalents $ 2,198 $ 1,349 Securities available-for-sale 99 85 Investment in common stock of subsidiaries 90,836 87,005 Other assets 58 58 Total assets $ 93,191 $ 88,497 Liabilities and Stockholders' Equity Note payable - subsidiary $ 15 $ 0 Common stock 24,795 24,795 Additional paid-in capital 16,392 16,392 Retained earnings 55,151 53,203 Accumulated other comprehensive loss (3,162 ) (5,893 ) Total liabilities and stockholders' equity $ 93,191 $ 88,497
Statements of Income	Years Ended December 31, Statements of Income 2015 2014 (in thousands) Income: Dividends from subsidiaries $ 2,900 $ 2,475 Other income 200 200 Total income 3,100 2,675 Expenses: Salaries and benefits 432 428 Legal expenses 180 107 Service fees 137 143 Other operating expenses 19 (125 ) Total expenses 768 553 Income before income taxes and equity in undistributed net income of subsidiaries 2,332 2,122 Income tax benefit (193 ) (120 ) 2,525 2,242 Equity in undistributed net income of subsidiaries 1,109 1,874 Net income $ 3,634 $ 4,116
Statements of Cash Flows	Years Ended December 31, Statements of Cash Flows 2015 2014 (in thousands) Cash flows from operating activities: Net income $ 3,634 $ 4,116 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries (1,109 ) (1,874 ) (Increase) decrease in other assets (5 ) 124 Increase (decrease) in other liabilities 15 (1 ) Net cash provided by operating activities 2,535 2,365 Cash flows from investing activities: 0 0 Cash flows from financing activities: (1,686 ) (1,289 ) Net increase in cash and cash equivalents 849 1,076 Cash and cash equivalents at beginning of year 1,349 273 Cash and cash equivalents at end of year $ 2,198 $ 1,349 Supplemental schedule of noncash transactions: Unrealized loss on securities available-for-sale $ (1 ) $ (15 ) Book value of equity securities transferred from other assets to available-for-sale $ 0 $ 100

Significant Accounting Polici46

Significant Accounting Policies (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)SubsidiaryBranchEntity	Dec. 31, 2014USD ($)
PRINCIPLES OF CONSOLIDATION [Abstract]
Required ownership percentage for consolidation (in hundredths)	50.00%
Required ownership percentage for consolidation of directly or indirectly held subsidiaries, minimum (in hundredths)	20.00%
Required ownership percentage for consolidation of directly or indirectly held subsidiaries, maximum (in hundredths)	50.00%
NATURE OF OPERATIONS [Abstract]
Number of subsidiaries | Subsidiary	2
Number of branch offices | Branch	18
VARIABLE INTEREST ENTITIES [Abstract]
Number of consolidated variable interest entities | Entity	0
Number of variable interest entities not primary beneficiary | Entity	1
Concentration Risk [Line Items]
Total Loans	$ 568,475	$ 535,994
Percentage of total loans (in hundredths)	52.32%	55.34%
CASH AND CASH EQUIVALENTS [Abstract]
Maturity period of cash equivalents	90 days
INTEREST-BEARING DEPOSITS IN BANKS [Abstract]
Maturity period of interest bearing deposits	1 year
TROUBLED DEBT RESTRUCTURINGS [Abstract]
Loans classified as TDRs	$ 11,188	$ 12,318
INCOME TAXES [Abstract]
More likely than not percentage limit (in hundredths)	50.00%
Tax benefit realization likelihood (in hundredths)	50.00%
Advertising Expense	$ 217	265
Buildings and Equipment [Member] | Minimum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful lives	3 years
Buildings and Equipment [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful lives	39 years
Software [Member] | Minimum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful lives	3 years
Software [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful lives	5 years
Commercial and construction real estate [Member]
Concentration Risk [Line Items]
Total Loans	$ 297,443	$ 296,613

Restrictions on Cash and Amou47

Restrictions on Cash and Amounts Due from Banks (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Restrictions on Cash and Amounts Due from Banks [Abstract]
Required reserve balances	$ 0	$ 0
Amount deposit in financial institutions in excess of cash FDIC insured amount	$ 25,161	$ 17,214

Securities Portfolio (Details)

Securities Portfolio (Details) $ in Thousands	Feb. 10, 2016USD ($)	Dec. 31, 2015USD ($)Security	Dec. 31, 2014USD ($)Security
Amortized cost and fair value of securities held-to-maturity [Abstract]
Securities held-to-maturity		$ 0	$ 90,089
Unamortized market adjustment on securities transferred to held-to-maturity			5,131
Amortized Cost			95,220
Gross Unrealized Gains			449
Gross Unrealized Losses		0	(1,263)
Fair Value		0	94,406
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Losses [Abstract]
Held-to-maturity securities, less than twelve months, gross unrealized losses		0	2
Held-to-maturity securities, twelve months or longer, gross unrealized losses		0	1,261
Held-to-maturity securities, unrealized loss position		0	1,263
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Held-to-maturity securities, less than twelve months, fair value		0	1,261
Held-to-maturity securities, twelve months or longer, fair value		0	65,649
Held-to-maturity securities, continuous unrealized loss position, fair value		$ 0	$ 66,910
Held-to-maturity Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Number of Held-to-maturity securities | Security		0	13
Other Comprehensive Income (Loss), Transfers from Held-to-maturity to Available-for-Sale Securities, before Tax		$ 4,197	$ 0
Other Comprehensive Income (Loss), Transfers from Held-to-maturity to Available-for-Sale Securities, Tax		1,427	0
Other Comprehensive Income (Loss), Transfers from Held-to-maturity to Available-for-Sale Securities, Net of Tax		2,770	0
Amortized cost and fair value of securities available-for-sale [Abstract]
Available-for-Sale Securities, Amortized Cost		215,064	139,464
Available-for-Sale Securities, Gross Unrealized Gains		1,328	737
Available-for-Sale Securities, Gross Unrealized Losses		(2,200)	(855)
Available-for-Sale Securities, Fair Value		214,192	139,346
Securities pledged as collateral		119,790	134,542
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Securities available-for-sale, less than twelve months, gross unrealized losses		897	82
Securities available-for-sale, more than twelve months, gross unrealized losses		1,303	773
Securities available-for-sale, continuous unrealized loss position		2,200	855
Securities Available-for-Sale, Fair Value [Abstract]
Securities available-for-sale, less than twelve months, fair value		69,065	18,374
Securities available-for-sale, more than twelve months, fair value		52,381	49,163
Securities available-for-sale, continuous unrealized loss position, fair value		$ 121,446	$ 67,537
Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Number of securities available-for-sale | Security		45	46
Available-for-Sale, Amortized Cost [Abstract]
Due in one year or less		$ 20,500
Due after one year through five years		17,853
Due after five years through ten years		23,505
Due after ten years		152,475
Total debt securities		214,333
Other securities without stated maturities		731
Total securities		215,064
Available-for-Sale, Fair Value [Abstract]
Due in one year or less		20,501
Due after one year through five years		18,074
Due after five years through ten years		23,936
Due after ten years		150,951
Total debt securities		213,462
Other securities without stated maturities		730
Fair Value		214,192
Information about securities sold [Abstract]
Proceeds from sales		23,005	$ 38,653
Gross realized gains		76	276
Gross realized losses		0	274
Subsequent Event [Member]
Held-to-maturity Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Other Comprehensive Income (Loss), Transfers from Held-to-maturity to Available-for-Sale Securities, before Tax	$ 4,197
Other Comprehensive Income (Loss), Transfers from Held-to-maturity to Available-for-Sale Securities, Tax	1,427
Other Comprehensive Income (Loss), Transfers from Held-to-maturity to Available-for-Sale Securities, Net of Tax	2,770
Securities Transferred From Held-to-Maturity to Available-for-Sale	81,358	81,358
Change In The Carrying Value Of The Securities Portfolio Due To Transfer From Held-To-Maturity To Available-For-Sale	3,415
Change In Other Assets Due To Transfer From Held-To-Maturity To Available-For-Sale	(1,161)
Change In Other Comprehensive Income Due To Transfer From Held-To-Maturity To Available-For-Sale	$ 2,254
US Treasury Securities [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Available-for-Sale Securities, Amortized Cost		0	20,000
Available-for-Sale Securities, Gross Unrealized Gains		0	0
Available-for-Sale Securities, Gross Unrealized Losses		0	0
Available-for-Sale Securities, Fair Value		0	20,000
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Securities available-for-sale, less than twelve months, gross unrealized losses		0	0
Securities available-for-sale, more than twelve months, gross unrealized losses		0	0
Securities available-for-sale, continuous unrealized loss position		0	0
Securities Available-for-Sale, Fair Value [Abstract]
Securities available-for-sale, less than twelve months, fair value		0	0
Securities available-for-sale, more than twelve months, fair value		0	0
Securities available-for-sale, continuous unrealized loss position, fair value		$ 0	$ 0
Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Number of securities available-for-sale | Security		0	0
Obligations of US Government Agencies [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Available-for-Sale Securities, Amortized Cost		$ 24,353	$ 4,768
Available-for-Sale Securities, Gross Unrealized Gains		1	2
Available-for-Sale Securities, Gross Unrealized Losses		(114)	(152)
Available-for-Sale Securities, Fair Value		24,240	4,618
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Securities available-for-sale, less than twelve months, gross unrealized losses		0	0
Securities available-for-sale, more than twelve months, gross unrealized losses		114	152
Securities available-for-sale, continuous unrealized loss position		114	152
Securities Available-for-Sale, Fair Value [Abstract]
Securities available-for-sale, less than twelve months, fair value		0	0
Securities available-for-sale, more than twelve months, fair value		3,940	4,316
Securities available-for-sale, continuous unrealized loss position, fair value		$ 3,940	$ 4,316
Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Number of securities available-for-sale | Security		2	1
Obligations of States and Political Subdivisions [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Available-for-Sale Securities, Amortized Cost		$ 77,223	$ 49,783
Available-for-Sale Securities, Gross Unrealized Gains		1,323	698
Available-for-Sale Securities, Gross Unrealized Losses		(113)	(235)
Available-for-Sale Securities, Fair Value		78,433	50,246
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Securities available-for-sale, less than twelve months, gross unrealized losses		42	2
Securities available-for-sale, more than twelve months, gross unrealized losses		71	233
Securities available-for-sale, continuous unrealized loss position		113	235
Securities Available-for-Sale, Fair Value [Abstract]
Securities available-for-sale, less than twelve months, fair value		4,177	604
Securities available-for-sale, more than twelve months, fair value		3,545	11,951
Securities available-for-sale, continuous unrealized loss position, fair value		$ 7,722	$ 12,555
Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Number of securities available-for-sale | Security		13	24
Mortgage-backed Securities [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Available-for-Sale Securities, Amortized Cost		$ 109,360	$ 61,296
Available-for-Sale Securities, Gross Unrealized Gains		0	34
Available-for-Sale Securities, Gross Unrealized Losses		(1,964)	(442)
Available-for-Sale Securities, Fair Value		107,396	60,888
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Securities available-for-sale, less than twelve months, gross unrealized losses		848	62
Securities available-for-sale, more than twelve months, gross unrealized losses		1,116	380
Securities available-for-sale, continuous unrealized loss position		1,964	442
Securities Available-for-Sale, Fair Value [Abstract]
Securities available-for-sale, less than twelve months, fair value		62,698	16,589
Securities available-for-sale, more than twelve months, fair value		44,698	32,104
Securities available-for-sale, continuous unrealized loss position, fair value		$ 107,396	$ 48,693
Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Number of securities available-for-sale | Security		13	6
Money Market Investments [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Available-for-Sale Securities, Amortized Cost		$ 631	$ 719
Available-for-Sale Securities, Gross Unrealized Gains		0	0
Available-for-Sale Securities, Gross Unrealized Losses		0	0
Available-for-Sale Securities, Fair Value		631	719
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Securities available-for-sale, continuous unrealized loss position		0	0
Corporate bond and other securities [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Available-for-Sale Securities, Amortized Cost		3,397	2,798
Available-for-Sale Securities, Gross Unrealized Gains		4	3
Available-for-Sale Securities, Gross Unrealized Losses		(8)	(11)
Available-for-Sale Securities, Fair Value		3,393	2,790
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Securities available-for-sale, less than twelve months, gross unrealized losses		6	3
Securities available-for-sale, more than twelve months, gross unrealized losses		2	8
Securities available-for-sale, continuous unrealized loss position		8	11
Securities Available-for-Sale, Fair Value [Abstract]
Securities available-for-sale, less than twelve months, fair value		2,091	1,096
Securities available-for-sale, more than twelve months, fair value		198	792
Securities available-for-sale, continuous unrealized loss position, fair value		$ 2,289	$ 1,888
Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Number of securities available-for-sale | Security		16	14
Common Stock [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Available-for-Sale Securities, Amortized Cost		$ 100	$ 100
Available-for-Sale Securities, Gross Unrealized Gains		0	0
Available-for-Sale Securities, Gross Unrealized Losses		(1)	(15)
Available-for-Sale Securities, Fair Value		99	85
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Securities available-for-sale, less than twelve months, gross unrealized losses		1	15
Securities available-for-sale, more than twelve months, gross unrealized losses		0	0
Securities available-for-sale, continuous unrealized loss position		1	15
Securities Available-for-Sale, Fair Value [Abstract]
Securities available-for-sale, less than twelve months, fair value		99	85
Securities available-for-sale, more than twelve months, fair value		0	0
Securities available-for-sale, continuous unrealized loss position, fair value		$ 99	$ 85
Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Number of securities available-for-sale | Security		1	1
Obligations of US Government Agencies [Member]
Amortized cost and fair value of securities held-to-maturity [Abstract]
Securities held-to-maturity			$ 100
Unamortized market adjustment on securities transferred to held-to-maturity			0
Amortized Cost			100
Gross Unrealized Gains			0
Gross Unrealized Losses		$ 0	(3)
Fair Value			97
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Losses [Abstract]
Held-to-maturity securities, less than twelve months, gross unrealized losses		0	0
Held-to-maturity securities, twelve months or longer, gross unrealized losses		0	3
Held-to-maturity securities, unrealized loss position		0	3
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Held-to-maturity securities, less than twelve months, fair value		0	0
Held-to-maturity securities, twelve months or longer, fair value		0	97
Held-to-maturity securities, continuous unrealized loss position, fair value		$ 0	$ 97
Held-to-maturity Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Number of Held-to-maturity securities | Security		0	1
Obligations of States and Political Subdivisions [Member]
Amortized cost and fair value of securities held-to-maturity [Abstract]
Securities held-to-maturity			$ 29,529
Unamortized market adjustment on securities transferred to held-to-maturity			0
Amortized Cost			29,529
Gross Unrealized Gains			449
Gross Unrealized Losses		$ 0	(18)
Fair Value			29,960
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Losses [Abstract]
Held-to-maturity securities, less than twelve months, gross unrealized losses		0	2
Held-to-maturity securities, twelve months or longer, gross unrealized losses		0	16
Held-to-maturity securities, unrealized loss position		0	18
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Held-to-maturity securities, less than twelve months, fair value		0	1,261
Held-to-maturity securities, twelve months or longer, fair value		0	1,203
Held-to-maturity securities, continuous unrealized loss position, fair value		$ 0	$ 2,464
Held-to-maturity Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Number of Held-to-maturity securities | Security		0	6
Mortgage-backed Securities [Member]
Amortized cost and fair value of securities held-to-maturity [Abstract]
Securities held-to-maturity			$ 60,460
Unamortized market adjustment on securities transferred to held-to-maturity			5,131
Amortized Cost			65,591
Gross Unrealized Gains			0
Gross Unrealized Losses			(1,242)
Fair Value			64,349
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Losses [Abstract]
Held-to-maturity securities, less than twelve months, gross unrealized losses			0
Held-to-maturity securities, twelve months or longer, gross unrealized losses			1,242
Held-to-maturity securities, unrealized loss position			1,242
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Held-to-maturity securities, less than twelve months, fair value			0
Held-to-maturity securities, twelve months or longer, fair value			64,349
Held-to-maturity securities, continuous unrealized loss position, fair value			$ 64,349
Held-to-maturity Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Number of Held-to-maturity securities | Security			6

Loans and the Allowance for L49

Loans and the Allowance for Loan Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 568,475	$ 535,994
Less: Allowance for loan losses	(7,738)	(7,075)
Loans, net of allowance for loan losses	560,737	528,919
Bank overdrafts	648	541
Loans and Leases Receivable, Deferred Income, Total	407	473
Commercial Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	43,197	37,698
Consumer Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	50,427	30,493
Other [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	18,007	22,807
Residential 1-4 Family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	96,997	91,318
Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	277,758	287,531
Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	19,685	9,082
Second Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	15,148	13,403
Equity Line of Credit [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 47,256	$ 43,662

Loans and the Allowance for L50

Loans and the Allowance for Loan Losses, Credit Quality (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	$ 568,475	$ 535,994
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	545,854	515,719
OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	7,861	12,271
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	14,760	8,004
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	0	0
Commercial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	43,197	37,698
Commercial Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	40,268	36,007
Commercial Loans [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	467	1,669
Commercial Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	2,462	22
Commercial Loans [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount		0
Consumer Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	50,427	30,493
Consumer Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	50,327	30,463
Consumer Loans [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	0	0
Consumer Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	100	30
Consumer Loans [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount		0
Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	18,007	22,807
Other [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	18,007	22,807
Other [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	0	0
Other [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	0	0
Other [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount		0
Residential 1-4 Family [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	96,997	91,318
Residential 1-4 Family [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	94,576	89,480
Residential 1-4 Family [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	0	0
Residential 1-4 Family [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	2,421	1,838
Residential 1-4 Family [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	0	0
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	277,758	287,531
Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	261,749	272,654
Commercial Real Estate [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	7,394	10,602
Commercial Real Estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	8,615	4,275
Commercial Real Estate [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	0	0
Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	19,685	9,082
Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	18,931	8,026
Construction [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	0	0
Construction [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	754	1,056
Construction [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	0	0
Second Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	15,148	13,403
Second Mortgages [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	14,835	13,306
Second Mortgages [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	0	0
Second Mortgages [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	313	97
Second Mortgages [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	0	0
Equity Line of Credit [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	47,256	43,662
Equity Line of Credit [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	47,161	42,976
Equity Line of Credit [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	0	0
Equity Line of Credit [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	95	686
Equity Line of Credit [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	$ 0	$ 0

Loans and the Allowance for L51

Loans and the Allowance for Loan Losses, Past Due (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Loans, Aging [Abstract]
Total Past Due	$ 10,581	$ 5,887
Total Current Loans	557,894	530,107	[1]
Ending balance	568,475	535,994
Recorded Investment > 90 Days Past Due and Accruing	3,356	1,141
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	4,582	5,570
Guaranteed Student Loans	5,662	2,414
Interest income that would have been recorded under original loan terms [Abstract]
Interest income that would have been recorded under original loan terms	196	301
Actual interest income recorded for the period	141	265
Reduction in interest income on non accrual loans	55	36
Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	4,164	2,549
Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	2,553	413
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	3,864	2,925
Commercial Loans [Member]
Loans, Aging [Abstract]
Total Past Due	820	205
Total Current Loans	42,377	37,493	[1]
Ending balance	43,197	37,698
Recorded Investment > 90 Days Past Due and Accruing	164	10
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	276	0
Commercial Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	500	195
Commercial Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	88	0
Commercial Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	232	10
Consumer Loans [Member]
Loans, Aging [Abstract]
Total Past Due	6,186	2,441
Total Current Loans	44,241	28,052	[1]
Ending balance	50,427	30,493
Recorded Investment > 90 Days Past Due and Accruing	3,163	1,019
Consumer Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	1,673	1,099
Consumer Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	1,350	323
Consumer Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	3,163	1,019
Other [Member]
Loans, Aging [Abstract]
Total Past Due	73	59
Total Current Loans	17,934	22,748	[1]
Ending balance	18,007	22,807
Recorded Investment > 90 Days Past Due and Accruing	6	5
Other [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	64	51
Other [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	3	3
Other [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	6	5
Residential 1-4 Family [Member]
Loans, Aging [Abstract]
Total Past Due	1,626	1,890
Total Current Loans	95,371	89,428	[1]
Ending balance	96,997	91,318
Recorded Investment > 90 Days Past Due and Accruing	0	0
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	1,457	924
Residential 1-4 Family [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	309	1,043
Residential 1-4 Family [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	1,042	55
Residential 1-4 Family [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	275	792
Commercial Real Estate [Member]
Loans, Aging [Abstract]
Total Past Due	1,320	463
Total Current Loans	276,438	287,068	[1]
Ending balance	277,758	287,531
Recorded Investment > 90 Days Past Due and Accruing	23	0
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	2,623	4,086
Commercial Real Estate [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	1,266	31
Commercial Real Estate [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	31	0
Commercial Real Estate [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	23	432
Construction [Member]
Loans, Aging [Abstract]
Total Past Due	161	499
Total Current Loans	19,524	8,583	[1]
Ending balance	19,685	9,082
Recorded Investment > 90 Days Past Due and Accruing	0	0
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	0	499
Construction [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	161	0
Construction [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	0	0
Construction [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	0	499
Second Mortgages [Member]
Loans, Aging [Abstract]
Total Past Due	225	281
Total Current Loans	14,923	13,122	[1]
Ending balance	15,148	13,403
Recorded Investment > 90 Days Past Due and Accruing	0	107
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status	226	61
Second Mortgages [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	21	81
Second Mortgages [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	39	32
Second Mortgages [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	165	168
Equity Line of Credit [Member]
Loans, Aging [Abstract]
Total Past Due	170	49
Total Current Loans	47,086	43,613	[1]
Ending balance	47,256	43,662
Recorded Investment > 90 Days Past Due and Accruing	0	0
Equity Line of Credit [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	170	49
Equity Line of Credit [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	0	0
Equity Line of Credit [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due	$ 0	$ 0
[1]	For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due.

Loans and the Allowance for L52

Loans and the Allowance for Loan Losses, Troubled Debt Restructuring (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)	Dec. 31, 2015USD ($)Contract	Dec. 31, 2015USD ($)Modification	Dec. 31, 2014USD ($)	Dec. 31, 2014USD ($)Contract	Dec. 31, 2014USD ($)Modification
Financing Receivable, Modifications [Line Items]
Number of Modifications		7	7		4	4
Recorded Investment Prior to Modification	$ 2,590			$ 567
Recorded Investment After Modification	3,090			567
Current Investment	2,461	$ 2,461	$ 2,461	554	$ 554	$ 554
Principal forgiveness on all loans	0			0
Recorded investment in defaulting TDRs	0			389
Unfunded Commitments on TDRs	0	0	0	0	0	0
Mortgage Loans in Process of Foreclosure, Amount	53	$ 53	$ 53	446	$ 446	$ 446
Interest Rate Below Market Reduction [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Contract		5			4
Principal Forgiveness [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Contract		0			0
Extended Maturity [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Contract		0			0
Payment Deferral [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Contract		0			0
Principal Forgiveness and Interest Rate Below Market Reduction [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Contract		0			0
Nonstandard Terms [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Contract		2			0
Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment in defaulting TDRs	0			0
Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment in defaulting TDRs	0			0
Other Loans [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment in defaulting TDRs	0			0
Residential 1-4 Family [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Modification			0			2
Recorded Investment Prior to Modification	0			375
Recorded Investment After Modification	0			375
Current Investment	0	$ 0	$ 0	366	$ 366	$ 366
Recorded investment in defaulting TDRs	0			389
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Modification			5			0
Recorded Investment Prior to Modification	2,094			0
Recorded Investment After Modification	2,594			0
Current Investment	2,400	2,400	$ 2,400	0	0	$ 0
Recorded investment in defaulting TDRs	0			0
Construction Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Modification			1			1
Recorded Investment Prior to Modification	435			103
Recorded Investment After Modification	435			103
Current Investment	0	0	$ 0	102	102	$ 102
Recorded investment in defaulting TDRs	0			0
Second Mortgage [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Modification			1			1
Recorded Investment Prior to Modification	61			89
Recorded Investment After Modification	61			89
Current Investment	61	$ 61	$ 61	86	$ 86	$ 86
Recorded investment in defaulting TDRs	0			0
Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment in defaulting TDRs	$ 0			$ 0

Loans and the Allowance for L53

Loans and the Allowance for Loan Losses, Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	$ 14,173	$ 16,341
Without Valuation Allowance	8,414	7,644
With Valuation Allowance	4,636	6,784
Associated Allowance	798	702
Average Recorded Investment	13,573	17,732
Interest Income Recognized	660	656
Commercial Loans [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	330	0
Without Valuation Allowance	207	0
With Valuation Allowance	68	0
Associated Allowance	8	0
Average Recorded Investment	952	37
Interest Income Recognized	28	0
Consumer Loans [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	12	14
Without Valuation Allowance	12	14
With Valuation Allowance	0	0
Associated Allowance	0	0
Average Recorded Investment	13	26
Interest Income Recognized	1	1
Residential 1-4 Family [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	2,994	2,898
Without Valuation Allowance	1,530	2,083
With Valuation Allowance	1,261	646
Associated Allowance	146	91
Average Recorded Investment	2,267	4,099
Interest Income Recognized	132	126
Commercial Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	10,203	11,766
Without Valuation Allowance	6,166	4,729
With Valuation Allowance	3,208	5,322
Associated Allowance	608	163
Average Recorded Investment	9,305	10,669
Interest Income Recognized	473	449
Construction [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	99	1,157
Without Valuation Allowance	0	623
With Valuation Allowance	99	534
Associated Allowance	36	270
Average Recorded Investment	465	2,431
Interest Income Recognized	5	55
Second Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	535	506
Without Valuation Allowance	499	195
With Valuation Allowance	0	282
Associated Allowance	0	178
Average Recorded Investment	571	470
Interest Income Recognized	21	25
Equity Line of Credit [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	0	0
Without Valuation Allowance	0	0
With Valuation Allowance	0	0
Associated Allowance	0	0
Average Recorded Investment	0	0
Interest Income Recognized	$ 0	$ 0

Loans and the Allowance for L54

Loans and the Allowance for Loan Losses, Activity In Period (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2015	Dec. 31, 2014
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	$ 7,075	$ 6,831
Charges-offs	(897)	(1,238)
Recoveries	535	882
Provision for loan losses	1,025	600
Ending balance	7,738	7,075
Ending balances individually evaluated for impairment			$ 798	$ 702
Ending balances collectively evaluated for impairment			6,940	6,373
Ending balance	7,075	7,075	7,738	7,075
Loan Balances [Abstract]
Ending balance individually evaluated for impairment			13,050	14,428
Ending balance collectively evaluated for impairment			555,425	521,566
Ending balance			568,475	535,994
Commercial [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	595	350
Charges-offs	(293)	(286)
Recoveries	50	55
Provision for loan losses	281	476
Ending balance	633	595
Ending balances individually evaluated for impairment			8	0
Ending balances collectively evaluated for impairment			625	595
Ending balance	595	595	633	595
Loan Balances [Abstract]
Ending balance individually evaluated for impairment			275	0
Ending balance collectively evaluated for impairment			42,922	37,698
Ending balance			43,197	37,698
Real Estate - Construction [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	703	662
Charges-offs	0	(51)
Recoveries	1	173
Provision for loan losses	281	(81)
Ending balance	985	703
Ending balances individually evaluated for impairment			36	270
Ending balances collectively evaluated for impairment			949	433
Ending balance	703	703	985	703
Loan Balances [Abstract]
Ending balance individually evaluated for impairment			99	1,157
Ending balance collectively evaluated for impairment			19,586	7,925
Ending balance			19,685	9,082
Real Estate - Mortgage [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	5,347	5,357
Charges-offs	(321)	(563)
Recoveries	393	524
Provision for loan losses	209	29
Ending balance	5,628	5,347
Ending balances individually evaluated for impairment			754	432
Ending balances collectively evaluated for impairment			4,874	4,915
Ending balance	5,347	5,347	5,628	5,347
Loan Balances [Abstract]
Ending balance individually evaluated for impairment			12,664	13,257
Ending balance collectively evaluated for impairment			424,495	422,657
Ending balance			437,159	435,914
Consumer [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	219	294
Charges-offs	(92)	(163)
Recoveries	39	64
Provision for loan losses	113	24
Ending balance	279	219
Ending balances individually evaluated for impairment			0	0
Ending balances collectively evaluated for impairment			279	219
Ending balance	219	219	279	219
Loan Balances [Abstract]
Ending balance individually evaluated for impairment			12	14
Ending balance collectively evaluated for impairment			50,415	30,479
Ending balance			50,427	30,493
Other [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	211	168
Charges-offs	(191)	(175)
Recoveries	52	66
Provision for loan losses	141	152
Ending balance	213	211
Ending balances individually evaluated for impairment			0	0
Ending balances collectively evaluated for impairment			213	211
Ending balance	$ 211	$ 211	213	211
Loan Balances [Abstract]
Ending balance individually evaluated for impairment			0	0
Ending balance collectively evaluated for impairment			18,007	22,807
Ending balance			$ 18,007	$ 22,807

Foreclosed Assets (Details)

Foreclosed Assets (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Real Estate Owned, Disclosure of Detailed Components [Abstract]
Balance at beginning of year		$ 8,014	$ 9,190
Foreclosed properties acquired		553	1,815
Other additions to foreclosed properties		0	23
Real Estate Transferred to Other Real Estate		0	0
Properties sold		(3,277)	(3,014)
Balance at end of year		5,290	8,014
Analysis of valuation allowance on foreclosed assets [Roll Forward]
Balance at beginning of year		2,908	2,775
Additions and write-downs		1,011	1,056
Reductions due to sales		(1,370)	(923)
Balance at end of year		2,549	2,908
Expenses applicable to foreclosed assets [Abstract]
Net loss (gain) on sales of real estate		(54)	(184)
Provision for losses (direct writedowns)		1,011	1,056
Operating expenses, net of income	[1]	219	285
Total Expenses		$ 1,176	$ 1,157
[1]	included in other operating income and other operating expense.

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	$ 65,246	$ 66,150
Less accumulated depreciation and amortization	23,964	24,075
Premises and equipment, net	41,282	42,075
Depreciation expense	2,543	2,277
Minimum rental commitment due under noncancellable leases [Abstract]
2,016	236
2,017	235
2,018	167
2,019	149
2,020	84
Total	871
Rental expense of premises and equipment	270	281
Land [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	7,688	7,261
Buildings [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	37,848	38,301
Construction in Progress [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	555	291
Leasehold improvements [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	852	906
Furniture, fixtures and equipment [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	$ 18,303	$ 19,391

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits (Details)	12 Months Ended
	Dec. 31, 2015USD ($)Fund	Dec. 31, 2014USD ($)Fund
Investments in Affordable Housing Projects [Abstract]
Affordable Housing Program, Number of Investments | Fund	4	3
Amortization Method Qualified Affordable Housing Project Investments	$ 4,185,000	$ 721,999
Qualified Affordable Housing Project Investments, Commitment	$ 2,961,001	2,682,001
Affordable Housing Investment Commitments, Term Expiration Year	2,032
Expected Affordable Housing Tax Credits, Amount	$ 274,325
Affordable Housing Tax Credits and Other Tax Benefits, Amount	$ 364,813	$ 476,703

Deposits (Details)

Deposits (Details) $ in Thousands	Dec. 31, 2015USD ($)Customer	Dec. 31, 2014USD ($)Customer
Deposits [Abstract]
Aggregate amount of time deposits in denominations of $100 thousand or more	$ 36,368	$ 40,176
Number of single customer relationships that exceeded deposit limit | Customer	0	0
Percentage of total deposits (in hundredths)	5.00%	5.00%
Maturities of time deposits [Abstract]
Time Deposits Maturity in 1 Year	$ 85,910
Time Deposits Maturity in 2 Years	48,942
Time Deposits Maturity in 3 Years	18,932
Time Deposits Maturity in 4 Years	19,135
Time Deposits Maturity in 5 Years	37,092
Time Deposit Maturities, after Year Five	0
Time deposits	$ 210,011	$ 223,296

Short Term and Long Term Borr59

Short Term and Long Term Borrowings (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)Customer	Dec. 31, 2014USD ($)
Debt Instrument [Line Items]
Overnight repurchase agreements	$ 25,950	$ 37,404
U.S. Treasury demand notes	$ 0	0
Number of customer relationships | Customer	3
Major customer relationship repurchase agreements maximum percentage (in hundredths)	5.00%
Outstanding balance	$ 20,042
Percentage of repurchase agreements (in hundredths)	77.23%
1 - 4 family residential real estate pledged loans	$ 75,766
Federal Funds Purchased, Amount of Available, Unused Funds	50,000
Federal Home Loan Bank, Advances, General Debt Obligations, Amount of Available, Unused Funds	237,196
Fixed Rate [Abstract]
Due in one year or less	25,000	5,000
Due after one year through five years		25,000
Total long-term debt	25,000	30,000
Total [Abstract]
Due in one year or less	25,000	5,000
Due after one year through two years		25,000
Total long-term debt	$ 25,000	$ 30,000
Weighted Avg Rate [Abstract]
Due in one year or less (in hundredths)	4.83%	0.26%
One to Two Years from Balance Sheet Date		4.83%
Total long-term debt (in hundredths)	4.83%	4.07%
Maximum [Member]
Debt Instrument [Line Items]
Overnight repurchase agreements maturity period	4 days
Minimum [Member]
Debt Instrument [Line Items]
Overnight repurchase agreements maturity period	1 day

Stock Option Plan (Details)

Stock Option Plan (Details) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)Optionholder$ / sharesshares	Dec. 31, 2014USD ($)Optionholder$ / sharesshares
Stock Option Plan [Abstract]
Options maximum term period	10 years
Shares [Roll Forward]
Options outstanding, beginning of period (in shares) | shares	81,210
Granted (in shares) | shares	0
Exercised (in shares) | shares	0
Canceled or expired (in shares) | shares	(6,250)
Options outstanding, end of period (in shares) | shares	74,960	81,210
Options exercisable, end of period (in shares) | shares	74,960
Weighted Average Exercise Price [Roll Forward]
Options outstanding, beginning of period (in dollars per share)	$ 20.05
Granted (in dollars per share)	0
Exercised (in dollars per share)	0
Canceled or expired (in dollars per share)	20.05
Options outstanding, end of period (in dollars per share)	20.05	$ 20.05
Options exercisable, end of period (in dollars per share)	$ 20.05
Weighted Average Remaining Contractual Life (in years) [Abstract]
Options outstanding, end of period	1 year 9 months 14 days
Options exercisable, end of period	1 year 9 months 14 days
Aggregate Intrinsic Value [Abstract]
Options outstanding, end of period | $	$ 0
Options exercisable, end of period | $	$ 0
Number of option holders that exercised | Optionholder	0	0
Proceeds from exercise of stock options | $	$ 0	$ 0
Unrecognized compensation expense related to nonvested options | $	0	0
Stock compensation expense | $	$ 0	$ 0
Information pertaining to options outstanding [Abstract]
Options Outstanding, Number Outstanding (in shares) | shares	74,960
Options Outstanding, Weighted Average Remaining Contractual Life	1 year 9 months 14 days
Options Outstanding, Weighted Average Exercise Price (in dollars per share)	$ 20.05
Options Exercisable, Number Exercisable (in shares) | shares	74,960
Options Exercisable, Weighted Average Exercise Price (in dollars per share)	$ 20.05
20.05 [Member]
Information pertaining to options outstanding [Abstract]
Range of Exercise Prices (in dollars per share)	$ 20.05
Options Outstanding, Number Outstanding (in shares) | shares	74,960
Options Outstanding, Weighted Average Remaining Contractual Life	1 year 9 months 14 days
Options Outstanding, Weighted Average Exercise Price (in dollars per share)	$ 20.05
Options Exercisable, Number Exercisable (in shares) | shares	74,960
Options Exercisable, Weighted Average Exercise Price (in dollars per share)	$ 20.05

Stockholders' Equity and Earn61

Stockholders' Equity and Earnings per Common Share (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Available-for-sale securities [Abstract]
Realized gains on sales of securities		$ 76	$ 2
Tax effect		26	1
Other Comprehensive Income (Loss), Reclassification Adjustment for Sale of Securities Included in Net Income, Net of Tax		50	1
Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Adjustment, Net of Tax [Abstract]
Other Comprehensive Income (Loss), Reclassification, Pension and Other Postretirement Benefit Plans, Net Gain (Loss) Recognized in Net Periodic Benefit Cost, before Tax	[1]	(390)	(251)
Other Comprehensive Income (Loss), Reclassification, Pension and Other Postretirement Benefit Plans, Net Gain (Loss) Recognized in Net Periodic Benefit Cost, Tax		(133)	(85)
Other Comprehensive Income (Loss), Reclassification, Pension and Other Postretirement Benefit Plans, Net Gain (Loss) Recognized in Net Periodic Benefit Cost, Net of Tax		(257)	(166)
Total Reclassification from Other Comprehensive Income		(207)	(165)
Unrealized Gains (Losses) on Securities [Abstract]
Balance at beginning of the period		(78)	(5,317)
Unrealized gains (losses) on securities, net of all adjustments		(498)	5,239
Balance at end of the period		(576)	(78)
Other Comprehensive Income -- Available-for-Sale to Held-to-Maturity [Abstract]
Other Comprehensive Income -- Available-for-Sale to Held-to-Maturity Balance		(3,386)	(3,937)
Other Comprehensive Income -- Available-for-Sale to Held-to-Maturity Change		3,386	551
Other Comprehensive Income -- Available-for-Sale to Held-to-Maturity Balance		0	(3,386)
Defined Benefit Pension Plans [Abstract]
Balance at beginning of the period		(2,429)	(1,548)
Net change for the year		(157)	(881)
Balance at end of the period		(2,586)	(2,429)
Accumulated Other Comprehensive Income (Loss) [Abstract]
Balance at beginning of the period		(5,893)	(10,802)
Net change for the year		2,731	4,909
Balance at end of the period		(3,162)	(5,893)
Other comprehensive income, pretax [Abstract]
Unrealized holding gains/losses arising during the period		(679)	7,940
Less reclassification adjustment for gains recognized in income		(76)	(2)
Net unrealized losses on securities		(755)	7,938
Unrealized loss transferred		4,197	0
Amortization		934	835
Net effect of market adjustment on securities transferred to available-for-sale		5,131	835
Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Net Unamortized Gain (Loss) Arising During Period, before Tax		(627)	(1,587)
Other Comprehensive Income (Loss), Finalization of Pension and Non-Pension Postretirement Plan Valuation, before Tax		0	0
Other Comprehensive Income (Loss), Reclassification, Pension and Other Postretirement Benefit Plans, Net Gain (Loss) Recognized in Net Periodic Benefit Cost, before Tax	[1]	390	251
Defined Benefit Plan Other Amount Recognized in Other Comprehensive Income		(237)	(1,336)
Total change in other comprehensive income or loss		4,139	7,437
Other comprehensive income tax expense (benefit) [Abstract]
Unrealized holding losses arising during the period		(231)	2,700
Tax effect		(26)	(1)
Net unrealized losses on securities		(257)	2,699
Unrealized loss transferred tax		1,427	0
Amortization tax		318	284
Net effect of market adjustment on securities transferred to available-for-sale, tax		1,745	284
Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Net Unamortized (Gain) Loss Arising During Period, Tax		(213)	(540)
Other Comprehensive Income (Loss), Finalization of Pension and Non-Pension Postretirement Plan Valuation, Tax		0	0
Other Comprehensive Income (Loss), Reclassification, Pension and Other Postretirement Benefit Plans, Net Gain (Loss) Recognized in Net Periodic Benefit Cost, Tax		133	85
Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Tax		(80)	(455)
Other Comprehensive Income (Loss), Tax, Total		1,408	2,528
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Unrealized holding losses arising during the period		(448)	5,240
Other Comprehensive Income (Loss), Reclassification Adjustment for Sale of Securities Included in Net Income, Net of Tax		(50)	(1)
Unrealized gains (losses) on securities, net of all adjustments		(498)	5,239
Unrealized loss transferred net		2,770	0
Amortization net of tax		616	551
Net effect of market adjustment on securities transferred to held-to-maturity		3,386	551
Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Net Unamortized Gain (Loss) Arising During Period, Net of Tax		(414)	(1,047)
Other Comprehensive Income (Loss), Finalization of Pension and Non-Pension Postretirement Plan Valuation, Net of Tax		0	0
Other Comprehensive Income (Loss), Reclassification, Pension and Other Postretirement Benefit Plans, Net Gain (Loss) Recognized in Net Periodic Benefit Cost, Net of Tax		257	166
Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Adjustment, Net of Tax		(157)	(881)
Other Comprehensive Income (Loss), Net of Tax, Total		2,731	4,909
Computation of earnings per share [Abstract]
Net Income applicable to common stock		$ 3,634	$ 4,116
Average number of common shares outstanding (in shares)		4,959,009	4,959,009
Effect of dilutive options (in shares)		0	0
Average number of common share outstanding used to calculate diluted earnings per common share (in shares)		4,959,009	4,959,009
Stock Options [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share (in shares)		76,000	117,000
[1]	This accumulated other comprehensive loss component is included in the computation of net periodic pension cost (see NOTE 14, Pension Plan for additional details).

Related Party Transactions (Det

Related Party Transactions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Related Party Transactions [Abstract]
Direct or indirect loans to Principal Shareholders, Executive Officers or Directors, Maximum (in hundredths)	10.00%
Schedule of Annual activity [Roll Forward]
Balance, beginning of year	$ 5,787	$ 2,589
Additions	4	3,596
Reductions	(1,362)	(398)
Balance, end of year	4,429	5,787
Deposits from related parties held by entity	$ 14,394	$ 13,174

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Components of income tax expense [Abstract]
Current tax expense (benefit)	$ 281	$ 297
Deferred tax expense (benefit)	(227)	(101)
Reported tax expense	54	196
Reconciliation of "expected" Federal income tax expense [Abstract]
Expected tax expense (34%)	1,254	1,466
Interest expense on tax-exempt assets	22	24
Tax credit for investment	(274)	(324)
Tax-exempt interest	(654)	(631)
Bank-owned life insurance	(301)	(289)
Other, net	7	(50)
Reported tax expense	$ 54	$ 196
Expected tax expense rate (in hundredths)	34.00%
Effective tax rate (in hundredths)	1.46%	4.55%
Deferred tax assets [Abstract]
Allowance for loan losses	$ 2,631	$ 2,397
Interest on nonaccrual loans	67	100
Foreclosed assets	867	989
Pension - other comprehensive income	1,332	1,252
Bank owned life insurance benefit	88	83
Charitable contributions carried forward	109	92
Deferred Tax Assets, Unrealized Losses on Available-for-Sale Securities, Gross	297	40
Deferred Tax Assets, Other Comprehensive Income, Securities Transferred from AFS to HTM	0	1,744
Unexercised nonqualified options	36	36
Deferred Tax Assets, Tax Credit Carryforwards, Alternative Minimum Tax	610	269
Deferred Tax Assets, Tax Deferred Expense, Compensation and Benefits	347	166
Other	78	70
Total	6,462	7,238
Deferred tax liabilities [Abstract]
Depreciation	(854)	(696)
Accretion of discounts on securities	(1)	0
Deferred loan fees and costs	(293)	(295)
Pension	(874)	(627)
Net unrealized gains on securities available-for-sale	0	0
Other	0	0
Total	(2,022)	(1,618)
Net deferred tax assets	$ 4,440	$ 5,620

Pension Plan (Details)

Pension Plan (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2015	Dec. 31, 2014
Change in benefit obligation [Roll Forward]
Benefit obligation at beginning of year		$ 7,104	$ 5,656
Service cost		0	0
Interest cost		260	278
Benefits paid		(294)	(298)
Actuarial loss		(31)	1,468
Benefit obligation at end of year		7,039	7,104
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		5,268	5,322
Actual return on plan assets		(283)	244
Employer contribution		1,000	0
Benefits paid		(294)	(298)
Fair value of plan assets at end of year		5,691	5,268
Funded Status at end of year		(1,348)	(1,836)
Amounts recognized in the consolidated balance sheets at December 31 [Abstract]
Accrued pension liability				$ (1,348)	$ (1,836)
Amounts recognized in other comprehensive income (loss) [Abstract]
Loss		3,918	3,681
Deferred taxes		(1,332)	(1,252)
Defined Benefit Pension Plan, Net Amount Recognized in Other Comprehensive Income		2,586	2,429
Accumulated benefit obligation				$ 7,039	$ 7,104
Assumptions used to determine the benefit obligations at December 31 [Abstract]
Discount rate (in hundredths)				4.03%	3.73%
Components of net periodic pension cost [Abstract]
Interest cost		260	278
Expected return on plan assets		(376)	(362)
Other Comprehensive Income (Loss), Reclassification, Pension and Other Postretirement Benefit Plans, Net Gain (Loss) Recognized in Net Periodic Benefit Cost, before Tax	[1]	390	251
Settlement loss		0	0
Net Periodic Pension Plan Cost		274	167
Components of other amounts recognized in other comprehensive income [Abstract]
Net actuarial loss for the period		627	1,587
Settlement loss		0	0
Other Comprehensive Income (Loss), Reclassification, Pension and Other Postretirement Benefit Plans, Net Gain (Loss) Recognized in Net Periodic Benefit Cost, before Tax	[1]	(390)	(251)
Defined Benefit Plan Other Amount Recognized in Other Comprehensive Income		237	1,336
Total recognized in net periodic benefit cost and other comprehensive income		511	$ 1,503
Estimated net loss for the pension plan that will be amortized next year		$ 560
Weighted-average assumptions used to determine net periodic pension cost [Abstract]
Discount rate (in hundredths)		3.73%	4.90%
Expected long-term rate of return on plan assets (in hundredths)		7.00%	7.00%
Defined Benefit Plan, Assets, Target Allocations [Abstract]
Defined Benefit Plan, Contributions by Employer		$ 1,000	$ 0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		$ 5,268	5,322	$ 5,691	$ 5,268
Estimated future benefit payments, which reflect expected future service [Abstract]
Next 12 Months				219
2 Years				259
3 Years				281
4 Years				294
5 Years				352
Thereafter				2,051
Total				3,456
401(K) PLAN [Abstract]
Employer matching contribution (in hundredths)		100.00%
Employee contribution (in hundredths)		4.00%
Profit sharing contributions vesting period		6 years
Profit sharing contributions		$ 519	527
Equities [Member]
Defined Benefit Plan, Assets, Target Allocations [Abstract]
Target allocation percentage (in hundredths)		55.00%
Fixed income [Member]
Defined Benefit Plan, Assets, Target Allocations [Abstract]
Target allocation percentage (in hundredths)		40.00%
Cash [Member]
Defined Benefit Plan, Assets, Target Allocations [Abstract]
Target allocation percentage (in hundredths)		5.00%
Equity mutual funds [Member]
Defined Benefit Plan, Assets, Target Allocations [Abstract]
Target allocation percentage (in hundredths)		1.00%
Money market funds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		$ 310
Fair value of plan assets at end of year		654	310
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		310	310	654	310
Mutual Funds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		73
Fair value of plan assets at end of year		74	73
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		73	73	74	73
Common Stock [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		2,847
Fair value of plan assets at end of year		2,766	2,847
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		$ 2,766	2,847	2,766	2,847
Commodities Investment [Member]
Defined Benefit Plan, Assets, Target Allocations [Abstract]
Target allocation percentage (in hundredths)		1.00%
Corporate bonds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		$ 2,038
Fair value of plan assets at end of year		2,133	2,038
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		2,133	2,038	2,133	2,038
Partnership Investment [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year		64
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		64		64
Level 1 [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		3,230
Fair value of plan assets at end of year		3,494	3,230
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		3,494	3,230	3,494	3,230
Level 1 [Member] | Money market funds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		310
Fair value of plan assets at end of year		654	310
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		310	310	654	310
Level 1 [Member] | Mutual Funds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		73
Fair value of plan assets at end of year		74	73
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		74	73	74	73
Level 1 [Member] | Common Stock [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		2,847
Fair value of plan assets at end of year		2,766	2,847
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		2,847	2,847	2,766	2,847
Level 1 [Member] | Corporate bonds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		0
Fair value of plan assets at end of year		0	0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		0	0	0	0
Level 1 [Member] | Partnership Investment [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year		0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		0		0
Level 2 [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		2,038
Fair value of plan assets at end of year		2,197	2,038
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		2,197	2,038	2,197	2,038
Level 2 [Member] | Money market funds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		0
Fair value of plan assets at end of year		0	0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		0	0	0	0
Level 2 [Member] | Mutual Funds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		0
Fair value of plan assets at end of year		0	0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		0	0	0	0
Level 2 [Member] | Common Stock [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		0
Fair value of plan assets at end of year		0	0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		0	0	0	0
Level 2 [Member] | Corporate bonds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		2,038
Fair value of plan assets at end of year		2,133	2,038
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		2,038	2,038	2,133	2,038
Level 2 [Member] | Partnership Investment [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year		64
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		64		64
Level 3 [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		0
Fair value of plan assets at end of year		0	0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		0	0	0	0
Level 3 [Member] | Money market funds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		0
Fair value of plan assets at end of year		0	0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		0	0	0	0
Level 3 [Member] | Mutual Funds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		0
Fair value of plan assets at end of year		0	0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		0	0	0	0
Level 3 [Member] | Common Stock [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		0
Fair value of plan assets at end of year		0	0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		0	0	0	0
Level 3 [Member] | Corporate bonds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		0
Fair value of plan assets at end of year		0	0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		0	$ 0	0	$ 0
Level 3 [Member] | Partnership Investment [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year		0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		$ 0		$ 0
[1]	This accumulated other comprehensive loss component is included in the computation of net periodic pension cost (see NOTE 14, Pension Plan for additional details).

Commitments and Contingencies65

Commitments and Contingencies (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments to extend credit	$ 133,321	$ 135,579
Home equity lines of credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments to extend credit	41,995	43,372
Commercial real estate, construction and development loans committed but not funded [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments to extend credit	18,113	21,839
Other lines of credit (principally commercial) [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments to extend credit	73,213	70,368
Letter of credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments to extend credit	$ 3,473	$ 3,586

Fair Value Measurements, Recurr

Fair Value Measurements, Recurring and Nonrecurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	$ 214,192	$ 139,346
Foreclosed Assets, Residential 1 to 4 Family [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	724	884
Foreclosed Assets, Commercial [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	927	1,198
Foreclosed Assets, Construction [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	1,090	2,139
Foreclosed Assets [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	2,741	4,221
Impaired Loans, Commercial Loans [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Impaired Loans, Consumer Loans [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Impaired Loans, Other Loans [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Impaired Loans, Residential 1 to 4 Family Real Estate [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	952	399
Impaired Loans, Commercial Real Estate [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	267	1,973
Impaired Loans, Construction Loans [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	62	264
Impaired Loans, Second Mortgages [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	104
Impaired Loans, Equity Lines [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Impaired Loans [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	1,281	2,740
US Treasury Securities [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	0	20,000
Obligations of U.S. Government agencies [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	24,240	4,618
Obligations of states and political subdivisions [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	78,433	50,246
Mortgage-backed securities [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	107,396	60,888
Money market investments [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	631	719
Corporate bond and other securities [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	3,393	2,790
Recurring [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	214,192	139,346
Recurring [Member] | US Treasury Securities [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	0	20,000
Recurring [Member] | Obligations of U.S. Government agencies [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	24,240	4,618
Recurring [Member] | Obligations of states and political subdivisions [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	78,433	50,246
Recurring [Member] | Mortgage-backed securities [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	107,396	60,888
Recurring [Member] | Money market investments [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	631	719
Recurring [Member] | Corporate bond and other securities [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	3,393	2,790
Recurring [Member] | Equity Securities [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	99	85
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Foreclosed Assets, Residential 1 to 4 Family [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Foreclosed Assets, Commercial [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Foreclosed Assets, Construction [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Foreclosed Assets [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans, Commercial Loans [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans, Consumer Loans [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans, Other Loans [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans, Residential 1 to 4 Family Real Estate [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans, Commercial Real Estate [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans, Construction Loans [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans, Second Mortgages [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans, Equity Lines [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | US Treasury Securities [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Obligations of U.S. Government agencies [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Obligations of states and political subdivisions [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Mortgage-backed securities [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Money market investments [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Corporate bond and other securities [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Equity Securities [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	0	0
Significant Other Observable Inputs (Level 2) [Member] | Foreclosed Assets, Residential 1 to 4 Family [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Significant Other Observable Inputs (Level 2) [Member] | Foreclosed Assets, Commercial [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Significant Other Observable Inputs (Level 2) [Member] | Foreclosed Assets, Construction [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Significant Other Observable Inputs (Level 2) [Member] | Foreclosed Assets [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans, Commercial Loans [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans, Consumer Loans [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans, Other Loans [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans, Residential 1 to 4 Family Real Estate [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans, Commercial Real Estate [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans, Construction Loans [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans, Second Mortgages [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans, Equity Lines [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	214,192	139,346
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | US Treasury Securities [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	0	20,000
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Obligations of U.S. Government agencies [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	24,240	4,618
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Obligations of states and political subdivisions [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	78,433	50,246
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Mortgage-backed securities [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	107,396	60,888
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Money market investments [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	631	719
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Corporate bond and other securities [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	3,393	2,790
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Equity Securities [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	99	85
Significant Unobservable Inputs (Level 3) [Member] | Foreclosed Assets, Residential 1 to 4 Family [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	724	884
Significant Unobservable Inputs (Level 3) [Member] | Foreclosed Assets, Commercial [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	927	1,198
Significant Unobservable Inputs (Level 3) [Member] | Foreclosed Assets, Construction [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	1,090	2,139
Significant Unobservable Inputs (Level 3) [Member] | Foreclosed Assets [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	2,741	4,221
Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans, Commercial Loans [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans, Consumer Loans [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans, Other Loans [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans, Residential 1 to 4 Family Real Estate [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	952	399
Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans, Commercial Real Estate [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	267	1,973
Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans, Construction Loans [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	62	264
Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans, Second Mortgages [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	104
Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans, Equity Lines [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	0	0
Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans [Member]
Estimated fair value of assets on nonrecurring basis [Abstract]
Assets, Fair Value Disclosure	1,281	2,740
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | US Treasury Securities [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Obligations of U.S. Government agencies [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Obligations of states and political subdivisions [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Mortgage-backed securities [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Money market investments [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Corporate bond and other securities [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Equity Securities [Member]
Assets measured at fair value on a recurring basis [Abstract]
Securities available-for-sale	$ 0	$ 0

Fair Value Measurements (Detail

Fair Value Measurements (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Carrying Value [Member]
Financial assets [Abstract]
Cash and Cash Equivalents	$ 36,990	$ 33,305
Securities available-for-sale		139,346
Securities held-to-maturity	0	90,089
Restricted securities	2,016	2,293
Loans, net of allowances for loan losses	560,737	528,919
Bank owned life insurance	24,411	23,525
Accrued Interest Receivable	3,059	2,695
Financial liabilities [Abstract]
Deposits	746,471	716,654
Overnight repurchase agreements	25,950	37,404
Term repurchase agreements	0	412
Federal Home Loan Bank advances	25,000	30,000
Accrued interest payable	241	255
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Financial assets [Abstract]
Cash and Cash Equivalents	36,990	33,305
Securities available-for-sale	0	0
Securities held-to-maturity	0	0
Restricted securities	0	0
Loans, net of allowances for loan losses	0	0
Bank owned life insurance	0	0
Accrued Interest Receivable	0	0
Financial liabilities [Abstract]
Deposits	0	0
Overnight repurchase agreements	0	0
Term repurchase agreements	0	0
Federal Home Loan Bank advances	0	0
Accrued interest payable	0	0
Significant Other Observable Inputs (Level 2) [Member]
Financial assets [Abstract]
Cash and Cash Equivalents	0	0
Securities available-for-sale	214,192	139,346
Securities held-to-maturity	0	94,406
Restricted securities	2,016	2,293
Loans, net of allowances for loan losses	0	0
Bank owned life insurance	24,411	23,525
Accrued Interest Receivable	3,059	2,695
Financial liabilities [Abstract]
Deposits	746,740	717,260
Overnight repurchase agreements	25,950	37,404
Term repurchase agreements	0	410
Federal Home Loan Bank advances	25,501	31,536
Accrued interest payable	241	255
Significant Unobservable Inputs (Level 3) [Member]
Financial assets [Abstract]
Cash and Cash Equivalents	0	0
Securities available-for-sale	0	0
Securities held-to-maturity	0	0
Restricted securities	0	0
Loans, net of allowances for loan losses	559,488	527,138
Bank owned life insurance	0	0
Accrued Interest Receivable	0	0
Financial liabilities [Abstract]
Deposits	0	0
Overnight repurchase agreements	0	0
Term repurchase agreements	0	0
Federal Home Loan Bank advances	0	0
Accrued interest payable	0	0
Securities available-for-sale	214,192	139,346
Securities held-to-maturity	0	94,406
Impaired Loans, Residential 1 to 4 Family Real Estate [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 952	$ 399
Impaired Loans, Residential 1 to 4 Family Real Estate [Member] | Market Comparables [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs (in hundredths)	7.25%	7.25%
Liquidation Discount	0.00%	4.00%
Impaired Loans, Residential 1 to 4 Family Real Estate [Member] | Market Comparables [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs (in hundredths)	7.25%	7.25%
Liquidation Discount	4.00%	4.00%
Impaired Loans, Residential 1 to 4 Family Real Estate [Member] | Market Comparables [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs (in hundredths)	7.25%	7.25%
Liquidation Discount	3.75%	4.00%
Impaired Loans, Commercial Real Estate [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 267	$ 1,973
Impaired Loans, Commercial Real Estate [Member] | Market Comparables [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs (in hundredths)	7.25%	7.25%
Liquidation Discount	4.00%	4.00%
Impaired Loans, Commercial Real Estate [Member] | Market Comparables [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs (in hundredths)	7.25%	7.25%
Liquidation Discount	4.00%	4.00%
Impaired Loans, Commercial Real Estate [Member] | Market Comparables [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs (in hundredths)	7.25%	7.25%
Liquidation Discount	4.00%	4.00%
Impaired Loans, Construction Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 62	$ 264
Impaired Loans, Construction Loans [Member] | Market Comparables [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs (in hundredths)	7.25%	0.00%
Liquidation Discount	4.00%	4.00%
Impaired Loans, Construction Loans [Member] | Market Comparables [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs (in hundredths)	7.25%	7.25%
Liquidation Discount	4.00%	28.71%
Impaired Loans, Construction Loans [Member] | Market Comparables [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs (in hundredths)	7.25%	1.18%
Liquidation Discount	4.00%	24.70%
Impaired Loans, Second Mortgages [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 0	$ 104
Impaired Loans, Second Mortgages [Member] | Market Comparables [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs (in hundredths)		7.25%
Liquidation Discount		4.00%
Impaired Loans, Second Mortgages [Member] | Market Comparables [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs (in hundredths)		7.25%
Liquidation Discount		4.00%
Impaired Loans, Second Mortgages [Member] | Market Comparables [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs (in hundredths)		7.25%
Liquidation Discount		4.00%
Impaired Loans, Commercial Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	0	$ 0
Foreclosed Assets, Residential 1-4 Family [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 724	$ 884
Foreclosed Assets, Residential 1-4 Family [Member] | Market Comparables [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs (in hundredths)	7.25%	7.25%
Liquidation Discount	4.00%	4.00%
Foreclosed Assets, Residential 1-4 Family [Member] | Market Comparables [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs (in hundredths)	7.25%	7.25%
Liquidation Discount	7.17%	10.00%
Foreclosed Assets, Residential 1-4 Family [Member] | Market Comparables [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs (in hundredths)	7.25%	7.25%
Liquidation Discount	4.79%	8.09%
Foreclosed Assets, Commercial [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 927	$ 1,198
Foreclosed Assets, Commercial [Member] | Market Comparables [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs (in hundredths)	7.25%	7.25%
Liquidation Discount	4.00%	4.00%
Foreclosed Assets, Commercial [Member] | Market Comparables [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs (in hundredths)	7.25%	7.25%
Liquidation Discount	24.70%	10.00%
Foreclosed Assets, Commercial [Member] | Market Comparables [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs (in hundredths)	7.25%	7.25%
Liquidation Discount	11.77%	5.91%
Foreclosed Assets, Construction [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 1,090	$ 2,139
Foreclosed Assets, Construction [Member] | Market Comparables [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs (in hundredths)	6.72%	7.25%
Liquidation Discount	33.05%	0.00%
Foreclosed Assets, Construction [Member] | Market Comparables [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs (in hundredths)	6.72%	11.25%
Liquidation Discount	33.05%	10.00%
Foreclosed Assets, Construction [Member] | Market Comparables [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs (in hundredths)	6.72%	7.38%
Liquidation Discount	33.05%	2.68%

Regulatory Matters (Details)

Regulatory Matters (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Total Capital to Risk Weighted Assets, Amount [Abstract]
Capital Amount	$ 104,076	$ 101,450
Minimum Capital Requirement	$ 55,910	$ 52,560
Total Capital to Risk Weighted Assets, Ratio [Abstract]
Capital Ratio (in hundredths)	14.89%	15.44%
Minimum Capital Requirement (in hundredths)	8.00%	8.00%
Tier 1 Capital to Risk Weighted Assets, Amount [Abstract]
Capital Amount	$ 96,338	$ 94,375
Minimum Capital Requirement	$ 41,932	$ 26,280
Tier 1 Capital to Risk Weighted Assets, Ratio [Abstract]
Capital Ratio (in hundredths)	13.78%	14.36%
Minimum Capital Requirement (in hundredths)	6.00%	4.00%
Common Equity Tier 1 Capital to Risk Weighted Assets, Amount [Abstract]
Capital Amount	$ 96,338
Common Equity Tier One Capital Required for Capital Adequacy	$ 31,449
Common Equity Tier 1 Capital to Risk Weighted Assets, Ratio [Abstract]
Capital Ratio (in hundredths)	13.78%
Minimum Capital Requirement (in hundredths)	4.50%
Tier 1 Capital to Average Assets, Amount [Abstract]
Capital Amount	$ 96,338	$ 94,375
Minimum Capital Requirement	$ 35,260	$ 35,131
Tier 1 Capital to Average Assets, Ratio [Abstract]
Capital Ratio (in hundredths)	10.93%	10.75%
Minimum Capital Requirement (in hundredths)	4.00%	4.00%
Amount available for dividend distribution without prior approval from regulatory agency	$ 2,983
Old Point National Bank [Member]
Total Capital to Risk Weighted Assets, Amount [Abstract]
Capital Amount	96,079	$ 94,472
Minimum Capital Requirement	55,589	52,294
Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions	$ 69,486	$ 65,367
Total Capital to Risk Weighted Assets, Ratio [Abstract]
Capital Ratio (in hundredths)	13.83%	14.45%
Minimum Capital Requirement (in hundredths)	8.00%	8.00%
Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions (in hundredths)	10.00%	10.00%
Tier 1 Capital to Risk Weighted Assets, Amount [Abstract]
Capital Amount	$ 88,341	$ 87,397
Minimum Capital Requirement	41,692	26,147
Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions	$ 55,589	$ 39,220
Tier 1 Capital to Risk Weighted Assets, Ratio [Abstract]
Capital Ratio (in hundredths)	12.71%	13.37%
Minimum Capital Requirement (in hundredths)	6.00%	4.00%
Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions (in hundredths)	8.00%	6.00%
Common Equity Tier 1 Capital to Risk Weighted Assets, Amount [Abstract]
Capital Amount	$ 88,341
Common Equity Tier One Capital Required for Capital Adequacy	31,269
Common Equity Tier One Capital Required to be Well Capitalized	$ 45,166
Common Equity Tier 1 Capital to Risk Weighted Assets, Ratio [Abstract]
Capital Ratio (in hundredths)	12.71%
Minimum Capital Requirement (in hundredths)	4.50%
Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions (in hundredths)	6.50%
Tier 1 Capital to Average Assets, Amount [Abstract]
Capital Amount	$ 88,341	$ 87,397
Minimum Capital Requirement	35,124	34,940
Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions	$ 43,905	$ 43,675
Tier 1 Capital to Average Assets, Ratio [Abstract]
Capital Ratio (in hundredths)	10.06%	10.01%
Minimum Capital Requirement (in hundredths)	4.00%	4.00%
Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions (in hundredths)	5.00%	5.00%

Segment Reporting (Details)

Segment Reporting (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)Segment	Dec. 31, 2014USD ($)
Segment Reporting [Abstract]
Description of operating segments	The Company's reportable segments are strategic business units that offer different products and services. They are managed separately because each segment appeals to different markets and, accordingly, requires different technologies and marketing strategies.
Revenues
Interest and dividend income	$ 30,295	$ 30,289
Income from fiduciary activities	3,617	3,506
Other income	9,519	9,138
Total operating income	43,431	42,933
Expenses
Interest expense	3,632	3,849
Provision for loan losses	1,025	600
Salaries and employee benefits	20,747	19,884
Other expenses	14,339	14,288
Total operating expenses	39,743	38,621
Income before income taxes	3,688	4,312
Income tax expense (benefit)	54	196
Net income	3,634	4,116
Property, Plant and Equipment, Additions	1,756	3,806
Total assets	$ 896,787	876,280
Intersegment loan [Abstract]
Number of geographical area in which an entity operates | Segment	1
Revenue benchmark no single customer equals or exceeds (in hundredths)	10.00%
Operating Segments [Member] | Bank [Member]
Revenues
Interest and dividend income	$ 30,242	30,239
Income from fiduciary activities	0	0
Other income	8,548	8,283
Total operating income	38,790	38,522
Expenses
Interest expense	3,633	3,849
Provision for loan losses	1,025	600
Salaries and employee benefits	17,630	16,761
Other expenses	13,254	13,371
Total operating expenses	35,542	34,581
Income before income taxes	3,248	3,941
Income tax expense (benefit)	(96)	69
Net income	3,344	3,872
Property, Plant and Equipment, Additions	1,682	3,786
Total assets	891,877	871,691
Operating Segments [Member] | Trust [Member]
Revenues
Interest and dividend income	54	50
Income from fiduciary activities	3,617	3,506
Other income	1,032	916
Total operating income	4,703	4,472
Expenses
Interest expense	0	0
Provision for loan losses	0	0
Salaries and employee benefits	2,685	2,695
Other expenses	1,010	1,053
Total operating expenses	3,695	3,748
Income before income taxes	1,008	724
Income tax expense (benefit)	343	247
Net income	665	477
Property, Plant and Equipment, Additions	74	20
Total assets	5,694	5,513
Operating Segments [Member] | Unconsolidated Parent [Member]
Revenues
Interest and dividend income	4,009	4,349
Income from fiduciary activities	0	0
Other income	200	200
Total operating income	4,209	4,549
Expenses
Interest expense	0	0
Provision for loan losses	0	0
Salaries and employee benefits	432	428
Other expenses	336	125
Total operating expenses	768	553
Income before income taxes	3,441	3,996
Income tax expense (benefit)	(193)	(120)
Net income	3,634	4,116
Property, Plant and Equipment, Additions	0	0
Total assets	93,191	88,497
Eliminations [Member]
Revenues
Interest and dividend income	(4,010)	(4,349)
Income from fiduciary activities	0	0
Other income	(261)	(261)
Total operating income	(4,271)	(4,610)
Expenses
Interest expense	(1)	0
Provision for loan losses	0	0
Salaries and employee benefits	0	0
Other expenses	(261)	(261)
Total operating expenses	(262)	(261)
Income before income taxes	(4,009)	(4,349)
Income tax expense (benefit)	0	0
Net income	(4,009)	(4,349)
Property, Plant and Equipment, Additions	0	0
Total assets	$ (93,975)	$ (89,421)

Condensed Financial Statement70

Condensed Financial Statements of Parent Company (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Assets
Cash and cash equivalents	$ 33,305	$ 33,305	$ 36,990	$ 33,305	$ 31,325
Securities held-to-maturity			0	90,089
Other assets			14,418	11,622
Total Assets			896,787	876,280
Liabilities & Stockholders' Equity
Common stock			24,795	24,795
Additional paid-in capital			16,392	16,392
Retained earnings			55,151	53,203
Accumulated other comprehensive loss			(3,162)	(5,893)	(10,802)
Total liabilities and stockholders' equity			896,787	876,280
Income:
Other income	9,519	9,138
Total operating income	43,431	42,933
Expenses:
Salary and benefits	20,747	19,884
Legal expenses	720	606
Service fees	693	584
Other operating expense	1,615	1,630
Total noninterest expense	35,086	34,172
Income before income taxes	3,688	4,312
Income tax expense	54	196
Net income	3,634	4,116
Cash flows from operating activities:
Net income	3,634	4,116
Adjustments to reconcile net income to net cash provided by operating activities:
Stock compensation expense	0	0
Increase in other assets	(3,969)	440
Decrease in other liabilities	3,637	442
Net cash provided by operating activities	7,833	10,035
Cash flows from investing activities:
Proceeds from maturity of investment securities	300	300
Net Cash Provided by (Used in) Investing Activities, Continuing Operations	(15,413)	(9,245)
Cash flows from financing activities:
Exercise of stock options	0	0
Cash dividends paid on common stock	(1,686)	(1,289)
Net cash provided by (used in) financing activities	11,265	1,190
Net increase (decrease) in cash and cash equivalents	3,685	1,980
Cash and cash equivalents at beginning of period	33,305	31,325
Cash and cash equivalents at end of period	36,990	33,305
Noncash Investing and Financing Items [Abstract]
Available-for-sale Securities, Change in Net Unrealized Holding Gain (Loss), Net of Tax	(755)	7,938
Equity securities transferred from other assets to available-for-sale	0	100
Parent Company [Member]
Assets
Cash and cash equivalents	1,349	1,349	2,198	1,349	$ 273
Securities held-to-maturity			99	85
Investment in common stock of subsidiaries			90,836	87,005
Other assets			58	58
Total Assets			93,191	88,497
Liabilities & Stockholders' Equity
Note payable - subsidiary			15	0
Common stock			24,795	24,795
Additional paid-in capital			16,392	16,392
Retained earnings			55,151	53,203
Accumulated other comprehensive loss			(3,162)	(5,893)
Total liabilities and stockholders' equity			$ 93,191	$ 88,497
Income:
Dividends from subsidiary	2,900	2,475
Interest on investments	0	0
Other income	200	200
Total operating income	3,100	2,675
Expenses:
Salary and benefits	432	428
Legal expenses	180	107
Service fees	137	143
Other operating expense	19	(125)
Total noninterest expense	768	553
Income before income taxes	2,332	2,122
Income tax expense	(193)	(120)
Net income before equity in undistributed net income (loss) of subsidiaries	2,525	2,242
Equity in undistributed net income (loss) of subsidiaries	1,109	1,874
Net income	3,634	4,116
Cash flows from operating activities:
Net income	3,634	4,116
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed net income of subsidiaries	(1,109)	(1,874)
Stock compensation expense	0	0
Increase in other assets	(5)	124
Decrease in other liabilities	15	(1)
Net cash provided by operating activities	2,535	2,365
Cash flows from investing activities:
Net Cash Provided by (Used in) Investing Activities, Continuing Operations	0	0
Cash flows from financing activities:
Cash dividends paid on common stock	(1,686)	(1,289)
Net cash provided by (used in) financing activities	(1,686)	(1,289)
Net increase (decrease) in cash and cash equivalents	849	1,076
Cash and cash equivalents at beginning of period	1,349	273
Cash and cash equivalents at end of period	2,198	1,349
Noncash Investing and Financing Items [Abstract]
Available-for-sale Securities, Change in Net Unrealized Holding Gain (Loss), Net of Tax	$ (1)	$ (15)

Subsequent Events (Details)

Subsequent Events (Details) - USD ($) $ in Thousands	Feb. 12, 2016	Feb. 10, 2016	Dec. 31, 2015	Dec. 31, 2014
Subsequent Event [Line Items]
Amount of Federal Home Loan Bank Advance Paid Early			$ 25,000	$ 30,000
Federal Home Loan Bank, Advances, Maturities Summary, Average Interest Rate of Amounts Due within One Year of Balance Sheet Date			4.83%	0.26%
Subsequent Events [Member]
Subsequent Event [Line Items]
Subsequent Event, Date	Feb. 12, 2016	Feb. 10, 2016
Subsequent Event, Description	early payoff of advance from the Federal Home Loan Bank	transfer of held-to-maturity securities to available-for-sale
Amount of Federal Home Loan Bank Advance Paid Early	$ 25,000
Fee for Early Payoff of Federal Home Loan Bank Advance	$ 391
Federal Home Loan Bank, Advances, Maturities Summary, Average Interest Rate of Amounts Due within One Year of Balance Sheet Date	4.83%
Securities Transferred From Held-to-Maturity to Available-for-Sale		$ 81,358	$ 81,358