Old Point Financial (OPOF) 10-Q 10 May 16 2016 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	3 Months Ended
	Mar. 31, 2016	Apr. 30, 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	No
Entity Filer Category	Smaller Reporting Company
Entity Public Float			$ 52,177,061
Entity Common Stock, Shares Outstanding		4,959,009
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	Q1
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Mar. 31, 2016

Consolidated Balance Sheets (un

Consolidated Balance Sheets (unaudited) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Assets
Cash and due from banks	$ 12,278	$ 33,514
Interest-bearing due from banks	344	1,064
Federal funds sold	638	2,412
Cash and cash equivalents	13,260	36,990
Securities available-for-sale, at fair value	194,454	214,192
Securities held-to-maturity	0	0
Restricted securities	970	2,016
Loans, net of allowance for loan losses	565,673	560,737
Premises and equipment, net	40,996	41,282
Bank-owned life insurance	24,626	24,411
Foreclosed assets, net of valuation allowance	2,243	2,741
Other assets	14,625	14,418
Total assets	856,847	896,787
Deposits:
Noninterest-bearing deposits	205,165	215,090
Savings deposits	311,422	321,370
Time deposits	208,092	210,011
Total deposits	724,679	746,471
Federal Funds Purchased	0	0
Overnight repurchase agreements	31,778	25,950
Term repurchase agreements	0	0
Federal Home Loan Bank advances	0	25,000
Accrued expenses and other liabilities	6,174	6,190
Total liabilities	762,631	803,611
Stockholders' equity:
Common stock	24,795	24,795
Additional paid-in capital	16,392	16,392
Retained earnings	55,676	55,151
Accumulated other comprehensive loss, net	(2,647)	(3,162)
Total stockholders' equity	94,216	93,176
Total liabilities and stockholders' equity	$ 856,847	$ 896,787

Consolidated Balance Sheets (u3

Consolidated Balance Sheets (unaudited) (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Assets
Securities held-to-maturity, fair value	$ 0	$ 0
Allowance for loan losses	7,802	7,738
Foreclosed assets, valuation allowance	$ 2,209	$ 2,549
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 (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Interest and Dividend Income:
Interest and fees on loans	$ 6,413	$ 6,355
Interest on due from banks	4	7
Interest on federal funds sold	1	0
Interest on securities:
Taxable	548	686
Tax-exempt	384	423
Dividends and interest on all other securities	15	33
Total interest and dividend income	7,365	7,504
Interest Expense:
Interest on savings deposits	55	52
Interest on time deposits	517	528
Interest on federal funds purchased, securities sold under agreements to repurchase and other borrowings	6	8
Interest on Federal Home Loan Bank advances	141	305
Total interest expense	719	893
Net interest income	6,646	6,611
Provision for loan losses	150	275
Net interest income, after provision for loan losses	6,496	6,336
Noninterest Income:
Income from fiduciary activities	901	980
Service charges on deposit accounts	975	982
Other service charges, commissions and fees	1,018	1,005
Income from bank-owned life insurance	215	221
Available-for-sale Securities, Gross Realized Gain (Loss)	509	0
Other operating income	47	89
Total noninterest income	3,665	3,277
Noninterest Expense:
Salaries and employee benefits	5,154	5,049
Occupancy and equipment	1,358	1,327
Data processing	422	358
FDIC insurance	165	147
Customer development	150	154
Legal and audit expense	202	114
Other outside service fees	183	114
Employee professional development	148	131
Bad checks and other losses	87	137
Capital stock tax	135	114
Prepayment fee on Federal Home Loan Bank Advance	391	0
Gain (loss) on write-down/sale of foreclosed assets	99	69
Other operating expense	597	573
Total noninterest expense	9,091	8,287
Income before income taxes	1,070	1,326
Income tax expense	49	121
Net income	$ 1,021	$ 1,205
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)	$ 0.21	$ 0.24
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)	$ 0.21	$ 0.24

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Consolidated Statements of Comprehensive Income (Loss) (unaudited) [Abstract]
Net income	$ 1,021	$ 1,205
Other comprehensive (loss), net of tax:
Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax	515	91
Net effect of market adjustment on securities transferred to available-for-sale, net	0	141
Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Adjustment, Net of Tax	0	0
Other Comprehensive Income (Loss), Net of Tax, Total	515	232
Comprehensive income (loss)	$ 1,536	$ 1,437

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity (unaudited) - 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, 2014	$ 24,795	$ 16,392	$ 53,203	$ (5,893)	$ 88,497
Balance (in shares) at Dec. 31, 2014	4,959,009
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 0	0	1,205	0	1,205
Net change for quarter	0	0	0	232	232
Cash dividends	0	0	(396)	0	(396)
Balance at Mar. 31, 2015	$ 24,795	16,392	54,012	(5,661)	89,538
Balance (in shares) at Mar. 31, 2015	4,959,009
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
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 0	0	1,021	0	$ 1,021
Net change for quarter	0	0	0	515	515
Cash dividends	0	0	(496)	0	(496)
Balance at Mar. 31, 2016	$ 24,795	$ 16,392	$ 55,676	$ (2,647)	$ 94,216
Balance (in shares) at Mar. 31, 2016	4,959,009				4,959,009

Consolidated Statements of Cha7

Consolidated Statements of Changes in Stockholders' Equity (unaudited) (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Consolidated Statements of Changes in Stockholders' Equity (unaudited) [Abstract]
Cash dividends (in dollars per share)	$ 0.10	$ 0.08

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 1,021	$ 1,205
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	667	628
Provision for loan losses	150	275
Available-for-sale Securities, Gross Realized Gain (Loss)	(509)	0
Net amortization of securities	514	536
Gain (Loss) on Disposition of Property Plant Equipment	(10)	1
Gain (loss) on write-down/sale of foreclosed assets	99	69
Income from bank owned life insurance	(215)	(221)
(Increase) decrease in other assets	(472)	(251)
Increase (decrease) in other liabilities	(16)	542
Net cash provided by (used in) operating activities	1,229	2,784
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of available-for-sale securities	(61,690)	(21,362)
Proceeds from redemption (cash used in purchases) of restricted securities	1,046	(11)
Proceeds from Maturities, Prepayments and Calls of Available-for-sale Securities	20,740	20,690
Proceeds from sale of available-for-sale securities	58,361	1,155
Paydowns on available-for-sale securities	3,102	2,367
Paydowns on held-to-maturity securities	0	1,725
(Increase) decrease in loans made to customers	(5,086)	(19,634)
Proceeds from sales of foreclosed assets	399	406
Purchases of premises and equipment	(371)	(973)
Net cash provided by (used in) investing activities	16,501	(15,637)
CASH FLOWS FROM FINANCING ACTIVITIES
Increase (decrease) in noninterest-bearing deposits	(9,925)	6,316
Increase (decrease) in savings deposits	(9,948)	2,710
Increase (decrease) in time deposits	(1,919)	2,646
Increase (decrease) in federal funds purchased, repurchase agreements and other borrowings	5,828	(1,857)
Repayments of Federal Home Loan Bank Borrowings	(25,000)	0
Cash dividends paid on common stock	(496)	(396)
Net cash provided by (used in) financing activities	(41,460)	9,419
Net increase (decrease) in cash and cash equivalents	(23,730)	(3,434)
Cash and cash equivalents at beginning of period	36,990	33,305
Cash and cash equivalents at end of period	13,260	29,871
Cash payments for:
Interest	740	887
Income tax	0	0
SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS
Unrealized holding gains (losses) arising during the period	780	138
Loans transferred to foreclosed assets	0	454
Amortization of Unrealized Gain or Loss on Securities Transferred from AFS to HTM	$ 0	$ 214

General

General	3 Months Ended
	Mar. 31, 2016
General [Abstract]
General	Note 1. General The accompanying unaudited consolidated financial statements of Old Point Financial Corporation (the Company) and its subsidiaries have been prepared in accordance with U.S. generally accepted accounting principles (GAAP) for interim financial information. All significant intercompany balances and transactions have been eliminated. In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments and reclassifications of a normal and recurring nature considered necessary to present fairly the financial positions at March 31, 2016 and December 31, 2015 and the statements of income, comprehensive income, changes in stockholders' equity and cash flows for the three months ended March 31, 2016 and 2015. The results of operations for the interim periods are not necessarily indicative of the results that may be expected for the full year. These consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company's 2015 annual report on Form 10-K. Certain previously reported amounts have been reclassified to conform to current period presentation, none of which were material in nature. PRINCIPLES OF CONSOLIDATION The consolidated financial statements include the accounts of 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 March 31, 2016, 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.

Securities

Securities	3 Months Ended
	Mar. 31, 2016
Securities [Abstract]
Securities	Note 2. Securities Amortized costs and fair values of securities available-for-sale as of the dates indicated are as follows: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (in thousands) March 31, 2016 U.S. Treasury securities $ 19,999 $ 0 $ 0 $ 19,999 Obligations of U.S. Government agencies 4,071 1 (50 ) 4,022 Obligations of state and political subdivisions 71,958 1,161 (127 ) 72,992 Mortgage-backed securities 94,511 0 (1,092 ) 93,419 Money market investments 511 0 0 511 Corporate bonds and other securities 3,397 17 (3 ) 3,411 Other marketable equity securities 100 0 0 100 Total $ 194,547 $ 1,179 $ (1,272 ) $ 194,454 December 31, 2015 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 The following table summarizes realized gains and losses on the sale of investment securities during the periods indicated: Three Months Ended March 31, 2016 2015 Securities Available-for-sale Realized gains on sales of securities $ 548 $ 0 Realized losses on sales of securities (39 ) 0 Net realized gain (loss) $ 509 $ 0 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, which are 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 through income on securities for the three months ended March 31, 2016 or the year ended December 31, 2015. TEMPORARILY IMPAIRED SECURITIES The following table shows the number of securities with unrealized losses, and 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: March 31, 2016 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 Debt securities: Obligations of U.S. Government agencies $ 0 $ 0 $ 50 $ 3,721 $ 50 $ 3,721 2 Obligations of state and political subdivisions 87 5,432 40 3,043 127 8,475 15 Mortgage-backed securities 254 31,813 838 61,606 1,092 93,419 18 Corporate bonds 0 0 3 697 3 697 6 Total securities available-for-sale $ 341 $ 37,245 $ 931 $ 69,067 $ 1,272 $ 106,312 41 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 Debt securities: 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 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 Certain investments within the Company's portfolio had unrealized losses at March 31, 2016 and December 31, 2015, as shown in the tables above. The unrealized losses were caused by increases in market interest rates. 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 March 31, 2016 or December 31, 2015. Restricted Securities The restricted security category is comprised of stock in the Federal Home Loan Bank of Atlanta (FHLB) and the Federal Reserve Bank (FRB). 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 FRB 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	3 Months Ended
	Mar. 31, 2016
Loans and the Allowance for Loan Losses [Abstract]
Loans and the Allowance for Loan Losses	Note 3. 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: March 31, 2016 December 31, 2015 (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 96,473 $ 96,997 Commercial 276,394 277,758 Construction 22,631 19,685 Second mortgages 15,944 15,148 Equity lines of credit 46,526 47,256 Total mortgage loans on real estate 457,968 456,844 Commercial loans 45,700 43,197 Consumer loans 48,454 50,427 Other 21,353 18,007 Total loans, net of deferred fees (1) 573,475 568,475 Less: Allowance for loan losses (7,802 ) (7,738 ) Loans, net of allowance and deferred fees (1) $ 565,673 $ 560,737 (1) Deferred loan fees totaled $414 thousand and $407 thousand at March 31, 2016 and December 31, 2015, respectively. Overdrawn deposit accounts are reclassified as loans and included in the Other category in the table above. Overdrawn deposit accounts totaled $618 thousand and $648 thousand at March 31, 2016 and December 31, 2015, 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 March 31, 2016 (in thousands) Pass OAEM Substandard Total Mortgage loans on real estate: Residential 1-4 family $ 94,015 $ 0 $ 2,458 $ 96,473 Commercial 258,317 9,457 8,620 276,394 Construction 21,718 0 913 22,631 Second mortgages 15,607 0 337 15,944 Equity lines of credit 46,426 0 100 46,526 Total mortgage loans on real estate 436,083 9,457 12,428 457,968 Commercial loans 42,303 1,251 2,146 45,700 Consumer loans 48,371 0 83 48,454 Other 21,353 0 0 21,353 Total $ 548,110 $ 10,708 $ 14,657 $ 573,475 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 As of March 31, 2016 and December 31, 2015, 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 March 31, 2016 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 $ 912 $ 267 $ 207 $ 1,386 $ 95,087 $ 96,473 $ 0 Commercial 1,712 30 2,334 4,076 272,318 276,394 20 Construction 0 0 162 162 22,469 22,631 162 Second mortgages 57 0 156 213 15,731 15,944 0 Equity lines of credit 25 0 0 25 46,501 46,526 0 Total mortgage loans on real estate 2,706 297 2,859 5,862 452,106 457,968 182 Commercial loans 455 43 142 640 45,060 45,700 0 Consumer loans 1,359 688 2,903 4,950 43,504 48,454 2,903 Other 38 3 7 48 21,305 21,353 7 Total $ 4,558 $ 1,031 $ 5,911 $ 11,500 $ 561,975 $ 573,475 $ 3,092 (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 and interest amounts that are 97 - 98% guaranteed by the federal government. The past due principal portion of these guaranteed loans totaled $4.7 million at March 31, 2016. 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 and interest amounts that are 97 - 98% guaranteed by the federal government. The past due principal portion of these guaranteed loans totaled $5.7 million at December 31, 2015. Although the portion of the student loan portfolio that is 90 days or more past due would normally be considered impaired, the Company does not include these loans in its impairment analysis due to the government guarantee (which includes both principal and interest) and the small size of the individual loans. 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, when classified as a "loss," when repayment is unreasonably protracted, when bankruptcy has been initiated, or when the loan is 120 days or more past due unless the credit is well-secured and in the process of collection. 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 March 31, 2016 December 31, 2015 (in thousands) Mortgage loans on real estate Residential 1-4 family $ 1,343 $ 1,457 Commercial 4,701 2,623 Second mortgages 156 226 Total mortgage loans on real estate 6,200 4,306 Commercial loans 257 276 Total $ 6,457 $ 4,582 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: Three Months Ended March 31, 2016 2015 (in thousands) Interest income that would have been recorded under original loan terms $ 85 $ 73 Actual interest income recorded for the period 38 63 Reduction in interest income on nonaccrual loans $ 47 $ 10 TROUBLED DEBT RESTRUCTURINGS The Company's loan portfolio includes certain loans that have been modified in a troubled debt restructuring (TDR), 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 stated in the impaired loan section below. The following table presents TDRs during the period indicated, by class of loan. There were no troubled debts restructured in the first quarter of 2015. Troubled Debt Restructurings by Class For the Three Months Ended March 31, 2016 (dollars in thousands) Number of Modifications Recorded Investment Prior to Modification Recorded Investment After Modification Current Investment on March 31, 2016 Commercial loans 1 $ 152 $ 152 $ 115 The loan restructured in the first three months of 2016 was given a below-market rate for debt with similar risk characteristics. At March 31, 2016 and December 31, 2015, the Company had no outstanding commitments to disburse additional funds on any TDR. Also at both March 31, 2016 and December 31, 2015, the Company had $53 thousand in loans secured by residential 1 - 4 family real estate that were in the process of foreclosure. In the first quarters of 2016 and 2015, there were no defaulting TDRs 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. All TDRs are factored into the determination of the allowance for loan losses and 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 all amounts when due from the borrower in accordance with the contractual terms of the loan. 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 March 31, 2016 For the three months ended March 31, 2016 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 $ 2,812 $ 1,853 $ 816 $ 96 $ 2,702 $ 32 Commercial 10,155 6,139 3,187 588 9,307 66 Construction 98 0 98 35 98 1 Second mortgages 531 486 0 0 524 10 Total mortgage loans on real estate $ 13,596 $ 8,478 $ 4,101 $ 719 $ 12,631 $ 109 Commercial loans 435 257 0 0 266 2 Consumer loans 11 11 0 0 12 0 Total $ 14,042 $ 8,746 $ 4,101 $ 719 $ 12,909 $ 111 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 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 historical loss rates (determined by 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 probable losses inherent in the loan portfolio. The Company segments the loan portfolio into categories as 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 March 31, 2016, m anagement used twelve-quarter migration periods. Management also provides an allocated component of the allowance for loans that are specifically identified 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 $7.8 million adequate to cover loan losses inherent in the loan portfolio at March 31, 2016. 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 Three Months Ended March 31, 2016 Commercial Real Estate - Construction Real Estate - Mortgage Consumer Other Total Allowance for Loan Losses: Balance at the beginning of period $ 633 $ 985 $ 5,628 $ 279 $ 213 $ 7,738 Charge-offs 0 0 (16 ) (73 ) (34 ) (123 ) Recoveries 7 3 7 8 12 37 Provision for loan losses 11 145 (89 ) 57 26 150 Ending balance $ 651 $ 1,133 $ 5,530 $ 271 $ 217 $ 7,802 Ending balance individually evaluated for impairment $ 0 $ 35 $ 684 $ 0 $ 0 $ 719 Ending balance collectively evaluated for impairment 651 1,098 4,846 271 217 7,083 Ending balance $ 651 $ 1,133 $ 5,530 $ 271 $ 217 $ 7,802 Loan Balances: Ending balance individually evaluated for impairment $ 257 $ 98 $ 12,481 $ 11 $ 0 $ 12,847 Ending balance collectively evaluated for impairment 45,443 22,533 422,856 48,443 21,353 560,628 Ending balance $ 45,700 $ 22,631 $ 435,337 $ 48,454 $ 21,353 $ 573,475 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

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits	3 Months Ended
	Mar. 31, 2016
Investments in Affordable Housing Projects [Abstract]
Low-Income Housing Tax Credits [Text Block]	Note 4. Low-Income Housing Tax Credits The Company was invested in 4 separate housing equity funds at both March 31, 2016 and December 31, 2015. 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 $4.1 million and $4.2 million at March 31, 2016 and December 31, 2015, respectively. The expected terms of these investments and the related tax benefits run through 2032. During the three months ended March 31, 2016 and 2015, the Company recognized tax credits and other tax benefits related to these investments of $126 thousand and $118 thousand, respectively. Total projected tax credits to be received for 2016 are $404 thousand, which is based on the most recent quarterly estimates received from the funds. Additional capital calls expected for the funds totaled $3.0 million and $3.0 million at March 31, 2016 and December 31, 2015, respectively, and are recorded in accrued expenses and other liabilities on the corresponding consolidated balance sheet.

Share-Based Compensation

Share-Based Compensation	3 Months Ended
	Mar. 31, 2016
Share-Based Compensation [Abstract]
Share-Based Compensation	Note 5. Share-Based Compensation Share-based compensation arrangements include stock options, restricted stock awards, performance-based awards, stock appreciation rights and employee stock purchase plans. Accounting standards require all share-based payments to employees to be valued using a fair value method on the date of grant and to be expensed based on that fair value over the applicable vesting period. Historically, the Company has only granted share-based compensation in the form of stock options. There were no options granted in the first three months of 2016. 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 could be granted under the plan after March 9, 2008. Options to purchase 69,980 shares of common stock were outstanding under the Company's 1998 Stock Option Plan at March 31, 2016. 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 activity for the three months ended March 31, 2016 is summarized below: Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Aggregate Intrinsic Value (in thousands) Options outstanding, January 1, 2016 74,960 $ 20.05 Granted 0 0 Exercised 0 0 Canceled or expired (4,980 ) 20.05 Options outstanding, March 31, 2016 69,980 $ 20.05 1.54 $ 0 Options exercisable, March 31, 2016 69,980 $ 20.05 1.54 $ 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 fair 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 March 31, 2016. This amount changes based on changes in the fair value of the Company's common stock. As of March 31, 2016, the outstanding options had no intrinsic value because the exercise prices of all outstanding options were above the fair value of a share of the Company's common stock. No options were exercised during the three months ended March 31, 2016. As of March 31, 2016, all outstanding stock options were fully vested and there was no unrecognized stock-based compensation expense.

Pension Plan

Pension Plan	3 Months Ended
	Mar. 31, 2016
Pension Plan [Abstract]
Pension Plan	Note 6. 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 will be added to the plan. The components of net periodic pension plan cost are as follows for the periods indicated: Three months ended March 31, 2016 2015 (in thousands) Interest cost $ 70 $ 66 Expected return on plan assets (98 ) (89 ) Amortization of net loss 140 99 Net periodic pension plan cost $ 112 $ 76 At March 31, 2016, management had not yet determined the amount, if any, that the Company will contribute to the plan in the year ending December 31, 2016.

Stockholders' Equity and Earnin

Stockholders' Equity and Earnings per Common Share	3 Months Ended
	Mar. 31, 2016
Stockholders' Equity and Earnings Per Common Share [Abstract]
Stockholders' Equity and Earnings Per Common Share	Note 7. Stockholders' Equity and Earnings per Share STOCKHOLDERS' EQUITY – ACCUMULATED OTHER COMPREHENSIVE LOSS The following table presents information on amounts reclassified out of accumulated other comprehensive loss, by category, during the periods indicated: Three Months Ended March 31, Affected Line Item on 2016 2015 Consolidated Statement of Income Available-for-sale securities Realized gains on sales of securities $ 509 $ 0 Gain on sale of available-for-sale securities, net Tax expense 173 0 Income tax expense $ 336 $ 0 Net of tax The following table presents the changes in accumulated other comprehensive loss, by category, net of tax, for the periods indicated: Unrealized Gains (Losses) on Securities Unrealized Losses on Securities Transferred to Held-to-Maturity Defined Benefit Pension Plans Accumulated Other Comprehensive Loss (in thousands) Three Months Ended March 31, 2016 Balance at beginning of period $ (576 ) $ 0 $ (2,586 ) $ (3,162 ) Net change for the period 515 0 0 515 Balance at end of period $ (61 ) $ 0 $ (2,586 ) $ (2,647 ) Three Months Ended March 31, 2015 Balance at beginning of period $ (78 ) $ (3,386 ) $ (2,429 ) $ (5,893 ) Net change for the period 91 141 0 232 Balance at end of period $ 13 $ (3,245 ) $ (2,429 ) $ (5,661 ) The following table presents the change in each component of accumulated other comprehensive loss on a pre-tax and after-tax basis for the periods indicated. Three Months Ended March 31, 2016 Pretax Tax Net-of-Tax (in thousands) Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 1,289 $ 438 $ 851 Reclassification adjustment for gains recognized in income (509 ) (173 ) (336 ) Net unrealized gains on securities 780 265 515 Total change in accumulated other comprehensive loss $ 780 $ 265 $ 515 Three Months Ended March 31, 2015 Pretax Tax Net-of-Tax (in thousands) Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 138 $ 47 $ 91 Unrealized losses on securities transferred from available-for-sale to held-to-maturity: Amortization 214 73 141 Net change $ 352 $ 120 $ 232 EARNINGS PER COMMON SHARE Basic earnings per share is computed by dividing net income by the weighted average number of common shares outstanding during the period. Diluted earnings per share is computed using the weighted average number of common shares outstanding during the period, including the effect of dilutive potential common shares attributable to outstanding stock options. The Company did not include 70 thousand and 78 thousand potential common shares attributable to outstanding stock options in the diluted earnings per share calculation for the first three months of 2016 and 2015, respectively, because they were antidilutive.

Recent Accounting Pronouncement

Recent Accounting Pronouncements	3 Months Ended
	Mar. 31, 2016
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	Note 8. Recent Accounting Pronouncements 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 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. During March 2016, the FASB issued ASU No. 2016-05, "Derivatives and Hedging (Topic 815): Effect of Derivative Contract Novations on Existing Hedge Accounting Relationships". The amendments in this ASU clarify that a change in the counterparty to a derivative instrument that has been designated as the hedging instrument does not, in and of itself, require dedesignation of that hedging relationship provided that all other hedge accounting criteria remain intact. The amendments are effective for public business entities for financial statements issued for fiscal years beginning after December 15, 2016, and interim periods within those fiscal years. Early adoption is permitted, including adoption in an interim period. The Company does not expect the adoption of ASU 2016-05 to have a material impact on its consolidated financial statements. In March 2016, the FASB issued ASU No. 2016-07, "Investments – Equity Method and Joint Ventures (Topic 323): Simplifying the Transition to the Equity Method of Accounting". The amendments in this ASU eliminate the requirement that when an investment qualifies for use of the equity method as a result of an increase in the level of ownership interest or degree of influence, an investor must adjust the investment, results of operations, and retained earnings retroactively on a step-by-step basis as if the equity method had been in effect during all previous periods that the investment had been held. The amendments require that the equity method investor add the cost of acquiring the additional interest in the investee to the current basis of the investor's previously held interest and adopt the equity method of accounting as of the date the investment becomes qualified for equity method accounting. Therefore, upon qualifying for the equity method of accounting, no retroactive adjustment of the investment is required. In addition, the amendments in this ASU require that an entity that has an available-for-sale equity security that becomes qualified for the equity method of accounting recognize through earnings the unrealized holding gain or loss in accumulated other comprehensive income at the date the investment becomes qualified for use of the equity method. The amendments are effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2016. The amendments should be applied prospectively upon their effective date to increases in the level of ownership interest or degree of influence that result in the adoption of the equity method. Early Adoption is permitted. The Company does not expect the adoption of ASU 2016-07 to have a material impact on its consolidated financial statements. During March 2016, the FASB issued ASU No. 2016-09, "Compensation – Stock Compensation (Topic 718): Improvements to Employee Shares-Based Payment Accounting". The amendments in this ASU simplify several aspects of the accounting for share-based payment award transactions including: (a) income tax consequences; (b) classification of awards as either equity or liabilities; and (c) classification on the statement of cash flows. The amendments are effective for public companies for annual periods beginning after December 15, 2016, and interim periods within those annual periods. The Company is currently assessing the impact that ASU 2016-09 will have on its consolidated financial statements.

Fair Value Measurements

Fair Value Measurements	3 Months Ended
	Mar. 31, 2016
Fair Value Measurements [Abstract]
Fair Value Measurements	Note 9. Fair Value Measurements 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 March 31, 2016 Using Balance Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Available-for-sale securities U.S. Treasury securities $ 19,999 $ 0 $ 19,999 $ 0 Obligations of U.S. Government agencies 4,022 0 4,022 0 Obligations of state and political subdivisions 72,992 0 72,992 0 Mortgage-backed securities 93,419 0 93,419 0 Money market investments 511 0 511 0 Corporate bonds 3,411 0 3,411 0 Other marketable equity securities 100 0 100 0 Total available-for-sale securities $ 194,454 $ 0 $ 194,454 $ 0 Fair Value Measurements at December 31, 2015 Using Balance Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Available-for-sale securities 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 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 all amounts when due from the borrower in accordance with the contractual terms of the loan. 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 discounted 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 gain or 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. Carrying Value at March 31, 2016 Using Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Impaired loans Mortgage loans on real estate: Residential 1-4 family $ 652 $ 0 $ 0 $ 652 Commercial 434 0 0 434 Construction 98 0 0 98 Total $ 1,184 $ 0 $ 0 $ 1,184 Other real estate owned Residential 1-4 family $ 548 $ 0 $ 0 $ 548 Commercial 605 0 0 605 Construction 1,090 0 0 1,090 Total $ 2,243 $ 0 $ 0 $ 2,243 Carrying Value at December 31, 2015 Using Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) 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 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 Fair Value at March 31, 2016 (dollars in thousands) Valuation Techniques Unobservable Input Range (Weighted Average) Impaired loans Residential 1-4 family real estate $ 652 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Commercial real estate $ 434 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Construction $ 98 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Other real estate owned Residential 1-4 family $ 548 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Commercial $ 605 Market comparables Selling costs 7.25 % Liquidation discount 4.00% - 36.86% (23.26 %) Construction $ 1,090 Market comparables Selling costs 6.72 % Liquidation discount 33.05 % Quantitative Information About Level 3 Fair Value Measurements Fair Value at December 31, 2015 (dollars in thousands) Valuation Techniques Unobservable Input Range (Weighted 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 % ASC 825, "Financial Instruments," requires disclosure about fair value of financial instruments for interim periods 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: 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 FRB 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 FRB 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. Instead, 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. 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. 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 March 31, 2016 and December 31, 2015, 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 March 31, 2016 Using Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Assets Cash and cash equivalents $ 13,260 $ 13,260 $ 0 $ 0 Securities available-for-sale 194,454 0 194,454 0 Restricted securities 970 0 970 0 Loans, net of allowances for loan losses 565,673 0 0 566,618 Bank-owned life insurance 24,626 0 24,626 0 Accrued interest receivable 2,937 0 2,937 0 Liabilities Deposits $ 724,679 $ 0 $ 725,141 $ 0 Overnight repurchase agreements 31,778 0 31,778 0 Accrued interest payable 220 0 220 0 Fair Value Measurements at December 31, 2015 Using Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Assets Cash and cash equivalents $ 36,990 $ 36,990 $ 0 $ 0 Securities available-for-sale 214,192 0 214,192 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 Federal Home Loan Bank advances 25,000 0 25,501 0 Accrued interest payable 241 0 241 0

Segment Reporting

Segment Reporting	3 Months Ended
	Mar. 31, 2016
Segment Reporting [Abstract]
Segment Reporting	Note 10. Segment Reporting The Company operates in a decentralized fashion in three principal business segments: The Old Point National Bank of Phoebus (the Bank), Old Point Trust & Financial Services, N. A. (Trust), and the Company as a separate segment (for purposes of this Note, 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's revenues are mainly fees 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 three months ended March 31, 2016 and 2015 follows: Three Months Ended March 31, 2016 Bank Trust Parent Eliminations Consolidated (in thousands) Revenues Interest and dividend income $ 7,351 $ 14 $ 1,146 $ (1,146 ) $ 7,365 Income from fiduciary activities 0 901 0 0 901 Other income 2,503 276 50 (65 ) 2,764 Total operating income 9,854 1,191 1,196 (1,211 ) 11,030 Expenses Interest expense 719 0 0 0 719 Provision for loan losses 150 0 0 0 150 Salaries and employee benefits 4,362 678 114 0 5,154 Other expenses 3,615 261 126 (65 ) 3,937 Total operating expenses 8,846 939 240 (65 ) 9,960 Income before taxes 1,008 252 956 (1,146 ) 1,070 Income tax expense (benefit) 28 86 (65 ) 0 49 Net income $ 980 $ 166 $ 1,021 $ (1,146 ) $ 1,021 Capital expenditures $ 367 $ 4 $ 0 $ 0 $ 371 Total assets $ 851,716 $ 5,865 $ 94,236 $ (94,970 ) $ 856,847 Three Months Ended March 31, 2015 Bank Trust Parent Eliminations Consolidated (in thousands) Revenues Interest and dividend income $ 7,491 $ 13 $ 1,268 $ (1,268 ) $ 7,504 Income from fiduciary activities 0 980 0 0 980 Other income 2,051 261 50 (65 ) 2,297 Total operating income 9,542 1,254 1,318 (1,333 ) 10,781 Expenses Interest expense 893 0 0 0 893 Provision for loan losses 275 0 0 0 275 Salaries and employee benefits 4,309 627 113 0 5,049 Other expenses 3,035 236 32 (65 ) 3,238 Total operating expenses 8,512 863 145 (65 ) 9,455 Income before taxes 1,030 391 1,173 (1,268 ) 1,326 Income tax expense (benefit) 20 133 (32 ) 0 121 Net income $ 1,010 $ 258 $ 1,205 $ (1,268 ) $ 1,205 Capital expenditures $ 955 $ 18 $ 0 $ 0 $ 973 Total assets $ 882,771 $ 5,848 $ 89,543 $ (90,484 ) $ 887,678 The accounting policies of the segments are the same as those described in the summary of significant accounting policies reported in the Company's 2015 annual report on Form 10-K. 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.

Commitments and Contingencies

Commitments and Contingencies	3 Months Ended
	Mar. 31, 2016
Commitments and Contingencies [Abstract]
Commitments and Contingencies	Note 11. Commitments and Contingencies There have been no material changes in the Company's commitments and contingencies from those disclosed in the Company's 2015 annual report on Form 10-K.

Securities (Tables)

Securities (Tables)	3 Months Ended
	Mar. 31, 2016
Securities [Abstract]
Amortized costs and fair value of securities available-for-sale	Amortized costs and fair values of securities available-for-sale as of the dates indicated are as follows: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (in thousands) March 31, 2016 U.S. Treasury securities $ 19,999 $ 0 $ 0 $ 19,999 Obligations of U.S. Government agencies 4,071 1 (50 ) 4,022 Obligations of state and political subdivisions 71,958 1,161 (127 ) 72,992 Mortgage-backed securities 94,511 0 (1,092 ) 93,419 Money market investments 511 0 0 511 Corporate bonds and other securities 3,397 17 (3 ) 3,411 Other marketable equity securities 100 0 0 100 Total $ 194,547 $ 1,179 $ (1,272 ) $ 194,454 December 31, 2015 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
Available-for-sale securities and Held-to-maturity securities, continuous unrealized loss position	The following table shows the number of securities with unrealized losses, and 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: March 31, 2016 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 Debt securities: Obligations of U.S. Government agencies $ 0 $ 0 $ 50 $ 3,721 $ 50 $ 3,721 2 Obligations of state and political subdivisions 87 5,432 40 3,043 127 8,475 15 Mortgage-backed securities 254 31,813 838 61,606 1,092 93,419 18 Corporate bonds 0 0 3 697 3 697 6 Total securities available-for-sale $ 341 $ 37,245 $ 931 $ 69,067 $ 1,272 $ 106,312 41 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 Debt securities: 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 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

Loans and the Allowance for L21

Loans and the Allowance for Loan Losses (Tables)	3 Months Ended
	Mar. 31, 2016
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: March 31, 2016 December 31, 2015 (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 96,473 $ 96,997 Commercial 276,394 277,758 Construction 22,631 19,685 Second mortgages 15,944 15,148 Equity lines of credit 46,526 47,256 Total mortgage loans on real estate 457,968 456,844 Commercial loans 45,700 43,197 Consumer loans 48,454 50,427 Other 21,353 18,007 Total loans, net of deferred fees (1) 573,475 568,475 Less: Allowance for loan losses (7,802 ) (7,738 ) Loans, net of allowance and deferred fees (1) $ 565,673 $ 560,737 (1) Deferred loan fees totaled $414 thousand and $407 thousand at March 31, 2016 and December 31, 2015, 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 March 31, 2016 (in thousands) Pass OAEM Substandard Total Mortgage loans on real estate: Residential 1-4 family $ 94,015 $ 0 $ 2,458 $ 96,473 Commercial 258,317 9,457 8,620 276,394 Construction 21,718 0 913 22,631 Second mortgages 15,607 0 337 15,944 Equity lines of credit 46,426 0 100 46,526 Total mortgage loans on real estate 436,083 9,457 12,428 457,968 Commercial loans 42,303 1,251 2,146 45,700 Consumer loans 48,371 0 83 48,454 Other 21,353 0 0 21,353 Total $ 548,110 $ 10,708 $ 14,657 $ 573,475 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 As of March 31, 2016 and December 31, 2015, the Company did not have any loans internally classified as Loss or Doubtful.
Past Due Loans	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 March 31, 2016 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 $ 912 $ 267 $ 207 $ 1,386 $ 95,087 $ 96,473 $ 0 Commercial 1,712 30 2,334 4,076 272,318 276,394 20 Construction 0 0 162 162 22,469 22,631 162 Second mortgages 57 0 156 213 15,731 15,944 0 Equity lines of credit 25 0 0 25 46,501 46,526 0 Total mortgage loans on real estate 2,706 297 2,859 5,862 452,106 457,968 182 Commercial loans 455 43 142 640 45,060 45,700 0 Consumer loans 1,359 688 2,903 4,950 43,504 48,454 2,903 Other 38 3 7 48 21,305 21,353 7 Total $ 4,558 $ 1,031 $ 5,911 $ 11,500 $ 561,975 $ 573,475 $ 3,092 (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 and interest amounts that are 97 - 98% guaranteed by the federal government. The past due principal portion of these guaranteed loans totaled $4.7 million at March 31, 2016. 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 and interest amounts that are 97 - 98% guaranteed by the federal government. The past due principal portion of these guaranteed loans totaled $5.7 million at December 31, 2015. Although the portion of the student loan portfolio that is 90 days or more past due would normally be considered impaired, the Company does not include these loans in its impairment analysis due to the government guarantee (which includes both principal and interest) and the small size of the individual loans.
Nonaccrual Loans	The following table presents loans in nonaccrual status by class of loan as of the dates indicated: Nonaccrual Loans by Class March 31, 2016 December 31, 2015 (in thousands) Mortgage loans on real estate Residential 1-4 family $ 1,343 $ 1,457 Commercial 4,701 2,623 Second mortgages 156 226 Total mortgage loans on real estate 6,200 4,306 Commercial loans 257 276 Total $ 6,457 $ 4,582
Interest income that would have been recorded under original loan terms	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: Three Months Ended March 31, 2016 2015 (in thousands) Interest income that would have been recorded under original loan terms $ 85 $ 73 Actual interest income recorded for the period 38 63 Reduction in interest income on nonaccrual loans $ 47 $ 10
Troubled Debt Restructurings by Class	The following table presents TDRs during the period indicated, by class of loan. There were no troubled debts restructured in the first quarter of 2015. Troubled Debt Restructurings by Class For the Three Months Ended March 31, 2016 (dollars in thousands) Number of Modifications Recorded Investment Prior to Modification Recorded Investment After Modification Current Investment on March 31, 2016 Commercial loans 1 $ 152 $ 152 $ 115
Defaulting Troubled Debt Restructurings	The following table presents TDRs during the period indicated, by class of loan. There were no troubled debts restructured in the first quarter of 2015. Troubled Debt Restructurings by Class For the Three Months Ended March 31, 2016 (dollars in thousands) Number of Modifications Recorded Investment Prior to Modification Recorded Investment After Modification Current Investment on March 31, 2016 Commercial loans 1 $ 152 $ 152 $ 115 In the first quarters of 2016 and 2015, there were no defaulting TDRs 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.
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 March 31, 2016 For the three months ended March 31, 2016 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 $ 2,812 $ 1,853 $ 816 $ 96 $ 2,702 $ 32 Commercial 10,155 6,139 3,187 588 9,307 66 Construction 98 0 98 35 98 1 Second mortgages 531 486 0 0 524 10 Total mortgage loans on real estate $ 13,596 $ 8,478 $ 4,101 $ 719 $ 12,631 $ 109 Commercial loans 435 257 0 0 266 2 Consumer loans 11 11 0 0 12 0 Total $ 14,042 $ 8,746 $ 4,101 $ 719 $ 12,909 $ 111 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
Allowance for loan losses by segment	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 Three Months Ended March 31, 2016 Commercial Real Estate - Construction Real Estate - Mortgage Consumer Other Total Allowance for Loan Losses: Balance at the beginning of period $ 633 $ 985 $ 5,628 $ 279 $ 213 $ 7,738 Charge-offs 0 0 (16 ) (73 ) (34 ) (123 ) Recoveries 7 3 7 8 12 37 Provision for loan losses 11 145 (89 ) 57 26 150 Ending balance $ 651 $ 1,133 $ 5,530 $ 271 $ 217 $ 7,802 Ending balance individually evaluated for impairment $ 0 $ 35 $ 684 $ 0 $ 0 $ 719 Ending balance collectively evaluated for impairment 651 1,098 4,846 271 217 7,083 Ending balance $ 651 $ 1,133 $ 5,530 $ 271 $ 217 $ 7,802 Loan Balances: Ending balance individually evaluated for impairment $ 257 $ 98 $ 12,481 $ 11 $ 0 $ 12,847 Ending balance collectively evaluated for impairment 45,443 22,533 422,856 48,443 21,353 560,628 Ending balance $ 45,700 $ 22,631 $ 435,337 $ 48,454 $ 21,353 $ 573,475 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

Share-Based Compensation (Table

Share-Based Compensation (Tables)	3 Months Ended
	Mar. 31, 2016
Share-Based Compensation [Abstract]
Stock option plan activity	Stock option activity for the three months ended March 31, 2016 is summarized below: Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Aggregate Intrinsic Value (in thousands) Options outstanding, January 1, 2016 74,960 $ 20.05 Granted 0 0 Exercised 0 0 Canceled or expired (4,980 ) 20.05 Options outstanding, March 31, 2016 69,980 $ 20.05 1.54 $ 0 Options exercisable, March 31, 2016 69,980 $ 20.05 1.54 $ 0

Pension Plan (Tables)

Pension Plan (Tables)	3 Months Ended
	Mar. 31, 2016
Pension Plan [Abstract]
Components of net periodic plan cost	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 will be added to the plan. The components of net periodic pension plan cost are as follows for the periods indicated: Three months ended March 31, 2016 2015 (in thousands) Interest cost $ 70 $ 66 Expected return on plan assets (98 ) (89 ) Amortization of net loss 140 99 Net periodic pension plan cost $ 112 $ 76

Stockholders' Equity and Earn24

Stockholders' Equity and Earnings per Common Share (Tables)	3 Months Ended
	Mar. 31, 2016
Stockholders' Equity and Earnings Per Common Share [Abstract]
Amounts reclassified out of accumulated other comprehensive income (loss), by category	The following table presents information on amounts reclassified out of accumulated other comprehensive loss, by category, during the periods indicated: Three Months Ended March 31, Affected Line Item on 2016 2015 Consolidated Statement of Income Available-for-sale securities Realized gains on sales of securities $ 509 $ 0 Gain on sale of available-for-sale securities, net Tax expense 173 0 Income tax expense $ 336 $ 0 Net of tax
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 Securities Unrealized Losses on Securities Transferred to Held-to-Maturity Defined Benefit Pension Plans Accumulated Other Comprehensive Loss (in thousands) Three Months Ended March 31, 2016 Balance at beginning of period $ (576 ) $ 0 $ (2,586 ) $ (3,162 ) Net change for the period 515 0 0 515 Balance at end of period $ (61 ) $ 0 $ (2,586 ) $ (2,647 ) Three Months Ended March 31, 2015 Balance at beginning of period $ (78 ) $ (3,386 ) $ (2,429 ) $ (5,893 ) Net change for the period 91 141 0 232 Balance at end of period $ 13 $ (3,245 ) $ (2,429 ) $ (5,661 )
Component of other comprehensive income on a pre-tax and after-tax	The following table presents the change in each component of accumulated other comprehensive loss on a pre-tax and after-tax basis for the periods indicated. Three Months Ended March 31, 2016 Pretax Tax Net-of-Tax (in thousands) Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 1,289 $ 438 $ 851 Reclassification adjustment for gains recognized in income (509 ) (173 ) (336 ) Net unrealized gains on securities 780 265 515 Total change in accumulated other comprehensive loss $ 780 $ 265 $ 515 Three Months Ended March 31, 2015 Pretax Tax Net-of-Tax (in thousands) Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 138 $ 47 $ 91 Unrealized losses on securities transferred from available-for-sale to held-to-maturity: Amortization 214 73 141 Net change $ 352 $ 120 $ 232

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	3 Months Ended
	Mar. 31, 2016
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 March 31, 2016 Using Balance Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Available-for-sale securities U.S. Treasury securities $ 19,999 $ 0 $ 19,999 $ 0 Obligations of U.S. Government agencies 4,022 0 4,022 0 Obligations of state and political subdivisions 72,992 0 72,992 0 Mortgage-backed securities 93,419 0 93,419 0 Money market investments 511 0 511 0 Corporate bonds 3,411 0 3,411 0 Other marketable equity securities 100 0 100 0 Total available-for-sale securities $ 194,454 $ 0 $ 194,454 $ 0 Fair Value Measurements at December 31, 2015 Using Balance Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Available-for-sale securities 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
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. Carrying Value at March 31, 2016 Using Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Impaired loans Mortgage loans on real estate: Residential 1-4 family $ 652 $ 0 $ 0 $ 652 Commercial 434 0 0 434 Construction 98 0 0 98 Total $ 1,184 $ 0 $ 0 $ 1,184 Other real estate owned Residential 1-4 family $ 548 $ 0 $ 0 $ 548 Commercial 605 0 0 605 Construction 1,090 0 0 1,090 Total $ 2,243 $ 0 $ 0 $ 2,243 Carrying Value at December 31, 2015 Using Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) 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
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 Fair Value at March 31, 2016 (dollars in thousands) Valuation Techniques Unobservable Input Range (Weighted Average) Impaired loans Residential 1-4 family real estate $ 652 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Commercial real estate $ 434 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Construction $ 98 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Other real estate owned Residential 1-4 family $ 548 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Commercial $ 605 Market comparables Selling costs 7.25 % Liquidation discount 4.00% - 36.86% (23.26 %) Construction $ 1,090 Market comparables Selling costs 6.72 % Liquidation discount 33.05 % Quantitative Information About Level 3 Fair Value Measurements Fair Value at December 31, 2015 (dollars in thousands) Valuation Techniques Unobservable Input Range (Weighted 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 %
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 March 31, 2016 Using Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Assets Cash and cash equivalents $ 13,260 $ 13,260 $ 0 $ 0 Securities available-for-sale 194,454 0 194,454 0 Restricted securities 970 0 970 0 Loans, net of allowances for loan losses 565,673 0 0 566,618 Bank-owned life insurance 24,626 0 24,626 0 Accrued interest receivable 2,937 0 2,937 0 Liabilities Deposits $ 724,679 $ 0 $ 725,141 $ 0 Overnight repurchase agreements 31,778 0 31,778 0 Accrued interest payable 220 0 220 0 Fair Value Measurements at December 31, 2015 Using Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Assets Cash and cash equivalents $ 36,990 $ 36,990 $ 0 $ 0 Securities available-for-sale 214,192 0 214,192 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 Federal Home Loan Bank advances 25,000 0 25,501 0 Accrued interest payable 241 0 241 0

Segment Reporting (Tables)

Segment Reporting (Tables)	3 Months Ended
	Mar. 31, 2016
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 three months ended March 31, 2016 and 2015 follows: Three Months Ended March 31, 2016 Bank Trust Parent Eliminations Consolidated (in thousands) Revenues Interest and dividend income $ 7,351 $ 14 $ 1,146 $ (1,146 ) $ 7,365 Income from fiduciary activities 0 901 0 0 901 Other income 2,503 276 50 (65 ) 2,764 Total operating income 9,854 1,191 1,196 (1,211 ) 11,030 Expenses Interest expense 719 0 0 0 719 Provision for loan losses 150 0 0 0 150 Salaries and employee benefits 4,362 678 114 0 5,154 Other expenses 3,615 261 126 (65 ) 3,937 Total operating expenses 8,846 939 240 (65 ) 9,960 Income before taxes 1,008 252 956 (1,146 ) 1,070 Income tax expense (benefit) 28 86 (65 ) 0 49 Net income $ 980 $ 166 $ 1,021 $ (1,146 ) $ 1,021 Capital expenditures $ 367 $ 4 $ 0 $ 0 $ 371 Total assets $ 851,716 $ 5,865 $ 94,236 $ (94,970 ) $ 856,847 Three Months Ended March 31, 2015 Bank Trust Parent Eliminations Consolidated (in thousands) Revenues Interest and dividend income $ 7,491 $ 13 $ 1,268 $ (1,268 ) $ 7,504 Income from fiduciary activities 0 980 0 0 980 Other income 2,051 261 50 (65 ) 2,297 Total operating income 9,542 1,254 1,318 (1,333 ) 10,781 Expenses Interest expense 893 0 0 0 893 Provision for loan losses 275 0 0 0 275 Salaries and employee benefits 4,309 627 113 0 5,049 Other expenses 3,035 236 32 (65 ) 3,238 Total operating expenses 8,512 863 145 (65 ) 9,455 Income before taxes 1,030 391 1,173 (1,268 ) 1,326 Income tax expense (benefit) 20 133 (32 ) 0 121 Net income $ 1,010 $ 258 $ 1,205 $ (1,268 ) $ 1,205 Capital expenditures $ 955 $ 18 $ 0 $ 0 $ 973 Total assets $ 882,771 $ 5,848 $ 89,543 $ (90,484 ) $ 887,678 The accounting policies of the segments are the same as those described in the summary of significant accounting policies reported in the Company's 2015 annual report on Form 10-K. 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.

Securities (Details)

Securities (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2016USD ($)Security	Dec. 31, 2015USD ($)Security
Amortized cost and fair value of securities held-to-maturity [Abstract]
Securities held-to-maturity, fair value	$ 0	$ 0
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized Cost	194,547	215,064
Gross Unrealized Gains	1,179	1,328
Gross Unrealized Losses	(1,272)	(2,200)
Securities available-for-sale, at fair value	194,454	214,192
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	341	897
More Than Twelve Months	931	1,303
Total	1,272	2,200
Securities Available-for-Sale, Fair Value [Abstract]
Less than Twelve Months	37,245	69,065
More Than Twelve Months	69,067	52,381
Total	$ 106,312	$ 121,446
Available-for-sale securities with continuous unrealized loss position, number of securities [Abstract]
Cause	caused by increases in market interest rates.
Number of Securities | Security	41	45
US Treasury securities [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized Cost	$ 19,999	$ 0
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Securities available-for-sale, at fair value	19,999	0
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	0	0
More Than Twelve Months	0	0
Total	0	0
Securities Available-for-Sale, Fair Value [Abstract]
Less than Twelve Months	0	0
More Than Twelve Months	0	0
Total	$ 0	$ 0
Available-for-sale securities with continuous unrealized loss position, number of securities [Abstract]
Number of Securities | Security	0	0
Obligations of U.S. Government agencies [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized Cost	$ 4,071	$ 24,353
Gross Unrealized Gains	1	1
Gross Unrealized Losses	(50)	(114)
Securities available-for-sale, at fair value	4,022	24,240
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	0	0
More Than Twelve Months	50	114
Total	50	114
Securities Available-for-Sale, Fair Value [Abstract]
Less than Twelve Months	0	0
More Than Twelve Months	3,721	3,940
Total	$ 3,721	$ 3,940
Available-for-sale securities with continuous unrealized loss position, number of securities [Abstract]
Number of Securities | Security	2	2
Obligations of states and political subdivisions [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized Cost	$ 71,958	$ 77,223
Gross Unrealized Gains	1,161	1,323
Gross Unrealized Losses	(127)	(113)
Securities available-for-sale, at fair value	72,992	78,433
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	87	42
More Than Twelve Months	40	71
Total	127	113
Securities Available-for-Sale, Fair Value [Abstract]
Less than Twelve Months	5,432	4,177
More Than Twelve Months	3,043	3,545
Total	$ 8,475	$ 7,722
Available-for-sale securities with continuous unrealized loss position, number of securities [Abstract]
Number of Securities | Security	15	13
Mortgage-backed securities [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized Cost	$ 94,511	$ 109,360
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(1,092)	(1,964)
Securities available-for-sale, at fair value	93,419	107,396
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	254	848
More Than Twelve Months	838	1,116
Total	1,092	1,964
Securities Available-for-Sale, Fair Value [Abstract]
Less than Twelve Months	31,813	62,698
More Than Twelve Months	61,606	44,698
Total	$ 93,419	$ 107,396
Available-for-sale securities with continuous unrealized loss position, number of securities [Abstract]
Number of Securities | Security	18	13
Money market investments [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized Cost	$ 511	$ 631
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Securities available-for-sale, at fair value	511	631
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Total	0	0
Corporate bonds [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized Cost	3,397	3,397
Gross Unrealized Gains	17	4
Gross Unrealized Losses	(3)	(8)
Securities available-for-sale, at fair value	3,411	3,393
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	0	6
More Than Twelve Months	3	2
Total	3	8
Securities Available-for-Sale, Fair Value [Abstract]
Less than Twelve Months	0	2,091
More Than Twelve Months	697	198
Total	$ 697	$ 2,289
Available-for-sale securities with continuous unrealized loss position, number of securities [Abstract]
Number of Securities | Security	6	16
Common Stock [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized Cost	$ 100	$ 100
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	(1)
Securities available-for-sale, at fair value	100	99
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	0	1
More Than Twelve Months	0	0
Total	0	1
Securities Available-for-Sale, Fair Value [Abstract]
Less than Twelve Months	0	99
More Than Twelve Months	0	0
Total	$ 0	$ 99
Available-for-sale securities with continuous unrealized loss position, number of securities [Abstract]
Number of Securities | Security	0	1

Loans and the Allowance for L28

Loans and the Allowance for Loan Losses (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 573,475	$ 568,475
Less: Allowance for loan losses	(7,802)	(7,738)
Loans, net of allowance and deferred fees	565,673	560,737
Bank overdrafts	618	648
Loans and Leases Receivable, Deferred Income, Total	414	407
Total Mortgage Loans on Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	457,968	456,844
Residential 1-4 Family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	96,473	96,997
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	276,394	277,758
Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	22,631	19,685
Second Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	15,944	15,148
Equity Line of Credit [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	46,526	47,256
Commercial Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	45,700	43,197
Consumer Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	48,454	50,427
Other [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 21,353	$ 18,007

Loans and the Allowance for L29

Loans and the Allowance for Loan Losses, Credit Quality (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	$ 573,475	$ 568,475
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	548,110	545,854
OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	10,708	7,861
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	14,657	14,760
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	0	0
Total Mortgage Loans on Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	457,968	456,844
Total Mortgage Loans on Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	436,083	437,252
Total Mortgage Loans on Real Estate [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	9,457	7,394
Total Mortgage Loans on Real Estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	12,428	12,198
Total Mortgage Loans on Real Estate [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	0	0
Residential 1-4 Family [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	96,473	96,997
Residential 1-4 Family [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	94,015	94,576
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	2,458	2,421
Residential 1-4 Family [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	0	0
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	276,394	277,758
Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	258,317	261,749
Commercial [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	9,457	7,394
Commercial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	8,620	8,615
Commercial [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	22,631	19,685
Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	21,718	18,931
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	913	754
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	15,944	15,148
Second Mortgages [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	15,607	14,835
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	337	313
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	46,526	47,256
Equity Line of Credit [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	46,426	47,161
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	100	95
Equity Line of Credit [Member] | 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	45,700	43,197
Commercial Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	42,303	40,268
Commercial Loans [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	1,251	467
Commercial Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	2,146	2,462
Commercial Loans [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	0	0
Consumer Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	48,454	50,427
Consumer Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	48,371	50,327
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	83	100
Consumer Loans [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	0	0
Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	21,353	18,007
Other [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	21,353	18,007
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	$ 0

Loans and the Allowance for L30

Loans and the Allowance for Loan Losses, Past Due (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Loans, Aging [Abstract]
Ending balance		$ 573,475		$ 568,475
Recorded Investment > 90 Days Past Due and Accruing		3,092		3,356
Financing Receivable, Recorded Investment, Current	[1]	561,975		557,894
Financing Receivable, Recorded Investment, Past Due		11,500		10,581
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		6,457		4,582
Interest income that would have been recorded under original loan terms [Abstract]
Interest income that would have been recorded under original loan terms		85	$ 73
Actual interest income recorded for the period		38	63
Reduction in interest income on non accrual loans		47	$ 10
Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		4,558		4,164
Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		1,031		2,553
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		5,911		3,864
Total Mortgage Loans on Real Estate [Member]
Loans, Aging [Abstract]
Ending balance		457,968		456,844
Recorded Investment > 90 Days Past Due and Accruing		182		23
Financing Receivable, Recorded Investment, Current	[1]	452,106		453,342
Financing Receivable, Recorded Investment, Past Due		5,862		3,502
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		6,200		4,306
Total Mortgage Loans on Real Estate [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		2,706		1,927
Total Mortgage Loans on Real Estate [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		297		1,112
Total Mortgage Loans on Real Estate [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		2,859		463
Residential 1-4 Family [Member]
Loans, Aging [Abstract]
Ending balance		96,473		96,997
Recorded Investment > 90 Days Past Due and Accruing		0		0
Financing Receivable, Recorded Investment, Current	[1]	95,087		95,371
Financing Receivable, Recorded Investment, Past Due		1,386		1,626
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		1,343		1,457
Residential 1-4 Family [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		912		309
Residential 1-4 Family [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		267		1,042
Residential 1-4 Family [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		207		275
Commercial [Member]
Loans, Aging [Abstract]
Ending balance		276,394		277,758
Recorded Investment > 90 Days Past Due and Accruing		20		23
Financing Receivable, Recorded Investment, Current	[1]	272,318		276,438
Financing Receivable, Recorded Investment, Past Due		4,076		1,320
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		4,701		2,623
Commercial [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		1,712		1,266
Commercial [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		30		31
Commercial [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		2,334		23
Construction [Member]
Loans, Aging [Abstract]
Ending balance		22,631		19,685
Recorded Investment > 90 Days Past Due and Accruing		162		0
Financing Receivable, Recorded Investment, Current	[1]	22,469		19,524
Financing Receivable, Recorded Investment, Past Due		162		161
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		0		0
Construction [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		0		161
Construction [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		0		0
Construction [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		162		0
Second Mortgages [Member]
Loans, Aging [Abstract]
Ending balance		15,944		15,148
Recorded Investment > 90 Days Past Due and Accruing		0		0
Financing Receivable, Recorded Investment, Current	[1]	15,731		14,923
Financing Receivable, Recorded Investment, Past Due		213		225
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		156		226
Second Mortgages [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		57		21
Second Mortgages [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		0		39
Second Mortgages [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		156		165
Equity Line of Credit [Member]
Loans, Aging [Abstract]
Ending balance		46,526		47,256
Recorded Investment > 90 Days Past Due and Accruing		0		0
Financing Receivable, Recorded Investment, Current	[1]	46,501		47,086
Financing Receivable, Recorded Investment, Past Due		25		170
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		0		0
Equity Line of Credit [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		25		170
Equity Line of Credit [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		0		0
Equity Line of Credit [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		0		0
Commercial Loans [Member]
Loans, Aging [Abstract]
Ending balance		45,700		43,197
Recorded Investment > 90 Days Past Due and Accruing		0		164
Financing Receivable, Recorded Investment, Current	[1]	45,060		42,377
Financing Receivable, Recorded Investment, Past Due		640		820
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		257		276
Commercial Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		455		500
Commercial Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		43		88
Commercial Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		142		232
Consumer Loans [Member]
Loans, Aging [Abstract]
Ending balance		48,454		50,427
Recorded Investment > 90 Days Past Due and Accruing		2,903		3,163
Financing Receivable, Recorded Investment, Current	[1]	43,504		44,241
Financing Receivable, Recorded Investment, Past Due		4,950		6,186
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		0		0
Consumer Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		1,359		1,673
Consumer Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		688		1,350
Consumer Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		2,903		3,163
Other [Member]
Loans, Aging [Abstract]
Ending balance		21,353		18,007
Recorded Investment > 90 Days Past Due and Accruing		7		6
Financing Receivable, Recorded Investment, Current	[1]	21,305		17,934
Financing Receivable, Recorded Investment, Past Due		48		73
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		0		0
Other [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		38		64
Other [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		3		3
Other [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		7		6
Guaranteed Student Loans [Member]
Loans, Aging [Abstract]
Financing Receivable, Recorded Investment, Past Due		$ 4,745		$ 5,662
[1]	For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due.

Loans and the Allowance for L31

Loans and the Allowance for Loan Losses, Troubled Debt Restructuring (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2016USD ($)ContractModification	Mar. 31, 2015USD ($)ContractModification	Dec. 31, 2015USD ($)
Financing Receivable, Modifications [Line Items]
Number of Modifications | Modification	1	0
Recorded Investment Prior to Modification	$ 152	$ 0
Recorded Investment After Modification	152	0
Current Investment	115	0
Principal forgiveness on all loans	0	0
Recorded Investment in Defaulting Loans	0	0
Unfunded Commitments on TDRs	0	0	$ 0
Mortgage Loans in Foreclosure Process, Amount	$ 53	$ 99	$ 53
Interest Rate Below Market Reduction [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Contract	1	0
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	0	0
Commercial Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Modification	1
Recorded Investment Prior to Modification	$ 152
Recorded Investment After Modification	152
Current Investment	$ 115

Loans and the Allowance for L32

Loans and the Allowance for Loan Losses, Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2016	Dec. 31, 2015
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	$ 14,042	$ 14,173
Without Valuation Allowance	8,746	8,414
With Valuation Allowance	4,101	4,636
Associated Allowance	719	798
Average Recorded Investment	12,909	13,573
Interest Income Recognized	111	660
Total Mortgage Loans on Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	13,596	13,831
Without Valuation Allowance	8,478	8,195
With Valuation Allowance	4,101	4,568
Associated Allowance	719	790
Average Recorded Investment	12,631	12,608
Interest Income Recognized	109	631
Residential 1-4 Family [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	2,812	2,994
Without Valuation Allowance	1,853	1,530
With Valuation Allowance	816	1,261
Associated Allowance	96	146
Average Recorded Investment	2,702	2,267
Interest Income Recognized	32	132
Commercial [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	10,155	10,203
Without Valuation Allowance	6,139	6,166
With Valuation Allowance	3,187	3,208
Associated Allowance	588	608
Average Recorded Investment	9,307	9,305
Interest Income Recognized	66	473
Construction [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	98	99
Without Valuation Allowance	0	0
With Valuation Allowance	98	99
Associated Allowance	35	36
Average Recorded Investment	98	465
Interest Income Recognized	1	5
Second Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	531	535
Without Valuation Allowance	486	499
With Valuation Allowance	0	0
Associated Allowance	0	0
Average Recorded Investment	524	571
Interest Income Recognized	10	21
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
Commercial Loans [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	435	330
Without Valuation Allowance	257	207
With Valuation Allowance	0	68
Associated Allowance	0	8
Average Recorded Investment	266	952
Interest Income Recognized	2	28
Consumer Loans [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	11	12
Without Valuation Allowance	11	12
With Valuation Allowance	0	0
Associated Allowance	0	0
Average Recorded Investment	12	13
Interest Income Recognized	0	1
Other [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 L33

Loans and the Allowance for Loan Losses, Activity In Period (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015	Mar. 31, 2016	Dec. 31, 2015
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	$ 7,738	$ 7,075	$ 7,075
Charges-offs	(123)		(897)
Recoveries	37		535
Provision for loan losses	150	275	1,025
Ending balance	7,802		7,738
Ending balances individually evaluated for impairment				$ 719	$ 798
Ending balances collectively evaluated for impairment				7,083	6,940
Ending balance	7,738	7,075	7,738	7,802	7,738
Loan Balances [Abstract]
Ending balance individually evaluated for impairment				12,847	13,050
Ending balance collectively evaluated for impairment				560,628	555,425
Ending balance				573,475	568,475
Commercial [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	633	595	595
Charges-offs	0		(293)
Recoveries	7		50
Provision for loan losses	11		281
Ending balance	651		633
Ending balances individually evaluated for impairment				0	8
Ending balances collectively evaluated for impairment				651	625
Ending balance	633	595	595	651	633
Loan Balances [Abstract]
Ending balance individually evaluated for impairment				257	275
Ending balance collectively evaluated for impairment				45,443	42,922
Ending balance				45,700	43,197
Real Estate - Construction [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	985	703	703
Charges-offs	0		0
Recoveries	3		1
Provision for loan losses	145		281
Ending balance	1,133		985
Ending balances individually evaluated for impairment				35	36
Ending balances collectively evaluated for impairment				1,098	949
Ending balance	985	703	985	1,133	985
Loan Balances [Abstract]
Ending balance individually evaluated for impairment				98	99
Ending balance collectively evaluated for impairment				22,533	19,586
Ending balance				22,631	19,685
Real Estate - Mortgage [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	5,628	5,347	5,347
Charges-offs	(16)		(321)
Recoveries	7		393
Provision for loan losses	(89)		209
Ending balance	5,530		5,628
Ending balances individually evaluated for impairment				684	754
Ending balances collectively evaluated for impairment				4,846	4,874
Ending balance	5,628	5,347	5,628	5,530	5,628
Loan Balances [Abstract]
Ending balance individually evaluated for impairment				12,481	12,664
Ending balance collectively evaluated for impairment				422,856	424,495
Ending balance				435,337	437,159
Consumer [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	279	219	219
Charges-offs	(73)		(92)
Recoveries	8		39
Provision for loan losses	57		113
Ending balance	271		279
Ending balances individually evaluated for impairment				0	0
Ending balances collectively evaluated for impairment				271	279
Ending balance	279	219	279	271	279
Loan Balances [Abstract]
Ending balance individually evaluated for impairment				11	12
Ending balance collectively evaluated for impairment				48,443	50,415
Ending balance				48,454	50,427
Other [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	213	211	211
Charges-offs	(34)		(191)
Recoveries	12		52
Provision for loan losses	26		141
Ending balance	217		213
Ending balances individually evaluated for impairment				0	0
Ending balances collectively evaluated for impairment				217	213
Ending balance	$ 213	$ 211	$ 211	217	213
Loan Balances [Abstract]
Ending balance individually evaluated for impairment				0	0
Ending balance collectively evaluated for impairment				21,353	18,007
Ending balance				$ 21,353	$ 18,007

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits (Details) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2016USD ($)Fund	Mar. 31, 2015USD ($)	Dec. 31, 2016USD ($)	Dec. 31, 2015USD ($)Fund
Investments in Affordable Housing Projects [Abstract]
Affordable Housing Program, Number of Investments | Fund	4			4
Amortization Method Qualified Affordable Housing Project Investments	$ 4,112			$ 4,185
Qualified Affordable Housing Project Investments, Commitment	2,961			$ 2,961
Affordable Housing Investment Commitments, Term Expiration Year			2,032
Expected Affordable Housing Tax Credits, Amount			$ 405
Affordable Housing Tax Credits and Other Tax Benefits, Amount	$ 126	$ 118

Share-Based Compensation (Detai

Share-Based Compensation (Details)	3 Months Ended
	Mar. 31, 2016USD ($)$ / sharesshares
Share-Based Compensation [Abstract]
Options maximum term period	10 years
Shares [Roll Forward]
Options outstanding, beginning of period (in shares) | shares	74,960
Granted (in shares) | shares	0
Exercised (in shares) | shares	0
Canceled or expired (in shares) | shares	(4,980)
Options outstanding, end of period (in shares) | shares	69,980
Options exercisable, end of period (in shares) | shares	69,980
Weighted Average Exercise Price [Roll Forward]
Options outstanding, beginning of period (in dollars per share) | $ / shares	$ 20.05
Granted (in dollars per share) | $ / shares	0
Exercised (in dollars per share) | $ / shares	0
Canceled or expired (in dollars per share) | $ / shares	20.05
Options outstanding, end of period (in dollars per share) | $ / shares	20.05
Options exercisable, end of period (in dollars per share) | $ / shares	$ 20.05
Weighted Average Remaining Contractual Life (in years) [Abstract]
Options outstanding, end of period	1 year 6 months 14 days
Options exercisable, end of period	1 year 6 months 14 days
Aggregate Intrinsic Value [Abstract]
Options outstanding, end of period | $	$ 0
Options exercisable, end of period | $	0
Unrecognized compensation expense related to nonvested options | $	$ 0

Pension Plan (Details)

Pension Plan (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Components of net periodic pension cost [Abstract]
Interest cost	$ 70	$ 66
Expected return on plan assets	(98)	(89)
Amortization of net loss	140	99
Net Periodic Pension Plan Cost	$ 112	$ 76

Stockholders' Equity and Earn37

Stockholders' Equity and Earnings per Common Share (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Available-for-sale securities [Abstract]
Gain on sale of sale of available-for-sale securities, net	$ 509	$ 0
Tax benefit	173	0
Net income	336	0
Other comprehensive income, pretax [Abstract]
Unrealized holding gains (losses) arising during the period	1,289	138
Less reclassification adjustment for gains recognized in income	(509)	0
Net unrealized gains (losses) on securities	780	138
Amortization	0	214
Net effect of market adjustment on securities transferred to held-to-maturity	0	214
Total change in other comprehensive income or loss	780	352
Other comprehensive income tax expense (benefit) [Abstract]
Unrealized holding losses arising during the period	438	47
Tax effect	(173)	0
Net unrealized losses on securities	265	47
Amortization tax	0	73
Net effect of market adjustment on securities transferred to held-to-maturity	0	73
Other Comprehensive Income (Loss), Tax, Total	265	120
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Unrealized holding losses arising during the period	851	91
Other Comprehensive Income (Loss), Reclassification Adjustment for Sale of Securities Included in Net Income, Net of Tax	(336)	0
Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax	515	91
Amortization net of tax	0	141
Net effect of market adjustment on securities transferred to held-to-maturity	0	141
Other Comprehensive Income (Loss), Net of Tax, Total	$ 515	$ 232

Stockholders' Equity and Earn38

Stockholders' Equity and Earnings per Common Share, OCI by Component, Anti-Dilutive Securities (Details) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Unrealized Gains (Losses) on Securities [Abstract]
Accumulated Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax	$ (576)	$ (78)
Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax	515	91
Accumulated Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax	(61)	13
Other Comprehensive Income -- Available-for-Sale to Held-to-Maturity [Abstract]
Other Comprehensive Income -- Available-for-Sale to Held-to-Maturity Balance	0	(3,386)
Other Comprehensive Income -- Available-for-Sale to Held-to-Maturity Change	0	141
Other Comprehensive Income -- Available-for-Sale to Held-to-Maturity Balance	0	(3,245)
Defined Benefit Pension Plans [Abstract]
Accumulated Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Net of Tax	(2,586)	(2,429)
Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Adjustment, before Reclassification Adjustments, Net of Tax	0	0
Accumulated Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Net of Tax	(2,586)	(2,429)
Accumulated Other Comprehensive Income (Loss) [Abstract]
Accumulated Other Comprehensive Income (Loss), Net of Tax	(3,162)	(5,893)
Other Comprehensive Income (Loss), Net of Tax	515	232
Accumulated Other Comprehensive Income (Loss), Net of Tax	$ (2,647)	$ (5,661)
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)	70	78

Fair Value Measurements, Recurr

Fair Value Measurements, Recurring and Nonrecurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	$ 194,454	$ 214,192
US Treasury Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	19,999	0
US Government Agencies Debt Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	4,022	24,240
US States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	72,992	78,433
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	93,419	107,396
Money market investments [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	511	631
Corporate bond and other securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	3,411	3,393
Recurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	194,454	214,192
Recurring [Member] | US Treasury Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	19,999	0
Recurring [Member] | US Government Agencies Debt Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	4,022	24,240
Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	72,992	78,433
Recurring [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	93,419	107,396
Recurring [Member] | Money market investments [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	511	631
Recurring [Member] | Corporate bond and other securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	3,411	3,393
Recurring [Member] | Equity Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	100	99
Nonrecurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	1,184	1,281
Other Assets, Fair Value Disclosure	2,243	2,741
Nonrecurring [Member] | Total Mortgage Loans on real estate [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	1,184	1,281
Nonrecurring [Member] | Residential Mortgage [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	652	952
Nonrecurring [Member] | Commercial Real Estate [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	434	267
Nonrecurring [Member] | Construction Loans [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	98	62
Nonrecurring [Member] | Foreclosed Assets, Commercial [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Other Assets, Fair Value Disclosure	605	927
Nonrecurring [Member] | Foreclosed Assets, Construction [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Other Assets, Fair Value Disclosure	1,090	1,090
Nonrecurring [Member] | Foreclosed Assets, Residential 1 to 4 Family [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Other Assets, Fair Value Disclosure	548	724
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | US Treasury Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | US Government Agencies Debt Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Money market investments [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Corporate bond and other securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Equity Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Other Assets, Fair Value Disclosure	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Total Mortgage Loans on real estate [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Residential Mortgage [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Commercial Real Estate [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Construction Loans [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Foreclosed Assets, Commercial [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Other Assets, Fair Value Disclosure	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Foreclosed Assets, Construction [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Other Assets, Fair Value Disclosure	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Foreclosed Assets, Residential 1 to 4 Family [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Other Assets, Fair Value Disclosure	0	0
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	194,454	214,192
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | US Treasury Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	19,999	0
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | US Government Agencies Debt Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	4,022	24,240
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	72,992	78,433
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	93,419	107,396
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Money market investments [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	511	631
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Corporate bond and other securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	3,411	3,393
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Equity Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	100	99
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Other Assets, Fair Value Disclosure	0	0
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Total Mortgage Loans on real estate [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Residential Mortgage [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Commercial Real Estate [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Construction Loans [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Foreclosed Assets, Commercial [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Other Assets, Fair Value Disclosure	0	0
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Foreclosed Assets, Construction [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Other Assets, Fair Value Disclosure	0	0
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Foreclosed Assets, Residential 1 to 4 Family [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Other Assets, Fair Value Disclosure	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | US Treasury Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | US Government Agencies Debt Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Money market investments [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Corporate bond and other securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Equity Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale, at fair value	0	0
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	1,184	1,281
Other Assets, Fair Value Disclosure	2,243	2,741
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Total Mortgage Loans on real estate [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	1,184	1,281
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Residential Mortgage [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	652	952
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Commercial Real Estate [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	434	267
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Construction Loans [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	98	62
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Foreclosed Assets, Commercial [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Other Assets, Fair Value Disclosure	605	927
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Foreclosed Assets, Construction [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Other Assets, Fair Value Disclosure	1,090	1,090
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Foreclosed Assets, Residential 1 to 4 Family [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Other Assets, Fair Value Disclosure	$ 548	$ 724

Fair Value Measurements (Detail

Fair Value Measurements (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2016	Dec. 31, 2015
Carrying Value [Member]
Financial assets [Abstract]
Cash and Cash Equivalents	$ 13,260	$ 36,990
Securities available-for-sale, at fair value	194,454	214,192
Restricted securities	970	2,016
Loans, net of allowances for loan losses	565,673	560,737
Bank owned life insurance	24,626	24,411
Accrued Interest Receivable	2,937	3,059
Financial liabilities [Abstract]
Deposits	724,679	746,471
Overnight repurchase agreements	31,778	25,950
Federal Home Loan Bank advances		25,000
Accrued interest payable	220	241
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Financial assets [Abstract]
Cash and Cash Equivalents	13,260	36,990
Securities available-for-sale, at fair value	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
Federal Home Loan Bank advances		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, at fair value	194,454	214,192
Restricted securities	970	2,016
Loans, net of allowances for loan losses	0	0
Bank owned life insurance	24,626	24,411
Accrued Interest Receivable	2,937	3,059
Financial liabilities [Abstract]
Deposits	725,141	746,740
Overnight repurchase agreements	31,778	25,950
Federal Home Loan Bank advances		25,501
Accrued interest payable	220	241
Significant Unobservable Inputs (Level 3) [Member]
Financial assets [Abstract]
Cash and Cash Equivalents	0	0
Securities available-for-sale, at fair value	0	0
Restricted securities	0	0
Loans, net of allowances for loan losses	566,618	559,488
Bank owned life insurance	0	0
Accrued Interest Receivable	0	0
Financial liabilities [Abstract]
Deposits	0	0
Overnight repurchase agreements	0	0
Federal Home Loan Bank advances		0
Accrued interest payable	0	0
Securities available-for-sale, at fair value	194,454	214,192
Securities held-to-maturity	0	0
Residential Mortgage [Member] | Market Comparables [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 652	$ 952
Residential Mortgage [Member] | Market Comparables [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Estimated Selling Costs	7.25%	7.25%
Liquidation Discount	4.00%	0.00%
Residential Mortgage [Member] | Market Comparables [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Estimated Selling Costs	7.25%	7.25%
Liquidation Discount	4.00%	4.00%
Residential Mortgage [Member] | Market Comparables [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Estimated Selling Costs	7.25%	7.25%
Liquidation Discount	4.00%	3.75%
Commercial Real Estate [Member] | Market Comparables [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 434	$ 267
Commercial Real Estate [Member] | Market Comparables [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Estimated Selling Costs	7.25%	7.25%
Liquidation Discount	4.00%	4.00%
Commercial Real Estate [Member] | Market Comparables [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Estimated Selling Costs	7.25%	7.25%
Liquidation Discount	4.00%	4.00%
Commercial Real Estate [Member] | Market Comparables [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Estimated Selling Costs	7.25%	7.25%
Liquidation Discount	4.00%	4.00%
Construction Loans [Member] | Market Comparables [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 98	$ 62
Construction Loans [Member] | Market Comparables [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Estimated Selling Costs	7.25%	7.25%
Liquidation Discount	4.00%	4.00%
Construction Loans [Member] | Market Comparables [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Estimated Selling Costs	7.25%	7.25%
Liquidation Discount	4.00%	4.00%
Construction Loans [Member] | Market Comparables [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Estimated Selling Costs	7.25%	7.25%
Liquidation Discount	4.00%	4.00%
Second Mortgage [Member] | Market Comparables [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 0	$ 0
Second Mortgage [Member] | Market Comparables [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Estimated Selling Costs	0.00%	0.00%
Liquidation Discount	0.00%	0.00%
Second Mortgage [Member] | Market Comparables [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Estimated Selling Costs	0.00%	0.00%
Liquidation Discount	0.00%	0.00%
Second Mortgage [Member] | Market Comparables [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Estimated Selling Costs	0.00%	0.00%
Liquidation Discount	0.00%	0.00%
Foreclosed Assets, Residential 1-4 Family [Member] | Market Comparables [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 548	$ 724
Foreclosed Assets, Residential 1-4 Family [Member] | Market Comparables [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Estimated Selling Costs	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]
Estimated Selling Costs	7.25%	7.25%
Liquidation Discount	4.00%	7.17%
Foreclosed Assets, Residential 1-4 Family [Member] | Market Comparables [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Estimated Selling Costs	7.25%	7.25%
Liquidation Discount	4.00%	4.79%
Foreclosed Assets, Commercial [Member] | Market Comparables [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 605	$ 927
Foreclosed Assets, Commercial [Member] | Market Comparables [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Estimated Selling Costs	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]
Estimated Selling Costs	7.25%	7.25%
Liquidation Discount	36.86%	24.70%
Foreclosed Assets, Commercial [Member] | Market Comparables [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Estimated Selling Costs	7.25%	7.25%
Liquidation Discount	23.26%	11.77%
Foreclosed Assets, Construction [Member] | Market Comparables [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 1,090	$ 1,090
Foreclosed Assets, Construction [Member] | Market Comparables [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Estimated Selling Costs	6.72%	6.72%
Liquidation Discount	33.05%	33.05%
Foreclosed Assets, Construction [Member] | Market Comparables [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Estimated Selling Costs	6.72%	6.72%
Liquidation Discount	33.05%	33.05%
Foreclosed Assets, Construction [Member] | Market Comparables [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Estimated Selling Costs	6.72%	6.72%
Liquidation Discount	33.05%	33.05%

Segment Reporting (Details)

Segment Reporting (Details) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2016USD ($)Segment	Mar. 31, 2015USD ($)	Dec. 31, 2015USD ($)
Segment Reporting [Abstract]
Number of operating segments | Segment	3
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	$ 7,365	$ 7,504
Income from fiduciary activities	901	980
Other income	2,764	2,297
Total operating income	11,030	10,781
Expenses
Interest expense	719	893
Provision for loan losses	150	275	$ 1,025
Salaries and employee benefits	5,154	5,049
Other expenses	3,937	3,238
Total operating expenses	9,960	9,455
Income before income taxes	1,070	1,326
Income tax expense (benefit)	49	121
Net income	1,021	1,205
Property, Plant and Equipment, Additions	371	973
Total assets	856,847	887,678	$ 896,787
Bank [Member]
Revenues
Interest and dividend income	7,351	7,491
Income from fiduciary activities	0	0
Other income	2,503	2,051
Total operating income	9,854	9,542
Expenses
Interest expense	719	893
Provision for loan losses	150	275
Salaries and employee benefits	4,362	4,309
Other expenses	3,615	3,035
Total operating expenses	8,846	8,512
Income before income taxes	1,008	1,030
Income tax expense (benefit)	28	20
Net income	980	1,010
Property, Plant and Equipment, Additions	367	955
Total assets	851,716	882,771
Trust [Member]
Revenues
Interest and dividend income	14	13
Income from fiduciary activities	901	980
Other income	276	261
Total operating income	1,191	1,254
Expenses
Interest expense	0	0
Provision for loan losses	0	0
Salaries and employee benefits	678	627
Other expenses	261	236
Total operating expenses	939	863
Income before income taxes	252	391
Income tax expense (benefit)	86	133
Net income	166	258
Property, Plant and Equipment, Additions	4	18
Total assets	5,865	5,848
Unconsolidated Parent [Member]
Revenues
Interest and dividend income	1,146	1,268
Income from fiduciary activities	0	0
Other income	50	50
Total operating income	1,196	1,318
Expenses
Interest expense	0	0
Provision for loan losses	0	0
Salaries and employee benefits	114	113
Other expenses	126	32
Total operating expenses	240	145
Income before income taxes	956	1,173
Income tax expense (benefit)	(65)	(32)
Net income	1,021	1,205
Property, Plant and Equipment, Additions	0	0
Total assets	94,236	89,543
Eliminations [Member]
Revenues
Interest and dividend income	(1,146)	(1,268)
Income from fiduciary activities	0	0
Other income	(65)	(65)
Total operating income	(1,211)	(1,333)
Expenses
Interest expense	0	0
Provision for loan losses	0	0
Salaries and employee benefits	0	0
Other expenses	(65)	(65)
Total operating expenses	(65)	(65)
Income before income taxes	(1,146)	(1,268)
Income tax expense (benefit)	0	0
Net income	(1,146)	(1,268)
Property, Plant and Equipment, Additions	0	0
Total assets	$ (94,970)	$ (90,484)