Old Point Financial (OPOF) 10-K 15 Mar 17 2016 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2016	Mar. 10, 2017	Jun. 30, 2016
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			$ 66,676,665
Entity Common Stock, Shares Outstanding		4,975,417
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	FY
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2016

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Assets
Cash and due from banks	$ 21,885	$ 33,514
Interest-bearing due from banks	1,667	1,064
Federal funds sold	2,302	2,412
Cash and cash equivalents	25,854	36,990
Securities available-for-sale, at fair value	199,365	214,192
Securities held-to-maturity	0	0
Restricted securities	970	2,016
Loans, net of allowance for loan losses	595,637	560,737
Premises and equipment, net	39,324	41,282
Bank-owned life insurance	25,206	24,411
Foreclosed assets, net of valuation allowance	1,067	2,741
Other assets	15,543	14,418
Total Assets	902,966	896,787
Deposits:
Noninterest-bearing deposits	228,641	215,090
Savings deposits	344,452	321,370
Time deposits	211,409	210,011
Total deposits	784,502	746,471
Overnight repurchase agreements	18,704	25,950
Federal Home Loan Bank advances	0	25,000
Accrued expenses and other liabilities	5,770	6,190
Total liabilities	808,976	803,611
Commitments and contingencies
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 4,959,009 and 4,959,009 shares issued and outstanding	24,806	24,795
Additional paid-in capital	16,427	16,392
Retained earnings	56,965	55,151
Accumulated other comprehensive loss, net	(4,208)	(3,162)
Total stockholders' equity	93,990	93,176
Total liabilities and stockholders' equity	$ 902,966	$ 896,787

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Assets
Securities held-to-maturity, fair value	$ 0	$ 0
Allowance for loan losses	8,245	7,738
Foreclosed assets, valuation allowance	$ 1,026	$ 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)	4,961,258	4,959,009
Common stock, shares outstanding (in shares)	4,961,258	4,959,009

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Interest and Dividend Income:
Interest and fees on loans	$ 26,322	$ 25,972
Interest on due from banks	48	15
Interest on federal funds sold	6	2
Interest on securities:
Taxable	1,802	2,510
Tax-exempt	1,535	1,663
Dividends and interest on all other securities	113	133
Total interest and dividend income	29,826	30,295
Interest Expense:
Interest on savings deposits	227	227
Interest on time deposits	2,116	2,144
Interest on federal funds purchased, securities sold under agreements to repurchase and other borrowings	25	30
Interest on Federal Home Loan Bank advances	206	1,231
Total interest expense	2,574	3,632
Net interest income	27,252	26,663
Provision for loan losses	1,930	1,025
Net interest income, after provision for loan losses	25,322	25,638
Noninterest Income:
Income from fiduciary activities	3,560	3,617
Service charges on deposit accounts	4,052	4,021
Other service charges, commissions and fees	3,940	4,084
Income from bank owned-life insurance	795	885
Gain on sale of available-for-sale securities, net	522	76
Other operating income	597	453
Total noninterest income	13,466	13,136
Noninterest Expense:
Salaries and employee benefits	19,878	20,747
Occupancy and equipment	5,575	5,330
Data processing	1,620	1,625
FDIC insurance	483	586
Customer development	612	584
Legal and audit expense	1,315	720
Other outside service fees	807	693
Employee professional development	659	591
Postage and courier expense	0	0
Stationary and supplies	0	0
Capital stock tax	505	439
ATM and check losses	477	452
Prepayment fee on Federal Home Loan Bank Advance	391	0
Loss on write-down/sale of foreclosed assets	154	957
Other operating expense	2,355	2,362
Total noninterest expense	34,831	35,086
Income before income taxes	3,957	3,688
Income tax expense	160	54
Net income	$ 3,797	$ 3,634
Basic Earnings per Share:
Average shares outstanding (in shares)	4,959,173	4,959,009
Net income per share of common stock (in dollars per share)	$ 0.77	$ 0.73
Diluted Earnings per Share:
Average shares outstanding (in shares)	4,960,934	4,959,009
Net income per share of common stock (in dollars per share)	$ 0.77	$ 0.73

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Consolidated Statement of Comprehensive Income [Abstract]
Net income	$ 3,797	$ 3,634
Other comprehensive income (loss)
Net unrealized gains (losses) on available-for-sale securities	(1,163)	(498)
Net change in unrealized losses on securities transferred from available-for-sale to held-to-maturity	0	3,386
Net change in defined benefit plan assets and benefit obligations	117	(157)
Other comprehensive income, net of tax (total)	(1,046)	2,731
Comprehensive income	$ 2,751	$ 6,365

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
Beginning Balance at Dec. 31, 2014	$ 24,795	$ 16,392	$ 53,203	$ (5,893)	$ 88,497
Beginning Balance (in shares) at Dec. 31, 2014	4,959,009
Comprehensive income:
Net income	$ 0	0	3,634	0	3,634
Other comprehensive income, net of tax	0	0	0	2,731	2,731
Cash dividends	0	0	(1,686)	0	(1,686)
Ending Balance at Dec. 31, 2015	$ 24,795	16,392	55,151	(3,162)	$ 93,176
Ending Balance (in shares) at Dec. 31, 2015	4,959,009				4,959,009
Comprehensive income:
Net income	$ 0	0	3,797	0	$ 3,797
Other comprehensive income, net of tax	0	0	0	(1,046)	(1,046)
Stock Issued During Period, Value, Stock Options Exercised	$ 6	19	0	0	$ 25
Exercise of stock options (in shares)	1,250				1,250
Stock Issued During Period, Value, Employee Stock Purchase Plan	$ 5	16	0	0	$ 21
Stock Issued During Period, Shares, Employee Stock Purchase Plans	999
Cash dividends	$ 0	0	(1,983)	0	(1,983)
Ending Balance at Dec. 31, 2016	$ 24,806	$ 16,427	$ 56,965	$ (4,208)	$ 93,990
Ending Balance (in shares) at Dec. 31, 2016	4,961,258				4,961,258

Consolidated Statements of Cha7

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Consolidated Statements of Changes in Stockholders' Equity [Abstract]
Cash dividends (in dollars per share)	$ 0.40	$ 0.34

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 3,797	$ 3,634
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	2,725	2,543
Provision for loan losses	1,930	1,025
Net gain on sale of available-for-sale securities	(522)	(76)
Net amortization of securities	2,196	2,188
Net loss on disposal of premises and equipment	(3)	6
Net loss on write-down/sale of other real estate owned	154	957
Income from bank owned life insurance	(795)	(885)
Deferred tax benefit	(19)	(227)
Increase in other assets	(567)	(3,969)
Increase in other liabilities	(243)	3,637
Pension Contributions	0	(1,000)
Net cash provided by operating activities	8,653	7,833
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of available-for-sale securities	(151,204)	(104,103)
Proceeds from redemption (cash used in purchases) of restricted securities	1,046	277
Proceeds from maturities and calls of available-for-sale securities	43,660	80,790
Proceeds from maturities and calls of held-to-maturity securities	0	300
Proceeds from sales of available-for-sale securities	107,647	23,005
Paydowns on available-for-sale securities	11,288	9,353
Paydowns on held-to-maturity securities	0	8,161
Purchases of government-guaranteed student loans	0	(14,315)
Net increase in all other loans (including repayments on student loans)	(36,830)	(19,081)
Proceeds from sales of other real estate owned	1,699	1,956
Foreclosed Assets Other Additions	(52)	0
Purchases of premises and equipment	(891)	(1,756)
Net cash used in investing activities	(23,637)	(15,413)
CASH FLOWS FROM FINANCING ACTIVITIES
Increase in noninterest-bearing deposits	13,551	28,810
Increase in savings deposits	23,082	14,292
Increase (decrease) in time deposits	1,398	(13,285)
Decrease in federal funds purchased, repurchase agreements and other borrowings, net	(7,246)	(11,866)
Proceeds from Federal Home Loan Bank Borrowings	55,000	20,000
Decrease in Federal Home Loan Bank advances	(80,000)	(25,000)
Proceeds from Issuance of Common Stock	46	0
Cash dividends paid on common stock	(1,983)	(1,686)
Net cash provided by financing activities	3,848	11,265
Net increase (decrease) in cash and cash equivalents	(11,136)	3,685
Cash and cash equivalents at beginning of period	36,990	33,305
Cash and cash equivalents at end of period	25,854	36,990
Cash payments for:
Interest	2,587	3,646
Income tax	0	200
SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS
Unrealized loss on securities available-for-sale	(1,762)	(755)
Loans transferred to foreclosed assets	0	553
Former bank building transferred from fixed assets to other real estate owned	127	0
(Increase) decrease in pension liability	177	(237)
Securities transferred from held-to-maturity to available-for-sale	0	85,555
Unamortized losses on transfer date on securities transferred from available-for-sale to held-to-maturity, eliminated upon transfer back to available-for-sale	0	4,197
Amortization of unrealized loss on securities transferred to held-to-maturity	$ 0	$ 934

Significant Accounting Policies

Significant Accounting Policies	12 Months Ended
	Dec. 31, 2016
Significant Accounting Policies [Abstract]
Significant Accounting Policies	NOTE 1, Significant Accounting Policies PRINCIPLES OF CONSOLIDATION The Consolidated Financial Statements include the accounts of Old Point Financial Corporation (the Company) and its wholly-owned subsidiaries, The Old Point National Bank of Phoebus (the Bank) and Old Point Trust & Financial Services N.A. (Trust). All significant intercompany balances and transactions have been eliminated in consolidation. The Company consolidates subsidiaries in which it holds, directly or indirectly, more than 50 percent of the voting rights or where it exercises control. Entities where the Company holds 20 to 50 percent of the voting rights, or has the ability to exercise significant influence, or both, are accounted for under the equity method. As discussed below, the Company consolidates entities deemed to be variable interest entities (VIEs) when it is determined to be the primary beneficiary. NATURE OF OPERATIONS Old Point Financial Corporation is a holding company that conducts substantially all of its operations through two subsidiaries, The Old Point National Bank of Phoebus and Old Point Trust & Financial Services, N.A. The Bank serves individual and commercial customers, the majority of which are in Hampton Roads, Virginia. As of December 31, 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. In addition, as specified in VIE accounting guidance (FASB ASC 810-10-25-38), a VIE must be consolidated by the Company if it is deemed to be the primary beneficiary of the VIE, which is the party involved with the VIE that will absorb a majority of the expected losses, receive a majority of the expected residual returns, or both. At this time, the Company has no VIEs that are consolidated. The Company does have an interest in one VIE, Old Point Mortgage, LLC (Old Point Mortgage), which is not consolidated because the Company has determined that it is not the primary beneficiary. On January 13, 2017, the Bank entered into a membership interest purchase agreement (the Purchase Agreement) with TMSI to purchase TMSI's 51% interest in Old Point Mortgage. Upon completion of the purchase, the Bank will be the sole member of Old Point Mortgage. The purchase is expected to be completed on or before May 1, 2017. USE OF ESTIMATES In preparing Consolidated Financial Statements in conformity with U.S. GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated balance sheet and reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, other-than-temporary impairment of securities, the valuation allowance on other real estate owned and the determination of defined benefit obligations. SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK Most of the Company's activities are with customers located within the Hampton Roads region. The types of securities that the Company invests in are included in Note 3. The types of lending that the Company engages in are included in Note 4. The Company has significant concentrations in the following industries: construction, lessors of real estate, activities related to real estate, ambulatory health care and religious organizations. The Company does not have any significant concentrations to any one customer. At December 31, 2016 and 2015, there were $308.5 million and $297.4 million, or 51.09% and 52.32%, respectively, of total loans concentrated in commercial real estate. Commercial real estate for purposes of this note includes all construction loans, loans secured by multifamily residential properties, loans secured by farmland and loans secured by nonfarm, nonresidential properties. CASH AND CASH EQUIVALENTS For purposes of the consolidated statements of cash flows, cash and cash equivalents includes cash and balances due from banks and federal funds sold, all of which mature within 90 days. INTEREST-BEARING DEPOSITS IN BANKS Interest-bearing deposits in banks mature within one year and are carried at cost. SECURITIES Certain debt securities that management has the positive intent and ability to hold until maturity are classified as "held-to-maturity" and recorded at amortized cost. Securities not classified as held-to-maturity, including equity securities with readily determinable fair values, are classified as "available-for-sale" and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. The Company evaluates securities for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. The Company employs a systematic methodology that considers available evidence in evaluating potential impairment of its investments. In the event that the cost of an investment exceeds its fair value, the Company evaluates, among other factors, the magnitude and duration of the decline in fair value; the expected cash flows of the securities; the financial health of and business outlook for the issuer; the performance of the underlying assets for interests in securitized assets; and the Company's intent and ability to hold the investment. Once a decline in fair value is determined to be other-than-temporary, an impairment charge is recorded in investment income and a new cost basis in the investment is established. FEDERAL HOME LOAN BANK STOCK The Company, as a member of the Federal Home Loan Bank of Atlanta (FHLB), is required to maintain an investment in the capital stock of the FHLB. Based on the redemption provisions of the FHLB, the stock has no quoted market value, is carried at cost and is listed as a restricted security. The Company reviews its holdings for impairment based on the ultimate recoverability of the cost basis in the FHLB stock. LOANS The Company extends loans to individual consumers and commercial customers for various purposes. Most of the Company's loans are secured by real estate, including real estate construction loans and real estate mortgage loans (i.e., residential 1-4 family mortgages, commercial real estate loans, second mortgages and equity lines of credit). Other loans are secured by collateral that is not real estate, which may include inventory, accounts receivable, equipment or other personal property. A substantial portion of the loan portfolio is represented by real estate mortgage loans throughout Hampton Roads. The ability of the Company's debtors to honor their contracts is dependent in part upon the real estate and general economic conditions in this area. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for unearned income, the allowance for loan losses and any unamortized deferred fees or costs on originated loans. For loans amortized at cost, interest income is accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, as well as premiums and discounts, are deferred and amortized as a level yield adjustment over the respective term of the loan. The accrual of interest on commercial loans (including construction loans and commercial loans secured and not secured by real estate) is generally discontinued at the time the loan is 90 days past due unless the credit is well-secured and in the process of collection. Consumer loans not secured by real estate and consumer real estate secured loans (i.e., residential 1-4 family mortgages, second mortgages and equity lines of credit) are generally placed on nonaccrual status when payments are 120 days past due. Past due status is based on the contractual terms of the loan, and loans are considered past due when a payment of principal and/or interest is due but not paid. Regular payments not received within the payment cycle are considered to be 30, 60, or 90 or more days past due accordingly. In all cases, loans are placed on nonaccrual status or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not collected for loans that are placed on nonaccrual status or charged off is reversed against interest income. The interest on these loans is accounted for on the cash basis or cost recovery method, until qualifying for return to accrual. Loans are generally returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured, or when the borrower has resumed paying the full amount of the scheduled contractual interest and principal payments for at least six months. ALLOWANCE FOR LOAN LOSSES The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management's periodic review of the collectibility of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower's ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired, such as a loan that is considered a TDR (discussed in detail below). These loans are excluded from pooled loss forecasts and a separate reserve is provided under the accounting guidance for loan impairment. All loans, including consumer loans, whose terms have been modified in a TDR are also individually analyzed for estimated impairment. Impairment is measured on a loan-by-loan basis for construction loans and commercial loans (i.e., commercial mortgage loans on real estate and commercial loans not secured by real estate) by either the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's obtainable market price, or the fair value of the collateral if the loan is collateral dependent. For those loans that are classified as impaired, an allowance is established when the discounted value of expected future cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower's prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. The general component covers loans that are not classified as impaired. Loans collectively evaluated for impairment are pooled, with a historical loss rate, based on migration analysis, applied to each pool, segmented by risk grade or days past due, depending on the type of loan. Based on credit risk assessments and management's analysis of qualitative factors, additional loss factors are applied to loan balances. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and consumer loans secured by real estate (i.e., residential 1-4 family mortgages, second mortgages and equity lines of credit) for impairment disclosures, unless the terms of such loans have been modified in a TDR due to financial difficulties of the borrower. LOAN CHARGE-OFF POLICIES Loans are generally fully charged off or partially charged down to the fair value of collateral securing the asset when: · Management determines the asset to be uncollectible; · Repayment is deemed to be protracted beyond reasonable time frames; · The asset has been classified as a loss by either the internal loan review process or external examiners; · The borrower has filed for bankruptcy protection and the loss becomes evident due to a lack of borrower assets; or · The loan is 120 days or more past due unless the loan is both well secured and in the process of collection. TROUBLED DEBT RESTRUCTURINGS In situations where, for economic or legal reasons related to a borrower's financial difficulties, management grants a concession for other than an insignificant period of time to the borrower that would not otherwise be considered, the related loan is classified as a TDR. Management strives to identify borrowers in financial difficulty before their loans reach nonaccrual status and works with them to grant appropriate concessions, if necessary, and modify their loans to more affordable terms. These modified terms could include reduction in the interest rate below current market rates for borrowers with similar risk profiles, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. In cases where borrowers are granted new terms that provide for a reduction of either interest or principal, management measures any impairment on the restructuring as noted above for impaired loans. The Company had $11.9 million and $11.2 million in loans classified as TDRs as of December 31, 2016 and 2015, respectively. TRANSFERS OF FINANCIAL ASSETS Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company (i.e., put presumptively beyond the reach of the transferor and its creditors, even in bankruptcy or other receivership); (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets. OTHER REAL ESTATE OWNED (OREO) Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance (direct write-downs) are included in net expenses from foreclosed assets. BANK-OWNED LIFE INSURANCE The Company owns insurance on the lives of a certain group of key employees. The policies were purchased to help offset the increase in the costs of various benefit plans. The cash surrender value of these policies is included as an asset on the consolidated balance sheets, and the increase in cash surrender value is recorded as noninterest income on the consolidated statements of income. In the event of the death of an insured individual under these policies, the Company would receive a death benefit payment. Any excess in the amount received over the recorded cash surrender value would be recorded as other income on the consolidated statements of income. PREMISES AND EQUIPMENT Land is carried at cost. Buildings and equipment are stated at cost, less accumulated depreciation and amortization computed on the straight-line method over the estimated useful lives of the assets. Buildings and equipment are depreciated over their estimated useful lives ranging from 3 to 39 years; leasehold improvements are amortized over the lives of the respective leases or the estimated useful life of the leasehold improvement, whichever is less. Software is amortized over its estimated useful life ranging from 3 to 5 years. OFF-BALANCE SHEET CREDIT RELATED FINANCIAL INSTRUMENTS In the ordinary course of business, the Company has entered into commitments to extend credit, including commitments under commercial letters of credit and lines of credit. Such financial instruments are recorded when they are funded. PENSION PLAN The Company has a non-contributory defined benefit pension plan, which was frozen by the Company in 2006. Benefits for participants will remain frozen in the plan until such time as further action occurs. No additional participants will be added to the plan. The compensation cost of the pension plan is recognized on the projected unit credit method. The aggregate cost method is utilized for funding purposes. STOCK COMPENSATION PLANS Stock compensation accounting guidance (FASB ASC 718, "Compensation -- Stock Compensation") requires that the compensation cost related to share-based payment transactions be recognized in financial statements. That cost will be measured based on the grant date fair value of the equity or liability instruments issued. The stock compensation accounting guidance covers a wide range of share-based compensation arrangements including stock options, restricted share plans, performance-based awards, share appreciation rights and employee share purchase plans. The stock compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over the employees' service period, generally defined as the vesting period. For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. A Black Scholes model is used to estimate the fair value of the stock options, while the market price of the Company's common stock at the date of grant is used for restricted stock awards. INCOME TAXES The Company accounts for income taxes in accordance with income tax accounting guidance (FASB ASC 740, "Income Taxes"). The Company adopted the accounting guidance related to accounting for uncertainty in income taxes, which sets out a consistent framework to determine the appropriate level of tax reserves to maintain for uncertain tax positions. Income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability or balance sheet method. Under this method, the net deferred tax asset or liability is based on the tax effects of the difference between the book and tax basis of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more-likely-than-not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more-likely-than-not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management's judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more-likely-than-not that some portion or all of a deferred tax asset will not be realized. The Company recognizes interest and penalties on income taxes as a component of income tax expense. No uncertain tax positions were recorded in 2016 or 2015. EARNINGS PER COMMON SHARE Basic earnings per share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during the period. Diluted earnings per share reflects additional potential common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate to outstanding stock options and shares to be issued as part of the employee stock purchase plan and are determined using the treasury stock method. TRUST ASSETS AND INCOME Securities and other property held by Trust in a fiduciary or agency capacity are not assets of the Company and are not included in the accompanying Consolidated Financial Statements. ADVERTISING EXPENSES Advertising expenses are expensed as incurred. Advertising expense for the years ended 2016 and 2015 was $273 thousand and $217 thousand, respectively. COMPREHENSIVE INCOME Comprehensive income consists of net income and other comprehensive income (loss). Other comprehensive income (loss) includes unrealized gains and losses on securities available-for-sale, unrealized losses on securities transferred from available-for-sale to held-to-maturity, and unrealized losses related to changes in the funded status of the pension plan which are also recognized as separate components of equity. FAIR VALUE OF FINANCIAL INSTRUMENTS Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 16. Fair value estimates involve uncertainties and matters of significant judgment. Changes in assumptions or in market conditions could significantly affect the estimates. RECENT ACCOUNTING PRONOUNCEMENTS In 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) Require 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) Require public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes. 3) Require separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (i.e., securities or loans and receivables). 4) Eliminate 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. During June 2016, the FASB issued ASU No. 2016-13, "Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments". The amendments in this ASU, among other things, require the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. In addition, the ASU amends the accounting for credit losses on available-for-sale debt secur

Restrictions on Cash and Amount

Restrictions on Cash and Amounts Due from Banks	12 Months Ended
	Dec. 31, 2016
Restrictions on Cash and Amounts Due from Banks [Abstract]
Restrictions on Cash and Amounts Due from Banks	NOTE 2, Restrictions on Cash and Amounts Due from Banks The Company is required to maintain average balances on hand or with the Federal Reserve Bank. At December 31, 2016 and 2015, the Company had no balance requirements on any of its accounts. The Company had approximately $9.9 million and $25.2 million in deposits in financial institutions in excess of amounts insured by the FDIC at December 31, 2016 and December 31, 2015, respectively.

Securities Portfolio

Securities Portfolio	12 Months Ended
	Dec. 31, 2016
Securities Portfolio [Abstract]
Securities Portfolio	NOTE 3, Securities Portfolio The Company had no held-to-maturity-securities at December 31, 2016 or December 31, 2015 due to a decision in February of 2016 to transfer the portfolio to available-for-sale to allow for greater liquidity and flexibility in the future. Although the decision was made after December 31, 2015, the transfer was effective dated back to year-end as the primary difference between held-to-maturity and available-for-sale is management's intent to hold the securities to maturity. The transfer in 2016 demonstrated a change in management's intent as of year-end. As a result of the decision to transfer securities from held-to-maturity to available-for-sale, management will not be able to classify any securities as held-to-maturity until 2018. The amortized cost and fair value, with gross unrealized gains and losses, of securities available-for-sale were: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (in thousands) December 31, 2016 U.S. Treasury securities $ 20,000 $ 0 $ 0 $ 20,000 Obligations of U.S. Government agencies 9,361 0 (166 ) 9,195 Obligations of state and political subdivisions 78,645 358 (1,016 ) 77,987 Mortgage-backed securities 85,649 18 (1,973 ) 83,694 Money market investments 647 0 0 647 Corporate bonds and other securities 7,598 92 (12 ) 7,678 Other marketable equity securities 100 64 0 164 Total $ 202,000 $ 532 $ (3,167 ) $ 199,365 December 31, 2015 U.S. Treasury securities $ 0 $ 0 $ 0 $ 0 Obligations of U.S. Government agencies 24,353 1 (114 ) 24,240 Obligations of state and political subdivisions 77,223 1,323 (113 ) 78,433 Mortgage-backed securities 109,360 0 (1,964 ) 107,396 Money market investments 631 0 0 631 Corporate bonds and other securities 3,397 4 (8 ) 3,393 Other marketable equity securities 100 0 (1 ) 99 Total $ 215,064 $ 1,328 $ (2,200 ) $ 214,192 Securities with a fair value of $72.9 million and $119.8 million at December 31, 2016 and 2015, respectively, were pledged to secure public deposits, securities sold under agreements to repurchase, FHLB advances and for other purposes required or permitted by law. At December 31, 2016, the Company held no securities of any single issuer (excluding U.S. Government agencies) with a book value that exceeded 10 percent of stockholders' equity. The amortized cost and fair value of securities by contractual maturity are shown below. December 31, 2016 Available-for-Sale Amortized Cost Fair Value (in thousands) Due in one year or less $ 21,801 $ 21,800 Due after one year through five years 18,471 18,435 Due after five years through ten years 48,840 48,217 Due after ten years 112,141 110,102 Total debt securities 201,253 198,554 Other securities without stated maturities 747 811 Total securities $ 202,000 $ 199,365 The following table provides information about securities sold in the years ended December 31: 2016 2015 (in thousands) Proceeds from sales $ 107,647 $ 23,005 Gross realized gains $ 578 $ 76 Gross realized losses $ 56 $ 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 and is recognized in other comprehensive income. The present value of expected future cash flows is determined using the best-estimate cash flows discounted at the effective interest rate implicit to the security at the date of purchase or the current yield to accrete an asset-backed or floating rate security. The methodology and assumptions for establishing the best-estimate cash flows vary depending on the type of security. The asset-backed securities cash flow estimates are based on bond specific facts and circumstances that may include collateral characteristics, expectations of delinquency and default rates, loss severity and prepayment speeds, and structural support, including subordination and guarantees. The Company has a process in place to identify debt securities that could potentially have a credit or interest-rate related impairment that is other than temporary. This process involves monitoring late payments, pricing levels, downgrades by rating agencies, key financial ratios, financial statements, revenue forecasts, and cash flow projections as indicators of credit issues. On a quarterly basis, management reviews all securities to determine whether an other-than-temporary decline in value exists and whether losses should be recognized. Management considers relevant facts and circumstances in evaluating whether a credit or interest rate-related impairment of a security is other-than-temporary. Relevant facts and circumstances considered include: (a) the extent and length of time the fair value has been below cost; (b) the reasons for the decline in value; (c) the financial position and access to capital of the issuer, including the current and future impact of any specific events and (d) for fixed maturity securities, the Company's intent to sell a security or whether it is more-likely-than-not the Company will be required to sell the security before the recovery of its amortized cost which, in some cases, may extend to maturity and for equity securities, the Company's ability and intent to hold the security for a period of time that allows for the recovery in value. The Company has not recorded impairment charges on securities for the years ended December 31, 2016 and 2015. The following table shows the number of securities with unrealized losses, the gross unrealized losses and fair value of the Company's investments with unrealized losses that are deemed to be temporarily impaired, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, as of the dates indicated: December 31, 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 Obligations of U.S. Government agencies $ 166 $ 9,195 $ 0 $ 0 $ 166 $ 9,195 6 Obligations of state and political subdivisions 1,016 38,020 0 0 1,016 38,020 56 Mortgage-backed securities 1,973 80,680 0 0 1,973 80,680 23 Corporate bonds and other securities 11 1,787 1 100 12 1,887 13 Total securities available-for-sale $ 3,166 $ 129,682 $ 1 $ 100 $ 3,167 $ 129,782 98 December 31, 2015 Less Than Twelve Months More Than Twelve Months Total Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Number of Securities (dollars in thousands) Securities Available-for-Sale Obligations of U. S. Government agencies $ 0 $ 0 $ 114 $ 3,940 $ 114 $ 3,940 2 Obligations of state and political subdivisions 42 4,177 71 3,545 113 7,722 13 Mortgage-backed securities 848 62,698 1,116 44,698 1,964 107,396 13 Corporate bonds and other securities 6 2,091 2 198 8 2,289 16 Other marketable equity securities 1 99 0 0 1 99 1 Total securities available-for-sale $ 897 $ 69,065 $ 1,303 $ 52,381 $ 2,200 $ 121,446 45 Certain investments within the Company's portfolio had unrealized losses at December 31, 2016 and December 31, 2015, as shown in the tables above. The unrealized losses were caused by increases in market interest rates. The Company purchases only highly-rated securities, including U.S. government agencies and mortgage-backed securities guaranteed by government-sponsored entities. The municipal and corporate securities portfolios are reviewed regularly to ensure that ratings of individual securities have not deteriorated below the threshold established by the Company's policy. Because the Company does not intend to sell the investments and management believes it is unlikely that the Company will be required to sell the investments before recovery of their amortized cost basis, which may be maturity, the Company does not consider the investments to be other-than-temporarily impaired at December 31, 2016 or December 31, 2015. Restricted Securities The restricted security category is comprised of FHLB and Federal Reserve Bank stock. These stocks are classified as restricted securities because their ownership is restricted to certain types of entities and the securities lack a market. Therefore, FHLB and Federal Reserve Bank stock is carried at cost and evaluated for impairment. When evaluating these stocks for impairment, their value is determined based on the ultimate recoverability of the par value rather than by recognizing temporary declines in value. Restricted stock is viewed as a long-term investment and management believes that the Company has the ability and the intent to hold this stock until its value is recovered.

Loans and the Allowance for Loa

Loans and the Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2016
Loans and the Allowance for Loan Losses [Abstract]
Loans and the Allowance for Loan Losses	NOTE 4, Loans and the Allowance for Loan Losses The following is a summary of the balances in each class of the Company's loan portfolio as of the dates indicated: December 31, 2016 December 31, 2015 (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 94,827 $ 96,997 Commercial 285,429 277,758 Construction 23,116 19,685 Second mortgages 17,128 15,148 Equity lines of credit 51,024 47,256 Total mortgage loans on real estate 471,524 456,844 Commercial loans 54,434 43,197 Consumer loans 58,907 50,427 Other 19,017 18,007 Total loans 603,882 568,475 Less: Allowance for loan losses (8,245 ) (7,738 ) Loans, net of allowance and deferred fees (1) $ 595,637 $ 560,737 (1) Net deferred loan fees totaled $522 thousand and $407 thousand at December 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 $536 thousand and $648 thousand at December 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 December 31, 2016 Pass OAEM Substandard Total (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 92,458 $ 1,138 $ 1,231 $ 94,827 Commercial 260,948 10,014 14,467 285,429 Construction 22,219 162 735 23,116 Second mortgages 16,445 475 208 17,128 Equity lines of credit 50,387 500 137 51,024 Total mortgage loans on real estate 442,457 12,289 16,778 471,524 Commercial loans 49,979 2,278 2,177 54,434 Consumer loans 58,741 0 166 58,907 Other 19,017 0 0 19,017 Total $ 570,194 $ 14,567 $ 19,121 $ 603,882 Credit Quality Information As of December 31, 2015 Pass OAEM Substandard Total (in thousands) 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 December 31, 2016 and 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 December 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 $ 564 $ 0 $ 496 $ 1,060 $ 93,767 $ 94,827 $ 218 Commercial 2,280 1,625 227 4,132 281,297 285,429 0 Construction 162 0 0 162 22,954 23,116 0 Second mortgages 0 200 188 388 16,740 17,128 58 Equity lines of credit 394 9 86 489 50,535 51,024 0 Total mortgage loans on real estate 3,400 1,834 997 6,231 465,293 471,524 276 Commercial loans 5 0 86 91 54,343 54,434 0 Consumer loans 1,876 713 2,684 5,273 53,634 58,907 2,603 Other 41 12 5 58 18,959 19,017 5 Total $ 5,322 $ 2,559 $ 3,772 $ 11,653 $ 592,229 $ 603,882 $ 2,884 (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 $4.8 million at December 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. NONACCRUAL LOANS The Company generally places commercial loans (including construction loans and commercial loans secured and not secured by real estate) in nonaccrual status when the full and timely collection of interest or principal becomes uncertain, part of the principal balance has been charged off and no restructuring has occurred or the loan reaches 90 days past due, unless the credit is well-secured and in the process of collection. Under regulatory rules, consumer loans, which are loans to individuals for household, family and other personal expenditures, and consumer loans secured by real estate (including residential 1 - 4 family mortgages, second mortgages, and equity lines of credit) are not required to be placed in nonaccrual status. Although consumer loans and consumer loans secured by real estate are not required to be placed in nonaccrual status, the Company may elect to place these loans in nonaccrual status, if necessary to avoid a material overstatement of interest income. Generally, consumer loans secured by real estate are placed in nonaccrual status only when payments are 120 days past due. Generally, consumer loans not secured by real estate are placed in nonaccrual status only when part of the principal has been charged off. If a charge-off has not occurred sooner for other reasons, a consumer loan not secured by real estate will generally be placed in nonaccrual status when payments are 120 days past due. These loans are charged off or written down to the net realizable value of the collateral when deemed uncollectible, due to bankruptcy or other factors as discussed in the Loan Charge-Off Policies section of Note 1, or when they are past due based on loan product, industry practice, terms and other factors. When management places a loan in nonaccrual status, the accrued unpaid interest receivable is reversed against interest income and the loan is accounted for by the cash basis or cost recovery method, until it qualifies for return to accrual status or is charged off. Generally, loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured, or when the borrower has resumed paying the full amount of the scheduled contractual interest and principal payments for at least six months. The following table presents loans in nonaccrual status by class of loan as of the dates indicated: Nonaccrual Loans by Class December 31, 2016 December 31, 2015 (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 598 $ 1,457 Commercial 6,033 2,623 Second mortgages 129 226 Equity lines of credit 87 0 Total mortgage loans on real estate 6,847 4,306 Commercial loans 231 276 Consumer loans 81 0 Total $ 7,159 $ 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: Years Ended December 31, 2016 2015 (in thousands) Interest income that would have been recorded under original loan terms $ 318 $ 196 Actual interest income recorded for the period 269 141 Reduction in interest income on nonaccrual loans $ 49 $ 55 TROUBLED DEBT RESTRUCTURINGS The Company's loan portfolio includes certain loans classified as TDRs, where economic concessions have been granted to borrowers who are experiencing financial difficulties. These concessions typically result from the Company's loss mitigation activities and could include reduction in the interest rate below current market rates for borrowers with similar risk profiles, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. The Company defines a TDR as nonperforming if the TDR is in nonaccrual status or is 90 days or more past due and still accruing interest at the report date. When the Company modifies a loan, management evaluates any possible impairment as discussed further under Impaired Loans below. The following table presents TDRs during the period indicated, by class of loan: Troubled Debt Restructurings by Class For the Year Ended December 31, 2016 Number of Modifications Recorded Investment Prior to Modification Recorded Investment After Modification Current Investment on December 31, 2016 (dollars in thousands) Mortgage loans on real estate: Residential 1-4 family 6 $ 1,061 $ 1,061 $ 992 Commercial 1 150 150 0 Second mortgages 1 53 53 53 Equity lines of credit 1 93 93 86 Total mortgage loans on real estate 9 $ 1,357 $ 1,357 $ 1,131 Commercial loans 1 152 152 144 Consumer loans 2 8 8 0 Total 12 $ 1,517 $ 1,517 $ 1,275 Troubled Debt Restructurings by Class For the Year Ended December 31, 2015 Number of Modifications Recorded Investment Prior to Modification Recorded Investment After Modification Current Investment on December 31, 2015 (dollars in thousands) Mortgage loans on real estate: Commercial 5 $ 2,094 $ 2,594 $ 2,400 Construction 1 435 435 0 Second mortgages 1 61 61 61 Total 7 $ 2,590 $ 3,090 $ 2,461 All of the loans restructured in 2016 and 5 of the loans restructured in 2015 were given below-market rates for debt with similar risk characteristics. The remaining 2 loans restructured in 2015 were given terms not otherwise available to borrowers with similar risk characteristics. At December 31, 2016 and 2015, the Company had no outstanding commitments to disburse additional funds on any TDR. December 31, 2016 and 2015 In the years ended December 31, 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 the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Impaired loans include nonperforming loans and loans modified in a TDR. When management identifies a loan as impaired, the impairment is measured based on the present value of expected future cash flows, discounted at the loan's effective interest rate, except when the sole or remaining source of repayment for the loan is the operation or liquidation of the collateral. In these cases, management uses the current fair value of the collateral, less selling costs, when foreclosure is probable, instead of the discounted cash flows. If management determines that the value of the impaired loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), impairment is recognized through an allowance estimate or a charge-off to the allowance. When the ultimate collectability of the total principal of an impaired loan is in doubt and the loan is in nonaccrual status, all payments are applied to principal under the cost recovery method. For financial statement purposes, the recorded investment in the loan is the actual principal balance reduced by payments that would otherwise have been applied to interest. When reporting information on these loans to the applicable customers, the unpaid principal balance is reported as if payments were applied to principal and interest under the original terms of the loan agreements. Therefore, the unpaid principal balance reported to the customer would be higher than the recorded investment in the loan for financial statement purposes. When the ultimate collectability of the total principal of the impaired loan is not in doubt and the loan is in nonaccrual status, contractual interest is credited to interest income when received under the cash basis method. The following table includes the recorded investment and unpaid principal balances (a portion of which may have been charged off) for impaired loans with the associated allowance amount, if applicable, as of the dates presented. Also presented are the average recorded investments in the impaired loans and the related amount of interest recognized for the periods presented. The average balances are calculated based on daily average balances. Impaired Loans by Class As of December 31, 2016 For the Year Ended December 31, 2016 Recorded Investment Unpaid Principal Balance Without Valuation Allowance With Valuation Allowance Associated Allowance Average Recorded Investment Interest Income Recognized (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 2,496 $ 1,835 $ 622 $ 75 $ 2,741 $ 119 Commercial 16,193 11,095 4,274 415 11,885 727 Construction 619 528 96 22 496 43 Second mortgages 526 309 141 17 511 25 Equity lines of credit 87 86 0 0 46 3 Total mortgage loans on real estate $ 19,921 $ 13,853 $ 5,133 $ 529 $ 15,679 $ 917 Commercial loans 1,077 0 989 271 827 74 Consumer loans 81 81 0 0 68 1 Total $ 21,079 $ 13,934 $ 6,122 $ 800 $ 16,574 $ 992 Impaired Loans by Class 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 (in thousands) 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 migration analysis by risk grades are used as a component of the calculation of the allowance for loan losses. ALLOWANCE FOR LOAN LOSSES Management has an established methodology to determine the adequacy of the allowance for loan losses that assesses the risks and losses inherent in the loan portfolio. The Company segments the loans in the portfolio by the categories defined by Schedule RC-C of the Federal Financial Institutions Examination Council Consolidated Reports of Condition and Income Form 041 (Call Report). Loans are segmented into the following pools: commercial, real estate-construction, real estate-mortgage, consumer and other loans. The Company also sub-segments the real estate-mortgage segment into four classes: residential 1-4 family, commercial real estate, second mortgages and equity lines of credit. The Company uses an internally developed risk evaluation model in the estimation of the credit risk process. The model and assumptions used to determine the allowance are independently validated and reviewed to ensure that the theoretical foundation, assumptions, data integrity, computational processes and reporting practices are appropriate and properly documented. Each portfolio segment has risk characteristics as follows: · Commercial: Commercial loans carry risks associated with the successful operation of a business or project, in addition to other risks associated with the ownership of a business. The repayment of these loans may be dependent upon the profitability and cash flows of the business. In addition, there is risk associated with the value of collateral other than real estate which may depreciate over time and cannot be appraised with as much precision. · Real estate-construction: Construction loans carry risks that the project will not be finished according to schedule, the project will not be finished according to budget and the value of the collateral may at any point in time be less than the principal amount of the loan. Construction loans also bear the risk that the general contractor, who may or may not be the loan customer, may be unable to finish the construction project as planned because of financial pressure unrelated to the project. · Real estate-mortgage: Residential mortgage loans and equity lines of credit carry risks associated with the continued credit-worthiness of the borrower and changes in the value of the collateral. Commercial real estate loans carry risks associated with the successful operation of a business if owner occupied. If non-owner occupied, the repayment of these loans may be dependent upon the profitability and cash flow from rent receipts. · Consumer loans: Consumer loans carry risks associated with the continued credit-worthiness of the borrowers and the value of the collateral. Consumer loans are more likely than real estate loans to be immediately adversely affected by job loss, divorce, illness or personal bankruptcy. · Other loans: Other loans are loans to mortgage companies, loans for purchasing or carrying securities, and loans to insurance, investment and finance companies. These loans carry risks associated with the successful operation of a business. In addition, there is risk associated with the value of collateral other than real estate which may depreciate over time, depend on interest rates or fluctuate in active trading markets. Each segment of the portfolio is pooled by risk grade or by days past due. Loans not secured by real estate and made to individuals for household, family and other personal expenditures are segmented into pools based on days past due, while all other loans, including loans to consumers that are secured by real estate, are segmented by risk grades. A historical loss percentage is then calculated by migration analysis and applied to each pool. The migration analysis applied to all pools is able to track the risk grading and historical performance of individual loans throughout a number of periods set by management, which provides management with information regarding trends (or migrations) in a particular loan segment. At December 31, 2016 management used four twelve-quarter migration periods, and at December 31, 2015, m anagement used one twelve-quarter migration period. See Changes in Accounting Methodology below for details. THE COMPANY'S ESTIMATION PROCESS Loans are either individually evaluated for impairment or pooled with like loans and collectively evaluated for impairment. Also, various qualitative factors are applied to each segment of the loan portfolio. The allowance for loan losses is the accumulation of these components. Management's estimate is based on certain observable, historical data and other factors that management believes are most reflective of the underlying credit losses being estimated. Management provides an allocated component of the allowance for loans that are individually evaluated for impairment. An allocated allowance is established when the discounted value of expected future cash flows from the impaired loan (or the collateral value or observable market price of the impaired loan) is lower than the carrying value of that loan. This allocation represents the sum of management's estimated losses on each loan. Loans collectively evaluated for impairment are pooled, with a historical loss rate, based on migration analysis, applied to each pool, segmented by risk grade or days past due, depending on the type of loan. Based on credit risk assessments and management's analysis of qualitative factors, additional loss factors are applied to loan balances. These additional qualitative factors include: economic conditions, trends in growth, loan concentrations, changes in certain loans, changes in underwriting, changes in management and changes in the legal and regulatory environment. ALLOWANCE FOR LOAN LOSSES BY SEGMENT The total allowance reflects management's estimate of loan losses inherent in the loan portfolio at the balance sheet date. The Company considers the allowance for loan losses of $8.2 million adequate to cover loan losses inherent in the loan portfolio at December 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 Year Ended December 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 (915 ) 0 (504 ) (204 ) (147 ) (1,770 ) Recoveries 79 3 197 28 40 347 Provision for loan losses 1,696 (142 ) (54 ) 352 78 1,930 Ending balance 1,493 846 5,267 455 184 8,245 Ending balance individually evaluated for impairment 271 22 507 0 0 800 Ending balance collectively evaluated for impairment 1,222 824 4,760 455 184 7,445 Ending balance 1,493 846 5,267 455 184 8,245 Loan Balances: Ending balance individually evaluated for impairment 989 624 18,362 81 0 20,056 Ending balance collectively evaluated for impairment 53,445 22,492 430,046 58,826 19,017 583,826 Ending balance $ 54,434 $ 23,116 $ 448,408 $ 58,907 $ 19,017 $ 603,882 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 CHANGES IN ACCOUNTING METHODOLOGY Historical loss rates calculated by migration analysis are determined by the performance of a loan over a period of time (the migration period). This migration period can be lengthened or shortened based on management's assessment of the most appropriate length of time over which to analyze losses in the loan portfolio. The Company can also calculate multiple migration periods, allowing management to assess the migration of loans based on more than one starting point. In the third quarter of 2016, management made several changes to its method for calculating the allowance. These changes and the effects on the allowance for loan losses at December 31, 2016 are as follows:  The number of migration periods was changed from one to four. Each migration period remains at twelve quarters, the length of the migration period used by the Company in prior periods. This change decreased the provision for most categories of loans but increased it for construction loans. The net effect on the provision for loan losses as a result of this change was an increase of $77 thousand compared to the prior methodology.  The Company further sub-segmented its pool of consumer loans not secured by real estate to separate a pool of loans that share characteristics with each other that are not shared with other consumer loans. The new sub-segment is comprised of loans purchased from a single source for which management does not expect any charge-offs against the allowance. Accordingly, beginning with the third quarter of 2016, the historic loss factor does not apply to this group of loans. In addition, management determined that some of the qualitative factors that had previously been applied to these loans when they were grouped with all other consumer loans were no longer appropriate once these loans were separated into a new sub-segment. Creating this new sub-segment, which includes no anticipated losses, and applying the relevant qualitative factors to it decreased the provision for loan losses by $366 thousand compared to the prior methodology.  As part of the process to determine whether a new sub-segment was appropriate, management analyzed the qualitative factors applied to each segment of the portfolio. Based on this analysis, management changed its qualitative factor adjustments on the Company's student loan portfolio to better reflect those factors that could potentially have an impact on the portfolio. This change decreased the provision for loan losses by $38 thousand compared to the prior methodology. The following table represents the effect on the loan loss provision as a result of these changes in methodology. It compares the methodology actually used for the year ended December 31, 2016 to that used in prior periods. Calculated Provision Based on Current Methodology Calculated Provision Based on Prior Methodology Difference (in thousands) Portfolio Segment: Commercial $ 1,696 $ 2,054 $ (358 ) Real estate - construction (142 ) (858 ) 716 Real estate - mortgage (54 ) 73 (127 ) Consumer loans 352 910 (558 ) Other 78 78 0 Total $ 1,930 $ 2,257 $ (327 ) The allowance for loan losses was 1.37% of total loans at December 31, 2016, compared to 1.36% at December 31, 2015.

Other Real Estate Owned (OREO)

Other Real Estate Owned (OREO)	12 Months Ended
	Dec. 31, 2016
Other Real Estate Owned (OREO) [Abstract]
Foreclosed Assets	NOTE 5, Other Real Estate Owned (OREO) The Company holds certain parcels of real estate due to completed foreclosure proceedings on defaulted loans or the closing of former branches. An analysis of the balance in OREO is as follows: Years Ended December 31, 2016 2015 (in thousands) Balance at beginning of year $ 5,290 $ 8,014 Transfers to OREO due to foreclosure 0 553 Other additions to foreclosed properties 52 0 Closed branch locations transferred to OREO 127 0 Properties sold (3,376 ) (3,277 ) Balance at end of year $ 2,093 $ 5,290 Other additions to foreclosed properties in the table above are for capital improvements on existing properties. OREOs are presented net of a valuation allowance for losses. As the fair values of OREOs change, adjustments are made to the recorded investment in the properties through the valuation allowance to ensure that all properties are recorded at the lower of cost or fair value. Properties written down in previous periods can be written back up if a current property valuation warrants the change, though never above the original cost of the property. An analysis of the valuation allowance on OREOs is as follows: Years Ended December 31, 2016 2015 (in thousands) Balance at beginning of year $ 2,549 $ 2,908 Additions and write-downs 60 1,011 Reductions due to sales or increases in value (1,583 ) (1,370 ) Balance at end of year $ 1,026 $ 2,549 Expenses applicable to OREOs include the following: Years Ended December 31, 2016 2015 (in thousands) Net loss (gain) on sales of real estate $ 94 $ (54 ) Provision for losses (net write-downs) 60 1,011 Operating expenses, net of income (1) 160 219 Total Expenses $ 314 $ 1,176 (1) Included in other operating income and other operating expense on the Consolidated Statements of Income.

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2016
Premises and Equipment [Abstract]
Premises and Equipment	NOTE 6, Premises and Equipment Premises and equipment consisted of the following at December 31: 2016 2015 (in thousands) Land $ 7,663 $ 7,688 Buildings 37,890 37,848 Construction in process 43 555 Leasehold improvements 852 852 Furniture, fixtures and equipment 19,220 18,303 65,668 65,246 Less accumulated depreciation and amortization 26,344 23,964 $ 39,324 $ 41,282 Depreciation expense for the years ended December 31, 2016 and 2015 amounted to $2.7 and $2.5 million, respectively. The Company has noncancellable leases on premises and equipment expiring at various dates, not including extensions, to the year 2020. Certain leases provide for increased annual payments based on increases in real estate taxes and the Consumer Price Index. The total approximate minimum rental commitment at December 31, 2016 under noncancellable leases is $632 thousand which is due as follows (in thousands): 2017 $ 236 2018 169 2019 150 2020 77 Total $ 632 The aggregate rental expense of premises and equipment was $239 thousand and $270 thousand for December 31, 2016 and 2015, respectively.

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits	12 Months Ended
	Dec. 31, 2016
Low-Income Housing Tax Credits [Abstract]
Low-Income Housing Tax Credits	NOTE 7, Low-Income Housing Tax Credits The Company was invested in four separate housing equity funds at both December 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 $3.9 million and $4.2 million at December 31, 2016 and December 31, 2015, respectively. The expected terms of these investments and the related tax benefits run through 2032. Additional committed capital calls expected for the funds totaled $2.5 million and $3.0 million at December 31, 2016 and December 31, 2015, respectively, and are recorded in accrued expenses and other liabilities on the corresponding consolidated balance sheets. During the years ended December 31, 2016 and 2015, the Company recognized amortization expense of $300,000 thousand and $219,000 thousand, respectively, which was included within noninterest expense on the consolidated statements of income. The table below summarizes the tax credits and other tax benefits recognized by the Company and related to these investments, as of the periods indicated: Years Ended December 31, 2016 2015 (in thousands) Tax credits received $ 384 $ 291 Tax benefit from losses 102 74 Total tax benefit $ 486 $ 365

Deposits

Deposits	12 Months Ended
	Dec. 31, 2016
Deposits [Abstract]
Deposits	NOTE 8, Deposits The aggregate amount of time deposits in denominations of $250 thousand or more at December 31, 2016 and 2015 was $38.1 million and $36.4 million, respectively. As of December 31, 2016, no single customer relationship exceeded 5 percent of total deposits. At December 31, 2016 the scheduled maturities of time deposits (in thousands) are as follows : 2017 $ 99,128 2018 23,173 2019 29,632 2020 40,737 2021 18,739 Total $ 211,409

Short Term and Long Term Borrow

Short Term and Long Term Borrowings	12 Months Ended
	Dec. 31, 2016
Short Term and Long Term Borrowings [Abstract]
Short Term and Long Term Borrowings	NOTE 9, Short Term and Long Term Borrowings The Company's short-term borrowing sources include federal funds purchased and overnight repurchase agreements. The Company had no federal funds purchased on December 31, 2016 or 2015. At December 31, 2016, the Company had $55.0 million available in federal funds lines of credit to address any short-term borrowing needs. Overnight repurchase agreements, which totaled $18.7 million and $26.0 million as of December 31, 2016 and 2015, respectively, are classified as secured borrowings that generally mature within one to four days from the transaction date. Securities sold under agreements to repurchase are reflected at the amount of cash received in connection with the transaction. The Company may be required to provide additional collateral based on the fair value of the underlying securities. As of December 31, 2016, four customer relationships exceeded 5 percent of total repurchase agreements, with a combined outstanding balance of $15.7 million, or 83.83% of total repurchase agreements. The Company has a line of credit with the FHLB enabling it to borrow up to 30% of total assets, or $270.0 million as of December 31, 2016. FHLB advances are secured by a blanket lien on qualified 1 – 4 family residential real estate loans. These pledged loans totaled $90.3 million at December 31, 2016. At December 31, 2016, the Company had no long-term FHLB advances outstanding. Long-term debt as of December 31, 2015 was as follows: Fixed Weighted Rate Total Avg Rate (in thousands) Due in 2016 $ 25,000 $ 25,000 4.83 % Total long-term debt $ 25,000 $ 25,000 4.83 %

Stock Option Plan

Stock Option Plan	12 Months Ended
	Dec. 31, 2016
Stock Option Plan [Abstract]
Stock Option Plan	NOTE 10, Share-Based Compensation EQUITY COMPENSATION PLANS The Company's 1998 Stock Option Plan, pursuant to which stock options could be granted to key employees and non-employee directors, expired on March 9, 2008. Stock options that were outstanding on March 9, 2008 remained outstanding in accordance with their terms, but no new awards can be granted under the plan after March 9, 2008. At December 31, 2016, options to purchase 60,605 shares of common stock granted under the stock option plan were outstanding. The exercise price of each option equals the market price of the Company's common stock on the date of the grant, and each option's maximum term is ten years. Stock option plan activity for the year ended December 31, 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 0.00 Exercised (1,250 ) 20.05 Canceled or expired (13,105 ) 20.05 Options outstanding, December 31, 2016 60,605 $ 20.05 0.79 $ 300 Options exercisable, December 31, 2016 60,605 $ 20.05 0.79 $ 300 The aggregate intrinsic value of a stock option in the table above represents the total pre-tax intrinsic value (the amount by which the current market value of the underlying stock exceeds the exercise price of the option) that would have been received by the option holders had all option holders exercised their options on December 31, 2016.This amount changes based on changes in the market value of the Company's common stock. During 2016, the Company received $25 thousand from the exercise of stock options. No options were exercised in 2015. No options were granted during the years ended December 31, 2016 or December 31, 2015. As of December 31, 2016 and December 31, 2015, all outstanding stock options were fully vested and there was no unrecognized stock-based compensation expense. Information pertaining to options outstanding at December 31, 2016 is as follows: Options Outstanding Options Exercisable Range of Exercise Prices Number Outstanding Weighted Average Remaining Contractual Life Weighted Average Exercise Price Number Exercisable Weighted Average Exercise Price $ 20.05 60,605 0.79 $ 20.05 60,605 $ 20.05 On May 24, 2016, the Company's stockholders approved the Old Point Financial Corporation 2016 Incentive Stock Plan. The Incentive Stock Plan permits the issuance of up to 300,000 shares of common stock for awards to key employees and non-employee directors of the Company and its subsidiaries in the form of stock options, restricted stock, restricted stock units, stock appreciation rights, stock awards and performance units. Although the Company did not award any equity compensation under the Incentive Stock Plan during 2016, management anticipates beginning to award equity compensation to key employees and non-employee directors in 2017. Accordingly, as of December 31, 2016, there were no awards outstanding under the Incentive Stock Plan. Complete details of the Incentive Stock Plan are contained in the plan itself, which is Appendix A of the Proxy Statement for the Company's 2016 Annual Meeting of Stockholders. EMPLOYEE STOCK PURCHASE PLAN On May 24, 2016, the Company's stockholders approved the Old Point Financial Corporation Employee Stock Purchase Plan (ESPP). Under the ESPP, substantially all employees of the Company can authorize a specific payroll deduction from their base compensation for the periodic purchase of the Company's common stock. Shares of stock are issued quarterly at a discount to the market price of the Company's stock on the day of purchase, which can range from 0-15% and for 2016 was set at 5 %. Total stock purchases amounted to 999 shares during 2016. At December 31, 2016, the Company had 249,001 shares reserved for issuance under this plan. Complete details of the ESPP are contained in the plan itself, which is Appendix B of the Proxy Statement for the Company's 2016 Annual Meeting of Stockholders.

Stockholders' Equity and Earnin

Stockholders' Equity and Earnings per Common Share	12 Months Ended
	Dec. 31, 2016
Stockholders' Equity and Earnings Per Common Share [Abstract]
Stockholders' Equity and Earnings Per Common Share	NOTE 11, Stockholders' Equity and Earnings per Common Share STOCKHOLDERS' EQUITY--OTHER COMPREHENSIVE INCOME (LOSS) The following table presents information on amounts reclassified out of accumulated other comprehensive loss, by category, during the periods indicated: Years Ended December 31, Affected Line Item on 2016 2015 (in thousands) Available-for-sale securities Realized gains (losses) on sales of securities $ 522 $ 76 Gain (loss) on sale of available-for-sale securities, net Tax effect 177 26 Income tax (benefit) expense $ 345 $ 50 Defined-benefit pension plan Amortization of actuarial loss (1) $ (504 ) $ (390 ) Salaries and employee benefits Tax effect (171 ) (133 ) Income tax benefit $ (333 ) $ (257 ) Total reclassifications for the period $ 12 $ (207 ) (1) This accumulated other comprehensive loss component is included in the computation of net periodic pension cost (see Note 14. Pension Plan and 401(k) Plan for additional details). The following table presents the changes in accumulated other comprehensive loss, by category, net of tax, for the periods indicated: Unrealized Gains (Losses) on Available-for-Sale Securities Unrealized Losses on Securities Transferred from Available-for-Sale to Held-to-Maturity (1) Defined Benefit Pension Plans Accumulated Other Comprehensive Loss (in thousands) Balance at December 31, 2014 $ (78 ) $ (3,386 ) $ (2,429 ) $ (5,893 ) Net change for the year ended December 31, 2015 (498 ) 3,386 (157 ) 2,731 Balance at December 31, 2015 (576 ) 0 (2,586 ) (3,162 ) Net change for the year ended December 31, 2016 (1,163 ) 0 117 (1,046 ) Balance at December 31, 2016 $ (1,739 ) $ 0 $ (2,469 ) $ (4,208 ) (1) Net change for the year ended December 31, 2015 represents reclassification due to the transfer of securities held-to-maturity to available-for-sale. See Note 3. Securities. The following table presents the change in each component of other comprehensive income (loss) on a pre-tax and after-tax basis for the periods indicated. Year Ended December 31, 2016 Pretax Tax Effect Net-of-Tax (in thousands) Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (1,240 ) $ (422 ) $ (818 ) Reclassification adjustment for gains recognized in income (522 ) (177 ) (345 ) Net unrealized losses on securities (1,762 ) (599 ) (1,163 ) Defined benefit pension plans: Net actuarial loss for the period (327 ) (111 ) (216 ) Amortization of actuarial loss from prior period 504 171 333 Net change 177 60 117 Total change in accumulated other comprehensive loss $ (1,585 ) $ (539 ) $ (1,046 ) Year Ended December 31, 2015 Pretax Tax Effect Net-of-Tax (in thousands) Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (679 ) $ (231 ) $ (448 ) Reclassification adjustment for gains recognized in income (76 ) (26 ) (50 ) Net change (755 ) (257 ) (498 ) Unrealized losses on securities transferred from available-for-sale to held-to-maturity: Elimination upon transfer back to available-for-sale 4,197 1,427 2,770 Amortization 934 318 616 Net change 5,131 1,745 3,386 Defined benefit pension plans: Net actuarial loss for the period (627 ) (213 ) (414 ) Amortization of actuarial loss from prior period 390 133 257 Net change (237 ) (80 ) (157 ) Total change in accumulated other comprehensive loss $ 4,139 $ 1,408 $ 2,731 EARNINGS PER COMMON SHARE Earnings per common share has been computed based on the following: Years Ended December 31, 2016 2015 (dollars in thousands) Net income (in thousands) $ 3,797 $ 3,634 Average number of common shares outstanding 4,959,173 4,959,009 Effect of dilutive options 1,761 0 Average number of common shares outstanding used to calculate diluted earnings per common share 4,960,934 4,959,009 The Company did not include an average of 52 thousand and 76 thousand potential common shares attributable to outstanding stock options in the diluted earnings per share calculation for 2016 and 2015, respectively, because they were antidilutive.

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2016
Related Party Transactions [Abstract]
Related Party Transactions	NOTE 12, Related Party Transactions In the ordinary course of business, the Company has granted loans to principal stockholders, executive officers and directors and their affiliates. These loans were made on substantially the same terms and conditions, including interest rates, collateral and repayment terms, as those prevailing at the same time for comparable transactions with unrelated persons, and, in the opinion of management and the Company's board of directors, do not involve more than normal risk or present other unfavorable features. None of the principal stockholders, executive officers or directors had direct or indirect loans exceeding 10 percent of stockholders' equity at December 31, 2016. Annual activity consisted of the following: 2016 2015 (in thousands) Balance, beginning of year $ 4,429 $ 5,787 Additions 110 4 Reductions (185 ) (1,362 ) Balance, end of year $ 4,354 $ 4,429 Deposits from related parties held by the Company at December 31, 2016 and 2015 amounted to $13.8 million and $14.4 million, respectively.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2016
Income Taxes [Abstract]
Income Taxes	NOTE 13, Income Taxes The components of income tax expense for the current and prior year-ends are as follows: 2016 2015 (in thousands) Current income tax expense $ 179 $ 281 Deferred income tax benefit (19 ) (227 ) Reported income tax expense $ 160 $ 54 A reconciliation of the expected federal income tax expense on income before income taxes with the reported income tax expense for the same periods follows: Years Ended December 31, 2016 2015 (in thousands) Expected tax expense (34%) $ 1,345 $ 1,254 Interest expense on tax-exempt assets 15 22 Low-income housing tax credits (384 ) (274 ) Tax-exempt interest (608 ) (654 ) Bank-owned life insurance (270 ) (301 ) Other, net 62 7 Reported income tax expense $ 160 $ 54 The effective tax rates for 2016 and 2015 were 4.0% and 1.5%, respectively. The components of the net deferred tax asset, included in other assets, are as follows: December 31, 2016 2015 (in thousands) Deferred tax assets: Allowance for loan losses $ 2,803 $ 2,631 Interest on nonaccrual loans 71 67 Other real estate owned 349 867 Pension - other comprehensive income 1,272 1,332 Bank owned life insurance benefit 94 88 Charitable contributions carried forward 1 109 Net unrealized loss on securities available-for-sale 896 297 Unexercised nonqualified options 36 36 Alternative minimum tax 1,019 610 Deferred benefits and compensation 256 347 Other 89 78 $ 6,886 $ 6,462 Deferred tax liabilities: Depreciation $ (822 ) $ (854 ) Accretion of discounts on securities (1 ) (1 ) Deferred loan fees and costs (325 ) (293 ) Pension (740 ) (874 ) (1,888 ) (2,022 ) Net deferred tax assets $ 4,998 $ 4,440 The Company files income tax returns in the U.S. federal jurisdiction and the Commonwealth of Virginia. With few exceptions, the Company is no longer subject to U.S. federal, state and local income tax examinations by tax authorities for years prior to 2013.

Pension Plan

Pension Plan	12 Months Ended
	Dec. 31, 2016
Pension Plan [Abstract]
Pension Plan	NOTE 14, Pension Plan and 401(k) Plan PENSION PLAN The Company provides pension benefits for eligible participants through a non-contributory defined-benefit pension plan. The plan was frozen effective September 30, 2006; therefore no additional participants have been or will be added to the plan since such date. On November 23, 2016 the Company's Board of Directors voted to terminate the pension plan, effective January 31, 2017. The Company anticipates completing the transfer of all liabilities and administrative responsibilities under the Plan by the end of the fourth quarter of 2017. Information pertaining to the activity in the plan, using a measurement date of December 31, is as follows: Years ended December 31, 2016 2015 (in thousands) Change in benefit obligation Benefit obligation at beginning of year $ 7,039 $ 7,104 Service cost 0 0 Interest cost 279 260 Benefits paid (461 ) (294 ) Actuarial (gain) loss 205 (31 ) Benefit obligation at end of year $ 7,062 $ 7,039 Change in plan assets Fair value of plan assets at beginning of year $ 5,691 $ 5,268 Actual return on plan assets 269 (283 ) Employer contribution 0 1,000 Benefits paid (461 ) (294 ) Fair value of plan assets at end of year $ 5,499 $ 5,691 Funded Status at end of year $ (1,563 ) $ (1,348 ) December 31, 2016 2015 (in thousands) Amounts recognized in the consolidated balance sheets Accrued pension liability $ (1,563 ) $ (1,348 ) Amounts recognized in other comprehensive income (loss) Loss $ 3,741 $ 3,918 Deferred taxes (1,272 ) (1,332 ) Net loss $ 2,469 $ 2,586 Accumulated benefit obligation $ 7,062 $ 7,039 Assumptions used to determine the benefit obligations at December 31, 2016 2015 Discount rate 3.86% 4.03% During the years ending December 31, Weighted-average assumptions used to determine net periodic pension cost 2016 2015 Discount rate 4.03% 3.73% Expected long-term rate of return on plan assets 7.00% 7.00% Years ended December 31, 2016 2015 Components of net periodic pension cost (in thousands) Interest cost $ 279 $ 260 Expected return on plan assets (391 ) (376 ) Amortization of unrecognized loss 504 390 Net periodic pension cost $ 392 $ 274 Components of other amounts recognized in other comprehensive income (loss) Net actuarial (gain) loss $ 327 $ 627 Settlement loss 0 0 Amortization of actuarial loss (504 ) (390 ) Total recognized in other comprehensive income (loss) $ (177 ) $ 237 Total recognized in net periodic benefit cost and other comprehensive income (loss) $ 215 $ 511 The estimated net loss for the pension plan that will be amortized from accumulated other comprehensive loss into net periodic benefit cost over the next year is $490 thousand. The overall expected long-term rate of return on plan assets was determined based on the current asset allocation and the related volatility of those investments. The Company's overall investment strategy is growth with income. The emphasis of the objective is on both capital appreciation and income. The portfolio contains a blend of securities expected to grow in value over the long term and those expected to produce income. Moderate market value volatility is expected. The pension plan invests primarily in large and mid-cap equities and government and corporate bonds, with the following target allocations: equities 55 percent, fixed income 40 percent and cash 5 percent. The pension plan has small investments in precious metals and emerging markets equity mutual funds, each of which represents less than 1 percent of the total account value. Fair value is discussed in detail in Note 16. The fair value of the Company's pension plan assets by asset category are as follows: Assets at Fair Value as of December 31, 2016 Asset Category Level 1 Level 2 Level 3 Total (in thousands) Money market funds $ 2,839 $ 0 $ 0 $ 2,839 Mutual funds 0 0 0 0 Common stock 1,129 0 0 1,129 Corporate bonds 0 1,472 0 1,472 Partnerships 0 59 0 59 Total assets at fair value $ 3,968 $ 1,531 $ 0 $ 5,499 Assets at Fair Value as of December 31, 2015 Asset Category Level 1 Level 2 Level 3 Total (in thousands) Money market funds $ 654 $ 0 $ 0 $ 654 Mutual funds 74 0 0 74 Common stock 2,766 0 0 2,766 Corporate bonds 0 2,133 0 2,133 Partnerships 0 64 0 64 Total assets at fair value $ $3,494 $ $2,197 $ $0 $ $5,691 The Company made no contributions to the pension plan in 2016, and contributed $1.0 million in 2015. Management has not determined at this time the amount, if any, it will contribute to the plan for the year ending December 31, 2017. Estimated future benefit payments, which reflect expected future service, as appropriate, are as follows (in thousands): 2017 $ 256 2018 273 2019 288 2020 348 2021 351 Thereafter 2,106 Total $ 3,622 401(K) PLAN The Company has a 401(k) Plan in which substantially all employees are eligible to participate. Employees may contribute to the plan subject to certain limits based on federal tax laws. The Company makes matching contributions equal to 100 percent of the first 4 percent of an employee's compensation contributed to the plan. Matching contributions vest to the employee immediately. The Company may make profit sharing contributions to the plan as determined by the Board of Directors. Profit sharing contributions vest to the employee over a six-year period. For the years ended December 31, 2016 and 2015, expense attributable to the plan amounted to $523 thousand and $519 thousand, respectively.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2016
Commitments and Contingencies [Abstract]
Commitments and Contingencies	NOTE 15, Commitments and Contingencies CREDIT-RELATED FINANCIAL INSTRUMENTS The Company is a party to credit-related financial instruments with off-balance-sheet risk in the normal course of business in order to meet the financing needs of its customers. These financial instruments include commitments to extend credit, standby letters of credit and commercial letters of credit. Such commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets. The Company's exposure to credit loss is represented by the contractual amount of these commitments. The Company follows the same credit policies in making such commitments as it does for on-balance-sheet instruments. The following financial instruments whose contract amounts represent credit risk were outstanding at December 31: 2016 2015 (in thousands) Commitments to extend credit: Home equity lines of credit $ 47,243 $ 41,995 Commercial real estate, construction and development loans committed but not funded 15,948 18,113 Other lines of credit (principally commercial) 81,966 73,213 Total $ 145,157 $ 133,321 Letters of credit $ 3,597 $ 3,473 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer's credit-worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company, upon extensions of credit is based on management's credit evaluation of the customer. Collateral held varies but may include accounts receivable, inventory, property, plant and equipment and income-producing commercial properties. Unfunded commitments under commercial lines of credit, revolving credit lines, and overdraft protection agreements are commitments for possible future extensions of credit to existing customers. These lines of credit are not collateralized and usually do not contain a specified maturity date, and ultimately may or may not be drawn upon to the total extent to which the Company is committed. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those letters of credit are primarily issued to support public and private borrowing arrangements. Essentially all letters of credit issued have expiration dates within one year, with the exception of one letter of credit which expires in 2020. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Company holds various collateral supporting those commitments for which collateral is deemed necessary. LEGAL CONTINGENCIES Various legal claims arise from time to time in the normal course of business, which, in the opinion of management, will not have a material effect on the Company's Consolidated Financial Statements.

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2016
Fair Value Measurements [Abstract]
Fair Value Measurements	NOTE 16, Fair Value Measurements DETERMINATION OF FAIR VALUE The Company uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. In accordance with the "Fair Value Measurements and Disclosures" topics of FASB ASU 2010-06 and FASB ASU 2011-04, the fair value of a financial instrument is the price that would be received in the sale of an asset or transfer of a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company's various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimate of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument. The fair value guidance provides a consistent definition of fair value, which focuses on exit price in an orderly transaction (that is, not a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions. If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques may be appropriate. In such instances, determining the price at which willing market participants would transact at the measurement date under current market conditions depends on the facts and circumstances and requires the use of significant judgment. The fair value can be a reasonable point within a range that is most representative of fair value under current market conditions. In estimating the fair value of assets and liabilities, the Company relies mainly on two models. The first model, used by the Company's bond accounting service provider, determines the fair value of securities. Securities are priced based on an evaluation of observable market data, including benchmark yield curves, reported trades, broker/dealer quotes, and issuer spreads. Pricing is also impacted by credit information about the issuer, perceived market movements, and current news events impacting the individual sectors. For assets other than securities and for all liabilities, fair value is determined using the Company's asset/liability modeling software. The software uses current yields, anticipated yield changes, and estimated duration of assets and liabilities to calculate fair value. In accordance with ASC 820, "Fair Value Measurements and Disclosures," the Company groups its financial assets and financial liabilities generally measured at fair value into three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. Level 1 – Valuation is based on quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date. Level 1 assets and liabilities generally include debt and equity securities that are traded in an active exchange market. Valuations are obtained from readily available pricing sources for market transactions involving identical assets or liabilities. Level 2 – Valuation is based on inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly. The valuation may be based on quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the asset or liability. Level 3 – Valuation is based on unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which determination of fair value requires significant management judgment or estimation. An instrument's categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement. ASSETS MEASURED AT FAIR VALUE ON A RECURRING BASIS Debt and equity securities with readily determinable fair values that are classified as "available-for-sale" are recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. Securities available-for-sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted market prices, when available (Level 1). If quoted market prices are not available, fair values are measured utilizing independent valuation techniques of identical or similar securities for which significant assumptions are derived primarily from or corroborated by observable market data. Third party vendors compile prices from various sources and may determine the fair value of identical or similar securities by using pricing models that consider observable market data (Level 2). In certain cases where there is limited activity or less transparency around inputs to the valuation, securities are classified within Level 3 of the valuation hierarchy. Currently, all of the Company's available-for-sale securities are considered to be Level 2 securities. The following table presents the balances of certain assets measured at fair value on a recurring basis as of the dates indicated: Fair Value Measurements at December 31, 2016 Using Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Description Balance (in thousands) Available-for-sale securities U.S. Treasury securities $ 20,000 $ 0 $ 20,000 $ 0 Obligations of U.S. Government agencies 9,195 0 9,195 0 Obligations of state and political subdivisions 77,987 0 77,987 0 Mortgage-backed securities 83,694 0 83,694 0 Money market investments 647 0 647 0 Corporate bonds 7,678 0 7,678 0 Other marketable equity securities 164 0 164 0 Total available-for-sale securities $ 199,365 $ 0 $ 199,365 $ 0 Fair Value Measurements at December 31, 2015 Using Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Description Balance (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 the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. The measurement of fair value and loss associated with impaired loans can be based on the observable market price of the loan, the fair value of the collateral securing the loan, or the present value of the loan's expected future cash flows, discounted at the loan's effective interest rate. Collateral may be in the form of real estate or business assets including equipment, inventory, and accounts receivable, with the vast majority of the collateral in real estate. The value of real estate collateral is determined utilizing an income, market, or cost valuation approach based on an appraisal conducted by an independent, licensed appraiser outside of the Company. In the case of loans with lower balances, the Company may obtain a real estate evaluation instead of an appraisal. Evaluations utilize many of the same techniques as appraisals, and are typically performed by independent appraisers. Once received, appraisals and evaluations are reviewed by trained staff independent of the lending function to verify consistency and reasonability. Appraisals and evaluations are based on significant unobservable inputs, including but not limited to: adjustments made to comparable properties, judgments about the condition of the subject property, the availability and suitability of comparable properties, capitalization rates, projected income of the subject or comparable properties, vacancy rates, projected depreciation rates, and the state of the local and regional economy. The Company may also elect to make additional reductions in the collateral value based on management's best judgment, which represents another source of unobservable inputs. Because of the subjective nature of collateral valuation, impaired loans are considered Level 3. Impaired loans may be secured by collateral other than real estate. The value of business equipment is based upon an outside appraisal if deemed significant, or the net book value on the applicable business' financial statements if not considered significant using observable market data. Likewise, values for inventory and accounts receivable collateral are based on financial statement balances or aging reports (Level 3). If a loan is not collateral-dependent, its impairment may be measured based on the present value of expected future cash flows, discounted at the loan's effective interest rate. Because the loan is discounted at its effective rate of interest, rather than at a market rate, the loan is not considered to be held at fair value and is not included in the tables below. Collateral-dependent impaired loans allocated to the allowance for loan losses are measured at fair value on a nonrecurring basis. Any fair value adjustments are recorded in the period incurred as part of the provision for loan losses on the Consolidated Statements of Income. Other Real Estate Owned (OREO) Loans are transferred to OREO when the collateral securing them is foreclosed on. The measurement of loss associated with OREOs is based on the fair value of the collateral compared to the unpaid loan balance and anticipated costs to sell the property. If there is a contract for the sale of a property, and management reasonably believes the transaction will be consummated in accordance with the terms of the contract, fair value is based on the sale price in that contract (Level 1). If management has recent information about the sale of identical properties, such as when selling multiple condominium units on the same property, the remaining units would be valued based on the observed market data (Level 2). Lacking either a contract or such recent data, management would obtain an appraisal or evaluation of the value of the collateral as discussed above under Impaired Loans (Level 3). After the asset has been booked, a new appraisal or evaluation is obtained when management has reason to believe the fair value of the property may have changed and no later than two years after the last appraisal or evaluation was received. Any fair value adjustments to OREOs below the original book value are recorded in the period incurred and expensed against current earnings. The following table presents the assets carried on the consolidated balance sheets for which a nonrecurring change in fair value has been recorded. Assets are shown by class of loan and by level in the fair value hierarchy, as of the dates indicated. Certain impaired loans are valued by the present value of the loan's expected future cash flows, discounted at the loan's effective interest rate. These loans are not carried on the consolidated balance sheets at fair value and, as such, are not included in the table below. Former branch sites are carried at the lower of cost or market. Those carried at cost are not included in the table below. Carrying Value at December 31, 2016 Using Description 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 $ 400 $ 0 $ 0 $ 400 Commercial 1,483 0 0 1,483 Construction 74 0 0 74 Total mortgage loans on real estate 1,957 0 0 1,957 Commercial loans 718 0 0 718 Total $ 2,675 $ 0 $ 0 $ 2,675 Other real estate owned Construction $ 940 $ 0 $ 0 $ 940 Total $ 940 $ 0 $ 0 $ 940 Carrying Value at December 31, 2015 Using Description 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 Description Fair Value at December 31, 2016 (dollars in thousands) Valuation Techniques Unobservable Input Range (Average) Impaired loans Residential 1-4 family real estate $ 400 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Commercial real estate 1,483 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Construction 74 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Commercial 718 Market comparables Selling costs 0.00 % Liquidation discount 0.00% - 38.58% (32.40 %) Other real estate owned Construction 940 Market comparables Selling costs 7.25 % Liquidation discount 0.00 % Quantitative Information About Level 3 Fair Value Measurements Description Fair Value at December 31, 2015 (dollars in thousands) Valuation Techniques Unobservable Input Range (Average) Impaired loans Residential 1-4 family real estate $ 952 Market comparables Selling costs 7.25 % Liquidation discount 0.00% - 4.00% (3.75 %) Commercial real estate 267 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Construction 62 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Other real estate owned Residential 1-4 family 724 Market comparables Selling costs 7.25 % Liquidation discount 4.00% - 7.17% (4.79 %) Commercial 927 Market comparables Selling costs 7.25 % Liquidation discount 4.00% - 24.70% (11.77 %) Construction 1,090 Market comparables Selling costs 6.72 % Liquidation discount 33.05 % FASB ASC 825, "Financial Instruments," requires disclosure about fair value of financial instruments and excludes certain financial instruments and all non-financial instruments from its disclosure requirements. Accordingly, the aggregate fair value amounts presented may not necessarily represent the underlying fair value of the Company's assets. The following methods and assumptions were used by the Company in estimating fair value disclosures for financial instruments not discussed above: CASH AND CASH EQUIVALENTS The carrying amounts of cash and short-term instruments, including interest-bearing due from banks, approximate fair values. RESTRICTED SECURITIES The restricted security category is comprised of FHLB and Federal Reserve Bank stock. These stocks are classified as restricted securities because their ownership is restricted to certain types of entities and they lack a market. When the FHLB or Federal Reserve Bank repurchases stock, they repurchase at the stock's book value. Therefore, the carrying amounts of restricted securities approximate fair value. LOANS RECEIVABLE The fair value of a loan is based on its interest rate in relation to its risk profile, in comparison to what an investor could earn on a different investment with a similar risk profile. Variations in risk tolerance between lenders, and thus in risk pricing, can result in the same loan being priced differently at different institutions. A bank's experience with the type of lending (such as commercial real estate) can also impact its assessment of the riskiness of a loan. A comprehensive picture of competitors' rates in relation to borrower risk profiles is not available. Since the rate and risk profile are the primary factors in determining the fair value of a loan, both of which are unobservable in the market, the Company classifies loans as Level 3 in the fair value hierarchy. The Company uses a model which estimates market value based on the loan's interest rate (regardless of its risk level) and rates for debt of similar maturities where market data is available. Fair values for non-performing loans are estimated as described above. BANK-OWNED LIFE INSURANCE Bank-owned life insurance represents insurance policies on certain current and former officers of the Company. The cash value of the policies is estimated using information provided by the insurance carrier. The insurance carrier uses actuarial data to estimate the value of each policy, based on the age and health of the insured relative to other individuals about whom the carrier has information. Health information can be broken down into quantitative, observable inputs, such as smoking habits, blood pressure, and weight, which, along with the insured's age, can be compared to observable data the insurance carrier has available. The carrier can then estimate the cash value of each policy. Since the cash value represents the amount of cash the Company would receive when the policies are paid, the cash value closely approximates the fair value of the policies. Accordingly, bank-owned life insurance is classified as Level 2. DEPOSIT LIABILITIES The fair value of demand deposits, savings and certain money market deposits is the amount payable on demand at the reporting date. The fair value of certificates of deposit is estimated by discounting the future cash flows using the rates currently offered for deposits of similar remaining maturities. Information about the rates paid by other institutions for deposits of similar terms is readily available, and rates are mainly influenced by the term of the deposit itself. As a result, fair value calculations are based on observable inputs, and are classified as Level 2. SHORT-TERM BORROWINGS The carrying amounts of federal funds purchased, overnight repurchase agreements, and other short-term borrowings maturing within 90 days approximate their fair values. Since the contractual terms of these borrowings provide all information necessary to calculate the amounts that will be due at maturity, these liabilities are classified as Level 2. LONG-TERM BORROWINGS The fair values of the Company's long-term borrowings are estimated based on the current cost to repay the debt in full, discounted to current values and including any prepayment penalties that may apply. As the contractual terms of the borrowing provide all the necessary inputs for this calculation, long-term borrowings are classified as Level 2. ACCRUED INTEREST The calculation of accrued interest is based on readily observable information, such as the rate and term of the underlying asset or liability. Since these amounts are expected to be realized quickly (generally within 30 to 90 days), the carrying value approximates fair value and is classified as Level 2. COMMITMENTS TO EXTEND CREDIT AND IRREVOCABLE LETTERS OF CREDIT The fair value of commitments is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present credit-worthiness of the counterparties. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair value of letters of credit is based on fees currently charged for similar agreements or on the estimated cost to terminate them or otherwise settle the obligations with the counterparties at the reporting date. At December 31, 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 December 31, 2016 Using Description 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 $ 25,854 $ 25,854 $ 0 $ 0 Securities available-for-sale 199,365 0 199,365 0 Restricted securities 970 0 970 0 Loans, net of allowances for loan losses 595,637 0 0 594,190 Bank owned life insurance 25,206 0 25,206 0 Accrued interest receivable 3,189 0 3,189 0 Liabilities Deposits $ 784,502 $ 0 $ 783,450 $ 0 Overnight repurchase agreements 18,704 0 18,704 0 Accrued interest payable 228 0 228 0 Fair Value Measurements at December 31, 2015 Using Description 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

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2016
Regulatory Matters [Abstract]
Regulatory Matters	NOTE 17, Regulatory Matters The Company (on a consolidated basis) and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can cause certain mandatory and possibly additional discretionary actions to be initiated by regulators that, if undertaken, could have a direct material effect on the Company's and the Bank's financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Prompt corrective action provisions are not applicable to bank holding companies. Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth in the following table) of total, Tier 1, and common equity tier 1 capital to risk-weighted assets and of Tier 1 capital to average assets. The terms Tier 1 and common equity tier 1 capital, risk-weighted assets and average assets, as used in this note, are as defined in the applicable regulations. Management believes, as of December 31, 2016 and 2015, that the Company and the Bank meet all capital adequacy requirements to which they are subject. As of December 31, 2016, the most recent notification from the Comptroller categorized the Bank as well-capitalized under the regulatory framework for prompt corrective action. To be categorized as well-capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based, common equity tier 1 risk-based and Tier 1 leverage ratios as set forth in the following tables. There are no conditions or events since the notification that management believes have changed the Bank's category. The Company's and the Bank's actual capital amounts and ratios as of December 31, 2016 and 2015 are also presented in the table. Capital Minimum Capital Requirement Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio (dollars in thousands) December 31, 2016: Total Capital to Risk Weighted Assets: Consolidated $ 106,443 14.51 % $ 63,263 8.625 % N/A N/A Old Point National Bank 98,237 13.47 % 62,909 8.625 % $ 72,938 10.00 % Tier 1 Capital to Risk Weighted Assets: Consolidated 98,198 13.39 % 48,593 6.625 % N/A N/A Old Point National Bank 89,992 12.34 % 48,321 6.625 % 58,350 8.00 % Common Equity Tier 1 Capital to Risk Weighted Assets: Consolidated 98,198 13.39 % 37,591 5.125 % N/A N/A Old Point National Bank 89,992 12.34 % 37,381 5.125 % 47,410 6.50 % Tier 1 Capital to Average Assets: Consolidated 98,198 10.68 % 36,768 4.000 % N/A N/A Old Point National Bank 89,992 9.85 % 36,549 4.000 % 45,686 5.00 % December 31, 2015: Total Capital to Risk Weighted Assets: Consolidated $ 104,076 14.89 % $ 55,910 8.00 % N/A N/A Old Point National Bank 96,079 13.83 % 55,589 8.00 % $ 69,486 10.00 % Tier 1 Capital to Risk Weighted Assets: Consolidated 96,338 13.78 % 41,932 6.00 % N/A N/A Old Point National Bank 88,341 12.71 % 41,692 6.00 % 55,589 8.00 % Common Equity Tier 1 Capital to Risk Weighted Assets: Consolidated 96,338 13.78 % 31,449 4.50 % N/A N/A Old Point National Bank 88,341 12.71 % 31,269 4.50 % 45,166 6.50 % Tier 1 Capital to Average Assets: Consolidated 96,338 10.93 % 35,260 4.00 % N/A N/A Old Point National Bank 88,341 10.06 % 35,124 4.00 % 43,905 5.00 % The approval of the Comptroller is required if the total of all dividends declared by a national bank in any calendar year exceeds the bank's net profits for that year combined with its retained net profits for the preceding two calendar years. Under this formula, the Bank and Trust can distribute as dividends to the Company in 2017, without approval of the Comptroller, $2.8 million plus an additional amount equal to the Bank's and Trust's retained net profits for 2017 up to the date of any dividend declaration.

Segment Reporting

Segment Reporting	12 Months Ended
	Dec. 31, 2016
Segment Reporting [Abstract]
Segment Reporting	NOTE 18, Segment Reporting The Company operates in a decentralized fashion in three principal business segments: the Bank, the Trust, and the Parent. Revenues from the Bank's operations consist primarily of interest earned on loans and investment securities and service charges on deposit accounts. Trust's operating revenues consist principally of income from fiduciary activities. The Parent company's revenues are mainly interest and dividends received from the Bank and Trust companies. The Company has no other segments. The Company's reportable segments are strategic business units that offer different products and services. They are managed separately because each segment appeals to different markets and, accordingly, requires different technologies and marketing strategies. Information about reportable segments, and reconciliation of such information to the Consolidated Financial Statements as of and for the years ended December 31 follows: 2016 Bank Trust Unconsolidated Parent Eliminations Consolidated (in thousands) Revenues Interest and dividend income $ 29,765 $ 61 $ 4,590 $ (4,590 ) $ 29,826 Income from fiduciary activities 0 3,560 0 0 3,560 Other income 9,058 910 200 (262 ) 9,906 Total operating income 38,823 4,531 4,790 (4,852 ) 43,292 Expenses Interest expense 2,574 0 0 0 2,574 Provision for loan losses 1,930 0 0 0 1,930 Salaries and employee benefits 16,801 2,671 406 0 19,878 Other expenses 13,179 1,041 995 (262 ) 14,953 Total operating expenses 34,484 3,712 1,401 (262 ) 39,335 Income before taxes 4,339 819 3,389 (4,590 ) 3,957 Income tax expense (benefit) 288 280 (408 ) 0 160 Net income $ 4,051 $ 539 $ 3,797 $ (4,590 ) $ 3,797 Capital expenditures $ 887 $ 4 $ 0 $ 0 $ 891 Total assets $ 897,966 $ 5,761 $ 93,998 $ (94,759 ) $ 902,966 2015 Bank Trust Unconsolidated Parent Eliminations Consolidated (in thousands) Revenues Interest and dividend income $ 30,242 $ 54 $ 4,009 $ (4,010 ) $ 30,295 Income from fiduciary activities 0 3,617 0 0 3,617 Other income 8,548 1,032 200 (261 ) 9,519 Total operating income 38,790 4,703 4,209 (4,271 ) 43,431 Expenses Interest expense 3,633 0 0 (1 ) 3,632 Provision for loan losses 1,025 0 0 0 1,025 Salaries and employee benefits 17,630 2,685 432 0 20,747 Other expenses 13,254 1,010 336 (261 ) 14,339 Total operating expenses 35,542 3,695 768 (262 ) 39,743 Income before taxes 3,248 1,008 3,441 (4,009 ) 3,688 Income tax expense (benefit) (96 ) 343 (193 ) 0 54 Net income $ 3,344 $ 665 $ 3,634 $ (4,009 ) $ 3,634 Capital expenditures $ 1,682 $ 74 $ 0 $ 0 $ 1,756 Total assets $ 891,877 $ 5,694 $ 93,191 $ (93,975 ) $ 896,787 The accounting policies of the segments are the same as those described in the summary of significant accounting policies. The Company evaluates performance based on profit or loss from operations before income taxes not including nonrecurring gains or losses. Both the Parent and the Trust companies maintain deposit accounts with the Bank, on terms substantially similar to those available to other customers. These transactions are eliminated to reach consolidated totals. The Company operates in one geographical area and does not have a single external customer from which it derives 10 percent or more of its revenues.

Condensed Financial Statements

Condensed Financial Statements of Parent Company	12 Months Ended
	Dec. 31, 2016
Condensed Financial Statements of Parent Company [Abstract]
Condensed Financial Statements of Parent Company	NOTE 19, Condensed Financial Statements of Parent Company Financial information pertaining to Old Point Financial Corporation (parent company only) is as follows: December 31, Balance Sheets 2016 2015 (in thousands) Assets Cash and cash equivalents $ 2,366 $ 2,198 Securities available-for-sale 164 99 Investment in common stock of subsidiaries 91,437 90,836 Other assets 31 58 Total assets $ 93,998 $ 93,191 Liabilities and Stockholders' Equity Note payable - subsidiary $ 8 $ 15 Common stock 24,806 24,795 Additional paid-in capital 16,427 16,392 Retained earnings 56,965 55,151 Accumulated other comprehensive loss (4,208 ) (3,162 ) Total liabilities and stockholders' equity $ 93,998 $ 93,191 Years Ended December 31, Statements of Income 2016 2015 (in thousands) Income: Dividends from subsidiaries $ 2,900 $ 2,900 Other income 200 200 Total income 3,100 3,100 Expenses: Salaries and benefits 406 432 Legal expenses 774 180 Service fees 166 137 Other operating expenses 55 19 Total expenses 1,401 768 Income before income taxes and equity in undistributed net income of subsidiaries 1,699 2,332 Income tax benefit (408 ) (193 ) 2,107 2,525 Equity in undistributed net income of subsidiaries 1,690 1,109 Net income $ 3,797 $ 3,634 Years Ended December 31, Statements of Cash Flows 2016 2015 (in thousands) Cash flows from operating activities: Net income $ 3,797 $ 3,634 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries (1,690 ) (1,109 ) (Increase) decrease in other assets 5 (5 ) Increase (decrease) in other liabilities (7 ) 15 Net cash provided by operating activities 2,105 2,535 Cash flows from investing activities: 0 0 Cash flows from financing activities: Proceeds from sale of stock 46 0 Cash dividends paid on common stock (1,983 ) (1,686 ) Net cash used in financing activities (1,937 ) (1,686 ) Net increase in cash and cash equivalents 168 849 Cash and cash equivalents at beginning of year 2,198 1,349 Cash and cash equivalents at end of year $ 2,366 $ 2,198 Supplemental schedule of noncash transactions: Unrealized gain (loss) on securities available-for-sale $ 64 $ (1 )

Significant Accounting Polici28

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2016
Significant Accounting Policies [Abstract]
PRINCIPLES OF CONSOLIDATION	PRINCIPLES OF CONSOLIDATION The Consolidated Financial Statements include the accounts of Old Point Financial Corporation (the Company) and its wholly-owned subsidiaries, The Old Point National Bank of Phoebus (the Bank) and Old Point Trust & Financial Services N.A. (Trust). All significant intercompany balances and transactions have been eliminated in consolidation. The Company consolidates subsidiaries in which it holds, directly or indirectly, more than 50 percent of the voting rights or where it exercises control. Entities where the Company holds 20 to 50 percent of the voting rights, or has the ability to exercise significant influence, or both, are accounted for under the equity method. As discussed below, the Company consolidates entities deemed to be variable interest entities (VIEs) when it is determined to be the primary beneficiary.
NATURE OF OPERATIONS	NATURE OF OPERATIONS Old Point Financial Corporation is a holding company that conducts substantially all of its operations through two subsidiaries, The Old Point National Bank of Phoebus and Old Point Trust & Financial Services, N.A. The Bank serves individual and commercial customers, the majority of which are in Hampton Roads, Virginia. As of December 31, 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	VARIABLE INTEREST ENTITIES A legal entity is referred to as a VIE if any of the following conditions exist, which are outlined in the Financial Accounting Standards Board (FASB) Accounting Standards Codification (ASC) variable interest accounting guidance (FASB ASC 810-10-15-14): (1) the total equity investment at risk is insufficient to permit the legal entity to finance its activities without additional subordinated financial support from other parties, or (2) the entity has equity investors that cannot make significant decisions about the entity's operations or that do not absorb their proportionate share of the expected losses or receive the expected returns of the entity. In addition, as specified in VIE accounting guidance (FASB ASC 810-10-25-38), a VIE must be consolidated by the Company if it is deemed to be the primary beneficiary of the VIE, which is the party involved with the VIE that will absorb a majority of the expected losses, receive a majority of the expected residual returns, or both. At this time, the Company has no VIEs that are consolidated. The Company does have an interest in one VIE, Old Point Mortgage, LLC (Old Point Mortgage), which is not consolidated because the Company has determined that it is not the primary beneficiary. On January 13, 2017, the Bank entered into a membership interest purchase agreement (the Purchase Agreement) with TMSI to purchase TMSI's 51% interest in Old Point Mortgage. Upon completion of the purchase, the Bank will be the sole member of Old Point Mortgage. The purchase is expected to be completed on or before May 1, 2017.
USE OF ESTIMATES	USE OF ESTIMATES In preparing Consolidated Financial Statements in conformity with U.S. GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated balance sheet and reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, other-than-temporary impairment of securities, the valuation allowance on other real estate owned and the determination of defined benefit obligations.
SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK	SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK Most of the Company's activities are with customers located within the Hampton Roads region. The types of securities that the Company invests in are included in Note 3. The types of lending that the Company engages in are included in Note 4. The Company has significant concentrations in the following industries: construction, lessors of real estate, activities related to real estate, ambulatory health care and religious organizations. The Company does not have any significant concentrations to any one customer. At December 31, 2016 and 2015, there were $308.5 million and $297.4 million, or 51.09% and 52.32%, respectively, of total loans concentrated in commercial real estate. Commercial real estate for purposes of this note includes all construction loans, loans secured by multifamily residential properties, loans secured by farmland and loans secured by nonfarm, nonresidential properties.
CASH AND CASH EQUIVALENTS	CASH AND CASH EQUIVALENTS For purposes of the consolidated statements of cash flows, cash and cash equivalents includes cash and balances due from banks and federal funds sold, all of which mature within 90 days.
INTEREST-BEARING DEPOSITS IN BANKS	INTEREST-BEARING DEPOSITS IN BANKS Interest-bearing deposits in banks mature within one year and are carried at cost.
SECURITIES	SECURITIES Certain debt securities that management has the positive intent and ability to hold until maturity are classified as "held-to-maturity" and recorded at amortized cost. Securities not classified as held-to-maturity, including equity securities with readily determinable fair values, are classified as "available-for-sale" and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. The Company evaluates securities for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. The Company employs a systematic methodology that considers available evidence in evaluating potential impairment of its investments. In the event that the cost of an investment exceeds its fair value, the Company evaluates, among other factors, the magnitude and duration of the decline in fair value; the expected cash flows of the securities; the financial health of and business outlook for the issuer; the performance of the underlying assets for interests in securitized assets; and the Company's intent and ability to hold the investment. Once a decline in fair value is determined to be other-than-temporary, an impairment charge is recorded in investment income and a new cost basis in the investment is established.
FEDERAL HOME LOAN BANK STOCK	FEDERAL HOME LOAN BANK STOCK The Company, as a member of the Federal Home Loan Bank of Atlanta (FHLB), is required to maintain an investment in the capital stock of the FHLB. Based on the redemption provisions of the FHLB, the stock has no quoted market value, is carried at cost and is listed as a restricted security. The Company reviews its holdings for impairment based on the ultimate recoverability of the cost basis in the FHLB stock.
LOANS	LOANS The Company extends loans to individual consumers and commercial customers for various purposes. Most of the Company's loans are secured by real estate, including real estate construction loans and real estate mortgage loans (i.e., residential 1-4 family mortgages, commercial real estate loans, second mortgages and equity lines of credit). Other loans are secured by collateral that is not real estate, which may include inventory, accounts receivable, equipment or other personal property. A substantial portion of the loan portfolio is represented by real estate mortgage loans throughout Hampton Roads. The ability of the Company's debtors to honor their contracts is dependent in part upon the real estate and general economic conditions in this area. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for unearned income, the allowance for loan losses and any unamortized deferred fees or costs on originated loans. For loans amortized at cost, interest income is accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, as well as premiums and discounts, are deferred and amortized as a level yield adjustment over the respective term of the loan. The accrual of interest on commercial loans (including construction loans and commercial loans secured and not secured by real estate) is generally discontinued at the time the loan is 90 days past due unless the credit is well-secured and in the process of collection. Consumer loans not secured by real estate and consumer real estate secured loans (i.e., residential 1-4 family mortgages, second mortgages and equity lines of credit) are generally placed on nonaccrual status when payments are 120 days past due. Past due status is based on the contractual terms of the loan, and loans are considered past due when a payment of principal and/or interest is due but not paid. Regular payments not received within the payment cycle are considered to be 30, 60, or 90 or more days past due accordingly. In all cases, loans are placed on nonaccrual status or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not collected for loans that are placed on nonaccrual status or charged off is reversed against interest income. The interest on these loans is accounted for on the cash basis or cost recovery method, until qualifying for return to accrual. Loans are generally returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured, or when the borrower has resumed paying the full amount of the scheduled contractual interest and principal payments for at least six months.
ALLOWANCE FOR LOAN LOSSES	ALLOWANCE FOR LOAN LOSSES The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management's periodic review of the collectibility of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower's ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired, such as a loan that is considered a TDR (discussed in detail below). These loans are excluded from pooled loss forecasts and a separate reserve is provided under the accounting guidance for loan impairment. All loans, including consumer loans, whose terms have been modified in a TDR are also individually analyzed for estimated impairment. Impairment is measured on a loan-by-loan basis for construction loans and commercial loans (i.e., commercial mortgage loans on real estate and commercial loans not secured by real estate) by either the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's obtainable market price, or the fair value of the collateral if the loan is collateral dependent. For those loans that are classified as impaired, an allowance is established when the discounted value of expected future cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower's prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. The general component covers loans that are not classified as impaired. Loans collectively evaluated for impairment are pooled, with a historical loss rate, based on migration analysis, applied to each pool, segmented by risk grade or days past due, depending on the type of loan. Based on credit risk assessments and management's analysis of qualitative factors, additional loss factors are applied to loan balances. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and consumer loans secured by real estate (i.e., residential 1-4 family mortgages, second mortgages and equity lines of credit) for impairment disclosures, unless the terms of such loans have been modified in a TDR due to financial difficulties of the borrower.
LOAN CHARGE-OFF POLICIES	LOAN CHARGE-OFF POLICIES Loans are generally fully charged off or partially charged down to the fair value of collateral securing the asset when: · Management determines the asset to be uncollectible; · Repayment is deemed to be protracted beyond reasonable time frames; · The asset has been classified as a loss by either the internal loan review process or external examiners; · The borrower has filed for bankruptcy protection and the loss becomes evident due to a lack of borrower assets; or · The loan is 120 days or more past due unless the loan is both well secured and in the process of collection. TROUBLED DEBT RESTRUCTURINGS
TROUBLED DEBT RESTRUCTURINGS	In situations where, for economic or legal reasons related to a borrower's financial difficulties, management grants a concession for other than an insignificant period of time to the borrower that would not otherwise be considered, the related loan is classified as a TDR. Management strives to identify borrowers in financial difficulty before their loans reach nonaccrual status and works with them to grant appropriate concessions, if necessary, and modify their loans to more affordable terms. These modified terms could include reduction in the interest rate below current market rates for borrowers with similar risk profiles, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. In cases where borrowers are granted new terms that provide for a reduction of either interest or principal, management measures any impairment on the restructuring as noted above for impaired loans. The Company had $11.9 million and $11.2 million in loans classified as TDRs as of December 31, 2016 and 2015, respectively.
TRANSFERS OF FINANCIAL ASSETS	TRANSFERS OF FINANCIAL ASSETS Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company (i.e., put presumptively beyond the reach of the transferor and its creditors, even in bankruptcy or other receivership); (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets.
OTHER REAL ESTATE OWNED (OREO)	OTHER REAL ESTATE OWNED (OREO) Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance (direct write-downs) are included in net expenses from foreclosed assets.
BANK-OWNED LIFE INSURANCE	BANK-OWNED LIFE INSURANCE The Company owns insurance on the lives of a certain group of key employees. The policies were purchased to help offset the increase in the costs of various benefit plans. The cash surrender value of these policies is included as an asset on the consolidated balance sheets, and the increase in cash surrender value is recorded as noninterest income on the consolidated statements of income. In the event of the death of an insured individual under these policies, the Company would receive a death benefit payment. Any excess in the amount received over the recorded cash surrender value would be recorded as other income on the consolidated statements of income.
PREMISES AND EQUIPMENT	PREMISES AND EQUIPMENT Land is carried at cost. Buildings and equipment are stated at cost, less accumulated depreciation and amortization computed on the straight-line method over the estimated useful lives of the assets. Buildings and equipment are depreciated over their estimated useful lives ranging from 3 to 39 years; leasehold improvements are amortized over the lives of the respective leases or the estimated useful life of the leasehold improvement, whichever is less. Software is amortized over its estimated useful life ranging from 3 to 5 years.
OFF-BALANCE SHEET CREDIT RELATED FINANCIAL INSTRUMENTS	OFF-BALANCE SHEET CREDIT RELATED FINANCIAL INSTRUMENTS In the ordinary course of business, the Company has entered into commitments to extend credit, including commitments under commercial letters of credit and lines of credit. Such financial instruments are recorded when they are funded.
PENSION PLAN	PENSION PLAN The Company has a non-contributory defined benefit pension plan, which was frozen by the Company in 2006. Benefits for participants will remain frozen in the plan until such time as further action occurs. No additional participants will be added to the plan. The compensation cost of the pension plan is recognized on the projected unit credit method. The aggregate cost method is utilized for funding purposes.
STOCK COMPENSATION PLANS	STOCK COMPENSATION PLANS Stock compensation accounting guidance (FASB ASC 718, "Compensation -- Stock Compensation") requires that the compensation cost related to share-based payment transactions be recognized in financial statements. That cost will be measured based on the grant date fair value of the equity or liability instruments issued. The stock compensation accounting guidance covers a wide range of share-based compensation arrangements including stock options, restricted share plans, performance-based awards, share appreciation rights and employee share purchase plans. The stock compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over the employees' service period, generally defined as the vesting period. For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. A Black Scholes model is used to estimate the fair value of the stock options, while the market price of the Company's common stock at the date of grant is used for restricted stock awards.
INCOME TAXES	INCOME TAXES The Company accounts for income taxes in accordance with income tax accounting guidance (FASB ASC 740, "Income Taxes"). The Company adopted the accounting guidance related to accounting for uncertainty in income taxes, which sets out a consistent framework to determine the appropriate level of tax reserves to maintain for uncertain tax positions. Income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability or balance sheet method. Under this method, the net deferred tax asset or liability is based on the tax effects of the difference between the book and tax basis of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more-likely-than-not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more-likely-than-not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management's judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more-likely-than-not that some portion or all of a deferred tax asset will not be realized. The Company recognizes interest and penalties on income taxes as a component of income tax expense. No uncertain tax positions were recorded in 2016 or 2015.
EARNINGS PER COMMON SHARE	EARNINGS PER COMMON SHARE Basic earnings per share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during the period. Diluted earnings per share reflects additional potential common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate to outstanding stock options and shares to be issued as part of the employee stock purchase plan and are determined using the treasury stock method.
TRUST ASSETS AND INCOME	TRUST ASSETS AND INCOME Securities and other property held by Trust in a fiduciary or agency capacity are not assets of the Company and are not included in the accompanying Consolidated Financial Statements.
ADVERTISING EXPENSES	ADVERTISING EXPENSES Advertising expenses are expensed as incurred. Advertising expense for the years ended 2016 and 2015 was $273 thousand and $217 thousand, respectively.
COMPREHENSIVE INCOME	COMPREHENSIVE INCOME Comprehensive income consists of net income and other comprehensive income (loss). Other comprehensive income (loss) includes unrealized gains and losses on securities available-for-sale, unrealized losses on securities transferred from available-for-sale to held-to-maturity, and unrealized losses related to changes in the funded status of the pension plan which are also recognized as separate components of equity.
FAIR VALUE OF FINANCIAL INSTRUMENTS	FAIR VALUE OF FINANCIAL INSTRUMENTS Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 16. Fair value estimates involve uncertainties and matters of significant judgment. Changes in assumptions or in market conditions could significantly affect the estimates.
RECENT ACCOUNTING PRONOUNCEMENTS	RECENT ACCOUNTING PRONOUNCEMENTS In 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) Require 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) Require public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes. 3) Require separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (i.e., securities or loans and receivables). 4) Eliminate 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. During June 2016, the FASB issued ASU No. 2016-13, "Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments". The amendments in this ASU, among other things, require the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. In addition, the ASU amends the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. The amendments in this ASU are effective for Securities and Exchange Commission (SEC) filers for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. For public companies that are not SEC filers, the amendments in this ASU are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2020. The Company is currently assessing the impact that ASU 2016-13 will have on its consolidated financial statements. During August 2016, the FASB issued ASU No. 2016-15, "Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments", to address diversity in how certain cash receipts and cash payments are presented and classified in the statement of cash flows. The amendments are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. The amendments should be applied using a retrospective transition method to each period presented. If retrospective application is impractical for some of the issues addressed by the update, the amendments for those issues would be applied prospectively as of the earliest date practicable. Early adoption is permitted, including adoption in an interim period. The Company does not expect the adoption of ASU 2016-15 to have a material impact on its consolidated financial statements. During January 2017, the FASB issued ASU No. 2017-01, "Business Combinations (Topic 805): Clarifying the Definition of a Business". The amendments in this ASU clarify the definition of a business with the objective of adding guidance to assist entities with evaluating whether transactions should be accounted for as acquisitions (or disposals) of assets or businesses. Under the current implementation guidance in Topic 805, there are three elements of a business—inputs, processes, and outputs. While an integrated set of assets and activities (collectively referred to as a "set") that is a business usually has outputs, outputs are not required to be present. In addition, all the inputs and processes that a seller uses in operating a set are not required if market participants can acquire the set and continue to produce outputs. The amendments in this ASU provide a screen to determine when a set is not a business. If the screen is not met, the amendments (1) require that to be considered a business, a set must include, at a minimum, an input and a substantive process that together significantly contribute to the ability to create output and (2) remove the evaluation of whether a market participant could replace missing elements. The ASU provides a framework to assist entities in evaluating whether both an input and a substantive process are present. The amendments in this ASU are effective for annual periods beginning after December 15, 2017, including interim periods within those annual periods. The amendments in this ASU should be applied prospectively on or after the effective date. No disclosures are required at transition. The Company does not expect the adoption of ASU 2017-01 to have a material impact on its consolidated financial statements. During January 2017, the FASB issued ASU No. 2017-04, "Intangibles – Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment". The amendments in this ASU simplify how an entity is required to test goodwill for impairment by eliminating Step 2 from the goodwill impairment test. Step 2 measures a goodwill impairment loss by comparing the implied fair value of a reporting unit's goodwill with the carrying amount of that goodwill. Instead, under the amendments in this ASU, an entity should perform its annual, or interim, goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. An entity still has the option to perform the qualitative assessment for a reporting unit to determine if the quantitative impairment test is necessary. Public business entities that are SEC filers should adopt the amendments in this ASU for annual or interim goodwill impairment tests in fiscal years beginning after December 15, 2019. Public business entities that are not SEC filers should adopt the amendments in this ASU for annual or interim goodwill impairment tests in fiscal years beginning after December 15, 2020. Early adoption is permitted for interim or annual goodwill impairment tests performed on testing dates after January 1, 2017. The Company does not expect the adoption of ASU 2017-04 to have a material impact on its consolidated financial statements.

Securities Portfolio (Tables)

Securities Portfolio (Tables)	12 Months Ended
	Dec. 31, 2016
Securities Portfolio [Abstract]
Amortized Costs and Fair Value of Securities Held-to-Maturity	The Company had no held-to-maturity-securities at December 31, 2016 or December 31, 2015 due to a decision in February of 2016 to transfer the portfolio to available-for-sale to allow for greater liquidity and flexibility in the future. Although the decision was made after December 31, 2015, the transfer was effective dated back to year-end as the primary difference between held-to-maturity and available-for-sale is management's intent to hold the securities to maturity. The transfer in 2016 demonstrated a change in management's intent as of year-end.
Amortized Costs and Fair Value of Securities Available-for-Sale	The amortized cost and fair value, with gross unrealized gains and losses, of securities available-for-sale were: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (in thousands) December 31, 2016 U.S. Treasury securities $ 20,000 $ 0 $ 0 $ 20,000 Obligations of U.S. Government agencies 9,361 0 (166 ) 9,195 Obligations of state and political subdivisions 78,645 358 (1,016 ) 77,987 Mortgage-backed securities 85,649 18 (1,973 ) 83,694 Money market investments 647 0 0 647 Corporate bonds and other securities 7,598 92 (12 ) 7,678 Other marketable equity securities 100 64 0 164 Total $ 202,000 $ 532 $ (3,167 ) $ 199,365 December 31, 2015 U.S. Treasury securities $ 0 $ 0 $ 0 $ 0 Obligations of U.S. Government agencies 24,353 1 (114 ) 24,240 Obligations of state and political subdivisions 77,223 1,323 (113 ) 78,433 Mortgage-backed securities 109,360 0 (1,964 ) 107,396 Money market investments 631 0 0 631 Corporate bonds and other securities 3,397 4 (8 ) 3,393 Other marketable equity securities 100 0 (1 ) 99 Total $ 215,064 $ 1,328 $ (2,200 ) $ 214,192
Amortized Cost and Fair Value of Securities by Contractual Maturity	The amortized cost and fair value of securities by contractual maturity are shown below. December 31, 2016 Available-for-Sale Amortized Cost Fair Value (in thousands) Due in one year or less $ 21,801 $ 21,800 Due after one year through five years 18,471 18,435 Due after five years through ten years 48,840 48,217 Due after ten years 112,141 110,102 Total debt securities 201,253 198,554 Other securities without stated maturities 747 811 Total securities $ 202,000 $ 199,365
Information about Securities Sold	The following table provides information about securities sold in the years ended December 31: 2016 2015 (in thousands) Proceeds from sales $ 107,647 $ 23,005 Gross realized gains $ 578 $ 76 Gross realized losses $ 56 $ 0
Available-for-Sale Securities and Held-to-Maturity Securities, Continuous Unrealized Loss Position	The following table shows the number of securities with unrealized losses, the gross unrealized losses and fair value of the Company's investments with unrealized losses that are deemed to be temporarily impaired, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, as of the dates indicated: December 31, 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 Obligations of U.S. Government agencies $ 166 $ 9,195 $ 0 $ 0 $ 166 $ 9,195 6 Obligations of state and political subdivisions 1,016 38,020 0 0 1,016 38,020 56 Mortgage-backed securities 1,973 80,680 0 0 1,973 80,680 23 Corporate bonds and other securities 11 1,787 1 100 12 1,887 13 Total securities available-for-sale $ 3,166 $ 129,682 $ 1 $ 100 $ 3,167 $ 129,782 98 December 31, 2015 Less Than Twelve Months More Than Twelve Months Total Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Number of Securities (dollars in thousands) Securities Available-for-Sale Obligations of U. S. Government agencies $ 0 $ 0 $ 114 $ 3,940 $ 114 $ 3,940 2 Obligations of state and political subdivisions 42 4,177 71 3,545 113 7,722 13 Mortgage-backed securities 848 62,698 1,116 44,698 1,964 107,396 13 Corporate bonds and other securities 6 2,091 2 198 8 2,289 16 Other marketable equity securities 1 99 0 0 1 99 1 Total securities available-for-sale $ 897 $ 69,065 $ 1,303 $ 52,381 $ 2,200 $ 121,446 45

Loans and the Allowance for L30

Loans and the Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 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: December 31, 2016 December 31, 2015 (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 94,827 $ 96,997 Commercial 285,429 277,758 Construction 23,116 19,685 Second mortgages 17,128 15,148 Equity lines of credit 51,024 47,256 Total mortgage loans on real estate 471,524 456,844 Commercial loans 54,434 43,197 Consumer loans 58,907 50,427 Other 19,017 18,007 Total loans 603,882 568,475 Less: Allowance for loan losses (8,245 ) (7,738 ) Loans, net of allowance and deferred fees (1) $ 595,637 $ 560,737 (1) Net deferred loan fees totaled $522 thousand and $407 thousand at December 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 $536 thousand and $648 thousand at December 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 December 31, 2016 Pass OAEM Substandard Total (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 92,458 $ 1,138 $ 1,231 $ 94,827 Commercial 260,948 10,014 14,467 285,429 Construction 22,219 162 735 23,116 Second mortgages 16,445 475 208 17,128 Equity lines of credit 50,387 500 137 51,024 Total mortgage loans on real estate 442,457 12,289 16,778 471,524 Commercial loans 49,979 2,278 2,177 54,434 Consumer loans 58,741 0 166 58,907 Other 19,017 0 0 19,017 Total $ 570,194 $ 14,567 $ 19,121 $ 603,882 Credit Quality Information As of December 31, 2015 Pass OAEM Substandard Total (in thousands) 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
Past Due Loans	AGE ANALYSIS OF PAST DUE LOANS BY CLASS All classes of loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Interest and fees continue to accrue on past due loans until the date the loan is placed in nonaccrual status, if applicable. The following table includes an aging analysis of the recorded investment in past due loans as of the dates indicated. Also included in the table below are loans that are 90 days or more past due as to interest and principal and still accruing interest, because they are well-secured and in the process of collection. Loans in nonaccrual status that are also past due are included in the aging categories in the table below. Age Analysis of Past Due Loans as of December 31, 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 $ 564 $ 0 $ 496 $ 1,060 $ 93,767 $ 94,827 $ 218 Commercial 2,280 1,625 227 4,132 281,297 285,429 0 Construction 162 0 0 162 22,954 23,116 0 Second mortgages 0 200 188 388 16,740 17,128 58 Equity lines of credit 394 9 86 489 50,535 51,024 0 Total mortgage loans on real estate 3,400 1,834 997 6,231 465,293 471,524 276 Commercial loans 5 0 86 91 54,343 54,434 0 Consumer loans 1,876 713 2,684 5,273 53,634 58,907 2,603 Other 41 12 5 58 18,959 19,017 5 Total $ 5,322 $ 2,559 $ 3,772 $ 11,653 $ 592,229 $ 603,882 $ 2,884 (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 $4.8 million at December 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.
Nonaccrual Loans	The following table presents loans in nonaccrual status by class of loan as of the dates indicated: Nonaccrual Loans by Class December 31, 2016 December 31, 2015 (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 598 $ 1,457 Commercial 6,033 2,623 Second mortgages 129 226 Equity lines of credit 87 0 Total mortgage loans on real estate 6,847 4,306 Commercial loans 231 276 Consumer loans 81 0 Total $ 7,159 $ 4,582
Interest Income to be Earned under the Original 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: Years Ended December 31, 2016 2015 (in thousands) Interest income that would have been recorded under original loan terms $ 318 $ 196 Actual interest income recorded for the period 269 141 Reduction in interest income on nonaccrual loans $ 49 $ 55
Troubled Debt Restructurings by Class	The following table presents TDRs during the period indicated, by class of loan: Troubled Debt Restructurings by Class For the Year Ended December 31, 2016 Number of Modifications Recorded Investment Prior to Modification Recorded Investment After Modification Current Investment on December 31, 2016 (dollars in thousands) Mortgage loans on real estate: Residential 1-4 family 6 $ 1,061 $ 1,061 $ 992 Commercial 1 150 150 0 Second mortgages 1 53 53 53 Equity lines of credit 1 93 93 86 Total mortgage loans on real estate 9 $ 1,357 $ 1,357 $ 1,131 Commercial loans 1 152 152 144 Consumer loans 2 8 8 0 Total 12 $ 1,517 $ 1,517 $ 1,275 Troubled Debt Restructurings by Class For the Year Ended December 31, 2015 Number of Modifications Recorded Investment Prior to Modification Recorded Investment After Modification Current Investment on December 31, 2015 (dollars in thousands) Mortgage loans on real estate: Commercial 5 $ 2,094 $ 2,594 $ 2,400 Construction 1 435 435 0 Second mortgages 1 61 61 61 Total 7 $ 2,590 $ 3,090 $ 2,461
Restructurings that Subsequently Defaulted	In the years ended December 31, 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 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 As of December 31, 2016 For the Year Ended December 31, 2016 Recorded Investment Unpaid Principal Balance Without Valuation Allowance With Valuation Allowance Associated Allowance Average Recorded Investment Interest Income Recognized (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 2,496 $ 1,835 $ 622 $ 75 $ 2,741 $ 119 Commercial 16,193 11,095 4,274 415 11,885 727 Construction 619 528 96 22 496 43 Second mortgages 526 309 141 17 511 25 Equity lines of credit 87 86 0 0 46 3 Total mortgage loans on real estate $ 19,921 $ 13,853 $ 5,133 $ 529 $ 15,679 $ 917 Commercial loans 1,077 0 989 271 827 74 Consumer loans 81 81 0 0 68 1 Total $ 21,079 $ 13,934 $ 6,122 $ 800 $ 16,574 $ 992 Impaired Loans by Class 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 (in thousands) 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	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 $8.2 million adequate to cover loan losses inherent in the loan portfolio at December 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 Year Ended December 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 (915 ) 0 (504 ) (204 ) (147 ) (1,770 ) Recoveries 79 3 197 28 40 347 Provision for loan losses 1,696 (142 ) (54 ) 352 78 1,930 Ending balance 1,493 846 5,267 455 184 8,245 Ending balance individually evaluated for impairment 271 22 507 0 0 800 Ending balance collectively evaluated for impairment 1,222 824 4,760 455 184 7,445 Ending balance 1,493 846 5,267 455 184 8,245 Loan Balances: Ending balance individually evaluated for impairment 989 624 18,362 81 0 20,056 Ending balance collectively evaluated for impairment 53,445 22,492 430,046 58,826 19,017 583,826 Ending balance $ 54,434 $ 23,116 $ 448,408 $ 58,907 $ 19,017 $ 603,882 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
Change in Allowance Methodology	The following table represents the effect on the loan loss provision as a result of these changes in methodology. It compares the methodology actually used for the year ended December 31, 2016 to that used in prior periods. Calculated Provision Based on Current Methodology Calculated Provision Based on Prior Methodology Difference (in thousands) Portfolio Segment: Commercial $ 1,696 $ 2,054 $ (358 ) Real estate - construction (142 ) (858 ) 716 Real estate - mortgage (54 ) 73 (127 ) Consumer loans 352 910 (558 ) Other 78 78 0 Total $ 1,930 $ 2,257 $ (327 )

Other Real Estate Owned (OREO)

Other Real Estate Owned (OREO) (Tables)	12 Months Ended
	Dec. 31, 2016
Other Real Estate Owned (OREO) [Abstract]
Analysis of the Balance in Foreclosed Assets	The Company holds certain parcels of real estate due to completed foreclosure proceedings on defaulted loans or the closing of former branches. An analysis of the balance in OREO is as follows: Years Ended December 31, 2016 2015 (in thousands) Balance at beginning of year $ 5,290 $ 8,014 Transfers to OREO due to foreclosure 0 553 Other additions to foreclosed properties 52 0 Closed branch locations transferred to OREO 127 0 Properties sold (3,376 ) (3,277 ) Balance at end of year $ 2,093 $ 5,290
Analysis of Valuation Allowance on Foreclosed Assets	OREOs are presented net of a valuation allowance for losses. As the fair values of OREOs change, adjustments are made to the recorded investment in the properties through the valuation allowance to ensure that all properties are recorded at the lower of cost or fair value. Properties written down in previous periods can be written back up if a current property valuation warrants the change, though never above the original cost of the property. An analysis of the valuation allowance on OREOs is as follows: Years Ended December 31, 2016 2015 (in thousands) Balance at beginning of year $ 2,549 $ 2,908 Additions and write-downs 60 1,011 Reductions due to sales or increases in value (1,583 ) (1,370 ) Balance at end of year $ 1,026 $ 2,549
Expenses Applicable to Foreclosed Assets	Expenses applicable to OREOs include the following: Years Ended December 31, 2016 2015 (in thousands) Net loss (gain) on sales of real estate $ 94 $ (54 ) Provision for losses (net write-downs) 60 1,011 Operating expenses, net of income (1) 160 219 Total Expenses $ 314 $ 1,176 (1) Included in other operating income and other operating expense on the Consolidated Statements of Income.

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2016
Premises and Equipment [Abstract]
Schedule of Premises and Equipment	Premises and equipment consisted of the following at December 31: 2016 2015 (in thousands) Land $ 7,663 $ 7,688 Buildings 37,890 37,848 Construction in process 43 555 Leasehold improvements 852 852 Furniture, fixtures and equipment 19,220 18,303 65,668 65,246 Less accumulated depreciation and amortization 26,344 23,964 $ 39,324 $ 41,282
Minimum Rental Commitment due under Noncancellable Leases	The total approximate minimum rental commitment at December 31, 2016 under noncancellable leases is $632 thousand which is due as follows (in thousands): 2017 $ 236 2018 169 2019 150 2020 77 Total $ 632

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2016
Deposits [Abstract]
Maturities of Time Deposits	At December 31, 2016 the scheduled maturities of time deposits (in thousands) are as follows : 2017 $ 99,128 2018 23,173 2019 29,632 2020 40,737 2021 18,739 Total $ 211,409

Short Term and Long Term Borr34

Short Term and Long Term Borrowings (Tables)	12 Months Ended
	Dec. 31, 2016
Short Term and Long Term Borrowings [Abstract]
Contractual Maturities of Long-term Debt	Long-term debt as of December 31, 2015 was as follows: Fixed Weighted Rate Total Avg Rate (in thousands) Due in 2016 $ 25,000 $ 25,000 4.83 % Total long-term debt $ 25,000 $ 25,000 4.83 %

Stock Option Plan (Tables)

Stock Option Plan (Tables)	12 Months Ended
	Dec. 31, 2016
Stock Option Plan [Abstract]
Stock Option Plan Activity	Stock option plan activity for the year ended December 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 0.00 Exercised (1,250 ) 20.05 Canceled or expired (13,105 ) 20.05 Options outstanding, December 31, 2016 60,605 $ 20.05 0.79 $ 300 Options exercisable, December 31, 2016 60,605 $ 20.05 0.79 $ 300
Information Pertaining to Options Outstanding	Information pertaining to options outstanding at December 31, 2016 is as follows: Options Outstanding Options Exercisable Range of Exercise Prices Number Outstanding Weighted Average Remaining Contractual Life Weighted Average Exercise Price Number Exercisable Weighted Average Exercise Price $ 20.05 60,605 0.79 $ 20.05 60,605 $ 20.05

Stockholders' Equity and Earn36

Stockholders' Equity and Earnings per Common Share (Tables)	12 Months Ended
	Dec. 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: Years Ended December 31, Affected Line Item on 2016 2015 (in thousands) Available-for-sale securities Realized gains (losses) on sales of securities $ 522 $ 76 Gain (loss) on sale of available-for-sale securities, net Tax effect 177 26 Income tax (benefit) expense $ 345 $ 50 Defined-benefit pension plan Amortization of actuarial loss (1) $ (504 ) $ (390 ) Salaries and employee benefits Tax effect (171 ) (133 ) Income tax benefit $ (333 ) $ (257 ) Total reclassifications for the period $ 12 $ (207 ) (1) This accumulated other comprehensive loss component is included in the computation of net periodic pension cost (see Note 14. Pension Plan and 401(k) Plan for additional details).
Other Comprehensive Income	The following table presents the changes in accumulated other comprehensive loss, by category, net of tax, for the periods indicated: Unrealized Gains (Losses) on Available-for-Sale Securities Unrealized Losses on Securities Transferred from Available-for-Sale to Held-to-Maturity (1) Defined Benefit Pension Plans Accumulated Other Comprehensive Loss (in thousands) Balance at December 31, 2014 $ (78 ) $ (3,386 ) $ (2,429 ) $ (5,893 ) Net change for the year ended December 31, 2015 (498 ) 3,386 (157 ) 2,731 Balance at December 31, 2015 (576 ) 0 (2,586 ) (3,162 ) Net change for the year ended December 31, 2016 (1,163 ) 0 117 (1,046 ) Balance at December 31, 2016 $ (1,739 ) $ 0 $ (2,469 ) $ (4,208 ) (1) Net change for the year ended December 31, 2015 represents reclassification due to the transfer of securities held-to-maturity to available-for-sale. See Note 3. Securities.
Component of Other Comprehensive Income on a Pre-Tax and After-Tax	The following table presents the change in each component of other comprehensive income (loss) on a pre-tax and after-tax basis for the periods indicated. Year Ended December 31, 2016 Pretax Tax Effect Net-of-Tax (in thousands) Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (1,240 ) $ (422 ) $ (818 ) Reclassification adjustment for gains recognized in income (522 ) (177 ) (345 ) Net unrealized losses on securities (1,762 ) (599 ) (1,163 ) Defined benefit pension plans: Net actuarial loss for the period (327 ) (111 ) (216 ) Amortization of actuarial loss from prior period 504 171 333 Net change 177 60 117 Total change in accumulated other comprehensive loss $ (1,585 ) $ (539 ) $ (1,046 ) Year Ended December 31, 2015 Pretax Tax Effect Net-of-Tax (in thousands) Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (679 ) $ (231 ) $ (448 ) Reclassification adjustment for gains recognized in income (76 ) (26 ) (50 ) Net change (755 ) (257 ) (498 ) Unrealized losses on securities transferred from available-for-sale to held-to-maturity: Elimination upon transfer back to available-for-sale 4,197 1,427 2,770 Amortization 934 318 616 Net change 5,131 1,745 3,386 Defined benefit pension plans: Net actuarial loss for the period (627 ) (213 ) (414 ) Amortization of actuarial loss from prior period 390 133 257 Net change (237 ) (80 ) (157 ) Total change in accumulated other comprehensive loss $ 4,139 $ 1,408 $ 2,731
Computation of Earnings Per Share	Earnings per common share has been computed based on the following: Years Ended December 31, 2016 2015 (dollars in thousands) Net income (in thousands) $ 3,797 $ 3,634 Average number of common shares outstanding 4,959,173 4,959,009 Effect of dilutive options 1,761 0 Average number of common shares outstanding used to calculate diluted earnings per common share 4,960,934 4,959,009

Related Party Transactions (Tab

Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2016
Related Party Transactions [Abstract]
Schedule of Annual activity	Annual activity consisted of the following: 2016 2015 (in thousands) Balance, beginning of year $ 4,429 $ 5,787 Additions 110 4 Reductions (185 ) (1,362 ) Balance, end of year $ 4,354 $ 4,429

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2016
Income Taxes [Abstract]
Components of Income Tax Expense	The components of income tax expense for the current and prior year-ends are as follows: 2016 2015 (in thousands) Current income tax expense $ 179 $ 281 Deferred income tax benefit (19 ) (227 ) Reported income tax expense $ 160 $ 54
Reconciliation of "Expected" Federal Income Tax Expense	A reconciliation of the expected federal income tax expense on income before income taxes with the reported income tax expense for the same periods follows: Years Ended December 31, 2016 2015 (in thousands) Expected tax expense (34%) $ 1,345 $ 1,254 Interest expense on tax-exempt assets 15 22 Low-income housing tax credits (384 ) (274 ) Tax-exempt interest (608 ) (654 ) Bank-owned life insurance (270 ) (301 ) Other, net 62 7 Reported income tax expense $ 160 $ 54
Components of Net Deferred Tax Asset	The components of the net deferred tax asset, included in other assets, are as follows: December 31, 2016 2015 (in thousands) Deferred tax assets: Allowance for loan losses $ 2,803 $ 2,631 Interest on nonaccrual loans 71 67 Other real estate owned 349 867 Pension - other comprehensive income 1,272 1,332 Bank owned life insurance benefit 94 88 Charitable contributions carried forward 1 109 Net unrealized loss on securities available-for-sale 896 297 Unexercised nonqualified options 36 36 Alternative minimum tax 1,019 610 Deferred benefits and compensation 256 347 Other 89 78 $ 6,886 $ 6,462 Deferred tax liabilities: Depreciation $ (822 ) $ (854 ) Accretion of discounts on securities (1 ) (1 ) Deferred loan fees and costs (325 ) (293 ) Pension (740 ) (874 ) (1,888 ) (2,022 ) Net deferred tax assets $ 4,998 $ 4,440

Pension Plan (Tables)

Pension Plan (Tables)	12 Months Ended
	Dec. 31, 2016
Pension Plan [Abstract]
Schedule of Net Funded Status	Information pertaining to the activity in the plan, using a measurement date of December 31, is as follows: Years ended December 31, 2016 2015 (in thousands) Change in benefit obligation Benefit obligation at beginning of year $ 7,039 $ 7,104 Service cost 0 0 Interest cost 279 260 Benefits paid (461 ) (294 ) Actuarial (gain) loss 205 (31 ) Benefit obligation at end of year $ 7,062 $ 7,039 Change in plan assets Fair value of plan assets at beginning of year $ 5,691 $ 5,268 Actual return on plan assets 269 (283 ) Employer contribution 0 1,000 Benefits paid (461 ) (294 ) Fair value of plan assets at end of year $ 5,499 $ 5,691 Funded Status at end of year $ (1,563 ) $ (1,348 )
Schedule of Amounts Recognized in Consolidated Balance Sheet and Other Comprehensive Income	December 31, 2016 2015 (in thousands) Amounts recognized in the consolidated balance sheets Accrued pension liability $ (1,563 ) $ (1,348 ) Amounts recognized in other comprehensive income (loss) Loss $ 3,741 $ 3,918 Deferred taxes (1,272 ) (1,332 ) Net loss $ 2,469 $ 2,586 Accumulated benefit obligation $ 7,062 $ 7,039
Assumptions Used to Determine Benefit Obligations and Net Periodic Pension Cost	Assumptions used to determine the benefit obligations at December 31, 2016 2015 Discount rate 3.86% 4.03% During the years ending December 31, Weighted-average assumptions used to determine net periodic pension cost 2016 2015 Discount rate 4.03% 3.73% Expected long-term rate of return on plan assets 7.00% 7.00%
Schedule of Net Periodic Pension Cost and Other Amounts Recognized in Other Comprehensive Income	Years ended December 31, 2016 2015 Components of net periodic pension cost (in thousands) Interest cost $ 279 $ 260 Expected return on plan assets (391 ) (376 ) Amortization of unrecognized loss 504 390 Net periodic pension cost $ 392 $ 274 Components of other amounts recognized in other comprehensive income (loss) Net actuarial (gain) loss $ 327 $ 627 Settlement loss 0 0 Amortization of actuarial loss (504 ) (390 ) Total recognized in other comprehensive income (loss) $ (177 ) $ 237 Total recognized in net periodic benefit cost and other comprehensive income (loss) $ 215 $ 511
Fair Value of Pension Plan Assets	Fair value is discussed in detail in Note 16. The fair value of the Company's pension plan assets by asset category are as follows: Assets at Fair Value as of December 31, 2016 Asset Category Level 1 Level 2 Level 3 Total (in thousands) Money market funds $ 2,839 $ 0 $ 0 $ 2,839 Mutual funds 0 0 0 0 Common stock 1,129 0 0 1,129 Corporate bonds 0 1,472 0 1,472 Partnerships 0 59 0 59 Total assets at fair value $ 3,968 $ 1,531 $ 0 $ 5,499 Assets at Fair Value as of December 31, 2015 Asset Category Level 1 Level 2 Level 3 Total (in thousands) Money market funds $ 654 $ 0 $ 0 $ 654 Mutual funds 74 0 0 74 Common stock 2,766 0 0 2,766 Corporate bonds 0 2,133 0 2,133 Partnerships 0 64 0 64 Total assets at fair value $ $3,494 $ $2,197 $ $0 $ $5,691
Estimated Future Benefit Payments	Estimated future benefit payments, which reflect expected future service, as appropriate, are as follows (in thousands): 2017 $ 256 2018 273 2019 288 2020 348 2021 351 Thereafter 2,106 Total $ 3,622

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2016
Commitments and Contingencies [Abstract]
Financial Instruments whose Contract Amounts Represent Credit Risk	The following financial instruments whose contract amounts represent credit risk were outstanding at December 31: 2016 2015 (in thousands) Commitments to extend credit: Home equity lines of credit $ 47,243 $ 41,995 Commercial real estate, construction and development loans committed but not funded 15,948 18,113 Other lines of credit (principally commercial) 81,966 73,213 Total $ 145,157 $ 133,321 Letters of credit $ 3,597 $ 3,473

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2016
Fair Value Measurements [Abstract]
Assets Measured at Fair Value on Recurring Basis	The following table presents the balances of certain assets measured at fair value on a recurring basis as of the dates indicated: Fair Value Measurements at December 31, 2016 Using Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Description Balance (in thousands) Available-for-sale securities U.S. Treasury securities $ 20,000 $ 0 $ 20,000 $ 0 Obligations of U.S. Government agencies 9,195 0 9,195 0 Obligations of state and political subdivisions 77,987 0 77,987 0 Mortgage-backed securities 83,694 0 83,694 0 Money market investments 647 0 647 0 Corporate bonds 7,678 0 7,678 0 Other marketable equity securities 164 0 164 0 Total available-for-sale securities $ 199,365 $ 0 $ 199,365 $ 0 Fair Value Measurements at December 31, 2015 Using Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Description Balance (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 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 loan's effective interest rate. These loans are not carried on the consolidated balance sheets at fair value and, as such, are not included in the table below. Former branch sites are carried at the lower of cost or market. Those carried at cost are not included in the table below. Carrying Value at December 31, 2016 Using Description 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 $ 400 $ 0 $ 0 $ 400 Commercial 1,483 0 0 1,483 Construction 74 0 0 74 Total mortgage loans on real estate 1,957 0 0 1,957 Commercial loans 718 0 0 718 Total $ 2,675 $ 0 $ 0 $ 2,675 Other real estate owned Construction $ 940 $ 0 $ 0 $ 940 Total $ 940 $ 0 $ 0 $ 940 Carrying Value at December 31, 2015 Using Description 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 Description Fair Value at December 31, 2016 (dollars in thousands) Valuation Techniques Unobservable Input Range (Average) Impaired loans Residential 1-4 family real estate $ 400 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Commercial real estate 1,483 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Construction 74 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Commercial 718 Market comparables Selling costs 0.00 % Liquidation discount 0.00% - 38.58% (32.40 %) Other real estate owned Construction 940 Market comparables Selling costs 7.25 % Liquidation discount 0.00 % Quantitative Information About Level 3 Fair Value Measurements Description Fair Value at December 31, 2015 (dollars in thousands) Valuation Techniques Unobservable Input Range (Average) Impaired loans Residential 1-4 family real estate $ 952 Market comparables Selling costs 7.25 % Liquidation discount 0.00% - 4.00% (3.75 %) Commercial real estate 267 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Construction 62 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Other real estate owned Residential 1-4 family 724 Market comparables Selling costs 7.25 % Liquidation discount 4.00% - 7.17% (4.79 %) Commercial 927 Market comparables Selling costs 7.25 % Liquidation discount 4.00% - 24.70% (11.77 %) Construction 1,090 Market comparables Selling costs 6.72 % Liquidation discount 33.05 %
Estimated Fair Values and Related Carrying or Notional Amounts of Financial Instruments	The estimated fair values, and related carrying or notional amounts, of the Company's financial instruments as of the dates indicated are as follows: Fair Value Measurements at December 31, 2016 Using Description 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 $ 25,854 $ 25,854 $ 0 $ 0 Securities available-for-sale 199,365 0 199,365 0 Restricted securities 970 0 970 0 Loans, net of allowances for loan losses 595,637 0 0 594,190 Bank owned life insurance 25,206 0 25,206 0 Accrued interest receivable 3,189 0 3,189 0 Liabilities Deposits $ 784,502 $ 0 $ 783,450 $ 0 Overnight repurchase agreements 18,704 0 18,704 0 Accrued interest payable 228 0 228 0 Fair Value Measurements at December 31, 2015 Using Description 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

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2016
Regulatory Matters [Abstract]
Actual and Required Capital Amounts and Ratios	As of December 31, 2016, the most recent notification from the Comptroller categorized the Bank as well-capitalized under the regulatory framework for prompt corrective action. To be categorized as well-capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based, common equity tier 1 risk-based and Tier 1 leverage ratios as set forth in the following tables. There are no conditions or events since the notification that management believes have changed the Bank's category. The Company's and the Bank's actual capital amounts and ratios as of December 31, 2016 and 2015 are also presented in the table. Capital Minimum Capital Requirement Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio (dollars in thousands) December 31, 2016: Total Capital to Risk Weighted Assets: Consolidated $ 106,443 14.51 % $ 63,263 8.625 % N/A N/A Old Point National Bank 98,237 13.47 % 62,909 8.625 % $ 72,938 10.00 % Tier 1 Capital to Risk Weighted Assets: Consolidated 98,198 13.39 % 48,593 6.625 % N/A N/A Old Point National Bank 89,992 12.34 % 48,321 6.625 % 58,350 8.00 % Common Equity Tier 1 Capital to Risk Weighted Assets: Consolidated 98,198 13.39 % 37,591 5.125 % N/A N/A Old Point National Bank 89,992 12.34 % 37,381 5.125 % 47,410 6.50 % Tier 1 Capital to Average Assets: Consolidated 98,198 10.68 % 36,768 4.000 % N/A N/A Old Point National Bank 89,992 9.85 % 36,549 4.000 % 45,686 5.00 % December 31, 2015: Total Capital to Risk Weighted Assets: Consolidated $ 104,076 14.89 % $ 55,910 8.00 % N/A N/A Old Point National Bank 96,079 13.83 % 55,589 8.00 % $ 69,486 10.00 % Tier 1 Capital to Risk Weighted Assets: Consolidated 96,338 13.78 % 41,932 6.00 % N/A N/A Old Point National Bank 88,341 12.71 % 41,692 6.00 % 55,589 8.00 % Common Equity Tier 1 Capital to Risk Weighted Assets: Consolidated 96,338 13.78 % 31,449 4.50 % N/A N/A Old Point National Bank 88,341 12.71 % 31,269 4.50 % 45,166 6.50 % Tier 1 Capital to Average Assets: Consolidated 96,338 10.93 % 35,260 4.00 % N/A N/A Old Point National Bank 88,341 10.06 % 35,124 4.00 % 43,905 5.00 %

Segment Reporting (Tables)

Segment Reporting (Tables)	12 Months Ended
	Dec. 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 years ended December 31 follows: 2016 Bank Trust Unconsolidated Parent Eliminations Consolidated (in thousands) Revenues Interest and dividend income $ 29,765 $ 61 $ 4,590 $ (4,590 ) $ 29,826 Income from fiduciary activities 0 3,560 0 0 3,560 Other income 9,058 910 200 (262 ) 9,906 Total operating income 38,823 4,531 4,790 (4,852 ) 43,292 Expenses Interest expense 2,574 0 0 0 2,574 Provision for loan losses 1,930 0 0 0 1,930 Salaries and employee benefits 16,801 2,671 406 0 19,878 Other expenses 13,179 1,041 995 (262 ) 14,953 Total operating expenses 34,484 3,712 1,401 (262 ) 39,335 Income before taxes 4,339 819 3,389 (4,590 ) 3,957 Income tax expense (benefit) 288 280 (408 ) 0 160 Net income $ 4,051 $ 539 $ 3,797 $ (4,590 ) $ 3,797 Capital expenditures $ 887 $ 4 $ 0 $ 0 $ 891 Total assets $ 897,966 $ 5,761 $ 93,998 $ (94,759 ) $ 902,966 2015 Bank Trust Unconsolidated Parent Eliminations Consolidated (in thousands) Revenues Interest and dividend income $ 30,242 $ 54 $ 4,009 $ (4,010 ) $ 30,295 Income from fiduciary activities 0 3,617 0 0 3,617 Other income 8,548 1,032 200 (261 ) 9,519 Total operating income 38,790 4,703 4,209 (4,271 ) 43,431 Expenses Interest expense 3,633 0 0 (1 ) 3,632 Provision for loan losses 1,025 0 0 0 1,025 Salaries and employee benefits 17,630 2,685 432 0 20,747 Other expenses 13,254 1,010 336 (261 ) 14,339 Total operating expenses 35,542 3,695 768 (262 ) 39,743 Income before taxes 3,248 1,008 3,441 (4,009 ) 3,688 Income tax expense (benefit) (96 ) 343 (193 ) 0 54 Net income $ 3,344 $ 665 $ 3,634 $ (4,009 ) $ 3,634 Capital expenditures $ 1,682 $ 74 $ 0 $ 0 $ 1,756 Total assets $ 891,877 $ 5,694 $ 93,191 $ (93,975 ) $ 896,787

Condensed Financial Statement44

Condensed Financial Statements of Parent Company (Tables)	12 Months Ended
	Dec. 31, 2016
Condensed Financial Statements of Parent Company [Abstract]
Balance Sheets	Financial information pertaining to Old Point Financial Corporation (parent company only) is as follows: December 31, Balance Sheets 2016 2015 (in thousands) Assets Cash and cash equivalents $ 2,366 $ 2,198 Securities available-for-sale 164 99 Investment in common stock of subsidiaries 91,437 90,836 Other assets 31 58 Total assets $ 93,998 $ 93,191 Liabilities and Stockholders' Equity Note payable - subsidiary $ 8 $ 15 Common stock 24,806 24,795 Additional paid-in capital 16,427 16,392 Retained earnings 56,965 55,151 Accumulated other comprehensive loss (4,208 ) (3,162 ) Total liabilities and stockholders' equity $ 93,998 $ 93,191
Statements of Income	Years Ended December 31, Statements of Income 2016 2015 (in thousands) Income: Dividends from subsidiaries $ 2,900 $ 2,900 Other income 200 200 Total income 3,100 3,100 Expenses: Salaries and benefits 406 432 Legal expenses 774 180 Service fees 166 137 Other operating expenses 55 19 Total expenses 1,401 768 Income before income taxes and equity in undistributed net income of subsidiaries 1,699 2,332 Income tax benefit (408 ) (193 ) 2,107 2,525 Equity in undistributed net income of subsidiaries 1,690 1,109 Net income $ 3,797 $ 3,634
Statements of Cash Flows	Years Ended December 31, Statements of Cash Flows 2016 2015 (in thousands) Cash flows from operating activities: Net income $ 3,797 $ 3,634 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries (1,690 ) (1,109 ) (Increase) decrease in other assets 5 (5 ) Increase (decrease) in other liabilities (7 ) 15 Net cash provided by operating activities 2,105 2,535 Cash flows from investing activities: 0 0 Cash flows from financing activities: Proceeds from sale of stock 46 0 Cash dividends paid on common stock (1,983 ) (1,686 ) Net cash used in financing activities (1,937 ) (1,686 ) Net increase in cash and cash equivalents 168 849 Cash and cash equivalents at beginning of year 2,198 1,349 Cash and cash equivalents at end of year $ 2,366 $ 2,198 Supplemental schedule of noncash transactions: Unrealized gain (loss) on securities available-for-sale $ 64 $ (1 )

Significant Accounting Polici45

Significant Accounting Policies (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2016USD ($)SubsidiaryBranchEntity	Dec. 31, 2015USD ($)
NATURE OF OPERATIONS [Abstract]
Number of subsidiaries | Subsidiary	2
Number of branch offices | Branch	18
VARIABLE INTEREST ENTITIES [Abstract]
Number of consolidated variable interest entities | Entity	0
Number of variable interest entities not primary beneficiary | Entity	1
Concentration Risk [Line Items]
Total Loans	$ 603,882	$ 568,475
Percentage of total loans	51.09%	52.32%
CASH AND CASH EQUIVALENTS [Abstract]
Maturity period of cash equivalents	90 days
INTEREST-BEARING DEPOSITS IN BANKS [Abstract]
Maturity period of interest bearing deposits	1 year
TROUBLED DEBT RESTRUCTURINGS [Abstract]
Loans classified as TDRs	$ 11,856	$ 11,188
INCOME TAXES [Abstract]
More likely than not percentage limit	50.00%
Tax benefit realization likelihood	50.00%
Advertising Expense	$ 273	217
Buildings and Equipment [Member] | Minimum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful lives	3 years
Buildings and Equipment [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful lives	39 years
Software [Member] | Minimum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful lives	3 years
Software [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful lives	5 years
Commercial Real Estate [Member]
Concentration Risk [Line Items]
Total Loans	$ 308,545	$ 297,443

Restrictions on Cash and Amou46

Restrictions on Cash and Amounts Due from Banks (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Restrictions on Cash and Amounts Due from Banks [Abstract]
Required reserve balances	$ 0	$ 0
Amount of deposits at financial institutions in excess of cash FDIC insured amount	$ 9,910	$ 25,161

Securities Portfolio (Details)

Securities Portfolio (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2016USD ($)Security	Dec. 31, 2015USD ($)Security
Amortized cost and fair value of securities held-to-maturity [Abstract]
Carrying value	$ 0	$ 0
Unamortized unrealized transfer losses		0
Amortized cost		0
Gross unrealized gains		0
Gross unrealized losses		0
Fair Value	0	0
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Losses [Abstract]
Total		0
Available-for-sale Securities and Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less Than Twelve Months	3,166	897
More Than Twelve Months	1	1,303
Total	3,167	2,200
Available-for-sale Securities and Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months	129,682	69,065
More Than Twelve Months	100	52,381
Total	$ 129,782	$ 121,446
Available-for-sale Securities and Held-to-maturity Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Number of available-for-sale and held-to-maturity securities | Security	98	45
Unamortized market adjustment on securities transferred to held-to-maturity and subsequently returned to available-for-sale	$ 0	$ 4,197
Unamortized market adjustment on securities transferred to held-to-maturity and subsequently returned to available-for-sale, tax	0	1,427
Unamortized market adjustment on securities transferred to held-to-maturity and subsequently returned to available-for-sale, net of tax	0	2,770
Carrying value of securities transferred from held-to-maturity to available-for-sale	0	85,555
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized cost	202,000	215,064
Gross unrealized gains	532	1,328
Gross unrealized losses	(3,167)	(2,200)
Fair value	199,365	214,192
Securities pledged as collateral	72,908	119,790
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	3,166	897
More Than Twelve Months	1	1,303
Total	3,167	2,200
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	129,682	69,065
More Than Twelve Months	100	52,381
Total	$ 129,782	$ 121,446
Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Number of securities available-for-sale | Security	98	45
Available-for-Sale, Amortized Cost [Abstract]
Due in one year or less	$ 21,801
Due after one year through five years	18,471
Due after five years through ten years	48,840
Due after ten years	112,141
Total debt securities	201,253
Other securities without stated maturities	747
Total securities	202,000
Available-for-Sale, Fair Value [Abstract]
Due in one year or less	21,800
Due after one year through five years	18,435
Due after five years through ten years	48,217
Due after ten years	110,102
Total debt securities	198,554
Other securities without stated maturities	811
Fair Value	199,365
Information about securities sold [Abstract]
Proceeds from sales	107,647	$ 23,005
Gross realized gains	578	76
Gross realized losses	56	0
U.S. Treasury Securities [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized cost	20,000	0
Gross unrealized gains	0	0
Gross unrealized losses	0	0
Fair value	20,000	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
Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Number of securities available-for-sale | Security	0	0
Obligations of US Government Agencies [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized cost	$ 9,361	$ 24,353
Gross unrealized gains	0	1
Gross unrealized losses	(166)	(114)
Fair value	9,195	24,240
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	166	0
More Than Twelve Months	0	114
Total	166	114
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	9,195	0
More Than Twelve Months	0	3,940
Total	$ 9,195	$ 3,940
Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Number of securities available-for-sale | Security	6	2
Obligations of States and Political Subdivisions [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized cost	$ 78,645	$ 77,223
Gross unrealized gains	358	1,323
Gross unrealized losses	(1,016)	(113)
Fair value	77,987	78,433
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	1,016	42
More Than Twelve Months	0	71
Total	1,016	113
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	38,020	4,177
More Than Twelve Months	0	3,545
Total	$ 38,020	$ 7,722
Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Number of securities available-for-sale | Security	56	13
Mortgage-backed Securities [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized cost	$ 85,649	$ 109,360
Gross unrealized gains	18	0
Gross unrealized losses	(1,973)	(1,964)
Fair value	83,694	107,396
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	1,973	848
More Than Twelve Months	0	1,116
Total	1,973	1,964
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	80,680	62,698
More Than Twelve Months	0	44,698
Total	$ 80,680	$ 107,396
Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Number of securities available-for-sale | Security	23	13
Money Market Investments [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized cost	$ 647	$ 631
Gross unrealized gains	0	0
Gross unrealized losses	0	0
Fair value	647	631
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Total	0	0
Corporate Bonds and Other Securities [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized cost	7,598	3,397
Gross unrealized gains	92	4
Gross unrealized losses	(12)	(8)
Fair value	7,678	3,393
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	11	6
More Than Twelve Months	1	2
Total	12	8
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	1,787	2,091
More Than Twelve Months	100	198
Total	$ 1,887	$ 2,289
Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Number of securities available-for-sale | Security	13	16
Other Marketable Equity Securities [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized cost	$ 100	$ 100
Gross unrealized gains	64	0
Gross unrealized losses	0	(1)
Fair value	164	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
Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Number of securities available-for-sale | Security	0	1
Obligations of US Government Agencies [Member]
Amortized cost and fair value of securities held-to-maturity [Abstract]
Carrying value		$ 0
Unamortized unrealized transfer losses		0
Amortized cost		0
Gross unrealized gains		0
Gross unrealized losses		0
Fair Value		0
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Losses [Abstract]
Total		0
Obligations of States and Political Subdivisions [Member]
Amortized cost and fair value of securities held-to-maturity [Abstract]
Carrying value		0
Unamortized unrealized transfer losses		0
Amortized cost		0
Gross unrealized gains		0
Gross unrealized losses		0
Fair Value		0
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Losses [Abstract]
Total		0
Mortgage-backed Securities [Member]
Amortized cost and fair value of securities held-to-maturity [Abstract]
Carrying value		0
Unamortized unrealized transfer losses		0
Amortized cost		0
Gross unrealized gains		0
Gross unrealized losses		0
Fair Value		0
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Losses [Abstract]
Total		$ 0

Loans and the Allowance for L48

Loans and the Allowance for Loan Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 603,882	$ 568,475
Less: Allowance for loan losses	(8,245)	(7,738)
Loans, net of allowance for loan losses	595,637	560,737
Bank overdrafts	536	648
Loans and Leases Receivable, Deferred Income, Total	522	407
Total Mortgage Loans on Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	471,524	456,844
Residential 1-4 Family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	94,827	96,997
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	285,429	277,758
Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	23,116	19,685
Second Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	17,128	15,148
Equity Line of Credit [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	51,024	47,256
Commercial Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	54,434	43,197
Consumer Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	58,907	50,427
Other [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 19,017	$ 18,007

Loans and the Allowance for L49

Loans and the Allowance for Loan Losses, Credit Quality (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	$ 603,882	$ 568,475
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	570,194	545,854
OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	14,567	7,861
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	19,121	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	471,524	456,844
Total Mortgage Loans on Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	442,457	437,252
Total Mortgage Loans on Real Estate [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	12,289	7,394
Total Mortgage Loans on Real Estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	16,778	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	94,827	96,997
Residential 1-4 Family [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	92,458	94,576
Residential 1-4 Family [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	1,138	0
Residential 1-4 Family [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	1,231	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	285,429	277,758
Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	260,948	261,749
Commercial [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	10,014	7,394
Commercial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	14,467	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	23,116	19,685
Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	22,219	18,931
Construction [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	162	0
Construction [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	735	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	17,128	15,148
Second Mortgages [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	16,445	14,835
Second Mortgages [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	475	0
Second Mortgages [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	208	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	51,024	47,256
Equity Line of Credit [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	50,387	47,161
Equity Line of Credit [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	500	0
Equity Line of Credit [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	137	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	54,434	43,197
Commercial Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	49,979	40,268
Commercial Loans [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	2,278	467
Commercial Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	2,177	2,462
Commercial Loans [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount		0
Consumer Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	58,907	50,427
Consumer Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	58,741	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	166	100
Consumer Loans [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount		0
Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	19,017	18,007
Other [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loan receivables, gross carrying amount	19,017	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

Loans and the Allowance for L50

Loans and the Allowance for Loan Losses, Past Due (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2016	Dec. 31, 2015
Loans, Aging [Abstract]
Total Past Due		$ 11,653	$ 10,581
Total Current Loans	[1]	592,229	557,894
Ending balance		603,882	568,475
Recorded Investment > 90 Days Past Due and Accruing		2,884	3,356
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		7,159	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		318	196
Actual interest income recorded for the period		269	141
Reduction in interest income on non accrual loans		49	55
Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		5,322	4,164
Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		2,559	2,553
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		3,772	3,864
Total Mortgage Loans on Real Estate [Member]
Loans, Aging [Abstract]
Total Past Due		6,231	3,502
Total Current Loans	[1]	465,293	453,342
Ending balance		471,524	456,844
Recorded Investment > 90 Days Past Due and Accruing		276	23
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		6,847	4,306
Total Mortgage Loans on Real Estate [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		3,400	1,927
Total Mortgage Loans on Real Estate [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		1,834	1,112
Total Mortgage Loans on Real Estate [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		997	463
Residential 1-4 Family [Member]
Loans, Aging [Abstract]
Total Past Due		1,060	1,626
Total Current Loans	[1]	93,767	95,371
Ending balance		94,827	96,997
Recorded Investment > 90 Days Past Due and Accruing		218	0
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		598	1,457
Residential 1-4 Family [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		564	309
Residential 1-4 Family [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		0	1,042
Residential 1-4 Family [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		496	275
Commercial [Member]
Loans, Aging [Abstract]
Total Past Due		4,132	1,320
Total Current Loans	[1]	281,297	276,438
Ending balance		285,429	277,758
Recorded Investment > 90 Days Past Due and Accruing		0	23
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		6,033	2,623
Commercial [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		2,280	1,266
Commercial [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		1,625	31
Commercial [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		227	23
Construction [Member]
Loans, Aging [Abstract]
Total Past Due		162	161
Total Current Loans	[1]	22,954	19,524
Ending balance		23,116	19,685
Recorded Investment > 90 Days Past Due and Accruing		0	0
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]
Total Past Due		162	161
Construction [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		0	0
Construction [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		0	0
Second Mortgages [Member]
Loans, Aging [Abstract]
Total Past Due		388	225
Total Current Loans	[1]	16,740	14,923
Ending balance		17,128	15,148
Recorded Investment > 90 Days Past Due and Accruing		58	0
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		129	226
Second Mortgages [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		0	21
Second Mortgages [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		200	39
Second Mortgages [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		188	165
Equity Line of Credit [Member]
Loans, Aging [Abstract]
Total Past Due		489	170
Total Current Loans	[1]	50,535	47,086
Ending balance		51,024	47,256
Recorded Investment > 90 Days Past Due and Accruing		0	0
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		87	0
Equity Line of Credit [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		394	170
Equity Line of Credit [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		9	0
Equity Line of Credit [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		86	0
Commercial Loans [Member]
Loans, Aging [Abstract]
Total Past Due		91	820
Total Current Loans	[1]	54,343	42,377
Ending balance		54,434	43,197
Recorded Investment > 90 Days Past Due and Accruing		0	164
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		231	276
Commercial Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		5	500
Commercial Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		0	88
Commercial Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		86	232
Consumer Loans [Member]
Loans, Aging [Abstract]
Total Past Due		5,273	6,186
Total Current Loans	[1]	53,634	44,241
Ending balance		58,907	50,427
Recorded Investment > 90 Days Past Due and Accruing		2,603	3,163
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		81	0
Consumer Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		1,876	1,673
Consumer Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		713	1,350
Consumer Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		2,684	3,163
Other [Member]
Loans, Aging [Abstract]
Total Past Due		58	73
Total Current Loans	[1]	18,959	17,934
Ending balance		19,017	18,007
Recorded Investment > 90 Days Past Due and Accruing		5	6
Other [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		41	64
Other [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		12	3
Other [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		5	6
Guaranteed Student Loans [Member]
Loans, Aging [Abstract]
Total Past Due		$ 4,840	$ 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 L51

Loans and the Allowance for Loan Losses, Troubled Debt Restructuring (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2016USD ($)	Dec. 31, 2016USD ($)Modification	Dec. 31, 2016USD ($)Contract	Dec. 31, 2015USD ($)	Dec. 31, 2015USD ($)Modification	Dec. 31, 2015USD ($)Contract
Financing Receivable, Modifications [Line Items]
Number of Modifications		12	12		7	7
Recorded Investment Prior to Modification	$ 1,517			$ 2,590
Recorded Investment After Modification	1,517			3,090
Current Investment	1,275	$ 1,275	$ 1,275	2,461	$ 2,461	$ 2,461
Principal forgiveness on all loans	0			0
Unfunded Commitments on TDRs	0	0	0	0	0	0
Mortgage Loans in Process of Foreclosure, Amount	10	$ 10	$ 10	53	$ 53	$ 53
Interest Rate Below Market Reduction [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Contract			12			5
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			2
Total Mortgage Loans on Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Modification		9
Recorded Investment Prior to Modification	1,357
Recorded Investment After Modification	1,357
Current Investment	1,131	$ 1,131	$ 1,131
Residential 1-4 Family [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Modification		6
Recorded Investment Prior to Modification	1,061
Recorded Investment After Modification	1,061
Current Investment	992	$ 992	992
Recorded investment in defaulting TDRs	0			0
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Modification		1			5
Recorded Investment Prior to Modification	150			2,094
Recorded Investment After Modification	150			2,594
Current Investment	0	$ 0	0	2,400	$ 2,400	$ 2,400
Construction [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Modification		0			1
Recorded Investment Prior to Modification	0			435
Recorded Investment After Modification	0			435
Current Investment	0	$ 0	0	0	$ 0	0
Second Mortgage [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Modification		1			1
Recorded Investment Prior to Modification	53			61
Recorded Investment After Modification	53			61
Current Investment	53	$ 53	53	$ 61	$ 61	$ 61
Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Modification		1
Recorded Investment Prior to Modification	93
Recorded Investment After Modification	93
Current Investment	86	$ 86	86
Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Modification		1
Recorded Investment Prior to Modification	152
Recorded Investment After Modification	152
Current Investment	144	$ 144	144
Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Modification		2
Recorded Investment Prior to Modification	8
Recorded Investment After Modification	8
Current Investment	$ 0	$ 0	$ 0

Loans and the Allowance for L52

Loans and the Allowance for Loan Losses, Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	$ 21,079	$ 14,173
Recorded Investment, Without Valuation Allowance	13,934	8,414
Recorded Investment, With Valuation Allowance	6,122	4,636
Associated Allowance	800	798
Average Recorded Investment	16,574	13,573
Interest Income Recognized	992	660
Total Mortgage Loans on Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	19,921	13,831
Recorded Investment, Without Valuation Allowance	13,853	8,195
Recorded Investment, With Valuation Allowance	5,133	4,568
Associated Allowance	529	790
Average Recorded Investment	15,679	12,608
Interest Income Recognized	917	631
Residential 1-4 Family [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	2,496	2,994
Recorded Investment, Without Valuation Allowance	1,835	1,530
Recorded Investment, With Valuation Allowance	622	1,261
Associated Allowance	75	146
Average Recorded Investment	2,741	2,267
Interest Income Recognized	119	132
Commercial [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	16,193	10,203
Recorded Investment, Without Valuation Allowance	11,095	6,166
Recorded Investment, With Valuation Allowance	4,274	3,208
Associated Allowance	415	608
Average Recorded Investment	11,885	9,305
Interest Income Recognized	727	473
Construction [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	619	99
Recorded Investment, Without Valuation Allowance	528	0
Recorded Investment, With Valuation Allowance	96	99
Associated Allowance	22	36
Average Recorded Investment	496	465
Interest Income Recognized	43	5
Second Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	526	535
Recorded Investment, Without Valuation Allowance	309	499
Recorded Investment, With Valuation Allowance	141	0
Associated Allowance	17	0
Average Recorded Investment	511	571
Interest Income Recognized	25	21
Equity Line of Credit [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	87	0
Recorded Investment, Without Valuation Allowance	86	0
Recorded Investment, With Valuation Allowance	0	0
Associated Allowance	0	0
Average Recorded Investment	46	0
Interest Income Recognized	3	0
Commercial Loans [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	1,077	330
Recorded Investment, Without Valuation Allowance	0	207
Recorded Investment, With Valuation Allowance	989	68
Associated Allowance	271	8
Average Recorded Investment	827	952
Interest Income Recognized	74	28
Consumer Loans [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	81	12
Recorded Investment, Without Valuation Allowance	81	12
Recorded Investment, With Valuation Allowance	0	0
Associated Allowance	0	0
Average Recorded Investment	68	13
Interest Income Recognized	$ 1	$ 1

Loans and the Allowance for L53

Loans and the Allowance for Loan Losses, Activity In Period (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2016USD ($)Period	Dec. 31, 2015USD ($)Period
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	$ 7,738	$ 7,075
Charges-offs	(1,770)	(897)
Recoveries	347	535
Provision for loan losses	1,930	1,025
Ending balance	8,245	7,738
Ending balances individually evaluated for impairment	800	798
Ending balances collectively evaluated for impairment	7,445	6,940
Loan Balances [Abstract]
Ending balance individually evaluated for impairment	20,056	13,050
Ending balance collectively evaluated for impairment	583,826	555,425
Ending balance	603,882	$ 568,475
Changes in Accounting Methodology [Abstract]
Calculated provision based on current methodology	1,930
Calculated provision based on prior methodology	2,257
Changes for allowance for loan losses	$ (327)
Loan Rates, Migration Analysis Period | Period	4	1
Allowance for Loan and Lease Losses, Period Increase (Decrease)	$ 77
Allowance for Loan and Lease Losses Loans Percentage	1.37%	1.36%
Commercial [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	$ 633	$ 595
Charges-offs	(915)	(293)
Recoveries	79	50
Provision for loan losses	1,696	281
Ending balance	1,493	633
Ending balances individually evaluated for impairment	271	8
Ending balances collectively evaluated for impairment	1,222	625
Loan Balances [Abstract]
Ending balance individually evaluated for impairment	989	275
Ending balance collectively evaluated for impairment	53,445	42,922
Ending balance	54,434	43,197
Changes in Accounting Methodology [Abstract]
Calculated provision based on current methodology	1,696
Calculated provision based on prior methodology	2,054
Changes for allowance for loan losses	(358)
Real Estate - Construction [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	985	703
Charges-offs	0	0
Recoveries	3	1
Provision for loan losses	(142)	281
Ending balance	846	985
Ending balances individually evaluated for impairment	22	36
Ending balances collectively evaluated for impairment	824	949
Loan Balances [Abstract]
Ending balance individually evaluated for impairment	624	99
Ending balance collectively evaluated for impairment	22,492	19,586
Ending balance	23,116	19,685
Changes in Accounting Methodology [Abstract]
Calculated provision based on current methodology	(142)
Calculated provision based on prior methodology	(858)
Changes for allowance for loan losses	716
Real Estate - Mortgage [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	5,628	5,347
Charges-offs	(504)	(321)
Recoveries	197	393
Provision for loan losses	(54)	209
Ending balance	5,267	5,628
Ending balances individually evaluated for impairment	507	754
Ending balances collectively evaluated for impairment	4,760	4,874
Loan Balances [Abstract]
Ending balance individually evaluated for impairment	18,362	12,664
Ending balance collectively evaluated for impairment	430,046	424,495
Ending balance	448,408	437,159
Changes in Accounting Methodology [Abstract]
Calculated provision based on current methodology	(54)
Calculated provision based on prior methodology	73
Changes for allowance for loan losses	(127)
Consumer [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	279	219
Charges-offs	(204)	(92)
Recoveries	28	39
Provision for loan losses	352	113
Ending balance	455	279
Ending balances individually evaluated for impairment	0	0
Ending balances collectively evaluated for impairment	455	279
Loan Balances [Abstract]
Ending balance individually evaluated for impairment	81	12
Ending balance collectively evaluated for impairment	58,826	50,415
Ending balance	58,907	50,427
Changes in Accounting Methodology [Abstract]
Calculated provision based on current methodology	352
Calculated provision based on prior methodology	910
Changes for allowance for loan losses	(558)
Other [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance	213	211
Charges-offs	(147)	(191)
Recoveries	40	52
Provision for loan losses	78	141
Ending balance	184	213
Ending balances individually evaluated for impairment	0	0
Ending balances collectively evaluated for impairment	184	213
Loan Balances [Abstract]
Ending balance individually evaluated for impairment	0	0
Ending balance collectively evaluated for impairment	19,017	18,007
Ending balance	19,017	$ 18,007
Changes in Accounting Methodology [Abstract]
Calculated provision based on current methodology	78
Calculated provision based on prior methodology	78
Changes for allowance for loan losses	0
Commercial Loan, Sub-segment [Member]
Changes in Accounting Methodology [Abstract]
Allowance for Loan and Lease Losses, Period Increase (Decrease)	(366)
Student Loans [Member]
Changes in Accounting Methodology [Abstract]
Allowance for Loan and Lease Losses, Period Increase (Decrease)	$ (38)

Other Real Estate Owned (OREO54

Other Real Estate Owned (OREO) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2016	Dec. 31, 2015
Analysis of Balance in OREO [Abstract]
Balance at beginning of year		$ 5,290	$ 8,014
Transfers to OREO due to foreclosure		0	553
Other additions to foreclosed properties		52	0
Real Estate Transferred to Other Real Estate		127	0
Properties sold		(3,376)	(3,277)
Balance at end of year		2,093	5,290
Analysis of Valuation Allowance on OREO [Roll Forward]
Balance at beginning of year		2,549	2,908
Additions and write-downs		60	1,011
Reductions due to sales or increases in value		(1,583)	(1,370)
Balance at end of year		1,026	2,549
Expenses applicable to OREOs [Abstract]
Net loss (gain) on sales of real estate		94	(54)
Provision for losses (direct writedowns)		60	1,011
Operating expenses, net of income	[1]	160	219
Total Expenses		$ 314	$ 1,176
[1]	included in other operating income and other operating expense.

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	$ 65,668	$ 65,246
Less accumulated depreciation and amortization	26,344	23,964
Premises and equipment, net	39,324	41,282
Depreciation expense	2,725	2,543
Minimum rental commitment due under noncancellable leases [Abstract]
2,016	236
2,017	169
2,018	150
2,019	77
2,020	0
Total	632
Rental expense of premises and equipment	239	270
Land [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	7,663	7,688
Buildings [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	37,890	37,848
Construction in Progress [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	43	555
Leasehold Improvements [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	852	852
Furniture, Fixtures and Equipment [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	$ 19,220	$ 18,303

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits (Details)	12 Months Ended
	Dec. 31, 2016USD ($)Fund	Dec. 31, 2015USD ($)Fund
Low-Income Housing Tax Credits [Abstract]
Number of housing equity funds | Fund	4	4
$3.9 million	$ 3,885	$ 4,185
Additional committed capital calls expected	$ 2,542	2,961
Expected expiration of investment term	2,032
Amortization Method Qualified Affordable Housing Project Investments, Amortization	$ 300,000	219,000
Tax credits received	384
Tax credits and other tax benefits recognized	$ 486	$ 365

Deposits (Details)

Deposits (Details) $ in Thousands	Dec. 31, 2016USD ($)Customer	Dec. 31, 2015USD ($)
Deposits [Abstract]
Aggregate amount of time deposits in denominations of $250 thousand or more	$ 38,136	$ 36,368
Number of single customer relationships that exceeded deposit limit | Customer	0
Percentage of total deposits	5.00%
Maturities of time deposits [Abstract]
Time Deposits Maturity in 1 Year	$ 99,128
Time Deposits Maturity in 2 Years	23,173
Time Deposits Maturity in 3 Years	29,632
Time Deposits Maturity in 4 Years	40,737
Time Deposits Maturity in 5 Years	18,739
Time Deposits Maturities, after Year Five	0
Time deposits	$ 211,409	$ 210,011

Short Term and Long Term Borr58

Short Term and Long Term Borrowings (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2016USD ($)Customer	Dec. 31, 2015USD ($)
Debt Instrument [Line Items]
Federal funds purchased	$ 0	$ 0
Available federal fund lines	55,000
Overnight repurchase agreements	$ 18,704	25,950
Number of customer relationships | Customer	4
Major customer relationship repurchase agreements maximum percentage	5.00%
Outstanding balance	$ 15,679
Percentage of repurchase agreements	83.83%
1 - 4 family residential real estate pledged loans	$ 90,317
Available credit with FHLB	270,048
Fixed Rate [Abstract]
Due in one year or less	0	0
Due after one year through five years	0	25,000
Total long-term debt	0	25,000
Total [Abstract]
Due in one year or less	0	0
Due after one year through five years	0	25,000
Total long-term debt	$ 0	$ 25,000
Maximum [Member]
Debt Instrument [Line Items]
Overnight repurchase agreements maturity period	4 days
Minimum [Member]
Debt Instrument [Line Items]
Overnight repurchase agreements maturity period	1 day
Weighted Average [Member]
Weighted Avg Rate [Abstract]
Due in one year or less	0.00%	0.00%
Due after one year through five years	0.00%	4.83%
Total long-term debt	0.00%	4.83%

Stock Option Plan (Details)

Stock Option Plan (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Stock Option Plan [Abstract]
Options maximum term period	10 years
Shares [Roll Forward]
Options outstanding, beginning of period (in shares)	74,960
Granted (in shares)	0	0
Exercised (in shares)	(1,250)
Canceled or expired (in shares)	(13,105)
Options outstanding, end of period (in shares)	60,605	74,960
Options exercisable, end of period (in shares)	60,605
Weighted Average Exercise Price [Roll Forward]
Options outstanding, beginning of period (in dollars per share)	$ 20.05
Granted (in dollars per share)	0
Exercised (in dollars per share)	20.05
Canceled or expired (in dollars per share)	20.05
Options outstanding, end of period (in dollars per share)	20.05	$ 20.05
Options exercisable, end of period (in dollars per share)	$ 20.05
Weighted Average Remaining Contractual Life (in years) [Abstract]
Options outstanding, end of period	9 months 14 days
Options exercisable, end of period	9 months 14 days
Aggregate Intrinsic Value [Abstract]
Options outstanding, end of period	$ 300
Options exercisable, end of period	300
Cash Received From Exercise of Stock Options	$ 25	$ 0
Common Stock, Capital Shares Reserved for Future Issuance	249,001	0
Share-based Compensation Arrangement by Share-based Payment Award, Shares Issued in Period	999	0
Share-based Compensation Arrangement by Share-based Payment Award, Discount from Market Price, Purchase Date	5.00%	0.00%
20.05 [Member]
Information pertaining to options outstanding [Abstract]
Range of Exercise Prices (in dollars per share)	$ 20.05
Options Outstanding, Number Outstanding (in shares)	60,605
Options Outstanding, Weighted Average Remaining Contractual Life	9 months 14 days
Options Outstanding, Weighted Average Exercise Price (in dollars per share)	$ 20.05
Options Exercisable, Number Exercisable (in shares)	60,605
Options Exercisable, Weighted Average Exercise Price (in dollars per share)	$ 20.05

Stockholders' Equity and Earn60

Stockholders' Equity and Earnings per Common Share, Amounts Reclassified Out of Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2016	Dec. 31, 2015
Available-for-sale securities [Abstract]
Gain (loss) on sale of available-for-sale securities, net		$ 522	$ 76
Reclassification adjustment for gains (losses) recognized in income, tax effect		177	26
Total		345	50
Defined-benefit pension plan [Abstract]
Salaries and employee benefits		(504)	(390)
Income tax benefit		(171)	(133)
Total		(333)	(257)
Reclassification out of Accumulated Other Comprehensive Income [Member]
Available-for-sale securities [Abstract]
Gain (loss) on sale of available-for-sale securities, net		522	76
Reclassification adjustment for gains (losses) recognized in income, tax effect		177	26
Total		345	50
Defined-benefit pension plan [Abstract]
Salaries and employee benefits	[1]	(504)	(390)
Income tax benefit		(171)	(133)
Total		(333)	(257)
Total reclassification for the period		$ 12	$ (207)
[1]	This accumulated other comprehensive loss component is included in the computation of net periodic pension cost (see NOTE 14, Pension Plan for additional details).

Stockholders' Equity and Earn61

Stockholders' Equity and Earnings per Common Share, Changes in Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2016	Dec. 31, 2015
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance		$ 93,176	$ 88,497
Ending Balance		93,990	93,176
Other comprehensive income, pretax [Abstract]
Unrealized holding gains (losses) arising during the period, pretax		(1,240)	(679)
Reclassification adjustment for gains (loss) recognized in income, pretax		(522)	(76)
Net unrealized losses on securities, pretax		(1,762)	(755)
Elimination upon transfer back to available-for-sale, pretax		0	4,197
Amortization, pretax		0	934
Net change, pretax		0	5,131
Net actuarial income (loss) for the period, pretax		(327)	(627)
Amortization of actuarial gain (loss) from prior period, pretax		504	390
Net change, pretax		177	(237)
Total change in accumulated other comprehensive income or (loss), pretax		(1,585)	4,139
Other Comprehensive Income Tax Effect [Abstract]
Unrealized holding gains (losses) arising during the period, tax effect		(422)	(231)
Reclassification adjustment for gains (losses) recognized in income, tax effect		(177)	(26)
Net unrealized losses on securities, tax effect		(599)	(257)
Elimination upon transfer back to available-for-sale, tax effect		0	1,427
Amortization, tax effect		0	318
Net change, tax effect		0	1,745
Net actuarial loss for the period, tax effect		(111)	(213)
Amortization of actuarial gain (loss) from prior period, tax effect		171	133
Net change, tax effect		60	(80)
Total change in other comprehensive income or (loss), tax effect		(539)	1,408
Other Comprehensive Income, Net of Tax [Abstract]
Unrealized holding gains (losses) arising during the period, net of tax		(818)	(448)
Reclassification adjustment for gains (losses) recognized in income, net of tax		(345)	(50)
Net unrealized losses on securities, net of tax		(1,163)	(498)
Elimination upon transfer back to available-for-sale, net of tax		0	2,770
Amortization, net of tax		0	616
Net change, net of tax		0	3,386
Net actuarial loss for the period, net of tax		(216)	(414)
Amortization of actuarial gain (loss) from prior period, net of tax		333	257
Net change, net of tax		117	(157)
Total change in other comprehensive income or (loss), net of tax		(1,046)	2,731
Unrealized Gains (Losses) on Available-for-Sale Securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance		(576)	(78)
Net change for the year		(1,163)	(498)
Ending Balance		(1,739)	(576)
Unrealized Losses on Securities Transferred from Available-for-Sale to Held-to-Maturity [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	[1]	0	(3,386)
Net change for the year	[1]	0	3,386
Ending Balance	[1]	0	0
Defined Benefit Pension Plans [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance		(2,586)	(2,429)
Net change for the year		117	(157)
Ending Balance		(2,469)	(2,586)
Accumulated Other Comprehensive Loss [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance		(3,162)	(5,893)
Net change for the year		(1,046)	2,731
Ending Balance		(4,208)	(3,162)
Other Comprehensive Income, Net of Tax [Abstract]
Total change in other comprehensive income or (loss), net of tax		$ (1,046)	$ 2,731
[1]	Net change for the year ended December 31, 2015 represents reclassification due to the transfer of securities held-to-maturity to available-for-sale. See Note 3. Securities.

Stockholders' Equity and Earn62

Stockholders' Equity and Earnings per Common Share, OCI by Component, Anti-Dilutive Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Computation of earnings per share [Abstract]
Net Income	$ 3,797	$ 3,634
Average number of common shares outstanding (in shares)	4,959,173	4,959,009
Effect of dilutive options (in shares)	1,761	0
Average number of common share outstanding used to calculate diluted earnings per common share (in shares)	4,960,934	4,959,009
Stock Options [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share (in shares)	52,000	76,000

Related Party Transactions (Det

Related Party Transactions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Related Party Transactions [Abstract]
Direct or indirect loans to Principal Shareholders, Executive Officers or Directors, Maximum (in hundredths)	10.00%
Schedule of Annual activity [Roll Forward]
Balance, beginning of year	$ 4,429	$ 5,787
Additions	110	4
Reductions	(185)	(1,362)
Balance, end of year	4,354	4,429
Deposits from related parties held by entity	$ 13,793	$ 14,394

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Components of income tax expense [Abstract]
Current income tax expense (benefit)	$ 179	$ 281
Deferred income tax expense (benefit)	(19)	(227)
Reported tax expense	160	54
Reconciliation of "expected" Federal income tax expense [Abstract]
Expected tax expense (34%)	1,345	1,254
Interest expense on tax-exempt assets	15	22
Low-income housing tax credits	(384)	(274)
Tax-exempt interest	(608)	(654)
Bank-owned life insurance	(270)	(301)
Other, net	62	7
Reported tax expense	$ 160	$ 54
Expected tax expense rate	34.00%
Effective tax rate	4.04%	1.46%
Deferred tax assets [Abstract]
Allowance for loan losses	$ 2,803	$ 2,631
Interest on nonaccrual loans	71	67
Other real estate owned	349	867
Pension - other comprehensive income	1,272	1,332
Bank owned life insurance benefit	94	88
Charitable contributions carried forward	1	109
Net unrealized loss on securities available-for-sale	896	297
Unexercised nonqualified options	36	36
Alternative minimum tax	1,019	610
Deferred benefits and compensation	256	347
Other	89	78
Total	6,886	6,462
Deferred tax liabilities [Abstract]
Depreciation	(822)	(854)
Accretion of discounts on securities	(1)	(1)
Deferred loan fees and costs	(325)	(293)
Pension	(740)	(874)
Total	(1,888)	(2,022)
Net deferred tax assets	$ 4,998	$ 4,440

Pension Plan (Details)

Pension Plan (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2016	Dec. 31, 2015
Change in benefit obligation [Roll Forward]
Benefit obligation at beginning of year	$ 7,039	$ 7,104
Service cost	0	0
Interest cost	279	260
Benefits paid	(461)	(294)
Actuarial (gain) loss	205	(31)
Benefit obligation at end of year	7,062	7,039
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	5,691	5,268
Actual return on plan assets	269	(283)
Employer contribution	0	1,000
Benefits paid	(461)	(294)
Fair value of plan assets at end of year	5,499	5,691
Funded Status at end of year	(1,563)	(1,348)
Amounts recognized in the consolidated balance sheets at December 31 [Abstract]
Accrued pension liability			$ (1,563)	$ (1,348)
Amounts recognized in other comprehensive income (loss) [Abstract]
Loss	3,741	3,918
Deferred taxes	(1,272)	(1,332)
Net loss	$ 2,469	$ 2,586
Accumulated benefit obligation			$ 7,062	$ 7,039
Assumptions used to determine the benefit obligations at December 31 [Abstract]
Discount rate			3.86%	4.03%
Weighted-average assumptions used to determine net periodic pension cost [Abstract]
Discount rate	4.03%	3.73%
Expected long-term rate of return on plan assets	7.00%	7.00%
Components of net periodic pension cost [Abstract]
Interest cost	$ 279	$ 260
Expected return on plan assets	(391)	(376)
Amortization of unrecognized loss	504	390
Settlement loss	0	0
Net periodic pension plan cost	392	274
Components of other amounts recognized in other comprehensive income (loss) [Abstract]
Net actuarial loss for the period	327	627
Settlement loss	0	0
Amortization of actuarial loss	(504)	(390)
Total recognized in other comprehensive income	(177)	237
Total recognized in net periodic benefit cost and other comprehensive income (loss)	215	511
Estimated net loss for the pension plan that will be amortized next year	490
Defined Benefit Plan, Assets, Target Allocations [Abstract]
Defined Benefit Plan, Contributions by Employer	0	1,000
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets	$ 5,691	5,691	$ 5,499	$ 5,691
Estimated future benefit payments, which reflect expected future service [Abstract]
Next 12 Months			256
2 Years			273
3 Years			288
4 Years			348
5 Years			351
Thereafter			2,106
Total			3,622
401(K) PLAN [Abstract]
Employer matching contribution	100.00%
Employee contribution	4.00%
Profit sharing contributions vesting period	6 years
Profit sharing contributions	$ 523	519
Equities [Member]
Defined Benefit Plan, Assets, Target Allocations [Abstract]
Target allocation percentage	55.00%
Fixed income [Member]
Defined Benefit Plan, Assets, Target Allocations [Abstract]
Target allocation percentage	40.00%
Cash [Member]
Defined Benefit Plan, Assets, Target Allocations [Abstract]
Target allocation percentage	5.00%
Equity Mutual Funds [Member]
Defined Benefit Plan, Assets, Target Allocations [Abstract]
Target allocation percentage	1.00%
Money Market Funds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	$ 654
Fair value of plan assets at end of year	2,839	654
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets	654	654	2,839	654
Mutual Funds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	74
Fair value of plan assets at end of year	0	74
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets	0	74	0	74
Common Stock [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	2,766
Fair value of plan assets at end of year	1,129	2,766
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets	$ 1,129	2,766	1,129	2,766
Commodities Investment [Member]
Defined Benefit Plan, Assets, Target Allocations [Abstract]
Target allocation percentage	1.00%
Corporate Bonds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	$ 2,133
Fair value of plan assets at end of year	1,472	2,133
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets	2,133	2,133	1,472	2,133
Partnership Investment [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	64
Fair value of plan assets at end of year	59	64
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets	59	64	59	64
Level 1 [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	3,494
Fair value of plan assets at end of year	3,968	3,494
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets	3,968	3,494	3,968	3,494
Level 1 [Member] | Money Market Funds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	654
Fair value of plan assets at end of year	2,839	654
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets	654	654	2,839	654
Level 1 [Member] | Mutual Funds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	74
Fair value of plan assets at end of year	0	74
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets	74	74	0	74
Level 1 [Member] | Common Stock [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	2,766
Fair value of plan assets at end of year	1,129	2,766
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets	2,766	2,766	1,129	2,766
Level 1 [Member] | Corporate Bonds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	0
Fair value of plan assets at end of year	0	0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets	0	0	0	0
Level 1 [Member] | Partnership Investment [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	0
Fair value of plan assets at end of year	0	0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets	0	0	0	0
Level 2 [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	2,197
Fair value of plan assets at end of year	1,531	2,197
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets	1,531	2,197	1,531	2,197
Level 2 [Member] | Money Market Funds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	0
Fair value of plan assets at end of year	0	0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets	0	0	0	0
Level 2 [Member] | Mutual Funds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	0
Fair value of plan assets at end of year	0	0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets	0	0	0	0
Level 2 [Member] | Common Stock [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	0
Fair value of plan assets at end of year	0	0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets	0	0	0	0
Level 2 [Member] | Corporate Bonds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	2,133
Fair value of plan assets at end of year	1,472	2,133
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets	1,472	2,133	1,472	2,133
Level 2 [Member] | Partnership Investment [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	64
Fair value of plan assets at end of year	59	64
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets	59	64	59	64
Level 3 [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	0
Fair value of plan assets at end of year	0	0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets	0	0	0	0
Level 3 [Member] | Money Market Funds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	0
Fair value of plan assets at end of year	0	0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets	0	0	0	0
Level 3 [Member] | Mutual Funds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	0
Fair value of plan assets at end of year	0	0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets	0	0	0	0
Level 3 [Member] | Common Stock [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	0
Fair value of plan assets at end of year	0	0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets	0	0	0	0
Level 3 [Member] | Corporate Bonds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	0
Fair value of plan assets at end of year	0	0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets	0	0	0	0
Level 3 [Member] | Partnership Investment [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	0
Fair value of plan assets at end of year	0	0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets	$ 0	$ 0	$ 0	$ 0

Commitments and Contingencies66

Commitments and Contingencies (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments to extend credit	$ 145,157	$ 133,321
Home Equity Lines of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments to extend credit	47,243	41,995
Commercial Real Estate, Construction and Development Loans Committed but not Funded [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments to extend credit	15,948	18,113
Other Lines of Credit (Principally Commercial) [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments to extend credit	81,966	73,213
Letters of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments to extend credit	$ 3,597	$ 3,473

Fair Value Measurements, Recurr

Fair Value Measurements, Recurring and Nonrecurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	$ 199,365	$ 214,192
U.S. Treasury Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	20,000	0
Obligations of US Government Agencies [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	9,195	24,240
Obligations of States and Political Subdivisions [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	77,987	78,433
Mortgage-backed Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	83,694	107,396
Money Market Investments [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	647	631
Other Marketable Equity Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	164	99
Recurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	199,365	214,192
Recurring [Member] | U.S. Treasury Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	20,000
Recurring [Member] | Obligations of US Government Agencies [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	9,195	24,240
Recurring [Member] | Obligations of States and Political Subdivisions [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	77,987	78,433
Recurring [Member] | Mortgage-backed Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	83,694	107,396
Recurring [Member] | Money Market Investments [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	647	631
Recurring [Member] | Corporate Bonds [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	7,678	3,393
Recurring [Member] | Other Marketable Equity Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	164	99
Nonrecurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	2,675
Other assets, fair value disclosure	940	2,741
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		724
Nonrecurring [Member] | Foreclosed Assets, Commercial [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Other assets, fair value disclosure		927
Nonrecurring [Member] | Foreclosed Assets, Construction [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Other assets, fair value disclosure	940	1,090
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	1,957	1,281
Nonrecurring [Member] | Residential 1-4 Family [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	400	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	1,483	267
Nonrecurring [Member] | Construction Loans [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	74	62
Nonrecurring [Member] | Other [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	718
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Loans, net of allowances for loan losses	0	0
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	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | U.S. Treasury Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Obligations of US Government Agencies [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Obligations of States and Political Subdivisions [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Mortgage-backed Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	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	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Corporate Bonds [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Other Marketable Equity Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	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
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
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
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] | 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 1-4 Family [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] | Commercial Loan [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	199,365	214,192
Loans, net of allowances for loan losses	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	199,365	214,192
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | U.S. Treasury Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	20,000
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Obligations of US Government Agencies [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	9,195	24,240
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Obligations of States and Political Subdivisions [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	77,987	78,433
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Mortgage-backed Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	83,694	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	647	631
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Corporate Bonds [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	7,678	3,393
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Other Marketable Equity Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	164	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
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
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
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] | 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 1-4 Family [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] | Commercial Loan [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Loans, net of allowances for loan losses	594,190	559,488
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | U.S. Treasury Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Obligations of US Government Agencies [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Obligations of States and Political Subdivisions [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Mortgage-backed Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	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	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Corporate Bonds [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Other Marketable Equity Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	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	2,675
Other assets, fair value disclosure	940	2,741
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		724
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		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	940	1,090
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	1,957	1,281
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Residential 1-4 Family [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	400	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	1,483	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	74	$ 62
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Commercial Loan [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	$ 718

Fair Value Measurements, Quanti

Fair Value Measurements, Quantitative Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Assets [Abstract]
Securities available-for-sale	$ 199,365	$ 214,192
Securities held-to-maturity	$ 0	0
Market Comparables [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Liquidation Discount	4.00%
Market Comparables [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Liquidation Discount	4.00%
Market Comparables [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Liquidation Discount	4.00%
Residential 1-4 Family [Member] | Market Comparables [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 400	$ 952
Residential 1-4 Family [Member] | Market Comparables [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs	7.25%	7.25%
Liquidation Discount		0.00%
Residential 1-4 Family [Member] | Market Comparables [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs	7.25%	7.25%
Liquidation Discount		4.00%
Residential 1-4 Family [Member] | Market Comparables [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs	7.25%	7.25%
Liquidation Discount		3.75%
Commercial Real Estate [Member] | Market Comparables [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 1,483	$ 267
Commercial Real Estate [Member] | Market Comparables [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
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]
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]
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	$ 74	$ 62
Construction Loans [Member] | Market Comparables [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
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]
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]
Selling costs	7.25%	7.25%
Liquidation Discount	4.00%	4.00%
Commercial Loan [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 718
Selling costs	0.00%
Commercial Loan [Member] | Market Comparables [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Liquidation Discount	0.00%
Commercial Loan [Member] | Market Comparables [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Liquidation Discount	38.58%
Commercial Loan [Member] | Market Comparables [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Liquidation Discount	32.40%
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Cash and cash equivalents	$ 25,854	$ 36,990
Securities available-for-sale	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
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]
Assets [Abstract]
Cash and cash equivalents	0	0
Securities available-for-sale	199,365	214,192
Restricted securities	970	2,016
Loans, net of allowances for loan losses	0	0
Bank owned life insurance	25,206	24,411
Accrued interest receivable	3,189	3,059
Liabilities [Abstract]
Deposits	783,450	746,740
Overnight repurchase agreements	18,704	25,950
Federal Home Loan Bank advances		25,501
Accrued interest payable	228	241
Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Cash and cash equivalents	0	0
Securities available-for-sale	0	0
Restricted securities	0	0
Loans, net of allowances for loan losses	594,190	559,488
Bank owned life insurance	0	0
Accrued interest receivable	0	0
Liabilities [Abstract]
Deposits	0	0
Overnight repurchase agreements	0	0
Federal Home Loan Bank advances		0
Accrued interest payable	0	0
Carrying Value [Member]
Assets [Abstract]
Cash and cash equivalents	25,854	36,990
Securities available-for-sale	199,365	214,192
Restricted securities	970	2,016
Loans, net of allowances for loan losses	595,637	560,737
Bank owned life insurance	25,206	24,411
Accrued interest receivable	3,189	3,059
Liabilities [Abstract]
Deposits	784,502	746,471
Overnight repurchase agreements	18,704	25,950
Federal Home Loan Bank advances		25,000
Accrued interest payable	228	241
Foreclosed Assets, Residential 1-4 Family [Member] | Market Comparables [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value		$ 724
Foreclosed Assets, Residential 1-4 Family [Member] | Market Comparables [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs		7.25%
Liquidation Discount		4.00%
Foreclosed Assets, Residential 1-4 Family [Member] | Market Comparables [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs		7.25%
Liquidation Discount		7.17%
Foreclosed Assets, Residential 1-4 Family [Member] | Market Comparables [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs		7.25%
Liquidation Discount		4.79%
Foreclosed Assets, Commercial [Member] | Market Comparables [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value		$ 927
Foreclosed Assets, Commercial [Member] | Market Comparables [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs		7.25%
Liquidation Discount		4.00%
Foreclosed Assets, Commercial [Member] | Market Comparables [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs		7.25%
Liquidation Discount		24.70%
Foreclosed Assets, Commercial [Member] | Market Comparables [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs		7.25%
Liquidation Discount		11.77%
Foreclosed Assets, Construction [Member] | Market Comparables [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 940	$ 1,090
Foreclosed Assets, Construction [Member] | Market Comparables [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs	7.25%	6.72%
Liquidation Discount	0.00%	33.05%
Foreclosed Assets, Construction [Member] | Market Comparables [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs	7.25%	6.72%
Liquidation Discount	0.00%	33.05%
Foreclosed Assets, Construction [Member] | Market Comparables [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs	7.25%	6.72%
Liquidation Discount	0.00%	33.05%

Regulatory Matters (Details)

Regulatory Matters (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Total Capital to Risk Weighted Assets, Amount [Abstract]
Capital Amount	$ 106,443	$ 104,076
Minimum Capital Requirement	$ 63,263	$ 55,910
Total Capital to Risk Weighted Assets, Ratio [Abstract]
Capital Ratio	14.51%	14.89%
Minimum Capital Requirement	8.625%	8.00%
Tier 1 Capital to Risk Weighted Assets, Amount [Abstract]
Capital Amount	$ 98,198	$ 96,338
Minimum Capital Requirement	$ 48,593	$ 41,932
Tier 1 Capital to Risk Weighted Assets, Ratio [Abstract]
Capital Ratio	13.39%	13.78%
Minimum Capital Requirement	6.625%	6.00%
Common Equity Tier 1 Capital to Risk Weighted Assets, Amount [Abstract]
Capital Amount	$ 98,198	$ 96,338
Common Equity Tier One Capital Required for Capital Adequacy	$ 37,591	$ 31,449
Common Equity Tier 1 Capital to Risk Weighted Assets, Ratio [Abstract]
Capital Ratio	13.39%	13.78%
Minimum Capital Requirement	5.125%	4.50%
Tier 1 Capital to Average Assets, Amount [Abstract]
Capital Amount	$ 98,198	$ 96,338
Minimum Capital Requirement	$ 36,768	$ 35,260
Tier 1 Capital to Average Assets, Ratio [Abstract]
Capital Ratio	10.68%	10.93%
Minimum Capital Requirement	4.00%	4.00%
Amount available for dividend distribution without prior approval from regulatory agency	$ 2,799
Old Point National Bank [Member]
Total Capital to Risk Weighted Assets, Amount [Abstract]
Capital Amount	98,237	$ 96,079
Minimum Capital Requirement	62,909	55,589
Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions	$ 72,938	$ 69,486
Total Capital to Risk Weighted Assets, Ratio [Abstract]
Capital Ratio	13.47%	13.83%
Minimum Capital Requirement	8.625%	8.00%
Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions	10.00%	10.00%
Tier 1 Capital to Risk Weighted Assets, Amount [Abstract]
Capital Amount	$ 89,992	$ 88,341
Minimum Capital Requirement	48,321	41,692
Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions	$ 58,350	$ 55,589
Tier 1 Capital to Risk Weighted Assets, Ratio [Abstract]
Capital Ratio	12.34%	12.71%
Minimum Capital Requirement	6.625%	6.00%
Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions	8.00%	8.00%
Common Equity Tier 1 Capital to Risk Weighted Assets, Amount [Abstract]
Capital Amount	$ 89,992	$ 88,341
Common Equity Tier One Capital Required for Capital Adequacy	37,381	31,269
Common Equity Tier One Capital Required to be Well Capitalized	$ 47,410	$ 45,166
Common Equity Tier 1 Capital to Risk Weighted Assets, Ratio [Abstract]
Capital Ratio	12.34%	12.71%
Minimum Capital Requirement	5.125%	4.50%
Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions	6.50%	6.50%
Tier 1 Capital to Average Assets, Amount [Abstract]
Capital Amount	$ 89,992	$ 88,341
Minimum Capital Requirement	36,549	35,124
Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions	$ 45,686	$ 43,905
Tier 1 Capital to Average Assets, Ratio [Abstract]
Capital Ratio	9.85%	10.06%
Minimum Capital Requirement	4.00%	4.00%
Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions	5.00%	5.00%

Segment Reporting (Details)

Segment Reporting (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2016USD ($)Segment	Dec. 31, 2015USD ($)
Segment Reporting [Abstract]
Description of operating segments	The Company's reportable segments are strategic business units that offer different products and services. They are managed separately because each segment appeals to different markets and, accordingly, requires different technologies and marketing strategies.
Revenues
Interest and dividend income	$ 29,826	$ 30,295
Income from fiduciary activities	3,560	3,617
Other income	9,906	9,519
Total operating income	43,292	43,431
Expenses
Interest expense	2,574	3,632
Provision for loan losses	1,930	1,025
Salaries and employee benefits	19,878	20,747
Other expenses	14,953	14,339
Total operating expenses	39,335	39,743
Income before income taxes	3,957	3,688
Income tax expense (benefit)	160	54
Net income	3,797	3,634
Property, Plant and Equipment, Additions	891	1,756
Total assets	$ 902,966	896,787
Intersegment loan [Abstract]
Number of geographical area in which an entity operates | Segment	1
Revenue benchmark no single customer equals or exceeds	10.00%
Operating Segments [Member] | Bank [Member]
Revenues
Interest and dividend income	$ 29,765	30,242
Income from fiduciary activities	0	0
Other income	9,058	8,548
Total operating income	38,823	38,790
Expenses
Interest expense	2,574	3,633
Provision for loan losses	1,930	1,025
Salaries and employee benefits	16,801	17,630
Other expenses	13,179	13,254
Total operating expenses	34,484	35,542
Income before income taxes	4,339	3,248
Income tax expense (benefit)	288	(96)
Net income	4,051	3,344
Property, Plant and Equipment, Additions	887	1,682
Total assets	897,966	891,877
Operating Segments [Member] | Trust [Member]
Revenues
Interest and dividend income	61	54
Income from fiduciary activities	3,560	3,617
Other income	910	1,032
Total operating income	4,531	4,703
Expenses
Interest expense	0	0
Provision for loan losses	0	0
Salaries and employee benefits	2,671	2,685
Other expenses	1,041	1,010
Total operating expenses	3,712	3,695
Income before income taxes	819	1,008
Income tax expense (benefit)	280	343
Net income	539	665
Property, Plant and Equipment, Additions	4	74
Total assets	5,761	5,694
Operating Segments [Member] | Unconsolidated Parent [Member]
Revenues
Interest and dividend income	4,590	4,009
Income from fiduciary activities	0	0
Other income	200	200
Total operating income	4,790	4,209
Expenses
Interest expense	0	0
Provision for loan losses	0	0
Salaries and employee benefits	406	432
Other expenses	995	336
Total operating expenses	1,401	768
Income before income taxes	3,389	3,441
Income tax expense (benefit)	(408)	(193)
Net income	3,797	3,634
Property, Plant and Equipment, Additions	0	0
Total assets	93,998	93,191
Eliminations [Member]
Revenues
Interest and dividend income	(4,590)	(4,010)
Income from fiduciary activities	0	0
Other income	(262)	(261)
Total operating income	(4,852)	(4,271)
Expenses
Interest expense	0	(1)
Provision for loan losses	0	0
Salaries and employee benefits	0	0
Other expenses	(262)	(261)
Total operating expenses	(262)	(262)
Income before income taxes	(4,590)	(4,009)
Income tax expense (benefit)	0	0
Net income	(4,590)	(4,009)
Property, Plant and Equipment, Additions	0	0
Total assets	$ (94,759)	$ (93,975)

Condensed Financial Statement71

Condensed Financial Statements of Parent Company (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2016	Dec. 31, 2015
Assets [Abstract]
Cash and cash equivalents	$ 36,990	$ 36,990	$ 25,854	$ 36,990
Securities available-for-sale			199,365	214,192
Other assets			15,543	14,418
Total Assets			902,966	896,787
Liabilities & Stockholders' Equity [Abstract]
Common stock			24,806	24,795
Additional paid-in capital			16,427	16,392
Retained earnings			56,965	55,151
Accumulated other comprehensive loss			(4,208)	(3,162)
Total liabilities and stockholders' equity			902,966	896,787
Income: [Abstract]
Other income	113	133
Total interest and dividend income	29,826	30,295
Expenses: [Abstract]
Salaries and benefits	19,878	20,747
Legal expenses	1,315	720
Service fees	807	693
Other operating expenses	2,355	2,362
Total noninterest expense	34,831	35,086
Income before income taxes	3,957	3,688
Income tax expense	160	54
Net income	3,797	3,634
Cash flows from operating activities: [Abstract]
Net income	3,797	3,634
Adjustments to reconcile net income to net cash provided by operating activities:
Increase in other assets	(567)	(3,969)
Increase (decrease) in other liabilities	(243)	3,637
Net cash provided by operating activities	8,653	7,833
Cash flows from investing activities: [Abstract]
Proceeds from maturity of investment securities	0	300
Net cash flows from investing activities	(23,637)	(15,413)
Cash flows from financing activities: [Abstract]
Cash dividends paid on common stock	(1,983)	(1,686)
Net cash provided by financing activities	3,848	11,265
Net increase (decrease) in cash and cash equivalents	(11,136)	3,685
Cash and cash equivalents at beginning of period	36,990	33,305
Cash and cash equivalents at end of period	25,854	36,990
Supplemental schedule of noncash transactions: [Abstract]
Unrealized gain (loss) on securities available-for-sale	(1,762)	(755)
Parent Company [Member]
Assets [Abstract]
Cash and cash equivalents	2,366	2,198	2,366	2,198
Securities available-for-sale			164	99
Investment in common stock of subsidiaries			91,437	90,836
Other assets			31	58
Total Assets			93,998	93,191
Liabilities & Stockholders' Equity [Abstract]
Note payable - subsidiary			8	15
Common stock			24,806	24,795
Additional paid-in capital			16,427	16,392
Retained earnings			56,965	55,151
Accumulated other comprehensive loss			(4,208)	(3,162)
Total liabilities and stockholders' equity			$ 93,998	$ 93,191
Income: [Abstract]
Dividends from subsidiary	2,900	2,900
Other income	200	200
Total interest and dividend income	3,100	3,100
Expenses: [Abstract]
Salaries and benefits	406	432
Legal expenses	774	180
Service fees	166	137
Other operating expenses	55	19
Total noninterest expense	1,401	768
Income before income taxes	1,699	2,332
Income tax expense	(408)	(193)
Net income before equity in undistributed net income of subsidiaries	2,107	2,525
Equity in undistributed net income of subsidiaries	1,690	1,109
Net income	3,797	3,634
Cash flows from operating activities: [Abstract]
Net income	3,797	3,634
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed net income of subsidiaries	(1,690)	(1,109)
Increase in other assets	5	(5)
Increase (decrease) in other liabilities	(7)	15
Net cash provided by operating activities	2,105	2,535
Cash flows from investing activities: [Abstract]
Net cash flows from investing activities	0	0
Cash flows from financing activities: [Abstract]
Proceeds from sale of stock	46	0
Cash dividends paid on common stock	(1,983)	(1,686)
Net cash provided by financing activities	(1,937)	(1,686)
Net increase (decrease) in cash and cash equivalents	168	849
Cash and cash equivalents at beginning of period	2,198	1,349
Cash and cash equivalents at end of period	2,366	2,198
Supplemental schedule of noncash transactions: [Abstract]
Unrealized gain (loss) on securities available-for-sale	$ 64	$ (1)