Bar Harbor Bankshares (BHB) 10-Q 5 Nov 15 2015 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2015	Nov. 03, 2015
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q3
Entity Registrant Name	BAR HARBOR BANKSHARES
Entity Central Index Key	743,367
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		5,997,231

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Assets
Cash and cash equivalents	$ 12,336	$ 9,800
Securities available for sale, at fair value (amortized cost of $490,477 and $458,370, respectively)	502,680	470,525
Federal Home Loan Bank stock	23,593	21,354
Loans	975,950	919,024
Allowance for loan losses	(9,037)	(8,969)
Loans, net of allowance for loan losses	966,913	910,055
Premises and equipment, net	20,785	20,518
Goodwill	4,935	4,935
Bank owned life insurance	23,575	8,141
Other assets	13,104	13,992
TOTAL ASSETS	1,567,921	1,459,320
Deposits:
Demand and other non-interest bearing deposits	96,847	78,802
NOW accounts	155,342	153,499
Savings and money market deposits	286,475	247,685
Time deposits	472,230	378,063
Total deposits	1,010,894	858,049
Short-term borrowings	254,720	313,520
Long-term advances from Federal Home Loan Bank	135,886	128,500
Junior subordinated debentures	5,000	5,000
Other liabilities	7,309	7,964
TOTAL LIABILITIES	1,413,809	1,313,033
Shareholders' equity
Capital stock, par value $2.00; authorized 20,000,000 and 10,000,000 shares; issued 6,788,407 shares at September 30, 2015 and December 31, 2014, respectively	13,577	13,577
Surplus	21,404	20,905
Retained earnings	120,352	113,149
Accumulated other comprehensive income:
Prior service cost and unamortized net actuarial losses on employee benefit plans, net of tax of ($253) and ($251), at September 31, 2015 and December 31, 2014, respectively	(469)	(488)
Net unrealized appreciation on securities available for sale, net of tax of $4,017 and $3,997, at September 30, 2015 and December 31, 2014, respectively	7,460	7,423
Portion of OTTI attributable to non-credit gains, net of tax of $254 and $257, at September 30, 2015 and December 30, 2014, respectively	472	478
Net unrealized depreciation on derivative instruments, net of tax of $810 and $389, at September 30, 2015 and December 31, 2014, respectively	(1,504)	(722)
Total accumulated other comprehensive income	5,959	6,691
Less: cost of 793,477 and 842,082 shares of treasury stock at September 30, 2015 and December 31, 2014, respectively	(7,180)	(8,035)
TOTAL SHAREHOLDERS' EQUITY	154,112	146,287
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,567,921	$ 1,459,320

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Consolidated Balance Sheets [Abstract]
Securities available for sale, amortized cost	$ 490,477	$ 458,370
Capital stock, par value	$ 2	$ 2
Capital stock, shares authorized	20,000,000	10,000,000
Capital stock, shares issued	6,788,407	6,788,407
Prior service cost and unamortized net actuarial losses on employee benefit plans, tax	$ (253)	$ (251)
Net unrealized appreciation on securities available for sale, tax	4,017	3,997
Portion of OTTI attributable to non-credit losses, tax	254	257
Net unrealized appreciation on derivative instruments, tax	$ 810	$ 389
Treasury stock, shares	793,477	842,082

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Interest and dividend income:
Interest and fees on loans	$ 10,127	$ 10,016	$ 29,449	$ 28,285
Interest on securities	4,008	3,719	11,502	11,704
Dividend on FHLB stock	191	71	380	209
Total interest and dividend income	14,326	13,806	41,331	40,198
Interest expense:
Deposits	1,596	1,477	4,509	4,376
Short-term borrowings	233	197	725	477
Long-term debt	801	755	2,517	2,545
Total interest expense	2,630	2,429	7,751	7,398
Net interest income	11,696	11,377	33,580	32,800
Provision for loan losses	425	491	1,320	1,376
Net interest income after provision for loan losses	11,271	10,886	32,260	31,424
Non-interest income:
Trust and other financial services	957	954	2,887	3,028
Service charges on deposit accounts	224	245	677	747
Debit card income	477	436	1,245	1,156
Net securities gains		(81)	1,206	666
Other operating income	370	262	858	628
Total non-interest income	2,028	1,816	6,873	6,225
Non-interest expense:
Salaries and employee benefits	4,623	4,249	13,244	12,448
Occupancy expense	550	508	1,697	1,616
Furniture and equipment expense	584	569	1,729	1,606
Debit card expenses	119	111	327	308
FDIC insurance assessments	212	165	623	530
Other operating expense	1,732	1,610	5,134	4,911
Total non-interest expense	7,820	7,212	22,754	21,419
Income before income taxes	5,479	5,490	16,379	16,230
Income taxes	1,548	1,623	4,694	4,719
Net income	$ 3,931	$ 3,867	$ 11,685	$ 11,511
Per Common Share Data:
Basic earnings per share	$ 0.66	$ 0.65	$ 1.96	$ 1.94
Diluted earnings per share	$ 0.65	$ 0.65	$ 1.93	$ 1.93

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Consolidated Statements Of Comprehensive Income [Abstract]
Net income	$ 3,931	$ 3,867	$ 11,685	$ 11,511
Other comprehensive income:
Net unrealized (depreciation) appreciation on securities available for sale, net of tax	3,229	488	815	12,035
Less reclassification adjustment for net gains related to securities available for sale included in net income, net of tax		53	(784)	(440)
Net unrealized (depreciation) appreciation on interest rate derivatives, net of tax	(620)	110	(782)	159
Actuarial (loss) gain on supplemental executive retirement plan, net of related tax	7	5	19	14
Total other comprehensive (loss) income	2,616	656	(732)	11,768
Total comprehensive (loss) income	$ 6,547	$ 4,523	$ 10,953	$ 23,279

Consolidated Statements Of Com6

Consolidated Statements Of Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Consolidated Statements Of Comprehensive Income [Abstract]
Net unrealized (depreciation) appreciation on securities available for sale, tax	$ 1,739	$ 247	$ 439	$ 6,195
Reclassification adjustment for net gains related to securities available for sale included in net income, tax	0	28	(422)	(226)
Net unrealized appreciation on interest rate derivatives, tax	(339)	58	(421)	82
Actuarial (loss) gain on supplemental executive retirement plan, net of related tax	$ 3	$ 3	$ 2	$ 7

Consolidated Statements Of Chan

Consolidated Statements Of Changes In Shareholders' Equity - USD ($) $ in Thousands	Capital Stock [Member]	Surplus [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Treasury Stock [Member]	Total
Balance at Dec. 31, 2013	$ 9,051	$ 25,085	$ 103,907	$ (7,940)	$ (8,724)	$ 121,379
Net income			11,511			11,511
Total other comprehensive income				11,768		11,768
Dividend declared:
Common stock			(3,967)			(3,967)
Purchase of treasury stock					(8)	(8)
Stock options exercised, including related tax effects		27	(9)		417	435
Three-for-two stock split	4,526	(4,526)
Recognition of stock based compensation expense		236				236
Restricted stock grants		(53)			53
Balance at Sep. 30, 2014	13,577	20,769	111,442	3,828	(8,262)	141,354
Balance at Dec. 31, 2014	13,577	20,905	113,149	6,691	(8,035)	146,287
Net income			11,685			11,685
Total other comprehensive income				(732)		(732)
Dividend declared:
Common stock			(4,480)			(4,480)
Purchase of treasury stock					(24)	(24)
Stock options exercised, including related tax effects		118	(2)		773	889
Recognition of stock based compensation expense		487				487
Restricted stock grants		(106)			106
Balance at Sep. 30, 2015	$ 13,577	$ 21,404	$ 120,352	$ 5,959	$ (7,180)	$ 154,112

Consolidated Statements Of Cha8

Consolidated Statements Of Changes In Shareholders' Equity (Parenthetical)	9 Months Ended
	Sep. 30, 2015$ / sharesshares	Sep. 30, 2014$ / sharesshares
Consolidated Statements Of Changes In Shareholders' Equity [Abstract]
Common stock dividends, per share | $ / shares	$ 0.75	$ 0.67
Purchase of treasury stock, shares	656	327
Stock options exercised, shares	43,221	24,456
Restricted stock grants, shares	6,040	2,878

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Cash flows from operating activities:
Net income	$ 11,685	$ 11,511
Adjustments to reconcile net income to net cash (used in) provided by operating activities:
Depreciation and amortization of premises and equipment	1,301	1,212
Amortization of core deposit intangible	69	69
Provision for loan losses	1,320	1,376
Net securities gains	(1,206)	(666)
Net amortization of bond premiums and discounts	1,795	2,208
Recognition of stock based expense	487	236
Gains on sale of other real estate owned	(64)
Net change in other assets	(16)	(2,416)
Net change in other liabilities	(655)	(384)
Net cash provided by operating activities	14,716	13,146
Cash flows from investing activities:
Purchases of securities available for sale	(136,700)	(78,433)
Proceeds from maturities, calls and principal paydowns of mortgage-backed securities	83,576	51,132
Proceeds from sales of securities available for sale	20,428	26,563
Net (increase) decrease in Federal Home Loan Bank stock	(2,239)	(2,984)
Purchases of bank owned life insurance	(15,000)
Net loans made to customers and purchased loans	(58,603)	(46,624)
Proceeds from sale of other real estate owned	110	129
Capital expenditures	(1,568)	(1,325)
Net cash used in investing activities	(109,996)	(51,542)
Cash flows from financing activities:
Net increase in deposits	152,845	51,465
Net (decrease) increase in securities sold under repurchase agreements and fed funds purchased	(875)	(1,133)
Proceeds from Federal Home Loan Bank advances	17,393	36,800
Repayments of Federal Home Loan Bank advances	(67,932)	(41,490)
Purchases of treasury stock	(24)	(8)
Proceeds from stock option exercises, including excess tax benefits	889	435
Payments of dividends	(4,480)	(3,967)
Net cash provided by financing activities	97,816	42,102
Net (decrease) increase in cash and cash equivalents	2,536	3,706
Cash and cash equivalents at beginning of period	9,800	9,200
Cash and cash equivalents at end of period	12,336	12,906
Supplemental disclosures of cash flow information:
Interest	7,767	7,444
Income taxes	4,370	4,756
Schedule of noncash investing activities:
Transfers from loans to other real estate owned	$ 425	$ 320

Basis Of Presentation

Basis Of Presentation	9 Months Ended
	Sep. 30, 2015
Basis Of Presentation [Abstract]
Basis Of Presentation	Note 1: Basis of Presentation The accompanying consolidated interim financial statements are unaudited. In the opinion of management, all adjustments considered necessary for a fair presentation have been included. All inter-company transactions have been eliminated in consolidation. Amounts in the prior period financial statements are reclassified whenever necessary to conform to current period presentation. The net income reported for the three and nine months ended September 30, 2015, is not necessarily indicative of the results that may be expected for the year ending December 31, 2015, or any other interim periods. The consolidated balance sheet at December 31, 2014, has been derived from audited consolidated financial statements at that date. The accompanying unaudited interim consolidated financial statements have been prepared in accordance with United States ("U.S.") generally accepted accounting principles for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X (17 CFR Part 210). Accordingly, they do not include all of the information and footnotes required by U.S. generally accepted accounting principles for complete financial statements. For further information, please refer to the consolidated financial statements included in the Company's Annual Report on Form 10-K for the year ended December 31, 2014, and notes thereto.

Management's Use Of Estimates

Management's Use Of Estimates	9 Months Ended
	Sep. 30, 2015
Management's Use Of Estimates [Abstract]
Management's Use Of Estimates	Note 2: Management's Use of Estimates The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the 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 impairments on securities, income tax estimates, and the valuation of intangible assets Allowance for Loan Losses: The allowance for loan losses (the "allowance") is a significant accounting estimate used in the preparation of the Company's consolidated financial statements. The allowance is available to absorb losses on loans and is maintained at a level that, in management's judgment, is appropriate for the amount of risk inherent in the loan portfolio, given past and present conditions. The allowance is increased by provisions charged to operating expense and by recoveries on loans previously charged-off, and is decreased by loans or portion of loans charged-off as uncollectible. Arriving at an appropriate level of allowance involves a high degree of judgment. The determination of the adequacy of the allowance and provisioning for estimated losses is evaluated regularly based on a review of loans, with particular emphasis on non-performing or other loans that management believes warrant special consideration. The ongoing evaluation process includes a formal analysis, which considers among other factors: the nature of the loan portfolios, business and economic conditions, real estate market conditions, collateral values, changes in product offerings or loan terms, loan growth, experience, ability, and depth of management, changes in underwriting and/or collection policies and procedures, changes in volumes of loan portfolios and speed of loan portfolio growth, concentrations to industries or individual borrowers, external factors including industry or regulatory changes, historical charge-off experience, delinquency trends, non-performing loan trends, the performance of individual loans in relation to contract terms, loan loss emergence periods, and estimated fair values of collateral. The allowance consists of allowances established for specific loans including impaired loans; pools of loans based on historical charge-offs by loan types; and supplemental allowances that adjust historical loss experience to reflect current economic conditions, industry specific risks, and other observable data. While management uses available information to recognize losses on loans, changing economic conditions and the economic prospects of the borrowers may necessitate future additions or reductions to the allowance. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the allowance, which also may necessitate future additions or reductions to the allowance, based on information available to them at the time of their examination. Other-Than-Temporary Impairments on Investment Securities : One of the significant estimates relating to securities is the evaluation of other-than-temporary impairment ("OTTI"). If a decline in the fair value of a security is judged to be other-than-temporary, and management does not intend to sell the security and believes it is more-likely-than-not the Company will not be required to sell the security prior to recovery of cost or amortized cost, the portion of the total impairment attributable to the credit loss is recognized in earnings, and the remaining difference between the security's amortized cost basis and its fair value is included in other comprehensive income. For impaired available for sale debt securities that management intends to sell, or where management believes it is more-likely-than-not that the Company will be required to sell, an OTTI charge is recognized in earnings equal to the difference between fair value and cost or amortized cost basis of the security. The fair value of the OTTI security becomes its new cost basis. The evaluation of securities for impairments is a quantitative and qualitative process, which is subject to risks and uncertainties and is intended to determine whether declines in the fair value of securities should be recognized in current period earnings. The risks and uncertainties include changes in general economic conditions, the issuer's financial condition and/or future prospects, the effects of changes in interest rates or credit spreads and the expected recovery period of unrealized losses. The Company has a security monitoring process that identifies securities that, due to certain characteristics, as described below, are subjected to an enhanced analysis on a quarterly basis. Securities that are in an unrealized loss position are reviewed at least quarterly to determine if an OTTI is present based on certain quantitative and qualitative factors and measures. The primary factors considered in evaluating whether a decline in value of securities is other-than-temporary include: (a) the cause of the impairment; (b) the financial condition, credit rating and future prospects of the issuer; (c) whether the underlying debtor is current on contractually obligated interest and principal payments In addition, for securitized financial assets with contractual cash flows, such as private label mortgage-backed securities ("MBS"), the Company periodically updates its best estimate of cash flows over the life of the security. The Company's best estimate of cash flows is based upon assumptions consistent with the current economic environment, similar to those the Company believes market participants would use. Estimating future cash flows is a quantitative and qualitative process that incorporates information received from third party sources along with certain assumptions and judgments regarding the future performance of the underlying collateral. In addition, projections of expected future cash flows may change based upon new information regarding the performance of the underlying collateral. Income Taxes: The Company uses the asset and liability method of accounting for income taxes. Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. If current available information indicates that it is more-likely-than-not that deferred tax assets will not be realized, a valuation allowance is established. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Significant management judgment is required in determining income tax expense and deferred tax assets and liabilities. As of September 30, 2015, and December 31, 2014, there was no Goodwill and Identifiable Intangible Assets: In connection with acquisitions, the Company generally records as assets on its consolidated financial statements both goodwill and identifiable intangible assets, such as core deposit intangibles. The Company evaluates whether the carrying value of its goodwill has become impaired, in which case the value is reduced through a charge to its earnings. Goodwill is evaluated for impairment at least annually, or upon a triggering event using certain fair value techniques. Goodwill impairment testing is performed at the segment (or "reporting unit") level. Goodwill is assigned to reporting units at the date the goodwill is initially recorded. Once goodwill has been assigned to the reporting units, it no longer retains its association with a particular acquisition, and all of the activities within a reporting unit, whether acquired or organically grown, are available to support the value of the goodwill. Goodwill represents the excess of the purchase price over the fair value of net assets acquired in accordance with the purchase method of accounting for business combinations. Goodwill is not amortized but, instead, is subject to impairment tests on at least an annual basis or more frequently if an event occurs or circumstances change that reduce the fair value of a reporting unit below its carrying amount. The Company completes its annual goodwill impairment test as of December 31 of each year. The impairment testing process is conducted by assigning assets and goodwill to each reporting unit. Currently, the Company's goodwill is evaluated at the entity level as there is only one reporting unit. The Company first assesses certain qualitative factors to determine if it is more-likely-than-not that the fair value of the reporting unit is less than its carrying value. If it is more-likely-than-not that the fair value of the reporting unit is less than the carrying value, then the fair value of each reporting unit is compared to the recorded book value ("step one"). If the fair value of the reporting unit exceeds its carrying value, goodwill is not considered impaired and "step two" is not considered necessary. If the carrying value of a reporting unit exceeds its fair value, the impairment test continues ("step two") by comparing the carrying value of the reporting unit's goodwill to the implied fair value of goodwill. The implied fair value is computed by adjusting all assets and liabilities of the reporting unit to current fair value with the offset adjustment to goodwill. The adjusted goodwill balance is the implied fair value of the goodwill. An impairment charge is recognized if the carrying fair value of goodwill exceeds the implied fair value of goodwill. At December 31, 2014, there was no indication of impairment that led the Company to believe it needed to perform a two-step test. Any changes in the estimates used by the Company to determine the carrying value of its goodwill, or which otherwise adversely affect their value or estimated lives, would adversely affect the Company's consolidated results of operations.

Three-for-two Common Stock Spli

Three-for-two Common Stock Split	9 Months Ended
	Sep. 30, 2015
Three-for-two Common Stock Split [Abstract]
Three-for-two Common Stock Split	Note 3: Three-for-two Common Stock Split On April 22, 2014 , the Company's Board of Directors declared a three-for-two split of its common stock, payable as a large stock dividend, which was paid on May 19, 2014 (the "payment date") to all stockholders of record at the close of business on May 5, 2014. As of April 22, 2014, the Company had approximately 3,944,290 5,916,435

Earnings Per Share

Earnings Per Share	9 Months Ended
	Sep. 30, 2015
Earnings Per Share [Abstract]
Earnings Per Share	Note 4: Earnings Per Share Basic earnings per share excludes dilution and is computed by dividing income available to common shareholders by the weighted average number of common shares outstanding for the period. Diluted earnings per share reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the Company, such as the Company's dilutive stock options and awards. The following is a reconciliation of basic and diluted earnings per share for the three and nine months ended September 30, 2015, and 2014: Three Months Ended Nine Months Ended September 30, September 30, 2015 2014 2015 2014 Net income $ 3,931 $ 3,867 $ 11,685 $ 11,511 Weighted average common shares outstanding Basic 5,991,073 5,931,342 5,972,927 5,921,427 Effect of dilutive employee stock options 75,757 52,581 81,667 44,147 Diluted 6,066,830 5,983,923 6,054,594 5,965,574 Anti-dilutive options excluded from earnings per share calculation 64,763 41,256 66,960 85,431 Per Common Share Data: Basic earnings per share $ 0.66 $ 0.65 $ 1.96 $ 1.94 Diluted earnings per share $ 0.65 $ 0.65 $ 1.93 $ 1.93 All share and per share amounts have been adjusted to reflect the effect of the 3-for-2 stock split (dividend) during May 2014.

Securities Available For Sale

Securities Available For Sale	9 Months Ended
	Sep. 30, 2015
Securities Available For Sale [Abstract]
Securities Available For Sale	Not The following tables summarize the securities available for sale portfolio as of September 30, 2015, and December 31, 2014: September 30, 2015 Gross Gross Amortized Unrealized Unrealized Estimated Available for Sale: Cost Gains Losses Fair Value Mortgage-backed securities: US Government-sponsored enterprises $ 295,647 $ 7,750 $ 831 $ 302,566 US Government agency 82,213 1,734 270 83,677 Private label 2,968 782 8 3,742 Obligations of states and political subdivisions thereof 109,649 3,621 575 112,695 Total $ 490,477 $ 13,887 $ 1,684 $ 502,680 December 31, 2014 Gross Gross Amortized Unrealized Unrealized Estimated Available for Sale: Cost Gains Losses Fair Value Mortgage-backed securities: US Government-sponsored enterprises $ 282,217 $ 7,530 $ 1,537 $ 288,210 US Government agency 82,249 1,626 529 83,346 Private label 3,723 815 14 4,524 Obligations of states and political subdivisions thereof 90,181 4,516 252 94,445 Total $ 458,370 $ 14,487 $ 2,332 $ 470,525 Securities Maturity Distribution: The following table summarizes the maturity distribution of the amortized cost and estimated fair value of securities available for sale as of September 30, 2015. Actual maturities may differ from the final maturities noted below because issuers may have the right to prepay or call certain securities. In the case of MBS, actual maturities may also differ from expected maturities due to the amortizing nature of the underlying mortgage collateral, and the fact that borrowers have the right to prepay. Amortized Estimated Securities Available for Sale Cost Fair Value Due one year or less $ 5 $ 5 Due after one year through five years 5,293 5,381 Due after five years through ten years 15,972 16,912 Due after ten years 469,207 480,382 Total $ 490,477 $ 502,680 Securities Impairment: As a part of the Company's ongoing security monitoring process, the Company identifies securities in an unrealized loss position that could potentially be other-than-temporarily impaired ("OTTI"). For the three and nine months ended September 30, 2015 and 2014, the Company did not have any OTTI losses recognized in earnings (before taxes). Upon initial impairment of a security, total OTTI losses represent the excess of the amortized cost over the fair value. For subsequent impairments of the same security, total OTTI losses represent additional credit losses and or declines in fair value subsequent to the previously recorded OTTI losses, if applicable. Unrealized OTTI losses recognized in accumulated other comprehensive income ("OCI") represent the non-credit component of OTTI losses on debt securities. Net impairment losses recognized in earnings represent the credit component of OTTI losses on debt securities. As of September 30, 2015, the Company held eleven 1,360 eleven 472 478 The OTTI losses previously recognized in earnings represented management's best estimate of credit losses inherent in the securities based on discounted, bond-specific future cash flow projections using assumptions about cash flows associated with the pools of mortgage loans underlying each security. In estimating those cash flows the Company takes a variety of factors into consideration including, but not limited to, loan level credit characteristics, current delinquency and non-performing loan rates, current levels of subordination and credit support, recent default rates and future constant default rate estimates, original and current loan to collateral value ratios, recent collateral loss severities and future collateral loss severity estimates, recent and historical conditional prepayment rates and future conditional prepayment rate assumptions, and other estimates of future collateral performance. Despite elevated levels of delinquencies, defaults and losses in the underlying residential mortgage loan collateral, given credit enhancements resulting from the structures of the individual securities, the Company expects that as of September 30, 2015, it will recover the amortized cost basis of its private label MBS as depicted in the table below and has therefore concluded that such securities were not OTTI as of that date. Nevertheless, given recent market conditions, it is possible that adverse changes in repayment performance and fair value could occur in future periods that would change the Company's current best estimates. The following table displays the beginning balance of OTTI related to historical credit losses on debt securities held by the Company at the beginning of the current reporting period, as well as changes in credit losses recognized in pre-tax earnings for the three and nine months ending September 30, 2015, and 2014. 2015 2014 Estimated credit losses as of June 30, $ 3,180 $ 3,413 Additions for credit losses for securities on which OTTI has been previously recognized - -- - -- Additions for credit losses for securities on which OTTI has not been previously recognized - -- - -- Reductions for securities paid off during the period - -- - -- Estimated credit losses as of September 30, $ 3,180 $ 3,413 2015 2014 Estimated credit losses as of prior year-end, $ 3,413 $ 3,923 Additions for credit losses for securities on which OTTI has been previously recognized - -- - -- Additions for credit losses for securities on which OTTI has not been previously recognized - -- - -- Reductions for securities paid off during the period 233 510 Estimated credit losses as of September 30, $ 3,180 $ 3,413 As of September 30, 2015, based on a review of the remaining securities in the securities portfolio, the Company concluded that it expects to recover its amortized cost basis for such securities. This conclusion was based on the issuers' continued satisfaction of the securities obligations in accordance with their contractual terms and the expectation that they will continue to do so through the maturity of the security, the expectation that the Company will receive the entire amount of future contractual cash flows, as well as the evaluation of the fundamentals of the issuers' financial condition and other objective evidence. Accordingly, the Company concluded that any declines in the values of those securities were temporary and that any additional OTTI charges were not appropriate at September 30, 2015. As of that date, the Company did not intend to sell nor anticipated that it would more-likely-than-not be required to sell any of its impaired securities, that is, where fair value is less than the cost basis of the security. The following table summarizes the fair value of securities with continuous unrealized losses for less than 12 months and those that have been in a continuous unrealized loss position for 12 months or longer as of September 30, 2015 and December 31, 2014. All securities referenced are debt securities. Less than 12 months 12 months or longer Total Estimated Estimated Estimated September 30, 2015 Fair Number of Unrealized Fair Number of Unrealized Fair Number of Unrealized Value Investments Losses Value Investments Losses Value Investments Losses Description of Securities: Mortgage-backed securities: US Government- sponsored enterprises $ 36,750 57 $ 275 $ 22,812 32 $ 556 $ 59,562 89 $ 831 US Government agency 10,229 19 120 10,989 18 150 21,218 37 270 Private label 8 1 - -- 182 5 8 190 6 8 Obligations of states and political subdivisions thereof 26,900 48 392 4,275 14 183 31,175 62 575 Total $ 73,887 125 $ 787 $ 38,258 69 $ 897 $ 112,145 194 $ 1,684 Less than 12 months 12 months or longer Total Estimated Estimated Estimated December 31, 2014 Fair Number of Unrealized Fair Number of Unrealized Fair Number of Unrealized Value Investments Losses Value Investments Losses Value Investments Losses Description of Securities: Mortgage-backed securities: US Government- sponsored enterprises $ 45,899 53 $ 1,168 $ 35,511 45 $ 369 $ 81,410 98 $ 1,537 US Government agency 19,404 24 483 3,657 21 46 23,061 45 529 Private label 336 4 7 145 4 7 481 8 14 Obligations of states and political subdivisions thereof 12,549 28 240 2,724 5 12 15,273 33 252 Total $ 78,188 109 $ 1,898 $ 42,037 75 $ 434 $ 120,225 184 $ 2,332 For securities with unrealized losses, the following information was considered in determining that the impairments were not other-than-temporary: Mortgage-backed securities issued by U.S. Government-sponsored enterprises : As of September 30, 2015, the total unrealized losses on these securities amounted to $ 831 1,537 at December 31, 2014. agencies. Company management believes these securities have minimal credit risk, as these Government-sponsored enterprises play a vital role in the nation's financial markets. Management's analysis indicates that the unrealized losses at September 30, 2015 were attributed to changes in current market yields and pricing spreads for similar securities since the date the underlying securities were purchased, and does not consider these securities to be OTTI at September 30, 2015. Mortgage-backed securities issued by U.S. Government agencies: As of September 30, 2015, the total unrealized losses on these securities amounted to $ 270 529 December 31, 2014. All of these securities were credit rated "AA+" by the major credit rating agencies. Management's analysis indicates that these securities bear little or no credit risk because they are backed by the full faith and credit of the United States. The Company attributes the unrealized losses at September 30, 2015 to changes in current market yields and pricing spreads for similar securities since the date the underlying securities were purchased, and does not consider these securities to be OTTI at September 30, 2015. Private label mortgage-backed securities : As of September 30, 2015 , the total unrealized losses on the Bank's private label MBS amounted to $ 8 14 Company attributes the unrealized losses at September 30, 2015 to the current illiquid market for non-agency MBS, a still recovering housing market, risk-related market pricing discounts for non-agency MBS and credit rating downgrades on certain private label MBS owned by the Company. Based upon the foregoing considerations and the expectation that the Company will receive all of the future contractual cash flows related to amortized cost on these securities, the Company does not consider there to be any additional OTTI with respect to these securities at September 30, 2015. Obligations of states of the U.S. and political subdivisions thereof : As of September 30, 2015 , the total unrealized losses on the Bank's municipal securities amounted to $ 575 $ 252 obligation bonds and to a lesser extent, revenue bonds. General obligation bonds carry less risk, as they are supported by the full faith, credit and taxing authority of the issuing government and in the cases of school districts, are additionally supported by state aid. Revenue bonds are generally backed by municipal revenue streams generated through user fees or lease payments associated with specific municipal projects that have been financed. Municipal bonds are frequently supported with insurance, which guarantees that, in the event the issuer experiences financial problems, the insurer will step in and assume payment of both principal and interest. Historically, insurance support has strengthened an issuer's underlying credit rating to "AAA" or "AA" status. Starting in 2008 and continuing through 2015, many of the insurance companies providing municipal bond insurance experienced financial difficulties and, accordingly, were downgraded by at least one of the major credit rating agencies. Consequently, a portion of the Bank's municipal bond portfolio was downgraded by at least one of the major credit rating agencies. Notwithstanding the credit rating downgrades, at September 30, 2015, the Bank's municipal bond portfolio did not contain any below investment grade securities as reported by major credit rating agencies. In addition, at September 30, 2015, all municipal bond issuers were current on contractually obligated interest and principal payments. The Company attributes the unrealized losses at September 30, 2015 to changes in current market yields and pricing spreads for similar securities since the date the underlying securities were purchased and, to a lesser extent, changes in credit ratings on certain securities. The Company also attributes the unrealized losses to ongoing media attention and market concerns about the prolonged recovery from the national economic recession and the impact it might have on the future financial stability of municipalities throughout the country. Accordingly, the Company does not consider these municipal securities to be other-than-temporarily impaired at September 30, 2015. At September 30, 2015, the Company had no intent to sell nor believed it is more-likely-than-not that it would be required to sell any of its impaired securities as identified and discussed immediately above, and therefore did not consider these securities to be other than temporarily impaired as of that date. Securities Gains and Losses: The following table summarizes realized gains and losses on securities available for sale for the three and nine months ended September 30, 2015 and 2014. Proceeds Other from Sale of Than Securities Temporary Available Realized Realized Impairment for Sale Gains Losses Losses Net Three months ended September 30, 2015 $ - -- $ - -- $ --- $ --- $ - -- 2014 $ 4,342 $ 27 $ 108 $ --- $ (81 ) Nine months ended September 30, 2015 $ 20,428 $ 1,206 $ --- $ --- $ 1,206 2014 $ 26,563 $ 809 $ 143 $ --- $ 666

Loans And Allowance For Loan Lo

Loans And Allowance For Loan Losses	9 Months Ended
	Sep. 30, 2015
Loans And Allowance For Loan Losses [Abstract]
Loans And Allowance For Loan Losses	90 Days 30-59 Days 90 Days Total Past Due September 30, 2015 Days Past or Past Total Non and Past Due Due Greater Due Current Loans Accrual Accruing Commercial real estate mortgages $ 698 $ --- $ 115 $ 813 $ 371,704 $ 372,517 $ 1,163 $ --- Commercial and industrial 13 3 274 290 77,598 77,888 297 --- Commercial construction and land development - -- - -- 1,260 1,260 23,894 25,154 1,260 --- Agricultural and other loans to farmers 2 - -- - -- 2 32,518 32,520 16 --- Residential real estate mortgages 1,429 78 1,149 2,656 388,412 391,068 3,492 --- Home equity 25 60 767 852 50,438 51,290 791 --- Other consumer loans 57 6 2 65 10,082 10,147 14 --- Tax exempt - -- - -- - -- - -- 15,319 15,319 - -- --- Total $ 2,224 $ 147 $ 3,567 $ 5,938 $ 969,965 $ 975,903 $ 7,033 $ --- 60-89 >90 Days 30-59 Days 90 Days Total Past Due December 31, 2014 Days Past Past or Past Total Non and Due Due Greater Due Current Loans Accrual Accruing Commercial real estate mortgages $ 189 $ 234 $ 1,843 $ 2,266 $ 323,683 $ 325,949 $ 3,156 $ --- Commercial and industrial 665 45 333 1,043 72,850 73,893 624 --- Commercial construction and land development -- -- 1,328 1,328 24,093 25,421 1,328 --- Agricultural and other loans to farmers 27 -- 64 91 30,380 30,471 84 --- Residential real estate mortgages 1,980 547 1,681 4,208 378,470 382,678 6,051 --- Home equity 138 40 575 753 51,042 51,795 1,029 --- Other consumer loans 231 5 7 243 11,897 12,140 16 --- Tax exempt -- -- -- -- 16,693 16,693 -- $ --- Total $ 3,230 $ 871 $ 5,831 $ 9,932 $ 909,108 $ 919,040 $ 12,288 $ --- Impaired Loans: Impaired loans are all commercial loans for which the Company believes it is probable that it will be unable to collect all amounts due according to the contractual terms of the loan agreement, as well as all loans modified into a TDR, if any. Allowances for losses on impaired loans are determined by the lower of the present value of the expected cash flows related to the loan, using the original contractual interest rate, and its recorded value, or in the case of collateral dependent loans, the lower of the fair value of the collateral, less costs to dispose, and the recorded amount of the loans. When foreclosure is probable, impairment is measured based on the fair value of the collateral less cost to sell. Details of impaired loans as of September 30, 2015 and December 31, 2014 follows: September 30, 2015 December 31, 2014 Unpaid Unpaid Recorded Principal Related Recorded Principal Related Investment Balance Allowance Investment Balance Allowance With no related allowance: Commercial real estate mortgages $ 1,583 $ 1,627 $ --- $ 1,606 $ 1,606 $ --- Commercial and industrial 212 246 - -- 309 309 - -- Commercial construction and land development - -- - -- - -- 1,328 3,253 - -- Agricultural and other loans to farmers 108 108 - -- 181 181 - -- Residential real estate loans 1,302 1,447 - -- 389 419 - -- Home equity loans 18 18 - -- - -- - -- - -- Other consumer - -- - -- - -- - -- - -- - -- Subtotal $ 3,223 $ 3,446 $ --- $ 3,813 $ 5,768 $ --- With an allowance: Commercial real estate mortgages $ 405 $ 405 $ 39 $ 1,986 $ 2,014 $ 776 Commercial and industrial 225 375 176 325 555 187 Commercial construction and land development 1,260 3,185 24 - -- - -- - -- Agricultural and other loans to farmers - -- - -- - -- - -- - -- - -- Residential real estate loans 348 348 52 - -- - -- - -- Home equity loans - -- - -- - -- - -- - -- - -- Other consumer 9 9 - -- 10 10 1 Subtotal $ 2,247 $ 4,322 $ 291 $ 2,321 $ 2,579 $ 964 Total $ 5,470 $ 7,768 $ 291 $ 6,134 $ 8,347 $ 964 Details of impaired loans for the three and nine months ended September 30, 2015 and 2014 follows: September 30, 2015 September 30, 2014 Three Months Ended Nine Months Ended Three Months Ended Nine Months Ended Average Average Average Average Recorded Interest Recorded Interest Recorded Interest Recorded Interest Investment Recorded Investment Recorded Investment Recorded Investment Recorded With no related allowance: Commercial real estate mortgages $ 2,408 $ 20 $ 3,099 $ 42 $ 1,763 $ 11 $ 1,877 $ 43 Commercial and industrial 231 2 334 7 512 1 663 3 Commercial construction and land development - -- - -- - -- - -- 1,328 - -- 1,576 - -- Agricultural and other loans to farmers 123 3 155 7 143 - -- 89 2 Residential real estate mortgages 1,332 8 1,325 21 468 3 470 10 Home equity loans 18 - -- 18 1 20 1 20 1 Other consumer - -- - -- - -- - -- 11 - -- 12 - -- Subtotal $ 4,112 $ 33 $ 4,931 $ 78 $ 4,245 $ 16 $ 4,707 $ 59 With an allowance: Commercial real estate mortgages $ 405 $ --- $ 405 $ --- $ 229 $ --- $ 498 $ --- Commercial and industrial 226 - -- 228 - -- 404 - -- 403 - -- Commercial construction - -- and land development 1,260 - -- 1,260 - -- - -- - -- - -- Agricultural and - -- other loans to farmers - -- - -- - -- - -- - -- - -- - -- Residential real - -- estate mortgages 348 - -- 346 - -- - -- - -- - -- Home equity loans - -- - -- - -- - -- - -- - -- - -- - -- Other consumer 10 - -- 10 - -- - -- - -- - -- - -- Subtotal $ 2,249 $ --- $ 2,249 $ --- $ 633 $ --- $ 901 $ --- Total $ 6,361 $ 33 $ 7,180 $ 78 $ 4,878 $ 16 $ 5,608 $ 59 Credit Quality Indicators/Classified Loans: In monitoring the credit quality of the portfolio, management applies a credit quality indicator to all categories of commercial loans. These credit quality indicators range from one through nine, with a higher number correlating to increasing risk of loss. These ratings are used as inputs to the calculation of the allowance for loan losses. Consistent with regulatory guidelines, the Bank provides for the classification of loans which are considered to be of lesser quality as substandard, doubtful, or loss. The Bank considers a loan substandard if it is inadequately protected by the current net worth and paying capacity of the borrower or of the collateral pledged, if any. Substandard loans have a well-defined weakness that jeopardizes liquidation of the debt. Substandard loans include those loans where there is the distinct possibility of some loss of principal, if the deficiencies are not corrected. Loans that the Bank classifies as doubtful have all of the weaknesses inherent in those loans that are classified as substandard but also have the added characteristic that the weaknesses present make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The possibility of loss is high but because of certain important and reasonably specific pending factors which may work to the advantage and strengthening of the loan, its classification as an estimated loss is deferred until its more exact status may be determined. Pending factors include proposed merger, acquisition, or liquidation procedures, capital injection, perfecting liens on additional collateral and refinancing plans. The entire amount of the loan might not be classified as doubtful when collection of a specific portion appears highly probable. Loans are generally not classified doubtful for an extended period of time (i.e., over a year). Loans that the Bank classifies as loss are those considered uncollectible and of such little value that their continuance as an asset is not warranted and the uncollectible amounts are charged-off. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be affected in the future. Losses are taken in the period in which they are determined to be uncollectible Loans that do not expose the Bank to risk sufficient to warrant classification in one of the aforementioned categories, but which possess some weaknesses, are designated special mention. A special mention loan has potential weaknesses that deserve management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the institution's credit position at some future date. This might include loans which the lending officer may be unable to supervise properly because of: (i) lack of expertise, inadequate loan agreement; (ii) the poor condition of or lack of control over collateral; (iii) failure to obtain proper documentation or any other deviations from prudent lending practices. Economic or market conditions which may, in the future, affect the obligor may warrant special mention of the asset. Loans for which an adverse trend in the borrower's operations or an imbalanced position in the balance sheet which has not reached a point where the liquidation is jeopardized may be included in this classification. Special mention assets are not adversely classified and do not expose an institution to sufficient risks to warrant classification. The following tables summarize the commercial loan portfolio as of September 30, 2015, and December 31, 2014, by credit quality indicator. Credit quality indicators are reassessed for each applicable commercial loan at least annually, or upon receipt and analysis of the borrower's financial statements, when applicable. Consumer loans, which principally consist of residential mortgage loans, are not rated, but are evaluated for credit quality after origination based on delinquency status (see past due loan aging table above). Commercial Commercial construction Agricultural real estate Commercial and land and other loans September 30, 2015 mortgages and industrial development to farmers Total Pass $ 346,503 $ 72,568 $ 23,607 $ 32,182 $ 474,860 Other Assets Especially Mentioned 8,845 2,623 287 183 11,938 Substandard 17,169 2,696 1,260 155 21,280 Doubtful - -- - -- - -- - -- - -- Loss - -- 1 - -- - -- 1 Total $ 372,517 $ 77,888 $ 25,154 $ 32,520 $ 508,079 Commercial Commercial construction Agricultural real estate Commercial and land and other loans December 31, 2014 mortgages and industrial development to farmers Total Pass $ 302,376 $ 62,226 $ 23,290 $ 30,047 $ 417,939 Other Assets Especially Mentioned 11,501 7,349 - -- 193 19,043 Substandard 12,072 4,318 2,131 231 18,752 Doubtful - -- - -- - -- - -- - -- Loss - -- - -- - -- - -- - -- Total $ 325,949 $ 73,893 $ 25,421 $ 30,471 $ 455,734 Allowance for Loan Losses: The allowance for loan losses (the "allowance") is a reserve established through a provision for loan losses (the "provision") charged to expense, which represents management's best estimate of probable losses that have been incurred within the existing portfolio of loans. The allowance, in the judgment of management, is necessary to provide for estimated loan losses and risks inherent in the loan portfolio. The Bank's allowance for loan loss methodology includes allowance allocations calculated in accordance with ASC Topic 310, "Receivables" and allowance allocations calculated in accordance with ASC Topic 450, "Contingencies." Accordingly, the methodology is based on historical loss experience by type of credit and internal risk grade, homogeneous risk pools and specific loss allocations, with qualitative factor adjustments for current events and conditions. The allowance calculation also includes an estimated adjustment for a Loss Emergence Period, which improves the Bank's ability to more accurately forecast probable losses that may exist in the loan portfolio that have not yet emerged into "problem loan" status. The Bank's process for determining the appropriate level of the allowance is designed to account for credit deterioration as it occurs. The provision reflects loan quality trends, including the levels of and trends related to non-accrual loans, past due loans, potential problem loans, criticized loans and net charge-offs or recoveries, and the overall size of the loan portfolio, among other factors. The provision also reflects the totality of actions taken on all loans for a particular period. In other words, the amount of the provision reflects not only the necessary increases in the allowance related to newly identified criticized loans, but it also reflects actions taken related to other loans including, among other things, any necessary increases or decreases in required allowances for specific loans or loan pools. The level of the allowance reflects management's continuing evaluation of industry concentrations, specific credit risks, loan loss experience, current loan portfolio quality, present economic, political and regulatory conditions and unidentified losses inherent in the current loan portfolio. While management utilizes its best judgment and information available, the ultimate adequacy of the allowance is dependent upon a variety of factors beyond the Bank's control, including, among other things, the performance of the Bank's loan portfolio, the economy, changes in interest rates and the view of the regulatory authorities toward loan classifications. The Bank's allowance for loan losses consists of three principal elements: (i) specific valuation allowances determined in accordance with ASC Topic 310 based on probable losses on specific loans; (ii) historical valuation allowances determined in accordance with ASC Topic 450 based on historical loan loss experience for similar loans with similar characteristics and trends, adjusted, as necessary, to reflect the impact of current conditions; and (iii) general valuation allowances determined in accordance with ASC Topic 450 based on general economic conditions and other qualitative risk factors both internal and external to the Bank. The allowances established for probable losses on specific loans are based on a regular analysis and evaluation of problem loans. Loans are classified based on an internal credit risk grading process that evaluates, among other things: (i) the obligor's ability to repay; (ii) the underlying collateral, if any; and (iii) the economic environment and industry in which the borrower operates. This analysis is performed at the relationship level for all commercial loans. When a loan has a classification of substandard or worse, the Bank analyzes the loan to determine whether the loan is impaired and, if impaired, the need to specifically allocate a portion of the allowance to the loan. Specific valuation allowances are determined by analyzing the borrower's ability to repay amounts contractually owed, collateral deficiencies, the relative risk grade of the loan and economic conditions affecting the borrower's industry, among other observable considerations. Historical valuation allowances are calculated based on the historical loss experience of specific types of loans and the internal risk grade of such loans at the time they were charged-off. The Bank calculates historical loss ratios for pools of similar loans with similar characteristics based on the proportion of actual net charge-offs experienced to the total loan balance in the pool The historical loss ratios are updated quarterly based on this net charge-off experience General valuation allowances are based on general economic conditions and other qualitative risk factors both internal and external to the Bank. In general, such valuation allowances are determined by evaluating, among other things: (i) changes in lending policies and procedures; (ii) economic and business conditions; (iii) changes in the volume and nature of the loan portfolio; (iv) experience, ability and depth of lending management and staff; (v) changes in asset quality and problem loan trends; (vi) quality of internal controls and effectiveness of loan review; (vii) concentrations of credit; (viii) external factors, including changes in competition, legal, and regulatory matters; and (ix) real estate market conditions and valuations of collateral. Management evaluates the degree of risk that each one of these components has on the quality of the loan portfolio on a quarterly basis. The results are then used to determine an appropriate general valuation allowance. Loans identified as losses by management, external loan review and/or bank examiners, are charged-off. Furthermore, consumer loan accounts are charged-off based on regulatory requirements. The following tables detail activity in the allowance for loan losses by portfolio segment for the three and nine months ended September 30, 2015, and 2014 and twelve months ended December 31, 2014 Commercial Three Months Commercial Construction September 30, 2015 Commercial and and land Residential Home Tax Real Estate Industrial development Agricultural Real Estate Consumer Equity Exempt Total Beginning Balance $ 4,289 $ 1,147 $ 145 $ 372 $ 2,485 $ 110 $ 472 $ 79 $ 9,099 Charged Off (461 ) (22 ) - -- (54 ) - -- (23 ) (25 ) - -- (585 ) Recoveries 58 31 - -- 3 - -- 6 - -- - -- 98 Provision 600 (49 ) (12 ) 28 (182 ) 11 34 (5 ) 425 Ending Balance $ 4,486 $ 1,107 $ 133 $ 349 $ 2,303 $ 104 $ 481 $ 74 $ 9,037 Commercial Nine Months Ended Commercial Construction September 30, 2015 Commercial and and land Residential Home Tax Real Estate Industrial development Agricultural Real Estate Consumer Equity Exempt Total Beginning Balance $ 4,468 $ 929 $ 145 $ 277 $ 2,714 $ 94 $ 271 $ 71 $ 8,969 Charged Off (667 ) (310 ) - -- (72 ) (70 ) (48 ) (376 ) - -- (1,543 ) Recoveries 97 33 - -- 15 129 17 - -- - -- 291 Provision 588 455 (12 ) 129 (470 ) 41 586 3 1,320 Ending Balance $ 4,486 $ 1,107 $ 133 $ 349 $ 2,303 $ 104 $ 481 $ 74 $ 9,037 of which: Amount for loans individually evaluated for impairment $ 39 $ 176 $ 24 $ --- $ 52 $ --- $ --- $ --- $ 291 Amount for loans collectively evaluated for impairment $ 4,447 $ 931 $ 109 $ 349 $ 2,251 $ 104 $ 481 $ 74 $ 8,746 Loans individually evaluated for impairment $ 1,988 $ 437 $ 1,260 $ 108 $ 1,650 $ 9 $ 18 $ --- $ 5,470 Loans collectively evaluated for impairment $ 370,529 $ 77,451 $ 23,894 $ 32,412 $ 389,418 $ 10,138 $ 51,272 $ 15,319 $ 970,433 Commercial Commercial Construction Three Months Commercial and and land Residential Home Tax September 30, 2014 Real Estate Industrial development Agricultural Real Estate Consumer Equity Exempt Total Beginning Balance $ 4,887 $ 1,573 $ 254 $ 371 $ 1,149 $ 103 $ 241 $ 173 $ 8,751 Charged Off (19 ) (317 ) - -- - -- (264 ) (68 ) - -- - -- (668 ) Recoveries 34 1 - -- 11 - -- 14 1 - -- 61 Provision (71 ) 150 77 (26 ) 275 97 - -- (11 ) 491 Ending Balance $ 4,831 $ 1,407 $ 331 $ 356 $ 1,160 $ 146 $ 242 $ 162 $ 8,635 Commercial Nine Months Ended Commercial Construction September 30, 2014 Commercial and and land Residential Home Tax Real Estate Industrial development Agricultural Real Estate Consumer Equity Exempt Total Beginning Balance $ 4,825 $ 1,266 $ 314 $ 335 $ 1,166 $ 137 $ 264 $ 168 $ 8,475 Charged Off (184 ) (416 ) - -- (14 ) (557 ) (148 ) (18 ) - -- (1,337 ) Recoveries 40 13 - -- 26 12 29 1 - -- 121 Provision 150 544 17 9 539 128 (5 ) (6 ) 1,376 Ending Balance $ 4,831 $ 1,407 $ 331 $ 356 $ 1,160 $ 146 $ 242 $ 162 $ 8,635 Commercial Twelve Months Commercial Construction December 31, 2014 Commercial and and land Residential Home Tax Real Estate Industrial development Agricultural Real Estate Consumer Equity Exempt Total Beginning Balance $ 4,825 $ 1,266 $ 314 $ 335 $ 1,166 $ 137 $ 264 $ 168 $ 8,475 Charged-off (238 ) (475 ) - -- (14 ) (650 ) (191 ) (52 ) - -- (1,620 ) Recoveries 85 16 - -- 130 12 37 1 - -- 281 Provision (204 ) 122 (169 ) (174 ) 2,186 111 58 (97 ) 1,833 Ending Balance $ 4,468 $ 929 $ 145 $ 277 $ 2,714 $ 94 $ 271 $ 71 $ 8,969 of which: Amount for loans Individually evaluated for impairment $ 776 $ 187 $ - -- $ --- $ - -- $ 1 $ --- $ --- $ 964 Amount for loans collectively evaluated for impairment $ 3,692 $ 742 $ 145 $ 277 $ 2,714 $ 93 $ 271 $ 71 $ 8,005 Loans individually evaluated for impairment $ 3,592 $ 634 $ 1,328 $ 181 $ 389 $ 10 $ --- $ --- $ 6,134 Loans collectively evaluated for impairment $ 322,357 $ 73,259 $ 24,093 $ 30,290 $ 382,289 $ 12,130 $ 51,795 $ 16,693 $ 912,906 Loan Concentrations: Because of the Companys proximity to Acadia National Park, a large part of the economic activity in the Bank's area is generated from the hospitality business associated with tourism. At September 30, 2015, and December 31, 2014, loans to the lodging industry amounted to approximately $ 99,805 112,520" id="sjs-B4">Note 6: Loans and Allowance for Loan Losses Loans are carried at the principal amounts outstanding adjusted by partial charge-offs and net deferred loan origination costs or fees. Interest on loans is accrued and credited to income based on the principal amount of loans outstanding. Residential real estate and home equity loans are generally placed on non-accrual status when reaching 90 days past due, or in process of foreclosure, or sooner if judged appropriate by management. Consumer loans are generally placed on non-accrual status when reaching 90 days or more past due, or sooner if management determines there is a reason to doubt full collectability of all outstanding principal and interest. Secured consumer loans are written down to realizable value and unsecured consumer loans are charged-off upon reaching 120 90 six Commercial real estate and commercial business loans are considered impaired when it becomes probable the bank will not be able to collect all amounts due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status and collateral value. In considering loans for evaluation of impairment, management generally excludes smaller balance, homogeneous loans, residential mortgage loans, home equity loans, and all consumer loans, unless such loans were restructured in a troubled debt restructuring. These loans are collectively evaluated for risk of loss. Loan origination, commitment fees and direct loan origination costs are deferred, and the net amount is amortized as an adjustment of the related loans' yield, using the level yield method over the estimated lives of the related loans. The Company's lending activities are principally conducted in downeast, midcoast and central Maine. The following table summarizes the composition of the loan portfolio as of September 30, 2015, and December 31, 2014: LOAN PORTFOLIO SUMMARY September 30, December 31, 2015 2014 Commercial real estate mortgages $ 372,517 $ 325,949 Commercial and industrial 77,888 73,893 Commercial construction and land development 25,154 25,421 Agricultural and other loans to farmers 32,520 30,471 Total commercial loans 508,079 455,734 Residential real estate mortgages 391,068 382,678 Home equity loans 51,290 51,795 Other consumer loans 10,147 12,140 Total consumer loans 452,505 446,613 Tax exempt loans 15,319 16,693 Net deferred loan costs and fees 47 (16 ) Total loans 975,950 919,024 Allowance for loan losses (9,037 ) (8,969 ) Total loans net of allowance for loan losses $ 966,913 $ 910,055 Loan Origination/Risk Management: The Bank has certain lending policies and procedures in place that are designed to maximize loan income within an acceptable level of risk. The Bank's board of directors reviews and approves these policies and procedures on a regular basis. A reporting system supplements the review process by providing management and the board with frequent reports related to loan production, loan quality, concentrations of credit, loan delinquencies and non-performing loans and potential problem loans. The Bank seeks to diversify the loan portfolio as a means of managing risk associated with fluctuations in economic conditions. Commercial Real Estate Mortgages : The Bank's commercial real estate mortgage loans are collateralized by liens on real estate, typically have variable interest rates and amortize over a 15 20 26.1 Commercial and Industrial Loans : Commercial and industrial loans are underwritten after evaluating and understanding the borrower's ability to operate profitably, and prudently expand its business. Commercial and industrial loans are primarily made in the Bank's market areas and are underwritten on the basis of the borrower's ability to service the debt from income. As a general practice, the Bank takes as collateral a lien on available real estate, equipment or other assets owned by the borrower and obtains a personal guaranty of the borrower(s) or principal(s). Working capital loans are primarily collateralized by short-term assets whereas term loans are primarily collateralized by long-term assets. The risk in commercial and industrial loans is principally due to the type of collateral securing these loans. The increased risk also derives from the expectation that commercial and industrial loans generally will be serviced principally from the operations of the business, and, if not successful, these loans are primarily secured by tangible, non-real estate collateral. Construction and Land Development Loans : The Bank makes loans to finance the construction of residential and non-residential properties. Construction loans generally are collateralized by first liens on real estate. The Bank conducts periodic inspections, either directly or through an agent, prior to approval of periodic draws on these loans. Underwriting guidelines similar to those described immediately above are also used in the Bank's construction lending activities. Construction loans involve additional risks attributable to the fact that loan funds are advanced against a project under construction and the project is of uncertain value prior to its completion. Because of uncertainties inherent in estimating construction costs, the market value of the completed project and the effects of governmental regulation on real property, it can be difficult to accurately evaluate the total funds required to complete a project and the related loan to value ratio. As a result of these uncertainties, construction lending often involves the disbursement of substantial funds with repayment dependent, in part, on the success of the ultimate project rather than the ability of a borrower or guarantor to repay the loan. In many cases the success of the project can also depend upon the financial support/strength of the sponsorship. If the Bank is forced to foreclose on a project prior to completion, there is no assurance that the Bank will be able to recover the entire unpaid portion of the loan. In addition, the Bank may be required to fund additional amounts to complete a project and may have to hold the property for an indeterminate period of time. While the Bank has underwriting procedures designed to identify what it believes to be acceptable levels of risks in construction lending, no assurance can be given that these procedures will prevent losses from the risks described above. Residential Real Estate Mortgages : The Bank originates and purchases first-lien, adjustable-rate and fixed-rate, one-to-four-family residential real estate loans for the construction, purchase or refinancing of residential property. These loans are principally collateralized by owner-occupied properties, and to a lesser extent second homes and vacation properties, and are amortized over 10 30 (" FHLMC") with servicing rights retained. This practice allows the Bank to better manage interest rate risk and liquidity risk. In an effort to manage risk of loss and strengthen secondary market liquidity opportunities, management typically uses secondary market underwriting, appraisal, and servicing guidelines for all loans, including those held in its portfolio. Loans on one-to-four-family residential real estate are mostly originated in amounts of no more than 80 Home Equity Loans : The Bank originates home equity lines of credit and second mortgage loans (loans which are secured by a junior lien position on one-to-four-family residential real estate). These loans carry a higher risk than first mortgage residential loans as they are in a second position relating to collateral. Risk is reduced through underwriting criteria, which include credit verification, appraisals and evaluations, a review of the borrower's financial condition, and personal cash flows. A security interest, with title insurance when necessary, is taken in the underlying real estate. Non-performing Loans: The following table sets forth information regarding non-accruing loans and accruing loans 90 days or more overdue at September 30, 2015, and December 31, 2014. TOTAL NON-PERFORMING LOANS September 30, December 31, 2015 2014 Commercial real estate mortgages $ 1,163 $ 3,156 Commercial and industrial loans 297 624 Commercial construction and land development 1,260 1,328 Agricultural and other loans to farmers 16 84 Total commercial loans 2,736 5,192 Residential real estate mortgages 3,492 6,051 Home equity loans 791 1,029 Other consumer loans 14 16 Total consumer loans 4,297 7,096 Total non-accrual loans 7,033 12,288 Accruing loans contractually past due 90 days or more - -- - -- Total non-performing loans $ 7,033 $ 12,288 Troubled Debt Restructures: A Troubled Debt Restructure ("TDR") results from a modification to a loan to a borrower who is experiencing financial difficulty in which the Bank grants a concession to the debtor that it would not otherwise consider but for the debtor's financial difficulties. Financial difficulty arises when a debtor is bankrupt or contractually past due, or is likely to become so, based upon its ability to pay. A concession represents an accommodation not generally available to other customers, which may include a below-market interest rate, deferment of principal payments, extension of maturity dates, etc. Such accommodations extended to customers who are not experiencing financial difficulty do not result in TDR classification. Summary information pertaining to the TDRs that occurred during the three and nine months ended September 30, 2015 and 2014 follows: For the Three Months Ended For the Nine Months Ended September 30, September 30, 2015 2015 Pre Post Pre Post Outstanding Outstanding Outstanding Outstanding Number Recorded Recorded Number Recorded Recorded of Loans Investment Investment of Loans Investment Investment Commercial real estate mortgages 3 $ 214 $ 226 3 $ 214 $ 226 Commercial and industrial loans -- -- -- -- -- -- Agricultural and other loans to farmers -- -- -- 1 18 16 Total commercial loans 3 214 226 4 232 242 Residential real estate mortgages -- $ --- $ --- 3 $ 1,267 $ 1,266 Home equity loans -- -- - -- -- -- -- Other consumer loans -- -- - -- -- -- -- Total consumer loans -- -- - -- 3 1,267 1,266 Total 3 $ 214 $ 226 7 $ 1,499 $ 1,508 For the Three Months Ended For the Nine Months Ended September 30, September 30, 2014 2014 Pre Post Pre Post Outstanding Outstanding Outstanding Outstanding Number Recorded Recorded Number Recorded Recorded of Loans Investment Investment of Loans Investment Investment Agricultural and other loans to farmers 1 $ 100 $ 99 1 $ 100 $ 99 Total commercial loans 1 100 99 1 100 99 Total 1 $ 100 $ 99 1 $ 100 $ 99 The following tables show the Bank's post-modification balance of TDRs listed by type of modification for TDRs that occurred during the three and nine months ended September 30, 2015 and 2014: September 30, 2015 September 30, 2014 Three Nine Three Nine Months Months Months Months Ended Ended Ended Ended Extended maturity and adjusted interest rate $ 118 $ 134 $ 99 $ 99 Adjusted payment -- 607 -- -- Adjusted payment and capitalized interest -- 187 -- -- Extended maturity, adjusted interest rate, and adjusted payment 108 580 -- -- Total $ 226 $ 1,508 $ 99 $ 99 As of September 30, 2015, the Bank had two two 108 six four 963 four three 140 five five 1,650 one 18 one 9 September 30, 2015, five 812 none As of December 31, 2014, the Bank had six six one one nine 1,449 seven 357 none During the nine months ended September 30, 2015 and 2014, there were no Past due loans: Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. The following tables set forth information regarding past due loans at September 30, 2015, and December 31, 2014. Amounts shown exclude deferred loan origination fees and costs. 60-89 >90 Days 30-59 Days 90 Days Total Past Due September 30, 2015 Days Past or Past Total Non and Past Due Due Greater Due Current Loans Accrual Accruing Commercial real estate mortgages $ 698 $ --- $ 115 $ 813 $ 371,704 $ 372,517 $ 1,163 $ --- Commercial and industrial 13 3 274 290 77,598 77,888 297 --- Commercial construction and land development - -- - -- 1,260 1,260 23,894 25,154 1,260 --- Agricultural and other loans to farmers 2 - -- - -- 2 32,518 32,520 16 --- Residential real estate mortgages 1,429 78 1,149 2,656 388,412 391,068 3,492 --- Home equity 25 60 767 852 50,438 51,290 791 --- Other consumer loans 57 6 2 65 10,082 10,147 14 --- Tax exempt - -- - -- - -- - -- 15,319 15,319 - -- --- Total $ 2,224 $ 147 $ 3,567 $ 5,938 $ 969,965 $ 975,903 $ 7,033 $ --- 60-89 >90 Days 30-59 Days 90 Days Total Past Due December 31, 2014 Days Past Past or Past Total Non and Due Due Greater Due Current Loans Accrual Accruing Commercial real estate mortgages $ 189 $ 234 $ 1,843 $ 2,266 $ 323,683 $ 325,949 $ 3,156 $ --- Commercial and industrial 665 45 333 1,043 72,850 73,893 624 --- Commercial construction and land development -- -- 1,328 1,328 24,093 25,421 1,328 --- Agricultural and other loans to farmers 27 -- 64 91 30,380 30,471 84 --- Residential real estate mortgages 1,980 547 1,681 4,208 378,470 382,678 6,051 --- Home equity 138 40 575 753 51,042 51,795 1,029 --- Other consumer loans 231 5 7 243 11,897 12,140 16 --- Tax exempt -- -- -- -- 16,693 16,693 -- $ --- Total $ 3,230 $ 871 $ 5,831 $ 9,932 $ 909,108 $ 919,040 $ 12,288 $ --- Impaired Loans: Impaired loans are all commercial loans for which the Company believes it is probable that it will be unable to collect all amounts due according to the contractual terms of the loan agreement, as well as all loans modified into a TDR, if any. Allowances for losses on impaired loans are determined by the lower of the present value of the expected cash flows related to the loan, using the original contractual interest rate, and its recorded value, or in the case of collateral dependent loans, the lower of the fair value of the collateral, less costs to dispose, and the recorded amount of the loans. When foreclosure is probable, impairment is measured based on the fair value of the collateral less cost to sell. Details of impaired loans as of September 30, 2015 and December 31, 2014 follows: September 30, 2015 December 31, 2014 Unpaid Unpaid Recorded Principal Related Recorded Principal Related Investment Balance Allowance Investment Balance Allowance With no related allowance: Commercial real estate mortgages $ 1,583 $ 1,627 $ --- $ 1,606 $ 1,606 $ --- Commercial and industrial 212 246 - -- 309 309 - -- Commercial construction and land development - -- - -- - -- 1,328 3,253 - -- Agricultural and other loans to farmers 108 108 - -- 181 181 - -- Residential real estate loans 1,302 1,447 - -- 389 419 - -- Home equity loans 18 18 - -- - -- - -- - -- Other consumer - -- - -- - -- - -- - -- - -- Subtotal $ 3,223 $ 3,446 $ --- $ 3,813 $ 5,768 $ --- With an allowance: Commercial real estate mortgages $ 405 $ 405 $ 39 $ 1,986 $ 2,014 $ 776 Commercial and industrial 225 375 176 325 555 187 Commercial construction and land development 1,260 3,185 24 - -- - -- - -- Agricultural and other loans to farmers - -- - -- - -- - -- - -- - -- Residential real estate loans 348 348 52 - -- - -- - -- Home equity loans - -- - -- - -- - -- - -- - -- Other consumer 9 9 - -- 10 10 1 Subtotal $ 2,247 $ 4,322 $ 291 $ 2,321 $ 2,579 $ 964 Total $ 5,470 $ 7,768 $ 291 $ 6,134 $ 8,347 $ 964 Details of impaired loans for the three and nine months ended September 30, 2015 and 2014 follows: September 30, 2015 September 30, 2014 Three Months Ended Nine Months Ended Three Months Ended Nine Months Ended Average Average Average Average Recorded Interest Recorded Interest Recorded Interest Recorded Interest Investment Recorded Investment Recorded Investment Recorded Investment Recorded With no related allowance: Commercial real estate mortgages $ 2,408 $ 20 $ 3,099 $ 42 $ 1,763 $ 11 $ 1,877 $ 43 Commercial and industrial 231 2 334 7 512 1 663 3 Commercial construction and land development - -- - -- - -- - -- 1,328 - -- 1,576 - -- Agricultural and other loans to farmers 123 3 155 7 143 - -- 89 2 Residential real estate mortgages 1,332 8 1,325 21 468 3 470 10 Home equity loans 18 - -- 18 1 20 1 20 1 Other consumer - -- - -- - -- - -- 11 - -- 12 - -- Subtotal $ 4,112 $ 33 $ 4,931 $ 78 $ 4,245 $ 16 $ 4,707 $ 59 With an allowance: Commercial real estate mortgages $ 405 $ --- $ 405 $ --- $ 229 $ --- $ 498 $ --- Commercial and industrial 226 - -- 228 - -- 404 - -- 403 - -- Commercial construction - -- and land development 1,260 - -- 1,260 - -- - -- - -- - -- Agricultural and - -- other loans to farmers - -- - -- - -- - -- - -- - -- - -- Residential real - -- estate mortgages 348 - -- 346 - -- - -- - -- - -- Home equity loans - -- - -- - -- - -- - -- - -- - -- - -- Other consumer 10 - -- 10 - -- - -- - -- - -- - -- Subtotal $ 2,249 $ --- $ 2,249 $ --- $ 633 $ --- $ 901 $ --- Total $ 6,361 $ 33 $ 7,180 $ 78 $ 4,878 $ 16 $ 5,608 $ 59 Credit Quality Indicators/Classified Loans: In monitoring the credit quality of the portfolio, management applies a credit quality indicator to all categories of commercial loans. These credit quality indicators range from one through nine, with a higher number correlating to increasing risk of loss. These ratings are used as inputs to the calculation of the allowance for loan losses. Consistent with regulatory guidelines, the Bank provides for the classification of loans which are considered to be of lesser quality as substandard, doubtful, or loss. The Bank considers a loan substandard if it is inadequately protected by the current net worth and paying capacity of the borrower or of the collateral pledged, if any. Substandard loans have a well-defined weakness that jeopardizes liquidation of the debt. Substandard loans include those loans where there is the distinct possibility of some loss of principal, if the deficiencies are not corrected. Loans that the Bank classifies as doubtful have all of the weaknesses inherent in those loans that are classified as substandard but also have the added characteristic that the weaknesses present make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The possibility of loss is high but because of certain important and reasonably specific pending factors which may work to the advantage and strengthening of the loan, its classification as an estimated loss is deferred until its more exact status may be determined. Pending factors include proposed merger, acquisition, or liquidation procedures, capital injection, perfecting liens on additional collateral and refinancing plans. The entire amount of the loan might not be classified as doubtful when collection of a specific portion appears highly probable. Loans are generally not classified doubtful for an extended period of time (i.e., over a year). Loans that the Bank classifies as loss are those considered uncollectible and of such little value that their continuance as an asset is not warranted and the uncollectible amounts are charged-off. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be affected in the future. Losses are taken in the period in which they are determined to be uncollectible Loans that do not expose the Bank to risk sufficient to warrant classification in one of the aforementioned categories, but which possess some weaknesses, are designated special mention. A special mention loan has potential weaknesses that deserve management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the institution's credit position at some future date. This might include loans which the lending officer may be unable to supervise properly because of: (i) lack of expertise, inadequate loan agreement; (ii) the poor condition of or lack of control over collateral; (iii) failure to obtain proper documentation or any other deviations from prudent lending practices. Economic or market conditions which may, in the future, affect the obligor may warrant special mention of the asset. Loans for which an adverse trend in the borrower's operations or an imbalanced position in the balance sheet which has not reached a point where the liquidation is jeopardized may be included in this classification. Special mention assets are not adversely classified and do not expose an institution to sufficient risks to warrant classification. The following tables summarize the commercial loan portfolio as of September 30, 2015, and December 31, 2014, by credit quality indicator. Credit quality indicators are reassessed for each applicable commercial loan at least annually, or upon receipt and analysis of the borrower's financial statements, when applicable. Consumer loans, which principally consist of residential mortgage loans, are not rated, but are evaluated for credit quality after origination based on delinquency status (see past due loan aging table above). Commercial Commercial construction Agricultural real estate Commercial and land and other loans September 30, 2015 mortgages and industrial development to farmers Total Pass $ 346,503 $ 72,568 $ 23,607 $ 32,182 $ 474,860 Other Assets Especially Mentioned 8,845 2,623 287 183 11,938 Substandard 17,169 2,696 1,260 155 21,280 Doubtful - -- - -- - -- - -- - -- Loss - -- 1 - -- - -- 1 Total $ 372,517 $ 77,888 $ 25,154 $ 32,520 $ 508,079 Commercial Commercial construction Agricultural real estate Commercial and land and other loans December 31, 2014 mortgages and industrial development to farmers Total Pass $ 302,376 $ 62,226 $ 23,290 $ 30,047 $ 417,939 Other Assets Especially Mentioned 11,501 7,349 - -- 193 19,043 Substandard 12,072 4,318 2,131 231 18,752 Doubtful - -- - -- - -- - -- - -- Loss - -- - -- - -- - -- - -- Total $ 325,949 $ 73,893 $ 25,421 $ 30,471 $ 455,734 Allowance for Loan Losses: The allowance for loan losses (the "allowance") is a reserve established through a provision for loan losses (the "provision") charged to expense, which represents management's best estimate of probable losses that have been incurred within the existing portfolio of loans. The allowance, in the judgment of management, is necessary to provide for estimated loan losses and risks inherent in the loan portfolio. The Bank's allowance for loan loss methodology includes allowance allocations calculated in accordance with ASC Topic 310, "Receivables" and allowance allocations calculated in accordance with ASC Topic 450, "Contingencies." Accordingly, the methodology is based on historical loss experience by type of credit and internal risk grade, homogeneous risk pools and specific loss allocations, with qualitative factor adjustments for current events and conditions. The allowance calculation also includes an estimated adjustment for a Loss Emergence Period, which improves the Bank's ability to more accurately forecast probable losses that may exist in the loan portfolio that have not yet emerged into "problem loan" status. The Bank's process for determining the appropriate level of the allowance is designed to account for credit deterioration as it occurs. The provision reflects loan quality trends, including the levels of and trends related to non-accrual loans, past due loans, potential problem loans, criticized loans and net charge-offs or recoveries, and the overall size of the loan portfolio, among other factors. The provision also reflects the totality of actions taken on all loans for a particular period. In other words, the amount of the provision reflects not only the necessary increases in the allowance related to newly identified criticized loans, but it also reflects actions taken related to other loans including, among other things, any necessary increases or decreases in required allowances for specific loans or loan pools. The level of the allowance reflects management's continuing evaluation of industry concentrations, specific credit risks, loan loss experience, current loan portfolio quality, present economic, political and regulatory conditions and unidentified losses inherent in the current loan portfolio. While management utilizes its best judgment and information available, the ultimate adequacy of the allowance is dependent upon a variety of factors beyond the Bank's control, including, among other things, the performance of the Bank's loan portfolio, the economy, changes in interest rates and the view of the regulatory authorities toward loan classifications. The Bank's allowance for loan losses consists of three principal elements: (i) specific valuation allowances determined in accordance with ASC Topic 310 based on probable losses on specific loans; (ii) historical valuation allowances determined in accordance with ASC Topic 450 based on historical loan loss experience for similar loans with similar characteristics and trends, adjusted, as necessary, to reflect the impact of current conditions; and (iii) general valuation allowances determined in accordance with ASC Topic 450 based on general economic conditions and other qualitative risk factors both internal and external to the Bank. The allowances established for probable losses on specific loans are based on a regular analysis and evaluation of problem loans. Loans are classified based on an internal credit risk grading process that evaluates, among other things: (i) the obligor's ability to repay; (ii) the underlying collateral, if any; and (iii) the economic environment and industry in which the borrower operates. This analysis is performed at the relationship level for all commercial loans. When a loan has a classification of substandard or worse, the Bank analyzes the loan to determine whether the loan is impaired and, if impaired, the need to specifically allocate a portion of the allowance to the loan. Specific valuation allowances are determined by analyzing the borrower's ability to repay amounts contractually owed, collateral deficiencies, the relative risk grade of the loan and economic conditions affecting the borrower's industry, among other observable considerations. Historical valuation allowances are calculated based on the historical loss experience of specific types of loans and the internal risk grade of such loans at the time they were charged-off. The Bank calculates historical loss ratios for pools of similar loans with similar characteristics based on the proportion of actual net charge-offs experienced to the total loan balance in the pool The historical loss ratios are updated quarterly based on this net charge-off experience General valuation allowances are based on general economic conditions and other qualitative risk factors both internal and external to the Bank. In general, such valuation allowances are determined by evaluating, among other things: (i) changes in lending policies and procedures; (ii) economic and business conditions; (iii) changes in the volume and nature of the loan portfolio; (iv) experience, ability and depth of lending management and staff; (v) changes in asset quality and problem loan trends; (vi) quality of internal controls and effectiveness of loan review; (vii) concentrations of credit; (viii) external factors, including changes in competition, legal, and regulatory matters; and (ix) real estate market conditions and valuations of collateral. Management evaluates the degree of risk that each one of these components has on the quality of the loan portfolio on a quarterly basis. The results are then used to determine an appropriate general valuation allowance. Loans identified as losses by management, external loan review and/or bank examiners, are charged-off. Furthermore, consumer loan accounts are charged-off based on regulatory requirements. The following tables detail activity in the allowance for loan losses by portfolio segment for the three and nine months ended September 30, 2015, and 2014 and twelve months ended December 31, 2014 Commercial Three Months Commercial Construction September 30, 2015 Commercial and and land Residential Home Tax Real Estate Industrial development Agricultural Real Estate Consumer Equity Exempt Total Beginning Balance $ 4,289 $ 1,147 $ 145 $ 372 $ 2,485 $ 110 $ 472 $ 79 $ 9,099 Charged Off (461 ) (22 ) - -- (54 ) - -- (23 ) (25 ) - -- (585 ) Recoveries 58 31 - -- 3 - -- 6 - -- - -- 98 Provision 600 (49 ) (12 ) 28 (182 ) 11 34 (5 ) 425 Ending Balance $ 4,486 $ 1,107 $ 133 $ 349 $ 2,303 $ 104 $ 481 $ 74 $ 9,037 Commercial Nine Months Ended Commercial Construction September 30, 2015 Commercial and and land Residential Home Tax Real Estate Industrial development Agricultural Real Estate Consumer Equity Exempt Total Beginning Balance $ 4,468 $ 929 $ 145 $ 277 $ 2,714 $ 94 $ 271 $ 71 $ 8,969 Charged Off (667 ) (310 ) - -- (72 ) (70 ) (48 ) (376 ) - -- (1,543 ) Recoveries 97 33 - -- 15 129 17 - -- - -- 291 Provision 588 455 (12 ) 129 (470 ) 41 586 3 1,320 Ending Balance $ 4,486 $ 1,107 $ 133 $ 349 $ 2,303 $ 104 $ 481 $ 74 $ 9,037 of which: Amount for loans individually evaluated for impairment $ 39 $ 176 $ 24 $ --- $ 52 $ --- $ --- $ --- $ 291 Amount for loans collectively evaluated for impairment $ 4,447 $ 931 $ 109 $ 349 $ 2,251 $ 104 $ 481 $ 74 $ 8,746 Loans individually evaluated for impairment $ 1,988 $ 437 $ 1,260 $ 108 $ 1,650 $ 9 $ 18 $ --- $ 5,470 Loans collectively evaluated for impairment $ 370,529 $ 77,451 $ 23,894 $ 32,412 $ 389,418 $ 10,138 $ 51,272 $ 15,319 $ 970,433 Commercial Commercial Construction Three Months Commercial and and land Residential Home Tax September 30, 2014 Real Estate Industrial development Agricultural Real Estate Consumer Equity Exempt Total Beginning Balance $ 4,887 $ 1,573 $ 254 $ 371 $ 1,149 $ 103 $ 241 $ 173 $ 8,751 Charged Off (19 ) (317 ) - -- - -- (264 ) (68 ) - -- - -- (668 ) Recoveries 34 1 - -- 11 - -- 14 1 - -- 61 Provision (71 ) 150 77 (26 ) 275 97 - -- (11 ) 491 Ending Balance $ 4,831 $ 1,407 $ 331 $ 356 $ 1,160 $ 146 $ 242 $ 162 $ 8,635 Commercial Nine Months Ended Commercial Construction September 30, 2014 Commercial and and land Residential Home Tax Real Estate Industrial development Agricultural Real Estate Consumer Equity Exempt Total Beginning Balance $ 4,825 $ 1,266 $ 314 $ 335 $ 1,166 $ 137 $ 264 $ 168 $ 8,475 Charged Off (184 ) (416 ) - -- (14 ) (557 ) (148 ) (18 ) - -- (1,337 ) Recoveries 40 13 - -- 26 12 29 1 - -- 121 Provision 150 544 17 9 539 128 (5 ) (6 ) 1,376 Ending Balance $ 4,831 $ 1,407 $ 331 $ 356 $ 1,160 $ 146 $ 242 $ 162 $ 8,635 Commercial Twelve Months Commercial Construction December 31, 2014 Commercial and and land Residential Home Tax Real Estate Industrial development Agricultural Real Estate Consumer Equity Exempt Total Beginning Balance $ 4,825 $ 1,266 $ 314 $ 335 $ 1,166 $ 137 $ 264 $ 168 $ 8,475 Charged-off (238 ) (475 ) - -- (14 ) (650 ) (191 ) (52 ) - -- (1,620 ) Recoveries 85 16 - -- 130 12 37 1 - -- 281 Provision (204 ) 122 (169 ) (174 ) 2,186 111 58 (97 ) 1,833 Ending Balance $ 4,468 $ 929 $ 145 $ 277 $ 2,714 $ 94 $ 271 $ 71 $ 8,969 of which: Amount for loans Individually evaluated for impairment $ 776 $ 187 $ - -- $ --- $ - -- $ 1 $ --- $ --- $ 964 Amount for loans collectively evaluated for impairment $ 3,692 $ 742 $ 145 $ 277 $ 2,714 $ 93 $ 271 $ 71 $ 8,005 Loans individually evaluated for impairment $ 3,592 $ 634 $ 1,328 $ 181 $ 389 $ 10 $ --- $ --- $ 6,134 Loans collectively evaluated for impairment $ 322,357 $ 73,259 $ 24,093 $ 30,290 $ 382,289 $ 12,130 $ 51,795 $ 16,693 $ 912,906 Loan Concentrations: Because of the Companys proximity to Acadia National Park, a large part of the economic activity in the Bank's area is generated from the hospitality business associated with tourism. At September 30, 2015, and December 31, 2014, loans to the lodging industry amounted to approximately $ 99,805 112,520

Reclassifications Out Of Accumu

Reclassifications Out Of Accumulated Other Comprehensive Income	9 Months Ended
	Sep. 30, 2015
Reclassifications Out Of Accumulated Other Comprehensive Income [Abstract]
Reclassifications Out Of Accumulated Other Comprehensive Income	Note 7: Reclassifications Out of Accumulated Other Comprehensive Income The following table summarizes the reclassifications out of Accumulated Other Comprehensive Income for the nine months ended September 30, 2015 and 2014. Amount Reclassified from Accumulated Other Comprehensive Income Details about Accumulated Three Months Nine Months Affected Line Item in the Statement Other Comprehensive Income Ended 9/30/2015 Ended 9/30/2015 Where Net Income is Presented Unrealized gains and losses on available-for-sale securities Tax (expense) or benefit $ --- $ 1,206 Net securities gains Net of tax - -- (422 ) Provision for income taxes $ --- $ 784 Net income Amortization of post retirement benefit plan Amortization of actuarial loss for supplemental executive retirement plan (10 ) (29 ) Salaries and benefits Tax (expense) or benefit 3 10 Provision for income taxes Net of tax $ ( 7 ) $ (19 ) Net income Total reclassification for the period $ (7 ) $ 765 Net (loss) income, net of tax Details about Accumulated Three Months Nine Months Affected Line Item in the Statement Other Comprehensive Income Ended 9/30/2014 Ended 9/30/2014 Where Net Income is Presented Unrealized gains and losses on available-for-sale securities Tax (expense) or benefit $ (81 ) $ 666 Net securities gains Net of tax 28 (226 ) Provision for income taxes $ (53 ) $ 440 Net income Amortization of post retirement benefit plan Amortization of actuarial loss for supplemental executive retirement plan (16 ) (21 ) Salaries and benefits Tax (expense) or benefit 5 7 Provision for income taxes Net of tax $ (11 ) $ (14 ) Net income Total reclassification for the period $ (64 ) $ 426 Net income, net of tax

Financial Derivative Instrument

Financial Derivative Instruments	9 Months Ended
	Sep. 30, 2015
Financial Derivative Instruments [Abstract]
Financial Derivative Instruments	Note 8: Financial Derivative Instruments As part of its overall asset and liability management strategy, the Bank periodically uses derivative instruments to minimize significant unplanned fluctuations in earnings and cash flows caused by interest rate volatility. The Bank's interest rate risk management strategy involves modifying the re-pricing characteristics of certain assets or liabilities so that changes in interest rates do not have a significant effect on net interest income. The Company recognizes its derivative instruments on the consolidated balance sheet at fair value. On the date the derivative instrument is entered into, the Bank designates whether the derivative is part of a hedging relationship (i.e., cash flow or fair value hedge). The Bank formally documents relationships between hedging instruments and hedged items, as well as its risk management objective and strategy for undertaking hedge transactions. The Bank also assesses, both at the hedge's inception and on an ongoing basis, whether the derivatives used in hedging transactions are highly effective in offsetting the changes in cash flows or fair values of hedged items. Changes in fair value of derivative instruments that are highly effective and qualify as cash flow hedges are recorded in other comprehensive income or loss. Any ineffective portion is recorded in earnings. The Bank discontinues hedge accounting when it is determined that the derivative is no longer highly effective in offsetting changes of the hedged risk on the hedged item, or management determines that the designation of the derivative as a hedging instrument is no longer appropriate. At September 30, 2015, the Bank had four 90,000 The details of the Bank's financial derivative instruments as of September 30, 2015 are summarized below: Interest Rate Cap Agreements Unamortized 3-Month Premium at Fair Value Cumulative Notional Termination LIBOR Premium September 30, September 30, Cash Flows Amount Date Strike Rate Paid 2015 2015 Received $ 25,000 06/02/21 3.00 % $ 922 $ 921 $ 327 $ --- $ 20,000 06/04/24 3.00 % $ 1,470 $ 1,470 $ 688 $ --- $ 20,000 10/21/21 3.00 % $ 632 $ 632 $ 297 $ --- $ 25,000 10/21/24 3.00 % $ 1,542 $ 1,542 $ 939 $ --- In 2014, interest rate cap agreements were purchased to limit the Bank's exposure to rising interest rates on four rolling, three-month borrowings indexed to three month LIBOR. Under the terms of the agreements, the Bank paid total premiums of $ 4,566 3.00 3.00 At September 30, 2015, the total fair value of the interest rate cap agreements was $ 2,251 3,455 The premiums paid on the interest rate cap agreements are being recognized as increases in interest expense over the duration of the agreements using the caplet method. For the nine months ended September 30, 2015, less than $ 1 34 A summary of the hedging related balances as of September 30, 2015 and December 31, 2014 follows: September 30, 2015 Gross Net of Tax Unrealized losses on interest rate caps $ (2,314 ) $ (1,504 ) Unamortized premium on interest rate caps 4,565 2,967 Total $ 2,251 $ 1,463 December 31, 2014 Gross Net of Tax Unrealized losses on interest rate caps $ (1,111 ) $ (722 ) Unamortized premium on interest rate caps 4,566 2,968 Total $ 3,455 $ 2,246

Retirement Benefit Plans

Retirement Benefit Plans	9 Months Ended
	Sep. 30, 2015
Retirement Benefit Plans [Abstract]
Retirement Benefit Plans	Note 9: Retirement Benefit Plans The Company has non-qualified supplemental executive retirement agreements with certain retired officers. The agreements provide supplemental retirement benefits payable in installments over a period of years upon retirement or death. The Company recognized the net present value of payments associated with the agreements over the service periods of the participating officers. Interest costs continue to be recognized on the benefit obligations. The Company also has a supplemental executive retirement agreement with a certain current executive officer. This agreement provides a stream of future payments in accordance with a defined vesting schedule upon retirement, termination, or upon a change of control. The following tables summarize the net periodic benefit costs for the three and nine months ended September 30, 2015, and 2014: Supplemental Executive Retirement Plans Three Months Ended September 30, 2015 2014 Service cost $ 17 $ 16 Interest cost 32 37 Actuarial loss on supplemental executive retirement plan, net of tax 7 7 Net periodic benefit cost $ 56 $ 60 Supplemental Executive Retirement Plans Nine Months Ended September 30, 2015 2014 Service cost $ 53 $ 48 Interest cost 94 112 Actuarial loss on supplemental executive retirement plan, net of tax 19 21 Net periodic benefit cost $ 166 $ 181 The Company is expected to recognize $ 234 291 216

Commitments And Contingent Liab

Commitments And Contingent Liabilities	9 Months Ended
	Sep. 30, 2015
Commitments And Contingent Liabilities [Abstract]
Commitments And Contingent Liabilities	Note 10: Commitments and Contingent Liabilities The Bank is a party to financial instruments in the normal course of business to meet financing needs of its customers. These financial instruments include commitments to extend credit, unused lines of credit, and standby letters of credit. Commitments to originate loans, including unused lines of credit, are agreements to lend to a customer provided 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 Bank uses the same credit policy to make such commitments as it uses for on-balance-sheet items, such as loans. The Bank evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management's credit evaluation of the borrower. The Bank guarantees the obligations or performance of customers by issuing standby letters of credit to third parties. These standby letters of credit are primarily issued in support of third party debt or obligations. The risk involved in issuing standby letters of credit is essentially the same as the credit risk involved in extending loan facilities to customers, and they are subject to the same credit origination, portfolio maintenance and management procedures in effect to monitor other credit and off-balance sheet instruments. Exposure to credit loss in the event of non-performance by the counter-party to the financial instrument for standby letters of credit is represented by the contractual amount of those instruments. Typically, these standby letters of credit have terms of five years or less and expire unused; therefore, the total amounts do not necessarily represent future cash requirements. The following table summarizes the contractual amounts of commitments and contingent liabilities as of September 30, 2015, and December 31, 2014: September 30, December 31, 2015 2014 Commitments to originate loans $ 42,030 $ 21,147 Unused lines of credit $ 98,326 $ 92,817 Un-advanced portions of construction loans $ 14,857 $ 23,434 Standby letters of credit $ 385 $ 325 As of September 30, 2015, and December 31, 2014, the fair value of the standby letters of credit was not significant to the Company's consolidated financial statements.

Goodwill And Other Intangible A

Goodwill And Other Intangible Assets	9 Months Ended
	Sep. 30, 2015
Goodwill And Other Intangible Assets [Abstract]
Goodwill And Other Intangible Assets	Note 11: Goodwill and Other Intangible Assets Goodwill: Goodwill totaled $ 4,935 1,777 Core Deposit Intangible Asset: The Company has a finite-lived intangible asset capitalized on its consolidated balance sheet in the form of a core deposit intangible asset related to the Border Trust Company acquisition. The core deposit intangible is being amortized over an estimated useful life of eight and one-half years and is included in other assets on the Company's consolidated balance sheet. At September 30, 2015, and December 31, 2014, the balance of the core deposit intangible asset amounted to $ 493 562 September 30, December 31, 2015 2014 Core deposit intangibles: Gross carrying amount $ 783 $ 783 Less: accumulated amortization 290 221 Net carrying amount $ 493 $ 562 Amortization expense on the finite-lived intangible assets is expected to total $92 for each year from 2015 through 2020, then $8 for 2021.

Fair Value Measurements

Fair Value Measurements	9 Months Ended
	Sep. 30, 2015
Fair Value Measurements [Abstract]
Fair Value Measurements	Note 12: Fair Value Measurements The Company measures fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. A fair value measurement assumes that the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability or, in the absence of a principal market, the most advantageous market for the asset or liability. The price in the principal (or most advantageous) market used to measure the fair value of the asset or liability shall not be adjusted for transaction costs. An orderly transaction is a transaction that assumes exposure to the market for a period prior to the measurement date to allow for marketing activities that are usual and customary for transactions involving such assets and liabilities; it is not a forced transaction. Market participants are buyers and sellers in the principal market that are (i) independent, (ii) knowledgeable, (iii) able to transact, and (iv) willing to transact. The Company's fair value measurements employ valuation techniques that are consistent with the market approach, the income approach and/or the cost approach. The market approach uses prices and other relevant information generated by market transactions involving identical or comparable assets and liabilities. The income approach uses valuation techniques to convert future amounts, such as cash flows or earnings, to a single present amount on a discounted basis. The cost approach is based on the amount that currently would be required to replace the servicing capacity of an asset (replacement cost). Valuation techniques are consistently applied. Inputs to valuation techniques refer to the assumptions that market participants would use in pricing the asset or liability. Inputs may be observable, meaning those that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from independent sources, or unobservable, meaning those that reflect the reporting entity's own assumptions about the assumptions market participants would use in pricing the asset or liability developed based on the best information available in the circumstances. The Company uses a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets (Level 1 measurements) for identical assets or liabilities and the lowest priority to unobservable inputs (Level 3 measurements). The fair value hierarchy is as follows: Level 1 – Valuation is based on unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date. Level 2 – Valuation is based on quoted prices for similar instruments in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, and model-based techniques for which all significant assumptions are observable in the market. Level 3 – Valuation is principally generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates that market participants would use in pricing the asset or liability. Valuation techniques include use of discounted cash flow models and similar techniques. The level in the fair value hierarchy within which the fair value measurement in its entirety falls is determined based on the lowest level input that is significant to the fair value measurement in its entirety. The most significant instruments that the Company values are securities, all of which fall into Level 2 in the fair value hierarchy. The securities in the available for sale portfolio are priced by independent providers. In obtaining such valuation information from third parties, the Company has evaluated their valuation methodologies used to develop the fair values in order to determine whether valuations are appropriately placed within the fair value hierarchy and whether the valuations are representative of an exit price in the Company's principal markets. The Company's principal markets for its securities portfolios are the secondary institutional markets, with an exit price that is predominantly reflective of bid level pricing in those markets. Additionally, the Company periodically tests the reasonableness of the prices provided by these third parties by obtaining fair values from other independent providers and by obtaining desk bids from a variety of institutional brokers. A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below. Securities Available for Sale: All securities and major categories of securities classified as available for sale are reported at fair value utilizing Level 2 inputs. For these securities, the Company obtains fair value measurements from independent pricing providers. The fair value measurements used by the pricing providers consider observable data that may include dealer quotes, market maker quotes and live trading systems. If quoted prices are not readily available, fair values are determined using matrix pricing models, or other model-based valuation techniques requiring observable inputs other than quoted prices such as market pricing spreads, credit information, callable features, cash flows, the U.S. Treasury yield curve, trade execution data, market consensus prepayment speeds, default rates, and the securities' terms and conditions, among other things. The foregoing valuation methodologies may produce fair value calculations that may not be fully indicative of net realizable value or reflective of future fair values. While Company management believes these valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. The following tables summarize financial assets and financial liabilities measured at fair value on a recurring basis as of September 30, 2015, and December 31, 2014, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value: Level 1 Level 2 Level 3 Total Fair September 30, 2015 Inputs Inputs Inputs Value Securities available for sale: Mortgage-backed securities: US Government-sponsored enterprises $ --- $ 302,566 $ --- $ 302,566 US Government agencies $ --- $ 83,677 $ --- $ 83,677 Private label $ --- $ 3,742 $ --- $ 3,742 Obligations of states and political subdivisions thereof $ --- $ 112,695 $ --- $ 112,695 Derivative assets $ --- $ 2,251 $ --- $ 2,251 Level 1 Level 2 Level 3 Total Fair December 31, 2014 Inputs Inputs Inputs Value Securities available for sale: Mortgage-backed securities: US Government-sponsored enterprises $ --- $ 288,210 $ --- $ 288,210 US Government agencies $ --- $ 83,346 $ --- $ 83,346 Private label $ --- $ 4,524 $ --- $ 4,524 Obligations of states and political subdivisions thereof $ --- $ 94,445 $ --- $ 94,445 Derivative assets $ --- $ 3,455 $ --- $ 3,455 The following tables present the carrying value of certain financial assets and financial liabilities measured at fair value on a non-recurring basis, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value. Fair Value Level 1 Level 2 Level 3 as of For the Nine Months Ended 9/30/15 Inputs Inputs Inputs 9/30/15 Loss Other real estate owned $ -- $ -- $ 818 $ 818 $ 20 Collateral dependent impaired loans $ -- $ -- $ 2,022 $ 2,022 $ --- Fair Value Level 1 Level 2 Level 3 as of For the Twelve Months Ended 12/31/14 Inputs Inputs Inputs 12/31/14 Loss Other real estate owned $ -- $ -- $ 523 $ 523 $ 397 Collateral dependent impaired loans $ -- $ -- $ 1,986 $ 1,986 $ --- The Company had total collateral dependent impaired loans with carrying values of $ 2,022 1,986 277 776 10 30 In estimating the fair value of OREO, the Company generally uses market appraisals less estimated costs to dispose of the property, which generally range from 10% to 30% of appraised value. Management may also make adjustments to reflect estimated fair value declines, or may apply other discounts to appraised values for unobservable factors resulting from its knowledge of the property or consideration of broker quotes. The appraisers use a market, income, and/or a cost approach in determining the value of the collateral. Therefore they have been categorized as a Level 3 measurement. There were no transfers between levels during the periods presented.

Fair Value Of Financial Instrum

Fair Value Of Financial Instruments	9 Months Ended
	Sep. 30, 2015
Fair Value Of Financial Instruments [Abstract]
Fair Value Of Financial Instruments	Note 13: Fair Value of Financial Instruments The Company discloses fair value information about financial instruments for which it is practicable to estimate fair value. Fair value estimates are made as of a specific point in time based on the characteristics of the financial instruments and relevant market information. Where available, quoted market prices are used. In other cases, fair values are based on estimates using present value or other valuation techniques. These techniques involve uncertainties and are significantly affected by the assumptions used and judgments made regarding risk characteristics of various financial instruments, discount rates, estimates of future cash flows, future expected loss experience and other factors. Changes in assumptions could significantly affect these estimates. Derived fair value estimates cannot be substantiated by comparison to independent markets and, in certain cases, could not be realized in an immediate sale of the instrument. Fair value estimates are based on existing financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Accordingly, the aggregate fair value amounts presented do not purport to represent the underlying market value of the Company. The following describes the methods and significant assumptions used by the Company in estimating the fair values of significant financial instruments: Cash and Cash Equivalents: For cash and cash equivalents, including cash and due from banks and other short-term investments with maturities of 90 days or less, the carrying amounts reported on the consolidated balance sheet approximate fair values. Federal Home Loan Bank stock: For Federal Home Loan Bank stock, the carrying amounts report on the consolidated balance sheet approximate fair values. Loans: For variable rate loans that re-price frequently and have no significant change in credit risk, fair values are based on carrying values. The fair value of other loans is estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities. Deposits : The fair value of deposits with no stated maturity is equal to the carrying amount. The fair value of time deposits is based on the discounted value of contractual cash flows, applying interest rates currently being offered on wholesale funding products of similar maturities. The fair value estimates for deposits do not include the benefit that results from the low-cost funding provided by the deposit liabilities compared to the cost of alternative forms of funding ("deposit base intangibles"). Borrowings: For borrowings that mature or re-price in 90 days or less, carrying value approximates fair value. The fair value of the Company's remaining borrowings is estimated by using discounted cash flows based on current rates available for similar types of borrowing arrangements taking into account any optionality. Accrued Interest Receivable and Payable: The carrying amounts of accrued interest receivable and payable approximate their fair values. Off-Balance Sheet Financial Instruments: The Company's off-balance sheet instruments consist of loan commitments and standby letters of credit. Fair values for standby letters of credit were insignificant. A summary of the carrying values and estimated fair values of the Company's significant financial instruments at September 30, 2015 and December 31, 2014, follows: Carrying Level 1 Level 2 Level 3 Total September 30, 2015 Value Inputs Inputs Inputs Fair Value Financial Assets: Cash and cash equivalents $ 12,336 $ 12,336 $ - -- $ --- $ 12,336 Federal Home Loan Bank stock 23,593 - -- 23,593 --- 23,593 Loans, net 966,913 - -- 968,543 --- 968,543 Interest receivable 5,025 - -- 5,025 --- 5,025 Financial liabilities: Deposits (with no stated maturity) $ 538,664 $ - -- $ 538,664 $ --- $ 538,664 Time deposits 472,230 - -- 474,426 --- 474,426 Borrowings 395,606 - -- 396,756 --- 396,756 Interest payable 483 - -- 483 --- 483 Carrying Level 1 Level 2 Level 3 Total December 31, 2014 Value Inputs Inputs Inputs Fair Value Financial Assets: Cash and cash equivalents $ 9,800 $ 9,800 $ - -- $ --- $ 9,800 Federal Home Loan Bank stock 21,354 - -- 21,354 --- 21,354 Loans, net 910,055 - -- 913,784 --- 913,784 Interest receivable 4,795 - -- 4,975 --- 4,795 Financial liabilities: Deposits (with no stated maturity) $ 479,986 $ --- $ 479,986 $ --- $ 479,986 Time deposits 378,063 - -- 379,132 --- 379,132 Borrowings 447,020 - -- 447,637 --- 447,637 Interest payable 499 - -- 499 --- 499

Management's Use Of Estimates (

Management's Use Of Estimates (Policy)	9 Months Ended
	Sep. 30, 2015
Management's Use Of Estimates [Abstract]
Allowance For Loan Losses	Allowance for Loan Losses: The allowance for loan losses (the "allowance") is a significant accounting estimate used in the preparation of the Company's consolidated financial statements. The allowance is available to absorb losses on loans and is maintained at a level that, in management's judgment, is appropriate for the amount of risk inherent in the loan portfolio, given past and present conditions. The allowance is increased by provisions charged to operating expense and by recoveries on loans previously charged-off, and is decreased by loans or portion of loans charged-off as uncollectible. Arriving at an appropriate level of allowance involves a high degree of judgment. The determination of the adequacy of the allowance and provisioning for estimated losses is evaluated regularly based on a review of loans, with particular emphasis on non-performing or other loans that management believes warrant special consideration. The ongoing evaluation process includes a formal analysis, which considers among other factors: the nature of the loan portfolios, business and economic conditions, real estate market conditions, collateral values, changes in product offerings or loan terms, loan growth, experience, ability, and depth of management, changes in underwriting and/or collection policies and procedures, changes in volumes of loan portfolios and speed of loan portfolio growth, concentrations to industries or individual borrowers, external factors including industry or regulatory changes, historical charge-off experience, delinquency trends, non-performing loan trends, the performance of individual loans in relation to contract terms, loan loss emergence periods, and estimated fair values of collateral. The allowance consists of allowances established for specific loans including impaired loans; pools of loans based on historical charge-offs by loan types; and supplemental allowances that adjust historical loss experience to reflect current economic conditions, industry specific risks, and other observable data. While management uses available information to recognize losses on loans, changing economic conditions and the economic prospects of the borrowers may necessitate future additions or reductions to the allowance. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the allowance, which also may necessitate future additions or reductions to the allowance, based on information available to them at the time of their examination.
Other-Than-Temporary Impairments On Investment Securities	Other-Than-Temporary Impairments on Investment Securities : One of the significant estimates relating to securities is the evaluation of other-than-temporary impairment ("OTTI"). If a decline in the fair value of a security is judged to be other-than-temporary, and management does not intend to sell the security and believes it is more-likely-than-not the Company will not be required to sell the security prior to recovery of cost or amortized cost, the portion of the total impairment attributable to the credit loss is recognized in earnings, and the remaining difference between the security's amortized cost basis and its fair value is included in other comprehensive income. For impaired available for sale debt securities that management intends to sell, or where management believes it is more-likely-than-not that the Company will be required to sell, an OTTI charge is recognized in earnings equal to the difference between fair value and cost or amortized cost basis of the security. The fair value of the OTTI security becomes its new cost basis. The evaluation of securities for impairments is a quantitative and qualitative process, which is subject to risks and uncertainties and is intended to determine whether declines in the fair value of securities should be recognized in current period earnings. The risks and uncertainties include changes in general economic conditions, the issuer's financial condition and/or future prospects, the effects of changes in interest rates or credit spreads and the expected recovery period of unrealized losses. The Company has a security monitoring process that identifies securities that, due to certain characteristics, as described below, are subjected to an enhanced analysis on a quarterly basis. Securities that are in an unrealized loss position are reviewed at least quarterly to determine if an OTTI is present based on certain quantitative and qualitative factors and measures. The primary factors considered in evaluating whether a decline in value of securities is other-than-temporary include: (a) the cause of the impairment; (b) the financial condition, credit rating and future prospects of the issuer; (c) whether the underlying debtor is current on contractually obligated interest and principal payments In addition, for securitized financial assets with contractual cash flows, such as private label mortgage-backed securities ("MBS"), the Company periodically updates its best estimate of cash flows over the life of the security. The Company's best estimate of cash flows is based upon assumptions consistent with the current economic environment, similar to those the Company believes market participants would use. Estimating future cash flows is a quantitative and qualitative process that incorporates information received from third party sources along with certain assumptions and judgments regarding the future performance of the underlying collateral. In addition, projections of expected future cash flows may change based upon new information regarding the performance of the underlying collateral.
Income Taxes	Income Taxes: The Company uses the asset and liability method of accounting for income taxes. Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. If current available information indicates that it is more-likely-than-not that deferred tax assets will not be realized, a valuation allowance is established. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Significant management judgment is required in determining income tax expense and deferred tax assets and liabilities. As of September 30, 2015, and December 31, 2014, there was no
Goodwill And Identifiable Intangible Assets	Goodwill and Identifiable Intangible Assets: In connection with acquisitions, the Company generally records as assets on its consolidated financial statements both goodwill and identifiable intangible assets, such as core deposit intangibles. The Company evaluates whether the carrying value of its goodwill has become impaired, in which case the value is reduced through a charge to its earnings. Goodwill is evaluated for impairment at least annually, or upon a triggering event using certain fair value techniques. Goodwill impairment testing is performed at the segment (or "reporting unit") level. Goodwill is assigned to reporting units at the date the goodwill is initially recorded. Once goodwill has been assigned to the reporting units, it no longer retains its association with a particular acquisition, and all of the activities within a reporting unit, whether acquired or organically grown, are available to support the value of the goodwill. Goodwill represents the excess of the purchase price over the fair value of net assets acquired in accordance with the purchase method of accounting for business combinations. Goodwill is not amortized but, instead, is subject to impairment tests on at least an annual basis or more frequently if an event occurs or circumstances change that reduce the fair value of a reporting unit below its carrying amount. The Company completes its annual goodwill impairment test as of December 31 of each year. The impairment testing process is conducted by assigning assets and goodwill to each reporting unit. Currently, the Company's goodwill is evaluated at the entity level as there is only one reporting unit. The Company first assesses certain qualitative factors to determine if it is more-likely-than-not that the fair value of the reporting unit is less than its carrying value. If it is more-likely-than-not that the fair value of the reporting unit is less than the carrying value, then the fair value of each reporting unit is compared to the recorded book value ("step one"). If the fair value of the reporting unit exceeds its carrying value, goodwill is not considered impaired and "step two" is not considered necessary. If the carrying value of a reporting unit exceeds its fair value, the impairment test continues ("step two") by comparing the carrying value of the reporting unit's goodwill to the implied fair value of goodwill. The implied fair value is computed by adjusting all assets and liabilities of the reporting unit to current fair value with the offset adjustment to goodwill. The adjusted goodwill balance is the implied fair value of the goodwill. An impairment charge is recognized if the carrying fair value of goodwill exceeds the implied fair value of goodwill. At December 31, 2014, there was no indication of impairment that led the Company to believe it needed to perform a two-step test. Any changes in the estimates used by the Company to determine the carrying value of its goodwill, or which otherwise adversely affect their value or estimated lives, would adversely affect the Company's consolidated results of operations.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2015
Earnings Per Share [Abstract]
Reconciliation Of Basic And Diluted Earnings Per Share	Three Months Ended Nine Months Ended September 30, September 30, 2015 2014 2015 2014 Net income $ 3,931 $ 3,867 $ 11,685 $ 11,511 Weighted average common shares outstanding Basic 5,991,073 5,931,342 5,972,927 5,921,427 Effect of dilutive employee stock options 75,757 52,581 81,667 44,147 Diluted 6,066,830 5,983,923 6,054,594 5,965,574 Anti-dilutive options excluded from earnings per share calculation 64,763 41,256 66,960 85,431 Per Common Share Data: Basic earnings per share $ 0.66 $ 0.65 $ 1.96 $ 1.94 Diluted earnings per share $ 0.65 $ 0.65 $ 1.93 $ 1.93

Securities Available For Sale (

Securities Available For Sale (Tables)	9 Months Ended
	Sep. 30, 2015
Securities Available For Sale [Abstract]
Summary Of Securities Available For Sale	September 30, 2015 Gross Gross Amortized Unrealized Unrealized Estimated Available for Sale: Cost Gains Losses Fair Value Mortgage-backed securities: US Government-sponsored enterprises $ 295,647 $ 7,750 $ 831 $ 302,566 US Government agency 82,213 1,734 270 83,677 Private label 2,968 782 8 3,742 Obligations of states and political subdivisions thereof 109,649 3,621 575 112,695 Total $ 490,477 $ 13,887 $ 1,684 $ 502,680 December 31, 2014 Gross Gross Amortized Unrealized Unrealized Estimated Available for Sale: Cost Gains Losses Fair Value Mortgage-backed securities: US Government-sponsored enterprises $ 282,217 $ 7,530 $ 1,537 $ 288,210 US Government agency 82,249 1,626 529 83,346 Private label 3,723 815 14 4,524 Obligations of states and political subdivisions thereof 90,181 4,516 252 94,445 Total $ 458,370 $ 14,487 $ 2,332 $ 470,525
Schedule Of Maturities Distribution Of The Amortized Cost And Estimated Fair Value Of Securities Available For Sale	Amortized Estimated Securities Available for Sale Cost Fair Value Due one year or less $ 5 $ 5 Due after one year through five years 5,293 5,381 Due after five years through ten years 15,972 16,912 Due after ten years 469,207 480,382 Total $ 490,477 $ 502,680
Schedule Of OTTI Related To Historical Estimated Credit Losses On Debt Securities And Changes In Estimated Credit Losses Recognized In Pre-Tax Earnings	2015 2014 Estimated credit losses as of June 30, $ 3,180 $ 3,413 Additions for credit losses for securities on which OTTI has been previously recognized - -- - -- Additions for credit losses for securities on which OTTI has not been previously recognized - -- - -- Reductions for securities paid off during the period - -- - -- Estimated credit losses as of September 30, $ 3,180 $ 3,413 2015 2014 Estimated credit losses as of prior year-end, $ 3,413 $ 3,923 Additions for credit losses for securities on which OTTI has been previously recognized - -- - -- Additions for credit losses for securities on which OTTI has not been previously recognized - -- - -- Reductions for securities paid off during the period 233 510 Estimated credit losses as of September 30, $ 3,180 $ 3,413
Schedule Of Fair Value Of Securities With Continuous Unrealized Losses	Less than 12 months 12 months or longer Total Estimated Estimated Estimated September 30, 2015 Fair Number of Unrealized Fair Number of Unrealized Fair Number of Unrealized Value Investments Losses Value Investments Losses Value Investments Losses Description of Securities: Mortgage-backed securities: US Government- sponsored enterprises $ 36,750 57 $ 275 $ 22,812 32 $ 556 $ 59,562 89 $ 831 US Government agency 10,229 19 120 10,989 18 150 21,218 37 270 Private label 8 1 - -- 182 5 8 190 6 8 Obligations of states and political subdivisions thereof 26,900 48 392 4,275 14 183 31,175 62 575 Total $ 73,887 125 $ 787 $ 38,258 69 $ 897 $ 112,145 194 $ 1,684 Less than 12 months 12 months or longer Total Estimated Estimated Estimated December 31, 2014 Fair Number of Unrealized Fair Number of Unrealized Fair Number of Unrealized Value Investments Losses Value Investments Losses Value Investments Losses Description of Securities: Mortgage-backed securities: US Government- sponsored enterprises $ 45,899 53 $ 1,168 $ 35,511 45 $ 369 $ 81,410 98 $ 1,537 US Government agency 19,404 24 483 3,657 21 46 23,061 45 529 Private label 336 4 7 145 4 7 481 8 14 Obligations of states and political subdivisions thereof 12,549 28 240 2,724 5 12 15,273 33 252 Total $ 78,188 109 $ 1,898 $ 42,037 75 $ 434 $ 120,225 184 $ 2,332
Schedule Of Realized Gains And Losses And Other-Than-Temporary Impairment Losses On Securities	Proceeds Other from Sale of Than Securities Temporary Available Realized Realized Impairment for Sale Gains Losses Losses Net Three months ended September 30, 2015 $ - -- $ - -- $ --- $ --- $ - -- 2014 $ 4,342 $ 27 $ 108 $ --- $ (81 ) Nine months ended September 30, 2015 $ 20,428 $ 1,206 $ --- $ --- $ 1,206 2014 $ 26,563 $ 809 $ 143 $ --- $ 666

Loans And Allowance For Loan 26

Loans And Allowance For Loan Losses (Tables)	9 Months Ended
	Sep. 30, 2015
Loans And Allowance For Loan Losses [Abstract]
Summary Of Composition Of Loan Portfolio	September 30, December 31, 2015 2014 Commercial real estate mortgages $ 372,517 $ 325,949 Commercial and industrial 77,888 73,893 Commercial construction and land development 25,154 25,421 Agricultural and other loans to farmers 32,520 30,471 Total commercial loans 508,079 455,734 Residential real estate mortgages 391,068 382,678 Home equity loans 51,290 51,795 Other consumer loans 10,147 12,140 Total consumer loans 452,505 446,613 Tax exempt loans 15,319 16,693 Net deferred loan costs and fees 47 (16 ) Total loans 975,950 919,024 Allowance for loan losses (9,037 ) (8,969 ) Total loans net of allowance for loan losses $ 966,913 $ 910,055
Summary Of Non-Performing Loans	September 30, December 31, 2015 2014 Commercial real estate mortgages $ 1,163 $ 3,156 Commercial and industrial loans 297 624 Commercial construction and land development 1,260 1,328 Agricultural and other loans to farmers 16 84 Total commercial loans 2,736 5,192 Residential real estate mortgages 3,492 6,051 Home equity loans 791 1,029 Other consumer loans 14 16 Total consumer loans 4,297 7,096 Total non-accrual loans 7,033 12,288 Accruing loans contractually past due 90 days or more - -- - -- Total non-performing loans $ 7,033 $ 12,288
Summary Of Troubled Debt Restructures	For the Three Months Ended For the Nine Months Ended September 30, September 30, 2015 2015 Pre Post Pre Post Outstanding Outstanding Outstanding Outstanding Number Recorded Recorded Number Recorded Recorded of Loans Investment Investment of Loans Investment Investment Commercial real estate mortgages 3 $ 214 $ 226 3 $ 214 $ 226 Commercial and industrial loans -- -- -- -- -- -- Agricultural and other loans to farmers -- -- -- 1 18 16 Total commercial loans 3 214 226 4 232 242 Residential real estate mortgages -- $ --- $ --- 3 $ 1,267 $ 1,266 Home equity loans -- -- - -- -- -- -- Other consumer loans -- -- - -- -- -- -- Total consumer loans -- -- - -- 3 1,267 1,266 Total 3 $ 214 $ 226 7 $ 1,499 $ 1,508 For the Three Months Ended For the Nine Months Ended September 30, September 30, 2014 2014 Pre Post Pre Post- Outstanding Outstanding Outstanding Outstanding Number Recorded Recorded Number Recorded Recorded of Loans Investment Investment of Loans Investment Investment Agricultural and other loans to farmers 1 $ 100 $ 99 1 $ 100 $ 99 Total commercial loans 1 100 99 1 100 99 Total 1 $ 100 $ 99 1 $ 100 $ 99
Past Due Financing Receivable Post Modification Balances	September 30, 2015 September 30, 2014 Three Nine Three Nine Months Months Months Months Ended Ended Ended Ended Extended maturity and adjusted interest rate $ 118 $ 134 $ 99 $ 99 Adjusted payment -- 607 -- -- Adjusted payment and capitalized interest -- 187 -- -- Extended maturity, adjusted interest rate, and adjusted payment 108 580 -- -- Total $ 226 $ 1,508 $ 99 $ 99
Schedule Of Past Due Loans	60-89 >90 Days 30-59 Days 90 Days Total Past Due September 30, 2015 Days Past or Past Total Non and Past Due Due Greater Due Current Loans Accrual Accruing Commercial real estate mortgages $ 698 $ --- $ 115 $ 813 $ 371,704 $ 372,517 $ 1,163 $ --- Commercial and industrial 13 3 274 290 77,598 77,888 297 --- Commercial construction and land development - -- - -- 1,260 1,260 23,894 25,154 1,260 --- Agricultural and other loans to farmers 2 - -- - -- 2 32,518 32,520 16 --- Residential real estate mortgages 1,429 78 1,149 2,656 388,412 391,068 3,492 --- Home equity 25 60 767 852 50,438 51,290 791 --- Other consumer loans 57 6 2 65 10,082 10,147 14 --- Tax exempt - -- - -- - -- - -- 15,319 15,319 - -- --- Total $ 2,224 $ 147 $ 3,567 $ 5,938 $ 969,965 $ 975,903 $ 7,033 $ --- 60-89 >90 Days 30-59 Days 90 Days Total Past Due December 31, 2014 Days Past Past or Past Total Non - and Due Due Greater Due Current Loans Accrual Accruing Commercial real estate mortgages $ 189 $ 234 $ 1,843 $ 2,266 $ 323,683 $ 325,949 $ 3,156 $ --- Commercial and industrial 665 45 333 1,043 72,850 73,893 624 --- Commercial construction and land development - -- - -- 1,328 1,328 24,093 25,421 1,328 --- Agricultural and other loans to farmers 27 - -- 64 91 30,380 30,471 84 --- Residential real estate mortgages 1,980 547 1,681 4,208 378,470 382,678 6,051 --- Home equity 138 40 575 753 51,042 51,795 1,029 --- Other consumer loans 231 5 7 243 11,897 12,140 16 --- Tax exempt - -- - -- - -- - -- 16,693 16,693 - -- $ --- Total $ 3,230 $ 871 $ 5,831 $ 9,932 $ 909,108 $ 919,040 $ 12,288 $ ---
Schedule Of Impaired Loans	Details of impaired loans as of September 30, 2015 and December 31, 2014 follows: September 30, 2015 December 31, 2014 Unpaid Unpaid Recorded Principal Related Recorded Principal Related Investment Balance Allowance Investment Balance Allowance With no related allowance: Commercial real estate mortgages $ 1,583 $ 1,627 $ --- $ 1,606 $ 1,606 $ --- Commercial and industrial 212 246 - -- 309 309 - -- Commercial construction and land development - -- - -- - -- 1,328 3,253 - -- Agricultural and other loans to farmers 108 108 - -- 181 181 - -- Residential real estate loans 1,302 1,447 - -- 389 419 - -- Home equity loans 18 18 - -- - -- - -- - -- Other consumer - -- - -- - -- - -- - -- - -- Subtotal $ 3,223 $ 3,446 $ --- $ 3,813 $ 5,768 $ --- With an allowance: Commercial real estate mortgages $ 405 $ 405 $ 39 $ 1,986 $ 2,014 $ 776 Commercial and industrial 225 375 176 325 555 187 Commercial construction and land development 1,260 3,185 24 - -- - -- - -- Agricultural and other loans to farmers - -- - -- - -- - -- - -- - -- Residential real estate loans 348 348 52 - -- - -- - -- Home equity loans - -- - -- - -- - -- - -- - -- Other consumer 9 9 - -- 10 10 1 Subtotal $ 2,247 $ 4,322 $ 291 $ 2,321 $ 2,579 $ 964 Total $ 5,470 $ 7,768 $ 291 $ 6,134 $ 8,347 $ 964 Details of impaired loans for the three and nine months ended September 30, 2015 and 2014 follows: September 30, 2015 September 30, 2014 Three Months Ended Nine Months Ended Three Months Ended Nine Months Ended Average Average Average Average Recorded Interest Recorded Interest Recorded Interest Recorded Interest Investment Recorded Investment Recorded Investment Recorded Investment Recorded With no related allowance: Commercial real estate mortgages $ 2,408 $ 20 $ 3,099 $ 42 $ 1,763 $ 11 $ 1,877 $ 43 Commercial and industrial 231 2 334 7 512 1 663 3 Commercial construction and land development - -- - -- - -- - -- 1,328 - -- 1,576 - -- Agricultural and other loans to farmers 123 3 155 7 143 - -- 89 2 Residential real estate mortgages 1,332 8 1,325 21 468 3 470 10 Home equity loans 18 - -- 18 1 20 1 20 1 Other consumer - -- - -- - -- - -- 11 - -- 12 - -- Subtotal $ 4,112 $ 33 $ 4,931 $ 78 $ 4,245 $ 16 $ 4,707 $ 59 With an allowance: Commercial real estate mortgages $ 405 $ --- $ 405 $ --- $ 229 $ --- $ 498 $ --- Commercial and industrial 226 - -- 228 - -- 404 - -- 403 - -- Commercial construction - -- and land development 1,260 - -- 1,260 - -- - -- - -- - -- Agricultural and - -- other loans to farmers - -- - -- - -- - -- - -- - -- - -- Residential real - -- estate mortgages 348 - -- 346 - -- - -- - -- - -- Home equity loans - -- - -- - -- - -- - -- - -- - -- - -- Other consumer 10 - -- 10 - -- - -- - -- - -- - -- Subtotal $ 2,249 $ --- $ 2,249 $ --- $ 633 $ --- $ 901 $ --- Total $ 6,361 $ 33 $ 7,180 $ 78 $ 4,878 $ 16 $ 5,608 $ 59
Schedule Of Loans With Credit Quality Indicators	Commercial Commercial construction Agricultural real estate Commercial and land and other loans September 30, 2015 mortgages and industrial development to farmers Total Pass $ 346,503 $ 72,568 $ 23,607 $ 32,182 $ 474,860 Other Assets Especially Mentioned 8,845 2,623 287 183 11,938 Substandard 17,169 2,696 1,260 155 21,280 Doubtful - -- - -- - -- - -- - -- Loss - -- 1 - -- - -- 1 Total $ 372,517 $ 77,888 $ 25,154 $ 32,520 $ 508,079 Commercial Commercial construction Agricultural real estate Commercial and land and other loans December 31, 2014 mortgages and industrial development to farmers Total Pass $ 302,376 $ 62,226 $ 23,290 $ 30,047 $ 417,939 Other Assets Especially Mentioned 11,501 7,349 - -- 193 19,043 Substandard 12,072 4,318 2,131 231 18,752 Doubtful - -- - -- - -- - -- - -- Loss - -- - -- - -- - -- - -- Total $ 325,949 $ 73,893 $ 25,421 $ 30,471 $ 455,734
Schedule Of Allowance For Loan Losses By Portfolio Segment	Commercial Three Months Commercial Construction September 30, 2015 Commercial and and land Residential Home Tax Real Estate Industrial development Agricultural Real Estate Consumer Equity Exempt Total Beginning Balance $ 4,289 $ 1,147 $ 145 $ 372 $ 2,485 $ 110 $ 472 $ 79 $ 9,099 Charged Off (461 ) (22 ) - -- (54 ) - -- (23 ) (25 ) - -- (585 ) Recoveries 58 31 - -- 3 - -- 6 - -- - -- 98 Provision 600 (49 ) (12 ) 28 (182 ) 11 34 (5 ) 425 Ending Balance $ 4,486 $ 1,107 $ 133 $ 349 $ 2,303 $ 104 $ 481 $ 74 $ 9,037 Commercial Nine Months Ended Commercial Construction September 30, 2015 Commercial and and land Residential Home Tax Real Estate Industrial development Agricultural Real Estate Consumer Equity Exempt Total Beginning Balance $ 4,468 $ 929 $ 145 $ 277 $ 2,714 $ 94 $ 271 $ 71 $ 8,969 Charged Off (667 ) (310 ) - -- (72 ) (70 ) (48 ) (376 ) - -- (1,543 ) Recoveries 97 33 - -- 15 129 17 - -- - -- 291 Provision 588 455 (12 ) 129 (470 ) 41 586 3 1,320 Ending Balance $ 4,486 $ 1,107 $ 133 $ 349 $ 2,303 $ 104 $ 481 $ 74 $ 9,037 of which: Amount for loans individually evaluated for impairment $ 39 $ 176 $ 24 $ --- $ 52 $ --- $ --- $ --- $ 291 Amount for loans collectively evaluated for impairment $ 4,447 $ 931 $ 109 $ 349 $ 2,251 $ 104 $ 481 $ 74 $ 8,746 Loans individually evaluated for impairment $ 1,988 $ 437 $ 1,260 $ 108 $ 1,650 $ 9 $ 18 $ --- $ 5,470 Loans collectively evaluated for impairment $ 370,529 $ 77,451 $ 23,894 $ 32,412 $ 389,418 $ 10,138 $ 51,272 $ 15,319 $ 970,433 Commercial Commercial Construction Three Months Commercial and and land Residential Home Tax September 30, 2014 Real Estate Industrial development Agricultural Real Estate Consumer Equity Exempt Total Beginning Balance $ 4,887 $ 1,573 $ 254 $ 371 $ 1,149 $ 103 $ 241 $ 173 $ 8,751 Charged Off (19 ) (317 ) - -- - -- (264 ) (68 ) - -- - -- (668 ) Recoveries 34 1 - -- 11 - -- 14 1 - -- 61 Provision (71 ) 150 77 (26 ) 275 97 - -- (11 ) 491 Ending Balance $ 4,831 $ 1,407 $ 331 $ 356 $ 1,160 $ 146 $ 242 $ 162 $ 8,635 Commercial Nine Months Ended Commercial Construction September 30, 2014 Commercial and and land Residential Home Tax Real Estate Industrial development Agricultural Real Estate Consumer Equity Exempt Total Beginning Balance $ 4,825 $ 1,266 $ 314 $ 335 $ 1,166 $ 137 $ 264 $ 168 $ 8,475 Charged Off (184 ) (416 ) - -- (14 ) (557 ) (148 ) (18 ) - -- (1,337 ) Recoveries 40 13 - -- 26 12 29 1 - -- 121 Provision 150 544 17 9 539 128 (5 ) (6 ) 1,376 Ending Balance $ 4,831 $ 1,407 $ 331 $ 356 $ 1,160 $ 146 $ 242 $ 162 $ 8,635 Commercial Twelve Months Commercial Construction December 31, 2014 Commercial and and land Residential Home Tax Real Estate Industrial development Agricultural Real Estate Consumer Equity Exempt Total Beginning Balance $ 4,825 $ 1,266 $ 314 $ 335 $ 1,166 $ 137 $ 264 $ 168 $ 8,475 Charged-off (238 ) (475 ) - -- (14 ) (650 ) (191 ) (52 ) - -- (1,620 ) Recoveries 85 16 - -- 130 12 37 1 - -- 281 Provision (204 ) 122 (169 ) (174 ) 2,186 111 58 (97 ) 1,833 Ending Balance $ 4,468 $ 929 $ 145 $ 277 $ 2,714 $ 94 $ 271 $ 71 $ 8,969 of which: Amount for loans Individually evaluated for impairment $ 776 $ 187 $ - -- $ --- $ - -- $ 1 $ --- $ --- $ 964 Amount for loans collectively evaluated for impairment $ 3,692 $ 742 $ 145 $ 277 $ 2,714 $ 93 $ 271 $ 71 $ 8,005 Loans individually evaluated for impairment $ 3,592 $ 634 $ 1,328 $ 181 $ 389 $ 10 $ --- $ --- $ 6,134 Loans collectively evaluated for impairment $ 322,357 $ 73,259 $ 24,093 $ 30,290 $ 382,289 $ 12,130 $ 51,795 $ 16,693 $ 912,906

Reclassifications Out Of Accu27

Reclassifications Out Of Accumulated Other Comprehensive Income (Tables)	9 Months Ended
	Sep. 30, 2015
Reclassifications Out Of Accumulated Other Comprehensive Income [Abstract]
Reclassifications Out Of Accumulated Other Comprehensive Income	Amount Reclassified from Accumulated Other Comprehensive Income Details about Accumulated Three Months Nine Months Affected Line Item in the Statement Other Comprehensive Income Ended 9/30/2015 Ended 9/30/2015 Where Net Income is Presented Unrealized gains and losses on available-for-sale securities Tax (expense) or benefit $ --- $ 1,206 Net securities gains Net of tax - -- (422 ) Provision for income taxes $ --- $ 784 Net income Amortization of post retirement benefit plan Amortization of actuarial loss for supplemental executive retirement plan (10 ) (29 ) Salaries and benefits Tax (expense) or benefit 3 10 Provision for income taxes Net of tax $ ( 7 ) $ (19 ) Net income Total reclassification for the period $ (7 ) $ 765 Net (loss) income, net of tax Details about Accumulated Three Months Nine Months Affected Line Item in the Statement Other Comprehensive Income Ended 9/30/2014 Ended 9/30/2014 Where Net Income is Presented Unrealized gains and losses on available-for-sale securities Tax (expense) or benefit $ (81 ) $ 666 Net securities gains Net of tax 28 (226 ) Provision for income taxes $ (53 ) $ 440 Net income Amortization of post retirement benefit plan Amortization of actuarial loss for supplemental executive retirement plan (16 ) (21 ) Salaries and benefits Tax (expense) or benefit 5 7 Provision for income taxes Net of tax $ (11 ) $ (14 ) Net income Total reclassification for the period $ (64 ) $ 426 Net income, net of tax

Financial Derivative Instrume28

Financial Derivative Instruments (Tables)	9 Months Ended
	Sep. 30, 2015
Financial Derivative Instruments [Abstract]
Schedule of Notional Amounts of Outstanding Derivative Positions	Unamortized 3-Month Premium at Fair Value Cumulative Notional Termination LIBOR Premium September 30, September 30, Cash Flows Amount Date Strike Rate Paid 2015 2015 Received $ 25,000 06/02/21 3.00 % $ 922 $ 921 $ 327 $ --- $ 20,000 06/04/24 3.00 % $ 1,470 $ 1,470 $ 688 $ --- $ 20,000 10/21/21 3.00 % $ 632 $ 632 $ 297 $ --- $ 25,000 10/21/24 3.00 % $ 1,542 $ 1,542 $ 939 $ ---
Schedule of Interest Rate Derivatives	September 30, 2015 Gross Net of Tax Unrealized losses on interest rate caps $ (2,314 ) $ (1,504 ) Unamortized premium on interest rate caps 4,565 2,967 Total $ 2,251 $ 1,463 December 31, 2014 Gross Net of Tax Unrealized losses on interest rate caps $ (1,111 ) $ (722 ) Unamortized premium on interest rate caps 4,566 2,968 Total $ 3,455 $ 2,246

Retirement Benefit Plans (Table

Retirement Benefit Plans (Tables)	9 Months Ended
	Sep. 30, 2015
Retirement Benefit Plans [Abstract]
Summary Of Net Periodic Benefit Costs	Supplemental Executive Retirement Plans Three Months Ended September 30, 2015 2014 Service cost $ 17 $ 16 Interest cost 32 37 Actuarial loss on supplemental executive retirement plan, net of tax 7 7 Net periodic benefit cost $ 56 $ 60 Supplemental Executive Retirement Plans Nine Months Ended September 30, 2015 2014 Service cost $ 53 $ 48 Interest cost 94 112 Actuarial loss on supplemental executive retirement plan, net of tax 19 21 Net periodic benefit cost $ 166 $ 181

Commitments And Contingent Li30

Commitments And Contingent Liabilities (Tables)	9 Months Ended
	Sep. 30, 2015
Commitments And Contingent Liabilities [Abstract]
Schedule Of Contractual Amounts Of Commitments And Contingent Liabilities	September 30, December 31, 2015 2014 Commitments to originate loans $ 42,030 $ 21,147 Unused lines of credit $ 98,326 $ 92,817 Un-advanced portions of construction loans $ 14,857 $ 23,434 Standby letters of credit $ 385 $ 325

Goodwill And Other Intangible31

Goodwill And Other Intangible Assets (Tables)	9 Months Ended
	Sep. 30, 2015
Goodwill And Other Intangible Assets [Abstract]
Schedule Of Core Deposits Intangible Assets	September 30, December 31, 2015 2014 Core deposit intangibles: Gross carrying amount $ 783 $ 783 Less: accumulated amortization 290 221 Net carrying amount $ 493 $ 562

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2015
Fair Value Measurements [Abstract]
Financial Assets And Financial Liabilities Measured At Fair Value On A Recurring Basis	Level 1 Level 2 Level 3 Total Fair September 30, 2015 Inputs Inputs Inputs Value Securities available for sale: Mortgage-backed securities: US Government-sponsored enterprises $ --- $ 302,566 $ --- $ 302,566 US Government agencies $ --- $ 83,677 $ --- $ 83,677 Private label $ --- $ 3,742 $ --- $ 3,742 Obligations of states and political subdivisions thereof $ --- $ 112,695 $ --- $ 112,695 Derivative assets $ --- $ 2,251 $ --- $ 2,251 Level 1 Level 2 Level 3 Total Fair December 31, 2014 Inputs Inputs Inputs Value Securities available for sale: Mortgage-backed securities: US Government-sponsored enterprises $ --- $ 288,210 $ --- $ 288,210 US Government agencies $ --- $ 83,346 $ --- $ 83,346 Private label $ --- $ 4,524 $ --- $ 4,524 Obligations of states and political subdivisions thereof $ --- $ 94,445 $ --- $ 94,445 Derivative assets $ --- $ 3,455 $ --- $ 3,455
Financial Assets And Financial Liabilities Measured At Fair Value On A Non-Recurring Basis	Fair Value Level 1 Level 2 Level 3 as of For the Nine Months Ended 9/30/15 Inputs Inputs Inputs 9/30/15 Loss Other real estate owned $ -- $ -- $ 818 $ 818 $ 20 Collateral dependent impaired loans $ -- $ -- $ 2,022 $ 2,022 $ --- Fair Value Level 1 Level 2 Level 3 as of For the Twelve Months Ended 12/31/14 Inputs Inputs Inputs 12/31/14 Loss Other real estate owned $ -- $ -- $ 523 $ 523 $ 397 Collateral dependent impaired loans $ -- $ -- $ 1,986 $ 1,986 $ ---

Fair Value Of Financial Instr33

Fair Value Of Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 2015
Fair Value Of Financial Instruments [Abstract]
Summary Of The Carrying Values And Estimated Fair Values Of Financial Instruments	Carrying Level 1 Level 2 Level 3 Total September 30, 2015 Value Inputs Inputs Inputs Fair Value Financial Assets: Cash and cash equivalents $ 12,336 $ 12,336 $ - -- $ --- $ 12,336 Federal Home Loan Bank stock 23,593 - -- 23,593 --- 23,593 Loans, net 966,913 - -- 968,543 --- 968,543 Interest receivable 5,025 - -- 5,025 --- 5,025 Financial liabilities: Deposits (with no stated maturity) $ 538,664 $ - -- $ 538,664 $ --- $ 538,664 Time deposits 472,230 - -- 474,426 --- 474,426 Borrowings 395,606 - -- 396,756 --- 396,756 Interest payable 483 - -- 483 --- 483 Carrying Level 1 Level 2 Level 3 Total December 31, 2014 Value Inputs Inputs Inputs Fair Value Financial Assets: Cash and cash equivalents $ 9,800 $ 9,800 $ - -- $ --- $ 9,800 Federal Home Loan Bank stock 21,354 - -- 21,354 --- 21,354 Loans, net 910,055 - -- 913,784 --- 913,784 Interest receivable 4,795 - -- 4,975 --- 4,795 Financial liabilities: Deposits (with no stated maturity) $ 479,986 $ --- $ 479,986 $ --- $ 479,986 Time deposits 378,063 - -- 379,132 --- 379,132 Borrowings 447,020 - -- 447,637 --- 447,637 Interest payable 499 - -- 499 --- 499

Management's Use Of Estimates34

Management's Use Of Estimates (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Management's Use Of Estimates [Abstract]
Deferred tax assets, valuation allowance	$ 0	$ 0

Three-for-two Common Stock Sp35

Three-for-two Common Stock Split (Details)	Apr. 22, 2014shares	Apr. 23, 2014shares
Three-for-two Common Stock Split [Abstract]
Stockholders' Equity Note, Stock Split, Conversion Ratio	1.5
Common Stock, Shares, Outstanding	3,944,290	5,916,435

Earnings Per Share (Reconciliat

Earnings Per Share (Reconciliation Of Basic And Diluted Earnings Per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Earnings Per Share [Abstract]
Net income available to common shareholders	$ 3,931	$ 3,867	$ 11,685	$ 11,511
Weighted average common shares outstanding
Basic	5,991,073	5,931,342	5,972,927	5,921,427
Effect of dilutive employee stock options and awards	75,757	52,581	81,667	44,147
Diluted	6,066,830	5,983,923	6,054,594	5,965,574
Anti-dilutive options excluded from earnings per share calculation	64,763	41,256	66,960	85,431
Per Common Share Data:
Basic earnings per share	$ 0.66	$ 0.65	$ 1.96	$ 1.94
Diluted earnings per share	$ 0.65	$ 0.65	$ 1.93	$ 1.93

Securities Available For Sale37

Securities Available For Sale (Narrative) (Details) $ in Thousands	3 Months Ended	9 Months Ended	12 Months Ended
	Sep. 30, 2015USD ($)security	Sep. 30, 2015USD ($)security	Dec. 31, 2014USD ($)
Schedule of Available for sale Securities [Line Items]
Securities recognized as credit losses in excess of the unrealized losses in accumulated OCI, creating an unrealized gain | security	11	11
Unrealized gain, net of tax	$ 472		$ 478
Unrealized losses on securities	1,684	$ 1,684	2,332
Obligations Of States And Political Subdivisions Thereof [Member]
Schedule of Available for sale Securities [Line Items]
Unrealized losses on securities	$ 575	$ 575	252
Private Label Mortgage-Backed Securities [Member]
Schedule of Available for sale Securities [Line Items]
Private-label MBS (debt securities), amount held | security	11	11
Amortized cost included OTTI losses		$ 1,360
Unrealized losses on securities	$ 8	8	14
US Government Agency [Member]
Schedule of Available for sale Securities [Line Items]
Unrealized losses on securities	270	270	529
US Government-Sponsored Enterprises [Member]
Schedule of Available for sale Securities [Line Items]
Unrealized losses on securities	$ 831	$ 831	$ 1,537

Securities Available For Sale38

Securities Available For Sale (Summary Of Securities Available For Sale) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Schedule of Available for sale Securities [Line Items]
Available for Sale, Amortized Cost	$ 490,477	$ 458,370
Available for Sale, Gross Unrealized Gains	13,887	14,487
Available for Sale, Gross Unrealized Losses	1,684	2,332
Available for Sale, Estimated Fair Value	502,680	470,525
US Government-Sponsored Enterprises [Member]
Schedule of Available for sale Securities [Line Items]
Available for Sale, Amortized Cost	295,647	282,217
Available for Sale, Gross Unrealized Gains	7,750	7,530
Available for Sale, Gross Unrealized Losses	831	1,537
Available for Sale, Estimated Fair Value	302,566	288,210
US Government Agency [Member]
Schedule of Available for sale Securities [Line Items]
Available for Sale, Amortized Cost	82,213	82,249
Available for Sale, Gross Unrealized Gains	1,734	1,626
Available for Sale, Gross Unrealized Losses	270	529
Available for Sale, Estimated Fair Value	83,677	83,346
Private Label Mortgage-Backed Securities [Member]
Schedule of Available for sale Securities [Line Items]
Available for Sale, Amortized Cost	2,968	3,723
Available for Sale, Gross Unrealized Gains	782	815
Available for Sale, Gross Unrealized Losses	8	14
Available for Sale, Estimated Fair Value	3,742	4,524
Obligations Of States And Political Subdivisions Thereof [Member]
Schedule of Available for sale Securities [Line Items]
Available for Sale, Amortized Cost	109,649	90,181
Available for Sale, Gross Unrealized Gains	3,621	4,516
Available for Sale, Gross Unrealized Losses	575	252
Available for Sale, Estimated Fair Value	$ 112,695	$ 94,445

Securities Available For Sale39

Securities Available For Sale (Schedule Of Maturities Distribution Of The Amortized Cost And Estimated Fair Value Of Securities Available For Sale) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Securities Available For Sale [Abstract]
Amortized Cost, Due one year of less	$ 5
Amortized Cost, Due after one year through five years	5,293
Amortized Cost, Due after five years through ten years	15,972
Amortized Cost, Due after ten years	469,207
Securities Available for Sale, Amortized Cost	490,477	$ 458,370
Estimated Fair Value, Due one year of less	5
Estimated Fair Value, Due after one year through five years	5,381
Estimated Fair Value, Due after five years through ten years	16,912
Estimated Fair Value, Due after ten years	480,382
Securities Available for Sale, Estimated Fair Value	$ 502,680	$ 470,525

Securities Available For Sale40

Securities Available For Sale (Schedule Of OTTI Related To Historical Estimated Credit Losses On Debt Securities And Changes In Estimated Credit Losses Recognized In Pre-Tax Earnings) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Securities Available For Sale [Abstract]
Estimated credit losses as of beginning of period	$ 3,180	$ 3,413	$ 3,413	$ 3,923
Additions for credit losses for securities on which OTTI has been previously recognized
Additions for credit losses for securities on which OTTI has not been previously recognized
Reductions for securities paid off during the period			$ 233	$ 510
Estimated credit losses as of ending of period	$ 3,180	$ 3,413	$ 3,180	$ 3,413

Securities Available For Sale41

Securities Available For Sale (Schedule Of Fair Value Of Securities With Continuous Unrealized Losses) (Details) $ in Thousands	Sep. 30, 2015USD ($)security	Dec. 31, 2014USD ($)security
Schedule of Available for sale Securities [Line Items]
Securities with continuous unrealized losses, Less than 12 months, Estimated Fair Value	$ 73,887	$ 78,188
Securities with continuous unrealized losses, Less than 12 months, Number of Investments | security	125	109
Securities with continuous unrealized losses, Less than 12 months, Unrealized Losses	$ 787	$ 1,898
Securities with continuous unrealized losses, 12 months or longer, Estimated Fair Value	$ 38,258	$ 42,037
Securities with continuous unrealized losses, 12 months or longer, Number of Investments | security	69	75
Securities with continuous unrealized losses, 12 months or longer, Unrealized Losses	$ 897	$ 434
Securities with continuous unrealized losses, Estimated Fair Value	$ 112,145	$ 120,225
Securities with continuous unrealized losses, Number of Investments | security	194	184
Securities with continuous unrealized losses, Unrealized Losses	$ 1,684	$ 2,332
US Government-Sponsored Enterprises [Member]
Schedule of Available for sale Securities [Line Items]
Securities with continuous unrealized losses, Less than 12 months, Estimated Fair Value	$ 36,750	$ 45,899
Securities with continuous unrealized losses, Less than 12 months, Number of Investments | security	57	53
Securities with continuous unrealized losses, Less than 12 months, Unrealized Losses	$ 275	$ 1,168
Securities with continuous unrealized losses, 12 months or longer, Estimated Fair Value	$ 22,812	$ 35,511
Securities with continuous unrealized losses, 12 months or longer, Number of Investments | security	32	45
Securities with continuous unrealized losses, 12 months or longer, Unrealized Losses	$ 556	$ 369
Securities with continuous unrealized losses, Estimated Fair Value	$ 59,562	$ 81,410
Securities with continuous unrealized losses, Number of Investments | security	89	98
Securities with continuous unrealized losses, Unrealized Losses	$ 831	$ 1,537
US Government Agency [Member]
Schedule of Available for sale Securities [Line Items]
Securities with continuous unrealized losses, Less than 12 months, Estimated Fair Value	$ 10,229	$ 19,404
Securities with continuous unrealized losses, Less than 12 months, Number of Investments | security	19	24
Securities with continuous unrealized losses, Less than 12 months, Unrealized Losses	$ 120	$ 483
Securities with continuous unrealized losses, 12 months or longer, Estimated Fair Value	$ 10,989	$ 3,657
Securities with continuous unrealized losses, 12 months or longer, Number of Investments | security	18	21
Securities with continuous unrealized losses, 12 months or longer, Unrealized Losses	$ 150	$ 46
Securities with continuous unrealized losses, Estimated Fair Value	$ 21,218	$ 23,061
Securities with continuous unrealized losses, Number of Investments | security	37	45
Securities with continuous unrealized losses, Unrealized Losses	$ 270	$ 529
Private Label Mortgage-Backed Securities [Member]
Schedule of Available for sale Securities [Line Items]
Securities with continuous unrealized losses, Less than 12 months, Estimated Fair Value	$ 8	$ 336
Securities with continuous unrealized losses, Less than 12 months, Number of Investments | security	1	4
Securities with continuous unrealized losses, Less than 12 months, Unrealized Losses		$ 7
Securities with continuous unrealized losses, 12 months or longer, Estimated Fair Value	$ 182	$ 145
Securities with continuous unrealized losses, 12 months or longer, Number of Investments | security	5	4
Securities with continuous unrealized losses, 12 months or longer, Unrealized Losses	$ 8	$ 7
Securities with continuous unrealized losses, Estimated Fair Value	$ 190	$ 481
Securities with continuous unrealized losses, Number of Investments | security	6	8
Securities with continuous unrealized losses, Unrealized Losses	$ 8	$ 14
Obligations Of States And Political Subdivisions Thereof [Member]
Schedule of Available for sale Securities [Line Items]
Securities with continuous unrealized losses, Less than 12 months, Estimated Fair Value	$ 26,900	$ 12,549
Securities with continuous unrealized losses, Less than 12 months, Number of Investments | security	48	28
Securities with continuous unrealized losses, Less than 12 months, Unrealized Losses	$ 392	$ 240
Securities with continuous unrealized losses, 12 months or longer, Estimated Fair Value	$ 4,275	$ 2,724
Securities with continuous unrealized losses, 12 months or longer, Number of Investments | security	14	5
Securities with continuous unrealized losses, 12 months or longer, Unrealized Losses	$ 183	$ 12
Securities with continuous unrealized losses, Estimated Fair Value	$ 31,175	$ 15,273
Securities with continuous unrealized losses, Number of Investments | security	62	33
Securities with continuous unrealized losses, Unrealized Losses	$ 575	$ 252

Securities Available For Sale42

Securities Available For Sale (Schedule Of Realized Gains And Losses And Other-Than-Temporary Impairment Losses On Securities) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Securities Available For Sale [Abstract]
Proceeds from Sale of Securities Available for Sale		$ 4,342	$ 20,428	$ 26,563
Realized Gains		27	$ 1,206	809
Realized Losses		$ 108		$ 143
Other than Temporary Impairment Losses
Securities Gains and Losses, Net		$ (81)	$ 1,206	$ 666

Loans And Allowance For Loan 43

Loans And Allowance For Loan Losses (Narrative) (Details) $ in Thousands	9 Months Ended		12 Months Ended
	Sep. 30, 2015USD ($)itemloan	Sep. 30, 2014item	Dec. 31, 2014USD ($)loan
Loans And Allowance For Loan Losses [Line Items]
Period of delinquency after which a loan is placed on non-accruals status	90 days
Loans charge off period	120 days
Loan returned to accrual status, performance required, months	6 months
Number of TDRs past due and classified as non-performing	5		7
Defaults on loans that had been modified as TDRs | item	0	0
Number of relationships to loans classified as troubled debt restructurings			9
Loans | $	$ 508,079		$ 455,734
Loans to relationships classified as TDRs, Total | $			1,449
TDRs past due and classified as non-performing, total amount | $	812		357
Accruing loans contractually past due 30 days or more, total amount | $	$ 0		$ 0
Residential Real Estate Mortgages [Member]
Loans And Allowance For Loan Losses [Line Items]
Number of loans, classified as TDRs, to relationships	5
Number of relationships to loans classified as troubled debt restructurings	5
Loans to relationships classified as TDRs, Total | $	$ 1,650
Maximum [Member]
Loans And Allowance For Loan Losses [Line Items]
Percentage of appraised value of residential real estate loans	80.00%
Maximum [Member] | Commercial Real Estate Mortgages [Member]
Loans And Allowance For Loan Losses [Line Items]
Number of years for which principally collateralized loans are amortized	20 years
Maximum [Member] | Residential Real Estate Mortgages [Member]
Loans And Allowance For Loan Losses [Line Items]
Number of years for which principally collateralized loans are amortized	30 years
Minimum [Member] | Commercial Real Estate Mortgages [Member]
Loans And Allowance For Loan Losses [Line Items]
Number of years for which principally collateralized loans are amortized	15 years
Minimum [Member] | Residential Real Estate Mortgages [Member]
Loans And Allowance For Loan Losses [Line Items]
Number of years for which principally collateralized loans are amortized	10 years
Real Estate Secured Loans [Member]
Loans And Allowance For Loan Losses [Line Items]
Number of loans, classified as TDRs, to relationships	6		6
Number of relationships to loans classified as troubled debt restructurings	4
Loans to relationships classified as TDRs, Total | $	$ 963
Home Equity Loan [Member]
Loans And Allowance For Loan Losses [Line Items]
Number of loans, classified as TDRs, to relationships	1
Loans to relationships classified as TDRs, Total | $	$ 18
Agricultural And Other Loans To Farmers [Member]
Loans And Allowance For Loan Losses [Line Items]
Number of loans, classified as TDRs, to relationships	2		1
Number of relationships to loans classified as troubled debt restructurings	2
Loans to relationships classified as TDRs, Total | $	$ 108
Commercial And Industrial [Member]
Loans And Allowance For Loan Losses [Line Items]
Number of loans, classified as TDRs, to relationships	4		6
Number of relationships to loans classified as troubled debt restructurings	3
Loans | $	$ 77,888		$ 73,893
Loans to relationships classified as TDRs, Total | $	$ 140
Consumer Loans [Member]
Loans And Allowance For Loan Losses [Line Items]
Number of loans, classified as TDRs, to relationships	1		1
Loans to relationships classified as TDRs, Total | $	$ 9
Lodging Industry [Member]
Loans And Allowance For Loan Losses [Line Items]
Percentage of commercial real estate mortgage portfolio	26.10%
Loans | $	$ 99,805		$ 112,520

Loans And Allowance For Loan 44

Loans And Allowance For Loan Losses (Summary Of Composition Of Loan Portfolio) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net deferred loan costs and fees	$ 47	$ (16)
Total loans	975,950	919,024
Allowance for loan losses	(9,037)	(8,969)
Loans, net of allowance for loan losses	966,913	910,055
Commercial Real Estate Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	372,517	325,949
Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	77,888	73,893
Commercial Construction And Land Development [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	25,154	25,421
Agricultural And Other Loans To Farmers [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	32,520	30,471
Commercial Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	508,079	455,734
Residential Real Estate Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	391,068	382,678
Home Equity Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	51,290	51,795
Other Consumer Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	10,147	12,140
Consumer Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	452,505	446,613
Tax Exempt Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	$ 15,319	$ 16,693

Loans And Allowance For Loan 45

Loans And Allowance For Loan Losses (Summary Of Non Performing Loans) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accrual loans	$ 7,033	$ 12,288
Accruing loans contractually past due 90 days or more	0	0
Non-Performing Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total commercial loans	2,736	5,192
Total consumer loans	4,297	7,096
Total non-accrual loans	$ 7,033	$ 12,288
Accruing loans contractually past due 90 days or more
Total non-performing loans	$ 7,033	$ 12,288
Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accrual loans	1,163	3,156
Accruing loans contractually past due 90 days or more	0	0
Commercial Real Estate Mortgages [Member] | Non-Performing Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total commercial loans	1,163	3,156
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accrual loans	297	624
Accruing loans contractually past due 90 days or more	0	0
Commercial And Industrial [Member] | Non-Performing Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total commercial loans	297	624
Commercial Construction And Land Development [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accrual loans	1,260	1,328
Accruing loans contractually past due 90 days or more	0	0
Commercial Construction And Land Development [Member] | Non-Performing Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total commercial loans	1,260	1,328
Agriculture And Other Loans To Farmers [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accrual loans	16	84
Accruing loans contractually past due 90 days or more	0	0
Agriculture And Other Loans To Farmers [Member] | Non-Performing Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total commercial loans	16	84
Residential Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accrual loans	3,492	6,051
Accruing loans contractually past due 90 days or more	0	0
Residential Real Estate Mortgages [Member] | Non-Performing Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total consumer loans	3,492	6,051
Home Equity Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accrual loans	791	1,029
Accruing loans contractually past due 90 days or more	0	0
Home Equity Loans [Member] | Non-Performing Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total consumer loans	791	1,029
Consumer Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accrual loans	14	16
Accruing loans contractually past due 90 days or more	0	0
Consumer Loans [Member] | Non-Performing Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total consumer loans	$ 14	$ 16

Loans And Allowance For Loan 46

Loans And Allowance For Loan Losses (Summary Of Troubled Debt Restructures) (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015USD ($)loan	Sep. 30, 2014USD ($)loan	Sep. 30, 2015USD ($)loan	Sep. 30, 2014USD ($)loan
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	3	1	7,000	1
Pre-Modification Outstanding Recorded Investment	$ 214	$ 100	$ 1,499	$ 100
Post-Modification Outstanding Recorded Investment	$ 226	$ 99	$ 1,508	$ 99
Commercial Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	3		3
Pre-Modification Outstanding Recorded Investment	$ 214		$ 214
Post-Modification Outstanding Recorded Investment	$ 226		$ 226
Commercial Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	3	1	4	1
Pre-Modification Outstanding Recorded Investment	$ 214	$ 100	$ 232	$ 100
Post-Modification Outstanding Recorded Investment	$ 226	$ 99	$ 242	$ 99
Agriculture And Other Loans To Farmers [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans | loan		1	1	1
Pre-Modification Outstanding Recorded Investment		$ 100	$ 18	$ 100
Post-Modification Outstanding Recorded Investment		$ 99	$ 16	$ 99
Residential Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans | loan			3
Pre-Modification Outstanding Recorded Investment			$ 1,267
Post-Modification Outstanding Recorded Investment			$ 1,266
Consumer Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans | loan			3
Pre-Modification Outstanding Recorded Investment			$ 1,267
Post-Modification Outstanding Recorded Investment			$ 1,266

Loans And Allowance For Loan 47

Loans And Allowance For Loan Losses (Summary Of Post-Modification Balance of Troubled Debt Restructurings) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Loans And Allowance For Loan Losses [Abstract]
Extended maturity and adjusted interest rate	$ 118	$ 99	$ 134	$ 99
Adjusted payment			607
Adjusted payment and capitalize interest			187
Extended amortization and adjusted interest rate	108		580
Total	$ 226	$ 99	$ 1,508	$ 99

Loans And Allowance For Loan 48

Loans And Allowance For Loan Losses (Schedule Of Past Due Loans) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 5,938	$ 9,932
Current	969,965	909,108
Total loans	975,903	919,040
Non-Accrual	7,033	12,288
Accruing loans contractually past due 90 days or more	0	0
30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2,224	3,230
60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	147	871
90 Days Or Greater [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	3,567	5,831
Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	813	2,266
Current	371,704	323,683
Total loans	372,517	325,949
Non-Accrual	1,163	3,156
Accruing loans contractually past due 90 days or more	0	0
Commercial Real Estate Mortgages [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	698	189
Commercial Real Estate Mortgages [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		234
Commercial Real Estate Mortgages [Member] | 90 Days Or Greater [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	115	1,843
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	290	1,043
Current	77,598	72,850
Total loans	77,888	73,893
Non-Accrual	297	624
Accruing loans contractually past due 90 days or more	0	0
Commercial And Industrial [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	13	665
Commercial And Industrial [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	3	45
Commercial And Industrial [Member] | 90 Days Or Greater [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	274	333
Commercial Construction And Land Development [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,260	1,328
Current	23,894	24,093
Total loans	25,154	25,421
Non-Accrual	1,260	1,328
Accruing loans contractually past due 90 days or more	0	0
Commercial Construction And Land Development [Member] | 90 Days Or Greater [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,260	1,328
Agriculture And Other Loans To Farmers [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2	91
Current	32,518	30,380
Total loans	32,520	30,471
Non-Accrual	16	84
Accruing loans contractually past due 90 days or more	0	0
Agriculture And Other Loans To Farmers [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2	27
Agriculture And Other Loans To Farmers [Member] | 90 Days Or Greater [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		64
Residential Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2,656	4,208
Current	388,412	378,470
Total loans	391,068	382,678
Non-Accrual	3,492	6,051
Accruing loans contractually past due 90 days or more	0	0
Residential Real Estate Mortgages [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,429	1,980
Residential Real Estate Mortgages [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	78	547
Residential Real Estate Mortgages [Member] | 90 Days Or Greater [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,149	1,681
Home Equity Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	852	753
Current	50,438	51,042
Total loans	51,290	51,795
Non-Accrual	791	1,029
Accruing loans contractually past due 90 days or more	0	0
Home Equity Loans [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	25	138
Home Equity Loans [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	60	40
Home Equity Loans [Member] | 90 Days Or Greater [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	767	575
Consumer Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	65	243
Current	10,082	11,897
Total loans	10,147	12,140
Non-Accrual	14	16
Accruing loans contractually past due 90 days or more	0	0
Consumer Loans [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	57	231
Consumer Loans [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	6	5
Consumer Loans [Member] | 90 Days Or Greater [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2	7
Tax Exempt [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	15,319	16,693
Total loans	15,319	16,693
Accruing loans contractually past due 90 days or more	$ 0	$ 0

Loans And Allowance For Loan 49

Loans And Allowance For Loan Losses (Schedule Of Impaired Loans) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Financing Receivable, Impaired [Line Items]
Impaired loans, with no related allowance, Recorded Investment	$ 3,223		$ 3,223		$ 3,813
Impaired loans, with no related allowance, Unpaid Principal Balance	3,446		3,446		5,768
Impaired loans, with related allowance, Recorded Investment	2,247		2,247		2,321
Impaired loans, with related allowance, Unpaid Principal Balance	4,322		4,322		2,579
Impaired loans, Related Allowance	291		291		964
Impaired Financing Receivable, Recorded Investment	5,470		5,470		6,134
Impaired Financing Receivable, Unpaid Principal Balance	7,768		7,768		8,347
Impaired loans, with no related allowance, Average Recorded Investment	4,112	$ 4,245	4,931	$ 4,707
Impaired loans, with no related allowance, Interest Recorded	33	16	78	59
Impaired loans, with related allowance, Average Recorded Investment	$ 2,249	633	2,249	901
Impaired loans, with related allowance, Interest Recorded
Impaired loans, Average Recorded Investment, Total	$ 6,361	4,878	7,180	5,608
Impaired loans, Interest Recorded, Total	33	16	78	59
Commercial Real Estate Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans, with no related allowance, Recorded Investment	1,583		1,583		1,606
Impaired loans, with no related allowance, Unpaid Principal Balance	1,627		1,627		1,606
Impaired loans, with related allowance, Recorded Investment	405		405		1,986
Impaired loans, with related allowance, Unpaid Principal Balance	405		405		2,014
Impaired loans, Related Allowance	39		39		776
Impaired loans, with no related allowance, Average Recorded Investment	2,408	1,763	3,099	1,877
Impaired loans, with no related allowance, Interest Recorded	20	11	42	43
Impaired loans, with related allowance, Average Recorded Investment	$ 405	229	405	498
Impaired loans, with related allowance, Interest Recorded
Commercial And Industrial [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans, with no related allowance, Recorded Investment	$ 212		212		309
Impaired loans, with no related allowance, Unpaid Principal Balance	246		246		309
Impaired loans, with related allowance, Recorded Investment	225		225		325
Impaired loans, with related allowance, Unpaid Principal Balance	375		375		555
Impaired loans, Related Allowance	176		176		187
Impaired loans, with no related allowance, Average Recorded Investment	231	512	334	663
Impaired loans, with no related allowance, Interest Recorded	2	1	7	3
Impaired loans, with related allowance, Average Recorded Investment	$ 226	404	228	403
Impaired loans, with related allowance, Interest Recorded
Commercial Construction And Land Development [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans, with no related allowance, Recorded Investment					1,328
Impaired loans, with no related allowance, Unpaid Principal Balance					3,253
Impaired loans, with related allowance, Recorded Investment	$ 1,260		1,260
Impaired loans, with related allowance, Unpaid Principal Balance	3,185		3,185
Impaired loans, Related Allowance	$ 24		24
Impaired loans, with no related allowance, Average Recorded Investment		1,328		1,576
Impaired loans, with no related allowance, Interest Recorded
Impaired loans, with related allowance, Average Recorded Investment	$ 1,260		1,260
Impaired loans, with related allowance, Interest Recorded
Agriculture And Other Loans To Farmers [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans, with no related allowance, Recorded Investment	$ 108		108		181
Impaired loans, with no related allowance, Unpaid Principal Balance	108		108		181
Impaired loans, with no related allowance, Average Recorded Investment	123	$ 143	155	89
Impaired loans, with no related allowance, Interest Recorded	$ 3		7	2
Impaired loans, with related allowance, Interest Recorded
Residential Real Estate Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans, with no related allowance, Recorded Investment	$ 1,302		1,302		389
Impaired loans, with no related allowance, Unpaid Principal Balance	1,447		1,447		419
Impaired loans, with related allowance, Recorded Investment	348		348
Impaired loans, with related allowance, Unpaid Principal Balance	348		348
Impaired loans, Related Allowance	52		52
Impaired loans, with no related allowance, Average Recorded Investment	1,332	$ 468	1,325	470
Impaired loans, with no related allowance, Interest Recorded	8	3	21	10
Impaired loans, with related allowance, Average Recorded Investment	$ 348		346
Impaired loans, with related allowance, Interest Recorded
Home Equity Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans, with no related allowance, Recorded Investment	$ 18		18
Impaired loans, with no related allowance, Unpaid Principal Balance	18		18
Impaired loans, with no related allowance, Average Recorded Investment	$ 18	20	18	20
Impaired loans, with no related allowance, Interest Recorded		1	1	1
Impaired loans, with related allowance, Interest Recorded
Other Consumer Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans, with related allowance, Recorded Investment	$ 9		9		10
Impaired loans, with related allowance, Unpaid Principal Balance	$ 9		9		10
Impaired loans, Related Allowance					$ 1
Impaired loans, with no related allowance, Average Recorded Investment		$ 11		$ 12
Impaired loans, with no related allowance, Interest Recorded
Impaired loans, with related allowance, Average Recorded Investment	$ 10		$ 10
Impaired loans, with related allowance, Interest Recorded

Loans And Allowance For Loan 50

Loans And Allowance For Loan Losses (Schedule Of Loans With Credit Quality Indicators) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	$ 508,079	$ 455,734
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	474,860	417,939
Other Assets Especially Mentioned [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	11,938	19,043
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	$ 21,280	$ 18,752
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan
Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	$ 1
Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	372,517	$ 325,949
Commercial Real Estate Mortgages [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	346,503	302,376
Commercial Real Estate Mortgages [Member] | Other Assets Especially Mentioned [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	8,845	11,501
Commercial Real Estate Mortgages [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	$ 17,169	$ 12,072
Commercial Real Estate Mortgages [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan
Commercial Real Estate Mortgages [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	$ 77,888	$ 73,893
Commercial And Industrial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	72,568	62,226
Commercial And Industrial [Member] | Other Assets Especially Mentioned [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	2,623	7,349
Commercial And Industrial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	$ 2,696	$ 4,318
Commercial And Industrial [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan
Commercial And Industrial [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	$ 1
Commercial Construction And Land Development [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	25,154	$ 25,421
Commercial Construction And Land Development [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	23,607	23,290
Commercial Construction And Land Development [Member] | Other Assets Especially Mentioned [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	287
Commercial Construction And Land Development [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	$ 1,260	$ 2,131
Commercial Construction And Land Development [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan
Commercial Construction And Land Development [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan
Agriculture And Other Loans To Farmers [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	$ 32,520	$ 30,471
Agriculture And Other Loans To Farmers [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	32,182	30,047
Agriculture And Other Loans To Farmers [Member] | Other Assets Especially Mentioned [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	183	193
Agriculture And Other Loans To Farmers [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	$ 155	$ 231
Agriculture And Other Loans To Farmers [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan
Agriculture And Other Loans To Farmers [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan

Loans And Allowance For Loan 51

Loans And Allowance For Loan Losses (Schedule Of Allowance For Loan Losses By Portfolio Segment) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	$ 9,099	$ 8,751	$ 8,969	$ 8,475	$ 8,475
Charged off	(585)	(668)	(1,543)	(1,337)	(1,620)
Recoveries	98	61	291	121	281
Provision	425	491	1,320	1,376	1,833
Ending Balance	9,037	8,635	9,037	8,635	8,969
Amount for loans individually evaluated for impairment	291		291		964
Amount for loans collectively evaluated for impairment	8,746		8,746		8,005
Loans individually evaluated for impairment	5,470		5,470		6,134
Loans collectively evaluated for impairment	970,433		970,433		912,906
Commercial Real Estate Mortgages [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	4,289	4,887	4,468	4,825	4,825
Charged off	(461)	(19)	(667)	(184)	(238)
Recoveries	58	34	97	40	85
Provision	600	(71)	588	150	(204)
Ending Balance	4,486	4,831	4,486	4,831	4,468
Amount for loans individually evaluated for impairment	39		39		776
Amount for loans collectively evaluated for impairment	4,447		4,447		3,692
Loans individually evaluated for impairment	1,988		1,988		3,592
Loans collectively evaluated for impairment	370,529		370,529		322,357
Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	1,147	1,573	929	1,266	1,266
Charged off	(22)	(317)	(310)	(416)	(475)
Recoveries	31	1	33	13	16
Provision	(49)	150	455	544	122
Ending Balance	1,107	1,407	1,107	1,407	929
Amount for loans individually evaluated for impairment	176		176		187
Amount for loans collectively evaluated for impairment	931		931		742
Loans individually evaluated for impairment	437		437		634
Loans collectively evaluated for impairment	77,451		77,451		73,259
Commercial Construction And Land Development [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	145	254	145	314	314
Provision	(12)	77	(12)	17	(169)
Ending Balance	133	331	133	331	145
Amount for loans individually evaluated for impairment	24		24
Amount for loans collectively evaluated for impairment	109		109		145
Loans individually evaluated for impairment	1,260		1,260		1,328
Loans collectively evaluated for impairment	23,894		23,894		24,093
Agriculture And Other Loans To Farmers [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	372	371	277	335	335
Charged off	(54)		(72)	(14)	(14)
Recoveries	3	11	15	26	130
Provision	28	(26)	129	9	(174)
Ending Balance	349	356	349	356	277
Amount for loans collectively evaluated for impairment	349		349		277
Loans individually evaluated for impairment	108		108		181
Loans collectively evaluated for impairment	32,412		32,412		30,290
Residential Real Estate Mortgages [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	2,485	1,149	2,714	1,166	1,166
Charged off		(264)	(70)	(557)	(650)
Recoveries			129	12	12
Provision	(182)	275	(470)	539	2,186
Ending Balance	2,303	1,160	2,303	1,160	2,714
Amount for loans individually evaluated for impairment	52		52
Amount for loans collectively evaluated for impairment	2,251		2,251		2,714
Loans individually evaluated for impairment	1,650		1,650		389
Loans collectively evaluated for impairment	389,418		389,418		382,289
Consumer Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	110	103	94	137	137
Charged off	(23)	(68)	(48)	(148)	(191)
Recoveries	6	14	17	29	37
Provision	11	97	41	128	111
Ending Balance	104	146	104	146	94
Amount for loans individually evaluated for impairment					1
Amount for loans collectively evaluated for impairment	104		104		93
Loans individually evaluated for impairment	9		9		10
Loans collectively evaluated for impairment	10,138		10,138		12,130
Home Equity Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	472	241	271	264	264
Charged off	(25)		(376)	(18)	(52)
Recoveries		1		1	1
Provision	34		586	(5)	58
Ending Balance	481	242	481	242	271
Amount for loans collectively evaluated for impairment	481		481		271
Loans individually evaluated for impairment	18		18
Loans collectively evaluated for impairment	51,272		51,272		51,795
Tax Exempt [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	79	173	71	168	168
Provision	(5)	(11)	3	(6)	(97)
Ending Balance	74	$ 162	74	$ 162	71
Amount for loans collectively evaluated for impairment	74		74		71
Loans collectively evaluated for impairment	$ 15,319		$ 15,319		$ 16,693

Reclassifications Out Of Accu52

Reclassifications Out Of Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net (losses) gain on sales of investments		$ (81)	$ 1,206	$ 666
Salaries and benefits	$ 4,623	4,249	13,244	12,448
Provision for income taxes	1,548	1,623	4,694	4,719
Net income	3,931	3,867	11,685	11,511
Net (loss) income, net of tax	$ (7)	(64)	765	426
Reclassification Out Of Accumulated Other Comprehensive Income [Member] | Accumulated Net Investment Gain (Loss) Attributable to Parent [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net (losses) gain on sales of investments		(81)	1,206	666
Provision for income taxes		28	(422)	(226)
Net income		(53)	784	440
Reclassification Out Of Accumulated Other Comprehensive Income [Member] | Amortization Of Actuarial Gain/Loss For Supplemental Executive Retirement Plan [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Salaries and benefits	$ (10)	(16)	(29)	(21)
Provision for income taxes	3	5	10	7
Net income	$ 7	$ (11)	$ (19)	$ (14)

Financial Derivative Instrume53

Financial Derivative Instruments (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2014USD ($)	Sep. 30, 2015USD ($)contract
Derivative [Line Items]
Fair Value	$ 3,455	$ 2,251
Interest Rate Cap [Member]
Derivative [Line Items]
Number of Interest Rate Derivatives Held | contract		4
Notional Amount		$ 90,000
Premium Paid	$ 4,566	1
Cap Interest Rate	3.00%
Debt Instrument, Interest Rate, Effective Percentage Rate Range, Maximum	3.00%
Fair Value	$ 3,455	2,251
Interest Rate Cash Flow Hedge Gain (Loss) to be Reclassified During Next 12 Months, Net		$ 34

Financial Derivative Instrume54

Financial Derivative Instruments (Schedule of Notional Amounts of Outstanding Derivative Positions) (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
Derivative [Line Items]
Unamortized Premium	$ 4,565	$ 4,566
Fair Value	2,251	$ 3,455
Interest Rate Cap [Member]
Derivative [Line Items]
Notional Amount	90,000
Cap Interest Rate		3.00%
Premium Paid	1	$ 4,566
Fair Value	2,251	$ 3,455
Interest Rate Cap 1 [Member]
Derivative [Line Items]
Notional Amount	$ 25,000
Termination Date	Jun. 2, 2021
Cap Interest Rate	3.00%
Premium Paid	$ 922
Unamortized Premium	921
Fair Value	$ 327
Cash Flow Hedge Derivative Instrument Assets at Fair Value
Interest Rate Cap 2 [Member]
Derivative [Line Items]
Notional Amount	$ 20,000
Termination Date	Jun. 4, 2024
Cap Interest Rate	3.00%
Premium Paid	$ 1,470
Unamortized Premium	1,470
Fair Value	$ 688
Cash Flow Hedge Derivative Instrument Assets at Fair Value
Interest Rate Cap 3 [Member]
Derivative [Line Items]
Notional Amount	$ 20,000
Termination Date	Oct. 21, 2021
Cap Interest Rate	3.00%
Premium Paid	$ 632
Unamortized Premium	632
Fair Value	$ 297
Cash Flow Hedge Derivative Instrument Assets at Fair Value
Interest Rate Cap 4 [Member]
Derivative [Line Items]
Notional Amount	$ 25,000
Termination Date	Oct. 21, 2024
Cap Interest Rate	3.00%
Premium Paid	$ 1,542
Unamortized Premium	1,542
Fair Value	$ 939
Cash Flow Hedge Derivative Instrument Assets at Fair Value

Financial Derivative Instrume55

Financial Derivative Instruments (Schedule of Interest Rate Derivatives) (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
Financial Derivative Instruments [Abstract]
Unrealized losses on interest rate caps, Gross	$ (2,314)	$ (1,111)
Unamortized premium on interest rate caps, Gross	4,565	4,566
Total, Gross	2,251	3,455
Unrealized gain on interest rate caps, Net of Tax	(1,504)	(722)
Unamortized premium on interest rate caps, Net of Tax	2,967	2,968
Total, Net of Tax	$ 1,463	$ 2,246

Retirement Benefit Plans (Summa

Retirement Benefit Plans (Summary Of Net Periodic Benefit Costs) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Retirement Benefit Plans [Abstract]
Service cost	$ 17	$ 16	$ 53	$ 48
Interest cost	32	37	94	112
Actuarial loss on supplemental executive retirement plan, net of tax	7	7	19	21
Net periodic benefit cost	$ 56	$ 60	166	$ 181
Recognized expense for the foregoing plans			234
Expected contributions to forgoing plans			291
Contributions to plans			$ 216

Commitments And Contingent Li57

Commitments And Contingent Liabilities (Schedule Of Contractual Amounts Of Commitments And Contingent Liabilities) (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
Commitments To Originate Loans [Member]
Long-term Purchase Commitment [Line Items]
Contractual amount of commitment and contingent liability	$ 42,030	$ 21,147
Unused Lines Of Credit [Member]
Long-term Purchase Commitment [Line Items]
Contractual amount of commitment and contingent liability	98,326	92,817
Un-Advanced Portions Of Construction Loans [Member]
Long-term Purchase Commitment [Line Items]
Contractual amount of commitment and contingent liability	14,857	23,434
Standby Letters Of Credit [Member]
Long-term Purchase Commitment [Line Items]
Contractual amount of commitment and contingent liability	$ 385	$ 325
Maximum [Member]
Long-term Purchase Commitment [Line Items]
Standby letters of credit terms, in years	5 years

Goodwill And Other Intangible58

Goodwill And Other Intangible Assets (Narrative) (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Dec. 31, 2014	Sep. 30, 2012
Schedule Of Goodwill And Other Intangible Assets [Line Items]
Goodwill	$ 4,935	$ 4,935
Core deposit intangible asset, estimated life	8 years 6 months
Balance of core deposit intangibles	$ 493	$ 562
Expected amortization for 2015	92
Expected amortization for 2016	92
Expected amortization for 2017	92
Expected amortization for 2018	92
Expected amortization for 2019	92
Expected amortization for 2020	92
Expected amortization for 2021	$ 8
Border Trust Company [Member]
Schedule Of Goodwill And Other Intangible Assets [Line Items]
Goodwill			$ 1,777

Goodwill And Other Intangible59

Goodwill And Other Intangible Assets (Core Deposit Intangible Assets) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Goodwill And Other Intangible Assets [Abstract]
Gross carrying amount	$ 783	$ 783
Less: accumulated amortization	290	221
Net carrying amount	$ 493	$ 562

Fair Value Measurements (Narrat

Fair Value Measurements (Narrative) (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans with a carrying value	$ 5,470	$ 6,134
Impaired loans, allowance	$ 291	964
Maximum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discounts for estimated costs to dispose and other considerations	30.00%
Minimum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discounts for estimated costs to dispose and other considerations	10.00%
Collateral Dependent Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans with a carrying value	$ 2,022	1,986
Impaired loans, allowance	$ 277	$ 776

Fair Value Measurements (Financ

Fair Value Measurements (Financial Assets And Financial Liabilities Measured At Fair Value On A Recurring Basis) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
US Government-Sponsored Enterprises [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Recurring	$ 302,566	$ 288,210
US Government-Sponsored Enterprises [Member] | Level 2 Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Recurring	302,566	288,210
US Government Agency [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Recurring	83,677	83,346
US Government Agency [Member] | Level 2 Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Recurring	83,677	83,346
Private Label Mortgage-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Recurring	3,742	4,524
Private Label Mortgage-Backed Securities [Member] | Level 2 Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Recurring	3,742	4,524
Obligations Of States And Political Subdivisions Thereof [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Recurring	112,695	94,445
Obligations Of States And Political Subdivisions Thereof [Member] | Level 2 Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Recurring	112,695	94,445
Derivative Financial Instruments, Assets [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Recurring	2,251	3,455
Derivative Financial Instruments, Assets [Member] | Level 2 Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Recurring	$ 2,251	$ 3,455

Fair Value Measurements (Fina62

Fair Value Measurements (Financial Assets And Financial Liabilities Measured At Fair Value On A Non-Recurring Basis) (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
Other Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets and liabilities, fair value	$ 818	$ 523
Loss	$ 20	$ 397
Other Real Estate Owned [Member] | Level 1 Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets and liabilities, fair value
Other Real Estate Owned [Member] | Level 2 Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets and liabilities, fair value
Other Real Estate Owned [Member] | Level 3 Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets and liabilities, fair value	$ 818	$ 523
Collateral Dependent Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets and liabilities, fair value	$ 2,022	$ 1,986
Collateral Dependent Impaired Loans [Member] | Level 1 Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets and liabilities, fair value
Collateral Dependent Impaired Loans [Member] | Level 2 Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets and liabilities, fair value
Collateral Dependent Impaired Loans [Member] | Level 3 Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets and liabilities, fair value	$ 2,022	$ 1,986

Fair Value Of Financial Instr63

Fair Value Of Financial Instruments (Summary Of The Carrying Values And Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans, net	$ 966,913	$ 910,055
Time deposits	472,230	378,063
Level 1 Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	12,336	9,800
Level 2 Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Federal Home Loan Bank stock	23,593	21,354
Loans, net	968,543	913,784
Interest receivable	5,025	4,975
Deposits (with no stated maturity)	538,664	479,986
Time deposits	474,426	379,132
Borrowings	396,756	447,637
Interest payable	483	499
Carrying Value [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	12,336	9,800
Federal Home Loan Bank stock	23,593	21,354
Loans, net	966,913	910,055
Interest receivable	5,025	4,795
Deposits (with no stated maturity)	538,664	479,986
Time deposits	472,230	378,063
Borrowings	395,606	447,020
Interest payable	483	499
Fair Value [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	12,336	9,800
Federal Home Loan Bank stock	23,593	21,354
Loans, net	968,543	913,784
Interest receivable	5,025	4,795
Deposits (with no stated maturity)	538,664	479,986
Time deposits	474,426	379,132
Borrowings	396,756	447,637
Interest payable	$ 483	$ 499