Evans Bancorp (EVBN) 10-K 3 Mar 16 2015 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Feb. 26, 2016	Jun. 30, 2015
Document And Entity Information [Abstract]
Entity Registrant Name	EVANS BANCORP INC
Entity Filer Category	Smaller Reporting Company
Entity Central Index Key	842,518
Entity Current Reporting Status	Yes
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Amendment Flag	false
Document Type	10-K
Document Fiscal Period Focus	FY
Document Period End Date	Dec. 31, 2015
Document Fiscal Year Focus	2,015
Current Fiscal Year End Date	--12-31
Entity Common Stock, Shares Outstanding		4,261,126
Entity Public Float			$ 67.6

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
ASSETS
Cash and due from banks	$ 11,813	$ 8,784
Interest-bearing deposits at banks	10,808	2,114
Securities:
Available for sale, at fair value (amortized cost: $96,374 at December 31, 2015; $94,048 at December 31, 2014)	97,141	95,533
Held to maturity, at amortized cost (fair value: $1,584 at December 31, 2015; $1,574 at December 31, 2014)	1,617	1,599
Federal Home Loan Bank common stock, at amortized cost	1,296	1,439
Federal Reserve Bank common stock, at amortized cost	1,487	1,486
Loans, net of allowance for loan losses of $12,883 at December 31, 2015 and $12,533 at December 31, 2014	761,101	683,131
Properties and equipment, net of accumulated depreciation of $15,799 at December 31, 2015 and $15,129 at December 31, 2014	11,051	10,224
Goodwill	8,101	8,101
Bank-owned life insurance	20,978	20,415
Other assets	13,714	13,983
TOTAL ASSETS	939,107	846,809
Deposits:
Demand	183,098	158,631
NOW	83,674	72,670
Regular savings	439,993	363,542
Time	96,217	112,792
Total deposits	802,982	707,635
Securities sold under agreement to repurchase	10,821	13,778
Other borrowings	10,000	13,700
Other liabilities	12,718	14,578
Junior subordinated debentures	11,330	11,330
Total liabilities	$ 847,851	$ 761,021
CONTINGENT LIABILITIES AND COMMITMENTS
STOCKHOLDERS' EQUITY:
Common stock, $.50 par value, 10,000,000 shares authorized; 4,260,203 and 4,241,797 shares issued at December 31, 2015 and December 31, 2014, respectively, and 4,257,179 and 4,203,684 outstanding at December 31, 2015 and December 31, 2014, respectively	$ 2,132	$ 2,123
Capital surplus	43,318	43,102
Treasury stock, at cost, 3,024 and 38,113 shares at December 31, 2015 and December 31, 2014, respectively		(751)
Retained earnings	47,616	42,822
Accumulated other comprehensive loss, net of tax	(1,810)	(1,508)
Total stockholders' equity	91,256	85,788
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 939,107	$ 846,809

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Securities:
Available for sale, amortized cost	$ 96,374	$ 94,048
Held to maturity, fair value	1,584	1,574
Loans, allowance for loan losses	12,883	12,533
Properties and equipment, accumulated depreciation	$ 15,799	$ 15,129
STOCKHOLDERS' EQUITY:
Common stock, par value	$ 0.50	$ 0.50
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	4,260,203	4,241,797
Common stock, shares outstanding	4,257,179	4,203,684
Treasury stock, shares	3,024	38,113

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
INTEREST INCOME
Loans	$ 32,638	$ 31,899	$ 29,546
Interest bearing deposits at banks	64	33	132
Securities:
Taxable	1,935	1,816	1,666
Non-taxable	991	967	1,060
Total interest income	35,628	34,715	32,404
INTEREST EXPENSE
Deposits	3,339	3,058	3,296
Other borrowings	158	237	436
Junior subordinated debentures	327	321	325
Total interest expense	3,824	3,616	4,057
NET INTEREST INCOME	31,804	31,099	28,347
PROVISION FOR LOAN LOSSES	1,216	1,229	1,540
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	30,588	29,870	26,807
NON-INTEREST INCOME
Bank charges	1,736	1,839	2,039
Insurance service and fees	7,194	7,131	7,211
Data center income	104	348	464
Gain on loans sold	133	203	25
Bank-owned life insurance	563	574	508
Loss on tax credit investments		(2,596)	(1,555)
Gain on insurance settlement	734
Interchange fee income	1,270	1,142	1,059
Gain on termination of loss sharing agreement			716
Other	1,986	1,632	1,694
Total non-interest income	13,720	10,273	12,161
NON-INTEREST EXPENSE
Salaries and employee benefits	20,478	18,844	17,755
Occupancy	2,789	2,868	3,010
Repairs and maintenance	822	732	723
Advertising and public relations	857	867	786
Professional services	2,354	1,819	1,892
Technology and communications	1,183	1,130	1,283
Litigation expense	(175)	1,000
Amortization of intangibles		108	221
FDIC insurance	607	553	576
Other	3,783	3,331	3,134
Total non-interest expense	32,698	31,252	29,380
INCOME BEFORE INCOME TAXES	11,610	8,891	9,588
INCOME TAX PROVISION	3,767	704	1,731
NET INCOME	$ 7,843	$ 8,187	$ 7,857
Net income per common share-basic	$ 1.85	$ 1.96	$ 1.88
Net income per common share-diluted	1.82	1.92	1.85
Cash dividends per common share	$ 0.72	$ 0.65	$ 0.26
Weighted average number of common shares outstanding	4,235,048	4,186,786	4,189,769
Weighted average number of diluted shares outstanding	4,307,368	4,264,406	4,239,037

Statements Of Consolidated Comp

Statements Of Consolidated Comprehensive Income - USD ($) $ in Thousands		3 Months Ended								12 Months Ended
		Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Statements Of Consolidated Comprehensive Income [Abstract]
NET INCOME		$ 1,754	$ 2,509	$ 1,675	$ 1,905	$ 2,306	$ 2,290	$ 1,579	$ 2,012	$ 7,843	$ 8,187	$ 7,857
Unrealized gain (loss) on available-for-sale securities:
Unrealized gain (loss) on available-for-sale securities										$ (436)	$ 720	$ (2,266)
Less: Reclassification of gain on sale of securities
Net change, Net-of-Tax Amount										$ (436)	$ 720	$ (2,266)
Defined benefit pension plans:
Amortization of prior service cost	[1]									19	19	42
Amortization of actuarial loss	[1]									125	64	108
Actuarial gains (losses)										(10)	(1,048)	752
Net change, Net-of-Tax Amount										134	(965)	902
OTHER COMPREHENSIVE INCOME (LOSS), NET OF TAX										(302)	(245)	(1,364)
COMPREHENSIVE INCOME										$ 7,541	$ 7,942	$ 6,493
[1]	Included in net periodic pension cost as described in Note 11 - "Employee Benefits and Deferred Compensation Plans"

Consolidated Statements Of Chan

Consolidated Statements Of Changes In Stockholders’ Equity - USD ($) $ in Thousands	Common Stock [Member]	Capital Surplus [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Treasury Stock [Member]	Total
Balance at Dec. 31, 2012	$ 2,087	$ 42,029	$ 30,611	$ 101		$ 74,828
Net income			7,857			7,857
Other comprehensive loss				(1,364)		(1,364)
Cash dividends			(1,098)			(1,098)
Stock options and restricted stock expense		352				352
Excess tax (expense) benefit from stock-based compensation		(9)				(9)
Issued restricted shares, net of forfeitures	9	(9)
Issued shares in Employee Stock Purchase Plan	7	184				191
Issued shares through stock option exercise	2	55				57
Repurchased shares in Treasury stock					$ (250)	(250)
Reissued shares under dividend reinvestment plan		3			99	102
Reissued shares through stock option exercise	1	14			31	46
Balance at Dec. 31, 2013	2,106	42,619	37,370	(1,263)	(120)	80,712
Net income			8,187			8,187
Other comprehensive loss				(245)		(245)
Cash dividends			(2,735)			(2,735)
Stock options and restricted stock expense		465				465
Excess tax (expense) benefit from stock-based compensation		87				87
Issued restricted shares, net of forfeitures	11	(11)
Issued shares in Employee Stock Purchase Plan	6	232				238
Repurchased shares in Treasury stock					(1,436)	(1,436)
Reissued restricted shares		(4)			4
Reissued shares under dividend reinvestment plan		3			255	258
Reissued shares through stock option exercise		(289)			546	257
Balance at Dec. 31, 2014	2,123	43,102	42,822	(1,508)	(751)	85,788
Net income			7,843			7,843
Other comprehensive loss				(302)		(302)
Cash dividends			(3,049)			(3,049)
Stock options and restricted stock expense		495				495
Excess tax (expense) benefit from stock-based compensation		32				32
Issued shares in Employee Stock Purchase Plan	5	211				216
Issued shares through stock option exercise	4	(4)
Repurchased shares in Treasury stock					(210)	(210)
Reissued restricted shares		(503)			503
Reissued shares under dividend reinvestment plan		31			246	277
Reissued shares through stock option exercise		(46)			$ 212	166
Balance at Dec. 31, 2015	$ 2,132	$ 43,318	$ 47,616	$ (1,810)		$ 91,256

Consolidated Statements Of Cha7

Consolidated Statements Of Changes In Stockholders’ Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Consolidated Statements Of Changes In Stockholders’ Equity [Abstract]
Cash dividends per common share	$ 0.72	$ 0.65	$ 0.26
Restricted shares issued, net of forfeitures		20,517	19,431
Restricted shares forfeitures		5,998	2,191
Shares issued in Employee Stock Purchase Plan	10,574	12,821	13,455
Shares issued through stock option exercise	7,832		4,100
Shares repurchased in Treasury stock	8,676	59,800	13,032
Restricted shares reissued	20,942	186
Shares reissued under dividend reinvestment plan	11,197	11,265	5,126
Shares reissued through stock option exercise	15,235	23,331	3,000

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
OPERATING ACTIVITIES:
Interest received	$ 35,044	$ 34,707	$ 32,176
Fees received	12,719	12,505	14,786
Interest paid	(3,896)	(3,607)	(4,070)
Cash paid to employees and vendors	(32,658)	(29,418)	(28,667)
Cash contributed to pension plan	(165)	(110)	(185)
Income taxes paid	(2,950)	(2,858)	(1,902)
Proceeds from sale of loans held for resale	14,453	15,471	776
Originations of loans held for resale	(14,449)	(15,669)	187
Net cash provided by operating activities	8,098	11,021	13,101
INVESTING ACTIVITIES:
Purchases of available for sale securities	(28,961)	(15,379)	(27,055)
Proceeds from maturities, calls, and payments of available for sale securities	26,760	20,217	15,750
Purchases of held to maturity securities	(637)	(618)	(941)
Proceeds from maturities, calls, and payments of held to maturity securities	619	1,403	2,302
Proceeds from property insurance	1,183
Cash paid for bank owned life insurance			(4,000)
Additions to properties and equipment	(1,888)	(580)	(1,448)
Proceeds from sales of fixed assets			365
Purchase of tax credit investment	(1,100)	(1,912)	(225)
Net increase in loans	(78,441)	(47,941)	(64,280)
Net cash used in investing activities	(82,465)	(44,810)	(79,532)
FINANCING ACTIVITIES:
Proceeds from (repayments of) borrowings, net	(6,657)	5,128	(8,760)
Net increase in deposits	95,347	1,023	27,620
Dividends paid	(3,049)	(2,735)	(1,098)
Repurchase of treasury stock	(210)	(1,436)	(250)
Issuance of common stock	216	238	248
Reissuance of treasury stock	443	515	148
Net cash provided by financing activities	86,090	2,733	17,908
Net increase (decrease) in cash and equivalents	11,723	(31,056)	(48,523)
CASH AND CASH EQUIVALENTS:
Beginning of period	10,898	41,954	90,477
End of period	22,621	10,898	41,954
RECONCILIATION OF NET INCOME TO NET CASH PROVIDED BY OPERATING ACTIVITIES:
Net income	7,843	8,187	7,857
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	1,513	1,573	1,996
Deferred tax (benefit) expense	980	(1,460)	(372)
Provision for loan losses	1,216	1,229	1,540
Loss on tax credit investment		2,596	1,555
Gain on loans sold	(133)	(203)	(25)
Gain on proceeds from insurance	(734)
Stock options and restricted stock expense	495	465	352
Proceeds from sale of loans held for resale	14,453	15,471	776
Originations of loans held for resale	(14,449)	(15,669)	187
Changes in assets and liabilities affecting cash flow:
Other assets	(2,563)	(2,919)	(2,119)
Other liabilities	(523)	1,751	1,354
NET CASH PROVIDED BY OPERATING ACTIVITIES	$ 8,098	$ 11,021	$ 13,101

Organization And Summary Of Sig

Organization And Summary Of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2015
Organization And Summary Of Significant Accounting Policies [Abstract]
Organization And Summary Of Significant Accounting Policies	1. ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Organization and General Evans Bancorp, Inc. (the “Company”) was organized as a New York business corporation and incorporated under the laws of the State of New York on October 28, 1988 for the purpose of becoming a bank holding company. Through August 2004, the Company was registered with the Federal Reserve Board (“FRB”) as a bank holding company under the Bank Holding Company Act of 1956, as amended. In August 2004, the Company filed for, and was approved as, a Financial Holding Company under the Bank Holding Company Act. The Company currently conducts its business through its two subsidiaries: Evans Bank, N.A. (the “Bank”), a nationally chartered bank, and its subsidiaries, Suchak Data Systems, LLC (“SDS”), Evans National Leasing, Inc. (“ENL”) and Evans National Holding Corp. (“ENHC”); and Evans National Financial Services, LLC (“ENFS”) and its subsidiary, The Evans Agency LLC (“TEA”). Unless the context otherwise requires, the term “Company” refers collectively to Evans Bancorp, Inc. and its subsidiaries. The Company conducts its business through its subsidiaries. It does not engage in any other substantial business. Regulatory Requirements The Company is subject to the rules, regulations, and reporting requirements of various regulatory bodies, including the FRB, the Federal Deposit Insurance Corporation (“FDIC”), the Office of the Comptroller of the Currency (“OCC”), and the SEC. Principles of Consolidation The consolidated financial statements include the accounts of the Company, the Bank, ENFS and their subsidiaries. All material inter-company accounts and transactions are eliminated in consolidation. Accounting Estimates Management has made a number of estimates and assumptions relating to the reporting of assets and liabilities and disclosure of contingent assets and liabilities in order to prepare these consolidated financial statements in conformity with U.S. generally accepted accounting principles. The estimates and assumptions that management deems to be critical involve our accounting policies relating to the determination of our allowance for loan losses and the valuation of goodwill. These estimates and assumptions are based on management’s best estimates and judgment and management evaluates them on an ongoing basis using historical experience and other factors, including the current economic environment, which management believes to be reasonable under the circumstances. We adjust our estimates and assumptions when facts and circumstances dictate. The current economic recession increases the uncertainty inherent in our estimates and assumptions. As future events cannot be determined with precision, actual results could differ significantly from our estimates. Changes in those estimates resulting from continuing changes in the economic environment will be reflected in the consolidated financial statements in periods as they occur. Cash and Cash Equivalents For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks and interest-bearing deposits at banks. Securities Securities which the Bank has the positive intent and ability to hold to maturity are classified as held to maturity and are stated at cost, adjusted for discounts and premiums that are recognized in interest income over the period to the earlier of the call date or maturity using the level yield method. These securities represent debt issuances of local municipalities in the Bank’s market area for which market prices are not readily available. Management periodically evaluates the financial condition of the municipalities to see if there is any cause for impairment in their bonds. Securities classified as available for sale are stated at fair value with unrealized gains and losses excluded from earnings and reported, net of deferred income taxes, in accumulated other comprehensive income or loss, a component of stockholders’ equity. Gains and losses on sales of securities are computed using the specific identification method. Securities which experience an other-than-temporary decline in fair value are written down to a new cost basis with the amount of the write-down, due to credit problems, included in earnings as a realized loss. The new cost basis is not changed for subsequent recoveries in fair value. Factors which management considers in determining whether an impairment in value of an investment is other than temporary include the period of time the securities were in a loss position, management’s intent and ability to hold securities until fair values recover to amortized cost or if it is considered more likely than not that the Company will have to sell the security, the extent to which fair value is less than amortized cost, the issuer’s financial performance and near term prospects, the financial condition and prospects for the issuer’s geographic region and industry, and recoveries or declines in fair value subsequent to the balance sheet date. There were no charges associated with other-than-temporary impairment declines in fair value of securities in 2015, 2014, or 2013. The Bank does not engage in securities trading activities. Loans Loans that management has the intent and ability to hold for the foreseeable future, or until maturity or pay-off, generally are reported at their outstanding unpaid principal balances adjusted for unamortized deferred fees or costs. Interest income is accrued on the unpaid principal balance and is recognized using the interest method. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the effective yield method of accounting. Loans become past due when the payment date has been missed. If payment has not been received within 30 days, then the loan is delinquent. Delinquent loans are placed into three categories; 30-59 days past due, 60-89 days past due, or 90+ days past due. Loans 90 or more days past due are considered non-performing. The accrual of interest on loans is discontinued at the time the loan is 90 days delinquent, unless the credit is well secured and in process of collection. If the credit is not well secured and in the process of collection, the loan is placed on non-accrual status and is subject to charge-off if collection of principal or interest is considered doubtful. A loan can also be placed on nonaccrual before it is 90 days delinquent if management determines that it is probable that the Bank will be unable to collect principal or interest due according to the contractual terms of the loan. All interest due but not collected for loans that are placed on non-accrual status or charged off is reversed against interest income. The interest on these loans is accounted for on the cost-recovery method, until it again qualifies for an accrual basis. Any cash receipts on non-accrual loans reduce the carrying value of the loans. Loans are returned to accrual status when all principal and interest amounts contractually due are brought current, the adverse circumstances which resulted in the delinquent payment status are resolved, and payments are made in a timely manner for a period of time sufficient to reasonably assure their future dependability. The Bank considers a loan impaired when, based on current information and events, it is probable that it will be unable to collect principal or interest due according to the contractual terms of the loan. These loans are individually assessed for any impairment. Loan impairment is measured based on the present value of expected cash flows discounted at the loan’s effective interest rate or, as a practical expedient, at the loan’s observable market price or the fair value of the collateral, less costs to sell, if the loan is collateral dependent. Appraised and reported values may be discounted based on management’s historical knowledge, changes in market conditions from the time of valuation, estimated costs to sell, and/or management’s expertise and knowledge of the client and the client’s business. The Company has an appraisal policy in which appraisals are obtained upon a loan being downgraded on the Company’s internal loan rating scale to a 5 (special mention) or a 6 (substandard) depending on the amount of the loan, the type of loan and the type of collateral. All impaired loans are either graded a 6 or 7 on the internal loan rating scale. Subsequent to the downgrade, if the loan remains outstanding and impaired for at least one year more, management may require another follow-up appraisal. Between receipts of updated appraisals, if necessary, management may perform an internal valuation based on any known changing conditions in the marketplace such as sales of similar properties, a change in the condition of the collateral, or feedback from local appraisers. Consumer installment loans are collectively evaluated for impairment. Since these loans are not individually identified and evaluated, they are not considered impaired loans. The one exception is for consumer loans that are considered troubled debt restructurings (“TDR”) since all TDR loans are considered impaired. The Bank monitors the credit risk in its loan portfolio by reviewing certain credit quality indicators (“CQI”). The primary CQI for its commercial mortgage and commercial and industrial (“C&I”) portfolios is the individual loan’s credit risk rating. The following list provides a description of the credit risk ratings that are used internally by the Bank when assessing the adequacy of its allowance for loan losses: · 1-3-Pass: Risk Rated 1-3 loans are loans with a slight risk of loss. The loan is secured by collateral of sufficient value to cover the loan by an acceptable margin. The financial statements of the company demonstrate sufficient net worth and repayment ability. The company has established an acceptable credit history with the bank and typically has a proven track record of performance. Management is experienced, and has an at least average ability to manage the company. The industry has an average or less than average susceptibility to wide fluctuations in business cycles. · 4-Watch: Although generally acceptable, a higher degree of risk is evident in these watch credits. Obligor assessment factors may have elements which reflect marginally acceptable conditions warranting more careful review and analysis and monitoring. The obligor’s balance sheet reflects generally acceptable asset quality with some elements weak or marginally acceptable. Liquidity may be somewhat strained, but is at an acceptable level to support operations. Obligor may be fully leveraged with ratios higher than industry averages. High leverage is negatively impacting the company, leaving it vulnerable to adverse change. Inconsistent or declining capability to service existing debt requirements evidenced by debt service coverage temporarily below or near acceptable level. The margin of collateral may be adequate, but declining or fluctuating in value. Company management may be unproven, but capable. Rapid expansion or acquisition may increase leverage or reduce cash flow. Negative industry conditions or weaker management could also be characteristic. Proper consideration should be given to companies in a high growth phase or in development business segments that may not have achieved sustainable earnings. Obligors demonstrate sufficient financial flexibility to react to and positively address the root cause of the adverse financial trends without significant deviations from their current business strategy. The rating is also used for borrowers that have made significant progress in resolving their financial weaknesses. · 5-O.A.E.M. (Other Assets Especially Mentioned): Special Mention (“SM”) – A special mention asset has potential weaknesses that warrant 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. SM assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. SM assets have potential weaknesses that may, if not checked or corrected, weaken the asset or inadequately protect the institution’s position at some future date. These assets pose elevated risk, but their weakness does not yet justify a substandard classification. Borrowers may be experiencing adverse operating trends (declining revenues or margins) or an ill proportioned balance sheet (e.g. increasing inventory without an increase in sales, high leverage, tight liquidity). Adverse economic or market conditions, such as interest rate increases or the entry of a new competitor, may also support a special mention rating. Nonfinancial reasons for rating a credit exposure special mention include management problems, pending litigation, an ineffective loan agreement or other material structural weakness, and any other significant deviation from prudent lending practices. The SM rating is designed to identify a specific level of risk and concern about asset quality. Although an SM asset has a higher profitability of default than a pass asset, its default is not imminent. · 6-Substandard: A substandard asset is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Assets so classified must have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. Substandard assets have a high probability of payment default, or they have other well-defined weaknesses. They require more intensive supervision by Bank management. Substandard assets are generally characterized by current or expected unprofitable operations, inadequate debt service coverage, inadequate liquidity, or marginal capitalization. Repayment may depend on collateral or other credit risk subsidies. For some substandard assets, the likelihood of full collection of interest and principal may be in doubt; such assets should be placed on non-accrual. Although substandard assets in the aggregate will have distinct potential for loss, an individual asset’s loss potential does not have to be distinct for the asset to be rated substandard. These loans are periodically reviewed and tested for impairment. · 7-Doubtful: An asset classified doubtful has all the weaknesses inherent in one classified substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. A doubtful asset has a high probability of total or substantial loss, but because of specific pending events that may strengthen the asset, its classification of loss is deferred. Doubtful borrowers are usually in default, lack adequate liquidity or capital, and lack the resources necessary to remain an operating entity. Pending events can include mergers, acquisitions, liquidations, capital injections, the perfection of liens on additional collateral, the valuation of collateral, and refinancing. Generally, pending events should be resolved within a relatively short period and the ratings will be adjusted based on the new information. Because of high probability of loss, non-accrual accounting treatment is required for doubtful assets. · 8-Loss: Assets classified loss are considered uncollectable and of such little value that their continuance as bankable assets is not warranted. This classification does not mean that the assets have absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be affected in the future. With loss assets, the underlying borrowers are often in bankruptcy, have formally suspended debt repayments, or have otherwise ceased normal business operations. Once an asset is classified loss, there is little prospect of collecting either its principal or interest. When access to collateral, rather than the value of the collateral, is a problem, a less severe classification may be appropriate. Losses are to be recorded in the period an obligation becomes uncollectible. The Company’s consumer loans, including residential mortgages and home equities, are not individually risk rated or reviewed in the Company’s loan review process. Consumers are not required to provide the Company with updated financial information as is a commercial customer. Consumer loans also carry smaller balances. Given the lack of updated information since the initial underwriting of the loan and small size of individual loans, the Company does not have credit risk ratings for consumer loans and instead uses delinquency status as the credit quality indicator for consumer loans. However, once a consumer loan is identified as impaired, it is individually evaluated for impairment. Allowance for Loan Losses The provision for loan losses represents the amount charged against the Bank’s earnings to maintain an allowance for probable loan losses inherent in the portfolio based on management’s evaluation of the loan portfolio at the balance sheet date. Factors considered by the Bank’s management in establishing the allowance include: the collectability of individual loans, current loan concentrations, charge-off history, loss emergence period, delinquent loan percentages, the fair value of the collateral, input from regulatory agencies, and general economic conditions. On a quarterly basis, management of the Bank meets to review and determine the adequacy of the allowance for loan losses. In making this determination, the Bank’s management analyzes the ultimate collectability of the loans in its portfolio by incorporating feedback provided by the Bank’s internal loan staff, an independent internal loan review function and information provided by examinations performed by regulatory agencies. The analysis of the allowance for loan losses is composed of two components: specific credit allocation and general portfolio allocation. The specific credit allocation includes a detailed review of each impaired loan and allocation is made based on this analysis. Factors may include the appraisal value of the collateral, the age of the appraisal, the type of collateral, the performance of the loan to date, the performance of the borrower’s business based on financial statements, and legal judgments involving the borrower. The general portfolio allocation consists of an assigned reserve percentage based on the historical loss experience, the loss emergence period, and other qualitative factors of the loan category. The general portfolio allocation is segmented into homogeneous pools of loans with similar characteristics. Separate pools of loans include loans pooled by loan grade and by portfolio segment. An average historical loss rate over the past five years multiplied by the loss emergence period factor is applied against loans graded a 5 or worse (“criticized loans”). The same is done for loans that are graded 4 or better (“non-criticized loans”) in separate pools. For both the criticized and non-criticized loan pools in the general portfolio allocation, additional qualitative factors are applied. The qualitative factors applied to the general portfolio allocation reflect management’s evaluation of various conditions. The conditions evaluated include the following: levels and trends in delinquencies, non-accruals, and criticized loans; trends in volume and terms of loans; effects of any changes in lending policies and credit quality underwriting standards; experience, ability, and depth of management; national and economic trends and conditions; changes in the quality of the loan review system; concentrations of credit risk; changes in collateral value; and large loan risk. The total possible qualitative allocation is determined by comparing peer bank historical charge-off rates to the Bank’s historical charge-off rate. The actual qualitative allocation is determined by qualitative factor by loan type based on metrics that management believes are appropriate indicators of whether the Bank is in a low, moderate, or high risk range relative to historical experience for each qualitative factor. Foreclosed Real Estate Foreclosed real estate is initially recorded at the lower of carrying or fair value (net of costs of disposal) at the date of foreclosure. Costs relating to development and improvement of property are capitalized, whereas costs relating to the holding of property are expensed. Assessments are periodically performed by management, and an allowance for losses is established through a charge to operations if the carrying value of a property exceeds fair value. The Company held no foreclosed real estate at December 31, 2015 or December 31, 2014. Insurance Commissions and Fees Commission revenue is recognized as of the effective date of the insurance policy or the date the customer is billed, whichever is later. The Company also receives contingent commissions from insurance companies which are based on the overall profitability of their relationship based primarily on the loss experience of the insurance placed by the Company. Contingent commissions from insurance companies are recognized when determinable. Goodwill and Other Intangible Assets The Company accounts for goodwill and other intangible assets in accordance with ASC Topic 350, "Intangibles – Goodwill and Other." The Company records the excess of the cost of acquired entities over the fair value of identifiable tangible and intangible assets acquired, less liabilities assumed, as goodwill. The Company amortizes acquired intangible assets with definite useful economic lives over their useful economic lives utilizing the straight-line method. On a periodic basis, management assesses whether events or changes in circumstances indicate that the carrying amounts of the intangible assets may be impaired. The Company does not amortize goodwill and any acquired intangible asset with an indefinite useful economic life, but reviews them for impairment at a reporting unit level on an annual basis, or when events or changes in circumstances indicate that the carrying amounts may be impaired. A reporting unit is defined as any distinct, separately identifiable component of one of our operating segments for which complete, discrete financial information is available and reviewed regularly by the segment’s management. The only reporting unit with goodwill as of December 31, 2015 was the insurance agency activities reporting unit. The fair value of the insurance agency activities reporting unit is measured annually as of December 31st utilizing the average of a discounted cash flow model and a market value based on a multiple to earnings before interest, taxes, depreciation, and amortization (“EBITDA”) for similar companies. The calculated value of the insurance agency reporting unit was in excess of the carrying amount at December 31, 2015. A review of the period subsequent to the measurement date is performed to determine if there were any significant adverse changes in operations or events that would alter our determination as of the measurement date. The Company has performed the required goodwill impairment tests and has determined that goodwill was not impaired as of December 31, 2015. Bank-Owned Life Insurance The Bank has purchased insurance on the lives of Company directors and certain members of the Bank's and TEA's management. The policies accumulate asset values to meet future liabilities, including the payment of employee benefits, such as retirement benefits. Increases in the cash surrender value are recorded as other income in the Company’s Consolidated Statements of Income. Properties and Equipment Properties and equipment are stated at cost less accumulated depreciation. Depreciation is computed using the straight-line method over the estimated useful lives of the assets, which range from 3 to 39 years. Impairment losses on properties and equipment are realized if the carrying amount is not recoverable from its undiscounted cash flows and exceeds its fair value in accordance with ASC Topic 360, “Property, Plant, and Equipment.” Income Taxes Income taxes are accounted for under the asset and liability method under ASC Topic 740, “Income Taxes.” Deferred tax assets and liabilities are reflected at currently enacted income tax rates applicable to the periods in which the deferred tax assets or liabilities are expected to be realized or settled. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through income tax expense. Net Income Per Share Net income per common share is determined by dividing net income by the weighted average number of shares outstanding during the period. Diluted earnings per common share is based on increasing the weighted-average number of shares of common stock by the number of shares of common stock that would be issued assuming the exercise of stock options and immediate vesting of restricted shares. Such adjustments to weighted-average number of shares of common stock outstanding are made only when such adjustments are expected to dilute earnings per common share. There were 72,320 , 77,620 , and 49,268 potentially dilutive shares of common stock included in calculating diluted earnings per share for the years ended December 31, 2015, 2014, and 2013, respectively. Potential common shares that would have the effect of increasing diluted earnings per share are considered to be anti-dilutive. In accordance with ASC Topic 260, "Earnings Per Share," these shares were not included in calculating diluted earnings per share. As of December 31, 2015, 2014, and 2013, there were 36 thousand, 9 thousand, and 42 thousand shares, respectively, that are not included in calculating diluted earnings per share because their effect was anti-dilutive. Treasury Stock Repurchases of shares of Evans Bancorp, Inc. stock are recorded at cost as a reduction of shareholders’ equity. Reissuances of shares of treasury stock are recorded at market value. Comprehensive Income Comprehensive income includes both net income and other comprehensive income, including the change in unrealized gains and losses on securities available for sale, and the change in the liability related to pension costs, net of tax. Employee Benefits The Bank maintains a non-contributory, qualified, defined benefit pension plan (the “Pension Plan”) that covered substantially all employees before it was frozen on January 31, 2008. All benefits eligible participants had accrued in the Pension Plan until the freeze date have been retained. Employees have not accrued additional benefits in the Pension Plan from that date. The actuarially determined pension benefit in the form of a life annuity is based on the employee’s combined years of service, age and compensation. The Bank’s policy is to fund the minimum amount required by government regulations. Employees are eligible to receive these benefits at normal retirement age. The Bank maintains a defined contribution 401(k) plan and accrues contributions due under this plan as earned by employees. In addition, the Bank maintains a non-qualified Supplemental Executive Retirement Plan for certain members of senior management, a non-qualified Deferred Compensation Plan for directors and certain members of management, and a non-qualified Executive Incentive Retirement Plan for certain members of management, as described more fully in Note 11 to these Consolidated Financial Statements, “Employee Benefits and Deferred Compensation Plans.” Stock-based Compensation Stock-based compensation expense is recognized over the vesting period of the stock-based grant based on the estimated grant date value of the stock-based compensation that is expected to vest. Information on the determination of the estimated value of stock-based awards used to calculate stock-based compensation expense is included in Note 12 to these Consolidated Financial Statements, “Stock-Based Compensation.” Loss Contingencies Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated. Financial Instruments with Off-Balance Sheet Risk In the ordinary course of business, the Bank has entered into off-balance sheet financial arrangements consisting of commitments to extend credit and standby letters of credit. The Bank has not incurred any losses on its commitments during the past three years and has not recorded a reserve for its commitments. Advertising costs Advertising costs are expensed as incurred. New Accounting Standards The following significant accounting pronouncements became effective for the Company in 2015: Accounting Standards Update (“ASU”) 2014-04, Reclassification of Collateralized Mortgage Loans upon a Troubled Debt Restructuring. The objective of this proposed ASU is to clarify when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, such that all or a portion of the loan should be derecognized and the real estate property recognized. The main provisions would also require additional disclosures regarding the amount of foreclosed residential real estate property held by the creditor and the recorded investments of consumer mortgage loans that are in the process of foreclosure at each interim and annual reporting period. This ASU became effective for the Company on January 1, 2015. The adoption did not have an impact on the Company’s financial statements.

Securities

Securities	12 Months Ended
	Dec. 31, 2015
Securities [Abstract]
Securities	2. SECURITIES The amortized cost of securities and their approximate fair value at December 31 were as follows: 2015 (in thousands) Amortized Unrealized Fair Cost Gains Losses Value Available for Sale: Debt securities: U.S. government agencies $ 21,914 $ 166 $ (234) $ 21,846 States and political subdivisions 36,838 874 (29) 37,683 Total debt securities $ 58,752 $ 1,040 $ (263) $ 59,529 Mortgage-backed securities: FNMA $ 12,312 $ 168 $ (25) $ 12,455 FHLMC 4,629 61 (56) 4,634 GNMA 7,047 82 (61) 7,068 CMO 13,634 24 (203) 13,455 Total mortgage-backed securities $ 37,622 $ 335 $ (345) $ 37,612 Total securities designated as available for sale $ 96,374 $ 1,375 $ (608) $ 97,141 Held to Maturity: Debt securities States and political subdivisions $ 1,617 $ 6 $ (39) $ 1,584 Total securities designated as held to maturity $ 1,617 $ 6 $ (39) $ 1,584 2014 (in thousands) Amortized Unrealized Fair Cost Gains Losses Value Available for Sale: Debt securities: U.S. government agencies $ 26,687 $ 305 $ (275) $ 26,717 States and political subdivisions 30,182 927 (49) 31,060 Total debt securities $ 56,869 $ 1,232 $ (324) $ 57,777 Mortgage-backed securities: FNMA $ 14,653 $ 516 $ (15) $ 15,154 FHLMC 5,901 121 (64) 5,958 GNMA 6,014 143 (27) 6,130 CMO 10,611 42 (139) 10,514 Total mortgage-backed securities $ 37,179 $ 822 $ (245) $ 37,756 Total securities designated as available for sale $ 94,048 $ 2,054 $ (569) $ 95,533 Held to Maturity: Debt securities States and political subdivisions $ 1,599 $ 7 $ (32) $ 1,574 Total securities designated as held to maturity $ 1,599 $ 7 $ (32) $ 1,574 Available for sale securities with a total fair value of $86 million and $69 million were pledged as collateral to secure public deposits and for other purposes required or permitted by law at December 31, 2015 and 2014, respectively. The scheduled maturity of debt and mortgage-backed securities at December 31, 2015 and 2014 is summarized below. All maturity amounts are contractual maturities. Actual maturities may differ from contractual maturities because certain issuers have the right to call or prepay obligations with or without call premiums. 2015 2014 Amortized Estimated Amortized Estimated cost fair value cost fair value (in thousands) (in thousands) Debt securities available for sale: Due in one year or less $ 4,082 $ 4,142 $ 8,172 $ 8,256 Due after one year through five years 29,113 29,448 22,118 22,597 Due after five years through ten years 19,356 19,615 20,517 20,589 Due after ten years 6,201 6,324 6,062 6,335 58,752 59,529 56,869 57,777 Mortgage-backed securities available for sale 37,622 37,612 37,179 37,756 Total available for sale securities $ 96,374 $ 97,141 $ 94,048 $ 95,533 Debt securities held to maturity: Due in one year or less $ 309 $ 308 $ 478 $ 477 Due after one year through five years 374 365 77 78 Due after five years through ten years 828 815 932 914 Due after ten years 106 96 112 105 1,617 1,584 1,599 1,574 Total held to maturity securities $ 1,617 $ 1,584 $ 1,599 $ 1,574 Contractual maturities of the Company’s mortgage-backed securities generally exceed ten years; however, the effective lives may be significantly shorter due to prepayments of the underlying loans and due to the nature of these securities. There were no realized gains and losses from gross sales of securities in 2015, 2014 or 2013. Information regarding unrealized losses within the Company’s available for sale securities at December 31, 2015 and 2014 is summarized below. The securities are primarily U.S. government-guaranteed agency securities or municipal securities. All unrealized losses are considered temporary and related to market interest rate fluctuations. 2015 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (in thousands) Available for Sale: Debt securities: U.S. government agencies $ 4,531 $ (89) $ 5,855 $ (145) $ 10,386 $ (234) States and political subdivisions 3,133 (6) 1,117 (23) 4,250 (29) Total debt securities $ 7,664 $ (95) $ 6,972 $ (168) $ 14,636 $ (263) Mortgage-backed securities: FNMA $ 3,856 $ (25) $ - - $ - $ 3,856 $ (25) FHLMC - - 1,234 (56) 1,234 (56) GNMA 3,480 (55) 471 (6) 3,951 (61) CMO'S 6,677 (89) 3,661 (114) 10,338 (203) Total mortgage-backed securities $ 14,013 $ (169) $ 5,366 $ (176) $ 19,379 $ (345) Held To Maturity: Debt securities: States and political subdivisions $ 626 $ (11) $ 495 $ (28) $ 1,121 $ (39) Total temporarily impaired securities $ 22,303 $ (275) $ 12,833 $ (372) $ 35,136 $ (647) 2014 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (in thousands) Available for Sale: Debt securities: U.S. government agencies $ 3,906 $ (26) $ 7,751 $ (249) $ 11,657 $ (275) States and political subdivisions 4,752 (9) 1,902 (40) 6,654 (49) Total debt securities $ 8,658 $ (35) $ 9,653 $ (289) $ 18,311 $ (324) Mortgage-backed securities: FNMA $ 1,498 $ (10) $ 1,731 - $ (5) $ 3,229 $ (15) FHLMC - - 1,482 (64) 1,482 (64) GNMA - - 2,079 (27) 2,079 (27) CMO'S 1,722 (11) 4,290 (128) 6,012 (139) Total mortgage-backed securities $ 3,220 $ (21) $ 9,582 $ (224) $ 12,802 $ (245) Held To Maturity: Debt securities: States and political subdivisions $ 371 $ (1) $ 556 $ (31) $ 927 $ (32) Total temporarily impaired securities $ 12,249 $ (57) $ 19,791 $ (544) $ 32,040 $ (601) Management has assessed the securities available for sale in an unrealized loss position at December 31, 201 5 and 201 4 and determined the decline in fair value below amortized cost to be temporary. In making this determination, management considered the period of time the securities were in a loss position, the percentage decline in comparison to the securities’ amortized cost, and the financial condition of the issuer (primarily government or government-sponsored enterprises). In addition, management does not intend to sell these securities and it is not more likely than not that we will be required to sell these securities before recovery of their amortized cost. Management believes the decline in fair value is primarily related to market interest rate fluctuations and not to the credit deterioration of the individual issuers. The Company holds no securities backed by sub-prime or Alt-A residential mortgages or commercial mortgages and also does not hold any trust-preferred securities. T he Company did not record any other-than-temporary impairment charges in 201 5, 201 4 , or 2013 . The credit worthiness of the Company’s portfolio is largely reliant on the ability of U.S. government agencies such as the Federal Home Loan Bank (“ FHLB ”) , Federal National Mortgage Association (“FNMA”), and the Federal Home Loan Mortgage Corporation (“FHLMC”), and municipalities throughout New York State to meet their obligations. In addition, dysfunctional markets could materially alter the liquidity, interest rate, and pricing risk of the portfolio. The stable past performance is not a guarantee for similar performance going forward. The Company uses the Federal Home Loan Bank of New York (“FHLBNY”) as its primary source of overnight funds and also has several long-term advances with FHLBNY. At December 31, 2015, the Company had a total of $10.0 million in borrowed funds with FHLBNY. The Company has sufficient collateral in the form of residential real estate loans at FHLBNY. As a member of the Federal Home Loan Bank System, the Bank is required to hold stock in FHLBNY. The Bank held FHLBNY stock with a carrying value of $1.3 million and $1.4 million as of December 31, 201 5 and December 31, 2014, respectively .

Loans And The Allowance For Loa

Loans And The Allowance For Loan Losses	12 Months Ended
	Dec. 31, 2015
Loans And The Allowance For Loan Losses [Abstract]
Loans And The Allowance For Loan Losses	3. LOANS AND THE ALLOWANCE FOR LOAN LOSSES Major categories of loans at December 31, 2015 and 201 4 are summarized as follows: December 31, 2015 December 31, 2014 Mortgage loans on real estate: (in thousands) Residential mortgages $ 103,941 $ 98,374 Commercial and multi-family 399,819 363,252 Construction-Residential 1,546 721 Construction-Commercial 60,892 40,986 Home equities 61,042 59,948 Total real estate loans 627,240 563,281 Commercial and industrial loans 144,330 129,456 Consumer loans 1,596 1,764 Other 139 404 Net deferred loan origination costs 679 759 Total gross loans 773,984 695,664 Allowance for loan losses (12,883) (12,533) Loans, net $ 761,101 $ 683,131 Residential Mortgages : The Company originates adjustable-rate and fixed-rate, one-to-four-family residential real estate loans for the construction, purchase , or refinancing of a mortgage. These loans are collateralized by owner-occupied properties locate d in the Company’s market area and are amortized over a period of 10 to 30 years. Loans on one-to-four-family residential real estate are mostly originated in amounts of no more than 80% of the property’s appraised value or have private mortgage insurance. Mortgage title insurance and hazard ins urance are normally required. Construction loans have a unique risk, because they are secured by an incomplete dwelling. The Bank, in its normal course of business, sells certain residential mortgages which it originates to FNMA. The Company maintains servicing rights on the loans that it sells to FNMA and earns a fee thereon. The Bank determines with each origination of residential real estate loans which desired maturities, within the context of overall maturities in the loan portfolio, p rovide the appropriate mix to optimize the Bank’s ability to absorb the corresponding interest rate risk within the Company’s tolerance ranges. This practice allows the Company to manage interest rate risk, liquidity risk, and credit risk. At December 31, 201 5 and 201 4 , the Company had approximately $77.3 million and $71.6 million , respectively, in unpaid principal balances of loans that it services for FNMA. For the years ended December 31, 201 5 and 201 4 , the Company sold $14.3 million and $15.3 million, respectively, in loans to FNMA and realized gains on those sales of $133 thousand and $203 thousand, respectively. Gains or losses recognized upon the sale of loans are determined on a specific identification basis. The Company had a related asset of approximately $0.6 and $0.5 million for the servicing portfolio rights as of December 31, 201 5 and 201 4, respectively . There were $0.5 million in loans held for sale at December 31, 201 5 compared with $0.4 million loans held for sale at December 31, 201 4 . Loans held for sale are typically in the portfolio for less than a month. As a result, the carrying value approximates fair value. The Company has never been contacted by FNMA to repurchase any loans due to improper documentation or fraud. Due to the lack of foreclosure activity and absence of any ongoing litigation at December 31, 2015 and 2014 , the Company ha d no accrual for loss contingencies or potential costs associated with foreclosure-related activities at those dates . Commercial and Multi-Family Mortgages and Commercial Construction Loans : Commercial real estate loans are made to finance the purchases of real estate with completed structures or in the midst of being constructed. These commercial real estate loans are secured by first liens on the real estate, which may include apartments, hotels, retail stores or plazas, healthcare facilities, and other non-owner-occupied facilities. These loans are generally less risky than commercial and industrial loans, since they are secured by real estate and buildings. The Company offers commercial mortgage loans with up to an 80% LTV ratio for up to 20 years on a variable and fixed rate basis. Many of these mortgage loans either mature or are subject to a rate call after three to five years. The Company’s underwriting analysis includes credit verification, independent appraisals, a review of the borrower's financial condition, and the underlying cash flows. These loans are typically originated in amounts of no more than 80% of the appraised value of the property. Construction loans have a unique risk, because they are secured by an incomplete dwelling. As of December 31, 201 5 , there were $204.8 million in residential and commercial mortgage loans pledged to FHLBNY to serve as collateral for borrowings. Home Equities : The Company originates home equity lines of credit and second mortgage loans (loans secured by a second lien position on one-to-four-fa mily residential real estate). These loans carry a higher risk than fi rst mortgage residential loans because they are in a second po sition with respect to collateral. Risk is reduced through underwriting criteria, which include credit verification, appraisals, a review of the borrower's financial condi tion, and personal cash flows. A security interest, with title insurance when necessary, is taken in the underlying real estate. Commercial and Industrial Loans: These loans generally include t erm loans and lines of credit. Such loans are made available to businesses for working capital (including inventory and receivables), business expansion (including acquisition of real estate, expansion , and improvements) and equipment purchases. As a general practice, a collateral lien is placed on equipment or other assets owned by the borrower. These loans generally carry a higher risk than commercial real estate loans based on the nature of the underlying collateral, which can be business assets such as equipment and accounts receivable. To reduce the risk, management also attempts to secure real estate as collateral and obtain persona l guarantees of the borrowers. To further reduce risk and enhance liquidity, these loans generally carry variable rates of interest, re-pricing in three - to five -year periods, and have a maturity of five years or less. Lines of credit generally carry fl oating rates of interest (e.g. prime plus a margin). Consumer Loans : The Company funds a variety of consumer loans, including direct automobile loans, recreational vehicle l oans, boat loans , home improvement loans, and personal loans (collateralized and uncollateralized). Most of these loans carry a fixed rate of interest with principal repayment terms typically ranging up to five years, based upon the nature of the collateral and the size of the loan. The majority of consumer loans are underwritten on a secured basis using the underlying collateral being financed. A minimal amount of loans are unsecured, which carry a higher risk of loss. Other Loans : These loans included $0.2 million at December 31, 201 5 and $0.1 million at December 31, 2014 of overdrawn deposit accounts classified as loans. Net loan commitment fees are deferred and accreted or amortized into net interest income on a straight-line basis over the commitment period. The Company maintains an allowance for loan losses in order to capture the probable losses inherent in its loan portfolio. There is a risk that the Company may experience significant loan losses in 201 6 and beyond which could exceed the allowance for loan losses. This risk is heightened by the current uncertain and adverse economic conditions. If the Company's assumptions and judgments prove to be incorrect or bank regulators require the Company to increase its provision for loan losses or recognize further loan charge-offs, the Company may have to increase its allowance for loan losses or loan charge-offs which could have a material adverse effect on the Company's operating results and financial condition. There can be no assurance that the Company's allowance for loan losses will be adequate to protect the Company against loan losses that it may incur. Changes in the allowance for loan losses for the years ended December 31, 201 5 , 201 4 and 201 3 follow : 2015 2014 2013 (in thousands) Balance, beginning of year $ 12,533 $ 11,503 $ 9,732 Provisions for loan and lease losses 1,216 1,229 1,540 Recoveries 181 863 942 Loans and leases charged-off (1,047) (1,062) (711) Balance, end of year $ 12,883 $ 12,533 $ 11,503 The following tables summarize the allowance for loan losses, as of December 31, 201 5 and 201 4 , respectively, by portfolio segment. The segments presented are at the level management uses to assess and monitor the risk and performance of the portfolio. The Company does not currently consider other factors such as industry and geography in assessing the loan portfolio. 2015 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer ** Residential Mortgages* HELOC Direct Financing Leases Unallocated Total Allowance for loan losses: Beginning balance $ 4,896 $ 5,650 $ 78 $ 941 $ 819 $ - $ 149 $ 12,533 Charge-offs (799) (139) (43) (66) - - - (1,047) Recoveries 126 44 9 2 - - - 181 Provision (Credit) 160 1,580 41 32 (448) - (149) 1,216 Ending balance $ 4,383 $ 7,135 $ 85 $ 909 $ 371 $ - $ - $ 12,883 Allowance for loan losses: Ending balance: Individually evaluated for impairment $ 552 $ 1,146 $ 42 $ 2 $ - $ - $ - $ 1,742 Collectively evaluated for impairment 3,831 5,989 43 907 371 - - 11,141 Total $ 4,383 $ 7,135 $ 85 $ 909 $ 371 $ - $ - $ 12,883 Loans: Ending balance: Individually evaluated for impairment $ 5,322 $ 9,993 $ 42 $ 2,499 $ 1,644 $ - $ - $ 19,500 Collectively evaluated for impairment 139,008 450,718 1,693 102,988 59,398 - - 753,805 Total $ 144,330 $ 460,711 $ 1,735 $ 105,487 $ 61,042 $ - $ - $ 773,305 N ote : Loan balances do not include $679 thousand in net deferred loan origination costs as of December 31, 2015. * includes construction loans ** includes other loans 2014 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer ** Residential Mortgages* HELOC Direct Financing Leases Unallocated Total Allowance for loan and lease losses: Beginning balance $ 4,489 $ 4,912 $ 37 $ 1,038 $ 878 $ - $ 149 $ 11,503 Charge-offs (957) (57) (46) - (2) - - (1,062) Recoveries 574 58 40 18 - 173 - 863 Provision (Credit) 790 737 47 (115) (57) (173) - 1,229 Ending balance $ 4,896 $ 5,650 $ 78 $ 941 $ 819 $ - $ 149 $ 12,533 Allowance for loan and lease losses: Ending balance: Individually evaluated for impairment $ 988 $ 274 $ 48 $ 3 $ - $ - $ - $ 1,313 Collectively evaluated for impairment 3,908 5,376 30 938 819 - 149 11,220 Total $ 4,896 $ 5,650 $ 78 $ 941 $ 819 $ - $ 149 $ 12,533 Loans and leases: Ending balance: Individually evaluated for impairment $ 5,718 $ 5,817 $ 48 $ 2,535 $ 911 $ - $ - $ 15,029 Collectively evaluated for impairment 123,738 398,421 2,120 96,560 59,037 - - 679,876 Total $ 129,456 $ 404,238 $ 2,168 $ 99,095 $ 59,948 $ - $ - $ 694,905 Note : Loan balances do not include $759 thousand in net deferred loan origination costs as of December 31, 2014. * includes construction loans ** includes other loans A description of the Company’s accounting policies and the methodology used to estimate the allowance for loan losses, including a description of the factors considered in determining the allowance for loan losses, such as historical losses and existing economic conditions, is included in Note 1 to the Financial Statements. The following table provides data, at the class level, of credit qual ity indicators of certain loans , as of December 31, 201 5 and 201 4 , respect ivel y: December 31, 2015 (in thousands) Corporate Credit Exposure – By Credit Rating Commercial Real Estate Construction Commercial and Multi-Family Mortgages Total Commercial Real Estate Commercial and Industrial 3 $ 42,383 $ 340,837 $ 383,220 $ 80,379 4 13,098 40,019 53,117 47,509 5 1,224 11,772 12,996 8,973 6 4,187 7,191 11,378 7,350 7 - - - 119 Total $ 60,892 $ 399,819 $ 460,711 $ 144,330 December 31, 2014 (in thousands) Corporate Credit Exposure – By Credit Rating Commercial Real Estate Construction Commercial and Multi-Family Mortgages Total Commercial Real Estate Commercial and Industrial 3 $ 29,421 $ 299,798 $ 329,219 $ 83,789 4 10,492 50,691 61,183 30,223 5 1,073 7,853 8,926 8,662 6 - 4,757 4,757 6,613 7 - 153 153 169 Total $ 40,986 $ 363,252 $ 404,238 $ 129,456 The Company’s risk ratings are monitored by the individual relationship managers and changed as deemed appropriate after receiving updated financial information from the borrowers or deterioration or improvement in the performance of a loan is evident in the customer’s payment history. Each commercial relationship is individually assigned a risk rating. The Company also maintains a loan review process that monitors the management of the Company’s commercial loan portfolio by the relationship managers. The Company’s loan review function reviews at least 40% of the commercial and commerci al mortgage portfolio annually. The Company’s consumer loans, including residential mortgages and home equities, are not individually risk rated or reviewed in the Company’s loan review process. Consumers are not required to provide the Company with updated financial information as differentiated from the requirements for the Company’s commercial customers . Co nsumer loans are also smaller dollar balances. Given the lack of updated information since the initial underwriting of the loan and small size of individual loans, the Company uses the delinquency status as the credit quality indicator for consumer loans. The delinquency table is shown below. The Company does not lend to sub-prime borrowers. Unless the loan is well secured and in the process of collection, all consumer loans that are more than 90 days past due are placed in non-accrual status. Once a consumer loan reaches 6 0 days past due, management orders an appraisal and runs a credit report on the borrower. If the loan is placed in nonaccrual status, an impairment test is performed. The book value of the loan is compared to the collateral value as determined by an independent appraisal, discounted for potential selling costs, appraisal age, or other factors particular to the property or borrower. In order to perform the impairment test, management determines the amount of the senior liens held by other lenders in the cases in which the Company holds a junior lien. When the Company is not in the first lien position, the collateral value is more heavily discounted to account for the increased risk. The following table provides an analysis of the age of the recorded investment in loans that were past due as of December 31, 201 5 and 201 4, respectively : December 31, 2015 (in thousands) Total Past Current Total 90+ Days Non-accruing 30-59 days 60-89 days 90+ days Due Balance Balance Accruing Loans Commercial and industrial $ 160 $ 224 $ 66 $ 450 $ 143,880 $ 144,330 $ 40 $ 5,312 Residential real estate: Residential 822 402 569 1,793 102,148 103,941 - 1,400 Construction - - - - 1,546 1,546 - - Commercial real estate: Commercial 1,919 963 457 3,339 396,480 399,819 457 3,574 Construction - - - - 60,892 60,892 - 4,187 Home equities 253 236 267 756 60,286 61,042 - 1,058 Consumer 8 - - 8 1,588 1,596 - 14 Other - - - - 139 139 - - Total Loans $ 3,162 $ 1,825 $ 1,359 $ 6,346 $ 766,959 $ 773,305 $ 497 $ 15,545 December 31, 2014 (in thousands) Total Past Current Total 90+ Days Non-accruing 30-59 days 60-89 days 90+ days Due Balance Balance Accruing Loans Commercial and industrial $ 153 $ 60 $ 274 $ 487 $ 128,969 $ 129,456 $ - $ 5,500 Residential real estate: Residential 848 158 682 1,688 96,686 98,374 - 1,296 Construction - - - - 721 721 - - Commercial real estate: Commercial 4,201 3,115 513 7,829 355,423 363,252 - 3,162 Construction 8 - 201 209 40,777 40,986 201 - Home equities 594 120 192 906 59,042 59,948 - 415 Consumer 13 1 - 14 1,750 1,764 - 17 Other - - - - 404 404 - - Total Loans $ 5,817 $ 3,454 $ 1,862 $ 11,133 $ 683,772 $ 694,905 $ 201 $ 10,390 The following table provides data, at the class level, of impaired loans : At December 31, 2015 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Foregone Interest Income Recognized With no related allowance recorded: (in thousands) Commercial and industrial $ 1,750 $ 1,811 $ - $ 1,945 $ 58 $ 47 Residential real estate: Residential 2,444 2,555 - 2,474 90 63 Construction - - - - - - Commercial real estate: Commercial 3,888 3,908 - 3,930 27 179 Construction 834 834 - 834 - 31 Home equities 1,644 1,711 - 1,661 40 52 Consumer - - - - - - Other - - - - - - Total impaired loans $ 10,560 $ 10,819 $ - $ 10,844 $ 215 $ 372 At December 31, 2015 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Foregone Interest Income Recognized With a related allowance recorded: (in thousands) Commercial and industrial $ 3,572 $ 3,835 $ 552 $ 3,966 $ 255 $ 9 Residential real estate: Residential 55 55 2 55 1 2 Construction - - - - - - Commercial real estate: Commercial 1,083 1,083 235 1,083 4 42 Construction 4,188 4,201 911 4,188 29 166 Home equities - - - - - - Consumer 42 57 42 45 2 6 Other - - - - - - Total impaired loans $ 8,940 $ 9,231 $ 1,742 $ 9,337 $ 291 $ 225 At December 31, 2015 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Foregone Interest Income Recognized Total: (in thousands) Commercial and industrial $ 5,322 $ 5,646 $ 552 $ 5,911 $ 313 $ 56 Residential real estate: Residential 2,499 2,610 2 2,529 91 65 Construction - - - - - - Commercial real estate: Commercial 4,971 4,991 235 5,013 31 221 Construction 5,022 5,035 911 5,022 29 197 Home equities 1,644 1,711 - 1,661 40 52 Consumer 42 57 42 45 2 6 Other - - - - - - Total impaired loans $ 19,500 $ 20,050 $ 1,742 $ 20,181 $ 506 $ 597 At December 31, 2014 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Foregone Interest Income Recognized With no related allowance recorded: (in thousands) Commercial and industrial $ 1,017 $ 1,022 $ - $ 1,096 $ 9 $ 66 Residential real estate: Residential 2,264 2,435 - 2,271 37 68 Construction - - - - - - Commercial real estate: Commercial 2,103 2,208 - 2,139 33 91 Construction 1,074 1,074 - 1,169 - 44 Home equities 911 950 - 917 17 22 Consumer - - - - - - Other - - - - - - Total impaired loans $ 7,369 $ 7,689 $ - $ 7,592 $ 96 $ 291 At December 31, 2014 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Foregone Interest Income Recognized With a related allowance recorded: (in thousands) Commercial and industrial $ 4,701 $ 4,734 $ 988 $ 4,701 $ 64 $ 234 Residential real estate: Residential 271 285 3 271 20 - Construction - - - - - - Commercial real estate: Commercial 2,640 2,785 274 2,708 96 50 Construction - - - - - - Home equities - - - - - - Consumer 48 60 48 49 5 6 Other - - - - - - Total impaired loans $ 7,660 $ 7,864 $ 1,313 $ 7,729 $ 185 $ 290 At December 31, 2014 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Foregone Interest Income Recognized Total: (in thousands) Commercial and industrial $ 5,718 $ 5,756 $ 988 $ 5,797 $ 73 $ 300 Residential real estate: Residential 2,535 2,720 3 2,542 57 68 Construction - - - - - - Commercial real estate: Commercial 4,743 4,993 274 4,847 129 141 Construction 1,074 1,074 - 1,169 - 44 Home equities 911 950 - 917 17 22 Consumer 48 60 48 49 5 6 Other - - - - - - Total impaired loans $ 15,029 $ 15,553 $ 1,313 $ 15,321 $ 281 $ 581 There were $1 0 . 6 million in impaired loans with no related allowance at December 31, 2015, and $7 . 4 million in impaired loans with no relate d allowance at December 31, 2014 . As management identifies impaired loans that are collateral dependent, new appraisals are ordered to determine the fair value of the collateral. It should also be noted that when estimating the fair value of collateral for the purpose of performing an impairment test, management further reduces the appraised value of the collateral to account for estimated selling or carrying costs, age of the appraisal , if applicable, or any other perceived market or borrower-specific risks to the value of the collate ral. The majority of the interest income in the preceding table was interest income recognized prior to these loans being identified as impaired and placed on non-accrual. The interest income foregone in the preceding table represents interest income that t he Company did not recognize on those loans while they were on non-accrual and impaired. The Bank had no loan commitments to borrowers in non-accrual status at December 31, 201 5 and 201 4 . Troubled debt restructurings (“TDRs”) The Company had $5.8 million in loans that were restructured and deemed to be TDR s at December 31, 201 5 with $1.8 million of those balances in non-accrual status. Any TDR that is placed on non-accrual is not returned to accruing status until the borrower makes timely payments as contracted for at least six months and future collection under the revised terms is probable. All of the restructurings were allowed in an effort to maximize the Company’s ability to collect on loans where borrowers were experiencing financial difficulty. The reserve for a TDR is based upon the present value of the future expected cash flows discounted at the loan’s original effective rate or upon the fair value of the collateral less costs to sell, if the loan is deemed collateral dependent. This reserve methodology is used because all TDR loans are considered impaired. The following table presents the Company’s TDR loans as of December 31, 201 5 , and 201 4 , respectively: December 31, 2015 (in thousands) Total Nonaccruing Accruing Related Allowance Commercial and industrial $ 517 $ 508 $ 9 $ 165 Residential real estate: Residential 1,789 689 1,100 - Construction - - - - Commercial real estate: Commercial and multi-family 1,732 334 1,398 - Construction 834 - 834 - Home equities 867 281 586 - Consumer loans 28 - 28 28 Other - - - - Total troubled restructured loans $ 5,767 $ 1,812 $ 3,955 $ 193 December 31, 2014 (in thousands) Total Nonaccruing Accruing Related Allowance Commercial and industrial $ 492 $ 274 $ 218 $ 173 Residential real estate: Residential 1,833 594 1,239 - Construction - - - - Commercial real estate: Commercial and multi family 2,428 847 1,581 33 Construction 1,074 - 1,074 - Home equities 728 233 495 - Consumer loans 31 - 31 31 Other - - - - Total troubled restructured loans $ 6,586 $ 1,948 $ 4,638 $ 237 The Company’s TDRs have various agreements that involve deferral of principal payments, or interest-only payments, for a period (usually 12 months or less) to allow the customer time to improve cash flow or sell the property. Other common types of concessions leading to the designation of a TDR are lines of credit that are termed out and extensions of maturities at rates that are less than prevailing market rates given the risk profile of the borrower. The following tables show the data for TDR activity by type of concession granted to the borrower during 201 5 and 201 4 : Year ended December 31, 2015 Year ended December 31, 2014 (in thousands) (in thousands) Troubled Debt Restructurings by Type of Concession Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial and Industrial: Deferral of principal 3 541 541 1 $ 16 $ 16 Residential Real Estate & Construction: Extension of maturity - - - 2 615 615 Extension of maturity and interest rate reduction - - - 1 208 208 Commercial Real Estate & Construction: Extension of maturity and interest rate reduction - - - 1 250 250 Home Equities: Extension of maturity - - - 9 592 592 Extension of maturity and interest rate reduction - - - 2 84 84 Combination of concessions 2 166 166 - - - Consumer loans: Interest rate reduction - - - 1 31 31 Other - - - - - - Modifications made to loans in a troubled debt restructuring did not have a material impact on the Company’s net income for t he years ended December 31, 2015 and 201 4 . All of the C&I and commercial real estate TDR s were already considered impaired and sufficiently reserved for prior to being identified as a TDR. The reserve for a TDR loan is based upon the present value of the future expected cash flows discounted at the loan’s original effective interest rate or upon the fair value of the collateral less costs to sell, if the loan is deemed to be collateral dependent. At December 31, 201 5 , there were no commitments to lend additional funds to debtors owing loans or leases whose term s have been modified in TDRs. The general practice of the Bank is to work with borrowers so that they are able to repay their loan in full. If a borrower continues to be delinquent or cannot meet the term s of a TDR and the loan is determined to be uncollectible, the loan will be charged- off to its co llateral value. A loan is considered in default when the loan or lease is 90 days past due or is charged- off. The following table presents loans which were classified as TDR s during the preceding twelve months and which have subsequently defaulted during the twelve month period s ended December 31 , 2015 and 2014, respectively : Year ended December 31, 2015 Year ended December 31, 2014 (in thousands) (in thousands) Troubled Debt Restructurings Number of Recorded Number of Recorded That Subsequently Defaulted Contracts Investment Contracts Investment Commercial and Industrial - - 3 $ 191 Residential Real Estate: Residential - - - - Construction - - - - Commercial Real Estate: Commercial and multi-family - - 1 250 Construction - - - - Home Equities 1 66 1 54 Consumer loans - - - - Other - - - -

Properties And Equipment

Properties And Equipment	12 Months Ended
	Dec. 31, 2015
Properties And Equipment [Abstract]
Properties And Equipment	4. PROPERTIES AND EQUIPMENT Properties and equipment at December 31 were as follows: 2015 2014 (in thousands) Land $ 268 $ 268 Buildings and improvements 12,867 12,088 Construction in progress 271 2 Furniture, fixtures, and equipment 13,444 12,995 26,850 25,353 Less accumulated depreciation (15,799) (15,129) Properties and equipment, net $ 11,051 $ 10,224 Depreciation expense totaled $1.0 million in 2015 and $1.1 in 2014 and 2013.

Other Assets

Other Assets	12 Months Ended
	Dec. 31, 2015
Other Assets [Abstract]
Other Assets	5. OTHER ASSETS Other assets at December 31 were as follows: 2015 2014 (in thousands) Net deferred tax asset $ 6,857 $ 7,661 Accrued interest receivable 2,682 2,417 Prepaid expenses 817 713 Mortgage servicing rights 557 518 Other 2,801 2,674 Total other assets $ 13,714 $ 13,983

Goodwill And Intangible Assets

Goodwill And Intangible Assets	12 Months Ended
	Dec. 31, 2015
Goodwill and Intangible Assets [Abstract]
Goodwill And Intangible Assets	6. GOODWILL AND INTANGIBLE ASSETS The Company had $8.1 million in goodwill as of December 31, 2015 and 2014. The entire amount of goodwill is within the insurance agency activities segment. The Company measures the fair value of the insurance agency reporting unit annually, as of December 31, utilizing the market value and income methods. When using the income method, management considered historical information, the operating budget, and strategic goals in projecting net income and cash flows for the next five years. No impairment was recognized as a result of the goodwill impairment test as of December 31, 2015 and 2014, respectively. Further discussion of the Company’s goodwill impairment testing is included in Note 1. Amortization expense related to intangibles for the years ended December 31, 2015, 2014, and 2013 was $0, $108 thousand, and $221 thousand, respectively.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2015
Deposits [Abstract]
Deposits	7. DEPOSITS Time deposits, with minimum denominations of $100 thousand each, totaled $40.1 million and $47.7 million at December 31, 2015 and 2014, respectively. There were $0.2 million and $0.1 million of overdraft accounts in deposits that were reclassified to loans as of December 31, 2015 and 2014, respectively. At December 31, 2015, the scheduled maturities of all time deposits were as follows: (in thousands) 2016 $ 37,388 2017 18,497 2018 7,723 2019 13,572 2020 and later 19,037 $ 96,217 Some of the Company’s time deposits were obtained through brokered transactions. Brokered time deposits totaled $1.2 million at December 31, 2015 and 2014, respectively.

Borrowed Funds And Junior Subor

Borrowed Funds And Junior Subordinated Debentures	12 Months Ended
	Dec. 31, 2015
Borrowed Funds And Junior Subordinated Debentures [Abstract]
Borrowed Funds And Junior Subordinated Debentures	8. BORROWED FUNDS AND JUNIOR SUBORDINATED DEBENTURES Other borrowings at December 31, 2015 consist of a $10 million advance from the FHLB with a fixed interest rate of 1.73% and matures in 2020 . The Bank has the ability to borrow additional funds from the FHLB based on the available securities or real estate loans that can be used as collateral and to purchase additional federal funds through one of the Bank’s correspondent banks. Given the current collateral available, advances of up to $200 million can be drawn on the FHLB via the Bank’s Overnight Line of Credit Agreement. The Bank also has the ability to purchase up to $14 million in federal funds from its correspondent banks. The amounts and interest rates of other borrowed funds were as follows: Federal Funds Purchased Other Borrowings Total (in thousands) At December 31, 2015 Amount outstanding $ - $ 10,000 $ 10,000 Weighted-average interest rate - % 1.73 % 1.73 % For the year ended December 31, 2015 Highest amount at a monthend $ 17,700 $ 10,000 Daily average amount outstanding $ 2,504 $ 7,151 $ 9,655 Weighted-average interest rate 0.33 % 1.79 % 1.41 % At December 31, 2014 Amount outstanding $ 13,700 $ - $ 13,700 Weighted-average interest rate 0.32 % - % 0.32 % For the year ended December 31, 2014 Highest amount at a monthend $ 13,700 $ 9,000 Daily average amount outstanding $ 3,938 $ 5,000 $ 8,938 Weighted-average interest rate 0.25 % 3.54 % 2.09 % At December 31, 2013 Amount outstanding $ - $ 9,000 $ 9,000 Weighted-average interest rate - % 3.41 % 3.41 % For the year ended December 31, 2013 Highest amount at a monthend $ - $ 10,000 Daily average amount outstanding $ - $ 6,167 $ 6,167 Weighted-average interest rate - % 3.41 % 3.41 % On October 1, 2004 , Evans Capital Trust I, a statutory business trust wholly-owned by the Company (the “Trust”), issued $11.0 million in aggregate principal amount of floating rate preferred capital securities due November 23, 2034 (the “Capital Securities”) classified on the Company’s consolidated balance sheets as Junior Subordinated Debentures. The distribution rate on the Capital Securities of the Trust adjusts quarterly based on changes in the three-month London Interbank Offered Rate (“LIBOR”) and was 3.03% at December 31, 2015. The Capital Securities have a distribution rate of three-month LIBOR plus 2.65% , and the distribution dates are February 23, May 23, August 23, and November 23. The common securities of the Trust (the “Common Securities”) are wholly-owned by the Company and are the only class of the Trust’s securities possessing general voting powers. The Capital Securities represent preferred undivided interests in the assets of the Trust. Under the Federal Reserve Board’s current risk-based capital guidelines, the Capital Securities are includable in the Company’s Tier 1 (Core) capital. The proceeds from the issuances of the Capital Securities and Common Securities were used by the Trust to purchase $11.3 million in aggregate liquidation amount of floating rate junior subordinated deferrable interest debentures (“Junior Subordinated Debentures”) of the Company, due October 1, 2037 , which are comprised of $11.0 million of Capital Securities and $330 thousand of Common Securities. The $330 thousand of Common Securities represent the initial capital contribution of the Company to the Trust, which, in accordance with the provisions of ASC Topic 810 "Consolidation," have not been consolidated and are included in “Other Assets” on the consolidated balance sheet. The Junior Subordinated Debentures represent the sole assets of the Trust, and payments under the Junior Subordinated Debentures are the sole source of cash flow for the Trust. The interest rate payable on the Junior Subordinated Debentures was 3.03% at December 31, 2015. Holders of the Capital Securities receive preferential cumulative cash distributions on each distribution date at the stated distribution rate, unless the Company exercises its right to extend the payment of interest on the Junior Subordinated Debentures for up to twenty quarterly periods, in which case payment of distributions on the respective Capital Securities will be deferred for comparable periods. During an extended interest period, in accordance with terms as defined in the indenture relating to the Capital Securities, the Company may not pay dividends or distributions on, or repurchase, redeem, or acquire any shares of its capital stock. The agreements governing the Capital Securities, in the aggregate, provide a full, irrevocable, and unconditional guarantee by the Company of the payment of distributions on, the redemption of, and any liquidation distribution with respect to the Capital Securities. The obligations under such guarantee and the Capital Securities are subordinate and junior in right of payment to all senior indebtedness of the Company. The Capital Securities will remain outstanding until the Junior Subordinated Debentures are repaid at maturity, are redeemed prior to maturity, or are distributed in liquidation to the Trust. The Capital Securities are mandatorily redeemable in whole, but not in part, upon repayment at the stated maturity dates of the Junior Subordinated Debentures or the earlier redemption of the Junior Subordinated Debentures in whole upon the occurrence of one or more events (“Events”) set forth in the indentures relating to the Capital Securities, and in whole or in part at any time after the stated optional redemption date of November 23, 2009, contemporaneously with the optional redemption of the related Junior Subordinated Debentures in whole or in part. The Junior Subordinated Debentures are redeemable prior to their stated maturity dates at the Company’s option: (i) on or after the stated optional redemption dates, in whole at any time, or in part from time to time; or (ii) in whole, but not in part, at any time within 90 days following the occurrence and during the continuation of one or more of the Events, in each case subject to possible regulatory approval. The redemption price of the Capital Securities and the related Junior Subordinated Debentures upon early redemption would be at the liquidation amount plus accumulated but unpaid distributions.

Securities Sold Under Agreement

Securities Sold Under Agreements To Repurchase	12 Months Ended
	Dec. 31, 2015
Securities Sold Under Agreements To Repurchase [Abstract]
Securities Sold Under Agreements To Repurchase	9. SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE The Bank enters into agreements with customers to sell securities owned by the Bank to the customers and repurchase the identical security, generally within one day. No physical movement of the securities is involved. The customer is informed the securities are held in safekeeping by the Bank on behalf of the customer. The Bank had $ 10.8 million and $ 13.8 million in securities sold under agreement to repurchase at December 31, 2015 and 2014, respectively.

Comprehensive Income (Loss)

Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2015
Comprehensive Income (Loss) [Abstract]
Comprehensive Income (Loss)	10. COMPREHENSIVE INCOME (LOSS) The following tables display the components of other comprehensive income (loss), net of tax: Balance at December 31, 2014 Net Change Balance at December 31, 2015 (in thousands) Net unrealized gain (loss) on investment securities $ 911 $ (436) $ 475 Net defined benefit pension plan adjustments (2,419) 134 (2,285) Total $ (1,508) $ (302) $ (1,810) Balance at December 31, 2013 Net Change Balance at December 31, 2014 (in thousands) Net unrealized gain on investment securities $ 191 $ 720 $ 911 Net defined benefit pension plan adjustments (1,454) (965) (2,419) Total $ (1,263) $ (245) $ (1,508) Balance at December 31, 2012 Net Change Balance at December 31, 2013 (in thousands) Net unrealized gain (loss) on investment securities $ 2,457 $ (2,266) $ 191 Net defined benefit pension plan adjustments (2,356) 902 (1,454) Total $ 101 $ (1,364) $ (1,263) December 31, 2015 (in thousands) Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Unrealized loss on investment securities: Unrealized gain (loss) on investment securities $ (719) $ 283 $ (436) Reclassification from accumulated other comprehensive income for gains (losses) - - - Net change (719) 283 (436) Defined benefit pension plans adjustments: Net actuarial (loss) gain $ - $ - $ - Reclassifications from accumulated other comprehensive income for gains (losses) Amortization of prior service cost (a) 31 (12) 19 Amortization of actuarial loss (a) 201 (76) 125 Actuarial gains (losses) 5 (15) (10) Net change 237 (103) 134 Other Comprehensive Income (Loss) $ (482) $ 180 $ (302) (a) Included in net periodic pension cost as described in Note 11 – “Employee Benefits and Deferred Compensation Plans” December 31, 2014 (in thousands) Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Unrealized loss on investment securities: Unrealized gain (loss) on investment securities $ 1,173 $ (453) $ 720 Reclassification from accumulated other comprehensive income for gains (losses) - - - Net change 1,173 (453) 720 Defined benefit pension plans adjustments: Net actuarial (loss) gain $ - $ - $ - Reclassifications from accumulated other comprehensive income for gains (losses) Amortization of prior service cost (a) 31 (12) 19 Amortization of actuarial loss (a) 105 (41) 64 Actuarial (losses) gains (1,710) 662 (1,048) Net change (1,574) 609 (965) Other Comprehensive Income (Loss) $ (401) $ 156 $ (245) (a) Included in net periodic pension cost as described in Note 11 – “Employee Benefits and Deferred Compensation Plans ” December 31, 2013 (in thousands) Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Unrealized loss on investment securities: Unrealized (loss) gain on investment securities $ (3,697) $ 1,431 $ (2,266) Reclassification from accumulated other comprehensive income for gains (losses) - - - Net change (3,697) 1,431 (2,266) Defined benefit pension plans adjustments: Net actuarial (loss) gain $ - $ - $ - Reclassifications from accumulated other comprehensive income for gains (losses) Amortization of prior service cost (a) 69 (27) 42 Amortization of actuarial loss (a) 177 (69) 108 Actuarial gains (losses) 1,226 (474) 752 Net change 1,472 (570) 902 Other Comprehensive Income (Loss) $ (2,225) $ 861 $ (1,364) (a) Included in net periodic pension cost as described in Note 11 – “Employee Benefits and Deferred Compensation Plans”

Employee Benefits And Deferred

Employee Benefits And Deferred Compensation Plans	12 Months Ended
	Dec. 31, 2015
Employee Benefits And Deferred Compensation Plans [Abstract]
Employee Benefits And Deferred Compensation Plans	11. EMPLOYEE BENEFITS AND DEFERRED COMPENSATION PLANS Employees’ Pension Plan The Bank has a defined benefit pension plan that covered substantially all employees of the Company and its subsidiaries. The Pension Plan provides benefits that are based on the employees’ compensation and years of service. The Bank uses an actuarial method of amortizing prior service cost and unrecognized net gains or losses which result from actual experience and assumptions being different than those that are projected. The amortization method the Bank uses recognizes the prior service cost and net gains or losses over the average remaining service period of active employees which exceeds the required amortization. The Pension Plan was frozen effective January 31, 2008. Under the freeze, eligible employees will receive the benefits already earned through January 31, 2008 at retirement, but will not be able to accrue any additional benefits. As a result, service cost will no longer be incurred. Selected Financial Information for the Pension Plan is as follows: 12/31/2015 12/31/2014 Change in benefit obligation: (in thousands) Benefit obligation at the beginning of the year $ 5,437 $ 4,395 Service cost - - Interest cost 205 206 Assumption change (61) 976 Actuarial loss (4) 24 Benefits paid (193) (164) Benefit obligation at the end of the year 5,384 5,437 Change in plan assets: Fair value of plan assets at the beginning of year 4,201 4,162 Actual return on plan assets (106) 93 Employer contributions 165 110 Benefits paid (193) (164) Fair value of plan assets at the end of year 4,067 4,201 Funded status $ (1,317) $ (1,236) Amount recognized in the Consolidated Balance Sheets consist of: Accrued benefit liabilities $ (1,317) $ (1,236) Amount recognized in the Accumulated Other Comprehensive Loss consists of: Net actuarial loss $ 2,390 $ 2,112 Prior service cost - - Net amount recognized in equity - pre-tax $ 2,390 $ 2,112 Net amount recognized on Consolidated Balance Sheets in Other Liabilities $ 1,073 $ 876 Accumulated benefit obligation at year end $ 5,384 $ 5,437 Valuations of the Pension Plan as shown above were conducted as of December 31, 2015 and 2014 (i.e. the measurement date). Assumptions used by the Bank in the determination of Pension Plan information consisted of the following: 2015 2014 2013 Discount rate for projected benefit obligation 4.17 % 3.83 % 4.78 % Discount rate for net periodic pension cost 3.83 % 4.78 % 3.88 % Rate of increase in compensation levels - % - % - % Expected long-term rate of return of plan assets 7.50 % 7.50 % 7.50 % The components of net periodic benefit cost consisted of the following: 2015 2014 2013 (in thousands) Service cost $ - $ - $ - Interest cost 205 206 192 Expected return on plan assets (308) (307) (260) Net amortization and deferral 71 22 65 Net periodic benefit cost $ (32) $ (79) $ (3) The estimated amounts to be amortized from accumulated other comprehensive loss into net periodic cost in 2016 for amortization of actuarial loss will be $88 thousand. The expected long-term rate of return on Pension Plan assets assumption was determined based on historical returns earned by equity and fixed income securities, adjusted to reflect future return expectations based on plan targeted asset allocation. Equity and fixed income securities were assumed to earn returns in the ranges of 9% to 10% and 5% to 6% , respectively. When these overall return expectations are applied to the Pension Plan’s targeted allocation, the expected rate of return is determined to be 7.50% , which is within the range of expected return. The Company’s management will continue to evaluate its actuarial assumptions, including the expected rate of return, at least annually, and will adjust as necessary. The weighted average asset allocation of the Pension Plan at December 31, 2015 and 2014, the Pension Plan measurement date, was as follows: Asset Category: 2015 2014 Equity mutual funds 73.51 % 77.80 % Fixed income mutual funds 18.64 % 19.30 % Cash/Short-term investments 7.85 % 2.90 % 100.00 % 100.00 % The investment objective of the fixed-income portfolio is current income consistent with preserving investment principal. The investment objective of the equity portfolio is long-term capital appreciation. Equity holdings are diversified among various industries, countries and market capitalizations. The Plan’s targeted long-term asset allocation under normal market conditions will be approximate 60% - 80% in equities and 20% - 40% in fixed income securities. This allocation is consistent with the Company’s goal of diversifying the Pension Plan assets in order to preserve capital while achieving investment results that will contribute to the proper funding of pension obligations and cash flow requirements. Securities markets were challenging across the globe and across asset classes in 2015. Diversification of the portfolio was of little help in managing the down side during a volatile year with little return to be found outside minor gains in real estate, short term fixed income and domestic large cap equity. These helped to offset losses in small and mid-cap equities, emerging market equities, and a drop in commodity prices driven by a slowing global economy especially outside the US. The portfolio's asset allocation remained very close to last year with a small decrease in equities, slight decrease in fixed income and an increase in cash holdings. Given the continued historically low interest rates and the first increase in Fed Funds after many years of accommodating monetary policy, fixed income assets remain allocated to low duration investments and cash. The Company’s investment manager regularly reviews the Pension Plan’s asset allocation and periodically rebalances its investments to the targeted allocation when considered appropriate. The Company contributed $165 thousand to the Pension Plan in 2015 and estimates that it will contribute another $140 thousand to the Pension Plan in 2016. The major categories of assets in the Bank’s Pension Plan as of year-end are presented in the following table. Assets are segregated according to their investment objective by the level of the valuation inputs within the fair value hierarchy established by ASC Topic 820 utilized to measure fair value (see Note 19 – Fair Value of Financial Instruments). 2015 2014 (in thousands) Level 1: Cash $ 44 $ - Mutual funds: Short-term investments: Money market 275 121 Equities: Small cap 375 402 Real estate 234 241 International large cap 757 818 Emerging markets 388 480 Currency 177 195 Commodity 35 51 Bonds 394 413 Bank loans 187 202 Exchange -traded funds (ETFs): Large cap 844 890 Mid cap 357 388 $ 4,067 $ 4,201 The mutual funds and ETFs are actively traded with market quotes available on at least a daily basis. Therefore, they are Level 1 assets. The discount rate utilized by the Company for determining future pension obligations is based on a review of long-term bonds that receive one of the two highest ratings given by a recognized rating agency. The discount rate determined on this basis increased from 3.83% at December 31, 2014 to 4.17% at December 31, 2015 for the Company's Pension Plan. Expected benefit payments under the Pension Plan over the next ten years at December 31, 2015 are as follows: (in thousands) 2016 $ 201 2017 199 2018 208 2019 208 2020 207 Year 2021 - 2025 1,416 Supplemental Executive Retirement Plans The Bank also maintains a non-qualified supplemental executive retirement plan (the “SERP”) covering certain members of the Company’s senior management. The SERP was amended during 2003 to provide a benefit based on a percentage of final average earnings, as opposed to the fixed benefit that was provided for in the superseded plan. On April 8, 2010, the Compensation Committee of the Board of Directors of the Company approved the adoption of the Evans Bank, N.A. Supplemental Executive Retirement Plan for Senior Executives (“the Senior Executive SERP”). The “old” SERP plan will keep its participants at the time of the creation of the Senior Executive SERP, but any future executives identified by the Board of Directors as eligible for SERP benefits will participate in the Senior Executive SERP. A participant is generally entitled to receive a benefit under the Senior Executive SERP upon a termination of employment, other than for “cause”, after the participant has completed 10 full calendar years of service with the Bank. No benefit is payable under the Senior Executive SERP if the participant’s employment is terminated for “cause” or if the participant voluntarily terminates before completing 10 full calendar years of service with the Bank. In addition, the payment of benefits under the Senior Executive SERP is conditioned upon certain agreements of the participant related to confidentiality, cooperation, non-competition, and non-solicitation. A participant will be entitled to a retirement benefit under the Senior Executive SERP if his or her employment with the Bank terminates other than for “cause”. The “accrued benefit” is based on a percentage of the participant’s final average earnings, which is determined based upon the participant’s total annual compensation over the highest consecutive five calendar years of the participant’s employment with the Bank, accrued over the participant’s “required benefit service”. The percentages and years of service requirements are set forth in each participant’s Participation Agreement, and range from 25% to 35% and from 15 to 20 years. The obligations related to the two SERP plans are indirectly funded by various life insurance contracts naming the Bank as beneficiary. The Bank has also indirectly funded the SERPs, as well as other benefits provided to other employees through bank-owned life insurance. The Bank uses an actuarial method of amortizing unrecognized net gains or losses which result from actual experience and assumptions being different than those that are projected. The amortization method the Bank is using recognizes the net gains or losses over the average remaining service period of active employees, which exceeds the required amortization. Selected financial information for the two SERP plans is as follows: 12/31/2015 12/31/2014 Change in benefit obligation: (in thousands) Benefit obligation at the beginning of the year $ 4,555 $ 3,923 Service cost 194 168 Interest cost 146 159 Actuarial (gain) loss (354) 497 Benefits paid (192) (192) Benefit obligation at the end of the year 4,349 4,555 Change in plan assets: Fair value of plan assets at the beginning of year - - Actual return on plan assets - - Employer contributions 192 192 Benefits paid (192) (192) Fair value of plan assets at the end of year - - Funded status $ (4,349) $ (4,555) Amount recognized in the Consolidated Balance Sheets consist of: Accrued benefit liabilities $ (4,349) $ (4,555) Amount recognized in the Accumulated Other Comprehensive Loss consists of: Net actuarial loss $ 1,117 $ 1,601 Prior service cost 218 249 Net amount recognized in equity - pre-tax $ 1,335 $ 1,850 Net amount recognized on Consolidated Balance Sheets in Other Liabilities $ (3,014) $ (2,705) Accumulated benefit obligation at year end $ 3,876 $ 3,944 Valuations of the SERP liability, as shown above, were conducted as of December 31, 2015 and 2014. Assumptions used by the Bank in both years in the determination of SERP information consisted of the following: 2015 2014 2013 Discount rate for projected benefit obligation 3.38 % 3.30 % 4.15 % Discount rate for net periodic pension cost 3.30 % 4.15 % 3.17 % Salary scale 3.50 % 3.50 % 3.50 % The discount rate utilized by the Company for determining future pension obligations is based on a review of long-term bonds that receive one of the two highest ratings given by a recognized rating agency. The discount rate determined on this basis increased from 3.30% at December 31, 2014 to 3.38% at December 31, 2015 (i.e. the measurement date) for the SERP. The components of net periodic benefit cost consisted of the following: 2015 2014 2013 (in thousands) Service cost $ 194 $ 168 $ 165 Interest cost 146 159 125 Net amortization and deferral 161 115 180 Settlement charge - - 105 Net periodic benefit cost $ 501 $ 442 $ 575 The settlement charge in 2013 reflects the impact of a lump-sum payout on current net periodic benefit cost, which required immediate recognition of actuarial losses associated with that portion of the obligation in earnings. The estimated amounts to be amortized from accumulated other comprehensive loss into net periodic benefit cost in 2016 for prior service costs and actuarial loss will be $31 thousand and $136 thousand, respectively. Expected benefit payments under the SERP over the next ten years at December 31, 2015 are as follows: (in thousands) 2016 $ 193 2017 193 2018 193 2019 2,192 2020 193 Year 2021 - 2025 1,495 Other Compensation Plans The Company also maintains a non-qualified deferred compensation plan for non-employee directors. Expenses under this plan were approximately $6 thousand in 2015, $9 thousand in 2014, and $12 thousand in 2013. The estimated present value of the benefit obligation included in other liabilities was $0.1 million at December 31, 2015 and $0.1 million at December 31, 2014. This obligation is indirectly funded by life insurance contracts naming the Bank as beneficiary. The increase in cash surrender value is included in other non-interest income on the Consolidated Statements of Income. The Company has a non-qualified deferred compensation plan whereby directors and certain officers may defer a portion of their base pre-tax compensation. Additionally, the Company has a non-qualified executive incentive retirement plan, whereby the Company defers on behalf of certain officers a portion of their base compensation until retirement or termination of service, subject to certain vesting arrangements. Expense under these plans was approximately $105 thousand in 2015, $210 thousand in 2014, and $248 thousand in 2013. The benefit obligation, included in other liabilities in the Company’s consolidated balance sheets, was $2.2 million and $2.0 million at December 31, 2015 and 2014, respectively. These benefit plans are indirectly funded by bank-owned life insurance contracts with a total aggregate cash surrender value of approximately $21.0 million and $20.4 million at December 31, 2015 and 2014, respectively. Increases in cash surrender value are included in other non-interest income on the Company’s Consolidated Statements of Income. Endorsement split-dollar life insurance benefits have also been provided to directors and certain officers of the Bank and its subsidiaries during employment. The Bank also has a defined contribution retirement and thrift 401(k) Plan (the “401(k) Plan”) for its employees who meet certain length of service and age requirements. The provisions of the 401(k) Plan allow eligible employees to contribute a portion of their annual salary, up to the IRS statutory limit. Effective January 1, 2011, the 401(k) plan implemented a Qualified Automatic Contribution Arrangement (“QACA”). This arrangement features automatic deferred contributions with annual escalation, a QACA matching contribution, and an additional matching contribution. In addition, employees are no longer required to complete one year of service prior to receiving matching contributions. Employees vest in employer contributions over six years. The Company’s expense under the 401(k) Plan was approximately $751 thousand, $719 thousand, and $629 thousand for the years ended December 31, 2015, 2014, and 2013, respectively.

Stock-Based Compensation

Stock-Based Compensation	12 Months Ended
	Dec. 31, 2015
Stock-Based Compensation [Abstract]
Stock-Based Compensation	12. STOCK-BASED COMPENSATION At December 31, 2015, the Company had two stock-based compensation plans, which are described below. The Company accounts for the fair value of its grants under these plans in accordance with ASC Topic 718, “Compensation – Stock Compensation”. The compensation cost charged against income for those plans was $318 thousand, $293 thousand, and $280 thousand for 2015, 2014, and 2013, respectively, and is included in “Salaries and Employee Benefits” in the Company’s Consolidated Statements of Income. All stock option and restricted stock expense is recorded on a straight-line basis over the expected vesting term. In addition, expenses for director options and restricted stock was recognized to reflect $106 thousand, $83 thousand, and $72 thousand in 2015, 2014, and 2013, respectively, as part of “Other” expense in the Company’s Consolidated Statements of Income. 2009 Long-Term Equity Incentive Plan Under the Company’s 2009 Long-Term Equity Incentive Plan (the “2009 Plan”) and, prior to the adoption of the 2009 Plan by shareholders in April 2009, under the Company’s 1999 Employee Stock Option and Long-Term Incentive Plan (the “1999 Plan” and together with the 2009 Plan, the “Equity Plans”), the Company has granted options or restricted stock to officers, directors and key employees of the Company and its subsidiaries. Under the Equity Plans, the Company was authorized to issue up to 629,796 shares of common stock. Under the Equity Plans, the exercise price of each option is not to be less than 100% of the market price of the Company’s stock on the date of grant and an option’s maximum term is ten years. If available, the Company normally issues shares out of its treasury for any options exercised or restricted shares issued. The options have vesting schedules from 12 months through 5 years. At December 31, 2015, there were a total of 201,899 shares available for grant under the 2009 Plan. The Company may no longer make grants under the 1999 Plan. The fair value of each option grant is estimated on the date of grant using the Black-Scholes option-pricing model with the following weighted-average assumptions: 2015 2014 2013 Dividend Yield 2.93 % 2.70 % 2.72 % Expected Life (years) 6.36 6.36 6.36 Expected Volatility 19.62 % 20.76 % 20.58 % Risk-free Interest Rate 1.90 % 2.11 % 1.16 % Weighted Average Fair Value $ 3.49 $ 3.64 $ 2.48 The Company used historical volatility calculated using daily closing prices for its common stock over periods that match the expected term of the option granted to estimate the expected volatility. The risk-free interest rate assumption was based upon U.S. Treasury yields appropriate for the expected term of the Company's stock options based upon the date of grant. The expected dividend yield was based upon the Company's recent history of paying dividends. The expected life was based upon the options’ expected vesting schedule and historical exercise patterns. Stock options activity for 2015 was as follows: Options Weighted Average Exercise Price Weighted Average Remaining Contractual Term (years) Aggregate Intrinsic Value (in thousands) Balance, December 31, 2014 236,692 $ 16.17 Granted 38,630 24.72 Exercised (48,849) 16.57 Expired (2,950) 21.91 Forfeited (9,228) 21.80 Balance, December 31, 2015 214,295 $ 17.30 5.95 $ 1,597 Exercisable, December 31, 2015 141,761 $ 14.90 4.74 $ 1,395 Future compensation cost expected to be expensed over the weighted average remaining contractual term for remaining outstanding options is $168 thousand. The unrecognized compensation cost is scheduled to be recognized as follows: (in thousands) 2016 $ 72 2017 54 2018 36 2019 6 Restricted stock award activity for 2015 was as follows: Shares Weighted Average Grant Date Fair Value Balance, December 31, 2014 28,508 $ 19.07 Granted 20,942 24.48 Vested (12,151) 19.27 Forfeited (3,609) 22.62 Balance, December 31, 2015 33,690 $ 21.98 As of December 31, 2015, there was $506 thousand in unrecognized compensation cost related to restricted share-based compensation arrangements granted under the Equity Plans. The unrecognized compensation cost is scheduled to be recognized as follows: (in thousands) 2016 $ 213 2017 164 2018 110 2019 19 During fiscal years 2015, 2014, and 2013, the following activity occurred under the Company’s plans: 2015 2014 2013 (in thousands) Total intrinsic value of stock options exercised $ 409 $ 287 $ 30 Total fair value of restricted stock awards vested $ 287 $ 273 $ 136 Employee Stock Purchase Plan The Company also maintains the Evans Bancorp, Inc. Employee Stock Purchase Plan (the “Purchase Plan”). As of December 31, 2015, there were 133,150 shares of common stock available to issue to full-time employees of the Company and its subsidiaries, nearly all of whom are eligible to participate. Under the terms of the Purchase Plan, employees can choose each year to have up to 15% of their annual base earnings withheld to purchase the Company’s common stock. The Company grants options on January 1 and July 1 of each year during the term of the Purchase Plan. The purchase price of the stock is 85% of the lower of its price on the grant date or the exercise date. Under the Purchase Plan, the Company issued 10,574 , 12,821 , and 13,455 shares to employees in 2015, 2014, and 2013, respectively. Compensation cost is recognized for the fair value of the employees’ purchase rights, which was estimated using the Black-Scholes model with the following assumptions: 2015 2014 2013 Dividend Yield 3.01 % 2.95 % 3.00 % Expected Life (years) 0.50 0.50 0.50 Expected Volatility 16.47 % 22.41 % 14.21 % Risk-free Interest Rate 0.19 % 0.08 % 0.11 % Weighted Average Fair Value $ 6.92 $ 6.56 $ 4.80 The compensation cost that has been charged against income for the Purchase Plan was $71 thousand, $89 thousand, and $67 thousand for 2015, 2014, and 2013, respectively.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2015
Income Taxes [Abstract]
Income Taxes	13. INCOME TAXES The components of the provision for income taxes were as follows: 2015 2014 2013 (in thousands) Current federal tax expense $ 2,784 $ 2,282 $ 2,184 Current state tax expense (benefit) 3 (118) (81) Total current tax expense 2,787 2,164 2,103 Deferred federal tax expense (benefit) $ 435 $ (215) $ 316 Deferred state tax expense (benefit) 545 (1,245) (688) Total deferred tax expense (benefit) 980 (1,460) (372) Total income tax provision $ 3,767 $ 704 $ 1,731 The Company’s provision for income taxes differs from the amounts computed by applying the federal income tax statutory rates to income before income taxes. A reconciliation of the differences is as follows: 2015 2014 2013 Amount Percent Amount Percent Amount Percent (in thousands) Tax provision at statutory rate $ 3,947 34 % $ 3,023 34 % $ 3,257 34 % Change in taxes resulting from: Tax-exempt income (617) (5) (558) (6) (564) (6) Historic tax credit - - (996) (11) (559) (6) State taxes, net of federal benefit 362 3 (899) (10) (508) (5) Other items, net 75 - 134 1 105 1 Income tax provision $ 3,767 32 % $ 704 8 % $ 1,731 18 % At December 31, 2015 and 2014 the components of the net deferred tax asset were as follows: 2015 2014 (in thousands) Deferred tax assets: Pension premiums $ 2,148 $ 2,213 Allowance for loan and lease losses 4,826 4,690 Non accrued interest - 239 Deferred compensation 956 1,040 Litigation accrual 204 374 Loss on investment in tax credit 452 513 Stock options granted 134 129 Net operating loss carryforward 62 88 Historic tax credit carryforward 980 1,196 Leases 156 156 Gross deferred tax assets $ 9,918 $ 10,638 Deferred tax liabilities: Depreciation and amortization $ 1,806 $ 1,398 Prepaid expenses 459 438 Net unrealized gains on securities 291 569 Acquisition-related adjustments - 24 Mortgage servicing asset 212 198 Other - 29 Gross deferred tax liabilities $ 2,768 $ 2,656 Valuation allowance (293) (321) Net deferred tax asset $ 6,857 $ 7,661 The net deferred tax asset at December 31, 2015 and 2014 is included in “other assets” in the Company’s consolidated balance sheets. In assessing the ability of the Company to realize the benefit of the deferred tax assets, management considers whether it is more likely than not that some portion or all of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible. Management considers the scheduled reversal of deferred tax liabilities, availability of operating loss carrybacks, projected future taxable income, and tax planning strategies in making this assessment. Based upon the level of historical taxable income, the opportunity for net operating loss carrybacks, and projections for future taxable income over the periods which deferred tax assets are deductible, management believes it is more likely than not the Company will generate sufficient taxable income to realize the benefits of these deductible differences at December 31, 2015, except for a valuation allowance of $293 thousand on the net deferred tax asset for an investment in a historic tax credit of $452 thousand. In assessing the need for a valuation allowance for the deferred tax assets for the investments in the historic tax credit investments, the Bank considered all positive and negative evidence in assessing whether the weight of available evidence supports the recognition of some or all of the deferred tax assets related to these investments. Because of the tax nature of the loss to be recognized when the investment is ultimately sold (which for tax purposes will give rise to a capital loss for both historic tax credit investments), the Bank does not have any known capital gains in the future to be able to utilize the capital losses from these investments. Therefore, the Bank’s assessment of the deferred tax asset warrants the need for a valuation allowance to be recognized on the deferred tax asset that it determined is more-likely-than-not to not be realized. The amount of remaining capital loss includes the projected capital basis after taking tax credit, expected losses, and cash distributions. The state historic tax credit carryforward has an indefinite life with no expiration date in which to utilize the credit. A reconciliation of the Company’s unrecognized tax benefits for the years ended December 31, 2015, 2014, and 2013 is as follows: 2015 2014 2013 (in thousands) Balance at beginning of year $ - $ - $ 21 Reclassification from deferred taxes for tax position taken during a period - - - Increases related to tax positions taken during a prior period - - - Decrease due to the resolution of a prior year tax matter - - (21) Decreases related to settlements with taxing authorities - - - Balance at end of year $ - $ - $ - The entire balance of unrecognized tax benefits was accrued in Other Liabilities on the Company’s Consolidated Balance Sheet. There were no accrued penalties and interest at December 31, 2015, 2014 and 2013. The Company is subject to routine audits of its tax returns by the Internal Revenue Service (“IRS”) and various state taxing authorities. During 2012, New York State (“NYS”) concluded an audit of ENL covering the years 2008-2010. During 2010, the Company concluded a NYS audit covering the years 2005-2007 and an IRS audit covering the years 2006-2008. Th ese audits concluded with no material adverse findings. The tax years 2011 - 2013 for NYS and 2011 - 2013 for the IRS remain subject to examination. In addition, ENL is no longer subject to state income tax examinations by the majority of state tax authorities for all years before 2010.

Other Liabilities

Other Liabilities	12 Months Ended
	Dec. 31, 2015
Other Liabilities [Abstract]
Other Liabilities	14. OTHER LIABILITIES Other liabilities at December 31 were as follows: 2015 2014 (in thousands) Retirement compensation liabilities $ 7,986 $ 8,316 Accounts payable 2,803 2,995 Historic tax credit investment 911 2,014 Litigation accrual 538 1,000 Interest payable 160 232 Other 320 21 Total other liabilities $ 12,718 $ 14,578

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2015
Related Party Transactions [Abstract]
Related Party Transactions	15. RELATED PARTY TRANSACTIONS The Bank has entered into loan transactions with certain directors, significant shareholders and their affiliates (related parties) in the ordinary course of its business. The aggregate outstanding principal balance of loans to such related parties on December 31, 2015 and 2014 was $4.3 million and $3.8 million, respectively. During 2015, there were $6.5 million of advances and new loans to such related parties, and repayments amounted to $5.9 million. Terms of these loans have prevailing market pricing that would be offered to a similar customer base. Deposits from related parties were $4.0 million and $1.9 million as of December 31, 2015 and 2014 , respectively .

Contingent Liabilities And Comm

Contingent Liabilities And Commitments	12 Months Ended
	Dec. 31, 2015
Contingent Liabilities And Commitments [Abstract]
Contingent Liabilities And Commitments	16. CONTINGENT LIABILITIES AND COMMITMENTS The Company’s consolidated financial statements do not reflect various commitments and contingent liabilities which arise in the normal course of business and which involve elements of credit risk, interest rate risk, and liquidity risk. These commitments and contingent liabilities are commitments to extend credit and standby letters of credit. A summary of the Bank’s commitments and contingent liabilities at December 31, 2015 and 2014 is as follows: December 31, December 31, 2015 2014 (in thousands) Commitments to extend credit $ 206,346 $ 212,193 Standby letters of credit 3,794 2,430 Total $ 210,140 $ 214,623 Commitments to extend credit and standby letters of credit all include exposure to some credit loss in the event of non-performance of the customer. The Bank’s credit policies and procedures for credit commitments and financial guarantees are the same as those for extensions of credit that are recorded on the Consolidated Balance Sheets. Because these instruments have fixed maturity dates, and because they may expire without being drawn upon, they do not necessarily represent cash requirements to the Bank. The Bank has not incurred any losses on its commitments during the past three years and has not recorded a reserve for its commitments. The Company has entered into contracts with third parties, some of which include indemnification clauses. Examples of such contracts include contracts with third-party service providers, brokers and dealers, correspondent banks, and purchasers of residential mortgages. Additionally, the Company has bylaws, policies, and agreements under which it agrees to indemnify its officers and directors from liability for certain events or occurrences while the directors or officers are, or were, serving at the Company’s request in such capacities. The Company indemnifies its officers and directors to the fullest extent allowed by law. The maximum potential amount of future payments that the Company could be required to make under these indemnification provisions is unlimited, but would be affected by all relevant defenses to such claims, as well as directors’ and officers’ liability insurance maintained by the Company. Due to the nature of these indemnification provisions, it is not possible to quantify the aggregate exposure to the Company resulting from them. The Company leases certain offices, land and equipment under long-term operating leases. The aggregate minimum annual rental commitments under these leases total approximately $632 thousand in 2016; $639 thousand in 2017; $658 thousand in 2018; $640 thousand in 2019; $595 thousand in 2020, and $3.6 million thereafter. The rental expense under operating leases contained in the Company’s Consolidated Statements of Income included $645 thousand, $644 thousand, and $684 thousand, in 2015, 2014, and 2013, respectively.

Concentrations Of Credit

Concentrations Of Credit	12 Months Ended
	Dec. 31, 2015
Concentrations Of Credit [Abstract]
Concentrations Of Credit	17. CONCENTRATIONS OF CREDIT All of the Bank’s loans, commitments, and standby letters of credit have been granted to customers in the Bank’s primary market area, which is Western New York. Investments in state and municipal securities also involve governmental entities within the Bank’s primary market area. The concentrations of credit by type of loan are set forth in Note 3 to these Consolidated Financial Statements, "Loans and the Allowance for Loan Losses." The distribution of commitments to extend credit approximates the distribution of loans outstanding. Standby letters of credit were granted primarily to commercial borrowers. The Bank, as a matter of policy, does not extend credit to any single borrower or group in excess of 15% of capital.

Segment Information

Segment Information	12 Months Ended
	Dec. 31, 2015
Segment Information [Abstract]
Segment Information	18. SEGMENT INFORMATION The Company is comprised of two primary business segments: banking activities and insurance agency activities. The operating segments are separately managed and their performance is evaluated based on net income. The banking business segment includes both commercial and consumer banking services, including a wide array of lending and depository services. The insurance agency segment includes the activities of selling various premium-based insurance policies on a commission basis, including business and personal insurance, surety bonds, risk management, life, disability and long-term care coverage, as well as providing claims adjusting services to various insurance companies and offering non-deposit investment products, such as annuities and mutual funds. All sources of segment specific revenues and expenses contributed to management’s definition of net income. Revenues from transactions between the two segments are not significant. The accounting policies of the segments are the same as those described in Note 1 of these “Notes to Consolidated Financial Statements.” The following tables set forth information regarding these segments for the years ended December 31, 2015, 2014, and 2013. 2015 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income (expense) $ 31,921 $ (117) $ 31,804 Provision for loan losses 1,216 - 1,216 Net interest income (expense) after provision for loan losses 30,705 (117) 30,588 Non-interest income 6,526 - 6,526 Insurance service and fees 672 6,522 7,194 Amortization expense - - - Non-interest expense 28,103 4,595 32,698 Income before income taxes 9,800 1,810 11,610 Income tax provision 3,071 696 3,767 Net income $ 6,729 $ 1,114 $ 7,843 2014 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income (expense) $ 31,214 $ (115) $ 31,099 Provision for loan losses 1,229 - 1,229 Net interest income (expense) after provision for loan losses 29,985 (115) 29,870 Non-interest income 3,142 - 3,142 Insurance service and fees 591 6,540 7,131 Amortization expense - 108 108 Non-interest expense 26,875 4,269 31,144 Income before income taxes 6,843 2,048 8,891 Income tax provision (85) 789 704 Net income $ 6,928 $ 1,259 $ 8,187 2013 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income (expense) $ 28,463 $ (116) $ 28,347 Provision for loan losses 1,540 - 1,540 Net interest income (expense) after provision for loan losses 26,923 (116) 26,807 Non-interest income 4,950 - 4,950 Insurance service and fees 518 6,693 7,211 Amortization expense - 221 221 Non-interest expense 24,792 4,367 29,159 Income before income taxes 7,599 1,989 9,588 Income tax provision 1,022 709 1,731 Net income $ 6,577 $ 1,280 $ 7,857 December 31, December 31, 2015 2014 (in thousands) Identifiable Assets, Net Banking activities $ 929,998 $ 837,928 Insurance agency activities 9,109 8,881 Consolidated Total Assets $ 939,107 $ 846,809

Fair Value Of Financial Instrum

Fair Value Of Financial Instruments	12 Months Ended
	Dec. 31, 2015
Fair Value Of Financial Instruments [Abstract]
Fair Value Of Financial Instruments	19. FAIR VALUE OF FINANCIAL INSTRUMENTS Fair value is defined in ASC Topic 820 “Fair Value Measurements and Disclosures” as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. There are three levels of inputs to fair value measurements: · Level 1 inputs are quoted prices for identical instruments in active markets; · Level 2 inputs are inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly; and · Level 3 inputs are unobservable inputs. Observable market data should be used when available. FINANCIAL INSTRUMENTS MEASURED AT FAIR VALUE ON A RECURRING BASIS The following table presents for each of the fair-value hierarchy levels as defined in this footnote, those financial instruments which are measured at fair value on a recurring basis at December 31, 2015 and 2014: (in thousands) Level 1 Level 2 Level 3 Fair Value December 31, 2015 Securities available-for-sale: U.S. government agencies $ - $ 21,846 $ - $ 21,846 States and political subdivisions - 37,683 - 37,683 Mortgage-backed securities - 37,612 - 37,612 Mortgage servicing rights - - 557 557 December 31, 2014 Securities available-for-sale: U.S. government agencies $ - $ 26,717 $ - $ 26,717 States and political subdivisions - 31,060 - 31,060 Mortgage-backed securities - 37,756 - 37,756 Mortgage servicing rights - - 518 518 Securities available for sale Fair values for available for sale securities are determined using independent pricing services and market-participating brokers. The Company utilizes a third-party for these pricing services. The third-party utilizes evaluated pricing models that vary by asset class and incorporate available trade, bid and other market information for structured securities, cash flow and, when available, loan performance data. Because many fixed income securities do not trade on a daily basis, the third-party service provider’s evaluated pricing applications apply information as applicable through processes, such as benchmarking of like securities, sector groupings, and matrix pricing, to prepare evaluations. In addition, our third-party pricing service provider uses model processes, such as the Option Adjusted Spread model, to assess interest rate impact and develop prepayment scenarios. The models and the process take into account market convention. For each asset class, a team of evaluators gathers information from market sources and integrates relevant credit information, perceived market movements and sector news into the evaluated pricing applications and models. The third-party, at times, may determine that it does not have sufficient verifiable information to value a particular security. In these cases the Company will utilize valuations from another pricing service. Management believes that it has a sufficient understanding of the third-party service’s valuation models, assumptions and inputs used in determining the fair value of securities to enable management to maintain an appropriate system of internal control. On a quarterly basis the Company reviews changes, as submitted by our third-party pricing service provider, in the market value of its securities portfolio. Individual changes in valuations are reviewed for consistency with general interest rate movements and any known credit concerns for specific securities. Additionally, on an annual basis the Company has its entire securities portfolio priced by a second pricing service to determine consistency with another market evaluator. If, on the Company’s review or in comparing with another servicer, a material difference between pricing evaluations were to exist, the Company may submit an inquiry to our third-party pricing service provider regarding the data used to value a particular security. If the Company determines it has market information that would support a different valuation than our third-party service provider’s evaluation it can submit a challenge for a change to that security’s valuation. There were no material differences in valuations noted in 2015 or 2014. Securities available for sale are classified as Level 2 in the fair value hierarchy as the valuation provided by the third-party provider uses observable market data. Mortgage servicing rights Mortgage servicing rights (“MSRs”) do not trade in an active, open market with readily observable prices. Accordingly, the Company obtains the fair value of the MSRs using a third-party pricing provider. The provider determines the fair value by discounting projected net servicing cash flows of the remaining servicing portfolio. The valuation model used by the provider considers market loan prepayment predictions and other economic factors. The fair value of MSRs is mostly affected by changes in mortgage interest rates since rate changes cause the loan prepayment acceleration factors to increase or decrease. All assumptions are market driven. Management has a sufficient understanding of the third-party service’s valuation models, assumptions and inputs used in determining the fair value of MSRs to enable management to maintain an appropriate system of internal control. Mortgage servicing rights are classified within Level 3 of the fair value hierarchy as the valuation is model driven and primarily based on unobservable inputs. The following table summarizes the changes in fair value for items measured at fair value (Level 3) on a recurring basis using significant unobservable inputs during the year ended December 31, 2015: (in thousands) 2015 2014 2013 Mortgage servicing rights - January 1 $ 518 $ 509 $ 467 Gains (losses) included in earnings (93) (134) 34 Additions from loan sales 132 143 8 Mortgage servicing rights - December 31 $ 557 $ 518 $ 509 Quantitative information about the significant unobservable inputs used in the fair value measurement of MSRs at the respective dates is as follows: 12/31/2015 12/31/2014 Servicing fees 0.25 % 0.25 % Discount rate 9.52 % 9.52 % Prepayment rate (CPR) 8.55 % 9.28 % FINANCIAL INSTRUMENTS MEASURED AT FAIR VALUE ON A NONRECURRING BASIS The Company is required, on a nonrecurring basis, to adjust the carrying value of certain assets or provide valuation allowances related to certain assets using fair value measurements. The following table presents for each of the fair-value hierarchy levels as defined in this footnote, those financial instruments which are measured at fair value on a nonrecurring basis at December 31, 2015 and 2014: (in thousands) Level 1 Level 2 Level 3 Fair Value December 31, 2015 Impaired loans $ - - 17,758 $ 17,758 December 31, 2014 Impaired loans $ - - 13,716 $ 13,716 Impaired loans The Company evaluates and values impaired loans at the time the loan is identified as impaired, and the fair values of such loans are estimated using Level 3 inputs in the fair value hierarchy. Each loan’s collateral value has a unique appraisal and management’s discount of the value is based on factors unique to each impaired loan. The significant unobservable input in determining the fair value is management’s subjective discount on appraisals of the collateral securing the loan, which ranges from 10% - 50% . Fair value is estimated based on the value of the collateral securing these loans. Collateral may consist of real estate and/or business assets including equipment, inventory and/or accounts receivable and the value of these assets is determined based on appraisals by qualified licensed appraisers hired by the Company. Appraised and reported values may be discounted based on management’s historical knowledge, changes in market conditions from the time of valuation, estimated costs to sell, and/or management’s expertise and knowledge of the client and the client’s business. The Company has an appraisal policy in which appraisals are obtained upon a commercial loan being downgraded on the Company internal loan rating scale to a 5 (special mention) or a 6 (substandard) depending on the amount of the loan, the type of loan, and the type of collateral. All impaired commercial loans are either graded a 6 or 7 on the internal loan rating scale, unless the commercial loan is impaired due to a troubled debt restructure and is now performing. For consumer loans, the Company obtains appraisals when a loan becomes 60 days past due or is determined to be impaired, whichever occurs first. Subsequent to the downgrade or reaching 60 days past due, if the loan remains outstanding and impaired for at least one year more, management may require another follow-up appraisal. Between receipts of updated appraisals, if necessary, management may perform an internal valuation based on any known changing conditions in the marketplace such as sales of similar properties, a change in the condition of the collateral, or feedback from local appraisers. Impaired loans had a gross value of $19.5 million, with a valuation allowance of $1.7 million, at December 31, 2015, compared to a gross value for impaired loans of $15.0 million, with a valuation allowance of $1.3 million, at December 31, 2014. At December 31, 2015 and 2014, the estimated fair values of the Company’s financial instruments, including those that are not measured and reported at fair value on a recurring basis or nonrecurring basis, were as follows: December 31, 2015 December 31, 2014 Carrying Fair Carrying Fair Amount Value Amount Value (in thousands) (in thousands) Financial assets: Level 1: Cash and cash equivalents $ 22,621 $ 22,621 $ 10,898 $ 10,898 Level 2: Available for sale securities 97,141 97,141 95,533 95,533 FHLB and FRB stock 2,783 2,783 2,925 2,925 Level 3: Held to maturity securities 1,617 1,584 1,599 1,574 Loans, net 761,101 772,472 683,131 685,148 Mortgage servicing rights 557 557 518 518 Financial liabilities: Level 1: Demand deposits $ 183,098 $ 183,098 $ 158,631 $ 158,631 NOW deposits 83,674 83,674 72,670 72,670 Regular savings deposits 439,993 439,993 363,542 363,542 Commitments to extend credit 150 150 245 245 Securities sold under agreement to repurchase 10,821 10,821 13,778 13,778 Level 2: Other borrowed funds 10,000 9,874 13,700 13,700 Junior subordinated debentures 11,330 11,330 11,330 11,330 Level 3: Time deposits 96,217 96,975 112,792 113,854 The following methods and assumptions were used to estimate the fair value of each class of financial instruments for which it is practicable to estimate that value. Cash and Cash Equivalents For these short-term instruments, the carrying amount is a reasonable estimate of fair value. “Cash and Cash Equivalents” includes cash and due from banks and interest-bearing deposits at other banks. Securities Held to Maturity The Company holds certain municipal bonds as held-to-maturity. These bonds are generally small in dollar amount and are issued only by certain local municipalities within the Company’s market area. The original terms are negotiated directly and on an individual basis consistent with our loan and credit guidelines. These bonds are not traded on the open market and management intends to hold the bonds to maturity. The fair value of held-to-maturity securities is estimated by discounting the future cash flows using the current rates at which similar agreements would be made with municipalities with similar credit ratings and for the same remaining maturities. FHLB and FRB stock The carrying value of FHLB and FRB stock approximates fair value. Loans Receivable The fair value of fixed rate 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, net of the appropriate portion of the allowance for loan losses. For variable rate loans, the carrying amount is a reasonable estimate of fair value. This fair value calculation is not necessarily indicative of the exit price, as defined in ASC Topic 820. Deposits The fair value of demand deposits, NOW accounts, muni-vest accounts and regular savings accounts is the amount payable on demand at the reporting date. The fair value of time deposits is estimated using the rates currently offered for deposits of similar remaining maturities. Borrowed Funds and Securities Sold Under Agreement to Repurchase The fair value of securities sold under agreement to repurchase approximates its carrying value. The fair value of other borrowed funds was estimated using a discounted cash flow analysis based on the Company’s current incremental borrowing rates for similar types of borrowing arrangements. Junior Subordinated Debentures There is no active market for the Company’s debentures. The fair value of the junior subordinated debentures is determined using an expected present value technique. The fair value of adjustable-rate debentures approximates their face amount. Commitments to extend credit and standby letters of credit As described in Note 16 - “Contingent Liabilities and Commitments” to these Consolidated Financial Statements, the Company was a party to financial instruments with off-balance sheet risk at December 31, 2015 and December 31, 2014. Such financial instruments consist of commitments to extend permanent financing and letters of credit. If the options are exercised by the prospective borrowers, these financial instruments will become interest-earning assets of the Company. If the options expire, the Company retains any fees paid by the counterparty in order to obtain the commitment or guarantee. The fees collected for these commitments are recorded as “unearned commitment fees” in Other Liabilities. The carrying value approximates the fair value. Pension Plan Assets Refer to Note 11 to these Consolidated Financial Statements, “Employee Benefits and Deferred Compensation Plans” for the fair value analysis of the Pension Plan assets.

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2015
Regulatory Matters [Abstract]
Regulatory Matters	20. REGULATORY MATTERS The Company is subject to the dividend restrictions imposed by the FRB and the OCC. Under such restrictions, the Company may not, without the prior approval of the FRB and the OCC, declare dividends in excess of the sum of the current year’s earnings (as defined in FRB regulations) plus the retained earnings (as defined in FRB regulations) from the prior two years. Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table that follows) of Common Equity Tier I, total, and Tier I capital (as defined in FRB regulations) to risk-weighted assets (as defined in FRB regulations), and of Tier I capital (as defined in FRB regulations) to average assets (as defined in FRB regulations). Management believes that as of December 31, 2015 and 2014, the Company and the Bank met all capital adequacy requirements to which they are subject. The most recent notification from their regulators categorized the Company and the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Company and the Bank must maintain minimum Common Equity Tier I, total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the Company’s or Bank’s category rating. The Company’s and the Bank’s actual capital amounts and ratios were as follows: December 31, 2015 (in thousands) Company Bank Minimum for Capital Adequacy Purposes Minimum to be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio Common Equity Tier I (to Risk Weighted Assets) $ 96,100 11.8 % $ 93,688 11.5 % $ 36,598 4.5 % $ 52,864 6.5 % Total Risk-Based Capital (to Risk Weighted Assets) $ 106,307 13.1 % $ 103,886 12.8 % $ 65,062 8.0 % $ 81,328 10.0 % Tier I Capital (to Risk Weighted Assets) $ 96,100 11.8 % $ 93,688 11.5 % $ 48,797 6.0 % $ 65,062 8.0 % Tier I Capital (to Average Assets) $ 96,100 10.5 % $ 93,688 10.2 % $ 36,801 4.0 % $ 46,001 5.0 % Dividends are paid as declared by the Board of Directors. The Company may pay dividends only if it is solvent and would not be rendered insolvent by the dividend payment and only from unrestricted and unreserved earned surplus and under some circumstances capital surplus. The Bank’s dividend restrictions apply indirectly to the Company since cash available for dividend distribution will initially come from dividends paid to the Company by the Bank. Dividends may be paid by the Bank only if it would not impair the Bank’s capital structure, if the Bank’s surplus is at least equal to its common capital and if the dividends declared in any year do not exceed the total of net profits in that year combined with undivided profits of the preceding two years less any required transfers to surplus, and if no losses have been sustained equal to or exceeding its undivided profits. In addition, federal regulators have the ability to restrict dividend payments. If the Bank or the Company approaches well-capitalized or minimum capital adequacy levels, regulators could restrict or forbid dividend payments.

Parent Company Only Financial I

Parent Company Only Financial Information	12 Months Ended
	Dec. 31, 2015
Parent Company Only Financial Information [Abstract]
Parent Company Only Financial Information	21. PARENT COMPANY ONLY FINANCIAL INFORMATION Parent company (Evans Bancorp, Inc.) only condensed financial information is as follows: CONDENSED BALANCE SHEETS December 31, 2015 2014 (in thousands) ASSETS Cash $ 1,030 $ 3,258 Other assets 1,411 1,144 Investment in subsidiaries 103,309 95,689 Total assets $ 105,750 $ 100,091 LIABILITIES AND STOCKHOLDERS’ EQUITY LIABILITIES: Junior subordinated debentures $ 11,330 $ 11,330 Other liabilities 3,164 2,973 Total liabilities 14,494 14,303 STOCKHOLDERS’ EQUITY Total Stockholders’ Equity $ 91,256 $ 85,788 Total liabilities and stockholders’ equity $ 105,750 $ 100,091 CONDENSED STATEMENTS OF INCOME December 31, 2015 2014 2013 (in thousands) Dividends from subsidiaries $ 2,000 $ 7,000 $ 2,614 Expenses (1,387) (1,363) (1,364) Income before equity in undistributed earnings of subsidiaries 613 5,637 1,250 Equity in undistributed earnings of subsidiaries 7,230 2,550 6,607 Net income 7,843 8,187 7,857 Other comprehensive income - - - Comprehensive income $ 7,843 $ 8,187 $ 7,857 CONDENSED STATEMENTS OF CASH FLOWS Year Ended 2015 2014 2013 (in thousands) Operating Activities: Net income $ 7,843 $ 8,187 $ 7,857 Adjustments to reconcile net income to net cash provided by operating activities: Undistributed earnings of subsidiaries (7,230) (2,550) (6,607) Changes in assets and liabilities affecting cash flow: Other assets (267) (89) (187) Other liabilities 191 1,563 (23) Net cash provided by operating activities 537 7,111 1,040 Investing Activities: Investment in subsidiaries - - - Net cash used in investing activities - - - Financing Activities: Proceeds from issuance of common stock - - - Cash dividends paid (2,765) (2,471) (1,077) Purchase of Treasury stock - (1,436) - Net cash used in financing activities (2,765) (3,907) (1,077) Net increase (decrease) in cash (2,228) 3,204 (37) Cash beginning of year 3,258 54 91 Cash ending of year $ 1,030 $ 3,258 $ 54

Selected Quarterly Financial Da

Selected Quarterly Financial Data	12 Months Ended
	Dec. 31, 2015
Selected Quarterly Financial Data [Abstract]
Selected Quarterly Financial Data	22. SELECTED QUARTERLY FINANCIAL DATA - UNAUDITED 4th Quarter 3rd Quarter 2nd Quarter 1st Quarter (in thousands, except for per share data) 2015 Interest Income $ 9,437 $ 9,099 $ 8,636 $ 8,456 Interest Expense 1,001 960 988 875 Net Interest Income $ 8,436 $ 8,139 $ 7,648 $ 7,581 Net Income $ 1,754 $ 2,509 $ 1,675 $ 1,905 Earnings per share basic 0.41 0.59 0.40 0.45 Earnings per share diluted 0.41 0.58 0.39 0.44 2014 Interest Income $ 9,327 $ 8,576 $ 8,592 $ 8,219 Interest Expense 887 899 910 921 Net Interest Income $ 8,440 $ 7,677 $ 7,682 $ 7,298 Net Income $ 2,306 $ 2,290 $ 1,579 $ 2,012 Earnings per share basic 0.55 0.55 0.38 0.48 Earnings per share diluted 0.54 0.54 0.37 0.47

Organization And Summary Of S31

Organization And Summary Of Significant Accounting Policies (Policy)	12 Months Ended
	Dec. 31, 2015
Organization And Summary Of Significant Accounting Policies [Abstract]
Organization And General	Organization and General Evans Bancorp, Inc. (the “Company”) was organized as a New York business corporation and incorporated under the laws of the State of New York on October 28, 1988 for the purpose of becoming a bank holding company. Through August 2004, the Company was registered with the Federal Reserve Board (“FRB”) as a bank holding company under the Bank Holding Company Act of 1956, as amended. In August 2004, the Company filed for, and was approved as, a Financial Holding Company under the Bank Holding Company Act. The Company currently conducts its business through its two subsidiaries: Evans Bank, N.A. (the “Bank”), a nationally chartered bank, and its subsidiaries, Suchak Data Systems, LLC (“SDS”), Evans National Leasing, Inc. (“ENL”) and Evans National Holding Corp. (“ENHC”); and Evans National Financial Services, LLC (“ENFS”) and its subsidiary, The Evans Agency LLC (“TEA”). Unless the context otherwise requires, the term “Company” refers collectively to Evans Bancorp, Inc. and its subsidiaries. The Company conducts its business through its subsidiaries. It does not engage in any other substantial business.
Regulatory Requirements	Regulatory Requirements The Company is subject to the rules, regulations, and reporting requirements of various regulatory bodies, including the FRB, the Federal Deposit Insurance Corporation (“FDIC”), the Office of the Comptroller of the Currency (“OCC”), and the SEC.
Principles Of Consolidation	Principles of Consolidation The consolidated financial statements include the accounts of the Company, the Bank, ENFS and their subsidiaries. All material inter-company accounts and transactions are eliminated in consolidation.
Accounting Estimates	Accounting Estimates Management has made a number of estimates and assumptions relating to the reporting of assets and liabilities and disclosure of contingent assets and liabilities in order to prepare these consolidated financial statements in conformity with U.S. generally accepted accounting principles. The estimates and assumptions that management deems to be critical involve our accounting policies relating to the determination of our allowance for loan losses and the valuation of goodwill. These estimates and assumptions are based on management’s best estimates and judgment and management evaluates them on an ongoing basis using historical experience and other factors, including the current economic environment, which management believes to be reasonable under the circumstances. We adjust our estimates and assumptions when facts and circumstances dictate. The current economic recession increases the uncertainty inherent in our estimates and assumptions. As future events cannot be determined with precision, actual results could differ significantly from our estimates. Changes in those estimates resulting from continuing changes in the economic environment will be reflected in the consolidated financial statements in periods as they occur.
Cash And Cash Equivalents	Cash and Cash Equivalents For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks and interest-bearing deposits at banks.
Securities	Securities Securities which the Bank has the positive intent and ability to hold to maturity are classified as held to maturity and are stated at cost, adjusted for discounts and premiums that are recognized in interest income over the period to the earlier of the call date or maturity using the level yield method. These securities represent debt issuances of local municipalities in the Bank’s market area for which market prices are not readily available. Management periodically evaluates the financial condition of the municipalities to see if there is any cause for impairment in their bonds. Securities classified as available for sale are stated at fair value with unrealized gains and losses excluded from earnings and reported, net of deferred income taxes, in accumulated other comprehensive income or loss, a component of stockholders’ equity. Gains and losses on sales of securities are computed using the specific identification method. Securities which experience an other-than-temporary decline in fair value are written down to a new cost basis with the amount of the write-down, due to credit problems, included in earnings as a realized loss. The new cost basis is not changed for subsequent recoveries in fair value. Factors which management considers in determining whether an impairment in value of an investment is other than temporary include the period of time the securities were in a loss position, management’s intent and ability to hold securities until fair values recover to amortized cost or if it is considered more likely than not that the Company will have to sell the security, the extent to which fair value is less than amortized cost, the issuer’s financial performance and near term prospects, the financial condition and prospects for the issuer’s geographic region and industry, and recoveries or declines in fair value subsequent to the balance sheet date. There were no charges associated with other-than-temporary impairment declines in fair value of securities in 2015, 2014, or 2013. The Bank does not engage in securities trading activities.
Loans	Loans Loans that management has the intent and ability to hold for the foreseeable future, or until maturity or pay-off, generally are reported at their outstanding unpaid principal balances adjusted for unamortized deferred fees or costs. Interest income is accrued on the unpaid principal balance and is recognized using the interest method. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the effective yield method of accounting. Loans become past due when the payment date has been missed. If payment has not been received within 30 days, then the loan is delinquent. Delinquent loans are placed into three categories; 30-59 days past due, 60-89 days past due, or 90+ days past due. Loans 90 or more days past due are considered non-performing. The accrual of interest on loans is discontinued at the time the loan is 90 days delinquent, unless the credit is well secured and in process of collection. If the credit is not well secured and in the process of collection, the loan is placed on non-accrual status and is subject to charge-off if collection of principal or interest is considered doubtful. A loan can also be placed on nonaccrual before it is 90 days delinquent if management determines that it is probable that the Bank will be unable to collect principal or interest due according to the contractual terms of the loan. All interest due but not collected for loans that are placed on non-accrual status or charged off is reversed against interest income. The interest on these loans is accounted for on the cost-recovery method, until it again qualifies for an accrual basis. Any cash receipts on non-accrual loans reduce the carrying value of the loans. Loans are returned to accrual status when all principal and interest amounts contractually due are brought current, the adverse circumstances which resulted in the delinquent payment status are resolved, and payments are made in a timely manner for a period of time sufficient to reasonably assure their future dependability. The Bank considers a loan impaired when, based on current information and events, it is probable that it will be unable to collect principal or interest due according to the contractual terms of the loan. These loans are individually assessed for any impairment. Loan impairment is measured based on the present value of expected cash flows discounted at the loan’s effective interest rate or, as a practical expedient, at the loan’s observable market price or the fair value of the collateral, less costs to sell, if the loan is collateral dependent. Appraised and reported values may be discounted based on management’s historical knowledge, changes in market conditions from the time of valuation, estimated costs to sell, and/or management’s expertise and knowledge of the client and the client’s business. The Company has an appraisal policy in which appraisals are obtained upon a loan being downgraded on the Company’s internal loan rating scale to a 5 (special mention) or a 6 (substandard) depending on the amount of the loan, the type of loan and the type of collateral. All impaired loans are either graded a 6 or 7 on the internal loan rating scale. Subsequent to the downgrade, if the loan remains outstanding and impaired for at least one year more, management may require another follow-up appraisal. Between receipts of updated appraisals, if necessary, management may perform an internal valuation based on any known changing conditions in the marketplace such as sales of similar properties, a change in the condition of the collateral, or feedback from local appraisers. Consumer installment loans are collectively evaluated for impairment. Since these loans are not individually identified and evaluated, they are not considered impaired loans. The one exception is for consumer loans that are considered troubled debt restructurings (“TDR”) since all TDR loans are considered impaired. The Bank monitors the credit risk in its loan portfolio by reviewing certain credit quality indicators (“CQI”). The primary CQI for its commercial mortgage and commercial and industrial (“C&I”) portfolios is the individual loan’s credit risk rating. The following list provides a description of the credit risk ratings that are used internally by the Bank when assessing the adequacy of its allowance for loan losses: · 1-3-Pass: Risk Rated 1-3 loans are loans with a slight risk of loss. The loan is secured by collateral of sufficient value to cover the loan by an acceptable margin. The financial statements of the company demonstrate sufficient net worth and repayment ability. The company has established an acceptable credit history with the bank and typically has a proven track record of performance. Management is experienced, and has an at least average ability to manage the company. The industry has an average or less than average susceptibility to wide fluctuations in business cycles. · 4-Watch: Although generally acceptable, a higher degree of risk is evident in these watch credits. Obligor assessment factors may have elements which reflect marginally acceptable conditions warranting more careful review and analysis and monitoring. The obligor’s balance sheet reflects generally acceptable asset quality with some elements weak or marginally acceptable. Liquidity may be somewhat strained, but is at an acceptable level to support operations. Obligor may be fully leveraged with ratios higher than industry averages. High leverage is negatively impacting the company, leaving it vulnerable to adverse change. Inconsistent or declining capability to service existing debt requirements evidenced by debt service coverage temporarily below or near acceptable level. The margin of collateral may be adequate, but declining or fluctuating in value. Company management may be unproven, but capable. Rapid expansion or acquisition may increase leverage or reduce cash flow. Negative industry conditions or weaker management could also be characteristic. Proper consideration should be given to companies in a high growth phase or in development business segments that may not have achieved sustainable earnings. Obligors demonstrate sufficient financial flexibility to react to and positively address the root cause of the adverse financial trends without significant deviations from their current business strategy. The rating is also used for borrowers that have made significant progress in resolving their financial weaknesses. · 5-O.A.E.M. (Other Assets Especially Mentioned): Special Mention (“SM”) – A special mention asset has potential weaknesses that warrant 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. SM assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. SM assets have potential weaknesses that may, if not checked or corrected, weaken the asset or inadequately protect the institution’s position at some future date. These assets pose elevated risk, but their weakness does not yet justify a substandard classification. Borrowers may be experiencing adverse operating trends (declining revenues or margins) or an ill proportioned balance sheet (e.g. increasing inventory without an increase in sales, high leverage, tight liquidity). Adverse economic or market conditions, such as interest rate increases or the entry of a new competitor, may also support a special mention rating. Nonfinancial reasons for rating a credit exposure special mention include management problems, pending litigation, an ineffective loan agreement or other material structural weakness, and any other significant deviation from prudent lending practices. The SM rating is designed to identify a specific level of risk and concern about asset quality. Although an SM asset has a higher profitability of default than a pass asset, its default is not imminent. · 6-Substandard: A substandard asset is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Assets so classified must have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. Substandard assets have a high probability of payment default, or they have other well-defined weaknesses. They require more intensive supervision by Bank management. Substandard assets are generally characterized by current or expected unprofitable operations, inadequate debt service coverage, inadequate liquidity, or marginal capitalization. Repayment may depend on collateral or other credit risk subsidies. For some substandard assets, the likelihood of full collection of interest and principal may be in doubt; such assets should be placed on non-accrual. Although substandard assets in the aggregate will have distinct potential for loss, an individual asset’s loss potential does not have to be distinct for the asset to be rated substandard. These loans are periodically reviewed and tested for impairment. · 7-Doubtful: An asset classified doubtful has all the weaknesses inherent in one classified substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. A doubtful asset has a high probability of total or substantial loss, but because of specific pending events that may strengthen the asset, its classification of loss is deferred. Doubtful borrowers are usually in default, lack adequate liquidity or capital, and lack the resources necessary to remain an operating entity. Pending events can include mergers, acquisitions, liquidations, capital injections, the perfection of liens on additional collateral, the valuation of collateral, and refinancing. Generally, pending events should be resolved within a relatively short period and the ratings will be adjusted based on the new information. Because of high probability of loss, non-accrual accounting treatment is required for doubtful assets. · 8-Loss: Assets classified loss are considered uncollectable and of such little value that their continuance as bankable assets is not warranted. This classification does not mean that the assets have absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be affected in the future. With loss assets, the underlying borrowers are often in bankruptcy, have formally suspended debt repayments, or have otherwise ceased normal business operations. Once an asset is classified loss, there is little prospect of collecting either its principal or interest. When access to collateral, rather than the value of the collateral, is a problem, a less severe classification may be appropriate. Losses are to be recorded in the period an obligation becomes uncollectible. The Company’s consumer loans, including residential mortgages and home equities, are not individually risk rated or reviewed in the Company’s loan review process. Consumers are not required to provide the Company with updated financial information as is a commercial customer. Consumer loans also carry smaller balances. Given the lack of updated information since the initial underwriting of the loan and small size of individual loans, the Company does not have credit risk ratings for consumer loans and instead uses delinquency status as the credit quality indicator for consumer loans. However, once a consumer loan is identified as impaired, it is individually evaluated for impairment.
Allowance For Loan Losses	Allowance for Loan Losses The provision for loan losses represents the amount charged against the Bank’s earnings to maintain an allowance for probable loan losses inherent in the portfolio based on management’s evaluation of the loan portfolio at the balance sheet date. Factors considered by the Bank’s management in establishing the allowance include: the collectability of individual loans, current loan concentrations, charge-off history, loss emergence period, delinquent loan percentages, the fair value of the collateral, input from regulatory agencies, and general economic conditions. On a quarterly basis, management of the Bank meets to review and determine the adequacy of the allowance for loan losses. In making this determination, the Bank’s management analyzes the ultimate collectability of the loans in its portfolio by incorporating feedback provided by the Bank’s internal loan staff, an independent internal loan review function and information provided by examinations performed by regulatory agencies. The analysis of the allowance for loan losses is composed of two components: specific credit allocation and general portfolio allocation. The specific credit allocation includes a detailed review of each impaired loan and allocation is made based on this analysis. Factors may include the appraisal value of the collateral, the age of the appraisal, the type of collateral, the performance of the loan to date, the performance of the borrower’s business based on financial statements, and legal judgments involving the borrower. The general portfolio allocation consists of an assigned reserve percentage based on the historical loss experience, the loss emergence period, and other qualitative factors of the loan category. The general portfolio allocation is segmented into homogeneous pools of loans with similar characteristics. Separate pools of loans include loans pooled by loan grade and by portfolio segment. An average historical loss rate over the past five years multiplied by the loss emergence period factor is applied against loans graded a 5 or worse (“criticized loans”). The same is done for loans that are graded 4 or better (“non-criticized loans”) in separate pools. For both the criticized and non-criticized loan pools in the general portfolio allocation, additional qualitative factors are applied. The qualitative factors applied to the general portfolio allocation reflect management’s evaluation of various conditions. The conditions evaluated include the following: levels and trends in delinquencies, non-accruals, and criticized loans; trends in volume and terms of loans; effects of any changes in lending policies and credit quality underwriting standards; experience, ability, and depth of management; national and economic trends and conditions; changes in the quality of the loan review system; concentrations of credit risk; changes in collateral value; and large loan risk. The total possible qualitative allocation is determined by comparing peer bank historical charge-off rates to the Bank’s historical charge-off rate. The actual qualitative allocation is determined by qualitative factor by loan type based on metrics that management believes are appropriate indicators of whether the Bank is in a low, moderate, or high risk range relative to historical experience for each qualitative factor.
Foreclosed Real Estate	Foreclosed Real Estate Foreclosed real estate is initially recorded at the lower of carrying or fair value (net of costs of disposal) at the date of foreclosure. Costs relating to development and improvement of property are capitalized, whereas costs relating to the holding of property are expensed. Assessments are periodically performed by management, and an allowance for losses is established through a charge to operations if the carrying value of a property exceeds fair value. The Company held no foreclosed real estate at December 31, 2015 or December 31, 2014.
Insurance Commissions And Fees	Insurance Commissions and Fees Commission revenue is recognized as of the effective date of the insurance policy or the date the customer is billed, whichever is later. The Company also receives contingent commissions from insurance companies which are based on the overall profitability of their relationship based primarily on the loss experience of the insurance placed by the Company. Contingent commissions from insurance companies are recognized when determinable.
Goodwill And Other Intangible Assets	Goodwill and Other Intangible Assets The Company accounts for goodwill and other intangible assets in accordance with ASC Topic 350, "Intangibles – Goodwill and Other." The Company records the excess of the cost of acquired entities over the fair value of identifiable tangible and intangible assets acquired, less liabilities assumed, as goodwill. The Company amortizes acquired intangible assets with definite useful economic lives over their useful economic lives utilizing the straight-line method. On a periodic basis, management assesses whether events or changes in circumstances indicate that the carrying amounts of the intangible assets may be impaired. The Company does not amortize goodwill and any acquired intangible asset with an indefinite useful economic life, but reviews them for impairment at a reporting unit level on an annual basis, or when events or changes in circumstances indicate that the carrying amounts may be impaired. A reporting unit is defined as any distinct, separately identifiable component of one of our operating segments for which complete, discrete financial information is available and reviewed regularly by the segment’s management. The only reporting unit with goodwill as of December 31, 2015 was the insurance agency activities reporting unit. The fair value of the insurance agency activities reporting unit is measured annually as of December 31st utilizing the average of a discounted cash flow model and a market value based on a multiple to earnings before interest, taxes, depreciation, and amortization (“EBITDA”) for similar companies. The calculated value of the insurance agency reporting unit was in excess of the carrying amount at December 31, 2015. A review of the period subsequent to the measurement date is performed to determine if there were any significant adverse changes in operations or events that would alter our determination as of the measurement date. The Company has performed the required goodwill impairment tests and has determined that goodwill was not impaired as of December 31, 2015.
Bank-Owned Life Insurance	Bank-Owned Life Insurance The Bank has purchased insurance on the lives of Company directors and certain members of the Bank's and TEA's management. The policies accumulate asset values to meet future liabilities, including the payment of employee benefits, such as retirement benefits. Increases in the cash surrender value are recorded as other income in the Company’s Consolidated Statements of Income.
Properties And Equipment	Properties and Equipment Properties and equipment are stated at cost less accumulated depreciation. Depreciation is computed using the straight-line method over the estimated useful lives of the assets, which range from 3 to 39 years. Impairment losses on properties and equipment are realized if the carrying amount is not recoverable from its undiscounted cash flows and exceeds its fair value in accordance with ASC Topic 360, “Property, Plant, and Equipment.”
Inocme Taxes	Income Taxes Income taxes are accounted for under the asset and liability method under ASC Topic 740, “Income Taxes.” Deferred tax assets and liabilities are reflected at currently enacted income tax rates applicable to the periods in which the deferred tax assets or liabilities are expected to be realized or settled. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through income tax expense.
Net Income Per Share	Net Income Per Share Net income per common share is determined by dividing net income by the weighted average number of shares outstanding during the period. Diluted earnings per common share is based on increasing the weighted-average number of shares of common stock by the number of shares of common stock that would be issued assuming the exercise of stock options and immediate vesting of restricted shares. Such adjustments to weighted-average number of shares of common stock outstanding are made only when such adjustments are expected to dilute earnings per common share. There were 72,320 , 77,620 , and 49,268 potentially dilutive shares of common stock included in calculating diluted earnings per share for the years ended December 31, 2015, 2014, and 2013, respectively. Potential common shares that would have the effect of increasing diluted earnings per share are considered to be anti-dilutive. In accordance with ASC Topic 260, "Earnings Per Share," these shares were not included in calculating diluted earnings per share. As of December 31, 2015, 2014, and 2013, there were 36 thousand, 9 thousand, and 42 thousand shares, respectively, that are not included in calculating diluted earnings per share because their effect was anti-dilutive.
Treasury Stock	Treasury Stock Repurchases of shares of Evans Bancorp, Inc. stock are recorded at cost as a reduction of shareholders’ equity. Reissuances of shares of treasury stock are recorded at market value.
Comprehensive Income	Comprehensive Income Comprehensive income includes both net income and other comprehensive income, including the change in unrealized gains and losses on securities available for sale, and the change in the liability related to pension costs, net of tax.
Employee Benefits	Employee Benefits The Bank maintains a non-contributory, qualified, defined benefit pension plan (the “Pension Plan”) that covered substantially all employees before it was frozen on January 31, 2008. All benefits eligible participants had accrued in the Pension Plan until the freeze date have been retained. Employees have not accrued additional benefits in the Pension Plan from that date. The actuarially determined pension benefit in the form of a life annuity is based on the employee’s combined years of service, age and compensation. The Bank’s policy is to fund the minimum amount required by government regulations. Employees are eligible to receive these benefits at normal retirement age. The Bank maintains a defined contribution 401(k) plan and accrues contributions due under this plan as earned by employees. In addition, the Bank maintains a non-qualified Supplemental Executive Retirement Plan for certain members of senior management, a non-qualified Deferred Compensation Plan for directors and certain members of management, and a non-qualified Executive Incentive Retirement Plan for certain members of management, as described more fully in Note 11 to these Consolidated Financial Statements, “Employee Benefits and Deferred Compensation Plans.”
Stock-Based Compensation	Stock-based Compensation Stock-based compensation expense is recognized over the vesting period of the stock-based grant based on the estimated grant date value of the stock-based compensation that is expected to vest. Information on the determination of the estimated value of stock-based awards used to calculate stock-based compensation expense is included in Note 12 to these Consolidated Financial Statements, “Stock-Based Compensation.”
Loss Contingencies	Loss Contingencies Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated.
Financial Instruments With Off-Balance Sheet Risk	Financial Instruments with Off-Balance Sheet Risk In the ordinary course of business, the Bank has entered into off-balance sheet financial arrangements consisting of commitments to extend credit and standby letters of credit. The Bank has not incurred any losses on its commitments during the past three years and has not recorded a reserve for its commitments.
Advertising Costs	Advertising costs Advertising costs are expensed as incurred.
New Accounting Standards	New Accounting Standards The following significant accounting pronouncements became effective for the Company in 2015: Accounting Standards Update (“ASU”) 2014-04, Reclassification of Collateralized Mortgage Loans upon a Troubled Debt Restructuring. The objective of this proposed ASU is to clarify when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, such that all or a portion of the loan should be derecognized and the real estate property recognized. The main provisions would also require additional disclosures regarding the amount of foreclosed residential real estate property held by the creditor and the recorded investments of consumer mortgage loans that are in the process of foreclosure at each interim and annual reporting period. This ASU became effective for the Company on January 1, 2015. The adoption did not have an impact on the Company’s financial statements.

Securities (Tables)

Securities (Tables)	12 Months Ended
	Dec. 31, 2015
Securities [Abstract]
Schedule Of Amortized Cost And Approximate Fair Value Of Securities	2015 (in thousands) Amortized Unrealized Fair Cost Gains Losses Value Available for Sale: Debt securities: U.S. government agencies $ 21,914 $ 166 $ (234) $ 21,846 States and political subdivisions 36,838 874 (29) 37,683 Total debt securities $ 58,752 $ 1,040 $ (263) $ 59,529 Mortgage-backed securities: FNMA $ 12,312 $ 168 $ (25) $ 12,455 FHLMC 4,629 61 (56) 4,634 GNMA 7,047 82 (61) 7,068 CMO 13,634 24 (203) 13,455 Total mortgage-backed securities $ 37,622 $ 335 $ (345) $ 37,612 Total securities designated as available for sale $ 96,374 $ 1,375 $ (608) $ 97,141 Held to Maturity: Debt securities States and political subdivisions $ 1,617 $ 6 $ (39) $ 1,584 Total securities designated as held to maturity $ 1,617 $ 6 $ (39) $ 1,584 2014 (in thousands) Amortized Unrealized Fair Cost Gains Losses Value Available for Sale: Debt securities: U.S. government agencies $ 26,687 $ 305 $ (275) $ 26,717 States and political subdivisions 30,182 927 (49) 31,060 Total debt securities $ 56,869 $ 1,232 $ (324) $ 57,777 Mortgage-backed securities: FNMA $ 14,653 $ 516 $ (15) $ 15,154 FHLMC 5,901 121 (64) 5,958 GNMA 6,014 143 (27) 6,130 CMO 10,611 42 (139) 10,514 Total mortgage-backed securities $ 37,179 $ 822 $ (245) $ 37,756 Total securities designated as available for sale $ 94,048 $ 2,054 $ (569) $ 95,533 Held to Maturity: Debt securities States and political subdivisions $ 1,599 $ 7 $ (32) $ 1,574 Total securities designated as held to maturity $ 1,599 $ 7 $ (32) $ 1,574
Scheduled Maturities Of Debt And Mortgage-Backed Securities	2015 2014 Amortized Estimated Amortized Estimated cost fair value cost fair value (in thousands) (in thousands) Debt securities available for sale: Due in one year or less $ 4,082 $ 4,142 $ 8,172 $ 8,256 Due after one year through five years 29,113 29,448 22,118 22,597 Due after five years through ten years 19,356 19,615 20,517 20,589 Due after ten years 6,201 6,324 6,062 6,335 58,752 59,529 56,869 57,777 Mortgage-backed securities available for sale 37,622 37,612 37,179 37,756 Total available for sale securities $ 96,374 $ 97,141 $ 94,048 $ 95,533 Debt securities held to maturity: Due in one year or less $ 309 $ 308 $ 478 $ 477 Due after one year through five years 374 365 77 78 Due after five years through ten years 828 815 932 914 Due after ten years 106 96 112 105 1,617 1,584 1,599 1,574 Total held to maturity securities $ 1,617 $ 1,584 $ 1,599 $ 1,574
Unrealized Losses On Securities	2015 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (in thousands) Available for Sale: Debt securities: U.S. government agencies $ 4,531 $ (89) $ 5,855 $ (145) $ 10,386 $ (234) States and political subdivisions 3,133 (6) 1,117 (23) 4,250 (29) Total debt securities $ 7,664 $ (95) $ 6,972 $ (168) $ 14,636 $ (263) Mortgage-backed securities: FNMA $ 3,856 $ (25) $ - - $ - $ 3,856 $ (25) FHLMC - - 1,234 (56) 1,234 (56) GNMA 3,480 (55) 471 (6) 3,951 (61) CMO'S 6,677 (89) 3,661 (114) 10,338 (203) Total mortgage-backed securities $ 14,013 $ (169) $ 5,366 $ (176) $ 19,379 $ (345) Held To Maturity: Debt securities: States and political subdivisions $ 626 $ (11) $ 495 $ (28) $ 1,121 $ (39) Total temporarily impaired securities $ 22,303 $ (275) $ 12,833 $ (372) $ 35,136 $ (647) 2014 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (in thousands) Available for Sale: Debt securities: U.S. government agencies $ 3,906 $ (26) $ 7,751 $ (249) $ 11,657 $ (275) States and political subdivisions 4,752 (9) 1,902 (40) 6,654 (49) Total debt securities $ 8,658 $ (35) $ 9,653 $ (289) $ 18,311 $ (324) Mortgage-backed securities: FNMA $ 1,498 $ (10) $ 1,731 - $ (5) $ 3,229 $ (15) FHLMC - - 1,482 (64) 1,482 (64) GNMA - - 2,079 (27) 2,079 (27) CMO'S 1,722 (11) 4,290 (128) 6,012 (139) Total mortgage-backed securities $ 3,220 $ (21) $ 9,582 $ (224) $ 12,802 $ (245) Held To Maturity: Debt securities: States and political subdivisions $ 371 $ (1) $ 556 $ (31) $ 927 $ (32) Total temporarily impaired securities $ 12,249 $ (57) $ 19,791 $ (544) $ 32,040 $ (601)

Loans And The Allowance For L33

Loans And The Allowance For Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2015
Loans And The Allowance For Loan Losses [Abstract]
Schedule Of Loan Portfolio Composition	December 31, 2015 December 31, 2014 Mortgage loans on real estate: (in thousands) Residential mortgages $ 103,941 $ 98,374 Commercial and multi-family 399,819 363,252 Construction-Residential 1,546 721 Construction-Commercial 60,892 40,986 Home equities 61,042 59,948 Total real estate loans 627,240 563,281 Commercial and industrial loans 144,330 129,456 Consumer loans 1,596 1,764 Other 139 404 Net deferred loan origination costs 679 759 Total gross loans 773,984 695,664 Allowance for loan losses (12,883) (12,533) Loans, net $ 761,101 $ 683,131
Changes In The Allowance For Loan Losses	2015 2014 2013 (in thousands) Balance, beginning of year $ 12,533 $ 11,503 $ 9,732 Provisions for loan and lease losses 1,216 1,229 1,540 Recoveries 181 863 942 Loans and leases charged-off (1,047) (1,062) (711) Balance, end of year $ 12,883 $ 12,533 $ 11,503
Schedule Of Allowance For Loan Losses According To Portfolio Segment	2015 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer ** Residential Mortgages* HELOC Direct Financing Leases Unallocated Total Allowance for loan losses: Beginning balance $ 4,896 $ 5,650 $ 78 $ 941 $ 819 $ - $ 149 $ 12,533 Charge-offs (799) (139) (43) (66) - - - (1,047) Recoveries 126 44 9 2 - - - 181 Provision (Credit) 160 1,580 41 32 (448) - (149) 1,216 Ending balance $ 4,383 $ 7,135 $ 85 $ 909 $ 371 $ - $ - $ 12,883 Allowance for loan losses: Ending balance: Individually evaluated for impairment $ 552 $ 1,146 $ 42 $ 2 $ - $ - $ - $ 1,742 Collectively evaluated for impairment 3,831 5,989 43 907 371 - - 11,141 Total $ 4,383 $ 7,135 $ 85 $ 909 $ 371 $ - $ - $ 12,883 Loans: Ending balance: Individually evaluated for impairment $ 5,322 $ 9,993 $ 42 $ 2,499 $ 1,644 $ - $ - $ 19,500 Collectively evaluated for impairment 139,008 450,718 1,693 102,988 59,398 - - 753,805 Total $ 144,330 $ 460,711 $ 1,735 $ 105,487 $ 61,042 $ - $ - $ 773,305 N ote : Loan balances do not include $679 thousand in net deferred loan origination costs as of December 31, 2015. * includes construction loans ** includes other loans 2014 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer ** Residential Mortgages* HELOC Direct Financing Leases Unallocated Total Allowance for loan and lease losses: Beginning balance $ 4,489 $ 4,912 $ 37 $ 1,038 $ 878 $ - $ 149 $ 11,503 Charge-offs (957) (57) (46) - (2) - - (1,062) Recoveries 574 58 40 18 - 173 - 863 Provision (Credit) 790 737 47 (115) (57) (173) - 1,229 Ending balance $ 4,896 $ 5,650 $ 78 $ 941 $ 819 $ - $ 149 $ 12,533 Allowance for loan and lease losses: Ending balance: Individually evaluated for impairment $ 988 $ 274 $ 48 $ 3 $ - $ - $ - $ 1,313 Collectively evaluated for impairment 3,908 5,376 30 938 819 - 149 11,220 Total $ 4,896 $ 5,650 $ 78 $ 941 $ 819 $ - $ 149 $ 12,533 Loans and leases: Ending balance: Individually evaluated for impairment $ 5,718 $ 5,817 $ 48 $ 2,535 $ 911 $ - $ - $ 15,029 Collectively evaluated for impairment 123,738 398,421 2,120 96,560 59,037 - - 679,876 Total $ 129,456 $ 404,238 $ 2,168 $ 99,095 $ 59,948 $ - $ - $ 694,905 Note : Loan balances do not include $759 thousand in net deferred loan origination costs as of December 31, 2014. * includes construction loans ** includes other loans
Data, At Class Level, Of Credit Quality Indicators Of Certain Loans	December 31, 2015 (in thousands) Corporate Credit Exposure – By Credit Rating Commercial Real Estate Construction Commercial and Multi-Family Mortgages Total Commercial Real Estate Commercial and Industrial 3 $ 42,383 $ 340,837 $ 383,220 $ 80,379 4 13,098 40,019 53,117 47,509 5 1,224 11,772 12,996 8,973 6 4,187 7,191 11,378 7,350 7 - - - 119 Total $ 60,892 $ 399,819 $ 460,711 $ 144,330 December 31, 2014 (in thousands) Corporate Credit Exposure – By Credit Rating Commercial Real Estate Construction Commercial and Multi-Family Mortgages Total Commercial Real Estate Commercial and Industrial 3 $ 29,421 $ 299,798 $ 329,219 $ 83,789 4 10,492 50,691 61,183 30,223 5 1,073 7,853 8,926 8,662 6 - 4,757 4,757 6,613 7 - 153 153 169 Total $ 40,986 $ 363,252 $ 404,238 $ 129,456
Recorded Investment In Loans Past Due	December 31, 2015 (in thousands) Total Past Current Total 90+ Days Non-accruing 30-59 days 60-89 days 90+ days Due Balance Balance Accruing Loans Commercial and industrial $ 160 $ 224 $ 66 $ 450 $ 143,880 $ 144,330 $ 40 $ 5,312 Residential real estate: Residential 822 402 569 1,793 102,148 103,941 - 1,400 Construction - - - - 1,546 1,546 - - Commercial real estate: Commercial 1,919 963 457 3,339 396,480 399,819 457 3,574 Construction - - - - 60,892 60,892 - 4,187 Home equities 253 236 267 756 60,286 61,042 - 1,058 Consumer 8 - - 8 1,588 1,596 - 14 Other - - - - 139 139 - - Total Loans $ 3,162 $ 1,825 $ 1,359 $ 6,346 $ 766,959 $ 773,305 $ 497 $ 15,545 December 31, 2014 (in thousands) Total Past Current Total 90+ Days Non-accruing 30-59 days 60-89 days 90+ days Due Balance Balance Accruing Loans Commercial and industrial $ 153 $ 60 $ 274 $ 487 $ 128,969 $ 129,456 $ - $ 5,500 Residential real estate: Residential 848 158 682 1,688 96,686 98,374 - 1,296 Construction - - - - 721 721 - - Commercial real estate: Commercial 4,201 3,115 513 7,829 355,423 363,252 - 3,162 Construction 8 - 201 209 40,777 40,986 201 - Home equities 594 120 192 906 59,042 59,948 - 415 Consumer 13 1 - 14 1,750 1,764 - 17 Other - - - - 404 404 - - Total Loans $ 5,817 $ 3,454 $ 1,862 $ 11,133 $ 683,772 $ 694,905 $ 201 $ 10,390
Data, At Class Level, Of Impaired Loans	At December 31, 2015 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Foregone Interest Income Recognized With no related allowance recorded: (in thousands) Commercial and industrial $ 1,750 $ 1,811 $ - $ 1,945 $ 58 $ 47 Residential real estate: Residential 2,444 2,555 - 2,474 90 63 Construction - - - - - - Commercial real estate: Commercial 3,888 3,908 - 3,930 27 179 Construction 834 834 - 834 - 31 Home equities 1,644 1,711 - 1,661 40 52 Consumer - - - - - - Other - - - - - - Total impaired loans $ 10,560 $ 10,819 $ - $ 10,844 $ 215 $ 372 At December 31, 2015 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Foregone Interest Income Recognized With a related allowance recorded: (in thousands) Commercial and industrial $ 3,572 $ 3,835 $ 552 $ 3,966 $ 255 $ 9 Residential real estate: Residential 55 55 2 55 1 2 Construction - - - - - - Commercial real estate: Commercial 1,083 1,083 235 1,083 4 42 Construction 4,188 4,201 911 4,188 29 166 Home equities - - - - - - Consumer 42 57 42 45 2 6 Other - - - - - - Total impaired loans $ 8,940 $ 9,231 $ 1,742 $ 9,337 $ 291 $ 225 At December 31, 2015 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Foregone Interest Income Recognized Total: (in thousands) Commercial and industrial $ 5,322 $ 5,646 $ 552 $ 5,911 $ 313 $ 56 Residential real estate: Residential 2,499 2,610 2 2,529 91 65 Construction - - - - - - Commercial real estate: Commercial 4,971 4,991 235 5,013 31 221 Construction 5,022 5,035 911 5,022 29 197 Home equities 1,644 1,711 - 1,661 40 52 Consumer 42 57 42 45 2 6 Other - - - - - - Total impaired loans $ 19,500 $ 20,050 $ 1,742 $ 20,181 $ 506 $ 597 At December 31, 2014 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Foregone Interest Income Recognized With no related allowance recorded: (in thousands) Commercial and industrial $ 1,017 $ 1,022 $ - $ 1,096 $ 9 $ 66 Residential real estate: Residential 2,264 2,435 - 2,271 37 68 Construction - - - - - - Commercial real estate: Commercial 2,103 2,208 - 2,139 33 91 Construction 1,074 1,074 - 1,169 - 44 Home equities 911 950 - 917 17 22 Consumer - - - - - - Other - - - - - - Total impaired loans $ 7,369 $ 7,689 $ - $ 7,592 $ 96 $ 291 At December 31, 2014 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Foregone Interest Income Recognized With a related allowance recorded: (in thousands) Commercial and industrial $ 4,701 $ 4,734 $ 988 $ 4,701 $ 64 $ 234 Residential real estate: Residential 271 285 3 271 20 - Construction - - - - - - Commercial real estate: Commercial 2,640 2,785 274 2,708 96 50 Construction - - - - - - Home equities - - - - - - Consumer 48 60 48 49 5 6 Other - - - - - - Total impaired loans $ 7,660 $ 7,864 $ 1,313 $ 7,729 $ 185 $ 290 At December 31, 2014 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Foregone Interest Income Recognized Total: (in thousands) Commercial and industrial $ 5,718 $ 5,756 $ 988 $ 5,797 $ 73 $ 300 Residential real estate: Residential 2,535 2,720 3 2,542 57 68 Construction - - - - - - Commercial real estate: Commercial 4,743 4,993 274 4,847 129 141 Construction 1,074 1,074 - 1,169 - 44 Home equities 911 950 - 917 17 22 Consumer 48 60 48 49 5 6 Other - - - - - - Total impaired loans $ 15,029 $ 15,553 $ 1,313 $ 15,321 $ 281 $ 581
Loans Classified As Troubled Debt Restructurings	December 31, 2015 (in thousands) Total Nonaccruing Accruing Related Allowance Commercial and industrial $ 517 $ 508 $ 9 $ 165 Residential real estate: Residential 1,789 689 1,100 - Construction - - - - Commercial real estate: Commercial and multi-family 1,732 334 1,398 - Construction 834 - 834 - Home equities 867 281 586 - Consumer loans 28 - 28 28 Other - - - - Total troubled restructured loans $ 5,767 $ 1,812 $ 3,955 $ 193 December 31, 2014 (in thousands) Total Nonaccruing Accruing Related Allowance Commercial and industrial $ 492 $ 274 $ 218 $ 173 Residential real estate: Residential 1,833 594 1,239 - Construction - - - - Commercial real estate: Commercial and multi family 2,428 847 1,581 33 Construction 1,074 - 1,074 - Home equities 728 233 495 - Consumer loans 31 - 31 31 Other - - - - Total troubled restructured loans $ 6,586 $ 1,948 $ 4,638 $ 237
TDR Activity By Type Of Concession Granted To Borrower	Year ended December 31, 2015 Year ended December 31, 2014 (in thousands) (in thousands) Troubled Debt Restructurings by Type of Concession Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial and Industrial: Deferral of principal 3 541 541 1 $ 16 $ 16 Residential Real Estate & Construction: Extension of maturity - - - 2 615 615 Extension of maturity and interest rate reduction - - - 1 208 208 Commercial Real Estate & Construction: Extension of maturity and interest rate reduction - - - 1 250 250 Home Equities: Extension of maturity - - - 9 592 592 Extension of maturity and interest rate reduction - - - 2 84 84 Combination of concessions 2 166 166 - - - Consumer loans: Interest rate reduction - - - 1 31 31 Other - - - - - -
Loans Classified As TDRs Which Defaulted	Year ended December 31, 2015 Year ended December 31, 2014 (in thousands) (in thousands) Troubled Debt Restructurings Number of Recorded Number of Recorded That Subsequently Defaulted Contracts Investment Contracts Investment Commercial and Industrial - - 3 $ 191 Residential Real Estate: Residential - - - - Construction - - - - Commercial Real Estate: Commercial and multi-family - - 1 250 Construction - - - - Home Equities 1 66 1 54 Consumer loans - - - - Other - - - -

Properties And Equipment (Table

Properties And Equipment (Tables)	12 Months Ended
	Dec. 31, 2015
Properties And Equipment [Abstract]
Properties And Equipment	2015 2014 (in thousands) Land $ 268 $ 268 Buildings and improvements 12,867 12,088 Construction in progress 271 2 Furniture, fixtures, and equipment 13,444 12,995 26,850 25,353 Less accumulated depreciation (15,799) (15,129) Properties and equipment, net $ 11,051 $ 10,224

Other Assets (Tables)

Other Assets (Tables)	12 Months Ended
	Dec. 31, 2015
Other Assets [Abstract]
Schedule Of Other Assets	2015 2014 (in thousands) Net deferred tax asset $ 6,857 $ 7,661 Accrued interest receivable 2,682 2,417 Prepaid expenses 817 713 Mortgage servicing rights 557 518 Other 2,801 2,674 Total other assets $ 13,714 $ 13,983

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2015
Deposits [Abstract]
Schedule Of Maturities Of Time Deposits	At December 31, 2015, the scheduled maturities of all time deposits were as follows: (in thousands) 2016 $ 37,388 2017 18,497 2018 7,723 2019 13,572 2020 and later 19,037 $ 96,217

Borrowed Funds And Junior Sub37

Borrowed Funds And Junior Subordinated Debentures (Tables)	12 Months Ended
	Dec. 31, 2015
Borrowed Funds And Junior Subordinated Debentures [Abstract]
Schedule Of Amounts And Interest Rates Of Other Borrowed Funds	Federal Funds Purchased Other Borrowings Total (in thousands) At December 31, 2015 Amount outstanding $ - $ 10,000 $ 10,000 Weighted-average interest rate - % 1.73 % 1.73 % For the year ended December 31, 2015 Highest amount at a monthend $ 17,700 $ 10,000 Daily average amount outstanding $ 2,504 $ 7,151 $ 9,655 Weighted-average interest rate 0.33 % 1.79 % 1.41 % At December 31, 2014 Amount outstanding $ 13,700 $ - $ 13,700 Weighted-average interest rate 0.32 % - % 0.32 % For the year ended December 31, 2014 Highest amount at a monthend $ 13,700 $ 9,000 Daily average amount outstanding $ 3,938 $ 5,000 $ 8,938 Weighted-average interest rate 0.25 % 3.54 % 2.09 % At December 31, 2013 Amount outstanding $ - $ 9,000 $ 9,000 Weighted-average interest rate - % 3.41 % 3.41 % For the year ended December 31, 2013 Highest amount at a monthend $ - $ 10,000 Daily average amount outstanding $ - $ 6,167 $ 6,167 Weighted-average interest rate - % 3.41 % 3.41 %

Comprehensive Income (Loss) (Ta

Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2015
Comprehensive Income (Loss) [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss)	Balance at December 31, 2014 Net Change Balance at December 31, 2015 (in thousands) Net unrealized gain (loss) on investment securities $ 911 $ (436) $ 475 Net defined benefit pension plan adjustments (2,419) 134 (2,285) Total $ (1,508) $ (302) $ (1,810) Balance at December 31, 2013 Net Change Balance at December 31, 2014 (in thousands) Net unrealized gain on investment securities $ 191 $ 720 $ 911 Net defined benefit pension plan adjustments (1,454) (965) (2,419) Total $ (1,263) $ (245) $ (1,508) Balance at December 31, 2012 Net Change Balance at December 31, 2013 (in thousands) Net unrealized gain (loss) on investment securities $ 2,457 $ (2,266) $ 191 Net defined benefit pension plan adjustments (2,356) 902 (1,454) Total $ 101 $ (1,364) $ (1,263)
Components Of Other Comprehensive Income (Loss)	December 31, 2015 (in thousands) Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Unrealized loss on investment securities: Unrealized gain (loss) on investment securities $ (719) $ 283 $ (436) Reclassification from accumulated other comprehensive income for gains (losses) - - - Net change (719) 283 (436) Defined benefit pension plans adjustments: Net actuarial (loss) gain $ - $ - $ - Reclassifications from accumulated other comprehensive income for gains (losses) Amortization of prior service cost (a) 31 (12) 19 Amortization of actuarial loss (a) 201 (76) 125 Actuarial gains (losses) 5 (15) (10) Net change 237 (103) 134 Other Comprehensive Income (Loss) $ (482) $ 180 $ (302) (a) Included in net periodic pension cost as described in Note 11 – “Employee Benefits and Deferred Compensation Plans” December 31, 2014 (in thousands) Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Unrealized loss on investment securities: Unrealized gain (loss) on investment securities $ 1,173 $ (453) $ 720 Reclassification from accumulated other comprehensive income for gains (losses) - - - Net change 1,173 (453) 720 Defined benefit pension plans adjustments: Net actuarial (loss) gain $ - $ - $ - Reclassifications from accumulated other comprehensive income for gains (losses) Amortization of prior service cost (a) 31 (12) 19 Amortization of actuarial loss (a) 105 (41) 64 Actuarial (losses) gains (1,710) 662 (1,048) Net change (1,574) 609 (965) Other Comprehensive Income (Loss) $ (401) $ 156 $ (245) (a) Included in net periodic pension cost as described in Note 11 – “Employee Benefits and Deferred Compensation Plans ” December 31, 2013 (in thousands) Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Unrealized loss on investment securities: Unrealized (loss) gain on investment securities $ (3,697) $ 1,431 $ (2,266) Reclassification from accumulated other comprehensive income for gains (losses) - - - Net change (3,697) 1,431 (2,266) Defined benefit pension plans adjustments: Net actuarial (loss) gain $ - $ - $ - Reclassifications from accumulated other comprehensive income for gains (losses) Amortization of prior service cost (a) 69 (27) 42 Amortization of actuarial loss (a) 177 (69) 108 Actuarial gains (losses) 1,226 (474) 752 Net change 1,472 (570) 902 Other Comprehensive Income (Loss) $ (2,225) $ 861 $ (1,364) Included in net periodic pension cost as described in Note 11 – “Employee Benefits and Deferred Compensation Plans”

Employee Benefits And Deferre39

Employee Benefits And Deferred Compensation Plans (Tables)	12 Months Ended
	Dec. 31, 2015
Pension Plans [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Schedule Of Defined Benefit Plans Disclosures	12/31/2015 12/31/2014 Change in benefit obligation: (in thousands) Benefit obligation at the beginning of the year $ 5,437 $ 4,395 Service cost - - Interest cost 205 206 Assumption change (61) 976 Actuarial loss (4) 24 Benefits paid (193) (164) Benefit obligation at the end of the year 5,384 5,437 Change in plan assets: Fair value of plan assets at the beginning of year 4,201 4,162 Actual return on plan assets (106) 93 Employer contributions 165 110 Benefits paid (193) (164) Fair value of plan assets at the end of year 4,067 4,201 Funded status $ (1,317) $ (1,236) Amount recognized in the Consolidated Balance Sheets consist of: Accrued benefit liabilities $ (1,317) $ (1,236) Amount recognized in the Accumulated Other Comprehensive Loss consists of: Net actuarial loss $ 2,390 $ 2,112 Prior service cost - - Net amount recognized in equity - pre-tax $ 2,390 $ 2,112 Net amount recognized on Consolidated Balance Sheets in Other Liabilities $ 1,073 $ 876 Accumulated benefit obligation at year end $ 5,384 $ 5,437
Schedule Of Assumptions Used	2015 2014 2013 Discount rate for projected benefit obligation 4.17 % 3.83 % 4.78 % Discount rate for net periodic pension cost 3.83 % 4.78 % 3.88 % Rate of increase in compensation levels - % - % - % Expected long-term rate of return of plan assets 7.50 % 7.50 % 7.50 %
Schedule Of Net Periodic Cost	2015 2014 2013 (in thousands) Service cost $ - $ - $ - Interest cost 205 206 192 Expected return on plan assets (308) (307) (260) Net amortization and deferral 71 22 65 Net periodic benefit cost $ (32) $ (79) $ (3)
Schedule Of Target Plan Asset Allocations	Asset Category: 2015 2014 Equity mutual funds 73.51 % 77.80 % Fixed income mutual funds 18.64 % 19.30 % Cash/Short-term investments 7.85 % 2.90 % 100.00 % 100.00 %
Schedule of Allocation Of Plan Assets	2015 2014 (in thousands) Level 1: Cash $ 44 $ - Mutual funds: Short-term investments: Money market 275 121 Equities: Small cap 375 402 Real estate 234 241 International large cap 757 818 Emerging markets 388 480 Currency 177 195 Commodity 35 51 Bonds 394 413 Bank loans 187 202 Exchange -traded funds (ETFs): Large cap 844 890 Mid cap 357 388 $ 4,067 $ 4,201
Schedule Of Expected Benefit Payments	(in thousands) 2016 $ 201 2017 199 2018 208 2019 208 2020 207 Year 2021 - 2025 1,416
Supplemental Executive Retirement Plans [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Schedule Of Defined Benefit Plans Disclosures	12/31/2015 12/31/2014 Change in benefit obligation: (in thousands) Benefit obligation at the beginning of the year $ 4,555 $ 3,923 Service cost 194 168 Interest cost 146 159 Actuarial (gain) loss (354) 497 Benefits paid (192) (192) Benefit obligation at the end of the year 4,349 4,555 Change in plan assets: Fair value of plan assets at the beginning of year - - Actual return on plan assets - - Employer contributions 192 192 Benefits paid (192) (192) Fair value of plan assets at the end of year - - Funded status $ (4,349) $ (4,555) Amount recognized in the Consolidated Balance Sheets consist of: Accrued benefit liabilities $ (4,349) $ (4,555) Amount recognized in the Accumulated Other Comprehensive Loss consists of: Net actuarial loss $ 1,117 $ 1,601 Prior service cost 218 249 Net amount recognized in equity - pre-tax $ 1,335 $ 1,850 Net amount recognized on Consolidated Balance Sheets in Other Liabilities $ (3,014) $ (2,705) Accumulated benefit obligation at year end $ 3,876 $ 3,944
Schedule Of Assumptions Used	2015 2014 2013 Discount rate for projected benefit obligation 3.38 % 3.30 % 4.15 % Discount rate for net periodic pension cost 3.30 % 4.15 % 3.17 % Salary scale 3.50 % 3.50 % 3.50 %
Schedule Of Net Periodic Cost	2015 2014 2013 (in thousands) Service cost $ 194 $ 168 $ 165 Interest cost 146 159 125 Net amortization and deferral 161 115 180 Settlement charge - - 105 Net periodic benefit cost $ 501 $ 442 $ 575
Schedule Of Expected Benefit Payments	(in thousands) 2016 $ 193 2017 193 2018 193 2019 2,192 2020 193 Year 2021 - 2025 1,495

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Schedule Of Stock Options Valuation Assumptions	2015 2014 2013 Dividend Yield 2.93 % 2.70 % 2.72 % Expected Life (years) 6.36 6.36 6.36 Expected Volatility 19.62 % 20.76 % 20.58 % Risk-free Interest Rate 1.90 % 2.11 % 1.16 % Weighted Average Fair Value $ 3.49 $ 3.64 $ 2.48
Schedule Of Stock Options Activity	Options Weighted Average Exercise Price Weighted Average Remaining Contractual Term (years) Aggregate Intrinsic Value (in thousands) Balance, December 31, 2014 236,692 $ 16.17 Granted 38,630 24.72 Exercised (48,849) 16.57 Expired (2,950) 21.91 Forfeited (9,228) 21.80 Balance, December 31, 2015 214,295 $ 17.30 5.95 $ 1,597 Exercisable, December 31, 2015 141,761 $ 14.90 4.74 $ 1,395
Schedule Of Restricted Stock Award Activity	Shares Weighted Average Grant Date Fair Value Balance, December 31, 2014 28,508 $ 19.07 Granted 20,942 24.48 Vested (12,151) 19.27 Forfeited (3,609) 22.62 Balance, December 31, 2015 33,690 $ 21.98
Schedule Of Activity Under Share Based Compensation Plans	2015 2014 2013 (in thousands) Total intrinsic value of stock options exercised $ 409 $ 287 $ 30 Total fair value of restricted stock awards vested $ 287 $ 273 $ 136
Schedule Of Employee Stock Purchase Plan Valuation Assumptions	2015 2014 2013 Dividend Yield 3.01 % 2.95 % 3.00 % Expected Life (years) 0.50 0.50 0.50 Expected Volatility 16.47 % 22.41 % 14.21 % Risk-free Interest Rate 0.19 % 0.08 % 0.11 % Weighted Average Fair Value $ 6.92 $ 6.56 $ 4.80
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Schedule Of Unrecognized Compensation Cost	(in thousands) 2016 $ 72 2017 54 2018 36 2019 6
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Schedule Of Unrecognized Compensation Cost	(in thousands) 2016 $ 213 2017 164 2018 110 2019 19

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2015
Income Taxes [Abstract]
Schedule Of Components Of Income Tax Provision (Benefit)	2015 2014 2013 (in thousands) Current federal tax expense $ 2,784 $ 2,282 $ 2,184 Current state tax expense (benefit) 3 (118) (81) Total current tax expense 2,787 2,164 2,103 Deferred federal tax expense (benefit) $ 435 $ (215) $ 316 Deferred state tax expense (benefit) 545 (1,245) (688) Total deferred tax expense (benefit) 980 (1,460) (372) Total income tax provision $ 3,767 $ 704 $ 1,731
Schedule Of Effective Income Tax Rate Reconciliation	2015 2014 2013 Amount Percent Amount Percent Amount Percent (in thousands) Tax provision at statutory rate $ 3,947 34 % $ 3,023 34 % $ 3,257 34 % Change in taxes resulting from: Tax-exempt income (617) (5) (558) (6) (564) (6) Historic tax credit - - (996) (11) (559) (6) State taxes, net of federal benefit 362 3 (899) (10) (508) (5) Other items, net 75 - 134 1 105 1 Income tax provision $ 3,767 32 % $ 704 8 % $ 1,731 18 %
Schedule Of Deferred Tax Assets And Liabilities	2015 2014 (in thousands) Deferred tax assets: Pension premiums $ 2,148 $ 2,213 Allowance for loan and lease losses 4,826 4,690 Non accrued interest - 239 Deferred compensation 956 1,040 Litigation accrual 204 374 Loss on investment in tax credit 452 513 Stock options granted 134 129 Net operating loss carryforward 62 88 Historic tax credit carryforward 980 1,196 Leases 156 156 Gross deferred tax assets $ 9,918 $ 10,638 Deferred tax liabilities: Depreciation and amortization $ 1,806 $ 1,398 Prepaid expenses 459 438 Net unrealized gains on securities 291 569 Acquisition-related adjustments - 24 Mortgage servicing asset 212 198 Other - 29 Gross deferred tax liabilities $ 2,768 $ 2,656 Valuation allowance (293) (321) Net deferred tax asset $ 6,857 $ 7,661
Schedule Of Unrecognized Tax Benefits	2015 2014 2013 (in thousands) Balance at beginning of year $ - $ - $ 21 Reclassification from deferred taxes for tax position taken during a period - - - Increases related to tax positions taken during a prior period - - - Decrease due to the resolution of a prior year tax matter - - (21) Decreases related to settlements with taxing authorities - - - Balance at end of year $ - $ - $ -

Other Liabilities (Tables)

Other Liabilities (Tables)	12 Months Ended
	Dec. 31, 2015
Other Liabilities [Abstract]
Schedule Of Other Liabilities	2015 2014 (in thousands) Retirement compensation liabilities $ 7,986 $ 8,316 Accounts payable 2,803 2,995 Historic tax credit investment 911 2,014 Litigation accrual 538 1,000 Interest payable 160 232 Other 320 21 Total other liabilities $ 12,718 $ 14,578

Contingent Liabilities And Co43

Contingent Liabilities And Commitments (Tables)	12 Months Ended
	Dec. 31, 2015
Contingent Liabilities And Commitments [Abstract]
Summary Of Commitments And Contingent Liabilities	December 31, December 31, 2015 2014 (in thousands) Commitments to extend credit $ 206,346 $ 212,193 Standby letters of credit 3,794 2,430 Total $ 210,140 $ 214,623

Segment Information (Tables)

Segment Information (Tables)	12 Months Ended
	Dec. 31, 2015
Segment Information [Abstract]
Schedule Of Business Segments	2015 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income (expense) $ 31,921 $ (117) $ 31,804 Provision for loan losses 1,216 - 1,216 Net interest income (expense) after provision for loan losses 30,705 (117) 30,588 Non-interest income 6,526 - 6,526 Insurance service and fees 672 6,522 7,194 Amortization expense - - - Non-interest expense 28,103 4,595 32,698 Income before income taxes 9,800 1,810 11,610 Income tax provision 3,071 696 3,767 Net income $ 6,729 $ 1,114 $ 7,843 2014 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income (expense) $ 31,214 $ (115) $ 31,099 Provision for loan losses 1,229 - 1,229 Net interest income (expense) after provision for loan losses 29,985 (115) 29,870 Non-interest income 3,142 - 3,142 Insurance service and fees 591 6,540 7,131 Amortization expense - 108 108 Non-interest expense 26,875 4,269 31,144 Income before income taxes 6,843 2,048 8,891 Income tax provision (85) 789 704 Net income $ 6,928 $ 1,259 $ 8,187 2013 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income (expense) $ 28,463 $ (116) $ 28,347 Provision for loan losses 1,540 - 1,540 Net interest income (expense) after provision for loan losses 26,923 (116) 26,807 Non-interest income 4,950 - 4,950 Insurance service and fees 518 6,693 7,211 Amortization expense - 221 221 Non-interest expense 24,792 4,367 29,159 Income before income taxes 7,599 1,989 9,588 Income tax provision 1,022 709 1,731 Net income $ 6,577 $ 1,280 $ 7,857
Schedule Of Identifiable Assets, Net	December 31, December 31, 2015 2014 (in thousands) Identifiable Assets, Net Banking activities $ 929,998 $ 837,928 Insurance agency activities 9,109 8,881 Consolidated Total Assets $ 939,107 $ 846,809

Fair Value Of Financial Instr45

Fair Value Of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2015
Fair Value Of Financial Instruments [Abstract]
Financial Instruments Measured At Fair Value On Recurring Basis	(in thousands) Level 1 Level 2 Level 3 Fair Value December 31, 2015 Securities available-for-sale: U.S. government agencies $ - $ 21,846 $ - $ 21,846 States and political subdivisions - 37,683 - 37,683 Mortgage-backed securities - 37,612 - 37,612 Mortgage servicing rights - - 557 557 December 31, 2014 Securities available-for-sale: U.S. government agencies $ - $ 26,717 $ - $ 26,717 States and political subdivisions - 31,060 - 31,060 Mortgage-backed securities - 37,756 - 37,756 Mortgage servicing rights - - 518 518
Changes In Fair Value For Mortgage Servicing Rights	(in thousands) 2015 2014 2013 Mortgage servicing rights - January 1 $ 518 $ 509 $ 467 Gains (losses) included in earnings (93) (134) 34 Additions from loan sales 132 143 8 Mortgage servicing rights - December 31 $ 557 $ 518 $ 509
Quantitative Information About Significant Unobservable Inputs For MSRs	12/31/2015 12/31/2014 Servicing fees 0.25 % 0.25 % Discount rate 9.52 % 9.52 % Prepayment rate (CPR) 8.55 % 9.28 %
Financial Instruments Measured At Fair Value On Nonrecurring Basis	(in thousands) Level 1 Level 2 Level 3 Fair Value December 31, 2015 Impaired loans $ - - 17,758 $ 17,758 December 31, 2014 Impaired loans $ - - 13,716 $ 13,716
Estimated Fair Values Of Financial Instruments	December 31, 2015 December 31, 2014 Carrying Fair Carrying Fair Amount Value Amount Value (in thousands) (in thousands) Financial assets: Level 1: Cash and cash equivalents $ 22,621 $ 22,621 $ 10,898 $ 10,898 Level 2: Available for sale securities 97,141 97,141 95,533 95,533 FHLB and FRB stock 2,783 2,783 2,925 2,925 Level 3: Held to maturity securities 1,617 1,584 1,599 1,574 Loans, net 761,101 772,472 683,131 685,148 Mortgage servicing rights 557 557 518 518 Financial liabilities: Level 1: Demand deposits $ 183,098 $ 183,098 $ 158,631 $ 158,631 NOW deposits 83,674 83,674 72,670 72,670 Regular savings deposits 439,993 439,993 363,542 363,542 Commitments to extend credit 150 150 245 245 Securities sold under agreement to repurchase 10,821 10,821 13,778 13,778 Level 2: Other borrowed funds 10,000 9,874 13,700 13,700 Junior subordinated debentures 11,330 11,330 11,330 11,330 Level 3: Time deposits 96,217 96,975 112,792 113,854

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2015
Regulatory Matters [Abstract]
Schedule Of Compliance With Regulatory Capital Requirements Under Banking Regulations	December 31, 2015 (in thousands) Company Bank Minimum for Capital Adequacy Purposes Minimum to be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio Common Equity Tier I (to Risk Weighted Assets) $ 96,100 11.8 % $ 93,688 11.5 % $ 36,598 4.5 % $ 52,864 6.5 % Total Risk-Based Capital (to Risk Weighted Assets) $ 106,307 13.1 % $ 103,886 12.8 % $ 65,062 8.0 % $ 81,328 10.0 % Tier I Capital (to Risk Weighted Assets) $ 96,100 11.8 % $ 93,688 11.5 % $ 48,797 6.0 % $ 65,062 8.0 % Tier I Capital (to Average Assets) $ 96,100 10.5 % $ 93,688 10.2 % $ 36,801 4.0 % $ 46,001 5.0 %

Parent Company Only Financial47

Parent Company Only Financial Information (Tables)	12 Months Ended
	Dec. 31, 2015
Parent Company Only Financial Information [Abstract]
Condensed Balance Sheets	December 31, 2015 2014 (in thousands) ASSETS Cash $ 1,030 $ 3,258 Other assets 1,411 1,144 Investment in subsidiaries 103,309 95,689 Total assets $ 105,750 $ 100,091 LIABILITIES AND STOCKHOLDERS’ EQUITY LIABILITIES: Junior subordinated debentures $ 11,330 $ 11,330 Other liabilities 3,164 2,973 Total liabilities 14,494 14,303 STOCKHOLDERS’ EQUITY Total Stockholders’ Equity $ 91,256 $ 85,788 Total liabilities and stockholders’ equity $ 105,750 $ 100,091
Condensed Statements Of Income	December 31, 2015 2014 2013 (in thousands) Dividends from subsidiaries $ 2,000 $ 7,000 $ 2,614 Expenses (1,387) (1,363) (1,364) Income before equity in undistributed earnings of subsidiaries 613 5,637 1,250 Equity in undistributed earnings of subsidiaries 7,230 2,550 6,607 Net income 7,843 8,187 7,857 Other comprehensive income - - - Comprehensive income $ 7,843 $ 8,187 $ 7,857
Condensed Statements Of Cash FLows	Year Ended 2015 2014 2013 (in thousands) Operating Activities: Net income $ 7,843 $ 8,187 $ 7,857 Adjustments to reconcile net income to net cash provided by operating activities: Undistributed earnings of subsidiaries (7,230) (2,550) (6,607) Changes in assets and liabilities affecting cash flow: Other assets (267) (89) (187) Other liabilities 191 1,563 (23) Net cash provided by operating activities 537 7,111 1,040 Investing Activities: Investment in subsidiaries - - - Net cash used in investing activities - - - Financing Activities: Proceeds from issuance of common stock - - - Cash dividends paid (2,765) (2,471) (1,077) Purchase of Treasury stock - (1,436) - Net cash used in financing activities (2,765) (3,907) (1,077) Net increase (decrease) in cash (2,228) 3,204 (37) Cash beginning of year 3,258 54 91 Cash ending of year $ 1,030 $ 3,258 $ 54

Selected Quarterly Financial 48

Selected Quarterly Financial Data (Tables)	12 Months Ended
	Dec. 31, 2015
Selected Quarterly Financial Data [Abstract]
Schedule Of Selected Quarterly Financial Information	4th Quarter 3rd Quarter 2nd Quarter 1st Quarter (in thousands, except for per share data) 2015 Interest Income $ 9,437 $ 9,099 $ 8,636 $ 8,456 Interest Expense 1,001 960 988 875 Net Interest Income $ 8,436 $ 8,139 $ 7,648 $ 7,581 Net Income $ 1,754 $ 2,509 $ 1,675 $ 1,905 Earnings per share basic 0.41 0.59 0.40 0.45 Earnings per share diluted 0.41 0.58 0.39 0.44 2014 Interest Income $ 9,327 $ 8,576 $ 8,592 $ 8,219 Interest Expense 887 899 910 921 Net Interest Income $ 8,440 $ 7,677 $ 7,682 $ 7,298 Net Income $ 2,306 $ 2,290 $ 1,579 $ 2,012 Earnings per share basic 0.55 0.55 0.38 0.48 Earnings per share diluted 0.54 0.54 0.37 0.47

Organization And Summary Of S49

Organization And Summary Of Significant Accounting Policies (Details)	12 Months Ended
	Dec. 31, 2015USD ($)segmententityshares	Dec. 31, 2014USD ($)shares	Dec. 31, 2013USD ($)shares
Number of subsidiaries | entity	2
Other-than-temporary impairment charges	$ 0	$ 0	$ 0
Foreclosed real estate	$ 0	0
Number of reporting units with goodwill | segment	1
Goodwill impairment	$ 0	$ 0
Potentially dilutive shares of common stock | shares	72,320	77,620	49,268
Anti-dilutive shares | shares	36,000	9,000	42,000
Minimum [Member]
Properties and equipment estimated useful life	3 years
Maximum [Member]
Properties and equipment estimated useful life	39 years

Securities (Narrative) (Details

Securities (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Securities [Abstract]
Available for sale securities pledged as collateral	$ 86,000,000	$ 69,000,000
Realized gains (losses) on sales of securities	0	0	$ 0
Other-than-temporary impairment charges	0	0	0
Advances from Federal Home Loan Banks	10,000,000	13,700,000	$ 9,000,000
FHLBNY stock	$ 1,296,000	$ 1,439,000

Securities (Schedule Of Amortiz

Securities (Schedule Of Amortized Cost And Approximate Fair Value Of Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, Amortized Cost	$ 96,374	$ 94,048
Available for Sale, Unrealized Gains	1,375	2,054
Available for Sale, Unrealized Losses	(608)	(569)
Available for Sale, Fair Value	97,141	95,533
Held to Maturity, Amortized Cost	1,617	1,599
Held to Maturity, Unrealized Gains	6	7
Held to Maturity, Unrealized Losses	(39)	(32)
Held to Maturity, Fair Value	1,584	1,574
FNMA [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, Amortized Cost	12,312	14,653
Available for Sale, Unrealized Gains	168	516
Available for Sale, Unrealized Losses	(25)	(15)
Available for Sale, Fair Value	12,455	15,154
FHLMC [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, Amortized Cost	4,629	5,901
Available for Sale, Unrealized Gains	61	121
Available for Sale, Unrealized Losses	(56)	(64)
Available for Sale, Fair Value	4,634	5,958
GNMA [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, Amortized Cost	7,047	6,014
Available for Sale, Unrealized Gains	82	143
Available for Sale, Unrealized Losses	(61)	(27)
Available for Sale, Fair Value	7,068	6,130
CMO [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, Amortized Cost	13,634	10,611
Available for Sale, Unrealized Gains	24	42
Available for Sale, Unrealized Losses	(203)	(139)
Available for Sale, Fair Value	13,455	10,514
U.S. Government Agencies [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, Amortized Cost	21,914	26,687
Available for Sale, Unrealized Gains	166	305
Available for Sale, Unrealized Losses	(234)	(275)
Available for Sale, Fair Value	21,846	26,717
States and Political Subdivisions [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, Amortized Cost	36,838	30,182
Available for Sale, Unrealized Gains	874	927
Available for Sale, Unrealized Losses	(29)	(49)
Available for Sale, Fair Value	37,683	31,060
Held to Maturity, Amortized Cost	1,617	1,599
Held to Maturity, Unrealized Gains	6	7
Held to Maturity, Unrealized Losses	(39)	(32)
Held to Maturity, Fair Value	1,584	1,574
Total Debt Securities [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, Amortized Cost	58,752	56,869
Available for Sale, Unrealized Gains	1,040	1,232
Available for Sale, Unrealized Losses	(263)	(324)
Available for Sale, Fair Value	59,529	57,777
Total Mortgage-Backed Securities [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, Amortized Cost	37,622	37,179
Available for Sale, Unrealized Gains	335	822
Available for Sale, Unrealized Losses	(345)	(245)
Available for Sale, Fair Value	$ 37,612	$ 37,756

Securities (Scheduled Maturitie

Securities (Scheduled Maturities Of Debt And Mortgage-Backed Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Securities [Abstract]
Debt securities available for sale, Due in one year or less, Amortized cost	$ 4,082	$ 8,172
Debt securities available for sale, Due after one year through five years, Amortized cost	29,113	22,118
Debt securities available for sale, Due after five years through ten years, Amortized cost	19,356	20,517
Debt securities available for sale, Due after ten years, Amortized cost	6,201	6,062
Debt securities available for sale, Amortized cost	58,752	56,869
Mortgage-backed securities available for sale, Amortized cost	37,622	37,179
Available for Sale, Amortized Cost	96,374	94,048
Debt securities available for sale, Due in one year or less, Estimated fair value	4,142	8,256
Debt securities available for sale, Due after one year through five years, Estimated fair value	29,448	22,597
Debt securities available for sale, Due after five years through ten years, Estimated fair value	19,615	20,589
Debt securities available for sale, Due after ten years, Estimated fair value	6,324	6,335
Debt securities available for sale, Estimated fair value	59,529	57,777
Mortgage-backed securities available for sale, Estimated fair value	37,612	37,756
Available for Sale, Estimated Fair Value	97,141	95,533
Debt securities held to maturity, Due in one year or less, Amortized cost	309	478
Debt securities held to maturity, Due after one year through five years, Amortized cost	374	77
Debt securities held to maturity, Due after five years through ten years, Amortized cost	828	932
Debt securities held to maturity, Due after ten years, Amortized cost	106	112
Held to Maturity, Amortized Cost	1,617	1,599
Debt securities held to maturity, Due in one year or less, Estimated fair value	308	477
Debt securites held to maturity, Due after one year through five years, Estimated fair value	365	78
Debt securites held to maturity, Due after five years through ten years, Estimated fair value	815	914
Debt securities held to maturity, Due after ten years, Estimated fair value	96	105
Held to Maturity, Estimated Fair Value	$ 1,584	$ 1,574

Securities (Unrealized Losses O

Securities (Unrealized Losses On Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Investments In Debt And Marketable Equity Securities [Line Items]
Held To Maturity, Total, Unrealized Losses	$ (39)	$ (32)
Total temporarily impaired securities, Less than 12 months, Fair Value	22,303	12,249
Total temporarily impaired securities, 12 months or longer, Fair Value	12,833	19,791
Total temporarily impaired securities, Total, Fair Value	35,136	32,040
Total temporarily impaired securities, Less than 12 months, Unrealized Losses	(275)	(57)
Total temporarily impaired securities, 12 months or longer, Unrealized Losses	(372)	(544)
Total temporarily impaired securities, Total, Unrealized Losses	(647)	(601)
U.S. Government Agencies [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	4,531	3,906
Available for Sale, 12 months or longer, Fair Value	5,855	7,751
Available for Sale, Total, Fair Value	10,386	11,657
Available for Sale, Less than 12 months, Unrealized Losses	(89)	(26)
Available for Sale, 12 months or longer, Unrealized Losses	(145)	(249)
Available for Sale, Total, Unrealized Losses	(234)	(275)
States and Political Subdivisions [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	3,133	4,752
Available for Sale, 12 months or longer, Fair Value	1,117	1,902
Available for Sale, Total, Fair Value	4,250	6,654
Available for Sale, Less than 12 months, Unrealized Losses	(6)	(9)
Available for Sale, 12 months or longer, Unrealized Losses	(23)	(40)
Available for Sale, Total, Unrealized Losses	(29)	(49)
Held To Maturity, Less than 12 months, Fair Value	626	371
Held To Maturity, 12 months or longer, Fair Value	495	556
Held To Maturity, Total, Fair Value	1,121	927
Held To Maturity, Less than 12 months, Unrealized Losses	(11)	(1)
Held To Maturity, 12 months or longer, Unrealized Losses	(28)	(31)
Held To Maturity, Total, Unrealized Losses	(39)	(32)
Total Debt Securities [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	7,664	8,658
Available for Sale, 12 months or longer, Fair Value	6,972	9,653
Available for Sale, Total, Fair Value	14,636	18,311
Available for Sale, Less than 12 months, Unrealized Losses	(95)	(35)
Available for Sale, 12 months or longer, Unrealized Losses	(168)	(289)
Available for Sale, Total, Unrealized Losses	(263)	(324)
Total Mortgage-Backed Securities [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	14,013	3,220
Available for Sale, 12 months or longer, Fair Value	5,366	9,582
Available for Sale, Total, Fair Value	19,379	12,802
Available for Sale, Less than 12 months, Unrealized Losses	(169)	(21)
Available for Sale, 12 months or longer, Unrealized Losses	(176)	(224)
Available for Sale, Total, Unrealized Losses	(345)	(245)
FNMA [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	3,856	1,498
Available for Sale, 12 months or longer, Fair Value		1,731
Available for Sale, Total, Fair Value	3,856	3,229
Available for Sale, Less than 12 months, Unrealized Losses	(25)	(10)
Available for Sale, 12 months or longer, Unrealized Losses		(5)
Available for Sale, Total, Unrealized Losses	$ (25)	$ (15)
FHLMC [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value
Available for Sale, 12 months or longer, Fair Value	$ 1,234	$ 1,482
Available for Sale, Total, Fair Value	$ 1,234	$ 1,482
Available for Sale, Less than 12 months, Unrealized Losses
Available for Sale, 12 months or longer, Unrealized Losses	$ (56)	$ (64)
Available for Sale, Total, Unrealized Losses	(56)	(64)
GNMA [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	3,480
Available for Sale, 12 months or longer, Fair Value	471	2,079
Available for Sale, Total, Fair Value	3,951	2,079
Available for Sale, Less than 12 months, Unrealized Losses	(55)
Available for Sale, 12 months or longer, Unrealized Losses	(6)	(27)
Available for Sale, Total, Unrealized Losses	(61)	(27)
CMO [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	6,677	1,722
Available for Sale, 12 months or longer, Fair Value	3,661	4,290
Available for Sale, Total, Fair Value	10,338	6,012
Available for Sale, Less than 12 months, Unrealized Losses	(89)	(11)
Available for Sale, 12 months or longer, Unrealized Losses	(114)	(128)
Available for Sale, Total, Unrealized Losses	$ (203)	$ (139)

Loans And The Allowance For L54

Loans And The Allowance For Loan Losses (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gain on loans sold	$ 133	$ 203	$ 25
Loans pledged as collateral	204,800
Overdrawn deposit accounts classified as loans	$ 200	100
Minimum percentage of loans reviewed annually	40.00%
Impaired loans with no related allowance recorded	$ 10,560	7,369
Loan commitments to borrowers in non-accrual status	0	0
Loans restructured in troubled debt restructurings	5,767	6,586
Troubled debt restructurings in non-accrual status	$ 1,812	1,948
Period of timely payments before reversion to accruing status	6 months
Commitments to TDR debtors	$ 0
Residential Real Estate: Residential [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Maximum amount of loan as percentage of appraised value	80.00%
Unpaid principal balance	$ 77,300	71,600
Mortgages sold to FNMA	14,300	15,300
Gain on loans sold	133	203
Mortgage servicing rights	600	500
Mortgage loans held-for-sale	500	400
Impaired loans with no related allowance recorded	2,444	2,264
Loans restructured in troubled debt restructurings	1,789	1,833
Troubled debt restructurings in non-accrual status	$ 689	594
Commercial Real Estate: Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Maximum amount of loan as percentage of appraised value	80.00%
Impaired loans with no related allowance recorded	$ 3,888	2,103
Loans restructured in troubled debt restructurings	1,732	2,428
Troubled debt restructurings in non-accrual status	334	847
Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans with no related allowance recorded	1,750	1,017
Loans restructured in troubled debt restructurings	517	492
Troubled debt restructurings in non-accrual status	$ 508	$ 274
Minimum [Member] | Residential Real Estate: Residential [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan amortization period	10 years
Minimum [Member] | Commercial Real Estate: Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans mature or subject to a rate call, period	3 years
Minimum [Member] | Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Variable rate repricing, period	3 years
Maximum [Member] | Residential Real Estate: Residential [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan amortization period	30 years
Maximum [Member] | Commercial Real Estate: Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan amortization period	20 years
Mortgage loans mature or subject to a rate call, period	5 years
Maximum [Member] | Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans mature or subject to a rate call, period	5 years
Variable rate repricing, period	5 years

Loans And The Allowance For L55

Loans And The Allowance For Loan Losses (Schedule Of Loan Portfolio Composition) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total real estate loans	$ 627,240	$ 563,281
Commercial and industrial loans	144,330	129,456
Consumer loans	1,596	1,764
Other	139	404
Net deferred loan origination costs	679	759
Total gross loans	773,984	695,664
Allowance for loan losses	(12,883)	(12,533)
Loans, net	761,101	683,131
Residential Real Estate: Residential [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total real estate loans	103,941	98,374
Commercial Real Estate: Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total real estate loans	399,819	363,252
Residential Real Estate: Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total real estate loans	1,546	721
Commercial Real Estate: Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total real estate loans	60,892	40,986
Home Equities [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total real estate loans	$ 61,042	$ 59,948

Loans And The Allowance For L56

Loans And The Allowance For Loan Losses (Changes In Allowance For Loan Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Loans And The Allowance For Loan Losses [Abstract]
Allowance for loan losses: Beginning balance	$ 12,533	$ 11,503	$ 9,732
Allowance for loan losses: Provision (Credit)	1,216	1,229	1,540
Allowance for loan losses: Recoveries	181	863	942
Allowance for loan losses: Charge-offs	(1,047)	(1,062)	(711)
Allowance for loan losses: Ending balance	$ 12,883	$ 12,533	$ 11,503

Loans And The Allowance For L57

Loans And The Allowance For Loan Losses (Schedule Of Allowance For Loan Losses According To Portfolio Segment) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance		$ 12,533	$ 11,503	$ 9,732
Allowance for loan losses: Charge-offs		(1,047)	(1,062)	(711)
Allowance for loan losses: Recoveries		181	863	942
Allowance for loan losses: Provision (Credit)		1,216	1,229	1,540
Allowance for loan losses: Ending balance		12,883	12,533	11,503
Allowance for loan losses: Individually evaluated for impairment					$ 1,742	$ 1,313
Allowance for loan losses: Collectively evaluated for impairment					11,141	11,220
Allowance for loan losses: Total		12,533	11,503	9,732	12,883	12,533
Loans: Individually evaluated for impairment					19,500	15,029
Loans: Collectively evaluated for impairment					753,805	679,876
Loans: Total					773,305	694,905
Net deferred loan origination costs					679	759
Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance		4,896	4,489
Allowance for loan losses: Charge-offs		(799)	(957)
Allowance for loan losses: Recoveries		126	574
Allowance for loan losses: Provision (Credit)		160	790
Allowance for loan losses: Ending balance		4,383	4,896	4,489
Allowance for loan losses: Individually evaluated for impairment					552	988
Allowance for loan losses: Collectively evaluated for impairment					3,831	3,908
Allowance for loan losses: Total		4,896	4,489	4,489	4,383	4,896
Loans: Individually evaluated for impairment					5,322	5,718
Loans: Collectively evaluated for impairment					139,008	123,738
Loans: Total					$ 144,330	$ 129,456
Home Equities [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance		$ 819	878
Allowance for loan losses: Charge-offs			$ (2)
Allowance for loan losses: Recoveries
Allowance for loan losses: Provision (Credit)		$ (448)	$ (57)
Allowance for loan losses: Ending balance		371	819	878
Allowance for loan losses: Individually evaluated for impairment
Allowance for loan losses: Collectively evaluated for impairment					$ 371	$ 819
Allowance for loan losses: Total		819	878	878	371	819
Loans: Individually evaluated for impairment					1,644	911
Loans: Collectively evaluated for impairment					59,398	59,037
Loans: Total					61,042	59,948
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	[1]	5,650	4,912
Allowance for loan losses: Charge-offs	[1]	(139)	(57)
Allowance for loan losses: Recoveries	[1]	44	58
Allowance for loan losses: Provision (Credit)	[1]	1,580	737
Allowance for loan losses: Ending balance	[1]	7,135	5,650	4,912
Allowance for loan losses: Individually evaluated for impairment	[1]				1,146	274
Allowance for loan losses: Collectively evaluated for impairment	[1]				5,989	5,376
Allowance for loan losses: Total	[1]	5,650	4,912	4,912	7,135	5,650
Loans: Individually evaluated for impairment	[1]				9,993	5,817
Loans: Collectively evaluated for impairment	[1]				450,718	398,421
Loans: Total	[1]				460,711	404,238
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	[2]	78	37
Allowance for loan losses: Charge-offs	[2]	(43)	(46)
Allowance for loan losses: Recoveries	[2]	9	40
Allowance for loan losses: Provision (Credit)	[2]	41	47
Allowance for loan losses: Ending balance	[2]	85	78	37
Allowance for loan losses: Individually evaluated for impairment	[2]				42	48
Allowance for loan losses: Collectively evaluated for impairment	[2]				43	30
Allowance for loan losses: Total	[2]	78	37	37	85	78
Loans: Individually evaluated for impairment	[2]				42	48
Loans: Collectively evaluated for impairment	[2]				1,693	2,120
Loans: Total	[2]				1,735	2,168
Residential Mortgages [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	[1]	941	$ 1,038
Allowance for loan losses: Charge-offs	[1]	(66)
Allowance for loan losses: Recoveries	[1]	2	$ 18
Allowance for loan losses: Provision (Credit)	[1]	32	(115)
Allowance for loan losses: Ending balance	[1]	909	941	1,038
Allowance for loan losses: Individually evaluated for impairment	[1]				2	3
Allowance for loan losses: Collectively evaluated for impairment	[1]				907	938
Allowance for loan losses: Total	[1]	$ 941	$ 1,038	$ 1,038	909	941
Loans: Individually evaluated for impairment	[1]				2,499	2,535
Loans: Collectively evaluated for impairment	[1]				102,988	96,560
Loans: Total	[1]				$ 105,487	$ 99,095
Direct Financing Leases [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance
Allowance for loan losses: Charge-offs
Allowance for loan losses: Recoveries			$ 173
Allowance for loan losses: Provision (Credit)			$ (173)
Allowance for loan losses: Ending balance
Allowance for loan losses: Individually evaluated for impairment
Allowance for loan losses: Collectively evaluated for impairment
Allowance for loan losses: Total
Loans: Individually evaluated for impairment
Loans: Collectively evaluated for impairment
Loans: Total
Unallocated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance		$ 149	$ 149
Allowance for loan losses: Charge-offs
Allowance for loan losses: Recoveries
Allowance for loan losses: Provision (Credit)		$ (149)
Allowance for loan losses: Ending balance			$ 149	$ 149
Allowance for loan losses: Individually evaluated for impairment
Allowance for loan losses: Collectively evaluated for impairment						$ 149
Allowance for loan losses: Total		$ 149	$ 149	$ 149		$ 149
Loans: Individually evaluated for impairment
Loans: Collectively evaluated for impairment
Loans: Total
[1]	includes construction loans
[2]	includes other loans

Loans And The Allowance For L58

Loans And The Allowance For Loan Losses (Data, At Class Level, Of Credit Quality Indicators Of Certain Loans) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	$ 773,305	$ 694,905
Commercial Real Estate: Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	60,892	40,986
Commercial Real Estate: Construction [Member] | Corporate Credit Exposure—By Credit Rating 3 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	42,383	29,421
Commercial Real Estate: Construction [Member] | Corporate Credit Exposure—By Credit Rating 4 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	13,098	10,492
Commercial Real Estate: Construction [Member] | Corporate Credit Exposure—By Credit Rating 5 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	1,224	$ 1,073
Commercial Real Estate: Construction [Member] | Corporate Credit Exposure—By Credit Rating 6 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	$ 4,187
Commercial Real Estate: Construction [Member] | Corporate Credit Exposure—By Credit Rating 7 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans
Commercial Real Estate: Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	$ 399,819	$ 363,252
Commercial Real Estate: Commercial [Member] | Corporate Credit Exposure—By Credit Rating 3 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	340,837	299,798
Commercial Real Estate: Commercial [Member] | Corporate Credit Exposure—By Credit Rating 4 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	40,019	50,691
Commercial Real Estate: Commercial [Member] | Corporate Credit Exposure—By Credit Rating 5 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	11,772	7,853
Commercial Real Estate: Commercial [Member] | Corporate Credit Exposure—By Credit Rating 6 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	$ 7,191	4,757
Commercial Real Estate: Commercial [Member] | Corporate Credit Exposure—By Credit Rating 7 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		153
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	$ 144,330	129,456
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating 3 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	80,379	83,789
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating 4 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	47,509	30,223
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating 5 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	8,973	8,662
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating 6 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	7,350	6,613
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating 7 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	119	169
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	460,711	404,238
Commercial Real Estate [Member] | Corporate Credit Exposure—By Credit Rating 3 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	383,220	329,219
Commercial Real Estate [Member] | Corporate Credit Exposure—By Credit Rating 4 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	53,117	61,183
Commercial Real Estate [Member] | Corporate Credit Exposure—By Credit Rating 5 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	12,996	8,926
Commercial Real Estate [Member] | Corporate Credit Exposure—By Credit Rating 6 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	$ 11,378	4,757
Commercial Real Estate [Member] | Corporate Credit Exposure—By Credit Rating 7 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		$ 153

Loans And The Allowance For L59

Loans And The Allowance For Loan Losses (Recorded Investment In Loans Past Due) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 6,346	$ 11,133
Current Balance	766,959	683,772
Total Balance	773,305	694,905
90+ Days Accruing	497	201
Non-accruing Loans	15,545	10,390
30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	3,162	5,817
60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,825	3,454
90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,359	1,862
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	450	487
Current Balance	143,880	128,969
Total Balance	144,330	$ 129,456
90+ Days Accruing	40
Non-accruing Loans	5,312	$ 5,500
Commercial And Industrial [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	160	153
Commercial And Industrial [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	224	60
Commercial And Industrial [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	66	274
Residential Real Estate: Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,793	1,688
Current Balance	102,148	96,686
Total Balance	$ 103,941	$ 98,374
90+ Days Accruing
Non-accruing Loans	$ 1,400	$ 1,296
Residential Real Estate: Residential [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	822	848
Residential Real Estate: Residential [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	402	158
Residential Real Estate: Residential [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 569	$ 682
Residential Real Estate: Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Current Balance	$ 1,546	$ 721
Total Balance	$ 1,546	$ 721
90+ Days Accruing
Non-accruing Loans
Residential Real Estate: Construction [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Residential Real Estate: Construction [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Residential Real Estate: Construction [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Commercial Real Estate: Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 3,339	$ 7,829
Current Balance	396,480	355,423
Total Balance	399,819	$ 363,252
90+ Days Accruing	457
Non-accruing Loans	3,574	$ 3,162
Commercial Real Estate: Commercial [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,919	4,201
Commercial Real Estate: Commercial [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	963	3,115
Commercial Real Estate: Commercial [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 457	513
Commercial Real Estate: Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		209
Current Balance	$ 60,892	40,777
Total Balance	$ 60,892	40,986
90+ Days Accruing		$ 201
Non-accruing Loans	$ 4,187
Commercial Real Estate: Construction [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		$ 8
Commercial Real Estate: Construction [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Commercial Real Estate: Construction [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		$ 201
Home Equities [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 756	906
Current Balance	60,286	59,042
Total Balance	$ 61,042	$ 59,948
90+ Days Accruing
Non-accruing Loans	$ 1,058	$ 415
Home Equities [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	253	594
Home Equities [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	236	120
Home Equities [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	267	192
Consumer Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	8	14
Current Balance	1,588	1,750
Total Balance	$ 1,596	$ 1,764
90+ Days Accruing
Non-accruing Loans	$ 14	$ 17
Consumer Loans [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 8	13
Consumer Loans [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		$ 1
Consumer Loans [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Current Balance	$ 139	$ 404
Total Balance	$ 139	$ 404
90+ Days Accruing
Non-accruing Loans
Other [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Other [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Other [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due

Loans And The Allowance For L60

Loans And The Allowance For Loan Losses (Data, At Class Level, Of Impaired Loans) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	$ 10,560	$ 7,369
Impaired Loans, Recorded Investment, With a related allowance recorded	8,940	7,660
Impaired Loans, Recorded Investment, Total	19,500	15,029
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	10,819	7,689
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	9,231	7,864
Impaired Loans, Unpaid Principal Balance, Total	20,050	15,553
Impaired Loans, Related Allowance	1,742	1,313
Impaired Loans, Average Recorded Investment, With no related allowance recorded	10,844	7,592
Impaired Loans, Average Recorded Investment, With a related allowance recorded	9,337	7,729
Impaired Loans, Average Recorded Investment, Total	20,181	15,321
Impaired Loans, Interest Income Foregone, With no related allowance recorded	215	96
Impaired Loans, Interest Income Foregone, With a related allowance recorded	291	185
Impaired Loans, Interest Income Foregone, Total	506	281
Impaired Loans, Interest Income Recognized, With no related allowance recorded	372	291
Impaired Loans, Interest Income Recognized, With a related allowance recorded	225	290
Impaired Loans, Interest Income Recognized, Total	597	581
Commercial And Industrial [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	1,750	1,017
Impaired Loans, Recorded Investment, With a related allowance recorded	3,572	4,701
Impaired Loans, Recorded Investment, Total	5,322	5,718
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	1,811	1,022
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	3,835	4,734
Impaired Loans, Unpaid Principal Balance, Total	5,646	5,756
Impaired Loans, Related Allowance	552	988
Impaired Loans, Average Recorded Investment, With no related allowance recorded	1,945	1,096
Impaired Loans, Average Recorded Investment, With a related allowance recorded	3,966	4,701
Impaired Loans, Average Recorded Investment, Total	5,911	5,797
Impaired Loans, Interest Income Foregone, With no related allowance recorded	58	9
Impaired Loans, Interest Income Foregone, With a related allowance recorded	255	64
Impaired Loans, Interest Income Foregone, Total	313	73
Impaired Loans, Interest Income Recognized, With no related allowance recorded	47	66
Impaired Loans, Interest Income Recognized, With a related allowance recorded	9	234
Impaired Loans, Interest Income Recognized, Total	56	300
Residential Real Estate: Residential [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	2,444	2,264
Impaired Loans, Recorded Investment, With a related allowance recorded	55	271
Impaired Loans, Recorded Investment, Total	2,499	2,535
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	2,555	2,435
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	55	285
Impaired Loans, Unpaid Principal Balance, Total	2,610	2,720
Impaired Loans, Related Allowance	2	3
Impaired Loans, Average Recorded Investment, With no related allowance recorded	2,474	2,271
Impaired Loans, Average Recorded Investment, With a related allowance recorded	55	271
Impaired Loans, Average Recorded Investment, Total	2,529	2,542
Impaired Loans, Interest Income Foregone, With no related allowance recorded	90	37
Impaired Loans, Interest Income Foregone, With a related allowance recorded	1	20
Impaired Loans, Interest Income Foregone, Total	91	57
Impaired Loans, Interest Income Recognized, With no related allowance recorded	63	68
Impaired Loans, Interest Income Recognized, With a related allowance recorded	2
Impaired Loans, Interest Income Recognized, Total	$ 65	$ 68
Residential Real Estate: Construction [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded
Impaired Loans, Recorded Investment, With a related allowance recorded
Impaired Loans, Recorded Investment, Total
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded
Impaired Loans, Unpaid Principal Balance, Total
Impaired Loans, Related Allowance
Impaired Loans, Average Recorded Investment, With no related allowance recorded
Impaired Loans, Average Recorded Investment, With a related allowance recorded
Impaired Loans, Average Recorded Investment, Total
Impaired Loans, Interest Income Foregone, With no related allowance recorded
Impaired Loans, Interest Income Foregone, With a related allowance recorded
Impaired Loans, Interest Income Foregone, Total
Impaired Loans, Interest Income Recognized, With no related allowance recorded
Impaired Loans, Interest Income Recognized, With a related allowance recorded
Impaired Loans, Interest Income Recognized, Total
Commercial Real Estate: Commercial [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	$ 3,888	$ 2,103
Impaired Loans, Recorded Investment, With a related allowance recorded	1,083	2,640
Impaired Loans, Recorded Investment, Total	4,971	4,743
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	3,908	2,208
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	1,083	2,785
Impaired Loans, Unpaid Principal Balance, Total	4,991	4,993
Impaired Loans, Related Allowance	235	274
Impaired Loans, Average Recorded Investment, With no related allowance recorded	3,930	2,139
Impaired Loans, Average Recorded Investment, With a related allowance recorded	1,083	2,708
Impaired Loans, Average Recorded Investment, Total	5,013	4,847
Impaired Loans, Interest Income Foregone, With no related allowance recorded	27	33
Impaired Loans, Interest Income Foregone, With a related allowance recorded	4	96
Impaired Loans, Interest Income Foregone, Total	31	129
Impaired Loans, Interest Income Recognized, With no related allowance recorded	179	91
Impaired Loans, Interest Income Recognized, With a related allowance recorded	42	50
Impaired Loans, Interest Income Recognized, Total	221	141
Commercial Real Estate: Construction [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	834	$ 1,074
Impaired Loans, Recorded Investment, With a related allowance recorded	4,188
Impaired Loans, Recorded Investment, Total	5,022	$ 1,074
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	834	$ 1,074
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	4,201
Impaired Loans, Unpaid Principal Balance, Total	5,035	$ 1,074
Impaired Loans, Related Allowance	911
Impaired Loans, Average Recorded Investment, With no related allowance recorded	834	$ 1,169
Impaired Loans, Average Recorded Investment, With a related allowance recorded	4,188
Impaired Loans, Average Recorded Investment, Total	5,022	$ 1,169
Impaired Loans, Interest Income Foregone, With a related allowance recorded	29
Impaired Loans, Interest Income Foregone, Total	29
Impaired Loans, Interest Income Recognized, With no related allowance recorded	31	$ 44
Impaired Loans, Interest Income Recognized, With a related allowance recorded	166
Impaired Loans, Interest Income Recognized, Total	197	$ 44
Home Equities [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	$ 1,644	$ 911
Impaired Loans, Recorded Investment, With a related allowance recorded
Impaired Loans, Recorded Investment, Total	$ 1,644	$ 911
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	$ 1,711	$ 950
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded
Impaired Loans, Unpaid Principal Balance, Total	$ 1,711	$ 950
Impaired Loans, Related Allowance
Impaired Loans, Average Recorded Investment, With no related allowance recorded	$ 1,661	$ 917
Impaired Loans, Average Recorded Investment, With a related allowance recorded
Impaired Loans, Average Recorded Investment, Total	$ 1,661	$ 917
Impaired Loans, Interest Income Foregone, With no related allowance recorded	$ 40	$ 17
Impaired Loans, Interest Income Foregone, With a related allowance recorded
Impaired Loans, Interest Income Foregone, Total	$ 40	$ 17
Impaired Loans, Interest Income Recognized, With no related allowance recorded	$ 52	$ 22
Impaired Loans, Interest Income Recognized, With a related allowance recorded
Impaired Loans, Interest Income Recognized, Total	$ 52	$ 22
Consumer Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded
Impaired Loans, Recorded Investment, With a related allowance recorded	$ 42	$ 48
Impaired Loans, Recorded Investment, Total	$ 42	$ 48
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	$ 57	$ 60
Impaired Loans, Unpaid Principal Balance, Total	57	60
Impaired Loans, Related Allowance	$ 42	$ 48
Impaired Loans, Average Recorded Investment, With no related allowance recorded
Impaired Loans, Average Recorded Investment, With a related allowance recorded	$ 45	$ 49
Impaired Loans, Average Recorded Investment, Total	$ 45	$ 49
Impaired Loans, Interest Income Foregone, With no related allowance recorded
Impaired Loans, Interest Income Foregone, With a related allowance recorded	$ 2	$ 5
Impaired Loans, Interest Income Foregone, Total	$ 2	$ 5
Impaired Loans, Interest Income Recognized, With no related allowance recorded
Impaired Loans, Interest Income Recognized, With a related allowance recorded	$ 6	$ 6
Impaired Loans, Interest Income Recognized, Total	$ 6	$ 6
Other [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded
Impaired Loans, Recorded Investment, With a related allowance recorded
Impaired Loans, Recorded Investment, Total
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded
Impaired Loans, Unpaid Principal Balance, Total
Impaired Loans, Related Allowance
Impaired Loans, Average Recorded Investment, With no related allowance recorded
Impaired Loans, Average Recorded Investment, With a related allowance recorded
Impaired Loans, Average Recorded Investment, Total
Impaired Loans, Interest Income Foregone, With no related allowance recorded
Impaired Loans, Interest Income Foregone, With a related allowance recorded
Impaired Loans, Interest Income Foregone, Total
Impaired Loans, Interest Income Recognized, With no related allowance recorded
Impaired Loans, Interest Income Recognized, With a related allowance recorded
Impaired Loans, Interest Income Recognized, Total

Loans And The Allowance For L61

Loans And The Allowance For Loan Losses (Loans Classified As Troubled Debt Restructurings) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Modifications [Line Items]
Troubled restructured loans, Total	$ 5,767	$ 6,586
Troubled restructured loans, Nonaccruing	1,812	1,948
Troubled restructured loans, Accruing	3,955	4,638
Troubled restructured loans, Related Allowance	193	237
Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Troubled restructured loans, Total	517	492
Troubled restructured loans, Nonaccruing	508	274
Troubled restructured loans, Accruing	9	218
Troubled restructured loans, Related Allowance	165	173
Residential Real Estate: Residential [Member]
Financing Receivable, Modifications [Line Items]
Troubled restructured loans, Total	1,789	1,833
Troubled restructured loans, Nonaccruing	689	594
Troubled restructured loans, Accruing	$ 1,100	$ 1,239
Troubled restructured loans, Related Allowance
Residential Real Estate: Construction [Member]
Financing Receivable, Modifications [Line Items]
Troubled restructured loans, Total
Troubled restructured loans, Nonaccruing
Troubled restructured loans, Accruing
Troubled restructured loans, Related Allowance
Commercial Real Estate: Commercial [Member]
Financing Receivable, Modifications [Line Items]
Troubled restructured loans, Total	$ 1,732	$ 2,428
Troubled restructured loans, Nonaccruing	334	847
Troubled restructured loans, Accruing	$ 1,398	1,581
Troubled restructured loans, Related Allowance		33
Commercial Real Estate: Construction [Member]
Financing Receivable, Modifications [Line Items]
Troubled restructured loans, Total	$ 834	$ 1,074
Troubled restructured loans, Nonaccruing
Troubled restructured loans, Accruing	$ 834	$ 1,074
Troubled restructured loans, Related Allowance
Home Equities [Member]
Financing Receivable, Modifications [Line Items]
Troubled restructured loans, Total	$ 867	$ 728
Troubled restructured loans, Nonaccruing	281	233
Troubled restructured loans, Accruing	$ 586	$ 495
Troubled restructured loans, Related Allowance
Consumer Loans [Member]
Financing Receivable, Modifications [Line Items]
Troubled restructured loans, Total	$ 28	$ 31
Troubled restructured loans, Nonaccruing
Troubled restructured loans, Accruing	$ 28	$ 31
Troubled restructured loans, Related Allowance	$ 28	$ 31
Other [Member]
Financing Receivable, Modifications [Line Items]
Troubled restructured loans, Total
Troubled restructured loans, Nonaccruing
Troubled restructured loans, Accruing
Troubled restructured loans, Related Allowance

Loans And The Allowance For L62

Loans And The Allowance For Loan Losses (TDR Activity By Type Of Concession Granted To Borrower) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)contract	Dec. 31, 2014USD ($)contract
Commercial And Industrial [Member] | Deferral Of Principal [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	3	1
Pre-Modification Outstanding Recorded Investment	$ 541	$ 16
Post-Modification Outstanding Recorded Investment	$ 541	$ 16
Commercial And Industrial [Member] | Combination Of Concessions [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract
Pre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment
Home Equities [Member] | Extension Of Maturity [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract		9
Pre-Modification Outstanding Recorded Investment		$ 592
Post-Modification Outstanding Recorded Investment		$ 592
Home Equities [Member] | Extension Of Maturity And Interest Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract		2
Pre-Modification Outstanding Recorded Investment		$ 84
Post-Modification Outstanding Recorded Investment		$ 84
Home Equities [Member] | Combination Of Concessions [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	2
Pre-Modification Outstanding Recorded Investment	$ 166
Post-Modification Outstanding Recorded Investment	$ 166
Consumer Loans [Member] | Interest Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract		1
Pre-Modification Outstanding Recorded Investment		$ 31
Post-Modification Outstanding Recorded Investment		$ 31
Other [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract
Pre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment
Residential Mortgages [Member] | Extension Of Maturity [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract		2
Pre-Modification Outstanding Recorded Investment		$ 615
Post-Modification Outstanding Recorded Investment		$ 615
Residential Mortgages [Member] | Extension Of Maturity And Interest Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract		1
Pre-Modification Outstanding Recorded Investment		$ 208
Post-Modification Outstanding Recorded Investment		$ 208
Commercial Real Estate [Member] | Extension Of Maturity And Interest Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract		1
Pre-Modification Outstanding Recorded Investment		$ 250
Post-Modification Outstanding Recorded Investment		$ 250

Loans And The Allowance For L63

Loans And The Allowance For Loan Losses (Loans Classified As TDRs Which Defaulted) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)contract	Dec. 31, 2014USD ($)contract
Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings That Subsequently Defaulted, Number of Contracts | contract		3
Troubled Debt Restructurings That Subsequently Defaulted, Recorded Investment | $		$ 191
Residential Real Estate: Residential [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings That Subsequently Defaulted, Number of Contracts | contract
Troubled Debt Restructurings That Subsequently Defaulted, Recorded Investment | $
Residential Real Estate: Construction [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings That Subsequently Defaulted, Number of Contracts | contract
Troubled Debt Restructurings That Subsequently Defaulted, Recorded Investment | $
Commercial Real Estate: Commercial [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings That Subsequently Defaulted, Number of Contracts | contract		1
Troubled Debt Restructurings That Subsequently Defaulted, Recorded Investment | $		$ 250
Commercial Real Estate: Construction [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings That Subsequently Defaulted, Number of Contracts | contract
Troubled Debt Restructurings That Subsequently Defaulted, Recorded Investment | $
Home Equities [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings That Subsequently Defaulted, Number of Contracts | contract	1	1
Troubled Debt Restructurings That Subsequently Defaulted, Recorded Investment | $	$ 66	$ 54
Consumer Loans [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings That Subsequently Defaulted, Number of Contracts | contract
Troubled Debt Restructurings That Subsequently Defaulted, Recorded Investment | $
Other [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings That Subsequently Defaulted, Number of Contracts | contract
Troubled Debt Restructurings That Subsequently Defaulted, Recorded Investment | $

Properties And Equipment (Detai

Properties And Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Property, Plant and Equipment [Line Items]
Properties and equipment, gross	$ 26,850	$ 25,353
Less accumulated depreciation	(15,799)	(15,129)
Properties and equipment, net	11,051	10,224
Depreciation expense	1,000	1,100	$ 1,100
Land [Member]
Property, Plant and Equipment [Line Items]
Properties and equipment, gross	268	268
Buildings And Improvements [Member]
Property, Plant and Equipment [Line Items]
Properties and equipment, gross	12,867	12,088
Construction In Progress [Member]
Property, Plant and Equipment [Line Items]
Properties and equipment, gross	271	2
Furniture, Fixtures and Equipment [Member]
Property, Plant and Equipment [Line Items]
Properties and equipment, gross	$ 13,444	$ 12,995

Other Assets (Details)

Other Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Other Assets [Abstract]
Net deferred tax asset	$ 6,857	$ 7,661
Accrued interest receivable	2,682	2,417
Prepaid expenses	817	713
Mortgage servicing rights	557	518
Other	2,801	2,674
Total other assets	$ 13,714	$ 13,983

Goodwill And Intangible Assets

Goodwill And Intangible Assets (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Goodwill and Intangible Assets [Abstract]
Goodwill	$ 8,101,000	$ 8,101,000
Goodwill impairment	$ 0	0
Amortization of intangibles		$ 108,000	$ 221,000

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Regulatory Matters [Abstract]
Time Deposits, $100,000 or More	$ 40.1	$ 47.7
Overdrawn deposit accounts classified as loans	0.2	0.1
Brokered time deposits	$ 1.2	$ 1.2

Deposits (Schedule Of Maturitie

Deposits (Schedule Of Maturities Of Time Deposits) (Details) $ in Thousands	Dec. 31, 2015USD ($)
Regulatory Matters [Abstract]
2,016	$ 37,388
2,017	18,497
2,018	7,723
2,019	13,572
2020 and later	19,037
Time deposits maturities, Total	$ 96,217

Borrowed Funds And Junior Sub69

Borrowed Funds And Junior Subordinated Debentures (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Debt Instrument [Line Items]
Other borrowings	$ 10,000	$ 13,700	$ 9,000
FHLB advances fixed interest rate	1.73%
FHLB advances maturity year	2,020
FHLB advances available	$ 200,000
Junior subordinated debentures	$ 11,330	11,330
3.03% Junior Subordinated Debentures [Member]
Debt Instrument [Line Items]
Debt maturity date	Oct. 1, 2037
Debt interest rate	3.03%
3.03% Junior Subordinated Debentures [Member] | Capital Securities [Member]
Debt Instrument [Line Items]
Debt issuance date	Oct. 1, 2004
Debt maturity date	Nov. 23, 2034
Debt interest rate	3.03%
Junior subordinated debentures	$ 11,000
3.03% Junior Subordinated Debentures [Member] | Common Stock [Member]
Debt Instrument [Line Items]
Junior subordinated debentures	$ 330
Federal Funds Purchased [Member]
Debt Instrument [Line Items]
Other borrowings		$ 13,700
FHLB advances available	$ 14,000
LIBOR [Member] | 3.03% Junior Subordinated Debentures [Member] | Capital Securities [Member]
Debt Instrument [Line Items]
Basis spread on variable rate	2.65%

Borrowed Funds And Junior Sub70

Borrowed Funds And Junior Subordinated Debentures (Schedule Of Amounts And Interest Rates Of Other Borrowed Funds) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Short-term Debt [Line Items]
Amount outstanding	$ 10,000	$ 13,700	$ 9,000
Weighted-average interest rate	1.73%	0.32%	3.41%
Daily average amount outstanding	$ 9,655	$ 8,938	$ 6,167
Weighted-average interest rate	1.41%	2.09%	3.41%
Other Borrowings [Member]
Short-term Debt [Line Items]
Amount outstanding	$ 10,000		$ 9,000
Weighted-average interest rate	1.73%		3.41%
Highest amount at a monthend	$ 10,000	$ 9,000	$ 10,000
Daily average amount outstanding	$ 7,151	$ 5,000	$ 6,167
Weighted-average interest rate	1.79%	3.54%	3.41%
Federal Funds Purchased [Member]
Short-term Debt [Line Items]
Amount outstanding		$ 13,700
Weighted-average interest rate		0.32%
Highest amount at a monthend	$ 17,700	$ 13,700
Daily average amount outstanding	$ 2,504	$ 3,938
Weighted-average interest rate	0.33%	0.25%

Securities Sold Under Agreeme71

Securities Sold Under Agreements To Repurchase (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Securities Sold Under Agreements To Repurchase [Abstract]
Securities sold under agreement to repurchase	$ 10,821	$ 13,778

Comprehensive Income (Loss) (Sc

Comprehensive Income (Loss) (Schedule Of Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	$ (1,508)	$ (1,263)	$ 101
Net Change	(302)	(245)	(1,364)
Ending Balance	(1,810)	(1,508)	(1,263)
Net Unrealized Gain (Loss) On Investment Securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	911	191	2,457
Net Change	(436)	720	(2,266)
Ending Balance	475	911	191
Net Defined Benefit Pension Plan Adjustments [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	(2,419)	(1,454)	(2,356)
Net Change	134	(965)	902
Ending Balance	$ (2,285)	$ (2,419)	$ (1,454)

Comprehensive Income (Loss) (Co

Comprehensive Income (Loss) (Components Of Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Comprehensive Income (Loss) [Abstract]
Unrealized gain (loss) on investment securities, Before-Tax Amount		$ (719)	$ 1,173	$ (3,697)
Reclassification from accumulated other comprehensive income for gains (losses), Before-Tax Amount
Net change, Before-Tax Amount		$ (719)	$ 1,173	$ (3,697)
Net actuarial gain (loss), Before-Tax Amount
Amortization of prior service cost, Before-Tax Amount	[1]	$ 31	$ 31	$ 69
Amortization of actuarial loss, Before-Tax Amount	[1]	201	105	177
Actuarial gains (losses), Before-Tax Amount		5	(1,710)	1,226
Net change, Before-Tax Amount		237	(1,574)	1,472
Other Comprehensive Loss, Before-Tax Amount		(482)	(401)	(2,225)
Unrealized gain (loss) on investment securities, Income Tax (Provision) Benefit		$ 283	$ (453)	$ 1,431
Reclassification from other comprehensive income from gains (losses), Income Tax (Provision) Benefit
Net change, Income Tax (Provision) Benefit		$ 283	$ (453)	$ 1,431
Net actuarial gain (loss), Income Tax (Provision) Benefit
Amortization of prior service cost, Income Tax (Provision) Benefit	[1]	$ (12)	$ (12)	$ (27)
Amortization of actuarial loss, Income Tax (Provision) Benefit	[1]	(76)	(41)	(69)
Actuarial gains (losses), Income Tax (Provision) Benefit		(15)	662	(474)
Net change, Income Tax (Provision) Benefit		(103)	609	(570)
Other Comprehensive Loss, Income Tax (Provision) Benefit		180	156	861
Unrealized gain (loss) on investment securities, Net-of-Tax Amount		$ (436)	$ 720	$ (2,266)
Reclassification from accumulated other comprehensive income for gains (losses), Net-of-Tax Amount
Net change, Net-of-Tax Amount		$ (436)	$ 720	$ (2,266)
Net actuarial gain (loss), Net-of-Tax Amount
Amortization of prior service cost, Net-of-Tax Amount	[1]	$ 19	$ 19	$ 42
Amortization of actuarial loss, Net-of-Tax Amount	[1]	125	64	108
Actuarial gains (losses), Net-of-Tax Amount		(10)	(1,048)	752
Net change, Net-of-Tax Amount		134	(965)	902
OTHER COMPREHENSIVE INCOME (LOSS), NET OF TAX		$ (302)	$ (245)	$ (1,364)
[1]	Included in net periodic pension cost as described in Note 11 - "Employee Benefits and Deferred Compensation Plans"

Employee Benefits And Deferre74

Employee Benefits And Deferred Compensation Plans (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)item	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)
Defined Benefit Plan Disclosure [Line Items]
Expected long-term rate of return on plan assets	7.50%
Cash contributed to pension plan	$ 165	$ 110	$ 185
Company contribution in the next fiscal year	$ 140
Number of highest consecutive years	5 years
Number of SERP plans | item	2
Cash surrender value of bank-owned life insurance contracts	$ 20,978	$ 20,415
Pension Plans [Member]
Defined Benefit Plan Disclosure [Line Items]
Amounts to be amortized from accumulated other comprehensive loss into net periodic cost for actuarial losses	$ 88
Expected long-term rate of return on plan assets	7.50%	7.50%	7.50%
Discount rate for projected benefit obligation	4.17%	3.83%	4.78%
Compensation cost	$ 751	$ 719	$ 629
Benefit obligation	$ 5,384	$ 5,437	$ 4,395
Vesting period of employer contributions	6 years
Supplemental Executive Retirement Plans [Member]
Defined Benefit Plan Disclosure [Line Items]
Amounts to be amortized from accumulated other comprehensive loss into net periodic cost for prior service costs	$ 31
Amounts to be amortized from accumulated other comprehensive loss into net periodic cost for actuarial losses	$ 136
Discount rate for projected benefit obligation	3.38%	3.30%	4.15%
Required benefit service period	10 years
Benefit obligation	$ 4,349	$ 4,555	$ 3,923
Supplemental Executive Retirement Plans [Member] | Minimum [Member]
Defined Benefit Plan Disclosure [Line Items]
Required benefit service period	15 years
Percentage of participants salary used to determine accrued benefit	25.00%
Supplemental Executive Retirement Plans [Member] | Maximum [Member]
Defined Benefit Plan Disclosure [Line Items]
Required benefit service period	20 years
Percentage of participants salary used to determine accrued benefit	35.00%
Non-Qualified Deferred Compensation Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Compensation cost	$ 6	9	12
Benefit obligation	100	100
Non-Qualified Executive Insentive Retirement Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Compensation cost	105	210	$ 248
Benefit obligation	$ 2,200	$ 2,000
Equity Securities [Member] | Minimum [Member]
Defined Benefit Plan Disclosure [Line Items]
Expected long-term rate of return on plan assets	9.00%
Equity Securities [Member] | Maximum [Member]
Defined Benefit Plan Disclosure [Line Items]
Expected long-term rate of return on plan assets	10.00%
Equity Securities [Member] | Normal Market Conditions [Member] | Minimum [Member]
Defined Benefit Plan Disclosure [Line Items]
Expected long-term rate of return on plan assets	60.00%
Equity Securities [Member] | Normal Market Conditions [Member] | Maximum [Member]
Defined Benefit Plan Disclosure [Line Items]
Expected long-term rate of return on plan assets	80.00%
Fixed Income Securities [Member] | Minimum [Member]
Defined Benefit Plan Disclosure [Line Items]
Expected long-term rate of return on plan assets	5.00%
Fixed Income Securities [Member] | Maximum [Member]
Defined Benefit Plan Disclosure [Line Items]
Expected long-term rate of return on plan assets	6.00%
Fixed Income Securities [Member] | Normal Market Conditions [Member] | Minimum [Member]
Defined Benefit Plan Disclosure [Line Items]
Expected long-term rate of return on plan assets	20.00%
Fixed Income Securities [Member] | Normal Market Conditions [Member] | Maximum [Member]
Defined Benefit Plan Disclosure [Line Items]
Expected long-term rate of return on plan assets	40.00%

Employee Benefits And Deferre75

Employee Benefits And Deferred Compensation Plans (Schedule Of Defined Benefit Plans Disclosures, Employee Pension Plan) (Details) - Pension Plans [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Change in benefit obligation:
Benefit obligation at the beginning of the year	$ 5,437	$ 4,395
Service cost
Interest cost	$ 205	$ 206	$ 192
Assumption change	(61)	976
Actuarial (gain) loss	(4)	24
Benefits paid	(193)	(164)
Benefit obligation at the end of the year	5,384	5,437	4,395
Change in plan assets:
Fair value of plan assets at beginning of year	4,201	4,162
Actual return on plan assets	(106)	93
Employer contributions	165	110
Benefits paid	(193)	(164)
Fair value of plan assets at end of year	4,067	4,201	$ 4,162
Funded status	(1,317)	(1,236)
Accrued benefit liabilities	(1,317)	(1,236)
Net actuarial loss	$ 2,390	$ 2,112
Prior service cost
Net amount recognized in equity – pre-tax	$ 2,390	$ 2,112
Net amount recognized on Consolidated Balance Sheets in Other Liabilities	1,073	876
Accumulated benefit obligation at year end	$ 5,384	$ 5,437

Employee Benefits And Deferre76

Employee Benefits And Deferred Compensation Plans (Schedule Of Assumptions Used, Employee Pension Plan) (Details)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Defined Benefit Plan Disclosure [Line Items]
Expected long-term rate of return on plan assets	7.50%
Pension Plans [Member]
Defined Benefit Plan Disclosure [Line Items]
Discount rate for projected benefit obligation	4.17%	3.83%	4.78%
Discounted rate for net periodic pension cost	3.83%	4.78%	3.88%
Rate of increase in compensation levels
Expected long-term rate of return on plan assets	7.50%	7.50%	7.50%

Employee Benefits And Deferre77

Employee Benefits And Deferred Compensation Plans (Schedule Of Net Periodic Benefit Costs, Employee Pension Plan) (Details) - Pension Plans [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Defined Benefit Plan Disclosure [Line Items]
Service cost
Interest cost	$ 205	$ 206	$ 192
Expected return on plan assets	(308)	(307)	(260)
Net amortization and deferral	71	22	65
Net periodic benefit cost	$ (32)	$ (79)	$ (3)

Employee Benefits And Deferre78

Employee Benefits And Deferred Compensation Plans (Schedule Of Target Plan Asset Allocations) (Details) - Pension Plans [Member]	Dec. 31, 2015	Dec. 31, 2014
Defined Benefit Plan Disclosure [Line Items]
Weighted average plan asset allocations	100.00%	100.00%
Equity Mutual Funds [Member]
Defined Benefit Plan Disclosure [Line Items]
Weighted average plan asset allocations	73.51%	77.80%
Fixed Income Mutual Funds [Member]
Defined Benefit Plan Disclosure [Line Items]
Weighted average plan asset allocations	18.64%	19.30%
Cash/Short-Term Investments [Member]
Defined Benefit Plan Disclosure [Line Items]
Weighted average plan asset allocations	7.85%	2.90%

Employee Benefits And Deferre79

Employee Benefits And Deferred Compensation Plans (Schedule of Allocation Of Plan Assets) (Details) - Pension Plans [Member] - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Defined Benefit Plan Disclosure [Line Items]
Plan assets	$ 4,067	$ 4,201	$ 4,162
Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	4,067	4,201
Cash [Member] | Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	44
Money Market [Member] | Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	275	121
Equities, Small Cap [Member] | Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	375	402
Real Estate [Member] | Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	234	241
International Large Cap [Member] | Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	757	818
Emerging Markets [Member] | Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	388	480
Currency [Member] | Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	177	195
Commodity [Member] | Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	35	51
Bonds [Member] | Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	394	413
Bank Loans [Member] | Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	187	202
Exchange-Traded Funds (ETFs), Large Cap [Member] | Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	844	890
Exchange-Traded Funds (ETFs), Mid Cap [Member] | Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	$ 357	$ 388

Employee Benefits And Deferre80

Employee Benefits And Deferred Compensation Plans (Estimated Future Benefit Payments, Employee Pension Plan) (Details) - Pension Plans [Member] $ in Thousands	Dec. 31, 2015USD ($)
Defined Benefit Plan Disclosure [Line Items]
2,016	$ 201
2,017	199
2,018	208
2,019	208
2,020	207
2021 - 2025	$ 1,416

Employee Benefits And Deferre81

Employee Benefits And Deferred Compensation Plans (Schedule Of Defined Benefit Plans Disclosures, SERP) (Details) - Supplemental Executive Retirement Plans [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Change in benefit obligation:
Benefit obligation at the beginning of the year	$ 4,555	$ 3,923
Service cost	194	168	$ 165
Interest cost	146	159	125
Actuarial (gain) loss	(354)	497
Benefits paid	(192)	(192)
Benefit obligation at the end of the year	$ 4,349	$ 4,555	$ 3,923
Change in plan assets:
Fair value of plan assets at beginning of year
Actual return on plan assets
Employer contributions	$ 192	$ 192
Benefits paid	$ (192)	$ (192)
Fair value of plan assets at end of year
Funded status	$ (4,349)	$ (4,555)
Accrued benefit liabilities	(4,349)	(4,555)
Net actuarial loss	1,117	1,601
Prior service cost	218	249
Net amount recognized in equity – pre-tax	1,335	1,850
Net amount recognized on Consolidated Balance Sheets in Other Liabilities	(3,014)	(2,705)
Accumulated benefit obligation at year end	$ 3,876	$ 3,944

Employee Benefits And Deferre82

Employee Benefits And Deferred Compensation Plans (Schedule Of Assumptions Used, SERP) (Details) - Supplemental Executive Retirement Plans [Member]	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Defined Benefit Plan Disclosure [Line Items]
Discount rate for projected benefit obligation	3.38%	3.30%	4.15%
Discounted rate for net periodic pension cost	3.30%	4.15%	3.17%
Salary scale	3.50%	3.50%	3.50%

Employee Benefits And Deferre83

Employee Benefits And Deferred Compensation Plans (Schedule Of Net Periodic Benefit Costs, SERP) (Details) - Supplemental Executive Retirement Plans [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Defined Benefit Plan Disclosure [Line Items]
Service cost	$ 194	$ 168	$ 165
Interest cost	146	159	125
Net amortization and deferral	$ 161	$ 115	180
Settlement charge			105
Net periodic benefit cost	$ 501	$ 442	$ 575

Employee Benefits And Deferre84

Employee Benefits And Deferred Compensation Plans (Estimated Future Benefit Payments, SERP) (Details) - Supplemental Executive Retirement Plans [Member] $ in Thousands	Dec. 31, 2015USD ($)
Defined Benefit Plan Disclosure [Line Items]
2,016	$ 193
2,017	193
2,018	193
2,019	2,192
2,020	193
2021 - 2025	$ 1,495

Stock-Based Compensation (Narra

Stock-Based Compensation (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)ShareBasedCompensationPlanshares	Dec. 31, 2014USD ($)shares	Dec. 31, 2013USD ($)shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock-based compensation plans | ShareBasedCompensationPlan	2
Unrecognized cost related to options	$ 168
Unrecognized cost related to restricted share-based compensation arrangements	$ 506
Shares issued in Employee Stock Purchase Plan | shares	10,574	12,821	13,455
Employee [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, cost recognized	$ 318	$ 293	$ 280
Director [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, cost recognized	$ 106	$ 83	$ 72
2009 Long-Term Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized | shares	629,796
Number of shares available for grant | shares	201,899
Purchase price of stock as a percentage of it's fair market value	100.00%
Expected term	6 years 4 months 10 days	6 years 4 months 10 days	6 years 4 months 10 days
2009 Long-Term Equity Incentive Plan [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	5 years
Expected term	10 years
2009 Long-Term Equity Incentive Plan [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	12 months
Employee Stock Purchase Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, cost recognized	$ 71	$ 89	$ 67
Expected term	6 months	6 months	6 months
Number of shares available for issuance | shares	133,150
Purchase price of stock as a percentage of lower grant date or exercise date price	85.00%
Maximum employee subscription rate	15.00%

Stock-Based Compensation (Sched

Stock-Based Compensation (Schedule Of Stock Options Valuation Assumptions) (Details) - 2009 Long-Term Equity Incentive Plan [Member] - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Dividend Yield	2.93%	2.70%	2.72%
Expected Life (years)	6 years 4 months 10 days	6 years 4 months 10 days	6 years 4 months 10 days
Expected Volatility	19.62%	20.76%	20.58%
Risk-free Interest Rate	1.90%	2.11%	1.16%
Weighted Average Fair Value	$ 3.49	$ 3.64	$ 2.48

Stock-Based Compensation (Sch87

Stock-Based Compensation (Schedule Of Stock Options Activity) (Details) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)$ / sharesshares
Stock-Based Compensation [Abstract]
Options Balance, Beginning | shares	236,692
Options Granted | shares	38,630
Options Exercised | shares	(48,849)
Options Expired | shares	(2,950)
Options Forfeited | shares	(9,228)
Options Balance, Ending | shares	214,295
Options Exercisable, Ending | shares	141,761
Weighted Average Exercise Price, Balance, Beginning | $ / shares	$ 16.17
Weighted Average Exercise Price, Granted | $ / shares	24.72
Weighted Average Exercise Price, Exercised | $ / shares	16.57
Weighted Average Exercise Price, Expired | $ / shares	21.91
Weighted Average Exercise Price, Forfeited | $ / shares	21.80
Weighted Average Exercise Price, Balance, Ending | $ / shares	17.30
Weighted Average Exercise Price, Exercisable, Ending | $ / shares	$ 14.90
Weighted Average Remaining Contractual Term (years), Balance, Ending	5 years 11 months 12 days
Weighted Average Remaining Contractual Term (years), Exercisable, Ending	4 years 8 months 27 days
Aggregate Intrinsic Value, Balance, Ending | $	$ 1,597
Aggregate Intrinsic Value, Balance, Exercisable, Ending | $	$ 1,395

Stock-Based Compensation (Sch88

Stock-Based Compensation (Schedule Of Unrecognized Compensation Cost, Stock Options) (Details) $ in Thousands	Dec. 31, 2015USD ($)
Stock-Based Compensation [Abstract]
2,016	$ 72
2,017	54
2,018	36
2,019	$ 6

Stock-Based Compensation (Sch89

Stock-Based Compensation (Schedule Of Restricted Stock Award Activity) (Details)	12 Months Ended
	Dec. 31, 2015$ / sharesshares
Stock-Based Compensation [Abstract]
Shares Balance, Beginning | shares	28,508
Shares Granted | shares	20,942
Shares Vested | shares	(12,151)
Shares Forfeited | shares	(3,609)
Shares Balance, Ending | shares	33,690
Weighted Average Exercise Price, Balance, Beginning | $ / shares	$ 19.07
Weighted Average Grant Date Fair Value, Granted | $ / shares	24.48
Weighted Average Grant Date Fair Value, Vested | $ / shares	19.27
Weighted Average Grant Date Fair Value, Forfeited | $ / shares	22.62
Weighted Average Exercise Price, Balance, Ending | $ / shares	$ 21.98

Stock-Based Compensation (Sch90

Stock-Based Compensation (Schedule Of Unrecognized Compensation Cost) (Details) $ in Thousands	Dec. 31, 2015USD ($)
Stock-Based Compensation [Abstract]
2,016	$ 213
2,017	164
2,018	110
2,019	$ 19

Stock-Based Compensation (Sch91

Stock-Based Compensation (Schedule Of Activity Under Share Based Compensation Plans) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Stock-Based Compensation [Abstract]
Total intrinsic value of stock options exercised	$ 409	$ 287	$ 30
Total fair value of restricted stock awards vested	$ 287	$ 273	$ 136

Stock-Based Compensation (Sch92

Stock-Based Compensation (Schedule Of Employee Stock Purchase Plan Valuation Assumptions) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted Average Fair Value	$ 21.98	$ 19.07
Employee Stock Purchase Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Dividend Yield	3.01%	2.95%	3.00%
Expected Life (years)	6 months	6 months	6 months
Expected Volatility	16.47%	22.41%	14.21%
Risk-free Interest Rate	0.19%	0.08%	0.11%
Weighted Average Fair Value	$ 6.92	$ 6.56	$ 4.80

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Tax Contingency [Line Items]
Valuation allowance	$ 293	$ 321
Investment in historic tax credit	452	513
Accrued income tax penalties and interest	$ 0	$ 0	$ 0
New York State [Member] | Earliest Tax Year [Member]
Income Tax Contingency [Line Items]
Tax years subject to examination	2,011
New York State [Member] | Latest Tax Year [Member]
Income Tax Contingency [Line Items]
Tax years subject to examination	2,013
Internal Revenue Service [Member] | Earliest Tax Year [Member]
Income Tax Contingency [Line Items]
Tax years subject to examination	2,011
Internal Revenue Service [Member] | Latest Tax Year [Member]
Income Tax Contingency [Line Items]
Tax years subject to examination	2,013

Income Taxes (Schedule Of Compo

Income Taxes (Schedule Of Components Of Income Tax Provision (Benefit)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Taxes [Abstract]
Current federal tax expense	$ 2,784	$ 2,282	$ 2,184
Current state tax expense (benefit)	3	(118)	(81)
Total current tax expense	2,787	2,164	2,103
Deferred federal tax expense (benefit)	435	(215)	316
Deferred state tax expense (benefit)	545	(1,245)	(688)
Total deferred tax expense (benefit)	980	(1,460)	(372)
Total income tax provision	$ 3,767	$ 704	$ 1,731

Income Taxes (Schedule Of Effec

Income Taxes (Schedule Of Effective Income Tax Rate Reconciliation) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Taxes [Abstract]
Tax provision at statutory rate, Amount	$ 3,947	$ 3,023	$ 3,257
Tax-exempt income, Amount	$ (617)	(558)	(564)
Historic tax credit, Amount		(996)	(559)
State taxes, net of federal benefit, Amount	$ 362	(899)	(508)
Other items, net, Amount	75	134	105
Total income tax provision	$ 3,767	$ 704	$ 1,731
Tax provision at statutory rate, Percent	34.00%	34.00%	34.00%
Tax-exempt income, Percent	(5.00%)	(6.00%)	(6.00%)
Historic tax credit, Percent		(11.00%)	(6.00%)
State taxes, net of federal benefit, Percent	3.00%	(10.00%)	(5.00%)
Other items, net, Percent		1.00%	1.00%
Income tax provision, Percent	32.00%	8.00%	18.00%

Income Taxes (Schedule Of Defer

Income Taxes (Schedule Of Deferred Tax Assets And Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Deferred tax assets:
Pension premiums	$ 2,148	$ 2,213
Allowance for loan and lease losses	4,826	4,690
Non accrued interest		239
Deferred compensation	956	1,040
Litigation accrual	204	374
Loss on investment in tax credit	452	513
Stock options granted	134	129
Net operating loss carryforward	62	88
Historic tax credit carryforward	980	1,196
Leases	156	156
Gross deferred tax assets	9,918	10,638
Deferred tax liabilities:
Depreciation and amortization	1,806	1,398
Prepaid expenses	459	438
Net unrealized gains on securities	291	569
Acquisition-related adjustments		24
Mortgage servicing asset	212	198
Other		29
Gross deferred tax liabilities	2,768	2,656
Valuation allowance	(293)	(321)
Net deferred tax asset	$ 6,857	$ 7,661

Income Taxes (Schedule Of Unrec

Income Taxes (Schedule Of Unrecognized Tax Benefits) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Taxes [Abstract]
Balance at beginning of year			$ 21
Reclassification from deferred taxes for tax position taken during a period
Increases related to tax positions taken during a prior period
Decrease due to the resolution of a prior year tax matter			$ (21)
Decreases related to settlements with taxing authorities
Balance at end of year

Other Liabilities (Details)

Other Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Other Liabilities [Abstract]
Retirement compensation liabilities	$ 7,986	$ 8,316
Accounts payable	2,803	2,995
Historic tax credit investment	911	2,014
Litigation accrual	538	1,000
Interest payable	160	232
Other	320	21
Total other liabilities	$ 12,718	$ 14,578

Related Party Transactions (Det

Related Party Transactions (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Related Party Transactions [Abstract]
Aggregate amount of loans to related party	$ 4.3	$ 3.8
New advances to related party during period	6.5
Related party loans repaid	5.9
Related party deposits	$ 4	$ 1.9

Contingent Liabilities And C100

Contingent Liabilities And Commitments (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Contingent Liabilities And Commitments [Abstract]
Minimum annual rental commitment, 2016	$ 632
Minimum annual rental commitment, 2017	639
Minimum annual rental commitment, 2018	658
Minimum annual rental commitment, 2019	640
Minimum annual rental commitment, 2020	595
Minimum annual rental commitment, thereafter	3,600
Rental expense under operating leases	$ 645	$ 644	$ 684

Contingent Liabilities And C101

Contingent Liabilities And Commitments (Summary Of Commitments And Contingent Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Loss Contingencies [Line Items]
Commitments and contingent liabilities	$ 210,140	$ 214,623
Commitments To Extend Credit [Member]
Loss Contingencies [Line Items]
Commitments and contingent liabilities	206,346	212,193
Standby Letters Of Credit [Member]
Loss Contingencies [Line Items]
Commitments and contingent liabilities	$ 3,794	$ 2,430

Concentrations Of Credit (Detai

Concentrations Of Credit (Details)	12 Months Ended
	Dec. 31, 2015
Capital [Member] | Credit Concentration Risk [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	15.00%

Segment Information (Schedule O

Segment Information (Schedule Of Business Segments) (Details) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015USD ($)	Sep. 30, 2015USD ($)	Jun. 30, 2015USD ($)	Mar. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Sep. 30, 2014USD ($)	Jun. 30, 2014USD ($)	Mar. 31, 2014USD ($)	Dec. 31, 2015USD ($)segment	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)
Segment Reporting Information [Line Items]
Number of primary business segments | segment									2
Net interest income (expense)	$ 8,436	$ 8,139	$ 7,648	$ 7,581	$ 8,440	$ 7,677	$ 7,682	$ 7,298	$ 31,804	$ 31,099	$ 28,347
Provision for loan losses									1,216	1,229	1,540
Net interest income (expense) after provision for loan losses									30,588	29,870	26,807
Non-interest income									13,720	10,273	12,161
Insurance service and fees									7,194	7,131	7,211
Amortization expense										108	221
Non-interest expense									32,698	31,252	29,380
Income before income taxes									11,610	8,891	9,588
Income tax provision									3,767	704	1,731
Net income	$ 1,754	$ 2,509	$ 1,675	$ 1,905	$ 2,306	$ 2,290	$ 1,579	$ 2,012	7,843	8,187	7,857
Operating Segments [Member]
Segment Reporting Information [Line Items]
Net interest income (expense)									31,804	31,099	28,347
Provision for loan losses									1,216	1,229	1,540
Net interest income (expense) after provision for loan losses									30,588	29,870	26,807
Non-interest income									6,526	3,142	4,950
Insurance service and fees									$ 7,194	7,131	7,211
Amortization expense										108	221
Non-interest expense									$ 32,698	31,144	29,159
Income before income taxes									11,610	8,891	9,588
Income tax provision									3,767	704	1,731
Net income									7,843	8,187	7,857
Banking Activities [Member] | Operating Segments [Member]
Segment Reporting Information [Line Items]
Net interest income (expense)									31,921	31,214	28,463
Provision for loan losses									1,216	1,229	1,540
Net interest income (expense) after provision for loan losses									30,705	29,985	26,923
Non-interest income									6,526	3,142	4,950
Insurance service and fees									$ 672	$ 591	518
Amortization expense
Non-interest expense									$ 28,103	$ 26,875	24,792
Income before income taxes									9,800	6,843	7,599
Income tax provision									3,071	(85)	1,022
Net income									6,729	6,928	6,577
Insurance Agency Activities [Member] | Operating Segments [Member]
Segment Reporting Information [Line Items]
Net interest income (expense)									$ (117)	$ (115)	(116)
Provision for loan losses
Net interest income (expense) after provision for loan losses									$ (117)	$ (115)	(116)
Non-interest income
Insurance service and fees									$ 6,522	$ 6,540	6,693
Amortization expense										108	221
Non-interest expense									$ 4,595	4,269	4,367
Income before income taxes									1,810	2,048	1,989
Income tax provision									696	789	709
Net income									$ 1,114	$ 1,259	$ 1,280

Segment Information (Schedul104

Segment Information (Schedule Of Identifiable Assets, Net) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Segment Reporting Information [Line Items]
Total Assets	$ 939,107	$ 846,809
Operating Segments [Member] | Banking Activities [Member]
Segment Reporting Information [Line Items]
Total Assets	929,998	837,928
Operating Segments [Member] | Insurance Agency Activities [Member]
Segment Reporting Information [Line Items]
Total Assets	$ 9,109	$ 8,881

Fair Value Of Financial Inst105

Fair Value Of Financial Instruments (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Impaired loans	$ 19,500	$ 15,029
Impaired loans, valuation allowance	$ 1,742	$ 1,313
Minimum [Member]
Discount on appraisals of the collateral securing the loan	10.00%
Maximum [Member]
Discount on appraisals of the collateral securing the loan	50.00%

Fair Value Of Financial Inst106

Fair Value Of Financial Instruments (Financial Instruments Measured At Fair Value On Recurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	$ 97,141	$ 95,533
Mortgage servicing rights	$ 557	$ 518
Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage servicing rights
Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage servicing rights
Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage servicing rights	$ 557	$ 518
U.S. Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	$ 21,846	$ 26,717
U.S. Government Agencies [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale
U.S. Government Agencies [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	$ 21,846	$ 26,717
U.S. Government Agencies [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale
States and Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	$ 37,683	$ 31,060
States and Political Subdivisions [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale
States and Political Subdivisions [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	$ 37,683	$ 31,060
States and Political Subdivisions [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale
Total Mortgage-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	$ 37,612	$ 37,756
Total Mortgage-Backed Securities [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale
Total Mortgage-Backed Securities [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	$ 37,612	$ 37,756
Total Mortgage-Backed Securities [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale

Fair Value Of Financial Inst107

Fair Value Of Financial Instruments (Changes In Fair Value For Mortgage Servicing Rights) (Details) - Level 3 [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Mortgage servicing rights - Beginning balance	$ 518	$ 509	$ 467
Gains (losses) included in earnings	(93)	(134)	34
Additions from loan sales	132	143	8
Mortgage servicing rights - Ending balance	$ 557	$ 518	$ 509

Fair Value Of Financial Inst108

Fair Value Of Financial Instruments (Quantitative Information About Significant Unobservable Inputs For MSRs) (Details)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Fair Value Of Financial Instruments [Abstract]
Servicing fees	0.25%	0.25%
Discount rate	9.52%	9.52%
Prepayment rate (CPR)	8.55%	9.28%

Fair Value Of Financial Inst109

Fair Value Of Financial Instruments (Financial Instruments Measured At Fair Value On Nonrecurring Basis) (Details) - Fair Value, Measurements, Nonrecurring Basis [Member] - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	$ 17,758	$ 13,716
Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans
Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans
Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	$ 17,758	$ 13,716

Fair Value Of Financial Inst110

Fair Value Of Financial Instruments (Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	$ 97,141	$ 95,533
Held to maturity securities	1,584	1,574
Loans, net	761,101	683,131
Mortgage servicing rights	557	518
Demand deposits	183,098	158,631
NOW deposits	83,674	72,670
Regular savings deposits	439,993	363,542
Securities sold under agreement to repurchase	10,821	13,778
Other borrowed funds	10,000	13,700	$ 9,000
Junior subordinated debentures	11,330	11,330
Time deposits	$ 96,217	$ 112,792
Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Mortgage servicing rights
Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Mortgage servicing rights
Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Mortgage servicing rights	$ 557	$ 518
Carrying Amount [Member] | Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	22,621	10,898
Demand deposits	183,098	158,631
NOW deposits	83,674	72,670
Regular savings deposits	439,993	363,542
Commitments to extend credit	150	245
Securities sold under agreement to repurchase	10,821	13,778
Carrying Amount [Member] | Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	97,141	95,533
FHLB and FRB stock	2,783	2,925
Other borrowed funds	10,000	13,700
Junior subordinated debentures	11,330	11,330
Carrying Amount [Member] | Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held to maturity securities	1,617	1,599
Loans, net	761,101	683,131
Mortgage servicing rights	557	518
Time deposits	96,217	112,792
Fair Value [Member] | Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	22,621	10,898
Demand deposits	183,098	158,631
NOW deposits	83,674	72,670
Regular savings deposits	439,993	363,542
Commitments to extend credit	150	245
Securities sold under agreement to repurchase	10,821	13,778
Fair Value [Member] | Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	97,141	95,533
FHLB and FRB stock	2,783	2,925
Other borrowed funds	9,874	13,700
Junior subordinated debentures	11,330	11,330
Fair Value [Member] | Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held to maturity securities	1,584	1,574
Loans, net	772,472	685,148
Mortgage servicing rights	557	518
Time deposits	$ 96,975	$ 113,854

Regulatory Matters (Details)

Regulatory Matters (Details) $ in Thousands	Dec. 31, 2015USD ($)
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier I (to Risk Weighted Assets), Minimum for Capital Adequacy Purposes, Amount	$ 36,598
Common Equity Tier I (to Risk Weighted Assets), Minimum for Capital Adequacy Purposes, Ratio	4.50%
Common Equity Tier I (to Risk Weighted Assets), Minimum to be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 52,864
Common Equity Tier I (to Risk Weighted Assets), Minimum to be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	6.50%
Total Risk-Based Capital (to Risk Weighted Assets), Minimum for Capital Adequacy Purposes, Amount	$ 65,062
Total Risk-Based Capital (to Risk Weighted Assets), Minimum for Capital Adequacy Purposes, Ratio	8.00%
Total Risk-Based Capital (to Risk Weighted Assets), Minimum to be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 81,328
Total Risk-Based Capital (to Risk Weighted Assets), Minimum to be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	10.00%
Tier I Capital (to Risk Weighted Assets), Minimum for Capital Adequacy Purposes, Amount	$ 48,797
Tier I Capital (to Risk Weighted Assets), Minimum for Capital Adequacy Purposes, Ratio	6.00%
Tier I Capital (to Risk Weighted Assets), Minimum to be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 65,062
Tier I Capital (to Risk Weighted Assets), Minimum to be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	8.00%
Tier I Capital (to Average Assets), Minimum for Capital Adequacy Purposes, Amount	$ 36,801
Tier I Capital (to Average Assets), Minimum for Capital Adequacy Purposes, Ratio	4.00%
Tier I Capital (to Average Assets), Minimum to be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 46,001
Tier I Capital (to Average Assets), Minimum to be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	5.00%
Parent Company [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier I (to Risk Weighted Assets), Amount	$ 96,100
Common Equity Tier I (to Risk Weighted Assets), Ratio	11.80%
Total Risk-Based Capital (to Risk Weighted Assets), Amount	$ 106,307
Total Risk-Based Capital (to Risk Weighted Assets), Ratio	13.10%
Tier I Capital (to Risk Weighted Assets), Amount	$ 96,100
Tier I Capital (to Risk Weighted Assets), Ratio	11.80%
Tier I Capital (to Average Assets), Amount	$ 96,100
Tier I Capital (to Average Assets), Ratio	10.50%
Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier I (to Risk Weighted Assets), Amount	$ 93,688
Common Equity Tier I (to Risk Weighted Assets), Ratio	11.50%
Total Risk-Based Capital (to Risk Weighted Assets), Amount	$ 103,886
Total Risk-Based Capital (to Risk Weighted Assets), Ratio	12.80%
Tier I Capital (to Risk Weighted Assets), Amount	$ 93,688
Tier I Capital (to Risk Weighted Assets), Ratio	11.50%
Tier I Capital (to Average Assets), Amount	$ 93,688
Tier I Capital (to Average Assets), Ratio	10.20%

Parent Company Only Financia112

Parent Company Only Financial Information (Condensed Balance Sheets) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
ASSETS
Other assets	$ 13,714	$ 13,983
TOTAL ASSETS	939,107	846,809
LIABILITIES
Junior subordinated debentures	11,330	11,330
Other liabilities	12,718	14,578
Total liabilities	847,851	761,021
STOCKHOLDERS’ EQUITY
Total Stockholders’ Equity	91,256	85,788	$ 80,712	$ 74,828
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	939,107	846,809
Parent Company [Member]
ASSETS
Cash	1,030	3,258
Other assets	1,411	1,144
Investment in subsidiaries	103,309	95,689
TOTAL ASSETS	105,750	100,091
LIABILITIES
Junior subordinated debentures	11,330	11,330
Other liabilities	3,164	2,973
Total liabilities	14,494	14,303
STOCKHOLDERS’ EQUITY
Total Stockholders’ Equity	91,256	85,788
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 105,750	$ 100,091

Parent Company Only Financia113

Parent Company Only Financial Information (Condensed Statements Of Income) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income before equity in undistributed earnings of subsidiaries									$ 11,610	$ 8,891	$ 9,588
Net income	$ 1,754	$ 2,509	$ 1,675	$ 1,905	$ 2,306	$ 2,290	$ 1,579	$ 2,012	7,843	8,187	7,857
COMPREHENSIVE INCOME									7,541	7,942	6,493
Parent Company [Member]
Dividends from subsidiaries									2,000	7,000	2,614
Expenses									(1,387)	(1,363)	(1,364)
Income before equity in undistributed earnings of subsidiaries									613	5,637	1,250
Equity in undistributed earnings (loss) of subsidiaries									7,230	2,550	6,607
Net income									$ 7,843	$ 8,187	$ 7,857
Other comprehensive income
COMPREHENSIVE INCOME									$ 7,843	$ 8,187	$ 7,857

Parent Company Only Financia114

Parent Company Only Financial Information (Condensed Statements Of Cash Flows) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Operating Activities:
Net income	$ 1,754	$ 2,509	$ 1,675	$ 1,905	$ 2,306	$ 2,290	$ 1,579	$ 2,012	$ 7,843	$ 8,187	$ 7,857
Changes in assets and liabilities affecting cash flow:
Other assets									(2,563)	(2,919)	(2,119)
Other liabilities									(523)	1,751	1,354
Net cash provided by operating activities									8,098	11,021	13,101
Investing Activities:
Net cash used in investing activities									(82,465)	(44,810)	(79,532)
Financing Activities:
Proceeds from issuance of common stock									216	238	248
Cash dividends paid									(3,049)	(2,735)	(1,098)
Purchase of Treasury stock									(210)	(1,436)	(250)
Net cash provided by financing activities									86,090	2,733	17,908
Net increase (decrease) in cash									11,723	(31,056)	(48,523)
Beginning of period				10,898				41,954	10,898	41,954	90,477
End of period	22,621				10,898				22,621	10,898	41,954
Parent Company [Member]
Operating Activities:
Net income									7,843	8,187	7,857
Adjustments to reconcile net income to net cash provided by operating activities:
Undistributed earnings of subsidiaries									(7,230)	(2,550)	(6,607)
Changes in assets and liabilities affecting cash flow:
Other assets									(267)	(89)	(187)
Other liabilities									191	1,563	(23)
Net cash provided by operating activities									$ 537	$ 7,111	$ 1,040
Investing Activities:
Investment in subsidiaries
Net cash used in investing activities
Financing Activities:
Proceeds from issuance of common stock
Cash dividends paid									$ (2,765)	$ (2,471)	$ (1,077)
Purchase of Treasury stock										(1,436)
Net cash provided by financing activities									(2,765)	(3,907)	(1,077)
Net increase (decrease) in cash									(2,228)	3,204	(37)
Beginning of period				$ 3,258				$ 54	3,258	54	91
End of period	$ 1,030				$ 3,258				$ 1,030	$ 3,258	$ 54

Selected Quarterly Financial115

Selected Quarterly Financial Data (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Selected Quarterly Financial Data [Abstract]
Interest Income	$ 9,437	$ 9,099	$ 8,636	$ 8,456	$ 9,327	$ 8,576	$ 8,592	$ 8,219	$ 35,628	$ 34,715	$ 32,404
Interest Expense	1,001	960	988	875	887	899	910	921	3,824	3,616	4,057
NET INTEREST INCOME	8,436	8,139	7,648	7,581	8,440	7,677	7,682	7,298	31,804	31,099	28,347
Net Income	$ 1,754	$ 2,509	$ 1,675	$ 1,905	$ 2,306	$ 2,290	$ 1,579	$ 2,012	$ 7,843	$ 8,187	$ 7,857
Earnings per share basic	$ 0.41	$ 0.59	$ 0.40	$ 0.45	$ 0.55	$ 0.55	$ 0.38	$ 0.48	$ 1.85	$ 1.96	$ 1.88
Earnings per share diluted	$ 0.41	$ 0.58	$ 0.39	$ 0.44	$ 0.54	$ 0.54	$ 0.37	$ 0.47	$ 1.82	$ 1.92	$ 1.85