Loans and Allowance for loan Losses (Tables)

12 Months Ended

Dec. 31, 2015

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

At December 31, 2015 and 2014, loans consist of the following (in thousands):

	December 31, 2015						December 31, 2014
	PCI		All Other				PCI		All Other
	Loans		Loans		Total		Loans		Loans		Total
Commercial real estate	$	20,050	$	349,727	$	369,777	$	3,102	$	190,349	$	193,451
Consumer real estate		12,764		148,930		161,694		4,380		77,034		81,414
Construction and land development		2,695		102,783		105,478		36		52,469		52,505
Commercial and industrial		2,768		82,183		84,951		3		33,716		33,719
Consumer and other		-		5,815		5,815		-		2,314		2,314
Total loans		38,277		689,438		727,715		7,521		355,882		363,403
Less: Allowance for loan losses		-		(4,354)		(4,354)		-		(3,880)		(3,880)

Loans, net	$	38,277	$	685,084	$	723,361	$	7,521	$	352,002	$	359,523

Schedule Of Impaired and Performing Loans Receivable [Table Text Block]

The composition of loans by loan classification for impaired and performing loan status at December 31, 2015 and 2014, is summarized in the tables below (amounts in thousands):

	December 31, 2015
					Construction		Commercial
	Commercial		Consumer		and Land		and		Consumer
	Real Estate		Real Estate		Development		Industrial		and Other		Total
Performing loans	$	347,775	$	145,289	$	101,751	$	81,715	$	5,815	$	682,345
Impaired loans		1,952		3,641		1,032		468		-		7,093
		349,727		148,930		102,783		82,183		5,815		689,438
PCI loans		20,050		12,764		2,695		2,768		-		38,277
Total	$	369,777	$	161,694	$	105,478	$	84,951	$	5,815	$	727,715

	December 31, 2014
					Construction		Commercial
	Commercial		Consumer		and Land		and		Consumer
	Real Estate		Real Estate		Development		Industrial		and Other		Total
Performing loans	$	188,169	$	71,634	$	50,301	$	33,178	$	2,314	$	345,596
Impaired loans		2,180		5,400		2,168		538		-		10,286
		190,349		77,034		52,469		33,716		2,314		355,882
PCI loans		3,102		4,380		36		3		-		7,521
Total loans	$	193,451	$	81,414	$	52,505	$	33,719	$	2,314	$	363,403

Schedule Of Allowance For Loan Losses For Impaired and Performing Loans Receivable [Table Text Block]

The following tables show the allowance for loan losses allocation by loan classification for impaired and performing loans as of December 31, 2015 and 2014 (amounts in thousands):

December 31, 2015
					Construction		Commercial		Consumer
	Commercial		Consumer		and Land		and		and
	Real Estate		Real Estate		Development		Industrial		Other		Total
Performing loans	$	1,906	$	1,015	$	627	$	519	$	29	$	4,096
Impaired loans		-		-		-		258		-		258
Total	$	1,906	$	1,015	$	627	$	777	$	29	$	4,354

December 31, 2014
					Construction		Commercial		Consumer
	Commercial		Consumer		and Land		and		and
	Real Estate		Real Estate		Development		Industrial		Other		Total
Performing loans	$	1,734	$	903	$	630	$	353	$	26	$	3,646
Impaired loans		-		3		60		171		-		234
Total	$	1,734	$	906	$	690	$	524	$	26	$	3,880

Schedule Of Financing Receivable Allowance For Credit Losses [Table Text Block]

The following tables detail the changes in the allowance for loan losses for the year ending December 31, 2015 and December 31, 2014, by loan classification (amounts in thousands):

December 31, 2015
			Consumer		Construction		Commercial
	Commercial		Real		and Land		and		Consumer
	Real Estate		Estate		Development		Industrial		and Other		Total
Beginning balance	$	1,734	$	906	$	690	$	524	$	26	$	3,880
Loans charged off		(95)		(247)		(50)		-		(114)		(506)
Recoveries of loans charged off		-		-		26		19		12		57
Provision charged to operating expense		267		356		(39)		234		105		923
Ending balance	$	1,906	$	1,015	$	627	$	777	$	29	$	4,354

December 31, 2014
			Consumer		Construction		Commercial
	Commercial		Real		and Land		and		Consumer
	Real Estate		Estate		Development		Industrial		and Other		Total
Beginning balance	$	1,603	$	1,040	$	726	$	503	$	264	$	4,136
Loans charged off		-		(623)		(7)		(118)		(65)		(813)
Recoveries of loans charged off		2		-		-		-		123		125
Provision charged to operating expense		129		489		(29)		139		(296)		432
Ending balance	$	1,734	$	906	$	690	$	524	$	26	$	3,880

Financing Receivable Credit Quality Indicators [Table Text Block]

The following tables outline the amount of each loan classification and the amount categorized into each risk rating as of December 31, 2015 and 2014 (amounts in thousands):

Non PCI Loans

	December 31, 2015
					Construction		Commercial
	Commercial		Consumer		and Land		and		Consumer
	Real Estate		Real Estate		Development		Industrial		and Other		Total
Pass	$	349,030	$	146,645	$	101,751	$	81,683	$	5,815	$	684,924
Watch		184		327		-		-		-		511
Special mention		387		-		-		32		-		419
Substandard		126		1,958		1,032		468		-		3,584
Doubtful		-		-		-		-		-		-
Total	$	349,727	$	148,930	$	102,783	$	82,183	$	5,815	$	689,438

PCI Loans

	December 31, 2015
					Construction		Commercial
	Commercial		Consumer		and Land		and		Consumer
	Real Estate		Real Estate		Development		Industrial		and Other		Total
Pass	$	17,127	$	11,635	$	1,947	$	2,458	$	-	$	33,167
Watch		-		260		-		-		-		260
Special mention		1,975		-		526		221		-		2,722
Substandard		948		869		222		89		-		2,128
Doubtful		-		-		-		-		-		-
Total	$	20,050	$	12,764	$	2,695	$	2,768	$	-	$	38,277
Total loans	$	369,777	$	161,694	$	105,478	$	84,951	$	5,815	$	727,715

Non PCI Loans

	December 31, 2014
					Construction		Commercial
	Commercial		Consumer		and Land		and		Consumer
	Real Estate		Real Estate		Development		Industrial		and Other		Total
Pass	$	188,113	$	71,199	$	44,484	$	33,178	$	2,314	$	339,288
Watch		56		226		6,273		-		-		6,555
Special mention		-		-		-		-		-		-
Substandard		2,180		5,609		1,712		538		-		10,039
Doubtful		-		-		-		-		-		-
Total	$	190,349	$	77,034	$	52,469	$	33,716	$	2,314	$	355,882

PCI Loans

	December 31, 2014
					Construction		Commercial
	Commercial		Consumer		and Land		and		Consumer
	Real Estate		Real Estate		Development		Industrial		and Other		Total
Pass	$	2,358	$	3,968	$	-	$	-	$	-	$	6,326
Watch		-		309		36		3		-		348
Special mention		-		-		-		-		-		-
Substandard		744		103		-		-		-		847
Doubtful		-		-		-		-		-		-
Total	$	3,102	$	4,380	$	36	$	3	$	-	$	7,521
Total loans	$	193,451	$	81,414	$	52,505	$	33,719	$	2,314	$	363,403

Past Due Financing Receivables [Table Text Block]

The following tables present the aging of the recorded investment in loans and leases as of December 31, 2015 and 2014 (amounts in thousands):

	December 31, 2015
	30-89 Days		Past Due 90
	Past Due and		Days or More				Total				Current		Total
	Accruing		and Accruing		Nonaccrual		Past Due		PCI Loans		Loans		Loans

Commercial real estate	$	471	$	258	$	-	$	729	$	20,050	$	348,998	$	369,777
Consumer real estate		581		232		1,351		2,164		12,764		146,766		161,694
Construction and land development		137		-		483		620		2,695		102,163		105,478
Commercial and industrial		207		12		418		637		2,768		81,546		84,951
Consumer and other		12		-		-		12		-		5,803		5,815
Total	$	1,408	$	502	$	2,252	$	4,162	$	38,277	$	685,276	$	727,715

	December 31, 2014
	30-89 Days		Past Due 90
	Past Due and		Days or More				Total		PCI		Current		Total
	Accruing		and Accruing		Nonaccrual		Past Due		Loans		Loans		Loans

Commercial real estate	$	-	$	-	$	1,757	$	1,757	$	3,102	$	188,592	$	193,451
Consumer real estate		-		-		2,249		2,249		4,380		74,785		81,414
Construction and land development		-		-		643		643		36		51,826		52,505
Commercial and industrial		-		-		418		418		3		33,298		33,719
Consumer and other		12		-		-		12		-		2,302		2,314
Total	$	12	$	-	$	5,067	$	5,079	$	7,521	$	350,803	$	363,403

Impaired Financing Receivables [Table Text Block]

The following is an analysis of the impaired loan portfolio detailing the related allowance recorded as of and for the years ended December 31, 2015 and 2014 (amounts in thousands):

							For the year ended
	At December 31, 2015						December 31, 2015
			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
	Investment		Balance		Allowance		Investment		Recognized
Impaired loans without a valuation allowance:
Non PCI Loans:
Commercial real estate	$	1,952	$	1,952	$	-	$	1,898	$	73
Consumer real estate		3,641		4,341		-		4,003		81
Construction and land development		1,033		1,033		-		1,044		26
Commercial and industrial		49		49		-		54		3
Consumer and other		-		-		-		-		-
		6,675		7,375		-		6,999		183

PCI loans: None in 2015

Impaired loans with a valuation allowance:
Non PCI Loans:
Commercial real estate		-		-		-		-		-
Consumer real estate		-		-		-		-		-
Construction and land development		-		-		-		-		-
Commercial and industrial		418		418		258		448		-
Consumer and other		-		-		-		-		-
		418		418		258		448		-
PCI loans: None in 2015
Total impaired loans	$	7,093	$	7,793	$	258	$	7,447	$	183

							For the year ended
	At December 31, 2014						December 31, 2014
			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
	Investment		Balance		Allowance		Investment		Recognized
Impaired loans without a valuation allowance:
Non PCI Loans:
Commercial real estate	$	2,180	$	2,180	$	-	$	2,247	$	193
Consumer real estate		5,155		5,692		-		5,289		362
Construction and land development		1,086		1,090		-		1,257		54
Commercial and industrial		-		-		-		-		-
Consumer and other		-		-		-		-		-
		8,421		8,962		-		8,793		609

PCI loans: None in 2014

Impaired loans with a valuation allowance:
Non PCI Loans:
Commercial real estate		-		-		-		-		-
Consumer real estate		245		245		3		294		12
Construction and land development		1,082		1,082		60		1,101		82
Commercial and industrial		538		538		171		539		59
Consumer and other		-		-		-		-		-
		1,865		1,865		234		1,934		153
PCI loans: None in 2014
Total impaired loans	$	10,286	$	10,827	$	234	$	10,727	$	762

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

The following table presents a summary of loans that were modified as troubled debt restructurings during the year ended December 31, 2014 (amounts in thousands):

		Pre-Modification		Post-Modification
		Outstanding		Outstanding
		Recorded		Recorded
December 31, 2014	Number of Contracts	Investment		Investment

Commercial real estate	1	$	1,757	$	1,757
Consumer real estate	3		3,169		3,169
Commercial and industrial	1		52		52

Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Acquired During Period Carrying Amount Of Loans [Table Text Block]

The Company has acquired loans which there was, at acquisition, evidence of deterioration of credit quality since origination and it was probable, at acquisition, that all contractually required payments would not be collected. The carrying amount of those loans at December 31, 2015 is as follows (in thousands):

Commercial real estate	$	22,995
Consumer real estate		16,909
Construction and land development		3,553
Commercial and industrial		3,660
Consumer and other		-
Total loans	$	47,117
Less remaining purchase discount		(8,840)
		38,277
Less: Allowance for loan losses		-

Carrying amount, net of allowance	$	38,277

Schedule Of Certain Loans Acquired In Transfer Accounted For As Debt Securities Accretable Yield Movement [Table Text Block]

The following is a summary of the accretable discount on acquired loans for the years ended December 31, 2015 and 2014 (in thousands):

	2015		2014

Accretable yield, beginning of period	$	7,983	$	10,266
Additions		4,282		-
Accretion income		(1,805)		(2,252)
Reclassification from nonaccretable		151		(292)
Other changes, net		(394)		261
Accretable yield, end of period	$	10,217	$	7,983

Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Table Text Block]

Purchased credit impaired loans acquired during the year ended December 31, 2015 for which it was probable at acquisition that all contractually required payments would not be collected are as follows (in thousands):

Contractual principal and interest at acquisition	$	45,678
Nonaccretable difference		(4,072)
Expected Cash flows at acquisition		41,606
Accretable yield		(4,282)
Basis in PCI loans at acquisition - estimated fair value	$	37,324

Schedule Of Loan To Directors Officers And Affiliated Parties [Table Text Block]

A summary of activity in loans to related parties is as follows (in thousands):

	2015		2014
Balance, beginning of year	$	14,813	$	16,230
Disbursements		548		7,847
Repayments		(4,510)		(9,264)
Balance, end of year	$	10,851	$	14,813