7. Other Real Estate Owned (Tables)

3 Months Ended

Mar. 31, 2016

Table Text Block Supplement [Abstract]

Schedule of Change in Other Real Estate Owned

Activity in other real estate owned for the periods was as follows:  

(in 000's)	Three  Months Ended			Three  Months Ended
	March 31, 2016			March 31, 2015
Beginning balance	$	480		$	564
Additions, transfers from loans		—			92
Sales		(17	)		—
		463			656
Write-ups (Write-downs)		—			52
Ending Balance	$	463		$	708

Schedule of Components of Other Real Estate Owned

The following schedule reflects the components of other real estate owned:

(in 000's)	March 31, 2016		December 31, 2015
Commercial real estate	$	297	$	297
Residential real estate		166		183
Total	$	463	$	480

Schedule of Components of Net Expense (income) of Other Real Estate Owned

The following table details the components of net expense of other real estate owned:

	Three  Months Ended		Three  Months Ended
(in 000's)	March 31, 2016		March 31, 2015
Insurance	$	4	$	3
Professional fees		4		5
Real estate taxes		6		3
Utilities		—		1
Transfer-in write-up		—		(52	)
Impairment charges (net)		—		—
Total	$	14	$	(40	)