7. Other Real Estate Owned (Tables)

6 Months Ended

Jun. 30, 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	Six Months Ended	Six Months Ended
	June 30, 2016	June 30, 2015	June 30, 2016	June 30, 2015
Beginning balance	$564	$708	$433	$564
Additions, transfers from loans	237	59	477	148
Sales	(305)	(43)	(140)	(43)
	496	726	770	669
Write-ups (downs)	(49)	33	(13)	88
Ending Balance	$447	$757	$757	$757

Schedule of Components of Other Real Estate Owned

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

(in 000's)	June 30, 2016	December 31, 2015
Commercial real estate	$  316	$ 297
Residential real estate	131	183
Total	$  447	$ 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	Six Months Ended	Six Months Ended
(in 000's)	June 30, 2016	June 30, 2015	June 30, 2016	June 30, 2015
Insurance	$2	$4	$6	$8
Legal Fees	16		16
Professional fees	-		4
Real estate taxes	4	3	10	6
Utilities	1	1	1	1
Other	-	-	-	10
Transfer-in write-up	49	(31)	49	(88)
Impairment charges (net)	-	-	-	-
Total	$72	$(23)	$86	$(63)