7. Other Real Estate Owned (Tables)

9 Months Ended

Sep. 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	Nine Months Ended	Nine Months Ended
	September 30, 2016	September 30, 2015	September 30, 2016	September 30, 2015
Beginning balance	$  447	$  757	$  480	$    564
Additions, transfers from loans	-	-	-	149
Sales	-	(38)	(33)	(83)
	447	719	447	630
Write-ups	-	-	-	89
Ending Balance	$   447	$  719	$ 447	$   719

Schedule of Components of Other Real Estate Owned

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

(in 000's)	September 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 (income) of other real estate owned:

	Three  Months Ended	Three  Months Ended	Nine Months Ended	Nine Months Ended
(in 000's)	September 30, 2016	September 30, 2015	September 30, 2016	September 30, 2015
Insurance	$3	$4	$9	$13
Legal fees	-	-	16	-
Foreclosure expense	56	-	56	-
Professional fees	-	-	4	-
Real estate taxes	6	4	16	10
Utilities	1	1	2	2
Transfer-in write-up	-	-	-	(89)
Other	-	1	1	11
Total	$66	$10	$104	$(53)