6. Other Real Estate Owned (Tables)

12 Months Ended

Dec. 31, 2016

Table Text Block Supplement [Abstract]

Schedule of Components Of Other Real Estate Owned

The following schedule reflects the components of other real estate owned at December 31, 2016 and 2015:

(in 000’s)	2016	2015	2013
Commercial real estate	$ 298	$ 297	$ 191
Residential real estate	149	183	242
Total	$ 447	$ 480	$ 433

Schedule of Change in Other Real Estate Owned

A summary of the change in other real estate owned follows:

(in 000’s)	Year Ended December 31, 2016	Year Ended December 31, 2015
Beginning Balance	$ 480	$ 564
Additions, transfers from loans	-	148
Sales	(33)	(271)
	496	441
Write-ups (write-downs)	-	39
Ending Balance	$ 447	$ 480

Schedule of Components of Net Expense of Other Real Estate Owned

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

(in 000’s)	Year ended December 31, 2016	Year ended December 31, 2015
Insurance	$ 23	$ 15
Legal fees	16	-
Foreclosure fees	56	-
Professional fees	4	-
Real estate taxes	21	14
Utilities	2	3
Transfer-in write-up	-	(88)
Impairment charges	-	49
Other	4	18
Total	$ 126	$ 11