9. Income Taxes (Tables)

12 Months Ended

Dec. 31, 2016

Table Text Block Supplement [Abstract]

Schedule of Deferred Tax Assets and Liabilities

Significant components of the Bank’s net deferred tax assets are as follows:

	December 31,
(in 000’s)	2016	2015
Deferred tax assets(liabilities):
Provision for loan losses	$     36	$     46
Unrealized (loss) gain on investment securities	(32)	10
Depreciation	(36)	(36)
Net operating carryforwards	3,578	3,538
Other, net	326	386
Valuation allowance for deferred tax assets	(3,904)	(3,934)
Net deferred tax assets	$     (32)	$     10

Schedule of Effective Income Tax Rate Reconciliation

	2016	2015
Effective rate reconciliation:
Tax at statutory rate (34%)	$  8	$  (168)
Nondeductible expenses	9	8
Increase in valuation allowance	(31)	160
True-up of NOL	3	-
Other	11	-
Total tax expense	$        -	$        -