Document And Entity Information - shares	9 Months Ended
Document And Entity Information - shares	Sep. 30, 2018	Nov. 01, 2018
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2018
Document Fiscal Year Focus	2018
Document Fiscal Period Focus	Q3
Entity Registrant Name	Embassy Bancorp, Inc.
Entity Central Index Key	0001449794
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		7,477,500
Trading Symbol	emyb
Entity Small Business	true
Entity Emerging Growth Company	false

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
ASSETS
Cash and due from banks	$ 16,528	$ 14,021
Interest bearing demand deposits with banks	16,783	18,513
Federal funds sold	1,000	1,000
Cash and Cash Equivalents	34,311	33,534
Securities available for sale	87,130	90,296
Restricted investment in bank stock	2,671	583
Loans receivable, net of allowance for loan losses of $7,533 in 2018; $7,040 in 2017	924,161	851,711
Premises and equipment, net of accumulated depreciation	1,916	1,929
Bank owned life insurance	19,524	13,186
Accrued interest receivable	2,110	1,983
Other real estate owned	480	458
Other assets	4,494	3,286
Total Assets	1,076,797	996,966
Deposits:
Non-interest bearing	146,583	139,974
Interest bearing	769,493	760,880
Total Deposits	916,076	900,854
Securities sold under agreements to repurchase	17,875	9,999
Short-term borrowings	50,921
Accrued interest payable	1,296	874
Other liabilities	6,248	5,470
Total Liabilities	992,416	917,197
Stockholders' Equity:
Common stock, $1 par value; authorized 20,000,000 shares; 2018 issued 7,512,547 shares; outstanding 7,487,200 shares; 2017 issued 7,491,692 shares; outstanding 7,466,345 shares;	7,513	7,492
Surplus	25,491	24,998
Retained earnings	53,898	47,602
Accumulated other comprehensive (loss) income	(2,179)	19
Treasury stock, at cost: 25,347 shares	(342)	(342)
Total Stockholders' Equity	84,381	79,769
Total Liabilities and Stockholders' Equity	$ 1,076,797	$ 996,966

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Consolidated Balance Sheets [Abstract]
Loans receivable, allowance	$ 7,533	$ 7,040
Common Stock, Par or Stated Value Per Share	$ 1	$ 1
Common Stock, Shares Authorized	20,000,000	20,000,000
Common Stock, Shares, Issued	7,512,547	7,491,692
Common Stock, Shares, Outstanding	7,487,200	7,466,345
Treasury Stock, Shares	25,347	25,347

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
INTEREST INCOME
Loans receivable, including fees	$ 9,224	$ 8,075	$ 26,277	$ 23,369
Securities, taxable	328	246	961	639
Securities, non-taxable	312	323	942	983
Federal funds sold, and other	99	117	232	218
Total Interest Income	9,963	8,761	28,412	25,209
INTEREST EXPENSE
Deposits	1,469	1,094	3,857	3,173
Securities sold under agreements to repurchase	11	3	23	9
Short-term borrowings	204		340	9
Total Interest Expense	1,684	1,097	4,220	3,191
Net Interest Income	8,279	7,664	24,192	22,018
PROVISION FOR LOAN LOSSES	60	320	540	735
Net Interest Income after Provision for Loan Losses	8,219	7,344	23,652	21,283
OTHER NON-INTEREST INCOME
Credit card processing fees	78	444	260	1,370
Debit card interchange fees	133	111	391	323
Other service fees	121	108	340	324
Bank owned life insurance	157	115	338	302
Gain on sale of securities, net		19		19
(Loss) gain on sale of other real estate owned		5	(16)	16
Impairment on other real estate owned	(56)		(83)
Total Other Non-Interest Income	433	802	1,230	2,354
OTHER NON-INTEREST EXPENSES
Salaries and employee benefits	2,472	2,177	7,319	6,529
Occupancy and equipment	794	665	2,216	1,963
Data processing	588	493	1,632	1,424
Credit card processing	24	406	90	1,266
Advertising and promotion	458	381	1,282	1,047
Professional fees	193	149	590	453
FDIC insurance	115	124	326	377
Insurance	14	14	42	45
Loan & real estate	96	62	286	185
Charitable contributions	194	169	660	595
Other real estate owned expenses	38	23	86	43
Other	389	330	1,089	956
Total Other Non-Interest Expenses	5,375	4,993	15,618	14,883
Income before Income Taxes	3,277	3,153	9,264	8,754
INCOME TAX EXPENSE	597	920	1,697	2,536
Net Income	$ 2,680	$ 2,233	$ 7,567	$ 6,218
BASIC EARNINGS PER SHARE	$ 0.36	$ 0.30	$ 1.01	$ 0.84
DILUTED EARNINGS PER SHARE	0.35	0.30	1.00	0.83
DIVIDENDS PER SHARE	$ 0.17	$ 0.14	$ 0.17	$ 0.14

Consolidated Statements of Comprehensive Income - USD ($)
$ in Thousands

3 Months Ended

9 Months Ended

Sep. 30, 2018

Sep. 30, 2017

Sep. 30, 2018

Sep. 30, 2017

Consolidated Statements Of Comprehensive Income [Abstract]

Net Income

$ 2,680

$ 2,233

$ 7,567

$ 6,218

Change in Accumulated Other Comprehensive Income:

Unrealized holding (loss) gain on securities available for sale

(783)

(162)

(2,782)

1,188

Less: reclassification adjustment for realized gains

^[1],[2]

(19)

^[1],[2]

(19)

Total other comprehensive (loss) income, before tax

(783)

(181)

(2,782)

1,169

Income tax effect

164

62

584

(398)

Net unrealized (loss) gain

(619)

(119)

(2,198)

771

Other comprehensive (loss) gain, net of tax

(619)

(119)

(2,198)

771

Comprehensive Income

$ 2,061

$ 2,114

$ 5,369

$ 6,989

[1]	Realized gains on securities transactions included in gain on sales of securities, net, in the accompanying Consolidated Statements of Income.
[2]	Tax effect included in income tax expense in the accompanying Consolidated Statements of Income.

Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Surplus [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive (Loss) Income [Member]	Treasury Stock [Member]	Total
BALANCE-Beginning at Dec. 31, 2016	$ 7,453	$ 24,603	$ 41,344	$ (24)	$ (98)	$ 73,278
Net income			6,218			6,218
Other comprehensive income (loss), net of tax				771		771
Dividend declared			(1,042)			(1,042)
Compensation expense recognized on stock options		5				5
Common stock grants to directors	5	63				68
Compensation expense recognized on stock grants, net of unearned compensation expense		72				72
Shares issued under employee stock purchase plan	3	38				41
Purchase treasury stock, 6,557 shares at $14.80 per share					(97)	(97)
Shares issued under Dividend Reinvestment and Stock Purchase Plan	14	196				210
BALANCE-Ending at Sep. 30, 2017	7,475	24,977	46,520	747	(195)	79,524
BALANCE-Beginning at Dec. 31, 2017	7,492	24,998	47,602	19	(342)	79,769
Net income			7,567			7,567
Other comprehensive income (loss), net of tax				(2,198)		(2,198)
Dividend declared			(1,271)			(1,271)
Compensation expense recognized on stock options		3				3
Common stock grants to directors	6	105				111
Compensation expense recognized on stock grants, net of unearned compensation expense		151				151
Shares issued under employee stock purchase plan	3	40				43
Shares issued under Dividend Reinvestment and Stock Purchase Plan	12	194				206
BALANCE-Ending at Sep. 30, 2018	$ 7,513	$ 25,491	$ 53,898	$ (2,179)	$ (342)	$ 84,381

Consolidated Statements of Stockholders' Equity (Parenthetical) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017
Consolidated Statements Of Stockholders' Equity [Abstract]
Dividends declared per share	$ 0.17	$ 0.14
Common stock grants to directors, shares	6,731	5,156
Unearned compensation expense	$ 459	$ 379
Shares issued under employee stock purchase plan, shares	2,525	2,820
Treasury stock, shares, acquired		6,557
Purchased treasury stock, price per share		$ 14.80
Stock issued under Dividend Reinvestment and Stock Repurchase Plan	11,599	14,091

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 7,567	$ 6,218
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	540	735
Amortization of deferred loan costs	163	55
Depreciation and amortization	557	494
Net amortization of investment security premiums and discounts	138	203
Stock compensation expense	154	77
Net realized loss (gain) on sale of other real estate owned	18	(16)
Impairment on other real estate owned	83
Income on bank owned life insurance	(338)	(302)
Net realized gain on sale of securities available for sale		(19)
Increase in accrued interest receivable	(127)	(84)
Increase in other assets	(624)	(336)
Increase (decrease) in accrued interest payable	422	(32)
Increase in other liabilities	889	776
Net Cash Provided by Operating Activities	9,442	7,769
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of securities available for sale	(9,793)	(36,348)
Maturities, calls and principal repayments of securities available for sale	10,039	11,615
Proceeds from sales of securities available for sale		14,920
Net increase in loans	(73,492)	(39,371)
Net (purchase) redemption of restricted investment in bank stock	(2,088)	41
Purchase of bank owned life insurance	(6,000)
Proceeds from sale of other real estate owned	216	53
Purchases of premises and equipment	(544)	(322)
Net Cash Used in Investing Activities	(81,662)	(49,412)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	15,222	59,827
Net increase (decrease) in securities sold under agreements to repurchase	7,876	(1,694)
Proceeds from shares issued under employee stock purchase plan	43	41
Increase in short-term borrowed funds	50,921
Acquisition of treasury stock		(97)
Proceeds from Dividend Reinvestment Plan	206	210
Dividends paid	(1,271)	(1,042)
Net Cash Provided by Financing Activities	72,997	57,245
Net Increase in Cash and Cash Equivalents	777	15,602
CASH AND CASH EQUIVALENTS - BEGINNING	33,534	24,218
CASH AND CASH EQUIVALENTS - ENDING	34,311	39,820
SUPPLEMENTARY CASH FLOWS INFORMATION
Interest paid	3,798	3,223
Income taxes paid	1,903	2,530
Deferral of gain from sale of other real estate sold through bank financing	2	$ 16
Other real estate acquired in settlement of loans	$ 339

Basis Of Presentation	9 Months Ended
Basis Of Presentation	Sep. 30, 2018
Basis Of Presentation [Abstract]
Basis Of Presentation	Note 1 – Basis of Presentation Embassy Bancorp, Inc. (the “Company”) is a Pennsylvania corporation organized in 2008 and registered as a bank holding company pursuant to the Bank Holding Company Act of 1956, as amended (the “BHC Act”). The Company was formed for purposes of acquiring Embassy Bank For The Lehigh Valley (the “Bank”) in connection with the reorganization of the Bank into a bank holding company structure, which was consummated on November 11, 2008. Accordingly, the Company owns all of the capital stock of the Bank, giving the organization more flexibility in meeting its capital needs as the Company continues to grow. Embassy Holdings, LLC (the “LLC”) is a wholly-owned subsidiary of the Bank organized to engage in the holding of property acquired by the Bank in satisfaction of debts previously contracted. As such, the consolidated financial statements contained herein include the accounts of the Company, the Bank and the LLC. All significant intercompany transactions and balances have been eliminated. The Bank, which is the Company’s principal operating subsidiary, was originally incorporated as a Pennsylvania bank on May 11, 2001 and opened its doors on November 6, 2001. It was formed by a group of local business persons and professionals with significant prior experience in community banking in the Lehigh Valley area of Pennsylvania, the Bank’s primary market area. The accompanying unaudited financial statements have been prepared in accordance with United States of America generally accepted accounting principles (“US GAAP”) for interim financial information and in accordance with instructions for Form 10-Q and Rule 10-01 of the Securities and Exchange Commission Regulation S-X. Accordingly, they do not include all of the information and footnotes required by US GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. Operating results for the three and nine months ended September 30, 2018 are not necessarily indicative of the results that may be expected for the year ending December 31, 2018. The consolidated financial statements presented in this report should be read in conjunction with the audited consolidated financial statements and the accompanying notes for the year ended December 31, 2017, included in the Company’s Form 10-K filed with the Securities and Exchange Commission (“SEC”) on March 15, 2018. In preparing these consolidated financial statements, the Company evaluated the events and transactions that occurred after September 30, 2018 through the date these consolidated financial statements were issued. Certain amounts in the 2017 consolidated financial statements may have been reclassified to conform to 2018 presentation. These reclassifications had no effect on 2017 net income.

Summary Of Significant Accounting Policies	9 Months Ended
Summary Of Significant Accounting Policies	Sep. 30, 2018
Summary Of Significant Accounting Policies [Abstract]
Summary Of Significant Accounting Policies	Note 2 - Summary of Significant Accounting Policies Except as discussed in the following paragraphs, the significant accounting policies of the Company as applied in the interim financial statements presented are substantially the same as those followed on an annual basis as presented in the Company’s Form 10-K for the year ended December 31, 2017. On January 1, 2018 the Company adopted ASU 2014-09 “Revenue from Contracts with Customers (Topic 606)” (“ASU 2014-09”). ASU 2014-09 implements a common revenue standard that clarifies the principles for recognizing revenue, establishing principles for reporting information about the nature, amount, timing and uncertainty of revenue and cash flows arising from the entity's contracts to provide goods or services to customers. The core principle of ASU 2014-09 requires an entity to recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration that it expects to be entitled to receive in exchange for those goods or services recognized as performance obligations are satisfied. ASU 2014-09 establishes a five-step model which entities must follow to recognize revenue and removes inconsistencies and weaknesses in existing guidance. The guidance does not apply to revenue associated with financial instruments, including loans and investment securities that are accounted for under other GAAP, which comprises a significant portion of the Company’s revenue stream. ASU 2014-09 had no material effect on the Company’s revenue recognition or to its consolidated financial statements and disclosures. The majority of the Company’s revenue-generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as its loans, letters of credit and investment securities, as these activities are subject to other GAAP discussed elsewhere within the Company’s disclosures. Descriptions of the Company’s revenue-generating activities that are within the scope of ASC 606, which are presented in the consolidated statement of income as components of non-interest income, are credit card processing fees, debit card interchange fees, other service fees on deposit accounts, and gains and losses on other real estate owned. Credit card processing fees include income from commercial credit cards and merchant processing income. Income for such performance obligations are generally received at the time the performance obligations are satisfied or within the monthly service period. Service fees on deposit accounts represent general service fees for monthly account maintenance and activity or transaction-based fees and consist of transaction-based revenue, time-based revenue (service period), item-based revenue or some other individual attribute-based revenue. Revenue is recognized when the Company’s performance obligation is completed, which is generally monthly for account maintenance services or when a transaction has been completed (such as a wire transfer). The Company recognizes debit card interchange fees daily from debit cardholder transactions conducted through the MasterCard payment network. The Company records a gain or loss from the sale of other real estate owned when control of the property transfers to the buyer, which generally occurs at the time of an executed deed. When the Company finances the sale of other real estate owned to the buyer, the Company assesses whether the buyer is committed to perform their obligations under the contract and whether collectability of the transaction price is probable. Once these criteria are met, the gain or loss on sale is recorded upon the transfer of control of the property to the buyer. In determining the gain or loss on the sale, the Company adjusts the transaction prices and related gain or loss on the sale if a significant financing component is present. The Company does not sell its mortgages on the secondary market, nor does it offer trust or investment brokerage services to its customers to generate fee income. On January 1, 2018, the Company adopted ASU 2016-01, Financial Instruments – Overall (Subtopic 825-10). ASU 2016-01 addresses certain aspects of recognition, measurement, presentation, and disclosure of financial instruments by making targeted improvements to GAAP as follows: (1) require equity investments (except those accounted for under the equity method of accounting or those that result in consolidation of the investee) to be measured at fair value with changes in fair value recognized in net income. However, an entity may choose to measure equity investments that do not have readily determinable fair values at cost minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment of the same issuer; (2) simplify the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment. When a qualitative assessment indicates that impairment exists, an entity is required to measure the investment at fair value; (3) eliminate the requirement to disclose the fair value of financial instruments measured at amortized cost for entities that are not public business entities; (4) eliminate the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; (5) require public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; (6) require an entity to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the entity has elected to measure the liability at fair value in accordance with the fair value option for financial instruments; (7) require separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (that is, securities or loans and receivables) on the balance sheet or the accompanying notes to the financial statements; and (8) clarify that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale securities in combination with the entity’s other deferred tax assets. In accordance with (5) above, the Company measured the fair value of its loan portfolio as of September 30, 2018 using an exit price notion. ASU 2016-01 had no material effect on the Company’s financial condition or results of operations.

Securities Available For Sale

9 Months Ended

Sep. 30, 2018

Securities Available For Sale [Abstract]

Securities Available For Sale

Note 3 – Securities Available For Sale

At September 30, 2018 and December 31, 2017, respectively, the amortized cost and approximate fair values of securities available-for-sale were as follows:



			Gross		Gross
	Amortized		Unrealized		Unrealized		Fair
	Cost		Gains		Losses		Value

	(In Thousands)
September 30, 2018
U.S. Government agency obligations	$	6,008	$	-	$	(19)	$	5,989
Municipal bonds		35,759		475		(1,277)		34,957
U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential		48,121		39		(1,976)		46,184
Total	$	89,888	$	514	$	(3,272)	$	87,130

December 31, 2017
U.S. Government agency obligations	$	10,039	$	-	$	(51)	$	9,988
Municipal bonds		37,701		1,089		(469)		38,321
U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential		42,532		80		(625)		41,987
Total	$	90,272	$	1,169	$	(1,145)	$	90,296

The amortized cost and fair value of securities as of September 30, 2018, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to prepay obligations with or without any penalties.



		Amortized		Fair
		Cost		Value

	(In Thousands)
Due in one year or less	$	7,547	$	7,551
Due after one year through five years		5,461		5,528
Due after five years through ten years		8,576		8,184
Due after ten years		20,183		19,683
		41,767		40,946
U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential		48,121		46,184
	$	89,888	$	87,130

There were no sales of securities for the three and nine months ended September 30, 2018. Gross gains of $19 thousand were realized on the sales of securities for the three and nine months ended September 30, 2017, respectively. There were no gross losses on the sales of securities during the three and nine months ended September 30, 2018 and 2017.

Securities with a carrying value of $82.8 million and $87.3 million at September 30, 2018 and December 31, 2017, respectively, were subject to agreements to repurchase, pledged to secure public deposits, or pledged for other purposes required or permitted by law.

The following table shows the Company’s investments’ gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at September 30, 2018 and December 31, 2017, respectively:



		Less Than 12 Months				12 Months or More				Total
	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses
		(In Thousands)
September 30, 2018
U.S. Government agency obligations	$	1,000	$	-	$	4,989	$	(19)	$	5,989	$	(19)
Municipal bonds		6,473		(361)		6,714		(916)		13,187		(1,277)
U.S. Government Sponsored Enterprise
(GSE) - Mortgage -backed securities -
residential		15,096		(333)		30,543		(1,643)		45,639		(1,976)
Total Temporarily Impaired Securities	$	22,569	$	(694)	$	42,246	$	(2,578)	$	64,815	$	(3,272)
		.
December 31, 2017
U.S. Government agency obligations	$	7,003	$	(24)	$	2,985	$	(27)	$	9,988	$	(51)
Municipal bonds		2,415		(77)		6,235		(392)		8,650		(469)
U.S. Government Sponsored Enterprise
(GSE) - Mortgage -backed securities -
residential		25,295		(305)		11,502		(320)		36,797		(625)
Total Temporarily Impaired Securities	$	34,713	$	(406)	$	20,722	$	(739)	$	55,435	$	(1,145)

The Company had forty-eight (48) securities in an unrealized loss position at September 30, 2018. The unrealized losses are due only to market rate fluctuations. As of September 30, 2018, the Company either has the intent and ability to hold the securities until maturity or market price recovery, or believes that it is more likely than not that it will not be required to sell such securities. Management believes that the unrealized loss only represents temporary impairment of the securities.

Restricted Investment In Bank Stock	9 Months Ended
Restricted Investment In Bank Stock	Sep. 30, 2018
Restricted Investment In Bank Stock [Abstract]
Restricted Investment In Bank Stock	Note 4 – Restricted Investment in Bank Stock Restricted investments in bank stock consist of FHLBank of Pittsburgh (“FHLB”) stock and Atlantic Community Bankers Bank (“ACBB”) stock. The restricted stocks are carried at cost. Federal law requires a member institution of the FHLB to hold stock of its district FHLB according to a predetermined formula. The Bank had FHLB stock at a carrying value of $936 thousand and $3.0 million repurchased during the three and nine months ended September 30, 2018, respectively. There were no stock repurchases during the three months ended September 30, 2017 and $1.3 million repurchased during the nine months ended September 30, 2017, respectively. Stock purchases of $1.8 million and $5.1 million were made during the three and nine months ended September 30, 2018, respectively. There were no stock purchases during the three months ended September 30, 2017 and $1.3 million purchased during the nine months ended September 30, 2017, respectively. Dividend payments of $21 thousand and $35 thousand were received during the three and nine months ended September 30, 2018 and $5 thousand and $11 thousand were received during the three and nine months ended September 30, 2017, respectively. Management evaluates the FHLB and ACBB restricted stock for impairment. Management’s determination of whether these investments are impaired is based on their assessment of the ultimate recoverability of their cost rather than by recognizing temporary declines in value. The determination of whether a decline affects the ultimate recoverability of their cost is influenced by criteria such as (1) the significance of the decline in net assets of the issuer as compared to the capital stock amount for the issuer and the length of time this situation has persisted, (2) commitments by the issuer to make payments required by law or regulation and the level of such payments in relation to the operating performance of the issuer, and (3) the impact of legislative and regulatory changes on institutions and, accordingly, on the customer base of the issuer. Based upon its evaluation of the foregoing criteria, management believes no impairment charge is necessary related to the FHLB or ACBB stock as of September 30, 2018.

Loans Receivable And Credit Quality

9 Months Ended

Sep. 30, 2018

Loans Receivable And Credit Quality [Abstract]

Loans Receivable And Credit Quality

Note 5 – Loans Receivable and Credit Quality

The following table presents the composition of loans receivable at September 30, 2018 and December 31, 2017, respectively:



	September 30, 2018			December 31, 2017
			Percentage of			Percentage of
	Balance		total Loans	Balance		total Loans

		(Dollars in Thousands)

Commercial real estate	$	408,722	43.90%	$	347,292	40.46%
Commercial construction		15,182	1.63%		30,090	3.51%
Commercial		38,060	4.09%		36,406	4.24%
Residential real estate		468,324	50.30%		443,601	51.68%
Consumer		778	0.08%		904	0.11%
Total loans		931,066	100.00%		858,293	100.00%
Unearned origination fees		628			458
Allowance for loan losses		(7,533)			(7,040)
	$	924,161		$	851,711

The following table presents the classes of the loan portfolio summarized by the aggregate pass rating and the classified ratings of special mention (potential weaknesses), substandard (well defined weaknesses) and doubtful (full collection unlikely) within the Company's internal risk rating system as of September 30, 2018 and December 31, 2017, respectively:



	Pass		Special Mention		Substandard		Doubtful		Total

September 30, 2018		(In Thousands)
Commercial real estate	$	403,489	$	-	$	5,233	$	-	$	408,722
Commercial construction		14,867		-		315		-		15,182
Commercial		38,060		-		-		-		38,060
Residential real estate		467,052		755		517		-		468,324
Consumer		778		-		-		-		778
Total	$	924,246	$	755	$	6,065	$	-	$	931,066

December 31, 2017
Commercial real estate	$	341,865	$	-	$	5,427	$	-	$	347,292
Commercial construction		29,775		-		315		-		30,090
Commercial		36,406		-		-		-		36,406
Residential real estate		442,770		-		831		-		443,601
Consumer		904		-		-		-		904
Total	$	851,720	$	-	$	6,573	$	-	$	858,293

The Company had four (4) foreclosed assets in the amount of $480 thousand as of September 30, 2018, of which two (2) are residential real estate in the amount of $235 thousand. At September 30, 2018 and December 31, 2017, the Company had $353 thousand and $499 thousand, respectively, in recorded investment in consumer mortgage loans collateralized by residential real estate that are in the process of foreclosure.

The following table summarizes information in regards to impaired loans by loan portfolio class as of September 30, 2018 and December 31, 2017, respectively:


	September 30, 2018						December 31, 2017
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Recorded Investment		Unpaid Principal Balance		Related Allowance
	(In Thousands)
With no related allowance recorded:
Commercial real estate	$	5,504	$	5,768			$	7,383	$	7,748
Commercial construction		315		315				315		315
Commercial		-		-				-		-
Residential real estate		823		1,128				1,043		1,329
Consumer		-		-				-		-
With an allowance recorded:
Commercial real estate	$	-	$	-	$	-	$	-	$	-	$	-
Commercial construction		-		-		-		-		-		-
Commercial		241		241		34		245		245		39
Residential real estate		856		856		167		986		986		212
Consumer		-		-		-		-		-		-
Total:
Commercial real estate	$	5,504	$	5,768	$	-	$	7,383	$	7,748	$	-
Commercial construction		315		315		-		315		315		-
Commercial		241		241		34		245		245		39
Residential real estate		1,679		1,984		167		2,029		2,315		212
Consumer		-		-		-		-		-		-
	$	7,739	$	8,308	$	201	$	9,972	$	10,623	$	251

The following tables summarize information regarding the average recorded investment and interest income recognized on impaired loans by loan portfolio for the three and nine months ended September 30, 2018 and 2017, respectively:


	Three Months Ended September 30,
	2018				2017
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
	(In Thousands)
With no related allowance recorded:
Commercial real estate	$	5,738	$	58	$	5,517	$	55
Commercial construction		315		3		315		3
Commercial		37		-		-		-
Residential real estate		849		3		909		1
Consumer		-		-		-		-
With an allowance recorded:
Commercial real estate	$	-	$	-	$	2,006	$	7
Commercial construction		-		-		-		-
Commercial		242		2		247		3
Residential real estate		911		7		1,213		4
Consumer		-		-		-		-
Total:
Commercial real estate	$	5,738	$	58	$	7,523	$	62
Commercial construction		315		3		315		3
Commercial		279		2		247		3
Residential real estate		1,760		10		2,122		5
Consumer		-		-		-		-
	$	8,092	$	73	$	10,207	$	73


	Nine Months Ended September 30,
	2018				2017
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
	(In Thousands)
With no related allowance recorded:
Commercial real estate	$	6,146	$	181	$	6,730	$	167
Commercial construction		315		8		315		8
Commercial		18		2		50		-
Residential real estate		916		8		1,191		4
Consumer		-		-		-		-
With an allowance recorded:
Commercial real estate	$	-	$	-	$	1,003	$	17
Commercial construction		-		-		-		-
Commercial		243		7		255		8
Residential real estate		945		23		1,009		13
Consumer		-		-		-		-
Total:
Commercial real estate	$	6,146	$	181	$	7,733	$	184
Commercial construction		315		8		315		8
Commercial		261		9		305		8
Residential real estate		1,861		31		2,200		17
Consumer		-		-		-		-
	$	8,583	$	229	$	10,553	$	217

The following table presents non-accrual loans by classes of the loan portfolio:



	September 30, 2018		December 31, 2017

	(In Thousands)
Commercial real estate	$	-	$	104
Commercial construction		-		-
Commercial		-		-
Residential real estate		378		686
Consumer		-		-
Total	$	378	$	790

The performance and credit quality of the loan portfolio is also monitored by analyzing the age of the loans receivable as determined by the length of time a recorded payment is past due. The following table presents the classes of the loan portfolio summarized by the past due status as of September 30, 2018 and December 31, 2017, respectively:


					Greater								Loan
					than								Receivables >
	30-59 Days		60-89 Days		90 Days		Total				Total Loan		90 Days and
	Past Due		Past Due		Past Due		Past Due		Current		Receivables		Accruing

September 30, 2018	(In Thousands)
Commercial real estate	$	720	$	-	$	-	$	720	$	408,002	$	408,722	$	-
Commercial construction		-		-		-		-		15,182		15,182		-
Commercial		180		819		-		999		37,061		38,060		-
Residential real estate		1,203		-		91		1,294		467,030		468,324		-
Consumer		-		-		-		-		778		778		-
Total	$	2,103	$	819	$	91	$	3,013	$	928,053	$	931,066	$	-

December 31, 2017
Commercial real estate	$	2,852	$	-	$	104	$	2,956	$	344,336	$	347,292	$	-
Commercial construction		-		-		-		-		30,090		30,090		-
Commercial		-		-		-		-		36,406		36,406		-
Residential real estate		1,036		1,800		634		3,470		440,131		443,601		-
Consumer		-		-		-		-		904		904		-
Total	$	3,888	$	1,800	$	738	$	6,426	$	851,867	$	858,293	$	-

The following tables detail the activity in the allowance for loan losses for the three and nine months ended September 30, 2018 and 2017:



	Commercial Real Estate		Commercial Construction		Commercial		Residential Real Estate		Consumer		Unallocated		Total

Allowance for loan losses	(In Thousands)
Three Months Ending September 30, 2018
Beginning Balance - June 30, 2018	$	2,381	$	158	$	420	$	3,793	$	27	$	694	$	7,473
Charge-offs		-		-		-		-		-		-		-
Recoveries		-		-		-		-		-		-		-
Provisions		62		(51)		(23)		26		(7)		53		60
Ending Balance - September 30, 2018	$	2,443	$	107	$	397	$	3,819	$	20	$	747	$	7,533

Nine Months Ending September 30, 2018
Beginning Balance - December 31, 2017	$	2,251	$	369	$	472	$	3,510	$	18	$	420	$	7,040
Charge-offs		-		-		(40)		(23)		-		-		(63)
Recoveries		8		-		-		8		-		-		16
Provisions		184		(262)		(35)		324		2		327		540
Ending Balance - September 30, 2018	$	2,443	$	107	$	397	$	3,819	$	20	$	747	$	7,533

Three Months Ending September 30, 2017
Beginning Balance - June 30, 2017	$	2,154	$	473	$	493	$	3,370	$	27	$	244	$	6,761
Charge-offs		(108)		-		-		(123)		-		-		(231)
Recoveries		-		-		-		-		-		-		-
Provisions		146		(49)		48		182		(10)		3		320
Ending Balance - September 30, 2017	$	2,192	$	424	$	541	$	3,429	$	17	$	247	$	6,850

Nine Months Ending September 30, 2017
Beginning Balance - December 31, 2016	$	2,349	$	516	$	423	$	2,937	$	15	$	277	$	6,517
Charge-offs		(108)		-		(122)		(185)		-		-		(415)
Recoveries		13		-		-		-		-		-		13
Provisions		(62)		(92)		240		677		2		(30)		735
Ending Balance - September 30, 2017	$	2,192	$	424	$	541	$	3,429	$	17	$	247	$	6,850

The following tables represent the allocation for loan losses and the related loan portfolio disaggregated based on impairment methodology at September 30, 2018 and December 31, 2017:



	Commercial Real Estate		Commercial Construction		Commercial		Residential Real Estate		Consumer		Unallocated		Total

	(In Thousands)
September 30, 2018
Allowance for Loan Losses
Ending Balance	$	2,443	$	107	$	397	$	3,819	$	20	$	747	$	7,533
Ending balance: individually evaluated for impairment	$	-	$	-	$	34	$	167	$	-	$	-	$	201
Ending balance: collectively evaluated for impairment	$	2,443	$	107	$	363	$	3,652	$	20	$	747	$	7,332

Loans receivables:
Ending balance	$	408,722	$	15,182	$	38,060	$	468,324	$	778			$	931,066
Ending balance: individually evaluated for impairment	$	5,504	$	315	$	241	$	1,679	$	-			$	7,739
Ending balance: collectively evaluated for impairment	$	403,218	$	14,867	$	37,819	$	466,645	$	778			$	923,327

December 31, 2017
Allowance for Loan Losses
Ending Balance	$	2,251	$	369	$	472	$	3,510	$	18	$	420	$	7,040
Ending balance: individually evaluated for impairment	$	-	$	-	$	39	$	212	$	-	$	-	$	251
Ending balance: collectively evaluated for impairment	$	2,251	$	369	$	433	$	3,298	$	18	$	420	$	6,789

Loans receivables:
Ending balance	$	347,292	$	30,090	$	36,406	$	443,601	$	904			$	858,293
Ending balance: individually evaluated for impairment	$	7,383	$	315	$	245	$	2,029	$	-			$	9,972
Ending balance: collectively evaluated for impairment	$	339,909	$	29,775	$	36,161	$	441,572	$	904			$	848,321

Troubled Debt Restructurings

The Company may grant a concession or modification for economic or legal reasons related to a borrower’s financial condition that it would not otherwise consider, resulting in a modified loan which is then identified as troubled debt restructuring (“TDR”). The Company may modify loans through rate reductions, extensions to maturity, interest only payments, or payment modifications to better coincide the timing of payments due under the modified terms with the expected timing of cash flows from the borrowers’ operations. Loan modifications are intended to minimize the economic loss and to avoid foreclosure or repossession of the collateral. TDRs are considered impaired loans for purposes of calculating the Company’s allowance for loan losses.

The Company identifies loans for potential restructure primarily through direct communication with the borrower and the evaluation of the borrower’s financial statements, revenue projections, tax returns, and credit reports. Even if the borrower is not presently in default, management will consider the likelihood that cash flow shortages, adverse economic conditions, and negative trends may result in a payment default in the near future.

The following table presents TDR’s outstanding:



	Accrual Loans		Non-Accrual Loans		Total Modifications

September 30, 2018	(In Thousands)
Commercial real estate	$	1,309	$	-	$	1,309
Commercial construction		260		-		260
Commercial		241		-		241
Residential real estate		1,161		25		1,186
Consumer		-		-		-
	$	2,971	$	25	$	2,996

December 31, 2017
Commercial real estate	$	3,002	$	-	$	3,002
Commercial construction		260		-		260
Commercial		245		-		245
Residential real estate		1,198		52		1,250
Consumer		-		-		-
	$	4,705	$	52	$	4,757

As of September 30, 2018, no available commitments were outstanding on TDRs.

There were no newly restructured loans that occurred during the three and nine months ended September 30, 2018.

The following table presents newly restructured loans that occurred during the three and nine months ended September 30, 2017.



	Number of Loans	Pre-Modification Outstanding Balance		Post- Modification Outstanding Balance

	(Dollars In Thousands)
Three Months Ending September 30, 2017
Residential real estate	2	$	122	$	53
	2	$	122	$	53


Nine Months Ending September 30, 2017
Residential real estate	2	$	122	$	53
	2	$	122	$	53

The residential loans above were restructured through a payment modification and had no impairment reserve recorded in the allowance for loan loss for the three and nine months ending September 30, 2017.

e

There were no loans that were modified and classified as a TDR within the prior twelve months that experienced a payment default (loans ninety days or more past due) during the three and nine months ended September 30, 2018 and 2017.

- Definition

The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses.

+ References + Details

Guarantees	9 Months Ended
Guarantees	Sep. 30, 2018
Guarantees [Abstract]
Guarantees	Note 6 – Guarantees The Company, through the Bank, does not issue any guarantees that would require liability recognition or disclosure, other than its standby letters of credit. Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Generally, all letters of credit, when issued, have expiration dates within one year. The credit risk involved in issuing letters of credit is essentially the same as those that are involved in extending loan facilities to customers. The Bank generally holds collateral and/or personal guarantees supporting these commitments. The Company had $5.5 million of standby letters of credit outstanding as of September 30, 2018. The approximate value of underlying collateral upon liquidation that would be expected to cover this maximum potential exposure was $4.3 million. Management does not consider the current amount of the liability as of September 30, 2018 for guarantees under standby letters of credit issued to be material.

Deposits

9 Months Ended

Sep. 30, 2018

Deposits [Abstract]

Deposits

Note 7 – Deposits

The components of deposits at September 30, 2018 and December 31, 2017 are as follows:



	September 30,		December 31,
	2018		2017
	(In Thousands)

Demand, non-interest bearing	$	146,583	$	139,974
Demand, NOW and money market, interest bearing		130,881		110,122
Savings		450,745		507,840
Time, $250 and over		70,273		61,234
Time, other		117,594		81,684
Total deposits	$	916,076	$	900,854

Offsetting Assets And Liabilities

9 Months Ended

Sep. 30, 2018

Offsetting Assets And Liabilities [Abstract]

Offsetting Assets And Liabilities

Note 8 – Offsetting Assets and Liabilities

The Company enters into agreements under which it sells securities subject to an obligation to repurchase the same or similar securities. Under these arrangements, the Company may transfer legal ownership over the assets but still retain effective control through an agreement that both entitles and obligates the Company to repurchase the assets. As a result, these repurchase agreements are accounted for as collateralized financing arrangements (i.e., secured borrowings) and not as a sale and subsequent repurchase of securities. The obligation to repurchase the securities is reflected as a liability in the Company's consolidated balance sheet, while the securities underlying the repurchase agreements remain in the respective investment securities asset accounts. In other words, there is no offsetting or netting of the investment securities assets with the repurchase agreement liabilities. In addition, as the Company does not enter into reverse repurchase agreements, there is no such offsetting to be done with the repurchase agreements.

The right of setoff for a repurchase agreement resembles a secured borrowing, whereby the collateral would be used to settle the fair value of the repurchase agreement should the Company be in default (e.g., fails to make an interest payment to the counterparty). For private institution repurchase agreements, if the private institution counterparty were to default (e.g., declare bankruptcy), the Company could cancel the repurchase agreement (i.e., cease payment of principal and interest), and attempt collection on the amount of collateral value in excess of the repurchase agreement fair value. The collateral is held by a third party financial institution in the counterparty's custodial account. The counterparty has the right to sell or repledge the investment securities. For government entity repurchase agreements, the collateral is held by the Company in a segregated custodial account under a tri-party agreement.

The following table presents the liabilities subject to an enforceable master netting arrangement or repurchase agreements as of September 30, 2018 and December 31, 2017:



						Net Amounts
		Gross		Gross Amounts		of Liabilities
		Amounts of		Offset in the		Presented in the				Cash
		Recognized		Consolidated		Consolidated		Financial		Collateral
		Liabilities		Balance Sheet		Balance Sheet		Instruments		Pledged		Net Amount

		(In Thousands)
September 30, 2018
Repurchase Agreements:
Corporate Institutions	$	17,875	$	-	$	17,875	$	(17,875)	$	-	$	-

December 31, 2017
Repurchase Agreements:
Corporate Institutions	$	9,999	$	-	$	9,999	$	(9,999)	$	-	$	-

As of September 30, 2018 and December 31, 2017, the fair value of securities pledged was $20.7 million and $15.8 million, respectively.

Short-Term And Long-Term Borrowings	9 Months Ended
Short-Term And Long-Term Borrowings	Sep. 30, 2018
Short-Term And Long-Term Borrowings [Abstract]
Short-Term And Long-Term Borrowings	Note 9 – Short-term and Long-term Borrowings Securities sold under agreements to repurchase, federal funds purchased and FHLB short term advances generally represent overnight or less than twelve month borrowings. Long term advances from the FHLB are for periods of twelve months or more and are generally less than sixty months. The Bank has an agreement with the FHLB which allows for borrowings up to a percentage of qualifying assets. At September 30, 2018, the Bank had a maximum borrowing capacity for short-term and long-term advances of approximately $533.0 million. This borrowing capacity with the FHLB includes a line of credit of $150.0 million. As of September 30, 2018, a one week short-term FHLB advance of $50.9 million was outstanding at a rate of 2.50% and no short-term FHLB advances were outstanding as of December 31, 2017. The 2018 funding was the result of the difference between the deposit growth and loan growth. There were no long-term FHLB advances outstanding as of September 30, 2018 and December 31, 2017. All FHLB borrowings are secured by qualifying assets of the Bank. The Bank has a federal funds line of credit with the ACBB of $10.0 million, of which none was outstanding at September 30, 2018 and December 31, 2017. Advances from this line are unsecured.

Stock Incentive Plan And Employee Stock Purchase Plan	9 Months Ended
Stock Incentive Plan And Employee Stock Purchase Plan	Sep. 30, 2018
Stock Incentive Plan And Employee Stock Purchase Plan [Abstract]
Stock Incentive Plan And Employee Stock Purchase Plan	Note 10 – Stock Incentive Plan and Employee Stock Purchase Plan Stock Incentive Plan: At the Company’s annual meeting on June 16, 2010, the shareholders approved the Embassy Bancorp, Inc. 2010 Stock Incentive Plan (the “SIP”). The SIP authorizes the Board of Directors, or a committee authorized by the Board of Directors, to award a stock based incentive to (i) designated officers (including officers who are directors) and other designated employees at the Company and its subsidiaries, and (ii) non-employee members of the Board of Directors and advisors and consultants to the Company and its subsidiaries. The SIP provides for stock based incentives in the form of incentive stock options as provided in Section 422 of the Internal Revenue Code of 1986, non-qualified stock options, stock appreciation rights, restricted stock and deferred stock awards. The term of the option, the amount of time for the option to vest after grant, if any, and other terms and limitations will be determined at the time of grant. Options granted under the SIP may not have an exercise period that is more than ten years from the time the option is granted. At inception, the aggregate number of shares available for issuance under the SIP was 500,000. The SIP provides for appropriate adjustments in the number and kind of shares available for grant or subject to outstanding awards under the SIP to avoid dilution in the event of merger, stock splits, stock dividends or other changes in the capitalization of the Company. The SIP expires on June 15, 2020. At September 30, 2018, there were 270,559 shares available for issuance under the SIP. The Company grants shares of restricted stock, under the SIP, to certain members of its Board of Directors as compensation for their services, in accordance with the Company’s Non-employee Directors Compensation program adopted in October 2010. The Company also grants restricted stock to certain officers under individual agreements with these officers. Some of these restricted stock awards vest immediately, while the remainder vest over three to nine service years. Management recognizes compensation expense for the fair value of the restricted stock awards on a straight-line basis over the requisite service period. Since inception of the plan and through the period ended September 30, 2018, there have been 113,198 awards granted. There were no awards granted during the three months ended September 30, 2018 and 2017. During the nine months ended September 30, 2018 and 2017 there were 6,731 and 5,156 awards granted, respectively. The Company recognized compensation expense for restricted stock awards during the three months and nine months ended September 30, 2018 of $44 thousand and $151 thousand; and during the three and nine months ended September 30, 2017, the Company recognized $24 thousand and $72 thousand, respectively. In December 2016, January 2014, February 2013 and 2012, the Company granted stock options to purchase 4,227, 29,663, 29,742 and 52,611 shares of stock to certain executive officers under individual agreements and/or in accordance with their respective employment agreements. No stock options were granted in 2018, 2017 or 2015. Stock compensation expense related to these options was $1 thousand and $3 thousand for the three and nine months ended September 30, 2018 and $2 thousand and $5 thousand for the three and nine months ended September 30, 2017, respectively. At September 30, 2018, approximately $6 thousand of unrecognized cost related to these stock options granted in 2016 will be recognized over the next 1.22 years, respectively. Employee Stock Purchase Plan: On January 1, 2017, the Company implemented the Embassy Bancorp, Inc. Employee Stock Purchase Plan, which was approved by the Company’s shareholders at the annual meeting held on June 16, 2016. Under the plan, each employee of the Company and its subsidiaries who is employed on an offering date and customarily is scheduled to work at least twenty (20) hours per week and more than five (5) months in a calendar year is eligible to participate. The purchase price for shares purchased under the plan shall initially equal 95% of the fair market value of such shares on the date of purchase. The purchase price may be adjusted from time to time by the Board of Directors; provided, however, that the discount to fair market value shall not exceed 15%. The Company has authorized 350,000 shares of its common stock for the plan, of which 6,160 shares have been issued as of September 30, 2018. The Company recognized discount expense in relation to the employee stock purchase plan of $1 thousand and $2 thousand during the three and nine months ended September 30, 2018 and September 30, 2017, respectively.

Other Comprehensive (Loss) Income

9 Months Ended

Sep. 30, 2018

Other Comprehensive (Loss) Income [Abstract]

Other Comprehensive (Loss) Income

Note 11 – Other Comprehensive (Loss) Income

Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities, are reported as a separate component of the equity section of the balance sheet, such items, along with net income, are components of comprehensive (loss) income.

The components of other comprehensive (loss) income both before tax and net of tax are as follows:



	Three Months Ended September 30,
	2018						2017

	(In Thousands)

	Before		Tax		Net of		Before		Tax		Net of
	Tax		Effect		Tax		Tax		Effect		Tax
Change in accumulated other comprehensive (loss) income:
Unrealized holding losses on securities available for sale	$	(783)	$	164	$	(619)	$	(162)	$	56	$	(106)
Reclassification adjustments for gains on securities transactions included in net income (A),(B)		-		-		-		(19)		6		(13)
Total other comprehensive loss	$	(783)	$	164	$	(619)	$	(181)	$	62	$	(119)



	Nine Months Ended September 30,
	2018						2017

	(In Thousands)
	Before		Tax		Net of		Before		Tax		Net of
	Tax		Effect		Tax		Tax		Effect		Tax
Change in accumulated other comprehensive (loss) income:
Unrealized holding (losses) gains on securities available for sale	$	(2,782)	$	584	$	(2,198)	$	1,188	$	(404)	$	784
Reclassification adjustments for gains on securities transactions included in net income (A),(B)		-		-		-		(19)		6		(13)
Total other comprehensive (loss) income	$	(2,782)	$	584	$	(2,198)	$	1,169	$	(398)	$	771

A.

Realized gains on securities transactions included in gain on sales of securities, net, in the accompanying Consolidated Statements of Income.

B.

Tax effect included in income tax expense in the accompanying Consolidated Statements of Income.

A summary of the realized gains on securities available for sale, net of tax, for the three and nine months ended September 30, 2018 and 2017 are as follows:


	Three Months Ended				Nine Months Ended
	September 30,				September 30,
		2018		2017		2018		2017

	(In Thousands)
Securities available for sale:
Realized gains on securities transactions	$	-	$	(19)	$	-	$	(19)
Income taxes		-		6		-		6
Net of tax	$	-	$	(13)	$	-	$	(13)

A summary of the accumulated other comprehensive (loss) income net of tax, is as follows:



	Securities
	Available
	for Sale
Three Months Ended September 30, 2018 and 2017	(In Thousands)
Balance June 30, 2018	$	(1,560)
Other comprehensive loss before reclassifications		(619)
Amounts reclassified from accumulated other comprehensive income		-
Net other comprehensive loss during the period		(619)
Balance September 30, 2018	$	(2,179)

Balance June 30, 2017	$	866
Other comprehensive loss before reclassifications		(106)
Amounts reclassified from accumulated other comprehensive income		(13)
Net other comprehensive loss during the period		(119)
Balance September 30, 2017	$	747



Nine Months Ended September 30, 2018 and 2017
Balance January 1, 2018	$	19
Other comprehensive loss before reclassifications		(2,198)
Amounts reclassified from accumulated other comprehensive income		-
Net other comprehensive loss during the period		(2,198)
Balance September 30, 2018	$	(2,179)

Balance January 1, 2017	$	(24)
Other comprehensive income before reclassifications		784
Amounts reclassified from accumulated other comprehensive income		(13)
Net other comprehensive income during the period		771
Balance September 30, 2017	$	747

Basic And Diluted Earnings Per Share

9 Months Ended

Sep. 30, 2018

Basic And Diluted Earnings Per Share [Abstract]

Basic And Diluted Earnings Per Share

Note 12 – Basic and Diluted Earnings per Share

Basic earnings per share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during the period, as adjusted for stock dividends and splits. Diluted earnings per share reflect additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustments to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate solely to outstanding stock options and are determined using the treasury stock method.


	Three Months Ended				Nine Months Ended
	September 30,				September 30,
	2018		2017		2018		2017

	(Dollars In Thousands, Except Share and Per Share Data)
Net income	$	2,680	$	2,233	$	7,567	$	6,218

Weighted average shares outstanding		7,474,877		7,444,231		7,473,044		7,445,997
Dilutive effect of potential common shares, stock options		66,573		57,076		66,508		57,038
Diluted weighted average common shares outstanding		7,541,450		7,501,307		7,539,552		7,503,035

Basic earnings per share	$	0.36	$	0.30	$	1.01	$	0.84
Diluted earnings per share	$	0.35	$	0.30	$	1.00	$	0.83

There were no stock options not considered in computing diluted earnings per common share for the three and nine months ended September 30, 2018. Stock options of 4,227 were not considered in computing diluted earnings per common share for the three and nine months ended September 30, 2017.

Fair Value Measurements

9 Months Ended

Sep. 30, 2018

Fair Value Measurements [Abstract]

Fair Value Measurements

Note 13 – Fair Value Measurements

The Company uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. The fair value of a financial instrument is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company’s various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument.

Fair value guidance provides a consistent definition of fair value, which focuses on exit price in an orderly transaction (that is, not a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions. If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques may be appropriate. In such instances, determining the price at which willing market participants would transact at the measurement date under current market conditions depends on the facts and circumstances and requires the use of significant judgment. The fair value is a reasonable point within the range that is most representative of fair value under current market conditions.

ASC Topic 860 establishes a fair value hierarchy that prioritizes the inputs to valuation methods used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy under ASC Topic 860 are as follows:

Level 1: Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities.

Level 2: Quoted prices in markets that are not active, or inputs that are observable either directly or indirectly, for substantially the full term of the asset or liability.

Level 3: Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported with little or no market activity).

An asset’s or liability’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.

For financial assets measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy utilized at September 30, 2018 and December 31, 2017, respectively, are as follows:



		(Level 1)		(Level 2)
		Quoted		Significant		(Level 3)
		Prices in Active		Other		Significant
		Markets for		Observable		Unobservable
Description	Identical Assets		Inputs		Inputs		Total

		(In Thousands)
U.S. Government agency obligations	$	-	$	5,989	$	-	$	5,989
Municipal bonds		-		34,957		-		34,957
U.S. Government Sponsored Enterprise (GSE) -
Mortgage-backed securities - residential		-		46,184		-		46,184
September 30, 2018 Securities available for sale	$	-	$	87,130	$	-	$	87,130

U.S. Government agency obligations	$	-	$	9,988	$	-	$	9,988
Municipal bonds		-		38,321		-		38,321
U.S. Government Sponsored Enterprise (GSE) -
Mortgage-backed securities - residential		-		41,987		-		41,987
December 31, 2017 Securities available for sale	$	-	$	90,296	$	-	$	90,296

For financial assets measured at fair value on a nonrecurring basis, the fair value measurements by level within the fair value hierarchy used at September 30, 2018 and December 31, 2017, respectively, are as follows:



		(Level 1)		(Level 2)
		Quoted		Significant		(Level 3)
		Prices in Active		Other		Significant
		Markets for		Observable		Unobservable
Description	Identical Assets		Inputs		Inputs		Total
		(In Thousands)
September 30, 2018 Impaired loans	$	-	$	-	$	896	$	896
September 30, 2018 Other real estate owned	$	-	$	-	$	480	$	480
December 31, 2017 Impaired loans	$	-	$	-	$	980	$	980
December 31, 2017 Other real estate owned	$	-	$	-	$	458	$	458

Fair value is generally determined through independent appraisals of the underlying collateral, which generally include Level 3 input which are not identifiable. Fair values may also include qualitative adjustments by management based on economic conditions and liquidation expenses.

Impaired loans are those that are accounted for under existing FASB guidance, in which the Bank has measured impairment generally based on the fair value of the loan’s collateral. Fair value is generally determined based upon independent third-party appraisals of the properties, or discounted cash flows based upon the expected proceeds. These assets are included as Level 3 fair values, based upon the lowest level of input that is significant to the fair value measurements.

At September 30, 2018, of the impaired loans having an aggregate balance of $7.7 million, $6.6 million did not require a valuation allowance because the value of the collateral, including estimated selling costs, securing the loan was determined to meet or exceed the balance owed on the loan. Of the remaining $1.1 million in impaired loans, an aggregate valuation allowance of $201 thousand was required to reflect what was determined to be a shortfall in the value of the collateral as compared to the balance on such loans.

Real estate properties acquired through, or in lieu of, foreclosure are to be sold and are carried at fair value less estimated cost to sell. Fair value is based upon independent market prices or appraised value of the property. These assets are included in Level 3 fair value based upon the lowest level of input that is significant to the fair value measurement.

The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which the Company has utilized Level 3 inputs to determine fair value:



	Quantitative Information about Level 3 Fair Value Measurements
Description	Fair Value Estimate		Valuation Techniques	Unobservable Input	Range (Weighted Average)

		(Dollars In Thousands)
September 30, 2018:
Impaired loans	$	896	Appraisal of collateral	Appraisal adjustments (1)	0% to -25% (-17.9%)
				Liquidation expenses (2)	0% to -8.5% (-8.2%)
Other real estate owned	$	480	Listings, Letters of Intent	Liquidation expenses (2)	-5% (-5%)
			& Third Party Evaluations
December 31, 2017:
Impaired loans	$	980	Appraisal of collateral	Appraisal adjustments (1)	0% to -25% (-23.2%)
				Liquidation expenses (2)	0% to -8.5% (-7.7%)
Other real estate owned	$	458	Listings, Letters of Intent	Liquidation expenses (2)	-5% (-5%)
			& Third Party Evaluations

1.

Appraisals may be adjusted by management for qualitative factors including economic conditions and the age of the appraisal. The range and weighted average of appraisal adjustments are presented as a percent of the appraisal.

2.

Appraisals and pending agreements of sale are adjusted by management for liquidation expenses. The range and weighted average of liquidation expense adjustments are presented as a percent of the appraisal or pending agreement of sale.

The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company’s assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company’s disclosures and those of other companies may not be meaningful. The following methods and assumptions were used to estimate the fair values of the Company’s financial instruments at September 30, 2018 and December 31, 2017:

Securities Available for Sale (Carried at Fair Value)

The fair value of securities available for sale are determined by matrix pricing (Level 2), which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted market prices for the specific securities, but rather by relying on the securities’ relationship to other benchmark quoted prices. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the security’s terms and conditions, among other things.

The estimated fair values of the Company’s financial instruments were as follows at September 30, 2018 and December 31, 2017:



						(Level 1)
						Quoted		(Level 2)		(Level 3)
						Prices in Active		Significant Other		Significant
		Carrying		Fair Value		Markets for		Observable		Unobservable
		Amount		Estimate		Identical Assets		Inputs		Inputs

	(In Thousands)
September 30, 2018:
Financial assets:
Cash and cash equivalents	$	34,311	$	34,311	$	34,311	$	-	$	-
Securities available-for-sale		87,130		87,130		-		87,130		-
Loans receivable, net of allowance		924,161		903,726		-		-		903,726
Restricted investments in bank stock		2,671		2,671		-		2,671		-
Accrued interest receivable		2,110		2,110		-		2,110		-
Financial liabilities:
Deposits		916,076		914,572		-		914,572		-
Securities sold under agreements to
repurchase and federal funds purchased		17,875		17,860		-		17,860		-
Short-term borrowings		50,921		50,921		-		50,921		-
Accrued interest payable		1,296		1,296		-		1,296		-
Off-balance sheet financial instruments:
Commitments to grant loans		-		-		-		-		-
Unfunded commitments under lines of credit		-		-		-		-		-
Standby letters of credit		-		-		-		-		-

December 31, 2017:
Financial assets:
Cash and cash equivalents	$	33,534	$	33,534	$	33,534	$	-	$	-
Securities available-for-sale		90,296		90,296		-		90,296		-
Loans receivable, net of allowance		851,711		849,328		-		-		849,328
Restricted investments in bank stock		583		583		-		583		-
Accrued interest receivable		1,983		1,983		-		1,983		-
Financial liabilities:
Deposits		900,854		900,232		-		900,232		-
Securities sold under agreements to
repurchase and federal funds purchased		9,999		9,994		-		9,994		-
Accrued interest payable		874		874		-		874		-
Off-balance sheet financial instruments:
Commitments to grant loans		-		-		-		-		-
Unfunded commitments under lines of credit		-		-		-		-		-
Standby letters of credit		-		-		-		-		-

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References + Details

Future Accounting Standards	9 Months Ended
Future Accounting Standards	Sep. 30, 2018
Future Accounting Standards [Abstract]
Future Accounting Standards	Note 14 – Future Accounting Standards In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842), which will supersede the current lease requirements in Topic 840. The ASU requires lessees to recognize a right of use asset and related lease liability for all leases, with a limited exception for short-term leases. Leases will be classified as either finance or operating, with the classification affecting the pattern of expense recognition in the statement of income. Currently, leases are classified as either capital or operating, with only capital leases recognized on the balance sheet. The reporting of lease related expenses in the statements of income and cash flows will be generally consistent with the current guidance. The new guidance will be effective for the Company in 2019. Once effective, the standard will be applied using the optional transition method in accordance with the July 2018 issued ASU No. 2018-11 which allows the Company to choose the optional transition method, instead of the modified retrospective transition method previously considered. The Company has reviewed the lease population and are in the process of determining which renewal terms will be exercised. The Company expects an increase on the Consolidated Balance Sheet in the first quarter of 2019 for the right of use asset and right of use liability, however, the affect to equity and earnings will be insignificant. In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses. ASU 2016-13 requires entities to report “expected” credit losses on financial instruments and other commitments to extend credit rather than the current “incurred loss” model. These expected credit losses for financial assets held at the reporting date are to be based on historical experience, current conditions, and reasonable and supportable forecasts. This ASU will also require enhanced disclosures to help investors and other financial statement users better understand significant estimates and judgments used in estimating credit losses, as well as the credit quality and underwriting standards of an entity’s portfolio. These disclosures include qualitative and quantitative requirements that provide additional information about the amounts recorded in the financial statements. This guidance is effective for the Company in 2020. The Company is currently evaluating the impact the adoption of ASU 2016-13 will have on its consolidated financial statements and results of operations, however due to the significant differences in the revised guidance from existing U.S. GAAP, the implementation of this guidance may result in material changes to the Company’s accounting for credit losses on financial instruments.

Basis Of Presentation (Policy)	9 Months Ended
Basis Of Presentation (Policy)	Sep. 30, 2018
Basis Of Presentation [Abstract]
Consolidation	Embassy Bancorp, Inc. (the “Company”) is a Pennsylvania corporation organized in 2008 and registered as a bank holding company pursuant to the Bank Holding Company Act of 1956, as amended (the “BHC Act”). The Company was formed for purposes of acquiring Embassy Bank For The Lehigh Valley (the “Bank”) in connection with the reorganization of the Bank into a bank holding company structure, which was consummated on November 11, 2008. Accordingly, the Company owns all of the capital stock of the Bank, giving the organization more flexibility in meeting its capital needs as the Company continues to grow. Embassy Holdings, LLC (the “LLC”) is a wholly-owned subsidiary of the Bank organized to engage in the holding of property acquired by the Bank in satisfaction of debts previously contracted. As such, the consolidated financial statements contained herein include the accounts of the Company, the Bank and the LLC. All significant intercompany transactions and balances have been eliminated. The Bank, which is the Company’s principal operating subsidiary, was originally incorporated as a Pennsylvania bank on May 11, 2001 and opened its doors on November 6, 2001. It was formed by a group of local business persons and professionals with significant prior experience in community banking in the Lehigh Valley area of Pennsylvania, the Bank’s primary market area.
Basis Of Accounting	The accompanying unaudited financial statements have been prepared in accordance with United States of America generally accepted accounting principles (“US GAAP”) for interim financial information and in accordance with instructions for Form 10-Q and Rule 10-01 of the Securities and Exchange Commission Regulation S-X. Accordingly, they do not include all of the information and footnotes required by US GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. Operating results for the three and nine months ended September 30, 2018 are not necessarily indicative of the results that may be expected for the year ending December 31, 2018.

Summary Of Significant Accounting Policies (Policy)	9 Months Ended
Summary Of Significant Accounting Policies (Policy)	Sep. 30, 2018
Summary Of Significant Accounting Policies [Abstract]
New Accounting Standards	On January 1, 2018 the Company adopted ASU 2014-09 “Revenue from Contracts with Customers (Topic 606)” (“ASU 2014-09”). ASU 2014-09 implements a common revenue standard that clarifies the principles for recognizing revenue, establishing principles for reporting information about the nature, amount, timing and uncertainty of revenue and cash flows arising from the entity's contracts to provide goods or services to customers. The core principle of ASU 2014-09 requires an entity to recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration that it expects to be entitled to receive in exchange for those goods or services recognized as performance obligations are satisfied. ASU 2014-09 establishes a five-step model which entities must follow to recognize revenue and removes inconsistencies and weaknesses in existing guidance. The guidance does not apply to revenue associated with financial instruments, including loans and investment securities that are accounted for under other GAAP, which comprises a significant portion of the Company’s revenue stream. ASU 2014-09 had no material effect on the Company’s revenue recognition or to its consolidated financial statements and disclosures. The majority of the Company’s revenue-generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as its loans, letters of credit and investment securities, as these activities are subject to other GAAP discussed elsewhere within the Company’s disclosures. Descriptions of the Company’s revenue-generating activities that are within the scope of ASC 606, which are presented in the consolidated statement of income as components of non-interest income, are credit card processing fees, debit card interchange fees, other service fees on deposit accounts, and gains and losses on other real estate owned. Credit card processing fees include income from commercial credit cards and merchant processing income. Income for such performance obligations are generally received at the time the performance obligations are satisfied or within the monthly service period. Service fees on deposit accounts represent general service fees for monthly account maintenance and activity or transaction-based fees and consist of transaction-based revenue, time-based revenue (service period), item-based revenue or some other individual attribute-based revenue. Revenue is recognized when the Company’s performance obligation is completed, which is generally monthly for account maintenance services or when a transaction has been completed (such as a wire transfer). The Company recognizes debit card interchange fees daily from debit cardholder transactions conducted through the MasterCard payment network. The Company records a gain or loss from the sale of other real estate owned when control of the property transfers to the buyer, which generally occurs at the time of an executed deed. When the Company finances the sale of other real estate owned to the buyer, the Company assesses whether the buyer is committed to perform their obligations under the contract and whether collectability of the transaction price is probable. Once these criteria are met, the gain or loss on sale is recorded upon the transfer of control of the property to the buyer. In determining the gain or loss on the sale, the Company adjusts the transaction prices and related gain or loss on the sale if a significant financing component is present. The Company does not sell its mortgages on the secondary market, nor does it offer trust or investment brokerage services to its customers to generate fee income. On January 1, 2018, the Company adopted ASU 2016-01, Financial Instruments – Overall (Subtopic 825-10). ASU 2016-01 addresses certain aspects of recognition, measurement, presentation, and disclosure of financial instruments by making targeted improvements to GAAP as follows: (1) require equity investments (except those accounted for under the equity method of accounting or those that result in consolidation of the investee) to be measured at fair value with changes in fair value recognized in net income. However, an entity may choose to measure equity investments that do not have readily determinable fair values at cost minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment of the same issuer; (2) simplify the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment. When a qualitative assessment indicates that impairment exists, an entity is required to measure the investment at fair value; (3) eliminate the requirement to disclose the fair value of financial instruments measured at amortized cost for entities that are not public business entities; (4) eliminate the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; (5) require public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; (6) require an entity to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the entity has elected to measure the liability at fair value in accordance with the fair value option for financial instruments; (7) require separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (that is, securities or loans and receivables) on the balance sheet or the accompanying notes to the financial statements; and (8) clarify that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale securities in combination with the entity’s other deferred tax assets. In accordance with (5) above, the Company measured the fair value of its loan portfolio as of September 30, 2018 using an exit price notion. ASU 2016-01 had no material effect on the Company’s financial condition or results of operations.

Securities Available For Sale (Tables)

9 Months Ended

Sep. 30, 2018

Securities Available For Sale [Abstract]

Amortized Cost And Fair Values Of Securities Available-For-Sale



			Gross		Gross
	Amortized		Unrealized		Unrealized		Fair
	Cost		Gains		Losses		Value

	(In Thousands)
September 30, 2018
U.S. Government agency obligations	$	6,008	$	-	$	(19)	$	5,989
Municipal bonds		35,759		475		(1,277)		34,957
U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential		48,121		39		(1,976)		46,184
Total	$	89,888	$	514	$	(3,272)	$	87,130

December 31, 2017
U.S. Government agency obligations	$	10,039	$	-	$	(51)	$	9,988
Municipal bonds		37,701		1,089		(469)		38,321
U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential		42,532		80		(625)		41,987
Total	$	90,272	$	1,169	$	(1,145)	$	90,296

Securities Available-For-Sale By Contractual Maturity



		Amortized		Fair
		Cost		Value

	(In Thousands)
Due in one year or less	$	7,547	$	7,551
Due after one year through five years		5,461		5,528
Due after five years through ten years		8,576		8,184
Due after ten years		20,183		19,683
		41,767		40,946
U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential		48,121		46,184
	$	89,888	$	87,130

Investments' Gross Unrealized Losses And Fair Value



		Less Than 12 Months				12 Months or More				Total
	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses
		(In Thousands)
September 30, 2018
U.S. Government agency obligations	$	1,000	$	-	$	4,989	$	(19)	$	5,989	$	(19)
Municipal bonds		6,473		(361)		6,714		(916)		13,187		(1,277)
U.S. Government Sponsored Enterprise
(GSE) - Mortgage -backed securities -
residential		15,096		(333)		30,543		(1,643)		45,639		(1,976)
Total Temporarily Impaired Securities	$	22,569	$	(694)	$	42,246	$	(2,578)	$	64,815	$	(3,272)
		.
December 31, 2017
U.S. Government agency obligations	$	7,003	$	(24)	$	2,985	$	(27)	$	9,988	$	(51)
Municipal bonds		2,415		(77)		6,235		(392)		8,650		(469)
U.S. Government Sponsored Enterprise
(GSE) - Mortgage -backed securities -
residential		25,295		(305)		11,502		(320)		36,797		(625)
Total Temporarily Impaired Securities	$	34,713	$	(406)	$	20,722	$	(739)	$	55,435	$	(1,145)

Loans Receivable And Credit Quality (Tables)

9 Months Ended

Sep. 30, 2018

Loans Receivable And Credit Quality [Abstract]

Composition Of Loans Receivable



	September 30, 2018			December 31, 2017
			Percentage of			Percentage of
	Balance		total Loans	Balance		total Loans

		(Dollars in Thousands)

Commercial real estate	$	408,722	43.90%	$	347,292	40.46%
Commercial construction		15,182	1.63%		30,090	3.51%
Commercial		38,060	4.09%		36,406	4.24%
Residential real estate		468,324	50.30%		443,601	51.68%
Consumer		778	0.08%		904	0.11%
Total loans		931,066	100.00%		858,293	100.00%
Unearned origination fees		628			458
Allowance for loan losses		(7,533)			(7,040)
	$	924,161		$	851,711

Schedule Of Loan Portfolio By Aggregate Risk Rating



	Pass		Special Mention		Substandard		Doubtful		Total

September 30, 2018		(In Thousands)
Commercial real estate	$	403,489	$	-	$	5,233	$	-	$	408,722
Commercial construction		14,867		-		315		-		15,182
Commercial		38,060		-		-		-		38,060
Residential real estate		467,052		755		517		-		468,324
Consumer		778		-		-		-		778
Total	$	924,246	$	755	$	6,065	$	-	$	931,066

December 31, 2017
Commercial real estate	$	341,865	$	-	$	5,427	$	-	$	347,292
Commercial construction		29,775		-		315		-		30,090
Commercial		36,406		-		-		-		36,406
Residential real estate		442,770		-		831		-		443,601
Consumer		904		-		-		-		904
Total	$	851,720	$	-	$	6,573	$	-	$	858,293

Schedule Of Impaired Loans

The following table summarizes information in regards to impaired loans by loan portfolio class as of September 30, 2018 and December 31, 2017, respectively:


	September 30, 2018						December 31, 2017
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Recorded Investment		Unpaid Principal Balance		Related Allowance
	(In Thousands)
With no related allowance recorded:
Commercial real estate	$	5,504	$	5,768			$	7,383	$	7,748
Commercial construction		315		315				315		315
Commercial		-		-				-		-
Residential real estate		823		1,128				1,043		1,329
Consumer		-		-				-		-
With an allowance recorded:
Commercial real estate	$	-	$	-	$	-	$	-	$	-	$	-
Commercial construction		-		-		-		-		-		-
Commercial		241		241		34		245		245		39
Residential real estate		856		856		167		986		986		212
Consumer		-		-		-		-		-		-
Total:
Commercial real estate	$	5,504	$	5,768	$	-	$	7,383	$	7,748	$	-
Commercial construction		315		315		-		315		315		-
Commercial		241		241		34		245		245		39
Residential real estate		1,679		1,984		167		2,029		2,315		212
Consumer		-		-		-		-		-		-
	$	7,739	$	8,308	$	201	$	9,972	$	10,623	$	251

The following tables summarize information regarding the average recorded investment and interest income recognized on impaired loans by loan portfolio for the three and nine months ended September 30, 2018 and 2017, respectively:


	Three Months Ended September 30,
	2018				2017
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
	(In Thousands)
With no related allowance recorded:
Commercial real estate	$	5,738	$	58	$	5,517	$	55
Commercial construction		315		3		315		3
Commercial		37		-		-		-
Residential real estate		849		3		909		1
Consumer		-		-		-		-
With an allowance recorded:
Commercial real estate	$	-	$	-	$	2,006	$	7
Commercial construction		-		-		-		-
Commercial		242		2		247		3
Residential real estate		911		7		1,213		4
Consumer		-		-		-		-
Total:
Commercial real estate	$	5,738	$	58	$	7,523	$	62
Commercial construction		315		3		315		3
Commercial		279		2		247		3
Residential real estate		1,760		10		2,122		5
Consumer		-		-		-		-
	$	8,092	$	73	$	10,207	$	73


	Nine Months Ended September 30,
	2018				2017
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
	(In Thousands)
With no related allowance recorded:
Commercial real estate	$	6,146	$	181	$	6,730	$	167
Commercial construction		315		8		315		8
Commercial		18		2		50		-
Residential real estate		916		8		1,191		4
Consumer		-		-		-		-
With an allowance recorded:
Commercial real estate	$	-	$	-	$	1,003	$	17
Commercial construction		-		-		-		-
Commercial		243		7		255		8
Residential real estate		945		23		1,009		13
Consumer		-		-		-		-
Total:
Commercial real estate	$	6,146	$	181	$	7,733	$	184
Commercial construction		315		8		315		8
Commercial		261		9		305		8
Residential real estate		1,861		31		2,200		17
Consumer		-		-		-		-
	$	8,583	$	229	$	10,553	$	217

Schedule Of Nonaccrual Loans



	September 30, 2018		December 31, 2017

	(In Thousands)
Commercial real estate	$	-	$	104
Commercial construction		-		-
Commercial		-		-
Residential real estate		378		686
Consumer		-		-
Total	$	378	$	790

Schedule Of Past Due Loans


					Greater								Loan
					than								Receivables >
	30-59 Days		60-89 Days		90 Days		Total				Total Loan		90 Days and
	Past Due		Past Due		Past Due		Past Due		Current		Receivables		Accruing

September 30, 2018	(In Thousands)
Commercial real estate	$	720	$	-	$	-	$	720	$	408,002	$	408,722	$	-
Commercial construction		-		-		-		-		15,182		15,182		-
Commercial		180		819		-		999		37,061		38,060		-
Residential real estate		1,203		-		91		1,294		467,030		468,324		-
Consumer		-		-		-		-		778		778		-
Total	$	2,103	$	819	$	91	$	3,013	$	928,053	$	931,066	$	-

December 31, 2017
Commercial real estate	$	2,852	$	-	$	104	$	2,956	$	344,336	$	347,292	$	-
Commercial construction		-		-		-		-		30,090		30,090		-
Commercial		-		-		-		-		36,406		36,406		-
Residential real estate		1,036		1,800		634		3,470		440,131		443,601		-
Consumer		-		-		-		-		904		904		-
Total	$	3,888	$	1,800	$	738	$	6,426	$	851,867	$	858,293	$	-

Activity In The Allowance For Loan Losses



	Commercial Real Estate		Commercial Construction		Commercial		Residential Real Estate		Consumer		Unallocated		Total

Allowance for loan losses	(In Thousands)
Three Months Ending September 30, 2018
Beginning Balance - June 30, 2018	$	2,381	$	158	$	420	$	3,793	$	27	$	694	$	7,473
Charge-offs		-		-		-		-		-		-		-
Recoveries		-		-		-		-		-		-		-
Provisions		62		(51)		(23)		26		(7)		53		60
Ending Balance - September 30, 2018	$	2,443	$	107	$	397	$	3,819	$	20	$	747	$	7,533

Nine Months Ending September 30, 2018
Beginning Balance - December 31, 2017	$	2,251	$	369	$	472	$	3,510	$	18	$	420	$	7,040
Charge-offs		-		-		(40)		(23)		-		-		(63)
Recoveries		8		-		-		8		-		-		16
Provisions		184		(262)		(35)		324		2		327		540
Ending Balance - September 30, 2018	$	2,443	$	107	$	397	$	3,819	$	20	$	747	$	7,533

Three Months Ending September 30, 2017
Beginning Balance - June 30, 2017	$	2,154	$	473	$	493	$	3,370	$	27	$	244	$	6,761
Charge-offs		(108)		-		-		(123)		-		-		(231)
Recoveries		-		-		-		-		-		-		-
Provisions		146		(49)		48		182		(10)		3		320
Ending Balance - September 30, 2017	$	2,192	$	424	$	541	$	3,429	$	17	$	247	$	6,850

Nine Months Ending September 30, 2017
Beginning Balance - December 31, 2016	$	2,349	$	516	$	423	$	2,937	$	15	$	277	$	6,517
Charge-offs		(108)		-		(122)		(185)		-		-		(415)
Recoveries		13		-		-		-		-		-		13
Provisions		(62)		(92)		240		677		2		(30)		735
Ending Balance - September 30, 2017	$	2,192	$	424	$	541	$	3,429	$	17	$	247	$	6,850

Allocation Of Allowance For Loan Losses And Related Loan Portfolio



	Commercial Real Estate		Commercial Construction		Commercial		Residential Real Estate		Consumer		Unallocated		Total

	(In Thousands)
September 30, 2018
Allowance for Loan Losses
Ending Balance	$	2,443	$	107	$	397	$	3,819	$	20	$	747	$	7,533
Ending balance: individually evaluated for impairment	$	-	$	-	$	34	$	167	$	-	$	-	$	201
Ending balance: collectively evaluated for impairment	$	2,443	$	107	$	363	$	3,652	$	20	$	747	$	7,332

Loans receivables:
Ending balance	$	408,722	$	15,182	$	38,060	$	468,324	$	778			$	931,066
Ending balance: individually evaluated for impairment	$	5,504	$	315	$	241	$	1,679	$	-			$	7,739
Ending balance: collectively evaluated for impairment	$	403,218	$	14,867	$	37,819	$	466,645	$	778			$	923,327

December 31, 2017
Allowance for Loan Losses
Ending Balance	$	2,251	$	369	$	472	$	3,510	$	18	$	420	$	7,040
Ending balance: individually evaluated for impairment	$	-	$	-	$	39	$	212	$	-	$	-	$	251
Ending balance: collectively evaluated for impairment	$	2,251	$	369	$	433	$	3,298	$	18	$	420	$	6,789

Loans receivables:
Ending balance	$	347,292	$	30,090	$	36,406	$	443,601	$	904			$	858,293
Ending balance: individually evaluated for impairment	$	7,383	$	315	$	245	$	2,029	$	-			$	9,972
Ending balance: collectively evaluated for impairment	$	339,909	$	29,775	$	36,161	$	441,572	$	904			$	848,321

Troubled Debt Restructuring Outstanding



	Accrual Loans		Non-Accrual Loans		Total Modifications

September 30, 2018	(In Thousands)
Commercial real estate	$	1,309	$	-	$	1,309
Commercial construction		260		-		260
Commercial		241		-		241
Residential real estate		1,161		25		1,186
Consumer		-		-		-
	$	2,971	$	25	$	2,996

December 31, 2017
Commercial real estate	$	3,002	$	-	$	3,002
Commercial construction		260		-		260
Commercial		245		-		245
Residential real estate		1,198		52		1,250
Consumer		-		-		-
	$	4,705	$	52	$	4,757

Schedule Of Newly Restructured Loans



	Number of Loans	Pre-Modification Outstanding Balance		Post- Modification Outstanding Balance

	(Dollars In Thousands)
Three Months Ending September 30, 2017
Residential real estate	2	$	122	$	53
	2	$	122	$	53


Nine Months Ending September 30, 2017
Residential real estate	2	$	122	$	53
	2	$	122	$	53

Deposits (Tables)

9 Months Ended

Sep. 30, 2018

Deposits [Abstract]

Components Of Deposits



	September 30,		December 31,
	2018		2017
	(In Thousands)

Demand, non-interest bearing	$	146,583	$	139,974
Demand, NOW and money market, interest bearing		130,881		110,122
Savings		450,745		507,840
Time, $250 and over		70,273		61,234
Time, other		117,594		81,684
Total deposits	$	916,076	$	900,854

Offsetting Assets And Liabilities (Tables)

9 Months Ended

Sep. 30, 2018

Offsetting Assets And Liabilities [Abstract]

Schedule Of Liabilities Subject To An Enforceable Master Netting Arrangement Or Repurchase Agreements



						Net Amounts
		Gross		Gross Amounts		of Liabilities
		Amounts of		Offset in the		Presented in the				Cash
		Recognized		Consolidated		Consolidated		Financial		Collateral
		Liabilities		Balance Sheet		Balance Sheet		Instruments		Pledged		Net Amount

		(In Thousands)
September 30, 2018
Repurchase Agreements:
Corporate Institutions	$	17,875	$	-	$	17,875	$	(17,875)	$	-	$	-

December 31, 2017
Repurchase Agreements:
Corporate Institutions	$	9,999	$	-	$	9,999	$	(9,999)	$	-	$	-

Other Comprehensive (Loss) Income (Tables)

9 Months Ended

Sep. 30, 2018

Other Comprehensive (Loss) Income [Abstract]

Schedule Of Comprehensive Income (Loss)



	Three Months Ended September 30,
	2018						2017

	(In Thousands)

	Before		Tax		Net of		Before		Tax		Net of
	Tax		Effect		Tax		Tax		Effect		Tax
Change in accumulated other comprehensive (loss) income:
Unrealized holding losses on securities available for sale	$	(783)	$	164	$	(619)	$	(162)	$	56	$	(106)
Reclassification adjustments for gains on securities transactions included in net income (A),(B)		-		-		-		(19)		6		(13)
Total other comprehensive loss	$	(783)	$	164	$	(619)	$	(181)	$	62	$	(119)



	Nine Months Ended September 30,
	2018						2017

	(In Thousands)
	Before		Tax		Net of		Before		Tax		Net of
	Tax		Effect		Tax		Tax		Effect		Tax
Change in accumulated other comprehensive (loss) income:
Unrealized holding (losses) gains on securities available for sale	$	(2,782)	$	584	$	(2,198)	$	1,188	$	(404)	$	784
Reclassification adjustments for gains on securities transactions included in net income (A),(B)		-		-		-		(19)		6		(13)
Total other comprehensive (loss) income	$	(2,782)	$	584	$	(2,198)	$	1,169	$	(398)	$	771

A.

Realized gains on securities transactions included in gain on sales of securities, net, in the accompanying Consolidated Statements of Income.

B.

Tax effect included in income tax expense in the accompanying Consolidated Statements of Income.

Schedule Of The Realized Gains On Securities Available For Sale, Net Of Tax


	Three Months Ended				Nine Months Ended
	September 30,				September 30,
		2018		2017		2018		2017

	(In Thousands)
Securities available for sale:
Realized gains on securities transactions	$	-	$	(19)	$	-	$	(19)
Income taxes		-		6		-		6
Net of tax	$	-	$	(13)	$	-	$	(13)

Schedule Of Accumulated Other Comprehensive Income



	Securities
	Available
	for Sale
Three Months Ended September 30, 2018 and 2017	(In Thousands)
Balance June 30, 2018	$	(1,560)
Other comprehensive loss before reclassifications		(619)
Amounts reclassified from accumulated other comprehensive income		-
Net other comprehensive loss during the period		(619)
Balance September 30, 2018	$	(2,179)

Balance June 30, 2017	$	866
Other comprehensive loss before reclassifications		(106)
Amounts reclassified from accumulated other comprehensive income		(13)
Net other comprehensive loss during the period		(119)
Balance September 30, 2017	$	747



Nine Months Ended September 30, 2018 and 2017
Balance January 1, 2018	$	19
Other comprehensive loss before reclassifications		(2,198)
Amounts reclassified from accumulated other comprehensive income		-
Net other comprehensive loss during the period		(2,198)
Balance September 30, 2018	$	(2,179)

Balance January 1, 2017	$	(24)
Other comprehensive income before reclassifications		784
Amounts reclassified from accumulated other comprehensive income		(13)
Net other comprehensive income during the period		771
Balance September 30, 2017	$	747

Basic And Diluted Earnings Per Share (Tables)

9 Months Ended

Sep. 30, 2018

Basic And Diluted Earnings Per Share [Abstract]

Earnings Per Share


	Three Months Ended				Nine Months Ended
	September 30,				September 30,
	2018		2017		2018		2017

	(Dollars In Thousands, Except Share and Per Share Data)
Net income	$	2,680	$	2,233	$	7,567	$	6,218

Weighted average shares outstanding		7,474,877		7,444,231		7,473,044		7,445,997
Dilutive effect of potential common shares, stock options		66,573		57,076		66,508		57,038
Diluted weighted average common shares outstanding		7,541,450		7,501,307		7,539,552		7,503,035

Basic earnings per share	$	0.36	$	0.30	$	1.01	$	0.84
Diluted earnings per share	$	0.35	$	0.30	$	1.00	$	0.83

Fair Value Measurements (Tables)

9 Months Ended

Sep. 30, 2018

Fair Value Measurements [Abstract]

Fair Value Of Financial Assets Measured On Recurring Basis



		(Level 1)		(Level 2)
		Quoted		Significant		(Level 3)
		Prices in Active		Other		Significant
		Markets for		Observable		Unobservable
Description	Identical Assets		Inputs		Inputs		Total

		(In Thousands)
U.S. Government agency obligations	$	-	$	5,989	$	-	$	5,989
Municipal bonds		-		34,957		-		34,957
U.S. Government Sponsored Enterprise (GSE) -
Mortgage-backed securities - residential		-		46,184		-		46,184
September 30, 2018 Securities available for sale	$	-	$	87,130	$	-	$	87,130

U.S. Government agency obligations	$	-	$	9,988	$	-	$	9,988
Municipal bonds		-		38,321		-		38,321
U.S. Government Sponsored Enterprise (GSE) -
Mortgage-backed securities - residential		-		41,987		-		41,987
December 31, 2017 Securities available for sale	$	-	$	90,296	$	-	$	90,296

Fair Value Of Financial Assets Measured On Nonrecurring Basis



		(Level 1)		(Level 2)
		Quoted		Significant		(Level 3)
		Prices in Active		Other		Significant
		Markets for		Observable		Unobservable
Description	Identical Assets		Inputs		Inputs		Total
		(In Thousands)
September 30, 2018 Impaired loans	$	-	$	-	$	896	$	896
September 30, 2018 Other real estate owned	$	-	$	-	$	480	$	480
December 31, 2017 Impaired loans	$	-	$	-	$	980	$	980
December 31, 2017 Other real estate owned	$	-	$	-	$	458	$	458

Quantitative Information About Level 3 Fair Value Measurements



	Quantitative Information about Level 3 Fair Value Measurements
Description	Fair Value Estimate		Valuation Techniques	Unobservable Input	Range (Weighted Average)

		(Dollars In Thousands)
September 30, 2018:
Impaired loans	$	896	Appraisal of collateral	Appraisal adjustments (1)	0% to -25% (-17.9%)
				Liquidation expenses (2)	0% to -8.5% (-8.2%)
Other real estate owned	$	480	Listings, Letters of Intent	Liquidation expenses (2)	-5% (-5%)
			& Third Party Evaluations
December 31, 2017:
Impaired loans	$	980	Appraisal of collateral	Appraisal adjustments (1)	0% to -25% (-23.2%)
				Liquidation expenses (2)	0% to -8.5% (-7.7%)
Other real estate owned	$	458	Listings, Letters of Intent	Liquidation expenses (2)	-5% (-5%)
			& Third Party Evaluations

1.

Appraisals may be adjusted by management for qualitative factors including economic conditions and the age of the appraisal. The range and weighted average of appraisal adjustments are presented as a percent of the appraisal.

2.

Appraisals and pending agreements of sale are adjusted by management for liquidation expenses. The range and weighted average of liquidation expense adjustments are presented as a percent of the appraisal or pending agreement of sale.

Estimated Fair Value Of Financial Instruments



						(Level 1)
						Quoted		(Level 2)		(Level 3)
						Prices in Active		Significant Other		Significant
		Carrying		Fair Value		Markets for		Observable		Unobservable
		Amount		Estimate		Identical Assets		Inputs		Inputs

	(In Thousands)
September 30, 2018:
Financial assets:
Cash and cash equivalents	$	34,311	$	34,311	$	34,311	$	-	$	-
Securities available-for-sale		87,130		87,130		-		87,130		-
Loans receivable, net of allowance		924,161		903,726		-		-		903,726
Restricted investments in bank stock		2,671		2,671		-		2,671		-
Accrued interest receivable		2,110		2,110		-		2,110		-
Financial liabilities:
Deposits		916,076		914,572		-		914,572		-
Securities sold under agreements to
repurchase and federal funds purchased		17,875		17,860		-		17,860		-
Short-term borrowings		50,921		50,921		-		50,921		-
Accrued interest payable		1,296		1,296		-		1,296		-
Off-balance sheet financial instruments:
Commitments to grant loans		-		-		-		-		-
Unfunded commitments under lines of credit		-		-		-		-		-
Standby letters of credit		-		-		-		-		-

December 31, 2017:
Financial assets:
Cash and cash equivalents	$	33,534	$	33,534	$	33,534	$	-	$	-
Securities available-for-sale		90,296		90,296		-		90,296		-
Loans receivable, net of allowance		851,711		849,328		-		-		849,328
Restricted investments in bank stock		583		583		-		583		-
Accrued interest receivable		1,983		1,983		-		1,983		-
Financial liabilities:
Deposits		900,854		900,232		-		900,232		-
Securities sold under agreements to
repurchase and federal funds purchased		9,999		9,994		-		9,994		-
Accrued interest payable		874		874		-		874		-
Off-balance sheet financial instruments:
Commitments to grant loans		-		-		-		-		-
Unfunded commitments under lines of credit		-		-		-		-		-
Standby letters of credit		-		-		-		-		-

Basis Of Presentation (Details)	9 Months Ended
Basis Of Presentation (Details)	Sep. 30, 2018
Basis Of Presentation [Abstract]
Reason for business combination	The Company was formed for purposes of acquiring Embassy Bank For The Lehigh Valley (the "Bank") in connection with the reorganization of the Bank into a bank holding company structure, which was consummated on November 11, 2008.
Effective date of acquisition	Nov. 11, 2008

Securities Available For Sale (Narrative) (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018 USD ($) security	Sep. 30, 2017 USD ($)	Sep. 30, 2018 USD ($) security	Sep. 30, 2017 USD ($)	Dec. 31, 2017 USD ($)
Securities Available For Sale [Abstract]
Realized gains	$ 0	$ 19	$ 0	$ 19
Realized losses	0	$ 0	0	$ 0
Securities pledged as collateral	$ 82,800		$ 82,800		$ 87,300
Securities in an unrealized loss position \| security	48		48

Securities Available For Sale (Amortized Cost And Fair Values Of Securities Available-For-Sale) (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost, Total	$ 89,888	$ 90,272
Gross Unrealized Gains	514	1,169
Gross Unrealized Losses	(3,272)	(1,145)
Fair Value	87,130	90,296
U.S Government Agency Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost, Total	6,008	10,039
Gross Unrealized Losses	(19)	(51)
Fair Value	5,989	9,988
Municipal Bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost, Total	35,759	37,701
Gross Unrealized Gains	475	1,089
Gross Unrealized Losses	(1,277)	(469)
Fair Value	34,957	38,321
U.S. Government Sponsored Enterprise (GSE) - Mortgage-Backed Securities - Residential [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost, Total	48,121	42,532
Gross Unrealized Gains	39	80
Gross Unrealized Losses	(1,976)	(625)
Fair Value	$ 46,184	$ 41,987

Securities Available For Sale (Securities Available-For-Sale By Contractual Maturity) (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Securities Available For Sale [Abstract]
Amortized Cost, Due in one year or less	$ 7,547
Amortized Cost, Due after one year through five years	5,461
Amortized Cost, Due after five years through ten years	8,576
Amortized Cost, Due after ten years	20,183
Amortized Cost, Debt Maturities, Total	41,767
Amortized Cost, U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential	48,121
Amortized Cost, Total	89,888	$ 90,272
Fair Value, Due in one year or less	7,551
Fair Value, Due after one year through five years	5,528
Fair Value, Due after five years through ten years	8,184
Fair Value, Due after ten years	19,683
Fair Value, Debt maturities, Total	40,946
Fair Value, U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential	46,184
Fair Value, Total	$ 87,130	$ 90,296

Securities Available For Sale (Investments' Gross Unrealized Losses And Fair Value) (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less Than 12 Months	$ 22,569	$ 34,713
Fair Value, 12 Months or More	42,246	20,722
Fair Value, Total	64,815	55,435
Unrealized Losses, Less Than 12 Months	(694)	(406)
Unrealized Losses, 12 Months or More	(2,578)	(739)
Unrealized Losses, Total	(3,272)	(1,145)
U.S Government Agency Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less Than 12 Months	1,000	7,003
Fair Value, 12 Months or More	4,989	2,985
Fair Value, Total	5,989	9,988
Unrealized Losses, Less Than 12 Months		(24)
Unrealized Losses, 12 Months or More	(19)	(27)
Unrealized Losses, Total	(19)	(51)
Municipal Bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less Than 12 Months	6,473	2,415
Fair Value, 12 Months or More	6,714	6,235
Fair Value, Total	13,187	8,650
Unrealized Losses, Less Than 12 Months	(361)	(77)
Unrealized Losses, 12 Months or More	(916)	(392)
Unrealized Losses, Total	(1,277)	(469)
U.S. Government Sponsored Enterprise (GSE) - Mortgage-Backed Securities - Residential [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less Than 12 Months	15,096	25,295
Fair Value, 12 Months or More	30,543	11,502
Fair Value, Total	45,639	36,797
Unrealized Losses, Less Than 12 Months	(333)	(305)
Unrealized Losses, 12 Months or More	(1,643)	(320)
Unrealized Losses, Total	$ (1,976)	$ (625)

Restricted Investment In Bank Stock (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
Restricted Investment In Bank Stock [Abstract]
FHLB stock repurchased	$ 936	$ 0	$ 3,000	$ 1,300
Payments to Acquire Federal Home Loan Bank Stock	1,800	0	5,100	1,300
Restricted stock dividends received	$ 21	$ 5	$ 35	$ 11

Loans Receivable And Credit Quality (Narrative) (Details)	3 Months Ended		9 Months Ended
	Sep. 30, 2018 USD ($) loan item	Sep. 30, 2017 USD ($) loan	Sep. 30, 2018 USD ($) loan item	Sep. 30, 2017 USD ($) loan	Dec. 31, 2017 USD ($)
Financing Receivable, Modifications [Line Items]
Available Commitments Outstanding on TDRs	$ 0		$ 0
Number of Loans \| loan	0	2	0	2
Number of Loans experiencing payment default \| loan	0	0	0	0
Number of foreclosed assets \| item	4		4
Foreclosed residential real estate held	$ 480,000		$ 480,000
Properties in process of foreclosure	$ 353,000		$ 353,000		$ 499,000
Impairment reserve recorded		$ 0		$ 0
Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans \| loan		2		2
Number of foreclosed assets \| item	2		2
Foreclosed residential real estate held	$ 235,000		$ 235,000

Loans Receivable And Credit Quality (Composition Of Loans Receivable) (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of total Loans	100.00%	100.00%
Total loans	$ 931,066	$ 858,293
Unearned origination fees	628	458
Allowance for loan losses	(7,533)	(7,040)
Net Loans Receivable	$ 924,161	$ 851,711
Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of total Loans	43.90%	40.46%
Total loans	$ 408,722	$ 347,292
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of total Loans	4.09%	4.24%
Total loans	$ 38,060	$ 36,406
Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of total Loans	50.30%	51.68%
Total loans	$ 468,324	$ 443,601
Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of total Loans	0.08%	0.11%
Total loans	$ 778	$ 904
Construction [Member] \| Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of total Loans	1.63%	3.51%
Total loans	$ 15,182	$ 30,090

Loans Receivable And Credit Quality (Schedule Of Loan Portfolio By Aggregate Risk Rating) (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	$ 931,066	$ 858,293
Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	924,246	851,720
Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	755
Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	6,065	6,573
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	408,722	347,292
Commercial Real Estate [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	403,489	341,865
Commercial Real Estate [Member] \| Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	5,233	5,427
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	38,060	36,406
Commercial [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	38,060	36,406
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	468,324	443,601
Residential Real Estate [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	467,052	442,770
Residential Real Estate [Member] \| Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	755
Residential Real Estate [Member] \| Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	517	831
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	778	904
Consumer [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	778	904
Construction [Member] \| Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	15,182	30,090
Construction [Member] \| Commercial [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	14,867	29,775
Construction [Member] \| Commercial [Member] \| Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	$ 315	$ 315

Loans Receivable And Credit Quality (Schedule Of Impaired Loans) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017	Dec. 31, 2017
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	$ 6,600		$ 6,600
Recorded Investment, With an allowance recorded	1,100		1,100
Total Recorded Investment	7,739		7,739		$ 9,972
Total Unpaid Principal Balance	8,308		8,308		10,623
Related Allowance	201		201		251
Total Average Recorded Investment Impaired	8,092	$ 10,207	8,583	$ 10,553
Total Interest Income Recognized	73	73	229	217
Commercial Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	5,504		5,504		7,383
Total Recorded Investment	5,504		5,504		7,383
Unpaid Principal Balance, With no related allowance recorded	5,768		5,768		7,748
Total Unpaid Principal Balance	5,768		5,768		7,748
Average Recorded Investment, With no related allowance recorded	5,738	5,517	6,146	6,730
Average Recorded Investment, With an allowance recorded		2,006		1,003
Total Average Recorded Investment Impaired	5,738	7,523	6,146	7,733
Interest Income Recognized, With no related allowance recorded	58	55	181	167
Interest Income Recognized, With an allowance recorded		7		17
Total Interest Income Recognized	58	62	181	184
Commercial [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With an allowance recorded	241		241		245
Total Recorded Investment	241		241		245
Unpaid Principal Balance, With an allowance recorded	241		241		245
Total Unpaid Principal Balance	241		241		245
Related Allowance	34		34		39
Average Recorded Investment, With no related allowance recorded	37		18	50
Average Recorded Investment, With an allowance recorded	242	247	243	255
Total Average Recorded Investment Impaired	279	247	261	305
Interest Income Recognized, With no related allowance recorded			2
Interest Income Recognized, With an allowance recorded	2	3	7	8
Total Interest Income Recognized	2	3	9	8
Residential Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	823		823		1,043
Recorded Investment, With an allowance recorded	856		856		986
Total Recorded Investment	1,679		1,679		2,029
Unpaid Principal Balance, With no related allowance recorded	1,128		1,128		1,329
Unpaid Principal Balance, With an allowance recorded	856		856		986
Total Unpaid Principal Balance	1,984		1,984		2,315
Related Allowance	167		167		212
Average Recorded Investment, With no related allowance recorded	849	909	916	1,191
Average Recorded Investment, With an allowance recorded	911	1,213	945	1,009
Total Average Recorded Investment Impaired	1,760	2,122	1,861	2,200
Interest Income Recognized, With no related allowance recorded	3	1	8	4
Interest Income Recognized, With an allowance recorded	7	4	23	13
Total Interest Income Recognized	10	5	31	17
Construction [Member] \| Commercial [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	315		315		315
Total Recorded Investment	315		315		315
Unpaid Principal Balance, With no related allowance recorded	315		315		315
Total Unpaid Principal Balance	315		315		$ 315
Average Recorded Investment, With no related allowance recorded	315	315	315	315
Total Average Recorded Investment Impaired	315	315	315	315
Interest Income Recognized, With no related allowance recorded	3	3	8	8
Total Interest Income Recognized	$ 3	$ 3	$ 8	$ 8

Loans Receivable And Credit Quality (Schedule Of Nonaccrual Loans) (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-Accrual Loans	$ 378	$ 790
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-Accrual Loans		104
Residential Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-Accrual Loans	$ 378	$ 686

Loans Receivable And Credit Quality (Schedule Of Past Due Loans) (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 3,013	$ 6,426
Current	928,053	851,867
Total Loan Receivables	931,066	858,293
30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2,103	3,888
60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	819	1,800
Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	91	738
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	720	2,956
Current	408,002	344,336
Total Loan Receivables	408,722	347,292
Commercial Real Estate [Member] \| 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	720	2,852
Commercial Real Estate [Member] \| Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		104
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	999
Current	37,061	36,406
Total Loan Receivables	38,060	36,406
Commercial [Member] \| 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	180
Commercial [Member] \| 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	819
Residential Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,294	3,470
Current	467,030	440,131
Total Loan Receivables	468,324	443,601
Residential Real Estate [Member] \| 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,203	1,036
Residential Real Estate [Member] \| 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		1,800
Residential Real Estate [Member] \| Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	91	634
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	778	904
Total Loan Receivables	778	904
Construction [Member] \| Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	15,182	30,090
Total Loan Receivables	$ 15,182	$ 30,090

Loans Receivable And Credit Quality (Activity In Allowance For Loan Losses) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	$ 7,473	$ 6,761	$ 7,040	$ 6,517
Charge-offs		(231)	(63)	(415)
Recoveries			16	13
Provision for loan losses	60	320	540	735
Ending balance	7,533	6,850	7,533	6,850
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	2,381	2,154	2,251	2,349
Charge-offs		(108)		(108)
Recoveries			8	13
Provision for loan losses	62	146	184	(62)
Ending balance	2,443	2,192	2,443	2,192
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	420	493	472	423
Charge-offs			(40)	(122)
Provision for loan losses	(23)	48	(35)	240
Ending balance	397	541	397	541
Commercial [Member] \| Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	158	473	369	516
Provision for loan losses	(51)	(49)	(262)	(92)
Ending balance	107	424	107	424
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	3,793	3,370	3,510	2,937
Charge-offs		(123)	(23)	(185)
Recoveries			8
Provision for loan losses	26	182	324	677
Ending balance	3,819	3,429	3,819	3,429
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	27	27	18	15
Provision for loan losses	(7)	(10)	2	2
Ending balance	20	17	20	17
Unallocated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	694	244	420	277
Provision for loan losses	53	3	327	(30)
Ending balance	$ 747	$ 247	$ 747	$ 247

Loans Receivable And Credit Quality (Allocation Of Allowance For Loan Losses And Related Loan Portfolio) (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Jun. 30, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Dec. 31, 2016
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	$ 7,533	$ 7,473	$ 7,040	$ 6,850	$ 6,761	$ 6,517
Allowance for Loan Losses, Ending balance: individually evaluated for impairment	201		251
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	7,332		6,789
Total Loan Receivables	931,066		858,293
Loans receivables, Ending balance: individually evaluated for impairment	7,739		9,972
Loans receivables, Ending balance: collectively evaluated for impairment	923,327		848,321
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	2,443	2,381	2,251	2,192	2,154	2,349
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	2,443		2,251
Total Loan Receivables	408,722		347,292
Loans receivables, Ending balance: individually evaluated for impairment	5,504		7,383
Loans receivables, Ending balance: collectively evaluated for impairment	403,218		339,909
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	397	420	472	541	493	423
Allowance for Loan Losses, Ending balance: individually evaluated for impairment	34		39
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	363		433
Total Loan Receivables	38,060		36,406
Loans receivables, Ending balance: individually evaluated for impairment	241		245
Loans receivables, Ending balance: collectively evaluated for impairment	37,819		36,161
Commercial [Member] \| Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	107	158	369	424	473	516
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	107		369
Total Loan Receivables	15,182		30,090
Loans receivables, Ending balance: individually evaluated for impairment	315		315
Loans receivables, Ending balance: collectively evaluated for impairment	14,867		29,775
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	3,819	3,793	3,510	3,429	3,370	2,937
Allowance for Loan Losses, Ending balance: individually evaluated for impairment	167		212
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	3,652		3,298
Total Loan Receivables	468,324		443,601
Loans receivables, Ending balance: individually evaluated for impairment	1,679		2,029
Loans receivables, Ending balance: collectively evaluated for impairment	466,645		441,572
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	20	27	18	17	27	15
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	20		18
Total Loan Receivables	778		904
Loans receivables, Ending balance: collectively evaluated for impairment	778		904
Unallocated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	747	$ 694	420	$ 247	$ 244	$ 277
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	$ 747		$ 420

Loans Receivable And Credit Quality (Troubled Debt Restructuring Outstanding) (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Financing Receivable, Modifications [Line Items]
Total Modifications	$ 2,996	$ 4,757
Accrual Loans [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	2,971	4,705
Non-Accrual Loans [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	25	52
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	1,309	3,002
Commercial Real Estate [Member] \| Accrual Loans [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	1,309	3,002
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	241	245
Commercial [Member] \| Accrual Loans [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	241	245
Commercial [Member] \| Construction [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	260	260
Commercial [Member] \| Construction [Member] \| Accrual Loans [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	260	260
Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	1,186	1,250
Residential Real Estate [Member] \| Accrual Loans [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	1,161	1,198
Residential Real Estate [Member] \| Non-Accrual Loans [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	$ 25	$ 52

Loans Receivable And Credit Quality (Schedule Of Newly Restructured Loans) (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018 loan	Sep. 30, 2017 USD ($) loan	Sep. 30, 2018 loan	Sep. 30, 2017 USD ($) loan
Financing Receivable, Recorded Investment, Past Due [Line Items]
Number of Loans \| loan	0	2	0	2
Pre-Modification Outstanding Balance		$ 122		$ 122
Post-Modification Outstanding Balance		$ 53		$ 53
Residential Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Number of Loans \| loan		2		2
Pre-Modification Outstanding Balance		$ 122		$ 122
Post-Modification Outstanding Balance		$ 53		$ 53

Guarantees (Details) $ in Millions	9 Months Ended
Guarantees (Details) $ in Millions	Sep. 30, 2018 USD ($)
Guarantor Obligations [Line Items]
Guarantee obligations term	1 year
Maximum Potential Exposure	$ 4.3
Financial Standby Letter of Credit [Member]
Guarantor Obligations [Line Items]
Stand by letters of credit	$ 5.5

Deposits (Components Of Deposits) (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Deposits [Abstract]
Demand, non-interest bearing	$ 146,583	$ 139,974
Demand, NOW and money market, interest bearing	130,881	110,122
Savings	450,745	507,840
Time, $250 and over	70,273	61,234
Time, other	117,594	81,684
Total Deposits	$ 916,076	$ 900,854

Offsetting Assets And Liabilities (Narrative) (Details) - USD ($) $ in Millions	Sep. 30, 2018	Dec. 31, 2017
Securities Pledged as Collateral [Member]
Offsetting Liabilities [Line Items]
Off-balance sheet financial instruments	$ 20.7	$ 15.8

Offsetting Assets And Liabilities (Schedule Of Liabilities Subject To An Enforceable Master Netting Arrangement Or Repurchase Agreements) (Details) - Repurchase Agreements [Member] - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Offsetting Liabilities [Line Items]
Gross Amounts of Recognized Liabilities	$ 17,875	$ 9,999
Gross Amounts Offset in the Consolidated Balance Sheet
Net Amounts of Liabilities Presented in the Consolidated Balance Sheet	17,875	9,999
Financial Instruments	(17,875)	(9,999)
Cash Collateral Pledged
Net Amount

Short-Term And Long-Term Borrowings (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2018	Dec. 31, 2017
Line of Credit Facility [Line Items]
Maximum borrowing capacity	$ 533,000
Short-term borrowings	50,921
Long-term borrowings	$ 0	$ 0
Federal Home Loan Bank Advances [Member]
Line of Credit Facility [Line Items]
Debt interest rate	2.50%
Maximum [Member]
Line of Credit Facility [Line Items]
Federal Home Loan Bank advance period	60 months
Federal Home Loan Bank Advances [Member]
Line of Credit Facility [Line Items]
Line of credit, maximum borrowing capacity	$ 150,000
Atlantic Community Bankers Bank Borrowings [Member]
Line of Credit Facility [Line Items]
Line of credit, maximum borrowing capacity	10,000
Line of credit outstanding	$ 0	$ 0

Stock Incentive Plan And Employee Stock Purchase Plan (Narrative) (Details) $ in Thousands	1 Months Ended				3 Months Ended		9 Months Ended		12 Months Ended		96 Months Ended
	Dec. 31, 2016 shares	Jan. 31, 2014 shares	Feb. 28, 2013 shares	Feb. 29, 2012 shares	Sep. 30, 2018 USD ($) shares	Sep. 30, 2017 USD ($) shares	Sep. 30, 2018 USD ($) item shares	Sep. 30, 2017 USD ($) shares	Dec. 31, 2017 shares	Dec. 31, 2015 shares	Sep. 30, 2018 USD ($) shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock compensation expense \| $							$ 154	$ 77
Shares issued under employee stock purchase plan, shares							2,525	2,820
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock options granted	4,227	29,663	29,742	52,611			0		0	0
Stock compensation expense \| $					$ 1	$ 2	$ 3	$ 5
Unrecognized compensation cost \| $					$ 6		$ 6				$ 6
Unrecognized compensation cost, recognition period							1 year 2 months 19 days
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted					0	0	6,731	5,156			113,198
Restricted stock awards compensation expense \| $					$ 44	$ 24	$ 151	$ 72
Minimum [Member] \| Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period							3 years
Maximum [Member] \| Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period							9 years
Stock Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period							10 years
Number of shares authorized					500,000		500,000				500,000
Shares available for issuance					270,559		270,559				270,559
Employee Stock Purchase Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized					350,000		350,000				350,000
Minimum work hours per week \| item							20
Minimum months to be eligible to participate							5 months
Purchase price for share percentage equal to fair value of such shares							95.00%
Maximum discount to fair value percentage							15.00%
Shares issued under employee stock purchase plan, shares							6,160
Employee stock purchase plan, discount expense \| $					$ 1	$ 1	$ 2	$ 2

Other Comprehensive (Loss) Income (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
Other Comprehensive (Loss) Income [Abstract]
Realized gains	$ 0	$ 19	$ 0	$ 19

Other Comprehensive (Loss) Income (Schedule Of Comprehensive Income (Loss) (Details) - USD ($)
$ in Thousands

3 Months Ended

9 Months Ended

Sep. 30, 2018

Sep. 30, 2017

Sep. 30, 2018

Sep. 30, 2017

Other Comprehensive (Loss) Income [Abstract]

Unrealized holding (losses) gains on securities available for sale, Before Tax

$ (783)

$ (162)

$ (2,782)

$ 1,188

Unrealized holding (losses) gains on securities available for sale, Tax Effect

164

56

584

(404)

Unrealized holding (losses) gains on securities available for sale, Net of Tax

(619)

(106)

(2,198)

784

Reclassification adjustments for gains on securities transactions included in net income, Before Tax

^[1],[2]

(19)

^[1],[2]

(19)

Reclassification adjustments for gains on securities transactions included in net income: Tax Effect

^[1],[2]

6

^[1],[2]

6

Reclassification adjustments for gains on securities transactions included in net income: Net of Tax

^[1],[2]

(13)

^[1],[2]

(13)

Total other comprehensive (loss) income, before tax

(783)

(181)

(2,782)

1,169

Total other comprehensive (loss) income, Tax Effect

164

62

584

(398)

Other comprehensive (loss) gain, net of tax

$ (619)

$ (119)

$ (2,198)

$ 771

[1]	Realized gains on securities transactions included in gain on sales of securities, net, in the accompanying Consolidated Statements of Income.
[2]	Tax effect included in income tax expense in the accompanying Consolidated Statements of Income.

Other Comprehensive (Loss) Income (Schedule Of The Realized Gains On Securities Available For Sale, Net Of Tax) (Details) - USD ($)
$ in Thousands

3 Months Ended

9 Months Ended

Sep. 30, 2018

^[1],[2]

Sep. 30, 2017

^[1],[2]

Sep. 30, 2018

Sep. 30, 2017

Other Comprehensive (Loss) Income [Abstract]

Reclassification adjustments for gains on securities transactions included in net income, Before Tax

$ (19)

Income taxes

6

Reclassification adjustments for gains on securities transactions included in net income: Net of Tax

$ (13)

[1]	Realized gains on securities transactions included in gain on sales of securities, net, in the accompanying Consolidated Statements of Income.
[2]	Tax effect included in income tax expense in the accompanying Consolidated Statements of Income.

Other Comprehensive (Loss) Income (Schedule Of Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
Other Comprehensive (Loss) Income [Abstract]
Beginning Balance	$ (1,560)	$ 866	$ 19	$ (24)
Other comprehensive income (loss) before reclassifications	(619)	(106)	(2,198)	784
Amounts reclassified from accumulated other comprehensive income		(13)		(13)
Other comprehensive (loss) gain, net of tax	(619)	(119)	(2,198)	771
Ending Balance	$ (2,179)	$ 747	$ (2,179)	$ 747

Basic And Diluted Earnings Per Share (Narrative) (Details) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
Basic And Diluted Earnings Per Share [Abstract]
Stock Excluded from Diluted Earnings Per Share Computation	0	4,227	0	4,227

Basic And Diluted Earnings Per Share (Earnings Per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
Basic And Diluted Earnings Per Share [Abstract]
Net income	$ 2,680	$ 2,233	$ 7,567	$ 6,218
Weighted average shares outstanding	7,474,877	7,444,231	7,473,044	7,445,997
Dilutive effect of potential common shares, stock options	66,573	57,076	66,508	57,038
Diluted weighted average common shares outstanding	7,541,450	7,501,307	7,539,552	7,503,035
Basic earnings per share	$ 0.36	$ 0.30	$ 1.01	$ 0.84
Diluted earnings per share	$ 0.35	$ 0.30	$ 1.00	$ 0.83

- Definition

The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.

+ References

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+ Details

- Definition

The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.

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+ Details

Fair Value Measurements (Narrative) (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Fair Value Measurements [Abstract]
Impaired loans aggregate balance	$ 7,739	$ 9,972
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	6,600
Impaired Financing Receivable, with Related Allowance, Recorded Investment	1,100
Related Allowance	$ 201	$ 251

Fair Value Measurements (Fair Value Of Financial Assets Measured On Recurring Basis) (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	$ 87,130	$ 90,296
U.S Government Agency Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	5,989	9,988
Municipal Bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	34,957	38,321
U.S. Government Sponsored Enterprise (GSE) - Mortgage-Backed Securities - Residential [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	46,184	41,987
(Level 1) Quoted Prices in Active Markets for Identical Assets [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
(Level 1) Quoted Prices in Active Markets for Identical Assets [Member] \| U.S Government Agency Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
(Level 1) Quoted Prices in Active Markets for Identical Assets [Member] \| Municipal Bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
(Level 1) Quoted Prices in Active Markets for Identical Assets [Member] \| U.S. Government Sponsored Enterprise (GSE) - Mortgage-Backed Securities - Residential [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
(Level 2) Significant Other Observable Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	87,130	90,296
(Level 2) Significant Other Observable Inputs [Member] \| U.S Government Agency Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	5,989	9,988
(Level 2) Significant Other Observable Inputs [Member] \| Municipal Bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	34,957	38,321
(Level 2) Significant Other Observable Inputs [Member] \| U.S. Government Sponsored Enterprise (GSE) - Mortgage-Backed Securities - Residential [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	46,184	41,987
(Level 3) Significant Unobservable Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
(Level 3) Significant Unobservable Inputs [Member] \| U.S Government Agency Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
(Level 3) Significant Unobservable Inputs [Member] \| Municipal Bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
(Level 3) Significant Unobservable Inputs [Member] \| U.S. Government Sponsored Enterprise (GSE) - Mortgage-Backed Securities - Residential [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities

Fair Value Measurements (Fair Value Of Financial Assets Measured On Nonrecurring Basis) (Details) - FV determined through independent appraisals of the underlying collateral [Member] - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset fair value	$ 896	$ 980
Other Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset fair value	480	458
(Level 3) Significant Unobservable Inputs [Member] \| Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset fair value	896	980
(Level 3) Significant Unobservable Inputs [Member] \| Other Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset fair value	$ 480	$ 458

Fair Value Measurements (Quantitative Information About Level 3 Fair Value Measurements) (Details) - (Level 3) Significant Unobservable Inputs [Member] - USD ($)
$ in Thousands

9 Months Ended

12 Months Ended

Sep. 30, 2018

Dec. 31, 2017

Impaired Loans [Member] | Appraisal Adjustment [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Asset fair value

$ 896

$ 980

Impaired Loans [Member] | Appraisal Adjustment [Member] | Minimum [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Range (Weighted Average)

^[1]

(25.00%)

Impaired Loans [Member] | Appraisal Adjustment [Member] | Maximum [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Range (Weighted Average)

^[1]

0.00%

Impaired Loans [Member] | Appraisal Adjustment [Member] | Weighted Average [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Range (Weighted Average)

^[1]

(17.90%)

(23.20%)

Impaired Loans [Member] | Liquidation Expenses [Member] | Minimum [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Range (Weighted Average)

^[2]

(8.50%)

Impaired Loans [Member] | Liquidation Expenses [Member] | Maximum [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Range (Weighted Average)

^[2]

0.00%

Impaired Loans [Member] | Liquidation Expenses [Member] | Weighted Average [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Range (Weighted Average)

^[2]

(8.20%)

(7.70%)

Other Real Estate Owned [Member] | Liquidation Expenses [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Asset fair value

$ 480

$ 458

Range (Weighted Average)

^[2]

(5.00%)

Other Real Estate Owned [Member] | Liquidation Expenses [Member] | Weighted Average [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Range (Weighted Average)

^[2]

(5.00%)

[1]	Appraisals may be adjusted by management for qualitative factors including economic conditions and the age of the appraisal. The range and weighted average of appraisal adjustments are presented as a percent of the appraisal.
[2]	Appraisals and pending agreements of sale are adjusted by management for liquidation expenses. The range and weighted average of liquidation expense adjustments are presented as a percent of the appraisal or pending agreement of sale.

Fair Value Measurements (Estimated Fair Value Of Financial Instruments) (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available for sale	$ 87,130	$ 90,296
Carrying Amount [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	34,311	33,534
Securities available for sale	87,130	90,296
Loans receivable, net of allowance	924,161	851,711
Restricted investment in bank stock	2,671	583
Accrued interest receivable	2,110	1,983
Deposits	916,076	900,854
Securities sold under agreements to repurchase and federal funds purchased	17,875	9,999
Short-term borrowings	50,921
Accrued interest payable	1,296	874
Fair Value Estimate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	34,311	33,534
Securities available for sale	87,130	90,296
Loans receivable, net of allowance	903,726	849,328
Restricted investment in bank stock	2,671	583
Accrued interest receivable	2,110	1,983
Deposits	914,572	900,232
Securities sold under agreements to repurchase and federal funds purchased	17,860	9,994
Short-term borrowings	50,921
Accrued interest payable	1,296	874
(Level 1) Quoted Prices in Active Markets for Identical Assets [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	34,311	33,534
Securities available for sale
(Level 2) Significant Other Observable Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available for sale	87,130	90,296
Restricted investment in bank stock	2,671	583
Accrued interest receivable	2,110	1,983
Deposits	914,572	900,232
Securities sold under agreements to repurchase and federal funds purchased	17,860	9,994
Short-term borrowings	50,921
Accrued interest payable	1,296	874
(Level 3) Significant Unobservable Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available for sale
Loans receivable, net of allowance	$ 903,726	$ 849,328