Loans (Tables)

3 Months Ended

Mar. 31, 2016

Recorded Investment In Loans By Portfolio Segment



	March 31,		December 31,
	2016		2015
	( unaudited)
Commercial	$	47,505	$	43,744
Real estate:
Single-family residential		80,367		81,985
Multi-family residential		30,369		28,950
Commercial		98,116		96,488
Construction		23,064		24,662
Consumer:
Home equity lines of credit		23,250		21,837
Other		4,524		6,018
Subtotal		307,195		303,684
Less: ALLL		(6,716)		(6,620)
Loans, net	$	300,479	$	297,064

Activity In ALLL By Portfolio Segment

The following table presents the activity in the ALLL by portfolio segment for the three months ended March 31, 2016:



	Three months ended March 31, 2016 (unaudited)
			Real Estate								Consumer
	Commercial		Single-family		Multi-family		Commercial		Construction		Home Equity lines of credit		Other		Total

Beginning balance	$	1,380	$	691	$	705	$	2,710	$	561	$	474	$	99	$	6,620
Addition to (reduction in) provision for loan losses		106		50		17		(101)		(38)		50		(34)		50
Charge-offs		-		-		-		-		-		-		-		-
Recoveries		-		-		-		-		-		46		-		46
Ending balance	$	1,486	$	741	$	722	$	2,609	$	523	$	570	$	65	$	6,716

The following table presents the activity in the ALLL by portfolio segment for the three months ended March 31, 2015:



	Three months ended March 31, 2015 (unaudited)
			Real Estate								Consumer
	Commercial		Single-family		Multi-family		Commercial		Construction		Home Equity lines of credit		Other		Total

Beginning balance	$	1,346	$	634	$	818	$	2,541	$	442	$	441	$	94	$	6,316
Addition to (reduction in) provision for loan losses		88		65		(125)		(77)		99		23		2		75
Charge-offs		(8)		-		-		-		-		-		(10)		(18)
Recoveries		25		1		-		33		-		4		6		69
Ending balance	$	1,451	$	700	$	693	$	2,497	$	541	$	468	$	92	$	6,442

Balance In ALLL And Recorded Investment In Loans By Portfolio Segment And Based On Impairment Method

The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on the impairment method as of March 31, 2016 (unaudited):



			Real Estate								Consumer
	Commercial		Single- family		Multi- family		Commercial		Construction		Home Equity lines of credit		Other		Total

ALLL:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	54	$	1	$	-	$	27	$	-	$	-	$	-	$	82
Collectively evaluated for impairment		1,432		740		722		2,582		523		570		65		6,634
Total ending allowance balance	$	1,486	$	741	$	722	$	2,609	$	523	$	570	$	65	$	6,716

Loans:
Individually evaluated for impairment	$	721	$	287	$	1,577	$	3,627	$	-	$	-	$	-	$	6,212
Collectively evaluated for impairment		46,784		80,080		28,792		94,489		23,064		23,250		4,524		300,983
Total ending loan balance	$	47,505	$	80,367	$	30,369	$	98,116	$	23,064	$	23,250	$	4,524	$	307,195

The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on the impairment method as of December 31, 2015:



			Real Estate								Consumer
	Commercial		Single- family		Multi- family		Commercial		Construction		Home Equity lines of credit		Other		Total
ALLL:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	5	$	1	$	-	$	14	$	-	$	-	$	-	$	20
Collectively evaluated for impairment		1,375		690		705		2,696		561		474		99		6,600
Total ending allowance balance	$	1,380	$	691	$	705	$	2,710	$	561	$	474	$	99	$	6,620

Loans:
Individually evaluated for impairment		422	$	289	$	1,590	$	3,449	$	-	$	-	$	-	$	5,750
Collectively evaluated for impairment		43,322		81,696		27,360		93,039		24,662		21,837		6,018		297,934
Total ending loan balance	$	43,744	$	81,985	$	28,950	$	96,488	$	24,662	$	21,837	$	6,018	$	303,684

Individually Evaluated For Impairment By Class Of Loans

The following table presents loans individually evaluated for impairment by class of loans at March 31, 2016. The unpaid principal balance is the contractual principal balance outstanding. The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, deferred loan fees and costs. The table presents accrual basis interest income recognized during the three months ended March 31, 2016. Cash payments of interest on these loans during the three months ended March 31, 2016 totaled $79.


							Three months ended
	As of March 31, 2016 (unaudited)						March 31, 2016 (unaudited)
	Unpaid Principal Balance		Recorded Investment		ALLL Allocated		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial	$	36	$	28	$	-	$	28	$	-
Real estate:
Single-family residential		322		161		-		161		-
Multi-family residential		1,534		1,534		-		1,539		23
Commercial:
Non-owner occupied		546		446		-		446		-
Owner occupied		890		368		-		370		9
Land		-		-		-		-		-
Total with no allowance recorded		3,328		2,537		-		2,544		32

With an allowance recorded:
Commercial		694		693		54		701		2
Real estate:
Single-family residential		127		126		1		127		2
Multi-family residential		43		43		-		44		1
Commercial:
Non-owner occupied		2,213		2,214		21		2,217		33
Owner occupied		359		360		3		361		5
Land		284		239		3		242		4
Total with an allowance recorded		3,720		3,675		82		3,692		47
Total	$	7,048	$	6,212	$	82	$	6,236	$	79

The following table presents loans individually evaluated for impairment by class of loans at December 31, 2015. The unpaid principal balance is the contractual principal balance outstanding. The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, deferred loan fees and costs. The table presents accrual basis interest income recognized during the three months ended March 31, 2015. Cash payments of interest during the three months ended March 31, 2015 totaled $83.


							Three months ended
	As of December 31, 2015						March 31, 2015 (unaudited)
	Unpaid Principal Balance		Recorded Investment		ALLL Allocated		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial	$	36	$	28	$	-	$	69	$	1
Real estate:
Single-family residential		322		161		-		171		-
Multi-family residential		1,545		1,545		-		1,574		23
Commercial:
Non-owner occupied		546		446		-		468		-
Owner occupied		688		167		-		180		10
Land		-		-		-		-		-
Total with no allowance recorded		3,137		2,347		-		2,462		34

With an allowance recorded:
Commercial		394		394		5		490		3
Real estate:
Single-family residential		128		128		1		123		2
Multi-family residential		45		45		-		51		1
Commercial:
Non-owner occupied		2,224		2,224		9		2,256		33
Owner occupied		363		363		1		377		5
Land		294		249		4		297		5
Total with an allowance recorded		3,448		3,403		20		3,594		49
Total	$	6,585	$	5,750	$	20	$	6,056	$	83

Recorded Investment In Nonperforming Loans By Class Of Loans




	March 31, 2016		December 31, 2015
	(unaudited)
Loans past due over 90 days still on accrual	$	-	$	-
Nonaccrual loans:
Commercial		214		224
Real estate:
Single-family residential		668		640
Multi-family residential		-		-
Commercial:
Non-owner occupied		446		446
Owner occupied		-		-
Land		-		-
Consumer:
Home equity lines of credit:
Originated for portfolio		20		20
Purchased for portfolio		94		95
Other consumer		-		-
Total nonaccrual		1,442		1,425
Total nonaccrual and nonperforming loans	$	1,442	$	1,425

Aging Of Recorded Investment In Past Due Loans By Class Of Loans

The following table presents the aging of the recorded investment in past due loans by class of loans as of March 31, 2016 (unaudited):


	30 - 59 Days Past Due		60 - 89 Days Past Due		Greater than 90 Days Past Due		Total Past Due		Loans Not Past Due		Nonaccrual Loans Not > 90 days Past Due

Commercial	$	5	$	-	$	28	$	33	$	47,472	$	186
Real estate:
Single-family residential		1,229		52		308		1,589		78,778		360
Multi-family residential		-		-		-		-		30,369		-
Commercial:
Non-owner occupied		-		-		446		446		60,631		-
Owner occupied		-		-		-		-		28,400		-
Land		-		-		-		-		8,639		-
Construction		-		-		-		-		23,064		-
Consumer:
Home equity lines of credit:
Originated for portfolio		-		20		-		20		22,204		20
Purchased for portfolio		94		-		-		94		932		94
Other		-		-		-		-		4,524		-
Total	$	1,328	$	72	$	782	$	2,182	$	305,013	$	660

The following table presents the aging of the recorded investment in past due loans by class of loans as of December 31, 2015:



	30 - 59 Days Past Due		60 - 89 Days Past Due		Greater than 90 Days Past Due		Total Past Due		Loans Not Past Due		Nonaccrual Loans Not > 90 days Past Due

Commercial	$	-	$	9	$	28	$	37	$	43,707	$	196
Real estate:
Single-family residential		598		161		148		907		81,078		492
Multi-family residential		-		-		-		-		28,950		-
Commercial:
Non-owner occupied		-		446		-		446		57,573		446
Owner occupied		-		-		-		-		30,169		-
Land		-		-		-		-		8,300		-
Construction		-		-		-		-		24,662		-
Consumer:
Home equity lines of credit:
Originated for portfolio		-		-		-		-		20,789		20
Purchased for portfolio		-		-		-		-		1,048		95
Other		-		-		-		-		6,018		-
Total	$	598	$	616	$	176	$	1,390	$	302,294	$	1,249

Loans Modified As TDRs By Class Of Loans




	March 31, 2016		December 31, 2015
	(unaudited)
Commercial	$	185	$	195
Real estate:
Single-family residential		161		161
Multi-family residential		-		-
Commercial:
Non-owner occupied		-		-
Owner occupied		-		-
Total	$	346	$	356

Recorded Investment In Loans By Risk Category And Class Of Loans

The recorded investment in loans by risk category and by class of loans as of March 31, 2016 and based on the most recent analysis performed follows. There were no loans rated doubtful at March 31, 2016. (unaudited)


	Not Rated		Pass		Special Mention		Substandard		Total

Commercial	$	72	$	44,924	$	1,907	$	602	$	47,505
Real estate:
Single-family residential		79,675		-		-		692		80,367
Multi-family residential		-		29,669		523		177		30,369
Commercial:
Non-owner occupied		122		57,766		1,837		1,352		61,077
Owner occupied		-		24,982		3,049		369		28,400
Land		-		6,094		-		2,545		8,639
Construction		9,101		13,963		-		-		23,064
Consumer:
Home equity lines of credit:
Originated for portfolio		22,114		-		-		110		22,224
Purchased for portfolio		783		-		-		243		1,026
Other		751		3,773		-		-		4,524
	$	112,618	$	181,171	$	7,316	$	6,090	$	307,195

The recorded investment in loans by risk category and by class of loans as of December 31, 2015 follows. There were no loans rated doubtful at December 31, 2015.



	Not Rated		Pass		Special Mention		Substandard		Total

Commercial	$	83	$	41,473	$	1,892	$	296	$	43,744
Real estate:
Single-family residential		81,318		-		-		667		81,985
Multi-family residential		2,777		25,466		528		179		28,950
Commercial:
Non-owner occupied		125		54,674		1,852		1,368		58,019
Owner occupied		-		26,923		3,079		167		30,169
Land		-		5,720		-		2,580		8,300
Construction		11,252		13,410		-		-		24,662
Consumer:
Home equity lines of credit:
Originated for portfolio		20,677		-		-		112		20,789
Purchased for portfolio		802		-		-		246		1,048
Other		2,172		3,846		-		-		6,018
	$	119,206	$	171,512	$	7,351	$	5,615	$	303,684