Loans (Tables)

6 Months Ended

Jun. 30, 2016

Recorded Investment In Loans By Portfolio Segment




	June 30, 2016		December 31, 2015
	( unaudited)
Commercial	$	58,714	$	43,744
Real estate:
Single-family residential		91,849		81,985
Multi-family residential		32,949		28,950
Commercial		102,714		96,488
Construction		20,373		24,662
Consumer:
Home equity lines of credit		23,640		21,837
Other		738		6,018
Subtotal		330,977		303,684
Less: ALLL		(6,613)		(6,620)
Loans, net	$	324,364	$	297,064

Activity In ALLL By Portfolio Segment

The following table presents the activity in the ALLL by portfolio segment for the three and six months ended June 30, 2016:



	Three months ended June 30, 2016 (unaudited)
			Real Estate								Consumer
	Commercial		Single-family		Multi-family		Commercial		Construction		Home Equity lines of credit		Other		Total

Beginning balance	$	1,486	$	741	$	722	$	2,609	$	523	$	570	$	65	$	6,716
Addition to (reduction in) provision for loan losses		90		227		(28)		(42)		(45)		16		(58)		160
Charge-offs		(118)		(94)		-		-		-		(53)		-		(265)
Recoveries		-		1		-		-		-		1		-		2
Ending balance	$	1,458	$	875	$	694	$	2,567	$	478	$	534	$	7	$	6,613



	Six months ended June 30, 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		196		277		(11)		(143)		(83)		66		(92)		210
Charge-offs		(118)		(94)		-		-		-		(53)		-		(265)
Recoveries		-		1		-		-		-		47		-		48
Ending balance	$	1,458	$	875	$	694	$	2,567	$	478	$	534	$	7	$	6,613

The following table presents the activity in the ALLL by portfolio segment for the three months ended June 30, 2015:



	Three months ended June 30, 2015 (unaudited)
			Real Estate								Consumer
	Commercial		Single-family		Multi-family		Commercial		Construction		Home Equity lines of credit		Other		Total

Beginning balance	$	1,451	$	700	$	693	$	2,497	$	541	$	468	$	92	$	6,442
Addition to (reduction in) provision for loan losses		(57)		(11)		61		(103)		181		(14)		18		75
Charge-offs		-		(31)		-		(25)		-		-		-		(56)
Recoveries		-		-		-		3		-		16		-		19
Ending balance	$	1,394	$	658	$	754	$	2,372	$	722	$	470	$	110	$	6,480



	Six months ended June 30, 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		31		54		(64)		(180)		280		9		20		150
Charge-offs		(8)		(31)		-		(25)		-		-		(10)		(74)
Recoveries		25		1		-		36		-		20		6		88
Ending balance	$	1,394	$	658	$	754	$	2,372	$	722	$	470	$	110	$	6,480

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 June 30, 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	$	2	$	1	$	-	$	25	$	-	$	-	$	-	$	28
Collectively evaluated for impairment		1,456		874		694		2,542		478		534		7		6,585
Total ending allowance balance	$	1,458	$	875	$	694	$	2,567	$	478	$	534	$	7	$	6,613

Loans:
Individually evaluated for impairment	$	806	$	286	$	1,566	$	3,449	$	-	$	-	$	-	$	6,107
Collectively evaluated for impairment		57,908		91,563		31,383		99,265		20,373		23,640		738		324,870
Total ending loan balance	$	58,714	$	91,849	$	32,949	$	102,714	$	20,373	$	23,640	$	738	$	330,977

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 June 30, 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 and six months ended June 30, 2016. Cash payments of interest on these loans during the three and six months ended June 30, 2016 totaled $84 and $161, respectively.


							Three months ended				Six months ended
	As of June 30, 2016						June 30, 2016				June 30, 2016
	(unaudited)						(unaudited)				(unaudited)
	Unpaid Principal Balance		Recorded Investment		ALLL Allocated		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial	$	688	$	569	$	-	$	571	$	6	$	571	$	8
Real estate:
Single-family residential		322		161		-		161		-		161		-
Multi-family residential		1,525		1,525		-		1,529		23		1,534		47
Commercial:
Non-owner occupied		546		446		-		446		-		446		-
Owner occupied		884		363		-		365		13		367		22
Land		-		-		-		-		-		-		-
Total with no allowance recorded		3,965		3,064		-		3,072		42		3,079		77

With an allowance recorded:
Commercial		237		237		2		242		1		251		2
Real estate:
Single-family residential		125		125		1		126		2		126		4
Multi-family residential		41		41		-		42		1		43		1
Commercial:
Non-owner occupied		2,203		2,203		20		2,206		33		2,211		66
Owner occupied		208		208		2		209		2		211		5
Land		274		229		3		232		4		237		8
Total with an allowance recorded		3,088		3,043		28		3,057		43		3,079		86
Total	$	7,053	$	6,107	$	28	$	6,129	$	85	$	6,158	$	163

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 and six months ended June 30, 2015. Cash payments of interest during the three and six months ended June 30, 2015 totaled $84 and $166, respectively.


							Three months ended				Six months ended
	As of December 31, 2015						June 30, 2015				June 30, 2015
							(unaudited)				(unaudited)
	Unpaid Principal Balance		Recorded Investment		ALLL Allocated		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial	$	36	$	28	$	-	$	74	$	-	$	78	$	1
Real estate:
Single-family residential		322		161		-		176		-		178		-
Multi-family residential		1,545		1,545		-		1,565		24		1,569		47
Commercial:
Non-owner occupied		546		446		-		458		-		463		-
Owner occupied		688		167		-		176		10		178		19
Land		-		-		-		-		-		-		-
Total with no allowance recorded		3,137		2,347		-		2,449		34		2,466		67

With an allowance recorded:
Commercial		394		394		5		451		3		464		6
Real estate:
Single-family residential		128		128		1		122		2		123		4
Multi-family residential		45		45		-		49		1		50		2
Commercial:
Non-owner occupied		2,224		2,224		9		2,247		34		2,252		68
Owner occupied		363		363		1		373		5		375		10
Land		294		249		4		277		4		287		9
Total with an allowance recorded		3,448		3,403		20		3,519		49		3,551		99
Total	$	6,585	$	5,750	$	20	$	5,968	$	83	$	6,017	$	166

Recorded Investment In Nonperforming Loans By Class Of Loans




	June 30, 2016		December 31, 2015
	(unaudited)
Loans past due over 90 days still on accrual	$	-	$	-
Nonaccrual loans:
Commercial		292		224
Real estate:
Single-family residential		565		640
Commercial:
Non-owner occupied		446		446
Consumer:
Home equity lines of credit:
Originated for portfolio		-		20
Purchased for portfolio		94		95
Other consumer		-		-
Total nonaccrual		1,397		1,425
Total nonaccrual and nonperforming loans	$	1,397	$	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 June 30, 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	$	226	$	119	$	-	$	345	$	58,369	$	292
Real estate:
Single-family residential		1,201		41		214		1,456		90,393		351
Multi-family residential		-		-		-		-		32,949		-
Commercial:
Non-owner occupied		-		-		446		446		58,994		-
Owner occupied		-		-		-		-		32,926		-
Land		-		-		-		-		10,348		-
Construction		-		-		-		-		20,373		-
Consumer:
Home equity lines of credit:
Originated for portfolio		-		-		-		-		22,635		-
Purchased for portfolio		-		-		94		94		911		-
Other		-		-		-		-		738		-
Total	$	1,427	$	160	$	754	$	2,341	$	328,636	$	643

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




	June 30, 2016		December 31, 2015
	(unaudited)
Commercial	$	172	$	195
Real estate:
Single-family residential		161		161
Multi-family residential		-		-
Commercial:
Non-owner occupied		-		-
Owner occupied		-		-
Total	$	333	$	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 June 30, 2016 and based on the most recent analysis performed follows. There were no loans rated doubtful at June 30, 2016.


(unaudited)	Not Rated		Pass		Special Mention		Substandard		Total
Commercial	$	49	$	57,557	$	413	$	695	$	58,714
Real estate:
Single-family residential		91,263		-		-		586		91,849
Multi-family residential		-		32,260		514		175		32,949
Commercial:
Non-owner occupied		120		55,956		2,029		1,335		59,440
Owner occupied		-		30,649		1,914		363		32,926
Land		-		7,837		-		2,511		10,348
Construction		5,388		14,985		-		-		20,373
Consumer:
Home equity lines of credit:
Originated for portfolio		22,548		-		-		87		22,635
Purchased for portfolio		764		-		-		241		1,005
Other		738		-		-		-		738
	$	120,870	$	199,244	$	4,870	$	5,993	$	330,977

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