Loans And Leases (Tables)

3 Months Ended

Mar. 31, 2017

Recorded Investment In Loans By Portfolio Segment




	March 31, 2017		December 31, 2016
	( unaudited)
Commercial (1)	$	85,929	$	71,334
Real estate:
Single-family residential		87,101		92,544
Multi-family residential		31,076		34,291
Commercial		107,489		105,313
Construction		32,696		25,822
Consumer:
Home equity lines of credit		23,243		23,109
Other		382		637
Subtotal		367,916		353,050
Less: ALLL		(6,942)		(6,925)
Loans and leases, net	$	360,974	$	346,125

(1)

Includes $2,806 and $2,874 of commercial leases at March 31, 2017 and December 31, 2016, respectively.

Activity In ALLL By Portfolio Segment



	Three months ended March 31, 2017 (unaudited)
			Real Estate								Consumer
	Commercial		Single-family		Multi-family		Commercial		Construction		Home Equity lines of credit		Other		Total
Beginning balance	$	1,647	$	735	$	716	$	2,727	$	580	$	486	$	34	$	6,925
Addition to (reduction in) provision for loan losses		121		115		(87)		(236)		74		17		(4)		-
Charge-offs		-		-		-		-		-		-		-		-
Recoveries		-		16		-		-		-		1		-		17
Ending balance	$	1,768	$	866	$	629	$	2,491	$	654	$	504	$	30	$	6,942

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

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 and leases by portfolio segment and based on the impairment method as of March 31, 2017 (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	$	-	$	-	$	-	$	25	$	-	$	-	$	-	$	25
Collectively evaluated for impairment		1,768		866		629		2,466		654		504		30		6,917
Total ending allowance balance	$	1,768	$	866	$	629	$	2,491	$	654	$	504	$	30	$	6,942

Loans:
Individually evaluated for impairment	$	475	$	120	$	35	$	3,463	$	-	$	-	$	-	$	4,093
Collectively evaluated for impairment		85,454		86,981		31,041		104,026		32,696		23,243		382		363,823
Total ending loan balance	$	85,929	$	87,101	$	31,076	$	107,489	$	32,696	$	23,243	$	382	$	367,916

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



			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	$	1	$	-	$	-	$	21	$	-	$	-	$	-	$	22
Collectively evaluated for impairment		1,646		735		716		2,706		580		486		34		6,903
Total ending allowance balance	$	1,647	$	735	$	716	$	2,727	$	580	$	486	$	34	$	6,925

Loans:
Individually evaluated for impairment	$	557	$	122	$	37	$	2,732	$	-	$	-	$	-	$	3,448
Collectively evaluated for impairment		70,777		92,422		34,254		102,581		25,822		23,109		637		349,602
Total ending loan balance	$	71,334	$	92,544	$	34,291	$	105,313	$	25,822	$	23,109	$	637	$	353,050

Individually Evaluated For Impairment By Class Of Loans

The following table presents loans individually evaluated for impairment by class of loans as of and for the period ended March 31, 2017. 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, 2017. Cash payments of interest on these loans during the three months ended March 31, 2017 totaled $56.


							Three months ended
	As of March 31, 2017						March 31, 2017
	(unaudited)						(unaudited)
	Unpaid Principal Balance		Recorded Investment		ALLL Allocated		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial	$	411	$	293	$	-	$	293	$	2
Real estate:
Single-family residential		-		-		-		-		-
Multi-family residential		-		-		-		-		-
Commercial:
Non-owner occupied		-		-		-		-		-
Owner occupied		760		344		-		394		12
Total with no allowance recorded		1,171		637		-		687		14

With an allowance recorded:
Commercial		182		182		-		188		1
Real estate:
Single-family residential		120		120		-		120		2
Multi-family residential		35		35		-		36		1
Commercial:
Non-owner occupied		2,171		2,171		17		2,173		32
Owner occupied		948		948		8		1,025		2
Total with an allowance recorded		3,456		3,456		25		3,542		38
Total	$	4,627	$	4,093	$	25	$	4,229	$	52

The following table presents loans individually evaluated for impairment by class of loans as of and for the period ended December 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 during the three months ended March 31, 2016 totaled $79.


							Three months ended
	As of December 31, 2016						March 31, 2016
							(unaudited)
	Unpaid Principal Balance		Recorded Investment		ALLL Allocated		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial	$	476	$	358	$	-	$	28	$	-
Real estate:
Single-family residential		-		-		-		161		-
Multi-family residential		37		37		-		1,539		23
Commercial:
Non-owner occupied		112		112		-		446		-
Owner occupied		871		350		-		370		9
Land		-		-		-		-		-
Total with no allowance recorded		1,496		857		-		2,544		32

With an allowance recorded:
Commercial		199		199		1		701		2
Real estate:
Single-family residential		122		122		-		127		2
Multi-family residential		-		-		-		44		1
Commercial:
Non-owner occupied		2,068		2,068		19		2,217		33
Owner occupied		202		202		2		361		5
Land		-		-		-		242		4
Total with an allowance recorded		2,591		2,591		22		3,692		47
Total	$	4,087	$	3,448	$	22	$	6,236	$	79

Recorded Investment In Nonperforming Loans By Class Of Loans




	March 31, 2017		December 31, 2016
	(unaudited)
Loans past due over 90 days still on accrual	$	-	$	-
Nonaccrual loans:
Commercial		251		263
Real estate:
Single-family residential		274		397
Commercial:
Owner occupied		749		-
Consumer:
Home equity lines of credit:
Originated for portfolio		42		44
Purchased for portfolio		69		-
Total nonaccrual		1,385		704
Total nonaccrual and nonperforming loans	$	1,385	$	704

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 and leases by class of loans as of March 31, 2017 (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	$	-	$	-	$	119	$	119	$	85,810	$	132
Real estate:
Single-family residential		503		-		-		503		86,598		274
Multi-family residential		-		-		-		-		31,076		-
Commercial:
Non-owner occupied		845		-		-		845		61,098		-
Owner occupied		-		-		749		749		36,683		-
Land		-		-		-		-		8,114		-
Construction		-		-		-		-		32,696		-
Consumer:
Home equity lines of credit:
Originated for portfolio		269		-		-		269		22,334		42
Purchased for portfolio		-		-		69		69		571		-
Other		-		-		-		-		382		-
Total	$	1,617	$	-	$	937	$	2,554	$	365,362	$	448

The following table presents the aging of the recorded investment in past due loans and leases by class of loans as of December 31, 2016:



	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	$	-	$	-	$	119	$	119	$	71,215	$	144
Real estate:
Single-family residential		284		49		106		439		92,105		291
Multi-family residential		-		-		-		-		34,291		-
Commercial:
Non-owner occupied		-		-		-		-		60,936		-
Owner occupied		269		600		-		869		34,891		-
Land		-		-		-		-		8,617		-
Construction		48		-		-		48		25,774		-
Consumer:
Home equity lines of credit:
Originated for portfolio		-		15		-		15		22,440		44
Purchased for portfolio		69		-		-		69		585		-
Other		-		-		-		-		637		-
Total	$	670	$	664	$	225	$	1,559	$	351,491	$	479

Loans Modified As TDRs By Class Of Loans




	March 31, 2017		December 31, 2016
	(unaudited)
Commercial	$	131	$	144
Total	$	131	$	144

Recorded Investment In Loans By Risk Category And Class Of Loans

The recorded investment in loans and leases by risk category and by class of loans and leases as of March 31, 2017 and based on the most recent analysis performed follows. There were no loans or leases rated doubtful at March 31, 2017.


(unaudited)	Not Rated		Pass		Special Mention		Substandard		Total
Commercial	$	2,819	$	82,361	$	274	$	475	$	85,929
Real estate:
Single-family residential		86,813		-		-		288		87,101
Multi-family residential		-		30,411		496		169		31,076
Commercial:
Non-owner occupied		94		59,244		1,760		845		61,943
Owner occupied		-		35,302		1,037		1,093		37,432
Land		-		5,910		-		2,204		8,114
Construction		2,612		30,084		-		-		32,696
Consumer:
Home equity lines of credit:
Originated for portfolio		22,478		-		-		125		22,603
Purchased for portfolio		431		-		-		209		640
Other		382		-		-		-		382
	$	115,629	$	243,312	$	3,567	$	5,408	$	367,916

The recorded investment in loans and leases by risk category and by class of loans and leases as of December 31, 2016 follows. There were no loans or leases rated doubtful at December 31, 2016.



	Not Rated		Pass		Special Mention		Substandard		Total
Commercial	$	47	$	70,444	$	286	$	557	$	71,334
Real estate:
Single-family residential		92,130		-		-		414		92,544
Multi-family residential		-		33,615		505		171		34,291
Commercial:
Non-owner occupied		115		58,183		1,782		856		60,936
Owner occupied		-		33,493		1,048		1,219		35,760
Land		-		6,380		-		2,237		8,617
Construction		1,997		23,825		-		-		25,822
Consumer:
Home equity lines of credit:
Originated for portfolio		22,328		-		-		127		22,455
Purchased for portfolio		512		-		-		142		654
Other		637		-		-		-		637
	$	117,766	$	225,940	$	3,621	$	5,723	$	353,050