Loans And Leases (Tables)

6 Months Ended

Jun. 30, 2017

Recorded Investment In Loans By Portfolio Segment




	June 30, 2017		December 31, 2016
	( unaudited)
Commercial (1)	$	83,504	$	71,334
Real estate:
Single-family residential		95,724		92,544
Multi-family residential		34,445		34,291
Commercial		106,876		105,313
Construction		28,770		25,822
Consumer:
Home equity lines of credit		23,115		23,109
Other		373		637
Subtotal		372,807		353,050
Less: ALLL		(6,958)		(6,925)
Loans and leases, net	$	365,849	$	346,125

(1)

Includes $4,204 and $2,874 of commercial leases at June 30, 2017 and December 31, 2016, respectively.

Activity In ALLL By Portfolio Segment



	Three months ended June 30, 2017 (unaudited)
			Real Estate								Consumer
	Commercial		Single-family		Multi-family		Commercial		Construction		Home Equity lines of credit		Other		Total
Beginning balance	$	1,768	$	866	$	629	$	2,491	$	654	$	504	$	30	$	6,942
Addition to (reduction in) provision for loan losses		-		89		96		(126)		(68)		37		(28)		-
Charge-offs		-		-		-		-		-		-		-		-
Recoveries		2		1		-		-		-		13		-		16
Ending balance	$	1,770	$	956	$	725	$	2,365	$	586	$	554	$	2	$	6,958



	Six months ended June 30, 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		204		9		(362)		6		54		(32)		-
Charge-offs		-		-		-		-		-		-		-		-
Recoveries		2		17		-		-		-		14		-		33
Ending balance	$	1,770	$	956	$	725	$	2,365	$	586	$	554	$	2	$	6,958

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

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 June 30, 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	$	-	$	-	$	-	$	34	$	-	$	-	$	-	$	34
Collectively evaluated for impairment		1,770		956		725		2,331		586		554		2		6,924
Total ending allowance balance	$	1,770	$	956	$	725	$	2,365	$	586	$	554	$	2	$	6,958

Loans:
Individually evaluated for impairment	$	339	$	119	$	33	$	4,171	$	-	$	-	$	-	$	4,662
Collectively evaluated for impairment		83,165		95,605		34,412		102,705		28,770		23,115		373		368,145
Total ending loan balance	$	83,504	$	95,724	$	34,445	$	106,876	$	28,770	$	23,115	$	373	$	372,807

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 June 30, 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, and deferred loan fees and costs. The table presents accrual basis interest income recognized during the three and six months ended June 30, 2017. Cash payments of interest on these loans during the three and six months ended June 30, 2017 totaled $59 and $114, respectively.


							Three months ended				Six months ended
	As of June 30, 2017						June 30, 2017				June 30, 2017
	(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	$	1	$	1	$	-	$	2	$	-	$	5	$	-
Real estate:
Single-family residential		-		-		-		-		-		-		-
Multi-family residential		-		-		-		-		-		-		-
Commercial:
Non-owner occupied		-		-		-		-		-		-		-
Owner occupied		396		142		-		143		6		145		14
Total with no allowance recorded		397		143		-		145		6		150		14

With an allowance recorded:
Commercial (1)		338		338		-		342		3		348		6
Real estate:
Single-family residential (1)		119		119		-		119		2		120		3
Multi-family residential (1)		33		33		-		34		1		35		1
Commercial:
Non-owner occupied		3,001		3,001		26		3,004		45		3,009		78
Owner occupied		1,028		1,028		8		1,101		4		1,162		10
Total with an allowance recorded		4,519		4,519		34		4,600		55		4,674		98
Total	$	4,916	$	4,662	$	34	$	4,745	$	61	$	4,824	$	112

(1)

Allowance recorded is less than $1 resulting in rounding to zero.

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, and 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 during the three and six months ended June 30, 2016 totaled $84 and $161, respectively.


							Three months ended				Six months ended
	As of December 31, 2016						June 30, 2016				June 30, 2016
							(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	$	476	$	358	$	-	$	571	$	6	$	571	$	8
Real estate:
Single-family residential		-		-		-		161		-		161		-
Multi-family residential		37		37		-		1,529		23		1,534		47
Commercial:
Non-owner occupied		112		112		-		446		-		446		-
Owner occupied		871		350		-		365		13		367		22
Land		-		-		-		-		-		-		-
Total with no allowance recorded		1,496		857		-		3,072		42		3,079		77

With an allowance recorded:
Commercial		199		199		1		242		1		251		2
Real estate:
Single-family residential (1)		122		122		-		126		2		126		4
Multi-family residential		-		-		-		42		1		43		1
Commercial:
Non-owner occupied		2,068		2,068		19		2,206		33		2,211		66
Owner occupied		202		202		2		209		2		211		5
Land		-		-		-		232		4		237		8
Total with an allowance recorded		2,591		2,591		22		3,057		43		3,079		86
Total	$	4,087	$	3,448	$	22	$	6,129	$	85	$	6,158	$	163

(1)

Allowance recorded is less than $1 resulting in rounding to zero.

Recorded Investment In Nonperforming Loans By Class Of Loans




	June 30, 2017		December 31, 2016
	(unaudited)
Loans past due over 90 days still on accrual	$	-	$	-
Nonaccrual loans:
Commercial		124		263
Real estate:
Single-family residential		269		397
Commercial:
Owner occupied		638		-
Consumer:
Home equity lines of credit:
Originated for portfolio		-		44
Purchased for portfolio		67		-
Total nonaccrual		1,098		704
Total nonaccrual and nonperforming loans	$	1,098	$	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 June 30, 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	$	20	$	-	$	-	$	20	$	83,484	$	124
Real estate:
Single-family residential		969		69		-		1,038		94,686		269
Multi-family residential		-		-		-		-		34,445		-
Commercial:
Non-owner occupied		103		-		-		103		64,129		-
Owner occupied		-		-		638		638		36,455		-
Land		-		-		-		-		5,551		-
Construction		80		-		-		80		28,690		-
Consumer:
Home equity lines of credit:
Originated for portfolio		15		177		-		192		22,309		-
Purchased for portfolio		37		-		67		104		510		-
Other		-		-		-		-		373		-
Total	$	1,224	$	246	$	705	$	2,175	$	370,632	$	393

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




	June 30, 2017		December 31, 2016
	(unaudited)
Commercial	$	124	$	144
Total	$	124	$	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 June 30, 2017 and based on the most recent analysis performed follows. There were no loans or leases rated doubtful at June 30, 2017.


(unaudited)	Not Rated		Pass		Special Mention		Substandard		Total
Commercial	$	4,200	$	78,620	$	345	$	339	$	83,504
Real estate:
Single-family residential		95,442		-		-		282		95,724
Multi-family residential		-		33,792		486		167		34,445
Commercial:
Non-owner occupied		92		61,559		1,740		841		64,232
Owner occupied		-		35,092		1,026		975		37,093
Land		-		3,373		-		2,178		5,551
Construction		2,221		26,549		-		-		28,770
Consumer:
Home equity lines of credit:
Originated for portfolio		22,421		-		-		80		22,501
Purchased for portfolio		409		-		-		205		614
Other		373		-		-		-		373
	$	125,158	$	238,985	$	3,597	$	5,067	$	372,807

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