Loans And Leases (Tables)

12 Months Ended

Dec. 31, 2018

Loans And Leases [Abstract]

Recorded Invetment In Loans By Portfolio Segment

	December 31, 2018		December 31, 2017
Commercial (1)	$	126,887	$	101,975
Real estate:
Single-family residential		118,386		95,578
Multi-family residential		47,651		35,665
Commercial		173,435		111,866
Construction		61,792		42,862
Consumer:
Home equity lines of credit		23,961		25,054
Other		5,583		376
Subtotal		557,695		413,376
Less: ALLL		(7,012)		(6,970)
Loans and Leases, net	$	550,683	$	406,406

⁽¹⁾ Includes $5,403 and $6,008 of commercial leases at December 31, 2018 and December 31, 2017, respectively.

Activity In ALLL By Portfolio Segment

	December 31, 2018
			Real Estate								Consumer
	Commercial		Single-family		Multi-family		Commercial		Construction		Home Equity lines of credit		Other		Total
Beginning balance	$	1,984	$	912	$	660	$	2,143	$	672	$	597	$	2	$	6,970
Addition to (reduction in) provision for loan losses		(167)		131		(48)		131		67		(209)		95		-
Charge-offs		-		(6)		-		-		-		-		-		(6)
Recoveries		2		24		-		-		-		22		-		48
Ending balance	$	1,819	$	1,061	$	612	$	2,274	$	739	$	410	$	97	$	7,012

	December 31, 2017
			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		335		157		(56)		(584)		92		88		(32)		-
Charge-offs		-		-		-		-		-		-		-		-
Recoveries		2		20		-		-		-		23		-		45
Ending balance	$	1,984	$	912	$	660	$	2,143	$	672	$	597	$	2	$	6,970

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 impairment method as of December 31, 2018:

			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	$	-	$	-	$	-	$	22	$	-	$	-	$	-	$	22
Collectively evaluated for impairment		1,819		1,061		612		2,252		739		410		97		6,990
Total ending allowance balance	$	1,819	$	1,061	$	612	$	2,274	$	739	$	410	$	97	$	7,012
Loans:
Individually evaluated for impairment	$	100	$	110	$	-	$	2,951	$	-	$	-	$	-	$	3,161
Collectively evaluated for impairment		126,787		118,276		47,651		170,484		61,792		23,961		5,583		554,534
Total ending loan balance	$	126,887	$	118,386	$	47,651	$	173,435	$	61,792	$	23,961	$	5,583	$	557,695

The following table presents the balance in the ALLL and the recorded investment in loans and leases by portfolio segment and based on impairment method as of December 31, 2017:

			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	$	-	$	-	$	-	$	26	$	-	$	-	$	-	$	26
Collectively evaluated for impairment		1,984		912		660		2,117		672		597		2		6,944
Total ending allowance balance	$	1,984	$	912	$	660	$	2,143	$	672	$	597	$	2	$	6,970
Loans:
Individually evaluated for impairment		277	$	116	$	-	$	3,183	$	-	$	-	$	-	$	3,576
Collectively evaluated for impairment		101,698		95,462		35,665		108,683		42,862		25,054		376		409,800
Total ending loan balance	$	101,975	$	95,578	$	35,665	$	111,866	$	42,862	$	25,054	$	376	$	413,376

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 year ended December 31, 2018. 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. Cash payments of interest on these loans during the twelve months ended December 31, 2018 totaled $192.

	Unpaid Principal Balance		Recorded Investment		ALLL Allocated		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Real estate:
Commercial:
Owner occupied	$	379	$	125	$	-	$	130	$	21
Total with no allowance recorded		379		125		-		130		21
With an allowance recorded:
Commercial (1)		100		100		-		185		4
Real estate:
Single-family residential (1)		110		110		-		113		6
Commercial:
Non-owner occupied		2,826		2,826		22		2,837		157
Owner occupied		-		-		-		131		7
Total with an allowance recorded		3,036		3,036		22		3,266		174
Total	$	3,415	$	3,161	$	22	$	3,396	$	195

⁽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 year ended December 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. Cash payments of interest on these loans during the twelve months ended December 31, 2017 totaled $190.

	Unpaid Principal Balance		Recorded Investment		ALLL Allocated		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Real estate:
Commercial:
Owner occupied	$	391	$	137	$	-	$	142	$	26
Total with no allowance recorded		391		137		-		142		26
With an allowance recorded:
Commercial (1)		277		277		-		291		9
Real estate:
Single-family residential (1)		116		116		-		118		6
Commercial:
Non-owner occupied		2,856		2,856		24		2,882		154
Owner occupied		190		190		2		194		9
Total with an allowance recorded		3,439		3,439		26		3,485		178
Total	$	3,830	$	3,576	$	26	$	3,627	$	204

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

Recorded Investment In Nonaccrual Loans By Class Of Loans

	2018		2017
Loans past due over 90 days still on accrual	$	-	$	-
Nonaccrual loans:
Commercial		100		115
Real estate:
Single-family residential		167		253
Consumer:
Home equity lines of credit:
Purchased for portfolio		89		102
Other consumer		21		-
Total nonaccrual		377		470
Total nonperforming loans	$	377	$	470

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 December 31, 2018:

	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	$	-	$	-	$	-	$	-	$	126,887	$	100
Real estate:
Single-family residential		597		-		23		620		117,766		144
Multi-family residential		-		-		-		-		47,651		-
Commercial:
Non-owner occupied		-		-		-		-		122,465		-
Owner occupied		-		-		-		-		43,087		-
Land		-		-		-		-		7,883		-
Construction		-		-		-		-		61,792		-
Consumer:
Home equity lines of credit:
Originated for portfolio		474		-		-		474		23,119		-
Purchased for portfolio		-		33		-		33		335		89
Other		-		-		21		21		5,562		-
Total	$	1,071	$	33	$	44	$	1,148	$	556,547	$	333

The following table presents the aging of the recorded investment in past due loans and leases by class of loans as of December 31, 2017:

	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	$	-	$	-	$	-	$	-	$	101,975	$	115
Real estate:
Single-family residential		1,610		27		104		1,741		93,837		149
Multi-family residential		-		-		-		-		35,665		-
Commercial:
Non-owner occupied		-		-		-		-		67,792		-
Owner occupied		-		-		-		-		38,787		-
Land		-		-		-		-		5,287		-
Construction		-		-		-		-		42,862		-
Consumer:
Home equity lines of credit:
Originated for portfolio		-		-		-		-		24,592		-
Purchased for portfolio		-		-		102		102		360		-
Other		24		-		-		24		352		-
Total	$	1,634	$	27	$	206	$	1,867	$	411,509	$	264

Loans Modified As TDRs By Class Of Loans

	Number of Loans		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial		1	$	841	$	841
Total		1	$	841	$	841

Schedule Of Debtor Troubled Debt Restructuring, Subsequent Periods

	2018		2017
Commercial	$	100	$	115
Total	$	100	$	115

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 as of December 31, 2018 and based on the most recent analysis performed follows.  There were no loans rated doubtful at December 31, 2018. 

	Not Rated		Pass		Special Mention		Substandard		Total
Commercial	$	-	$	123,369	$	2,651	$	867	$	126,887
Real estate:
Single-family residential		118,219		-		-		167		118,386
Multi-family residential		-		47,072		425		154		47,651
Commercial:
Non-owner occupied		76		119,843		1,701		845		122,465
Owner occupied		-		39,747		2,252		1,088		43,087
Land		-		7,883		-		-		7,883
Construction		3,279		58,513		-		-		61,792
Consumer:
Home equity lines of credit:
Originated for portfolio		23,525		-		-		68		23,593
Purchased for portfolio		279		-		-		89		368
Other		5,562		-		-		21		5,583
	$	150,940	$	396,427	$	7,029	$	3,299	$	557,695

The recorded investment in loans and leases by risk category and class of loans as of December 31, 2017 follows.  There were no loans rated doubtful at December 31, 2017.

	Not Rated		Pass		Special Mention		Substandard		Total
Commercial	$	-	$	98,829	$	2,869	$	277	$	101,975
Real estate:
Single-family residential		95,317		-		-		261		95,578
Multi-family residential		-		35,036		466		163		35,665
Commercial:
Non-owner occupied		88		65,161		1,711		832		67,792
Owner occupied		-		37,453		1,008		326		38,787
Land		-		5,287		-		-		5,287
Construction		2,239		40,623		-		-		42,862
Consumer:
Home equity lines of credit:
Originated for portfolio		24,516		-		-		76		24,592
Purchased for portfolio		360		-		-		102		462
Other		376		-		-		-		376
	$	122,896	$	282,389	$	6,054	$	2,037	$	413,376

Components Of Net Investment In Direct Financing Leases

	December 31, 2018		December 31, 2017
Total minimum lease payments to be received	$	6,045	$	6,838
Less: unearned income		(642)		(830)
Net investment in direct financing leases	$	5,403	$	6,008

⁽¹⁾ There were no initial direct costs associated with these leases

Summary Of Future Minimum Lease Payments Receivable

2019	$	793
2020		793
2021		793
2022		793
2023		1,563
Thereafter		1,310
	$	6,045