Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2019

Allowance For Loan Losses [Abstract]

Changes in the Allowance for Loan Losses

An allocation of a portion of the allowance to a given portfolio class does not limit the Company’s ability to absorb losses in another portfolio class.

	For the three months ended June 30, 2019
	1-4 family
	first-lien			Residential									Other
	residential			construction			Commercial			Commercial			commercial
(In thousands)	mortgage			mortgage			real estate			lines of credit			and industrial
Allowance for loan losses:
Beginning Balance	$	722		$	-		$	3,370		$	802		$	1,560
Charge-offs		(11	)		-			-			(24	)		(1	)
Recoveries		1			-			-			-			-
Provisions		12			-			82			367			143
Ending balance	$	724		$	-		$	3,452		$	1,145		$	1,702
Ending balance: related to loans individually evaluated for impairment		104			-			108			204			287
Ending balance: related to loans collectively evaluated for impairment	$	620		$	-		$	3,344		$	941		$	1,415
Loans receivables:
Ending balance	$	239,422		$	3,966		$	225,794		$	56,569		$	79,590
Ending balance: individually evaluated for impairment		1,633			-			4,461			370			1,146
Ending balance: collectively evaluated for impairment	$	237,789		$	3,966		$	221,333		$	56,199		$	78,444

				Home equity			Other
	Tax exempt			and junior liens			Consumer			Unallocated			Total
Allowance for loan losses:
Beginning Balance	$	1		$	430		$	399		$	-		$	7,284
Charge-offs		-			-			(40	)		-			(76	)
Recoveries		-			-			6			-			7
Provisions (credits)		-			(44	)		50			-			610
Ending balance	$	1		$	386		$	415		$	-		$	7,825
Ending balance: related to loans individually evaluated for impairment		-			136			6			-			845
Ending balance: related to loans collectively evaluated for impairment	$	1		$	250		$	409		$	-		$	6,980
Loans receivables:
Ending balance	$	8,803		$	26,214		$	52,508					$	692,866
Ending balance: individually evaluated for impairment		-			247			97						7,954
Ending balance: collectively evaluated for impairment	$	8,803		$	25,967		$	52,411					$	684,912

	For the six months ended June 30, 2019
	1-4 family
	first-lien			Residential									Other
	residential			construction			Commercial			Commercial			commercial
(In thousands)	mortgage			mortgage			real estate			lines of credit			and industrial
Allowance for loan losses:
Beginning Balance	$	766		$	-		$	3,578		$	730		$	1,285
Charge-offs		(11	)		-			-			(131	)		(2	)
Recoveries		1			-			-			-			-
Provisions (credits)		(32	)		-			(126	)		546			419
Ending balance	$	724		$	-		$	3,452		$	1,145		$	1,702

				Home equity			Other
	Tax exempt			and junior liens			consumer			Unallocated			Total
Allowance for loan losses:
Beginning Balance	$	1		$	409		$	385		$	152		$	7,306
Charge-offs		-			-			(107	)		-			(251	)
Recoveries		-			-			15			-			16
Provisions (credits)		-			(23	)		122			(152	)		754
Ending balance	$	1		$	386		$	415		$	-		$	7,825

	For the three months ended June 30, 2018
	1-4 family
	first-lien			Residential									Other
	residential			construction			Commercial			Commercial			commercial
(In thousands)	mortgage			mortgage			real estate			lines of credit			and industrial
Allowance for loan losses:
Beginning Balance	$	751		$	-		$	3,895		$	719		$	1,309
Charge-offs		(74	)		-			-			(50	)		(48	)
Recoveries		-			-			-			66			-
Provisions (credits)		45			-			246			(4	)		10
Ending balance	$	722		$	-		$	4,141		$	731		$	1,271
Ending balance: related to loans individually evaluated for impairment		111			-			596			47			276
Ending balance: related to loans collectively evaluated for impairment	$	611		$	-		$	3,545		$	684		$	995
Loans receivables:
Ending balance	$	225,864		$	3,288		$	206,960		$	49,314		$	58,742
Ending balance: individually evaluated for impairment		1,844			-			4,530			209			1,038
Ending balance: collectively evaluated for impairment	$	224,020		$	3,288		$	202,430		$	49,105		$	57,704


				Home equity			Other
	Tax exempt			and junior liens			Consumer			Unallocated			Total
Allowance for loan losses:
Beginning Balance	$	1		$	507		$	260		$	9		$	7,451
Charge-offs		-			-			(48	)		-			(220	)
Recoveries		-			1			10			-			77
Provisions (credits)		-			(74	)		69			5			297
Ending balance	$	1		$	434		$	291		$	14		$	7,605
Ending balance: related to loans individually evaluated for impairment		-			141			-			-			1,171
Ending balance: related to loans collectively evaluated for impairment	$	1		$	293		$	291		$	14		$	6,434
Loans receivables:
Ending balance	$	9,860		$	26,262		$	27,037					$	607,327
Ending balance: individually evaluated for impairment		-			207			-						7,828
Ending balance: collectively evaluated for impairment	$	9,860		$	26,055		$	27,037					$	599,499

	For the six months ended June 30, 2018
	1-4 family
	first-lien			Residential									Other
	residential			construction			Commercial			Commercial			commercial
(In thousands)	mortgage			mortgage			real estate			lines of credit			and industrial
Allowance for loan losses:
Beginning Balance	$	865		$	-		$	3,589		$	735		$	1,214
Charge-offs		(192	)		-			-			(50	)		(171	)
Recoveries		20			-			-			66			-
Provisions (credits)		29			-			552			(20	)		228
Ending balance	$	722		$	-		$	4,141		$	731		$	1,271

				Home equity			Other
	Tax exempt			and junior liens			consumer			Unallocated			Total
Allowance for loan losses:
Beginning Balance	$	1		$	514		$	208		$	-		$	7,126
Charge-offs		-			(17	)		(111	)		-			(541	)
Recoveries		-			1			23			-			110
Provisions (credits)		-			(64	)		171			14			910
Ending balance	$	1		$	434		$	291		$	14		$	7,605

Schedule of Allowance for Loan Losses on Basis of Calculation Methodology

The allocation of the allowance for loan losses summarized on the basis of the Company’s calculation methodology was as follows:

	June 30, 2019
	1-4 family
	first-lien		Residential						Other
	residential		construction		Commercial		Commercial		commercial
(In thousands)	mortgage		mortgage		real estate		lines of credit		and industrial
Specifically reserved	$	104	$	-	$	108	$	204	$	287
Historical loss rate		64		-		89		35		28
Qualitative factors		556		-		3,255		906		1,387
Total	$	724	$	-	$	3,452	$	1,145	$	1,702

			Home equity		Other
	Tax exempt		and junior liens		consumer		Unallocated		Total
Specifically reserved	$	-	$	136	$	6	$	-	$	845
Historical loss rate		-		1		144		-		361
Qualitative factors		1		249		265		-		6,619
Total	$	1	$	386	$	415	$	-	$	7,825

	June 30, 2018
	1-4 family
	first-lien		Residential						Other
	residential		construction		Commercial		Commercial		commercial
(In thousands)	mortgage		mortgage		real estate		lines of credit		and industrial
Specifically reserved	$	111	$	-	$	596	$	47	$	276
Historical loss rate		111		-		86		24		17
Qualitative factors		500		-		3,459		660		978
Total	$	722	$	-	$	4,141	$	731	$	1,271

			Home equity		Other
	Tax exempt		and junior liens		consumer		Unallocated		Total
Specifically reserved	$	-	$	141	$	-	$	-	$	1,171
Historical loss rate		-		24		112		-		374
Qualitative factors		1		269		179		-		6,046
Other		-		-		-		14		14
Total	$	1	$	434	$	291	$	14	$	7,605