0001571049-15-009180.txt : 20151112 0001571049-15-009180.hdr.sgml : 20151112 20151112163510 ACCESSION NUMBER: 0001571049-15-009180 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 10 CONFORMED PERIOD OF REPORT: 20150930 FILED AS OF DATE: 20151112 DATE AS OF CHANGE: 20151112 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Provident Bancorp, Inc. CENTRAL INDEX KEY: 0001635840 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 453231576 STATE OF INCORPORATION: MA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 001-37504 FILM NUMBER: 151225309 BUSINESS ADDRESS: STREET 1: 5 MARKET STREET CITY: AMESBURY STATE: MA ZIP: 01913 BUSINESS PHONE: (978) 388-0050 MAIL ADDRESS: STREET 1: 5 MARKET STREET CITY: AMESBURY STATE: MA ZIP: 01913 10-Q 1 t1502582_10q.htm FORM 10-Q

 

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

 

xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended September 30, 2015

¨TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from _______________ to ______________________

 

Commission File No. 001-37504

Provident Bancorp, Inc.

(Exact name of registrant as specified in its charter)

 

Massachusetts   45-3231576
(State or other jurisdiction of   (I.R.S. Employer
incorporation or organization)   Identification Number)
     
5 Market Street, Amesbury, Massachusetts   01913
(Address of Principal Executive Offices)   Zip Code

 

(978) 834-8555

(Registrant’s telephone number)

 

N/A
(Former name or former address, if changed since last report)

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such requirements for the past 90 days.

YES x NO¨

 

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).

YES x NO¨.

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act. (Check one)

 

Large accelerated filer   ¨ Accelerated filer  ¨ Non-accelerated filer    ¨ Smaller reporting company     x
    (Do not check if a smaller reporting company)

 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). YES ¨ NO x

 

As of November 6, 2015, there were 9,498,722 shares of the Registrant’s common stock, no par value per share, issued and outstanding.

 

 

 

 

 

 

Provident Bancorp, Inc.

Form 10-Q

 

Page
     
Part I. Financial Information  
     
Item 1. Financial Statements  
     
  Consolidated Balance Sheets as of September 30, 2015 (unaudited) and December 31, 2014 2
     
  Consolidated Statements of Income for the Three and Nine Months Ended September 30, 2015 and 2014 (unaudited) 3
     
  Consolidated Statements of Comprehensive Income for the Three and Nine Months Ended September 30, 2015 and 2014 (unaudited) 4
     
  Consolidated Statements of Changes in Shareholders’ Equity for the Nine Months Ended September 30, 2015 and 2014 (unaudited) 5
     
  Consolidated Statements of Cash Flows for the Nine Months Ended September 30, 2015 and 2014 (unaudited) 6-7
     
  Notes to Consolidated Financial Statements (unaudited) 8-10
     
Item 2. Management’s Discussion and Analysis of Financial Condition 26
     
Item 3. Quantitative and Qualitative Disclosures about Market Risk 41
     
Item 4. Controls and Procedures 41
     
Part II. Other Information  
     
Item 1. Legal Proceedings 41
     
Item 1A. Risk Factors 41
     
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds 41
     
Item 3. Defaults upon Senior Securities 41
     
Item 4. Mine Safety Disclosures 41
     
Item 5. Other Information 41
     
Item 6. Exhibits 42
     
Signatures 43
   

 

 1 

 

Part I. Financial Information

Item 1. Financial Statements

 

PROVIDENT BANCORP, INC.

CONSOLIDATED BALANCE SHEETS

 

 

   At   At 
   September 30,   December 31, 
(In thousands)  2015   2014 
   (unaudited)     
Assets          
Cash and due from banks  $9,469   $7,533 
Interest-bearing demand deposits with other banks   16,672    1,311 
Money market mutual funds   216    714 
Cash and cash equivalents   26,357    9,558 
Investments in available-for-sale securities (at fair value)   67,042    76,032 
Investments in held-to-maturity securities (fair values of $46,778 as of September 30, 2015 and $47,435 as of December 31, 2014)   45,194    45,559 
Federal Home Loan Bank stock, at cost   3,642    3,642 
Loans, net   521,785    494,183 
Bank owned life insurance   15,879    12,144 
Premises and equipment, net   10,203    10,503 
Accrued interest receivable   2,001    2,056 
Deferred tax asset, net   4,053    3,632 
Other assets   2,956    1,297 
Total assets  $699,112   $658,606 
           
Liabilities and Equity          
Deposits:          
Noninterest-bearing  $153,324   $128,407 
Interest-bearing   404,775    408,527 
Total deposits   558,099    536,934 
Federal Home Loan Bank advances   17,412    39,237 
Other liabilities   6,587    6,644 
Total liabilities   582,098    582,815 
Shareholders' Equity:          
Preferred stock; authorized 50,000 shares: senior non-cumulative perpetual, Series A, no par, 17,145 shares issued and outstanding at September 30, 2015 and December 31, 2014; liquidation value $1,000 per share   17,145    17,145 
Common stock, no par value: 30,000,000 and 275,000 shares authorized as of September 30, 2015 and December 31, 2014, respectively; 9,498,722 and 275,000 shares issued and outstanding as of September 30, 2015 and December 31, 2014, respectively   -    - 
Additional paid-in capital   43,128    275 
Retained earnings   58,477    55,959 
Accumulated other comprehensive income   1,716    2,412 
Unearned compensation - ESOP 357,152 and 0 shares at September 30, 2015 and December 31, 2014, respectively   (3,452)   - 
Total shareholders' equity   117,014    75,791 
Total liabilities and shareholders' equity  $699,112   $658,606 

 

 2 

 

PROVIDENT BANCORP, INC.

CONSOLIDATED STATEMENTS OF INCOME

 

(Unaudited)

 

   Three Months Ended   Nine Months Ended 
   September 30,   September 30, 
(In thousands)  2015   2014   2015   2014 
       (unaudited)     
Interest and dividend income:                    
Interest and fees on loans  $5,634   $5,051   $16,294   $14,625 
Interest and dividends on securities   798    827    2,453    2,571 
Interest on interest-bearing deposits   16    1    27    4 
Total interest and dividend income   6,448    5,879    18,774    17,200 
Interest expense:                    
Interest on deposits   410    437    1,227    1,307 
Interest on Federal Home Loan Bank advances   157    141    437    427 
Total interest expense   567    578    1,664    1,734 
Net interest and dividend income   5,881    5,301    17,110   15,466 
Provision for loan losses   174    187    645    921 
Net interest and dividend income after provision for loan losses   5,707    5,114    16,465    14,545 
Noninterest income:                    
Service charges on deposit accounts   105    40    188    121 
Service charges and fees - other   468    460    1,289    1,331 
Gain on sales, calls and donated securities, net   215    -    317    424 
Other income   372    418    1,049    1,082 
Total noninterest income   1,160    918    2,843    2,958 
Noninterest expense:                    
Salaries and employee benefits   3,016    2,663    8,681    7,678 
Occupancy expense   383    336    1,170    1,001 
Equipment expense   132    122    400    458 
FDIC assessment   93    86    283    256 
Data processing   142    146    415    394 
Marketing expense   18    8    144    130 
Professional fees   217    151    662    469 
Charitable Foundation expense   2,150    -    2,150    - 
Other   719    713    2,310    2,511 
Total noninterest expense   6,870    4,225    16,215    12,897 
(Loss) income before income tax (benefit) expense   (3)   1,807    3,093    4,606 
Income tax (benefit) expense   (133)   556    721    1,058 
Net income  $130   $1,251   $2,372   $3,548 
                     
Income (loss) per share:                    
Basic   N/A    N/A    N/A    N/A 
Diluted   N/A    N/A    N/A    N/A 
                     
Weighted Average Shares:                    
Basic   N/A    N/A    N/A    N/A 
Diluted   N/A    N/A    N/A    N/A 

 

 3 

 

PROVIDENT BANCORP, INC.

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

 

(Unaudited)

 

   Three Months Ended   Nine Months Ended 
   September 30,   September 30, 
(In thousands)  2015   2014   2015   2014 
                 
Net income  $130   $1,251   $2,372   $3,548 
Other comprehensive income before tax:                    
Unrealized (losses) gains on securities:                    
Change in net unrealized holding (losses) gains arising during the period   (265)   81    (800)   2,333 
Less: Reclassification adjustment for realized gains in net income   (215)   -    (317)   (424)
Other comprehensive (loss) income before tax   (480)   81    (1,117)   1,909 
Income tax benefit (expense)   169    (6)   421    (721)
Other comprehensive (loss) income, net of tax   (311)   75    (696)   1,188 
Total comprehensive (loss) income  $(181)  $1,326   $1,676   $4,736 

 

 4 

 

 

PROVIDENT BANCORP, INC.

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY

 

(Unaudited)

 

                   Accumulated         
   Shares of       Additional       Other   Unearned     
   Common   Preferred   Paid-in   Retained   Comprehensive   Compensation     
(In  thousands)  Stock   Stock   Capital   Earnings   Income   ESOP   Total 
                             
Balance, December 31, 2013   275,000   $17,145   $275   $51,569   $838   $-   $69,827 
Net income   -    -    -    3,548    -    -    3,548 
Net change in other comprehensive income   -    -    -    -    1,188    -    1,188 
Preferred stock dividends   -    -    -    (129)   -    -    (129)
Balance, September 30, 2014   275,000   $17,145   $275   $54,988   $2,026   $-   $74,434 
                                    
Balance, December 31, 2014   275,000   $17,145   $275   $55,959   $2,412   $-   $75,791 
Net income   -    -    -    2,372    -    -    2,372 
Net change in other comprehensive income   -    -    -    -    (696)   -    (696)
Preferred stock dividends   -    -    -    (129)   -    -    (129)
Issuance of 5,034,323 shares to the mutual holding company   5,034,323    -    -    -    -    -    - 
Transfer due to stock offering   (275,000)   -    (275)   275    -    -    - 
Issuance of 4,274,425 shares in the initial public offering, net of expenses of $1,547   4,274,425    -    41,197    -    -    -    41,197 
Issuance and contribution of 189,974 shares to the Provident Community Charitable Organization   189,974    -    1,900    -    -    -    1,900 
Purchase of 357,152 shares of common stock by the ESOP   -    -    -    -    -    (3,572)   (3,572)
ESOP shares earned (11,907 shares)   -    -    31    -    -    120    151 
Balance, September 30, 2015   9,498,722   $17,145   $43,128   $58,477   $1,716   $(3,452)  $117,014 

 

 5 

 

PROVIDENT BANCORP, INC.

CONSOLIDATED STATEMENTS OF CASH FLOWS

 

(Unaudited)

 

   Nine Months Ended 
   September 30, 
(In thousands)  2015   2014 
Cash flows from operating activities:          
Net income  $2,372   $3,548 
Adjustments to reconcile net income to net cash provided by operating activities:          
Amortization of securities premiums, net of accretion   660    682 
ESOP expense   151    - 
Contribution of stock to charitable foundation   1,900    - 
Gain on sales, calls and donations of securities, net   (317)   (424)
Change in deferred loan fees, net   (93)   (80)
Provision for loan losses   645    921 
Depreciation and amortization   549    578 
Increase in accrued interest receivable   55    42 
(Increase) decrease in taxes receivable   (879)   211 
Increase in cash surrender value of life insurance   (288)   (278)
Increase in other assets   (779)   (638)
(Decrease) increase in other liabilities   (57)   596 
Net cash provided by operating activities   3,919    5,158 
           
Cash flows from investing activities:          
Purchases of available-for-sale securities   (1,415)   (1,156)
Proceeds from sales of available-for-sale securities   739    1,693 
Proceeds from pay downs, maturities and calls of available-for-sale securities   8,570    10,799 
Purchases of held-to-maturity securities   -    (1,434)
Proceeds from pay downs, maturities and calls of held-to-maturity securities   -    1,456 
Redemption of Federal Home Loan Bank Stock   -    1,676 
Loan originations and principal collections, net   (28,174)   (30,334)
Recoveries of loans previously charged off   20    50 
Loans purchased   -    (7,706)
Additions to premises and equipment   (249)   (497)
Purchase of bank owned life insurance   (3,447)   - 
Net cash used in investing activities   (23,956)   (25,453)

 

 6 

 

PROVIDENT BANCORP, INC.

CONSOLIDATED STATEMENTS OF CASH FLOWS (continued)

 

(Unaudited)

 

   Nine Months Ended 
   September 30, 
(In thousands)  2015   2014 
Cash flows from financing activities:          
Net increase in demand deposits, NOW and savings accounts   28,927    21,378 
Net (decrease) increase in time deposits   (7,762)   3,365 
Proceeds from sale of common stock, net   41,197    - 
Common stock purchased by ESOP   (3,572)   - 
Payments made on Federal Home Loan Bank long-term advances   -    (3,351)
Net change in Federal Home Loan Bank short-term advances   (21,825)   (5,000)
Preferred stock dividends   (129)   (129)
Net cash provided by financing activities   36,836    16,263 
           
Net increase (decrease) in cash and cash equivalents   16,799    (4,032)
Cash and cash equivalents at beginning of year   9,558    15,356 
Cash and cash equivalents at end of year  $26,357   $11,324 
           
Supplemental disclosures:          
Interest paid  $1,658   $1,692 
Income taxes paid   1,600    902 

 

 7 

 

PROVIDENT BANCORP, INC.

Notes to Consolidated Financial Statements

 

(Unaudited)

 

(1)Basis of Presentation

The accompanying unaudited financial statements of Provident Bancorp, Inc., a Massachusetts corporation (the “Company”), were prepared in accordance with the instructions for Form 10-Q and with Regulation S-X and do not include information or footnotes necessary for a complete presentation of financial condition, results of operations, and cash flows in conformity with generally accepted accounting principles. However, in the opinion of management, all adjustments (consisting of normal recurring adjustments) necessary for a fair presentation of the financial statements have been included. The results of operations for the three and nine months period ended September 30, 2015 are not necessarily indicative of the results that may be expected for future periods, including the entire fiscal year. These financial statements should be read in conjunction with the annual financial statements and notes thereto that are included in the Company’s Prospectus dated May 14, 2015, as filed with the Securities and Exchange Commission. The consolidated financial statements include the accounts of Provident Bancorp, Inc., its wholly owned subsidiary, The Provident Bank (the “Bank”), and the Bank’s wholly owned subsidiaries, Provident Security Corporation and 5 Market Street Security Corporation. Provident Security Corporation was established to buy, sell, and hold investments for its own account, and 5 Market Street Security Corporation, an inactive corporation, was established to buy, sell, and hold investments for its own account. All significant inter-company balances and transactions have been eliminated in consolidation. These consolidated financial statements consider events that occurred through the date the consolidated financial statements were issued.

 

(2)Corporate Structure

On March 10, 2015, the Board of Directors of the Company adopted a plan of stock issuance (the “Plan”) pursuant to which the Company sold shares of common stock, representing a minority ownership of the estimated pro forma market value of the Company. On July 15, 2015, the Company closed its offering and issued 4,274,425 shares of common stock to the public at $10.00 per share, including 357,152 shares purchased by The Provident Bank Employee Stock Ownership Plan. In addition, the Company issued 5,034,323 shares to Provident Bancorp Inc., the Company’s mutual holding company, and 189,974 shares to The Provident Community Charitable Organization, Inc., a charitable foundation that was formed in connection with the stock offering and is dedicated to supporting charitable organizations operating in the Bank’s local community. A total of 9,498,722 shares of common stock are outstanding following the completion of the stock offering.

 

Expenses incurred related to the offering were $1.5 million, and have been recorded against offering proceeds.

 

Upon the completion of the stock offering, a special “liquidation account” was established for the benefit of certain depositors of the Bank in an amount equal to the percentage ownership interest in the equity of the Company to be held by persons other than the MHC as of the date of the latest balance sheet contained in the prospectus. Following the completion of the offering, the Company will not be permitted to pay dividends on its capital stock if the Company’s shareholders’ equity would be reduced below the amount of the liquidation account. The liquidation account will be reduced annually to the extent that eligible account holders have reduced their qualifying deposits. Subsequent increases will not restore an eligible account holder’s interest in the liquidation account.

 

 8 

 

(3)Recent Accounting Pronouncements

ASU No. 2014-01 — Investments — Equity Method and Joint Ventures (Topic 323) — "Accounting for Investments in Qualified Affordable Housing Projects (a consensus of the Financial Accounting Standards Board (FASB) Emerging Issues Task Force)”. The ASU permits an entity to make an accounting policy election to account for its investment in qualified affordable housing projects using the proportional amortization method if certain conditions are met. Under the proportionate amortization method, an entity amortizes the initial cost of the investment in proportion to the tax credits and other tax benefits received and recognize the net investment performance in the income statement as a component of income tax expense (benefit). The decision to apply the proportionate amortization method of accounting should be applied consistently to all qualifying affordable housing project investments. A reporting entity that uses the effective yield or other method to account for its investments in qualified affordable housing projects before the date of adoption may continue to apply such method to those preexisting investments. The amendments were effective for the Company on January 1, 2015. The application of this guidance did not have a material impact on the Company's financial statements.

 

ASU No. 2014-04, Receivables — Troubled Debt Restructurings by Creditors (Subtopic 310-40) — "Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure (a consensus of the FASB Emerging Issues Task Force)”. The ASU clarifies that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (i) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (ii) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar agreement. In addition, the amendments require disclosure of both the amount of foreclosed residential real estate property held by the creditor and the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure in accordance with local requirements of the applicable jurisdiction. An entity can elect to adopt the amendments using either a modified retrospective method or a prospective transition method. The amendments were effective for the Company on January 1, 2015. The application of this guidance did not have a material impact on the Company's financial statements.

 

ASU No. 2014-14, Receivables — Troubled Debt Restructurings by Creditors (Subtopic 310-40) — "Classification of Certain Government-Guaranteed Residential Mortgage Loans upon Foreclosure (a consensus of the FASB Emerging Issues Task Force)”. The ASU has been issued to reduce diversity in practice in the classification of foreclosed residential mortgage loans held by creditors that are fully guaranteed under certain government programs, including the Federal Housing Administration guarantees. A residential mortgage loan would be derecognized and a separate other receivable would be recognized upon foreclosure if the loan has both of the following characteristics: (i) the loan has a government guarantee that is not separable from the loan before foreclosure entitling the creditor to the full unpaid principal balance of the loan; and (ii) at the time of foreclosure, the creditor has the intent to make a claim on the guarantee and the ability to recover the full unpaid principal balance of the loan through the guarantee. Notably, upon foreclosure, the separate other receivable would be measured based on the current amount of the loan balance expected to be recovered under the guarantee. The amendments are effective for the Company beginning on January 1, 2016. The Company does not expect the application of this guidance to have a material impact on the Company's financial statements.

 

ASU No. 2015-02, “Consolidation (Topic 810): Amendments to the Consolidation Analysis.” The amendments in this ASU affect reporting entities that are required to evaluate whether they should consolidate certain legal entities. Specifically, the amendments: (1) Modify the evaluation of whether limited partnerships and similar legal entities are variable interest entities (“VIEs”) or voting interest entities; (2) Eliminate the presumption that a general partner should consolidate a limited partnership; (3) Affect the consolidation analysis of reporting entities that are involved with VIEs, particularly those that have fee arrangements and related party relationships; and (4) Provide a scope exception from consolidation guidance for reporting entities with interests in legal entities that are required to comply with or operate in accordance with requirements that are similar to those in Rule 2a-7 of the Investment Company Act of 1940 for registered money market funds. ASU 2015-02 is effective for interim and annual reporting periods beginning after December 15, 2015. The Company anticipates that the adoption of this ASU will not have a material impact on its consolidated financial statements.

 

 9 

 

ASU No. 2015-03, “Interest — Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs”. The amendments in this ASU require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this ASU. The standard is effective for interim and annual reporting periods beginning after December 15, 2015, with early adoption permitted. The guidance should be applied on a retrospective basis. The Company anticipates that the adoption of this ASU will not have a material impact on its consolidated financial statements.

 

ASU No. 2015-05, “Intangibles — Goodwill and Other — Internal-Use Software (Subtopic 350-40): Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement”. This ASU provides guidance to customers about whether a cloud computing arrangement includes a software license. If a cloud computing arrangement includes a software license, the customer should account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, the customer should account for the arrangement as a service contract. The new guidance does not change the accounting for a customer’s accounting for service contracts. ASU 2015-05 is effective for interim and annual reporting periods beginning after December 15, 2015. The Company anticipates that the adoption of this ASU will not have a material impact on its consolidated financial statements.

 

ASU No. 2015-16, Business Combinations (Topic 805) — “Simplifying the Accounting for Measurement-Period Adjustments”. This ASU requires that an acquirer recognize adjustments to provisional amounts that are identified during the measurement period in the reporting period in which the adjustment amounts are determined, including the cumulative effect of the change in provisional amount as if the accounting had been completed at the acquisition date. The adjustments related to previous reporting periods since the acquisition date must be disclosed by income statement line item either on the face of the income statement or in the notes. For public business entities, the amendments are effective for fiscal years beginning after December 15, 2015, including interim periods within those fiscal years. For all other entities, the amendments in this update are effective for fiscal years beginning after December 15, 2016, and interim periods within fiscal years beginning after December 15, 2017. The amendments should be applied prospectively to adjustments to provisional amounts that occur after the effective date with earlier application permitted for financial statements that have not been issued. The Company does not expect the application of this guidance to have a material impact on the Company's financial statements.

 

 10 

 

(4)Investment Securities

The following summarizes the amortized cost of investment securities classified as available-for-sale and their approximate fair values at September 30, 2015 and December 31, 2014:

 

   Amortized   Gross   Gross     
   Cost   Unrealized   Unrealized   Fair 
(In thousands)  Basis   Gains   Losses   Value 
     
September 30, 2015                    
U.S. Government and federal agency  $1,995   $57   $-   $2,052 
State and municipal   3,374    314    -    3,688 
Corporate debt   1,000    87    -    1,087 
Asset-backed securities   2,366    -    32    2,334 
Government mortgage-backed securities   45,800    888    159    46,529 
Trust preferred securities   1,368    58    176    1,250 
Marketable equity securities   8,558    2,112    352    10,318 
    64,461    3,516    719    67,258 
Money market mutual funds included in cash and cash equivalents   (216)   -    -    (216)
Total available-for-sale securities  $64,245   $3,516   $719   $67,042 
                     
December 31, 2014                    
U.S. Government and federal agency  $1,992   $92   $-   $2,084 
State and municipal   3,479    422    -    3,901 
Corporate debt   1,000    114    -    1,114 
Asset-backed securities   2,732    -    87    2,645 
Government mortgage-backed securities   54,063    989    199    54,853 
Trust preferred securities   1,502    -    380    1,122 
Marketable equity securities   8,063    3,048    84    11,027 
    72,831    4,665    750    76,746 
Money market mutual funds included in cash and cash equivalents   (714)   -    -    (714)
Total available-for-sale securities  $72,117   $4,665   $750   $76,032 

 

 11 

 

The following summarizes the amortized cost of investment securities classified as held-to-maturity and their approximate fair values at September 30, 2015 and December 31, 2014:

 

   Amortized   Gross   Gross     
   Cost   Unrealized   Unrealized   Fair 
(In thousands)  Basis   Gains   Losses   Value 
                 
September 30, 2015                
State and municipal  $45,194   $1,650   $66   $46,778 
                     
December 31, 2014                    
State and municipal  $45,559   $1,940   $64   $47,435 

 

The scheduled maturities of debt securities were as follows at September 30, 2015:

 

   Available-for-
Sale		   Held-to-Maturity 
   Fair   Amortized   Fair 
(In thousands)  Value   Cost Basis   Value 
             
Due within one year  $2,185   $90   $90 
Due after one year through five years   1,364    2,650    2,728 
Due after five years through ten years   619    5,701    5,852 
Due after ten years   3,909    36,753    38,108 
Government mortgage-backed securities   46,529    -    - 
Asset-backed securities   2,334    -    - 
   $56,940   $45,194   $46,778 

 

 12 

 

The aggregate fair value and unrealized losses of securities that have been in a continuous unrealized-loss position for less than twelve months and for twelve months or more, and are temporarily impaired, are as follows at September 30, 2015 and December 31, 2014:

 

   Less than 12 Months   12 Months or Longer   Total 
   Fair   Unrealized   Fair   Unrealized   Fair   Unrealized 
(In thousands)  Value   Losses   Value   Losses   Value   Losses 
                         
September 30, 2015                              
Temporarily impaired securities:                              
State and municipal  $4,670   $33   $1,457   $33   $6,127   $66 
Asset-backed securities   -    -    2,010    32    2,010    32 
Government mortgage-backed securities   1,343    3    9,629    156    10,972    159 
Trust preferred securities   -    -    1,149    176    1,149    176 
Marketable equity securities   1,842    200    452    152    2,294    352 
Total temporarily impaired securities  $7,855   $236   $14,697   $549   $22,552   $785 
                               
December 31, 2014                              
Temporarily impaired securities:                              
State and municipal  $-   $-   $5,847   $64   $5,847   $64 
Asset-backed securities   -    -    2,645    87    2,645    87 
Government mortgage-backed securities   2,472    4    12,518    195    14,990    199 
Trust preferred securities   26    36    1,096    344    1,122    380 
Marketable equity securities   683    80    115    4    798    84 
Total temporarily impaired securities  $3,181   $120   $22,221   $694   $25,402   $814 

 

Government mortgage-backed securities, state and municipal securities and asset-backed securities: Because the decline in fair value of the government mortgage-backed securities, asset backed securities and state and municipal securities is primarily attributable to changes in interest rates and not credit quality, and because the Company has the intent and ability to hold these investments until market price recovery or maturity, these investments are not considered other-than-temporarily impaired.

 

Marketable equity securities: Management continuously monitors equity securities for impairment by reviewing the financial condition of the issuer, company-specific events, industry developments, and general economic conditions. Management reviews corporate financial reports, credit agency reports and other publicly available information. Based on these reviews, these securities are not considered to be other-than-temporarily impaired.

 

Trust preferred securities: Management monitors its pooled-trust preferred securities for possible other-than-temporary-impairment on a quarterly basis. This review included an analysis of collateral reports, cash flows, stress default levels and financial ratios of the underlying issuers. Management utilizes a third party to compile this data and perform other-than-temporary-impairment cash flow testing. Critical assumptions that go into the other-than-temporary-impairment cash flow testing are prepayment speeds, default rates of the underlying issuers and discount margins. The result of the third-party other-than-temporary-impairment cash flow testing indicated no other-than-temporary-impairment as of September 30, 2015.

 

 13 

 

(5) Loans

A summary of loans is as follows:

 

   At   At 
   September 30,   December 31, 
   2015   2014 
(In thousands)  Amount   Percent   Amount   Percent 
Commercial real estate  $268,522    50.69%  $249,691    49.76%
Commercial   107,298    20.25%   97,589    19.45%
Residential real estate   95,707    18.06%   104,568    20.84%
Construction and land development   56,216    10.61%   47,079    9.38%
Consumer   2,076    0.39%   2,863    0.57%
    529,819    100.00%   501,790    100.00%
Allowance for loan losses   (7,744)        (7,224)     
Deferred loan fees, net   (290)        (383)     
Net loans  $521,785        $494,183      

 

 14 

 

The following tables set forth information regarding the activity in the allowance for loan losses by portfolio segment for the three and nine months ended September 30, 2015 and 2014:

 

   For the three months ended September 30, 
       Construction                     
   Commercial   and Land   Residential                 
(In thousands)  Real Estate   Development   Real Estate   Commercial   Consumer   Unallocated   Total 
Allowance for loan losses:                                   
                                    
Balance at June 30, 2015  $3,510   $921   $541   $2,108   $159   $330   $7,569 
Charge-offs   -    -    -    8    (16)   -    (8)
Recoveries   -    -    -    8    1    -    9 
Provision (benefit)   83    175    (106)   18    (4)   8    174 
Balance at September 30, 2015  $3,593   $1,096   $435   $2,142   $140   $338   $7,744 
                                    
Balance at June 30, 2014  $3,408   $483   $712   $1,555   $157   $252   $6,567 
Charge-offs   -    -    (30)   -    (16)   -    (46)
Recoveries   -    -    -    1    3    -    4 
Provision (benefit)   237    90    (18)   (15)   25    (132)   187 
Balance at September 30, 2014  $3,645   $573   $664   $1,541   $169   $120   $6,712 

 

   For the nine months ended September 30, 
       Construction                     
   Commercial   and Land   Residential                 
(In thousands)  Real Estate   Development   Real Estate   Commercial   Consumer   Unallocated   Total 
Allowance for loan losses:                                   
                                    
Balance at December 31, 2014  $3,500   $872   $560   $1,751   $184   $357   $7,224 
Charge-offs   -    -    -    (96)   (49)   -    (145)
Recoveries   -    -    6    9    5    -    20 
Provision (benefit)   93    224    (131)   478         (19)   645 
Balance at September 30, 2015  $3,593   $1,096   $435   $2,142   $140   $338   $7,744 
                                    
Balance at December 31, 2013  $3,207   $363   $725   $1,331   $206   $245   $6,077 
Charge-offs   (243)   -    (30)   -    (63)   -    (336)
Recoveries   20    2    24    -    4    -    50 
Provision (benefit)   661    208    (55)   210   22    (125)   921 
Balance at September 30, 2014  $3,645   $573   $664   $1,541   $169   $120   $6,712 

 

 15 

 

The following table sets forth information regarding the allowance for loan losses and related loan balances by segment at September 30, 2015 and December 31, 2014:

 

       Construction                     
   Commercial   and Land   Residential                 
(In thousands)  Real Estate   Development   Real Estate   Commercial   Consumer   Unallocated   Total 
September 30, 2015                                   
Ending balance:                                   
Individually evaluated for impairment  $-   $-   $-   $494   $-   $-   $494 
Ending balance:                                   
Collectively evaluated for impairment   3,593    1,096    435    1,648    140    338    7,250 
Total allowance for loan losses ending balance  $3,593   $1,096   $435   $2,142   $140   $338   $7,744 
                                    
Loans:                                   
Ending balance:                                   
Individually evaluated for impairment  $3,531   $-   $440   $1,772   $-   $-   $5,743 
Ending balance:                                   
Collectively evaluated for impairment   264,991   56,216    95,267    105,526    2,076    -    524,076 
Total loans ending balance  $268,522   $56,216   $95,707   $107,298   $2,076   $-   $529,819 
                                    
December 31, 2014                                   
Ending balance:                                   
Individually evaluated for impairment  $-   $-   $-   $62   $-   $-   $62 
Ending balance:                                   
Collectively evaluated for impairment   3,500    872    560    1,689    184    357    7,162 
Total allowance for loan losses ending balance  $3,500   $872   $560   $1,751   $184   $357   $7,224 
                                    
Loans:                                   
Ending balance:                                   
Individually evaluated for impairment  $4,276   $-   $221   $821   $-   $-   $5,318 
Ending balance:                                   
Collectively evaluated for impairment   245,415    47,079    104,347    96,768    2,863    -    496,472 
Total loans ending balance  $249,691   $47,079   $104,568   $97,589   $2,863   $-   $501,790 

 

 16 

 

The following tables set forth information regarding non-accrual loans and loan delinquencies by portfolio segment at September 30, 2015 and December 31, 2014:

 

                           90 Days     
           90 Days   Total           or More     
   30 - 59   60 - 89   or More   Past   Total   Total   Past Due   Non-accrual 
(In thousands)  Days   Days   Past Due   Due   Current   Loans   and Accruing   Loans 
                                 
September 30, 2015                                        
Residential real estate  $-   $243   $-   $243   $95,464   $95,707   $-   $1,301 
Commercial real estate   -    -    102    102    268,420    268,522    -    598 
Construction and land development   -    -    -    -    56,216    56,216    -    - 
Commercial   186    -    176    362    106,936    107,298    -    1,199 
Consumer   -    13    -    13    2,063    2,076    -    - 
Total  $186   $256   $278   $720   $529,099   $529,819   $-   $3,098 
                                         
December 31, 2014                                        
Residential real estate  $-   $404   $423   $827   $103,741   $104,568   $-   $1,564 
Commercial real estate   110    132    363    605    249,086    249,691    -    3,002 
Construction and land development   -    -    -    -    47,079    47,079    -    - 
Commercial   149    108    350    607    96,982    97,589    -    516 
Consumer   9    -    -    9    2,854    2,863    -    - 
Total  $268   $644   $1,136   $2,048   $499,742   $501,790   $-   $5,082 

 

 17 

 

Information about the Company’s impaired loans by portfolio segment was as follows at September 30, 2015 and December 31, 2014:

 

       Unpaid       Average   Interest 
   Recorded   Principal   Related   Recorded   Income 
(In thousands)  Investment   Balance   Allowance   Investment   Recognized 
                     
September 30, 2015                         
With no related allowance recorded:                         
Residential real estate  $440   $440   $-   $295   $18 
Commercial real estate   3,531    3,531    -    3,916    87 
Construction and land development   -    -    -    -    - 
Commercial   711    711    -    599    17 
Consumer   -    -    -    -    - 
Total impaired with no related allowance   4,682    4,682    -    4,810    122 
                          
With an allowance recorded:                         
Residential real estate   -    -    -    -    - 
Commercial real estate   -    -    -    -    - 
Construction and land development   -    -    -    -    - 
Commercial   1,061    1,098    494    853    - 
Consumer   -    -    -    -    - 
Total impaired with an allowance recorded   1,061    1,098    494    853    - 
                          
Total                         
Residential real estate   440    440    -    295    18 
Commercial real estate   3,531    3,531    -    3,916    87 
Construction and land development   -    -    -    -    - 
Commercial   1,772    1,809    494    1,452    17 
Consumer   -    -    -    -    - 
Total impaired loans  $5,743   $5,780   $494   $5,663   $122 
                          
                          
December 31, 2014                         
With no related allowance recorded:                         
Residential real estate  $221   $221   $-   $368   $24 
Commercial real estate   4,276    4,276    -    3,070    161 
Construction and land development   -    -    -    -    - 
Commercial   506    506    -    370    20 
Consumer   -    -    -    -    - 
Total impaired with no related allowance   5,003    5,003    -    3,808    205 
                          
With an allowance recorded:                         
Residential real estate   -   -   -   -   - 
Commercial real estate   -    -    -    279    - 
Construction and land development   -    -    -    -    - 
Commercial   315    318    62    328    12 
Consumer   -    -    -    -    - 
Total impaired with an allowance recorded   315    318    62    607    12 
                          
Total                         
Residential real estate   221    221    -    368    24 
Commercial real estate   4,276    4,276    -    3,349    161 
Construction and land development   -    -    -    -    - 
Commercial   821    824    62    698    32 
Consumer   -    -    -    -    - 
Total impaired loans  $5,318   $5,321   $62   $4,415   $217 

 

 18 

 

The following summarizes troubled debt restructurings entered into during the nine months ended September 30, 2015:

 

(Dollars in thousands)  Number
of
Contracts		   Pre-
Modification
Outstanding
Recorded
Investment		   Post-
Modification
Outstanding
Recorded
Investment		 
             
September 30, 2015               
Troubled debt restructurings:               
Commercial   4   $1,479   $1,479 
Residential real estate   2    226    226 
Commercial real estate   2    464    464 
    8   $2,169   $2,169 

 

We approved seven troubled debt restructures with no specific reserves required based on our analysis of the borrowers’ repayment ability and/or collateral coverage. Of these, two commercial loans to the same borrower were placed on a 13-month interest only period with re-amortization to follow based on the remaining term. One commercial loan and one owner-occupied commercial real estate mortgage to the same borrower were re-amortized over an extended term and maturity to ease up the borrowers’ cash flow.  One investment commercial real estate loan was placed on interest only payments to allow the borrower time to market the property, with principal and interest payments to follow.  Finally, two residential real estate mortgages were modified to interest only payments and later were re-amortized over an extended term and maturity.

 

We approved one troubled debt restructure that required a specific reserve consisting of a commercial loan that was modified to defer principal payments. We have classified this loan as doubtful and maintain a 50% reserve on the balance of the loan.

 

The following tables present the Company’s loans by risk rating and portfolio segment at September 30, 2015 and December 31, 2014:

 

           Construction             
   Residential   Commercial   and Land             
(In thousands)  Real Estate   Real Estate   Development   Commercial   Consumer   Total 
                         
September 30, 2015                              
Grade:                              
Pass  $-   $257,164   $51,096   $100,485   $-   $408,745 
Special mention   -    6,063    5,120    2,732    -    13,915 
Substandard   1,596    5,295    -    3,159    -    10,050 
Doubtful   -    -    -    922    -    922 
Not formally rated   94,111    -    -    -    2,076    96,187 
Total  $95,707   $268,522   $56,216   $107,298   $2,076   $529,819 
                               
December 31, 2014                              
Grade:                              
Pass  $-   $236,689   $37,867   $89,269   $-   $363,825 
Special mention   -    5,336    9,212    6,498    -    21,046 
Substandard   1,374    7,666    -    1,822    -    10,862 
Not formally rated   103,194    -    -    -    2,863    106,057 
Total  $104,568   $249,691   $47,079   $97,589   $2,863   $501,790 

 

 19 

 

Credit Quality Information

The Company utilizes a seven grade internal loan risk rating system for commercial real estate, construction and land development, and commercial loans as follows:

 

Loans rated 1-3: Loans in these categories are considered “pass” rated loans with low to average risk.

 

Loans rated 4: Loans in this category are considered “special mention.” These loans are starting to show signs of potential weakness and are being closely monitored by management.

 

Loans rated 5: Loans in this category are considered “substandard.” Generally, a loan is considered substandard if it is inadequately protected by the current net worth and paying capacity of the obligors and/or the collateral pledged. There is a distinct possibility that the Company will sustain some loss if the weakness is not corrected.

 

Loans rated 6: Loans in this category are considered “doubtful.” Loans classified as doubtful have all the weaknesses inherent in those classified substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, highly questionable and improbable.

 

Loans rated 7: Loans in this category are considered uncollectible loss and of such little value that their continuance as loans is not warranted.

 

On an annual basis, or more often if needed, the Company formally reviews the ratings on all commercial real estate, construction and land development, and commercial loans.

 

For residential real estate and consumer loans, the Company initially assesses credit quality based upon the borrower’s ability to pay and rates such loans as pass. Subsequent risk rating downgrades are based upon the borrower’s payment activity.

 

(6) Federal Home Loan Bank Advances

Borrowings from the FHLB are secured by a blanket lien on qualified collateral, consisting primarily of loans with first mortgages secured by one to four family properties, certain commercial loans and other qualified assets.

 

In August of 2015 the Bank modified $3.5 million of its FHLB borrowings and extended the maturity. The Bank incurred a prepayment penalty of $233,000. In accordance with ASC 470-50-40, the prepayment penalty is amortized over the life of the newly modified borrowing.

 

Maturities of advances from the FHLB ending after September 30, 2015 are summarized as follows:

 

(In thousands)    
2016  $9,112 
2017   5,000 
2020   3,300 
Total  $17,412 

 

 20 

 

(7)Fair Value Measurements

The Company reports certain assets at fair value in accordance with GAAP, which defines fair value and establishes a framework for measuring fair value in accordance with generally accepted accounting principles. Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. The guidance establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes six levels of inputs that may be used to measure fair values:

 

Basis of Fair Value Measurements

·Level 1 - Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities;
·Level 2 - Quoted prices in markets that are not active, or inputs that are observable either directly or indirectly, for substantially the full term of the asset or liability;
·Level 3 - Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported by little or no market activity).

 

A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.

 

Fair Values of Financial Instruments Measured on a Recurring Basis

The Company’s investments in U.S. Government and federal agency, state and municipal, corporate debt, asset-backed and government mortgage-backed securities available-for-sale is generally classified within Level 2 of the fair value hierarchy. For these investments, we obtain fair value measurements from independent pricing services. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, trading levels, market consensus prepayment speeds, credit information and the instrument’s terms and conditions.

 

The Company classifies its investments in trust preferred securities as Level 3 securities. Level 3 is for positions that are not traded in active markets or are subject to transfer restrictions, valuations are adjusted to reflect illiquidity and/or non-transferability, and such adjustments are generally based on available market evidence. In the absence of such evidence, management’s best estimate is used. Subsequent to inception, management only changes Level 3 inputs and assumptions when corroborated by evidence such as transactions in similar instruments, completed or pending third-party transactions in the underlying investment or comparable entities, subsequent rounds of financing, recapitalization and other transactions across the capital structure, offerings in the equity or debt markets, and changes in financial ratios or cash flows.

 

The Company classified its investments in marketable equity securities as Level 1 securities. Such securities are classified as Level 1 securities because fair values are obtained through quoted market prices for identical securities in active exchange markets.

 

 21 

 

The following summarizes financial instruments measured at fair value on a recurring basis at September 30, 2015 and December 31, 2014:

 

   Fair Value Measurements at Reporting Date Using 
       Quoted Prices in   Significant   Significant 
       Active Markets for   Other Observable   Unobservable 
       Identical Assets   Inputs   Inputs 
(In thousands)  Total   Level 1   Level 2   Level 3 
                 
September 30, 2015                    
U.S. Government and federal agency  $2,052   $-   $2,052   $- 
State and municipal   3,688    -    3,688    - 
Corporate debt   1,087    -    1,087    - 
Asset-backed securities   2,334    -    2,334    - 
Mortgage-backed securities   46,529    -    46,529    - 
Trust preferred securities   1,250    -    -    1,250 
Marketable equity securities   10,102    10,102    -    - 
Totals  $67,042   $10,102   $55,690   $1,250 
                     
December 31, 2014                    
U.S. Government and federal agency  $2,084   $-   $2,084   $- 
State and municipal   3,901    -    3,901    - 
Corporate debt   1,114    -    1,114    - 
Asset-backed securities   2,645    -    2,645    - 
Mortgage-backed securities   54,853    -    54,853    - 
Trust preferred securities   1,122    -    -    1,122 
Marketable equity securities   10,313    10,313    -    - 
Totals  $76,032   $10,313   $64,597   $1,122 

 

The following is a summary of activity for Level 3 financial instruments measured at fair value on a recurring basis for the nine months periods ended September 30, 2015 and 2014.

 

(In thousands)  Available-for-
Sale Securities		 
     
Balance beginning January 1, 2015  $1,122 
Total gains or (losses) (realized/unrealized)     
Included in earnings   - 
Included in other comprehensive income   262 
Paydowns   (134)
Ending balance, September 30, 2015  $1,250 
      
Balance beginning January 1, 2014  $1,392 
Total gains or (losses) (realized/unrealized)     
Included in earnings   - 
Included in other comprehensive income   941 
Paydowns   (1,093)
Ending balance, September 30, 2014  $1,240 

 

 22 

 

Fair Values of Financial Instruments Measured on a Nonrecurring Basis

 

The Company’s impaired loans are reported at the fair value of the underlying collateral if repayment is expected solely from the collateral. Collateral values are estimated using Level 2 inputs based upon appraisals of similar properties obtained from a third party. However, the Company generally discounts appraisals to arrive at fair value, therefore classifies such loans as Level 3 because the discounts are a significant input that is not observable.

 

The following summarizes financial instruments measured at fair value on a nonrecurring basis at September 30, 2015 and December 31, 2014:

 

   Fair Value Measurements at Reporting Date Using: 
       Quoted Prices in   Significant   Significant 
       Active Markets for   Other Observable   Unobservable 
       Identical Assets   Inputs   Inputs 
(In thousands)  Total   Level 1   Level 2   Level 3 
                 
September 30, 2015                    
Impaired loans  $567   $-   $-   $567 
                     
December 31, 2014                    
Impaired loans  $253   $-   $-   $253 

 

The following is a summary of the valuation methodology and unobservable inputs for Level 3 assets measured at fair value on a nonrecurring basis at September 30, 2015 and December 31, 2014:

 

(In thousands)  Fair Value   Valuation Technique  Unobservable Input  Range
September 30, 2015              
Impaired loans  $567   Real estate appraisals  Discount for dated appraisals  6-10%
December 31, 2014              
Impaired loans  $253   Real estate appraisals  Discount for dated appraisals  6-10%

 

 23 

 

(8)Fair Value of Financial Instruments

GAAP requires disclosure of fair value information about financial instruments, whether or not recognized in the balance sheet, for which it is practicable to estimate that value. Certain financial instruments and all nonfinancial instruments are excluded from the disclosure requirements. Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company.

 

The carrying amounts and estimated fair values of the Company's financial instruments, all of which are held or issued for purposes other than trading, are as follows at September 30, 2015 and December 31, 2014:

 

   Carrying   Fair Value 
(In thousands)  Amount   Level 1   Level 2   Level 3   Total 
                     
September 30, 2015                         
Financial assets:                         
Cash and cash equivalents  $26,357   $26,357   $-   $-   $26,357 
Available-for-sale securities   67,042    10,102    55,690    1,250    67,042 
Held-to-maturity securities   45,194    -    46,778    -    46,778 
Federal Home Loan Bank of Boston stock   3,642    3,642    -    -    3,642 
Loans, net   521,785    -    -    530,418    530,418 
Accrued interest receivable   2,001    -    2,001    -    2,001 
Financial liabilities:                         
Deposits   558,099    -    -    558,332    558,332 
Federal Home Loan Bank advances   17,412    -    17,886    -    17,886 
                          
December 31, 2014                         
Financial assets:                         
Cash and cash equivalents  $9,558   $9,558   $-   $-   $9,558 
Available-for-sale securities   76,032    10,313    64,597    1,122    76,032 
Held-to-maturity securities   45,559    -    47,435    -    47,435 
Federal Home Loan Bank of Boston stock   3,642    3,642    -    -    3,642 
Loans, net   494,183    -    -    501,049    501,049 
Accrued interest receivable   2,056    -    2,056    -    2,056 
Financial liabilities:                         
Deposits   536,934    -    -    537,281    537,281 
Federal Home Loan Bank advances   39,237    -    40,020    -    40,020 

 

(9)Regulatory Capital

The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.

 

Effective January 1, 2015 (with a phase-in period of two to four years for certain components), the Bank became subject to new capital regulations adopted by the Board of Governors of the Federal Reserve System (“FRB”) and the FDIC, which implement the Basel III regulatory capital reforms and the changes required by the Dodd-Frank Act. The new regulations require a new Common Equity Tier 1 (“CET1”) capital ratio of 4.5%, a minimum Tier 1

 

 24 

 

capital to risk-weighted assets ratio of 6.0%, a minimum total capital to risk-weighted assets ratio of 8.0% and a minimum Tier 1 leverage ratio of 4.0%. CET1 generally consists of common stock and retained earnings, subject to applicable adjustments and deductions. Under new prompt corrective action regulations, in order to be considered “well capitalized,” the Bank must maintain a CET1 capital ratio of 6.5% and a Tier 1 ratio of 8.0%, a total risk based capital ratio of 10% and a Tier 1 leverage ratio of 5.0%. In addition, the regulations establish a capital conservation buffer above the required capital ratios that phases in beginning January 1, 2016 at 0.625% of risk-weighted assets and increases each year by 0.625% until it is fully phased in at 2.5% effective January 1, 2019. Beginning January 1, 2016, failure to maintain the capital conservation buffer will limit the ability of the Bank and the Company to pay dividends repurchases shares or pay discretionary bonuses.

 

The new regulations implemented changes to what constitutes regulatory capital. Certain instruments no longer constitute qualifying capital, subject to phase-out periods. In addition, Tier 2 capital is no longer limited to the amount of Tier 1 capital included in total capital. Mortgage servicing rights, certain deferred tax assets and investments in unconsolidated subsidiaries over designated percentages of CET1 must be deducted from capital. The Bank has elected to permanently opt-out of the inclusion of accumulated other comprehensive income in capital calculations, as permitted by the regulations. This opt-out will reduce the impact of market volatility on the Bank’s regulatory capital ratios.

 

The new regulations also changed the risk weights of certain assets, including an increase in the risk weight of certain high volatility commercial real estate acquisition, development and construction loans and non-residential mortgage loans that are 90 days past due or on non-accrual status to 150% from 100%, a credit conversion factor for the unused portion of commitments with maturities of less than one year that are not cancellable to 20% from 0%, an increase in the risk weight for mortgage servicing rights and deferred tax assets that are not deducted from capital to 250% from 100%, and an increase in the risk weight for equity exposures to 600% from 0%.

 

As of September 30, 2015 and December 31, 2014, the most recent notification from the FDIC categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since that notification that management believes have changed the institution’s category. The completion of the stock offering has significantly enhanced the Bank’s Regulatory Capital.

 

The Bank’s actual capital amounts and ratios are presented in the following table.

 

                   To Be Well 
                   Capitalized Under 
           For Capital   Prompt Corrective 
   Actual   Adequacy Purposes   Action Provisions 
(dollars in thousands)  Amount   Ratio   Amount   Ratio   Amount   Ratio 
September 30, 2015                              
Total Capital (to Risk Weighted Assets)  $101,655    18.0%  $44,008 >  8.0%  $55,010 >  10.0%
Tier 1 Capital (to Risk Weighted Assets)   93,788    16.6    33,006 >  6.0    44,008 >  8.0 
Common Equity Tier 1 Capital (to Risk Weighted Assets)   93,788    16.6    24,754 >  4.5    35,756 >  6.5 
Tier 1 Capital (to Average Assets)   93,788    13.3    26,562 >  4.0    33,202 >  5.0 
December 31, 2014                              
Total Capital (to Risk Weighted Assets)  $81,229    15.4%  $42,273 >  8.0%  $52,841 >  10.0%
Tier 1 Capital (to Risk Weighted Assets)   73,282    13.9    21,136 >  4.0    31,705 >  6.0 
Tier 1 Capital (to Average Assets)   73,282    11.3    25,915 >  4.0    32,393 >  5.0 

 

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(10)Employee Stock Ownership Plan

As part of the IPO, the Company established an Employee Stock Ownership Plan (“ESOP”) to provide eligible employees the opportunity to own Company stock. This plan is a tax-qualified retirement plan for the benefit of Company employees. Contributions are allocated to eligible participants on the basis of compensation, subject to federal tax limits. The number of shares committed to be released per year through 2029 is 23,810.

 

   September 30, 2015 
Shares held by the ESOP include the following:     
Allocated   - 
Committed to be allocated   11,907 
Unallocated   345,245 
Total   357,152 

 

The fair value of unallocated shares was approximately $4.3 million at September 30, 2015.

 

Total compensation expense recognized in connection with the ESOP for the three and nine months ended September 30, 2015 was $151,000.

 

Item 2. Management’s Discussion of Financial Condition and Results of Operations

 

Management’s discussion and analysis of financial condition and results of operations at September 30, 2015 and December 31, 2014 and for the three and nine months ended September 30, 2015 and 2014 is intended to assist in understanding our financial condition and results of operations. The information contained in this section should be read in conjunction with the Unaudited Consolidated Financial Statements and the notes thereto, appearing in Part 1, Item 1 of this report.

 

Forward-Looking Statements

 

This quarterly report contains forward-looking statements, which can be identified by the use of words such as “estimate,” “project,” “believe,” “intend,” “anticipate,” “plan,” “seek,” “expect” and words of similar meaning. These forward-looking statements include, but are not limited to:

·statements of our goals, intentions and expectations;
·statements regarding our business plans, prospects, growth and operating strategies;
·statements regarding the quality of our loan and investment portfolios; and
·estimates of our risks and future costs and benefits.

 

These forward-looking statements are based on current beliefs and expectations of our management and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change.

 

The following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements:

·general economic conditions, either nationally or in our market areas, that are worse than expected;
·changes in the level and direction of loan delinquencies and charge-offs and changes in estimates of the adequacy of the allowance for loan losses;
·our ability to access cost-effective funding;
·fluctuations in real estate values and both residential and commercial real estate market conditions;

 

 26 

 

·demand for loans and deposits in our market area;
·our ability to continue to implement our business strategies;
·competition among depository and other financial institutions;
·inflation and changes in the interest rate environment that reduce our margins and yields, reduce the fair value of financial instruments or reduce the origination levels in our lending business, or increase the level of defaults, losses and prepayments on loans we have made and make whether held in portfolio or sold in the secondary markets;
·adverse changes in the securities markets;
·changes in laws or government regulations or policies affecting financial institutions, including changes in regulatory fees and capital requirements, including as a result of Basel III;
·the impact of the Dodd-Frank Wall Street Reform and Consumer Protection Act and the implementing regulations;
·our ability to manage market risk, credit risk and operational risk in the current economic conditions;
·our ability to enter new markets successfully and capitalize on growth opportunities;
·our ability to successfully integrate any assets, liabilities, customers, systems and management personnel we may acquire into our operations and our ability to realize related revenue synergies and cost savings within expected time frames and any goodwill charges related thereto;
·changes in consumer spending, borrowing and savings habits;
·changes in accounting policies and practices, as may be adopted by the bank regulatory agencies, the Financial Accounting Standards Board, the Securities and Exchange Commission or the Public Company Accounting Oversight Board;
·our ability to retain key employees;
·our compensation expense associated with equity allocated or awarded to our employees;
·our ability to redeem the Small Business Lending Fund (“SBLF”) preferred stock before the dividend rate on the preferred stock increases to 9.0% per annum; and
·changes in the financial condition, results of operations or future prospects of issuers of securities that we own.

 

Because of these and other uncertainties, our actual future results may be materially different from the results indicated by these forward-looking statements. Except as required by law, we disclaim any intention or obligation to update or revise any forward-looking statements after the date of this Form 10-Q, whether as a result of new information, future events or otherwise. For further information, please see “Risk Factors” included in our Prospectus dated May 14, 2015, filed with the Securities and Exchange Commission on May 22, 2015.

 

Critical Accounting Policies

Critical accounting estimates are necessary in the application of certain accounting policies and procedures and are particularly susceptible to significant change. Critical accounting policies are defined as those involving significant judgments and assumptions by management that could have a material impact on the carrying value of certain assets or on income under different assumptions or conditions. Management believes that the most critical accounting policies, which involve the most complex or subjective decisions or assessments, are as follows:

 

Allowance for Loan Losses. The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the un-collectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance.

 

The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.

 

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A loan is considered impaired when, based on current information and events, it is probable that we will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis for commercial, commercial real estate and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent.

 

Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, we do not separately identify individual consumer and residential loans for impairment disclosures.

 

The general component of the allowance for loan losses is based on historical loss experience adjusted for qualitative factors stratified by the following loan segments: residential real estate, commercial real estate, construction and land development, commercial and consumer. Management uses a rolling average of historical losses based on a time frame appropriate to capture relevant loss data for each loan segment. This historical loss factor is adjusted for the following qualitative factors: levels/trends in delinquencies; trends in volume and terms of loans; effects of changes in risk selection and underwriting standards and other changes in lending policies, procedures and practices; experience/ability/depth of lending management and staff; and national and local economic trends and conditions. There were no changes in our policies or methodology pertaining to the general component of the allowance for loan losses during 2014 or for the nine months ended September 30, 2015.

 

The qualitative factors are determined based on the various risk characteristics of each loan segment. Risk characteristics relevant to each portfolio segment are as follows:

 

Residential real estate: We generally do not originate loans with a loan-to-value ratio greater than 80% and do not grant subprime loans. Loans with loan to value ratios greater than 80% require the purchase of private mortgage insurance. All loans in this segment are collateralized by owner-occupied residential real estate and repayment is dependent on the credit quality of the individual borrower. The overall health of the economy, including unemployment rates and housing prices, will have an effect on the credit quality in this segment.

 

Commercial real estate: Loans in this segment are primarily income-producing properties throughout Massachusetts and New Hampshire. The underlying cash flows generated by the properties are adversely impacted by a downturn in the economy as evidenced by increased vacancy rates, which in turn, will have an effect on the credit quality in this segment. Management periodically obtains rent rolls and continually monitors the cash flows of these loans.

 

Construction and land development: Loans in this segment primarily include speculative and pre sold real estate development loans for which payment is derived from sale of the property and construction to permanent loans for which payment is derived from cash flows of the property. Credit risk is affected by cost overruns, time to sell at an adequate price, and market conditions.

 

Commercial: Loans in this segment are made to businesses and are generally secured by assets of the business. Repayment is expected from the cash flows of the business. A weakened economy, and resultant decreased consumer spending, will have an effect on the credit quality in this segment.

 

Consumer: Loans in this segment are generally unsecured and repayment is dependent on the credit quality of the individual borrower.

 

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The allocated component relates to loans that are classified as impaired. Impairment is measured on a loan by loan basis for commercial, commercial real estate and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate or the fair value of the collateral if the loan is collateral dependent. An allowance is established when the discounted cash flows (or collateral value) of the impaired loan is lower than the carrying value of that loan.

 

We periodically may agree to modify the contractual terms of loans. When a loan is modified and a concession is made to a borrower experiencing financial difficulty, the modification is considered a troubled debt restructuring. All troubled debt restructurings are initially classified as impaired.

 

An unallocated component is maintained to cover uncertainties that could affect management’s estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating allocated and general reserves in the portfolio.

 

Income Taxes. We recognize income taxes under the asset and liability method. Under this method, deferred tax assets and liabilities are established for the temporary differences between the accounting basis and the tax basis of our assets and liabilities at enacted tax rates expected to be in effect when the amounts related to such temporary differences are realized or settled.

 

We examine our significant income tax positions annually to determine whether a tax benefit is more likely than not to be sustained upon examination by tax authorities.

 

Balance Sheet Analysis

 

Assets. Total assets were $699.1 million at September 30, 2015, an increase of $40.5 million from $658.6 million at December 31, 2014. The increase resulted primarily from an increase in cash and cash equivalents of $16.8 million and an increase in loans of $27.6 million.

 

Cash and Cash Equivalents. Cash and cash equivalents increased $16.8 million, or 175.8%, to $26.4 million at September 30, 2015 from $9.6 million at December 31, 2014. The increase in cash and cash equivalents primarily resulted from the proceeds from the stock offering offset by increases in loans and bank owned life insurance.

 

Loans. At September 30, 2015, net loans were $521.8 million, or 74.6% of total assets, compared to $494.2 million, or 75.0% of total assets at December 31, 2014. An increase in commercial real estate loans of $18.8 million, or 7.5%, an increase in commercial loans of $9.7 million, or 9.9%, and an increase in construction and land development loans of $9.1 million, or 19.4%, was partially offset by a decrease in residential real estate loans. During the year ended December 31, 2014, we discontinued single-family residential real estate lending, with the exception of home equity lines of credit. We believe that new federal regulations governing the origination of single-family residential real estate loans would increase our costs and expand the risks associated with this type of lending beyond the benefits that we could realize from originating these loans. We have instead focused on commercial lending.

 

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The following table sets forth the composition of our loan portfolio by type of loan at the dates indicated, excluding loans held for sale.

 

   At   At 
   September 30,   December 31, 
   2015   2014 
(In thousands)  Amount   Percent   Amount   Percent 
Commercial real estate  $268,522    50.68%  $249,691    49.76%
Commercial   107,298    20.25%   97,589    19.45%
Residential real estate   95,707    18.06%   104,568    20.84%
Construction and land development   56,216    10.61%   47,079    9.38%
Consumer   2,076    0.39%   2,863    0.57%
    529,819    100.00%   501,790    100.00%
Allowance for loan losses   (7,744)        (7,224)     
Deferred loan fees, net   (290)        (383)     
Net loans  $521,785        $494,183      

 

Securities. Our available-for-sale securities portfolio decreased $9.0 million, or 11.8%, to $67.0 million at September 30, 2015 from $76.0 million at December 31, 2014, while our held-to-maturity securities portfolio decreased $365,000 to $45.2 million at September 30, 2015 from $45.6 million at December 31, 2014. Our securities portfolio decreased as we have set aside excess cash flows from securities to fund potential loan growth instead of re-investing the proceeds in investment securities.

 

Deposits. Total deposits increased $21.2 million, or 3.9%, to $558.1 million at September 30, 2015 from $536.9 million at December 31, 2014. The increase is primarily an increase in core deposits of $29.9 million offset by a decrease in time deposits of $8.8 million. The increase was attributed to our continued strategy of obtaining deposits.

 

Borrowings. Borrowings at September 30, 2015 consisted entirely of Federal Home Loan Bank advances. Borrowings decreased $21.8 million, or 55.6%, to $17.4 million at September 30, 2015 from $39.2 million at December 31, 2014. The decrease in borrowings is as a result of the funds received from our stock offering.

 

Shareholders’ Equity. Total shareholders’ equity increased $41.2 million, or 54.4%, to $117.0 million at September 30, 2015, from $75.8 million at December 31, 2014. The increase was due primarily to $41.2 million in funds received from the stock offering.

 

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Asset Quality.

The following table sets forth information regarding our non-performing assets at the dates indicated.

 

   At   At 
   September 30,   December 31, 
   2015   2014 
(In Thousands)        
Non-accrual loans:          
Real estate loans:          
Residential  $1,301   $1,564 
Commercial   598    1,773 
Construction and land development   -    - 
Commercial business loans   1,199    516 
Consumer loans   -    - 
Total non-accrual loans   3,098    3,853 
           
Accruing loans past due 90 days or more   -    - 
           
Real estate owned   -    - 
           
Total non-performing assets  $3,098   $3,853 
           
Total loans (1)  $529,529   $501,407 
Total assets  $699,112   $658,606 
Total non-performing loans to total loans (1)   0.59%   0.77%
Total non-performing assets to total assets   0.44%   0.59%

 

(1) Loans are presented before the allowance for loan losses but include deferred fees/costs

 

The decrease in non-performing assets at September 30, 2015 compared to December 31, 2014 was primarily due to a $2 million restructured loan, having proven the ability to pay the loan that was we upgraded to accrual status.

 

Allowance for Loan Losses. The allowance for loan losses is maintained at levels considered adequate by management to provide for probable loan losses inherent in the loan portfolio as of the consolidated balance sheet reporting dates. The allowance for loan losses is based on management’s assessment of various factors affecting the loan portfolio, including portfolio composition, delinquent and non-accrual loans, national and local business conditions and loss experience and an overall evaluation of the quality of the underlying collateral.

 

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The following table sets forth activity in our allowance for loan losses for the periods indicated:

 

   Nine Months Ended September 30, 
   2015   2014 
(In thousands)        
Allowance at beginning of period  $7,224   $6,077 
Provision for loan losses   645    921 
Charge offs:          
Real estate loans:          
Residential   -    30 
Commercial   -    243 
Construction and land development   -    - 
Commercial business loans   96    - 
Consumer loans   49    63 
Total charge-offs   145    336 
           
Recoveries:          
Real estate loans:          
Residential   6    24 
Commercial   -    20 
Construction and land development   -    - 
Commercial business loans   9    2 
Consumer loans   5    4 
Total recoveries   20    50 
           
Net charge-offs   125    286 
           
Allowance at end of period  $7,744   $6,712 
           
Non-performing loans at end of period  $3,098   $3,853 
Total loans outstanding at end of period (1)  $529,529   $483,573 
Average loans outstanding during the period (1)  $507,642   $465,914 
           
Allowance to non-performing loans   249.97%   174.20%
Allowance to total loans outstanding at end of period   1.46%   1.39%
Net charge-offs to average loans outstanding during the period (annualized)   0.03%   0.08%

 

(1) Loans are presented before the allowance for loan losses but include deferred fees/costs

 

Results of Operations for the Three Months Ended September 30, 2015 and 2014

 

General. Net income decreased $1.1 million, or 89.6%, to $130,000 for the three months ended September 30, 2015 from $1.3 million for the three months ended September 30, 2014. The decrease was related to the $2.2 million funding of the Bank’s new charitable foundation ($1.4 million net of tax) and an increase in salaries and employee benefits of $353,000, partially offset by gains on sales of investments of $215,000 and increased net interest income of $767,000.

 

Interest and Dividend Income. Interest and dividend income increased $569,000, or 9.7%, to $6.4 million for the three months ended September 30, 2015 from $5.9 million for the three months ended September 30, 2014. This was attributable to an increase in interest and fees on loans, which increased $583,000, or 11.5%, to $5.6

 

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million for the three months ended September 30, 2015 from $5.1 million for the three months ended September 30, 2014.

 

The increase in interest income on loans was due to an increase in average balance of $45.4 million, or 9.5%, to $522.4 million for the three months ended September 30, 2015 from $477.0 million for the three months ended September 30, 2014. The increase in interest income on loans was also due to a seven basis point increase in yield, to 4.31% for the three months ended September 30, 2015 from 4.24% for the three months ended September 30, 2014, due to our continued focus on higher yielding commercial lending.

 

Interest Expense. Interest expense decreased $11,000, or 1.9%, to $567,000 for the three months ended September 30, 2015 from $578,000 for the three months ended September 30, 2014, primarily caused by a decrease in interest expense on deposits. Interest expense on deposits decreased $27,000, or 6.2%, to $410,000 for the three months ended September 30, 2015 from $437,000 for the three months ended September 30, 2014, as the average rate paid on interest-bearing deposits decreased three basis points to 0.40% for the three months ended September 30, 2015 from 0.43% for the three months ended September 30, 2014. The decrease in the average rate is primarily the result in the decrease in the average rates paid on the certificates of deposits. The average balance of interest-bearing deposits increased $6.9 million, or 1.7%, to $411.1 million for the three months ended September 30, 2015 from $404.2 million for the three months ended September 30, 2014. The increase resulted from increases in the average balance of all deposit categories, except higher cost certificates of deposits, which declined $6.6 million or 5.2%.

 

Net Interest and Dividend Income. Net interest and dividend income increased $580,000, or 10.9%, to $5.9 million for the three months ended September 30, 2015 from $5.3 million for the three months ended September 30, 2014. Our net interest rate spread increased 1 basis point to 3.34% for the three months ended September 30, 2015 from 3.33% for the three months ended September 30, 2014, while our net interest margin increased five basis points to 3.53% for the three months ended September 30, 2015 from 3.48% for the three months ended September 30, 2014. The average yield we earned on interest-earning assets increased one basis point to 3.87% while the average rate paid on interest-bearing liabilities remained the same at 0.53%.

 

Provision for Loan Losses. The provision for loan losses was $174,000 for the three months ended September 30, 2015 compared to $187,000 for the three months ended September 30, 2014. The provisions recorded resulted in an allowance for loan losses of $7.7 million, or 1.46% of total loans at September 30, 2015, compared to $7.2 million, or 1.44% of total loans at December 31, 2014 and $6.7 million, or 1.39% of total loans at September 30, 2014. The increase in the allowance for loan losses from September 30, 2014 to September 30, 2015 resulted primarily from an increase in our loan portfolio as we apply historical loss ratios to newly originated loans, which, absent other factors, results in an increase in the allowance for loan losses as the loan portfolio increases.

 

Noninterest Income. Noninterest income was $1.2 million for the three months ended September 30, 2015 and $918,000 for the three months ended September 30, 2014. The increase was caused primarily by a $215,000 increase in gain on sales of securities of $215,000 for the three months ended September 30, 2015 compared to no gains in the same period of 2014.

 

Noninterest Expense. Noninterest expense increased $2.6 million, or 62.6%, to $6.9 million for the three months ended September 30, 2015 from $4.2 million for the three months ended September 30, 2014. The largest increase was related to the $2.2 million funding of the Bank’s new charitable foundation. Salaries and employee benefits expense increased $353,000, or 13.3%, to $3.0 million for the three months ended September 30, 2015 from $2.7 million for the three months ended September 30, 2014, due primarily to our hiring additional employees to support our loan growth. Occupancy expense increased $47,000, or 14.0% to $383,000 for the three months ended September 30, 2015, due primarily to the additional costs for branch maintenance and updates. Professional services expenses increased $66,000, or 43.7%, to $217,000 for the three months ended September 30, 2015 from $151,000 for the three months ended September 30, 2014 due to increased management training and legal fees.

 

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Income Tax Provision. We recorded a benefit for income taxes of $133,000 for the three months ended September 30, 2015 compared to a provision of $556,000 for the three months ended September 30, 2014. The benefit recognized during the 2015 quarter resulted primarily to the tax benefit recognized for the $2.2 million donation to the charitable foundation. The changes in the income tax provision were primarily due to changes in the components of pre-tax income. Our effective tax rates are below statutory federal and states rates due primarily to tax-exempt income related to investments in bank owned life insurance and municipal securities.

 

Average Balance sheet and Related Yields and Rates

 

The following tables set forth the average balance sheets, annualized average yields and costs, and certain other information for the periods indicated. No tax-equivalent yield adjustments have been made, as the amount of tax free interest-earning assets is immaterial. All average balances are daily average balances. Non-accrual loans were included in the computation of average balances. The yields set forth below include the effect of deferred fees, discounts, and premiums that are amortized or accreted to interest income or interest expense.

 

 34 

 

   For the Three Months Ended September 30, 
   2015   2014 
       Interest           Interest     
   Average   Earned/   Yield/   Average   Earned/   Yield/ 
   Balance   Paid   Rate   Balance   Paid   Rate 
(dollars in thousands)                        
Assets:                              
Interest-earning assets:                              
Loans  $522,404   $5,634    4.31%  $477,012   $5,051    4.24%
Interest-earning deposits   25,828    16    0.25%   1,557    1    0.26%
Investment securities   114,450    769    2.69%   127,121    808    2.54%
Federal Home Loan Bank stock   3,642    29    3.19%   4,097    19    1.86%
Total interest-earning assets   666,324    6,448    3.87%   609,787    5,879    3.86%
Non-interest earning assets   36,377              33,411           
                               
Total assets  $702,701             $643,198           
                               
Interest-bearing liabilities:                              
Savings accounts  $95,218    35    0.15%  $87,618    33    0.15%
Money market accounts   112,993    76    0.27%   111,697    72    0.26%
Now accounts   83,418    32    0.15%   78,845    32    0.16%
Certificates of deposit   119,457    267    0.89%   126,044    300    0.95%
Total interest-bearing deposits   411,086    410    0.40%   404,204    437    0.43%
Federal Home Loan Bank advances   17,560    157    3.58%   35,786    141    1.58%
Total interest-bearing liabilities   428,646    567    0.53%   439,990    578    0.53%
Noninterest-bearing liabilities:                              
Noninterest-bearing deposits   151,094              123,505           
Other noninterest-bearing liabilities   18,003              5,775           
Total liabilities   597,743              569,270           
Total equity   104,958              73,928           
Total liabilities and equity  $702,701             $643,198           
                               
Net interest income       $5,881             $5,301      
Interest rate spread (1)             3.34%             3.33%
Net interest-earning assets (2)  $237,678             $169,797           
Net interest margin (3)             3.53%             3.48%
Average interest-earning assets to interest-bearing liabilities   155.45%             138.59%          

 

(1)Net interest rate spread represents the difference between the weighted average yield on interest-bearing assets and the weighted average rate of interest-bearing liabilities.
(2)Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities.
(3)Net interest margin represents net interest income divided by average total interest-earning assets

 

Rate/Volume Analysis

 

The following table sets forth the effects of changing rates and volumes on our net interest income. The rate column shows the effects attributable to changes in rate (changes in rate multiplied by prior volume). The volume column shows the effect attributable to changes in volume (changes in volume multiplied by prior rate). The net column represents the sum of the prior columns. For purposes of this table, changes attributable to changes in both rate and volume that cannot be segregated have been allocated proportionately based on the changes due to rate and the changes due to volume.

 

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   For the Three Months Ended September 30, 2015 
   Compared to the Three Months Ended September 30, 2014 
   Increase (Decrease) Due to   Total 
   Rate   Volume   Increase (Decrease) 
(in thousands)            
Interest-earning assets:               
Loans  $94   $489   $583 
Interest-earning deposits   -    15    15 
Investment securities   44    (83)   (39)
Federal Home Loan Bank Stock   12    (2)   10 
                
Total interest-earning assets   151    418    569 
                
Interest-bearing liabilities:               
Savings accounts   (1)   3   $2 
Money Market Accounts   3    1    4 
Now Accounts   (2)   2    - 
Certificates of deposit   (19)   (14)   (33)
                
Total interest-bearing deposits   (18)   (9)   (27)
                
Federal Home Loan Bank advances   114    (98)   16 
                
Total interest-bearing liabilities   95    (106)   (11)
                
Change in net interest income  $55   $525   $580 

 

Results of Operations for the Nine Months Ended September 30, 2015 and 2014

 

General. Net income decreased $1.2 million, or 33.1%, to $2.4 million for the nine months ended September 30, 2015 from $3.5 million for the nine months ended September 30, 2014. The decrease was related to the $2.2 million funding of the Bank’s new charitable foundation ($1.4 million net of tax), and an increase in salaries and employee benefits of $1.0 million. The increased expenses were partially offset by an increase in interest and dividend income of $1.6 million.

 

Interest and Dividend Income. Interest and dividend income increased $1.6 million, or 9.2%, to $18.8 million for the nine months ended September 30, 2015 from $17.2 million for the nine months ended September 30, 2014. This was attributable to an increase in interest and fees on loans, which increased $1.7 million, or 11.4%, to $16.3 million for the nine months ended September 30, 2015 from $14.6 million for the nine months ended September 30, 2014.

 

The increase in interest income on loans was due to an increase in average balance of $41.7 million, or 9.0%, to $507.6 million for the nine months ended September 30, 2015 from $465.9 million for the nine months ended September 30, 2014. The increase in interest income on loans was also due to a nine basis point increase in yield, to 4.28% for the nine months ended September 30, 2015 from 4.19% for the nine months ended September 30, 2014, due to our continued focus on higher yielding commercial lending.

 

Interest Expense. Interest expense decreased $70,000, or 4.0%, to $1.6 million for the nine months ended September 30, 2015 from $1.7 million for the nine months ended September 30, 2014, primarily caused by a decrease in interest expense on deposits. Interest expense on deposits decreased $80,000, or 6.1%, to $1.2 million for the nine months ended September 30, 2015 from $1.3 million for the nine months ended September 30, 2014 as the average rate paid on interest-bearing deposits decreased four basis points to 0.40% for the nine

 

 36 

 

months ended September 30, 2015 from 0.44% for the nine months ended September 30, 2014. The decrease in rates paid is primarily the result of a decrease in the average rates paid on the certificates of deposits. The average balance of interest-bearing deposits increased $10.1 million, or 2.5%, to $407.9 million for the nine months ended September 30, 2015 from $397.8 million for the nine months ended September 30, 2014. The increase resulted from increases in the average balance of all deposit categories, except for certificate of deposit accounts, which decreased slightly. Interest expense on borrowings increased $10,000 to $437,000 for the nine months ended September 30, 2015 from $427,000 for the nine months ended September 30, 2014. The average balance of borrowings decreased $13.4 million while the rates paid on borrowings increased 59 basis points.

 

Net Interest and Dividend Income. Net interest and dividend income increased $1.6 million, or 10.6%, to $17.1 million for the nine months ended September 30, 2015 from $15.5 million for the nine months ended September 30, 2014. Our net interest rate spread increased 11 basis points to 3.39% for the nine months ended September 30, 2015 from 3.28% for the nine months ended September 30, 2014, while our net interest margin increased 13 basis points to 3.55% for the nine months ended September 30, 2015 from 3.42% for the nine months ended September 30, 2014. The average yield earned on interest-earning assets increased 10 basis points to 3.90% while we were able to decrease the average rate paid on interest-bearing liabilities decreased by one basis point to 0.51%.

 

Provision for Loan Losses. Our provision for loan losses was $645,000 for the nine months ended September 30, 2015 compared to $921,000 for the nine months ended September 30, 2014. The provisions recorded resulted in an allowance for loan losses of $7.7 million, or 1.46% of total loans at September 30, 2015, compared to $7.2 million, or 1.44% of total loans at December 31, 2014 and $6.7 million, or 1.39% of total loans at September 30, 2014. The increase in the allowance for loan losses from September 30, 2014 to September 30, 2015 resulted primarily from an increase in our loan portfolio as we apply historical loss ratios to newly originated loans, which, absent other factors, results in an increase in the allowance for loan losses as the loan portfolio increases.

 

Noninterest Income. Noninterest income was $2.8 million for the nine months ended September 30, 2015 and $3.0 million for the nine months ended September 30, 2014. The decrease was caused primarily by a $107,000 decrease in gain on sales, calls and donated securities, which totaled $317,000 for the nine months ended September 30, 2015 and $424,000 for the nine months ended September 30, 2014.

 

Noninterest Expense. Noninterest expense increased $3.3 million, or 25.7%, to $16.2 million for the nine months ended September 30, 2015 from $12.9 million for the nine months ended September 30, 2014. The largest increase was related to the $2.2 million funding of the Bank’s new charitable foundation. Salaries and employee benefits expense increased $1.0 million, or 13.0%, to $8.7 million for the nine months ended September 30, 2015 from $7.7 million for the nine months ended September 30, 2014, due primarily to our hiring additional employees to support our loan growth. Occupancy expense increased $169,000, or 16.9% to $1.2 million for the nine months ended September 30, 2015, due primarily to the additional costs for snow removal. Professional services expenses increased $193,000, or 41.2%, to $662,000 for the nine months ended September 30, 2015 from $469,000 for the nine months ended September 30, 2014 due to increased management training and development of our sales team. Other expense decreased $201,000, or 8.0% to $2.3 million for the nine months ended September 30, 2015, due primarily to a donation of $250,000 during the nine months ended September 30, 2014.

 

Income Tax Provision. We recorded a provision for income taxes of $721,000 for the nine months ended September 30, 2015, reflecting an effective tax rate of 23.3%, compared to $1.1 million, or 23.0%, for the nine months ended September 30, 2014. The changes in the income tax provision were primarily due to changes in the components of pre-tax income. The effective tax rates are below statutory federal and states rates due primarily to tax-exempt income related to investments in bank owned life insurance and municipal securities.

 

Average Balance sheet and Related Yields and Rates

 

The following tables set forth the average balance sheets, annualized average yields and costs, and certain other information for the periods indicated. No tax-equivalent yield adjustments have been made, as the amount of tax free interest-earning assets is immaterial. All average balances are daily average balances. Non-accrual loans

 

 37 

 

were included in the computation of average balances. The yields set forth below include the effect of deferred fees, discounts, and premiums that are amortized or accreted to interest income or interest expense.

 

   For the Nine Months Ended September 30, 
   2015   2014 
       Interest           Interest     
   Average   Earned/   Yield/   Average   Earned/   Yield/ 
   Balance   Paid   Rate   Balance   Paid   Rate 
(dollars in thousands)                        
Assets:                              
Interest-earning assets:                              
Loans  $507,642   $16,294    4.28%  $465,914   $14,625    4.19%
Interest-earning deposits   13,386    27    0.27%   2,074    4    0.26%
Investment securities   117,635    2,408    2.73%   130,050    2,513    2.58%
Federal Home Loan Bank Stock   3,642    45    1.65%   4,844    58    1.60%
Total interest-earning assets   642,305    18,774    3.90%   602,882    17,200    3.80%
Non-interest earning assets   33,780              33,499           
                               
Total assets  $676,085             $636,381           
                               
Interest-bearing liabilities:                              
Savings accounts  $94,086    103    0.15%  $87,025    97    0.15%
Money Market Accounts   111,679    222    0.27%   110,477    209    0.25%
Now Accounts   79,369    92    0.15%   74,677    88    0.16%
Certificates of deposit   122,738    810    0.88%   125,589    913    0.97%
Total interest-bearing deposits   407,872    1,227    0.40%   397,768    1,307    0.44%
Federal Home Loan Bank advances   31,085    437    1.87%   44,452    427    1.28%
Total interest-bearing liabilities   438,957    1,664    0.51%   442,220    1,734    0.52%
Noninterest-bearing liabilities:                              
Noninterest-bearing deposits   138,675              116,604           
Other noninterest-bearing liabilities   11,941              5,298           
Total liabilities   589,573              564,122           
Total equity   86,512              72,259           
Total liabilities and equity  $676,085             $636,381           
                               
Net interest income       $17,110             $15,466      
Interest rate spread (1)             3.39%             3.28%
Net interest-earning assets (2)  $203,348             $160,662           
Net interest margin (3)             3.55%             3.42%
Average interest-earning assets to interest-bearing liabilities   146.33%             136.33%          

 

(1)Net interest rate spread represents the difference between the weighted average yield on interest-bearing assets and the weighted average rate of interest-bearing liabilities.
(2)Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities.
(3)Net interest margin represents net interest income divided by average total interest-earning assets

 

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Rate/Volume Analysis

 

The following table sets forth the effects of changing rates and volumes on our net interest income. The rate column shows the effects attributable to changes in rate (changes in rate multiplied by prior volume). The volume column shows the effect attributable to changes in volume (changes in volume multiplied by prior rate). The net column represents the sum of the prior columns. For purposes of this table, changes attributable to changes in both rate and volume that cannot be segregated have been allocated proportionately based on the changes due to rate and the changes due to volume.

 

   For the Nine Months Ended September 30, 2015 
   Compared to the Nine Months Ended September 30, 2014 
   Increase (Decrease) Due to   Total 
   Rate   Volume   Increase (Decrease) 
(in thousands)            
Interest-earning assets:               
Loans  $336   $1,333   $1,669 
Interest-earning deposits   -    23    23 
Investment securities   144    (249)   (105)
Federal Home Loan Bank Stock   2    (15)   (13)
Total interest-earning assets   482    1,092    1,574 
Interest-bearing liabilities:               
Savings accounts   (2)   8   $6 
Money Market Accounts   11    2    13 
Now Accounts   (1)   5    4 
Certificates of deposit   (83)   (20)   (103)
Total interest-bearing deposits   (75)   (5)   (80)
Federal Home Loan Bank advances   162    (152)   10 
Total interest-bearing liabilities   87    (157)   (70)
Change in net interest income  $395   $1,249   $1,644 

 

Liquidity and Capital Resources

 

Liquidity is the ability to meet current and future financial obligations of a short-term nature. Our primary sources of funds consist of deposit inflows, loan repayments and maturities and sales of securities. While maturities and scheduled amortization of loans and securities are predictable sources of funds, deposit flows and mortgage prepayments are greatly influenced by general interest rates, economic conditions and competition.

 

We regularly review the need to adjust our investments in liquid assets based upon our assessment of: (1) expected loan demand, (2) expected deposit flows, (3) yields available on interest-earning deposits and securities, and (4) the objectives of our asset/liability management program. Excess liquid assets are invested generally in interest-earning deposits and short- and intermediate-term securities.

 

Our most liquid assets are cash and cash equivalents. The levels of these assets are dependent on our operating, financing, lending and investing activities during any given period. At September 30, 2015, cash and cash equivalents totaled $26.4 million. Securities classified as available-for-sale, which provide additional sources of liquidity, totaled $67.0 million at September 30, 2015.

 

At September 30, 2015, we had the ability to borrow a total of $175.4 million from the Federal Home Loan Bank of Boston. On that date, we had $17.4 million in advances outstanding. At September 30, 2015, we also had an available line of credit with the Federal Reserve Bank of Boston’s borrower-in-custody program of $101.2 million, none of which was outstanding as of that date.

 

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We have no material commitments or demands that are likely to affect our liquidity other than set forth below. In the event loan demand were to increase faster than expected, or any unforeseen demand or commitment were to occur, we could access our borrowing capacity with the Federal Home Loan Bank of Boston or obtain additional funds through brokered certificates of deposit.

 

At September 30, 2015 and December 31, 2014 we had $15.7 million and $9.1 million in loan commitments outstanding, respectively. In addition to commitments to originate loans, at September 30, 2015 and December 31, 2014, we had $163.9 million and $115.4 million in un-advanced funds to borrowers, respectively. We also had $4.3 million in outstanding letters of credit at September 30, 2015 and December 31, 2014.

 

Certificates of deposit due within one year of September 30, 2015 totaled $64.2 million, or 11.5% of total deposits. If these deposits do not remain with us, we will be required to seek other sources of funds, including other certificates of deposit and Federal Home Loan Bank of Boston advances. Depending on market conditions, we may be required to pay higher rates on such deposits or other borrowings than we currently pay on the certificates of deposit at September 30, 2015. We believe, however, based on past experience that a significant portion of our certificates of deposit will remain with us. We have the ability to attract and retain deposits by adjusting the interest rates offered.

 

Our primary investing activities are the origination of loans and the purchase of securities. During the nine months ended September 30, 2015, we originated $138.5 million of loans, all of which were intended to be held in our portfolio, and we purchased $1.4 million of securities. During the nine months ended September 30, 2014, we originated $112.6 million of loans, including $112.6 million of loans to be held in our portfolio, and we purchased $1.2 million of securities.

 

Financing activities consist primarily of activity in deposit accounts and Federal Home Loan Bank advances. We experienced net increases in total deposits of $21.2 million and $24.7 million for the nine months ended September 30, 2015 and 2014, respectively. Deposit flows are affected by the overall level of interest rates, the interest rates and products offered by us and our local competitors and other factors. We generally manage the pricing of our deposits to be competitive. Federal Home Loan Bank advances reflected a net decrease of $21.8 million and a decrease of $8.4 million during the nine months ended September 30, 2015 and 2014, respectively.

 

The Provident Bank is subject to various regulatory capital requirements administered by the Massachusetts Commissioner of Banks and the Federal Deposit Insurance Corporation. At September 30, 2015, The Provident Bank exceeded all applicable regulatory capital requirements, and was considered “well capitalized” under regulatory guidelines. See Note 9 of the Notes to the Unaudited Consolidated Financial Statements for additional information.

 

We paid $44,000 in dividends on our SBLF preferred stock during the quarter ended September 30, 2015. The per annum dividend rate on the SBLF preferred stock is currently 1.00%, but during the first quarter of 2016, the per annum dividend rate will increase to a fixed rate of 9.0% if any SBLF preferred stock remains outstanding at that time. Assuming the increased dividend rate of 9.0% per annum and assuming no redemption our annual dividends payable would increase to $1.5 million, which could have a negative effect on our liquidity and capital resources, including reducing our net income available to holders of our common stock and our earnings per share. The Company has begun the application process to redeem its SBLF preferred stock. The anticipated redemption will occur no later than January 2016.

 

The net proceeds from the stock offering will significantly increase our liquidity and capital resources. Over time, the initial level of liquidity will be reduced as net proceeds from the stock offering are used for general corporate purposes, including the funding of loans. Our financial condition and results of operations will be enhanced by the net proceeds from the stock offering, resulting in increased net interest-earning assets and net interest income. However, due to the increase in equity resulting from the net proceeds raised in the stock offering, as well as other factors associated with the stock offering, our return on equity was adversely affected following the stock offering and could continue to be adversely affected in the future.

 

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Item 3. Quantitative and Qualitative Disclosures about Market Risk

 

Not applicable, as the Company is a smaller reporting company.

 

Item 4. Controls and Procedures

 

An evaluation was performed under the supervision and with the participation of the Company’s management, including the President and Chief Executive Officer and the Executive Vice President and Chief Financial Officer, of the effectiveness of the design and operation of the Company’s disclosure controls and procedures (as defined in Rule 13a-15(e) promulgated under the Securities and Exchange Act of 1934, as amended) as of September 30, 2015. Based on that evaluation, the Company’s management, including the President and Chief Executive Officer and the Executive Vice President and Chief Financial Officer, concluded that the Company’s disclosure controls and procedures were effective.

 

During the quarter ended September 30, 2015, there have been no changes in the Company’s internal control over financial reporting that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.

 

Part II – Other Information

 

Item 1. Legal Proceedings

 

The Company is subject to various legal actions arising in the normal course of business. In the opinion of management, the resolution of these legal actions is not expected to have a material adverse effect on the Company’s financial condition or results of operations.

 

Item 1A. Risk Factors

 

Not applicable, as the Company is a smaller reporting company.

 

Item 2. Unregistered Sales of Equity Securities and Use of Proceeds

 

(a)Not applicable.

 

(b)Not applicable.

 

(c)There were no issuer repurchases of securities during the period covered by this Report.

 

Item 3. Defaults Upon Senior Securities

 

None.

 

Item 4. Mine Safety Disclosures

 

Not applicable.

 

Item 5. Other Information

 

None.

 

 41 

 

Item 6. Exhibits

 

3.1 Amended and Restated Articles of Organization of Provident Bancorp, Inc. (1)
3.2 By-Laws of Provident Bancorp, Inc. (1)
31.1 Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
31.2 Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
32 Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
   
101

The following financial statements from the Provident Bancorp, Inc. Quarterly Report on Form 10-Q for the quarter ended September 30, 2015, formatted in Extensible Business Reporting Language (XBRL): (i) Consolidated Balance Sheets; (ii) Consolidated Statements of Income; (iii) Consolidated Statements of Comprehensive Income; (iv) Consolidated Statements of Changes in Equity; (v) Consolidated Statements of Cash Flows; and (vi) Notes to Unaudited Consolidated Financial Statements.

 

 

(1)Incorporated by reference to the Company’s Registration Statement on Form S-1 (file no. 333-202716), initially filed with the Securities and Exchange Commission on March 13, 2015.

 

 42 

 

SIGNATURES

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

 

    PROVIDENT BANCORP, INC.
     
Date:     November 12, 2015   /s/ David P. Mansfield
    David P. Mansfield
    President and Chief Executive Officer
     
Date:     November 12, 2015   /s/ Carol L. Houle
    Carol L. Houle
    Executive Vice President and Chief Financial Officer

 

 43 

 

 EX-31.1 2 t1502582_ex31-1.htm EXHIBIT 31.1

 

Exhibit 31.1

 

Certification of Chief Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

 

I, David P. Mansfield, certify that:

 

1.I have reviewed this Quarterly Report on Form 10-Q of Provident Bancorp, Inc.;

 

2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

4.The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) for the registrant and have:

 

(a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within the entity, particularly during the period in which this report is being prepared;

 

(b)Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

 

(c)Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 

5.The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors:

 

(a)All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

(b)Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

Date: November 12, 2015 /s/ David P. Mansfield
  David P. Mansfield
 

President and Chief Executive Officer

 

 

 

 

 EX-31.2 3 t1502582_ex31-2.htm EXHIBIT 31.2

 

Exhibit 31.2

 

Certification of Chief Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

 

I, Carol L. Houle, certify that:

 

1.I have reviewed this Quarterly Report on Form 10-Q of Provident Bancorp, Inc.;

 

2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

4.The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) for the registrant and have:

 

(a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within the entity, particularly during the period in which this report is being prepared;

 

(b)Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

 

(c)Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 

5.The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors:

 

(a)All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

(b)Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

Date: November 12, 2015 /s/ Carol L. Houle
  Carol L. Houle
  Executive Vice President and Chief Financial Officer

 

 

 

 EX-32 4 t1502582_ex32.htm EXHIBIT 32

 

Exhibit 32

 

Certification of Chief Executive Officer and Chief Financial Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

 

David P. Mansfield, President and Chief Executive Officer of Provident Bancorp, Inc. (the “Company”), and Carol L. Houle, Executive Vice President and Chief Financial Officer of the Company, each certify in his or her capacity as an officer of the Company that they have reviewed the quarterly report on Form 10-Q for the quarter ended September 30, 2015 (the “Report”) and that to the best of their knowledge:

 

1.the Report fully complies with the requirements of Sections 13(a) or 15(d) of the Securities Exchange Act of 1934; and

 

2.the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

 

Date: November 12, 2015 /s/ David P. Mansfield
  David P. Mansfield
  President and Chief Executive Officer
   
Date: November 12, 2015 /s/ Carol L. Houle
  Carol L. Houle
  Executive Vice President and Chief Financial Officer

 

A signed original of this written statement required by Section 906 has been provided to the Company and will be retained by the Company and furnished to the Securities and Exchange Commission or its staff upon request.

 

 

 

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results of operations, and cash flows in conformity with generally accepted accounting principles. However, in the opinion of management, all adjustments (consisting of normal recurring adjustments) necessary for a fair presentation of the financial statements have been included. The results of operations for the three and nine months period ended September 30, 2015 are not necessarily indicative of the results that may be expected for future periods, including the entire fiscal year. These financial statements should be read in conjunction with the annual financial statements and notes thereto that are included in the Company&#8217;s Prospectus dated May 14, 2015, as filed with the Securities and Exchange Commission. The consolidated financial statements include the accounts of Provident Bancorp, Inc., its wholly owned subsidiary, The Provident Bank (the &#8220;Bank&#8221;), and the Bank&#8217;s wholly owned subsidiaries, Provident Security Corporation and 5 Market Street Security Corporation. Provident Security Corporation was established to buy, sell, and hold investments for its own account, and 5 Market Street Security Corporation, an inactive corporation, was established to buy, sell, and hold investments for its own account. All significant inter-company balances and transactions have been eliminated in consolidation. These consolidated financial statements consider events that occurred through the date the consolidated financial statements were issued.</font></p> <table style="widows: 1; text-transform: none; margin-top: 0pt; text-indent: 0px; width: 100%; font: 10pt 'times new roman', times, serif; margin-bottom: 0pt; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"><tr style="vertical-align: top;"><td style="width: 0.25in;"><b>(2)</b></td><td><b>Corporate Structure</b></td></tr></table><p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"><font style="font: 10pt 'times new roman', times, serif; font-stretch: normal;">On March 10, 2015, the Board of Directors of the Company adopted a plan of stock issuance (the &#8220;Plan&#8221;) pursuant to which the Company sold shares of common stock, representing a minority ownership of the estimated pro forma market value of the Company.&#160;</font><font style="font-size: 10pt;">On July 15, 2015, the Company closed its offering and issued 4,274,425 shares of common stock to the public at $10.00 per share, including 357,152 shares purchased by The Provident Bank Employee Stock Ownership Plan. In addition, the Company issued 5,034,323 shares to Provident Bancorp Inc., the Company&#8217;s mutual holding company, and 189,974 shares to The Provident Community Charitable Organization, Inc., a charitable foundation that was formed in connection with the stock offering and is dedicated to supporting charitable organizations operating in the Bank&#8217;s local community. 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Following the completion of the offering, the Company will not be permitted to pay dividends on its capital stock if the Company&#8217;s shareholders&#8217; equity would be reduced below the amount of the liquidation account. The liquidation account will be reduced annually to the extent that eligible account holders have reduced their qualifying deposits. 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Under the proportionate amortization method, an entity amortizes the initial cost of the investment in proportion to the tax credits and other tax benefits received and recognize the net investment performance in the income statement as a component of income tax expense (benefit). The decision to apply the proportionate amortization method of accounting should be applied consistently to all qualifying affordable housing project investments. A reporting entity that uses the effective yield or other method to account for its investments in qualified affordable housing projects before the date of adoption may continue to apply such method to those preexisting investments. The amendments were effective for the Company on January 1, 2015. The application of this guidance did not have a material impact on the Company's financial statements.</font></p><p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"><font style="font-weight: normal;">&#160;</font></p><p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"><font style="font-weight: normal;"><i>ASU No. 2014-04, Receivables &#8212; Troubled Debt Restructurings by Creditors (Subtopic 310-40) &#8212; "Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure (a consensus of the FASB Emerging Issues Task Force)&#8221;.</i>&#160;The ASU clarifies that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (i) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (ii) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar agreement. In addition, the amendments require disclosure of both the amount of foreclosed residential real estate property held by the creditor and the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure in accordance with local requirements of the applicable jurisdiction. An entity can elect to adopt the amendments using either a modified retrospective method or a prospective transition method. The amendments were effective for the Company on January 1, 2015. The application of this guidance did not have a material impact on the Company's financial statements.</font></p><p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"><font style="font-weight: normal;">&#160;</font></p><p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"><font style="font-weight: normal;"><i>ASU No. 2014-14, Receivables &#8212; Troubled Debt Restructurings by Creditors (Subtopic 310-40) &#8212; "Classification of Certain Government-Guaranteed Residential Mortgage Loans upon Foreclosure (a consensus of the FASB Emerging Issues Task Force)&#8221;.</i>&#160;The ASU has been issued to reduce diversity in practice in the classification of foreclosed residential mortgage loans held by creditors that are fully guaranteed under certain government programs, including the Federal Housing Administration guarantees. A residential mortgage loan would be derecognized and a separate other receivable would be recognized upon foreclosure if the loan has both of the following characteristics: (i) the loan has a government guarantee that is not separable from the loan before foreclosure entitling the creditor to the full unpaid principal balance of the loan; and (ii) at the time of foreclosure, the creditor has the intent to make a claim on the guarantee and the ability to recover the full unpaid principal balance of the loan through the guarantee. Notably, upon foreclosure, the separate other receivable would be measured based on the current amount of the loan balance expected to be recovered under the guarantee. The amendments are effective for the Company beginning on January 1, 2016. The Company does not expect the application of this guidance to have a material impact on the Company's financial statements.</font></p><p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"><font style="font-weight: normal;">&#160;</font></p><p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"><font style="font-weight: normal;"><i>ASU No. 2015-02, &#8220;Consolidation (Topic 810): Amendments to the Consolidation Analysis.&#8221;</i>&#160;The amendments in this ASU affect reporting entities that are required to evaluate whether they should consolidate certain legal entities. Specifically, the amendments: (1) Modify the evaluation of whether limited partnerships and similar legal entities are variable interest entities (&#8220;VIEs&#8221;) or voting interest entities; (2) Eliminate the presumption that a general partner should consolidate a limited partnership; (3) Affect the consolidation analysis of reporting entities that are involved with VIEs, particularly those that have fee arrangements and related party relationships; and (4) Provide a scope exception from consolidation guidance for reporting entities with interests in legal entities that are required to comply with or operate in accordance with requirements that are similar to those in Rule 2a-7 of the Investment Company Act of 1940 for registered money market funds. ASU 2015-02 is effective for interim and annual reporting periods beginning after December 15, 2015. The Company anticipates that the adoption of this ASU will not have a material impact on its consolidated financial statements.</font></p><p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"><font style="font-weight: normal;">&#160;</font></p><div style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"><font style="font-weight: normal;"><i>ASU No. 2015-03, &#8220;Interest &#8212; Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs&#8221;.</i>&#160;The amendments in this ASU require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this ASU. The standard is effective for interim and annual reporting periods beginning after December 15, 2015, with early adoption permitted. The guidance should be applied on a retrospective basis. The Company anticipates that the adoption of this ASU will not have a material impact on its consolidated financial statements.</font></div><p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0.5in; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">&#160;</p><p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"><font style="font-weight: normal;"><i>ASU No. 2015-05, &#8220;Intangibles &#8212; Goodwill and Other &#8212; Internal-Use Software (Subtopic 350-40): Customer&#8217;s Accounting for Fees Paid in a Cloud Computing Arrangement&#8221;.</i>&#160;This ASU provides guidance to customers about whether a cloud computing arrangement includes a software license. If a cloud computing arrangement includes a software license, the customer should account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, the customer should account for the arrangement as a service contract. The new guidance does not change the accounting for a customer&#8217;s accounting for service contracts. ASU 2015-05 is effective for interim and annual reporting periods beginning after December 15, 2015. 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Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Bank&#8217;s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank&#8217;s assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. 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The new regulations require a new Common Equity Tier 1 (&#8220;CET1&#8221;) capital ratio of 4.5%, a minimum Tier 1 </font><font style="font-weight: normal;">capital to risk-weighted assets ratio of 6.0%, a minimum total capital to risk-weighted assets ratio of 8.0% and a minimum Tier 1 leverage ratio of 4.0%. CET1 generally consists of common stock and retained earnings, subject to applicable adjustments and deductions. Under new prompt corrective action regulations, in order to be considered &#8220;well capitalized,&#8221; the Bank must maintain a CET1 capital ratio of 6.5% and a Tier 1 ratio of 8.0%, a total risk based capital ratio of 10% and a Tier 1 leverage ratio of 5.0%. In addition, the regulations establish a capital conservation buffer above the required capital ratios that phases in beginning January 1, 2016 at 0.625% of risk-weighted assets and increases each year by 0.625% until it is fully phased in at 2.5% effective January 1, 2019. Beginning January 1, 2016, failure to maintain the capital conservation buffer will limit the ability of the Bank and the Company to pay dividends repurchases shares or pay discretionary bonuses.</font></p><p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"><font style="font-weight: normal;">&#160;</font></p><p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"><font style="font-weight: normal;">The new regulations implemented changes to what constitutes regulatory capital. Certain instruments no longer constitute qualifying capital, subject to phase-out periods. In addition, Tier 2 capital is no longer limited to the amount of Tier 1 capital included in total capital. Mortgage servicing rights, certain deferred tax assets and investments in unconsolidated subsidiaries over designated percentages of CET1 must be deducted from capital. The Bank has elected to permanently opt-out of the inclusion of accumulated other comprehensive income in capital calculations, as permitted by the regulations. This opt-out will reduce the impact of market volatility on the Bank&#8217;s regulatory capital ratios.</font></p><p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"><font style="font-weight: normal;">&#160;</font></p><p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"><font style="font-weight: normal;">The new regulations also changed the risk weights of certain assets, including an increase in the risk weight of certain high volatility commercial real estate acquisition, development and construction loans and non-residential mortgage loans that are 90 days past due or on non-accrual status to 150% from 100%, a credit conversion factor for the unused portion of commitments with maturities of less than one year that are not cancellable to 20% from 0%, an increase in the risk weight for mortgage servicing rights and deferred tax assets that are not deducted from capital to 250% from 100%, and an increase in the risk weight for equity exposures to 600% from 0%.</font></p><p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"><font style="font-weight: normal;">&#160;</font></p><p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"><font style="font-weight: normal;">As of September 30, 2015 and December 31, 2014, the most recent notification from the FDIC categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. 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style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: white; vertical-align: bottom;"><td>Loans:</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td>Ending balance:</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: white; vertical-align: bottom;"><td style="text-align: left; padding-left: 9pt;">Individually evaluated for impairment</td><td>&#160;</td><td style="text-align: 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style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: white; 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text-align: right;">107,298</td><td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td><td style="padding-bottom: 2.5pt;">&#160;</td><td style="border-bottom: black 2.5pt double; text-align: left;">$</td><td style="border-bottom: black 2.5pt double; text-align: right;">2,076</td><td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td><td style="padding-bottom: 2.5pt;">&#160;</td><td style="border-bottom: black 2.5pt double; text-align: left;">$</td><td style="border-bottom: black 2.5pt double; text-align: right;">-</td><td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td><td style="padding-bottom: 2.5pt;">&#160;</td><td style="border-bottom: black 2.5pt double; text-align: left;">$</td><td style="border-bottom: black 2.5pt double; text-align: right;">529,819</td><td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td></tr><tr style="background-color: white; vertical-align: bottom;"><td>&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="font-weight: bold;">December 31, 2014</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: white; vertical-align: bottom;"><td>Ending balance:</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="text-align: left; padding-left: 9pt;">Individually evaluated for impairment</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">62</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">62</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: white; vertical-align: bottom;"><td>Ending balance:</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="text-align: left; padding-bottom: 1pt; padding-left: 9pt;">Collectively evaluated for impairment</td><td style="padding-bottom: 1pt;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: right;">3,500</td><td style="text-align: left; padding-bottom: 1pt;">&#160;</td><td style="padding-bottom: 1pt;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: right;">872</td><td style="text-align: left; padding-bottom: 1pt;">&#160;</td><td style="padding-bottom: 1pt;">&#160;</td><td style="border-bottom: black 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nowrap="nowrap">&#160;</td><td style="text-align: right;" nowrap="nowrap">&#160;</td><td style="text-align: left;" nowrap="nowrap">&#160;</td><td nowrap="nowrap">&#160;</td><td style="text-align: left;" nowrap="nowrap">&#160;</td><td style="text-align: right;" nowrap="nowrap">&#160;</td><td style="text-align: left;" nowrap="nowrap">&#160;</td><td nowrap="nowrap">&#160;</td><td style="text-align: left;" nowrap="nowrap">&#160;</td><td style="text-align: right;" nowrap="nowrap">&#160;</td><td style="text-align: left;" nowrap="nowrap">&#160;</td><td nowrap="nowrap">&#160;</td><td style="text-align: left;" nowrap="nowrap">&#160;</td><td style="text-align: right;" nowrap="nowrap">&#160;</td><td style="text-align: left;" nowrap="nowrap">&#160;</td><td nowrap="nowrap">&#160;</td><td style="text-align: left;" nowrap="nowrap">&#160;</td><td style="text-align: right;" nowrap="nowrap">&#160;</td><td style="text-align: left;" nowrap="nowrap">&#160;</td></tr><tr style="background-color: #cceeff; 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nowrap="nowrap">&#160;</td><td style="text-align: right;" nowrap="nowrap">&#160;</td><td style="text-align: left;" nowrap="nowrap">&#160;</td><td nowrap="nowrap">&#160;</td><td style="text-align: left;" nowrap="nowrap">&#160;</td><td style="text-align: right;" nowrap="nowrap">&#160;</td><td style="text-align: left;" nowrap="nowrap">&#160;</td><td nowrap="nowrap">&#160;</td><td style="text-align: left;" nowrap="nowrap">&#160;</td><td style="text-align: right;" nowrap="nowrap">&#160;</td><td style="text-align: left;" nowrap="nowrap">&#160;</td><td nowrap="nowrap">&#160;</td><td style="text-align: left;" nowrap="nowrap">&#160;</td><td style="text-align: right;" nowrap="nowrap">&#160;</td><td style="text-align: left;" nowrap="nowrap">&#160;</td></tr><tr style="background-color: white; vertical-align: bottom;"><td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Residential real estate</td><td>&#160;</td><td style="text-align: left;" nowrap="nowrap">$</td><td 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left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: white; vertical-align: bottom;"><td style="text-align: left;">With an allowance recorded:</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="text-align: left;">Residential real estate</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: white; vertical-align: bottom;"><td style="text-align: left;">Commercial real estate</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="text-align: left;">Construction and land development</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: white; vertical-align: bottom;"><td>Commercial</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">1,061</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">1,098</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">494</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">853</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="padding-bottom: 1pt;">Consumer</td><td style="padding-bottom: 1pt;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: right;">-</td><td style="text-align: left; padding-bottom: 1pt;">&#160;</td><td style="padding-bottom: 1pt;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: right;">-</td><td style="text-align: left; padding-bottom: 1pt;">&#160;</td><td style="padding-bottom: 1pt;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: right;">-</td><td style="text-align: left; padding-bottom: 1pt;">&#160;</td><td style="padding-bottom: 1pt;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: right;">-</td><td style="text-align: left; padding-bottom: 1pt;">&#160;</td><td style="padding-bottom: 1pt;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: right;">-</td><td style="text-align: left; padding-bottom: 1pt;">&#160;</td></tr><tr style="background-color: white; vertical-align: bottom;"><td style="text-align: left; padding-bottom: 1pt; padding-left: 11pt;">Total impaired with an allowance recorded</td><td style="padding-bottom: 1pt;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: right;">1,061</td><td style="text-align: left; padding-bottom: 1pt;">&#160;</td><td style="padding-bottom: 1pt;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: right;">1,098</td><td style="text-align: left; padding-bottom: 1pt;">&#160;</td><td style="padding-bottom: 1pt;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: right;">494</td><td style="text-align: left; padding-bottom: 1pt;">&#160;</td><td style="padding-bottom: 1pt;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: right;">853</td><td style="text-align: left; padding-bottom: 1pt;">&#160;</td><td style="padding-bottom: 1pt;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: right;">-</td><td style="text-align: left; padding-bottom: 1pt;">&#160;</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td>&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: white; vertical-align: bottom;"><td>Total</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="text-align: left;">Residential real estate</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">440</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">440</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">295</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">18</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: white; vertical-align: bottom;"><td style="text-align: left;">Commercial real estate</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">3,531</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">3,531</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">3,916</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">87</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="text-align: left;">Construction and land development</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: white; vertical-align: bottom;"><td>Commercial</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">1,772</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">1,809</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">494</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">1,452</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">17</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="padding-bottom: 1pt;">Consumer</td><td style="padding-bottom: 1pt;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: right;">-</td><td style="text-align: left; padding-bottom: 1pt;">&#160;</td><td style="padding-bottom: 1pt;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: right;">-</td><td style="text-align: left; padding-bottom: 1pt;">&#160;</td><td style="padding-bottom: 1pt;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: right;">-</td><td style="text-align: left; padding-bottom: 1pt;">&#160;</td><td style="padding-bottom: 1pt;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: right;">-</td><td style="text-align: left; padding-bottom: 1pt;">&#160;</td><td style="padding-bottom: 1pt;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: left;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: right;">-</td><td style="text-align: left; padding-bottom: 1pt;">&#160;</td></tr><tr style="background-color: white; vertical-align: bottom;"><td style="text-align: left; padding-bottom: 2.5pt; padding-left: 11pt;">Total impaired loans</td><td style="padding-bottom: 2.5pt;">&#160;</td><td style="border-bottom: black 2.5pt double; text-align: left;">$</td><td style="border-bottom: black 2.5pt double; text-align: right;">5,743</td><td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td><td style="padding-bottom: 2.5pt;">&#160;</td><td style="border-bottom: black 2.5pt double; text-align: left;">$</td><td style="border-bottom: black 2.5pt double; text-align: right;">5,780</td><td style="text-align: left; padding-bottom: 2.5pt;">&#160;</td><td style="padding-bottom: 2.5pt;">&#160;</td><td style="border-bottom: black 2.5pt double; text-align: left;">$</td><td style="border-bottom: black 2.5pt double; 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style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: white; vertical-align: bottom;"><td>&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="font-weight: bold;">December 31, 2014</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr 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Federal Home Loan Bank Advances (Detail Textuals) - Federal Home Loan Bank Advances
Aug. 31, 2015
USD ($)
Federal Home Loan Bank, Advances [Line Items]  
Modified FHLB borrowings $ 3,500,000
Prepayment penalty $ 233,000
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Employee Stock Ownership Plan (Detail Textuals))
 3 Months Ended 9 Months Ended
Sep. 30, 2015
USD ($)
shares
Sep. 30, 2015
USD ($)
shares
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]    
Number of shares committed to be released per year through 2029 | shares 23,810 23,810
Fair value of unallocated shares $ 4,300,000 $ 4,300,000
Compensation expense $ 151,000 $ 151,000
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Regulatory Capital (Detail Textuals)
 9 Months Ended 12 Months Ended
Sep. 30, 2015
Dec. 31, 2014
Banking and Thrift [Abstract]    
Common equity Tier 1 ("CETI") capital ratio 4.50%  
Minimum Tier 1 capital to risk-weighted assets ratio 6.00% 4.00%
Minimum total capital to risk-weighted assets ratio 8.00% 8.00%
Minimum Tier 1 leverage ratio 4.00% 4.00%
CETI capital ratio 6.50%  
Tier 1 ratio 8.00% 6.00%
Total risk based capital ratio 10.00% 10.00%
Tier 1 leverage ratio 5.00%  
Capital conservation buffer above required capital ratios in beginning January 1, 2016 0.625%  
Capital conservation buffer fully phased 2.50%  
90 days past due or on non-accrual status 150.00% 100.00%
Non cancellable credit conversion factor for unused portion of commitments 20.00% 0.00%
Risk weight for mortgage servicing rights and deferred tax assets 250.00% 100.00%
Risk weight for equity exposures 600.00% 0.00%
XML 15 R33.htm IDEA: XBRL DOCUMENT v3.3.0.814
Loans (Details 2) - Loans Receivable - USD ($)
$ in Thousands
Sep. 30, 2015
Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Past Due $ 720 $ 2,048
Total Current 529,099 499,742
Total Loans $ 529,819 $ 501,790
90 Days or More Past Due and Accruing
Nonaccrual Loans $ 3,098 $ 5,082
30 - 59 Days    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Past Due 186 268
60 - 89 Days    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Past Due 256 644
90 Days or More Past Due    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Past Due 278 1,136
Residential real estate    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Past Due 243 827
Total Current 95,464 103,741
Total Loans $ 95,707 $ 104,568
90 Days or More Past Due and Accruing
Nonaccrual Loans $ 1,301 $ 1,564
Residential real estate | 30 - 59 Days    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Past Due
Residential real estate | 60 - 89 Days    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Past Due $ 243 $ 404
Residential real estate | 90 Days or More Past Due    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Past Due 423
Commercial real estate    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Past Due $ 102 605
Total Current 268,420 249,086
Total Loans $ 268,522 $ 249,691
90 Days or More Past Due and Accruing
Nonaccrual Loans $ 598 $ 3,002
Commercial real estate | 30 - 59 Days    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Past Due 110
Commercial real estate | 60 - 89 Days    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Past Due 132
Commercial real estate | 90 Days or More Past Due    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Past Due $ 102 $ 363
Construction and land development    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Past Due
Total Current $ 56,216 $ 47,079
Total Loans $ 56,216 $ 47,079
90 Days or More Past Due and Accruing
Nonaccrual Loans
Construction and land development | 30 - 59 Days    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Past Due
Construction and land development | 60 - 89 Days    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Past Due
Construction and land development | 90 Days or More Past Due    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Past Due
Commercial    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Past Due $ 362 $ 607
Total Current 106,936 96,982
Total Loans $ 107,298 $ 97,589
90 Days or More Past Due and Accruing
Nonaccrual Loans $ 1,199 $ 516
Commercial | 30 - 59 Days    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Past Due $ 186 149
Commercial | 60 - 89 Days    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Past Due 108
Commercial | 90 Days or More Past Due    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Past Due $ 176 350
Consumer    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Past Due 13 9
Total Current 2,063 2,854
Total Loans $ 2,076 $ 2,863
90 Days or More Past Due and Accruing
Nonaccrual Loans
Consumer | 30 - 59 Days    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Past Due $ 9
Consumer | 60 - 89 Days    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Past Due $ 13
Consumer | 90 Days or More Past Due    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Past Due
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Employee Stock Ownership Plan (Tables)
 9 Months Ended
Sep. 30, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]  
Schedule of Employee Stock Ownership Plan

 

 

  September 30, 2015 
Shares held by the ESOP include the following:    
Allocated  - 
Committed to be allocated  11,907 
Unallocated  345,245 
Total  357,152 
XML 18 R42.htm IDEA: XBRL DOCUMENT v3.3.0.814
Fair Value Measurements (Details 2) - Nonrecurring basis - USD ($)
$ in Thousands
Sep. 30, 2015
Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired loans $ 567 $ 253
Quoted Prices in Active Markets for Identical Assets Level 1    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired loans
Significant Other Observable Inputs Level 2    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired loans
Significant Unobservable Inputs Level 3    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired loans $ 567 $ 253
XML 19 R37.htm IDEA: XBRL DOCUMENT v3.3.0.814
Loans (Details Textuals)
 9 Months Ended
Sep. 30, 2015
Debt
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Number of troubled debt restructures approved 7
Reserve on balance loan 50.00%
Commercial  
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Troubled debt restructures with reamortization based on remaining term 2
Troubled debt restructures with reamortization based on extended term 1
Commercial real estate  
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Number of loan modified to interest only payments 1
Residential real estate  
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Number of loan modified to interest only payments 2
XML 20 R47.htm IDEA: XBRL DOCUMENT v3.3.0.814
Employee Stock Ownership Plan (Details) - shares
Sep. 30, 2015
Dec. 31, 2014
Shares held by the ESOP include the following:    
Allocated  
Committed to be allocated 11,907  
Unallocated 345,245  
Total 357,152 0
XML 21 R9.htm IDEA: XBRL DOCUMENT v3.3.0.814
Basis of Presentation
 9 Months Ended
Sep. 30, 2015
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Basis of Presentation
(1) Basis of Presentation

The accompanying unaudited financial statements of Provident Bancorp, Inc., a Massachusetts corporation (the “Company”), were prepared in accordance with the instructions for Form 10-Q and with Regulation S-X and do not include information or footnotes necessary for a complete presentation of financial condition, results of operations, and cash flows in conformity with generally accepted accounting principles. However, in the opinion of management, all adjustments (consisting of normal recurring adjustments) necessary for a fair presentation of the financial statements have been included. The results of operations for the three and nine months period ended September 30, 2015 are not necessarily indicative of the results that may be expected for future periods, including the entire fiscal year. These financial statements should be read in conjunction with the annual financial statements and notes thereto that are included in the Company’s Prospectus dated May 14, 2015, as filed with the Securities and Exchange Commission. The consolidated financial statements include the accounts of Provident Bancorp, Inc., its wholly owned subsidiary, The Provident Bank (the “Bank”), and the Bank’s wholly owned subsidiaries, Provident Security Corporation and 5 Market Street Security Corporation. Provident Security Corporation was established to buy, sell, and hold investments for its own account, and 5 Market Street Security Corporation, an inactive corporation, was established to buy, sell, and hold investments for its own account. All significant inter-company balances and transactions have been eliminated in consolidation. These consolidated financial statements consider events that occurred through the date the consolidated financial statements were issued.
XML 22 R43.htm IDEA: XBRL DOCUMENT v3.3.0.814
Fair Value Measurements (Details 3) - Nonrecurring basis - USD ($)
$ in Thousands
 9 Months Ended 12 Months Ended
Sep. 30, 2015
Dec. 31, 2014
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]    
Impaired loans Fair Value $ 567 $ 253
Level 3    
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]    
Impaired loans Fair Value $ 567 $ 253
Valuation Technique Real estate appraisals Real estate appraisals
Unobservable Input Discount for dated appraisals Discount for dated appraisals
Minimum | Level 3    
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]    
Range (Weighted Average) 6.00% 6.00%
Maximum | Level 3    
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]    
Range (Weighted Average) 10.00% 10.00%
XML 23 R29.htm IDEA: XBRL DOCUMENT v3.3.0.814
Investment Securities (Details 2) - USD ($)
$ in Thousands
Sep. 30, 2015
Dec. 31, 2014
Available-for-Sale Fair Value    
Fair Value $ 67,042 $ 76,032
Held-to-Maturity Amortized Cost Basis    
Held-to-maturity Securities 45,194 45,559
Held-to-Maturity Fair Value    
Fair Value 46,778 $ 47,435
Available-for-Sale    
Available-for-Sale Fair Value    
Due within one year 2,185  
Due after one year through five years 1,364  
Due after five years through ten years 619  
Due after ten years 3,909  
Government mortgage-backed securities 46,529  
Asset-backed securities 2,334  
Fair Value 56,940  
Held-to-Maturity    
Held-to-Maturity Amortized Cost Basis    
Due within one year 90  
Due after one year through five years 2,650  
Due after five years through ten years 5,701  
Due after ten years 36,753  
Held-to-maturity Securities 45,194  
Held-to-Maturity Fair Value    
Due within one year 90  
Due after one year through five years 2,728  
Due after five years through ten years 5,852  
Due after ten years 38,108  
Fair Value $ 46,778  
XML 24 R28.htm IDEA: XBRL DOCUMENT v3.3.0.814
Investment Securities (Details 1) - USD ($)
$ in Thousands
Sep. 30, 2015
Dec. 31, 2014
Schedule of Held-to-maturity Securities [Line Items]    
Fair Value $ 46,778 $ 47,435
State and municipal    
Schedule of Held-to-maturity Securities [Line Items]    
Amortized Cost Basis 45,194 45,559
Gross Unrealized Gains 1,650 1,940
Gross Unrealized Losses 66 64
Fair Value $ 46,778 $ 47,435
XML 25 R44.htm IDEA: XBRL DOCUMENT v3.3.0.814
Fair Value of Financial Instruments (Details) - USD ($)
$ in Thousands
Sep. 30, 2015
Dec. 31, 2014
Sep. 30, 2014
Dec. 31, 2013
Financial assets:        
Cash and cash equivalents $ 26,357 $ 9,558 $ 11,324 $ 15,356
Available-for-sale securities 67,042 76,032    
Held-to-maturity securities 45,194 45,559    
Federal Home Loan Bank of Boston stock 3,642 3,642    
Accrued interest receivable 2,001 2,056    
Carrying Amount        
Financial assets:        
Cash and cash equivalents 26,357 9,558    
Available-for-sale securities 67,042 76,032    
Held-to-maturity securities 45,194 45,559    
Federal Home Loan Bank of Boston stock 3,642 3,642    
Loans, net 521,785 494,183    
Accrued interest receivable 2,001 2,056    
Financial liabilities:        
Deposits 558,099 536,934    
Federal Home Loan Bank advances 17,412 39,237    
Level 1        
Financial assets:        
Cash and cash equivalents 26,357 9,558    
Available-for-sale securities $ 10,102 $ 10,313    
Held-to-maturity securities    
Federal Home Loan Bank of Boston stock $ 3,642 $ 3,642    
Loans, net    
Accrued interest receivable    
Financial liabilities:        
Deposits    
Federal Home Loan Bank advances    
Level 2        
Financial assets:        
Cash and cash equivalents    
Available-for-sale securities $ 55,690 $ 64,597    
Held-to-maturity securities $ 46,778 $ 47,435    
Federal Home Loan Bank of Boston stock    
Loans, net    
Accrued interest receivable $ 2,001 $ 2,056    
Financial liabilities:        
Deposits    
Federal Home Loan Bank advances $ 17,886 $ 40,020    
Level 3        
Financial assets:        
Cash and cash equivalents    
Available-for-sale securities $ 1,250 $ 1,122    
Held-to-maturity securities    
Federal Home Loan Bank of Boston stock    
Loans, net $ 530,418 $ 501,049    
Accrued interest receivable    
Financial liabilities:        
Deposits $ 558,332 $ 537,281    
Federal Home Loan Bank advances    
Fair Value        
Financial assets:        
Cash and cash equivalents $ 26,357 $ 9,558    
Available-for-sale securities 67,042 76,032    
Held-to-maturity securities 46,778 47,435    
Federal Home Loan Bank of Boston stock 3,642 3,642    
Loans, net 530,418 501,049    
Accrued interest receivable 2,001 2,056    
Financial liabilities:        
Deposits 558,332 537,281    
Federal Home Loan Bank advances $ 17,886 $ 40,020    
XML 26 R30.htm IDEA: XBRL DOCUMENT v3.3.0.814
Investment Securities (Details 3) - USD ($)
$ in Thousands
Sep. 30, 2015
Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]    
Fair Value, Less than 12 Months $ 7,855 $ 3,181
Unrealized Loss, Less than 12 Months 236 120
Fair Value, 12 Months or Longer 14,697 22,221
Unrealized Loss, 12 Months or Longer 549 694
Fair Value, Total 22,552 25,402
Unrealized Loss, Total 785 $ 814
State and municipal    
Schedule of Available-for-sale Securities [Line Items]    
Fair Value, Less than 12 Months 4,670
Unrealized Loss, Less than 12 Months 33
Fair Value, 12 Months or Longer 1,457 $ 5,847
Unrealized Loss, 12 Months or Longer 33 64
Fair Value, Total 6,127 5,847
Unrealized Loss, Total $ 66 $ 64
Asset-backed securities    
Schedule of Available-for-sale Securities [Line Items]    
Fair Value, Less than 12 Months
Unrealized Loss, Less than 12 Months
Fair Value, 12 Months or Longer $ 2,010 $ 2,645
Unrealized Loss, 12 Months or Longer 32 87
Fair Value, Total 2,010 2,645
Unrealized Loss, Total 32 87
Government mortgage-backed securities    
Schedule of Available-for-sale Securities [Line Items]    
Fair Value, Less than 12 Months 1,343 2,472
Unrealized Loss, Less than 12 Months 3 4
Fair Value, 12 Months or Longer 9,629 12,518
Unrealized Loss, 12 Months or Longer 156 195
Fair Value, Total 10,972 14,990
Unrealized Loss, Total $ 159 199
Trust preferred securities    
Schedule of Available-for-sale Securities [Line Items]    
Fair Value, Less than 12 Months 26
Unrealized Loss, Less than 12 Months 36
Fair Value, 12 Months or Longer $ 1,149 1,096
Unrealized Loss, 12 Months or Longer 176 344
Fair Value, Total 1,149 1,122
Unrealized Loss, Total 176 380
Marketable equity securities    
Schedule of Available-for-sale Securities [Line Items]    
Fair Value, Less than 12 Months 1,842 683
Unrealized Loss, Less than 12 Months 200 80
Fair Value, 12 Months or Longer 452 115
Unrealized Loss, 12 Months or Longer 152 4
Fair Value, Total 2,294 798
Unrealized Loss, Total $ 352 $ 84
XML 27 R31.htm IDEA: XBRL DOCUMENT v3.3.0.814
Loans (Details) - Loans Receivable - USD ($)
$ in Thousands
Sep. 30, 2015
Jun. 30, 2015
Dec. 31, 2014
Sep. 30, 2014
Jun. 30, 2014
Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]            
Gross loans, Amount $ 529,819   $ 501,790      
Gross loans, Percent 100.00%   100.00%      
Allowance for loan losses $ (7,744) $ (7,569) $ (7,224) $ (6,712) $ (6,567) $ (6,077)
Deferred loan fees, net (290)   (383)      
Net loans 521,785   494,183      
Commercial real estate            
Accounts, Notes, Loans and Financing Receivable [Line Items]            
Gross loans, Amount $ 268,522   $ 249,691      
Gross loans, Percent 50.69%   49.76%      
Allowance for loan losses $ (3,593) (3,510) $ (3,500) (3,645) (3,408) (3,207)
Commercial            
Accounts, Notes, Loans and Financing Receivable [Line Items]            
Gross loans, Amount $ 107,298   $ 97,589      
Gross loans, Percent 20.25%   19.45%      
Allowance for loan losses $ (2,142) (2,108) $ (1,751) (1,541) (1,555) (1,331)
Residential real estate            
Accounts, Notes, Loans and Financing Receivable [Line Items]            
Gross loans, Amount $ 95,707   $ 104,568      
Gross loans, Percent 18.06%   20.84%      
Allowance for loan losses $ (435) (541) $ (560) (664) (712) (725)
Construction and land development            
Accounts, Notes, Loans and Financing Receivable [Line Items]            
Gross loans, Amount $ 56,216   $ 47,079      
Gross loans, Percent 10.61%   9.38%      
Allowance for loan losses $ (1,096) (921) $ (872) (573) (483) (363)
Consumer            
Accounts, Notes, Loans and Financing Receivable [Line Items]            
Gross loans, Amount $ 2,076   $ 2,863      
Gross loans, Percent 0.39%   0.57%      
Allowance for loan losses $ (140) $ (159) $ (184) $ (169) $ (157) $ (206)
XML 28 R8.htm IDEA: XBRL DOCUMENT v3.3.0.814
CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Cash flows from operating activities:    
Net income $ 2,372 $ 3,548
Adjustments to reconcile net income to net cash provided by operating activities:    
Amortization of securities premiums, net of accretion 660 682
ESOP expense 151  
Contribution of stock to charitable foundation 1,900  
Gain on sales, calls and donations of securities, net (317) (424)
Change in deferred loan fees, net (93) (80)
Provision for loan losses 645 921
Depreciation and amortization 549 578
Increase in accrued interest receivable 55 42
(Increase) decrease in taxes receivable (879) 211
Increase in cash surrender value of life insurance (288) (278)
Increase in other assets (779) (638)
(Decrease) increase in other liabilities (57) 596
Net cash provided by operating activities 3,919 5,158
Cash flows from investing activities:    
Purchases of available-for-sale securities (1,415) (1,156)
Proceeds from sales of available-for-sale securities 739 1,693
Proceeds from pay downs, maturities and calls of available-for-sale securities 8,570 10,799
Purchases of held-to-maturity securities   (1,434)
Proceeds from pay downs, maturities and calls of held-to-maturity securities   1,456
Redemption of Federal Home Loan Bank Stock   1,676
Loan originations and principal collections, net (28,174) (30,334)
Recoveries of loans previously charged off 20 50
Loans purchased   (7,706)
Additions to premises and equipment (249) (497)
Purchase of bank owned life insurance (3,447)  
Net cash used in investing activities (23,956) (25,453)
Cash flows from financing activities:    
Net increase in demand deposits, NOW and savings accounts 28,927 21,378
Net (decrease) increase in time deposits (7,762) 3,365
Proceeds from sale of common stock, net 41,197  
Common stock purchased by ESOP (3,572)  
Payments made on Federal Home Loan Bank long-term advances   (3,351)
Net change in Federal Home Loan Bank short-term advances (21,825) (5,000)
Preferred stock dividends (129) (129)
Net cash provided by financing activities 36,836 16,263
Net increase (decrease) in cash and cash equivalents 16,799 (4,032)
Cash and cash equivalents at beginning of year 9,558 15,356
Cash and cash equivalents at end of year 26,357 11,324
Supplemental disclosures:    
Interest paid 1,658 1,692
Income taxes paid $ 1,600 $ 902
XML 29 R32.htm IDEA: XBRL DOCUMENT v3.3.0.814
Loans (Details 1) - Loans Receivable - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Sep. 30, 2015
Sep. 30, 2014
Dec. 31, 2014
Allowance for Loan and Lease Losses [Roll Forward]          
Beginning balance $ 7,569 $ 6,567 $ 7,224 $ 6,077 $ 6,077
Charge-offs (8) (46) (145) (336)
Recoveries 9 4 20 50
Provision (benefit) 174 187 645 921
Total allowance for loan losses ending balance 7,744 6,712 7,744 6,712 $ 7,224
Ending balance:          
Individually evaluated for impairment 494   494   62
Collectively evaluated for impairment 7,250   7,250   7,162
Total allowance for loan losses ending balance 7,744 6,712 7,744 6,712 7,224
Loans:          
Individually evaluated for impairment 5,743   5,743   5,318
Collectively evaluated for impairment 524,076   524,076   496,472
Total loans ending balance 529,819   529,819   501,790
Commercial Real Estate          
Allowance for Loan and Lease Losses [Roll Forward]          
Beginning balance $ 3,510 $ 3,408 $ 3,500 3,207 $ 3,207
Charge-offs (243)
Recoveries 20
Provision (benefit) $ 83 $ 237 $ 93 661
Total allowance for loan losses ending balance $ 3,593 3,645 $ 3,593 3,645 $ 3,500
Ending balance:          
Individually evaluated for impairment    
Collectively evaluated for impairment $ 3,593   $ 3,593   $ 3,500
Total allowance for loan losses ending balance 3,593 3,645 3,593 3,645 3,500
Loans:          
Individually evaluated for impairment 3,531   3,531   4,276
Collectively evaluated for impairment 264,991   264,991   245,415
Total loans ending balance 268,522   268,522   249,691
Construction and Land Development          
Allowance for Loan and Lease Losses [Roll Forward]          
Beginning balance $ 921 $ 483 $ 872 $ 363 $ 363
Charge-offs
Recoveries $ 2
Provision (benefit) $ 175 $ 90 $ 224 208
Total allowance for loan losses ending balance $ 1,096 573 $ 1,096 573 $ 872
Ending balance:          
Individually evaluated for impairment    
Collectively evaluated for impairment $ 1,096   $ 1,096   $ 872
Total allowance for loan losses ending balance $ 1,096 573 $ 1,096 573 $ 872
Loans:          
Individually evaluated for impairment    
Collectively evaluated for impairment $ 56,216   $ 56,216   $ 47,079
Total loans ending balance 56,216   56,216   47,079
Residential Real Estate          
Allowance for Loan and Lease Losses [Roll Forward]          
Beginning balance $ 541 712 $ 560 725 $ 725
Charge-offs $ (30) (30)
Recoveries $ 6 24
Provision (benefit) $ (106) $ (18) (131) (55)
Total allowance for loan losses ending balance $ 435 664 $ 435 664 $ 560
Ending balance:          
Individually evaluated for impairment    
Collectively evaluated for impairment $ 435   $ 435   $ 560
Total allowance for loan losses ending balance 435 664 435 664 560
Loans:          
Individually evaluated for impairment 440   440   221
Collectively evaluated for impairment 95,267   95,267   104,347
Total loans ending balance 95,707   95,707   104,568
Commercial          
Allowance for Loan and Lease Losses [Roll Forward]          
Beginning balance 2,108 $ 1,555 1,751 $ 1,331 $ 1,331
Charge-offs 8 (96)
Recoveries 8 $ 1 9
Provision (benefit) 18 (15) 478 $ 210
Total allowance for loan losses ending balance 2,142 1,541 2,142 1,541 $ 1,751
Ending balance:          
Individually evaluated for impairment 494   494   62
Collectively evaluated for impairment 1,648   1,648   1,689
Total allowance for loan losses ending balance 2,142 1,541 2,142 1,541 1,751
Loans:          
Individually evaluated for impairment 1,772   1,772   821
Collectively evaluated for impairment 105,526   105,526   96,768
Total loans ending balance 107,298   107,298   97,589
Consumer          
Allowance for Loan and Lease Losses [Roll Forward]          
Beginning balance 159 157 184 206 $ 206
Charge-offs (16) (16) (49) (63)
Recoveries 1 3 $ 5 4
Provision (benefit) (4) 25 22
Total allowance for loan losses ending balance $ 140 169 $ 140 169 $ 184
Ending balance:          
Individually evaluated for impairment    
Collectively evaluated for impairment $ 140   $ 140   $ 184
Total allowance for loan losses ending balance $ 140 169 $ 140 169 $ 184
Loans:          
Individually evaluated for impairment    
Collectively evaluated for impairment $ 2,076   $ 2,076   $ 2,863
Total loans ending balance 2,076   2,076   2,863
Unallocated          
Allowance for Loan and Lease Losses [Roll Forward]          
Beginning balance $ 330 $ 252 $ 357 $ 245 $ 245
Charge-offs
Recoveries
Provision (benefit) $ 8 $ (132) $ (19) $ (125)
Total allowance for loan losses ending balance $ 338 120 $ 338 120 $ 357
Ending balance:          
Individually evaluated for impairment    
Collectively evaluated for impairment $ 338   $ 338   $ 357
Total allowance for loan losses ending balance $ 338 $ 120 $ 338 $ 120 $ 357
Loans:          
Individually evaluated for impairment    
Collectively evaluated for impairment    
XML 30 R40.htm IDEA: XBRL DOCUMENT v3.3.0.814
Fair Value Measurements (Details) - USD ($)
$ in Thousands
Sep. 30, 2015
Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals $ 67,042 $ 76,032
U.S. Government and federal agency    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals 2,052 2,084
State and municipal    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals 3,688 3,901
Corporate debt    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals 1,087 1,114
Asset-backed securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals 2,334 2,645
Mortgage-backed securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals 46,529 54,853
Trust preferred securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals 1,250 1,122
Recurring basis    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals 67,042 76,032
Recurring basis | U.S. Government and federal agency    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals 2,052 2,084
Recurring basis | State and municipal    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals 3,688 3,901
Recurring basis | Corporate debt    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals 1,087 1,114
Recurring basis | Asset-backed securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals 2,334 2,645
Recurring basis | Mortgage-backed securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals 46,529 54,853
Recurring basis | Trust preferred securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals 1,250 1,122
Recurring basis | Marketable equity securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals 10,102 10,313
Recurring basis | Quoted Prices in Active Markets for Identical Assets Level 1    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals $ 10,102 $ 10,313
Recurring basis | Quoted Prices in Active Markets for Identical Assets Level 1 | U.S. Government and federal agency    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals
Recurring basis | Quoted Prices in Active Markets for Identical Assets Level 1 | State and municipal    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals
Recurring basis | Quoted Prices in Active Markets for Identical Assets Level 1 | Corporate debt    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals
Recurring basis | Quoted Prices in Active Markets for Identical Assets Level 1 | Asset-backed securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals
Recurring basis | Quoted Prices in Active Markets for Identical Assets Level 1 | Mortgage-backed securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals
Recurring basis | Quoted Prices in Active Markets for Identical Assets Level 1 | Trust preferred securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals
Recurring basis | Quoted Prices in Active Markets for Identical Assets Level 1 | Marketable equity securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals $ 10,102 $ 10,313
Recurring basis | Significant Other Observable Inputs Level 2    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals 55,690 64,597
Recurring basis | Significant Other Observable Inputs Level 2 | U.S. Government and federal agency    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals 2,052 2,084
Recurring basis | Significant Other Observable Inputs Level 2 | State and municipal    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals 3,688 3,901
Recurring basis | Significant Other Observable Inputs Level 2 | Corporate debt    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals 1,087 1,114
Recurring basis | Significant Other Observable Inputs Level 2 | Asset-backed securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals 2,334 2,645
Recurring basis | Significant Other Observable Inputs Level 2 | Mortgage-backed securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals $ 46,529 $ 54,853
Recurring basis | Significant Other Observable Inputs Level 2 | Trust preferred securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals
Recurring basis | Significant Other Observable Inputs Level 2 | Marketable equity securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals
Recurring basis | Significant Unobservable Inputs Level 3    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals $ 1,250 $ 1,122
Recurring basis | Significant Unobservable Inputs Level 3 | U.S. Government and federal agency    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals
Recurring basis | Significant Unobservable Inputs Level 3 | State and municipal    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals
Recurring basis | Significant Unobservable Inputs Level 3 | Corporate debt    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals
Recurring basis | Significant Unobservable Inputs Level 3 | Asset-backed securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals
Recurring basis | Significant Unobservable Inputs Level 3 | Mortgage-backed securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals
Recurring basis | Significant Unobservable Inputs Level 3 | Trust preferred securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals $ 1,250 $ 1,122
Recurring basis | Significant Unobservable Inputs Level 3 | Marketable equity securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Totals
XML 31 R2.htm IDEA: XBRL DOCUMENT v3.3.0.814
CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Sep. 30, 2015
Dec. 31, 2014
Assets    
Cash and due from banks $ 9,469 $ 7,533
Interest-bearing demand deposits with other banks 16,672 1,311
Money market mutual funds 216 714
Cash and cash equivalents 26,357 9,558
Investments in available-for-sale securities (at fair value) 67,042 76,032
Investments in held-to-maturity securities (fair values of $46,778 as of September 30, 2015 and $47,435 as of December 31, 2014) 45,194 45,559
Federal Home Loan Bank stock, at cost 3,642 3,642
Loans, net 521,785 494,183
Bank owned life insurance 15,879 12,144
Premises and equipment, net 10,203 10,503
Accrued interest receivable 2,001 2,056
Deferred tax asset, net 4,053 3,632
Other assets 2,956 1,297
Total assets 699,112 658,606
Deposits:    
Noninterest-bearing 153,324 128,407
Interest-bearing 404,775 408,527
Total deposits 558,099 536,934
Federal Home Loan Bank advances 17,412 39,237
Other liabilities 6,587 6,644
Total liabilities 582,098 582,815
Shareholders' Equity:    
Preferred stock; authorized 50,000 shares: senior non-cumulative perpetual, Series A, no par, 17,145 shares issued and outstanding at September 30, 2015 and December 31, 2014; liquidation value $1,000 per share $ 17,145 $ 17,145
Common stock, no par value: 30,000,000 and 275,000 shares authorized as of September 30, 2015 and December 31, 2014, respectively; 9,498,722 and 275,000 shares issued and outstanding as of September 30, 2015 and December 31, 2014, respectively
Additional paid-in capital $ 43,128 $ 275
Retained earnings 58,477 55,959
Accumulated other comprehensive income 1,716 2,412
Unearned compensation - ESOP 357,152 and 0 shares at September 30, 2015 and December 31, 2014, respectively (3,452)  
Total shareholders' equity 117,014 75,791
Total liabilities and shareholders' equity $ 699,112 $ 658,606
XML 32 R45.htm IDEA: XBRL DOCUMENT v3.3.0.814
Regulatory Capital (Details) - USD ($)
$ in Thousands
Sep. 30, 2015
Dec. 31, 2014
Banking and Thrift [Abstract]    
Total Capital to Risk-Weighted Assets, Actual Capital, Amount $ 101,655 $ 81,229
Total Capital to Risk-Weighted Assets, Actual Capital, Ratio 18.00% 15.40%
Total Capital to Risk-Weighted Assets, For Capital Adequacy Purposes, Amount $ 44,008 $ 42,273
Total Capital to Risk-Weighted Assets, For Capital Adequacy Purposes, Ratio 8.00% 8.00%
Total Capital to Risk-Weighted Assets, To be Well Capitalized Under Prompt Corrective Action Provisions, Amount $ 55,010 $ 52,841
Total Capital to Risk-Weighted Assets, To be Well Capitalized Under Prompt Corrective Action Provisions, Ratio 10.00% 10.00%
Tier I Capital to Risk-Weighted Assets, Actual Capital, Amount $ 93,788 $ 73,282
Tier I Capital to Risk-Weighted Assets, Actual Capital, Ratio 16.60% 13.90%
Tier I Capital to Risk-Weighted Assets, For Capital Adequacy Purposes, Amount $ 33,006 $ 21,136
Tier I Capital to Risk-Weighted Assets, For Capital Adequacy Purposes, Ratio 6.00% 4.00%
Tier I Capital to Risk-Weighted Assets, To be Well Capitalized Under Prompt Corrective Action Provisions, Amount $ 44,008 $ 31,705
Tier I Capital to Risk-Weighted AssetsTo be Well Capitalized Under Prompt Corrective Action Provisions, Ratio 8.00% 6.00%
Common Equity Tier 1 Capital to Risk-Weighted Assets, Actual Capital, Amount $ 93,788  
Common Equity Tier 1 Capital to Risk-Weighted Assets, Actual Capital, Ratio 16.60%  
Common Equity Tier 1 Capital to Risk-Weighted Assets, For Capital Adequacy Purposes, Amount $ 24,754  
Common Equity Tier 1 Capital to Risk-Weighted Assets, For Capital Adequacy Purposes, Ratio 4.50%  
Common Equity Tier 1 Capital to Risk-Weighted Assets, To be Well Capitalized Under Prompt Corrective Action Provisions, Amount $ 35,756  
Common Equity Tier 1 Capital to Risk-Weighted Assets, To be Well Capitalized Under Prompt Corrective Action Provisions, Ratio 6.50%  
Tier I Capital to Average Assets, Actual Capital, Amount $ 93,788 $ 73,282
Tier I Capital to Average Assets, Actual Capital, Ratio 13.30% 11.30%
Tier I Capital to Average Assets, For Capital Adequacy Purposes, Amount $ 26,562 $ 25,915
Tier I Capital to Average Assets, For Capital Adequacy Purposes, Ratio 4.00% 4.00%
Tier I Capital to Average Assets, To be Well Capitalized Under Prompt Corrective Action Provisions, Amount $ 33,202 $ 32,393
Tier I Capital to Average Assets, To be Well Capitalized Under Prompt Corrective Action Provisions, Ratio 5.00% 5.00%
XML 33 R6.htm IDEA: XBRL DOCUMENT v3.3.0.814
CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY (Unaudited) - USD ($)
$ in Thousands
Shares of Common Stock
Preferred Stock
Additional Paid in Capital
Retained Earnings
Accumulated Other Comprehensive Income
Unearned Compensation ESOP
Total
Balance at Dec. 31, 2013 $ 275 $ 51,569 $ 838 $ 69,827
Balance (in shares) at Dec. 31, 2013 275,000 17,145          
Increase (Decrease) in Stockholders' Equity [Roll Forward]              
Net income       3,548 3,548
Net change in other comprehensive income         $ 1,188   1,188
Preferred stock dividends       (129)     (129)
Balance at Sep. 30, 2014 275 54,988 2,026 74,434
Balance (in shares) at Sep. 30, 2014 275,000 17,145          
Balance at Dec. 31, 2014 275 55,959 2,412 75,791
Balance (in shares) at Dec. 31, 2014 275,000 17,145          
Increase (Decrease) in Stockholders' Equity [Roll Forward]              
Net income       2,372     2,372
Net change in other comprehensive income         (696)   (696)
Preferred stock dividends       (129)     $ (129)
Issuance of 5,034,323 shares to the mutual holding company (in shares) 5,034,323           5,034,323
Transfer due to stock offering     (275) 275      
Transfer due to stock offering (in shares) (275,000)            
Issuance of 4,274,425 shares in the initial public offering, net of expenses of $1,547     41,197       $ 41,197
Issuance of 4,274,425 shares in the initial public offering, net of expenses of $1,547 (in shares) 4,274,425           4,274,425
Issuance and contribution of 189,974 shares to the Provident Community Charitable Organization     1,900       $ 1,900
Issuance and contribution of 189,974 shares to the Provident Community Charitable Organization (in shares) 189,974           189,974
Purchase of 357,152 shares of common stock by the ESOP           $ (3,572) $ (3,572)
ESOP shares earned (11,907 shares)     31     120 151
Balance at Sep. 30, 2015 $ 43,128 $ 58,477 $ 1,716 $ (3,452) $ 117,014
Balance (in shares) at Sep. 30, 2015 9,498,722 17,145          
XML 34 R35.htm IDEA: XBRL DOCUMENT v3.3.0.814
Loans (Details 4) - Loans Receivable
$ in Thousands
 9 Months Ended
Sep. 30, 2015
USD ($)
Contract
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Number of Contracts | Contract 8
Pre- Modification Outstanding Recorded Investment $ 2,169
Post-Modification Outstanding Recorded Investment $ 2,169
Commercial  
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Number of Contracts | Contract 4
Pre- Modification Outstanding Recorded Investment $ 1,479
Post-Modification Outstanding Recorded Investment $ 1,479
Residential Real Estate  
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Number of Contracts | Contract 2
Pre- Modification Outstanding Recorded Investment $ 226
Post-Modification Outstanding Recorded Investment $ 226
Commercial real estate  
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Number of Contracts | Contract 2
Pre- Modification Outstanding Recorded Investment $ 464
Post-Modification Outstanding Recorded Investment $ 464
XML 35 R22.htm IDEA: XBRL DOCUMENT v3.3.0.814
Fair Value Measurements (Tables)
 9 Months Ended
Sep. 30, 2015
Fair Value Disclosures [Abstract]  
Schedule of financial instruments measured at fair value on a recurring basis

 

  Fair Value Measurements at Reporting Date Using 
     Quoted Prices in  Significant  Significant 
     Active Markets for  Other Observable  Unobservable 
     Identical Assets  Inputs  Inputs 
(In thousands) Total  Level 1  Level 2  Level 3 
             
September 30, 2015                
U.S. Government and federal agency $2,052  $-  $2,052  $- 
State and municipal  3,688   -   3,688   - 
Corporate debt  1,087   -   1,087   - 
Asset-backed securities  2,334   -   2,334   - 
Mortgage-backed securities  46,529   -   46,529   - 
Trust preferred securities  1,250   -   -   1,250 
Marketable equity securities  10,102   10,102   -   - 
Totals $67,042  $10,102  $55,690  $1,250 
                 
December 31, 2014                
U.S. Government and federal agency $2,084  $-  $2,084  $- 
State and municipal  3,901   -   3,901   - 
Corporate debt  1,114   -   1,114   - 
Asset-backed securities  2,645   -   2,645   - 
Mortgage-backed securities  54,853   -   54,853   - 
Trust preferred securities  1,122   -   -   1,122 
Marketable equity securities  10,313   10,313   -   - 
Totals $76,032  $10,313  $64,597  $1,122 
Schedule of summary of activity for Level 3 financial instruments measured at fair value on a recurring basis

 

(In thousands) Available-for-
Sale Securities		 
    
Balance beginning January 1, 2015 $1,122 
Total gains or (losses) (realized/unrealized)    
Included in earnings  - 
Included in other comprehensive income  262 
Paydowns  (134)
Ending balance, September 30, 2015 $1,250 
     
Balance beginning January 1, 2014 $1,392 
Total gains or (losses) (realized/unrealized)    
Included in earnings  - 
Included in other comprehensive income  941 
Paydowns  (1,093)
Ending balance, September 30, 2014 $1,240 
Schedule of financial instruments measured at fair value on a nonrecurring basis

 

  Fair Value Measurements at Reporting Date Using: 
     Quoted Prices in  Significant  Significant 
     Active Markets for  Other Observable  Unobservable 
     Identical Assets  Inputs  Inputs 
(In thousands) Total  Level 1  Level 2  Level 3 
             
September 30, 2015                
Impaired loans $567  $-  $-  $567 
                 
December 31, 2014                
Impaired loans $253  $-  $-  $253 
Schedule of summary of the valuation methodology and unobservable inputs for Level 3 assets measured at fair value on a nonrecurring basis

 

(In thousands) Fair Value  Valuation Technique Unobservable Input Range
September 30, 2015          
Impaired loans $567  Real estate appraisals Discount for dated appraisals 6-10%
December 31, 2014          
Impaired loans $253  Real estate appraisals Discount for dated appraisals 6-10%
XML 36 R36.htm IDEA: XBRL DOCUMENT v3.3.0.814
Loans (Details 5) - Loans Receivable - USD ($)
$ in Thousands
Sep. 30, 2015
Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans $ 529,819 $ 501,790
Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 408,745 363,825
Special mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 13,915 21,046
Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 10,050 10,862
Not formally rated    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 96,187 106,057
Doubtful    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 922  
Residential real estate    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans $ 95,707 $ 104,568
Residential real estate | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans
Residential real estate | Special mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans
Residential real estate | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans $ 1,596 $ 1,374
Residential real estate | Not formally rated    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans $ 94,111 103,194
Residential real estate | Doubtful    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans  
Commercial real estate    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans $ 268,522 249,691
Commercial real estate | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 257,164 236,689
Commercial real estate | Special mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 6,063 5,336
Commercial real estate | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans $ 5,295 $ 7,666
Commercial real estate | Not formally rated    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans
Commercial real estate | Doubtful    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans  
Construction and land development    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans $ 56,216 $ 47,079
Construction and land development | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 51,096 37,867
Construction and land development | Special mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans $ 5,120 $ 9,212
Construction and land development | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans
Construction and land development | Not formally rated    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans
Construction and land development | Doubtful    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans  
Commercial    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans $ 107,298 $ 97,589
Commercial | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 100,485 89,269
Commercial | Special mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 2,732 6,498
Commercial | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans $ 3,159 $ 1,822
Commercial | Not formally rated    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans
Commercial | Doubtful    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans $ 922  
Consumer    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans $ 2,076 $ 2,863
Consumer | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans
Consumer | Special mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans
Consumer | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans
Consumer | Not formally rated    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans $ 2,076 $ 2,863
Consumer | Doubtful    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans  
XML 37 R24.htm IDEA: XBRL DOCUMENT v3.3.0.814
Regulatory Capital (Table)
 9 Months Ended
Sep. 30, 2015
Regulatory Capital [Abstract]  
Schedule of actual capital amounts and ratios

 

              To Be Well 
              Capitalized Under 
        For Capital  Prompt Corrective 
  Actual  Adequacy Purposes  Action Provisions 
(dollars in thousands) Amount  Ratio  Amount  Ratio  Amount  Ratio 
September 30, 2015                        
Total Capital (to Risk Weighted Assets) $101,655   18.0% $44,008 > 8.0% $55,010 > 10.0%
Tier 1 Capital (to Risk Weighted Assets)  93,788   16.6   33,006 > 6.0   44,008 > 8.0 
Common Equity Tier 1 Capital (to Risk Weighted Assets)  93,788   16.6   24,754 > 4.5   35,756 > 6.5 
Tier 1 Capital (to Average Assets)  93,788   13.3   26,562 > 4.0   33,202 > 5.0 
December 31, 2014                        
Total Capital (to Risk Weighted Assets) $81,229   15.4% $42,273 > 8.0% $52,841 > 10.0%
Tier 1 Capital (to Risk Weighted Assets)  73,282   13.9   21,136 > 4.0   31,705 > 6.0 
Tier 1 Capital (to Average Assets)  73,282   11.3   25,915 > 4.0   32,393 > 5.0 
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CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY (Unaudited) (Parentheticals) - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Statement of Stockholders' Equity [Abstract]    
Issuance of shares to the mutual holding company 5,034,323  
Issuance of shares in the initial public offering 4,274,425  
Issuance of shares in the initial public offering, expenses $ 1,547  
Issuance and contribution of shares to the Provident Community Charitable Organization 189,974  
Purchase of shares of common stock by the ESOP 357,152
ESOP shares earned 11,907
XML 40 R3.htm IDEA: XBRL DOCUMENT v3.3.0.814
CONSOLIDATED BALANCE SHEETS (Parentheticals) - USD ($)
$ in Thousands
Sep. 30, 2015
Dec. 31, 2014
Statement of Financial Position [Abstract]    
Investments in held-to-maturity securities, fair value (in dollars) $ 46,778 $ 47,435
Preferred stock shares authorized 50,000 50,000
Senior non-cumulative perpetual, Series A no par value (in dollars per share) $ 0 $ 0
Senior non-cumulative perpetual, Series A shares issued 17,145 17,145
Senior non-cumulative perpetual, Series A shares outstanding 17,145 17,145
Senior non-cumulative perpetual, Series A liquidation value (in dollars per share) $ 1,000 $ 1,000
Common stock no par value (in dollars per share) $ 0 $ 0
Common stock, shares authorized 30,000,000 275,000
Common stock, shares issued 9,498,722 275,000
Common stock, shares outstanding 9,498,722 275,000
ESOP shares 357,152 0
XML 41 R17.htm IDEA: XBRL DOCUMENT v3.3.0.814
Regulatory Capital
 9 Months Ended
Sep. 30, 2015
Banking and Thrift [Abstract]  
Regulatory Capital
(9)Regulatory Capital

The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.

 

Effective January 1, 2015 (with a phase-in period of two to four years for certain components), the Bank became subject to new capital regulations adopted by the Board of Governors of the Federal Reserve System (“FRB”) and the FDIC, which implement the Basel III regulatory capital reforms and the changes required by the Dodd-Frank Act. The new regulations require a new Common Equity Tier 1 (“CET1”) capital ratio of 4.5%, a minimum Tier 1 capital to risk-weighted assets ratio of 6.0%, a minimum total capital to risk-weighted assets ratio of 8.0% and a minimum Tier 1 leverage ratio of 4.0%. CET1 generally consists of common stock and retained earnings, subject to applicable adjustments and deductions. Under new prompt corrective action regulations, in order to be considered “well capitalized,” the Bank must maintain a CET1 capital ratio of 6.5% and a Tier 1 ratio of 8.0%, a total risk based capital ratio of 10% and a Tier 1 leverage ratio of 5.0%. In addition, the regulations establish a capital conservation buffer above the required capital ratios that phases in beginning January 1, 2016 at 0.625% of risk-weighted assets and increases each year by 0.625% until it is fully phased in at 2.5% effective January 1, 2019. Beginning January 1, 2016, failure to maintain the capital conservation buffer will limit the ability of the Bank and the Company to pay dividends repurchases shares or pay discretionary bonuses.

 

The new regulations implemented changes to what constitutes regulatory capital. Certain instruments no longer constitute qualifying capital, subject to phase-out periods. In addition, Tier 2 capital is no longer limited to the amount of Tier 1 capital included in total capital. Mortgage servicing rights, certain deferred tax assets and investments in unconsolidated subsidiaries over designated percentages of CET1 must be deducted from capital. The Bank has elected to permanently opt-out of the inclusion of accumulated other comprehensive income in capital calculations, as permitted by the regulations. This opt-out will reduce the impact of market volatility on the Bank’s regulatory capital ratios.

 

The new regulations also changed the risk weights of certain assets, including an increase in the risk weight of certain high volatility commercial real estate acquisition, development and construction loans and non-residential mortgage loans that are 90 days past due or on non-accrual status to 150% from 100%, a credit conversion factor for the unused portion of commitments with maturities of less than one year that are not cancellable to 20% from 0%, an increase in the risk weight for mortgage servicing rights and deferred tax assets that are not deducted from capital to 250% from 100%, and an increase in the risk weight for equity exposures to 600% from 0%.

 

As of September 30, 2015 and December 31, 2014, the most recent notification from the FDIC categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since that notification that management believes have changed the institution’s category. The completion of the stock offering has significantly enhanced the Bank’s Regulatory Capital.

 

The Bank’s actual capital amounts and ratios are presented in the following table.

 

              To Be Well 
              Capitalized Under 
        For Capital  Prompt Corrective 
  Actual  Adequacy Purposes  Action Provisions 
(dollars in thousands) Amount  Ratio  Amount  Ratio  Amount  Ratio 
September 30, 2015                        
Total Capital (to Risk Weighted Assets) $101,655   18.0% $44,008 > 8.0% $55,010 > 10.0%
Tier 1 Capital (to Risk Weighted Assets)  93,788   16.6   33,006 > 6.0   44,008 > 8.0 
Common Equity Tier 1 Capital (to Risk Weighted Assets)  93,788   16.6   24,754 > 4.5   35,756 > 6.5 
Tier 1 Capital (to Average Assets)  93,788   13.3   26,562 > 4.0   33,202 > 5.0 
December 31, 2014                        
Total Capital (to Risk Weighted Assets) $81,229   15.4% $42,273 > 8.0% $52,841 > 10.0%
Tier 1 Capital (to Risk Weighted Assets)  73,282   13.9   21,136 > 4.0   31,705 > 6.0 
Tier 1 Capital (to Average Assets)  73,282   11.3   25,915 > 4.0   32,393 > 5.0 
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Document and Entity Information - shares
 9 Months Ended
Sep. 30, 2015
Nov. 06, 2015
Document And Entity Information [Abstract]    
Entity Registrant Name Provident Bancorp, Inc.  
Entity Central Index Key 0001635840  
Trading Symbol pvbc  
Current Fiscal Year End Date --12-31  
Entity Filer Category Smaller Reporting Company  
Entity Common Stock, Shares Outstanding   9,498,722
Document Type 10-Q  
Document Period End Date Sep. 30, 2015  
Amendment Flag false  
Document Fiscal Year Focus 2015  
Document Fiscal Period Focus Q3  

XML 44 R18.htm IDEA: XBRL DOCUMENT v3.3.0.814
Employee Stock Ownership Plan
 9 Months Ended
Sep. 30, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]  
Employee Stock Ownership Plan
(10)Employee Stock Ownership Plan

As part of the IPO, the Company established an Employee Stock Ownership Plan (“ESOP”) to provide eligible employees the opportunity to own Company stock. This plan is a tax-qualified retirement plan for the benefit of Company employees. Contributions are allocated to eligible participants on the basis of compensation, subject to federal tax limits. The number of shares committed to be released per year through 2029 is 23,810.

 

  September 30, 2015 
Shares held by the ESOP include the following:    
Allocated  - 
Committed to be allocated  11,907 
Unallocated  345,245 
Total  357,152 

 

The fair value of unallocated shares was approximately $4.3 million at September 30, 2015.

 

Total compensation expense recognized in connection with the ESOP for the three and nine months ended September 30, 2015 was $151,000.
XML 45 R4.htm IDEA: XBRL DOCUMENT v3.3.0.814
CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Sep. 30, 2015
Sep. 30, 2014
Interest and dividend income:        
Interest and fees on loans $ 5,634 $ 5,051 $ 16,294 $ 14,625
Interest and dividends on securities 798 827 2,453 2,571
Interest on interest-bearing deposits 16 1 27 4
Total interest and dividend income 6,448 5,879 18,774 17,200
Interest expense:        
Interest on deposits 410 437 1,227 1,307
Interest on Federal Home Loan Bank advances 157 141 437 427
Total interest expense 567 578 1,664 1,734
Net interest and dividend income 5,881 5,301 17,110 15,466
Provision for loan losses 174 187 645 921
Net interest and dividend income after provision for loan losses 5,707 5,114 16,465 14,545
Noninterest income:        
Service charges on deposit accounts 105 40 188 121
Service charges and fees - other 468 460 1,289 1,331
Gain on sales, calls and donated securities, net 215   317 424
Other income 372 418 1,049 1,082
Total noninterest income 1,160 918 2,843 2,958
Noninterest expense:        
Salaries and employee benefits 3,016 2,663 8,681 7,678
Occupancy expense 383 336 1,170 1,001
Equipment expense 132 122 400 458
FDIC assessment 93 86 283 256
Data processing 142 146 415 394
Marketing expense 18 8 144 130
Professional fees 217 151 662 469
Charitable Foundation expense 2,150   2,150  
Other 719 713 2,310 2,511
Total noninterest expense 6,870 4,225 16,215 12,897
(Loss) income before income tax (benefit) expense (3) 1,807 3,093 4,606
Income tax (benefit) expense (133) 556 721 1,058
Net income $ 130 $ 1,251 $ 2,372 $ 3,548
Income (loss) per share:        
Basic (in dollars per share)
Diluted (in dollars per share)
Weighted Average Shares:        
Basic (in shares)
Diluted (in shares)
XML 46 R12.htm IDEA: XBRL DOCUMENT v3.3.0.814
Investment Securities
 9 Months Ended
Sep. 30, 2015
Investments, Debt and Equity Securities [Abstract]  
Investment Securities
(4) Investment Securities

The following summarizes the amortized cost of investment securities classified as available-for-sale and their approximate fair values at September 30, 2015 and December 31, 2014:

 

    Amortized     Gross     Gross        
    Cost     Unrealized     Unrealized     Fair  
(In thousands)   Basis     Gains     Losses     Value  
       
September 30, 2015                                
U.S. Government and federal agency   $ 1,995     $ 57     $ -     $ 2,052  
State and municipal     3,374       314       -       3,688  
Corporate debt     1,000       87       -       1,087  
Asset-backed securities     2,366       -       32       2,334  
Government mortgage-backed securities     45,800       888       159       46,529  
Trust preferred securities     1,368       58       176       1,250  
Marketable equity securities     8,558       2,112       352       10,318  
      64,461       3,516       719       67,258  
Money market mutual funds included in cash and cash equivalents     (216 )     -       -       (216 )
Total available-for-sale securities   $ 64,245     $ 3,516     $ 719     $ 67,042  
                                 
December 31, 2014                                
U.S. Government and federal agency   $ 1,992     $ 92     $ -     $ 2,084  
State and municipal     3,479       422       -       3,901  
Corporate debt     1,000       114       -       1,114  
Asset-backed securities     2,732       -       87       2,645  
Government mortgage-backed securities     54,063       989       199       54,853  
Trust preferred securities     1,502       -       380       1,122  
Marketable equity securities     8,063       3,048       84       11,027  
      72,831       4,665       750       76,746  
Money market mutual funds included in cash and cash equivalents     (714 )     -       -       (714 )
Total available-for-sale securities   $ 72,117     $ 4,665     $ 750     $ 76,032  

 

The following summarizes the amortized cost of investment securities classified as held-to-maturity and their approximate fair values at September 30, 2015 and December 31, 2014:

 

    Amortized     Gross     Gross        
    Cost     Unrealized     Unrealized     Fair  
(In thousands)   Basis     Gains     Losses     Value  
                         
September 30, 2015                        
State and municipal   $ 45,194     $ 1,650     $ 66     $ 46,778  
                                 
December 31, 2014                                
State and municipal   $ 45,559     $ 1,940     $ 64     $ 47,435  

 

The scheduled maturities of debt securities were as follows at September 30, 2015:

 

    Available-for-
Sale		     Held-to-Maturity  
    Fair     Amortized     Fair  
(In thousands)   Value     Cost Basis     Value  
                   
Due within one year   $ 2,185     $ 90     $ 90  
Due after one year through five years     1,364       2,650       2,728  
Due after five years through ten years     619       5,701       5,852  
Due after ten years     3,909       36,753       38,108  
Government mortgage-backed securities     46,529       -       -  
Asset-backed securities     2,334       -       -  
    $ 56,940     $ 45,194     $ 46,778  

 

The aggregate fair value and unrealized losses of securities that have been in a continuous unrealized-loss position for less than twelve months and for twelve months or more, and are temporarily impaired, are as follows at September 30, 2015 and December 31, 2014:

 

    Less than 12 Months     12 Months or Longer     Total  
    Fair     Unrealized     Fair     Unrealized     Fair     Unrealized  
(In thousands)   Value     Losses     Value     Losses     Value     Losses  
                                     
September 30, 2015                                                
Temporarily impaired securities:                                                
State and municipal   $ 4,670     $ 33     $ 1,457     $ 33     $ 6,127     $ 66  
Asset-backed securities     -       -       2,010       32       2,010       32  
Government mortgage-backed securities     1,343       3       9,629       156       10,972       159  
Trust preferred securities     -       -       1,149       176       1,149       176  
Marketable equity securities     1,842       200       452       152       2,294       352  
Total temporarily impaired securities   $ 7,855     $ 236     $ 14,697     $ 549     $ 22,552     $ 785  
                                                 
December 31, 2014                                                
Temporarily impaired securities:                                                
State and municipal   $ -     $ -     $ 5,847     $ 64     $ 5,847     $ 64  
Asset-backed securities     -       -       2,645       87       2,645       87  
Government mortgage-backed securities     2,472       4       12,518       195       14,990       199  
Trust preferred securities     26       36       1,096       344       1,122       380  
Marketable equity securities     683       80       115       4       798       84  
Total temporarily impaired securities   $ 3,181     $ 120     $ 22,221     $ 694     $ 25,402     $ 814  

 

Government mortgage-backed securities, state and municipal securities and asset-backed securities: Because the decline in fair value of the government mortgage-backed securities, asset backed securities and state and municipal securities is primarily attributable to changes in interest rates and not credit quality, and because the Company has the intent and ability to hold these investments until market price recovery or maturity, these investments are not considered other-than-temporarily impaired.

 

Marketable equity securities: Management continuously monitors equity securities for impairment by reviewing the financial condition of the issuer, company-specific events, industry developments, and general economic conditions. Management reviews corporate financial reports, credit agency reports and other publicly available information. Based on these reviews, these securities are not considered to be other-than-temporarily impaired.

 

Trust preferred securities: Management monitors its pooled-trust preferred securities for possible other-than-temporary-impairment on a quarterly basis. This review included an analysis of collateral reports, cash flows, stress default levels and financial ratios of the underlying issuers. Management utilizes a third party to compile this data and perform other-than-temporary-impairment cash flow testing. Critical assumptions that go into the other-than-temporary-impairment cash flow testing are prepayment speeds, default rates of the underlying issuers and discount margins. The result of the third-party other-than-temporary-impairment cash flow testing indicated no other-than-temporary-impairment as of September 30, 2015.
XML 47 R11.htm IDEA: XBRL DOCUMENT v3.3.0.814
Recent Accounting Pronouncements
 9 Months Ended
Sep. 30, 2015
New Accounting Pronouncements and Changes in Accounting Principles [Abstract]  
Recent Accounting Pronouncements
(3)Recent Accounting Pronouncements

ASU No. 2014-01 — Investments — Equity Method and Joint Ventures (Topic 323) — "Accounting for Investments in Qualified Affordable Housing Projects (a consensus of the Financial Accounting Standards Board (FASB) Emerging Issues Task Force)”. The ASU permits an entity to make an accounting policy election to account for its investment in qualified affordable housing projects using the proportional amortization method if certain conditions are met. Under the proportionate amortization method, an entity amortizes the initial cost of the investment in proportion to the tax credits and other tax benefits received and recognize the net investment performance in the income statement as a component of income tax expense (benefit). The decision to apply the proportionate amortization method of accounting should be applied consistently to all qualifying affordable housing project investments. A reporting entity that uses the effective yield or other method to account for its investments in qualified affordable housing projects before the date of adoption may continue to apply such method to those preexisting investments. The amendments were effective for the Company on January 1, 2015. The application of this guidance did not have a material impact on the Company's financial statements.

 

ASU No. 2014-04, Receivables — Troubled Debt Restructurings by Creditors (Subtopic 310-40) — "Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure (a consensus of the FASB Emerging Issues Task Force)”. The ASU clarifies that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (i) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (ii) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar agreement. In addition, the amendments require disclosure of both the amount of foreclosed residential real estate property held by the creditor and the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure in accordance with local requirements of the applicable jurisdiction. An entity can elect to adopt the amendments using either a modified retrospective method or a prospective transition method. The amendments were effective for the Company on January 1, 2015. The application of this guidance did not have a material impact on the Company's financial statements.

 

ASU No. 2014-14, Receivables — Troubled Debt Restructurings by Creditors (Subtopic 310-40) — "Classification of Certain Government-Guaranteed Residential Mortgage Loans upon Foreclosure (a consensus of the FASB Emerging Issues Task Force)”. The ASU has been issued to reduce diversity in practice in the classification of foreclosed residential mortgage loans held by creditors that are fully guaranteed under certain government programs, including the Federal Housing Administration guarantees. A residential mortgage loan would be derecognized and a separate other receivable would be recognized upon foreclosure if the loan has both of the following characteristics: (i) the loan has a government guarantee that is not separable from the loan before foreclosure entitling the creditor to the full unpaid principal balance of the loan; and (ii) at the time of foreclosure, the creditor has the intent to make a claim on the guarantee and the ability to recover the full unpaid principal balance of the loan through the guarantee. Notably, upon foreclosure, the separate other receivable would be measured based on the current amount of the loan balance expected to be recovered under the guarantee. The amendments are effective for the Company beginning on January 1, 2016. The Company does not expect the application of this guidance to have a material impact on the Company's financial statements.

 

ASU No. 2015-02, “Consolidation (Topic 810): Amendments to the Consolidation Analysis.” The amendments in this ASU affect reporting entities that are required to evaluate whether they should consolidate certain legal entities. Specifically, the amendments: (1) Modify the evaluation of whether limited partnerships and similar legal entities are variable interest entities (“VIEs”) or voting interest entities; (2) Eliminate the presumption that a general partner should consolidate a limited partnership; (3) Affect the consolidation analysis of reporting entities that are involved with VIEs, particularly those that have fee arrangements and related party relationships; and (4) Provide a scope exception from consolidation guidance for reporting entities with interests in legal entities that are required to comply with or operate in accordance with requirements that are similar to those in Rule 2a-7 of the Investment Company Act of 1940 for registered money market funds. ASU 2015-02 is effective for interim and annual reporting periods beginning after December 15, 2015. The Company anticipates that the adoption of this ASU will not have a material impact on its consolidated financial statements.

 

ASU No. 2015-03, “Interest — Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs”. The amendments in this ASU require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this ASU. The standard is effective for interim and annual reporting periods beginning after December 15, 2015, with early adoption permitted. The guidance should be applied on a retrospective basis. The Company anticipates that the adoption of this ASU will not have a material impact on its consolidated financial statements.

 

ASU No. 2015-05, “Intangibles — Goodwill and Other — Internal-Use Software (Subtopic 350-40): Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement”. This ASU provides guidance to customers about whether a cloud computing arrangement includes a software license. If a cloud computing arrangement includes a software license, the customer should account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, the customer should account for the arrangement as a service contract. The new guidance does not change the accounting for a customer’s accounting for service contracts. ASU 2015-05 is effective for interim and annual reporting periods beginning after December 15, 2015. The Company anticipates that the adoption of this ASU will not have a material impact on its consolidated financial statements.

 

ASU No. 2015-16, Business Combinations (Topic 805) — “Simplifying the Accounting for Measurement-Period Adjustments”. This ASU requires that an acquirer recognize adjustments to provisional amounts that are identified during the measurement period in the reporting period in which the adjustment amounts are determined, including the cumulative effect of the change in provisional amount as if the accounting had been completed at the acquisition date. The adjustments related to previous reporting periods since the acquisition date must be disclosed by income statement line item either on the face of the income statement or in the notes. For public business entities, the amendments are effective for fiscal years beginning after December 15, 2015, including interim periods within those fiscal years. For all other entities, the amendments in this update are effective for fiscal years beginning after December 15, 2016, and interim periods within fiscal years beginning after December 15, 2017. The amendments should be applied prospectively to adjustments to provisional amounts that occur after the effective date with earlier application permitted for financial statements that have not been issued. The Company does not expect the application of this guidance to have a material impact on the Company's financial statements.
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Fair Value of Financial Instruments (Tables)
 9 Months Ended
Sep. 30, 2015
Fair Value Of Financial Instrument [Abstract]  
Schedule of carrying amounts and estimated fair values of financial instruments, held or issued for purposes other than trading

 

  Carrying  Fair Value 
(In thousands) Amount  Level 1  Level 2  Level 3  Total 
                
September 30, 2015                    
Financial assets:                    
Cash and cash equivalents $26,357  $26,357  $-  $-  $26,357 
Available-for-sale securities  67,042   10,102   55,690   1,250   67,042 
Held-to-maturity securities  45,194   -   46,778   -   46,778 
Federal Home Loan Bank of Boston stock  3,642   3,642   -   -   3,642 
Loans, net  521,785   -   -   530,418   530,418 
Accrued interest receivable  2,001   -   2,001   -   2,001 
Financial liabilities:                    
Deposits  558,099   -   -   558,332   558,332 
Federal Home Loan Bank advances  17,412   -   17,886   -   17,886 
                     
December 31, 2014                    
Financial assets:                    
Cash and cash equivalents $9,558  $9,558  $-  $-  $9,558 
Available-for-sale securities  76,032   10,313   64,597   1,122   76,032 
Held-to-maturity securities  45,559   -   47,435   -   47,435 
Federal Home Loan Bank of Boston stock  3,642   3,642   -   -   3,642 
Loans, net  494,183   -   -   501,049   501,049 
Accrued interest receivable  2,056   -   2,056   -   2,056 
Financial liabilities:                    
Deposits  536,934   -   -   537,281   537,281 
Federal Home Loan Bank advances  39,237   -   40,020   -   40,020 
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Investment Securities (Tables)
 9 Months Ended
Sep. 30, 2015
Investments, Debt and Equity Securities [Abstract]  
Schedule of amortized cost of investment securities classified as available-for-sale and their approximate fair values
    Amortized     Gross     Gross        
    Cost     Unrealized     Unrealized     Fair  
(In thousands)   Basis     Gains     Losses     Value  
       
September 30, 2015                                
U.S. Government and federal agency   $ 1,995     $ 57     $ -     $ 2,052  
State and municipal     3,374       314       -       3,688  
Corporate debt     1,000       87       -       1,087  
Asset-backed securities     2,366       -       32       2,334  
Government mortgage-backed securities     45,800       888       159       46,529  
Trust preferred securities     1,368       58       176       1,250  
Marketable equity securities     8,558       2,112       352       10,318  
      64,461       3,516       719       67,258  
Money market mutual funds included in cash and cash equivalents     (216 )     -       -       (216 )
Total available-for-sale securities   $ 64,245     $ 3,516     $ 719     $ 67,042  
                                 
December 31, 2014                                
U.S. Government and federal agency   $ 1,992     $ 92     $ -     $ 2,084  
State and municipal     3,479       422       -       3,901  
Corporate debt     1,000       114       -       1,114  
Asset-backed securities     2,732       -       87       2,645  
Government mortgage-backed securities     54,063       989       199       54,853  
Trust preferred securities     1,502       -       380       1,122  
Marketable equity securities     8,063       3,048       84       11,027  
      72,831       4,665       750       76,746  
Money market mutual funds included in cash and cash equivalents     (714 )     -       -       (714 )
Total available-for-sale securities   $ 72,117     $ 4,665     $ 750     $ 76,032  
Schedule of amortized cost of investment securities classified as held-to-maturity and their approximate fair values

 

  Amortized  Gross  Gross    
  Cost  Unrealized  Unrealized  Fair 
(In thousands) Basis  Gains  Losses  Value 
             
September 30, 2015            
State and municipal $45,194  $1,650  $66  $46,778 
                 
December 31, 2014                
State and municipal $45,559  $1,940  $64  $47,435 
Schedule of maturities of debt securities

 

  Available-for-
Sale		  Held-to-Maturity 
  Fair  Amortized  Fair 
(In thousands) Value  Cost Basis  Value 
          
Due within one year $2,185  $90  $90 
Due after one year through five years  1,364   2,650   2,728 
Due after five years through ten years  619   5,701   5,852 
Due after ten years  3,909   36,753   38,108 
Government mortgage-backed securities  46,529   -   - 
Asset-backed securities  2,334   -   - 
  $56,940  $45,194  $46,778 
Schedule of aggregate fair value and unrealized losses of securities that have been in a continuous unrealized-loss position

 

  Less than 12 Months  12 Months or Longer  Total 
  Fair  Unrealized  Fair  Unrealized  Fair  Unrealized 
(In thousands) Value  Losses  Value  Losses  Value  Losses 
                   
September 30, 2015                        
Temporarily impaired securities:                        
State and municipal $4,670  $33  $1,457  $33  $6,127  $66 
Asset-backed securities  -   -   2,010   32   2,010   32 
Government mortgage-backed securities  1,343   3   9,629   156   10,972   159 
Trust preferred securities  -   -   1,149   176   1,149   176 
Marketable equity securities  1,842   200   452   152   2,294   352 
Total temporarily impaired securities $7,855  $236  $14,697  $549  $22,552  $785 
                         
December 31, 2014                        
Temporarily impaired securities:                        
State and municipal $-  $-  $5,847  $64  $5,847  $64 
Asset-backed securities  -   -   2,645   87   2,645   87 
Government mortgage-backed securities  2,472   4   12,518   195   14,990   199 
Trust preferred securities  26   36   1,096   344   1,122   380 
Marketable equity securities  683   80   115   4   798   84 
Total temporarily impaired securities $3,181  $120  $22,221  $694  $25,402  $814 
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Fair Value Measurements
 9 Months Ended
Sep. 30, 2015
Fair Value Disclosures [Abstract]  
Fair Value Measurements
(7)Fair Value Measurements

The Company reports certain assets at fair value in accordance with GAAP, which defines fair value and establishes a framework for measuring fair value in accordance with generally accepted accounting principles. Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. The guidance establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes six levels of inputs that may be used to measure fair values:

 

Basis of Fair Value Measurements

·Level 1 - Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities;
·Level 2 - Quoted prices in markets that are not active, or inputs that are observable either directly or indirectly, for substantially the full term of the asset or liability;
·Level 3 - Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported by little or no market activity).

 

A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.

 

Fair Values of Financial Instruments Measured on a Recurring Basis

The Company’s investments in U.S. Government and federal agency, state and municipal, corporate debt, asset-backed and government mortgage-backed securities available-for-sale is generally classified within Level 2 of the fair value hierarchy. For these investments, we obtain fair value measurements from independent pricing services. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, trading levels, market consensus prepayment speeds, credit information and the instrument’s terms and conditions.

 

The Company classifies its investments in trust preferred securities as Level 3 securities. Level 3 is for positions that are not traded in active markets or are subject to transfer restrictions, valuations are adjusted to reflect illiquidity and/or non-transferability, and such adjustments are generally based on available market evidence. In the absence of such evidence, management’s best estimate is used. Subsequent to inception, management only changes Level 3 inputs and assumptions when corroborated by evidence such as transactions in similar instruments, completed or pending third-party transactions in the underlying investment or comparable entities, subsequent rounds of financing, recapitalization and other transactions across the capital structure, offerings in the equity or debt markets, and changes in financial ratios or cash flows.

 

The Company classified its investments in marketable equity securities as Level 1 securities. Such securities are classified as Level 1 securities because fair values are obtained through quoted market prices for identical securities in active exchange markets.

 

The following summarizes financial instruments measured at fair value on a recurring basis at September 30, 2015 and December 31, 2014:

 

  Fair Value Measurements at Reporting Date Using 
     Quoted Prices in  Significant  Significant 
     Active Markets for  Other Observable  Unobservable 
     Identical Assets  Inputs  Inputs 
(In thousands) Total  Level 1  Level 2  Level 3 
             
September 30, 2015                
U.S. Government and federal agency $2,052  $-  $2,052  $- 
State and municipal  3,688   -   3,688   - 
Corporate debt  1,087   -   1,087   - 
Asset-backed securities  2,334   -   2,334   - 
Mortgage-backed securities  46,529   -   46,529   - 
Trust preferred securities  1,250   -   -   1,250 
Marketable equity securities  10,102   10,102   -   - 
Totals $67,042  $10,102  $55,690  $1,250 
                 
December 31, 2014                
U.S. Government and federal agency $2,084  $-  $2,084  $- 
State and municipal  3,901   -   3,901   - 
Corporate debt  1,114   -   1,114   - 
Asset-backed securities  2,645   -   2,645   - 
Mortgage-backed securities  54,853   -   54,853   - 
Trust preferred securities  1,122   -   -   1,122 
Marketable equity securities  10,313   10,313   -   - 
Totals $76,032  $10,313  $64,597  $1,122 

 

The following is a summary of activity for Level 3 financial instruments measured at fair value on a recurring basis for the nine months periods ended September 30, 2015 and 2014.

 

(In thousands) Available-for-
Sale Securities		 
    
Balance beginning January 1, 2015 $1,122 
Total gains or (losses) (realized/unrealized)    
Included in earnings  - 
Included in other comprehensive income  262 
Paydowns  (134)
Ending balance, September 30, 2015 $1,250 
     
Balance beginning January 1, 2014 $1,392 
Total gains or (losses) (realized/unrealized)    
Included in earnings  - 
Included in other comprehensive income  941 
Paydowns  (1,093)
Ending balance, September 30, 2014 $1,240 

 

Fair Values of Financial Instruments Measured on a Nonrecurring Basis

 

The Company’s impaired loans are reported at the fair value of the underlying collateral if repayment is expected solely from the collateral. Collateral values are estimated using Level 2 inputs based upon appraisals of similar properties obtained from a third party. However, the Company generally discounts appraisals to arrive at fair value, therefore classifies such loans as Level 3 because the discounts are a significant input that is not observable.

 

The following summarizes financial instruments measured at fair value on a nonrecurring basis at September 30, 2015 and December 31, 2014:

 

  Fair Value Measurements at Reporting Date Using: 
     Quoted Prices in  Significant  Significant 
     Active Markets for  Other Observable  Unobservable 
     Identical Assets  Inputs  Inputs 
(In thousands) Total  Level 1  Level 2  Level 3 
             
September 30, 2015                
Impaired loans $567  $-  $-  $567 
                 
December 31, 2014                
Impaired loans $253  $-  $-  $253 

 

The following is a summary of the valuation methodology and unobservable inputs for Level 3 assets measured at fair value on a nonrecurring basis at September 30, 2015 and December 31, 2014:

 

(In thousands) Fair Value  Valuation Technique Unobservable Input Range
September 30, 2015          
Impaired loans $567  Real estate appraisals Discount for dated appraisals 6-10%
December 31, 2014          
Impaired loans $253  Real estate appraisals Discount for dated appraisals 6-10%
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Loans
 9 Months Ended
Sep. 30, 2015
Receivables [Abstract]  
Loans

(5) Loans

A summary of loans is as follows:

 

    At     At  
    September 30,     December 31,  
    2015     2014  
(In thousands)   Amount     Percent     Amount     Percent  
Commercial real estate   $ 268,522       50.69 %   $ 249,691       49.76 %
Commercial     107,298       20.25 %     97,589       19.45 %
Residential real estate     95,707       18.06 %     104,568       20.84 %
Construction and land development     56,216       10.61 %     47,079       9.38 %
Consumer     2,076       0.39 %     2,863       0.57 %
      529,819       100.00 %     501,790       100.00 %
Allowance for loan losses     (7,744 )             (7,224 )        
Deferred loan fees, net     (290 )             (383 )        
Net loans   $ 521,785             $ 494,183          

 

The following tables set forth information regarding the activity in the allowance for loan losses by portfolio segment for the three and nine months ended September 30, 2015 and 2014:

 

    For the three months ended September 30,  
          Construction                                
    Commercial     and Land     Residential                          
(In thousands)   Real Estate     Development     Real Estate     Commercial     Consumer     Unallocated     Total  
Allowance for loan losses:                                                        
                                                         
Balance at June 30, 2015   $ 3,510     $ 921     $ 541     $ 2,108     $ 159     $ 330     $ 7,569  
Charge-offs     -       -       -       8       (16 )     -       (8 )
Recoveries     -       -       -       8       1       -       9  
Provision (benefit)     83       175       (106 )     18       (4 )     8       174  
Balance at September 30, 2015   $ 3,593     $ 1,096     $ 435     $ 2,142     $ 140     $ 338     $ 7,744  
                                                         
Balance at June 30, 2014   $ 3,408     $ 483     $ 712     $ 1,555     $ 157     $ 252     $ 6,567  
Charge-offs     -       -       (30 )     -       (16 )     -       (46 )
Recoveries     -       -       -       1       3       -       4  
Provision (benefit)     237       90       (18 )     (15 )     25       (132 )     187  
Balance at September 30, 2014   $ 3,645     $ 573     $ 664     $ 1,541     $ 169     $ 120     $ 6,712  

 

    For the nine months ended September 30,  
          Construction                                
    Commercial     and Land     Residential                          
(In thousands)   Real Estate     Development     Real Estate     Commercial     Consumer     Unallocated     Total  
Allowance for loan losses:                                                        
                                                         
Balance at December 31, 2014   $ 3,500     $ 872     $ 560     $ 1,751     $ 184     $ 357     $ 7,224  
Charge-offs     -       -       -       (96 )     (49 )     -       (145 )
Recoveries     -       -       6       9       5       -       20  
Provision (benefit)     93       224       (131 )     478               (19 )     645  
Balance at September 30, 2015   $ 3,593     $ 1,096     $ 435     $ 2,142     $ 140     $ 338     $ 7,744  
                                                         
Balance at December 31, 2013   $ 3,207     $ 363     $ 725     $ 1,331     $ 206     $ 245     $ 6,077  
Charge-offs     (243 )     -       (30 )     -       (63 )     -       (336 )
Recoveries     20       2       24       -       4       -       50  
Provision (benefit)     661       208       (55 )     210     22       (125 )     921  
Balance at September 30, 2014   $ 3,645     $ 573     $ 664     $ 1,541     $ 169     $ 120     $ 6,712  

 

The following table sets forth information regarding the allowance for loan losses and related loan balances by segment at September 30, 2015 and December 31, 2014:

 

          Construction                                
    Commercial     and Land     Residential                          
(In thousands)   Real Estate     Development     Real Estate     Commercial     Consumer     Unallocated     Total  
September 30, 2015                                                        
Ending balance:                                                        
Individually evaluated for impairment   $ -     $ -     $ -     $ 494     $ -     $ -     $ 494  
Ending balance:                                                        
Collectively evaluated for impairment     3,593       1,096       435       1,648       140       338       7,250  
Total allowance for loan losses ending balance   $ 3,593     $ 1,096     $ 435     $ 2,142     $ 140     $ 338     $ 7,744  
                                                         
Loans:                                                        
Ending balance:                                                        
Individually evaluated for impairment   $ 3,531     $ -     $ 440     $ 1,772     $ -     $ -     $ 5,743  
Ending balance:                                                        
Collectively evaluated for impairment     264,991     56,216       95,267       105,526       2,076       -       524,076  
Total loans ending balance   $ 268,522     $ 56,216     $ 95,707     $ 107,298     $ 2,076     $ -     $ 529,819  
                                                         
December 31, 2014                                                        
Ending balance:                                                        
Individually evaluated for impairment   $ -     $ -     $ -     $ 62     $ -     $ -     $ 62  
Ending balance:                                                        
Collectively evaluated for impairment     3,500       872       560       1,689       184       357       7,162  
Total allowance for loan losses ending balance   $ 3,500     $ 872     $ 560     $ 1,751     $ 184     $ 357     $ 7,224  
                                                         
Loans:                                                        
Ending balance:                                                        
Individually evaluated for impairment   $ 4,276     $ -     $ 221     $ 821     $ -     $ -     $ 5,318  
Ending balance:                                                        
Collectively evaluated for impairment     245,415       47,079       104,347       96,768       2,863       -       496,472  
Total loans ending balance   $ 249,691     $ 47,079     $ 104,568     $ 97,589     $ 2,863     $ -     $ 501,790  

 

The following tables set forth information regarding non-accrual loans and loan delinquencies by portfolio segment at September 30, 2015 and December 31, 2014:

 

                                        90 Days        
                90 Days     Total                 or More        
    30 - 59     60 - 89     or More     Past     Total     Total     Past Due     Non-accrual  
(In thousands)   Days     Days     Past Due     Due     Current     Loans     and Accruing     Loans  
                                                 
September 30, 2015                                                                
Residential real estate   $ -     $ 243     $ -     $ 243     $ 95,464     $ 95,707     $ -     $ 1,301  
Commercial real estate     -       -       102       102       268,420       268,522       -       598  
Construction and land development     -       -       -       -       56,216       56,216       -       -  
Commercial     186       -       176       362       106,936       107,298       -       1,199  
Consumer     -       13       -       13       2,063       2,076       -       -  
Total   $ 186     $ 256     $ 278     $ 720     $ 529,099     $ 529,819     $ -     $ 3,098  
                                                                 
December 31, 2014                                                                
Residential real estate   $ -     $ 404     $ 423     $ 827     $ 103,741     $ 104,568     $ -     $ 1,564  
Commercial real estate     110       132       363       605       249,086       249,691       -       3,002  
Construction and land development     -       -       -       -       47,079       47,079       -       -  
Commercial     149       108       350       607       96,982       97,589       -       516  
Consumer     9       -       -       9       2,854       2,863       -       -  
Total   $ 268     $ 644     $ 1,136     $ 2,048     $ 499,742     $ 501,790     $ -     $ 5,082  

 

Information about the Company’s impaired loans by portfolio segment was as follows at September 30, 2015 and December 31, 2014:

 

          Unpaid           Average     Interest  
    Recorded     Principal     Related     Recorded     Income  
(In thousands)   Investment     Balance     Allowance     Investment     Recognized  
                               
September 30, 2015                                        
With no related allowance recorded:                                        
Residential real estate   $ 440     $ 440     $ -     $ 295     $ 18  
Commercial real estate     3,531       3,531       -       3,916       87  
Construction and land development     -       -       -       -       -  
Commercial     711       711       -       599       17  
Consumer     -       -       -       -       -  
Total impaired with no related allowance     4,682       4,682       -       4,810       122  
                                         
With an allowance recorded:                                        
Residential real estate     -       -       -       -       -  
Commercial real estate     -       -       -       -       -  
Construction and land development     -       -       -       -       -  
Commercial     1,061       1,098       494       853       -  
Consumer     -       -       -       -       -  
Total impaired with an allowance recorded     1,061       1,098       494       853       -  
                                         
Total                                        
Residential real estate     440       440       -       295       18  
Commercial real estate     3,531       3,531       -       3,916       87  
Construction and land development     -       -       -       -       -  
Commercial     1,772       1,809       494       1,452       17  
Consumer     -       -       -       -       -  
Total impaired loans   $ 5,743     $ 5,780     $ 494     $ 5,663     $ 122  
                                         
                                         
December 31, 2014                                        
With no related allowance recorded:                                        
Residential real estate   $ 221     $ 221     $ -     $ 368     $ 24  
Commercial real estate     4,276       4,276       -       3,070       161  
Construction and land development     -       -       -       -       -  
Commercial     506       506       -       370       20  
Consumer     -       -       -       -       -  
Total impaired with no related allowance     5,003       5,003       -       3,808       205  
                                         
With an allowance recorded:                                        
Residential real estate     -     -     -     -     -  
Commercial real estate     -       -       -       279       -  
Construction and land development     -       -       -       -       -  
Commercial     315       318       62       328       12  
Consumer     -       -       -       -       -  
Total impaired with an allowance recorded     315       318       62       607       12  
                                         
Total                                        
Residential real estate     221       221       -       368       24  
Commercial real estate     4,276       4,276       -       3,349       161  
Construction and land development     -       -       -       -       -  
Commercial     821       824       62       698       32  
Consumer     -       -       -       -       -  
Total impaired loans   $ 5,318     $ 5,321     $ 62     $ 4,415     $ 217  

 

The following summarizes troubled debt restructurings entered into during the nine months ended September 30, 2015:

 

(Dollars in thousands)   Number
of
Contracts		     Pre-
Modification
Outstanding
Recorded
Investment		     Post-
Modification
Outstanding
Recorded
Investment		  
                   
September 30, 2015                        
Troubled debt restructurings:                        
Commercial     4     $ 1,479     $ 1,479  
Residential real estate     2       226       226  
Commercial real estate     2       464       464  
      8     $ 2,169     $ 2,169  

 

We approved seven troubled debt restructures with no specific reserves required based on our analysis of the borrowers’ repayment ability and/or collateral coverage. Of these, two commercial loans to the same borrower were placed on a 13-month interest only period with re-amortization to follow based on the remaining term. One commercial loan and one owner-occupied commercial real estate mortgage to the same borrower were re-amortized over an extended term and maturity to ease up the borrowers’ cash flow.  One investment commercial real estate loan was placed on interest only payments to allow the borrower time to market the property, with principal and interest payments to follow.  Finally, two residential real estate mortgages were modified to interest only payments and later were re-amortized over an extended term and maturity.

 

We approved one troubled debt restructure that required a specific reserve consisting of a commercial loan that was modified to defer principal payments. We have classified this loan as doubtful and maintain a 50% reserve on the balance of the loan.

 

The following tables present the Company’s loans by risk rating and portfolio segment at September 30, 2015 and December 31, 2014:

 

                Construction                    
    Residential     Commercial     and Land                    
(In thousands)   Real Estate     Real Estate     Development     Commercial     Consumer     Total  
                                     
September 30, 2015                                                
Grade:                                                
Pass   $ -     $ 257,164     $ 51,096     $ 100,485     $ -     $ 408,745  
Special mention     -       6,063       5,120       2,732       -       13,915  
Substandard     1,596       5,295       -       3,159       -       10,050  
Doubtful     -       -       -       922       -       922  
Not formally rated     94,111       -       -       -       2,076       96,187  
Total   $ 95,707     $ 268,522     $ 56,216     $ 107,298     $ 2,076     $ 529,819  
                                                 
December 31, 2014                                                
Grade:                                                
Pass   $ -     $ 236,689     $ 37,867     $ 89,269     $ -     $ 363,825  
Special mention     -       5,336       9,212       6,498       -       21,046  
Substandard     1,374       7,666       -       1,822       -       10,862  
Not formally rated     103,194       -       -       -       2,863       106,057  
Total   $ 104,568     $ 249,691     $ 47,079     $ 97,589     $ 2,863     $ 501,790  

 

Credit Quality Information
The Company utilizes a seven grade internal loan risk rating system for commercial real estate, construction and land development, and commercial loans as follows:

 

Loans rated 1-3: Loans in these categories are considered “pass” rated loans with low to average risk.

 

Loans rated 4: Loans in this category are considered “special mention.” These loans are starting to show signs of potential weakness and are being closely monitored by management.

 

Loans rated 5: Loans in this category are considered “substandard.” Generally, a loan is considered substandard if it is inadequately protected by the current net worth and paying capacity of the obligors and/or the collateral pledged. There is a distinct possibility that the Company will sustain some loss if the weakness is not corrected.

 

Loans rated 6: Loans in this category are considered “doubtful.” Loans classified as doubtful have all the weaknesses inherent in those classified substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, highly questionable and improbable.

 

Loans rated 7: Loans in this category are considered uncollectible loss and of such little value that their continuance as loans is not warranted.

 

On an annual basis, or more often if needed, the Company formally reviews the ratings on all commercial real estate, construction and land development, and commercial loans.

 

For residential real estate and consumer loans, the Company initially assesses credit quality based upon the borrower’s ability to pay and rates such loans as pass. Subsequent risk rating downgrades are based upon the borrower’s payment activity.
XML 52 R14.htm IDEA: XBRL DOCUMENT v3.3.0.814
Federal Home Loan Bank Advances
 9 Months Ended
Sep. 30, 2015
Advances from Federal Home Loan Banks [Abstract]  
Federal Home Loan Bank Advances

(6) Federal Home Loan Bank Advances

Borrowings from the FHLB are secured by a blanket lien on qualified collateral, consisting primarily of loans with first mortgages secured by one to four family properties, certain commercial loans and other qualified assets.

 

In August of 2015 the Bank modified $3.5 million of its FHLB borrowings and extended the maturity. The Bank incurred a prepayment penalty of $233,000. In accordance with ASC 470-50-40, the prepayment penalty is amortized over the life of the newly modified borrowing.

 

Maturities of advances from the FHLB ending after September 30, 2015 are summarized as follows:

 

(In thousands)   
2016 $9,112 
2017  5,000 
2020  3,300 
Total $17,412 
XML 53 R16.htm IDEA: XBRL DOCUMENT v3.3.0.814
Fair Value of Financial Instruments
 9 Months Ended
Sep. 30, 2015
Fair Value Of Financial Instrument [Abstract]  
Fair Value of Financial Instruments
(8)Fair Value of Financial Instruments

GAAP requires disclosure of fair value information about financial instruments, whether or not recognized in the balance sheet, for which it is practicable to estimate that value. Certain financial instruments and all nonfinancial instruments are excluded from the disclosure requirements. Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company.

 

The carrying amounts and estimated fair values of the Company's financial instruments, all of which are held or issued for purposes other than trading, are as follows at September 30, 2015 and December 31, 2014:

 

  Carrying  Fair Value 
(In thousands) Amount  Level 1  Level 2  Level 3  Total 
                
September 30, 2015                    
Financial assets:                    
Cash and cash equivalents $26,357  $26,357  $-  $-  $26,357 
Available-for-sale securities  67,042   10,102   55,690   1,250   67,042 
Held-to-maturity securities  45,194   -   46,778   -   46,778 
Federal Home Loan Bank of Boston stock  3,642   3,642   -   -   3,642 
Loans, net  521,785   -   -   530,418   530,418 
Accrued interest receivable  2,001   -   2,001   -   2,001 
Financial liabilities:                    
Deposits  558,099   -   -   558,332   558,332 
Federal Home Loan Bank advances  17,412   -   17,886   -   17,886 
                     
December 31, 2014                    
Financial assets:                    
Cash and cash equivalents $9,558  $9,558  $-  $-  $9,558 
Available-for-sale securities  76,032   10,313   64,597   1,122   76,032 
Held-to-maturity securities  45,559   -   47,435   -   47,435 
Federal Home Loan Bank of Boston stock  3,642   3,642   -   -   3,642 
Loans, net  494,183   -   -   501,049   501,049 
Accrued interest receivable  2,056   -   2,056   -   2,056 
Financial liabilities:                    
Deposits  536,934   -   -   537,281   537,281 
Federal Home Loan Bank advances  39,237   -   40,020   -   40,020 
XML 54 R34.htm IDEA: XBRL DOCUMENT v3.3.0.814
Loans (Details 3) - Loans Receivable - USD ($)
$ in Thousands
 9 Months Ended 12 Months Ended
Sep. 30, 2015
Dec. 31, 2014
With no related allowance recorded:    
Recorded Investment $ 4,682 $ 5,003
Unpaid Principal Balance 4,682 5,003
Average Recorded Investment 4,810 3,808
Interest Income Recognized 122 205
With an allowance recorded:    
Recorded Investment 1,061 315
Unpaid Principal Balance 1,098 318
Related Allowance 494 62
Average Recorded Investment $ 853 607
Interest Income Recognized 12
Loans With And Without Specific Valuation Allowance [Abstract]    
Recorded Investment $ 5,743 5,318
Unpaid Principal Balance 5,780 5,321
Related Allowance 494 62
Average Recorded Investment 5,663 4,415
Interest Income Recognized 122 217
Residential real estate    
With no related allowance recorded:    
Recorded Investment 440 221
Unpaid Principal Balance 440 221
Average Recorded Investment 295 368
Interest Income Recognized $ 18 $ 24
With an allowance recorded:    
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Loans With And Without Specific Valuation Allowance [Abstract]    
Recorded Investment $ 440 $ 221
Unpaid Principal Balance $ 440 $ 221
Related Allowance
Average Recorded Investment $ 295 $ 368
Interest Income Recognized 18 24
Commercial real estate    
With no related allowance recorded:    
Recorded Investment 3,531 4,276
Unpaid Principal Balance 3,531 4,276
Average Recorded Investment 3,916 3,070
Interest Income Recognized $ 87 $ 161
With an allowance recorded:    
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment $ 279
Interest Income Recognized
Loans With And Without Specific Valuation Allowance [Abstract]    
Recorded Investment $ 3,531 $ 4,276
Unpaid Principal Balance $ 3,531 $ 4,276
Related Allowance
Average Recorded Investment $ 3,916 $ 3,349
Interest Income Recognized $ 87 $ 161
Construction and land development    
With no related allowance recorded:    
Recorded Investment
Unpaid Principal Balance
Average Recorded Investment
Interest Income Recognized
With an allowance recorded:    
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Loans With And Without Specific Valuation Allowance [Abstract]    
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Commercial    
With no related allowance recorded:    
Recorded Investment $ 711 $ 506
Unpaid Principal Balance 711 506
Average Recorded Investment 599 370
Interest Income Recognized 17 20
With an allowance recorded:    
Recorded Investment 1,061 315
Unpaid Principal Balance 1,098 318
Related Allowance 494 62
Average Recorded Investment $ 853 328
Interest Income Recognized 12
Loans With And Without Specific Valuation Allowance [Abstract]    
Recorded Investment $ 1,772 821
Unpaid Principal Balance 1,809 824
Related Allowance 494 62
Average Recorded Investment 1,452 698
Interest Income Recognized $ 17 $ 32
Consumer    
With no related allowance recorded:    
Recorded Investment
Unpaid Principal Balance
Average Recorded Investment
Interest Income Recognized
With an allowance recorded:    
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Loans With And Without Specific Valuation Allowance [Abstract]    
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
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Federal Home Loan Bank Advances (Tables)
 9 Months Ended
Sep. 30, 2015
Advances from Federal Home Loan Banks [Abstract]  
Schedule of maturities of advances from the FHLB

 

(In thousands)   
2016 $9,112 
2017  5,000 
2020  3,300 
Total $17,412 
XML 56 R26.htm IDEA: XBRL DOCUMENT v3.3.0.814
Corporate Structure (Detail Textuals) - USD ($)
$ / shares in Units, $ in Thousands
 9 Months Ended
Jul. 15, 2015
Sep. 30, 2015
Dec. 31, 2014
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]      
Number of shares issued 5,034,323 4,274,425  
Common stock, shares outstanding 9,498,722 9,498,722 275,000
Offering expenses   $ 1,547  
Provident Community Charitable Organization, Inc.      
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]      
Number of shares issued 189,974    
Provident Bank Employee Stock Ownership Plan      
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]      
Number of shares issued 4,274,425    
Price per share $ 10.00    
Number of shares purchased 357,152    
Offering expenses $ 1,500    
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Fair Value Measurements (Details 1) - Recurring basis - Level 3 - Available-for-Sale Securities - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]    
Balance beginning $ 1,122 $ 1,392
Total gains or (losses) (realized/unrealized)    
Included in earnings
Included in other comprehensive income $ 262 $ 941
Paydowns (134) (1,093)
Ending balance $ 1,250 $ 1,240
XML 58 R5.htm IDEA: XBRL DOCUMENT v3.3.0.814
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Sep. 30, 2015
Sep. 30, 2014
Statement of Comprehensive Income [Abstract]        
Net income $ 130 $ 1,251 $ 2,372 $ 3,548
Unrealized (losses) gains on securities:        
Change in net unrealized holding (losses) gains arising during the period (265) 81 (800) 2,333
Less: Reclassification adjustment for realized gains in net income (215)   (317) (424)
Other comprehensive (loss) income before tax (480) 81 (1,117) 1,909
Income tax benefit (expense) 169 (6) 421 (721)
Other comprehensive (loss) income, net of tax (311) 75 (696) 1,188
Total comprehensive (loss) income $ (181) $ 1,326 $ 1,676 $ 4,736
XML 59 R10.htm IDEA: XBRL DOCUMENT v3.3.0.814
Corporate Structure
 9 Months Ended
Sep. 30, 2015
Corporate Structure [Abstract]  
Corporate Structure
(2)Corporate Structure

On March 10, 2015, the Board of Directors of the Company adopted a plan of stock issuance (the “Plan”) pursuant to which the Company sold shares of common stock, representing a minority ownership of the estimated pro forma market value of the Company. On July 15, 2015, the Company closed its offering and issued 4,274,425 shares of common stock to the public at $10.00 per share, including 357,152 shares purchased by The Provident Bank Employee Stock Ownership Plan. In addition, the Company issued 5,034,323 shares to Provident Bancorp Inc., the Company’s mutual holding company, and 189,974 shares to The Provident Community Charitable Organization, Inc., a charitable foundation that was formed in connection with the stock offering and is dedicated to supporting charitable organizations operating in the Bank’s local community. A total of 9,498,722 shares of common stock are outstanding following the completion of the stock offering.

 

Expenses incurred related to the offering were $1.5 million, and have been recorded against offering proceeds.

 

Upon the completion of the stock offering, a special “liquidation account” was established for the benefit of certain depositors of the Bank in an amount equal to the percentage ownership interest in the equity of the Company to be held by persons other than the MHC as of the date of the latest balance sheet contained in the prospectus. Following the completion of the offering, the Company will not be permitted to pay dividends on its capital stock if the Company’s shareholders’ equity would be reduced below the amount of the liquidation account. The liquidation account will be reduced annually to the extent that eligible account holders have reduced their qualifying deposits. Subsequent increases will not restore an eligible account holder’s interest in the liquidation account.
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Investment Securities (Details) - USD ($)
$ in Thousands
Sep. 30, 2015
Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost Basis $ 64,245 $ 72,117
Gross Unrealized Gains 3,516 4,665
Gross Unrealized Losses 719 750
Fair Value 67,042 76,032
U.S. Government and federal agency    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost Basis 1,995 1,992
Gross Unrealized Gains $ 57 $ 92
Gross Unrealized Losses
Fair Value $ 2,052 $ 2,084
State and municipal    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost Basis 3,374 3,479
Gross Unrealized Gains $ 314 $ 422
Gross Unrealized Losses
Fair Value $ 3,688 $ 3,901
Corporate debt    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost Basis 1,000 1,000
Gross Unrealized Gains $ 87 $ 114
Gross Unrealized Losses
Fair Value $ 1,087 $ 1,114
Asset-backed securities    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost Basis $ 2,366 $ 2,732
Gross Unrealized Gains
Gross Unrealized Losses $ 32 $ 87
Fair Value 2,334 2,645
Government mortgage-backed securities    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost Basis 45,800 54,063
Gross Unrealized Gains 888 989
Gross Unrealized Losses 159 199
Fair Value 46,529 54,853
Trust preferred securities    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost Basis 1,368 $ 1,502
Gross Unrealized Gains 58
Gross Unrealized Losses 176 $ 380
Fair Value 1,250 1,122
Marketable equity securities    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost Basis 8,558 8,063
Gross Unrealized Gains 2,112 3,048
Gross Unrealized Losses 352 84
Fair Value 10,318 11,027
Available for sale securities excluded Money market mutual funds    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost Basis 64,461 72,831
Gross Unrealized Gains 3,516 4,665
Gross Unrealized Losses 719 750
Fair Value 67,258 76,746
Money market mutual funds included in cash and cash equivalents    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost Basis $ (216) $ (714)
Gross Unrealized Gains
Gross Unrealized Losses
Fair Value $ (216) $ (714)
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Federal Home Loan Bank Advances (Details)
$ in Thousands
Sep. 30, 2015
USD ($)
Advances from Federal Home Loan Banks [Abstract]  
2016 $ 9,112
2017 5,000
2020 3,300
Total $ 17,412
XML 63 R20.htm IDEA: XBRL DOCUMENT v3.3.0.814
Loans (Tables)
 9 Months Ended
Sep. 30, 2015
Receivables [Abstract]  
Schedule of summary of loans

 

  At  At 
  September 30,  December 31, 
  2015  2014 
(In thousands) Amount  Percent  Amount  Percent 
Commercial real estate $268,522   50.69% $249,691   49.76%
Commercial  107,298   20.25%  97,589   19.45%
Residential real estate  95,707   18.06%  104,568   20.84%
Construction and land development  56,216   10.61%  47,079   9.38%
Consumer  2,076   0.39%  2,863   0.57%
   529,819   100.00%  501,790   100.00%
Allowance for loan losses  (7,744)      (7,224)    
Deferred loan fees, net  (290)      (383)    
Net loans $521,785      $494,183     
Schedule of allowance for loan losses by portfolio segment
    For the three months ended September 30,  
          Construction                                
    Commercial     and Land     Residential                          
(In thousands)   Real Estate     Development     Real Estate     Commercial     Consumer     Unallocated     Total  
Allowance for loan losses:                                                        
                                                         
Balance at June 30, 2015   $ 3,510     $ 921     $ 541     $ 2,108     $ 159     $ 330     $ 7,569  
Charge-offs     -       -       -       8       (16 )     -       (8 )
Recoveries     -       -       -       8       1       -       9  
Provision (benefit)     83       175       (106 )     18       (4 )     8       174  
Balance at September 30, 2015   $ 3,593     $ 1,096     $ 435     $ 2,142     $ 140     $ 338     $ 7,744  
                                                         
Balance at June 30, 2014   $ 3,408     $ 483     $ 712     $ 1,555     $ 157     $ 252     $ 6,567  
Charge-offs     -       -       (30 )     -       (16 )     -       (46 )
Recoveries     -       -       -       1       3       -       4  
Provision (benefit)     237       90       (18 )     (15 )     25       (132 )     187  
Balance at September 30, 2014   $ 3,645     $ 573     $ 664     $ 1,541     $ 169     $ 120     $ 6,712  

 

    For the nine months ended September 30,  
          Construction                                
    Commercial     and Land     Residential                          
(In thousands)   Real Estate     Development     Real Estate     Commercial     Consumer     Unallocated     Total  
Allowance for loan losses:                                                        
                                                         
Balance at December 31, 2014   $ 3,500     $ 872     $ 560     $ 1,751     $ 184     $ 357     $ 7,224  
Charge-offs     -       -       -       (96 )     (49 )     -       (145 )
Recoveries     -       -       6       9       5       -       20  
Provision (benefit)     93       224       (131 )     478               (19 )     645  
Balance at September 30, 2015   $ 3,593     $ 1,096     $ 435     $ 2,142     $ 140     $ 338     $ 7,744  
                                                         
Balance at December 31, 2013   $ 3,207     $ 363     $ 725     $ 1,331     $ 206     $ 245     $ 6,077  
Charge-offs     (243 )     -       (30 )     -       (63 )     -       (336 )
Recoveries     20       2       24       -       4       -       50  
Provision (benefit)     661       208       (55 )     210     22       (125 )     921  
Balance at September 30, 2014   $ 3,645     $ 573     $ 664     $ 1,541     $ 169     $ 120     $ 6,712  
Schedule of loan balances by segment

 

     Construction                
  Commercial  and Land  Residential             
(In thousands) Real Estate  Development  Real Estate  Commercial  Consumer  Unallocated  Total 
September 30, 2015                            
Ending balance:                            
Individually evaluated for impairment $-  $-  $-  $494  $-  $-  $494 
Ending balance:                            
Collectively evaluated for impairment  3,593   1,096   435   1,648   140   338   7,250 
Total allowance for loan losses ending balance $3,593  $1,096  $435  $2,142  $140  $338  $7,744 
                             
Loans:                            
Ending balance:                            
Individually evaluated for impairment $3,531  $-  $440  $1,772  $-  $-  $5,743 
Ending balance:                            
Collectively evaluated for impairment  264,991  56,216   95,267   105,526   2,076   -   524,076 
Total loans ending balance $268,522  $56,216  $95,707  $107,298  $2,076  $-  $529,819 
                             
December 31, 2014                            
Ending balance:                            
Individually evaluated for impairment $-  $-  $-  $62  $-  $-  $62 
Ending balance:                            
Collectively evaluated for impairment  3,500   872   560   1,689   184   357   7,162 
Total allowance for loan losses ending balance $3,500  $872  $560  $1,751  $184  $357  $7,224 
                             
Loans:                            
Ending balance:                            
Individually evaluated for impairment $4,276  $-  $221  $821  $-  $-  $5,318 
Ending balance:                            
Collectively evaluated for impairment  245,415   47,079   104,347   96,768   2,863   -   496,472 
Total loans ending balance $249,691  $47,079  $104,568  $97,589  $2,863  $-  $501,790 
Schedule of non accrual loans and past-due loans by portfolio segment

 

                    90 Days    
        90 Days  Total        or More    
  30 - 59  60 - 89  or More  Past  Total  Total  Past Due  Non-accrual 
(In thousands) Days  Days  Past Due  Due  Current  Loans  and Accruing  Loans 
                         
September 30, 2015                                
Residential real estate $-  $243  $-  $243  $95,464  $95,707  $-  $1,301 
Commercial real estate  -   -   102   102   268,420   268,522   -   598 
Construction and land development  -   -   -   -   56,216   56,216   -   - 
Commercial  186   -   176   362   106,936   107,298   -   1,199 
Consumer  -   13   -   13   2,063   2,076   -   - 
Total $186  $256  $278  $720  $529,099  $529,819  $-  $3,098 
                                 
December 31, 2014                                
Residential real estate $-  $404  $423  $827  $103,741  $104,568  $-  $1,564 
Commercial real estate  110   132   363   605   249,086   249,691   -   3,002 
Construction and land development  -   -   -   -   47,079   47,079   -   - 
Commercial  149   108   350   607   96,982   97,589   -   516 
Consumer  9   -   -   9   2,854   2,863   -   - 
Total $268  $644  $1,136  $2,048  $499,742  $501,790  $-  $5,082 
Schedule of impaired loans by portfolio segment

 

     Unpaid     Average  Interest 
  Recorded  Principal  Related  Recorded  Income 
(In thousands) Investment  Balance  Allowance  Investment  Recognized 
                
September 30, 2015                    
With no related allowance recorded:                    
Residential real estate $440  $440  $-  $295  $18 
Commercial real estate  3,531   3,531   -   3,916   87 
Construction and land development  -   -   -   -   - 
Commercial  711   711   -   599   17 
Consumer  -   -   -   -   - 
Total impaired with no related allowance  4,682   4,682   -   4,810   122 
                     
With an allowance recorded:                    
Residential real estate  -   -   -   -   - 
Commercial real estate  -   -   -   -   - 
Construction and land development  -   -   -   -   - 
Commercial  1,061   1,098   494   853   - 
Consumer  -   -   -   -   - 
Total impaired with an allowance recorded  1,061   1,098   494   853   - 
                     
Total                    
Residential real estate  440   440   -   295   18 
Commercial real estate  3,531   3,531   -   3,916   87 
Construction and land development  -   -   -   -   - 
Commercial  1,772   1,809   494   1,452   17 
Consumer  -   -   -   -   - 
Total impaired loans $5,743  $5,780  $494  $5,663  $122 
                     
                     
December 31, 2014                    
With no related allowance recorded:                    
Residential real estate $221  $221  $-  $368  $24 
Commercial real estate  4,276   4,276   -   3,070   161 
Construction and land development  -   -   -   -   - 
Commercial  506   506   -   370   20 
Consumer  -   -   -   -   - 
Total impaired with no related allowance  5,003   5,003   -   3,808   205 
                     
With an allowance recorded:                    
Residential real estate  -  -  -  -  - 
Commercial real estate  -   -   -   279   - 
Construction and land development  -   -   -   -   - 
Commercial  315   318   62   328   12 
Consumer  -   -   -   -   - 
Total impaired with an allowance recorded  315   318   62   607   12 
                     
Total                    
Residential real estate  221   221   -   368   24 
Commercial real estate  4,276   4,276   -   3,349   161 
Construction and land development  -   -   -   -   - 
Commercial  821   824   62   698   32 
Consumer  -   -   -   -   - 
Total impaired loans $5,318  $5,321  $62  $4,415  $217 
Schedule of troubled debt restructurings

 

(Dollars in thousands) Number
of
Contracts		  Pre-
Modification
Outstanding
Recorded
Investment		  Post-
Modification
Outstanding
Recorded
Investment		 
          
September 30, 2015            
Troubled debt restructurings:            
Commercial  4  $1,479  $1,479 
Residential real estate  2   226   226 
Commercial real estate  2   464   464 
   8  $2,169  $2,169 
Schedule of loans by risk rating and portfolio segment

 

        Construction          
  Residential  Commercial  and Land          
(In thousands) Real Estate  Real Estate  Development  Commercial  Consumer  Total 
                   
September 30, 2015                        
Grade:                        
Pass $-  $257,164  $51,096  $100,485  $-  $408,745 
Special mention  -   6,063   5,120   2,732   -   13,915 
Substandard  1,596   5,295   -   3,159   -   10,050 
Doubtful  -   -   -   922   -   922 
Not formally rated  94,111   -   -   -   2,076   96,187 
Total $95,707  $268,522  $56,216  $107,298  $2,076  $529,819 
                         
December 31, 2014                        
Grade:                        
Pass $-  $236,689  $37,867  $89,269  $-  $363,825 
Special mention  -   5,336   9,212   6,498   -   21,046 
Substandard  1,374   7,666   -   1,822   -   10,862 
Not formally rated  103,194   -   -   -   2,863   106,057 
Total $104,568  $249,691  $47,079  $97,589  $2,863  $501,790