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Allowance for Loan Losses (Tables)
 3 Months Ended
Mar. 31, 2019
Provision for Loan and Lease Losses [Abstract]  
Allowance for Credit Losses on Financing Receivables [Table Text Block]
The following tables summarize the rollforward of the allowance for loan losses by portfolio segment for the three-month period ending March 31, 2019 and 2018 (in thousands).
 
 
 
Three months ended March 31, 2019
 
 
 
Balance at
 
 
Charge-
 
 
 
 
 
Provision
 
 
Balance at
 
 
 
December 31, 2018
 
 
Offs
 
 
Recoveries
 
 
(Credit)
 
 
March 31, 2019
 
Commercial
 
$
3,057
 
 
$
—
 
 
$
5
 
 
$
(448
)
 
$
2,614
 
Commercial loans secured by non-owner occupied real estate
 
 
3,389
 
 
 
(63
)
 
 
11
 
 
 
36
 
 
 
3,373
 
Real estate-residential mortgage
 
 
1,235
 
 
 
(61
)
 
 
8
 
 
 
31
 
 
 
1,213
 
Consumer
 
 
127
 
 
 
(82
)
 
 
18
 
 
 
62
 
 
 
125
 
Allocation for general risk
 
 
863
 
 
 
—
 
 
 
—
 
 
 
(81
)
 
 
782
 
Total
 
$
8,671
 
 
$
(206
)
 
$
42
 
 
$
(400
)
 
$
8,107
 
 
 
 
Three months ended March 31, 2018
 
 
 
Balance at
 
 
Charge-
 
 
 
 
 
Provision
 
 
Balance at
 
 
 
December 31, 2017
 
 
Offs
 
 
Recoveries
 
 
(Credit)
 
 
March 31, 2018
 
Commercial
 
$
4,298
 
 
$
(162
)
 
$
8
 
 
$
(160
)
 
$
3,984
 
Commercial loans secured by non-owner occupied real estate
 
 
3,666
 
 
 
—
 
 
 
13
 
 
 
(129
)
 
 
3,550
 
Real estate-residential mortgage
 
 
1,102
 
 
 
(114
)
 
 
10
 
 
 
269
 
 
 
1,267
 
Consumer
 
 
128
 
 
 
(99
)
 
 
12
 
 
 
101
 
 
 
142
 
Allocation for general risk
 
 
1,020
 
 
 
—
 
 
 
—
 
 
 
(31
)
 
 
989
 
Total
 
$
10,214
 
 
$
(375
)
 
$
43
 
 
$
50
 
 
$
9,932
 
Schedule of Primary Segments of Loan Portfolio [Table Text Block]
The following tables summarize the loan portfolio and allowance for loan loss by the primary segments of the loan portfolio (in thousands).
 
 
 
At March 31, 2019
 
 
 
 
 
 
Commercial Loans
 
 
Real Estate-
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Secured by Non-Owner
 
 
Residential
 
 
 
 
 
Allocation for
 
 
 
 
 
 
Commercial
 
 
Occupied Real Estate
 
 
Mortgage
 
 
Consumer
 
 
General Risk
 
 
Total
 
Loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
 
$
—
 
 
$
11
 
 
$
—
 
 
$
—
 
 
 
 
 
 
$
11
 
Collectively evaluated for impairment
 
 
244,489
 
 
 
365,270
 
 
 
235,109
 
 
 
17,636
 
 
 
 
 
 
 
862,504
 
Total loans
 
$
244,489
 
 
$
365,281
 
 
$
235,109
 
 
$
17,636
 
 
 
 
 
 
$
862,515
 
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Specific reserve allocation
 
$
—
 
 
$
11
 
 
$
—
 
 
$
—
 
 
$
—
 
 
$
11
 
General reserve allocation
 
 
2,614
 
 
 
3,362
 
 
 
1,213
 
 
 
125
 
 
 
782
 
 
 
8,096
 
Total allowance for loan losses
 
$
2,614
 
 
$
3,373
 
 
$
1,213
 
 
$
125
 
 
$
782
 
 
$
8,107
 
 
 
 
At December 31, 2018
 
 
 
 
 
 
Commercial Loans
 
 
Real Estate-
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Secured by Non-Owner
 
 
Residential
 
 
 
 
 
Allocation for
 
 
 
 
 
 
Commercial
 
 
Occupied Real Estate
 
 
Mortgage
 
 
Consumer
 
 
General Risk
 
 
Total
 
Loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
 
$
—
 
 
$
11
 
 
$
—
 
 
$
—
 
 
 
 
 
 
$
11
 
Collectively evaluated for impairment
 
 
250,184
 
 
 
356,532
 
 
 
237,964
 
 
 
17,591
 
 
 
 
 
 
 
862,271
 
Total loans
 
$
250,184
 
 
$
356,543
 
 
$
237,964
 
 
$
17,591
 
 
 
 
 
 
$
862,282
 
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Specific reserve allocation
 
$
—
 
 
$
11
 
 
$
—
 
 
$
—
 
 
$
—
 
 
$
11
 
General reserve allocation
 
 
3,057
 
 
 
3,378
 
 
 
1,235
 
 
 
127
 
 
 
863
 
 
 
8,660
 
Total allowance for loan losses
 
$
3,057
 
 
$
3,389
 
 
$
1,235
 
 
$
127
 
 
$
863
 
 
$
8,671
 
Impaired Financing Receivables [Table Text Block]
The following tables present impaired loans by portfolio segment, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary (in thousands).
 
 
 
March 31, 2019
 
 
 
Impaired Loans with
Specific Allowance
 
 
Impaired Loans with no
Specific Allowance
 
 
Total Impaired Loans
 
 
 
Recorded
Investment
 
 
Related
Allowance
 
 
Recorded
Investment
 
 
Recorded
Investment
 
 
Unpaid
Principal
Balance
 
Commercial loans secured by non-owner occupied real estate
 
$
11
 
 
$
11
 
 
$
—
 
 
$
11
 
 
$
33
 
Total impaired loans
 
$
11
 
 
$
11
 
 
$
—
 
 
$
11
 
 
$
33
 
 
 
 
December 31, 2018
 
 
 
Impaired Loans with
Specific Allowance
 
 
Impaired Loans with no
Specific Allowance
 
 
Total Impaired Loans
 
 
 
Recorded
Investment
 
 
Related
Allowance
 
 
Recorded
Investment
 
 
Recorded
Investment
 
 
Unpaid
Principal
Balance
 
Commercial loans secured by non-owner occupied real estate
 
$
11
 
 
$
11
 
 
$
—
 
 
$
11
 
 
$
33
 
Total impaired loans
 
$
11
 
 
$
11
 
 
$
—
 
 
$
11
 
 
$
33
 
Schedule of Average Recorded Investment in Impaired Loans and Related Interest Income Recognized [Table Text Block]
The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated (in thousands).
 
 
 
Three months ended March 31,
 
 
 
2019
 
 
2018
 
Average loan balance:
 
 
 
 
 
 
 
 
Commercial
 
$
—
 
 
$
1,063
 
Commercial loans secured by non-owner occupied real estate
 
 
11
 
 
 
280
 
Average investment in impaired loans
 
$
11
 
 
$
1,343
 
Interest income recognized:
 
 
 
 
 
 
 
 
Commercial
 
$
—
 
 
$
—
 
Commercial loans secured by non-owner occupied real estate
 
 
—
 
 
 
—
 
Interest income recognized on a cash basis on impaired loans
 
$
—
 
 
$
—
 
Financing Receivable Credit Quality Indicators [Table Text Block]
The following table presents the classes of the commercial and commercial real estate loan portfolios summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system (in thousands).
 
 
 
March 31, 2019
 
 
 
 
 
 
Special
 
 
 
 
 
 
 
 
 
 
 
 
Pass
 
 
Mention
 
 
Substandard
 
 
Doubtful
 
 
Total
 
Commercial and industrial
 
$
154,114
 
 
$
1,702
 
 
$
1,739
 
 
$
—
 
 
$
157,555
 
Commercial loans secured by owner occupied real estate
 
 
84,301
 
 
 
1,496
 
 
 
1,137
 
 
 
—
 
 
 
86,934
 
Commercial loans secured by non-owner occupied real estate
 
 
358,806
 
 
 
6,271
 
 
 
193
 
 
 
11
 
 
 
365,281
 
Total
 
$
597,221
 
 
$
9,469
 
 
$
3,069
 
 
$
11
 
 
$
609,770
 
 
 
 
December 31, 2018
 
 
 
 
 
 
Special
 
 
 
 
 
 
 
 
 
 
 
 
Pass
 
 
Mention
 
 
Substandard
 
 
Doubtful
 
 
Total
 
Commercial and industrial
 
$
154,510
 
 
$
2,089
 
 
$
1,680
 
 
$
—
 
 
$
158,279
 
Commercial loans secured by owner occupied real estate
 
 
86,997
 
 
 
3,769
 
 
 
1,139
 
 
 
—
 
 
 
91,905
 
Commercial loans secured by non-owner occupied real estate
 
 
349,954
 
 
 
6,316
 
 
 
262
 
 
 
11
 
 
 
356,543
 
Total
 
$
591,461
 
 
$
12,174
 
 
$
3,081
 
 
$
11
 
 
$
606,727
 
Schedule of Financing Receivable Performing and Nonperforming [Table Text Block]
The following tables present the performing and non-performing outstanding balances of the residential and consumer portfolio classes (in thousands).
 
 
March 31, 2019
 
 
 
Performing
 
 
Non-Performing
 
Real estate – residential mortgage
 
$
233,970
 
 
$
1,139
 
Consumer
 
 
17,636
 
 
 
—
 
Total
 
$
251,606
 
 
$
1,139
 
 
 
 
December 31, 2018
 
 
 
Performing
 
 
Non-Performing
 
Real estate – residential mortgage
 
$
236,754
 
 
$
1,210
 
Consumer
 
 
17,591
 
 
 
—
 
Total
 
$
254,345
 
 
$
1,210
 
 
Past Due Financing Receivables [Table Text Block]
The following tables present the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans (in thousands).
 
 
 
March 31, 2019
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
90 Days
 
 
 
 
 
 
30 – 59
 
 
60 – 89
 
 
 
 
 
 
 
 
 
 
 
Past Due
 
 
 
 
 
 
Days Past
 
 
Days Past
 
 
90 Days
 
 
Total
 
 
Total
 
 
and Still
 
 
 
Current
 
 
Due
 
 
Due
 
 
Past Due
 
 
Past Due
 
 
Loans
 
 
Accruing
 
Commercial and industrial
 
$
157,555
 
 
$
—
 
 
$
—
 
 
$
—
 
 
$
—
 
 
$
157,555
 
 
$
—
 
Commercial loans secured by owner occupied real estate
 
 
86,934
 
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
 
 
86,934
 
 
 
—
 
Commercial loans secured by non-owner occupied real estate
 
 
365,281
 
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
 
 
365,281
 
 
 
—
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Real estate – residential mortgage
 
 
231,558
 
 
 
2,213
 
 
 
753
 
 
 
585
 
 
 
3,551
 
 
 
235,109
 
 
 
—
 
Consumer
 
 
17,463
 
 
 
172
 
 
 
1
 
 
 
—
 
 
 
173
 
 
 
17,636
 
 
 
—
 
Total
 
$
858,791
 
 
$
2,385
 
 
$
754
 
 
$
585
 
 
$
3,724
 
 
$
862,515
 
 
$
—
 
 
 
 
December 31, 2018
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
90 Days
 
 
 
 
 
 
30 – 59
 
 
60 – 89
 
 
 
 
 
 
 
 
 
 
 
Past Due
 
 
 
 
 
 
Days Past
 
 
Days Past
 
 
90 Days
 
 
Total
 
 
Total
 
 
and Still
 
 
 
Current
 
 
Due
 
 
Due
 
 
Past Due
 
 
Past Due
 
 
Loans
 
 
Accruing
 
Commercial and industrial
 
$
158,279
 
 
$
—
 
 
$
—
 
 
$
—
 
 
$
—
 
 
$
158,279
 
 
$
—
 
Commercial loans secured by owner occupied real estate
 
 
91,905
 
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
 
 
91,905
 
 
 
—
 
Commercial loans secured by non-owner occupied real estate
 
 
355,963
 
 
 
580
 
 
 
—
 
 
 
—
 
 
 
580
 
 
 
356,543
 
 
 
—
 
Real estate – residential mortgage
 
 
232,465
 
 
 
3,651
 
 
 
472
 
 
 
1,376
 
 
 
5,499
 
 
 
237,964
 
 
 
—
 
Consumer
 
 
17,408
 
 
 
153
 
 
 
30
 
 
 
—
 
 
 
183
 
 
 
17,591
 
 
 
—
 
Total
 
$
856,020
 
 
$
4,384
 
 
$
502
 
 
$
1,376
 
 
$
6,262
 
 
$
862,282
 
 
$
—