Loan Quality and Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2018

Loan Quality and Allowance for Loan Losses [Abstract]

Allowance For Loan Losses, By Loan Segment

The following table presents, by class, the activity in the Allowance for Loan Losses (ALL) for the periods ended:

	Residential Real Estate 1-4 Family
	First		Junior Liens &				Commercial
(Dollars in thousands)	Liens		Lines of Credit		Construction		Real Estate		Commercial		Consumer		Unallocated		Total
ALL at December 31, 2017	$	1,060	$	330	$	224	$	6,526	$	2,110	$	105	$	1,437	$	11,792
Charge-offs		—		—		—		—		—		(26)		—		(26)
Recoveries		1		—		—		—		8		14		—		23
Provision		(18)		(10)		36		172		(45)		11		54		200
ALL at March 31, 2018	$	1,043	$	320	$	260	$	6,698	$	2,073	$	104	$	1,491	$	11,989
ALL at December 31, 2016	$	1,105	$	323	$	224	$	6,109	$	1,893	$	100	$	1,321	$	11,075
Charge-offs		(8)		—		—		—		—		(28)		—		(36)
Recoveries		1		—		—		—		102		16		—		119
Provision		2		(2)		50		17		(11)		11		53		120
ALL at March 31, 2017	$	1,100	$	321	$	274	$	6,126	$	1,984	$	99	$	1,374	$	11,278

The following table presents, by class, loans that were evaluated for the ALL under the specific reserve (individually) and those that were evaluated under the general reserve (collectively) and the amount of the ALL established in each class as of March 31, 2018and December 31, 2017:

	Residential Real Estate 1-4 Family
	First		Junior Liens &				Commercial
(Dollars in thousands)	Liens		Lines of Credit		Construction		Real Estate		Commercial		Consumer		Unallocated		Total
March 31, 2018
Loans evaluated for ALL:
Individually	$	454	$	—	$	466	$	10,878	$	—	$	—	$	—	$	11,798
Collectively		155,233		48,856		11,025		422,943		287,680		5,118		—		930,855
Total	$	155,687	$	48,856	$	11,491	$	433,821	$	287,680	$	5,118	$	—	$	942,653
ALL established for   loans evaluated:
Individually	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Collectively		1,043		320		260		6,698		2,073		104		1,491		11,989
ALL at March 31, 2018	$	1,043	$	320	$	260	$	6,698	$	2,073	$	104	$	1,491	$	11,989
December 31, 2017
Loans evaluated for ALL:
Individually	$	459	$	—	$	466	$	10,981	$	—	$	—	$	—	$	11,906
Collectively		157,975		50,371		9,435		417,447		291,519		5,047		—		931,794
Total	$	158,434	$	50,371	$	9,901	$	428,428	$	291,519	$	5,047	$	—	$	943,700
ALL established for   loans evaluated:
Individually	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Collectively		1,060		330		224		6,526		2,110		105		1,437		11,792
ALL at December 31, 2017	$	1,060	$	330	$	224	$	6,526	$	2,110	$	105	$	1,437	$	11,792

Impaired Financing Receivables

The following table shows additional information about those loans considered to be impaired at March 31, 2018and December 31, 2017:

	Impaired Loans
	With No Allowance				With Allowance
(Dollars in thousands)			Unpaid				Unpaid
	Recorded		Principal		Recorded		Principal		Related
March 31, 2018	Investment		Balance		Investment		Balance		Allowance
Residential Real Estate 1-4 Family
First liens	$	803	$	882	$	—	$	—	$	—
Junior liens and lines of credit		—		—		—		—		—
Total		803		882		—		—		—
Residential real estate - construction		466		531		—		—		—
Commercial real estate		10,949		11,435		—		—		—
Commercial		183		198		—		—		—
Total	$	12,401	$	13,046	$	—	$	—	$	—

December 31, 2017
Residential Real Estate 1-4 Family
First liens	$	869	$	950	$	—	$	—	$	—
Junior liens and lines of credit		—		—		—		—		—
Total		869		950		—		—		—
Residential real estate - construction		466		531		—		—		—
Commercial real estate		11,061		11,541		—		—		—
Commercial		187		201		—		—		—
Total	$	12,583	$	13,223	$	—	$	—	$	—

The following table shows the average of impaired loans and related interest income for the three months ended March 31, 2018and 2017:

	Three Months Ended				Three Months Ended
	March 31, 2018				March 31, 2017
	Average		Interest		Average		Interest
(Dollars in thousands)	Recorded		Income		Recorded		Income
	Investment		Recognized		Investment		Recognized
Residential Real Estate 1-4 Family
First liens	$	805	$	11	$	919	$	10
Junior liens and lines of credit		—		—		85		—
Total		805		11		1,004		10
Residential real estate - construction		466		—		479		—
Commercial real estate		10,994		105		13,519		116
Commercial		185		—		23		—
Total	$	12,450	$	116	$	15,025	$	126

Aging Of Payments Of The Loan Portfolio

(Dollars in thousands)			Loans Past Due and Still Accruing										Total
	Current		30-59 Days		60-89 Days		90 Days+		Total		Non-Accrual		Loans
March 31, 2018
Residential Real Estate 1-4 Family
First liens	$	155,126	$	398	$	56	$	—	$	454	$	107	$	155,687
Junior liens and lines of credit		48,743		85		28		—		113		—		48,856
Total		203,869		483		84		—		567		107		204,543
Residential real estate - construction		11,025		—		—		—		—		466		11,491
Commercial real estate		431,542		348		—		89		437		1,842		433,821
Commercial		287,289		54		154		—		208		183		287,680
Consumer		5,100		15		3		—		18		—		5,118
Total	$	938,825	$	900	$	241	$	89	$	1,230	$	2,598	$	942,653

December 31, 2017
Residential Real Estate 1-4 Family
First liens	$	157,247	$	485	$	534	$	—	$	1,019	$	168	$	158,434
Junior liens and lines of credit		50,202		139		30		—		169		—		50,371
Total		207,449		624		564		—		1,188		168		208,805
Residential real estate - construction		9,435		—		—		—		—		466		9,901
Commercial real estate		425,806		421		347		—		768		1,854		428,428
Commercial		291,221		111		—		—		111		187		291,519
Consumer		5,017		23		7		—		30		—		5,047
Total	$	938,928	$	1,179	$	918	$	—	$	2,097	$	2,675	$	943,700

Internal Credit Rating For The Loan Portfolio

	Pass		Special Mention		Substandard		Doubtful
(Dollars in thousands)	(1-5)		(6)		(7)		(8)		Total
March 31, 2018
Residential Real Estate 1-4 Family
First liens	$	155,040	$	—	$	647	$	—	$	155,687
Junior liens and lines of credit		48,856		—		—		—		48,856
Total		203,896		—		647		—		204,543
Residential real estate - construction		10,370		—		1,121		—		11,491
Commercial real estate		423,072		2,393		8,356		—		433,821
Commercial		286,905		—		775		—		287,680
Consumer		5,117		—		1		—		5,118
Total	$	929,360	$	2,393	$	10,900	$	—	$	942,653

December 31, 2017
Residential Real Estate 1-4 Family
First liens	$	157,395	$	—	$	1,039	$	—	$	158,434
Junior liens and lines of credit		50,371		—		—		—		50,371
Total		207,766		—		1,039		—		208,805
Residential real estate - construction		8,893		—		1,008		—		9,901
Commercial real estate		419,277		680		8,471		—		428,428
Commercial		289,916		—		1,603		—		291,519
Consumer		5,047		—		—		—		5,047
Total	$	930,899	$	680	$	12,121	$	—	$	943,700

Troubled Debt Restructuring Loans

								Troubled Debt Restructurings
								Within the Last 12 Months
								That Have Defaulted
(Dollars in thousands)	Troubled Debt Restructurings							On Modified Terms
	Number of	Recorded						Number of	Recorded
	Contracts	Investment		Performing*		Nonperforming*		Contracts	Investment
March 31, 2018
Residential real estate - construction	1	$	466	$	—	$	466	—	$	—
Residential real estate	5		732		696		36	—		—
Commercial real estate	11		10,878		9,107		1,771	—		—
Total	17	$	12,076	$	9,803	$	2,273	—	$	—
December 31, 2017
Residential real estate - construction	1	$	466	$	466	$	—	—	$	—
Residential real estate	5		737		701		36	—		—
Commercial real estate	11		10,983		10,388		595	—		—
Total	17	$	12,186	$	11,555	$	631	—	$	—

*The performing status is determined by the loan’s compliance with the modified terms.