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Loan Quality (Tables)
 12 Months Ended
Dec. 31, 2022
Loan Quality [Abstract]  
Allowance For Loan Losses, By Loan Segment The following table shows the activity in the Allowance for Loan Loss (ALL), for the years ended December 31, 2022 and 2021:

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, 2021

$

475 

$

252 

$

325 

$

8,168 

$

5,127 

$

130 

$

589 

$

15,066 

Charge-offs

(20)

—

—

(1,451)

(71)

(102)

—

(1,644)

Recoveries

48 

2 

—

1 

26 

26 

—

103 

Provision

(44)

(20)

18 

775 

(236)

79 

78 

650 

ALL at December 31, 2022

$

459 

$

234 

$

343 

$

7,493 

$

4,846 

$

133 

$

667 

$

14,175 

ALL at December 31, 2020

$

555 

$

226 

$

294 

$

9,163 

$

5,679 

$

97 

$

775 

$

16,789 

Charge-offs

—

—

(28)

(57)

(50)

(195)

—

(330)

Recoveries

—

170 

—

1 

505 

31 

—

707 

Provision

(80)

(144)

59 

(939)

(1,007)

197 

(186)

(2,100)

ALL at December 31, 2021

$

475 

$

252 

$

325 

$

8,168 

$

5,127 

$

130 

$

589 

$

15,066 

The following table shows the loans that were evaluated for the Allowance for Loan Loss (ALL) under a specific reserve (individually) and those that were evaluated under a general reserve (collectively), and the amount of the allowance established in each category as of December 31, 2022 and 2021:

Residential Real Estate 1-4 Family

First

Junior Liens &

Commercial

(Dollars in thousands)

Liens

Lines of Credit

Construction

Real Estate

Commercial

Consumer

Unallocated

Total

December 31, 2022

Loans evaluated for ALL:

Individually

$

619 

$

—

$

—

$

2,331 

$

—

$

—

$

—

$

2,950 

Collectively

143,878 

73,688 

24,393 

564,331 

235,602 

6,199 

—

1,048,091 

Total

$

144,497 

$

73,688 

$

24,393 

$

566,662 

$

235,602 

$

6,199 

$

—

$

1,051,041 

ALL established for
‎  loans evaluated:

Individually

$

—

$

—

$

—

$

—

$

—

$

—

$

—

$

—

Collectively

459 

234 

343 

7,493 

4,846 

133 

667 

14,175 

ALL at December 31, 2022

$

459 

$

234 

$

343 

$

7,493 

$

4,846 

$

133 

$

667 

$

14,175 

December 31, 2021

Loans evaluated for ALL:

Individually

$

661 

$

—

$

424 

$

10,520 

$

—

$

—

$

—

$

11,605 

Collectively

131,822 

71,944 

20,233 

512,259 

244,543 

6,406 

—

987,207 

Total

$

132,483 

$

71,944 

$

20,657 

$

522,779 

$

244,543 

$

6,406 

$

—

$

998,812 

ALL established for
‎  loans evaluated:

Individually

$

—

$

—

$

—

$

698 

$

—

$

—

$

—

$

698 

Collectively

475 

252 

325 

7,470 

5,127 

130 

589 

14,368 

ALL at December 31, 2021

$

475 

$

252 

$

325 

$

8,168 

$

5,127 

$

130 

$

589 

$

15,066 
Impaired Financing Receivables

Impaired Loans

With No Allowance

With Allowance

(Dollars in thousands)

Unpaid

Unpaid

Recorded

Principal

Recorded

Principal

Related

December 31, 2022

Investment

Balance

Investment

Balance

Allowance

Residential Real Estate 1-4 Family

First liens

$

619

$

619

$

—

$

—

$

—

Junior liens and lines of credit

—

—

—

—

—

Total

619

619

—

—

—

Residential real estate - construction

—

—

—

—

—

Commercial real estate

2,331

2,331

—

—

—

Commercial

—

—

—

—

—

Total

$

2,950

$

2,950

$

—

$

—

$

—

December 31, 2021

Residential Real Estate 1-4 Family

First liens

$

661

$

661

$

—

$

—

$

—

Junior liens and lines of credit

—

—

—

—

—

Total

661

661

—

—

—

Residential real estate - construction

424

729

—

—

—

Commercial real estate

4,942

5,405

5,578

5,764

698

Commercial

—

—

—

—

—

Total

$

6,027

$

6,795

$

5,578

$

5,764

$

698

Twelve Months Ended

December 31, 2022

December 31, 2021

Average

Interest

Average

Interest

(Dollars in thousands)

Recorded

Income

Recorded

Income

Investment

Recognized

Investment

Recognized

Residential Real Estate 1-4 Family

First liens

$

641

$

33

$

657

$

32

Junior liens and lines of credit

—

—

—

—

Total

641

33

657

32

Residential real estate - construction

106

105

469

—

Commercial real estate

7,765

369

14,530

341

Commercial

—

—

—

—

Total

$

8,512

$

507

$

15,656

$

373
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

December 31, 2022

Residential Real Estate 1-4 Family

First liens

$

143,860 

$

340 

$

177 

$

—

$

517 

$

120 

$

144,497 

Junior liens and lines of credit

73,198 

490 

—

—

490 

—

73,688 

Total

217,058 

830 

177 

—

1,007 

120 

218,185 

Residential real estate - construction

24,393 

—

—

—

—

—

24,393 

Commercial real estate

566,013 

649 

—

—

649 

—

566,662 

Commercial

234,871 

681 

50 

—

731 

—

235,602 

Consumer

6,152 

29 

5 

13 

47 

—

6,199 

Total

$

1,048,487 

$

2,189 

$

232 

$

13 

$

2,434 

$

120 

$

1,051,041 

December 31, 2021

Residential Real Estate 1-4 Family

First liens

$

132,224 

$

96 

$

113 

$

—

$

209 

$

50 

$

132,483 

Junior liens and lines of credit

71,788 

118 

—

—

118 

38 

71,944 

Total

204,012 

214 

113 

—

327 

88 

204,427 

Residential real estate - construction

20,233 

—

—

—

—

424 

20,657 

Commercial real estate

515,487 

293 

187 

—

480 

6,812 

522,779 

Commercial

244,377 

106 

—

—

106 

60 

244,543 

Consumer

6,368 

27 

11 

—

38 

—

6,406 

Total

$

990,477 

$

640 

$

311 

$

—

$

951 

$

7,384 

$

998,812 
Internal Credit Rating For The Loan Portfolio

Pass

OAEM

Substandard

Doubtful

(Dollars in thousands)

(1-5)

(6)

(7)

(8)

Total

December 31, 2022

Residential Real Estate 1-4 Family

First liens

$

144,377

$

—

$

120

$

—

$

144,497

Junior liens and lines of credit

73,688

—

—

—

73,688

Total

218,065

—

120

—

218,185

Residential real estate - construction

24,393

—

—

—

24,393

Commercial real estate

562,665

1,095

2,902

—

566,662

Commercial

228,085

2,751

4,766

—

235,602

Consumer

6,199

—

—

—

6,199

Total

$

1,039,407

$

3,846

$

7,788

$

—

$

1,051,041

December 31, 2021

Residential Real Estate 1-4 Family

First liens

$

132,433

$

—

$

50

$

—

$

132,483

Junior liens and lines of credit

71,906

—

38

—

71,944

Total

204,339

—

88

—

204,427

Residential real estate - construction

20,233

—

424

—

20,657

Commercial real estate

486,903

19,006

16,870

—

522,779

Commercial

244,315

49

179

—

244,543

Consumer

6,406

—

—

—

6,406

Total

$

962,196

$

19,055

$

17,561

$

—

$

998,812
Troubled Debt Restructuring Loans The following table presents TDR loans as of December 31, 2022 and 2021:

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

December 31, 2022

Residential real estate - construction

—

$

—

$

—

$

—

—

$

—

Residential real estate

5 

619 

619 

—

—

—

Commercial real estate - owner occupied

3 

783 

783 

—

—

—

Commercial real estate - farmland

3 

1,466 

1,466 

—

—

—

Commercial real estate - multi-family residential

—

—

—

—

—

—

Commercial real estate

1 

82 

82 

—

—

—

Total

12 

$

2,950 

$

2,950 

$

—

—

$

—

December 31, 2021

Residential real estate - construction

1 

$

424 

$

—

$

424 

—

$

—

Residential real estate

5 

661 

661 

—

—

—

Commercial real estate - owner occupied

4 

1,161 

1,161 

—

—

—

Commercial real estate - farmland

4 

1,664 

1,664 

—

—

—

Commercial real estate - construction and land development

1 

1,360 

1,360 

—

—

—

Commercial real estate

2 

294 

294 

—

—

—

Total

17 

$

5,564 

$

5,140 

$

424 

—

$

—

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

There were no new TDR loans made during 2022.

The following table presents new TDR loans made during 2021, concession granted and the recorded investment as of December 31, 2022:

New During Period

Twelve Months Ended

Number of

Pre-TDR

After-TDR

Recorded

December 31, 2021

Contracts

Modification

Modification

Investment

Concession

Residential real estate

1 

$

41 

$

50 

$

37 

multiple