Loans and Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2019

Loans and Allowance for Loan Losses

Schedule of Composition of Net Loans

(in 000’s)	September 30, 2019		December 31, 2018
Commercial and industrial	$	1,340	$	1,545
Commercial real estate		14,293		17,038
Consumer real estate		1,083		1,226
Consumer loans other		649		734
Total loans	$	17,365	$	20,543

Schedule of allowances for loan losses

(in 000's)	For the Three months ended September 30, 2019
	Commercial and industrial			Commercial real estate			Consumer real estate			Consumer loans Other			Unallocated			Total
Beginning balance	$	49		$	185		$	2		$	-		$	-		$	236
(Credit) provision for loan losses		(11	)		3			(1	)		-			(1	)		(10	)
Charge-offs		-			(20	)		-			(1	)		-			(21	)
Recoveries		-			12			-			1			1			14
Net charge-offs		-			(8	)		-			-			1			(7	)
Ending balance	$	38		$	180		$	1		$	-		$	-		$	219

(in 000's)	For the Three months ended September 30, 2018
	Commercial and industrial		Commercial real Estate			Consumer real estate		Consumer loans Other			Unallocated			Total
Beginning balance	$	3	$	150		$	4	$	8		$	15		$	180
Provision (credit) for loan losses		80		(37	)		-		(8	)		(15	)		20
Charge-offs		-		-			-		(1	)		-			(1	)
Recoveries		1		1			-		1			-			3
Net recoveries		1		1			-		-			-			2
Ending balance	$	84	$	114		$	4	$	-		$	-		$	202

(in 000's)	For the Nine months ended September 30, 2019
	Commercial and industrial			Commercial real estate			Consumer real estate			Consumer loans Other			Unallocated			Total
Beginning balance	$	102		$	139		$	4		$	-		$	33		$	278
Provision (credit) for loan losses		(48	)		62			(12	)		(1	)		(33	)		(32	)
Charge-offs		(19	)		(41	)		(12	)		(7	)		-			(79	)
Recoveries		3			20			21			8			-			52
Net (charge-offs) recoveries		(16	)		(21	)		9			1			-			(27	)
Ending balance	$	38		$	180		$	1		$	-		$	-		$	219

(in 000's)	For the Nine months ended September 30, 2018
	Commercial and industrial			Commercial real estate			Consumer real estate			Consumer loans Other			Unallocated		Total
Beginning balance	$	7		$	155		$	10		$	8		$	-	$	180
Provision (credit) for loan losses		84			(26	)		(6	)		(7	)				45
Charge-offs		(10	)		(18	)		-			(8	)		-		(36	)
Recoveries		3			3			-			7			-		13
Net charge-offs		(7	)		(15	)		-			(1	)		-		(23	)
Ending balance	$	84		$	114		$	4		$	-		$	-	$	202

(in 000's)	September 30, 2019
	Commercial and industrial		Commercial real Estate		Consumer real estate		Consumer loans Other		Unallocated		Total
Period-end amount allocated to:
Loans individually evaluated for impairment	$	-	$	81	$	-	$	-	$	-	$	81
Loans collectively evaluated for impairment		38		99		1		-		-		138
	$	38	$	180	$	1	$	-	$	-	$	219
Loans, ending balance:
Loans individually evaluated for impairment	$	76	$	1,249	$	-	$	-	$	-	$	1,325
Loans collectively evaluated for impairment		1,264		13,044		1,083		649		-		16,040
Total	$	1,340	$	14,293	$	1,083	$	649	$	-	$	17,365

(in 000's)	December 31, 2018
	Commercial and industrial		Commercial real Estate		Consumer real estate		Consumer loans Other		Unallocated		Total
Period-end amount allocated to:
Loans individually evaluated for impairment	$	95	$	44	$	-	$	-	$	-	$	139
Loans collectively evaluated for impairment		7		95		4		-		33		139
	$	102	$	139	$	4	$	-	$	33	$	278
Loans, ending balance:
Loans individually evaluated for impairment	$	289	$	1,148	$	-	$	-	$	-	$	1,437
Loans collectively evaluated for impairment		1,256		15,890		1,226		734		-		19,106
Total	$	1,545	$	17,038	$	1,226	$	734	$	-	$	20,543

Schdule of past due loans

			Accruing		Nonaccrual
	Loans		Loans 90 or		Loans 90 or
(In 000's)	30-89 Days		More Days		More Days		Total Past		Current
	Past Due		Past Due		Past Due		Due Loans		Loans		Total Loans
Commercial and industrial:
Commercial	$	-	$	-	$	-	$	-	$	1,039	$	1,039
SBA loans		-		-		-		-		-		-
Asset-based		-		-		76		76		225		301
Total Commercial and industrial		-		-		76		76		1,264		1,340
Commercial real estate:
Commercial mortgages		-		-		1,010		1,010		6,358		7,368
SBA loans		-		-		60		60		175		235
Construction		-		-		-		-		-		-
Religious organizations		369		-		179		548		6,142		6,690
Total Commercial real estate		369		-		1,249		1,618		12,675		14,293
Consumer real estate:
Home equity loans		-		148		240		388		151		539
Home equity lines of credit		-		-		-		-		13		13
1-4 family residential mortgages		-		-		-		-		531		531
Total consumer real estate		-		148		240		388		695		1,083
Total real estate		369		148		1,489		2,006		13,370		15,376
Consumer and other:
Student loans		6		5		-		11		553		564
Other		1		-		-		1		84		85
Total consumer and other		7		5		-		12		637		649
Total loans	$	376	$	153	$	1,565	$	2,094	$	15,271	$	17,365

			Accruing		Nonaccrual
	Loans		Loans 90 or		Loans 90 or
	30-89 Days		More Days		More Days		Total Past		Current
(In 000's)	Past Due		Past Due		Past Due		Due Loans		Loans		Total Loans
Commercial and industrial:
Commercial	$	-	$	-	$	-	$	-	$	1,055	$	1,055
SBA Loans		-		-		18		18		-		18
Asset-based		-		-		76		76		396		472
Total Commercial and industrial		-		-		94		94		1,451		1,545
Commercial real estate:
Commercial mortgages		-		45		902		947		8,585		9,532
SBA loans		-		-		69		69		179		248
Construction		-		-		-		-		-		-
Religious organizations		-		-		179		179		7,078		7,257
Total Commercial real estate		-		45		1,150		1,195		15,843		17,038
Consumer real estate:
Home equity loans		-		150		281		431		197		628
Home equity lines of credit		-		-		-		-		15		15
1-4 family residential mortgages		-		-		85		85		498		583
Total consumer real estate		-		150		366		516		710		1,226
Total real estate		-		195		1,516		1,711		16,553		18,264
Consumer and other:
Student loans		14		57		-		71		551		622
Other		1		-		-		1		111		112
Total consumer and other		15		57		-		72		662		734
Total loans	$	15	$	252	$	1,661	$	1,928	$	18,615	$	20,543

Schdule of Bank loan by class according to their credit quality indicators

(In 000's)	Commercial Loans September 30, 2019
	Good/ Excellent		Satisfactory		Pass		Special Mention		Substandard		Doubtful		Total
Commercial and industrial:
Commercial	$	250	$	578	$	-	$	-	$	211	$	-	$	1,039
SBA loans		-		-		-		-		-		-		-
Asset-based		-		225		-		-		-		76		301
		250		803		-		-		211		76		1,340
Commercial real estate:
Commercial mortgages		-		4,864		1,705		-		613		186		7,368
SBA Loans		-		175		-		-		60		-		235
Construction		-		-		-		-		-		-		-
Religious organizations		8		4,469		2,034		-		179		-		6,690
		8		9,508		3,739		-		852		186		14,293
Total commercial loans	$	258	$	10,311	$	3,739	$	-	$	1,063	$	262	$	15,633

	Residential Mortgage and Consumer Loans September 30, 2019
	Performing		Nonperforming		Total
Consumer Real Estate:
Home equity	$	151	$	388	$	539
Home equity line of credit		13		-		13
1-4 family residential mortgages		291		-		531
		455		388		1,083
Consumer Other:
Student loans		559		5		564
Other		85		-		85
		644		5		649
Total  consumer loans	$	1,099	$	393	$	1,732

	Residential Mortgage and Consumer Loans December 31, 2018
	Performing		Nonperforming		Total
Consumer Real Estate:
Home equity	$	197	$	431	$	628
Home equity line of credit		15		-		15
1-4 family residential mortgages		498		85		583
		710		516		1,226
Consumer Other:
Student loans		565		57		622
Other		112		-		112
		677		57		734
Total  consumer loans	$	1,387	$	573	$	1,960

Schedule of Impaired Loan

(In 000's)	Unpaid Contractual		Recorded Investment		Recorded Investment		Total
	Principal		With No		With		Recorded		Related
	Balance		Allowance		Allowance		Investment		Allowance
Commercial and industrial:
Commercial	$	-	$	-	$	-	$	-	$	-
SBA loans		-		-		-		-		-
Asset-based		76		76		-		76		-
Total commercial and industrial		76		76		-		76		-
Commercial real estate:
Commercial mortgages		1,010		799		211		1,010		81
SBA Loans		60		60		-		60		-
Religious organizations		179		179		-		179		-
Total commercial real estate		1,249		1,038		211		1,249		81
Total loans	$	1,325	$	1,114	$	211	$	1,325	$	81

(In 000's)	Unpaid Contractual		Recorded  Investment		Recorded  Investment		Total
	Principal		With No		With		Recorded		Related
	Balance		Allowance		Allowance		Investment		Allowance
Commercial and industrial:
Commercial	$	213	$	-	$	213	$	213	$	81
SBA		-		-		-		-		-
Asset based		76		-		76		76		14
Total Commercial and industrial		289		-		289		289		95
Commercial real estate:
Commercial mortgages		898		739		159		898		13
SBA  Loans		71		71		-		71		-
Religious Organizations		179		-		179		179		31
Total Commercial real estate		1,148		810		338		1,148		44
Total loans	$	1,437	$	810	$	627	$	1,437	$	139

(In 000's)	Three Months Ended  September 30, 2019				Three Months Ended  September 30, 2018
	Average		Interest recognized		Average		Interest recognized
	Recorded		on impaired		Recorded		on impaired
	Investment		Loans		Investment		Loans
Commercial and industrial:
Commercial	$	-	$	-	$	25	$	-
SBA  loans		-		-		-		-
Asset-based		76		-		76		-
Total commercial and industrial		76		-		101		-
Commercial real estate:
Commercial mortgages		1,104		5		936		1
SBA loans		62		-		73		-
Religious organizations		179		-		180		-
Total commercial real estate		1,345		5		1,189		-
Total loans	$	1,421	$	5	$	1,290	$	1

(In 000's)	Nine Months Ended  September 30, 2019				Nine Months Ended  September 30, 2018
	Average		Interest recognized		Average		Interest recognized
	Recorded		on impaired		Recorded		on impaired
	Investment		Loans		Investment		Loans
Commercial and industrial:
Commercial	$	183	$	-	$	8	$	2
SBA  loans		-		-		-		-
Asset-based		76		-		76		-
Total commercial and industrial		259		-		84		2
Commercial real estate:
Commercial mortgages		847		-		946		1
SBA loans		65		-		76		-
Religious organizations		179		-		182		-
Total commercial real estate		1,091		-		1,204		-
Total loans	$	1,350	$	-	$	1,288	$	3