LOANS (Tables)

12 Months Ended

Dec. 31, 2019

LOANS

Composition of Net Loans Receivable

(Dollars in thousands)	December 31, 2019		December 31, 2018
Commercial and industrial	$	124,937	$	81,709
Construction		125,291		142,321
Commercial real estate		995,220		878,449
Residential real estate		382,567		370,955
Consumer and other		2,097		2,393
Total loans receivable		1,630,112		1,475,827
Unearned net loan origination fees		(1,266)		(1,052)
Allowance for loan losses		(10,267)		(8,775)
Net loans receivable	$	1,618,579	$	1,466,000

Schedule of Changes in Accretable Yield

	Year ended		Year ended
(Dollars in thousands)	December 31, 2019		December 31, 2018
Accretable yield, beginning balance	$	539	$	—
Acquisition of impaired loans		—		846
Accretable yield amortized to interest income		(314)		(307)
Reclassification from non-accretable difference		—		—
Accretable yield, ending balance	$	225	$	539