Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2018

Accounts Notes Loans And Financing Receivable Gross Allowance And Net [Abstract]

Schedule of Allowance for Loan Losses by Portfolio Segment

The following table presents the activity in the allowance for loan losses by portfolio segment for each of the years ending December 31, 2018, 2017 and 2016.

	December 31, 2018
(In thousands)	Commercial and Industrial			Commercial Real Estate			Construction and Land			Consumer			Student			Residential Real Estate			Home Equity Lines of Credit			Unallocated		Total
Allowance for Loan Losses
Beginning balance, December 31, 2017	$	518		$	1,609		$	879		$	105		$	72		$	1,174		$	387		$	350	$	5,094
Charge-offs		(106	)		(47	)		(312	)		(14	)		(24	)		(200	)		(80	)		-		(783	)
Recoveries		35			70			-			4			-			248			1			-		358
Provision		36			106			68			50			20			89			138			-		507
Ending balance, December 31, 2018	$	483		$	1,738		$	635		$	145		$	68		$	1,311		$	446		$	350	$	5,176
Ending balances individually evaluated for impairment	$	176		$	159		$	-		$	-		$	-		$	-		$	68		$	-	$	403
Ending balances collectively evaluated for impairment	$	307		$	1,579		$	635		$	145		$	68		$	1,311		$	378		$	350	$	4,773
Loans
Individually evaluated for impairment	$	522		$	3,191		$	2,679		$	-		$	-		$	707		$	567				$	7,666
Collectively evaluated for impairment		26,199			184,606			68,730			5,562			9,158			205,238			42,205					541,698
Ending balance, December 31, 2018	$	26,721		$	187,797		$	71,409		$	5,562		$	9,158		$	205,945		$	42,772				$	549,364

	December 31, 2017
(In thousands)	Commercial and Industrial			Commercial Real Estate			Construction and Land		Consumer			Student			Residential Real Estate			Home Equity Lines of Credit		Unallocated			Total
Allowance for Loan Losses
Beginning balance, December 31, 2016	$	561		$	1,569		$	661	$	21		$	76		$	943		$	307	$	387		$	4,525
Charge-offs		(19	)		(476	)		-		(114	)		(31	)		(51	)		-		-			(691	)
Recoveries		154			575			-		2			-			6			3		-			740
Provision (recovery)		(178	)		(59	)		218		196			27			276			77		(37	)		520
Ending balance, December 31, 2017	$	518		$	1,609		$	879	$	105		$	72		$	1,174		$	387	$	350		$	5,094
Ending balances individually evaluated for impairment	$	247		$	257		$	357	$	-		$	-		$	-		$	51	$	-		$	912
Ending balances collectively evaluated for impairment	$	271		$	1,352		$	522	$	105		$	72		$	1,174		$	336	$	350		$	4,182
Loans
Individually evaluated for impairment	$	758		$	3,631		$	5,234	$	-		$	-		$	581		$	658				$	10,862
Collectively evaluated for impairment		23,655			173,196			48,928		5,068			10,677			186,523			43,890					491,937
Ending balance, December 31, 2017	$	24,413		$	176,827		$	54,162	$	5,068		$	10,677		$	187,104		$	44,548				$	502,799

	December 31, 2016
(In thousands)	Commercial and Industrial			Commercial Real Estate			Construction and Land			Consumer			Student			Residential Real Estate			Home Equity Lines of Credit			Unallocated		Total
Allowance for Loan Losses
Beginning balance, December 31, 2015	$	526		$	1,162		$	924		$	13		$	117		$	886		$	356		$	209	$	4,193
Charge-offs		(226	)		(380	)		-			(46	)		(36	)		(36	)		-			-		(724	)
Recoveries		1,527			24			-			10			-			-			3			-		1,564
Provision (recovery)		(1,266	)		763			(263	)		44			(5	)		93			(52	)		178		(508	)
Ending balance, December 31, 2016	$	561		$	1,569		$	661		$	21		$	76		$	943		$	307		$	387	$	4,525
Ending balances individually evaluated for impairment	$	100		$	398		$	309		$	-		$	-		$	73		$	-		$	-	$	880
Ending balances collectively evaluated for impairment	$	461		$	1,171		$	352		$	21		$	76		$	870		$	307		$	387	$	3,645
Loans
Individually evaluated for impairment	$	227		$	3,273		$	3,504		$	-		$	-		$	1,410		$	70				$	8,484
Collectively evaluated for impairment		25,508			161,998			46,273			3,100			13,006			160,973			43,791					454,649
Ending balance, December 31, 2016	$	25,735		$	165,271		$	49,777		$	3,100		$	13,006		$	162,383		$	43,861				$	463,133

Schedule of Loans by Credit Quality Indicators

Loans by credit quality indicators as of December 31, 2018 and 2017 were as follows:

	December 31, 2018
(In thousands)	Commercial and Industrial		Commercial Real Estate		Construction and Land		Consumer		Student		Residential Real Estate		Home Equity Lines of Credit		Total
Grade:
Pass	$	24,285	$	178,525	$	67,767	$	5,559	$	9,158	$	198,566	$	39,145	$	523,005
Special mention		1,540		4,643		2,282		3		-		1,496		424		10,388
Substandard		896		4,629		1,360		-		-		5,883		3,203		15,971
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total	$	26,721	$	187,797	$	71,409	$	5,562	$	9,158	$	205,945	$	42,772	$	549,364

	December 31, 2017
(In thousands)	Commercial and Industrial		Commercial Real Estate		Construction and Land		Consumer		Student		Residential Real Estate		Home Equity Lines of Credit		Total
Grade:
Pass	$	21,769	$	167,625	$	44,006	$	5,065	$	10,677	$	180,119	$	40,373	$	469,634
Special mention		1,152		4,243		143		3		-		763		813		7,117
Substandard		1,492		4,959		10,013		-		-		6,222		3,362		26,048
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total	$	24,413	$	176,827	$	54,162	$	5,068	$	10,677	$	187,104	$	44,548	$	502,799

Schedule of Past Due Status of Loans

The past due status of loans as of December 31, 2018 and 2017 follows:

	December 31, 2018
(In thousands)	30-59 Days Past Due		60-89 Days Past Due		90+ Days Past Due		Total Past Due		Current		Total Loans		90+ Days Past Due and Accruing		Nonaccruals
Commercial and industrial	$	365	$	-	$	77	$	442	$	26,279	$	26,721	$	-	$	135
Commercial real estate		372		-		974		1,346		186,451		187,797		-		974
Construction and land		1,419		-		-		1,419		69,990		71,409		-		-
Consumer		7		18		-		25		5,537		5,562		-		-
Student		747		238		1,227		2,212		6,946		9,158		1,227		-
Residential real estate		278		131		-		409		205,536		205,945		-		317
Home equity lines of credit		403		-		567		970		41,802		42,772		-		567
Total	$	3,591	$	387	$	2,845	$	6,823	$	542,541	$	549,364	$	1,227	$	1,993

	December 31, 2017
(In thousands)	30-59 Days Past Due		60-89 Days Past Due		90+ Days Past Due		Total Past Due		Current		Total Loans		90+ Days Past Due and Accruing		Nonaccruals
Commercial and industrial	$	83	$	153	$	60	$	296	$	24,117	$	24,413	$	49	$	140
Commercial real estate		-		1,404		-		1,404		175,423		176,827		-		936
Construction and land		430		-		1,335		1,765		52,397		54,162		-		1,335
Consumer		5		22		-		27		5,041		5,068		-		-
Student		504		512		1,616		2,632		8,045		10,677		1,616		-
Residential real estate		637		153		-		790		186,314		187,104		-		181
Home equity lines of credit		337		346		588		1,271		43,277		44,548		-		588
Total	$	1,996	$	2,590	$	3,599	$	8,185	$	494,614	$	502,799	$	1,665	$	3,180

Schedule of Impaired Loans by Portfolio Segment

The following table presents information related to impaired loans by portfolio segment as of December 31, 2018 and 2017.

	December 31, 2018
(In thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
With no specific allowance recorded:
Commercial and industrial	$	61	$	66	$	-	$	84	$	2
Commercial real estate		1,378		1,378		-		1,413		74
Construction and land		2,679		2,679		-		3,289		145
Residential real estate		707		727		-		720		18
With an allowance recorded:
Commercial and industrial	$	461	$	493	$	176	$	587	$	21
Commercial real estate		1,813		1,827		159		1,998		39
Home equity lines of credit		567		600		68		578		-
Total:
Commercial and industrial	$	522	$	559	$	176	$	671	$	23
Commercial real estate		3,191		3,205		159		3,411		113
Construction and land		2,679		2,679		-		3,289		145
Residential real estate		707		727		-		720		18
Home equity lines of credit		567		600		68		578		-
Total	$	7,666	$	7,770	$	403	$	8,669	$	299

	December 31, 2017
(In thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
With no specific allowance recorded:
Commercial real estate	$	2,383	$	2,383	$	-	$	2,429	$	124
Construction and land		1,829		1,881		-		2,041		56
Residential real estate		581		585		-		591		22
Home equity lines of credit		70		70		-		70		3
With an allowance recorded:
Commercial and industrial	$	758	$	788	$	247	$	791	$	29
Commercial real estate		1,248		1,248		257		1,256		58
Construction and land		3,405		3,433		357		3,451		134
Home equity lines of credit		588		600		51		594		5
Total:
Commercial and industrial	$	758	$	788	$	247	$	791	$	29
Commercial real estate		3,631		3,631		257		3,685		182
Construction and land		5,234		5,314		357		5,492		190
Residential real estate		581		585		-		591		22
Home equity lines of credit		658		670		51		664		8
Total	$	10,862	$	10,988	$	912	$	11,223	$	431