Loans and Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2019

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

Schedule of Allowance for Loan Losses by Portfolio Segment

The following tables present the total allowance for loan losses by portfolio segment for the periods presented.

	September 30, 2019
(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, 2018	$	483		$	1,738		$	635	$	145		$	68		$	1,311	$	446		$	350	$	5,176
Charge-offs		(93	)		-			-		(24	)		(12	)		-		-			-		(129	)
Recoveries		2			77			-		14			-			-		-			-		93
Provision (recovery)		7			(80	)		27		11			10			307		(27	)		-		255
Ending balance, September 30, 2019	$	399		$	1,735		$	662	$	146		$	66		$	1,618	$	419		$	350	$	5,395
Ending balances individually evaluated for impairment	$	102		$	142		$	-	$	-		$	-		$	-	$	85		$	-	$	329
Ending balances collectively evaluated for impairment	$	297		$	1,593		$	662	$	146		$	66		$	1,618	$	334		$	350	$	5,066
Loans
Individually evaluated for impairment	$	471		$	2,872		$	253	$	-		$	-		$	538	$	550				$	4,684
Collectively evaluated for impairment		27,622			176,553			66,078		5,559			8,204			219,148		37,379					540,543
Ending balance, September 30, 2019	$	28,093		$	179,425		$	66,331	$	5,559		$	8,204		$	219,686	$	37,929				$	545,227

	September 30, 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		(99	)		-		(312	)		(9	)		(21	)		-		(80	)		-		(521	)
Recoveries		31			50		-			4			-			48		1			-		134
Provision		72			158		9			23			23			114		108			-		507
Ending balance, September 30, 2018	$	522		$	1,817	$	576		$	123		$	74		$	1,336	$	416		$	350	$	5,214

	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

Schedule of Loans by Credit Quality Indicators

Loans by credit quality indicators were as follows at the dates presented:

	September 30, 2019
(In thousands)	Commercial and Industrial		Commercial Real Estate		Construction and Land		Consumer		Student		Residential Real Estate		Home Equity Lines of Credit		Total
Grade:
Pass	$	27,004	$	172,518	$	63,253	$	5,557	$	8,204	$	213,052	$	35,313	$	524,901
Special mention		343		3,514		2,650		2		-		339		141		6,989
Substandard		746		3,393		428		-		-		6,295		2,475		13,337
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total	$	28,093	$	179,425	$	66,331	$	5,559	$	8,204	$	219,686	$	37,929	$	545,227

	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

Schedule of Past Due Status of Loans

The past due status of loans at the dates presented were:

	September 30, 2019
(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	$	18	$	1	$	246	$	265	$	27,828	$	28,093	$	-	$	246
Commercial real estate		-		-		989		989		178,436		179,425		-		989
Construction and land		-		-		-		-		66,331		66,331		-		-
Consumer		2		-		-		2		5,557		5,559		-		-
Student		218		397		867		1,482		6,722		8,204		867		-
Residential real estate		894		-		-		894		218,792		219,686		-		155
Home equity lines of credit		38		-		550		588		37,341		37,929		-		551
Total	$	1,170	$	398	$	2,652	$	4,220	$	541,007	$	545,227	$	867	$	1,941

	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

Schedule of Impaired Loans by Portfolio Segment

The following table presents information related to impaired loans, by portfolio segment, at the dates presented.

	September 30, 2019
(In thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
With no specific allowance recorded:
Commercial and industrial	$	268	$	274	$	-	$	359	$	11
Commercial real estate		1,065		1,065		-		1,222		48
Construction and land		253		253		-		504		23
Residential real estate		538		563		-		547		12
With an allowance recorded:
Commercial and industrial	$	203	$	206	$	102	$	207	$	8
Commercial real estate		1,807		1,821		142		1,810		28
Home equity lines of credit		550		600		85		558		-
Total:
Commercial and industrial	$	471	$	480	$	102	$	566	$	19
Commercial real estate		2,872		2,886		142		3,032		76
Construction and land		253		253		-		504		23
Residential real estate		538		563		-		547		12
Home equity lines of credit		550		600		85		558		-
Total	$	4,684	$	4,782	$	329	$	5,207	$	130

	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