Loans Receivable And Credit Quality (Tables)

6 Months Ended

Jun. 30, 2017

Loans Receivable And Credit Quality [Abstract]

Composition Of Loans Receivable

	June 30, 2017			December 31, 2016
			Percentage of			Percentage of
	Balance		total Loans	Balance		total Loans
		(Dollars in Thousands)
Commercial real estate	$	328,145	39.58%	$	321,730	40.27%
Commercial construction		38,597	4.66%		28,606	3.58%
Commercial		39,326	4.74%		39,045	4.89%
Residential real estate		422,056	50.91%		408,872	51.17%
Consumer		944	0.11%		718	0.09%
Total loans		829,068	100.00%		798,971	100.00%
Unearned origination fees		255			144
Allowance for loan losses		(6,761)			(6,517)
	$	822,562		$	792,598

Schedule Of Loan Portfolio By Aggregate Risk Rating

	Pass		Special Mention		Substandard		Doubtful		Total
June 30, 2017		(In Thousands)
Commercial real estate	$	322,564	$	-	$	5,581	$	-	$	328,145
Commercial construction		38,282		-		315		-		38,597
Commercial		39,326		-		-		-		39,326
Residential real estate		421,076		-		980		-		422,056
Consumer		944		-		-		-		944
Total	$	822,192	$	-	$	6,876	$	-	$	829,068
December 31, 2016
Commercial real estate	$	315,579	$	20	$	6,131	$	-	$	321,730
Commercial construction		28,291		-		315		-		28,606
Commercial		38,916		29		100		-		39,045
Residential real estate		407,787		-		1,085		-		408,872
Consumer		718		-		-		-		718
Total	$	791,291	$	49	$	7,631	$	-	$	798,971

Schedule Of Impaired Loans

							Quarter to Date				Year to Date
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
June 30, 2017		(In Thousands)
With no related allowance recorded:
Commercial real estate	$	5,581	$	5,600			$	6,655	$	51	$	7,156	$	112
Commercial construction		315		315				315		2		315		5
Commercial		-		-				50		-		67		-
Residential real estate		980		1,179				1,204		(2)		1,308		3
Consumer		-		-				-		-		-		-
With an allowance recorded:
Commercial real estate	$	1,992	$	2,256	$	28	$	996	$	10	$	664	$	10
Commercial construction		-		-		-		-		-		-		-
Commercial		247		247		41		248		3		258		5
Residential real estate		1,219		1,219		244		1,010		8		943		9
Consumer		-		-		-		-		-		-		-
Total:
Commercial real estate	$	7,573	$	7,856	$	28	$	7,651	$	61	$	7,820	$	122
Commercial construction		315		315		-		315		2		315		5
Commercial		247		247		41		298		3		325		5
Residential real estate		2,199		2,398		244		2,214		6		2,251		12
Consumer		-		-		-		-		-		-		-
	$	10,334	$	10,816	$	313	$	10,478	$	72	$	10,711	$	144
December 31, 2016
With no related allowance recorded:
Commercial real estate	$	8,159	$	8,463							$	5,924	$	255
Commercial construction		315		315								565		19
Commercial		100		160								50		2
Residential real estate		1,516		1,723								1,050		23
Consumer		-		-								-		-
With an allowance recorded:
Commercial real estate	$	-	$	-	$	-					$	-	$	-
Commercial construction		-		-		-						-		-
Commercial		279		279		64						263		12
Residential real estate		811		811		232						914		5
Consumer		-		-		-						-		-
Total:
Commercial real estate	$	8,159	$	8,463	$	-					$	5,924	$	255
Commercial construction		315		315		-						565		19
Commercial		379		439		64						313		14
Residential real estate		2,327		2,534		232						1,964		28
Consumer		-		-		-						-		-
	$	11,180	$	11,751	$	296					$	8,766	$	316

Schedule Of Nonaccrual Loans

	June 30, 2017		December 31, 2016
	(In Thousands)
Commercial real estate	$	108	$	180
Commercial construction		-		-
Commercial		-		100
Residential real estate		830		874
Consumer		-		-
Total	$	938	$	1,154

Schedule Of Past Due Loans

					Greater								Loan
					than								Receivables >
	30-59 Days		60-89 Days		90 Days		Total				Total Loan		90 Days and
	Past Due		Past Due		Past Due		Past Due		Current		Receivables		Accruing
June 30, 2017	(In Thousands)
Commercial real estate	$	3,926	$	275	$	108	$	4,309	$	323,836	$	328,145	$	-
Commercial construction		-		-		-		-		38,597		38,597		-
Commercial		768		30		-		798		38,528		39,326		-
Residential real estate		1,097		-		830		1,927		420,129		422,056		-
Consumer		4		-		-		4		940		944		-
Total	$	5,795	$	305	$	938	$	7,038	$	822,030	$	829,068	$	-
December 31, 2016
Commercial real estate	$	123	$	-	$	180	$	303	$	321,427	$	321,730	$	-
Commercial construction		-		-		-		-		28,606		28,606		-
Commercial		196		-		100		296		38,749		39,045		-
Residential real estate		595		155		929		1,679		407,193		408,872		55
Consumer		-		-		-		-		718		718		-
Total	$	914	$	155	$	1,209	$	2,278	$	796,693	$	798,971	$	55

Activity In The Allowance For Loan Losses

	Commercial Real Estate		Commercial Construction		Commercial		Residential Real Estate		Consumer		Unallocated		Total
Allowance for loan losses	(In Thousands)
Three Months Ending June 30, 2017
Beginning Balance - March 31, 2017	$	2,353	$	670	$	363	$	2,968	$	16	$	249	$	6,619
Charge-offs		-		-		(93)		-		-		-		(93)
Recoveries		-		-		-		-		-		-		-
Provisions		(199)		(197)		223		402		11		(5)		235
Ending Balance - June 30, 2017	$	2,154	$	473	$	493	$	3,370	$	27	$	244	$	6,761
Six Months Ending June 30, 2017
Beginning Balance - December 31, 2016	$	2,349	$	516	$	423	$	2,937	$	15	$	277	$	6,517
Charge-offs		-		-		(122)		(62)		-		-		(184)
Recoveries		13		-		-		-		-		-		13
Provisions		(208)		(43)		192		495		12		(33)		415
Ending Balance - June 30, 2017	$	2,154	$	473	$	493	$	3,370	$	27	$	244	$	6,761
Three Months Ending June 30, 2016
Beginning Balance - March 31, 2016	$	2,157	$	371	$	396	$	2,581	$	30	$	674	$	6,209
Charge-offs		-		-		-		-		-		-		-
Recoveries		-		-		-		-		-		-		-
Provisions		21		56		22		206		-		(235)		70
Ending Balance - June 30, 2016	$	2,178	$	427	$	418	$	2,787	$	30	$	439	$	6,279
Six Months Ending June 30, 2016
Beginning Balance - December 31, 2015	$	2,132	$	294	$	402	$	2,529	$	29	$	682	$	6,068
Charge-offs		(35)		-		-		(9)		-		-		(44)
Recoveries		-		-		-		-		-		-		-
Provisions		81		133		16		267		1		(243)		255
Ending Balance - June 30, 2016	$	2,178	$	427	$	418	$	2,787	$	30	$	439	$	6,279

Allocation For Loan Losses And The Related Portfolio Disaggregated Based On Impairment Methodology

	Commercial Real Estate		Commercial Construction		Commercial		Residential Real Estate		Consumer		Unallocated		Total
	(In Thousands)
June 30, 2017
Allowance for Loan Losses
Ending Balance	$	2,154	$	473	$	493	$	3,370	$	27	$	244	$	6,761
Ending balance: individually evaluated for impairment	$	28	$	-	$	41	$	244	$	-	$	-	$	313
Ending balance: collectively evaluated for impairment	$	2,126	$	473	$	452	$	3,126	$	27	$	244	$	6,448
Loans receivables:
Ending balance	$	328,145	$	38,597	$	39,326	$	422,056	$	944			$	829,068
Ending balance: individually evaluated  for impairment	$	7,573	$	315	$	247	$	2,199	$	-			$	10,334
Ending balance: collectively evaluated for impairment	$	320,572	$	38,282	$	39,079	$	419,857	$	944			$	818,734
December 31, 2016
Allowance for Loan Losses
Ending Balance	$	2,349	$	516	$	423	$	2,937	$	15	$	277	$	6,517
Ending balance: individually evaluated for impairment	$	-	$	-	$	64	$	232	$	-	$	-	$	296
Ending balance: collectively evaluated for impairment	$	2,349	$	516	$	359	$	2,705	$	15	$	277	$	6,221
Loans receivables:
Ending balance	$	321,730	$	28,606	$	39,045	$	408,872	$	718			$	798,971
Ending balance: individually evaluated  for impairment	$	8,159	$	315	$	379	$	2,327	$	-			$	11,180
Ending balance: collectively evaluated for impairment	$	313,571	$	28,291	$	38,666	$	406,545	$	718			$	787,791

Troubled Debt Restructuring Outstanding

	Accrual Loans		Non-Accrual Loans		Total Modifications
June 30, 2017	(In Thousands)
Commercial real estate	$	3,042	$	-	$	3,042
Commercial construction		260		-		260
Commercial		247		-		247
Residential real estate		1,219		-		1,219
Consumer		-		-		-
	$	4,768	$	-	$	4,768
December 31, 2016
Commercial real estate	$	3,078	$	-	$	3,078
Commercial construction		260		-		260
Commercial		250		-		250
Residential real estate		1,243		-		1,243
Consumer		-		-		-
	$	4,831	$	-	$	4,831