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Loans And Credit Quality (Tables)
 6 Months Ended
Jun. 30, 2021
Loans And Credit Quality [Abstract]  
Composition Of Loans Receivable

June 30, 2021

December 31, 2020

Percentage of

Percentage of

Balance

total Loans

Balance

total Loans

(Dollars in Thousands)

Commercial real estate

$

453,147

40.93%

$

452,251

41.51%

Commercial construction

10,780

0.97%

12,176

1.12%

Commercial

43,763

3.95%

48,114

4.42%

Residential real estate

598,721

54.09%

576,437

52.90%

Consumer

694

0.06%

640

0.05%

Total loans

1,107,105

100.00%

1,089,618

100.00%

Unearned origination fees

148

291

Allowance for loan losses

(11,160)

(10,570)

Net Loans

$

1,096,093

$

1,079,339
Schedule Of Loan Portfolio By Aggregate Risk Rating

Pass

Special Mention

Substandard

Doubtful

Total

June 30, 2021

(In Thousands)

Commercial real estate

$

451,746

$

-

$

1,401

$

-

$

453,147

Commercial construction

10,466

-

314

-

10,780

Commercial

43,763

-

-

-

43,763

Residential real estate

597,086

500

1,135

-

598,721

Consumer

694

-

-

-

694

Total

$

1,103,755

$

500

$

2,850

$

-

$

1,107,105

December 31, 2020

Commercial real estate

$

450,823

$

-

$

1,428

$

-

$

452,251

Commercial construction

11,861

-

315

-

12,176

Commercial

48,114

-

-

-

48,114

Residential real estate

575,344

512

581

-

576,437

Consumer

640

-

-

-

640

Total

$

1,086,782

$

512

$

2,324

$

-

$

1,089,618
Schedule Of Impaired Loans


‎

The following table summarizes information in regards to impaired loans by loan portfolio class as of June 30, 2021 and December 31, 2020, respectively:

June 30, 2021

December 31, 2020

Recorded Investment

Unpaid Principal Balance

Related Allowance

Recorded Investment

Unpaid Principal Balance

Related Allowance

(In Thousands)

With no related allowance recorded:

Commercial real estate

$

829

$

1,069

$

851

$

1,091

Commercial construction

314

314

315

315

Commercial

-

-

-

-

Residential real estate

1,497

1,567

944

1,014

Consumer

-

-

-

-

With an allowance recorded:

Commercial real estate

$

684

$

684

$

9

$

696

$

696

$

21

Commercial construction

-

-

-

-

-

-

Commercial

227

227

20

230

230

23

Residential real estate

589

589

121

604

604

125

Consumer

-

-

-

-

-

-

Total:

Commercial real estate

$

1,513

$

1,753

$

9

$

1,547

$

1,787

$

21

Commercial construction

314

314

-

315

315

-

Commercial

227

227

20

230

230

23

Residential real estate

2,086

2,156

121

1,548

1,618

125

Consumer

-

-

-

-

-

-

$

4,140

$

4,450

$

150

$

3,640

$

3,950

$

169


‎

The following tables summarize information regarding the average recorded investment and interest income recognized on impaired loans by loan portfolio for the three and six months ended June 30, 2021 and 2020, respectively:

Three Months Ended June 30,

2021

2020

Average Recorded Investment

Interest Income Recognized

Average Recorded Investment

Interest Income Recognized

(In Thousands)

With no related allowance recorded:

Commercial real estate

$

835

$

9

$

883

$

11

Commercial construction

315

2

315

2

Commercial

-

-

-

-

Residential real estate

1,424

17

816

9

Consumer

-

-

-

-

With an allowance recorded:

Commercial real estate

$

687

$

3

$

700

$

5

Commercial construction

-

-

-

-

Commercial

228

3

233

3

Residential real estate

593

6

620

6

Consumer

-

-

1

-

Total:

Commercial real estate

$

1,522

$

12

$

1,583

$

16

Commercial construction

315

2

315

2

Commercial

228

3

233

3

Residential real estate

2,017

23

1,436

15

Consumer

-

-

1

-

$

4,082

$

40

$

3,568

$

36

Six Months Ended June 30,

2021

2020

Average Recorded Investment

Interest Income Recognized

Average Recorded Investment

Interest Income Recognized

(In Thousands)

With no related allowance recorded:

Commercial real estate

$

840

$

24

$

1,130

$

24

Commercial construction

315

5

315

5

Commercial

-

-

-

-

Residential real estate

1,264

24

721

16

Consumer

-

-

-

-

With an allowance recorded:

Commercial real estate

$

690

$

10

$

467

$

11

Commercial construction

-

-

-

-

Commercial

228

5

233

5

Residential real estate

596

11

685

11

Consumer

-

-

1

-

Total:

Commercial real estate

$

1,530

$

34

$

1,597

$

35

Commercial construction

315

5

315

5

Commercial

228

5

233

5

Residential real estate

1,860

35

1,406

27

Consumer

-

-

1

-

$

3,933

$

79

$

3,552

$

72
Schedule Of Nonaccrual Loans

June 30, 2021

December 31, 2020

(In Thousands)

Commercial real estate

$

-

$

-

Commercial construction

-

-

Commercial

-

-

Residential real estate

839

274

Consumer

-

-

Total

$

839

$

274
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, 2021

(In Thousands)

Commercial real estate

$

-

$

-

$

-

$

-

$

453,147

$

453,147

$

-

Commercial construction

-

-

-

-

10,780

10,780

-

Commercial

50

-

-

50

43,713

43,763

-

Residential real estate

54

566

259

879

597,842

598,721

-

Consumer

-

-

-

-

694

694

-

Total

$

104

$

566

$

259

$

929

$

1,106,176

$

1,107,105

$

-

December 31, 2020

Commercial real estate

$

514

$

-

$

-

$

514

$

451,737

$

452,251

$

-

Commercial construction

-

-

-

-

12,176

12,176

-

Commercial

-

-

-

-

48,114

48,114

-

Residential real estate

336

-

42

378

576,059

576,437

-

Consumer

2

-

-

2

638

640

-

Total

$

852

$

-

$

42

$

894

$

1,088,724

$

1,089,618

$

-
Activity In 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, 2021

Beginning Balance - March 31, 2021

$

4,687 

$

113 

$

916 

$

4,497 

$

12 

$

809 

$

11,034 

Charge-offs

-

-

-

-

-

-

-

Recoveries

-

-

-

1 

-

-

1 

Provisions

(145)

3 

429 

89 

13 

(264)

125 

Ending Balance - June 30, 2021

$

4,542 

$

116 

$

1,345 

$

4,587 

$

25 

$

545 

$

11,160 

Six Months Ending June 30, 2021

Beginning Balance - December 31, 2020

$

4,379 

$

150 

$

848 

$

4,485 

$

14 

$

694 

$

10,570 

Charge-offs

-

-

-

-

(2)

-

(2)

Recoveries

-

-

-

2 

-

-

2 

Provisions

163 

(34)

497 

100 

13 

(149)

590 

Ending Balance - June 30, 2021

$

4,542 

$

116 

$

1,345 

$

4,587 

$

25 

$

545 

$

11,160 

Three Months Ending June 30, 2020

Beginning Balance - March 31, 2020

$

3,353 

$

121 

$

817 

$

3,627 

$

18 

$

430 

$

8,366 

Charge-offs

-

-

-

-

-

-

-

Recoveries

-

-

-

1 

-

-

1 

Provisions

221 

(8)

(55)

(10)

(2)

504 

650 

Ending Balance - June 30, 2020

$

3,574 

$

113 

$

762 

$

3,618 

$

16 

$

934 

$

9,017 

Six Months Ending June 30, 2020

Beginning Balance - December 31, 2019

$

3,221 

$

121 

$

770 

$

3,488 

$

19 

$

403 

$

8,022 

Charge-offs

-

-

-

-

-

-

-

Recoveries

24 

-

-

1 

-

-

25 

Provisions

329 

(8)

(8)

129 

(3)

531 

970 

Ending Balance - June 30, 2020

$

3,574 

$

113 

$

762 

$

3,618 

$

16 

$

934 

$

9,017 
Allocation Of Allowance For Loan Losses And Related Loan Portfolio

Commercial Real Estate

Commercial Construction

Commercial

Residential Real Estate

Consumer

Unallocated

Total

(In Thousands)

June 30, 2021

Allowance for Loan Losses

Ending Balance

$

4,542

$

116

$

1,345

$

4,587

$

25

$

545

$

11,160

Ending balance: individually evaluated for impairment

$

9

$

-

$

20

$

121

$

-

$

-

$

150

Ending balance: collectively evaluated for impairment

$

4,533

$

116

$

1,325

$

4,466

$

25

$

545

$

11,010

Loans receivables:

Ending balance

$

453,147

$

10,780

$

43,763

$

598,721

$

694

$

1,107,105

Ending balance: individually evaluated for impairment

$

1,513

$

314

$

227

$

2,086

$

-

$

4,140

Ending balance: collectively evaluated for impairment

$

451,634

$

10,466

$

43,536

$

596,635

$

694

$

1,102,965

December 31, 2020

Allowance for Loan Losses

Ending Balance

$

4,379

$

150

$

848

$

4,485

$

14

$

694

$

10,570

Ending balance: individually evaluated for impairment

$

21

$

-

$

23

$

125

$

-

$

-

$

169

Ending balance: collectively evaluated for impairment

$

4,358

$

150

$

825

$

4,360

$

14

$

694

$

10,401

Loans receivables:

Ending balance

$

452,251

$

12,176

$

48,114

$

576,437

$

640

$

1,089,618

Ending balance: individually evaluated for impairment

$

1,547

$

315

$

230

$

1,548

$

-

$

3,640

Ending balance: collectively evaluated for impairment

$

450,704

$

11,861

$

47,884

$

574,889

$

640

$

1,085,978
Troubled Debt Restructuring Outstanding

Accrual Loans

Non-Accrual Loans

Total Modifications

June 30, 2021

(In Thousands)

Commercial real estate

$

1,100 

$

-

$

1,100 

Commercial construction

259 

-

259 

Commercial

227 

-

227 

Residential real estate

918 

14 

932 

Consumer

-

-

-

$

2,504 

$

14 

$

2,518 

December 31, 2020

Commercial real estate

$

1,125 

$

-

$

1,125 

Commercial construction

260 

-

260 

Commercial

230 

-

230 

Residential real estate

944 

15 

959 

Consumer

-

-

-

$

2,559 

$

15 

$

2,574