Loans and Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2018

Receivables [Abstract]

Schedule of summary loan portfolio

	September 30,			December 31,
	2018			2017
		(unaudited)
Commercial real estate:
Construction	$	10,407		$	5,621
Non-residential		201,913			192,469
Multifamily		12,379			13,103
Residential real estate		44,388			43,300
Commercial and industrial		79,055			67,650
Consumer:
Indirect automobile		272,892			214,823
Home equity		19,559			19,452
Other consumer		10,453			9,929
Total gross loans		651,046			566,347
Net deferred loan costs		7,317			5,288
Allowance for loan losses		(6,310	)		(5,457	)
Total net loans	$	652,053		$	566,178

Schedule of loans by risk rating and portfolio segment

	September 30, 2018
	(unaudited)
			Special
	Pass		Mention		Substandard		Doubtful		Total
Commercial real estate:
Construction	$	10,407	$	-	$	-	$	-	$	10,407
Non-residential		189,009		7,276		1,414		4,214		201,913
Multifamily		11,926		-		-		453		12,379
Residential		41,943		-		-		2,445		44,388
Commercial and industrial		77,768		-		657		630		79,055
Consumer:
Indirect automobile		272,350		-		-		542		272,892
Home equity		19,287		-		-		272		19,559
Other consumer		10,430		-		-		23		10,453
Total	$	633,120	$	7,276	$	2,071	$	8,579	$	651,046
		December 31, 2017
			Special
	Pass		Mention		Substandard		Doubtful		Total
Commercial real estate:
Construction	$	4,495	$	-	$	1,126	$	-	$	5,621
Non-residential		181,720		3,485		7,264		-		192,469
Multifamily		13,103		-		-		-		13,103
Residential		41,115		-		-		2,185		43,300
Commercial and industrial		65,351		125		2,156		18		67,650
Consumer:
Indirect automobile		214,381		-		-		442		214,823
Home equity		19,334		-		-		118		19,452
Other consumer		9,925		-		-		4		9,929
Total	$	549,424	$	3,610	$	10,546	$	2,767	$	566,347

Schedule of classes of the loan portfolio by the aging categories of performing loans and nonaccrual loans

	September 30, 2018
	(unaudited)
							Greater Than
			30-59 Days		60-89 Days		90 Days Past		Total Loans
	Current		Past Due		Past Due		Due		Receivable		Nonaccrual
Commercial real estate:
Construction	$	10,407	$	-	$	-	$	-	$	10,407	$	-
Non-residential		197,367		-		332		4,214		201,913		4,214
Multifamily		11,745		181		-		453		12,379		453
Residential		42,823		849		56		660		44,388		2,366
Commercial and industrial		78,710		16		6		323		79,055		630
Consumer:
Indirect automobile		268,108		3,627		640		517		272,892		542
Home equity		19,255		137		-		167		19,559		265
Other consumer		10,281		112		38		22		10,453		23
Total	$	638,696	$	4,922	$	1,072	$	6,356	$	651,046	$	8,493
		December 31, 2017
							Greater Than
			30-59 Days		60-89 Days		90 Days Past		Total Loans
	Current		Past Due		Past Due		Due		Receivable		Nonaccrual
Commercial real estate:
Construction	$	4,494	$	-	$	-	$	1,127	$	5,621	$	1,127
Non-residential		184,877		2,229		921		4,442		192,469		4,442
Multifamily		12,637		-		466		-		13,103		-
Residential		41,989		450		422		439		43,300		2,100
Commercial and industrial		66,542		69		19		1,020		67,650		1,237
Consumer:
Indirect automobile		209,574		4,022		808		419		214,823		442
Home equity		18,637		676		127		12		19,452		12
Other consumer		9,742		176		7		4		9,929		4
Total	$	548,492	$	7,622	$	2,770	$	7,463	$	566,347	$	9,364

Schedule of information to impaired loans by loan portfolio class

	September 30, 2018
	(unaudited)
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment
With no related allowance recorded:
Commercial real estate:
Construction	$	-	$	-	$	-	$	563
Non-residential		4,214		4,616		-		3,877
Multifamily		453		458		-		227
Residential		2,445		3,070		-		2,315
Commercial and industrial		625		749		-		922
Consumer:
Indirect automobile		211		247		-		210
Home equity		272		282		-		195
Other consumer		2		2		-		1
Total	$	8,222	$	9,424	$	-	$	8,310
With an allowance recorded:
Commercial real estate:
Construction	$	-	$	-	$	-	$	-
Non-residential		-		-		-		451
Multifamily		-		-		-		-
Residential		-		-		-		-
Commercial and industrial		5		5		5		12
Consumer:
Indirect automobile		331		338		83		282
Home equity		-		-		-		-
Other consumer		20		20		11		12
Total	$	356	$	363	$	99	$	757
Total:
Commercial real estate:
Construction	$	-	$	-	$	-	$	563
Non-residential		4,214		4,616		-		4,328
Multifamily		453		458		-		227
Residential		2,445		3,070		-		2,315
Commercial and industrial		630		754		5		934
Consumer:
Indirect automobile		542		585		83		492
Home equity		272		282		-		195
Other consumer		22		22		11		13
Total	$	8,578	$	9,787	$	99	$	9,067

	December 31, 2017
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment
With no related allowance recorded:
Commercial real estate:
Construction	$	1,127	$	1,137	$	-	$	1,127
Non-residential		3,539		3,584		-		2,878
Multifamily		-		-		-		-
Residential		2,184		2,741		-		2,114
Commercial and industrial		1,219		1,700		-		1,325
Consumer:
Indirect automobile		210		237		-		179
Home equity		118		119		-		182
Other consumer		-		1		-		2
Total	$	8,397	$	9,519	$	-	$	7,807
With an allowance recorded:
Commercial real estate:
Construction	$	-	$	-	$	-	$	-
Non-residential		903		903		300		451
Multifamily		-		-		-		-
Residential		-		-		-		-
Commercial and industrial		19		447		19		221
Consumer:
Indirect automobile		232		247		75		292
Home equity		-		-		-		-
Other consumer		3		3		3		18
Total	$	1,157	$	1,600	$	397	$	982
Total:
Commercial real estate:
Construction	$	1,127	$	1,137	$	-	$	1,127
Non-residential		4,442		4,487		300		3,330
Multifamily		-		-		-		-
Residential		2,184		2,741		-		2,114
Commercial and industrial		1,238		2,147		19		1,546
Consumer:
Indirect automobile		442		484		75		471
Home equity		118		119		-		182
Other consumer		3		4		3		19
Total	$	9,554	$	11,119	$	397	$	8,789

Schedule of loan balances by segment

	Commercial Real Estate			Residential			Commercial and Industrial			Consumer			Totals
	Three months ended September 30, 2018
	(unaudited)
Allowance for loan losses:
Beginning balance	$	947		$	513		$	1,082		$	3,397		$	5,939
Provision for loan losses		(77	)		(40	)		(27	)		669			525
Loans charged-off		-			-			-			(372	)		(372	)
Recoveries		-			1			-			217			218
Ending balance	$	870		$	474		$	1,055		$	3,911		$	6,310
Ending balance:
Individually evaluated for impairment	$	-		$	-		$	5		$	94		$	99
Collectively evaluated for impairment	$	870		$	474		$	1,050		$	3,817		$	6,211
Loan receivables:
Ending balance	$	224,699		$	44,387		$	79,055		$	302,905		$	651,046
Ending balance:
Individually evaluated for impairment	$	4,668		$	2,445		$	630		$	836		$	8,579
Collectively evaluated for impairment	$	220,031		$	41,942		$	78,425		$	302,069		$	642,467
	Three months ended September 30, 2017
	(unaudited)
Allowance for loan losses:
Beginning balance	$	936		$	585		$	574		$	3,383		$	5,478
Provision for loan losses		46			3			(60	)		236			225
Loans charged-off		(16	)		-			(181	)		(378	)		(575	)
Recoveries		-			3			-			272			275
Ending balance	$	966		$	591		$	333		$	3,513		$	5,403
Ending balance:
Individually evaluated for impairment	$	-		$	-		$	2		$	74		$	76
Collectively evaluated for impairment	$	966		$	591		$	331		$	3,439		$	5,327
Loan receivables:
Ending balance	$	204,793		$	41,417		$	60,706		$	240,124		$	547,040
Ending balance:
Individually evaluated for impairment	$	3,011		$	1,988		$	2,325		$	652		$	7,976
Collectively evaluated for impairment	$	201,782		$	39,429		$	58,381		$	239,472		$	539,064

	Commercial Real Estate			Residential			Commercial and Industrial			Consumer			Totals
	Nine months ended September 30, 2018
	(unaudited)
Allowance for loan losses:
Beginning balance	$	1,305		$	455		$	879		$	2,818		$	5,457
Provision for loan losses		(132	)		15			91			1,601			1,575
Loans charged-off		(303	)		-			(28	)		(1,125	)		(1,456	)
Recoveries		-			4			113			617			734
Ending balance	$	870		$	474		$	1,055		$	3,911		$	6,310
Ending balance:
Individually evaluated for impairment	$	-		$	-		$	5		$	94		$	99
Collectively evaluated for impairment	$	870		$	474		$	1,050		$	3,817		$	6,211
Loan receivables:
Ending balance	$	224,699		$	44,387		$	79,055		$	302,905		$	651,046
Ending balance:
Individually evaluated for impairment	$	4,668		$	2,445		$	630		$	836		$	8,579
Collectively evaluated for impairment	$	220,031		$	41,942		$	78,425		$	302,069		$	642,467
	Nine months ended September 30, 2017
	(unaudited)
Allowance for loan losses:
Beginning balance	$	1,092		$	1,231		$	775		$	2,778		$	5,876
Provision for loan losses		(202	)		(567	)		152			1,292			675
Loans charged-off		(16	)		(79	)		(596	)		(1,313	)		(2,004	)
Recoveries		92			6			2			756			856
Ending balance	$	966		$	591		$	333		$	3,513		$	5,403
Ending balance:
Individually evaluated for impairment	$	-		$	-		$	2		$	74		$	76
Collectively evaluated for impairment	$	966		$	591		$	331		$	3,439		$	5,327
Loan receivables:
Ending balance	$	204,793		$	41,417		$	60,706		$	240,124		$	547,040
Ending balance:
Individually evaluated for impairment	$	3,011		$	1,988		$	2,325		$	652		$	7,976
Collectively evaluated for impairment	$	201,782		$	39,429		$	58,381		$	239,472		$	539,064

	Commercial Real Estate			Residential			Commercial and Industrial			Consumer			Totals
	December 31, 2017
Allowance for loan losses:
Beginning balance	$	1,092		$	1,231		$	775		$	2,778		$	5,876
Provision for loan losses		137			(707	)		698			772			900
Loans charged-off		(16	)		(78	)		(596	)		(1,724	)		(2,414	)
Recoveries		92			9			2			992			1,095
Ending balance	$	1,305		$	455		$	879		$	2,818		$	5,457
Ending balance:
Individually evaluated for impairment	$	300		$	-		$	19		$	78		$	397
Collectively evaluated for impairment	$	1,005		$	455		$	860		$	2,740		$	5,060
Loan receivables:
Ending balance	$	211,193		$	43,300		$	67,650		$	244,204		$	566,347
Ending balance:
Individually evaluated for impairment	$	5,569		$	2,184		$	1,238		$	563		$	9,554
Collectively evaluated for impairment	$	205,624		$	41,116		$	66,412		$	243,641		$	556,793