Loans and allowance for loan losses (Tables)

3 Months Ended

Mar. 31, 2019

Receivables [Abstract]

Schedule of summary loan portfolio

	March 31,			December 31,
	2019			2018
	(unaudited)
Commercial real estate loans:
Construction	$	9,131		$	12,870
Non-residential		206,736			197,499
Multi-family		18,495			12,661
Residential real estate loans		40,793			43,534
Commercial loans:		83,655			83,203
Consumer loans:
Indirect automobile		316,866			297,144
Home equity		19,132			19,269
Other consumer		10,639			10,826
Total gross loans		705,447			677,006
Net deferred loan costs		8,618			8,042
Allowance for loan losses		(7,183	)		(6,646	)
Total net loans	$	706,882		$	678,402

Schedule of loans by risk rating and portfolio segment

	March 31, 2019
			Special
	Pass		Mention		Substandard		Doubtful		Total
	(unaudited)
Commercial real estate:
Construction	$	9,131	$	-	$	-	$	-	$	9,131
Non-residential		196,250		6,804		3,682		-		206,736
Multifamily		18,102		-		393		-		18,495
Residential		38,510		-		-		2,283		40,793
Commercial and industrial		81,925		696		1,034		-		83,655
Consumer:
Indirect automobile		316,342		-		-		524		316,866
Home equity		18,939		-		-		193		19,132
Other consumer		10,635		-		-		4		10,639
Total	$	689,834	$	7,500	$	5,109	$	3,004	$	705,447

	December 31, 2018
			Special
	Pass		Mention		Substandard		Doubtful		Total
Commercial real estate:
Construction	$	12,870	$	-	$	-	$	-	$	12,870
Non-residential		186,020		6,840		4,639		-		197,499
Multifamily		12,261		-		400		-		12,661
Residential		41,249		-		-		2,285		43,534
Commercial and industrial		81,111		965		1,124		3		83,203
Consumer:
Indirect automobile		296,692		-		-		452		297,144
Home equity		19,071		-		-		198		19,269
Other consumer		10,816		-		-		10		10,826
Total	$	660,090	$	7,805	$	6,163	$	2,948	$	677,006

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

	March 31, 2019
							Greater Than
			30-59 Days		60-89 Days		90 Days Past		Total Loans
	Current		Past Due		Past Due		Due		Receivable		Non-accrual
	(unaudited)
Commercial real estate:
Construction	$	9,131	$	-	$	-	$	-	$	9,131	$	-
Non-residential		201,853		2,128		248		2,507		206,736		2,507
Multifamily		18,124		72		299		-		18,495		-
Residential		39,587		120		526		560		40,793		2,208
Commercial and industrial		83,329		326		-		-		83,655		280
Consumer:
Indirect automobile		311,512		4,271		585		498		316,866		524
Home equity		18,269		493		275		95		19,132		192
Other consumer		10,397		236		2		4		10,639		4
Total	$	692,202	$	7,646	$	1,935	$	3,664	$	705,447	$	5,715

	December 31, 2018
							Greater Than
			30-59 Days		60-89 Days		90 Days Past		Total Loans
	Current		Past Due		Past Due		Due		Receivable		Non-accrual
Commercial real estate:
Construction	$	12,870	$	-	$	-	$	-	$	12,870	$	-
Non-residential		193,273		1,466		253		2,507		197,499		2,507
Multifamily		12,487		174		-		-		12,661		-
Residential		42,083		305		615		531		43,534		2,208
Commercial and industrial		82,992		206		1		4		83,203		297
Consumer:
Indirect automobile		291,369		4,429		915		431		297,144		452
Home equity		18,905		264		-		100		19,269		198
Other consumer		10,601		186		29		10		10,826		10
Total	$	664,580	$	7,030	$	1,813	$	3,583	$	677,006	$	5,672

Schedule of information to impaired loans by loan portfolio class

	March 31, 2019
	Recorded  Investment		Unpaid  Principal  Balance		Related  Allowance		Average  Recorded  Investment
With no related allowance recorded:	(unaudited)
Commercial real estate:
Construction	$	-	$	-	$	-	$	-
Non-residential		2,507		2,601		-		2,507
Multifamily		-		-		-		-
Residential		2,208		2,515		-		2,246
Commercial and industrial		280		409		-		289
Consumer:
Indirect automobile		337		392		-		305
Home equity		192		208		-		195
Other consumer		4		4		-		7
Total	$	5,528	$	6,129	$	-	$	5,549
With an allowance recorded:
Commercial real estate:
Construction	$	-	$	-	$	-	$	-
Non-residential		-		-		-		-
Multifamily		-		-		-		-
Residential		-		-		-		-
Commercial and industrial		-		-		-		-
Consumer:
Indirect automobile		187		208		65		183
Home equity		-		-		-		-
Other consumer		-		-		-		-
Total	$	187	$	208	$	65	$	183
Total:
Commercial real estate:
Construction	$	-	$	-	$	-	$	-
Non-residential		2,507		2,601		-		2,507
Multifamily		-		-		-		-
Residential		2,208		2,515		-		2,246
Commercial and industrial		280		409		-		289
Consumer:
Indirect automobile		524		600		65		488
Home equity		192		208		-		195
Other consumer		4		4		-		7
Total	$	5,715	$	6,337	$	65	$	5,732

	December 31, 2018
	Recorded Investment		Unpaid  Principal  Balance		Related  Allowance		Average  Recorded  Investment
With no related allowance recorded:
Commercial real estate:
Construction	$	-	$	-	$	-	$	563
Non-residential		2,507		2,601		-		3,023
Multifamily		-		-		-		-
Residential		2,208		2,523		-		2,196
Commercial and industrial		297		421		-		758
Consumer:
Indirect automobile		274		320		-		242
Home equity		198		211		-		158
Other consumer		10		10		-		5
Total	$	5,494	$	6,086	$	-	$	6,945
With an allowance recorded:
Commercial real estate:
Construction	$	-	$	-	$	-	$	-
Non-residential		-		-		-		451
Multifamily		-		-		-		-
Residential		-		-		-		-
Commercial and industrial		-		-		-		9
Consumer:
Indirect automobile		178		191		50		205
Home equity		-		-		-		-
Other consumer		-		-		-		2
Total	$	178	$	191	$	50	$	667
Total:
Commercial real estate:
Construction	$	-	$	-	$	-	$	563
Non-residential		2,507		2,601		-		3,474
Multifamily		-		-		-		-
Residential		2,208		2,523		-		2,196
Commercial and industrial		297		421		-		767
Consumer:
Indirect automobile		452		511		50		447
Home equity		198		211		-		158
Other consumer		10		10		-		7
Total	$	5,672	$	6,277	$	50	$	7,612

Schedule of loan balances by segment

	Commercial Real Estate		Residential			Commercial and Industrial			Indirect			Consumer			Totals
	Three months ended March 31, 2019
Allowance for loan losses:		(unaudited)
Beginning balance	$	1,080	$	320		$	1,542		$	2,915		$	789		$	6,646
Provision (credit) for loan losses		79		(35	)		37			703			(4	)		780
Loans charged-off		-		-			(5	)		(495	)		(6	)		(506	)
Recoveries		-		1			1			257			4			263
Ending balance	$	1,159	$	286		$	1,575		$	3,380		$	783		$	7,183
Ending balance:
Individually evaluated for impairment	$	-	$	-		$	-		$	65		$	-		$	65
Collectively evaluated for impairment	$	1,159	$	286		$	1,575		$	3,315		$	783		$	7,118
Loan receivables:
Ending balance	$	234,362	$	40,793		$	83,655		$	316,866		$	29,771		$	705,447
Ending balance:
Individually evaluated for impairment	$	2,507	$	2,283		$	280		$	524		$	196		$	5,790
Collectively evaluated for impairment	$	231,855	$	38,510		$	83,375		$	316,342		$	29,575		$	699,657

	Commercial Real Estate			Residential		Commercial and Industrial			Indirect			Consumer			Totals
	Three months ended March 31, 2018
Allowance for loan losses:		(unaudited)
Beginning balance	$	1,305		$	455	$	879		$	2,150		$	668		$	5,457
Provision (credit) for loan losses		(105	)		6		(13	)		570			67			525
Loans charged-off		(303	)		-		(19	)		(373	)		(8	)		(703	)
Recoveries		-			1		103			230			7			341
Ending balance	$	897		$	462	$	950		$	2,577		$	734		$	5,620
Ending balance:
Individually evaluated for impairment	$	-		$	-	$	-		$	75		$	-		$	75
Collectively evaluated for impairment	$	897		$	462	$	950		$	2,502		$	734		$	5,545
Loan receivables:
Ending balance	$	215,899		$	41,482	$	68,328		$	223,653		$	29,895		$	579,257
Ending balance:
Individually evaluated for impairment	$	6,354		$	2,357	$	1,154		$	448		$	398		$	10,711
Collectively evaluated for impairment	$	209,545		$	39,125	$	67,174		$	223,205		$	29,497		$	568,546

	Commercial Real Estate			Residential			Commercial and Industrial			Indirect			Consumer			Totals
	December 31, 2018
Allowance for loan losses:
Beginning balance	$	1,305		$	455		$	879		$	2,150		$	668		$	5,457
Provision (credit) for loan losses		(45	)		(140	)		578			1,539			168			2,100
Loans charged-off		(303	)		-			(37	)		(1,607	)		(66	)		(2,013	)
Recoveries		123			5			122			833			19			1,102
Ending balance	$	1,080		$	320		$	1,542		$	2,915		$	789		$	6,646
Ending balance:
Individually evaluated for impairment	$	-		$	-		$	-		$	50		$	-		$	50
Collectively evaluated for impairment	$	1,080		$	320		$	1,542		$	2,865		$	789		$	6,596
Loan receivables:
Ending balance	$	223,030		$	43,534		$	83,203		$	297,144		$	30,095		$	677,006
Ending balance:
Individually evaluated for impairment	$	2,507		$	2,285		$	297		$	452		$	208		$	5,749
Collectively evaluated for impairment	$	220,523		$	41,249		$	82,906		$	296,692		$	29,887		$	671,257