0001144204-19-039724.txt : 20190814 0001144204-19-039724.hdr.sgml : 20190814 20190814081431 ACCESSION NUMBER: 0001144204-19-039724 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 94 CONFORMED PERIOD OF REPORT: 20190630 FILED AS OF DATE: 20190814 DATE AS OF CHANGE: 20190814 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Rhinebeck Bancorp, Inc. CENTRAL INDEX KEY: 0001751783 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036] IRS NUMBER: 000000000 STATE OF INCORPORATION: MD FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 001-38779 FILM NUMBER: 191022911 BUSINESS ADDRESS: STREET 1: 2 JEFFERSON PLAZA CITY: POUGHKEEPSIE STATE: NY ZIP: 12601 BUSINESS PHONE: 845-454-8555 MAIL ADDRESS: STREET 1: 2 JEFFERSON PLAZA CITY: POUGHKEEPSIE STATE: NY ZIP: 12601 10-Q 1 tv526563_10q.htm FORM 10-Q

 

 

 

United States

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

FORM 10-Q

 

xQuarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

 

For the Quarterly Period Ended June 30, 2019

 

or

 

¨Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

 

For the transition period from                      to                      

 

Commission File No. 001-38779

 

Rhinebeck Bancorp, Inc.

(Exact name of registrant as specified in its charter)

 

Maryland   83-2117268

(State or other jurisdiction of

incorporation or organization)

 

(I.R.S. Employer

Identification Number)

     
2 Jefferson Plaza, Poughkeepsie, New York   12601
(Address of Principal Executive Offices)   (Zip Code)

 

(845) 454-8555

(Registrant’s telephone number)

 

 Securities registered pursuant to Section 12(b) of the Act:

 

Title of each class   Trading Symbol(s)   Name of each exchange on which registered
Common Stock, par value $0.01 per share   RBKB   The NASDAQ Stock Market, LLC

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such requirements for the past 90 days.

YES  x    NO  ¨

 

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).

YES  x    NO  ¨

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act. (Check one)

 

Large accelerated filer  ¨   Accelerated filer  ¨
Non-accelerated filer  x   Smaller reporting company  x
    Emerging growth company  x

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

YES  ¨    NO  x

 

As of August 1, 2019, there were 11,133,290 shares of the Registrant’s common stock, par value $0.01 per share, outstanding.

 

 

 

 

 

 

TABLE OF CONTENTS

 

PART I.  FINANCIAL INFORMATION  
   
Item 1. Financial Statements 2
     
  Consolidated Statements of Financial Condition at June 30, 2019 (unaudited) and December 31, 2018 2
     
  Consolidated Statements of Income for the Three and Six Months Ended June 30, 2019 and 2018 (unaudited) 3
     
  Consolidated Statements of Comprehensive Income for the Three and Six Months Ended June 30, 2019 and 2018 (unaudited) 4
     
  Consolidated Statements of Changes in Stockholders’ Equity for the Six Months Ended June 30, 2019 and 2018 (unaudited) 5
     
  Consolidated Statements of Cash Flows for the Six Months Ended June 30, 2019 and 2018 (unaudited) 6
     
  Notes to Consolidated Financial Statements (unaudited) 8
     
Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations 50
     
Item 3. Quantitative and Qualitative Disclosures About Market Risk 63
     
Item 4. Controls and Procedures 63
     
PART II.  OTHER INFORMATION 64
     
Item 1. Legal Proceedings 64
     
Item 1A. Risk Factors 64
     
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds 64
     
Item 3. Defaults Upon Senior Securities 64
     
Item 4. Mine Safety Disclosures 64
     
Item 5. Other Information 64
     
Item 6. Exhibits 64
     
  SIGNATURES 66

 

 

 

 

EXPLANATORY NOTE

 

Rhinebeck Bancorp, Inc. (the “Company,” “we” or “our”) was formed to serve as the mid-tier stock holding company for Rhinebeck Bank in connection with the reorganization of Rhinebeck Bank and its mutual holding company, Rhinebeck Bancorp, MHC, into the two-tier mutual holding company structure. The reorganization was completed on January 16, 2019. Prior to January 16, 2019, the Company had no assets or liabilities and had not conducted any business activities other than organizational activities. Accordingly, the unaudited financial statements and other financial information contained in this Quarterly Report on Form 10-Q relate solely to the consolidated financial results and financial position of Rhinebeck Bancorp, MHC and Rhinebeck Bank for any period prior to January 16, 2019.

 

 The unaudited financial statements and other financial information contained in this Quarterly Report on Form 10-Q should be read in conjunction with the audited financial statements, and related notes, of Rhinebeck Bancorp, MHC and Rhinebeck Bank at and for the year ended December 31, 2018 contained in the Company’s Annual Report on Form 10-K, as filed with the Securities and Exchange Commission on March 29, 2019.

 

 1 

 

 

PART 1 — FINANCIAL INFORMATION

 

ITEM 1.

 

Rhinebeck Bancorp, Inc. and Subsidiary

Consolidated Statements of Financial Condition

(Dollars in thousands, except per share data)

 

   June 30,   December 31, 
   2019   2018 
   (unaudited)     
Assets          
Cash and due from banks  $11,969   $50,590 
Available for sale securities (at fair value)   111,398    101,312 
Loans receivable (net of allowance for loan losses of $7,858 and $6,646, respectively)   737,293    678,402 
Federal Home Loan Bank stock   3,355    1,883 
Accrued interest receivable   2,874    2,523 
Cash surrender value of life insurance   18,218    18,018 
Deferred tax assets (net of valuation allowance of $1,190 and $1,085, respectively)   2,488    2,934 
Premises and equipment, net   16,846    17,040 
Other real estate owned   1,578    1,685 
Goodwill   1,410    1,410 
Intangible assets, net   262    284 
Other assets   5,393    6,342 
           
Total assets  $913,084   $882,423 
Liabilities and Stockholders' Equity          
Liabilities          
Deposits          
Noninterest bearing  $152,705   $171,829 
Interest bearing   564,153    512,589 
Total deposits   716,858    684,418 
           
Mortgagors' escrow accounts   10,400    7,725 
Advances from the Federal Home Loan Bank   64,541    31,598 
Subordinated debt   5,155    5,155 
Other borrowings   -    5,000 
Subscription offering proceeds   -    79,142 
Accrued expenses and other liabilities   10,573    10,108 
Total liabilities   807,527    823,146 
           
Stockholders' Equity          
Preferred stock (par value $0.01 per share; 5,000,000 authorized, 0 issued)   -    - 
Common stock (par value $0.01 per share; 25,000,000 authorized, 11,133,290 issued and outstanding)   111    - 
Additional paid-in capital   45,844    100 
Unallocated common stock held by the employee stock ownership plan ("ESOP")   (4,364)   - 
Retained earnings   68,321    66,189 
Accumulated other comprehensive loss:          
Net unrealized loss on available for sale securities,  net of taxes   (12)   (2,576)
Defined benefit pension plan, net of taxes   (4,343)   (4,436)
Total accumulated other comprehensive loss   (4,355)   (7,012)
Total stockholders' equity   105,557    59,277 
           
Total liabilities and stockholders' equity  $913,084   $882,423 

 

See accompanying notes to consolidated financial statements

 

 2 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Consolidated Statements of Income

(Dollars in thousands, except per share data)

 

   Three Months Ended June 30,   Six Months Ended June 30, 
   2019   2018   2019   2018 
   (unaudited)   (unaudited) 
Interest and Dividend Income                    
Interest and fees on loans  $9,401   $7,393   $18,116   $14,143 
Interest and dividends on securities   713    585    1,321    1,184 
Other income   6    5    41    9 
Total interest and dividend income   10,120    7,983    19,478    15,336 
Interest Expense                    
Interest expense on deposits   1,641    986    3,023    1,815 
Interest expense on borrowings   558    229    964    362 
Total interest expense   2,199    1,215    3,987    2,177 
Net interest income   7,921    6,768    15,491    13,159 
Provision for loan losses   780    525    1,560    1,050 
Net interest income after provision for loan losses   7,141    6,243    13,931    12,109 
                     
Noninterest Income                    
Service charges on deposit accounts   714    651    1,412    1,245 
Net realized loss on sales and calls of securities   (40)   -    (40)   (1)
Net gain on sales of loans   152    120    208    268 
Increase in cash surrender value of life insurance   99    100    200    199 
Write-downs of other real estate owned   -    (387)   -    (387)
Other real estate owned income   1    11    11    21 
Investment advisory income   329    184    542    332 
Other   178    205    364    455 
Total noninterest income   1,433    884    2,697    2,132 
                     
Noninterest Expense                    
Salaries and employee benefits   4,083    3,435    7,971    6,919 
Occupancy   898    852    1,793    1,754 
Data processing   343    294    650    568 
Professional fees   360    224    626    418 
Advertising   147    204    302    384 
FDIC deposit insurance and other insurance   147    204    288    379 
Other real estate owned expense   (1)   26    38    83 
Amortization of intangible assets   10    10    22    21 
Impairment loss on goodwill   -    95    -    95 
Other   1,061    1,057    2,276    2,146 
Total noninterest expense   7,048    6,401    13,966    12,767 
Income before income taxes   1,526    726    2,662    1,474 
Provision for income taxes   305    147    530    279 
                     
Net income  $1,221   $579   $2,132   $1,195 
                     
Earnings per common share:                    
Basic  $0.11   $-   $0.20   $- 
Diluted  $0.11   $-   $0.20   $- 
                     
Weighted average shares outstanding   10,705,047    -    10,702,320    - 

 

See accompanying notes to consolidated financial statements

 

 3 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Consolidated Statements of Comprehensive Income

(Dollars in thousands, except per share data)

 

   Three Months Ended June 30,   Six Months Ended June 30, 
   2019   2018   2019   2018 
   (unaudited)   (unaudited) 
                 
Net Income  $1,221   $579   $2,132   $1,195 
                     
Other Comprehensive Income:                    
                     
Unrealized holding gains (losses) arising during the period   1,889    (424)   3,206    (1,785)
Reclassification adjustment for losses included in net realized loss on sales and calls of securities on the consolidated statements of income   40    -    40    1 
                     
Net unrealized gains (losses) on available for sale securities   1,929    (424)   3,246    (1,784)
                     
Tax effect (a)   (406)   89    (682)   375 
                     
Unrealized gains (losses) on available for sale securities, net of tax   1,523    (335)   2,564    (1,409)
                     
Defined benefit pension plan:                    
Actuarial (loss) gain arising during the period   (41)   823    (61)   823 
Reclassification adjustment for amortization of net actuarial loss (b)   89    187    179    187 
                     
Total   48    1,010    118    1,010 
                     
Tax effect (c)   (10)   (212)   (25)   (212)
                     
Defined benefit pension plan gain, net of tax   38    798    93    798 
                     
Other comprehensive income (loss)   1,561    463    2,657    (611)
                     
Total Comprehensive Income  $2,782   $1,042   $4,789   $584 

 

(a) - Includes $9 for the three and six months ended June 30, 2019 and $0 for the three and six months ended June 30, 2018 for tax effect of realized losses which are  included in the provision for income taxes on the consolidated statements of income.

(b) - Included in salaries and benefits on the consolidated statements of income.

(c) - Includes $19 and $38 for the three and six months ended June 30, 2019, respectively and $39 for the three and six months ended June 30, 2018, for tax effect of amortization of net actuarial loss included in the provision for income taxes on the consolidated statements of income.

 

See accompanying notes to consolidated financial statements

 

 4 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Consolidated Statements of Changes in Stockholders’ Equity

(Dollars in thousands, except per share data)

 

   Common
Stock
   Additional
Paid-in
Capital
   Unallocated Common Stock Held by the ESOP   Retained
Earnings
   Accumulated
Other
Comprehensive Loss
   Total 
                         
Balance at December 31, 2017  $-   $100   $-   $61,832   $(6,955)  $54,977 
                               
Net income   -    -    -    616    -    616 
Other comprehensive loss   -    -    -    -    (1,074)   (1,074)
                               
Balance at March 31, 2018 (unaudited)  $-   $100   $-   $62,448   $(8,029)  $54,519 
                               
Net income   -    -    -    579    -    579 
Other comprehensive income   -    -    -    -    463    463 
                               
Balance at June 30, 2018 (unaudited)  $-   $100   $-   $63,027   $(7,566)  $55,561 
                               
Balance at December 31, 2018  $-   $100   $-   $66,189   $(7,012)  $59,277 
Net income   -    -    -    911    -    911 
Other comprehensive income   -    -    -    -    1,096    1,096 
Common Stock and proceeds of offering   111    45,754    -    -    -    45,865 
Unallocated common stock held by ESOP   -    -    (4,364)   -    -    (4,364)
                               
Balance at March 31, 2019 (unaudited)  $111   $45,854   $(4,364)  $67,100   $(5,916)  $102,785 
                               
Net income   -    -    -    1,221    -    1,221 
Other comprehensive income   -    -    -    -    1,561    1,561 
Common Stock and proceeds of offering   -    (10)   -    -    -    (10)
                               
Balance at June 30, 2019 (unaudited)  $111   $45,844   $(4,364)  $68,321   $(4,355)  $105,557 

  

See accompanying notes to consolidated financial statements

 

 5 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Consolidated Statements of Cash Flows

(Dollars in thousands, except per share data)

 

   Six Months Ended June 30, 
   2019   2018 
   (unaudited) 
Cash Flows From Operating Activities          
Net income  $2,132   $1,195 
Adjustments to reconcile net income to net cash provided by operating activities:          
Amortization and accretion of premiums and discounts on investments, net   85    179 
Net realized loss on sales and calls of securities   40    1 
Provision for loan losses   1,560    1,050 
Loans originated for sale   (19,458)   (14,846)
Proceeds from sale of loans   17,941    16,066 
Net gain on sale of loans   (208)   (268)
Amortization of intangible assets   22    21 
Depreciation and amortization   645    573 
Impairment loss on goodwill   -    95 
Write-down of other real estate owned   -    387 
Deferred income tax expense   (260)   (195)
Increase in cash surrender value of insurance   (200)   (199)
(Increase) decrease in accrued interest receivable   (351)   353 
Decrease (increase) in other assets   949    (355)
Increase in accrued expenses and other liabilities   583    1,253 
Net cash provided by operating activities   3,480    5,310 
           
Cash Flows from Investing Activities          
Proceeds from sales and calls of securities   4,990    375 
Proceeds from maturities and principal repayments of securities   6,877    7,968 
Purchases of securities   (18,832)   - 
Net purchases of FHLB Stock   (1,472)   (1,288)
Net increase in loans   (58,726)   (57,051)
Purchases of bank premises and equipment   (451)   (343)
Proceeds from sale of other real estate owned   107    54 
Net cash used in investing activities   (67,507)   (50,285)
           
Cash Flows from Financing Activities          
Net (decrease) increase in demand deposits, NOW, money market and savings accounts   (5,044)   6,013 
Net increase in time deposits   37,484    9,980 
Increase in mortgagors' escrow accounts   2,675    2,830 
Net (decrease) increase in short-term debt   (4,369)   8,100 
Net increase in long-term debt   32,312    20,000 
Proceeds of stock subscriptions   9,804    - 
Return of unfufilled stock subscriptions   (41,073)   - 
Loan to ESOP   (4,364)   - 
Offering expenses   (1,898)   - 
Return of capital to Rhinebeck Bancorp, MHC   (121)   - 
Net cash provided by financing activities   25,406    46,923 
           
Net (decrease) increase in cash and due from banks   (38,621)   1,948 
           
Cash and Due from Banks          
Beginning balance   50,590    10,460 
Ending balance  $11,969   $12,408 

 

See accompanying notes to consolidated financial statements

 

 6 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Consolidated Statements of Cash Flows

(Dollars in thousands, except per share data)

 

(Continued)

 

    Six Months Ended June 30, 
    2019       2018 
Supplemental Disclosures of Cash Flow Information   (unaudited) 
           
Cash paid for:          
           
Interest  $3,933   $2,076 
           
Income taxes  $915   $368 
           
Noncash Investing and Financing Activities          
           
Unrealized holding gain (loss) on available for sale securities arising during the period  $3,246   $(1,784)
           
Decrease in defined benefit plan liability included in other comprehensive loss  $118   $1,010 

 

See accompanying notes to consolidated financial statements

 

 7 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

1.Nature of Business and Significant Accounting Policies

 

The consolidated financial statements include accounts of Rhinebeck Bancorp, Inc. (the “Company”), a stock holding company, and its wholly owned subsidiary, Rhinebeck Bank (the “Bank”), a New York chartered stock savings bank. The primary purpose of the Company is to act as a holding company for the Bank. The Bank provides a full range of banking and financial services to consumer and commercial customers through its eleven branches and two representative offices located in Dutchess, Ulster, Orange, and Albany counties. Financial services including investment advisory and financial product sales are offered through a division of the Bank doing business as Rhinebeck Asset Management (“RAM”).

 

The unaudited consolidated financial statements reflect all adjustments, which in the opinion of management, are necessary for a fair presentation of the results of the interim periods and are of a normal and recurring nature. Operating results for the three and six month periods ended June 30, 2019 are not necessarily indicative of the results that may be expected for the year ending December 31, 2019.

 

A description of the Company's significant accounting policies are presented below.

 

Basis of Financial Statements Presentation

 

The consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) and general practices within the banking industry. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities, as of the date of the consolidated statements of financial condition and reported amounts of revenues and expenses for the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the valuation of securities and other real estate owned, the evaluation of investment securities for other-than-temporary impairment, the evaluation of goodwill for impairment, the valuation of deferred tax assets and the determination of pension obligations.

 

Principles of Consolidation

 

The accompanying consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary. As a result of the reorganization, the consolidation refers to the Company and the Bank for the periods after January 16, 2019 and Rhinebeck Bancorp, MHC, a New York chartered mutual holding company, and the Bank for the periods prior to January 16, 2019. All significant intercompany accounts and transactions have been eliminated in consolidation.

 

Significant Group Concentrations of Credit Risk

 

Most of the Company’s activities are with customers located in the New York State counties of Dutchess, Ulster, Orange, Columbia, Putnam, and Albany. Although the Company has a diversified loan portfolio, a substantial portion of its customers’ abilities to repay their loans is dependent on the economic conditions in the territories in which the Company operates.

 

 8 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

Cash and Cash Equivalents

 

Cash and due from banks and federal funds sold are recognized as cash equivalents in the consolidated statements of financial condition and cash flows. Federal funds sold generally mature in one day. The Company considers all highly liquid debt instruments purchased with a maturity of six months or less to be cash equivalents.

 

Investment in Debt and Marketable Equity Securities

 

Debt securities, if any, that management has the positive intent and ability to hold to maturity are classified as “held to maturity” and are recorded at amortized cost. “Trading” securities, if any, are carried at fair value, with unrealized gains and losses recognized in earnings. Securities not classified as held to maturity or trading, including equity securities with readily determinable fair values, are classified as “available for sale” and are recorded at fair value, with unrealized gains and losses excluded from earnings and reported in accumulated other comprehensive loss, net of taxes. Purchase premiums and discounts are recognized in interest income using the interest method over the maturity terms of the securities. Realized gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method.

 

The Company evaluates securities for other-than temporary impairment on a regular basis. The evaluation considers several factors including the amount of the unrealized loss, the period of time the security has been in a loss position and the credit standing of the issuer. When the Company does not intend to sell the security and it is likely that the Company will not be required to sell the security before recovery of its cost basis, the credit loss determined due to a permanent impairment will be recognized in earnings. The credit loss component recognized is identified as the amount of future principal cash flows not expected to be received over the remaining term of the security as projected based on cash flow estimates discounted at the applicable original yield of the security.

 

Loans Receivable

 

Loans that the Company has the intent and ability to hold for the foreseeable future or until maturity or payoff generally are reported at their outstanding unpaid principal balances adjusted for unearned income, including any allowance for loan losses and any unamortized deferred fees or costs.

 

Interest income is accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and amortized as a level yield adjustment over the respective term of the loan.

 

The accrual of interest on loans is discontinued at the time the loan is 90 days past due. Consumer automobile and installment loans are typically charged off no later than 180 days past due. Past due status is based on contractual terms of the loan. In all cases, loans are placed on non-accrual status or charged-off at an earlier date if collection of principal or interest is considered doubtful.

 

All interest accrued, but not collected, for loans that are placed on non-accrual status or charged off, is reversed against interest income. The interest on these loans is accounted for on the cash-basis method until qualifying for return to accrual status. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.

 

 9 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

Allowance for Loan Losses

 

The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management determines all or part of the loan balance is uncollectible. Subsequent recoveries, if any, are credited to the allowance.

 

The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the size and composition of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.

 

The allowance calculation methodology involves segregation of the total loan portfolio into segments. The Company’s loans receivable portfolio is comprised of the following segments: commercial real estate, residential real estate, commercial and industrial and consumer. The segments of the Company’s loans receivable portfolio are further disaggregated into classes based on identified associated risks within those segments. This allows management to better monitor risk and performance.

 

Commercial real estate loans are separated into two classes: non-residential and multi-family. Non-residential and multi-family loans include long-term loans financing commercial properties and include both owner and non-owner occupied properties. Construction loans, which include land loans, are comprised mostly of non-owner occupied projects, whereby the property is generally under development and tends to have more risk than the owner occupied loans. The Company grants loans for the construction of residential homes, residential developments and land development projects. Repayment of these loans is mostly dependent upon either the ongoing cash flows of the borrowing entity or the resale or lease of the subject property.

 

Residential real estate loans are secured by the borrower’s residential real estate generally in a first lien position. Residential mortgages have varying loan interest rates depending on the financial condition of the borrower, the loan to value ratio and the term of the loan.

 

The commercial and industrial loan segment consists of loans made for purposes of financing the activities of commercial customers. The assets financed through commercial and industrial loans are used within the business for its ongoing operations. Repayment of commercial and industrial loans predominately comes from the cash flows of the business or the ongoing operations of assets.

 

Consumer loans are classified into the following three classes: indirect automobile loans, home equity loans and other consumer loans. Indirect automobile loans are secured by the borrowers’ automobiles and originated through the Company’s relationships with the automobile dealers in the various counties in the Company’s service area. Home equity loans are secured by the borrower’s residential real estate in a first or second lien position. Other direct consumer loans may be unsecured.

 

 10 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

The Company has established credit policies applicable to each type of lending activity in which it engages. The Company evaluates the creditworthiness of each customer and, in most cases, extends credit of up to 80% of the market value of the collateral at the date of the credit extension. The Company’s credit policies determine advance rates against the different forms of collateral that can be pledged against commercial and industrial, commercial and residential real estate and consumer loans. Typically, the majority of loans will be limited to a percentage of their underlying collateral values such as real estate values, automobiles, equipment, eligible accounts receivable and inventory. Individual loan advance rates may be higher or lower depending upon the financial strength of the borrower, past experience with the borrower, the nature of the collateral, competitive offerings and/or the term of the loan.

 

The market value of collateral is monitored on an ongoing basis and additional collateral may be obtained when warranted. While collateral provides some assurance as a secondary source of repayment, the Company ordinarily requires the primary source of repayment to be based on the borrower's ability to generate continuing sufficient cash flows. The Company's policy for collateral requires that, generally, the amount of the loan may not exceed 90% of the original appraised value of the property. Private mortgage insurance is usually required for that portion of the loan in excess of 80% of the appraised value of the property.

 

The allowance calculation methodology includes further segregation of loan classes into risk rating categories. The borrower’s overall financial condition, repayment sources, guarantors and value of collateral, if appropriate, are evaluated at least quarterly or when credit deficiencies arise, such as when loan payments are delinquent. Credit quality risk ratings include regulatory classifications of “special mention”, “substandard”, “doubtful” and “loss”. Loans classified as special mention have potential weaknesses that deserve management’s close attention. If uncorrected, the potential weaknesses may result in deterioration of the repayment prospects. Loans classified as substandard have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They include loans that are inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans classified as doubtful have all the weaknesses inherent in loans classified as substandard with the added characteristic that collection or liquidation in full, on the basis of current conditions and facts, is highly improbable. Loans classified as a loss are considered uncollectible and are charged to the allowance for loan losses. Loans not classified are rated “pass”.

 

The allowance consists of specific and general components. The specific component relates to loans that are considered impaired. For such impaired loans, an allowance is established when the discounted cash flows (or observable market price or collateral value if the loan is collateral dependent) of the impaired loan is lower than the carrying value of that loan. The general component covers all other loans, segregated generally by loan type and is based on historical loss experience with adjustments for qualitative factors which are made after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss data.

 

These qualitative risk factors generally include:

 

1.Lending policies and procedures, including underwriting standards and collection, charge-off and recovery practices.

 

2.National, regional and local economic and business conditions as well as the condition of various market segments, including the value of underlying collateral for collateral dependent loans.

 

 11 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

3.Size and composition of the portfolio and the terms of loans.

 

4.Volume and severity of past due, classified and non-accrual loans as well as loan modifications.

 

5.Existence and effect of any concentrations of credit and changes in the level of such concentrations.

 

6.Effect of external factors, such as competition and legal and regulatory requirements.

 

A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls are not necessarily classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis for commercial and real estate loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent. The estimated fair values of substantially all of the Company’s impaired loans are measured based on the estimated fair value of the loans’ collateral.

 

For loans secured by real estate, estimated fair values are determined primarily through third-party appraisals. When a real estate secured loan becomes impaired, a decision is made regarding whether an updated certified appraisal of the real estate is necessary. This decision is based on various considerations, including the size of the loan, age of the most recent appraisal, the loan-to-value ratio based on the original appraisal and the condition of the property. Appraised values are discounted for expected sales costs to arrive at the estimated recognizable value of the collateral, which is considered to be the estimated fair value. The recorded investment in consumer mortgages and loans secured by residential real estate properties for which formal foreclosure proceedings are in process was $687 and $526 at June 30, 2019 and December 31, 2018, respectively.

 

For loans secured by non-real estate collateral, such as accounts receivable, inventory and equipment, estimated fair values are determined based on the borrower’s financial statements, inventory reports, accounts receivable aging or equipment appraisals or invoices. Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets.

 

The evaluation of the need and amount of the allowance for impaired loans and whether a loan can be removed from impairment status is made on a quarterly basis. The Company’s policy for recognizing interest income on impaired loans does not differ from its overall policy for interest recognition.

 

The Company may grant a concession or modification for economic or legal reasons related to a borrower's financial condition that it would not otherwise consider resulting in a modified loan which is then identified as a troubled debt restructuring (“TDR”). These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. Loan modifications are intended to minimize the economic loss and to avoid foreclosure or repossession of the collateral. TDRs are considered impaired loans for purposes of calculating the Company's allowance for loan losses.

 

 12 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

The Company identifies loans for potential restructure primarily through direct communication with the borrower and evaluation of the borrower's financial statements, revenue projections, tax returns and credit reports. Even if the borrower is not presently in default, management will consider the likelihood that cash flow shortages, adverse economic conditions, negative trends, or specific conditions may result in a payment default in the near future.

 

Regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses and may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination, which may not be currently available to management. Based on management’s comprehensive analysis of the loan portfolio, management believes the current level of the allowance for loan losses is adequate.

 

Loans Held for Sale

 

Loans held for sale are those loans the Company has the intent to sell in the foreseeable future and are carried at the lower of aggregate cost or market value, with valuation changes recorded in noninterest income. Gains and losses on sales of loans are recognized at the trade dates and are determined by the difference between the sales proceeds and the carrying value of the loans. Mortgage loans held for sale are generally sold with the mortgage servicing rights retained by the Company.

 

Transfers of Financial Assets

 

Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company – put presumptively beyond the reach of the transferor and its creditors, even in bankruptcy or other receivership, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the transferor does not maintain effective control over the transferred assets through either (a) an agreement that both entitles and obligates the transferor to repurchase or redeem the assets before maturity or (b) the ability to unilaterally cause the holder to return specific assets, other than through a cleanup call.

 

Mortgage Servicing Assets

 

Mortgage servicing assets are recognized as separate assets developed through the sale of mortgages. Servicing rights are initially recorded at fair value with the income statement effect recorded in gain or loss on sales of loans. Fair value is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost to service, the discount rate, the custodial earnings rate, an inflation rate, ancillary income, prepayment speeds and default rates and losses. Capitalized servicing rights are reported in other assets and are amortized into noninterest income in proportion to and over the period of the estimated future net servicing income of the underlying financial assets.

 

 13 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

Servicing assets are evaluated for impairment based upon the fair value of the rights as compared to amortized cost. Impairment is recognized through a valuation allowance and charged to noninterest income, to the extent that fair value is less than the capitalized amount. If the Company later determines that all or a portion of the impairment no longer exists, a reduction of the allowance may be recorded as an increase to income.

 

Other Real Estate Owned

 

Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in operations. Costs relating to the development and improvement of the property are capitalized, subject to the resulting limit of fair value of the collateral. Gains or losses are included in operations upon disposal. Other real estate owned (“OREO”) included $935 and $935 of residential real estate and $643 and $750 of commercial property at June 30, 2019 and December 31, 2018, respectively.

 

Premises and Equipment

 

Premises and equipment are stated at cost, net of accumulated depreciation and amortization. Depreciation is charged to operations using the straight-line method over the estimated useful lives of the related assets. Rent expense is charged to operations over the expected lease term using the straight-line method. Leasehold improvements are amortized over the shorter of the improvements' estimated economic lives or the related lease terms. Gains and losses on dispositions are recognized upon realization. Maintenance and repairs are expensed as incurred and improvements are capitalized.

 

Bank-Owned Life Insurance

 

The Company purchased bank owned life insurance (“BOLI”) on a chosen group of employees and trustees. The Company is the owner and sole beneficiary of the policies. Earnings from BOLI are recognized as part of noninterest income. BOLI is carried at cash surrender value. Death benefit proceeds received in excess of the policies cash surrender values are recognized in income upon receipt. The Company does not intend to surrender these policies and, accordingly, no deferred taxes have been provided.

 

Goodwill and Amortizable Intangible Assets

 

The excess of the purchase price of an acquisition over the net fair value of the identifiable tangible and intangible assets and liabilities is assigned to goodwill. Goodwill is not amortizable, but is subject to at least an annual assessment, or more frequently in the presence of certain circumstances, for impairment.

 

Other intangible assets are stated at cost, less accumulated amortization and consist of purchased customer accounts. Purchased customer accounts primarily consist of records and files that contain information about investment holdings. These assets are amortized on a straight-line basis over the related estimated lives of 13 years and 4 months. In the presence of certain circumstances, intangible assets may be assessed for impairment as well. Impairment exists when carrying value exceeds its fair value. In such circumstances a charge for the relevant impairment is recognized and the net book value is reduced to the appropriate value.

 

 14 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

Income Taxes

 

The Company recognizes income taxes under the asset and liability method. Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that all or some portion of the deferred tax assets will not be realized.

 

When tax returns are filed, it is highly expected that most positions taken would be sustained upon examination by the taxing authorities, while others may be subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the consolidated financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more-likely-than-not recognition threshold are measured as the largest amount of tax benefit that is more than 50% likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits along with any associated interest and penalties that would be payable to the taxing authorities upon examination. The Company had no liabilities for uncertain tax positions at June 30, 2019 and December 31, 2018.

 

Interest and penalties associated with unrecognized tax benefits, if any, would be classified as an additional provision for income taxes in the consolidated statements of income.

 

Comprehensive Income or Loss

 

GAAP requires that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities and the net actuarial gain or loss of the defined benefit pension plan, are reported as a separate component of the stockholders’ equity section of the consolidated statements of financial condition, such items, along with net income, are components of comprehensive income or loss.

 

Fair Value

 

The Company uses fair value measurements to record fair value adjustments to certain assets and to determine fair value disclosures. Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in certain instances, there are no quoted market prices for certain assets or liabilities. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the asset or liability.

 

 15 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

Fair value measurements focus on exit prices in an orderly transaction (that is, not a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions. If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques may be appropriate. In such instances, determining the price at which willing market participants would transact at the measurement date under current market conditions depends on the facts and circumstances and requires the use of significant judgment.

 

The Company's fair value measurements are classified into a fair value hierarchy based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. The three categories within the hierarchy are as follows:

 

  Level 1 Quoted prices in active markets for identical assets and liabilities.
     
  Level 2 Observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities in active markets, quoted prices in markets that are not active; and model-based valuation techniques for which all significant inputs are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities.
     
  Level 3 Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation.

 

Reclassifications

 

Certain amounts in the prior year consolidated financial statements have been reclassified to conform to the current year’s presentation.

 

Impact of Recent Accounting Pronouncements

 

Effective January 1, 2018, the Company adopted Accounting Standards Update (“ASU”) No. 2014-09, “Revenue from Contracts with Customers (Topic 606)”. ASU No. 2014-09 establishes principles for recognizing revenue upon the transfer of promised goods or services to customers, in an amount that reflects the expected consideration received in exchange for those goods or services. The Company used the modified retrospective method for transition with the cumulative effect recognized as of the date of initial application with no restatement of prior periods. The adoption did not have a material effect on the Company’s financial statements as the recognition of interest income has been scoped out of the guidance and noninterest income recognition is similar to current revenue recognition practices. See Note 14 for additional information related to the adoption of ASU No. 2014-09.

 

 16 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

In February 2016, the Financial Accounting Standards Board (“FASB”) issued ASU 2016-02 “Leases (Topic 842).” This standard requires entities that lease assets to recognize on the balance sheet the assets and liabilities for the rights and obligations created by those leases. The standard is effective for fiscal years and interim periods within those fiscal years beginning after December 15, 2018 for public companies, but the Company will have until the first quarter of 2020 to adopt due to its emerging growth company status. The guidance is required to be applied by the modified retrospective transition approach. Early adoption is permitted. We are currently assessing the impact of the adoption of this authoritative guidance on our consolidated financial statements and collecting the data necessary for that assessment and adoption.

 

In June 2016, the FASB issued ASU No. 2016-13 on “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments”. This ASU requires credit losses on most financial assets be measured at amortized cost and certain other instruments to be measured using an expected credit loss model (referred to as the current expected credit loss (“CECL”) model). Under this model, entities will estimate credit losses over the entire contractual term of the instrument (considering estimated prepayments, but not expected extensions or modifications unless reasonable expectation of a troubled debt restructuring exists) from the date of initial recognition of that instrument. The measurement of expected credit losses is based upon relevant information about past events, including historical experience, current conditions and reasonable and supportable forecasts that affect the collectability of the reported amount. On July 17, 2019, the FASB voted to propose a delay for conversion to the CECL methodology to January 2023 for all companies other than large SEC filers; although early adoption is permitted in 2019. The Company is currently assessing the effect that ASU No. 2016-13 will have on its consolidated financial statements.

 

Effective January 1, 2019, the Company adopted ASU No. 2018-07, “Compensation- Stock Compensation (Topic 718): Improvements to Nonemployee Share-Based Payment Accounting”. This update expands the scope of Topic 718 to include share-based payment transactions for acquiring goods and services from nonemployees. As a result, nonemployee share-based payment awards will be measured at the grant-date fair value of the equity instruments that an entity is obligated to issue when the service has been rendered, subject to the probability of satisfying performance conditions when applicable. The Company has not and does not expect to engage in this type of compensation practice, and therefore this update did not and likely will not, have an effect on the Company.

 

Emerging Growth Company Status

 

As an emerging growth company, the Company may delay adoption of new or revised financial accounting standards until such date that the standards are required to be adopted by non-issuer companies. If such standards would not apply to non-issuer companies, no deferral would be applicable. The Company intends to take advantage of the benefits of the extended transition periods allowed under the Jumpstart Our Business Startups Act.

 

Accordingly, the Company's consolidated financial statements may not be comparable to those of public companies that adopt new or revised financial accounting standards as of an earlier date. The effective dates of the recent accounting standards reflect those that relate to non-issuer companies.

 

 17 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

2.Investment Securities

 

The amortized cost, gross unrealized gains and losses and fair values of available for sale securities are as follows:

 

   June 30, 2019 
   Amortized Cost   Gross Unrealized
Gains
   Gross Unrealized
Losses
   Fair Value 
   (unaudited) 
U.S. Treasury securities  $-   $-   $-   $- 
U.S. government agency mortgage-backed securities-residential   89,707    592    (586)   89,713 
U.S. government agency securities   19,935    29    (117)   19,847 
Municipal securities ¹   1,229    18    -    1,247 
Other   542    49    -    591 
Total  $111,413   $688   $(703)  $111,398 
                     
   December 31, 2018 
                     
U.S. Treasury securities  $3,036   $-   $(65)  $2,971 
U.S. government agency mortgage-backed securities-residential   82,965    8    (2,757)   80,216 
U.S. government agency securities   16,919    -    (451)   16,468 
Municipal securities ¹   1,228    4    -    1,232 
Other   425    -    -    425 
Total  $104,573   $12   $(3,273)  $101,312 

 

¹ The issuers of municipal securities are all within New York State.

 

 18 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

The following table presents the fair value and unrealized losses of the Company’s available for sale securities with gross unrealized losses aggregated by the length of time the individual securities have been in a continuous unrealized loss position:

 

   Less Than 12 Months   12 Months or Longer   Total 
   Fair Value   Unrealized
Losses
   Fair Value   Unrealized
Losses
   Fair Value   Unrealized
Losses
 
           June 30, 2019         
   (unaudited) 
U.S. Treasury securities  $-   $-   $-   $-   $-   $- 
U.S. government agency mortgage-backed securities-residential   -    -    40,967    (586)   40,967    (586)
U.S. government agency securities   -    -    12,820    (117)   12,820    (117)
Total  $-   $-   $53,787   $(703)  $53,787   $(703)
                               
   December 31, 2018 
U.S. Treasury securities  $-   $-   $2,971   $(65)  $2,971   $(65)
U.S. government agency mortgage-backed securities-residential   1,669    (4)   76,586    (2,753)   78,255    (2,757)
U.S. government agency securities   0    0    16,468    (451)   16,468    (451)
Total  $1,669   $(4)  $96,025   $(3,269)  $97,694   $(3,273)

 

At June 30, 2019 and December 31, 2018, the Company had 59 and 96 individual available-for-sale securities with unrealized losses totaling $703 and $3,273, respectively, with an aggregate depreciation of 1.31% and 3.35%, respectively, from the Company’s amortized cost.

 

Management believes that none of the unrealized losses on available for sale securities are other-than-temporary because substantially all of the unrealized losses in the Company’s investment portfolio relate to market interest rate changes on debt and mortgage-backed securities issued either directly by the government or from government sponsored enterprises. Because the Company does not intend to sell the securities and it is not likely that the Company will be required to sell the securities before recovery of their amortized cost basis, which may be maturity, the Company did not consider those investments to be other-than-temporarily impaired at June 30, 2019 or December 31, 2018.

 

 19 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

The amortized cost and fair value of available for sale debt securities at June 30, 2019 and December 31, 2018, by contractual maturities, are presented below. Actual maturities of mortgage-backed securities may differ from contractual maturities because the mortgages underlying the securities may be called or repaid without any penalties. Because mortgage-backed securities are not due at a single maturity date, they are not included in the maturity categories in the following maturity summary:

 

   June 30, 2019   December 31, 2018 
   Amortized Cost   Fair Value   Amortized Cost   Fair Value 
   (unaudited)         
Maturity:                    
Within 1 year  $1,221   $1,217   $1,221   $1,210 
After 1 but within 5 years   14,186    14,074    17,253    16,780 
After 5 but within 10 years   5,557    5,603    1,975    1,945 
After 10 years   200    200    734    736 
Total Maturities   21,164    21,094    21,183    20,671 
                     
Mortgage-backed securities   89,707    89,713    82,965    80,216 
Other   542    591    425    425 
                     
Total  $111,413   $111,398   $104,573   $101,312 

 

At June 30, 2019 and December 31, 2018, available for sale securities with a carrying value of $26,222 and $27,465, respectively, were pledged to secure Federal Home Loan Bank of New York (“FHLB”) borrowings. In addition $1,187 and $1,032 of available for sale securities, respectively, were pledged to secure borrowings at the Federal Reserve Bank of New York.

 

During the six months ended June 30, 2019, there was $4,990 in proceeds from the sales of available for sale securities with $40 in gross losses realized. Proceeds from the sale of available for sale securities and calls aggregated $2,113 with $22 in gross losses realized for the year ended December 31, 2018.

 

 20 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

3.Loans and Allowance for Loan Losses

 

A summary of the Company’s loan portfolio is as follows:

 

   June 30,   December 31, 
   2019   2018 
   (unaudited)     
Commercial real estate loans:          
Construction  $13,357   $12,870 
Non-residential   207,027    197,499 
Multi-family   18,779    12,661 
Residential real estate loans   39,959    43,534 
Commercial and industrial loans   89,473    83,203 
Consumer loans:          
Indirect automobile   338,367    297,144 
Home equity   18,591    19,269 
Other consumer   10,312    10,826 
           
Total gross loans   735,865    677,006 
           
Net deferred loan costs   9,286    8,042 
Allowance for loan losses   (7,858)   (6,646)
           
Total net loans  $737,293   $678,402 

 

At June 30, 2019 and December 31, 2018, the unpaid principal balances of loans held for sale, included in the residential real estate category above, were $838 and $888, respectively.

 

 21 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

The following tables present the classes of the loan portfolio summarized by the pass category and the criticized categories of special mention, substandard and doubtful within the internal risk system:

 

   June 30, 2019 
       Special             
   Pass   Mention   Substandard   Doubtful   Total 
   (unaudited) 
Commercial real estate:                         
Construction  $13,357   $-   $-   $-   $13,357 
Non-residential   197,330    6,495    3,202    -    207,027 
Multifamily   18,394    -    385    -    18,779 
Residential real estate   37,263    -    -    2,696    39,959 
Commercial and industrial   87,853    659    921    40    89,473 
Consumer:                         
Indirect automobile   337,777    -    -    590    338,367 
Home equity   18,127    -    -    464    18,591 
Other consumer   10,272    -    -    40    10,312 
                          
Total  $720,373   $7,154   $4,508   $3,830   $735,865 

 

   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 real estate   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 

 

Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The past due status of all classes of loans is determined based on contractual due dates for loan payments.

 

 22 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

The following table presents the classes of the loan portfolio summarized by the aging categories of performing loans and non-accrual loans:

 

   June 30, 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  $13,357   $-   $-   $-   $13,357   $- 
Non-residential   204,559    241    173    2,054    207,027    2,054 
Multifamily   18,420    -    359    -    18,779    - 
Residential real estate   37,993    889    -    1,077    39,959    2,696 
Commercial and industrial   88,942    68    423    40    89,473    306 
Consumer:                              
Indirect automobile   332,384    4,520    896    567    338,367    590 
Home equity   18,039    186    -    366    18,591    463 
Other consumer   10,061    165    45    41    10,312    41 
                               
Total  $723,755   $6,069   $1,896   $4,145   $735,865   $6,150 

 

   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 real estate   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 

 

 23 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

The following tables summarize information in regards to impaired loans by loan portfolio class:

 

   June 30, 2019 
   Recorded
Investment
   Unpaid
Principal
Balance
   Related
Allowance
   Average
Recorded
Investment
 
   (unaudited) 
With no related allowance recorded:                    
Commercial real estate:                    
Construction  $-   $-   $-   $- 
Non-residential   2,054    2,094    -    2,281 
Multifamily   -    -    -    - 
Residential real estate   2,696    3,162    -    2,490 
Commercial and industrial   266    401    -    282 
Consumer:                    
Indirect automobile   353    395    -    313 
Home equity   464    481    -    331 
Other consumer   -    -    -    5 
                     
Total  $5,833   $6,533   $-   $5,702 
                     
With an allowance recorded:                    
Commercial real estate:                    
Construction  $-   $-   $-   $- 
Non-residential   -    -    -    - 
Multifamily   -    -    -    - 
Residential real estate   -    -    -    - 
Commercial and industrial   40    40    40    20 
Consumer:                  - 
Indirect automobile   237    265    69    208 
Home equity   -    -    -    - 
Other consumer   40    41    12    20 
                     
Total  $317   $346   $121   $248 
                     
Total:                    
Commercial real estate:                    
Construction  $-   $-   $-   $- 
Non-residential   2,054    2,094    -    2,281 
Multifamily   -    -    -    - 
Residential real estate   2,696    3,162    -    2,490 
Commercial and industrial   306    441    40    302 
Consumer:                    
Indirect automobile   590    660    69    521 
Home equity   464    481    -    331 
Other consumer   40    41    12    25 
                     
Total  $6,150   $6,879   $121   $5,950 

 

 24 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

   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 real estate   2,285    2,841    -    2,235 
Commercial and industrial   297    421    -    758 
Consumer:                    
Indirect automobile   274    320    -    242 
Home equity   198    211    -    158 
Other consumer   10    10    -    5 
                     
Total  $5,571   $6,404   $-   $6,984 
                     
With an allowance recorded:                    
Commercial real estate:                    
Construction  $-   $-   $-   $- 
Non-residential   -    -    -    451 
Multifamily   -    -    -    - 
Residential real estate   -    -    -    - 
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 real estate   2,285    2,841    -    2,235 
Commercial and industrial   297    421    -    767 
Consumer:                    
Indirect automobile   452    511    50    447 
Home equity   198    211    -    158 
Other consumer   10    10    -    7 
                     
Total  $5,749   $6,595   $50   $7,651 

 

 25 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

A loan is considered impaired when based on current information and events it is probable that the Company will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include nonperforming loans and loans modified as troubled debt restructurings. Loan modifications, which resulted in these loans being considered TDRs, are primarily in the form of rate concessions and extensions of maturity dates. The Company does not generally recognize interest income on a loan in an impaired status. At June 30, 2019 and December 31, 2018, three loans totaling $1,716 and the same three loans totaling $1,774, respectively, included in impaired loans, were identified as TDRs. There were no new TDRs in the first half of 2019. In 2018, the Company restructured two loans, a residential mortgage and home equity loan, into a single residential mortgage, with a carrying value of $117, which included both rate and term modifications. At June 30, 2019 and December 31, 2018, all TDR loans were performing in accordance with their restructured terms. During the year ended December 31, 2018, one loan for $19 had defaulted in its modified terms and was charged off. At June 30, 2019 and December 31, 2018, the Company had no commitments to advance additional funds to borrowers under TDR loans.

 

The Company services certain loans that it has sold without recourse to third parties. The aggregate balances of loans serviced for others were $261,559 and $255,892 as of June 30, 2019 and December 31, 2018, respectively.

 

The balance of capitalized servicing rights, included in other assets at June 30, 2019 and December 31, 2018, were $2,203 and $2,278, respectively. Fair value exceeds carrying value. No impairment charges related to servicing rights were recognized during the period ended June 30, 2019 and the year ended December 31, 2018.

 

 26 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

The following tables summarize the segments of the loan portfolio and the allowance for loan losses, segregated into the amount required Afor loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment and the activity in the allowance for loan losses for the periods then ended:

 

   Commercial
Real Estate
   Residential
Real Estate
   Commercial and
Industrial
   Indirect   Consumer   Totals 
   Three months ended June 30, 2019 
   (unaudited) 
Allowance for loan losses:                              
Beginning balance  $1,159   $286   $1,575   $3,380   $783   $7,183 
Provision for loan losses   93    17    327    329    14    780 
Loans charged-off   -    -    (7)   (424)   (9)   (440)
Recoveries   -    2    -    321    12    335 
Ending balance  $1,252   $305   $1,895   $3,606   $800   $7,858 
     
   Six months ended June 30, 2019 
   (unaudited) 
Allowance for loan losses:                              
Beginning balance  $1,080   $320   $1,542   $2,915   $789   $6,646 
Provision (credit) for loan losses   172    (18)   364    1,032    10    1,560 
Loans charged-off   -    -    (12)   (919)   (15)   (946)
Recoveries   -    3    1    578    16    598 
Ending balance  $1,252   $305   $1,895   $3,606   $800   $7,858 
Ending balance:                              
Individually evaluated for impairment  $-   $-   $41   $69   $11   $121 
Collectively evaluated for impairment  $1,252   $305   $1,854   $3,537   $789   $7,737 
Loan receivables:                              
Ending balance  $239,163   $39,959   $89,473   $338,367   $28,903   $735,865 
Ending balance:                              
Individually evaluated for impairment  $2,054   $2,696   $307   $590   $503   $6,150 
Collectively evaluated for impairment  $237,109   $37,263   $89,166   $337,777   $28,400   $729,715 

 

 27 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

   Commercial
Real Estate
   Residential
Real Estate
   Commercial and
Industrial
   Indirect   Consumer   Totals 
   Three months ended June 30, 2018 
   (unaudited) 
Allowance for loan losses:                              
Beginning balance  $897   $462   $950   $2,577   $734   $5,620 
Provision for loan losses   50    49    131    247    48    525 
Loans charged-off   -    -    (9)   (362)   (10)   (381)
Recoveries   -    2    10    159    4    175 
Ending balance  $947   $513   $1,082   $2,621   $776   $5,939 
     
   Six months ended June 30, 2018 
   (unaudited) 
Allowance for loan losses:                              
Beginning balance  $1,305   $455   $879   $2,150   $668   $5,457 
(Credit) provision for loan losses   (55)   55    118    817    115    1,050 
Loans charged-off   (303)   -    (28)   (735)   (18)   (1,084)
Recoveries   -    3    113    389    11    516 
Ending balance  $947   $513   $1,082   $2,621   $776   $5,939 
Ending balance:                              
Individually evaluated for impairment  $-   $-   $-   $61   $-   $61 
Collectively evaluated for impairment  $947   $513   $1,082   $2,560   $776   $5,878 
                               
Loan receivables:                              
Ending balance  $220,697   $43,736   $75,612   $250,217   $30,329   $620,591 
Ending balance:                              
Individually evaluated for impairment  $5,874   $2,483   $1,211   $325   $273   $10,166 
Collectively evaluated for impairment  $214,823   $41,253   $74,401   $249,892   $30,056   $610,425 
                         
   Commercial
Real Estate
   Residential
Real Estate
   Commercial and
Industrial
   Indirect   Consumer   Totals 
   Year ended December 31, 2018 
Allowance for loan losses:                              
Beginning balance  $1,305   $455   $879   $2,150   $668   $5,457 
(Credit) provision 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 

 

 28 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

In the normal course of business, the Company grants loans to officers, directors and other related parties. Balances and activity of such loans during the periods presented were not material.

 

4.Premises and Equipment

 

Premises and equipment are summarized as follows:

 

   June 30,   December 31, 
   2019   2018 
   (unaudited)     
Land  $3,536   $3,536 
Buildings and improvements   23,585    23,534 
Furniture, fixtures and equipment   11,948    11,708 
Construction in process   211    51 
           
Total   39,280    38,829 
           
Less accumulated depreciation   (22,434)   (21,789)
           
Net  $16,846   $17,040 

 

5.Goodwill

 

The changes in the carrying value of goodwill are as follows:

 

RAM  Six Months
Ended June 30,
2019
   Year Ended
December 31,
2018
 
   (unaudited)     
Beginning balance  $1,410   $1,505 
Impairment   -    (95)
           
Ending balance  $1,410   $1,410 
           
Accumulated impairment  $1,116   $1,116 

 

In 2018 the Company tested the goodwill recorded for RAM and determined that a write-down of $95 was required to reflect impairment due to the loss of expected revenue.

 

 29 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

6.Intangible Assets

 

The changes in the carrying value of customer list intangible are as follows:

 

RAM  Six Months
Ended June 30,
2019
   Year Ended
December 31,
2018
 
   (Unaudited)     
Beginning balance  $284   $326 
Amortization   (22)   (42)
           
Ending balance  $262   $284 
Accumulated amortization and impairment  $685   $663 

 

The value assigned to customer list intangibles is based upon a multiple of the amount of commission revenue generated from the identified premiums. The customer lists are expected to have useful lives of 13 years and 4 months. The Company recognized $22 and $42 of amortization expense related to its intangible assets for the quarter ended June 30, 2019 and the year ended December 31, 2018.

 

At June 30, 2019, based upon the amount of future commission revenue available from the then existing RAM customer premiums on hand, the Company determined that the fair value of the amortizable intangible assets exceeded their carrying values.

 

As of June 30, 2019 the future amortization expense for amortizable intangible assets for the respective years is as follows:

 

2019  $22 
2020   42 
2021   42 
2022   42 
2023   42 
Thereafter        72 
Total  $262 

 

 30 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

7.Deposits

 

Deposits balances are summarized as follows:

 

   June 30,   December 31, 
   2019   2018 
   (unaudited)     
Noninterest bearing demand deposits  $152,705   $171,829 
           
Interest bearing accounts:          
NOW   103,089    99,715 
Savings   120,814    126,822 
Money market   147,070    130,356 
Time certificates of deposit   193,180    155,696 
           
 Total interest bearing accounts   564,153    512,589 
           
Total deposits  $716,858   $684,418 

 

Included in time certificates of deposit at June 30, 2019 and December 31, 2018 were reciprocal deposits totaling $22,275 and $21,515, respectively, with original maturities of one to three years. Time certificates of deposit in denominations of $250 or greater were $35,545 and $16,644 as of June 30, 2019 and December 31, 2018, respectively.

 

Contractual maturities of time certificates of deposit at June 30, 2019 are summarized below:

 

        June 30,       
   2019 
   (unaudited) 
Within 1 year  $123,381 
1 - 2 years   47,812 
2 - 3 years   12,875 
3 - 4 years   3,027 
4 - 5 years   6,085 
Total  $193,180 

 

 31 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

8.Long-Term Debt and FHLB Stock

 

FHLB Borrowings and Stock

 

The Bank is a member of the FHLB. At June 30, 2019 and December 31, 2018, the Bank had access to a preapproved secured line of credit with the FHLB of $456,464 and $441,134, respectively. Borrowings under this line require collateralization through the pledge of specific loans and securities. At June 30, 2019 and December 31, 2018, the Bank had pledged assets of $160,493 and $145,805, respectively. At June 30, 2019 and December 31, 2018, the Bank had outstanding overnight line of credit balances with FHLB of $12,500 and $0, respectively. These borrowings mature the following business day. The interest rate was 2.45% at June 30, 2019. At June 30, 2019, the Bank also had structured borrowings in the amount of $52,041. The outstanding principal amounts and the related terms and rates at June 30, 2019 were as follows:

 

Term  Principal   Maturity  Rate   Due in one year   Long term 
2 year amortizing  $2,535   May 15, 2020   2.78%  $2,535   $- 
2 year amortizing   2,743   June 8, 2020   2.76%   2,743    - 
2 year amortizing   10,000   May 17, 2021   2.53%   4,937    5,063 
2 year bullet   10,000   May 17, 2021   2.46%   -    10,000 
3 year amortizing   6,763   May 17, 2021   2.92%   3,332    3,431 
3 year amortizing   10,000   May 16, 2022   2.49%   3,251    6,749 
3 year bullet   10,000   May 16, 2022   2.44%   -    10,000 
Total  $52,041   Weighted Average Rate   2.57%  $16,798   $35,243 

 

The Bank is required to maintain an investment in capital stock of the FHLB, as collateral, in an amount equal to a certain percentage of its outstanding debt. FHLB stock is considered restricted stock and is carried at cost. The Bank evaluates for impairment based on the ultimate recovery ability of the cost. No impairment was recognized at either June 30, 2019 or December 31, 2018.

 

 32 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

Subordinated Debt

 

As part of the reorganization completed on January 16, 2019, the Company acquired both the common securities and related obligations of RSB Capital Trust I (“Trust”). The Trust, which has no independent assets or operations, was formed in 2005 for the sole purpose of issuing trust preferred securities and investing the proceeds thereof in an equivalent amount of junior subordinated debentures. The proceeds from the issuance of the trust preferred securities are currently considered Tier 1 capital for purposes of determining the Bank’s capital ratios. The trust securities also bear interest at 3-month LIBOR plus 2.00%. The duration of the Trust is 30 years.

 

The subordinated debt securities of $5,155 are unsecured obligations of the Company and are subordinate and junior in right of payment to all present and future senior indebtedness of the Company. The Company has entered into a guarantee, which together with its obligations under the subordinated debt securities and the declaration of trust governing the Trust, including its obligations to pay costs, expenses, debts and liabilities, other than trust securities, provides a full and unconditional guarantee of amounts on the capital securities. The subordinated debentures, which bear interest at 3-month LIBOR plus 2.00% (4.32% at June 30, 2019 and 4.65% at December 31, 2018) mature on May 23, 2035.

 

Other Borrowings

 

In December 2018 Rhinebeck Bancorp, MHC entered into an agreement with Atlantic Community Bankers Bank to provide it with a $5,000 line of credit at a rate equal to the Wall Street Journal prime rate of interest plus 0.50% to provide a temporary source of additional funds. At December 31, 2018 the entire line was drawn and the funds were down-streamed to the Bank as capital to support year-end capital ratios that were impacted by the influx of cash for subscription orders related to the reorganization and stock offering. On January 15, 2019 the Bank paid a $5,100 dividend to Rhinebeck Bancorp, MHC which then paid off the borrowing. After the closing of the offering, the facility converted to Rhinebeck Bancorp, Inc. and remains in place for backstop liquidity purposes. On June 30, 2019, the Company had no amount outstanding on the line.

 

The Bank also has an unsecured, uncommitted $10,000 line of credit with Zions Bank. There were no advances outstanding under this line of credit at either June 30, 2019 or December 31, 2018.

 

 33 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

9.Employee Benefits

 

Pension Plan

 

The Bank maintains a noncontributory defined benefit pension plan covering substantially all of its employees 21 years of age or older who had completed at least one year of service as of June 30, 2012, the effective date on which, the Board of Directors of Rhinebeck Bank voted to freeze the Bank’s defined benefit plan.

 

The following table sets forth the plan’s funded status and amounts recognized in the Company’s consolidated statements of financial condition:

 

   Six months
ended June 30,
   Year ended
December 31,
 
   2019   2018 
   (unaudited)     
Projected and accumulated benefit obligation  $(20,390)  $(18,241)
Plan assets at fair value   19,608    17,459 
Funded status included in other liabilities  $(782)  $(782)

 

The net periodic pension (benefit) cost and amounts recognized in other comprehensive income (loss) are as follows:

 

   Six months ended
June 30,
   Year ended
December 31,
 
   2019   2018 
   (unaudited)     
Interest cost  $370   $689 
Expected return on plan assets   (470)   (1,074)
Amortization of unrecognized loss   219    374 
Net periodic cost (benefit)  $119   $(11)

 

The expected long-term rate of return on plan assets has been determined by applying historical average investment returns from published indexes relating to the current allocation of assets in the plan. Plan assets are invested in pooled separate accounts consisting of underlying investments in ten diversified investment funds.

 

As of June 30, 2019 and December 31, 2018, the investment funds included six equity funds and four fixed income funds, comprised of three bond funds and a real estate fund, each with its own investment objectives, investment strategies and risks, as detailed in the Company’s investment policy statement. The Company determines the appropriate strategic asset allocation versus plan liabilities, as governed by the investment policy statement.

 

 34 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

The assets of the plan are invested under the supervision of the Company’s investment committee in accordance with the investment policy statement. The investment options of the plan are chosen in a manner consistent with generally accepted standards of fiduciary responsibility. The investment performance of the Company’s individual investment managers, with the assistance of the Company’s investment consultant, is monitored on a quarterly basis and is reviewed at least annually relative to the objectives and guidelines as stated in the Company’s investment policy statement.

 

In 2018, the Company made a contribution to the plan in the amount of $570. The Company does not expect to make a contribution in 2019.

 

The fair value of the Company’s pension plan assets, by fair value hierarchy, are as follows:

 

   June 30, 2019 
   Level 1   Level 2   Level 3   Total 
   (unaudited) 
Assets:                    
Investment in separate accounts                    
Fixed income  $-   $15,169   $-   $15,169 
Equity   -    4,439    -    4,439 
Total assets at fair value  $-   $19,608   $-   $19,608 

 

   December 31, 2018 
   Level 1   Level 2   Level 3   Total 
Assets:                    
Investment in separate accounts                    
Fixed income  $-   $13,638   $-   $13,638 
Equity   -    3,821    -    3,821 
Total assets at fair value  $-   $17,459   $-   $17,459 

 

The pooled separate accounts are valued at the net asset per unit based on either the observable net asset value of the underlying investment or the net asset value of the underlying pool of securities. Net asset value is based on the value of the underlying assets owned by the fund, minus its liabilities and then divided by the number of shares outstanding. Pooled separate accounts are classified within level 2 of the valuation hierarchy described in Note 1.

 

For a detailed disclosure on the Bank’s pension and employee benefits plans, please refer to Note 11 of the Company’s Consolidated Financial Statements for the year ended December 31, 2018 included in the Company’s Annual Report on Form 10-K.

 

Defined Contribution Plan

 

The Company sponsors a 401(k) defined contribution plan. Participants are permitted, in accordance with the provisions of Section 401(k) of the Internal Revenue Code, to contribute up to 25% of their earnings (as defined) into the plan with the Company matching up to 6%, subject to Internal Revenue Service limitations. The Company’s contributions charged to operations amounted to $442 and $378 for the six months ended June 30, 2019 and 2018, respectively.

 

Bank Owned Life Insurance

 

The Company has an investment in and is the beneficiary of, life insurance policies on the lives of certain officers and trustees. The purpose of these life insurance policies is to provide income through the appreciation in cash surrender value of the policies, which is expected to offset the cost of the deferred compensation plans. These policies have aggregate cash surrender values of $18,218 and $18,018 at June 30, 2019 and December 31, 2018, respectively. Net earnings on these policies aggregated $200 and $199 for the six months ended June 30, 2019 and 2018, respectively, which are included in noninterest income in the consolidated statements of income.

 

 35 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

Deferred Compensation Arrangements

 

Directors’ Plan

 

The Bank’s Deferred Compensation Plan for Fees of Directors (the “Directors’ Plan”; as amended and restated effective January 1, 2005) covers Directors who elect to defer receipt of all or a portion of their fees until separation from service. Upon resignation, retirement, or death the participant’s total deferred compensation, including earnings thereon, will be paid out. At June 30, 2019 and December 31, 2018, total amounts due of $1,918 and $1,687, respectively, are included in accrued expenses and other liabilities. Total expenses related to the Directors’ Plan were $62 and $65 for the six months ended June 30, 2019 and 2018, respectively, which were included in noninterest expense in the consolidated statements of income.

 

Executive Long-Term Incentive and Retention Plan

 

The Bank maintains an Executive Long-Term Incentive and Retention Plan (the “Executive Plan”). Participation in the Executive Plan is limited to officers of the Company designated as participants by the Board of Directors and who filed a properly completed and executed participation agreement in accordance with the terms of the Executive Plan. Under the Executive Plan, the Board of Directors may grant annual incentive awards equal to a percentage of a participant’s base salary at the rate in effect on the last day of the Plan year, as determined by the Board of Directors based on the attainment of criteria established annually by the Board of Directors. Incentive awards under the Executive Plan are credited to the participant’s incentive benefit account as of the last day of the Executive Plan year to which the award relates and earn interest at a rate determined annually by the Board of Directors. Participants vest in their benefit accounts in accordance with the vesting schedule approved by the Board of Directors, which ranges from one to five years of service. At June 30, 2019 and December 31, 2018, $998 and $975, respectively, is included in accrued expenses and other liabilities, which represents the cumulative amounts deferred and earnings thereon. The Company recognized expenses of $271 and $175 for the six months ended June 30, 2019 and 2018, respectively, related to this plan and which are included in salaries and employee benefits expense in the consolidated statements of income.

 

Group Term Replacement Plan

 

Under the terms of the “Group Term Replacement Plan”, the Company provides postretirement life insurance benefits to certain officers. The liability related to these postretirement benefits is being accrued over the individual participants’ service period and aggregated $1,303 and $1,276, respectively, at June 30, 2019 and December 31, 2018. The Company recognized expenses of $26 for each of the six month periods ended June 30, 2019 and June 30, 2018, related to this plan which are included in salaries and employee benefits expense in the consolidated statements of income.

 

 36 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

Other Director and Officer Postretirement Benefits

 

The Company has individual fee continuation agreements with certain directors and a supplemental retirement agreement with an executive officer which provide for fixed postretirement benefits to be paid to the directors and the officer, or their beneficiaries, for periods ranging from 15 to 20 years. In addition, the Company has agreements with certain directors which provide for certain postretirement life insurance benefits. The liability related to these postretirement benefits is being accrued over the individual participants’ service period and aggregated $2,124 and $2,108, respectively, at June 30, 2019 and December 31, 2018. The Company recognized expenses of $48 and $51 for the six months ended June 30, 2019 and 2018, respectively, related to these benefits which are included in other noninterest expenses in the consolidated statements of income.

 

Employee Stock Ownership Plan

 

On January 1, 2019, the Bank established an Employee Stock Ownership Plan (“ESOP”) to provide eligible employees the opportunity to own Company stock. The plan is a tax-qualified retirement plan for the benefit of Bank employees. On January 16, 2019, the Company granted a loan to the ESOP for the purchase of 436,425 shares of the Company’s common stock at a price of $10.00 per share. The loan obtained by the ESOP from the Company to purchase the common stock is payable annually over 20 years at a rate per annum equal to the Prime Rate, reset annually on January 1st (5.50% at December 31, 2018). Loan payments are principally funded by cash contributions from the Bank. The loan is secured by the shares purchased, which are held in a suspense account for allocation among participants as the loan is repaid. The balance of the ESOP loan at June 30, 2019 was $4.4 million. Contributions are allocated to eligible participants on the basis of compensation, subject to federal tax limits. The number of shares committed to be released annually is 21,821 through 2039.

 

Shares held by the ESOP include the following:

 

   June 30, 2019 
Allocated   - 
Committed to be allocated   10,910 
Unallocated   425,515 
Total shares   436,425 

 

The fair value of unallocated shares was $4.7 million at June 30, 2019.

 

Total compensation expense recognized in connection with the ESOP for the six months ended June 30, 2019 was $183.

 

10.Commitments and Contingencies

 

Leases and Subleases

 

The Company leases certain branch offices and equipment under operating lease agreements which expire at various dates through 2025. The Company has the option to renew the leases for its branch offices at fair rental values. In addition to rental payments, the branch leases require payments for property taxes in excess of base year taxes.

 

 37 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

As of June 30, 2019, future minimum rental commitments under the terms of these leases, by year and in the aggregate, are as follows:

 

Years ending December 31:    
2019  $       337 
2020   641 
2021   564 
2022   509 
2023   486 
2024 and beyond   477 
      
Total  $3,014 

 

Total rental expense charged to operations for cancelable and non-cancelable operating leases was $323 and $317 for the six months ended June 30, 2019 and 2018, respectively. Rental income under subleases was $137 and $163 for the six months ended June 30, 2019 and 2018, respectively.

 

Legal Matters

 

The Company is involved in various legal proceedings which have arisen in the normal course of business. Management believes that resolution of these matters will not have a material effect on the Company's financial condition or results of operations.

 

Employment Agreements

 

The Company has entered into employment agreements with certain officers. The agreements provide for base salaries and incentive compensation based on performance criteria outlined in the agreements. The agreements also provide for insurance and various other benefits.

 

11.Financial Instruments with Off-Balance-Sheet Risk

 

In the normal course of business, the Company is a party to financial instruments with off-balance-sheet risk to meet the financing needs of its customers. These financial instruments include standby letters of credit and commitments to extend credit, which include new loan commitments and undisbursed portions of construction loans and other lines of credit. These financial instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the statements of financial condition. The contractual amounts of those instruments reflect the extent of involvement the Company has in particular classes of financial instruments.

 

The contractual amounts of commitments to extend credit represent the amounts of potential loss should the contract be fully drawn upon, the customer defaults and the value of any existing collateral become worthless. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments.

 

 38 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

Financial instruments whose contract amounts represent off-balance sheet credit risk are as follows:

 

   June 30,   December 31, 
   2019   2018 
   (unaudited)     
Commitments to extend credit summarized as follows:          
Future loan commitments  $3,910   $3,157 
Undisbursed construction loans   11,188    16,289 
Undisbursed home equity lines of credit   9,716    9,532 
Undisbursed commercial and other line of credit   52,402    50,773 
Standby letters of credit   2,922    1,785 
Total  $80,138   $81,536 

 

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Since these commitments could expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements.

 

The Company evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management's credit evaluation of the counterparty. Collateral held varies but may include residential and commercial property, deposits and securities.

 

12.Regulatory Matters

 

The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of the Company's and the Bank’s assets, liabilities and certain off-balance-sheet items, as calculated under regulatory accounting practices. The Company's and the Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.

 

The final rules implementing the BASEL Committee on Banking Supervisor’s Capital Guidance for U.S. Banks (BASEL III) became effective for the Company and Bank on January 1, 2016. Compliance with the requirements was phased in over a four year period with full compliance as of January 1, 2019. All presented capital ratios are calculated using BASEL III rules.

 

Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth in the tables below) of total, common equity Tier 1 and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined) and of Tier I capital (as defined) to average assets (as defined). Management believes, as of June 30, 2019 and December 31, 2018, that the Company and the Bank met all capital adequacy requirements to which they are subject.

 

 39 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

The most recent notification from the Federal Deposit Insurance Corporation (“FDIC”) categorized the Bank as “well capitalized” under the regulatory framework. To be categorized as well capitalized, the Bank must maintain minimum total risk-based, common equity Tier 1, Tier I risk-based and Tier I leverage ratios as set forth in the table below. There are no conditions or events since then, which management believes have changed the Bank's category.

 

The Company’s and Bank's actual capital amounts and ratios were:

 

   Actual   For Capital
Adequacy Purposes
   To be Well
Capitalized under
Prompt Corrective
Action Provisions
 
   Amount   Ratio   Amount   Ratio   Amount   Ratio 
   June 30, 2019 
   (unaudited) 
Rhinebeck Bancorp, Inc.                              
Total capital (to risk-weighted assets)  $116,098    14.69%  $63,232    8.00%  $79,039    10.00%
Tier 1 capital (to risk-weighted assets)   108,240    13.69%   47,424    6.00%   63,232    8.00%
Common equity tier one capital (to risk weighted assets)   108,240    13.69%   35,568    4.50%   51,376    6.50%
Tier 1 capital (to average assets)   108,240    11.92%   36,319    4.00%   45,398    5.00%
                               
Rhinebeck  Bank                              
Total capital (to risk-weighted assets)  $107,591    13.62%  $63,219    8.00%  $79,024    10.00%
Tier 1 capital (to risk-weighted assets)   99,733    12.62%   47,414    6.00%   63,219    8.00%
Common equity tier one capital (to risk weighted assets)   99,733    12.62%   35,561    4.50%   51,366    6.50%
Tier 1 capital (to average assets)   99,733    11.04%   36,149    4.00%   45,186    5.00%
                               
   December 31, 2018  
Rhinebeck Bancorp, MHC                              
Total capital (to risk-weighted assets)  $71,243    9.71%  $58,707    8.00%  $73,383    10.00%
Tier 1 capital (to risk-weighted assets)   64,597    8.80%   44,030    6.00%   58,707    8.00%
Common equity tier one capital (to risk weighted assets)   64,597    8.80%   33,023    4.50%   47,699    6.50%
Tier 1 capital (to average assets)   64,597    7.63%   33,849    4.00%   42,311    5.00%
                               
Rhinebeck  Bank                              
Total capital (to risk-weighted assets)  $81,222    11.07%  $58,694    8.00%  $73,368    10.00%
Tier 1 capital (to risk-weighted assets)   74,576    10.16%   44,021    6.00%   58,694    8.00%
Common equity tier one capital (to risk weighted assets)   74,576    10.16%   33,016    4.50%   47,689    6.50%
Tier 1 capital (to average assets)   74,576    8.80%   33,901    4.00%   42,376    5.00%

 

 40 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

13.Fair Value

 

As described in Note 1, the Company uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. A description of the valuation methodologies used for assets and liabilities recorded at fair value and for estimating fair value for financial and non-financial instruments not recorded at fair value, is set forth below.

 

Cash and Due from Banks, Accrued Interest Receivable and Mortgagors' Escrow Accounts

 

The carrying amount is a reasonable estimate of fair value.

 

Available for Sale Securities

 

Where quoted prices are available in an active market for identical securities, securities are classified within Level 1 of the valuation hierarchy. Level 1 securities include marketable equity securities and U.S. Treasury obligations. If quoted prices are not available, then fair values are estimated by using pricing models (i.e., matrix pricing) or quoted prices of securities with similar characteristics and are classified within Level 2 of the valuation hierarchy. Examples of such instruments include government agency bonds, mortgage-backed securities and municipal bonds. The Company does not have any Level 3 securities for which significant unobservable inputs are utilized. Available for sale securities are recorded at fair value on a recurring basis and held to maturity securities are only disclosed at fair value.

 

FHLB Stock

 

The carrying value of FHLB stock approximates fair value based on the redemption provisions of the FHLB.

 

Loans

 

Loans receivable are carried at cost. For variable rate loans which reprice frequently and have no significant change in credit risk, carrying values are a reasonable estimate of fair values, adjusted for credit losses inherent in the portfolios. The fair value of fixed rate loans is estimated by discounting the future cash flows using the year end rates, estimated using local market data, at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities, adjusted for credit losses inherent in the portfolios. The Company does not record loans at fair value on a recurring basis. However, from time to time, nonrecurring fair value adjustments to collateral-dependent impaired loans are recorded to reflect partial write-downs based on the observable market price or current appraised value of collateral. The fair value of loans held for sale is estimated using quoted market prices.

 

Other Real Estate Owned

 

Other real estate owned represents real estate acquired through foreclosure and is carried at the lower of cost or fair value less estimated selling costs. Fair value is based upon independent market prices, appraised values of the collateral or management’s estimation of the value of the collateral. These assets are included as Level 3 fair values, based upon the lowest level of input that is utilized in the fair value measurements.

 

 41 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

Mortgage Servicing Rights

 

The fair value of mortgage servicing rights is based on a valuation model that calculates the present value of estimated future net servicing income.

 

Deposits

 

Deposit liabilities are carried at cost. The fair value of NOW, savings and money market deposits is the amount payable on demand at the reporting date. The fair value of time certificates of deposit is estimated using a discounted cash flow calculation that applies interest rates currently being offered for deposits of similar remaining maturities estimated using local market data to a schedule of aggregated expected maturities on such deposits.

 

Advances from the FHLB

 

The fair value of the advances is estimated using a discounted cash flow calculation that applies current FHLB interest rates for advances of similar maturity to a schedule of maturities of such advances.

 

Subordinated Debt

 

Based on the floating rate characteristic of these instruments, the carrying value is considered to approximate fair value.

 

Other Borrowings

 

Based on the floating rate characteristic of these instruments, the carrying value is considered to approximate fair value.

 

Off-Balance-Sheet Instruments

 

Fair values for off-balance-sheet lending commitments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties' credit standings. Such amounts are not significant.

 

 42 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

The following tables detail the assets that are carried at fair value on a recurring basis as of the periods shown and indicate the fair value hierarchy of the valuation techniques utilized by the Company to determine the fair value:

 

       Quoted Prices         
       in Active   Significant   Significant 
       Markets for   Observable   Unobservable 
       Identical Assets   Inputs   Inputs 
   Balance   (Level 1)   (Level 2)   (Level 3) 
   June 30, 2019 
   (unaudited) 
U.S. Treasury securities  $-   $-   $-   $- 
U.S. government agency mortgage-backed securities-residential   89,713    -    89,713    - 
U.S. government agency securities   19,847    -    19,847    - 
Municipal securities   1,247    -    1,247    - 
Other   591    -    591    - 
                     
Total  $111,398   $-   $111,398   $- 
                     
   December 31, 2018 
U.S. Treasury securities  $2,971   $2,971   $-   $- 
U.S. government agency mortgage-backed securities-residential   80,216    -    80,216    - 
U.S. government agency securities   16,468    -    16,468    - 
Municipal securities   1,232    -    1,232    - 
    425    -    425    - 
Total  $101,312    2,971   $98,341   $- 

 

 43 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

The following tables detail the assets carried at fair value and measured at fair value on a nonrecurring basis as of June 30, 2019 and December 31, 2018 and indicate the fair value hierarchy of the valuation techniques utilized by the Company to determine the fair value:

 

       Quoted Prices         
       in Active   Significant   Significant 
       Markets for   Observable   Unobservable 
       Identical Assets   Inputs   Inputs 
   Balance   (Level 1)   (Level 2)   (Level 3) 
   June 30, 2019 
   (unaudited) 
Impaired loans, with specific reserves  $196   $-   $-   $196 
Other real estate owned   -    -    -    - 
                     
Total  $196   $-   $-   $196 
                     
   December 31, 2018 
Impaired loans, with specific reserves  $128   $-   $-   $128 
Other real estate owned   935    -    -    935 
                     
Total  $1,063   $-   $-   $1,063 

 

The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which the Company has utilized Level 3 inputs to determine fair value:

 

   Quantitative Information About Level 3 Fair Value Measurements
   Fair Value   Valuation  Unobservable  Range
   Estimate   Techniques  Input  (Weighted Average)
    June 30, 2019
  (unaudited)
Impaired loans  $196   Appraisal of collateral(1)  Appraisal adjustments(2)  0% to 20%
               
Other real estate owned   0   Appraisal of collateral(1)  Liquidation expenses(3)  0% to 6%
           Appraisal adjustments(2)  0% to 20%
               
   December 31, 2018
Impaired loans  $128   Appraisal of collateral(1)  Appraisal adjustments(2)  0% to 20%
               
Other real estate owned   935   Appraisal of collateral(1)  Liquidation expenses(3)  0% to 6%
           Appraisal adjustments(2)  0% to 20%

 

(1)Fair value is generally through independent appraisals of the underlying collateral that generally include various level 3 inputs which are not identifiable.
(2)Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range of liquidation expenses and other appraisal adjustments are presented as a percent of the appraised value.
(3)Estimated costs to sell.

 

 44 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

The Company discloses fair value information about financial instruments, whether or not recognized in the statements of financial condition, for which it is practicable to estimate that value. Certain financial instruments are excluded from disclosure requirements. Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company.

 

The estimated fair value amounts for 2019 and 2018 have been measured as of their respective reporting dates and have not been reevaluated or updated for purposes of these financial statements subsequent to those respective dates. As such, the estimated fair values of these financial instruments subsequent to the respective reporting dates may be different than amounts reported at each year-end.

 

The information presented should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only required for a limited portion of the Company's assets and liabilities. Due to the wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company's disclosures and those of other companies may not be meaningful.

 

As of the following dates, the carrying value and fair values of the Company's financial instruments were:

 

   June 30,   December 31, 
   2019   2018 
   (unaudited)         
   Carrying
Value
   Fair Value   Carrying
Value
   Fair Value 
                     
Financial Assets:                    
Cash and due from banks   (Level 2)  $11,969   $11,969   $50,590   $50,590 
Available for sale securities (Level 2)   111,398    111,398    101,312    101,312 
FHLB stock (Level 2)   3,355    3,355    1,883    1,883 
Loans, net (Level 3)   737,293    737,182    678,402    674,287 
Accrued interest receivable (Level 2)   2,874    2,874    2,523    2,523 
Mortgage servicing rights (Level 3)   2,203    4,138    2,278    4,667 
                     
Financial Liabilities:                    
Deposits (Level 2)   716,858    700,242    684,418    683,163 
Mortgagors escrow accounts (Level 2)   10,400    10,400    7,725    7,725 
FHLB advances (Level 2)   64,541    64,541    31,598    31,598 
Subordinated debt and other borrowings (Level 2)   5,155    5,155    10,155    10,155 

 

 45 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

14.Revenue Recognition

 

The Company generally fully satisfies its performance obligations on its contracts with customers as services are rendered and the transaction prices are typically fixed; charged either on a periodic basis or based on activity. Because performance obligations are satisfied as services are rendered and the transaction prices are fixed, there is little judgment involved in applying Topic 606 that significantly affects the determination of the amount and timing of revenue from contracts with customers.  The main types of revenue contracts included in non-interest income within the consolidated statements of operations are as follows:

 

·Fees for services to customers include service charges on deposits which are included as liabilities in the consolidated statements of financial condition and consist of transaction-based fees: stop payment fees, Automated Clearing House (ACH) fees, account maintenance fees, wire fees, official check fees and overdraft services fees for various retail and business checking customers. These fees are charged as earned on the day of the transaction or within the month of the service. Service charges on deposits are withdrawn directly from the customer’s account balance. ATM and debit card fees are recognized at the time the transaction is executed as that is the point in time the Company fulfills the customer’s request. Sales of checks to depositors earn fees as a contractual discount to the retail price of the sale from a third-party provider. These fees earned are remitted by the third-party to the Company quarterly.

 

·The Company earns interchange fee income from credit/debit cardholder transactions conducted through MasterCard payment networks.  Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized monthly, concurrently with the transaction processing services provided to the cardholder within the month.

 

·The Company records a gain or loss from the sale of OREO when control of the property transfers to the buyer, which generally occurs at the time of an executed deed; at this time the OREO asset is derecognized and the gain or loss on the sale is recorded. Rental income received from leased OREO property is recognized during the month it is earned.

 

·Retail brokerage and advisory fee income is accrued monthly to properly record the revenues in the month they are earned.  Advisory fees are collected in advance on a quarterly basis.  These advisory fees are recorded in the first month of the quarter for which the service is being performed.  Investments into mutual funds and annuities generate fees that are recorded as revenue at the time of the initial sale. In subsequent years the mutual funds and variable annuities generate recurring fees (referred to as 12B-1 fees) that are paid in advance on the anniversary of the original transaction. Fees that are transaction based are recognized at the point in time that the transaction is executed (i.e. trade date). Life insurance products are sold on a commission basis that generates a fee that is recorded as revenue within the month of the approved transaction.

 

·Other income includes rental income, mortgage origination and service fees and late fees on serviced mortgages. All items are recorded as revenue within the month that the service is provided.

 

 46 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

15.Accumulated Other Comprehensive Loss

 

The activity in accumulated other comprehensive loss for the three months and six months ended June 30, 2019 and 2018, is as follows:

 

   Accumulated Other Comprehensive Loss (1) 
   Defined
Benefit
Pension Plan
  

Unrealized gains

(losses) on

available for sale

securities

   Total 
Balance at March 31, 2019 (unaudited)  $(284)  $(5,632)  $(5,916)
Other comprehensive (loss) gain before reclassifications   (32)   1,492    1,460 
Amounts reclassified from accumulated other comprehensive loss   70    31    101 
Period change   38    1,523    1,561 
Balance at June 30, 2019  (unaudited)  $(246)  $(4,109)  $(4,355)
                
Balance at March 31, 2018 (unaudited)  $(534)  $(7,495)  $(8,029)
Other comprehensive gain (loss) before reclassifications   650    (335)   315 
Amounts reclassified from accumulated other comprehensive loss   148    -    148 
Period change   798    (335)   463 
Balance at June 30, 2018  (unaudited)  $264   $(7,830)  $(7,566)
     
   Accumulated Other Comprehensive Loss (1) 
  

Defined

Benefit

Pension Plan

  

Unrealized gains

(losses) on

available for sale

securities

   Total 
Balance at December 31, 2018  $(339)  $(6,673)  $(7,012)
Other comprehensive (loss) gain before reclassifications   (48)   2,533    2,485 
Amounts reclassified from accumulated other comprehensive loss   141    31    172 
Period change   93    2,564    2,657 
Balance at June 30, 2019  (unaudited)  $(246)  $(4,109)  $(4,355)
                
Balance at December 31, 2017  $(534)  $(6,421)  $(6,955)
Other comprehensive gain (loss) before reclassifications   650    (1,410)   (760)
Amounts reclassified from accumulated other comprehensive loss   148    1    149 
Period change   798    (1,409)   (611)
Balance at June 30, 2018  (unaudited)  $264   $(7,830)  $(7,566)

 

(1) All amounts are net of tax. Related income tax expense or benefit is calculated using an income tax rate of 21.0%.

 

 47 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

Details about accumulated other comprehensive loss components are as follows:

 

  

Amount Reclassified from

Accumulated Other Comprehensive

Income (Loss) For the Three Months

Ended June 30,

  

Affected Line Item in the Consolidated

Statement of Income

   2019   2018    
   (unaudited)    
Securities available for sale (1):             
Net securities losses reclassified into earnings  $(40)  $-   Net realized loss on sales and calls of securities
Related income tax benefit   9    -   Provision for income taxes
Net effect on accumulated other other comprehensive loss for the period   (31)   -    
Defined benefit pension plan (2):             
Amortization of net loss and prior service costs   (89)   (187)  Salaries and employee benefits
Related income tax benefit   19    39   Provision for income taxes
Net effect on accumulated other other comprehensive loss for the period   (70)   (148)   
Total reclassifications for the period  $(101)  $(148)   
        
  

Amount Reclassified from

Accumulated Other Comprehensive

Income (Loss) For the Six Months Ended

June 30,

  

Affected Line Item in the Consolidated

Statement of Income

   2019   2018    
   (unaudited)    
Securities available for sale (1):             
Net securities losses reclassified into earnings  $(40)  $(1)  Net realized loss on sales and calls of securities
Related income tax expense   9    -   Provision for income taxes
Net effect on accumulated other other comprehensive loss for the period   (31)   (1)   
Defined benefit pension plan (2):             
Amortization of net loss and prior service costs   (179)   (187)  Salaries and employee benefits
Related income tax expense   38    39   Provision for income taxes
Net effect on accumulated other other comprehensive loss for the period   (141)   (148)   
Total reclassifications for the period  $(172)  $(149)   

 

(1) For additional details related to unrealized gains and losses on securities and related amounts reclassified from accumulated other comprehensive loss see Note 2, “Investment Securities.”
(2) Included in the computation of net periodic pension cost. See Note 9, “Employee Benefits” for additional details.

 

 48 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

 

16.Earnings Per Share

 

Basic earnings per share represent income available to common stockholders divided by the weighted-average number of common shares outstanding during the period. Unallocated ESOP shares are not deemed outstanding for earnings per share calculations. There were no potentially dilutive common stock equivalents as of June 30, 2019. Earnings per share data is not applicable for the period ended June 30, 2018 because the Company had not yet been formed and had no shares outstanding.

 

(Dollars in thousands, except for per share data) 

Three months ended

June 30, 2019

  

Six months ended June

30, 2019

 
   (unaudited)   (unaudited) 
Net income applicable to common stock  $1,221   $2,132 
           
Average number of common shares outstanding   11,133,290    11,133,290 
Less: Average unallocated ESOP shares   428,243    430,970 
Average number of common shares outstanding used to calculate basic earnings per common share   10,705,047    10,702,320 
           
Earnings per Common share:          
Basic  $0.11   $0.20 
Diluted  $0.11   $0.20 

 

 49 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

(Dollars in thousands, except per share data)

 

Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations

 

General

 

Management’s discussion and analysis of financial condition and results of operations at June 30, 2019 and December 31, 2018 and for the six months ended June 30, 2019 and 2018 is intended to assist in understanding the financial condition and results of operations of the Company and the Bank. The information contained in this section should be read in conjunction with the unaudited financial statements and the notes thereto appearing in Part I, Item 1, of this Quarterly Report on Form 10-Q.

 

Cautionary Note Regarding Forward-Looking Statements

 

This report contains forward-looking statements, which can be identified by the use of words such as “estimate,” “project,” “believe,” “intend,” “anticipate,” “plan,” “seek,” “expect”, "intend", “predict”, “forecast”, “improve”, “continue”, "will", "would", "should", "could", "may" and words of similar meaning. These forward-looking statements include, but are not limited to:

 

  statements of our goals, intentions and expectations;

 

  statements regarding our business plans, prospects, growth and operating strategies;

 

  statements regarding the quality of our loan and investment portfolios; and

 

  estimates of our risks and future costs and benefits.

 

These forward-looking statements are based on current beliefs and expectations of our management and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change. Forward looking statements, by their nature, are subject to risks and uncertainties.

 

The following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements:

 

  general economic conditions, either nationally or in our market area, that are worse than expected;

 

  changes in the level and direction of loan delinquencies and charge-offs and changes in estimates of the adequacy of the allowance for loan losses;

 

  our ability to access cost-effective funding;

 

  fluctuations in real estate values and both residential and commercial real estate market conditions;

 

  demand for loans and deposits in our market area;

 

  our ability to continue to implement our business strategies;

 

  competition among depository and other financial institutions;

  

 50 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

(Dollars in thousands, except per share data)

  

  inflation and changes in market interest rates that reduce our margins and yields, reduce the fair value of financial instruments or reduce our volume of loan originations, or increase the level of defaults, losses and prepayments on loans we have made and make whether held in portfolio or sold in the secondary market;

 

  adverse changes in the securities markets;

 

  changes in laws or government regulations or policies affecting financial institutions, including changes in regulatory fees and capital requirements;

 

  our ability to manage interest rate risk, market risk, credit risk and operational risk;

 

  our ability to enter new markets successfully and capitalize on growth opportunities;

 

  the imposition of tariffs or other domestic or international governmental polices impacting the value of the agricultural or other products of our borrowers;

 

  our ability to successfully integrate into our operations any assets, liabilities or systems we may acquire, as well as new management personnel or customers, and our ability to realize related revenue synergies and cost savings within expected time frames and any goodwill charges related thereto;

 

  changes in consumer spending, borrowing and savings habits;

 

  changes in accounting policies and practices, as may be adopted by the bank regulatory agencies, the Financial Accounting Standards Board, the Securities and Exchange Commission or the Public Company Accounting Oversight Board;

 

  our ability to retain key employees;

 

  our compensation expense associated with equity allocated or awarded to our employees; and

 

  changes in the financial condition, results of operations or future prospects of issuers of securities that we own.

 

Additional factors that may affect our results are discussed in our Annual Report on Form 10-K under the heading “Risk Factors.” Because of these and other uncertainties, our actual future results may be materially different from the results indicated by these forward-looking statements. Accordingly, you should not place undue reliance on such statements.

 

Critical Accounting Policies

 

A summary of our accounting policies is described in Note 1 to the unaudited consolidated financial statements included Item 1 of this report. Critical accounting estimates are necessary in the application of certain accounting policies and procedures and are particularly susceptible to significant change. Critical accounting policies are defined as those involving significant judgments and assumptions by management that could have a material impact on the carrying value of certain assets or on income under different assumptions or conditions. Actual results could differ from these judgments and estimates under different conditions, resulting in a change that could have a material impact on the carrying values of our assets and liabilities and our results of operations. Management believes that the most critical accounting policies, which involve the most complex or subjective decisions or assessments, are as follows:

 

 51 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

(Dollars in thousands, except per share data)

 

Allowance for Loan Losses.   The methodology for determining the allowance for loan losses is considered a critical accounting policy by management because of the high degree of judgment involved, the subjectivity of the assumptions used, and the potential for changes in the economic environment that could result in changes to the amount of the recorded allowance for loan losses. The allowance for loan losses is determined by management based upon portfolio segment, past experience, evaluation of estimated loss and impairment in the loan portfolio, current economic conditions and other pertinent factors. Management also considers risk characteristics by portfolio segments. The allowance for loan losses is maintained at a level that management considers adequate to provide for estimated losses and impairment based upon an evaluation of known and inherent risk in the loan portfolio. Loan impairment is evaluated based on the fair value of collateral or cash flows. While management uses the best information available to make such evaluations, future adjustments to the allowance may be necessary if economic conditions differ substantially from the assumptions used in making the evaluations.

 

The allowance for loan losses is established through a provision for loan losses charged to expense, which is based upon past loan loss experience and an evaluation of estimated losses in the current loan portfolio, including the evaluation of impaired loans. Determining the amount of the allowance for loan losses necessarily involves a high degree of judgment. Among the material estimates required to establish the allowance are: overall economic conditions; value of collateral; strength of guarantors; loss exposure at default; the amount and timing of future cash flows on impaired loans; and determination of loss factors to be applied to the various elements of the portfolio. All of these estimates are susceptible to significant change. Management regularly reviews the level of loss experience, current economic conditions and other factors related to the collectability of the loan portfolio. Although we believe that we use the best information available to establish the allowance for loan losses, future adjustments to the allowance may be necessary if economic conditions differ substantially from the assumptions used in making the evaluation. In addition, our banking regulators, as an integral part of their examination process, periodically review our allowance for loan losses. Our banking regulators may require us to recognize adjustments to the allowance based on judgments about information available to them at the time of its examination.

 

Our financial results are affected by the changes in and the level of the allowance for loan losses. This process involves our analysis of internal and external variables, and it requires that we exercise judgment to estimate an appropriate allowance for loan losses. As a result of the uncertainty associated with this subjectivity, we cannot assure you that our allowance will be adequate if we experience sizeable loan losses in any particular period.

 

Deferred Income Taxes.   At June 30, 2019, we had net deferred tax assets totaling $2.5 million. In accordance with Accounting Standards Codification (“ASC”) Topic 740 “Income Taxes,” we use the asset and liability method of accounting for income taxes. Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. If currently available information raises doubt as to the realization of the deferred tax assets, a valuation allowance is established. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. We exercise significant judgment in evaluating the amount and timing of recognition of the resulting tax assets and liabilities. These judgments require us to make projections of future taxable income. The judgments and estimates we make in determining our deferred tax assets are inherently subjective and are reviewed on a regular basis as regulatory or business factors change. Any reduction in estimated future taxable income may require us to record a valuation allowance against our deferred tax assets. A valuation allowance that results in additional income tax expense in the period in which it is recognized would negatively affect earnings. Management believes, based upon current facts, that it is more likely than not that there will be sufficient taxable income in future years to realize the federal portion of its deferred tax assets. However, due to changes in New York state tax law, we do not believe we can realize our state deferred tax assets. Accordingly, we established a 100% valuation allowance or $1.2 million, against such assets.

 

 52 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

(Dollars in thousands, except per share data)

 

Fair Value Measurements. The fair value of a financial instrument is defined as the amount at which the instrument could be exchanged in a current transaction between willing parties, other than in a forced or liquidation sale. We estimate the fair value of a financial instrument and any related asset impairment using a variety of valuation methods. Where financial instruments are actively traded and have quoted market prices, quoted market prices are used for fair value. When the financial instruments are not actively traded, other observable market inputs, such as quoted prices of securities with similar characteristics, may be used, if available, to determine fair value. When observable market prices do not exist, we estimate fair value. These estimates are subjective in nature and imprecision in estimating these factors can impact the amount of revenue or loss recorded. A more detailed description of the fair values measured at each level of the fair value hierarchy and the methodology we utilize can be found in Note 13 to the unaudited consolidated financial statements included in Item 1 of this report.

 

Investment Securities. Available for sale and held to maturity securities are reviewed regularly for possible other-than-temporary impairment. The review includes an analysis of the facts and circumstances of each individual investment such as the severity of loss, the length of time the fair value has been below cost, the expectation for that security’s performance, the creditworthiness of the issuer and our intent and ability to hold the security to recovery. A decline in value that is considered to be other-than-temporary is recorded as a loss within non-interest income in the statements of income. At June 30, 2019, we believe the unrealized losses are primarily a result of increases in market interest rates from the time of purchase. In general, as market interest rates rise, the fair value of securities will decrease; as market interest rates fall, the fair value of securities will increase. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value.

  

Goodwill.    The assets (including identifiable intangible assets) and liabilities acquired in a business combination are recorded at fair value at the date of acquisition. Goodwill is recognized for the excess of the acquisition cost over the fair values of the net assets acquired and is not subsequently amortized. Identifiable intangible assets include customer lists and are being amortized on a straight-line basis over their estimated lives. Management assesses the recoverability of goodwill at least on an annual basis and all intangible assets whenever events or changes in circumstances indicate that their carrying value may not be recoverable. The impairment test uses a combined qualitative and quantitative approach. The initial qualitative approach assesses whether the existence of events or circumstances led to a determination that it is more likely than not that the fair value of a reporting unit is less than its carrying amount. If, after this assessment, we determine that it is more likely than not that the fair value is less than the carrying value, the two-step quantitative impairment test is performed. Step one of the quantitative impairment test compares book value to the fair value of the reporting unit. If step one is failed, a more detailed analysis is performed, which involves measuring the excess of the fair value of the reporting unit, as determined in step one, over the aggregate fair value of the individual assets, liabilities, and identifiable intangibles as if the reporting unit was being acquired in a business combination. If the carrying amount exceeds fair value, an impairment charge is recorded through earnings.

 

 53 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

(Dollars in thousands, except per share data)

 

Pension Obligations.   We maintain a non-contributory defined benefit pension plan, which was frozen in 2012. We account for benefits under the plan in accordance with ASC Topic 715 “Pension and Other Postretirement Benefits.” The guidance requires an employer to: (1) recognize in its statement of financial position the over funded or underfunded status of a defined benefit postretirement plan measured as the difference between the fair value of plan assets and the benefit obligation; (2) measure a plan’s assets and its obligations that determine its funded status as of the end of the employer’s fiscal year (with limited exceptions); and (3) recognize as a component of other comprehensive income, net of tax, the actuarial gains and losses and the prior service costs and credits that arise during the period.

 

Comparison of Financial Condition at June 30, 2019 and December 31, 2018

 

Total Assets. Total assets were $913.1 million at June 30, 2019, representing an increase of $30.7 million, or 3.5%, compared to $882.4 million at December 31, 2018.  The increase was primarily related to an increase in the loan portfolio and available for sale securities, which was substantially offset by a $38.6 million decrease in cash balances on hand. Prior to year-end, subscription receipts had temporarily increased our federal fund balances to $37.1 million.

 

Cash and Due from Banks. Cash and due from banks decreased $38.6 million, or 76.3%, to $12.0 million at June 30, 2019 from $50.6 million at December 31, 2018 primarily due to the return of $41.1 million of unfilled subscriptions for Rhinebeck Bancorp, Inc.’s stock offering. 

 

Investment Securities Available for Sale. Investment securities available for sale increased $10.1 million, or 10.0%, to $111.4 million at June 30, 2019 from $101.3 million at December 31, 2018. This increase was due to purchases of mortgage backed securities of $18.8 million, principal pay-downs of $7.0 million and a reduction in unrealized loss of $3.3 million, offset by sales of $5.0 million.

 

Net Loans. Total net loans receivable were $737.3 million at June 30, 2019, an increase of $58.9 million, or 8.7%, as compared to $678.4 million at December 31, 2018. The primary increase was in our indirect automobile portfolio, which increased $41.2 million, or 13.9%, as we continued to increase the number of dealerships in Albany and grow that line of business. The net increase in commercial real estate loans totaled $16.1 million, or 7.2%, as compared to December 31, 2018. During the same period our allowance for loan losses increased $1.2 million, or 18.2%, to reflect the additional potential future risk of loss primarily related to the significant growth in our indirect automobile portfolio.

 

Overdue and non-accrual loans decreased $400, or 2.8%, between year end and June 30, 2019. During the same timeframe non-performing assets increased $371 or 5.0%.

 

Total Liabilities.  Total liabilities decreased $15.6 million, or 1.9%, to $807.5 million at June 30, 2019, primarily due to the release of $88.9 million in gross subscription offering proceeds and a $5 million line of credit pay-down, offset by an increase of $32.9 million in Federal Home Loan Bank advances and a $32.4 million increase in deposits.

 

Deposits. Overall deposits increased 4.5%, or $32.4 million, to $716.9 million at June 30, 2019.  Interest bearing accounts grew 10.1%, or $51.6 million, to $564.2 million while non-interest bearing balances decreased 11.1% or $19.1 million finishing the first six months at $152.7 million.

 

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Rhinebeck Bancorp, Inc. and Subsidiary

(Dollars in thousands, except per share data)

 

Borrowed Funds. Advances from the Federal Home Loan Bank increased $32.9 million from $31.6 million at December 31, 2018 to $64.5 million at June 30, 2019, in order to support loan growth that exceeded deposit growth. A $5 million borrowing undertaken just prior to year end to maintain year end capital ratios, in light of the temporary negative impacts of our offering, was paid back at the close of the stock offering in January 2019.

 

Stockholders’ Equity. Stockholders' equity increased $46.3 million to $105.6 million, primarily due to proceeds from the common stock offering of $45.7 million recorded in additional paid-in capital. At June 30, 2019, the Company’s book value per share was $9.48. At June 30, 2019, the Company's ratio of stockholders' equity-to-total assets was 11.6%, compared to 6.7% at December 31, 2018. This ratio was significantly impacted by the stock offering and reorganization. Unallocated common stock held by the Bank’s employee stock ownership plan was $4.4 million at June 30, 2019.

 

Comparison of Operating Results for the Three and Six Months Ended June 30, 2019 and June 30, 2018

 

Net Income. Net income for the three months ended June 30, 2019 increased $642, or 110.9%, to $1.2 million, or $0.11 per basic and diluted share, compared to net income of $579 for the three months ended June 30, 2018. Interest and dividend income increased $2.1 million, or 26.8%, interest expense increased $984, or 81.0%, the provision for loan losses increased $255, or 48.6%, noninterest income increased $549, or 62.1%, while other expenses and taxes increased $805, or 12.3%, between comparable quarters.

 

For the six months ended June 30, 2019, net income was $2.1 million, or $0.20 per basic and diluted share, compared to $1.2 million for the six months ended June 30, 2018. Interest income increased by $4.1 million, or 27.0%, and noninterest income increased $565, or 26.5%, between the two six-month periods. These revenue gains were partially offset by a $1.8 million, or 83.1%, increase in interest expense, a $510 increase in provision for loan losses, and a $1.5 million, or 11.1%, increase in other noninterest and tax expenses during the equivalent timeframes.

 

Net Interest Income. Net interest income increased $1.2 million, or 17.0%, to $7.9 million for the three months ended June 30, 2019 compared to the quarter ended June 30, 2018. The ratio of average interest-earning assets to average interest-bearing liabilities improved 4.9% to 136.5% while our net interest margin declined by 5 basis points to 3.75% when comparing the second quarter of 2019 to the same period in 2018.

 

For the six months ended June 30, 2019, net interest income increased $2.3 million, or 17.7%, to $15.5 million from $13.2 million for the comparable 2018 period. Overall there was a 1 basis point decline in net interest margin to 3.77%, when comparing the respective six month periods while the ratio of average interest-earning assets to average interest-bearing liabilities improved 5.3% to 137.7%.

 

Interest Income. Interest income increased $2.1 million, or 26.8%, to $10.1 million for the three months ended June 30, 2019 from $8.0 million for the comparable 2018 period. The average balances of interest-earning assets increased by $133.5 million, or 18.7%, to $847.9 million while the average yield improved 31 basis points to 4.79%

 

The average balance of interest-earning assets increased by $126.4 million, or 18.0%, to $828.6 million while the average yield improved by 34 basis points to 4.74% when comparing the six month periods ended June 30, 2019 and 2018, respectively.

 

In both comparable periods, interest income increases were mostly driven by continued origination of a greater volume of higher-yielding indirect automobile loans at very favorable rates accompanied by additional production of commercial loans.

 

 55 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

(Dollars in thousands, except per share data)

 

Interest Expense. Interest expense increased $1.0 million or 81.0%, to $2.2 million for the three months ended June 30, 2019 over the comparable 2018 period. The average balance of total interest-bearing liabilities increased by $72.4 million, or 13.2%, to $621.3 million while interest rates on those balances increased 53 basis points to an average of 1.42% when comparing the quarters ended June 30, 2019 and 2018.

 

For the six months ended June 30, 2019, interest expense grew $1.8 million, or 83.1%, to $4.0 million from $2.2 million for the comparable 2018 period, while the average balance of total interest-bearing liabilities increased by $64.7 million, or 12.0%, year over year. The increase in interest expense was also driven by a 52 basis point increase in the overall cost of average interest-bearing liabilities to 1.34% for the first half of 2019 from the first half of 2018.

 

Provision for Loan Losses. We recorded $780 in provision for loan losses for the three month period ended June 30, 2019, as compared to $525 for the comparable three month period of 2018. Management deemed the increase adequate to offset the $105 in net charge-offs experienced and to absorb the expected new losses that are forecasted to develop in the $30.4 million of growth in gross loans that occurred during the quarter ended June 30, 2019. Net charge-offs for the quarter ended June 30, 2018 totaled $206.

 

We recorded a $1.6 million provision for loan losses through the first six months of 2019 as compared to $1.1 million for the same six months in 2018, an increase of 48.6% period over period. While actual net charge-offs declined in comparative periods by $220, or 38.7%, from $568 to $348, loan balance growth, especially in our indirect automobile portfolio, required an increase in the provision for future possible risks of loss.

 

Non-Interest Income. Non-interest income totaled $1.4 million for the three months ended June 30, 2019; an increase of $549, or 62.1%, compared to $884 for the same period ended June 30, 2018. A new deposit fee schedule and retail operating improvements added $63, or 9.7%, more in service charges on deposit accounts while improved sales of residential mortgage loans during the second quarter of 2019 added $32 of additional income over the same period last year. Investment advisory income at our Rhinebeck Asset Management division was up $145, or 78.8%, to $329 quarter over quarter. Other changes between periods, including an investment portfolio reposition which resulted in a $40 loss, a decrease of $10 in rental income for other real estate owned (“OREO”) property, and a decrease in loan fees of $27, had a negative impact on overall non-interest income. An OREO write-down that occurred in the first quarter of 2018 for $387 further improved our second quarter 2019 comparative performance.

 

For the six months ended June 30, 2019, non-interest income totaled $2.7 million, an increase of $565, or 26.5%, due to period over period increases of $167 in deposit account fees, and $210 additional investment advisory income offset by a realized loss on security sales of $39, $60 less on sales of loans, $37 less in rental income from bank held properties, and $63 less in loan fees. Again, the OREO write-down for $387 in 2018 improved 2019 comparative performance.

 

Non-Interest Expense. For the three months ended June 30, 2019, non-interest expenses increased $647 to $7.0 million, as compared to $6.4 million for the comparable 2018 period. Salaries and employee benefits increased $648, or 18.9%, attributable to annual salary merit increases, production incentives, employee benefit increases and additions to staff. Occupancy expenses grew $46, or 5.4%, mostly due to increased depreciation on the purchases of new loan software and cash recyclers in late 2018 and 2019. Data processing fees increased $49, or 16.7%, due to general increases in overall processing volumes and the additions of new technologies. Professional fees were up by $136, or 60.7%, due to increases related to our new status as a public company effective this year. Other expenses increased $4 mostly due to increases in electronic banking costs, loan production and related expenses, and transaction related charges. These increases were offset by reductions of $57, or 27.9%, in advertising, $57, or 27.9%, in FDIC insurance premiums, and $27, or 103.4%, in OREO expenses. An impairment loss on goodwill in the amount of $95 was recognized in the first quarter of 2018 further improving our second quarter 2019 comparative performance.

 

 56 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

(Dollars in thousands, except per share data)

 

For the six months ended June 30, 2019, non-interest expenses increased $1.2 million to $14.0 million, or 9.4%, as compared to $12.8 million for the first half of 2018. Year to date salaries and employee benefits increased $1.1 million, or 15.2%, attributable to annual salary merit increases, production incentives, employee benefit increases and additions to staff. Occupancy costs increased by $39, or 2.2%, due mainly to increased depreciation expense as the result of the purchases of new equipment and software. Data processing fees increased $82, or 14.4%, due to general increases in overall processing volumes and the additions of new technologies. Professional fees increased $208, or 49.8%, as the Company absorbed the additional expenses required of a public company. Other expenses were up 6.1%, or $131, due mostly to volume related expenses and growing loan production and servicing costs. Advertising decreased 21.4%, or $82, due mostly to timing as 2018 saw more advertising, publicity, and community support activity in that comparative period. Insurance expense reflected a decrease of $91, or 24.0%, mainly due to a reduction in our FDIC assessment. OREO expense decreased $45 comparatively over the first half of 2019 as we spent additional funds to prepare a foreclosure property for sale in 2018.

 

Income Taxes. Income taxes increased by $158 for the three months ended June 30, 2019 as compared to the comparable period in 2018 as our income before income taxes increased.  Our effective tax rate for the three months ended June 30, 2019 was 20.0% compared to 20.2% for the three months ended June 30, 2018.

 

For the six months ended June 30, 2019, income taxes increased $251, or 90.0%, from $279 in the first half of 2018 to $530 for the comparable 2019 period. Our effective tax rate for the six months ended June 30, 2019 was 19.9% as compared to 18.9% for the six months ended June 30, 2018.

 

 57 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

(Dollars in thousands, except per share data)

 

Average Balance Sheets for the Three and Six Months Ended June 30, 2019 and 2018

 

The following tables set forth average balance sheets, average yields and costs, and certain other information for the periods indicated. All average balances are daily average balances, the yields set forth below include the effect of deferred fees and discounts and premiums that are amortized or accreted to interest income.

 

   For the Three Months Ended June 30, 
   2019   2018 
  

Average

Balance

  

Interest and

Dividends

   Yield/Cost  

Average

Balance

  

Interest and

Dividends

   Yield/Cost 
   (unaudited) 
Assets:                              
Interest bearing depository accounts  $1,403   $6    1.72%  $1,192   $5    1.68%
Loans (1)   731,075    9,401    5.16%   603,834    7,393    4.91%
Marketable Securities   115,448    713    2.48%   109,449    585    2.14%
Total interest-earning assets  $847,926   $10,120    4.79%  $714,475   $7,983    4.48%
                               
Non-interest-earning assets   52,040              53,754           
Total assets  $899,966             $768,229           
                               
Liabilities and equity:                              
NOW accounts  $98,201   $79    0.32%  $104,508   $64    0.25%
Money market accounts   133,054    436    1.31%   125,493    237    0.76%
Savings accounts   120,498    106    0.35%   125,104    79    0.25%
Certificates of deposit   181,778    994    2.19%   150,165    580    1.55%
Total interest-bearing deposits   533,531    1,615    1.21%   505,270    960    0.76%
                               
Escrow accounts   8,732    26    1.19%   8,223    26    1.27%
Federal Home Loan Bank advances   73,840    498    2.71%   30,226    176    2.34%
Subordinated debt   5,155    60    4.67%   5,155    53    4.12%
Other interest-bearing liabilities   87,727    584    2.67%   43,604    255    2.35%
                               
Total interest-bearing liabilities  $621,258   $2,199    1.42%  $548,874   $1,215    0.89%
                               
Non-interest-bearing deposits   164,911              154,801           
Other non-interest-bearing liabilities   9,901              9,677           
Total liabilities  $796,070             $713,352           
                               
Total stockholders’ equity   103,896              54,877           
Total liabilities and stockholders’ equity  $899,966             $768,229           
Net interest income       $7,921             $6,768      
Interest rate spread             3.37%             3.59%
Net interest margin (2)             3.75%             3.80%
Average interest-earning assets to average interest-bearing liabilities             136.49%             130.17%

 

(1)Non-accruing loans are included in the outstanding loan balance.
(2)Represents the difference between interest earned and interest paid, divided by average total interest earning assets.

 

 58 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

(Dollars in thousands, except per share data)

 

   For the Six Months Ended June 30, 
   2019   2018 
  

Average

Balance

  

Interest and

Dividends

   Yield/Cost  

Average

Balance

  

Interest and

Dividends

   Yield/Cost 
   (unaudited) 
Assets:                              
Interest bearing depository accounts  $3,716   $41    2.22%  $1,226   $9    1.48%
Loans (1)   713,530    18,116    5.12%   589,300    14,143    4.84%
Marketable Securities   111,330    1,321    2.39%   111,609    1,184    2.14%
Total interest-earning assets  $828,576   $19,478    4.74%  $702,135   $15,336    4.40%
                               
Non-interest-earning assets   52,292              53,828           
Total assets  $880,868             $755,963           
                               
Liabilities and equity:                              
NOW accounts  $96,165   $152    0.32%  $102,102   $109    0.22%
Money market accounts   134,409    851    1.28%   126,267    449    0.72%
Savings accounts   121,113    212    0.35%   125,028    137    0.22%
Certificates of deposit   172,843    1,764    2.06%   146,470    1,076    1.48%
Total interest-bearing deposits   524,530    2,979    1.15%   499,867    1,771    0.71%
                               
Escrow accounts   7,548    44    1.18%   7,089    44    1.25%
Federal Home Loan Bank advances   64,283    853    2.68%   25,133    262    2.10%
Subordinated debt   5,583    111    4.01%   5,155    100    3.91%
Other interest-bearing liabilities   77,414    1,008    2.63%   37,377    406    2.19%
                               
Total interest-bearing liabilities  $601,944   $3,987    1.34%  $537,244   $2,177    0.82%
                               
Non-interest-bearing deposits   163,182              154,378           
Other non-interest-bearing liabilities   16,715              9,698           
Total liabilities  $781,841             $701,320           
                               
Total stockholders’ equity   99,027              54,643           
Total liabilities and stockholders’ equity  $880,868             $755,963           
Net interest income       $15,491             $13,159      
Interest rate spread             3.40%             3.59%
Net interest margin (2)             3.77%             3.78%
Average interest-earning assets to average interest-bearing liabilities             137.65%             130.69%

 

(1)Non-accruing loans are included in the outstanding loan balance.
(2)Represents the difference between interest earned and interest paid, divided by average total interest earning assets.

 

 59 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

(Dollars in thousands, except per share data)

 

Rate/Volume Analysis

 

The following tables present the effects of changing rates and volumes on our net interest income for the periods indicated. The rate column shows the effects attributable to changes in rate (changes in rate multiplied by prior volume). The volume column shows the effects attributable to changes in volume (changes in volume multiplied by prior rate). The net column represents the sum of the prior columns. For purposes of this table, changes attributable to both rate and volume, which cannot be segregated, have been allocated proportionately based on the changes due to rate and the changes due to volume.

 

  

Three Months Ended June 30,

2019 Compared to Three Months

Ended June 30, 2018

  

Six Months Ended June 30, 2019

Compared to Six Months Ended

June 30, 2018

 
   Increase (Decrease)
Due to
   Increase (Decrease)
Due to
 
   Volume   Rate   Net   Volume   Rate   Net 
   (unaudited)   (unaudited) 
Interest income:                              
Interest bearing depository accounts  $-   $1   $1   $21   $11   $32 
Loans receivable   1,594    414    2,008    3,062    911    3,973 
Marketable securities   (112)   240    128    (363)   500    137 
Total interest-earning assets   1,482    655    2,137    2,720    1,422    4,142 
                               
Interest expense:                              
Deposits   165    490    655    268    940    1,208 
Escrow accounts   2    (2)   -    3    (3)   - 
Federal Home Loan Bank advances   267    55    322    445    146    591 
Subordinated debt   -    7    7    8    3    11 
Total interest-bearing liabilities   434    550    984    724    1,086    1,810 
Net increase in net interest income  $1,048   $105   $1,153   $1,996   $336   $2,332 

 

Management of Market Risk

 

General. The majority of our assets and liabilities are monetary in nature. Consequently, our most significant form of market risk is interest rate risk. Our assets, consisting primarily of loans, have longer maturities than our liabilities, consisting primarily of deposits. As a result, a principal part of our business strategy is to manage our exposure to changes in market interest rates. Accordingly, the Board of Directors established a management-level Asset/Liability Management Committee (the “ALCO”), which takes initial responsibility for reviewing the asset/liability management process and related procedures, establishing and monitoring reporting systems and ascertaining that established asset/liability strategies are being maintained. On at least a quarterly basis, the ALCO reviews and reports asset/liability management outcomes. This committee also implements any changes in strategies and reviews the performance of any specific asset/liability management actions that have been implemented.

 

We try to manage our interest rate risk to minimize the exposure of our earnings and capital to changes in market interest rates. We have implemented the following strategies to manage our interest rate risk: originating loans with adjustable interest rates or with shorter terms, promoting core deposit products, and adjusting the interest rates and maturities of funding sources, as necessary. By following these strategies, we believe that we are better positioned to react to changes in market interest rates.

 

 60 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

(Dollars in thousands, except per share data)

 

Net Economic Value Simulation. We analyze our sensitivity to changes in interest rates through a net economic value of equity (“EVE”) model. EVE represents the present value of the expected cash flows from our assets less the present value of the expected cash flows arising from our liabilities adjusted for the value of off-balance sheet contracts. The EVE ratio represents the dollar amount of our EVE divided by the present value of our total assets for a given interest rate scenario. EVE attempts to quantify our economic value using a discounted cash flow methodology while the EVE ratio reflects that value as a form of capital ratio. We estimate what our EVE would be at a specific date. We then forecast what the EVE might be at the same date throughout a series of interest rate scenarios representing immediate and permanent, parallel shifts in the yield curve. We currently calculate EVE under scenarios where interest rates increase 100, 200, 300 and 400 basis points from current market rates and that interest rates decrease 100 basis points from current market rates.

 

The following table presents the estimated changes in our EVE that would result from changes in market interest rates at June 30, 2019. All estimated changes presented in the table are within the policy limits approved by our Board of Directors.

 

   Net Economic Value   Net Economic
Value as Percent of
of Assets
 
Basis Point Change in Interest
Rates
  Dollar
Amount
   Dollar
Change
   Percent
Change
   EVE
Ratio
   Percent
Change
 
   (unaudited)         
400  $90,072    (23,232)   (20.5)%   10.83%   (12.7)%
300   96,008    (17,296)   (15.3)%   11.29%   (9.0)%
200   102,177    (11,127)   (9.8)%   11.74%   (5.4)%
100   108,740    (4,564)   (4.0)%   12.19%   (1.8)%
0   113,304    -    0.0%   12.41%   0.0%
(100)  $107,463   $(5,841)   (5.2)%   11.55%   (7.0)%

 

Certain shortcomings are inherent in the methodologies used in the above interest rate risk measurements. Modeling changes require making certain assumptions that may or may not reflect the manner in which actual yields and costs respond to changes in market interest rates. The above table assumes that the composition of our interest-sensitive assets and liabilities existing at the date indicated remains constant uniformly across the yield curve regardless of the duration or repricing of specific assets and liabilities. Accordingly, although the table provides an indication of our interest rate risk exposure at a particular point in time, such measurements are not intended to and do not provide a precise forecast of the effect of changes in market interest rates on our EVE and will likely differ from actual results.

 

 61 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

(Dollars in thousands, except per share data)

 

Liquidity and Capital Resources

 

We maintain liquid assets at levels we consider adequate to meet both our short-term and long-term liquidity needs. We adjust our liquidity levels to fund deposit outflows, repay our borrowings and to fund loan commitments. We also adjust liquidity as appropriate to meet asset and liability management objectives.

 

Our primary sources of liquidity are deposits, loan sales, amortization and prepayment of loans and mortgage-backed securities, maturities of investment securities and other short-term investments, and earnings and funds provided from operations, as well as access to FHLB advances and other borrowings. While scheduled principal repayments on loans and mortgage-backed securities are a relatively predictable source of funds, deposit flows and loan sales and prepayments are greatly influenced by market interest rates, economic conditions, and rates offered by our competition. We set the interest rates on our deposits to maintain a desired level of total deposits.

 

A portion of our liquidity consists of cash and cash equivalents and borrowings, which are a product of our operating, investing and financing activities. At June 30, 2019, $12.0 million of our assets were invested in cash and cash equivalents. Short-term investment securities (maturing in one year or less) totaled $1.2 million at June 30, 2019. As of June 30, 2019, we had $52.0 million of structured borrowings outstanding from the FHLB, of which $16.8 million is due within the next 12 months. We have access to FHLB advances of up to $456.5 million.

 

At June 30, 2019, we had $80.1 million in loan commitments outstanding, which included $11.2 million in undisbursed construction loans, $9.7 million in unused home equity lines of credit, $52.4 million in commercial lines of credit, $3.9 million in future loan commitments and $2.9 million in standby letters of credit. Certificates of deposit due within one year of June 30, 2019 totaled $123.4 million, or 63.9% of certificates of deposit. If these maturing deposits do not remain with us, we will be required to seek other sources of funds, including other certificates of deposit and borrowings. Depending on market conditions, we may be required to pay higher rates on such deposits or other borrowings than we currently pay on the certificates of deposit due on or before December 31, 2019. We believe, however, based on past experience that a significant portion of our certificates of deposit will remain with us. We have the ability to attract and retain deposits by adjusting the interest rates offered.

 

As reported in the Consolidated Statements of Cash Flows, our cash flows are classified for financial reporting purposes as operating, investing or financing cash flows. Net cash provided by operating activities was $3.5 million and $5.3 million for the six months ended June 30, 2019 and 2018, respectively. These amounts differ from our net income because of a variety of cash receipts and disbursements that did not affect net income for the respective periods. Net cash used for investing activities was $67.5 million and $50.3 million in the six months ended June 30, 2019 and 2018, respectively, principally reflecting our loan and investment security activities in the respective periods. Net increase in loan balances outstanding had the most significant effect, as net cash used amounted to $58.7 million and $57.1 million in the six months ended June 30, 2019 and 2018, respectively. Deposit and borrowing cash flows have traditionally comprised most of our financing activities which resulted in net cash provided of $25.4 million in the six months ended June 30, 2019. The majority of net cash provided was from a $37.5 million increase in time deposits, a $32.3 million increase in long-term debt, offset by the return of unfulfilled offering subscriptions of $41.1 million.

 

We also have obligations under our post retirement plan as described in Note 9 to the Consolidated Financial Statements. The post retirement benefit payments represent actuarially determined future payments to eligible plan participants. We froze our pension plan in 2012.

 

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Rhinebeck Bancorp, Inc. and Subsidiary

(Dollars in thousands, except per share data)

 

Off-Balance Sheet Arrangements. In the normal course of operations, we engage in a variety of financial transactions that, in accordance with generally accepted accounting principles are not recorded in our financial statements. These transactions involve, to varying degrees, elements of credit, interest rate and liquidity risk. Such transactions are used primarily to manage customers’ requests for funding and take the form of loan commitments and lines of credit. For information about our loan commitments, letters of credit and unused lines of credit, see Note 11 of the notes to the Consolidated Financial Statements. For the six months ended June 30, 2019, we did not engage in any off-balance-sheet transactions other than loan origination commitments and standby letters of credit in the normal course of our lending activities.  

 

Impact of Inflation and Changing Prices

 

The financial statements and related notes of Rhinebeck Bancorp, Inc. have been prepared in accordance with United States generally accepted accounting principles (“GAAP”). GAAP generally requires the measurement of financial position and operating results in terms of historical dollars without consideration for changes in the relative purchasing power of money over time due to inflation. The impact of inflation is reflected in the increased cost of our operations. Unlike industrial companies, our assets and liabilities are primarily monetary in nature. As a result, changes in market interest rates have a greater impact on performance than the effects of inflation.

 

Item 3. Quantitative and Qualitative Disclosures About Market Risk

 

For information regarding market risk, see “Item 2. Management’s Discussion and Analysis of Financial Conditions and Results of Operation- Management of Market Risk.”

 

Item 4. Controls and Procedures

 

 

An evaluation was performed under the supervision and with the participation of the Company’s management, including the Chief Executive Officer and the Chief Financial Officer, of the effectiveness of the design and operation of the Company’s disclosure controls and procedures (as defined in Rule 13a-15(e) promulgated under the Securities and Exchange Act of 1934, as amended) as of June 30, 2019. Based on that evaluation, the Company’s management, including the Chief Executive Officer and the Chief Financial Officer, concluded that the Company’s disclosure controls and procedures were effective.

 

During the six months ended June 30, 2019, there have been no changes in the Company’s internal controls over financial reporting that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.

 

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Rhinebeck Bancorp, Inc. and Subsidiary

(Dollars in thousands, except per share data)

 

PART 2 — OTHER INFORMATION
   
Item 1. Legal Proceedings

 

Periodically, there have been various claims and lawsuits against us, such as claims to enforce liens, condemnation proceedings on properties in which we hold security interests, claims involving the making and servicing of real property loans and other issues incident to our business. At June 30, 2019, we were not a party to any pending legal proceedings that we believe would have a material adverse effect on our financial condition, results of operations or cash flows.

 

Item 1A. Risk Factors

 

For information regarding the Company’s risk factors, see Part 1, Item 1A “Risk Factors” in the Company’s Annual Report on Form 10-K for the year ended December 31, 2018, filed with the Securities and Exchange Commission. As of June 30, 2019, the risk factors of the Company have not changed materially from those disclosed in the Annual Report on Form 10-K for the year ended December 31, 2018.

 

Item 2. Unregistered Sales of Equity Securities and Use of Proceeds

 

None.

 

Item 3. Defaults Upon Senior Securities

 

None.

 

Item 4. Mine Safety Disclosures

 

Not applicable.

 

Item 5. Other Information

 

None.

 

Item 6. Exhibits

 

3.1   Articles of Incorporation of Rhinebeck Bancorp, Inc. (Incorporated by reference to the Registration Statement on Form S-1 of Rhinebeck Bancorp, Inc. (File no. 333-227266), originally filed with the Securities and Exchange Commission on September 10, 2018.)
     
3.2   Bylaws of Rhinebeck Bancorp, Inc. (Incorporated by reference to the Registration Statement on Form S-1 of Rhinebeck Bancorp, Inc. (File no. 333-227266), originally filed with the Securities and Exchange Commission on September 10, 2018.)
     
4.0   Form of Common Stock Certificate of Rhinebeck Bancorp, Inc. (Incorporated by reference to the Registration Statement on Form S-1 of Rhinebeck Bancorp, Inc. (File no. 333-227266), originally filed with the Securities and Exchange Commission on September 10, 2018.)
     
31.1   Certification required pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

 

 64 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

(Dollars in thousands, except per share data)

 

31.2   Certification required pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
     
32.1   Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
     
101.0   The following materials for the period ended June 30, 2019, formatted in XBRL (Extensible Business Reporting Language): (i) Consolidated Statements of Financial Condition, (ii) Consolidated Statements of Income, (iii) Consolidated Statements of Comprehensive Income, (iv) Consolidated Statements of Stockholders’ Equity, (v)  Consolidated Statements of Cash Flows, and (vi) Notes to Consolidated Financial Statements

 

 65 

 

 

Rhinebeck Bancorp, Inc. and Subsidiary

(Dollars in thousands, except per share data)

 

SIGNATURES

 

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

 

  RHINEBECK BANCORP, INC.
     
Date: August 14, 2019   /s/ Michael J. Quinn
   

Michael J. Quinn

President and Chief Executive Officer

     
Date: August 14, 2019   /s/ Michael J. McDermott
   

Michael J. McDermott

Chief Financial Officer

 

 66 

 

EX-31.1 2 tv526563_ex31-1.htm EXHIBIT 31.1

 

Exhibit 31.1

 

CERTIFICATION PURSUANT TO

18 U.S.C. SECTION 1350,

AS ADOPTED PURSUANT TO SECTION

302 OF THE SARBANES-OXLEY ACT OF 2002 

 

Certification of Chief Executive Officer

 

Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

 

I, Michael J. Quinn, certify that:

 

1. I have reviewed this Quarterly Report on Form 10-Q of Rhinebeck Bancorp, Inc.;

 

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15(d)-15(e)) for the registrant and have:

 

  a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiary, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

 

  b) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

 

  c) Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and

 

5. The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s Board of Directors (or persons performing the equivalent functions):

 

  a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

  b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

August 14, 2019 /s/ Michael J. Quinn
  Michael J. Quinn
  President and Chief Executive Officer

 

 

 

EX-31.2 3 tv526563_ex31-2.htm EXHIBIT 31.2

 

Exhibit 31.2

  

CERTIFICATION PURSUANT TO

18 U.S.C. SECTION 1350,

AS ADOPTED PURSUANT TO SECTION

302 OF THE SARBANES-OXLEY ACT OF 2002 

 

Certification of Chief Financial Officer

 

Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

 

I, Michael J. McDermott, certify that:

 

1. I have reviewed this Quarterly Report on Form 10-Q of Rhinebeck Bancorp, Inc.;

 

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15(d)-15(e)) for the registrant and have:

 

  a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiary, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

 

  b) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

 

  c) Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and

 

5. The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s Board of Directors (or persons performing the equivalent functions):

 

  a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

  b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

 

August 14, 2019 /s/ Michael J. McDermott
  Michael J. McDermott
  Chief Financial Officer

 

 

 

EX-32.1 4 tv526563_ex32-1.htm EXHIBIT 32.1

 

Exhibit 32.1

 

CERTIFICATE PURSUANT TO

18 U.S.C. SECTION 1350

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

 

Pursuant to 18 U.S.C. § 1350, Michael J. Quinn, President and Chief Executive Officer of Rhinebeck Bancorp, Inc. (the “Company”), and Michael J. McDermott, Chief Financial Officer of the Company, each certify in their capacity as officers of the Company that they have reviewed the Company’s Quarterly Report on Form 10-Q for the period ended June 30, 2019 (the “Report”) and that, to the best of their knowledge:

 

  (1) the Report fully complies with the requirements of Sections 13(a) of the Securities Exchange Act of 1934; and

 

  (2) the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

 

August 14, 2019 /s/ Michael J. Quinn
  Michael J. Quinn
  President and Chief Executive Officer
   
August 14, 2019 /s/ Michael J. McDermott
  Michael J. McDermott
  Chief Financial Officer

 

The foregoing certification is being furnished solely pursuant to 18 U.S.C. § 1350 and is not being filed as part of the Report or as a separate disclosure document.

 

 

 

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(the &#8220;Company&#8221;), a stock holding company, and its wholly owned subsidiary, Rhinebeck Bank (the &#8220;Bank&#8221;), a New York chartered stock savings bank. The primary purpose of the Company is to act as a holding company for the Bank. The Bank provides a full range of banking and financial services to consumer and commercial customers through its eleven branches and two representative offices located in Dutchess, Ulster, Orange, and Albany counties. Financial services including investment advisory and financial product sales are offered through a division of the Bank doing business as Rhinebeck Asset Management (&#8220;RAM&#8221;).</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The unaudited consolidated financial statements reflect all adjustments, which in the opinion of management, are necessary for a fair presentation of the results of the interim periods and are of a normal and recurring nature. Operating results for the three and six month periods ended June 30, 2019 are not necessarily indicative of the results that may be expected for the year ending December 31, 2019.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">A description of the Company's significant accounting policies are presented below.</p><p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Basis of Financial Statements Presentation</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (&#8220;GAAP&#8221;) and general practices within the banking industry. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities, as of the date of the consolidated statements of financial condition and reported amounts of revenues and expenses for the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the valuation of securities and other real estate owned, the evaluation of investment securities for other-than-temporary impairment, the evaluation of goodwill for impairment, the valuation of deferred tax assets and the determination of pension obligations.</p><p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Principles of Consolidation</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The accompanying consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary. As a result of the reorganization, the consolidation refers to the Company and the Bank for the periods after January 16, 2019 and Rhinebeck Bancorp, MHC, a New York chartered mutual holding company and the Bank for the periods prior to January 16, 2019. All significant intercompany accounts and transactions have been eliminated in consolidation.</p><p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Significant Group Concentrations of Credit Risk</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Most of the Company&#8217;s activities are with customers located in the New York State counties of Dutchess, Ulster, Orange, Columbia, Putnam, and Albany. Although the Company has a diversified loan portfolio, a substantial portion of its customers&#8217; abilities to repay their loans is dependent on the economic conditions in the territories in which the Company operates.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;<b>&#160;</b></p><p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Cash and Cash Equivalents</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Cash and due from banks and federal funds sold are recognized as cash equivalents in the consolidated statements of financial condition and cash flows. Federal funds sold generally mature in one day. The Company considers all highly liquid debt instruments purchased with a maturity of six months or less to be cash equivalents.</p><p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Investment in Debt and Marketable Equity Securities</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Debt securities, if any, that management has the positive intent and ability to hold to maturity are classified as &#8220;held to maturity&#8221; and are recorded at amortized cost. &#8220;Trading&#8221; securities, if any, are carried at fair value, with unrealized gains and losses recognized in earnings. Securities not classified as held to maturity or trading, including equity securities with readily determinable fair values, are classified as &#8220;available for sale&#8221; and are recorded at fair value, with unrealized gains and losses excluded from earnings and reported in accumulated other comprehensive loss, net of taxes. Purchase premiums and discounts are recognized in interest income using the interest method over the maturity terms of the securities. Realized gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company evaluates securities for other-than temporary impairment on a regular basis. The evaluation considers several factors including the amount of the unrealized loss, the period of time the security has been in a loss position and the credit standing of the issuer. When the Company does not intend to sell the security and it is likely that the Company will not be required to sell the security before recovery of its cost basis, the credit loss determined due to a permanent impairment will be recognized in earnings. The credit loss component recognized is identified as the amount of future principal cash flows not expected to be received over the remaining term of the security as projected based on cash flow estimates discounted at the applicable original yield of the security.</p><p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Loans Receivable</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Loans that the Company has the intent and ability to hold for the foreseeable future or until maturity or payoff generally are reported at their outstanding unpaid principal balances adjusted for unearned income, including any allowance for loan losses and any unamortized deferred fees or costs.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Interest income is accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and amortized as a level yield adjustment over the respective term of the loan.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The accrual of interest on loans is discontinued at the time the loan is 90 days past due. Consumer automobile and installment loans are typically charged off no later than 180 days past due. Past due status is based on contractual terms of the loan. In all cases, loans are placed on non-accrual status or charged-off at an earlier date if collection of principal or interest is considered doubtful.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">All interest accrued, but not collected, for loans that are placed on non-accrual status or charged off, is reversed against interest income. The interest on these loans is accounted for on the cash-basis method until qualifying for return to accrual status. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.</p><p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;&#160;</p><p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Allowance for Loan Losses</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management determines all or part of the loan balance is uncollectible. Subsequent recoveries, if any, are credited to the allowance.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The allowance for loan losses is evaluated on a regular basis by management and is based upon management&#8217;s periodic review of the collectability of the loans in light of historical experience, the size and composition of the loan portfolio, adverse situations that may affect the borrower&#8217;s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The allowance calculation methodology involves segregation of the total loan portfolio into segments. The Company&#8217;s loans receivable portfolio is comprised of the following segments: commercial real estate, residential real estate, commercial and industrial and consumer. The segments of the Company&#8217;s loans receivable portfolio are further disaggregated into classes based on identified associated risks within those segments. This allows management to better monitor risk and performance.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Commercial real estate loans are separated into two classes: non-residential and multi-family. Non-residential and multi-family loans include long-term loans financing commercial properties and include both owner and non-owner occupied properties. Construction loans, which include land loans, are comprised mostly of non-owner occupied projects, whereby the property is generally under development and tends to have more risk than the owner occupied loans. The Company grants loans for the construction of residential homes, residential developments and land development projects. Repayment of these loans is mostly dependent upon either the ongoing cash flows of the borrowing entity or the resale or lease of the subject property.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Residential real estate loans are secured by the borrower&#8217;s residential real estate generally in a first lien position. Residential mortgages have varying loan interest rates depending on the financial condition of the borrower, the loan to value ratio and the term of the loan.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The commercial and industrial loan segment consists of loans made for purposes of financing the activities of commercial customers. The assets financed through commercial and industrial loans are used within the business for its ongoing operations. Repayment of commercial and industrial loans predominately comes from the cash flows of the business or the ongoing operations of assets.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Consumer loans are classified into the following three classes: indirect automobile loans, home equity loans and other consumer loans. Indirect automobile loans are secured by the borrowers&#8217; automobiles and originated through the Company&#8217;s relationships with the automobile dealers in the various counties in the Company&#8217;s service area. Home equity loans are secured by the borrower&#8217;s residential real estate in a first or second lien position. Other direct consumer loans may be unsecured.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company has established credit policies applicable to each type of lending activity in which it engages. The Company evaluates the creditworthiness of each customer and, in most cases, extends credit of up to 80% of the market value of the collateral at the date of the credit extension. The Company&#8217;s credit policies determine advance rates against the different forms of collateral that can be pledged against commercial and industrial, commercial and residential real estate and consumer loans. Typically, the majority of loans will be limited to a percentage of their underlying collateral values such as real estate values, automobiles, equipment, eligible accounts receivable and inventory. Individual loan advance rates may be higher or lower depending upon the financial strength of the borrower, past experience with the borrower, the nature of the collateral, competitive offerings and/or the term of the loan.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The market value of collateral is monitored on an ongoing basis and additional collateral may be obtained when warranted. While collateral provides some assurance as a secondary source of repayment, the Company ordinarily requires the primary source of repayment to be based on the borrower's ability to generate continuing sufficient cash flows. The Company's policy for collateral requires that, generally, the amount of the loan may not exceed 90% of the original appraised value of the property. Private mortgage insurance is usually required for that portion of the loan in excess of 80% of the appraised value of the property.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The allowance calculation methodology includes further segregation of loan classes into risk rating categories. The borrower&#8217;s overall financial condition, repayment sources, guarantors and value of collateral, if appropriate, are evaluated at least quarterly or when credit deficiencies arise, such as when loan payments are delinquent. Credit quality risk ratings include regulatory classifications of &#8220;special mention&#8221;, &#8220;substandard&#8221;, &#8220;doubtful&#8221; and &#8220;loss&#8221;. Loans classified as special mention have potential weaknesses that deserve management&#8217;s close attention. If uncorrected, the potential weaknesses may result in deterioration of the repayment prospects. Loans classified as substandard have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They include loans that are inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans classified as doubtful have all the weaknesses inherent in loans classified as substandard with the added characteristic that collection or liquidation in full, on the basis of current conditions and facts, is highly improbable. Loans classified as a loss are considered uncollectible and are charged to the allowance for loan losses. Loans not classified are rated &#8220;pass&#8221;.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The allowance consists of specific and general components. The specific component relates to loans that are considered impaired. For such impaired loans, an allowance is established when the discounted cash flows (or observable market price or collateral value if the loan is collateral dependent) of the impaired loan is lower than the carrying value of that loan. The general component covers all other loans, segregated generally by loan type and is based on historical loss experience with adjustments for qualitative factors which are made after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss data.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">These qualitative risk factors generally include:</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: -0.25in; margin: 0pt 0px 0pt 1in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><table style="widows: 2; text-transform: none; margin-top: 0pt; text-indent: 0px; width: 100%; font: 10pt 'times new roman', times, serif; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" cellspacing="0" cellpadding="0"><tr style="vertical-align: top;"><td style="width: 0.75in;"></td><td style="width: 0.25in;">1.</td><td style="text-align: justify;">Lending policies and procedures, including underwriting standards and collection, charge-off and recovery practices.</td></tr></table><p style="text-align: justify; widows: 2; text-transform: none; text-indent: -0.25in; margin: 0pt 0px 0pt 1in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><table style="widows: 2; text-transform: none; margin-top: 0pt; text-indent: 0px; width: 100%; font: 10pt 'times new roman', times, serif; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" cellspacing="0" cellpadding="0"><tr style="vertical-align: top;"><td style="width: 0.75in;"></td><td style="width: 0.25in;">2.</td><td style="text-align: justify;">National, regional and local economic and business conditions as well as the condition of various market segments, including the value of underlying collateral for collateral dependent loans.</td></tr></table><p style="text-align: justify; widows: 2; text-transform: none; text-indent: -0.25in; margin: 0pt 0px 0pt 1in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;&#160;</p><table style="widows: 2; text-transform: none; margin-top: 0pt; text-indent: 0px; width: 100%; font: 10pt 'times new roman', times, serif; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" cellspacing="0" cellpadding="0"><tr style="vertical-align: top;"><td style="width: 0.75in;"></td><td style="width: 0.25in;">3.</td><td style="text-align: justify;">Size and composition of the portfolio and the terms of loans.</td></tr></table><p style="text-align: justify; widows: 2; text-transform: none; text-indent: -0.25in; margin: 0pt 0px 0pt 1in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><table style="widows: 2; text-transform: none; margin-top: 0pt; text-indent: 0px; width: 100%; font: 10pt 'times new roman', times, serif; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" cellspacing="0" cellpadding="0"><tr style="vertical-align: top;"><td style="width: 0.75in;"></td><td style="width: 0.25in;">4.</td><td style="text-align: justify;">Volume and severity of past due, classified and non-accrual loans as well as loan modifications.</td></tr></table><p style="text-align: justify; widows: 2; text-transform: none; text-indent: -0.25in; margin: 0pt 0px 0pt 1in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><table style="widows: 2; text-transform: none; margin-top: 0pt; text-indent: 0px; width: 100%; font: 10pt 'times new roman', times, serif; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" cellspacing="0" cellpadding="0"><tr style="vertical-align: top;"><td style="width: 0.75in;"></td><td style="width: 0.25in;">5.</td><td style="text-align: justify;">Existence and effect of any concentrations of credit and changes in the level of such concentrations.</td></tr></table><p style="text-align: justify; widows: 2; text-transform: none; text-indent: -0.25in; margin: 0pt 0px 0pt 1in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><table style="widows: 2; text-transform: none; margin-top: 0pt; text-indent: 0px; width: 100%; font: 10pt 'times new roman', times, serif; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" cellspacing="0" cellpadding="0"><tr style="vertical-align: top;"><td style="width: 0.75in;"></td><td style="width: 0.25in;">6.</td><td style="text-align: justify;">Effect of external factors, such as competition and legal and regulatory requirements.</td></tr></table><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls are not necessarily classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&#8217;s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis for commercial and real estate loans by either the present value of expected future cash flows discounted at the loan&#8217;s effective interest rate, the loan&#8217;s obtainable market price, or the fair value of the collateral if the loan is collateral dependent. The estimated fair values of substantially all of the Company&#8217;s impaired loans are measured based on the estimated fair value of the loans&#8217; collateral.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">For loans secured by real estate, estimated fair values are determined primarily through third-party appraisals. When a real estate secured loan becomes impaired, a decision is made regarding whether an updated certified appraisal of the real estate is necessary. This decision is based on various considerations, including the size of the loan, age of the most recent appraisal, the loan-to-value ratio based on the original appraisal and the condition of the property. Appraised values are discounted for expected sales costs to arrive at the estimated recognizable value of the collateral, which is considered to be the estimated fair value. The recorded investment in consumer mortgages and loans secured by residential real estate properties for which formal foreclosure proceedings are in process was $687 and $526 at June 30, 2019 and December 31, 2018, respectively.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">For loans secured by non-real estate collateral, such as accounts receivable, inventory and equipment, estimated fair values are determined based on the borrower&#8217;s financial statements, inventory reports, accounts receivable aging or equipment appraisals or invoices. Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The evaluation of the need and amount of the allowance for impaired loans and whether a loan can be removed from impairment status is made on a quarterly basis. The Company&#8217;s policy for recognizing interest income on impaired loans does not differ from its overall policy for interest recognition.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company may grant a concession or modification for economic or legal reasons related to a borrower's financial condition that it would not otherwise consider resulting in a modified loan which is then identified as a troubled debt restructuring (&#8220;TDR&#8221;). These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. Loan modifications are intended to minimize the economic loss and to avoid foreclosure or repossession of the collateral. TDRs are considered impaired loans for purposes of calculating the Company's allowance for loan losses.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company identifies loans for potential restructure primarily through direct communication with the borrower and evaluation of the borrower's financial statements, revenue projections, tax returns and credit reports. Even if the borrower is not presently in default, management will consider the likelihood that cash flow shortages, adverse economic conditions, negative trends, or specific conditions may result in a payment default in the near future.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Regulatory agencies, as an integral part of their examination process, periodically review the Company&#8217;s allowance for loan losses and may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination, which may not be currently available to management. Based on management&#8217;s comprehensive analysis of the loan portfolio, management believes the current level of the allowance for loan losses is adequate.</p><p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Loans Held for Sale</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Loans held for sale are those loans the Company has the intent to sell in the foreseeable future and are carried at the lower of aggregate cost or market value, with valuation changes recorded in noninterest income. Gains and losses on sales of loans are recognized at the trade dates and are determined by the difference between the sales proceeds and the carrying value of the loans. Mortgage loans held for sale are generally sold with the mortgage servicing rights retained by the Company.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Transfers of Financial Assets</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1)&#160;the assets have been isolated from the Company &#8211; put presumptively beyond the reach of the transferor and its creditors, even in bankruptcy or other receivership, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the transferor does not maintain effective control over the transferred assets through either (a) an agreement that both entitles and obligates the transferor to repurchase or redeem the assets before maturity or (b) the ability to unilaterally cause the holder to return specific assets, other than through a cleanup call.</p><p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Mortgage Servicing Assets</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Mortgage servicing assets are recognized as separate assets developed through the sale of mortgages. Servicing rights are initially recorded at fair value with the income statement effect recorded in gain or loss on sales of loans. Fair value is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost to service, the discount rate, the custodial earnings rate, an inflation rate, ancillary income, prepayment speeds and default rates and losses. Capitalized servicing rights are reported in other assets and are amortized into noninterest income in proportion to and over the period of the estimated future net servicing income of the underlying financial assets.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Servicing assets are evaluated for impairment based upon the fair value of the rights as compared to amortized cost. Impairment is recognized through a valuation allowance and charged to noninterest income, to the extent that fair value is less than the capitalized amount. 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Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in operations. Costs relating to the development and improvement of the property are capitalized, subject to the resulting limit of fair value of the collateral. Gains or losses are included in operations upon disposal. 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Depreciation is charged to operations using the straight-line method over the estimated useful lives of the related assets. Rent expense is charged to operations over the expected lease term using the straight-line method. Leasehold improvements are amortized over the shorter of the improvements' estimated economic lives or the related lease terms. Gains and losses on dispositions are recognized upon realization. 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The Company is the owner and sole beneficiary of the policies. Earnings from BOLI are recognized as part of noninterest income. BOLI is carried at cash surrender value. Death benefit proceeds received in excess of the policies cash surrender values are recognized in income upon receipt. 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Purchased customer accounts primarily consist of records and files that contain information about investment holdings. These assets are amortized on a straight-line basis over the related estimated lives of 13 years and 4 months. In the presence of certain circumstances, intangible assets may be assessed for impairment as well. Impairment exists when carrying value exceeds its fair value. 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Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. 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The benefit of a tax position is recognized in the consolidated financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more-likely-than-not recognition threshold are measured as the largest amount of tax benefit that is more than 50% likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits along with any associated interest and penalties that would be payable to the taxing authorities upon examination. 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Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in certain instances, there are no quoted market prices for certain assets or liabilities. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. 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If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques may be appropriate. 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ASU No. 2014-09 establishes principles for recognizing revenue upon the transfer of promised goods or services to customers, in an amount that reflects the expected consideration received in exchange for those goods or services. The Company used the modified retrospective method for transition with the cumulative effect recognized as of the date of initial application with no restatement of prior periods. The adoption did not have a material effect on the Company&#8217;s financial statements as the recognition of interest income has been scoped out of the guidance and noninterest income recognition is similar to current revenue recognition practices. See Note 14 for additional information related to the adoption of ASU No. 2014-09.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In February 2016, the Financial Accounting Standards Board (&#8220;FASB&#8221;) issued&#160;ASU&#160;2016<i>-</i>02 &#8220;Leases (Topic 842).&#8221; This standard requires entities that lease assets to recognize on the balance sheet the assets and liabilities for the rights and obligations created by those leases. 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On July 17, 2019, the FASB voted to propose a delay for conversion to the CECL methodology to January 2023 for all companies other than large SEC filers; although early adoption is permitted in 2019. The Company is currently assessing the effect that ASU No. 2016-13 will have on its consolidated financial statements.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0.7pt; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Effective January 1, 2019, the Company adopted ASU No. 2018-07, &#8220;Compensation- Stock Compensation (Topic 718): Improvements to Nonemployee Share-Based Payment Accounting&#8221;. 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The Company has not and does not expect to engage in this type of compensation practice, and therefore this update did not and likely will not, have an effect on the Company.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0.7pt; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Emerging Growth Company Status</b></p><p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0.5pt; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">As an emerging growth company, the Company may delay adoption of new or revised financial accounting standards until such date that the standards are required to be adopted by non-issuer companies. 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The Company intends to take advantage of the benefits of the extended transition periods allowed under the Jumpstart Our Business Startups Act.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0.25pt; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Accordingly, the Company's consolidated financial statements may not be comparable to those of public companies that adopt new or revised financial accounting standards as of an earlier date. 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vertical-align: bottom;"><td style="text-align: left; padding-left: 9pt;">Commercial real estate:</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="padding-left: 0.25in;">Construction</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: white; 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Impaired loans include nonperforming loans and loans modified as troubled debt restructurings. Loan modifications, which resulted in these loans being considered TDRs, are primarily in the form of rate concessions and extensions of maturity dates. The Company does not generally recognize interest income on a loan in an impaired status. At June 30, 2019 and December 31, 2018, three loans totaling $1,716 and the same three loans totaling $1,774, respectively, included in impaired loans, were identified as TDRs. There were no new TDRs in the first half of 2019. In 2018, the Company restructured two loans, a residential mortgage and home equity loan, into a single residential mortgage, with a carrying value of $117, which included both rate and term modifications. At June 30, 2019 and December 31, 2018, all TDR loans were performing in accordance with their restructured terms. 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At December 31, 2018 the entire line was drawn and the funds were down-streamed to the Bank as capital to support year-end capital ratios that were impacted by the influx of cash for subscription orders related to the reorganization and stock offering. On January 15, 2019 the Bank paid a $5,100 dividend to Rhinebeck Bancorp, MHC which then paid off the borrowing. After the closing of the offering, the facility converted to Rhinebeck Bancorp, Inc. and remains in place for backstop liquidity purposes. 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Participation in the Executive Plan is limited to officers of the Company designated as participants by the Board of Directors and who filed a properly completed and executed participation agreement in accordance with the terms of the Executive Plan. Under the Executive Plan, the Board of Directors may grant annual incentive awards equal to a percentage of a participant&#8217;s base salary at the rate in effect on the last day of the Plan year, as determined by the Board of Directors based on the attainment of criteria established annually by the Board of Directors. Incentive awards under the Executive Plan are credited to the participant&#8217;s incentive benefit account as of the last day of the Executive Plan year to which the award relates and earn interest at a rate determined annually by the Board of Directors. Participants vest in their benefit accounts in accordance with the vesting schedule approved by the Board of Directors, which ranges from one to five years of service. 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The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Financial instruments whose contract amounts represent off-balance sheet credit risk are as follows:</p><p style="text-align: justify; widows: 2; text-transform: none; 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font-weight: bold;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">2019</td><td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td><td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">2018</td><td style="padding-bottom: 1pt; font-weight: bold;">&#160;</td></tr><tr style="vertical-align: bottom;"><td nowrap="nowrap">&#160;</td><td style="font-weight: bold;">&#160;</td><td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap">(unaudited)</td><td style="font-weight: bold;">&#160;</td><td>&#160;</td><td colspan="2" nowrap="nowrap">&#160;</td><td>&#160;</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="text-align: left;">Commitments to extend credit summarized as follows:</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: white; 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padding-left: 0.25in;">Undisbursed home equity lines of credit</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">9,716</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">9,532</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="text-align: left; padding-left: 0.25in;">Undisbursed commercial and other line of credit</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">52,402</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">50,773</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: white; vertical-align: bottom;"><td style="text-align: left; padding-bottom: 1pt; padding-left: 0.25in;">Standby letters of credit</td><td style="padding-bottom: 1pt;">&#160;</td><td style="border-bottom: black 1pt solid; 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Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Since these commitments could expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management's credit evaluation of the counterparty. 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Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of the Company's and the Bank&#8217;s assets, liabilities and certain off-balance-sheet items, as calculated under regulatory accounting practices. 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Compliance with the requirements was phased in over a four year period with full compliance as of January 1, 2019. 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vertical-align: bottom;"><td style="text-align: left;">Common equity tier one capital (to risk weighted assets)</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">108,240</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">13.69</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">35,568</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">4.50</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">51,376</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">6.50</td><td style="text-align: left;">%</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="text-align: left;">Tier 1 capital (to average assets)</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">108,240</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">11.92</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">36,319</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">4.00</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">45,398</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">5.00</td><td style="text-align: left;">%</td></tr><tr style="background-color: white; vertical-align: bottom;"><td>&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="text-align: left; font-weight: bold;">Rhinebeck&#160;&#160;Bank</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: white; vertical-align: bottom;"><td style="text-align: left;">Total capital (to risk-weighted assets)</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">107,591</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">13.62</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">63,219</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">8.00</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">79,024</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">10.00</td><td style="text-align: left;">%</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="text-align: left;">Tier 1 capital (to risk-weighted assets)</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">99,733</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">12.62</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">47,414</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">6.00</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">63,219</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">8.00</td><td style="text-align: left;">%</td></tr><tr style="background-color: white; vertical-align: bottom;"><td style="text-align: left;">Common equity tier one capital (to risk weighted assets)</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">99,733</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">12.62</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">35,561</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">4.50</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">51,366</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">6.50</td><td style="text-align: left;">%</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="text-align: left;">Tier 1 capital (to average assets)</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">99,733</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">11.04</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">36,149</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">4.00</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">45,186</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">5.00</td><td style="text-align: left;">%</td></tr><tr style="background-color: white; vertical-align: bottom;"><td>&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="vertical-align: bottom;"><td style="text-align: center; padding-bottom: 1pt;">&#160;</td><td style="text-align: center; padding-bottom: 1pt; font-weight: bold;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="21"><b>December 31, 2018</b></td><td style="border-bottom: black 1pt solid; text-align: center;">&#160;</td><td style="text-align: center; padding-bottom: 1pt;">&#160;</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="text-align: left; font-weight: bold;">Rhinebeck Bancorp, MHC</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: white; vertical-align: bottom;"><td style="text-align: left;">Total capital (to risk-weighted assets)</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">71,243</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">9.71</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">58,707</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">8.00</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">73,383</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">10.00</td><td style="text-align: left;">%</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="text-align: left;">Tier 1 capital (to risk-weighted assets)</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">64,597</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">8.80</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">44,030</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">6.00</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">58,707</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">8.00</td><td style="text-align: left;">%</td></tr><tr style="background-color: white; vertical-align: bottom;"><td style="text-align: left;">Common equity tier one capital (to risk weighted assets)</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">64,597</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">8.80</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">33,023</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">4.50</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">47,699</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">6.50</td><td style="text-align: left;">%</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="text-align: left;">Tier 1 capital (to average assets)</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">64,597</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">7.63</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">33,849</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">4.00</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">42,311</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">5.00</td><td style="text-align: left;">%</td></tr><tr style="background-color: white; vertical-align: bottom;"><td>&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="text-align: left; font-weight: bold;">Rhinebeck&#160;&#160;Bank</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: white; 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white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">As described in Note 1, the Company uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. 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Level 1 securities include marketable equity securities and U.S. Treasury obligations. If quoted prices are not available, then fair values are estimated by using pricing models (i.e., matrix pricing) or quoted prices of securities with similar characteristics and are classified within Level 2 of the valuation hierarchy. Examples of such instruments include government agency bonds, mortgage-backed securities and municipal bonds. The Company does not have any Level 3 securities for which significant unobservable inputs are utilized. 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For variable rate loans which reprice frequently and have no significant change in credit risk, carrying values are a reasonable estimate of fair values, adjusted for credit losses inherent in the portfolios. The fair value of fixed rate loans is estimated by discounting the future cash flows using the year end rates, estimated using local market data, at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities, adjusted for credit losses inherent in the portfolios. The Company does not record loans at fair value on a recurring basis. However, from time to time, nonrecurring fair value adjustments to collateral-dependent impaired loans are recorded to reflect partial write-downs based on the observable market price or current appraised value of collateral. 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The fair value of NOW, savings and money market deposits is the amount payable on demand at the reporting date. 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Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the valuation of securities and other real estate owned, the evaluation of investment securities for other-than-temporary impairment, the evaluation of goodwill for impairment, the valuation of deferred tax assets and the determination of pension obligations.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Principles of Consolidation</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The accompanying consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary. As a result of the reorganization, the consolidation refers to the Company and the Bank for the periods after January 16, 2019 and Rhinebeck Bancorp, MHC, a New York chartered mutual holding company and the Bank for the periods prior to January 16, 2019. 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Although the Company has a diversified loan portfolio, a substantial portion of its customers&#8217; abilities to repay their loans is dependent on the economic conditions in the territories in which the Company operates.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Cash and Cash Equivalents</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Cash and due from banks and federal funds sold are recognized as cash equivalents in the consolidated statements of financial condition and cash flows. 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The evaluation considers several factors including the amount of the unrealized loss, the period of time the security has been in a loss position and the credit standing of the issuer. When the Company does not intend to sell the security and it is likely that the Company will not be required to sell the security before recovery of its cost basis, the credit loss determined due to a permanent impairment will be recognized in earnings. The credit loss component recognized is identified as the amount of future principal cash flows not expected to be received over the remaining term of the security as projected based on cash flow estimates discounted at the applicable original yield of the security.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Loans Receivable</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Loans that the Company has the intent and ability to hold for the foreseeable future or until maturity or payoff generally are reported at their outstanding unpaid principal balances adjusted for unearned income, including any allowance for loan losses and any unamortized deferred fees or costs.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Interest income is accrued based on the unpaid principal balance. 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The Company evaluates the creditworthiness of each customer and, in most cases, extends credit of up to 80% of the market value of the collateral at the date of the credit extension. The Company&#8217;s credit policies determine advance rates against the different forms of collateral that can be pledged against commercial and industrial, commercial and residential real estate and consumer loans. Typically, the majority of loans will be limited to a percentage of their underlying collateral values such as real estate values, automobiles, equipment, eligible accounts receivable and inventory. 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Private mortgage insurance is usually required for that portion of the loan in excess of 80% of the appraised value of the property.</font></p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">The allowance calculation methodology includes further segregation of loan classes into risk rating categories. 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Loans classified as doubtful have all the weaknesses inherent in loans classified as substandard with the added characteristic that collection or liquidation in full, on the basis of current conditions and facts, is highly improbable. Loans classified as a loss are considered uncollectible and are charged to the allowance for loan losses. 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The specific component relates to loans that are considered impaired. For such impaired loans, an allowance is established when the discounted cash flows (or observable market price or collateral value if the loan is collateral dependent) of the impaired loan is lower than the carrying value of that loan. The general component covers all other loans, segregated generally by loan type and is based on historical loss experience with adjustments for qualitative factors which are made after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss data.</font></p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">These qualitative risk factors generally include:</font></p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: -0.25in; margin: 0pt 0px 0pt 1in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p><table style="widows: 2; text-transform: none; margin-top: 0pt; text-indent: 0px; width: 100%; font: 10pt 'times new roman', times, serif; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" cellspacing="0" cellpadding="0"><tr style="vertical-align: top;"><td style="width: 0.75in;"></td><td style="width: 0.25in;"><font style="font-family: times new roman,times;" size="2">1.</font></td><td style="text-align: justify;"><font style="font-family: times new roman,times;" size="2">Lending policies and procedures, including underwriting standards and collection, charge-off and recovery practices.</font></td></tr></table><p style="text-align: justify; 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widows: 2; text-transform: none; text-indent: -0.25in; margin: 0pt 0px 0pt 1in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></p><table style="widows: 2; text-transform: none; margin-top: 0pt; text-indent: 0px; width: 100%; font: 10pt 'times new roman', times, serif; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" cellspacing="0" cellpadding="0"><tr style="vertical-align: top;"><td style="width: 0.75in;"></td><td style="width: 0.25in;"><font style="font-family: times new roman,times;" size="2">3.</font></td><td style="text-align: justify;"><font style="font-family: times new roman,times;" size="2">Size and composition of the portfolio and the terms of loans.</font></td></tr></table><p style="text-align: justify; 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Based on management&#8217;s comprehensive analysis of the loan portfolio, management believes the current level of the allowance for loan losses is adequate.</font></p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Loans Held for Sale</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Loans held for sale are those loans the Company has the intent to sell in the foreseeable future and are carried at the lower of aggregate cost or market value, with valuation changes recorded in noninterest income. Gains and losses on sales of loans are recognized at the trade dates and are determined by the difference between the sales proceeds and the carrying value of the loans. 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Control over transferred assets is deemed to be surrendered when (1)&#160;the assets have been isolated from the Company &#8211; put presumptively beyond the reach of the transferor and its creditors, even in bankruptcy or other receivership, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the transferor does not maintain effective control over the transferred assets through either (a) an agreement that both entitles and obligates the transferor to repurchase or redeem the assets before maturity or (b) the ability to unilaterally cause the holder to return specific assets, other than through a cleanup call.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Mortgage Servicing Assets</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Mortgage servicing assets are recognized as separate assets developed through the sale of mortgages. Servicing rights are initially recorded at fair value with the income statement effect recorded in gain or loss on sales of loans. Fair value is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost to service, the discount rate, the custodial earnings rate, an inflation rate, ancillary income, prepayment speeds and default rates and losses. 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Impairment is recognized through a valuation allowance and charged to noninterest income, to the extent that fair value is less than the capitalized amount. If the Company later determines that all or a portion of the impairment no longer exists, a reduction of the allowance may be recorded as an increase to income.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Other Real Estate Owned</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in operations. Costs relating to the development and improvement of the property are capitalized, subject to the resulting limit of fair value of the collateral. Gains or losses are included in operations upon disposal. Other real estate owned (&#8220;OREO&#8221;) included $935 and $935 of residential real estate and $643 and $750 of commercial property at June 30, 2019 and December 31, 2018, respectively.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Premises and Equipment</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Premises and equipment are stated at cost, net of accumulated depreciation and amortization. Depreciation is charged to operations using the straight-line method over the estimated useful lives of the related assets. Rent expense is charged to operations over the expected lease term using the straight-line method. Leasehold improvements are amortized over the shorter of the improvements' estimated economic lives or the related lease terms. Gains and losses on dispositions are recognized upon realization. Maintenance and repairs are expensed as incurred and improvements are capitalized.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Bank-Owned Life Insurance</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company purchased bank owned life insurance (&#8220;BOLI&#8221;) on a chosen group of employees and trustees. The Company is the owner and sole beneficiary of the policies. Earnings from BOLI are recognized as part of noninterest income. BOLI is carried at cash surrender value. Death benefit proceeds received in excess of the policies cash surrender values are recognized in income upon receipt. The Company does not intend to surrender these policies and, accordingly, no deferred taxes have been provided.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Goodwill and Amortizable Intangible Assets</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The excess of the purchase price of an acquisition over the net fair value of the identifiable tangible and intangible assets and liabilities is assigned to goodwill. Goodwill is not amortizable, but is subject to at least an annual assessment, or more frequently in the presence of certain circumstances, for impairment.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Other intangible assets are stated at cost, less accumulated amortization and consist of purchased customer accounts. Purchased customer accounts primarily consist of records and files that contain information about investment holdings. These assets are amortized on a straight-line basis over the related estimated lives of 13 years and 4 months. In the presence of certain circumstances, intangible assets may be assessed for impairment as well. Impairment exists when carrying value exceeds its fair value. In such circumstances a charge for the relevant impairment is recognized and the net book value is reduced to the appropriate value.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Income Taxes</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company recognizes income taxes under the asset and liability method. Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that all or some portion of the deferred tax assets will not be realized.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">When tax returns are filed, it is highly expected that most positions taken would be sustained upon examination by the taxing authorities, while others may be subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the consolidated financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more-likely-than-not recognition threshold are measured as the largest amount of tax benefit that is more than 50% likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits along with any associated interest and penalties that would be payable to the taxing authorities upon examination. The Company had no liabilities for uncertain tax positions at June 30, 2019 and December 31, 2018.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Interest and penalties associated with unrecognized tax benefits, if any, would be classified as an additional provision for income taxes in the consolidated statements of income.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Comprehensive Income or Loss</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">GAAP requires that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities and the net actuarial gain or loss of the defined benefit pension plan, are reported as a separate component of the stockholders&#8217; equity section of the consolidated statements of financial condition, such items, along with net income, are components of comprehensive income or loss.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Fair Value</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company uses fair value measurements to record fair value adjustments to certain assets and to determine fair value disclosures. Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in certain instances, there are no quoted market prices for certain assets or liabilities. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the asset or liability.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Fair value measurements focus on exit prices in an orderly transaction (that is, not a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions. If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques may be appropriate. In such instances, determining the price at which willing market participants would transact at the measurement date under current market conditions depends on the facts and circumstances and requires the use of significant judgment.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company's fair value measurements are classified into a fair value hierarchy based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. 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ASU No. 2014-09 establishes principles for recognizing revenue upon the transfer of promised goods or services to customers, in an amount that reflects the expected consideration received in exchange for those goods or services. The Company used the modified retrospective method for transition with the cumulative effect recognized as of the date of initial application with no restatement of prior periods. The adoption did not have a material effect on the Company&#8217;s financial statements as the recognition of interest income has been scoped out of the guidance and noninterest income recognition is similar to current revenue recognition practices. See Note 14 for additional information related to the adoption of ASU No. 2014-09.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In February 2016, the Financial Accounting Standards Board (&#8220;FASB&#8221;) issued&#160;ASU&#160;2016<i>-</i>02 &#8220;Leases (Topic 842).&#8221; This standard requires entities that lease assets to recognize on the balance sheet the assets and liabilities for the rights and obligations created by those leases. 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We are currently assessing the impact of the adoption of this authoritative guidance on our consolidated financial statements and collecting the data necessary for that assessment and adoption.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In June 2016, the FASB issued ASU No. 2016-13 on &#8220;Financial Instruments &#8211; Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments&#8221;. 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On July 17, 2019, the FASB voted to propose a delay for conversion to the CECL methodology to January 2023 for all companies other than large SEC filers; although early adoption is permitted in 2019. The Company is currently assessing the effect that ASU No. 2016-13 will have on its consolidated financial statements.</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0.7pt; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Effective January 1, 2019, the Company adopted ASU No. 2018-07, &#8220;Compensation- Stock Compensation (Topic 718): Improvements to Nonemployee Share-Based Payment Accounting&#8221;. This update expands the scope of Topic 718 to include share-based payment transactions for acquiring goods and services from nonemployees. As a result, nonemployee share-based payment awards will be measured at the grant-date fair value of the equity instruments that an entity is obligated to issue when the service has been rendered, subject to the probability of satisfying performance conditions when applicable. The Company has not and does not expect to engage in this type of compensation practice, and therefore this update did not and likely will not, have an effect on the Company.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Emerging Growth Company Status</b></p><p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p><p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0.5pt; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">As an emerging growth company, the Company may delay adoption of new or revised financial accounting standards until such date that the standards are required to be adopted by non-issuer companies. 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text-align: right;">5</td><td style="text-align: left; padding-bottom: 1pt;">&#160;</td></tr><tr style="background-color: white; vertical-align: bottom;"><td>&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="padding-bottom: 2.5pt; padding-left: 0.25in;">Total</td><td style="padding-bottom: 2.5pt;">&#160;</td><td style="border-bottom: black 2.5pt double; text-align: left;">$</td><td style="border-bottom: black 2.5pt double; 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vertical-align: bottom;"><td style="text-align: left;">With an allowance recorded:</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: white; vertical-align: bottom;"><td style="text-align: left; padding-left: 9pt;">Commercial real estate:</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="padding-left: 0.25in;">Construction</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: white; vertical-align: bottom;"><td style="padding-left: 0.25in;">Non-residential</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">-</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">451</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: #cceeff; 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width: 109px;">79,039</td><td style="text-align: left; width: 15px;">&#160;</td><td style="width: 15px;">&#160;</td><td style="text-align: left; width: 15px;">&#160;</td><td style="text-align: right; width: 109px;">10.00</td><td style="text-align: left; width: 15px;">%</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="text-align: left;">Tier 1 capital (to risk-weighted assets)</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">108,240</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">13.69</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">47,424</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">6.00</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">63,232</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">8.00</td><td style="text-align: left;">%</td></tr><tr style="background-color: white; vertical-align: bottom;"><td style="text-align: left;">Common equity tier one capital (to risk weighted assets)</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">108,240</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">13.69</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">35,568</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">4.50</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">51,376</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">6.50</td><td style="text-align: left;">%</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="text-align: left;">Tier 1 capital (to average assets)</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">108,240</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">11.92</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">36,319</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">4.00</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">45,398</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">5.00</td><td style="text-align: left;">%</td></tr><tr style="background-color: white; vertical-align: bottom;"><td>&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="text-align: left; font-weight: bold;">Rhinebeck&#160;&#160;Bank</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: white; vertical-align: bottom;"><td style="text-align: left;">Total capital (to risk-weighted assets)</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">107,591</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">13.62</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">63,219</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">8.00</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">79,024</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">10.00</td><td style="text-align: left;">%</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="text-align: left;">Tier 1 capital (to risk-weighted assets)</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">99,733</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">12.62</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">47,414</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">6.00</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">63,219</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">8.00</td><td style="text-align: left;">%</td></tr><tr style="background-color: white; vertical-align: bottom;"><td style="text-align: left;">Common equity tier one capital (to risk weighted assets)</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">99,733</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">12.62</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">35,561</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">4.50</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">51,366</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">6.50</td><td style="text-align: left;">%</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="text-align: left;">Tier 1 capital (to average assets)</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">99,733</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">11.04</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">36,149</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">4.00</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">45,186</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">5.00</td><td style="text-align: left;">%</td></tr><tr style="background-color: white; vertical-align: bottom;"><td>&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="vertical-align: bottom;"><td style="text-align: center; padding-bottom: 1pt;">&#160;</td><td style="text-align: center; padding-bottom: 1pt; font-weight: bold;">&#160;</td><td style="border-bottom: black 1pt solid; text-align: center; font-weight: bold;" colspan="21"><b>December 31, 2018</b></td><td style="border-bottom: black 1pt solid; text-align: center;">&#160;</td><td style="text-align: center; padding-bottom: 1pt;">&#160;</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="text-align: left; font-weight: bold;">Rhinebeck Bancorp, MHC</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">&#160;</td><td style="text-align: left;">&#160;</td></tr><tr style="background-color: white; vertical-align: bottom;"><td style="text-align: left;">Total capital (to risk-weighted assets)</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">71,243</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">9.71</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">58,707</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">8.00</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">$</td><td style="text-align: right;">73,383</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">10.00</td><td style="text-align: left;">%</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="text-align: left;">Tier 1 capital (to risk-weighted assets)</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">64,597</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">8.80</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">44,030</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">6.00</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">58,707</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">8.00</td><td style="text-align: left;">%</td></tr><tr style="background-color: white; vertical-align: bottom;"><td style="text-align: left;">Common equity tier one capital (to risk weighted assets)</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">64,597</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">8.80</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">33,023</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">4.50</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">47,699</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">6.50</td><td style="text-align: left;">%</td></tr><tr style="background-color: #cceeff; vertical-align: bottom;"><td style="text-align: left;">Tier 1 capital (to average assets)</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">64,597</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">7.63</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">33,849</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">4.00</td><td style="text-align: left;">%</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">42,311</td><td style="text-align: left;">&#160;</td><td>&#160;</td><td style="text-align: left;">&#160;</td><td style="text-align: right;">5.00</td><td style="text-align: left;">%</td></tr><tr style="background-color: white; 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Document and Entity Information - shares
6 Months Ended
Jun. 30, 2019
Aug. 01, 2019
Document And Entity Information [Abstract]    
Entity Registrant Name Rhinebeck Bancorp, Inc.  
Entity Central Index Key 0001751783  
Trading Symbol rbkb  
Entity Current Reporting Status Yes  
Current Fiscal Year End Date --12-31  
Entity Filer Category Non-accelerated Filer  
Amendment Flag false  
Entity Common Stock, Shares Outstanding   11,133,290
Document Type 10-Q  
Document Period End Date Jun. 30, 2019  
Document Fiscal Year Focus 2019  
Document Fiscal Period Focus Q2  
Entity Small Business true  
Entity Emerging Growth Company true  
Entity Ex Transition Period false  
Entity Shell Company false  
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Consolidated Statements of Financial Condition - USD ($)
$ in Thousands
Jun. 30, 2019
Dec. 31, 2018
Assets    
Cash and due from banks $ 11,969 $ 50,590
Available for sale securities (at fair value) 111,398 101,312
Loans receivable (net of allowance for loan losses of $7,858 and $6,646, respectively) 737,293 678,402
Federal Home Loan Bank stock 3,355 1,883
Accrued interest receivable 2,874 2,523
Cash surrender value of life insurance 18,218 18,018
Deferred tax assets (net of valuation allowance of $1,190 and $1,085, respectively) 2,488 2,934
Premises and equipment, net 16,846 17,040
Other real estate owned 1,578 1,685
Goodwill 1,410 1,410
Intangible assets, net 262 284
Other assets 5,393 6,342
Total assets 913,084 882,423
Deposits    
Noninterest bearing 152,705 171,829
Interest bearing 564,153 512,589
Total deposits 716,858 684,418
Mortgagors' escrow accounts 10,400 7,725
Advances from the Federal Home Loan Bank 64,541 31,598
Subordinated debt 5,155 5,155
Other borrowings   5,000
Subscription offering proceeds   79,142
Accrued expenses and other liabilities 10,573 10,108
Total liabilities 807,527 823,146
Stockholders' Equity    
Preferred stock (par value $0.01 per share; 5,000,000 authorized, 0 issued)
Common stock (par value $0.01 per share; 25,000,000 authorized, 11,133,290 issued and outstanding) 111  
Additional paid-in capital 45,844 100
Unallocated common stock held by the employee stock ownership plan ("ESOP") (4,364)  
Retained earnings 68,321 66,189
Accumulated other comprehensive loss:    
Net unrealized loss on available for sale securities, net of taxes (12) (2,576)
Defined benefit pension plan, net of taxes (4,343) (4,436)
Total accumulated other comprehensive loss (4,355) (7,012)
Total stockholders' equity 105,557 59,277
Total liabilities and stockholders' equity $ 913,084 $ 882,423
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Consolidated Statements of Financial Condition (Parentheticals) - USD ($)
$ in Thousands
Jun. 30, 2019
Dec. 31, 2018
Statement of Financial Position [Abstract]    
Allowance for loan losses on loans receivable $ 7,858 $ 6,646
Deferred tax valuation allowance $ 1,190 $ 1,085
Preferred stock, par value (in dollars per share) $ 0.01 $ 0.01
Preferred stock, share authorized 5,000,000 5,000,000
Preferred Stock, shares issued 0 0
Common stock, par value (in dollars per share) $ 0.01 $ 0.01
Common Stock, shares authorized 25,000,000 25,000,000
Common Stock, shares issued 11,133,290 11,133,290
Common stock, shares outstanding 11,133,290 11,133,290
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Consolidated Statements of Income (unaudited) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2019
Jun. 30, 2018
Jun. 30, 2019
Jun. 30, 2018
Interest and Dividend Income        
Interest and fees on loans $ 9,401 $ 7,393 $ 18,116 $ 14,143
Interest and dividends on securities 713 585 1,321 1,184
Other income 6 5 41 9
Total interest and dividend income 10,120 7,983 19,478 15,336
Interest Expense        
Interest expense on deposits 1,641 986 3,023 1,815
Interest expense on borrowings 558 229 964 362
Total interest expense 2,199 1,215 3,987 2,177
Net interest income 7,921 6,768 15,491 13,159
Provision for loan losses 780 525 1,560 1,050
Net interest income after provision for loan losses 7,141 6,243 13,931 12,109
Noninterest Income        
Service charges on deposit accounts 714 651 1,412 1,245
Net realized loss on sales and calls of securities (40)   (40) (1)
Net gain on sales of loans 152 120 208 268
Increase in cash surrender value of life insurance 99 100 200 199
Write-downs of other real estate owned   (387)   (387)
Other real estate owned income 1 11 11 21
Investment advisory income 329 184 542 332
Other 178 205 364 455
Total noninterest income 1,433 884 2,697 2,132
Noninterest Expense        
Salaries and employee benefits 4,083 3,435 7,971 6,919
Occupancy 898 852 1,793 1,754
Data processing 343 294 650 568
Professional fees 360 224 626 418
Advertising 147 204 302 384
FDIC deposit insurance and other insurance 147 204 288 379
Other real estate owned expense (1) 26 38 83
Amortization of intangible assets 10 10 22 21
Impairment loss on goodwill   95   95
Other 1,061 1,057 2,276 2,146
Total noninterest expense 7,048 6,401 13,966 12,767
Income before income taxes 1,526 726 2,662 1,474
Provision for income taxes 305 147 530 279
Net income $ 1,221 $ 579 $ 2,132 $ 1,195
Earnings per common share:        
Basic (in dollars per share) $ 0.11   $ 0.20  
Diluted (in dollars per share) $ 0.11   $ 0.20  
Weighted average shares outstanding (in shares) 10,705,047   10,702,320  
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Consolidated Statements of Comprehensive Income (unaudited) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2019
Jun. 30, 2018
Jun. 30, 2019
Jun. 30, 2018
Statement of Comprehensive Income [Abstract]        
Net Income $ 1,221 $ 579 $ 2,132 $ 1,195
Other Comprehensive Income:        
Unrealized holding gains (losses) arising during the period 1,889 (424) 3,206 (1,785)
Reclassification adjustment for losses included in net realized loss on sales and calls of securities on the consolidated statements of income 40   40 1
Net unrealized gains (losses) on available for sale securities 1,929 (424) 3,246 (1,784)
Tax effect [1] (406) 89 (682) 375
Unrealized gains (losses) on available for sale securities, net of tax 1,523 (335) 2,564 (1,409)
Defined benefit pension plan:        
Actuarial (loss) gain arising during the period (41) 823 (61) 823
Reclassification adjustment for amortization of net actuarial loss [2] 89 187 179 187
Total 48 1,010 118 1,010
Tax effect [3] (10) (212) (25) (212)
Defined benefit pension plan gain, net of tax 38 798 93 798
Other comprehensive income (loss) 1,561 463 2,657 (611)
Total Comprehensive Income $ 2,782 $ 1,042 $ 4,789 $ 584
[1] Includes $9 for the three and six months ended June 30, 2019 and $0 for the three and six months ended June 30, 2018 for tax effect of realized losses which are included in the provision for income taxes on the consolidated statements of income.
[2] Included in salaries and benefits on the consolidated statements of income.
[3] Includes $19 and $38 for the three and six months ended June 30, 2019, respectively and $39 for the three and six months ended June 30, 2018, for tax effect of amortization of net actuarial loss included in the provision for income taxes on the consolidated statements of income.
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Consolidated Statements of Comprehensive Income (Parentheticals) (unaudited) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2019
Jun. 30, 2018
Jun. 30, 2019
Jun. 30, 2018
Available-for-sale Securities, gross realized losses [1] $ 406 $ (89) $ 682 $ (375)
Amortization of net actuarial loss [2] (10) (212) (25) (212)
Income tax expense provision        
Available-for-sale Securities, gross realized losses 9 0 9 0
Amortization of net actuarial loss $ 19 $ 39 $ 38 $ 39
[1] Includes $9 for the three and six months ended June 30, 2019 and $0 for the three and six months ended June 30, 2018 for tax effect of realized losses which are included in the provision for income taxes on the consolidated statements of income.
[2] Includes $19 and $38 for the three and six months ended June 30, 2019, respectively and $39 for the three and six months ended June 30, 2018, for tax effect of amortization of net actuarial loss included in the provision for income taxes on the consolidated statements of income.
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Consolidated Statements of Changes in Stockholders' Equity - USD ($)
$ in Thousands
Common Stock
Additional Paid-in Capital
Unallocated common stock held by the ESOP
Retained Earnings
Accumulated Other Comprehensive Loss
Total
Balance at Dec. 31, 2017 $ 100 $ 61,832 $ (6,955) $ 54,977
Increase (Decrease) in Stockholders' Equity [Roll Forward]            
Net income 616   616
Other comprehensive income (loss)   (1,074) (1,074)
Balance at Mar. 31, 2018 100 62,448 (8,029) 54,519
Balance at Dec. 31, 2017 100 61,832 (6,955) 54,977
Increase (Decrease) in Stockholders' Equity [Roll Forward]            
Net income           1,195
Other comprehensive income (loss)           (611)
Balance at Jun. 30, 2018 100 63,027 (7,566) 55,561
Balance at Mar. 31, 2018 100 62,448 (8,029) 54,519
Increase (Decrease) in Stockholders' Equity [Roll Forward]            
Net income 579   579
Other comprehensive income (loss)   463 463
Balance at Jun. 30, 2018 100 63,027 (7,566) 55,561
Balance at Dec. 31, 2018 100 66,189 (7,012) 59,277
Increase (Decrease) in Stockholders' Equity [Roll Forward]            
Net income     911   911
Other comprehensive income (loss)       1,096 1,096
Common Stock and proceeds of offering 111 45,754       45,865
Unallocated common stock held by ESOP     (4,364)     (4,364)
Balance at Mar. 31, 2019 111 45,854 (4,364) 67,100 (5,916) 102,785
Balance at Dec. 31, 2018 100 66,189 (7,012) 59,277
Increase (Decrease) in Stockholders' Equity [Roll Forward]            
Net income           2,132
Other comprehensive income (loss)           2,657
Balance at Jun. 30, 2019 111 45,844 (4,364) 68,321 (4,355) 105,557
Balance at Mar. 31, 2019 111 45,854 (4,364) 67,100 (5,916) 102,785
Increase (Decrease) in Stockholders' Equity [Roll Forward]            
Net income   1,221   1,221
Other comprehensive income (loss)     1,561 1,561
Common Stock and proceeds of offering   (10)       (10)
Balance at Jun. 30, 2019 $ 111 $ 45,844 $ (4,364) $ 68,321 $ (4,355) $ 105,557
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Consolidated Statements of Cash Flows (unaudited) - USD ($)
$ in Thousands
6 Months Ended
Jun. 30, 2019
Jun. 30, 2018
Cash Flows From Operating Activities    
Net income $ 2,132 $ 1,195
Adjustments to reconcile net income to net cash provided by operating activities:    
Amortization and accretion of premiums and discounts on investments, net 85 179
Net realized loss on sales and calls of securities 40 1
Provision for loan losses 1,560 1,050
Loans originated for sale (19,458) (14,846)
Proceeds from sale of loans 17,941 16,066
Net gain on sale of loans (208) (268)
Amortization of intangible assets 22 21
Depreciation and amortization 645 573
Impairment loss on goodwill   95
Write-downs of other real estate owned   387
Deferred income tax expense (260) (195)
Increase in cash surrender value of insurance (200) (199)
(Increase) decrease in accrued interest receivable (351) 353
Decrease (increase) in other assets 949 (355)
Increase in accrued expenses and other liabilities 583 1,253
Net cash provided by operating activities 3,480 5,310
Cash Flows from Investing Activities    
Proceeds from sales and calls of securities 4,990 375
Proceeds from maturities and principal repayments of securities 6,877 7,968
Purchases of securities (18,832)  
Net purchases of FHLB Stock (1,472) (1,288)
Net increase in loans (58,726) (57,051)
Purchases of bank premises and equipment (451) (343)
Proceeds from sale of other real estate owned 107 54
Net cash used in investing activities (67,507) (50,285)
Cash Flows from Financing Activities    
Net (decrease) increase in demand deposits, NOW, money market and savings accounts (5,044) 6,013
Net increase in time deposits 37,484 9,980
Increase in mortgagors' escrow accounts 2,675 2,830
Net (decrease) increase in short-term debt (4,369) 8,100
Net increase in long-term debt 32,312 20,000
Proceeds of stock subscriptions 9,804  
Return of unfufilled stock subscriptions (41,073)  
Loan to ESOP (4,364)  
Offering expenses (1,898)  
Return of capital to Rhinebeck Bancorp, MHC (121)  
Net cash provided by financing activities 25,406 46,923
Net (decrease) increase in cash and due from banks (38,621) 1,948
Cash and Due from Banks    
Beginning balance 50,590 10,460
Ending balance 11,969 12,408
Cash paid for:    
Interest 3,933 2,076
Income taxes 915 368
Noncash Investing and Financing Activities    
Unrealized holding gain (loss) on available for sale securities arising during the period 3,246 (1,784)
Decrease in defined benefit plan liability included in other comprehensive loss $ 118 $ 1,010
XML 19 R9.htm IDEA: XBRL DOCUMENT v3.19.2
Nature of Business and Significant Accounting Policies
6 Months Ended
Jun. 30, 2019
Accounting Policies [Abstract]  
Nature of Business and Significant Accounting Policies
1.Nature of Business and Significant Accounting Policies

 

The consolidated financial statements include accounts of Rhinebeck Bancorp, Inc. (the “Company”), a stock holding company, and its wholly owned subsidiary, Rhinebeck Bank (the “Bank”), a New York chartered stock savings bank. The primary purpose of the Company is to act as a holding company for the Bank. The Bank provides a full range of banking and financial services to consumer and commercial customers through its eleven branches and two representative offices located in Dutchess, Ulster, Orange, and Albany counties. Financial services including investment advisory and financial product sales are offered through a division of the Bank doing business as Rhinebeck Asset Management (“RAM”).

 

The unaudited consolidated financial statements reflect all adjustments, which in the opinion of management, are necessary for a fair presentation of the results of the interim periods and are of a normal and recurring nature. Operating results for the three and six month periods ended June 30, 2019 are not necessarily indicative of the results that may be expected for the year ending December 31, 2019.

 

A description of the Company's significant accounting policies are presented below.

 

Basis of Financial Statements Presentation

 

The consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) and general practices within the banking industry. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities, as of the date of the consolidated statements of financial condition and reported amounts of revenues and expenses for the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the valuation of securities and other real estate owned, the evaluation of investment securities for other-than-temporary impairment, the evaluation of goodwill for impairment, the valuation of deferred tax assets and the determination of pension obligations.

 

Principles of Consolidation

 

The accompanying consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary. As a result of the reorganization, the consolidation refers to the Company and the Bank for the periods after January 16, 2019 and Rhinebeck Bancorp, MHC, a New York chartered mutual holding company and the Bank for the periods prior to January 16, 2019. All significant intercompany accounts and transactions have been eliminated in consolidation.

 

Significant Group Concentrations of Credit Risk

 

Most of the Company’s activities are with customers located in the New York State counties of Dutchess, Ulster, Orange, Columbia, Putnam, and Albany. Although the Company has a diversified loan portfolio, a substantial portion of its customers’ abilities to repay their loans is dependent on the economic conditions in the territories in which the Company operates.

  

Cash and Cash Equivalents

 

Cash and due from banks and federal funds sold are recognized as cash equivalents in the consolidated statements of financial condition and cash flows. Federal funds sold generally mature in one day. The Company considers all highly liquid debt instruments purchased with a maturity of six months or less to be cash equivalents.

 

Investment in Debt and Marketable Equity Securities

 

Debt securities, if any, that management has the positive intent and ability to hold to maturity are classified as “held to maturity” and are recorded at amortized cost. “Trading” securities, if any, are carried at fair value, with unrealized gains and losses recognized in earnings. Securities not classified as held to maturity or trading, including equity securities with readily determinable fair values, are classified as “available for sale” and are recorded at fair value, with unrealized gains and losses excluded from earnings and reported in accumulated other comprehensive loss, net of taxes. Purchase premiums and discounts are recognized in interest income using the interest method over the maturity terms of the securities. Realized gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method.

 

The Company evaluates securities for other-than temporary impairment on a regular basis. The evaluation considers several factors including the amount of the unrealized loss, the period of time the security has been in a loss position and the credit standing of the issuer. When the Company does not intend to sell the security and it is likely that the Company will not be required to sell the security before recovery of its cost basis, the credit loss determined due to a permanent impairment will be recognized in earnings. The credit loss component recognized is identified as the amount of future principal cash flows not expected to be received over the remaining term of the security as projected based on cash flow estimates discounted at the applicable original yield of the security.

 

Loans Receivable

 

Loans that the Company has the intent and ability to hold for the foreseeable future or until maturity or payoff generally are reported at their outstanding unpaid principal balances adjusted for unearned income, including any allowance for loan losses and any unamortized deferred fees or costs.

 

Interest income is accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and amortized as a level yield adjustment over the respective term of the loan.

 

The accrual of interest on loans is discontinued at the time the loan is 90 days past due. Consumer automobile and installment loans are typically charged off no later than 180 days past due. Past due status is based on contractual terms of the loan. In all cases, loans are placed on non-accrual status or charged-off at an earlier date if collection of principal or interest is considered doubtful.

 

All interest accrued, but not collected, for loans that are placed on non-accrual status or charged off, is reversed against interest income. The interest on these loans is accounted for on the cash-basis method until qualifying for return to accrual status. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.

  

Allowance for Loan Losses

 

The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management determines all or part of the loan balance is uncollectible. Subsequent recoveries, if any, are credited to the allowance.

 

The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the size and composition of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.

 

The allowance calculation methodology involves segregation of the total loan portfolio into segments. The Company’s loans receivable portfolio is comprised of the following segments: commercial real estate, residential real estate, commercial and industrial and consumer. The segments of the Company’s loans receivable portfolio are further disaggregated into classes based on identified associated risks within those segments. This allows management to better monitor risk and performance.

 

Commercial real estate loans are separated into two classes: non-residential and multi-family. Non-residential and multi-family loans include long-term loans financing commercial properties and include both owner and non-owner occupied properties. Construction loans, which include land loans, are comprised mostly of non-owner occupied projects, whereby the property is generally under development and tends to have more risk than the owner occupied loans. The Company grants loans for the construction of residential homes, residential developments and land development projects. Repayment of these loans is mostly dependent upon either the ongoing cash flows of the borrowing entity or the resale or lease of the subject property.

 

Residential real estate loans are secured by the borrower’s residential real estate generally in a first lien position. Residential mortgages have varying loan interest rates depending on the financial condition of the borrower, the loan to value ratio and the term of the loan.

 

The commercial and industrial loan segment consists of loans made for purposes of financing the activities of commercial customers. The assets financed through commercial and industrial loans are used within the business for its ongoing operations. Repayment of commercial and industrial loans predominately comes from the cash flows of the business or the ongoing operations of assets.

 

Consumer loans are classified into the following three classes: indirect automobile loans, home equity loans and other consumer loans. Indirect automobile loans are secured by the borrowers’ automobiles and originated through the Company’s relationships with the automobile dealers in the various counties in the Company’s service area. Home equity loans are secured by the borrower’s residential real estate in a first or second lien position. Other direct consumer loans may be unsecured.

  

The Company has established credit policies applicable to each type of lending activity in which it engages. The Company evaluates the creditworthiness of each customer and, in most cases, extends credit of up to 80% of the market value of the collateral at the date of the credit extension. The Company’s credit policies determine advance rates against the different forms of collateral that can be pledged against commercial and industrial, commercial and residential real estate and consumer loans. Typically, the majority of loans will be limited to a percentage of their underlying collateral values such as real estate values, automobiles, equipment, eligible accounts receivable and inventory. Individual loan advance rates may be higher or lower depending upon the financial strength of the borrower, past experience with the borrower, the nature of the collateral, competitive offerings and/or the term of the loan.

 

The market value of collateral is monitored on an ongoing basis and additional collateral may be obtained when warranted. While collateral provides some assurance as a secondary source of repayment, the Company ordinarily requires the primary source of repayment to be based on the borrower's ability to generate continuing sufficient cash flows. The Company's policy for collateral requires that, generally, the amount of the loan may not exceed 90% of the original appraised value of the property. Private mortgage insurance is usually required for that portion of the loan in excess of 80% of the appraised value of the property.

 

The allowance calculation methodology includes further segregation of loan classes into risk rating categories. The borrower’s overall financial condition, repayment sources, guarantors and value of collateral, if appropriate, are evaluated at least quarterly or when credit deficiencies arise, such as when loan payments are delinquent. Credit quality risk ratings include regulatory classifications of “special mention”, “substandard”, “doubtful” and “loss”. Loans classified as special mention have potential weaknesses that deserve management’s close attention. If uncorrected, the potential weaknesses may result in deterioration of the repayment prospects. Loans classified as substandard have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They include loans that are inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans classified as doubtful have all the weaknesses inherent in loans classified as substandard with the added characteristic that collection or liquidation in full, on the basis of current conditions and facts, is highly improbable. Loans classified as a loss are considered uncollectible and are charged to the allowance for loan losses. Loans not classified are rated “pass”.

 

The allowance consists of specific and general components. The specific component relates to loans that are considered impaired. For such impaired loans, an allowance is established when the discounted cash flows (or observable market price or collateral value if the loan is collateral dependent) of the impaired loan is lower than the carrying value of that loan. The general component covers all other loans, segregated generally by loan type and is based on historical loss experience with adjustments for qualitative factors which are made after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss data.

 

These qualitative risk factors generally include:

 

1.Lending policies and procedures, including underwriting standards and collection, charge-off and recovery practices.

 

2.National, regional and local economic and business conditions as well as the condition of various market segments, including the value of underlying collateral for collateral dependent loans.

  

3.Size and composition of the portfolio and the terms of loans.

 

4.Volume and severity of past due, classified and non-accrual loans as well as loan modifications.

 

5.Existence and effect of any concentrations of credit and changes in the level of such concentrations.

 

6.Effect of external factors, such as competition and legal and regulatory requirements.

 

A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls are not necessarily classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis for commercial and real estate loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent. The estimated fair values of substantially all of the Company’s impaired loans are measured based on the estimated fair value of the loans’ collateral.

 

For loans secured by real estate, estimated fair values are determined primarily through third-party appraisals. When a real estate secured loan becomes impaired, a decision is made regarding whether an updated certified appraisal of the real estate is necessary. This decision is based on various considerations, including the size of the loan, age of the most recent appraisal, the loan-to-value ratio based on the original appraisal and the condition of the property. Appraised values are discounted for expected sales costs to arrive at the estimated recognizable value of the collateral, which is considered to be the estimated fair value. The recorded investment in consumer mortgages and loans secured by residential real estate properties for which formal foreclosure proceedings are in process was $687 and $526 at June 30, 2019 and December 31, 2018, respectively.

 

For loans secured by non-real estate collateral, such as accounts receivable, inventory and equipment, estimated fair values are determined based on the borrower’s financial statements, inventory reports, accounts receivable aging or equipment appraisals or invoices. Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets.

 

The evaluation of the need and amount of the allowance for impaired loans and whether a loan can be removed from impairment status is made on a quarterly basis. The Company’s policy for recognizing interest income on impaired loans does not differ from its overall policy for interest recognition.

 

The Company may grant a concession or modification for economic or legal reasons related to a borrower's financial condition that it would not otherwise consider resulting in a modified loan which is then identified as a troubled debt restructuring (“TDR”). These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. Loan modifications are intended to minimize the economic loss and to avoid foreclosure or repossession of the collateral. TDRs are considered impaired loans for purposes of calculating the Company's allowance for loan losses.

  

The Company identifies loans for potential restructure primarily through direct communication with the borrower and evaluation of the borrower's financial statements, revenue projections, tax returns and credit reports. Even if the borrower is not presently in default, management will consider the likelihood that cash flow shortages, adverse economic conditions, negative trends, or specific conditions may result in a payment default in the near future.

 

Regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses and may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination, which may not be currently available to management. Based on management’s comprehensive analysis of the loan portfolio, management believes the current level of the allowance for loan losses is adequate.

 

Loans Held for Sale

 

Loans held for sale are those loans the Company has the intent to sell in the foreseeable future and are carried at the lower of aggregate cost or market value, with valuation changes recorded in noninterest income. Gains and losses on sales of loans are recognized at the trade dates and are determined by the difference between the sales proceeds and the carrying value of the loans. Mortgage loans held for sale are generally sold with the mortgage servicing rights retained by the Company.

 

Transfers of Financial Assets

 

Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company – put presumptively beyond the reach of the transferor and its creditors, even in bankruptcy or other receivership, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the transferor does not maintain effective control over the transferred assets through either (a) an agreement that both entitles and obligates the transferor to repurchase or redeem the assets before maturity or (b) the ability to unilaterally cause the holder to return specific assets, other than through a cleanup call.

 

Mortgage Servicing Assets

 

Mortgage servicing assets are recognized as separate assets developed through the sale of mortgages. Servicing rights are initially recorded at fair value with the income statement effect recorded in gain or loss on sales of loans. Fair value is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost to service, the discount rate, the custodial earnings rate, an inflation rate, ancillary income, prepayment speeds and default rates and losses. Capitalized servicing rights are reported in other assets and are amortized into noninterest income in proportion to and over the period of the estimated future net servicing income of the underlying financial assets.

  

Servicing assets are evaluated for impairment based upon the fair value of the rights as compared to amortized cost. Impairment is recognized through a valuation allowance and charged to noninterest income, to the extent that fair value is less than the capitalized amount. If the Company later determines that all or a portion of the impairment no longer exists, a reduction of the allowance may be recorded as an increase to income.

 

Other Real Estate Owned

 

Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in operations. Costs relating to the development and improvement of the property are capitalized, subject to the resulting limit of fair value of the collateral. Gains or losses are included in operations upon disposal. Other real estate owned (“OREO”) included $935 and $935 of residential real estate and $643 and $750 of commercial property at June 30, 2019 and December 31, 2018, respectively.

 

Premises and Equipment

 

Premises and equipment are stated at cost, net of accumulated depreciation and amortization. Depreciation is charged to operations using the straight-line method over the estimated useful lives of the related assets. Rent expense is charged to operations over the expected lease term using the straight-line method. Leasehold improvements are amortized over the shorter of the improvements' estimated economic lives or the related lease terms. Gains and losses on dispositions are recognized upon realization. Maintenance and repairs are expensed as incurred and improvements are capitalized.

 

Bank-Owned Life Insurance

 

The Company purchased bank owned life insurance (“BOLI”) on a chosen group of employees and trustees. The Company is the owner and sole beneficiary of the policies. Earnings from BOLI are recognized as part of noninterest income. BOLI is carried at cash surrender value. Death benefit proceeds received in excess of the policies cash surrender values are recognized in income upon receipt. The Company does not intend to surrender these policies and, accordingly, no deferred taxes have been provided.

 

Goodwill and Amortizable Intangible Assets

 

The excess of the purchase price of an acquisition over the net fair value of the identifiable tangible and intangible assets and liabilities is assigned to goodwill. Goodwill is not amortizable, but is subject to at least an annual assessment, or more frequently in the presence of certain circumstances, for impairment.

 

Other intangible assets are stated at cost, less accumulated amortization and consist of purchased customer accounts. Purchased customer accounts primarily consist of records and files that contain information about investment holdings. These assets are amortized on a straight-line basis over the related estimated lives of 13 years and 4 months. In the presence of certain circumstances, intangible assets may be assessed for impairment as well. Impairment exists when carrying value exceeds its fair value. In such circumstances a charge for the relevant impairment is recognized and the net book value is reduced to the appropriate value.

  

Income Taxes

 

The Company recognizes income taxes under the asset and liability method. Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that all or some portion of the deferred tax assets will not be realized.

 

When tax returns are filed, it is highly expected that most positions taken would be sustained upon examination by the taxing authorities, while others may be subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the consolidated financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more-likely-than-not recognition threshold are measured as the largest amount of tax benefit that is more than 50% likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits along with any associated interest and penalties that would be payable to the taxing authorities upon examination. The Company had no liabilities for uncertain tax positions at June 30, 2019 and December 31, 2018.

 

Interest and penalties associated with unrecognized tax benefits, if any, would be classified as an additional provision for income taxes in the consolidated statements of income.

 

Comprehensive Income or Loss

 

GAAP requires that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities and the net actuarial gain or loss of the defined benefit pension plan, are reported as a separate component of the stockholders’ equity section of the consolidated statements of financial condition, such items, along with net income, are components of comprehensive income or loss.

 

Fair Value

 

The Company uses fair value measurements to record fair value adjustments to certain assets and to determine fair value disclosures. Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in certain instances, there are no quoted market prices for certain assets or liabilities. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the asset or liability.

  

Fair value measurements focus on exit prices in an orderly transaction (that is, not a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions. If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques may be appropriate. In such instances, determining the price at which willing market participants would transact at the measurement date under current market conditions depends on the facts and circumstances and requires the use of significant judgment.

 

The Company's fair value measurements are classified into a fair value hierarchy based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. The three categories within the hierarchy are as follows:

 

 Level 1Quoted prices in active markets for identical assets and liabilities.
   
 Level 2Observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities in active markets, quoted prices in markets that are not active; and model-based valuation techniques for which all significant inputs are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities.
   
 Level 3Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation.

 

Reclassifications

 

Certain amounts in the prior year consolidated financial statements have been reclassified to conform to the current year’s presentation.

 

Impact of Recent Accounting Pronouncements

 

Effective January 1, 2018, the Company adopted Accounting Standards Update (“ASU”) No. 2014-09, “Revenue from Contracts with Customers (Topic 606)”. ASU No. 2014-09 establishes principles for recognizing revenue upon the transfer of promised goods or services to customers, in an amount that reflects the expected consideration received in exchange for those goods or services. The Company used the modified retrospective method for transition with the cumulative effect recognized as of the date of initial application with no restatement of prior periods. The adoption did not have a material effect on the Company’s financial statements as the recognition of interest income has been scoped out of the guidance and noninterest income recognition is similar to current revenue recognition practices. See Note 14 for additional information related to the adoption of ASU No. 2014-09.

  

In February 2016, the Financial Accounting Standards Board (“FASB”) issued ASU 2016-02 “Leases (Topic 842).” This standard requires entities that lease assets to recognize on the balance sheet the assets and liabilities for the rights and obligations created by those leases. The standard is effective for fiscal years and interim periods within those fiscal years beginning after December 15, 2018 for public companies, but the Company will have until the first quarter of 2020 to adopt due to its emerging growth company status. The guidance is required to be applied by the modified retrospective transition approach. Early adoption is permitted. We are currently assessing the impact of the adoption of this authoritative guidance on our consolidated financial statements and collecting the data necessary for that assessment and adoption.

 

In June 2016, the FASB issued ASU No. 2016-13 on “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments”. This ASU requires credit losses on most financial assets be measured at amortized cost and certain other instruments to be measured using an expected credit loss model (referred to as the current expected credit loss (“CECL”) model). Under this model, entities will estimate credit losses over the entire contractual term of the instrument (considering estimated prepayments, but not expected extensions or modifications unless reasonable expectation of a troubled debt restructuring exists) from the date of initial recognition of that instrument. The measurement of expected credit losses is based upon relevant information about past events, including historical experience, current conditions and reasonable and supportable forecasts that affect the collectability of the reported amount. On July 17, 2019, the FASB voted to propose a delay for conversion to the CECL methodology to January 2023 for all companies other than large SEC filers; although early adoption is permitted in 2019. The Company is currently assessing the effect that ASU No. 2016-13 will have on its consolidated financial statements.

 

Effective January 1, 2019, the Company adopted ASU No. 2018-07, “Compensation- Stock Compensation (Topic 718): Improvements to Nonemployee Share-Based Payment Accounting”. This update expands the scope of Topic 718 to include share-based payment transactions for acquiring goods and services from nonemployees. As a result, nonemployee share-based payment awards will be measured at the grant-date fair value of the equity instruments that an entity is obligated to issue when the service has been rendered, subject to the probability of satisfying performance conditions when applicable. The Company has not and does not expect to engage in this type of compensation practice, and therefore this update did not and likely will not, have an effect on the Company.

 

Emerging Growth Company Status

 

As an emerging growth company, the Company may delay adoption of new or revised financial accounting standards until such date that the standards are required to be adopted by non-issuer companies. If such standards would not apply to non-issuer companies, no deferral would be applicable. The Company intends to take advantage of the benefits of the extended transition periods allowed under the Jumpstart Our Business Startups Act.

 

Accordingly, the Company's consolidated financial statements may not be comparable to those of public companies that adopt new or revised financial accounting standards as of an earlier date. The effective dates of the recent accounting standards reflect those that relate to non-issuer companies.

XML 20 R10.htm IDEA: XBRL DOCUMENT v3.19.2
Investment Securities
6 Months Ended
Jun. 30, 2019
Debt Securities, Available-for-sale [Abstract]  
Investment Securities
2.Investment Securities

 

The amortized cost, gross unrealized gains and losses and fair values of available for sale securities are as follows:

 

  June 30, 2019 
  Amortized Cost  Gross Unrealized
Gains
  Gross Unrealized
Losses
  Fair Value 
  (unaudited) 
U.S. Treasury securities $-  $-  $-  $- 
U.S. government agency mortgage-backed securities-residential  89,707   592   (586)  89,713 
U.S. government agency securities  19,935   29   (117)  19,847 
Municipal securities ¹  1,229   18   -   1,247 
Other  542   49   -   591 
Total $111,413  $688  $(703) $111,398 
                 
  December 31, 2018 
                 
U.S. Treasury securities $3,036  $-  $(65) $2,971 
U.S. government agency mortgage-backed securities-residential  82,965   8   (2,757)  80,216 
U.S. government agency securities  16,919   -   (451)  16,468 
Municipal securities ¹  1,228   4   -   1,232 
Other  425   -   -   425 
Total $104,573  $12  $(3,273) $101,312 

 

¹ The issuers of municipal securities are all within New York State.

  

The following table presents the fair value and unrealized losses of the Company’s available for sale securities with gross unrealized losses aggregated by the length of time the individual securities have been in a continuous unrealized loss position:

 

  Less Than 12 Months  12 Months or Longer  Total 
  Fair Value  Unrealized
Losses
  Fair Value  Unrealized
Losses
  Fair Value  Unrealized
Losses
 
        June 30, 2019       
  (unaudited) 
U.S. Treasury securities $-  $-  $-  $-  $-  $- 
U.S. government agency mortgage-backed securities-residential  -   -   40,967   (586)  40,967   (586)
U.S. government agency securities  -   -   12,820   (117)  12,820   (117)
Total $-  $-  $53,787  $(703) $53,787  $(703)
                         
  December 31, 2018 
U.S. Treasury securities $-  $-  $2,971  $(65) $2,971  $(65)
U.S. government agency mortgage-backed securities-residential  1,669   (4)  76,586   (2,753)  78,255   (2,757)
U.S. government agency securities  0   0   16,468   (451)  16,468   (451)
Total $1,669  $(4) $96,025  $(3,269) $97,694  $(3,273)

 

At June 30, 2019 and December 31, 2018, the Company had 59 and 96 individual available-for-sale securities with unrealized losses totaling $703 and $3,273, respectively, with an aggregate depreciation of 1.31% and 3.35%, respectively, from the Company’s amortized cost.

 

Management believes that none of the unrealized losses on available for sale securities are other-than-temporary because substantially all of the unrealized losses in the Company’s investment portfolio relate to market interest rate changes on debt and mortgage-backed securities issued either directly by the government or from government sponsored enterprises. Because the Company does not intend to sell the securities and it is not likely that the Company will be required to sell the securities before recovery of their amortized cost basis, which may be maturity, the Company did not consider those investments to be other-than-temporarily impaired at June 30, 2019 or December 31, 2018.

  

The amortized cost and fair value of available for sale debt securities at June 30, 2019 and December 31, 2018, by contractual maturities, are presented below. Actual maturities of mortgage-backed securities may differ from contractual maturities because the mortgages underlying the securities may be called or repaid without any penalties. Because mortgage-backed securities are not due at a single maturity date, they are not included in the maturity categories in the following maturity summary:

 

  June 30, 2019  December 31, 2018 
  Amortized Cost  Fair Value  Amortized Cost  Fair Value 
  (unaudited)       
Maturity:                
Within 1 year $1,221  $1,217  $1,221  $1,210 
After 1 but within 5 years  14,186   14,074   17,253   16,780 
After 5 but within 10 years  5,557   5,603   1,975   1,945 
After 10 years  200   200   734   736 
Total Maturities  21,164   21,094   21,183   20,671 
                 
Mortgage-backed securities  89,707   89,713   82,965   80,216 
Other  542   591   425   425 
                 
Total $111,413  $111,398  $104,573  $101,312 

 

At June 30, 2019 and December 31, 2018, available for sale securities with a carrying value of $26,222 and $27,465, respectively, were pledged to secure Federal Home Loan Bank of New York (“FHLB”) borrowings. In addition $1,187 and $1,032 of available for sale securities, respectively, were pledged to secure borrowings at the Federal Reserve Bank of New York.

 

During the six months ended June 30, 2019, there was $4,990 in proceeds from the sales of available for sale securities with $40 in gross losses realized. Proceeds from the sale of available for sale securities and calls aggregated $2,113 with $22 in gross losses realized for the year ended December 31, 2018.

XML 21 R11.htm IDEA: XBRL DOCUMENT v3.19.2
Loans and allowance for loan losses
6 Months Ended
Jun. 30, 2019
Receivables [Abstract]  
Loans and allowance for loan losses
3.Loans and Allowance for Loan Losses

 

A summary of the Company’s loan portfolio is as follows:

 

  June 30,  December 31, 
  2019  2018 
  (unaudited)    
Commercial real estate loans:        
Construction $13,357  $12,870 
Non-residential  207,027   197,499 
Multi-family  18,779   12,661 
Residential real estate loans  39,959   43,534 
Commercial and industrial loans  89,473   83,203 
Consumer loans:        
Indirect automobile  338,367   297,144 
Home equity  18,591   19,269 
Other consumer  10,312   10,826 
         
Total gross loans  735,865   677,006 
         
Net deferred loan costs  9,286   8,042 
Allowance for loan losses  (7,858)  (6,646)
         
Total net loans $737,293  $678,402 

 

At June 30, 2019 and December 31, 2018, the unpaid principal balances of loans held for sale, included in the residential real estate category above, were $838 and $888, respectively.

  

The following tables present the classes of the loan portfolio summarized by the pass category and the criticized categories of special mention, substandard and doubtful within the internal risk system:

 

  June 30, 2019 
     Special          
  Pass  Mention  Substandard  Doubtful  Total 
  (unaudited) 
Commercial real estate:                    
Construction $13,357  $-  $-  $-  $13,357 
Non-residential  197,330   6,495   3,202   -   207,027 
Multifamily  18,394   -   385   -   18,779 
Residential real estate  37,263   -   -   2,696   39,959 
Commercial and industrial  87,853   659   921   40   89,473 
Consumer:                    
Indirect automobile  337,777   -   -   590   338,367 
Home equity  18,127   -   -   464   18,591 
Other consumer  10,272   -   -   40   10,312 
                     
Total $720,373  $7,154  $4,508  $3,830  $735,865 

 

  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 real estate  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 

 

Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The past due status of all classes of loans is determined based on contractual due dates for loan payments.

  

The following table presents the classes of the loan portfolio summarized by the aging categories of performing loans and non-accrual loans:

 

  June 30, 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 $13,357  $-  $-  $-  $13,357  $- 
Non-residential  204,559   241   173   2,054   207,027   2,054 
Multifamily  18,420   -   359   -   18,779   - 
Residential real estate  37,993   889   -   1,077   39,959   2,696 
Commercial and industrial  88,942   68   423   40   89,473   306 
Consumer:                        
Indirect automobile  332,384   4,520   896   567   338,367   590 
Home equity  18,039   186   -   366   18,591   463 
Other consumer  10,061   165   45   41   10,312   41 
                         
Total $723,755  $6,069  $1,896  $4,145  $735,865  $6,150 

 

  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 real estate  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 

  

The following tables summarize information in regards to impaired loans by loan portfolio class:

 

  June 30, 2019 
  Recorded
Investment
  Unpaid
Principal
Balance
  Related
Allowance
  Average
Recorded
Investment
 
  (unaudited) 
With no related allowance recorded:                
Commercial real estate:                
Construction $-  $-  $-  $- 
Non-residential  2,054   2,094   -   2,281 
Multifamily  -   -   -   - 
Residential real estate  2,696   3,162   -   2,490 
Commercial and industrial  266   401   -   282 
Consumer:                
Indirect automobile  353   395   -   313 
Home equity  464   481   -   331 
Other consumer  -   -   -   5 
                 
Total $5,833  $6,533  $-  $5,702 
                 
With an allowance recorded:                
Commercial real estate:                
Construction $-  $-  $-  $- 
Non-residential  -   -   -   - 
Multifamily  -   -   -   - 
Residential real estate  -   -   -   - 
Commercial and industrial  40   40   40   20 
Consumer:              - 
Indirect automobile  237   265   69   208 
Home equity  -   -   -   - 
Other consumer  40   41   12   20 
                 
Total $317  $346  $121  $248 
                 
Total:                
Commercial real estate:                
Construction $-  $-  $-  $- 
Non-residential  2,054   2,094   -   2,281 
Multifamily  -   -   -   - 
Residential real estate  2,696   3,162   -   2,490 
Commercial and industrial  306   441   40   302 
Consumer:                
Indirect automobile  590   660   69   521 
Home equity  464   481   -   331 
Other consumer  40   41   12   25 
                 
Total $6,150  $6,879  $121  $5,950 

  

  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 real estate  2,285   2,841   -   2,235 
Commercial and industrial  297   421   -   758 
Consumer:                
Indirect automobile  274   320   -   242 
Home equity  198   211   -   158 
Other consumer  10   10   -   5 
                 
Total $5,571  $6,404  $-  $6,984 
                 
With an allowance recorded:                
Commercial real estate:                
Construction $-  $-  $-  $- 
Non-residential  -   -   -   451 
Multifamily  -   -   -   - 
Residential real estate  -   -   -   - 
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 real estate  2,285   2,841   -   2,235 
Commercial and industrial  297   421   -   767 
Consumer:                
Indirect automobile  452   511   50   447 
Home equity  198   211   -   158 
Other consumer  10   10   -   7 
                 
Total $5,749  $6,595  $50  $7,651 

  

A loan is considered impaired when based on current information and events it is probable that the Company will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include nonperforming loans and loans modified as troubled debt restructurings. Loan modifications, which resulted in these loans being considered TDRs, are primarily in the form of rate concessions and extensions of maturity dates. The Company does not generally recognize interest income on a loan in an impaired status. At June 30, 2019 and December 31, 2018, three loans totaling $1,716 and the same three loans totaling $1,774, respectively, included in impaired loans, were identified as TDRs. There were no new TDRs in the first half of 2019. In 2018, the Company restructured two loans, a residential mortgage and home equity loan, into a single residential mortgage, with a carrying value of $117, which included both rate and term modifications. At June 30, 2019 and December 31, 2018, all TDR loans were performing in accordance with their restructured terms. During the year ended December 31, 2018, one loan for $19 had defaulted in its modified terms and was charged off. At June 30, 2019 and December 31, 2018, the Company had no commitments to advance additional funds to borrowers under TDR loans.

 

The Company services certain loans that it has sold without recourse to third parties. The aggregate balances of loans serviced for others were $261,559 and $255,892 as of June 30, 2019 and December 31, 2018, respectively.

 

The balance of capitalized servicing rights, included in other assets at June 30, 2019 and December 31, 2018, were $2,203 and $2,278, respectively. Fair value exceeds carrying value. No impairment charges related to servicing rights were recognized during the period ended June 30, 2019 and the year ended December 31, 2018.

  

The following tables summarize the segments of the loan portfolio and the allowance for loan losses, segregated into the amount required Afor loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment and the activity in the allowance for loan losses for the periods then ended: 

  Commercial
Real Estate
  Residential
Real Estate
  Commercial and
Industrial
  Indirect  Consumer  Totals 
  Three months ended June 30, 2019 
  (unaudited) 
Allowance for loan losses:                        
Beginning balance $1,159  $286  $1,575  $3,380  $783  $7,183 
Provision for loan losses  93   17   327   329   14   780 
Loans charged-off  -   -   (7)  (424)  (9)  (440)
Recoveries  -   2   -   321   12   335 
Ending balance $1,252  $305  $1,895  $3,606  $800  $7,858 
    
  Six months ended June 30, 2019 
  (unaudited) 
Allowance for loan losses:                        
Beginning balance $1,080  $320  $1,542  $2,915  $789  $6,646 
Provision (credit) for loan losses  172   (18)  364   1,032   10   1,560 
Loans charged-off  -   -   (12)  (919)  (15)  (946)
Recoveries  -   3   1   578   16   598 
Ending balance $1,252  $305  $1,895  $3,606  $800  $7,858 
Ending balance:                        
Individually evaluated for impairment $-  $-  $41  $69  $11  $121 
Collectively evaluated for impairment $1,252  $305  $1,854  $3,537  $789  $7,737 
Loan receivables:                        
Ending balance $239,163  $39,959  $89,473  $338,367  $28,903  $735,865 
Ending balance:                        
Individually evaluated for impairment $2,054  $2,696  $307  $590  $503  $6,150 
Collectively evaluated for impairment $237,109  $37,263  $89,166  $337,777  $28,400  $729,715 

  

  Commercial
Real Estate
  Residential
Real Estate
  Commercial and
Industrial
  Indirect  Consumer  Totals 
  Three months ended June 30, 2018 
  (unaudited) 
Allowance for loan losses:                        
Beginning balance $897  $462  $950  $2,577  $734  $5,620 
Provision for loan losses  50   49   131   247   48   525 
Loans charged-off  -   -   (9)  (362)  (10)  (381)
Recoveries  -   2   10   159   4   175 
Ending balance $947  $513  $1,082  $2,621  $776  $5,939 
    
  Six months ended June 30, 2018 
  (unaudited) 
Allowance for loan losses:                        
Beginning balance $1,305  $455  $879  $2,150  $668  $5,457 
(Credit) provision for loan losses  (55)  55   118   817   115   1,050 
Loans charged-off  (303)  -   (28)  (735)  (18)  (1,084)
Recoveries  -   3   113   389   11   516 
Ending balance $947  $513  $1,082  $2,621  $776  $5,939 
Ending balance:                        
Individually evaluated for impairment $-  $-  $-  $61  $-  $61 
Collectively evaluated for impairment $947  $513  $1,082  $2,560  $776  $5,878 
                         
Loan receivables:                        
Ending balance $220,697  $43,736  $75,612  $250,217  $30,329  $620,591 
Ending balance:                        
Individually evaluated for impairment $5,874  $2,483  $1,211  $325  $273  $10,166 
Collectively evaluated for impairment $214,823  $41,253  $74,401  $249,892  $30,056  $610,425 
                   
  Commercial
Real Estate
  Residential
Real Estate
  Commercial and
Industrial
  Indirect  Consumer  Totals 
  Year ended December 31, 2018 
Allowance for loan losses:                        
Beginning balance $1,305  $455  $879  $2,150  $668  $5,457 
(Credit) provision 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 

  

In the normal course of business, the Company grants loans to officers, directors and other related parties. Balances and activity of such loans during the periods presented were not material.

XML 22 R12.htm IDEA: XBRL DOCUMENT v3.19.2
Premises and Equipment
6 Months Ended
Jun. 30, 2019
Property, Plant and Equipment [Abstract]  
Premises and Equipment
4.Premises and Equipment

 

Premises and equipment are summarized as follows:

 

  June 30,  December 31, 
  2019  2018 
  (unaudited)    
Land $3,536  $3,536 
Buildings and improvements  23,585   23,534 
Furniture, fixtures and equipment  11,948   11,708 
Construction in process  211   51 
         
Total  39,280   38,829 
         
Less accumulated depreciation  (22,434)  (21,789)
         
Net $16,846  $17,040 
XML 23 R13.htm IDEA: XBRL DOCUMENT v3.19.2
Goodwill
6 Months Ended
Jun. 30, 2019
Goodwill, Impaired [Abstract]  
Goodwill
5.Goodwill

 

The changes in the carrying value of goodwill are as follows:

 

RAM Six Months
Ended June 30,
2019
  Year Ended
December 31,
2018
 
  (unaudited)    
Beginning balance $1,410  $1,505 
Impairment  -   (95)
         
Ending balance $1,410  $1,410 
         
Accumulated impairment $1,116  $1,116 

 

In 2018 the Company tested the goodwill recorded for RAM and determined that a write-down of $95 was required to reflect impairment due to the loss of expected revenue.

XML 24 R14.htm IDEA: XBRL DOCUMENT v3.19.2
Intangible Assets
6 Months Ended
Jun. 30, 2019
Intangible Assets, Net (Excluding Goodwill) [Abstract]  
Intangible Assets
6.Intangible Assets

 

The changes in the carrying value of customer list intangible are as follows:

 

RAM Six Months
Ended June 30,
2019
  Year Ended
December 31,
2018
 
  (Unaudited)    
Beginning balance $284  $326 
Amortization  (22)  (42)
         
Ending balance $262  $284 
Accumulated amortization and impairment $685  $663 

 

The value assigned to customer list intangibles is based upon a multiple of the amount of commission revenue generated from the identified premiums. The customer lists are expected to have useful lives of 13 years and 4 months. The Company recognized $22 and $42 of amortization expense related to its intangible assets for the quarter ended June 30, 2019 and the year ended December 31, 2018.

 

At June 30, 2019, based upon the amount of future commission revenue available from the then existing RAM customer premiums on hand, the Company determined that the fair value of the amortizable intangible assets exceeded their carrying values.

 

As of June 30, 2019 the future amortization expense for amortizable intangible assets for the respective years is as follows:

 

2019 $22 
2020  42 
2021  42 
2022  42 
2023  42 
Thereafter       72 
Total $262 
XML 25 R15.htm IDEA: XBRL DOCUMENT v3.19.2
Deposits
6 Months Ended
Jun. 30, 2019
Deposits [Abstract]  
Deposits
7.Deposits

 

Deposits balances are summarized as follows:

 

  June 30,  December 31, 
  2019  2018 
  (unaudited)    
Noninterest bearing demand deposits $152,705  $171,829 
         
Interest bearing accounts:        
NOW  103,089   99,715 
Savings  120,814   126,822 
Money market  147,070   130,356 
Time certificates of deposit  193,180   155,696 
         
 Total interest bearing accounts  564,153   512,589 
         
Total deposits $716,858  $684,418 

 

Included in time certificates of deposit at June 30, 2019 and December 31, 2018 were reciprocal deposits totaling $22,275 and $21,515, respectively, with original maturities of one to three years. Time certificates of deposit in denominations of $250 or greater were $35,545 and $16,644 as of June 30, 2019 and December 31, 2018, respectively.

 

Contractual maturities of time certificates of deposit at June 30, 2019 are summarized below:

 

       June 30,       
  2019 
  (unaudited) 
Within 1 year $123,381 
1 - 2 years  47,812 
2 - 3 years  12,875 
3 - 4 years  3,027 
4 - 5 years  6,085 
Total $193,180 
XML 26 R16.htm IDEA: XBRL DOCUMENT v3.19.2
Long-Term Debt and FHLB Stock
6 Months Ended
Jun. 30, 2019
Debt Disclosure [Abstract]  
Long-Term Debt and FHLB Stock
8.Long-Term Debt and FHLB Stock

 

FHLB Borrowings and Stock

 

The Bank is a member of the FHLB. At June 30, 2019 and December 31, 2018, the Bank had access to a preapproved secured line of credit with the FHLB of $456,464 and $441,134, respectively. Borrowings under this line require collateralization through the pledge of specific loans and securities. At June 30, 2019 and December 31, 2018, the Bank had pledged assets of $160,493 and $145,805, respectively. At June 30, 2019 and December 31, 2018, the Bank had outstanding overnight line of credit balances with FHLB of $12,500 and $0, respectively. These borrowings mature the following business day. The interest rate was 2.45% at June 30, 2019. At June 30, 2019, the Bank also had structured borrowings in the amount of $52,041. The outstanding principal amounts and the related terms and rates at June 30, 2019 were as follows:

 

Term Principal  Maturity Rate  Due in one year  Long term 
2 year amortizing $2,535  May 15, 2020  2.78% $2,535  $- 
2 year amortizing  2,743  June 8, 2020  2.76%  2,743   - 
2 year amortizing  10,000  May 17, 2021  2.53%  4,937   5,063 
2 year bullet  10,000  May 17, 2021  2.46%  -   10,000 
3 year amortizing  6,763  May 17, 2021  2.92%  3,332   3,431 
3 year amortizing  10,000  May 16, 2022  2.49%  3,251   6,749 
3 year bullet  10,000  May 16, 2022  2.44%  -   10,000 
Total $52,041  Weighted Average Rate  2.57% $16,798  $35,243 

 

The Bank is required to maintain an investment in capital stock of the FHLB, as collateral, in an amount equal to a certain percentage of its outstanding debt. FHLB stock is considered restricted stock and is carried at cost. The Bank evaluates for impairment based on the ultimate recovery ability of the cost. No impairment was recognized at either June 30, 2019 or December 31, 2018.

  

Subordinated Debt

 

As part of the reorganization completed on January 16, 2019, the Company acquired both the common securities and related obligations of RSB Capital Trust I (“Trust”). The Trust, which has no independent assets or operations, was formed in 2005 for the sole purpose of issuing trust preferred securities and investing the proceeds thereof in an equivalent amount of junior subordinated debentures. The proceeds from the issuance of the trust preferred securities are currently considered Tier 1 capital for purposes of determining the Bank’s capital ratios. The trust securities also bear interest at 3-month LIBOR plus 2.00%. The duration of the Trust is 30 years.

 

The subordinated debt securities of $5,155 are unsecured obligations of the Company and are subordinate and junior in right of payment to all present and future senior indebtedness of the Company. The Company has entered into a guarantee, which together with its obligations under the subordinated debt securities and the declaration of trust governing the Trust, including its obligations to pay costs, expenses, debts and liabilities, other than trust securities, provides a full and unconditional guarantee of amounts on the capital securities. The subordinated debentures, which bear interest at 3-month LIBOR plus 2.00% (4.32% at June 30, 2019 and 4.65% at December 31, 2018) mature on May 23, 2035.

 

Other Borrowings

 

In December 2018 Rhinebeck Bancorp, MHC entered into an agreement with Atlantic Community Bankers Bank to provide it with a $5,000 line of credit at a rate equal to the Wall Street Journal prime rate of interest plus 0.50% to provide a temporary source of additional funds. At December 31, 2018 the entire line was drawn and the funds were down-streamed to the Bank as capital to support year-end capital ratios that were impacted by the influx of cash for subscription orders related to the reorganization and stock offering. On January 15, 2019 the Bank paid a $5,100 dividend to Rhinebeck Bancorp, MHC which then paid off the borrowing. After the closing of the offering, the facility converted to Rhinebeck Bancorp, Inc. and remains in place for backstop liquidity purposes. On June 30, 2019, the Company had no amount outstanding on the line.

 

The Bank also has an unsecured, uncommitted $10,000 line of credit with Zions Bank. There were no advances outstanding under this line of credit at either June 30, 2019 or December 31, 2018.

XML 27 R17.htm IDEA: XBRL DOCUMENT v3.19.2
Employee Benefits
6 Months Ended
Jun. 30, 2019
Employee Benefits and Share-based Compensation, Noncash [Abstract]  
Employee Benefits
9.Employee Benefits

 

Pension Plan

 

The Bank maintains a noncontributory defined benefit pension plan covering substantially all of its employees 21 years of age or older who had completed at least one year of service as of June 30, 2012, the effective date on which, the Board of Directors of Rhinebeck Bank voted to freeze the Bank’s defined benefit plan.

 

The following table sets forth the plan’s funded status and amounts recognized in the Company’s consolidated statements of financial condition:

 

  Six months
ended June 30,
  Year ended
December 31,
 
  2019  2018 
  (unaudited)    
Projected and accumulated benefit obligation $(20,390) $(18,241)
Plan assets at fair value  19,608   17,459 
Funded status included in other liabilities $(782) $(782)

 

The net periodic pension (benefit) cost and amounts recognized in other comprehensive income (loss) are as follows:

 

  Six months ended
June 30,
  Year ended
December 31,
 
  2019  2018 
  (unaudited)    
Interest cost $370  $689 
Expected return on plan assets  (470)  (1,074)
Amortization of unrecognized loss  219   374 
Net periodic cost (benefit) $119  $(11)

 

The expected long-term rate of return on plan assets has been determined by applying historical average investment returns from published indexes relating to the current allocation of assets in the plan. Plan assets are invested in pooled separate accounts consisting of underlying investments in ten diversified investment funds.

 

As of June 30, 2019 and December 31, 2018, the investment funds included six equity funds and four fixed income funds, comprised of three bond funds and a real estate fund, each with its own investment objectives, investment strategies and risks, as detailed in the Company’s investment policy statement. The Company determines the appropriate strategic asset allocation versus plan liabilities, as governed by the investment policy statement.

 

The assets of the plan are invested under the supervision of the Company’s investment committee in accordance with the investment policy statement. The investment options of the plan are chosen in a manner consistent with generally accepted standards of fiduciary responsibility. The investment performance of the Company’s individual investment managers, with the assistance of the Company’s investment consultant, is monitored on a quarterly basis and is reviewed at least annually relative to the objectives and guidelines as stated in the Company’s investment policy statement.

 

In 2018, the Company made a contribution to the plan in the amount of $570. The Company does not expect to make a contribution in 2019.

 

The fair value of the Company’s pension plan assets, by fair value hierarchy, are as follows:

 

  June 30, 2019 
  Level 1  Level 2  Level 3  Total 
  (unaudited) 
Assets:                
Investment in separate accounts                
Fixed income $-  $15,169  $-  $15,169 
Equity  -   4,439   -   4,439 
Total assets at fair value $-  $19,608  $-  $19,608 

 

  December 31, 2018 
  Level 1  Level 2  Level 3  Total 
Assets:                
Investment in separate accounts                
Fixed income $-  $13,638  $-  $13,638 
Equity  -   3,821   -   3,821 
Total assets at fair value $-  $17,459  $-  $17,459 

 

The pooled separate accounts are valued at the net asset per unit based on either the observable net asset value of the underlying investment or the net asset value of the underlying pool of securities. Net asset value is based on the value of the underlying assets owned by the fund, minus its liabilities and then divided by the number of shares outstanding. Pooled separate accounts are classified within level 2 of the valuation hierarchy described in Note 1.

 

For a detailed disclosure on the Bank’s pension and employee benefits plans, please refer to Note 11 of the Company’s Consolidated Financial Statements for the year ended December 31, 2018 included in the Company’s Annual Report on Form 10-K.

 

Defined Contribution Plan

 

The Company sponsors a 401(k) defined contribution plan. Participants are permitted, in accordance with the provisions of Section 401(k) of the Internal Revenue Code, to contribute up to 25% of their earnings (as defined) into the plan with the Company matching up to 6%, subject to Internal Revenue Service limitations. The Company’s contributions charged to operations amounted to $442 and $378 for the six months ended June 30, 2019 and 2018, respectively.

 

Bank Owned Life Insurance

 

The Company has an investment in and is the beneficiary of, life insurance policies on the lives of certain officers and trustees. The purpose of these life insurance policies is to provide income through the appreciation in cash surrender value of the policies, which is expected to offset the cost of the deferred compensation plans. These policies have aggregate cash surrender values of $18,218 and $18,018 at June 30, 2019 and December 31, 2018, respectively. Net earnings on these policies aggregated $200 and $199 for the six months ended June 30, 2019 and 2018, respectively, which are included in noninterest income in the consolidated statements of income.

 

Deferred Compensation Arrangements

 

Directors’ Plan

 

The Bank’s Deferred Compensation Plan for Fees of Directors (the “Directors’ Plan”; as amended and restated effective January 1, 2005) covers Directors who elect to defer receipt of all or a portion of their fees until separation from service. Upon resignation, retirement, or death the participant’s total deferred compensation, including earnings thereon, will be paid out. At June 30, 2019 and December 31, 2018, total amounts due of $1,918 and $1,687, respectively, are included in accrued expenses and other liabilities. Total expenses related to the Directors’ Plan were $62 and $65 for the six months ended June 30, 2019 and 2018, respectively, which were included in noninterest expense in the consolidated statements of income.

 

Executive Long-Term Incentive and Retention Plan

 

The Bank maintains an Executive Long-Term Incentive and Retention Plan (the “Executive Plan”). Participation in the Executive Plan is limited to officers of the Company designated as participants by the Board of Directors and who filed a properly completed and executed participation agreement in accordance with the terms of the Executive Plan. Under the Executive Plan, the Board of Directors may grant annual incentive awards equal to a percentage of a participant’s base salary at the rate in effect on the last day of the Plan year, as determined by the Board of Directors based on the attainment of criteria established annually by the Board of Directors. Incentive awards under the Executive Plan are credited to the participant’s incentive benefit account as of the last day of the Executive Plan year to which the award relates and earn interest at a rate determined annually by the Board of Directors. Participants vest in their benefit accounts in accordance with the vesting schedule approved by the Board of Directors, which ranges from one to five years of service. At June 30, 2019 and December 31, 2018, $998 and $975, respectively, is included in accrued expenses and other liabilities, which represents the cumulative amounts deferred and earnings thereon. The Company recognized expenses of $271 and $175 for the six months ended June 30, 2019 and 2018, respectively, related to this plan and which are included in salaries and employee benefits expense in the consolidated statements of income.

 

Group Term Replacement Plan

 

Under the terms of the “Group Term Replacement Plan”, the Company provides postretirement life insurance benefits to certain officers. The liability related to these postretirement benefits is being accrued over the individual participants’ service period and aggregated $1,303 and $1,276, respectively, at June 30, 2019 and December 31, 2018. The Company recognized expenses of $26 for each of the six month periods ended June 30, 2019 and June 30, 2018, related to this plan which are included in salaries and employee benefits expense in the consolidated statements of income.

 

Other Director and Officer Postretirement Benefits

 

The Company has individual fee continuation agreements with certain directors and a supplemental retirement agreement with an executive officer which provide for fixed postretirement benefits to be paid to the directors and the officer, or their beneficiaries, for periods ranging from 15 to 20 years. In addition, the Company has agreements with certain directors which provide for certain postretirement life insurance benefits. The liability related to these postretirement benefits is being accrued over the individual participants’ service period and aggregated $2,124 and $2,108, respectively, at June 30, 2019 and December 31, 2018. The Company recognized expenses of $48 and $51 for the six months ended June 30, 2019 and 2018, respectively, related to these benefits which are included in other noninterest expenses in the consolidated statements of income.

 

Employee Stock Ownership Plan

 

On January 1, 2019, the Bank established an Employee Stock Ownership Plan (“ESOP”) to provide eligible employees the opportunity to own Company stock. The plan is a tax-qualified retirement plan for the benefit of Bank employees. On January 16, 2019, the Company granted a loan to the ESOP for the purchase of 436,425 shares of the Company’s common stock at a price of $10.00 per share. The loan obtained by the ESOP from the Company to purchase the common stock is payable annually over 20 years at a rate per annum equal to the Prime Rate, reset annually on January 1st (5.50% at December 31, 2018). Loan payments are principally funded by cash contributions from the Bank. The loan is secured by the shares purchased, which are held in a suspense account for allocation among participants as the loan is repaid. The balance of the ESOP loan at June 30, 2019 was $4.4 million. Contributions are allocated to eligible participants on the basis of compensation, subject to federal tax limits. The number of shares committed to be released annually is 21,821 through 2039.

 

Shares held by the ESOP include the following:

 

  June 30, 2019 
Allocated  - 
Committed to be allocated  10,910 
Unallocated  425,515 
Total shares  436,425 

 

The fair value of unallocated shares was $4.7 million at June 30, 2019.

 

Total compensation expense recognized in connection with the ESOP for the six months ended June 30, 2019 was $183.

XML 28 R18.htm IDEA: XBRL DOCUMENT v3.19.2
Commitments and Contingencies
6 Months Ended
Jun. 30, 2019
Commitments and Contingencies Disclosure [Abstract]  
Commitments and Contingencies
10.Commitments and Contingencies

 

Leases and Subleases

 

The Company leases certain branch offices and equipment under operating lease agreements which expire at various dates through 2025. The Company has the option to renew the leases for its branch offices at fair rental values. In addition to rental payments, the branch leases require payments for property taxes in excess of base year taxes.

  

As of June 30, 2019, future minimum rental commitments under the terms of these leases, by year and in the aggregate, are as follows:

 

Years ending December 31:   
2019 $       337 
2020  641 
2021  564 
2022  509 
2023  486 
2024 and beyond  477 
     
Total $3,014 

 

Total rental expense charged to operations for cancelable and non-cancelable operating leases was $323 and $317 for the six months ended June 30, 2019 and 2018, respectively. Rental income under subleases was $137 and $163 for the six months ended June 30, 2019 and 2018, respectively.

 

Legal Matters

 

The Company is involved in various legal proceedings which have arisen in the normal course of business. Management believes that resolution of these matters will not have a material effect on the Company's financial condition or results of operations.

 

Employment Agreements

 

The Company has entered into employment agreements with certain officers. The agreements provide for base salaries and incentive compensation based on performance criteria outlined in the agreements. The agreements also provide for insurance and various other benefits.

XML 29 R19.htm IDEA: XBRL DOCUMENT v3.19.2
Financial Instruments with Off-Balance-Sheet Risk
6 Months Ended
Jun. 30, 2019
Financial Instruments With Off-Balance-Sheet Risk [Abstract]  
Financial Instruments with Off-Balance-Sheet Risk
11.Financial Instruments with Off-Balance-Sheet Risk

 

In the normal course of business, the Company is a party to financial instruments with off-balance-sheet risk to meet the financing needs of its customers. These financial instruments include standby letters of credit and commitments to extend credit, which include new loan commitments and undisbursed portions of construction loans and other lines of credit. These financial instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the statements of financial condition. The contractual amounts of those instruments reflect the extent of involvement the Company has in particular classes of financial instruments.

 

The contractual amounts of commitments to extend credit represent the amounts of potential loss should the contract be fully drawn upon, the customer defaults and the value of any existing collateral become worthless. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments.

  

Financial instruments whose contract amounts represent off-balance sheet credit risk are as follows:

 

  June 30,  December 31, 
  2019  2018 
  (unaudited)    
Commitments to extend credit summarized as follows:        
Future loan commitments $3,910  $3,157 
Undisbursed construction loans  11,188   16,289 
Undisbursed home equity lines of credit  9,716   9,532 
Undisbursed commercial and other line of credit  52,402   50,773 
Standby letters of credit  2,922   1,785 
Total $80,138  $81,536 

 

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Since these commitments could expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements.

 

The Company evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management's credit evaluation of the counterparty. Collateral held varies but may include residential and commercial property, deposits and securities.

XML 30 R20.htm IDEA: XBRL DOCUMENT v3.19.2
Regulatory Matters
6 Months Ended
Jun. 30, 2019
Banking and Thrift [Abstract]  
Regulatory Matters
12.Regulatory Matters

 

The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of the Company's and the Bank’s assets, liabilities and certain off-balance-sheet items, as calculated under regulatory accounting practices. The Company's and the Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.

 

The final rules implementing the BASEL Committee on Banking Supervisor’s Capital Guidance for U.S. Banks (BASEL III) became effective for the Company and Bank on January 1, 2016. Compliance with the requirements was phased in over a four year period with full compliance as of January 1, 2019. All presented capital ratios are calculated using BASEL III rules.

 

Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth in the tables below) of total, common equity Tier 1 and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined) and of Tier I capital (as defined) to average assets (as defined). Management believes, as of June 30, 2019 and December 31, 2018, that the Company and the Bank met all capital adequacy requirements to which they are subject.

  

The most recent notification from the Federal Deposit Insurance Corporation (“FDIC”) categorized the Bank as “well capitalized” under the regulatory framework. To be categorized as well capitalized, the Bank must maintain minimum total risk-based, common equity Tier 1, Tier I risk-based and Tier I leverage ratios as set forth in the table below. There are no conditions or events since then, which management believes have changed the Bank's category.

 

The Company’s and Bank's actual capital amounts and ratios were:

 

  Actual  For Capital
Adequacy Purposes
  To be Well
Capitalized under
Prompt Corrective
Action Provisions
 
  Amount  Ratio  Amount  Ratio  Amount  Ratio 
  June 30, 2019 
  (unaudited) 
Rhinebeck Bancorp, Inc.                        
Total capital (to risk-weighted assets) $116,098   14.69% $63,232   8.00% $79,039   10.00%
Tier 1 capital (to risk-weighted assets)  108,240   13.69%  47,424   6.00%  63,232   8.00%
Common equity tier one capital (to risk weighted assets)  108,240   13.69%  35,568   4.50%  51,376   6.50%
Tier 1 capital (to average assets)  108,240   11.92%  36,319   4.00%  45,398   5.00%
                         
Rhinebeck  Bank                        
Total capital (to risk-weighted assets) $107,591   13.62% $63,219   8.00% $79,024   10.00%
Tier 1 capital (to risk-weighted assets)  99,733   12.62%  47,414   6.00%  63,219   8.00%
Common equity tier one capital (to risk weighted assets)  99,733   12.62%  35,561   4.50%  51,366   6.50%
Tier 1 capital (to average assets)  99,733   11.04%  36,149   4.00%  45,186   5.00%
                         
  December 31, 2018  
Rhinebeck Bancorp, MHC                        
Total capital (to risk-weighted assets) $71,243   9.71% $58,707   8.00% $73,383   10.00%
Tier 1 capital (to risk-weighted assets)  64,597   8.80%  44,030   6.00%  58,707   8.00%
Common equity tier one capital (to risk weighted assets)  64,597   8.80%  33,023   4.50%  47,699   6.50%
Tier 1 capital (to average assets)  64,597   7.63%  33,849   4.00%  42,311   5.00%
                         
Rhinebeck  Bank                        
Total capital (to risk-weighted assets) $81,222   11.07% $58,694   8.00% $73,368   10.00%
Tier 1 capital (to risk-weighted assets)  74,576   10.16%  44,021   6.00%  58,694   8.00%
Common equity tier one capital (to risk weighted assets)  74,576   10.16%  33,016   4.50%  47,689   6.50%
Tier 1 capital (to average assets)  74,576   8.80%  33,901   4.00%  42,376   5.00%
XML 31 R21.htm IDEA: XBRL DOCUMENT v3.19.2
Fair Value
6 Months Ended
Jun. 30, 2019
Fair Value Disclosures [Abstract]  
Fair Value
13.Fair Value

 

As described in Note 1, the Company uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. A description of the valuation methodologies used for assets and liabilities recorded at fair value and for estimating fair value for financial and non-financial instruments not recorded at fair value, is set forth below.

 

Cash and Due from Banks, Accrued Interest Receivable and Mortgagors' Escrow Accounts

 

The carrying amount is a reasonable estimate of fair value.

 

Available for Sale Securities

 

Where quoted prices are available in an active market for identical securities, securities are classified within Level 1 of the valuation hierarchy. Level 1 securities include marketable equity securities and U.S. Treasury obligations. If quoted prices are not available, then fair values are estimated by using pricing models (i.e., matrix pricing) or quoted prices of securities with similar characteristics and are classified within Level 2 of the valuation hierarchy. Examples of such instruments include government agency bonds, mortgage-backed securities and municipal bonds. The Company does not have any Level 3 securities for which significant unobservable inputs are utilized. Available for sale securities are recorded at fair value on a recurring basis and held to maturity securities are only disclosed at fair value.

 

FHLB Stock

 

The carrying value of FHLB stock approximates fair value based on the redemption provisions of the FHLB.

 

Loans

 

Loans receivable are carried at cost. For variable rate loans which reprice frequently and have no significant change in credit risk, carrying values are a reasonable estimate of fair values, adjusted for credit losses inherent in the portfolios. The fair value of fixed rate loans is estimated by discounting the future cash flows using the year end rates, estimated using local market data, at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities, adjusted for credit losses inherent in the portfolios. The Company does not record loans at fair value on a recurring basis. However, from time to time, nonrecurring fair value adjustments to collateral-dependent impaired loans are recorded to reflect partial write-downs based on the observable market price or current appraised value of collateral. The fair value of loans held for sale is estimated using quoted market prices.

 

Other Real Estate Owned

 

Other real estate owned represents real estate acquired through foreclosure and is carried at the lower of cost or fair value less estimated selling costs. Fair value is based upon independent market prices, appraised values of the collateral or management’s estimation of the value of the collateral. These assets are included as Level 3 fair values, based upon the lowest level of input that is utilized in the fair value measurements.

  

Mortgage Servicing Rights

 

The fair value of mortgage servicing rights is based on a valuation model that calculates the present value of estimated future net servicing income.

 

Deposits

 

Deposit liabilities are carried at cost. The fair value of NOW, savings and money market deposits is the amount payable on demand at the reporting date. The fair value of time certificates of deposit is estimated using a discounted cash flow calculation that applies interest rates currently being offered for deposits of similar remaining maturities estimated using local market data to a schedule of aggregated expected maturities on such deposits.

 

Advances from the FHLB

 

The fair value of the advances is estimated using a discounted cash flow calculation that applies current FHLB interest rates for advances of similar maturity to a schedule of maturities of such advances.

 

Subordinated Debt

 

Based on the floating rate characteristic of these instruments, the carrying value is considered to approximate fair value.

 

Other Borrowings

 

Based on the floating rate characteristic of these instruments, the carrying value is considered to approximate fair value.

 

Off-Balance-Sheet Instruments

 

Fair values for off-balance-sheet lending commitments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties' credit standings. Such amounts are not significant.

  

The following tables detail the assets that are carried at fair value on a recurring basis as of the periods shown and indicate the fair value hierarchy of the valuation techniques utilized by the Company to determine the fair value:

 

     Quoted Prices       
     in Active  Significant  Significant 
     Markets for  Observable  Unobservable 
     Identical Assets  Inputs  Inputs 
  Balance  (Level 1)  (Level 2)  (Level 3) 
  June 30, 2019 
  (unaudited) 
U.S. Treasury securities $-  $-  $-  $- 
U.S. government agency mortgage-backed securities-residential  89,713   -   89,713   - 
U.S. government agency securities  19,847   -   19,847   - 
Municipal securities  1,247   -   1,247   - 
Other  591   -   591   - 
                 
Total $111,398  $-  $111,398  $- 
                 
  December 31, 2018 
U.S. Treasury securities $2,971  $2,971  $-  $- 
U.S. government agency mortgage-backed securities-residential  80,216   -   80,216   - 
U.S. government agency securities  16,468   -   16,468   - 
Municipal securities  1,232   -   1,232   - 
   425   -   425   - 
Total $101,312   2,971  $98,341  $- 

  

The following tables detail the assets carried at fair value and measured at fair value on a nonrecurring basis as of June 30, 2019 and December 31, 2018 and indicate the fair value hierarchy of the valuation techniques utilized by the Company to determine the fair value:

 

     Quoted Prices       
     in Active  Significant  Significant 
     Markets for  Observable  Unobservable 
     Identical Assets  Inputs  Inputs 
  Balance  (Level 1)  (Level 2)  (Level 3) 
  June 30, 2019 
  (unaudited) 
Impaired loans, with specific reserves $196  $-  $-  $196 
Other real estate owned  -   -   -   - 
                 
Total $196  $-  $-  $196 
                 
  December 31, 2018 
Impaired loans, with specific reserves $128  $-  $-  $128 
Other real estate owned  935   -   -   935 
                 
Total $1,063  $-  $-  $1,063 

 

The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which the Company has utilized Level 3 inputs to determine fair value:

 

  Quantitative Information About Level 3 Fair Value Measurements
  Fair Value  Valuation Unobservable Range
  Estimate  Techniques Input (Weighted Average)
  June 30, 2019
 (unaudited)
Impaired loans $196  Appraisal of collateral(1) Appraisal adjustments(2) 0% to 20%
           
Other real estate owned  0  Appraisal of collateral(1) Liquidation expenses(3) 0% to 6%
        Appraisal adjustments(2) 0% to 20%
           
  December 31, 2018
Impaired loans $128  Appraisal of collateral(1) Appraisal adjustments(2) 0% to 20%
           
Other real estate owned  935  Appraisal of collateral(1) Liquidation expenses(3) 0% to 6%
        Appraisal adjustments(2) 0% to 20%

 

(1)Fair value is generally through independent appraisals of the underlying collateral that generally include various level 3 inputs which are not identifiable.
(2)Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range of liquidation expenses and other appraisal adjustments are presented as a percent of the appraised value.
(3)Estimated costs to sell.

  

The Company discloses fair value information about financial instruments, whether or not recognized in the statements of financial condition, for which it is practicable to estimate that value. Certain financial instruments are excluded from disclosure requirements. Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company.

 

The estimated fair value amounts for 2019 and 2018 have been measured as of their respective reporting dates and have not been reevaluated or updated for purposes of these financial statements subsequent to those respective dates. As such, the estimated fair values of these financial instruments subsequent to the respective reporting dates may be different than amounts reported at each year-end.

 

The information presented should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only required for a limited portion of the Company's assets and liabilities. Due to the wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company's disclosures and those of other companies may not be meaningful.

 

As of the following dates, the carrying value and fair values of the Company's financial instruments were:

 

  June 30,  December 31, 
  2019  2018 
  (unaudited)       
  Carrying
Value
  Fair Value  Carrying
Value
  Fair Value 
                 
Financial Assets:                
Cash and due from banks   (Level 2) $11,969  $11,969  $50,590  $50,590 
Available for sale securities (Level 2)  111,398   111,398   101,312   101,312 
FHLB stock (Level 2)  3,355   3,355   1,883   1,883 
Loans, net (Level 3)  737,293   737,182   678,402   674,287 
Accrued interest receivable (Level 2)  2,874   2,874   2,523   2,523 
Mortgage servicing rights (Level 3)  2,203   4,138   2,278   4,667 
                 
Financial Liabilities:                
Deposits (Level 2)  716,858   700,242   684,418   683,163 
Mortgagors escrow accounts (Level 2)  10,400   10,400   7,725   7,725 
FHLB advances (Level 2)  64,541   64,541   31,598   31,598 
Subordinated debt and other borrowings (Level 2)  5,155   5,155   10,155   10,155 
XML 32 R22.htm IDEA: XBRL DOCUMENT v3.19.2
Revenue Recognition
6 Months Ended
Jun. 30, 2019
Revenue Recognition [Abstract]  
Revenue Recognition
14.Revenue Recognition

 

The Company generally fully satisfies its performance obligations on its contracts with customers as services are rendered and the transaction prices are typically fixed; charged either on a periodic basis or based on activity. Because performance obligations are satisfied as services are rendered and the transaction prices are fixed, there is little judgment involved in applying Topic 606 that significantly affects the determination of the amount and timing of revenue from contracts with customers.  The main types of revenue contracts included in non-interest income within the consolidated statements of operations are as follows:

 

·Fees for services to customers include service charges on deposits which are included as liabilities in the consolidated statements of financial condition and consist of transaction-based fees: stop payment fees, Automated Clearing House (ACH) fees, account maintenance fees, wire fees, official check fees and overdraft services fees for various retail and business checking customers. These fees are charged as earned on the day of the transaction or within the month of the service. Service charges on deposits are withdrawn directly from the customer’s account balance. ATM and debit card fees are recognized at the time the transaction is executed as that is the point in time the Company fulfills the customer’s request. Sales of checks to depositors earn fees as a contractual discount to the retail price of the sale from a third-party provider. These fees earned are remitted by the third-party to the Company quarterly.

 

·The Company earns interchange fee income from credit/debit cardholder transactions conducted through MasterCard payment networks.  Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized monthly, concurrently with the transaction processing services provided to the cardholder within the month.

 

·The Company records a gain or loss from the sale of OREO when control of the property transfers to the buyer, which generally occurs at the time of an executed deed; at this time the OREO asset is derecognized and the gain or loss on the sale is recorded. Rental income received from leased OREO property is recognized during the month it is earned.

 

·Retail brokerage and advisory fee income is accrued monthly to properly record the revenues in the month they are earned.  Advisory fees are collected in advance on a quarterly basis.  These advisory fees are recorded in the first month of the quarter for which the service is being performed.  Investments into mutual funds and annuities generate fees that are recorded as revenue at the time of the initial sale. In subsequent years the mutual funds and variable annuities generate recurring fees (referred to as 12B-1 fees) that are paid in advance on the anniversary of the original transaction. Fees that are transaction based are recognized at the point in time that the transaction is executed (i.e. trade date). Life insurance products are sold on a commission basis that generates a fee that is recorded as revenue within the month of the approved transaction.

 

·Other income includes rental income, mortgage origination and service fees and late fees on serviced mortgages. All items are recorded as revenue within the month that the service is provided.
XML 33 R23.htm IDEA: XBRL DOCUMENT v3.19.2
Accumulated Other Comprehensive Loss
6 Months Ended
Jun. 30, 2019
Comprehensive Income (Loss), Net of Tax [Abstract]  
Accumulated Other Comprehensive Loss
15.Accumulated Other Comprehensive Loss

 

The activity in accumulated other comprehensive loss for the three months and six months ended June 30, 2019 and 2018, is as follows:

 

  Accumulated Other Comprehensive Loss (1) 
  Defined
Benefit
Pension Plan
  

Unrealized gains

(losses) on

available for sale

securities

  Total 
Balance at March 31, 2019 (unaudited) $(284) $(5,632) $(5,916)
Other comprehensive (loss) gain before reclassifications  (32)  1,492   1,460 
Amounts reclassified from accumulated other comprehensive loss  70   31   101 
Period change  38   1,523   1,561 
Balance at June 30, 2019  (unaudited) $(246) $(4,109) $(4,355)
             
Balance at March 31, 2018 (unaudited) $(534) $(7,495) $(8,029)
Other comprehensive gain (loss) before reclassifications  650   (335)  315 
Amounts reclassified from accumulated other comprehensive loss  148   -   148 
Period change  798   (335)  463 
Balance at June 30, 2018  (unaudited) $264  $(7,830) $(7,566)
    
  Accumulated Other Comprehensive Loss (1) 
  

Defined

Benefit

Pension Plan

  

Unrealized gains

(losses) on

available for sale

securities

  Total 
Balance at December 31, 2018 $(339) $(6,673) $(7,012)
Other comprehensive (loss) gain before reclassifications  (48)  2,533   2,485 
Amounts reclassified from accumulated other comprehensive loss  141   31   172 
Period change  93   2,564   2,657 
Balance at June 30, 2019  (unaudited) $(246) $(4,109) $(4,355)
             
Balance at December 31, 2017 $(534) $(6,421) $(6,955)
Other comprehensive gain (loss) before reclassifications  650   (1,410)  (760)
Amounts reclassified from accumulated other comprehensive loss  148   1   149 
Period change  798   (1,409)  (611)
Balance at June 30, 2018  (unaudited) $264  $(7,830) $(7,566)

 

(1)All amounts are net of tax. Related income tax expense or benefit is calculated using an income tax rate of 21.0 %.

 

Details about accumulated other comprehensive loss components are as follows:

 

  

Amount Reclassified from

Accumulated Other Comprehensive

Income (Loss) For the Three Months

Ended June 30,

  

Affected Line Item in the Consolidated

Statement of Income

  2019  2018   
  (unaudited)   
Securities available for sale (1):          
Net securities losses reclassified into earnings $(40) $-  Net realized loss on sales and calls of securities
Related income tax benefit  9   -  Provision for income taxes
Net effect on accumulated other other comprehensive loss for the period  (31)  -   
Defined benefit pension plan (2):          
Amortization of net loss and prior service costs  (89)  (187) Salaries and employee benefits
Related income tax benefit  19   39  Provision for income taxes
Net effect on accumulated other other comprehensive loss for the period  (70)  (148)  
Total reclassifications for the period $(101) $(148)  
      
  

Amount Reclassified from

Accumulated Other Comprehensive

Income (Loss) For the Six Months Ended

June 30,

  

Affected Line Item in the Consolidated

Statement of Income

  2019  2018   
  (unaudited)   
Securities available for sale (1):          
Net securities losses reclassified into earnings $(40) $(1) Net realized loss on sales and calls of securities
Related income tax expense  9   -  Provision for income taxes
Net effect on accumulated other other comprehensive loss for the period  (31)  (1)  
Defined benefit pension plan (2):          
Amortization of net loss and prior service costs  (179)  (187) Salaries and employee benefits
Related income tax expense  38   39  Provision for income taxes
Net effect on accumulated other other comprehensive loss for the period  (141)  (148)  
Total reclassifications for the period $(172) $(149)  

 

(1)For additional details related to unrealized gains and losses on securities and related amounts reclassified from accumulated other comprehensive loss see Note 2, “Investment Securities.”
(2)Included in the computation of net periodic pension cost. See Note 9, “Employee Benefits” for additional details.
XML 34 R24.htm IDEA: XBRL DOCUMENT v3.19.2
Earnings Per Share
6 Months Ended
Jun. 30, 2019
Earnings Per Share [Abstract]  
Earnings Per Share
16.Earnings Per Share

 

Basic earnings per share represent income available to common stockholders divided by the weighted-average number of common shares outstanding during the period. Unallocated ESOP shares are not deemed outstanding for earnings per share calculations. There were no potentially dilutive common stock equivalents as of June 30, 2019. Earnings per share data is not applicable for the period ended June 30, 2018 because the Company had not yet been formed and had no shares outstanding.

 

(Dollars in thousands, except for per share data) 

Three months ended

June 30, 2019

  

Six months ended June

30, 2019

 
  (unaudited)  (unaudited) 
Net income applicable to common stock $1,221  $2,132 
         
Average number of common shares outstanding  11,133,290   11,133,290 
Less: Average unallocated ESOP shares  428,243   430,970 
Average number of common shares outstanding used to calculate basic earnings per common share  10,705,047   10,702,320 
         
Earnings per Common share:        
Basic $0.11  $0.20 
Diluted $0.11  $0.20 
XML 35 R25.htm IDEA: XBRL DOCUMENT v3.19.2
Nature of Business and Significant Accounting Policies (Policies)
6 Months Ended
Jun. 30, 2019
Accounting Policies [Abstract]  
Basis of Financial Statements Presentation

Basis of Financial Statements Presentation

 

The consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) and general practices within the banking industry. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities, as of the date of the consolidated statements of financial condition and reported amounts of revenues and expenses for the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the valuation of securities and other real estate owned, the evaluation of investment securities for other-than-temporary impairment, the evaluation of goodwill for impairment, the valuation of deferred tax assets and the determination of pension obligations.

Principles of Consolidation

Principles of Consolidation

 

The accompanying consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary. As a result of the reorganization, the consolidation refers to the Company and the Bank for the periods after January 16, 2019 and Rhinebeck Bancorp, MHC, a New York chartered mutual holding company and the Bank for the periods prior to January 16, 2019. All significant intercompany accounts and transactions have been eliminated in consolidation.

Significant Group Concentrations of Credit Risk

Significant Group Concentrations of Credit Risk

 

Most of the Company’s activities are with customers located in the New York State counties of Dutchess, Ulster, Orange, Columbia, Putnam, and Albany. Although the Company has a diversified loan portfolio, a substantial portion of its customers’ abilities to repay their loans is dependent on the economic conditions in the territories in which the Company operates.

Cash and Cash Equivalents

Cash and Cash Equivalents

 

Cash and due from banks and federal funds sold are recognized as cash equivalents in the consolidated statements of financial condition and cash flows. Federal funds sold generally mature in one day. The Company considers all highly liquid debt instruments purchased with a maturity of six months or less to be cash equivalents.

Investment in Debt and Marketable Equity Securities

Investment in Debt and Marketable Equity Securities

 

Debt securities, if any, that management has the positive intent and ability to hold to maturity are classified as “held to maturity” and are recorded at amortized cost. “Trading” securities, if any, are carried at fair value, with unrealized gains and losses recognized in earnings. Securities not classified as held to maturity or trading, including equity securities with readily determinable fair values, are classified as “available for sale” and are recorded at fair value, with unrealized gains and losses excluded from earnings and reported in accumulated other comprehensive loss, net of taxes. Purchase premiums and discounts are recognized in interest income using the interest method over the maturity terms of the securities. Realized gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method.

 

The Company evaluates securities for other-than temporary impairment on a regular basis. The evaluation considers several factors including the amount of the unrealized loss, the period of time the security has been in a loss position and the credit standing of the issuer. When the Company does not intend to sell the security and it is likely that the Company will not be required to sell the security before recovery of its cost basis, the credit loss determined due to a permanent impairment will be recognized in earnings. The credit loss component recognized is identified as the amount of future principal cash flows not expected to be received over the remaining term of the security as projected based on cash flow estimates discounted at the applicable original yield of the security.

Loans Receivable

Loans Receivable

 

Loans that the Company has the intent and ability to hold for the foreseeable future or until maturity or payoff generally are reported at their outstanding unpaid principal balances adjusted for unearned income, including any allowance for loan losses and any unamortized deferred fees or costs.

 

Interest income is accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and amortized as a level yield adjustment over the respective term of the loan.

 

The accrual of interest on loans is discontinued at the time the loan is 90 days past due. Consumer automobile and installment loans are typically charged off no later than 180 days past due. Past due status is based on contractual terms of the loan. In all cases, loans are placed on non-accrual status or charged-off at an earlier date if collection of principal or interest is considered doubtful.

 

All interest accrued, but not collected, for loans that are placed on non-accrual status or charged off, is reversed against interest income. The interest on these loans is accounted for on the cash-basis method until qualifying for return to accrual status. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.

Allowance for Loan Losses

Allowance for Loan Losses

 

The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management determines all or part of the loan balance is uncollectible. Subsequent recoveries, if any, are credited to the allowance.

 

The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the size and composition of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.

 

The allowance calculation methodology involves segregation of the total loan portfolio into segments. The Company’s loans receivable portfolio is comprised of the following segments: commercial real estate, residential real estate, commercial and industrial and consumer. The segments of the Company’s loans receivable portfolio are further disaggregated into classes based on identified associated risks within those segments. This allows management to better monitor risk and performance.

 

Commercial real estate loans are separated into two classes: non-residential and multi-family. Non-residential and multi-family loans include long-term loans financing commercial properties and include both owner and non-owner occupied properties. Construction loans, which include land loans, are comprised mostly of non-owner occupied projects, whereby the property is generally under development and tends to have more risk than the owner occupied loans. The Company grants loans for the construction of residential homes, residential developments and land development projects. Repayment of these loans is mostly dependent upon either the ongoing cash flows of the borrowing entity or the resale or lease of the subject property.

 

Residential real estate loans are secured by the borrower’s residential real estate generally in a first lien position. Residential mortgages have varying loan interest rates depending on the financial condition of the borrower, the loan to value ratio and the term of the loan.

 

The commercial and industrial loan segment consists of loans made for purposes of financing the activities of commercial customers. The assets financed through commercial and industrial loans are used within the business for its ongoing operations. Repayment of commercial and industrial loans predominately comes from the cash flows of the business or the ongoing operations of assets.

 

Consumer loans are classified into the following three classes: indirect automobile loans, home equity loans and other consumer loans. Indirect automobile loans are secured by the borrowers’ automobiles and originated through the Company’s relationships with the automobile dealers in the various counties in the Company’s service area. Home equity loans are secured by the borrower’s residential real estate in a first or second lien position. Other direct consumer loans may be unsecured.

  

 

The Company has established credit policies applicable to each type of lending activity in which it engages. The Company evaluates the creditworthiness of each customer and, in most cases, extends credit of up to 80% of the market value of the collateral at the date of the credit extension. The Company’s credit policies determine advance rates against the different forms of collateral that can be pledged against commercial and industrial, commercial and residential real estate and consumer loans. Typically, the majority of loans will be limited to a percentage of their underlying collateral values such as real estate values, automobiles, equipment, eligible accounts receivable and inventory. Individual loan advance rates may be higher or lower depending upon the financial strength of the borrower, past experience with the borrower, the nature of the collateral, competitive offerings and/or the term of the loan.

 

 

The market value of collateral is monitored on an ongoing basis and additional collateral may be obtained when warranted. While collateral provides some assurance as a secondary source of repayment, the Company ordinarily requires the primary source of repayment to be based on the borrower's ability to generate continuing sufficient cash flows. The Company's policy for collateral requires that, generally, the amount of the loan may not exceed 90% of the original appraised value of the property. Private mortgage insurance is usually required for that portion of the loan in excess of 80% of the appraised value of the property.

 

The allowance calculation methodology includes further segregation of loan classes into risk rating categories. The borrower’s overall financial condition, repayment sources, guarantors and value of collateral, if appropriate, are evaluated at least quarterly or when credit deficiencies arise, such as when loan payments are delinquent. Credit quality risk ratings include regulatory classifications of “special mention”, “substandard”, “doubtful” and “loss”. Loans classified as special mention have potential weaknesses that deserve management’s close attention. If uncorrected, the potential weaknesses may result in deterioration of the repayment prospects. Loans classified as substandard have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They include loans that are inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans classified as doubtful have all the weaknesses inherent in loans classified as substandard with the added characteristic that collection or liquidation in full, on the basis of current conditions and facts, is highly improbable. Loans classified as a loss are considered uncollectible and are charged to the allowance for loan losses. Loans not classified are rated “pass”.

 

The allowance consists of specific and general components. The specific component relates to loans that are considered impaired. For such impaired loans, an allowance is established when the discounted cash flows (or observable market price or collateral value if the loan is collateral dependent) of the impaired loan is lower than the carrying value of that loan. The general component covers all other loans, segregated generally by loan type and is based on historical loss experience with adjustments for qualitative factors which are made after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss data.

 

These qualitative risk factors generally include:

 

1.Lending policies and procedures, including underwriting standards and collection, charge-off and recovery practices.

 

2.National, regional and local economic and business conditions as well as the condition of various market segments, including the value of underlying collateral for collateral dependent loans.

  

3.Size and composition of the portfolio and the terms of loans.

 

4.Volume and severity of past due, classified and non-accrual loans as well as loan modifications.

 

5.Existence and effect of any concentrations of credit and changes in the level of such concentrations.

 

6.Effect of external factors, such as competition and legal and regulatory requirements.

 

A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls are not necessarily classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis for commercial and real estate loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent. The estimated fair values of substantially all of the Company’s impaired loans are measured based on the estimated fair value of the loans’ collateral.

 

For loans secured by real estate, estimated fair values are determined primarily through third-party appraisals. When a real estate secured loan becomes impaired, a decision is made regarding whether an updated certified appraisal of the real estate is necessary. This decision is based on various considerations, including the size of the loan, age of the most recent appraisal, the loan-to-value ratio based on the original appraisal and the condition of the property. Appraised values are discounted for expected sales costs to arrive at the estimated recognizable value of the collateral, which is considered to be the estimated fair value. The recorded investment in consumer mortgages and loans secured by residential real estate properties for which formal foreclosure proceedings are in process was $687 and $526 at June 30, 2019 and December 31, 2018, respectively.

 

For loans secured by non-real estate collateral, such as accounts receivable, inventory and equipment, estimated fair values are determined based on the borrower’s financial statements, inventory reports, accounts receivable aging or equipment appraisals or invoices. Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets.

 

The evaluation of the need and amount of the allowance for impaired loans and whether a loan can be removed from impairment status is made on a quarterly basis. The Company’s policy for recognizing interest income on impaired loans does not differ from its overall policy for interest recognition.

 

The Company may grant a concession or modification for economic or legal reasons related to a borrower's financial condition that it would not otherwise consider resulting in a modified loan which is then identified as a troubled debt restructuring (“TDR”). These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. Loan modifications are intended to minimize the economic loss and to avoid foreclosure or repossession of the collateral. TDRs are considered impaired loans for purposes of calculating the Company's allowance for loan losses.

  

The Company identifies loans for potential restructure primarily through direct communication with the borrower and evaluation of the borrower's financial statements, revenue projections, tax returns and credit reports. Even if the borrower is not presently in default, management will consider the likelihood that cash flow shortages, adverse economic conditions, negative trends, or specific conditions may result in a payment default in the near future.

 

Regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses and may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination, which may not be currently available to management. Based on management’s comprehensive analysis of the loan portfolio, management believes the current level of the allowance for loan losses is adequate.

Loans Held for Sale

Loans Held for Sale

 

Loans held for sale are those loans the Company has the intent to sell in the foreseeable future and are carried at the lower of aggregate cost or market value, with valuation changes recorded in noninterest income. Gains and losses on sales of loans are recognized at the trade dates and are determined by the difference between the sales proceeds and the carrying value of the loans. Mortgage loans held for sale are generally sold with the mortgage servicing rights retained by the Company.

Transfers of Financial Assets

Transfers of Financial Assets

 

Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company – put presumptively beyond the reach of the transferor and its creditors, even in bankruptcy or other receivership, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the transferor does not maintain effective control over the transferred assets through either (a) an agreement that both entitles and obligates the transferor to repurchase or redeem the assets before maturity or (b) the ability to unilaterally cause the holder to return specific assets, other than through a cleanup call.

Mortgage Servicing Assets

Mortgage Servicing Assets

 

Mortgage servicing assets are recognized as separate assets developed through the sale of mortgages. Servicing rights are initially recorded at fair value with the income statement effect recorded in gain or loss on sales of loans. Fair value is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost to service, the discount rate, the custodial earnings rate, an inflation rate, ancillary income, prepayment speeds and default rates and losses. Capitalized servicing rights are reported in other assets and are amortized into noninterest income in proportion to and over the period of the estimated future net servicing income of the underlying financial assets.

  

Servicing assets are evaluated for impairment based upon the fair value of the rights as compared to amortized cost. Impairment is recognized through a valuation allowance and charged to noninterest income, to the extent that fair value is less than the capitalized amount. If the Company later determines that all or a portion of the impairment no longer exists, a reduction of the allowance may be recorded as an increase to income.

Other Real Estate Owned

Other Real Estate Owned

 

Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in operations. Costs relating to the development and improvement of the property are capitalized, subject to the resulting limit of fair value of the collateral. Gains or losses are included in operations upon disposal. Other real estate owned (“OREO”) included $935 and $935 of residential real estate and $643 and $750 of commercial property at June 30, 2019 and December 31, 2018, respectively.

Premises and Equipment

Premises and Equipment

 

Premises and equipment are stated at cost, net of accumulated depreciation and amortization. Depreciation is charged to operations using the straight-line method over the estimated useful lives of the related assets. Rent expense is charged to operations over the expected lease term using the straight-line method. Leasehold improvements are amortized over the shorter of the improvements' estimated economic lives or the related lease terms. Gains and losses on dispositions are recognized upon realization. Maintenance and repairs are expensed as incurred and improvements are capitalized.

Bank-Owned Life Insurance

Bank-Owned Life Insurance

 

The Company purchased bank owned life insurance (“BOLI”) on a chosen group of employees and trustees. The Company is the owner and sole beneficiary of the policies. Earnings from BOLI are recognized as part of noninterest income. BOLI is carried at cash surrender value. Death benefit proceeds received in excess of the policies cash surrender values are recognized in income upon receipt. The Company does not intend to surrender these policies and, accordingly, no deferred taxes have been provided.

Goodwill and Amortizable Intangible Assets

Goodwill and Amortizable Intangible Assets

 

The excess of the purchase price of an acquisition over the net fair value of the identifiable tangible and intangible assets and liabilities is assigned to goodwill. Goodwill is not amortizable, but is subject to at least an annual assessment, or more frequently in the presence of certain circumstances, for impairment.

 

Other intangible assets are stated at cost, less accumulated amortization and consist of purchased customer accounts. Purchased customer accounts primarily consist of records and files that contain information about investment holdings. These assets are amortized on a straight-line basis over the related estimated lives of 13 years and 4 months. In the presence of certain circumstances, intangible assets may be assessed for impairment as well. Impairment exists when carrying value exceeds its fair value. In such circumstances a charge for the relevant impairment is recognized and the net book value is reduced to the appropriate value.

Income taxes

Income Taxes

 

The Company recognizes income taxes under the asset and liability method. Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that all or some portion of the deferred tax assets will not be realized.

 

When tax returns are filed, it is highly expected that most positions taken would be sustained upon examination by the taxing authorities, while others may be subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the consolidated financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more-likely-than-not recognition threshold are measured as the largest amount of tax benefit that is more than 50% likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits along with any associated interest and penalties that would be payable to the taxing authorities upon examination. The Company had no liabilities for uncertain tax positions at June 30, 2019 and December 31, 2018.

 

Interest and penalties associated with unrecognized tax benefits, if any, would be classified as an additional provision for income taxes in the consolidated statements of income.

Comprehensive Income or Loss

Comprehensive Income or Loss

 

GAAP requires that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities and the net actuarial gain or loss of the defined benefit pension plan, are reported as a separate component of the stockholders’ equity section of the consolidated statements of financial condition, such items, along with net income, are components of comprehensive income or loss.

Fair Value

Fair Value

 

The Company uses fair value measurements to record fair value adjustments to certain assets and to determine fair value disclosures. Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in certain instances, there are no quoted market prices for certain assets or liabilities. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the asset or liability.

  

Fair value measurements focus on exit prices in an orderly transaction (that is, not a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions. If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques may be appropriate. In such instances, determining the price at which willing market participants would transact at the measurement date under current market conditions depends on the facts and circumstances and requires the use of significant judgment.

 

The Company's fair value measurements are classified into a fair value hierarchy based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. The three categories within the hierarchy are as follows:

 

 Level 1Quoted prices in active markets for identical assets and liabilities.
   
 Level 2Observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities in active markets, quoted prices in markets that are not active; and model-based valuation techniques for which all significant inputs are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities.
   
 Level 3Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation.
Reclassifications

Reclassifications

 

Certain amounts in the prior year consolidated financial statements have been reclassified to conform to the current year’s presentation.

Impact of Recent Accounting Pronouncements

Impact of Recent Accounting Pronouncements

 

Effective January 1, 2018, the Company adopted Accounting Standards Update (“ASU”) No. 2014-09, “Revenue from Contracts with Customers (Topic 606)”. ASU No. 2014-09 establishes principles for recognizing revenue upon the transfer of promised goods or services to customers, in an amount that reflects the expected consideration received in exchange for those goods or services. The Company used the modified retrospective method for transition with the cumulative effect recognized as of the date of initial application with no restatement of prior periods. The adoption did not have a material effect on the Company’s financial statements as the recognition of interest income has been scoped out of the guidance and noninterest income recognition is similar to current revenue recognition practices. See Note 14 for additional information related to the adoption of ASU No. 2014-09.

  

In February 2016, the Financial Accounting Standards Board (“FASB”) issued ASU 2016-02 “Leases (Topic 842).” This standard requires entities that lease assets to recognize on the balance sheet the assets and liabilities for the rights and obligations created by those leases. The standard is effective for fiscal years and interim periods within those fiscal years beginning after December 15, 2018 for public companies, but the Company will have until the first quarter of 2020 to adopt due to its emerging growth company status. The guidance is required to be applied by the modified retrospective transition approach. Early adoption is permitted. We are currently assessing the impact of the adoption of this authoritative guidance on our consolidated financial statements and collecting the data necessary for that assessment and adoption.

 

In June 2016, the FASB issued ASU No. 2016-13 on “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments”. This ASU requires credit losses on most financial assets be measured at amortized cost and certain other instruments to be measured using an expected credit loss model (referred to as the current expected credit loss (“CECL”) model). Under this model, entities will estimate credit losses over the entire contractual term of the instrument (considering estimated prepayments, but not expected extensions or modifications unless reasonable expectation of a troubled debt restructuring exists) from the date of initial recognition of that instrument. The measurement of expected credit losses is based upon relevant information about past events, including historical experience, current conditions and reasonable and supportable forecasts that affect the collectability of the reported amount. On July 17, 2019, the FASB voted to propose a delay for conversion to the CECL methodology to January 2023 for all companies other than large SEC filers; although early adoption is permitted in 2019. The Company is currently assessing the effect that ASU No. 2016-13 will have on its consolidated financial statements.

 

Effective January 1, 2019, the Company adopted ASU No. 2018-07, “Compensation- Stock Compensation (Topic 718): Improvements to Nonemployee Share-Based Payment Accounting”. This update expands the scope of Topic 718 to include share-based payment transactions for acquiring goods and services from nonemployees. As a result, nonemployee share-based payment awards will be measured at the grant-date fair value of the equity instruments that an entity is obligated to issue when the service has been rendered, subject to the probability of satisfying performance conditions when applicable. The Company has not and does not expect to engage in this type of compensation practice, and therefore this update did not and likely will not, have an effect on the Company.

Emerging Growth Company Status

Emerging Growth Company Status

 

As an emerging growth company, the Company may delay adoption of new or revised financial accounting standards until such date that the standards are required to be adopted by non-issuer companies. If such standards would not apply to non-issuer companies, no deferral would be applicable. The Company intends to take advantage of the benefits of the extended transition periods allowed under the Jumpstart Our Business Startups Act.

 

Accordingly, the Company's consolidated financial statements may not be comparable to those of public companies that adopt new or revised financial accounting standards as of an earlier date. The effective dates of the recent accounting standards reflect those that relate to non-issuer companies.

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Investment Securities (Tables)
6 Months Ended
Jun. 30, 2019
Debt Securities, Available-for-sale [Line Items]  
Schedule of amortized cost, gross unrealized gains and losses and fair values of available for sale securities
  June 30, 2019 
  Amortized Cost  Gross Unrealized
Gains
  Gross Unrealized
Losses
  Fair Value 
  (unaudited) 
U.S. Treasury securities $-  $-  $-  $- 
U.S. government agency mortgage-backed securities-residential  89,707   592   (586)  89,713 
U.S. government agency securities  19,935   29   (117)  19,847 
Municipal securities ¹  1,229   18   -   1,247 
Other  542   49   -   591 
Total $111,413  $688  $(703) $111,398 
                 
  December 31, 2018 
                 
U.S. Treasury securities $3,036  $-  $(65) $2,971 
U.S. government agency mortgage-backed securities-residential  82,965   8   (2,757)  80,216 
U.S. government agency securities  16,919   -   (451)  16,468 
Municipal securities ¹  1,228   4   -   1,232 
Other  425   -   -   425 
Total $104,573  $12  $(3,273) $101,312 

 

¹ The issuers of municipal securities are all within New York State.

Schedule of gross unrealized losses and fair value, securities in continuous unrealized loss position
  Less Than 12 Months  12 Months or Longer  Total 
  Fair Value  Unrealized
Losses
  Fair Value  Unrealized
Losses
  Fair Value  Unrealized
Losses
 
        June 30, 2019       
  (unaudited) 
U.S. Treasury securities $-  $-  $-  $-  $-  $- 
U.S. government agency mortgage-backed securities-residential  -   -   40,967   (586)  40,967   (586)
U.S. government agency securities  -   -   12,820   (117)  12,820   (117)
Total $-  $-  $53,787  $(703) $53,787  $(703)
                         
  December 31, 2018 
U.S. Treasury securities $-  $-  $2,971  $(65) $2,971  $(65)
U.S. government agency mortgage-backed securities-residential  1,669   (4)  76,586   (2,753)  78,255   (2,757)
U.S. government agency securities  0   0   16,468   (451)  16,468   (451)
Total $1,669  $(4) $96,025  $(3,269) $97,694  $(3,273)
Schedule of maturities of debt securities
  June 30, 2019  December 31, 2018 
  Amortized Cost  Fair Value  Amortized Cost  Fair Value 
  (unaudited)       
Maturity:                
Within 1 year $1,221  $1,217  $1,221  $1,210 
After 1 but within 5 years  14,186   14,074   17,253   16,780 
After 5 but within 10 years  5,557   5,603   1,975   1,945 
After 10 years  200   200   734   736 
Total Maturities  21,164   21,094   21,183   20,671 
                 
Mortgage-backed securities  89,707   89,713   82,965   80,216 
Other  542   591   425   425 
                 
Total $111,413  $111,398  $104,573  $101,312 
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Loans and allowance for loan losses (Tables)
6 Months Ended
Jun. 30, 2019
Receivables [Abstract]  
Schedule of summary loan portfolio
  June 30,  December 31, 
  2019  2018 
  (unaudited)    
Commercial real estate loans:        
Construction $13,357  $12,870 
Non-residential  207,027   197,499 
Multi-family  18,779   12,661 
Residential real estate loans  39,959   43,534 
Commercial and industrial loans  89,473   83,203 
Consumer loans:        
Indirect automobile  338,367   297,144 
Home equity  18,591   19,269 
Other consumer  10,312   10,826 
         
Total gross loans  735,865   677,006 
         
Net deferred loan costs  9,286   8,042 
Allowance for loan losses  (7,858)  (6,646)
         
Total net loans $737,293  $678,402 
Schedule of loans by risk rating and portfolio segment
  June 30, 2019 
     Special          
  Pass  Mention  Substandard  Doubtful  Total 
  (unaudited) 
Commercial real estate:                    
Construction $13,357  $-  $-  $-  $13,357 
Non-residential  197,330   6,495   3,202   -   207,027 
Multifamily  18,394   -   385   -   18,779 
Residential real estate  37,263   -   -   2,696   39,959 
Commercial and industrial  87,853   659   921   40   89,473 
Consumer:                    
Indirect automobile  337,777   -   -   590   338,367 
Home equity  18,127   -   -   464   18,591 
Other consumer  10,272   -   -   40   10,312 
                     
Total $720,373  $7,154  $4,508  $3,830  $735,865 

 

  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 real estate  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
  June 30, 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 $13,357  $-  $-  $-  $13,357  $- 
Non-residential  204,559   241   173   2,054   207,027   2,054 
Multifamily  18,420   -   359   -   18,779   - 
Residential real estate  37,993   889   -   1,077   39,959   2,696 
Commercial and industrial  88,942   68   423   40   89,473   306 
Consumer:                        
Indirect automobile  332,384   4,520   896   567   338,367   590 
Home equity  18,039   186   -   366   18,591   463 
Other consumer  10,061   165   45   41   10,312   41 
                         
Total $723,755  $6,069  $1,896  $4,145  $735,865  $6,150 

 

  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 real estate  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
  June 30, 2019 
  Recorded
Investment
  Unpaid
Principal
Balance
  Related
Allowance
  Average
Recorded
Investment
 
  (unaudited) 
With no related allowance recorded:                
Commercial real estate:                
Construction $-  $-  $-  $- 
Non-residential  2,054   2,094   -   2,281 
Multifamily  -   -   -   - 
Residential real estate  2,696   3,162   -   2,490 
Commercial and industrial  266   401   -   282 
Consumer:                
Indirect automobile  353   395   -   313 
Home equity  464   481   -   331 
Other consumer  -   -   -   5 
                 
Total $5,833  $6,533  $-  $5,702 
                 
With an allowance recorded:                
Commercial real estate:                
Construction $-  $-  $-  $- 
Non-residential  -   -   -   - 
Multifamily  -   -   -   - 
Residential real estate  -   -   -   - 
Commercial and industrial  40   40   40   20 
Consumer:              - 
Indirect automobile  237   265   69   208 
Home equity  -   -   -   - 
Other consumer  40   41   12   20 
                 
Total $317  $346  $121  $248 
                 
Total:                
Commercial real estate:                
Construction $-  $-  $-  $- 
Non-residential  2,054   2,094   -   2,281 
Multifamily  -   -   -   - 
Residential real estate  2,696   3,162   -   2,490 
Commercial and industrial  306   441   40   302 
Consumer:                
Indirect automobile  590   660   69   521 
Home equity  464   481   -   331 
Other consumer  40   41   12   25 
                 
Total $6,150  $6,879  $121  $5,950 

 

  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 real estate  2,285   2,841   -   2,235 
Commercial and industrial  297   421   -   758 
Consumer:                
Indirect automobile  274   320   -   242 
Home equity  198   211   -   158 
Other consumer  10   10   -   5 
                 
Total $5,571  $6,404  $-  $6,984 
                 
With an allowance recorded:                
Commercial real estate:                
Construction $-  $-  $-  $- 
Non-residential  -   -   -   451 
Multifamily  -   -   -   - 
Residential real estate  -   -   -   - 
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 real estate  2,285   2,841   -   2,235 
Commercial and industrial  297   421   -   767 
Consumer:                
Indirect automobile  452   511   50   447 
Home equity  198   211   -   158 
Other consumer  10   10   -   7 
                 
Total $5,749  $6,595  $50  $7,651 
Schedule of loan balances by segment
  Commercial
Real Estate
  Residential
Real Estate
  Commercial and
Industrial
  Indirect  Consumer  Totals 
  Three months ended June 30, 2019 
  (unaudited) 
Allowance for loan losses:                        
Beginning balance $1,159  $286  $1,575  $3,380  $783  $7,183 
Provision for loan losses  93   17   327   329   14   780 
Loans charged-off  -   -   (7)  (424)  (9)  (440)
Recoveries  -   2   -   321   12   335 
Ending balance $1,252  $305  $1,895  $3,606  $800  $7,858 
    
  Six months ended June 30, 2019 
  (unaudited) 
Allowance for loan losses:                        
Beginning balance $1,080  $320  $1,542  $2,915  $789  $6,646 
Provision (credit) for loan losses  172   (18)  364   1,032   10   1,560 
Loans charged-off  -   -   (12)  (919)  (15)  (946)
Recoveries  -   3   1   578   16   598 
Ending balance $1,252  $305  $1,895  $3,606  $800  $7,858 
Ending balance:                        
Individually evaluated for impairment $-  $-  $41  $69  $11  $121 
Collectively evaluated for impairment $1,252  $305  $1,854  $3,537  $789  $7,737 
Loan receivables:                        
Ending balance $239,163  $39,959  $89,473  $338,367  $28,903  $735,865 
Ending balance:                        
Individually evaluated for impairment $2,054  $2,696  $307  $590  $503  $6,150 
Collectively evaluated for impairment $237,109  $37,263  $89,166  $337,777  $28,400  $729,715 

  

  Commercial
Real Estate
  Residential
Real Estate
  Commercial and
Industrial
  Indirect  Consumer  Totals 
  Three months ended June 30, 2018 
  (unaudited) 
Allowance for loan losses:                        
Beginning balance $897  $462  $950  $2,577  $734  $5,620 
Provision for loan losses  50   49   131   247   48   525 
Loans charged-off  -   -   (9)  (362)  (10)  (381)
Recoveries  -   2   10   159   4   175 
Ending balance $947  $513  $1,082  $2,621  $776  $5,939 
    
  Six months ended June 30, 2018 
  (unaudited) 
Allowance for loan losses:                        
Beginning balance $1,305  $455  $879  $2,150  $668  $5,457 
(Credit) provision for loan losses  (55)  55   118   817   115   1,050 
Loans charged-off  (303)  -   (28)  (735)  (18)  (1,084)
Recoveries  -   3   113   389   11   516 
Ending balance $947  $513  $1,082  $2,621  $776  $5,939 
Ending balance:                        
Individually evaluated for impairment $-  $-  $-  $61  $-  $61 
Collectively evaluated for impairment $947  $513  $1,082  $2,560  $776  $5,878 
                         
Loan receivables:                        
Ending balance $220,697  $43,736  $75,612  $250,217  $30,329  $620,591 
Ending balance:                        
Individually evaluated for impairment $5,874  $2,483  $1,211  $325  $273  $10,166 
Collectively evaluated for impairment $214,823  $41,253  $74,401  $249,892  $30,056  $610,425 
                   
  Commercial
Real Estate
  Residential
Real Estate
  Commercial and
Industrial
  Indirect  Consumer  Totals 
  Year ended December 31, 2018 
Allowance for loan losses:                        
Beginning balance $1,305  $455  $879  $2,150  $668  $5,457 
(Credit) provision 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 
XML 38 R28.htm IDEA: XBRL DOCUMENT v3.19.2
Premises and Equipment (Tables)
6 Months Ended
Jun. 30, 2019
Property, Plant and Equipment [Abstract]  
Schedule of premises and equipment
  June 30,  December 31, 
  2019  2018 
  (unaudited)    
Land $3,536  $3,536 
Buildings and improvements  23,585   23,534 
Furniture, fixtures and equipment  11,948   11,708 
Construction in process  211   51 
         
Total  39,280   38,829 
         
Less accumulated depreciation  (22,434)  (21,789)
         
Net $16,846  $17,040 
XML 39 R29.htm IDEA: XBRL DOCUMENT v3.19.2
Goodwill (Tables)
6 Months Ended
Jun. 30, 2019
Goodwill, Impaired [Abstract]  
Schedule of changes in the carrying value of goodwill
RAM Six Months
Ended June 30,
2019
  Year Ended
December 31,
2018
 
  (unaudited)    
Beginning balance $1,410  $1,505 
Impairment  -   (95)
         
Ending balance $1,410  $1,410 
         
Accumulated impairment $1,116  $1,116 
XML 40 R30.htm IDEA: XBRL DOCUMENT v3.19.2
Intangible Assets (Tables)
6 Months Ended
Jun. 30, 2019
Intangible Assets, Net (Excluding Goodwill) [Abstract]  
Schedule of changes in the carrying value of customer list intangible
RAM Six Months
Ended June 30,
2019
  Year Ended
December 31,
2018
 
  (Unaudited)    
Beginning balance $284  $326 
Amortization  (22)  (42)
         
Ending balance $262  $284 
Accumulated amortization and impairment $685  $663 
Schedule of future amortization expense for amortizable intangible assets
2019 $22 
2020  42 
2021  42 
2022  42 
2023  42 
Thereafter       72 
Total $262 
XML 41 R31.htm IDEA: XBRL DOCUMENT v3.19.2
Deposits (Tables)
6 Months Ended
Jun. 30, 2019
Deposits [Abstract]  
Schedule of deposits
  June 30,  December 31, 
  2019  2018 
  (unaudited)    
Noninterest bearing demand deposits $152,705  $171,829 
         
Interest bearing accounts:        
NOW  103,089   99,715 
Savings  120,814   126,822 
Money market  147,070   130,356 
Time certificates of deposit  193,180   155,696 
         
 Total interest bearing accounts  564,153   512,589 
         
Total deposits $716,858  $684,418 
Schedule of contractual maturities of time certificates of deposit
       June 30,       
  2019 
  (unaudited) 
Within 1 year $123,381 
1 - 2 years  47,812 
2 - 3 years  12,875 
3 - 4 years  3,027 
4 - 5 years  6,085 
Total $193,180 
XML 42 R32.htm IDEA: XBRL DOCUMENT v3.19.2
Long-Term Debt and FHLB Stock (Tables)
6 Months Ended
Jun. 30, 2019
Debt Disclosure [Abstract]  
Schedule of outstanding principal amounts and related terms of FHLBNY borrowings
Term Principal  Maturity Rate  Due in one year  Long term 
2 year amortizing $2,535  May 15, 2020  2.78% $2,535  $- 
2 year amortizing  2,743  June 8, 2020  2.76%  2,743   - 
2 year amortizing  10,000  May 17, 2021  2.53%  4,937   5,063 
2 year bullet  10,000  May 17, 2021  2.46%  -   10,000 
3 year amortizing  6,763  May 17, 2021  2.92%  3,332   3,431 
3 year amortizing  10,000  May 16, 2022  2.49%  3,251   6,749 
3 year bullet  10,000  May 16, 2022  2.44%  -   10,000 
Total $52,041  Weighted Average Rate  2.57% $16,798  $35,243 
XML 43 R33.htm IDEA: XBRL DOCUMENT v3.19.2
Employee Benefits (Tables)
6 Months Ended
Jun. 30, 2019
Employee Benefits and Share-based Compensation, Noncash [Abstract]  
Schedule of plan's funded status and amounts recognized in consolidated statement of financial condition
  Six months
ended June 30,
  Year ended
December 31,
 
  2019  2018 
  (unaudited)    
Projected and accumulated benefit obligation $(20,390) $(18,241)
Plan assets at fair value  19,608   17,459 
Funded status included in other liabilities $(782) $(782)
Schedule of net periodic pension (benefit) cost and amounts recognized in other comprehensive income (loss)
  Six months ended
June 30,
  Year ended
December 31,
 
  2019  2018 
  (unaudited)    
Interest cost $370  $689 
Expected return on plan assets  (470)  (1,074)
Amortization of unrecognized loss  219   374 
Net periodic cost (benefit) $119  $(11)
Schedule of fair value of pension plan assets, by fair value hierarchy
  June 30, 2019 
  Level 1  Level 2  Level 3  Total 
  (unaudited) 
Assets:                
Investment in separate accounts                
Fixed income $-  $15,169  $-  $15,169 
Equity  -   4,439   -   4,439 
Total assets at fair value $-  $19,608  $-  $19,608 

 

  December 31, 2018 
  Level 1  Level 2  Level 3  Total 
Assets:                
Investment in separate accounts                
Fixed income $-  $13,638  $-  $13,638 
Equity  -   3,821   -   3,821 
Total assets at fair value $-  $17,459  $-  $17,459 
Schedule of employee stock ownership plan
  June 30, 2019 
Allocated  - 
Committed to be allocated  10,910 
Unallocated  425,515 
Total shares  436,425 
XML 44 R34.htm IDEA: XBRL DOCUMENT v3.19.2
Commitments and Contingencies (Tables)
6 Months Ended
Jun. 30, 2019
Commitments and Contingencies Disclosure [Abstract]  
Schedule of future minimum rental commitments under the terms of these lease
Years ending December 31:   
2019 $       337 
2020  641 
2021  564 
2022  509 
2023  486 
2024 and beyond  477 
     
Total $3,014 
XML 45 R35.htm IDEA: XBRL DOCUMENT v3.19.2
Financial Instruments with Off-Balance-Sheet Risk (Tables)
6 Months Ended
Jun. 30, 2019
Financial Instruments With Off-Balance-Sheet Risk [Abstract]  
Schedule of contract amounts represent off-balance sheet credit risk
  June 30,  December 31, 
  2019  2018 
  (unaudited)    
Commitments to extend credit summarized as follows:        
Future loan commitments $3,910  $3,157 
Undisbursed construction loans  11,188   16,289 
Undisbursed home equity lines of credit  9,716   9,532 
Undisbursed commercial and other line of credit  52,402   50,773 
Standby letters of credit  2,922   1,785 
Total $80,138  $81,536 
XML 46 R36.htm IDEA: XBRL DOCUMENT v3.19.2
Regulatory Matters (Tables)
6 Months Ended
Jun. 30, 2019
Banking and Thrift [Abstract]  
Schedule of actual capital amounts and ratios
  Actual  For Capital
Adequacy Purposes
  To be Well
Capitalized under
Prompt Corrective
Action Provisions
 
  Amount  Ratio  Amount  Ratio  Amount  Ratio 
  June 30, 2019 
  (unaudited) 
Rhinebeck Bancorp, Inc.                        
Total capital (to risk-weighted assets) $116,098   14.69% $63,232   8.00% $79,039   10.00%
Tier 1 capital (to risk-weighted assets)  108,240   13.69%  47,424   6.00%  63,232   8.00%
Common equity tier one capital (to risk weighted assets)  108,240   13.69%  35,568   4.50%  51,376   6.50%
Tier 1 capital (to average assets)  108,240   11.92%  36,319   4.00%  45,398   5.00%
                         
Rhinebeck  Bank                        
Total capital (to risk-weighted assets) $107,591   13.62% $63,219   8.00% $79,024   10.00%
Tier 1 capital (to risk-weighted assets)  99,733   12.62%  47,414   6.00%  63,219   8.00%
Common equity tier one capital (to risk weighted assets)  99,733   12.62%  35,561   4.50%  51,366   6.50%
Tier 1 capital (to average assets)  99,733   11.04%  36,149   4.00%  45,186   5.00%
                         
  December 31, 2018  
Rhinebeck Bancorp, MHC                        
Total capital (to risk-weighted assets) $71,243   9.71% $58,707   8.00% $73,383   10.00%
Tier 1 capital (to risk-weighted assets)  64,597   8.80%  44,030   6.00%  58,707   8.00%
Common equity tier one capital (to risk weighted assets)  64,597   8.80%  33,023   4.50%  47,699   6.50%
Tier 1 capital (to average assets)  64,597   7.63%  33,849   4.00%  42,311   5.00%
                         
Rhinebeck  Bank                        
Total capital (to risk-weighted assets) $81,222   11.07% $58,694   8.00% $73,368   10.00%
Tier 1 capital (to risk-weighted assets)  74,576   10.16%  44,021   6.00%  58,694   8.00%
Common equity tier one capital (to risk weighted assets)  74,576   10.16%  33,016   4.50%  47,689   6.50%
Tier 1 capital (to average assets)  74,576   8.80%  33,901   4.00%  42,376   5.00%
XML 47 R37.htm IDEA: XBRL DOCUMENT v3.19.2
Fair Value (Tables)
6 Months Ended
Jun. 30, 2019
Fair Value Disclosures [Abstract]  
Schedule of assets carried at fair value on a recurring basis
     Quoted Prices       
     in Active  Significant  Significant 
     Markets for  Observable  Unobservable 
     Identical Assets  Inputs  Inputs 
  Balance  (Level 1)  (Level 2)  (Level 3) 
  June 30, 2019 
  (unaudited) 
U.S. Treasury securities $-  $-  $-  $- 
U.S. government agency mortgage-backed securities-residential  89,713   -   89,713   - 
U.S. government agency securities  19,847   -   19,847   - 
Municipal securities  1,247   -   1,247   - 
Other  591   -   591   - 
                 
Total $111,398  $-  $111,398  $- 
                 
  December 31, 2018 
U.S. Treasury securities $2,971  $2,971  $-  $- 
U.S. government agency mortgage-backed securities-residential  80,216   -   80,216   - 
U.S. government agency securities  16,468   -   16,468   - 
Municipal securities  1,232   -   1,232   - 
   425   -   425   - 
Total $101,312   2,971  $98,341  $- 
Schedule of assets carried at fair value and measured at fair value on a nonrecurring basis
     Quoted Prices       
     in Active  Significant  Significant 
     Markets for  Observable  Unobservable 
     Identical Assets  Inputs  Inputs 
  Balance  (Level 1)  (Level 2)  (Level 3) 
  June 30, 2019 
  (unaudited) 
Impaired loans, with specific reserves $196  $-  $-  $196 
Other real estate owned  -   -   -   - 
                 
Total $196  $-  $-  $196 
                 
  December 31, 2018 
Impaired loans, with specific reserves $128  $-  $-  $128 
Other real estate owned  935   -   -   935 
                 
Total $1,063  $-  $-  $1,063 
Schedule of additional quantitative information about assets measured at fair value on a nonrecurring basis
  Quantitative Information About Level 3 Fair Value Measurements
  Fair Value  Valuation Unobservable Range
  Estimate  Techniques Input (Weighted Average)
  June 30, 2019
 (unaudited)
Impaired loans $196  Appraisal of collateral(1) Appraisal adjustments(2) 0% to 20%
           
Other real estate owned  0  Appraisal of collateral(1) Liquidation expenses(3) 0% to 6%
        Appraisal adjustments(2) 0% to 20%
           
  December 31, 2018
Impaired loans $128  Appraisal of collateral(1) Appraisal adjustments(2) 0% to 20%
           
Other real estate owned  935  Appraisal of collateral(1) Liquidation expenses(3) 0% to 6%
        Appraisal adjustments(2) 0% to 20%

 

(1)Fair value is generally through independent appraisals of the underlying collateral that generally include various level 3 inputs which are not identifiable.
(2)Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range of liquidation expenses and other appraisal adjustments are presented as a percent of the appraised value.
(3)Estimated costs to sell.
Schedule of carrying value and fair values of the financial instruments
  June 30,  December 31, 
  2019  2018 
  (unaudited)       
  Carrying
Value
  Fair Value  Carrying
Value
  Fair Value 
                 
Financial Assets:                
Cash and due from banks   (Level 2) $11,969  $11,969  $50,590  $50,590 
Available for sale securities (Level 2)  111,398   111,398   101,312   101,312 
FHLB stock (Level 2)  3,355   3,355   1,883   1,883 
Loans, net (Level 3)  737,293   737,182   678,402   674,287 
Accrued interest receivable (Level 2)  2,874   2,874   2,523   2,523 
Mortgage servicing rights (Level 3)  2,203   4,138   2,278   4,667 
                 
Financial Liabilities:                
Deposits (Level 2)  716,858   700,242   684,418   683,163 
Mortgagors escrow accounts (Level 2)  10,400   10,400   7,725   7,725 
FHLB advances (Level 2)  64,541   64,541   31,598   31,598 
Subordinated debt and other borrowings (Level 2)  5,155   5,155   10,155   10,155 
XML 48 R38.htm IDEA: XBRL DOCUMENT v3.19.2
Accumulated Other Comprehensive Loss (Tables)
6 Months Ended
Jun. 30, 2019
Comprehensive Income (Loss), Net of Tax [Abstract]  
Schedule of accumulated other comprehensive loss activity
  Accumulated Other Comprehensive Loss (1) 
  Defined
Benefit
Pension Plan
  

Unrealized gains

(losses) on

available for sale

securities

  Total 
Balance at March 31, 2019 (unaudited) $(284) $(5,632) $(5,916)
Other comprehensive (loss) gain before reclassifications  (32)  1,492   1,460 
Amounts reclassified from accumulated other comprehensive loss  70   31   101 
Period change  38   1,523   1,561 
Balance at June 30, 2019  (unaudited) $(246) $(4,109) $(4,355)
             
Balance at March 31, 2018 (unaudited) $(534) $(7,495) $(8,029)
Other comprehensive gain (loss) before reclassifications  650   (335)  315 
Amounts reclassified from accumulated other comprehensive loss  148   -   148 
Period change  798   (335)  463 
Balance at June 30, 2018  (unaudited) $264  $(7,830) $(7,566)
    
  Accumulated Other Comprehensive Loss (1) 
  

Defined

Benefit

Pension Plan

  

Unrealized gains

(losses) on

available for sale

securities

  Total 
Balance at December 31, 2018 $(339) $(6,673) $(7,012)
Other comprehensive (loss) gain before reclassifications  (48)  2,533   2,485 
Amounts reclassified from accumulated other comprehensive loss  141   31   172 
Period change  93   2,564   2,657 
Balance at June 30, 2019  (unaudited) $(246) $(4,109) $(4,355)
             
Balance at December 31, 2017 $(534) $(6,421) $(6,955)
Other comprehensive gain (loss) before reclassifications  650   (1,410)  (760)
Amounts reclassified from accumulated other comprehensive loss  148   1   149 
Period change  798   (1,409)  (611)
Balance at June 30, 2018  (unaudited) $264  $(7,830) $(7,566)

 

(1)All amounts are net of tax. Related income tax expense or benefit is calculated using an income tax rate of 21.0 %.
Schedule of accumulated other comprehensive loss components
  

Amount Reclassified from

Accumulated Other Comprehensive

Income (Loss) For the Three Months

Ended June 30,

  

Affected Line Item in the Consolidated

Statement of Income

  2019  2018   
  (unaudited)   
Securities available for sale (1):          
Net securities losses reclassified into earnings $(40) $-  Net realized loss on sales and calls of securities
Related income tax benefit  9   -  Provision for income taxes
Net effect on accumulated other other comprehensive loss for the period  (31)  -   
Defined benefit pension plan (2):          
Amortization of net loss and prior service costs  (89)  (187) Salaries and employee benefits
Related income tax benefit  19   39  Provision for income taxes
Net effect on accumulated other other comprehensive loss for the period  (70)  (148)  
Total reclassifications for the period $(101) $(148)  
      
  

Amount Reclassified from

Accumulated Other Comprehensive

Income (Loss) For the Six Months Ended

June 30,

  

Affected Line Item in the Consolidated

Statement of Income

  2019  2018   
  (unaudited)   
Securities available for sale (1):          
Net securities losses reclassified into earnings $(40) $(1) Net realized loss on sales and calls of securities
Related income tax expense  9   -  Provision for income taxes
Net effect on accumulated other other comprehensive loss for the period  (31)  (1)  
Defined benefit pension plan (2):          
Amortization of net loss and prior service costs  (179)  (187) Salaries and employee benefits
Related income tax expense  38   39  Provision for income taxes
Net effect on accumulated other other comprehensive loss for the period  (141)  (148)  
Total reclassifications for the period $(172) $(149)  

 

(1)For additional details related to unrealized gains and losses on securities and related amounts reclassified from accumulated other comprehensive loss see Note 2, “Investment Securities.”
(2)Included in the computation of net periodic pension cost. See Note 9, “Employee Benefits” for additional details.
XML 49 R39.htm IDEA: XBRL DOCUMENT v3.19.2
Earnings Per Share (Tables)
6 Months Ended
Jun. 30, 2019
Earnings Per Share [Abstract]  
Schedule of earnings per share, basic and diluted
(Dollars in thousands, except for per share data) 

Three months ended

June 30, 2019

  

Six months ended June

30, 2019

 
  (unaudited)  (unaudited) 
Net income applicable to common stock $1,221  $2,132 
         
Average number of common shares outstanding  11,133,290   11,133,290 
Less: Average unallocated ESOP shares  428,243   430,970 
Average number of common shares outstanding used to calculate basic earnings per common share  10,705,047   10,702,320 
         
Earnings per Common share:        
Basic $0.11  $0.20 
Diluted $0.11  $0.20 
XML 50 R40.htm IDEA: XBRL DOCUMENT v3.19.2
Nature of Business and Significant Accounting Policies (Detail Textuals)
$ in Thousands
6 Months Ended
Jun. 30, 2019
USD ($)
Branch
Dec. 31, 2018
USD ($)
Nature Of Business And Significant Accounting Policies [Line Items]    
Other Real Estate $ 1,578 $ 1,685
Number of branches | Branch 11  
Percentage of credit extension 80.00%  
Threshold percentage for loan amount against the original appraised value of the property 90.00%  
Threshold percentage for private mortgage insurance required for that portion of loan 80.00%  
Amount of consumer mortgages and loans secured by residential real estate properties in process of foreclosure $ 687 526
Amortization method purchased customer accounts Straight-line basis  
Useful life of purchased customer accounts 13 years 4 months  
Commercial real estate    
Nature Of Business And Significant Accounting Policies [Line Items]    
Other Real Estate $ 643 750
Residential real estate    
Nature Of Business And Significant Accounting Policies [Line Items]    
Other Real Estate $ 935 $ 935
XML 51 R41.htm IDEA: XBRL DOCUMENT v3.19.2
Available for Sale Securities (Details) - USD ($)
$ in Thousands
Jun. 30, 2019
Dec. 31, 2018
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost $ 111,413 $ 104,573
Gross Unrealized Gains 688 12
Gross Unrealized Losses (703) (3,273)
Fair Value 111,398 101,312
U.S. Treasury securities    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 0 3,036
Gross Unrealized Gains 0 0
Gross Unrealized Losses 0 (65)
Fair Value 0 2,971
U.S. government agency mortgage-backed securities-residential    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 89,707 82,965
Gross Unrealized Gains 592 8
Gross Unrealized Losses (586) (2,757)
Fair Value 89,713 80,216
U.S. government agency securities    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 19,935 16,919
Gross Unrealized Gains 29 0
Gross Unrealized Losses (117) (451)
Fair Value 19,847 16,468
Municipal securities    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost [1] 1,229 1,228
Gross Unrealized Gains [1] 18 4
Gross Unrealized Losses [1] 0 0
Fair Value [1] 1,247 1,232
Other    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 542 425
Gross Unrealized Gains 49 0
Gross Unrealized Losses 0 0
Fair Value $ 591 $ 425
[1] The issuers of municipal securities are all within New York State.
XML 52 R42.htm IDEA: XBRL DOCUMENT v3.19.2
Available for Sale Securities (Details 1) - USD ($)
$ in Thousands
Jun. 30, 2019
Dec. 31, 2018
Debt Securities, Available-for-sale [Line Items]    
Less Than 12 Months Fair Value $ 0 $ 1,669
Less Than 12 Months Unrealized Losses 0 (4)
12 Months or Longer Fair Value 53,787 96,025
12 Months or Longer Unrealized Losses (703) (3,269)
Fair Value 53,787 97,694
Unrealized Losses (703) (3,273)
U.S. Treasury securities    
Debt Securities, Available-for-sale [Line Items]    
Less Than 12 Months Fair Value 0 0
Less Than 12 Months Unrealized Losses 0 0
12 Months or Longer Fair Value 0 2,971
12 Months or Longer Unrealized Losses 0 (65)
Fair Value 0 2,971
Unrealized Losses 0 (65)
U.S. government agency mortgage-backed securities-residential    
Debt Securities, Available-for-sale [Line Items]    
Less Than 12 Months Fair Value 0 1,669
Less Than 12 Months Unrealized Losses 0 (4)
12 Months or Longer Fair Value 40,967 76,586
12 Months or Longer Unrealized Losses (586) (2,753)
Fair Value 40,967 78,255
Unrealized Losses (586) (2,757)
U.S. government agency securities    
Debt Securities, Available-for-sale [Line Items]    
Less Than 12 Months Fair Value 0 0
Less Than 12 Months Unrealized Losses 0 0
12 Months or Longer Fair Value 12,820 16,468
12 Months or Longer Unrealized Losses (117) (451)
Fair Value 12,820 16,468
Unrealized Losses $ (117) $ (451)
XML 53 R43.htm IDEA: XBRL DOCUMENT v3.19.2
Available for Sale Securities (Details 2) - USD ($)
$ in Thousands
Jun. 30, 2019
Dec. 31, 2018
Amortized Cost    
Within 1 year $ 1,221 $ 1,221
After 1 but within 5 years 14,186 17,253
After 5 but within 10 years 5,557 1,975
After 10 years 200 734
Total Maturities 21,164 21,183
Mortgage-backed securities 89,707 82,965
Other 542 425
Amortized Cost 111,413 104,573
Fair Value    
Within 1 year 1,217 1,210
After 1 but within 5 years 14,074 16,780
After 5 but within 10 years 5,603 1,945
After 10 years 200 736
Total Maturities 21,094 20,671
Mortgage-backed securities 89,713 80,216
Other 591 425
Fair Value $ 111,398 $ 101,312
XML 54 R44.htm IDEA: XBRL DOCUMENT v3.19.2
Available for Sale Securities (Detail Textuals)
$ in Thousands
6 Months Ended 12 Months Ended
Jun. 30, 2019
USD ($)
Security
Dec. 31, 2018
USD ($)
Security
Debt Securities, Available-for-sale [Line Items]    
Number of individual available-for-sale securities with unrealized losses | Security 59 96
Unrealized Losses $ 703 $ 3,273
Aggregate percentage of depreciation 1.31% 3.35%
Available for sale securities pledged to secure Federal Home Loan Bank of New York ("FHLBNY") borrowings $ 26,222 $ 27,465
Available for sale securities pledged to secure Federal Reserve Bank of New York ("FRBNY") borrowings 1,187 1,032
Proceeds from the sale of available for sale securities and calls 4,990 2,113
Losses on sales of investment securities $ 40 $ 22
XML 55 R45.htm IDEA: XBRL DOCUMENT v3.19.2
Loans and allowance for loan losses (Details) - USD ($)
$ in Thousands
Jun. 30, 2019
Mar. 31, 2019
Dec. 31, 2018
Jun. 30, 2018
Mar. 31, 2018
Dec. 31, 2017
Loans and Leases Receivable Disclosure [Line Items]            
Total gross loans $ 735,865   $ 677,006 $ 620,591    
Net deferred loan costs 9,286   8,042      
Allowance for loan losses (7,858) $ (7,183) (6,646) (5,939) $ (5,620) $ (5,457)
Total net loans 737,293   678,402      
Commercial real estate            
Loans and Leases Receivable Disclosure [Line Items]            
Total gross loans 239,163   223,030 220,697    
Allowance for loan losses (1,252) (1,159) (1,080) (947) (897) (1,305)
Commercial real estate | Construction            
Loans and Leases Receivable Disclosure [Line Items]            
Total gross loans 13,357   12,870      
Commercial real estate | Non-residential            
Loans and Leases Receivable Disclosure [Line Items]            
Total gross loans 207,027   197,499      
Commercial real estate | Multifamily            
Loans and Leases Receivable Disclosure [Line Items]            
Total gross loans 18,779   12,661      
Residential real estate loans            
Loans and Leases Receivable Disclosure [Line Items]            
Total gross loans 39,959   43,534 43,736    
Allowance for loan losses (305) (286) (320) (513) (462) (455)
Commercial and industrial loans            
Loans and Leases Receivable Disclosure [Line Items]            
Total gross loans 89,473   83,203 75,612    
Allowance for loan losses (1,895) (1,575) (1,542) (1,082) (950) (879)
Consumer loans            
Loans and Leases Receivable Disclosure [Line Items]            
Total gross loans 28,903   30,095 30,329    
Allowance for loan losses (800) (783) (789) (776) (734) (668)
Consumer loans | Indirect automobile            
Loans and Leases Receivable Disclosure [Line Items]            
Total gross loans 338,367   297,144 250,217    
Allowance for loan losses (3,606) $ (3,380) (2,915) $ (2,621) $ (2,577) $ (2,150)
Consumer loans | Home equity            
Loans and Leases Receivable Disclosure [Line Items]            
Total gross loans 18,591   19,269      
Consumer loans | Other consumer            
Loans and Leases Receivable Disclosure [Line Items]            
Total gross loans $ 10,312   $ 10,826      
XML 56 R46.htm IDEA: XBRL DOCUMENT v3.19.2
Loans and allowance for loan losses (Details 1) - USD ($)
$ in Thousands
Jun. 30, 2019
Dec. 31, 2018
Jun. 30, 2018
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans $ 735,865 $ 677,006 $ 620,591
Pass      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 720,373 660,090  
Special Mention      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 7,154 7,805  
Substandard      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 4,508 6,163  
Doubtful      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 3,830 2,948  
Commercial real estate      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 239,163 223,030 220,697
Commercial real estate | Construction      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 13,357 12,870  
Commercial real estate | Construction | Pass      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 13,357 12,870  
Commercial real estate | Construction | Special Mention      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 0 0  
Commercial real estate | Construction | Substandard      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 0 0  
Commercial real estate | Construction | Doubtful      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 0 0  
Commercial real estate | Non-residential      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 207,027 197,499  
Commercial real estate | Non-residential | Pass      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 197,330 186,020  
Commercial real estate | Non-residential | Special Mention      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 6,495 6,840  
Commercial real estate | Non-residential | Substandard      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 3,202 4,639  
Commercial real estate | Non-residential | Doubtful      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 0 0  
Commercial real estate | Multifamily      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 18,779 12,661  
Commercial real estate | Multifamily | Pass      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 18,394 12,261  
Commercial real estate | Multifamily | Special Mention      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 0 0  
Commercial real estate | Multifamily | Substandard      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 385 400  
Commercial real estate | Multifamily | Doubtful      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 0 0  
Residential real estate      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 39,959 43,534 43,736
Residential real estate | Pass      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 37,263 41,249  
Residential real estate | Special Mention      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 0 0  
Residential real estate | Substandard      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 0 0  
Residential real estate | Doubtful      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 2,696 2,285  
Commercial and industrial      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 89,473 83,203 75,612
Commercial and industrial | Pass      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 87,853 81,111  
Commercial and industrial | Special Mention      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 659 965  
Commercial and industrial | Substandard      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 921 1,124  
Commercial and industrial | Doubtful      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 40 3  
Consumer      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 28,903 30,095 30,329
Consumer | Indirect automobile      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 338,367 297,144 $ 250,217
Consumer | Indirect automobile | Pass      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 337,777 296,692  
Consumer | Indirect automobile | Special Mention      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 0 0  
Consumer | Indirect automobile | Substandard      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 0 0  
Consumer | Indirect automobile | Doubtful      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 590 452  
Consumer | Home equity      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 18,591 19,269  
Consumer | Home equity | Pass      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 18,127 19,071  
Consumer | Home equity | Special Mention      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 0 0  
Consumer | Home equity | Substandard      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 0 0  
Consumer | Home equity | Doubtful      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 464 198  
Consumer | Other consumer      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 10,312 10,826  
Consumer | Other consumer | Pass      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 10,272 10,816  
Consumer | Other consumer | Special Mention      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 0 0  
Consumer | Other consumer | Substandard      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans 0 0  
Consumer | Other consumer | Doubtful      
Financing Receivable, Recorded Investment [Line Items]      
Total gross loans $ 40 $ 10  
XML 57 R47.htm IDEA: XBRL DOCUMENT v3.19.2
Loans and allowance for loan losses (Details 2) - USD ($)
$ in Thousands
Jun. 30, 2019
Dec. 31, 2018
Jun. 30, 2018
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Current $ 723,755 $ 664,580  
Total 735,865 677,006 $ 620,591
Nonaccrual 6,150 5,672  
30-59 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 6,069 7,030  
60-89 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 1,896 1,813  
Greater Than 90 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 4,145 3,583  
Commercial real estate      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Total 239,163 223,030 220,697
Commercial real estate | Construction      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Current 13,357 12,870  
Total 13,357 12,870  
Nonaccrual 0 0  
Commercial real estate | Construction | 30-59 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 0 0  
Commercial real estate | Construction | 60-89 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 0 0  
Commercial real estate | Construction | Greater Than 90 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 0 0  
Commercial real estate | Non-residential      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Current 204,559 193,273  
Total 207,027 197,499  
Nonaccrual 2,054 2,507  
Commercial real estate | Non-residential | 30-59 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 241 1,466  
Commercial real estate | Non-residential | 60-89 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 173 253  
Commercial real estate | Non-residential | Greater Than 90 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 2,054 2,507  
Commercial real estate | Multifamily      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Current 18,420 12,487  
Total 18,779 12,661  
Nonaccrual 0 0  
Commercial real estate | Multifamily | 30-59 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 0 174  
Commercial real estate | Multifamily | 60-89 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 359 0  
Commercial real estate | Multifamily | Greater Than 90 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 0 0  
Residential real estate      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Current 37,993 42,083  
Total 39,959 43,534 43,736
Nonaccrual 2,696 2,208  
Residential real estate | 30-59 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 889 305  
Residential real estate | 60-89 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 0 615  
Residential real estate | Greater Than 90 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 1,077 531  
Commercial and industrial      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Current 88,942 82,992  
Total 89,473 83,203 75,612
Nonaccrual 306 297  
Commercial and industrial | 30-59 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 68 206  
Commercial and industrial | 60-89 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 423 1  
Commercial and industrial | Greater Than 90 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 40 4  
Consumer      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Total 28,903 30,095 30,329
Consumer | Indirect automobile      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Current 332,384 291,369  
Total 338,367 297,144 $ 250,217
Nonaccrual 590 452  
Consumer | Indirect automobile | 30-59 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 4,520 4,429  
Consumer | Indirect automobile | 60-89 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 896 915  
Consumer | Indirect automobile | Greater Than 90 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 567 431  
Consumer | Home equity      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Current 18,039 18,905  
Total 18,591 19,269  
Nonaccrual 463 198  
Consumer | Home equity | 30-59 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 186 264  
Consumer | Home equity | 60-89 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 0 0  
Consumer | Home equity | Greater Than 90 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 366 100  
Consumer | Other consumer      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Current 10,061 10,601  
Total 10,312 10,826  
Nonaccrual 41 10  
Consumer | Other consumer | 30-59 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 165 186  
Consumer | Other consumer | 60-89 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due 45 29  
Consumer | Other consumer | Greater Than 90 Days Past Due      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
Past Due $ 41 $ 10  
XML 58 R48.htm IDEA: XBRL DOCUMENT v3.19.2
Loans and allowance for loan losses (Details 3) - USD ($)
$ in Thousands
6 Months Ended 12 Months Ended
Jun. 30, 2019
Dec. 31, 2018
With no related allowance recorded:    
Recorded Investment $ 5,833 $ 5,571
Unpaid Principal Balance 6,533 6,404
Average Recorded Investment 5,702 6,984
With an allowance recorded:    
Recorded Investment 317 178
Unpaid Principal Balance 346 191
Related Allowance 121 50
Average Recorded Investment 248 667
Total:    
Recorded Investment 6,150 5,749
Unpaid Principal Balance 6,879 6,595
Related Allowance 121 50
Average Recorded Investment 5,950 7,651
Commercial real estate | Construction    
With no related allowance recorded:    
Recorded Investment 0 0
Unpaid Principal Balance 0 0
Average Recorded Investment 0 563
With an allowance recorded:    
Recorded Investment 0 0
Unpaid Principal Balance 0 0
Related Allowance 0 0
Average Recorded Investment 0 0
Total:    
Recorded Investment 0 0
Unpaid Principal Balance 0 0
Related Allowance 0 0
Average Recorded Investment 0 563
Commercial real estate | Non-residential    
With no related allowance recorded:    
Recorded Investment 2,054 2,507
Unpaid Principal Balance 2,094 2,601
Average Recorded Investment 2,281 3,023
With an allowance recorded:    
Recorded Investment 0 0
Unpaid Principal Balance 0 0
Related Allowance 0 0
Average Recorded Investment 0 451
Total:    
Recorded Investment 2,054 2,507
Unpaid Principal Balance 2,094 2,601
Related Allowance 0 0
Average Recorded Investment 2,281 3,474
Commercial real estate | Multifamily    
With no related allowance recorded:    
Recorded Investment 0 0
Unpaid Principal Balance 0 0
Average Recorded Investment 0 0
With an allowance recorded:    
Recorded Investment 0 0
Unpaid Principal Balance 0 0
Related Allowance 0 0
Average Recorded Investment 0 0
Total:    
Recorded Investment 0 0
Unpaid Principal Balance 0 0
Related Allowance 0 0
Average Recorded Investment 0 0
Residential real estate    
With no related allowance recorded:    
Recorded Investment 2,696 2,285
Unpaid Principal Balance 3,162 2,841
Average Recorded Investment 2,490 2,235
With an allowance recorded:    
Recorded Investment 0 0
Unpaid Principal Balance 0 0
Related Allowance 0 0
Average Recorded Investment 0 0
Total:    
Recorded Investment 2,696 2,285
Unpaid Principal Balance 3,162 2,841
Related Allowance 0 0
Average Recorded Investment 2,490 2,235
Commercial and industrial    
With no related allowance recorded:    
Recorded Investment 266 297
Unpaid Principal Balance 401 421
Average Recorded Investment 282 758
With an allowance recorded:    
Recorded Investment 40 0
Unpaid Principal Balance 40 0
Related Allowance 40 0
Average Recorded Investment 20 9
Total:    
Recorded Investment 306 297
Unpaid Principal Balance 441 421
Related Allowance 40 0
Average Recorded Investment 302 767
Consumer | Indirect automobile    
With no related allowance recorded:    
Recorded Investment 353 274
Unpaid Principal Balance 395 320
Average Recorded Investment 313 242
With an allowance recorded:    
Recorded Investment 237 178
Unpaid Principal Balance 265 191
Related Allowance 69 50
Average Recorded Investment 208 205
Total:    
Recorded Investment 590 452
Unpaid Principal Balance 660 511
Related Allowance 69 50
Average Recorded Investment 521 447
Consumer | Home equity    
With no related allowance recorded:    
Recorded Investment 464 198
Unpaid Principal Balance 481 211
Average Recorded Investment 331 158
With an allowance recorded:    
Recorded Investment 0 0
Unpaid Principal Balance 0 0
Related Allowance 0 0
Average Recorded Investment 0 0
Total:    
Recorded Investment 464 198
Unpaid Principal Balance 481 211
Related Allowance 0 0
Average Recorded Investment 331 158
Consumer | Other consumer    
With no related allowance recorded:    
Recorded Investment 0 10
Unpaid Principal Balance 0 10
Average Recorded Investment 5 5
With an allowance recorded:    
Recorded Investment 40 0
Unpaid Principal Balance 41 0
Related Allowance 12 0
Average Recorded Investment 20 2
Total:    
Recorded Investment 40 10
Unpaid Principal Balance 41 10
Related Allowance 12 0
Average Recorded Investment $ 25 $ 7
XML 59 R49.htm IDEA: XBRL DOCUMENT v3.19.2
Loans and allowance for loan losses (Details 4) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2019
Jun. 30, 2018
Jun. 30, 2019
Jun. 30, 2018
Dec. 31, 2018
Allowance for loan losses:          
Beginning balance $ 7,183 $ 5,620 $ 6,646 $ 5,457 $ 5,457
Provision (credit) for loan losses 780 525 1,560 1,050 2,100
Loans charged-off (440) (381) (946) (1,084) (2,013)
Recoveries 335 175 598 516 1,102
Ending balance 7,858 5,939 7,858 5,939 6,646
Allowance for loan losses:          
Ending balance: Individually evaluated for impairment 121 61 121 61 50
Ending balance: Collectively evaluated for impairment 7,737 5,878 7,737 5,878 6,596
Loan receivables:          
Ending balance 735,865 620,591 735,865 620,591 677,006
Ending balance: Individually evaluated for impairment 6,150 10,166 6,150 10,166 5,749
Ending balance: Collectively evaluated for impairment 729,715 610,425 729,715 610,425 671,257
Commercial Real Estate          
Allowance for loan losses:          
Beginning balance 1,159 897 1,080 1,305 1,305
Provision (credit) for loan losses 93 50 172 (55) (45)
Loans charged-off 0 0 0 (303) (303)
Recoveries 0 0 0 0 123
Ending balance 1,252 947 1,252 947 1,080
Allowance for loan losses:          
Ending balance: Individually evaluated for impairment 0 0 0 0 0
Ending balance: Collectively evaluated for impairment 1,252 947 1,252 947 1,080
Loan receivables:          
Ending balance 239,163 220,697 239,163 220,697 223,030
Ending balance: Individually evaluated for impairment 2,054 5,874 2,054 5,874 2,507
Ending balance: Collectively evaluated for impairment 237,109 214,823 237,109 214,823 220,523
Residential real estate          
Allowance for loan losses:          
Beginning balance 286 462 320 455 455
Provision (credit) for loan losses 17 49 (18) 55 (140)
Loans charged-off 0 0 0 0 0
Recoveries 2 2 3 3 5
Ending balance 305 513 305 513 320
Allowance for loan losses:          
Ending balance: Individually evaluated for impairment 0 0 0 0 0
Ending balance: Collectively evaluated for impairment 305 513 305 513 320
Loan receivables:          
Ending balance 39,959 43,736 39,959 43,736 43,534
Ending balance: Individually evaluated for impairment 2,696 2,483 2,696 2,483 2,285
Ending balance: Collectively evaluated for impairment 37,263 41,253 37,263 41,253 41,249
Commercial and industrial          
Allowance for loan losses:          
Beginning balance 1,575 950 1,542 879 879
Provision (credit) for loan losses 327 131 364 118 578
Loans charged-off (7) (9) (12) (28) (37)
Recoveries 0 10 1 113 122
Ending balance 1,895 1,082 1,895 1,082 1,542
Allowance for loan losses:          
Ending balance: Individually evaluated for impairment 41 0 41 0 0
Ending balance: Collectively evaluated for impairment 1,854 1,082 1,854 1,082 1,542
Loan receivables:          
Ending balance 89,473 75,612 89,473 75,612 83,203
Ending balance: Individually evaluated for impairment 307 1,211 307 1,211 297
Ending balance: Collectively evaluated for impairment 89,166 74,401 89,166 74,401 82,906
Consumer          
Allowance for loan losses:          
Beginning balance 783 734 789 668 668
Provision (credit) for loan losses 14 48 10 115 168
Loans charged-off (9) (10) (15) (18) (66)
Recoveries 12 4 16 11 19
Ending balance 800 776 800 776 789
Allowance for loan losses:          
Ending balance: Individually evaluated for impairment 11 0 11 0 0
Ending balance: Collectively evaluated for impairment 789 776 789 776 789
Loan receivables:          
Ending balance 28,903 30,329 28,903 30,329 30,095
Ending balance: Individually evaluated for impairment 503 273 503 273 208
Ending balance: Collectively evaluated for impairment 28,400 30,056 28,400 30,056 29,887
Consumer | Indirect          
Allowance for loan losses:          
Beginning balance 3,380 2,577 2,915 2,150 2,150
Provision (credit) for loan losses 329 247 1,032 817 1,539
Loans charged-off (424) (362) (919) (735) (1,607)
Recoveries 321 159 578 389 833
Ending balance 3,606 2,621 3,606 2,621 2,915
Allowance for loan losses:          
Ending balance: Individually evaluated for impairment 69 61 69 61 50
Ending balance: Collectively evaluated for impairment 3,537 2,560 3,537 2,560 2,865
Loan receivables:          
Ending balance 338,367 250,217 338,367 250,217 297,144
Ending balance: Individually evaluated for impairment 590 325 590 325 452
Ending balance: Collectively evaluated for impairment $ 337,777 $ 249,892 $ 337,777 $ 249,892 $ 296,692
XML 60 R50.htm IDEA: XBRL DOCUMENT v3.19.2
Loans and allowance for loan losses (Detail Textuals)
$ in Thousands
6 Months Ended 12 Months Ended
Jun. 30, 2019
USD ($)
Loan
Dec. 31, 2018
USD ($)
Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Amount of loan $ 1,716 $ 1,774
Number of loans default | Loan 3 3
Loan modified as default   $ 19
Number of charge off loans | Loan   1
Balance of capitalized servicing rights $ 2,203 $ 2,278
Aggregate balances of loans serviced to third party 261,559 255,892
Home equity loan    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Amount of loan $ 117  
Number of loans default | Loan 2  
Residential mortgage    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Amount of loan $ 117  
Number of loans default | Loan 2  
Residential real estate    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Unpaid principal balances of loans held for sale $ 838 $ 888
XML 61 R51.htm IDEA: XBRL DOCUMENT v3.19.2
Premises and Equipment (Details) - USD ($)
$ in Thousands
Jun. 30, 2019
Dec. 31, 2018
Property, Plant and Equipment [Line Items]    
Total $ 39,280 $ 38,829
Less accumulated depreciation (22,434) (21,789)
Net 16,846 17,040
Land    
Property, Plant and Equipment [Line Items]    
Total 3,536 3,536
Buildings and improvements    
Property, Plant and Equipment [Line Items]    
Total 23,585 23,534
Furniture, fixtures and equipment    
Property, Plant and Equipment [Line Items]    
Total 11,948 11,708
Construction in progress    
Property, Plant and Equipment [Line Items]    
Total $ 211 $ 51
XML 62 R52.htm IDEA: XBRL DOCUMENT v3.19.2
Goodwill (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2018
Jun. 30, 2019
Jun. 30, 2018
Dec. 31, 2018
Goodwill [Roll Forward]        
Beginning balance   $ 1,410    
Impairment $ (95)   $ (95)  
Ending balance   1,410   $ 1,410
RAM        
Goodwill [Roll Forward]        
Beginning balance   1,410 $ 1,505 1,505
Impairment   0   (95)
Ending balance   1,410   1,410
Accumulated impairment   $ 1,116   $ 1,116
XML 63 R53.htm IDEA: XBRL DOCUMENT v3.19.2
Goodwill (Detail Textuals) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2018
Jun. 30, 2019
Jun. 30, 2018
Dec. 31, 2018
Goodwill [Line Items]        
Impairment loss on goodwill $ 95   $ 95  
RAM        
Goodwill [Line Items]        
Impairment loss on goodwill   $ 0   $ 95
XML 64 R54.htm IDEA: XBRL DOCUMENT v3.19.2
Intangible Assets (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2019
Jun. 30, 2018
Jun. 30, 2019
Jun. 30, 2018
Dec. 31, 2018
Finite-lived Intangible Assets [Roll Forward]          
Amortization $ (10) $ (10) $ (22) $ (21)  
Ended balance 262   262    
RAM          
Finite-lived Intangible Assets [Roll Forward]          
Beginning balance     284 $ 326 $ 326
Amortization     (22)   (42)
Ended balance 262   262   284
Accumulated amortization and impairment $ 685   $ 685   $ 663
XML 65 R55.htm IDEA: XBRL DOCUMENT v3.19.2
Intangible Assets (Details 1)
$ in Thousands
Jun. 30, 2019
USD ($)
Intangible Assets, Net (Excluding Goodwill) [Abstract]  
2019 $ 22
2020 42
2021 42
2022 42
2023 42
Thereafter 72
Total $ 262
XML 66 R56.htm IDEA: XBRL DOCUMENT v3.19.2
Intangible Assets (Detail Textuals) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2019
Jun. 30, 2018
Jun. 30, 2019
Jun. 30, 2018
Dec. 31, 2018
Acquired Finite-Lived Intangible Assets [Line Items]          
Amortization of Intangible Assets $ 10 $ 10 $ 22 $ 21  
Useful life of purchased customer accounts     13 years 4 months    
Customer lists          
Acquired Finite-Lived Intangible Assets [Line Items]          
Amortization of Intangible Assets $ 22       $ 42
Useful life of purchased customer accounts 13 years 4 months        
XML 67 R57.htm IDEA: XBRL DOCUMENT v3.19.2
Deposits (Details) - USD ($)
$ in Thousands
Jun. 30, 2019
Dec. 31, 2018
Deposits [Abstract]    
Noninterest bearing demand deposits $ 152,705 $ 171,829
Interest bearing accounts:    
NOW 103,089 99,715
Savings 120,814 126,822
Money market 147,070 130,356
Time certificates of deposit 193,180 155,696
Total interest bearing accounts 564,153 512,589
Total deposits $ 716,858 $ 684,418
XML 68 R58.htm IDEA: XBRL DOCUMENT v3.19.2
Deposits (Details 1) - USD ($)
$ in Thousands
Jun. 30, 2019
Dec. 31, 2018
Deposits [Abstract]    
Within 1 year $ 123,381  
1 - 2 years 47,812  
2 - 3 years 12,875  
3 - 4 years 3,027  
4 - 5 years 6,085  
Total $ 193,180 $ 155,696
XML 69 R59.htm IDEA: XBRL DOCUMENT v3.19.2
Deposits (Detail Textuals) - USD ($)
$ in Thousands
6 Months Ended
Jun. 30, 2019
Dec. 31, 2018
Deposits [Line Items]    
Brokered Deposits $ 22,275 $ 21,515
Time certificates of deposit in denominations of $250 or greater $ 35,545 $ 16,644
Maximum    
Deposits [Line Items]    
Maturity terms 3 years  
Minimum    
Deposits [Line Items]    
Maturity terms 1 year  
XML 70 R60.htm IDEA: XBRL DOCUMENT v3.19.2
Long-Term Debt and FHLB Stock (Details) - FHLB
$ in Thousands
Jun. 30, 2019
USD ($)
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]  
Principal amount $ 52,041
Rate 2.57%
Due in one year $ 16,798
Long term 35,243
2 year amortizing on May 15, 2020  
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]  
Principal amount $ 2,535
Rate 2.78%
Due in one year $ 2,535
Long term 0
2 year amortizing on June 8, 2020  
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]  
Principal amount $ 2,743
Rate 2.76%
Due in one year $ 2,743
Long term 0
2 year amortizing on May 17, 2021  
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]  
Principal amount $ 10,000
Rate 2.53%
Due in one year $ 4,937
Long term 5,063
Two year bullet on May 17, 2021  
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]  
Principal amount $ 10,000
Rate 2.46%
Due in one year $ 0
Long term 10,000
3 year amortizing on May 17, 2021  
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]  
Principal amount $ 6,763
Rate 2.92%
Due in one year $ 3,332
Long term 3,431
3 year amortizing on May 16, 2022  
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]  
Principal amount $ 10,000
Rate 2.49%
Due in one year $ 3,251
Long term 6,749
3 year bullet on May 16, 2022  
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]  
Principal amount $ 10,000
Rate 2.44%
Due in one year $ 0
Long term $ 10,000
XML 71 R61.htm IDEA: XBRL DOCUMENT v3.19.2
Long-Term Debt and FHLB Stock (Detail Textuals) - USD ($)
$ in Thousands
6 Months Ended 12 Months Ended
Jan. 15, 2019
Jun. 30, 2019
Dec. 31, 2018
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]      
Dividend paid to Rhinebeck Bancorp, MHC $ 5,100    
Atlantic Community Bankers Bank      
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]      
Interest rate, variable rate basis     Wall Street Journal prime rate
Interest LIBOR rate     0.50%
Long-term Line of Credit     $ 5,000
Zions Bank      
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]      
Unsecured, uncommitted line of credit   $ 10,000  
Subordinated Debt      
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]      
Interest rate   4.32% 4.65%
Interest rate, variable rate basis   3-month LIBOR  
Interest LIBOR rate   2.00%  
Subordinated debt securities   $ 5,155  
Stated maturity date   May 23, 2035  
Subordinated Debt | RSB Capital Trust I      
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]      
Interest rate, variable rate basis   3-month LIBOR  
Interest LIBOR rate   2.00%  
Trust term   30 years  
FHLB      
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]      
Preapproved secured line of credit   $ 456,464 $ 441,134
Amount of pledged assets   160,493 145,805
Outstanding amount secured line of credit   $ 12,500 $ 0
Interest rate   2.45%  
Structured borrowings   $ 52,041  
XML 72 R62.htm IDEA: XBRL DOCUMENT v3.19.2
Employee Benefits (Details) - USD ($)
$ in Thousands
Jun. 30, 2019
Dec. 31, 2018
Employee Benefits and Share-based Compensation, Noncash [Abstract]    
Projected and accumulated benefit obligation $ (20,390) $ (18,241)
Plan assets at fair value 19,608 17,459
Funded status included in other liabilities $ (782) $ (782)
XML 73 R63.htm IDEA: XBRL DOCUMENT v3.19.2
Employee Benefits (Details 1) - USD ($)
$ in Thousands
6 Months Ended 12 Months Ended
Jun. 30, 2019
Dec. 31, 2018
Employee Benefits and Share-based Compensation, Noncash [Abstract]    
Interest cost $ 370 $ 689
Expected return on plan assets (470) (1,074)
Amortization of unrecognized loss 219 374
Net periodic cost (benefit) $ 119 $ (11)
XML 74 R64.htm IDEA: XBRL DOCUMENT v3.19.2
Employee Benefits (Details 2) - USD ($)
$ in Thousands
Jun. 30, 2019
Dec. 31, 2018
Defined Benefit Plan Disclosure [Line Items]    
Plan assets at fair value $ 19,608 $ 17,459
Pension plan | Investment in separate accounts fixed income    
Defined Benefit Plan Disclosure [Line Items]    
Plan assets at fair value 15,169 13,638
Pension plan | Investment in separate accounts equity    
Defined Benefit Plan Disclosure [Line Items]    
Plan assets at fair value 4,439 3,821
Level 1 | Pension plan    
Defined Benefit Plan Disclosure [Line Items]    
Plan assets at fair value 0 0
Level 1 | Pension plan | Investment in separate accounts fixed income    
Defined Benefit Plan Disclosure [Line Items]    
Plan assets at fair value 0 0
Level 1 | Pension plan | Investment in separate accounts equity    
Defined Benefit Plan Disclosure [Line Items]    
Plan assets at fair value 0 0
Level 2 | Pension plan    
Defined Benefit Plan Disclosure [Line Items]    
Plan assets at fair value 19,608 17,459
Level 2 | Pension plan | Investment in separate accounts fixed income    
Defined Benefit Plan Disclosure [Line Items]    
Plan assets at fair value 15,169 13,638
Level 2 | Pension plan | Investment in separate accounts equity    
Defined Benefit Plan Disclosure [Line Items]    
Plan assets at fair value 4,439 3,821
Level 3 | Pension plan    
Defined Benefit Plan Disclosure [Line Items]    
Plan assets at fair value 0 0
Level 3 | Pension plan | Investment in separate accounts fixed income    
Defined Benefit Plan Disclosure [Line Items]    
Plan assets at fair value 0 0
Level 3 | Pension plan | Investment in separate accounts equity    
Defined Benefit Plan Disclosure [Line Items]    
Plan assets at fair value $ 0 $ 0
XML 75 R65.htm IDEA: XBRL DOCUMENT v3.19.2
Employee Benefits (Details 3)
Jun. 30, 2019
shares
Employee Benefits and Share-based Compensation, Noncash [Abstract]  
Allocated 0
Committed to be allocated 10,910
Unallocated 425,515
Total shares 436,425
XML 76 R66.htm IDEA: XBRL DOCUMENT v3.19.2
Employee Benefits (Detail Textuals) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2019
Jun. 30, 2018
Jun. 30, 2019
Jun. 30, 2018
Dec. 31, 2018
Schedule Of Employee Benefits [Line Items]          
Percentage of internal revenue contribution     25.00%    
Percentage of internal revenue service limitations     6.00%    
Cash surrender value of life insurance $ 18,218   $ 18,218   $ 18,018
Increase in cash surrender value of insurance 99 $ 100 200 $ 199  
Accrued expenses and other liabilities 10,573   10,573   10,108
Noninterest expense 7,048 $ 6,401 13,966 12,767  
Employer contribution in defined contribution plan     442 378 570
Net earnings on Bank Owned Life Insurance     200 199  
Directors' Plan          
Schedule Of Employee Benefits [Line Items]          
Accrued expenses and other liabilities 1,918   1,918   1,687
Noninterest expense     62 65  
Executive Long-Term Incentive and Retention Plan          
Schedule Of Employee Benefits [Line Items]          
Accrued expenses and other liabilities 998   998   975
Noninterest expense     $ 271 175  
Executive Long-Term Incentive and Retention Plan | Maximum          
Schedule Of Employee Benefits [Line Items]          
Terms of services     5 years    
Executive Long-Term Incentive and Retention Plan | Minimum          
Schedule Of Employee Benefits [Line Items]          
Terms of services     1 year    
Group Term Replacement Plan          
Schedule Of Employee Benefits [Line Items]          
Liability related to these postretirement benefits 1,303   $ 1,303   1,276
Postemployment benefit expense     26 26  
Other Director and Officer Postretirement Benefits          
Schedule Of Employee Benefits [Line Items]          
Noninterest expense     48 $ 51  
Liability related to these postretirement benefits $ 2,124   $ 2,124   $ 2,108
Other Director and Officer Postretirement Benefits | Maximum          
Schedule Of Employee Benefits [Line Items]          
Post retirement benefit period     20 years    
Other Director and Officer Postretirement Benefits | Minimum          
Schedule Of Employee Benefits [Line Items]          
Post retirement benefit period     15 years    
XML 77 R67.htm IDEA: XBRL DOCUMENT v3.19.2
Employee Benefits (Detail Textuals 1) - USD ($)
$ / shares in Units, $ in Thousands
1 Months Ended 6 Months Ended 12 Months Ended
Jan. 16, 2019
Jun. 30, 2019
Dec. 31, 2018
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]      
Number of share purchase under ESOP   436,425  
Committed to be allocated   10,910  
Employee Stock Ownership Plan (ESOP)      
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]      
Number of share purchase under ESOP 436,425    
Common stock price per share $ 10.00    
Terms of repurchase share under ESOP 20 years    
Interest rate     5.50%
Balance of ESOP loan   $ 4,400  
Committed to be allocated   21,821  
Fair value of unallocated shares   $ 4,700  
Compensation expense   $ 183  
XML 78 R68.htm IDEA: XBRL DOCUMENT v3.19.2
Commitments and Contingencies (Details) - Operating lease agreements - Branch offices and equipment
$ in Thousands
Jun. 30, 2019
USD ($)
Operating Leased Assets [Line Items]  
2019 $ 337
2020 641
2021 564
2022 509
2023 486
2024 and beyond 477
Total $ 3,014
XML 79 R69.htm IDEA: XBRL DOCUMENT v3.19.2
Commitments and Contingencies (Detail Textuals) - USD ($)
$ in Thousands
6 Months Ended
Jun. 30, 2019
Jun. 30, 2018
Commitments and Contingencies Disclosure [Abstract]    
Total rental expense for cancelable and non-cancelable operating leases $ 323 $ 317
Rental income under subleases $ 137 $ 163
XML 80 R70.htm IDEA: XBRL DOCUMENT v3.19.2
Financial Instruments with Off-Balance-Sheet Risk (Details) - USD ($)
$ in Thousands
Jun. 30, 2019
Dec. 31, 2018
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Financial instruments represent off-balance sheet credit risk $ 80,138 $ 81,536
Future loan commitments    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Financial instruments represent off-balance sheet credit risk 3,910 3,157
Undisbursed construction loans    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Financial instruments represent off-balance sheet credit risk 11,188 16,289
Undisbursed home equity lines of credit    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Financial instruments represent off-balance sheet credit risk 9,716 9,532
Undisbursed commercial and other line of credit    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Financial instruments represent off-balance sheet credit risk 52,402 50,773
Standby letters of credit    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Financial instruments represent off-balance sheet credit risk $ 2,922 $ 1,785
XML 81 R71.htm IDEA: XBRL DOCUMENT v3.19.2
Regulatory Matters (Details) - USD ($)
$ in Thousands
Jun. 30, 2019
Dec. 31, 2018
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]    
Total capital (to risk-weighted assets) Actual Amount $ 116,098 $ 71,243
Total capital (to risk-weighted assets) Actual Ratio 14.69% 9.71%
Total capital (to risk-weighted assets) For Capital Adequacy Purposes Amount $ 63,232 $ 58,707
Total capital (to risk-weighted assets) For Capital Adequacy Purposes Ratio 8.00% 8.00%
Total capital (to risk-weighted assets) To be Well Capitalized under Prompt Corrective Action Provisions Amount $ 79,039 $ 73,383
Total capital (to risk-weighted assets) To be Well Capitalized under Prompt Corrective Action Provisions Ratio 10.00% 10.00%
Tier 1 capital (to risk-weighted assets) Actual Amount $ 108,240 $ 64,597
Tier 1 capital (to risk-weighted assets) Actual Ratio 13.69% 8.80%
Tier 1 capital (to risk-weighted assets) For Capital Adequacy Purposes Amount $ 47,424 $ 44,030
Tier 1 capital (to risk-weighted assets) For Capital Adequacy Purposes Ratio 6.00% 6.00%
Tier 1 capital (to risk-weighted assets) To be Well Capitalized under Prompt Corrective Action Provisions Amount $ 63,232 $ 58,707
Tier 1 capital (to risk-weighted assets) To be Well Capitalized under Prompt Corrective Action Provisions Ratio 8.00% 8.00%
Common equity tier one capital (to risk weighted assets) Actual Amount $ 108,240 $ 64,597
Common equity tier one capital (to risk weighted assets) Actual Ratio 13.69% 8.80%
Common equity tier one capital (to risk weighted assets) For Capital Adequacy Purposes Amount $ 35,568 $ 33,023
Common equity tier one capital (to risk weighted assets) For Capital Adequacy Purposes Ratio 4.50% 4.50%
Common equity tier one capital (to risk weighted assets) To be Well Capitalized under Prompt Corrective Action Provisions Amount $ 51,376 $ 47,699
Common equity tier one capital (to risk weighted assets) To be Well Capitalized under Prompt Corrective Action Provisions Ratio 6.50% 6.50%
Tier 1 capital (to average assets) Actual Amount $ 108,240 $ 64,597
Tier 1 capital (to average assets) Actual Ratio 11.92% 7.63%
Tier 1 capital (to average assets) For Capital Adequacy Purposes Amount $ 36,319 $ 33,849
Tier 1 capital (to average assets) For Capital Adequacy Purposes Ratio 4.00% 4.00%
Tier 1 capital (to average assets) To be Well Capitalized under Prompt Corrective Action Provisions Amount $ 45,398 $ 42,311
Tier 1 capital (to average assets) To be Well Capitalized under Prompt Corrective Action Provisions Ratio 5.00% 5.00%
Rhinebeck Bank    
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]    
Total capital (to risk-weighted assets) Actual Amount $ 107,591 $ 81,222
Total capital (to risk-weighted assets) Actual Ratio 13.62% 11.07%
Total capital (to risk-weighted assets) For Capital Adequacy Purposes Amount $ 63,219 $ 58,694
Total capital (to risk-weighted assets) For Capital Adequacy Purposes Ratio 8.00% 8.00%
Total capital (to risk-weighted assets) To be Well Capitalized under Prompt Corrective Action Provisions Amount $ 79,024 $ 73,368
Total capital (to risk-weighted assets) To be Well Capitalized under Prompt Corrective Action Provisions Ratio 10.00% 10.00%
Tier 1 capital (to risk-weighted assets) Actual Amount $ 99,733 $ 74,576
Tier 1 capital (to risk-weighted assets) Actual Ratio 12.62% 10.16%
Tier 1 capital (to risk-weighted assets) For Capital Adequacy Purposes Amount $ 47,414 $ 44,021
Tier 1 capital (to risk-weighted assets) For Capital Adequacy Purposes Ratio 6.00% 6.00%
Tier 1 capital (to risk-weighted assets) To be Well Capitalized under Prompt Corrective Action Provisions Amount $ 63,219 $ 58,694
Tier 1 capital (to risk-weighted assets) To be Well Capitalized under Prompt Corrective Action Provisions Ratio 8.00% 8.00%
Common equity tier one capital (to risk weighted assets) Actual Amount $ 99,733 $ 74,576
Common equity tier one capital (to risk weighted assets) Actual Ratio 12.62% 10.16%
Common equity tier one capital (to risk weighted assets) For Capital Adequacy Purposes Amount $ 35,561 $ 33,016
Common equity tier one capital (to risk weighted assets) For Capital Adequacy Purposes Ratio 4.50% 4.50%
Common equity tier one capital (to risk weighted assets) To be Well Capitalized under Prompt Corrective Action Provisions Amount $ 51,366 $ 47,689
Common equity tier one capital (to risk weighted assets) To be Well Capitalized under Prompt Corrective Action Provisions Ratio 6.50% 6.50%
Tier 1 capital (to average assets) Actual Amount $ 99,733 $ 74,576
Tier 1 capital (to average assets) Actual Ratio 11.04% 8.80%
Tier 1 capital (to average assets) For Capital Adequacy Purposes Amount $ 36,149 $ 33,901
Tier 1 capital (to average assets) For Capital Adequacy Purposes Ratio 4.00% 4.00%
Tier 1 capital (to average assets) To be Well Capitalized under Prompt Corrective Action Provisions Amount $ 45,186 $ 42,376
Tier 1 capital (to average assets) To be Well Capitalized under Prompt Corrective Action Provisions Ratio 5.00% 5.00%
XML 82 R72.htm IDEA: XBRL DOCUMENT v3.19.2
Fair Value (Details) - Recurring basis - USD ($)
$ in Thousands
Jun. 30, 2019
Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total $ 111,398 $ 101,312
U.S. Treasury securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total 0 2,971
U.S. government agency mortgage-backed securities-residential    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total 89,713 80,216
U.S. government agency securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total 19,847 16,468
Municipal securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total 1,247 1,232
Other    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total 591 425
Quoted Prices in Active Markets for Identical Assets (Level 1)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total 0 2,971
Quoted Prices in Active Markets for Identical Assets (Level 1) | U.S. Treasury securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total 0 2,971
Quoted Prices in Active Markets for Identical Assets (Level 1) | U.S. government agency mortgage-backed securities-residential    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total 0 0
Quoted Prices in Active Markets for Identical Assets (Level 1) | U.S. government agency securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total 0 0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Municipal securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total 0 0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Other    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total 0 0
Significant Observable Inputs (Level 2)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total 111,398 98,341
Significant Observable Inputs (Level 2) | U.S. Treasury securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total 0 0
Significant Observable Inputs (Level 2) | U.S. government agency mortgage-backed securities-residential    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total 89,713 80,216
Significant Observable Inputs (Level 2) | U.S. government agency securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total 19,847 16,468
Significant Observable Inputs (Level 2) | Municipal securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total 1,247 1,232
Significant Observable Inputs (Level 2) | Other    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total 591 425
Significant Unobservable Inputs (Level 3)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total 0 0
Significant Unobservable Inputs (Level 3) | U.S. Treasury securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total 0 0
Significant Unobservable Inputs (Level 3) | U.S. government agency mortgage-backed securities-residential    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total 0 0
Significant Unobservable Inputs (Level 3) | U.S. government agency securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total 0 0
Significant Unobservable Inputs (Level 3) | Municipal securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total 0 0
Significant Unobservable Inputs (Level 3) | Other    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total $ 0 $ 0
XML 83 R73.htm IDEA: XBRL DOCUMENT v3.19.2
Fair Value (Details 1) - Nonrecurring basis - USD ($)
$ in Thousands
Jun. 30, 2019
Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Assets held at fair value $ 196 $ 1,063
Impaired loans, with specific reserves    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Assets held at fair value 196 128
Other real estate owned    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Assets held at fair value 0 935
Quoted Prices in Active Markets for Identical Assets (Level 1)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Assets held at fair value 0 0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Impaired loans, with specific reserves    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Assets held at fair value 0 0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Other real estate owned    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Assets held at fair value 0 0
Significant Observable Inputs (Level 2)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Assets held at fair value 0 0
Significant Observable Inputs (Level 2) | Impaired loans, with specific reserves    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Assets held at fair value 0 0
Significant Observable Inputs (Level 2) | Other real estate owned    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Assets held at fair value 0 0
Significant Unobservable Inputs (Level 3)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Assets held at fair value 196 1,063
Significant Unobservable Inputs (Level 3) | Impaired loans, with specific reserves    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Assets held at fair value 196 128
Significant Unobservable Inputs (Level 3) | Other real estate owned    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Assets held at fair value $ 0 $ 935
XML 84 R74.htm IDEA: XBRL DOCUMENT v3.19.2
Fair Value (Details 2) - Nonrecurring basis
$ in Thousands
Jun. 30, 2019
USD ($)
Percent
Dec. 31, 2018
USD ($)
Percent
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Assets held at fair value | $ $ 196 $ 1,063
Impaired loans    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Assets held at fair value | $ 196 128
Other real estate owned    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Assets held at fair value | $ 0 935
Level 3    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Assets held at fair value | $ 196 1,063
Level 3 | Impaired loans    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Assets held at fair value | $ 196 128
Level 3 | Other real estate owned    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Assets held at fair value | $ $ 0 $ 935
Level 3 | Appraisal of collateral | Appraisal adjustments | Minimum | Impaired loans    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Impaired loans, unobservable input (in percent) | Percent [1],[2] 0 0
Level 3 | Appraisal of collateral | Appraisal adjustments | Minimum | Other real estate owned    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Other real estate owned, unobservable input (in percent) | Percent [1],[2] 0 0
Level 3 | Appraisal of collateral | Appraisal adjustments | Maximum | Impaired loans    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Impaired loans, unobservable input (in percent) | Percent [1],[2] 20 20
Level 3 | Appraisal of collateral | Appraisal adjustments | Maximum | Other real estate owned    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Other real estate owned, unobservable input (in percent) | Percent [1],[2] 20 6
Level 3 | Appraisal of collateral | Liquidation expenses | Minimum | Other real estate owned    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Other real estate owned, unobservable input (in percent) | Percent [2],[3] 0 0
Level 3 | Appraisal of collateral | Liquidation expenses | Maximum | Other real estate owned    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Other real estate owned, unobservable input (in percent) | Percent [2],[3] 6 6
[1] Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range of liquidation expenses and other appraisal adjustments are presented as a percent of the appraised value.
[2] Fair value is generally through independent appraisals of the underlying collateral that generally include various level 3 inputs which are not identifiable.
[3] Estimated costs to sell.
XML 85 R75.htm IDEA: XBRL DOCUMENT v3.19.2
Fair Value (Details 3) - USD ($)
$ in Thousands
Jun. 30, 2019
Dec. 31, 2018
Jun. 30, 2018
Dec. 31, 2017
Financial Assets:        
Cash and due from banks (Level 2) $ 11,969 $ 50,590 $ 12,408 $ 10,460
Available for sale securities (Level 2) 111,398 101,312    
Accrued interest receivable (Level 2) 2,874 2,523    
Financial Liabilities:        
Mortgagors escrow accounts (Level 2) 10,400 7,725    
Subordinated debt and other borrowings (Level 2) 5,155 5,155    
Level 2 | Carrying Value        
Financial Assets:        
Cash and due from banks (Level 2) 11,969 50,590    
Available for sale securities (Level 2) 111,398 101,312    
FHLB stock (Level 2) 3,355 1,883    
Accrued interest receivable (Level 2) 2,874 2,523    
Financial Liabilities:        
Deposits (Level 2) 716,858 684,418    
Mortgagors escrow accounts (Level 2) 10,400 7,725    
FHLB advances (Level 2) 64,541 31,598    
Subordinated debt and other borrowings (Level 2) 5,155 10,155    
Level 2 | Fair Value        
Financial Assets:        
Cash and due from banks (Level 2) 11,969 50,590    
Available for sale securities (Level 2) 111,398 101,312    
FHLB stock (Level 2) 3,355 1,883    
Accrued interest receivable (Level 2) 2,874 2,523    
Financial Liabilities:        
Deposits (Level 2) 700,242 683,163    
Mortgagors escrow accounts (Level 2) 10,400 7,725    
FHLB advances (Level 2) 64,541 31,598    
Subordinated debt and other borrowings (Level 2) 5,155 10,155    
Level 3 | Carrying Value        
Financial Assets:        
Loans, net (Level 3) 737,293 678,402    
Mortgage servicing rights (Level 3) 2,203 2,278    
Level 3 | Fair Value        
Financial Assets:        
Loans, net (Level 3) 737,182 674,287    
Mortgage servicing rights (Level 3) $ 4,138 $ 4,667    
XML 86 R76.htm IDEA: XBRL DOCUMENT v3.19.2
Accumulated Other Comprehensive Loss (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2019
Mar. 31, 2019
Jun. 30, 2018
Mar. 31, 2018
Jun. 30, 2019
Jun. 30, 2018
Accumulated Other Comprehensive Income (Loss) [Line Items]            
Balance   $ (7,012)     $ (7,012)  
Period change $ 1,561 1,096 $ 463 $ (1,074) 2,657 $ (611)
Balance (4,355)       (4,355)  
Accumulated Other Comprehensive Loss            
Accumulated Other Comprehensive Income (Loss) [Line Items]            
Balance [1] (5,916) (7,012) (8,029) (6,955) (7,012) (6,955)
Other comprehensive (loss) gain before reclassifications [1] 1,460   315   2,485 (760)
Amounts reclassified from accumulated other comprehensive loss [1] 101   148   172 149
Period change [1] 1,561   463   2,657 (611)
Balance [1] (4,355) (5,916) (7,566) (8,029) (4,355) (7,566)
Accumulated Other Comprehensive Loss | Defined Benefit Pension Plan            
Accumulated Other Comprehensive Income (Loss) [Line Items]            
Balance [1] (284) (339) (534) (534) (339) (534)
Other comprehensive (loss) gain before reclassifications [1] (32)   650   (48) 650
Amounts reclassified from accumulated other comprehensive loss [1],[2] 70   148   141 148
Period change [1] 38   798   93 798
Balance [1] (246) (284) 264 (534) (246) 264
Accumulated Other Comprehensive Loss | Unrealized gains (losses) on available for sale securities            
Accumulated Other Comprehensive Income (Loss) [Line Items]            
Balance [1] (5,632) (6,673) (7,495) (6,421) (6,673) (6,421)
Other comprehensive (loss) gain before reclassifications [1] 1,492   (335)   2,533 (1,410)
Amounts reclassified from accumulated other comprehensive loss [1],[3] 31   0   31 1
Period change [1] 1,523   (335)   2,564 (1,409)
Balance [1] $ (4,109) $ (5,632) $ (7,830) $ (7,495) $ (4,109) $ (7,830)
[1] All amounts are net of tax. Related income tax expense or benefit is calculated using an income tax rate of 21.0 %.
[2] Included in the computation of net periodic pension cost. See Note 9, "Employee Benefits" for additional details.
[3] For additional details related to unrealized gains and losses on securities and related amounts reclassified from accumulated other comprehensive loss see Note 2, "Investment Securities."
XML 87 R77.htm IDEA: XBRL DOCUMENT v3.19.2
Accumulated Other Comprehensive Loss (Details 1) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2019
Jun. 30, 2018
Jun. 30, 2019
Jun. 30, 2018
Accumulated Other Comprehensive Income (Loss) [Line Items]        
Provision for income taxes $ 305 $ 147 $ 530 $ 279
Amount Reclassified from Accumulated Other Comprehensive Income (Loss)        
Accumulated Other Comprehensive Income (Loss) [Line Items]        
Total reclassifications for the period [1] (101) (148) (172) (149)
Amount Reclassified from Accumulated Other Comprehensive Income (Loss) | Available-for-sale Securities        
Accumulated Other Comprehensive Income (Loss) [Line Items]        
Total reclassifications for the period [1],[2] (31) 0 (31) (1)
Amount Reclassified from Accumulated Other Comprehensive Income (Loss) | Available-for-sale Securities | Net securities losses reclassified into earnings        
Accumulated Other Comprehensive Income (Loss) [Line Items]        
Net realized loss on sales and calls of securities [1],[2] (40) 0 (40) (1)
Amount Reclassified from Accumulated Other Comprehensive Income (Loss) | Available-for-sale Securities | Related income tax expense        
Accumulated Other Comprehensive Income (Loss) [Line Items]        
Provision for income taxes [1],[2] 9 0 9 0
Amount Reclassified from Accumulated Other Comprehensive Income (Loss) | Defined Benefit Pension Plan        
Accumulated Other Comprehensive Income (Loss) [Line Items]        
Total reclassifications for the period [1],[3] (70) (148) (141) (148)
Amount Reclassified from Accumulated Other Comprehensive Income (Loss) | Defined Benefit Pension Plan | Amortization of net loss and prior service costs        
Accumulated Other Comprehensive Income (Loss) [Line Items]        
Net realized loss on sales and calls of securities [1],[3]     (179) (187)
Salaries and employee benefits [1],[3] (89) (187)    
Amount Reclassified from Accumulated Other Comprehensive Income (Loss) | Defined Benefit Pension Plan | Related income tax expense        
Accumulated Other Comprehensive Income (Loss) [Line Items]        
Provision for income taxes [1],[3] $ 19 $ 39 $ 38 $ 39
[1] All amounts are net of tax. Related income tax expense or benefit is calculated using an income tax rate of 21.0 %.
[2] For additional details related to unrealized gains and losses on securities and related amounts reclassified from accumulated other comprehensive loss see Note 2, "Investment Securities."
[3] Included in the computation of net periodic pension cost. See Note 9, "Employee Benefits" for additional details.
XML 88 R78.htm IDEA: XBRL DOCUMENT v3.19.2
Accumulated Other Comprehensive Loss (Detail Textuals)
6 Months Ended
Jun. 30, 2019
Comprehensive Income (Loss), Net of Tax [Abstract]  
Income tax rate 21.00%
XML 89 R79.htm IDEA: XBRL DOCUMENT v3.19.2
Earnings Per Share (Details) - USD ($)
$ / shares in Units, $ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2019
Mar. 31, 2019
Jun. 30, 2018
Mar. 31, 2018
Jun. 30, 2019
Jun. 30, 2018
Dec. 31, 2018
Earnings Per Share [Abstract]              
Net income applicable to common stock $ 1,221 $ 911 $ 579 $ 616 $ 2,132 $ 1,195  
Average number of common shares outstanding 11,133,290       11,133,290   11,133,290
Less: Average unallocated ESOP shares 428,243       430,970    
Average number of common shares outstanding used to calculate basic earnings per common share 10,705,047       10,702,320    
Earnings per Common share:              
Basic (in dollars per share) $ 0.11       $ 0.20    
Diluted (in dollars per share) $ 0.11       $ 0.20    
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