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