Allowance For Credit Losses (Tables)

9 Months Ended

Sep. 30, 2018

Allowance for Credit Losses [Abstract]

Age Analysis of Past Due Loans Receivables

	September 30, 2018
													Loans
	30-59		60-89										Receivable
	Days		Days		Greater						Total		> 90
	Past		Past		than		Total				Loans		Days and
(Dollars in thousands)	Due		Due		90 Days		Past Due		Current		Receivable		Accruing
Residential mortgage	$	1,063	$	261	$	585	$	1,909	$	101,184	$	103,093	$	-
Commercial mortgage (less acquired with credit deterioration)		177		-		960		1,137		522,861		523,998		-
Acquired commercial mortgage with credit deterioration		-		-		-		-		674		674		-
Commercial:
Commercial term		354		172		1,094		1,620		139,190		140,810		-
Commercial construction		-		-		-		-		81,297		81,297		-
Consumer:
Home equity		152		-		481		633		52,577		53,210		-
Other		5		-		109		114		5,097		5,211		-
Total	$	1,751	$	433	$	3,229	$	5,413	$	902,880	$	908,293	$	-

	December 31, 2017
													Loans
	30-59		60-89										Receivable
	Days		Days		Greater						Total		> 90
	Past		Past		than		Total				Loans		Days and
(Dollars in thousands)	Due		Due		90 Days		Past Due		Current		Receivable		Accruing
Residential mortgage (less acquired with credit deterioration)	$	887	$	349	$	1,148	$	2,384	$	91,568	$	93,952	$	-
Acquired residential mortgage with credit deterioration		-		-		7		7		-		7		-
Commercial mortgage (less acquired with credit deterioration)		221		-		1,126		1,347		483,105		484,452		-
Acquired commercial mortgage with credit deterioration		-		-		416		416		-		416		-
Commercial:
Commercial term		381		13		1,654		2,048		127,487		129,535		-
Commercial construction		514		-		-		514		74,500		75,014		-
Consumer:
Home equity		15		-		386		401		56,443		56,844		-
Other		13		139		156		308		5,369		5,677		54
Total	$	2,031	$	501	$	4,893	$	7,425	$	838,472	$	845,897	$	54

Impaired Loans by Loan Portfolio

		September 30, 2018						December 31, 2017
	Recorded		Unpaid		Related		Recorded		Unpaid		Related
	Investment		Principal		Allowance		Investment		Principal		Allowance
(Dollars in thousands)			Balance						Balance
With no related allowance recorded:
Residential mortgage	$	1,573	$	1,909	$	-	$	1,908	$	2,210	$	-
Commercial mortgage		2,406		2,706		-		2,809		3,207		-
Acquired commercial mortgage with credit deterioration		521		535		-		936		950
Commercial:
Commercial term		1,367		1,848		-		1,743		2,253		-
Commercial construction		479		514		-		514		514		-
Consumer:
Home equity		772		776		-		612		632		-
Other		159		207		-		117		117		-
Total	$	7,277	$	8,495	$	-	$	8,639	$	9,883	$	-
With allowance recorded:
Residential mortgage		74		74		1		-		-		-
Acquired residential mortgage with credit deterioration		-		-		-		7		26		3
Commercial mortgage		122		237		18		19		93		19
Commercial:
Commercial term		1,257		1,379		319		337		343		123
Consumer:
Other		42		42		3		128		129		12
Total	$	1,495	$	1,732	$	341	$	491	$	591	$	157
Total:
Residential mortgage		1,647		1,983		1		1,908		2,210		-
Acquired residential mortgage with credit deterioration		-		-		-		7		26		3
Commercial mortgage		2,528		2,943		18		2,828		3,300		19
Acquired commercial mortgage with credit deterioration		521		535		-		936		950		-
Commercial:
Commercial term		2,624		3,227		319		2,080		2,596		123
Commercial construction		479		514		-		514		514		-
Consumer:
Home equity		772		776		-		612		632		-
Other		201		249		3		245		246		12
Total	$	8,772	$	10,227	$	341	$	9,130	$	10,474	$	157

		Three Months Ended				Three Months Ended				Nine Months Ended				Nine Months Ended
		September 30, 2018				September 30, 2017				September 30, 2018				September 30, 2017
	Average		Interest		Average		Interest		Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income		Recorded		Income		Recorded		Income
(Dollars in thousands)	Investment		Recognized		Investment		Recognized		Investment		Recognized		Investment		Recognized
With no related allowance recorded:
Residential mortgage	$	1,748	$	6	$	1,758	$	-	$	1,925	$	12	$	1,448	$	-
Acquired residential mortgage with credit deterioration		-		-		6		-		-		-		8		-
Commercial mortgage		2,446		13		2,210		3		2,602		37		2,023		3
Acquired commercial mortgage with credit deterioration		521		9		1,141		-		691		24		1,272		-
Commercial:
Commercial term		1,662		-		1,508		-		1,790		-		978		-
Commercial construction		484		-		447		-		495		-		734		-
Consumer:
Home equity		706		1		584		3		658		5		580		7
Other		182		1		94		-		173		1		103		-
Total	$	7,749	$	30	$	7,748	$	6	$	8,334	$	79	$	7,146	$	10
With allowance recorded:
Residential mortgage		74		1		174		-		37		1		416		-
Acquired residential mortgage with credit deterioration		-		-		6		-		2		-		3		-
Commercial mortgage		100		-		11		-		76		-		6		-
Acquired commercial mortgage with credit deterioration		-		-		-		-		-		-		-		-
Commercial:
Commercial term		941		-		-		-		786		-		322		-
Commercial construction		-		-		-		-		-		-		112		-
Consumer:
Other		42		-		216		-		78		-		179		-
Total	$	1,157	$	1	$	407	$	-	$	979	$	1	$	1,038	$	-
Total:
Residential mortgage		1,822		7		1,932		-		1,962		13		1,864		-
Acquired residential mortgage with credit deterioration		-		-		12		-		2		-		11		-
Commercial mortgage		2,546		13		2,221		3		2,678		37		2,029		3
Acquired commercial mortgage with credit deterioration		521		9		1,141		-		691		24		1,272		-
Commercial:
Commercial term		2,603		-		1,508		-		2,576		-		1,300		-
Commercial construction		484		-		447		-		495		-		846		-
Consumer:
Home equity		706		1		584		3		658		5		580		7
Other		224		1		310		-		251		1		282		-
Total	$	8,906	$	31	$	8,155	$	6	$	9,313	$	80	$	8,184	$	10

Credit Quality Indicators

	September 30, 2018
			Special
(Dollars in thousands)	Pass		Mention		Substandard		Doubtful		Total
Residential mortgage	$	102,002	$	-	$	1,091	$	-	$	103,093
Commercial mortgage		517,742		1,959		4,971		-		524,672
Commercial:
Commercial term		137,170		346		3,294		-		140,810
Commercial construction		77,171		3,605		521		-		81,297
Consumer:
Home equity		52,420		144		646		-		53,210
Other		5,002		-		209		-		5,211
Total	$	891,507	$	6,054	$	10,732	$	-	$	908,293

	December 31, 2017
			Special
(Dollars in thousands)	Pass		Mention		Substandard		Doubtful		Total
Residential mortgage	$	91,993	$	-	$	1,966	$	-	$	93,959
Commercial mortgage		479,308		125		5,435		-		484,868
Commercial:
Commercial term		125,926		115		3,494		-		129,535
Commercial construction		73,902		-		1,112		-		75,014
Consumer:
Home equity		56,085		-		759		-		56,844
Other		5,432		-		245		-		5,677
Total	$	832,646	$	240	$	13,011	$	-	$	845,897

Recorded Investments in Troubled Debt Restructured Loans

	September 30, 2018
	Pre-Modification		Post-Modification
(Dollars in thousands)	Outstanding Recorded Investment		Outstanding Recorded Investment		Recorded Investment
Residential mortgage	$	676	$	805	$	643
Commercial mortgage		992		992		967
Consumer:
Home equity		148		148		141
Other		40		42		30
Total	$	1,856	$	1,987	$	1,781
	December 31, 2017
	Pre-Modification		Post-Modification
(Dollars in thousands)	Outstanding Recorded Investment		Outstanding Recorded Investment		Recorded Investment
Residential mortgage	$	603	$	732	$	690
Commercial mortgage		992		992		982
Consumer:
Home equity		148		148		146
Other		40		42		39
Total	$	1,783	$	1,914	$	1,857

Allowance for Credit Losses and Recorded Investments In Loans Receivables

	Residential		Commercial		Commercial		Commercial		Lease		Consumer		Consumer
(Dollars in thousands)	Mortgage		Mortgage		Term		Construction		Financing		Home Equity		Other		Unallocated		Total
Allowance for credit losses:
Beginning balance - July 1, 2018	$	207	$	3,076	$	889	$	1,355	$	-	$	196	$	49	$	416	$	6,188
Charge-offs		-		-		(15)		-		-		-		(23)		-		(38)
Recoveries		308		-		-		-		-		-		1		-		309
Provisions		(352)		213		113		(287)		-		-		21		392		100
Ending balance - September 30, 2018	$	163	$	3,289	$	987	$	1,068	$	-	$	196	$	48	$	808	$	6,559

	Residential		Commercial		Commercial		Commercial		Lease		Consumer		Consumer
(Dollars in thousands)	Mortgage		Mortgage		Term		Construction		Financing		Home Equity		Other		Unallocated		Total
Allowance for credit losses:
Beginning balance - January 1, 2018	$	221	$	2,856	$	845	$	1,128	$	-	$	183	$	63	$	547	$	5,843
Charge-offs		(137)		(184)		(79)		-		-		-		(72)		-		(472)
Recoveries		334		-		2		-		-		-		2		-		338
Provisions		(255)		617		219		(60)		-		13		55		261		850
Ending balance - September 30, 2018	$	163	$	3,289	$	987	$	1,068	$	-	$	196	$	48	$	808	$	6,559
Ending balance: individually evaluated for impairment	$	1	$	18	$	319	$	-	$	-	$	-	$	3	$	-	$	341
Ending balance: collectively evaluated for impairment	$	162	$	3,271	$	668	$	1,068	$	-	$	196	$	45	$	808	$	6,218
Loans receivables:
Ending balance	$	103,093	$	524,672	$	140,810	$	81,297	$	-	$	53,210	$	5,211			$	908,293
Ending balance: individually evaluated for impairment	$	1,647	$	2,528	$	2,624	$	479	$	-	$	772	$	201			$	8,251
Ending balance: acquired with credit deterioration	$	-	$	521	$	-	$	-	$	-	$	-	$	-			$	521
Ending balance: collectively evaluated for impairment	$	101,446	$	521,623	$	138,186	$	80,818	$	-	$	52,438	$	5,010			$	899,521
Reserve for unfunded loan commitments included in other liabilities	$	-	$	3	$	176	$	186	$	-	$	21	$	-			$	386

	Residential		Commercial		Commercial		Commercial		Lease		Consumer		Consumer
(Dollars in thousands)	Mortgage		Mortgage		Term		Construction		Financing		Home Equity		Other		Unallocated		Total
Allowance for credit losses:
Beginning balance - July 1, 2017	$	245	$	2,634	$	625	$	1,208	$	-	$	189	$	84	$	282	$	5,267
Charge-offs		-		(36)		(14)		-		-		-		-		-		(50)
Recoveries		-		-		1		-		-		-		1		-		2
Provisions		1		200		36		(102)		-		(3)		(4)		247		375
Ending balance - September 30, 2017	$	246	$	2,798	$	648	$	1,106	$	-	$	186	$	81	$	529	$	5,594

	Residential		Commercial		Commercial		Commercial		Lease		Consumer		Consumer
(Dollars in thousands)	Mortgage		Mortgage		Term		Construction		Financing		Home Equity		Other		Unallocated		Total
Allowance for credit losses:
Beginning balance - January 1, 2017	$	349	$	2,531	$	709	$	969	$	-	$	196	$	61	$	558	$	5,373
Charge-offs		-		(519)		(610)		-		-		-		(10)		-		(1,139)
Recoveries		2		50		20		-		1		-		2		-		75
Provisions		(105)		736		529		137		(1)		(10)		28		(29)		1,285
Ending balance - September 30, 2017	$	246	$	2,798	$	648	$	1,106	$	-	$	186	$	81	$	529	$	5,594
Reserve for unfunded loan commitments included in other liabilities	$	-	$	3	$	150	$	139	$	-	$	17	$	-			$	309

	Residential		Commercial		Commercial		Commercial		Lease		Consumer		Consumer
(Dollars in thousands)	Mortgage		Mortgage		Term		Construction		Financing		Home Equity		Other		Unallocated		Total
Allowance for credit losses:
Ending balance - December 31, 2017	$	221	$	2,856	$	845	$	1,128	$	-	$	183	$	63	$	547	$	5,843
Ending balance: individually evaluated for impairment	$	3	$	19	$	123	$	-	$	-	$	-	$	12	$	-	$	157
Ending balance: collectively evaluated for impairment	$	218	$	2,837	$	722	$	1,128	$	-	$	183	$	51	$	547	$	5,686
Loans receivables:
Ending balance	$	93,959	$	484,868	$	129,535	$	75,014	$	-	$	56,844	$	5,677			$	845,897
Ending balance: individually evaluated for impairment	$	1,908	$	2,828	$	2,080	$	514	$	-	$	612	$	245			$	8,187
Ending balance: acquired with credit deterioration	$	7	$	936	$	-	$	-	$	-	$	-	$	-			$	943
Ending balance: collectively evaluated for impairment	$	92,044	$	481,104	$	127,455	$	74,500	$	-	$	56,232	$	5,432			$	836,767
Reserve for unfunded loan commitments included in other liabilities	$	-	$	2	$	155	$	173	$	-	$	18	$	-			$	348