Loans

3 Months Ended

Mar. 31, 2019

Loans [Abstract]

Loans

NOTE 3: LOANS

The following table sets forth information concerning the composition of total loans outstanding, as of the dates indicated.

(Dollars in thousands)	March 31, 2019		December 31, 2018
Residential mortgage	$	101,039	$	99,932
Commercial mortgage		517,236		535,735
Commercial:
Commercial term		182,077		166,335
Commercial construction		78,967		76,302
Consumer:
Home equity		49,412		51,536
Other		4,966		5,131
Total loans	$	933,697	$	934,971
Less allowance for credit losses		(6,719)		(6,675)
Net loans	$	926,978	$	928,296

Information concerning non-accrual loans is shown in the following tables:

					Three Months Ended March 31, 2019
(Dollars in thousands)	March 31, 2019		December 31, 2018		Interest income that would have been recorded under original terms		Interest income recorded during the period		Net impact on interest income
Non-accrual loans:
Residential mortgage	$	792	$	905	$	12	$	-	$	12
Commercial mortgage		1,221		1,307		26		-		26
Commercial:
Commercial term		2,045		2,300		43		-		43
Commercial construction		-		476		-		-		-
Consumer:
Home equity		391		391		7		-		7
Other		145		167		3		-		3
Total non-accrual loans	$	4,594	$	5,546	$	91	$	-	$	91
Loans 90 days past due and accruing		-		233		-		-		-
Total non-performing loans	$	4,594	$	5,779	$	91	$	-	$	91

			Three Months Ended March 31, 2018
(Dollars in thousands)	March 31, 2018		Interest income that would have been recorded under original terms		Interest income recorded during the period		Net impact on interest income
Non-accrual loans:
Residential mortgage	$	2,033	$	25	$	-	$	25
Commercial mortgage		2,088		30		-		30
Commercial:
Commercial term		3,015		44		-		44
Commercial construction		497		11		-		11
Consumer:
Home equity		464		5		-		5
Other		311		8		-		8
Total non-accrual loans	$	8,408	$	123	$	-	$	123
Loans 90 days past due and accruing		-		-		-		-
Total non-performing loans	$	8,408	$	123	$	-	$	123