Allowance For Credit Losses (Tables)

6 Months Ended

Jun. 30, 2019

Allowance for Credit Losses [Abstract]

Age Analysis of Past Due Loans Receivables

	June 30, 2019
													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	$	972	$	378	$	610	$	1,960	$	96,842	$	98,802	$	142
Commercial mortgage (less acquired with credit deterioration)		47		-		625		672		519,867		520,539		63
Acquired commercial mortgage with credit deterioration		-		-		-		-		521		521		-
Commercial:
Commercial term		920		-		296		1,216		178,078		179,294		-
Commercial construction		-		-		-		-		77,060		77,060		-
Consumer:
Home equity		168		120		143		431		49,061		49,492		-
Other		85		2		88		175		4,638		4,813		-
Total	$	2,192	$	500	$	1,762	$	4,454	$	926,067	$	930,521	$	205

	December 31, 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	$	666	$	1,742	$	845	$	3,253	$	96,679	$	99,932	$	130
Commercial mortgage (less acquired with credit deterioration)		-		-		840		840		534,739		535,579		103
Acquired commercial mortgage with credit deterioration		-		-		-		-		156		156		-
Commercial:
Commercial term		20		37		957		1,014		165,321		166,335		-
Commercial construction		-		-		-		-		76,302		76,302		-
Consumer:
Home equity		398		144		247		789		50,747		51,536		-
Other		26		-		108		134		4,997		5,131		-
Total	$	1,110	$	1,923	$	2,997	$	6,030	$	928,941	$	934,971	$	233

Impaired Loans by Loan Portfolio

		June 30, 2019						December 31, 2018
	Recorded		Unpaid		Related		Recorded		Unpaid		Related
	Investment		Principal		Allowance		Investment		Principal		Allowance
(Dollars in thousands)			Balance						Balance
With no related allowance recorded:
Residential mortgage	$	2,759	$	3,110	$	-	$	1,462	$	1,804	$	-
Commercial mortgage		1,513		1,766		-		1,532		1,780		-
Acquired commercial mortgage with credit deterioration		521		535		-		514		527
Commercial:
Commercial term		1,309		1,841		-		1,343		1,845		-
Commercial construction		2,274		2,321		-		476		514		-
Consumer:
Home equity		279		284		-		531		535		-
Other		168		242		-		156		205		-
Total	$	8,823	$	10,099	$	-	$	6,014	$	7,210	$	-
With allowance recorded:
Residential mortgage		-		-		-		73		73		1
Commercial mortgage		-		-		-		737		802		78
Commercial:
Commercial term		717		744		161		957		1,015		203
Consumer:
Other		-		-		-		41		42		3
Total	$	717	$	744	$	161	$	1,808	$	1,932	$	285
Total:
Residential mortgage		2,759		3,110		-		1,535		1,877		1
Commercial mortgage		1,513		1,766		-		2,269		2,582		78
Acquired commercial mortgage with credit deterioration		521		535		-		514		527		-
Commercial:
Commercial term		2,026		2,585		161		2,300		2,860		203
Commercial construction		2,274		2,321		-		476		514		-
Consumer:
Home equity		279		284		-		531		535		-
Other		168		242		-		197		247		3
Total	$	9,540	$	10,843	$	161	$	7,822	$	9,142	$	285

	Three Months Ended		Three Months Ended		Six Months Ended		Six Months Ended
	June 30, 2019		June 30, 2018		June 30, 2019		June 30, 2018
	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	$           2,770	$                16	$           2,109	$                  5	$           2,358	$                18	$           2,042	$                  6
Commercial mortgage	1,845	12	2,597	12	1,986	24	2,668	24
Acquired commercial mortgage with credit deterioration	521	9	654	8	519	18	748	15
Commercial:
Commercial term	1,318	-	2,024	-	1,326	-	1,931	-
Commercial construction	1,137	-	493	-	758	-	500	-
Consumer:
Home equity	404	3	624	2	447	4	620	4
Other	172	-	207	-	180	1	177	-
Total	$           8,167	$                40	$           8,708	$                27	$           7,574	$                65	$           8,686	$                49
With allowance recorded:
Residential mortgage	-	-	37	-	-	-	25	-
Acquired residential mortgage with credit deterioration	-	-	-	-	-	-	2	-
Commercial mortgage	-	-	81	-	-	-	60	-
Commercial:
Commercial term	717	-	774	-	797	-	628	-
Consumer:
Other	-	-	71	-	-	-	90	-
Total	$              717	$                   -	$              963	$                   -	$              797	$                   -	$              805	$                   -
Total:
Residential mortgage	2,770	16	2,146	5	2,358	18	2,067	6
Acquired residential mortgage with credit deterioration	-	-	-	-	-	-	2	-
Commercial mortgage	1,845	12	2,678	12	1,986	24	2,728	24
Acquired commercial mortgage with credit deterioration	521	9	654	8	519	18	748	15
Commercial:
Commercial term	2,035	-	2,798	-	2,123	-	2,559	-
Commercial construction	1,137	-	493	-	758	-	500	-
Consumer:
Home equity	404	3	624	2	447	4	620	4
Other	172	-	278	-	180	1	267	-
Total	$           8,884	$                40	$           9,671	$                27	$           8,371	$                65	$           9,491	$                49

Credit Quality Indicators

	June 30, 2019
			Special
(Dollars in thousands)	Pass		Mention		Substandard		Doubtful		Total
Residential mortgage	$	96,078	$	142	$	2,582	$	-	$	98,802
Commercial mortgage		504,508		13,387		3,165		-		521,060
Commercial:
Commercial term		174,507		695		4,092		-		179,294
Commercial construction		73,325		935		2,800		-		77,060
Consumer:
Home equity		49,198		151		143		-		49,492
Other		4,674		-		139		-		4,813
Total	$	902,290	$	15,310	$	12,921	$	-	$	930,521

	December 31, 2018
			Special
(Dollars in thousands)	Pass		Mention		Substandard		Doubtful		Total
Residential mortgage	$	97,577	$	-	$	2,355	$	-	$	99,932
Commercial mortgage		528,692		2,367		4,676		-		535,735
Commercial:
Commercial term		161,051		1,178		4,106		-		166,335
Commercial construction		72,077		3,603		622		-		76,302
Consumer:
Home equity		50,988		143		405		-		51,536
Other		4,924		-		207		-		5,131
Total	$	915,309	$	7,291	$	12,371	$	-	$	934,971

Recorded Investments in Troubled Debt Restructured Loans

	June 30, 2019
	Pre-Modification		Post-Modification
(Dollars in thousands)	Outstanding Recorded Investment		Outstanding Recorded Investment		Recorded Investment
Residential mortgage	$	2,155	$	2,308	$	2,110
Commercial mortgage		992		992		950
Commercial term		421		421		421
Consumer:
Home equity		148		148		136
Other		40		42		30
Total	$	3,756	$	3,911	$	3,647
	December 31, 2018
	Pre-Modification		Post-Modification
(Dollars in thousands)	Outstanding Recorded Investment		Outstanding Recorded Investment		Recorded Investment
Residential mortgage	$	676	$	805	$	630
Commercial mortgage		992		992		962
Consumer:
Home equity		148		148		140
Other		40		42		30
Total	$	1,856	$	1,987	$	1,762

Allowance for Credit Losses and Recorded Investments In Loans Receivables

	Residential		Commercial		Commercial		Commercial		Consumer		Consumer
(Dollars in thousands)	Mortgage		Mortgage		Term		Construction		Home Equity		Other		Unallocated		Total
Allowance for credit losses:
Beginning balance - April 1, 2019	$	156	$	3,493	$	1,189	$	1,080	$	183	$	43	$	575	$	6,719
Charge-offs		-		(23)		(22)		-		(128)		-		-		(173)
Recoveries		-		7		19		-		-		-		-		26
Provisions		(23)		102		(42)		(48)		154		(4)		(39)		100
Ending balance - June 30, 2019	$	133	$	3,579	$	1,144	$	1,032	$	209	$	39	$	536	$	6,672

	Residential		Commercial		Commercial		Commercial		Consumer		Consumer
(Dollars in thousands)	Mortgage		Mortgage		Term		Construction		Home Equity		Other		Unallocated		Total
Allowance for credit losses:
Beginning balance - January 1, 2019	$	161	$	3,647	$	1,062	$	1,032	$	190	$	46	$	537	$	6,675
Charge-offs		-		(105)		(91)		-		(128)		(17)		-		(341)
Recoveries		4		7		27		-		-		-		-		38
Provisions		(32)		30		146		-		147		10		(1)		300
Ending balance - June 30, 2019	$	133	$	3,579	$	1,144	$	1,032	$	209	$	39	$	536	$	6,672
Ending balance: individually evaluated for impairment	$	-	$	-	$	161	$	-	$	-	$	-	$	-	$	161
Ending balance: collectively evaluated for impairment	$	133	$	3,579	$	983	$	1,032	$	209	$	39	$	536	$	6,511
Loans receivables:
Ending balance	$	98,802	$	521,060	$	179,294	$	77,060	$	49,492	$	4,813			$	930,521
Ending balance: individually evaluated for impairment	$	2,759	$	1,513	$	2,026	$	2,274	$	279	$	168			$	9,019
Ending balance: acquired with credit deterioration	$	-	$	521	$	-	$	-	$	-	$	-			$	521
Ending balance: collectively evaluated for impairment	$	96,043	$	519,026	$	177,268	$	74,786	$	49,213	$	4,645			$	920,981
Reserve for unfunded loan commitments included in other liabilities	$	-	$	2	$	189	$	209	$	20	$	-			$	420

	Residential		Commercial		Commercial		Commercial		Consumer		Consumer
(Dollars in thousands)	Mortgage		Mortgage		Term		Construction		Home Equity		Other		Unallocated		Total
Allowance for credit losses:
Beginning balance - April 1, 2018	$	226	$	2,987	$	904	$	1,219	$	176	$	55	$	578	$	6,145
Charge-offs		(103)		(171)		(47)		-		-		(37)		-		(358)
Recoveries		25		-		-		-		-		1		-		26
Provisions		59		260		32		136		20		30		(162)		375
Ending balance - June 30, 2018	$	207	$	3,076	$	889	$	1,355	$	196	$	49	$	416	$	6,188

	Residential		Commercial		Commercial		Commercial		Consumer		Consumer
(Dollars in thousands)	Mortgage		Mortgage		Term		Construction		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)		(64)		-		-		(49)		-		(434)
Recoveries		26		-		2		-		-		1		-		29
Provisions		97		404		106		227		13		34		(131)		750
Ending balance - June 30, 2018	$	207	$	3,076	$	889	$	1,355	$	196	$	49	$	416	$	6,188
Reserve for unfunded loan commitments included in other liabilities	$	-	$	3	$	183	$	201	$	21	$	-			$	408

	Residential		Commercial		Commercial		Commercial		Consumer		Consumer
(Dollars in thousands)	Mortgage		Mortgage		Term		Construction		Home Equity		Other		Unallocated		Total
Allowance for credit losses:
Ending balance - December 31, 2018	$	161	$	3,647	$	1,062	$	1,032	$	190	$	46	$	537	$	6,675
Ending balance: individually evaluated for impairment	$	1	$	78	$	203	$	-	$	-	$	3	$	-	$	285
Ending balance: collectively evaluated for impairment	$	160	$	3,569	$	859	$	1,032	$	190	$	43	$	537	$	6,390
Loans receivables:
Ending balance	$	99,932	$	535,735	$	166,335	$	76,302	$	51,536	$	5,131			$	934,971
Ending balance: individually evaluated for impairment	$	1,535	$	2,269	$	2,300	$	476	$	531	$	197			$	7,308
Ending balance: acquired with credit deterioration	$	-	$	514	$	-	$	-	$	-	$	-			$	514
Ending balance: collectively evaluated for impairment	$	98,397	$	532,952	$	164,035	$	75,826	$	51,005	$	4,934			$	927,149
Reserve for unfunded loan commitments included in other liabilities	$	-	$	4	$	167	$	206	$	21	$	-			$	398