Loan Quality and Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2018

Loan Quality and Allowance for Loan Losses [Abstract]

Allowance For Loan Losses, By Loan Segment

The following table presents, by class, the activity in the Allowance for Loan Losses (ALL) for the periods ended:

	Residential Real Estate 1-4 Family
	First		Junior Liens &				Commercial
(Dollars in thousands)	Liens		Lines of Credit		Construction		Real Estate		Commercial		Consumer		Unallocated		Total
ALL at March 31, 2018	$	1,043	$	320	$	260	$	6,698	$	2,073	$	104	$	1,491	$	11,989
Charge-offs		—		—		—		—		(8,736)		(29)		—		(8,765)
Recoveries		—		—		—		16		108		5		—		129
Provision		(21)		(2)		22		314		8,788		27		1		9,129
ALL at June 30, 2018	$	1,022	$	318	$	282	$	7,028	$	2,233	$	107	$	1,492	$	12,482
ALL at December 31, 2017	$	1,060	$	330	$	224	$	6,526	$	2,110	$	105	$	1,437	$	11,792
Charge-offs		—		—		—		—		(8,736)		(55)		—		(8,791)
Recoveries		1		—		—		16		116		19		—		152
Provision		(39)		(12)		58		486		8,743		38		55		9,329
ALL at June 30, 2018	$	1,022	$	318	$	282	$	7,028	$	2,233	$	107	$	1,492	$	12,482
ALL at March 31, 2017	$	1,100	$	321	$	274	$	6,126	$	1,984	$	99	$	1,374	$	11,278
Charge-offs		(5)		—		—		(5)		(2)		(24)		—		(36)
Recoveries		—		1		—		—		4		10		—		15
Provision		(20)		—		7		(69)		37		15		80		50
ALL at June 30, 2017	$	1,075	$	322	$	281	$	6,052	$	2,023	$	100	$	1,454	$	11,307
ALL at December 31, 2016	$	1,105	$	323	$	224	$	6,109	$	1,893	$	100	$	1,321	$	11,075
Charge-offs		(13)		—		—		(5)		(2)		(52)		—		(72)
Recoveries		1		1		—		—		106		26		—		134
Provision		(18)		(2)		57		(52)		26		26		133		170
ALL at June 30, 2017	$	1,075	$	322	$	281	$	6,052	$	2,023	$	100	$	1,454	$	11,307

The following table presents, by class, loans that were evaluated for the ALL under the specific reserve (individually) and those that were evaluated under the general reserve (collectively) and the amount of the ALL established in each class as of June 30, 2018and December 31, 2017:

	Residential Real Estate 1-4 Family
	First		Junior Liens &				Commercial
(Dollars in thousands)	Liens		Lines of Credit		Construction		Real Estate		Commercial		Consumer		Unallocated		Total
June 30, 2018
Loans evaluated for ALL:
Individually	$	450	$	—	$	462	$	10,754	$	3,133	$	—	$	—	$	14,799
Collectively		151,896		48,529		12,015		454,146		280,927		4,984		—		952,497
Total	$	152,346	$	48,529	$	12,477	$	464,900	$	284,060	$	4,984	$	—	$	967,296
ALL established for   loans evaluated:
Individually	$	—	$	—	$	—	$	—	$	225	$	—	$	—	$	225
Collectively		1,022		318		282		7,028		2,008		107		1,492		12,257
ALL at June 30, 2018	$	1,022	$	318	$	282	$	7,028	$	2,233	$	107	$	1,492	$	12,482
December 31, 2017
Loans evaluated for ALL:
Individually	$	459	$	—	$	466	$	10,981	$	—	$	—	$	—	$	11,906
Collectively		157,975		50,371		9,435		417,447		291,519		5,047		—		931,794
Total	$	158,434	$	50,371	$	9,901	$	428,428	$	291,519	$	5,047	$	—	$	943,700
ALL established for   loans evaluated:
Individually	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Collectively		1,060		330		224		6,526		2,110		105		1,437		11,792
ALL at December 31, 2017	$	1,060	$	330	$	224	$	6,526	$	2,110	$	105	$	1,437	$	11,792

Impaired Financing Receivables

The following table shows additional information about those loans considered to be impaired at June 30, 2018and December 31, 2017:

	Impaired Loans
	With No Allowance				With Allowance
(Dollars in thousands)			Unpaid				Unpaid
	Recorded		Principal		Recorded		Principal		Related
June 30, 2018	Investment		Balance		Investment		Balance		Allowance
Residential Real Estate 1-4 Family
First liens	$	828	$	907	$	—	$	—	$	—
Junior liens and lines of credit		23		23		—		—		—
Total		851		930		—		—		—
Residential real estate - construction		462		531		—		—		—
Commercial real estate		10,904		11,416		—		—		—
Commercial		2,406		9,843		825		825		225
Total	$	14,623	$	22,720	$	825	$	825	$	225

December 31, 2017
Residential Real Estate 1-4 Family
First liens	$	869	$	950	$	—	$	—	$	—
Junior liens and lines of credit		—		—		—		—		—
Total		869		950		—		—		—
Residential real estate - construction		466		531		—		—		—
Commercial real estate		11,061		11,541		—		—		—
Commercial		187		201		—		—		—
Total	$	12,583	$	13,223	$	—	$	—	$	—

The following table shows the average of impaired loans and related interest income for the three and six months ended June 30, 2018and 2017:

	Three Months Ended				Six Months Ended
	June 30, 2018				June 30, 2018
	Average		Interest		Average		Interest
(Dollars in thousands)	Recorded		Income		Recorded		Income
	Investment		Recognized		Investment		Recognized
Residential Real Estate 1-4 Family
First liens	$	831	$	11	$	818	$	22
Junior liens and lines of credit		1,045		4		995		10
Total		1,876		15		1,813		32
Residential real estate - construction		463		—		465		—
Commercial real estate		10,008		100		10,072		199
Commercial		11,835		—		5,927		—
Total	$	24,182	$	115	$	18,277	$	231
	Three Months Ended				Six Months Ended
	June 30, 2017				June 30, 2017
	Average		Interest		Average		Interest
(Dollars in thousands)	Recorded		Income		Recorded		Income
	Investment		Recognized		Investment		Recognized
Residential Real Estate 1-4 Family
First liens	$	1,168	$	10	$	1,039	$	20
Junior liens and lines of credit		115		—		100		—
Total		1,283		10		1,139		20
Residential real estate - construction		476		—		478		—
Commercial real estate		12,043		102		12,104		218
Commercial		122		—		73		—
Total	$	13,924	$	112	$	13,794	$	238

Aging Of Payments Of The Loan Portfolio

(Dollars in thousands)			Loans Past Due and Still Accruing										Total
	Current		30-59 Days		60-89 Days		90 Days+		Total		Non-Accrual		Loans
June 30, 2018
Residential Real Estate 1-4 Family
First liens	$	151,803	$	264	$	141	$	31	$	436	$	107	$	152,346
Junior liens and lines of credit		48,351		148		7		23		178		—		48,529
Total		200,154		412		148		54		614		107		200,875
Residential real estate - construction		11,173		842		—		—		842		462		12,477
Commercial real estate		460,742		2,264		—		—		2,264		1,894		464,900
Commercial		280,600		79		150		—		229		3,231		284,060
Consumer		4,915		62		2		5		69		—		4,984
Total	$	957,584	$	3,659	$	300	$	59	$	4,018	$	5,694	$	967,296

December 31, 2017
Residential Real Estate 1-4 Family
First liens	$	157,247	$	485	$	534	$	—	$	1,019	$	168	$	158,434
Junior liens and lines of credit		50,202		139		30		—		169		—		50,371
Total		207,449		624		564		—		1,188		168		208,805
Residential real estate - construction		9,435		—		—		—		—		466		9,901
Commercial real estate		425,806		421		347		—		768		1,854		428,428
Commercial		291,221		111		—		—		111		187		291,519
Consumer		5,017		23		7		—		30		—		5,047
Total	$	938,928	$	1,179	$	918	$	—	$	2,097	$	2,675	$	943,700

Internal Credit Rating For The Loan Portfolio

	Pass		Special Mention		Substandard		Doubtful
(Dollars in thousands)	(1-5)		(6)		(7)		(8)		Total
June 30, 2018
Residential Real Estate 1-4 Family
First liens	$	151,677	$	—	$	669	$	—	$	152,346
Junior liens and lines of credit		48,506		—		23		—		48,529
Total		200,183		—		692		—		200,875
Residential real estate - construction		11,742		—		735		—		12,477
Commercial real estate		454,286		2,104		8,510		—		464,900
Commercial		280,059		—		4,001		—		284,060
Consumer		4,979		—		5		—		4,984
Total	$	951,249	$	2,104	$	13,943	$	—	$	967,296

December 31, 2017
Residential Real Estate 1-4 Family
First liens	$	157,395	$	—	$	1,039	$	—	$	158,434
Junior liens and lines of credit		50,371		—		—		—		50,371
Total		207,766		—		1,039		—		208,805
Residential real estate - construction		8,893		—		1,008		—		9,901
Commercial real estate		419,277		680		8,471		—		428,428
Commercial		289,916		—		1,603		—		291,519
Consumer		5,047		—		—		—		5,047
Total	$	930,899	$	680	$	12,121	$	—	$	943,700

Troubled Debt Restructuring Loans

								Troubled Debt Restructurings
								Within the Last 12 Months
								That Have Defaulted
(Dollars in thousands)	Troubled Debt Restructurings							On Modified Terms
	Number of	Recorded						Number of	Recorded
	Contracts	Investment		Performing*		Nonperforming*		Contracts	Investment
June 30, 2018
Residential real estate - construction	1	$	462	$	—	$	462	—	$	—
Residential real estate	5		726		690		36	—		—
Commercial real estate	11		10,754		9,010		1,744	—		—
Total	17	$	11,942	$	9,700	$	2,242	—	$	—
December 31, 2017
Residential real estate - construction	1	$	466	$	466	$	—	—	$	—
Residential real estate	5		737		701		36	—		—
Commercial real estate	11		10,983		10,388		595	—		—
Total	17	$	12,186	$	11,555	$	631	—	$	—

*The performing status is determined by the loan’s compliance with the modified terms.