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Loans And Related Allowances For Loan Losses (Tables)
 6 Months Ended
Jun. 30, 2020
Loans And Related Allowances For Loan Losses [Abstract]  
Loan Portfolio Segments

(in thousands)

Commercial
‎Real Estate

Acquisition
‎and
‎Development

Commercial
‎and
‎Industrial

Residential
‎Mortgage

Consumer

Total

June 30, 2020

Individually evaluated for impairment

$

3,429

$

8,934

$

18

$

2,908

$

34

$

15,323

Collectively evaluated for impairment

$

336,885

$

117,404

$

272,168

$

409,570

$

35,590

$

1,171,617

Total loans

$

340,314

$

126,338

$

272,186

$

412,478

$

35,624

$

1,186,940

December 31, 2019

Individually evaluated for impairment

$

3,179

$

8,570

$

30

$

3,391

$

4

$

15,174

Collectively evaluated for impairment

$

332,325

$

109,320

$

122,322

$

435,033

$

36,195

$

1,035,195

Total loans

$

335,504

$

117,890

$

122,352

$

438,424

$

36,199

$

1,050,369
Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating

(in thousands)

Pass

Special
‎Mention

Substandard

Total

June 30, 2020

Commercial real estate

Non owner-occupied

$

166,113

$

2,729

$

1,795

$

170,637

All other CRE

160,551

3,390

5,736

169,677

Acquisition and development

1-4 family residential construction

19,618

—

—

19,618

All other A&D

98,178

18

8,524

106,720

Commercial and industrial

257,472

1,867

12,847

272,186

Residential mortgage

Residential mortgage - term

340,392

154

7,296

347,842

Residential mortgage - home equity

63,657

136

843

64,636

Consumer

35,472

3

149

35,624

Total

$

1,141,453

$

8,297

$

37,190

$

1,186,940

December 31, 2019

Commercial real estate

Non owner-occupied

$

164,584

$

2,765

$

1,864

$

169,213

All other CRE

157,407

6,556

2,328

166,291

Acquisition and development

1-4 family residential construction

10,781

—

—

10,781

All other A&D

98,823

18

8,268

107,109

Commercial and industrial

116,221

2,896

3,235

122,352

Residential mortgage

Residential mortgage - term

364,150

59

5,597

369,806

Residential mortgage - home equity

67,143

139

1,336

68,618

Consumer

36,047

4

148

36,199

Total

$

1,015,156

$

12,437

$

22,776

$

1,050,369
Loan Portfolio Summarized by the Past Due Status

(in thousands)

Current

30-59 Days
‎Past Due

60-89 Days
‎Past Due

90 Days+
‎Past Due

Total Past
‎Due and
‎Accruing

Non-
‎Accrual

Total Loans

June 30, 2020

Commercial real estate

Non owner-occupied

$

170,620

$

—

$

—

$

—

$

—

$

17

$

170,637

All other CRE

168,721

—

—

—

—

956

169,677

Acquisition and development

1-4 family residential construction

19,618

—

—

—

—

—

19,618

All other A&D

98,270

—

11

—

11

8,439

106,720

Commercial and industrial

272,118

—

50

—

50

18

272,186

Residential mortgage

Residential mortgage - term

345,117

5

1,236

294

1,535

1,190

347,842

Residential mortgage - home equity

63,939

245

25

—

270

427

64,636

Consumer

35,450

92

45

3

140

34

35,624

Total

$

1,173,853

$

342

$

1,367

$

297

$

2,006

$

11,081

$

1,186,940

December 31, 2019

Commercial real estate

Non owner-occupied

$

169,180

$

—

$

—

$

—

$

—

$

33

$

169,213

All other CRE

165,289

—

355

—

355

647

166,291

Acquisition and development

1-4 family residential construction

10,781

—

—

—

—

—

10,781

All other A&D

98,916

—

—

135

135

8,058

107,109

Commercial and industrial

122,050

272

—

—

272

30

122,352

Residential mortgage

Residential mortgage - term

366,882

267

967

471

1,705

1,219

369,806

Residential mortgage - home equity

67,121

288

286

65

639

858

68,618

Consumer

35,834

261

46

54

361

4

36,199

Total

$

1,036,053

$

1,088

$

1,654

$

725

$

3,467

$

10,849

$

1,050,369
Primary Segments of the Allowance for Loan Loss

(in thousands)

Commercial
‎Real Estate

Acquisition
‎and
‎Development

Commercial
‎and
‎Industrial

Residential
‎Mortgage

Consumer

Unallocated

Total

June 30, 2020

Individually evaluated
‎for impairment

$

6

$

2,321

$

1

$

29

$

2

$

—

$

2,359

Collectively evaluated
‎for impairment

$

4,521

$

2,177

$

1,996

$

5,077

$

384

$

500

$

14,655

Total ALL

$

4,527

$

4,498

$

1,997

$

5,106

$

386

$

500

$

17,014

December 31, 2019

Individually evaluated
‎for impairment

$

9

$

2,142

$

—

$

22

$

—

$

—

$

2,173

Collectively evaluated
‎for impairment

$

2,873

$

1,532

$

1,341

$

3,806

$

312

$

500

$

10,364

Total ALL

$

2,882

$

3,674

$

1,341

$

3,828

$

312

$

500

$

12,537
Impaired Loans and Related Interest Income by Loan Portfolio Class

Impaired Loans with
‎Specific Allowance

Impaired
‎Loans with
‎No Specific
‎Allowance

Total Impaired Loans

(in thousands)

Recorded
‎Investment

Related
‎Allowances

Recorded
‎Investment

Recorded
‎Investment

Unpaid
‎Principal
‎Balance

June 30, 2020

Commercial real estate

Non owner-occupied

$

114

$

6

$

17

$

131

$

8,140

All other CRE

—

—

3,298

3,298

3,298

Acquisition and development

1-4 family residential construction

—

—

279

279

279

All other A&D

8,455

2,321

200

8,655

8,739

Commercial and industrial

18

1

—

18

2,246

Residential mortgage

Residential mortgage – term

846

29

1,592

2,438

2,614

Residential mortgage – home equity

—

—

470

470

484

Consumer

33

2

1

34

59

Total impaired loans

$

9,466

$

2,359

$

5,857

$

15,323

$

25,859

December 31, 2019

Commercial real estate

Non owner-occupied

$

116

$

9

$

33

$

149

$

8,224

All other CRE

—

—

3,030

3,030

3,030

Acquisition and development

1-4 family residential construction

—

—

291

291

291

All other A&D

8,219

2,142

60

8,279

8,340

Commercial and industrial

—

—

30

30

2,266

Residential mortgage

Residential mortgage – term

865

22

1,668

2,533

2,724

Residential mortgage – home equity

—

—

858

858

986

Consumer

—

—

4

4

4

Total impaired loans

$

9,200

$

2,173

$

5,974

$

15,174

$

25,865
Allowance for Loan Losses Summarized by Loan Portfolio Segments

(in thousands)

Commercial
‎Real Estate

Acquisition
‎and
‎Development

Commercial
‎and
‎Industrial

Residential
‎Mortgage

Consumer

Unallocated

Total

ALL balance at January 1, 2020

$

2,882

$

3,674

$

1,341

$

3,828

$

312

$

500

$

12,537

Charge-offs

—

(31)

(232)

(98)

(223)

—

(584)

Recoveries

66

22

16

48

88

—

240

Provision

1,579

833

872

1,328

209

—

4,821

ALL balance at June 30, 2020

$

4,527

$

4,498

$

1,997

$

5,106

$

386

$

500

$

17,014

ALL balance at January 1, 2019

$

2,780

$

1,721

$

1,187

$

4,544

$

315

$

500

$

11,047

Charge-offs

—

(29)

(5)

(86)

(136)

—

(256)

Recoveries

30

111

76

195

91

—

503

Provision

(75)

1,491

(111)

(672)

49

—

682

ALL balance at June 30, 2019

$

2,735

$

3,294

$

1,147

$

3,981

$

319

$

500

$

11,976

(in thousands)

Commercial
‎Real Estate

Acquisition
‎and
‎Development

Commercial
‎and
‎Industrial

Residential
‎Mortgage

Consumer

Unallocated

Total

ALL balance at April 1, 2020

$

3,816

$

4,063

$

1,682

$

4,586

$

365

$

500

$

15,012

Charge-offs

—

(16)

(131)

—

(91)

—

(238)

Recoveries

—

8

1

22

42

—

73

Provision

711

443

445

498

70

—

2,167

ALL balance at June 30, 2020

$

4,527

$

4,498

$

1,997

$

5,106

$

386

$

500

$

17,014

ALL balance at April 1, 2019

$

2,775

$

2,338

$

1,125

$

4,497

$

313

$

500

$

11,548

Charge-offs

—

—

(5)

(74)

(68)

—

(147)

Recoveries

1

99

25

87

30

—

242

Provision

(41)

857

2

(529)

44

—

333

ALL balance at June 30, 2019

$

2,735

$

3,294

$

1,147

$

3,981

$

319

$

500

$

11,976
Average of Impaired Loans and Related Interest Income by Loan Portfolio Class

Six months ended

Six months ended

June 30, 2020

June 30, 2019

(in thousands)

Average
‎investment

Interest income
‎recognized on
‎an accrual basis

Interest income
‎recognized on
‎a cash basis

Average
‎investment

Interest income
‎recognized on
‎an accrual basis

Interest income
‎recognized on
‎a cash basis

Commercial real estate

Non owner-occupied

$

138

$

3

$

—

$

270

$

6

$

—

All other CRE

3,182

73

—

4,853

76

—

Acquisition and development

1-4 family residential construction

285

6

—

310

9

—

All other A&D

8,436

6

1

5,306

6

—

Commercial and industrial

16

—

—

24

—

—

Residential mortgage

Residential mortgage – term

2,477

43

—

3,261

53

10

Residential mortgage – home equity

709

—

3

854

—

2

Consumer

14

—

—

14

—

—

Total

$

15,257

$

131

$

4

$

14,892

$

150

$

12

Three months ended

Three months ended

June 30, 2020

June 30, 2019

(in thousands)

Average
‎investment

Interest income
‎recognized on
‎an accrual basis

Interest income
‎recognized on
‎a cash basis

Average
‎investment

Interest income
‎recognized on
‎an accrual basis

Interest income
‎recognized on
‎a cash basis

Commercial real estate

Non owner-occupied

$

132

$

1

$

—

$

258

$

3

$

—

All other CRE

3,258

36

—

4,807

38

—

Acquisition and development

1-4 family residential construction

282

3

—

307

4

—

All other A&D

8,515

3

—

7,772

3

—

Commercial and industrial

9

—

—

27

—

—

Residential mortgage

Residential mortgage – term

2,450

21

—

2,941

25

2

Residential mortgage – home equity

634

—

3

925

—

2

Consumer

19

—

—

16

—

—

Total

$

15,299

$

64

$

3

$

17,053

$

73

$

4
Modification of Troubled Debt Restructuring by Class

Temporary Rate
‎Modification

Extension of Maturity

Modification of Payment
‎and Other Terms

(in thousands)

Number of
‎Contracts

Recorded
‎Investment

Number of
‎Contracts

Recorded
‎Investment

Number of
‎Contracts

Recorded
‎Investment

Six months ended June 30, 2020

Commercial real estate

Non owner-occupied

—

$

—

—

$

—

—

$

—

All other CRE

—

—

—

—

1

2,226

Acquisition and development

1-4 family residential construction

—

—

—

—

—

—

All other A&D

—

—

1

217

—

—

Commercial and industrial

—

—

—

—

—

—

Residential mortgage

Residential mortgage – term

1

46

1

230

2

245

Residential mortgage – home equity

—

—

—

—

—

—

Consumer

—

—

—

—

—

—

Total

1

$

46

2

$

447

3

$

2,471

Temporary Rate
‎Modification

Extension of Maturity

Modification of Payment
‎and Other Terms

(in thousands)

Number of
‎Contracts

Recorded
‎Investment

Number of
‎Contracts

Recorded
‎Investment

Number of
‎Contracts

Recorded
‎Investment

Six months ended June 30, 2019

Commercial real estate

Non owner-occupied

—

$

—

—

$

—

—

$

—

All other CRE

—

—

—

—

—

—

Acquisition and development

1-4 family residential construction

—

—

—

—

—

—

All other A&D

—

—

—

—

1

227

Commercial and industrial

—

—

—

—

—

—

Residential mortgage

Residential mortgage – term

—

—

—

—

1

243

Residential mortgage – home equity

—

—

—

—

—

—

Consumer

—

—

—

—

—

—

Total

—

$

—

—

$

—

2

$

470

During the six months ended June 30, 2020, there were no new TDRs but six existing TDRs that had reached their modification maturity dates were re-modified. These re-modifications did not impact the ALL. During the six months ended June 30, 2020, there were no payment defaults.


‎

During the six months ended June 30, 2019, there were no new TDRs but two existing TDRs that had reached their modification maturity dates were re-modified. These re-modifications did not impact the ALL. During the six months ended June 30, 2019, there were no payment defaults.

Temporary Rate
‎Modification

Extension of Maturity

Modification of Payment
‎and Other Terms

(in thousands)

Number of
‎Contracts

Recorded
‎Investment

Number of
‎Contracts

Recorded
‎Investment

Number of
‎Contracts

Recorded
‎Investment

Three months ended June 30, 2020

Commercial real estate

Non owner-occupied

—

$

—

—

$

—

—

$

—

All other CRE

—

—

—

—

1

2,226

Acquisition and development

1-4 family residential construction

—

—

—

—

—

—

All other A&D

—

—

1

217

—

—

Commercial and industrial

—

—

—

—

—

—

Residential mortgage

Residential mortgage – term

1

46

1

230

2

245

Residential mortgage – home equity

—

—

—

—

—

—

Consumer

—

—

—

—

—

—

Total

1

$

46

2

$

447

3

$

2,471