Allowance For Loan Losses (Tables)

9 Months Ended

Sep. 30, 2020



	Allowance for Loan Losses
	July 1, 2020								September 30, 2020
(dollars in thousands)	Balance		Charge-offs		Recoveries		Provision		Balance
Builder & developer	$	2,376	$	0	$	0	$	(254)	$	2,122
Commercial real estate investor		2,732		0		0		(56)		2,676
Residential real estate investor		4,767		(1,641)		3		807		3,936
Hotel/Motel		1,530		0		0		6		1,536
Wholesale & retail		2,398		0		0		21		2,419
Manufacturing		901		0		0		29		930
Agriculture		1,112		0		0		38		1,150
Other commercial		4,610		(367)		0		1,293		5,536
Total commercial related loans		20,426		(2,008)		3		1,884		20,305
Residential mortgage		229		0		0		19		248
Home equity		297		(59)		0		56		294
Other consumer		94		(2)		7		(3)		96
Total consumer related loans		620		(61)		7		72		638
Unallocated		(8)		0		0		(26)		(34)
Total	$	21,038	$	(2,069)	$	10	$	1,930	$	20,909



	Allowance for Loan Losses
	July 1, 2019								September 30, 2019
(dollars in thousands)	Balance		Charge-offs		Recoveries		Provision		Balance
Builder & developer	$	2,708	$	(8)	$	0	$	(495)	$	2,205
Commercial real estate investor		2,568		0		0		60		2,628
Residential real estate investor		3,888		0		3		33		3,924
Hotel/Motel		746		0		0		2		748
Wholesale & retail		3,482		(24)		0		144		3,602
Manufacturing		1,355		0		0		(74)		1,281
Agriculture		556		0		0		819		1,375
Other commercial		5,145		0		0		(380)		4,765
Total commercial related loans		20,448		(32)		3		109		20,528
Residential mortgage		137		0		0		13		150
Home equity		272		(30)		69		(97)		214
Other consumer		160		(35)		15		20		160
Total consumer related loans		569		(65)		84		(64)		524
Unallocated		157		0		0		(45)		112
Total	$	21,174	$	(97)	$	87	$	0	$	21,164



	Allowance for Loan Losses
	January 1, 2020								September 30, 2020
(dollars in thousands)	Balance		Charge-offs		Recoveries		Provision		Balance
Builder & developer	$	2,263	$	(844)	$	0	$	703	$	2,122
Commercial real estate investor		2,565		0		0		111		2,676
Residential real estate investor		4,632		(1,641)		9		936		3,936
Hotel/Motel		742		0		0		794		1,536
Wholesale & retail		3,575		(3,116)		7		1,953		2,419
Manufacturing		1,252		(392)		0		70		930
Agriculture		1,304		0		0		(154)		1,150
Other commercial		4,204		(8,057)		0		9,389		5,536
Total commercial related loans		20,537		(14,050)		16		13,802		20,305
Residential mortgage		158		0		0		90		248
Home equity		203		(59)		0		150		294
Other consumer		167		(13)		34		(92)		96
Total consumer related loans		528		(72)		34		148		638
Unallocated		1		0		0		(35)		(34)
Total	$	21,066	$	(14,122)	$	50	$	13,915	$	20,909



	Allowance for Loan Losses
	January 1, 2019								September 30, 2019
(dollars in thousands)	Balance		Charge-offs		Recoveries		Provision		Balance
Builder & developer	$	2,835	$	(8)	$	0	$	(622)	$	2,205
Commercial real estate investor		2,636		0		0		(8)		2,628
Residential real estate investor		3,945		0		9		(30)		3,924
Hotel/Motel		732		0		0		16		748
Wholesale & retail		1,813		(24)		0		1,813		3,602
Manufacturing		1,287		0		0		(6)		1,281
Agriculture		579		0		0		796		1,375
Other commercial		4,063		(46)		0		748		4,765
Total commercial related loans		17,890		(78)		9		2,707		20,528
Residential mortgage		126		0		0		24		150
Home equity		265		(147)		71		25		214
Other consumer		144		(125)		40		101		160
Total consumer related loans		535		(272)		111		150		524
Unallocated		719		0		0		(607)		112
Total	$	19,144	$	(350)	$	120	$	2,250	$	21,164



	Allowance for Loan Losses						Loans
	Individually		Collectively				Individually		Collectively
	Evaluated For		Evaluated For				Evaluated For		Evaluated For
(dollars in thousands)	Impairment		Impairment		Balance		Impairment		Impairment		Balance
September 30, 2020
Builder & developer	$	0	$	2,122	$	2,122	$	579	$	163,143	$	163,722
Commercial real estate investor		0		2,676		2,676		1,216		199,450		200,666
Residential real estate investor		242		3,694		3,936		3,107		239,495		242,602
Hotel/Motel		0		1,536		1,536		0		78,991		78,991
Wholesale & retail		0		2,419		2,419		238		113,567		113,805
Manufacturing		0		930		930		0		95,906		95,906
Agriculture		534		616		1,150		3,491		74,830		78,321
Other commercial		2,513		3,023		5,536		10,399		370,868		381,267
Total commercial related		3,289		17,016		20,305		19,030		1,336,250		1,355,280
Residential mortgage		0		248		248		152		96,860		97,012
Home equity		0		294		294		575		98,149		98,724
Other consumer		0		96		96		197		23,798		23,995
Total consumer related		0		638		638		924		218,807		219,731
Unallocated		0		(34)		(34)		0		0		0
Total	$	3,289	$	17,620	$	20,909	$	19,954	$	1,555,057	$	1,575,011



December 31, 2019
Builder & developer	$	238	$	2,025	$	2,263	$	1,094	$	158,218	$	159,312
Commercial real estate investor		0		2,565		2,565		1,370		205,857		207,227
Residential real estate investor		1,873		2,759		4,632		5,771		242,198		247,969
Hotel/Motel		0		742		742		0		80,260		80,260
Wholesale & retail		2,537		1,038		3,575		7,457		101,781		109,238
Manufacturing		463		789		1,252		1,135		85,376		86,511
Agriculture		701		603		1,304		2,842		77,877		80,719
Other commercial		1,608		2,596		4,204		5,499		307,872		313,371
Total commercial related		7,420		13,117		20,537		25,168		1,259,439		1,284,607
Residential mortgage		0		158		158		275		94,593		94,868
Home equity		0		203		203		677		100,150		100,827
Other consumer		0		167		167		226		24,607		24,833
Total consumer related		0		528		528		1,178		219,350		220,528
Unallocated		0		1		1		0		0		0
Total	$	7,420	$	13,646	$	21,066	$	26,346	$	1,478,789	$	1,505,135