Loans (Tables)

9 Months Ended

Sep. 30, 2018

Loans [Abstract]

Schedule Of Loan Portfolio Composition

		September 30,	% Total		December 31,	% Total
(dollars in thousands)		2018	Loans		2017	Loans
Builder & developer	$	162,602	10.9	$	184,402	13.2
Commercial real estate investor		219,424	14.7		230,827	16.5
Residential real estate investor		235,126	15.7		209,414	15.0
Hotel/Motel		86,815	5.8		63,195	4.5
Wholesale & retail		105,949	7.1		103,040	7.3
Manufacturing		84,441	5.7		62,510	4.5
Agriculture		65,520	4.4		59,931	4.3
Other		330,643	22.1		284,511	20.3
Total commercial related loans		1,290,520	86.4		1,197,830	85.6
Residential mortgages		82,763	5.5		79,325	5.6
Home equity		97,301	6.5		97,950	7.0
Other		23,443	1.6		24,659	1.8
Total consumer related loans		203,507	13.6		201,934	14.4
Total loans	$	1,494,027	100.0	$	1,399,764	100.0

Summary Of Loan Risk Ratings By Loan Class

				Special
(dollars in thousands)		Pass		Mention		Substandard		Nonaccrual		Total
September 30, 2018
Builder & developer	$	161,351	$	836	$	415	$	0	$	162,602
Commercial real estate investor		214,458		0		4,365		601		219,424
Residential real estate investor		225,570		7,380		1,171		1,005		235,126
Hotel/Motel		86,815		0		0		0		86,815
Wholesale & retail		92,858		5,177		97		7,817		105,949
Manufacturing		80,629		568		1,375		1,869		84,441
Agriculture		61,656		3,203		374		287		65,520
Other		327,020		2,506		955		162		330,643
Total commercial related loans		1,250,357		19,670		8,752		11,741		1,290,520
Residential mortgage		82,206		7		83		467		82,763
Home equity		96,808		0		0		493		97,301
Other		23,198		3		9		233		23,443
Total consumer related loans		202,212		10		92		1,193		203,507
Total loans	$	1,452,569	$	19,680	$	8,844	$	12,934	$	1,494,027
December 31, 2017
Builder & developer	$	179,897	$	1,832	$	581	$	2,092	$	184,402
Commercial real estate investor		224,822		360		4,339		1,306		230,827
Residential real estate investor		204,139		4,065		711		499		209,414
Hotel/Motel		63,195		0		0		0		63,195
Wholesale & retail		95,128		254		7,658		0		103,040
Manufacturing		58,082		588		3,840		0		62,510
Agriculture		57,140		2,476		0		315		59,931
Other		283,086		507		918		0		284,511
Total commercial related loans		1,165,489		10,082		18,047		4,212		1,197,830
Residential mortgage		79,068		10		85		162		79,325
Home equity		97,498		0		0		452		97,950
Other		24,394		30		9		226		24,659
Total consumer related loans		200,960		40		94		840		201,934
Total loans	$	1,366,449	$	10,122	$	18,141	$	5,052	$	1,399,764

Summary Of Impaired Loans

	With No Allowance				With A Related Allowance						Total
	Recorded		Unpaid		Recorded		Unpaid		Related		Recorded		Unpaid
(dollars in thousands)	Investment		Principal		Investment		Principal		Allowance		Investment		Principal
September 30, 2018
Builder & developer	$	277	$	571	$	138	$	138	$	51	$	415	$	709
Commercial real estate investor		4,966		4,966		0		0		0		4,966		4,966
Residential real estate investor		2,176		2,176		0		0		0		2,176		2,176
Hotel/Motel		0		0		0		0		0		0		0
Wholesale & retail		347		347		7,817		7,817		757		8,164		8,164
Manufacturing		1,393		1,393		1,851		1,851		539		3,244		3,244
Agriculture		661		661		0		0		0		661		661
Other commercial		1,117		1,117		0		0		0		1,117		1,117
Total impaired commercial related loans		10,937		11,231		9,806		9,806		1,347		20,743		21,037
Residential mortgage		550		574		0		0		0		550		574
Home equity		493		493		0		0		0		493		493
Other consumer		242		242		0		0		0		242		242
Total impaired consumer related loans		1,285		1,309		0		0		0		1,285		1,309
Total impaired loans	$	12,222	$	12,540	$	9,806	$	9,806	$	1,347	$	22,028	$	22,346

December 31, 2017
Builder & developer	$	2,673	$	3,008	$	0	$	0	$	0	$	2,673	$	3,008
Commercial real estate investor		4,585		4,601		1,060		1,060		243		5,645		5,661
Residential real estate investor		1,210		1,510		0		0		0		1,210		1,510
Hotel/Motel		0		0		0		0		0		0		0
Wholesale & retail		7,912		7,912		0		0		0		7,912		7,912
Manufacturing		3,840		3,840		0		0		0		3,840		3,840
Agriculture		315		315		0		0		0		315		315
Other commercial		918		918		0		0		0		918		918
Total impaired commercial related loans		21,453		22,104		1,060		1,060		243		22,513		23,164
Residential mortgage		247		276		0		0		0		247		276
Home equity		452		452		0		0		0		452		452
Other consumer		235		235		0		0		0		235		235
Total impaired consumer related loans		934		963		0		0		0		934		963
Total impaired loans	$	22,387	$	23,067	$	1,060	$	1,060	$	243	$	23,447	$	24,127

The table below presents a summary of average impaired loans and related interest income that was included in net income for the three and nine months ended September 30, 2018 and 2017. 

	With No Related Allowance						With A Related Allowance						Total
	Average		Total		Cash Basis		Average		Total		Cash Basis		Average		Total		Cash Basis
	Recorded		Interest		Interest		Recorded		Interest		Interest		Recorded		Interest		Interest
(dollars in thousands)	Investment		Income		Income		Investment		Income		Income		Investment		Income		Income
Three months ended September 30, 2018
Builder & developer	$	1,280	$	4	$	0	$	69	$	2	$	0	$	1,349	$	6	$	0
Commercial real estate investor		6,040		75		7		0		0		0		6,040		75		7
Residential real estate investor		1,909		13		4		0		0		0		1,909		13		4
Hotel/Motel		0		0		0		0		0		0		0		0		0
Wholesale & retail		3,538		3		0		3,909		116		0		7,447		119		0
Manufacturing		2,422		23		0		925		69		0		3,347		92		0
Agriculture		477		3		0		0		0		0		477		3		0
Other commercial		1,039		17		1		0		0		0		1,039		17		1
Total impaired commercial related loans		16,705		138		12		4,903		187		0		21,608		325		12
Residential mortgage		394		16		15		0		0		0		394		16		15
Home equity		529		3		3		0		0		0		529		3		3
Other consumer		248		4		4		0		0		0		248		4		4
Total impaired consumer related loans		1,171		23		22		0		0		0		1,171		23		22
Total impaired loans	$	17,876	$	161	$	34	$	4,903	$	187	$	0	$	22,779	$	348	$	34
Three months ended September 30, 2017
Builder & developer	$	4,199	$	48	$	0	$	2,336	$	0	$	0	$	6,535	$	48	$	0
Commercial real estate investor		5,233		62		4		550		0		0		5,783		62		4
Residential real estate investor		1,420		12		2		299		0		0		1,719		12		2
Hotel/Motel		0		0		0		0		0		0		0		0		0
Wholesale & retail		6,628		90		0		0		0		0		6,628		90		0
Manufacturing		3,581		82		0		1,188		17		0		4,769		99		0
Agriculture		165		0		0		168		0		0		333		0		0
Other commercial		1,146		14		0		92		0		0		1,238		14		0
Total impaired commercial related loans		22,372		308		6		4,633		17		0		27,005		325		6
Residential mortgage		93		0		0		0		0		0		93		0		0
Home equity		375		3		3		0		0		0		375		3		3
Other consumer		293		0		0		0		0		0		293		0		0
Total impaired consumer related loans		761		3		3		0		0		0		761		3		3
Total impaired loans	$	23,133	$	311	$	9	$	4,633	$	17	$	0	$	27,766	$	328	$	9

	With No Related Allowance						With A Related Allowance						Total
	Average		Total		Cash Basis		Average		Total		Cash Basis		Average		Total		Cash Basis
	Recorded		Interest		Interest		Recorded		Interest		Interest		Recorded		Interest		Interest
(dollars in thousands)	Investment		Income		Income		Investment		Income		Income		Investment		Income		Income
Nine months ended September 30, 2018
Builder & developer	$	1,883	$	10	$	0	$	35	$	7	$	0	$	1,918	$	17	$	0
Commercial real estate investor		5,296		210		14		265		0		0		5,561		210		14
Residential real estate investor		1,637		33		9		0		0		0		1,637		33		9
Hotel/Motel		0		0		0		0		0		0		0		0		0
Wholesale & retail		5,316		8		0		1,954		301		0		7,270		309		0
Manufacturing		3,087		68		0		463		206		0		3,550		274		0
Agriculture		427		4		0		0		0		0		427		4		0
Other commercial		1,031		47		1		0		0		0		1,031		47		1
Total impaired commercial related loans		18,677		380		24		2,717		514		0		21,394		894		24
Residential mortgage		327		17		15		0		0		0		327		17		15
Home equity		492		15		14		0		0		0		492		15		14
Other consumer		242		13		13		0		0		0		242		13		13
Total impaired consumer related loans		1,061		45		42		0		0		0		1,061		45		42
Total impaired loans	$	19,738	$	425	$	66	$	2,717	$	514	$	0	$	22,455	$	939	$	66
Nine months ended September 30, 2017
Builder & developer	$	3,741	$	149	$	0	$	1,360	$	0	$	0	$	5,101	$	149	$	0
Commercial real estate investor		5,281		185		15		275		0		0		5,556		185		15
Residential real estate investor		1,411		38		9		379		0		0		1,790		38		9
Hotel/Motel		90		0		0		9		0		0		99		0		0
Wholesale & retail		5,198		174		0		0		0		0		5,198		174		0
Manufacturing		2,431		168		0		913		35		0		3,344		203		0
Agriculture		224		0		0		262		0		0		486		0		0
Other commercial		1,086		41		0		137		0		0		1,223		41		0
Total impaired commercial related loans		19,462		755		24		3,335		35		0		22,797		790		24
Residential mortgage		105		1		0		0		0		0		105		1		0
Home equity		348		7		7		0		0		0		348		7		7
Other consumer		264		6		5		0		0		0		264		6		5
Total impaired consumer related loans		717		14		12		0		0		0		717		14		12
Total impaired loans	$	20,179	$	769	$	36	$	3,335	$	35	$	0	$	23,514	$	804	$	36

Summary Of Past Due Loans, Nonaccrual Loans And Current Loans By Loan Segment And Class

					≥ 90 Days
	30-59		60-89		Past Due				Total Past
	Days		Days		and				Due and				Total
(dollars in thousands)	Past Due		Past Due		Accruing		Nonaccrual		Nonaccrual		Current		Loans
September 30, 2018
Builder & developer	$	550	$	223	$	118	$	0	$	891	$	161,711	$	162,602
Commercial real estate investor		1,828		0		0		601		2,429		216,995		219,424
Residential real estate investor		1,910		930		0		1,005		3,845		231,281		235,126
Hotel/Motel		0		0		0		0		0		86,815		86,815
Wholesale & retail		0		0		0		7,817		7,817		98,132		105,949
Manufacturing		0		0		0		1,869		1,869		82,572		84,441
Agriculture		0		17		0		287		304		65,216		65,520
Other		461		63		100		162		786		329,857		330,643
Total commercial related loans		4,749		1,233		218		11,741		17,941		1,272,579		1,290,520
Residential mortgage		364		11		67		467		909		81,854		82,763
Home equity		207		112		0		493		812		96,489		97,301
Other		116		78		8		233		435		23,008		23,443
Total consumer related loans		687		201		75		1,193		2,156		201,351		203,507
Total loans	$	5,436	$	1,434	$	293	$	12,934	$	20,097	$	1,473,930	$	1,494,027
December 31, 2017
Builder & developer	$	615	$	26	$	0	$	2,092	$	2,733	$	181,669	$	184,402
Commercial real estate investor		0		0		0		1,306		1,306		229,521		230,827
Residential real estate investor		347		0		0		499		846		208,568		209,414
Hotel/Motel		0		0		0		0		0		63,195		63,195
Wholesale & retail		0		0		0		0		0		103,040		103,040
Manufacturing		0		0		0		0		0		62,510		62,510
Agriculture		0		137		0		315		452		59,479		59,931
Other		203		117		0		0		320		284,191		284,511
Total commercial related loans		1,165		280		0		4,212		5,657		1,192,173		1,197,830
Residential mortgage		392		72		67		162		693		78,632		79,325
Home equity		264		5		0		452		721		97,229		97,950
Other		123		5		9		226		363		24,296		24,659
Total consumer related loans		779		82		76		840		1,777		200,157		201,934
Total loans	$	1,944	$	362	$	76	$	5,052	$	7,434	$	1,392,330	$	1,399,764

Summary Of Loans Modified Under TDRs

	Modifications
		Pre-Modification		Post-Modification
	Number	Outstanding		Outstanding		Recorded
	of	Recorded		Recorded		Investment
(dollars in thousands)	Contracts	Investments		Investments		at Period End
Three months ended:
September 30, 2018
Commercial related loans accruing	2	$	1,114	$	1,155	$	1,154
September 30, 2017
None
Nine months ended:
September 30, 2018
Commercial related loans accruing	3	$	1,264	$	1,305	$	1,293
September 30, 2017
None