Allowance For Loan Losses (Tables)

9 Months Ended

Sep. 30, 2018


	Allowance for Loan Losses
	July 1, 2018								September 30, 2018
(dollars in thousands)	Balance		Charge-offs		Recoveries		Provision		Balance
Builder & developer	$	2,899	$	(144)	$	41	$	218	$	3,014
Commercial real estate investor		2,695		0		0		49		2,744
Residential real estate investor		2,424		(1)		3		68		2,494
Hotel/Motel		764		0		0		46		810
Wholesale & retail		938		0		1		775		1,714
Manufacturing		645		0		0		681		1,326
Agriculture		471		0		0		76		547
Other commercial		2,955		0		18		(63)		2,910
Total commercial related loans		13,791		(145)		63		1,850		15,559
Residential mortgage		114		0		9		(1)		122
Home equity		203		(123)		0		203		283
Other consumer		192		(30)		13		(17)		158
Total consumer related loans		509		(153)		22		185		563
Unallocated		2,847		0		0		(735)		2,112
Total	$	17,147	$	(298)	$	85	$	1,300	$	18,234



	Allowance for Loan Losses
	July 1, 2017								September 30, 2017
(dollars in thousands)	Balance		Charge-offs		Recoveries		Provision		Balance
Builder & developer	$	3,511	$	(1,474)	$	0	$	1,913	$	3,950
Commercial real estate investor		3,073		0		0		128		3,201
Residential real estate investor		2,458		0		3		71		2,532
Hotel/Motel		662		0		0		7		669
Wholesale & retail		845		0		0		34		879
Manufacturing		906		0		0		55		961
Agriculture		673		0		0		(257)		416
Other commercial		2,434		(68)		0		113		2,479
Total commercial related loans		14,562		(1,542)		3		2,064		15,087
Residential mortgage		94		0		0		11		105
Home equity		182		(137)		0		153		198
Other consumer		73		(51)		4		47		73
Total consumer related loans		349		(188)		4		211		376
Unallocated		1,504		0		0		(175)		1,329
Total	$	16,415	$	(1,730)	$	7	$	2,100	$	16,792



	Allowance for Loan Losses
	January 1, 2018								September 30, 2018
(dollars in thousands)	Balance		Charge-offs		Recoveries		Provision		Balance
Builder & developer	$	3,388	$	(144)	$	59	$	(289)	$	3,014
Commercial real estate investor		3,013		0		0		(269)		2,744
Residential real estate investor		2,505		(2)		77		(86)		2,494
Hotel/Motel		637		0		0		173		810
Wholesale & retail		909		0		3		802		1,714
Manufacturing		592		0		0		734		1,326
Agriculture		431		0		0		116		547
Other commercial		2,643		0		18		249		2,910
Total commercial related loans		14,118		(146)		157		1,430		15,559
Residential mortgage		108		(10)		10		14		122
Home equity		217		(123)		0		189		283
Other consumer		66		(166)		23		235		158
Total consumer related loans		391		(299)		33		438		563
Unallocated		2,180		0		0		(68)		2,112
Total	$	16,689	$	(445)	$	190	$	1,800	$	18,234



	Allowance for Loan Losses
	January 1, 2017								September 30, 2017
(dollars in thousands)	Balance		Charge-offs		Recoveries		Provision		Balance
Builder & developer	$	2,384	$	(1,474)	$	2	$	3,038	$	3,950
Commercial real estate investor		2,870		0		0		331		3,201
Residential real estate investor		2,517		(110)		59		66		2,532
Hotel/Motel		807		(36)		36		(138)		669
Wholesale & retail		803		0		0		76		879
Manufacturing		307		0		0		654		961
Agriculture		619		0		0		(203)		416
Other commercial		2,467		(68)		0		80		2,479
Total commercial related loans		12,774		(1,688)		97		3,904		15,087
Residential mortgage		85		0		5		15		105
Home equity		179		(137)		0		156		198
Other consumer		193		(61)		9		(68)		73
Total consumer related loans		457		(198)		14		103		376
Unallocated		1,761		0		0		(432)		1,329
Total	$	14,992	$	(1,886)	$	111	$	3,575	$	16,792

	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, 2018
Builder & developer	$	51	$	2,963	$	3,014	$	415	$	162,187	$	162,602
Commercial real estate investor		0		2,744		2,744		4,966		214,458		219,424
Residential real estate investor		0		2,494		2,494		2,176		232,950		235,126
Hotel/Motel		0		810		810		0		86,815		86,815
Wholesale & retail		757		957		1,714		8,164		97,785		105,949
Manufacturing		539		787		1,326		3,244		81,197		84,441
Agriculture		0		547		547		661		64,859		65,520
Other commercial		0		2,910		2,910		1,117		329,526		330,643
Total commercial related		1,347		14,212		15,559		20,743		1,269,777		1,290,520
Residential mortgage		0		122		122		550		82,213		82,763
Home equity		0		283		283		493		96,808		97,301
Other consumer		0		158		158		242		23,201		23,443
Total consumer related		0		563		563		1,285		202,222		203,507
Unallocated		0		2,112		2,112		-		-		-
Total	$	1,347	$	16,887	$	18,234	$	22,028	$	1,471,999	$	1,494,027



December 31, 2017
Builder & developer	$	0	$	3,388	$	3,388	$	2,673	$	181,729	$	184,402
Commercial real estate investor		243		2,770		3,013		5,645		225,182		230,827
Residential real estate investor		0		2,505		2,505		1,210		208,204		209,414
Hotel/Motel		0		637		637		0		63,195		63,195
Wholesale & retail		0		909		909		7,912		95,128		103,040
Manufacturing		0		592		592		3,840		58,670		62,510
Agriculture		0		431		431		315		59,616		59,931
Other commercial		0		2,643		2,643		918		283,593		284,511
Total commercial related		243		13,875		14,118		22,513		1,175,317		1,197,830
Residential mortgage		0		108		108		247		79,078		79,325
Home equity		0		217		217		452		97,498		97,950
Other consumer		0		66		66		235		24,424		24,659
Total consumer related		0		391		391		934		201,000		201,934
Unallocated		0		2,180		2,180		-		-		-
Total	$	243	$	16,446	$	16,689	$	23,447	$	1,376,317	$	1,399,764



September 30, 2017
Builder & developer	$	200	$	3,750	$	3,950	$	5,783	$	190,828	$	196,611
Commercial real estate investor		243		2,958		3,201		5,747		240,250		245,997
Residential real estate investor		154		2,378		2,532		1,716		209,732		211,448
Hotel/Motel		0		669		669		0		66,291		66,291
Wholesale & retail		0		879		879		7,046		91,327		98,373
Manufacturing		400		561		961		4,522		54,439		58,961
Agriculture		0		416		416		329		57,598		57,927
Other commercial		0		2,479		2,479		1,063		264,535		265,598
Total commercial related		997		14,090		15,087		26,206		1,175,000		1,201,206
Residential mortgage		0		105		105		93		79,895		79,988
Home equity		0		198		198		360		95,123		95,483
Other consumer		0		73		73		304		25,281		25,585
Total consumer related		0		376		376		757		200,299		201,056
Unallocated		0		1,329		1,329		-		-		-
Total	$	997	$	15,795	$	16,792	$	26,963	$	1,375,299	$	1,402,262