Loans (Tables)

12 Months Ended

Dec. 31, 2019



		December 31,	% Total		December 31,	% Total
(dollars in thousands)		2019	Loans		2018	Loans
Builder & developer	$	159,312	10.6	$	154,977	10.4
Commercial real estate investor		207,227	13.8		210,501	14.2
Residential real estate investor		247,969	16.5		231,118	15.6
Hotel/Motel		80,260	5.3		77,480	5.2
Wholesale & retail		109,238	7.3		117,280	7.9
Manufacturing		86,511	5.7		80,075	5.4
Agriculture		80,719	5.4		65,540	4.4
Other		313,371	20.7		342,839	23.0
Total commercial related loans		1,284,607	85.3		1,279,810	86.1
Residential mortgages		94,868	6.3		83,977	5.7
Home equity		100,827	6.7		98,019	6.6
Other		24,833	1.7		23,874	1.6
Total consumer related loans		220,528	14.7		205,870	13.9
Total loans	$	1,505,135	100.0	$	1,485,680	100.0

Summary Of Loan Risk Ratings By Loan Class



				Special
(dollars in thousands)		Pass		Mention		Substandard		Nonaccrual		Total
December 31, 2019
Builder & developer	$	151,672	$	6,503	$	252	$	885	$	159,312
Commercial real estate investor		201,967		3,890		1,145		225		207,227
Residential real estate investor		238,216		3,780		202		5,771		247,969
Hotel/Motel		67,732		12,528		0		0		80,260
Wholesale & retail		89,556		10,513		1,954		7,215		109,238
Manufacturing		76,721		1,058		7,597		1,135		86,511
Agriculture		76,350		1,123		404		2,842		80,719
Other		277,634		16,490		13,748		5,499		313,371
Total commercial related loans		1,179,848		55,885		25,302		23,572		1,284,607
Residential mortgage		94,388		131		74		275		94,868
Home equity		100,089		61		0		677		100,827
Other		24,600		0		7		226		24,833
Total consumer related loans		219,077		192		81		1,178		220,528
Total loans	$	1,398,925	$	56,077	$	25,383	$	24,750	$	1,505,135

December 31, 2018
Builder & developer	$	152,188	$	1,604	$	411	$	774	$	154,977
Commercial real estate investor		204,141		1,808		4,317		235		210,501
Residential real estate investor		222,227		3,597		235		5,059		231,118
Hotel/Motel		77,480		0		0		0		77,480
Wholesale & retail		94,726		9,973		4,952		7,629		117,280
Manufacturing		72,058		4,991		1,302		1,724		80,075
Agriculture		61,636		3,244		0		660		65,540
Other		318,940		7,760		12,689		3,450		342,839
Total commercial related loans		1,203,396		32,977		23,906		19,531		1,279,810
Residential mortgage		83,305		7		82		583		83,977
Home equity		97,395		13		0		611		98,019
Other		23,601		1		9		263		23,874
Total consumer related loans		204,301		21		91		1,457		205,870
Total loans	$	1,407,697	$	32,998	$	23,997	$	20,988	$	1,485,680

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
December 31, 2019
Builder & developer	$	621	$	651	$	473	$	474	$	238	$	1,094	$	1,125
Commercial real estate investor		1,370		1,371		0		0		0		1,370		1,371
Residential real estate investor		734		753		5,037		5,137		1,873		5,771		5,890
Hotel/Motel		0		0		0		0		0		0		0
Wholesale & retail		273		273		7,184		7,811		2,537		7,457		8,084
Manufacturing		13		13		1,122		1,220		463		1,135		1,233
Agriculture		1,784		1,791		1,058		1,058		701		2,842		2,849
Other commercial		1,864		1,974		3,635		3,888		1,608		5,499		5,862
Total impaired commercial related loans		6,659		6,826		18,509		19,588		7,420		25,168		26,414
Residential mortgage		275		277		0		0		0		275		277
Home equity		677		677		0		0		0		677		677
Other consumer		226		231		0		0		0		226		231
Total impaired consumer related loans		1,178		1,185		0		0		0		1,178		1,185
Total impaired loans	$	7,837	$	8,011	$	18,509	$	19,588	$	7,420	$	26,346	$	27,599

December 31, 2018
Builder & developer	$	1,047	$	1,318	$	138	$	138	$	51	$	1,185	$	1,456
Commercial real estate investor		4,552		4,552		0		0		0		4,552		4,552
Residential real estate investor		909		909		4,385		4,385		1,218		5,294		5,294
Hotel/Motel		0		0		0		0		0		0		0
Wholesale & retail		5,200		5,200		7,629		7,629		757		12,829		12,829
Manufacturing		1,320		1,320		1,706		1,706		539		3,026		3,026
Agriculture		660		660		0		0		0		660		660
Other commercial		13,245		13,245		2,894		2,894		1,114		16,139		16,139
Total impaired commercial related loans		26,933		27,204		16,752		16,752		3,679		43,685		43,956
Residential mortgage		665		689		0		0		0		665		689
Home equity		611		611		0		0		0		611		611
Other consumer		272		272		0		0		0		272		272
Total impaired consumer related loans		1,548		1,572		0		0		0		1,548		1,572
Total impaired loans	$	28,481	$	28,776	$	16,752	$	16,752	$	3,679	$	45,233	$	45,528

The table below presents a summary of average impaired loans and related interest income that was included in net income for the years ended December 31, 2019, 2018 and 2017. Interest income on loans with a related allowance is the result of interest collected prior to the loan moving to nonaccrual status.



	With No Related Allowance				With A Related Allowance				Total
	Average		Total		Average		Total		Average		Total
	Recorded		Interest		Recorded		Interest		Recorded		Interest
(dollars in thousands)	Investment		Income		Investment		Income		Investment		Income
December 31, 2019
Builder & developer	$	1,086	$	43	$	219	$	0	$	1,305	$	43
Commercial real estate investor		2,756		123		0		0		2,756		123
Residential real estate investor		628		32		4,791		0		5,419		32
Hotel/Motel		0		0		0		0		0		0
Wholesale & retail		1,241		10		7,325		0		8,566		10
Manufacturing		276		17		1,394		0		1,670		17
Agriculture		1,108		29		423		0		1,531		29
Other commercial		4,252		90		4,990		0		9,242		90
Total impaired commercial related loans		11,347		344		19,142		0		30,489		344
Residential mortgage		323		11		0		0		323		11
Home equity		607		18		0		0		607		18
Other consumer		267		16		0		0		267		16
Total impaired consumer related loans		1,197		45		0		0		1,197		45
Total impaired loans	$	12,544	$	389	$	19,142	$	0	$	31,686	$	389

December 31, 2018
Builder & developer	$	1,716	$	17	$	55	$	9	$	1,771	$	26
Commercial real estate investor		5,147		287		212		0		5,359		287
Residential real estate investor		1,492		56		877		7		2,369		63
Hotel/Motel		0		0		0		0		0		0
Wholesale & retail		5,292		34		3,089		301		8,381		335
Manufacturing		2,733		93		712		206		3,445		299
Agriculture		474		43		0		0		474		43
Other commercial		3,474		97		579		28		4,053		125
Total impaired commercial related loans		20,328		627		5,524		551		25,852		1,178
Residential mortgage		395		42		0		0		395		42
Home equity		516		52		0		0		516		52
Other consumer		247		34		0		0		247		34
Total impaired consumer related loans		1,158		128		0		0		1,158		128
Total impaired loans	$	21,486	$	755	$	5,524	$	551	$	27,010	$	1,306

December 31, 2017
Builder & developer	$	3,528	$	140	$	1,088	$	0	$	4,616	$	140
Commercial real estate investor		5,142		268		432		0		5,574		268
Residential real estate investor		1,371		65		303		0		1,674		65
Hotel/Motel		72		0		7		0		79		0
Wholesale & retail		5,741		260		0		0		5,741		260
Manufacturing		2,713		214		730		0		3,443		214
Agriculture		242		0		210		0		452		0
Other commercial		1,052		55		110		0		1,162		55
Total impaired commercial related loans		19,861		1,002		2,880		0		22,741		1,002
Residential mortgage		134		1		0		0		134		1
Home equity		368		34		0		0		368		34
Other consumer		258		15		0		0		258		15
Total impaired consumer related loans		760		50		0		0		760		50
Total impaired loans	$	20,621	$	1,052	$	2,880	$	0	$	23,501	$	1,052

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
December 31, 2019
Builder & developer	$	0	$	0	$	43	$	885	$	928	$	158,384	$	159,312
Commercial real estate investor		0		0		0		225		225		207,002		207,227
Residential real estate investor		295		0		0		5,771		6,066		241,903		247,969
Hotel/Motel		0		0		0		0		0		80,260		80,260
Wholesale & retail		0		0		0		7,215		7,215		102,023		109,238
Manufacturing		409		0		0		1,135		1,544		84,967		86,511
Agriculture		14		0		0		2,842		2,856		77,863		80,719
Other		463		1,865		120		5,499		7,947		305,424		313,371
Total commercial related loans		1,181		1,865		163		23,572		26,781		1,257,826		1,284,607
Residential mortgage		0		70		104		275		449		94,419		94,868
Home equity		249		276		0		677		1,202		99,625		100,827
Other		750		68		13		226		1,057		23,776		24,833
Total consumer related loans		999		414		117		1,178		2,708		217,820		220,528
Total loans	$	2,180	$	2,279	$	280	$	24,750	$	29,489	$	1,475,646	$	1,505,135

December 31, 2018
Builder & developer	$	159	$	547	$	43	$	774	$	1,523	$	153,454	$	154,977
Commercial real estate investor		0		0		1,828		235		2,063		208,438		210,501
Residential real estate investor		244		812		0		5,059		6,115		225,003		231,118
Hotel/Motel		0		0		0		0		0		77,480		77,480
Wholesale & retail		0		0		97		7,629		7,726		109,554		117,280
Manufacturing		0		0		0		1,724		1,724		78,351		80,075
Agriculture		0		0		0		660		660		64,880		65,540
Other		4,877		0		0		3,450		8,327		334,512		342,839
Total commercial related loans		5,280		1,359		1,968		19,531		28,138		1,251,672		1,279,810
Residential mortgage		0		10		66		583		659		83,318		83,977
Home equity		206		94		0		611		911		97,108		98,019
Other		263		2		94		263		622		23,252		23,874
Total consumer related loans		469		106		160		1,457		2,192		203,678		205,870
Total loans	$	5,749	$	1,465	$	2,128	$	20,988	$	30,330	$	1,455,350	$	1,485,680

Summary Of Loans Modified Under TDRs



	Modifications
		Pre-Modification		Post-Modification
	Number	Outstanding		Outstanding		Recorded
	of	Recorded		Recorded		Investment
(dollars in thousands)	Contracts	Investment		Investment		at Period End
Years ended:

December 31, 2019	1	$	63	$	63	$	54
Commercial related loans accruing

December 31, 2018	3	$	1,264	$	1,305	$	1,291
Commercial related loans accruing