XML 55 R45.htm IDEA: XBRL DOCUMENT v3.19.2
Loans (Narrative) (Details)
$ in Thousands
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2019
USD ($)
Loan
Jun. 30, 2018
USD ($)
Jun. 30, 2019
USD ($)
loan
Loan
Jun. 30, 2018
USD ($)
Dec. 31, 2018
USD ($)
loan
Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Allowance for loan loss $ 10,918   $ 10,918   $ 10,976
Loans and leases receivable, allowance percentage (0.79%)   (0.79%)   (0.81%)
Net deferred costs (fees) $ 1,363   $ 1,363   $ 1,183
Deferred loan fees and premiums include net deferred fees paid by customers 3,200   3,200   3,100
Offset by net deferred premiums paid to purchase loans $ 4,600   $ 4,600   $ 4,300
Total number of loans | Loan 35   35   38
Non- accrual delinquent loans $ 10,600   $ 10,600   $ 11,152
Total non-accrual loans (13,288)   (13,288)   (19,282)
Reserve for delinquent non accrual loans 886   886   978
Increase In non accrual loans   $ 10,100     14,600
Loans receivable $ 1,387,186 1,290,415 $ 1,387,186 $ 1,290,415 $ 1,346,922
Percentage status of loan in portfolio 100.00%   100.00%   100.00%
Charge-offs $ 333 164 $ 1,075 744  
Unpaid contractual principal balance 27,515 36,178 27,515 36,178 $ 37,208
Total recorded investment 27,458 35,787 27,458 35,787 36,880
Loans, carrying amount 1,377,631   1,377,631   1,337,129
Non-accrual current loans 2,688   2,688   8,130
Past Due 12,646   12,646   $ 12,244
PCI Loans, accretion interest $ 209   $ 381    
Number of TDR loans | Loan     8   13
Number of accrual TDR loans | Loan 6   6   12
Financing receivable post modification recorded investment $ 2,248   $ 2,248   $ 6,705
Accrual TDR loans 2,196   2,196   6,676
Reclassification from (to) nonaccretable difference 156 0 156 0 134
Other changes, net $ 11 0 $ 11 0 $ 313
Twelve Loans And Four Customer Relationships [Member] [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total number of loans | Loan 12   12    
Percentage status of non accrual loans     81.00%    
Increase (decrease) in finance receivables     $ 10,800    
Thirteen Loans Representing Four Customer Relationships [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total number of loans | Loan         13
Percentage status of non accrual loans         79.00%
Increase (decrease) in finance receivables         $ 15,300
Financing Receivable Troubled Debt Restructuring [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Increase (decrease) in finance receivables     (4,500)    
TDR loan principal curtailment         176
One Troubled Debt Restructuring Loans [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total non-accrual loans $ (52)   (52)   29
Specific reserves for TDR loans 251   $ 251    
Number of TDR loans | loan     4    
Financing receivable post modification recorded investment $ 1,600   $ 1,600    
Seven Troubled Debt Restructuring Loans with Reserves [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Specific reserves for TDR loans         $ 165
Number of TDR loans | loan         1
Financing receivable post modification recorded investment         $ 1,600
Seven Trouble Debt Restructuring Loans [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans removed from troubled debt restructuring | loan         3
Amount of loans removed from troubled debt restructuring         $ 3,900
Nonaccrual Loans [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Decrease In non accrual loans         $ 6,000
Total number of loans | Loan 35   35   38
Increase (decrease) in finance receivables     $ 13,300   $ 19,300
Percentage status of loan in portfolio 0.96%   0.96%   1.43%
Nonaccrual Loans With No Impairment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Non- accrual delinquent loans $ 2,700   $ 2,700   $ 8,100
Total non-accrual loans (11,600)   $ (11,600)   $ (17,400)
Percentage of current loans on total non accrual loans     20.00%   42.00%
Interest due to debt     $ 245   $ 456
Nonaccrual Loans With Impairment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Non- accrual delinquent loans 10,600   10,600   11,200
Total non-accrual loans (1,700)   $ (1,700)   $ (1,900)
Percentage of delinquent loans on total non accrual loans     80.00%   58.00%
Interest due to debt     $ 143   $ 81
Unrated [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 334,195   334,195   333,349
Pass [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 1,026,845   1,026,845   981,347
Substandard [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable $ 26,146   $ 26,146   $ 32,226
Residential Rentals Portfolio Segment [Member] | Minimum [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Debt maturity period     3 years    
Residential Rentals Portfolio Segment [Member] | Maximum [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Debt maturity period     20 years    
Commercial Real Estate Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total number of loans | Loan 13   13   17
Non- accrual delinquent loans $ 8,938   $ 8,938   $ 8,474
Total non-accrual loans (9,790)   (9,790)   (14,632)
Loans receivable $ 917,948 828,445 $ 917,948 828,445 $ 878,016
Percentage status of loan in portfolio 66.18%   66.18%   65.18%
Charge-offs $ 4 0 $ 4 236  
Unpaid contractual principal balance 20,933 26,804 20,933 26,804 $ 27,835
Total recorded investment 20,918 26,492 20,918 26,492 27,540
Non-accrual current loans 852   852   6,158
Past Due 10,305   $ 10,305   $ 9,151
Number of TDR loans | Loan     4   7
Financing receivable post modification recorded investment 2,082   $ 2,082   $ 5,612
Commercial Real Estate Portfolio Segment [Member] | Unrated [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 106,552   106,552   112,280
Commercial Real Estate Portfolio Segment [Member] | Pass [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 790,002   790,002   741,037
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable $ 21,394   $ 21,394   $ 24,699
Commercial Real Estate Portfolio Segment [Member] | Commercial Construction Loans [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Percentage status of loan in portfolio 8.30%   8.30%   5.90%
Residential First Mortgages Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Allowance for loan loss $ 10,900   $ 10,900   $ 11,000
Total number of loans | Loan 4   4   5
Non- accrual delinquent loans $ 146   $ 146   $ 146
Total non-accrual loans (992)   (992)   (1,374)
Increase (decrease) in finance receivables     15,300   11,000
Loans receivable $ 156,670 163,090 $ 156,670 163,090 $ 156,709
Percentage status of loan in portfolio 11.29%   11.29%   11.63%
Charge-offs   76   113  
Unpaid contractual principal balance $ 2,124 2,473 $ 2,124 2,473 $ 2,527
Total recorded investment 2,123 2,434 2,123 2,434 2,527
Non-accrual current loans 846   846   1,228
Past Due 474   $ 474   $ 212
Number of TDR loans | Loan     1   1
Financing receivable post modification recorded investment 65   $ 65   $ 66
Residential First Mortgages Portfolio Segment [Member] | Adjustable Rate Residential First Mortgage [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable $ 54,500   $ 54,500   $ 54,200
Percentage status of loan in portfolio 3.90%   3.90%   4.00%
Residential First Mortgages Portfolio Segment [Member] | Minimum [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Debt maturity period     10 years    
Residential First Mortgages Portfolio Segment [Member] | Maximum [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Debt maturity period     30 years    
Residential Rentals Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total number of loans | Loan 5   5   5
Non- accrual delinquent loans $ 0   $ 0   $ 260
Total non-accrual loans (971)   (971)   (963)
Loans receivable $ 121,990 127,469 $ 121,990 127,469 $ 124,298
Percentage status of loan in portfolio 8.79%   8.79%   9.23%
Charge-offs     $ 53    
Unpaid contractual principal balance $ 971 1,430 971 1,430 $ 1,745
Total recorded investment 971 1,396 971 1,396 1,745
Non-accrual current loans 971   971   703
Past Due 321   $ 321   $ 313
Number of TDR loans | Loan     0   1
Financing receivable post modification recorded investment 0   $ 0   $ 216
Residential Rentals Portfolio Segment [Member] | 1-4 Family Units [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 93,300   93,300   96,600
Residential Rentals Portfolio Segment [Member] | Apartment Buildings Rentals [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 28,700   28,700   27,700
Residential Rentals Portfolio Segment [Member] | Adjustable Rate Residential Rentals [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable $ 97,800   $ 97,800   $ 97,400
Percentage status of loan in portfolio 7.10%   7.10%   7.20%
Residential Rentals Portfolio Segment [Member] | Minimum [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Debt maturity period     3 years    
Residential Rentals Portfolio Segment [Member] | Maximum [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Debt maturity period     20 years    
Residential Rentals Portfolio Segment [Member] | Unrated [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable $ 38,698   $ 38,698   $ 37,478
Residential Rentals Portfolio Segment [Member] | Pass [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 82,614   82,614   85,551
Residential Rentals Portfolio Segment [Member] | Substandard [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 678   678   1,269
Construction And Land Development Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable $ 35,662 28,647 $ 35,662 28,647 $ 29,705
Percentage status of loan in portfolio 2.57%   2.57%   2.21%
Charge-offs $ 329   $ 329    
Unpaid contractual principal balance   729   729 $ 729
Total recorded investment   729   729 $ 729
Number of TDR loans | Loan     0   2
Financing receivable post modification recorded investment 0   $ 0   $ 729
Construction And Land Development Portfolio Segment [Member] | Unrated [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 2,017   2,017   2,172
Construction And Land Development Portfolio Segment [Member] | Pass [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 33,645   33,645   26,805
Construction And Land Development Portfolio Segment [Member] | Substandard [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable         728
Home Equity And Second Mortgages Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable $ 35,866   $ 35,866   $ 35,561
Percentage status of loan in portfolio 2.59%   2.59%   2.64%
Commercial Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total number of loans | Loan 2   2   2
Non- accrual delinquent loans $ 819   $ 819   $ 866
Total non-accrual loans (819)   (819)   (866)
Loans receivable $ 67,617 57,519 $ 67,617 57,519 $ 71,680
Percentage status of loan in portfolio 4.87%   4.87%   5.32%
Charge-offs   88   88  
Unpaid contractual principal balance $ 2,638 2,792 $ 2,638 2,792 $ 2,762
Total recorded investment 2,626 2,792 2,626 2,792 2,751
Past Due 819   $ 819   $ 866
Number of TDR loans | Loan     0   1
Financing receivable post modification recorded investment 0   $ 0   $ 53
Commercial Portfolio Segment [Member] | Unrated [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 18,539   18,539   19,157
Commercial Portfolio Segment [Member] | Pass [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 46,452   46,452   49,828
Commercial Portfolio Segment [Member] | Substandard [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 2,626   2,626   2,695
Consumer Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable $ 967 801 $ 967 801 $ 751
Percentage status of loan in portfolio 0.07%   0.07%   0.06%
Charge-offs   0 $ 4 1  
Unpaid contractual principal balance   2   2 $ 1
Total recorded investment   2   2  
Past Due $ 1   $ 1   $ 5
Commercial Equipment Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total number of loans | Loan 6   6   7
Non- accrual delinquent loans $ 281   $ 281   $ 1,259
Total non-accrual loans (300)   (300)   (1,300)
Loans receivable $ 50,466 47,418 $ 50,466 47,418 $ 50,202
Percentage status of loan in portfolio 3.64%   3.64%   3.73%
Charge-offs   0 $ 685 299  
Unpaid contractual principal balance $ 367 1,645 367 1,645 $ 1,315
Total recorded investment 349 1,643 349 1,643 1,299
Non-accrual current loans 19   19   41
Past Due 286   $ 286   $ 1,284
Number of TDR loans | Loan     3   1
Financing receivable post modification recorded investment 101   $ 101   $ 29
Commercial Equipment Portfolio Segment [Member] | Unrated [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 18,230   18,230   15,373
Commercial Equipment Portfolio Segment [Member] | Pass [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 32,018   32,018   33,685
Commercial Equipment Portfolio Segment [Member] | Substandard [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 218   218   1,144
31 - 60 Days [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Past Due 364   364   305
31 - 60 Days [Member] | Commercial Real Estate Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Past Due 309   309    
31 - 60 Days [Member] | Residential Rentals Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Past Due 0   0   13
31 - 60 Days [Member] | Commercial Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Past Due 0   0    
31 - 60 Days [Member] | Consumer Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Past Due 1   1   1
31 - 60 Days [Member] | Commercial Equipment Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Past Due 30   30   25
61 - 89 Days [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Past Due 1,823   1,823   829
61 - 89 Days [Member] | Commercial Real Estate Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Past Due 1,058   1,058   677
61 - 89 Days [Member] | Residential First Mortgages Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Past Due 328   328   66
61 - 89 Days [Member] | Residential Rentals Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Past Due 321   321   53
61 - 89 Days [Member] | Commercial Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Past Due 0   0    
61 - 89 Days [Member] | Consumer Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Past Due         4
61 - 89 Days [Member] | Commercial Equipment Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Past Due 10   10   29
90 or Greater Days [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Past Due 10,459   10,459   11,110
90 or Greater Days [Member] | Commercial Real Estate Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Past Due 8,938   8,938   8,474
90 or Greater Days [Member] | Residential First Mortgages Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Past Due 146   146   146
90 or Greater Days [Member] | Residential Rentals Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Past Due 0   0   247
90 or Greater Days [Member] | Commercial Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Past Due 819   819   866
90 or Greater Days [Member] | Commercial Equipment Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Past Due 246   246   1,230
Loan Delinquency [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total non-accrual loans $ (12,600)   $ (12,600)   (12,200)
Decrease in loan delinquency         $ 402
Percentage status of loan in portfolio 0.91%   0.91%   0.91%
Performing Financial Instruments [Member] | Residential First Mortgages Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable $ 156,524   $ 156,524   $ 156,563
Performing Financial Instruments [Member] | Consumer Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 967   967   751
Nonperforming Financial Instruments [Member] | Residential First Mortgages Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 146   146   146
PCI Loans [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable $ 2,772 3,838 $ 2,772 3,838 3,220
Percentage status of loan in portfolio 0.16%   0.16%    
Unpaid contractual principal balance $ 3,500   $ 3,500    
Total recorded investment 2,800   2,800    
Loans, carrying amount 2,772   2,772   3,220
PCI Loans [Member] | Commercial Real Estate Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 1,725 1,503 1,725 1,503 1,785
PCI Loans [Member] | Residential First Mortgages Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 451 470 451 470 466
PCI Loans [Member] | Residential Rentals Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 327 1,274 327 1,274 897
PCI Loans [Member] | Construction And Land Development Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable   $ 272   $ 272  
PCI Loans [Member] | Home Equity And Second Mortgages Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 269   269   72
All Other Loans [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Allowance for loan loss 10,918   10,918   10,976
Net deferred costs (fees) 1,363   1,363   1,183
Loans receivable 1,384,414   1,384,414   1,343,702
Loans, carrying amount 1,374,859   1,374,859   1,333,909
All Other Loans [Member] | Commercial Real Estate Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 916,223   916,223   876,231
All Other Loans [Member] | Residential First Mortgages Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 156,219   156,219   156,243
All Other Loans [Member] | Residential Rentals Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 121,663   121,663   123,401
All Other Loans [Member] | Construction And Land Development Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 35,662   35,662   29,705
All Other Loans [Member] | Home Equity And Second Mortgages Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 35,597   35,597   35,489
All Other Loans [Member] | Commercial Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 67,617   67,617   71,680
All Other Loans [Member] | Consumer Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 967   967   751
All Other Loans [Member] | Commercial Equipment Portfolio Segment [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable 50,466   50,466   50,202
County First Acquisition [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable $ 91,125   $ 91,125   $ 106,887
Percentage status of loan in portfolio 6.57%   6.57%   7.94%
County First Acquisition [Member] | PCI Loans [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable $ 2,772   $ 2,772   $ 3,220
Percentage status of loan in portfolio 0.20%   0.20%   0.24%
County First Acquisition [Member] | All Other Loans [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans receivable $ 88,353   $ 88,353   $ 103,667
Percentage status of loan in portfolio 6.37%   6.37%   7.70%
County First Bank Acquisition [Member] | PCI Loans [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
New acquisition accounting for fair market value adjustment $ 684   $ 684    
Net acquisition accounting fair Market value adjustment, mark 19.78%   19.78%    
County First Bank Acquisition [Member] | All Other Loans [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
New acquisition accounting for fair market value adjustment $ 1,500   $ 1,500    
Net acquisition accounting fair Market value adjustment, mark 1.66%   1.66%