Loans and Leases (Tables)

9 Months Ended

Sep. 30, 2017

Loans and Leases [Abstract]

Major classifications of loans held for investment

	September 30,		December 31,
(In thousands)	2017		2016
Commercial real estate	$	256,452	$	261,561
Construction and land development		78,389		83,369
Commercial and industrial		110,861		108,146
Multi-family		33,751		23,389
Residential real estate		55,643		56,899
Leases		55,270		61,838
Tax certificates		1,290		3,705
Consumer		2,909		3,102
Total loans, net of unearned income	$	594,565	$	602,009

Risk ratings for loan portfolio segment

As of September 30, 2017
(In thousands)	Pass		Pass-Watch		Special Mention		Substandard		Non-accrual		Total
Commercial real estate	$	218,860	$	36,112	$	—	$	—	$	1,480	$	256,452
Construction and land development		9,001		69,260		—		—		128		78,389
Commercial and industrial		85,022		23,792		—		1,397		650		110,861
Multi-family		23,519		10,232		—		—		—		33,751
Residential real estate		55,032		100		—		—		511		55,643
Leases		52,955		471		—		—		1,844		55,270
Tax certificates		821		—		—		—		469		1,290
Consumer		2,825		84		—		—		—		2,909
Total loans, net of unearned income	$	448,035	$	140,051	$	—	$	1,397	$	5,082	$	594,565

As of December 31, 2016
(In thousands)	Pass		Pass-Watch		Special Mention		Substandard		Non-accrual		Total
Commercial real estate	$	221,862	$	38,814	$	—	$	—	$	885	$	261,561
Construction and land development		9,643		73,582		—		—		144		83,369
Commercial and industrial		92,174		13,308		320		1,692		652		108,146
Multi-family		16,974		6,415		—		—		—		23,389
Residential real estate		56,225		104		—		—		570		56,899
Leases		59,641		348		—		—		1,849		61,838
Tax certificates		1,798		—		—		—		1,907		3,705
Consumer		2,891		211		—		—		—		3,102
Total loans, net of unearned income	$	461,208	$	132,782	$	320	$	1,692	$	6,007	$	602,009

Aging analysis of past due payments for loan portfolio segment

he following tables present an aging analysis of past due payments for each LHFI portfolio classification at September 30, 2017 and December 31, 2016.

As of September 30, 2017	30-59 Days		60-89 Days		90+ Days*
(In thousands)	Past Due		Past Due		Past Due		Current		Total
Commercial real estate	$	65	$	—	$	1,480	$	254,907	$	256,452
Construction and land development		—		—		128		78,261		78,389
Commercial and industrial		—		—		650		110,211		110,861
Multi-family		—		—		—		33,751		33,751
Residential real estate		99		—		511		55,033		55,643
Leases		255		217		1,844		52,954		55,270
Tax certificates		—		—		469		821		1,290
Consumer		216		—		—		2,693		2,909
Total loans, net of unearned income	$	635	$	217	$	5,082	$	588,631	$	594,565

As of December 31, 2016	30-59 Days		60-89 Days		90+ Days*
(In thousands)	Past Due		Past Due		Past Due		Current		Total
Commercial real estate	$	—	$	507	$	886	$	260,168	$	261,561
Construction and land development		—		—		144		83,225		83,369
Commercial and industrial		416		367		173		107,190		108,146
Multi-family		—		—		—		23,389		23,389
Residential real estate		978		—		355		55,566		56,899
Leases		348		104		1,577		59,809		61,838
Tax certificates		—		—		1,907		1,798		3,705
Consumer		—		—		—		3,102		3,102
Total loans, net of unearned income	$	1,742	$	978	$	5,042	$	594,247	$	602,009

*    All loans categorized as “90+ Days Past Due” are non-accrual.

Troubled debt restructurings that are on an accrual status and a non-accrual status

	As of September 30, 2017
				Non-
	Number of	Accrual		Accrual
(In thousands)	loans	Status		Status		Total TDRs
Commercial real estate	1	$	15	$	—	$	15
Construction and land development	1		—		128		128
Commercial and industrial	2		1,396		160		1,556
Residential real estate	1		80		—		80
Total	5	$	1,491	$	288	$	1,779

	As of December 31, 2016
				Non-
	Number of	Accrual		Accrual
(In thousands)	loans	Status		Status		Total TDRs
Commercial real estate	1	$	19	$	—	$	19
Construction and land development	1		—		144		144
Commercial and industrial	2		1,692		173		1,865
Residential real estate	1		83		—		83
Total	5	$	1,794	$	317	$	2,111