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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)

12 Months Ended

Dec. 31, 2017

Receivables [Abstract]

Summary of Loan Portfolio, Excluding Residential Loans Held for Sale

The following table presents the loan portfolio, excluding residential LHFS, broken out by classes at December 31, 2017 and December 31, 2016.

(Dollars in thousands)	2017				2016
Commercial real estate:
Owner-occupied	$	116,811			$	112,295
Non-owner occupied	244,491				206,358
Multi-family	53,634				47,681
Non-owner occupied residential	77,980				62,533
Acquisition and development:
1-4 family residential construction	11,730				4,663
Commercial and land development	19,251				26,085
Commercial and industrial	115,663				88,465
Municipal	42,065				53,741
Residential mortgage:
First lien	162,509				139,851
Home equity – term	11,784				14,248
Home equity – lines of credit	132,192				120,353
Installment and other loans	21,902				7,118
	$	1,010,012			$	883,391

Summary of Ratings Based On Internal Risk Rating System

The following summarizes the Company’s loan portfolio ratings based on its internal risk rating system at December 31, 2017 and 2016:

(Dollars in thousands)	Pass				Special Mention				Non-Impaired Substandard				Impaired - Substandard				Doubtful				Total
December 31, 2017
Commercial real estate:
Owner-occupied	$	113,240			$	413			$	1,921			$	1,237			$	0			$	116,811
Non-owner occupied	235,919				0				4,507				4,065				0				244,491
Multi-family	48,603				4,113				753				165				0				53,634
Non-owner occupied residential	76,373				142				1,084				381				0				77,980
Acquisition and development:
1-4 family residential construction	11,238				0				0				492				0				11,730
Commercial and land development	18,635				5				611				0				0				19,251
Commercial and industrial	113,162				2,151				0				350				0				115,663
Municipal	42,065				0				0				0				0				42,065
Residential mortgage:
First lien	158,673				0				0				3,836				0				162,509
Home equity – term	11,762				0				0				22				0				11,784
Home equity – lines of credit	131,585				80				60				467				0				132,192
Installment and other loans	21,891				0				0				11				0				21,902
	$	983,146			$	6,904			$	8,936			$	11,026			$	0			$	1,010,012
December 31, 2016
Commercial real estate:
Owner-occupied	$	103,652			$	5,422			$	2,151			$	1,070			$	0			$	112,295
Non-owner occupied	190,726				4,791				10,105				736				0				206,358
Multi-family	42,473				4,222				787				199				0				47,681
Non-owner occupied residential	59,982				949				1,150				452				0				62,533
Acquisition and development:
1-4 family residential construction	4,560				103				0				0				0				4,663
Commercial and land development	25,435				10				639				1				0				26,085
Commercial and industrial	87,588				251				32				594				0				88,465
Municipal	53,741				0				0				0				0				53,741
Residential mortgage:
First lien	135,558				0				0				4,293				0				139,851
Home equity – term	14,155				0				0				93				0				14,248
Home equity – lines of credit	119,681				82				61				529				0				120,353
Installment and other loans	7,112				0				0				6				0				7,118
	$	844,663			$	15,830			$	14,925			$	7,973			$	0			$	883,391

Summary of Impaired Loans by Class

The following table summarizes impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not required at December 31, 2017 and 2016. The recorded investment in loans excludes accrued interest receivable due to insignificance. Related allowances established generally pertain to those loans in which loan forbearance agreements were in the process of being negotiated or updated appraisals were pending, and a partial charge-off will be recorded when final information is received.

	Impaired Loans with a Specific Allowance												Impaired Loans with No Specific Allowance
(Dollars in thousands)	Recorded Investment (Book Balance)				Unpaid Principal Balance (Legal Balance)				Related Allowance				Recorded Investment (Book Balance)				Unpaid Principal Balance (Legal Balance)
December 31, 2017
Commercial real estate:
Owner-occupied	$	0			$	0			$	0			$	1,237			$	2,479
Non-owner occupied	0				0				0				4,065				4,856
Multi-family	0				0				0				165				352
Non-owner occupied residential	0				0				0				381				669
Acquisition and development:
1-4 family residential construction	0				0				0				492				492
Commercial and industrial	0				0				0				350				495
Residential mortgage:
First lien	872				872				42				2,964				3,706
Home equity—term	0				0				0				22				27
Home equity—lines of credit	0				0				0				467				628
Installment and other loans	9				9				9				2				33
	$	881			$	881			$	51			$	10,145			$	13,737
December 31, 2016
Commercial real estate:
Owner-occupied	$	0			$	0			$	0			$	1,070			$	2,236
Non-owner occupied	0				0				0				736				1,323
Multi-family	0				0				0				199				368
Non-owner occupied residential	0				0				0				452				706
Acquisition and development:
Commercial and land development	0				0				0				1				16
Commercial and industrial	0				0				0				594				715
Residential mortgage:
First lien	643				643				43				3,650				4,399
Home equity—term	0				0				0				93				103
Home equity—lines of credit	0				0				0				529				659
Installment and other loans	0				0				0				6				34
	$	643			$	643			$	43			$	7,330			$	10,559

Summary of Average Recorded Investment in Impaired Loans and Related Interest Income

The following table summarizes the average recorded investment in impaired loans and related recognized interest income for the years ended December 31, 2017, 2016 and 2015:

	2017								2016								2015
(Dollars in thousands)	Average Impaired Balance				Interest Income Recognized				Average Impaired Balance				Interest Income Recognized				Average Impaired Balance				Interest Income Recognized
Commercial real estate:
Owner-occupied	$	1,000			$	6			$	1,758			$	0			$	2,613			$	0
Non-owner occupied	392				0				6,831				0				3,470				0
Multi-family	182				0				216				0				402				0
Non-owner occupied residential	418				0				645				0				1,020				0
Acquisition and development:
1-4 family residential construction	154				0				0				0				0				0
Commercial and land development	0				0				3				0				266				137
Commercial and industrial	413				0				575				0				1,208				0
Residential mortgage:
First lien	4,012				58				4,525				33				4,644				37
Home equity – term	61				0				98				0				130				0
Home equity – lines of credit	488				2				455				0				571				0
Installment and other loans	10				0				12				0				22				0
	$	7,130			$	66			$	15,118			$	33			$	14,346			$	174

Schedule of Impaired Loans That Are TDRs

The following table presents impaired loans that are TDRs, with the recorded investment at December 31, 2017 and December 31, 2016.

	2017							2016
(Dollars in thousands)	Number of Contracts			Recorded Investment				Number of Contracts			Recorded Investment
Accruing:
Commercial real estate:
Owner-occupied	1			$	52			0			$	0
Residential mortgage:
First lien	11			1,102				8			896
Home equity - lines of credit	1			29				1			34
	13			1,183				9			930
Nonaccruing:
Commercial real estate:
Owner-occupied	1			57				0			0
Residential mortgage:
First lien	8			715				12			1,035
Installment and other loans	1			3				1			6
	10			775				13			1,041
	23			$	1,958			22			$	1,971

Schedule of Number of Loans Modified

The following table presents the number of loans modified, and their pre-modification and post-modification investment balances for the years ended December 31, 2017, 2016, and 2015:

(Dollars in thousands)	Number of Contracts			Pre- Modification Investment Balance				Post- Modification Investment Balance
December 31, 2017
Commercial real estate:
Owner occupied	2			$	119			$	119
December 31, 2016
Commercial real estate:
Non-owner occupied	1			$	6,095			$	6,095
Residential mortgage:
First lien	2			265				265
Home equity - lines of credit	1			34				34
	4			$	6,394			$	6,394
December 31, 2015
Residential mortgage:
First lien	1			$	59			$	59

Schedule of Classes of Loan Portfolio Summarized by Aging Categories

The following table presents the classes of loan portfolio summarized by aging categories of performing loans and nonaccrual loans at December 31, 2017 and 2016:

					Days Past Due
	Current				30-59				60-89				90+ (still accruing)				Total Past Due				Non- Accrual				Total Loans
December 31, 2017
Commercial real estate:
Owner-occupied	$	115,605			$	4			$	17			$	0			$	21			$	1,185			$	116,811
Non-owner occupied	240,426				0				0				0				0				4,065				244,491
Multi-family	53,469				0				0				0				0				165				53,634
Non-owner occupied residential	77,454				145				0				0				145				381				77,980
Acquisition and development:
1-4 family residential construction	11,238				0				0				0				0				492				11,730
Commercial and land development	19,226				25				0				0				25				0				19,251
Commercial and industrial	115,312				1				0				0				1				350				115,663
Municipal	42,065				0				0				0				0				0				42,065
Residential mortgage:
First lien	155,387				3,333				1,055				0				4,388				2,734				162,509
Home equity – term	11,753				9				0				0				9				22				11,784
Home equity – lines of credit	131,208				474				72				0				546				438				132,192
Installment and other loans	21,749				141				1				0				142				11				21,902
	$	994,892			$	4,132			$	1,145			$	0			$	5,277			$	9,843			$	1,010,012
December 31, 2016
Commercial real estate:
Owner-occupied	$	111,225			$	0			$	0			$	0			$	0			$	1,070			$	112,295
Non-owner occupied	205,622				0				0				0				0				736				206,358
Multi-family	47,482				0				0				0				0				199				47,681
Non-owner occupied residential	62,081				0				0				0				0				452				62,533
Acquisition and development:
1-4 family residential construction	4,548				115				0				0				115				0				4,663
Commercial and land development	26,084				0				0				0				0				1				26,085
Commercial and industrial	87,871				0				0				0				0				594				88,465
Municipal	53,741				0				0				0				0				0				53,741
Residential mortgage:
First lien	135,499				628				328				0				956				3,396				139,851
Home equity – term	14,155				0				0				0				0				93				14,248
Home equity – lines of credit	119,733				125				0				0				125				495				120,353
Installment and other loans	7,090				20				2				0				22				6				7,118
	$	875,131			$	888			$	330			$	0			$	1,218			$	7,042			$	883,391

Schedule of Activity in Allowance for Loan Losses

The following table presents activity in the ALL for the years ended December 31, 2017, 2016 and 2015.

	Commercial																				Consumer
(Dollars in thousands)	Commercial Real Estate				Acquisition and Development				Commercial and Industrial				Municipal				Total				Residential Mortgage				Installment and Other				Total				Unallocated				Total
December 31, 2017
Balance, beginning of year	$	7,530			$	580			$	1,074			$	54			$	9,238			$	2,979			$	144			$	3,123			$	414			$	12,775
Provision for loan losses	38				(167		)		333				30				234				531				174				705				61				1,000
Charge-offs	(835		)		0				(85		)		0				(920		)		(180		)		(166		)		(346		)		0				(1,266		)
Recoveries	30				4				124				0				158				70				59				129				0				287
Balance, end of year	$	6,763			$	417			$	1,446			$	84			$	8,710			$	3,400			$	211			$	3,611			$	475			$	12,796
December 31, 2016
Balance, beginning of year	$	7,883			$	850			$	1,012			$	58			$	9,803			$	2,870			$	121			$	2,991			$	774			$	13,568
Provision for loan losses	107				(270		)		129				(4		)		(38		)		532				116				648				(360		)		250
Charge-offs	(872		)		0				(79		)		0				(951		)		(577		)		(194		)		(771		)		0				(1,722		)
Recoveries	412				0				12				0				424				154				101				255				0				679
Balance, end of year	$	7,530			$	580			$	1,074			$	54			$	9,238			$	2,979			$	144			$	3,123			$	414			$	12,775
December 31, 2015
Balance, beginning of year	$	9,462			$	697			$	806			$	183			$	11,148			$	2,262			$	119			$	2,381			$	1,218			$	14,747
Provision for loan losses	(1,020		)		(440		)		249				(125		)		(1,336		)		1,122				55				1,177				(444		)		(603		)
Charge-offs	(711		)		(22		)		(115		)		0				(848		)		(592		)		(62		)		(654		)		0				(1,502		)
Recoveries	152				615				72				0				839				78				9				87				0				926
Balance, end of year	$	7,883			$	850			$	1,012			$	58			$	9,803			$	2,870			$	121			$	2,991			$	774			$	13,568

Summary of Ending Loan Balance Individually Evaluated for Impairment

The following table summarizes the ending loan balances individually evaluated for impairment based upon loan segment, as well as the related ALL loss allocation for each at December 31, 2017 and 2016:

	Commercial																				Consumer
(Dollars in thousands)	Commercial Real Estate				Acquisition and Development				Commercial and Industrial				Municipal				Total				Residential Mortgage				Installment and Other				Total				Unallocated				Total
December 31, 2017
Loans allocated by:
Individually evaluated for impairment	$	5,848			$	492			$	350			$	0			$	6,690			$	4,325			$	11			$	4,336			$	0			$	11,026
Collectively evaluated for impairment	487,068				30,489				115,313				42,065				674,935				302,160				21,891				324,051				0				998,986
	$	492,916			$	30,981			$	115,663			$	42,065			$	681,625			$	306,485			$	21,902			$	328,387			$	0			$	1,010,012
Allowance for loan losses allocated by:
Individually evaluated for impairment	$	0			$	0			$	0			$	0			$	0			$	42			$	9			$	51			$	0			$	51
Collectively evaluated for impairment	6,763				417				1,446				84				8,710				3,358				202				3,560				475				12,745
	$	6,763			$	417			$	1,446			$	84			$	8,710			$	3,400			$	211			$	3,611			$	475			$	12,796
December 31, 2016
Loans allocated by:
Individually evaluated for impairment	$	2,457			$	1			$	594			$	0			$	3,052			$	4,915			$	6			$	4,921			$	0			$	7,973
Collectively evaluated for impairment	426,410				30,747				87,871				53,741				598,769				269,537				7,112				276,649				0				875,418
	$	428,867			$	30,748			$	88,465			$	53,741			$	601,821			$	274,452			$	7,118			$	281,570			$	0			$	883,391
Allowance for loan losses allocated by:
Individually evaluated for impairment	$	0			$	0			$	0			$	0			$	0			$	43			$	0			$	43			$	0			$	43
Collectively evaluated for impairment	7,530				580				1,074				54				9,238				2,936				144				3,080				414				12,732
	$	7,530			$	580			$	1,074			$	54			$	9,238			$	2,979			$	144			$	3,123			$	414			$	12,775

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