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Loans and Allowance for Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2015
Receivables [Abstract] |
Schedule of Financing Receivables [Table Text Block] | The following table provides information about the principal classes of the loan portfolio at September 30, 2015 and December 31, 2014.
|  | September 30, |  | December 31, |
(Dollars in thousands) |  | 2015 |  | 2014 |
Construction |  | $ | 86,548 |  | $ | 69,157 |
Residential real estate |  |  | 303,137 |  |  | 273,336 |
Commercial real estate |  |  | 323,160 |  |  | 305,788 |
Commercial |  |  | 57,129 |  |  | 52,671 |
Consumer |  |  | 7,088 |  |  | 9,794 |
Total loans |  |  | 777,062 |  |  | 710,746 |
Allowance for credit losses |  |  | (8,098) |  |  | (7,695) |
Total loans, net |  | $ | 768,964 |  | $ | 703,051 |
Allowance for Credit Losses on Loans Receivables Additional Information [Table Text Block] | The following tables include impairment information relating to loans and the allowance for credit losses as of September 30, 2015 and December 31, 2014.
|  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total |
September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 11,766 |  | $ | 10,753 |  | $ | 6,768 |  | $ | 165 |  | $ | 122 |  | $ | - |  | $ | 29,574 |
Loans collectively evaluated for impairment |  |  | 74,782 |  |  | 292,384 |  |  | 316,392 |  |  | 56,964 |  |  | 6,966 |  |  | - |  |  | 747,488 |
Total loans |  | $ | 86,548 |  | $ | 303,137 |  | $ | 323,160 |  | $ | 57,129 |  | $ | 7,088 |  | $ | - |  | $ | 777,062 |
Allowance for credit losses allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 676 |  | $ | 363 |  | $ | 189 |  | $ | - |  | $ | - |  | $ | - |  | $ | 1,228 |
Loans collectively evaluated for impairment |  |  | 1,166 |  |  | 1,928 |  |  | 2,622 |  |  | 499 |  |  | 156 |  |  | 499 |  |  | 6,870 |
Total allowance for credit losses |  | $ | 1,842 |  | $ | 2,291 |  | $ | 2,811 |  | $ | 499 |  | $ | 156 |  | $ | 499 |  | $ | 8,098 |
|  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total |
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 10,067 |  | $ | 10,403 |  | $ | 9,359 |  | $ | 188 |  | $ | 124 |  | $ | - |  | $ | 30,141 |
Loans collectively evaluated for impairment |  |  | 59,090 |  |  | 262,933 |  |  | 296,429 |  |  | 52,483 |  |  | 9,670 |  |  | - |  |  | 680,605 |
Total loans |  | $ | 69,157 |  | $ | 273,336 |  | $ | 305,788 |  | $ | 52,671 |  | $ | 9,794 |  | $ | - |  | $ | 710,746 |
Allowance for credit losses allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 41 |  | $ | 1,099 |  | $ | 129 |  | $ | 1 |  | $ | 3 |  | $ | - |  | $ | 1,273 |
Loans collectively evaluated for impairment |  |  | 1,262 |  |  | 1,735 |  |  | 2,250 |  |  | 447 |  |  | 226 |  |  | 502 |  |  | 6,422 |
Total allowance for credit losses |  | $ | 1,303 |  | $ | 2,834 |  | $ | 2,379 |  | $ | 448 |  | $ | 229 |  | $ | 502 |  | $ | 7,695 |
Impaired Financing Receivables [Table Text Block] | The following tables provide information on impaired loans and any related allowance by loan class as of September 30, 2015 and December 31, 2014. The difference between the unpaid principal balance and the recorded investment is the amount of partial charge-offs that have been taken.
|  |  |  | Recorded |  | Recorded |  |  |  | Quarter-to- |  | Year-to-date |
|  | Unpaid |  | investment |  | investment |  |  |  | date average |  | average |
|  | principal |  | with no |  | with an |  | Related |  | recorded |  | recorded |
(Dollars in thousands) |  | balance |  | allowance |  | allowance |  | allowance |  | investment |  | investment |
September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Impaired nonaccrual loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 11,999 |  | $ | 4,796 |  | $ | 2,889 |  | $ | 643 |  | $ | 8,025 |  | $ | 8,121 |
Residential real estate |  |  | 4,399 |  |  | 3,591 |  |  | 487 |  |  | 156 |  |  | 3,812 |  |  | 2,710 |
Commercial real estate |  |  | 1,451 |  |  | 884 |  |  | 209 |  |  | 9 |  |  | 2,137 |  |  | 2,511 |
Commercial |  |  | 177 |  |  | 165 |  |  | - |  |  | - |  |  | 170 |  |  | 105 |
Consumer |  |  | 128 |  |  | 122 |  |  | - |  |  | - |  |  | 123 |  |  | 123 |
Total |  |  | 18,154 |  |  | 9,558 |  |  | 3,585 |  |  | 808 |  |  | 14,267 |  |  | 13,570 |
Impaired accruing TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | 4,081 |  |  | 3,273 |  |  | 808 |  |  | 33 |  |  | 4,099 |  |  | 4,076 |
Residential real estate |  |  | 6,675 |  |  | 3,350 |  |  | 3,325 |  |  | 207 |  |  | 7,520 |  |  | 7,084 |
Commercial real estate |  |  | 5,675 |  |  | 4,300 |  |  | 1,375 |  |  | 180 |  |  | 5,687 |  |  | 6,065 |
Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 27 |  |  | 38 |
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Total |  |  | 16,431 |  |  | 10,923 |  |  | 5,508 |  |  | 420 |  |  | 17,333 |  |  | 17,263 |
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | 16,080 |  |  | 8,069 |  |  | 3,697 |  |  | 676 |  |  | 12,124 |  |  | 12,197 |
Residential real estate |  |  | 11,074 |  |  | 6,941 |  |  | 3,812 |  |  | 363 |  |  | 11,332 |  |  | 9,794 |
Commercial real estate |  |  | 7,126 |  |  | 5,184 |  |  | 1,584 |  |  | 189 |  |  | 7,824 |  |  | 8,576 |
Commercial |  |  | 177 |  |  | 165 |  |  | - |  |  | - |  |  | 197 |  |  | 143 |
Consumer |  |  | 128 |  |  | 122 |  |  | - |  |  | - |  |  | 123 |  |  | 123 |
Total |  | $ | 34,585 |  | $ | 20,481 |  | $ | 9,093 |  | $ | 1,228 |  | $ | 31,600 |  | $ | 30,833 |
|  |  |  |  |  |  |  |  |  | September 30, 2014 |
|  |  |  |  | Recorded |  | Recorded |  |  |  | Quarter-to- |  | Year-to-date |
|  |  | Unpaid |  | investment |  | investment |  |  |  | date average |  | average |
|  |  | principal |  | with no |  | with an |  | Related |  | recorded |  | recorded |
(Dollars in thousands) |  |  | balance |  | allowance |  | allowance |  | allowance |  | investment |  | investment |
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Impaired nonaccrual loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 9,277 |  | $ | 6,045 |  | $ | - |  | $ | - |  | $ | 7,492 |  | $ | 7,918 |
Residential real estate |  |  | 4,664 |  |  | 1,053 |  |  | 2,982 |  |  | 799 |  |  | 2,604 |  |  | 4,014 |
Commercial real estate |  |  | 4,703 |  |  | 2,842 |  |  | 280 |  |  | 100 |  |  | 3,132 |  |  | 4,443 |
Commercial |  |  | 1,372 |  |  | 136 |  |  | 5 |  |  | 1 |  |  | 389 |  |  | 558 |
Consumer |  |  | 129 |  |  | 99 |  |  | 25 |  |  | 3 |  |  | 124 |  |  | 55 |
Total |  |  | 20,145 |  |  | 10,175 |  |  | 3,292 |  |  | 903 |  |  | 13,741 |  |  | 16,988 |
Impaired accruing TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | 4,022 |  |  | 3,196 |  |  | 826 |  |  | 41 |  |  | 3,404 |  |  | 2,301 |
Residential real estate |  |  | 6,368 |  |  | 668 |  |  | 5,700 |  |  | 300 |  |  | 16,190 |  |  | 16,131 |
Commercial real estate |  |  | 6,237 |  |  | 4,774 |  |  | 1,463 |  |  | 29 |  |  | 5,459 |  |  | 6,826 |
Commercial |  |  | 47 |  |  | 47 |  |  | - |  |  | - |  |  | 54 |  |  | 62 |
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Total |  |  | 16,674 |  |  | 8,685 |  |  | 7,989 |  |  | 370 |  |  | 25,107 |  |  | 25,320 |
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | 13,299 |  |  | 9,241 |  |  | 826 |  |  | 41 |  |  | 10,896 |  |  | 10,219 |
Residential real estate |  |  | 11,032 |  |  | 1,721 |  |  | 8,682 |  |  | 1,099 |  |  | 18,794 |  |  | 20,145 |
Commercial real estate |  |  | 10,940 |  |  | 7,616 |  |  | 1,743 |  |  | 129 |  |  | 8,591 |  |  | 11,269 |
Commercial |  |  | 1,419 |  |  | 183 |  |  | 5 |  |  | 1 |  |  | 443 |  |  | 620 |
Consumer |  |  | 129 |  |  | 99 |  |  | 25 |  |  | 3 |  |  | 124 |  |  | 55 |
Total |  | $ | 36,819 |  | $ | 18,860 |  | $ | 11,281 |  | $ | 1,273 |  | $ | 38,848 |  | $ | 42,308 |
Schedule of Financing Receivables Accruing and Non Accrual of Troubled Debt restructurings [Table Text Block] | The following tables provide a roll-forward for troubled debt restructurings as of September 30, 2015 and September 30, 2014.
|  | 1/1/15 |  |  |  |  |  |  |  | Reclassification/ |  |  |  | 9/30/15 |  |  |
|  | TDR |  | New |  | Disbursements |  | Charge |  | Transfers |  |  |  | TDR |  | Related |
(Dollars in thousands) |  | Balance |  | TDRs |  | (Payments) |  | offs |  | In/(Out) |  | Payoffs |  | Balance |  | Allowance |
For the nine months ended 9/30/2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Accruing TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 4,022 |  | $ | - |  | $ | (83) |  | $ | - |  | $ | 142 |  | $ | - |  | $ | 4,081 |  | $ | 33 |
Residential Real Estate |  |  | 6,368 |  |  | 1,837 |  |  | (206) |  |  | - |  |  | (1,324) |  |  | - |  |  | 6,675 |  |  | 207 |
Commercial Real Estate |  |  | 6,237 |  |  | - |  |  | (562) |  |  | - |  |  | - |  |  | - |  |  | 5,675 |  |  | 180 |
Commercial |  |  | 47 |  |  | - |  |  | (6) |  |  | - |  |  | (41) |  |  | - |  |  | - |  |  | - |
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Total |  | $ | 16,674 |  | $ | 1,837 |  | $ | (857) |  | $ | - |  | $ | (1,223) |  | $ | - |  | $ | 16,431 |  | $ | 420 |
Nonaccrual TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 3,321 |  | $ | - |  | $ | (207) |  | $ | (1,058) |  | $ | 2,911 |  | $ | - |  | $ | 4,967 |  | $ | 643 |
Residential Real Estate |  |  | 3,382 |  |  | - |  |  | (21) |  |  | - |  |  | (2,911) |  |  | - |  |  | 450 |  |  | 89 |
Commercial Real Estate |  |  | 346 |  |  | - |  |  | (4) |  |  | (40) |  |  | (302) |  |  | - |  |  | - |  |  | - |
Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Consumer |  |  | 25 |  |  | - |  |  | (2) |  |  | - |  |  | - |  |  | - |  |  | 23 |  |  | - |
Total |  | $ | 7,074 |  | $ | - |  | $ | (234) |  | $ | (1,098) |  | $ | (302) |  | $ | - |  | $ | 5,440 |  | $ | 732 |
Total TDRs |  | $ | 23,748 |  | $ | 1,837 |  | $ | (1,091) |  | $ | (1,098) |  | $ | *(1,525) |  | $ | - |  | $ | 21,871 |  | $ | 1,152 |
|  | 1/1/14 |  |  |  |  |  |  |  | Reclassification/ |  |  |  | 9/30/14 |  |  |
|  | TDR |  | New |  | Disbursements |  |  |  | Transfers |  |  |  | TDR |  | Related |
(Dollars in thousands) |  | Balance |  | TDRs |  | (Payments) |  | Charge offs |  | In/(Out) |  | Payoffs |  | Balance |  | Allowance |
For the nine months ended 9/30/2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Accruing TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 1,620 |  | $ | - |  | $ | (52) |  | $ | (538) |  | $ | 2,643 |  | $ | (270) |  | $ | 3,403 |  | $ | 1 |
Residential Real Estate |  |  | 14,582 |  |  | - |  |  | 1,324 |  |  | - |  |  | 478 |  |  | (158) |  |  | 16,226 |  |  | 168 |
Commercial Real Estate |  |  | 9,791 |  |  | - |  |  | (71) |  |  | (549) |  |  | (2,508) |  |  | (1,097) |  |  | 5,566 |  |  | 6 |
Commercial |  |  | 95 |  |  | - |  |  | (19) |  |  | - |  |  | - |  |  | (24) |  |  | 52 |  |  | - |
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Total |  | $ | 26,088 |  | $ | - |  | $ | 1,182 |  | $ | (1,087) |  | $ | 613 |  | $ | (1,549) |  | $ | 25,247 |  | $ | 175 |
Nonaccrual TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 3,561 |  | $ | - |  | $ | (12) |  | $ | (235) |  | $ | 760 |  | $ | - |  | $ | 4,074 |  | $ | - |
Residential Real Estate |  |  | 1,884 |  |  | - |  |  | (40) |  |  | (203) |  |  | (1,037) |  |  | (123) |  |  | 481 |  |  | - |
Commercial Real Estate |  |  | 842 |  |  | - |  |  | (91) |  |  | (65) |  |  | (336) |  |  | - |  |  | 350 |  |  | - |
Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Consumer |  |  | 26 |  |  | - |  |  | (1) |  |  | - |  |  | - |  |  | - |  |  | 25 |  |  | 25 |
Total |  | $ | 6,313 |  | $ | - |  | $ | (144) |  | $ | (503) |  | $ | (613) |  | $ | (123) |  | $ | 4,930 |  | $ | 25 |
Total TDRs |  | $ | 32,401 |  | $ | - |  | $ | 1,038 |  | $ | (1,590) |  | $ | - |  | $ | (1,672) |  | $ | 30,177 |  | $ | 200 |
* $1.3 million in subsequently modified TDRs were transferred from accruing TDR classification to accrual status during the period, thus removing the TDR designation. In accordance with ASC 310-40-50-2 “Creditor Disclosure of Troubled Debt Restructurings,” an impaired loan that has been subsequently restructured in a troubled debt restructuring involving modification of terms need not be included in the disclosures in years after the restructuring if both of the following conditions exist: a) the subsequent restructuring agreement specifies an interest rate equal to or greater than the rate that the creditor was willing to accept at the time of the restructuring for a new loan with comparable risk; and b) the loan is not impaired based on the terms specified by the restructuring agreement. During the period ended September 30, 2015, three loans totaling $1.3 million met the conditions stipulated in ASC 310-40-50-2, and after a careful evaluation of well supported documentation by management, these loans were upgraded to accrual status.
Troubled Debt Restructurings on Financing Receivables [Table Text Block] | The following tables provide information on loans that were modified and considered TDRs during the nine months ended September 30, 2015 and September 30, 2014.
|  |  |  |  | Premodification |  | Postmodification |  |  |
|  |  |  |  | outstanding |  | outstanding |  |  |
|  |  | Number of |  | recorded |  | recorded |  | Related |
(Dollars in thousands) |  |  | contracts |  | investment |  | investment |  | allowance |
TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |
For the nine months ended September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | - |  | $ | - |  | $ | - |  | $ | - |
Residential real estate |  |  | 10 |  |  | 1,835 |  |  | 1,837 |  |  | 19 |
Commercial real estate |  |  | - |  |  | - |  |  | - |  |  | - |
Commercial |  |  | - |  |  | - |  |  | - |  |  | - |
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |
Total |  |  | 10 |  | $ | 1,835 |  | $ | 1,837 |  | $ | 19 |
For the nine months ended September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | - |  | $ | - |  | $ | - |  | $ | - |
Residential real estate |  |  | - |  |  | - |  |  | - |  |  | - |
Commercial real estate |  |  | - |  |  | - |  |  | - |  |  | - |
Commercial |  |  | - |  |  | - |  |  | - |  |  | - |
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |
Total |  |  | - |  | $ | - |  | $ | - |  | $ | - |
Troubled Debt Restructurings that Defaulted on Financing Receivables [Table Text Block] | The following tables provide information on TDRs that defaulted during the nine months ended September 30, 2015 and September 30, 2014. Generally, a loan is considered in default when principal or interest is past due 90 days or more.
|  |  | Number of |  | Recorded |  | Related |
(Dollars in thousands) |  |  | contracts |  | investment |  | allowance |
TDRs that subsequently defaulted: |  |  |  |  |  |  |  |  |  |
For the nine months ended September 30, 2015 |  |  |  |  |  |  |  |  |  |
Construction |  |  | - |  | $ | - |  | $ | - |
Residential real estate |  |  | - |  |  | - |  |  | - |
Commercial real estate |  |  | 2 |  |  | 279 |  |  | - |
Commercial |  |  | - |  |  | - |  |  | - |
Consumer |  |  | - |  |  | - |  |  | - |
Total |  |  | 2 |  | $ | 279 |  | $ | - |
TDRs that subsequently defaulted: |  |  |  |  |  |  |  |  |  |
For the nine months ended September 30, 2014 |  |  |  |  |  |  |  |  |  |
Construction |  |  | - |  | $ | - |  | $ | - |
Residential real estate |  |  | - |  |  | - |  |  | - |
Commercial real estate |  |  | - |  |  | - |  |  | - |
Commercial |  |  | - |  |  | - |  |  | - |
Consumer |  |  | - |  |  | - |  |  | - |
Total |  |  | - |  | $ | - |  | $ | - |
Financing Receivable Credit Quality Indicators [Table Text Block] | The following tables provide information on loan risk ratings as of September 30, 2015 and December 31, 2014.
|  |  |  | Special |  |  |  |  |  |  |
(Dollars in thousands) |  | Pass/Performing |  | mention |  | Substandard |  | Doubtful |  | Total |
September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 69,344 |  | $ | 5,525 |  | $ | 11,679 |  | $ | - |  | $ | 86,548 |
Residential real estate |  |  | 283,551 |  |  | 7,823 |  |  | 11,763 |  |  | - |  |  | 303,137 |
Commercial real estate |  |  | 294,148 |  |  | 20,261 |  |  | 8,542 |  |  | 209 |  |  | 323,160 |
Commercial |  |  | 55,282 |  |  | 1,632 |  |  | 215 |  |  | - |  |  | 57,129 |
Consumer |  |  | 6,930 |  |  | 35 |  |  | 123 |  |  | - |  |  | 7,088 |
Total |  | $ | 709,255 |  | $ | 35,276 |  | $ | 32,322 |  | $ | 209 |  | $ | 777,062 |
|  |  |  | Special |  |  |  |  |  |  |
(Dollars in thousands) |  | Pass/Performing |  | mention |  | Substandard |  | Doubtful |  | Total |
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 52,241 |  | $ | 5,643 |  | $ | 11,273 |  | $ | - |  | $ | 69,157 |
Residential real estate |  |  | 252,643 |  |  | 6,675 |  |  | 14,018 |  |  | - |  |  | 273,336 |
Commercial real estate |  |  | 275,573 |  |  | 20,040 |  |  | 10,175 |  |  | - |  |  | 305,788 |
Commercial |  |  | 50,583 |  |  | 1,885 |  |  | 114 |  |  | 89 |  |  | 52,671 |
Consumer |  |  | 9,658 |  |  | 13 |  |  | 123 |  |  | - |  |  | 9,794 |
Total |  | $ | 640,698 |  | $ | 34,256 |  | $ | 35,703 |  | $ | 89 |  | $ | 710,746 |
Past Due Financing Receivables [Table Text Block] | The following tables provide information on the aging of the loan portfolio as of September 30, 2015 and December 31, 2014.
|  | Accruing |  |  |  |  |  |  |
|  |  |  |  | 30-59 |  |  | 60-89 |  |  | 90 days |  |  |  |  |  |  |  |  |  |
|  |  |  |  | days |  |  | days past |  |  | or more |  |  | Total past |  |  |  |  |  |  |
(Dollars in thousands) |  | Current |  |  | past due |  |  | due |  |  | past due |  |  | due |  |  | Nonaccrual |  |  | Total |
September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 78,863 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 7,685 |  |  | $ | 86,548 |
Residential real estate |  |  | 296,151 |  |  |  | 2,274 |  |  |  | 634 |  |  |  | - |  |  |  | 2,908 |  |  |  | 4,078 |  |  |  | 303,137 |
Commercial real estate |  |  | 320,934 |  |  |  | 1,133 |  |  |  | - |  |  |  | - |  |  |  | 1,133 |  |  |  | 1,093 |  |  |  | 323,160 |
Commercial |  |  | 56,901 |  |  |  | 21 |  |  |  | 42 |  |  |  | - |  |  |  | 63 |  |  |  | 165 |  |  |  | 57,129 |
Consumer |  |  | 6,874 |  |  |  | 79 |  |  |  | 9 |  |  |  | 4 |  |  |  | 92 |  |  |  | 122 |  |  |  | 7,088 |
Total |  | $ | 759,723 |  |  | $ | 3,507 |  |  | $ | 685 |  |  | $ | 4 |  |  | $ | 4,196 |  |  | $ | 13,143 |  |  | $ | 777,062 |
Percent of total loans |  |  | 97.7 | % |  |  | 0.5 | % |  |  | 0.1 | % |  |  | - | % |  |  | 0.6 | % |  |  | 1.7 | % |  |  |  |
|  | Accruing |  |  |  |  |  |  |
|  |  |  |  | 30-59 |  |  | 60-89 |  |  | 90 days or |  |  |  |  |  |  |  |  |  |
|  |  |  |  | days |  |  | days past |  |  | more past |  |  | Total past |  |  |  |  |  |  |
(Dollars in thousands) |  | Current |  |  | past due |  |  | due |  |  | due |  |  | due |  |  | Nonaccrual |  |  | Total |
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 61,325 |  |  | $ | 1,786 |  |  | $ | - |  |  | $ | - |  |  | $ | 1,786 |  |  | $ | 6,046 |  |  | $ | 69,157 |
Residential real estate |  |  | 263,165 |  |  |  | 3,351 |  |  |  | 2,702 |  |  |  | 83 |  |  |  | 6,136 |  |  |  | 4,035 |  |  |  | 273,336 |
Commercial real estate |  |  | 301,695 |  |  |  | 459 |  |  |  | 513 |  |  |  | - |  |  |  | 972 |  |  |  | 3,121 |  |  |  | 305,788 |
Commercial |  |  | 52,352 |  |  |  | 47 |  |  |  | 131 |  |  |  | - |  |  |  | 178 |  |  |  | 141 |  |  |  | 52,671 |
Consumer |  |  | 9,619 |  |  |  | 11 |  |  |  | 37 |  |  |  | 4 |  |  |  | 52 |  |  |  | 123 |  |  |  | 9,794 |
Total |  | $ | 688,156 |  |  | $ | 5,654 |  |  | $ | 3,383 |  |  | $ | 87 |  |  | $ | 9,124 |  |  | $ | 13,466 |  |  | $ | 710,746 |
Percent of total loans |  |  | 96.8 | % |  |  | 0.8 | % |  |  | 0.5 | % |  |  | - | % |  |  | 1.3 | % |  |  | 1.9 | % |  |  |  |
Allowance for Credit Losses on Financing Receivables [Table Text Block] | Allocation of a portion of the allowance to one loan class does not preclude its availability to absorb losses in other loan classes.
|  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total |
For the three months ended September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,852 |  | $ | 2,318 |  | $ | 2,616 |  | $ | 505 |  | $ | 168 |  | $ | 458 |  | $ | 7,917 |
Charge-offs |  |  | (479) |  |  | (26) |  |  | - |  |  | (136) |  |  | - |  |  | - |  |  | (641) |
Recoveries |  |  | 9 |  |  | 102 |  |  | 233 |  |  | 60 |  |  | 8 |  |  | - |  |  | 412 |
Net charge-offs |  |  | (470) |  |  | 76 |  |  | 233 |  |  | (76) |  |  | 8 |  |  | - |  |  | (229) |
Provision |  |  | 460 |  |  | (103) |  |  | (38) |  |  | 70 |  |  | (20) |  |  | 41 |  |  | 410 |
Ending balance |  | $ | 1,842 |  | $ | 2,291 |  | $ | 2,811 |  | $ | 499 |  | $ | 156 |  | $ | 499 |  | $ | 8,098 |
|  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total |
For the three months ended September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 2,248 |  | $ | 2,354 |  | $ | 2,652 |  | $ | 858 |  | $ | 306 |  | $ | 658 |  | $ | 9,076 |
Charge-offs |  |  | (213) |  |  | (242) |  |  | (35) |  |  | (1,019) |  |  | (6) |  |  | - |  |  | (1,515) |
Recoveries |  |  | 1 |  |  | 229 |  |  | 9 |  |  | 24 |  |  | 7 |  |  | - |  |  | 270 |
Net charge-offs |  |  | (212) |  |  | (13) |  |  | (26) |  |  | (995) |  |  | 1 |  |  | - |  |  | (1,245) |
Provision |  |  | (206) |  |  | 47 |  |  | 115 |  |  | 935 |  |  | (39) |  |  | (77) |  |  | 775 |
Ending balance |  | $ | 1,830 |  | $ | 2,388 |  | $ | 2,741 |  | $ | 798 |  | $ | 268 |  | $ | 581 |  | $ | 8,606 |
|  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total |
For the nine months ended September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,303 |  | $ | 2,834 |  | $ | 2,379 |  | $ | 448 |  | $ | 229 |  | $ | 502 |  | $ | 7,695 |
Charge-offs |  |  | (1,058) |  |  | (283) |  |  | (320) |  |  | (285) |  |  | (45) |  |  | - |  |  | (1,991) |
Recoveries |  |  | 116 |  |  | 247 |  |  | 248 |  |  | 142 |  |  | 41 |  |  | - |  |  | 794 |
Net charge-offs |  |  | (942) |  |  | (36) |  |  | (72) |  |  | (143) |  |  | (4) |  |  | - |  |  | (1,197) |
Provision |  |  | 1,481 |  |  | (507) |  |  | 504 |  |  | 194 |  |  | (69) |  |  | (3) |  |  | 1,600 |
Ending balance |  | $ | 1,842 |  | $ | 2,291 |  | $ | 2,811 |  | $ | 499 |  | $ | 156 |  | $ | 499 |  | $ | 8,098 |
|  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total |
For the nine months ended September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,960 |  | $ | 3,854 |  | $ | 3,029 |  | $ | 1,266 |  | $ | 243 |  | $ | 373 |  | $ | 10,725 |
Charge-offs |  |  | (454) |  |  | (1,229) |  |  | (1,648) |  |  | (1,956) |  |  | (153) |  |  | - |  |  | (5,440) |
Recoveries |  |  | 12 |  |  | 335 |  |  | 22 |  |  | 231 |  |  | 21 |  |  | - |  |  | 621 |
Net charge-offs |  |  | (442) |  |  | (894) |  |  | (1,626) |  |  | (1,725) |  |  | (132) |  |  | - |  |  | (4,819) |
Provision |  |  | 312 |  |  | (572) |  |  | 1,338 |  |  | 1,257 |  |  | 157 |  |  | 208 |  |  | 2,700 |
Ending balance |  | $ | 1,830 |  | $ | 2,388 |  | $ | 2,741 |  | $ | 798 |  | $ | 268 |  | $ | 581 |  | $ | 8,606 |

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