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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Table) | 12 Months Ended
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Dec. 31, 2016
Receivables [Abstract] |
Schedule of Financing Receivables | The following table provides information about the principal classes of the loan portfolio at December 31, 2016 and 2015. ﻿
﻿ |  |  |  |  |  |
﻿(Dollars in thousands) |  | 2016 |  | 2015
﻿Construction |  | $ | 84,002 |  | $ | 85,632
﻿Residential real estate |  |  | 325,768 |  |  | 307,063
﻿Commercial real estate |  |  | 382,681 |  |  | 330,253
﻿Commercial |  |  | 72,435 |  |  | 64,911
﻿Consumer |  |  | 6,639 |  |  | 7,255
﻿Total loans |  |  | 871,525 |  |  | 795,114
﻿Allowance for credit losses |  |  | (8,726) |  |  | (8,316)
﻿Total loans, net |  | $ | 862,799 |  | $ | 786,798
﻿
Allowance for Credit Losses on Financing Receivables | The following tables include impairment information relating to loans and the allowance for credit losses as of December 31, 2016 and 2015. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total
December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 8,007 |  | $ | 7,778 |  | $ | 6,088 |  | $ | - |  | $ | 99 |  | $ | - |  | $ | 21,972
Loans collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  |  | 75,995 |  |  | 317,990 |  |  | 376,593 |  |  | 72,435 |  |  | 6,540 |  |  | - |  |  | 849,553
Total loans |  | $ | 84,002 |  | $ | 325,768 |  | $ | 382,681 |  | $ | 72,435 |  | $ | 6,639 |  | $ | - |  | $ | 871,525
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
losses allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 1,639 |  | $ | 317 |  | $ | 185 |  | $ | - |  | $ | - |  | $ | - |  | $ | 2,141
Loans collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  |  | 1,148 |  |  | 1,636 |  |  | 2,425 |  |  | 1,145 |  |  | 231 |  |  | - |  |  | 6,585
Total loans |  | $ | 2,787 |  | $ | 1,953 |  | $ | 2,610 |  | $ | 1,145 |  | $ | 231 |  | $ | - |  | $ | 8,726
﻿ During 2016, due to the consolidation of Talbot and CNB, the processes and assumptions affecting the allowance methodology were re-evaluated for a more unified representation of the new consolidated bank. This re-evaluation resulted in a net change in the unallocated portion of the allowance of $776 thousand. ﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total
December 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 11,598 |  | $ | 7,945 |  | $ | 7,762 |  | $ | 161 |  | $ | 122 |  | $ | - |  | $ | 27,588
Loans collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  |  | 74,034 |  |  | 299,118 |  |  | 322,491 |  |  | 64,750 |  |  | 7,133 |  |  | - |  |  | 767,526
Total loans |  | $ | 85,632 |  | $ | 307,063 |  | $ | 330,253 |  | $ | 64,911 |  | $ | 7,255 |  | $ | - |  | $ | 795,114
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
losses allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 619 |  | $ | 435 |  | $ | 340 |  | $ | - |  | $ | 7 |  | $ | - |  | $ | 1,401
Loans collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  |  | 1,027 |  |  | 1,746 |  |  | 2,659 |  |  | 558 |  |  | 149 |  |  | 776 |  |  | 6,915
Total loans |  | $ | 1,646 |  | $ | 2,181 |  | $ | 2,999 |  | $ | 558 |  | $ | 156 |  | $ | 776 |  | $ | 8,316
﻿ The following tables provide a summary of the activity in the allowance for credit losses allocated by loan class for 2016 and 2015. 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
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 1,646 |  | $ | 2,181 |  | $ | 2,999 |  | $ | 558 |  | $ | 156 |  | $ | 776 |  | $ | 8,316
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Charge-offs |  |  | (615) |  |  | (580) |  |  | (503) |  |  | (497) |  |  | (45) |  |  | - |  |  | (2,240)
Recoveries |  |  | 35 |  |  | 298 |  |  | 25 |  |  | 428 |  |  | 16 |  |  | - |  |  | 802
Net charge-offs |  |  | (580) |  |  | (282) |  |  | (478) |  |  | (69) |  |  | (29) |  |  | - |  |  | (1,438)
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision |  |  | 1,721 |  |  | 54 |  |  | 89 |  |  | 656 |  |  | 104 |  |  | (776) |  |  | 1,848
Ending Balance |  | $ | 2,787 |  | $ | 1,953 |  | $ | 2,610 |  | $ | 1,145 |  | $ | 231 |  | $ | - |  | $ | 8,726
﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 1,303 |  | $ | 2,834 |  | $ | 2,379 |  | $ | 448 |  | $ | 229 |  | $ | 502 |  | $ | 7,695
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Charge-offs |  |  | (1,058) |  |  | (283) |  |  | (920) |  |  | (396) |  |  | (67) |  |  | - |  |  | (2,724)
Recoveries |  |  | 125 |  |  | 398 |  |  | 379 |  |  | 319 |  |  | 49 |  |  | - |  |  | 1,270
Net charge-offs |  |  | (933) |  |  | 115 |  |  | (541) |  |  | (77) |  |  | (18) |  |  | - |  |  | (1,454)
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision |  |  | 1,276 |  |  | (768) |  |  | 1,161 |  |  | 187 |  |  | (55) |  |  | 274 |  |  | 2,075
Ending Balance |  | $ | 1,646 |  | $ | 2,181 |  | $ | 2,999 |  | $ | 558 |  | $ | 156 |  | $ | 776 |  | $ | 8,316
﻿
Impaired Financing Receivables | The following tables provide information on impaired loans and any related allowance by loan class as of December 31, 2016 and 2015. The difference between the unpaid principal balance and the recorded investment is the amount of partial charge-offs that have been taken. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | Recorded |  |  | Recorded |  |  |  |  |  |  |
﻿ |  | Unpaid |  |  | investment |  |  | investment |  |  |  | Average |  | Interest
﻿ |  | principal |  |  | with no |  |  | with an |  | Related |  | recorded |  | income
﻿(Dollars in thousands) |  | balance |  |  | allowance |  |  | allowance |  | allowance |  | investment |  | recognized
﻿December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Impaired nonaccrual loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 7,247 |  | $ | - |  | $ | 3,818 |  | $ | 1,621 |  | $ | 5,707 |  | $ | -
﻿Residential real estate |  |  | 4,013 |  |  | 1,957 |  |  | 1,946 |  |  | 166 |  |  | 3,500 |  |  | -
﻿Commercial real estate |  |  | 1,801 |  |  | 959 |  |  | 193 |  |  | 117 |  |  | 2,144 |  |  | -
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 108 |  |  | -
﻿Consumer |  |  | 99 |  |  | 99 |  |  | - |  |  | - |  |  | 106 |  |  | -
﻿Total |  | $ | 13,160 |  | $ | 3,015 |  | $ | 5,957 |  | $ | 1,904 |  | $ | 11,565 |  | $ | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Impaired accruing TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 4,189 |  | $ | 3,479 |  | $ | 710 |  | $ | 18 |  | $ | 4,172 |  | $ | 96
﻿Residential real estate |  |  | 3,875 |  |  | 2,829 |  |  | 1,046 |  |  | 151 |  |  | 4,663 |  |  | 195
﻿Commercial real estate |  |  | 4,936 |  |  | 1,573 |  |  | 3,363 |  |  | 68 |  |  | 5,090 |  |  | 174
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 13,000 |  | $ | 7,881 |  | $ | 5,119 |  | $ | 237 |  | $ | 13,925 |  | $ | 465
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 11,436 |  | $ | 3,479 |  | $ | 4,528 |  | $ | 1,639 |  | $ | 9,879 |  | $ | 96
﻿Residential real estate |  |  | 7,888 |  |  | 4,786 |  |  | 2,992 |  |  | 317 |  |  | 8,163 |  |  | 195
﻿Commercial real estate |  |  | 6,737 |  |  | 2,532 |  |  | 3,556 |  |  | 185 |  |  | 7,234 |  |  | 174
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 108 |  |  | -
﻿Consumer |  |  | 99 |  |  | 99 |  |  | - |  |  | - |  |  | 106 |  |  | -
﻿Total |  | $ | 26,160 |  | $ | 10,896 |  | $ | 11,076 |  | $ | 2,141 |  | $ | 25,490 |  | $ | 465
﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | Recorded |  |  | Recorded |  |  |  |  |  |  |
﻿ |  | Unpaid |  |  | investment |  |  | investment |  |  |  | Average |  | Interest
﻿ |  | principal |  |  | with no |  |  | with an |  | Related |  | recorded |  | income
﻿(Dollars in thousands) |  | balance |  |  | allowance |  |  | allowance |  | allowance |  | investment |  | recognized
﻿December 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Impaired nonaccrual loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 11,850 |  | $ | 4,647 |  | $ | 2,882 |  | $ | 588 |  | $ | 8,176 |  | $ | -
﻿Residential real estate |  |  | 2,563 |  |  | 1,773 |  |  | 487 |  |  | 208 |  |  | 2,767 |  |  | -
﻿Commercial real estate |  |  | 2,988 |  |  | 1,813 |  |  | 209 |  |  | 9 |  |  | 2,159 |  |  | -
﻿Commercial |  |  | 175 |  |  | 161 |  |  | - |  |  | - |  |  | 126 |  |  | -
﻿Consumer |  |  | 128 |  |  | 98 |  |  | 23 |  |  | 7 |  |  | 122 |  |  | -
﻿Total |  | $ | 17,704 |  | $ | 8,492 |  | $ | 3,601 |  | $ | 812 |  | $ | 13,350 |  | $ | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Impaired accruing TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 4,069 |  | $ | 3,266 |  | $ | 803 |  | $ | 31 |  | $ | 4,080 |  | $ | 84
﻿Residential real estate |  |  | 5,686 |  |  | 2,380 |  |  | 3,306 |  |  | 227 |  |  | 6,947 |  |  | 312
﻿Commercial real estate |  |  | 5,740 |  |  | 1,702 |  |  | 4,038 |  |  | 331 |  |  | 5,943 |  |  | 254
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 27 |  |  | 1
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 15,495 |  | $ | 7,348 |  | $ | 8,147 |  | $ | 589 |  | $ | 16,997 |  | $ | 651
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 15,919 |  | $ | 7,913 |  | $ | 3,685 |  | $ | 619 |  | $ | 12,256 |  | $ | 84
﻿Residential real estate |  |  | 8,249 |  |  | 4,153 |  |  | 3,793 |  |  | 435 |  |  | 9,714 |  |  | 312
﻿Commercial real estate |  |  | 8,728 |  |  | 3,515 |  |  | 4,247 |  |  | 340 |  |  | 8,102 |  |  | 254
﻿Commercial |  |  | 175 |  |  | 161 |  |  | - |  |  | - |  |  | 153 |  |  | 1
﻿Consumer |  |  | 128 |  |  | 98 |  |  | 23 |  |  | 7 |  |  | 122 |  |  | -
﻿Total |  | $ | 33,199 |  | $ | 15,840 |  | $ | 11,748 |  | $ | 1,401 |  | $ | 30,347 |  | $ | 651
﻿
Troubled Debt Restructurings on Financing Receivables | The following tables provide a roll-forward for troubled debt restructurings as of December 31, 2016 and December 31, 2015. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | 1/1/2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/31/2016 |  |  |
﻿ |  | TDR |  | New |  | Disbursements |  | Charge |  | Reclassifications/ |  |  |  | TDR |  | Related
﻿(Dollars in thousands) |  | Balance |  | TDRs |  | (Payments) |  | offs |  | Transfer In/(Out) |  | Payoffs |  | Balance |  | Allowance
﻿For the year ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Accruing TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 4,069 |  | $ | - |  | $ | 120 |  | $ | - |  | $ | - |  | $ | - |  | $ | 4,189 |  | $ | 18
﻿Residential real estate |  |  | 5,686 |  |  | 565 |  |  | (405) |  |  | - |  |  | (1,595) |  |  | (376) |  |  | 3,875 |  |  | 151
﻿Commercial real estate |  |  | 5,740 |  |  | 495 |  |  | (724) |  |  | (117) |  |  | (458) |  |  | - |  |  | 4,936 |  |  | 68
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 15,495 |  | $ | 1,060 |  | $ | (1,009) |  | $ | (117) |  | $ | (2,053) |  | $ | (376) |  | $ | 13,000 |  | $ | 237
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Nonaccrual TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 4,960 |  | $ | 2,570 |  | $ | (2,022) |  | $ | (590) |  | $ | (1,100) |  | $ | - |  | $ | 3,818 |  | $ | 1,621
﻿Residential real estate |  |  | 445 |  |  | 117 |  |  | (531) |  |  | (23) |  |  | 1,595 |  |  | - |  |  | 1,603 |  |  | 156
﻿Commercial real estate |  |  | - |  |  | - |  |  | (117) |  |  | (258) |  |  | 458 |  |  | - |  |  | 83 |  |  | -
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  |  | 23 |  |  | - |  |  | (23) |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 5,428 |  | $ | 2,687 |  | $ | (2,693) |  | $ | (871) |  | $ | 953 |  | $ | - |  | $ | 5,504 |  | $ | 1,777
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total |  | $ | 20,923 |  | $ | 3,747 |  | $ | (3,702) |  | $ | (988) |  | $ | (1,100) |  | $ | (376) |  | $ | 18,504 |  | $ | 2,014
﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | 1/1/2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/31/15 |  |  |
﻿ |  | TDR |  | New |  | Disbursements |  | Charge |  | Reclassifications/ |  |  |  | TDR |  | Related
﻿(Dollars in thousands) |  | Balance |  | TDRs |  | (Payments) |  | offs |  | Transfer In/(Out) |  | Payoffs |  | Balance |  | Allowance
﻿For the year ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿December 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Accruing TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 4,022 |  | $ | - |  | $ | (95) |  | $ | - |  | $ | 142 |  | $ | - |  | $ | 4,069 |  | $ | 31
﻿Residential real estate |  |  | 6,368 |  |  | 1,837 |  |  | (1,195) |  |  | - |  |  | (1,324) |  |  | - |  |  | 5,686 |  |  | 227
﻿Commercial real estate |  |  | 6,237 |  |  | - |  |  | (497) |  |  | - |  |  | - |  |  | - |  |  | 5,740 |  |  | 331
﻿Commercial |  |  | 47 |  |  | - |  |  | (6) |  |  | - |  |  | (41) |  |  | - |  |  | - |  |  | -
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 16,674 |  | $ | 1,837 |  | $ | (1,793) |  | $ | - |  | $ | (1,223) |  | $ | - |  | $ | 15,495 |  | $ | 589
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Nonaccrual TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 3,321 |  | $ | - |  | $ | (214) |  | $ | (1,058) |  | $ | 2,911 |  | $ | - |  | $ | 4,960 |  | $ | 588
﻿Residential real estate |  |  | 3,382 |  |  | - |  |  | (26) |  |  | - |  |  | (2,911) |  |  | - |  |  | 445 |  |  | 141
﻿Commercial real estate |  |  | 346 |  |  | - |  |  | (4) |  |  | (40) |  |  | (302) |  |  | - |  |  | - |  |  | -
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  |  | 25 |  |  | - |  |  | (2) |  |  | - |  |  | - |  |  | - |  |  | 23 |  |  | 7
﻿Total |  | $ | 7,074 |  | $ | - |  | $ | (246) |  | $ | (1,098) |  | $ | (302) |  | $ | - |  | $ | 5,428 |  | $ | 736
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total |  | $ | 23,748 |  | $ | 1,837 |  | $ | (2,039) |  | $ | (1,098) |  | $ | (1,525) | * | $ | - |  | $ | 20,923 |  | $ | 1,325
* $1.3 million in subsequently modified TDRs were transferred from accruing TDR classification to accrual status during the third quarter of 2015, 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 December 31, 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. The following tables provide information on loans that were modified and considered TDRs during 2016 and 2015. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  | Premodification |  | Postmodification |  |  |
﻿ |  |  |  | outstanding |  | outstanding |  |  |
﻿ |  | Number of |  | recorded |  | recorded |  | Related
﻿(Dollars in thousands) |  | contracts |  | investment |  | investment |  | allowance
﻿TDRs: |  |  |  |  |  |  |  |  |  |  |
﻿For the year ended |  |  |  |  |  |  |  |  |  |  |
﻿December 31, 2016 |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | - |  | $ | - |  | $ | - |  | $ | -
﻿Residential real estate |  | 3 |  |  | 667 |  |  | 688 |  |  | -
﻿Commercial real estate |  | 2 |  |  | 695 |  |  | 572 |  |  | -
﻿Commercial |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | 5 |  | $ | 1,362 |  | $ | 1,260 |  | $ | -
﻿ |  |  |  |  |  |  |  |  |  |  |
﻿For the year ended |  |  |  |  |  |  |  |  |  |  |
﻿December 31, 2015 |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | - |  | $ | - |  | $ | - |  | $ | -
﻿Residential real estate |  | 10 |  |  | 1,835 |  |  | 1,837 |  |  | 19
﻿Commercial real estate |  | 1 |  |  | 2,262 |  |  | 2,347 |  |  | -
﻿Commercial |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | 11 |  | $ | 4,097 |  | $ | 4,184 |  | $ | 19
﻿
Troubled Debt Restructurings That Defaulted On Financing Receivables | During the year ended December 31, 2016, there were five TDRs which were modified. The modifications to these TDRs consisted of reductions in principal, interest and rate as well as payment frequency for one of the TDRs. ﻿ The following tables provide information on TDRs that defaulted during 2016 and 2015. 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 year ended |  |  |  |  |  |  |  |
﻿December 31, 2016 |  |  |  |  |  |  |  |
﻿Construction |  | 2 |  | $ | 589 |  | $ | -
﻿Residential real estate |  | 1 |  |  | 23 |  |  | -
﻿Commercial real estate |  | 2 |  |  | 375 |  |  | -
﻿Commercial |  | - |  |  | - |  |  | -
﻿Consumer |  | - |  |  | - |  |  | -
﻿Total |  | 5 |  | $ | 987 |  | $ | -
﻿ |  |  |  |  |  |  |  |
﻿For the year ended |  |  |  |  |  |  |  |
﻿December 31, 2015 |  |  |  |  |  |  |  |
﻿Construction |  | - |  | $ | - |  | $ | -
﻿Residential real estate |  | - |  |  | - |  |  | -
﻿Commercial real estate |  | 2 |  |  | 279 |  |  | -
﻿Commercial |  | - |  |  | - |  |  | -
﻿Consumer |  | - |  |  | - |  |  | -
﻿Total |  | 2 |  | $ | 279 |  | $ | -
﻿
Financing Receivable Credit Quality Indicators | The following tables provide information on loan risk ratings as of December 31, 2016 and 2015. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | Special |  |  |  |  |  |
﻿(Dollars in thousands) |  | Pass/Performing |  | Mention |  | Substandard |  | Doubtful |  | Total
﻿December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 72,641 |  | $ | 4,195 |  | $ | 7,166 |  | $ | - |  | $ | 84,002
﻿Residential real estate |  |  | 312,242 |  |  | 6,646 |  |  | 6,880 |  |  | - |  |  | 325,768
﻿Commercial real estate |  |  | 363,461 |  |  | 10,939 |  |  | 8,281 |  |  | - |  |  | 382,681
﻿Commercial |  |  | 71,313 |  |  | 857 |  |  | 265 |  |  | - |  |  | 72,435
﻿Consumer |  |  | 6,540 |  |  | - |  |  | 99 |  |  | - |  |  | 6,639
﻿Total |  | $ | 826,197 |  | $ | 22,637 |  | $ | 22,691 |  | $ | - |  | $ | 871,525
﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | Special |  |  |  |  |  |
﻿(Dollars in thousands) |  | Pass/Performing |  | Mention |  | Substandard |  | Doubtful |  | Total
﻿December 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 70,214 |  | $ | 3,903 |  | $ | 11,515 |  | $ | - |  | $ | 85,632
﻿Residential real estate |  |  | 290,857 |  |  | 8,837 |  |  | 7,369 |  |  | - |  |  | 307,063
﻿Commercial real estate |  |  | 302,438 |  |  | 18,699 |  |  | 9,116 |  |  | - |  |  | 330,253
﻿Commercial |  |  | 63,628 |  |  | 1,075 |  |  | 208 |  |  | - |  |  | 64,911
﻿Consumer |  |  | 7,107 |  |  | 26 |  |  | 122 |  |  | - |  |  | 7,255
﻿Total |  | $ | 734,244 |  | $ | 32,540 |  | $ | 28,330 |  | $ | - |  | $ | 795,114
﻿
Past Due Financing Receivables | The following tables provide information on the aging of the loan portfolio as of December 31, 2016 and 2015. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  | Accruing |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  | 30-59 days |  | 60-89 days |  | Greater than |  | Total |  |  |  |  |  |  |  |
﻿(Dollars in thousands) |  | Current |  | past due |  | past due |  | 90 days |  | past due |  | Nonaccrual |  | Total
﻿December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 80,079 |  |  | $ | - |  |  | $ | 105 |  |  | $ | - |  |  | $ | 105 |  |  | $ | 3,818 |  |  | $ | 84,002 |
﻿Residential real estate |  |  | 317,992 |  |  |  | 1,778 |  |  |  | 2,095 |  |  |  | - |  |  |  | 3,873 |  |  |  | 3,903 |  |  |  | 325,768 |
﻿Commercial real estate |  |  | 375,552 |  |  |  | 3,219 |  |  |  | 2,758 |  |  |  | - |  |  |  | 5,977 |  |  |  | 1,152 |  |  |  | 382,681 |
﻿Commercial |  |  | 72,272 |  |  |  | 19 |  |  |  | 134 |  |  |  | 10 |  |  |  | 163 |  |  |  | - |  |  |  | 72,435 |
﻿Consumer |  |  | 6,515 |  |  |  | 13 |  |  |  | 2 |  |  |  | 10 |  |  |  | 25 |  |  |  | 99 |  |  |  | 6,639 |
﻿Total |  | $ | 852,410 |  |  | $ | 5,029 |  |  | $ | 5,094 |  |  | $ | 20 |  |  | $ | 10,143 |  |  | $ | 8,972 |  |  | $ | 871,525 |
﻿Percent of total loans |  |  | 97.8 | % |  |  | 0.6 | % |  |  | 0.6 | % |  |  | - | % |  |  | 1.2 | % |  |  | 1.0 | % |  |  | 100.0 | %
﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  | Accruing |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  | 30-59 days |  | 60-89 days |  | Greater than |  | Total |  |  |  |  |  |  |  |
﻿(Dollars in thousands) |  | Current |  | past due |  | past due |  | 90 days |  | past due |  | Nonaccrual |  | Total
﻿December 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 78,082 |  |  | $ | 21 |  |  | $ | - |  |  | $ | - |  |  | $ | 21 |  |  | $ | 7,529 |  |  | $ | 85,632 |
﻿Residential real estate |  |  | 300,563 |  |  |  | 2,139 |  |  |  | 2,102 |  |  |  | - |  |  |  | 4,241 |  |  |  | 2,259 |  |  |  | 307,063 |
﻿Commercial real estate |  |  | 327,370 |  |  |  | - |  |  |  | 861 |  |  |  | - |  |  |  | 861 |  |  |  | 2,022 |  |  |  | 330,253 |
﻿Commercial |  |  | 64,670 |  |  |  | 49 |  |  |  | 31 |  |  |  | - |  |  |  | 80 |  |  |  | 161 |  |  |  | 64,911 |
﻿Consumer |  |  | 7,107 |  |  |  | 13 |  |  |  | 6 |  |  |  | 7 |  |  |  | 26 |  |  |  | 122 |  |  |  | 7,255 |
﻿Total |  | $ | 777,792 |  |  | $ | 2,222 |  |  | $ | 3,000 |  |  | $ | 7 |  |  | $ | 5,229 |  |  | $ | 12,093 |  |  | $ | 795,114 |
﻿Percent of total loans |  |  | 97.8 | % |  |  | 0.3 | % |  |  | 0.4 | % |  |  | - | % |  |  | 0.7 | % |  |  | 1.5 | % |  |  | 100.0 | %
﻿

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