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Loans and Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2017
Loans and Allowance for Credit Losses [Abstract] |
Schedule of Financing Receivables | The following table provides information about the principal classes of the loan portfolio at March 31, 2017 and December 31, 2016. ﻿
﻿ |  |  |  |  |  |
﻿(Dollars in thousands) |  | March 31, 2017 |  | December 31, 2016
﻿Construction |  | $ | 91,498 |  | $ | 84,002
﻿Residential real estate |  |  | 331,191 |  |  | 325,768
﻿Commercial real estate |  |  | 388,391 |  |  | 382,681
﻿Commercial |  |  | 74,189 |  |  | 72,435
﻿Consumer |  |  | 6,595 |  |  | 6,639
﻿Total loans |  |  | 891,864 |  |  | 871,525
﻿Allowance for credit losses |  |  | (8,927) |  |  | (8,726)
﻿Total loans, net |  | $ | 882,937 |  | $ | 862,799
﻿
Allowance for Credit Losses on Financing Receivables | The following tables include impairment information relating to loans and the allowance for credit losses as of March 31, 2017 and December 31, 2016. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |
﻿(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total
﻿March 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Loans individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿evaluated for impairment |  | $ | 7,883 |  | $ | 7,974 |  | $ | 5,555 |  | $ | - |  | $ | 99 |  | $ | - |  | $ | 21,511
﻿Loans collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿evaluated for impairment |  |  | 83,615 |  |  | 323,217 |  |  | 382,836 |  |  | 74,189 |  |  | 6,496 |  |  | - |  |  | 870,353
﻿Total loans |  | $ | 91,498 |  | $ | 331,191 |  | $ | 388,391 |  | $ | 74,189 |  | $ | 6,595 |  | $ | - |  | $ | 891,864
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Allowance for credit |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿losses allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Loans individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿evaluated for impairment |  | $ | 683 |  | $ | 282 |  | $ | 183 |  | $ | - |  | $ | - |  | $ | - |  | $ | 1,148
﻿Loans collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿evaluated for impairment |  |  | 1,607 |  |  | 1,849 |  |  | 2,729 |  |  | 1,338 |  |  | 256 |  |  | - |  |  | 7,779
﻿Total loans |  | $ | 2,290 |  | $ | 2,131 |  | $ | 2,912 |  | $ | 1,338 |  | $ | 256 |  | $ | - |  | $ | 8,927
﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | 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
﻿
Impaired Financing Receivables | The following tables provide information on impaired loans and any related allowance by loan class as of March 31, 2017 and December 31, 2016. 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
﻿March 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Impaired nonaccrual loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 7,527 |  | $ | 76 |  | $ | 3,628 |  | $ | 666 |  | $ | 3,717 |  | $ | -
﻿Residential real estate |  |  | 4,491 |  |  | 2,689 |  |  | 1,581 |  |  | 134 |  |  | 4,010 |  |  | -
﻿Commercial real estate |  |  | 1,213 |  |  | 481 |  |  | 175 |  |  | 99 |  |  | 721 |  |  | -
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  |  | 99 |  |  | 99 |  |  | - |  |  | - |  |  | 99 |  |  | -
﻿Total |  | $ | 13,330 |  | $ | 3,345 |  | $ | 5,384 |  | $ | 899 |  | $ | 8,547 |  | $ | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Impaired accruing TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 4,179 |  | $ | 3,474 |  | $ | 705 |  | $ | 17 |  | $ | 4,182 |  | $ | 30
﻿Residential real estate |  |  | 3,704 |  |  | 2,665 |  |  | 1,039 |  |  | 148 |  |  | 3,762 |  |  | 43
﻿Commercial real estate |  |  | 4,899 |  |  | 1,877 |  |  | 3,022 |  |  | 84 |  |  | 4,908 |  |  | 57
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 12,782 |  | $ | 8,016 |  | $ | 4,766 |  | $ | 249 |  | $ | 12,852 |  | $ | 130
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 11,706 |  | $ | 3,550 |  | $ | 4,333 |  | $ | 683 |  | $ | 7,899 |  | $ | 30
﻿Residential real estate |  |  | 8,195 |  |  | 5,354 |  |  | 2,620 |  |  | 282 |  |  | 7,772 |  |  | 43
﻿Commercial real estate |  |  | 6,112 |  |  | 2,358 |  |  | 3,197 |  |  | 183 |  |  | 5,629 |  |  | 57
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  |  | 99 |  |  | 99 |  |  | - |  |  | - |  |  | 99 |  |  | -
﻿Total |  | $ | 26,112 |  | $ | 11,361 |  | $ | 10,150 |  | $ | 1,148 |  | $ | 21,399 |  | $ | 130
﻿ ﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | Recorded |  |  | Recorded |  |  |  |  | March 31, 2016
﻿ |  | 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 |  | $ | 7,216 |  | $ | -
﻿Residential real estate |  |  | 4,013 |  |  | 1,957 |  |  | 1,946 |  |  | 166 |  |  | 2,292 |  |  | -
﻿Commercial real estate |  |  | 1,801 |  |  | 959 |  |  | 193 |  |  | 117 |  |  | 2,559 |  |  | -
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 158 |  |  | -
﻿Consumer |  |  | 99 |  |  | 99 |  |  | - |  |  | - |  |  | 121 |  |  | -
﻿Total |  | $ | 13,160 |  | $ | 3,015 |  | $ | 5,957 |  | $ | 1,904 |  | $ | 12,346 |  | $ | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Impaired accruing TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 4,189 |  | $ | 3,479 |  | $ | 710 |  | $ | 18 |  | $ | 4,041 |  | $ | 25
﻿Residential real estate |  |  | 3,875 |  |  | 2,829 |  |  | 1,046 |  |  | 151 |  |  | 5,669 |  |  | 55
﻿Commercial real estate |  |  | 4,936 |  |  | 1,573 |  |  | 3,363 |  |  | 68 |  |  | 5,363 |  |  | 46
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 13,000 |  | $ | 7,881 |  | $ | 5,119 |  | $ | 237 |  | $ | 15,073 |  | $ | 126
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 11,436 |  | $ | 3,479 |  | $ | 4,528 |  | $ | 1,639 |  | $ | 11,257 |  | $ | 25
﻿Residential real estate |  |  | 7,888 |  |  | 4,786 |  |  | 2,992 |  |  | 317 |  |  | 7,961 |  |  | 55
﻿Commercial real estate |  |  | 6,737 |  |  | 2,532 |  |  | 3,556 |  |  | 185 |  |  | 7,922 |  |  | 46
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 158 |  |  | -
﻿Consumer |  |  | 99 |  |  | 99 |  |  | - |  |  | - |  |  | 121 |  |  | -
﻿Total |  | $ | 26,160 |  | $ | 10,896 |  | $ | 11,076 |  | $ | 2,141 |  | $ | 27,419 |  | $ | 126
﻿
Troubled Debt Restructurings on Financing Receivables | The following tables provide a roll-forward for troubled debt restructurings as of March 31, 2017 and March 31, 2016. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | 1/1/2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/31/2017 |  |  |
﻿ |  | TDR |  | New |  | Disbursements |  | Charge |  | Reclassifications/ |  |  |  | TDR |  | Related
﻿(Dollars in thousands) |  | Balance |  | TDRs |  | (Payments) |  | offs |  | Transfer In/(Out) |  | Payoffs |  | Balance |  | Allowance
﻿For three months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿March 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Accruing TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 4,189 |  | $ | - |  | $ | (10) |  | $ | - |  | $ | - |  | $ | - |  | $ | 4,179 |  | $ | 17
﻿Residential real estate |  |  | 3,875 |  |  | - |  |  | (82) |  |  | (89) |  |  | - |  |  | - |  |  | 3,704 |  |  | 148
﻿Commercial real estate |  |  | 4,936 |  |  | - |  |  | (37) |  |  | - |  |  | - |  |  | - |  |  | 4,899 |  |  | 84
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 13,000 |  | $ | - |  | $ | (129) |  | $ | (89) |  | $ | - |  | $ | - |  | $ | 12,782 |  | $ | 249
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Nonaccrual TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 3,818 |  | $ | - |  | $ | (190) |  | $ | - |  | $ | - |  | $ | - |  | $ | 3,628 |  | $ | 666
﻿Residential real estate |  |  | 1,603 |  |  | - |  |  | (22) |  |  | - |  |  | - |  |  | - |  |  | 1,581 |  |  | 134
﻿Commercial real estate |  |  | 83 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 83 |  |  | -
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 5,504 |  | $ | - |  | $ | (212) |  | $ | - |  | $ | - |  | $ | - |  | $ | 5,292 |  | $ | 800
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total |  | $ | 18,504 |  | $ | - |  | $ | (341) |  | $ | (89) |  | $ | - |  | $ | - |  | $ | 18,074 |  | $ | 1,049
﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | 1/1/2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/31/2016 |  |  |
﻿ |  | TDR |  | New |  | Disbursements |  | Charge |  | Reclassifications/ |  |  |  | TDR |  | Related
﻿(Dollars in thousands) |  | Balance |  | TDRs |  | (Payments) |  | offs |  | Transfer In/(Out) |  | Payoffs |  | Balance |  | Allowance
﻿For three months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ March 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Accruing TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 4,069 |  | $ | - |  | $ | (77) |  | $ | - |  | $ | - |  | $ | - |  | $ | 3,992 |  | $ | 28
﻿Residential real estate |  |  | 5,686 |  |  | - |  |  | (31) |  |  | - |  |  | - |  |  | - |  |  | 5,655 |  |  | 112
﻿Commercial real estate |  |  | 5,740 |  |  | - |  |  | (517) |  |  | (117) |  |  | - |  |  | - |  |  | 5,106 |  |  | 552
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 15,495 |  | $ | - |  | $ | (625) |  | $ | (117) |  | $ | - |  | $ | - |  | $ | 14,753 |  | $ | 692
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Nonaccrual TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 4,960 |  | $ | 2,570 |  | $ | (691) |  | $ | (241) |  | $ | - |  | $ | - |  | $ | 6,598 |  | $ | 755
﻿Residential real estate |  |  | 445 |  |  | - |  |  | (288) |  |  | - |  |  | - |  |  | - |  |  | 157 |  |  | 11
﻿Commercial real estate |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  |  | 23 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 23 |  |  | -
﻿Total |  | $ | 5,428 |  | $ | 2,570 |  | $ | (979) |  | $ | (241) |  | $ | - |  | $ | - |  | $ | 6,778 |  | $ | 766
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total |  | $ | 20,923 |  | $ | 2,570 |  | $ | (1,604) |  | $ | (358) |  | $ | - |  | $ | - |  | $ | 21,531 |  | $ | 1,458
﻿ ﻿ ﻿ The following tables provide information on loans that were modified and considered TDRs during the three months ended March 31, 2017 and March 31, 2016. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  | Premodification |  | Postmodification |  |  |
﻿ |  |  |  | outstanding |  | outstanding |  |  |
﻿ |  | Number of |  | recorded |  | recorded |  | Related
﻿(Dollars in thousands) |  | contracts |  | investment |  | investment |  | allowance
﻿TDRs: |  |  |  |  |  |  |  |  |  |  |
﻿For three months ended |  |  |  |  |  |  |  |  |  |  |
﻿ March 31, 2017 |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | - |  | $ | - |  | $ | - |  | $ | -
﻿Residential real estate |  | - |  |  | - |  |  | - |  |  | -
﻿Commercial real estate |  | 1 |  |  | 760 |  |  | 755 |  |  | -
﻿Commercial |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | 1 |  | $ | 760 |  | $ | 755 |  | $ | -
﻿ |  |  |  |  |  |  |  |  |  |  |
﻿For three months ended |  |  |  |  |  |  |  |  |  |  |
﻿ March 31, 2016 |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | 1 |  | $ | 2,570 |  | $ | 2,570 |  | $ | -
﻿Residential real estate |  | - |  |  | - |  |  | - |  |  | -
﻿Commercial real estate |  | - |  |  | - |  |  | - |  |  | -
﻿Commercial |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | 1 |  | $ | 2,570 |  | $ | 2,570 |  | $ | -
﻿ During the three months ended March 31, 2017, there was one TDR which was modified. The modification to this TDR consisted of a change in maturity date. ﻿ ﻿ The following tables provide information on TDRs that defaulted during the three months ended March 31, 2017 and March 31, 2016. 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 three months ended |  |  |  |  |  |  |  |
﻿ March 31, 2017 |  |  |  |  |  |  |  |
﻿Construction |  | - |  | $ | - |  | $ | -
﻿Residential real estate |  | 1 |  |  | 89 |  |  | -
﻿Commercial real estate |  | - |  |  | - |  |  | -
﻿Commercial |  | - |  |  | - |  |  | -
﻿Consumer |  | - |  |  | - |  |  | -
﻿Total |  | 1 |  | $ | 89 |  | $ | -
﻿ |  |  |  |  |  |  |  |
﻿For three months ended |  |  |  |  |  |  |  |
﻿ March 31, 2016 |  |  |  |  |  |  |  |
﻿Construction |  | 1 |  | $ | 241 |  | $ | -
﻿Residential real estate |  | - |  |  | - |  |  | -
﻿Commercial real estate |  | 1 |  |  | 117 |  |  | -
﻿Commercial |  | - |  |  | - |  |  | -
﻿Consumer |  | - |  |  | - |  |  | -
﻿Total |  | 2 |  | $ | 358 |  | $ | -
﻿
Financing Receivable Credit Quality Indicators | The following tables provide information on loan risk ratings as of March 31, 2017 and December 31, 2016. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | Special |  |  |  |  |  |
﻿(Dollars in thousands) |  | Pass/Performing |  | Mention |  | Substandard |  | Doubtful |  | Total
﻿ March 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 80,284 |  | $ | 4,164 |  | $ | 7,050 |  | $ | - |  | $ | 91,498
﻿Residential real estate |  |  | 317,461 |  |  | 6,496 |  |  | 7,234 |  |  | - |  |  | 331,191
﻿Commercial real estate |  |  | 364,732 |  |  | 15,925 |  |  | 7,734 |  |  | - |  |  | 388,391
﻿Commercial |  |  | 73,304 |  |  | 814 |  |  | 71 |  |  | - |  |  | 74,189
﻿Consumer |  |  | 6,496 |  |  | - |  |  | 99 |  |  | - |  |  | 6,595
﻿Total |  | $ | 842,277 |  | $ | 27,399 |  | $ | 22,188 |  | $ | - |  | $ | 891,864
﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | 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
﻿
Past Due Financing Receivables | The following tables provide information on the aging of the loan portfolio as of March 31, 2017 and December 31, 2016. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  | Accruing |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  | 30-59 days |  | 60-89 days |  | Greater than |  | Total |  |  |  |  |  |  |  |
﻿(Dollars in thousands) |  | Current |  | past due |  | past due |  | 90 days |  | past due |  | Nonaccrual |  | Total
﻿ March 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 87,683 |  |  | $ | 111 |  |  | $ | - |  |  | $ | - |  |  | $ | 111 |  |  | $ | 3,704 |  |  | $ | 91,498 |
﻿Residential real estate |  |  | 324,573 |  |  |  | 1,062 |  |  |  | 1,286 |  |  |  | - |  |  |  | 2,348 |  |  |  | 4,270 |  |  |  | 331,191 |
﻿Commercial real estate |  |  | 385,788 |  |  |  | 1,449 |  |  |  | 390 |  |  |  | 108 |  |  |  | 1,947 |  |  |  | 656 |  |  |  | 388,391 |
﻿Commercial |  |  | 74,088 |  |  |  | 89 |  |  |  | 12 |  |  |  | - |  |  |  | 101 |  |  |  | - |  |  |  | 74,189 |
﻿Consumer |  |  | 6,465 |  |  |  | 13 |  |  |  | 8 |  |  |  | 10 |  |  |  | 31 |  |  |  | 99 |  |  |  | 6,595 |
﻿Total |  | $ | 878,597 |  |  | $ | 2,724 |  |  | $ | 1,696 |  |  | $ | 118 |  |  | $ | 4,538 |  |  | $ | 8,729 |  |  | $ | 891,864 |
﻿Percent of total loans |  |  | 98.5 | % |  |  | 0.3 | % |  |  | 0.2 | % |  |  | - | % |  |  | 0.5 | % |  |  | 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, 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 | %
﻿
Consolidated Allowance for Credit Losses on Financing Receivables | ﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |
﻿(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total
﻿For three months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ March 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Beginning Balance |  | $ | 2,787 |  | $ | 1,953 |  | $ | 2,610 |  | $ | 1,145 |  | $ | 231 |  | $ | - |  | $ | 8,726
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Charge-offs |  |  | (29) |  |  | (223) |  |  | - |  |  | (65) |  |  | - |  |  | - |  |  | (317)
﻿Recoveries |  |  | 7 |  |  | 11 |  |  | 11 |  |  | 58 |  |  | 4 |  |  | - |  |  | 91
﻿Net charge-offs |  |  | (22) |  |  | (212) |  |  | 11 |  |  | (7) |  |  | 4 |  |  | - |  |  | (226)
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Provision |  |  | (475) |  |  | 390 |  |  | 291 |  |  | 200 |  |  | 21 |  |  | - |  |  | 427
﻿Ending Balance |  | $ | 2,290 |  | $ | 2,131 |  | $ | 2,912 |  | $ | 1,338 |  | $ | 256 |  | $ | - |  | $ | 8,927
﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |
﻿(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total
﻿For three months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ March 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Beginning Balance |  | $ | 1,646 |  | $ | 2,181 |  | $ | 2,999 |  | $ | 558 |  | $ | 156 |  | $ | 776 |  | $ | 8,316
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Charge-offs |  |  | (241) |  |  | (16) |  |  | (238) |  |  | (67) |  |  | (8) |  |  | - |  |  | (570)
﻿Recoveries |  |  | 6 |  |  | 34 |  |  | - |  |  | 65 |  |  | 8 |  |  | - |  |  | 113
﻿Net charge-offs |  |  | (235) |  |  | 18 |  |  | (238) |  |  | (2) |  |  | - |  |  | - |  |  | (457)
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Provision |  |  | 342 |  |  | (185) |  |  | 496 |  |  | 29 |  |  | 21 |  |  | (253) |  |  | 450
﻿Ending Balance |  | $ | 1,753 |  | $ | 2,014 |  | $ | 3,257 |  | $ | 585 |  | $ | 177 |  | $ | 523 |  | $ | 8,309
﻿

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