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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Table) | 12 Months Ended
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Dec. 31, 2017
Receivables [Abstract] |
Schedule of Financing Receivables | The following table provides information about the principal classes of the loan portfolio at December 31, 201 7 and 201 6. ﻿
﻿ |  |  |  |  |  |
﻿(Dollars in thousands) |  | 2017 |  | 2016
﻿Construction |  | $ | 125,746 |  | $ | 84,002
﻿Residential real estate |  |  | 399,190 |  |  | 325,768
﻿Commercial real estate |  |  | 464,887 |  |  | 382,681
﻿Commercial |  |  | 97,284 |  |  | 72,435
﻿Consumer |  |  | 6,407 |  |  | 6,639
﻿Total loans |  |  | 1,093,514 |  |  | 871,525
﻿Allowance for credit losses |  |  | (9,781) |  |  | (8,726)
﻿Total loans, net |  | $ | 1,083,733 |  | $ | 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 December 31, 2017 and 2016.
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | Residential |  | Commercial |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Total
December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 6,975 |  | $ | 6,018 |  | $ | 4,967 |  | $ | 337 |  | $ | - |  | $ | 18,297
Loans collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  |  | 118,771 |  |  | 393,172 |  |  | 459,920 |  |  | 96,947 |  |  | 6,407 |  |  | 1,075,217
Total loans |  | $ | 125,746 |  | $ | 399,190 |  | $ | 464,887 |  | $ | 97,284 |  | $ | 6,407 |  | $ | 1,093,514
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
losses allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 500 |  | $ | 239 |  | $ | 33 |  | $ | 33 |  | $ | - |  | $ | 805
Loans collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  |  | 1,960 |  |  | 2,045 |  |  | 2,561 |  |  | 2,208 |  |  | 202 |  |  | 8,976
Total loans |  | $ | 2,460 |  | $ | 2,284 |  | $ | 2,594 |  | $ | 2,241 |  | $ | 202 |  | $ | 9,781
﻿ ﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | Residential |  | Commercial |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | 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
﻿ The following tables provide a summary of the activity in the allowance for credit losses allocated by loan class for 2017 and 2016. 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
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 2,787 |  | $ | 1,953 |  | $ | 2,610 |  | $ | 1,145 |  | $ | 231 |  | $ | - |  | $ | 8,726
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Charge-offs |  |  | (54) |  |  | (445) |  |  | (100) |  |  | (946) |  |  | (32) |  |  | - |  |  | (1,577)
Recoveries |  |  | 30 |  |  | 40 |  |  | 31 |  |  | 215 |  |  | 25 |  |  | - |  |  | 341
Net charge-offs |  |  | (24) |  |  | (405) |  |  | (69) |  |  | (731) |  |  | (7) |  |  | - |  |  | (1,236)
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision |  |  | (303) |  |  | 736 |  |  | 53 |  |  | 1,827 |  |  | (22) |  |  | - |  |  | 2,291
Ending Balance |  | $ | 2,460 |  | $ | 2,284 |  | $ | 2,594 |  | $ | 2,241 |  | $ | 202 |  | $ | - |  | $ | 9,781
﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | 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
﻿ ﻿
Effect on the Loan Loss Provision as Result of change in Methodology | The following table represents the effect on the loan loss provision as a result of these changes in methodology. It compares the methodology actually used for the year ended December 31, 2017to that used in prior periods. ﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |
﻿ |  | Calculated Provision |  | Calculated Provision |  |  |
﻿ |  | Based on Current |  | Based on Prior |  |  |
﻿(Dollars in thousands) |  | Methodology |  | Methodology |  | Difference
﻿Construction |  | $ | (303) |  | $ | (653) |  | $ | 350
﻿Residential real estate |  |  | 736 |  |  | 753 |  |  | (17)
﻿Commercial real estate |  |  | 53 |  |  | (439) |  |  | 492
﻿Commercial |  |  | 1,827 |  |  | 1,217 |  |  | 610
﻿Consumer |  |  | (22) |  |  | (9) |  |  | (13)
﻿Total |  | $ | 2,291 |  | $ | 869 |  | $ | 1,422
﻿
Impaired Financing Receivables | The following tables provide information on impaired loans and any related allowance by loan class as of December 31, 201 7 and 201 6. 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, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Impaired nonaccrual loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 3,100 |  | $ | 182 |  | $ | 2,821 |  | $ | 459 |  | $ | 3,181 |  | $ | -
﻿Residential real estate |  |  | 1,620 |  |  | 1,482 |  |  | - |  |  | - |  |  | 3,191 |  |  | -
﻿Commercial real estate |  |  | 795 |  |  | 149 |  |  | - |  |  | - |  |  | 542 |  |  | -
﻿Commercial |  |  | 425 |  |  | - |  |  | 337 |  |  | 33 |  |  | 200 |  |  | -
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 41 |  |  | -
﻿Total |  | $ | 5,940 |  | $ | 1,813 |  | $ | 3,158 |  | $ | 492 |  | $ | 7,155 |  | $ | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Impaired accruing TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 3,972 |  | $ | 3,038 |  | $ | 934 |  | $ | 41 |  | $ | 4,067 |  | $ | 101
﻿Residential real estate |  |  | 4,536 |  |  | 2,042 |  |  | 2,494 |  |  | 239 |  |  | 3,831 |  |  | 161
﻿Commercial real estate |  |  | 4,818 |  |  | 4,084 |  |  | 734 |  |  | 33 |  |  | 4,860 |  |  | 185
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 13,326 |  | $ | 9,164 |  | $ | 4,162 |  | $ | 313 |  | $ | 12,758 |  | $ | 447
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 7,072 |  | $ | 3,220 |  | $ | 3,755 |  | $ | 500 |  | $ | 7,248 |  | $ | 101
﻿Residential real estate |  |  | 6,156 |  |  | 3,524 |  |  | 2,494 |  |  | 239 |  |  | 7,022 |  |  | 161
﻿Commercial real estate |  |  | 5,613 |  |  | 4,233 |  |  | 734 |  |  | 33 |  |  | 5,402 |  |  | 185
﻿Commercial |  |  | 425 |  |  | - |  |  | 337 |  |  | 33 |  |  | 200 |  |  | -
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 41 |  |  | -
﻿Total |  | $ | 19,266 |  | $ | 10,977 |  | $ | 7,320 |  | $ | 805 |  | $ | 19,913 |  | $ | 447
﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | 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
﻿
Troubled Debt Restructurings on Financing Receivables | The following tables provide a roll-forward for troubled debt restructurings as of December 31, 201 7 and December 31, 201 6. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | 1/1/2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/31/2017 |  |  |
﻿ |  | 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, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Accruing TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 4,189 |  | $ | - |  | $ | (25) |  | $ | - |  | $ | (58) |  | $ | (134) |  | $ | 3,972 |  | $ | 41
﻿Residential real estate |  |  | 3,875 |  |  | - |  |  | (333) |  |  | (89) |  |  | 1,535 |  |  | (452) |  |  | 4,536 |  |  | 239
﻿Commercial real estate |  |  | 4,936 |  |  | - |  |  | (118) |  |  | - |  |  | - |  |  | - |  |  | 4,818 |  |  | 33
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 13,000 |  | $ | - |  | $ | (476) |  | $ | (89) |  | $ | 1,477 |  | $ | (586) |  | $ | 13,326 |  | $ | 313
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Nonaccrual TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 3,818 |  | $ | - |  | $ | (890) |  | $ | - |  | $ | (50) |  | $ | - |  | $ | 2,878 |  | $ | 459
﻿Residential real estate |  |  | 1,603 |  |  | - |  |  | (68) |  |  | - |  |  | (1,535) |  |  | - |  |  | - |  |  | -
﻿Commercial real estate |  |  | 83 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 83 |  |  | -
﻿Commercial |  |  | - |  |  | 345 |  |  | (8) |  |  | - |  |  | - |  |  | - |  |  | 337 |  |  | 33
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 5,504 |  | $ | 345 |  | $ | (966) |  | $ | - |  | $ | (1,585) |  | $ | - |  | $ | 3,298 |  | $ | 492
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total |  | $ | 18,504 |  | $ | 345 |  | $ | (1,442) |  | $ | (89) |  | $ | (108) |  | $ | (586) |  | $ | 16,624 |  | $ | 805
﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | 1/1/2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/31/16 |  |  |
﻿ |  | 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
The following tables provide information on loans that were modified and considered TDRs during 201 7 and 201 6. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  | Premodification |  | Postmodification |  |  |
﻿ |  |  |  | outstanding |  | outstanding |  |  |
﻿ |  | Number of |  | recorded |  | recorded |  | Related
﻿(Dollars in thousands) |  | contracts |  | investment |  | investment |  | allowance
﻿TDRs: |  |  |  |  |  |  |  |  |  |  |
﻿For the year ended |  |  |  |  |  |  |  |  |  |  |
﻿December 31, 2017 |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | - |  | $ | - |  | $ | - |  | $ | -
﻿Residential real estate |  | - |  |  | - |  |  | - |  |  | -
﻿Commercial real estate |  | 1 |  |  | 760 |  |  | 755 |  |  | -
﻿Commercial |  | 1 |  |  | 462 |  |  | 345 |  |  | -
﻿Consumer |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | 2 |  | $ | 1,222 |  | $ | 1,100 |  | $ | -
﻿ |  |  |  |  |  |  |  |  |  |  |
﻿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 |  | $ | -
﻿
Troubled Debt Restructurings That Defaulted On Financing Receivables | During the year ended December 31, 2017, there was one new TDR and one previously recorded TDR which was modified. The new TDR consisted of a reduction in principal, whereas, the previously recorded TDR consisted of a change in maturity date. ﻿ The following tables provide information on TDRs that defaulted during 201 7 and 201 6. Generally, a loan is considered in default when principal or interest is past due 90 days or more, the loan is placed on nonaccrual, charged-off, or foreclosure proceedings have commenced. ﻿
﻿ |  |  |  |  |  |  |  |
﻿ |  | Number of |  | Recorded |  | Related
﻿(Dollars in thousands) |  | contracts |  | investment |  | allowance
﻿TDRs that subsequently defaulted: |  |  |  |  |  |  |  |
﻿For the year ended |  |  |  |  |  |  |  |
﻿December 31, 2017 |  |  |  |  |  |  |  |
﻿Construction |  | - |  | $ | - |  | $ | -
﻿Residential real estate |  | 1 |  |  | 89 |  |  | -
﻿Commercial real estate |  | - |  |  | - |  |  | -
﻿Commercial |  | - |  |  | - |  |  | -
﻿Consumer |  | - |  |  | - |  |  | -
﻿Total |  | 1 |  | $ | 89 |  | $ | -
﻿ |  |  |  |  |  |  |  |
﻿For the year ended |  |  |  |  |  |  |  |
﻿December 31, 2016 |  |  |  |  |  |  |  |
﻿Construction |  | 2 |  | $ | 590 |  | $ | -
﻿Residential real estate |  | 1 |  |  | 23 |  |  | -
﻿Commercial real estate |  | 2 |  |  | 375 |  |  | -
﻿Commercial |  | - |  |  | - |  |  | -
﻿Consumer |  | - |  |  | - |  |  | -
﻿Total |  | 5 |  | $ | 988 |  | $ | -
﻿
Financing Receivable Credit Quality Indicators | The following tables provide information on loan risk ratings as of December 31, 201 7 and 201 6. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  | Special |  |  |  |  |  |
﻿(Dollars in thousands) |  | Pass/Performing |  | Pass/Watch |  | Mention |  | Substandard |  | Doubtful |  | Total
﻿December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 88,836 |  | $ | 30,674 |  | $ | - |  | $ | 6,236 |  | $ | - |  | $ | 125,746
﻿Residential real estate |  |  | 355,575 |  |  | 34,973 |  |  | 4,456 |  |  | 4,186 |  |  | - |  |  | 399,190
﻿Commercial real estate |  |  | 342,051 |  |  | 109,041 |  |  | 7,420 |  |  | 6,375 |  |  | - |  |  | 464,887
﻿Commercial |  |  | 72,440 |  |  | 24,102 |  |  | 308 |  |  | 434 |  |  | - |  |  | 97,284
﻿Consumer |  |  | 5,260 |  |  | 1,147 |  |  | - |  |  | - |  |  | - |  |  | 6,407
﻿Total |  | $ | 864,162 |  | $ | 199,937 |  | $ | 12,184 |  | $ | 17,231 |  | $ | - |  | $ | 1,093,514
﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  | Special |  |  |  |  |  |
﻿(Dollars in thousands) |  | Pass/Performing |  | Pass/Watch |  | Mention |  | Substandard |  | Doubtful |  | Total
﻿December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 45,126 |  | $ | 27,515 |  | $ | 4,195 |  | $ | 7,166 |  | $ | - |  | $ | 84,002
﻿Residential real estate |  |  | 280,215 |  |  | 32,027 |  |  | 6,646 |  |  | 6,880 |  |  | - |  |  | 325,768
﻿Commercial real estate |  |  | 260,935 |  |  | 102,526 |  |  | 10,939 |  |  | 8,281 |  |  | - |  |  | 382,681
﻿Commercial |  |  | 49,697 |  |  | 21,616 |  |  | 857 |  |  | 265 |  |  | - |  |  | 72,435
﻿Consumer |  |  | 6,406 |  |  | 134 |  |  | - |  |  | 99 |  |  | - |  |  | 6,639
﻿Total |  | $ | 642,379 |  | $ | 183,818 |  | $ | 22,637 |  | $ | 22,691 |  | $ | - |  | $ | 871,525
﻿
Past Due Financing Receivables | The following tables provide information on the aging of the loan portfolio as of December 31, 201 7 and 201 6. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  | 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, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 122,475 |  |  | $ | 268 |  |  | $ | - |  |  | $ | - |  |  | $ | 268 |  |  | $ | 3,003 |  |  | $ | 125,746 |
﻿Residential real estate |  |  | 394,653 |  |  |  | 1,589 |  |  |  | 1,045 |  |  |  | 421 |  |  |  | 3,055 |  |  |  | 1,482 |  |  |  | 399,190 |
﻿Commercial real estate |  |  | 460,998 |  |  |  | 1,061 |  |  |  | 2,461 |  |  |  | 218 |  |  |  | 3,740 |  |  |  | 149 |  |  |  | 464,887 |
﻿Commercial |  |  | 96,774 |  |  |  | 173 |  |  |  | - |  |  |  | - |  |  |  | 173 |  |  |  | 337 |  |  |  | 97,284 |
﻿Consumer |  |  | 6,395 |  |  |  | 6 |  |  |  | 6 |  |  |  | - |  |  |  | 12 |  |  |  | - |  |  |  | 6,407 |
﻿Total |  | $ | 1,081,295 |  |  | $ | 3,097 |  |  | $ | 3,512 |  |  | $ | 639 |  |  | $ | 7,248 |  |  | $ | 4,971 |  |  | $ | 1,093,514 |
﻿Percent of total loans |  |  | 98.8 | % |  |  | 0.3 | % |  |  | 0.3 | % |  |  | 0.1 | % |  |  | 0.7 | % |  |  | 0.5 | % |  |  | 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 | %
﻿

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