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Loans and Allowance for Credit Losses (Tables) | 6 Months Ended
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Jun. 30, 2018
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 June 30, 2018 and December 31, 2017. ﻿
﻿ |  |  |  |  |  |
﻿(Dollars in thousands) |  | June 30, 2018 |  | December 31, 2017
﻿Construction |  | $ | 137,318 |  | $ | 125,746
﻿Residential real estate |  |  | 407,278 |  |  | 399,190
﻿Commercial real estate |  |  | 497,707 |  |  | 464,887
﻿Commercial |  |  | 108,229 |  |  | 97,284
﻿Consumer |  |  | 6,352 |  |  | 6,407
﻿Total loans |  |  | 1,156,884 |  |  | 1,093,514
﻿Allowance for credit losses |  |  | (10,121) |  |  | (9,781)
﻿Total loans, net |  | $ | 1,146,763 |  | $ | 1,083,733
﻿
Allowance for Credit Losses on Financing Receivables | The following tables include impairment information relating to loans and the allowance for credit losses as of June 30, 2018 and December 31, 2017. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | Residential |  | Commercial |  |  |  |  |  |
﻿(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Total
﻿June 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Loans individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿evaluated for impairment |  | $ | 3,969 |  | $ | 5,692 |  | $ | 6,383 |  | $ | 333 |  | $ | - |  | $ | 16,377
﻿Loans collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿evaluated for impairment |  |  | 133,349 |  |  | 401,586 |  |  | 491,324 |  |  | 107,896 |  |  | 6,352 |  |  | 1,140,507
﻿Total loans |  | $ | 137,318 |  | $ | 407,278 |  | $ | 497,707 |  | $ | 108,229 |  | $ | 6,352 |  | $ | 1,156,884
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Allowance for credit |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿losses allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Loans individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿evaluated for impairment |  | $ | 443 |  | $ | 201 |  | $ | 38 |  | $ | 29 |  | $ | - |  | $ | 711
﻿Loans collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿evaluated for impairment |  |  | 2,150 |  |  | 1,949 |  |  | 2,807 |  |  | 2,181 |  |  | 323 |  |  | 9,410
﻿Total allowance |  | $ | 2,593 |  | $ | 2,150 |  | $ | 2,845 |  | $ | 2,210 |  | $ | 323 |  | $ | 10,121
﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | 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 allowance |  | $ | 2,460 |  | $ | 2,284 |  | $ | 2,594 |  | $ | 2,241 |  | $ | 202 |  | $ | 9,781
﻿
Impaired Financing Receivables | The following tables provide information on impaired loans and any related allowance by loan class as of June 30, 2018 and December 31, 2017. 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-date |  | Year-to-date
﻿ |  | Unpaid |  |  | investment |  |  | investment |  |  |  | average |  | average
﻿ |  | principal |  |  | with no |  |  | with an |  | Related |  | recorded |  | recorded
﻿(Dollars in thousands) |  | balance |  |  | allowance |  |  | allowance |  | allowance |  | investment |  | investment
﻿ June 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Impaired nonaccrual loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 3,093 |  | $ | 201 |  | $ | 2,781 |  | $ | 392 |  | $ | 2,982 |  | $ | 2,987
﻿Residential real estate |  |  | 1,838 |  |  | 1,589 |  |  | - |  |  | - |  |  | 1,590 |  |  | 1,504
﻿Commercial real estate |  |  | 2,500 |  |  | 1,853 |  |  | - |  |  | - |  |  | 1,853 |  |  | 1,286
﻿Commercial |  |  | 425 |  |  | - |  |  | 333 |  |  | 29 |  |  | 332 |  |  | 344
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 7,856 |  | $ | 3,643 |  | $ | 3,114 |  | $ | 421 |  | $ | 6,757 |  | $ | 6,121
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Impaired accruing TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 987 |  | $ | 55 |  | $ | 932 |  | $ | 51 |  | $ | 291 |  | $ | 1,634
﻿Residential real estate |  |  | 4,103 |  |  | 1,710 |  |  | 2,393 |  |  | 201 |  |  | 4,839 |  |  | 4,565
﻿Commercial real estate |  |  | 4,530 |  |  | 1,604 |  |  | 2,926 |  |  | 38 |  |  | 4,541 |  |  | 4,596
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 9,620 |  | $ | 3,369 |  | $ | 6,251 |  | $ | 290 |  | $ | 9,671 |  | $ | 10,795
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 4,080 |  | $ | 256 |  | $ | 3,713 |  | $ | 443 |  | $ | 3,273 |  | $ | 4,621
﻿Residential real estate |  |  | 5,941 |  |  | 3,299 |  |  | 2,393 |  |  | 201 |  |  | 6,429 |  |  | 6,069
﻿Commercial real estate |  |  | 7,030 |  |  | 3,457 |  |  | 2,926 |  |  | 38 |  |  | 6,394 |  |  | 5,882
﻿Commercial |  |  | 425 |  |  | - |  |  | 333 |  |  | 29 |  |  | 332 |  |  | 344
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 17,476 |  | $ | 7,012 |  | $ | 9,365 |  | $ | 711 |  | $ | 16,428 |  | $ | 16,916
﻿ ﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  | June 30, 2017
﻿ |  |  |  |  | Recorded |  |  | Recorded |  |  |  |  |  | Quarter-to-date |  | Year-to-date
﻿ |  | Unpaid |  |  | investment |  |  | investment |  |  |  | average |  | average
﻿ |  | principal |  |  | with no |  |  | with an |  | Related |  | recorded |  | recorded
﻿(Dollars in thousands) |  | balance |  |  | allowance |  |  | allowance |  | allowance |  | investment |  | investment
﻿December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Impaired nonaccrual loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 3,100 |  | $ | 182 |  | $ | 2,821 |  | $ | 459 |  | $ | 3,153 |  | $ | 3,435
﻿Residential real estate |  |  | 1,620 |  |  | 1,482 |  |  | - |  |  | - |  |  | 3,870 |  |  | 3,940
﻿Commercial real estate |  |  | 795 |  |  | 149 |  |  | - |  |  | - |  |  | 670 |  |  | 696
﻿Commercial |  |  | 425 |  |  | - |  |  | 337 |  |  | 33 |  |  | 115 |  |  | 57
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 66 |  |  | 82
﻿Total |  | $ | 5,940 |  | $ | 1,813 |  | $ | 3,158 |  | $ | 492 |  | $ | 7,874 |  | $ | 8,210
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Impaired accruing TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 3,972 |  | $ | 3,038 |  | $ | 934 |  | $ | 41 |  | $ | 4,040 |  | $ | 4,111
﻿Residential real estate |  |  | 4,536 |  |  | 2,042 |  |  | 2,494 |  |  | 239 |  |  | 3,409 |  |  | 3,585
﻿Commercial real estate |  |  | 4,818 |  |  | 4,084 |  |  | 734 |  |  | 33 |  |  | 4,869 |  |  | 4,888
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 13,326 |  | $ | 9,164 |  | $ | 4,162 |  | $ | 313 |  | $ | 12,318 |  | $ | 12,584
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 7,072 |  | $ | 3,220 |  | $ | 3,755 |  | $ | 500 |  | $ | 7,193 |  | $ | 7,546
﻿Residential real estate |  |  | 6,156 |  |  | 3,524 |  |  | 2,494 |  |  | 239 |  |  | 7,279 |  |  | 7,525
﻿Commercial real estate |  |  | 5,613 |  |  | 4,233 |  |  | 734 |  |  | 33 |  |  | 5,539 |  |  | 5,584
﻿Commercial |  |  | 425 |  |  | - |  |  | 337 |  |  | 33 |  |  | 115 |  |  | 57
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 66 |  |  | 82
﻿Total |  | $ | 19,266 |  | $ | 10,977 |  | $ | 7,320 |  | $ | 805 |  | $ | 20,192 |  | $ | 20,794
﻿
Troubled Debt Restructurings on Financing Receivables | The following tables provide a roll-forward for troubled debt restructurings as of June 30, 2018 and June 30, 2017. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | 1/1/2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/30/2018 |  |  |
﻿ |  | TDR |  | New |  | Disbursements |  | Charge |  | Reclassifications/ |  |  |  | TDR |  | Related
﻿(Dollars in thousands) |  | Balance |  | TDRs |  | (Payments) |  | offs |  | Transfer In/(Out) |  | Payoffs |  | Balance |  | Allowance
﻿For six months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿June 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Accruing TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 3,972 |  | $ | - |  | $ | (6) |  | $ | (379) |  | $ | - |  | $ | (2,600) |  | $ | 987 |  | $ | -
﻿Residential real estate |  |  | 4,536 |  |  | - |  |  | (42) |  |  | - |  |  | (154) |  |  | (237) |  |  | 4,103 |  |  | -
﻿Commercial real estate |  |  | 4,818 |  |  | - |  |  | (69) |  |  | - |  |  | - |  |  | (219) |  |  | 4,530 |  |  | -
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 13,326 |  | $ | - |  | $ | (117) |  | $ | (379) |  | $ | (154) |  | $ | (3,056) |  | $ | 9,620 |  | $ | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Nonaccrual TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 2,878 |  | $ | - |  | $ | (40) |  | $ | - |  | $ | - |  | $ | - |  | $ | 2,838 |  | $ | 392
﻿Residential real estate |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 154 |  |  | - |  |  | 154 |  |  | -
﻿Commercial real estate |  |  | 83 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 83 |  |  | -
﻿Commercial |  |  | 337 |  |  | - |  |  | (4) |  |  | - |  |  | - |  |  | - |  |  | 333 |  |  | 29
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 3,298 |  | $ | - |  | $ | (44) |  | $ | - |  | $ | 154 |  | $ | - |  | $ | 3,408 |  | $ | 421
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total |  | $ | 16,624 |  | $ | - |  | $ | (161) |  | $ | (379) |  | $ | - |  | $ | (3,056) |  | $ | 13,028 |  | $ | 421
﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | 1/1/2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/30/2017 |  |  |
﻿ |  | TDR |  | New |  | Disbursements |  | Charge |  | Reclassifications/ |  |  |  | TDR |  | Related
﻿(Dollars in thousands) |  | Balance |  | TDRs |  | (Payments) |  | offs |  | Transfer In/(Out) |  | Payoffs |  | Balance |  | Allowance
﻿For six months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ June 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Accruing TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 4,189 |  | $ | - |  | $ | (18) |  | $ | - |  | $ | - |  | $ | (134) |  | $ | 4,037 |  | $ | 13
﻿Residential real estate |  |  | 3,875 |  |  | - |  |  | (102) |  |  | (89) |  |  | - |  |  | (450) |  |  | 3,234 |  |  | 145
﻿Commercial real estate |  |  | 4,936 |  |  | - |  |  | (83) |  |  | - |  |  | - |  |  | - |  |  | 4,853 |  |  | 75
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 13,000 |  | $ | - |  | $ | (203) |  | $ | (89) |  | $ | - |  | $ | (584) |  | $ | 12,124 |  | $ | 233
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Nonaccrual TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 3,818 |  | $ | - |  | $ | (872) |  | $ | - |  | $ | (108) |  | $ | - |  | $ | 2,838 |  | $ | 580
﻿Residential real estate |  |  | 1,603 |  |  | - |  |  | (44) |  |  | - |  |  | - |  |  | - |  |  | 1,559 |  |  | 110
﻿Commercial real estate |  |  | 83 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 83 |  |  | -
﻿Commercial |  |  | - |  |  | 345 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 345 |  |  | -
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 5,504 |  | $ | 345 |  | $ | (916) |  | $ | - |  | $ | (108) |  | $ | - |  | $ | 4,825 |  | $ | 690
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total |  | $ | 18,504 |  | $ | 345 |  | $ | (1,119) |  | $ | (89) |  | $ | (108) |  | $ | (584) |  | $ | 16,949 |  | $ | 923
﻿ ﻿ ﻿ The following tables provide information on loans that were modified and considered TDRs during the six months ended June 30, 2018 and June 30, 2017. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  | Premodification |  | Postmodification |  |  |
﻿ |  |  |  | outstanding |  | outstanding |  |  |
﻿ |  | Number of |  | recorded |  | recorded |  | Related
﻿(Dollars in thousands) |  | contracts |  | investment |  | investment |  | allowance
﻿TDRs: |  |  |  |  |  |  |  |  |  |  |
﻿For six months ended |  |  |  |  |  |  |  |  |  |  |
﻿ June 30, 2018 |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | - |  | $ | - |  | $ | - |  | $ | -
﻿Residential real estate |  | - |  |  | - |  |  | - |  |  | -
﻿Commercial real estate |  | - |  |  | - |  |  | - |  |  | -
﻿Commercial |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | - |  | $ | - |  | $ | - |  | $ | -
﻿ |  |  |  |  |  |  |  |  |  |  |
﻿For six months ended |  |  |  |  |  |  |  |  |  |  |
﻿ June 30, 2017 |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | - |  | $ | - |  | $ | - |  | $ | -
﻿Residential real estate |  | - |  |  | - |  |  | - |  |  | -
﻿Commercial real estate |  | 1 |  |  | 760 |  |  | 755 |  |  | -
﻿Commercial |  | 1 |  |  | 462 |  |  | 345 |  |  | -
﻿Consumer |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | 2 |  | $ | 1,222 |  | $ | 1,100 |  | $ | -
﻿ During the six months ended June 30, 2018, there were no new TDR’s or previously recorded TDR’s which were modified. ﻿ ﻿ The following tables provide information on TDRs that defaulted within twelve months of restructuring during the six months ended June 30, 2018 and June 30, 2017. Generally, a loan is considered in default when principal or interest is past due 90 days or more, the loan is placed on nonaccrual, the loan is charged off, or there is a transfer to OREO or repossessed assets. ﻿
﻿ |  |  |  |  |  |  |  |
﻿ |  | Number of |  | Recorded |  | Related
﻿(Dollars in thousands) |  | contracts |  | investment |  | allowance
﻿TDRs that subsequently defaulted: |  |  |  |  |  |  |  |
﻿For six months ended |  |  |  |  |  |  |  |
﻿ June 30, 2018 |  |  |  |  |  |  |  |
﻿Construction |  | 1 |  | $ | 379 |  | $ | -
﻿Residential real estate |  | 1 |  |  | 154 |  |  | -
﻿Commercial real estate |  | - |  |  | - |  |  | -
﻿Commercial |  | - |  |  | - |  |  | -
﻿Consumer |  | - |  |  | - |  |  | -
﻿Total |  | 2 |  | $ | 533 |  | $ | -
﻿ |  |  |  |  |  |  |  |
﻿For six months ended |  |  |  |  |  |  |  |
﻿ June 30, 2017 |  |  |  |  |  |  |  |
﻿Construction |  | - |  | $ | - |  | $ | -
﻿Residential real estate |  | 1 |  |  | 89 |  |  | -
﻿Commercial real estate |  | - |  |  | - |  |  | -
﻿Commercial |  | - |  |  | - |  |  | -
﻿Consumer |  | - |  |  | - |  |  | -
﻿Total |  | 1 |  | $ | 89 |  | $ | -
Financing Receivable Credit Quality Indicators | The following tables provide information on loan risk ratings as of June 30, 2018 and December 31, 2017. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  | Special |  |  |  |  |  |
﻿(Dollars in thousands) |  | Pass/Performing |  | Pass/Watch |  | Mention |  | Substandard |  | Doubtful |  | Total
﻿ June 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 102,435 |  | $ | 31,647 |  | $ | - |  | $ | 3,236 |  | $ | - |  | $ | 137,318
﻿Residential real estate |  |  | 363,423 |  |  | 35,838 |  |  | 3,934 |  |  | 4,083 |  |  | - |  |  | 407,278
﻿Commercial real estate |  |  | 377,521 |  |  | 106,739 |  |  | 5,474 |  |  | 7,973 |  |  | - |  |  | 497,707
﻿Commercial |  |  | 83,047 |  |  | 24,159 |  |  | 648 |  |  | 375 |  |  | - |  |  | 108,229
﻿Consumer |  |  | 5,794 |  |  | 555 |  |  | - |  |  | 3 |  |  | - |  |  | 6,352
﻿Total |  | $ | 932,220 |  | $ | 198,938 |  | $ | 10,056 |  | $ | 15,670 |  | $ | - |  | $ | 1,156,884
﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  | 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
﻿
Past Due Financing Receivables | The following tables provide information on the aging of the loan portfolio as of June 30, 2018 and December 31, 2017. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  | Accruing |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  | 30-59 days |  | 60-89 days |  | Greater than |  | Total |  |  |  |  |  |  |  |
﻿(Dollars in thousands) |  | Current |  | past due |  | past due |  | 90 days |  | past due |  | Nonaccrual |  | Total
﻿ June 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 134,152 |  |  | $ | 184 |  |  | $ | - |  |  | $ | - |  |  | $ | 184 |  |  | $ | 2,982 |  |  | $ | 137,318 |
﻿Residential real estate |  |  | 405,042 |  |  |  | 433 |  |  |  | 214 |  |  |  | - |  |  |  | 647 |  |  |  | 1,589 |  |  |  | 407,278 |
﻿Commercial real estate |  |  | 493,503 |  |  |  | 1,130 |  |  |  | 1,221 |  |  |  | - |  |  |  | 2,351 |  |  |  | 1,853 |  |  |  | 497,707 |
﻿Commercial |  |  | 107,836 |  |  |  | 60 |  |  |  | - |  |  |  | - |  |  |  | 60 |  |  |  | 333 |  |  |  | 108,229 |
﻿Consumer |  |  | 6,329 |  |  |  | 21 |  |  |  | 2 |  |  |  | - |  |  |  | 23 |  |  |  | - |  |  |  | 6,352 |
﻿Total |  | $ | 1,146,862 |  |  | $ | 1,828 |  |  | $ | 1,437 |  |  | $ | - |  |  | $ | 3,265 |  |  | $ | 6,757 |  |  | $ | 1,156,884 |
﻿Percent of total loans |  |  | 99.1 | % |  |  | 0.2 | % |  |  | 0.1 | % |  |  | - | % |  |  | 0.3 | % |  |  | 0.6 | % |  |  | 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, 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 | %
﻿
Consolidated Allowance for Credit Losses on Financing Receivables | The following tables provide a summary of the activity in the allowance for credit losses allocated by loan class for the three and six months ended June 30, 2018 and June 30, 2017. 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 three months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ June 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Beginning Balance |  | $ | 2,541 |  | $ | 2,359 |  | $ | 2,643 |  | $ | 2,027 |  | $ | 217 |  | $ | - |  | $ | 9,787
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Charge-offs |  |  | - |  |  | (41) |  |  | - |  |  | (126) |  |  | (14) |  |  | - |  |  | (181)
﻿Recoveries |  |  | 6 |  |  | 73 |  |  | 8 |  |  | 10 |  |  | - |  |  | - |  |  | 97
﻿Net charge-offs |  |  | 6 |  |  | 32 |  |  | 8 |  |  | (116) |  |  | (14) |  |  | - |  |  | (84)
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Provision |  |  | 46 |  |  | (241) |  |  | 194 |  |  | 299 |  |  | 120 |  |  | - |  |  | 418
﻿Ending Balance |  | $ | 2,593 |  | $ | 2,150 |  | $ | 2,845 |  | $ | 2,210 |  | $ | 323 |  | $ | - |  | $ | 10,121
﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |
﻿(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total
﻿For three months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ June 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Beginning Balance |  | $ | 2,290 |  | $ | 2,131 |  | $ | 2,912 |  | $ | 1,338 |  | $ | 256 |  | $ | - |  | $ | 8,927
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Charge-offs |  |  | (25) |  |  | (100) |  |  | - |  |  | (706) |  |  | (15) |  |  | - |  |  | (846)
﻿Recoveries |  |  | 9 |  |  | 10 |  |  | 8 |  |  | 42 |  |  | 8 |  |  | - |  |  | 77
﻿Net charge-offs |  |  | (16) |  |  | (90) |  |  | 8 |  |  | (664) |  |  | (7) |  |  | - |  |  | (769)
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Provision |  |  | 75 |  |  | 55 |  |  | (118) |  |  | 978 |  |  | (16) |  |  | - |  |  | 974
﻿Ending Balance |  | $ | 2,349 |  | $ | 2,096 |  | $ | 2,802 |  | $ | 1,652 |  | $ | 233 |  | $ | - |  | $ | 9,132
﻿ ﻿ ﻿ ﻿ ﻿ ﻿ ﻿ ﻿ ﻿ ﻿ ﻿ ﻿ ﻿ ﻿ ﻿ ﻿ ﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |
﻿(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total
﻿For six months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ June 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Beginning Balance |  | $ | 2,460 |  | $ | 2,284 |  | $ | 2,594 |  | $ | 2,241 |  | $ | 202 |  | $ | - |  | $ | 9,781
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Charge-offs |  |  | (379) |  |  | (179) |  |  | - |  |  | (126) |  |  | (24) |  |  | - |  |  | (708)
﻿Recoveries |  |  | 15 |  |  | 86 |  |  | 18 |  |  | 22 |  |  | - |  |  | - |  |  | 141
﻿Net charge-offs |  |  | (364) |  |  | (93) |  |  | 18 |  |  | (104) |  |  | (24) |  |  | - |  |  | (567)
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Provision |  |  | 497 |  |  | (41) |  |  | 233 |  |  | 73 |  |  | 145 |  |  | - |  |  | 907
﻿Ending Balance |  | $ | 2,593 |  | $ | 2,150 |  | $ | 2,845 |  | $ | 2,210 |  | $ | 323 |  | $ | - |  | $ | 10,121
﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |
﻿(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total
﻿For six months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ June 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Beginning Balance |  | $ | 2,787 |  | $ | 1,953 |  | $ | 2,610 |  | $ | 1,145 |  | $ | 231 |  | $ | - |  | $ | 8,726
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Charge-offs |  |  | (54) |  |  | (323) |  |  | - |  |  | (771) |  |  | (15) |  |  | - |  |  | (1,163)
﻿Recoveries |  |  | 16 |  |  | 21 |  |  | 19 |  |  | 100 |  |  | 12 |  |  | - |  |  | 168
﻿Net charge-offs |  |  | (38) |  |  | (302) |  |  | 19 |  |  | (671) |  |  | (3) |  |  | - |  |  | (995)
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Provision |  |  | (400) |  |  | 445 |  |  | 173 |  |  | 1,178 |  |  | 5 |  |  | - |  |  | 1,401
﻿Ending Balance |  | $ | 2,349 |  | $ | 2,096 |  | $ | 2,802 |  | $ | 1,652 |  | $ | 233 |  | $ | - |  | $ | 9,132
﻿

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