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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Table) | 12 Months Ended
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Dec. 31, 2018
Receivables [Abstract] |
Schedule of Financing Receivables | The following table provides information about the principal classes of the loan portfolio at December 31, 2018 and 2017. ﻿
﻿ |  |  |  |  |  |
﻿(Dollars in thousands) |  | 2018 |  | 2017
﻿Construction |  | $ | 127,572 |  | $ | 125,746
﻿Residential real estate |  |  | 429,560 |  |  | 399,190
﻿Commercial real estate |  |  | 523,427 |  |  | 464,887
﻿Commercial |  |  | 107,522 |  |  | 97,284
﻿Consumer |  |  | 7,274 |  |  | 6,407
﻿Total loans |  |  | 1,195,355 |  |  | 1,093,514
﻿Allowance for credit losses |  |  | (10,343) |  |  | (9,781)
﻿Total loans, net |  | $ | 1,185,012 |  | $ | 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 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
﻿ ﻿
Impaired Financing Receivables | The following tables provide information on impaired loans and any related allowance by loan class as of December 31, 2018 and 2017. The difference between the unpaid principal balance and the recorded investment is the amount of partial charge-offs that have been taken and interest paid on nonaccrual loans that has been applied to principal. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | 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, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Impaired nonaccrual loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 3,219 |  | $ | 127 |  | $ | 2,715 |  | $ | 320 |  | $ | 2,988 |  | $ | -
﻿Residential real estate |  |  | 4,281 |  |  | 2,605 |  |  | 1,494 |  |  | 118 |  |  | 1,884 |  |  | -
﻿Commercial real estate |  |  | 10,029 |  |  | 9,307 |  |  | 67 |  |  | 67 |  |  | 2,149 |  |  | -
﻿Commercial |  |  | 445 |  |  | - |  |  | 340 |  |  | 36 |  |  | 336 |  |  | -
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 17,974 |  | $ | 12,039 |  | $ | 4,616 |  | $ | 541 |  | $ | 7,357 |  | $ | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Impaired accruing TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 51 |  | $ | 51 |  | $ | - |  | $ | - |  | $ | 866 |  | $ | 35
﻿Residential real estate |  |  | 4,454 |  |  | 1,440 |  |  | 3,014 |  |  | 183 |  |  | 4,606 |  |  | 125
﻿Commercial real estate |  |  | 4,158 |  |  | 1,286 |  |  | 2,872 |  |  | 37 |  |  | 4,416 |  |  | 149
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 8,663 |  | $ | 2,777 |  | $ | 5,886 |  | $ | 220 |  | $ | 9,888 |  | $ | 309
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 3,270 |  | $ | 178 |  | $ | 2,715 |  | $ | 320 |  | $ | 3,854 |  | $ | 35
﻿Residential real estate |  |  | 8,735 |  |  | 4,045 |  |  | 4,508 |  |  | 301 |  |  | 6,490 |  |  | 125
﻿Commercial real estate |  |  | 14,187 |  |  | 10,593 |  |  | 2,939 |  |  | 104 |  |  | 6,565 |  |  | 149
﻿Commercial |  |  | 445 |  |  | - |  |  | 340 |  |  | 36 |  |  | 336 |  |  | -
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 26,637 |  | $ | 14,816 |  | $ | 10,502 |  | $ | 761 |  | $ | 17,245 |  | $ | 309
﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | 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
﻿
Troubled Debt Restructurings on Financing Receivables | The following tables provide a roll-forward for troubled debt restructurings as of December 31, 2018 and December 31, 2017. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | 1/1/2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/31/2018 |  |  |
﻿ |  | 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, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Accruing TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 3,972 |  | $ | - |  | $ | (229) |  | $ | (397) |  | $ | (695) |  | $ | (2,600) |  | $ | 51 |  | $ | -
﻿Residential real estate |  |  | 4,536 |  |  | - |  |  | (85) |  |  | - |  |  | 541 |  |  | (538) |  |  | 4,454 |  |  | 183
﻿Commercial real estate |  |  | 4,818 |  |  | - |  |  | (441) |  |  | - |  |  | - |  |  | (219) |  |  | 4,158 |  |  | 37
﻿Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 13,326 |  | $ | - |  | $ | (755) |  | $ | (397) |  | $ | (154) |  | $ | (3,357) |  | $ | 8,663 |  | $ | 220
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Nonaccrual TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 2,878 |  | $ | - |  | $ | (163) |  | $ | - |  | $ | 83 |  | $ | - |  | $ | 2,798 |  | $ | 320
﻿Residential real estate |  |  | - |  |  | - |  |  | - |  |  | (80) |  |  | 80 |  |  | - |  |  | - |  |  | -
﻿Commercial real estate |  |  | 83 |  |  | - |  |  | - |  |  | - |  |  | (83) |  |  | - |  |  | - |  |  | -
﻿Commercial |  |  | 337 |  |  | - |  |  | (17) |  |  | - |  |  | - |  |  | - |  |  | 320 |  |  | 16
﻿Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | $ | 3,298 |  | $ | - |  | $ | (180) |  | $ | (80) |  | $ | 80 |  | $ | - |  | $ | 3,118 |  | $ | 336
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total |  | $ | 16,624 |  | $ | - |  | $ | (935) |  | $ | (477) |  | $ | (74) |  | $ | (3,357) |  | $ | 11,781 |  | $ | 556
﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | 1/1/2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/31/17 |  |  |
﻿ |  | 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
The following tables provide information on loans that were modified and considered TDRs during 2018 and 2017. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  | Premodification |  | Postmodification |  |  |
﻿ |  |  |  | outstanding |  | outstanding |  |  |
﻿ |  | Number of |  | recorded |  | recorded |  | Related
﻿(Dollars in thousands) |  | contracts |  | investment |  | investment |  | allowance
﻿TDRs: |  |  |  |  |  |  |  |  |  |  |
﻿For the year ended |  |  |  |  |  |  |  |  |  |  |
﻿December 31, 2018 |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | - |  | $ | - |  | $ | - |  | $ | -
﻿Residential real estate |  | - |  |  | - |  |  | - |  |  | -
﻿Commercial real estate |  | - |  |  | - |  |  | - |  |  | -
﻿Commercial |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  | - |  |  | - |  |  | - |  |  | -
﻿Total |  | - |  | $ | - |  | $ | - |  | $ | -
﻿ |  |  |  |  |  |  |  |  |  |  |
﻿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 |  | $ | -
﻿
Troubled Debt Restructurings That Defaulted On Financing Receivables | During the year ended December 31, 2018, there were no new TDR’s or previously recorded TDR’s which were modified. ﻿ The following tables provide information on TDRs that defaulted during 2018 and 2017 within 12 months of their restructuring. 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 there is a transfer to OREO or repossessed assets. ﻿
﻿ |  |  |  |  |  |  |  |
﻿ |  | Number of |  | Recorded |  | Related
﻿(Dollars in thousands) |  | contracts |  | investment |  | allowance
﻿TDRs that subsequently defaulted: |  |  |  |  |  |  |  |
﻿For the year ended |  |  |  |  |  |  |  |
﻿December 31, 2018 |  |  |  |  |  |  |  |
﻿Construction |  | - |  | $ | - |  | $ | -
﻿Residential real estate |  | - |  |  | - |  |  | -
﻿Commercial real estate |  | - |  |  | - |  |  | -
﻿Commercial |  | - |  |  | - |  |  | -
﻿Consumer |  | - |  |  | - |  |  | -
﻿Total |  | - |  | $ | - |  | $ | -
﻿ |  |  |  |  |  |  |  |
﻿For the year ended |  |  |  |  |  |  |  |
﻿December 31, 2017 |  |  |  |  |  |  |  |
﻿Construction |  | - |  | $ | - |  | $ | -
﻿Residential real estate |  | - |  |  | - |  |  | -
﻿Commercial real estate |  | - |  |  | - |  |  | -
﻿Commercial |  | - |  |  | - |  |  | -
﻿Consumer |  | - |  |  | - |  |  | -
﻿Total |  | - |  | $ | - |  | $ | -
﻿
Financing Receivable Credit Quality Indicators | The following tables provide information on loan risk ratings as of December 31, 2018 and 2017. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  | Special |  |  |  |  |  |
﻿(Dollars in thousands) |  | Pass/Performing |  | Pass/Watch |  | Mention |  | Substandard |  | Doubtful |  | Total
﻿December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 93,977 |  | $ | 30,735 |  | $ | - |  | $ | 2,860 |  | $ | - |  | $ | 127,572
﻿Residential real estate |  |  | 386,553 |  |  | 33,739 |  |  | 3,769 |  |  | 5,499 |  |  | - |  |  | 429,560
﻿Commercial real estate |  |  | 389,219 |  |  | 113,873 |  |  | 4,515 |  |  | 15,820 |  |  | - |  |  | 523,427
﻿Commercial |  |  | 90,777 |  |  | 15,727 |  |  | 642 |  |  | 376 |  |  | - |  |  | 107,522
﻿Consumer |  |  | 6,805 |  |  | 466 |  |  | - |  |  | 3 |  |  | - |  |  | 7,274
﻿Total |  | $ | 967,331 |  | $ | 194,540 |  | $ | 8,926 |  | $ | 24,558 |  | $ | - |  | $ | 1,195,355
﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  | 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 December 31, 2018 and 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
﻿December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Construction |  | $ | 124,535 |  |  | $ | 195 |  |  | $ | - |  |  | $ | - |  |  | $ | 195 |  |  | $ | 2,842 |  |  | $ | 127,572 |
﻿Residential real estate |  |  | 423,732 |  |  |  | 1,384 |  |  |  | 206 |  |  |  | 139 |  |  |  | 1,729 |  |  |  | 4,099 |  |  |  | 429,560 |
﻿Commercial real estate |  |  | 512,252 |  |  |  | 253 |  |  |  | 1,548 |  |  |  | - |  |  |  | 1,801 |  |  |  | 9,374 |  |  |  | 523,427 |
﻿Commercial |  |  | 107,089 |  |  |  | 83 |  |  |  | 10 |  |  |  | - |  |  |  | 93 |  |  |  | 340 |  |  |  | 107,522 |
﻿Consumer |  |  | 7,238 |  |  |  | 30 |  |  |  | 6 |  |  |  | - |  |  |  | 36 |  |  |  | - |  |  |  | 7,274 |
﻿Total |  | $ | 1,174,846 |  |  | $ | 1,945 |  |  | $ | 1,770 |  |  | $ | 139 |  |  | $ | 3,854 |  |  | $ | 16,655 |  |  | $ | 1,195,355 |
﻿Percent of total loans |  |  | 98.3 | % |  |  | 0.2 | % |  |  | 0.1 | % |  |  | - | % |  |  | 0.3 | % |  |  | 1.4 | % |  |  | 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 | %
﻿

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