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v3.19.1

Loans and Allowance for Credit Losses (Tables) | 3 Months Ended
--- | ---
Mar. 31, 2019
Receivables [Abstract] |
Schedule of Financing Receivables |
(Dollars in thousands) |  | March 31, 2019 |  | December 31, 2018
Construction |  | $ | 142,071 |  | $ | 127,572
Residential real estate |  |  | 427,023 |  |  | 429,560
Commercial real estate |  |  | 529,229 |  |  | 523,427
Commercial |  |  | 106,172 |  |  | 107,522
Consumer |  |  | 7,221 |  |  | 7,274
Total loans |  |  | 1,211,716 |  |  | 1,195,355
Allowance for credit losses |  |  | (10,418) |  |  | (10,343)
Total loans, net |  | $ | 1,201,298 |  | $ | 1,185,012
Allowance for Credit Losses on Financing Receivables |
|  |  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Total
March 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 2,814 |  | $ | 7,218 |  | $ | 12,841 |  | $ | 315 |  | $ | — |  | $ | 23,188
Loans collectively evaluated for impairment |  |  | 139,257 |  |  | 419,805 |  |  | 516,388 |  |  | 105,857 |  |  | 7,221 |  |  | 1,188,528
Total loans |  | $ | 142,071 |  | $ | 427,023 |  | $ | 529,229 |  | $ | 106,172 |  | $ | 7,221 |  | $ | 1,211,716
Allowance for credit losses allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 279 |  | $ | 427 |  | $ | 94 |  | $ | 12 |  | $ | — |  | $ | 812
Loans collectively evaluated for impairment |  |  | 2,378 |  |  | 2,006 |  |  | 2,963 |  |  | 1,997 |  |  | 262 |  |  | 9,606
Total allowance |  | $ | 2,657 |  | $ | 2,433 |  | $ | 3,057 |  | $ | 2,009 |  | $ | 262 |  | $ | 10,418
|  |  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Total
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 2,893 |  | $ | 8,553 |  | $ | 13,532 |  | $ | 340 |  | $ | — |  | $ | 25,318
Loans collectively evaluated for impairment |  |  | 124,679 |  |  | 421,007 |  |  | 509,895 |  |  | 107,182 |  |  | 7,274 |  |  | 1,170,037
Total loans |  | $ | 127,572 |  | $ | 429,560 |  | $ | 523,427 |  | $ | 107,522 |  | $ | 7,274 |  | $ | 1,195,355
Allowance for credit losses allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 320 |  | $ | 301 |  | $ | 104 |  | $ | 36 |  | $ | — |  | $ | 761
Loans collectively evaluated for impairment |  |  | 2,342 |  |  | 2,052 |  |  | 2,973 |  |  | 1,913 |  |  | 302 |  |  | 9,582
Total allowance |  | $ | 2,662 |  | $ | 2,353 |  | $ | 3,077 |  | $ | 1,949 |  | $ | 302 |  | $ | 10,343
Impaired Financing Receivables |
|  |  |  |  | Recorded |  | Recorded |  |  |  |  | March 31, 2019
|  | Unpaid |  | investment |  | investment |  |  |  |  | Average |  | Interest
|  | principal |  | with no |  | with an |  | Related |  | recorded |  | recorded
(Dollars in thousands) |  | balance |  | allowance |  | allowance |  | allowance |  | investment |  | investment
March 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Impaired nonaccrual loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 3,149 |  |  | 83 |  |  | 2,682 |  |  | 279 |  |  | 2,791 |  |  | —
Residential real estate |  |  | 3,213 |  |  | 2,456 |  |  | 528 |  |  | 253 |  |  | 3,338 |  |  | —
Commercial real estate |  |  | 9,955 |  |  | 9,229 |  |  | 67 |  |  | 67 |  |  | 9,318 |  |  | —
Commercial |  |  | 425 |  |  | — |  |  | 315 |  |  | 12 |  |  | 325 |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 16,742 |  | $ | 11,768 |  | $ | 3,592 |  | $ | 611 |  | $ | 15,772 |  | $ | —
Impaired accruing TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 49 |  | $ | 49 |  | $ | — |  | $ | — |  | $ | 50 |  | $ | 7
Residential real estate |  |  | 4,234 |  |  | 1,234 |  |  | 3,000 |  |  | 174 |  |  | 4,308 |  |  | 39
Commercial real estate |  |  | 3,545 |  |  | 2,848 |  |  | 697 |  |  | 27 |  |  | 3,550 |  |  | 39
Commercial |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 7,828 |  | $ | 4,131 |  | $ | 3,697 |  | $ | 201 |  | $ | 7,908 |  | $ | 85
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 3,198 |  | $ | 132 |  | $ | 2,682 |  | $ | 279 |  | $ | 2,841 |  | $ | 7
Residential real estate |  |  | 7,447 |  |  | 3,690 |  |  | 3,528 |  |  | 427 |  |  | 7,646 |  |  | 39
Commercial real estate |  |  | 13,500 |  |  | 12,077 |  |  | 764 |  |  | 94 |  |  | 12,868 |  |  | 39
Commercial |  |  | 425 |  |  | — |  |  | 315 |  |  | 12 |  |  | 325 |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 24,570 |  | $ | 15,899 |  | $ | 7,289 |  | $ | 812 |  | $ | 23,680 |  | $ | 85
|  |  |  |  | Recorded |  | Recorded |  |  |  |  | March 31, 2018
|  | 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 |  | $ | 2,989 |  | $ | —
Residential real estate |  |  | 4,281 |  |  | 2,605 |  |  | 1,494 |  |  | 118 |  |  | 1,625 |  |  | —
Commercial real estate |  |  | 10,029 |  |  | 9,307 |  |  | 67 |  |  | 67 |  |  | 720 |  |  | —
Commercial |  |  | 445 |  |  | — |  |  | 340 |  |  | 36 |  |  | 345 |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 17,974 |  | $ | 12,039 |  | $ | 4,616 |  | $ | 541 |  | $ | 5,679 |  | $ | —
Impaired accruing TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 51 |  | $ | 51 |  | $ | — |  | $ | — |  | $ | 2,977 |  | $ | 13
Residential real estate |  |  | 4,454 |  |  | 1,440 |  |  | 3,014 |  |  | 183 |  |  | 4,292 |  |  | 46
Commercial real estate |  |  | 4,158 |  |  | 1,286 |  |  | 2,872 |  |  | 37 |  |  | 4,650 |  |  | 41
Commercial |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 8,663 |  | $ | 2,777 |  | $ | 5,886 |  | $ | 220 |  | $ | 11,919 |  | $ | 100
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 3,270 |  | $ | 178 |  | $ | 2,715 |  | $ | 320 |  | $ | 5,966 |  | $ | 13
Residential real estate |  |  | 8,735 |  |  | 4,045 |  |  | 4,508 |  |  | 301 |  |  | 5,917 |  |  | 46
Commercial real estate |  |  | 14,187 |  |  | 10,593 |  |  | 2,939 |  |  | 104 |  |  | 5,370 |  |  | 41
Commercial |  |  | 445 |  |  | — |  |  | 340 |  |  | 36 |  |  | 345 |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 26,637 |  | $ | 14,816 |  | $ | 10,502 |  | $ | 761 |  | $ | 17,598 |  | $ | 100
Troubled Debt Restructurings on Financing Receivables |
|  | 1/1/2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/31/2019 |  |  |
|  | 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, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Accruing TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 51 |  | $ | — |  | $ | (2) |  | $ | — |  | $ | — |  | $ | — |  | $ | 49 |  | $ | —
Residential real estate |  |  | 4,454 |  |  | — |  |  | (23) |  |  | — |  |  | — |  |  | (197) |  |  | 4,234 |  |  | 174
Commercial real estate |  |  | 4,158 |  |  | — |  |  | (613) |  |  | — |  |  | — |  |  | — |  |  | 3,545 |  |  | 27
Commercial |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 8,663 |  | $ | — |  | $ | (638) |  | $ | — |  | $ | — |  | $ | (197) |  | $ | 7,828 |  | $ | 201
Nonaccrual TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 2,798 |  | $ | — |  | $ | (33) |  | $ | — |  | $ | — |  | $ | — |  | $ | 2,765 |  | $ | 279
Residential real estate |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Commercial real estate |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Commercial |  |  | 320 |  |  | — |  |  | (4) |  |  | — |  |  | — |  |  | — |  |  | 315 |  |  | 12
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 3,118 |  | $ | — |  | $ | (38) |  | $ | — |  | $ | — |  | $ | — |  | $ | 3,080 |  | $ | 291
Total |  | $ | 11,781 |  | $ | — |  | $ | (676) |  | $ | — |  | $ | — |  | $ | (197) |  | $ | 10,908 |  | $ | 492
|  | 1/1/2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/31/2018 |  |  |
|  | TDR |  | New |  | Disbursements |  | Charge- |  | Reclassifications/ |  |  |  |  | TDR |  | Related
(Dollars in thousands) |  | Balance |  | TDRs |  | (Payments) |  | offs |  | Transfer In/(Out) |  | Payoffs |  | Balance |  | Allowance
For the three months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
March 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Accruing TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 3,972 |  | $ | — |  | $ | (3) |  | $ | (379) |  | $ | — |  | $ | (2,600) |  | $ | 990 |  | $ | 41
Residential real estate |  |  | 4,536 |  |  | — |  |  | (25) |  |  | — |  |  | (154) |  |  | (187) |  |  | 4,170 |  |  | 223
Commercial real estate |  |  | 4,818 |  |  | — |  |  | (33) |  |  | — |  |  | — |  |  | (219) |  |  | 4,566 |  |  | 36
Commercial |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 13,326 |  | $ | — |  | $ | (61) |  | $ | (379) |  | $ | (154) |  | $ | (3,006) |  | $ | 9,726 |  | $ | 300
Nonaccrual TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 2,878 |  | $ | — |  | $ | (16) |  | $ | — |  | $ | — |  | $ | — |  | $ | 2,862 |  | $ | 428
Residential real estate |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 154 |  |  | — |  |  | 154 |  |  | —
Commercial real estate |  |  | 83 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 83 |  |  | —
Commercial |  |  | 337 |  |  | — |  |  | (4) |  |  | — |  |  | — |  |  | — |  |  | 333 |  |  | 29
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 3,298 |  | $ | — |  | $ | (20) |  | $ | — |  | $ | 154 |  | $ | — |  | $ | 3,432 |  | $ | 457
Total |  | $ | 16,624 |  | $ | — |  | $ | (81) |  | $ | (379) |  | $ | — |  | $ | (3,006) |  | $ | 13,158 |  | $ | 757
The following tables provide information on loans that were modified and considered TDRs during the three months ended March 31, 2019 and March 31, 2018.
|  |  |  | Premodification |  | Postmodification |  |  |
|  |  |  | outstanding |  | outstanding |  |  |
|  | Number of |  | recorded |  | recorded |  | Related
(Dollars in thousands) |  | contracts |  | investment |  | investment |  | allowance
TDRs: |  |  |  |  |  |  |  |  |  |  |
For three months ended |  |  |  |  |  |  |  |  |  |  |
March 31, 2019 |  |  |  |  |  |  |  |  |  |  |
Construction |  | — |  | $ | — |  | $ | — |  | $ | —
Residential real estate |  | — |  |  | — |  |  | — |  |  | —
Commercial real estate |  | — |  |  | — |  |  | — |  |  | —
Commercial |  | — |  |  | — |  |  | — |  |  | —
Consumer |  | — |  |  | — |  |  | — |  |  | —
Total |  | — |  | $ | — |  | $ | — |  | $ | —
For three months ended |  |  |  |  |  |  |  |  |  |  |
March 31, 2018 |  |  |  |  |  |  |  |  |  |  |
Construction |  | — |  | $ | — |  | $ | — |  | $ | —
Residential real estate |  | — |  |  | — |  |  | — |  |  | —
Commercial real estate |  | — |  |  | — |  |  | — |  |  | —
Commercial |  | — |  |  | — |  |  | — |  |  | —
Consumer |  | — |  |  | — |  |  | — |  |  | —
Total |  | — |  | $ | — |  | $ | — |  | $ | —
Troubled Debt Restructurings That Defaulted On Financing Receivables |
|  | Number of |  | Recorded |  | Related
(Dollars in thousands) |  | contracts |  | investment |  | allowance
TDRs that subsequently defaulted: |  |  |  |  |  |  |  |
For three months ended |  |  |  |  |  |  |  |
March 31, 2019 |  |  |  |  |  |  |  |
Construction |  | — |  | $ | — |  | $ | —
Residential real estate |  | — |  |  | — |  |  | —
Commercial real estate |  | — |  |  | — |  |  | —
Commercial |  | — |  |  | — |  |  | —
Consumer |  | — |  |  | — |  |  | —
Total |  | — |  | $ | — |  | $ | —
For three months ended |  |  |  |  |  |  |  |
March 31, 2018 |  |  |  |  |  |  |  |
Construction |  | — |  | $ | — |  | $ | —
Residential real estate |  | — |  |  | — |  |  | —
Commercial real estate |  | — |  |  | — |  |  | —
Commercial |  | — |  |  | — |  |  | —
Consumer |  | — |  |  | — |  |  | —
Total |  | — |  | $ | — |  | $ | —
Financing Receivable Credit Quality Indicators |
|  |  |  |  |  |  |  | Special |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Pass/Performing |  | Pass/Watch |  | Mention |  | Substandard |  | Doubtful |  | Total
March 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 108,606 |  | $ | 28,496 |  | $ | 2,186 |  | $ | 2,783 |  | $ | — |  | $ | 142,071
Residential real estate |  |  | 386,816 |  |  | 31,783 |  |  | 4,245 |  |  | 4,179 |  |  | — |  |  | 427,023
Commercial real estate |  |  | 399,958 |  |  | 108,186 |  |  | 5,967 |  |  | 15,118 |  |  | — |  |  | 529,229
Commercial |  |  | 88,627 |  |  | 16,705 |  |  | 490 |  |  | 350 |  |  | — |  |  | 106,172
Consumer |  |  | 6,770 |  |  | 448 |  |  | — |  |  | 3 |  |  | — |  |  | 7,221
Total |  | $ | 990,777 |  | $ | 185,618 |  | $ | 12,888 |  | $ | 22,433 |  | $ | — |  | $ | 1,211,716
|  |  |  |  |  |  |  | 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
Past Due Financing Receivables |
|  | 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, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 139,087 |  | $ | 219 |  | $ | — |  | $ | — |  | $ | 219 |  | $ | 2,765 |  | $ | 142,071 |
Residential real estate |  |  | 419,955 |  |  | 3,967 |  |  | 82 |  |  | 35 |  |  | 4,084 |  |  | 2,984 |  |  | 427,023 |
Commercial real estate |  |  | 515,652 |  |  | 4,123 |  |  | 158 |  |  | — |  |  | 4,281 |  |  | 9,296 |  |  | 529,229 |
Commercial |  |  | 105,741 |  |  | 104 |  |  | — |  |  | 12 |  |  | 116 |  |  | 315 |  |  | 106,172 |
Consumer |  |  | 7,172 |  |  | 28 |  |  | 21 |  |  | — |  |  | 49 |  |  | — |  |  | 7,221 |
Total |  | $ | 1,187,607 |  | $ | 8,441 |  | $ | 261 |  | $ | 47 |  | $ | 8,749 |  | $ | 15,360 |  | $ | 1,211,716 |
Percent of total loans |  |  | 98.0 | % |  | 0.7 | % |  | — | % |  | — | % |  | 0.7 | % |  | 1.3 | % |  | 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, 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 | % |  | 0.0 | % |  | 0.3 | % |  | 1.4 | % |  | 100.0 | %
Consolidated Allowance for Credit Losses on Financing Receivables |
|  |  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Total
For three months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
March 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 2,662 |  | $ | 2,353 |  | $ | 3,077 |  | $ | 1,949 |  | $ | 302 |  | $ | 10,343
Charge-offs |  |  | — |  |  | (123) |  |  | — |  |  | (81) |  |  | (6) |  |  | (210)
Recoveries |  |  | 3 |  |  | 8 |  |  | 99 |  |  | 75 |  |  | — |  |  | 185
Net charge-offs |  |  | 3 |  |  | (115) |  |  | 99 |  |  | (6) |  |  | (6) |  |  | (25)
Provision |  |  | (8) |  |  | 195 |  |  | (119) |  |  | 66 |  |  | (34) |  |  | 100
Ending Balance |  | $ | 2,657 |  | $ | 2,433 |  | $ | 3,057 |  | $ | 2,009 |  | $ | 262 |  | $ | 10,418
|  |  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Total
For three months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
March 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 2,460 |  | $ | 2,284 |  | $ | 2,594 |  | $ | 2,241 |  | $ | 202 |  | $ | 9,781
Charge-offs |  |  | (379) |  |  | (138) |  |  | — |  |  | — |  |  | (10) |  |  | (527)
Recoveries |  |  | 9 |  |  | 13 |  |  | 10 |  |  | 143 |  |  | — |  |  | 175
Net charge-offs |  |  | (370) |  |  | (125) |  |  | 10 |  |  | 143 |  |  | (10) |  |  | (352)
Provision |  |  | 451 |  |  | 200 |  |  | 39 |  |  | (226) |  |  | 25 |  |  | 489
Ending Balance |  | $ | 2,541 |  | $ | 2,359 |  | $ | 2,643 |  | $ | 2,158 |  | $ | 217 |  | $ | 9,918

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