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v3.19.2

Loans and Allowance for Credit Losses (Tables) | 6 Months Ended
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Jun. 30, 2019
Receivables [Abstract] |
Schedule of Financing Receivables |
(Dollars in thousands) |  | June 30, 2019 |  | December 31, 2018
Construction |  | $ | 134,145 |  | $ | 127,572
Residential real estate |  |  | 430,020 |  |  | 429,560
Commercial real estate |  |  | 559,568 |  |  | 523,427
Commercial |  |  | 108,615 |  |  | 107,522
Consumer |  |  | 7,947 |  |  | 7,274
Total loans |  |  | 1,240,295 |  |  | 1,195,355
Allowance for credit losses |  |  | (10,305) |  |  | (10,343)
Total loans, net |  | $ | 1,229,990 |  | $ | 1,185,012
Allowance for Credit Losses on Financing Receivables |
|  |  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Total
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 1,494 |  | $ | 6,761 |  | $ | 13,794 |  | $ | 311 |  | $ | — |  | $ | 22,360
Loans collectively evaluated for impairment |  |  | 132,651 |  |  | 423,259 |  |  | 545,774 |  |  | 108,304 |  |  | 7,947 |  |  | 1,217,935
Total loans |  | $ | 134,145 |  | $ | 430,020 |  | $ | 559,568 |  | $ | 108,615 |  | $ | 7,947 |  | $ | 1,240,295
Allowance for credit losses allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 152 |  | $ | 230 |  | $ | 272 |  | $ | 7 |  | $ | — |  | $ | 661
Loans collectively evaluated for impairment |  |  | 2,291 |  |  | 1,925 |  |  | 3,095 |  |  | 2,050 |  |  | 283 |  |  | 9,644
Total allowance |  | $ | 2,443 |  | $ | 2,155 |  | $ | 3,367 |  | $ | 2,057 |  | $ | 283 |  | $ | 10,305
|  |  |  |  | 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 |  |  |  |  | June 30, 2019
|  | Unpaid |  | investment |  | investment |  |  |  |  | Quarter-to-date |  | Average |  | Interest
|  | principal |  | with no |  | with an |  | Related |  | average recorded |  | recorded |  | recorded
(Dollars in thousands) |  | balance |  | allowance |  | allowance |  | allowance |  | investment |  | investment |  | investment
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Impaired nonaccrual loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 1,581 |  |  | — |  |  | 1,449 |  |  | 152 |  |  | 1,515 |  |  | 2,153 |  |  | —
Residential real estate |  |  | 3,035 |  |  | 2,549 |  |  | — |  |  | — |  |  | 2,730 |  |  | 3,034 |  |  | —
Commercial real estate |  |  | 10,949 |  |  | 8,956 |  |  | 1,327 |  |  | 247 |  |  | 9,613 |  |  | 9,466 |  |  | —
Commercial |  |  | 425 |  |  | — |  |  | 311 |  |  | 7 |  |  | 314 |  |  | 319 |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 15,990 |  | $ | 11,505 |  | $ | 3,087 |  | $ | 406 |  | $ | 14,172 |  | $ | 14,972 |  | $ | —
Impaired accruing TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 45 |  | $ | 45 |  | $ | — |  | $ | — |  | $ | 47 |  | $ | 48 |  | $ | 8
Residential real estate |  |  | 4,212 |  |  | 1,228 |  |  | 2,984 |  |  | 230 |  |  | 4,219 |  |  | 4,263 |  |  | 81
Commercial real estate |  |  | 3,511 |  |  | 2,822 |  |  | 689 |  |  | 25 |  |  | 3,516 |  |  | 3,533 |  |  | 66
Commercial |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 7,768 |  | $ | 4,095 |  | $ | 3,673 |  | $ | 255 |  | $ | 7,782 |  | $ | 7,844 |  | $ | 155
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 1,626 |  | $ | 45 |  | $ | 1,449 |  | $ | 152 |  | $ | 1,562 |  | $ | 2,201 |  | $ | 8
Residential real estate |  |  | 7,247 |  |  | 3,777 |  |  | 2,984 |  |  | 230 |  |  | 6,949 |  |  | 7,297 |  |  | 81
Commercial real estate |  |  | 14,460 |  |  | 11,778 |  |  | 2,016 |  |  | 272 |  |  | 13,129 |  |  | 12,999 |  |  | 66
Commercial |  |  | 425 |  |  | — |  |  | 311 |  |  | 7 |  |  | 314 |  |  | 319 |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 23,758 |  | $ | 15,600 |  | $ | 6,760 |  | $ | 661 |  | $ | 21,954 |  | $ | 22,816 |  | $ | 155
|  |  |  |  | Recorded |  | Recorded |  |  |  |  | June 30, 2018
|  | Unpaid |  | investment |  | investment |  |  |  |  | Quarter-to-date |  | Average |  | Interest
|  | principal |  | with no |  | with an |  | Related |  | average recorded |  | recorded |  | income
(Dollars in thousands) |  | balance |  | allowance |  | allowance |  | allowance |  | investment |  | investment |  | recognized
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Impaired nonaccrual loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 3,219 |  | $ | 127 |  | $ | 2,715 |  | $ | 320 |  | $ | 2,982 |  | $ | 2,987 |  | $ | —
Residential real estate |  |  | 4,281 |  |  | 2,605 |  |  | 1,494 |  |  | 118 |  |  | 1,590 |  |  | 1,504 |  |  | —
Commercial real estate |  |  | 10,029 |  |  | 9,307 |  |  | 67 |  |  | 67 |  |  | 1,853 |  |  | 1,286 |  |  | —
Commercial |  |  | 445 |  |  | — |  |  | 340 |  |  | 36 |  |  | 332 |  |  | 344 |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 17,974 |  | $ | 12,039 |  | $ | 4,616 |  | $ | 541 |  | $ | 6,757 |  | $ | 6,121 |  | $ | —
Impaired accruing TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 51 |  | $ | 51 |  | $ | — |  | $ | — |  | $ | 291 |  | $ | 1,634 |  | $ | 13
Residential real estate |  |  | 4,454 |  |  | 1,440 |  |  | 3,014 |  |  | 183 |  |  | 4,839 |  |  | 4,565 |  |  | 46
Commercial real estate |  |  | 4,158 |  |  | 1,286 |  |  | 2,872 |  |  | 37 |  |  | 4,541 |  |  | 4,596 |  |  | 41
Commercial |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 8,663 |  | $ | 2,777 |  | $ | 5,886 |  | $ | 220 |  | $ | 9,671 |  | $ | 10,795 |  | $ | 100
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 3,270 |  | $ | 178 |  | $ | 2,715 |  | $ | 320 |  | $ | 3,273 |  | $ | 4,621 |  | $ | 13
Residential real estate |  |  | 8,735 |  |  | 4,045 |  |  | 4,508 |  |  | 301 |  |  | 6,429 |  |  | 6,069 |  |  | 46
Commercial real estate |  |  | 14,187 |  |  | 10,593 |  |  | 2,939 |  |  | 104 |  |  | 6,394 |  |  | 5,882 |  |  | 41
Commercial |  |  | 445 |  |  | — |  |  | 340 |  |  | 36 |  |  | 332 |  |  | 344 |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 26,637 |  | $ | 14,816 |  | $ | 10,502 |  | $ | 761 |  | $ | 16,428 |  | $ | 16,916 |  | $ | 100
Troubled Debt Restructurings on Financing Receivables |
|  | 1/1/2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/30/2019 |  |  |
|  | 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, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Accruing TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 51 |  | $ | — |  | $ | (6) |  | $ | — |  | $ | — |  | $ | — |  | $ | 45 |  | $ | —
Residential real estate |  |  | 4,454 |  |  | — |  |  | (45) |  |  | — |  |  | — |  |  | (197) |  |  | 4,212 |  |  | 230
Commercial real estate |  |  | 4,158 |  |  | — |  |  | (647) |  |  | — |  |  | — |  |  | — |  |  | 3,511 |  |  | 25
Commercial |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 8,663 |  | $ | — |  | $ | (698) |  | $ | — |  | $ | — |  | $ | (197) |  | $ | 7,768 |  | $ | 255
Nonaccrual TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 2,798 |  | $ | — |  | $ | (1,346) |  | $ | (3) |  | $ | — |  | $ | — |  | $ | 1,449 |  | $ | 152
Residential real estate |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Commercial real estate |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Commercial |  |  | 320 |  |  | — |  |  | (9) |  |  | — |  |  | — |  |  | — |  |  | 311 |  |  | 7
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 3,118 |  | $ | — |  | $ | (1,355) |  | $ | (3) |  | $ | — |  | $ | — |  | $ | 1,760 |  | $ | 159
Total |  | $ | 11,781 |  | $ | — |  | $ | (2,053) |  | $ | (3) |  | $ | — |  | $ | (197) |  | $ | 9,528 |  | $ | 414
|  | 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
Troubled Debt Restructurings That Defaulted On Financing Receivables |
|  | Number of |  | Recorded |  | Related
(Dollars in thousands) |  | contracts |  | investment |  | allowance
TDRs that subsequently defaulted: |  |  |  |  |  |  |  |
For six months ended |  |  |  |  |  |  |  |
June 30, 2019 |  |  |  |  |  |  |  |
Construction |  | — |  | $ | — |  | $ | —
Residential real estate |  | — |  |  | — |  |  | —
Commercial real estate |  | — |  |  | — |  |  | —
Commercial |  | — |  |  | — |  |  | —
Consumer |  | — |  |  | — |  |  | —
Total |  | — |  | $ | — |  | $ | —
For six months ended |  |  |  |  |  |  |  |
June 30, 2018 |  |  |  |  |  |  |  |
Construction |  | 1 |  | $ | 379 |  | $ | —
Residential real estate |  | 1 |  |  | 154 |  |  | —
Commercial real estate |  | — |  |  | — |  |  | —
Commercial |  | — |  |  | — |  |  | —
Consumer |  | — |  |  | — |  |  | —
Total |  | 2 |  | $ | 533 |  | $ | —
Financing Receivable Credit Quality Indicators |
|  |  |  |  |  |  |  | Special |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Pass/Performing |  | Pass/Watch |  | Mention |  | Substandard |  | Doubtful |  | Total
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 104,892 |  | $ | 25,633 |  | $ | 2,153 |  | $ | 1,467 |  | $ | — |  | $ | 134,145
Residential real estate |  |  | 390,307 |  |  | 32,098 |  |  | 3,878 |  |  | 3,737 |  |  | — |  |  | 430,020
Commercial real estate |  |  | 426,909 |  |  | 111,664 |  |  | 5,749 |  |  | 15,246 |  |  | — |  |  | 559,568
Commercial |  |  | 88,611 |  |  | 19,335 |  |  | 324 |  |  | 345 |  |  | — |  |  | 108,615
Consumer |  |  | 7,528 |  |  | 416 |  |  | — |  |  | 3 |  |  | — |  |  | 7,947
Total |  | $ | 1,018,247 |  | $ | 189,146 |  | $ | 12,104 |  | $ | 20,798 |  | $ | — |  | $ | 1,240,295
|  |  |  |  |  |  |  | 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 |
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 132,478 |  | $ | — |  | $ | 218 |  | $ | — |  | $ | 218 |  | $ | 1,449 |  | $ | 134,145 |
Residential real estate |  |  | 423,119 |  |  | 3,088 |  |  | 1,112 |  |  | 152 |  |  | 4,352 |  |  | 2,549 |  |  | 430,020 |
Commercial real estate |  |  | 545,125 |  |  | 1,657 |  |  | 2,225 |  |  | 278 |  |  | 4,160 |  |  | 10,283 |  |  | 559,568 |
Commercial |  |  | 107,534 |  |  | 471 |  |  | 290 |  |  | 9 |  |  | 770 |  |  | 311 |  |  | 108,615 |
Consumer |  |  | 7,925 |  |  | 1 |  |  | 21 |  |  | — |  |  | 22 |  |  | — |  |  | 7,947 |
Total |  | $ | 1,216,181 |  | $ | 5,217 |  | $ | 3,866 |  | $ | 439 |  | $ | 9,522 |  | $ | 14,592 |  | $ | 1,240,295 |
Percent of total loans |  |  | 98.1 | % |  | 0.4 | % |  | 0.3 | % |  | — | % |  | 0.7 | % |  | 1.2 | % |  | 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 | % |  | — | % |  | 0.3 | % |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 2,657 |  | $ | 2,433 |  | $ | 3,057 |  | $ | 2,009 |  | $ | 262 |  | $ | 10,418
Charge-offs |  |  | (3) |  |  | (300) |  |  | — |  |  | (81) |  |  | (23) |  |  | (407)
Recoveries |  |  | 4 |  |  | 3 |  |  | 8 |  |  | 77 |  |  | 2 |  |  | 94
Net charge-offs |  |  | 1 |  |  | (297) |  |  | 8 |  |  | (4) |  |  | (21) |  |  | (313)
Provision |  |  | (215) |  |  | 19 |  |  | 302 |  |  | 52 |  |  | 42 |  |  | 200
Ending Balance |  | $ | 2,443 |  | $ | 2,155 |  | $ | 3,367 |  | $ | 2,057 |  | $ | 283 |  | $ | 10,305
|  |  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | 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 |  | Total
For six months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 2,662 |  | $ | 2,353 |  | $ | 3,077 |  | $ | 1,949 |  | $ | 302 |  | $ | 10,343
Charge-offs |  |  | (3) |  |  | (423) |  |  | — |  |  | (162) |  |  | (29) |  |  | (617)
Recoveries |  |  | 7 |  |  | 11 |  |  | 107 |  |  | 152 |  |  | 2 |  |  | 279
Net charge-offs |  |  | 4 |  |  | (412) |  |  | 107 |  |  | (10) |  |  | (27) |  |  | (338)
Provision |  |  | (223) |  |  | 214 |  |  | 183 |  |  | 118 |  |  | 8 |  |  | 300
Ending Balance |  | $ | 2,443 |  | $ | 2,155 |  | $ | 3,367 |  | $ | 2,057 |  | $ | 283 |  | $ | 10,305
|  |  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | 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

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