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Loans and Allowance for Credit Losses (Tables) | 12 Months Ended
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Dec. 31, 2019
Receivables [Abstract] |
Schedule of Financing Receivables | The following table provides information about the principal classes of the loan portfolio at December 31, 2019 and 2018.
(Dollars in thousands) |  | 2019 |  | 2018
Construction |  | $ | 99,829 |  | $ | 127,572
Residential real estate |  |  | 442,506 |  |  | 429,560
Commercial real estate |  |  | 586,562 |  |  | 523,427
Commercial |  |  | 102,020 |  |  | 107,522
Consumer |  |  | 17,737 |  |  | 7,274
Total loans |  |  | 1,248,654 |  |  | 1,195,355
Allowance for credit losses |  |  | (10,507) |  |  | (10,343)
Total loans, net |  | $ | 1,238,147 |  | $ | 1,185,012
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, 2019 and 2018.
|  |  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Total
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 41 |  | $ | 7,072 |  | $ | 12,006 |  | $ | 298 |  | $ | — |  | $ | 19,417
Loans collectively evaluated for impairment |  |  | 99,788 |  |  | 435,434 |  |  | 574,556 |  |  | 101,722 |  |  | 17,737 |  |  | 1,229,237
Total loans |  | $ | 99,829 |  | $ | 442,506 |  | $ | 586,562 |  | $ | 102,020 |  | $ | 17,737 |  | $ | 1,248,654
Allowance for credit losses allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | — |  | $ | 395 |  | $ | 580 |  | $ | — |  | $ | — |  | $ | 975
Loans collectively evaluated for impairment |  |  | 1,576 |  |  | 2,106 |  |  | 3,452 |  |  | 1,929 |  |  | 469 |  |  | 9,532
Total allowance |  | $ | 1,576 |  | $ | 2,501 |  | $ | 4,032 |  | $ | 1,929 |  | $ | 469 |  | $ | 10,507
|  |  |  |  | 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 | The following tables provide information on impaired loans and any related allowance by loan class as of December 31, 2019 and 2018. 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 |  |  |  |  | Quarter-to-date |  | Year-to-date |  | Interest
|  | principal |  | with no |  | with an |  | Related |  | average recorded |  | average recorded |  | recorded
(Dollars in thousands) |  | balance |  | allowance |  | allowance |  | allowance |  | investment |  | investment |  | investment
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Impaired nonaccrual loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,076 |  |  | —
Residential real estate |  |  | 2,660 |  |  | 678 |  |  | 1,797 |  |  | 215 |  |  | 2,052 |  |  | 2,691 |  |  | —
Commercial real estate |  |  | 8,242 |  |  | 5,680 |  |  | 2,137 |  |  | 561 |  |  | 8,533 |  |  | 9,421 |  |  | —
Commercial |  |  | 421 |  |  | 298 |  |  | — |  |  | — |  |  | 301 |  |  | 313 |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 11,323 |  | $ | 6,656 |  | $ | 3,934 |  | $ | 776 |  | $ | 10,886 |  | $ | 13,501 |  | $ | —
Impaired accruing TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 41 |  | $ | 41 |  | $ | — |  | $ | — |  | $ | 41 |  | $ | 46 |  | $ | 10
Residential real estate |  |  | 4,041 |  |  | 2,583 |  |  | 1,458 |  |  | 180 |  |  | 4,052 |  |  | 4,157 |  |  | 171
Commercial real estate |  |  | 3,419 |  |  | 2,748 |  |  | 671 |  |  | 19 |  |  | 3,438 |  |  | 3,496 |  |  | 125
Commercial |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 7,501 |  | $ | 5,372 |  | $ | 2,129 |  | $ | 199 |  | $ | 7,531 |  | $ | 7,699 |  | $ | 306
Other Impaired accruing loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | —
Residential real estate |  |  | 556 |  |  | 556 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Commercial real estate |  |  | 770 |  |  | 770 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Commercial |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 1,326 |  | $ | 1,326 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | —
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 41 |  | $ | 41 |  | $ | — |  | $ | — |  | $ | 41 |  | $ | 1,122 |  | $ | 10
Residential real estate |  |  | 7,257 |  |  | 3,817 |  |  | 3,255 |  |  | 395 |  |  | 6,104 |  |  | 6,848 |  |  | 171
Commercial real estate |  |  | 12,431 |  |  | 9,198 |  |  | 2,808 |  |  | 580 |  |  | 11,971 |  |  | 12,917 |  |  | 125
Commercial |  |  | 421 |  |  | 298 |  |  | — |  |  | — |  |  | 301 |  |  | 313 |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 20,150 |  | $ | 13,354 |  | $ | 6,063 |  | $ | 975 |  | $ | 18,417 |  | $ | 21,200 |  | $ | 306
|  |  |  |  | Recorded |  | Recorded |  |  |  |  |
|  | Unpaid |  | investment |  | investment |  |  |  |  | Quarter-to-date |  | Year-to-date |  | Interest
|  | principal |  | with no |  | with an |  | Related |  | average recorded |  | average 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 |  | $ | 2,932 |  | $ | 2,988 |  | $ | —
Residential real estate |  |  | 4,281 |  |  | 2,605 |  |  | 1,494 |  |  | 118 |  |  | 2,820 |  |  | 1,884 |  |  | —
Commercial real estate |  |  | 10,029 |  |  | 9,307 |  |  | 67 |  |  | 67 |  |  | 4,283 |  |  | 2,149 |  |  | —
Commercial |  |  | 445 |  |  | — |  |  | 340 |  |  | 36 |  |  | 329 |  |  | 336 |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 17,974 |  | $ | 12,039 |  | $ | 4,616 |  | $ | 541 |  | $ | 10,364 |  | $ | 7,357 |  | $ | —
Impaired accruing TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 51 |  | $ | 51 |  | $ | — |  | $ | — |  | $ | 52 |  | $ | 866 |  | $ | 35
Residential real estate |  |  | 4,454 |  |  | 1,440 |  |  | 3,014 |  |  | 183 |  |  | 4,585 |  |  | 4,606 |  |  | 125
Commercial real estate |  |  | 4,158 |  |  | 1,286 |  |  | 2,872 |  |  | 37 |  |  | 4,164 |  |  | 4,416 |  |  | 149
Commercial |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 8,663 |  | $ | 2,777 |  | $ | 5,886 |  | $ | 220 |  | $ | 8,801 |  | $ | 9,888 |  | $ | 309
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 3,270 |  | $ | 178 |  | $ | 2,715 |  | $ | 320 |  | $ | 2,984 |  | $ | 3,854 |  | $ | 35
Residential real estate |  |  | 8,735 |  |  | 4,045 |  |  | 4,508 |  |  | 301 |  |  | 7,405 |  |  | 6,490 |  |  | 125
Commercial real estate |  |  | 14,187 |  |  | 10,593 |  |  | 2,939 |  |  | 104 |  |  | 8,447 |  |  | 6,565 |  |  | 149
Commercial |  |  | 445 |  |  | — |  |  | 340 |  |  | 36 |  |  | 329 |  |  | 336 |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 26,637 |  | $ | 14,816 |  | $ | 10,502 |  | $ | 761 |  | $ | 19,165 |  | $ | 17,245 |  | $ | 309
Troubled Debt Restructurings on Financing Receivables | The following tables provide a roll-forward for troubled debt restructurings as of and for the years ended December 31, 2019 and December 31, 2018.
|  | 1/1/2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/31/2019 |  |  |
|  | TDR |  | New |  | Disbursements |  | Charge- |  | Reclassifications/ |  |  |  |  | TDR |  | Related
(Dollars in thousands) |  | Balance |  | TDRs |  | (Payments) |  | offs |  | Transfer In/(Out) |  | Payoffs |  | Balance |  | Allowance
For year ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Accruing TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 51 |  | $ | — |  | $ | (10) |  | $ | — |  | $ | — |  | $ | — |  | $ | 41 |  | $ | —
Residential real estate |  |  | 4,454 |  |  | 41 |  |  | (101) |  |  | — |  |  | — |  |  | (353) |  |  | 4,041 |  |  | 180
Commercial real estate |  |  | 4,158 |  |  | — |  |  | (739) |  |  | — |  |  | — |  |  | — |  |  | 3,419 |  |  | 19
Commercial |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 8,663 |  | $ | 41 |  | $ | (850) |  | $ | — |  | $ | — |  | $ | (353) |  | $ | 7,501 |  | $ | 199
Nonaccrual TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 2,798 |  | $ | — |  | $ | (1,402) |  | $ | (3) |  | $ | (1,393) |  | $ | — |  | $ | — |  | $ | —
Residential real estate |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,393 |  |  | — |  |  | 1,393 |  |  | 113
Commercial real estate |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Commercial |  |  | 320 |  |  | — |  |  | (21) |  |  | — |  |  | — |  |  | — |  |  | 299 |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 3,118 |  | $ | — |  | $ | (1,423) |  | $ | (3) |  | $ | — |  | $ | — |  | $ | 1,692 |  | $ | 113
Total |  | $ | 11,781 |  | $ | 41 |  | $ | (2,273) |  | $ | (3) |  | $ | — |  | $ | (353) |  | $ | 9,193 |  | $ | 312
|  | 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 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
The following tables provide information on loans that were modified and considered TDRs during 2019 and 2018.
|  |  |  | Premodification |  | Postmodification |  |  |
|  |  |  | outstanding |  | outstanding |  |  |
|  | Number of |  | recorded |  | recorded |  | Related
(Dollars in thousands) |  | contracts |  | investment |  | investment |  | allowance
TDRs: |  |  |  |  |  |  |  |  |  |  |
For year ended |  |  |  |  |  |  |  |  |  |  |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |
Construction |  | — |  | $ | — |  | $ | — |  | $ | —
Residential real estate |  | 3 |  |  | 2,310 |  |  | 2,119 |  |  | —
Commercial real estate |  | 1 |  |  | 2,152 |  |  | 1,531 |  |  | —
Commercial |  | — |  |  | — |  |  | — |  |  | —
Consumer |  | — |  |  | — |  |  | — |  |  | —
Total |  | 4 |  | $ | 4,462 |  | $ | 3,650 |  | $ | —
For year ended |  |  |  |  |  |  |  |  |  |  |
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |
Construction |  | — |  | $ | — |  | $ | — |  | $ | —
Residential real estate |  | — |  |  | — |  |  | — |  |  | —
Commercial real estate |  | — |  |  | — |  |  | — |  |  | —
Commercial |  | — |  |  | — |  |  | — |  |  | —
Consumer |  | — |  |  | — |  |  | — |  |  | —
Total |  | — |  | $ | — |  | $ | — |  | $ | —
Troubled Debt Restructurings That Defaulted On Financing Receivables | During the year ended December 31, 2019, there was one new TDR and three previously recorded TDR’s which were modified. The following tables provide information on TDRs that defaulted during 2019 and 2018 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 year ended |  |  |  |  |  |  |  |
December 31, 2019 |  |  |  |  |  |  |  |
Construction |  | — |  | $ | — |  | $ | —
Residential real estate |  | — |  |  | — |  |  | —
Commercial real estate |  | — |  |  | — |  |  | —
Commercial |  | — |  |  | — |  |  | —
Consumer |  | — |  |  | — |  |  | —
Total |  | — |  | $ | — |  | $ | —
For year ended |  |  |  |  |  |  |  |
December 31, 2018 |  |  |  |  |  |  |  |
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, 2019 and 2018.
|  |  |  |  |  |  |  | Special |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Pass/Performing |  | Pass/Watch |  | Mention |  | Substandard |  | Doubtful |  | Total
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 84,357 |  | $ | 13,068 |  | $ | 2,404 |  | $ | — |  | $ | — |  | $ | 99,829
Residential real estate |  |  | 404,500 |  |  | 29,223 |  |  | 5,549 |  |  | 3,234 |  |  | — |  |  | 442,506
Commercial real estate |  |  | 455,388 |  |  | 115,190 |  |  | 4,822 |  |  | 11,162 |  |  | — |  |  | 586,562
Commercial |  |  | 80,816 |  |  | 20,130 |  |  | 746 |  |  | 328 |  |  | — |  |  | 102,020
Consumer |  |  | 17,347 |  |  | 383 |  |  | 2 |  |  | 5 |  |  | — |  |  | 17,737
Total |  | $ | 1,042,408 |  | $ | 177,994 |  | $ | 13,523 |  | $ | 14,729 |  | $ | — |  | $ | 1,248,654
|  |  |  |  |  |  |  | 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 | The following tables provide information on the aging of the loan portfolio as of December 31, 2019 and 2018.
|  | 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, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 99,234 |  | $ | 595 |  | $ | — |  | $ | — |  | $ | 595 |  | $ | — |  | $ | 99,829 |
Residential real estate |  |  | 435,671 |  |  | 3,021 |  |  | 783 |  |  | 556 |  |  | 4,360 |  |  | 2,475 |  |  | 442,506 |
Commercial real estate |  |  | 577,015 |  |  | 743 |  |  | 217 |  |  | 770 |  |  | 1,730 |  |  | 7,817 |  |  | 586,562 |
Commercial |  |  | 101,476 |  |  | 246 |  |  | — |  |  | — |  |  | 246 |  |  | 298 |  |  | 102,020 |
Consumer |  |  | 17,680 |  |  | 57 |  |  | — |  |  | — |  |  | 57 |  |  | — |  |  | 17,737 |
Total |  | $ | 1,231,076 |  | $ | 4,662 |  | $ | 1,000 |  | $ | 1,326 |  | $ | 6,988 |  | $ | 10,590 |  | $ | 1,248,654 |
Percent of total loans |  |  | 98.6 | % |  | 0.4 | % |  | 0.1 | % |  | 0.1 | % |  | 0.6 | % |  | 0.8 | % |  | 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 | The following tables provide a summary of the activity in the allowance for credit losses allocated by loan class for 2019 and 2018. 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 |  | Total
2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 2,662 |  | $ | 2,353 |  | $ | 3,077 |  | $ | 1,949 |  | $ | 302 |  | $ | 10,343
Charge-offs |  |  | (3) |  |  | (646) |  |  | — |  |  | (411) |  |  | (37) |  |  | (1,097)
Recoveries |  |  | 18 |  |  | 27 |  |  | 206 |  |  | 306 |  |  | 4 |  |  | 561
Net charge-offs |  |  | 15 |  |  | (619) |  |  | 206 |  |  | (105) |  |  | (33) |  |  | (536)
Provision |  |  | (1,101) |  |  | 767 |  |  | 749 |  |  | 85 |  |  | 200 |  |  | 700
Ending Balance |  | $ | 1,576 |  | $ | 2,501 |  | $ | 4,032 |  | $ | 1,929 |  | $ | 469 |  | $ | 10,507
|  |  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Total
2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 2,460 |  | $ | 2,284 |  | $ | 2,594 |  | $ | 2,241 |  | $ | 202 |  | $ | 9,781
Charge-offs |  |  | (397) |  |  | (406) |  |  | (240) |  |  | (441) |  |  | (27) |  |  | (1,511)
Recoveries |  |  | 43 |  |  | 112 |  |  | 29 |  |  | 203 |  |  | 12 |  |  | 399
Net charge-offs |  |  | (354) |  |  | (294) |  |  | (211) |  |  | (238) |  |  | (15) |  |  | (1,112)
Provision |  |  | 556 |  |  | 363 |  |  | 694 |  |  | (54) |  |  | 115 |  |  | 1,674
Ending Balance |  | $ | 2,662 |  | $ | 2,353 |  | $ | 3,077 |  | $ | 1,949 |  | $ | 302 |  | $ | 10,343

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