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Troubled Debt Restructurings | 9 Months Ended
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Sep. 30, 2018
Debt Disclosure [Abstract] |
Troubled Debt Restructurings | Troubled Debt Restructurings: Total troubled debt restructurings were $5.6 million and $5.0 million at September 30, 2018 and December 31, 2017, respectively. The Company has allocated $87 thousand and $68 thousand of specific reserves to customers whose loan terms have been modified in troubled debt restructurings at September 30, 2018 and December 31, 2017, respectively. There were no commitments to lend additional amounts to borrowers with loans that were classified as troubled debt restructurings at September 30, 2018 and at December 31, 2017. During the three and nine month periods ended September 30, 2018 and 2017, the terms of certain loans were modified as troubled debt restructurings. The modification of the terms of such loans included one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; a reduction of the contractual monthly payment; a deferral of principal and interest; or a legal concession. During the three month period ended September 30, 2018, the terms of such loans included an extension of the maturity date of 84 months. During the same three month period in 2017, the terms of such loans included a reduction of the stated interest rate of the loan of 0.99% and an extension of the maturity date of 120 months. During the nine month period ended September 30, 2018, the terms of such loans included a reduction of the stated interest rate of the loan in the range of 1.75% and 2.50% and extensions of the maturity dates on these and other troubled debt restructurings in the range of 5 to 84 months. During the same nine month period in 2017, the terms of such loans included a reduction of the stated interest rate of the loan in the range of 0.49% and 1.89 % and an extension of the maturity date in the range of 6 to 132 months. The following table presents loans by class modified as troubled debt restructurings that occurred during the three and nine month periods ended September 30, 2018 and 2017:
|  |  |  |  |  | Pre-Modification |  |  | Post-Modification |
Three Months Ended September 30, 2018 |  | Number of |  |  | Outstanding Recorded |  |  | Outstanding Recorded |
(In thousands of Dollars) |  | Loans |  |  | Investment |  |  | Investment |
Originated loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | 1 |  |  | $ | 19 |  |  | $ | 19 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 2 |  |  |  | 87 |  |  |  | 87 |
Home equity lines of credit |  |  | 2 |  |  |  | 34 |  |  |  | 34 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 3 |  |  |  | 8 |  |  |  | 8 |
Other |  |  | 2 |  |  |  | 19 |  |  |  | 19 |
Total originated loans |  |  | 10 |  |  | $ | 167 |  |  | $ | 167 |
Acquired loans: |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 1 |  |  |  | 53 |  |  |  | 53 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Other |  |  | 1 |  |  |  | 3 |  |  |  | 3 |
Total acquired loans |  |  | 2 |  |  | $ | 56 |  |  | $ | 56 |
Total loans |  |  | 12 |  |  | $ | 223 |  |  | $ | 223 |
|  |  |  |  |  | Pre-Modification |  |  | Post-Modification |
Nine Months Ended September 30, 2018 |  | Number of |  |  | Outstanding Recorded |  |  | Outstanding Recorded |
(In Thousands of Dollars) |  | Loans |  |  | Investment |  |  | Investment |
Originated loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | 1 |  |  | $ | 360 |  |  | $ | 360 |
Commercial |  |  | 1 |  |  |  | 19 |  |  |  | 19 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 6 |  |  |  | 341 |  |  |  | 341 |
Home equity lines of credit |  |  | 4 |  |  |  | 48 |  |  |  | 48 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 17 |  |  |  | 97 |  |  |  | 97 |
Other |  |  | 2 |  |  |  | 19 |  |  |  | 19 |
Total originated loans |  |  | 31 |  |  | $ | 884 |  |  | $ | 884 |
Acquired loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  | 1 |  |  |  | 42 |  |  |  | 42 |
Farmland |  |  | 1 |  |  |  | 258 |  |  |  | 258 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 2 |  |  |  | 31 |  |  |  | 31 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 6 |  |  |  | 242 |  |  |  | 242 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Other |  |  | 1 |  |  |  | 3 |  |  |  | 3 |
Total acquired loans |  |  | 11 |  |  | $ | 576 |  |  | $ | 576 |
Total loans |  |  | 42 |  |  | $ | 1,460 |  |  | $ | 1,460 |
|  |  |  |  |  | Pre-Modification |  |  | Post-Modification |
Three Months Ended September 30, 2017 |  | Number of |  |  | Outstanding Recorded |  |  | Outstanding Recorded |
(In thousands of Dollars) |  | Loans |  |  | Investment |  |  | Investment |
Originated loans: |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 3 |  |  | $ | 235 |  |  | $ | 235 |
Home equity lines of credit |  |  | 1 |  |  |  | 61 |  |  |  | 61 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 8 |  |  |  | 51 |  |  |  | 51 |
Total originated loans |  |  | 12 |  |  | $ | 347 |  |  | $ | 347 |
Acquired loans: |  |  |  |  |  |  |  |  |  |  |  |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Other |  |  | 1 |  |  |  | 26 |  |  |  | 26 |
Total loans |  |  | 13 |  |  | $ | 373 |  |  | $ | 373 |
|  |  |  |  |  | Pre-Modification |  |  | Post-Modification |
Nine Months Ended September 30, 2017 |  | Number of |  |  | Outstanding Recorded |  |  | Outstanding Recorded |
(In Thousands of Dollars) |  | Loans |  |  | Investment |  |  | Investment |
Originated loans: |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 10 |  |  | $ | 535 |  |  | $ | 538 |
Home equity lines of credit |  |  | 9 |  |  |  | 225 |  |  |  | 225 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 22 |  |  |  | 131 |  |  |  | 131 |
Total originated loans |  |  | 41 |  |  | $ | 891 |  |  | $ | 894 |
Acquired loans: |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 2 |  |  |  | 24 |  |  |  | 24 |
Home equity lines of credit |  |  | 1 |  |  |  | 57 |  |  |  | 57 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 2 |  |  |  | 55 |  |  |  | 55 |
Total acquired loans |  |  | 5 |  |  | $ | 136 |  |  | $ | 136 |
Total loans |  |  | 46 |  |  | $ | 1,027 |  |  | $ | 1,030 |
There were $27 thousand and $66 thousand in charge offs and a $27 thousand and $66 thousand increase to the provision for loan losses during the three and nine month periods ended September 30, 2018, as a result of outstanding troubled debt restructurings. There were $30 thousand and $60 thousand in charge offs during the three and nine month periods ended September 30, 2017, respectively. There was a $30 thousand and a $60 thousand increase to the provision during the three and nine month period ended September 30, 2017, as a result of troubled debt restructurings. There was one commercial loan and three residential real estate loans for which there was a payment default within twelve months following the modification of the troubled debt restructuring during the three month and nine month period ended September 30, 2018. The one commercial loan was past due at September 30, 2018. There was no provision recorded as a result of the defaults during 2018. A loan is considered to be in payment default once it is 30 days contractually past due under the modified terms. There were no loans for which there was a payment default within twelve months following the modification of the troubled debt restructuring during the three month and nine month periods ended September 30, 2017. A loan is considered to be in payment default once it is 30 days contractually past due under the modified terms.

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