v3.19.1

Loans Receivable (Tables) | 12 Months Ended
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Dec. 31, 2018
Receivables [Abstract] |
Schedule of Loans Receivable | Major categories of loans are as follows:
Loan Categories |  |
|  | For the Years Ended December 31,
(in thousands) |  | 2018 |  | 2017
Real estate: |  |  |  |
Residential |  | $ | 407,844 |  |  | $ | 342,684 |
Commercial |  | 278,691 |  |  | 259,853 |
Construction |  | 157,586 |  |  | 144,932 |
Commercial |  | 122,264 |  |  | 108,982 |
Credit card |  | 34,673 |  |  | 31,507 |
Other consumer |  | 1,202 |  |  | 1,053 |
|  | 1,002,260 |  |  | 889,011 |
Deferred origination fees, net |  | (1,992 | ) |  | (1,591 | )
Allowance for loan losses |  | (11,308 | ) |  | (10,033 | )
Loans receivable, net |  | $ | 988,960 |  |  | $ | 877,387 |
Schedule Of Activity In Accretable Discounts On Loans Acquired | The activity in the accretable discounts on loans acquired was as follows:
Accretable Discounts on Loans Acquired |  |
|  | For the Years Ended December 31,
(in thousands) |  | 2018 |  | 2017
Accretable discount at beginning of period |  | $ | 543 |  |  | $ | 676 |
Less: Accretion and payoff of loans |  | (105 | ) |  | (133 | )
Accretable discount at end of period |  | $ | 438 |  |  | $ | 543 |
Allowance for Credit Losses on Loans Receivables |
Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |  |  |  |  |
(in thousands) |  |  |  | Provision for Loan Losses |  |  |  |  |  |  |  | Allowance for Loan Losses Ending Balance Evaluated for Impairment: |  | Outstanding Loan Balances Evaluated for Impairment:
December 31, 2018 |  | Beginning Balance |  |  | Charge-Offs |  | Recoveries |  | Ending Balance |  | Individually |  | Collectively |  | Individually |  | Collectively
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 3,137 |  |  | $ | 522 |  |  | $ | (121 | ) |  | $ | 3 |  |  | $ | 3,541 |  |  | $ | — |  |  | $ | 3,541 |  |  | $ | 2,120 |  |  | $ | 405,724 |
Commercial |  | 2,860 |  |  | 13 |  |  | (22 | ) |  | 152 |  |  | 3,003 |  |  | — |  |  | 3,003 |  |  | 1,486 |  |  | 277,205 |
Construction |  | 1,646 |  |  | 447 |  |  | — |  |  | — |  |  | 2,093 |  |  | — |  |  | 2,093 |  |  | — |  |  | 157,586 |
Commercial |  | 1,497 |  |  | 194 |  |  | (147 | ) |  | 34 |  |  | 1,578 |  |  | 262 |  |  | 1,316 |  |  | 749 |  |  | 121,515 |
Credit card |  | 885 |  |  | 963 |  |  | (806 | ) |  | 42 |  |  | 1,084 |  |  | — |  |  | 1,084 |  |  | — |  |  | 34,673 |
Other consumer |  | 8 |  |  | 1 |  |  | — |  |  | — |  |  | 9 |  |  | — |  |  | 9 |  |  | — |  |  | 1,202 |
|  | $ | 10,033 |  |  | $ | 2,140 |  |  | $ | (1,096 | ) |  | $ | 231 |  |  | $ | 11,308 |  |  | $ | 262 |  |  | $ | 11,046 |  |  | $ | 4,355 |  |  | $ | 997,905 |
December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 2,664 |  |  | $ | 664 |  |  | $ | (191 | ) |  | $ | — |  |  | $ | 3,137 |  |  | $ | — |  |  | $ | 3,137 |  |  | $ | 1,766 |  |  | $ | 340,918 |
Commercial |  | 2,682 |  |  | 375 |  |  | (312 | ) |  | 115 |  |  | 2,860 |  |  | — |  |  | 2,860 |  |  | 4,293 |  |  | 255,560 |
Construction |  | 1,591 |  |  | 55 |  |  | — |  |  | — |  |  | 1,646 |  |  | — |  |  | 1,646 |  |  | 627 |  |  | 144,305 |
Commercial |  | 1,174 |  |  | 345 |  |  | (25 | ) |  | 3 |  |  | 1,497 |  |  | 60 |  |  | 1,437 |  |  | 1,544 |  |  | 107,438 |
Credit card |  | 477 |  |  | 1,217 |  |  | (1,124 | ) |  | 315 |  |  | 885 |  |  | — |  |  | 885 |  |  | — |  |  | 31,507 |
Other consumer |  | 9 |  |  | (1 | ) |  | — |  |  | — |  |  | 8 |  |  | — |  |  | 8 |  |  | — |  |  | 1,053 |
|  | $ | 8,597 |  |  | $ | 2,655 |  |  | $ | (1,652 | ) |  | $ | 433 |  |  | $ | 10,033 |  |  | $ | 60 |  |  | $ | 9,973 |  |  | $ | 8,230 |  |  | $ | 880,781 |
Past Due Loans Receivables | Past due loans, segregated by age and class of loans, as of December 31, 2018 and 2017 were as follows:
Loans Past Due |  | Loans 30-89 Days Past Due |  | Loans 90 or More Days Past Due |  | Total Past Due Loans |  | Current Loans |  | Total Loans |  | Accruing Loans 90 or More days Past Due |  | Nonaccrual Loans
(in thousands) |  |  |  |  |  |  |
December 31, 2018 |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 1,070 |  |  | $ | 2,081 |  |  | $ | 3,151 |  |  | $ | 404,693 |  |  | $ | 407,844 |  |  | $ | 235 |  |  | $ | 2,207 |
Commercial |  | 1,746 |  |  | 1,431 |  |  | 3,177 |  |  | 275,514 |  |  | 278,691 |  |  | — |  |  | 1,486 |
Construction |  | — |  |  | — |  |  | — |  |  | 157,586 |  |  | 157,586 |  |  | — |  |  | — |
Commercial |  | 612 |  |  | 398 |  |  | 1,010 |  |  | 121,254 |  |  | 122,264 |  |  | — |  |  | 749 |
Credit card |  | 3,771 |  |  | 2 |  |  | 3,773 |  |  | 30,900 |  |  | 34,673 |  |  | 2 |  |  | — |
Other consumer |  | — |  |  | — |  |  | — |  |  | 1,202 |  |  | 1,202 |  |  | — |  |  | — |
|  | $ | 7,199 |  |  | $ | 3,912 |  |  | $ | 11,111 |  |  | $ | 991,149 |  |  | $ | 1,002,260 |  |  | $ | 237 |  |  | $ | 4,442 |
Acquired loans included above |  | $ | 521 |  |  | $ | 488 |  |  | $ | 1,009 |  |  | $ | 7,275 |  |  | $ | 8,284 |  |  | $ | 235 |  |  | $ | 582 |
December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 8,311 |  |  | $ | 968 |  |  | $ | 9,279 |  |  | $ | 333,405 |  |  | $ | 342,684 |  |  | $ | — |  |  | $ | 1,828 |
Commercial |  | 128 |  |  | 333 |  |  | 461 |  |  | 259,392 |  |  | 259,853 |  |  | — |  |  | 1,648 |
Construction |  | — |  |  | 280 |  |  | 280 |  |  | 144,652 |  |  | 144,932 |  |  | 280 |  |  | 499 |
Commercial |  | 1,219 |  |  | 911 |  |  | 2,130 |  |  | 106,852 |  |  | 108,982 |  |  | — |  |  | 1,067 |
Credit card |  | 2,982 |  |  | 85 |  |  | 3,067 |  |  | 28,440 |  |  | 31,507 |  |  | 85 |  |  | — |
Other consumer |  | — |  |  | — |  |  | — |  |  | 1,053 |  |  | 1,053 |  |  | — |  |  | — |
|  | $ | 12,640 |  |  | $ | 2,577 |  |  | $ | 15,217 |  |  | $ | 873,794 |  |  | $ | 889,011 |  |  | $ | 365 |  |  | $ | 5,042 |
Acquired loans included above |  | $ | 208 |  |  | $ | 635 |  |  | $ | 843 |  |  | $ | 9,526 |  |  | $ | 10,368 |  |  | $ | — |  |  | $ | 1,367 |
Impaired Loans Receivables | Impaired loans include loans acquired on which management has recorded a nonaccretable discount. Impaired loans as of December 31, 2018 and 2017 were as follows:
Impaired Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Unpaid contractual principal balance |  | Recorded investment with no allowance |  | Recorded investment with allowance |  | Total recorded investment |  | Related allowance |  | Average recorded investment |  | Interest recognized
(in thousands) |  |  |  |  |  |  |
December 31, 2018 |  |  |  |  |  |  |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 2,411 |  |  | $ | 2,120 |  |  | $ | — |  |  | $ | 2,120 |  |  | $ | — |  |  | $ | 2,564 |  |  | $ | 28 |
Commercial |  | 1,551 |  |  | 1,486 |  |  | — |  |  | 1,486 |  |  | — |  |  | 1,591 |  |  | — |
Construction |  | 32 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 140 |  |  | — |
Commercial |  | 856 |  |  | 363 |  |  | 386 |  |  | 749 |  |  | 262 |  |  | 1,270 |  |  | — |
|  | $ | 4,850 |  |  | $ | 3,969 |  |  | $ | 386 |  |  | $ | 4,355 |  |  | $ | 262 |  |  | $ | 5,565 |  |  | $ | 28 |
Acquired loans included above |  | $ | 775 |  |  | $ | 497 |  |  | $ | — |  |  | $ | 497 |  |  | $ | — |  |  | $ | — |  |  | $ | — |
December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 2,329 |  |  | $ | 1,766 |  |  | $ | — |  |  | $ | 1,766 |  |  | $ | — |  |  | $ | 1,948 |  |  | $ | 30 |
Commercial |  | 4,677 |  |  | 4,293 |  |  | — |  |  | 4,293 |  |  | — |  |  | 4,407 |  |  | 169 |
Construction |  | 659 |  |  | 627 |  |  | — |  |  | 627 |  |  | — |  |  | 880 |  |  | 24 |
Commercial |  | 1,824 |  |  | 1,178 |  |  | 366 |  |  | 1,544 |  |  | 60 |  |  | 1,600 |  |  | 48 |
|  | $ | 9,489 |  |  | $ | 7,864 |  |  | $ | 366 |  |  | $ | 8,230 |  |  | $ | 60 |  |  | $ | 8,835 |  |  | $ | 271 |
Acquired loans included above |  | $ | 2,149 |  |  | $ | 1,366 |  |  | $ | — |  |  | $ | 1,366 |  |  | $ | — |  |  | $ | 1,553 |  |  | $ | 1 |
Loans Receivables Credit Quality Indicators | The following table presents the balances of classified loans based on the risk grade. Classified loans include Special Mention, Substandard, and Doubtful loans:
Loan Classifications |  |  |  |  |  |  |  |  |
(in thousands) | Pass(1) |  | Special Mention |  | Substandard |  | Doubtful |  | Total
December 31, 2018 |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |
Residential | $ | 405,532 |  |  | $ | 118 |  |  | $ | 2,194 |  |  | $ | — |  |  | $ | 407,844 |
Commercial | 274,247 |  |  | 2,958 |  |  | 1,486 |  |  | — |  |  | 278,691 |
Construction | 154,643 |  |  | 843 |  |  | 2,100 |  |  | — |  |  | 157,586 |
Commercial | 117,670 |  |  | 3,844 |  |  | 750 |  |  | — |  |  | 122,264 |
Credit card | 34,673 |  |  | — |  |  | — |  |  | — |  |  | 34,673 |
Other consumer | 1,202 |  |  | — |  |  | — |  |  | — |  |  | 1,202 |
Total | $ | 987,967 |  |  | $ | 7,763 |  |  | $ | 6,530 |  |  | $ | — |  |  | $ | 1,002,260 |
December 31, 2017 |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |
Residential | $ | 340,854 |  |  | $ | — |  |  | $ | 1,830 |  |  | $ | — |  |  | $ | 342,684 |
Commercial | 251,292 |  |  | 6,175 |  |  | 2,386 |  |  | — |  |  | 259,853 |
Construction | 144,433 |  |  | — |  |  | 499 |  |  | — |  |  | 144,932 |
Commercial | 101,868 |  |  | 5,730 |  |  | 1,384 |  |  | — |  |  | 108,982 |
Credit card | 31,507 |  |  | — |  |  | — |  |  | — |  |  | 31,507 |
Other consumer | 1,053 |  |  | — |  |  | — |  |  | — |  |  | 1,053 |
Total | $ | 871,007 |  |  | $ | 11,905 |  |  | $ | 6,099 |  |  | $ | — |  |  | $ | 889,011 |
________________________ (1) Classification includes loans graded exceptional, very good, good, satisfactory and pass/watch
Troubled Debt Restructurings on Loans Receivables | The status of TDRs is as follows:
Troubled Debt Restructurings |  |  |  |  |  |  |  |
|  | Number of Contracts |  | Recorded Investment
(dollars in thousands) |  |  | Performing |  | Nonperforming |  | Total
December 31, 2018 |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |
Residential |  | 3 |  |  | $ | — |  |  | $ | 145 |  |  | $ | 145 |
Commercial |  | 1 |  |  | — |  |  | 139 |  |  | 139 |
Total |  | 4 |  |  | $ | — |  |  | $ | 284 |  |  | $ | 284 |
Acquired loans included above |  | 3 |  |  | $ | — |  |  | $ | 145 |  |  | $ | 145 |
December 31, 2017 |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |
Residential |  | 5 |  |  | $ | — |  |  | $ | 254 |  |  | $ | 254 |
Commercial |  | 1 |  |  | 2,709 |  |  | — |  |  | 2,709 |
Commercial |  | 3 |  |  | 510 |  |  | 338 |  |  | 848 |
Total |  | 9 |  |  | $ | 3,219 |  |  | $ | 592 |  |  | $ | 3,811 |
Acquired loans included above |  | 4 |  |  | $ | — |  |  | $ | 151 |  |  | $ | 151 |
Schedule Of Outstanding Loan Commitments | Outstanding loan commitments were as follows:
Loan Commitments |  |  |  |
|  | For the Years Ended December 31,
(in thousands) |  | 2018 |  | 2017
Unused lines of credit |  |  |  |
Commercial |  | $ | 52,083 |  |  | $ | 46,580 |
Commercial real estate |  | 8,980 |  |  | 7,530 |
Residential real estate |  | 12,853 |  |  | 7,072 |
Home equity |  | 27,243 |  |  | 25,395 |
Secured credit card |  | 29,142 |  |  | 30,161 |
Personal |  | 126 |  |  | 148 |
Construction commitments |  |  |  |
Residential real estate |  | 72,424 |  |  | 56,463 |
Commercial real estate |  | 6,358 |  |  | 7,350 |
|  | $ | 209,209 |  |  | $ | 180,699 |
Commitments to originate residential loans held for sale |  | $ | 647 |  |  | $ | 4,138 |
Letters of credit |  | $ | 6,216 |  |  | $ | 6,759 |
Schedule of Credit Losses for Financing Receivables | The Company maintains a liability account for estimated reserves on off balance sheet items such as unfunded lines of credit. Activity for this accounts is as follows:
Off Balance Sheet Reserves |  |
|  | For the Years Ended December 31,
(in thousands) |  | 2018 |  | 2017
Balance at beginning of period |  | $ | 901 |  |  | $ | 801 |
Add: Provision |  | 152 |  |  | 100 |
Add: Recoveries |  | — |  |  | — |
Less: Charge-offs |  | — |  |  | — |
Balance at end of period |  | $ | 1,053 |  |  | $ | 901 |
The Company maintains a reserve in other liabilities for potential losses on mortgage loans sold. Activity in this reserve is as follows for the periods presented:
Mortgage Loan Put-back Reserve |  |
|  | For the Years Ended December 31,
(in thousands) |  | 2018 |  | 2017
Balance at beginning of period |  | $ | 457 |  |  | $ | 442 |
Add: Provision |  | 106 |  |  | 115 |
Add: Recoveries |  | — |  |  | — |
Less: Charge-offs |  | (62 | ) |  | (100 | )
Balance at end of period |  | $ | 501 |  |  | $ | 457 |

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