v3.19.1

Loans Receivable (Tables)

12 Months Ended

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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