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Loans (Tables) | 12 Months Ended
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Dec. 31, 2018
Receivables [Abstract] |
Summary of Loan Categories | A summary of loan categories is as follows:
|  | December 31,
(In thousands) |  | 2018 |  | 2017
Commercial and industrial |  | $ | 277,091 |  | $ | 236,394
Real estate |  |  |  |  |  |
Commercial: |  |  |  |  |  |
Mortgage |  |  | 95,605 |  |  | 94,675
Construction |  |  | 11,858 |  |  | 9,359
Faith-based: |  |  |  |  |  |
Mortgage |  |  | 316,147 |  |  | 316,073
Construction |  |  | 20,576 |  |  | 25,948
Industrial Revenue Bonds |  |  | — |  |  | 3,374
Other |  |  | 310 |  |  | 408
Total loans |  | $ | 721,587 |  | $ | 686,231
Schedule of the Aging Loans by Loan Categories | The following table presents the aging of loans by loan categories at December 31, 2018:
|  | Performing |  | Nonperforming |  |  |
|  |  |  |  |  |  |  |  |  |  | 90 Days |  |  |  |  |  |
|  |  |  |  | 30-59 |  | 60-89 |  | and |  | Non- |  | Total
(In thousands) |  | Current |  | Days |  | Days |  | Over |  | accrual |  | Loans
Commercial and industrial |  | $ | 277,091 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 277,091
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 95,605 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 95,605
Construction |  |  | 11,858 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 11,858
Faith-based: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 316,147 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 316,147
Construction |  |  | 20,576 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 20,576
Industrial Revenue Bonds |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Other |  |  | 310 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 310
Total |  | $ | 721,587 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 721,587
The following table presents the aging of loans by loan categories at December 31, 2017:
|  | Performing |  | Nonperforming |  |  |
|  |  |  |  |  |  |  |  |  |  | 90 Days |  |  |  |  |  |
|  |  |  |  | 30-59 |  | 60-89 |  | and |  | Non- |  | Total
(In thousands) |  | Current |  | Days |  | Days |  | Over |  | accrual |  | Loans
Commercial and industrial |  | $ | 236,394 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 236,394
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 94,675 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 94,675
Construction |  |  | 9,359 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 9,359
Faith-based: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 316,073 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 316,073
Construction |  |  | 25,948 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 25,948
Industrial Revenue Bonds |  |  | 3,374 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,374
Other |  |  | 408 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 408
Total |  | $ | 686,231 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 686,231
Schedule of Credit Exposure of the Loan Portfolio | The following table presents the credit exposure of the loan portfolio by internally assigned credit grade as of December 31, 2018:
|  | Loans |  | Performing |  | Nonperforming |  |  |
|  | Subject to |  | Loans Subject to |  | Loans Subject |  |  |
|  | Normal |  | Special |  | to Special |  |  |
(In thousands) |  | Monitoring(1) |  | Monitoring(2) |  | Monitoring(2) |  | Total Loans
Commercial and industrial |  | $ | 275,308 |  | $ | 1,783 |  | $ | — |  | $ | 277,091
Real estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 95,447 |  |  | 158 |  |  | — |  |  | 95,605
Construction |  |  | 11,858 |  |  | — |  |  | — |  |  | 11,858
Faith-based: |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 314,940 |  |  | 1,207 |  |  | — |  |  | 316,147
Construction |  |  | 20,576 |  |  | — |  |  | — |  |  | 20,576
Industrial Revenue Bonds |  |  | — |  |  | — |  |  | — |  |  | —
Other |  |  | 310 |  |  | — |  |  | — |  |  | 310
Total |  | $ | 718,439 |  | $ | 3,148 |  | $ | — |  | $ | 721,587
(1) | Loans subject to normal monitoring involve borrowers of acceptable-to-strong credit quality and risk, who have the apparent ability to satisfy their loan obligation.
(2) | Loans subject to special monitoring possess some credit deficiency or potential weakness which requires a high level of management attention.
The following table presents the credit exposure of the loan portfolio by internally assigned credit grade as of December 31, 2017:
|  | Loans |  | Performing |  | Nonperforming |  |  |
|  | Subject to |  | Loans Subject to |  | Loans Subject |  |  |
|  | Normal |  | Special |  | to Special |  |  |
(In thousands) |  | Monitoring(1) |  | Monitoring(2) |  | Monitoring(2) |  | Total Loans
Commercial and industrial |  | $ | 234,271 |  | $ | 2,123 |  | $ | — |  | $ | 236,394
Real estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 93,788 |  |  | 887 |  |  | — |  |  | 94,675
Construction |  |  | 9,359 |  |  | — |  |  | — |  |  | 9,359
Faith-based: |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 316,042 |  |  | 31 |  |  | — |  |  | 316,073
Construction |  |  | 25,948 |  |  | — |  |  | — |  |  | 25,948
Industrial Revenue Bonds |  |  | 3,374 |  |  | — |  |  | — |  |  | 3,374
Other |  |  | 408 |  |  | — |  |  | — |  |  | 408
Total |  | $ | 683,190 |  | $ | 3,041 |  | $ | — |  | $ | 686,231
(1) | Loans subject to normal monitoring involve borrowers of acceptable-to-strong credit quality and risk, who have the apparent ability to satisfy their loan obligation.
(2) | Loans subject to special monitoring possess some credit deficiency or potential weakness which requires a high level of management attention.
Summary of the Allowance for Loan Losses | A summary of the activity in the allowance for loan losses for the period ended December 31, 2018 is as follows:
|  | December 31, |  | Charge- |  |  |  |  |  |  |  |  | December 31,
(In thousands) |  | 2017 |  | Offs |  | Recoveries |  | Provision |  | 2018
Commercial and industrial |  | $ | 3,652 |  | $ | — |  | $ | 20 |  | $ | 507 |  |  | $ | 4,179
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 1,394 |  |  | — |  |  | — |  |  | 23 |  |  |  | 1,417
Construction |  |  | 70 |  |  | — |  |  | — |  |  | 19 |  |  |  | 89
Faith-based: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 3,962 |  |  | — |  |  | — |  |  | (1 | ) |  |  | 3,961
Construction |  |  | 196 |  |  | — |  |  | — |  |  | (41 | ) |  |  | 155
Industrial Revenue Bond |  |  | 52 |  |  | — |  |  | — |  |  | (52 | ) |  |  | —
Other |  |  | 879 |  |  | — |  |  | — |  |  | (455 | ) |  |  | 424
Total |  | $ | 10,205 |  | $ | — |  | $ | 20 |  | $ | — |  |  | $ | 10,225
A summary of the activity in the allowance for loan losses for the period ended December 31, 2017 is as follows:
|  | December 31, |  | Charge- |  |  |  |  |  |  |  |  | December 31,
(In thousands) |  | 2016 |  | Offs |  | Recoveries |  | Provision |  | 2017
Commercial and industrial |  | $ | 3,261 |  | $ | — |  | $ | 30 |  | $ | 361 |  |  | $ | 3,652
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 1,662 |  |  | — |  |  | — |  |  | (268 | ) |  |  | 1,394
Construction |  |  | 47 |  |  | — |  |  | — |  |  | 23 |  |  |  | 70
Faith-based: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 4,027 |  |  | — |  |  | — |  |  | (65 | ) |  |  | 3,962
Construction |  |  | 85 |  |  | — |  |  | — |  |  | 111 |  |  |  | 196
Industrial Revenue Bond |  |  | 101 |  |  | — |  |  | — |  |  | (49 | ) |  |  | 52
Other |  |  | 992 |  |  | — |  |  | — |  |  | (113 | ) |  |  | 879
Total |  | $ | 10,175 |  | $ | — |  | $ | 30 |  | $ | — |  |  | $ | 10,205

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