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Loans, net and allowance for loan losses (Tables)

3 Months Ended

Mar. 31, 2016

Loans, net and allowance for loan losses

Major Classifications of Loans Outstanding

			March 31, 2016			December 31, 2015
Commercial		$	395,407		$	365,767
Real estate:
Commercial			598,875			567,277
Residential			301,686			306,218
Consumer			113,723			101,603
Total		$	1,409,691		$	1,340,865

Changes in Allowance for Loan Losses Account and Related Loans by Major Classification of Loans

The changes in the allowance for loan losses account by major classification of loan for the three months ended March 31, 2016 and 2015 are summarized as follows:

					Real estate
March 31, 2016		Commercial			Commercial			Residential			Consumer			Unallocated					Total
Allowance for loan losses:
Beginning Balance		$	3,042		$	4,245		$	4,082		$	1,583		$	23			$		12,975
Charge-offs			(3)			(55)						(65)								(123)
Recoveries			2			16			25			63								106
Provisions			281			410			252			65			192					1,200
Ending balance		$	3,322		$	4,616		$	4,359		$	1,646		$	215			$		14,158
					Real estate
March 31, 2015		Commercial			Commercial			Residential			Consumer			Unallocated					Total
Allowance for loan losses:
Beginning Balance		$	2,321		$	3,037		$	3,690		$	1,290		$					$	10,338
Charge-offs			(37)			(49)			(199)			(80)								(365)
Recoveries			61			1			5			13								80
Provisions			75			98			413			164								750
Ending balance		$	2,420		$	3,087		$	3,909		$	1,387		$					$	10,803

The allocation of the allowance for loan losses and the related loans by major classifications of loans at March 31, 2016 and December 31, 2015 is summarized as follows:

					Real estate
March 31, 2016		Commercial			Commercial			Residential			Consumer			Unallocated			Total
Allowance for loan losses:
Ending balance		$	3,322		$	4,616		$	4,359		$	1,646		$	215		$	14,158
Ending balance: individually evaluated for impairment			1,040			434			533			89						2,096
Ending balance: collectively evaluated for impairment			2,282			4,075			3,826			1,557			215			11,955
Ending balance: loans acquired with deteriorated credit quality		$			$	107		$			$			$			$	107
Loans receivable:
Ending balance		$	395,407		$	598,875		$	301,686		$	113,723		$			$	1,409,691
Ending balance: individually evaluated for impairment			1,399			4,827			3,162			178						9,566
Ending balance: collectively evaluated for impairment			393,093			592,685			298,478			113,545						1,397,801
Ending balance: loans acquired with deteriorated credit quality		$	915		$	1,363		$	46		$			$			$	2,324

					Real estate
December 31, 2015		Commercial			Commercial			Residential			Consumer			Unallocated			Total
Allowance for loan losses:
Ending balance		$	3,042		$	4,245		$	4,082		$	1,583		$	23		$	12,975
Ending balance: individually evaluated for impairment			759			126			1,138			117						2,140
Ending balance: collectively evaluated for impairment			2,283			4,012			2,944			1,466			23			10,728
Ending balance: loans acquired with deteriorated credit quality		$			$	107		$			$			$			$	107
Loans receivable:
Ending balance		$	365,767		$	567,277		$	306,218		$	101,603		$			$	1,340,865
Ending balance: individually evaluated for impairment			1,196			4,006			4,917			148						10,267
Ending balance: collectively evaluated for impairment			363,620			561,903			301,252			101,455						1,328,230
Ending balance: loans acquired with deteriorated credit quality		$	951		$	1,368		$	49		$			$			$	2,368

Major Classification of Loans Portfolio Summarized by Credit Quality

					Special
March 31, 2016		Pass			Mention			Substandard			Doubtful			Total
Commercial		$	388,364		$	3,564		$	3,479		$			$	395,407
Real estate:
Commercial			559,346			20,401			19,128						598,875
Residential			293,467			1,775			6,444						301,686
Consumer			113,577						146						113,723
Total		$	1,354,754		$	25,740		$	29,197		$			$	1,409,691

					Special
December 31, 2015		Pass			Mention			Substandard			Doubtful			Total
Commercial		$	357,894		$	3,566		$	4,307		$			$	365,767
Real estate:
Commercial			538,130			10,150			18,997						567,277
Residential			296,587			983			8,648						306,218
Consumer			101,486						117						101,603
Total		$	1,294,097		$	14,699		$	32,069		$			$	1,340,865

Information Concerning Nonaccrual Loans by Major Loan Classification

			March 31, 2016			December 31, 2015
Commercial		$	1,813		$	1,632
Real estate:
Commercial			4,683			3,859
Residential			2,977			4,732
Consumer			178			148
Total		$	9,651		$	10,371

Major Classifications of Loans by Past Due Status

								Greater												Loans > 90
		30-59 Days			60-89 Days			than 90			Total Past									Days and
March 31, 2016		Past Due			Past Due			Days			Due			Current			Total Loans			Accruing
Commercial		$	383		$	56		$	1,813		$	2,252		$	393,155		$	395,407
Real estate:
Commercial			2,837			381			4,683			7,901			590,974			598,875
Residential			5,472			191			3,680			9,343			292,343			301,686		$	703
Consumer			921			234			452			1,607			112,116			113,723			274
Total		$	9,613		$	862		$	10,628		$	21,103		$	1,388,588		$	1,409,691		$	977

								Greater												Loans > 90
		30-59 Days			60-89 Days			than 90			Total Past									Days and
December 31, 2015		Past Due			Past Due			Days			Due			Current			Total Loans			Accruing
Commercial		$	126		$			$	1,632		$	1,758		$	364,009		$	365,767
Real estate:
Commercial			1,364			165			3,859			5,388			561,889			567,277
Residential			3,891			1,067			5,257			10,215			296,003			306,218		$	525
Consumer			705			353			386			1,444			100,159			101,603			238
Total		$	6,086		$	1,585		$	11,134		$	18,805		$	1,322,060		$	1,340,865		$	763

Summarize Information in Concerning to Impaired Loans

											For the Quarter Ended
					Unpaid						Average			Interest
		Recorded			Principal			Related			Recorded			Income
March 31, 2016		Investment			Balance			Allowance			Investment			Recognized
With no related allowance:
Commercial		$	1,173		$	2,383					$	1,263		$	17
Real estate:
Commercial			3,162			3,832						2,947			32
Residential			2,216			2,399						2,632			1
Consumer			89			89						60
Total			6,640			8,703						6,902			50
With an allowance recorded:
Commercial			1,141			1,141		$	1,040			968
Real estate:
Commercial			3,028			3,028			541			2,836
Residential			992			992			533			1,455			2
Consumer			89			89			89			103
Total			5,250			5,250			2,203			5,362			2
Commercial			2,314			3,524			1,040			2,231			17
Real estate:
Commercial			6,190			6,860			541			5,783			32
Residential			3,208			3,391			533			4,087			3
Consumer			178			178			89			163
Total		$	11,890		$	13,953		$	2,203		$	12,264		$	52

											For the Year Ended
					Unpaid						Average			Interest
		Recorded			Principal			Related			Recorded			Income
December 31, 2015		Investment			Balance			Allowance			Investment			Recognized
With no related allowance:
Commercial		$	1,352		$	2,720					$	1,848		$	87
Real estate:
Commercial			2,731			3,408						2,394			95
Residential			3,048			3,231						2,664			4
Consumer			31			31						17
Total			7,162			9,390						6,923			186
With an allowance recorded:
Commercial			795			795		$	759			1,680			40
Real estate:
Commercial			2,643			2,643			233			4,155			86
Residential			1,918			1,918			1,138			1,776			30
Consumer			117			117			117			126
Total			5,473			5,473			2,247			7,737			156
Commercial			2,147			3,515			759			3,528			127
Real estate:
Commercial			5,374			6,051			233			6,549			181
Residential			4,966			5,149			1,138			4,440			34
Consumer			148			148			117			143
Total		$	12,635		$	14,863		$	2,247		$	14,660		$	342

											For the Quarter Ended
					Unpaid						Average			Interest
		Recorded			Principal			Related			Recorded			Income
March 31, 2015		Investment			Balance			Allowance			Investment			Recognized
With no related allowance:
Commercial		$	2,319		$	3,900					$	2,349		$	20
Real estate:
Commercial			2,198			2,936						2,565			19
Residential			2,272			2,456						2,472			1
Consumer			11			11						47
Total			6,800			9,303						7,433			40
With an allowance recorded:
Commercial			1,625			1,625		$	1,466			1,597		$	14
Real estate:
Commercial			3,939			3,939			732			3,732			17
Residential			1,639			1,639			843			1,513			10
Consumer			90			90			90			67
Total			7,293			7,293			3,131			6,909			41
Commercial			3,944			5,525			1,466			3,946			34
Real estate:
Commercial			6,137			6,875			732			6,297			36
Residential			3,911			4,095			843			3,985			11
Consumer			101			101			90			114
Total		$	14,093		$	16,596		$	3,131		$	14,342		$	81

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- Definition

Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

+ References

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-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 55
-Paragraph 19
-URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525

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Tabular disclosure of impaired financing receivables.

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-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
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Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
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Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

+ References

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Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.

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