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Loans, net and allowance for loan losses (Tables)

6 Months Ended

Jun. 30, 2017

Loans, net and allowance for loan losses

Schedule of major classifications of loans outstanding

		June 30, 2017			December 31, 2016
Commercial		$	452,180		$	408,814
Real estate:
Commercial			719,652			700,144
Residential			286,232			289,781
Consumer			139,298			134,226
Total		$	1,597,362		$	1,532,965

Schedule of changes in allowance for loan losses account by major classification of loans

The changes in the allowance for loan losses account by major classification of loan for the three and six months ended June 30, 2017 and 2016 are summarized as follows:

					Real estate
June 30, 2017		Commercial			Commercial			Residential			Consumer			Unallocated			Total
Allowance for loan losses:
Beginning Balance April 1, 2017		$	4,129		$	6,291		$	4,978		$	1,571		$			$	16,969
Charge-offs			(32)			(242)			(8)			(149)						(431)
Recoveries			6			22			4			32						64
Provisions			323			516			222			139						1,200
Ending balance		$	4,426		$	6,587		$	5,196		$	1,593		$			$	17,802
					Real estate
June 30, 2016		Commercial			Commercial			Residential			Consumer			Unallocated			Total
Allowance for loan losses:
Beginning Balance April 1, 2016		$	3,322		$	4,616		$	4,359		$	1,646		$	215		$	14,158
Charge-offs			(393)			(48)			(126)			(65)						(632)
Recoveries			34			14			10			15						73
Provisions			300			495			222			83			100			1,200
Ending balance		$	3,263		$	5,077		$	4,465		$	1,679		$	315		$	14,799

					Real estate
June 30, 2017		Commercial			Commercial			Residential			Consumer			Unallocated			Total
Allowance for loan losses:
Beginning Balance January 1, 2017		$	3,799		$	5,847		$	4,707			1,608						15,961
Charge-offs			(32)			(367)			(23)			(320)						(742)
Recoveries			13			55			26			89						183
Provisions			646			1,052			486			216						2,400
Ending balance		$	4,426		$	6,587		$	5,196		$	1,593		$			$	17,802
					Real estate
June 30, 2016		Commercial			Commercial			Residential			Consumer			Unallocated			Total
Allowance for loan losses:
Beginning Balance January 1, 2016		$	3,042		$	4,245		$	4,082		$	1,583		$	23		$	12,975
Charge-offs			(396)			(103)			(126)			(130)						(755)
Recoveries			36			30			35			78						179
Provisions			581			905			474			148			292			2,400
Ending balance		$	3,263		$	5,077		$	4,465		$	1,679		$	315		$	14,799

The allocation of the allowance for loan losses and the related loans by major classifications of loans at June 30, 2017 and December 31, 2016 is summarized as follows:

					Real estate
June 30, 2017		Commercial			Commercial			Residential			Consumer			Unallocated			Total
Allowance for loan losses:
Ending balance		$	4,426		$	6,587		$	5,196		$	1,593		$			$	17,802
Ending balance: individually evaluated for impairment			322			509			461			43						1,335
Ending balance: collectively evaluated for impairment			4,104			6,078			4,735			1,550						16,467
Ending balance: loans acquired with deteriorated credit quality		$			$			$			$			$			$
Loans receivable:
Ending balance		$	452,180		$	719,652		$	286,232		$	139,298		$			$	1,597,362
Ending balance: individually evaluated for impairment			1,944			3,951			3,285			232						9,412
Ending balance: collectively evaluated for impairment			449,868			715,056			282,915			139,066						1,586,905
Ending balance: loans acquired with deteriorated credit quality		$	368		$	645		$	32		$			$			$	1,045

					Real estate
December 31, 2016		Commercial			Commercial			Residential			Consumer			Unallocated			Total
Allowance for loan losses:
Ending balance		$	3,799		$	5,847		$	4,707		$	1,608		$			$	15,961
Ending balance: individually evaluated for impairment			225			1,197			520									1,942
Ending balance: collectively evaluated for impairment			3,574			4,650			4,187			1,608						14,019
Ending balance: loans acquired with deteriorated credit quality		$			$			$			$			$			$
Loans receivable:
Ending balance		$	408,814		$	700,144		$	289,781		$	134,226		$			$	1,532,965
Ending balance: individually evaluated for impairment			1,724			5,820			3,543			155						11,242
Ending balance: collectively evaluated for impairment			406,127			692,987			286,201			134,071						1,519,386
Ending balance: loans acquired with deteriorated credit quality		$	963		$	1,337		$	37		$			$			$	2,337

Schedule of major classification of loans portfolio summarized by credit quality

					Special
June 30, 2017		Pass			Mention			Substandard			Doubtful			Total
Commercial		$	444,700		$	2,976		$	4,504		$			$	452,180
Real estate:
Commercial			698,625			8,590			12,437						719,652
Residential			279,578			143			6,511						286,232
Consumer			139,154						144						139,298
Total		$	1,562,057		$	11,709		$	23,596		$			$	1,597,362

					Special
December 31, 2016		Pass			Mention			Substandard			Doubtful			Total
Commercial		$	398,867		$	6,222		$	3,725		$			$	408,814
Real estate:
Commercial			674,914			10,392			14,838						700,144
Residential			282,737			233			6,811						289,781
Consumer			133,983						243						134,226
Total		$	1,490,501		$	16,847		$	25,617		$			$	1,532,965

Schedule of information concerning nonaccrual loans by major loan classification

		June 30, 2017			December 31, 2016
Commercial		$	1,285		$	934
Real estate:
Commercial			4,115			7,016
Residential			2,645			3,003
Consumer			232			155
Total		$	8,277		$	11,108

Schedule of major classifications of loans by past due status

								Greater												Loans > 90
		30-59 Days			60-89 Days			than 90			Total Past									Days and
June 30, 2017		Past Due			Past Due			Days			Due			Current			Total Loans			Accruing
Commercial		$	501		$	105		$	1,285		$	1,891		$	450,289		$	452,180
Real estate:
Commercial			2,003			71			4,115			6,189			713,463			719,652
Residential			964			474			3,212			4,650			281,582			286,232		$	567
Consumer			964			346			500			1,810			137,488			139,298			268
Total		$	4,432		$	996		$	9,112		$	14,540		$	1,582,822		$	1,597,362		$	835

								Greater												Loans > 90
		30-59 Days			60-89 Days			than 90			Total Past									Days and
December 31, 2016		Past Due			Past Due			Days			Due			Current			Total Loans			Accruing
Commercial		$	249		$	75		$	934		$	1,258		$	407,556		$	408,814
Real estate:
Commercial			4,782			527			7,016			12,325			687,819			700,144
Residential			2,100			354			3,561			6,015			283,766			289,781		$	558
Consumer			962			259			441			1,662			132,564			134,226			286
Total		$	8,093		$	1,215		$	11,952		$	21,260		$	1,511,705		$	1,532,965		$	844

Summarized information concerning impaired loans

											This Quarter						Year-to-Date
					Unpaid						Average			Interest			Average			Interest
		Recorded			Principal			Related			Recorded			Income			Recorded			Income
June 30, 2017		Investment			Balance			Allowance			Investment			Recognized			Investment			Recognized
With no related allowance:
Commercial		$	1,580		$	2,197					$	1,173		$	18		$	1,583		$	35
Real estate:
Commercial			3,058			3,706						3,387			7			3,045			13
Residential			2,083			2,265						2,216			4			2,212			6
Consumer			188			188						186						176
Total			6,909			8,356						6,962			29			7,016			54
With an allowance recorded:
Commercial			732			732		$	321			1,328						979
Real estate:
Commercial			1,538			1,538			509			1,505			3			2,601			7
Residential			1,234			1,234			461			1,139			8			1,218			14
Consumer			44			44			44			34						22
Total			3,548			3,548			1,335			4,006			11			4,820			21
Commercial			2,312			2,929			321			2,501			18			2,562			35
Real estate:
Commercial			4,596			5,244			509			4,892			10			5,646			20
Residential			3,317			3,499			461			3,355			12			3,430			20
Consumer			232			232			44			220						198
Total		$	10,457		$	11,904		$	1,335		$	10,968		$	40		$	11,836		$	75

											For the Year Ended
					Unpaid						Average			Interest
		Recorded			Principal			Related			Recorded			Income
December 31, 2016		Investment			Balance			Allowance			Investment			Recognized
With no related allowance:
Commercial		$	2,404		$	3,213					$	1,461		$	48
Real estate:
Commercial			2,364			3,018						4,300			71
Residential			2,205			2,388						2,133			35
Consumer			155			155						147
Total			7,128			8,774						8,041			154
With an allowance recorded:
Commercial			283			283		$	225			859
Real estate:
Commercial			4,793			4,793			1,197			2,366			2
Residential			1,375			1,376			520			1,185			7
Consumer												50
Total			6,451			6,452			1,942			4,460			9
Commercial			2,687			3,496			225			2,320			48
Real estate:
Commercial			7,157			7,811			1,197			6,666			73
Residential			3,580			3,764			520			3,318			42
Consumer			155			155						197
Total		$	13,579		$	15,226		$	1,942		$	12,501		$	163

											This Quarter						Year-to-Date
					Unpaid						Average			Interest			Average			Interest
		Recorded			Principal			Related			Recorded			Income			Recorded			Income
June 30, 2016		Investment			Balance			Allowance			Investment			Recognized			Investment			Recognized
With no related allowance:
Commercial		$	1,296		$	2,378					$	1,235		$	14		$	1,249			30
Real estate:
Commercial			5,517			6,181						4,340			30			3,643			61
Residential			1,941			2,124						2,079			3			2,355			11
Consumer			157			157						123						92
Total			8,911			10,840						7,777			47			7,339			102
With an allowance recorded:
Commercial			615			615		$	615			878						923		$
Real estate:
Commercial			899			899			405			1,964						2,400
Residential			1,279			1,279			723			1,136			2			1,295			4
Consumer			71			71			71			80						92
Total			2,864			2,864			1,814			4,058			2			4,710			4
Commercial			1,911			2,993			615			2,113			14			2,172			30
Real estate:
Commercial			6,416			7,080			405			6,304			30			6,043			61
Residential			3,220			3,403			723			3,215			5			3,650			15
Consumer			228			228			71			203						184
Total		$	11,775		$	13,704		$	1,814		$	11,835		$	49		$	12,049		$	106

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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.

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-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
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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

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-Publisher FASB
-Name Accounting Standards Codification
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Tabular disclosure of impaired financing receivables.

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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.

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-Publisher FASB
-Name Accounting Standards Codification
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-Section 50
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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.

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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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