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Loans, net and allowance for loan losses (Tables)

3 Months Ended

Mar. 31, 2018

Loans, net and allowance for loan losses

Schedule of major classifications of loans outstanding

			March 31, 2018			December 31, 2017
Commercial		$	467,404		$	476,199
Real estate:
Commercial			833,497			786,210
Residential			289,367			287,935
Consumer			135,513			142,721
Total		$	1,725,781		$	1,693,065

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 months ended March 31, 2018 and 2017 are summarized as follows:

					Real estate
March 31, 2018		Commercial			Commercial			Residential			Consumer			Unallocated			Total
Allowance for loan losses:
Beginning Balance January 1, 2018		$	5,052		$	7,548		$	4,980		$	1,380		$			$	18,960
Charge-offs									(299)			(127)						(426)
Recoveries			57			27			10			40						134
Provisions			297			524			148			81						1,050
Ending balance		$	5,406		$	8,099		$	4,839		$	1,374		$			$	19,718
					Real estate
March 31, 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						(125)			(15)			(171)						(311)
Recoveries			7			33			22			57						119
Provisions			323			536			264			77						1,200
Ending balance		$	4,129		$	6,291		$	4,978		$	1,571		$			$	16,969

The allocation of the allowance for loan losses and the related loans by major classifications of loans at March 31, 2018 and December 31, 2017 is summarized as follows:

					Real estate
March 31, 2018		Commercial			Commercial			Residential			Consumer			Unallocated			Total
Allowance for loan losses:
Ending balance		$	5,406		$	8,099		$	4,839		$	1,374		$			$	19,718
Ending balance: individually evaluated for impairment			145			1,411			182			17						1,755
Ending balance: collectively evaluated for impairment			5,261			6,688			4,657			1,357						17,963
Ending balance: loans acquired with deteriorated credit quality		$			$			$			$			$			$
Loans receivable:
Ending balance		$	467,404		$	833,497		$	289,367		$	135,513		$			$	1,725,781
Ending balance: individually evaluated for impairment			2,023			4,784			3,751			169						10,727
Ending balance: collectively evaluated for impairment			465,060			828,125			285,587			135,344						1,714,116
Ending balance: loans acquired with deteriorated credit quality		$	321		$	588		$	29		$			$			$	938

					Real estate
December 31, 2017		Commercial			Commercial			Residential			Consumer			Unallocated			Total
Allowance for loan losses:
Ending balance		$	5,052		$	7,548		$	4,980		$	1,380		$			$	18,960
Ending balance: individually evaluated for impairment			159			263			336			8						766
Ending balance: collectively evaluated for impairment			4,893			7,285			4,644			1,372						18,194
Ending balance: loans acquired with deteriorated credit quality		$			$			$			$			$			$
Loans receivable:
Ending balance		$	476,199		$	786,210		$	287,935		$	142,721		$			$	1,693,065
Ending balance: individually evaluated for impairment			2,121			3,644			3,763			177						9,705
Ending balance: collectively evaluated for impairment			473,736			781,921			284,142			142,544						1,682,343
Ending balance: loans acquired with deteriorated credit quality		$	342		$	645		$	30		$			$			$	1,017

Schedule of major classification of loans portfolio summarized by credit quality

					Special
March 31, 2018		Pass			Mention			Substandard			Doubtful			Total
Commercial		$	462,244		$	1,192		$	3,968		$			$	467,404
Real estate:
Commercial			804,815			17,130			11,552						833,497
Residential			284,005			17			5,345						289,367
Consumer			135,313						200						135,513
Total		$	1,686,377		$	18,339		$	21,065		$			$	1,725,781

					Special
December 31, 2017		Pass			Mention			Substandard			Doubtful			Total
Commercial		$	472,185		$	1,958		$	2,056		$			$	476,199
Real estate:
Commercial			764,320			13,015			8,875						786,210
Residential			282,484			18			5,433						287,935
Consumer			142,507						214						142,721
Total		$	1,661,496		$	14,991		$	16,578		$			$	1,693,065

Schedule of information concerning nonaccrual loans by major loan classification

			March 31, 2018			December 31, 2017
Commercial		$	770		$	860
Real estate:
Commercial			4,719			3,821
Residential			3,020			2,994
Consumer			169			177
Total		$	8,678		$	7,852

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
March 31, 2018		Past Due			Past Due			Days			Due			Current			Total Loans			Accruing
Commercial		$	99		$	18		$	774		$	891		$	466,513		$	467,404		$	3
Real estate:
Commercial			4,608			416			4,719			9,743			823,754			833,497
Residential			1,305			780			3,345			5,430			283,937			289,367			325
Consumer			545			342			275			1,162			134,351			135,513			107
Total		$	6,557		$	1,556		$	9,113		$	17,226		$	1,708,555		$	1,725,781		$	435

The Company classifies all nonaccrual loans in the greater than 90 days category.

								Greater												Loans > 90
		30-59 Days			60-89 Days			than 90			Total Past									Days and
December 31, 2017		Past Due			Past Due			Days			Due			Current			Total Loans			Accruing
Commercial		$	124		$	216		$	860		$	1,200		$	474,999		$	476,199
Real estate:
Commercial			1,722			194			3,821			5,737			780,473			786,210
Residential			1,134			1,551			3,543			6,228			281,707			287,935		$	549
Consumer			1,101			364			363			1,828			140,893			142,721			186
Total		$	4,081		$	2,325		$	8,587		$	14,993		$	1,678,072		$	1,693,065		$	735

Summarized information concerning impaired loans

											For the Quarter Ended
					Unpaid						Average			Interest
		Recorded			Principal			Related			Recorded			Income
March 31, 2018		Investment			Balance			Allowance			Investment			Recognized
With no related allowance:
Commercial		$	1,211		$	1,375					$	1,246		$	17
Real estate:
Commercial			2,970			3,312						2,929			6
Residential			2,289			2,762						2,243			4
Consumer			151			159						160
Total			6,621			7,608						6,578			27
With an allowance recorded:
Commercial			1,133			1,158			144			1,159			8
Real estate:
Commercial			2,402			2,520			1,411			1,902			6
Residential			1,491			1,977			182			1,544			4
Consumer			18			18			18			13
Total			5,044			5,673			1,755			4,618			18
Commercial			2,344			2,533			144			2,405			25
Real estate:
Commercial			5,372			5,832			1,411			4,831			12
Residential			3,780			4,739			182			3,787			8
Consumer			169			177			18			173
Total		$	11,665		$	13,281		$	1,755		$	11,196		$	45

											For the Year Ended
					Unpaid						Average			Interest
		Recorded			Principal			Related			Recorded			Income
December 31, 2017		Investment			Balance			Allowance			Investment			Recognized
With no related allowance:
Commercial		$	1,279		$	1,439					$	1,668		$	43
Real estate:
Commercial			2,888			3,190						2,985			24
Residential			2,196			2,672						2,227			21
Consumer			169			181						173
Total			6,532			7,482						7,053			88
With an allowance recorded:
Commercial			1,184			1,218			159			991			50
Real estate:
Commercial			1,401			1,496			263			2,202			18
Residential			1,597			1,759			336			1,335			23
Consumer			8			8			8			20
Total			4,190			4,481			766			4,548			91
Commercial			2,463			2,657			159			2,659			93
Real estate:
Commercial			4,289			4,686			263			5,187			42
Residential			3,793			4,431			336			3,562			44
Consumer			177			189			8			193
Total		$	10,722		$	11,963		$	766		$	11,601		$	179

											For the Quarter Ended
					Unpaid						Average			Interest
		Recorded			Principal			Related			Recorded			Income
March 31, 2017		Investment			Balance			Allowance			Investment			Recognized
With no related allowance:
Commercial		$	765		$	1,386					$	1,585		$	4
Real estate:
Commercial			3,715			4,368						3,039			4
Residential			2,349			2,533						2,277			4
Consumer			184			184						170
Total			7,013			8,471						7,071			12
With an allowance recorded:
Commercial			1,923			1,923		$	404			1,103			13
Real estate:
Commercial			1,471			1,471			513			3,132			6
Residential			1,044			1,044			484			1,210			4
Consumer			23			23			23			12
Total			4,461			4,461			1,424			5,457			23
Commercial			2,688			3,309			404			2,688			17
Real estate:
Commercial			5,186			5,839			513			6,171			10
Residential			3,393			3,577			484			3,487			8
Consumer			207			207			23			182
Total		$	11,474		$	12,932		$	1,424		$	12,528		$	35

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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
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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
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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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Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=84173941&loc=d3e5111-111524

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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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