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Loans, net and allowance for loan losses (Tables)

9 Months Ended

Sep. 30, 2018

Loans, net and allowance for loan losses

Schedule of major classifications of loans outstanding

			September 30, 2018			December 31, 2017
Commercial		$	478,128		$	476,199
Real estate:
Commercial			881,071			786,210
Residential			297,819			287,935
Consumer			122,427			142,721
Total		$	1,779,445		$	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 and nine months ended September 30, 2018 and 2017 are summarized as follows:

					Real estate
September 30, 2018		Commercial			Commercial			Residential			Consumer			Total
Allowance for loan losses:
Beginning Balance July 1, 2018		$	5,749		$	7,506		$	4,962		$	1,356		$	19,573
Charge-offs			(148)			(63)						(117)			(328)
Recoveries			12			26			13			67			118
Provisions			289			536			164			61			1,050
Ending balance		$	5,902		$	8,005		$	5,139		$	1,367		$	20,413
					Real estate
September 30, 2017		Commercial			Commercial			Residential			Consumer			Total
Allowance for loan losses:
Beginning Balance July 1, 2017		$	4,426		$	6,587		$	5,196		$	1,593		$	17,802
Charge-offs			(17)						(82)			(169)			(268)
Recoveries			3			41			4			49			97
Provisions			358			566			175			101			1,200
Ending balance		$	4,770		$	7,194		$	5,293		$	1,574		$	18,831

					Real estate
September 30, 2018		Commercial			Commercial			Residential			Consumer			Total
Allowance for loan losses:
Beginning Balance January 1, 2018		$	5,052		$	7,548		$	4,980			1,380			18,960
Charge-offs			(150)			(1,232)			(381)			(389)			(2,152)
Recoveries			128			83			80			164			455
Provisions			872			1,606			460			212			3,150
Ending balance		$	5,902		$	8,005		$	5,139		$	1,367		$	20,413
					Real estate
September 30, 2017		Commercial			Commercial			Residential			Consumer			Total
Allowance for loan losses:
Beginning Balance January 1, 2017		$	3,799		$	5,847		$	4,707		$	1,608		$	15,961
Charge-offs			(49)			(367)			(105)			(489)			(1,010)
Recoveries			16			96			30			138			280
Provisions			1,004			1,618			661			317			3,600
Ending balance		$	4,770		$	7,194		$	5,293		$	1,574		$	18,831

The allocation of the allowance for loan losses and the related loans by major classifications of loans at September 30, 2018 and December 31, 2017 is summarized as follows:

					Real estate
September 30, 2018		Commercial			Commercial			Residential			Consumer			Total
Allowance for loan losses:
Ending balance		$	5,902		$	8,005		$	5,139		$	1,367		$	20,413
Ending balance: individually evaluated for impairment			93			462			362			14			931
Ending balance: collectively evaluated for impairment			5,809			7,543			4,777			1,353			19,482
Ending balance: loans acquired with deteriorated credit quality		$			$			$			$			$
Loans receivable:
Ending balance		$	478,128		$	881,071		$	297,819		$	122,427		$	1,779,445
Ending balance: individually evaluated for impairment			1,996			4,538			3,651			156			10,341
Ending balance: collectively evaluated for impairment			475,833			875,988			294,141			122,271			1,768,233
Ending balance: loans acquired with deteriorated credit quality		$	299		$	545		$	27		$			$	871

					Real estate
December 31, 2017		Commercial			Commercial			Residential			Consumer			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
September 30, 2018		Pass			Mention			Substandard			Doubtful			Total
Commercial		$	473,685		$	1,542		$	2,901		$			$	478,128
Real estate:
Commercial			856,513			11,920			12,638						881,071
Residential			292,530			361			4,928						297,819
Consumer			122,210						217						122,427
Total		$	1,744,938		$	13,823		$	20,684		$			$	1,779,445

					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

			September 30, 2018			December 31, 2017
Commercial		$	808		$	860
Real estate:
Commercial			4,214			3,821
Residential			2,565			2,994
Consumer			156			177
Total		$	7,743		$	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
September 30, 2018		Past Due			Past Due			Days			Due			Current			Total Loans			Accruing
Commercial		$	218		$			$	808		$	1,026		$	477,102		$	478,128
Real estate:
Commercial			1,681			104			4,288			6,073			874,998			881,071			74
Residential			1,774			531			3,075			5,380			292,439			297,819		$	510
Consumer			527			420			156			1,103			121,324			122,427
Total		$	4,200		$	1,055		$	8,327		$	13,582		$	1,765,863		$	1,779,445		$	584

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

											This Quarter						Year-to-Date
					Unpaid						Average			Interest			Average			Interest
		Recorded			Principal			Related			Recorded			Income			Recorded			Income
September 30, 2018		Investment			Balance			Allowance			Investment			Recognized			Investment			Recognized
With no related allowance:
Commercial		$	1,356		$	1,538					$	1,269		$	17		$	1,257		$	50
Real estate:
Commercial			3,414			3,666						3,143			5			3,036			20
Residential			2,366			3,003						2,256			7			2,249			15
Consumer			142			149						101						131
Total			7,278			8,356						6,769			29			6,673			85
With an allowance recorded:
Commercial			939			1,086			93			1,020			7			1,089			23
Real estate:
Commercial			1,669			1,774			462			1,712			8			1,807			18
Residential			1,312			1,508			362			1,369			5			1,456			13
Consumer			14			14			14			9						11
Total			3,934			4,382			931			4,110			20			4,363			54
Total impaired loans
Commercial			2,295			2,624			93			2,289			24			2,346			73
Real estate:
Commercial			5,083			5,440			462			4,855			13			4,843			38
Residential			3,678			4,511			362			3,625			12			3,705			28
Consumer			156			163			14			110						142
Total		$	11,212		$	12,738		$	931		$	10,879		$	49		$	11,036		$	139

											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
Total impaired loans
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

											This Quarter						Year-to-Date
					Unpaid						Average			Interest			Average			Interest
		Recorded			Principal			Related			Recorded			Income			Recorded			Income
September 30, 2017		Investment			Balance			Allowance			Investment			Recognized			Investment			Recognized
With no related allowance:
Commercial		$	2,310		$	2,455					$	1,945		$	28		$	1,765		$	63
Real estate:
Commercial			2,900			3,192						2,979			6			3,009			19
Residential			2,303			2,727						2,193			4			2,235			10
Consumer			171			183						180						175
Total			7,684			8,557						7,297			38			7,184			92
With an allowance recorded:
Commercial			833			910		$	436			783						943
Real estate:
Commercial			1,807			2,073			631			1,673			6			2,402			13
Residential			1,425			1,663			616			1,330			8			1,270			22
Consumer			23			23			23			34						23
Total			4,088			4,669			1,706			3,820			14			4,638			35
Total impaired loans
Commercial			3,143			3,365			436			2,728			28			2,708			63
Real estate:
Commercial			4,707			5,265			631			4,652			12			5,411			32
Residential			3,728			4,390			616			3,523			12			3,505			32
Consumer			194			206			23			214						198
Total		$	11,772		$	13,226		$	1,706		$	11,117		$	52		$	11,822		$	127

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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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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.

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