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Loans, net and allowance for loan losses (Tables)

3 Months Ended

Mar. 31, 2019

Loans, net and allowance for loan losses

Schedule of major classifications of loans outstanding

			March 31, 2019			December 31, 2018
Commercial		$	516,756		$	494,134
Real estate:
Commercial			917,035			907,803
Residential			299,330			299,876
Consumer			116,481			121,453
Total		$	1,849,602		$	1,823,266

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, 2019 and 2018 are summarized as follows:

					Real estate
March 31, 2019		Commercial			Commercial			Residential			Consumer			Total
Allowance for loan losses:
Beginning Balance January 1, 2019		$	5,516		$	10,736		$	3,892		$	1,235		$	21,379
Charge-offs			(77)			(6)			(159)			(132)			(374)
Recoveries			8						4			38			50
Provisions			508			344			143			55			1,050
Ending balance		$	5,955		$	11,074		$	3,880		$	1,196		$	22,105
					Real estate
March 31, 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									(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

The allocation of the allowance for loan losses and the related loans by major classifications of loans at March 31, 2019 and December 31, 2018 is summarized as follows:

					Real estate
March 31, 2019		Commercial			Commercial			Residential			Consumer			Total
Allowance for loan losses:
Ending balance		$	5,955		$	11,074		$	3,880		$	1,196		$	22,105
Ending balance: individually evaluated for impairment			138			389			461						988
Ending balance: collectively evaluated for impairment		$	5,817		$	10,685		$	3,419		$	1,196		$	21,117
Loans receivable:
Ending balance		$	516,756		$	917,035		$	299,330		$	116,481		$	1,849,602
Ending balance: individually evaluated for impairment			7,012			3,535			2,895			238			13,680
Ending balance: collectively evaluated for impairment		$	509,744		$	913,500		$	296,435		$	116,243		$	1,835,922

					Real estate
December 31, 2018		Commercial			Commercial			Residential			Consumer			Total
Allowance for loan losses:
Ending balance		$	5,516		$	10,736		$	3,892		$	1,235		$	21,379
Ending balance: individually evaluated for impairment			50			403			666			60			1,179
Ending balance: collectively evaluated for impairment		$	5,466		$	10,333		$	3,226		$	1,175		$	20,200
Loans receivable:
Ending balance		$	494,134		$	907,803		$	299,876		$	121,453		$	1,823,266
Ending balance: individually evaluated for impairment			2,237			3,121			4,071			212			9,641
Ending balance: collectively evaluated for impairment		$	491,897		$	904,682		$	295,805		$	121,241		$	1,813,625

Schedule of major classification of loans portfolio summarized by credit quality

					Special
March 31, 2019		Pass			Mention			Substandard			Doubtful			Total
Commercial		$	509,531		$	3,090		$	4,135		$			$	516,756
Real estate:
Commercial			894,059			5,309			17,667						917,035
Residential			296,497			355			2,478						299,330
Consumer			116,225						256						116,481
Total		$	1,816,312		$	8,754		$	24,536		$			$	1,849,602

					Special
December 31, 2018		Pass			Mention			Substandard			Doubtful			Total
Commercial		$	491,531		$	869		$	1,734		$			$	494,134
Real estate:
Commercial			886,849			8,934			12,020						907,803
Residential			295,758			357			3,761						299,876
Consumer			121,229						224						121,453
Total		$	1,795,367		$	10,160		$	17,739		$			$	1,823,266

Schedule of information concerning nonaccrual loans by major loan classification

			March 31, 2019			December 31, 2018
Commercial		$	5,567		$	776
Real estate:
Commercial			2,642			2,663
Residential			1,600			2,580
Consumer			238			212
Total		$	10,047		$	6,231

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, 2019		Past Due			Past Due			Days			Due			Current			Total Loans			Accruing
Commercial		$	85		$	183		$	5,567		$	5,835		$	510,921		$	516,756
Real estate:
Commercial			1,077			976			2,812			4,865			912,170			917,035		$	170
Residential			2,204			831			2,259			5,294			294,036			299,330			659
Consumer			434			135			238			807			115,674			116,481
Total		$	3,800		$	2,125		$	10,876		$	16,801		$	1,832,801		$	1,849,602		$	829

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, 2018		Past Due			Past Due			Days			Due			Current			Total Loans			Accruing
Commercial		$	973		$	79		$	776		$	1,828		$	492,306		$	494,134
Real estate:
Commercial			1,889			218			2,736			4,843			902,960			907,803		$	73
Residential			2,486			1,545			3,430			7,461			292,415			299,876			850
Consumer			756			292			212			1,260			120,193			121,453
Total		$	6,104		$	2,134		$	7,154		$	15,392		$	1,807,874		$	1,823,266		$	923

Summarized information concerning impaired loans

											For the Quarter Ended
					Unpaid						Average			Interest
		Recorded			Principal			Related			Recorded			Income
March 31, 2019		Investment			Balance			Allowance			Investment			Recognized
With no related allowance:
Commercial		$	6,072		$	6,407					$	3,817		$	17
Real estate:
Commercial			2,098			2,184						2,034			13
Residential			860			1,287						1,415			7
Consumer			238			245						195
Total			9,268			10,123						7,461			37
With an allowance recorded:
Commercial			940			990			138			808			7
Real estate:
Commercial			1,437			1,563			389			1,295			5
Residential			2,035			2,078			461			2,068			11
Consumer												30
Total			4,412			4,631			988			4,201			23
Total impaired loans
Commercial			7,012			7,397			138			4,625			24
Real estate:
Commercial			3,535			3,747			389			3,329			18
Residential			2,895			3,365			461			3,483			18
Consumer			238			245						225
Total		$	13,680		$	14,754		$	988		$	11,662		$	60

											For the Year Ended
					Unpaid						Average			Interest
		Recorded			Principal			Related			Recorded			Income
December 31, 2018		Investment			Balance			Allowance			Investment			Recognized
With no related allowance:
Commercial		$	1,562		$	1,900					$	1,318		$	67
Real estate:
Commercial			1,969			2,299						2,822			28
Residential			1,970			2,658						2,193			22
Consumer			152			160						135
Total			5,653			7,017						6,468			117
With an allowance recorded:
Commercial			675			675			50			1,006			30
Real estate:
Commercial			1,152			1,323			403			1,676			18
Residential			2,101			2,328			666			1,585			22
Consumer			60			60			60			21
Total			3,988			4,386			1,179			4,288			70
Total impaired loans
Commercial			2,237			2,575			50			2,324			97
Real estate:
Commercial			3,121			3,622			403			4,498			46
Residential			4,071			4,986			666			3,778			44
Consumer			212			220			60			156
Total		$	9,641		$	11,403		$	1,179		$	10,756		$	187

											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
Total impaired loans
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

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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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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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