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Loans, net and allowance for loan losses (Tables)

6 Months Ended

Jun. 30, 2019

Loans, net and allowance for loan losses

Schedule of major classifications of loans outstanding

			June 30, 2019			December 31, 2018
Commercial		$	513,655		$	494,134
Real estate:
Commercial			935,578			907,803
Residential			298,527			299,876
Consumer			111,039			121,453
Total		$	1,858,799		$	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 and six months ended June 30, 2019 and 2018 are summarized as follows:

					Real estate
June 30, 2019		Commercial			Commercial			Residential			Consumer			Total
Allowance for loan losses:
Beginning Balance April 1, 2019		$	5,955		$	11,074		$	3,880		$	1,196		$	22,105
Charge-offs			(10)			(343)			(143)			(80)			(576)
Recoveries			2						12			37			51
Provisions			195			311			(134)			(22)			350
Ending balance		$	6,142		$	11,042		$	3,615		$	1,131		$	21,930
					Real estate
June 30, 2018		Commercial			Commercial			Residential			Consumer			Total
Allowance for loan losses:
Beginning Balance April 1, 2018		$	5,198		$	10,301		$	2,924		$	1,295		$	19,718
Charge-offs			(2)			(1,169)			(82)			(145)			(1,398)
Recoveries			59			30			57			57			203
Provisions			(64)			896			257			(39)			1,050
Ending balance		$	5,191		$	10,058		$	3,156		$	1,168		$	19,573

					Real estate
June 30, 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			(87)			(349)			(302)			(212)			(950)
Recoveries			10						16			75			101
Provisions			703			655			9			33			1,400
Ending balance		$	6,142		$	11,042		$	3,615		$	1,131		$	21,930
					Real estate
June 30, 2018		Commercial			Commercial			Residential			Consumer			Total
Allowance for loan losses:
Beginning Balance January 1, 2018		$	5,513		$	8,944		$	3,111		$	1,392		$	18,960
Charge-offs			(2)			(1,169)			(381)			(272)			(1,824)
Recoveries			116			57			67			97			337
Provisions			(436)			2,226			359			(49)			2,100
Ending balance		$	5,191		$	10,058		$	3,156		$	1,168		$	19,573

The allocation of the allowance for loan losses and the related loans by major classifications of loans at June 30, 2019 and December 31, 2018 is summarized as follows:

					Real estate
June 30, 2019		Commercial			Commercial			Residential			Consumer			Total
Allowance for loan losses:
Ending balance		$	6,142		$	11,042		$	3,615		$	1,131		$	21,930
Ending balance: individually evaluated for impairment			615			216			295						1,126
Ending balance: collectively evaluated for impairment		$	5,527		$	10,826		$	3,320		$	1,131		$	20,804
Loans receivable:
Ending balance		$	513,655		$	935,578		$	298,527		$	111,039		$	1,858,799
Ending balance: individually evaluated for impairment			5,915			3,867			2,280			251			12,313
Ending balance: collectively evaluated for impairment		$	507,740		$	931,711		$	296,247		$	110,788		$	1,846,486

					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
June 30, 2019		Pass			Mention			Substandard			Doubtful			Total
Commercial		$	504,060		$	2,029		$	7,566		$			$	513,655
Real estate:
Commercial			905,398			3,054			27,126						935,578
Residential			296,021			351			2,155						298,527
Consumer			110,672						367						111,039
Total		$	1,816,151		$	5,434		$	37,214		$			$	1,858,799

					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

			June 30, 2019			December 31, 2018
Commercial		$	4,494		$	776
Real estate:
Commercial			3,044			2,663
Residential			1,464			2,580
Consumer			251			212
Total		$	9,253		$	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
June 30, 2019		Past Due			Past Due			Days			Due			Current			Total Loans			Accruing
Commercial		$	385		$	136		$	4,502		$	5,023		$	508,632		$	513,655		$	8
Real estate:
Commercial			1,200			54			3,192			4,446			931,132			935,578			148
Residential			1,930			427			1,649			4,006			294,521			298,527			185
Consumer			495			128			251			874			110,165			111,039
Total		$	4,010		$	745		$	9,594		$	14,349		$	1,844,450		$	1,858,799		$	341

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

											This Quarter						Year-to-Date
					Unpaid						Average			Interest			Average			Interest
		Recorded			Principal			Related			Recorded			Income			Recorded			Income
June 30, 2019		Investment			Balance			Allowance			Investment			Recognized			Investment			Recognized
With no related allowance:
Commercial		$	4,495		$	4,931					$	5,284		$	17		$	4,043		$	34
Real estate:
Commercial			2,957			3,116						2,528			10			2,341			23
Residential			619			888						740			4			1,150			11
Consumer			251			261						245						214
Total			8,322			9,196						8,797			31			7,748			68
With an allowance recorded:
Commercial			1,420			1,432			615			1,180			5			1,012			12
Real estate:
Commercial			910			1,380			216			1,174			5			1,166			10
Residential			1,661			1,740			295			1,848			7			1,932			18
Consumer																		20
Total			3,991			4,552			1,126			4,202			17			4,130			40
Total impaired loans
Commercial			5,915			6,363			615			6,464			22			5,055			46
Real estate:
Commercial			3,867			4,496			216			3,702			15			3,507			33
Residential			2,280			2,628			295			2,588			11			3,082			29
Consumer			251			261						245						234
Total		$	12,313		$	13,748		$	1,126		$	12,999		$	48		$	11,878		$	108

											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

											This Quarter						Year-to-Date
					Unpaid						Average			Interest			Average			Interest
		Recorded			Principal			Related			Recorded			Income			Recorded			Income
June 30, 2018		Investment			Balance			Allowance			Investment			Recognized			Investment			Recognized
With no related allowance:
Commercial		$	1,182		$	1,355					$	1,197		$	16		$	1,224		$	33
Real estate:
Commercial			2,871			3,262						2,921			9			2,910			15
Residential			2,146			2,848						2,218			4			2,210			8
Consumer			60			67						106						127
Total			6,259			7,532						6,442			29			6,471			56
With an allowance recorded:
Commercial			1,100			1,124		$	146			1,117			8			1,139			16
Real estate:
Commercial			1,755			1,876			502			2,079			4			1,853			10
Residential			1,425			1,550			378			1,458			4			1,504			8
Consumer			3			3			3			11						10
Total			4,283			4,553			1,029			4,665			16			4,506			34
Total impaired loans
Commercial			2,282			2,479			146			2,314			24			2,363			49
Real estate:
Commercial			4,626			5,138			502			5,000			13			4,763			25
Residential			3,571			4,398			378			3,676			8			3,714			16
Consumer			63			70			3			117						137
Total		$	10,542		$	12,085		$	1,029		$	11,107		$	45		$	10,977		$	90

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Tabular disclosure of allowance for credit loss on financing receivable.

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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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