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Loans and Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2017

Financing Receivable, Allowance for Credit Losses [Line Items]

Summary of composition of loan portfolio

	March 31, 2017									December 31, 2016
(dollars in thousands)			Amount			% of Total				Amount			% of Total
Commercial
Owner occupied RE		$	288,300			23.7	%		$	285,938			24.6	%
Non-owner occupied RE			258,449			21.2	%			239,574			20.6	%
Construction			36,889			3.0	%			33,393			2.9	%
Business			208,590			17.1	%			202,552			17.4	%
Total commercial loans			792,228			65.0	%			761,457			65.5	%
Consumer
Real estate			230,695			18.9	%			215,588			18.5	%
Home equity			143,673			11.8	%			137,105			11.8	%
Construction			31,535			2.6	%			31,922			2.7	%
Other			20,549			1.7	%			17,572			1.5	%
Total consumer loans			426,452			35.0	%			402,187			34.5	%
Total gross loans, net of deferred fees			1,218,680			100.0	%			1,163,644			100.0	%
Less—allowance for loan losses			(15,287	)						(14,855	)
Total loans, net		$	1,203,393						$	1,148,789

Summary of loan maturity distribution by type and related interest rate

	March 31, 2017
					After one
			One year		but within		After five
(dollars in thousands)			or less		five years		years			Total
Commercial
Owner occupied RE		$	22,336		149,371		116,593			288,300
Non-owner occupied RE			33,669		140,116		84,664			258,449
Construction			9,077		11,358		16,454			36,889
Business			62,790		106,729		39,071			208,590
Total commercial loans			127,872		407,574		256,782			792,228
Consumer
Real estate			28,754		52,367		149,574			230,695
Home equity			7,391		29,494		106,788			143,673
Construction			15,762		606		15,167			31,535
Other			6,600		9,629		4,320			20,549
Total consumer loans			58,507		92,096		275,849			426,452
Total gross loans, net of deferred fees		$	186,379		499,670		532,631			1,218,680
Loans maturing after one year with:
Fixed interest rates									$	778,861
Floating interest rates										253,440
	December 31, 2016
					After one
			One year		but within		After five
			or less		five years		years			Total
Commercial
Owner occupied RE		$	26,062		145,419		114,457			285,938
Non-owner occupied RE			34,685		142,261		62,628			239,574
Construction			5,881		9,558		17,954			33,393
Business			66,361		99,255		36,936			202,552
Total commercial loans			132,989		396,493		231,975			761,457
Consumer
Real estate			26,342		49,832		139,414			215,588
Home equity			7,142		29,041		100,922			137,105
Construction			14,103		627		17,192			31,922
Other			5,049		9,305		3,218			17,572
Total consumer			52,636		88,805		260,746			402,187
Total gross loan, net of deferred fees		$	185,625		485,298		492,721			1,163,644
Loans maturing after one year with:
Fixed interest rates									$	733,892
Floating interest rates										244,127

Summary of nonperforming assets, including nonaccruing TDRs

(dollars in thousands)		March 31, 2017				December 31, 2016
Commercial
Owner occupied RE		$	266			276
Non-owner occupied RE			2,514			2,711
Construction			-			-
Business			1,616			686
Consumer
Real estate			541			550
Home equity			257			256
Construction			-			-
Other			5			13
Nonaccruing troubled debt restructurings			979			990
Total nonaccrual loans, including nonaccruing TDRs			6,178			5,482
Other real estate owned			669			639
Total nonperforming assets		$	6,847			6,121
Nonperforming assets as a percentage of:
Total assets			0.47	%		0.46	%
Gross loans			0.56	%		0.53	%
Total loans over 90 days past due			1,688			1,984
Loans over 90 days past due and still accruing			-			-
Accruing troubled debt restructurings		$	5,795			5,675

Summary of key information for impaired loans

				March 31, 2017
					Recorded investment
							Impaired loans
		Unpaid					with related		Related
		Principal			Impaired		allowance for		allowance for
(dollars in thousands)		Balance			loans		loan losses		loan losses
Commercial
Owner occupied RE		$	2,271		2,220		2,220		420
Non-owner occupied RE			7,226		3,823		1,503		410
Construction			-		-		-		-
Business			4,353		3,665		2,943		1,160
Total commercial			13,850		9,708		6,666		1,990
Consumer
Real estate			1,844		1,828		1,642		605
Home equity			262		257		123		61
Construction			-		-		-		-
Other			181		181		181		93
Total consumer			2,287		2,266		1,946		759
Total		$	16,137		11,974		8,612		2,749

				December 31, 2016
				Recorded investment
							Impaired loans
		Unpaid					with related		Related
		Principal			Impaired		allowance for		allowance for
		Balance			loans		loan losses		loan losses
Commercial
Owner occupied RE		$	2,284		2,243		2,224		263
Non-owner occupied RE			7,238		4,031		1,638		457
Construction			-		-		-		-
Business			3,699		2,593		1,610		1,154
Total commercial			13,221		8,867		5,472		1,874
Consumer
Real estate			1,853		1,843		1,843		682
Home equity			207		257		-		-
Construction			-		-		-		-
Other			261		190		177		88
Total consumer			2,321		2,290		2,020		770
Total		$	15,542		11,157		7,492		2,644

Summary of average recorded investment and interest income recognized on impaired loans

	Three months ended							Three months ended							Year ended
	March 31, 2017						March 31, 2016						December 31, 2016
		Average			Recognized			Average		Recognized			Average		Recognized
		recorded			interest			recorded		interest			recorded		interest
(dollars in thousands)		investment			income			investment		income			investment		income
Commercial
Owner occupied RE		$	2,232		28		$	615		7			2,263		112
Non-owner occupied RE			3,927		29			5,731		48			4,106		200
Construction			-		-			1,778		30			-		-
Business			3,675		40			2,760		30			2,873		135
Total commercial			9,834		97			10,884		115			9,242		447
Consumer
Real estate			1,836		16			1,119		9			1,854		81
Home equity			256		1			195		2			257		2
Construction			-		-			-		-			-		-
Other			182		-			257		-			203		6
Total consumer			2,274		17			1,571		11			2,314		89
Total		$	12,108		114		$	12,455		126			11,556		536

Summary of allowance for loan losses by commercial and consumer portfolio segments

		Three months ended March 31, 2017
		Commercial												Consumer
		Owner				Non-owner
		occupied				occupied								Real			Home
(dollars in thousands)		RE				RE			Construction		Business			Estate			equity		Construction		Other			Total
Balance, beginning of period		$	2,843			2,778			295		4,123			2,780			1,475		252		309			14,855
Provision for loan losses			209			369			39		(321	)		(40	)		143		37		64			500
Loan charge-offs			-			(181	)		-		(9	)		-			-		-		-			(190	)
Loan recoveries			-			1			-		30			90			1		-		-			122
Net loan charge-offs			-			(180	)		-		21			90			1		-		-			(68	)
Balance, end of period		$	3,052			2,967			334		3,823			2,830			1,619		289		373			15,287
Net charge-offs to average loans (annualized)																								0.02%
Allowance for loan losses to gross loans																								1.25%
Allowance for loan losses to nonperforming loans																								247.43%
		Three months ended March 31, 2016
		Commercial												Consumer
		Owner				Non-owner
		occupied				occupied								Real			Home
(dollars in thousands)		RE				RE			Construction		Business			Estate			equity		Construction		Other			Total
Balance, beginning of period		$	2,347			3,187			338		3,800			2,070			1,202		313		372			13,629
Provision for loan losses			151			122			104		(158	)		248			61		38		59			625
Loan charge-offs			(5	)		(75	)		-		(36	)		(187	)		-		-		(91	)		(394	)
Loan recoveries			-			2			-		33			-			-		-		3			38
Net loan charge-offs			(5	)		(73	)		-		(3	)		(187	)		-		-		(88	)		(356	)
Balance, end of period		$	2,493			3,236			442		3,639			2,131			1,263		351		343			13,898
Net charge-offs to average loans (annualized)																								0.14%
Allowance for loan losses to gross loans																								1.34%
Allowance for loan losses to nonperforming loans																								224.56%

Summary of allowance for loan losses and recorded investment in loans by impairment methodology

		March 31, 2017
		Allowance for loan losses							Recorded investment in loans
(dollars in thousands)		Commercial			Consumer		Total		Commercial		Consumer		Total
Individually evaluated		$	1,990		759		2,749		9,708		2,266		11,974
Collectively evaluated			8,230		4,308		12,538		782,520		424,186		1,206,706
Total		$	10,220		5,067		15,287		792,228		426,452		1,218,680
		December 31, 2016
		Allowance for loan losses							Recorded investment in loans
		Commercial			Consumer		Total		Commercial		Consumer		Total
Individually evaluated		$	1,874		770		2,644		8,867		2,290		11,157
Collectively evaluated			8,165		4,046		12,211		752,590		399,897		1,152,487
Total		$	10,039		4,816		14,855		761,457		402,187		1,163,644

Commercial [Member]

Financing Receivable, Allowance for Credit Losses [Line Items]

Summary of breakdown of outstanding loans by risk category

	March 31, 2017
		Owner			Non-owner
(dollars in thousands)		occupied RE			occupied RE		Construction		Business		Total
Pass		$	282,726		253,421		36,889		198,953		771,989
Special mention			3,164		976		-		3,735		7,875
Substandard			2,410		4,052		-		5,902		12,364
Doubtful			-		-		-		-		-
		$	288,300		258,449		36,889		208,590		792,228

	December 31, 2016
			Owner		Non-owner
			occupied RE		occupied RE		Construction		Business		Total
Pass		$	282,055		234,957		33,393		193,517		743,922
Special mention			1,097		975		-		2,489		4,561
Substandard			2,786		3,642		-		6,546		12,974
Doubtful			-		-		-		-		-
		$	285,938		239,574		33,393		202,552		761,457

Summary of outstanding loans which include loans on nonaccrual by past due status

									March 31, 2017
			Owner		Non-owner
(dollars in thousands)			occupied RE		occupied RE		Construction		Business		Total
Current		$	288,035		256,991		36,889		206,466		788,381
30-59 days past due			-		416		-		651		1,067
60-89 days past due			249		-		-		1,100		1,349
Greater than 90 Days			16		1,042		-		373		1,431
		$	288,300		258,449		36,889		208,590		792,228
	December 31, 2016
			Owner		Non-owner
			occupied RE		occupied RE		Construction		Business		Total
Current		$	284,700		238,346		33,393		200,624		757,063
30-59 days past due			981		-		-		1,423		2,404
60-89 days past due			257		56		-		-		313
Greater than 90 Days			-		1,172		-		505		1,677
		$	285,938		239,574		33,393		202,552		761,457

Consumer [Member]

Financing Receivable, Allowance for Credit Losses [Line Items]

Summary of breakdown of outstanding loans by risk category

	March 31, 2017
(dollars in thousands)			Real estate		Home equity		Construction		Other		Total
Pass		$	226,785		140,439		31,535		20,428		419,187
Special mention			860		2,184		-		24		3,068
Substandard			3,050		1,050		-		97		4,197
Doubtful			-		-		-		-		-
Loss			-		-		-		-		-
		$	230,695		143,673		31,535		20,549		426,452

	December 31, 2016
		Real estate			Home equity		Construction		Other		Total
Pass		$	211,563		134,124		31,922		17,485		395,094
Special mention			1,064		2,109		-		16		3,189
Substandard			2,961		872		-		71		3,904
Doubtful			-		-		-		-		-
Loss			-		-		-		-		-
		$	215,588		137,105		31,922		17,572		402,187

Summary of outstanding loans which include loans on nonaccrual by past due status

	March 31, 2017
(dollars in thousands)		Real estate			Home equity		Construction		Other		Total
Current		$	229,729		143,078		31,535		20,510		424,852
30-59 days past due			413		209		-		39		661
60-89 days past due			553		129		-		-		682
Greater than 90 Days			-		257		-		-		257
		$	230,695		143,673		31,535		20,549		426,452
	December 31, 2016
			Real estate		Home equity		Construction		Other		Total
Current		$	214,228		136,638		31,922		17,427		400,215
30-59 days past due			1,041		210		-		126		1,377
60-89 days past due			282		-		-		6		288
Greater than 90 Days			37		257		-		13		307
		$	215,588		137,105		31,922		17,572		402,187

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