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Loans and Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2017

Financing Receivable, Allowance for Credit Losses [Line Items]

Summary of composition of loan portfolio

		June 30, 2017							December 31, 2016
(dollars in thousands)		Amount				% of Total			Amount				% of Total
Commercial
Owner occupied RE		$	310,696			23.9	%		$	285,938			24.6	%
Non-owner occupied RE			292,001			22.5	%			239,574			20.6	%
Construction			42,447			3.3	%			33,393			2.9	%
Business			212,703			16.3	%			202,552			17.4	%
Total commercial loans			857,847			66.0	%			761,457			65.5	%
Consumer
Real estate			233,401			18.0	%			215,588			18.5	%
Home equity			147,091			11.3	%			137,105			11.8	%
Construction			39,758			3.0	%			31,922			2.7	%
Other			21,732			1.7	%			17,572			1.5	%
Total consumer loans			441,982			34.0	%			402,187			34.5	%
Total gross loans, net of deferred fees			1,299,829			100.0	%			1,163,644			100.0	%
Less—allowance for loan losses			(15,444	)						(14,855	)
Total loans, net		$	1,284,385						$	1,148,789

Summary of loan maturity distribution by type and related interest rate

		June 30, 2017
					After one
		One year			but within		After five
(dollars in thousands)		or less			five years		years			Total
Commercial
Owner occupied RE		$	27,023		163,848		119,825			310,696
Non-owner occupied RE			39,353		151,447		101,201			292,001
Construction			12,303		9,210		20,934			42,447
Business			70,721		101,246		40,736			212,703
Total commercial loans			149,400		425,751		282,696			857,847
Consumer
Real estate			26,561		54,848		151,992			233,401
Home equity			9,382		30,130		107,579			147,091
Construction			16,602		2,614		20,542			39,758
Other			7,382		9,942		4,408			21,732
Total consumer loans			59,927		97,534		284,521			441,982
Total gross loans, net of deferred fees		$	209,327		523,285		567,217			1,299,829
Loans maturing after one year with:
Fixed interest rates									$	822,399
Floating interest rates										268,103
		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)		June 30, 2017				December 31, 2016
Commercial
Owner occupied RE		$	245			276
Non-owner occupied RE			2,205			2,711
Construction			-			-
Business			1,324			686
Consumer
Real estate			534			550
Home equity			197			256
Construction			-			-
Other			4			13
Nonaccruing troubled debt restructurings			749			990
Total nonaccrual loans, including nonaccruing TDRs			5,258			5,482
Other real estate owned			428			639
Total nonperforming assets		$	5,686			6,121
Nonperforming assets as a percentage of:
Total assets			0.37	%		0.46	%
Gross loans			0.44	%		0.53	%
Total loans over 90 days past due			2,638			1,984
Loans over 90 days past due and still accruing			-			-
Accruing troubled debt restructurings		$	6,009			5,675

Summary of key information for impaired loans

					June 30, 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		$	2,240			2,186		833		401
Non-owner occupied RE			7,042			3,495		1,374		361
Construction			-			-		-		-
Business			4,308			3,581		3,087		1,305
Total commercial			13,590			9,262		5,294		2,067
Consumer
Real estate			1,650			1,629		1,629		1,026
Home equity			203			197		197		135
Construction			-			-		-		-
Other			180			179		179		28
Total consumer			2,033			2,005		2,005		1,189
Total		$	15,623			11,267		7,299		3,256

					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
		June 30, 2017						June 30, 2016
		Average			Recognized			Average		Recognized
		recorded			interest			recorded		interest
(dollars in thousands)		investment			income			investment		income
Commercial
Owner occupied RE		$	2,195		26			1,994		21
Non-owner occupied RE			3,620		48			5,582		35
Construction			-		-			-		-
Business			3,623		54			5,272		54
Total commercial			9,438		128			12,848		110
Consumer
Real estate			1,635		16			1,153		12
Home equity			197		1			257		1
Construction			-		-			-		-
Other			180		1			294		5
Total consumer			2,012		18			1,704		18
Total		$	11,450		146			14,552		128

		Six months ended						Six months ended					Year ended
		June 30, 2017						June 30, 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		$	2,204		53			1,999		43			2,263		112
Non-owner occupied RE			3,721		76			5,642		86			4,106		200
Construction			-		-			-		-			-		-
Business			3,635		98			5,315		134			2,873		135
Total commercial			9,560		227			12,956		263			9,242		447
Consumer
Real estate			1,642		33			1,155		21			1,854		81
Home equity			198		2			257		1			257		2
Construction			-		-			-		-			-		-
Other			181		2			295		6			203		6
Total consumer			2,021		37			1,707		28			2,314		89
Total		$	11,581		264			14,663		291			11,556		536

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

Three months ended June 30, 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		$	3,052			2,967			334		3,823			2,830			1,619			289		373			15,287
Provision for loan losses			(88	)		255			16		139			240			(23	)		39		(78	)		500
Loan charge-offs			-			(253	)		-		(120	)		-			-			-		-			(373	)
Loan recoveries			-			12			-		15			(9	)		12			-		-			30
Net loan charge-offs			-			(241	)		-		(105	)		(9	)		12			-		-			(343	)
Balance, end of period		$	2,964			2,981			350		3,857			3,061			1,608			328		295			15,444
Net charge-offs to average loans (annualized)																									0.11	%
Allowance for loan losses to gross loans																									1.19	%
Allowance for loan losses to nonperforming loans																									293.75	%

		Three months ended June 30, 2016
		Commercial													Consumer
(dollars in thousands)		Owner occupied RE				Non-owner occupied RE			Construction			Business			Real Estate			Home equity			Construction			Other			Total
Balance, beginning of period		$	2,493			3,236			442			3,639			2,131			1,263			351			343			13,898
Provision for loan losses			304			(250	)		(49	)		488			170			40			(139	)		11			575
Loan charge-offs			-			-			(42	)		(311	)		-			(7	)		-			(24	)		(384	)
Loan recoveries			-			25			-			203			-			-			-			-			228
Net loan charge-offs			-			25			(42	)		(108	)		-			(7	)		-			(24	)		(156	)
Balance, end of period		$	2,797			3,011			351			4,019			2,301			1,296			212			330			14,317
Net charge-offs to average loans (annualized)																											0.06	%
Allowance for loan losses to gross loans																											1.34	%
Allowance for loan losses to nonperforming loans																											250.63	%
		Six months ended June 30, 2017
		Commercial													Consumer
(dollars in thousands)		Owner occupied RE				Non-owner occupied RE			Construction			Business			Real Estate			Home 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			121			623			55			(182	)		200			121			76			(14	)		1,000
Loan charge-offs			-			(433	)		-			(130	)		-			-			-			-			(563	)
Loan recoveries			-			13			-			46			81			12			-			-			152
Net loan charge-offs			-			(420	)		-			(84	)		81			12			-			-			(411	)
Balance, end of period		$	2,964			2,981			350			3,857			3,061			1,608			328			295			15,444
Net charge-offs to average loans (annualized)																											0.03	%
		Six months ended June 30, 2016
		Commercial													Consumer
(dollars in thousands)		Owner occupied RE				Non-owner occupied RE			Construction			Business			Real Estate			Home 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			455			(128	)		55			330			418			101			(101	)		70			1,200
Loan charge-offs			(5	)		(75	)		(42	)		(348	)		(187	)		(7	)		-			(115	)		(779	)
Loan recoveries			-			27			-			237			-			-			-			3			267
Net loan charge-offs			(5	)		(48	)		(42	)		(111	)		(187	)		(7	)		-			(112	)		(512	)
Balance, end of period		$	2,797			3,011			351			4,019			2,301			1,296			212			330			14,317
Net charge-offs to average loans (annualized)																											0.10	%

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

		June 30, 2017
		Allowance for loan losses							Recorded investment in loans
(dollars in thousands)		Commercial			Consumer		Total		Commercial		Consumer		Total
Individually evaluated		$	2,067		1,189		3,256		9,262		2,005		11,267
Collectively evaluated			8,085		4,103		12,188		848,585		439,977		1,288,562
Total		$	10,152		5,292		15,444		857,847		441,982		1,299,829
		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

											June 30, 2017
		Owner			Non-owner
(dollars in thousands)		occupied RE			occupied RE		Construction		Business		Total
Pass		$	305,676		285,376		42,447		202,363		835,862
Special mention			2,645		3,038		-		4,546		10,229
Substandard			2,375		3,587		-		5,794		11,756
Doubtful			-		-		-		-		-
		$	310,696		292,001		42,447		212,703		857,847

		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

		June 30, 2017
		Owner			Non-owner
(dollars in thousands)		occupied RE			occupied RE		Construction		Business		Total
Current		$	310,451		291,236		42,447		211,280		855,414
30-59 days past due			-		-		-		266		266
60-89 days past due			-		-		-		-		-
Greater than 90 Days			245		765		-		1,157		2,167
		$	310,696		292,001		42,447		212,703		857,847
		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

		June 30, 2017
(dollars in thousands)		Real estate			Home equity		Construction		Other		Total
Pass		$	229,812		143,932		39,758		21,624		435,126
Special mention			744		2,235		-		10		2,989
Substandard			2,845		924		-		98		3,867
Doubtful			-		-		-		-		-
Loss			-		-		-		-		-
		$	233,401		147,091		39,758		21,732		441,982

		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

		June 30, 2017
(dollars in thousands)		Real estate			Home equity		Construction		Other		Total
Current		$	231,602		146,328		39,758		21,718		439,406
30-59 days past due			548		566		-		14		1,128
60-89 days past due			977		-		-		-		977
Greater than 90 Days			274		197		-		-		471
		$	233,401		147,091		39,758		21,732		441,982
		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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