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Loans and Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2017

Financing Receivable, Allowance for Credit Losses [Line Items]

Summary of composition of loan portfolio

		September 30, 2017							December 31, 2016
(dollars in thousands)		Amount				% of Total			Amount				% of Total
Commercial
Owner occupied RE		$	317,262			23.9	%		$	285,938			24.6	%
Non-owner occupied RE			301,360			22.7	%			239,574			20.6	%
Construction			32,332			2.4	%			33,393			2.9	%
Business			214,898			16.2	%			202,552			17.4	%
Total commercial loans			865,852			65.2	%			761,457			65.5	%
Consumer
Real estate			250,483			18.9	%			215,588			18.5	%
Home equity			150,371			11.3	%			137,105			11.8	%
Construction			38,766			2.9	%			31,922			2.7	%
Other			22,267			1.7	%			17,572			1.5	%
Total consumer loans			461,887			34.8	%			402,187			34.5	%
Total gross loans, net of deferred fees			1,327,739			100.0	%			1,163,644			100.0	%
Less—allowance for loan losses			(15,579	)						(14,855	)
Total loans, net		$	1,312,160						$	1,148,789

Summary of loan maturity distribution by type and related interest rate

							September 30, 2017
					After one
		One year			but within		After five
(dollars in thousands)		or less			five years		years		Total
Commercial
Owner occupied RE		$	24,771		165,019		127,472			317,262
Non-owner occupied RE			47,778		155,987		97,595			301,360
Construction			6,908		6,492		18,932			32,332
Business			63,391		109,003		42,504			214,898
Total commercial loans			142,848		436,501		286,503			865,852
Consumer
Real estate			23,864		62,991		163,628			250,483
Home equity			10,441		25,930		114,000			150,371
Construction			19,312		635		18,819			38,766
Other			5,875		12,082		4,310			22,267
Total consumer loans			59,492		101,638		300,757			461,887
Total gross loans, net of deferred fees		$	202,340		538,139		587,260			1,327,739
Loans maturing after one year with:
Fixed interest rates									$	851,998
Floating interest rates										273,401
							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)		September 30, 2017			December 31, 2016
Commercial
Owner occupied RE		$	244		276
Non-owner occupied RE			2,049		2,711
Construction			-		-
Business			1,116		686
Consumer
Real estate			1,267		550
Home equity			195		256
Construction			-		-
Other			2		13
Nonaccruing troubled debt restructurings			730		990
Total nonaccrual loans, including nonaccruing TDRs			5,603		5,482
Other real estate owned			420		639
Total nonperforming assets		$	6,023		6,121
Nonperforming assets as a percentage of:
Total assets			0.39%		0.46%
Gross loans			0.45%		0.53%
Total loans over 90 days past due			1,401		1,984
Loans over 90 days past due and still accruing			-		-
Accruing troubled debt restructurings		$	6,954		5,675

Summary of key information for impaired loans

							September 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		$	2,232		2,177		830		192
Non-owner occupied RE			7,854		4,299		3,704		948
Construction			-		-		-		-
Business			4,488		3,355		2,090		1,140
Total commercial			14,574		9,831		6,624		2,280
Consumer
Real estate			2,382		2,357		2,357		1,304
Home equity			203		195		195		133
Construction			-		-		-		-
Other			175		174		174		25
Total consumer			2,760		2,726		2,726		1,462
Total		$	17,334		12,557		9,350		3,742

							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
		September 30, 2017					September 30, 2016
		Average			Recognized		Average		Recognized
		recorded			interest		recorded		interest
(dollars in thousands)		investment			income		investment		income
Commercial
Owner occupied RE		$	2,182		25		2,000		30
Non-owner occupied RE			4,322		57		5,515		39
Construction			-		-		-		-
Business			3,498		58		5,072		71
Total commercial			10,002		140		12,587		140
Consumer
Real estate			2,361		40		1,573		16
Home equity			196		2		207		-
Construction			-		-		-		-
Other			176		1		257		2
Total consumer			2,733		43		2,037		18
Total		$	12,735		183		14,624		158

		Nine months ended					Nine months ended						Year ended
		September 30, 2017					September 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		$	2,198		78		2,009		72		2,263		112
Non-owner occupied RE			4,503		154		5,594		124		4,106		200
Construction			-		-		-		-		-		-
Business			3,585		165		5,134		199		2,873		135
Total commercial			10,286		397		12,737		395		9,242		447
Consumer
Real estate			2,370		73		1,578		49		1,854		81
Home equity			196		4		257		1		257		2
Construction			-		-		-		-		-		-
Other			178		4		208		5		203		6
Total consumer			2,744		81		2,043		55		2,314		89
Total		$	13,030		478		14,780		450		11,556		536

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

																Three months ended September 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		$	2,964			2,981		350			3,857			3,061		1,608			328			295			15,444
Provision for loan losses			(141	)		634		(122	)		213			160		(196	)		(47	)		(1	)		500
Loan charge-offs			-			-		-			(388	)		-		-			-			(11	)		(399	)
Loan recoveries			-			1		-			31			1		-			-			1			34
Net loan charge-offs			-			1		-			(357	)		1		-			-			(10	)		(365	)
Balance, end of period		$	2,823			3,616		228			3,713			3,222		1,412			281			284			15,579
Net charge-offs to average loans (annualized)																									0.11%
Allowance for loan losses to gross loans																									1.17%
Allowance for loan losses to nonperforming loans																									278.05%

																		Three months ended September 30, 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		$	2,797			3,011			350			4,019			2,302			1,296			212			330			14,317
Provision for loan losses			98			47			(53	)		337			215			119			(5	)		67			825
Loan charge-offs			-			(25	)		-			(515	)		-			(43	)		-			(100	)		(683	)
Loan recoveries			-			5			-			13			-			-			-			1			19
Net loan charge-offs			-			(20	)		-			(502	)		-			(43	)		-			(99	)		(664	)
Balance, end of period		$	2,895			3,038			297			3,854			2,517			1,372			207			298			14,478
Net charge-offs to average loans (annualized)																											0.24%
Allowance for loan losses to gross loans																											1.30%
Allowance for loan losses to nonperforming loans																											258.3%
																		Nine months ended September 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		$	2,843			2,778			295			4,123			2,780			1,475			252			309			14,855
Provision for loan losses			(20	)		1,257			(67	)		31			359			(75	)		29			(14	)		1,500
Loan charge-offs			-			(433	)		-			(518	)		-			-			-			(11	)		(962	)
Loan recoveries			-			14			-			77			83			12			-			-			186
Net loan charge-offs			-			(419	)		-			(441	)		83			12			-			(11	)		(776	)
Balance, end of period		$	2,823			3,616			228			3,713			3,222			1,412			281			284			15,579
Net charge-offs to average loans (annualized)																											0.08%
																		Nine months ended September 30, 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			553			(81	)		2			666			641			236			(106	)		114			2,025
Loan charge-offs			(5	)		(100	)		(43	)		(862	)		(194	)		(66	)		-			(192	)		(1,462	)
Loan recoveries			-			32			-			250			-			-			-			4			286
Net loan charge-offs			(5	)		(68	)		(43	)		(612	)		(194	)		(66	)		-			(188	)		(1,176	)
Balance, end of period		$	2,895			3,038			297			3,854			2,517			1,372			207			298			14,478
Net charge-offs to average loans (annualized)																											0.15%

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

											September 30, 2017
		Allowance for loan losses							Recorded investment in loans
(dollars in thousands)		Commercial			Consumer		Total		Commercial		Consumer		Total
Individually evaluated		$	2,280		1,462		3,742		9,831		2,726		12,557
Collectively evaluated			8,100		3,737		11,837		856,021		459,161		1,315,182
Total		$	10,380		5,199		15,579		865,852		461,887		1,327,739
											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

									September 30, 2017
		Owner			Non-owner
(dollars in thousands)		occupied RE			occupied RE		Construction		Business		Total
Pass		$	312,878		294,934		32,332		204,694		844,838
Special mention			2,020		2,039		-		4,587		8,646
Substandard			2,364		4,387		-		5,617		12,368
Doubtful			-		-		-		-		-
		$	317,262		301,360		32,332		214,898		865,852

									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

									September 30, 2017
		Owner			Non-owner
(dollars in thousands)		occupied RE			occupied RE		Construction		Business		Total
Current		$	317,019		300,720		32,332		213,394		863,465
30-59 days past due			-		-		-		1,381		1,381
60-89 days past due			-		-		-		-		-
Greater than 90 Days			243		640		-		123		1,006
		$	317,262		301,360		32,332		214,898		865,852
									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

									September 30, 2017
(dollars in thousands)		Real estate			Home equity		Construction		Other		Total
Pass		$	246,962		147,570		38,766		22,172		455,470
Special mention			719		126		-		7		852
Substandard			2,802		2,675		-		88		5,565
Doubtful			-		-		-		-		-
Loss			-		-		-		-		-
		$	250,483		150,371		38,766		22,267		461,887

									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

									September 30, 2017
(dollars in thousands)		Real estate			Home equity		Construction		Other		Total
Current		$	248,907		149,978		38,493		22,175		459,553
30-59 days past due			132		90		-		92		314
60-89 days past due			1,172		180		273		-		1,625
Greater than 90 Days			272		123		-		-		395
		$	250,483		150,371		38,766		22,267		461,887
									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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