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Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2017

Financing Receivable, Allowance for Credit Losses [Line Items]

Summary of composition of loan portfolio

		December 31,
(dollars in thousands)		2017						2016
Commercial
Owner occupied RE		$	316,818			22.8%		285,938			24.6%
Non-owner occupied RE			312,798			22.6%		239,574			20.6%
Construction			51,179			3.7%		33,393			2.9%
Business			226,158			16.3%		202,552			17.4%
Total commercial loans			906,953			65.4%		761,457			65.5%
Consumer
Real estate			273,050			19.7%		215,588			18.5%
Home equity			156,141			11.3%		137,105			11.8%
Construction			28,351			2.0%		31,922			2.7%
Other			22,575			1.6%		17,572			1.5%
Total consumer loans			480,117			34.6%		402,187			34.5%
Total gross loans, net of deferred fees			1,387,070			100.0%		1,163,644			100.0%
Less – allowance for loan losses			(15,523	)				(14,855	)
Total loans, net		$	1,371,547					1,148,789

Composition of gross loans by rate type

		December 31,
(dollars in thousands)			2017		2016
Variable rate loans		$	349,493		290,462
Fixed rate loans			1,037,577		873,182
		$	1,387,070		1,163,644

Summary of nonperforming assets, including nonaccruing TDRs

	December 31,
(dollars in thousands)		2017			2016
Commercial
Owner occupied RE		$	-		276
Non-owner occupied RE			1,581		2,711
Construction			-		-
Business			910		686
Consumer
Real estate			992		550
Home equity			1,144		256
Construction			-		-
Other			1		13
Nonaccruing troubled debt restructurings			2,673		990
Total nonaccrual loans, including nonaccruing TDRs			7,301		5,482
Other real estate owned			242		639
Total nonperforming assets		$	7,543		6,121
Nonperforming assets as a percentage of:
Total assets			0.46%		0.46%
Gross loans			0.54%		0.53%
Total loans over 90 days past due		$	2,027		1,984
Loans over 90 days past due and still accruing			-		-
Accruing TDRs			5,145		5,675

Summary of key information for impaired loans

				December 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		$	2,281		2,235		464		179
Non-owner occupied RE			6,827		3,665		2,646		750
Construction			-		-		-		-
Business			3,735		2,764		1,993		1,061
Total commercial			12,843		8,664		5,103		1,990
Consumer
Real estate			2,062		2,037		2,037		1,379
Home equity			2,010		1,575		680		286
Construction			-		-		-		-
Other			171		170		170		22
Total consumer			4,243		3,782		2,887		1,687
Total		$	17,086		12,446		7,990		3,677

				December 31, 2016
				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		$	2,284		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

		Year ended December 31,
		2017					2016				2015
		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		$	2,255		104		2,263		112		884		6
Non-owner occupied RE			4,144		199		4,106		200		6,137		128
Construction			-		-		-		-		1,888		74
Business			2,823		162		2,873		135		4,067		148
Total commercial			9,222		465		9,242		447		12,976		356
Consumer
Real estate			2,047		69		1,854		81		1,112		46
Home equity			1,576		97		257		2		252		7
Construction			-		-		-		-		-		-
Other			174		6		203		6		208		7
Total consumer			3,797		172		2,314		89		1,572		60
Total		$	13,019		637		11,556		536		14,548		416

Summary of activity related to allowance for loan losses

	Year ended December 31,
(dollars in thousands)			2017			2016			2015
Balance, beginning of period		$	14,855			13,629			11,752
Provision for loan losses			2,000			2,300			3,200
Loan charge-offs:
Commercial
Owner occupied RE			-			(5	)		(48	)
Non-owner occupied RE			(589	)		(100	)		(258	)
Construction			-			(42	)		(50	)
Business			(638	)		(1,031	)		(881	)
Total commercial			(1,227	)		(1,178	)		(1,237	)
Consumer
Real estate			-			(194	)		(173	)
Home equity			(400	)		(66	)		(93	)
Construction			-			-			-
Other			(11	)		(210	)		(5	)
Total consumer			(411	)		(470	)		(271	)
Total loan charge-offs			(1,638	)		(1,648	)		(1,508	)
Loan recoveries:
Commercial
Owner occupied RE			-			-			-
Non-owner occupied RE			119			155			10
Construction			-			-			-
Business			86			403			129
Total commercial			205			558			139
Consumer
Real estate			86			10			-
Home equity			13			1			46
Construction			-			-			-
Other			2			5			-
Total consumer			101			16			46
Total recoveries			306			574			185
Net loan charge-offs			(1,332	)		(1,074	)		(1,323	)
Balance, end of period		$	15,523			14,855			13,629

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

	Year ended December 31, 2017
(dollars in thousands)		Commercial				Consumer			Unallocated		Total
Balance, beginning of period		$	10,039			4,816			-		14,855
Provision			920			1,080			-		2,000
Loan charge-offs			(1,227	)		(411	)		-		(1,638	)
Loan recoveries			205			101			-		306
Net loan charge-offs			(1,022	)		(310	)		-		(1,332	)
Balance, end of period		$	9,937			5,586			-		15,523
	Year ended December 31, 2016
		Commercial				Consumer			Unallocated		Total
Balance, beginning of period		$	9,672			3,957			-		13,629
Provision			987			1,313			-		2,300
Loan charge-offs			(1,178	)		(470	)		-		(1,648	)
Loan recoveries			558			16			-		574
Net loan charge-offs			(620	)		(454	)		-		(1,074	)
Balance, end of period		$	10,039			4,816			-		14,855

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

		December 31, 2017
			Allowance for loan losses						Recorded investment in loans
(dollars in thousands)		Commercial			Consumer		Total		Commercial		Consumer		Total
Individually evaluated		$	1,990		1,687		3,677		8,664		3,782		12,446
Collectively evaluated			7,947		3,899		11,846		898,289		476,335		1,374,624
Total		$	9,937		5,586		15,523		906,953		480,117		1,387,070

		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]

Outstanding commercial and consumer loans which include loans on nonaccrual by past due status

	December 31, 2017
		Owner			Non-owner
(dollars in thousands)		occupied RE			occupied RE		Construction		Business		Total
Current		$	316,818		312,477		51,179		224,861		905,335
30-59 days past due			-		129		-		416		545
60-89 days past due			-		-		-		-		-
Greater than 90 days			-		192		-		881		1,073
		$	316,818		312,798		51,179		226,158		906,953
	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

Summary of breakdown of outstanding loans by risk category

	December 31, 2017
		Owner			Non-owner
(dollars in thousands)		occupied RE			occupied RE		Construction		Business		Total
Pass		$	312,628		306,965		51,179		215,729		886,501
Special Mention			1,770		2,082		-		5,540		9,392
Substandard			2,420		3,751		-		4,889		11,060
Doubtful			-		-		-		-		-
		$	316,818		312,798		51,179		226,158		906,953
	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

Consumer [Member]

Financing Receivable, Allowance for Credit Losses [Line Items]

Outstanding commercial and consumer loans which include loans on nonaccrual by past due status

	December 31, 2017
(dollars in thousands)		Real estate			Home equity		Construction		Other		Total
Current		$	271,284		154,821		28,351		22,506		476,962
30-59 days past due			681		325		-		69		1,075
60-89 days past due			131		995		-		-		1,126
Greater than 90 days			954		-		-		-		954
		$	273,050		156,141		28,351		22,575		480,117

	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

Summary of breakdown of outstanding loans by risk category

	December 31, 2017
(dollars in thousands)		Real estate			Home equity		Construction		Other		Total
Pass		$	269,422		152,545		28,351		22,367		472,685
Special Mention			715		1,025		-		88		1,828
Substandard			2,913		2,571		-		120		5,604
Doubtful			-		-		-		-		-
Loss			-		-		-		-		-
		$	273,050		156,141		28,351		22,575		480,117
		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

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