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Loans and Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2018

Financing Receivable, Allowance for Credit Losses [Line Items]

Summary of composition of loan portfolio

		March 31, 2018							December 31, 2017
(dollars in thousands)		Amount				% of Total			Amount				% of Total
Commercial
Owner occupied RE		$	339,444			23.3	%		$	316,818			22.8	%
Non-owner occupied RE			339,231			23.2	%			312,798			22.6	%
Construction			56,210			3.8	%			51,179			3.7	%
Business			234,820			16.1	%			226,158			16.3	%
Total commercial loans			969,705			66.4	%			906,953			65.4	%
Consumer
Real estate			275,731			18.9	%			273,050			19.7	%
Home equity			155,507			10.7	%			156,141			11.3	%
Construction			35,017			2.4	%			28,351			2.0	%
Other			23,422			1.6	%			22,575			1.6	%
Total consumer loans			489,677			33.6	%			480,117			34.6	%
Total gross loans, net of deferred fees			1,459,382			100.0	%			1,387,070			100.0	%
Less—allowance for loan losses			(15,852	)						(15,523	)
Total loans, net		$	1,443,530						$	1,371,547

Summary of loan maturity distribution by type and related interest rate

		March 31, 2018
					After one
		One year			but within		After five
(dollars in thousands)		or less			five years		years		Total
Commercial
Owner occupied RE		$	23,682		177,441		138,321			339,444
Non-owner occupied RE			39,636		178,214		121,381			339,231
Construction			13,785		20,700		21,725			56,210
Business			67,252		119,869		47,699			234,820
Total commercial loans			144,355		496,224		329,126			969,705
Consumer
Real estate			30,218		62,393		183,120			275,731
Home equity			11,775		27,386		116,346			155,507
Construction			19,720		868		14,429			35,017
Other			7,941		10,660		4,821			23,422
Total consumer loans			69,654		101,307		318,716			489,677
Total gross loans, net of deferred fees		$	214,009		597,531		647,842			1,459,382
Loans maturing after one year with:
Fixed interest rates									$	942,192
Floating interest rates										303,181

		December 31, 2017
					After one
		One year			but within		After five
(dollars in thousands)		or less			five years		years		Total
Commercial
Owner occupied RE		$	24,171		167,425		125,222			316,818
Non-owner occupied RE			39,519		165,764		107,515			312,798
Construction			13,086		12,796		25,297			51,179
Business			73,588		107,584		44,986			226,158
Total commercial loans			150,364		453,569		303,020			906,953
Consumer
Real estate			30,172		61,809		181,069			273,050
Home equity			13,331		25,807		117,003			156,141
Construction			14,943		1,737		11,671			28,351
Other			7,203		11,371		4,001			22,575
Total consumer			65,649		100,724		313,744			480,117
Total gross loan, net of deferred fees		$	216,013		554,293		616,764			1,387,070
Loans maturing after one year with :
Fixed interest rates									$	875,991
Floating interest rates										295,066

Summary of nonperforming assets, including nonaccruing TDRs

(dollars in thousands)		March 31, 2018			December 31, 2017
Commercial
Owner occupied RE		$	-		-
Non-owner occupied RE			1,525		1,581
Construction			-		-
Business			102		910
Consumer
Real estate			1,091		992
Home equity			1,730		1,144
Construction			-		-
Other			-		1
Nonaccruing troubled debt restructurings			2,826		2,673
Total nonaccrual loans, including nonaccruing TDRs			7,274		7,301
Other real estate owned			242		242
Total nonperforming assets		$	7,516		7,543
Nonperforming assets as a percentage of:
Total assets			0.43%		0.46%
Gross loans			0.52%		0.54%
Total loans over 90 days past due			1,146		2,027
Loans over 90 days past due and still accruing			-		-
Accruing troubled debt restructurings		$	5,648		5,145

Summary of key information for impaired loans

					March 31, 2018
					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		$	2,276		2,227		1,798		180
Non-owner occupied RE			6,893		3,717		2,119		729
Construction			-		-		-		-
Business			2,580		1,863		1,863		943
Total commercial			11,749		7,807		5,780		1,852
Consumer
Real estate			2,846		2,795		2,128		1,285
Home equity			2,751		2,154		1,275		566
Construction			-		-		-		-
Other			166		166		166		20
Total consumer			5,763		5,115		3,569		1,871
Total		$	17,512		12,922		9,349		3,723

							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

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

		Three months ended					Three months ended				Year ended
		March 31, 2018					March 31, 2017				December 31, 2017
		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		$	2,231		17		2,232		28		2,255		104
Non-owner occupied RE			3,758		50		3,927		29		4,144		199
Construction			-		-		-		-		-		-
Business			1,886		21		3,675		40		2,823		162
Total commercial			7,875		88		9,834		97		9,222		465
Consumer
Real estate			2,814		41		1,836		16		2,047		69
Home equity			2,203		28		256		1		1,576		97
Construction			-		-		-		-		-		-
Other			168		1		182		-		174		6
Total consumer			5,185		70		2,274		17		3,797		172
Total		$	13,060		158		12,108		114		13,019		637

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

		Three months ended March 31, 2018
		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		$	2,534		3,230			325		3,848			3,495			1,600			210		281			15,523
Provision for loan losses			146		135			90		(294	)		(105	)		451			46		31			500
Loan charge-offs			-		-			-		(119	)		-			(140	)		-		(34	)		(293	)
Loan recoveries			-		1			-		118			1			-			-		2			122
Net loan charge-offs			-		1			-		(1	)		1			(140	)		-		(32	)		(171	)
Balance, end of period		$	2,680		3,366			415		3,553			3,391			1,911			256		280			15,852
Net charge-offs to average loans (annualized)																								0.05	%
Allowance for loan losses to gross loans																								1.09	%
Allowance for loan losses to nonperforming loans																								217.92	%
		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	%

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

		March 31, 2018
		Allowance for loan losses							Recorded investment in loans
(dollars in thousands)		Commercial			Consumer		Total		Commercial		Consumer		Total
Individually evaluated		$	1,852		1,871		3,723		7,807		5,115		12,922
Collectively evaluated			8,162		3,967		12,129		961,898		484,562		1,446,460
Total		$	10,014		5,838		15,852		969,705		489,677		1,459,382
		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

Commercial [Member]

Financing Receivable, Allowance for Credit Losses [Line Items]

Summary of breakdown of outstanding loans by risk category

		March 31, 2018
		Owner			Non-owner
(dollars in thousands)		occupied RE			occupied RE		Construction		Business		Total
Pass		$	335,912		335,321		56,210		227,672		955,115
Special mention			540		53		-		3,878		4,471
Substandard			2,992		3,857		-		3,270		10,119
Doubtful			-		-		-		-		-
		$	339,444		339,231		56,210		234,820		969,705

		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

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

		March 31, 2018
		Owner			Non-owner
(dollars in thousands)		occupied RE			occupied RE		Construction		Business		Total
Current		$	338,915		339,038		56,210		234,386		968,549
30-59 days past due			529		-		-		332		861
60-89 days past due			-		-		-		-		-
Greater than 90 Days			-		193		-		102		295
		$	339,444		339,231		56,210		234,820		969,705
									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

Consumer [Member]

Financing Receivable, Allowance for Credit Losses [Line Items]

Summary of breakdown of outstanding loans by risk category

									March 31, 2018
(dollars in thousands)		Real estate			Home equity		Construction		Other		Total
Pass		$	271,915		151,586		35,017		23,172		481,690
Special mention			440		619		-		184		1,243
Substandard			3,376		3,302		-		66		6,744
Doubtful			-		-		-		-		-
		$	275,731		155,507		35,017		23,422		489,677

		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			-		-		-		-		-
		$	273,050		156,141		28,351		22,575		480,117

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

		March 31, 2018
(dollars in thousands)		Real estate			Home equity		Construction		Other		Total
Current		$	274,302		153,827		35,017		23,317		486,463
30-59 days past due			1,304		829		-		105		2,238
60-89 days past due			125		-		-		-		125
Greater than 90 Days			-		851		-		-		851
		$	275,731		155,507		35,017		23,422		489,677
									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

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