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Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2018

Financing Receivable, Allowance for Credit Losses [Line Items]

Summary of composition of loan portfolio

		December 31,
(dollars in thousands)		2018							2017
Commercial
Owner occupied RE		$	367,018			21.9	%		316,818			22.8	%
Non-owner occupied RE			404,296			24.1	%		312,798			22.6	%
Construction			84,411			5.0	%		51,179			3.7	%
Business			272,980			16.3	%		226,158			16.3	%
Total commercial loans			1,128,705			67.3	%		906,953			65.4	%
Consumer
Real estate			320,943			19.1	%		273,050			19.7	%
Home equity			165,937			9.9	%		156,141			11.3	%
Construction			37,925			2.3	%		28,351			2.0	%
Other			23,822			1.4	%		22,575			1.6	%
Total consumer loans			548,627			32.7	%		480,117			34.6	%
Total gross loans, net of deferred fees			1,677,332			100.0	%		1,387,070			100.0	%
Less – allowance for loan losses			(15,762	)					(15,523	)
Total loans, net		$	1,661,570						1,371,547

Composition of gross loans by rate type

		December 31,
(dollars in thousands)		2018			2017
Variable rate loans		$	402,148		349,493
Fixed rate loans			1,275,184		1,037,577
		$	1,677,332		1,387,070

Summary of nonperforming assets, including nonaccruing TDRs

		December 31,
(dollars in thousands)		2018			2017
Commercial
Owner occupied RE		$	-		-
Non-owner occupied RE			210		1,581
Construction			-		-
Business			81		910
Consumer
Real estate			1,980		992
Home equity			1,006		1,144
Construction			-		-
Other			12		1
Nonaccruing troubled debt restructurings			2,541		2,673
Total nonaccrual loans, including nonaccruing TDRs			5,830		7,301
Other real estate owned			-		242
Total nonperforming assets		$	5,830		7,543
Nonperforming assets as a percentage of:
Total assets			0.31%		0.46%
Gross loans			0.35%		0.54%
Total loans over 90 days past due		$	458		2,027
Loans over 90 days past due and still accruing			-		-
Accruing TDRs			6,742		5,145

Summary of key information for impaired loans

					December 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		$	2,827		2,762		451		75
Non-owner occupied RE			3,321		2,807		2,204		558
Construction			-		-		-		-
Business			3,745		2,520		2,005		895
Total commercial			9,893		8,089		4,660		1,528
Consumer
Real estate			2,993		2,892		1,398		456
Home equity			1,935		1,421		-		-
Construction			-		-		-		-
Other			170		170		170		30
Total consumer			5,098		4,483		1,568		486
Total		$	14,991		12,572		6,228		2,014

		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

		Year ended December 31,
		2018					2017				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		$	2,784		142		2,255		104		2,263		112
Non-owner occupied RE			2,860		174		4,144		199		4,106		200
Construction			-		-		-		-		-		-
Business			2,883		162		2,823		162		2,873		135
Total commercial			8,527		478		9,222		465		9,242		447
Consumer
Real estate			2,930		151		2,047		69		1,854		81
Home equity			1,453		99		1,576		97		257		2
Construction			-		-		-		-		-		-
Other			174		5		174		6		203		6
Total consumer			4,557		255		3,797		172		2,314		89
Total		$	13,084		733		13,019		637		11,556		536

Summary of activity related to allowance for loan losses

		Year ended December 31,
(dollars in thousands)		2018				2017			2016
Balance, beginning of period		$	15,523			14,855			13,629
Provision for loan losses			1,900			2,000			2,300
Loan charge-offs:
Commercial
Owner occupied RE			-			-			(5	)
Non-owner occupied RE			(432	)		(589	)		(100	)
Construction			-			-			(42	)
Business			(695	)		(638	)		(1,031	)
Total commercial			(1,127	)		(1,227	)		(1,178	)
Consumer
Real estate			(749	)		-			(194	)
Home equity			(217	)		(400	)		(66	)
Construction			-			-			-
Other			(53	)		(11	)		(210	)
Total consumer			(1,019	)		(411	)		(470	)
Total loan charge-offs			(2,146	)		(1,638	)		(1,648	)
Loan recoveries:
Commercial
Owner occupied RE			-			-			-
Non-owner occupied RE			132			119			155
Construction			-			-			-
Business			229			86			403
Total commercial			361			205			558
Consumer
Real estate			5			86			10
Home equity			115			13			1
Construction			-			-			-
Other			4			2			5
Total consumer			124			101			16
Total recoveries			485			306			574
Net loan charge-offs			(1,661	)		(1,332	)		(1,074	)
Balance, end of period		$	15,762			15,523			14,855

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

		Year ended December 31, 2018
(dollars in thousands)		Commercial				Consumer			Unallocated		Total
Balance, beginning of period		$	9,937			5,586			-		15,523
Provision			1,597			303			-		1,900
Loan charge-offs			(1,127	)		(1,019	)		-		(2,146	)
Loan recoveries			361			124			-		485
Net loan charge-offs			(766	)		(895	)		-		(1,661	)
Balance, end of period		$	10,768			4,994			-		15,762
		Year ended December 31, 2017
		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

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

		December 31, 2018
		Allowance for loan losses							Recorded investment in loans
(dollars in thousands)		Commercial			Consumer		Total		Commercial		Consumer		Total
Individually evaluated		$	1,528		486		2,014		8,089		4,483		12,572
Collectively evaluated			9,240		4,508		13,748		1,120,616		544,144		1,664,760
Total		$	10,768		4,994		15,762		1,128,705		548,627		1,677,332
		December 31, 2017
		Allowance for loan losses							Recorded investment in loans
		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]

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

		December 31, 2018
		Owner			Non-owner
(dollars in thousands)		occupied RE			occupied RE		Construction		Business		Total
Current		$	367,018		404,179		84,411		272,864		1,128,472
30-59 days past due			-		117		-		36		153
60-89 days past due			-		-		-		-		-
Greater than 90 days			-		-		-		80		80
		$	367,018		404,296		84,411		272,980		1,128,705
		December 31, 2017
		Owner			Non-owner
		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

Summary of breakdown of outstanding loans by risk category

		December 31, 2018
		Owner			Non-owner
(dollars in thousands)		occupied RE			occupied RE		Construction		Business		Total
Pass		$	363,621		400,266		84,411		266,898		1,115,196
Special Mention			296		118		-		2,971		3,385
Substandard			3,101		3,912		-		3,111		10,124
Doubtful			-		-		-		-		-
		$	367,018		404,296		84,411		272,980		1,128,705
		December 31, 2017
		Owner			Non-owner
		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

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, 2018
(dollars in thousands)		Real estate			Home equity		Construction		Other		Total
Current		$	317,267		165,727		37,925		23,603		544,522
30-59 days past due			2,555		30		-		106		2,691
60-89 days past due			923		-		-		113		1,036
Greater than 90 days			198		180		-		-		378
		$	320,943		165,937		37,925		23,822		548,627
		December 31, 2017
		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

Summary of breakdown of outstanding loans by risk category

		December 31, 2018
(dollars in thousands)		Real estate			Home equity		Construction		Other		Total
Pass		$	314,586		162,626		37,925		23,586		538,723
Special Mention			1,792		864		-		139		2,795
Substandard			4,565		2,447		-		97		7,109
Doubtful			-		-		-		-		-
Loss			-		-		-		-		-
		$	320,943		165,937		37,925		23,822		548,627
		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

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