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Loans and Leases (Tables) | 3 Months Ended
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Mar. 31, 2020
Loans and Leases [Abstract] |
Loan Classifications |
﻿ |  |  |  |  |
﻿ |  |
﻿(dollars in thousands) | March 31, 2020 |  | December 31, 2019
﻿Commercial and industrial | $ | 118,140 |  | $ | 122,594
﻿Commercial real estate: |  |  |  |  |
﻿Non-owner occupied |  | 95,630 |  |  | 99,801
﻿Owner occupied |  | 125,976 |  |  | 130,558
﻿Construction |  | 3,196 |  |  | 4,654
﻿Consumer: |  |  |  |  |
﻿Home equity installment |  | 35,456 |  |  | 36,631
﻿Home equity line of credit |  | 46,850 |  |  | 47,282
﻿Auto loans |  | 102,213 |  |  | 105,870
﻿Direct finance leases |  | 17,356 |  |  | 16,355
﻿Other |  | 7,025 |  |  | 5,634
﻿Residential: |  |  |  |  |
﻿Real estate |  | 175,453 |  |  | 167,164
﻿Construction |  | 18,767 |  |  | 17,770
﻿Total |  | 746,062 |  |  | 754,313
﻿Less: |  |  |  |  |
﻿Allowance for loan losses |  | (10,017) |  |  | (9,747)
﻿Unearned lease revenue |  | (938) |  |  | (903)
﻿Loans and leases, net | $ | 735,107 |  | $ | 743,663
﻿
Non-Accrual Loans, Segregated by Class |
﻿ |  |  |  |  |
﻿ |
﻿(dollars in thousands) | March 31, 2020 |  | December 31, 2019
﻿Commercial and industrial | $ | 310 |  | $ | 336
﻿Commercial real estate: |  |  |  |  |
﻿Non-owner occupied |  | 419 |  |  | 510
﻿Owner occupied |  | 1,465 |  |  | 1,447
﻿Consumer: |  |  |  |  |
﻿Home equity installment |  | 62 |  |  | 65
﻿Home equity line of credit |  | 340 |  |  | 294
﻿Auto loans |  | 92 |  |  | 16
﻿Residential: |  |  |  |  |
﻿Real estate |  | 966 |  |  | 1,006
﻿Total | $ | 3,654 |  | $ | 3,674
﻿
Past Due Loans | ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Recorded
﻿ |  |  |  |  |  |  | Past due |  |  |  |  |  |  |  |  |  | investment past
﻿ | 30 - 59 Days |  | 60 - 89 Days |  | 90 days |  | Total |  |  |  |  | Total |  | due ≥ 90 days
﻿March 31, 2020 | past due |  | past due |  | or more (1) |  | past due |  | Current |  | loans (3) |  | and accruing
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Commercial and industrial | $ | 1,590 |  | $ | 1,009 |  | $ | 310 |  | $ | 2,909 |  | $ | 115,231 |  | $ | 118,140 |  | $ | -
﻿Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Non-owner occupied |  | 1,137 |  |  | 380 |  |  | 419 |  |  | 1,936 |  |  | 93,694 |  |  | 95,630 |  |  | -
﻿Owner occupied |  | 783 |  |  | 360 |  |  | 1,465 |  |  | 2,608 |  |  | 123,368 |  |  | 125,976 |  |  | -
﻿Construction |  | - |  |  | - |  |  | - |  |  | - |  |  | 3,196 |  |  | 3,196 |  |  | -
﻿Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Home equity installment |  | 63 |  |  | 28 |  |  | 62 |  |  | 153 |  |  | 35,303 |  |  | 35,456 |  |  | -
﻿Home equity line of credit |  | 362 |  |  | 13 |  |  | 340 |  |  | 715 |  |  | 46,135 |  |  | 46,850 |  |  | -
﻿Auto loans |  | 888 |  |  | 23 |  |  | 92 |  |  | 1,003 |  |  | 101,210 |  |  | 102,213 |  |  | -
﻿Direct finance leases |  | 294 |  |  | - |  |  | - |  |  | 294 |  |  | 16,124 |  |  | 16,418 | (2) |  | -
﻿Other |  | 25 |  |  | 3 |  |  | - |  |  | 28 |  |  | 6,997 |  |  | 7,025 |  |  | -
﻿Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Real estate |  | - |  |  | 1,350 |  |  | 966 |  |  | 2,316 |  |  | 173,137 |  |  | 175,453 |  |  | -
﻿Construction |  | - |  |  | - |  |  | - |  |  | - |  |  | 18,767 |  |  | 18,767 |  |  | -
﻿Total | $ | 5,142 |  | $ | 3,166 |  | $ | 3,654 |  | $ | 11,962 |  | $ | 733,162 |  | $ | 745,124 |  | $ | -
(1) Includes non-accrual loans. (2) Net of unearned lease revenue of $0.9 million. (3) Includes net deferred loan costs of $3.0 million. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Recorded
﻿ |  |  |  |  |  |  | Past due |  |  |  |  |  |  |  |  |  | investment past
﻿ | 30 - 59 Days |  | 60 - 89 Days |  | 90 days |  | Total |  |  |  |  | Total |  | due ≥ 90 days
﻿December 31, 2019 | past due |  | past due |  | or more (1) |  | past due |  | Current |  | loans (3) |  | and accruing
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Commercial and industrial | $ | 33 |  | $ | 171 |  | $ | 336 |  | $ | 540 |  | $ | 122,054 |  | $ | 122,594 |  | $ | -
﻿Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Non-owner occupied |  | - |  |  | 70 |  |  | 510 |  |  | 580 |  |  | 99,221 |  |  | 99,801 |  |  | -
﻿Owner occupied |  | 180 |  |  | 89 |  |  | 1,447 |  |  | 1,716 |  |  | 128,842 |  |  | 130,558 |  |  | -
﻿Construction |  | - |  |  | - |  |  | - |  |  | - |  |  | 4,654 |  |  | 4,654 |  |  | -
﻿Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Home equity installment |  | - |  |  | 5 |  |  | 65 |  |  | 70 |  |  | 36,561 |  |  | 36,631 |  |  | -
﻿Home equity line of credit |  | 49 |  |  | - |  |  | 294 |  |  | 343 |  |  | 46,939 |  |  | 47,282 |  |  | -
﻿Auto loans |  | 316 |  |  | 46 |  |  | 16 |  |  | 378 |  |  | 105,492 |  |  | 105,870 |  |  | -
﻿Direct finance leases |  | 59 |  |  | 79 |  |  | - |  |  | 138 |  |  | 15,314 |  |  | 15,452 | (2) |  | -
﻿Other |  | 15 |  |  | 1 |  |  | - |  |  | 16 |  |  | 5,618 |  |  | 5,634 |  |  | -
﻿Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Real estate |  | 29 |  |  | 224 |  |  | 1,006 |  |  | 1,259 |  |  | 165,905 |  |  | 167,164 |  |  | -
﻿Construction |  | - |  |  | - |  |  | - |  |  | - |  |  | 17,770 |  |  | 17,770 |  |  | -
﻿Total | $ | 681 |  | $ | 685 |  | $ | 3,674 |  | $ | 5,040 |  | $ | 748,370 |  | $ | 753,410 |  | $ | -
(1) Includes non-accrual loans. (2) Net of unearned lease revenue of $0.9 million. (3) Includes net deferred loan costs of $3.0 million.
Impaired Loans | Impaired loans, segregated by class, as of the period indicated are detailed below:
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  | Recorded |  | Recorded |  |  |  |  |  |
﻿ | Unpaid |  | investment |  | investment |  | Total |  |  |
﻿ | principal |  | with |  | with no |  | recorded |  | Related
﻿(dollars in thousands) | balance |  | allowance |  | allowance |  | investment |  | allowance
﻿March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Commercial and industrial | $ | 310 |  | $ | 310 |  | $ | - |  | $ | 310 |  | $ | 195
﻿Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Non-owner occupied |  | 1,098 |  |  | 203 |  |  | 628 |  |  | 831 |  |  | 118
﻿Owner occupied |  | 2,352 |  |  | 1,121 |  |  | 920 |  |  | 2,041 |  |  | 194
﻿Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Home equity installment |  | 104 |  |  | 39 |  |  | 23 |  |  | 62 |  |  | 1
﻿Home equity line of credit |  | 407 |  |  | 135 |  |  | 205 |  |  | 340 |  |  | 74
﻿Auto loans |  | 108 |  |  | - |  |  | 92 |  |  | 92 |  |  | -
﻿Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  | -
﻿Real estate |  | 1,044 |  |  | 627 |  |  | 339 |  |  | 966 |  |  | 137
﻿Total | $ | 5,423 |  | $ | 2,435 |  | $ | 2,207 |  | $ | 4,642 |  | $ | 719
﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  | Recorded |  | Recorded |  |  |  |  |  |
﻿ | Unpaid |  | investment |  | investment |  | Total |  |  |
﻿ | principal |  | with |  | with no |  | recorded |  | Related
﻿(dollars in thousands) | balance |  | allowance |  | allowance |  | investment |  | allowance
﻿December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Commercial and industrial | $ | 336 |  | $ | 336 |  | $ | - |  | $ | 336 |  | $ | 221
﻿Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Non-owner occupied |  | 1,047 |  |  | 333 |  |  | 591 |  |  | 924 |  |  | 232
﻿Owner occupied |  | 2,336 |  |  | 1,052 |  |  | 972 |  |  | 2,024 |  |  | 194
﻿Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Home equity installment |  | 106 |  |  | - |  |  | 65 |  |  | 65 |  |  | -
﻿Home equity line of credit |  | 362 |  |  | 88 |  |  | 206 |  |  | 294 |  |  | 87
﻿Auto loans |  | 32 |  |  | - |  |  | 16 |  |  | 16 |  |  | -
﻿Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  | -
﻿Real estate |  | 1,053 |  |  | 678 |  |  | 328 |  |  | 1,006 |  |  | 174
﻿Total | $ | 5,272 |  | $ | 2,487 |  | $ | 2,178 |  | $ | 4,665 |  | $ | 908
﻿ The following table presents the average recorded investments in impaired loans and related amount of interest income recognized during the periods indicated below. The average balances are calculated based on the quarter-end balances of impaired loans. Payments received from non-accruing impaired loans are first applied against the outstanding principal balance, then to the recovery of any charged-off amounts. Any excess is treated as a recovery of interest income. Payments received from accruing impaired loans are applied to principal and interest, as contractually agreed upon. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |
﻿ | March 31, 2020 |  | March 31, 2019
﻿ |  |  |  |  |  |  | Cash basis |  |  |  |  |  |  |  | Cash basis
﻿ | Average |  | Interest |  | interest |  | Average |  | Interest |  | interest
﻿ | recorded |  | income |  | income |  | recorded |  | income |  | income
﻿(dollars in thousands) | investment |  | recognized |  | recognized |  | investment |  | recognized |  | recognized
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Commercial and industrial | $ | 252 |  | $ | - |  | $ | - |  | $ | 178 |  | $ | 1 |  | $ | -
﻿Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Non-owner occupied |  | 884 |  |  | 6 |  |  | - |  |  | 1,701 |  |  | 8 |  |  | -
﻿Owner occupied |  | 2,327 |  |  | 6 |  |  | - |  |  | 2,589 |  |  | 10 |  |  | -
﻿Construction |  | - |  |  | - |  |  | - |  |  | 75 |  |  | - |  |  | -
﻿Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Home equity installment |  | 49 |  |  | - |  |  | - |  |  | 381 |  |  | - |  |  | -
﻿Home equity line of credit |  | 245 |  |  | - |  |  | - |  |  | 42 |  |  | - |  |  | -
﻿Auto Loans |  | 52 |  |  | - |  |  | - |  |  | 35 |  |  | - |  |  | -
﻿Other |  | - |  |  | - |  |  | - |  |  | 4 |  |  | - |  |  | -
﻿Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Real estate |  | 1,102 |  |  | - |  |  | - |  |  | 1,347 |  |  | 9 |  |  | -
﻿Total | $ | 4,911 |  | $ | 12 |  | $ | - |  | $ | 6,352 |  | $ | 28 |  | $ | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿
Credit Quality Indicator Loan Categories | Commercial credit exposure Credit risk profile by creditworthiness category ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |
﻿ | March 31, 2020
﻿(dollars in thousands) | Pass |  | Special mention |  | Substandard |  | Doubtful |  | Total
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Commercial and industrial | $ | 110,927 |  | $ | 1,820 |  | $ | 5,393 |  | $ | - |  | $ | 118,140
﻿Commercial real estate - non-owner occupied |  | 88,576 |  |  | 1,090 |  |  | 5,964 |  |  | - |  |  | 95,630
﻿Commercial real estate - owner occupied |  | 117,458 |  |  | 1,890 |  |  | 6,628 |  |  | - |  |  | 125,976
﻿Commercial real estate - construction |  | 2,389 |  |  | 56 |  |  | 751 |  |  | - |  |  | 3,196
﻿Total commercial | $ | 319,350 |  | $ | 4,856 |  | $ | 18,736 |  | $ | - |  | $ | 342,942
﻿ Consumer & Mortgage lending credit exposure Credit risk profile based on payment activity ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  | March 31, 2020
﻿(dollars in thousands) |  |  |  |  | Performing |  | Non-performing |  | Total
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Home equity installment |  |  |  |  |  |  | $ | 35,394 |  | $ | 62 |  | $ | 35,456
﻿Home equity line of credit |  |  |  |  |  |  |  | 46,510 |  |  | 340 |  |  | 46,850
﻿Auto loans |  |  |  |  |  |  |  | 102,121 |  |  | 92 |  |  | 102,213
﻿Direct finance leases (1) |  |  |  |  |  |  |  | 16,418 |  |  | - |  |  | 16,418
﻿Other |  |  |  |  |  |  |  | 7,025 |  |  | - |  |  | 7,025
﻿Total consumer |  |  |  |  |  |  |  | 207,468 |  |  | 494 |  |  | 207,962
﻿Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Real estate |  |  |  |  |  |  |  | 174,487 |  |  | 966 |  |  | 175,453
﻿Construction |  |  |  |  |  |  |  | 18,767 |  |  | - |  |  | 18,767
﻿Total residential |  |  |  |  |  |  |  | 193,254 |  |  | 966 |  |  | 194,220
﻿Total consumer & residential |  |  |  |  |  |  | $ | 400,722 |  | $ | 1,460 |  | $ | 402,182
(1)Net of unearned lease revenue of $0.9 million. ﻿ Commercial credit exposure Credit risk profile by creditworthiness category ﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ | December 31, 2019
﻿(dollars in thousands) | Pass |  | Special mention |  | Substandard |  | Doubtful |  | Total
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Commercial and industrial | $ | 115,585 |  | $ | 2,061 |  | $ | 4,948 |  | $ | - |  | $ | 122,594
﻿Commercial real estate - non-owner occupied |  | 92,016 |  |  | 1,360 |  |  | 6,425 |  |  | - |  |  | 99,801
﻿Commercial real estate - owner occupied |  | 121,887 |  |  | 2,065 |  |  | 6,606 |  |  | - |  |  | 130,558
﻿Commercial real estate - construction |  | 3,687 |  |  | 17 |  |  | 950 |  |  | - |  |  | 4,654
﻿Total commercial | $ | 333,175 |  | $ | 5,503 |  | $ | 18,929 |  | $ | - |  | $ | 357,607
﻿ Consumer & Mortgage lending credit exposure Credit risk profile based on payment activity ﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  | December 31, 2019
﻿(dollars in thousands) |  |  |  |  |  |  | Performing |  | Non-performing |  | Total
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Home equity installment |  |  |  |  |  |  | $ | 36,566 |  | $ | 65 |  | $ | 36,631
﻿Home equity line of credit |  |  |  |  |  |  |  | 46,988 |  |  | 294 |  |  | 47,282
﻿Auto loans |  |  |  |  |  |  |  | 105,854 |  |  | 16 |  |  | 105,870
﻿Direct finance leases (2) |  |  |  |  |  |  |  | 15,452 |  |  | - |  |  | 15,452
﻿Other |  |  |  |  |  |  |  | 5,634 |  |  | - |  |  | 5,634
﻿Total consumer |  |  |  |  |  |  |  | 210,494 |  |  | 375 |  |  | 210,869
﻿Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Real estate |  |  |  |  |  |  |  | 166,158 |  |  | 1,006 |  |  | 167,164
﻿Construction |  |  |  |  |  |  |  | 17,770 |  |  | - |  |  | 17,770
﻿Total residential |  |  |  |  |  |  |  | 183,928 |  |  | 1,006 |  |  | 184,934
﻿Total consumer & residential |  |  |  |  |  |  | $ | 394,422 |  | $ | 1,381 |  | $ | 395,803
(2)Net of unearned lease revenue of $0.9 million.
Schedule of Change in Allowance for Loan Losses and the Recorded Investment in Loans | ﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿As of and for the three months ended March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ | Commercial & |  | Commercial |  |  |  |  | Residential |  |  |  |  |  |
﻿(dollars in thousands) | industrial |  | real estate |  | Consumer |  | real estate |  | Unallocated |  | Total
﻿Allowance for Loan Losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Beginning balance | $ | 1,484 |  | $ | 3,933 |  | $ | 2,013 |  | $ | 2,278 |  | $ | 39 |  | $ | 9,747
﻿Charge-offs |  | (64) |  |  | (163) |  |  | (43) |  |  | (31) |  |  | - |  |  | (301)
﻿Recoveries |  | 12 |  |  | 2 |  |  | 64 |  |  | 193 |  |  | - |  |  | 271
﻿Provision |  | 121 |  |  | 171 |  |  | 60 |  |  | (47) |  |  | (5) |  |  | 300
﻿Ending balance | $ | 1,553 |  | $ | 3,943 |  | $ | 2,094 |  | $ | 2,393 |  | $ | 34 |  | $ | 10,017
﻿Ending balance: individually evaluated for impairment | $ | 195 |  | $ | 312 |  | $ | 75 |  | $ | 137 |  | $ | - |  | $ | 719
﻿Ending balance: collectively evaluated for impairment | $ | 1,358 |  | $ | 3,631 |  | $ | 2,019 |  | $ | 2,256 |  | $ | 34 |  | $ | 9,298
﻿Loans Receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Ending balance (2) | $ | 118,140 |  | $ | 224,802 |  | $ | 207,962 | (1) | $ | 194,220 |  | $ | - |  | $ | 745,124
﻿Ending balance: individually evaluated for impairment | $ | 310 |  | $ | 2,872 |  | $ | 494 |  | $ | 966 |  | $ | - |  | $ | 4,642
﻿Ending balance: collectively evaluated for impairment | $ | 117,830 |  | $ | 221,930 |  | $ | 207,468 |  | $ | 193,254 |  | $ | - |  | $ | 740,482
(1) Net of unearned lease revenue of $0.9 million. (2) Includes $3.0 million of net deferred loan costs. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿As of and for the year ended December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ | Commercial & |  | Commercial |  |  |  | Residential |  |  |  |  |  |
﻿(dollars in thousands) | industrial |  | real estate |  | Consumer |  | real estate |  | Unallocated |  | Total
﻿Allowance for Loan Losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Beginning balance | $ | 1,432 |  | $ | 3,901 |  | $ | 2,548 |  | $ | 1,844 |  | $ | 22 |  | $ | 9,747
﻿Charge-offs |  | (184) |  |  | (597) |  |  | (398) |  |  | (330) |  |  | - |  |  | (1,509)
﻿Recoveries |  | 32 |  |  | 317 |  |  | 67 |  |  | 8 |  |  | - |  |  | 424
﻿Provision |  | 204 |  |  | 312 |  |  | (204) |  |  | 756 |  |  | 17 |  |  | 1,085
﻿Ending balance | $ | 1,484 |  | $ | 3,933 |  | $ | 2,013 |  | $ | 2,278 |  | $ | 39 |  | $ | 9,747
﻿Ending balance: individually evaluated for impairment | $ | 221 |  | $ | 426 |  | $ | 87 |  | $ | 174 |  | $ | - |  | $ | 908
﻿Ending balance: collectively evaluated for impairment | $ | 1,263 |  | $ | 3,507 |  | $ | 1,926 |  | $ | 2,104 |  | $ | 39 |  | $ | 8,839
﻿Loans Receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Ending balance (2) | $ | 122,594 |  | $ | 235,013 |  | $ | 210,869 | (1) | $ | 184,934 |  | $ | - |  | $ | 753,410
﻿Ending balance: individually evaluated for impairment | $ | 336 |  | $ | 2,948 |  | $ | 375 |  | $ | 1,006 |  | $ | - |  | $ | 4,665
﻿Ending balance: collectively evaluated for impairment | $ | 122,258 |  | $ | 232,065 |  | $ | 210,494 |  | $ | 183,928 |  | $ | - |  | $ | 748,745
(1) Net of unearned lease revenue of $0.9 million. (2) Includes $3.0 million of net deferred loan costs. ﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿As of and for the three months ended March 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ | Commercial & |  | Commercial |  |  |  |  | Residential |  |  |  |  |  |
﻿(dollars in thousands) | industrial |  | real estate |  | Consumer |  | real estate |  | Unallocated |  | Total
﻿Allowance for Loan Losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Beginning balance | $ | 1,432 |  | $ | 3,901 |  | $ | 2,548 |  | $ | 1,844 |  | $ | 22 |  | $ | 9,747
﻿Charge-offs |  | (28) |  |  | (361) |  |  | (89) |  |  | (35) |  |  | - |  |  | (513)
﻿Recoveries |  | 6 |  |  | 2 |  |  | 25 |  |  | - |  |  | - |  |  | 33
﻿Provision |  | (3) |  |  | 485 |  |  | (354) |  |  | 101 |  |  | 26 |  |  | 255
﻿Ending balance | $ | 1,407 |  | $ | 4,027 |  | $ | 2,130 |  | $ | 1,910 |  | $ | 48 |  | $ | 9,522
﻿
Undiscounted Cash Flows to be Received on Annual Basis for Direct Finance Leases |
﻿ |  |
﻿ |  |
﻿(dollars in thousands) | Amount
﻿ |  |
﻿2020 | $ | 5,344
﻿2021 |  | 6,005
﻿2022 |  | 3,720
﻿2023 |  | 2,039
﻿2024 |  | 248
﻿Total future minimum lease payments receivable |  | 17,356
﻿Less: Unearned income |  | (938)
﻿Undiscounted cash flows to be received | $ | 16,418
﻿ |  |
﻿

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