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Loans And Related Allowances For Loan Losses (Tables)

12 Months Ended

Dec. 31, 2016

Loans and Related Allowances for Loan Losses [Abstract]

Loan Portfolio Segments

The following table summarizes the primary segments of the loan portfolio as of December 31, 2016 and December 31, 2015:



(in thousands)	Commercial Real Estate		Acquisition and Development		Commercial and Industrial		Residential Mortgage		Consumer		Total
December 31, 2016

   Individually evaluated for impairment	$	17,210	$	2,525	$	290	$	3,975	$	0	$	24,000
   Collectively evaluated for impairment	$	280,749	$	101,757	$	72,056	$	389,441	$	23,923	$	867,926
Total loans	$	297,959	$	104,282	$	72,346	$	393,416	$	23,923	$	891,926

December 31, 2015

   Individually evaluated for impairment	$	14,646	$	4,496	$	1,076	$	4,590	$	0	$	24,808
   Collectively evaluated for impairment	$	265,859	$	106,490	$	72,777	$	384,149	$	24,940	$	854,215
Total loans	$	280,505	$	110,986	$	73,853	$	388,739	$	24,940	$	879,023



Schedule of Related Party Transactions

Changes in the dollar amount of loans outstanding to officers, directors and their associates were as follows for the year ended December 31:







(in thousands)		2016
Balance at January 1	$	11,393
Loans or advances		915
Repayments		(2,016)
Balance at December 31	$	10,292



Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating


(in thousands)	Pass		Special Mention		Substandard		Total
December 31, 2016
  Commercial real estate
     Non owner-occupied	$	137,181	$	10,620	$	9,357	$	157,158
     All other CRE		125,720		3,121		11,960		140,801
  Acquisition and development
     1-4 family residential construction		15,845		0		0		15,845
     All other A&D		87,135		65		1,237		88,437
  Commercial and industrial		70,613		593		1,140		72,346
  Residential mortgage
     Residential mortgage - term		308,734		113		7,618		316,465
     Residential mortgage – home equity		75,710		0		1,241		76,951
  Consumer		23,794		0		129		23,923
        Total	$	844,732	$	14,512	$	32,682	$	891,926

December 31, 2015
  Commercial real estate
     Non owner-occupied	$	140,378	$	11,574	$	7,378	$	159,330
     All other CRE		103,811		1,184		16,180		121,175
  Acquisition and development
     1-4 family residential construction		15,011		0		700		15,711
     All other A&D		89,963		74		5,238		95,275
  Commercial and industrial		69,420		1,212		3,221		73,853
  Residential mortgage
     Residential mortgage - term		300,558		167		10,744		311,469
     Residential mortgage – home equity		75,491		0		1,779		77,270
  Consumer		24,881		0		59		24,940
        Total	$	819,513	$	14,211	$	45,299	$	879,023



Loan Portfolio Summarized by the Past Due Status



(in thousands)	Current		30-59 Day Past Due		60-89 Days Past Due		90 Days+ Past Due		Total Past Due and still accruing		Non-Accrual		Total Loans
December 31, 2016
  Commercial real estate
     Non owner-occupied	$	150,595	$	182	$	0	$	0	$	182	$	6,381	$	157,158
     All other CRE		134,931		40		0		0		40		5,830		140,801
  Acquisition and development
     1-4 family residential construction		15,845		0		0		0		0		0		15,845
     All other A&D		88,353		0		39		0		39		45		88,437
  Commercial and industrial		72,324		9		2		11		22		0		72,346
  Residential mortgage
     Residential mortgage - term		310,721		517		3,376		312		4,205		1,539		316,465
     Residential mortgage – home equity		75,558		974		198		70		1,242		151		76,951
  Consumer		23,662		186		48		27		261		0		23,923
        Total	$	871,989	$	1,908	$	3,663	$	420	$	5,991	$	13,946	$	891,926
December 31, 2015
  Commercial real estate
     Non owner-occupied	$	157,217	$	634	$	171	$	0	$	805	$	1,308	$	159,330
     All other CRE		110,022		1,179		0		0		1,179		9,974		121,175
  Acquisition and development
     1-4 family residential construction		15,711		0		0		0		0		0		15,711
     All other A&D		93,284		0		174		0		174		1,817		95,275
  Commercial and industrial		73,619		13		36		0		49		185		73,853
  Residential mortgage
     Residential mortgage - term		306,248		227		2,149		907		3,283		1,938		311,469
     Residential mortgage – home equity		76,195		505		203		91		799		276		77,270
  Consumer		24,604		224		85		27		336		0		24,940
        Total	$	856,900	$	2,782	$	2,818	$	1,025	$	6,625	$	15,498	$	879,023



Primary Segments of the Allowance for Loan Loss


(in thousands)	Commercial Real Estate		Acquisition and Development		Commercial and Industrial		Residential Mortgage		Consumer			Unallocated	Total
December 31, 2016

   Individually evaluated for impairment	$	177	$	40	$	0	$	43	$	0	$	0	$	260
   Collectively evaluated for impairment	$	3,736	$	831	$	858	$	3,545	$	188	$	500	$	9,658
Total ALL	$	3,913	$	871	$	858	$	3,588	$	188	$	500	$	9,918

December 31, 2015

   Individually evaluated for impairment	$	144	$	867	$	16	$	130	$	0	$	0	$	1,157
   Collectively evaluated for impairment	$	2,436	$	3,262	$	706	$	3,655	$	206	$	500	$	10,765
Total ALL	$	2,580	$	4,129	$	722	$	3,785	$	206	$	500	$	11,922



Impaired Loans and Related Interest Income by Loan Portfolio Class


		Impaired Loans with Specific Allowance				Impaired Loans with No Specific Allowance		Total Impaired Loans
(in thousands)		Recorded Investment		Related Allowances		Recorded Investment		Recorded Investment		Unpaid Principal Balance
December 31, 2016
  Commercial real estate
     Non owner-occupied	$	131	$	23	$	6,635	$	6,766	$	9,372
     All other CRE		432		154		10,012		10,444		11,057
  Acquisition and development
     1-4 family residential construction		0		0		582		582		628
     All other A&D		245		40		1,698		1,943		2,213
  Commercial and industrial		0		0		290		290		2,504
  Residential mortgage
     Residential mortgage - term		61		43		3,763		3,824		4,249
     Residential mortgage – home equity		0		0		151		151		168
  Consumer		0		0		0		0		0
        Total impaired loans	$	869	$	260	$	23,131	$	24,000	$	30,191

December 31, 2015
  Commercial real estate
     Non owner-occupied	$	676	$	144	$	1,031	$	1,707	$	1,842
     All other CRE		0		0		12,939		12,939		13,302
  Acquisition and development
     1-4 family residential construction		700		178		0		700		746
     All other A&D		1,979		689		1,817		3,796		8,362
  Commercial and industrial		16		16		1,060		1,076		3,343
  Residential mortgage
     Residential mortgage - term		440		112		3,874		4,314		4,808
     Residential mortgage – home equity		57		18		219		276		297
  Consumer		0		0		0		0		0
        Total impaired loans	$	3,868	$	1,157	$	20,940	$	24,808	$	32,700



Allowance for Loan Losses Summarized by Loan Portfolio Segments

Activity in the ALL is presented for the years ended December 31, 2016 and December 31, 2015:







(in thousands)	Commercial Real Estate		Acquisition and Development		Commercial and Industrial		Residential Mortgage		Consumer			Unallocated	Total
ALL balance at January 1, 2016	$	2,580	$	4,129	$	722	$	3,785	$	206	$	500	$	11,922
Charge-offs		(5,301)		(248)		(558)		(737)		(333)		0		(7,177)
Recoveries		90		1,303		52		461		145		0		2,051
Provision		6,544		(4,313)		642		79		170		0		3,122
ALL balance at December 31, 2016	$	3,913	$	871	$	858	$	3,588	$	188	$	500	$	9,918

ALL balance at January 1, 2015	$	2,424	$	3,912	$	1,680	$	3,862	$	187	$	0	$	12,065
Charge-offs		(420)		(1,261)		(26)		(300)		(307)		0		(2,314)
Recoveries		283		382		26		217		209		0		1,117
Provision		293		1,096		(958)		6		117		500		1,054
ALL balance at December 31, 2015	$	2,580	$	4,129	$	722	$	3,785	$	206	$	500	$	11,922



Average of Impaired Loans and Related Interest Income by Loan Portfolio Class

The following table presents the average recorded investment in impaired loans and related interest income recognized for the years ended December 31, 2016 and 2015:







	2016						2015
(in thousands)	Average investment		Interest income recognized on an accrual basis		Interest income recognized on a cash basis		Average investment		Interest income recognized on an accrual basis		Interest income recognized on a cash basis
  Commercial real estate
     Non owner-occupied	$	6,076	$	131	$	0	$	3,792	$	144	$	0
     All other CRE		11,802		187		8		8,688		124		106
  Acquisition and development
     1-4 family residential construction		629		27		0		736		33		0
     All other A&D		2,735		95		0		5,008		119		0
  Commercial and industrial		934		37		0		1,392		69		18
  Residential mortgage
     Residential mortgage - term		4,580		163		16		4,258		164		10
     Residential mortgage – home equity		272		0		0		334		0		2
  Consumer		0		0		0		6		0		0
        Total	$	27,028	$	640	$	24	$	24,214	$	653	$	136



Modification of Troubled Debt Restructuring by Class

The following table presents the volume and recorded investment at the time of modification of TDRs by class and type of modification that occurred during the periods indicated:







	Temporary Rate Modification			Extension of Maturity			Modification of Payment and Other Terms
	Number of Contracts	Recorded Investment		Number of Contracts	Recorded Investment		Number of Contracts	Recorded Investment
(Dollars in thousands)
For the year ended December 31, 2016
  Commercial real estate
     Non owner-occupied	0	$	0	0	$	0	0	$	0
     All other CRE	0		0	1		203	0		0
  Acquisition and development
     1-4 family residential construction	0		0	1		582	0		0
     All other A&D	0		0	1		1,664	0		0
  Commercial and industrial	0		0	1		482	1		486
  Residential mortgage
     Residential mortgage – term	3		260	1		61	3		469
     Residential mortgage – home equity	0		0	0		0	0		0
  Consumer	0		0	0		0	0		0
        Total	3	$	260	5	$	2,992	4	$	955

For the year ended December 31, 2015
  Commercial real estate
     Non owner-occupied	0	$	0	1	$	3,097	2	$	260
     All other CRE	0		0	1		237	5		3,847
  Acquisition and development
     1-4 family residential construction	0		0	0		0	1		700
     All other A&D	0		0	3		372	1		1,746
  Commercial and industrial	0		0	1		930	0		0
  Residential mortgage
     Residential mortgage – term	1		156	3		741	1		116
     Residential mortgage – home equity	0		0	0		0	0		0
  Consumer	0		0	0		0	0		0
        Total	1	$	156	9	$	5,377	10	$	6,669



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