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Loans And Related Allowances For Loan Losses (Tables)

12 Months Ended

Dec. 31, 2017

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, 2017 and December 31, 2016:



(in thousands)	Commercial Real Estate		Acquisition and Development		Commercial and Industrial		Residential Mortgage		Consumer		Total
December 31, 2017

   Individually evaluated for impairment	$	9,076	$	976	$	668	$	4,201	$	30	$	14,951
   Collectively evaluated for impairment	$	274,086	$	109,554	$	76,055	$	394,447	$	23,425	$	877,567
Total loans	$	283,162	$	110,530	$	76,723	$	398,648	$	23,455	$	892,518

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



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)		2017
Balance at January 1	$	10,292
Loans or advances		633
Repayments		(1,876)
Balance at December 31	$	9,049



Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating


(in thousands)	Pass		Special Mention		Substandard		Total
December 31, 2017
  Commercial real estate
     Non owner-occupied	$	133,725	$	0	$	5,843	$	139,568
     All other CRE		132,003		3,963		7,628		143,594
  Acquisition and development
     1-4 family residential construction		17,719		0		0		17,719
     All other A&D		84,345		7,294		1,172		92,811
  Commercial and industrial		75,299		17		1,407		76,723
  Residential mortgage
     Residential mortgage - term		319,059		0		5,326		324,385
     Residential mortgage – home equity		73,059		148		1,056		74,263
  Consumer		23,391		5		59		23,455
        Total	$	858,600	$	11,427	$	22,491	$	892,518

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



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, 2017
  Commercial real estate
     Non owner-occupied	$	136,134	$	186	$	0	$	0	$	186	$	3,248	$	139,568
     All other CRE		141,680		461		248		0		709		1,205		143,594
  Acquisition and development
     1-4 family residential construction		17,719		0		0		0		0		0		17,719
     All other A&D		92,291		0		165		144		309		211		92,811
  Commercial and industrial		76,322		0		17		6		23		378		76,723
  Residential mortgage
     Residential mortgage - term		319,633		322		2,534		430		3,286		1,466		324,385
     Residential mortgage – home equity		72,683		600		400		0		1,000		580		74,263
  Consumer		23,273		115		22		15		152		30		23,455
        Total	$	879,735	$	1,684	$	3,386	$	595	$	5,665	$	7,118	$	892,518
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



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, 2017

   Individually evaluated for impairment	$	245	$	40	$	0	$	65	$	12	$	0	$	362
   Collectively evaluated for impairment	$	3,454	$	1,217	$	869	$	3,379	$	191	$	500	$	9,610
Total ALL	$	3,699	$	1,257	$	869	$	3,444	$	203	$	500	$	9,972

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



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, 2017
  Commercial real estate
     Non owner-occupied	$	1,711	$	245	$	1,907	$	3,618	$	10,579
     All other CRE		0		0		5,458		5,458		5,731
  Acquisition and development
     1-4 family residential construction		0		0		527		527		527
     All other A&D		295		40		154		449		722
  Commercial and industrial		0		0		668		668		2,882
  Residential mortgage
     Residential mortgage - term		598		65		3,023		3,621		3,919
     Residential mortgage – home equity		0		0		580		580		593
  Consumer		30		12		0		30		30
        Total impaired loans	$	2,634	$	362	$	12,317	$	14,951	$	24,983

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



Allowance for Loan Losses Summarized by Loan Portfolio Segments

Activity in the ALL is presented for the years ended December 31, 2017 and December 31, 2016:







(in thousands)	Commercial Real Estate		Acquisition and Development		Commercial and Industrial		Residential Mortgage		Consumer			Unallocated	Total
ALL balance at January 1, 2017	$	3,913	$	871	$	858	$	3,588	$	188	$	500	$	9,918
Charge-offs		(4,605)		(133)		(37)		(361)		(336)		0		(5,472)
Recoveries		452		255		1,683		392		210		0		2,992
Provision		3,939		264		(1,635)		(175)		141		0		2,534
ALL balance at December 31, 2017	$	3,699	$	1,257	$	869	$	3,444	$	203	$	500	$	9,972

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



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, 2017 and 2016:







	2017						2016
(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	$	5,727	$	24	$	30	$	6,076	$	131	$	0
     All other CRE		7,743		205		0		11,802		187		8
  Acquisition and development
     1-4 family residential construction		571		24		0		629		27		0
     All other A&D		1,571		85		0		2,735		95		0
  Commercial and industrial		448		13		0		934		37		0
  Residential mortgage
     Residential mortgage - term		3,792		131		8		4,580		163		16
     Residential mortgage – home equity		305		0		0		272		0		0
  Consumer		15		0		0		0		0		0
        Total	$	20,172	$	482	$	38	$	27,028	$	640	$	24



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, 2017
  Commercial real estate
     Non owner-occupied	0	$	0	0	$	0	0	$	0
     All other CRE	0		0	0		0	0		0
  Acquisition and development
     1-4 family residential construction	0		0	0		0	0		0
     All other A&D	0		0	1		244	0		0
  Commercial and industrial	0		0	0		0	0		0
  Residential mortgage
     Residential mortgage – term	0		0	2		698	0		0
     Residential mortgage – home equity	0		0	0		0	0		0
  Consumer	0		0	0		0	0		0
        Total	0	$	0	3	$	942	0	$	0

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



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