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Loans And Related Allowances For Loan Losses (Tables)

12 Months Ended

Dec. 31, 2018

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, 2018 and December 31, 2017:



(in thousands)	Commercial Real Estate		Acquisition and Development		Commercial and Industrial		Residential Mortgage		Consumer		Total
December 31, 2018

   Individually evaluated for impairment	$	5,239	$	693	$	17	$	4,616	$	10	$	10,575
   Collectively evaluated for impairment	$	301,682	$	117,667	$	111,449	$	432,291	$	34,050	$	997,139
Total loans	$	306,921	$	118,360	$	111,466	$	436,907	$	34,060	$	1,007,714

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



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)		2018
Balance at January 1	$	9,049
Loans or advances		1,330
Repayments		(1,430)
Balance at December 31	$	8,949



Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating


(in thousands)	Pass		Special Mention		Substandard		Total
December 31, 2018
  Commercial real estate
     Non owner-occupied	$	145,260	$	2,904	$	2,348	$	150,512
     All other CRE		149,076		1,752		5,581		156,409
  Acquisition and development
     1-4 family residential construction		16,003		0		0		16,003
     All other A&D		94,428		7,378		551		102,357
  Commercial and industrial		107,174		3,703		589		111,466
  Residential mortgage
     Residential mortgage - term		359,305		0		4,703		364,008
     Residential mortgage – home equity		71,666		143		1,090		72,899
  Consumer		33,952		4		104		34,060
        Total	$	976,864	$	15,884	$	14,966	$	1,007,714

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



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, 2018
  Commercial real estate
     Non owner-occupied	$	150,339	$	0	$	0	$	0	$	0	$	173	$	150,512
     All other CRE		153,977		464		0		0		464		1,968		156,409
  Acquisition and development
     1-4 family residential construction		16,003		0		0		0		0		0		16,003
     All other A&D		94,540		197		7,411		62		7,670		147		102,357
  Commercial and industrial		111,436		29		1		0		30		0		111,466
  Residential mortgage
     Residential mortgage - term		360,073		302		1,359		363		2,024		1,911		364,008
     Residential mortgage – home equity		71,611		461		114		0		575		713		72,899
  Consumer		33,832		140		73		5		218		10		34,060
        Total	$	991,811	$	1,593	$	8,958	$	430	$	10,981	$	4,922	$	1,007,714
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



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, 2018

   Individually evaluated for impairment	$	13	$	25	$	0	$	106	$	0	$	0	$	144
   Collectively evaluated for impairment	$	2,767	$	1,696	$	1,187	$	4,438	$	315	$	500	$	10,903
Total ALL	$	2,780	$	1,721	$	1,187	$	4,544	$	315	$	500	$	11,047

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



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, 2018
  Commercial real estate
     Non owner-occupied	$	121	$	13	$	173	$	294	$	8,488
     All other CRE		0		0		4,945		4,945		4,945
  Acquisition and development
     1-4 family residential construction		0		0		316		316		316
     All other A&D		230		25		147		377		525
  Commercial and industrial		0		0		17		17		2,231
  Residential mortgage
     Residential mortgage - term		993		106		2,910		3,903		4,130
     Residential mortgage – home equity		0		0		713		713		726
  Consumer		0		0		10		10		10
        Total impaired loans	$	1,344	$	144	$	9,231	$	10,575	$	21,371

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



Allowance for Loan Losses Summarized by Loan Portfolio Segments

Activity in the ALL is presented for the years ended December 31, 2018 and December 31, 2017:







(in thousands)	Commercial Real Estate		Acquisition and Development		Commercial and Industrial		Residential Mortgage		Consumer			Unallocated	Total
ALL balance at January 1, 2018	$	3,699	$	1,257	$	869	$	3,444	$	203	$	500	$	9,972
Charge-offs		(1,298)		(170)		(32)		(368)		(422)		0		(2,290)
Recoveries		319		344		89		353		149		0		1,254
Provision		60		290		261		1,115		385		0		2,111
ALL balance at December 31, 2018	$	2,780	$	1,721	$	1,187	$	4,544	$	315	$	500	$	11,047

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



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, 2018 and 2017:







	2018						2017
(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	$	1,432	$	12	$	66	$	5,727	$	24	$	30
     All other CRE		5,385		195		59		7,743		205		0
  Acquisition and development
     1-4 family residential construction		443		24		0		571		24		0
     All other A&D		355		12		0		1,571		85		0
  Commercial and industrial		265		13		0		448		13		0
  Residential mortgage
     Residential mortgage - term		3,632		124		2		3,792		131		8
     Residential mortgage – home equity		611		0		7		305		0		0
  Consumer		22		0		0		15		0		0
        Total	$	12,145	$	380	$	134	$	20,172	$	482	$	38



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, 2018
  Commercial real estate
     Non owner-occupied	0	$	0	0	$	0	3	$	358
     All other CRE	0		0	1		179	0		0
  Acquisition and development
     1-4 family residential construction	0		0	1		387	0		0
     All other A&D	0		0	0		0	0		0
  Commercial and industrial	0		0	0		0	0		0
  Residential mortgage
     Residential mortgage – term	0		0	0		0	1		435
     Residential mortgage – home equity	0		0	0		0	0		0
  Consumer	0		0	0		0	0		0
        Total	0	$	0	2	$	566	4	$	793

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



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