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Loans And Related Allowances For Loan Losses (Tables)
 9 Months Ended
Sep. 30, 2020
Loans And Related Allowances For Loan Losses [Abstract]  
Loan Portfolio Segments

(in thousands)

Commercial
‎Real Estate

Acquisition
‎and
‎Development

Commercial
‎and
‎Industrial

Residential
‎Mortgage

Consumer

Total

September 30, 2020

Individually evaluated for impairment

$

3,380

$

7,932

$

—

$

3,170

$

31

$

14,513

Collectively evaluated for impairment

$

349,892

$

119,367

$

277,723

$

395,539

$

35,311

$

1,177,832

Total loans

$

353,272

$

127,299

$

277,723

$

398,709

$

35,342

$

1,192,345

December 31, 2019

Individually evaluated for impairment

$

3,179

$

8,570

$

30

$

3,391

$

4

$

15,174

Collectively evaluated for impairment

$

332,325

$

109,320

$

122,322

$

435,033

$

36,195

$

1,035,195

Total loans

$

335,504

$

117,890

$

122,352

$

438,424

$

36,199

$

1,050,369
Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating

(in thousands)

Pass

Special
‎Mention

Substandard

Total

September 30, 2020

Commercial real estate

Non owner-occupied

$

165,472

$

9,204

$

1,772

$

176,448

All other CRE

166,899

3,358

6,567

176,824

Acquisition and development

1-4 family residential construction

21,684

—

—

21,684

All other A&D

98,057

17

7,541

105,615

Commercial and industrial

260,294

5,005

12,424

277,723

Residential mortgage

Residential mortgage - term

328,232

287

6,157

334,676

Residential mortgage - home equity

63,100

—

933

64,033

Consumer

35,226

3

113

35,342

Total

$

1,138,964

$

17,874

$

35,507

$

1,192,345

December 31, 2019

Commercial real estate

Non owner-occupied

$

164,584

$

2,765

$

1,864

$

169,213

All other CRE

157,407

6,556

2,328

166,291

Acquisition and development

1-4 family residential construction

10,781

—

—

10,781

All other A&D

98,823

18

8,268

107,109

Commercial and industrial

116,221

2,896

3,235

122,352

Residential mortgage

Residential mortgage - term

364,150

59

5,597

369,806

Residential mortgage - home equity

67,143

139

1,336

68,618

Consumer

36,047

4

148

36,199

Total

$

1,015,156

$

12,437

$

22,776

$

1,050,369
Loan Portfolio Summarized by the Past Due Status

(in thousands)

Current

30-59 Days
‎Past Due

60-89 Days
‎Past Due

90 Days+
‎Past Due

Total Past
‎Due and
‎Accruing

Non-
‎Accrual

Total Loans

September 30, 2020

Commercial real estate

Non owner-occupied

$

176,439

$

—

$

—

$

—

$

—

$

9

$

176,448

All other CRE

175,906

—

—

—

—

918

176,824

Acquisition and development

1-4 family residential construction

21,684

—

—

—

—

—

21,684

All other A&D

98,157

—

—

11

11

7,447

105,615

Commercial and industrial

271,012

6,711

—

—

6,711

—

277,723

Residential mortgage

Residential mortgage - term

331,474

65

951

726

1,742

1,460

334,676

Residential mortgage - home equity

63,435

43

—

76

119

479

64,033

Consumer

35,218

58

35

—

93

31

35,342

Total

$

1,173,325

$

6,877

$

986

$

813

$

8,676

$

10,344

$

1,192,345

December 31, 2019

Commercial real estate

Non owner-occupied

$

169,180

$

—

$

—

$

—

$

—

$

33

$

169,213

All other CRE

165,289

—

355

—

355

647

166,291

Acquisition and development

1-4 family residential construction

10,781

—

—

—

—

—

10,781

All other A&D

98,916

—

—

135

135

8,058

107,109

Commercial and industrial

122,050

272

—

—

272

30

122,352

Residential mortgage

Residential mortgage - term

366,882

267

967

471

1,705

1,219

369,806

Residential mortgage - home equity

67,121

288

286

65

639

858

68,618

Consumer

35,834

261

46

54

361

4

36,199

Total

$

1,036,053

$

1,088

$

1,654

$

725

$

3,467

$

10,849

$

1,050,369
Primary Segments of the Allowance for Loan Loss

(in thousands)

Commercial
‎Real Estate

Acquisition
‎and
‎Development

Commercial
‎and
‎Industrial

Residential
‎Mortgage

Consumer

Unallocated

Total

September 30, 2020

Individually evaluated
‎for impairment

$

5

$

42

$

—

$

25

$

—

$

—

$

72

Collectively evaluated
‎for impairment

$

5,289

$

2,381

$

2,184

$

5,382

$

381

$

500

$

16,117

Total ALL

$

5,294

$

2,423

$

2,184

$

5,407

$

381

$

500

$

16,189

December 31, 2019

Individually evaluated
‎for impairment

$

9

$

2,142

$

—

$

22

$

—

$

—

$

2,173

Collectively evaluated
‎for impairment

$

2,873

$

1,532

$

1,341

$

3,806

$

312

$

500

$

10,364

Total ALL

$

2,882

$

3,674

$

1,341

$

3,828

$

312

$

500

$

12,537
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

September 30, 2020

Commercial real estate

Non owner-occupied

$

113

$

5

$

9

$

122

$

8,127

All other CRE

—

—

3,258

3,258

3,258

Acquisition and development

1-4 family residential construction

—

—

272

272

272

All other A&D

392

42

7,268

7,660

8,812

Commercial and industrial

—

—

—

—

2,214

Residential mortgage

Residential mortgage – term

744

25

1,947

2,691

2,862

Residential mortgage – home equity

—

—

479

479

493

Consumer

31

—

—

31

56

Total impaired loans

$

1,280

$

72

$

13,233

$

14,513

$

26,094

December 31, 2019

Commercial real estate

Non owner-occupied

$

116

$

9

$

33

$

149

$

8,224

All other CRE

—

—

3,030

3,030

3,030

Acquisition and development

1-4 family residential construction

—

—

291

291

291

All other A&D

8,219

2,142

60

8,279

8,340

Commercial and industrial

—

—

30

30

2,266

Residential mortgage

Residential mortgage – term

865

22

1,668

2,533

2,724

Residential mortgage – home equity

—

—

858

858

986

Consumer

—

—

4

4

4

Total impaired loans

$

9,200

$

2,173

$

5,974

$

15,174

$

25,865
Allowance for Loan Losses Summarized by Loan Portfolio Segments

(in thousands)

Commercial
‎Real Estate

Acquisition
‎and
‎Development

Commercial
‎and
‎Industrial

Residential
‎Mortgage

Consumer

Unallocated

Total

ALL balance at January 1, 2020

$

2,882

$

3,674

$

1,341

$

3,828

$

312

$

500

$

12,537

Charge-offs

—

(1,144)

(232)

(108)

(274)

—

(1,758)

Recoveries

69

29

149

66

116

—

429

Provision

2,343

(136)

926

1,621

227

—

4,981

ALL balance at September 30, 2020

$

5,294

$

2,423

$

2,184

$

5,407

$

381

$

500

$

16,189

ALL balance at January 1, 2019

$

2,780

$

1,721

$

1,187

$

4,544

$

315

$

500

$

11,047

Charge-offs

—

(29)

(75)

(86)

(212)

—

(402)

Recoveries

67

132

77

259

122

—

657

Provision

(162)

1,556

6

(818)

87

—

669

ALL balance at September 30, 2019

$

2,685

$

3,380

$

1,195

$

3,899

$

312

$

500

$

11,971

(in thousands)

Commercial
‎Real Estate

Acquisition
‎and
‎Development

Commercial
‎and
‎Industrial

Residential
‎Mortgage

Consumer

Unallocated

Total

ALL balance at July 1, 2020

$

4,527

$

4,498

$

1,997

$

5,106

$

386

$

500

$

17,014

Charge-offs

—

(1,113)

—

(10)

(51)

—

(1,174)

Recoveries

3

7

133

18

28

—

189

Provision

764

(969)

54

293

18

—

160

ALL balance at September 30, 2020

$

5,294

$

2,423

$

2,184

$

5,407

$

381

$

500

$

16,189

ALL balance at July 1, 2019

$

2,735

$

3,294

$

1,147

$

3,981

$

319

$

500

$

11,976

Charge-offs

—

—

(70)

—

(76)

—

(146)

Recoveries

37

21

1

64

31

—

154

Provision

(87)

65

117

(146)

38

—

(13)

ALL balance at September 30, 2019

$

2,685

$

3,380

$

1,195

$

3,899

$

312

$

500

$

11,971
Average of Impaired Loans and Related Interest Income by Loan Portfolio Class

Nine months ended

Nine months ended

September 30, 2020

September 30, 2019

(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

$

134

$

6

$

—

$

241

$

9

$

—

All other CRE

3,201

109

—

4,644

113

68

Acquisition and development

1-4 family residential construction

282

9

—

232

10

—

All other A&D

8,243

9

1

6,062

12

—

Commercial and industrial

16

—

—

25

—

—

Residential mortgage

Residential mortgage – term

2,531

62

—

3,082

75

10

Residential mortgage – home equity

651

—

3

873

—

4

Consumer

18

—

—

12

—

—

Total

$

15,076

$

195

$

4

$

15,171

$

219

$

82

Three months ended

Three months ended

September 30, 2020

September 30, 2019

(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

$

127

$

3

$

—

$

201

$

3

$

—

All other CRE

3,278

36

—

4,773

37

68

Acquisition and development

1-4 family residential construction

276

3

—

152

1

—

All other A&D

8,158

3

—

8,085

6

—

Commercial and industrial

18

—

—

27

—

—

Residential mortgage

Residential mortgage – term

2,565

19

—

2,701

22

—

Residential mortgage – home equity

474

—

—

928

—

2

Consumer

33

—

—

7

—

—

Total

$

14,929

$

64

$

—

$

16,874

$

69

$

70
Modification of Troubled Debt Restructuring by Class

Temporary Rate
‎Modification

Extension of Maturity

Modification of Payment
‎and Other Terms

(in thousands)

Number of
‎Contracts

Recorded
‎Investment

Number of
‎Contracts

Recorded
‎Investment

Number of
‎Contracts

Recorded
‎Investment

Nine months ended September 30, 2020

Commercial real estate

Non owner-occupied

—

$

—

—

$

—

—

$

—

All other CRE

—

—

—

—

1

2,226

Acquisition and development

1-4 family residential construction

—

—

—

—

—

—

All other A&D

—

—

2

430

—

—

Commercial and industrial

—

—

—

—

—

—

Residential mortgage

Residential mortgage – term

1

46

2

457

3

356

Residential mortgage – home equity

—

—

—

—

—

—

Consumer

—

—

—

—

—

—

Total

1

$

46

4

$

887

4

$

2,582

Temporary Rate
‎Modification

Extension of Maturity

Modification of Payment
‎and Other Terms

(in thousands)

Number of
‎Contracts

Recorded
‎Investment

Number of
‎Contracts

Recorded
‎Investment

Number of
‎Contracts

Recorded
‎Investment

Nine months ended September 30, 2019

Commercial real estate

Non owner-occupied

—

$

—

—

$

—

—

$

—

All other CRE

—

—

—

—

—

—

Acquisition and development

1-4 family residential construction

—

—

—

—

—

—

All other A&D

—

—

—

—

1

227

Commercial and industrial

—

—

—

—

—

—

Residential mortgage

Residential mortgage – term

1

149

—

—

1

243

Residential mortgage – home equity

—

—

—

—

—

—

Consumer

—

—

—

—

—

—

Total

1

$

149

—

$

—

2

$

470

During the nine months ended September 30, 2020, there were no new TDRs but nine existing TDRs that had reached their modification maturity dates were re-modified. These re-modifications did not impact the ALL. During the nine months ended September 30, 2020, there were no payment defaults.

During the nine months ended September 30, 2019, there was one new TDR due to a mortgage hardship and two existing TDRs that had reached their modification maturity dates were re-modified. There was no impact to the ALL from the new TDR or the re-modifications. During the nine months ended September 30, 2019, there were no payment defaults.

Temporary Rate
‎Modification

Extension of Maturity

Modification of Payment
‎and Other Terms

(in thousands)

Number of
‎Contracts

Recorded
‎Investment

Number of
‎Contracts

Recorded
‎Investment

Number of
‎Contracts

Recorded
‎Investment

Three months ended September 30, 2020

Commercial real estate

Non owner-occupied

—

$

—

—

$

—

—

$

—

All other CRE

—

—

—

—

—

—

Acquisition and development

1-4 family residential construction

—

—

—

—

—

—

All other A&D

—

—

1

213

—

—

Commercial and industrial

—

—

—

—

—

—

Residential mortgage

Residential mortgage – term

—

—

1

227

1

111

Residential mortgage – home equity

—

—

—

—

—

—

Consumer

—

—

—

—

—

—

Total

—

$

—

2

$

440

1

$

111

Temporary Rate
‎Modification

Extension of Maturity

Modification of Payment
‎and Other Terms

(in thousands)

Number of
‎Contracts

Recorded
‎Investment

Number of
‎Contracts

Recorded
‎Investment

Number of
‎Contracts

Recorded
‎Investment

Three months ended September 30, 2019

Commercial real estate

Non owner-occupied

—

$

—

—

$

—

—

$

—

All other CRE

—

—

—

—

—

—

Acquisition and development

1-4 family residential construction

—

—

—

—

—

—

All other A&D

—

—

—

—

—

—

Commercial and industrial

—

—

—

—

—

—

Residential mortgage

Residential mortgage – term

1

149

—

—

—

—

Residential mortgage – home equity

—

—

—

—

—

—

Consumer

—

—

—

—

—

—

Total

1

$

149

—

$

—

—

$

—