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Loans (Tables)

6 Months Ended

Jun. 30, 2021

Receivables [Abstract]

Schedule of Loan Portfolio

The following table summarizes the composition of our loan portfolio. Total loans are recorded net of deferred loan fees and costs, which totaled $3.2 million and $2.2 million as of June 30, 2021 and December 31, 2020, respectively.

Schedule of Loan Portfolio

Loans

		June 30,				December 31,
(Dollars in thousands)		2021				2020
Commercial, financial and agricultural		$	111,449			$	96,688
Real estate:
Construction			95,865				95,282
Mortgage-residential			44,594				43,928
Mortgage-commercial			592,099				573,258
Consumer:
Home equity			26,662				26,442
Other			7,649				8,559
Total loans, net of deferred loan fees and costs		$	878,318			$	844,157

Schedule of activity in the allowance for loan losses and the recorded investment in loans receivable

The detailed activity in the allowance for loan losses and the recorded investment in loans receivable as of and for the three months ended and six months ended June 30, 2021 and June 30, 2020 and for the year ended December 31, 2020 is as follows:

Schedule of activity in the allowance for loan losses and the recorded investment in loans receivable

(Dollars in thousands)
		Commercial				Real estate Construction				Real estate Mortgage Residential				Real estate Mortgage Commercial				Consumer Home equity				Consumer Other				Unallocated				Total
Three months ended June 30, 2021
Allowance for loan losses:
Beginning balance March 31, 2021		$	758			$	134			$	480			$	8,137			$	309			$	124			$	621			$	10,563
Charge-offs			—				—				—				(110	)			—				(11	)			—				(121	)
Recoveries			2				—				—				7				5				14				—				28
Provisions			134				(9	)			62				(8	)			8				(16	)			(3	)			168
Ending balance June 30, 2021		$	894			$	125			$	542			$	8,026			$	322			$	111			$	618			$	10,638

										Real estate				Real estate				Consumer
						Real estate				Mortgage				Mortgage				Home				Consumer
(Dollars in thousands)		Commercial				Construction				Residential				Commercial				equity				Other				Unallocated				Total
Six months ended June 30, 2021
Allowance for loan losses:
Beginning balance December 31, 2020		$	778			$	145			$	541			$	7,855			$	324			$	125			$	621			$	10,389
Charge-offs			—				—				—				(110	)			—				(36	)			—				(146	)
Recoveries			3				—				—				11				6				30				—				50
Provisions			113				(20	)			1				270				(8	)			(8	)			(3	)			345
Ending balance June 30, 2021		$	894			$	125			$	542			$	8,026			$	322			$	111			$	618			$	10,638
Ending balances:
Individually evaluated for impairment		$	—			$	—			$	—			$	2			$	—			$	—			$	—			$	2
Collectively evaluated for impairment			894				125				542				8,024				322				111				618				10,636
June 30, 2021 Loans receivable:
Ending balance-total		$	111,449			$	95,865			$	44,594			$	592,099			$	26,662			$	7,649			$	—			$	878,318
Ending balances:
Individually evaluated for impairment			—				—				310				5,163				21				—				—				5,494
Collectively evaluated for impairment		$	111,449			$	95,865			$	44,284			$	586,936			$	26,641			$	7,649			$	—			$	872,824
(Dollars in thousands)
		Commercial				Real estate Construction				Real estate Mortgage Residential				Real estate Mortgage Commercial				Consumer Home equity				Consumer Other				Unallocated				Total
Three months ended June 30, 2020
Allowance for loan losses:
Beginning balance March 31, 2020		$	489			$	148			$	440			$	5,531			$	277			$	112			$	697			$	7,694
Charge-offs			—				—				—				—				—				(25	)			—				(25	)
Recoveries			3				—				—				3				—				11				—				17
Provisions			277				17				57				935				16				34				(86	)			1,250
Ending balance June 30, 2020		$	769			$	165			$	497			$	6,469			$	293			$	132			$	611			$	8,936

Note 4—Loans-continued

(Dollars in thousands)
										Real estate				Real estate				Consumer
						Real estate				Mortgage				Mortgage				Home				Consumer
		Commercial				Construction				Residential				Commercial				equity				Other				Unallocated				Total
Six months ended June 30, 2020
Allowance for loan losses:
Beginning balance December 31, 2019		$	427			$	111			$	367			$	4,602			$	240			$	97			$	783			$	6,627
Charge-offs			—				—				—				—				—				(48	)			—				(48	)
Recoveries			3				—				—				9				1				19				—				32
Provisions			339				54				130				1,858				52				64				(172	)			2,325
Ending balance June 30, 2020		$	769			$	165			$	497			$	6,469			$	293			$	132			$	611			$	8,936
Ending balances:
Individually evaluated for impairment		$	—			$	—			$	—			$	4			$	—			$	—			$	—			$	4
Collectively evaluated for impairment			769				165				497				6,465				293				132				611				8,932
June 30, 2020 Loans receivable:
Ending balance-total		$	107,184			$	82,584			$	45,424			$	544,670			$	27,156			$	10,354			$	—			$	817,372
Ending balances:
Individually evaluated for impairment			—				—				333				3,020				66				—				—				3,419
Collectively evaluated for impairment		$	107,184			$	82,584			$	45,091			$	541,650			$	27,090			$	10,354			$	—			$	813,953

										Real estate				Real estate				Consumer
						Real estate				Mortgage				Mortgage				Home				Consumer
(Dollars in thousands)		Commercial				Construction				Residential				Commercial				equity				Other				Unallocated				Total
December 31, 2020
Allowance for loan losses:
Beginning balance December 31, 2019		$	427			$	111			$	367			$	4,602			$	240			$	97			$	783			$	6,627
Charge-offs			—				(2	)			—				(1	)			—				(107	)			—				(110	)
Recoveries			130				2				—				23				2				52				—				209
Provisions			221				34				174				3,231				82				83				(162	)			3,663
Ending balance December 31, 2020		$	778			$	145			$	541			$	7,855			$	324			$	125			$	621			$	10,389
Ending balances:
Individually evaluated for impairment		$	—			$	—			$	—			$	2			$	—			$	—			$	—			$	2
Collectively evaluated for impairment			778				145				541				7,853				324				125				621				10,387
December 31, 2020 Loans receivable:
Ending balance-total		$	96,688			$	95,282			$	43,928			$	573,258			$	26,442			$	8,559			$	—			$	844,157
Ending balances:
Individually evaluated for impairment			—				—				440				5,631				42				—				—				6,113
Collectively evaluated for impairment			96,688				95,282				43,488				567,627				26,400				8,559				—				838,044

[custom:DisclosureLoansDetails2Abstract]

(Dollars in thousands)
		Commercial				Real estate Construction				Real estate Mortgage Residential				Real estate Mortgage Commercial				Consumer Home equity				Consumer Other				Unallocated				Total
Three months ended June 30, 2021
Allowance for loan losses:
Beginning balance March 31, 2021		$	758			$	134			$	480			$	8,137			$	309			$	124			$	621			$	10,563
Charge-offs			—				—				—				(110	)			—				(11	)			—				(121	)
Recoveries			2				—				—				7				5				14				—				28
Provisions			134				(9	)			62				(8	)			8				(16	)			(3	)			168
Ending balance June 30, 2021		$	894			$	125			$	542			$	8,026			$	322			$	111			$	618			$	10,638

										Real estate				Real estate				Consumer
						Real estate				Mortgage				Mortgage				Home				Consumer
(Dollars in thousands)		Commercial				Construction				Residential				Commercial				equity				Other				Unallocated				Total
Six months ended June 30, 2021
Allowance for loan losses:
Beginning balance December 31, 2020		$	778			$	145			$	541			$	7,855			$	324			$	125			$	621			$	10,389
Charge-offs			—				—				—				(110	)			—				(36	)			—				(146	)
Recoveries			3				—				—				11				6				30				—				50
Provisions			113				(20	)			1				270				(8	)			(8	)			(3	)			345
Ending balance June 30, 2021		$	894			$	125			$	542			$	8,026			$	322			$	111			$	618			$	10,638
Ending balances:
Individually evaluated for impairment		$	—			$	—			$	—			$	2			$	—			$	—			$	—			$	2
Collectively evaluated for impairment			894				125				542				8,024				322				111				618				10,636
June 30, 2021 Loans receivable:
Ending balance-total		$	111,449			$	95,865			$	44,594			$	592,099			$	26,662			$	7,649			$	—			$	878,318
Ending balances:
Individually evaluated for impairment			—				—				310				5,163				21				—				—				5,494
Collectively evaluated for impairment		$	111,449			$	95,865			$	44,284			$	586,936			$	26,641			$	7,649			$	—			$	872,824
(Dollars in thousands)
		Commercial				Real estate Construction				Real estate Mortgage Residential				Real estate Mortgage Commercial				Consumer Home equity				Consumer Other				Unallocated				Total
Three months ended June 30, 2020
Allowance for loan losses:
Beginning balance March 31, 2020		$	489			$	148			$	440			$	5,531			$	277			$	112			$	697			$	7,694
Charge-offs			—				—				—				—				—				(25	)			—				(25	)
Recoveries			3				—				—				3				—				11				—				17
Provisions			277				17				57				935				16				34				(86	)			1,250
Ending balance June 30, 2020		$	769			$	165			$	497			$	6,469			$	293			$	132			$	611			$	8,936

Note 4—Loans-continued

(Dollars in thousands)
										Real estate				Real estate				Consumer
						Real estate				Mortgage				Mortgage				Home				Consumer
		Commercial				Construction				Residential				Commercial				equity				Other				Unallocated				Total
Six months ended June 30, 2020
Allowance for loan losses:
Beginning balance December 31, 2019		$	427			$	111			$	367			$	4,602			$	240			$	97			$	783			$	6,627
Charge-offs			—				—				—				—				—				(48	)			—				(48	)
Recoveries			3				—				—				9				1				19				—				32
Provisions			339				54				130				1,858				52				64				(172	)			2,325
Ending balance June 30, 2020		$	769			$	165			$	497			$	6,469			$	293			$	132			$	611			$	8,936
Ending balances:
Individually evaluated for impairment		$	—			$	—			$	—			$	4			$	—			$	—			$	—			$	4
Collectively evaluated for impairment			769				165				497				6,465				293				132				611				8,932
June 30, 2020 Loans receivable:
Ending balance-total		$	107,184			$	82,584			$	45,424			$	544,670			$	27,156			$	10,354			$	—			$	817,372
Ending balances:
Individually evaluated for impairment			—				—				333				3,020				66				—				—				3,419
Collectively evaluated for impairment		$	107,184			$	82,584			$	45,091			$	541,650			$	27,090			$	10,354			$	—			$	813,953

										Real estate				Real estate				Consumer
						Real estate				Mortgage				Mortgage				Home				Consumer
(Dollars in thousands)		Commercial				Construction				Residential				Commercial				equity				Other				Unallocated				Total
December 31, 2020
Allowance for loan losses:
Beginning balance December 31, 2019		$	427			$	111			$	367			$	4,602			$	240			$	97			$	783			$	6,627
Charge-offs			—				(2	)			—				(1	)			—				(107	)			—				(110	)
Recoveries			130				2				—				23				2				52				—				209
Provisions			221				34				174				3,231				82				83				(162	)			3,663
Ending balance December 31, 2020		$	778			$	145			$	541			$	7,855			$	324			$	125			$	621			$	10,389
Ending balances:
Individually evaluated for impairment		$	—			$	—			$	—			$	2			$	—			$	—			$	—			$	2
Collectively evaluated for impairment			778				145				541				7,853				324				125				621				10,387
December 31, 2020 Loans receivable:
Ending balance-total		$	96,688			$	95,282			$	43,928			$	573,258			$	26,442			$	8,559			$	—			$	844,157
Ending balances:
Individually evaluated for impairment			—				—				440				5,631				42				—				—				6,113
Collectively evaluated for impairment			96,688				95,282				43,488				567,627				26,400				8,559				—				838,044

Schedule of loan category and loans individually evaluated and considered impaired

The following tables as of June 30, 2021, June 30, 2020, and December 31, 2020, are by loan category and present loans individually evaluated and considered impaired under FASB ASC 310 “Accounting by Creditors for Impairment of a Loan.” Impairment includes performing TDRs.

Schedule of loan category and loans individually evaluated and considered impaired

(Dollars in thousands)														Six months ended								Three months ended
						Unpaid								Average				Interest				Average				Interest
		Recorded				Principal				Related				Recorded				income				Recorded				Income
June 30, 2021		Investment				Balance				Allowance				Investment				Recognized				Investment				Recognized
With no allowance recorded:
Commercial, financial, agricultural		$	—			$	—			$	—			$	—			$	—			$	—			$	—
Real estate:
Construction			—				—				—				—				—				—				—
Mortgage-residential			310				361				—				315				7				310				4
Mortgage-commercial			5,062				7,689				—				5,332				188				5,168				94
Consumer:
Home equity			21				25				—				21				1				20				—
Other			—				—				—				—				—				—				—
With an allowance recorded:
Commercial, financial, agricultural			—				—				—				—				—				—				—
Real estate:
Construction			—				—				—				—				—				—				—
Mortgage-residential			—				—				—				—				—				—				—
Mortgage-commercial			101				101				2				111				3				101				1
Consumer:
Home equity			—				—				—				—				—				—				—
Other			—				—				—				—				—				—				—
Total:
Commercial, financial, agricultural		$	—			$	—			$	—			$	—			$	—			$	—			$	—
Real estate:
Construction			—				—				—				—				—				—				—
Mortgage-residential			310				361				—				315				7				310				4
Mortgage-commercial			5,163				7,790				2				5,443				191				5,269				95
Consumer:
Home equity			21				25				—				21				1				20				—
Other			—				—				—				—				—				—				—
		$	5,494				8,176			$	2			$	5,779			$	199			$	5,599			$	99

(Dollars in thousands)														Six months ended								Three months ended
						Unpaid								Average				Interest				Average				Interest
		Recorded				Principal				Related				Recorded				income				Recorded				Income
June 30, 2020		Investment				Balance				Allowance				Investment				Recognized				Investment				Recognized
With no allowance recorded:
Commercial, financial, agricultural		$	—			$	—			$	—			$	—			$	—			$	—			$	—
Real estate:
Construction			—				—				—				—				—				—				—
Mortgage-residential			333				425				—				337				10				331				7
Mortgage-commercial			2,827				5,567				—				3,189				147				3,141				74
Consumer:
Home equity			66				70				—				68				2				66				1
Other			—				—				—				—				—				—				—
With an allowance recorded:
Commercial, financial, agricultural			—				—				—				—				—				—				—
Real estate:
Construction			—				—				—				—				—				—				—
Mortgage-residential			—				—				—				—				—				—				—
Mortgage-commercial			193				193				4				216				6				193				3
Consumer:
Home equity			—				—				—				—				—				—				—
Other			—				—				—				—				—				—				—
Total:
Commercial, financial, agricultural		$	—			$	—			$	—			$	—			$	—			$	—			$	—
Real estate:
Construction			—				—				—				—				—				—				—
Mortgage-residential			333				425				—				337				10				331				7
Mortgage-commercial			3,020				5,760				4				3,405				153				3,334				77
Consumer:
Home equity			66				70				—				68				2				66				1
Other			—				—				—				—				—				—				—
		$	3,419				6,255			$	4			$	3,810			$	165			$	3,731			$	85

						Unpaid								Average				Interest
(Dollars in thousands)		Recorded				Principal				Related				Recorded				Income
December 31, 2020		Investment				Balance				Allowance				Investment				Recognized
With an allowance recorded:
Commercial			—				—				—				—				—
With no allowance recorded:
Commercial		$	—			$	—			$	—			$	—			$	—
Real estate:
Construction			—				—				—				—				—
Mortgage-residential			440				499				—				440				1
Mortgage-commercial			5,508				7,980				—				5,770				388
Consumer:
Home Equity			42				47				—				42				3
Other			—				—				—				—				—
With an allowance recorded:
Commercial			—				—				—				—				—
Real estate:
Construction			—				—				—				—				—
Mortgage-residential			—				—				—				—				—
Mortgage-commercial			123				123				2				123				11
Consumer:
Home Equity			—				—				—				—				—
Other			—				—				—				—				—
Total:
Commercial			—				—				—				—				—
Real estate:
Construction			—				—				—				—				—
Mortgage-residential			440				499				—				440				1
Mortgage-commercial			5,631				8,103				2				5,893				399
Consumer:
Home Equity			42				47				—				42				3
Other			—				—				—				—				—
		$	6,113			$	8,649			$	2			$	6,375			$	403

[custom:DisclosureLoansDetails3Abstract]

(Dollars in thousands)														Six months ended								Three months ended
						Unpaid								Average				Interest				Average				Interest
		Recorded				Principal				Related				Recorded				income				Recorded				Income
June 30, 2021		Investment				Balance				Allowance				Investment				Recognized				Investment				Recognized
With no allowance recorded:
Commercial, financial, agricultural		$	—			$	—			$	—			$	—			$	—			$	—			$	—
Real estate:
Construction			—				—				—				—				—				—				—
Mortgage-residential			310				361				—				315				7				310				4
Mortgage-commercial			5,062				7,689				—				5,332				188				5,168				94
Consumer:
Home equity			21				25				—				21				1				20				—
Other			—				—				—				—				—				—				—
With an allowance recorded:
Commercial, financial, agricultural			—				—				—				—				—				—				—
Real estate:
Construction			—				—				—				—				—				—				—
Mortgage-residential			—				—				—				—				—				—				—
Mortgage-commercial			101				101				2				111				3				101				1
Consumer:
Home equity			—				—				—				—				—				—				—
Other			—				—				—				—				—				—				—
Total:
Commercial, financial, agricultural		$	—			$	—			$	—			$	—			$	—			$	—			$	—
Real estate:
Construction			—				—				—				—				—				—				—
Mortgage-residential			310				361				—				315				7				310				4
Mortgage-commercial			5,163				7,790				2				5,443				191				5,269				95
Consumer:
Home equity			21				25				—				21				1				20				—
Other			—				—				—				—				—				—				—
		$	5,494				8,176			$	2			$	5,779			$	199			$	5,599			$	99

(Dollars in thousands)														Six months ended								Three months ended
						Unpaid								Average				Interest				Average				Interest
		Recorded				Principal				Related				Recorded				income				Recorded				Income
June 30, 2020		Investment				Balance				Allowance				Investment				Recognized				Investment				Recognized
With no allowance recorded:
Commercial, financial, agricultural		$	—			$	—			$	—			$	—			$	—			$	—			$	—
Real estate:
Construction			—				—				—				—				—				—				—
Mortgage-residential			333				425				—				337				10				331				7
Mortgage-commercial			2,827				5,567				—				3,189				147				3,141				74
Consumer:
Home equity			66				70				—				68				2				66				1
Other			—				—				—				—				—				—				—
With an allowance recorded:
Commercial, financial, agricultural			—				—				—				—				—				—				—
Real estate:
Construction			—				—				—				—				—				—				—
Mortgage-residential			—				—				—				—				—				—				—
Mortgage-commercial			193				193				4				216				6				193				3
Consumer:
Home equity			—				—				—				—				—				—				—
Other			—				—				—				—				—				—				—
Total:
Commercial, financial, agricultural		$	—			$	—			$	—			$	—			$	—			$	—			$	—
Real estate:
Construction			—				—				—				—				—				—				—
Mortgage-residential			333				425				—				337				10				331				7
Mortgage-commercial			3,020				5,760				4				3,405				153				3,334				77
Consumer:
Home equity			66				70				—				68				2				66				1
Other			—				—				—				—				—				—				—
		$	3,419				6,255			$	4			$	3,810			$	165			$	3,731			$	85

						Unpaid								Average				Interest
(Dollars in thousands)		Recorded				Principal				Related				Recorded				Income
December 31, 2020		Investment				Balance				Allowance				Investment				Recognized
With an allowance recorded:
Commercial			—				—				—				—				—
With no allowance recorded:
Commercial		$	—			$	—			$	—			$	—			$	—
Real estate:
Construction			—				—				—				—				—
Mortgage-residential			440				499				—				440				1
Mortgage-commercial			5,508				7,980				—				5,770				388
Consumer:
Home Equity			42				47				—				42				3
Other			—				—				—				—				—
With an allowance recorded:
Commercial			—				—				—				—				—
Real estate:
Construction			—				—				—				—				—
Mortgage-residential			—				—				—				—				—
Mortgage-commercial			123				123				2				123				11
Consumer:
Home Equity			—				—				—				—				—
Other			—				—				—				—				—
Total:
Commercial			—				—				—				—				—
Real estate:
Construction			—				—				—				—				—
Mortgage-residential			440				499				—				440				1
Mortgage-commercial			5,631				8,103				2				5,893				399
Consumer:
Home Equity			42				47				—				42				3
Other			—				—				—				—				—
		$	6,113			$	8,649			$	2			$	6,375			$	403

Schedule of loan category and loan by risk categories

Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered as pass rated loans. Based on the most recent analysis performed, the risk category of loans by class of loans is shown in the table below as of June 30, 2021 and December 31, 2020. As of June 30, 2021 and December 31, 2020, no loans were classified as doubtful.

Schedule of loan category and loan by risk categories

Loans (Details 4)

(Dollars in thousands)						Special
June 30, 2021		Pass				Mention				Substandard				Doubtful				Total
Commercial, financial & agricultural		$	111,273			$	176			$	—			$	—			$	111,449
Real estate:
Construction			95,858				7				—				—				95,865
Mortgage – residential			44,111				154				329				—				44,594
Mortgage – commercial			579,401				2,529				10,169				—				592,099
Consumer:
Home Equity			25,244				219				1,199				—				26,662
Other			7,639				—				10				—				7,649
Total		$	863,526			$	3,085			$	11,707			$	—			$	878,318
(Dollars in thousands)						Special
December 31, 2020		Pass				Mention				Substandard				Doubtful				Total
Commercial, financial & agricultural		$	96,507			$	181			$	—			$	—			$	96,688
Real estate:
Construction			95,282				—				—				—				95,282
Mortgage – residential			43,240				190				498				—				43,928
Mortgage – commercial			559,982				7,270				6,006				—				573,258
Consumer:
Home Equity			25,041				95				1,306				—				26,442
Other			8,538				21				—				—				8,559
Total		$	828,590			$	7,757			$	7,810			$	—			$	844,157

Schedule of loan category and present loans past due and on non-accrual status

The following tables are by loan category and present loans past due and on non-accrual status as of June 30, 2021 and December 31, 2020:  

Schedule of loan category and present loans past due and on non-accrual status

										Greater than
(Dollars in thousands)		30-59 Days				60-89 Days				90 Days and								Total
June 30, 2021		Past Due				Past Due				Accruing				Nonaccrual				Past Due				Current				Total Loans
Commercial		$	111			$	—			$	4,164			$	3,654			$	7,929			$	103,520			$	111,449
Real estate:
Construction			—				—				—				—				—				95,865				95,865
Mortgage-residential			36				—				—				311				347				44,247				44,594
Mortgage-commercial			—				—				—				—				—				592,099				592,099
Consumer:
Home equity			—				—				—				21				21				26,641				26,662
Other			24				—				1				—				25				7,624				7,649
		$	171			$	—			$	4,165			$	3,986			$	8,322			$	869,996			$	878,318

										Greater than
(Dollars in thousands)		30-59 Days				60-89 Days				90 Days and								Total
December 31, 2020		Past Due				Past Due				Accruing				Nonaccrual				Past Due				Current				Total Loans
Commercial		$	165			$	27			$	—			$	4,080			$	4,272			$	92,416			$	96,688
Real estate:
Construction			424				—				1,260				—				1,684				93,598				95,282
Mortgage-residential			7				—				—				440				447				43,481				43,928
Mortgage-commercial			—				—				—				—				—				573,258				573,258
Consumer:
Home equity			—				—				—				42				42				26,400				26,442
Other			21				21				—				—				42				8,517				8,559
		$	617			$	48			$	1,260			$	4,562			$	6,487			$	837,670			$	844,157

[custom:DisclosureLoansDetails5Abstract]

										Greater than
(Dollars in thousands)		30-59 Days				60-89 Days				90 Days and								Total
June 30, 2021		Past Due				Past Due				Accruing				Nonaccrual				Past Due				Current				Total Loans
Commercial		$	111			$	—			$	4,164			$	3,654			$	7,929			$	103,520			$	111,449
Real estate:
Construction			—				—				—				—				—				95,865				95,865
Mortgage-residential			36				—				—				311				347				44,247				44,594
Mortgage-commercial			—				—				—				—				—				592,099				592,099
Consumer:
Home equity			—				—				—				21				21				26,641				26,662
Other			24				—				1				—				25				7,624				7,649
		$	171			$	—			$	4,165			$	3,986			$	8,322			$	869,996			$	878,318

										Greater than
(Dollars in thousands)		30-59 Days				60-89 Days				90 Days and								Total
December 31, 2020		Past Due				Past Due				Accruing				Nonaccrual				Past Due				Current				Total Loans
Commercial		$	165			$	27			$	—			$	4,080			$	4,272			$	92,416			$	96,688
Real estate:
Construction			424				—				1,260				—				1,684				93,598				95,282
Mortgage-residential			7				—				—				440				447				43,481				43,928
Mortgage-commercial			—				—				—				—				—				573,258				573,258
Consumer:
Home equity			—				—				—				42				42				26,400				26,442
Other			21				21				—				—				42				8,517				8,559
		$	617			$	48			$	1,260			$	4,562			$	6,487			$	837,670			$	844,157

Schedule for changes in the accretable yield for PCI loans

A summary of changes in the accretable yield for purchased credit-impaired loans for the three months and six months ended June 30, 2021 and June 30, 2020 are as follows:

Schedule for changes in the accretable yield for PCI loans

Loans (Details 6)

(Dollars in thousands)		Three Months Ended June 30, 2021				Three Months Ended June 30, 2020
Accretable yield, beginning of period		$	86			$	116
Accretion			(7	)			(7	)
Accretable yield, end of period		$	79			$	109
(Dollars in thousands)		Six Months Ended June 30, 2021				Six Months Ended June 30, 2020
Accretable yield, beginning of period		$	93			$	123
Accretion			(14	)			(14	)
Accretable yield, end of period		$	79			$	109

Schedule of related party loan

Related party loans and lines of credit are made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with unrelated persons and generally do not involve more than the normal risk of collectability. The following table presents related party loan transactions for the three months ended June 30, 2021 and June 30, 2020:

Schedule of related party loan

(Dollars in thousands)		2021				2020
Beginning Balance December 31,		$	3,297			$	4,109
New Loans			2				55
Less loan repayments			225				437
Ending Balance June 30,		$	3,074			$	3,727

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