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Loans | 12 Months Ended
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Dec. 31, 2018
Loans [Abstract] |
Loans | Note 5. Loans ﻿ The Bank reports its loan portfolio based on the primary collateral of the loan. It further classifies these loans by the primary purpose, either consumer or commercial. The Bank’s mortgage loans include long-term loans to individuals and businesses secured by mortgages on the borrower’s real property. Construction loans are made to finance the purchase of land and the construction of residential and commercial buildings thereon, and are secured by mortgages on real estate. Commercial loans are made to businesses of various sizes for a variety of purposes including construction, property, plant and equipment, and working capital. Commercial loans also include loans to government municipalities. Commercial lending is concentrated in the Bank’s primary market, but also includes purchased loan participations. Consumer loans are comprised of installment, home equity and unsecured personal lines of credit. ﻿ A summary of loans outstandin g, by primary collateral, at December 31 is as follows: ﻿
﻿ |  |  |  |  |  |
﻿ |  |  |  |  |  |
﻿ |  |  |  |
﻿(Dollars in thousands) |  | 2018 |  | 2017
﻿Residential Real Estate 1-4 Family |  |  |  |  |  |
﻿Consumer first liens |  | $ | 89,673 |  | $ | 97,159
﻿Commercial first lien |  |  | 59,227 |  |  | 61,275
﻿Total first liens |  |  | 148,900 |  |  | 158,434
﻿ |  |  |  |  |  |
﻿Consumer junior liens and lines of credit |  |  | 42,504 |  |  | 45,043
﻿Commercial junior liens and lines of credit |  |  | 4,716 |  |  | 5,328
﻿Total junior liens and lines of credit |  |  | 47,220 |  |  | 50,371
﻿Total residential real estate 1-4 family |  |  | 196,120 |  |  | 208,805
﻿ |  |  |  |  |  |
﻿Residential real estate - construction |  |  |  |  |  |
﻿Consumer |  |  | 1,667 |  |  | 1,813
﻿Commercial |  |  | 8,558 |  |  | 8,088
﻿Total residential real estate construction |  |  | 10,225 |  |  | 9,901
﻿ |  |  |  |  |  |
﻿Commercial real estate |  |  | 487,980 |  |  | 428,428
﻿Commercial |  |  | 274,054 |  |  | 291,519
﻿Total commercial |  |  | 762,034 |  |  | 719,947
﻿ |  |  |  |  |  |
﻿Consumer |  |  | 4,996 |  |  | 5,047
﻿ |  |  | 973,375 |  |  | 943,700
﻿Less: Allowance for loan losses |  |  | (12,415) |  |  | (11,792)
﻿Net Loans |  | $ | 960,960 |  | $ | 931,908
﻿ |  |  |  |  |  |
﻿Included in the loan balances are the following: |  |  |  |  |  |
﻿Net unamortized deferred loan costs |  | $ | 123 |  | $ | 98
﻿ |  |  |  |  |  |
﻿Loans pledged as collateral for borrowings and commitments from: |  |  |  |  |  |
﻿FHLB |  | $ | 772,564 |  | $ | 737,313
﻿Federal Reserve Bank |  |  | 34,160 |  |  | 35,740
﻿Total |  | $ | 806,724 |  | $ | 773,053
﻿ Loans to directors and executive officers and related interests and affiliated enterprises were as follows: ﻿ ﻿
﻿ |  |  |  |  |  |
﻿(Dollars in thousands) |  | 2018 |  | 2017
﻿Balance at beginning of year |  | $ | 22,123 |  | $ | 23,243
﻿New loans made |  |  | 1,461 |  |  | 1,513
﻿Repayments |  |  | (3,095) |  |  | (2,633)
﻿Balance at end of year |  | $ | 20,489 |  | $ | 22,123

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