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Loan Quality and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2018

Loan Quality And Allowance for Loan Losses [Abstract]

Allowance For Loan Losses, By Loan Segment

The following table shows the activity in the Allowance for Loan Loss (ALL), for the years ended December 31, 2018,  2017 and 2016








		Residential Real Estate 1-4 Family
		First			Junior Liens &						Commercial
(Dollars in thousands)		Liens			Lines of Credit			Construction			Real Estate			Commercial			Consumer			Unallocated			Total

ALL at December 31, 2015		$	989		$	308		$	194		$	5,649		$	1,519		$	102		$	1,325		$	10,086
Charge-offs			(49)			—			(41)			(2,751)			(74)			(167)			—			(3,082)
Recoveries			35			—			—			19			167			75			—			296
Provision			130			15			71			3,192			281			90			(4)			3,775
ALL at December 31, 2016		$	1,105		$	323		$	224		$	6,109		$	1,893		$	100		$	1,321		$	11,075

ALL at December 31, 2016		$	1,105		$	323		$	224		$	6,109		$	1,893		$	100		$	1,321		$	11,075
Charge-offs			(13)			—			—			(14)			(8)			(102)			—			(137)
Recoveries			2			11			—			17			117			37			—			184
Provision			(34)			(4)			—			414			108			70			116			670
ALL at December 31, 2017		$	1,060		$	330		$	224		$	6,526		$	2,110		$	105		$	1,437		$	11,792

ALL at December 31, 2017		$	1,060		$	330		$	224		$	6,526		$	2,110		$	105		$	1,437		$	11,792
Charge-offs			—			—			—			—			(9,482)			(107)			—			(9,589)
Recoveries			2			8			—			60			157			31			—			258
Provision			(571)			(205)			(116)			(888)			11,726			41			(33)			9,954
ALL at December 31, 2018		$	491		$	133		$	108		$	5,698		$	4,511		$	70		$	1,404		$	12,415



The following table shows the loans that were evaluated for the Allowance for Loan Loss (ALL) under a specific reserve (individually) and those that were evaluated under a general reserve (collectively), and the amount of the allowance established in each category as of December 31, 2018 and 2017







		Residential Real Estate 1-4 Family
		First			Junior Liens &						Commercial
(Dollars in thousands)		Liens			Lines of Credit			Construction			Real Estate			Commercial			Consumer			Unallocated			Total

December 31, 2018
Loans evaluated for ALL:
Individually		$	405		$	—		$	455		$	10,099		$	181		$	—		$	—		$	11,140
Collectively			148,495			47,220			9,770			477,881			273,873			4,996			—			962,235
Total		$	148,900		$	47,220		$	10,225		$	487,980		$	274,054		$	4,996		$	—		$	973,375

ALL established for   loans evaluated:
Individually		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Collectively			491			133			108			5,698			4,511			70			1,404			12,415
ALL at December 31, 2018		$	491		$	133		$	108		$	5,698		$	4,511		$	70		$	1,404		$	12,415

December 31, 2017
Loans evaluated for ALL:
Individually		$	459		$	—		$	466		$	10,981		$	—		$	—		$	—		$	11,906
Collectively			157,975			50,371			9,435			417,447			291,519			5,047			—			931,794
Total		$	158,434		$	50,371		$	9,901		$	428,428		$	291,519		$	5,047		$	—		$	943,700

ALL established for   loans evaluated:
Individually		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Collectively			1,060			330			224			6,526			2,110			105			1,437			11,792
ALL at December 31, 2017		$	1,060		$	330		$	224		$	6,526		$	2,110		$	105		$	1,437		$	11,792



Impaired Financing Receivables



		Impaired Loans
		With No Allowance						With Allowance
(Dollars in thousands)					Unpaid						Unpaid
		Recorded			Principal			Recorded			Principal			Related
December 31, 2018		Investment			Balance			Investment			Balance			Allowance
  Residential Real Estate 1-4 Family
First liens		$	871		$	958		$	—		$	—		$	—
Junior liens and lines of credit			49			49			—			—			—
Total			920			1,007			—			—			—
  Residential real estate - construction			455			531			—			—			—
  Commercial real estate			10,236			10,808			—			—			—
  Commercial			315			9,763			—			—			—
Total		$	11,926		$	22,109		$	—		$	—		$	—







December 31, 2017
  Residential Real Estate 1-4 Family
First liens		$	869		$	950		$	—		$	—		$	—
Junior liens and lines of credit			—			—			—			—			—
Total			869			950			—			—			—
  Residential real estate - construction			466			531			—			—			—
  Commercial real estate			11,061			11,541			—			—			—
  Commercial			187			201			—			—			—
Total		$	12,583		$	13,223		$	—		$	—		$	—








		Twelve Months Ended
		December 31, 2018						December 31, 2017						December 31, 2016
		Average			Interest			Average			Interest			Average			Interest
(Dollars in thousands)		Recorded			Income			Recorded			Income			Recorded			Income
		Investment			Recognized			Investment			Recognized			Investment			Recognized
  Residential Real Estate 1-4 Family
First liens		$	914		$	45		$	1,083		$	39		$	1,194		$	38
Junior liens and lines of credit			85			1			64			—			93			1
Total			999			46			1,147			39			1,287			39
  Residential real estate - construction			462			—			473			—			492			4
  Commercial real estate			10,809			417			11,938			435			17,806			589
  Commercial			4,329			—			245			—			32			—
Total		$	16,599		$	463		$	13,803		$	474		$	19,617		$	632



Aging Of Payments Of The Loan Portfolio



(Dollars in thousands)					Loans Past Due and Still Accruing															Total
		Current			30-59 Days			60-89 Days			90 Days+			Total			Non-Accrual			Loans
December 31, 2018
Residential Real Estate 1-4 Family
First liens		$	148,183		$	322		$	202		$	113		$	637		$	80		$	148,900
Junior liens and lines of credit			47,040			131			—			26			157			23			47,220
Total			195,223			453			202			139			794			103			196,120
Residential real estate - construction			9,572			—			198			—			198			455			10,225
Commercial real estate			481,774			1,343			3,323			113			4,779			1,427			487,980
Commercial			273,534			65			40			100			205			315			274,054
Consumer			4,933			46			12			5			63			—			4,996
Total		$	965,036		$	1,907		$	3,775		$	357		$	6,039		$	2,300		$	973,375









December 31, 2017
Residential Real Estate 1-4 Family
First liens		$	157,247		$	485		$	534		$	—		$	1,019		$	168		$	158,434
Junior liens and lines of credit			50,202			139			30			—			169			—			50,371
Total			207,449			624			564			—			1,188			168			208,805
Residential real estate - construction			9,435			—			—			—			—			466			9,901
Commercial real estate			425,806			421			347			—			768			1,854			428,428
Commercial			291,221			111			—			—			111			187			291,519
Consumer			5,017			23			7			—			30			—			5,047
Total		$	938,928		$	1,179		$	918		$	—		$	2,097		$	2,675		$	943,700



Internal Credit Rating For The Loan Portfolio



	Pass			Special Mention			Substandard			Doubtful
(Dollars in thousands)	(1-5)			(6)			(7)			(8)			Total
December 31, 2018
Residential Real Estate 1-4 Family
First liens	$	148,453		$	—		$	447		$	—		$	148,900
Junior liens and lines of credit		47,171			—			49			—			47,220
Total		195,624			—			496			—			196,120
Residential real estate - construction		9,572			—			653			—			10,225
Commercial real estate		479,969			660			7,351			—			487,980
Commercial		272,959			—			1,095			—			274,054
Consumer		4,991			—			5			—			4,996
Total	$	963,115		$	660		$	9,600		$	—		$	973,375







December 31, 2017
Residential Real Estate 1-4 Family
First liens	$	157,395		$	—		$	1,039		$	—		$	158,434
Junior liens and lines of credit		50,371			—			—			—			50,371
Total		207,766			—			1,039			—			208,805
Residential real estate - construction		8,893			—			1,008			—			9,901
Commercial real estate		419,277			680			8,471			—			428,428
Commercial		289,916			—			1,603			—			291,519
Consumer		5,047			—			—			—			5,047
Total	$	930,899		$	680		$	12,121		$	—		$	943,700



Troubled Debt Restructuring Loans




													Troubled Debt Restructurings
													Within the Last 12 Months
													That Have Defaulted
(Dollars in thousands)		Troubled Debt Restructurings											on Modified Terms
		Number of		Recorded									Number of		Recorded
		Contracts		Investment			Performing*			Nonperforming*			Contracts		Investment
December 31, 2018
Residential real estate - construction		1		$	455		$	—		$	455		—		$	—
Residential real estate		4			678			678			—		—			—
Commercial real estate		11			10,099			8,809			1,290		—			—
   Total		16		$	11,232		$	9,487		$	1,745		—		$	—








December 31, 2017
Residential real estate - construction		1		$	466		$	466		$	—		—		$	—
Residential real estate		5			737			701			36		1			39
Commercial real estate		11			10,983			10,388			595		1			595
   Total		17		$	12,186		$	11,555		$	631		2		$	634



*The performing status is determined by the loan’s compliance with the modified terms.

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Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

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