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Loans | 3 Months Ended
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Mar. 31, 2019
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 residential real estate loans include long-term loans to individuals and businesses secured by mortgages on the borrower’s real property and include home equity loans. 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 real estate loans include construction, owner and non-owner occupied properties and farm real estate. Commercial loans are made to businesses of various sizes for a variety of purposes including property, plant and equipment, working capital and 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 loans and unsecured personal lines of credit. A summary of loans outstanding, by class, at the end of the reporting periods is as follows:
﻿ |  |  |  |  |  |
﻿ |  |  |  |  |  |
﻿ |  | March 31, |  | December 31,
﻿(Dollars in thousands) |  | 2019 |  | 2018
﻿Residential Real Estate 1-4 Family |  |  |  |  |  |
﻿Consumer first liens |  | $ | 89,212 |  | $ | 89,673
﻿Commercial first lien |  |  | 58,210 |  |  | 59,227
﻿Total first liens |  |  | 147,422 |  |  | 148,900
﻿ |  |  |  |  |  |
﻿Consumer junior liens and lines of credit |  |  | 41,831 |  |  | 42,504
﻿Commercial junior liens and lines of credit |  |  | 4,859 |  |  | 4,716
﻿Total junior liens and lines of credit |  |  | 46,690 |  |  | 47,220
﻿Total residential real estate 1-4 family |  |  | 194,112 |  |  | 196,120
﻿ |  |  |  |  |  |
﻿Residential real estate - construction |  |  |  |  |  |
﻿Consumer |  |  | 2,750 |  |  | 1,667
﻿Commercial |  |  | 11,231 |  |  | 8,558
﻿Total residential real estate construction |  |  | 13,981 |  |  | 10,225
﻿ |  |  |  |  |  |
﻿Commercial real estate |  |  | 497,974 |  |  | 487,980
﻿Commercial |  |  | 269,243 |  |  | 274,054
﻿ Total commercial |  |  | 767,217 |  |  | 762,034
﻿ |  |  |  |  |  |
﻿Consumer |  |  | 5,156 |  |  | 4,996
﻿ |  |  | 980,466 |  |  | 973,375
﻿Less: Allowance for loan losses |  |  | (12,681) |  |  | (12,415)
﻿Net Loans |  | $ | 967,785 |  | $ | 960,960
﻿ |  |  |  |  |  |
﻿Included in the loan balances are the following: |  |  |  |  |  |
﻿Net unamortized deferred loan costs |  | $ | 125 |  | $ | 123
﻿ |  |  |  |  |  |
﻿Loans pledged as collateral for borrowings and commitments from: |  |  |  |  |  |
﻿FHLB |  | $ | 787,055 |  | $ | 772,564
﻿Federal Reserve Bank |  |  | 33,645 |  |  | 34,160
﻿ |  | $ | 820,700 |  | $ | 806,724

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