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Loan Quality And Allowance For Loan Losses (Tables)

3 Months Ended

Mar. 31, 2020

Loan Quality And Allowance For Loan Losses [Abstract]

Allowance For Loan Losses, By Loan Segment

The following table presents, by class, the activity in the Allowance for Loan Losses (ALL) for the periods shown:

		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, 2019		$	416		$	119		$	184		$	6,022		$	3,815		$	84		$	1,326		$	11,966
Charge-offs			—			—			—			—			(220)			(30)			—			(250)
Recoveries			3			—			—			—			5			6			—			14
Provision			144			59			82			1,582			886			38			209			3,000
ALL at March 31, 2020		$	563		$	178		$	266		$	7,604		$	4,486		$	98		$	1,535		$	14,730
ALL at December 31, 2018		$	491		$	133		$	108		$	5,698		$	4,511		$	70		$	1,404		$	12,415
Charge-offs			(33)			(1)			(3)			(63)			(61)			(26)			—			(187)
Recoveries			1			—			—			1			42			10			—			54
Provision			28			—			47			270			70			18			(34)			399
ALL at March 31, 2019		$	487		$	132		$	152		$	5,906		$	4,562		$	72		$	1,370		$	12,681

The following table presents, by class, loans that were evaluated for the ALL under the specific reserve (individually) and those that were evaluated under the general reserve (collectively) and the amount of the ALL established in each class as of March 31, 2020 and December 31, 2019:

		Residential Real Estate 1-4 Family
		First			Junior Liens &						Commercial
(Dollars in thousands)		Liens			Lines of Credit			Construction			Real Estate			Commercial			Consumer			Unallocated			Total
March 31, 2020
Loans evaluated for ALL:
Individually		$	653		$	—		$	521		$	10,795		$	—		$	—		$	—		$	11,969
Collectively			142,653			50,666			14,961			483,348			226,128			6,661			—			924,417
Total		$	143,306		$	50,666		$	15,482		$	494,143		$	226,128		$	6,661		$	—		$	936,386
ALL established for ‎  loans evaluated:
Individually		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Collectively			563			178			266			7,604			4,486			98			1,535			14,730
ALL at March 31, 2020		$	563		$	178		$	266		$	7,604		$	4,486		$	98		$	1,535		$	14,730
December 31, 2019
Loans evaluated for ALL:
Individually		$	659		$	—		$	523		$	10,994		$	—		$	—		$	—		$	12,176
Collectively			142,287			47,597			12,800			483,268			230,007			6,440			—			922,399
Total		$	142,946		$	47,597		$	13,323		$	494,262		$	230,007		$	6,440		$	—		$	934,575
ALL established for ‎  loans evaluated:
Individually		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Collectively			416			119			184			6,022			3,815			84			1,326			11,966
ALL at December 31, 2019		$	416		$	119		$	184		$	6,022		$	3,815		$	84		$	1,326		$	11,966

Impaired Financing Receivables

The following table shows additional information about those loans considered to be impaired at March 31, 2020 and December 31, 2019:

		Impaired Loans
		With No Allowance						With Allowance
(Dollars in thousands)					Unpaid						Unpaid
		Recorded			Principal			Recorded			Principal			Related
March 31, 2020		Investment			Balance			Investment			Balance			Allowance
Residential Real Estate 1-4 Family
First liens		$	653		$	653		$	—		$	—		$	—
Junior liens and lines of credit			—			—			—			—			—
Total			653			653			—			—			—
Residential real estate - construction			521			729			—			—			—
Commercial real estate			10,795			11,909			—			—			—
Commercial			—			—			—			—			—
Total		$	11,969		$	13,291		$	—		$	—		$	—

December 31, 2019
Residential Real Estate 1-4 Family
First liens		$	659		$	659		$	—		$	—		$	—
Junior liens and lines of credit			—			—			—			—			—
Total			659			659			—			—			—
Residential real estate - construction			523			729			—			—			—
Commercial real estate			10,994			12,096			—			—			—
Commercial			—			—			—			—			—
Total		$	12,176		$	13,484		$	—		$	—		$	—

The following table shows the average of impaired loans and related interest income for the three months ended March 31, 2020 and 2019:

		Three Months Ended
		March 31, 2020
		Average			Interest
(Dollars in thousands)		Recorded			Income
		Investment			Recognized
Residential Real Estate 1-4 Family
First liens		$	656		$	10
Junior liens and lines of credit			—			—
Total			656			10
Residential real estate - construction			521			—
Commercial real estate			10,899			94
Commercial			—			—
Total		$	12,076		$	104
		Three Months Ended
		March 31, 2019
		Average			Interest
(Dollars in thousands)		Recorded			Income
		Investment			Recognized
Residential Real Estate 1-4 Family
First liens		$	893		$	11
Junior liens and lines of credit			44			—
Total			937			11
Residential real estate - construction			653			—
Commercial real estate			13,494			102
Commercial			129			—
Total		$	15,213		$	113

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
March 31, 2020
Residential Real Estate 1-4 Family
First liens		$	142,621		$	588		$	55		$	1		$	644		$	41		$	143,306
Junior liens and lines of credit			50,581			40			—			31			71			14			50,666
Total			193,202			628			55			32			715			55			193,972
Residential real estate - construction			14,961			—			—			—			—			521			15,482
Commercial real estate			490,468			110			643			—			753			2,922			494,143
Commercial			225,310			288			355			—			643			175			226,128
Consumer			6,625			30			6			—			36			—			6,661
Total		$	930,566		$	1,056		$	1,059		$	32		$	2,147		$	3,673		$	936,386

December 31, 2019
Residential Real Estate 1-4 Family
First liens		$	141,843		$	646		$	358		$	31		$	1,035		$	68		$	142,946
Junior liens and lines of credit			47,420			70			30			46			146			31			47,597
Total			189,263			716			388			77			1,181			99			190,543
Residential real estate - construction			12,800			—			—			—			—			523			13,323
Commercial real estate			490,114			813			326			—			1,139			3,009			494,262
Commercial			229,659			31			120			—			151			197			230,007
Consumer			6,397			25			18			—			43			—			6,440
Total		$	928,233		$	1,585		$	852		$	77		$	2,514		$	3,828		$	934,575

Internal Credit Rating For The Loan Portfolio

	Pass			OAEM			Substandard			Doubtful
(Dollars in thousands)	(1-5)			(6)			(7)			(8)			Total
March 31, 2020
Residential Real Estate 1-4 Family
First liens	$	143,264		$	—		$	42		$	—		$	143,306
Junior liens and lines of credit		50,621			—			45			—			50,666
Total		193,885			—			87			—			193,972
Residential real estate - construction		14,961			—			521			—			15,482
Commercial real estate		484,031			5,951			4,161			—			494,143
Commercial		225,737			—			391			—			226,128
Consumer		6,661			—			—			—			6,661
Total	$	925,275		$	5,951		$	5,160		$	—		$	936,386

December 31, 2019
Residential Real Estate 1-4 Family
First liens	$	142,847		$	—		$	99		$	—		$	142,946
Junior liens and lines of credit		47,520			—			77			—			47,597
Total		190,367			—			176			—			190,543
Residential real estate - construction		12,800			—			523			—			13,323
Commercial real estate		483,878			5,875			4,509			—			494,262
Commercial		229,465			4			538			—			230,007
Consumer		6,440			—			—			—			6,440
Total	$	922,950		$	5,879		$	5,746		$	—		$	934,575

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
March 31, 2020
Residential real estate - construction		1			443		$	443		$	—		—		$	—
Residential real estate		4			652			652			—		—			—
Commercial real estate		11			9,220			8,244			976		—			—
Total		16		$	10,315		$	9,339		$	976		—		$	—
December 31, 2019
Residential real estate - construction		1		$	444		$	444		$	—		—		$	—
Residential real estate		4			659			659			—		—			—
Commercial real estate		11			9,343			9,343			—		—			—
Total		16		$	10,446		$	10,446		$	—		—		$	—

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

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Tabular disclosure of allowance for credit loss on financing receivable.

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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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