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Loan Quality (Tables) | 12 Months Ended
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Dec. 31, 2020
Loan Quality [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, 2020 2018
|  | 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, 2018 |  | $ | 491 |  | $ | 133 |  | $ | 110 |  | $ | 6,278 |  | $ | 4,783 |  | $ | 70 |  | $ | 550 |  | $ | 12,415
Charge-offs |  |  | (52) |  |  | (12) |  |  | (123) |  |  | (564) |  |  | (93) |  |  | (125) |  |  | — |  |  | (969)
Recoveries |  |  | 5 |  |  | 1 |  |  | — |  |  | 72 |  |  | 170 |  |  | 35 |  |  | — |  |  | 283
Provision |  |  | (28) |  |  | (3) |  |  | 200 |  |  | 821 |  |  | (839) |  |  | 104 |  |  | (18) |  |  | 237
ALL at December 31, 2019 |  | $ | 416 |  | $ | 119 |  | $ | 187 |  | $ | 6,607 |  | $ | 4,021 |  | $ | 84 |  | $ | 532 |  | $ | 11,966
ALL at December 31, 2019 |  | $ | 416 |  | $ | 119 |  | $ | 187 |  | $ | 6,607 |  | $ | 4,021 |  | $ | 84 |  | $ | 532 |  | $ | 11,966
Charge-offs |  |  | — |  |  | (10) |  |  | — |  |  | (55) |  |  | (463) |  |  | (117) |  |  | — |  |  | (645)
Recoveries |  |  | 4 |  |  | — |  |  | — |  |  | 545 |  |  | 268 |  |  | 26 |  |  | — |  |  | 843
Provision |  |  | 135 |  |  | 117 |  |  | 107 |  |  | 2,066 |  |  | 1,853 |  |  | 104 |  |  | 243 |  |  | 4,625
ALL at December 31, 2020 |  | $ | 555 |  | $ | 226 |  | $ | 294 |  | $ | 9,163 |  | $ | 5,679 |  | $ | 97 |  | $ | 775 |  | $ | 16,789
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, 2020 and 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
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans evaluated for ALL: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually |  | $ | 637 |  | $ | — |  | $ | 512 |  | $ | 16,104 |  | $ | — |  | $ | — |  | $ | — |  | $ | 17,253
Collectively |  |  | 136,587 |  |  | 65,360 |  |  | 15,797 |  |  | 487,873 |  |  | 281,257 |  |  | 5,577 |  |  | — |  |  | 992,451
Total |  | $ | 137,224 |  | $ | 65,360 |  | $ | 16,309 |  | $ | 503,977 |  | $ | 281,257 |  | $ | 5,577 |  | $ | — |  | $ | 1,009,704
ALL established for ‎ loans evaluated: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually |  | $ | — |  | $ | — |  | $ | — |  | $ | 228 |  | $ | — |  | $ | — |  | $ | — |  | $ | 228
Collectively |  |  | 555 |  |  | 226 |  |  | 294 |  |  | 8,935 |  |  | 5,679 |  |  | 97 |  |  | 775 |  |  | 16,561
ALL at December 31, 2020 |  | $ | 555 |  | $ | 226 |  | $ | 294 |  | $ | 9,163 |  | $ | 5,679 |  | $ | 97 |  | $ | 775 |  | $ | 16,789
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 |  |  | 187 |  |  | 6,607 |  |  | 4,021 |  |  | 84 |  |  | 532 |  |  | 11,966
ALL at December 31, 2019 |  | $ | 416 |  | $ | 119 |  | $ | 187 |  | $ | 6,607 |  | $ | 4,021 |  | $ | 84 |  | $ | 532 |  | $ | 11,966
Impaired Financing Receivables |
|  | Impaired Loans
|  | With No Allowance |  | With Allowance
(Dollars in thousands) |  |  |  |  | Unpaid |  |  |  |  | Unpaid |  |  |
|  | Recorded |  | Principal |  | Recorded |  | Principal |  | Related
December 31, 2020 |  | Investment |  | Balance |  | Investment |  | Balance |  | Allowance
Residential Real Estate 1-4 Family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First liens |  | $ | 637 |  | $ | 637 |  | $ | — |  | $ | — |  | $ | —
Junior liens and lines of credit |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  |  | 637 |  |  | 637 |  |  | — |  |  | — |  |  | —
Residential real estate - construction |  |  | 512 |  |  | 729 |  |  | — |  |  | — |  |  | —
Commercial real estate |  |  | 10,402 |  |  | 11,107 |  |  | 5,702 |  |  | 5,702 |  |  | 228
Commercial |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 11,551 |  | $ | 12,473 |  | $ | 5,702 |  | $ | 5,702 |  | $ | 228
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 |  | $ | — |  | $ | — |  | $ | —
|  | Twelve Months Ended
|  | December 31, 2020 |  | December 31, 2019
|  | Average |  | Interest |  | Average |  | Interest
(Dollars in thousands) |  | Recorded |  | Income |  | Recorded |  | Income
|  | Investment |  | Recognized |  | Investment |  | Recognized
Residential Real Estate 1-4 Family |  |  |  |  |  |  |  |  |  |  |  |
First liens |  | $ | 648 |  | $ | 40 |  | $ | 668 |  | $ | 39
Junior liens and lines of credit |  |  | — |  |  | — |  |  | — |  |  | —
Total |  |  | 648 |  |  | 40 |  |  | 668 |  |  | 39
Residential real estate - construction |  |  | 518 |  |  | — |  |  | 619 |  |  | —
Commercial real estate |  |  | 13,839 |  |  | 390 |  |  | 13,319 |  |  | 397
Commercial |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 15,005 |  | $ | 430 |  | $ | 14,606 |  | $ | 436
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, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Real Estate 1-4 Family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First liens |  | $ | 137,056 |  | $ | 43 |  | $ | 58 |  | $ | 26 |  | $ | 127 |  | $ | 41 |  | $ | 137,224
Junior liens and lines of credit |  |  | 65,212 |  |  | 115 |  |  | 23 |  |  | — |  |  | 138 |  |  | 10 |  |  | 65,360
Total |  |  | 202,268 |  |  | 158 |  |  | 81 |  |  | 26 |  |  | 265 |  |  | 51 |  |  | 202,584
Residential real estate - construction |  |  | 15,797 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 512 |  |  | 16,309
Commercial real estate |  |  | 495,609 |  |  | 74 |  |  | 261 |  |  | — |  |  | 335 |  |  | 8,033 |  |  | 503,977
Commercial |  |  | 280,930 |  |  | 219 |  |  | — |  |  | — |  |  | 219 |  |  | 108 |  |  | 281,257
Consumer |  |  | 5,525 |  |  | 38 |  |  | 2 |  |  | 12 |  |  | 52 |  |  | — |  |  | 5,577
Total |  | $ | 1,000,129 |  | $ | 489 |  | $ | 344 |  | $ | 38 |  | $ | 871 |  | $ | 8,704 |  | $ | 1,009,704
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
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Real Estate 1-4 Family |  |  |  |  |  |  |  |  |  |  |  |  |  |
First liens | $ | 137,156 |  | $ | — |  | $ | 68 |  | $ | — |  | $ | 137,224
Junior liens and lines of credit |  | 65,350 |  |  | — |  |  | 10 |  |  | — |  |  | 65,360
Total |  | 202,506 |  |  | — |  |  | 78 |  |  | — |  |  | 202,584
Residential real estate - construction |  | 15,797 |  |  | — |  |  | 512 |  |  | — |  |  | 16,309
Commercial real estate |  | 449,478 |  |  | 35,947 |  |  | 18,552 |  |  | — |  |  | 503,977
Commercial |  | 270,272 |  |  | 10,698 |  |  | 287 |  |  | — |  |  | 281,257
Consumer |  | 5,565 |  |  | — |  |  | 12 |  |  | — |  |  | 5,577
Total | $ | 943,618 |  | $ | 46,645 |  | $ | 19,441 |  | $ | — |  | $ | 1,009,704
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 | The following table presents TDR loans as of December 31, 2020 and 2019:
|  |  |  |  |  |  |  |  |  |  |  |  | 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, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate - construction |  | 1 |  | $ | 434 |  | $ | 434 |  | $ | — |  | — |  | $ | —
Residential real estate |  | 4 |  |  | 637 |  |  | 637 |  |  | — |  | — |  |  | —
Commercial real estate - owner occupied |  | 4 |  |  | 1,224 |  |  | 1,224 |  |  | — |  | — |  |  | —
Commercial real estate - farmland |  | 6 |  |  | 2,257 |  |  | 2,257 |  |  | — |  | — |  |  | —
Commercial real estate - construction and land development |  | 2 |  |  | 6,129 |  |  | 6,129 |  |  | — |  | — |  |  | —
Commercial real estate |  | 2 |  |  | 330 |  |  | 122 |  |  | 208 |  | — |  |  | —
Total |  | 19 |  | $ | 11,011 |  | $ | 10,803 |  | $ | 208 |  | — |  | $ | —
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate - construction |  | 1 |  | $ | 444 |  | $ | 444 |  | $ | — |  | — |  | $ | —
Residential real estate |  | 4 |  |  | 659 |  |  | 659 |  |  | — |  | — |  |  | —
Commercial real estate - owner occupied |  | 2 |  |  | 846 |  |  | 846 |  |  | — |  | — |  |  | —
Commercial real estate - farmland |  | 5 |  |  | 1,646 |  |  | 1,646 |  |  | — |  | — |  |  | —
Commercial real estate - construction and land development |  | 2 |  |  | 6,487 |  |  | 6,487 |  |  | — |  | — |  |  | —
Commercial real estate |  | 2 |  |  | 364 |  |  | 364 |  |  | — |  | — |  |  | —
Total |  | 16 |  | $ | 10,446 |  | $ | 10,446 |  | $ | — |  | — |  | $ | —
*The performing status is determined by the loan’s compliance with the modified terms. The following table presents new TDR loans made during the year ended December 31, 2020:
|  | New During Period
Twelve Months Ended |  | Number of |  | Pre-TDR |  | After-TDR |  | Recorded |  |
December 31, 2020 |  | Contracts |  | Modification |  | Modification |  | Investment |  | Concession
Commercial real estate - farm land |  | 1 |  | $ | 650 |  | $ | 650 |  | $ | 694 |  | multiple
Commercial real estate - owner occupied |  | 2 |  |  | 426 |  |  | 426 |  |  | 425 |  | maturity
|  | 3 |  | $ | 1,076 |  | $ | 1,076 |  | $ | 1,119 |  |
There were no new TDR loans made during the year ended December 31, 2019.

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