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Loan Quality (Tables)

12 Months Ended

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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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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