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Loan Quality (Tables) | 12 Months Ended
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Dec. 31, 2021
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, 2021 and 2020: 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, 2020 $ 555 $ 226 $ 294 $ 9,163 $ 5,679 $ 97 $ 775 $ 16,789 Charge-offs — — (28) (57) (50) (195) — (330)Recoveries — 170 — 1 505 31 — 707 Provision (80) (144) 59 (939) (1,007) 197 (186) (2,100)ALL at December 31, 2021 $ 475 $ 252 $ 325 $ 8,168 $ 5,127 $ 130 $ 589 $ 15,066 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, 2021 and 2020: 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, 2021 Loans evaluated for ALL: Individually $ 661 $ — $ 424 $ 10,520 $ — $ — $ — $ 11,605 Collectively 131,822 71,944 20,233 512,259 244,543 6,406 — 987,207 Total $ 132,483 $ 71,944 $ 20,657 $ 522,779 $ 244,543 $ 6,406 $ — $ 998,812 ALL established for ‎ loans evaluated: Individually $ — $ — $ — $ 698 $ — $ — $ — $ 698 Collectively 475 252 325 7,470 5,127 130 589 14,368 ALL at December 31, 2021 $ 475 $ 252 $ 325 $ 8,168 $ 5,127 $ 130 $ 589 $ 15,066 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
Impaired Financing Receivables | Impaired Loans With No Allowance With Allowance(Dollars in thousands) Unpaid Unpaid Recorded Principal Recorded Principal RelatedDecember 31, 2021 Investment Balance Investment Balance Allowance Residential Real Estate 1-4 Family First liens $ 661 $ 661 $ — $ — $ —Junior liens and lines of credit — — — — —Total 661 661 — — — Residential real estate - construction 424 729 — — — Commercial real estate 4,942 5,405 5,578 5,764 698 Commercial — — — — —Total $ 6,027 $ 6,795 $ 5,578 $ 5,764 $ 698 December 31, 2020 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 Twelve Months Ended December 31, 2021 December 31, 2020 Average Interest Average Interest (Dollars in thousands) Recorded Income Recorded Income Investment Recognized Investment Recognized Residential Real Estate 1-4 Family First liens $ 657 $ 32 $ 648 $ 40Junior liens and lines of credit — — — —Total 657 32 648 40 Residential real estate - construction 469 — 518 — Commercial real estate 14,530 341 13,839 390 Commercial — — — —Total $ 15,656 $ 373 $ 15,005 $ 430
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 LoansDecember 31, 2021 Residential Real Estate 1-4 Family First liens $ 132,224 $ 96 $ 113 $ — $ 209 $ 50 $ 132,483 Junior liens and lines of credit 71,788 118 — — 118 38 71,944 Total 204,012 214 113 — 327 88 204,427 Residential real estate - construction 20,233 — — — — 424 20,657 Commercial real estate 515,487 293 187 — 480 6,812 522,779 Commercial 244,377 106 — — 106 60 244,543 Consumer 6,368 27 11 — 38 — 6,406 Total $ 990,477 $ 640 $ 311 $ — $ 951 $ 7,384 $ 998,812 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
Internal Credit Rating For The Loan Portfolio | Pass OAEM Substandard Doubtful (Dollars in thousands)(1-5) (6) (7) (8) TotalDecember 31, 2021 Residential Real Estate 1-4 Family First liens$ 132,433 $ — $ 50 $ — $ 132,483Junior liens and lines of credit 71,906 — 38 — 71,944Total 204,339 — 88 — 204,427Residential real estate - construction 20,233 — 424 — 20,657Commercial real estate 486,903 19,006 16,870 — 522,779Commercial 244,315 49 179 — 244,543Consumer 6,406 — — — 6,406Total$ 962,196 $ 19,055 $ 17,561 $ — $ 998,812 December 31, 2020 Residential Real Estate 1-4 Family First liens$ 137,156 $ — $ 68 $ — $ 137,224Junior liens and lines of credit 65,350 — 10 — 65,360Total 202,506 — 78 — 202,584Residential real estate - construction 15,797 — 512 — 16,309Commercial real estate 449,478 35,947 18,552 — 503,977Commercial 270,272 10,698 287 — 281,257Consumer 5,565 — 12 — 5,577Total$ 943,618 $ 46,645 $ 19,441 $ — $ 1,009,704
Troubled Debt Restructuring Loans | The following table presents TDR loans as of December 31, 2021 and 2020: 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 InvestmentDecember 31, 2021 Residential real estate - construction 1 $ 424 $ — $ 424 — $ —Residential real estate 5 661 661 — — —Commercial real estate - owner occupied 4 1,161 1,161 — — —Commercial real estate - farmland 4 1,664 1,664 — — —Commercial real estate - multi-family residential 1 1,360 1,360 — — —Commercial real estate 2 294 294 — — — Total 17 $ 5,564 $ 5,140 $ 424 — $ — 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 - consturction and land development 2 6,129 6,129 — — —Commercial real estate 2 330 122 208 — — Total 19 $ 11,011 $ 10,803 $ 208 — $ — *The performing status is determined by the loan’s compliance with the modified terms. The following table presents new TDR loans made during 2021, concession granted and the recorded investment as of December 31, 2021: New During PeriodTwelve Months Ended Number of Pre-TDR After-TDR Recorded December 31, 2021 Contracts Modification Modification Investment ConcessionResidential real estate 1 $ 41 $ 50 $ 50 multiple The following table presents new TDR loans made during 2020, concession granted and the recorded investment as of December 31, 2021: New During PeriodTwelve Months Ended Number of Pre-TDR After-TDR Recorded December 31, 2020 Contracts Modification Modification Investment ConcessionCommercial real estate - farm land 1 $ 650 $ 650 $ 682 multipleCommercial real estate - owner occupied 2 426 426 412 maturity Total 3 $ 1,076 $ 1,076 $ 1,094

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- Definition 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. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953659-111524 + Details
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