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Allowance For Loan Losses (Tables)

3 Months Ended

Mar. 31, 2017

Receivables [Abstract]

Changes In Allowance For Loan Losses

Changes in the allowance for loan losses for the three months ended March 31, 2017 and 2016 and the year ended December 31, 2016 were as follows:

	Three Months Ended				Year Ended				Three Months Ended
	March 31,				December 31,				March 31,
	2017				2016				2016
					(in thousands)
Balance, beginning	$	4,505			$	4,959			$	4,959
(Recovery of) provision for loan losses	(527		)		(188		)		79
Recoveries added to the allowance	502				341				38
Loan losses charged to the allowance	(62		)		(607		)		(73		)
Balance, ending	$	4,418			$	4,505			$	5,003

Nonaccrual And Past Due Loans By Class

Nonaccrual and past due loans by class at March 31, 2017 and December 31, 2016 were as follows:

	March 31, 2017
	(in thousands)
	30 - 59 Days Past Due				60 - 89 Days Past Due				90 or More Days Past Due				Total Past Due				Current				Total Loans				90 or More Days Past  Due Still Accruing				Nonaccrual Loans
Commercial - Non Real Estate:
Commercial & Industrial	$	55			$	—			$	—			$	55			$	33,227			$	33,282			$	—			$	258
Commercial Real Estate:
Owner Occupied	202				—				—				202				115,493				115,695				—				423
Non-owner occupied	198				—				183				381				94,337				94,718				—				370
Construction and Farmland:
Residential	—				—				—				—				2,711				2,711				—				—
Commercial	—				—				—				—				31,183				31,183				—				—
Consumer:
Installment	44				7				—				51				11,785				11,836				—				9
Residential:
Equity Lines	33				—				—				33				31,577				31,610				—				111
Single family	1,271				155				4,295				5,721				187,110				192,831				—				5,163
Multifamily	—				—				—				—				3,498				3,498				—				—
All Other Loans	—				—				—				—				1,994				1,994				—				—
Total	$	1,803			$	162			$	4,478			$	6,443			$	512,915			$	519,358			$	—			$	6,334

	December 31, 2016
	(in thousands)
	30 - 59 Days Past Due				60 - 89 Days Past Due				90 or More Days Past Due				Total Past Due				Current				Total Loans				90 or More Past Due  Still Accruing				Nonaccrual Loans
Commercial - Non Real Estate:
Commercial & Industrial	$	69			$	49			$	—			$	118			$	30,223			$	30,341			$	—			$	278
Commercial Real Estate:
Owner Occupied	150				384				—				534				114,820				115,354				—				431
Non-owner occupied	—				54				135				189				92,982				93,171				—				1,066
Construction and Farmland:
Residential	50				—				—				50				4,627				4,677				—				—
Commercial	499				—				—				499				26,615				27,114				—				—
Consumer:
Installment	23				2				11				36				12,641				12,677				8				8
Residential:
Equity Lines	66				—				—				66				31,240				31,306				—				132
Single family	444				51				166				661				195,999				196,660				—				5,076
Multifamily	—				—				—				—				3,566				3,566				—				—
All Other Loans	—				—				—				—				2,076				2,076				—				—
Total	$	1,301			$	540			$	312			$	2,153			$	514,789			$	516,942			$	8			$	6,991

Allowance For Loan Losses By Segment

Allowance for loan losses by segment at March 31, 2017 and December 31, 2016 were as follows:

	As of and for the Three Months Ended
	March 31, 2017
	(in thousands)
	Construction and Farmland				Residential				Commercial Real Estate				Commercial - Non Real Estate				Consumer				All Other Loans				Unallocated				Total
Allowance for credit losses:
Beginning Balance	$	450			$	1,992			$	1,522			$	235			$	69			$	22			$	215			$	4,505
Charge-Offs	—				—				—				(41		)		(17		)		(4		)		—				(62		)
Recoveries	482				6				1				1				11				1				—				502
(Recovery of) provision for loan losses	(519		)		(80		)		2				72				1				1				(4		)		(527		)
Ending balance	$	413			$	1,918			$	1,525			$	267			$	64			$	20			$	211			$	4,418
Ending balance: Individually evaluated for impairment	$	—			$	252			$	100			$	14			$	—			$	—			$	—			$	366
Ending balance: collectively evaluated for impairment	$	413			$	1,666			$	1,425			$	253			$	64			$	20			$	211			$	4,052
Loans:
Ending balance	$	33,894			$	227,939			$	210,413			$	33,282			$	11,836			$	1,994			$	—			$	519,358
Ending balance individually evaluated for impairment	$	338			$	8,993			$	2,152			$	536			$	9			$	—			$	—			$	12,028
Ending balance collectively evaluated for impairment	$	33,556			$	218,946			$	208,261			$	32,746			$	11,827			$	1,994			$	—			$	507,330

	As of and for the Twelve Months Ended
	December 31, 2016
	(in thousands)
	Construction and Farmland				Residential				Commercial Real Estate				Commercial - Non Real Estate				Consumer				All Other Loans				Unallocated				Total
Allowance for credit losses:
Beginning Balance	$	775			$	2,322			$	1,268			$	211			$	109			$	53			$	221			$	4,959
Charge-Offs	—				(535		)		—				—				(30		)		(42		)		—				(607		)
Recoveries	144				124				8				11				49				5				—				341
(Recovery of) provision for loan losses	(469		)		81				246				13				(59		)		6				(6		)		(188		)
Ending balance	$	450			$	1,992			$	1,522			$	235			$	69			$	22			$	215			$	4,505
Ending balance: Individually evaluated for impairment	$	—			$	268			$	102			$	15			$	—			$	—			$	—			$	385
Ending balance: collectively evaluated for impairment	$	450			$	1,724			$	1,420			$	220			$	69			$	22			$	215			$	4,120
Loans:
Ending balance	$	31,791			$	231,532			$	208,525			$	30,341			$	12,677			$	2,076			$	—			$	516,942
Ending balance individually evaluated for impairment	$	1,320			$	8,608			$	2,864			$	581			$	7			$	—			$	—			$	13,380
Ending balance collectively evaluated for impairment	$	30,471			$	222,924			$	205,661			$	29,760			$	12,670			$	2,076			$	—			$	503,562

Impaired Loans By Class

Impaired loans by class as of and for the periods ended March 31, 2017 and December 31, 2016 were as follows:

	As of and for the Three Months Ended
	March 31, 2017
	(in thousands)
	Unpaid Principal Balance				Recorded Investment (1)				Related Allowance				Average Recorded Investment				Interest Income Recognized
With no related allowance:
Commercial - Non Real Estate:
Commercial & Industrial	$	278			$	261			$	—			$	279			$	4
Commercial Real Estate:
Owner Occupied	867				761				—				762				4
Non-owner occupied	511				371				—				371				—
Construction and Farmland:
Residential	—				—				—				—				—
Commercial	338				339				—				343				7
Consumer:
Installment	10				9				—				10				—
Residential:
Equity lines	—				—				—				—				—
Single family	7,720				7,491				—				7,510				29
Multifamily	—				—				—				—				—
Other Loans	—				—				—				—				—
	$	9,724			$	9,232			$	—			$	9,275			$	44
With an allowance recorded:
Commercial - Non Real Estate:
Commercial & Industrial	$	275			$	275			$	14			$	280			$	3
Commercial Real Estate:
Owner Occupied	202				203				37				203				1
Non-owner occupied	819				822				63				824				9
Construction and Farmland:
Residential	—				—				—				—				—
Commercial	—				—				—				—				—
Residential:
Equity lines	456				111				52				113
Single family	1,446				1,401				200				1,406				15
Multifamily	—				—				—				—				—
Other Loans	—				—				—				—				—
	$	3,198			$	2,812			$	366			$	2,826			$	28
Total:
Commercial	$	553			$	536			$	14			$	559			$	7
Commercial Real Estate	2,399				2,157				100				2,160				14
Construction and Farmland	338				339				—				343				7
Consumer	10				9				—				10				—
Residential	9,622				9,003				252				9,029				44
Other	—				—				—				—				—
Total	$	12,922			$	12,044			$	366			$	12,101			$	72

(1) Recorded investment is defined as the summation of the outstanding principal balance, accrued interest, net deferred loan fees or costs, and any partial charge-offs.

	As of and for the Twelve Months End
	December 31, 2016
	(in thousands)
	Unpaid Principal Balance				Recorded Investment (1)				Related Allowance				Average Recorded Investment				Interest Income Recognized
With no related allowance:
Commercial - Non Real Estate:
Commercial & Industrial	$	311			$	299			$	—			$	356			$	21
Commercial Real Estate:
Owner Occupied	869				772				—				778				15
Non-owner occupied	1,298				1,066				—				1,137				13
Construction and Farmland:
Residential	—				—				—				—				—
Commercial	1,320				1,324				—				1,358				75
Consumer:
Installment	8				8				—				9				—
Residential:
Equity lines	17				17				—				18				—
Single family	7,072				6,849				—				6,930				170
Multifamily	—				—				—				—				—
Other Loans	—				—				—				—				—
	$	10,895			$	10,335			$	—			$	10,586			$	294
With an allowance recorded:
Commercial - Non Real Estate:
Commercial & Industrial	$	283			$	283			$	15			$	298			$	14
Commercial Real Estate:
Owner Occupied	203				203				37				205				10
Non-owner occupied	824				826				65				834				37
Construction and Farmland:
Residential	—				—				—				—				—
Commercial	—				—				—				—				—
Residential:
Equity lines	458				115				56				120				—
Single family	1,678				1,638				212				1,676				60
Multifamily	—				—				—				—				—
Other Loans	—				—				—				—				—
	$	3,446			$	3,065			$	385			$	3,133			$	121
Total:
Commercial	$	594			$	582			$	15			$	654			$	35
Commercial Real Estate	3,194				2,867				102				2,954				75
Construction and Farmland	1,320				1,324				—				1,358				75
Consumer	8				8				—				9				—
Residential	9,225				8,619				268				8,744				230
Other	—				—				—				—				—
Total	$	14,341			$	13,400			$	385			$	13,719			$	415

Credit Quality Information By Class

Credit quality information by class at March 31, 2017 and December 31, 2016 was as follows:

	As of
	March 31, 2017
	(in thousands)
INTERNAL RISK RATING GRADES	Pass				Pass Monitored				Special Mention				Substandard				Doubtful				Loss				Total
Commercial - Non Real Estate:
Commercial & Industrial	$	28,711			$	4,257			$	—			$	314			$	—			$	—			$	33,282
Commercial Real Estate:
Owner Occupied	99,193				15,741				—				338				423				—				115,695
Non-owner occupied	60,216				33,699				—				803				—				—				94,718
Construction and Farmland:
Residential	2,661				50				—				—				—				—				2,711
Commercial	21,397				9,448				—				338				—				—				31,183
Residential:
Equity Lines	31,115				384				—				—				111				—				31,610
Single family	177,646				7,547				538				6,953				147				—				192,831
Multifamily	3,498				—				—				—				—				—				3,498
All other loans	1,994				—				—				—				—				—				1,994
Total	$	426,431			$	71,126			$	538			$	8,746			$	681			$	—			$	507,522

	Performing				Nonperforming
Consumer Credit Exposure by Payment Activity	$	11,785			$	51

	As of
	December 31, 2016
	(in thousands)
INTERNAL RISK RATING GRADES	Pass				Pass Monitored				Special Mention				Substandard				Doubtful				Loss				Total
Commercial - Non Real Estate:
Commercial & Industrial	$	25,951			$	3,858			$	170			$	362			$	—			$	—			$	30,341
Commercial Real Estate:
Owner Occupied	99,365				13,050				1,766				742				431				—				115,354
Non-owner occupied	60,259				30,515				891				1,506				—				—				93,171
Construction and Farm land:
Residential	4,627				50				—				—				—				—				4,677
Commercial	21,105				5,349				314				346				—				—				27,114
Residential:
Equity Lines	30,791				382				—				17				116				—				31,306
Single family	182,404				6,850				724				6,533				149				—				196,660
Multifamily	3,032				534				—				—				—				—				3,566
All other loans	2,076				—				—				—				—				—				2,076
Total	$	429,610			$	60,588			$	3,865			$	9,506			$	696			$	—			$	504,265

	Performing				Nonperforming
Consumer Credit Exposure by Payment Activity	$	12,641			$	36

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Schedule of allowance for loan losses by segment [Table Text Block].

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Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

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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.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 55
-Paragraph 19
-URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525

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-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 29
-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953659-111524

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Tabular disclosure of impaired financing receivables.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5212-111524

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Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5111-111524

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