XML 36 R26.htm IDEA: XBRL DOCUMENT
v3.19.2

Loans and Allowance for Loan Losses (Tables) | 6 Months Ended
--- | ---
Jun. 30, 2019
Receivables [Abstract] |
Schedule Of Composition Of Loans | The composition of loans at June 30, 2019 and December 31, 2018 was as follows:
|  | June 30, |  | December 31,
|  | 2019 |  | 2018
|  | (in thousands)
Mortgage loans on real estate: |  |  |  |
Construction and land development |  | $ | 48,137 |  |  | $ | 54,675 |
Secured by farmland |  | 10,549 |  |  | 7,251 |
Secured by 1-4 family residential properties |  | 228,814 |  |  | 221,861 |
Multifamily |  | 9,460 |  |  | 7,923 |
Commercial |  | 280,334 |  |  | 265,595 |
Commercial and industrial loans |  | 46,077 |  |  | 33,086 |
Consumer installment loans |  | 8,123 |  |  | 8,470 |
All other loans |  | 8,386 |  |  | 8,454 |
Total loans |  | $ | 639,880 |  |  | $ | 607,315 |
Net deferred loan fees |  | (684 | ) |  | (488 | )
Allowance for loan losses |  | (5,035 | ) |  | (5,456 | )
Net Loans |  | $ | 634,161 |  |  | $ | 601,371 |
Changes In Allowance For Loan Losses | Changes in the allowance for loan losses for the six months ended June 30, 2019 and 2018 and the year ended December 31, 2018 were as follows:
| Six Months Ended |  | Year Ended |  | Six Months Ended
| June 30, |  | December 31, |  | June 30,
| 2019 |  | 2018 |  | 2018
|  |  | (in thousands) |  |
Balance, beginning | $ | 5,456 |  |  | $ | 4,411 |  |  | $ | 4,411 |
Provision for loan losses | 450 |  |  | 777 |  |  | 108 |
Recoveries added to the allowance | 99 |  |  | 504 |  |  | 197 |
Loan losses charged to the allowance | (970 | ) |  | (236 | ) |  | (168 | )
Balance, ending | $ | 5,035 |  |  | $ | 5,456 |  |  | $ | 4,548 |
Nonaccrual And Past Due Loans By Class | Nonaccrual and past due loans by class at June 30, 2019 and December 31, 2018 were as follows:
| June 30, 2019
| (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 | $ | — |  |  | $ | 87 |  |  | $ | — |  |  | $ | 87 |  |  | $ | 45,990 |  |  | $ | 46,077 |  |  | $ | — |  |  | $ | 432 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | 877 |  |  | — |  |  | 635 |  |  | 1,512 |  |  | 135,940 |  |  | 137,452 |  |  | — |  |  | 868 |
Non-owner occupied | 161 |  |  | — |  |  | — |  |  | 161 |  |  | 142,721 |  |  | 142,882 |  |  | — |  |  | 349 |
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | 9,787 |  |  | 9,787 |  |  | — |  |  | — |
Commercial | — |  |  | — |  |  | — |  |  | — |  |  | 48,899 |  |  | 48,899 |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Installment | 9 |  |  | 2 |  |  | — |  |  | 11 |  |  | 8,112 |  |  | 8,123 |  |  | — |  |  | 10 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | — |  |  | — |  |  | — |  |  | — |  |  | 34,084 |  |  | 34,084 |  |  | — |  |  | 56 |
Single family | 1,154 |  |  | — |  |  | 2,057 |  |  | 3,211 |  |  | 191,519 |  |  | 194,730 |  |  | 68 |  |  | 2,664 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | 9,460 |  |  | 9,460 |  |  | — |  |  | — |
All Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | 8,386 |  |  | 8,386 |  |  | — |  |  | — |
Total | $ | 2,201 |  |  | $ | 89 |  |  | $ | 2,692 |  |  | $ | 4,982 |  |  | $ | 634,898 |  |  | $ | 639,880 |  |  | $ | 68 |  |  | $ | 4,379 |
| December 31, 2018
| (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 | $ | 127 |  |  | $ | — |  |  | $ | — |  |  | $ | 127 |  |  | $ | 32,959 |  |  | $ | 33,086 |  |  | $ | — |  |  | $ | 1,081 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | — |  |  | — |  |  | — |  |  | — |  |  | 136,309 |  |  | 136,309 |  |  | — |  |  | — |
Non-owner occupied | — |  |  | — |  |  | — |  |  | — |  |  | 129,286 |  |  | 129,286 |  |  | — |  |  | 364 |
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | 6,706 |  |  | 6,706 |  |  | — |  |  | — |
Commercial | — |  |  | — |  |  | — |  |  | — |  |  | 55,220 |  |  | 55,220 |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Installment | 4 |  |  | — |  |  | — |  |  | 4 |  |  | 8,466 |  |  | 8,470 |  |  | — |  |  | — |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | — |  |  | — |  |  | — |  |  | — |  |  | 32,815 |  |  | 32,815 |  |  | — |  |  | 92 |
Single family | 960 |  |  | 196 |  |  | 900 |  |  | 2,056 |  |  | 186,990 |  |  | 189,046 |  |  | 695 |  |  | 581 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | 7,923 |  |  | 7,923 |  |  | — |  |  | — |
All Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | 8,454 |  |  | 8,454 |  |  | — |  |  | — |
Total | $ | 1,091 |  |  | $ | 196 |  |  | $ | 900 |  |  | $ | 2,187 |  |  | $ | 605,128 |  |  | $ | 607,315 |  |  | $ | 695 |  |  | $ | 2,118 |
Allowance For Loan Losses By Segment | Allowance for loan losses by segment at June 30, 2019 and December 31, 2018 were as follows:
| As of and For the Six Months Ended
| June 30, 2019
| (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 | $ | 583 |  |  | $ | 1,788 |  |  | $ | 1,988 |  |  | $ | 919 |  |  | $ | 53 |  |  | $ | 97 |  |  | $ | 28 |  |  | $ | 5,456 |
Charge-Offs | — |  |  | (382 | ) |  | — |  |  | (550 | ) |  | (3 | ) |  | (35 | ) |  | — |  |  | (970 | )
Recoveries | 4 |  |  | 38 |  |  | 9 |  |  | 26 |  |  | 15 |  |  | 7 |  |  | — |  |  | 99 |
Provision for (recovery of) loan losses | (36 | ) |  | 411 |  |  | 10 |  |  | 89 |  |  | (17 | ) |  | 21 |  |  | (28 | ) |  | 450 |
Ending balance | $ | 551 |  |  | $ | 1,855 |  |  | $ | 2,007 |  |  | $ | 484 |  |  | $ | 48 |  |  | $ | 90 |  |  | $ | — |  |  | $ | 5,035 |
Ending balance: Individually evaluated for impairment | $ | — |  |  | $ | 46 |  |  | $ | 179 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 225 |
Ending balance: collectively evaluated for impairment | $ | 551 |  |  | $ | 1,809 |  |  | $ | 1,828 |  |  | $ | 484 |  |  | $ | 48 |  |  | $ | 90 |  |  | $ | — |  |  | $ | 4,810 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 58,686 |  |  | $ | 238,274 |  |  | $ | 280,334 |  |  | $ | 46,077 |  |  | $ | 8,123 |  |  | $ | 8,386 |  |  | $ | — |  |  | $ | 639,880 |
Ending balance individually evaluated for impairment | $ | 264 |  |  | $ | 4,992 |  |  | $ | 3,655 |  |  | $ | 648 |  |  | $ | 10 |  |  | $ | — |  |  | $ | — |  |  | $ | 9,569 |
Ending balance collectively evaluated for impairment | $ | 58,422 |  |  | $ | 233,282 |  |  | $ | 276,679 |  |  | $ | 45,429 |  |  | $ | 8,113 |  |  | $ | 8,386 |  |  | $ | — |  |  | $ | 630,311 |
| As of and for the Twelve Months Ended
| December 31, 2018
| (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 | $ | 332 |  |  | $ | 1,754 |  |  | $ | 1,627 |  |  | $ | 570 |  |  | $ | 69 |  |  | $ | 29 |  |  | $ | 30 |  |  | $ | 4,411 |
Charge-Offs | — |  |  | (24 | ) |  | — |  |  | (139 | ) |  | (33 | ) |  | (40 | ) |  | — |  |  | (236 | )
Recoveries | 266 |  |  | 28 |  |  | 78 |  |  | 100 |  |  | 19 |  |  | 13 |  |  | — |  |  | 504 |
Provision for (recovery of) loan losses | (15 | ) |  | 30 |  |  | 283 |  |  | 388 |  |  | (2 | ) |  | 95 |  |  | (2 | ) |  | 777 |
Ending balance | $ | 583 |  |  | $ | 1,788 |  |  | $ | 1,988 |  |  | $ | 919 |  |  | $ | 53 |  |  | $ | 97 |  |  | $ | 28 |  |  | $ | 5,456 |
Ending balance: Individually evaluated for impairment | $ | — |  |  | $ | 119 |  |  | $ | 193 |  |  | $ | 650 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 962 |
Ending balance: collectively evaluated for impairment | $ | 583 |  |  | $ | 1,669 |  |  | $ | 1,795 |  |  | $ | 269 |  |  | $ | 53 |  |  | $ | 97 |  |  | $ | 28 |  |  | $ | 4,494 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 61,926 |  |  | $ | 229,784 |  |  | $ | 265,595 |  |  | $ | 33,086 |  |  | $ | 8,470 |  |  | $ | 8,454 |  |  | $ | — |  |  | $ | 607,315 |
Ending balance individually evaluated for impairment | $ | 280 |  |  | $ | 4,044 |  |  | $ | 2,919 |  |  | $ | 1,316 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 8,559 |
Ending balance collectively evaluated for impairment | $ | 61,646 |  |  | $ | 225,740 |  |  | $ | 262,676 |  |  | $ | 31,770 |  |  | $ | 8,470 |  |  | $ | 8,454 |  |  | $ | — |  |  | $ | 598,756 |
Impaired Loans By Class | Impaired loans by class as of and for the periods ended June 30, 2019 and December 31, 2018 were as follows:
| As of and for the Six Months Ended
| June 30, 2019
| (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 | $ | 1,434 |  |  | $ | 648 |  |  | $ | — |  |  | $ | 714 |  |  | $ | 11 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | 906 |  |  | 905 |  |  | — |  |  | 906 |  |  | 8 |
Non-owner occupied | 412 |  |  | 349 |  |  | — |  |  | 353 |  |  | — |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | 317 |  |  | 265 |  |  | — |  |  | 273 |  |  | 13 |
Consumer: |  |  |  |  |  |  |  |  |
Installment | 10 |  |  | 10 |  |  | — |  |  | 10 |  |  | — |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | 259 |  |  | 56 |  |  | — |  |  | 56 |  |  | — |
Single family | 4,697 |  |  | 3,886 |  |  | — |  |  | 3,919 |  |  | 44 |
Multifamily | 374 |  |  | 375 |  |  | — |  |  | 379 |  |  | 10 |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 8,409 |  |  | $ | 6,494 |  |  | $ | — |  |  | $ | 6,610 |  |  | $ | 86 |
With an allowance recorded: |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | — |  |  | — |  |  | — |  |  | — |  |  | — |
Non-owner occupied | 2,401 |  |  | 2,409 |  |  | 179 |  |  | 2,419 |  |  | 51 |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |
Installment | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | — |  |  | — |  |  | — |  |  | — |  |  | — |
Single family | 739 |  |  | 683 |  |  | 46 |  |  | 687 |  |  | 16 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 3,140 |  |  | $ | 3,092 |  |  | $ | 225 |  |  | $ | 3,106 |  |  | $ | 67 |
Total: |  |  |  |  |  |  |  |  |
Commercial | $ | 1,434 |  |  | $ | 648 |  |  | $ | — |  |  | $ | 714 |  |  | $ | 11 |
Commercial Real Estate | 3,719 |  |  | 3,663 |  |  | 179 |  |  | 3,678 |  |  | 59 |
Construction and Farmland | 317 |  |  | 265 |  |  | — |  |  | 273 |  |  | 13 |
Consumer | 10 |  |  | 10 |  |  | — |  |  | 10 |  |  | — |
Residential | 6,069 |  |  | 5,000 |  |  | 46 |  |  | 5,041 |  |  | 70 |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 11,549 |  |  | $ | 9,586 |  |  | $ | 225 |  |  | $ | 9,716 |  |  | $ | 153 |
(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. Accrued interest and net deferred loan fees or costs totaled $17 thousand at June 30, 2019.
| As of and for the Twelve Months End
| December 31, 2018
| (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 | $ | 564 |  |  | $ | 356 |  |  | $ | — |  |  | $ | 422 |  |  | $ | 25 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | — |  |  | — |  |  | — |  |  | — |  |  | — |
Non-owner occupied | 558 |  |  | 501 |  |  | — |  |  | 511 |  |  | 4 |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | 332 |  |  | 281 |  |  | — |  |  | 297 |  |  | 27 |
Consumer: |  |  |  |  |  |  |  |  |
Installment | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | 468 |  |  | 92 |  |  | — |  |  | 93 |  |  | — |
Single family | 2,616 |  |  | 2,499 |  |  | — |  |  | 2,565 |  |  | 101 |
Multifamily | 284 |  |  | 286 |  |  | — |  |  | 289 |  |  | 14 |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 4,822 |  |  | $ | 4,015 |  |  | $ | — |  |  | $ | 4,177 |  |  | $ | 171 |
With an allowance recorded: |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 971 |  |  | $ | 960 |  |  | $ | 650 |  |  | $ | 1,063 |  |  | $ | 60 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | — |  |  | — |  |  | — |  |  | — |  |  | — |
Non-owner occupied | 2,418 |  |  | 2,425 |  |  | 193 |  |  | 2,454 |  |  | 101 |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |
Installment | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | — |  |  | — |  |  | — |  |  | — |  |  | — |
Single family | 1,242 |  |  | 1,190 |  |  | 119 |  |  | 1,204 |  |  | 51 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 4,631 |  |  | $ | 4,575 |  |  | $ | 962 |  |  | $ | 4,721 |  |  | $ | 212 |
Total: |  |  |  |  |  |  |  |  |
Commercial | $ | 1,535 |  |  | $ | 1,316 |  |  | $ | 650 |  |  | $ | 1,485 |  |  | $ | 85 |
Commercial Real Estate | 2,976 |  |  | 2,926 |  |  | 193 |  |  | 2,965 |  |  | 105 |
Construction and Farmland | 332 |  |  | 281 |  |  | — |  |  | 297 |  |  | 27 |
Consumer | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential | 4,610 |  |  | 4,067 |  |  | 119 |  |  | 4,151 |  |  | 166 |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 9,453 |  |  | $ | 8,590 |  |  | $ | 962 |  |  | $ | 8,898 |  |  | $ | 383 |
Credit Quality Information By Class | Credit quality information by class at June 30, 2019 and December 31, 2018 was as follows:
| As of
| June 30, 2019
| (in thousands)
INTERNAL RISK RATING GRADES | Pass |  | Pass Monitored |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 42,109 |  |  | $ | 3,177 |  |  | $ | 343 |  |  | $ | 448 |  |  | $ | — |  |  | $ | — |  |  | $ | 46,077 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | 104,788 |  |  | 18,767 |  |  | 12,992 |  |  | 905 |  |  | — |  |  | — |  |  | 137,452 |
Non-owner occupied | 113,499 |  |  | 10,228 |  |  | 17,183 |  |  | 1,972 |  |  | — |  |  | — |  |  | 142,882 |
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | 7,554 |  |  | 2,233 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 9,787 |
Commercial | 18,539 |  |  | 27,351 |  |  | 2,681 |  |  | 328 |  |  | — |  |  | — |  |  | 48,899 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | 32,697 |  |  | 1,331 |  |  | — |  |  | 25 |  |  | 31 |  |  | — |  |  | 34,084 |
Single family | 174,675 |  |  | 15,413 |  |  | 756 |  |  | 3,746 |  |  | 140 |  |  | — |  |  | 194,730 |
Multifamily | 7,295 |  |  | 603 |  |  | 1,188 |  |  | 374 |  |  | — |  |  | — |  |  | 9,460 |
All other loans | 8,359 |  |  | 27 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 8,386 |
Total | $ | 509,515 |  |  | $ | 79,130 |  |  | $ | 35,143 |  |  | $ | 7,798 |  |  | $ | 171 |  |  | $ | — |  |  | $ | 631,757 |
| Performing |  | Nonperforming
Consumer Credit Exposure by Payment Activity | $ | 8,112 |  |  | $ | 11 |
| As of
| December 31, 2018
| (in thousands)
INTERNAL RISK RATING GRADES | Pass |  | Pass Monitored |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 28,699 |  |  | $ | 2,292 |  |  | $ | 995 |  |  | $ | 1,100 |  |  | $ | — |  |  | $ | — |  |  | $ | 33,086 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | 110,418 |  |  | 16,665 |  |  | 9,187 |  |  | 39 |  |  | — |  |  | — |  |  | 136,309 |
Non-owner occupied | 106,658 |  |  | 17,139 |  |  | 3,397 |  |  | 2,092 |  |  | — |  |  | — |  |  | 129,286 |
Construction and Farm land: |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | 2,295 |  |  | 1,120 |  |  | 3,291 |  |  | — |  |  | — |  |  | — |  |  | 6,706 |
Commercial | 16,682 |  |  | 22,533 |  |  | 15,658 |  |  | 347 |  |  | — |  |  | — |  |  | 55,220 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | 31,813 |  |  | 910 |  |  | — |  |  | 16 |  |  | 76 |  |  | — |  |  | 32,815 |
Single family | 172,360 |  |  | 11,567 |  |  | 2,704 |  |  | 2,270 |  |  | 145 |  |  | — |  |  | 189,046 |
Multifamily | 7,160 |  |  | 479 |  |  | — |  |  | 284 |  |  | — |  |  | — |  |  | 7,923 |
All other loans | 8,435 |  |  | 19 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 8,454 |
Total | $ | 484,520 |  |  | $ | 72,724 |  |  | $ | 35,232 |  |  | $ | 6,148 |  |  | $ | 221 |  |  | $ | — |  |  | $ | 598,845 |
| Performing |  | Nonperforming
Consumer Credit Exposure by Payment Activity | $ | 8,466 |  |  | $ | 4 |

X
- Definition Schedule of allowance for loan losses by segment [Table Text Block]. + References No definition available. + Details
Name: | efsi_ScheduleOfAllowanceForLoanLossesBySegmentTableTextBlock
Namespace Prefix: | efsi_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Schedule Of Composition Of Loans [Table Text Block] + References No definition available. + Details
Name: | efsi_ScheduleOfCompositionOfLoansTableTextBlock
Namespace Prefix: | efsi_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- 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=119407570&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=118936363&loc=SL6953659-111524 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of impaired financing receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=118936363&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable on nonaccrual status. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=118936363&loc=d3e5111-111524 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 16 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919258-210447 + Details
Name: | us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration