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Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2021

Loans and Allowance for Loan Losses [Abstract]

Portfolio Loans

Loans are comprised of the following at December 31:

		2021				2020
Residential real estate		$	274,425			$	305,478
Commercial real estate:
Owner-occupied			71,979				51,863
Nonowner-occupied			176,100				164,523
Construction			33,718				37,063
Commercial and industrial			141,525				157,692
Consumer:
Automobile			48,206				55,241
Home equity			22,375				19,993
Other			62,863				56,811
			831,191				848,664
Less: Allowance for loan losses			(6,483	)			(7,160	)
Loans, net		$	824,708			$	841,504

Activity in Allowance for Loan Losses by Portfolio Segment

The following table presents the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2021, and 2020:

December 31, 2021		Residential Real Estate				Commercial Real Estate				Commercial & Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,480			$	2,431			$	1,776			$	1,473			$	7,160
Provision for loan losses			(615	)			(61	)			(258	)			515				(419	)
Loans charged off			(84	)			(115	)			(120	)			(1,162	)			(1,481	)
Recoveries			199				293				173				558				1,223
Total ending allowance balance		$	980			$	2,548			$	1,571			$	1,384			$	6,483

December 31, 2020		Residential Real Estate				Commercial Real Estate				Commercial & Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,250			$	1,928			$	1,447			$	1,647			$	6,272
Provision for loan losses			413				946				443				1,178				2,980
Loans charged off			(340	)			(559	)			(185	)			(1,949	)			(3,033	)
Recoveries			157				116				71				597				941
Total ending allowance balance		$	1,480			$	2,431			$	1,776			$	1,473			$	7,160

Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method

The following table presents the balance in the allowance for loan losses and the recorded investment of loans by portfolio segment and based on impairment method as of December 31, 2021 and 2020:

December 31, 2021		Residential Real Estate				Commercial Real Estate				Commercial & Industrial				Consumer				Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	—			$	—			$	10			$	—			$	10
Collectively evaluated for impairment			980				2,548				1,561				1,384				6,473
Total ending allowance balance		$	980			$	2,548			$	1,571			$	1,384			$	6,483
Loans:
Loans individually evaluated for impairment		$	—			$	5,411			$	4,531			$	81			$	10,023
Loans collectively evaluated for impairment			274,425				276,386				136,994				133,363				821,168
Total ending loans balance		$	274,425			$	281,797			$	141,525			$	133,444			$	831,191

December 31, 2020		Residential Real Estate				Commercial Real Estate				Commercial & Industrial				Consumer				Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	—			$	—			$	—			$	—			$	—
Collectively evaluated for impairment			1,480				2,431				1,776				1,473				7,160
Total ending allowance balance		$	1,480			$	2,431			$	1,776			$	1,473			$	7,160
Loans:
Loans individually evaluated for impairment		$	411			$	5,845			$	4,686			$	84			$	11,026
Loans collectively evaluated for impairment			305,067				247,604				153,006				131,961				837,638
Total ending loans balance		$	305,478			$	253,449			$	157,692			$	132,045			$	848,664

Loans Individually Evaluated for Impairment by Class of Loans

The following table presents information related to loans individually evaluated for impairment by class of loans as of the years ended December 31, 2021, and 2020:

December 31, 2021		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated				Average Impaired Loans				Interest Income Recognized				Cash Basis Interest Recognized
With an allowance recorded:
Commercial and industrial		$	1,993			$	1,993			$	10			$	1,987			$	94			$	94
With no related allowance recorded:
Commercial real estate:
Owner-occupied			5,052				5,027				—				5,151				309				309
Nonowner-occupied			384				384				—				387				29				29
Commercial and industrial			2,538				2,538				—				2,981				139				139
Consumer:
Home equity			31				31				—				32				2				2
Other			50				50				—				49				2				2
Total		$	10,048			$	10,023			$	10			$	10,587			$	575			$	575

December 31, 2020		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated				Average Impaired Loans				Interest Income Recognized				Cash Basis Interest Recognized
With an allowance recorded:		$	—			$	—			$	—			$	—			$	—			$	—
With no related allowance recorded:
Residential real estate			418				411				—				423				21				21
Commercial real estate:
Owner-occupied			5,256				5,256				—				3,417				260				260
Nonowner-occupied			632				589				—				626				29				29
Commercial and industrial			4,686				4,686				—				3,772				196				196
Consumer:
Home equity			34				34				—				28				2				2
Other			50				50				—				10				2				2
Total		$	11,076			$	11,026			$	—			$	8,276			$	510			$	510

Recorded Investment in Nonaccrual and Loans Past Due Over 90 Days Still on Accrual by Class of Loans

The following table presents the recorded investment of nonaccrual loans and loans past due 90 days or more and still accruing by class of loans as of December 31, 2021 and 2020:

		Loans Past Due 90 Days And Still Accruing				Nonaccrual
December 31, 2021
Residential real estate		$	10			$	2,683
Commercial real estate:
Owner-occupied			—				1,055
Nonowner-occupied			—				—
Construction			—				146
Commercial and industrial			65				150
Consumer:
Automobile			55				147
Home equity			—				148
Other			160				17
Total		$	290			$	4,346

		Loans Past Due 90 Days And Still Accruing				Nonaccrual
December 31, 2020
Residential real estate		$	127			$	5,256
Commercial real estate:
Owner-occupied			—				205
Nonowner-occupied			—				362
Construction			—				156
Commercial and industrial			15				149
Consumer:
Automobile			146				129
Home equity			—				210
Other			136				36
Total		$	424			$	6,503

Aging of Recorded Investment in Past Due Loans by Class of Loans

The following table presents the aging of the recorded investment of past due loans by class of loans as of December 31, 2021 and 2020:

December 31, 2021		30-59 Days Past Due				60-89 Days Past Due				90 Days Or More Past Due				Total Past Due				Loans Not Past Due				Total
Residential real estate		$	2,208			$	1,218			$	921			$	4,347			$	270,078			$	274,425
Commercial real estate:
Owner-occupied			895				—				153				1,048				70,931				71,979
Nonowner-occupied			100				—				—				100				176,000				176,100
Construction			36				53				33				122				33,596				33,718
Commercial and industrial			517				60				215				792				140,733				141,525
Consumer:
Automobile			656				148				194				998				47,208				48,206
Home equity			35				165				47				247				22,128				22,375
Other			401				133				177				711				62,152				62,863
Total		$	4,848			$	1,777			$	1,740			$	8,365			$	822,826			$	831,191

December 31, 2020		30-59 Days Past Due				60-89 Days Past Due				90 Days Or More Past Due				Total Past Due				Loans Not Past Due				Total
Residential real estate		$	2,845			$	496			$	1,663			$	5,004			$	300,474			$	305,478
Commercial real estate:
Owner-occupied			470				1,003				193				1,666				50,197				51,863
Nonowner-occupied			94				—				362				456				164,067				164,523
Construction			—				82				—				82				36,981				37,063
Commercial and industrial			1,112				11				164				1,287				156,405				157,692
Consumer:
Automobile			831				131				258				1,220				54,021				55,241
Home equity			204				81				113				398				19,595				19,993
Other			446				76				172				694				56,117				56,811
Total		$	6,002			$	1,880			$	2,925			$	10,807			$	837,857			$	848,664

Troubled Debt Restructuring Loan Modifications

The following table presents the types of TDR loan modifications by class of loans as of December 31, 2021 and December 31, 2020:

		TDRs Performing to Modified Terms				TDRs Not Performing to Modified Terms				Total TDRs
December 31, 2021
Commercial real estate:
Owner-occupied
Reduction of principal and interest payments		$	1,455			$	—			$	1,455
Maturity extension at lower stated rate than market rate			268				—				268
Credit extension at lower stated rate than market rate			375				—				375
Nonowner-occupied
Credit extension at lower stated rate than market rate			385				—				385
Commercial and industrial
Interest only payments			2,301				—				2,301
Total TDRs		$	4,784			$	—			$	4,784

		TDRs Performing to Modified Terms				TDRs Not Performing to Modified Terms				Total TDRs
December 31, 2020
Residential real estate:
Interest only payments		$	202			$	—			$	202
Commercial real estate:
Owner-occupied
Reduction of principal and interest payments			1,486				—				1,486
Maturity extension at lower stated rate than market rate			351				—				351
Credit extension at lower stated rate than market rate			384				—				384
Nonowner-occupied
Credit extension at lower stated rate than market rate			390				—				390
Commercial and industrial
Interest only payments			4,400				—				4,400
Total TDRs		$	7,213			$	—			$	7,213

Financing Receivable Credit Quality Indicators

As of December 31, 2021 and December 31, 2020, and based on the most recent analysis performed, the risk category of commercial loans by class of loans is as follows:

December 31, 2021		Pass				Criticized				Classified				Total
Commercial real estate:
Owner-occupied		$	66,999			$	618			$	4,362			$	71,979
Nonowner-occupied			175,901				—				199				176,100
Construction			33,685				—				33				33,718
Commercial and industrial			134,983				1,862				4,680				141,525
Total		$	411,568			$	2,480			$	9,274			$	423,322

December 31, 2020		Pass				Criticized				Classified				Total
Commercial real estate:
Owner-occupied		$	46,604			$	669			$	4,590			$	51,863
Nonowner-occupied			160,324				3,629				570				164,523
Construction			37,063				—				—				37,063
Commercial and industrial			150,786				2,064				4,842				157,692
Total		$	394,777			$	6,362			$	10,002			$	411,141

Recorded Investment of Residential and Consumer Loans

For residential and consumer loan classes, the Company evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity.  The following table presents the recorded investment of residential and consumer loans by class of loans based on payment activity as of December 31, 2021 and December 31, 2020:

		Consumer
December 31, 2021		Automobile				Home Equity				Other				Residential Real Estate				Total
Performing		$	48,004			$	22,227			$	62,686			$	271,732			$	404,649
Nonperforming			202				148				177				2,693				3,220
Total		$	48,206			$	22,375			$	62,863			$	274,425			$	407,869

		Consumer
December 31, 2020		Automobile				Home Equity				Other				Residential Real Estate				Total
Performing		$	54,966			$	19,783			$	56,639			$	300,095			$	431,483
Nonperforming			275				210				172				5,383				6,040
Total		$	55,241			$	19,993			$	56,811			$	305,478			$	437,523

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