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Loans (Tables)

3 Months Ended

Mar. 31, 2015

Loans [Abstract]

Recorded investment in loans by portfolio segment

	March 31,			December 31,
	2015			2014
Commercial	$	47,778		$	46,532
Real estate:
Single-family residential		57,537			51,445
Multi-family residential		28,437			28,790
Commercial		87,445			91,119
Construction		28,161			23,641
Consumer:
Home equity lines of credit		18,271			16,898
Other		5,072			4,976
Subtotal		272,701			263,401
Less: ALLL		(6,442)			(6,316)
Loans, net	$	266,259		$	257,085

Activity in ALLL by portfolio segment

The following table presents the activity in the ALLL by portfolio segment for the three months ended March 31, 2015:

	Three months ended March 31, 2015
				Real Estate												Consumer
	Commercial			Single-family			Multi-family			Commercial			Construction			Home Equity lines of credit			Other			Total
Beginning balance	$	1,346		$	634		$	818		$	2,541		$	442		$	441		$	94		$	6,316
Addition to (reduction in) provision for loan losses		88			65			(125)			(77)			99			23			2			75
Charge-offs		(8)			-			-			-			-			-			(10)			(18)
Recoveries		25			1			-			33			-			4			6			69
Ending balance	$	1,451		$	700		$	693		$	2,497		$	541		$	468		$	92		$	6,442

The following table presents the activity in the ALLL by portfolio segment for the three months ended March 31, 2014:

	Three months ended March 31, 2014
				Real Estate												Consumer
	Commercial			Single-family			Multi-family			Commercial			Construction			Home Equity lines of credit			Other			Total
Beginning balance	$	1,759		$	120		$	1,262		$	2,325		$	119		$	139		$	5		$	5,729
Addition to (reduction in) provision for loan losses		(175)			38			196			(265)			259			(35)			2			20
Charge-offs		-			-			-			-			-			-			-			-
Recoveries		3			1			-			4			-			5			1			14
Ending balance	$	1,587		$	159		$	1,458		$	2,064		$	378		$	109		$	8		$	5,763

Balance in ALLL and recorded investment in loans by portfolio segment and based on impairment method

The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on the impairment method as of March 31, 2015:

					Real Estate												Consumer
		Commercial			Single- family			Multi- family			Commercial			Construction			Home Equity lines of credit			Other			Total
ALLL:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	28		$	-		$	-		$	26		$	-		$	-		$	-		$	54
Collectively evaluated for impairment			1,423			700			693			2,471			541			468			92			6,388
Total ending allowance balance		$	1,451		$	700		$	693		$	2,497		$	541		$	468		$	92		$	6,442
Loans:
Individually evaluated for impairment		$	548		$	292		$	1,621		$	3,565		$	-		$	-		$	-		$	6,026
Collectively evaluated for impairment			47,230			57,245			26,816			83,880			28,161			18,271			5,072			266,675
Total ending loan balance		$	47,778		$	57,537		$	28,437		$	87,445		$	28,161		$	18,271		$	5,072		$	272,701

The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on the impairment method as of December 31, 2014: 

					Real Estate												Consumer
		Commercial			Single- family			Multi- family			Commercial			Construction			Home Equity lines of credit			Other			Total
ALLL:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	29		$	-		$	1		$	34		$	-		$	-		$	-		$	64
Collectively evaluated for impairment			1,317			634			817			2,507			442			441			94			6,252
Total ending allowance balance		$	1,346		$	634		$	818		$	2,541		$	442		$	441		$	94		$	6,316
Loans:
Individually evaluated for impairment			630		$	296		$	1,631		$	3,695		$	-		$	-		$	-		$	6,252
Collectively evaluated for impairment			45,902			51,149			27,159			87,424			23,641			16,898			4,976			257,149
Total ending loan balance		$	46,532		$	51,445		$	28,790		$	91,119		$	23,641		$	16,898		$	4,976		$	263,401

Individually evaluated for impairment by class of loans

The following table presents loans individually evaluated for impairment by class of loans at March 31, 2015.  The unpaid principal balance is the contractual principal balance outstanding.  The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, deferred loan fees and costs.  The table presents accrual basis interest income recognized during the three months ended March 31, 2015.  Cash payments of interest on these loans during the three months ended March 31, 2015 totaled $83.

										Three months ended
	As of March 31, 2015									March 31, 2015
	Unpaid Principal Balance			Recorded Investment			ALLL Allocated			Average Recorded Investment			Interest Income Recognized
With no related allowance recorded:
Commercial	$	76		$	68		$	-		$	69		$	1
Real estate:
Single-family residential		331			170			-			171			-
Multi-family residential		1,570			1,570			-			1,574			23
Commercial:
Non-owner occupied		564			463			-			468			-
Owner occupied		700			179			-			180			10
Land		-			-			-			-			-
Total with no allowance recorded		3,241			2,450			-			2,462			34
With an allowance recorded:
Commercial		480			480			28			490			3
Real estate:
Single-family residential		122			122			-			123			2
Multi-family residential		51			51			-			51			1
Commercial:
Non-owner occupied		2,253			2,253			9			2,256			33
Owner occupied		375			375			2			377			5
Land		339			295			15			297			5
Total with an allowance recorded		3,620			3,576			54			3,594			49
Total	$	6,861		$	6,026		$	54		$	6,056		$	83

The following table presents loans individually evaluated for impairment by class of loans at December 31, 2014.  The unpaid principal balance is the contractual principal balance outstanding.  The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, deferred loan fees and costs.  The table presents accrual basis interest income recognized during the three months ended March 31, 2014.  Cash payments of interest during the three months ended March 31, 2014 totaled $54.

										Three months ended
	As of December 31, 2014									March 31, 2014
	Unpaid Principal Balance			Recorded Investment			ALLL Allocated			Average Recorded Investment			Interest Income Recognized
With no related allowance recorded:
Commercial	$	135		$	121		$	-		$	121		$	-
Real estate:
Single-family residential		334			173			-			185			-
Multi-family residential		1,579			1,579			-			-			-
Commercial:
Non-owner occupied		577			477			-			1,444			-
Owner occupied		704			183			-			1,044			-
Land		-			-			-			-			-
Total with no allowance recorded		3,329			2,533			-			2,794			-
With an allowance recorded:
Commercial		509			509			29			817			6
Real estate:
Single-family residential		123			123			-			126			2
Multi-family residential		52			52			1			1,736			1
Commercial:
Non-owner occupied		2,352			2,352			17			2,122			33
Owner occupied		380			380			2			394			5
Land		348			303			15			733			5
Total with an allowance recorded		3,764			3,719			64			5,928			52
Total	$	7,093		$	6,252		$	64		$	8,722		$	52

Recorded investment in nonaccrual loans by class of loans

	March 31, 2015			December 31, 2014
Loans past due over 90 days still on accrual:
Real estate:
Commercial:
Non-owner occupied	$	366		$	-
Total over 90 days still on accrual loans	$	366		$	-
Nonaccrual loans:
Commercial		305			369
Real estate:
Single-family residential		723			549
Multi-family residential		-			-
Commercial:
Non-owner occupied		464			477
Owner occupied		-			-
Land		-			-
Consumer:
Home equity lines of credit:
Originated for portfolio		50			51
Purchased for portfolio		99			102
Other consumer		-			-
Total nonaccrual		1,641			1,548
Total nonaccrual and nonperforming loans	$	2,007		$	1,548

Aging of recorded investment in past due loans by class of loans

The following table presents the aging of the recorded investment in past due loans by class of loans as of March 31, 2015:

	30 - 59 Days Past Due			60 - 89 Days Past Due			Greater than 90 Days Past Due			Total Past Due			Loans Not Past Due			Nonaccrual Loans Not > 90 days Past Due
Commercial	$	16		$	793		$	-		$	809		$	46,969		$	305
Real estate:
Single-family residential		1,183			133			256			1,572			55,965			467
Multi-family residential		-			-			-			-			28,437			-
Commercial:
Non-owner occupied		-			-			366			366			48,973			464
Owner occupied		-			-			-			-			32,468			-
Land		-			-			-			-			5,638			-
Construction		-			-			-			-			28,161			-
Consumer:
Home equity lines of credit:
Originated for portfolio		43			-			-			43			16,852			50
Purchased for portfolio		-			-			-			-			1,376			99
Other		-			-			-			-			5,072			-
Total	$	1,242		$	926		$	622		$	2,790		$	269,911		$	1,385

The following table presents the aging of the recorded investment in past due loans by class of loans as of December 31, 2014:

	30 - 59 Days Past Due			60 - 89 Days Past Due			Greater than 90 Days Past Due			Total Past Due			Loans Not Past Due			Nonaccrual Loans Not > 90 days Past Due
Commercial	$	18		$	-		$	121		$	139		$	46,393		$	248
Real estate:
Single-family residential		521			55			68			644			50,801			481
Multi-family residential		-			-			-			-			28,790			-
Commercial:
Non-owner occupied		115			-			-			115			48,879			477
Owner occupied		-			-			-			-			35,900			-
Land		-			-			-			-			6,225			-
Construction		52			-			-			52			23,589			-
Consumer:
Home equity lines of credit:
Originated for portfolio		-			-			51			51			15,414			-
Purchased for portfolio		30			102			-			132			1,301			102
Other		5			10			-			15			4,961			-
Total	$	741		$	167		$	240		$	1,148		$	262,253		$	1,308

Loans Modified As TDRs By Class Of Loans

	March 31, 2015			December 31, 2014
Commercial	$	237		$	249
Real estate:
Single-family residential		169			173
Multi-family residential		-			-
Commercial:
Non-owner occupied		-			-
Owner occupied		-			-
Total	$	406		$	422

Financing Receivable Credit Quality Indicators

The recorded investment in loans by risk category and by class of loans as of March 31, 2015 and based on the most recent analysis performed follows.  There were no loans rated doubtful at March 31, 2015.

	Not Rated			Pass			Special Mention			Substandard			Total
Commercial	$	102		$	46,968		$	317		$	391		$	47,778
Real estate:
Single-family residential		56,786			-			-			751			57,537
Multi-family residential		-			27,706			-			731			28,437
Commercial:
Non-owner occupied		136			44,049			-			5,154			49,339
Owner occupied		-			29,910			1,484			1,074			32,468
Land		77			2,863			-			2,698			5,638
Construction		8,699			19,462			-			-			28,161
Consumer:
Home equity lines of credit:
Originated for portfolio		16,747			-			-			148			16,895
Purchased for portfolio		811			-			307			258			1,376
Other		5,072			-			-			-			5,072
	$	88,430		$	170,958		$	2,108		$	11,205		$	272,701

The recorded investment in loans by risk category and by class of loans as of December 31, 2014 follows.  There were no loans rated doubtful at December 31, 2014. 

	Not Rated			Pass			Special Mention			Substandard			Total
Commercial	$	1,088		$	44,543		$	441		$	460		$	46,532
Real estate:
Single-family residential		50,864			-			-			581			51,445
Multi-family residential		-			26,412			-			2,378			28,790
Commercial:
Non-owner occupied		139			43,547			89			5,219			48,994
Owner occupied		-			33,305			1,507			1,088			35,900
Land		78			3,417			-			2,730			6,225
Construction		8,645			14,996			-			-			23,641
Consumer:
Home equity lines of credit:
Originated for portfolio		15,316			-			-			149			15,465
Purchased for portfolio		857			-			313			263			1,433
Other		4,976			-			-			-			4,976
	$	81,963		$	166,220		$	2,350		$	12,868		$	263,401

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