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Loans (Tables)

9 Months Ended

Sep. 30, 2015

Loans [Abstract]

Recorded investment in loans by portfolio segment

	September 30,			December 31,
	2015			2014
Commercial	$	43,527		$	46,532
Real estate:
Single-family residential		72,993			51,445
Multi-family residential		30,552			28,790
Commercial		89,950			91,119
Construction		25,573			23,641
Consumer:
Home equity lines of credit		21,097			16,898
Other		6,264			4,976
Subtotal		289,956			263,401
Less: ALLL		(6,522)			(6,316)
Loans, net	$	283,434		$	257,085

Activity in ALLL by portfolio segment

The following tables present the activity in the ALLL by portfolio segment for the three and nine months ended September 30, 2015:

	Three months ended September 30, 2015
				Real Estate												Consumer
	Commercial			Single-family			Multi-family			Commercial			Construction			Home Equity lines of credit			Other			Total
Beginning balance	$	1,394		$	658		$	754		$	2,372		$	722		$	470		$	110		$	6,480
Addition to (reduction in) provision for loan losses		(121)			6			(4)			276			(120)			17			(4)			50
Charge-offs		-			(9)			-			-			-			-			-			(9)
Recoveries		-			-			-			(3)			-			4			-			1
Ending balance	$	1,273		$	655		$	750		$	2,645		$	602		$	491		$	106		$	6,522

	Nine months ended September 30, 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		(90)			60			(68)			96			160			26			16			200
Charge-offs		(8)			(40)			-			(25)			-			-			(10)			(83)
Recoveries		25			1			-			33			-			24			6			89
Ending balance	$	1,273		$	655		$	750		$	2,645		$	602		$	491		$	106		$	6,522

The following tables present the activity in the ALLL by portfolio segment for the three and nine months ended September 30, 2014:

	Three months ended September 30, 2014
				Real Estate												Consumer
	Commercial			Single-family			Multi-family			Commercial			Construction			Home Equity lines of credit			Other			Total
Beginning balance	$	1,605		$	196		$	1,211		$	2,231		$	474		$	113		$	41		$	5,871
Addition to (reduction in) provision for loan losses		174			179			(147)			(88)			(103)			49			11			75
Charge-offs		(18)			-			-			-			-			-			-			(18)
Recoveries		-			1			-			320			-			7			-			328
Ending balance	$	1,761		$	376		$	1,064		$	2,463		$	371		$	169		$	52		$	6,256

	Nine months ended September 30, 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		17			254			(198)			(188)			252			21			45			203
Charge-offs		(18)			-			-			(2)			-			(9)			-			(29)
Recoveries		3			2			-			328			-			18			2			353
Ending balance	$	1,761		$	376		$	1,064		$	2,463		$	371		$	169		$	52		$	6,256

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 September 30, 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		$	5		$	1		$	-		$	14		$	-		$	-		$	-		$	20
Collectively evaluated for impairment			1,268			654			750			2,631			602			491			106			6,502
Total ending allowance balance		$	1,273		$	655		$	750		$	2,645		$	602		$	491		$	106		$	6,522
Loans:
Individually evaluated for impairment		$	488		$	291		$	1,601		$	3,483		$	-		$	-		$	-		$	5,863
Collectively evaluated for impairment			43,039			72,702			28,951			86,467			25,573			21,097			6,264			284,093
Total ending loan balance		$	43,527		$	72,993		$	30,552		$	89,950		$	25,573		$	21,097		$	6,264		$	289,956

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 September 30, 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 and nine months ended September 30, 2015.  Cash payments of interest on these loans during the three and nine months ended September 30, 2015 totaled $83 and $251, respectively.

										Three months ended						Nine months ended
	As of September 30, 2015									September 30, 2015						September 30, 2015
	Unpaid Principal Balance			Recorded Investment			ALLL Allocated			Average Recorded Investment			Interest Income Recognized			Average Recorded Investment			Interest Income Recognized
With no related allowance recorded:
Commercial	$	77		$	69		$	-		$	69		$	-		$	75		$	1
Real estate:
Single-family residential		323			162			-			163			-			167			-
Multi-family residential		1,554			1,554			-			1,557			24			1,565			71
Commercial:
Non-owner occupied		546			446			-			446			-			458			-
Owner occupied		692			171			-			173			10			176			29
Land		-			-			-			-			-			-			-
Total with no allowance recorded		3,192			2,402			-			2,408			34			2,441			101
With an allowance recorded:
Commercial		419			419			5			427			3			452			9
Real estate:
Single-family residential		129			129			1			130			1			131			5
Multi-family residential		47			47			-			47			1			49			2
Commercial:
Non-owner occupied		2,234			2,234			9			2,238			34			2,247			102
Owner occupied		368			368			1			369			5			373			16
Land		309			264			4			267			4			280			13
Total with an allowance recorded		3,506			3,461			20			3,478			48			3,532			147
Total	$	6,698		$	5,863		$	20		$	5,886		$	82		$	5,973		$	248

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 and nine months ended September 30, 2014.  Cash payments of interest during the three and nine months ended September 30, 2014 totaled $52 and $157, respectively.

										Three months ended						Nine months ended
	As of December 31, 2014									September 30, 2014						September 30, 2014
	Unpaid Principal Balance			Recorded Investment			ALLL Allocated			Average Recorded Investment			Interest Income Recognized			Average Recorded Investment			Interest Income Recognized
With no related allowance recorded:
Commercial	$	135		$	121		$	-		$	121		$	-		$	121		$	-
Real estate:
Single-family residential		334			173			-			178			-			181			-
Multi-family residential		1,579			1,579			-			-			-			-			-
Commercial:
Non-owner occupied		577			477			-			495			-			508			-
Owner occupied		704			183			-			201			-			215			-
Land		-			-			-			152			2			-			7
Total with no allowance recorded		3,329			2,533			-			1,147			2			1,025			7
With an allowance recorded:
Commercial		509			509			29			750			6			783			17
Real estate:
Single-family residential		123			123			-			125			2			125			5
Multi-family residential		52			52			1			1,670			-			1,703			3
Commercial:
Non-owner occupied		2,352			2,352			17			2,092			33			2,107			100
Owner occupied		380			380			2			386			6			390			16
Land		348			303			15			300			3			593			8
Total with an allowance recorded		3,764			3,719			64			5,323			50			5,701			149
Total	$	7,093		$	6,252		$	64		$	6,470		$	52		$	6,726		$	156

Recorded investment in nonaccrual loans by class of loans

	September 30, 2015			December 31, 2014
Loans past due over 90 days still on accrual	$	-		$	-
Nonaccrual loans:
Commercial		277			369
Real estate:
Single-family residential		652			549
Multi-family residential		-			-
Commercial:
Non-owner occupied		446			477
Owner occupied		-			-
Land		-			-
Consumer:
Home equity lines of credit:
Originated for portfolio		21			51
Purchased for portfolio		96			102
Other consumer		-			-
Total nonaccrual		1,492			1,548
Total nonaccrual and nonperforming loans	$	1,492		$	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 September 30, 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	$	176		$	-		$	69		$	245		$	43,282		$	208
Real estate:
Single-family residential		498			75			149			722			72,271			503
Multi-family residential		-			-			-			-			30,552			-
Commercial:
Non-owner occupied		807			-			-			807			50,190			446
Owner occupied		-			-			-			-			32,117			-
Land		358			-			-			358			6,478			-
Construction		-			-			-			-			25,573			-
Consumer:
Home equity lines of credit:
Originated for portfolio		400			41			-			441			19,435			21
Purchased for portfolio		-			-			-			-			1,221			96
Other		-			-			-			-			6,264			-
Total	$	2,239		$	116		$	218		$	2,573		$	287,383		$	1,274

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

	September 30, 2015			December 31, 2014
Commercial	$	208		$	249
Real estate:
Single-family residential		162			173
Multi-family residential		-			-
Commercial:
Non-owner occupied		-			-
Owner occupied		-			-
Total	$	370		$	422

Financing Receivable Credit Quality Indicators

The recorded investment in loans by risk category and by class of loans as of September 30, 2015 and based on the most recent analysis performed follows.  There were no loans rated doubtful at September 30, 2015.

	Not Rated			Pass			Special Mention			Substandard			Total
Commercial	$	90		$	41,041		$	2,042		$	354		$	43,527
Real estate:
Single-family residential		72,311			-			-			682			72,993
Multi-family residential		-			29,837			-			715			30,552
Commercial:
Non-owner occupied		127			46,768			-			4,102			50,997
Owner occupied		-			29,938			1,132			1,047			32,117
Land		76			4,140			-			2,620			6,836
Construction		11,065			14,508			-			-			25,573
Consumer:
Home equity lines of credit:
Originated for portfolio		19,761			-			-			115			19,876
Purchased for portfolio		672			-			298			251			1,221
Other		2,428			3,836			-			-			6,264
	$	106,530		$	170,068		$	3,472		$	9,886		$	289,956

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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