Loans And Leases (Tables)

9 Months Ended

Sep. 30, 2017

Recorded Investment In Loans By Portfolio Segment




	September 30, 2017		December 31, 2016
	( unaudited)
Commercial (1)	$	91,410	$	71,334
Real estate:
Single-family residential		93,025		92,544
Multi-family residential		38,713		34,291
Commercial		107,705		105,313
Construction		38,744		25,822
Consumer:
Home equity lines of credit		24,751		23,109
Other		365		637
Subtotal		394,713		353,050
Less: ALLL		(6,964)		(6,925)
Loans and leases, net	$	387,749	$	346,125

(1)

Includes $6,156 and $2,874 of commercial leases at September 30, 2017 and December 31, 2016, respectively.

Activity In ALLL By Portfolio Segment



	Three months ended September 30, 2017 (unaudited)
			Real Estate								Consumer
	Commercial		Single-family		Multi-family		Commercial		Construction		Home Equity lines of credit		Other		Total
Beginning balance	$	1,770	$	956	$	725	$	2,365	$	586	$	554	$	2	$	6,958
Addition to (reduction in) provision for loan losses		113		(20)		72		(246)		52		29		-		-
Charge-offs		-		-		-		-		-		-		-		-
Recoveries		-		1		-		-		-		5		-		6
Ending balance	$	1,883	$	937	$	797	$	2,119	$	638	$	588	$	2	$	6,964



	Nine months ended September 30, 2017 (unaudited)
			Real Estate								Consumer
	Commercial		Single-family		Multi-family		Commercial		Construction		Home Equity lines of credit		Other		Total
Beginning balance	$	1,647	$	735	$	716	$	2,727	$	580	$	486	$	34	$	6,925
Addition to (reduction in) provision for loan losses		234		184		81		(608)		58		83		(32)		-
Charge-offs		-		-		-		-		-		-		-		-
Recoveries		2		18		-		-		-		19		-		39
Ending balance	$	1,883	$	937	$	797	$	2,119	$	638	$	588	$	2	$	6,964

The following table presents the activity in the ALLL by portfolio segment for the three and nine months ended September 30, 2016:



	Three months ended September 30, 2016 (unaudited)
			Real Estate								Consumer
	Commercial		Single-family		Multi-family		Commercial		Construction		Home Equity lines of credit		Other		Total
Beginning balance	$	1,458	$	875	$	694	$	2,567	$	478	$	534	$	7	$	6,613
Addition to (reduction in) provision for loan losses		252		(54)		(122)		(52)		25		(62)		33		20
Charge-offs		(5)		-		-		-		-		-		(1)		(6)
Recoveries		-		3		143		100		-		20		-		266
Ending balance	$	1,705	$	824	$	715	$	2,615	$	503	$	492	$	39	$	6,893



	Nine months ended September 30, 2016 (unaudited)
			Real Estate								Consumer
	Commercial		Single-family		Multi-family		Commercial		Construction		Home Equity lines of credit		Other		Total
Beginning balance	$	1,380	$	691	$	705	$	2,710	$	561	$	474	$	99	$	6,620
Addition to (reduction in) provision for loan losses		448		223		(133)		(195)		(58)		4		(59)		230
Charge-offs		(123)		(94)		-		-		-		(53)		(1)		(271)
Recoveries		-		4		143		100		-		67		-		314
Ending balance	$	1,705	$	824	$	715	$	2,615	$	503	$	492	$	39	$	6,893

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 and leases by portfolio segment and based on the impairment method as of September 30, 2017 (unaudited):



			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	$	-	$	-	$	-	$	31	$	-	$	-	$	-	$	31
Collectively evaluated for impairment		1,883		937		797		2,088		638		588		2		6,933
Total ending allowance balance	$	1,883	$	937	$	797	$	2,119	$	638	$	588	$	2	$	6,964

Loans:
Individually evaluated for impairment	$	336	$	117	$	31	$	4,091	$	-	$	-	$	-	$	4,575
Collectively evaluated for impairment		91,074		92,908		38,682		103,614		38,744		24,751		365		390,138
Total ending loan balance	$	91,410	$	93,025	$	38,713	$	107,705	$	38,744	$	24,751	$	365	$	394,713

The following table presents the balance in the ALLL and the recorded investment in loans and leases by portfolio segment and based on the impairment method as of December 31, 2016:



			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	$	1	$	-	$	-	$	21	$	-	$	-	$	-	$	22
Collectively evaluated for impairment		1,646		735		716		2,706		580		486		34		6,903
Total ending allowance balance	$	1,647	$	735	$	716	$	2,727	$	580	$	486	$	34	$	6,925

Loans:
Individually evaluated for impairment	$	557	$	122	$	37	$	2,732	$	-	$	-	$	-	$	3,448
Collectively evaluated for impairment		70,777		92,422		34,254		102,581		25,822		23,109		637		349,602
Total ending loan balance	$	71,334	$	92,544	$	34,291	$	105,313	$	25,822	$	23,109	$	637	$	353,050

Individually Evaluated For Impairment By Class Of Loans

The following table presents loans individually evaluated for impairment by class of loans as of and for the period ended September 30, 2017. 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, and deferred loan fees and costs. The table presents accrual basis interest income recognized during the three and nine months ended September 30, 2017. Cash payments of interest on these loans during the three and nine months ended September 30, 2017 totaled $52 and $164, respectively.


							Three months ended				Nine months ended
	As of September 30, 2017						September 30, 2017				September 30, 2017
	(unaudited)						(unaudited)				(unaudited)
	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	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Real estate:
Single-family residential		-		-		-		-		-		-		-
Multi-family residential		-		-		-		-		-		-		-
Commercial:
Non-owner occupied		-		-		-		-		-		-		-
Owner occupied		394		139		-		140		6		144		20
Total with no allowance recorded		394		139		-		140		6		144		20

With an allowance recorded:
Commercial (1)		336		336		-		339		2		346		7
Real estate:
Single-family residential (1)		117		117		-		118		2		119		5
Multi-family residential (1)		31		31		-		32		1		34		2
Commercial:
Non-owner occupied		2,982		2,982		23		2,989		42		3,001		120
Owner occupied		970		970		8		972		5		1,098		14
Total with an allowance recorded		4,436		4,436		31		4,450		52		4,598		148
Total	$	4,830	$	4,575	$	31	$	4,590	$	58	$	4,742	$	168

(1)

Allowance recorded is less than $1 resulting in rounding to zero.

The following table presents loans individually evaluated for impairment by class of loans as of and for the period ended December 31, 2016. 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, and deferred loan fees and costs. The table presents accrual basis interest income recognized during the three and nine months ended September 30, 2016. Cash payments of interest during the three and nine months ended September 30, 2016 totaled $60 and $174, respectively.


							Three months ended				Nine months ended
	As of December 31, 2016						September 30, 2016				September 30, 2016
							(unaudited)				(unaudited)
	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	$	476	$	358	$	-	$	457	$	4	$	455	$	9
Real estate:
Single-family residential		-		-		-		161		-		161		-
Multi-family residential		37		37		-		-		-		-		-
Commercial:
Non-owner occupied		112		112		-		-		-		-		-
Owner occupied		871		350		-		358		13		363		35
Land		-		-		-		-		-		-		-
Total with no allowance recorded		1,496		857		-		976		17		979		44

With an allowance recorded:
Commercial		199		199		1		222		1		241		3
Real estate:
Single-family residential (1)		122		122		-		124		2		126		6
Multi-family residential		-		-		-		40		1		42		2
Commercial:
Non-owner occupied		2,068		2,068		19		2,196		33		2,206		101
Owner occupied		202		202		2		206		2		209		7
Land		-		-		-		222		4		232		11
Total with an allowance recorded		2,591		2,591		22		3,010		43		3,056		130
Total	$	4,087	$	3,448	$	22	$	3,986	$	60	$	4,035	$	174

(1)

Allowance recorded is less than $1 resulting in rounding to zero.

Recorded Investment In Nonperforming Loans By Class Of Loans




	September 30, 2017		December 31, 2016
	(unaudited)
Loans past due over 90 days still on accrual	$	-	$	-
Nonaccrual loans:
Commercial		119		263
Real estate:
Single-family residential		269		397
Commercial:
Owner occupied		585		-
Consumer:
Home equity lines of credit:
Originated for portfolio		-		44
Purchased for portfolio		65		-
Total nonaccrual		1,038		704
Total nonaccrual and nonperforming loans	$	1,038	$	704

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 and leases by class of loans as of September 30, 2017 (unaudited):


	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	$	2,433	$	-	$	-	$	2,433	$	88,977	$	119
Real estate:
Single-family residential		477		111		59		647		92,378		210
Multi-family residential		-		-		-		-		38,713		-
Commercial:
Non-owner occupied		-		-		-		-		68,090		-
Owner occupied		-		-		585		585		35,524		-
Land		-		-		-		-		3,506		-
Construction		260		-		-		260		38,484		-
Consumer:
Home equity lines of credit:
Originated for portfolio		-		15		-		15		24,267		-
Purchased for portfolio		-		37		65		102		367		-
Other		-		-		-		-		365		-
Total	$	3,170	$	163	$	709	$	4,042	$	390,671	$	329

The following table presents the aging of the recorded investment in past due loans and leases by class of loans as of December 31, 2016:



	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	$	-	$	-	$	119	$	119	$	71,215	$	144
Real estate:
Single-family residential		284		49		106		439		92,105		291
Multi-family residential		-		-		-		-		34,291		-
Commercial:
Non-owner occupied		-		-		-		-		60,936		-
Owner occupied		269		600		-		869		34,891		-
Land		-		-		-		-		8,617		-
Construction		48		-		-		48		25,774		-
Consumer:
Home equity lines of credit:
Originated for portfolio		-		15		-		15		22,440		44
Purchased for portfolio		69		-		-		69		585		-
Other		-		-		-		-		637		-
Total	$	670	$	664	$	225	$	1,559	$	351,491	$	479

Loans Modified As TDRs By Class Of Loans




	September 30, 2017		December 31, 2016
	(unaudited)
Commercial	$	119	$	144
Total	$	119	$	144

Recorded Investment In Loans By Risk Category And Class Of Loans

The recorded investment in loans and leases by risk category and by class of loans and leases as of September 30, 2017 and based on the most recent analysis performed follows. There were no loans or leases rated doubtful at September 30, 2017.


(unaudited)	Not Rated		Pass		Special Mention		Substandard		Total
Commercial	$	-	$	90,786	$	289	$	335	$	91,410
Real estate:
Single-family residential		92,746		-		-		279		93,025
Multi-family residential		-		38,072		476		165		38,713
Commercial:
Non-owner occupied		90		65,445		1,719		836		68,090
Owner occupied		-		34,177		1,015		917		36,109
Land		-		3,506		-		-		3,506
Construction		2,589		36,155		-		-		38,744
Consumer:
Home equity lines of credit:
Originated for portfolio		24,204		-		-		78		24,282
Purchased for portfolio		403		-		-		66		469
Other		365		-		-		-		365
	$	120,397	$	268,141	$	3,499	$	2,676	$	394,713

The recorded investment in loans and leases by risk category and by class of loans and leases as of December 31, 2016 follows. There were no loans or leases rated doubtful at December 31, 2016.



	Not Rated		Pass		Special Mention		Substandard		Total
Commercial	$	47	$	70,444	$	286	$	557	$	71,334
Real estate:
Single-family residential		92,130		-		-		414		92,544
Multi-family residential		-		33,615		505		171		34,291
Commercial:
Non-owner occupied		115		58,183		1,782		856		60,936
Owner occupied		-		33,493		1,048		1,219		35,760
Land		-		6,380		-		2,237		8,617
Construction		1,997		23,825		-		-		25,822
Consumer:
Home equity lines of credit:
Originated for portfolio		22,328		-		-		127		22,455
Purchased for portfolio		512		-		-		142		654
Other		637		-		-		-		637
	$	117,766	$	225,940	$	3,621	$	5,723	$	353,050