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Loans And Leases (Tables)

3 Months Ended

Mar. 31, 2018

Loans And Leases [Abstract]

Recorded Investment In Loans By Portfolio Segment




	March 31, 2018			December 31, 2017
	( unaudited)
Commercial (1)	$	100,732		$	101,975
Real estate:
Single-family residential		99,409			95,578
Multi-family residential		40,018			35,665
Commercial		117,614			111,866
Construction		39,862			42,862
Consumer:
Home equity lines of credit		26,019			25,054
Other		5,817			376
Subtotal		429,471			413,376
Less: ALLL		(6,976)			(6,970)
Loans and leases, net	$	422,495		$	406,406



(1) Includes $5,859 and $6,008 of commercial leases at March 31, 2018 and December 31, 2017, respectively.



Activity In ALLL By Portfolio Segment



	Three months ended March 31, 2018 (unaudited)
				Real Estate												Consumer
	Commercial			Single-family			Multi-family			Commercial			Construction			Home Equity lines of credit			Other			Total
Beginning balance	$	1,984		$	912		$	660		$	2,143		$	672		$	597		$	2		$	6,970
Addition to (reduction in) provision for loan losses		(117)			131			27			(4)			(58)			(84)			105			-
Charge-offs		-			(6)			-			-			-			-			-			(6)
Recoveries		2			2			-			-			-			8			-			12
Ending balance	$	1,869		$	1,039		$	687		$	2,139		$	614		$	521		$	107		$	6,976







The following table presents the activity in the ALLL by portfolio segment for the three months ended March 31, 2017:  



	Three months ended March 31, 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		121			115			(87)			(236)			74			17			(4)			-
Charge-offs		-			-			-			-			-			-			-			-
Recoveries		-			16			-			-			-			1			-			17
Ending balance	$	1,768		$	866		$	629		$	2,491		$	654		$	504		$	30		$	6,942





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 March 31, 2018 (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		$	-		$	-		$	-		$	27		$	-		$	-		$	-		$	27
Collectively evaluated for impairment			1,869			1,039			687			2,112			614			521			107			6,949
Total ending allowance balance		$	1,869		$	1,039		$	687		$	2,139		$	614		$	521		$	107		$	6,976

Loans:
Individually evaluated for impairment		$	211		$	115		$	-		$	3,162		$	-		$	-		$	-		$	3,488
Collectively evaluated for impairment			100,521			99,294			40,018			114,452			39,862			26,019			5,817			425,983
Total ending loan balance		$	100,732		$	99,409		$	40,018		$	117,614		$	39,862		$	26,019		$	5,817		$	429,471







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, 2017: 



					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		$	-		$	-		$	-		$	26		$	-		$	-		$	-		$	26
Collectively evaluated for impairment			1,984			912			660			2,117			672			597			2			6,944
Total ending allowance balance		$	1,984		$	912		$	660		$	2,143		$	672		$	597		$	2		$	6,970

Loans:
Individually evaluated for impairment		$	277		$	116		$	-		$	3,183		$	-		$	-		$	-		$	3,576
Collectively evaluated for impairment			101,698			95,462			35,665			108,683			42,862			25,054			376			409,800
Total ending loan balance		$	101,975		$	95,578		$	35,665		$	111,866		$	42,862		$	25,054		$	376		$	413,376





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 March 31, 2018.  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 months ended March 31, 2018.  Cash payments of interest on these loans during the three months ended March 31, 2018 totaled $50.


										Three months ended
	As of March 31, 2018									March 31, 2018
	(unaudited)									(unaudited)
	Unpaid Principal Balance			Recorded Investment			ALLL Allocated			Average Recorded Investment			Interest Income Recognized
With no related allowance recorded:
Real estate:
Commercial:
Owner occupied	$	388		$	134		$	-		$	135		$	5
Total with no allowance recorded		388			134			-			135			5

With an allowance recorded:
Commercial (1)		211			211			-			227			2
Real estate:
Single-family residential (1)		115			115			-			115			1
Commercial:
Non-owner occupied		2,841			2,841			26			2,847			39
Owner occupied		187			187			1			187			2
Total with an allowance recorded		3,354			3,354			27			3,376			44
Total	$	3,742		$	3,488		$	27		$	3,511		$	49

(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 December 31, 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 months ended March 31, 2017.  Cash payments of interest during the three months ended March 31, 2017 totaled $56.


										Three months ended
	As of December 31, 2017									March 31, 2017
										(unaudited)
	Unpaid Principal Balance			Recorded Investment			ALLL Allocated			Average Recorded Investment			Interest Income Recognized
With no related allowance recorded:
Commercial	$			$			$			$	293		$	2
Real estate:
Commercial:
Owner occupied		391			137			-			394			12
Total with no allowance recorded		391			137			-			687			14

With an allowance recorded:
Commercial		277			277			-			188			1
Real estate:
Single-family residential (1)		116			116			-			120			2
Multi-family residential		-			-			-			36			1
Commercial:
Non-owner occupied		2,856			2,856			24			2,173			32
Owner occupied		190			190			2			1,025			2
Total with an allowance recorded		3,439			3,439			26			3,542			38
Total	$	3,830		$	3,576		$	26		$	4,229		$	52

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

Recorded Investment In Nonperforming Loans By Class Of Loans




	March 31, 2018			December 31, 2017
	(unaudited)
Loans past due over 90 days still on accrual	$	-		$	-
Nonaccrual loans:
Commercial		111			115
Real estate:
Single-family residential		193			253
Consumer:
Home equity lines of credit:
Purchased for portfolio		96			102
Total nonaccrual		400			470
Total nonaccrual and nonperforming loans	$	400		$	470



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 March 31, 2018 (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	$	-		$	-		$	-		$	-		$	100,732		$	111
Real estate:
Single-family residential		1,569			122			42			1,733			97,676			151
Multi-family residential		-			-			-			-			40,018			-
Commercial:
Non-owner occupied		-			-			-			-			72,876			-
Owner occupied		-			-			-			-			39,607			-
Land		-			-			-			-			5,131			-
Construction		-			-			-			-			39,862			-
Consumer:
Home equity lines of credit:
Originated for portfolio		-			-			-			-			25,568			-
Purchased for portfolio		-			-			-			-			451			96
Other		-			-			-			-			5,817			-
Total	$	1,569		$	122		$	42		$	1,733		$	427,738		$	358





The following table presents the aging of the recorded investment in past due loans and leases by class of loans as of December 31, 2017:  



	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	$	-		$	-		$	-		$	-		$	101,975		$	115
Real estate:
Single-family residential		1,610			27			104			1,741			93,837			149
Multi-family residential		-			-			-			-			35,665			-
Commercial:
Non-owner occupied		-			-			-			-			67,792			-
Owner occupied		-			-			-			-			38,787			-
Land		-			-			-			-			5,287			-
Construction		-			-			-			-			42,862			-
Consumer:
Home equity lines of credit:
Originated for portfolio		-			-			-			-			24,592			-
Purchased for portfolio		-			-			102			102			360			-
Other		24			-			-			24			352			-
Total	$	1,634		$	27		$	206		$	1,867		$	411,509		$	264



Loans Modified As TDRs By Class Of Loans




	March 31, 2018			December 31, 2017
	(unaudited)
Commercial	$	111		$	115
Total	$	111		$	115



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 March 31, 2018 and based on the most recent analysis performed follows.  There were no loans or leases rated doubtful at March 31, 2018.  




(unaudited)	Not Rated			Pass			Special Mention			Substandard			Total
Commercial	$	-		$	97,810		$	2,711		$	211		$	100,732
Real estate:
    Single-family residential		99,210			-			-			199			99,409
    Multi-family residential		-			39,401			456			161			40,018
    Commercial:
        Non-owner occupied		81			67,582			4,385			828			72,876
        Owner occupied		-			38,295			992			320			39,607
        Land		-			5,131			-			-			5,131
    Construction		2,335			37,527			-			-			39,862
Consumer:
    Home equity lines of credit:
        Originated for portfolio		25,494			-			-			74			25,568
        Purchased for portfolio		355			-			-			96			451
    Other		5,817			-			-			-			5,817
	$	133,292		$	285,746		$	8,544		$	1,889		$	429,471





The recorded investment in loans and leases by risk category and by class of loans and leases as of December 31, 2017 follows.  There were no loans or leases rated doubtful at December 31, 2017. 



	Not Rated			Pass			Special Mention			Substandard			Total
Commercial	$	-		$	98,829		$	2,869		$	277		$	101,975
Real estate:
    Single-family residential		95,317			-			-			261			95,578
    Multi-family residential		-			35,036			466			163			35,665
    Commercial:
        Non-owner occupied		88			65,161			1,711			832			67,792
        Owner occupied		-			37,453			1,008			326			38,787
        Land		-			5,287			-			-			5,287
    Construction		2,239			40,623			-			-			42,862
Consumer:
    Home equity lines of credit:
        Originated for portfolio		24,516			-			-			76			24,592
        Purchased for portfolio		360			-			-			102			462
    Other		376			-			-			-			376
	$	122,896		$	282,389		$	6,054		$	2,037		$	413,376



Components Of Net Investment In Direct Financing Leases






	March 31, 2018			December 31, 2017
	(unaudited)
Total minimum lease payments to be received	$	6,640		$	6,838
Less: unearned income		(781)			(830)
Net investment in direct financing leases	$	5,859		$	6,008



(1) There were no initial direct costs associated with these leases.

Summary Of Future Minimum Lease Payments Receivable


2018		$	595
2019			793
2020			793
2021			793
2022			793
Thereafter			2,873
		$	6,640



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