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Loans And Leases (Tables)

6 Months Ended

Jun. 30, 2019

Loans And Leases [Abstract]

Recorded Investment In Loans By Portfolio Segment




	June 30, 2019			December 31, 2018
	(unaudited)
Commercial (1)	$	146,450		$	126,887
Real estate:
Single-family residential		131,517			118,386
Multi-family residential		47,612			47,651
Commercial		190,575			173,435
Construction		62,359			61,792
Consumer:
Home equity lines of credit		22,232			23,961
Other		4,979			5,583
Subtotal		605,724			557,695
Less: ALLL		(7,029)			(7,012)
Loans and leases, net	$	598,695		$	550,683



⁽¹⁾ Includes $5,094 and $5,403 of commercial leases at June 30, 2019 and December 31, 2018, respectively.



Activity In ALLL By Portfolio Segment

The following tables present the activity in the ALLL by portfolio segment for the three and six months ended June 30, 2019:



	Three months ended June 30, 2019 (unaudited)
				Real Estate												Consumer
	Commercial			Single-family			Multi-family			Commercial			Construction			Home Equity lines of credit			Other			Total
Beginning balance	$	1,819		$	1,063		$	622		$	2,299		$	759		$	375		$	87		$	7,024
Addition to (reduction in) provision for loan losses		150			(50)			(60)			40			-			(70)			(10)			-
Charge-offs		-			-			-			-			-			-			-			-
Recoveries		-			1			-			-			-			4			-			5
Ending balance	$	1,969		$	1,014		$	562		$	2,339		$	759		$	309		$	77		$	7,029











	Six months ended June, 2019 (unaudited)
				Real Estate												Consumer
	Commercial			Single-family			Multi-family			Commercial			Construction			Home Equity lines of credit			Other			Total
Beginning balance	$	1,819		$	1,061		$	612		$	2,274		$	739		$	410		$	97		$	7,012
Addition to (reduction in) provision for loan losses		150			(50)			(50)			65			20			(115)			(20)			-
Charge-offs		-			-			-			-			-			-			-			-
Recoveries		-			3			-			-			-			14			-			17
Ending balance	$	1,969		$	1,014		$	562		$	2,339		$	759		$	309		$	77		$	7,029





The following tables present the activity in the ALLL by portfolio segment for the three and six months ended June 30, 2018:



	Three months ended June 30, 2018 (unaudited)
				Real Estate												Consumer
	Commercial			Single-family			Multi-family			Commercial			Construction			Home Equity lines of credit			Other			Total
Beginning balance	$	1,869		$	1,039		$	687		$	2,139		$	614		$	521		$	107		$	6,976
Addition to (reduction in) provision for loan losses		20			-			10			10			-			(40)			-			-
Charge-offs		-			-			-			-			-			-			-			-
Recoveries		-			-			-			-			-			5			-			5
Ending balance	$	1,889		$	1,039		$	697		$	2,149		$	614		$	486		$	107		$	6,981











	Six months ended June, 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		(97)			131			37			6			(58)			(124)			105			-
Charge-offs		-			(6)			-			-			-			-			-			(6)
Recoveries		2			2			-			-			-			13			-			17
Ending balance	$	1,889		$	1,039		$	697		$	2,149		$	614		$	486		$	107		$	6,981



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 June 30, 2019 (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		$	-		$	-		$	-		$	33		$	-		$	-		$	-		$	33
Collectively evaluated for impairment			1,969			1,014			562			2,306			759			309			77			6,996
Total ending allowance balance		$	1,969		$	1,014		$	562		$	2,339		$	759		$	309		$	77		$	7,029

Loans:
Individually evaluated for impairment		$	93		$	108		$	-		$	4,599		$	-		$	-		$	-		$	4,800
Collectively evaluated for impairment			146,357			131,409			47,612			185,976			62,359			22,232			4,979			600,924
Total ending loan balance		$	146,450		$	131,517		$	47,612		$	190,575		$	62,359		$	22,232		$	4,979		$	605,724



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, 2018: 



					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		$	-		$	-		$	-		$	22		$	-		$	-		$	-		$	22
Collectively evaluated for impairment			1,819			1,061			612			2,252			739			410			97			6,990
Total ending allowance balance		$	1,819		$	1,061		$	612		$	2,274		$	739		$	410		$	97		$	7,012

Loans:
Individually evaluated for impairment		$	100		$	110		$	-		$	2,951		$	-		$	-		$	-		$	3,161
Collectively evaluated for impairment			126,787			118,276			47,651			170,484			61,792			23,961			5,583			554,534
Total ending loan balance		$	126,887		$	118,386		$	47,651		$	173,435		$	61,792		$	23,961		$	5,583		$	557,695



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 June 30, 2019.  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 six months ended June 30, 2019.  Cash payments of interest on these loans during the three and six months ended June 30, 2019 totaled $43 and $88, respectively.


										Three months ended						Six months ended
	As of June 30, 2019									June 30, 2019						June 30, 2019
	(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	$	93		$	93		$	-		$	94		$	-		$	96		$	-
Real estate:
Single-family residential		108			108			-			109			2			109			3
Commercial:
Owner occupied	$	226		$	122		$	-		$	121		$	1			122			7
Total with no allowance recorded		427			323			-			324			3			327			10

With an allowance recorded:
Real estate:
Commercial:
Non-owner occupied		4,477			4,477			33			4,483			39			3,932			76
Total with an allowance recorded		4,477			4,477			33			4,483			39			3,932			76
Total	$	4,904		$	4,800		$	33		$	4,807		$	42		$	4,259		$	86





The following table presents loans individually evaluated for impairment by class of loans as of December 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 and six months ended June 30, 2018.  Cash payments of interest during the three and six months ended June 30, 2018 totaled $48 and $99, respectively.


										Three months ended						Six months ended
	As of December 31, 2018									June 30, 2018						June 30, 2018
										(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:
Commercial:
Owner occupied		379			125			-			132			5			133			10
Total with no allowance recorded		379			125			-			132			5			133			10

With an allowance recorded:
Commercial (1)		100			100			-			208			1			218			3
Real estate:
Single-family residential (1)		110			110			-			114			2			115			3
Commercial:
Non-owner occupied		2,826			2,826			22			2,844			39			2,845			78
Owner occupied		-			-			-			186			2			187			4
Total with an allowance recorded		3,036			3,036			22			3,352			44			3,365			88
Total	$	3,415		$	3,161		$	22		$	3,484		$	49		$	3,498		$	98

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

Recorded Investment In Nonperforming Loans By Class Of Loans




	June 30, 2019			December 31, 2018
	(unaudited)
Loans past due over 90 days still on accrual	$	-		$	-
Nonaccrual loans:
Commercial		93			100
Real estate:
Single-family residential		528			167
Commercial:
Non-owner occupied		1,689			-
Consumer:
Home equity lines of credit:
Originated for portfolio		15			-
Purchased for portfolio		84			89
Other consumer		9			21
Total nonaccrual		2,418			377
Total nonaccrual and nonperforming loans	$	2,418		$	377



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 June 30, 2019 (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	$	40		$	-		$	-		$	40		$	146,410		$	93
Real estate:
Single-family residential		74			371			22			467			131,050			506
Multi-family residential		-			-			-			-			47,612			-
Commercial:
Non-owner occupied		-			-			1,689			1,689			123,894			-
Owner occupied		-			-			-			-			45,558			-
Land		-			-			-			-			19,434			-
Construction		-			-			-			-			62,359			-
Consumer:
Home equity lines of credit:
Originated for portfolio		273			-			-			273			21,669			15
Purchased for portfolio		31			-			-			31			259			84
Other		-			-			9			9			4,970			-
Total	$	418		$	371		$	1,720		$	2,509		$	603,215		$	698



The following table presents the aging of the recorded investment in past due loans and leases by class of loans as of December 31, 2018:



	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	$	-		$	-		$	-		$	-		$	126,887		$	100
Real estate:
Single-family residential		597			-			23			620			117,766			144
Multi-family residential		-			-			-			-			47,651			-
Commercial:
Non-owner occupied		-			-			-			-			122,465			-
Owner occupied		-			-			-			-			43,087			-
Land		-			-			-			-			7,883			-
Construction		-			-			-			-			61,792			-
Consumer:
Home equity lines of credit:
Originated for portfolio		474			-			-			474			23,119			-
Purchased for portfolio		-			33			-			33			335			89
Other		-			-			21			21			5,562			-
Total	$	1,071		$	33		$	44		$	1,148		$	556,547		$	333



Loans Modified As TDRs By Class Of Loans




	June 30, 2019			December 31, 2018
	(unaudited)
Commercial	$	93		$	100
Total	$	93		$	100



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 June 30, 2019 and based on the most recent analysis performed follows.  There were no loans or leases rated doubtful at June 30, 2019.


(unaudited)	Not Rated			Pass			Special Mention			Substandard			Total
Commercial	$	-		$	140,266		$	5,468		$	716		$	146,450
Real estate:
    Single-family residential		130,989			-			-			528			131,517
    Multi-family residential		-			47,059			403			150			47,612
    Commercial:
        Non-owner occupied		71			121,035			-			4,477			125,583
        Owner occupied		-			43,260			2,176			122			45,558
        Land		-			19,434			-			-			19,434
    Construction		3,280			59,079			-			-			62,359
Consumer:
    Home equity lines of credit:
        Originated for portfolio		21,862			-			-			80			21,942
        Purchased for portfolio		206			-			-			84			290
    Other		4,970			-			-			9			4,979
	$	161,378		$	430,133		$	8,047		$	6,166		$	605,724



The recorded investment in loans and leases by risk category and by class of loans and leases as of December 31, 2018 follows.  There were no loans or leases rated doubtful at December 31, 2018. 



	Not Rated			Pass			Special Mention			Substandard			Total
Commercial	$	-		$	123,369		$	2,651		$	867		$	126,887
Real estate:
    Single-family residential		118,219			-			-			167			118,386
    Multi-family residential		-			47,072			425			154			47,651
    Commercial:
        Non-owner occupied		76			119,843			1,701			845			122,465
        Owner occupied		-			39,747			2,252			1,088			43,087
        Land		-			7,883			-			-			7,883
    Construction		3,279			58,513			-			-			61,792
Consumer:
    Home equity lines of credit:
        Originated for portfolio		23,525			-			-			68			23,593
        Purchased for portfolio		279			-			-			89			368
    Other		5,562			-			-			21			5,583
	$	150,940		$	396,427		$	7,029		$	3,299		$	557,695



Components Of Net Investment In Direct Financing Leases






	June 30, 2019			December 31, 2018
	(unaudited)
Total minimum lease payments to be received	$	5,649		$	6,045
Less: unearned income		(555)			(642)
Net investment in direct financing leases	$	5,094		$	5,403



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

Summary Of Future Minimum Lease Payments Receivable


2019		$	397
2020			793
2021			793
2022			793
2023			1,563
Thereafter			1,310
		$	5,649



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