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Loans and Allowance for Lease and Loan Losses (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2019
Receivables [Abstract] |
Schedule of summary loan portfolio |
|  | At December 31,
|  | 2019 |  | 2018
Commercial real estate loans: |  |  |  |  |  |
Construction |  | $ | 20,354 |  | $ | 12,870
Non-residential |  |  | 228,157 |  |  | 197,499
Multi-family |  |  | 20,129 |  |  | 12,661
Residential real estate loans |  |  | 43,726 |  |  | 43,534
Commercial and industrial loans |  |  | 90,554 |  |  | 83,203
Consumer loans: |  |  |  |  |  |
Indirect automobile |  |  | 360,569 |  |  | 297,144
Home equity |  |  | 16,276 |  |  | 19,269
Other consumer |  |  | 9,752 |  |  | 10,826
Total gross loans |  |  | 789,517 |  |  | 677,006
Net deferred loan costs |  |  | 9,908 |  |  | 8,042
Allowance for loan losses |  |  | (5,954) |  |  | (6,646)
Total net loans |  | $ | 793,471 |  | $ | 678,402
Schedule of loans by risk rating and portfolio segment |
|  | December 31, 2019
|  | Pass |  | Special Mention |  | Substandard |  | Total
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 20,354 |  | $ | — |  | $ | — |  | $ | 20,354
Non-residential |  |  | 219,485 |  |  | 4,285 |  |  | 4,387 |  |  | 228,157
Multifamily |  |  | 19,744 |  |  | — |  |  | 385 |  |  | 20,129
Residential real estate |  |  | 41,385 |  |  | — |  |  | 2,341 |  |  | 43,726
Commercial and industrial |  |  | 88,874 |  |  | 597 |  |  | 1,083 |  |  | 90,554
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Indirect automobile |  |  | 359,616 |  |  | — |  |  | 953 |  |  | 360,569
Home equity |  |  | 15,861 |  |  | — |  |  | 415 |  |  | 16,276
Other consumer |  |  | 9,741 |  |  | — |  |  | 11 |  |  | 9,752
Total |  | $ | 775,060 |  | $ | 4,882 |  | $ | 9,575 |  | $ | 789,517
|  | December 31, 2018
|  | Pass |  | Special Mention |  | Substandard |  | Total
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 12,870 |  | $ | — |  | $ | — |  | $ | 12,870
Non-residential |  |  | 186,020 |  |  | 6,840 |  |  | 4,639 |  |  | 197,499
Multifamily |  |  | 12,261 |  |  | — |  |  | 400 |  |  | 12,661
Residential real estate |  |  | 41,249 |  |  | — |  |  | 2,285 |  |  | 43,534
Commercial and industrial |  |  | 81,111 |  |  | 965 |  |  | 1,127 |  |  | 83,203
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Indirect automobile |  |  | 296,692 |  |  | — |  |  | 452 |  |  | 297,144
Home equity |  |  | 19,071 |  |  | — |  |  | 198 |  |  | 19,269
Other consumer |  |  | 10,816 |  |  | — |  |  | 10 |  |  | 10,826
Total |  | $ | 660,090 |  | $ | 7,805 |  | $ | 9,111 |  | $ | 677,006
Schedule of classes of the loan portfolio by the aging categories of performing loans and nonaccrual loans |
|  | December 31, 2019
|  |  |  |  |  |  |  | Greater Than |  |  |  |
|  |  |  | 30-59 Days |  | 60-89 Days |  | 90 Days Past |  | Total Loans |  |
|  | Current |  | Past Due |  | Past Due |  | Due |  | Receivable |  | Non-accrual
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 20,354 |  | $ | — |  | $ | — |  | $ | — |  | $ | 20,354 |  | $ | —
Non-residential |  |  | 222,953 |  |  | 409 |  |  | 884 |  |  | 3,911 |  |  | 228,157 |  |  | 3,911
Multifamily |  |  | 19,744 |  |  | — |  |  | — |  |  | 385 |  |  | 20,129 |  |  | 385
Residential real estate |  |  | 42,403 |  |  | 427 |  |  | 116 |  |  | 780 |  |  | 43,726 |  |  | 2,341
Commercial and industrial |  |  | 89,401 |  |  | 288 |  |  | 198 |  |  | 667 |  |  | 90,554 |  |  | 905
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect automobile |  |  | 351,840 |  |  | 6,494 |  |  | 1,294 |  |  | 941 |  |  | 360,569 |  |  | 953
Home equity |  |  | 15,726 |  |  | 142 |  |  | 91 |  |  | 317 |  |  | 16,276 |  |  | 415
Other consumer |  |  | 9,492 |  |  | 201 |  |  | 48 |  |  | 11 |  |  | 9,752 |  |  | 11
Total |  | $ | 771,913 |  | $ | 7,961 |  | $ | 2,631 |  | $ | 7,012 |  | $ | 789,517 |  | $ | 8,921
|  | December 31, 2018
|  |  |  |  |  |  |  | Greater Than |  |  |  |
|  |  |  | 30-59 Days |  | 60-89 Days |  | 90 Days Past |  | Total Loans |  |
|  | Current |  | Past Due |  | Past Due |  | Due |  | Receivable |  | Non-accrual
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 12,870 |  | $ | — |  | $ | — |  | $ | — |  | $ | 12,870 |  | $ | —
Non-residential |  |  | 193,273 |  |  | 1,466 |  |  | 253 |  |  | 2,507 |  |  | 197,499 |  |  | 2,507
Multifamily |  |  | 12,487 |  |  | 174 |  |  | — |  |  | — |  |  | 12,661 |  |  | —
Residential real estate |  |  | 42,083 |  |  | 305 |  |  | 615 |  |  | 531 |  |  | 43,534 |  |  | 2,208
Commercial and industrial |  |  | 82,992 |  |  | 206 |  |  | 1 |  |  | 4 |  |  | 83,203 |  |  | 297
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect automobile |  |  | 291,369 |  |  | 4,429 |  |  | 915 |  |  | 431 |  |  | 297,144 |  |  | 452
Home equity |  |  | 18,905 |  |  | 264 |  |  | — |  |  | 100 |  |  | 19,269 |  |  | 198
Other consumer |  |  | 10,601 |  |  | 186 |  |  | 29 |  |  | 10 |  |  | 10,826 |  |  | 10
Total |  | $ | 664,580 |  | $ | 7,030 |  | $ | 1,813 |  | $ | 3,583 |  | $ | 677,006 |  | $ | 5,672
There were no loans greater than 90 days past due and still accruing as of December 31, 2019 or 2018.
Schedule of information to impaired loans by loan portfolio class |
|  | December 31, 2019
|  | Recorded |  | Unpaid Principal |  | Related |  | Average Recorded
|  | Investment |  | Balance |  | Allowance |  | Investment
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |
Non-residential |  | $ | 3,911 |  | $ | 5,733 |  | $ | — |  | $ | 3,209
Multifamily |  |  | 385 |  |  | 409 |  |  | — |  |  | 192
Residential real estate |  |  | 2,341 |  |  | 2,850 |  |  | — |  |  | 2,313
Commercial and industrial |  |  | 905 |  |  | 1,109 |  |  | — |  |  | 601
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Indirect automobile |  |  | 607 |  |  | 740 |  |  | — |  |  | 441
Home equity |  |  | 415 |  |  | 467 |  |  | — |  |  | 307
Other consumer |  |  | 11 |  |  | 11 |  |  | — |  |  | 10
Total |  | $ | 8,575 |  | $ | 11,319 |  | $ | — |  | $ | 7,073
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Indirect automobile |  | $ | 346 |  | $ | 376 |  | $ | 107 |  | $ | 262
Total |  | $ | 346 |  | $ | 376 |  | $ | 107 |  | $ | 262
Total: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |
Non-residential |  | $ | 3,911 |  | $ | 5,733 |  | $ | — |  | $ | 3,209
Multifamily |  |  | 385 |  |  | 409 |  |  | — |  |  | 192
Residential real estate |  |  | 2,341 |  |  | 2,850 |  |  | — |  |  | 2,313
Commercial and industrial |  |  | 905 |  |  | 1,109 |  |  | — |  |  | 601
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Indirect automobile |  |  | 953 |  |  | 1,116 |  |  | 107 |  |  | 703
Home equity |  |  | 415 |  |  | 467 |  |  | — |  |  | 307
Other consumer |  |  | 11 |  |  | 11 |  |  | — |  |  | 10
Total |  | $ | 8,921 |  | $ | 11,695 |  | $ | 107 |  | $ | 7,335
|  | December 31, 2018
|  | Recorded |  | Unpaid Principal |  | Related |  | Average Recorded
|  | Investment |  | Balance |  | Allowance |  | Investment
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | — |  | $ | — |  | $ | — |  | $ | 563
Non-residential |  |  | 2,507 |  |  | 2,601 |  |  | — |  |  | 3,023
Residential real estate |  |  | 2,285 |  |  | 2,841 |  |  | — |  |  | 2,235
Commercial and industrial |  |  | 297 |  |  | 421 |  |  | — |  |  | 758
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Indirect automobile |  |  | 274 |  |  | 320 |  |  | — |  |  | 242
Home equity |  |  | 198 |  |  | 211 |  |  | — |  |  | 158
Other consumer |  |  | 10 |  |  | 10 |  |  | — |  |  | 5
Total |  | $ | 5,571 |  | $ | 6,404 |  | $ | — |  | $ | 6,984
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |
Non-residential |  | $ | — |  | $ | — |  | $ | — |  | $ | 451
Commercial and industrial |  |  | — |  |  | — |  |  | — |  |  | 9
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Indirect automobile |  |  | 178 |  |  | 191 |  |  | 50 |  |  | 205
Other consumer |  |  | — |  |  | — |  |  | — |  |  | 2
Total |  | $ | 178 |  | $ | 191 |  | $ | 50 |  | $ | 667
Total: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | — |  | $ | — |  | $ | — |  | $ | 563
Non-residential |  |  | 2,507 |  |  | 2,601 |  |  | — |  |  | 3,474
Residential real estate |  |  | 2,285 |  |  | 2,841 |  |  | — |  |  | 2,235
Commercial and industrial |  |  | 297 |  |  | 421 |  |  | — |  |  | 767
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Indirect automobile |  |  | 452 |  |  | 511 |  |  | 50 |  |  | 447
Home equity |  |  | 198 |  |  | 211 |  |  | — |  |  | 158
Other consumer |  |  | 10 |  |  | 10 |  |  | — |  |  | 7
Total |  | $ | 5,749 |  | $ | 6,595 |  | $ | 50 |  | $ | 7,651
Schedule of loan balances by segment |
|  | Commercial |  | Residential |  | Commercial |  |  |  |  |  |
|  | Real Estate |  | Real Estate |  | and Industrial |  | Indirect |  | Consumer |  | Totals
|  | Year ended December 31, 2019
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,080 |  | $ | 320 |  | $ | 1,542 |  | $ | 2,915 |  | $ | 789 |  | $ | 6,646
Provision for loan losses |  |  | 2,679 |  |  | (302) |  |  | (645) |  |  | 1,332 |  |  | (604) |  |  | 2,460
Loans charged-off |  |  | (1,750) |  |  | — |  |  | (312) |  |  | (2,083) |  |  | (132) |  |  | (4,277)
Recoveries |  |  | — |  |  | 81 |  |  | 18 |  |  | 953 |  |  | 73 |  |  | 1,125
Ending balance |  | $ | 2,009 |  | $ | 99 |  | $ | 603 |  | $ | 3,117 |  | $ | 126 |  | $ | 5,954
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans deemed impaired |  | $ | — |  | $ | — |  | $ | — |  | $ | 107 |  | $ | — |  | $ | 107
Loans not deemed impaired |  | $ | 2,009 |  | $ | 99 |  | $ | 603 |  | $ | 3,010 |  | $ | 126 |  | $ | 5,847
Loan receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 268,640 |  | $ | 43,726 |  | $ | 90,554 |  | $ | 360,569 |  | $ | 26,028 |  | $ | 789,517
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans deemed impaired |  | $ | 4,296 |  | $ | 2,341 |  | $ | 905 |  | $ | 953 |  | $ | 426 |  | $ | 8,921
Loans not deemed impaired |  | $ | 264,344 |  | $ | 41,385 |  | $ | 89,649 |  | $ | 359,616 |  | $ | 25,602 |  | $ | 780,596
|  | Commercial |  | Residential |  | Commercial |  |  |  |  |  |
|  | Real Estate |  | Real Estate |  | and Industrial |  | Indirect |  | Consumer |  | Totals
|  | Year ended December 31, 2018
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,305 |  | $ | 455 |  | $ | 879 |  | $ | 2,150 |  | $ | 668 |  | $ | 5,457
Provision for loan losses |  |  | (45) |  |  | (140) |  |  | 578 |  |  | 1,539 |  |  | 168 |  |  | 2,100
Loans charged-off |  |  | (303) |  |  | — |  |  | (37) |  |  | (1,607) |  |  | (66) |  |  | (2,013)
Recoveries |  |  | 123 |  |  | 5 |  |  | 122 |  |  | 833 |  |  | 19 |  |  | 1,102
Ending balance |  | $ | 1,080 |  | $ | 320 |  | $ | 1,542 |  | $ | 2,915 |  | $ | 789 |  | $ | 6,646
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans deemed impaired |  | $ | — |  | $ | — |  | $ | — |  | $ | 50 |  | $ | — |  | $ | 50
Loans not deemed impaired |  | $ | 1,080 |  | $ | 320 |  | $ | 1,542 |  | $ | 2,865 |  | $ | 789 |  | $ | 6,596
Loan receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 223,030 |  | $ | 43,534 |  | $ | 83,203 |  | $ | 297,144 |  | $ | 30,095 |  | $ | 677,006
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans deemed impaired |  | $ | 2,507 |  | $ | 2,285 |  | $ | 297 |  | $ | 452 |  | $ | 208 |  | $ | 5,749
Loans not deemed impaired |  | $ | 220,523 |  | $ | 41,249 |  | $ | 82,906 |  | $ | 296,692 |  | $ | 29,887 |  | $ | 671,257

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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953659-111524 + Details
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- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 14 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919253-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953401-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 80 -URI http://asc.fasb.org/extlink&oid=118955255&loc=SL82922355-210448 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=118936363&loc=d3e5111-111524 + Details
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- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 + Details
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