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Loans and Allowance for Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2018
Loans and Allowance for Loan Losses [Abstract] |
Summary of categories of loans |
|  | Total Loans |  |  | Nonaccrual Loans |
($ in thousands) |  | 2018 |  |  | 2017 |  |  | 2018 |  |  | 2017 |
Commercial & industrial |  | $ | 127,041 |  |  | $ | 101,554 |  |  | $ | 731 |  |  | $ | 121 |
Commercial real estate & construction |  |  | 340,791 |  |  |  | 332,154 |  |  |  | 218 |  |  |  | 1,322 |
Agricultural & farmland |  |  | 52,012 |  |  |  | 51,947 |  |  |  | - |  |  |  | - |
Residential real estate |  |  | 187,104 |  |  |  | 150,854 |  |  |  | 1,738 |  |  |  | 1,123 |
Consumer & other |  |  | 64,336 |  |  |  | 59,619 |  |  |  | 219 |  |  |  | 138 |
Total loans |  | $ | 771,284 |  |  | $ | 696,128 |  |  | $ | 2,906 |  |  | $ | 2,704 |
Unearned income |  | $ | 599 |  |  | $ | 487 |  |  |  |  |  |  |  |  |
Total loans, net of unearned income |  | $ | 771,883 |  |  | $ | 696,615 |  |  |  |  |  |  |  |  |
Allowance for loan losses |  | $ | (8,167 | ) |  | $ | (7,930 | ) |  |  |  |  |  |  |  |
Summary loan commitments, unused lines of credit and standby letters of credit |
($ in thousands) |  | 2018 |  |  | 2017 |
Loan commitments and unused lines of credit |  | $ | 168,731 |  |  | $ | 170,437 |
Standby letters of credit |  |  | 2,145 |  |  |  | 1,643 |
Total |  | $ | 170,876 |  |  | $ | 172,080 |
Summary of allowance for loan and lease losses and recorded investment in loans based on portfolio segment and impairment method |
|  | Commercial |  |  | Commercial RE |  |  | Agricultural |  |  | Residential |  |  | Consumer |  |  |  |
($ in thousands) |  | & Industrial |  |  | & Construction |  |  | & Farmland |  |  | Real Estate |  |  | & Other |  |  | Total |
For the Twelve Months Ended December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 823 |  |  | $ | 3,779 |  |  | $ | 505 |  |  | $ | 2,129 |  |  | $ | 694 |  |  | $ | 7,930 |
Charge offs |  |  | (227 | ) |  |  | (42 | ) |  |  | - |  |  |  | (30 | ) |  |  | (108 | ) |  |  | (407 | )
Recoveries |  |  | 1 |  |  |  | 28 |  |  |  | - |  |  |  | 2 |  |  |  | 13 |  |  |  | 44 |
Provision |  |  | 838 |  |  |  | (842 | ) |  |  | (23 | ) |  |  | 466 |  |  |  | 161 |  |  |  | 600 |
Ending Balance |  | $ | 1,435 |  |  | $ | 2,923 |  |  | $ | 482 |  |  | $ | 2,567 |  |  | $ | 760 |  |  | $ | 8,167 |
Loans Receivable at December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
individually evaluated for impairment |  | $ | 61 |  |  | $ | - |  |  | $ | - |  |  | $ | 73 |  |  | $ | 4 |  |  | $ | 138 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
collectively evaluated for impairment |  | $ | 1,374 |  |  | $ | 2,923 |  |  | $ | 482 |  |  | $ | 2,494 |  |  | $ | 756 |  |  | $ | 8,029 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
individually evaluated for impairment |  | $ | 700 |  |  | $ | 283 |  |  | $ | - |  |  | $ | 2,111 |  |  | $ | 190 |  |  | $ | 3,284 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
collectively evaluated for impairment |  | $ | 126,341 |  |  | $ | 340,508 |  |  | $ | 52,012 |  |  | $ | 184,993 |  |  | $ | 64,146 |  |  | $ | 768,000 |
|  | Commercial |  |  | Commercial RE |  |  | Agricultural |  |  | Residential |  |  | Consumer |  |  |  |
($ in thousands) |  | & Industrial |  |  | & Construction |  |  | & Farmland |  |  | Real Estate |  |  | & Other |  |  | Total |
For the Twelve Months Ended December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,204 |  |  | $ | 3,321 |  |  | $ | 347 |  |  | $ | 1,963 |  |  | $ | 890 |  |  | $ | 7,725 |
Charge offs |  |  | (50 | ) |  |  | (26 | ) |  |  | - |  |  |  | (61 | ) |  |  | (94 | ) |  |  | (231 | )
Recoveries |  |  | 5 |  |  |  | 2 |  |  |  | 5 |  |  |  | 6 |  |  |  | 18 |  |  |  | 36 |
Provision |  |  | (336 | ) |  |  | 482 |  |  |  | 153 |  |  |  | 221 |  |  |  | (120 | ) |  |  | 400 |
Ending Balance |  | $ | 823 |  |  | $ | 3,779 |  |  | $ | 505 |  |  | $ | 2,129 |  |  | $ | 694 |  |  | $ | 7,930 |
Loans Receivable at December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
individually evaluated for impairment |  | $ | - |  |  | $ | 146 |  |  | $ | - |  |  | $ | 178 |  |  | $ | 5 |  |  | $ | 329 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
collectively evaluated for impairment |  | $ | 823 |  |  | $ | 3,633 |  |  | $ | 505 |  |  | $ | 1,951 |  |  | $ | 689 |  |  | $ | 7,601 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
individually evaluated for impairment |  | $ | - |  |  | $ | 1,385 |  |  | $ | - |  |  | $ | 1,830 |  |  | $ | 197 |  |  | $ | 3,412 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
collectively evaluated for impairment |  | $ | 101,554 |  |  | $ | 330,769 |  |  | $ | 51,947 |  |  | $ | 149,024 |  |  | $ | 59,422 |  |  | $ | 692,716 |
Summary of credit risk profile of the Company's loan portfolio based on rating category |
($ in thousands) |  | Commercial |  |  | Commercial RE |  |  | Agricultural |  |  | Residential |  |  | Consumer |  |  |  |
December 31, 2018 |  | & Industrial |  |  | & Construction |  |  | & Farmland |  |  | Real Estate |  |  | & Other |  |  | Total |
1-2 |  | $ | 195 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 195 |
3 |  |  | 19,849 |  |  |  | 94,669 |  |  |  | 8,277 |  |  |  | 145,020 |  |  |  | 62,345 |  |  |  | 330,160 |
4 |  |  | 103,817 |  |  |  | 244,170 |  |  |  | 43,425 |  |  |  | 39,561 |  |  |  | 1,657 |  |  |  | 432,630 |
Total Pass (1 - 4) |  |  | 123,861 |  |  |  | 338,839 |  |  |  | 51,702 |  |  |  | 184,581 |  |  |  | 64,002 |  |  |  | 762,985 |
Special Mention (5) |  |  | 680 |  |  |  | 20 |  |  |  | 310 |  |  |  | - |  |  |  | - |  |  |  | 1,010 |
Substandard (6) |  |  | 2,305 |  |  |  | 1,714 |  |  |  | - |  |  |  | 2,488 |  |  |  | 334 |  |  |  | 6,841 |
Doubtful (7) |  |  | 195 |  |  |  | 218 |  |  |  | - |  |  |  | 35 |  |  |  | - |  |  |  | 448 |
Loss (8) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total Loans |  | $ | 127,041 |  |  | $ | 340,791 |  |  | $ | 52,012 |  |  | $ | 187,104 |  |  | $ | 64,336 |  |  | $ | 771,284 |
($ in thousands) |  | Commercial |  |  | Commercial RE |  |  | Agricultural |  |  | Residential |  |  | Consumer |  |  |  |
December 31, 2017 |  | & Industrial |  |  | & Construction |  |  | & Farmland |  |  | Real Estate |  |  | & Other |  |  | Total |
1-2 |  | $ | 96 |  |  | $ | 13 |  |  | $ | - |  |  | $ | 832 |  |  | $ | 1 |  |  | $ | 942 |
3 |  |  | 19,883 |  |  |  | 93,222 |  |  |  | 8,080 |  |  |  | 114,130 |  |  |  | 57,204 |  |  |  | 292,519 |
4 |  |  | 80,448 |  |  |  | 236,217 |  |  |  | 43,735 |  |  |  | 34,271 |  |  |  | 2,151 |  |  |  | 396,822 |
Total Pass (1 - 4) |  |  | 100,427 |  |  |  | 329,452 |  |  |  | 51,815 |  |  |  | 149,233 |  |  |  | 59,356 |  |  |  | 690,283 |
Special Mention (5) |  |  | 512 |  |  |  | 1,100 |  |  |  | 132 |  |  |  | - |  |  |  | 66 |  |  |  | 1,810 |
Substandard (6) |  |  | 7 |  |  |  | 580 |  |  |  | - |  |  |  | 1,583 |  |  |  | 197 |  |  |  | 2,367 |
Doubtful (7) |  |  | 608 |  |  |  | 1,022 |  |  |  | - |  |  |  | 38 |  |  |  | - |  |  |  | 1,668 |
Loss (8) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total Loans |  | $ | 101,554 |  |  | $ | 332,154 |  |  | $ | 51,947 |  |  | $ | 150,854 |  |  | $ | 59,619 |  |  | $ | 696,128 |
Summary of loan portfolio aging analysis |
($ in thousands) |  | 30-59 Days |  |  | 60-89 Days |  |  | Greater Than |  |  | Total Past |  |  |  |  |  | Total Loans |
December 31, 2018 |  | Past Due |  |  | Past Due |  |  | 90 Days |  |  | Due |  |  | Current |  |  | Receivable |
Commercial & industrial |  | $ | 120 |  |  | $ | - |  |  | $ | 661 |  |  | $ | 781 |  |  | $ | 126,260 |  |  | $ | 127,041 |
Commercial RE & construction |  |  | 342 |  |  |  | 1 |  |  |  | - |  |  |  | 343 |  |  |  | 340,448 |  |  |  | 340,791 |
Agricultural & farmland |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 52,012 |  |  |  | 52,012 |
Residential real estate |  |  | 2,391 |  |  |  | 824 |  |  |  | 372 |  |  |  | 3,587 |  |  |  | 183,517 |  |  |  | 187,104 |
Consumer & other |  |  | 177 |  |  |  | 79 |  |  |  | 78 |  |  |  | 334 |  |  |  | 64,002 |  |  |  | 64,336 |
Total Loans |  | $ | 3,030 |  |  | $ | 904 |  |  | $ | 1,111 |  |  | $ | 5,045 |  |  | $ | 766,239 |  |  | $ | 771,284 |
($ in thousands) |  | 30-59 Days |  |  | 60-89 Days |  |  | Greater Than |  |  | Total Past |  |  |  |  |  | Total Loans |
December 31, 2017 |  | Past Due |  |  | Past Due |  |  | 90 Days |  |  | Due |  |  | Current |  |  | Receivable |
Commercial & industrial |  | $ | 85 |  |  | $ | - |  |  | $ | 88 |  |  | $ | 173 |  |  | $ | 101,381 |  |  | $ | 101,554 |
Commercial RE & construction |  |  | 110 |  |  |  | - |  |  |  | 1,086 |  |  |  | 1,196 |  |  |  | 330,958 |  |  |  | 332,154 |
Agricultural & farmland |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 51,947 |  |  |  | 51,947 |
Residential real estate |  |  | 484 |  |  |  | 379 |  |  |  | 433 |  |  |  | 1,296 |  |  |  | 149,558 |  |  |  | 150,854 |
Consumer & other |  |  | 182 |  |  |  | 21 |  |  |  | 103 |  |  |  | 306 |  |  |  | 59,313 |  |  |  | 59,619 |
Total Loans |  | $ | 861 |  |  | $ | 400 |  |  | $ | 1,710 |  |  | $ | 2,971 |  |  | $ | 693,157 |  |  | $ | 696,128 |
Summary of impaired loan activity |
($ in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Twelve Months Ended |  | Recorded |  |  | Unpaid Principal |  |  | Related |  |  | Average Recorded |  |  | Interest Income |
December 31, 2018 |  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Recognized |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 575 |  |  | $ | 802 |  |  | $ | - |  |  | $ | 370 |  |  | $ | 21 |
Commercial RE & construction |  |  | 283 |  |  |  | 283 |  |  |  | - |  |  |  | 336 |  |  |  | 21 |
Agricultural & farmland |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Residential real estate |  |  | 1,249 |  |  |  | 1,292 |  |  |  | - |  |  |  | 1,995 |  |  |  | 91 |
Consumer & other |  |  | 113 |  |  |  | 113 |  |  |  | - |  |  |  | 125 |  |  |  | 8 |
With a specific allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  |  | 125 |  |  |  | 125 |  |  |  | 61 |  |  |  | 127 |  |  |  | 21 |
Commercial RE & construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Agricultural & farmland |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Residential real estate |  |  | 862 |  |  |  | 888 |  |  |  | 73 |  |  |  | 426 |  |  |  | 20 |
Consumer & other |  |  | 77 |  |  |  | 77 |  |  |  | 4 |  |  |  | 91 |  |  |  | 6 |
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 700 |  |  | $ | 927 |  |  | $ | 61 |  |  | $ | 497 |  |  | $ | 42 |
Commercial RE & construction |  | $ | 283 |  |  | $ | 283 |  |  | $ | - |  |  | $ | 336 |  |  | $ | 21 |
Agricultural & farmland |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Residential real estate |  | $ | 2,111 |  |  | $ | 2,180 |  |  | $ | 73 |  |  | $ | 2,421 |  |  | $ | 111 |
Consumer & other |  | $ | 190 |  |  | $ | 190 |  |  | $ | 4 |  |  | $ | 216 |  |  | $ | 14 |
($ in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Twelve Months Ended |  | Recorded |  |  | Unpaid Principal |  |  | Related |  |  | Average Recorded |  |  | Interest Income |
December 31, 2017 |  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Recognized |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Commercial RE & construction |  |  | 696 |  |  |  | 722 |  |  |  | - |  |  |  | 756 |  |  |  | 34 |
Agricultural & farmland |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Residential real estate |  |  | 752 |  |  |  | 795 |  |  |  | - |  |  |  | 1,460 |  |  |  | 67 |
Consumer & other |  |  | 110 |  |  |  | 110 |  |  |  | - |  |  |  | 128 |  |  |  | 9 |
With a specific allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial RE & construction |  |  | 689 |  |  |  | 689 |  |  |  | 146 |  |  |  | 713 |  |  |  | - |
Agricultural & farmland |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Residential real estate |  |  | 1,078 |  |  |  | 1,097 |  |  |  | 178 |  |  |  | 628 |  |  |  | 25 |
Consumer & other |  |  | 87 |  |  |  | 87 |  |  |  | 5 |  |  |  | 91 |  |  |  | 5 |
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Commercial RE & construction |  | $ | 1,385 |  |  | $ | 1,411 |  |  | $ | 146 |  |  | $ | 1,469 |  |  | $ | 34 |
Agricultural & farmland |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Residential real estate |  | $ | 1,830 |  |  | $ | 1,892 |  |  | $ | 178 |  |  | $ | 2,088 |  |  | $ | 92 |
Consumer & other |  | $ | 197 |  |  | $ | 197 |  |  | $ | 5 |  |  | $ | 219 |  |  | $ | 14 |

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