Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2020

Allowance For Loan Losses [Abstract]

Changes in the Allowance for Loan Losses

An allocation of a portion of the allowance to a given portfolio class does not limit the Company’s ability to absorb losses in another portfolio class.

	March 31, 2020
	1-4 family
	first-lien			Residential									Other
	residential			construction			Commercial			Commercial			commercial
(In thousands)	mortgage			mortgage			real estate			lines of credit			and industrial
Allowance for loan losses:
Beginning Balance	$	580		$	-		$	4,010		$	1,195		$	1,645
Charge-offs		(26	)		-			-			-			-
Recoveries		1			-			-			2			-
Provisions		176			-			233			21			113
Ending balance	$	731		$	-		$	4,243		$	1,218		$	1,758
Ending balance: related to loans individually evaluated for impairment	$	95		$	-		$	76		$	98		$	379
Ending balance: related to loans collectively evaluated for impairment	$	636		$	-		$	4,167		$	1,120		$	1,379
Loans receivables:
Ending balance	$	212,149		$	2,338		$	261,929		$	59,354		$	84,774
Ending balance: individually evaluated for impairment	$	1,604		$	-		$	4,427		$	181		$	881
Ending balance: collectively evaluated for impairment	$	210,545		$	2,338		$	257,502		$	59,173		$	83,893

				Home equity			Other
	Tax exempt			and junior liens			Consumer			Unallocated			Total
Allowance for loan losses:
Beginning Balance	$	1		$	553		$	413		$	272		$	8,669
Charge-offs		-			(28	)		(133	)		-			(187	)
Recoveries		-			29			25			-			57
Provisions (credits)		-			57			541			(74	)		1,067
Ending balance	$	1		$	611		$	846		$	198		$	9,606
Ending balance: related to loans individually evaluated for impairment	$	-		$	128		$	1		$	-		$	777
Ending balance: related to loans collectively evaluated for impairment	$	1		$	483		$	845		$	198		$	8,829
Loans receivables:
Ending balance	$	7,937		$	44,732		$	76,839		$	150		$	750,202
Ending balance: individually evaluated for impairment	$	-		$	219		$	90		$	-		$	7,402
Ending balance: collectively evaluated for impairment	$	7,937		$	44,513		$	76,749		$	150		$	742,800

	March 31, 2019
	1-4 family
	first-lien			Residential								Other
	residential			construction		Commercial			Commercial			commercial
(In thousands)	mortgage			mortgage		real estate			lines of credit			and industrial
Allowance for loan losses:
Beginning Balance	$	766		$	-	$	3,578		$	730		$	1,285
Charge-offs		-			-		-			(107	)		(1	)
Recoveries		-			-		-			-			-
Provisions (credits)		(44	)		-		(208	)		179			276
Ending balance	$	722		$	-	$	3,370		$	802		$	1,560
Ending balance: related to loans individually evaluated for impairment	$	104		$	-	$	98		$	92		$	464
Ending balance: related to loans collectively evaluated for impairment	$	618		$	-	$	3,272		$	710		$	1,096
Loans receivables:
Ending balance	$	237,917		$	3,855	$	208,388		$	55,238		$	67,542
Ending balance: individually evaluated for impairment	$	1,422		$	-	$	2,863		$	318		$	1,052
Ending balance: collectively evaluated for impairment	$	236,495		$	3,855	$	205,525		$	54,920		$	66,490


				Home equity		Other
	Tax exempt			and junior liens		Consumer			Unallocated			Total
Allowance for loan losses:
Beginning Balance	$	1		$	409	$	385		$	152		$	7,306
Charge-offs		-			-		(67	)		-			(175	)
Recoveries		-			-		9			-			9
Provisions (credits)		-			21		72			(152	)		144
Ending balance	$	1		$	430	$	399		$	-		$	7,284
Ending balance: related to loans individually evaluated for impairment	$	-		$	139	$	9		$	-		$	906
Ending balance: related to loans collectively evaluated for impairment	$	1		$	291	$	390		$	-		$	6,378
Loans receivables:
Ending balance	$	9,256		$	26,212	$	49,272					$	657,680
Ending balance: individually evaluated for impairment	$	-		$	207	$	101					$	5,963
Ending balance: collectively evaluated for impairment	$	9,256		$	26,005	$	49,171					$	651,717

Schedule of Allowance for Loan Losses on Basis of Calculation Methodology

The allocation of the allowance for loan losses summarized on the basis of the Company’s calculation methodology was as follows:

	March 31, 2020
	1-4 family
	first-lien		Residential						Other
	residential		construction		Commercial		Commercial		commercial
(In thousands)	mortgage		mortgage		real estate		lines of credit		and industrial
Specifically reserved	$	95	$	-	$	76	$	98	$	379
Historical loss rate		66		-		101		100		57
Qualitative factors		570		-		4,066		1,020		1,322
Total	$	731	$	-	$	4,243	$	1,218	$	1,758

			Home equity		Other
	Tax exempt		and junior liens		consumer		Unallocated		Total
Specifically reserved	$	-	$	128	$	1	$	-	$	777
Historical loss rate		-		146		584		-		1,054
Qualitative factors		1		337		261		-		7,577
Other		-		-		-		198		198
Total	$	1	$	611	$	846	$	198	$	9,606

	March 31, 2019
	1-4 family
	first-lien		Residential						Other
	residential		construction		Commercial		Commercial		commercial
(In thousands)	mortgage		mortgage		real estate		lines of credit		and industrial
Specifically reserved	$	104	$	-	$	98	$	92	$	464
Historical loss rate		65		-		151		18		26
Qualitative factors		553		-		3,121		692		1,070
Total	$	722	$	-	$	3,370	$	802	$	1,560

			Home equity		Other
	Tax exempt		and junior liens		consumer		Unallocated		Total
Specifically reserved	$	-	$	139	$	9	$	-	$	906
Historical loss rate		-		13		149		-		422
Qualitative factors		1		278		241		-		5,956
Total	$	1	$	430	$	399	$	-	$	7,284