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Loans, Allowance For Loan Losses and OREO | 6 Months Ended
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Jun. 30, 2015
Loans, Allowance For Loan Losses and OREO [Abstract] |
Loans, Allowance For Loan Losses and OREO | Note 9 – Loans, allowance for loan losses and OREO Management has an established methodology used to determine the adequacy of the allowance for loan losses that assesses the risks and losses inherent in the loan portfolio. For purposes of determining the allowance for loan losses, the Bank has segmented certain loans in the portfolio by product type. Within these segments, the Bank has sub-segmented its portfolio into classes, based on the associated risks. The classifications set forth below do not correspond directly to the classifications set forth in the call report (Form FFIEC 041). Management has determined that the classifications set forth below are more appropriate for use in identifying and managing risk in the loan portfolio.
Loan Segments: |  | Loan Classes: |
Commercial |  | Commercial and industrial loans
Commercial real estate |  | Commercial mortgages – owner occupied
|  | Commercial mortgages – non-owner occupied
|  | Commercial construction
Consumer |  | Consumer unsecured
|  | Consumer secured
Residential |  | Residential mortgages
|  | Residential consumer construction
A summary of loans, net is as follows (dollars in thousands):
| As of:
| June 30, |  | December 31,
| 2015 |  | 2014
Commercial | $ 68,427 |  | $ 63,259
Commercial real estate | 215,755 |  | 207,262
Consumer | 78,675 |  | 76,380
Residential | 54,154 |  | 52,462
Total loans | 417,011 |  | 399,363
Less allowance for loan losses | 4,586 |  | 4,790
Net loans | $ 412,425 |  | $ 394,573
The Bank’s internal risk rating system is in place to grade commercial and commercial real estate loans. Category ratings are reviewed periodically by lenders and the credit review area of the Bank based on the borrower’s individual situation. Additionally, internal and external monitoring and review of credits are conducted on an annual basis. Note 9 – Loans, allowance for loan losses and OREO (continued) Below is a summary and definition of the Bank’s risk rating categories:
RATING 1 | Excellent
RATING 2 | Above Average
RATING 3 | Satisfactory
RATING 4 | Acceptable / Low Satisfactory
RATING 5 | Monitor
RATING 6 | Special Mention
RATING 7 | Substandard
RATING 8 | Doubtful
RATING 9 | Loss
We segregate loans into the above categories based on the following criteria and we review the characteristics of each rating at least annually, generally during the first quarter. The characteristics of these ratings are as follows:
| · |  | “Pass.” These are loans having risk ratings of 1 through 4. Pass loans are to persons or business entities with an acceptable financial condition, appropriate collateral margins, appropriate cash flow to service the existing loan, and an appropriate leverage ratio. The borrower has paid all obligations as agreed and it is expected that this type of payment history will continue. When necessary, acceptable personal guarantors support the loan.
| · |  | “Monitor.” These are loans having a risk rating of 5. Monitor loans have currently acceptable risk but may have the potential for a specific defined weakness in the borrower’s operations and the borrower’s ability to generate positive cash flow on a sustained basis. The borrower’s recent payment history may currently or in the future be characterized by late payments. The Bank’s risk exposure is mitigated by collateral supporting the loan. The collateral is considered to be well-margined, well maintained, accessible and readily marketable.
| · |  | “Special Mention.” These are loans having a risk rating of 6. Special Mention loans have weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the bank’s credit position at some future date. Special Mention loans are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. These loans do warrant more than routine monitoring due to a weakness caused by adverse events.
| · |  | “Substandard.” These are loans having a risk rating of 7. Substandard loans are considered to have specific and well-defined weaknesses that jeopardize the viability of the Bank’s credit extension. The payment history for the loan has been inconsistent and the expected or projected primary repayment source may be inadequate to service the loan. The estimated net liquidation value of the collateral pledged and/or ability of the personal guarantor(s) to pay the loan may not adequately protect the Bank. There is a distinct possibility that the Bank will sustain some loss if the deficiencies associated with the loan are not corrected in the near term. A substandard loan would not automatically meet our definition of impaired unless the loan is significantly past due and the borrower’s performance and financial condition provides evidence that it is probable that the Bank will be unable to collect all amounts due.
| · |  | “Doubtful.” These are loans having a risk rating of 8. Doubtful rated loans have all the weaknesses inherent in a loan that is classified substandard but with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The possibility of loss is extremely high.
Note 9 – Loans, allowance for loan losses and OREO (continued)
| · |  | “Loss.” These are loans having a risk rating of 9. Loss rated loans are not considered collectible under normal circumstances and there is no realistic expectation for any future payment on the loan. Loss rated loans are fully charged off.
Loan s on Non-Accrual Status
(dollars in thousands)
| As of
| June 30, 2015 | December 31, 2014
Commercial | $ 678 | $ 1,965
Commercial Real Estate:
Commercial Mortgages-Owner Occupied | - | 212
Commercial Mortgages-Non-Owner Occupied | 314 | 70
Commercial Construction | 367 | 460
Consumer |  |
Consumer Unsecured | - | -
Consumer Secured | 258 | 20
Residential: |
Residential Mortgages | 205 | 689
Residential Consumer Construction | 87 | 90
Totals | $ 1,909 | $ 3,506
We also classify other real estate owned (OREO) as a nonperforming asset. OREO represents real property owned by the Bank either through purchase at foreclosure or received from the borrower through a deed in lieu of foreclosure. OREO in creased to $2,065,000 on June 30, 2015 from $956,000 on December 31, 2014. The following table represents the changes in OREO balance during the six months ended June 30, 2015 and year end December 31, 2014.
OREO Changes |
(dollars in thousands) |
| Six Months ended | Year ended
| June 30, 2015 | December 31, 2014
Balance at the beginning of the year (net) | $ 956 | $ 1,451
Transfers from loans | 1,125 | 473
Capitalized costs | 25 | -
Writedowns | (15) | (167)
Sales proceeds | (25) | (780)
(Loss) on disposition | (1) | (21)
Balance at the end of the period (net) | $ 2,065 | $ 956
At June 30, 2015 and December 31, 2014, the Company had no consumer mortgage loans secured by residential real estate for which foreclosure was in process. The Company held $50,000 and $65,000 of residential real estate in other real estate owned a s of June 30, 2015 and Decembe r 31, 2014, respectively. Note 9 – Loans, allowance for loan losses and OREO (continued)
|  | Impaired Loans
|  | (dollars in thousands)
|  | As of and For the Six Months Ended June 30, 2015
|  |  |  | Unpaid |  |  |  | Average |  | Interest
|  | Recorded |  | Principal |  | Related |  | Recorded |  | Income
2015 |  | Investment |  | Balance |  | Allowance |  | Investment |  | Recognized
With No Related Allowance Recorded: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ 50 |  | $ 53 |  | $ - |  | $ 1,034 |  | $ -
Commercial Real Estate |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 3,960 |  | 3,960 |  | - |  | 3,398 |  | 116
Commercial Mortgage Non-Owner Occupied |  | 1,021 |  | 1,021 |  | - |  | 1,050 |  | 27
Commercial Construction |  | 27 |  | 499 |  | - |  | 244 |  | -
Consumer |  |  |  |  |  |  |  |  |  |
Consumer Unsecured |  | - |  | - |  | - |  | - |  | -
Consumer Secured |  | 20 |  | 20 |  | - |  | 21 |  | 1
Residential |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 1,588 |  | 1,668 |  | - |  | 1,261 |  | 62
Residential Consumer Construction |  | - |  | - |  | - |  | - |  | -
With An Allowance Recorded: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ 1,197 |  | $ 1,270 |  | $ 499 |  | $ 1,302 |  | $ 16
Commercial Real Estate |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 1,227 |  | 1,227 |  | 61 |  | 1,040 |  | 30
Commercial Mortgage Non-Owner Occupied |  | 497 |  | 550 |  | 81 |  | 312 |  | 14
Commercial Construction |  | 340 |  | 677 |  | 78 |  | 170 |  | -
Consumer |  |  |  |  |  |  |  |  |  |
Consumer Unsecured |  | - |  | - |  | - |  | - |  | -
Consumer Secured |  | 444 |  | 501 |  | 233 |  | 282 |  | 8
Residential |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 812 |  | 956 |  | 114 |  | 821 |  | 24
Residential Consumer Construction |  | - |  | - |  | - |  | - |  | -
Totals: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ 1,247 |  | $ 1,323 |  | $ 499 |  | $ 2,336 |  | $ 16
Commercial Real Estate |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 5,187 |  | 5,187 |  | 61 |  | 4,438 |  | 146
Commercial Mortgage Non-Owner Occupied |  | 1,518 |  | 1,571 |  | 81 |  | 1,362 |  | 41
Commercial Construction |  | 367 |  | 1,176 |  | 78 |  | 414 |  | -
Consumer |  |  |  |  |  |  |  |  |  |
Consumer Unsecured |  | - |  | - |  | - |  | - |  | -
Consumer Secured |  | 464 |  | 521 |  | 233 |  | 303 |  | 9
Residential |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 2,400 |  | 2,624 |  | 114 |  | 2,082 |  | 86
Residential Consumer Construction |  | - |  | - |  | - |  | - |  | -
|  | $ 11,183 |  | $ 12,402 |  | $ 1,066 |  | $ 10,935 |  | $ 298
Note 9 – Loans, allowance for loan losses and OREO (continued)
|  | Impaired Loans
|  | (dollars in thousands)
|  | As of and For the Year Ended December 31, 2014
|  |  |  | Unpaid |  |  |  | Average |  | Interest
|  | Recorded |  | Principal |  | Related |  | Recorded |  | Income
2014 |  | Investment |  | Balance |  | Allowance |  | Investment |  | Recognized
With No Related Allowance Recorded: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ 2,017 |  | $ 2,280 |  | $ - |  | $ 2,641 |  | $ 63
Commercial Real Estate |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 2,835 |  | 2,835 |  | - |  | 1,687 |  | 152
Commercial Mortgage Non-Owner Occupied |  | 1,078 |  | 1,128 |  | - |  | 1,041 |  | 75
Commercial Construction |  | 460 |  | 1,194 |  | - |  | 606 |  | -
Consumer |  |  |  |  |  |  |  |  |  |
Consumer Unsecured |  | - |  | - |  | - |  | - |  | -
Consumer Secured |  | 21 |  | 21 |  | - |  | 21 |  | 1
Residential |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 934 |  | 1,058 |  | - |  | 702 |  | 58
Residential Consumer Construction |  | - |  | - |  | - |  | - |  | -
With An Allowance Recorded: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ 1,406 |  | $ 1,861 |  | $ 713 |  | $ 990 |  | $ 29
Commercial Real Estate |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 852 |  | 1,029 |  | 63 |  | 1,636 |  | 36
Commercial Mortgage Non-Owner Occupied |  | 126 |  | 126 |  | 32 |  | 173 |  | 7
Commercial Construction |  | - |  | - |  | - |  | - |  | -
Consumer |  |  |  |  |  |  |  |  |  |
Consumer Unsecured |  | - |  | - |  | - |  | - |  | -
Consumer Secured |  | 119 |  | 119 |  | 119 |  | 80 |  | 7
Residential |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 829 |  | 968 |  | 131 |  | 1,257 |  | 52
Residential Consumer Construction |  | - |  | - |  | - |  | - |  | -
Totals: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ 3,423 |  | $ 4,141 |  | $ 713 |  | $ 3,631 |  | $ 92
Commercial Real Estate |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 3,687 |  | 3,864 |  | 63 |  | 3,323 |  | 188
Commercial Mortgage Non-Owner Occupied |  | 1,204 |  | 1,254 |  | 32 |  | 1,214 |  | 82
Commercial Construction |  | 460 |  | 1,194 |  | - |  | 606 |  | -
Consumer |  |  |  |  |  |  |  |  |  |
Consumer Unsecured |  | - |  | - |  | - |  | - |  | -
Consumer Secured |  | 140 |  | 140 |  | 119 |  | 101 |  | 8
Residential |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 1,763 |  | 2,026 |  | 131 |  | 1,959 |  | 110
Residential Consumer Construction |  | - |  | - |  | - |  | - |  | -
|  | $ 10,677 |  | $ 12,619 |  | $ 1,058 |  | $ 10,834 |  | $ 480
Note 9 – Loans, allowance for loan losses and OREO (continued)
|  | Allowance for Loan Losses and Recorded Investment in Loans (dollars in thousands) As of and For the Six Months Ended June 30, 2015
|  |  |  | Commercial |  |  |  |  |  |
2015 |  | Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
Allowance for Loan Losses: |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ 1,235 |  | $ 2,194 |  | $ 812 |  | $ 549 |  | $ 4,790
Charge-offs |  | (256) |  | (49) |  | (155) |  | - |  | (460)
Recoveries |  | 4 |  | 71 |  | 24 |  | - |  | 99
Provision |  | 70 |  | (73) |  | 182 |  | (22) |  | 157
Ending Balance |  | $ 1,053 |  | $ 2,413 |  | $ 863 |  | $ 527 |  | $ 4,586
Ending Balance: Individually evaluated for impairment |  | $ 499 |  | $ 220 |  | $ 233 |  | $ 114 |  | $ 1,066
Ending Balance: Collectively evaluated for impairment |  | 554 |  | 1,923 |  | 630 |  | 413 |  | 3,520
Totals: |  | $ 1,053 |  | $ 2,143 |  | $ 863 |  | $ 527 |  | $ 4,586
Loans: |  |  |  |  |  |  |  |  |  |
Ending Balance: Individually evaluated for impairment |  | $ 1,247 |  | $ 7,072 |  | $ 464 |  | $ 2,400 |  | $ 11,183
Ending Balance: Collectively evaluated for impairment |  | 67,180 |  | 208,683 |  | 78,211 |  | 51,754 |  | 405,828
Totals: |  | $ 68,427 |  | $ 215,755 |  | $ 78,675 |  | $ 54,154 |  | $ 417,011
Note 9 – Loans, allowance for loan losses and OREO (continued)
|  | Allowance for Loan Losses and Recorded Investment in Loans (dollars in thousands) As of and For the Year Ended December 31, 2014
|  |  |  | Commercial |  |  |  |  |  |
2014 |  | Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
Allowance for Loan Losses: |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ 1,015 |  | $ 2,631 |  | $ 935 |  | $ 605 |  | $ 5,186
Charge-offs |  | (165) |  | (187) |  | (79) |  | (120) |  | (551)
Recoveries |  | 51 |  | 10 |  | 39 |  | - |  | 100
Provision |  | 334 |  | (260) |  | (83) |  | 64 |  | 55
Ending Balance |  | $ 1,235 |  | $ 2,194 |  | $ 812 |  | $ 549 |  | $ 4,790
Ending Balance: Individually evaluated for impairment |  | $ 713 |  | $ 95 |  | $ 119 |  | $ 131 |  | $ 1,058
Ending Balance: Collectively evaluated for impairment |  | 522 |  | 2,099 |  | 693 |  | 418 |  | 3,732
Totals: |  | $ 1,235 |  | $ 2,194 |  | $ 812 |  | $ 549 |  | $ 4,790
Loans: |  |  |  |  |  |  |  |  |  |
Ending Balance: Individually evaluated for impairment |  | $ 3,423 |  | $ 5,351 |  | $ 140 |  | $ 1,763 |  | $ 10,677
Ending Balance: Collectively evaluated for impairment |  | 59,836 |  | 201,911 |  | 76,240 |  | 50,699 |  | 388,686
Totals: |  | $ 63,259 |  | $ 207,262 |  | $ 76,380 |  | $ 52,462 |  | $ 399,363
Note 9 – Loans, allowance for loan losses and OREO (continued)
| Age Analysis of Past Due Loans as of
| June 30, 2015
| (dollars in thousands)
|  |  | Greater |  |  |  | Recorded Investment
| 30-59 Days | 60-89 Days | than | Total Past |  | Total | > 90 Days &
2015 | Past Due | Past Due | 90 Days | Due | Current | Loans | Accruing
Commercial | $ 230 | $ 10 | $ 678 | $ 918 | $ 67,509 | $ 68,427 | $ -
Commercial Real Estate: |  |  |  |  |  |  |
Commercial Mortgages- Owner Occupied | 776 | 846 | - | 1,622 | 76,726 | 78,348 | -
Commercial Mortgages-Non-Owner Occupied | 196 | 80 | 135 | 411 | 123,129 | 123,540 | -
Commercial Construction | - | - | 367 | 367 | 13,500 | 13,867 | -
Consumer: |  |  |  |  |  |  |
Consumer Unsecured | 3 | 4 | - | 7 | 5,415 | 5,422 | -
Consumer Secured | 364 | 130 | 230 | 724 | 72,529 | 73,253 | -
Residential: |  |  |  |  |  |  |
Residential Mortgages | 240 | - | 205 | 445 | 45,981 | 46,426 | -
Residential Consumer Construction | 231 | - | - | 231 | 7,497 | 7,728 | -
Total | $ 2,040 | $ 1,070 | $ 1,615 | $ 4,725 | $ 412,286 | $ 417,011 | $ -
| Age Analysis of Past Due Loans as of
| December 31, 2014
| (dollars in thousands)
|  |  | Greater |  |  |  | Recorded Investment
| 30-59 Days | 60-89 Days | than | Total Past |  | Total | > 90 Days &
2014 | Past Due | Past Due | 90 Days | Due | Current | Loans | Accruing
Commercial | $ 21 | $ 80 | $ 1,965 | $ 2,066 | $ 61,193 | $ 63,259 | $ -
Commercial Real Estate: |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied | 192 | - | 212 | 404 | 77,304 | 77,708 | -
Commercial Mortgages-Non-Owner Occupied | 86 | - | 70 | 156 | 119,019 | 119,175 | -
Commercial Construction | - | - | 460 | 460 | 9,919 | 10,379 | -
Consumer: |  |  |  |  |  |  |
Consumer Unsecured | 11 | - | - | 11 | 5,749 | 5,760 | -
Consumer Secured | 15 | - | - | 15 | 70,605 | 70,620 | -
Residential: |  |  |  |  |  |  |
Residential Mortgages | 626 | 48 | 525 | 1,199 | 43,745 | 44,944 | -
Residential Consumer Construction | 29 | - | - | 29 | 7,489 | 7,518 | -
Total | $ 980 | $ 128 | $ 3,232 | $ 4,340 | $ 395,023 | $ 399,363 | $ -
Note 9 – Loans, allowance for loan losses and OREO (continued)
|  | Credit Quality Information - by Class
|  | June 30, 2015
|  | (dollars in thousands)
2015 |  | Pass | Monitor | Special | Substandard | Doubtful | Totals
|  |  |  | Mention |  |  |
Commercial | $ 65,676 | $ 130 | $ 1,357 | $ 1,264 | $ - | $ 68,427
Commercial Real Estate: |  |  |  |  |
Commercial Mortgages-Owner Occupied | 69,293 | 1,378 | 2,406 | 5,271 | - | 78,348
Commercial Mortgages-Non Owner Occupied | 116,099 | 1,984 | 4,023 | 1,434 | - | 123,540
Commercial Construction | 13,500 | - | - | 367 | - | 13,867
Consumer |  |  |  |  |  |  |
Consumer Unsecured | 5,422 | - | - | - | - | 5,422
Consumer Secured | 72,080 | 297 | 127 | 749 | - | 73,253
Residential: |  |  |  |  |  |
Residential Mortgages | 43,790 | - | 92 | 2,544 | - | 46,426
Residential Consumer Construction | 7,641 | - | - | 87 | - | 7,728
Totals |  | $ 393,501 | $ 3,789 | $ 8,005 | $ 11,716 | $ - | $ 417,011
|  | Credit Quality Information - by Class
|  | December 31, 2014
|  | (dollars in thousands)
2014 |  | Pass | Monitor | Special | Substandard | Doubtful | Totals
|  |  |  | Mention |  |  |
Commercial | $ 58,745 | $ 725 | $ 224 | $ 3,565 | $ - | $ 63,259
Commercial Real Estate: |  |  |  |  |
Commercial Mortgages-Owner Occupied | 71,087 | 1,718 | 1,216 | 3,687 | - | 77,708
Commercial Mortgages-Non Owner Occupied | 112,560 | 1,586 | 3,971 | 1,058 | - | 119,175
Commercial Construction | 9,919 | - | - | 460 | - | 10,379
Consumer |  |  |  |  |  |  |
Consumer Unsecured | 5,673 | - | - | 87 | - | 5,760
Consumer Secured | 69,527 | 554 | 136 | 403 | - | 70,620
Residential: |  |  |  |  |  |
Residential Mortgages | 41,578 | 1,258 | 120 | 1,988 | - | 44,944
Residential Consumer Construction | 7,428 | - | - | 90 | - | 7,518
Totals |  | $ 376,517 | $ 5,841 | $ 5,667 | $ 11,338 | $ - | $ 399,363
Note 9 – Loans, allowance for loan losses and OREO (continued) The following tables describe the loan modifications classified as TDRs during the three and six months ended June 30, 2015:
For the Three Months Ended June 30, 2015 (dollars in thousands)
Troubled Debt Restructurings During the Period |  | Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Pre-Modification Outstanding Recorded Investment
Commercial Real Estate |  | 2 |  | $ 454 |  | $ 454
For the Six Months Ended June 30, 2015 (dollars in thousands)
Troubled Debt Restructurings During the Period |  | Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Pre-Modification Outstanding Recorded Investment
Commercial |  | 1 |  | $ 20 |  | $ 20
Commercial Real Estate |  | 2 |  | $ 454 |  | $ 454
There were no loan modifications that would have been classified as TDRs during the three and six months ended June 30, 2014. There were no loan modifications classified as TDRs within the last twelve months that defaulted during the three and six months ended June 30, 2015 and 2014. The loans noted in the tables above were modified during the periods to extend maturity only. These loans are factored into the determination of the allowance for loan losses as of the periods indicated and are included in the Bank’s impaired loan analysis and individually evaluated for impairment. At June 30, 2015 and December 31, 2014, the Bank had no outstanding commitments to disburse additional funds on loans classified as TDRs.

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