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Loans, Allowance For Loan Losses and OREO (Tables)

6 Months Ended

Jun. 30, 2016

Loans, Allowance For Loan Losses and OREO [Abstract]

Summary Of Loans, Net


	As of:
	June 30,		December 31,
	2016		2015

Commercial	$86,323		$76,773
Commercial real estate	223,922		217,125
Consumer	83,309		81,531
Residential	63,377		59,699

       Total loans (1)	456,931		435,128

Less allowance for loan losses	4,887		4,683

       Net loans	$452,044		$430,445

(1) Includes deferred costs of $225 and $263, respectively.

Loans On Non-Accrual Status


Loans on Non-Accrual Status
(dollars in thousands)
	As of
	June 30, 2016	December 31, 2015
Commercial	$369	$483
Commercial Real Estate:
   Commercial Mortgages-Owner Occupied	865	799
   Commercial Mortgages-Non-Owner Occupied	-	514
   Commercial Construction	291	367
Consumer
   Consumer Unsecured	-	31
   Consumer Secured	63	269
Residential:
   Residential Mortgages	806	695
   Residential Consumer Construction	146	248

     Totals	$2,540	$3,406



Changes In OREO Balance


OREO Changes
(dollars in thousands)
	Six months ended	Year ended
	June 30, 2016	December 31, 2015
Balance at the beginning of the year (net)	$1,965	$956
Transfers from loans	475	1,425
Capitalized costs	-	25
Writedowns	-	(75)
Sales proceeds	(21)	(360)
Gain (loss) on disposition	1	(6)
Balance at the end of the period (net)	$2,420	$1,965



Impaired Loans

		Impaired Loans
		(dollars in thousands)
		As of and For the Six Months Ended June 30, 2016
				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
2016		Investment		Balance		Allowance		Investment		Recognized
With No Related Allowance Recorded:
Commercial		$  -		$  -		$      -		$   -		$    -
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		1,973		1,999		-		2,528		50
   Commercial Mortgage Non-Owner Occupied		531		581		-		354		18
   Commercial Construction		-		-		-		14		-
Consumer
   Consumer Unsecured		-		-		-		-		-
   Consumer Secured		54		102		-		37		1
Residential
   Residential Mortgages		1,750		1,795		-		1,874		32
   Residential Consumer Construction		-		-		-		86		-

With An Allowance Recorded:
Commercial		$998		$1,083		$505		$1,089		$16
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		1,707		1,719		314		1,292		52
   Commercial Mortgage Non-Owner Occupied		75		75		20		374		3
   Commercial Construction		204		637		114		272		-
Consumer
   Consumer Unsecured		-		-		-		16		-
   Consumer Secured		111		111		111		151		4
Residential
   Residential Mortgages		306		323		56		478		11
   Residential Consumer Construction		-		-		-		-		-

Totals:
Commercial		$998		$1,083		$505		$1,089		$16
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		3,680		3,718		314		3,820		102
   Commercial Mortgage Non-Owner Occupied		606		656		20		728		21
   Commercial Construction		204		637		114		286		-
Consumer
   Consumer Unsecured		-		-		-		16		-
   Consumer Secured		165		213		111		188		5
Residential
   Residential Mortgages		2,056		2,118		56		2,352		43
   Residential Consumer Construction		-		-		-		86		-
		$7,709		$8,425		$1,120		$8,565		$187



Note 9 – Loans, allowance for loan losses and OREO (continued)


		Impaired Loans
		(dollars in thousands)
		As of and For the Year Ended December 31, 2015
				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
2015		Investment		Balance		Allowance		Investment		Recognized
With No Related Allowance Recorded:
Commercial		$     -		$     -		$     -		$1,009		$   -
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		3,082		3,100		-		2,959		174
   Commercial Mortgage Non-Owner Occupied		177		177		-		628		12
   Commercial Construction		27		514		-		244		-
Consumer
   Consumer Unsecured		-		-		-		-		-
   Consumer Secured		20		20		-		21		1
Residential
   Residential Mortgages		1,997		2,027		-		1,466		86
   Residential Consumer Construction		171		176		-		86		4

With An Allowance Recorded:
Commercial		$1,180		$1,256		$610		$1,293		$38
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		877		883		163		865		35
   Commercial Mortgage Non-Owner Occupied		672		738		175		399		38
   Commercial Construction		340		700		75		170		-
Consumer
   Consumer Unsecured		31		32		31		16		1
   Consumer Secured		190		193		153		155		10
Residential
   Residential Mortgages		650		800		87		740		42
   Residential Consumer Construction		-		-		-		-		-

Totals:
Commercial		$1,180		$1,256		$610		$2,302		$38
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		3,959		3,983		163		3,824		209
   Commercial Mortgage Non-Owner Occupied		849		915		175		1,027		50
   Commercial Construction		367		1,214		75		414		-
Consumer
   Consumer Unsecured		31		32		31		16		1
   Consumer Secured		210		213		153		176		11
Residential
   Residential Mortgages		2,647		2,827		87		2,206		128
   Residential Consumer Construction		171		176		-		86		4
		$9,414		$10,616		$1,294		$10,051		$441



Allowance For Loan Losses And Recorded Investment In Loans


		Allowance for Loan Losses and Recorded Investment in Loans (dollars in thousands) As of and For the Six Months Ended June 30, 2016

				Commercial
2016		Commercial		Real Estate		Consumer		Residential		Total

Allowance for Loan Losses:
Beginning Balance		$1,195		$1,751		$1,073		$664		$4,683
Charge-offs		(89)		(121)		(168)		-		(378)
Recoveries		3		101		28		-		132
Provision		528		(100)		(40)		62		450
Ending Balance		$1,637		$1,631		$893		$726		$4,887

Ending Balance: Individually evaluated for impairment		$505		$448		$111		$56		$1,120

Ending Balance: Collectively evaluated for impairment		1,132		1,183		782		670		3,767


Totals:		$1,637		$1,631		$893		$726		$4,887

Loans:

Ending Balance: Individually evaluated for impairment		$998		$4,490		$165		$2,056		$7,709

Ending Balance: Collectively evaluated for impairment		85,325		219,432		83,144		61,321		449,222

Totals:		$86,323		$223,922		$83,309		$63,377		$456,931











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, 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		(294)		(64)		(257)		-		(615)
Recoveries		14		122		54		36		226
Provision		240		(501)		464		79		282
Ending Balance		$1,195		$1,751		$1,073		$664		$4,683

Ending Balance: Individually evaluated for impairment		$610		$413		$184		$87		$1,294

Ending Balance: Collectively evaluated for impairment		585		1,338		889		577		3,389


Totals:		$1,195		$1,751		$1,073		$664		$4,683

Loans:

Ending Balance: Individually evaluated for impairment		$1,180		$5,175		$241		$2,818		$9,414

Ending Balance: Collectively evaluated for impairment		75,593		211,950		81,290		56,881		425,714

Totals:		$76,773		$217,125		$81,531		$59,699		$435,128



Age Analysis Of Past Due Financing Receivables


	Age Analysis of Past Due Loans as of
	June 30, 2016
	(dollars in thousands)
			Greater				Recorded Investment
	30-59 Days	60-89 Days	than	Total Past		Total	> 90 Days &
2016	Past Due	Past Due	90 Days	Due	Current	Loans	Accruing
Commercial	$14	$  -	$369	$383	$85,940	$86,323	$     -
Commercial Real Estate:
Commercial Mortgages-   Owner Occupied	702	100	865	1,667	79,963	81,630	-
Commercial Mortgages-Non-Owner Occupied	-	-	-	-	129,808	129,808	-
      Commercial Construction	-	-	291	291	12,193	12,484	-
Consumer:
   Consumer Unsecured	14	9	-	23	7,016	7,039	-
   Consumer Secured	496	15	35	546	75,724	76,270	-
Residential:
   Residential Mortgages	518	202	754	1,474	50,808	52,282	-
   Residential Consumer Construction	-	-	146	146	10,949	11,095	-
Total	$1,744	$326	$2,460	$4,530	$452,401	$456,931	$  -




	Age Analysis of Past Due Loans as of
	December 31, 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	$   -	$244		$483	$727	$76,046	$76,773	$     -
Commercial Real Estate:
Commercial Mortgages-Owner Occupied	425	571		426	1,422	75,549	76,971	-
Commercial Mortgages-Non-Owner Occupied	189	90		438	717	126,138	126,855	-
   Commercial Construction	-	-		367	367	12,932	13,299	-
Consumer:
   Consumer Unsecured	2	-		31	33	6,828	6,861	-
   Consumer Secured	198	68		128	394	74,276	74,670	-
Residential:
   Residential Mortgages	512	468		543	1,523	48,490	50,013	-
Residential Consumer Construction	-	-		248	248	9,438	9,686	-
Total	$1,326	$1,441		$2,664	$5,431	$429,697	$435,128	$    -



Credit Quality Information-By Class



		Credit Quality Information - by Class
		June 30, 2016
		(dollars in thousands)
2016		Pass	Monitor	Special	Substandard	Doubtful	Totals
				Mention
Commercial		$82,372	$1,605	$1,293	$1,053	$   -	$86,323
Commercial Real Estate:
Commercial Mortgages-Owner Occupied		73,500	2,272	2,103	3,755	-	81,630
Commercial Mortgages-Non Owner Occupied		125,012	3,568	658	570	-	129,808
Commercial Construction		12,193	-	-	291	-	12,484
Consumer
Consumer Unsecured		7,039	-	-	-	-	7,039
Consumer Secured		75,645	238	-	387	-	76,270
Residential:
Residential Mortgages		49,701	-	248	2,333	-	52,282
Residential Consumer Construction		11,022	-	-	73	-	11,095

Totals		$436,484	$7,683	$4,302	$8,462	$    -	$456,931





		Credit Quality Information - by Class
		December 31, 2015
		(dollars in thousands)
2015		Pass	Monitor	Special	Substandard	Doubtful	Totals
				Mention
Commercial		$73,831	$290	$1,457	$1,195	$     -	$76,773
Commercial Real Estate:
Commercial Mortgages-Owner Occupied		68,813	1,353	2,801	4,004	-	76,971
Commercial Mortgages-Non Owner Occupied		120,462	1,558	3,895	940	-	126,855
Commercial Construction		12,932	-	-	367	-	13,299
Consumer
Consumer Unsecured		6,830	-	-	31	-	6,861
Consumer Secured		73,825	276	50	519	-	74,670
Residential:
Residential Mortgages		47,180	-	-	2,833	-	50,013
Residential Consumer Construction		9,438	-	-	248	-	9,686

Totals		$413,311	$3,477	$8,203	$10,137	$    -	$435,128



Loan modifcations classified as TDR's

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		Post-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		Post-Modification Outstanding Recorded Investment
Commercial		1		$20		$20
Commercial Real Estate		2		$454		$454



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