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Loans, Allowance For Loan Losses and OREO (Tables)

9 Months Ended

Sep. 30, 2016

Loans, Allowance For Loan Losses and OREO [Abstract]

Summary Of Loans, Net


	As of:
	September 30,		December 31,
	2016		2015

Commercial	$85,330		$76,773
Commercial real estate	228,689		217,125
Consumer	84,148		81,531
Residential	63,922		59,699

       Total loans (1)	462,089		435,128

Less allowance for loan losses	4,953		4,683

       Net loans	$457,136		$430,445

(1) Includes deferred costs of $199 and $263, respectively.

Loans On Non-Accrual Status


Loans on Non-Accrual Status
(dollars in thousands)
	As of
	September 30, 2016	December 31, 2015
Commercial	$369	$483
Commercial Real Estate:
   Commercial Mortgages-Owner Occupied	859	799
   Commercial Mortgages-Non-Owner Occupied	-	514
   Commercial Construction	256	367
Consumer
   Consumer Unsecured	-	31
   Consumer Secured	27	269
Residential:
   Residential Mortgages	853	695
   Residential Consumer Construction	71	248

     Totals	$2,435	$3,406



Changes In OREO Balance


OREO Changes
(dollars in thousands)
	Nine months ended	Year ended
	September 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	(50)	(75)
Sales proceeds	(21)	(360)
Gain (loss) on disposition	1	(6)
Balance at the end of the period (net)	$2,370	$1,965



Impaired Loans

		Impaired Loans
		(dollars in thousands)
		As of and For the Nine Months Ended September 30, 2016
				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
2016		Investment		Balance		Allowance		Investment		Recognized
With No Related Allowance Recorded:
Commercial		$528		$528		$      -		$264		$23
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		3,042		3,088		-		3,062		108
   Commercial Mortgage Non-Owner Occupied		352		352		-		265		18
   Commercial Construction		-		-		-		14		-
Consumer
   Consumer Unsecured		-		-		-		-		-
   Consumer Secured		19		19		-		20		1
Residential
   Residential Mortgages		1,741		1,795		-		1,869		51
   Residential Consumer Construction		-		-		-		86		-

With An Allowance Recorded:
Commercial		$986		$1,081		$535		$1,083		$25
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		1,598		1,619		260		1,238		65
   Commercial Mortgage Non-Owner Occupied		75		75		20		374		4
   Commercial Construction		169		647		75		255		-
Consumer
   Consumer Unsecured		-		-		-		16		-
   Consumer Secured		111		111		111		151		6
Residential
   Residential Mortgages		451		478		72		551		19
   Residential Consumer Construction		-		-		-		-		-

Totals:
Commercial		$1,514		$1,609		$535		$1,347		$48
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		4,640		4,707		260		4,300		173
   Commercial Mortgage Non-Owner Occupied		427		427		20		639		22
   Commercial Construction		169		647		75		269		-
Consumer
   Consumer Unsecured		-		-		-		16		-
   Consumer Secured		130		130		111		171		7
Residential
   Residential Mortgages		2,192		2,273		72		2,420		70
   Residential Consumer Construction		-		-		-		86		-
		$9,072		$9,793		$1,073		$9,248		$320



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 Nine Months Ended September 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		(97)		(156)		(239)		-		(492)
Recoveries		5		126		35		1		167
Provision		392		332		53		(182)		595
Ending Balance		$1,495		$2,053		$922		$483		$4,953

Ending Balance: Individually evaluated for impairment		$535		$355		$111		$72		$1,073

Ending Balance: Collectively evaluated for impairment		960		1,698		811		411		3,880


Totals:		$1,495		$2,053		$922		$483		$4,953

Loans:

Ending Balance: Individually evaluated for impairment		$1,514		$5,236		$130		$2,192		$9,072

Ending Balance: Collectively evaluated for impairment		83,816		223,453		84,018		61,730		453,017

Totals:		$85,330		$228,689		$84,148		$63,922		$462,089











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
	September 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	$13	$  -	$369	$382	$84,948	$85,330	$     -
Commercial Real Estate:
Commercial Mortgages-   Owner Occupied	625	-	859	1,484	86,852	88,336	-
Commercial Mortgages-Non-Owner Occupied	88	-	-	88	128,429	128,517	-
      Commercial Construction	-	-	256	256	11,580	11,836	-
Consumer:
   Consumer Unsecured	19	-	-	19	7,551	7,570	-
   Consumer Secured	362	-	-	362	76,216	76,578	-
Residential:
   Residential Mortgages	1,071	258	802	2,131	50,636	52,767	-
   Residential Consumer Construction	-	-	71	71	11,084	11,155	-
Total	$2,178	$258	$2,357	$4,793	$457,296	$462,089	$  -




	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
		September 30, 2016
		(dollars in thousands)
2016		Pass	Monitor	Special	Substandard	Doubtful	Totals
				Mention
Commercial		$81,422	$1,690	$649	$1,569	$   -	$85,330
Commercial Real Estate:
Commercial Mortgages-Owner Occupied		80,305	3,014	304	4,713	-	88,336
Commercial Mortgages-Non Owner Occupied		123,754	3,546	652	565	-	128,517
Commercial Construction		11,580	-	-	256	-	11,836
Consumer
Consumer Unsecured		7,570	-	-	-	-	7,570
Consumer Secured		76,231	-	-	347	-	76,578
Residential:
Residential Mortgages		50,058	-	246	2,463	-	52,767
Residential Consumer Construction		11,084	-	-	71	-	11,155

Totals		$442,004	$8,250	$1,851	$9,984	$    -	$462,089





		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 Nine Months Ended September 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		$19		$19
Commercial Real Estate		2		452		452



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