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Loans, Allowance For Loan Losses And OREO (Tables)

3 Months Ended

Mar. 31, 2017

Loans, Allowance For Loan Losses And OREO [Abstract]

Summary Of Loans, Net


	As of:
	March 31,		December 31,
	2017		2016

Commercial	$89,288		$88,085
Commercial real estate	239,520		237,638
Consumer	85,023		85,099
Residential	58,129		59,247

       Total loans (1)	471,960		470,069

Less allowance for loan losses	5,716		5,716

       Net loans	$466,244		$464,353

(1) Includes net deferred costs of $235 and $182 as of March 31, 2017 and December 31, 2016, respectively.

Loans On Non-Accrual Status


Loans on Non-Accrual Status
(dollars in thousands)
	As of
	March 31, 2017	December 31, 2016
Commercial	$894	$915
Commercial Real Estate:
   Commercial Mortgages-Owner Occupied	827	855
   Commercial Mortgages-Non-Owner Occupied	71	-
   Commercial Construction	239	256
Consumer
   Consumer Unsecured	-	-
   Consumer Secured	177	80
Residential:
   Residential Mortgages	874	1,292
   Residential Consumer Construction	65	67

     Totals	$3,147	$3,465



Changes In OREO Balance


OREO Changes
(dollars in thousands)
	Three months ended	Year ended
	March 31, 2017	December 31, 2016
Balance at the beginning of the year (net)	$2,370	$1,965
Transfers from loans	535	470
Capitalized costs	-	-
Valuation adjustments	-	(45)
Sales proceeds	(147)	(21)
Gain (loss) on disposition	(8)	1
Balance at the end of the period (net)	$2,750	$2,370



Impaired Loans

		Impaired Loans
		(dollars in thousands)
		As of and For the Three Months Ended March 31, 2017
				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
2017		Investment		Balance		Allowance		Investment		Recognized
With No Related Allowance Recorded:
Commercial		$252		$255		$      -		$475		$2
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		2,262		2,348		-		2,641		46
   Commercial Mortgage Non-Owner Occupied		418		421		-		384		5
   Commercial Construction		-		-		-		-		-
Consumer
   Consumer Unsecured		-		-		-		-		-
   Consumer Secured		18		18		-		18		-
Residential
   Residential Mortgages		1,588		1,673		-		1,572		10
   Residential Consumer Construction		-		-		-		-		-

With An Allowance Recorded:
Commercial		$1,499		$1,511		$1,128		$1,510		$9
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		1,225		1,225		233		1,406		16
   Commercial Mortgage Non-Owner Occupied		74		74		19		74		1
   Commercial Construction		169		666		78		169		-
Consumer
   Consumer Unsecured		3		3		3		2		-
   Consumer Secured		109		109		109		110		2
Residential
   Residential Mortgages		262		276		17		481		2
   Residential Consumer Construction		-		-		-		-		-

Totals:
Commercial		$1,751		$1,766		$1,128		$1,985		$11
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		3,487		3,573		233		4,047		62
   Commercial Mortgage Non-Owner Occupied		492		495		19		458		6
   Commercial Construction		169		666		78		169		-
Consumer
   Consumer Unsecured		3		3		3		2		-
   Consumer Secured		127		127		109		128		2
Residential
   Residential Mortgages		1,850		1,949		17		2,053		12
   Residential Consumer Construction		-		-		-		-		-
		$7,879		$8,579		$1,587		$8,842		$93



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


		Impaired Loans
		(dollars in thousands)
		As of and For the Year Ended December 31, 2016
				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
2016		Investment		Balance		Allowance		Investment		Recognized
With No Related Allowance Recorded:
Commercial		$698		$698		$     -		$349		$37
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		3,019		3,077		-		3,051		142
   Commercial Mortgage Non-Owner Occupied		349		349		-		263		23
   Commercial Construction		-		-		-		14		-
Consumer
   Consumer Unsecured		-		-		-		-		-
   Consumer Secured		18		18		-		19		1
Residential
   Residential Mortgages		1,555		1,687		-		1,776		55
   Residential Consumer Construction		-		-		-		86		-

With An Allowance Recorded:
Commercial		$1,521		$1,521		$1,233		$1,351		$81
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		1,587		1,618		249		1,232		81
   Commercial Mortgage Non-Owner Occupied		74		74		20		373		6
   Commercial Construction		169		657		76		255		-
Consumer
   Consumer Unsecured		-		-		-		16		-
   Consumer Secured		110		110		110		150		8
Residential
   Residential Mortgages		699		736		83		675		30
   Residential Consumer Construction		-		-		-		-		-

Totals:
Commercial		$2,219		$2,219		$1,233		$1,700		$118
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		4,606		4,695		249		4,283		223
   Commercial Mortgage Non-Owner Occupied		423		423		20		636		29
   Commercial Construction		169		657		76		269		-
Consumer
   Consumer Unsecured		-		-		-		16		-
   Consumer Secured		128		128		110		169		9
Residential
   Residential Mortgages		2,254		2,423		83		2,451		85
   Residential Consumer Construction		-		-		-		86		-
		$9,799		$10,545		$1,771		$9,610		$464



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 Three Months Ended March 31, 2017

				Commercial
2017		Commercial		Real Estate		Consumer		Residential		Total

Allowance for Loan Losses:
Beginning Balance		$2,192		$2,109		$954		$461		$5,716
Charge-offs		(5)		(17)		(3)		(105)		(130)
Recoveries		1		13		15		1		30
Provision		(67)		115		(7)		59		100
Ending Balance		$2,121		$2,220		$959		$416		$5,716

Ending Balance: Individually evaluated for impairment		$1,128		$330		$112		$17		$1,587

Ending Balance: Collectively evaluated for impairment		993		1,890		847		399		4,129


Totals:		$2,121		$2,220		$959		$416		$5,716

Loans:

Ending Balance: Individually evaluated for impairment		$1,751		$4,148		$130		$1,850		$7,879

Ending Balance: Collectively evaluated for impairment		87,537		235,372		84,893		56,279		464,081

Totals:		$89,288		$239,520		$85,023		$58,129		$471,960











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, 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		(328)		(156)		(275)		-		(759)
Recoveries		7		127		44		2		180
Provision		1,318		387		112		(205)		1,612
Ending Balance		$2,192		$2,109		$954		$461		$5,716

Ending Balance: Individually evaluated for impairment		$1,233		$345		$110		$83		$1,771

Ending Balance: Collectively evaluated for impairment		959		1,764		844		378		3,945


Totals:		$2,192		$2,109		$954		$461		$5,716

Loans:

Ending Balance: Individually evaluated for impairment		$2,219		$5,198		$128		$2,254		$9,799

Ending Balance: Collectively evaluated for impairment		85,866		232,440		84,971		56,993		460,270

Totals:		$88,085		$237,638		$85,099		$59,247		$470,069



Age Analysis Of Past Due Financing Receivables


	Age Analysis of Past Due Loans as of
	March 31, 2017
	(dollars in thousands)
			Greater				Recorded Investment
	30-59 Days	60-89 Days	than	Total Past		Total	> 90 Days &
2017	Past Due	Past Due	90 Days	Due	Current	Loans	Accruing
Commercial	$155	$819	$150	$1,124	$88,164	$89,288	$     -
Commercial Real Estate:
Commercial Mortgages-   Owner Occupied	57	937	495	1,489	89,542	91,031	-
Commercial Mortgages-Non-Owner Occupied	48	-	71	119	134,493	134,612	-
      Commercial Construction	-	-	239	239	13,638	13,877	-
Consumer:
   Consumer Unsecured	39	-	-	39	8,435	8,474	-
   Consumer Secured	319	245	129	693	75,856	76,549	-
Residential:
   Residential Mortgages	684	34	498	1,216	50,146	51,362	-
   Residential Consumer Construction	-	-	65	65	6,702	6,767	-
Total	$1,302	$2,035	$1,647	$4,984	$466,976	$471,960	$  -




	Age Analysis of Past Due Loans as of
	December 31, 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	$283	$5		$78	$366	$87,719	$88,085	$     -
Commercial Real Estate:
Commercial Mortgages-Owner Occupied	1,136	72		855	2,063	88,698	90,761	-
Commercial Mortgages-Non-Owner Occupied	140	-		-	140	134,262	134,402	-
   Commercial Construction	-	-		256	256	12,219	12,475	-
Consumer:
   Consumer Unsecured	9	-		-	9	8,558	8,567	-
   Consumer Secured	531	301		-	832	75,700	76,532	-
Residential:
   Residential Mortgages	539	161		1,063	1,763	49,525	51,288	-
Residential Consumer Construction	-	-		67	67	7,892	7,959	-
Total	$2,638	$539		$2,319	$5,496	$464,573	$470,069	$    -



Credit Quality Information-By Class



		Credit Quality Information - by Class
		March 31, 2017
		(dollars in thousands)
2017		Pass	Monitor	Special	Substandard	Doubtful	Totals
				Mention
Commercial		$85,272	$1,250	$837	$1,185	$744	$89,288
Commercial Real Estate:
Commercial Mortgages-Owner Occupied		83,365	4,011	100	3,555	-	91,031
Commercial Mortgages-Non Owner Occupied		131,716	1,754	519	623	-	134,612
Commercial Construction		12,550	1,088	-	239	-	13,877
Consumer
Consumer Unsecured		8,474	-	-	-	-	8,474
Consumer Secured		76,098	-	-	451	-	76,549
Residential:
Residential Mortgages		48,972	-	243	2,147	-	51,362
Residential Consumer Construction		6,702	-	-	65	-	6,767

Totals		$453,149	$8,103	$1,699	$8,265	$744	$471,960





		Credit Quality Information - by Class
		December 31, 2016
		(dollars in thousands)
2016		Pass	Monitor	Special	Substandard	Doubtful	Totals
				Mention
Commercial		$83,912	$1,473	$301	$1,484	$915	$88,085
Commercial Real Estate:
Commercial Mortgages-Owner Occupied		83,008	2,975	101	4,677	-	90,761
Commercial Mortgages-Non Owner Occupied		129,794	3,525	525	558	-	134,402
Commercial Construction		11,774	-	445	256	-	12,475
Consumer
Consumer Unsecured		8,567	-	-	-	-	8,567
Consumer Secured		76,215	-	-	317	-	76,532
Residential:
Residential Mortgages		48,366	-	245	2,677	-	51,288
Residential Consumer Construction		7,892	-	-	67	-	7,959

Totals		$449,528	$7,973	$1,617	$10,036	$915	$470,069



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