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Loans, Allowance For Loan Losses And OREO (Tables)

6 Months Ended

Jun. 30, 2017

Loans, Allowance For Loan Losses And OREO [Abstract]

Summary Of Loans, Net


	As of:
	June 30,		December 31,
	2017		2016

Commercial	$97,620		$88,085
Commercial real estate	241,232		237,638
Consumer	84,521		85,099
Residential	66,007		59,247

       Total loans (1)	489,380		470,069

Less allowance for loan losses	6,132		5,716

       Net loans	$483,248		$464,353

(1) Includes net deferred costs of $484 and $182 as of June 30, 2017 and December 31, 2016, respectively.

Loans On Non-Accrual Status


Loans on Non-Accrual Status
(dollars in thousands)
	As of
	June 30, 2017	December 31, 2016
Commercial	$984	$915
Commercial Real Estate:
   Commercial Mortgages-Owner Occupied	189	855
   Commercial Mortgages-Non-Owner Occupied	68	-
   Commercial Construction	169	256
Consumer
   Consumer Unsecured	-	-
   Consumer Secured	397	80
Residential:
   Residential Mortgages	778	1,292
   Residential Consumer Construction	64	67

     Totals	$2,649	$3,465



Changes In OREO Balance


OREO Changes
(dollars in thousands)
	Six months ended	Year ended
	June 30, 2017	December 31, 2016
Balance at the beginning of the year (net)	$2,370	$1,965
Transfers from loans	675	470
Capitalized costs	-	-
Valuation adjustments	-	(45)
Sales proceeds	(253)	(21)
Gain (loss) on disposition	(17)	1
Balance at the end of the period (net)	$2,775	$2,370



Impaired Loans

		Impaired Loans
		(dollars in thousands)
		As of and For the Six Months Ended June 30, 2017
				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
2017		Investment		Balance		Allowance		Investment		Recognized
With No Related Allowance Recorded:
Commercial		$393		$397		$      -		$546		$5
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		1,090		1,106		-		2,055		41
   Commercial Mortgage Non-Owner Occupied		413		418		-		381		10
   Commercial Construction		-		-		-		-		-
Consumer
   Consumer Unsecured		-		-		-		-		-
   Consumer Secured		205		210		-		112		2
Residential
   Residential Mortgages		1,464		1,552		-		1,510		23
   Residential Consumer Construction		-		-		-		-		-

With An Allowance Recorded:
Commercial		$2,259		$2,296		$1,344		$1,890		$40
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		1,728		1,728		211		1,658		46
   Commercial Mortgage Non-Owner Occupied		74		74		19		74		3
   Commercial Construction		169		676		78		169		-
Consumer
   Consumer Unsecured		3		3		3		2		-
   Consumer Secured		310		317		183		210		4
Residential
   Residential Mortgages		152		169		5		426		3
   Residential Consumer Construction		-		-		-		-		-

Totals:
Commercial		$2,652		$2,693		$1,344		$2,436		$45
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		2,818		2,834		211		3,713		87
   Commercial Mortgage Non-Owner Occupied		487		492		19		455		13
   Commercial Construction		169		676		78		169		-
Consumer
   Consumer Unsecured		3		3		3		2		-
   Consumer Secured		515		527		183		322		6
Residential
   Residential Mortgages		1,616		1,721		5		1,936		26
   Residential Consumer Construction		-		-		-		-		-
		$8,260		$8,946		$1,843		$9,033		$177



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 Six Months Ended June 30, 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)		(99)		(105)		(226)
Recoveries		3		23		32		39		97
Provision		227		92		161		65		545
Ending Balance		$2,417		$2,207		$1,048		$460		$6,132

Ending Balance: Individually evaluated for impairment		$1,344		$308		$186		$5		$1,843

Ending Balance: Collectively evaluated for impairment		1,073		1,899		862		455		4,289


Totals:		$2,417		$2,207		$1,048		$460		$6,132

Loans:

Ending Balance: Individually evaluated for impairment		$2,652		$3,474		$518		$1,616		$8,260

Ending Balance: Collectively evaluated for impairment		94,968		237,758		84,003		64,391		481,120

Totals:		$97,620		$241,232		$84,521		$66,007		$489,380











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
	June 30, 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	$33	$165	$819	$1,017	$96,603	$97,620	$     -
Commercial Real Estate:
Commercial Mortgages-   Owner Occupied	1,038	528	189	1,755	89,836	91,591	-
Commercial Mortgages-Non-Owner Occupied	230	-	68	298	136,351	136,649	-
      Commercial Construction	-	-	169	169	12,823	12,992	-
Consumer:
   Consumer Unsecured	7	-	-	7	7,651	7,658	-
   Consumer Secured	106	19	349	474	76,389	76,863	-
Residential:
   Residential Mortgages	608	-	524	1,132	52,397	53,529	-
   Residential Consumer Construction	-	-	64	64	12,414	12,478	-
Total	$2,022	$712	$2,182	$4,916	$484,464	$489,380	$  -




	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
		June 30, 2017
		(dollars in thousands)
2017		Pass	Monitor	Special	Substandard	Doubtful	Totals
				Mention
Commercial		$93,679	$1,113	$   -	$1,919	$909	$97,620
Commercial Real Estate:
Commercial Mortgages-Owner Occupied		80,641	7,608	457	2,885	-	91,591
Commercial Mortgages-Non Owner Occupied		133,655	1,911	470	613	-	136,649
Commercial Construction		11,690	-	1,133	169	-	12,992
Consumer
Consumer Unsecured		7,655	-	-	3	-	7,658
Consumer Secured		75,627	531	-	705	-	76,863
Residential:
Residential Mortgages		51,379	-	243	1,907	-	53,529
Residential Consumer Construction		12,414	-	-	64	-	12,478

Totals		$466,740	$11,163	$2,303	$8,265	$909	$489,380





		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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