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Loans And Allowance For Loan Losses (Tables)

12 Months Ended

Dec. 31, 2017

Loans And Allowance For Loan Losses [Abstract]

Summary Of Loans, Net


		December 31,
		2017			2016

Commercial		$96,127			$88,085
Commercial real estate		251,807			237,638
Consumer		83,746			85,099
Residential		64,094			59,247

               Total loans (1)		495,774			470,069

Less allowance for loan losses		4,752			5,716

               Net loans		$491,022			$464,353



(1) Includes net deferred costs and premiums of $940 and $182, respectively.

Loans On Non-Accrual Status



Loans on Non-Accrual Status


	As of December 31,
	2017	2016
Commercial	$727	$915
Commercial Real Estate:
   Commercial Mortgages-Owner Occupied	1,465	855
   Commercial Mortgages-Non-Owner Occupied	468	-
   Commercial Construction	-	256
Consumer
   Consumer Unsecured	-	-
   Consumer Secured	566	80
Residential:
   Residential Mortgages	1,025	1,292
   Residential Consumer Construction	58	67

     Totals	$4,309	$3,465



Impaired Loans

		Impaired Loans
		As of and for the Year Ended December 31, 2017
				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
2017		Investment		Balance		Allowance		Investment		Recognized
With No Related Allowance Recorded:
	Commercial	$       925		$              1,505		$                    -		$         812		$            54
	Commercial Real Estate
	Commercial Mortgages-Owner Occupied	2,427		2,539		-		2,723		179
	Commercial Mortgage Non-Owner Occupied	675		690		-		512		30
	Commercial Construction	-		-		-		-		-
	Consumer
	Consumer Unsecured	-		-		-		-		-
	Consumer Secured	279		283		-		149		11
	Residential
	Residential Mortgages	1,580		1,673		-		1,568		63
	Residential Consumer Construction	-		-		-		-		-

With an Allowance Recorded:
	Commercial	$        317		$                   323		$112		$         919		$            16
	Commercial Real Estate
	Commercial Mortgages-Owner Occupied	665		665		93		1,126		39
	Commercial Mortgage Non-Owner Occupied	73		73		18		74		5
	Commercial Construction	169		695		79		169		-
	Consumer
	Consumer Unsecured	2		2		2		1		-
	Consumer Secured	427		445		255		269		11
	Residential
	Residential Mortgages	151		178		4		425		3
	Residential Consumer Construction	-		-		-		-		-

Totals:
	Commercial	$       1,242		$                1,828		$       112		$         1,731		$            70
	Commercial Real Estate
	Commercial Mortgages-Owner Occupied	3,092		3,204		93		3,849		218
	Commercial Mortgage Non-Owner Occupied	748		763		18		586		35
	Commercial Construction	169		695		79		169		-
	Consumer
	Consumer Unsecured	2		2		2		1		-
	Consumer Secured	706		728		255		418		22
	Residential
	Residential Mortgages	1,731		1,851		4		1,993		66
	Residential Consumer Construction	-		-		-		-		-
		$      7,690		$              9,071		$          563		$       8,747		$          411





Note 5 - Loans and allowance for loan losses (continued)




		Impaired Loans
		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

As of and for the Year Ended December 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		(1,652)		(91)		(246)		(105)		(2,094)
Recoveries		6		41		51		39		137
Provision		718		(321)		413		183		993
Ending Balance		$1,264		$1,738		$1,172		$578		$4,752

Ending Balance: Individually evaluated for impairment		$112		$190		$257		$4		$563

Ending Balance: Collectively evaluated for impairment		1,152		1,548		915		574		4,189


Totals:		$1,264		$1,738		$1,172		$578		$4,752

Loans:

Ending Balance: Individually evaluated for impairment		$1,242		$4,009		$708		$1,731		$7,690

Ending Balance: Collectively evaluated for impairment		94,885		247,798		83,038		62,363		488,084

Totals:		$96,127		$251,807		$83,746		$64,094		$495,774













Note 5 - Loans and allowance for loan losses (continued)





Allowance for Loan Losses and Recorded Investment in Loans

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 December 31, 2017
2017	30-59 Days Past Due	60-89 Days Past Due	Greater than 90 Days	Total Past Due	Current	Total Loans	Recorded Investment > 90 Days & Accruing
Commercial	$320	$     -	$250	$570	$95,557	$96,127	$             -
Commercial Real Estate:
   Commercial Mortgages-Owner Occupied	904	64	177	1,145	92,504	93,649	-
   Commercial Mortgages-Non-Owner Occupied	-	361	299	660	138,101	138,761	-
   Commercial Construction	-	-	169	169	19,228	19,397	-
Consumer:
   Consumer Unsecured	3	-	-	3	6,977	6,980	-
   Consumer Secured	245	139	462	846	75,920	76,766	-
Residential:
   Residential Mortgages	706	414	532	1,652	51,545	53,197	-
   Residential Consumer Construction	-	-	58	58	10,839	10,897	-
Total	$2,178	$978	$1,947	$5,103	$490,671	$495,774	$            -






Age Analysis of Past Due Loans as of December 31, 2016
2016	30-59 Days Past Due	60-89 Days Past Due	Greater than 90 Days	Total Past Due	Current	Total Loans	Recorded Investment > 90 Days & 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

December 31, 2017

2017	Pass	Monitor	Special	Substandard	Doubtful	Totals
			Mention
Commercial	$93,571	$1,217	$4	$1,335	$      -	$96,127
Commercial Real Estate:
Commercial Mortgages-Owner Occupied	83,834	2,926	3,734	3,155	-	93,649
Commercial Mortgages-Non-Owner Occupied	135,855	1,898	152	856	-	138,761
Commercial Construction	18,423	-	805	169	-	19,397
Consumer
Consumer Unsecured	6,978	-	-	2	-	6,980
Consumer Secured	75,774	90	-	902	-	76,766
Residential:
Residential Mortgages	50,816	-	241	2,140	-	53,197
Residential Consumer Construction	10,839	-	-	58	-	10,897

Totals	$476,090	$6,131	$4,936	$8,617	$     -	$495,774









Credit Quality Information - by Class

December 31, 2016

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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