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Loans, Allowance For Loan Losses And OREO (Tables)

3 Months Ended

Mar. 31, 2018

Loans, Allowance For Loan Losses And OREO [Abstract]

Summary Of Loans, Net


	As of:
	March 31,		December 31,
	2018		2017

Commercial	$96,983		$96,127
Commercial real estate	261,619		251,807
Consumer	85,076		83,746
Residential	62,870		64,094

       Total loans (1)	506,548		495,774

Less allowance for loan losses	4,671		4,752

       Net loans	$501,877		$491,022

(1) Includes net deferred costs and premiums of $764 and $940 as of March 31, 2018 and December 31, 2017, respectively.

Loans On Non-Accrual Status


Loans on Non-Accrual Status
(dollars in thousands)
	As of
	March 31, 2018	December 31, 2017
Commercial	$699	$727
Commercial Real Estate:
   Commercial Mortgages-Owner Occupied	1,308	1,465
   Commercial Mortgages-Non-Owner Occupied	278	468
   Commercial Construction	90	-
Consumer
   Consumer Unsecured	-	-
   Consumer Secured	491	566
Residential:
   Residential Mortgages	623	1,025
   Residential Consumer Construction	56	58

     Totals	$3,545	$4,309



Changes In OREO Balance


OREO Changes
(dollars in thousands)
	Three months ended	Year ended
	March 31, 2018	December 31, 2017
Balance at the beginning of the year (net)	$2,650	$2,370
Transfers from loans	-	815
Capitalized costs	-	40
Valuation adjustments	(34)	(60)
Sales proceeds	(525)	(514)
Gain (loss) on disposition	5	(1)
Balance at the end of the period (net)	$2,096	$2,650



Impaired Loans


		Impaired Loans
		(dollars in thousands)
		As of and For the Three Months Ended March 31, 2018
				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
2018		Investment		Balance		Allowance		Investment		Recognized
With No Related Allowance Recorded:
Commercial		$768		$788		$      -		$847		$8
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		2,340		2,434		-		2,384		30
   Commercial Mortgage Non-Owner Occupied		427		439		-		551		8
   Commercial Construction		-		-		-		-		-
Consumer
   Consumer Unsecured		-		-		-		-		-
   Consumer Secured		398		494		-		339		6
Residential
   Residential Mortgages		1,459		1,538		-		1,520		19
   Residential Consumer Construction		-		-		-		-		-

With An Allowance Recorded:
Commercial		$438		$846		$134		$378		$4
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		517		517		81		591		8
   Commercial Mortgage Non-Owner Occupied		72		72		18		73		1
   Commercial Construction		90		703		1		130		-
Consumer
   Consumer Unsecured		2		2		2		2		-
   Consumer Secured		157		233		112		292		2
Residential
   Residential Mortgages		197		204		35		174		-
   Residential Consumer Construction		-		-		-		-		-

Totals:
Commercial		$1,206		$1,634		$134		$1,225		$12
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		2,857		2,951		81		2,975		38
   Commercial Mortgage Non-Owner Occupied		499		511		18		624		9
   Commercial Construction		90		703		1		130		-
Consumer
   Consumer Unsecured		2		2		2		2		-
   Consumer Secured		555		727		112		631		8
Residential
   Residential Mortgages		1,656		1,742		35		1,694		19
   Residential Consumer Construction		-		-		-		-		-
		$6,865		$8,270		$383		$7,281		$86

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


		Impaired Loans
		(dollars in thousands)
		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



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, 2018

				Commercial
2018		Commercial		Real Estate		Consumer		Residential		Total

Allowance for Loan Losses:
Beginning Balance		$1,264		$1,738		$1,172		$578		$4,752
Charge-offs		(13)		(82)		(145)		-		(240)
Recoveries		98		-		39		-		137
Provision		56		(72)		(3)		41		22
Ending Balance		$1,405		$1,584		$1,063		$619		$4,671

Ending Balance: Individually evaluated for impairment		$134		$100		$114		$35		$383

Ending Balance: Collectively evaluated for impairment		1,271		1,484		949		584		4,288


Totals:		$1,405		$1,584		$1,063		$619		$4,671

Loans:

Ending Balance: Individually evaluated for impairment		$1,206		$3,446		$557		$1,656		$6,865

Ending Balance: Collectively evaluated for impairment		95,777		258,173		84,519		61,214		499,683

Totals:		$96,983		$261,619		$85,076		$62,870		$506,548











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, 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



Age Analysis Of Past Due Financing Receivables


	Age Analysis of Past Due Loans as of
	March 31, 2018
	(dollars in thousands)
			Greater				Recorded Investment
	30-59 Days	60-89 Days	than	Total Past		Total	> 90 Days &
2018	Past Due	Past Due	90 Days	Due	Current	Loans	Accruing
Commercial	$294	$250	$457	$1,001	$95,982	$96,983	$     -
Commercial Real Estate:
Commercial Mortgages-   Owner Occupied	705	-	226	931	102,001	102,932	-
Commercial Mortgages-Non-Owner Occupied	205	174	60	439	147,674	148,113	-
      Commercial Construction	-	-	90	90	10,484	10,574	-
Consumer:
   Consumer Unsecured	6	-	-	6	7,323	7,329	-
   Consumer Secured	376	229	174	779	76,968	77,747	-
Residential:
   Residential Mortgages	1,951	233	435	2,619	50,837	53,456	-
   Residential Consumer Construction	-	-	56	56	9,358	9,414	-
Total	$3,537	$886	$1,498	$5,921	$500,627	$506,548	$  -




	Age Analysis of Past Due Loans as of
	December 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	$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	$    -



Credit Quality Information-By Class



		Credit Quality Information - by Class
		March 31, 2018
		(dollars in thousands)
2018		Pass	Monitor	Special	Substandard	Doubtful	Totals
				Mention
Commercial		$94,358	$845	$483	$1,297	$   -	$96,983
Commercial Real Estate:
Commercial Mortgages-Owner Occupied		93,507	2,846	3,667	2,912	-	102,932
Commercial Mortgages-Non Owner Occupied		145,009	1,589	911	604	-	148,113
Commercial Construction		10,294	-	190	90	-	10,574
Consumer
Consumer Unsecured		7,317	-	10	2	-	7,329
Consumer Secured		77,005	-	-	742	-	77,747
Residential:
Residential Mortgages		51,158	-	240	2,058	-	53,456
Residential Consumer Construction		9,358	-	-	56	-	9,414

Totals		$488,006	$5,280	$5,501	$7,761	$   -	$506,548





		Credit Quality Information - by Class
		December 31, 2017
		(dollars in thousands)
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



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