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Loans, Allowance For Loan Losses And OREO (Tables)

6 Months Ended

Jun. 30, 2018

Loans, Allowance For Loan Losses And OREO [Abstract]

Summary Of Loans, Net


	As of:
	June 30,		December 31,
	2018		2017

Commercial	$102,618		$96,127
Commercial real estate	278,494		251,807
Consumer	84,195		83,746
Residential	63,111		64,094

       Total loans (1)	528,418		495,774

Less allowance for loan losses	4,688		4,752

       Net loans	$523,730		$491,022

(1) Includes net deferred costs and premiums of $674 and $940 as of June 30, 2018 and December 31, 2017, respectively.

Loans On Non-Accrual Status


Loans on Non-Accrual Status
(dollars in thousands)
	As of
	June 30, 2018	December 31, 2017
Commercial	$763	$727
Commercial Real Estate:
   Commercial Mortgages-Owner Occupied	1,495	1,465
   Commercial Mortgages-Non-Owner Occupied	210	468
   Commercial Construction	30	-
Consumer
   Consumer Unsecured	1	-
   Consumer Secured	390	566
Residential:
   Residential Mortgages	252	1,025
   Residential Consumer Construction	54	58

     Totals	$3,195	$4,309



Changes In OREO Balance


OREO Changes
(dollars in thousands)
	Six months ended	Year ended
	June 30, 2018	December 31, 2017
Balance at the beginning of the year (net)	$2,650	$2,370
Transfers from loans	565	815
Capitalized costs	-	40
Valuation adjustments	(110)	(60)
Sales proceeds	(525)	(514)
Gain (loss) on disposition	5	(1)
Balance at the end of the period (net)	$2,585	$2,650



Impaired Loans


		Impaired Loans
		(dollars in thousands)
		As of and For the Six months Ended June 30, 2018
				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
2018		Investment		Balance		Allowance		Investment		Recognized
With No Related Allowance Recorded:
Commercial		$755		$866		$      -		$840		$7
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		2,308		2,408		-		2,368		72
   Commercial Mortgage Non-Owner Occupied		171		171		-		423		8
   Commercial Construction		30		713		-		15		-
Consumer
   Consumer Unsecured		-		-		-		-		-
   Consumer Secured		160		161		-		220		7
Residential
   Residential Mortgages		1,443		1,513		-		1,512		37
   Residential Consumer Construction		-		-		-		-		-

With An Allowance Recorded:
Commercial		$353		$749		$168		$335		$6
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		508		508		72		587		15
   Commercial Mortgage Non-Owner Occupied		205		205		48		139		6
   Commercial Construction		-		-		-		85		-
Consumer
   Consumer Unsecured		2		2		2		2		-
   Consumer Secured		323		330		132		375		6
Residential
   Residential Mortgages		-		-		-		76		-
   Residential Consumer Construction		-		-		-		-		-

Totals:
Commercial		$1,108		$1,615		$168		$1,175		$13
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		2,816		2,916		72		2,955		87
   Commercial Mortgage Non-Owner Occupied		376		376		48		562		14
   Commercial Construction		30		713		-		100		-
Consumer
   Consumer Unsecured		2		2		2		2		-
   Consumer Secured		483		491		132		595		13
Residential
   Residential Mortgages		1,443		1,513		-		1,588		37
   Residential Consumer Construction		-		-		-		-		-
		$6,258		$7,626		$422		$6,977		$164

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 Six months Ended June 30, 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		(215)		(142)		(186)		(12)		(555)
Recoveries		101		3		50		-		154
Provision		356		105		(130)		6		337
Ending Balance		$1,506		$1,704		$906		$572		$4,688

Ending Balance: Individually evaluated for impairment		$168		$120		$134		$   -		$422

Ending Balance: Collectively evaluated for impairment		1,338		1,584		772		572		4,266


Totals:		$1,506		$1,704		$906		$572		$4,688

Loans:

Ending Balance: Individually evaluated for impairment		$1,108		$3,222		$485		$1,443		$6,258

Ending Balance: Collectively evaluated for impairment		101,510		275,272		83,710		61,668		522,160

Totals:		$102,618		$278,494		$84,195		$63,111		$528,418











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
	June 30, 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	$114	$161	$395	$670	$101,948	$102,618	$     -
Commercial Real Estate:
Commercial Mortgages-   Owner Occupied	493	-	597	1,090	101,027	102,117	-
Commercial Mortgages-Non-Owner Occupied	145	130	-	275	162,660	162,935	-
      Commercial Construction	253	296	30	579	12,863	13,442	-
Consumer:
   Consumer Unsecured	1	1	-	2	7,619	7,621	-
   Consumer Secured	307	101	216	624	75,950	76,574	-
Residential:
   Residential Mortgages	649	127	213	989	54,059	55,048	-
   Residential Consumer Construction	-	-	54	54	8,009	8,063	-
Total	$1,962	$816	$1,505	$4,283	$524,135	$528,418	$  -




	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
		June 30, 2018
		(dollars in thousands)
2018		Pass	Monitor	Special	Substandard	Doubtful	Totals
				Mention
Commercial		$100,317	$723	$382	$1,196	$   -	$102,618
Commercial Real Estate:
Commercial Mortgages-Owner Occupied		92,813	2,799	3,634	2,871	-	102,117
Commercial Mortgages-Non Owner Occupied		159,790	1,577	1,092	476	-	162,935
Commercial Construction		13,412	-	-	30	-	13,442
Consumer
Consumer Unsecured		7,606	-	13	2	-	7,621
Consumer Secured		75,843	66	89	576	-	76,574
Residential:
Residential Mortgages		53,033	-	239	1,776	-	55,048
Residential Consumer Construction		8,009	-	-	54	-	8,063

Totals		$510,823	$5,165	$5,449	$6,981	$   -	$528,418





		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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