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Loans And Allowance For Loan Losses (Tables)

12 Months Ended

Dec. 31, 2018

Loans And Allowance For Loan Losses [Abstract]

Summary Of Loans, Net


		December 31,
		2018			2017

Commercial		$92,877			$96,127
Commercial real estate		289,171			251,807
Consumer		86,191			83,746
Residential		66,358			64,094

               Total loans (1)		534,597			495,774

Less allowance for loan losses		4,581			4,752

               Net loans		$530,016			$491,022



(1) Includes net deferred costs and premiums of $457 and $940, respectively.

Loans On Non-Accrual Status



Loans on Non-Accrual Status


	As of December 31,
	2018	2017
Commercial	$973	$727
Commercial Real Estate:
   Commercial Mortgages-Owner Occupied	317	1,465
   Commercial Mortgages-Non-Owner Occupied	173	468
   Commercial Construction	-	-
Consumer
   Consumer Unsecured	-	-
   Consumer Secured	84	566
Residential:
   Residential Mortgages	1,391	1,025
   Residential Consumer Construction	-	58

     Totals	$2,939	$4,309



Impaired Loans

		Impaired Loans
		As of and for the Year Ended December 31, 2018
				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
2018		Investment		Balance		Allowance		Investment		Recognized
With No Related Allowance Recorded:
	Commercial	$       1,430		$              1,922		$                    -		$         1,178		$            24
	Commercial Real Estate
	Commercial Mortgages-Owner Occupied	2,414		2,511		-		2,421		167
	Commercial Mortgage Non-Owner Occupied	131		132		-		403		8
	Commercial Construction	-		-		-		-		-
	Consumer
	Consumer Unsecured	-		-		-		-		-
	Consumer Secured	88		88		-		184		6
	Residential
	Residential Mortgages	1,876		1,953		-		1,728		89
	Residential Consumer Construction	-		-		-		-		-

With an Allowance Recorded:
	Commercial	$        31		$                   31		$       15		$         174		$            3
	Commercial Real Estate
	Commercial Mortgages-Owner Occupied	39		132		36		352		3
	Commercial Mortgage Non-Owner Occupied	90		90		20		82		6
	Commercial Construction	-		-		-		85		-
	Consumer
	Consumer Unsecured	1		1		1		2		-
	Consumer Secured	105		105		105		266		7
	Residential
	Residential Mortgages	375		390		61		263		11
	Residential Consumer Construction	-		-		-		-		-

Totals:
	Commercial	$       1,461		$                1,953		$       15		$         1,352		$            27
	Commercial Real Estate
	Commercial Mortgages-Owner Occupied	2,453		2,643		36		2,773		170
	Commercial Mortgage Non-Owner Occupied	221		222		20		485		14
	Commercial Construction	-		-		-		85		-
	Consumer
	Consumer Unsecured	1		1		1		2		-
	Consumer Secured	193		193		105		450		13
	Residential
	Residential Mortgages	2,251		2,343		61		1,991		100
	Residential Consumer Construction	-		-		-		-		-
		$      6,580		$              7,355		$          238		$       7,138		$          324





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




		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



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, 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		(395)		(230)		(405)		(34)		(1,064)
Recoveries		113		4		60		-		177
Provision		154		319		129		114		716
Ending Balance		$1,136		$1,831		$956		$658		$4,581

Ending Balance: Individually evaluated for impairment		$15		$56		$106		$61		$238

Ending Balance: Collectively evaluated for impairment		1,121		1,775		850		597		4,343


Totals:		$1,136		$1,831		$956		$658		$4,581

Loans:

Ending Balance: Individually evaluated for impairment		$1,461		$2,674		$194		$2,251		$6,580

Ending Balance: Collectively evaluated for impairment		91,416		286,497		85,997		64,107		528,017

Totals:		$92,877		$289,171		$86,191		$66,358		$534,597













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, 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 December 31, 2018
2018	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	$54	$56	$220	$330	$92,547	$92,877	$             -
Commercial Real Estate:
   Commercial Mortgages-Owner Occupied	209	-	307	516	97,910	98,426	-
   Commercial Mortgages-Non-Owner Occupied	149	468	-	617	174,657	175,274	-
   Commercial Construction	-	-	-	-	15,471	15,471	-
Consumer:
   Consumer Unsecured	8	1	-	9	8,745	8,754	-
   Consumer Secured	369	44	-	413	77,024	77,437	-
Residential:
   Residential Mortgages	882	164	567	1,613	56,559	58,172	-
   Residential Consumer Construction	-	-	-	-	8,186	8,186	-
Total	$1,671	$733	$1,094	$3,498	$531,099	$534,597	$            -






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	$            -



Credit Quality Information-By Class

Credit Quality Information - by Class

December 31, 2018

2018	Pass	Monitor	Special	Substandard	Doubtful	Totals
			Mention
Commercial	$90,142	$818	$374	$1,543	$      -	$92,877
Commercial Real Estate:
Commercial Mortgages-Owner Occupied	90,995	1,461	3,517	2,453	-	98,426
Commercial Mortgages-Non-Owner Occupied	172,342	2,285	332	315	-	175,274
Commercial Construction	14,892	579	-	-	-	15,471
Consumer
Consumer Unsecured	8,74	-	6	1	-	8,754
Consumer Secured	77,092	-	88	257	-	77,437
Residential:
Residential Mortgages	55,336	334	-	2,502	-	58,172
Residential Consumer Construction	8,186	-	-	-	-	8,186

Totals	$517,732	$5,477	$4,317	$7,071	$     -	$534,597









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



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