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Loans, Allowance For Loan Losses And OREO (Tables)

6 Months Ended

Jun. 30, 2019

Loans, Allowance For Loan Losses And OREO [Abstract]

Summary Of Loans, Net


	As of:
	June 30,		December 31,
	2019		2018

Commercial	$106,178		$92,877
Commercial real estate	298,163		289,171
Consumer	83,314		86,191
Residential	69,043		66,358

       Total loans (1)	556,698		534,597

Less allowance for loan losses	4,724		4,581

       Net loans	$551,974		$530,016

(1) Includes net deferred costs and premiums of $409 and $457 as of June 30, 2019 and December 31, 2018, respectively.

Loans On Non-Accrual Status


Loans on Non-Accrual Status
(dollars in thousands)
	As of
	June 30, 2019	December 31, 2018
Commercial	$957	$973
Commercial Real Estate:
   Commercial Mortgages-Owner Occupied	421	317
   Commercial Mortgages-Non-Owner Occupied	557	173
   Commercial Construction	-	-
Consumer
   Consumer Unsecured	-	-
   Consumer Secured	54	84
Residential:
   Residential Mortgages	1,496	1,391
   Residential Consumer Construction	-	-

     Totals	$3,485	$2,939



Changes In OREO Balance


OREO Changes
(dollars in thousands)
	Six months ended	Year ended
	June 30, 2019	December 31, 2018
Balance at the beginning of the year (net)	$2,430	$2,650
Transfers from loans	460	850
Capitalized costs	-	-
Valuation adjustments	(115)	(185)
Sales proceeds	(349)	(846)
Loss on disposition	(13)	(39)
Balance at the end of the period (net)	$2,413	$2,430



Impaired Loans


		Impaired Loans
		(dollars in thousands)
		As of and For the Six Months Ended June 30, 2019
				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
2019		Investment		Balance		Allowance		Investment		Recognized
With No Related Allowance Recorded:
Commercial		$1,409		$1,938		$      -		$1,420		$20
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		2,492		2,681		-		2,453		92
   Commercial Mortgage Non-Owner Occupied		557		570		-		344		15
   Commercial Construction		-		-		-		-		-
Consumer
   Consumer Unsecured		-		-		-		-		-
   Consumer Secured		84		84		-		86		3
Residential
   Residential Mortgages		1,928		2,004		-		1,902		39
   Residential Consumer Construction		-		-		-		-		-

With An Allowance Recorded:
Commercial		$9		$9		$9		$20		$  -
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		19		19		19		29		1
   Commercial Mortgage Non-Owner Occupied		16		16		9		53		1
   Commercial Construction		-		-		-		-		-
Consumer
   Consumer Unsecured		-		-		-		1		-
   Consumer Secured		-		-		-		53		-
Residential
   Residential Mortgages		302		319		48		339		7
   Residential Consumer Construction		-		-		-		-		-

Totals:
Commercial		$1,418		$1,947		$9		$1,440		$20
Commercial Real Estate
   Commercial Mortgages-Owner Occupied		2,511		2,700		19		2,482		93
   Commercial Mortgage Non-Owner Occupied		573		586		9		397		16
   Commercial Construction		-		-		-		-		-
Consumer
   Consumer Unsecured		-		-		-		1		-
   Consumer Secured		84		84		-		139		3
Residential
   Residential Mortgages		2,230		2,323		48		2,241		46
   Residential Consumer Construction		-		-		-		-		-
		$6,816		$7,640		$85		$6,700		$178

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


		Impaired Loans
		(dollars in thousands)
		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



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, 2019

				Commercial
2019		Commercial		Real Estate		Consumer		Residential		Total

Allowance for Loan Losses:
Beginning Balance		$1,136		$1,831		$956		$658		$4,581
Charge-offs		(24)		(6)		(168)		(21)		(219)
Recoveries		2		5		26		3		36
Provision		280		(2)		21		27		326
Ending Balance		$1,394		$1,828		$835		$667		$4,724

Ending Balance: Individually evaluated for impairment		$9		$28		$   -		$48		$85

Ending Balance: Collectively evaluated for impairment		1,385		1,800		835		619		4,639


Totals:		$1,394		$1,828		$835		$667		$4,724

Loans:

Ending Balance: Individually evaluated for impairment		$1,418		$3,084		$84		$2,230		$6,816

Ending Balance: Collectively evaluated for impairment		104,760		295,079		83,230		66,813		549,882

Totals:		$106,178		$298,163		$83,314		$69,043		$556,698











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, 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



Age Analysis Of Past Due Financing Receivables


	Age Analysis of Past Due Loans as of
	June 30, 2019
	(dollars in thousands)
			Greater				Recorded Investment
	30-59 Days	60-89 Days	than	Total Past		Total	> 90 Days &
2019	Past Due	Past Due	90 Days	Due	Current	Loans	Accruing
Commercial	$87	$78	$214	$379	$105,799	$106,178	$     -
Commercial Real Estate:
Commercial Mortgages-   Owner Occupied	503	125	289	917	100,339	101,256	-
Commercial Mortgages-Non-Owner Occupied	143	-	431	574	177,122	177,696	-
      Commercial Construction	-	-	-	-	19,211	19,211	-
Consumer:
   Consumer Unsecured	80	1	-	81	8,593	8,674	-
   Consumer Secured	307	47	-	354	74,286	74,640	-
Residential:
   Residential Mortgages	1,721	244	419	2,384	55,209	57,593	-
   Residential Consumer Construction	-	-	-	-	11,450	11,450	-
Total	$2,841	$495	$1,353	$4,689	$552,009	$556,698	$  -




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



Credit Quality Information-By Class




		Credit Quality Information - by Class
		June 30, 2019
		(dollars in thousands)
2019		Pass	Monitor	Special	Substandard	Doubtful	Totals
				Mention
Commercial		$99,842	$270	$4,603	$1,463	$   -	$106,178
Commercial Real Estate:
       Commercial Mortgages-Owner Occupied		89,994	458	8,292	2,512	-	101,256
Commercial Mortgages-Non-Owner Occupied		174,461	2,158	415	662	-	177,696
Commercial Construction		18,921	290	-	-	-	19,211
Consumer
Consumer Unsecured		8,674	-	-	-	-	8,674
Consumer Secured		74,391	53	-	196	-	74,640
Residential:
Residential Mortgages		54,298	893	-	2,402	-	57,593
Residential Consumer Construction		11,309	141	-	-	-	11,450

Totals		$531,890	$4,263	$13,310	$7,235	$   -	$556,698







		Credit Quality Information - by Class
		December 31, 2018
		(dollars in thousands)
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		8,747	-	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



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