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Loans And Allowance For Loan Losses (Tables)

12 Months Ended

Dec. 31, 2019

Loans And Allowance For Loan Losses [Abstract]

Summary Of Loans, Net


		December 31,
		2019			2018

Commercial		$114,257			$92,877
Commercial real estate		303,900			289,171
Consumer		89,945			86,191
Residential		70,001			66,358

               Total loans (1)		578,103			534,597

Less allowance for loan losses		4,829			4,581

               Net loans		$573,274			$530,016



(1) Includes net deferred costs and premiums of $572 and $457, respectively.

Loans On Non-Accrual Status



Loans on Non-Accrual Status


	As of December 31,
	2019	2018
Commercial	$262	$973
Commercial Real Estate:
   Commercial Mortgages-Owner Occupied	262	317
   Commercial Mortgages-Non-Owner Occupied	450	173
   Commercial Construction	-	-
Consumer
   Consumer Unsecured	-	-
   Consumer Secured	47	84
Residential:
   Residential Mortgages	280	1,391
   Residential Consumer Construction	-	-

     Totals	$1,301	$2,939



Impaired Loans

		Impaired Loans
		As of and for the Year Ended December 31, 2019
				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
2019		Investment		Balance		Allowance		Investment		Recognized
With No Related Allowance Recorded:
	Commercial	$       468		$              1,036		$                    -		$         949		$            26
	Commercial Real Estate
	Commercial Mortgages-Owner Occupied	2,467		2,643		-		2,441		183
	Commercial Mortgage Non-Owner Occupied	563		585		-		347		32
	Commercial Construction	-		-		-		-		-
	Consumer
	Consumer Unsecured	-		-		-		-		-
	Consumer Secured	107		107		-		98		7
	Residential
	Residential Mortgages	1,290		1,290		-		1,583		68
	Residential Consumer Construction	-		-		-		-		-

With an Allowance Recorded:
	Commercial	$        7		$        7		$       7		$         19		$            1
	Commercial Real Estate
	Commercial Mortgages-Owner Occupied	12		12		12		26		1
	Commercial Mortgage Non-Owner Occupied	14		14		3		52		1
	Commercial Construction	-		-		-		-		-
	Consumer
	Consumer Unsecured	-		-		-		1		-
	Consumer Secured	-		-		-		53		-
	Residential
	Residential Mortgages	139		158		33		257		4
	Residential Consumer Construction	-		-		-		-		-

Totals:
	Commercial	$       475		$                1,043		$       7		$         968		$            27
	Commercial Real Estate
	Commercial Mortgages-Owner Occupied	2,479		2,655		12		2,467		184
	Commercial Mortgage Non-Owner Occupied	577		599		3		399		33
	Commercial Construction	-		-		-		-		-
	Consumer
	Consumer Unsecured	-		-		-		1		-
	Consumer Secured	107		107		-		151		7
	Residential
	Residential Mortgages	1,429		1,448		33		1,840		72
	Residential Consumer Construction	-		-		-		-		-
		$      5,067		$              5,852		$          55		$       5,826		$          323





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




		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



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, 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		(106)		(26)		(189)		(42)		(363)
Recoveries		35		5		44		4		88
Provision		265		122		54		82		523
Ending Balance		$1,330		$1,932		$865		$702		$4,829

Ending Balance: Individually evaluated for impairment		$7		$15		$     -		$33		$55

Ending Balance: Collectively evaluated for impairment		1,323		1,917		865		669		4,774


Totals:		$1,330		$1,932		$865		$702		$4,829

Loans:

Ending Balance: Individually evaluated for impairment		$475		$3,056		$107		$1,429		$5,067

Ending Balance: Collectively evaluated for impairment		113,782		300,844		89,838		68,572		573,036

Totals:		$114,257		$303,900		$89,945		$70,001		$578,103













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, 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 December 31, 2019
2019	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	$146	$1,084	$116	$1,346	$112,911	$114,257	$             -
Commercial Real Estate:
   Commercial Mortgages-Owner Occupied	234	192	143	569	104,223	104,792	-
   Commercial Mortgages-Non-Owner Occupied	58	9	450	517	181,730	182,247	-
   Commercial Construction	-	-	-	-	16,861	16,861	-
Consumer:
   Consumer Unsecured	52	3	-	55	6,812	6,867	-
   Consumer Secured	316	130	21	467	82,611	83,078	-
Residential:
   Residential Mortgages	595	576	280	1,451	53,833	55,284	-
   Residential Consumer Construction	492	-	-	492	14,225	14,717	-
Total	$1,893	$1,994	$1,010	$4,897	$573,206	$578,103	$            -






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	$            -



Credit Quality Information-By Class

Credit Quality Information - by Class

December 31, 2019

2019	Pass	Monitor	Special	Substandard	Doubtful	Totals
			Mention
Commercial	$108,907	$313	$4,518	$519	$      -	$114,257
Commercial Real Estate:
Commercial Mortgages-Owner Occupied	93,553	446	8,316	2,477	-	104,792
Commercial Mortgages-Non-Owner Occupied	175,471	5,118	994	664	-	182,247
Commercial Construction	16,572	289	-	-	-	16,861
Consumer
Consumer Unsecured	6,867	-	-	-	-	6,867
Consumer Secured	82,860	-	-	218	-	83,078
Residential:
Residential Mortgages	53,714	-	-	1,570	-	55,284
Residential Consumer Construction	14,416	301	-	-	-	14,717

Totals	$552,360	$6,467	$13,828	$5,448	$     -	$578,103









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	8,747	-	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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