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Loans And Allowance For Loan Losses (Tables)

12 Months Ended

Dec. 31, 2020

Loans And Allowance For Loan Losses [Abstract]

Summary Of Loans, Net


		December 31,
		2020			2019

Commercial		$145,145			$114,257
Commercial real estate		309,563			303,900
Consumer		92,344			89,945
Residential		62,038			70,001

               Total loans (1)		609,090			578,103

Less allowance for loan losses		7,156			4,829

               Net loans		$601,934			$573,274



(1) Includes net deferred (fees) and costs/premiums of ($18) and $572 as of December 31, 2020 and 2019, respectively.

Loans On Non-Accrual Status



Loans on Non-Accrual Status


	As of December 31,
	2020	2019
Commercial	$121	$262
Commercial Real Estate:
   Commercial Mortgages-Owner Occupied	940	262
   Commercial Mortgages-Non-Owner Occupied	552	450
   Commercial Construction	-	-
Consumer
   Consumer Unsecured	-	-
   Consumer Secured	240	47
Residential:
   Residential Mortgages	210	280
   Residential Consumer Construction	-	-

     Totals	$2,063	$1,301



Impaired Loans





		Impaired Loans
		(dollars in thousands)
		As of and For the Year Ended December 31, 2020
				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
2020		Investment		Balance		Allowance		Investment		Recognized
With No Related Allowance Recorded:
	Commercial	$                  341		$                  341		$                    -		$            405		$               30
	Commercial Real Estate
	Commercial Mortgages-Owner Occupied	2,143		2,496		-		2,305		135
	Commercial Mortgage Non-Owner Occupied	639		677		-		601		43
	Commercial Construction	-		-		-		-		-
	Consumer
	Consumer Unsecured	-		-		-		-		-
	Consumer Secured	343		346		-		225		16
	Residential
	Residential Mortgages	1,347		1,415		-		1,319		62
	Residential Consumer Construction	-		-		-		-		-

With an Allowance Recorded:
	Commercial	$                      4		$                      4		$                    4		$                6		$                  -
	Commercial Real Estate
	Commercial Mortgages-Owner Occupied	-		-		-		6		-
	Commercial Mortgage Non-Owner Occupied	-		-		-		7		-
	Commercial Construction	-		-		-		-		-
	Consumer
	Consumer Unsecured	-		-		-		-		-
	Consumer Secured	-		-		-		-		-
	Residential
	Residential Mortgages	-		-		-		70		-
	Residential Consumer Construction	-		-		-		-		-

Totals:
	Commercial	$                  345		$                  345		$                    4		$            411		$               30
	Commercial Real Estate
	Commercial Mortgages-Owner Occupied	2,143		2,496		-		2,311		135
	Commercial Mortgage Non-Owner Occupied	639		677		-		608		43
	Commercial Construction	-		-		-		-		-
	Consumer
	Consumer Unsecured	-		-		-		-		-
	Consumer Secured	343		346		-		225		16
	Residential
	Residential Mortgages	1,347		1,415		-		1,389		62
	Residential Consumer Construction	-		-		-		-		-
		$               4,817		$               5,279		$                    4		$         4,944		$             286







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







		Impaired Loans
		(dollars in thousands)
		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



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 Year Ended December 31, 2020

			Commercial
2020	Commercial		Real Estate		Consumer		Residential		Total

Allowance for Credit Losses:

Beginning Balance	$          1,330		$                 1,932		$            865		$              702		$         4,829
     Charge-Offs	(96)		(224)		(75)		(53)		(448)
     Recoveries	20		139		53		15		227
     Provision	747		1,703		25		73		2,548
Ending Balance	2,001		3,550		868		737		7,156

Ending Balance: Individually evaluated for impairment	4		-		-		-		4

Ending Balance: Collectively evaluated for impairment	1,997		3,550		868		737		7,152

Totals:	$          2,001		$                 3,550		$            868		$              737		$         7,156

Financing Receivables:
Ending Balance: Individually evaluated for impairment	345		2,782		343		1,347		4,817

Ending Balance: Collectively evaluated for impairment	144,800		306,781		92,001		60,691		604,273

Totals:	$      145,145		$             309,563		$       92,344		$         62,038		$     609,090









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







	Allowance for Loan Losses and Recorded Investment in Loans
	(dollars in thousands)
	As of and For the Year Ended December 31, 2019

			Commercial
2019	Commercial		Real Estate		Consumer		Residential		Total

Allowance for Credit 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

Financing Receivables:
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



Age Analysis Of Past Due Financing Receivables


Age Analysis of Past Due Loans as of December 31, 2020
2020	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	$157	$     -	$     -	$157	$144,988	$145,145	$             -
Commercial Real Estate:
   Commercial Mortgages-Owner Occupied	38	-	842	880	107,342	108,222	-
   Commercial Mortgages-Non-Owner Occupied	252	116	394	762	170,307	171,069	-
   Commercial Construction	-	-	-	-	30,272	30,272	-
Consumer:
   Consumer Unsecured	7	-	-	7	3,764	3,771	-
   Consumer Secured	309	27	229	565	88,008	88,573	-
Residential:
   Residential Mortgages	575	243	210	1,028	45,868	46,896	-
   Residential Consumer Construction	-	-	-	-	15,142	15,142	-
Total	$1,338	$386	$1,675	$3,399	$605,691	$609,090	$            -






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	$            -



Credit Quality Information-By Class

Credit Quality Information - by Class

December 31, 2020

2020	Pass	Monitor	Special	Substandard	Doubtful	Totals
			Mention
Commercial	$133,075	$4,332	$7,386	$352	$      -	$145,145
Commercial Real Estate:
Commercial Mortgages-Owner Occupied	98,623	3,028	4,428	2,143	-	108,222
Commercial Mortgages-Non-Owner Occupied	161,300	7,277	1,682	810	-	171,069
Commercial Construction	30,272	-	-	-	-	30,272
Consumer
Consumer Unsecured	3,740	-	30	1	-	3,771
Consumer Secured	88,044	-	-	529	-	88,573
Residential:
Residential Mortgages	45,441	-	-	1,455	-	46,896
Residential Consumer Construction	15,142	-	-	-	-	15,142

Totals	$575,637	$14,637	$13,526	$5,290	$     -	$609,090









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



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