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Loans And Allowance For Loan Losses (Tables)

6 Months Ended

Jun. 30, 2021

Loans, Allowance For Loan Losses And OREO [Abstract]

Summary Of Loans, Net

	As of:
	June 30,			December 31,
	2021			2020
Commercial	$	133,626		$	145,145
Commercial real estate		326,552			309,563
Consumer		88,905			92,344
Residential		53,301			62,038
Total loans (1)		602,384			609,090
Less allowance for loan losses		7,212			7,156
Net loans	$	595,172		$	601,934

(1)Includes net deferred (fees) of ($532) and ($18) as of June 30, 2021 and December 31, 2020, respectively.

Loans On Non-Accrual Status

	As of
	June 30, 2021			December 31, 2020
Commercial	$	114		$	121
Commercial Real Estate:
Commercial Mortgages-Owner Occupied		764			940
Commercial Mortgages-Non-Owner Occupied		658			552
Commercial Construction		—			—
Consumer
Consumer Unsecured		—			—
Consumer Secured		237			240
Residential:
Residential Mortgages		212			210
Residential Consumer Construction		—			—
Totals	$	1,985		$	2,063

Changes In OREO Balance

	Six Months Ended			Year Ended
	June 30, 2021			December 31, 2020
Balance at the beginning of the year (net)	$	1,105		$	2,339
Transfers from loans		66			18
Capitalized costs		—			—
Valuation adjustments		—			(437)
Sales proceeds		(344)			(844)
Gain (loss) on disposition		(66)			29
Balance at the end of the period (net)	$	761		$	1,105

Impaired Loans

	Impaired Loans
	(dollars in thousands)
	As of and For the Six Months Ended June 30, 2021
				Unpaid						Average			Interest
	Recorded			Principal			Related			Recorded			Income
2021	Investment			Balance			Allowance			Investment			Recognized
With No Related Allowance Recorded:
Commercial	$	256		$	306		$	—		$	299		$	11
Commercial Real Estate
Commercial Mortgages-Owner Occupied		1,951			2,300			—			2,047			69
Commercial Mortgage Non-Owner Occupied		624			682			—			632			13
Commercial Construction		—			—			—			—			—
Consumer
Consumer Unsecured		—			—			—			—			—
Consumer Secured		222			222			—			283			7
Residential
Residential Mortgages		1,332			1,402			—			1,340			24
Residential Consumer Construction		—			—			—			—			—
With an Allowance Recorded:
Commercial	$	—		$	—		$	—		$	2		$	—
Commercial Real Estate
Commercial Mortgages-Owner Occupied		—			—			—			—			—
Commercial Mortgage Non-Owner Occupied		—			—			—			—			—
Commercial Construction		—			—			—			—			—
Consumer
Consumer Unsecured		—			—			—			—			—
Consumer Secured		177			181			19			89			1
Residential
Residential Mortgages		—			—			—			—			—
Residential Consumer Construction		—			—			—			—			—
Totals:
Commercial	$	256		$	306		$	—		$	301		$	11
Commercial Real Estate
Commercial Mortgages-Owner Occupied		1,951			2,300			—			2,047			69
Commercial Mortgage Non-Owner Occupied		624			682			—			632			13
Commercial Construction		—			—			—			—			—
Consumer
Consumer Unsecured		—			—			—			—			—
Consumer Secured		399			403			19			372			8
Residential
Residential Mortgages		1,332			1,402			—			1,340			24
Residential Consumer Construction		—			—			—			—			—
	$	4,562		$	5,093		$	19		$	4,692		$	125

‎

Note 8 – Loans, allowance for loan losses and OREO (continued)

	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

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, 2021
				Commercial
2021	Commercial			Real Estate			Consumer			Residential			Total
Allowance for Credit Losses:
Beginning Balance	$	2,001		$	3,550		$	868		$	737		$	7,156
Charge-Offs		(52)			—			(12)			—			(64)
Recoveries		102			5			12			1			120
Provision		48			10			(45)			(13)			—
Ending Balance		2,099			3,565			823			725			7,212
Ending Balance: Individually evaluated for impairment		—			—			19			—			19
Ending Balance: Collectively evaluated for impairment		2,099			3,565			804			725			7,193
Totals:	$	2,099		$	3,565		$	823		$	725		$	7,212
Financing Receivables:
Ending Balance: Individually evaluated for impairment		256			2,575			399			1,332			4,562
Ending Balance: Collectively evaluated for impairment		133,370			323,977			88,506			51,969			597,822
Totals:	$	133,626		$	326,552		$	88,905		$	53,301		$	602,384

‎

Note 8 – 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, 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

Age Analysis Of Past Due Financing Receivables

	Age Analysis of Past Due Loans as of
	June 30, 2021
	(dollars in thousands)
							Greater												Recorded Investment
	30-59 Days			60-89 Days			than			Total Past						Total			> 90 Days &
2021	Past Due			Past Due			90 Days			Due			Current			Loans			Accruing
Commercial	$	—		$	—		$	—		$	—		$	133,626		$	133,626		$	—
Commercial Real Estate:
Commercial Mortgages- Owner Occupied		159			—			502			661			117,187			117,848			—
Commercial Mortgages-Non-Owner Occupied		—			—			618			618			177,332			177,950			—
Commercial Construction		—			—			—			—			30,754			30,754			—
Consumer:
Consumer Unsecured		1			1			—			2			5,080			5,082			—
Consumer Secured		222			11			226			459			83,364			83,823			—
Residential:
Residential Mortgages		239			—			212			451			37,145			37,596			—
Residential Consumer Construction		231			—			—			231			15,474			15,705			—
Total	$	852		$	12		$	1,558		$	2,422		$	599,962		$	602,384		$	—

		Age Analysis of Past Due Loans as of
		December 31, 2020
	(dollars in thousands)
							Greater												Recorded Investment
	30-59 Days			60-89 Days			than			Total Past						Total			> 90 Days &
2020	Past Due			Past Due			90 Days			Due			Current			Loans			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		$	—

Credit Quality Information-By Class

	Credit Quality Information - by Class
	June 30, 2021
	(dollars in thousands)
2021		Pass			Monitor			Special ‎Mention			Substandard			Doubtful			Totals
Commercial	$	121,109		$	4,310		$	7,910		$	297		$	—		$	133,626
Commercial Real Estate:
Commercial Mortgages-Owner Occupied		108,103			3,361			4,405			1,979			—			117,848
Commercial Mortgages-Non-Owner Occupied		169,953			7,150			61			786			—			177,950
Commercial Construction		30,754			—			—			—			—			30,754
Consumer
Consumer Unsecured		5,056			—			25			1			—			5,082
Consumer Secured		83,301			—			—			522			—			83,823
Residential:
Residential Mortgages		36,092			—			—			1,504			—			37,596
Residential Consumer Construction		15,705			—			—			—			—			15,705
Totals	$	570,073		$	14,821		$	12,401		$	5,089		$	—		$	602,384

	Credit Quality Information - by Class
	December 31, 2020
	(dollars in thousands)
2020	Pass			Monitor			Special ‎Mention			Substandard			Doubtful			Totals
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

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