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Loans And Allowance For Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2021
Loans, Allowance For Loan Losses And OREO [Abstract] |
Summary Of Loans, Net | As of: September 30, December 31, 2021 2020Commercial$ 116,923 $ 145,145Commercial real estate 327,665 309,563Consumer 92,633 92,344Residential 53,627 62,038 Total loans (1) 590,848 609,090 Less allowance for loan losses 7,276 7,156 Net loans$ 583,572 $ 601,934 (1)Includes net deferred costs (fees) of $38 and ($18) as of September 30, 2021 and December 31, 2020, respectively.
Loans On Non-Accrual Status | As of September 30, 2021 December 31, 2020Commercial$ 293 $ 121Commercial Real Estate: Commercial Mortgages-Owner Occupied 650 940 Commercial Mortgages-Non-Owner Occupied 529 552 Commercial Construction — —Consumer Consumer Unsecured — — Consumer Secured 267 240Residential: Residential Mortgages 165 210 Residential Consumer Construction — — Totals$ 1,904 $ 2,063
Changes In OREO Balance | Nine Months Ended Year Ended September 30, 2021 December 31, 2020Balance at the beginning of the year (net)$ 1,105 $ 2,339Transfers from loans 111 18Capitalized costs — —Valuation adjustments — (437)Sales proceeds (344) (844)Gain (loss) on disposition (66) 29Balance at the end of the period (net)$ 806 $ 1,105
Impaired Loans | Impaired Loans (dollars in thousands) As of and For the Nine Months Ended September 30, 2021 Unpaid Average Interest Recorded Principal Related Recorded Income 2021Investment Balance Allowance Investment RecognizedWith No Related Allowance Recorded: Commercial$ 250 $ 305 $ — $ 296 $ 14Commercial Real Estate Commercial Mortgages-Owner Occupied 1,931 2,294 — 2,037 91 Commercial Mortgage Non-Owner Occupied 494 501 — 567 19 Commercial Construction — — — — —Consumer Consumer Unsecured — — — — — Consumer Secured 60 60 — 202 2Residential Residential Mortgages 1,321 1,394 — 1,334 36 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 173 180 15 87 1Residential Residential Mortgages — — — — — Residential Consumer Construction — — — — — Totals: Commercial$ 250 $ 305 $ — $ 298 $ 14Commercial Real Estate Commercial Mortgages-Owner Occupied 1,931 2,294 — 2,037 91 Commercial Mortgage Non-Owner Occupied 494 501 — 567 19 Commercial Construction — — — — —Consumer Consumer Unsecured — — — — — Consumer Secured 233 240 15 289 3Residential Residential Mortgages 1,321 1,394 — 1,334 36 Residential Consumer Construction — — — — — $ 4,229 $ 4,734 $ 15 $ 4,525 $ 163 ‎ 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 2020Investment Balance Allowance Investment RecognizedWith No Related Allowance Recorded: Commercial$ 341 $ 341 $ — $ 405 $ 30Commercial 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 16Residential 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 $ 30Commercial 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 16Residential 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 Nine Months Ended September 30, 2021 Commercial 2021Commercial Real Estate Consumer Residential TotalAllowance for Credit Losses: Beginning Balance$ 2,001 $ 3,550 $ 868 $ 737 $ 7,156 Charge-Offs (53) — (27) — (80) Recoveries 107 70 22 1 200 Provision (124) 87 (4) 41 —Ending Balance 1,931 3,707 859 779 7,276 Ending Balance: Individually evaluated for impairment — — 15 — 15 Ending Balance: Collectively evaluated for impairment 1,931 3,707 844 779 7,261 Totals:$ 1,931 $ 3,707 $ 859 $ 779 $ 7,276 Financing Receivables: Ending Balance: Individually evaluated for impairment 250 2,425 233 1,321 4,229 Ending Balance: Collectively evaluated for impairment 116,673 325,240 92,400 52,306 586,619 Totals:$ 116,923 $ 327,665 $ 92,633 $ 53,627 $ 590,848 ‎ 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 2020Commercial Real Estate Consumer Residential TotalAllowance 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 2,548Ending 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 September 30, 2021 (dollars in thousands) Greater Recorded Investment 30-59 Days 60-89 Days than Total Past Total > 90 Days &2021Past Due Past Due 90 Days Due Current Loans AccruingCommercial$ 179 $ — $ 103 $ 282 $ 116,641 $ 116,923 $ —Commercial Real Estate: Commercial Mortgages- Owner Occupied 68 — 502 570 122,460 123,030 —Commercial Mortgages-Non-Owner Occupied 98 106 384 588 177,505 178,093 — Commercial Construction — — — — 26,542 26,542 —Consumer: Consumer Unsecured 12 — — 12 4,759 4,771 — Consumer Secured 172 53 258 483 87,379 87,862 —Residential: Residential Mortgages 238 — 165 403 34,291 34,694 — Residential Consumer Construction — — — — 18,933 18,933 —Total$ 767 $ 159 $ 1,412 $ 2,338 $ 588,510 $ 590,848 $ — 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 &2020Past Due Past Due 90 Days Due Current Loans AccruingCommercial$ 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 September 30, 2021 (dollars in thousands)2021 Pass Monitor Special‎Mention Substandard Doubtful TotalsCommercial$ 104,909 $ 4,430 $ 7,294 $ 290 $ — $ 116,923Commercial Real Estate: Commercial Mortgages-Owner Occupied 113,498 3,309 4,265 1,958 — 123,030Commercial Mortgages-Non-Owner Occupied 174,834 2,547 59 653 — 178,093Commercial Construction 26,542 — — — — 26,542Consumer Consumer Unsecured 4,746 — 24 1 — 4,771Consumer Secured 87,474 — — 388 — 87,862Residential: Residential Mortgages 33,248 — — 1,446 — 34,694Residential Consumer Construction 18,933 — — — — 18,933 Totals$ 564,184 $ 10,286 $ 11,642 $ 4,736 $ — $ 590,848 Credit Quality Information - by Class December 31, 2020 (dollars in thousands) 2020Pass Monitor Special‎Mention Substandard Doubtful TotalsCommercial$ 133,075 $ 4,332 $ 7,386 $ 352 $ — $ 145,145Commercial Real Estate: Commercial Mortgages-Owner Occupied 98,623 3,028 4,428 2,143 — 108,222Commercial Mortgages-Non -Owner Occupied 161,300 7,277 1,682 810 — 171,069Commercial Construction 30,272 — — — — 30,272Consumer Consumer Unsecured 3,740 — 30 1 — 3,771Consumer Secured 88,044 — — 529 — 88,573Residential: Residential Mortgages 45,441 — — 1,455 — 46,896Residential Consumer Construction 15,142 — — — — 15,142 Totals$ 575,637 $ 14,637 $ 13,526 $ 5,290 $ — $ 609,090

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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953659-111524 + Details
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- Definition Tabular disclosure of the change in other real estate on properties owned. Excludes real estate assets taken in settlement of troubled loans through surrender or foreclosure by banks. + References No definition available. + Details
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- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682 + Details
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