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Loans And Allowance For Loan Losses (Tables)
12 Months Ended
Dec. 31, 2021
Loans and allowance for loan losses [Abstract]  
Summary Of Loans, Net December 31, 2021 2020 Commercial$ 105,067 $ 145,145Commercial real estate 338,149 309,563Consumer 89,102 92,344Residential 51,066 62,038 Total loans (1) 583,384 609,090 Less allowance for loan losses 6,915 7,156 Net loans$ 576,469 $ 601,934 (1)Includes net deferred (fees) and costs/premiums of $372 and $(18) as of December 31, 2021 and 2020, respectively.
Loans On Non-Accrual Status Loans on Non-Accrual Status As of December 31, 2021 2020Commercial$ 25 $ 121Commercial Real Estate: Commercial Mortgages-Owner Occupied 501 940Commercial Mortgages-Non-Owner Occupied 138 552Commercial Construction — —Consumer Consumer Unsecured — —Consumer Secured 127 240Residential: Residential Mortgages 163 210Residential Consumer Construction — — Totals$ 954 $ 2,063
Impaired Loans Impaired Loans (dollars in thousands) As of and For the Year Ended December 31, 2021 Unpaid Average Interest Recorded Principal Related Recorded Income Investment Balance Allowance Investment Recognized With No Related Allowance Recorded: Commercial$ 17  $ 67  $ - $ 179  $ 5  Commercial Real Estate Commercial Mortgages-Owner Occupied 2,592  2,971  - 2,368  154  Commercial Mortgage Non-Owner Occupied 102  102  - 371  13  Commercial Construction - - - - - Consumer Consumer Unsecured - - - - - Consumer Secured 59  60  - 201  2  Residential Residential Mortgages 1,316  1,390  - 1,332  47  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 - - - - - Residential Residential Mortgages - - - - - Residential Consumer Construction - - - - - Totals: Commercial$ 17  $ 67  $ - $ 181  $ 5  Commercial Real Estate Commercial Mortgages-Owner Occupied 2,592  2,971  - 2,368  154  Commercial Mortgage Non-Owner Occupied 102  102  - 371  13  Commercial Construction - - - - - Consumer Consumer Unsecured - - - - - Consumer Secured 59  60  - 201  2  Residential Residential Mortgages 1,316  1,390  - 1,332  47  Residential Consumer Construction - - - - - $ 4,086  $ 4,590  $ - $ 4,453  $ 221  ‎ Note 5 - Loans and allowance for loan losses (continued) Impaired Loans (dollars in thousands) As of and For the Year Ended December 31, 2020 Unpaid Average Interest Recorded Principal Related Recorded Income Investment Balance Allowance Investment RecognizedWith 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 Year Ended December 31, 2021 Commercial 2021Commercial Real Estate Consumer Residential Total Allowance for Loan Losses: Beginning Balance$ 2,001 $ 3,550 $ 868 $ 737 $ 7,156Charge-Offs (53) - (38) - (91)Recoveries 112 72 29 137 350Provision (recovery) (589) 15 1 73 (500)Ending Balance 1,471 3,637 860 947 6,915 Ending Balance: Individually evaluated for impairment - - - - - Ending Balance: Collectively evaluated for impairment 1,471 3,637 860 947 6,915 Totals:$ 1,471 $ 3,637 $ 860 $ 947 $ 6,915 Financing Receivables: Ending Balance: Individually evaluated for impairment 17 2,694 59 1,316 4,086 Ending Balance: Collectively evaluated for impairment 105,050 335,455 89,043 49,750 579,298 Totals:$ 105,067 $ 338,149 $ 89,102 $ 51,066 $ 583,384 ‎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, 2020 Commercial 2020Commercial Real Estate Consumer Residential Total Allowance for Loan Losses: Beginning Balance$ 1,330 $ 1,932 $ 865 $ 702 $ 4,829Charge-Offs (96) (224) (75) (53) (448)Recoveries 20 139 53 15 227Provision 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 December 31, 2021 Recorded Greater Investment2021 30-59 Days 60-89 Days than Total Past Total > 90 Days & Past Due Past Due 90 Days Due Current Loans AccruingCommercial$ — $ 1 $ 25 $ 26 $ 105,041 $ 105,067 $ —Commercial Real Estate: Commercial Mortgages-Owner Occupied 464 — 501 965 127,869 128,834 —Commercial Mortgages-Non-Owner Occupied 1,310 — — 1,310 177,803 179,113 —Commercial Construction — — — — 30,202 30,202 —Consumer: Consumer Unsecured 8 1 — 9 2,596 2,605 —Consumer Secured 111 3 118 232 86,265 86,497 —Residential: Residential Mortgages 948 — 163 1,111 30,814 31,925 —Residential Consumer Construction — — — — 19,141 19,141 —Total$ 2,841 $ 5 $ 807 $ 3,653 $ 579,731 $ 583,384 $ — Age Analysis of Past Due Loans as of December 31, 2020 Recorded2020 Investment 30-59 Days 60-89 Days Greater than Total Past Total > 90 Days & Past 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 ClassDecember 31, 20212021 Pass Monitor Special Substandard Doubtful Totals Mention Commercial$ 92,789 $ 7,965 $ 4,262 $ 51 $ — $ 105,067Commercial Real Estate: Commercial Mortgages-Owner Occupied 116,098 5,986 4,130 2,620 — 128,834Commercial Mortgages-Non-Owner Occupied 176,291 2,506 — 316 — 179,113Commercial Construction 30,202 — — — — 30,202Consumer Consumer Unsecured 2,581 — 23 1 — 2,605Consumer Secured 86,265 — — 232 — 86,497Residential: Residential Mortgages 30,486 — — 1,439 — 31,925Residential Consumer Construction 19,141 — — — — 19,141 Totals$ 553,853 $ 16,457 $ 8,415 $ 4,659 $ — $ 583,384 Credit Quality Information - by ClassDecember 31, 20202020 Pass Monitor Special Substandard Doubtful Totals Mention Commercial$ 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