Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2016

Allowance for Loan Losses [Abstract]

Allowance for Credit Losses on Financing Receivables [Table Text Block]

The following tables summarize the rollforward of the allowance for loan losses by portfolio segment for the three and six month periods ending June 30, 2016 and 2015 (in thousands).


	Three months ended June 30, 2016,
	Balance at March 31, 2016		Charge-Offs			Recoveries		Provision (Credit)			Balance at June 30, 2016
Commercial	$	3,567	$	(14	)	$	4	$	765		$	4,322
Commercial loans secured by real estate		3,706		—			8		(440	)		3,274
Real estate – mortgage		1,157		(8	)		20		(94	)		1,075
Consumer		145		(40	)		6		24			135
Allocation for general risk		945		—			—		(5	)		940
Total	$	9,520	$	(62	)	$	38	$	250		$	9,746


	Three months ended June 30, 2015,
	Balance at March 31, 2015		Charge-Offs			Recoveries		Provision (Credit)			Balance at June 30, 2015
Commercial	$	3,157	$	—		$	8	$	6		$	3,171
Commercial loans secured by real estate		4,087		(15	)		9		59			4,140
Real estate – mortgage		1,304		(188	)		25		180			1,321
Consumer		191		(16	)		5		21			201
Allocation for general risk		950		—			—		(66	)		884
Total	$	9,689	$	(219	)	$	47	$	200		$	9,717


	Six months ended June 30, 2016,
	Balance at December 31, 2015		Charge-Offs			Recoveries		Provision (Credit)			Balance at June 30, 2016
Commercial	$	4,244	$	(3,353	)	$	11	$	3,420		$	4,322
Commercial loans secured by real estate		3,449		—			36		(211	)		3,274
Real estate – mortgage		1,173		(46	)		62		(114	)		1,075
Consumer		151		(245	)		10		219			135
Allocation for general risk		904		—			—		36			940
Total	$	9,921	$	(3,644	)	$	119	$	3,350		$	9,746


	Six months ended June 30, 2015,
	Balance at December 31, 2014		Charge-Offs			Recoveries		Provision (Credit)			Balance at June 30, 2015
Commercial	$	3,262	$	(121	)	$	14	$	16		$	3,171
Commercial loans secured by real estate		3,902		(15	)		51		202			4,140
Real estate – mortgage		1,310		(291	)		55		247			1,321
Consumer		190		(63	)		14		60			201
Allocation for general risk		959		—			—		(75	)		884
Total	$	9,623	$	(490	)	$	134	$	450		$	9,717

Schedule of Primary Segments of Loan Portfolio [Table Text Block]

The following tables summarize the loan portfolio and allowance for loan loss by the primary segments of the loan portfolio (in thousands).


	At June 30, 2016
	Commercial		Commercial Loans Secured by Real Estate		Real Estate- Mortgage		Consumer		Allocation for General Risk		Total
Loans:
Individually evaluated for impairment	$	986	$	341	$	—	$	—			$	1,327
Collectively evaluated for impairment		184,554		438,486		248,709		19,297				891,046
Total loans	$	185,540	$	438,827	$	248,709	$	19,297			$	892,373
Allowance for loan losses:
Specific reserve allocation	$	705	$	32	$	—	$	—	$	—	$	737
General reserve allocation		3,617		3,242		1,075		135		940		9,009
Total allowance for loan losses	$	4,322	$	3,274	$	1,075	$	135	$	940	$	9,746


	At December 31, 2015
	Commercial		Commercial Loans Secured by Real Estate		Real Estate- Mortgage		Consumer		Allocation for General Risk		Total
Loans:
Individually evaluated for impairment	$	4,416	$	86	$	—	$	—			$	4,502
Collectively evaluated for impairment		176,650		421,551		257,937		20,344				876,482
Total loans	$	181,066	$	421,637	$	257,937	$	20,344			$	880,984
Allowance for loan losses:
Specific reserve allocation	$	1,387	$	—	$	—	$	—	$	—	$	1,387
General reserve allocation		2,857		3,449		1,173		151		904		8,534
Total allowance for loan losses	$	4,244	$	3,449	$	1,173	$	151	$	904	$	9,921

Impaired Financing Receivables [Table Text Block]

The following tables present impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary (in thousands).


	June 30, 2016
	Impaired Loans with Specific Allowance				Impaired Loans with no Specific Allowance		Total Impaired Loans
	Recorded Investment		Related Allowance		Recorded Investment		Recorded Investment		Unpaid Principal Balance
Commercial	$	739	$	705	$	247	$	986	$	991
Commercial loans secured by real estate		171		32		170		341		761
Total impaired loans	$	910	$	737	$	417	$	1,327	$	1,752


	December 31, 2015
	Impaired Loans with Specific Allowance				Impaired Loans with no Specific Allowance		Total Impaired Loans
	Recorded Investment		Related Allowance		Recorded Investment		Recorded Investment		Unpaid Principal Balance
Commercial	$	4,416	$	1,387	$	—	$	4,416	$	4,421
Commercial loans secured by real estate		—		—		86		86		522
Total impaired loans	$	4,416	$	1,387	$	86	$	4,502	$	4,943

Schedule of Average Recorded Investment in Impaired Loans and Related Interest Income Recognized [Table Text Block]

The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated (in thousands).


	Three months ended June 30,				Six months ended June 30,
	2016		2015		2016		2015
Average loan balance:
Commercial	$	1,020	$	200	$	1,103	$	110
Commercial loans secured by real estate		352		1,509		523		1,891
Average investment in impaired loans	$	1,372	$	1,729	$	1,626	$	2,001
Interest income recognized:
Commercial	$	4	$	10	$	8	$	11
Commercial loans secured by real estate		3		5		8		11
Interest income recognized on a cash basis on impaired loans	$	7	$	15	$	16	$	22

Financing Receivable Credit Quality Indicators [Table Text Block]

The following table presents the classes of the commercial and commercial real estate loan portfolios summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system (in thousands).


	June 30, 2016
	Pass		Special Mention		Substandard		Doubtful		Total
Commercial	$	182,450	$	190	$	2,196	$	704	$	185,540
Commercial loans secured by real estate		430,135		7,375		1,300		17		438,827
Total	$	612,585	$	7,565	$	3,496	$	721	$	624,367


	December 31, 2015
	Pass		Special Mention		Substandard		Doubtful		Total
Commercial	$	174,616	$	1,811	$	3,318	$	1,321	$	181,066
Commercial loans secured by real estate		416,331		3,100		2,188		18		421,637
Total	$	590,947	$	4,911	$	5,506	$	1,339	$	602,703

Schedule of Financing Receivable Performing and Nonperforming [Table Text Block]

The following tables present the Performing and non-performing outstanding balances of the residential and consumer portfolios (in thousands).


	June 30, 2016
	Performing		Non-Performing
Real estate – mortgage	$	247,832	$	877
Consumer		19,297		—
Total	$	267,129	$	877


	December 31, 2015
	Performing		Non-Performing
Real estate – mortgage	$	256,149	$	1,788
Consumer		20,344		—
Total	$	276,493	$	1,788

Classes of Loan Portfolio by Categories

The following tables present the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans (in thousands).

	June 30, 2016
	Current		30 – 59 Days Past Due		60 – 89 Days Past Due		90 Days Past Due		Total Past Due		Total Loans		90 Days Past Due and Still Accruing
Commercial	$	184,700	$	70	$	282	$	488	$	840	$	185,540	$	—
Commercial loans secured by real estate		438,655		172		—		—		172		438,827		—
Real estate – mortgage		245,350		1,990		854		515		3,359		248,709		—
Consumer		19,228		54		15		—		69		19,297		—
Total	$	887,933	$	2,286	$	1,151	$	1,003	$	4,440	$	892,373	$	—

	December 31, 2015
	Current		30 – 59 Days Past Due		60 – 89 Days Past Due		90 Days Past Due		Total Past Due		Total Loans		90 Days Past Due and Still Accruing
Commercial	$	176,216	$	489	$	4,361	$	—	$	4,850	$	181,066	$	—
Commercial loans secured by real estate		421,247		208		182		—		390		421,637		—
Real estate – mortgage		254,288		2,658		442		549		3,649		257,937		—
Consumer		20,115		67		162		—		229		20,344		—
Total	$	871,866	$	3,422	$	5,147	$	549	$	9,118	$	880,984	$	—