Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2017

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, 2017 and 2016 (in thousands).


	Three months ended June 30, 2017
	Balance at March 31, 2017		Charge-Offs			Recoveries		Provision (Credit)			Balance at June 30, 2017
Commercial	$	4,024	$	—		$	6	$	(205	)	$	3,825
Commercial loans secured by real estate		3,747		—			3		737			4,487
Real estate – mortgage		1,167		(60	)		27		17			1,151
Consumer		149		(33	)		43		(21	)		138
Allocation for general risk		993		—			—		(203	)		790
Total	$	10,080	$	(93	)	$	79	$	325		$	10,391


	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


	Six months ended June 30, 2017
	Balance at December 31, 2016		Charge-Offs			Recoveries		Provision (Credit)			Balance at June 30, 2017
Commercial	$	4,041	$	—		$	13	$	(229	)	$	3,825
Commercial loans secured by real estate		3,584		(14	)		5		912			4,487
Real estate – mortgage		1,169		(154	)		93		43			1,151
Consumer		151		(96	)		62		21			138
Allocation for general risk		987		—			—		(197	)		790
Total	$	9,932	$	(264	)	$	173	$	550		$	10,391


	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

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, 2017
	Commercial		Commercial Loans Secured by Real Estate		Real Estate- Mortgage		Consumer		Allocation for General Risk		Total
Loans:
Individually evaluated for impairment	$	1,145	$	166	$	—	$	—			$	1,311
Collectively evaluated for impairment		161,431		464,743		246,771		18,990				891,935
Total loans	$	162,576	$	464,909	$	246,771	$	18,990			$	893,246
Allowance for loan losses:
Specific reserve allocation	$	467	$	30	$	—	$	—	$	—	$	497
General reserve allocation		3,358		4,457		1,151		138		790		9,894
Total allowance for loan losses	$	3,825	$	4,487	$	1,151	$	138	$	790	$	10,391


	At December 31, 2016
	Commercial		Commercial Loans Secured by Real Estate		Real Estate- Mortgage		Consumer		Allocation for General Risk		Total
Loans:
Individually evaluated for impairment	$	496	$	178	$	—	$	—			$	674
Collectively evaluated for impairment		171,033		446,420		245,765		19,872				883,090
Total loans	$	171,529	$	446,598	$	245,765	$	19,872			$	883,764
Allowance for loan losses:
Specific reserve allocation	$	496	$	31	$	—	$	—	$	—	$	527
General reserve allocation		3,545		3,553		1,169		151		987		9,405
Total allowance for loan losses	$	4,041	$	3,584	$	1,169	$	151	$	987	$	9,932

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, 2017
	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	$	566	$	467	$	579	$	1,145	$	1,180
Commercial loans secured by real estate		151		30		15		166		200
Total impaired loans	$	717	$	497	$	594	$	1,311	$	1,380


	December 31, 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	$	496	$	496	$	—	$	496	$	517
Commercial loans secured by real estate		162		31		16		178		209
Total impaired loans	$	658	$	527	$	16	$	674	$	726

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,
	2017		2016		2017		2016
Average loan balance:
Commercial	$	815	$	1,020	$	602	$	1,103
Commercial loans secured by real estate		170		352		278		523
Average investment in impaired loans	$	985	$	1,372	$	880	$	1,626
Interest income recognized:
Commercial	$	10	$	4	$	13	$	8
Commercial loans secured by real estate		—		3		2		8
Interest income recognized on a cash basis on impaired loans	$	10	$	7	$	15	$	16

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, 2017
	Pass		Special Mention		Substandard		Doubtful		Total
Commercial	$	159,567	$	230	$	2,312	$	467	$	162,576
Commercial loans secured by real estate		444,012		14,829		6,053		15		464,909
Total	$	603,579	$	15,059	$	8,365	$	482	$	627,485


	December 31, 2016
	Pass		Special Mention		Substandard		Doubtful		Total
Commercial	$	168,116	$	1,087	$	1,830	$	496	$	171,529
Commercial loans secured by real estate		436,318		7,497		2,767		16		446,598
Total	$	604,434	$	8,584	$	4,597	$	512	$	618,127

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, 2017
	Performing		Non-Performing
Real estate – mortgage	$	245,728	$	1,043
Consumer		18,982		8
Total	$	264,710	$	1,051


	December 31, 2016
	Performing		Non-Performing
Real estate – mortgage	$	244,836	$	929
Consumer		19,872		—
Total	$	264,708	$	929

Past Due Financing Receivables [Table Text Block]

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, 2017
	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	$	161,408	$	1,168	$	—	$	—	$	1,168	$	162,576	$	—
Commercial loans secured by real estate		455,037		4,438		5,282		152		9,872		464,909		—
Real estate – mortgage		242,582		2,771		769		649		4,189		246,771		—
Consumer		18,921		41		20		8		69		18,990		—
Total	$	877,948	$	8,418	$	6,071	$	809	$	15,298	$	893,246	$	—


	December 31, 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	$	171,292	$	237	$	—	$	—	$	237	$	171,529	$	—
Commercial loans secured by real estate		446,477		121		—		—		121		446,598		—
Real estate – mortgage		241,802		2,856		610		497		3,963		245,765		—
Consumer		19,795		50		27		—		77		19,872		—
Total	$	879,366	$	3,264	$	637	$	497	$	4,398	$	883,764	$	—