Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 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 nine month periods ending September 30, 2017 and 2016 (in thousands).

	Three months ended September 30, 2017
	Balance at June 30, 2017		Charge-Offs			Recoveries		Provision (Credit)			Balance at September 30, 2017
Commercial	$	3,825	$	(228	)	$	9	$	561		$	4,167
Commercial loans secured by real estate		4,487		—			3		(644	)		3,846
Real estate-mortgage		1,151		(109	)		72		50			1,164
Consumer		138		(42	)		50		(7	)		139
Allocation for general risk		790		—			—		240			1,030
Total	$	10,391	$	(379	)	$	134	$	200		$	10,346

	Three months ended September 30, 2016
	Balance at June 30, 2016		Charge-Offs			Recoveries		Provision (Credit)			Balance at September 30, 2016
Commercial	$	4,322	$	(295	)	$	115	$	92		$	4,234
Commercial loans secured by real estate		3,274		(13	)		2		85			3,348
Real estate-mortgage		1,075		(104	)		24		77			1,072
Consumer		135		(57	)		8		53			139
Allocation for general risk		940		—			—		(7	)		933
Total	$	9,746	$	(469	)	$	149	$	300		$	9,726

	Nine months ended September 30, 2017
	Balance at December 31, 2016		Charge-Offs			Recoveries		Provision (Credit)		Balance at September 30, 2017
Commercial	$	4,041	$	(228	)	$	22	$	332	$	4,167
Commercial loans secured by real estate		3,584		(14	)		8		268		3,846
Real estate-mortgage		1,169		(263	)		165		93		1,164
Consumer		151		(138	)		112		14		139
Allocation for general risk		987		—			—		43		1,030
Total	$	9,932	$	(643	)	$	307	$	750	$	10,346

	Nine months ended September 30, 2016
	Balance at December 31, 2015		Charge-Offs			Recoveries		Provision (Credit)			Balance at September 30, 2016
Commercial	$	4,244	$	(3,648	)	$	126	$	3,512		$	4,234
Commercial loans secured by real estate		3,449		(13	)		38		(126	)		3,348
Real estate-mortgage		1,173		(150	)		86		(37	)		1,072
Consumer		151		(302	)		18		272			139
Allocation for general risk		904		—			—		29			933
Total	$	9,921	$	(4,113	)	$	268	$	3,650		$	9,726

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 September 30, 2017
Loans:	Commercial		Commercial Loans Secured by Real Estate		Real Estate- Mortgage		Consumer		Allocation for General Risk		Total
Individually evaluated for impairment	$	1,458	$	2,465	$	—	$	—			$	3,923
Collectively evaluated for impairment		159,460		466,883		246,881		19,063				892,287
Total loans	$	160,918	$	469,348	$	246,881	$	19,063			$	896,210
Allowance for loan losses:
Specific reserve allocation	$	860	$	28	$	—	$	—	$	—	$	888
General reserve allocation		3,307		3,818		1,164		139		1,030		9,458
Total allowance for loan losses	$	4,167	$	3,846	$	1,164	$	139	$	1,030	$	10,346

	At December 31, 2016
Loans:	Commercial		Commercial Loans Secured by Real Estate		Real Estate- Mortgage		Consumer		Allocation for General Risk		Total
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).

	September 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	$	1,448	$	860	$	10	$	1,458	$	1,458
Commercial loans secured by real estate		151		28		2,314		2,465		2,499
Total impaired loans	$	1,599	$	888	$	2,324	$	3,923	$	3,957

	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 September 30,				Nine months ended September 30,
	2017		2016		2017		2016
Average loan balance:
Commercial	$	1,302	$	821	$	816	$	992
Commercial loans secured by real estate		1,316		283		825		449
Average investment in impaired loans	$	2,618	$	1,104	$	1,641	$	1,441
Interest income recognized:
Commercial	$	9	$	1	$	24	$	9
Commercial loans secured by real estate		—		—		2		8
Interest income recognized on a cash basis on impaired loans	$	9	$	1	$	26	$	17

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).

	September 30, 2017
	Pass		Special Mention		Substandard		Doubtful		Total
Commercial	$	158,169	$	76	$	2,423	$	250	$	160,918
Commercial loans secured by real estate		448,766		16,524		4,044		14		469,348
Total	$	606,935	$	16,600	$	6,467	$	264	$	630,266

	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).

	September 30, 2017
	Performing		Non- Performing
Real estate-mortgage	$	245,479	$	1,402
Consumer		19,056		7
Total	$	264,535	$	1,409

	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).

	September 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	$	159,529	$	1,228	$	—	$	161	$	1,389	$	160,918	$	—
Commercial loans secured by real estate		461,506		5,358		—		2,484		7,842		469,348		—
Real estate-mortgage		242,793		2,488		861		739		4,088		246,881		—
Consumer		18,978		73		12		—		85		19,063		—
Total	$	882,806	$	9,147	$	873	$	3,384	$	13,404	$	896,210	$	—

	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	$	—