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Allowance for Loan Losses (Tables)
 6 Months Ended
Jun. 30, 2019
Provision for Loan and Lease 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, 2019 and 2018 (in thousands).
 
 
 
Three months ended June 30, 2019
 
 
 
Balance at
March 31, 2019
 
 
Charge-
Offs
 
 
Recoveries
 
 
Provision
(Credit)
 
 
Balance at
June 30, 2019
 
Commercial
 
$
2,614
 
 
$
—
 
 
$
—
 
 
$
(76
)
 
$
2,538
 
Commercial loans secured by non-owner occupied real estate
 
 
3,373
 
 
 
—
 
 
 
13
 
 
 
39
 
 
 
3,425
 
Real estate-residential mortgage
 
 
1,213
 
 
 
(10
)
 
 
68
 
 
 
(53
)
 
 
1,218
 
Consumer
 
 
125
 
 
 
(88
)
 
 
12
 
 
 
75
 
 
 
124
 
Allocation for general risk
 
 
782
 
 
 
—
 
 
 
—
 
 
 
15
 
 
 
797
 
Total
 
$
8,107
 
 
$
(98
)
 
$
93
 
 
$
—
 
 
$
8,102
 
 
 
 
Three months ended June 30, 2018
 
 
 
Balance at
March 31, 2018
 
 
Charge-
Offs
 
 
Recoveries
 
 
Provision
(Credit)
 
 
Balance at
June 30, 2018
 
Commercial
 
$
3,984
 
 
$
(412
)
 
$
4
 
 
$
(10
)
 
$
3,566
 
Commercial loans secured by non-owner occupied real estate
 
 
3,550
 
 
 
—
 
 
 
13
 
 
 
123
 
 
 
3,686
 
Real estate-residential mortgage
 
 
1,267
 
 
 
(103
)
 
 
67
 
 
 
22
 
 
 
1,253
 
Consumer
 
 
142
 
 
 
(53
)
 
 
23
 
 
 
13
 
 
 
125
 
Allocation for general risk
 
 
989
 
 
 
—
 
 
 
—
 
 
 
(98
)
 
 
891
 
Total
 
$
9,932
 
 
$
(568
)
 
$
107
 
 
$
50
 
 
$
9,521
 
 
 
 
Six months ended June 30, 2019
 
 
 
Balance at
December 31, 2018
 
 
Charge-
Offs
 
 
Recoveries
 
 
Provision
(Credit)
 
 
Balance at
June 30, 2019
 
Commercial
 
$
3,057
 
 
$
—
 
 
$
5
 
 
$
(524
)
 
$
2,538
 
Commercial loans secured by non-owner occupied real estate
 
 
3,389
 
 
 
(63
)
 
 
24
 
 
 
75
 
 
 
3,425
 
Real estate-residential mortgage
 
 
1,235
 
 
 
(71
)
 
 
76
 
 
 
(22
)
 
 
1,218
 
Consumer
 
 
127
 
 
 
(170
)
 
 
30
 
 
 
137
 
 
 
124
 
Allocation for general risk
 
 
863
 
 
 
—
 
 
 
—
 
 
 
(66
)
 
 
797
 
Total
 
$
8,671
 
 
$
(304
)
 
$
135
 
 
$
(400
)
 
$
8,102
 
 
 
 
Six months ended June 30, 2018
 
 
 
Balance at
December 31, 2017
 
 
Charge-
Offs
 
 
Recoveries
 
 
Provision
(Credit)
 
 
Balance at
June 30, 2018
 
Commercial
 
$
4,298
 
 
$
(574
)
 
$
12
 
 
$
(170
)
 
$
3,566
 
Commercial loans secured by non-owner occupied real estate
 
 
3,666
 
 
 
—
 
 
 
26
 
 
 
(6
)
 
 
3,686
 
Real estate-residential mortgage
 
 
1,102
 
 
 
(217
)
 
 
77
 
 
 
291
 
 
 
1,253
 
Consumer
 
 
128
 
 
 
(152
)
 
 
35
 
 
 
114
 
 
 
125
 
Allocation for general risk
 
 
1,020
 
 
 
—
 
 
 
—
 
 
 
(129
)
 
 
891
 
Total
 
$
10,214
 
 
$
(943
)
 
$
150
 
 
$
100
 
 
$
9,521
 
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, 2019
 
 
 
Commercial
 
 
Commercial Loans
Secured by Non-Owner
Occupied Real Estate
 
 
Real Estate-
Residential
Mortgage
 
 
Consumer
 
 
Allocation for
General Risk
 
 
Total
 
Loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
 
$
750
 
 
$
10
 
 
$
—
 
 
$
—
 
 
 
 
 
 
$
760
 
Collectively evaluated for impairment
 
 
254,681
 
 
 
375,663
 
 
 
239,916
 
 
 
17,737
 
 
 
 
 
 
 
887,997
 
Total loans
 
$
255,431
 
 
$
375,673
 
 
$
239,916
 
 
$
17,737
 
 
 
 
 
 
$
888,757
 
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Specific reserve allocation
 
$
78
 
 
$
10
 
 
$
—
 
 
$
—
 
 
$
—
 
 
$
88
 
General reserve allocation
 
 
2,460
 
 
 
3,415
 
 
 
1,218
 
 
 
124
 
 
 
797
 
 
 
8,014
 
Total allowance for loan losses
 
$
2,538
 
 
$
3,425
 
 
$
1,218
 
 
$
124
 
 
$
797
 
 
$
8,102
 
 
 
 
 
 
 
 
 
 
 
 
At December 31, 2018
 
 
 
Commercial
 
 
Commercial Loans
Secured by Non-Owner
Occupied Real Estate
 
 
Real Estate-
Residential
Mortgage
 
 
Consumer
 
 
Allocation for
General Risk
 
 
Total
 
Loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
 
$
—
 
 
$
11
 
 
$
—
 
 
$
—
 
 
 
 
 
 
$
11
 
Collectively evaluated for impairment
 
 
250,184
 
 
 
356,532
 
 
 
237,964
 
 
 
17,591
 
 
 
 
 
 
 
862,271
 
Total loans
 
$
250,184
 
 
$
356,543
 
 
$
237,964
 
 
$
17,591
 
 
 
 
 
 
$
862,282
 
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Specific reserve allocation
 
$
—
 
 
$
11
 
 
$
—
 
 
$
—
 
 
$
—
 
 
$
11
 
General reserve allocation
 
 
3,057
 
 
 
3,378
 
 
 
1,235
 
 
 
127
 
 
 
863
 
 
 
8,660
 
Total allowance for loan losses
 
$
3,057
 
 
$
3,389
 
 
$
1,235
 
 
$
127
 
 
$
863
 
 
$
8,671
 
Impaired Financing Receivables [Table Text Block]
The following tables present impaired loans by portfolio segment, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary (in thousands).
 
 
 
June 30, 2019
 
 
 
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
 
$
750
 
 
$
78
 
 
$
—
 
 
$
750
 
 
$
750
 
Commercial loans secured by non-owner occupied real estate
 
 
10
 
 
 
10
 
 
 
—
 
 
 
10
 
 
 
32
 
Total impaired loans
 
$
760
 
 
$
88
 
 
$
—
 
 
$
760
 
 
$
782
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2018
 
 
 
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 loans secured by non-owner occupied real estate
 
$
11
 
 
$
11
 
 
$
—
 
 
$
11
 
 
$
33
 
Total impaired loans
 
$
11
 
 
$
11
 
 
$
—
 
 
$
11
 
 
$
33
 
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,
 
 
 
2019
 
 
2018
 
 
2019
 
 
2018
 
Average loan balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
375
 
 
$
457
 
 
$
250
 
 
$
709
 
Commercial loans secured by non-owner occupied real estate
 
 
11
 
 
 
13
 
 
 
11
 
 
 
191
 
Average investment in impaired loans
 
$
386
 
 
$
470
 
 
$
261
 
 
$
900
 
Interest income recognized:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
4
 
 
$
—
 
 
$
4
 
 
$
—
 
Commercial loans secured by non-owner occupied real estate
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
Interest income recognized on a cash basis on impaired loans
 
$
4
 
 
$
—
 
 
$
4
 
 
$
—
 
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, 2019
 
 
 
Pass
 
 
Special
Mention
 
 
Substandard
 
 
Doubtful
 
 
Total
 
Commercial and industrial
 
$
167,272
 
 
$
3,471
 
 
$
1,685
 
 
$
—
 
 
$
172,428
 
Commercial loans secured by owner occupied real  estate
 
 
80,162
 
 
 
1,679
 
 
 
1,162
 
 
 
—
 
 
 
83,003
 
Commercial loans secured by non-owner occupied  real estate
 
 
369,242
 
 
 
6,234
 
 
 
187
 
 
 
10
 
 
 
375,673
 
Total
 
$
616,676
 
 
$
11,384
 
 
$
3,034
 
 
$
10
 
 
$
631,104
 
 
 
 
December 31, 2018
 
 
 
Pass
 
 
Special
Mention
 
 
Substandard
 
 
Doubtful
 
 
Total
 
Commercial and industrial
 
$
154,510
 
 
$
2,089
 
 
$
1,680
 
 
$
—
 
 
$
158,279
 
Commercial loans secured by owner occupied real estate
 
 
86,997
 
 
 
3,769
 
 
 
1,139
 
 
 
—
 
 
 
91,905
 
Commercial loans secured by non-owner occupied real estate
 
 
349,954
 
 
 
6,316
 
 
 
262
 
 
 
11
 
 
 
356,543
 
Total
 
$
591,461
 
 
$
12,174
 
 
$
3,081
 
 
$
11
 
 
$
606,727
 
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 portfolio classes (in thousands).
 
 
 
June 30, 2019
 
 
 
Performing
 
 
Non-Performing
 
Real estate – residential mortgage
 
$
239,052
 
 
$
864
 
Consumer
 
 
17,737
 
 
 
—
 
Total
 
$
256,789
 
 
$
864
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2018
 
 
 
Performing
 
 
Non-Performing
 
Real estate – residential mortgage
 
$
236,754
 
 
$
1,210
 
Consumer
 
 
17,591
 
 
 
—
 
Total
 
$
254,345
 
 
$
1,210
 
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, 2019
 
 
 
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 and industrial
 
$
172,428
 
 
$
—
 
 
$
—
 
 
$
—
 
 
$
—
 
 
$
172,428
 
 
$
—
 
Commercial loans secured by owner occupied real estate
 
 
83,003
 
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
 
 
83,003
 
 
 
—
 
Commercial loans secured by non-owner occupied real estate
 
 
375,673
 
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
 
 
375,673
 
 
 
—
 
Real estate – residential mortgage
 
 
235,940
 
 
 
2,723
 
 
 
779
 
 
 
474
 
 
 
3,976
 
 
 
239,916
 
 
 
—
 
Consumer
 
 
17,508
 
 
 
220
 
 
 
9
 
 
 
—
 
 
 
229
 
 
 
17,737
 
 
 
—
 
Total
 
$
884,552
 
 
$
2,943
 
 
$
788
 
 
$
474
 
 
$
4,205
 
 
$
888,757
 
 
$
—
 
 
 
December 31, 2018
 
 
 
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 and industrial
 
$
158,279
 
 
$
—
 
 
$
—
 
 
$
—
 
 
$
—
 
 
$
158,279
 
 
$
—
 
Commercial loans secured by owner occupied real estate
 
 
91,905
 
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
 
 
91,905
 
 
 
—
 
Commercial loans secured by non-owner occupied real estate
 
 
355,963
 
 
 
580
 
 
 
—
 
 
 
—
 
 
 
580
 
 
 
356,543
 
 
 
—
 
Real estate – residential mortgage
 
 
232,465
 
 
 
3,651
 
 
 
472
 
 
 
1,376
 
 
 
5,499
 
 
 
237,964
 
 
 
—
 
Consumer
 
 
17,408
 
 
 
153
 
 
 
30
 
 
 
—
 
 
 
183
 
 
 
17,591
 
 
 
—
 
Total
 
$
856,020
 
 
$
4,384
 
 
$
502
 
 
$
1,376
 
 
$
6,262
 
 
$
862,282
 
 
$
—