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ALLOWANCE FOR LOAN LOSSES (Tables)

12 Months Ended

Dec. 31, 2019

ALLOWANCE FOR LOAN LOSSES

Schedule of Loan losses by portfolio segment

The following table summarizes the rollforward of the allowance for loan losses by portfolio segment (in thousands).

		BALANCE AT			CHARGE-						PROVISION			BALANCE AT
		DECEMBER 31, 2018			OFFS			RECOVERIES			(CREDIT)			DECEMBER 31, 2019
Commercial		$	3,057		$	(9)		$	22		$	881		$	3,951
Commercial loans secured by non-owner occupied real estate			3,389			(63)			48			(255)			3,119
Real estate − residential mortgage			1,235			(98)			118			(96)			1,159
Consumer			127			(262)			52			209			126
Allocation for general risk			863			—			-			61			924
Total		$	8,671		$	(432)		$	240		$	800		$	9,279

		BALANCE AT			CHARGE-						PROVISION			BALANCE AT
		DECEMBER 31, 2017			OFFS			RECOVERIES			(CREDIT)			DECEMBER 31, 2018
Commercial		$	4,298		$	(574)		$	31		$	(698)		$	3,057
Commercial loans secured by non-owner occupied real estate			3,666			—			51			(328)			3,389
Real estate − residential mortgage			1,102			(380)			119			394			1,235
Consumer			128			(251)			61			189			127
Allocation for general risk			1,020			—			—			(157)			863
Total		$	10,214		$	(1,205)		$	262		$	(600)		$	8,671

		BALANCE AT			CHARGE-									BALANCE AT
		DECEMBER 31, 2016			OFFS			RECOVERIES			PROVISION			DECEMBER 31, 2017
Commercial		$	4,041		$	(311)		$	27		$	541		$	4,298
Commercial loans secured by non-owner occupied real estate			3,584			(132)			56			158			3,666
Real estate − residential mortgage			1,169			(313)			207			39			1,102
Consumer			151			(172)			120			29			128
Allocation for general risk			987			—			—			33			1,020
Total		$	9,932		$	(928)		$	410		$	800		$	10,214

Schedule of Loan loss by the primary segments

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

		AT DECEMBER 31, 2019
		(IN THOUSANDS)
					COMMERCIAL LOANS
					SECURED BY NON-			REAL ESTATE −
					OWNER OCCUPIED			RESIDENTIAL
Loans:		COMMERCIAL			REAL ESTATE			MORTGAGE			CONSUMER			TOTAL
Individually evaluated for impairment		$	816		$	8		$	—		$	—		$	824
Collectively evaluated for impairment			264,761			363,627			235,239			18,255			881,882
Total loans		$	265,577		$	363,635		$	235,239		$	18,255		$	882,706

		AT DECEMBER 31, 2019
		(IN THOUSANDS)
					COMMERCIAL LOANS									ALLOCATION
					SECURED BY NON-			REAL ESTATE −						FOR
					OWNER OCCUPIED			RESIDENTIAL						GENERAL
Allowance for loan losses:		COMMERCIAL			REAL ESTATE			MORTGAGE			CONSUMER			RISK			TOTAL
Specific reserve allocation		$	84		$	8		$	—		$	—		$	—		$	92
General reserve allocation			3,867			3,111			1,159			126			924			9,187
Total allowance for loan losses		$	3,951		$	3,119		$	1,159		$	126		$	924		$	9,279

		AT DECEMBER 31, 2018
		(IN THOUSANDS)
					COMMERCIAL LOANS
					SECURED BY NON-			REAL ESTATE −
					OWNER OCCUPIED			RESIDENTIAL
Loans:		COMMERCIAL			REAL ESTATE			MORTGAGE			CONSUMER			TOTAL
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

		AT DECEMBER 31, 2018
		(IN THOUSANDS)
					COMMERCIAL LOANS									ALLOCATION
					SECURED BY NON-			REAL ESTATE −						FOR
					OWNER OCCUPIED			RESIDENTIAL						GENERAL
Allowance for loan losses:		COMMERCIAL			REAL ESTATE			MORTGAGE			CONSUMER			RISK			TOTAL
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

Schedule of Present impaired loans by portfolio segment

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.

		AT DECEMBER 31, 2019
								IMPAIRED
								LOANS WITH
		IMPAIRED LOANS WITH						NO SPECIFIC
		SPECIFIC ALLOWANCE						ALLOWANCE			TOTAL IMPAIRED LOANS
														UNPAID
		RECORDED			RELATED			RECORDED			RECORDED			PRINCIPAL
		INVESTMENT			ALLOWANCE			INVESTMENT			INVESTMENT			BALANCE
		(IN THOUSANDS)
Commercial		$	816		$	84		$	—		$	816		$	816
Commercial loans secured by non-owner occupied real estate			8			8			—			8			30
Total impaired loans		$	824		$	92		$	—		$	824		$	846

		AT DECEMBER 31, 2018
								IMPAIRED
								LOANS WITH
		IMPAIRED LOANS WITH						NO SPECIFIC
		SPECIFIC ALLOWANCE						ALLOWANCE			TOTAL IMPAIRED LOANS
														UNPAID
		RECORDED			RELATED			RECORDED			RECORDED			PRINCIPAL
		INVESTMENT			ALLOWANCE			INVESTMENT			INVESTMENT			BALANCE
		(IN THOUSANDS)
Commercial loans secured by non-owner occupied real estate		$	11		$	11		$	—		$	11		$	33
Total impaired loans		$	11		$	11		$	—		$	11		$	33

Schedule of Investment in impaired loans and related interest income

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

		YEAR ENDED DECEMBER 31,
		2019			2018			2017
		(IN THOUSANDS)
Average impaired balance:
Commercial		$	597		$	228		$	1,075
Commercial loans secured by non-owner occupied real estate			10			12			838
Average investment in impaired loans		$	607		$	240		$	1,913
Interest income recognized:
Commercial		$	30		$	—		$	12
Commercial loans secured by non-owner occupied real estate			—			—			—
Interest income recognized on a cash basis on impaired loans		$	30		$	—		$	12

Schedule of Commercial and commercial real estate loan portfolios

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.

		AT DECEMBER 31, 2019
					SPECIAL
		PASS			MENTION			SUBSTANDARD			DOUBTFUL			TOTAL
		(IN THOUSANDS)
Commercial and industrial		$	161,147		$	853		$	11,922		$	—		$	173,922
Commercial loans secured by owner occupied real estate			88,942			1,384			1,329			—			91,655
Commercial loans secured by non-owner occupied real estate			362,027			—			1,600			8			363,635
Total		$	612,116		$	2,237		$	14,851		$	8		$	629,212

		AT DECEMBER 31, 2018
					SPECIAL
		PASS			MENTION			SUBSTANDARD			DOUBTFUL			TOTAL
		(IN THOUSANDS)
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 Residential and consumer portfolio

The following tables present the performing and non-performing outstanding balances of the residential and consumer portfolio classes.

		AT DECEMBER 31, 2019
					NON-
		PERFORMING			PERFORMING			TOTAL
		(IN THOUSANDS)
Real estate – residential mortgage		$	233,760		$	1,479		$	235,239
Consumer			18,255			—			18,255
Total		$	252,015		$	1,479		$	253,494

		AT DECEMBER 31, 2018
					NON-
		PERFORMING			PERFORMING			TOTAL
		(IN THOUSANDS)
Real estate – residential mortgage		$	236,754		$	1,210		$	237,964
Consumer			17,591			—			17,591
Total		$	254,345		$	1,210		$	255,555

Schedule of Credit quality of the loan portfolio

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

		AT DECEMBER 31, 2019
																				90 DAYS
					30 – 59			60 – 89												PAST DUE
					DAYS			DAYS			90 DAYS			TOTAL			TOTAL			AND STILL
		CURRENT			PAST DUE			PAST DUE			PAST DUE			PAST DUE			LOANS			ACCRUING
		(IN THOUSANDS)
Commercial and industrial		$	173,922		$	—		$	—		$	—		$	—		$	173,922		$	—
Commercial loans secured by owner occupied real estate			91,538			117			—			—			117			91,655			—
Commercial loans secured by non-owner occupied real estate			363,635			—			—			—			—			363,635			—
Real estate – residential mortgage			231,022			2,331			864			1,022			4,217			235,239			—
Consumer			18,190			42			23			—			65			18,255			—
Total		$	878,307		$	2,490		$	887		$	1,022		$	4,399		$	882,706		$	—

		AT DECEMBER 31, 2018
																				90 DAYS
					30 – 59			60 – 89												PAST DUE
					DAYS			DAYS			90 DAYS			TOTAL			TOTAL			AND STILL
		CURRENT			PAST DUE			PAST DUE			PAST DUE			PAST DUE			LOANS			ACCRUING
		(IN THOUSANDS)
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		$	—

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