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LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Tables)

6 Months Ended

Jun. 30, 2018

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES

Schedule of major categories of loans

		June 30,					December 31,
		2018					2017
(dollars in thousands)		Amount			%		Amount			%
Consumer		$	14,453		5		$	16,112		6
Residential real estate			82,144		29			81,926		30
Indirect			101,181		35			85,186		32
Commercial			12,028		4			11,257		4
Construction			3,472		1			3,536		1
Commercial real estate			76,130		26			73,595		27
Loans, net of deferred fees and costs			289,408		100			271,612		100
Less:  Allowance for loan losses			(2,284)					(2,589)
Loans, net		$	287,124				$	269,023

Schedule of total allowance by loan segment

June 30, 2018					Residential												Commercial
(dollars in thousands)		Consumer			Real Estate			Indirect			Commercial			Construction			Real Estate			Unallocated			Total
Balance, beginning of year		$	214		$	1,061		$	774		$	237		$	12		$	291		$	—		$	2,589
Charge-offs			(92)			(514)			(163)			—			—			—			—			(769)
Recoveries			12			2			95			—			—			—			—			109
Provision for loan losses			43			112			93			9			(1)			99			—			355
Balance, end of year		$	177		$	661		$	799		$	246		$	11		$	390		$	—		$	2,284
Individually evaluated for impairment:
Balance in allowance		$	27		$	—		$	—		$	211		$	—		$	—		$	—		$	238
Related loan balance			96			2,006			—			211			—			3,016			—			5,329
Collectively evaluated for impairment:
Balance in allowance		$	150		$	661		$	799		$	35		$	11		$	390		$	—		$	2,046
Related loan balance			14,357			80,138			101,181			11,817			3,472			73,114			—			284,079

December 31, 2017					Residential												Commercial
(dollars in thousands)		Consumer			Real Estate			Indirect			Commercial			Construction			Real Estate			Unallocated			Total
Balance, beginning of year		$	182		$	1,042		$	693		$	284		$	10		$	259		$	14		$	2,484
Charge-offs			(96)			(3)			(458)			(9)			—			—			—			(566)
Recoveries			8			27			286			—			—			14			—			335
Provision for loan losses			120			(5)			253			(38)			2			18			(14)			336
Balance, end of year		$	214		$	1,061		$	774		$	237		$	12		$	291		$	—		$	2,589
Individually evaluated for impairment:
Balance in allowance		$	52		$	513		$	—		$	217		$	—		$	—		$	—		$	782
Related loan balance			160			2,345			—			217			—			1,176			—			3,898
Collectively evaluated for impairment:
Balance in allowance		$	162		$	548		$	774		$	20		$	12		$	291		$	—		$	1,807
Related loan balance			15,952			79,580			85,186			11,040			3,536			72,420			—			267,714

Schedule of allowances for credit losses

		June 30,				June 30,
(dollars in thousands)		2018				2017
Average loans		$	281,104			$	269,533
Net charge offs to average loans (annualized)			0.48	%			0.04	%

Schedule of reserve for unfunded commitments

		Six Months
		Ended June 30,
(dollars in thousands)		2018			2017
Beginning balance		$	24		$	25
Reduction of unfunded reserve			(18)			(20)
Provisions charged to operations			37			17
Ending balance		$	43		$	22

Schedule of current, past due, and non-accrual loans by categories of loans and restructured loans

At June 30, 2018								90 Days or
(dollars in thousands)					30-89 Days			More and
		Current			Past Due			Still Accruing			Nonaccrual			Total
Consumer		$	14,094		$	237		$	—		$	122		$	14,453
Residential Real Estate			80,232			159			—			1,753			82,144
Indirect			100,453			599			—			129			101,181
Commercial			12,023			—			5			—			12,028
Construction			3,133			—			29			310			3,472
Commercial Real Estate			73,759			—			—			2,371			76,130
		$	283,694		$	995		$	34		$	4,685		$	289,408

At December 31, 2017								90 Days or
(dollars in thousands)					30-89 Days			More and
		Current			Past Due			Still Accruing			Nonaccrual			Total
Consumer		$	15,823		$	80		$	24		$	185		$	16,112
Residential Real Estate			79,205			597			—			2,124			81,926
Indirect			83,932			1,166			—			88			85,186
Commercial			11,203			—			6			48			11,257
Construction			3,188			—			30			318			3,536
Commercial Real Estate			73,088			—			—			507			73,595
		$	266,439		$	1,843		$	60		$	3,270		$	271,612

Schedule of impaired financing receivables

June 30, 2018					Unpaid			Interest						Average
(dollars in thousands)		Recorded			Principal			Income			Specific			Recorded
		Investment			Balance			Recognized			Reserve			Investment
Impaired loans with specific reserves:
Consumer		$	96		$	96		$	1		$	27		$	137
Commercial			211			211			6			211			214
Total impaired loans with specific reserves			307			307			7			238			351
Impaired loans with no specific reserve:
Residential Real Estate		$	1,735		$	2,161		$	4		$	—		$	2,871
Indirect			129			129			—			—			—
Construction			228			228			—			—			236
Commercial Real Estate			3,099			3,409			95			—			4,758
Total impaired loans with no specific reserve		$	5,191		$	5,927		$	99			—		$	7,865

December 31, 2017					Unpaid			Interest						Average
(dollars in thousands)		Recorded			Principal			Income			Specific			Recorded
		Investment			Balance			Recognized			Reserve			Investment
Impaired loans with specific reserves:
Consumer		$	160		$	160		$	5		$	52		$	205
Residential Real Estate			1,294			1,322			—			513			1,312
Commercial			217			217			—			217			223
Total impaired loans with specific reserves			1,671			1,699			5			782			1,740
Impaired loans with no specific reserve:
Consumer		$	49		$	49		$	—			—		$	—
Residential Real Estate			992			1,760			11			—			1,572
Indirect			88			88			—			—			—
Commercial			2			2			—			—			2
Construction			318			318			—			—			322
Commercial Real Estate			1,194			1,194			39			—			1,632
Total impaired loans with no specific reserve		$	2,643		$	3,411		$	50			—		$	3,528

Schedule of allowance for loan loss and the unearned income on loans

		June 30,				December 31,
(dollars in thousands)		2018				2017
Troubled debt restructured loans		$	256			$	263
Non-accrual and 90+ days past due and still accruing loans to average loans			1.48	%			1.32	%
Allowance for loan losses to nonaccrual & 90+ days past due and still accruing loans			58.6	%			77.7	%

Schedule of non accrual loans

				Residential								Commercial
(dollars in thousands)		Consumer		Real Estate		Indirect		Commercial		Construction		Real Estate		Totals
December 31, 2016		403		2,508		193		—		—		647		3,751
Transfers into nonaccrual		4		40		349		—		84		132		609
Loans paid down/payoffs		(67)		(82)		(96)		—		(84)		(6)		(335)
Loans returned to accrual status		—		(132)		(112)		—		—		—		(244)
Loans charged off		(4)		(3)		(247)		—		—		—		(254)
June 30, 2017		336		2,331		87		—		—		773		3,527
December 31, 2017		185		2,124		88		48		318		507		3,270
Transfers into nonaccrual		44		183		305		—		—		2,000		2,532
Loans paid down/payoffs		(15)		(41)		(51)		(48)		(8)		(136)		(299)
Loans returned to accrual status		—		—		(50)		—		—		—		(50)
Loans charged off		(92)		(513)		(163)		—		—		—		(768)
June 30, 2018		122		1,753		129		—		310		2,371		4,685

Schedule of risk ratings of loans by categories of loans

The following table provides information with respect to the Company's credit quality indicators by loan portfolio segment at June 30, 2018:

June 30, 2018					Residential												Commercial
(dollars in thousands)		Consumer			Real Estate			Indirect			Commercial			Construction			Real Estate			Total
Pass		$	14,119		$	79,828		$	100,143		$	11,817		$	3,472		$	73,031		$	282,410
Special mention			187			215			610			—			—			—			1,012
Substandard			146			2,101			355			211			—			3,099			5,912
Doubtful			1			—			73			—			—			—			74
Loss			—			—			—			—			—			—			—
		$	14,453		$	82,144		$	101,181		$	12,028		$	3,472		$	76,130		$	289,408
Nonaccrual			122			1,753			129			—			310			2,371			4,685
Troubled debt restructures			45			—			—			211			—			—			256
Number of TDRs accounts			1			—			—			1			—			—			2
Non-performing TDRs			45			—			—			—			—			—			45
Number of non-performing TDR accounts			1			—			—			—			—			—			1

December 31, 2017					Residential												Commercial
(dollars in thousands)		Consumer			Real Estate			Indirect			Commercial			Construction			Real Estate			Total
Pass		$	15,823		$	79,060		$	83,756		$	11,038		$	3,218		$	72,074		$	264,969
Special mention			77			384			1,027			2			—			327			1,817
Substandard			188			2,482			362			217			318			1,194			4,761
Doubtful			24			—			41			—			—			—			65
Loss			—			—			—			—			—			—			—
		$	16,112		$	81,926		$	85,186		$	11,257		$	3,536		$	73,595		$	271,612
Nonaccrual			185			2,124			88			48			318			507			3,270
Troubled debt restructures			46			—			—			217			—			—			263
Number of TDRs accounts			1			—			—			1			—			—			2
Non-performing TDRs			46			—			—			—			—			—			46
Number of non-performing TDR accounts			1			—			—			—			—			—			1

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Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

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