Southern First Bancshares (SFST) 10-Q 28 Apr 20 2020 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2020	Apr. 28, 2020
Document and Entity Information [Abstract]
Entity Registrant Name	SOUTHERN FIRST BANCSHARES INC
Entity Central Index Key	0001090009
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Type	10-Q
Document Period End Date	Mar. 31, 2020
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q1
Entity Filer Category	Accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Common Stock, Shares Outstanding		7,717,582
Entity Shell Company	false
Entity Interactive Data Current	Yes
Entity Current Reporting Status	Yes
Entity Incorporation State Country Code	SC
Entity File Number	000-27719

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Cash and cash equivalents:
Cash and due from banks	$ 17,521	$ 19,196
Federal funds sold	40,277	89,256
Interest-bearing deposits with banks	83,314	19,364
Total cash and cash equivalents	141,112	127,816
Investment securities:
Investment securities available for sale	70,507	67,694
Other investments	5,341	6,948
Total investment securities	75,848	74,642
Mortgage loans held for sale	34,948	27,046
Loans	2,030,261	1,943,525
Less allowance for loan losses	(22,462)	(16,642)
Loans, net	2,007,799	1,926,883
Bank owned life insurance	40,281	40,011
Property and equipment, net	58,656	58,478
Deferred income taxes	4,087	4,275
Other assets	9,518	8,044
Total assets	2,372,249	2,267,195
LIABILITIES
Deposits	2,025,698	1,876,124
Federal Home Loan Bank advances and other borrowings	65,000	110,000
Subordinated debentures	35,917	35,890
Other liabilities	35,159	39,321
Total liabilities	2,161,774	2,061,335
SHAREHOLDERS' EQUITY
Preferred stock, par value $.01 per share, 10,000,000 shares authorized
Common stock, par value $.01 per share, 10,000,000 shares authorized, 7,717,582 and 7,672,678 shares issued and outstanding at March 31, 2020 and December 31, 2019, respectively	77	77
Nonvested restricted stock	(1,105)	(803)
Additional paid-in capital	107,529	106,152
Accumulated other comprehensive income (loss)	410	(298)
Retained earnings	103,564	100,732
Total shareholders' equity	210,475	205,860
Total liabilities and shareholders' equity	$ 2,372,249	$ 2,267,195

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - $ / shares	Mar. 31, 2020	Dec. 31, 2019
Statement of Financial Position [Abstract]
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, shares authorized	10,000,000	10,000,000
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	7,717,582	7,672,678
Common stock, shares outstanding	7,717,582	7,672,678

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Interest income
Loans	$ 23,367	$ 20,889
Investment securities	396	549
Federal funds sold and interest-bearing deposits with banks	103	174
Total interest income	23,866	21,612
Interest expense
Deposits	5,174	5,375
Borrowings	594	419
Total interest expense	5,768	5,794
Net interest income	18,098	15,818
Provision for loan losses	6,000	300
Net interest income after provision for loan losses	12,098	15,518
Noninterest income
Mortgage banking income	2,668	1,857
Service fees on deposit accounts	262	265
ATM and debit card income	398	380
Income from bank owned life insurance	270	216
Other income	318	276
Total noninterest income	3,916	2,994
Noninterest expenses
Compensation and benefits	7,871	6,783
Occupancy	1,536	1,339
Outside service and data processing costs	1,192	960
Insurance	320	318
Professional fees	497	439
Marketing	258	260
Other	698	549
Total noninterest expenses	12,372	10,648
Income before income tax expense	3,642	7,864
Income tax expense	810	1,855
Net income available to common shareholders	$ 2,832	$ 6,009
Earnings per common share
Basic	$ 0.37	$ 0.81
Diluted	$ 0.36	$ 0.78
Weighted average common shares outstanding
Basic	7,678,598	7,459,342
Diluted	7,827,173	7,741,860

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Statement of Comprehensive Income [Abstract]
Net income	$ 2,832	$ 6,009
Unrealized gain on securities available for sale:
Unrealized holding gain arising during the period, pretax	895	684
Tax expense	(187)	(143)
Reclassification of realized gain		(4)
Tax expense		1
Other comprehensive income	708	538
Comprehensive income	$ 3,540	$ 6,547

CONSOLIDATED STATEMENTS OF SHAR

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (Unaudited) - USD ($) $ in Thousands	Common stock [Member]	Preferred stock [Member]	Nonvested Restricted Stock [Member]	Additional paid-in capital [Member]	Accumulated other comprehensive loss [Member]	Retained earnings [Member]	Total
Balance at Dec. 31, 2018	$ 75		$ (741)	$ 102,625	$ (917)	$ 72,874	$ 173,916
Balance, shares at Dec. 31, 2018	7,466,481
Net income						6,009	6,009
Proceeds from exercise of stock options				322			322
Proceeds from exercise of stock options, shares	28,455
Issuance of restricted stock			(347)	347
Issuance of restricted stock, shares	10,700
Compensation expense related to restricted stock, net of tax			95				95
Compensation expense related to stock options, net of tax				306			306
Other comprehensive income					538		538
Balance at Mar. 31, 2019	$ 75		(993)	103,600	(379)	78,883	181,186
Balance, shares at Mar. 31, 2019	7,505,636
Balance at Dec. 31, 2019	$ 77		(803)	106,152	(298)	100,732	205,860
Balance, shares at Dec. 31, 2019	7,672,678
Net income						2,832	2,832
Proceeds from exercise of stock options				741			741
Proceeds from exercise of stock options, shares	35,404
Issuance of restricted stock			(406)	406
Issuance of restricted stock, shares	9,500
Compensation expense related to restricted stock, net of tax			104				104
Compensation expense related to stock options, net of tax				230			230
Other comprehensive income					708		708
Balance at Mar. 31, 2020	$ 77		$ (1,105)	$ 107,529	$ 410	$ 103,564	$ 210,475
Balance, shares at Mar. 31, 2020	7,717,582

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Operating activities
Net income	$ 2,832	$ 6,009
Adjustments to reconcile net income to cash provided by (used for) operating activities:
Provision for loan losses	6,000	300
Depreciation and other amortization	549	453
Accretion and amortization of securities discounts and premium, net	116	83
Net change in operating leases	55	447
Compensation expense related to stock options and restricted stock grants	334	401
Gain on sale of loans held for sale	(2,778)	(1,775)
Loans originated and held for sale	(95,423)	(55,178)
Proceeds from sale of loans held for sale	90,299	56,801
Increase in cash surrender value of bank owned life insurance	(270)	(216)
Decrease in deferred tax asset		1
Increase in other assets, net	(1,490)	(400)
Increase (decrease) in other liabilities	(3,782)	5,978
Net cash provided by (used for) operating activities	(3,558)	12,904
Increase (decrease) in cash realized from:
Increase in loans, net	(86,916)	(56,643)
Purchase of property and equipment	(1,119)	(266)
Purchase of investment securities:
Available for sale	(6,302)
Payments and maturities, calls and repayments of investment securities:
Available for sale	4,269	2,205
Other investments	1,607	812
Net cash used for investing activities	(88,461)	(53,892)
Increase (decrease) in cash realized from:
Increase in deposits, net	149,574	110,099
Decrease in Federal Home Loan Bank advances and other borrowings, net	(45,000)	(25,000)
Proceeds from the exercise of stock options and warrants	741	322
Net cash provided by financing activities	105,315	85,421
Net increase in cash and cash equivalents	13,296	44,433
Cash and cash equivalents at beginning of the period	127,816	72,873
Cash and cash equivalents at end of the period	141,112	117,306
Cash paid for
Interest	7,103	5,570
Income taxes
Schedule of non-cash transactions
Unrealized gain on securities, net of income taxes	708	541
Right-of-use assets obtained in exchange for lease obligations:
Operating leases		$ 15,395

Nature of Business and Basis of

Nature of Business and Basis of Presentation	3 Months Ended
	Mar. 31, 2020
Accounting Policies [Abstract]
Nature of Business and Basis of Presentation	NOTE 1 – Nature of Business and Basis of Presentation Business Activity Southern First Bancshares, Inc. (the “Company”) is a South Carolina corporation that owns all of the capital stock of Southern First Bank (the “Bank”) and all of the stock of Greenville First Statutory Trusts I and II (collectively, the “Trusts”). The Trusts are special purpose non-consolidated entities organized for the sole purpose of issuing trust preferred securities. The Bank's primary federal regulator is the Federal Deposit Insurance Corporation (the “FDIC”). The Bank is also regulated and examined by the South Carolina Board of Financial Institutions. The Bank is primarily engaged in the business of accepting demand deposits and savings deposits insured by the FDIC, and providing commercial, consumer and mortgage loans to the general public. Basis of Presentation The accompanying consolidated financial statements have been prepared in accordance with generally accepted accounting principles (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all the information and footnotes required by accounting principles generally accepted in the United States of America for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. Operating results for the three-month period ended March 31, 2020 are not necessarily indicative of the results that may be expected for the year ending December 31, 2020. For further information, refer to the consolidated financial statements and footnotes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2019 as filed with the Securities and Exchange Commission (“SEC”) on March 2, 2020. The consolidated financial statements include the accounts of the Company and the Bank. In accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 810, “Consolidation,” the financial statements related to the Trusts have not been consolidated. Business Segments In determining proper segment definition, the Company considers the materiality of a potential segment and components of the business about which financial information is available and regularly evaluated, relative to a resource allocation and performance assessment. The Company accounts for intersegment revenues and expenses as if the revenue/expense transactions were generated to third parties, that is, at current market prices. Please refer to “Note 10 – Reportable Segments” for further information on the reporting for the Company’s three business segments. Use of Estimates The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America, or GAAP, requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the consolidated financial statements and the reported amount of income and expenses during the reporting periods. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, real estate acquired in the settlement of loans, fair value of financial instruments, evaluating other-than-temporary-impairment of investment securities and valuation of deferred tax assets. Risks and Uncertainties In December 2019, a novel strain of coronavirus (“COVID-19”) was reported to have surfaced in China, and has since spread to a number of other countries, including the United States. In March 2020, the World Health Organization declared COVID-19 a global pandemic and the United States declared a National Public Health Emergency. The COVID-19 pandemic has severely restricted the level of economic activity in the Bank’s markets. In response to the COVID-19 pandemic, the governments of the states in which the Bank has retail offices, and of most other states, have taken preventative or protective actions, such as imposing restrictions on travel and business operations, advising or requiring individuals to limit or forego their time outside of their homes, and ordering temporary closures of businesses that have been deemed to be non-essential. The impact of the COVID-19 pandemic is fluid and continues to evolve, adversely affecting many of the Bank’s clients. The COVID-19 pandemic and its associated impacts on trade (including supply chains and export levels), travel, employee productivity, unemployment, consumer spending, and other economic activities has resulted in less economic activity, lower equity market valuations and significant volatility and disruption in financial markets, and has had an adverse effect on the Company’s business, financial condition and results of operations. The ultimate extent of the impact of the COVID-19 pandemic on the Company’s business, financial condition and results of operations is currently uncertain and will depend on various developments and other factors, including, among others, the duration and scope of the pandemic, as well as governmental, regulatory and private sector responses to the pandemic, and the associated impacts on the economy, financial markets and our clients, employees and vendors. The Company’s business, financial condition and results of operations generally rely upon the ability of the Bank’s borrowers to repay their loans, the value of collateral underlying the Bank’s secured loans, and demand for loans and other products and services the Bank offers, which are highly dependent on the business environment in the Bank’s primary markets where it operates and in the United States as a whole. On March 3, 2020, the Federal Reserve reduced the target federal funds rate by 50 basis points, followed by an additional reduction of 100 basis points on March 16, 2020. These reductions in interest rates and other effects of the COVID-19 pandemic may adversely affect the Company’s financial condition and results of operations. As a result of the spread of COVID-19, economic uncertainties have arisen which are likely to negatively impact net interest income, provision for loan losses, and noninterest income. Other financial impact could occur though such potential impact is unknown at this time. As of March 31, 2020, the Company and Bank capital ratios were in excess of all regulatory requirements. While management believes that we have sufficient capital to withstand an extended economic recession brought about by the COVID-19 pandemic, our reported and regulatory capital ratios could be adversely impacted by further credit losses. The Company maintains access to multiple sources of liquidity, including a $15.0 million holding company line of credit with another bank which could be used to support capital ratios at the subsidiary bank. As of April 21, 2020, the entire $15.0 million line was being utilized by the Company. As of March 31, 2020, over 400 of our clients had requested loan payment deferrals or payments of interest only on loans totaling $380.2 million, of which 93.3% were commercial loans. In accordance with interagency guidance issued in March 2020, these short-term deferrals are not considered troubled debt restructurings (“TDRs”) unless the borrower was previously experiencing financial difficulty; however, three client relationships, with loans totaling $2.9 million, were granted short-term loan modifications which were considered TDRs due to the client experiencing financial difficulty prior to the pandemic. In addition, the risk-rating on COVID-19 modified loans did not change, and these loans will not be considered past due until after the deferral period is over and scheduled payments resume. The credit quality of these loans will be reevaluated after the deferral period ends. The table below provides a breakdown of loan modification requests due to the COVID-19 pandemic by type of concession. March 31, 2020 (dollars in thousands) # Loans Amount % of Total Portfolio Payment deferrals 252 $ 208,555 10.3 % Interest only 170 168,723 8.3 % Financial difficulty (TDR) 6 2,925 0.1 % 428 $ 380,203 18.7 % Through April 21, 2020, we have modified more than 750 loans totaling $591.8 million which remain predominately in the commercial loan categories. While most industries have and will continue to experience adverse impacts as a result of the COVID-19 pandemic, we have identified nine loan categories considered to be “at-risk” of significant impact. The table below identifies these segments as well as the outstanding, committed and modified loan balances for each industry. March 31, 2020 % of % of Total Total Committed Total Balance Loans Committed Balance Modified (dollars in thousands) Outstanding Outstanding Balance Outstanding Balance % Modified Religious organizations $ 56,306 2.8% $ 88,422 63.6% $ 1,539 2.7% Entertainment facilities 4,605 0.2% 9,464 48.7% 255 5.5% Hotels 82,227 4.1% 104,155 78.9% 6,050 7.4% Personal care businesses 1,349 0.1% 1,385 97.4% 137 10.2% Restaurants 48,352 2.4% 53,526 90.3% 3,673 7.6% Sports facilities 22,229 1.1% 22,882 97.1% 683 3.1% Travel related businesses 3,328 0.2% 4,085 81.5% 555 16.7% Private healthcare facilities 36,462 1.8% 41,899 87.0% 12,531 34.4% Non-essential retail 154,450 7.6% 160,702 96.1% 13,843 9.0% Total $ 409,308 20.2% $ 486,520 84.1% $ 39,266 9.6% As of April 21, 2020, the total outstanding balance within these nine portfolios was $413.4 million with approximately 48% of the balances having been modified. We continue to monitor unfunded commitments through the pandemic, including home equity lines of credit, for evidence of increased credit exposure as borrowers utilize these lines for liquidity purposes. Reclassifications Certain amounts, previously reported, have been reclassified to state all periods on a comparable basis and had no effect on shareholders’ equity or net income. Subsequent Events Subsequent events are events or transactions that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed at the date of the balance sheet, including the estimates inherent in the process of preparing financial statements. Non-recognized subsequent events are events that provide evidence about conditions that did not exist at the date of the balance sheet but arose after that date. Newly Issued, But Not Yet Effective Accounting Standards In June 2016, the FASB issued ASU 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments”. Among other things, ASU 2016-13 requires the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to form their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. In addition, ASU 2016-13 amends the accounting for credit losses on debt securities and purchased financial assets with credit deterioration. ASU 2016-13 was originally effective for all annual and interim periods beginning after December 31, 2019, with early adoption permitted for fiscal years beginning after December 15, 2018. Adoption will be applied through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective. In November 2019, the FASB issued guidance that addresses issues raised by stakeholders during the implementation of ASU 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments”. The amendments affect a variety of Topics in the Accounting Standards Codification. For public business entities that meet the definition of a smaller reporting company, such as the Company, the amendments are effective for fiscal years beginning after December 15, 2022 including interim periods within those fiscal years. Early adoption is permitted in any interim period as long as the Company has adopted to amendments in ASU 2016-13. Currently, the Company does not expect to adopt the ASU before the effective period. Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies that do not require adoption until a future date are not expected to have a material impact on the consolidated financial statements upon adoption.

Investment Securities

Investment Securities	3 Months Ended
	Mar. 31, 2020
Investments, Debt and Equity Securities [Abstract]
Investment Securities	NOTE 2 – Investment Securities The amortized costs and fair value of investment securities are as follows: March 31, 2020 Amortized Gross Unrealized Fair (dollars in thousands) Cost Gains Losses Value Available for sale US government agencies $ 500 - 1 499 SBA securities 519 - 18 501 State and political subdivisions 9,385 295 1 9,679 Asset-backed securities 12,929 - 643 12,286 Mortgage-backed securities FHLMC 10,034 270 4 10,300 FNMA 33,057 702 135 33,624 GNMA 3,565 53 - 3,618 Total mortgage-backed securities 46,656 1,025 139 47,542 Total investment securities available for sale $ 69,989 1,320 802 70,507 December 31, 2019 Amortized Gross Unrealized Fair Cost Gains Losses Value Available for sale US government agencies $ 500 - 1 499 SBA securities 550 - 19 531 State and political subdivisions 4,205 3 24 4,184 Asset-backed securities 13,351 - 184 13,167 Mortgage-backed securities FHLMC 10,609 14 15 10,608 FNMA 35,275 34 169 35,140 GNMA 3,581 5 21 3,565 Total mortgage-backed securities 49,465 53 205 49,313 Total $ 68,071 56 433 67,694 Contractual maturities and yields on the Company’s investment securities at March 31, 2020 and December 31, 2019 are shown in the following table. Expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. March 31, 2020 Less than one year One to five years Five to ten years Over ten years Total (dollars in thousands) Amount Yield Amount Yield Amount Yield Amount Yield Amount Yield Available for sale US government agencies $ - - 499 1.11% - - - - 499 1.11% SBA securities - - - - - - 501 2.39% 501 2.39% State and political subdivisions - - - - 972 2.65% 8,707 2.86% 9,679 2.84% Asset-backed securities - - - - 1,402 2.22% 10,884 2.45% 12,286 2.43% Mortgage-backed securities - - 3,224 1.80% 8,263 2.05% 36,055 2.34% 47,542 2.25% Total $ - - 3,723 1.71% 10,637 2.13% 56,147 2.44% 70,507 2.36% December 31, 2019 Less than one year One to five years Five to ten years Over ten years Total (dollars in thousands) Amount Yield Amount Yield Amount Yield Amount Yield Amount Yield Available for sale US government agencies $ - - 499 1.97% - - - - 499 1.97% SBA securities - - - - - - 531 2.62% 531 2.62% State and political subdivisions - - 808 2.81% 1,283 2.96% 2,093 2.67% 4,184 2.79% Asset-backed securities - - - - 1,493 2.34% 11,674 2.61% 13,167 2.58% Mortgage-backed securities - - 3,368 1.78% 7,638 2.00% 38,307 2.24% 49,313 2.17% Total $ - - 4,675 1.98% 10,414 2.17% 52,605 2.34% 67,694 2.29% The tables below summarize gross unrealized losses on investment securities and the fair market value of the related securities at March 31, 2020 and December 31, 2019, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position. March 31, 2020 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized (dollars in thousands) # value losses # value losses # value losses Available for sale US government agencies 1 $ 499 $ 1 - $ - $ - 1 $ 499 $ 1 SBA securities - - - 1 501 18 1 501 18 State and political subdivisions 1 505 1 - - - 1 505 1 Asset-backed securities 5 5,489 365 5 6,797 278 10 12,286 643 Mortgage-backed securities FHLMC 1 258 4 - - - 1 258 4 FNMA - - - 4 2,778 135 4 2,778 135 Total 8 $ 6,751 $ 371 10 $ 10,076 $ 431 18 $ 16,827 $ 802 December 31, 2019 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized (dollars in thousands) # value losses # value losses # value losses Available for sale US government agencies 1 $ 499 $ 1 - $ - $ - 1 $ 499 $ 1 SBA securities - - - 1 531 19 1 531 19 State and political subdivisions 2 2,093 24 - - - 2 2,093 24 Asset-backed securities 5 5,921 68 5 7,246 116 10 13,167 184 Mortgage-backed securities FHLMC 4 3,842 2 4 2,323 13 8 6,165 15 FNMA 14 15,500 67 11 9,462 102 25 24,962 169 GNMA 2 2,240 6 1 734 15 3 2,974 21 Total 28 $ 30,095 $ 168 22 $ 20,296 $ 265 50 $ 50,391 $ 433 At March 31, 2020, the Company had eight individual investments with a fair market value of $6.8 million that were in an unrealized loss position for less than 12 months and ten individual investments with a fair market value of $10.1 million that were in an unrealized loss position for 12 months or longer. The unrealized losses were primarily attributable to changes in interest rates, rather than deterioration in credit quality. The individual securities are each investment grade securities. The Company considers the length of time and extent to which the fair value of available-for-sale debt securities have been less than cost to conclude that such securities are not other-than-temporarily impaired. The Company also considers other factors such as the financial condition of the issuer including credit ratings and specific events affecting the operations of the issuer, volatility of the security, underlying assets that collateralize the debt security, and other industry and macroeconomic conditions. As the Company has no intent to sell securities with unrealized losses and it is not more-likely-than-not that the Company will be required to sell these securities before recovery of amortized cost, the Company has concluded that these securities are not impaired on an other-than-temporary basis. Other investments are comprised of the following and are recorded at cost which approximates fair value. (dollars in thousands) March 31, 2020 December 31, 2019 Federal Home Loan Bank stock $ 4,803 6,386 Other investments 135 159 Investment in Trust Preferred securities 403 403 Total other investments $ 5,341 6,948 The Company has evaluated the Federal Home Loan Bank (“FHLB”) stock for impairment and determined that the investment in the FHLB stock is not other than temporarily impaired as of March 31, 2020 and that ultimate recoverability of the par value of this investment is probable. All of the FHLB stock is used to collateralize advances with the FHLB.

Mortgage Loans Held for Sale

Mortgage Loans Held for Sale	3 Months Ended
	Mar. 31, 2020
Mortgage Loans Held for Sale [Abstract]
Mortgage Loans Held for Sale	NOTE 3 – Mortgage Loans Held for Sale Mortgage loans originated and intended for sale in the secondary market are reported as loans held for sale and carried at fair value under the fair value option with changes in fair value recognized in current period earnings. At the date of funding of the mortgage loan held for sale, the funded amount of the loan, the related derivative asset or liability of the associated interest rate lock commitment, less direct loan costs becomes the initial recorded investment in the loan held for sale. Such amount approximates the fair value of the loan. At March 31, 2020, mortgage loans held for sale totaled $34.9 million compared to $27.0 million at December 31, 2019. The $7.9 million increase in mortgage loans held for sale during the first quarter of 2020 was driven by an increase in volume of mortgage loans originated and sold in the favorable mortgage rate environment. Mortgage loans held for sale are considered de-recognized, or sold, when the Company surrenders control over the financial assets. Control is considered to have been surrendered when the transferred assets have been isolated from the Company, beyond the reach of the Company and its creditors; the purchaser obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets; and the Company does not maintain effective control over the transferred assets through an agreement that both entitles and obligates the Company to repurchase or redeem the transferred assets before their maturity or the ability to unilaterally cause the holder to return specific assets. Gains and losses from the sale of mortgage loans are recognized based upon the difference between the sales proceeds and carrying value of the related loans upon sale and are recorded in mortgage banking income in the statement of income. Mortgage banking income also includes the unrealized gains and losses associated with the loans held for sale and the realized and unrealized gains and losses from derivatives. Mortgage loans sold to investors by the Company, and which were believed to have met investor and agency underwriting guidelines at the time of sale, may be subject to repurchase or indemnification in the event of specific default by the borrower or subsequent discovery that underwriting standards were not met. The Company may, upon mutual agreement, agree to repurchase the loans or indemnify the investor against future losses on such loans. In such cases, the Company bears any subsequent credit loss on the loans. As appropriate, the Company establishes mortgage repurchase reserves related to various representations and warranties that reflect management’s estimate of losses.

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	3 Months Ended
	Mar. 31, 2020
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Loans and Allowance for Loan Losses	NOTE 4 – Loans and Allowance for Loan Losses The following table summarizes the composition of our loan portfolio. Total gross loans are recorded net of deferred loan fees and costs, which totaled $3.6 million as of March 31, 2020 and $3.3 million as of December 31, 2019. March 31, 2020 December 31, 2019 (dollars in thousands) Amount % of Total Amount % of Total Commercial Owner occupied RE $ 422,124 20.8% $ 407,851 21.0% Non-owner occupied RE 534,846 26.3% 501,878 25.8% Construction 74,758 3.7% 80,486 4.1% Business 317,702 15.7% 308,123 15.9% Total commercial loans 1,349,430 66.5% 1,298,338 66.8% Consumer Real estate 427,697 21.1% 398,245 20.5% Home equity 183,099 9.0% 179,738 9.3% Construction 45,240 2.2% 41,471 2.1% Other 24,795 1.2% 25,733 1.3% Total consumer loans 680,831 33.5% 645,187 33.2% Total gross loans, net of deferred fees 2,030,261 100.0% 1,943,525 100.0% Less—allowance for loan losses (22,462 ) (16,642 ) Total loans, net $ 2,007,799 $ 1,926,883 Maturities and Sensitivity of Loans to Changes in Interest Rates The information in the following tables summarizes the loan maturity distribution by type and related interest rate characteristics based on the contractual maturities of individual loans, including loans which may be subject to renewal at their contractual maturity. Renewal of such loans is subject to review and credit approval, as well as modification of terms upon maturity. Actual repayments of loans may differ from the maturities reflected below, because borrowers have the right to prepay obligations with or without prepayment penalties. March 31, 2020 After one One year but within After five (dollars in thousands) or less five years years Total Commercial Owner occupied RE $ 35,613 143,626 242,885 422,124 Non-owner occupied RE 53,806 276,462 204,578 534,846 Construction 12,178 28,280 34,300 74,758 Business 86,055 151,281 80,366 317,702 Total commercial loans 187,652 599,649 562,129 1,349,430 Consumer Real estate 15,969 74,920 336,808 427,697 Home equity 8,207 26,334 148,558 183,099 Construction 14,698 1,121 29,421 45,240 Other 5,696 14,763 4,336 24,795 Total consumer loans 44,570 117,138 519,123 680,831 Total gross loans, net of deferred fees $ 232,222 716,787 1,081,252 2,030,261 Loans maturing after one year with: Fixed interest rates $ 1,425,015 Floating interest rates 373,024 December 31, 2019 After one One year but within After five (dollars in thousands) or less five years years Total Commercial Owner occupied RE $ 40,476 147,945 219,430 407,851 Non-owner occupied RE 55,187 267,879 178,812 501,878 Construction 31,035 19,278 30,173 80,486 Business 84,452 146,051 77,620 308,123 Total commercial loans 211,150 581,153 506,035 1,298,338 Consumer Real estate 16,663 82,445 299,137 398,245 Home equity 9,921 25,828 143,989 179,738 Construction 13,405 1,222 26,844 41,471 Other 6,422 15,022 4,289 25,733 Total consumer 46,411 124,517 474,259 645,187 Total gross loan, net of deferred fees $ 257,561 705,670 980,294 1,943,525 Loans maturing after one year with: Fixed interest rates $ 1,310,744 Floating interest rates 375,220 Portfolio Segment Methodology Commercial Commercial loans are assessed for estimated losses by grading each loan using various risk factors identified through periodic reviews. The Company applies historic grade-specific loss factors to each loan class. In the development of statistically derived loan grade loss factors, the Company observes historical losses over 20 quarters for each loan grade. These loss estimates are adjusted as appropriate based on additional analysis of external loss data or other risks identified from current economic conditions and credit quality trends. The allowance also includes an amount for the estimated impairment on nonaccrual commercial loans and commercial loans modified in a troubled debt restructuring (“TDR”), whether on accrual or nonaccrual status. Consumer For consumer loans, the Company determines the allowance on a collective basis utilizing historical losses over 20 quarters to represent its best estimate of inherent loss. The Company pools loans, generally by loan class with similar risk characteristics. The allowance also includes an amount for the estimated impairment on nonaccrual consumer loans and consumer loans modified in a TDR, whether on accrual or nonaccrual status. Credit Quality Indicators Commercial We manage a consistent process for assessing commercial loan credit quality by monitoring its loan grading trends and past due statistics. All loans are subject to individual risk assessment. Our risk categories include Pass, Special Mention, Substandard, and Doubtful, each of which is defined by our banking regulatory agencies. Delinquency statistics are also an important indicator of credit quality in the establishment of our allowance for loan losses. We categorize our loans into risk categories based on relevant information about the ability of the borrower to service their debt such as current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. A description of the general characteristics of the risk grades is as follows: ● Pass—These loans range from minimal credit risk to average credit risk; however, still have acceptable credit risk. ● Special mention—A special mention loan has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or the institution’s credit position at some future date. ● Substandard—A substandard loan is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness, or weaknesses, that may jeopardize the liquidation of the debt. A substandard loan is characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. ● Doubtful—A doubtful loan has all of the weaknesses inherent in one classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of the currently existing facts, conditions and values, highly questionable and improbable. The following tables provide past due information for outstanding commercial loans and include loans on nonaccrual status as well as accruing TDRs. March 31, 2020 Owner Non-owner (dollars in thousands) occupied RE occupied RE Construction Business Total Current $ 419,978 531,119 74,758 315,562 1,341,417 30-59 days past due 1,595 3,275 - 1,909 6,779 60-89 days past due - 264 - - 264 Greater than 90 Days 551 188 - 231 970 $ 422,124 534,846 74,758 317,702 1,349,430 December 31, 2019 Owner Non-owner occupied RE occupied RE Construction Business Total Current $ 406,594 501,676 80,486 307,710 1,296,466 30-59 days past due 706 151 - 178 1,035 60-89 days past due - - - - - Greater than 90 Days 551 51 - 235 837 $ 407,851 501,878 80,486 308,123 1,298,338 As of March 31, 2020 and December 31, 2019, loans 30 days or more past due represented 0.60% and 0.23% of the Company’s total loan portfolio, respectively. Commercial loans 30 days or more past due were 0.39% and 0.10% of the Company’s total loan portfolio as of March 31, 2020 and December 31, 2019, respectively. The tables below provide a breakdown of outstanding commercial loans by risk category. March 31, 2020 Owner Non-owner (dollars in thousands) occupied RE occupied RE Construction Business Total Pass $ 418,504 525,927 74,758 310,953 1,330,142 Special mention 1,321 865 - 3,271 5,457 Substandard 2,299 8,054 - 3,478 13,831 Doubtful - - - - - $ 422,124 534,846 74,758 317,702 1,349,430 December 31, 2019 Owner Non-owner occupied RE occupied RE Construction Business Total Pass $ 404,237 492,941 80,486 301,504 1,279,168 Special mention 1,312 744 - 3,108 5,164 Substandard 2,302 8,193 - 3,511 14,006 Doubtful - - - - - $ 407,851 501,878 80,486 308,123 1,298,338 Consumer The Company manages a consistent process for assessing consumer loan credit quality by monitoring its loan grading trends and past due statistics. All loans are subject to individual risk assessment. The Company’s categories include Pass, Special Mention, Substandard, and Doubtful, which are defined above. Delinquency statistics are also an important indicator of credit quality in the establishment of the allowance for loan losses. The following tables provide past due information for outstanding consumer loans and include loans on nonaccrual status as well as accruing TDRs. March 31, 2020 (dollars in thousands) Real estate Home equity Construction Other Total Current $ 426,127 180,486 45,240 24,790 676,643 30-59 days past due 559 1,527 - 5 2,091 60-89 days past due - 886 - - 886 Greater than 90 Days 1,011 200 - - 1,211 $ 427,697 183,099 45,240 24,795 680,831 December 31, 2019 (dollars in thousands) Real estate Home equity Construction Other Total Current $ 396,445 179,051 41,471 25,650 642,617 30-59 days past due 799 369 - 83 1,251 60-89 days past due - 118 - - 118 Greater than 90 Days 1,001 200 - - 1,201 $ 398,245 179,738 41,471 25,733 645,187 Consumer loans 30 days or more past due were 0.21% and 0.13% of total loans as of March 31, 2020 and December 31, 2019, respectively. The tables below provide a breakdown of outstanding consumer loans by risk category. March 31, 2020 (dollars in thousands) Real estate Home equity Construction Other Total Pass $ 420,588 178,520 45,240 24,487 668,835 Special mention 3,717 1,097 - 242 5,056 Substandard 3,392 3,482 - 66 6,940 Doubtful - - - - - $ 427,697 183,099 45,240 24,795 680,831 December 31, 2019 (dollars in thousands) Real estate Home equity Construction Other Total Pass $ 392,572 176,532 41,471 25,421 635,996 Special mention 2,267 775 - 261 3,303 Substandard 3,406 2,431 - 51 5,888 Doubtful - - - - - $ 398,245 179,738 41,471 25,733 645,187 Nonperforming assets The following table shows the nonperforming assets and the related percentage of nonperforming assets to total assets and gross loans. Generally, a loan is placed on nonaccrual status when it becomes 90 days past due as to principal or interest, or when the Company believes, after considering economic and business conditions and collection efforts, that the borrower’s financial condition is such that collection of the contractual principal or interest on the loan is doubtful. A payment of interest on a loan that is classified as nonaccrual is recognized as a reduction in principal when received. Following is a summary of our nonperforming assets, including nonaccruing TDRs. (dollars in thousands) March 31, 2020 December 31, 2019 Commercial Owner occupied RE $ - - Non-owner occupied RE 3,268 188 Construction - - Business 231 235 Consumer Real estate 1,821 1,829 Home equity 427 431 Construction - - Other - - Nonaccruing troubled debt restructurings 4,186 4,111 Total nonaccrual loans, including nonaccruing TDRs 9,933 6,794 Other real estate owned - - Total nonperforming assets $ 9,933 6,794 Nonperforming assets as a percentage of: Total assets 0.42 % 0.30 % Gross loans 0.49 % 0.35 % Total loans over 90 days past due $ 2,181 2,038 Loans over 90 days past due and still accruing - - Accruing troubled debt restructurings 7,939 5,219 Impaired Loans The table below summarizes key information for impaired loans. The Company’s impaired loans include loans on nonaccrual status and loans modified in a TDR, whether on accrual or nonaccrual status. These impaired loans may have estimated impairment which is included in the allowance for loan losses. The Company’s commercial and consumer impaired loans are evaluated individually to determine the related allowance for loan losses. March 31, 2020 Recorded investment Impaired loans Impaired loans Unpaid with no related with related Related Principal Impaired allowance for allowance for allowance for (dollars in thousands) Balance loans loan losses loan losses loan losses Commercial Owner occupied RE $ 2,787 2,722 2,268 454 76 Non-owner occupied RE 7,586 7,085 5,485 1,600 486 Construction - - - - - Business 2,628 2,539 540 1,999 824 Total commercial 13,001 12,346 8,293 4,053 1,386 Consumer Real estate 3,036 3,030 1,966 1,064 362 Home equity 2,403 2,352 2,174 178 65 Construction - - - - - Other 144 144 - 144 15 Total consumer 5,583 5,526 4,140 1,386 442 Total $ 18,584 17,872 12,433 5,439 1,828 December 31, 2019 Recorded investment Impaired loans Impaired loans Unpaid with no related with related Related Principal Impaired allowance for allowance for allowance for (dollars in thousands) Balance loans loan losses loan losses loan losses Commercial Owner occupied RE $ 2,791 2,726 2,270 456 75 Non-owner occupied RE 4,512 4,051 2,419 1,632 465 Construction - - - - - Business 1,620 1,531 558 973 452 Total commercial 8,923 8,308 5,247 3,061 992 Consumer Real estate 2,727 2,720 1,638 1,082 364 Home equity 885 838 459 379 66 Construction - - - - - Other 147 147 - 147 16 Total consumer 3,759 3,705 2,097 1,608 446 Total $ 12,682 12,013 7,344 4,669 1,438 The following table provides the average recorded investment in impaired loans and the amount of interest income recognized on impaired loans after impairment by portfolio segment and class. Three months ended Three months ended Year ended March 31, 2020 March 31, 2019 December 31, 2019 Average Recognized Average Recognized Average Recognized recorded interest recorded interest recorded interest (dollars in thousands) investment income investment income investment income Commercial Owner occupied RE $ 2,725 18 2,757 30 2,739 128 Non-owner occupied RE 7,108 62 2,977 49 4,161 255 Construction - - - - - - Business 2,553 28 2,567 40 1,582 79 Total commercial 12,386 108 8,301 119 8,482 462 Consumer Real estate 3,036 26 2,761 25 2,771 131 Home equity 2,355 12 1,677 30 853 42 Construction - - - - - - Other 145 1 157 1 153 5 Total consumer 5,536 39 4,595 56 3,777 178 Total $ 17,922 147 12,896 175 12,259 640 Allowance for Loan Losses The allowance for loan loss is management’s estimate of credit losses inherent in the loan portfolio. The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The Company has an established process to determine the adequacy of the allowance for loan losses that assesses the losses inherent in the portfolio. While the Company attributes portions of the allowance to specific portfolio segments, the entire allowance is available to absorb credit losses inherent in the total loan portfolio. The Company’s process involves procedures to appropriately consider the unique risk characteristics of the commercial and consumer loan portfolio segments. For each portfolio segment, impairment is measured individually for each impaired loan. The Company’s allowance levels are influenced by loan volume, loan grade or delinquency status, historic loss experience and other economic conditions. The following table summarizes the activity related to the allowance for loan losses by commercial and consumer portfolio segments: Three months ended March 31, 2020 Commercial Consumer Owner Non-owner occupied occupied Real Home (dollars in thousands) RE RE Construction Business Estate equity Construction Other Total Balance, beginning of period $ 2,835 4,304 541 3,692 3,278 1,447 268 277 16,642 Provision for loan losses 1,170 1,711 153 1,006 1,326 381 147 106 6,000 Loan charge-offs - (221 ) - - - - - (45 ) (266 ) Loan recoveries - - - 16 2 68 - - 86 Net loan charge-offs - (221 ) - 16 2 68 - (45 ) (180 ) Balance, end of period $ 4,005 5,794 694 4,714 4,606 1,896 415 338 22,462 Net charge-offs to average loans (annualized) 0.04 % Allowance for loan losses to gross loans 1.11 % Allowance for loan losses to nonperforming loans 226.14 % Three months ended March 31, 2019 Commercial Consumer Owner Non-owner occupied occupied Real Home (dollars in thousands) RE RE Construction Business Estate equity Construction Other Total Balance, beginning of period $ 2,726 3,811 615 3,616 3,081 1,348 275 290 15,762 Provision for loan losses 57 74 (43 ) 171 (56 ) 61 7 29 300 Loan charge-offs - - - - - - - (41 ) (41 ) Loan recoveries - 1 - 9 16 1 - 3 30 Net loan charge-offs - 1 - 9 16 1 - (38 ) (11 ) Balance, end of period $ 2,783 3,886 572 3,796 3,041 1,410 282 281 16,051 Net charge-offs to average loans (annualized) 0.00 % Allowance for loan losses to gross loans 0.93 % Allowance for loan losses to nonperforming loans 265.35 % The following table disaggregates the allowance for loan losses and recorded investment in loans by impairment methodology. March 31, 2020 Allowance for loan losses Recorded investment in loans (dollars in thousands) Commercial Consumer Total Commercial Consumer Total Individually evaluated $ 1,386 442 1,828 12,346 5,526 17,872 Collectively evaluated 13,822 6,812 20,634 1,337,084 675,305 2,012,389 Total $ 15,208 7,254 22,462 1,349,430 680,831 2,030,261 December 31, 2019 Allowance for loan losses Recorded investment in loans (dollars in thousands) Commercial Consumer Total Commercial Consumer Total Individually evaluated $ 992 446 1,438 8,308 3,705 12,013 Collectively evaluated 10,380 4,824 15,204 1,290,030 641,482 1,931,512 Total $ 11,372 5,270 16,642 1,298,338 645,187 1,943,525

Troubled Debt Restructurings

Troubled Debt Restructurings	3 Months Ended
	Mar. 31, 2020
Troubled Debt Restructurings [Abstract]
Troubled Debt Restructurings	NOTE 5 – Troubled Debt Restructurings At March 31, 2020, the Company had 24 loans totaling $12.1 million compared to 19 loans totaling $9.3 million at December 31, 2019, which were considered as TDRs. The Company considers a loan to be a TDR when the debtor experiences financial difficulties and the Company grants a concession to the debtor that it would not normally consider. Concessions can relate to the contractual interest rate, maturity date, or payment structure of the note. As part of the workout plan for individual loan relationships, the Company may restructure loan terms to assist borrowers facing financial challenges in the current economic environment. In accordance with interagency guidance, short term deferrals granted due to the COVID-19 pandemic are not considered TDRs unless the borrower was experiencing financial difficulty prior to the pandemic; however, three client relationships, with loans totaling $2.9 million, were granted short-term loan modifications which were considered TDRs due to the client experiencing financial difficulty prior to the pandemic. The following table summarizes the concession at the time of modification and the recorded investment in the Company’s TDRs before and after their modification for the three months ended March 31, 2020. There were no loans determined to be a TDR during the three months ended March 31, 2019. For the three months ended March 31, 2020 Pre- Post- modification modification Renewals Reduced Converted Maturity Total outstanding outstanding deemed a or deferred to interest date Number recorded recorded (dollars in thousands) concession payments only extensions of loans investment investment Commercial Business 1 1 $ 1,037 $ 1,037 Consumer Real estate 1 1 322 322 Home equity 3 - - - 3 1,522 1,522 Total loans 5 - - - 5 $ 2,881 $ 2,881 As of March 31, 2020 and 2019, there were no loans modified as a TDR for which there was a payment default (60 days past due) within 12 months of the restructuring date.

Derivative Financial Instrument

Derivative Financial Instruments	3 Months Ended
	Mar. 31, 2020
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments	NOTE 6 – Derivative Financial Instruments The Company utilizes derivative financial instruments primarily to hedge its exposure to changes in interest rates. All derivative financial instruments are recognized as either assets or liabilities and measured at fair value. The Company accounts for all of its derivatives as free-standing derivatives and does not designate any of these instruments for hedge accounting. Therefore, the gain or loss resulting from the change in the fair value of the derivative is recognized in the Company’s statement of income during the period of change. The Company enters into commitments to originate residential mortgage loans held for sale, at specified interest rates and within a specified period of time, with clients who have applied for a loan and meet certain credit and underwriting criteria (interest rate lock commitments). These interest rate lock commitments (“IRLCs”) meet the definition of a derivative financial instrument and are reflected in the balance sheet at fair value with changes in fair value recognized in current period earnings. Unrealized gains and losses on the IRLCs are recorded as derivative assets and derivative liabilities, respectively, and are measured based on the value of the underlying mortgage loan, quoted mortgage-backed securities (“MBS”) prices and an estimate of the probability that the mortgage loan will fund within the terms of the interest rate lock commitment, net of estimated commission expenses. The Company manages the interest rate and price risk associated with its outstanding IRLCs and mortgage loans held for sale by entering into derivative instruments such as forward sales of MBS. Management expects these derivatives will experience changes in fair value opposite to changes in fair value of the IRLCs and mortgage loans held for sale, thereby reducing earnings volatility. The Company takes into account various factors and strategies in determining the portion of the mortgage pipeline (IRLCs and mortgage loans held for sale) it wants to economically hedge. The following table summarizes the Company’s outstanding financial derivative instruments at March 31, 2020 and December 31, 2019. March 31, 2020 Fair Value (dollars in thousands) Notional Balance Sheet Location Asset/(Liability) Mortgage loan interest rate lock commitments $ 109,337 Other assets $ 1,649 MBS forward sales commitments 63,000 Other liabilities (1,087 ) Total derivative financial instruments $ 172,337 $ 562 December 31, 2019 Fair Value (dollars in thousands) Notional Balance Sheet Location Asset/(Liability) Mortgage loan interest rate lock commitments $ 26,446 Other assets $ 344 MBS forward sales commitments 20,500 Other liabilities (39 ) Total derivative financial instruments $ 46,946 $ 305

Fair Value Accounting

Fair Value Accounting	3 Months Ended
	Mar. 31, 2020
Fair Value Disclosures [Abstract]
Fair Value Accounting	NOTE 7 – Fair Value Accounting FASB ASC 820, “Fair Value Measurement and Disclosures,” defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. FASB ASC 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value: Level 1 – Quoted market price in active markets Quoted prices in active markets for identical assets or liabilities. Level 1 assets and liabilities include certain debt and equity securities that are traded in an active exchange market. Level 2 – Significant other observable inputs Observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 2 assets and liabilities include fixed income securities and mortgage-backed securities that are held in the Company’s available-for-sale portfolio and valued by a third-party pricing service, as well as certain impaired loans. Level 3 – Significant unobservable inputs Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. These methodologies may result in a significant portion of the fair value being derived from unobservable data. The methods of determining the fair value of assets and liabilities presented in this note are consistent with our methodologies disclosed in Note 14 of the Company’s 2019 Annual Report on Form 10-K. The Company’s loan portfolio is initially fair valued using a segmented approach, using the eight categories of loans as disclosed in Note 4 – Loans and Allowance for Loan Losses. Loans are considered a Level 3 classification. Assets and Liabilities Recorded at Fair Value on a Recurring Basis The tables below present the recorded amount of assets and liabilities measured at fair value on a recurring basis as of March 31, 2020 and December 31, 2019. March 31, 2020 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Securities available for sale US government agencies $ - 499 - 499 SBA securities - 501 - 501 State and political subdivisions - 9,679 - 9,679 Asset-backed securities - 12,286 - 12,286 Mortgage-backed securities - 47,542 - 47,542 Mortgage loans held for sale - 34,948 - 34,948 Mortgage loan interest rate lock commitments - 1,649 - 1,649 Total assets measured at fair value on a recurring basis $ - 107,104 - 107,104 Liabilities MBS forward sales commitments $ - 1,087 - 1,087 Total liabilities measured at fair value on a recurring basis $ - 1,087 - 1,087 December 31, 2019 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Securities available for sale: US government agencies $ - 499 - 499 SBA securities - 531 - 531 State and political subdivisions - 4,184 - 4,184 Asset-backed securities - 13,167 - 13,167 Mortgage-backed securities - 49,313 - 49,313 Mortgage loans held for sale - 27,046 - 27,046 Mortgage loan interest rate lock commitments - 344 - 344 Total assets measured at fair value on a recurring basis $ - 95,084 - 95,084 Liabilities MBS forward sales commitments $ - 39 - 39 Total liabilities measured at fair value on a recurring basis $ - 39 - 39 Assets and Liabilities Recorded at Fair Value on a Nonrecurring Basis The tables below present the recorded amount of assets and liabilities measured at fair value on a nonrecurring basis as of March 31, 2020 and December 31, 2019. As of March 31, 2020 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Impaired loans $ - 10,552 5,492 16,044 Total assets measured at fair value on a nonrecurring basis $ - 10,552 5,492 16,044 As of December 31, 2019 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Impaired loans $ - 5,634 4,941 10,575 Total assets measured at fair value on a nonrecurring basis $ - 5,634 4,941 10,575 The Company had no liabilities carried at fair value or measured at fair value on a nonrecurring basis. Fair Value of Financial Instruments Financial instruments require disclosure of fair value information, whether or not recognized in the consolidated balance sheets, when it is practical to estimate the fair value. A financial instrument is defined as cash, evidence of an ownership interest in an entity or a contractual obligation which requires the exchange of cash. Certain items are specifically excluded from the disclosure requirements, including the Company’s common stock, premises and equipment and other assets and liabilities. The estimated fair values of the Company’s financial instruments at March 31, 2020 and December 31, 2019 are as follows: March 31, 2020 Carrying Fair (dollars in thousands) Amount Value Level 1 Level 2 Level 3 Financial Assets: Other investments, at cost $ 5,341 5,341 - - 5,341 Loans 1 1,989,927 1,942,206 - - 1,942,206 Financial Liabilities: Deposits 2,025,698 1,947,258 - 1,947,258 - FHLB and other borrowings 65,000 65,021 - 65,021 - Subordinated debentures 35,917 31,989 - 31,989 - December 31, 2019 Carrying Fair (dollars in thousands) Amount Value Level 1 Level 2 Level 3 Financial Assets: Other investments, at cost $ 6,948 6,948 - - 6,948 Loans 1 1,914,870 1,900,216 - - 1,900,216 Financial Liabilities: Deposits 1,876,124 1,772,121 - 1,772,121 - FHLB and other borrowings 110,000 109,737 - 109,737 - Subordinated debentures 35,890 33,250 - 33,250 - 1

Leases

Leases	3 Months Ended
	Mar. 31, 2020
Leases [Abstract]
Leases	NOTE 8 – Leases Effective January 1, 2019, the Company adopted ASU 2016-02, “Leases (Topic 842)”. As of March 31, 2020, we lease seven of our offices under various operating lease agreements. The lease agreements have maturity dates ranging from February 2022 to October 2029, some of which include options for multiple five-year extensions. The weighted average remaining life of the lease term for these leases was 7.78 years as of March 31, 2020. The discount rate used in determining the lease liability for each individual lease was the FHLB fixed advance rate which corresponded with the remaining lease term as of January 1, 2019 for leases that existed at adoption and as of the lease commencement date for leases subsequently entered in to. The weighted average discount rate for leases was 2.86% as of March 31, 2020. The total operating lease costs were $596,000 and $528,000 for the three months ended March 31, 2020 and 2019, respectively. The ROU asset, included in property and equipment, and lease liabilities, included in other liabilities, were $19.1 million and $19.7 million as of March 31, 2020, respectively, compared to $19.5 million and $20.1 million as of December 31, 2019, respectively. The ROU asset and lease liability are recognized at lease commencement by calculating the present value of lease payments over the lease term. Maturities of lease liabilities as of March 31, 2020 were as follows: (dollars in thousands) Operating 2020 $ 1,581 2021 2,152 2022 1,400 2023 1,273 2024 1,305 Thereafter 17,405 Total undiscounted lease payments 25,116 Discount effect of cash flows 5,407 Total lease liability $ 19,709

Earnings Per Common Share

Earnings Per Common Share	3 Months Ended
	Mar. 31, 2020
Earnings per common share
Earnings Per Common Share	NOTE 9 – Earnings Per Common Share The following schedule reconciles the numerators and denominators of the basic and diluted earnings per share computations for the three-month periods ended March 31, 2020 and 2019. Dilutive common shares arise from the potentially dilutive effect of the Company’s stock options that were outstanding at March 31, 2020. The assumed conversion of stock options can create a difference between basic and dilutive net income per common share. At March 31, 2020 and 2019, there were 288,053 and 271,034 options, respectively, that were not considered in computing diluted earnings per common share because they were anti-dilutive. Three months ended (dollars in thousands, except share data) 2020 2019 Numerator: Net income available to common shareholders $ 2,832 6,009 Denominator: Weighted-average common shares outstanding – basic 7,678,598 7,459,342 Common stock equivalents 148,575 282,518 Weighted-average common shares outstanding – diluted 7,827,173 7,741,860 Earnings per common share: Basic $ 0.37 0.81 Diluted $ 0.36 0.78

Reportable Segments

Reportable Segments	3 Months Ended
	Mar. 31, 2020
Segment Reporting [Abstract]
Reportable Segments	NOTE 10 – Reportable Segments The Company’s reportable segments represent the distinct product lines the Company offers and are viewed separately for strategic planning purposes by management. The three segments include Commercial and Retail Banking, Mortgage Banking, and Corporate. The following schedule presents financial information for each reportable segment. Three months ended Three months ended (dollars in thousands) Commercial Mortgage Corporate Elimin- Consol- Commercial Mortgage Corporate Elimin- Consol- Interest income $ 23,670 196 4 (4) 23,866 $ 21,519 93 3 (3) 21,612 Interest expense 5,333 - 439 (4) 5,768 5,631 - 166 (3) 5,794 Net interest income (loss) 18,337 196 (435) - 18,098 15,888 93 (163 ) - 15,818 Provision for loan losses 6,000 - - - 6,000 300 - - - 300 Noninterest income 1,248 2,668 - - 3,916 1,137 1,857 - - 2,994 Noninterest expense 10,499 1,807 66 - 12,372 9,465 1,123 60 - 10,648 Net income (loss) before taxes 3,086 1,057 (501) - 3,642 7,260 827 (223 ) - 7,864 Income tax provision (benefit) 693 222 (105) - 810 1,728 174 (47 ) - 1,855 Net income (loss) $ 2,393 835 (396) - 2,832 $ 5,532 653 (176 ) - 6,009 Total assets $ 2,335,160 36,577 246,424 (245,912) 2,372,249 $ 2,002,957 11,003 194,671 (194,205 ) 2,014,426 Commercial and retail banking. The Company’s primary business is to provide traditional deposit and lending products and services to its commercial and retail banking clients. Mortgage banking. The mortgage banking segment provides mortgage loan origination services for loans that will be sold in the secondary market to investors. Corporate. Corporate is comprised primarily of compensation and benefits for certain members of management and interest on parent company debt.

Nature of Business and Basis _2

Nature of Business and Basis of Presentation (Policies)	3 Months Ended
	Mar. 31, 2020
Accounting Policies [Abstract]
Business Activity	Business Activity Southern First Bancshares, Inc. (the “Company”) is a South Carolina corporation that owns all of the capital stock of Southern First Bank (the “Bank”) and all of the stock of Greenville First Statutory Trusts I and II (collectively, the “Trusts”). The Trusts are special purpose non-consolidated entities organized for the sole purpose of issuing trust preferred securities. The Bank's primary federal regulator is the Federal Deposit Insurance Corporation (the “FDIC”). The Bank is also regulated and examined by the South Carolina Board of Financial Institutions. The Bank is primarily engaged in the business of accepting demand deposits and savings deposits insured by the FDIC, and providing commercial, consumer and mortgage loans to the general public.
Basis of Presentation	Basis of Presentation The accompanying consolidated financial statements have been prepared in accordance with generally accepted accounting principles (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all the information and footnotes required by accounting principles generally accepted in the United States of America for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. Operating results for the three-month period ended March 31, 2020 are not necessarily indicative of the results that may be expected for the year ending December 31, 2020. For further information, refer to the consolidated financial statements and footnotes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2019 as filed with the Securities and Exchange Commission (“SEC”) on March 2, 2020. The consolidated financial statements include the accounts of the Company and the Bank. In accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 810, “Consolidation,” the financial statements related to the Trusts have not been consolidated.
Business Segments	Business Segments In determining proper segment definition, the Company considers the materiality of a potential segment and components of the business about which financial information is available and regularly evaluated, relative to a resource allocation and performance assessment. The Company accounts for intersegment revenues and expenses as if the revenue/expense transactions were generated to third parties, that is, at current market prices. Please refer to “Note 10 – Reportable Segments” for further information on the reporting for the Company’s three business segments.
Use of Estimates	Use of Estimates The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America, or GAAP, requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the consolidated financial statements and the reported amount of income and expenses during the reporting periods. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, real estate acquired in the settlement of loans, fair value of financial instruments, evaluating other-than-temporary-impairment of investment securities and valuation of deferred tax assets.
Risks and Uncertainties	Risks and Uncertainties In December 2019, a novel strain of coronavirus (“COVID-19”) was reported to have surfaced in China, and has since spread to a number of other countries, including the United States. In March 2020, the World Health Organization declared COVID-19 a global pandemic and the United States declared a National Public Health Emergency. The COVID-19 pandemic has severely restricted the level of economic activity in the Bank’s markets. In response to the COVID-19 pandemic, the governments of the states in which the Bank has retail offices, and of most other states, have taken preventative or protective actions, such as imposing restrictions on travel and business operations, advising or requiring individuals to limit or forego their time outside of their homes, and ordering temporary closures of businesses that have been deemed to be non-essential. The impact of the COVID-19 pandemic is fluid and continues to evolve, adversely affecting many of the Bank’s clients. The COVID-19 pandemic and its associated impacts on trade (including supply chains and export levels), travel, employee productivity, unemployment, consumer spending, and other economic activities has resulted in less economic activity, lower equity market valuations and significant volatility and disruption in financial markets, and has had an adverse effect on the Company’s business, financial condition and results of operations. The ultimate extent of the impact of the COVID-19 pandemic on the Company’s business, financial condition and results of operations is currently uncertain and will depend on various developments and other factors, including, among others, the duration and scope of the pandemic, as well as governmental, regulatory and private sector responses to the pandemic, and the associated impacts on the economy, financial markets and our clients, employees and vendors. The Company’s business, financial condition and results of operations generally rely upon the ability of the Bank’s borrowers to repay their loans, the value of collateral underlying the Bank’s secured loans, and demand for loans and other products and services the Bank offers, which are highly dependent on the business environment in the Bank’s primary markets where it operates and in the United States as a whole. On March 3, 2020, the Federal Reserve reduced the target federal funds rate by 50 basis points, followed by an additional reduction of 100 basis points on March 16, 2020. These reductions in interest rates and other effects of the COVID-19 pandemic may adversely affect the Company’s financial condition and results of operations. As a result of the spread of COVID-19, economic uncertainties have arisen which are likely to negatively impact net interest income, provision for loan losses, and noninterest income. Other financial impact could occur though such potential impact is unknown at this time. As of March 31, 2020, the Company and Bank capital ratios were in excess of all regulatory requirements. While management believes that we have sufficient capital to withstand an extended economic recession brought about by the COVID-19 pandemic, our reported and regulatory capital ratios could be adversely impacted by further credit losses. The Company maintains access to multiple sources of liquidity, including a $15.0 million holding company line of credit with another bank which could be used to support capital ratios at the subsidiary bank. As of April 21, 2020, the entire $15.0 million line was being utilized by the Company. As of March 31, 2020, over 400 of our clients had requested loan payment deferrals or payments of interest only on loans totaling $380.2 million, of which 93.3% were commercial loans. In accordance with interagency guidance issued in March 2020, these short-term deferrals are not considered troubled debt restructurings (“TDRs”) unless the borrower was previously experiencing financial difficulty; however, three client relationships, with loans totaling $2.9 million, were granted short-term loan modifications which were considered TDRs due to the client experiencing financial difficulty prior to the pandemic. In addition, the risk-rating on COVID-19 modified loans did not change, and these loans will not be considered past due until after the deferral period is over and scheduled payments resume. The credit quality of these loans will be reevaluated after the deferral period ends. The table below provides a breakdown of loan modification requests due to the COVID-19 pandemic by type of concession. March 31, 2020 (dollars in thousands) # Loans Amount % of Total Portfolio Payment deferrals 252 $ 208,555 10.3 % Interest only 170 168,723 8.3 % Financial difficulty (TDR) 6 2,925 0.1 % 428 $ 380,203 18.7 % Through April 21, 2020, we have modified more than 750 loans totaling $591.8 million which remain predominately in the commercial loan categories. While most industries have and will continue to experience adverse impacts as a result of the COVID-19 pandemic, we have identified nine loan categories considered to be “at-risk” of significant impact. The table below identifies these segments as well as the outstanding, committed and modified loan balances for each industry. March 31, 2020 % of % of Total Total Committed Total Balance Loans Committed Balance Modified (dollars in thousands) Outstanding Outstanding Balance Outstanding Balance % Modified Religious organizations $ 56,306 2.8% $ 88,422 63.6% $ 1,539 2.7% Entertainment facilities 4,605 0.2% 9,464 48.7% 255 5.5% Hotels 82,227 4.1% 104,155 78.9% 6,050 7.4% Personal care businesses 1,349 0.1% 1,385 97.4% 137 10.2% Restaurants 48,352 2.4% 53,526 90.3% 3,673 7.6% Sports facilities 22,229 1.1% 22,882 97.1% 683 3.1% Travel related businesses 3,328 0.2% 4,085 81.5% 555 16.7% Private healthcare facilities 36,462 1.8% 41,899 87.0% 12,531 34.4% Non-essential retail 154,450 7.6% 160,702 96.1% 13,843 9.0% Total $ 409,308 20.2% $ 486,520 84.1% $ 39,266 9.6% As of April 21, 2020, the total outstanding balance within these nine portfolios was $413.4 million with approximately 48% of the balances having been modified. We continue to monitor unfunded commitments through the pandemic, including home equity lines of credit, for evidence of increased credit exposure as borrowers utilize these lines for liquidity purposes.
Reclassifications	Reclassifications Certain amounts, previously reported, have been reclassified to state all periods on a comparable basis and had no effect on shareholders’ equity or net income.
Subsequent Events	Subsequent Events Subsequent events are events or transactions that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed at the date of the balance sheet, including the estimates inherent in the process of preparing financial statements. Non-recognized subsequent events are events that provide evidence about conditions that did not exist at the date of the balance sheet but arose after that date.
Newly Issued, But Not Yet Effective Accounting Standards	Newly Issued, But Not Yet Effective Accounting Standards In June 2016, the FASB issued ASU 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments”. Among other things, ASU 2016-13 requires the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to form their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. In addition, ASU 2016-13 amends the accounting for credit losses on debt securities and purchased financial assets with credit deterioration. ASU 2016-13 was originally effective for all annual and interim periods beginning after December 31, 2019, with early adoption permitted for fiscal years beginning after December 15, 2018. Adoption will be applied through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective. In November 2019, the FASB issued guidance that addresses issues raised by stakeholders during the implementation of ASU 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments”. The amendments affect a variety of Topics in the Accounting Standards Codification. For public business entities that meet the definition of a smaller reporting company, such as the Company, the amendments are effective for fiscal years beginning after December 15, 2022 including interim periods within those fiscal years. Early adoption is permitted in any interim period as long as the Company has adopted to amendments in ASU 2016-13. Currently, the Company does not expect to adopt the ASU before the effective period. Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies that do not require adoption until a future date are not expected to have a material impact on the consolidated financial statements upon adoption.

Nature of Business and Basis _3

Nature of Business and Basis of Presentation (Tables)	3 Months Ended
	Mar. 31, 2020
Accounting Policies [Abstract]
Schedule of breakdown of loans modified	The table below provides a breakdown of loan modification requests due to the COVID-19 pandemic by type of concession. March 31, 2020 (dollars in thousands) # Loans Amount % of Total Portfolio Payment deferrals 252 $ 208,555 10.3 % Interest only 170 168,723 8.3 % Financial difficulty (TDR) 6 2,925 0.1 % 428 $ 380,203 18.7 %
Schdeule of Identifies Segments and Outstanding, Committed and Modified Loan Balances	The table below identifies these segments as well as the outstanding, committed and modified loan balances for each industry. March 31, 2020 % of % of Total Total Committed Total Balance Loans Committed Balance Modified (dollars in thousands) Outstanding Outstanding Balance Outstanding Balance % Modified Religious organizations $ 56,306 2.8% $ 88,422 63.6% $ 1,539 2.7% Entertainment facilities 4,605 0.2% 9,464 48.7% 255 5.5% Hotels 82,227 4.1% 104,155 78.9% 6,050 7.4% Personal care businesses 1,349 0.1% 1,385 97.4% 137 10.2% Restaurants 48,352 2.4% 53,526 90.3% 3,673 7.6% Sports facilities 22,229 1.1% 22,882 97.1% 683 3.1% Travel related businesses 3,328 0.2% 4,085 81.5% 555 16.7% Private healthcare facilities 36,462 1.8% 41,899 87.0% 12,531 34.4% Non-essential retail 154,450 7.6% 160,702 96.1% 13,843 9.0% Total $ 409,308 20.2% $ 486,520 84.1% $ 39,266 9.6%

Investment Securities (Tables)

Investment Securities (Tables)	3 Months Ended
	Mar. 31, 2020
Investments, Debt and Equity Securities [Abstract]
Schedule of Amortized Costs and Fair Value of Investment Securities	The amortized costs and fair value of investment securities are as follows: March 31, 2020 Amortized Gross Unrealized Fair (dollars in thousands) Cost Gains Losses Value Available for sale US government agencies $ 500 - 1 499 SBA securities 519 - 18 501 State and political subdivisions 9,385 295 1 9,679 Asset-backed securities 12,929 - 643 12,286 Mortgage-backed securities FHLMC 10,034 270 4 10,300 FNMA 33,057 702 135 33,624 GNMA 3,565 53 - 3,618 Total mortgage-backed securities 46,656 1,025 139 47,542 Total investment securities available for sale $ 69,989 1,320 802 70,507 December 31, 2019 Amortized Gross Unrealized Fair Cost Gains Losses Value Available for sale US government agencies $ 500 - 1 499 SBA securities 550 - 19 531 State and political subdivisions 4,205 3 24 4,184 Asset-backed securities 13,351 - 184 13,167 Mortgage-backed securities FHLMC 10,609 14 15 10,608 FNMA 35,275 34 169 35,140 GNMA 3,581 5 21 3,565 Total mortgage-backed securities 49,465 53 205 49,313 Total $ 68,071 56 433 67,694
Schedule of Fair Values Investment Securities Available for Contractual Maturities	Contractual maturities and yields on the Company’s investment securities at March 31, 2020 and December 31, 2019 are shown in the following table. Expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. March 31, 2020 Less than one year One to five years Five to ten years Over ten years Total (dollars in thousands) Amount Yield Amount Yield Amount Yield Amount Yield Amount Yield Available for sale US government agencies $ - - 499 1.11% - - - - 499 1.11% SBA securities - - - - - - 501 2.39% 501 2.39% State and political subdivisions - - - - 972 2.65% 8,707 2.86% 9,679 2.84% Asset-backed securities - - - - 1,402 2.22% 10,884 2.45% 12,286 2.43% Mortgage-backed securities - - 3,224 1.80% 8,263 2.05% 36,055 2.34% 47,542 2.25% Total $ - - 3,723 1.71% 10,637 2.13% 56,147 2.44% 70,507 2.36% December 31, 2019 Less than one year One to five years Five to ten years Over ten years Total (dollars in thousands) Amount Yield Amount Yield Amount Yield Amount Yield Amount Yield Available for sale US government agencies $ - - 499 1.97% - - - - 499 1.97% SBA securities - - - - - - 531 2.62% 531 2.62% State and political subdivisions - - 808 2.81% 1,283 2.96% 2,093 2.67% 4,184 2.79% Asset-backed securities - - - - 1,493 2.34% 11,674 2.61% 13,167 2.58% Mortgage-backed securities - - 3,368 1.78% 7,638 2.00% 38,307 2.24% 49,313 2.17% Total $ - - 4,675 1.98% 10,414 2.17% 52,605 2.34% 67,694 2.29%
Schedule of Gross Unrealized Losses on Investment Securities and Fair Market Value of Related Securities	The tables below summarize gross unrealized losses on investment securities and the fair market value of the related securities at March 31, 2020 and December 31, 2019, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position. March 31, 2020 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized (dollars in thousands) # value losses # value losses # value losses Available for sale US government agencies 1 $ 499 $ 1 - $ - $ - 1 $ 499 $ 1 SBA securities - - - 1 501 18 1 501 18 State and political subdivisions 1 505 1 - - - 1 505 1 Asset-backed securities 5 5,489 365 5 6,797 278 10 12,286 643 Mortgage-backed securities FHLMC 1 258 4 - - - 1 258 4 FNMA - - - 4 2,778 135 4 2,778 135 Total 8 $ 6,751 $ 371 10 $ 10,076 $ 431 18 $ 16,827 $ 802 December 31, 2019 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized (dollars in thousands) # value losses # value losses # value losses Available for sale US government agencies 1 $ 499 $ 1 - $ - $ - 1 $ 499 $ 1 SBA securities - - - 1 531 19 1 531 19 State and political subdivisions 2 2,093 24 - - - 2 2,093 24 Asset-backed securities 5 5,921 68 5 7,246 116 10 13,167 184 Mortgage-backed securities FHLMC 4 3,842 2 4 2,323 13 8 6,165 15 FNMA 14 15,500 67 11 9,462 102 25 24,962 169 GNMA 2 2,240 6 1 734 15 3 2,974 21 Total 28 $ 30,095 $ 168 22 $ 20,296 $ 265 50 $ 50,391 $ 433
Schedule of Other Investments	Other investments are comprised of the following and are recorded at cost which approximates fair value. (dollars in thousands) March 31, 2020 December 31, 2019 Federal Home Loan Bank stock $ 4,803 6,386 Other investments 135 159 Investment in Trust Preferred securities 403 403 Total other investments $ 5,341 6,948

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Tables)	3 Months Ended
	Mar. 31, 2020
Financing Receivable, Allowance for Credit Loss [Line Items]
Schedule of Composition of Loan Portfolio	The following table summarizes the composition of our loan portfolio. Total gross loans are recorded net of deferred loan fees and costs, which totaled $3.6 million as of March 31, 2020 and $3.3 million as of December 31, 2019. March 31, 2020 December 31, 2019 (dollars in thousands) Amount % of Total Amount % of Total Commercial Owner occupied RE $ 422,124 20.8% $ 407,851 21.0% Non-owner occupied RE 534,846 26.3% 501,878 25.8% Construction 74,758 3.7% 80,486 4.1% Business 317,702 15.7% 308,123 15.9% Total commercial loans 1,349,430 66.5% 1,298,338 66.8% Consumer Real estate 427,697 21.1% 398,245 20.5% Home equity 183,099 9.0% 179,738 9.3% Construction 45,240 2.2% 41,471 2.1% Other 24,795 1.2% 25,733 1.3% Total consumer loans 680,831 33.5% 645,187 33.2% Total gross loans, net of deferred fees 2,030,261 100.0% 1,943,525 100.0% Less—allowance for loan losses (22,462 ) (16,642 ) Total loans, net $ 2,007,799 $ 1,926,883
Schedule of Loan Maturity Distribution by Type and Related Interest Rate	The information in the following tables summarizes the loan maturity distribution by type and related interest rate characteristics based on the contractual maturities of individual loans, including loans which may be subject to renewal at their contractual maturity. Renewal of such loans is subject to review and credit approval, as well as modification of terms upon maturity. Actual repayments of loans may differ from the maturities reflected below, because borrowers have the right to prepay obligations with or without prepayment penalties. March 31, 2020 After one One year but within After five (dollars in thousands) or less five years years Total Commercial Owner occupied RE $ 35,613 143,626 242,885 422,124 Non-owner occupied RE 53,806 276,462 204,578 534,846 Construction 12,178 28,280 34,300 74,758 Business 86,055 151,281 80,366 317,702 Total commercial loans 187,652 599,649 562,129 1,349,430 Consumer Real estate 15,969 74,920 336,808 427,697 Home equity 8,207 26,334 148,558 183,099 Construction 14,698 1,121 29,421 45,240 Other 5,696 14,763 4,336 24,795 Total consumer loans 44,570 117,138 519,123 680,831 Total gross loans, net of deferred fees $ 232,222 716,787 1,081,252 2,030,261 Loans maturing after one year with: Fixed interest rates $ 1,425,015 Floating interest rates 373,024 December 31, 2019 After one One year but within After five (dollars in thousands) or less five years years Total Commercial Owner occupied RE $ 40,476 147,945 219,430 407,851 Non-owner occupied RE 55,187 267,879 178,812 501,878 Construction 31,035 19,278 30,173 80,486 Business 84,452 146,051 77,620 308,123 Total commercial loans 211,150 581,153 506,035 1,298,338 Consumer Real estate 16,663 82,445 299,137 398,245 Home equity 9,921 25,828 143,989 179,738 Construction 13,405 1,222 26,844 41,471 Other 6,422 15,022 4,289 25,733 Total consumer 46,411 124,517 474,259 645,187 Total gross loan, net of deferred fees $ 257,561 705,670 980,294 1,943,525 Loans maturing after one year with: Fixed interest rates $ 1,310,744 Floating interest rates 375,220
Schedule of Nonperforming Assets, Including Nonaccruing TDRs	Following is a summary of our nonperforming assets, including nonaccruing TDRs. (dollars in thousands) March 31, 2020 December 31, 2019 Commercial Owner occupied RE $ - - Non-owner occupied RE 3,268 188 Construction - - Business 231 235 Consumer Real estate 1,821 1,829 Home equity 427 431 Construction - - Other - - Nonaccruing troubled debt restructurings 4,186 4,111 Total nonaccrual loans, including nonaccruing TDRs 9,933 6,794 Other real estate owned - - Total nonperforming assets $ 9,933 6,794 Nonperforming assets as a percentage of: Total assets 0.42 % 0.30 % Gross loans 0.49 % 0.35 % Total loans over 90 days past due $ 2,181 2,038 Loans over 90 days past due and still accruing - - Accruing troubled debt restructurings 7,939 5,219
Schedule of Key Information for Impaired Loans	The table below summarizes key information for impaired loans. The Company’s impaired loans include loans on nonaccrual status and loans modified in a TDR, whether on accrual or nonaccrual status. These impaired loans may have estimated impairment which is included in the allowance for loan losses. The Company’s commercial and consumer impaired loans are evaluated individually to determine the related allowance for loan losses. March 31, 2020 Recorded investment Impaired loans Impaired loans Unpaid with no related with related Related Principal Impaired allowance for allowance for allowance for (dollars in thousands) Balance loans loan losses loan losses loan losses Commercial Owner occupied RE $ 2,787 2,722 2,268 454 76 Non-owner occupied RE 7,586 7,085 5,485 1,600 486 Construction - - - - - Business 2,628 2,539 540 1,999 824 Total commercial 13,001 12,346 8,293 4,053 1,386 Consumer Real estate 3,036 3,030 1,966 1,064 362 Home equity 2,403 2,352 2,174 178 65 Construction - - - - - Other 144 144 - 144 15 Total consumer 5,583 5,526 4,140 1,386 442 Total $ 18,584 17,872 12,433 5,439 1,828 December 31, 2019 Recorded investment Impaired loans Impaired loans Unpaid with no related with related Related Principal Impaired allowance for allowance for allowance for (dollars in thousands) Balance loans loan losses loan losses loan losses Commercial Owner occupied RE $ 2,791 2,726 2,270 456 75 Non-owner occupied RE 4,512 4,051 2,419 1,632 465 Construction - - - - - Business 1,620 1,531 558 973 452 Total commercial 8,923 8,308 5,247 3,061 992 Consumer Real estate 2,727 2,720 1,638 1,082 364 Home equity 885 838 459 379 66 Construction - - - - - Other 147 147 - 147 16 Total consumer 3,759 3,705 2,097 1,608 446 Total $ 12,682 12,013 7,344 4,669 1,438
Schedule of Average Recorded Investment and Interest Income Recognized on Impaired Loans	The following table provides the average recorded investment in impaired loans and the amount of interest income recognized on impaired loans after impairment by portfolio segment and class. Three months ended Three months ended Year ended March 31, 2020 March 31, 2019 December 31, 2019 Average Recognized Average Recognized Average Recognized recorded interest recorded interest recorded interest (dollars in thousands) investment income investment income investment income Commercial Owner occupied RE $ 2,725 18 2,757 30 2,739 128 Non-owner occupied RE 7,108 62 2,977 49 4,161 255 Construction - - - - - - Business 2,553 28 2,567 40 1,582 79 Total commercial 12,386 108 8,301 119 8,482 462 Consumer Real estate 3,036 26 2,761 25 2,771 131 Home equity 2,355 12 1,677 30 853 42 Construction - - - - - - Other 145 1 157 1 153 5 Total consumer 5,536 39 4,595 56 3,777 178 Total $ 17,922 147 12,896 175 12,259 640
Schedule of Allowance for Loan Losses by Commercial and Consumer Portfolio Segments	The following table summarizes the activity related to the allowance for loan losses by commercial and consumer portfolio segments: Three months ended March 31, 2020 Commercial Consumer Owner Non-owner occupied occupied Real Home (dollars in thousands) RE RE Construction Business Estate equity Construction Other Total Balance, beginning of period $ 2,835 4,304 541 3,692 3,278 1,447 268 277 16,642 Provision for loan losses 1,170 1,711 153 1,006 1,326 381 147 106 6,000 Loan charge-offs - (221 ) - - - - - (45 ) (266 ) Loan recoveries - - - 16 2 68 - - 86 Net loan charge-offs - (221 ) - 16 2 68 - (45 ) (180 ) Balance, end of period $ 4,005 5,794 694 4,714 4,606 1,896 415 338 22,462 Net charge-offs to average loans (annualized) 0.04 % Allowance for loan losses to gross loans 1.11 % Allowance for loan losses to nonperforming loans 226.14 % Three months ended March 31, 2019 Commercial Consumer Owner Non-owner occupied occupied Real Home (dollars in thousands) RE RE Construction Business Estate equity Construction Other Total Balance, beginning of period $ 2,726 3,811 615 3,616 3,081 1,348 275 290 15,762 Provision for loan losses 57 74 (43 ) 171 (56 ) 61 7 29 300 Loan charge-offs - - - - - - - (41 ) (41 ) Loan recoveries - 1 - 9 16 1 - 3 30 Net loan charge-offs - 1 - 9 16 1 - (38 ) (11 ) Balance, end of period $ 2,783 3,886 572 3,796 3,041 1,410 282 281 16,051 Net charge-offs to average loans (annualized) 0.00 % Allowance for loan losses to gross loans 0.93 % Allowance for loan losses to nonperforming loans 265.35 %
Schedule of Allowance for Loan Losses and Recorded Investment in Loans by Impairment	The following table disaggregates the allowance for loan losses and recorded investment in loans by impairment methodology. March 31, 2020 Allowance for loan losses Recorded investment in loans (dollars in thousands) Commercial Consumer Total Commercial Consumer Total Individually evaluated $ 1,386 442 1,828 12,346 5,526 17,872 Collectively evaluated 13,822 6,812 20,634 1,337,084 675,305 2,012,389 Total $ 15,208 7,254 22,462 1,349,430 680,831 2,030,261 December 31, 2019 Allowance for loan losses Recorded investment in loans (dollars in thousands) Commercial Consumer Total Commercial Consumer Total Individually evaluated $ 992 446 1,438 8,308 3,705 12,013 Collectively evaluated 10,380 4,824 15,204 1,290,030 641,482 1,931,512 Total $ 11,372 5,270 16,642 1,298,338 645,187 1,943,525
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Summary of breakdown of outstanding loans by risk category	The tables below provide a breakdown of outstanding consumer loans by risk category. March 31, 2020 (dollars in thousands) Real estate Home equity Construction Other Total Pass $ 420,588 178,520 45,240 24,487 668,835 Special mention 3,717 1,097 - 242 5,056 Substandard 3,392 3,482 - 66 6,940 Doubtful - - - - - $ 427,697 183,099 45,240 24,795 680,831 December 31, 2019 (dollars in thousands) Real estate Home equity Construction Other Total Pass $ 392,572 176,532 41,471 25,421 635,996 Special mention 2,267 775 - 261 3,303 Substandard 3,406 2,431 - 51 5,888 Doubtful - - - - - $ 398,245 179,738 41,471 25,733 645,187
Summary of outstanding commercial and consumer loans which include loans on nonaccrual by past due status	The following tables provide past due information for outstanding consumer loans and include loans on nonaccrual status as well as accruing TDRs. March 31, 2020 (dollars in thousands) Real estate Home equity Construction Other Total Current $ 426,127 180,486 45,240 24,790 676,643 30-59 days past due 559 1,527 - 5 2,091 60-89 days past due - 886 - - 886 Greater than 90 Days 1,011 200 - - 1,211 $ 427,697 183,099 45,240 24,795 680,831 December 31, 2019 (dollars in thousands) Real estate Home equity Construction Other Total Current $ 396,445 179,051 41,471 25,650 642,617 30-59 days past due 799 369 - 83 1,251 60-89 days past due - 118 - - 118 Greater than 90 Days 1,001 200 - - 1,201 $ 398,245 179,738 41,471 25,733 645,187
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Summary of breakdown of outstanding loans by risk category	The tables below provide a breakdown of outstanding commercial loans by risk category. March 31, 2020 Owner Non-owner (dollars in thousands) occupied RE occupied RE Construction Business Total Pass $ 418,504 525,927 74,758 310,953 1,330,142 Special mention 1,321 865 - 3,271 5,457 Substandard 2,299 8,054 - 3,478 13,831 Doubtful - - - - - $ 422,124 534,846 74,758 317,702 1,349,430 December 31, 2019 Owner Non-owner occupied RE occupied RE Construction Business Total Pass $ 404,237 492,941 80,486 301,504 1,279,168 Special mention 1,312 744 - 3,108 5,164 Substandard 2,302 8,193 - 3,511 14,006 Doubtful - - - - - $ 407,851 501,878 80,486 308,123 1,298,338
Summary of outstanding commercial and consumer loans which include loans on nonaccrual by past due status	The following tables provide past due information for outstanding commercial loans and include loans on nonaccrual status as well as accruing TDRs. March 31, 2020 Owner Non-owner (dollars in thousands) occupied RE occupied RE Construction Business Total Current $ 419,978 531,119 74,758 315,562 1,341,417 30-59 days past due 1,595 3,275 - 1,909 6,779 60-89 days past due - 264 - - 264 Greater than 90 Days 551 188 - 231 970 $ 422,124 534,846 74,758 317,702 1,349,430 December 31, 2019 Owner Non-owner occupied RE occupied RE Construction Business Total Current $ 406,594 501,676 80,486 307,710 1,296,466 30-59 days past due 706 151 - 178 1,035 60-89 days past due - - - - - Greater than 90 Days 551 51 - 235 837 $ 407,851 501,878 80,486 308,123 1,298,338

Troubled Debt Restructurings (T

Troubled Debt Restructurings (Tables)	3 Months Ended
	Mar. 31, 2020
Troubled Debt Restructurings [Abstract]
Schedule of Concession at the Time of Modification and the Recorded Investment In Our Tdrs Before and After Their Modification	The following table summarizes the concession at the time of modification and the recorded investment in the Company’s TDRs before and after their modification for the three months ended March 31, 2020. There were no loans determined to be a TDR during the three months ended March 31, 2019. For the three months ended March 31, 2020 Pre- Post- modification modification Renewals Reduced Converted Maturity Total outstanding outstanding deemed a or deferred to interest date Number recorded recorded (dollars in thousands) concession payments only extensions of loans investment investment Commercial Business 1 1 $ 1,037 $ 1,037 Consumer Real estate 1 1 322 322 Home equity 3 - - - 3 1,522 1,522 Total loans 5 - - - 5 $ 2,881 $ 2,881

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2020
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Outstanding Financial Derivative Instruments	The following table summarizes the Company’s outstanding financial derivative instruments at March 31, 2020 and December 31, 2019. March 31, 2020 Fair Value (dollars in thousands) Notional Balance Sheet Location Asset/(Liability) Mortgage loan interest rate lock commitments $ 109,337 Other assets $ 1,649 MBS forward sales commitments 63,000 Other liabilities (1,087 ) Total derivative financial instruments $ 172,337 $ 562 December 31, 2019 Fair Value (dollars in thousands) Notional Balance Sheet Location Asset/(Liability) Mortgage loan interest rate lock commitments $ 26,446 Other assets $ 344 MBS forward sales commitments 20,500 Other liabilities (39 ) Total derivative financial instruments $ 46,946 $ 305

Fair Value Accounting (Tables)

Fair Value Accounting (Tables)	3 Months Ended
	Mar. 31, 2020
Fair Value Disclosures [Abstract]
Schedule of Assets And Liabilities Measured at Fair Value on Recurring Basis	The tables below present the recorded amount of assets and liabilities measured at fair value on a recurring basis as of March 31, 2020 and December 31, 2019. March 31, 2020 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Securities available for sale US government agencies $ - 499 - 499 SBA securities - 501 - 501 State and political subdivisions - 9,679 - 9,679 Asset-backed securities - 12,286 - 12,286 Mortgage-backed securities - 47,542 - 47,542 Mortgage loans held for sale - 34,948 - 34,948 Mortgage loan interest rate lock commitments - 1,649 - 1,649 Total assets measured at fair value on a recurring basis $ - 107,104 - 107,104 Liabilities MBS forward sales commitments $ - 1,087 - 1,087 Total liabilities measured at fair value on a recurring basis $ - 1,087 - 1,087 December 31, 2019 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Securities available for sale: US government agencies $ - 499 - 499 SBA securities - 531 - 531 State and political subdivisions - 4,184 - 4,184 Asset-backed securities - 13,167 - 13,167 Mortgage-backed securities - 49,313 - 49,313 Mortgage loans held for sale - 27,046 - 27,046 Mortgage loan interest rate lock commitments - 344 - 344 Total assets measured at fair value on a recurring basis $ - 95,084 - 95,084 Liabilities MBS forward sales commitments $ - 39 - 39 Total liabilities measured at fair value on a recurring basis $ - 39 - 39
Schedule of Assets And Liabilities Measured at Fair Value on Nonrecurring Basis	The tables below present the recorded amount of assets and liabilities measured at fair value on a nonrecurring basis as of March 31, 2020 and December 31, 2019. As of March 31, 2020 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Impaired loans $ - 10,552 5,492 16,044 Total assets measured at fair value on a nonrecurring basis $ - 10,552 5,492 16,044 As of December 31, 2019 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Impaired loans $ - 5,634 4,941 10,575 Total assets measured at fair value on a nonrecurring basis $ - 5,634 4,941 10,575
Schedule of Estimated Fair Values of the Company's Financial Instruments	The estimated fair values of the Company’s financial instruments at March 31, 2020 and December 31, 2019 are as follows: March 31, 2020 Carrying Fair (dollars in thousands) Amount Value Level 1 Level 2 Level 3 Financial Assets: Other investments, at cost $ 5,341 5,341 - - 5,341 Loans 1 1,989,927 1,942,206 - - 1,942,206 Financial Liabilities: Deposits 2,025,698 1,947,258 - 1,947,258 - FHLB and other borrowings 65,000 65,021 - 65,021 - Subordinated debentures 35,917 31,989 - 31,989 - December 31, 2019 Carrying Fair (dollars in thousands) Amount Value Level 1 Level 2 Level 3 Financial Assets: Other investments, at cost $ 6,948 6,948 - - 6,948 Loans 1 1,914,870 1,900,216 - - 1,900,216 Financial Liabilities: Deposits 1,876,124 1,772,121 - 1,772,121 - FHLB and other borrowings 110,000 109,737 - 109,737 - Subordinated debentures 35,890 33,250 - 33,250 - 1

Leases (Tables)

Leases (Tables)	3 Months Ended
	Mar. 31, 2020
Leases [Abstract]
Maturities of lease liabilities	Maturities of lease liabilities as of March 31, 2020 were as follows: (dollars in thousands) Operating 2020 $ 1,581 2021 2,152 2022 1,400 2023 1,273 2024 1,305 Thereafter 17,405 Total undiscounted lease payments 25,116 Discount effect of cash flows 5,407 Total lease liability $ 19,709

Earnings Per Common Share (Tabl

Earnings Per Common Share (Tables)	3 Months Ended
	Mar. 31, 2020
Earnings per common share
Schedule of Earnings Per Share Calculation	The following schedule reconciles the numerators and denominators of the basic and diluted earnings per share computations for the three-month periods ended March 31, 2020 and 2019. Dilutive common shares arise from the potentially dilutive effect of the Company’s stock options that were outstanding at March 31, 2020. The assumed conversion of stock options can create a difference between basic and dilutive net income per common share. At March 31, 2020 and 2019, there were 288,053 and 271,034 options, respectively, that were not considered in computing diluted earnings per common share because they were anti-dilutive. Three months ended (dollars in thousands, except share data) 2020 2019 Numerator: Net income available to common shareholders $ 2,832 6,009 Denominator: Weighted-average common shares outstanding – basic 7,678,598 7,459,342 Common stock equivalents 148,575 282,518 Weighted-average common shares outstanding – diluted 7,827,173 7,741,860 Earnings per common share: Basic $ 0.37 0.81 Diluted $ 0.36 0.78

Reportable Segments (Tables)

Reportable Segments (Tables)	3 Months Ended
	Mar. 31, 2020
Segment Reporting [Abstract]
Schedule of Financial Information for Each Reportable Segment	The following schedule presents financial information for each reportable segment. Three months ended Three months ended (dollars in thousands) Commercial Mortgage Corporate Elimin- Consol- Commercial Mortgage Corporate Elimin- Consol- Interest income $ 23,670 196 4 (4) 23,866 $ 21,519 93 3 (3) 21,612 Interest expense 5,333 - 439 (4) 5,768 5,631 - 166 (3) 5,794 Net interest income (loss) 18,337 196 (435) - 18,098 15,888 93 (163 ) - 15,818 Provision for loan losses 6,000 - - - 6,000 300 - - - 300 Noninterest income 1,248 2,668 - - 3,916 1,137 1,857 - - 2,994 Noninterest expense 10,499 1,807 66 - 12,372 9,465 1,123 60 - 10,648 Net income (loss) before taxes 3,086 1,057 (501) - 3,642 7,260 827 (223 ) - 7,864 Income tax provision (benefit) 693 222 (105) - 810 1,728 174 (47 ) - 1,855 Net income (loss) $ 2,393 835 (396) - 2,832 $ 5,532 653 (176 ) - 6,009 Total assets $ 2,335,160 36,577 246,424 (245,912) 2,372,249 $ 2,002,957 11,003 194,671 (194,205 ) 2,014,426

Nature of Business and Basis _4

Nature of Business and Basis of Presentation (Narrative) (Details) $ in Thousands	1 Months Ended	3 Months Ended
	Apr. 21, 2020USD ($)	Mar. 31, 2020USD ($)Investments	Mar. 16, 2020	Mar. 03, 2020
Federal reserve reduced target federal funds rate basis point			1.00%	0.50%
Number of clients | Investments		428
Loan deferrals or payments amount		$ 380,203
Percentage of deferrals of payments		18.70%
Outstanding balance		$ 409,308
Percentage of outstanding balance		20.20%
Commercial Loan [Member]
Percentage of deferrals of payments		93.30%
Subsequent Event [Member]
Number of clients	750
Loan deferrals or payments amount	$ 591,800
Outstanding balance	$ 413,400
Percentage of outstanding balance	48.00%
Subsequent Event [Member] | Holding Company [Member]
Line of credit	$ 15,000

Nature of Business and Basis _5

Nature of Business and Basis of Presentation (Schedule of breakdown of loan modification requests) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)Investments
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans | Investments	428
Amount	$ 380,203
% of Total portfolio	18.70%
Payment deferrals [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans	252
Amount	$ 208,555
% of Total portfolio	10.30%
Interest Only [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans	170
Amount	$ 168,723
% of Total portfolio	8.30%
Financial difficulty (TDR) [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans	6
Amount	$ 2,925
% of Total portfolio	0.10%

Nature of Business and Basis _6

Nature of Business and Basis of Presentation (Schdeule of Identifies Segments and Loan Balances) (Details) $ in Thousands	Mar. 31, 2020USD ($)
Financing Receivable, Troubled Debt Restructuring [Line Items]
Balance Outstanding	$ 409,308
% of Total Loans Outstanding	20.20%
Total Committed Balance	$ 486,520
% of Committed Balance Outstanding	84.10%
Total Modified Balance	$ 39,266
% Modified	9.60%
Religious organizations [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Balance Outstanding	$ 56,306
% of Total Loans Outstanding	2.80%
Total Committed Balance	$ 88,422
% of Committed Balance Outstanding	63.60%
Total Modified Balance	$ 1,539
% Modified	2.70%
Entertainment Facilities [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Balance Outstanding	$ 4,605
% of Total Loans Outstanding	0.20%
Total Committed Balance	$ 9,464
% of Committed Balance Outstanding	48.70%
Total Modified Balance	$ 255
% Modified	5.50%
Hotels [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Balance Outstanding	$ 82,227
% of Total Loans Outstanding	4.10%
Total Committed Balance	$ 104,155
% of Committed Balance Outstanding	78.90%
Total Modified Balance	$ 6,050
% Modified	7.40%
Personal care businesses [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Balance Outstanding	$ 1,349
% of Total Loans Outstanding	0.10%
Total Committed Balance	$ 1,385
% of Committed Balance Outstanding	97.40%
Total Modified Balance	$ 137
% Modified	10.20%
Restaurants [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Balance Outstanding	$ 48,352
% of Total Loans Outstanding	2.40%
Total Committed Balance	$ 53,526
% of Committed Balance Outstanding	90.30%
Total Modified Balance	$ 3,673
% Modified	7.60%
Sports facilities [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Balance Outstanding	$ 22,229
% of Total Loans Outstanding	1.10%
Total Committed Balance	$ 22,882
% of Committed Balance Outstanding	97.10%
Total Modified Balance	$ 683
% Modified	3.10%
Travel related businesses [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Balance Outstanding	$ 3,328
% of Total Loans Outstanding	0.20%
Total Committed Balance	$ 4,085
% of Committed Balance Outstanding	81.50%
Total Modified Balance	$ 555
% Modified	16.70%
Private healthcare facilities [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Balance Outstanding	$ 36,462
% of Total Loans Outstanding	1.80%
Total Committed Balance	$ 41,899
% of Committed Balance Outstanding	87.00%
Total Modified Balance	$ 12,531
% Modified	34.40%
Non-essential retail [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Balance Outstanding	$ 154,450
% of Total Loans Outstanding	7.60%
Total Committed Balance	$ 160,702
% of Committed Balance Outstanding	96.10%
Total Modified Balance	$ 13,843
% Modified	9.00%

Investment Securities (Narrativ

Investment Securities (Narrative) (Details) $ in Millions	Mar. 31, 2020USD ($)Investments	Dec. 31, 2019Investments
Investment Securities (Textual)
Fair market value, less than 12 months, number of investments | Investments	8	28
Fair market value, less than 12 months | $	$ 6.8
Fair market value, 12 months or longer, number of investments | Investments	10
Fair market value, 12 months or longer | $	$ 10.1

Investment Securities (Schedule

Investment Securities (Schedule of Amortized Costs and Fair Value of Investment Securities) (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2020	Dec. 31, 2019
Available for sale
Total investment securities available for sale, Amortized Cost	$ 69,989	$ 68,071
Total investment securities available for sale, Gross Unrealized Gains	1,320	56
Total investment securities available for sale, Gross Unrealized Losses	802	433
Available-for-sale securities, investment securities, Fair Value	70,507	67,694
US Government Agencies [Member]
Available for sale
Total investment securities available for sale, Amortized Cost	500	500
Total investment securities available for sale, Gross Unrealized Gains
Total investment securities available for sale, Gross Unrealized Losses	1	1
Available-for-sale securities, investment securities, Fair Value	499	499
SBA Securities [Member]
Available for sale
Total investment securities available for sale, Amortized Cost	519	550
Total investment securities available for sale, Gross Unrealized Gains
Total investment securities available for sale, Gross Unrealized Losses	18	19
Available-for-sale securities, investment securities, Fair Value	501	531
State and Political Subdivisions [Member]
Available for sale
Total investment securities available for sale, Amortized Cost	9,385	4,205
Total investment securities available for sale, Gross Unrealized Gains	295	3
Total investment securities available for sale, Gross Unrealized Losses	1	24
Available-for-sale securities, investment securities, Fair Value	9,679	4,184
Asset-backed Securities [Member]
Available for sale
Total investment securities available for sale, Amortized Cost	12,929	13,351
Total investment securities available for sale, Gross Unrealized Gains
Total investment securities available for sale, Gross Unrealized Losses	643	184
Available-for-sale securities, investment securities, Fair Value	12,286	13,167
Mortgage Backed Securities [Member]
Available for sale
Total investment securities available for sale, Amortized Cost	46,656	49,465
Total investment securities available for sale, Gross Unrealized Gains	1,025	53
Total investment securities available for sale, Gross Unrealized Losses	139	205
Available-for-sale securities, investment securities, Fair Value	47,542	49,313
Mortgage Backed Securities [Member] | FHLMC [Member]
Available for sale
Total investment securities available for sale, Amortized Cost	10,034	10,609
Total investment securities available for sale, Gross Unrealized Gains	270	14
Total investment securities available for sale, Gross Unrealized Losses	4	15
Available-for-sale securities, investment securities, Fair Value	10,300	10,608
Mortgage Backed Securities [Member] | FNMA [Member]
Available for sale
Total investment securities available for sale, Amortized Cost	33,057	35,275
Total investment securities available for sale, Gross Unrealized Gains	702	34
Total investment securities available for sale, Gross Unrealized Losses	135	169
Available-for-sale securities, investment securities, Fair Value	33,624	35,140
Mortgage Backed Securities [Member] | GNMA [Member]
Available for sale
Total investment securities available for sale, Amortized Cost	3,565	3,581
Total investment securities available for sale, Gross Unrealized Gains	53	5
Total investment securities available for sale, Gross Unrealized Losses		21
Available-for-sale securities, investment securities, Fair Value	$ 3,618	$ 3,565

Investment Securities (Schedu_2

Investment Securities (Schedule of Fair Values Investment Securities Available for Contractual Maturities) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Available for sale
Contractual Maturities, Less than one year, Amount
Contractual Maturities, Less than one year, Yield
Contractual Maturities, One to five years, Amount	$ 3,723	$ 4,675
Contractual Maturities, One to five years, Yield	1.71%	1.98%
Contractual Maturities, Five to ten years, Amount	$ 10,637	$ 10,414
Contractual Maturities, Five to ten years, Yield	2.13%	2.17%
Contractual Maturities, Over ten years, Amount	$ 56,147	$ 52,605
Contractual Maturities, Over ten years, Yield	2.44%	2.34%
Contractual Maturities, Total, Amount	$ 70,507	$ 67,694
Contractual Maturities, Total, Yield	2.36%	2.29%
US Government Agencies [Member]
Available for sale
Contractual Maturities, Less than one year, Amount
Contractual Maturities, Less than one year, Yield
Contractual Maturities, One to five years, Amount	$ 499	$ 499
Contractual Maturities, One to five years, Yield	1.11%	1.97%
Contractual Maturities, Five to ten years, Amount
Contractual Maturities, Five to ten years, Yield
Contractual Maturities, Over ten years, Amount
Contractual Maturities, Over ten years, Yield
Contractual Maturities, Total, Amount	$ 499	$ 499
Contractual Maturities, Total, Yield	1.11%	1.97%
SBA Securities [Member]
Available for sale
Contractual Maturities, Less than one year, Amount
Contractual Maturities, Less than one year, Yield
Contractual Maturities, One to five years, Amount
Contractual Maturities, One to five years, Yield
Contractual Maturities, Five to ten years, Amount
Contractual Maturities, Five to ten years, Yield
Contractual Maturities, Over ten years, Amount	$ 501	$ 531
Contractual Maturities, Over ten years, Yield	2.39%	2.62%
Contractual Maturities, Total, Amount	$ 501	$ 531
Contractual Maturities, Total, Yield	2.39%	2.62%
State and Political Subdivisions [Member]
Available for sale
Contractual Maturities, Less than one year, Amount
Contractual Maturities, Less than one year, Yield
Contractual Maturities, One to five years, Amount		$ 808
Contractual Maturities, One to five years, Yield		2.81%
Contractual Maturities, Five to ten years, Amount	$ 972	$ 1,283
Contractual Maturities, Five to ten years, Yield	2.65%	2.96%
Contractual Maturities, Over ten years, Amount	$ 8,707	$ 2,093
Contractual Maturities, Over ten years, Yield	2.86%	2.67%
Contractual Maturities, Total, Amount	$ 9,679	$ 4,184
Contractual Maturities, Total, Yield	2.84%	2.79%
Asset-backed Securities [Member]
Available for sale
Contractual Maturities, Less than one year, Amount
Contractual Maturities, Less than one year, Yield
Contractual Maturities, One to five years, Amount
Contractual Maturities, One to five years, Yield
Contractual Maturities, Five to ten years, Amount	$ 1,402	$ 1,493
Contractual Maturities, Five to ten years, Yield	2.22%	2.34%
Contractual Maturities, Over ten years, Amount	$ 10,884	$ 11,674
Contractual Maturities, Over ten years, Yield	2.45%	2.61%
Contractual Maturities, Total, Amount	$ 12,286	$ 13,167
Contractual Maturities, Total, Yield	2.43%	2.58%
Mortgage Backed Securities [Member]
Available for sale
Contractual Maturities, Less than one year, Amount
Contractual Maturities, Less than one year, Yield
Contractual Maturities, One to five years, Amount	$ 3,224	$ 3,368
Contractual Maturities, One to five years, Yield	1.80%	1.78%
Contractual Maturities, Five to ten years, Amount	$ 8,263	$ 7,638
Contractual Maturities, Five to ten years, Yield	2.05%	2.00%
Contractual Maturities, Over ten years, Amount	$ 36,055	$ 38,307
Contractual Maturities, Over ten years, Yield	2.34%	2.24%
Contractual Maturities, Total, Amount	$ 47,542	$ 49,313
Contractual Maturities, Total, Yield	2.25%	2.17%

Investment Securities (Schedu_3

Investment Securities (Schedule of Gross Unrealized Losses on Investment Securities and Fair Market Value) (Details) $ in Thousands	Mar. 31, 2020USD ($)Investments	Dec. 31, 2019USD ($)Investments
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	8	28
Available for sale Securities, Less than 12 months, Fair value	$ 6,751	$ 30,095
Available for sale Securities, Less than 12 months, Unrealized losses	$ 371	$ 168
Available for sale Securities, 12 months or longer, Number of investments | Investments	10	22
Available for sale Securities, 12 months or longer, Fair value	$ 10,076	$ 20,296
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 431	$ 265
Available for sale Securities, Total, Number of investments | Investments	18	50
Available for sale Securities, Total, Fair value	$ 16,827	$ 50,391
Available for sale Securities, Total, Unrealized losses	$ 802	$ 433
US Government Agencies [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	1	1
Available for sale Securities, Less than 12 months, Fair value	$ 499	$ 499
Available for sale Securities, Less than 12 months, Unrealized losses	$ 1	1
Available for sale Securities, 12 months or longer, Number of investments | Investments
Available for sale Securities, 12 months or longer, Fair value
Available for sale Securities, 12 months or Longer, Unrealized losses
Available for sale Securities, Total, Number of investments | Investments	1	1
Available for sale Securities, Total, Fair value	$ 499	$ 499
Available for sale Securities, Total, Unrealized losses	$ 1	$ 1
SBA Securities [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments
Available for sale Securities, Less than 12 months, Fair value
Available for sale Securities, Less than 12 months, Unrealized losses
Available for sale Securities, 12 months or longer, Number of investments | Investments	1	1
Available for sale Securities, 12 months or longer, Fair value	$ 501	$ 531
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 18	$ 19
Available for sale Securities, Total, Number of investments | Investments	1	1
Available for sale Securities, Total, Fair value	$ 501	$ 531
Available for sale Securities, Total, Unrealized losses	$ 18	$ 19
State and Political Subdivisions [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	1	2
Available for sale Securities, Less than 12 months, Fair value	$ 505	$ 2,093
Available for sale Securities, Less than 12 months, Unrealized losses	$ 1	24
Available for sale Securities, 12 months or longer, Number of investments | Investments
Available for sale Securities, 12 months or longer, Fair value
Available for sale Securities, 12 months or Longer, Unrealized losses
Available for sale Securities, Total, Number of investments | Investments	1	2
Available for sale Securities, Total, Fair value	$ 505	$ 2,093
Available for sale Securities, Total, Unrealized losses	$ 1	$ 24
Asset-backed Securities [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	5	5
Available for sale Securities, Less than 12 months, Fair value	$ 5,489	$ 5,921
Available for sale Securities, Less than 12 months, Unrealized losses	$ 365	$ 68
Available for sale Securities, 12 months or longer, Number of investments | Investments	5	5
Available for sale Securities, 12 months or longer, Fair value	$ 6,797	$ 7,246
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 278	$ 116
Available for sale Securities, Total, Number of investments | Investments	10	10
Available for sale Securities, Total, Fair value	$ 12,286	$ 13,167
Available for sale Securities, Total, Unrealized losses	$ 643	$ 184
Mortgage Backed Securities [Member] | FHLMC [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	1	4
Available for sale Securities, Less than 12 months, Fair value	$ 258	$ 3,842
Available for sale Securities, Less than 12 months, Unrealized losses	$ 4	$ 2
Available for sale Securities, 12 months or longer, Number of investments | Investments		4
Available for sale Securities, 12 months or longer, Fair value		$ 2,323
Available for sale Securities, 12 months or Longer, Unrealized losses		$ 13
Available for sale Securities, Total, Number of investments | Investments	1	8
Available for sale Securities, Total, Fair value	$ 258	$ 6,165
Available for sale Securities, Total, Unrealized losses	$ 4	$ 15
Mortgage Backed Securities [Member] | FNMA [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments		14
Available for sale Securities, Less than 12 months, Fair value		$ 15,500
Available for sale Securities, Less than 12 months, Unrealized losses		$ 67
Available for sale Securities, 12 months or longer, Number of investments | Investments	4	11
Available for sale Securities, 12 months or longer, Fair value	$ 2,778	$ 9,462
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 135	$ 102
Available for sale Securities, Total, Number of investments | Investments	4	25
Available for sale Securities, Total, Fair value	$ 2,778	$ 24,962
Available for sale Securities, Total, Unrealized losses	$ 135	$ 169
Mortgage Backed Securities [Member] | GNMA [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments		2
Available for sale Securities, Less than 12 months, Fair value		$ 2,240
Available for sale Securities, Less than 12 months, Unrealized losses		$ 6
Available for sale Securities, 12 months or longer, Number of investments | Investments		1
Available for sale Securities, 12 months or longer, Fair value		$ 734
Available for sale Securities, 12 months or Longer, Unrealized losses		$ 15
Available for sale Securities, Total, Number of investments | Investments		3
Available for sale Securities, Total, Fair value		$ 2,974
Available for sale Securities, Total, Unrealized losses		$ 21

Investment Securities (Schedu_4

Investment Securities (Schedule of Other Investments) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Other investments
Federal Home Loan Bank stock	$ 4,803	$ 6,386
Other investments	135	159
Investment in Trust Preferred securities	403	403
Total other investments	$ 5,341	$ 6,948

Mortgage Loans Held for Sale (N

Mortgage Loans Held for Sale (Narrative) (Details) - USD ($) $ in Millions	Mar. 31, 2020	Dec. 31, 2019
Mortgage Loans Held for Sale (Textual)
Mortgage loans held for sale, fair value	$ 34.9	$ 27

Loans and Allowance for Loan _3

Loans and Allowance for Loan Losses (Narrative) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Financing Receivable, Allowance for Credit Loss [Line Items]
Part of loans of 30 days or more past due as a percentage of total loan portfolio	0.60%	0.23%
Net of deferred loan fees and costs	$ 3,600	$ 3,300
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Part of loans of 30 days or more past due as a percentage of total loan portfolio	0.39%	0.10%
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Part of loans of 30 days or more past due as a percentage of total loan portfolio	0.21%	0.13%

Loans and Allowance for Loan _4

Loans and Allowance for Loan Losses (Schedule of Composition of Loan Portfolio) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 2,030,261	$ 1,943,525
Total gross loans, net of deferred fees, (Percentage)	100.00%	100.00%
Less-allowance for loan losses	$ (22,462)	$ (16,642)
Total loans, net	2,007,799	1,926,883
Commercial Loan [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 1,349,430	$ 1,298,338
Total gross loans, net of deferred fees, (Percentage)	66.50%	66.80%
Commercial Loan [Member] | Owner Occupied Re [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 422,124	$ 407,851
Total gross loans, net of deferred fees, (Percentage)	20.80%	21.00%
Commercial Loan [Member] | Non Owner Occupied Re [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 534,846	$ 501,878
Total gross loans, net of deferred fees, (Percentage)	26.30%	25.80%
Commercial Loan [Member] | Business Loan [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 317,702	$ 308,123
Total gross loans, net of deferred fees, (Percentage)	15.70%	15.90%
Commercial Loan [Member] | Construction Loans [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 74,758	$ 80,486
Total gross loans, net of deferred fees, (Percentage)	3.70%	4.10%
Consumer Loan [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 680,831	$ 645,187
Total gross loans, net of deferred fees, (Percentage)	33.50%	33.20%
Consumer Loan [Member] | Other Consumer [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 24,795	$ 25,733
Total gross loans, net of deferred fees, (Percentage)	1.20%	1.30%
Consumer Loan [Member] | Construction Loans [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 45,240	$ 41,471
Total gross loans, net of deferred fees, (Percentage)	2.20%	2.10%
Consumer Loan [Member] | Real Estate Loan [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 427,697	$ 398,245
Total gross loans, net of deferred fees, (Percentage)	21.10%	20.50%
Consumer Loan [Member] | Home Equity Loan [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 183,099	$ 179,738
Total gross loans, net of deferred fees, (Percentage)	9.00%	9.30%

Loans and Allowance for Loan _5

Loans and Allowance for Loan Losses (Schedule of Loan Maturity Distribution by Type and Related Interest Rate) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	$ 232,222	$ 257,561
Total gross loans, net of deferred fees, After one but within five years	716,787	705,670
Total gross loans, net of deferred fees, After five years	1,081,252	980,294
Total gross loans, net of deferred fees	2,030,261	1,943,525
Loans maturing after one year with: fixed interest rates	1,425,015	1,310,744
Loans maturing after one year with: floating interest rates	373,024	375,220
Commercial Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	187,652	211,150
Total gross loans, net of deferred fees, After one but within five years	599,649	581,153
Total gross loans, net of deferred fees, After five years	562,129	506,035
Total gross loans, net of deferred fees	1,349,430	1,298,338
Commercial Loan [Member] | Owner Occupied Re [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	35,613	40,476
Total gross loans, net of deferred fees, After one but within five years	143,626	147,945
Total gross loans, net of deferred fees, After five years	242,885	219,430
Total gross loans, net of deferred fees	422,124	407,851
Commercial Loan [Member] | Non Owner Occupied Re [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	53,806	55,187
Total gross loans, net of deferred fees, After one but within five years	276,462	267,879
Total gross loans, net of deferred fees, After five years	204,578	178,812
Total gross loans, net of deferred fees	534,846	501,878
Commercial Loan [Member] | Business Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	86,055	84,452
Total gross loans, net of deferred fees, After one but within five years	151,281	146,051
Total gross loans, net of deferred fees, After five years	80,366	77,620
Total gross loans, net of deferred fees	317,702	308,123
Commercial Loan [Member] | Construction Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	12,178	31,035
Total gross loans, net of deferred fees, After one but within five years	28,280	19,278
Total gross loans, net of deferred fees, After five years	34,300	30,173
Total gross loans, net of deferred fees	74,758	80,486
Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	44,570	46,411
Total gross loans, net of deferred fees, After one but within five years	117,138	124,517
Total gross loans, net of deferred fees, After five years	519,123	474,259
Total gross loans, net of deferred fees	680,831	645,187
Consumer Loan [Member] | Other Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	5,696	6,422
Total gross loans, net of deferred fees, After one but within five years	14,763	15,022
Total gross loans, net of deferred fees, After five years	4,336	4,289
Total gross loans, net of deferred fees	24,795	25,733
Consumer Loan [Member] | Construction Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	14,698	13,405
Total gross loans, net of deferred fees, After one but within five years	1,121	1,222
Total gross loans, net of deferred fees, After five years	29,421	26,844
Total gross loans, net of deferred fees	45,240	41,471
Consumer Loan [Member] | Real Estate Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	15,969	16,663
Total gross loans, net of deferred fees, After one but within five years	74,920	82,445
Total gross loans, net of deferred fees, After five years	336,808	299,137
Total gross loans, net of deferred fees	427,697	398,245
Consumer Loan [Member] | Home Equity Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	8,207	9,921
Total gross loans, net of deferred fees, After one but within five years	26,334	25,828
Total gross loans, net of deferred fees, After five years	148,558	143,989
Total gross loans, net of deferred fees	$ 183,099	$ 179,738

Loans and Allowance for Loan _6

Loans and Allowance for Loan Losses (Schedule of Outstanding Commercial and Consumer Loans as Non-Accruals by Class) (Details) - Commercial Loan [Member] - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Outstanding commercial and consumer loans which include loans on nonaccrual status
Current	$ 1,341,417	$ 1,296,466
30-59 days past due	6,779	1,035
60-89 days past due	264
Greater than 90 days	970	837
Total commercial loans	1,349,430	1,298,338
Owner Occupied Re [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Current	419,978	406,594
30-59 days past due	1,595	706
60-89 days past due
Greater than 90 days	551	551
Total commercial loans	422,124	407,851
Non Owner Occupied Re [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Current	531,119	501,676
30-59 days past due	3,275	151
60-89 days past due	264
Greater than 90 days	188	51
Total commercial loans	534,846	501,878
Construction Loans [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Current	74,758	80,486
30-59 days past due
60-89 days past due
Greater than 90 days
Total commercial loans	74,758	80,486
Business Loan [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Current	315,562	307,710
30-59 days past due	1,909	178
60-89 days past due
Greater than 90 days	231	235
Total commercial loans	$ 317,702	$ 308,123

Loans and Allowance for Loan _7

Loans and Allowance for Loan Losses (Schedule of Breakdown of Outstanding Loans by Risk Category) (Details) - Commercial Loan [Member] - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	$ 1,349,430	$ 1,298,338
Pass [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	1,330,142	1,279,168
Special Mention [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	5,457	5,164
Substandard [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	13,831	14,006
Doubtful [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans
Owner Occupied Re [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	422,124	407,851
Owner Occupied Re [Member] | Pass [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	418,504	404,237
Owner Occupied Re [Member] | Special Mention [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	1,321	1,312
Owner Occupied Re [Member] | Substandard [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	2,299	2,302
Owner Occupied Re [Member] | Doubtful [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans
Non Owner Occupied Re [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	534,846	501,878
Non Owner Occupied Re [Member] | Pass [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	525,927	492,941
Non Owner Occupied Re [Member] | Special Mention [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	865	744
Non Owner Occupied Re [Member] | Substandard [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	8,054	8,193
Non Owner Occupied Re [Member] | Doubtful [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans
Construction Loans [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	74,758	80,486
Construction Loans [Member] | Pass [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	74,758	80,486
Construction Loans [Member] | Special Mention [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans
Construction Loans [Member] | Substandard [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans
Construction Loans [Member] | Doubtful [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans
Business Loan [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	317,702	308,123
Business Loan [Member] | Pass [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	310,953	301,504
Business Loan [Member] | Special Mention [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	3,271	3,108
Business Loan [Member] | Substandard [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	3,478	3,511
Business Loan [Member] | Doubtful [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans

Loans and Allowance for Loan _8

Loans and Allowance for Loan Losses (Schedule of Aging of Past Due Loans) (Details) - Consumer Loan [Member] - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Outstanding commercial and consumer loans which include loans on nonaccrual status
Current	$ 676,643	$ 642,617
30-59 days past due	2,091	1,251
60-89 days past due	886	118
Greater than 90 days	1,211	1,201
Total consumer loans	680,831	645,187
Other Consumer [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Current	24,790	25,650
30-59 days past due	5	83
60-89 days past due
Greater than 90 days
Total consumer loans	24,795	25,733
Real Estate [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Current	426,127	396,445
30-59 days past due	559	799
60-89 days past due
Greater than 90 days	1,011	1,001
Total consumer loans	427,697	398,245
Home Equity Loan [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Current	180,486	179,051
30-59 days past due	1,527	369
60-89 days past due	886	118
Greater than 90 days	200	200
Total consumer loans	183,099	179,738
Construction Loans [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Current	45,240	41,471
30-59 days past due
60-89 days past due
Greater than 90 days
Total consumer loans	$ 45,240	$ 41,471

Loans and Allowance for Loan _9

Loans and Allowance for Loan Losses (Schedule of Outstanding Consumer Loans by Risk Category) (Details) - Consumer Loan [Member] - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	$ 680,831	$ 645,187
Other Consumer [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	24,795	25,733
Pass [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	668,835	635,996
Pass [Member] | Other Consumer [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	24,487	25,421
Special Mention [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	5,056	3,303
Special Mention [Member] | Other Consumer [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	242	261
Substandard [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	6,940	5,888
Substandard [Member] | Other Consumer [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	66	51
Doubtful [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans
Doubtful [Member] | Other Consumer [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans
Real Estate Loan [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	427,697	398,245
Real Estate Loan [Member] | Pass [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	420,588	392,572
Real Estate Loan [Member] | Special Mention [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	3,717	2,267
Real Estate Loan [Member] | Substandard [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	3,392	3,406
Real Estate Loan [Member] | Doubtful [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans
Home Equity Loan [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	183,099	179,738
Home Equity Loan [Member] | Pass [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	178,520	176,532
Home Equity Loan [Member] | Special Mention [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	1,097	775
Home Equity Loan [Member] | Substandard [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	3,482	2,431
Home Equity Loan [Member] | Doubtful [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans
Construction Loans [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	45,240	41,471
Construction Loans [Member] | Pass [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	45,240	41,471
Construction Loans [Member] | Special Mention [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans
Construction Loans [Member] | Substandard [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans
Construction Loans [Member] | Doubtful [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans

Loans and Allowance for Loan_10

Loans and Allowance for Loan Losses (Schedule of Nonperforming Assets, Including Nonaccruing TDRs) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Summary of nonperforming assets
Nonaccruing troubled debt restructurings	$ 4,186	$ 4,111
Total nonaccrual loans, including nonaccruing TDRs	9,933	6,794
Other real estate owned
Total nonperforming assets	$ 9,933	$ 6,794
Nonperforming assets as a percentage of:
Total assets	0.42%	0.30%
Gross loans	0.49%	0.35%
Total loans over 90 days past due	$ 2,181	$ 2,038
Loans over 90 days past due and still accruing
Accruing troubled debt restructurings	7,939	5,219
Commercial Loan [Member] | Owner Occupied Re [Member]
Summary of nonperforming assets
Nonaccruing
Commercial Loan [Member] | Non Owner Occupied Re [Member]
Summary of nonperforming assets
Nonaccruing	3,268	188
Commercial Loan [Member] | Business Loan [Member]
Summary of nonperforming assets
Nonaccruing	231	235
Commercial Loan [Member] | Construction Loans [Member]
Summary of nonperforming assets
Nonaccruing
Consumer Loan [Member] | Other Consumer [Member]
Summary of nonperforming assets
Nonaccruing
Consumer Loan [Member] | Construction Loans [Member]
Summary of nonperforming assets
Nonaccruing
Consumer Loan [Member] | Real Estate Loan [Member]
Summary of nonperforming assets
Nonaccruing	1,821	1,829
Consumer Loan [Member] | Home Equity Loan [Member]
Summary of nonperforming assets
Nonaccruing	$ 427	$ 431

Loans and Allowance for Loan_11

Loans and Allowance for Loan Losses (Schedule of Key Information for Impaired Loans) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Summary of key information for impaired loans
Unpaid Principal Balance	$ 18,584	$ 12,682
Impaired loans	17,872	12,013
Impaired loans with no related allowance for loan losses	12,433	7,344
Impaired loans with related allowance for loan losses	5,439	4,669
Related allowance for loan losses	1,828	1,438
Commercial Loan [Member]
Summary of key information for impaired loans
Unpaid Principal Balance	13,001	8,923
Impaired loans	12,346	8,308
Impaired loans with no related allowance for loan losses	8,293	5,247
Impaired loans with related allowance for loan losses	4,053	3,061
Related allowance for loan losses	1,386	992
Commercial Loan [Member] | Owner Occupied Re [Member]
Summary of key information for impaired loans
Unpaid Principal Balance	2,787	2,791
Impaired loans	2,722	2,726
Impaired loans with no related allowance for loan losses	2,268	2,270
Impaired loans with related allowance for loan losses	454	456
Related allowance for loan losses	76	75
Commercial Loan [Member] | Non Owner Occupied Re [Member]
Summary of key information for impaired loans
Unpaid Principal Balance	7,586	4,512
Impaired loans	7,085	4,051
Impaired loans with no related allowance for loan losses	5,485	2,419
Impaired loans with related allowance for loan losses	1,600	1,632
Related allowance for loan losses	486	465
Commercial Loan [Member] | Business Loan [Member]
Summary of key information for impaired loans
Unpaid Principal Balance	2,628	1,620
Impaired loans	2,539	1,531
Impaired loans with no related allowance for loan losses	540	558
Impaired loans with related allowance for loan losses	1,999	973
Related allowance for loan losses	824	452
Commercial Loan [Member] | Construction Loans [Member]
Summary of key information for impaired loans
Unpaid Principal Balance
Impaired loans
Impaired loans with no related allowance for loan losses
Impaired loans with related allowance for loan losses
Related allowance for loan losses
Consumer Loan [Member]
Summary of key information for impaired loans
Unpaid Principal Balance	5,583	3,759
Impaired loans	5,526	3,705
Impaired loans with no related allowance for loan losses	4,140	2,097
Impaired loans with related allowance for loan losses	1,386	1,608
Related allowance for loan losses	442	446
Consumer Loan [Member] | Other Consumer [Member]
Summary of key information for impaired loans
Unpaid Principal Balance	144	147
Impaired loans	144	147
Impaired loans with no related allowance for loan losses
Impaired loans with related allowance for loan losses	144	147
Related allowance for loan losses	15	16
Consumer Loan [Member] | Construction Loans [Member]
Summary of key information for impaired loans
Unpaid Principal Balance
Impaired loans
Impaired loans with no related allowance for loan losses
Impaired loans with related allowance for loan losses
Related allowance for loan losses
Consumer Loan [Member] | Real Estate Loan [Member]
Summary of key information for impaired loans
Unpaid Principal Balance	3,036	2,727
Impaired loans	3,030	2,720
Impaired loans with no related allowance for loan losses	1,966	1,638
Impaired loans with related allowance for loan losses	1,064	1,082
Related allowance for loan losses	362	364
Consumer Loan [Member] | Home Equity Loan [Member]
Summary of key information for impaired loans
Unpaid Principal Balance	2,403	885
Impaired loans	2,352	838
Impaired loans with no related allowance for loan losses	2,174	459
Impaired loans with related allowance for loan losses	178	379
Related allowance for loan losses	$ 65	$ 66

Loans and Allowance for Loan_12

Loans and Allowance for Loan Losses (Average Recorded Investment and Interest Income Recognized on Impaired Loans) (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	$ 17,922	$ 12,896	$ 12,259
Recognized interest income	147	175	640
Commercial Loan [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	12,386	8,301	8,482
Recognized interest income	108	119	462
Commercial Loan [Member] | Owner Occupied Re [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	2,725	2,757	2,739
Recognized interest income	18	30	128
Commercial Loan [Member] | Non Owner Occupied Re [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	7,108	2,977	4,161
Recognized interest income	62	49	255
Commercial Loan [Member] | Business Loan [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	2,553	2,567	1,582
Recognized interest income	28	40	79
Commercial Loan [Member] | Construction Loans [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment
Recognized interest income
Consumer Loan [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	5,536	4,595	3,777
Recognized interest income	39	56	178
Consumer Loan [Member] | Other Consumer [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	145	157	153
Recognized interest income	1	1	5
Consumer Loan [Member] | Construction Loans [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment
Recognized interest income
Consumer Loan [Member] | Real Estate Loan [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	3,036	2,761	2,771
Recognized interest income	26	25	131
Consumer Loan [Member] | Home Equity Loan [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	2,355	1,677	853
Recognized interest income	$ 12	$ 30	$ 42

Loans and Allowance for Loan_13

Loans and Allowance for Loan Losses (Allowance for Loan Losses by Commercial and Consumer Portfolio Segments) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	$ 16,642	$ 15,762
Provision for loan losses	6,000	300
Loan charge-offs	(266)	(41)
Loan recoveries	86	30
Net loan charge-offs	(180)	(11)
Balance, end of period	$ 22,462	$ 16,051
Net charge-offs to average loans (annualized)	0.04%	0.00%
Allowance for loan losses to gross loans	1.11%	0.93%
Allowance for loan losses to nonperforming loans	226.14%	265.35%
Commercial Loan [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	$ 11,372
Balance, end of period	15,208
Commercial Loan [Member] | Owner Occupied Re [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	2,835	$ 2,726
Provision for loan losses	1,170	57
Loan charge-offs
Loan recoveries
Net loan charge-offs
Balance, end of period	4,005	2,783
Commercial Loan [Member] | Non Owner Occupied Re [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	4,304	3,811
Provision for loan losses	1,711	74
Loan charge-offs	(221)
Loan recoveries		1
Net loan charge-offs	(221)	1
Balance, end of period	5,794	3,886
Commercial Loan [Member] | Business Loan [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	3,692	3,616
Provision for loan losses	1,006	171
Loan charge-offs
Loan recoveries	16	9
Net loan charge-offs	16	9
Balance, end of period	4,714	3,796
Commercial Loan [Member] | Construction Loans [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	541	615
Provision for loan losses	153	(43)
Loan charge-offs
Loan recoveries
Net loan charge-offs
Balance, end of period	694	572
Consumer Loan [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	5,270
Balance, end of period	7,254
Consumer Loan [Member] | Other Consumer [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	277	290
Provision for loan losses	106	29
Loan charge-offs	(45)	(41)
Loan recoveries		3
Net loan charge-offs	(45)	(38)
Balance, end of period	338	281
Consumer Loan [Member] | Construction Loans [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	268	275
Provision for loan losses	147	7
Loan charge-offs
Loan recoveries
Net loan charge-offs
Balance, end of period	415	282
Consumer Loan [Member] | Real Estate Loan [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	3,278	3,081
Provision for loan losses	1,326	(56)
Loan charge-offs
Loan recoveries	2	16
Net loan charge-offs	2	16
Balance, end of period	4,606	3,041
Consumer Loan [Member] | Home Equity Loan [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	1,447	1,348
Provision for loan losses	381	61
Loan charge-offs
Loan recoveries	68	1
Net loan charge-offs	68	1
Balance, end of period	$ 1,896	$ 1,410

Loans and Allowance for Loan_14

Loans and Allowance for Loan Losses (Allowance for Loan Losses and Recorded Investment in Loans by Impairment) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019	Mar. 31, 2019	Dec. 31, 2018
Allowance for Loan Losses and Recorded Investment in Loans by Impairment
Allowance for loan losses, Individually evaluated	$ 1,828	$ 1,438
Recorded investment in loans, Individually evaluated	17,872	12,013
Allowance for loan losses, Collectively evaluated	20,634	15,204
Recorded investment in loans, Collectively evaluated	2,012,389	1,931,512
Allowance for loan losses, Total	22,462	16,642	$ 16,051	$ 15,762
Recorded investment in loans, Total	2,030,261	1,943,525
Commercial Loan [Member]
Allowance for Loan Losses and Recorded Investment in Loans by Impairment
Allowance for loan losses, Individually evaluated	1,386	992
Recorded investment in loans, Individually evaluated	12,346	8,308
Allowance for loan losses, Collectively evaluated	13,822	10,380
Recorded investment in loans, Collectively evaluated	1,337,084	1,290,030
Allowance for loan losses, Total	15,208	11,372
Recorded investment in loans, Total	1,349,430	1,298,338
Consumer Loan [Member]
Allowance for Loan Losses and Recorded Investment in Loans by Impairment
Allowance for loan losses, Individually evaluated	442	446
Recorded investment in loans, Individually evaluated	5,526	3,705
Allowance for loan losses, Collectively evaluated	6,812	4,824
Recorded investment in loans, Collectively evaluated	675,305	641,482
Allowance for loan losses, Total	7,254	5,270
Recorded investment in loans, Total	$ 680,831	$ 645,187

Troubled Debt Restructurings (N

Troubled Debt Restructurings (Narrative) (Details) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2020USD ($)Investments	Dec. 31, 2019USD ($)Investments
Troubled Debt Restructurings (Textual)
Total number of loans classified under troubled debt restructurings (TDRs) | Investments	24	19
Total sum of loans classified as troubled debt restructurings (TDRs)	$ 12,100	$ 9,300
Number of months previous loan payment defaulted	12 months	12 months
Recorded investment	$ 380,203
Financial difficulty (TDR) [Member]
Troubled Debt Restructurings (Textual)
Total number of loans classified under troubled debt restructurings (TDRs) | Investments	3
Recorded investment	$ 2,925

Troubled Debt Restructurings (S

Troubled Debt Restructurings (Summary of Concession at the Time Of Modification) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)Investments
Summary of concession at the time of modification and the recorded investment in TDRs before and after their modification
Renewals deemed a concession	5
Reduced or deferred payments
Converted to interest only
Maturity date extensions
Total number of loans	5
Pre-modification outstanding recorded investment | $	$ 2,881
Post-modification outstanding recorded investment | $	$ 2,881
Commercial Loan [Member] | Business [Member]
Summary of concession at the time of modification and the recorded investment in TDRs before and after their modification
Renewals deemed a concession	1
Total number of loans	1
Pre-modification outstanding recorded investment | $	$ 1,037
Post-modification outstanding recorded investment | $	$ 1,037
Consumer Loan [Member] | Real Estate Loan [Member]
Summary of concession at the time of modification and the recorded investment in TDRs before and after their modification
Renewals deemed a concession	1
Total number of loans	1
Pre-modification outstanding recorded investment | $	$ 322
Post-modification outstanding recorded investment | $	$ 322
Consumer Loan [Member] | Home Equity Loan [Member]
Summary of concession at the time of modification and the recorded investment in TDRs before and after their modification
Renewals deemed a concession	3
Reduced or deferred payments
Converted to interest only
Maturity date extensions
Total number of loans	3
Pre-modification outstanding recorded investment | $	$ 1,522
Post-modification outstanding recorded investment | $	$ 1,522

Derivative Financial Instrume_3

Derivative Financial Instruments (Schedule of Outstanding Financial Derivative Instruments) (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2020	Dec. 31, 2019
Interest Rate Lock Commitments [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional	$ 109,337	$ 26,446
Balance Sheet Location, description	Other assets	Other assets
Fair Value, Asset/(Liability)	$ 1,649	$ 344
Securities Sold, Not yet Purchased [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional	$ 63,000	$ 20,500
Balance Sheet Location, description	Other liabilities	Other liabilities
Fair Value, Asset/(Liability)	$ (1,087)	$ (39)
Derivative [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional	172,337	46,946
Fair Value, Asset/(Liability)	$ 562	$ 305

Fair Value Accounting (Schedule

Fair Value Accounting (Schedule of Assets And Liabilities Measured at Fair Value on Recurring Basis) (Details) - Fair Value, Measurements, Recurring [Member] - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Securities available for sale
US government agencies	$ 499	$ 499
SBA securities	501	531
State and political subdivisions	9,679	4,184
Asset-backed securities	12,286	13,167
Mortgage-backed securities	47,542	49,313
Mortgage loans held for sale	34,948	27,046
Mortgage loan interest rate lock commitments	1,649	344
Total assets measured at fair value on a recurring basis	107,104	95,084
Liabilities
MBS forward sales commitments	1,087	39
Total liabilities measured at fair value on a recurring basis	1,087	39
Fair Value, Inputs, Level 1 [Member]
Securities available for sale
US government agencies
SBA securities
State and political subdivisions
Asset-backed securities
Mortgage-backed securities
Mortgage loans held for sale
Mortgage loan interest rate lock commitments
Total assets measured at fair value on a recurring basis
Liabilities
MBS forward sales commitments
Total liabilities measured at fair value on a recurring basis
Fair Value, Inputs, Level 2 [Member]
Securities available for sale
US government agencies	499	499
SBA securities	501	531
State and political subdivisions	9,679	4,184
Asset-backed securities	12,286	13,167
Mortgage-backed securities	47,542	49,313
Mortgage loans held for sale	34,948	27,046
Mortgage loan interest rate lock commitments	1,649	344
Total assets measured at fair value on a recurring basis	107,104	95,084
Liabilities
MBS forward sales commitments	1,087	39
Total liabilities measured at fair value on a recurring basis	1,087	39
Fair Value, Inputs, Level 3 [Member]
Securities available for sale
US government agencies
SBA securities
State and political subdivisions
Asset-backed securities
Mortgage-backed securities
Mortgage loans held for sale
Mortgage loan interest rate lock commitments
Total assets measured at fair value on a recurring basis
Liabilities
MBS forward sales commitments
Total liabilities measured at fair value on a recurring basis

Fair Value Accounting (Schedu_2

Fair Value Accounting (Schedule of Assets And Liabilities Measured at Fair Value on Nonrecurring Basis) (Details) - Fair Value, Measurements, Nonrecurring [Member] - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2020	Dec. 31, 2019
Assets
Impaired loans	$ 16,044	$ 10,575
Total assets measured at fair value on a nonrecurring basis	16,044	10,575
Fair Value, Inputs, Level 1 [Member]
Assets
Impaired loans
Total assets measured at fair value on a nonrecurring basis
Fair Value, Inputs, Level 2 [Member]
Assets
Impaired loans	10,552	5,634
Total assets measured at fair value on a nonrecurring basis	10,552	5,634
Fair Value, Inputs, Level 3 [Member]
Assets
Impaired loans	5,492	4,941
Total assets measured at fair value on a nonrecurring basis	$ 5,492	$ 4,941

Fair Value Accounting (Schedu_3

Fair Value Accounting (Schedule of Estimated Fair Values of the Company's Financial Instruments) (Details) - USD ($) $ in Thousands		Mar. 31, 2020	Dec. 31, 2019
Financial Assets:
Other investments, at cost, Carrying Amount		$ 5,341	$ 6,948
Loans, Carrying Amount		1,989,927	1,914,870
Other investments, at cost, Fair Value		5,341	6,948
Loans, Fair Value	[1]	1,942,206	1,900,216
Financial Liabilities:
Deposits, Carrying Amount		2,025,698	1,876,124
FHLB and other borrowings, Carrying Amount		65,000	110,000
Junior subordinated debentures, Carrying Amount		35,917	35,890
Deposits, Fair Value		1,947,258	1,772,121
FHLB and other borrowings, Fair Value		65,021	109,737
Junior subordinated debentures, Fair Value		31,989	33,250
Estimate Of Fair Value, Fair Value Disclosure [Member] | Fair Value, Inputs, Level 1 [Member]
Financial Assets:
Other investments, at cost, Fair Value
Loans, Fair Value	[1]
Financial Liabilities:
Deposits, Fair Value
FHLB and other borrowings, Fair Value
Junior subordinated debentures, Fair Value
Estimate Of Fair Value, Fair Value Disclosure [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Other investments, at cost, Fair Value
Loans, Fair Value	[1]
Financial Liabilities:
Deposits, Fair Value		1,947,258	1,772,121
FHLB and other borrowings, Fair Value		65,021	109,737
Junior subordinated debentures, Fair Value		31,989	33,250
Estimate Of Fair Value, Fair Value Disclosure [Member] | Fair Value, Inputs, Level 3 [Member]
Financial Assets:
Other investments, at cost, Fair Value		5,341	6,948
Loans, Fair Value	[1]	1,942,206	1,900,216
Financial Liabilities:
Deposits, Fair Value
FHLB and other borrowings, Fair Value
Junior subordinated debentures, Fair Value
[1]	Carrying amount is net of the allowance for loan losses and previously presented impaired loans.

Leases (Narrative) (Details)

Leases (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Leases (Textual)
Weighted average remaining life	7 years 9 months 11 days
Weighted average discount rate	2.86%
Operating lease costs	$ 596,000	$ 528,000
Operating lease, right-of-use asset	19,100		$ 19,500
Lease liabilities	$ 19,709		$ 20,100

Leases (Maturities of lease lia

Leases (Maturities of lease liabilities) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Leases [Abstract]
2020	$ 1,581
2021	2,152
2022	1,400
2023	1,273
2024	1,305
Thereafter	17,405
Total undiscounted lease payments	25,116
Discount effect of cash flows	5,407
Total lease liability	$ 19,709	$ 20,100

Earnings Per Common Share (Narr

Earnings Per Common Share (Narrative) (Details) - shares	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Earnings Per Common Share (Textual)
Antidilutive securities excluded from computation of earnings per share, amount	288,053	271,034

Earnings Per Common Share (Sche

Earnings Per Common Share (Schedule of earnings per share calculation) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Numerator:
Net income available to common shareholders	$ 2,832	$ 6,009
Denominator:
Weighted-average common shares outstanding - basic	7,678,598	7,459,342
Common stock equivalents	148,575	282,518
Weighted-average common shares outstanding - diluted	7,827,173	7,741,860
Earnings per common share:
Basic	$ 0.37	$ 0.81
Diluted	$ 0.36	$ 0.78

Reportable Segments (Narrative)

Reportable Segments (Narrative) (Details)	3 Months Ended
	Mar. 31, 2020Investments
Reportable Segments (Textual)
Number of segments	3

Reportable Segments (Schedule o

Reportable Segments (Schedule of financial information for each reportable segment) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Segment Reporting Information [Line Items]
Interest income	$ 23,866	$ 21,612
Interest expense	5,768	5,794
Net interest income (loss)	18,098	15,818
Provision for loan losses	6,000	300
Noninterest income	3,916	2,994
Noninterest expense	12,372	10,648
Net income (loss) before taxes	3,642	7,864
Income tax provision (benefit)	810	1,855
Net income (loss)	2,832	6,009
Total assets	2,372,249	2,014,426	$ 2,267,195
Commercial And Retail Banking [Member]
Segment Reporting Information [Line Items]
Interest income	23,670	21,519
Interest expense	5,333	5,631
Net interest income (loss)	18,337	15,888
Provision for loan losses	6,000	300
Noninterest income	1,248	1,137
Noninterest expense	10,499	9,465
Net income (loss) before taxes	3,086	7,260
Income tax provision (benefit)	693	1,728
Net income (loss)	2,393	5,532
Total assets	2,335,160	2,002,957
Mortgage Banking [Member]
Segment Reporting Information [Line Items]
Interest income	196	93
Interest expense
Net interest income (loss)	196	93
Provision for loan losses
Noninterest income	2,668	1,857
Noninterest expense	1,807	1,123
Net income (loss) before taxes	1,057	827
Income tax provision (benefit)	222	174
Net income (loss)	835	653
Total assets	36,577	11,003
Corporate Segment [Member]
Segment Reporting Information [Line Items]
Interest income	4	3
Interest expense	439	166
Net interest income (loss)	(435)	(163)
Provision for loan losses
Noninterest income
Noninterest expense	66	60
Net income (loss) before taxes	(501)	(223)
Income tax provision (benefit)	(105)	(47)
Net income (loss)	(396)	(176)
Total assets	246,424	194,671
Intersegment Eliminations [Member]
Segment Reporting Information [Line Items]
Interest income	(4)	(3)
Interest expense	(4)	(3)
Net interest income (loss)
Provision for loan losses
Noninterest income
Noninterest expense
Net income (loss) before taxes
Income tax provision (benefit)
Net income (loss)
Total assets	$ (245,912)	$ (194,205)