Loan Quality and Allowance for Loan Losses | Note 6 . Loan Quality and Allowance for Loan Losses The following table presents, by class, the activity in the Allowance for Loan Losses (ALL) for the periods shown: Residential Real Estate 1-4 Family First Junior Liens & Commercial (Dollars in thousands) Liens Lines of Credit Construction Real Estate Commercial Consumer Unallocated Total ALL at December 31, 2018 $ 491 $ 133 $ 108 $ 5,698 $ 4,511 $ 70 $ 1,404 $ 12,415 Charge-offs (33) (1) (3) (63) (61) (26) — (187) Recoveries 1 — — 1 42 10 — 54 Provision 28 — 47 270 70 18 (34) 399 ALL at March 31, 2019 $ 487 $ 132 $ 152 $ 5,906 $ 4,562 $ 72 $ 1,370 $ 12,681 ALL at December 31, 2017 $ 1,060 $ 330 $ 224 $ 6,526 $ 2,110 $ 105 $ 1,437 $ 11,792 Charge-offs - — — — — (26) — (26) Recoveries 1 — — — 8 14 — 23 Provision (18) (10) 36 172 (45) 11 54 200 ALL at March 31, 2018 $ 1,043 $ 320 $ 260 $ 6,698 $ 2,073 $ 104 $ 1,491 $ 11,989 The following table presents, by class, loans that were evaluated for the ALL under the specific reserve (individually) and those that were evaluated under the general reserve (collectively) and the amount of the ALL established in each class as of March 31, 2019 and December 31, 2018 : Residential Real Estate 1-4 Family First Junior Liens & Commercial (Dollars in thousands) Liens Lines of Credit Construction Real Estate Commercial Consumer Unallocated Total March 31, 2019 Loans evaluated for ALL: Individually $ 401 $ — $ 652 $ 13,247 $ — $ — $ — $ 14,300 Collectively 147,021 46,690 13,329 484,727 269,243 5,156 — 966,166 Total $ 147,422 $ 46,690 $ 13,981 $ 497,974 $ 269,243 $ 5,156 $ — $ 980,466 ALL established for loans evaluated: Individually $ — $ — $ — $ — $ — $ — $ — $ — Collectively 487 132 152 5,906 4,562 72 1,370 12,681 ALL at March 31, 2019 $ 487 $ 132 $ 152 $ 5,906 $ 4,562 $ 72 $ 1,370 $ 12,681 December 31, 2018 Loans evaluated for ALL: Individually $ 405 $ — $ 455 $ 10,099 $ 181 $ — $ — $ 11,140 Collectively 148,495 47,220 9,770 477,881 273,873 4,996 — 962,235 Total $ 148,900 $ 47,220 $ 10,225 $ 487,980 $ 274,054 $ 4,996 $ — $ 973,375 ALL established for loans evaluated: Individually $ — $ — $ — $ — $ — $ — $ — $ — Collectively 491 133 108 5,698 4,511 70 1,404 12,415 ALL at December 31, 2018 $ 491 $ 133 $ 108 $ 5,698 $ 4,511 $ 70 $ 1,404 $ 12,415 The following table shows additional information about those loans considered to be impaired at March 31, 2019 and December 31, 2018 : Impaired Loans With No Allowance With Allowance (Dollars in thousands) Unpaid Unpaid Recorded Principal Recorded Principal Related March 31, 2019 Investment Balance Investment Balance Allowance Residential Real Estate 1-4 Family First liens $ 889 $ 889 $ — $ — $ — Junior liens and lines of credit 44 44 — — — Total 933 933 — — — Residential real estate - construction 652 729 — — — Commercial real estate 13,446 14,022 — — — Commercial 129 146 — — — Total $ 15,160 $ 15,830 $ — $ — $ — December 31, 2018 Residential Real Estate 1-4 Family First liens $ 871 $ 958 $ — $ — $ — Junior liens and lines of credit 49 49 — — — Total 920 1,007 — — — Residential real estate - construction 455 531 — — — Commercial real estate 10,236 10,808 — — — Commercial 315 9,763 — — — Total $ 11,926 $ 22,109 $ — $ — $ — The following table shows the average of impaired loans and related interest income for the three months ended March 31, 2019 and 2018 : Three Months Ended Three Months Ended March 31, 2019 March 31, 2018 Average Interest Average Interest (Dollars in thousands) Recorded Income Recorded Income Investment Recognized Investment Recognized Residential Real Estate 1-4 Family First liens $ 893 $ 11 $ 805 $ 11 Junior liens and lines of credit 44 — — — Total 937 11 805 11 Residential real estate - construction 653 — 466 — Commercial real estate 13,494 102 10,994 105 Commercial 129 — 185 — Total $ 15,213 $ 113 $ 12,450 $ 116 The following table presents the aging of payments of the loan portfolio : (Dollars in thousands) Loans Past Due and Still Accruing Total Current 30-59 Days 60-89 Days 90 Days+ Total Non-Accrual Loans March 31, 2019 Residential Real Estate 1-4 Family First liens $ 146,866 $ 309 $ 30 $ 137 $ 476 $ 80 $ 147,422 Junior liens and lines of credit 46,588 29 29 18 76 26 46,690 Total 193,454 338 59 155 552 106 194,112 Residential real estate - construction 13,329 — — — — 652 13,981 Commercial real estate 491,462 438 1,331 — 1,769 4,743 497,974 Commercial 268,527 273 262 52 587 129 269,243 Consumer 5,135 21 — — 21 — 5,156 Total $ 971,907 $ 1,070 $ 1,652 $ 207 $ 2,929 $ 5,630 $ 980,466 December 31, 2018 Residential Real Estate 1-4 Family First liens $ 148,183 $ 322 $ 202 $ 113 $ 637 $ 80 $ 148,900 Junior liens and lines of credit 47,040 131 — 26 157 23 47,220 Total 195,223 453 202 139 794 103 196,120 Residential real estate - construction 9,572 — 198 — 198 455 10,225 Commercial real estate 481,774 1,343 3,323 113 4,779 1,427 487,980 Commercial 273,534 65 40 100 205 315 274,054 Consumer 4,933 46 12 5 63 — 4,996 Total $ 965,036 $ 1,907 $ 3,775 $ 357 $ 6,039 $ 2,300 $ 973,375 The following table reports the risk rating for th ose loan s in the portfolio that are assigned an individual risk rating. Consumer purpose loans are assigned a rating of either pass or substandard based on the performance status of the loans. Substandard consumer loans are comprised of loans 90 days or more past due and still accruing , and nonaccrual loans. Commercial purpose loans may be assigned any rating in accordance with the Bank’s internal risk rating system. Pass Special Mention Substandard Doubtful (Dollars in thousands) (1-5) (6) (7) (8) Total March 31, 2019 Residential Real Estate 1-4 Family First liens $ 146,986 $ — $ 436 $ — $ 147,422 Junior liens and lines of credit 46,646 — 44 — 46,690 Total 193,632 — 480 — 194,112 Residential real estate - construction 13,329 — 652 — 13,981 Commercial real estate 490,057 655 7,262 — 497,974 Commercial 268,345 — 898 — 269,243 Consumer 5,156 — — — 5,156 Total $ 970,519 $ 655 $ 9,292 $ — $ 980,466 December 31, 2018 Residential Real Estate 1-4 Family First liens $ 148,453 $ — $ 447 $ — $ 148,900 Junior liens and lines of credit 47,171 — 49 — 47,220 Total 195,624 — 496 — 196,120 Residential real estate - construction 9,572 — 653 — 10,225 Commercial real estate 479,969 660 7,351 — 487,980 Commercial 272,959 — 1,095 — 274,054 Consumer 4,991 — 5 — 4,996 Total $ 963,115 $ 660 $ 9,600 $ — $ 973,375 The following table presents information on the Bank’s Troubled Debt Restructuring (TDR) loans: Troubled Debt Restructurings Within the Last 12 Months That Have Defaulted (Dollars in thousands) Troubled Debt Restructurings On Modified Terms Number of Recorded Number of Recorded Contracts Investment Performing* Nonperforming* Contracts Investment March 31, 2019 Residential real estate - construction 1 $ 454 $ — $ 454 — $ — Residential real estate 4 673 673 — — — Commercial real estate 11 9,982 8,703 1,279 — — Total 16 $ 11,109 $ 9,376 $ 1,733 — $ — December 31, 2018 Residential real estate - construction 1 $ 455 $ — $ 455 — $ — Residential real estate 4 678 678 — — — Commercial real estate 11 10,099 8,809 1,290 — — Total 16 $ 11,232 $ 9,487 $ 1,745 — $ — * The performing status is determined by the loan’s compliance with the modified terms . There were no new TDR loans during 201 9 and 2018 . |