| Financing Receivables [Text Block] | NOTE 4 LOANS AND ALLOWANCE FOR LOAN LOSSES Loans Net loans are stated at their outstanding recorded investment, net of deferred fees and costs, unearned income and the allowance for loan losses. Interest on loans is recognized as income over the term of each loan, generally, by the accrual method. Loan origination fees and certain direct loan origination costs have been deferred with the net amount amortized using the straight line method or the interest method over the contractual life of the related loans as an interest yield adjustment. Residential mortgage loans held for sale are carried at the lower of cost or market on an aggregate basis determined by independent pricing from appropriate federal or state agency investors. These loans are sold without recourse. Loans held for sale amounted to $708,000 and $834,000 at March 31, 2018 and December 31, 2017, respectively. The loans receivable portfolio is segmented into commercial, residential and consumer loans. Commercial loans consist of the following classes: Commercial and Industrial and Commercial Real Estate. Commercial and Industrial Lending The Corporation originates commercial and industrial loans primarily to businesses located in its primary market area and surrounding areas. These loans are used for various business purposes, which include short-term loans and lines of credit to finance machinery and equipment, inventory and accounts receivable. Generally, the maximum term for loans extended on machinery and equipment is based on the projected useful life of such machinery and equipment. Most business lines of credit are written on demand and are reviewed annually. Commercial and industrial loans are generally secured with short-term assets; however, in many cases, additional collateral such as real estate is provided as additional security for the loan. Loan-to-value maximum thresholds have been established by the Corporation and are specific to the type of collateral. Collateral values may be determined using invoices, inventory reports, accounts receivable aging reports, business financial statements, collateral appraisals, etc. Commercial and industrial loans are typically secured by personal guarantees of the borrower. In underwriting commercial and industrial loans, an analysis is performed to evaluate the borrower's character and capacity to repay the loan, the adequacy of the borrower's capital and collateral, as well as the conditions affecting the borrower. Evaluation of the borrower's past, present and future cash flows is also an important aspect of the Corporation's analysis of the borrower’s ability to repay. Commercial and industrial loans generally present a higher level of risk than other types of loans due primarily to the effect of general economic conditions. Commercial and industrial loans are typically made on the basis of the borrower’s ability to make repayment from cash flows from the borrower’s primary business activities. As a result, the availability of funds for the repayment of commercial and industrial loans is dependent on the success of the business itself, which in turn, is likely to be dependent upon the general economic environment. Commercial Real Estate Lending The Corporation engages in commercial real estate lending in its primary market area and surrounding areas. The Corporation’s commercial real estate portfolio is secured primarily by commercial retail space, commercial office buildings, residential housing and hotels. Generally, commercial real estate loans have terms that do not exceed twenty years, have loan-to-value ratios of up to eighty percent of the value of the collateral property, and are typically secured by personal guarantees of the borrowers. In underwriting these loans, the Corporation performs a thorough analysis of the financial condition of the borrower, the borrower’s credit history, and the reliability and predictability of the cash flow generated by the property securing the loan. The value of the property is determined by either independent appraisers or internal evaluations by Bank officers. Commercial real estate loans generally present a higher level of risk than residential real estate secured loans. Repayment of loans secured by commercial real estate is typically dependent upon the successful operation of the related real estate project and/or the effect of the general economic conditions on income producing properties. Residential Real Estate Lending (Including Home Equity) The Corporation’s residential real estate portfolio is comprised of one-to-four family residential mortgage loan originations, home equity term loans and home equity lines of credit. These loans are generated by the Corporation’s marketing efforts, its present customers, walk-in customers and referrals. These loans originate primarily within or with customers from the Corporation’s market area. The Corporation’s one-to-four family residential mortgage originations are secured primarily by properties located in its primary market area and surrounding areas. The Corporation offers fixed-rate mortgage loans with terms up to a maximum of thirty years for both permanent structures and those under construction. Loans with terms of thirty years are normally held for sale and sold without recourse; most of the residential mortgages held in the Corporation’s residential real estate portfolio have maximum terms of twenty years. Generally, the majority of the Corporation’s residential mortgage loans originate with a loan-to-value of eighty percent or less, or those with primary mortgage insurance at ninety-five percent or less. Home equity term loans are secured by the borrower’s primary residence and typically have a maximum loan-to-value of eighty percent and a maximum term of fifteen years. In general, home equity lines of credit are secured by the borrower’s primary residence with a maximum loan-to-value of eighty percent and a maximum term of twenty years. In underwriting one-to-four family residential mortgage loans, the Corporation evaluates the borrower’s ability to make monthly payments, the borrower’s repayment history and the value of the property securing the loan. The ability and willingness to repay is determined by the borrower’s employment history, current financial conditions and credit background. A majority of the properties securing residential real estate loans made by the Corporation are appraised by independent appraisers. The Corporation generally requires mortgage loan borrowers to obtain an attorney’s title opinion or title insurance and fire and property insurance, including flood insurance, if applicable. Residential mortgage loans, home equity term loans and home equity lines of credit generally present a lower level of risk than consumer loans because they are secured by the borrower’s primary residence. Risk is increased when the Corporation is in a subordinate position, especially to another lender, for the loan collateral. Consumer Lending The Corporation offers a variety of secured and unsecured consumer loans, including vehicle loans, stock loans and loans secured by financial institution deposits. These loans originate primarily within or with customers from the market area. Consumer loan terms vary according to the type and value of collateral and creditworthiness of the borrower. In underwriting personal loans, a thorough analysis is performed regarding the borrower’s willingness and financial ability to repay the loan as agreed. The ability to repay is determined by the borrower’s employment history, current financial condition and credit background. Consumer loans may entail greater credit risk than residential real estate loans, particularly in the case of personal loans which are unsecured or are secured by rapidly depreciable assets, such as automobiles or recreational equipment. In such cases, repossessed collateral for a defaulted personal loan may not provide an adequate source of repayment of the outstanding loan balance as a result of the greater likelihood of damage, loss or depreciation. In addition, personal loan collections are dependent on the borrower’s continuing financial stability and therefore, are more likely to be affected by adverse personal circumstances. Furthermore, the application of various federal and state laws, including bankruptcy and insolvency laws, may limit the amount which can be recovered on such loans. Delinquent Loans Generally, a loan is considered to be past-due when scheduled loan payments are in arrears 10 days or more. Delinquent notices are generated automatically when a loan is 10 or 15 days past-due, depending on loan type. Collection efforts continue on past-due loans that have not been brought current, when it is believed that some chance exists for improvement in the status of the loan. Past-due loans are continually evaluated with the determination for charge-off being made when no reasonable chance remains that the status of the loan can be improved. Commercial and Industrial and Commercial Real Estate loans are charged off in whole or in part when they become sufficiently delinquent based upon the terms of the underlying loan contract and when a collateral deficiency exists. Because all or part of the contractual cash flows are not expected to be collected, the loan is considered to be impaired, and the Bank estimates the impairment based on its analysis of the cash flows or collateral estimated at fair value less cost to sell. Residential Real Estate and Consumer loans are charged off when they become sufficiently delinquent based upon the terms of the underlying loan contract and when the value of the underlying collateral is not sufficient to support the loan balance and a loss is expected. At that time, the amount of estimated collateral deficiency, if any, is charged off for loans secured by collateral, and all other loans are charged off in full. Loans with collateral are charged down to the estimated fair value of the collateral less cost to sell. Loans in which the borrower is in bankruptcy are considered on a case by case basis and are either charged off or reaffirmed by the borrower. Generally, a loan is classified as non-accrual and the accrual of interest on such a loan is discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan may currently be performing. A loan may remain on accrual status if it is well secured (or supported by a strong guarantee) and in the process of collection. When a loan is placed on non-accrual status, unpaid interest credited to income in the current year is reversed and unpaid interest accrued in prior years is charged against interest income. Certain non-accrual loans may continue to perform; that is, payments are still being received. Generally, the payments are applied to principal. These loans remain under constant scrutiny, and if performance continues, interest income may be recorded on a cash basis based on management's judgment as to collectability of principal. Allowance for Loan Losses The allowance for loan losses is established through provisions for loan losses charged against income. Loans deemed to be uncollectible are charged against the allowance for loan losses and subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is maintained at a level estimated by management to be adequate to absorb potential loan losses. Management’s periodic evaluation of the adequacy of the allowance for loan losses is based on the Corporation’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay (including the timing of future payments), the estimated value of any underlying collateral, composition of the loan portfolio, current economic conditions, and other relevant factors. This evaluation is inherently subjective as it requires material estimates including the amounts and timing of future cash flows expected to be received on impaired loans that may be susceptible to significant change. The allowance consists of specific, general and unallocated components. The specific component relates to loans that are individually classified as impaired. Select loans are not aggregated for collective impairment evaluation, as such; all loans are subject to individual impairment evaluation should the facts and circumstances pertinent to a particular loan suggest that such evaluation is necessary. Factors considered by management in determining impairment include payment status and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. If a loan is impaired, a portion of the allowance may be allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from collateral. Troubled debt restructurings are separately identified for impairment disclosures and are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a troubled debt restructuring is considered to be a collateral dependent loan, the loans may be reported, net, at the fair value of the collateral. For troubled debt restructurings that subsequently default, the Corporation determines the amount of reserve in accordance with the accounting policy for the allowance for loan losses. The general component covers all other loans not identified as impaired and is based on historical losses and qualitative factors. The historical loss component of the allowance is determined by losses recognized by portfolio segment over a time period that management has determined represents the current credit cycle. Qualitative factors impacting each portfolio segment may include: delinquency trends, loan volume trends, Bank policy changes, management processes and oversight, economic trends (including change in consumer and business disposable incomes, unemployment and under-employment levels, and other conditions), concentrations by industry or product, internal and external loan review processes, collateral value and market conditions, and external factors including regulatory issues and competition. The unallocated component of the allowance is maintained to cover uncertainties that could affect management’s estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio. A reserve for unfunded lending commitments is provided for possible credit losses on off-balance sheet credit exposures. The reserve for unfunded lending commitments represents management’s estimate of losses inherent in its unfunded loan commitments and, if necessary, is recorded in other liabilities on the Consolidated Balance Sheets. As of March 31, 2018 and December 31, 2017, the amount of the reserve for unfunded lending commitments was $170,000 and $116,000, respectively. The Corporation is subject to periodic examination by its federal and state examiners, and may be required by such regulators to recognize additions to the allowance for loan losses based on their assessment of credit information available to them at the time of their examinations. A loan is considered impaired when, based on current information and events, it is probable that the Bank will be unable to collect all amounts due according to the contractual terms of the original loan agreement. Under current accounting standards, the allowance for loan losses related to impaired loans is based on discounted cash flows using the loan’s effective interest rate at inception or the fair value of the collateral for certain collateral dependent loans. The restructuring of a loan is considered a “troubled debt restructuring” if both the following conditions are met: (i) the borrower is experiencing financial difficulties, and (ii) the Bank has granted a concession. The most common concessions granted include one or more modifications to the terms of the debt, such as (a) a reduction in the interest rate for the remaining life of the debt, (b) an extension of the maturity date at an interest rate lower than the current market rate for new debt with similar risk, (c) a temporary period of interest-only payments, and (d) a reduction in the contractual payment amount for either a short period or remaining term of the loan. A less common concession is the forgiveness of a portion of the principal. The determination of whether a borrower is experiencing financial difficulties takes into account not only the current financial condition of the borrower, but also the potential financial condition of the borrower were a concession not granted. Similarly, the determination of whether a concession has been granted is very subjective in nature. For example, simply extending the term of a loan at its original interest rate or even at a higher interest rate could be interpreted as a concession unless the borrower could readily obtain similar credit terms from a different lender. Loans modified in a troubled debt restructuring are considered impaired and may or may not be placed on non-accrual status until the Bank determines the future collection of principal and interest is reasonably assured, which generally requires that the borrower demonstrates a period of performance according to the restructured terms of six months. The Bank utilizes a risk grading matrix as a tool for managing credit risk in the loan portfolio and assigns an asset quality rating (risk grade) to all Commercial and Industrial, Commercial Real Estate, Residential Real Estate and Consumer borrowings. An asset quality rating is assigned using the guidance provided in the Bank’s loan policy. Primary responsibility for assigning the asset quality rating rests with the lender. The asset quality rating is validated periodically by both an internal and external loan review process. The commercial loan grading system focuses on a borrower’s financial strength and performance, experience and depth of management, primary and secondary sources of repayment, the nature of the business and the outlook for the particular industry. Primary emphasis is placed on financial condition and trends. The grade also reflects current economic and industry conditions; as well as other variables such as liquidity, cash flow, revenue/earnings trends, management strengths or weaknesses, quality of financial information, and credit history. The loan grading system for Residential Real Estate and Consumer loans focuses on the borrower’s credit score and credit history, debt-to-income ratio and income sources, collateral position and loan-to-value ratio, as well as other variables such as current economic conditions, and individual strengths and weaknesses. Risk grade characteristics are as follows: Risk Grade 1 MINIMAL RISK through Risk Grade 6 MANAGEMENT ATTENTION (Pass Grade Categories) Risk is evaluated via examination of several attributes including but not limited to financial trends, strengths and weaknesses, likelihood of repayment when considering both cash flow and collateral, sources of repayment, leverage position, management expertise, and repayment history. At the low-risk end of the rating scale, a risk grade of 1 Minimal Risk is the grade reserved for loans with exceptional credit fundamentals and virtually no risk of default or loss. Loan grades then progress through escalating ratings of 2 through 6 based upon risk. Risk Grade 2 Modest Risk are loans with sufficient cash flows; Risk Grade 3 Average Risk are loans with key balance sheet ratios slightly above the borrower’s peers; Risk Grade 4 Acceptable Risk are loans with key balance sheet ratios usually near the borrower’s peers, but one or more ratios may be higher; and Risk Grade 5 Marginally Acceptable are loans with strained cash flow, increasing leverage and/or weakening markets. Risk Grade 6 Management Attention are loans with weaknesses resulting from declining performance trends and the borrower’s cash flows may be temporarily strained. Loans in this category are performing according to terms, but present some type of potential concern. Risk Grade 7 SPECIAL MENTION (Non-Pass Category) Generally, these loans are currently protected, but are “potentially weak.” They constitute an undue and unwarranted credit risk but not to the point of justifying a classification of substandard. Assets in this category are protected but have potential weakness which may, if not checked or corrected, weaken the asset or inadequately protect the Bank’s credit position at some future date. No loss of principal or interest is envisioned; however, they constitute an undue credit risk that may be minor but is unwarranted in light of the circumstances surrounding a specific asset. Risk is increasing beyond that at which the loan originally would have been granted. Historically, cash flows are inconsistent; financial trends show some deterioration. Liquidity and leverage are above industry averages. Financial information could be incomplete or inadequate. A Special Mention asset has potential weaknesses that deserve management’s close attention. Risk Grade 8 SUBSTANDARD (Non-Pass Category) Generally, these assets are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Assets so classified must have “well-defined” weaknesses that jeopardize the full liquidation of the debt. These loans are characterized by the distinct possibility that the Bank will sustain some loss if the aggregate amount of substandard assets is not fully covered by the liquidation of the collateral used as security. Substandard loans have a high probability of payment default and require more intensive supervision by Bank management. Risk Grade 9 DOUBTFUL (Non-Pass Category) Generally, loans graded doubtful have all the weaknesses inherent in a substandard loan with the added factor that the weaknesses are pronounced to a point whereby the basis of current information, conditions, and values, collection or liquidation in full is deemed to be highly improbable. The possibility of loss is extremely high, but because of certain important and reasonably specific pending factors that may work to strengthen the asset, its classification is deferred until, for example, a proposed merger, acquisition, liquidation procedure, capital injection, perfection of liens on additional collateral and/or refinancing plan is completed. Loans are graded doubtful if they contain weaknesses so serious that collection or liquidation in full is questionable. (Dollars in thousands) Commercial and Industrial Commercial Real Estate March 31, December 31, March 31, December 31, 2018 2017 2018 2017 Grade: 1-6 Pass $ 105,794 $ 97,832 $ 276,671 $ 276,682 7 Special Mention 10 10 9,892 1,514 8 Substandard 1,221 1,334 11,759 12,210 9 Doubtful Add (deduct): Unearned discount and Net deferred loan fees and costs 150 161 613 564 Total loans $ 107,175 $ 99,337 $ 298,935 $ 290,970 Residential Real Estate Including Home Equity Consumer Loans March 31, December 31, March 31, December 31, 2018 2017 2018 2017 Grade: 1-6 Pass $ 160,215 $ 161,405 $ 5,302 $ 5,997 7 Special Mention 123 124 50 52 8 Substandard 1,385 1,444 23 24 9 Doubtful Add (deduct): Unearned discount and (1) (1) Net deferred loan fees and costs (49) (47) 86 92 Total loans $ 161,673 $ 162,925 $ 5,461 $ 6,165 Total Loans March 31, December 31, 2018 2017 Grade: 1-6 Pass $ 547,982 $ 541,916 7 Special Mention 10,075 1,700 8 Substandard 14,388 15,012 9 Doubtful Add (deduct): Unearned discount and (1) (1) Net deferred loan fees and costs 800 770 Total loans $ 573,244 $ 559,397 Commercial and Industrial and Commercial Real Estate include loans categorized as tax-free in the amounts of $ 42,128,000 2,278,000 40,926,000 2,315,000 708,000 834,000 (Dollars in thousands) Commercial Commercial Residential and Industrial Real Estate Real Estate Consumer Unallocated Total As of and for the three month period ended March 31, 2018: Allowance for Loan Losses: Beginning balance $ 949 $ 4,067 $ 1,656 $ 111 $ 704 $ 7,487 Charge-offs (117) (29) (13) (159) Recoveries 1 1 Provision 67 578 45 (3) (637) 50 Ending Balance $ 1,017 $ 4,528 $ 1,672 $ 95 $ 67 $ 7,379 Ending balance: individually evaluated for impairment $ $ 625 $ 20 $ $ $ 645 Ending balance: collectively evaluated for impairment $ 1,017 $ 3,903 $ 1,652 $ 95 $ 67 $ 6,734 Loans Receivable: Ending Balance $ 107,175 $ 298,935 $ 161,673 $ 5,461 $ $ 573,244 Ending balance: individually evaluated for impairment $ 1,188 $ 11,611 $ 994 $ $ $ 13,793 Ending balance: collectively evaluated for impairment $ 105,987 $ 287,324 $ 160,679 $ 5,461 $ $ 559,451 (Dollars in thousands) Commercial Commercial Residential and Industrial Real Estate Real Estate Consumer Unallocated Total As of and for the three month period ended March 31, 2017: Allowance for Loan Losses: Beginning balance $ 836 $ 4,421 $ 1,777 $ 95 $ 228 $ 7,357 Charge-offs (9) (19) (22) (50) Recoveries 67 4 71 Provision (28) 45 (9) 18 57 83 Ending Balance $ 875 $ 4,457 $ 1,749 $ 95 $ 285 $ 7,461 Ending balance: individually evaluated for impairment $ $ 241 $ 19 $ $ $ 260 Ending balance: collectively evaluated for impairment $ 875 $ 4,216 $ 1,730 $ 95 $ 285 $ 7,201 Loans Receivable: Ending Balance $ 89,336 $ 262,651 $ 166,982 $ 6,020 $ $ 524,989 Ending balance: individually evaluated for impairment $ 1,250 $ 13,062 $ 1,169 $ $ $ 15,481 Ending balance: collectively evaluated for impairment $ 88,086 $ 249,589 $ 165,813 $ 6,020 $ $ 509,508 (Dollars in thousands) Commercial Commercial Residential and Industrial Real Estate Real Estate Consumer Unallocated Total As of and for the year ended December 31, 2017 Allowance for Loan Losses: Beginning balance $ 836 $ 4,421 $ 1,777 $ 95 $ 228 $ 7,357 Charge-offs (189) (62) (82) (333) Recoveries 74 103 9 10 196 Provision 39 (268) (68) 88 476 267 Ending Balance $ 949 $ 4,067 $ 1,656 $ 111 $ 704 $ 7,487 Ending balance: individually evaluated for impairment $ $ 305 $ 22 $ $ $ 327 Ending balance: collectively evaluated for impairment $ 949 $ 3,762 $ 1,634 $ 111 $ 704 $ 7,160 Loans Receivable: Ending Balance $ 99,337 $ 290,970 $ 162,925 $ 6,165 $ $ 559,397 Ending balance: individually evaluated for impairment $ 1,203 $ 11,673 $ 1,050 $ $ $ 13,926 Ending balance: collectively evaluated for impairment $ 98,134 $ 279,297 $ 161,875 $ 6,165 $ $ 545,471 Of the $ 1,115,000 209,000 50,000 856,000 1,071,000 15,000 50,000 1,006,000 516,000 485,000 From time to time, the Bank may agree to modify the contractual terms of a borrower’s loan. In cases where the modifications represent a concession to a borrower experiencing financial difficulty, the modification is considered a troubled debt restructuring (“TDR”). The outstanding recorded investment of TDRs as of March 31, 2018 and December 31, 2017 was $9,063,000 and $9,109,000, respectively. The decrease in TDRs at March 31, 2018 as compared to December 31, 2017 is attributable to principal payments, paydowns, and charge-offs made on existing TDRs net against smaller loans modified as TDRs during the three months ended March 31, 2018. There were no unfunded commitments on TDRs at March 31, 2018 and December 31, 2017. During the three months ended March 31, 2018, three loans with a combined post modification balance of $ 164,000 110,000 (Dollars in thousands) March 31, December 31, 2018 2017 Non-accrual TDRs $ 160 $ 273 Accruing TDRs 8,903 8,836 Total $ 9,063 $ 9,109 At March 31, 2018, eight Commercial Real Estate loans classified as TDRs with a combined recorded investment of $ 573,000 10,000 60,000 642,000 13,000 During the three months ended March 31, 2018 and March 31, 2017, no loans that were modified as TDRs within the preceding twelve months had experienced payment defaults (Dollars in thousands) Three Months Ended March 31, 2018 Pre-Modification Post-Modification Number Outstanding Recorded Outstanding Recorded Recorded of Contracts Investment Investment Investment Commercial and Industrial $ $ $ Commercial Real Estate 3 152 164 160 Total 3 $ 152 $ 164 $ 160 (Dollars in thousands) Three Months Ended March 31, 2017 Pre-Modification Post-Modification Number Outstanding Recorded Outstanding Recorded Recorded of Contracts Investment Investment Investment Commercial and Industrial 1 $ 38 $ 38 $ 38 Commercial Real Estate 1 72 72 72 Total 2 $ 110 $ 110 $ 110 Three Months Ended March 31, 2018 Three Months Ended March 31, 2017 Rate Term Payment Number Rate Term Payment Number Modification Modification Modification Modified Modification Modification Modification Modified Commercial and Industrial 1 1 Commercial Real Estate 1 2 3 1 1 Total 1 2 3 2 2 (Dollars in thousands) March 31, 2018 December 31, 2017 Unpaid Unpaid Recorded Principal Related Recorded Principal Related Investment Balance Allowance Investment Balance Allowance With no related allowance recorded: Commercial and Industrial $ 1,188 $ 1,188 $ $ 1,203 $ 1,203 $ Commercial Real Estate 9,284 11,574 9,199 11,383 Residential Real Estate 866 1,012 878 1,024 With an allowance recorded: Commercial and Industrial Commercial Real Estate 2,327 3,742 625 2,474 3,889 305 Residential Real Estate 128 128 20 172 172 22 Total $ 13,793 $ 17,644 $ 645 $ 13,926 $ 17,671 $ 327 Total consists of: Commercial and Industrial $ 1,188 $ 1,188 $ $ 1,203 $ 1,203 $ Commercial Real Estate $ 11,611 $ 15,316 $ 625 $ 11,673 $ 15,272 $ 305 Residential Real Estate $ 994 $ 1,140 $ 20 $ 1,050 $ 1,196 $ 22 At March 31, 2018 and December 31, 2017, $ 9,063,000 9,109,000 0 2,000 The average recorded investment and interest income recognized for the Corporation’s impaired loans are summarized below for the three months ended March 31, 2018 and 2017. (Dollars in thousands) For the Three Months Ended For the Three Months Ended March 31, 2018 March 31, 2017 Average Interest Average Interest Recorded Income Recorded Income Investment Recognized Investment Recognized With no related allowance recorded: Commercial and Industrial $ 1,196 $ 4 $ 833 $ 12 Commercial Real Estate 9,307 101 11,960 127 Residential Real Estate 873 1 632 1 With an allowance recorded: Commercial and Industrial Commercial Real Estate 2,327 985 Residential Real Estate 128 424 Total $ 13,831 $ 106 $ 14,834 $ 140 Total consists of: Commercial and Industrial $ 1,196 $ 4 $ 833 $ 12 Commercial Real Estate $ 11,634 $ 101 $ 12,945 $ 127 Residential Real Estate $ 1,001 $ 1 $ 1,056 $ 1 Of the $ 106,000 140,000 0 17,000 (Dollars in thousands) March 31, December 31, 2018 2017 Commercial and Industrial $ 787 $ 798 Commercial Real Estate 3,168 3,302 Residential Real Estate 935 990 Total non-accrual loans 4,890 5,090 Foreclosed assets held for resale 1,115 1,071 Loans past-due 90 days or more and still accruing interest 18 70 Total non-performing assets $ 6,023 $ 6,231 (Dollars in thousands) 90 Days Or Greater Past Due 90 Days and Still 30-59 Days 60-89 Days or Greater Total Total Accruing Past Due Past Due Past Due Past Due Current Loans Interest March 31, 2018: Commercial and Industrial $ 10 $ 34 $ $ 44 $ 107,131 $ 107,175 $ Commercial Real Estate 592 921 2,555 4,068 294,867 298,935 Residential Real Estate 1,646 635 534 2,815 158,858 161,673 18 Consumer 1 3 4 5,457 5,461 Total $ 2,249 $ 1,593 $ 3,089 $ 6,931 $ 566,313 $ 573,244 $ 18 (Dollars in thousands) 90 Days Or Greater Past Due 90 Days and Still 30-59 Days 60-89 Days or Greater Total Total Accruing Past Due Past Due Past Due Past Due Current Loans Interest December 31, 2017: Commercial and Industrial $ 68 $ 42 $ $ 110 $ 99,227 $ 99,337 $ Commercial Real Estate 603 201 2,606 3,410 287,560 290,970 50 Residential Real Estate 1,952 484 584 3,020 159,905 162,925 20 Consumer 21 2 23 6,142 6,165 Total $ 2,644 $ |
