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Loans | 12 Months Ended
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Dec. 31, 2011
Loans [Abstract] |
Loans | 4. Loans Total net loans at December 31, 2011 and 2010 are summarized as follows:
|  | 2010 |  |  | 2009 |
Commercial, industrial, and agricultural |  | $ | 253,324 |  |  | $ | 257,491 |
Commercial mortgages |  |  | 242,511 |  |  |  | 212,878 |
Residential real estate |  |  | 298,628 |  |  |  | 266,604 |
Consumer |  |  | 54,677 |  |  |  | 53,202 |
Credit cards |  |  | 3,206 |  |  |  | 2,870 |
Overdrafts |  |  | 423 |  |  |  | 3,964 |
Less: unearned discount |  |  | (2,886 | ) |  |  | (2,447 | )
allowance for loan losses |  |  | (12,615 | ) |  |  | (10,820 | )
Loans, net |  | $ | 837,268 |  |  | $ | 783,742 |
At December 31, 2011 and 2010, net unamortized loan costs and fees of ($7) and ($167), respectively, have been included in the carrying value of loans. The Corporation's outstanding loans and related unfunded commitments are primarily concentrated within Central and Western Pennsylvania. The Bank attempts to limit concentrations within specific industries by utilizing dollar limitations to single industries or customers, and by entering into participation agreements with third parties. Collateral requirements are established based on management's assessment of the customer. Transactions in the allowance for loan losses for the year ended December 31, 2011 were as follows:
|  | Commercial, Industrial, and Agricultural |  |  | Commercial Mortgages |  |  | Residential Real Estate |  |  | Consumer |  |  | Credit Cards |  |  | Overdrafts |  |  | Total |
Allowance for loan losses, January 1, 2011 |  | $ | 3,517 |  |  | $ | 3,511 |  |  | $ | 1,916 |  |  | $ | 1,561 |  |  | $ | 96 |  |  | $ | 219 |  |  | $ | 10,820 |
Charge-offs |  |  | (1,796 | ) |  |  | (175 | ) |  |  | (217 | ) |  |  | (907 | ) |  |  | (39 | ) |  |  | (222 | ) |  |  | (3,356 | )
Recoveries |  |  | 9 |  |  |  | - |  |  |  | 13 |  |  |  | 88 |  |  |  | 10 |  |  |  | 94 |  |  |  | 214 |
Provision for loan losses |  |  | 2,781 |  |  |  | 1,134 |  |  |  | 279 |  |  |  | 662 |  |  |  | 4 |  |  |  | 77 |  |  |  | 4,937 |
Allowance for loan losses, December 31, 2011 |  | $ | 4,511 |  |  | $ | 4,470 |  |  | $ | 1,991 |  |  | $ | 1,404 |  |  | $ | 71 |  |  | $ | 168 |  |  | $ | 12,615 |
Transactions in the allowance for loan losses for the years ended December 31, 2010 and 2009 were as follows:
|  | 2010 |  |  | 2009 |
Balance, beginning of year |  | $ | 9,795 |  |  | $ | 8,719 |
Charge-offs |  |  | (4,371 | ) |  |  | (3,611 | )
Recoveries |  |  | 238 |  |  |  | 222 |
Net charge-offs |  |  | (4,133 | ) |  |  | (3,389 | )
Provision for loan losses |  |  | 5,158 |  |  |  | 4,465 |
Balance, end of year |  | $ | 10,820 |  |  | $ | 9,795 |
The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and is based on the Corporation's impairment method as of December 31, 2011 and 2010:
December 31, 2011 |  | Commercial, Industrial, and Agricultural |  |  | Commercial Mortgages |  |  | Residential Real Estate |  |  | Consumer |  |  | Credit Cards |  |  | Overdrafts |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 329 |  |  | $ | 917 |  |  | $ | 19 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 1,265 |
Collectively evaluated for impairment |  |  | 4,182 |  |  |  | 3,325 |  |  |  | 1,972 |  |  |  | 1,404 |  |  |  | 71 |  |  |  | 168 |  |  |  | 11,122 |
Modified in a troubled debt restructuring |  |  | - |  |  |  | 228 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 228 |
Total ending allowance balance |  | $ | 4,511 |  |  | $ | 4,470 |  |  | $ | 1,991 |  |  | $ | 1,404 |  |  | $ | 71 |  |  | $ | 168 |  |  | $ | 12,615 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 6,115 |  |  | $ | 8,457 |  |  | $ | 124 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 14,696 |
Loans collectively evaluated for impairment |  |  | 247,209 |  |  |  | 226,366 |  |  |  | 298,504 |  |  |  | 54,677 |  |  |  | 3,206 |  |  |  | 423 |  |  |  | 830,385 |
Loans modified in a troubled debt restructuring |  |  | - |  |  |  | 7,688 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 7,688 |
Total ending loans balance |  | $ | 253,324 |  |  | $ | 242,511 |  |  | $ | 298,628 |  |  | $ | 54,677 |  |  | $ | 3,206 |  |  | $ | 423 |  |  | $ | 852,769 |
December 31, 2010 |  | Commercial, Industrial, and Agricultural |  |  | Commercial Mortgages |  |  | Residential Real Estate |  |  | Consumer |  |  | Credit Cards |  |  | Overdrafts |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 142 |  |  | $ | 509 |  |  | $ | 69 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 720 |
Collectively evaluated for impairment |  |  | 3,375 |  |  |  | 2,759 |  |  |  | 1,847 |  |  |  | 1,561 |  |  |  | 96 |  |  |  | 219 |  |  |  | 9,857 |
Modified in a troubled debt restructuring |  |  | - |  |  |  | 243 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 243 |
Total ending allowance balance |  | $ | 3,517 |  |  | $ | 3,511 |  |  | $ | 1,916 |  |  | $ | 1,561 |  |  | $ | 96 |  |  | $ | 219 |  |  | $ | 10,820 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 2,616 |  |  | $ | 8,759 |  |  | $ | 235 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 11,610 |
Loans collectively evaluated for impairment |  |  | 254,875 |  |  |  | 202,405 |  |  |  | 266,369 |  |  |  | 53,202 |  |  |  | 2,870 |  |  |  | 3,964 |  |  |  | 783,685 |
Loans modified in a troubled debt restructuring |  |  | - |  |  |  | 1,714 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,714 |
Total ending loans balance |  | $ | 257,491 |  |  | $ | 212,878 |  |  | $ | 266,604 |  |  | $ | 53,202 |  |  | $ | 2,870 |  |  | $ | 3,964 |  |  | $ | 797,009 |
The following tables present information related to loans individually evaluated for impairment by portfolio segment as of December 31, 2011 and 2010 and for the years ended December 31, 2011, 2010, and 2009:
December 31, 2011 |  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | Allowance for Loan Losses Allocated |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial, and agricultural |  | $ | 5,991 |  |  | $ | 4,477 |  |  | $ | 557 |
Commercial mortgage |  |  | 3,062 |  |  |  | 2,403 |  |  |  | 917 |
Residential real estate |  |  | 187 |  |  |  | 124 |  |  |  | 19 |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial, and agricultural |  |  | 9,918 |  |  |  | 9,326 |  |  |  | – |
Commercial mortgage |  |  | 7,813 |  |  |  | 6,054 |  |  |  | – |
Residential real estate |  |  | – |  |  |  | – |  |  |  | – |
Total |  | $ | 26,971 |  |  | $ | 22,384 |  |  | $ | 1,493 |
December 31, 2010 |  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | Allowance for Loan Losses Allocated |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial, and agricultural |  | $ | 4,755 |  |  | $ | 4,330 |  |  | $ | 385 |
Commercial mortgage |  |  | 11,356 |  |  |  | 8,759 |  |  |  | 509 |
Residential real estate |  |  | 339 |  |  |  | 235 |  |  |  | 69 |
Total |  | $ | 16,450 |  |  | $ | 13,324 |  |  | $ | 963 |
The unpaid principal balance of impaired loans includes the Corporation's recorded investment in the loan and amounts that have been charged off. There were no loans evaluated for impairment as of December 31, 2010 that had no related allowance recorded.
|  | Year Ended December 31, 2011 |
|  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Cash Basis Interest Recognized |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial, and agricultural |  | $ | 3,711 |  |  | $ | 3 |  |  | $ | 3 |
Commercial mortgage |  |  | 4,836 |  |  |  | 19 |  |  |  | 19 |
Residential real estate |  |  | 179 |  |  |  | 4 |  |  |  | 4 |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial, and agricultural |  |  | 2,050 |  |  |  | – |  |  |  | – |
Commercial mortgage |  |  | 4,631 |  |  |  | – |  |  |  | – |
Residential real estate |  |  | – |  |  |  | – |  |  |  | – |
Total |  | $ | 15,407 |  |  | $ | 26 |  |  | $ | 26 |
|  | Year ended December 31, |
|  | 2010 |  |  | 2009 |
Average recorded investment in impaired loans |  | $ | 12,106 |  |  | $ | 10,812 |
Interest income recognized during impairment |  |  | 383 |  |  |  | 116 |
Cash-basis interest income recognized |  |  | 383 |  |  |  | 116 |
The following table presents the recorded investment in nonaccrual loans and loans past due over 90 days still on accrual by class of loans as of December 31, 2011 and 2010:
|  | December 31, 2011 |  |  | December 31, 2010 |
|  | Nonaccrual |  |  | Past Due Over 90 Days Still on Accrual |  |  | Nonaccrual |  |  | Past Due Over 90 Days Still on Accrual |
Commercial, industrial, and agricultural |  | $ | 6,949 |  |  | $ | 10 |  |  | $ | 2,344 |  |  | $ | 23 |
Commercial mortgages |  |  | 8,359 |  |  |  | 122 |  |  |  | 8,276 |  |  |  | 321 |
Residential real estate |  |  | 1,254 |  |  |  | 157 |  |  |  | 1,306 |  |  |  | 386 |
Consumer |  |  | 5 |  |  |  | 125 |  |  |  | - |  |  |  | 154 |
Credit cards |  |  | – |  |  |  | 27 |  |  |  | – |  |  |  | 5 |
Total |  | $ | 16,567 |  |  | $ | 441 |  |  | $ | 11,926 |  |  | $ | 889 |
Nonaccrual loans and loans past due over 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. The following table presents the aging of the recorded investment in past due loans as of December 31, 2011 and 2010 by class of loans. The recorded investment in loans excludes accrued interest and loan origination fees, net due to their insignificance.
December 31, 2011 |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Greater Than 90 Days Past Due |  |  | Total Past Due |  |  | Loans Not Past Due |  |  | Total |
Commercial, industrial, and agricultural |  | $ | 239 |  |  | $ | 53 |  |  | $ | 6,959 |  |  | $ | 7,251 |  |  | $ | 246,073 |  |  | $ | 253,324 |
Commercial mortgages |  |  | 1,064 |  |  |  | 2,620 |  |  |  | 8,481 |  |  |  | 12,165 |  |  |  | 230,346 |  |  |  | 242,511 |
Residential real estate |  |  | 1,816 |  |  |  | 682 |  |  |  | 1,411 |  |  |  | 3,909 |  |  |  | 294,719 |  |  |  | 298,628 |
Consumer |  |  | 392 |  |  |  | 185 |  |  |  | 130 |  |  |  | 707 |  |  |  | 53,970 |  |  |  | 54,677 |
Credit cards |  |  | 34 |  |  |  | 19 |  |  |  | 27 |  |  |  | 80 |  |  |  | 3,126 |  |  |  | 3,206 |
Overdrafts |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 423 |  |  |  | 423 |
Total |  | $ | 3,545 |  |  | $ | 3,559 |  |  | $ | 17,008 |  |  | $ | 24,112 |  |  | $ | 828,657 |  |  | $ | 852,769 |
December 31, 2010 |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Greater Than 90 Days Past Due |  |  | Total Past Due |  |  | Loans Not Past Due |  |  | Total |
Commercial, industrial, and agricultural |  | $ | 225 |  |  | $ | 2,512 |  |  | $ | 2,367 |  |  | $ | 5,104 |  |  | $ | 252,387 |  |  | $ | 257,491 |
Commercial mortgages |  |  | 129 |  |  |  | 1,184 |  |  |  | 8,597 |  |  |  | 9,910 |  |  |  | 202,968 |  |  |  | 212,878 |
Residential real estate |  |  | 1,629 |  |  |  | 262 |  |  |  | 1,692 |  |  |  | 3,583 |  |  |  | 263,021 |  |  |  | 266,604 |
Consumer |  |  | 455 |  |  |  | 145 |  |  |  | 154 |  |  |  | 754 |  |  |  | 52,448 |  |  |  | 53,202 |
Credit cards |  |  | 20 |  |  |  | 10 |  |  |  | 5 |  |  |  | 35 |  |  |  | 2,835 |  |  |  | 2,870 |
Overdrafts |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 3,964 |  |  |  | 3,964 |
Total |  | $ | 2,458 |  |  | $ | 4,113 |  |  | $ | 12,815 |  |  | $ | 19,386 |  |  | $ | 777,623 |  |  | $ | 797,009 |
Troubled Debt Restructurings The Corporation has allocated $228 and $243 of specific reserves to one commercial mortgage customer whose loan terms have been modified in troubled debt restructurings as of December 31, 2011 and 2010, respectively. The interest rate on the original loan was 6.60%. Due to financial difficulties experienced by the customer, the interest rate was reduced to 4.19% in the third quarter of 2010, resulting in an additional provision for loan losses of $253 thousand for the year ended December 31, 2010. The interest rate on this loan was further reduced to 4.07% in 2011, resulting in an additional provision for loan losses of $5 thousand for the year ended December 31, 2011. This loan had a total recorded investment of $1,662 and $1,714 as of December 31, 2011 and 2010, respectively. The Corporation has a commercial mortgage customer whose loan relationships have interest-only terms that were extended during 2011. The original interest rates on the loans, which are also currently the market rates of interest, were not reduced; therefore, no additional provision for loan losses was required to be recorded. These loans have a total recorded investment of $4,588 at December 31, 2011. In addition, the Corporation has a commercial mortgage customer whose loan relationship was restructured due to the forgiveness of accrued interest and late charges. The original interest rate on the loan, which is also currently the market rate of interest, was not reduced; therefore, no additional provision for loan losses was required to be recorded. This loan has a recorded investment of $1,438 at December 31, 2011. In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without a loan modification. This evaluation is performed using the Corporation's internal underwriting policies. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. All loans modified in troubled debt restructurings are performing in accordance with their modified terms as of December 31, 2011 and no principal balances were forgiven in connection with the loan restructurings. The Corporation has no further loan commitments to customers whose loans are classified as a troubled debt restructuring. Credit Quality Indicators The Corporation classifies commercial, industrial, and agricultural loans and commercial mortgage loans into risk categories based on relevant information about the ability of borrowers to service their debt, such as current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Corporation analyzes loans individually by classifying the loans as to credit risk. This analysis includes loans with an outstanding balance greater than $1 million bi-annually and loans with an outstanding balance of less than $1 million at least annually. The Corporation uses the following definitions for risk ratings: Special Mention: Loans classified as special mention have a potential weakness that deserves management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the Corporation's credit position at some future date. Substandard: Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Corporation will sustain some loss if the deficiencies are not corrected. Doubtful: Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. Loans not rated as special mention, substandard, or doubtful are considered to be pass rated loans. All loans included in the following tables have been assigned a risk rating within 12 months of the balance sheet date.
December 31, 2011 |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Commercial, industrial, and agricultural |  | $ | 229,572 |  |  | $ | 4,176 |  |  | $ | 19,576 |  |  | $ | - |  |  | $ | 253,324 |
Commercial mortgages |  |  | 225,654 |  |  |  | 3,172 |  |  |  | 13,685 |  |  |  | - |  |  |  | 242,511 |
Total |  | $ | 455,226 |  |  | $ | 7,348 |  |  | $ | 33,261 |  |  | $ | - |  |  | $ | 495,835 |
December 31, 2010 |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Commercial, industrial, and agricultural |  | $ | 236,945 |  |  | $ | 3,875 |  |  | $ | 16,671 |  |  | $ | - |  |  | $ | 257,491 |
Commercial mortgages |  |  | 188,457 |  |  |  | 5,332 |  |  |  | 19,051 |  |  |  | 38 |  |  |  | 212,878 |
Total |  | $ | 425,402 |  |  | $ | 9,207 |  |  | $ | 35,722 |  |  | $ | 38 |  |  | $ | 470,369 |
The Corporation's portfolio of residential real estate and consumer loans maintained within Holiday, a subsidiary that offers small balance unsecured and secured loans, primarily collateralized by automobiles and equipment, to borrowers with higher risk characteristics than are typical in the Bank's consumer loan portfolio, are considered to be subprime loans. The Bank does not have any subprime loans. Holiday's loan portfolio is summarized as follows at December 31, 2011 and 2010:
|  | 2011 |  |  | 2010 |
Consumer |  | $ | 18,176 |  |  | $ | 16,532 |
Residential real estate |  |  | 1,056 |  |  |  | 1,149 |
Less: unearned discount |  |  | (2,886 | ) |  |  | (2,447 | )
Total |  | $ | 16,346 |  |  | $ | 15,234 |
The Corporation considers the performance of the loan portfolio and its impact on the allowance for loan losses. For residential real estate, consumer, and credit card loan classes, the Corporation also evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following table presents the recorded investment in residential and consumer loans based on payment activity as of December 31, 2011 and 2010:
|  | December 31, 2011 |  |  | December 31, 2010 |
|  | Residential Real Estate |  |  | Consumer |  |  | Credit Cards |  |  | Residential Real Estate |  |  | Consumer |  |  | Credit Cards |
Performing |  | $ | 297,217 |  |  | $ | 54,547 |  |  | $ | 3,179 |  |  | $ | 264,912 |  |  | $ | 53,048 |  |  | $ | 2,865 |
Non-performing |  |  | 1,411 |  |  |  | 130 |  |  |  | 27 |  |  |  | 1,692 |  |  |  | 154 |  |  |  | 5 |
Total |  | $ | 298,628 |  |  | $ | 54,677 |  |  | $ | 3,206 |  |  | $ | 266,604 |  |  | $ | 53,202 |  |  | $ | 2,870 |

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