XML 1111 R11.htm IDEA: XBRL DOCUMENT
v2.4.0.6

Loans | 12 Months Ended
--- | ---
Dec. 31, 2012
Loans [Abstract] |
Loans | 4. Loans Total net loans at December 31, 2012 and 2011 are summarized as follows:
|  | 2012 |  |  | 2011 |
Commercial, industrial, and agricultural |  | $ | 257,091 |  |  | $ | 253,324 |
Commercial mortgages |  |  | 261,791 |  |  |  | 242,511 |
Residential real estate |  |  | 347,904 |  |  |  | 298,628 |
Consumer |  |  | 58,668 |  |  |  | 53,471 |
Credit cards |  |  | 4,800 |  |  |  | 4,412 |
Overdrafts |  |  | 971 |  |  |  | 423 |
Less: unearned discount |  |  | (3,401 | ) |  |  | (2,886 | )
allowance for loan losses |  |  | (14,060 | ) |  |  | (12,615 | )
Loans, net |  | $ | 913,764 |  |  | $ | 837,268 |
At December 31, 2012 net unamortized loan costs of $232 have been included in the carrying value of loans. As of December 31, 2011, net unamortized loan fees of $7 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, 2012 were as follows:
|  | Commercial, Industrial, and Agricultural |  |  | Commercial Mortgages |  |  | Residential Real Estate |  |  | Consumer |  |  | Credit Cards |  |  | Overdrafts |  |  | Total |
Allowance for loan losses, January 1, 2012 |  | $ | 4,511 |  |  | $ | 4,470 |  |  | $ | 1,991 |  |  | $ | 1,404 |  |  | $ | 71 |  |  | $ | 168 |  |  | $ | 12,615 |
Charge-offs |  |  | (2,871 | ) |  |  | (401 | ) |  |  | (304 | ) |  |  | (1,279 | ) |  |  | (78 | ) |  |  | (257 | ) |  |  | (5,190 | )
Recoveries |  |  | 45 |  |  |  | - |  |  |  | 1 |  |  |  | 91 |  |  |  | 18 |  |  |  | 99 |  |  |  | 254 |
Provision for loan losses |  |  | 3,255 |  |  |  | 628 |  |  |  | 778 |  |  |  | 1,483 |  |  |  | 72 |  |  |  | 165 |  |  |  | 6,381 |
Allowance for loan losses, December 31, 2012 |  | $ | 4,940 |  |  | $ | 4,697 |  |  | $ | 2,466 |  |  | $ | 1,699 |  |  | $ | 83 |  |  | $ | 175 |  |  | $ | 14,060 |
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 year ended December 31, 2010 were as follows:
Balance, beginning of year |  | $ | 9,795 |
Charge-offs |  |  | (4,371 | )
Recoveries |  |  | 238 |
Net charge-offs |  |  | (4,133 | )
Provision for loan losses |  |  | 5,158 |
Balance, end of year |  | $ | 10,820 |
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, 2012 and 2011:
December 31, 2012 |  | 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 |  | $ | 541 |  |  | $ | 131 |  |  | $ | 81 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 753 |
Collectively evaluated for impairment |  |  | 4,399 |  |  |  | 3,467 |  |  |  | 2,385 |  |  |  | 1,699 |  |  |  | 83 |  |  |  | 175 |  |  |  | 12,208 |
Modified in a troubled debt restructuring |  |  | - |  |  |  | 1,099 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,099 |
Total ending allowance balance |  | $ | 4,940 |  |  | $ | 4,697 |  |  | $ | 2,466 |  |  | $ | 1,699 |  |  | $ | 83 |  |  | $ | 175 |  |  | $ | 14,060 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 2,623 |  |  | $ | 10,683 |  |  | $ | 593 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 13,899 |
Loans collectively evaluated for impairment |  |  | 253,048 |  |  |  | 240,907 |  |  |  | 347,311 |  |  |  | 58,668 |  |  |  | 4,800 |  |  |  | 971 |  |  |  | 905,705 |
Loans modified in a troubled debt restructuring |  |  | 1,420 |  |  |  | 10,201 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 11,621 |
Total ending loans balance |  | $ | 257,091 |  |  | $ | 261,791 |  |  | $ | 347,904 |  |  | $ | 58,668 |  |  | $ | 4,800 |  |  | $ | 971 |  |  | $ | 931,225 |
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 |  |  |  | 53,471 |  |  |  | 4,412 |  |  |  | 423 |  |  |  | 830,385 |
Loans modified in a troubled debt restructuring |  |  | - |  |  |  | 7,688 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 7,688 |
Total ending loans balance |  | $ | 253,324 |  |  | $ | 242,511 |  |  | $ | 298,628 |  |  | $ | 53,471 |  |  | $ | 4,412 |  |  | $ | 423 |  |  | $ | 852,769 |
The recorded investment in loans within the tables above and below excludes accrued interest receivable and unearned discount due to immateriality. The following tables present information related to loans individually evaluated for impairment by portfolio segment as of December 31, 2012 and 2011 and for the years ended December 31, 2012, 2011, and 2010:
December 31, 2012 |  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | Allowance for Loan Losses Allocated |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial, and agricultural |  | $ | 2,542 |  |  | $ | 1,792 |  |  | $ | 541 |
Commercial mortgage |  |  | 5,870 |  |  |  | 5,329 |  |  |  | 1,230 |
Residential real estate |  |  | 416 |  |  |  | 381 |  |  |  | 81 |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial, and agricultural |  |  | 2,804 |  |  |  | 2,251 |  |  |  | - |
Commercial mortgage |  |  | 17,285 |  |  |  | 15,555 |  |  |  | - |
Residential real estate |  |  | 308 |  |  |  | 212 |  |  |  | - |
Total |  | $ | 29,225 |  |  | $ | 25,520 |  |  | $ | 1,852 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial, and agricultural |  | $ | 4,329 |  |  | $ | 2,815 |  |  | $ | 329 |
Commercial mortgage |  |  | 4,724 |  |  |  | 4,065 |  |  |  | 1,145 |
Residential real estate |  |  | 187 |  |  |  | 124 |  |  |  | 19 |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial, and agricultural |  |  | 3,892 |  |  |  | 3,300 |  |  |  | - |
Commercial mortgage |  |  | 13,839 |  |  |  | 12,080 |  |  |  | - |
Residential real estate |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 26,971 |  |  | $ | 22,384 |  |  | $ | 1,493 |
The unpaid principal balance of impaired loans includes the Corporation’s recorded investment in the loan and amounts that have been charged off.
|  | Year Ended December 31, 2012 |
|  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Cash Basis Interest Recognized |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial, and agricultural |  | $ | 3,083 |  |  | $ | 4 |  |  | $ | 4 |
Commercial mortgage |  |  | 5,504 |  |  |  | 3 |  |  |  | 3 |
Residential real estate |  |  | 334 |  |  |  | 13 |  |  |  | 13 |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial, and agricultural |  |  | 3,217 |  |  |  | - |  |  |  | - |
Commercial mortgage |  |  | 12,723 |  |  |  | - |  |  |  | - |
Residential real estate |  |  | 103 |  |  |  | - |  |  |  | - |
Total |  | $ | 24,964 |  |  | $ | 20 |  |  | $ | 20 |
|  | 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 |  |  | 6,412 |  |  |  | 19 |  |  |  | 19 |
Residential real estate |  |  | 179 |  |  |  | 4 |  |  |  | 4 |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial, and agricultural |  |  | 2,050 |  |  |  | - |  |  |  | - |
Commercial mortgage |  |  | 6,040 |  |  |  | - |  |  |  | - |
Residential real estate |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 18,392 |  |  | $ | 26 |  |  | $ | 26 |
|  | Year ended December 31, 2010 |
Average recorded investment in impaired loans |  | $ | 12,106 |
Interest income recognized during impairment |  |  | 383 |
Cash-basis interest income recognized |  |  | 383 |
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, 2012 and 2011:
|  | December 31, 2012 |  |  | December 31, 2011 |
|  | Nonaccrual |  |  | Past Due Over 90 Days Still on Accrual |  |  | Nonaccrual |  |  | Past Due Over 90 Days Still on Accrual |
Commercial, industrial, and agricultural |  | $ | 3,073 |  |  | $ | - |  |  | $ | 6,949 |  |  | $ | 10 |
Commercial mortgages |  |  | 8,570 |  |  |  | 109 |  |  |  | 8,359 |  |  |  | 122 |
Residential real estate |  |  | 2,792 |  |  |  | 18 |  |  |  | 1,254 |  |  |  | 157 |
Consumer |  |  | 10 |  |  |  | 217 |  |  |  | 5 |  |  |  | 125 |
Credit cards |  |  | - |  |  |  | 13 |  |  |  | - |  |  |  | 27 |
Total |  | $ | 14,445 |  |  | $ | 357 |  |  | $ | 16,567 |  |  | $ | 441 |
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, 2012 and 2011 by class of loans.
December 31, 2012 |  | 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 |  | $ | 724 |  |  | $ | 157 |  |  | $ | 2,968 |  |  | $ | 3,849 |  |  | $ | 253,242 |  |  | $ | 257,091 |
Commercial mortgages |  |  | 1,162 |  |  |  | 3,197 |  |  |  | 8,679 |  |  |  | 13,038 |  |  |  | 248,753 |  |  |  | 261,791 |
Residential real estate |  |  | 1,390 |  |  |  | 641 |  |  |  | 2,700 |  |  |  | 4,731 |  |  |  | 343,173 |  |  |  | 347,904 |
Consumer |  |  | 724 |  |  |  | 203 |  |  |  | 227 |  |  |  | 1,154 |  |  |  | 57,514 |  |  |  | 58,668 |
Credit cards |  |  | 39 |  |  |  | 9 |  |  |  | 13 |  |  |  | 61 |  |  |  | 4,739 |  |  |  | 4,800 |
Overdrafts |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 971 |  |  |  | 971 |
Total |  | $ | 4,039 |  |  | $ | 4,207 |  |  | $ | 14,587 |  |  | $ | 22,833 |  |  | $ | 908,392 |  |  | $ | 931,225 |
December 31, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial, and agricultural |  | $ | 239 |  |  | $ | 53 |  |  | $ | 6,959 |  |  | $ | 7,251 |  |  | $ | 246,073 |  |  | $ | 253,324 |
Commercial mortgages |  |  | 1,064 |  |  |  | 2,620 |  |  |  | 7,043 |  |  |  | 10,727 |  |  |  | 231,784 |  |  |  | 242,511 |
Residential real estate |  |  | 1,816 |  |  |  | 682 |  |  |  | 1,411 |  |  |  | 3,909 |  |  |  | 294,719 |  |  |  | 298,628 |
Consumer |  |  | 392 |  |  |  | 185 |  |  |  | 130 |  |  |  | 707 |  |  |  | 52,764 |  |  |  | 53,471 |
Credit cards |  |  | 34 |  |  |  | 19 |  |  |  | 27 |  |  |  | 80 |  |  |  | 4,332 |  |  |  | 4,412 |
Overdrafts |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 423 |  |  |  | 423 |
Total |  | $ | 3,545 |  |  | $ | 3,559 |  |  | $ | 15,570 |  |  | $ | 22,674 |  |  | $ | 830,095 |  |  | $ | 852,769 |
Troubled Debt Restructurings During the years ended December 31, 2012 and 2011, the terms of certain loans were modified as troubled debt restructurings. The modification of the terms of such loans included either or both of the following: a reduction of the stated interest rate of the loan; or an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk. The following table presents the number of loans, loan balances, and specific reserves for loans that have been restructured in a troubled debt restructuring as of December 31, 2012 and December 31, 2011.
|  | December 31, 2012 |  |  | December 31, 2011 |
|  | Number of Loans |  |  | Loan Balance |  |  | Specific Reserve |  |  | Number of Loans |  |  | Loan Balance |  |  | Specific Reserve |
Commercial, industrial, and agricultural |  |  | 2 |  |  | $ | 1,420 |  |  | $ | - |  |  |  | - |  |  | $ | - |  |  | $ | - |
Commercial mortgages |  |  | 8 |  |  |  | 10,201 |  |  |  | 1,099 |  |  |  | 3 |  |  |  | 7,688 |  |  |  | 228 |
Residential real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Credit cards |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  |  | 10 |  |  | $ | 11,621 |  |  | $ | 1,099 |  |  |  | 3 |  |  | $ | 7,688 |  |  | $ | 228 |
The following table presents loans by class modified as troubled debt restructurings that occurred during the years ended December 31, 2012 and 2011:
|  | Year Ended December 31, 2012 |
|  | Number of Loans |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Commercial, industrial, and agricultural |  |  | 2 |  |  | $ | 1,455 |  |  | $ | 1,455 |
Commercial mortgages |  |  | 5 |  |  |  | 2,717 |  |  |  | 2,717 |
Residential real estate |  |  | - |  |  |  | - |  |  |  | - |
Consumer |  |  | - |  |  |  | - |  |  |  | - |
Credit cards |  |  | - |  |  |  | - |  |  |  | - |
Total |  |  | 7 |  |  | $ | 4,172 |  |  | $ | 4,172 |
|  | Year Ended December 31, 2011 |
|  | Number of Loans |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Commercial, industrial, and agricultural |  |  | - |  |  | $ | - |  |  | $ | - |
Commercial mortgages |  |  | 2 |  |  |  | 6,041 |  |  |  | 6,041 |
Residential real estate |  |  | - |  |  |  | - |  |  |  | - |
Consumer |  |  | - |  |  |  | - |  |  |  | - |
Credit cards |  |  | - |  |  |  | - |  |  |  | - |
Total |  |  | 2 |  |  | $ | 6,041 |  |  | $ | 6,041 |
The troubled debt restructurings described above increased the allowance for loan losses by $101 and $0 during the years ended December 31, 2012 and 2011, respectively. Modifications involving a reduction of the stated interest rate of the loan were for periods ranging from 4-15 years. Modifications involving an extension of the maturity date were for periods ranging from 4-18 years. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. Except as discussed below, all loans modified in troubled debt restructurings are performing in accordance with their modified terms as of December 31, 2012 and 2011 and no principal balances were forgiven in connection with the loan restructurings. During the year ended December 31, 2012, one commercial mortgage loan with a balance of $1,660 defaulted under its restructured terms and was placed on nonaccrual status, resulting in an increase in the allowance for loan losses of $503. No loans that were modified in a troubled debt restructuring were charged off during the years ended December 31, 2012 and 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. 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, 2012 |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Commercial, industrial, and agricultural |  | $ | 234,835 |  |  | $ | 6,641 |  |  | $ | 15,459 |  |  | $ | 156 |  |  | $ | 257,091 |
Commercial mortgages |  |  | 225,294 |  |  |  | 12,294 |  |  |  | 23,501 |  |  |  | 702 |  |  |  | 261,791 |
Total |  | $ | 460,129 |  |  | $ | 18,935 |  |  | $ | 38,960 |  |  | $ | 858 |  |  | $ | 518,882 |
December 31, 2011 |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Commercial, industrial, and agricultural |  | $ | 223,457 |  |  | $ | 4,176 |  |  | $ | 25,490 |  |  | $ | 201 |  |  | $ | 253,324 |
Commercial mortgages |  |  | 214,098 |  |  |  | 3,172 |  |  |  | 24,513 |  |  |  | 728 |  |  |  | 242,511 |
Total |  | $ | 437,555 |  |  | $ | 7,348 |  |  | $ | 50,003 |  |  | $ | 929 |  |  | $ | 495,835 |
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, 2012 and 2011:
|  | December 31, 2012 |  |  | December 31, 2011 |
|  | Residential Real Estate |  |  | Consumer |  |  | Credit Cards |  |  | Residential Real Estate |  |  | Consumer |  |  | Credit Cards |
Performing |  | $ | 345,094 |  |  | $ | 58,441 |  |  | $ | 4,787 |  |  | $ | 297,217 |  |  | $ | 53,341 |  |  | $ | 4,385 |
Non-performing |  |  | 2,810 |  |  |  | 227 |  |  |  | 13 |  |  |  | 1,411 |  |  |  | 130 |  |  |  | 27 |
Total |  | $ | 347,904 |  |  | $ | 58,668 |  |  | $ | 4,800 |  |  | $ | 298,628 |  |  | $ | 53,471 |  |  | $ | 4,412 |
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, 2012 and 2011:
|  | 2012 |  |  | 2011 |
Consumer |  | $ | 21,535 |  |  | $ | 18,176 |
Residential real estate |  |  | 954 |  |  |  | 1,056 |
Less: unearned discount |  |  | (3,401 | ) |  |  | (2,886 | )
Total |  | $ | 19,088 |  |  | $ | 16,346 |

X
- Details
Name: | us-gaap_AccountsAndNotesReceivableUnclassifiedAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 235 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.4-08.(k)) -URI http://asc.fasb.org/extlink&oid=6881521&loc=d3e23780-122690 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 02 -Paragraph 3, 4 -Article 5 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 4 -URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5074-111524 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11 -URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5162-111524 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 08 -Paragraph k -Article 4 Reference 7: http://www.xbrl.org/2003/role/presentationRef -Publisher AICPA -Name Statement of Position (SOP) -Number 01-6 -Paragraph 13 -Subparagraph d -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 8: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 3 -URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5066-111524 Reference 9: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 03 -Paragraph 7 -Article 9 + Details
Name: | us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration