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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 12 Months Ended
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Dec. 31, 2014
Receivables [Abstract] |
Schedule of Financing Receivables [Table Text Block] | The following table provides information about the principal classes of the loan portfolio at December 31, 2014 and 2013.
(Dollars in thousands) |  | 2014 |  | 2013 |
Construction |  | $ | 69,157 |  | $ | 64,591 |
Residential real estate |  |  | 273,336 |  |  | 274,857 |
Commercial real estate |  |  | 305,788 |  |  | 304,605 |
Commercial |  |  | 52,671 |  |  | 57,195 |
Consumer |  |  | 9,794 |  |  | 10,671 |
Total loans |  |  | 710,746 |  |  | 711,919 |
Allowance for credit losses |  |  | (7,695) |  |  | (10,725) |
Total loans, net |  | $ | 703,051 |  | $ | 701,194 |
Allowance for Credit Losses on Loans Receivables Additional Information [Table Text Block] | The following tables include impairment information relating to loans and the allowance for credit losses as of December 31, 2014 and 2013.
|  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total |
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 10,067 |  | $ | 10,403 |  | $ | 9,359 |  | $ | 188 |  | $ | 124 |  | $ | - |  | $ | 30,141 |
Loans collectively evaluated for impairment |  |  | 59,090 |  |  | 262,933 |  |  | 296,429 |  |  | 52,483 |  |  | 9,670 |  |  | - |  |  | 680,605 |
Total loans |  | $ | 69,157 |  | $ | 273,336 |  | $ | 305,788 |  | $ | 52,671 |  | $ | 9,794 |  | $ | - |  | $ | 710,746 |
Allowance for credit losses allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 41 |  | $ | 1,099 |  | $ | 129 |  | $ | 1 |  | $ | 3 |  | $ | - |  | $ | 1,273 |
Loans collectively evaluated for impairment |  |  | 1,262 |  |  | 1,735 |  |  | 2,250 |  |  | 447 |  |  | 226 |  |  | 502 |  |  | 6,422 |
Total allowance for credit losses |  | $ | 1,303 |  | $ | 2,834 |  | $ | 2,379 |  | $ | 448 |  | $ | 229 |  | $ | 502 |  | $ | 7,695 |
|  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 5,569 |  | $ | 19,748 |  | $ | 14,462 |  | $ | 887 |  | $ | 48 |  | $ | - |  | $ | 40,714 |
Loans collectively evaluated for impairment |  |  | 59,022 |  |  | 255,109 |  |  | 290,143 |  |  | 56,308 |  |  | 10,623 |  |  | - |  |  | 671,205 |
Total loans |  | $ | 64,591 |  | $ | 274,857 |  | $ | 304,605 |  | $ | 57,195 |  | $ | 10,671 |  | $ | - |  | $ | 711,919 |
Allowance for credit losses allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 204 |  | $ | 285 |  | $ | 44 |  | $ | 245 |  | $ | 5 |  | $ | - |  | $ | 783 |
Loans collectively evaluated for impairment |  |  | 1,756 |  |  | 3,569 |  |  | 2,985 |  |  | 1,021 |  |  | 238 |  |  | 373 |  |  | 9,942 |
Total allowance for credit losses |  | $ | 1,960 |  | $ | 3,854 |  | $ | 3,029 |  | $ | 1,266 |  | $ | 243 |  | $ | 373 |  | $ | 10,725 |
Impaired Financing Receivables [Table Text Block] | The following tables provide information on impaired loans and any related allowance by loan class as of December 31, 2014 and 2013. The difference between the unpaid principal balance and the recorded investment is the amount of partial charge-offs that have been taken.
|  |  |  | Recorded |  | Recorded |  |  |  |  |  |  |
|  | Unpaid |  | investment |  | investment |  |  |  | Average |  | Interest |
|  | principal |  | with no |  | with an |  | Related |  | recorded |  | income |
(Dollars in thousands) |  | balance |  | allowance |  | allowance |  | allowance |  | investment |  | recognized |
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Impaired nonaccrual loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 9,277 |  | $ | 6,045 |  | $ | - |  | $ | - |  | $ | 7,739 |  | $ | - |
Residential real estate |  |  | 4,664 |  |  | 1,053 |  |  | 2,982 |  |  | 799 |  |  | 3,322 |  |  | - |
Commercial real estate |  |  | 4,703 |  |  | 2,842 |  |  | 280 |  |  | 100 |  |  | 3,889 |  |  | - |
Commercial |  |  | 1,372 |  |  | 136 |  |  | 5 |  |  | 1 |  |  | 437 |  |  | - |
Consumer |  |  | 129 |  |  | 99 |  |  | 25 |  |  | 3 |  |  | 79 |  |  | - |
Total |  |  | 20,145 |  |  | 10,175 |  |  | 3,292 |  |  | 903 |  |  | 15,466 |  |  | - |
Impaired accruing TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | 4,022 |  |  | 3,196 |  |  | 826 |  |  | 41 |  |  | 2,743 |  |  | 68 |
Residential real estate |  |  | 6,368 |  |  | 668 |  |  | 5,700 |  |  | 300 |  |  | 15,123 |  |  | 372 |
Commercial real estate |  |  | 6,237 |  |  | 4,774 |  |  | 1,463 |  |  | 29 |  |  | 6,574 |  |  | 254 |
Commercial |  |  | 47 |  |  | 47 |  |  | - |  |  | - |  |  | 55 |  |  | 2 |
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Total |  |  | 16,674 |  |  | 8,685 |  |  | 7,989 |  |  | 370 |  |  | 24,495 |  |  | 696 |
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | 13,299 |  |  | 9,241 |  |  | 826 |  |  | 41 |  |  | 10,482 |  |  | 68 |
Residential real estate |  |  | 11,032 |  |  | 1,721 |  |  | 8,682 |  |  | 1,099 |  |  | 18,445 |  |  | 372 |
Commercial real estate |  |  | 10,940 |  |  | 7,616 |  |  | 1,743 |  |  | 129 |  |  | 10,463 |  |  | 254 |
Commercial |  |  | 1,419 |  |  | 183 |  |  | 5 |  |  | 1 |  |  | 492 |  |  | 2 |
Consumer |  |  | 129 |  |  | 99 |  |  | 25 |  |  | 3 |  |  | 79 |  |  | - |
Total |  | $ | 36,819 |  | $ | 18,860 |  | $ | 11,281 |  | $ | 1,273 |  | $ | 39,961 |  | $ | 696 |
|  |  |  | Recorded |  | Recorded |  |  |  |  |  |  |
|  | Unpaid |  | investment |  | investment |  |  |  | Average |  | Interest |
|  | principal |  | with no |  | with an |  | Related |  | recorded |  | income |
(Dollars in thousands) |  | balance |  | allowance |  | allowance |  | allowance |  | investment |  | recognized |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Impaired nonaccrual loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 6,787 |  | $ | 3,709 |  | $ | 240 |  | $ | 203 |  | $ | 7,270 |  | $ | - |
Residential real estate |  |  | 7,692 |  |  | 3,862 |  |  | 1,304 |  |  | 225 |  |  | 10,240 |  |  | - |
Commercial real estate |  |  | 5,218 |  |  | 4,261 |  |  | 410 |  |  | 38 |  |  | 7,829 |  |  | - |
Commercial |  |  | 1,801 |  |  | 547 |  |  | 245 |  |  | 245 |  |  | 619 |  |  | - |
Consumer |  |  | 56 |  |  | 43 |  |  | 5 |  |  | 5 |  |  | 48 |  |  | - |
Total |  |  | 21,554 |  |  | 12,422 |  |  | 2,204 |  |  | 716 |  |  | 26,006 |  |  | - |
Impaired accruing TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | 1,620 |  |  | 1,527 |  |  | 93 |  |  | 1 |  |  | 14,405 |  |  | - |
Residential real estate |  |  | 14,582 |  |  | 13,177 |  |  | 1,405 |  |  | 60 |  |  | 11,101 |  |  | - |
Commercial real estate |  |  | 9,791 |  |  | 9,006 |  |  | 785 |  |  | 6 |  |  | 13,308 |  |  | - |
Commercial |  |  | 95 |  |  | 95 |  |  | - |  |  | - |  |  | 105 |  |  | - |
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Total |  |  | 26,088 |  |  | 23,805 |  |  | 2,283 |  |  | 67 |  |  | 38,919 |  |  | - |
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | 8,407 |  |  | 5,236 |  |  | 333 |  |  | 204 |  |  | 21,675 |  |  | - |
Residential real estate |  |  | 22,274 |  |  | 17,039 |  |  | 2,709 |  |  | 285 |  |  | 21,341 |  |  | - |
Commercial real estate |  |  | 15,009 |  |  | 13,267 |  |  | 1,195 |  |  | 44 |  |  | 21,137 |  |  | - |
Commercial |  |  | 1,896 |  |  | 642 |  |  | 245 |  |  | 245 |  |  | 724 |  |  | - |
Consumer |  |  | 56 |  |  | 43 |  |  | 5 |  |  | 5 |  |  | 48 |  |  | - |
Total |  | $ | 47,642 |  | $ | 36,227 |  | $ | 4,487 |  | $ | 783 |  | $ | 64,925 |  | $ | - |
Schedule of Financing Receivables Accruing and Non Accrual of Troubled Debt restructurings [Table Text Block] | The following tables provide a roll-forward for troubled debt restructurings as of December 31, 2014 and December 31, 2013.
|  | 12/31/13 |  |  |  |  |  |  |  | Reclassification/ |  |  |  |  |  | 12/31/14 |  |  |
|  | TDR |  | New |  | Disbursements |  | Charge |  | Transfers |  | Loan |  |  |  | TDR |  | Related |
(Dollars in thousands) |  | Balance |  | TDRs |  | (Payments) |  | offs |  | In/(Out) |  | Sale |  | Payoffs |  | Balance |  | Allowance |
For the year ended 12/31/2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Accruing TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 1,620 |  | $ | - |  | $ | (186) |  | $ | (538) |  | $ | 3,396 |  | $ | - |  | $ | (270) |  | $ | 4,022 |  | $ | 41 |
Residential Real Estate |  |  | 14,582 |  |  | - |  |  | (1,150) |  |  | (3,614) |  |  | (3,136) |  |  | - |  |  | (314) |  |  | 6,368 |  |  | 300 |
Commercial Real Estate |  |  | 9,791 |  |  | - |  |  | (99) |  |  | (549) |  |  | (1,805) |  |  | - |  |  | (1,101) |  |  | 6,237 |  |  | 29 |
Commercial |  |  | 95 |  |  | - |  |  | (24) |  |  | - |  |  | - |  |  | - |  |  | (24) |  |  | 47 |  |  | - |
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Total |  | $ | 26,088 |  | $ | - |  | $ | (1,459) |  | $ | (4,701) |  | $ | (1,545) |  | $ | - |  | $ | (1,709) |  | $ | 16,674 |  | $ | 370 |
Nonaccrual TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 3,561 |  | $ | - |  | $ | (12) |  | $ | (235) |  | $ | 7 |  | $ | - |  | $ | - |  | $ | 3,321 |  | $ | - |
Residential Real Estate |  |  | 1,884 |  |  | - |  |  | (50) |  |  | (203) |  |  | 1,874 |  |  | - |  |  | (123) |  |  | 3,382 |  |  | 724 |
Commercial Real Estate |  |  | 842 |  |  | - |  |  | (95) |  |  | (65) |  |  | (336) |  |  | - |  |  | - |  |  | 346 |  |  | 100 |
Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Consumer |  |  | 26 |  |  | - |  |  | (1) |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 25 |  |  | 3 |
Total |  | $ | 6,313 |  | $ | - |  | $ | (158) |  | $ | (503) |  | $ | 1,545 |  | $ | - |  | $ | (123) |  | $ | 7,074 |  | $ | 827 |
Total TDRs |  | $ | 32,401 |  | $ | - |  | $ | (1,617) |  | $ | (5,204) |  | $ | - |  | $ | - |  | $ | (1,832) |  | $ | 23,748 |  | $ | 1,197 |
|  | 12/31/12 |  |  |  |  |  |  |  | Reclassification/ |  |  |  |  |  | 12/31/13 |  |  |
|  | TDR |  | New |  | Disbursements |  |  |  | Transfers |  | 9/30/13 |  |  |  | TDR |  | Related |
(Dollars in thousands) |  | Balance |  | TDRs |  | (Payments) |  | Charge offs |  | In/(Out) |  | Loan Sale |  | Payoffs |  | Balance |  | Allowance |
For the year ended 12/31/2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Accruing TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 27,335 |  | $ | 95 |  | $ | 228 |  | $ | (13,557) |  | $ | (3,521) |  | $ | (7,908) |  | $ | (1,052) |  | $ | 1,620 |  | $ | 1 |
Residential Real Estate |  |  | 7,017 |  |  | 10,433 |  |  | (86) |  |  | (632) |  |  | (1,755) |  |  | (395) |  |  | - |  |  | 14,582 |  |  | 60 |
Commercial Real Estate |  |  | 17,880 |  |  | 1,738 |  |  | (39) |  |  | (2,108) |  |  | (410) |  |  | (7,162) |  |  | (108) |  |  | 9,791 |  |  | 6 |
Commercial |  |  | 121 |  |  | - |  |  | (26) |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 95 |  |  | - |
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Total |  | $ | 52,353 |  | $ | 12,266 |  | $ | 77 |  | $ | (16,297) |  | $ | (5,686) |  | $ | (15,465) |  | $ | (1,160) |  | $ | 26,088 |  | $ | 67 |
Nonaccrual TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 1,448 |  | $ | - |  | $ | (64) |  | $ | (639) |  | $ | 3,521 |  | $ | (57) |  | $ | (648) |  | $ | 3,561 |  | $ | 25 |
Residential Real Estate |  |  | 2,169 |  |  | 258 |  |  | (90) |  |  | (1,253) |  |  | 1,755 |  |  | (759) |  |  | (196) |  |  | 1,884 |  |  | - |
Commercial Real Estate |  |  | 2,970 |  |  | - |  |  | (281) |  |  | (866) |  |  | 410 |  |  | - |  |  | (1,391) |  |  | 842 |  |  | - |
Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Consumer |  |  | 27 |  |  | - |  |  | (1) |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 26 |  |  | 26 |
Total |  | $ | 6,614 |  | $ | 258 |  | $ | (436) |  | $ | (2,758) |  | $ | 5,686 |  | $ | (816) |  | $ | (2,235) |  | $ | 6,313 |  | $ | 51 |
Total TDRs |  | $ | 58,967 |  | $ | 12,524 |  | $ | (359) |  | $ | (19,055) |  | $ | - |  | $ | (16,281) |  | $ | (3,395) |  | $ | 32,401 |  | $ | 118 |
Troubled Debt Restructurings on Financing Receivables [Table Text Block] | The following tables provide information on loans that were modified and considered TDRs during 2014 and 2013.
|  |  | Premodification |  | Postmodification |  |  |
|  |  | outstanding |  | outstanding |  |  |
| Number of |  | recorded |  | recorded |  | Related |
(Dollars in thousands) | contracts |  | investment |  | investment |  | allowance |
TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |
For the year ended December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | - |  | $ | - |  | $ | - |  | $ | - |
Residential real estate |  |  | - |  |  | - |  |  | - |  |  | - |
Commercial real estate |  |  | - |  |  | - |  |  | - |  |  | - |
Commercial |  |  | - |  |  | - |  |  | - |  |  | - |
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |
Total |  |  | - |  | $ | - |  | $ | - |  | $ | - |
For the year ended December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | 3 |  | $ | 218 |  | $ | 218 |  | $ | - |
Residential real estate |  |  | 7 |  |  | 12,485 |  |  | 12,494 |  |  | 38 |
Commercial real estate |  |  | 4 |  |  | 2,212 |  |  | 2,211 |  |  | 82 |
Commercial |  |  | - |  |  | - |  |  | - |  |  | - |
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |
Total |  |  | 14 |  | $ | 14,915 |  | $ | 14,923 |  | $ | 120 |
Troubled Debt Restructurings that Defaulted on Financing Receivables [Table Text Block] | The following tables provide information on TDRs that defaulted during 2014 and 2013. Generally, a loan is considered in default when principal or interest is past due 90 days or more.
|  | Number of |  | Recorded |  | Related |
(Dollars in thousands) |  | contracts |  | investment |  | allowance |
TDRs that subsequently defaulted: |  |  |  |  |  |  |  |  |
For the year ended December 31, 2014 |  |  |  |  |  |  |  |  |
Construction |  | - |  | $ | - |  | $ | - |
Residential real estate |  | - |  |  | - |  |  | - |
Commercial real estate |  | - |  |  | - |  |  | - |
Commercial |  | - |  |  | - |  |  | - |
Consumer |  | - |  |  | - |  |  | - |
Total |  | - |  | $ | - |  | $ | - |
TDRs that subsequently defaulted (1): |  |  |  |  |  |  |  |  |
For the year ended December 31, 2013 |  |  |  |  |  |  |  |  |
Construction |  | - |  | $ | - |  | $ | - |
Residential real estate |  | 6 |  |  | 1,918 |  |  | - |
Commercial real estate |  | 2 |  |  | 2,151 |  |  | 74 |
Commercial |  | - |  |  | - |  |  | - |
Consumer |  | - |  |  | - |  |  | - |
Total |  | 8 |  | $ | 4,069 |  | $ | 74 |
(1) These loans were classified as TDRs during 2012.
Financing Receivable Credit Quality Indicators [Table Text Block] | The following tables provide information on loan risk ratings as of December 31, 2014 and 2013.
|  |  |  | Special |  |  |  |  |  |  |
(Dollars in thousands) |  | Pass/Performing |  | mention |  | Substandard |  | Doubtful |  | Total |
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 52,241 |  | $ | 5,643 |  | $ | 11,273 |  | $ | - |  | $ | 69,157 |
Residential real estate |  |  | 252,643 |  |  | 6,675 |  |  | 14,018 |  |  | - |  |  | 273,336 |
Commercial real estate |  |  | 275,573 |  |  | 20,040 |  |  | 10,175 |  |  | - |  |  | 305,788 |
Commercial |  |  | 50,583 |  |  | 1,885 |  |  | 114 |  |  | 89 |  |  | 52,671 |
Consumer |  |  | 9,658 |  |  | 13 |  |  | 123 |  |  | - |  |  | 9,794 |
Total |  | $ | 640,698 |  | $ | 34,256 |  | $ | 35,703 |  | $ | 89 |  | $ | 710,746 |
(Dollars in thousands) |  | Pass/Performing |  | Special mention |  | Substandard |  | Doubtful |  | Total |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 39,268 |  | $ | 15,884 |  | $ | 9,439 |  | $ | - |  | $ | 64,591 |
Residential real estate |  |  | 235,054 |  |  | 22,638 |  |  | 17,114 |  |  | 51 |  |  | 274,857 |
Commercial real estate |  |  | 255,280 |  |  | 30,105 |  |  | 19,210 |  |  | 10 |  |  | 304,605 |
Commercial |  |  | 52,032 |  |  | 3,691 |  |  | 972 |  |  | 500 |  |  | 57,195 |
Consumer |  |  | 10,451 |  |  | 48 |  |  | 172 |  |  | - |  |  | 10,671 |
Total |  | $ | 592,085 |  | $ | 72,366 |  | $ | 46,907 |  | $ | 561 |  | $ | 711,919 |
Past Due Financing Receivables [Table Text Block] | The following tables provide information on the aging of the loan portfolio as of December 31, 2014 and 2013.
|  | Accruing |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Current |  |  | 30-59 days past due |  |  | 60-89 days past due |  |  | 90 days or more past due |  |  | Total past due |  |  | Non- accrual |  |  | Total |
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 61,325 |  |  | $ | 1,786 |  |  | $ | - |  |  | $ | - |  |  | $ | 1,786 |  |  | $ | 6,046 |  |  | $ | 69,157 |
Residential real estate |  |  | 263,165 |  |  |  | 3,351 |  |  |  | 2,702 |  |  |  | 83 |  |  |  | 6,136 |  |  |  | 4,035 |  |  |  | 273,336 |
Commercial real estate |  |  | 301,695 |  |  |  | 459 |  |  |  | 513 |  |  |  | - |  |  |  | 972 |  |  |  | 3,121 |  |  |  | 305,788 |
Commercial |  |  | 52,352 |  |  |  | 47 |  |  |  | 131 |  |  |  | - |  |  |  | 178 |  |  |  | 141 |  |  |  | 52,671 |
Consumer |  |  | 9,619 |  |  |  | 11 |  |  |  | 37 |  |  |  | 4 |  |  |  | 52 |  |  |  | 123 |  |  |  | 9,794 |
Total |  | $ | 688,156 |  |  | $ | 5,654 |  |  | $ | 3,383 |  |  | $ | 87 |  |  | $ | 9,124 |  |  | $ | 13,466 |  |  | $ | 710,746 |
Percent of total loans |  |  | 96.8 | % |  |  | 0.8 | % |  |  | 0.5 | % |  |  | - | % |  |  | 1.3 | % |  |  | 1.9 | % |  |  |  |
|  | Accruing |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Current |  |  | 30-59 days past due |  |  | 60-89 days past due |  |  | 90 days or more past due |  |  | Total past due |  |  | Non-accrual |  |  | Total |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 60,642 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 3,949 |  |  | $ | 64,591 |
Residential real estate |  |  | 265,182 |  |  |  | 2,765 |  |  |  | 1,724 |  |  |  | 20 |  |  |  | 4,509 |  |  |  | 5,166 |  |  |  | 274,857 |
Commercial real estate |  |  | 299,295 |  |  |  | 639 |  |  |  | - |  |  |  | - |  |  |  | 639 |  |  |  | 4,671 |  |  |  | 304,605 |
Commercial |  |  | 55,576 |  |  |  | 330 |  |  |  | 247 |  |  |  | 250 |  |  |  | 827 |  |  |  | 792 |  |  |  | 57,195 |
Consumer |  |  | 10,469 |  |  |  | 23 |  |  |  | 131 |  |  |  | - |  |  |  | 154 |  |  |  | 48 |  |  |  | 10,671 |
Total |  | $ | 691,164 |  |  | $ | 3,757 |  |  | $ | 2,102 |  |  | $ | 270 |  |  | $ | 6,129 |  |  | $ | 14,626 |  |  | $ | 711,919 |
Percent of total loans |  |  | 97.1 | % |  |  | 0.5 | % |  |  | 0.3 | % |  |  | - | % |  |  | 0.8 | % |  |  | 2.1 | % |  |  |  |
Allowance for Credit Losses on Financing Receivables [Table Text Block] | The following tables provide a summary of the activity in the allowance for credit losses allocated by loan class for 2014 and 2013. Allocation of a portion of the allowance to one loan class does not preclude its availability to absorb losses in other loan classes.
(Dollars in thousands) |  | Construction |  | Residential real estate |  | Commercial real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total |
2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,960 |  | $ | 3,854 |  | $ | 3,029 |  | $ | 1,266 |  | $ | 243 |  | $ | 373 |  | $ | 10,725 |
Charge-offs |  |  | (725) |  |  | (2,407) |  |  | (1,648) |  |  | (2,389) |  |  | (163) |  |  | - |  |  | (7,332) |
Recoveries |  |  | 149 |  |  | 376 |  |  | 58 |  |  | 341 |  |  | 28 |  |  | - |  |  | 952 |
Net charge-offs |  |  | (576) |  |  | (2,031) |  |  | (1,590) |  |  | (2,048) |  |  | (135) |  |  | - |  |  | (6,380) |
Provision |  |  | (81) |  |  | 1,011 |  |  | 940 |  |  | 1,230 |  |  | 121 |  |  | 129 |  |  | 3,350 |
Ending balance |  | $ | 1,303 |  | $ | 2,834 |  | $ | 2,379 |  | $ | 448 |  | $ | 229 |  | $ | 502 |  | $ | 7,695 |
(Dollars in thousands) |  | Construction |  | Residential real estate |  | Commercial real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total |
2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 4,387 |  | $ | 5,194 |  | $ | 4,134 |  | $ | 1,682 |  | $ | 407 |  | $ | 187 |  | $ | 15,991 |
Charge-offs |  |  | (20,695) |  |  | (7,163) |  |  | (6,162) |  |  | (665) |  |  | (113) |  |  | - |  |  | (34,798) |
Recoveries |  |  | 161 |  |  | 545 |  |  | 161 |  |  | 839 |  |  | 42 |  |  | - |  |  | 1,748 |
Net charge-offs |  |  | (20,534) |  |  | (6,618) |  |  | (6,001) |  |  | 174 |  |  | (71) |  |  | - |  |  | (33,050) |
Provision |  |  | 18,107 |  |  | 5,278 |  |  | 4,896 |  |  | (590) |  |  | (93) |  |  | 186 |  |  | 27,784 |
Ending balance |  | $ | 1,960 |  | $ | 3,854 |  | $ | 3,029 |  | $ | 1,266 |  | $ | 243 |  | $ | 373 |  | $ | 10,725 |

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