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Loans and Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2015
Receivables [Abstract] |
Schedule of Financing Receivables [Table Text Block] | The following table provides information about the principal classes of the loan portfolio at March 31, 2015 and December 31, 2014.
|  | March 31, |  | December 31, |
(Dollars in thousands) |  | 2015 |  | 2014 |
Construction |  | $ | 77,697 |  | $ | 69,157 |
Residential real estate |  |  | 264,424 |  |  | 273,336 |
Commercial real estate |  |  | 316,389 |  |  | 305,788 |
Commercial |  |  | 55,079 |  |  | 52,671 |
Consumer |  |  | 8,016 |  |  | 9,794 |
Total loans |  |  | 721,605 |  |  | 710,746 |
Allowance for credit losses |  |  | (7,798) |  |  | (7,695) |
Total loans, net |  | $ | 713,807 |  | $ | 703,051 |
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 March 31, 2015 and December 31, 2014.
|  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total |
March 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 12,601 |  | $ | 7,975 |  | $ | 8,761 |  | $ | 99 |  | $ | 123 |  | $ | - |  | $ | 29,559 |
Loans collectively evaluated for impairment |  |  | 65,096 |  |  | 256,449 |  |  | 307,628 |  |  | 54,980 |  |  | 7,893 |  |  | - |  |  | 692,046 |
Total loans |  | $ | 77,697 |  | $ | 264,424 |  | $ | 316,389 |  | $ | 55,079 |  | $ | 8,016 |  | $ | - |  | $ | 721,605 |
Allowance for credit losses allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 729 |  | $ | 350 |  | $ | 23 |  | $ | - |  | $ | - |  | $ | - |  | $ | 1,102 |
Loans collectively evaluated for impairment |  |  | 1,155 |  |  | 1,774 |  |  | 2,316 |  |  | 441 |  |  | 180 |  |  | 830 |  |  | 6,696 |
Total allowance for credit losses |  | $ | 1,884 |  | $ | 2,124 |  | $ | 2,339 |  | $ | 441 |  | $ | 180 |  | $ | 830 |  | $ | 7,798 |
|  |  |  | 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 |
Impaired Financing Receivables [Table Text Block] | The following tables provide information on impaired loans and any related allowance by loan class as of March 31, 2015 and December 31, 2014. The difference between the unpaid principal balance and the recorded investment is the amount of partial charge-offs that have been taken.
|  |  |  | Recorded |  | Recorded |  |  |  | Quarter-to- |  | Year-to-date |
|  | Unpaid |  | investment |  | investment |  |  |  | date average |  | average |
|  | principal |  | with no |  | with an |  | Related |  | recorded |  | recorded |
(Dollars in thousands) |  | balance |  | allowance |  | allowance |  | allowance |  | investment |  | investment |
March 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Impaired nonaccrual loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 12,188 |  | $ | 5,681 |  | $ | 2,904 |  | $ | 690 |  | $ | 7,861 |  | $ | 7,861 |
Residential real estate |  |  | 2,178 |  |  | 1,557 |  |  | 95 |  |  | 95 |  |  | 2,276 |  |  | 2,276 |
Commercial real estate |  |  | 3,994 |  |  | 2,500 |  |  | - |  |  | - |  |  | 2,689 |  |  | 2,689 |
Commercial |  |  | 63 |  |  | 54 |  |  | - |  |  | - |  |  | 49 |  |  | 49 |
Consumer |  |  | 129 |  |  | 123 |  |  | - |  |  | - |  |  | 123 |  |  | 123 |
Total |  |  | 18,552 |  |  | 9,915 |  |  | 2,999 |  |  | 785 |  |  | 12,998 |  |  | 12,998 |
Impaired accruing TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | 4,016 |  |  | 3,196 |  |  | 820 |  |  | 39 |  |  | 4,019 |  |  | 4,019 |
Residential real estate |  |  | 6,322 |  |  | 659 |  |  | 5,663 |  |  | 255 |  |  | 6,338 |  |  | 6,338 |
Commercial real estate |  |  | 6,261 |  |  | 4,754 |  |  | 1,507 |  |  | 23 |  |  | 6,272 |  |  | 6,272 |
Commercial |  |  | 45 |  |  | 45 |  |  | - |  |  | - |  |  | 46 |  |  | 46 |
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Total |  |  | 16,644 |  |  | 8,654 |  |  | 7,990 |  |  | 317 |  |  | 16,675 |  |  | 16,675 |
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | 16,204 |  |  | 8,877 |  |  | 3,724 |  |  | 729 |  |  | 11,880 |  |  | 11,880 |
Residential real estate |  |  | 8,500 |  |  | 2,217 |  |  | 5,758 |  |  | 350 |  |  | 8,614 |  |  | 8,614 |
Commercial real estate |  |  | 10,255 |  |  | 7,254 |  |  | 1,507 |  |  | 23 |  |  | 8,961 |  |  | 8,961 |
Commercial |  |  | 108 |  |  | 99 |  |  | - |  |  | - |  |  | 95 |  |  | 95 |
Consumer |  |  | 129 |  |  | 123 |  |  | - |  |  | - |  |  | 123 |  |  | 123 |
Total |  | $ | 35,196 |  | $ | 18,570 |  | $ | 10,989 |  | $ | 1,102 |  | $ | 29,673 |  | $ | 29,673 |
|  |  |  | Recorded |  | Recorded |  |  |  | Quarter-to- |  | Year-to-date |
|  | Unpaid |  | investment |  | investment |  |  |  | date average |  | average |
|  | principal |  | with no |  | with an |  | Related |  | recorded |  | recorded |
(Dollars in thousands) |  | balance |  | allowance |  | allowance |  | allowance |  | investment |  | investment |
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Impaired nonaccrual loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 9,277 |  | $ | 6,045 |  | $ | - |  | $ | - |  | $ | 7,364 |  | $ | 7,739 |
Residential real estate |  |  | 4,664 |  |  | 1,053 |  |  | 2,982 |  |  | 799 |  |  | 2,681 |  |  | 3,322 |
Commercial real estate |  |  | 4,703 |  |  | 2,842 |  |  | 280 |  |  | 100 |  |  | 2,455 |  |  | 3,889 |
Commercial |  |  | 1,372 |  |  | 136 |  |  | 5 |  |  | 1 |  |  | 141 |  |  | 437 |
Consumer |  |  | 129 |  |  | 99 |  |  | 25 |  |  | 3 |  |  | 124 |  |  | 79 |
Total |  |  | 20,145 |  |  | 10,175 |  |  | 3,292 |  |  | 903 |  |  | 12,765 |  |  | 15,466 |
Impaired accruing TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | 4,022 |  |  | 3,196 |  |  | 826 |  |  | 41 |  |  | 3,609 |  |  | 2,743 |
Residential real estate |  |  | 6,368 |  |  | 668 |  |  | 5,700 |  |  | 300 |  |  | 12,401 |  |  | 15,123 |
Commercial real estate |  |  | 6,237 |  |  | 4,774 |  |  | 1,463 |  |  | 29 |  |  | 6,342 |  |  | 6,574 |
Commercial |  |  | 47 |  |  | 47 |  |  | - |  |  | - |  |  | 48 |  |  | 55 |
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Total |  |  | 16,674 |  |  | 8,685 |  |  | 7,989 |  |  | 370 |  |  | 22,400 |  |  | 24,495 |
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | 13,299 |  |  | 9,241 |  |  | 826 |  |  | 41 |  |  | 10,973 |  |  | 10,482 |
Residential real estate |  |  | 11,032 |  |  | 1,721 |  |  | 8,682 |  |  | 1,099 |  |  | 15,082 |  |  | 18,445 |
Commercial real estate |  |  | 10,940 |  |  | 7,616 |  |  | 1,743 |  |  | 129 |  |  | 8,797 |  |  | 10,463 |
Commercial |  |  | 1,419 |  |  | 183 |  |  | 5 |  |  | 1 |  |  | 189 |  |  | 492 |
Consumer |  |  | 129 |  |  | 99 |  |  | 25 |  |  | 3 |  |  | 124 |  |  | 79 |
Total |  | $ | 36,819 |  | $ | 18,860 |  | $ | 11,281 |  | $ | 1,273 |  | $ | 35,165 |  | $ | 39,961 |
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 March 31, 2015 and March 31, 2014.
|  | 1/1/15 |  |  |  |  |  |  |  | Reclassification/ |  |  |  | 3/31/15 |  |  |
|  | TDR |  | New |  | Disbursements |  | Charge |  | Transfers |  |  |  | TDR |  | Related |
(Dollars in thousands) |  | Balance |  | TDRs |  | (Payments) |  | offs |  | In/(Out) |  | Payoffs |  | Balance |  | Allowance |
For the three months ended 3/31/2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Accruing TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 4,022 |  | $ | - |  | $ | (6) |  | $ | - |  | $ | - |  | $ | - |  | $ | 4,016 |  | $ | 39 |
Residential Real Estate |  |  | 6,368 |  |  | - |  |  | (46) |  |  | - |  |  | - |  |  | - |  |  | 6,322 |  |  | 255 |
Commercial Real Estate |  |  | 6,237 |  |  | - |  |  | 24 |  |  | - |  |  | - |  |  | - |  |  | 6,261 |  |  | 23 |
Commercial |  |  | 47 |  |  | - |  |  | (2) |  |  | - |  |  | - |  |  | - |  |  | 45 |  |  | - |
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Total |  | $ | 16,674 |  | $ | - |  | $ | (30) |  | $ | - |  | $ | - |  | $ | - |  | $ | 16,644 |  | $ | 317 |
Nonaccrual TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 3,321 |  | $ | - |  | $ | (7) |  | $ | (363) |  | $ | 2,911 |  | $ | - |  | $ | 5,862 |  | $ | 690 |
Residential Real Estate |  |  | 3,382 |  |  | - |  |  | (9) |  |  | - |  |  | (2,911) |  |  | - |  |  | 462 |  |  | - |
Commercial Real Estate |  |  | 346 |  |  | - |  |  | (2) |  |  | (40) |  |  | (238) |  |  | - |  |  | 66 |  |  | - |
Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Consumer |  |  | 25 |  |  | - |  |  | (1) |  |  | - |  |  | - |  |  | - |  |  | 24 |  |  | - |
Total |  | $ | 7,074 |  | $ | - |  | $ | (19) |  | $ | (403) |  | $ | (238) |  | $ | - |  | $ | 6,414 |  | $ | 690 |
Total TDRs |  | $ | 23,748 |  | $ | - |  | $ | (49) |  | $ | (403) |  | $ | (238) |  | $ | - |  | $ | 23,058 |  | $ | 1,007 |
|  | 1/1/14 |  |  |  |  |  |  |  | Reclassification/ |  |  |  | 3/31/14 |  |  |
|  | TDR |  | New |  | Disbursements |  | Charge |  | Transfers |  |  |  | TDR |  | Related |
(Dollars in thousands) |  | Balance |  | TDRs |  | (Payments) |  | offs |  | In/(Out) |  | Payoffs |  | Balance |  | Allowance |
For the three months ended 3/31/2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Accruing TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 1,620 |  | $ | - |  | $ | (314) |  | $ | - |  | $ | - |  | $ | - |  | $ | 1,306 |  | $ | 1 |
Residential Real Estate |  |  | 14,582 |  |  | - |  |  | 1,421 |  |  | - |  |  | 201 |  |  | (158) |  |  | 16,046 |  |  | 143 |
Commercial Real Estate |  |  | 9,791 |  |  | - |  |  | (25) |  |  | (549) |  |  | (201) |  |  | (1,097) |  |  | 7,919 |  |  | 6 |
Commercial |  |  | 95 |  |  | - |  |  | (9) |  |  | - |  |  | - |  |  | (24) |  |  | 62 |  |  | 9 |
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Total |  | $ | 26,088 |  | $ | - |  | $ | 1,073 |  | $ | (549) |  | $ | - |  | $ | (1,279) |  | $ | 25,333 |  | $ | 159 |
Nonaccrual TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 3,561 |  | $ | - |  | $ | (2) |  | $ | (17) |  | $ | 760 |  | $ | - |  | $ | 4,302 |  | $ | - |
Residential Real Estate |  |  | 1,884 |  |  | - |  |  | (20) |  |  | (70) |  |  | (760) |  |  | - |  |  | 1,034 |  |  | - |
Commercial Real Estate |  |  | 842 |  |  | - |  |  | (72) |  |  | (65) |  |  | - |  |  | - |  |  | 705 |  |  | - |
Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Consumer |  |  | 26 |  |  | - |  |  | (1) |  |  | - |  |  | - |  |  | - |  |  | 25 |  |  | - |
Total |  | $ | 6,313 |  | $ | - |  | $ | (95) |  | $ | (152) |  | $ | - |  | $ | - |  | $ | 6,066 |  | $ | - |
Total TDRs |  | $ | 32,401 |  | $ | - |  | $ | 978 |  | $ | (701) |  | $ | - |  | $ | (1,279) |  | $ | 31,399 |  | $ | 159 |
Troubled Debt Restructurings that Defaulted on Financing Receivables [Table Text Block] | The following tables provide information on TDRs that defaulted during the three months ended March 31, 2015 and March 31, 2014. 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 three months ended March 31, 2015 |  |  |  |  |  |  |  |  |  |
Construction |  |  | - |  | $ | - |  | $ | - |
Residential real estate |  |  | - |  |  | - |  |  | - |
Commercial real estate |  |  | 2 |  |  | 279 |  |  | - |
Commercial |  |  | - |  |  | - |  |  | - |
Consumer |  |  | - |  |  | - |  |  | - |
Total |  |  | 2 |  | $ | 279 |  | $ | - |
TDRs that subsequently defaulted: |  |  |  |  |  |  |  |  |  |
For the three months ended March 30, 2014 |  |  |  |  |  |  |  |  |  |
Construction |  |  | - |  | $ | - |  | $ | - |
Residential real estate |  |  | - |  |  | - |  |  | - |
Commercial real estate |  |  | - |  |  | - |  |  | - |
Commercial |  |  | - |  |  | - |  |  | - |
Consumer |  |  | - |  |  | - |  |  | - |
Total |  |  | - |  | $ | - |  | $ | - |
Financing Receivable Credit Quality Indicators [Table Text Block] | The following tables provide information on loan risk ratings as of March 31, 2015 and December 31, 2014.
|  |  |  | Special |  |  |  |  |  |  |
(Dollars in thousands) |  | Pass/Performing |  | mention |  | Substandard |  | Doubtful |  | Total |
March 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 60,330 |  | $ | 3,472 |  | $ | 13,895 |  | $ | - |  | $ | 77,697 |
Residential real estate |  |  | 245,964 |  |  | 7,646 |  |  | 10,790 |  |  | 24 |  |  | 264,424 |
Commercial real estate |  |  | 286,695 |  |  | 20,047 |  |  | 9,647 |  |  | - |  |  | 316,389 |
Commercial |  |  | 53,076 |  |  | 1,896 |  |  | 107 |  |  | - |  |  | 55,079 |
Consumer |  |  | 7,852 |  |  | 41 |  |  | 123 |  |  | - |  |  | 8,016 |
Total |  | $ | 653,917 |  | $ | 33,102 |  | $ | 34,562 |  | $ | 24 |  | $ | 721,605 |
|  |  |  | 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 |
Past Due Financing Receivables [Table Text Block] | The following tables provide information on the aging of the loan portfolio as of March 31, 2015 and December 31, 2014.
|  | Accruing |  |  |  |  |  |  |
|  |  |  |  | 30-59 |  |  | 60-89 |  |  | 90 days |  |  |  |  |  |  |  |  |  |
|  |  |  |  | days |  |  | days past |  |  | or more |  |  | Total past |  |  |  |  |  |  |
(Dollars in thousands) |  | Current |  |  | past due |  |  | due |  |  | past due |  |  | due |  |  | Nonaccrual |  |  | Total |
March 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 68,844 |  |  | $ | 268 |  |  | $ | - |  |  | $ | — |  |  | $ | 268 |  |  | $ | 8,585 |  |  | $ | 77,697 |
Residential real estate |  |  | 257,818 |  |  |  | 1,933 |  |  |  | 3,012 |  |  |  | 9 |  |  |  | 4,954 |  |  |  | 1,652 |  |  |  | 264,424 |
Commercial real estate |  |  | 311,204 |  |  |  | 1,555 |  |  |  | 1,130 |  |  |  | - |  |  |  | 2,685 |  |  |  | 2,500 |  |  |  | 316,389 |
Commercial |  |  | 54,798 |  |  |  | 70 |  |  |  | 157 |  |  |  | - |  |  |  | 227 |  |  |  | 54 |  |  |  | 55,079 |
Consumer |  |  | 7,825 |  |  |  | 35 |  |  |  | 6 |  |  |  | 27 |  |  |  | 68 |  |  |  | 123 |  |  |  | 8,016 |
Total |  | $ | 700,489 |  |  | $ | 3,861 |  |  | $ | 4,305 |  |  | $ | 36 |  |  | $ | 8,202 |  |  | $ | 12,914 |  |  | $ | 721,605 |
Percent of total loans |  |  | 97.1 | % |  |  | 0.5 | % |  |  | 0.6 | % |  |  | - | % |  |  | 1.1 | % |  |  | 1.8 | % |  |  |  |
|  | Accruing |  |  |  |  |  |  |
|  |  |  |  | 30-59 |  |  | 60-89 |  |  | 90 days or |  |  |  |  |  |  |  |  |  |
|  |  |  |  | days |  |  | days past |  |  | more past |  |  | Total past |  |  |  |  |  |  |
(Dollars in thousands) |  | Current |  |  | past due |  |  | due |  |  | due |  |  | due |  |  | Nonaccrual |  |  | 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 | % |  |  |  |
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 the three months ended March 31, 2015 and 2014. Allocation of a portion of the allowance to one loan class does not preclude its availability to absorb losses in other loan classes.
|  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total |
For the three months ended March 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,303 |  | $ | 2,834 |  | $ | 2,379 |  | $ | 448 |  | $ | 229 |  | $ | 502 |  | $ | 7,695 |
Charge-offs |  |  | (363) |  |  | (114) |  |  | (40) |  |  | (124) |  |  | (10) |  |  | - |  |  | (651) |
Recoveries |  |  | 3 |  |  | 23 |  |  | 13 |  |  | 47 |  |  | 18 |  |  | - |  |  | 104 |
Net charge-offs |  |  | (360) |  |  | (91) |  |  | (27) |  |  | (77) |  |  | 8 |  |  | - |  |  | (547) |
Provision |  |  | 941 |  |  | (619) |  |  | (13) |  |  | 70 |  |  | (57) |  |  | 328 |  |  | 650 |
Ending balance |  | $ | 1,884 |  | $ | 2,124 |  | $ | 2,339 |  | $ | 441 |  | $ | 180 |  | $ | 830 |  | $ | 7,798 |
|  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total |
For the three months ended March 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,960 |  | $ | 3,854 |  | $ | 3,029 |  | $ | 1,266 |  | $ | 243 |  | $ | 373 |  | $ | 10,725 |
Charge-offs |  |  | (17) |  |  | (672) |  |  | (90) |  |  | (842) |  |  | (127) |  |  | - |  |  | (1,748) |
Recoveries |  |  | 10 |  |  | 43 |  |  | 6 |  |  | 50 |  |  | 8 |  |  | - |  |  | 117 |
Net charge-offs |  |  | (7) |  |  | (629) |  |  | (84) |  |  | (792) |  |  | (119) |  |  | - |  |  | (1,631) |
Provision |  |  | 44 |  |  | (1,139) |  |  | 1,639 |  |  | 203 |  |  | 184 |  |  | 44 |  |  | 975 |
Ending balance |  | $ | 1,997 |  | $ | 2,086 |  | $ | 4,584 |  | $ | 677 |  | $ | 308 |  | $ | 417 |  | $ | 10,069 |

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