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Loans (Tables)

3 Months Ended

Mar. 31, 2012

Loans [Abstract]

Composition of Loan Portfolio

The following table shows the composition of the Company's loan portfolio as of March 31, 2012 and 2011 and at December 31, 2011:

		March 31, 2012								December 31, 2011								March 31, 2011
Commercial
Real estate		$	254,708,000				29.3	%		$	255,424,000				29.5	%		$	263,800,000				29.5	%
Construction			30,828,000				3.5	%			32,574,000				3.8	%			29,316,000				3.3	%
Other			85,467,000				9.8	%			86,982,000				10.1	%			101,762,000				11.4	%
Municipal			15,961,000				1.8	%			16,221,000				1.9	%			20,834,000				2.3	%
Residential
Term			358,394,000				41.2	%			341,286,000				39.5	%			340,841,000				38.1	%
Construction			6,451,000				0.7	%			10,469,000				1.2	%			13,370,000				1.5	%
Home equity line of credit			103,372,000				11.9	%			105,244,000				12.1	%			106,172,000				11.8	%
Consumer			15,711,000				1.8	%			16,788,000				1.9	%			18,589,000				2.1	%
Total		$	870,892,000				100.0	%		$	864,988,000				100.0	%		$	894,684,000				100.0	%

Past Due Loans Aging

Information on the past-due status of loans by class of financing receivable as of March 31, 2012, is presented in the following table:

		30-89 Days Past Due				90+ Days Past Due				All Past Due				Current				Total				90+ Days & Accruing
Commercial
Real estate		$	623,000			$	4,526,000			$	5,149,000			$	249,559,000			$	254,708,000			$	1,025,000
Construction			1,951,000				35,000				1,986,000				28,842,000				30,828,000				-
Other			1,578,000				1,869,000				3,447,000				82,020,000				85,467,000				563,000
Municipal			-				-				-				15,961,000				15,961,000				-
Residential
Term			3,324,000				9,299,000				12,623,000				345,771,000				358,394,000				359,000
Construction			492,000				1,454,000				1,946,000				4,505,000				6,451,000				-
Home equity line of credit			86,000				1,156,000				1,242,000				102,130,000				103,372,000				-
Consumer			173,000				8,000				181,000				15,530,000				15,711,000				8,000
Total		$	8,227,000			$	18,347,000			$	26,574,000			$	844,318,000			$	870,892,000			$	1,955,000

Information on the past-due status of loans by class of financing receivable as of December 31, 2011, is presented in the following table:

		30-89 Days Past Due				90+ Days Past Due				All Past Due				Current				Total				90+ Days & Accruing
Commercial
Real estate		$	2,872,000			$	3,992,000			$	6,864,000			$	248,560,000			$	255,424,000			$	-
Construction			174,000				1,603,000				1,777,000				30,797,000				32,574,000				-
Other			1,431,000				1,192,000				2,623,000				84,359,000				86,982,000				52,000
Municipal			-				-				-				16,221,000				16,221,000				-
Residential
Term			3,331,000				8,843,000				12,174,000				329,112,000				341,286,000				1,118,000
Construction			-				1,198,000				1,198,000				9,271,000				10,469,000				-
Home equity line of credit			480,000				1,134,000				1,614,000				103,630,000				105,244,000				-
Consumer			331,000				16,000				347,000				16,441,000				16,788,000				-
Total		$	8,619,000			$	17,978,000			$	26,597,000			$	838,391,000			$	864,988,000			$	1,170,000

Information on the past-due status of loans by class of financing receivable as of March 31, 2011, is presented in the following table:

		30-89 Days Past Due				90+ Days Past Due				All Past Due				Current				Total				90+ Days & Accruing
Commercial
Real estate		$	682,000			$	6,431,000			$	7,113,000			$	256,687,000			$	263,800,000			$	270,000
Construction			65,000				256,000				321,000				28,995,000				29,316,000				-
Other			858,000				563,000				1,421,000				100,341,000				101,762,000				2,000
Municipal			-				-				-				20,834,000				20,834,000				-
Residential
Term			5,456,000				8,623,000				14,079,000				326,762,000				340,841,000				-
Construction			-				2,247,000				2,247,000				11,123,000				13,370,000				-
Home equity line of credit			759,000				604,000				1,363,000				104,809,000				106,172,000				-
Consumer			250,000				19,000				269,000				18,320,000				18,589,000				19,000
Total		$	8,070,000			$	18,743,000			$	26,813,000			$	867,871,000			$	894,684,000			$	291,000

Nonaccrual Loans

Information on nonaccrual loans as of March 31, 2012 and 2011 and at December 31, 2011 is presented in the following table:

		March 31, 2012				December 31, 2011				March 31, 2011
Commercial
Real estate		$	7,160,000			$	7,064,000			$	7,482,000
Construction			946,000				2,350,000				813,000
Other			2,634,000				5,784,000				1,615,000
Municipal			-				-				-
Residential
Term			10,893,000				10,194,000				9,632,000
Construction			1,454,000				1,198,000				2,247,000
Home equity line of credit			1,336,000				1,163,000				604,000
Consumer			15,000				53,000				105,000
Total		$	24,438,000			$	27,806,000			$	22,498,000

Impaired Loans by class of financing receivable

A breakdown of impaired loans by class of financing receivable as of March 31, 2012, is presented in the following table:

		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Recognized Interest Income
With No Related Allowance
Commercial
Real estate		$	10,704,000			$	10,704,000			$	-			$	8,445,000			$	40,000
Construction			1,362,000				1,362,000				-				2,983,000				13,000
Other			2,811,000				2,811,000				-				2,981,000				8,000
Municipal			-				-				-				-				-
Residential																			-
Term			9,930,000				9,930,000				-				10,001,000				30,000
Construction			1,120,000				1,120,000				-				718,000				-
Home equity line of credit			774,000				774,000				-				776,000				-
Consumer			-				-				-				12,000				-
		$	26,701,000			$	26,701,000			$	-			$	25,916,000			$	91,000
With an Allowance Recorded
Commercial
Real estate		$	3,591,000			$	3,591,000			$	944,000			$	4,278,000			$	10,000
Construction			731,000				731,000				117,000				597,000				-
Other			1,075,000				1,075,000				480,000				2,223,000				5,000
Municipal			-				-				-				-				-
Residential
Term			8,124,000				8,124,000				592,000				7,449,000				59,000
Construction			334,000				334,000				49,000				598,000				-
Home equity line of credit			562,000				562,000				156,000				519,000				-
Consumer			15,000				15,000				10,000				15,000				-
		$	14,432,000			$	14,432,000			$	2,348,000			$	15,679,000			$	74,000
Total
Commercial
Real estate		$	14,295,000			$	14,295,000			$	944,000			$	12,723,000			$	50,000
Construction			2,093,000				2,093,000				117,000				3,580,000				13,000
Other			3,886,000				3,886,000				480,000				5,204,000				13,000
Municipal			-				-				-				-				-
Residential
Term			18,054,000				18,054,000				592,000				17,450,000				89,000
Construction			1,454,000				1,454,000				49,000				1,316,000				-
Home equity line of credit			1,336,000				1,336,000				156,000				1,295,000				-
Consumer			15,000				15,000				10,000				27,000				-
		$	41,133,000			$	41,133,000			$	2,348,000			$	41,595,000			$	165,000

Substantially all interest income recognized on impaired loans for all classes of financing receivables was recognized on a cash basis as received.

A breakdown of impaired loans by class of financing receivable as of December 31, 2011, is presented in the following table:

		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Recognized Interest Income
With No Related Allowance
Commercial
Real estate		$	5,584,000			$	5,584,000			$	-			$	5,212,000			$	23,000
Construction			5,172,000				5,172,000				-				1,071,000				143,000
Other			6,022,000				6,022,000				-				1,919,000				28,000
Municipal			-				-				-				-				-
Residential
Term			9,875,000				9,875,000				-				9,493,000				54,000
Construction			468,000				468,000				-				961,000				-
Home equity line of credit			739,000				739,000				-				646,000				-
Consumer			37,000				37,000				-				39,000				-
		$	27,897,000			$	27,897,000			$	-			$	19,341,000			$	248,000
With an Allowance Recorded
Commercial
Real estate		$	4,557,000			$	4,557,000			$	808,000			$	2,307,000			$	103,000
Construction			530,000				530,000				33,000				247,000				-
Other			1,020,000				1,020,000				402,000				681,000				19,000
Municipal			-				-				-				-				-
Residential
Term			6,946,000				6,946,000				478,000				5,628,000				228,000
Construction			730,000				730,000				235,000				244,000				-
Home equity line of credit			424,000				424,000				91,000				272,000				-
Consumer			16,000				16,000				11,000				57,000				-
		$	14,223,000			$	14,223,000			$	2,058,000			$	9,436,000			$	350,000
Total
Commercial
Real estate		$	10,141,000			$	10,141,000			$	808,000			$	7,519,000			$	126,000
Construction			5,702,000				5,702,000				33,000				1,318,000				143,000
Other			7,042,000				7,042,000				402,000				2,600,000				47,000
Municipal			-				-				-				-				-
Residential
Term			16,821,000				16,821,000				478,000				15,121,000				282,000
Construction			1,198,000				1,198,000				235,000				1,205,000				-
Home equity line of credit			1,163,000				1,163,000				91,000				918,000				-
Consumer			53,000				53,000				11,000				96,000				-
		$	42,120,000			$	42,120,000			$	2,058,000			$	28,777,000			$	598,000

A breakdown of impaired loans by class of financing receivable as of March 31, 2011, is presented in the following table:

		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Recognized Interest Income
With No Related Allowance
Commercial
Real estate		$	5,354,000			$	5,354,000			$	-			$	4,557,000			$	6,000
Construction			813,000				813,000				-				442,000				36,000
Other			1,033,000				1,033,000				-				1,173,000				7,000
Municipal			-				-				-				-				-
Residential
Term			8,907,000				8,907,000				-				8,120,000				14,000
Construction			1,672,000				1,672,000				-				2,948,000				-
Home equity line of credit			373,000				373,000				-				317,000				-
Consumer			39,000				39,000				-				42,000				-
		$	18,191,000			$	18,191,000			$	-			$	17,599,000			$	63,000
With an Allowance Recorded
Commercial
Real estate		$	2,128,000			$	2,128,000			$	593,000			$	2,260,000			$	26,000
Construction			-				-				-				453,000				-
Other			571,000				571,000				326,000				549,000				5,000
Municipal			-				-				-				-				-
Residential
Term			5,041,000				5,041,000				381,000				5,533,000				57,000
Construction			576,000				576,000				106,000				192,000				-
Home equity line of credit			231,000				231,000				139,000				231,000				-
Consumer			76,000				76,000				76,000				73,000				-
		$	8,623,000			$	8,623,000			$	1,621,000			$	9,291,000			$	88,000
Total
Commercial
Real estate		$	7,482,000			$	7,482,000			$	593,000			$	6,817,000			$	32,000
Construction			813,000				813,000				-				895,000				36,000
Other			1,604,000				1,604,000				326,000				1,722,000				12,000
Municipal			-				-				-				-				-
Residential
Term			13,948,000				13,948,000				381,000				13,653,000				71,000
Construction			2,248,000				2,248,000				106,000				3,140,000				-
Home equity line of credit			604,000				604,000				139,000				548,000				-
Consumer			115,000				115,000				76,000				115,000				-
		$	26,814,000			$	26,814,000			$	1,621,000			$	26,890,000			$	151,000

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Tabular disclosure of the composition of loans contained in the loan portfolio.

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Tabular disclosure of impaired financing receivables.

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-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

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Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

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-SubTopic 10

-Section 50

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Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.

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