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Loans (Tables)

6 Months Ended

Jun. 30, 2012

Loans [Abstract]

Composition of Loan Portfolio

The following table shows the composition of the Company's loan portfolio as of June 30, 2012 and 2011 and at December 31, 2011:

		June 30, 2012								December 31, 2011								June 30, 2011
Commercial
Real estate		$	253,193,000				28.7	%		$	255,424,000				29.5	%		$	263,337,000				29.7	%
Construction			33,072,000				3.8	%			32,574,000				3.8	%			29,386,000				3.3	%
Other			87,833,000				10.0	%			86,982,000				10.1	%			102,499,000				11.6	%
Municipal			16,089,000				1.8	%			16,221,000				1.9	%			19,974,000				2.3	%
Residential
Term			368,876,000				41.8	%			341,286,000				39.5	%			335,807,000				37.9	%
Construction			6,449,000				0.7	%			10,469,000				1.2	%			11,063,000				1.2	%
Home equity line of credit			100,689,000				11.4	%			105,244,000				12.1	%			107,224,000				12.0	%
Consumer			15,613,000				1.8	%			16,788,000				1.9	%			17,639,000				2.0	%
Total		$	881,814,000				100.0	%		$	864,988,000				100.0	%		$	886,929,000				100.0	%

Past Due Loans Aging

Information on the past-due status of loans by class of financing receivable as of June 30, 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		$	13,000			$	1,858,000			$	1,871,000			$	251,322,000			$	253,193,000			$	-
Construction			119,000				34,000				153,000				32,919,000				33,072,000				-
Other			443,000				1,398,000				1,841,000				85,992,000				87,833,000				-
Municipal			1,560,000				-				1,560,000				14,529,000				16,089,000				-
Residential
Term			3,191,000				7,878,000				11,069,000				357,807,000				368,876,000				-
Construction			-				1,336,000				1,336,000				5,113,000				6,449,000				-
Home equity line of credit			530,000				1,311,000				1,841,000				98,848,000				100,689,000				-
Consumer			189,000				180,000				369,000				15,244,000				15,613,000				164,000
Total		$	6,045,000			$	13,995,000			$	20,040,000			$	861,774,000			$	881,814,000			$	164,000

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 June 30, 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		$	2,227,000			$	4,051,000			$	6,278,000			$	257,059,000			$	263,337,000			$	-
Construction			117,000				-				117,000				29,269,000				29,386,000				-
Other			544,000				997,000				1,541,000				100,958,000				102,499,000				38,000
Municipal			-				-				-				19,974,000				19,974,000				-
Residential
Term			6,093,000				9,916,000				16,009,000				319,798,000				335,807,000				309,000
Construction			-				334,000				334,000				10,729,000				11,063,000				-
Home equity line of credit			868,000				740,000				1,608,000				105,616,000				107,224,000				-
Consumer			258,000				8,000				266,000				17,373,000				17,639,000				8,000
Total		$	10,107,000			$	16,046,000			$	26,153,000			$	860,776,000			$	886,929,000			$	355,000

Nonaccrual Loans

Information on nonaccrual loans as of June 30, 2012 and 2011 and at December 31, 2011 is presented in the following table:

		June 30, 2012				December 31, 2011				June 30, 2011
Commercial
Real estate		$	5,545,000			$	7,064,000			$	6,746,000
Construction			521,000				2,350,000				771,000
Other			2,361,000				5,784,000				2,095,000
Municipal			-				-				-
Residential
Term			10,723,000				10,194,000				11,260,000
Construction			1,336,000				1,198,000				334,000
Home equity line of credit			1,456,000				1,163,000				740,000
Consumer			16,000				53,000				103,000
Total		$	21,958,000			$	27,806,000			$	22,049,000

Impaired Loans by class of financing receivable

A breakdown of impaired loans by class of financing receivable as of June 30, 2012, is presented in the following table:

														For six months ended June 30, 2012								For the quarter ended June 30, 2012
		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Recognized Interest Income				Average Recorded Investment				Recognized Interest Income
With No Related Allowance
Commercial
Real estate		$	10,313,000			$	10,313,000			$	-			$	9,729,000			$	111,000			$	11,013,000			$	71,000
Construction			1,464,000				1,464,000				-				2,189,000				26,000				1,395,000				13,000
Other			2,249,000				2,249,000				-				2,710,000				16,000				2,439,000				21,000
Municipal			-				-				-				-				-				-				-
Residential																			-
Term			8,695,000				8,695,000				-				9,662,000				71,000				9,322,000				41,000
Construction			1,002,000				1,002,000				-				880,000				-				1,042,000				-
Home equity line of credit			740,000				740,000				-				758,000				-				740,000				-
Consumer			-				-				-				6,000				-				-				-
		$	24,463,000			$	24,463,000			$	-			$	25,934,000			$	224,000			$	25,951,000			$	146,000
With an Allowance Recorded
Commercial
Real estate		$	3,482,000			$	3,482,000			$	1,133,000			$	4,026,000			$	16,000			$	3,775,000			$	6,000
Construction			2,155,000				2,155,000				787,000				1,376,000				37,000				2,155,000				37,000
Other			1,851,000				1,851,000				932,000				2,013,000				18,000				1,802,000				13,000
Municipal			-				-				-				-				-				-				-
Residential
Term			10,357,000				10,357,000				966,000				8,487,000				127,000				9,525,000				68,000
Construction			334,000				334,000				48,000				466,000				-				334,000				-
Home equity line of credit			716,000				716,000				300,000				566,000				-				613,000				-
Consumer			16,000				16,000				11,000				15,000				-				15,000				-
		$	18,911,000			$	18,911,000			$	4,177,000			$	16,949,000			$	198,000			$	18,219,000			$	124,000
Total
Commercial
Real estate		$	13,795,000			$	13,795,000			$	1,133,000			$	13,755,000			$	127,000			$	14,788,000			$	77,000
Construction			3,619,000				3,619,000				787,000				3,565,000				63,000				3,550,000				50,000
Other			4,100,000				4,100,000				932,000				4,723,000				34,000				4,241,000				34,000
Municipal			-				-				-				-				-				-				-
Residential
Term			19,052,000				19,052,000				966,000				18,149,000				198,000				18,847,000				109,000
Construction			1,336,000				1,336,000				48,000				1,346,000				-				1,376,000				-
Home equity line of credit			1,456,000				1,456,000				300,000				1,324,000				-				1,353,000				-
Consumer			16,000				16,000				11,000				21,000				-				15,000				-
		$	43,374,000			$	43,374,000			$	4,177,000			$	42,883,000			$	422,000			$	44,170,000			$	270,000

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				-				1,072,000				143,000
Other			6,022,000				6,022,000				-				1,918,000				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 June 30, 2011, is presented in the following table:

														For six months ended June 30, 2011								For the quarter ended June 30, 2011
		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Recognized Interest Income				Average Recorded Investment				Recognized Interest Income
With No Related Allowance
Commercial
Real estate		$	5,841,000			$	5,841,000			$	-			$	5,151,000			$	12,000			$	5,738,000			$	6,000
Construction			772,000				772,000				-				617,000				72,000				790,000				36,000
Other			1,056,000				1,056,000				-				1,118,000				14,000				1,064,000				7,000
Municipal			-				-				-				-				-				-				-
Residential																											-
Term			10,818,000				10,818,000				-				8,957,000				27,000				9,785,000				13,000
Construction			334,000				334,000				-				1,641,000				-				348,000				-
Home equity line of credit			509,000				509,000				-				417,000				-				516,000				-
Consumer			38,000				38,000				-				40,000				-				38,000				-
		$	19,368,000			$	19,368,000			$	-			$	17,941,000			$	125,000			$	18,279,000			$	62,000
With an Allowance Recorded
Commercial
Real estate		$	905,000			$	905,000			$	613,000			$	2,021,000			$	52,000			$	1,785,000			$	26,000
Construction			-				-				-				227,000				-				3,000				-
Other			1,039,000				1,039,000				857,000				652,000				10,000				754,000				5,000
Municipal			-				-				-				-				-				-				-
Residential																											-
Term			5,373,000				5,373,000				265,000				5,254,000				114,000				4,978,000				57,000
Construction			-				-				-				192,000				-				192,000				-
Home equity line of credit			231,000				231,000				165,000				256,000				-				281,000				-
Consumer			65,000				65,000				65,000				69,000				-				65,000				-
		$	7,613,000			$	7,613,000			$	1,965,000			$	8,671,000			$	176,000			$	8,058,000			$	88,000
Total
Commercial
Real estate		$	6,746,000			$	6,746,000			$	613,000			$	7,172,000			$	64,000			$	7,521,000			$	32,000
Construction			772,000				772,000				-				844,000				72,000				793,000				36,000
Other			2,095,000				2,095,000				857,000				1,770,000				24,000				1,816,000				12,000
Municipal			-				-				-				-				-				-				-
Residential																			-								-
Term			16,191,000				16,191,000				265,000				14,211,000				141,000				14,761,000				70,000
Construction			334,000				334,000				-				1,833,000				-				539,000				-
Home equity line of credit			740,000				740,000				165,000				673,000				-				797,000				-
Consumer			103,000				103,000				65,000				109,000				-				103,000				-
		$	26,981,000			$	26,981,000			$	1,965,000			$	26,612,000			$	301,000			$	26,330,000			$	150,000

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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

-Paragraph 15

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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

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=6965416&loc=d3e5111-111524



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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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-Topic 310

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