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Loans (Tables)

9 Months Ended

Sep. 30, 2012

Loans [Abstract]

Composition of Loan Portfolio

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

		September 30, 2012								December 31, 2011								September 30, 2011
Commercial
Real estate		$	256,531,000				29.5	%		$	255,424,000				29.5	%		$	257,910,000				29.7	%
Construction			21,905,000				2.5	%			32,574,000				3.8	%			30,345,000				3.5	%
Other			83,703,000				9.6	%			86,982,000				10.1	%			96,045,000				11.1	%
Municipal			16,448,000				1.9	%			16,221,000				1.9	%			19,853,000				2.3	%
Residential
Term			369,949,000				42.5	%			341,286,000				39.5	%			329,730,000				38.0	%
Construction			6,528,000				0.8	%			10,469,000				1.2	%			12,061,000				1.4	%
Home equity line of credit			100,099,000				11.5	%			105,244,000				12.1	%			105,891,000				12.1	%
Consumer			14,708,000				1.7	%			16,788,000				1.9	%			16,738,000				1.9	%
Total		$	869,871,000				100.0	%		$	864,988,000				100.0	%		$	868,573,000				100.0	%

Past Due Loans Aging

Information on the past-due status of loans by class of financing receivable as of September 30, 2012, is presented in the following table:

		30-59 Days Past Due				60-89 Days Past Due				90+ Days Past Due				All Past Due				Current				Total				90+ Days & Accruing
Commercial
Real estate		$	190,000			$	102,000			$	2,105,000			$	2,397,000			$	254,134,000			$	256,531,000			$	283,000
Construction			31,000				-				154,000				185,000				21,720,000				21,905,000				-
Other			448,000				248,000				1,790,000				2,486,000				81,217,000				83,703,000				-
Municipal			-				-				-				-				16,448,000				16,448,000				-
Residential
Term			1,436,000				2,536,000				9,047,000				13,019,000				356,930,000				369,949,000				1,442,000
Construction			-				-				23,000				23,000				6,505,000				6,528,000				-
Home equity line of credit			358,000				-				1,000,000				1,358,000				98,741,000				100,099,000				-
Consumer			169,000				19,000				63,000				251,000				14,457,000				14,708,000				62,000
Total		$	2,632,000			$	2,905,000			$	14,182,000			$	19,719,000			$	850,152,000			$	869,871,000			$	1,787,000

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

		30-59 Days Past Due				60-89 Days Past Due				90+ Days Past Due				All Past Due				Current				Total				90+ Days & Accruing
Commercial
Real estate		$	1,367,000			$	1,505,000			$	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			665,000				766,000				1,192,000				2,623,000				84,359,000				86,982,000				52,000
Municipal			-								-				-				16,221,000				16,221,000				-
Residential
Term			1,933,000				1,398,000				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			230,000				101,000				16,000				347,000				16,441,000				16,788,000				-
Total		$	4,675,000			$	3,944,000			$	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 September 30, 2011, is presented in the following table:

		30-59 Days Past Due				60-89 Days Past Due				90+ Days Past Due				All Past Due				Current				Total				90+ Days & Accruing
Commercial
Real estate		$	1,337,000			$	341,000			$	3,437,000			$	5,115,000			$	252,795,000			$	257,910,000			$	-
Construction			-				-				35,000				35,000				30,310,000				30,345,000				-
Other			820,000				155,000				802,000				1,777,000				94,268,000				96,045,000				71,000
Municipal			-				-				-				-				19,853,000				19,853,000				-
Residential
Term			1,274,000				954,000				7,945,000				10,173,000				319,557,000				329,730,000				1,213,000
Construction			-				-				396,000				396,000				11,665,000				12,061,000				-
Home equity line of credit			232,000				13,000				1,234,000				1,479,000				104,412,000				105,891,000				-
Consumer			115,000				25,000				7,000				147,000				16,591,000				16,738,000				7,000
Total		$	3,778,000			$	1,488,000			$	13,856,000			$	19,122,000			$	849,451,000			$	868,573,000			$	1,291,000

Nonaccrual Loans

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

		September 30, 2012				December 31, 2011				September 30, 2011
Commercial
Real estate		$	5,200,000			$	7,064,000			$	6,056,000
Construction			3,546,000				2,350,000				792,000
Other			3,030,000				5,784,000				1,327,000
Municipal			-				-				-
Residential
Term			10,745,000				10,194,000				11,073,000
Construction			23,000				1,198,000				396,000
Home equity line of credit			1,028,000				1,163,000				1,234,000
Consumer			1,000				53,000				102,000
Total		$	23,573,000			$	27,806,000			$	20,980,000

Impaired Loans by class of financing receivable

A breakdown of impaired loans by class of financing receivable as of and for the period ended September 30, 2012, is presented in the following table:

														For the nine months ended September 30, 2012								For the quarter ended September 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		$	10,142,000			$	10,858,000			$	-			$	10,238,000			$	134,000			$	11,257,000			$	23,000
Construction			4,694,000				4,694,000				-				2,319,000				34,000				2,578,000				8,000
Other			2,362,000				2,543,000				-				2,548,000				22,000				2,223,000				6,000
Municipal			-				-				-				-				-				-				-
Residential
Term			8,414,000				8,870,000				-				9,267,000				102,000				8,477,000				31,000
Construction			23,000				272,000				-				747,000				-				481,000				-
Home equity line of credit			957,000				1,076,000				-				868,000				14,000				1,089,000				14,000
Consumer			-				-				-				4,000				-				-				-
		$	26,592,000			$	28,313,000			$	-			$	25,991,000			$	306,000			$	26,105,000			$	82,000
With an Allowance Recorded
Commercial
Real estate		$	6,179,000			$	6,416,000			$	1,416,000			$	4,058,000			$	113,000			$	4,119,000			$	97,000
Construction			1,951,000				1,951,000				696,000				1,613,000				61,000				2,086,000				24,000
Other			2,543,000				2,573,000				1,240,000				2,105,000				28,000				2,290,000				10,000
Municipal			-				-				-				-				-				-				-
Residential
Term			10,891,000				11,066,000				1,494,000				9,215,000				202,000				10,672,000				75,000
Construction			-				-				-				348,000				-				111,000				-
Home equity line of credit			488,000				488,000				215,000				563,000				-				558,000				-
Consumer			1,000				1,000				1,000				12,000				-				6,000				-
		$	22,053,000			$	22,495,000			$	5,062,000			$	17,914,000			$	404,000			$	19,842,000			$	206,000
Total
Commercial
Real estate		$	16,321,000			$	17,274,000			$	1,416,000			$	14,296,000			$	247,000			$	15,376,000			$	120,000
Construction			6,645,000				6,645,000				696,000				3,931,000				95,000				4,664,000				32,000
Other			4,905,000				5,116,000				1,240,000				4,653,000				50,000				4,513,000				16,000
Municipal			-				-				-				-				-				-				-
Residential
Term			19,305,000				19,936,000				1,494,000				18,482,000				304,000				19,149,000				106,000
Construction			23,000				272,000				-				1,095,000				-				592,000				-
Home equity line of credit			1,445,000				1,564,000				215,000				1,432,000				14,000				1,647,000				14,000
Consumer			1,000				1,000				1,000				16,000				-				6,000				-
		$	48,645,000			$	50,808,000			$	5,062,000			$	43,905,000			$	710,000			$	45,947,000			$	288,000

A breakdown of impaired loans by class of financing receivable as of and for the year ended 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 and for the period ended September 30, 2011, is presented in the following table:

														For the nine months ended September 30, 2011								For the quarter ended September 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		$	5,008,000			$	5,008,000			$	-			$	5,268,000			$	-			$	5,384,000			$	-
Construction			792,000				792,000				-				670,000				-				775,000				-
Other			1,295,000				1,295,000				-				1,150,000				-				1,215,000				-
Municipal			-				-				-				-				-				-				-
Residential
Term			10,104,000				10,104,000				-				9,482,000				-				10,650,000				-
Construction			314,000				314,000				-				1,203,000				-				328,000				-
Home equity line of credit			886,000				886,000				-				618,000				-				1,018,000				-
Consumer			38,000				38,000				-				40,000				-				38,000				-
		$	18,437,000			$	18,437,000			$	-			$	18,431,000			$	-			$	19,408,000			$	-
With an Allowance Recorded
Commercial
Real estate		$	2,731,000			$	2,731,000			$	636,000			$	1,858,000			$	43,000			$	1,532,000			$	15,000
Construction			-				-				-				151,000				-				-				-
Other			645,000				645,000				352,000				651,000				16,000				648,000				6,000
Municipal			-				-				-				-				-				-				-
Residential
Term			5,963,000				5,963,000				398,000				5,370,000				187,000				5,602,000				63,000
Construction			82,000				82,000				82,000				155,000				-				82,000				-
Home equity line of credit			348,000				348,000				95,000				247,000				-				230,000				-
Consumer			64,000				64,000				64,000				67,000				-				64,000				-
		$	9,833,000			$	9,833,000			$	1,627,000			$	8,499,000			$	246,000			$	8,158,000			$	84,000
Total
Commercial
Real estate		$	7,739,000			$	7,739,000			$	636,000			$	7,126,000			$	43,000			$	6,917,000			$	15,000
Construction			792,000				792,000				-				821,000				-				775,000				-
Other			1,940,000				1,940,000				352,000				1,801,000				16,000				1,863,000				6,000
Municipal			-				-				-				-				-				-				-
Residential
Term			16,067,000				16,067,000				398,000				14,852,000				187,000				16,252,000				63,000
Construction			396,000				396,000				82,000				1,358,000				-				410,000				-
Home equity line of credit			1,234,000				1,234,000				95,000				865,000				-				1,248,000				-
Consumer			102,000				102,000				64,000				107,000				-				102,000				-
		$	28,270,000			$	28,270,000			$	1,627,000			$	26,930,000			$	246,000			$	27,567,000			$	84,000

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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

-Topic 310

-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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