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Loans (Tables)

3 Months Ended

Mar. 31, 2014

Loans [Abstract]

Recorded investment in loans by portfolio segment

	March 31,			December 31,
	2014			2013
Commercial	$	43,105		$	37,526
Real estate:
Single-family residential		25,169			32,219
Multi-family residential		28,671			32,197
Commercial		82,466			83,752
Construction		17,306			11,465
Consumer:
Home equity lines of credit		15,377			14,851
Other		2,571			860
Subtotal		214,665			212,870
Less: ALLL		(5,763)			(5,729)
Loans, net	$	208,902		$	207,141

Activity in ALLL by portfolio segment

The following table presents the activity in the ALLL by portfolio segment for the three months ended March 31, 2014:

	Three months ended March 31, 2014
				Real Estate												Consumer
				Single-			Multi-									Home Equity
	Commercial			family			family			Commercial			Construction			lines of credit			Other			Total
Beginning balance	$	1,759		$	120		$	1,262		$	2,325		$	119		$	139		$	5		$	5,729
Addition to (reduction in) provision for loan losses		(175)			38			196			(265)			259			(35)			2			20
Charge-offs		-			-			-			-			-			-			-			-
Recoveries		3			1			-			4			-			5			1			14
Ending balance	$	1,587		$	159		$	1,458		$	2,064		$	378		$	109		$	8		$	5,763

The following table presents the activity in the ALLL by portfolio segment for the three months ended March, 2013:

	Three months ended March 31, 2013
				Real Estate												Consumer
				Single-			Multi-									Home Equity
	Commercial			family			family			Commercial			Construction			lines of credit			Other			Total
Beginning balance	$	1,311		$	332		$	1,396		$	1,946		$	-		$	241		$	11		$	5,237
Addition to (reduction in) provision for loan losses		81			(94)			179			197			1			(23)			(15)			326
Charge-offs		-			-			-			-			-			-			-			-
Recoveries		17			1			29			54			-			2			16			119
Ending balance	$	1,409		$	239		$	1,604		$	2,197		$	1		$	220		$	12		$	5,682

Balance in ALLL and recorded investment in loans by portfolio segment and based on impairment method

The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on the impairment method as of March 31, 2014:

					Real Estate												Consumer
		Commercial			Single- family			Multi- family			Commercial			Construction			Home Equity lines of credit			Other			Total
ALLL:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	487		$	-		$	369		$	163		$	-		$	-		$	-		$	1,019
Collectively evaluated for impairment			1,100			159			1,089			1,901			378			109			8			4,744
Total ending allowance balance		$	1,587		$	159		$	1,458		$	2,064		$	378		$	109		$	8		$	5,763
Loans:
Individually evaluated for impairment		$	926		$	311		$	1,725		$	5,706		$	-		$	-		$	-		$	8,668
Collectively evaluated for impairment			42,179			24,858			26,946			76,760			17,306			15,377			2,571			205,997
Total ending loan balance		$	43,105		$	25,169		$	28,671		$	82,466		$	17,306		$	15,377		$	2,571		$	214,665

The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on the impairment method as of December 31, 2013: 

					Real Estate												Consumer
		Commercial			Single- family			Multi- family			Commercial			Construction			Home Equity lines of credit			Other			Total
ALLL:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	532		$	-		$	402		$	191		$	-		$	-		$	-		$	1,125
Collectively evaluated for impairment			1,227			120			860			2,134			119			139			5			4,604
Total ending allowance balance		$	1,759		$	120		$	1,262		$	2,325		$	119		$	139		$	5		$	5,729
Loans:
Individually evaluated for impairment			992		$	317		$	1,759		$	5,845		$	-		$	-		$	-		$	8,913
Collectively evaluated for impairment			36,534			31,902			30,438			77,907			11,465			14,851			860			203,957
Total ending loan balance		$	37,526		$	32,219		$	32,197		$	83,752		$	11,465		$	14,851		$	860		$	212,870

Individually evaluated for impairment by class of loans

The following table presents loans individually evaluated for impairment by class of loans at March 31, 2014.  The unpaid principal balance is the contractual principal balance outstanding.  The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, deferred loan fees and costs and includes accrued interest. The table presents accrual basis interest income recognized during the three months ended March 31, 2014.  Cash payments of interest during the three months ended March 31, 2014 totaled $54.

	As of March 31, 2014									Three months ended March 31, 2014
	Unpaid Principal Balance			Recorded Investment			ALLL Allocated			Average Recorded Investment			Interest Income Recognized
With no related allowance recorded:
Commercial	$	135		$	120		$	-		$	121		$	-
Real estate:
Single-family residential		346			185			-			185			-
Multi-family residential		-			-			-			-			-
Commercial:
Non-owner occupied		2,009			1,440			-			1,444			-
Owner occupied		1,987			1,036			-			1,044			-
Land		-			-			-			-			-
Total with no allowance recorded		4,477			2,781			-			2,794			-
With an allowance recorded:
Commercial		806			806			487			817			6
Real estate:
Single-family residential		126			126			-			126			2
Multi-family residential		1,725			1,725			369			1,736			1
Commercial:
Non-owner occupied		2,117			2,117			44			2,122			33
Owner occupied		392			392			7			394			5
Land		766			721			112			733			5
Total with an allowance recorded		5,932			5,887			1,019			5,928			52
Total	$	10,409		$	8,668		$	1,019		$	8,722		$	52

The following table presents loans individually evaluated for impairment by class of loans at December 31, 2013.  The unpaid principal balance is the contractual principal balance outstanding.  The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, deferred loan fees and costs and includes accrued interest. The table presents accrual basis interest income recognized during the three months ended March 31, 2013.  Cash payments of interest during the three months ended March 31, 2013 totaled $57.

	As of December 31, 2013									Three months ended March 31, 2013
	Unpaid Principal Balance			Recorded Investment			ALLL Allocated			Average Recorded Investment			Interest Income Recognized
With no related allowance recorded:
Commercial	$	135		$	120		$	-		$	172		$	-
Real estate:
Single-family residential		352			191			-			-			-
Multi-family residential		-			-			-			1,860			-
Commercial:
Non-owner occupied		2,022			1,453			-			1,928			-
Owner occupied		2,021			1,070			-			1,219			-
Land		-			-			-			-			-
Total with no allowance recorded		4,530			2,834			-			5,179			-
With an allowance recorded:
Commercial		872			872			532			884			5
Real estate:
Single-family residential		126			126			-			128			2
Multi-family residential		1,759			1,759			402			280			1
Commercial:
Non-owner occupied		2,158			2,158			46			2,230			34
Owner occupied		397			397			7			393			6
Land		812			767			138			386			6
Total with an allowance recorded		6,124			6,079			1,125			4,301			54
Total	$	10,654		$	8,913		$	1,125		$	9,480		$	54

Recorded investment in nonaccrual loans by class of loans

	March 31,			December 31,
	2014			2013
Nonaccrual loans:
Commercial	$	523		$	563
Real estate:
Single-family residential		463			479
Multi-family residential		1,669			1,701
Commercial:
Non-owner occupied		1,440			1,453
Owner occupied		1,036			1,070
Land		381			420
Consumer:
Home equity lines of credit:
Originated for portfolio		52			52
Total nonaccrual and nonperforming loans	$	5,564		$	5,738

Aging of recorded investment in past due loans by class of loans

The following table presents the aging of the recorded investment in past due loans by class of loans as of March 31, 2014:

	30 - 59 Days Past Due			60 - 89 Days Past Due			Greater than 90 Days Past Due			Total Past Due			Loans Not Past Due			Nonaccrual Loans Not > 90 days Past Due
Commercial	$	-		$	9		$	121		$	130		$	42,975		$	402
Real estate:
Single-family residential		334			61			354			749			24,420			109
Multi-family residential		548			-			-			548			28,123			1,669
Commercial:
Non-owner occupied		-			-			923			923			41,506			517
Owner occupied		-			-			-			-			34,691			1,036
Land		-			-			381			381			4,965			-
Construction		309			-			-			309			16,997			-
Consumer:
Home equity lines of credit:
Originated for portfolio		-			-			-			-			13,535			52
Purchased for portfolio		-			-			-			-			1,842			-
Other		42			-			-			42			2,529			-
Total	$	1,233		$	70		$	1,779		$	3,082		$	211,583		$	3,785

The following table presents the aging of the recorded investment in past due loans by class of loans as of December 31, 2013:

	30 - 59 Days Past Due			60 - 89 Days Past Due			Greater than 90 Days Past Due			Total Past Due			Loans Not Past Due			Nonaccrual Loans Not > 90 days Past Due
Commercial	$	-		$	-		$	121		$	121		$	37,405		$	442
Real estate:
Single-family residential		352			268			247			867			31,352			232
Multi-family residential		-			-			-			-			32,197			1,701
Commercial:
Non-owner occupied		-			-			923			923			42,199			530
Owner occupied		-			-			-			-			35,202			1,070
Land		-			-			420			420			5,008			-
Construction		-			-			-			-			11,465			-
Consumer:
Home equity lines of credit:
Originated for portfolio		52			-			-			52			12,930			52
Purchased for portfolio		123			-			-			123			1,746			-
Other		2			11			-			13			847			-
Total	$	529		$	279		$	1,711		$	2,519		$	210,351		$	4,027

Schedule of Debtor Troubled Debt Restructuring, Subsequent Periods

	March 31,			December 31,
	2014			2013
Commercial	$	402		$	442
Real estate:
Single-family residential		185			190
Multi-family residential		1,668			1,701
Commercial:
Non-owner occupied		-			-
Owner occupied		224			238
Total	$	2,479		$	2,571

Financing Receivable Credit Quality Indicators

The recorded investment in loans by risk category and by class of loans as of March 31, 2014 and based on the most recent analysis performed follows.  There were no loans rated doubtful at March 31, 2014.

	Not Rated			Pass			Special Mention			Substandard			Total
Commercial	$	196		$	41,431		$	586		$	892		$	43,105
Real estate:
Single-family residential		24,653			-			-			516			25,169
Multi-family residential		-			26,180			-			2,491			28,671
Commercial:
Non-owner occupied		159			37,243			519			4,508			42,429
Owner occupied		-			31,219			858			2,614			34,691
Land		86			2,011			-			3,249			5,346
Construction		5,295			12,011			-			-			17,306
Consumer:
Home equity lines of credit:
Originated for portfolio		13,383			-			-			152			13,535
Purchased for portfolio		1,265			-			409			168			1,842
Other		2,571			-			-			-			2,571
	$	47,608		$	150,095		$	2,372		$	14,590		$	214,665

The recorded investment in loans by risk category and by class of loans as of December 31, 2013 follows.  There were no loans rated doubtful at December 31, 2013. 

	Not Rated			Pass			Special Mention			Substandard			Total
Commercial	$	228		$	35,424		$	921		$	953		$	37,526
Real estate:
Single-family residential		31,685			-			-			534			32,219
Multi-family residential		-			29,667			-			2,530			32,197
Commercial:
Non-owner occupied		3,170			34,834			556			4,561			43,121
Owner occupied		-			31,489			1,045			2,669			35,203
Land		87			2,023			-			3,318			5,428
Construction		2,115			9,350			-			-			11,465
Consumer:
Home equity lines of credit:
Originated for portfolio		12,828			-			-			154			12,982
Purchased for portfolio		1,285			-			414			170			1,869
Other		860			-			-			-			860
	$	52,258		$	142,787		$	2,936		$	14,889		$	212,870

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