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Loans Receivable (Tables)

6 Months Ended

Jun. 30, 2012

Disclosure Text Block [Abstract]

Schedule Of Classification Of Loans Receivable [Text Block]

Loans Receivable

		(Dollars in thousands)
		June 30, 2012				December 31, 2011
Loans secured by real estate:
Construction and land development		$	20,618			$	21,143
Residential, including home equity			156,783				154,426
Commercial real estate and other dwelling			177,465				153,715
Total loans secured by real estate			354,866				329,284
Consumer loans			482				472
Commercial business			68,688				63,384
Government and other			7,661				8,643
Subtotal			431,697				401,783
Less:
Net deferred loan origination fees			(282	)			(264	)
Undisbursed loan funds			(59	)			(118	)
Loans receivable		$	431,356			$	401,401

Allowance for Credit Losses on Financing Receivables [Table Text Block]

(Dollars in thousands)		Residential Real Estate, Including Home Equity				Consumer Loans				Commercial Real Estate, Construction & Land Development, and Other Dwellings				Commercial Participations Purchased				Commercial Business Loans				Government				Total
The Bancorp's activity in the allowance for loan losses is summarized below for the six months ended June 30, 2012:
Allowance for loan losses:
Beginning Balance		$	1,161			$	15			$	3,329			$	2,399			$	1,101			$	-			$	8,005
Charge-offs			(205	)			(9	)			(381	)			(484	)			-				-				(1,079	)
Recoveries			-				4				9				-				30				-				43
Provisions			210				22				978				121				(256	)			-				1,075
Ending Balance		$	1,166			$	32			$	3,935			$	2,036			$	875			$	-			$	8,044
The Bancorp's activity in the allowance for loan losses is summarized below for the six months ended June 30, 2011:
Allowance for loan losses:
Beginning Balance		$	994			$	30			$	2,773			$	4,704			$	620			$	-			$	9,121
Charge-offs			(235	)			(4	)			(567	)			(2,417	)			(111	)			-			$	(3,334	)
Recoveries			102				10				174				-				-				-			$	286
Provisions			245				(18	)			682				950				206				-			$	2,065
Ending Balance		$	1,106			$	18			$	3,062			$	3,237			$	715			$	-			$	8,138
The Bancorp's allowance for loan losses impairment evaluation at June 30, 2012:
Ending balance: individually
evaluated for impairment		$	14			$	-			$	1,144			$	-			$	136			$	-			$	1,294
Ending balance: collectively
evaluated for impairment		$	1,152			$	32			$	2,791			$	2,036			$	739			$	-			$	6,750
Ending balance: loans acquired
with deteriorated credit quality		$	-			$	-			$	-			$	-			$	-			$	-			$	-
FINANCING RECEIVABLES
Ending balance		$	156,470			$	481			$	169,749			$	28,334			$	68,661			$	7,661			$	431,356
Ending balance: individually
evaluated for impairment		$	935			$	-			$	10,990			$	6,632			$	1,734			$	-			$	20,291
Ending balance: collectively
evaluated for impairment		$	155,535			$	481			$	158,759			$	21,702			$	66,927			$	7,661			$	411,065
The Bancorp's allowance for loan losses impairment evaluation at December 31, 2011:
Ending balance: individually
evaluated for impairment		$	10			$	-			$	1,043			$	252			$	304			$	-			$	1,609
Ending balance: collectively
evaluated for impairment		$	1,151			$	15			$	2,286			$	2,147			$	797			$	-			$	6,396
Ending balance: loans acquired
with deteriorated credit quality		$	-			$	-			$	-			$	-			$	-			$	-			$	-
FINANCING RECEIVABLES
Ending balance		$	154,135			$	472			$	154,618			$	20,240			$	63,293			$	8,643			$	401,401
Ending balance: individually
evaluated for impairment		$	1,282			$	-			$	11,007			$	7,170			$	2,214			$	-			$	21,673
Ending balance: collectively
evaluated for impairment		$	152,853			$	472			$	143,611			$	13,070			$	61,079			$	8,643			$	379,728

Financing Receivable Credit Quality Indicators [Table Text Block]

The Bancorp's credit quality indicators, are summarized below at June 30, 2012 and December 31, 2011:

		(Dollars in thousands)
		Corporate Credit Exposure - Credit Risk Portfolio By Creditworthiness Category
		Commercial Real Estate, Construction & Land Development, and Other Dwellings								Commercial Participations Purchased								Commercial Business Loans								Government
Loan Grades		2012				2011				2012				2011				2012				2011				2012				2011
2   Moderate risk		$	22			$	25			$	-			$	-			$	6,051			$	4,467			$	-			$	-
3  Acceptable risk			104,445				85,703				11,809				2,387				42,141				37,713				7,661				8,643
4   Pass/monitor			50,835				51,429				3,400				5,903				17,011				17,532				-				-
5   Special mention (watch)			3,348				5,509				6,493				4,780				1,371				978				-				-
6   Substandard			11,099				11,952				6,632				7,170				2,087				2,603				-				-
7   Doubtful			-				-				-				-				-				-				-				-
Total		$	169,749			$	154,618			$	28,334			$	20,240			$	68,661			$	63,293			$	7,661			$	8,643

				(Dollars in thousands)
				Consumer Credit Exposure - Credit Risk Profile Based On Payment Activity
				Residential Real Estate, Including Home Equity								Consumer Loans
				2012				2011				2012				2011
	Performing			$	154,477			$	151,375			$	467			$	472
	Nonperforming				1,993				2,760				14				-
	Total			$	156,470			$	154,135			$	481			$	472

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

The Bancorp's cumulative outstanding troubled debt restructurings are summarized below:

		(Dollars in thousands)
		Number of Contracts				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment				Number of Contracts				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment
		June 30, 2012												December 31, 2011
Troubled debt restructurings outstanding at
the end of the periods presented:
Residential real estate, including home equity			9			$	937			$	935				14			$	1,290			$	1,282
Consumer loans			-				-				-				-				-				-
Commercial real estate, construction & land
development, and other dwellings			5				8,902				8,449				3				8,097				7,836
Commercial participations purchased			2				7,975				5,544				2				7,975				5,635
Commercial business loans			-				-				-				-				-				-
Government			-				-				-				-				-				-

		Number of Contracts				Recorded Investment				Number of Contracts				Recorded Investment
		June 30, 2012								December 31, 2011
Troubled debt restructurings that subsequently
defaulted during the periods presented:
Residential real estate, including home equity			-			$	-				-			$	-
Consumer loans			-				-				-				-
Commercial real estate, construction & land
development, and other dwellings			-				-				1				376
Commercial participations purchased			-				-				-				-
Commercial business loans			-				-				-				-
Government			-				-				-				-

Schedule Of Impaired Loans Receivable, Additional Infirmation [Table Text Block]

The Bancorp's individually evaluated impaired loans are summarized below:

		As of June 30, 2012												For the six months ended June 30, 2012
(Dollars in thousands)		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized
With no related allowance recorded:
Residential real estate, including home equity		$	-			$	-			$	-			$	-			$	-
Commercial real estate, construction & land
development, and other dwellings			1,095				1,221				-				708				5
Commercial participations purchased			6,632				12,792				-				3,501				90
Commercial business loans			1,039				1,164				-				645				31
With an allowance recorded:
Residential real estate, including home equity			935				1,213				14				596				6
Commercial real estate, construction & land
development, and other dwellings			9,895				9,914				1,144				9,817				356
Commercial participations purchased			-				-				-				5,406				-
Commercial business loans			695				696				136				1,103				28
Total:
Residential real estate, including home equity		$	935			$	1,213			$	14			$	596			$	6
Commercial real estate, construction & land
development, and other dwellings		$	10,990			$	11,135			$	1,144			$	10,525			$	361
Commercial participations purchased		$	6,632			$	12,792			$	-			$	8,907			$	90
Commercial business loans		$	1,734			$	1,860			$	136			$	1,748			$	59

		As of December 31, 2011												For the six months ended June 30, 2011
(Dollars in thousands)		Recorded investment				Unpaid principal balance				Related allowance				Average Recorded Investment				Interest Income Recognized
With no related allowance recorded:
Residential real estate, including home equity		$	-			$	-			$	-			$	-			$	-
Commercial real estate, construction & land
development, and other dwellings			690				880				-				746				12
Commercial participations purchased			2,483				8,158				-				3,473				128
Commercial business loans			793				818				-				177				-
With an allowance recorded:
Residential real estate, including home equity			1,282				1,282				10				-				-
Commercial real estate, construction & land
development, and other dwellings			10,317				12,662				1,043				9,685				358
Commercial participations purchased			4,687				4,687				252				9,718				216
Commercial business loans			1,421				1,421				304				260				9
Total:
Residential real estate, including home equity		$	1,282			$	1,282			$	10			$	-			$	-
Commercial real estate, construction & land
development, and other dwellings		$	11,007			$	13,542			$	1,043			$	10,431			$	370
Commercial participations purchased		$	7,170			$	12,845			$	252			$	13,191			$	344
Commercial business loans		$	2,214			$	2,239			$	304			$	437			$	9

Past Due Financing Receivables [Table Text Block]

The Bancorp's age analysis of past due financing receivables is summarized below:

(Dollars in thousands)
		30-59 Days Past Due				60-89 Days Past Due				Greater Than 90 Days Past Due				Total Past Due				Current				Total Financing Receivables				Recorded Investments Greater than 90 Days and Accruing
June 30, 2012
Residential real estate, including home equity		$	3,246			$	866			$	1,589			$	5,701			$	150,769			$	156,470			$	7
Consumer loans			-				14				-				14				467				481				-
Commercial real estate, construction & land
development, and other dwellings			1,158				495				2,686				4,339				165,410				169,749				-
Commercial participations purchased			-				6				6,633				6,639				21,695				28,334				-
Commercial business loans			528				-				507				1,035				67,626				68,661				-
Government			-				-				-				-				7,661				7,661				-
Total		$	4,932			$	1,381			$	11,415			$	17,728			$	413,628			$	431,356			$	7
December 31, 2011
Residential real estate, including home equity		$	3,413			$	874			$	2,663			$	6,950			$	147,185			$	154,135			$	279
Consumer loans			7				-				-				7				465				472				-
Commercial real estate, construction & land
development, and other dwellings			604				238				1,616				2,458				152,160				154,618				-
Commercial participations purchased			7				-				7,169				7,176				13,064				20,240				-
Commercial business loans			458				323				717				1,498				61,795				63,293				-
Government			-				-				-				-				8,643				8,643				-
Total		$	4,489			$	1,435			$	12,165			$	18,089			$	383,312			$	401,401			$	279

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

The Bancorp's financing receivables on nonaccrual status are summarized below:

		(Dollars in thousands)
		June 30, 2012				December 31, 2011
Residential real estate, including home equity		$	1,993			$	2,481
Consumer loans			-				-
Commercial real estate, construction & land
development, and other dwellings			2,686				3,433
Commercial participations purchased			6,633				7,170
Commercial business loans			507				926
Government			-				-
Total		$	11,819			$	14,010

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