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Loans Receivable (Tables) | 9 Months Ended
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Sep. 30, 2013
Receivables [Abstract] |
Schedule of Classification of Loans Receivable [Table Text Block] |
|  | (Dollars in thousands) |
|  | September 30, 2013 |  | December 31, 2012 |
Loans secured by real estate: |  |  |  |  |  |  |
Construction and land development |  | $ | 18,489 |  | $ | 23,984 |
Residential, including home equity |  |  | 161,180 |  |  | 154,945 |
Commercial real estate and other dwelling |  |  | 170,695 |  |  | 179,825 |
Total loans secured by real estate |  |  | 350,364 |  |  | 358,754 |
Consumer loans |  |  | 242 |  |  | 350 |
Commercial business |  |  | 58,653 |  |  | 69,310 |
Government and other |  |  | 19,919 |  |  | 8,869 |
Subtotal |  |  | 429,178 |  |  | 437,283 |
Less: |  |  |  |  |  |  |
Net deferred loan origination fees |  |  | (252) |  |  | (251) |
Undisbursed loan funds |  |  | (120) |  |  | (51) |
Loans receivable |  | $ | 428,806 |  | $ | 436,981 |
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 Loans |  | Total |
The Bancorp's activity in the allowance for loan losses is summarized below for the nine months ended September 30, 2013: |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 1,024 |  | $ | 19 |  | $ | 4,550 |  | $ | 1,608 |  | $ | 1,220 |  | $ | - |  | $ | 8,421 |
Charge-offs |  |  | (124) |  |  | (10) |  |  | (307) |  |  | (333) |  |  | (567) |  |  | - |  |  | (1,341) |
Recoveries |  |  | 1 |  |  | 5 |  |  | - |  |  | 137 |  |  | 9 |  |  | - |  |  | 152 |
Provisions |  |  | 636 |  |  | - |  |  | 642 |  |  | (1,251) |  |  | 303 |  |  | 50 |  |  | 380 |
Ending Balance |  | $ | 1,537 |  | $ | 14 |  | $ | 4,885 |  | $ | 161 |  | $ | 965 |  | $ | 50 |  | $ | 7,612 |
The Bancorp's activity in the allowance for loan losses is summarized below for the nine months ended September 30, 2012: |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 1,161 |  | $ | 15 |  | $ | 3,329 |  | $ | 2,399 |  | $ | 1,101 |  | $ | - |  | $ | 8,005 |
Charge-offs |  |  | (236) |  |  | (13) |  |  | (254) |  |  | (503) |  |  | (210) |  |  | - |  |  | (1,216) |
Recoveries |  |  | 3 |  |  | 4 |  |  | 13 |  |  | 108 |  |  | 31 |  |  | - |  |  | 159 |
Provisions |  |  | 149 |  |  | 22 |  |  | 1,667 |  |  | (359) |  |  | 146 |  |  | - |  |  | 1,625 |
Ending Balance |  | $ | 1,077 |  | $ | 28 |  | $ | 4,755 |  | $ | 1,645 |  | $ | 1,068 |  | $ | - |  | $ | 8,573 |
The Bancorp's allowance for loan losses impairment evaluation and financing receivables are summarized below at September 30, 2013: |
Ending balance: individually evaluated for impairment |  | $ | 17 |  | $ | - |  | $ | 1,669 |  | $ | - |  | $ | 36 |  | $ | - |  | $ | 1,722 |
Ending balance: collectively evaluated for impairment |  | $ | 1,520 |  | $ | 14 |  | $ | 3,216 |  | $ | 161 |  | $ | 929 |  | $ | 50 |  | $ | 5,890 |
FINANCING RECEIVABLES |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 160,907 |  | $ | 239 |  | $ | 183,203 |  | $ | 5,982 |  | $ | 58,556 |  | $ | 19,919 |  | $ | 428,806 |
Ending balance: individually evaluated for impairment |  | $ | 896 |  | $ | - |  | $ | 8,505 |  | $ | - |  | $ | 928 |  | $ | - |  | $ | 10,329 |
Ending balance: collectively evaluated for impairment |  | $ | 160,011 |  | $ | 239 |  | $ | 174,698 |  | $ | 5,982 |  | $ | 57,628 |  | $ | 19,919 |  | $ | 418,477 |
The Bancorp's allowance for loan losses impairment evaluation and financing receivables are summarized below at December 31, 2012: |
Ending balance: individually evaluated for impairment |  | $ | 9 |  | $ | - |  | $ | 1,783 |  | $ | - |  | $ | 209 |  | $ | - |  | $ | 2,001 |
Ending balance: collectively evaluated for impairment |  | $ | 1,015 |  | $ | 19 |  | $ | 2,767 |  | $ | 1,608 |  | $ | 1,011 |  | $ | - |  | $ | 6,420 |
FINANCING RECEIVABLES |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 154,627 |  | $ | 347 |  | $ | 175,769 |  | $ | 28,040 |  | $ | 69,329 |  | $ | 8,869 |  | $ | 436,981 |
Ending balance: individually evaluated for impairment |  | $ | 692 |  | $ | - |  | $ | 10,778 |  | $ | 6,378 |  | $ | 2,032 |  | $ | - |  | $ | 19,880 |
Ending balance: collectively evaluated for impairment |  | $ | 153,935 |  | $ | 347 |  | $ | 164,991 |  | $ | 21,662 |  | $ | 67,297 |  | $ | 8,869 |  | $ | 417,101 |
Financing Receivable Credit Quality Indicators [Table Text Block] | The Bancorp's credit quality indicators, are summarized below at September 30, 2013 and December 31, 2012:
|  | (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 Loans |
Loan Grades |  | 2013 |  | 2012 |  | 2013 |  | 2012 |  | 2013 |  | 2012 |  | 2013 |  | 2012 |
2 Moderate risk |  | $ | - |  | $ | 19 |  | $ | - |  | $ | - |  | $ | 5,147 |  | $ | 5,674 |  | $ | - |  | $ | - |
3 Acceptable risk |  |  | 133,326 |  |  | 110,416 |  |  | 5,499 |  |  | 15,585 |  |  | 39,406 |  |  | 45,202 |  |  | 19,919 |  |  | 8,869 |
4 Pass/monitor |  |  | 37,812 |  |  | 51,100 |  |  | 204 |  |  | 1,029 |  |  | 12,541 |  |  | 13,500 |  |  | - |  |  | - |
5 Special mention (watch) |  |  | 3,459 |  |  | 3,630 |  |  | 279 |  |  | 5,984 |  |  | 600 |  |  | 3,300 |  |  | - |  |  | - |
6 Substandard |  |  | 8,606 |  |  | 10,604 |  |  | - |  |  | 5,442 |  |  | 862 |  |  | 1,653 |  |  | - |  |  | - |
7 Doubtful |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Total |  | $ | 183,203 |  | $ | 175,769 |  | $ | 5,982 |  | $ | 28,040 |  | $ | 58,556 |  | $ | 69,329 |  | $ | 19,919 |  | $ | 8,869 |
|  | (Dollars in thousands) |
|  | Consumer Credit Exposure - Credit Risk Profile Based On Payment Activity |
|  | Residential Real Estate, Including Home Equity |  | Consumer Loans |
|  | 2013 |  | 2012 |  | 2013 |  | 2012 |
Performing |  | $ | 157,802 |  | $ | 152,838 |  | $ | 239 |  | $ | 337 |
Non-performing |  |  | 3,105 |  |  | 1,789 |  |  | - |  |  | 10 |
Total |  | $ | 160,907 |  | $ | 154,627 |  | $ | 239 |  | $ | 347 |
Troubled Debt Restructurings on Financing Receivables [Table Text Block] | The Bancorp's troubled debt restructurings for the nine month periods presented 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 |
|  | September 30, 2013 |  | September 30, 2012 |
Troubled debt restructurings during the period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate, including home equity |  |  | 6 |  | $ | 792 |  | $ | 782 |  |  | 8 |  | $ | 741 |  | $ | 737 |
Consumer loans |  |  | - |  |  | - |  |  | - |  |  |  |  |  | - |  |  | - |
Commercial real estate, construction & land development, and other dwellings |  |  | - |  |  | - |  |  | - |  |  | 3 |  |  | 3,868 |  |  | 1,838 |
Commercial participations purchased |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Commercial business loans |  |  | - |  |  | - |  |  | - |  |  | 1 |  |  | 108 |  |  | 102 |
Government loans |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Schedule of Impaired Loans Receivable, Additional Information [Table Text Block] | The Bancorp's individually evaluated impaired loans are summarized below:
|  | As of September 30, 2013 |  | For the nine months ended September 30, 2013 |
(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 |  |  | 620 |  |  | 620 |  |  | - |  |  | 891 |  |  | 23 |
Commercial participations purchased |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Commercial business loans |  |  | 616 |  |  | 700 |  |  | - |  |  | 938 |  |  | 3 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate, including home equity |  |  | 896 |  |  | 907 |  |  | 17 |  |  | 871 |  |  | 22 |
Commercial real estate, construction & land development, and other dwellings |  |  | 7,885 |  |  | 7,885 |  |  | 1,669 |  |  | 9,360 |  |  | 217 |
Commercial participations purchased |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Commercial business loans |  |  | 312 |  |  | 580 |  |  | 36 |  |  | 559 |  |  | 7 |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate, including home equity |  | $ | 896 |  | $ | 907 |  | $ | 17 |  | $ | 871 |  | $ | 22 |
Commercial real estate, construction & land development, and other dwellings |  | $ | 8,505 |  | $ | 8,505 |  | $ | 1,669 |  | $ | 10,251 |  | $ | 240 |
Commercial participations purchased |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |
Commercial business loans |  | $ | 928 |  | $ | 1,280 |  | $ | 36 |  | $ | 1,497 |  | $ | 10 |
|  | As of December 31, 2012 |  | For the nine months ended September 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 |  |  | 591 |  |  | 591 |  |  | - |  |  | 677 |  |  | 5 |
Commercial participations purchased |  |  | 6,378 |  |  | 11,047 |  |  | - |  |  | 4,106 |  |  | - |
Commercial business loans |  |  | 727 |  |  | 1,000 |  |  | - |  |  | 864 |  |  | 35 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate, including home equity. |  |  | 692 |  |  | 692 |  |  | 9 |  |  | 930 |  |  | 13 |
Commercial real estate, construction & land development, and other dwellings |  |  | 10,187 |  |  | 10,271 |  |  | 1,783 |  |  | 10,240 |  |  | 399 |
Commercial participations purchased |  |  | - |  |  | - |  |  | - |  |  | 2,566 |  |  | - |
Commercial business loans |  |  | 1,305 |  |  | 1,305 |  |  | 209 |  |  | 1,047 |  |  | - |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate, including home equity. |  | $ | 692 |  | $ | 692 |  | $ | 9 |  | $ | 930 |  | $ | 13 |
Commercial real estate, construction & land development, and other dwellings |  | $ | 10,778 |  | $ | 10,862 |  | $ | 1,783 |  | $ | 10,917 |  | $ | 404 |
Commercial participations purchased |  | $ | 6,378 |  | $ | 11,047 |  | $ | - |  | $ | 6,672 |  | $ | - |
Commercial business loans |  | $ | 2,032 |  | $ | 2,305 |  | $ | 209 |  | $ | 1,911 |  | $ | 35 |
Past Due Financing Receivables [Table Text Block] | The Bancorp's age analysis of past due loans 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 Loans |  | Recorded Investments Greater than 90 Days and Accruing |
September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate, including home equity |  | $ | 4,002 |  | $ | 714 |  | $ | 1,885 |  | $ | 6,601 |  | $ | 154,306 |  | $ | 160,907 |  | $ | 182 |
Consumer loans |  |  | 2 |  |  | - |  |  | - |  |  | 2 |  |  | 237 |  |  | 239 |  |  | - |
Commercial real estate, construction & land development, and other dwellings |  |  | 1,135 |  |  | 2,459 |  |  | 809 |  |  | 4,403 |  |  | 178,800 |  |  | 183,203 |  |  | - |
Commercial participations purchased |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 5,982 |  |  | 5,982 |  |  | - |
Commercial business loans |  |  | 20 |  |  | 139 |  |  | 839 |  |  | 998 |  |  | 57,558 |  |  | 58,556 |  |  | - |
Government loans |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 19,919 |  |  | 19,919 |  |  | - |
Total |  | $ | 5,159 |  | $ | 3,312 |  | $ | 3,533 |  | $ | 12,004 |  | $ | 416,802 |  | $ | 428,806 |  | $ | 182 |
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate, including home equity |  | $ | 4,172 |  | $ | 1,145 |  | $ | 1,448 |  | $ | 6,765 |  | $ | 147,862 |  | $ | 154,627 |  | $ | - |
Consumer loans |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 347 |  |  | 347 |  |  | - |
Commercial real estate, construction & land development, and other dwellings |  |  | 4,044 |  |  | 390 |  |  | 1,993 |  |  | 6,427 |  |  | 169,342 |  |  | 175,769 |  |  | 229 |
Commercial participations purchased |  |  | 5 |  |  | - |  |  | 5,442 |  |  | 5,447 |  |  | 22,593 |  |  | 28,040 |  |  | - |
Commercial business loans |  |  | 689 |  |  | 116 |  |  | 1,525 |  |  | 2,330 |  |  | 66,999 |  |  | 69,329 |  |  | - |
Government loans |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 8,869 |  |  | 8,869 |  |  | - |
Total |  | $ | 8,910 |  | $ | 1,651 |  | $ | 10,408 |  | $ | 20,969 |  | $ | 416,012 |  | $ | 436,981 |  | $ | 229 |
Schedule of Financing Receivables, Non Accrual Status [Table Text Block] | The Bancorp's loans on nonaccrual status are summarized below:
|  | (Dollars in thousands) |
|  | September 30, 2013 |  | December 31, 2012 |
Residential real estate, including home equity. |  | $ | 2,922 |  | $ | 1,846 |
Consumer loans |  |  | - |  |  | 10 |
Commercial real estate, construction & land development, and other dwellings |  |  | 809 |  |  | 2,311 |
Commercial participations purchased |  |  | - |  |  | 5,442 |
Commercial business loans |  |  | 839 |  |  | 1,644 |
Government loans |  |  | - |  |  | - |
Total |  | $ | 4,570 |  | $ | 11,253 |

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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953659-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 55 -Paragraph 19 -URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525 + Details
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