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Loans, Allowance For Loan Losses And OREO (Tables)

6 Months Ended

Jun. 30, 2012

Loans, Allowance For Loan Losses And OREO [Abstract]

Summary Of Loans, Net

		As of:
		June 30,		December 31,
		2012		2011
Commercial	$	56,846	$	59,623
Commercial real estate		151,937		150,622
Consumer		71,283		72,488
Residential		44,843		41,633
Total loans		324,909		324,366
Less allowance for loan losses		5,693		5,612
Net loans	$	319,216	$	318,754

Financing Receivables On Non- Accrual Status

	As of
		June 30, 2012		December 31, 2011
Commercial	$	2,257	$	3,570
Commercial Real Estate:
Commercial Mortgages-Owner Occupied		909		1,610
Commercial Mortgages-Non-Owner Occupied		1,600		2,793
Commercial Construction		1,352		782
Consumer
Consumer Unsecured		-		-
Consumer Secured		133		415
Residential:
Residential Mortgages		939		1,205
Residential Consumer Construction		-		-
Totals	$	7,190	$	10,375

Changes In OREO Balance

		Six months ended
		June 30, 2012
Balance at the beginning of the year (gross)	$	3,253
Transfers from loans		1,374
Capitalized costs		5
Charge-Offs		(200	)
Sales proceeds		(2,088	)
(Loss) on disposition		(81	)
Balance at the end of the period (gross)		2,263
Less valuation allowance		-
Balance at the end of the period (net)	$	2,263

Impaired Loans

	Impaired Loans (dollars in thousands) For the Year Ended June 30, 2012
2012		Recorded Investment		Unpaid Principal Balance	Related Allowance			Average Recorded Investment			Interest Income Recognized
With No Related Allowance Recorded:
Commercial	$	3,467	$	3,575		$	-	$	3,412	$	42
Commercial Real Estate
Commercial Mortgages-Owner
Occupied		2,305		2,360			-		2,258		93
Commercial Mortgage Non-Owner
Occupied		5,908		6,080			-		5,394		131
Commercial Construction		1,202		1,312			-		1,153		27
Consumer
Consumer Unsecured		-		-			-		-		-
Consumer Secured		133		364			-		213		5
Residential
Residential Mortgages		1,873		2,027			-		1,368		43
Residential Consumer Construction		-		-			-		-		-
With An Allowance Recorded:
Commercial	$	1,685	$	1,698	$		428	$	2,327	$	34
Commercial Real Estate
Commercial Mortgages-Owner
Occupied		2,225		2,515			613		2,371		63
Commercial Mortgage Non-Owner
Occupied		690		866			88		1,640		16
Commercial Construction		1,797		2,072			315		1,749		-
Consumer
Consumer Unsecured		1		1			1		1		-
Consumer Secured		856		858			486		899		5
Residential
Residential Mortgages		1,132		1,404			133		1,527		20
Residential Consumer Construction		-		-			-		-		-
Totals:
Commercial	$	5,152	$	5,273	$		428	$	5,739	$	76
Commercial Real Estate
Commercial Mortgages-Owner
Occupied		4,530		4,875			613		4,629		156
Commercial Mortgage Non-Owner
Occupied		6,598		6,946			88		7,034		147
Commercial Construction		2,999		3,384			315		2,902		27
Consumer
Consumer Unsecured		1		1			1		1		-
Consumer Secured		989		1,222			486		1,112		10
Residential
Residential Mortgages		3,005		3,431			133		2,895		63
Residential Consumer Construction		-		-			-		-		-
	$	23,274	$	25,132	$		2,064	$	24,312	$	479

	Impaired Loans (dollars in thousands) For the Year Ended December 31, 2011
2011													Recorded Investment		Unpaid Principal Balance		Related Allowance	Average Recorded Investment				Interest Income Recognized
With No Related Allowance Recorded:
Commercial	$	3,357	$	3,570	$	-	$	8,978	$		118
Commercial Real Estate
Commercial Mortgages-Owner
Occupied		2,211		3,108		-		2,457			124
Commercial Mortgage Non-Owner
Occupied		4,880		5,170		-		5,418			227
Commercial Construction		1,103		1,103		-		984			38
Consumer
Consumer Unsecured		-		-		-		-			-
Consumer Secured		293		642		-		330			6
Residential
Residential Mortgages		862		1,007		-		633			15
Residential Consumer Construction		-		-		-		33			-
With An Allowance Recorded:
Commercial	$	2,968	$	3,052	$	440	$	2,170		$	106
Commercial Real Estate
Commercial Mortgages-Owner
Occupied		2,516		2,686		555		3,815			137
Commercial Mortgage Non-Owner
Occupied		2,590		3,129		228		1,858			117
Commercial Construction		1,700		1,964		275		2,454			42
Consumer
Consumer Unsecured		-		-		-		286			-
Consumer Secured		942		1,021		357		699			49
Residential
Residential Mortgages		1,922		2,180		128		1,847			89
Residential Consumer Construction		-		-		-		-			-
Totals:
Commercial	$	6,325	$	6,622	$	440	$	11,147		$	224
Commercial Real Estate
Commercial Mortgages-Owner
Occupied		4,727		5,794		555		6,272			261
Commercial Mortgage Non-Owner
Occupied		7,470		8,299		228		7,275			344
Commercial Construction		2,803		3,067		275		3,438			80
Consumer
Consumer Unsecured		-		-		-		286			-
Consumer Secured		1,235		1,663		357		1,029			55
Residential
Residential Mortgages		2,784		3,187		128		2,480			104
Residential Consumer Construction		-		-		-		33			-
	$	25,344	$	28,632	$	1,983	$	31,960	$		1,068

Allowance For Credit Losses And Recorded Investment In Financing Receivables

Allowance for Credit Losses and Recorded Investment in Financing Receivables (dollars in thousands) For the Six months Ended June 30, 2012
2012		Commercial			Commercial Real Estate				Consumer				Residential				Total
Allowance for Credit Losses:
Beginning Balance	$	892			$	2,677			$	1,486			$	557			$	5,612
Charge-offs		(175	)			(631	)			(413	)			(12	)			(1,231	)
Recoveries		13				109				9				6				137
Provision		131				761				197				86				1,175
Ending Balance		861				2,916				1,279				637				5,693
Ending Balance: Individually
evaluated for impairment	$	428			$	1,016			$	487			$	133			$	2,064
Ending Balance: Collectively
evaluated for impairment		433				1,900				792				504				3,629
Totals:	$	861			$	2,916			$	1,279			$	637			$	5,693
Financing Receivables:
Ending Balance: Individually
evaluated for impairment		5,152				14,127				990				3,005				23,274
Ending Balance: Collectively
evaluated for impairment		51,694			137,810					70,293			41,838				301,635
Totals:	$	56,846		$	151,937			$	71,283			$	44,843			$	324,909

	Allowance for Credit Losses and Recorded Investment in Financing Receivables (dollars in thousands) For the Year Ended December 31, 2011
																								Commercial Real Estate
2011																					Commercial							Consumer				Residential				Total
Allowance for Credit Losses:
Beginning Balance	$	473			$	2,897			$	1,207			$	890			$	5,467
Charge-offs		(702	)			(2,738	)			(817	)			(459	)			(4,716	)
Recoveries		16				3				31				4				54
Provision		1,105				2,515				1,065				122				4,807
Ending Balance		892				2,677				1,486				557				5,612
Ending Balance: Individually
evaluated for impairment	$	440			$	1,058			$	357			$	128			$	1,983
Ending Balance: Collectively
evaluated for impairment		452				1,619				1,129				429				3,629
Totals:	$	892			$	2,677			$	1,486			$	557			$	5,612
Financing Receivables:
Ending Balance: Individually
evaluated for impairment		6,325				15,000				1,235				2,784				25,344
Ending Balance: Collectively
evaluated for impairment		53,298			135,622					71,253			38,849				299,022
Totals:	$	59,623		$	150,622			$	72,488			$	41,633			$	324,366

Age Analysis Of Past Due Financing Receivables

Age Analysis of Past Due Financing Receivables as of June 30, 2012 (dollars in thousands)
														2012		30-59 Days Past Due		60-89 Days Past Due		Greater than 90 Days		Total Past Due			Current		Total Financing Receivables	Recorded Investment > 90 Days & Accruing
														Commercial	$	550	$	167	$	2,257		$	2,974	$	53,872	$	56,846	$
Commercial Real Estate:
Commercial Mortgages-Owner														-
Occupied		513		5		909			1,427		60,024		61,451	-
-Commercial Mortgages-Non-														-
Owner Occupied		1,450		8		299			1,757		78,996		80,753	-
Commercial Construction		492		638		279			1,409		8,324		9,733	-
Consumer:
Consumer Unsecured		286		-		-			286		2,977		3,263	-
Consumer Secured		282		32		133			447		67,573		68,020	-
Residential:
Residential Mortgages		207		130		809			1,146		38,729		39,875	-
Residential Consumer														-
Construction		-		-		-			-		4,968		4,968	-
Total	$	3,780	$	980	$	4,686		$	9,446	$	315,463	$	324,909	$

	Age Analysis of Past Due Financing Receivables as of December 31, 2011 (dollars in thousands)
2011																	30-59 Days Past Due		60-89 Days Past Due	Greater than 90 Days			Total Past Due			Current		Total Financing Receivables	Recorded Investment > 90 Days & Accruing
Commercial																$	532	$	26	$	3,570		$	4,128	$	55,495	$	59,623	$	-
Commercial Real Estate:
Commercial Mortgages-Owner
Occupied		2,614		130		1,610			4,354		56,400		60,754		-
Commercial Mortgages-Non-
Owner Occupied		504		72		2,793			3,369		74,520		77,889		-
Commercial Construction		782		-		424			1,206		10,773		11,979		-
Consumer:
Consumer Unsecured		6		-		-			6		3,231		3,237		-
Consumer Secured		202		277		415			894		68,357		69,251		-
Residential:
Residential Mortgages		523		162		863			1,548		37,450		38,998		-
Residential Consumer
Construction		-		-		-			-		2,635		2,635		-
Total	$	5,163	$	667	$	9,675		$	15,505	$	308,861	$	324,366	$	-

Credit Quality Information

Credit Loss Disclosures Credit Quality Information - by Class June 30, 2012 (dollars in thousands)
												2012					Special Mention
														Pass		Monitor			Substandard			Doubtful		Totals
												Commercial	$	47,529	$	2,573	$	2,074	$	4,670	$	-	$	56,846
Commercial Real Estate:
Commercial Mortgages-Owner Occupied		49,184		3,447		4,290		4,410		120		61,451
Commercial Mortgages-Non0Owner
Occupied		69,130		2,661		2,364		6,598		-		80,753
Commercial Construction		6,734		-		-		2,999		-		9,733
Consumer
Consumer Unsecured		3,262		-		-		1		-		3,263
Consumer Secured		64,556		1,594		903		967		-		68,020
Residential:
Residential Mortgages		35,848		603		419		3,005		-		39,875
Residential Consumer Construction		4,968		-		-		-		-		4,968
Totals	$	281,211	$	10,878	$	10,050	$	22,650	$	120	$	324,909

	Credit Loss Disclosures Credit Quality Information - by Class December 31, 2011 (dollars in thousands)
2011																		Special Mention
														Pass		Monitor			Substandard		Doubtful			Totals
Commercial													$	47,021	$	3,978	$	2,901	$	5,723	$	-	$	59,623
Commercial Real Estate:
Commercial Mortgages-Owner Occupied		48,622		3,003		4,696		4,283		150		60,754
Commercial Mortgages-Non Owner
Occupied		63,934		3,326		3,159		7,470		-		77,889
Commercial Construction		9,000		176		-		2,803		-		11,979
Consumer
Consumer Unsecured		3,237		-		-		-		-		3,237
Consumer Secured		67,295		488		304		1,164		-		69,251
Residential:
Residential Mortgages		35,109		557		548		2,784		-		38,998
Residential Consumer Construction		2,635		-		-		-		-		2,635
Totals	$	276,853	$	11,528	$	11,608	$	24,227	$	150	$	324,366

Schedule Of Defaults During Stated Period Of Troubled Debt Restructurings

For the Three Months Ended June 30, 2012
(dollars in thousands)
Troubled Debt	Number
Restructurings That	of		Recorded
Subsequently Defaulted	Contracts		Investment
Commercial	2	$	208

For the Six Months Ended June 30, 2012
(dollars in thousands)
Troubled Debt	Number
Restructurings That	of		Recorded
Subsequently Defaulted	Contracts		Investment
Commercial	4	$	798

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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.

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