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Loans, Allowance For Loan Losses And OREO (Tables)

9 Months Ended

Sep. 30, 2012

Loans, Allowance For Loan Losses And OREO [Abstract]

Summary Of Loans, Net

	As of:
	Sept 30,		December 31,
	2012		2011
Commercial	$ 56,191		$ 59,623
Commercial real estate	152,398		150,622
Consumer	71,063		72,488
Residential	44,753		41,633
Total loans	324,405		324,366
Less allowance for loan losses	5,693		5,612
Net loans	$ 318,712		$ 318,754

Financing Receivables On Non- Accrual Status

Financing Receivables on Non-Accrual Status (dollars in thousands)
	As of
	September 30, 2012	December 31, 2011
Commercial	$ 1,985	$ 3,570
Commercial Real Estate:
Commercial Mortgages-Owner Occupied	582	1,610
Commercial Mortgages-Non-Owner Occupied	1,395	2,794
Commercial Construction	729	782
Consumer
Consumer Unsecured	-	-
Consumer Secured	126	415
Residential:
Residential Mortgages	936	1,205
Residential Consumer Construction	-	-
Totals	$ 5,753	$ 10,375

Changes In OREO Balance

OREO Changes (dollars in thousands)
	Nine Months ended September 30, 2012
Balance at the beginning of the year (net)	$ 3,253
Transfers from loans	2,100
Capitalized costs	5
Writedowns	(710)
Sales proceeds	(2,307)
(Loss) on disposition	(74)
Balance at the end of the period (net)	$ 2,267

Impaired Loans

			Impaired Loans (dollars in thousands)
			For the Nine Months Ended September 30, 2012
2012			Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
With No Related Allowance Recorded:
	Commercial		$ 2,279		$ 2,538		$      -		$ 2,818		$ 11
	Commercial Real Estate
	Commercial Mortgages-Owner Occupied		2,703		2,801		-		2,457		143
	Commercial Mortgage Non-Owner Occupied		5,261		5,456		-		5,071		172
	Commercial Construction		950		950		-		1,027		38
	Consumer
	Consumer Unsecured		-		-		-		-		-
	Consumer Secured		652		713		-		473		37
	Residential
	Residential Mortgages		1,968		1,999		-		1,415		86
	Residential Consumer Construction		-		-		-		-		-
With An Allowance Recorded:
	Commercial		$ 1,376		$ 1,377		$ 421		$ 2,172		$ 54
	Commercial Real Estate
	Commercial Mortgages-Owner Occupied		1,605		1,851		468		2,061		81
	Commercial Mortgage Non-Owner Occupied		754		754		87		1,672		25
	Commercial Construction		1,274		1,546		144		1,487		8
	Consumer
	Consumer Unsecured		1		1		1		1		-
	Consumer Secured		564		741		426		753		18
	Residential
	Residential Mortgages		1,336		1,683		201		1,629		34
	Residential Consumer Construction		-		-		-		-		-
Totals:
	Commercial		$ 3,655		$ 3,915		$ 421		$ 4,990		$ 65
	Commercial Real Estate
	Commercial Mortgages-Owner Occupied		4,308		4,652		468		4,518		224
	Commercial Mortgage Non-Owner Occupied		6,015		6,210		87		6,743		197
	Commercial Construction		2,224		2,496		144		2,514		46
	Consumer
	Consumer Unsecured		1		1		1		1		-
	Consumer Secured		1,216		1,454		426		1,226		55
	Residential
	Residential Mortgages		3,304		3,682		201		3,044		120
	Residential Consumer Construction		-		-		-		-		-
			$ 20,723		$ 22,410		$ 1,748		$ 23,036		$ 707

			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 Nine Months Ended September 30, 2012
				Commercial
2012		Commercial		Real Estate		Consumer		Residential		Total
Allowance for Credit Losses:
Beginning Balance		$ 892		$ 2,677		$ 1,486		$ 557		$ 5,612
Charge-offs		(504)		(816)		(463)		(67)		(1,850)
Recoveries		18		112		18		7		155
Provision		592		785		218		181		1,776
Ending Balance		$ 998		$ 2,758		$ 1,259		$ 678		$ 5,693
Ending Balance: Individually evaluated for impairment		$ 421		$ 699		$ 427		$ 201		$ 1,748
Ending Balance: Collectively evaluated for impairment		577		2,059		832		477		3,945
Totals:		$ 998		$ 2,758		$ 1,259		$ 678		$ 5,693
Financing Receivables:
Ending Balance: Individually evaluated for impairment		3,655		12,546		1,217		3,305		20,723
Ending Balance: Collectively evaluated for impairment		52,536		139,852		69,846		41,448		303,682
Totals:		$ 56,191		$ 152,398		$ 71,063		$ 44,753		$ 324,405

Allowance for Credit Losses and Recorded Investment in Financing Receivables
(dollars in thousands)
For the Year Ended December 31, 2011
				Commercial
2011		Commercial		Real Estate		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 September 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	$ 40	$    -	$ 1,986	$ 2,026	$ 54,165	$ 56,191	$     -
Commercial Real Estate:
Commercial Mortgages-Owner Occupied	993	869	173	2,035	59,774	61,809	-
Commercial Mortgages-Non-Owner Occupied	291	-	1,396	1,687	80,390	82,077	-
Commercial Construction	-	-	320	320	8,192	8,512	-
Consumer:
Consumer Unsecured	16	1	-	17	3,451	3,468	-
Consumer Secured	261	365	172	798	66,797	67,595	-
Residential:
Residential Mortgages	548	298	810	1,656	38,815	40,471	-
Residential Consumer Construction	-	-	-	-	4,282	4,282	-
Total	$ 2,149	$ 1,533	$ 4,857	$ 8,539	$ 315,866	$ 324,405	$   -

	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
September 30, 2012
(dollars in thousands)
2012		Pass	Monitor	Special	Substandard	Doubtful	Totals
				Mention
Commercial		$ 49,387	$ 1,629	$ 2,019	$ 3,156	$   -	$ 56,191
Commercial Real Estate:
Commercial Mortgages0Owner Occupied		53,012	1,490	2,999	4,176	132	61,809
Commercial Mortgages0Non0Owner Occupied		69,622	2,178	4,262	6,015	-	82,077
Commercial Construction		6,289	-	-	2,223	-	8,512
Consumer
Consumer Unsecured		3,467	-	-	1	-	3,468
Consumer Secured		64,219	1,349	833	1,194	-	67,595
Residential:
Residential Mortgages		36,680	-	486	3,305	-	40,471
Residential Consumer Construction		4,282	-	-	-	-	4,282
Totals		$ 286,958	$ 6,646	$ 10,599	$ 20,070	$ 132	$ 324,405

Credit Loss Disclosures
Credit Quality Information - by Class
December 31, 2011
(dollars in thousands)
2011		Pass	Monitor	Special	Substandard	Doubtful	Totals
				Mention
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 Loan Modifications Classified As TDRs

For the Nine Months Ended September 30, 2011
(dollars in thousands)
Troubled Debt Restructurings That Subsequently Defaulted	Number of Contracts		Pre-Modification Outstanding Recorded Investment	Post-Modification Outstanding Recorded Investment
Commercial	5		$ 3,345,376	$ 3,345,376

Schedule Of Defaults During Stated Period Of Troubled Debt Restructurings

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

For the Nine Months Ended September 30, 2011
(dollars in thousands)
Troubled Debt Restructurings That Subsequently Defaulted	Number of Contracts		Recorded Investment
Commercial	1		$ 183
Consumer	1		30
Residential	2		482
Total	4		695

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