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Loans And Allowance For Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2012
Loans And Allowance For Loan Losses [Abstract] |
Summary Of Loans, Net |
|  | December 31,
|  | 2012 |  | 2011
Commercial |  | $ 55,084 |  | $ 59,623
Commercial real estate |  | 153,416 |  | 150,622
Consumer |  | 70,639 |  | 72,488
Residential |  | 46,318 |  | 41,633
Total loans |  | 325,457 |  | 324,366
Less allowance for loan losses |  | 5,535 |  | 5,612
Net loans |  | $ 319,922 |  | $ 318,754
Financing Receivables On Non- Accrual Status |
Financing Receivables on Non-Accrual Status
(Dollars in Thousands)
| As of December 31,
| 2012 | 2011
Commercial | $ 2,100 | $ 3,570
Commercial Real Estate: |  |
Commercial Mortgages-Owner Occupied | 1,431 | 1,610
Commercial Mortgages-Non-Owner Occupied | 853 | 2,793
Commercial Construction | 849 | 782
Consumer |  |
Consumer Unsecured | - | -
Consumer Secured | - | 415
Residential: |  |
Residential Mortgages | 1,113 | 1,205
Residential Consumer Construction | - | -
Totals | $ 6,346 | $ 10,375
Impaired Loans |
|  | Impaired Loans
|  | For the Period Ending December 31, 2012
|  |  |  | Unpaid |  |  |  | Average |  | Interest
|  | Recorded |  | Principal |  | Related |  | Recorded |  | Income
2012 |  | Investment |  | Balance |  | Allowance |  | Investment |  | Recognized
With No Related Allowance Recorded: |  |  |  |  |  |  |  |  |  |
| Commercial | $ 2,530 |  | $ 2,683 |  | $ - |  | $ 2,944 |  | $ 30
| Commercial Real Estate |  |  |  |  |  |  |  |  |
| Commercial Mortgages-Owner Occupied | 2,592 |  | 2,754 |  | - |  | 2,402 |  | 167
| Commercial Mortgage Non-Owner Occupied | 6,369 |  | 6,528 |  | - |  | 5,625 |  | 330
| Commercial Construction | 740 |  | 742 |  | - |  | 922 |  | 52
| Consumer |  |  |  |  |  |  |  |  |
| Consumer Unsecured | - |  | - |  | - |  | - |  | -
| Consumer Secured | 469 |  | 554 |  | - |  | 381 |  | 34
| Residential |  |  |  |  |  |  |  |  |
| Residential Mortgages | 2,138 |  | 2,263 |  | - |  | 1,500 |  | 112
| Residential Consumer Construction | - |  | - |  | - |  | - |  | -
With an Allowance Recorded: |  |  |  |  |  |  |  |  |  |
| Commercial | $ 620 |  | $ 780 |  | $ 373 |  | $ 1,794 |  | $ 42
| Commercial Real Estate |  |  |  |  |  |  |  |  |
| Commercial Mortgages-Owner Occupied | 3,671 |  | 3,869 |  | 525 |  | 3,094 |  | 226
| Commercial Mortgage Non-Owner Occupied | 840 |  | 842 |  | 189 |  | 1,715 |  | 42
| Commercial Construction | 823 |  | 1,048 |  | 94 |  | 1,262 |  | 2
| Consumer |  |  |  |  |  |  |  |  |
| Consumer Unsecured | 1 |  | 1 |  | 1 |  | 1 |  | -
| Consumer Secured | 530 |  | 530 |  | 195 |  | 736 |  | 35
| Residential |  |  |  |  |  |  |  |  |
| Residential Mortgages | 1,015 |  | 1,303 |  | 160 |  | 1,469 |  | 42
| Residential Consumer Construction | - |  | - |  | - |  | - |  | -
Totals: |  |  |  |  |  |  |  |  |  |
| Commercial | $ 3,150 |  | $ 3,463 |  | $ 373 |  | $ 4,738 |  | $ 72
| Commercial Real Estate |  |  |  |  |  |  |  |  |
| Commercial Mortgages-Owner Occupied | 6,263 |  | 6,623 |  | 525 |  | 5,496 |  | 393
| Commercial Mortgage Non-Owner Occupied | 7,209 |  | 7,370 |  | 189 |  | 7,340 |  | 372
| Commercial Construction | 1,563 |  | 1,790 |  | 94 |  | 2,184 |  | 54
| Consumer |  |  |  |  |  |  |  |  |
| Consumer Unsecured | 1 |  | 1 |  | 1 |  | 1 |  | -
| Consumer Secured | 999 |  | 1,084 |  | 195 |  | 1,117 |  | 69
| Residential |  |  |  |  |  |  |  |  |
| Residential Mortgages | 3,153 |  | 3,566 |  | 160 |  | 2,969 |  | 154
| Residential Consumer Construction | - |  | - |  | - |  | - |  | -
|  | $ 22,338 |  | $ 23,897 |  | $ 1,537 |  | $ 23,845 |  | $ 1,114
|  | Impaired Loans
|  | 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 For the Year Ended December 31, 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 |  | (739) |  | (1,061) |  | (697) |  | (102) |  | (2,599)
Recoveries |  | 18 |  | 129 |  | 77 |  | 9 |  | 233
Provision |  | 816 |  | 1,104 |  | 191 |  | 178 |  | 2,289
Ending Balance |  | $ 987 |  | $ 2,849 |  | $ 1,057 |  | $ 642 |  | $ 5,535
Ending Balance: Individually evaluated for impairment |  | $ 373 |  | $ 808 |  | $ 196 |  | $ 160 |  | $ 1,537
Ending Balance: Collectively evaluated for impairment |  | 614 |  | 2,041 |  | 861 |  | 482 |  | 3,998
Totals: |  | $ 987 |  | $ 2,849 |  | $ 1,057 |  | $ 642 |  | $ 5,535
Financing Receivables: |  |  |  |  |  |  |  |  |  |
Ending Balance: Individually evaluated for impairment |  | $ 3,150 |  | $ 15,035 |  | $ 1,000 |  | $ 3,153 |  | $ 22,338
Ending Balance: Collectively evaluated for impairment |  | 51,934 |  | 138,381 |  | 69,639 |  | 43,165 |  | 303,119
Totals: |  | $ 55,084 |  | $ 153,416 |  | $ 70,639 |  | $ 46,318 |  | $ 325,457
Allowance for Credit Losses and Recorded Investment in Financing Receivables 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 December 31, 2012
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 | $ 223 | $ 14 | $ 2,100 | $ 2,337 | $ 52,747 | $ 55,084 | $ -
Commercial Real Estate: |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied | 351 | - | 168 | 519 | 59,412 | 59,931 | -
Commercial Mortgages-Non-Owner Occupied | 559 | 50 | 853 | 1,462 | 82,654 | 84,116 | -
Commercial Construction | 547 | - | 849 | 1,396 | 7,973 | 9,369 | -
Consumer: |  |  |  |  |  |  |
Consumer Unsecured | 2 | 8 | - | 10 | 3,494 | 3,504 | -
Consumer Secured | 193 | - | - | 193 | 66,942 | 67,135 | -
Residential: |  |  |  |  |  |  |
Residential Mortgages | 590 | 68 | 472 | 1,130 | 40,290 | 41,420 | -
Residential Consumer Construction | - | - | - | - | 4,898 | 4,898 | -
Total | $ 2,465 | $ 140 | $ 4,442 | $ 7,047 | $ 318,410 | $ 325,457 | $ -
Age Analysis of Past Due Financing Receivables as of December 31, 2011
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 December 31, 2012
2012 | Pass | Monitor | Special | Substandard | Doubtful | Totals
|  |  | Mention |  |  |
Commercial | $ 49,162 | $ 1,422 | $ 1,350 | $ 3,150 | $ - | $ 55,084
Commercial Real Estate: |  |  |  |  |  |
Commercial Mortgages-Owner Occupied | 49,717 | 2,952 | 1,000 | 6,262 | - | 59,931
Commercial Mortgages-Non-Owner Occupied | 72,120 | 2,212 | 2,576 | 7,208 | - | 84,116
Commercial Construction | 7,806 | - | - | 1,563 | - | 9,369
Consumer |  |  |  |  |  |
Consumer Unsecured | 3,503 | - | - | 1 | - | 3,504
Consumer Secured | 63,948 | 1,343 | 867 | 977 | - | 67,135
Residential: |  |  |  |  |  |
Residential Mortgages | 37,784 | - | 483 | 3,153 | - | 41,420
Residential Consumer Construction | 4,898 | - | - | - | - | 4,898
Totals | $ 288,938 | $ 7,929 | $ 6,276 | $ 22,314 | $ - | $ 325,457
Credit Loss Disclosures Credit Quality Information - by Class December 31, 2011
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 Year Ended December 31, 2012
Troubled Debt Restructurings | Number of Contracts |  | Pre-Modification Outstanding Recorded Investment | Post-Modification Outstanding Recorded Investment
Commercial Real Estate | 3 |  | $572 | $572
For the Year Ended December 31, 2011
Troubled Debt Restructurings | Number of Contracts |  | Pre-Modification Outstanding Recorded Investment | Post-Modification Outstanding Recorded Investment
Commercial Real Estate | 5 |  | $2,718 | $2,718
Schedule Of Defaults During Stated Period Of Troubled Debt Restructurings |
For the Year Ended December 31, 2012
Troubled Debt Restructurings That Subsequently Defaulted | Number of Contracts |  | Recorded Investment
Commercial Real Estate | 3 |  | $ 798
For the Year Ended December 31, 2011
Troubled Debt Restructurings That Subsequently Defaulted | Number of Contracts |  | Recorded Investment
Commercial | 2 |  | $ 3,596
Consumer | 1 |  | 30
Total | 3 |  | $ 3,626

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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=7512638&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=7880640&loc=SL6953803-111525 + Details
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