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Loans And Allowance For Loan Losses (Tables)

12 Months Ended

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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