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Loans, Allowance For Loan Losses And OREO (Tables) | 3 Months Ended
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Mar. 31, 2013
Loans, Allowance For Loan Losses And OREO [Abstract] |
Summary Of Loans, Net |
| As of:
| March 31, |  | December 31,
| 2013 |  | 2012
Com mercial | $ 57,408 |  | $ 55,084
Commercial real estate | 156,912 |  | 153,416
Consumer | 70,441 |  | 70,639
Residential | 46,355 |  | 46,318
Total loans | 331,116 |  | 325,457
Less allowance for loan losses | 5,606 |  | 5,535
Net loans | $ 325,510 |  | $ 319,922
Financing Receivables On Non-Accrual Status |
Financing Receivables on Non-Accrual Status (dollars in thousands)
| As of
| March 31, 2013 | December 31, 2012
Commercial | $ 1,882 | $ 2,100
Commercial Real Estate: |  |
Commercial Mortgages-Owner Occupied | 1,431 | 1,431
Commercial Mortgages-Non-Owner Occupied | 1,201 | 853
Commercial Construction | 726 | 849
Consumer |  |
Consumer Unsecured | 9 | -
Consumer Secured | 77 | -
Residential: |  |
Residential Mortgages | 714 | 1,113
Residential Consumer Construction | - | -
Totals | $ 6,040 | $ 6,346
Changes In OREO Balance |
OREO Changes (dollars in thousands)
| Three Months ended March 31, 2013
Balan ce at the beginning of the year (net) | $ 2,112
Transfers from loans | 411
Capitalized costs | -
Writedowns | (25)
Sales proceeds | (159)
(Loss) on disposition | (21)
Balance at the end of the period (net) | $ 2,318
Impaired Loans |
|  | Impaired Loans (dollars in thousands)
|  | For the Nine Months Ended March 31, 2013
2013 |  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
With No Related Allowance Recorded: |  |  |  |  |  |  |  |  |
| Commercial | $ 3,887 |  | $ 4,062 |  | $ - |  | $ 3,209 |  | $ 27
| Commercial Real Estate |  |  |  |  |  |  |  |  |
| Commercial Mortgages-Owner Occupied | 1,778 |  | 1,789 |  | - |  | 2,185 |  | 14
| Commercial Mortgage Non-Owner Occupied | 3,975 |  | 4,144 |  | - |  | 5,172 |  | 47
| Commercial Construction | 672 |  | 672 |  | - |  | 706 |  | 9
| Consumer |  |  |  |  |  |  |  |  |
| Consumer Unsecured | - |  | - |  | - |  | - |  | -
| Consumer Secured | 355 |  | 355 |  | - |  | 412 |  | 5
| Residential |  |  |  |  |  |  |  |  |
| Residential Mortgages | 1,431 |  | 1,467 |  | - |  | 1,785 |  | 22
| Residential Consumer Construction | - |  | - |  | - |  | - |  | -
With An Allowance Recorded: |  |  |  |  |  |  |  |  |
| Commercial | $ 176 |  | $ 176 |  | $ 176 |  | $ 398 |  | $ 3
| Commercial Real Estate |  |  |  |  |  |  |  |  |
| Commercial Mortgages-Owner Occupied | 4,141 |  | 4,505 |  | 737 |  | 3,906 |  | 63
| Commercial Mortgage Non-Owner Occupied | 1,169 |  | 1,173 |  | 198 |  | 1,005 |  | 12
| Commercial Construction | 731 |  | 956 |  | 107 |  | 777 |  | -
| Consumer |  |  |  |  |  |  |  |  |
| Consumer Unsecured | 1 |  | 1 |  | 1 |  | 1 |  | -
| Consumer Secured | 401 |  | 401 |  | 179 |  | 466 |  | 7
| Residential |  |  |  |  |  |  |  |  |
| Residential Mortgages | 1,145 |  | 1,433 |  | 158 |  | 1,080 |  | 20
| Residential Consumer Construction | - |  | - |  | - |  | - |  | -
Totals: |  |  |  |  |  |  |  |  |
| Commercial | $ 4,063 |  | $ 4,238 |  | $ 176 |  | $ 3,607 |  | $ 30
| Commercial Real Estate |  |  |  |  |  |  |  |  |
| Commercial Mortgages-Owner Occupied | 5,919 |  | 6,294 |  | 737 |  | 6,091 |  | 77
| Commercial Mortgage Non-Owner Occupied | 5,144 |  | 5,317 |  | 198 |  | 6,177 |  | 59
| Commercial Construction | 1,403 |  | 1,628 |  | 107 |  | 1,483 |  | 9
| Consumer |  |  |  |  |  |  |  |  |
| Consumer Unsecured | 1 |  | 1 |  | 1 |  | 1 |  | -
| Consumer Secured | 756 |  | 756 |  | 179 |  | 878 |  | 12
| Residential |  |  |  |  |  |  |  |  |
| Residential Mortgages | 2,576 |  | 2,900 |  | 158 |  | 2,865 |  | 42
| Residential Consumer Construction | - |  | - |  | - |  | - |  | -
|  | $ 19,862 |  | $ 21,134 |  | $ 1,556 |  | $ 21,102 |  | $ 229
|  | Impaired Loans (dollars in thousands)
|  | For the Year Ended December 31, 2012
2012 |  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income 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
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 Three Months Ended March 31, 2013 |  |  |  |  |  |  |  |  |  |
|  |  |  | Commercial |  |  |  |  |  |
2013 |  | Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
Allowance for Credit Losses: |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ 987 |  | $ 2,849 |  | $ 1,057 |  | $ 642 |  | $ 5,535
Charge-offs |  | (19) |  | (149) |  | (7) |  | (11) |  | (186)
Recoveries |  | 8 |  | - |  | 14 |  | - |  | 22
Provision |  | (120) |  | 329 |  | 77 |  | (51) |  | 235
Ending Balance |  | $ 856 |  | $ 3,029 |  | $ 1,141 |  | $ 580 |  | $ 5,606
Ending Balance: Individually evaluated for impairment |  | $ 176 |  | $ 1,042 |  | $ 180 |  | $ 158 |  | $ 1,556
Ending Balance: Collectively evaluated for impairment |  | 680 |  | 1,987 |  | 961 |  | 422 |  | 4,050
Totals: |  | $ 856 |  | $ 3,029 |  | $ 1,141 |  | $ 580 |  | $ 5,606
Financing Receivables: |  |  |  |  |  |  |  |  |  |
Ending Balance: Individually evaluated for impairment |  | 4,063 |  | 12,466 |  | 757 |  | 2,576 |  | 19,862
Ending Balance: Collectively evaluated for impairment |  | 53,345 |  | 144,446 |  | 69,684 |  | 43,779 |  | 311,254
Totals: |  | $ 57,408 |  | $ 156,912 |  | $ 70,441 |  | $ 46,355 |  | $ 331,116
Allowance for Credit Losses and Recorded Investment in Financing Receivables |  |  |  |  |  |  |  |  |  |
(dollars in thousands) |  |  |  |  |  |  |  |  |  |
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
Age Analysis Of Past Due Financing Receivables |
| Age Analysis of Past Due Financing Receivables as of March 31, 2013 (dollars in thousands)
2013 | 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 | $ 184 | $ - | $ 1,882 | $ 2,066 | $ 55,342 | $ 57,408 | $ -
Commercial Real Estate: |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied | 1,202 | 535 | 168 | 1,905 | 56,665 | 58,570 | -
Commercial Mortgages-Non-Owner Occupied | 497 | 406 | 1,019 | 1,922 | 86,419 | 88,341 | -
Commercial Construction | 139 | - | 726 | 865 | 9,136 | 10,001 | -
Consumer: |  |  |  |  |  |  |
Consumer Unsecured | 3 | - | 4 | 7 | 3,516 | 3,523 | -
Consumer Secured | 46 | 15 | 77 | 138 | 66,780 | 66,918 | -
Residential: |  |  |  |  |  |  |
Residential Mortgages | 321 | 289 | 76 | 686 | 40,120 | 40,806 | -
Residential Consumer Construction | - | - | - | - | 5,549 | 5,549 | -
Total | $ 2,392 | $ 1,245 | $ 3,952 | $ 7,589 | $ 323,527 | $ 331,116 | $ -
| Age Analysis of Past Due Financing Receivables as of December 31, 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 | $ 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 | $ -
Credit Quality Information |
Credit Loss Disclosures |  |  |  |  |  |  |
Credit Quality Information - by Class |  |  |  |  |  |  |
March 31, 2013 |  |  |  |  |  |  |
(dollars in thousands) |  |  |  |  |  |  |
2013 |  | Pass | Monitor | Special | Substandard | Doubtful | Totals
|  |  |  | Mention |  |  |
Commercial |  | $ 50,031 | $ 1,676 | $ 1,600 | $ 4,101 | $ - | $ 57,408
Commercial Real Estate: |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 49,593 | 2,933 | 125 | 5,919 | - | 58,570
Commercial Mortgages-Non0Owner Occupied |  | 78,068 | 2,352 | 2,411 | 5,510 | - | 88,341
Commercial Construction |  | 8,565 | - | - | 1,436 | - | 10,001
Consumer |  |  |  |  |  |  |
Consumer Unsecured |  | 3,518 | - | - | 5 | - | 3,523
Consumer Secured |  | 63,773 | 1,356 | 775 | 1,014 | - | 66,918
Residential: |  |  |  |  |  |  |
Residential Mortgages |  | 37,379 | 84 | 480 | 2,863 | - | 40,806
Residential Consumer Construction |  | 5,549 | - | - | - | - | 5,549
Totals |  | $ 296,476 | $ 8,401 | $ 5,391 | $ 20,848 | $ - | $ 331,116
Credit Loss Disclosures |  |  |  |  |  |  |
Credit Quality Information - by Class |  |  |  |  |  |  |
December 31, 2012 |  |  |  |  |  |  |
(dollars in thousands) |  |  |  |  |  |  |
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
Schedule Of Defaults During Stated Period Of Troubled Debt Restructurings |
For the Three Months Ended March 31, 2012
(dollars in thousands)
Troubled Debt Restructurings That Subsequently Defaulted | Number of Contracts |  | Recorded Investment
Commercial | 2 |  | $ 590

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