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Loans, Allowance For Loan Losses And OREO (Tables)

3 Months Ended

Mar. 31, 2013

Loans, Allowance For Loan Losses And OREO [Abstract]

Summary Of Loans, Net

	As of:
	March 31,		December 31,
	2013		2012
Commercial	$ 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
Balance 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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