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Loans, Allowance For Loan Losses And OREO (Tables) | 6 Months Ended
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Jun. 30, 2013
Loans, Allowance For Loan Losses And OREO [Abstract] |
Summary Of Loans, Net |
| As of:
| June 30, |  | December 31,
| 2013 |  | 2012
Commercial | $ 59,623 |  | $ 55,084
Commercial real estate | 161,495 |  | 153,416
Consumer | 70,567 |  | 70,639
Residential | 45,493 |  | 46,318
Total loans | 337,178 |  | 325,457
Less allowance for loan losses | 5,475 |  | 5,535
Net loans | $ 331,703 |  | $ 319,922
Financing Receivables On Non-Accrual Status |
Financing Receivables on Non-Accrual Status (dollars in thousands)
| As of
| June 30, 2013 | December 31, 2012
Commercial | $ 1,876 | $ 2,100
Commercial Real Estate: |  |
Commercial Mortgages-Owner Occupied | 1,431 | 1,431
Commercial Mortgages-Non-Owner Occupied | 866 | 853
Commercial Construction | 726 | 849
Consumer |  |
Consumer Unsecured | - | -
Consumer Secured | - | -
Residential: |  |
Residential Mortgages | 115 | 1,113
Residential Consumer Construction | - | -
Totals | $ 5,014 | $ 6,346
Changes In OREO Balance |
OREO Changes (dollars in thousands)
| Six Months ended June 30, 2013
Balance at the beginning of the year (net) | $ 2,112
Transfers from loans | 491
Capitalized costs | -
Writedowns | (284)
Sales proceeds | (493)
(Loss) on disposition | (9)
Balance at the end of the period (net) | $ 1,817
Impaired Loans |
|  | Impaired Loans (dollars in thousands)
|  | For the Six Months Ended June 30, 2013
2013 |  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
With No Related Allowance Recorded: |  |  |  |  |  |  |  |  |
| Commercial | $ 1,528 |  | $ 1,677 |  | $ - |  | $ 2,029 |  | $ 21
| Commercial Real Estate |  |  |  |  |  |  |  |  |
| Commercial Mortgages-Owner Occupied | 2,781 |  | 2,832 |  | - |  | 2,687 |  | 57
| Commercial Mortgage Non-Owner Occupied | 3,290 |  | 3,291 |  | - |  | 4,830 |  | 81
| Commercial Construction | 627 |  | 627 |  | - |  | 684 |  | 18
| Consumer |  |  |  |  |  |  |  |  |
| Consumer Unsecured | - |  | - |  | - |  | - |  | -
| Consumer Secured | 741 |  | 740 |  | - |  | 605 |  | 3
| Residential |  |  |  |  |  |  |  |  |
| Residential Mortgages | 738 |  | 776 |  | - |  | 1,438 |  | 22
| Residential Consumer Construction | - |  | - |  | - |  | - |  | -
With An Allowance Recorded: |  |  |  |  |  |  |  |  |
| Commercial | $ 2,520 |  | $ 2,723 |  | $ 628 |  | $ 1,570 |  | $ 38
| Commercial Real Estate |  |  |  |  |  |  |  |  |
| Commercial Mortgages-Owner Occupied | 1,032 |  | 1,353 |  | 196 |  | 2,352 |  | 27
| Commercial Mortgage Non-Owner Occupied | 768 |  | 768 |  | 139 |  | 804 |  | 21
| Commercial Construction | 726 |  | 994 |  | 265 |  | 775 |  | -
| Consumer |  |  |  |  |  |  |  |  |
| Consumer Unsecured | 1 |  | 1 |  | 1 |  | 1 |  | -
| Consumer Secured | 166 |  | 166 |  | 162 |  | 348 |  | 6
| Residential |  |  |  |  |  |  |  |  |
| Residential Mortgages | 1,282 |  | 1,282 |  | 166 |  | 1,149 |  | 44
| Residential Consumer Construction | - |  | - |  | - |  | - |  | -
Totals: |  |  |  |  |  |  |  |  |
| Commercial | $ 4,048 |  | $ 4,400 |  | $ 628 |  | $ 3,599 |  | $ 59
| Commercial Real Estate |  |  |  |  |  |  |  |  |
| Commercial Mortgages-Owner Occupied | 3,813 |  | 4,185 |  | 196 |  | 5,039 |  | 84
| Commercial Mortgage Non-Owner Occupied | 4,058 |  | 4,059 |  | 139 |  | 5,634 |  | 102
| Commercial Construction | 1,353 |  | 1,621 |  | 265 |  | 1,459 |  | 18
| Consumer |  |  |  |  |  |  |  |  |
| Consumer Unsecured | 1 |  | 1 |  | 1 |  | 1 |  | -
| Consumer Secured | 907 |  | 906 |  | 162 |  | 953 |  | 9
| Residential |  |  |  |  |  |  |  |  |
| Residential Mortgages | 2,020 |  | 2,058 |  | 166 |  | 2,587 |  | 66
| Residential Consumer Construction | - |  | - |  | - |  | - |  | -
|  | $ 16,200 |  | $ 17,230 |  | $ 1,557 |  | $ 19,272 |  | $ 338
|  | 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 Six Months Ended June 30, 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) |  | (321) |  | (89) |  | (28) |  | (457)
Recoveries |  | 18 |  | 39 |  | 50 |  | - |  | 107
Provision |  | 303 |  | 10 |  | 42 |  | (65) |  | 290
Ending Balance |  | 1,289 |  | 2,577 |  | 1,060 |  | 549 |  | 5,475
Ending Balance: Individually evaluated for impairment |  | $ 628 |  | $ 600 |  | $ 163 |  | $ 166 |  | $ 1,557
Ending Balance: Collectively evaluated for impairment |  | 661 |  | 1,977 |  | 897 |  | 383 |  | 3,918
Totals: |  | $ 1,289 |  | $ 2,577 |  | $ 1,060 |  | $ 549 |  | $ 5,475
Financing Receivables: |  |  |  |  |  |  |  |  |  |
Ending Balance: Individually evaluated for impairment |  | 4,048 |  | 9,224 |  | 908 |  | 2,020 |  | 16,200
Ending Balance: Collectively evaluated for impairment |  | 55,575 |  | 152,271 |  | 69,659 |  | 43,473 |  | 320,978
Totals: |  | $ 59,623 |  | $ 161,495 |  | $ 70,567 |  | $ 45,493 |  | $ 337,178
|  | 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 June 30, 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 | $ 1,808 | $ - | $ 1,877 | $ 3,685 | $ 55,938 | $ 59,623 | $ -
Commercial Real Estate: |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied | 780 | - | 1,431 | 2,211 | 59,870 | 62,081 | -
Commercial Mortgages-Non-Owner Occupied | 957 | 402 | - | 1,359 | 87,785 | 89,144 | -
Commercial Construction | - | - | 726 | 726 | 9,544 | 10,270 | -
Consumer: |  |  |  |  |  |  |
Consumer Unsecured | 2 | - | - | 2 | 3,814 | 3,816 | -
Consumer Secured | 101 | 87 | - | 188 | 66,563 | 66,751 | -
Residential: |  |  |  |  |  |  |
Residential Mortgages | 299 | 115 | - | 414 | 39,483 | 39,897 | -
Residential Consumer Construction | - | - | - | - | 5,596 | 5,596 | -
Total | $ 3,947 | $ 604 | $ 4,034 | $ 8,585 | $ 328,593 | $ 337,178 | $ -
| 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 June 30, 2013 (dollars in thousands)
2013 |  | Pass | Monitor | Special | Substandard | Doubtful | Totals
|  |  |  | Mention |  |  |
Commercial |  | $ 52,761 | $ 2,514 | $ 240 | $ 4,108 | $ - | $ 59,623
Commercial Real Estate: |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 54,184 | 3,959 | 100 | 3,662 | 176 | 62,081
Commercial Mortgages-Non0Owner Occupied |  | 80,814 | 2,667 | 1,256 | 4,369 | 38 | 89,144
Commercial Construction |  | 8,375 | 542 | - | 1,353 | - | 10,270
Consumer |  |  |  |  |  |  |
Consumer Unsecured |  | 3,815 | - | - | 1 | - | 3,816
Consumer Secured |  | 64,186 | 1,145 | 227 | 1,193 | - | 66,751
Residential: |  |  |  |  |  |  |
Residential Mortgages |  | 36,530 | 603 | 373 | 2,391 | - | 39,897
Residential Consumer Construction |  | 5,596 | - | - | - | - | 5,596
Totals |  | $ 306,261 | $ 11,430 | $ 2,196 | $ 17,077 | $ 214 | $ 337,178
|  | 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 June 30, 2012
(dollars in thousands)
Troubled Debt Restructurings That Subsequently Defaulted | Number of Contracts |  | Recorded Investment
Commercial | 2 |  | $ 208
For the Six Months Ended June 30, 2012
(dollars in thousands)
Troubled Debt Restructurings That Subsequently Defaulted | Number of Contracts |  | Recorded Investment
Commercial | 4 |  | $ 798

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