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Loans, Allowance For Loan Losses And OREO (Tables)

9 Months Ended

Sep. 30, 2013

Loans, Allowance For Loan Losses And OREO [Abstract]

Summary Of Loans, Net

	As of:
	September 30,		December 31,
	2013		2012
Commercial	$ 54,943		$ 55,084
Commercial real estate	164,275		153,416
Consumer	69,277		70,639
Residential	46,960		46,318
Total loans	335,455		325,457
Less allowance for loan losses	4,983		5,535
Net loans	$ 330,472		$ 319,922

Financing Receivables On Non-Accrual Status

Financing Receivables on Non-Accrual Status
(dollars in thousands)
	As of
	September 30, 2013	December 31, 2012
Commercial	$ 1,810	$ 2,100
Commercial Real Estate:
Commercial Mortgages-Owner Occupied	1,190	1,431
Commercial Mortgages-Non-Owner Occupied	353	853
Commercial Construction	508	849
Consumer
Consumer Unsecured	-	-
Consumer Secured	49	-
Residential:
Residential Mortgages	112	1,113
Residential Consumer Construction	-	-
Totals	$ 4,022	$ 6,346

Changes In OREO Balance

OREO Changes
(dollars in thousands)
	Nine Months ended
	September 30, 2013
Balance at the beginning of the year (net)	$ 2,112
Transfers from loans	710
Capitalized costs	-
Writedowns	(304)
Sales proceeds	(777)
(Loss) on disposition	(40)
Balance at the end of the period (net)	$ 1,701

Impaired Loans

		Impaired Loans
		(dollars in thousands)
		For the Nine Months Ended September 30, 2013
				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
2013		Investment		Balance		Allowance		Investment		Recognized
With No Related Allowance Recorded:
Commercial		$3,371		$ 3,765		$      -		$ 2,951		$ 66
Commercial Real Estate
Commercial Mortgages-Owner Occupied		1,871		2,032		-		2,232		102
Commercial Mortgage Non-Owner Occupied		629		629		-		3,499		20
Commercial Construction		200		613		-		470		5
Consumer
Consumer Unsecured		-		-		-		-		-
Consumer Secured		57		57		-		263		2
Residential
Residential Mortgages		732		775		-		1,435		33
Residential Consumer Construction		-		-		-		-		-
With An Allowance Recorded:
Commercial		$ 1,790		$ 1,790		$ 512		$ 1,205		$ 81
Commercial Real Estate
Commercial Mortgages-Owner Occupied		1,338		1,367		70		2,505		26
Commercial Mortgage Non-Owner Occupied		735		737		67		788		30
Commercial Construction		424		516		48		624		-
Consumer
Consumer Unsecured		-		-		-		-		-
Consumer Secured		160		160		160		345		8
Residential
Residential Mortgages		2,156		2,503		226		1,586		112
Residential Consumer Construction		-		-		-		-		-
Totals:
Commercial		$ 5,161		$ 5,555		$ 512		$ 4,156		$ 147
Commercial Real Estate
Commercial Mortgages-Owner Occupied		3,209		3,399		70		4,737		128
Commercial Mortgage Non-Owner Occupied		1,364		1,366		67		4,287		50
Commercial Construction		624		1,129		48		1,094		5
Consumer
Consumer Unsecured		-		-		-		-		-
Consumer Secured		217		217		160		608		10
Residential
Residential Mortgages		2,888		3,278		226		3,021		145
Residential Consumer Construction		-		-		-		-		-
		$ 13,463		$ 14,944		$ 1,083		$ 17,903		$ 485

Note 9 – Loans, allowance for loan losses and OREO (continued)

		Impaired Loans
		(dollars in thousands)
		For the Year Ended 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

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 Nine Months Ended September 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)		(797)		(126)		(28)		(970)
Recoveries		30		38		60		-		128
Provision		103		152		28		(7)		290
Ending Balance		1,101		2,242		1,019		621		4,983
Ending Balance: Individually evaluated for impairment		$ 512		$ 185		$ 160		$ 226		$ 1,083
Ending Balance: Collectively evaluated for impairment		589		2,057		859		395		3,900
Totals:		$ 1,101		$ 2,242		$ 1,019		$ 621		$ 4,983
Financing Receivables:
Ending Balance: Individually evaluated for impairment		5,161		5,197		217		2,888		13,463
Ending Balance: Collectively evaluated for impairment		49,782		159,078		69,060		44,072		321,992
Totals:		$ 54,943		$ 164,275		$ 69,277		$ 46,960		$ 335,455

Note 9 – Loans, allowance for loan losses and OREO (continued)

		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
	September 30, 2013
	(dollars in thousands)
			Greater			Total	Recorded Investment
	30-59 Days	60-89 Days	than	Total Past		Financing	> 90 Days &
2013	Past Due	Past Due	90 Days	Due	Current	Receivables	Accruing
Commercial	$ 51	$ 62	$ 1,810	$ 1,923	$ 53,020	$ 54,943	$     -
Commercial Real Estate:
Commercial Mortgages-   Owner Occupied	-	652	409	1,061	63,897	64,958	-
Commercial Mortgages-Non-Owner Occupied	377	180	718	1,275	89,712	90,987	718
Commercial Construction	-	-	508	508	7,822	8,330	-
Consumer:
Consumer Unsecured	-	-	-	-	4,224	4,224	-
Consumer Secured	64	-	49	113	64,940	65,053	-
Residential:
Residential Mortgages	201	-	112	313	40,375	40,688	-
Residential Consumer Construction	-	-	-	-	6,272	6,272	-
Total	$ 693	$ 894	$ 3,606	$ 5,193	$ 330,262	$ 335,455	$ 718

	Age Analysis of Past Due Financing Receivables as of
	December 31, 2012
	(dollars in thousands)
				Greater			Total	Recorded Investment
	30-59 Days	60-89 Days		than	Total Past		Financing	> 90 Days &
2012	Past Due	Past Due		90 Days	Due	Current	Receivables	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
		September 30, 2013
		(dollars in thousands)
2013		Pass	Monitor	Special	Substandard	Doubtful	Totals
				Mention
Commercial		$ 47,458	$ 2,038	$ 233	$ 5,214	$   -	$ 54,943
Commercial Real Estate:
Commercial Mortgages-Owner Occupied		57,832	2,606	1,287	3,233	-	64,958
Commercial Mortgages-Non Owner Occupied		80,612	2,593	5,807	1,975	-	90,987
Commercial Construction		7,706	-	-	624	-	8,330
Consumer
Consumer Unsecured		4,223	-	-	1	-	4,224
Consumer Secured		63,733	692	167	461	-	65,053
Residential:
Residential Mortgages		37,039	83	371	3,195	-	40,688
Residential Consumer Construction		6,272	-	-	-	-	6,272
Totals		$ 304,875	$ 8,012	$ 7,865	$ 14,703	$-	$ 335,455

		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 Nine Months Ended September 30, 2012
(dollars in thousands)
Troubled Debt Restructurings That Subsequently Defaulted	Number of Contracts			Recorded Investment
Commercial	4			$ 798

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