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Loans And Allowance For Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2013
Loans And Allowance For Loan Losses [Abstract] |
Summary Of Loans, Net |
|  | December 31,
|  | 2013 |  | 2012
Commercial |  | $ 55,803 |  | $ 55,084
Commercial real estate |  | 172,117 |  | 153,416
Consumer |  | 71,165 |  | 70,639
Residential |  | 46,095 |  | 46,318
Total loans |  | 345,180 |  | 325,457
Less allowance for loan losses |  | 5,186 |  | 5,535
Net loans |  | $ 339,994 |  | $ 319,922
Financing Receivables On Non- Accrual Status |
Financing Receivables on Non-Accrual Status
(Dollars in Thousands)
| As of December 31,
| 2013 | 2012
Commercial | $ 1,585 | $ 2,100
Commercial Real Estate: |  |
Commercial Mortgages-Owner Occupied | 537 | 1,431
Commercial Mortgages-Non-Owner Occupied | 353 | 853
Commercial Construction | 375 | 849
Consumer |  |
Consumer Unsecured | - | -
Consumer Secured | 33 | -
Residential: |  |
Residential Mortgages | 183 | 1,113
Residential Consumer Construction | - | -
Totals | $ 3,066 | $ 6,346
Impaired Loans |
|  | Impaired Loans
|  | For the Period Ending December 31, 2013
|  |  |  | Unpaid |  |  |  | Average |  | Interest
|  | Recorded |  | Principal |  | Related |  | Recorded |  | Income
2013 |  | Investment |  | Balance |  | Allowance |  | Investment |  | Recognized
With No Related Allowance Recorded: |  |  |  |  |  |  |  |  |
| Commercial | $ 3,265 |  | $ 3,699 |  | $ - |  | $ 2,898 |  | $ 101
| Commercial Real Estate |  |  |  |  |  |  |  |  |
| Commercial Mortgages-Owner Occupied | 539 |  | 593 |  | - |  | 1,566 |  | 38
| Commercial Mortgage Non-Owner Occupied | 1,003 |  | 1,003 |  | - |  | 3,686 |  | 47
| Commercial Construction | 751 |  | 1,274 |  | - |  | 746 |  | 8
| Consumer |  |  |  |  |  |  |  |  |
| Consumer Unsecured | - |  | - |  | - |  | - |  | -
| Consumer Secured | 21 |  | 21 |  | - |  | 245 |  | 1
| Residential |  |  |  |  |  |  |  |  |
| Residential Mortgages | 470 |  | 517 |  | - |  | 1,304 |  | 24
| Residential Consumer Construction | - |  | - |  | - |  | - |  | -
With an Allowance Recorded: |  |  |  |  |  |  |  |  |
| Commercial | $ 573 |  | $ 573 |  | $ 406 |  | $ 597 |  | $ 38
| Commercial Real Estate |  |  |  |  |  |  |  |  |
| Commercial Mortgages-Owner Occupied | 2,420 |  | 2,617 |  | 280 |  | 3,046 |  | 108
| Commercial Mortgage Non-Owner Occupied | 220 |  | 221 |  | 14 |  | 530 |  | 15
| Commercial Construction | - |  | - |  | - |  | 412 |  | -
| Consumer |  |  |  |  |  |  |  |  |
| Consumer Unsecured | - |  | - |  | - |  | 1 |  | -
| Consumer Secured | 40 |  | 40 |  | 40 |  | 285 |  | 3
| Residential |  |  |  |  |  |  |  |  |
| Residential Mortgages | 1,684 |  | 1,820 |  | 224 |  | 1,350 |  | 118
| Residential Consumer Construction | - |  | - |  | - |  | - |  | -
Totals: |  |  |  |  |  |  |  |  |
| Commercial | $ 3,838 |  | $ 4,272 |  | $ 406 |  | $ 3,495 |  | $ 139
| Commercial Real Estate |  |  |  |  |  |  |  |  |
| Commercial Mortgages-Owner Occupied | 2,959 |  | 3,210 |  | 280 |  | 4,612 |  | 146
| Commercial Mortgage Non-Owner Occupied | 1,223 |  | 1,224 |  | 14 |  | 4,216 |  | 62
| Commercial Construction | 751 |  | 1,274 |  | - |  | 1,158 |  | 8
| Consumer |  |  |  |  |  |  |  |  |
| Consumer Unsecured | - |  | - |  | - |  | 1 |  | -
| Consumer Secured | 61 |  | 61 |  | 40 |  | 530 |  | 4
| Residential |  |  |  |  |  |  |  |  |
| Residential Mortgages | 2,154 |  | 2,337 |  | 224 |  | 2,654 |  | 142
| Residential Consumer Construction | - |  | - |  | - |  | - |  | -
|  | $ 10,986 |  | $ 12,378 |  | $ 964 |  | $ 16,666 |  | $ 501
Note 5 - Loans and allowance for loan losses (continued)
|  | Impaired Loans
|  | 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 For the Year Ended December 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) |  | (932) |  | (126) |  | (28) |  | (1,105)
Recoveries |  | 37 |  | 42 |  | 137 |  | - |  | 216
Provision |  | 10 |  | 672 |  | (133) |  | (9) |  | 540
Ending Balance |  | $ 1,015 |  | $ 2,631 |  | $ 935 |  | $ 605 |  | $ 5,186
Ending Balance: Individually evaluated for impairment |  | $ 406 |  | $ 294 |  | $ 40 |  | $ 224 |  | $ 964
Ending Balance: Collectively evaluated for impairment |  | 609 |  | 2,337 |  | 895 |  | 381 |  | 4,222
Totals: |  | $ 1,015 |  | $ 2,631 |  | $ 935 |  | $ 605 |  | $ 5,186
Financing Receivables: |  |  |  |  |  |  |  |  |  |
Ending Balance: Individually evaluated for impairment |  | $ 3,838 |  | $ 4,933 |  | $ 61 |  | $ 2,154 |  | $ 10,986
Ending Balance: Collectively evaluated for impairment |  | 51,965 |  | 167,184 |  | 71,104 |  | 43,941 |  | 334,194
Totals: |  | $ 55,803 |  | $ 172,117 |  | $ 71,165 |  | $ 46,095 |  | $ 345,180
Note 5 - Loans and allowance for loan losses (continued) 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
Age Analysis Of Past Due Financing Receivables |
Age Analysis of Past Due Financing Receivables as of December 31, 2013
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 | $ 389 | $ - | $ 1,586 | $ 1,975 | $ 53,828 | $ 55,803 | $ -
Commercial Real Estate: |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied | 1,099 | - | 409 | 1,508 | 63,813 | 65,321 | -
Commercial Mortgages-Non-Owner Occupied | 96 | - | 85 | 181 | 94,542 | 94,723 | -
Commercial Construction | - | - | 375 | 375 | 11,698 | 12,073 | -
Consumer: |  |  |  |  |  |  |
Consumer Unsecured | 5 | - | - | 5 | 4,717 | 4,722 | -
Consumer Secured | 71 | - | 33 | 104 | 66,339 | 66,443 | -
Residential: |  |  |  |  |  |  |
Residential Mortgages | 704 | - | 183 | 887 | 39,909 | 40,796 | -
Residential Consumer Construction | - | 95 | - | 95 | 5,204 | 5,299 | -
Total | $ 2,364 | $ 95 | $ 2,671 | $ 5,130 | $ 340,050 | $ 345,180 | $ -
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 | $ -
Credit Quality Information | Credit Loss Disclosures Credit Quality Information - by Class December 31, 2013
2013 | Pass | Monitor | Special | Substandard | Doubtful | Totals
|  |  | Mention |  |  |
Commercial | $ 48,827 | $ 2,109 | $ 979 | $ 3,888 | $ - | $ 55,803
Commercial Real Estate: |  |  |  |  |  |
Commercial Mortgages-Owner Occupied | 58,740 | 2,355 | 1,356 | 2,870 | - | 65,321
Commercial Mortgages-Non-Owner Occupied | 85,474 | 2,737 | 5,468 | 1,044 | - | 94,723
Commercial Construction | 11,455 | - | - | 618 | - | 12,073
Consumer |  |  |  |  |  |
Consumer Unsecured | 4,721 | - | - | 1 | - | 4,722
Consumer Secured | 65,056 | 814 | 283 | 290 | - | 66,443
Residential: |  |  |  |  |  |
Residential Mortgages | 36,962 | 786 | 589 | 2,459 | - | 40,796
Residential Consumer Construction | 5,299 | - | - | - | - | 5,299
Totals | $ 316,534 | $ 8,801 | $ 8,675 | $ 11,170 | $ - | $ 345,180
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
Troubled Debt Restructurings | There were no loan modifications that would have been classified as Troubled Debt Restructurings (TDR) during the twelve months ended December 31, 2013. There were no loan modifications classified as TDRs within the last twelve months that defaulted (90 days past due) during the twelve months ended December 31, 2013.
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
The two contracts above were modified in the form of interest rate reductions. After modification, each loan was individually reevaluated for impairment. As a result of the evaluation, it was determined that there was no additional impact to the allowance for loan loss.
For the Year Ended December 31, 2012
Troubled Debt Restructurings That Subsequently Defaulted | Number of Contracts |  | Recorded Investment
Commercial Real Estate | 3 |  | $ 798

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