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Loans And Allowance For Loan Losses (Tables)

12 Months Ended

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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