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Loans, Allowance For Loan Losses And OREO (Tables) | 3 Months Ended
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Mar. 31, 2014
Loans, Allowance For Loan Losses And OREO [Abstract] |
Summary Of Loans, Net |
| As of:
| March 31, |  | December 31,
| 2014 |  | 201 3
Commercial | $ 58,951 |  | $ 55,803
Commercial real estate | 178,352 |  | 172,117
Consumer | 71,651 |  | 71,165
Residential | 45,463 |  | 46,095
Total loans | 354,417 |  | 345,180
Less allowance for loan losses | 5,261 |  | 5,186
Net loans | $ 349,156 |  | $ 339,994
Financing Receivables On Non-Accrual Status |
Financing Receivables on Non-Accrual Status
(dollars in thousands)
| As of
| March 31, 2014 | December 31, 201 3
Com mercial | $ 1,941 | $ 1,585
Commercial Real Estate:
Commercial Mortgages-Owner Occupied | 323 | 537
Commercial Mortgages-Non-Owner Occupied | 83 | 353
Commercial Construction | 460 | 375
Consumer |  |
Consumer Unsecured | - | -
Consumer Secured | 123 | 33
Residential: |
Residential Mortgages | 377 | 183
Residential Consumer Construction | - | -
Totals | $ 3,307 | $ 3,066
Changes In OREO Balance |
OREO Changes
(dollars in thousands)
| Three Months ended
| March 31, 201 4
Bala nce at the beginning of the year (net) | $ 1,451
Transfers from loans | 384
Capitalized costs | -
Writedowns | (46)
Sales proceeds | (78)
Gain on disposition | 3
Balance at the end of the period (net) | $ 1,714
Impaired Loans |
|  | Impaired Loans
|  | (dollars in thousands)
|  | For the Three Months Ended March 31, 2014
|  |  |  | Unpaid |  |  |  | Average |  | Interest
|  | Recorded |  | Principal |  | Related |  | Recorded |  | Income
2014 |  | Investment |  | Balance |  | Allowance |  | Investment |  | Recognized
With No Related Allowance Recorded: |  |  |  |  |  |  |  |  |  |
Commercial |  | $3,987 |  | $ 4,456 |  | $ - |  | $ 3,626 |  | $ 35
Commercial Real Estate |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 749 |  | 807 |  | - |  | 644 |  | 11
Commercial Mortgage Non-Owner Occupied |  | 598 |  | 598 |  | - |  | 801 |  | 8
Commercial Construction |  | 460 |  | 1,135 |  | - |  | 606 |  | -
Consumer |  |  |  |  |  |  |  |  |  |
Consumer Unsecured |  | - |  | - |  | - |  | - |  | -
Consumer Secured |  | 21 |  | 21 |  | - |  | 21 |  | -
Residential |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 330 |  | 330 |  | - |  | 400 |  | 3
Residential Consumer Construction |  | - |  | - |  | - |  | - |  | -
With An Allowance Recorded: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ 921 |  | $ 929 |  | $ 482 |  | $ 747 |  | $ 11
Commercial Real Estate |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 1,826 |  | 2,027 |  | 308 |  | 2,123 |  | 25
Commercial Mortgage Non-Owner Occupied |  | 218 |  | 218 |  | 12 |  | 219 |  | 3
Commercial Construction |  | - |  | - |  | - |  | - |  | -
Consumer |  |  |  |  |  |  |  |  |  |
Consumer Unsecured |  | - |  | - |  | - |  | - |  | -
Consumer Secured |  | 40 |  | 40 |  | 40 |  | 40 |  | 1
Residential |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 2,129 |  | 2,277 |  | 252 |  | 1,907 |  | 26
Residential Consumer Construction |  | - |  | - |  | - |  | - |  | -
Totals: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ 4,908 |  | $ 5,385 |  | $ 482 |  | $ 4,373 |  | $ 46
Commercial Real Estate |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 2,575 |  | 2,834 |  | 308 |  | 2,767 |  | 36
Commercial Mortgage Non-Owner Occupied |  | 816 |  | 816 |  | 12 |  | 1,020 |  | 11
Commercial Construction |  | 460 |  | 1,135 |  | - |  | 606 |  | -
Consumer |  |  |  |  |  |  |  |  |  |
Consumer Unsecured |  | - |  | - |  | - |  | - |  | -
Consumer Secured |  | 61 |  | 61 |  | 40 |  | 61 |  | 1
Residential |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 2,459 |  | 2,607 |  | 252 |  | 2,307 |  | 29
Residential Consumer Construction |  | - |  | - |  | - |  | - |  | -
|  | $ 11,279 |  | $ 12,838 |  | $ 1,094 |  | $ 11,134 |  | $ 123
Note 9 – Loans, allowance for loan losses and OREO (continued)
|  | Impaired Loans
|  | (dollars in thousands)
|  | For the Year Ended December 31, 201 3
|  |  |  | 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
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, 2014
|  |  |  | Commercial |  |  |  |  |  |
2014 |  | Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
Allowance for Credit Losses: |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ 1,015 |  | $ 2,631 |  | $ 935 |  | $ 605 |  | $ 5,186
Charge-offs |  | - |  | - |  | (4) |  | - |  | (4)
Recoveries |  | 10 |  | 7 |  | - |  | 7 |  | 24
Provision |  | 87 |  | 93 |  | (117) | (1) | (8) |  | 55
Ending Balance |  | 1,112 |  | 2,731 |  | 814 |  | 604 |  | 5,261
Ending Balance: Individually evaluated for impairment |  | $ 482 |  | $ 320 |  | $ 40 |  | $ 252 |  | $ 1,094
Ending Balance: Collectively evaluated for impairment |  | 630 |  | 2,411 |  | 774 |  | 352 |  | 4,167
Totals: |  | $ 1,112 |  | $ 2,731 |  | $ 814 |  | $ 604 |  | $ 5,261
Financing Receivables: |  |  |  |  |  |  |  |  |  |
Ending Balance: Individually evaluated for impairment |  | $ 4,908 |  | $ 3,851 |  | $ 61 |  | $ 2,459 |  | $ 11,279
Ending Balance: Collectively evaluated for impairment |  | 54,043 |  | 174,501 |  | 71,590 |  | 43,004 |  | 343,138
Totals: |  | $ 58,951 |  | $ 178,352 |  | $ 71,651 |  | $ 45,463 |  | $ 354,417
| (1) |  | The experience within the historical charge-off period used to calculate the allowance has improved which reduced the need for a provision relating to this segment.
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, 201 3
|  |  |  | 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
Age Analysis Of Past Due Financing Receivables |
| Age Analysis of Past Due Financing Receivables as of
| March 31, 2014
| (dollars in thousands)
|  |  | Greater |  |  | Total | Recorded Investment
| 30-59 Days | 60-89 Days | than | Total Past |  | Financing | > 90 Days &
2014 | Past Due | Past Due | 90 Days | Due | Current | Receivables | Accruing
Commercial | $ 623 | $ 22 | $ 1,941 | $ 2,586 | $ 56,365 | $ 58,951 | $ -
Commercial Real Estate: |  |  |  |  |  |  |
Commercial Mortgages- Owner Occupied | 1,081 | - | 323 | 1,404 | 66,970 | 68,374 | -
Commercial Mortgages-Non-Owner Occupied | 404 | - | 83 | 487 | 99,575 | 100,062 | -
Commercial Construction | - | - | 460 | 460 | 9,456 | 9,916 | -
Consumer: |  |  |  |  |  |  |
Consumer Unsecured | 5 | - | - | 5 | 3,572 | 3,577 | -
Consumer Secured | 17 | 17 | 100 | 134 | 67,940 | 68,074 | -
Residential: |  |  |  |  |  |  |
Residential Mortgages | 154 | 366 | 410 | 930 | 39,554 | 40,484 | -
Residential Consumer Construction | - | 95 | - | 95 | 4,884 | 4,979 | -
Total | $ 2,284 | $ 500 | $ 3,317 | $ 6,101 | $ 348,316 | $ 354,417 | $ -
| Age Analysis of Past Due Financing Receivables as of
| December 31, 201 3
| (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 | $ 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 | $ -
Credit Quality Information |
|  | Credit Loss Disclosures
|  | Credit Quality Information - by Class
|  | March 31, 201 4
|  | (dollars in thousands)
2014 |  | Pass | Monitor | Special | Substandard | Doubtful | Totals
|  |  |  | Mention |  |  |
Commercial | $ 51,567 | $ 1,549 | $ 878 | $ 4,957 | $ - | $ 58,951
Commercial Real Estate: |  |  |  |  |
Commercial Mortgages-Owner Occupied | 62,857 | 1,674 | 1,343 | 2,500 | - | 68,374
Commercial Mortgages-Non Owner Occupied | 92,143 | 1,988 | 5,294 | 637 | - | 100,062
Commercial Construction | 9,032 | 424 | - | 460 | - | 9,916
Consumer |  |  |  |  |  |  |
Consumer Unsecured | 3,576 | - | - | 1 | - | 3,577
Consumer Secured | 66,653 | 703 | 340 | 378 | - | 68,074
Residential: |  |  |  |  |  |
Residential Mortgages | 36,402 | 783 | 587 | 2,712 | - | 40,484
Residential Consumer Construction | 4,979 | - | - | - | - | 4,979
Totals |  | $ 327,209 | $ 7,121 | $ 8,442 | $ 11,645 | $- | $ 354,417
|  | Credit Loss Disclosures
|  | Credit Quality Information - by Class
|  | December 31, 201 3
|  | (dollars in thousands)
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

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