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Loans, Allowance For Loan Losses And OREO (Tables) | 6 Months Ended
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Jun. 30, 2014
Loans, Allowance For Loan Losses And OREO [Abstract] |
Summary Of Loans, Net |
| As of:
| June 30, |  | December 31,
| 2014 |  | 201 3
Com mercial | $ 62,275 |  | $ 55,803
Commercial real estate | 183,340 |  | 172,117
Consumer | 71,331 |  | 71,165
Residential | 46,682 |  | 46,095
Total loans | 363,628 |  | 345,180
Less allowance for loan losses | 5,177 |  | 5,186
Net loans | $ 358,451 |  | $ 339,994
Financing Receivables On Non-Accrual Status |
Financing Receivables on Non-Accrual Status
(dollars in thousands)
| As of
| June 30, 2014 | December 31, 201 3
Com mercial | $ 1,911 | $ 1,585
Commercial Real Estate:
Commercial Mortgages-Owner Occupied | 91 | 537
Commercial Mortgages-Non-Owner Occupied | 75 | 353
Commercial Construction | 459 | 375
Consumer |  |
Consumer Unsecured | - | -
Consumer Secured | 139 | 33
Residential: |
Residential Mortgages | 385 | 183
Residential Consumer Construction | 93 | -
Totals | $ 3,153 | $ 3,066
Changes In OREO Balance |
OREO Changes
(dollars in thousands)
| Six Months ended
| June 30, 201 4
Bala nce at the beginning of the year (net) | $ 1,451
Transfers from loans | 384
Capitalized costs | -
Writedowns | (143)
Sales proceeds | (365)
Gain on disposition | 2
Balance at the end of the period (net) | $ 1,329
Impaired Loans |
|  | Impaired Loans
|  | (dollars in thousands)
|  | For the Six Months Ended June 30, 2014
|  |  |  | Unpaid |  |  |  | Average |  | Interest
|  | Recorded |  | Principal |  | Related |  | Recorded |  | Income
2014 |  | Investment |  | Balance |  | Allowance |  | Investment |  | Recognized
With No Related Allowance Recorded: |  |  |  |  |  |  |  |  |  |
Commercial |  | $2,271 |  | $ 2,480 |  | $ - |  | $ 2,768 |  | $ 35
Commercial Real Estate |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 1,611 |  | 1,661 |  | - |  | 1,075 |  | 11
Commercial Mortgage Non-Owner Occupied |  | 595 |  | 595 |  | - |  | 799 |  | 8
Commercial Construction |  | 376 |  | 632 |  | - |  | 564 |  | -
Consumer |  |  |  |  |  |  |  |  |  |
Consumer Unsecured |  | - |  | - |  | - |  | - |  | -
Consumer Secured |  | 21 |  | 21 |  | - |  | 21 |  | -
Residential |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 330 |  | 330 |  | - |  | 400 |  | 3
Residential Consumer Construction |  | - |  | - |  | - |  | - |  | -
With An Allowance Recorded: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ 2,591 |  | $ 2,953 |  | $ 985 |  | $ 1,582 |  | $ 11
Commercial Real Estate |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 949 |  | 1,153 |  | 144 |  | 1,685 |  | 25
Commercial Mortgage Non-Owner Occupied |  | 297 |  | 297 |  | 35 |  | 259 |  | 3
Commercial Construction |  | 84 |  | 522 |  | 17 |  | 42 |  | -
Consumer |  |  |  |  |  |  |  |  |  |
Consumer Unsecured |  | - |  | - |  | - |  | - |  | -
Consumer Secured |  | 120 |  | 120 |  | 120 |  | 80 |  | 1
Residential |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 1,343 |  | 1,498 |  | 223 |  | 1,514 |  | 26
Residential Consumer Construction |  | - |  | - |  | - |  | - |  | -
Totals: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ 4,862 |  | $ 5,433 |  | $ 985 |  | $ 4,350 |  | $ 46
Commercial Real Estate |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 2,560 |  | 2,814 |  | 144 |  | 2,760 |  | 36
Commercial Mortgage Non-Owner Occupied |  | 892 |  | 892 |  | 35 |  | 1,058 |  | 11
Commercial Construction |  | 460 |  | 1,154 |  | 17 |  | 606 |  | -
Consumer |  |  |  |  |  |  |  |  |  |
Consumer Unsecured |  | - |  | - |  | - |  | - |  | -
Consumer Secured |  | 141 |  | 141 |  | 120 |  | 101 |  | 1
Residential |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 1,673 |  | 1,828 |  | 223 |  | 1,914 |  | 29
Residential Consumer Construction |  | - |  | - |  | - |  | - |  | -
|  | $ 10,588 |  | $ 12,262 |  | $ 1,524 |  | $ 10,789 |  | $ 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 Six Months Ended June 30, 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 |  | (3) |  | (50) |  | (8) |  | (40) |  | (101)
Recoveries |  | 15 |  | 7 |  | 14 |  | 1 |  | 37
Provision |  | 491 |  | (296) |  | (120) |  | (20) |  | 55
Ending Balance |  | $ 1,518 |  | $ 2,292 |  | $ 821 |  | $ 546 |  | $ 5,177
Ending Balance: Individually evaluated for impairment |  | $ 985 |  | $ 196 |  | $ 120 |  | $ 223 |  | $ 1,524
Ending Balance: Collectively evaluated for impairment |  | 533 |  | 2,096 |  | 701 |  | 323 |  | 3,653
Totals: |  | $ 1,518 |  | $ 2,292 |  | $ 821 |  | $ 546 |  | $ 5,177
Financing Receivables: |  |  |  |  |  |  |  |  |  |
Ending Balance: Individually evaluated for impairment |  | $ 4,862 |  | $ 3,912 |  | $ 141 |  | $ 1,673 |  | $ 10,588
Ending Balance: Collectively evaluated for impairment |  | 57,413 |  | 179,428 |  | 71,190 |  | 45,009 |  | 353,040
Totals: |  | $ 62,275 |  | $ 183,340 |  | $ 71,331 |  | $ 46,682 |  | $ 363,628
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
| June 30, 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 | $ 385 | $ 236 | $ 1,912 | $ 2,533 | $ 59,742 | $ 62,275 | $ -
Commercial Real Estate: |  |  |  |  |  |  |
Commercial Mortgages- Owner Occupied | 1,079 | - | 91 | 1,170 | 70,105 | 71,275 | -
Commercial Mortgages-Non-Owner Occupied | 52 | 55 | 75 | 182 | 99,985 | 100,167 | -
Commercial Construction | - | - | 460 | 460 | 11,438 | 11,898 | -
Consumer: |  |  |  |  |  |  |
Consumer Unsecured | 9 | - | - | 9 | 3,732 | 3,741 | -
Consumer Secured | 47 | 22 | 117 | 186 | 67,404 | 67,590 | -
Residential: |  |  |  |  |  |  |
Residential Mortgages | 615 | 432 | 317 | 1,364 | 40,872 | 42,236 | -
Residential Consumer Construction | - | - | - | - | 4,446 | 4,446 | -
Total | $ 2,187 | $ 745 | $ 2,972 | $ 5,904 | $ 357,724 | $ 363,628 | $ -
| Age Analysis of Past Due Financing Receivables as of
| December 31, 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 | $ 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
|  | June 30, 201 4
|  | (dollars in thousands)
2014 |  | Pass | Monitor | Special | Substandard | Doubtful | Totals
|  |  |  | Mention |  |  |
Commercial | $ 56,181 | $ 578 | $ 587 | $ 4,929 | $ - | $ 62,275
Commercial Real Estate: |  |  |  |  |
Commercial Mortgages-Owner Occupied | 66,548 | 1,026 | 1,234 | 2,467 | - | 71,275
Commercial Mortgages-Non Owner Occupied | 93,410 | 1,624 | 4,429 | 704 | - | 100,167
Commercial Construction | 11,014 | 424 | - | 460 | - | 11,898
Consumer |  |  |  |  |  |  |
Consumer Unsecured | 3,740 | - | - | 1 | - | 3,741
Consumer Secured | 66,427 | 514 | 211 | 438 | - | 67,590
Residential: |  |  |  |  |  |
Residential Mortgages | 38,681 | 779 | 846 | 1,930 | - | 42,236
Residential Consumer Construction | 4,353 | - | - | 93 | - | 4,446
Totals |  | $ 340,354 | $ 4,945 | $ 7,307 | $ 11,022 | $- | $ 363,628
|  | Credit Loss Disclosures
|  | Credit Quality Information - by Class
|  | December 31, 2013
|  | (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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