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Loans, Allowance For Loan Losses And OREO (Tables)

6 Months Ended

Jun. 30, 2014

Loans, Allowance For Loan Losses And OREO [Abstract]

Summary Of Loans, Net

	As of:
	June 30,		December 31,
	2014		2013
Commercial	$ 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, 2013
Commercial	$ 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, 2014
Balance 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, 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

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, 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

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, 2014
		(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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