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Loans, Allowance For Loan Losses And OREO (Tables) | 9 Months Ended
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Sep. 30, 2014
Loans, Allowance For Loan Losses And OREO [Abstract] |
Summary Of Loans, Net |
| As of:
| September 30, |  | December 31,
| 2014 |  | 201 3
Commercial | $ 65,050 |  | $ 55,803
Commercial real estate | 190,675 |  | 172,117
Consumer | 72,528 |  | 71,165
Residential | 50,011 |  | 46,095
Total loans | 378,264 |  | 345,180
Less allowance for loan losses | 4,874 |  | 5,186
Net loans | $ 373,390 |  | $ 339,994
Financing Receivables On Non-Accrual Status |
Financing Receivables on Non-Accrual Status
(dollars in thousands)
| As of
| September 30, 2014 | December 31, 201 3
Commercial | $ 2,116 | $ 1,585
Commercial Real Estate:
Commercial Mortgages-Owner Occupied | 212 | 537
Commercial Mortgages-Non-Owner Occupied | 72 | 353
Commercial Construction | 460 | 375
Consumer |  |
Consumer Unsecured | - | -
Consumer Secured | - | 33
Residential: |
Residential Mortgages | 312 | 183
Residential Consumer Construction | 91 | -
Totals | $ 3,263 | $ 3,066
Changes In OREO Balance |
OREO Changes
(dollars in thousands)
| Nine Months ended
| September 30, 201 4
Bala nce at the beginning of the year (net) | $ 1,451
Transfers from loans | 459
Capitalized costs | -
Writedowns | (178)
Sales proceeds | (573)
Gain on disposition | 1
Balance at the end of the period (net) | $ 1,160
Impaired Loans |
|  | Impaired Loans
|  | (dollars in thousands)
|  | As of and For the Nine Months Ended September 30, 2014
|  |  |  | Unpaid |  |  |  | Average |  | Interest
|  | Recorded |  | Principal |  | Related |  | Recorded |  | Income
2014 |  | Investment |  | Balance |  | Allowance |  | Investment |  | Recognized
With No Related Allowance Recorded: |  |  |  |  |  |  |  |  |  |
Commercial |  | $2,558 |  | $ 2,798 |  | $ - |  | $ 2,912 |  | $ 68
Commercial Real Estate |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 2,300 |  | 2,350 |  | - |  | 1,420 |  | 110
Commercial Mortgage Non-Owner Occupied |  | 712 |  | 712 |  | - |  | 858 |  | 32
Commercial Construction |  | 84 |  | 531 |  | - |  | 418 |  | -
Consumer |  |  |  |  |  |  |  |  |  |
Consumer Unsecured |  | - |  | - |  | - |  | - |  | -
Consumer Secured |  | 21 |  | 21 |  | - |  | 21 |  | 1
Residential |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 463 |  | 463 |  | - |  | 467 |  | 47
Residential Consumer Construction |  | - |  | - |  | - |  | - |  | -
With An Allowance Recorded: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ 1,806 |  | $ 2,234 |  | $ 832 |  | $ 1,190 |  | $ 32
Commercial Real Estate |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 1,056 |  | 1,225 |  | 60 |  | 1,738 |  | 45
Commercial Mortgage Non-Owner Occupied |  | 306 |  | 306 |  | 33 |  | 263 |  | 12
Commercial Construction |  | 376 |  | 644 |  | 17 |  | 188 |  | -
Consumer |  |  |  |  |  |  |  |  |  |
Consumer Unsecured |  | - |  | - |  | - |  | - |  | -
Consumer Secured |  | 119 |  | 119 |  | 119 |  | 80 |  | 6
Residential |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 1,497 |  | 1,659 |  | 284 |  | 1,591 |  | 50
Residential Consumer Construction |  | - |  | - |  | - |  | - |  | -
Totals: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ 4,364 |  | $ 5,032 |  | $ 832 |  | $ 4,102 |  | $ 100
Commercial Real Estate |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 3,356 |  | 3,575 |  | 60 |  | 3,158 |  | 155
Commercial Mortgage Non-Owner Occupied |  | 1,018 |  | 1,018 |  | 33 |  | 1,121 |  | 44
Commercial Construction |  | 460 |  | 1,175 |  | 17 |  | 606 |  | -
Consumer |  |  |  |  |  |  |  |  |  |
Consumer Unsecured |  | - |  | - |  | - |  | - |  | -
Consumer Secured |  | 140 |  | 140 |  | 119 |  | 101 |  | 7
Residential |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 1,960 |  | 2,122 |  | 284 |  | 2,058 |  | 97
Residential Consumer Construction |  | - |  | - |  | - |  | - |  | -
|  | $ 11,298 |  | $ 13,062 |  | $ 1,345 |  | $ 11,146 |  | $ 403
Note 9 – Loans, allowance for loan losses and OREO (continued)
|  | Impaired Loans
|  | (dollars in thousands)
|  | As of and 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 Nine Months Ended September 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 |  | (165) |  | (188) |  | (34) |  | (40) |  | (427)
Recoveries |  | 27 |  | 9 |  | 24 |  | - |  | 60
Provision |  | 473 |  | (490) |  | (182) |  | 254 |  | 55
Ending Balance |  | $ 1,350 |  | $ 1,962 |  | $ 743 |  | $ 819 |  | $ 4,874
Ending Balance: Individually evaluated for impairment |  | $ 832 |  | $ 110 |  | $ 119 |  | $ 284 |  | $ 1,345
Ending Balance: Collectively evaluated for impairment |  | 518 |  | 1,852 |  | 624 |  | 535 |  | 3,529
Totals: |  | $ 1,350 |  | $ 1,962 |  | $ 743 |  | $ 819 |  | $ 4,874
Financing Receivables: |  |  |  |  |  |  |  |  |  |
Ending Balance: Individually evaluated for impairment |  | $ 4,364 |  | $ 4,834 |  | $ 140 |  | $ 1,960 |  | $ 11,298
Ending Balance: Collectively evaluated for impairment |  | 60,686 |  | 185,841 |  | 72,388 |  | 48,051 |  | 366,966
Totals: |  | $ 65,050 |  | $ 190,675 |  | $ 72,528 |  | $ 50,011 |  | $ 378,264
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
| September 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 | $ 88 | $ 94 | $ 2,116 | $ 2,298 | $ 62,752 | $ 65,050 | $ -
Commercial Real Estate: |  |  |  |  |  |  |
Commercial Mortgages- Owner Occupied | 646 | 857 | 212 | 1,715 | 68,798 | 70,513 | -
Commercial Mortgages-Non-Owner Occupied | - | 55 | 72 | 127 | 111,078 | 111,205 | -
Commercial Construction | - | - | 460 | 460 | 8,497 | 8,957 | -
Consumer: |  |  |  |  |  |  |
Consumer Unsecured | 32 | - | - | 32 | 4,204 | 4,236 | -
Consumer Secured | 379 | 107 | - | 486 | 67,806 | 68,292 | -
Residential: |  |  |  |  |  |  |
Residential Mortgages | 595 | 657 | 312 | 1,564 | 41,347 | 42,911 | -
Residential Consumer Construction | - | - | - | - | 7,100 | 7,100 | -
Total | $ 1,740 | $ 1,770 | $ 3,172 | $ 6,682 | $ 371,582 | $ 378,264 | $ -
| 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-By Class |
|  | Credit Loss Disclosures
|  | Credit Quality Information - by Class
|  | September 30, 201 4
|  | (dollars in thousands)
2014 |  | Pass | Monitor | Special | Substandard | Doubtful | Totals
|  |  |  | Mention |  |  |
Commercial | $ 59,258 | $ 1,210 | $ 90 | $ 4,492 | $ - | $ 65,050
Commercial Real Estate: |  |  |  |  |
Commercial Mortgages-Owner Occupied | 65,844 | 1,098 | 308 | 3,263 | - | 70,513
Commercial Mortgages-Non Owner Occupied | 104,323 | 1,809 | 4,338 | 735 | - | 111,205
Commercial Construction | 8,073 | 424 | - | 460 | - | 8,957
Consumer |  |  |  |  |  |  |
Consumer Unsecured | 4,236 | - | - | - | - | 4,236
Consumer Secured | 67,260 | 510 | 97 | 425 | - | 68,292
Residential: |  |  |  |  |  |
Residential Mortgages | 39,149 | 776 | 843 | 2,143 | - | 42,911
Residential Consumer Construction | 7,009 | - | - | 91 | - | 7,100
Totals |  | $ 355,152 | $ 5,827 | $ 5,676 | $ 11,609 | $- | $ 378,264
|  | 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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