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Loans, Allowance For Loan Losses And OREO (Tables)

9 Months Ended

Sep. 30, 2014

Loans, Allowance For Loan Losses And OREO [Abstract]

Summary Of Loans, Net

	As of:
	September 30,		December 31,
	2014		2013
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, 2013
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, 2014
Balance 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, 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 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, 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
	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, 2014
		(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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