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Loans, Allowance For Loan Losses and OREO (Tables) | 3 Months Ended
--- | ---
Mar. 31, 2015
Loans, Allowance For Loan Losses and OREO [Abstract] |
Summary Of Loans, Net |
| As of:
| March 31, |  | December 31,
| 2015 |  | 2014
Commercial | $ 63,396 |  | $ 63,259
Commercial real estate | 214,426 |  | 207,262
Consumer | 77,724 |  | 76,380
Residential | 52,772 |  | 52,462
Total loans | 408,318 |  | 399,363
Less allowance for loan losses | 4,746 |  | 4,790
Net loans | $ 403,572 |  | $ 394,573
Loans On Non-Accrual Status |
Loan s on Non-Accrual Status
(dollars in thousands)
| As of
| March 31, 2015 | December 31, 2014
Commercial | $ 679 | $ 1,965
Commercial Real Estate:
Commercial Mortgages-Owner Occupied | - | 212
Commercial Mortgages-Non-Owner Occupied | 137 | 70
Commercial Construction | 460 | 460
Consumer |  |
Consumer Unsecured | - | -
Consumer Secured | 19 | 20
Residential: |
Residential Mortgages | 718 | 689
Residential Consumer Construction | 89 | 90
Totals | $ 2,102 | $ 3,506
Changes In OREO Balance |
OREO Changes |
(dollars in thousands) |
| Three Months ended | Year ended
| March 31, 2015 | December 31, 2014
Balance at the beginning of the year (net) | $ 956 | $ 1,451
Transfers from loans | 1,125 | 473
Capitalized costs | - | -
Writedowns | - | (167)
Sales proceeds | - | (780)
(Loss) on disposition | - | (21)
Balance at the end of the period (net) | $ 2,081 | $ 956
Impaired Loans |
|  | Impaired Loans
|  | (dollars in thousands)
|  | As of and For the Three Months Ended March 31, 2015
|  |  |  | Unpaid |  |  |  | Average |  | Interest
|  | Recorded |  | Principal |  | Related |  | Recorded |  | Income
2015 |  | Investment |  | Balance |  | Allowance |  | Investment |  | Recognized
With No Related Allowance Recorded: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ 50 |  | $ 463 |  | $ - |  | $ 1,034 |  | $ -
Commercial Real Estate |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 2,803 |  | 2,803 |  | - |  | 2,819 |  | 41
Commercial Mortgage Non-Owner Occupied |  | 1,030 |  | 1,030 |  | - |  | 1,054 |  | 13
Commercial Construction |  | 84 |  | 548 |  | - |  | 272 |  | -
Consumer |  |  |  |  |  |  |  |  |  |
Consumer Unsecured |  | - |  | - |  | - |  | - |  | -
Consumer Secured |  | 129 |  | 129 |  | - |  | 75 |  | 1
Residential |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 922 |  | 1,049 |  | - |  | 928 |  | 18
Residential Consumer Construction |  | - |  | - |  | - |  | - |  | -
With An Allowance Recorded: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ 1,027 |  | $ 1,085 |  | $ 435 |  | $ 1,217 |  | $ 7
Commercial Real Estate |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 639 |  | 639 |  | 40 |  | 746 |  | 7
Commercial Mortgage Non-Owner Occupied |  | 498 |  | 549 |  | 83 |  | 312 |  | 7
Commercial Construction |  | 376 |  | 666 |  | 91 |  | 188 |  | -
Consumer |  |  |  |  |  |  |  |  |  |
Consumer Unsecured |  | - |  | - |  | - |  | - |  | -
Consumer Secured |  | 119 |  | 119 |  | 119 |  | 119 |  | 2
Residential |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 821 |  | 961 |  | 123 |  | 825 |  | 11
Residential Consumer Construction |  | - |  | - |  | - |  | - |  | -
Totals: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ 1,077 |  | $ 1,548 |  | $ 435 |  | $ 2,251 |  | $ 7
Commercial Real Estate |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 3,442 |  | 3,442 |  | 40 |  | 3,565 |  | 48
Commercial Mortgage Non-Owner Occupied |  | 1,528 |  | 1,579 |  | 83 |  | 1,366 |  | 20
Commercial Construction |  | 460 |  | 1,214 |  | 91 |  | 460 |  | -
Consumer |  |  |  |  |  |  |  |  |  |
Consumer Unsecured |  | - |  | - |  | - |  | - |  | -
Consumer Secured |  | 248 |  | 248 |  | 119 |  | 194 |  | 3
Residential |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 1,743 |  | 2,010 |  | 123 |  | 1,753 |  | 29
Residential Consumer Construction |  | - |  | - |  | - |  | - |  | -
|  | $ 8,498 |  | $ 10,041 |  | $ 891 |  | $ 9,589 |  | $ 107
Note 9 – Loans, allowance for loan losses and OREO (continued)
|  | Impaired Loans
|  | (dollars in thousands)
|  | As of and For the Year Ended December 31, 2014
|  |  |  | Unpaid |  |  |  | Average |  | Interest
|  | Recorded |  | Principal |  | Related |  | Recorded |  | Income
2014 |  | Investment |  | Balance |  | Allowance |  | Investment |  | Recognized
With No Related Allowance Recorded: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ 2,017 |  | $ 2,280 |  | $ - |  | $ 2,641 |  | $ 63
Commercial Real Estate |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 2,835 |  | 2,835 |  | - |  | 1,687 |  | 152
Commercial Mortgage Non-Owner Occupied |  | 1,078 |  | 1,128 |  | - |  | 1,041 |  | 75
Commercial Construction |  | 460 |  | 1,194 |  | - |  | 606 |  | -
Consumer |  |  |  |  |  |  |  |  |  |
Consumer Unsecured |  | - |  | - |  | - |  | - |  | -
Consumer Secured |  | 21 |  | 21 |  | - |  | 21 |  | 1
Residential |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 934 |  | 1,058 |  | - |  | 702 |  | 58
Residential Consumer Construction |  | - |  | - |  | - |  | - |  | -
With An Allowance Recorded: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ 1,406 |  | $ 1,861 |  | $ 713 |  | $ 990 |  | $ 29
Commercial Real Estate |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 852 |  | 1,029 |  | 63 |  | 1,636 |  | 36
Commercial Mortgage Non-Owner Occupied |  | 126 |  | 126 |  | 32 |  | 173 |  | 7
Commercial Construction |  | - |  | - |  | - |  | - |  | -
Consumer |  |  |  |  |  |  |  |  |  |
Consumer Unsecured |  | - |  | - |  | - |  | - |  | -
Consumer Secured |  | 119 |  | 119 |  | 119 |  | 80 |  | 7
Residential |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 829 |  | 968 |  | 131 |  | 1,257 |  | 52
Residential Consumer Construction |  | - |  | - |  | - |  | - |  | -
Totals: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ 3,423 |  | $ 4,141 |  | $ 713 |  | $ 3,631 |  | $ 92
Commercial Real Estate |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 3,687 |  | 3,864 |  | 63 |  | 3,323 |  | 188
Commercial Mortgage Non-Owner Occupied |  | 1,204 |  | 1,254 |  | 32 |  | 1,214 |  | 82
Commercial Construction |  | 460 |  | 1,194 |  | - |  | 606 |  | -
Consumer |  |  |  |  |  |  |  |  |  |
Consumer Unsecured |  | - |  | - |  | - |  | - |  | -
Consumer Secured |  | 140 |  | 140 |  | 119 |  | 101 |  | 8
Residential |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 1,763 |  | 2,026 |  | 131 |  | 1,959 |  | 110
Residential Consumer Construction |  | - |  | - |  | - |  | - |  | -
|  | $ 10,677 |  | $ 12,619 |  | $ 1,058 |  | $ 10,834 |  | $ 480
Allowance For Loan Losses And Recorded Investment In Loans |
|  | Allowance for Loan Losses and Recorded Investment in Loans (dollars in thousands) For the Three Months Ended March 31, 2015
|  |  |  | Commercial |  |  |  |  |  |
2015 |  | Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
Allowance for Loan Losses: |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ 1,235 |  | $ 2,194 |  | $ 812 |  | $ 549 |  | $ 4,790
Charge-offs |  | (80) |  | (14) |  | (107) |  | - |  | (201)
Recoveries |  | 2 |  | 43 |  | 12 |  | - |  | 57
Provision |  | (150) |  | 190 |  | 59 |  | 1 |  | 100
Ending Balance |  | $ 1,007 |  | $ 2,413 |  | $ 776 |  | $ 550 |  | $ 4,746
Ending Balance: Individually evaluated for impairment |  | $ 435 |  | $ 214 |  | $ 119 |  | $ 123 |  | $ 891
Ending Balance: Collectively evaluated for impairment |  | 572 |  | 2,199 |  | 657 |  | 427 |  | 3,855
Totals: |  | $ 1,007 |  | $ 2,413 |  | $ 776 |  | $ 550 |  | $ 4,746
Loans: |  |  |  |  |  |  |  |  |  |
Ending Balance: Individually evaluated for impairment |  | $ 1,077 |  | $ 5,430 |  | $ 248 |  | $ 1,743 |  | $ 8,498
Ending Balance: Collectively evaluated for impairment |  | 62,319 |  | 208,996 |  | 77,476 |  | 51,029 |  | 399,820
Totals: |  | $ 63,396 |  | $ 214,426 |  | $ 77,724 |  | $ 52,772 |  | $ 408,318
Note 9 – Loans, allowance for loan losses and OREO (continued)
|  | Allowance for Loan Losses and Recorded Investment in Loans (dollars in thousands) For the Year Ended December 31, 2014
|  |  |  | Commercial |  |  |  |  |  |
2014 |  | Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
Allowance for Loan Losses: |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ 1,015 |  | $ 2,631 |  | $ 935 |  | $ 605 |  | $ 5,186
Charge-offs |  | (165) |  | (187) |  | (79) |  | (120) |  | (551)
Recoveries |  | 51 |  | 10 |  | 39 |  | - |  | 100
Provision |  | 334 |  | (260) |  | (83) |  | 64 |  | 55
Ending Balance |  | $ 1,235 |  | $ 2,194 |  | $ 812 |  | $ 549 |  | $ 4,790
Ending Balance: Individually evaluated for impairment |  | $ 713 |  | $ 95 |  | $ 119 |  | $ 131 |  | $ 1,058
Ending Balance: Collectively evaluated for impairment |  | 522 |  | 2,099 |  | 693 |  | 418 |  | 3,732
Totals: |  | $ 1,235 |  | $ 2,194 |  | $ 812 |  | $ 549 |  | $ 4,790
Loans: |  |  |  |  |  |  |  |  |  |
Ending Balance: Individually evaluated for impairment |  | $ 3,423 |  | $ 5,351 |  | $ 140 |  | $ 1,763 |  | $ 10,677
Ending Balance: Collectively evaluated for impairment |  | 59,836 |  | 201,911 |  | 76,240 |  | 50,699 |  | 388,686
Totals: |  | $ 63,259 |  | $ 207,262 |  | $ 76,380 |  | $ 52,462 |  | $ 399,363
Age Analysis Of Past Due Financing Receivables |
| Age Analysis of Past Due Loans as of
| March 31, 2015
| (dollars in thousands)
|  |  | Greater |  |  |  | Recorded Investment
| 30-59 Days | 60-89 Days | than | Total Past |  | Total | > 90 Days &
2015 | Past Due | Past Due | 90 Days | Due | Current | Loans | Accruing
Commercial | $ 168 | $ - | $ 679 | $ 847 | $ 62,549 | $ 63,396 | $ -
Commercial Real Estate: |  |  |  |  |  |  |
Commercial Mortgages- Owner Occupied | 19 | - | - | 19 | 79,006 | 79,025 | -
Commercial Mortgages-Non-Owner Occupied | 229 | - | 137 | 366 | 121,301 | 121,667 | -
Commercial Construction | - | - | 460 | 460 | 13,274 | 13,734 | -
Consumer: |  |  |  |  |  |  |
Consumer Unsecured | - | 23 | - | 23 | 5,064 | 5,087 | -
Consumer Secured | 178 | 296 | - | 474 | 72,163 | 72,637 | -
Residential: |  |  |  |  |  |  |
Residential Mortgages | 544 | 209 | 509 | 1,262 | 44,488 | 45,750 | -
Residential Consumer Construction | 89 | - | - | 89 | 6,933 | 7,022 | -
Total | $ 1,227 | $ 528 | $ 1,785 | $ 3,540 | $ 404,778 | $ 408,318 | $ -
| Age Analysis of Past Due Loans as of
| December 31, 2014
| (dollars in thousands)
|  |  | Greater |  |  |  | Recorded Investment
| 30-59 Days | 60-89 Days | than | Total Past |  | Total | > 90 Days &
2014 | Past Due | Past Due | 90 Days | Due | Current | Loans | Accruing
Commercial | $ 21 | $ 80 | $ 1,965 | $ 2,066 | $ 61,193 | $ 63,259 | $ -
Commercial Real Estate: |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied | 192 | - | 212 | 404 | 77,304 | 77,708 | -
Commercial Mortgages-Non-Owner Occupied | 86 | - | 70 | 156 | 119,019 | 119,175 | -
Commercial Construction | - | - | 460 | 460 | 9,919 | 10,379 | -
Consumer: |  |  |  |  |  |  |
Consumer Unsecured | 11 | - | - | 11 | 5,749 | 5,760 | -
Consumer Secured | 15 | - | - | 15 | 70,605 | 70,620 | -
Residential: |  |  |  |  |  |  |
Residential Mortgages | 626 | 48 | 525 | 1,199 | 43,745 | 44,944 | -
Residential Consumer Construction | 29 | - | - | 29 | 7,489 | 7,518 | -
Total | $ 980 | $ 128 | $ 3,232 | $ 4,340 | $ 395,023 | $ 399,363 | $ -
Credit Quality Information-By Class |
|  | Credit Quality Information - by Class
|  | March 31, 2015
|  | (dollars in thousands)
2015 |  | Pass | Monitor | Special | Substandard | Doubtful | Totals
|  |  |  | Mention |  |  |
Commercial | $ 60,888 | $ 676 | $ 737 | $ 1,095 | $ - | $ 63,396
Commercial Real Estate: |  |  |  |  |
Commercial Mortgages-Owner Occupied | 72,558 | 1,732 | 1,209 | 3,526 | - | 79,025
Commercial Mortgages-Non Owner Occupied | 113,064 | 3,095 | 4,059 | 1,449 | - | 121,667
Commercial Construction | 13,274 | - | - | 460 | - | 13,734
Consumer |  |  |  |  |  |  |
Consumer Unsecured | 5,087 | - | - | - | - | 5,087
Consumer Secured | 71,433 | 550 | 127 | 527 | - | 72,637
Residential: |  |  |  |  |  |
Residential Mortgages | 42,500 | 1,252 | 106 | 1,892 | - | 45,750
Residential Consumer Construction | 6,933 | - | - | 89 | - | 7,022
Totals |  | $ 385,737 | $ 7,305 | $ 6,238 | $ 9,038 | $ - | $ 408,318
|  | Credit Quality Information - by Class
|  | December 31, 2014
|  | (dollars in thousands)
2014 |  | Pass | Monitor | Special | Substandard | Doubtful | Totals
|  |  |  | Mention |  |  |
Commercial | $ 58,745 | $ 725 | $ 224 | $ 3,565 | $ - | $ 63,259
Commercial Real Estate: |  |  |  |  |
Commercial Mortgages-Owner Occupied | 71,087 | 1,718 | 1,216 | 3,687 | - | 77,708
Commercial Mortgages-Non Owner Occupied | 112,560 | 1,586 | 3,971 | 1,058 | - | 119,175
Commercial Construction | 9,919 | - | - | 460 | - | 10,379
Consumer |  |  |  |  |  |  |
Consumer Unsecured | 5,673 | - | - | 87 | - | 5,760
Consumer Secured | 69,527 | 554 | 136 | 403 | - | 70,620
Residential: |  |  |  |  |  |
Residential Mortgages | 41,578 | 1,258 | 120 | 1,988 | - | 44,944
Residential Consumer Construction | 7,428 | - | - | 90 | - | 7,518
Totals |  | $ 376,517 | $ 5,841 | $ 5,667 | $ 11,338 | $ - | $ 399,363

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