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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

Loans 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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