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Loans, Allowance For Loan Losses and OREO (Tables)

6 Months Ended

Jun. 30, 2015

Loans, Allowance For Loan Losses and OREO [Abstract]

Summary Of Loans, Net

	As of:
	June 30,		December 31,
	2015		2014
Commercial	$ 68,427		$ 63,259
Commercial real estate	215,755		207,262
Consumer	78,675		76,380
Residential	54,154		52,462
Total loans	417,011		399,363
Less allowance for loan losses	4,586		4,790
Net loans	$ 412,425		$ 394,573

Loans On Non-Accrual Status

Loans on Non-Accrual Status
(dollars in thousands)
	As of
	June 30, 2015	December 31, 2014
Commercial	$ 678	$ 1,965
Commercial Real Estate:
Commercial Mortgages-Owner Occupied	-	212
Commercial Mortgages-Non-Owner Occupied	314	70
Commercial Construction	367	460
Consumer
Consumer Unsecured	-	-
Consumer Secured	258	20
Residential:
Residential Mortgages	205	689
Residential Consumer Construction	87	90
Totals	$ 1,909	$ 3,506

Changes In OREO Balance

OREO Changes
(dollars in thousands)
	Six Months ended	Year ended
	June 30, 2015	December 31, 2014
Balance at the beginning of the year (net)	$ 956	$ 1,451
Transfers from loans	1,125	473
Capitalized costs	25	-
Writedowns	(15)	(167)
Sales proceeds	(25)	(780)
(Loss) on disposition	(1)	(21)
Balance at the end of the period (net)	$ 2,065	$ 956

Impaired Loans

		Impaired Loans
		(dollars in thousands)
		As of and For the Six Months Ended June 30, 2015
				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
2015		Investment		Balance		Allowance		Investment		Recognized
With No Related Allowance Recorded:
Commercial		$ 50		$ 53		$      -		$ 1,034		$    -
Commercial Real Estate
Commercial Mortgages-Owner Occupied		3,960		3,960		-		3,398		116
Commercial Mortgage Non-Owner Occupied		1,021		1,021		-		1,050		27
Commercial Construction		27		499		-		244		-
Consumer
Consumer Unsecured		-		-		-		-		-
Consumer Secured		20		20		-		21		1
Residential
Residential Mortgages		1,588		1,668		-		1,261		62
Residential Consumer Construction		-		-		-		-		-
With An Allowance Recorded:
Commercial		$ 1,197		$ 1,270		$ 499		$ 1,302		$ 16
Commercial Real Estate
Commercial Mortgages-Owner Occupied		1,227		1,227		61		1,040		30
Commercial Mortgage Non-Owner Occupied		497		550		81		312		14
Commercial Construction		340		677		78		170		-
Consumer
Consumer Unsecured		-		-		-		-		-
Consumer Secured		444		501		233		282		8
Residential
Residential Mortgages		812		956		114		821		24
Residential Consumer Construction		-		-		-		-		-
Totals:
Commercial		$ 1,247		$ 1,323		$ 499		$ 2,336		$ 16
Commercial Real Estate
Commercial Mortgages-Owner Occupied		5,187		5,187		61		4,438		146
Commercial Mortgage Non-Owner Occupied		1,518		1,571		81		1,362		41
Commercial Construction		367		1,176		78		414		-
Consumer
Consumer Unsecured		-		-		-		-		-
Consumer Secured		464		521		233		303		9
Residential
Residential Mortgages		2,400		2,624		114		2,082		86
Residential Consumer Construction		-		-		-		-		-
		$ 11,183		$ 12,402		$ 1,066		$ 10,935		$ 298

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) As of and For the Six Months Ended June 30, 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		(256)		(49)		(155)		-		(460)
Recoveries		4		71		24		-		99
Provision		70		(73)		182		(22)		157
Ending Balance		$ 1,053		$ 2,413		$ 863		$ 527		$ 4,586
Ending Balance: Individually evaluated for impairment		$ 499		$ 220		$ 233		$ 114		$ 1,066
Ending Balance: Collectively evaluated for impairment		554		1,923		630		413		3,520
Totals:		$ 1,053		$ 2,143		$ 863		$ 527		$ 4,586
Loans:
Ending Balance: Individually evaluated for impairment		$ 1,247		$ 7,072		$ 464		$ 2,400		$ 11,183
Ending Balance: Collectively evaluated for impairment		67,180		208,683		78,211		51,754		405,828
Totals:		$ 68,427		$ 215,755		$ 78,675		$ 54,154		$ 417,011

Note 9 – Loans, allowance for loan losses and OREO (continued)

		Allowance for Loan Losses and Recorded Investment in Loans (dollars in thousands) As of and 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
	June 30, 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	$ 230	$ 10	$ 678	$ 918	$ 67,509	$ 68,427	$     -
Commercial Real Estate:
Commercial Mortgages-   Owner Occupied	776	846	-	1,622	76,726	78,348	-
Commercial Mortgages-Non-Owner Occupied	196	80	135	411	123,129	123,540	-
Commercial Construction	-	-	367	367	13,500	13,867	-
Consumer:
Consumer Unsecured	3	4	-	7	5,415	5,422	-
Consumer Secured	364	130	230	724	72,529	73,253	-
Residential:
Residential Mortgages	240	-	205	445	45,981	46,426	-
Residential Consumer Construction	231	-	-	231	7,497	7,728	-
Total	$ 2,040	$ 1,070	$ 1,615	$ 4,725	$ 412,286	$ 417,011	$  -

	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
		June 30, 2015
		(dollars in thousands)
2015		Pass	Monitor	Special	Substandard	Doubtful	Totals
				Mention
Commercial		$ 65,676	$ 130	$ 1,357	$ 1,264	$   -	$ 68,427
Commercial Real Estate:
Commercial Mortgages-Owner Occupied		69,293	1,378	2,406	5,271	-	78,348
Commercial Mortgages-Non Owner Occupied		116,099	1,984	4,023	1,434	-	123,540
Commercial Construction		13,500	-	-	367	-	13,867
Consumer
Consumer Unsecured		5,422	-	-	-	-	5,422
Consumer Secured		72,080	297	127	749	-	73,253
Residential:
Residential Mortgages		43,790	-	92	2,544	-	46,426
Residential Consumer Construction		7,641	-	-	87	-	7,728
Totals		$ 393,501	$ 3,789	$ 8,005	$ 11,716	$    -	$ 417,011

		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

Loan modifcations classified as TDR's

For the Three Months Ended June 30, 2015 (dollars in thousands)
Troubled Debt Restructurings During the Period		Number of Contracts		Pre-Modification Outstanding Recorded Investment		Pre-Modification Outstanding Recorded Investment
Commercial Real Estate		2		$ 454		$ 454
For the Six Months Ended June 30, 2015 (dollars in thousands)
Troubled Debt Restructurings During the Period		Number of Contracts		Pre-Modification Outstanding Recorded Investment		Pre-Modification Outstanding Recorded Investment
Commercial		1		$ 20		$ 20
Commercial Real Estate		2		$ 454		$ 454

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