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Allowance For Loan Losses (Tables) | 6 Months Ended
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Jun. 30, 2012
Allowance for Loan Losses [Abstract] |
Rollforward of the allowance for loan losses by portfolio segment |
|  | Balance at March 31, 2012 |  |  | Charge- Offs |  |  | Recoveries |  |  | Provision (Credit) |  |  | Balance at June 30, 2012 |
Commercial |  | $ | 2,483 |  |  | $ | — |  |  | $ | 90 |  |  | $ | (221 | ) |  | $ | 2,352 |
Commercial loans secured by real estate |  |  | 8,555 |  |  |  | (31 | ) |  |  | 170 |  |  |  | (316 | ) |  |  | 8,378 |
Real estate- mortgage |  |  | 1,250 |  |  |  | (99 | ) |  |  | 5 |  |  |  | 50 |  |  |  | 1,206 |
Consumer |  |  | 166 |  |  |  | (107 | ) |  |  | 11 |  |  |  | 85 |  |  |  | 155 |
Allocation for general risk |  |  | 1,324 |  |  |  | — |  |  |  | — |  |  |  | (98 | ) |  |  | 1,226 |
Total |  | $ | 13,778 |  |  | $ | (237 | ) |  | $ | 276 |  |  | $ | (500 | ) |  | $ | 13,317 |
|  | Balance at March 31, 2011 |  |  | Charge- Offs |  |  | Recoveries |  |  | Provision (Credit) |  |  | Balance at June 30, 2011 |
Commercial |  | $ | 5,687 |  |  | $ | (243 | ) |  | $ | 364 |  |  | $ | (1,254 | ) |  | $ | 4,554 |
Commercial loans secured by real estate |  |  | 9,108 |  |  |  | — |  |  |  | 65 |  |  |  | 54 |  |  |  | 9,227 |
Real estate- mortgage |  |  | 1,250 |  |  |  | (29 | ) |  |  | 2 |  |  |  | 71 |  |  |  | 1,294 |
Consumer |  |  | 198 |  |  |  | (77 | ) |  |  | 26 |  |  |  | 46 |  |  |  | 193 |
Allocation for general risk |  |  | 1,782 |  |  |  | — |  |  |  | — |  |  |  | (92 | ) |  |  | 1,690 |
Total |  | $ | 18,025 |  |  | $ | (349 | ) |  | $ | 457 |  |  | $ | (1,175 | ) |  | $ | 16,958 |
|  | Balance at December 31, 2011 |  |  | Charge- Offs |  |  | Recoveries |  |  | Provision (Credit) |  |  | Balance at June 30, 2012 |
Commercial |  | $ | 2,365 |  |  | $ | (99 | ) |  | $ | 112 |  |  | $ | (26 | ) |  | $ | 2,352 |
Commercial loans secured by real estate |  |  | 9,400 |  |  |  | (172 | ) |  |  | 200 |  |  |  | (1,050 | ) |  |  | 8,378 |
Real estate- mortgage |  |  | 1,270 |  |  |  | (139 | ) |  |  | 29 |  |  |  | 46 |  |  |  | 1,206 |
Consumer |  |  | 174 |  |  |  | (134 | ) |  |  | 22 |  |  |  | 93 |  |  |  | 155 |
Allocation for general risk |  |  | 1,414 |  |  |  | — |  |  |  | — |  |  |  | (188 | ) |  |  | 1,226 |
Total |  | $ | 14,623 |  |  | $ | (544 | ) |  | $ | 363 |  |  | $ | (1,125 | ) |  | $ | 13,317 |
|  | Balance at December 31, 2010 |  |  | Charge- Offs |  |  | Recoveries |  |  | Provision (Credit) |  |  | Balance at June 30, 2011 |
Commercial |  | $ | 3,851 |  |  | $ | (942 | ) |  | $ | 524 |  |  | $ | 1,121 |  |  | $ | 4,554 |
Commercial loans secured by real estate |  |  | 12,717 |  |  |  | (638 | ) |  |  | 66 |  |  |  | (2,918 | ) |  |  | 9,227 |
Real estate- mortgage |  |  | 1,117 |  |  |  | (40 | ) |  |  | 26 |  |  |  | 191 |  |  |  | 1,294 |
Consumer |  |  | 206 |  |  |  | (110 | ) |  |  | 82 |  |  |  | 15 |  |  |  | 193 |
Allocation for general risk |  |  | 1,874 |  |  |  | — |  |  |  | — |  |  |  | (184 | ) |  |  | 1,690 |
Total |  | $ | 19,765 |  |  | $ | (1,730 | ) |  | $ | 698 |  |  | $ | (1,775 | ) |  | $ | 16,958 |
Summary of Primary Segments of Loan Portfolio |
|  | At June 30, 2012 |
|  | Commercial |  |  | Commercial Loans Secured by Real Estate |  |  | Real Estate- Mortgage |  |  | Consumer |  |  | Total |
Individually evaluated for impairment |  | $ | — |  |  | $ | 3,053 |  |  | $ | — |  |  | $ | — |  |  | $ | 3,053 |
Collectively evaluated for impairment |  |  | 95,444 |  |  |  | 354,757 |  |  |  | 214,110 |  |  |  | 17,442 |  |  |  | 681,753 |
Total loans |  | $ | 95,444 |  |  | $ | 357,810 |  |  | $ | 214,110 |  |  | $ | 17,442 |  |  | $ | 684,806 |
|  | At June 30, 2012 |
|  | Commercial |  |  | Commercial Loans Secured by Real Estate |  |  | Real Estate- Mortgage |  |  | Consumer |  |  | Allocation for General Risk |  |  | Total |
Specific reserve allocation |  | $ | — |  |  | $ | 891 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 891 |
General reserve allocation |  |  | 2,352 |  |  |  | 7,487 |  |  |  | 1,206 |  |  |  | 155 |  |  |  | 1,226 |  |  |  | 12,426 |
Total allowance for loan losses |  | $ | 2,352 |  |  | $ | 8,378 |  |  | $ | 1,206 |  |  | $ | 155 |  |  | $ | 1,226 |  |  | $ | 13,317 |
|  | At December 31, 2011 |
|  | Commercial |  |  | Commercial Loans Secured by Real Estate |  |  | Real Estate- Mortgage |  |  | Consumer |  |  | Total |
Individually evaluated for impairment |  | $ | — |  |  | $ | 3,870 |  |  | $ | — |  |  | $ | — |  |  | $ | 3,870 |
Collectively evaluated for impairment |  |  | 83,124 |  |  |  | 345,908 |  |  |  | 212,663 |  |  |  | 18,172 |  |  |  | 659,867 |
Total loans |  | $ | 83,124 |  |  | $ | 349,778 |  |  | $ | 212,663 |  |  | $ | 18,172 |  |  | $ | 663,737 |
|  | At December 31, 2011 |
|  | Commercial |  |  | Commercial Loans Secured by Real Estate |  |  | Real Estate- Mortgage |  |  | Consumer |  |  | Allocation for General Risk |  |  | Total |
Specific reserve allocation |  | $ | — |  |  | $ | 968 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 968 |
General reserve allocation |  |  | 2,365 |  |  |  | 8,432 |  |  |  | 1,270 |  |  |  | 174 |  |  |  | 1,414 |  |  |  | 13,655 |
Total allowance for loan losses |  | $ | 2,365 |  |  | $ | 9,400 |  |  | $ | 1,270 |  |  | $ | 174 |  |  | $ | 1,414 |  |  | $ | 14,623 |
Impaired loans by class |
|  | June 30, 2012 |
|  | Impaired Loans with Specific Allowance |  |  | Impaired Loans with no Specific Allowance |  |  | Total Impaired Loans |
|  | Recorded Investment |  |  | Related Allowance |  |  | Recorded Investment |  |  | Recorded Investment |  |  | Unpaid Principal Balance |
Commercial loans secured by real estate |  | $ | 2,553 |  |  | $ | 891 |  |  | $ | 500 |  |  | $ | 3,053 |  |  | $ | 3,260 |
Total impaired loans |  | $ | 2,553 |  |  | $ | 891 |  |  | $ | 500 |  |  | $ | 3,053 |  |  | $ | 3,260 |
|  | December 31, 2011 |
|  | Impaired Loans with Specific Allowance |  |  | Impaired Loans with no Specific Allowance |  |  | Total Impaired Loans |
|  | Recorded Investment |  |  | Related Allowance |  |  | Recorded Investment |  |  | Recorded Investment |  |  | Unpaid Principal Balance |
Commercial loans secured by real estate |  | $ | 2,836 |  |  | $ | 968 |  |  | $ | 1,034 |  |  | $ | 3,870 |  |  | $ | 4,844 |
Total impaired loans |  | $ | 2,836 |  |  | $ | 968 |  |  | $ | 1,034 |  |  | $ | 3,870 |  |  | $ | 4,844 |
Average recorded investment in impaired loans and related interest income recognized |
|  | Three months ended June 30, |  |  | Six months ended June 30, |
|  | 2012 |  |  | 2011 |  |  | 2012 |  |  | 2011 |
Average loan balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | — |  |  | $ | 1,424 |  |  | $ | 17 |  |  | $ | 2,344 |
Commercial loans secured by real estate |  |  | 3,350 |  |  |  | 4,435 |  |  |  | 3,506 |  |  |  | 6,821 |
Average investment in impaired loans |  | $ | 3,350 |  |  | $ | 5,859 |  |  | $ | 3,523 |  |  | $ | 9,165 |
Interest income recognized: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 20 |
Commercial loans secured by real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 153 |
Interest income recognized on a cash basis on impaired loans |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 173 |
Classes of the loan portfolio summarized by the aggregate pass and the criticized categories of special mention, substandard and doubtful within the internal risk rating system |
|  | June 30, 2012 |
|  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Commercial |  | $ | 95,088 |  |  | $ | 67 |  |  | $ | 289 |  |  | $ | — |  |  | $ | 95,444 |
Commercial loans secured by real estate |  |  | 316,310 |  |  |  | 21,701 |  |  |  | 19,446 |  |  |  | 353 |  |  |  | 357,810 |
Total |  | $ | 411,398 |  |  | $ | 21,768 |  |  | $ | 19,735 |  |  | $ | 353 |  |  | $ | 453,254 |
|  | December 31, 2011 |
|  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Commercial |  | $ | 80,175 |  |  | $ | 2,186 |  |  | $ | 763 |  |  | $ | — |  |  | $ | 83,124 |
Commercial loans secured by real estate |  |  | 305,066 |  |  |  | 28,138 |  |  |  | 16,244 |  |  |  | 330 |  |  |  | 349,778 |
Total |  | $ | 385,241 |  |  | $ | 30,324 |  |  | $ | 17,007 |  |  | $ | 330 |  |  | $ | 432,902 |
Performing and non-performing outstanding balances of the residential and consumer portfolios |
|  | June 30, 2012 |
|  | Performing |  |  | Non-Performing |
Real estate- mortgage |  | $ | 212,437 |  |  | $ | 1,673 |
Consumer |  |  | 17,442 |  |  |  | — |
Total |  | $ | 229,879 |  |  | $ | 1,673 |
|  | December 31, 2011 |
|  | Performing |  |  | Non-Performing |
Real estate- mortgage |  | $ | 211,458 |  |  | $ | 1,205 |
Consumer |  |  | 18,172 |  |  |  | — |
Total |  | $ | 229,630 |  |  | $ | 1,205 |
Classes of the loan portfolio summarized by aging categories of performing loans and nonaccrual loans |
|  | June 30, 2012 |
|  | Current |  |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90 Days Past Due |  |  | Total Past Due |  |  | Total Loans |  |  | 90 Days Past Due and Still Accruing |
Commercial |  | $ | 95,058 |  |  | $ | 386 |  |  | $ | — |  |  | $ | — |  |  | $ | 386 |  |  | $ | 95,444 |  |  | $ | — |
Commercial loans secured by real estate |  |  | 356,850 |  |  |  | — |  |  |  | — |  |  |  | 960 |  |  |  | 960 |  |  |  | 357,810 |  |  |  | — |
Real estate- mortgage |  |  | 211,325 |  |  |  | 2,502 |  |  |  | 223 |  |  |  | 60 |  |  |  | 2,785 |  |  |  | 214,110 |  |  |  | — |
Consumer |  |  | 17,398 |  |  |  | 38 |  |  |  | 6 |  |  |  | — |  |  |  | 44 |  |  |  | 17,442 |  |  |  | — |
Total |  | $ | 680,631 |  |  | $ | 2,926 |  |  | $ | 229 |  |  | $ | 1,020 |  |  | $ | 4,175 |  |  | $ | 684,806 |  |  | $ | — |
|  | December 31, 2011 |
|  | Current |  |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90 Days Past Due |  |  | Total Past Due |  |  | Total Loans |  |  | 90 Days Past Due and Still Accruing |
Commercial |  | $ | 83,124 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 83,124 |  |  | $ | — |
Commercial loans secured by real estate |  |  | 347,671 |  |  |  | 650 |  |  |  | — |  |  |  | 1,457 |  |  |  | 2,107 |  |  |  | 349,778 |  |  |  | — |
Real estate- mortgage |  |  | 209,060 |  |  |  | 2,133 |  |  |  | 629 |  |  |  | 841 |  |  |  | 3,603 |  |  |  | 212,663 |  |  |  | — |
Consumer |  |  | 18,115 |  |  |  | 57 |  |  |  | — |  |  |  | — |  |  |  | 57 |  |  |  | 18,172 |  |  |  | — |
Total |  | $ | 657,970 |  |  | $ | 2,840 |  |  | $ | 629 |  |  | $ | 2,298 |  |  | $ | 5,767 |  |  | $ | 663,737 |  |  | $ | — |

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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953659-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 55 -Paragraph 19 -URI http://asc.fasb.org/extlink&oid=7880640&loc=SL6953803-111525 + Details
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