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Allowance For Loan Losses (Tables)

6 Months Ended

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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Schedule of average recorded investment in impaired loans and related interest income recognized.

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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



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-Publisher FASB

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-Section 50

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Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

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-Publisher FASB

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-URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5111-111524



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