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Allowance For Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2012
Allowance for Loan Losses [Abstract] |
Rollforward of the allowance for loan losses by portfolio segment |
|  | Balance at June 30, 2012 |  |  | Charge- Offs |  |  | Recoveries |  |  | Provision (Credit) |  |  | Balance at September 30, 2012 |
Commercial |  | $ | 2,352 |  |  | $ | (246 | ) |  | $ | 14 |  |  | $ | 277 |  |  | $ | 2,397 |
Commercial loans secured by real estate |  |  | 8,378 |  |  |  | — |  |  |  | 8 |  |  |  | (515 | ) |  |  | 7,871 |
Real estate- mortgage |  |  | 1,206 |  |  |  | (51 | ) |  |  | 9 |  |  |  | 57 |  |  |  | 1,221 |
Consumer |  |  | 155 |  |  |  | (36 | ) |  |  | 14 |  |  |  | 17 |  |  |  | 150 |
Allocation for general risk |  |  | 1,226 |  |  |  | — |  |  |  | — |  |  |  | (36 | ) |  |  | 1,190 |
Total |  | $ | 13,317 |  |  | $ | (333 | ) |  | $ | 45 |  |  | $ | (200 | ) |  | $ | 12,829 |
|  | Balance at June 30, 2011 |  |  | Charge- Offs |  |  | Recoveries |  |  | Provision (Credit) |  |  | Balance at September 30, 2011 |
Commercial |  | $ | 4,554 |  |  | $ | — |  |  | $ | 292 |  |  | $ | (386 | ) |  | $ | 4,460 |
Commercial loans secured by real estate |  |  | 9,227 |  |  |  | (646 | ) |  |  | 10 |  |  |  | (99 | ) |  |  | 8,492 |
Real estate- mortgage |  |  | 1,294 |  |  |  | (5 | ) |  |  | 17 |  |  |  | 31 |  |  |  | 1,337 |
Consumer |  |  | 193 |  |  |  | (42 | ) |  |  | 35 |  |  |  | 10 |  |  |  | 196 |
Allocation for general risk |  |  | 1,690 |  |  |  | — |  |  |  | — |  |  |  | (106 | ) |  |  | 1,584 |
Total |  | $ | 16,958 |  |  | $ | (693 | ) |  | $ | 354 |  |  | $ | (550 | ) |  | $ | 16,069 |
|  | Balance at December 31, 2011 |  |  | Charge- Offs |  |  | Recoveries |  |  | Provision (Credit) |  |  | Balance at September 30, 2012 |
Commercial |  | $ | 2,365 |  |  | $ | (345 | ) |  | $ | 126 |  |  | $ | 251 |  |  | $ | 2,397 |
Commercial loans secured by real estate |  |  | 9,400 |  |  |  | (172 | ) |  |  | 208 |  |  |  | (1,565 | ) |  |  | 7,871 |
Real estate- mortgage |  |  | 1,270 |  |  |  | (190 | ) |  |  | 38 |  |  |  | 103 |  |  |  | 1,221 |
Consumer |  |  | 174 |  |  |  | (170 | ) |  |  | 36 |  |  |  | 110 |  |  |  | 150 |
Allocation for general risk |  |  | 1,414 |  |  |  | — |  |  |  | — |  |  |  | (224 | ) |  |  | 1,190 |
Total |  | $ | 14,623 |  |  | $ | (877 | ) |  | $ | 408 |  |  | $ | (1,325 | ) |  | $ | 12,829 |
|  | Balance at December 31, 2010 |  |  | Charge- Offs |  |  | Recoveries |  |  | Provision (Credit) |  |  | Balance at September 30, 2011 |
Commercial |  | $ | 3,851 |  |  | $ | (942 | ) |  | $ | 816 |  |  | $ | 735 |  |  | $ | 4,460 |
Commercial loans secured by real estate |  |  | 12,717 |  |  |  | (1,284 | ) |  |  | 76 |  |  |  | (3,017 | ) |  |  | 8,492 |
Real estate- mortgage |  |  | 1,117 |  |  |  | (45 | ) |  |  | 43 |  |  |  | 222 |  |  |  | 1,337 |
Consumer |  |  | 206 |  |  |  | (152 | ) |  |  | 117 |  |  |  | 25 |  |  |  | 196 |
Allocation for general risk |  |  | 1,874 |  |  |  | — |  |  |  | — |  |  |  | (290 | ) |  |  | 1,584 |
Total |  | $ | 19,765 |  |  | $ | (2,423 | ) |  | $ | 1,052 |  |  | $ | (2,325 | ) |  | $ | 16,069 |
Summary of primary segments of loan portfolio |
|  | At September 30, 2012 |
|  | Commercial |  |  | Commercial Loans Secured by Real Estate |  |  | Real Estate- Mortgage |  |  | Consumer |  |  | Total |
Individually evaluated for impairment |  | $ | — |  |  | $ | 3,576 |  |  | $ | — |  |  | $ | — |  |  | $ | 3,576 |
Collectively evaluated for impairment |  |  | 107,982 |  |  |  | 355,699 |  |  |  | 215,869 |  |  |  | 16,857 |  |  |  | 696,407 |
Total loans |  | $ | 107,982 |  |  | $ | 359,275 |  |  | $ | 215,869 |  |  | $ | 16,857 |  |  | $ | 699,983 |
|  | At September 30, 2012 |
|  | Commercial |  |  | Commercial Loans Secured by Real Estate |  |  | Real Estate- Mortgage |  |  | Consumer |  |  | Allocation for General Risk |  |  | Total |
Specific reserve allocation |  | $ | — |  |  | $ | 987 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 987 |
General reserve allocation |  |  | 2,397 |  |  |  | 6,884 |  |  |  | 1,221 |  |  |  | 150 |  |  |  | 1,190 |  |  |  | 11,842 |
Total allowance for loan losses |  | $ | 2,397 |  |  | $ | 7,871 |  |  | $ | 1,221 |  |  | $ | 150 |  |  | $ | 1,190 |  |  | $ | 12,829 |
|  | 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 |
|  | September 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 |  | $ | 3,076 |  |  | $ | 987 |  |  | $ | 500 |  |  | $ | 3,576 |  |  | $ | 3,764 |
Total impaired loans |  | $ | 3,076 |  |  | $ | 987 |  |  | $ | 500 |  |  | $ | 3,576 |  |  | $ | 3,764 |
|  | 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 September 30, |  |  | Nine months ended September 30, |
|  | 2012 |  |  | 2011 |  |  | 2012 |  |  | 2011 |
Average loan balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | — |  |  | $ | 24 |  |  | $ | 17 |  |  | $ | 1,571 |
Commercial loans secured by real estate |  |  | 3,576 |  |  |  | 4,313 |  |  |  | 3,680 |  |  |  | 5,985 |
Average investment in impaired loans |  | $ | 3,576 |  |  | $ | 4,337 |  |  | $ | 3,697 |  |  | $ | 7,556 |
Interest income recognized: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 20 |
Commercial loans secured by real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 153 |
Interest income recognized on a cash basis on impaired loans |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 173 |
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system |
|  | September 30, 2012 |
|  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Commercial |  | $ | 107,502 |  |  | $ | 37 |  |  | $ | 443 |  |  | $ | — |  |  | $ | 107,982 |
Commercial loans secured by real estate |  |  | 318,252 |  |  |  | 21,040 |  |  |  | 19,630 |  |  |  | 353 |  |  |  | 359,275 |
Total |  | $ | 425,754 |  |  | $ | 21,077 |  |  | $ | 20,073 |  |  | $ | 353 |  |  | $ | 467,257 |
|  | 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 |
|  | September 30, 2012 |
|  | Performing |  |  | Non-Performing |
Real estate- mortgage |  | $ | 213,825 |  |  | $ | 2,044 |
Consumer |  |  | 16,857 |  |  |  | — |
Total |  | $ | 230,682 |  |  | $ | 2,044 |
|  | 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 |
|  | September 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 |  | $ | 107,757 |  |  | $ | 225 |  |  | $ | — |  |  | $ | — |  |  | $ | 225 |  |  | $ | 107,982 |  |  | $ | — |
Commercial loans secured by real estate |  |  | 357,736 |  |  |  | 579 |  |  |  | — |  |  |  | 960 |  |  |  | 1,539 |  |  |  | 359,275 |  |  |  | — |
Real estate- mortgage |  |  | 213,402 |  |  |  | 1,779 |  |  |  | 606 |  |  |  | 82 |  |  |  | 2,467 |  |  |  | 215,869 |  |  |  | — |
Consumer |  |  | 16,832 |  |  |  | 11 |  |  |  | 14 |  |  |  | — |  |  |  | 25 |  |  |  | 16,857 |  |  |  | — |
Total |  | $ | 695,727 |  |  | $ | 2,594 |  |  | $ | 620 |  |  | $ | 1,042 |  |  | $ | 4,256 |  |  | $ | 699,983 |  |  | $ | — |
|  | 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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