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ALLOWANCE FOR LOAN LOSSES (Tables) | 12 Months Ended
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Dec. 31, 2012
ALLOWANCE FOR LOAN LOSSES [Abstract] |
Schedule of Changes in Allowance for Loan Losses |
|  | YEAR ENDED DECEMBER 31, 2010
|  | (IN THOUSANDS)
Balance January 1 |  | $ | 19,685 |
Provision (credit) for loan losses |  |  | 5,250 |
Recoveries on loans previously charged-off |  |  | 461 |
Loans charged-off |  |  | (5,631 | )
Balance December 31 |  | $ | 19,765 |
Schedule of Changes in Allowance for Loan Losses by Portfolio Segment |
| BALANCE AT DECEMBER 31, 2011 |  | CHARGE- OFFS |  | RECOVERIES |  | PROVISION (CREDIT) |  | BALANCE AT DECEMBER 31, 2012
Commercial |  | $ | 2,365 |  |  | $ | (345) |  |  | $ | 138 |  |  | $ | 438 |  |  | $ | 2,596 |
Commercial loans secured by real estate |  |  | 9,400 |  |  |  | (796) |  |  |  | 245 |  |  |  | (1,053) |  |  |  | 7,796 |
Real estate- mortgage |  |  | 1,270 |  |  |  | (420) |  |  |  | 54 |  |  |  | 365 |  |  |  | 1,269 |
Consumer |  |  | 174 |  |  |  | (200) |  |  |  | 47 |  |  |  | 129 |  |  |  | 150 |
Allocation for general risk |  |  | 1,414 |  |  |  | - |  |  |  | - |  |  |  | (654) |  |  |  | 760 |
Total |  | $ | 14,623 |  |  | $ | (1,761) |  |  | $ | 484 |  |  | $ | (775) |  |  | $ | 12,571 |
|  | BALANCE AT DECEMBER 31, 2010 |  | CHARGE- OFFS |  | RECOVERIES |  | PROVISION (CREDIT) |  | BALANCE AT DECEMBER 31, 2011
Commercial |  | $ | 3,851 |  |  | $ | (953 | ) |  | $ | 831 |  |  | $ | (1,364 | ) |  | $ | 2,365 |
Commercial loans secured by real estate |  |  | 12,717 |  |  |  | (1,700 | ) |  |  | 331 |  |  |  | (1,948 | ) |  |  | 9,400 |
Real estate- mortgage |  |  | 1,117 |  |  |  | (85 | ) |  |  | 53 |  |  |  | 185 |  |  |  | 1,270 |
Consumer |  |  | 206 |  |  |  | (203 | ) |  |  | 159 |  |  |  | 12 |  |  |  | 174 |
Allocation for general risk |  |  | 1,874 |  |  |  | - |  |  |  | - |  |  |  | (460 | ) |  |  | 1,414 |
Total |  | $ | 19,765 |  |  | $ | (2,941 | ) |  | $ | 1,374 |  |  | $ | (3,575 | ) |  | $ | 14,623 |
Schedule of Loan Portfolio and Allowance for Loan Loss by Primary Segments |
|  | AT DECEMBER 31, 2012
|  | (IN THOUSANDS)
|  | COMMERCIAL |  | COMMERCIAL LOANS SECURED BY REAL ESTATE |  | REAL ESTATE- MORTGAGE |  | CONSUMER |  | TOTAL
Individually evaluated for impairment |  | $ | - |  |  | $ | 4,793 |  |  | $ | - |  |  | $ | 13 |  |  | $ | 4,806 |
Collectively evaluated for impairment |  |  | 102,822 |  |  |  | 378,546 |  |  |  | 217,584 |  |  |  | 17,407 |  |  |  | 716,359 |
Total loans |  | $ | 102,822 |  |  | $ | 383,339 |  |  | $ | 217,584 |  |  | $ | 17,420 |  |  | $ | 721,165 |
|  | AT DECEMBER 31, 2012
|  | (IN THOUSANDS)
|  | COMMERCIAL |  | COMMERCIAL LOANS SECURED BY REAL ESTATE |  | REAL ESTATE- MORTGAGE |  | CONSUMER |  | ALLOCATION FOR GENERAL RISK |  | TOTAL
Specific reserve allocation |  | $ | - |  |  | $ | 1,586 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 1,586 |
General reserve allocation |  |  | 2,596 |  |  |  | 6,210 |  |  |  | 1,269 |  |  |  | 150 |  |  |  | 760 |  |  |  | 10,985 |
Total allowance for loan losses |  | $ | 2,596 |  |  | $ | 7,796 |  |  | $ | 1,269 |  |  | $ | 150 |  |  | $ | 760 |  |  | $ | 12,571 |
|  | AT DECEMBER 31, 2011
|  | (IN THOUSANDS)
|  | 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
|  | (IN THOUSANDS)
|  | 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 |
Schedule of Impaired Loans | The following tables present impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary.
|  | DECEMBER 31, 2012
|  | IMPAIRED LOANS WITH SPECIFIC ALLOWANCE |  | IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE |  | TOTAL IMPAIRED LOANS
|  | RECOREDED INVESTMENT |  | RELATED ALLOWANCE |  | RECOREDED INVESTMENT |  | RECOREDED INVESTMENT |  | UNPAID PRINCIPAL BALANCE
|  | (IN THOUSANDS)
Commercial loans secured by real estate |  | $ | 4,239 |  |  | $ | 1,586 |  |  | $ | 554 |  |  | $ | 4,793 |  |  | $ | 4,850 |
Consumer |  |  | - |  |  |  | - |  |  |  | 13 |  |  |  | 13 |  |  |  | 13 |
Total impaired loans |  | $ | 4,239 |  |  | $ | 1,586 |  |  | $ | 567 |  |  | $ | 4,806 |  |  | $ | 4,863 |
|  | DECEMBER 31, 2011
|  | IMPAIRED LOANS WITH SPECIFIC ALLOWANCE |  | IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE |  | TOTAL IMPAIRED LOANS
|  | RECOREDED INVESTMENT |  | RELATED ALLOWANCE |  | RECOREDED INVESTMENT |  | RECOREDED INVESTMENT |  | UNPAID PRINCIPAL BALANCE
|  | (IN THOUSANDS)
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 |
The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated.
|  | YEAR ENDED DECEMBER 31,
|  | 2012 |  | 2011 |  | 2010
|  | (IN THOUSANDS)
Average impaired balance: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 13 |  |  | $ | 503 |  |  | $ | 3,591 |
Commercial loans secured by real estate |  |  | 3,754 |  |  |  | 4,479 |  |  |  | 14,611 |
Consumer |  |  | 3 |  |  |  | - |  |  |  | - |
Average investment in impaired loans |  | $ | 3,770 |  |  | $ | 4,982 |  |  | $ | 18,202 |
Interest income recognized: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | - |  |  | $ | 17 |  |  | $ | 90 |
Commercial loans secured by real estate |  |  | - |  |  |  | 150 |  |  |  | 368 |
Interest income recognized on a cash basis on impaired loans |  | $ | - |  |  | $ | 167 |  |  | $ | 458 |
Schedule of Classes of Loan Portfolio |
|  | December 31, 2012
|  | PASS |  | SPECIAL MENTION |  | SUBSTANDARD |  | DOUBTFUL |  | TOTAL
|  | (IN THOUSANDS)
Commercial |  | $ | 99,886 |  |  | $ | 28 |  |  | $ | 2,908 |  |  | $ | - |  |  | $ | 102,822 |
Commercial loans secured by real estate |  |  | 343,885 |  |  |  | 20,836 |  |  |  | 17,010 |  |  |  | 1,608 |  |  |  | 383,339 |
Total |  | $ | 443,771 |  |  | $ | 20,864 |  |  | $ | 19,918 |  |  | $ | 1,608 |  |  | $ | 486,161 |
|  | December 31, 2011
|  | PASS |  | SPECIAL MENTION |  | SUBSTANDARD |  | DOUBTFUL |  | TOTAL
|  | (IN THOUSANDS)
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 |
It is the policy of the bank that the outstanding balance of any residential mortgage loan that exceeds 90-days past due as to principal and/or interest is transferred to non-accrual status and an evaluation is completed to determine the fair value of the collateral less selling costs. A charge down is recorded for any deficiency balance determined from the collateral evaluation. The remaining non-accrual balance is reported as impaired with no specific allowance. It is the policy of the bank that the outstanding balance of any consumer loan that exceeds 90-days past due as to principal and/or interest is charged off. The following tables present the performing and non-performing outstanding balances of the residential and consumer portfolios (in thousands).
|  | December 31, 2012
|  | PERFORMING |  | NON- PERFORMING
|  | (IN THOUSANDS)
Real estate-mortgage |  | $ | 216,393 |  |  | $ | 1,191 |
Consumer |  |  | 17,407 |  |  |  | 13 |
Total |  | $ | 233,800 |  |  | $ | 1,204 |
|  | December 31, 2011
|  | PERFORMING |  | NON- PERFORMING
|  | (IN THOUSANDS)
Real estate-mortgage |  | $ | 211,458 |  |  | $ | 1,205 |
Consumer |  |  | 18,172 |  |  |  | - |
Total |  | $ | 229,630 |  |  | $ | 1,205 |
Schedule of Classes of Loan Portfolio Summarized by Aging Categories |
|  | December 31, 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
|  | (IN THOUSANDS)
Commercial |  | $ | 102,775 |  |  | $ | - |  |  | $ | 47 |  |  | $ | - |  |  | $ | 47 |  |  | $ | 102,822 |  |  | $ | - |
Commercial loans secured by real estate |  |  | 379,834 |  |  |  | - |  |  |  | 2,545 |  |  |  | 960 |  |  |  | 3,505 |  |  |  | 383,339 |  |  |  | - |
Real estate-mortgage |  |  | 213,300 |  |  |  | 3,240 |  |  |  | 303 |  |  |  | 741 |  |  |  | 4,284 |  |  |  | 217,584 |  |  |  | - |
Consumer |  |  | 17,371 |  |  |  | 16 |  |  |  | 33 |  |  |  | - |  |  |  | 49 |  |  |  | 17,420 |  |  |  | - |
Total |  | $ | 713,280 |  |  | $ | 3,256 |  |  | $ | 2,928 |  |  | $ | 1,701 |  |  | $ | 7,885 |  |  | $ | 721,165 |  |  | $ | - |
|  | 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
|  | (IN THOUSANDS)
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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