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Allowance For Loan Losses (Tables) | 3 Months Ended
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Mar. 31, 2013
Allowance for Loan Losses [Abstract] |
Rollforward of the allowance for loan losses by portfolio segment |
|  | Balance at December 31, 2012 |  | Charge-Offs |  | Recoveries |  | Provision (Credit) |  | Balance at March 31, 2013
Commercial |  | $ | 2,596 |  |  | $ | - |  |  | $ | 11 |  |  | $ | 60 |  |  | $ | 2,667 |
Commercial loans secured by real estate |  |  | 7,796 |  |  |  | (1,480 | ) |  |  | 108 |  |  |  | (435 | ) |  |  | 5,989 |
Real estate - mortgage |  |  | 1,269 |  |  |  | (29 | ) |  |  | 55 |  |  |  | (28 | ) |  |  | 1,267 |
Consumer |  |  | 150 |  |  |  | (38 | ) |  |  | 12 |  |  |  | 23 |  |  |  | 147 |
Allocation for general risk |  |  | 760 |  |  |  | - |  |  |  | - |  |  |  | 130 |  |  |  | 890 |
Total |  | $ | 12,571 |  |  | $ | (1,547 | ) |  | $ | 186 |  |  | $ | (250 | ) |  | $ | 10,960 |
|  | Balance at December 31, 2011 |  | Charge-Offs |  | Recoveries |  | Provision (Credit) |  | Balance at March 31, 2012
Commercial |  | $ | 2,365 |  |  | $ | (99 | ) |  | $ | 22 |  |  | $ | 195 |  |  | $ | 2,483 |
Commercial loans secured by real estate |  |  | 9,400 |  |  |  | (141 | ) |  |  | 30 |  |  |  | (734 | ) |  |  | 8,555 |
Real estate - mortgage |  |  | 1,270 |  |  |  | (40 | ) |  |  | 24 |  |  |  | (4 | ) |  |  | 1,250 |
Consumer |  |  | 174 |  |  |  | (27 | ) |  |  | 11 |  |  |  | 8 |  |  |  | 166 |
Allocation for general risk |  |  | 1,414 |  |  |  | - |  |  |  | - |  |  |  | (90 | ) |  |  | 1,324 |
Total |  | $ | 14,623 |  |  | $ | (307 | ) |  | $ | 87 |  |  | $ | (625 | ) |  | $ | 13,778 |
Summary of primary segments of loan portfolio |
|  | At March 31, 2013
|  | Commercial |  | Commercial Loans Secured by Real Estate |  | Real Estate - Mortgage |  | Consumer |  | Total
Individually evaluated for impairment |  | $ | - |  |  | $ | 2,327 |  |  | $ | - |  |  | $ | 12 |  |  | $ | 2,339 |
Collectively evaluated for impairment |  |  | 98,966 |  |  |  | 373,834 |  |  |  | 221,716 |  |  |  | 17,056 |  |  |  | 711,572 |
Total loans |  | $ | 98,966 |  |  | $ | 376,161 |  |  | $ | 221,716 |  |  | $ | 17,068 |  |  | $ | 713,911 |
|  | At March 31, 2013
|  | Commercial |  | Commercial Loans Secured by Real Estate |  | Real Estate - Mortgage |  | Consumer |  | Allocation for General Risk |  | Total
Specific reserve allocation |  | $ | - |  |  | $ | 477 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 477 |
General reserve allocation |  |  | 2,667 |  |  |  | 5,512 |  |  |  | 1,267 |  |  |  | 147 |  |  |  | 890 |  |  |  | 10,483 |
Total allowance for loan losses |  | $ | 2,667 |  |  | $ | 5,989 |  |  | $ | 1,267 |  |  | $ | 147 |  |  | $ | 890 |  |  | $ | 10,960 |
|  | At December 31, 2012
|  | 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
|  | 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 |
Impaired loans by class |
|  | March 31, 2013
|  | 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 |  | $ | 1,773 |  |  | $ | 477 |  |  | $ | 554 |  |  | $ | 2,327 |  |  | $ | 2,392 |
Consumer |  |  | - |  |  |  | - |  |  |  | 12 |  |  |  | 12 |  |  |  | 12 |
Total impaired loans |  | $ | 1,773 |  |  | $ | 477 |  |  | $ | 566 |  |  | $ | 2,339 |  |  | $ | 2,404 |
|  | December 31, 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 |  | $ | 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 |
Average recorded investment in impaired loans and related interest income recognized |
|  | Three months ended March 31,
|  | 2013 |  | 2012
Average loan balance: |  |  |  |  |  |  |  |
Commercial |  | $ | - |  |  | $ | 26 |
Commercial loans secured by real estate |  |  | 3,572 |  |  |  | 3,732 |
Consumer |  |  | 12 |  |  |  | - |
Average investment in impaired loans |  | $ | 3,584 |  |  | $ | 3,758 |
Interest income recognized: |  |  |  |  |  |  |  |
Commercial |  | $ | - |  |  | $ | - |
Commercial loans secured by real estate |  |  | - |  |  |  | - |
Consumer |  |  | - |  |  |  | - |
Interest income recognized on a cash basis on impaired loans |  | $ | - |  |  | $ | - |
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system |
|  | March 31, 2013
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Total
Commercial |  | $ | 92,320 |  |  | $ | 3,667 |  |  | $ | 2,979 |  |  | $ | - |  |  | $ | 98,966 |
Commercial loans secured by real estate |  |  | 341,549 |  |  |  | 23,829 |  |  |  | 10,295 |  |  |  | 488 |  |  |  | 376,161 |
Total |  | $ | 433,869 |  |  | $ | 27,496 |  |  | $ | 13,274 |  |  | $ | 488 |  |  | $ | 475,127 |
|  | December 31, 2012
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Total
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 |
Performing and non-performing outstanding balances of the residential and consumer portfolios |
|  | March 31, 2013
|  | Performing |  | Non-Performing
Real estate - mortgage |  | $ | 220,872 |  |  | $ | 844 |
Consumer |  |  | 17,056 |  |  |  | 12 |
Total |  | $ | 237,928 |  |  | $ | 856 |
|  | December 31, 2012
|  | Performing |  | Non-Performing
Real estate - mortgage |  | $ | 216,393 |  |  | $ | 1,191 |
Consumer |  |  | 17,407 |  |  |  | 13 |
Total |  | $ | 233,800 |  |  | $ | 1,204 |
Classes of the loan portfolio summarized by aging categories of performing loans and nonaccrual loans |
|  | March 31, 2013
|  | 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 |  | $ | 98,961 |  |  | $ | 5 |  |  | $ | - |  |  | $ | - |  |  | $ | 5 |  |  | $ | 98,966 |  |  | $ | - |
Commercial loans secured by real estate |  |  | 374,354 |  |  |  | 743 |  |  |  | - |  |  |  | 1,064 |  |  |  | 1,807 |  |  |  | 376,161 |  |  |  | - |
Real estate - mortgage |  |  | 218,447 |  |  |  | 1,649 |  |  |  | 994 |  |  |  | 626 |  |  |  | 3,269 |  |  |  | 221,716 |  |  |  | - |
Consumer |  |  | 17,022 |  |  |  | 18 |  |  |  | 28 |  |  |  | - |  |  |  | 46 |  |  |  | 17,068 |  |  |  | - |
Total |  | $ | 708,784 |  |  | $ | 2,415 |  |  | $ | 1,022 |  |  | $ | 1,690 |  |  | $ | 5,127 |  |  | $ | 713,911 |  |  | $ | - |
|  | 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
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 |  |  | $ | - |

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- Definition Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953423-111524 + Details
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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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