XML 40 R28.htm IDEA: XBRL DOCUMENT v2.4.0.6
Allowance For Loan Losses (Tables)
 3 Months Ended
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 $ -