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Allowance For Loan Losses (Tables) | 6 Months Ended
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Jun. 30, 2013
Allowance for Loan Losses [Abstract] |
Rollforward of the Allowance for Loan Losses by Portfolio Segment |
|  | Balance at March 31, 2013 |  | Charge-Offs |  | Recoveries |  | Provision (Credit) |  | Balance at June 30, 2013
Commercial |  | $ | 2,667 |  |  | $ | - |  |  | $ | 20 |  |  | $ | 93 |  |  | $ | 2,780 |
Commercial loans secured by real estate |  |  | 5,989 |  |  |  | - |  |  |  | 34 |  |  |  | (40 | ) |  |  | 5,983 |
Real estate-mortgage |  |  | 1,267 |  |  |  | (18 | ) |  |  | 12 |  |  |  | 18 |  |  |  | 1,279 |
Consumer |  |  | 147 |  |  |  | (41 | ) |  |  | 28 |  |  |  | 12 |  |  |  | 146 |
Allocation for general risk |  |  | 890 |  |  |  | - |  |  |  | - |  |  |  | 67 |  |  |  | 957 |
Total |  | $ | 10,960 |  |  | $ | (59 | ) |  | $ | 94 |  |  | $ | 150 |  |  | $ | 11,145 |
|  | 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 December 31, 2012 |  | Charge-Offs |  | Recoveries |  | Provision (Credit) |  | Balance at June 30, 2013
Commercial |  | $ | 2,596 |  |  | $ | - |  |  | $ | 31 |  |  | $ | 153 |  |  | $ | 2,780 |
Commercial loans secured by real estate |  |  | 7,796 |  |  |  | (1,480 | ) |  |  | 142 |  |  |  | (475 | ) |  |  | 5,983 |
Real estate-mortgage |  |  | 1,269 |  |  |  | (47 | ) |  |  | 67 |  |  |  | (10 | ) |  |  | 1,279 |
Consumer |  |  | 150 |  |  |  | (79 | ) |  |  | 40 |  |  |  | 35 |  |  |  | 146 |
Allocation for general risk |  |  | 760 |  |  |  | - |  |  |  | - |  |  |  | 197 |  |  |  | 957 |
Total |  | $ | 12,571 |  |  | $ | (1,606 | ) |  | $ | 280 |  |  | $ | (100 | ) |  | $ | 11,145 |
|  | 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 |
Summary of Primary Segments of Loan Portfolio |
|  | At June 30, 2013
|  | Commercial |  | Commercial Loans Secured by Real Estate |  | Real Estate- Mortgage |  | Consumer |  | Total
Individually evaluated for impairment |  | $ | - |  |  | $ | 2,238 |  |  | $ | - |  |  | $ | 12 |  |  | $ | 2,250 |
Collectively evaluated for impairment |  |  | 116,153 |  |  |  | 387,806 |  |  |  | 221,736 |  |  |  | 16,952 |  |  |  | 742,647 |
Total loans |  | $ | 116,153 |  |  | $ | 390,044 |  |  | $ | 221,736 |  |  | $ | 16,964 |  |  | $ | 744,897 |
|  | At June 30, 2013
|  | Commercial |  | Commercial Loans Secured by Real Estate |  | Real Estate- Mortgage |  | Consumer |  | Allocation for General Risk |  | Total
Specific reserve allocation |  | $ | - |  |  | $ | 747 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 747 |
General reserve allocation |  |  | 2,780 |  |  |  | 5,236 |  |  |  | 1,279 |  |  |  | 146 |  |  |  | 957 |  |  |  | 10,398 |
Total allowance for loan losses |  | $ | 2,780 |  |  | $ | 5,983 |  |  | $ | 1,279 |  |  | $ | 146 |  |  | $ | 957 |  |  | $ | 11,145 |
|  | 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 |
|  | June 30, 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 |  | $ | 2,187 |  |  | $ | 747 |  |  | $ | 51 |  |  | $ | 2,238 |  |  | $ | 2,320 |
Consumer |  |  | - |  |  |  | - |  |  |  | 12 |  |  |  | 12 |  |  |  | 12 |
Total impaired loans |  | $ | 2,187 |  |  | $ | 747 |  |  | $ | 63 |  |  | $ | 2,250 |  |  | $ | 2,332 |
|  | 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 June 30, |  | Six months ended June 30,
|  | 2013 |  | 2012 |  | 2013 |  | 2012
Average loan balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 17 |
Commercial loans secured by real estate |  |  | 2,294 |  |  |  | 3,350 |  |  |  | 3,131 |  |  |  | 3,506 |
Consumer |  |  | 12 |  |  |  | - |  |  |  | 12 |  |  |  | - |
Average investment in impaired loans |  | $ | 2,306 |  |  | $ | 3,350 |  |  | $ | 3,143 |  |  | $ | 3,523 |
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 Categories |
|  | June 30, 2013
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Total
Commercial |  | $ | 105,664 |  |  | $ | 7,681 |  |  | $ | 2,808 |  |  | $ | - |  |  | $ | 116,153 |
Commercial loans secured by real estate |  |  | 353,891 |  |  |  | 24,971 |  |  |  | 10,704 |  |  |  | 478 |  |  |  | 390,044 |
Total |  | $ | 459,555 |  |  | $ | 32,652 |  |  | $ | 13,512 |  |  | $ | 478 |  |  | $ | 506,197 |
|  | 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 |
|  | June 30, 2013
|  | Performing |  | Non-Performing
Real estate-mortgage |  | $ | 220,599 |  |  | $ | 1,137 |
Consumer |  |  | 16,952 |  |  |  | 12 |
Total |  | $ | 237,551 |  |  | $ | 1,149 |
|  | December 31, 2012
|  | Performing |  | Non-Performing
Real estate-mortgage |  | $ | 216,393 |  |  | $ | 1,191 |
Consumer |  |  | 17,407 |  |  |  | 13 |
Total |  | $ | 233,800 |  |  | $ | 1,204 |
Classes of Loan Portfolio by Categories |
|  | June 30, 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 |  | $ | 116,153 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 116,153 |  |  | $ | - |
Commercial loans secured by real estate |  |  | 389,038 |  |  |  | - |  |  |  | 447 |  |  |  | 559 |  |  |  | 1,006 |  |  |  | 390,044 |  |  |  | - |
Real estate-mortgage |  |  | 218,769 |  |  |  | 1,654 |  |  |  | 414 |  |  |  | 899 |  |  |  | 2,967 |  |  |  | 221,736 |  |  |  | - |
Consumer |  |  | 16,921 |  |  |  | 43 |  |  |  | - |  |  |  | - |  |  |  | 43 |  |  |  | 16,964 |  |  |  | - |
Total |  | $ | 708,784 |  |  | $ | 1,697 |  |  | $ | 861 |  |  | $ | 1,458 |  |  | $ | 4,016 |  |  | $ | 744,897 |  |  | $ | - |
|  | 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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