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Allowance For Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2013
Allowance for Loan Losses [Abstract] |
Rollforward of the Allowance for Loan Losses by Portfolio Segment |
|  | Three months ended September 30,
|  | Balance at June 30, 2013 |  | Charge-Offs |  | Recoveries |  | Provision (Credit) |  | Balance at September 30, 2013
Commercial |  | $ | 2,780 |  |  | $ | - |  |  | $ | 17 |  |  | $ | 891 |  |  | $ | 3,688 |
Commercial loans secured by real estate |  |  | 5,983 |  |  |  | - |  |  |  | 39 |  |  |  | (993 | ) |  |  | 5,029 |
Real estate-mortgage |  |  | 1,279 |  |  |  | (49 | ) |  |  | 31 |  |  |  | 62 |  |  |  | 1,323 |
Consumer |  |  | 146 |  |  |  | (8 | ) |  |  | 8 |  |  |  | (6 | ) |  |  | 140 |
Allocation for general risk |  |  | 957 |  |  |  | - |  |  |  | - |  |  |  | 46 |  |  |  | 1,003 |
Total |  | $ | 11,145 |  |  | $ | (57 | ) |  | $ | 95 |  |  | $ | - |  |  | $ | 11,183 |
|  | Three months ended September 30,
|  | 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 |
|  | Nine months ended September 30,
|  | Balance at December 31, 2012 |  | Charge-Offs |  | Recoveries |  | Provision (Credit) |  | Balance at September 30, 2013
Commercial |  | $ | 2,596 |  |  | $ | - |  |  | $ | 48 |  |  | $ | 1,044 |  |  | $ | 3,688 |
Commercial loans secured by real estate |  |  | 7,796 |  |  |  | (1,480 | ) |  |  | 181 |  |  |  | (1,468 | ) |  |  | 5,029 |
Real estate-mortgage |  |  | 1,269 |  |  |  | (96 | ) |  |  | 98 |  |  |  | 52 |  |  |  | 1,323 |
Consumer |  |  | 150 |  |  |  | (87 | ) |  |  | 48 |  |  |  | 29 |  |  |  | 140 |
Allocation for general risk |  |  | 760 |  |  |  | - |  |  |  | - |  |  |  | 243 |  |  |  | 1,003 |
Total |  | $ | 12,571 |  |  | $ | (1,663 | ) |  | $ | 375 |  |  | $ | (100 | ) |  | $ | 11,183 |
|  | Nine months ended September 30,
|  | 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 |
Summary of Primary Segments of Loan Portfolio |
|  | At September 30, 2013
Loans: |  | Commercial |  | Commercial Loans Secured by Real Estate |  | Real Estate- Mortgage |  | Consumer |  | Total
Individually evaluated for impairment |  | $ | 50 |  |  | $ | 2,205 |  |  | $ | - |  |  | $ | 63 |  |  | $ | 2,318 |
Collectively evaluated for impairment |  |  | 115,862 |  |  |  | 394,535 |  |  |  | 231,910 |  |  |  | 16,222 |  |  |  | 758,529 |
Total loans |  | $ | 115,912 |  |  | $ | 396,740 |  |  | $ | 231,910 |  |  | $ | 16,285 |  |  | $ | 760,847 |
Allowance for loan losses: |  | Commercial |  | Commercial Loans Secured by Real Estate |  | Real Estate- Mortgage |  | Consumer |  | Allocation for General Risk |  | Total
Specific reserve allocation |  | $ | 50 |  |  | $ | 755 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 805 |
General reserve allocation |  |  | 3,638 |  |  |  | 4,274 |  |  |  | 1,323 |  |  |  | 140 |  |  |  | 1,003 |  |  |  | 10,378 |
Total allowance for loan losses |  | $ | 3,688 |  |  | $ | 5,029 |  |  | $ | 1,323 |  |  | $ | 140 |  |  | $ | 1,003 |  |  | $ | 11,183 |
|  | At December 31, 2012
Loans: |  | 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 |
Allowance for loan losses: |  | 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 |
|  | September 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 |  | $ | 50 |  |  | $ | 50 |  |  | $ | - |  |  | $ | 50 |  |  | $ | 50 |
Commercial loans secured by real estate |  |  | 2,156 |  |  |  | 755 |  |  |  | 49 |  |  |  | 2,205 |  |  |  | 2,304 |
Consumer |  |  | - |  |  |  | - |  |  |  | 63 |  |  |  | 63 |  |  |  | 63 |
Total impaired loans |  | $ | 2,206 |  |  | $ | 805 |  |  | $ | 112 |  |  | $ | 2,318 |  |  | $ | 2,417 |
|  | 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 September 30, |  | Nine months ended September 30,
|  | 2013 |  | 2012 |  | 2013 |  | 2012
Average loan balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 50 |  |  | $ | - |  |  | $ | 6 |  |  | $ | 17 |
Commercial loans secured by real estate |  |  | 2,170 |  |  |  | 3,576 |  |  |  | 2,904 |  |  |  | 3,680 |
Consumer |  |  | 63 |  |  |  | - |  |  |  | 18 |  |  |  | - |
Average investment in impaired loans |  | $ | 2,283 |  |  | $ | 3,576 |  |  | $ | 2,928 |  |  | $ | 3,697 |
Interest income recognized: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Commercial loans secured by real estate |  |  | 3 |  |  |  | 1 |  |  |  | 7 |  |  |  | 2 |
Consumer |  |  | - |  |  |  | - |  |  |  | 1 |  |  |  | - |
Interest income recognized on a cash basis on impaired loans |  | $ | 3 |  |  | $ | 1 |  |  | $ | 8 |  |  | $ | 2 |
Loan Portfolio Summarized by Categories |
|  | September 30, 2013
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Total
Commercial |  | $ | 104,296 |  |  | $ | 8,904 |  |  | $ | 2,712 |  |  | $ | - |  |  | $ | 115,912 |
Commercial loans secured by real estate |  |  | 368,504 |  |  |  | 14,769 |  |  |  | 12,999 |  |  |  | 468 |  |  |  | 396,740 |
Total |  | $ | 472,800 |  |  | $ | 23,673 |  |  | $ | 15,711 |  |  | $ | 468 |  |  | $ | 515,652 |
|  | 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 |
|  | September 30, 2013
|  | Performing |  | Non-Performing
Real estate-mortgage |  | $ | 230,692 |  |  | $ | 1,218 |
Consumer |  |  | 16,222 |  |  |  | 63 |
Total |  | $ | 246,914 |  |  | $ | 1,281 |
|  | 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 |
|  | September 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 |  | $ | 115,912 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 115,912 |  |  | $ | - |
Commercial loans secured by real estate |  |  | 394,050 |  |  |  | 936 |  |  |  | 68 |  |  |  | 1,686 |  |  |  | 2,690 |  |  |  | 396,740 |  |  |  | 686 |
Real estate-mortgage |  |  | 228,118 |  |  |  | 2,248 |  |  |  | 554 |  |  |  | 990 |  |  |  | 3,792 |  |  |  | 231,910 |  |  |  | - |
Consumer |  |  | 16,209 |  |  |  | 57 |  |  |  | 19 |  |  |  | - |  |  |  | 76 |  |  |  | 16,285 |  |  |  | - |
Total |  | $ | 754,289 |  |  | $ | 3,241 |  |  | $ | 641 |  |  | $ | 2,676 |  |  | $ | 6,558 |  |  | $ | 760,847 |  |  | $ | 686 |
|  | 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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