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Allowance For Loan Losses (Tables)

9 Months Ended

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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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.

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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.

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