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ALLOWANCE FOR LOAN LOSSES (Tables) | 12 Months Ended
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Dec. 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 DECEMBER 31, 2013
Commercial |  | $ | 2,596 |  |  | $ | (50) |  |  | $ | 80 |  |  | $ | 218 |  |  | $ | 2,844 |
Commercial loans secured by real estate |  |  | 7,796 |  |  |  | (1,777) |  |  |  | 481 |  |  |  | (1,615) |  |  |  | 4,885 |
Real estate-mortgage |  |  | 1,269 |  |  |  | (139) |  |  |  | 122 |  |  |  | 8 |  |  |  | 1,260 |
Consumer |  |  | 150 |  |  |  | (154) |  |  |  | 70 |  |  |  | 70 |  |  |  | 136 |
Allocation for general risk |  |  | 760 |  |  |  | - |  |  |  | - |  |  |  | 219 |  |  |  | 979 |
Total |  | $ | 12,571 |  |  | $ | (2,120) |  |  | $ | 753 |  |  | $ | (1,100) |  |  | $ | 10,104 |
|  | BALANCE AT DECEMBER 31, 2011 |  | CHARGE- OFFS |  | RECOVERIES |  | PROVISION (CREDIT) |  | BALANCE AT DECEMBER 31, 2012
Commercial |  | $ | 2,365 |  |  | $ | (345 | ) |  | $ | 138 |  |  | $ | 438 |  |  | $ | 2,596 |
Commercial loans secured by real estate |  |  | 9,400 |  |  |  | (796 | ) |  |  | 245 |  |  |  | (1,053 | ) |  |  | 7,796 |
Real estate-mortgage |  |  | 1,270 |  |  |  | (420 | ) |  |  | 54 |  |  |  | 365 |  |  |  | 1,269 |
Consumer |  |  | 174 |  |  |  | (200 | ) |  |  | 47 |  |  |  | 129 |  |  |  | 150 |
Allocation for general risk |  |  | 1,414 |  |  |  | - |  |  |  | - |  |  |  | (654 | ) |  |  | 760 |
Total |  | $ | 14,623 |  |  | $ | (1,761 | ) |  | $ | 484 |  |  | $ | (775 | ) |  | $ | 12,571 |
|  | BALANCE AT DECEMBER 31, 2010 |  | CHARGE- OFFS |  | RECOVERIES |  | PROVISION (CREDIT) |  | BALANCE AT DECEMBER 31, 2011
Commercial |  | $ | 3,851 |  |  | $ | (953 | ) |  | $ | 831 |  |  | $ | (1,364 | ) |  | $ | 2,365 |
Commercial loans secured by real estate |  |  | 12,717 |  |  |  | (1,700 | ) |  |  | 331 |  |  |  | (1,948 | ) |  |  | 9,400 |
Real estate-mortgage |  |  | 1,117 |  |  |  | (85 | ) |  |  | 53 |  |  |  | 185 |  |  |  | 1,270 |
Consumer |  |  | 206 |  |  |  | (203 | ) |  |  | 159 |  |  |  | 12 |  |  |  | 174 |
Allocation for general risk |  |  | 1,874 |  |  |  | - |  |  |  | - |  |  |  | (460 | ) |  |  | 1,414 |
Total |  | $ | 19,765 |  |  | $ | (2,941 | ) |  | $ | 1,374 |  |  | $ | (3,575 | ) |  | $ | 14,623 |
Summary of Primary Segments of Loan Portfolio |
|  | AT DECEMBER 31, 2013
|  | (IN THOUSANDS)
|  | COMMERCIAL |  | COMMERCIAL LOANS SECURED BY REAL ESTATE |  | REAL ESTATE- MORTGAGE |  | CONSUMER |  | TOTAL
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | - |  |  | $ | 3,005 |  |  | $ | - |  |  | $ | 61 |  |  | $ | 3,066 |
Collectively evaluated for impairment |  |  | 120,102 |  |  |  | 408,686 |  |  |  | 235,689 |  |  |  | 15,803 |  |  |  | 780,280 |
Total loans |  | $ | 120,102 |  |  | $ | 411,691 |  |  | $ | 235,689 |  |  | $ | 15,864 |  |  | $ | 783,346 |
|  | AT DECEMBER 31, 2013
|  | (IN THOUSANDS)
|  | COMMERCIAL |  | COMMERCIAL LOANS SECURED BY REAL ESTATE |  | REAL ESTATE- MORTGAGE |  | CONSUMER |  | ALLOCATION FOR GENERAL RISK |  | TOTAL
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Specific reserve allocation |  | $ | - |  |  | $ | 812 |  |  | $ | - |  |  | $ | 1 |  |  | $ | - |  |  | $ | 813 |
General reserve allocation |  |  | 2,844 |  |  |  | 4,073 |  |  |  | 1,260 |  |  |  | 135 |  |  |  | 979 |  |  |  | 9,291 |
Total allowance for loan losses |  | $ | 2,844 |  |  | $ | 4,885 |  |  | $ | 1,260 |  |  | $ | 136 |  |  | $ | 979 |  |  | $ | 10,104 |
|  | AT DECEMBER 31, 2012
|  | (IN THOUSANDS)
|  | COMMERCIAL |  | COMMERCIAL LOANS SECURED BY REAL ESTATE |  | REAL ESTATE- MORTGAGE |  | CONSUMER |  | TOTAL
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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
|  | (IN THOUSANDS)
|  | COMMERCIAL |  | COMMERCIAL LOANS SECURED BY REAL ESTATE |  | REAL ESTATE- MORTGAGE |  | CONSUMER |  | ALLOCATION FOR GENERAL RISK |  | TOTAL
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 |
Schedule of Impaired Loans by Class |
|  | DECEMBER 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
|  | (IN THOUSANDS)
Commercial loans secured by real estate |  | $ | 3,005 |  |  | $ | 812 |  |  | $ | - |  |  | $ | 3,005 |  |  | $ | 3,118 |
Consumer |  |  | 61 |  |  |  | 1 |  |  |  | - |  |  |  | 61 |  |  |  | 61 |
Total impaired loans |  | $ | 3,066 |  |  | $ | 813 |  |  | $ | - |  |  | $ | 3,066 |  |  | $ | 3,179 |
|  | 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
|  | (IN THOUSANDS)
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 |
|  | YEAR ENDED DECEMBER 31,
|  | 2013 |  | 2012 |  | 2011
|  | (IN THOUSANDS)
Average impaired balance: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 13 |  |  | $ | 13 |  |  | $ | 503 |
Commercial loans secured by real estate |  |  | 2,459 |  |  |  | 3,754 |  |  |  | 4,479 |
Consumer |  |  | 37 |  |  |  | 3 |  |  |  | - |
Average investment in impaired loans |  | $ | 2,509 |  |  | $ | 3,770 |  |  | $ | 4,982 |
Interest income recognized: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | - |  |  | $ | - |  |  | $ | 17 |
Commercial loans secured by real estate |  |  | 11 |  |  |  | - |  |  |  | 150 |
Consumer |  |  | 3 |  |  |  | - |  |  |  | - |
Interest income recognized on a cash basis on impaired loans |  | $ | 14 |  |  | $ | - |  |  | $ | 167 |
Loan Portfolio Summarized by Categories |
|  | December 31, 2013
|  | PASS |  | SPECIAL MENTION |  | SUBSTANDARD |  | DOUBTFUL |  | TOTAL
|  | (IN THOUSANDS)
Commercial |  | $ | 108,623 |  |  | $ | 8,880 |  |  | $ | 2,599 |  |  | $ | - |  |  | $ | 120,102 |
Commercial loans secured by real estate |  |  | 396,788 |  |  |  | 6,961 |  |  |  | 7,482 |  |  |  | 460 |  |  |  | 411,691 |
Total |  | $ | 505,411 |  |  | $ | 15,841 |  |  | $ | 10,081 |  |  | $ | 460 |  |  | $ | 531,793 |
|  | December 31, 2012
|  | PASS |  | SPECIAL MENTION |  | SUBSTANDARD |  | DOUBTFUL |  | TOTAL
|  | (IN THOUSANDS)
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 |
|  | December 31, 2013
|  | PERFORMING |  | NON- PERFORMING
|  | (IN THOUSANDS)
Real estate-mortgage |  | $ | 234,450 |  |  | $ | 1,239 |
Consumer |  |  | 15,803 |  |  |  | 61 |
Total |  | $ | 250,253 |  |  | $ | 1,300 |
|  | December 31, 2012
|  | PERFORMING |  | NON- PERFORMING
|  | (IN THOUSANDS)
Real estate-mortgage |  | $ | 216,393 |  |  | $ | 1,191 |
Consumer |  |  | 17,407 |  |  |  | 13 |
Total |  | $ | 233,800 |  |  | $ | 1,204 |
Classes of Loan Portfolio by Aging Categories |
|  | December 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
|  | (IN THOUSANDS)
Commercial |  | $ | 120,102 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 120,102 |  |  | $ | - |
Commercial loans secured by real estate |  |  | 410,619 |  |  |  | 457 |  |  |  | - |  |  |  | 615 |  |  |  | 1,072 |  |  |  | 411,691 |  |  |  | - |
Real estate-mortgage |  |  | 231,740 |  |  |  | 2,232 |  |  |  | 670 |  |  |  | 1,047 |  |  |  | 3,949 |  |  |  | 235,689 |  |  |  | - |
Consumer |  |  | 15,804 |  |  |  | 33 |  |  |  | 27 |  |  |  | - |  |  |  | 60 |  |  |  | 15,864 |  |  |  | - |
Total |  | $ | 778,265 |  |  | $ | 2,722 |  |  | $ | 697 |  |  | $ | 1,662 |  |  | $ | 5,081 |  |  | $ | 783,346 |  |  | $ | - |
|  | 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
|  | (IN THOUSANDS)
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 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=28368275&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=32702940&loc=SL6953803-111525 + Details
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