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Allowance For Loan Losses (Tables)

3 Months Ended

Mar. 31, 2014

Allowance for Loan Losses [Abstract]

Rollforward of the Allowance for Loan Losses by Portfolio Segment

		Three months ended March 31, 2014
		Balance at December 31, 2013				Charge-Offs				Recoveries				Provision (Credit)				Balance at March 31, 2014
Commercial		$	2,844			$	(72	)		$	50			$	243			$	3,065
Commercial loans secured by real estate			4,885				(66	)			153				(310	)			4,662
Real estate-mortgage			1,260				(43	)			14				42				1,273
Consumer			136				(36	)			5				34				139
Allocation for general risk			979				-				-				(9	)			970
Total		$	10,104			$	(217	)		$	222			$	-			$	10,109

		Three months ended March 31, 2013
		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

Summary of Primary Segments of Loan Portfolio

Loans:

		At March 31, 2014
		Commercial				Commercial Loans Secured by Real Estate				Real Estate- Mortgage				Consumer				Total
Individually evaluated for impairment		$	-			$	2,241			$	-			$	-			$	2,241
Collectively evaluated for impairment			125,854				402,862				239,545				16,310				784,571
Total loans		$	125,854			$	405,103			$	239,545			$	16,310			$	786,812

Allowance for loan losses:

		Commercial				Commercial Loans Secured by Real Estate				Real Estate- Mortgage				Consumer				Allocation for General Risk				Total
Specific reserve allocation		$	-			$	706			$	-			$	-			$	-			$	706
General reserve allocation			3,065				3,956				1,273				139				970				9,403
Total allowance for loan losses		$	3,065			$	4,662			$	1,273			$	139			$	970			$	10,109

Loans:

		At December 31, 2013
		Commercial				Commercial Loans Secured by Real Estate				Real Estate- Mortgage				Consumer				Total
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

Allowance for loan losses:

		Commercial				Commercial Loans Secured by Real Estate				Real Estate- Mortgage				Consumer				Allocation for General Risk				Total
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

Impaired Loans by Class

		March 31, 2014
		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		$	2,241			$	706			$	-			$	2,241			$	2,288
Total impaired loans		$	2,241			$	706			$	-			$	2,241			$	2,288

		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
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

Average Recorded Investment in Impaired Loans and Related Interest Income Recognized

		Three months ended March 31,
		2014				2013
Average loan balance:
Commercial loans secured by real estate		$	2,623			$	3,572
Consumer			-				12
Average investment in impaired loans		$	2,623			$	3,584
Interest income recognized:
Commercial loans secured by real estate		$	1			$	-
Interest income recognized on a cash basis on impaired loans		$	1			$	-

Loan Portfolio Summarized by Categories

		March 31, 2014
		Pass				Special Mention				Substandard				Doubtful				Total
Commercial		$	116,733			$	3,691			$	5,430			$	-			$	125,854
Commercial loans secured by real estate			392,213				3,723				8,859				308				405,103
Total		$	508,946			$	7,414			$	14,289			$	308			$	530,957

		December 31, 2013
		Pass				Special Mention				Substandard				Doubtful				Total
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

Performing and Non-performing Outstanding Balances

		March 31, 2014
		Performing				Non-Performing
Real estate-mortgage		$	238,323			$	1,222
Consumer			16,310				-
Total		$	254,633			$	1,222

		December 31, 2013
		Performing				Non-Performing
Real estate-mortgage		$	234,450			$	1,239
Consumer			15,803				61
Total		$	250,253			$	1,300

Classes of Loan Portfolio by Categories

		March 31, 2014
		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		$	125,854			$	-			$	-			$	-			$	-			$	125,854			$	-
Commercial loans secured by real estate			404,219				299				253				332				884				405,103				-
Real estate-mortgage			236,729				1,229				530				1,057				2,816				239,545				-
Consumer			16,264				43				3				-				46				16,310				-
Total		$	783,066			$	1,571			$	786			$	1,389			$	3,746			$	786,812			$	-

		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
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			$	-

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