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Allowance For Loan Losses (Tables) | 6 Months Ended
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Jun. 30, 2014
Allowance for Loan Losses [Abstract] |
Rollforward of the Allowance for Loan Losses by Portfolio Segment |
|  | Three months ended June 30, 2014
|  | Balance at March 31, 2014 |  | Charge-Offs |  | Recoveries |  | Provision (Credit) |  | Balance at June 30, 2014
Commercial |  | $ | 3,065 |  |  | $ | - |  |  | $ | 55 |  |  | $ | 134 |  |  | $ | 3,254 |
Commercial loans secured by real estate |  |  | 4,662 |  |  |  | - |  |  |  | 19 |  |  |  | (206 | ) |  |  | 4,475 |
Real estate-mortgage |  |  | 1,273 |  |  |  | (30 | ) |  |  | 11 |  |  |  | 47 |  |  |  | 1,301 |
Consumer |  |  | 139 |  |  |  | (22 | ) |  |  | 8 |  |  |  | 20 |  |  |  | 145 |
Allocation for general risk |  |  | 970 |  |  |  | - |  |  |  | - |  |  |  | 5 |  |  |  | 975 |
Total |  | $ | 10,109 |  |  | $ | (52 | ) |  | $ | 93 |  |  | $ | - |  |  | $ | 10,150 |
|  | Three months ended June 30, 2013
|  | 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 |
|  | Six months ended June 30, 2014
|  | Balance at December 31, 2013 |  | Charge-Offs |  | Recoveries |  | Provision (Credit) |  | Balance at June 30, 2014
Commercial |  | $ | 2,844 |  |  | $ | (72 | ) |  | $ | 105 |  |  | $ | 377 |  |  | $ | 3,254 |
Commercial loans secured by real estate |  |  | 4,885 |  |  |  | (66 | ) |  |  | 172 |  |  |  | (516 | ) |  |  | 4,475 |
Real estate-mortgage |  |  | 1,260 |  |  |  | (73 | ) |  |  | 25 |  |  |  | 89 |  |  |  | 1,301 |
Consumer |  |  | 136 |  |  |  | (58 | ) |  |  | 13 |  |  |  | 54 |  |  |  | 145 |
Allocation for general risk |  |  | 979 |  |  |  | - |  |  |  | - |  |  |  | (4 | ) |  |  | 975 |
Total |  | $ | 10,104 |  |  | $ | (269 | ) |  | $ | 315 |  |  | $ | - |  |  | $ | 10,150 |
|  | Six months ended June 30, 2013
|  | 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 |
Summary of Primary Segments of Loan Portfolio |
|  | At June 30, 2014
|  | Commercial |  | Commercial Loans Secured by Real Estate |  | Real Estate- Mortgage |  | Consumer |  | Allocation for General Risk |  | Total
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | - |  |  | $ | 2,350 |  |  | $ | - |  |  | $ | - |  |  |  |  |  |  | $ | 2,350 |
Collectively evaluated for impairment |  |  | 133,736 |  |  |  | 399,511 |  |  |  | 247,317 |  |  |  | 17,072 |  |  |  |  |  |  |  | 797,636 |
Total loans |  | $ | 133,736 |  |  | $ | 401,861 |  |  | $ | 247,317 |  |  | $ | 17,072 |  |  |  |  |  |  | $ | 799,986 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Specific reserve allocation |  | $ | - |  |  | $ | 1,025 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 1,025 |
General reserve allocation |  |  | 3,254 |  |  |  | 3,450 |  |  |  | 1,301 |  |  |  | 145 |  |  |  | 975 |  |  |  | 9,125 |
Total allowance for loan losses |  | $ | 3,254 |  |  | $ | 4,475 |  |  | $ | 1,301 |  |  | $ | 145 |  |  | $ | 975 |  |  | $ | 10,150 |
|  | At December 31, 2013
|  | Commercial |  | Commercial Loans Secured by Real Estate |  | Real Estate- Mortgage |  | Consumer |  | Allocation for General Risk |  | 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 |
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 |
Impaired Loans by Class |
|  | June 30, 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 |  | $ | 2,350 |  |  | $ | 1,025 |  |  | $ | - |  |  | $ | 2,350 |  |  | $ | 2,420 |
Total impaired loans |  | $ | 2,350 |  |  | $ | 1,025 |  |  | $ | - |  |  | $ | 2,350 |  |  | $ | 2,420 |
|  | 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 June 30, |  | Six months ended June 30,
|  | 2014 |  | 2013 |  | 2014 |  | 2013
Average loan balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans secured by real estate |  | $ | 2,296 |  |  | $ | 2,294 |  |  | $ | 2,678 |  |  | $ | 3,131 |
Consumer |  |  | - |  |  |  | 12 |  |  |  | - |  |  |  | 12 |
Average investment in impaired loans |  | $ | 2,296 |  |  | $ | 2,306 |  |  | $ | 2,678 |  |  | $ | 3,143 |
Interest income recognized: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans secured by real estate |  | $ | 1 |  |  | $ | - |  |  | $ | 2 |  |  | $ | - |
Interest income recognized on a cash basis on impaired loans |  | $ | 1 |  |  | $ | - |  |  | $ | 2 |  |  | $ | - |
Loan Portfolio Summarized by Categories |
|  | June 30, 2014
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Total
Commercial |  | $ | 125,021 |  |  | $ | 2,177 |  |  | $ | 6,397 |  |  | $ | 141 |  |  | $ | 133,736 |
Commercial loans secured by real estate |  |  | 392,813 |  |  |  | 3,699 |  |  |  | 4,648 |  |  |  | 701 |  |  |  | 401,861 |
Total |  | $ | 517,834 |  |  | $ | 5,876 |  |  | $ | 11,045 |  |  | $ | 842 |  |  | $ | 535,597 |
|  | 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 |
|  | June 30, 2014
|  | Performing |  | Non-Performing
Real estate-mortgage |  | $ | 245,709 |  |  | $ | 1,608 |
Consumer |  |  | 17,072 |  |  |  | - |
Total |  | $ | 262,781 |  |  | $ | 1,608 |
|  | 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 |
|  | June 30, 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 |  | $ | 133,703 |  |  | $ | 33 |  |  | $ | - |  |  | $ | - |  |  | $ | 33 |  |  | $ | 133,736 |  |  | $ | - |
Commercial loans secured by real estate |  |  | 400,367 |  |  |  | 180 |  |  |  | - |  |  |  | 1,314 |  |  |  | 1,494 |  |  |  | 401,861 |  |  |  | - |
Real estate-mortgage |  |  | 243,562 |  |  |  | 2,275 |  |  |  | 615 |  |  |  | 865 |  |  |  | 3,755 |  |  |  | 247,317 |  |  |  | - |
Consumer |  |  | 16,990 |  |  |  | 70 |  |  |  | 12 |  |  |  | - |  |  |  | 82 |  |  |  | 17,072 |  |  |  | - |
Total |  | $ | 794,622 |  |  | $ | 2,558 |  |  | $ | 627 |  |  | $ | 2,179 |  |  | $ | 5,364 |  |  | $ | 799,986 |  |  | $ | - |
|  | 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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