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Allowance For Loan Losses (Tables)

6 Months Ended

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			$	-