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Allowance For Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2014
Allowance for Loan Losses [Abstract] |
Rollforward of the Allowance for Loan Losses by Portfolio Segment |
|  | Three months ended September 30, 2014
|  | Balance at June 30, 2014 |  | Charge-Offs |  | Recoveries |  | Provision (Credit) |  | Balance at September 30, 2014
Commercial |  | $ | 3,254 |  |  | $ | — |  |  | $ | 6 |  |  | $ | 35 |  |  | $ | 3,295 |
Commercial loans secured by real estate |  |  | 4,475 |  |  |  | (506 | ) |  |  | 24 |  |  |  | (78 | ) |  |  | 3,915 |
Real estate-mortgage |  |  | 1,301 |  |  |  | (103 | ) |  |  | 29 |  |  |  | 115 |  |  |  | 1,342 |
Consumer |  |  | 145 |  |  |  | (24 | ) |  |  | 6 |  |  |  | 24 |  |  |  | 151 |
Allocation for general risk |  |  | 975 |  |  |  | — |  |  |  | — |  |  |  | (96 | ) |  |  | 879 |
Total |  | $ | 10,150 |  |  | $ | (633 | ) |  | $ | 65 |  |  | $ | — |  |  | $ | 9,582 |
|  | Three months ended September 30, 2013
|  | 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 |
|  | Nine months ended September 30, 2014
|  | Balance at December 31, 2013 |  | Charge-Offs |  | Recoveries |  | Provision (Credit) |  | Balance at September 30, 2014
Commercial |  | $ | 2,844 |  |  | $ | (72 | ) |  | $ | 111 |  |  | $ | 412 |  |  | $ | 3,295 |
Commercial loans secured by real estate |  |  | 4,885 |  |  |  | (572 | ) |  |  | 196 |  |  |  | (594 | ) |  |  | 3,915 |
Real estate-mortgage |  |  | 1,260 |  |  |  | (176 | ) |  |  | 54 |  |  |  | 204 |  |  |  | 1,342 |
Consumer |  |  | 136 |  |  |  | (82 | ) |  |  | 19 |  |  |  | 78 |  |  |  | 151 |
Allocation for general risk |  |  | 979 |  |  |  | — |  |  |  | — |  |  |  | (100 | ) |  |  | 879 |
Total |  | $ | 10,104 |  |  | $ | (902 | ) |  | $ | 380 |  |  | $ | — |  |  | $ | 9,582 |
|  | Nine months ended September 30, 2013
|  | 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 |
Summary of Primary Segments of Loan Portfolio |
|  | At September 30, 2014
|  | Commercial |  | Commercial Loans Secured by Real Estate |  | Real Estate- Mortgage |  | Consumer |  | Allocation for General Risk |  | Total
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | — |  |  | $ | 1,444 |  |  | $ | — |  |  | $ | — |  |  |  |  |  |  | $ | 1,444 |
Collectively evaluated for impairment |  |  | 134,352 |  |  |  | 402,799 |  |  |  | 257,567 |  |  |  | 17,761 |  |  |  |  |  |  |  | 812,479 |
Total loans |  | $ | 134,352 |  |  | $ | 404,243 |  |  | $ | 257,567 |  |  | $ | 17,761 |  |  |  |  |  |  | $ | 813,923 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Specific reserve allocation |  | $ | — |  |  | $ | 547 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 547 |
General reserve allocation |  |  | 3,295 |  |  |  | 3,368 |  |  |  | 1,342 |  |  |  | 151 |  |  |  | 879 |  |  |  | 9,035 |
Total allowance for loan losses |  | $ | 3,295 |  |  | $ | 3,915 |  |  | $ | 1,342 |  |  | $ | 151 |  |  | $ | 879 |  |  | $ | 9,582 |
|  | 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 |
|  | September 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 |  | $ | 1,064 |  |  | $ | 547 |  |  | $ | 380 |  |  | $ | 1,444 |  |  | $ | 1,981 |
Total impaired loans |  | $ | 1,064 |  |  | $ | 547 |  |  | $ | 380 |  |  | $ | 1,444 |  |  | $ | 1,981 |
|  | 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 September 30, |  | Nine months ended September 30,
|  | 2014 |  | 2013 |  | 2014 |  | 2013
Average loan balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | - |  |  |  | 50 |  |  |  | - |  |  |  | 6 |
Commercial loans secured by real estate |  | $ | 1,897 |  |  | $ | 2,170 |  |  | $ | 2,012 |  |  | $ | 2,904 |
Consumer |  |  | — |  |  |  | 63 |  |  |  | — |  |  |  | 18 |
Average investment in impaired loans |  | $ | 1,897 |  |  | $ | 2,283 |  |  | $ | 2,012 |  |  | $ | 2,928 |
Interest income recognized: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans secured by real estate |  | $ | 4 |  |  | $ | 3 |  |  | $ | 6 |  |  | $ | 7 |
Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1 |
Interest income recognized on a cash basis on impaired loans |  | $ | 4 |  |  | $ | 3 |  |  | $ | 6 |  |  | $ | 8 |
Loan Portfolio Summarized by Categories |
|  | September 30, 2014
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Total
Commercial |  | $ | 128,253 |  |  | $ | 100 |  |  | $ | 5,861 |  |  | $ | 138 |  |  | $ | 134,352 |
Commercial loans secured by real estate |  |  | 399,334 |  |  |  | 627 |  |  |  | 3,995 |  |  |  | 287 |  |  |  | 404,243 |
Total |  | $ | 527,587 |  |  | $ | 727 |  |  | $ | 9,586 |  |  | $ | 425 |  |  | $ | 538,595 |
|  | 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 |
|  | September 30, 2014
|  | Performing |  | Non-Performing
Real estate-mortgage |  | $ | 255,796 |  |  | $ | 1,771 |
Consumer |  |  | 17,761 |  |  |  | — |
Total |  | $ | 273,557 |  |  | $ | 1,771 |
|  | 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 |
|  | September 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 |  | $ | 134,287 |  |  | $ | 65 |  |  | $ | — |  |  | $ | — |  |  | $ | 65 |  |  | $ | 134,352 |  |  | $ | — |
Commercial loans secured by real estate |  |  | 403,561 |  |  |  | 250 |  |  |  | — |  |  |  | 432 |  |  |  | 682 |  |  |  | 404,243 |  |  |  | — |
Real estate-mortgage |  |  | 254,076 |  |  |  | 1,605 |  |  |  | 422 |  |  |  | 1,464 |  |  |  | 3,491 |  |  |  | 257,567 |  |  |  | — |
Consumer |  |  | 17,672 |  |  |  | 67 |  |  |  | 22 |  |  |  | — |  |  |  | 89 |  |  |  | 17,761 |  |  |  | — |
Total |  | $ | 809,596 |  |  | $ | 1,987 |  |  | $ | 444 |  |  | $ | 1,896 |  |  | $ | 4,327 |  |  | $ | 813,923 |  |  | $ | — |
|  | 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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