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ALLOWANCE FOR LOAN LOSSES (Tables)

12 Months Ended

Dec. 31, 2014

ALLOWANCE FOR LOAN LOSSES [Abstract]

Rollforward of the Allowance for Loan Losses by Portfolio Segment

		BALANCE AT DECEMBER 31, 2013				CHARGE- OFFS				RECOVERIES				PROVISION (CREDIT)				BALANCE AT DECEMBER 31, 2014
Commercial		$	2,844			$	(172	)		$	141			$	449			$	3,262
Commercial loans secured by real estate			4,885				(708	)			231				(506	)			3,902
Real estate- mortgage			1,260				(322	)			71				301				1,310
Consumer			136				(121	)			24				151				190
Allocation for general risk			979				-				-				(20	)			959
Total		$	10,104			$	(1,323	)		$	467			$	375			$	9,623

		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

Summary of Primary Segments of Loan Portfolio

		AT DECEMBER 31, 2014
		(IN THOUSANDS)
Loans:		COMMERCIAL				COMMERCIAL LOANS SECURED BY REAL ESTATE				REAL ESTATE- MORTGAGE				CONSUMER				TOTAL
Individually evaluated for impairment		$	—			$	989			$	—			$	—			$	989
Collectively evaluated for impairment			139,126				409,340				258,616				19,009				826,091
Total loans		$	139,126			$	410,329			$	258,616			$	19,009			$	827,080

		AT DECEMBER 31, 2014
		(IN THOUSANDS)
Allowance for loan losses:		COMMERCIAL				COMMERCIAL LOANS SECURED BY REAL ESTATE				REAL ESTATE- MORTGAGE				CONSUMER				ALLOCATION FOR GENERAL RISK				TOTAL
Specific reserve allocation		$	—			$	520			$	—			$	—			$	—			$	520
General reserve allocation			3,262				3,382				1,310				190				959				9,103
Total allowance for loan losses		$	3,262			$	3,902			$	1,310			$	190			$	959			$	9,623

		AT DECEMBER 31, 2013
		(IN THOUSANDS)
Loans:		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

		AT DECEMBER 31, 2013
		(IN THOUSANDS)
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

Schedule of Impaired Loans by Class

		DECEMBER 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
		(IN THOUSANDS)
Commercial loans secured by real estate		$	989			$	520			$	-			$	989			$	1,069
Total impaired loans		$	989			$	520			$	-			$	989			$	1,069

		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

Average Recorded Investment in Impaired Loans and Related Interest Income Recognized

		YEAR ENDED DECEMBER 31,
		2014				2013				2012
		(IN THOUSANDS)
Average impaired balance:
Commercial		$	—			$	13			$	13
Commercial loans secured by real estate			1,756				2,459				3,754
Consumer			—				37				3
Average investment in impaired loans		$	1,756			$	2,509			$	3,770
Interest income recognized:
Commercial		$	—			$	—			$	—
Commercial loans secured by real estate			12				11				—
Consumer			—				3				—
Interest income recognized on a cash basis on impaired loans		$	12			$	14			$	—

Loan Portfolio Summarized by Categories

		DECEMBER 31, 2014
		PASS				SPECIAL MENTION				SUBSTANDARD					DOUBTFUL			TOTAL
		(IN THOUSANDS)
Commercial		$	132,665			$	161			$	6,164			$	136			$	139,126
Commercial loans secured by real estate			406,195				620				3,238				276				410,329
Total		$	538,860			$	781			$	9,402			$	412			$	549,455

		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

Performing and Non-performing Outstanding Balances

		DECEMBER 31, 2014
		PERFORMING				NON- PERFORMING
		(IN THOUSANDS)
Real estate- mortgage		$	257,199			$	1,417
Consumer			19,009				-
Total		$	276,208			$	1,417

		December 31, 2013
		PERFORMING				NON- PERFORMING
		(IN THOUSANDS)
Real estate- mortgage		$	234,450			$	1,239
Consumer			15,803				61
Total		$	250,253			$	1,300

Categories of Loan Portfolio by Aging Categories

		DECEMBER 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
		(IN THOUSANDS)
Commercial		$	139,126			$	—			$	—			$	—			$	—			$	139,126			$	—
Commercial loans secured by real estate			410,049				280				—				—				280				410,329				—
Real estate- mortgage			255,021				2,196				332				1,067				3,595				258,616				—
Consumer			18,927				74				8				—				82				19,009				—
Total		$	823,123			$	2,550			$	340			$	1,067			$	3,957			$	827,080			$	—

		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			$	—

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Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

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-Publisher FASB

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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.

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