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Allowance for Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2015
Allowance for Loan Losses [Abstract] |
Rollforward of the Allowance for Loan Losses by Portfolio Segment |
|  | Three months ended September 30, 2015, |
|  | Balance at June 30, 2015 |  |  | Charge- Offs |  |  | Recoveries |  |  | Provision (Credit) |  |  | Balance at September 30, 2015 |
Commercial |  | $ | 3,171 |  |  | $ | (35 | ) |  | $ | 21 |  |  | $ | (47 | ) |  | $ | 3,110 |
Commercial loans secured by real estate |  |  | 4,140 |  |  |  | (235 | ) |  |  | 3 |  |  |  | 113 |  |  |  | 4,021 |
Real estate-mortgage |  |  | 1,321 |  |  |  | (85 | ) |  |  | 98 |  |  |  | 58 |  |  |  | 1,392 |
Consumer |  |  | 201 |  |  |  | (18 | ) |  |  | 6 |  |  |  | 88 |  |  |  | 277 |
Allocation for general risk |  |  | 884 |  |  |  | - |  |  |  | - |  |  |  | 88 |  |  |  | 972 |
Total |  | $ | 9,717 |  |  | $ | (373 | ) |  | $ | 128 |  |  | $ | 300 |  |  | $ | 9,772 |
|  | 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 |
|  | Nine months ended September 30, 2015, |
|  | Balance at December 31, 2014 |  |  | Charge- Offs |  |  | Recoveries |  |  | Provision (Credit) |  |  | Balance at September 30, 2015 |
Commercial |  | $ | 3,262 |  |  | $ | (156 | ) |  | $ | 35 |  |  | $ | (31 | ) |  | $ | 3,110 |
Commercial loans secured by real estate |  |  | 3,902 |  |  |  | (250 | ) |  |  | 54 |  |  |  | 315 |  |  |  | 4,021 |
Real estate-mortgage |  |  | 1,310 |  |  |  | (376 | ) |  |  | 153 |  |  |  | 305 |  |  |  | 1,392 |
Consumer |  |  | 190 |  |  |  | (81 | ) |  |  | 20 |  |  |  | 148 |  |  |  | 277 |
Allocation for general risk |  |  | 959 |  |  |  | - |  |  |  | - |  |  |  | 13 |  |  |  | 972 |
Total |  | $ | 9,623 |  |  | $ | (863 | ) |  | $ | 262 |  |  | $ | 750 |  |  | $ | 9,772 |
|  | 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 |
Summary of Primary Segments of Loan Portfolio |
|  | At September 30, 2015 |
|  | Commercial |  |  | Commercial Loans Secured by Real Estate |  |  | Real Estate- Mortgage |  |  | Consumer |  |  | Allocation for General Risk |  |  | Total |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 473 |  |  | $ | 422 |  |  | $ | — |  |  | $ | 70 |  |  |  |  |  |  | $ | 965 |
Collectively evaluated for impairment |  |  | 168,999 |  |  |  | 417,746 |  |  |  | 257,530 |  |  |  | 20,060 |  |  |  |  |  |  |  | 864,335 |
Total loans |  | $ | 169,472 |  |  | $ | 418,168 |  |  | $ | 257,530 |  |  | $ | 20,130 |  |  |  |  |  |  | $ | 865,300 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Specific reserve allocation |  | $ | 195 |  |  | $ | 259 |  |  | $ | — |  |  | $ | 70 |  |  | $ | — |  |  | $ | 524 |
General reserve allocation |  |  | 2,915 |  |  |  | 3,762 |  |  |  | 1,392 |  |  |  | 207 |  |  |  | 972 |  |  |  | 9,248 |
Total allowance for loan losses |  | $ | 3,110 |  |  | $ | 4,021 |  |  | $ | 1,392 |  |  | $ | 277 |  |  | $ | 972 |  |  | $ | 9,772 |
|  | At December 31, 2014 |
|  | Commercial |  |  | Commercial Loans Secured by Real Estate |  |  | Real Estate- Mortgage |  |  | Consumer |  |  | Allocation for General Risk |  |  | Total |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 |
Impaired Loans by Class |
|  | September 30, 2015 |
|  | 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 |  | $ | 473 |  |  | $ | 195 |  |  | $ | - |  |  | $ | 473 |  |  | $ | 476 |
Commercial loans secured by real estate |  |  | 378 |  |  |  | 259 |  |  |  | 44 |  |  |  | 422 |  |  |  | 507 |
Consumer |  |  | 70 |  |  |  | 70 |  |  |  | - |  |  |  | 70 |  |  |  | 70 |
Total impaired loans |  | $ | 921 |  |  | $ | 524 |  |  | $ | 44 |  |  | $ | 965 |  |  | $ | 1,053 |
|  | 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 |
Commercial loans secured by real estate |  | $ | 989 |  |  | $ | 520 |  |  | $ | - |  |  | $ | 989 |  |  | $ | 1,069 |
Total impaired loans |  | $ | 989 |  |  | $ | 520 |  |  | $ | - |  |  | $ | 989 |  |  | $ | 1,069 |
Average Recorded Investment in Impaired Loans and Related Interest Income Recognized |
|  | Three months ended September 30, |  |  | Nine months ended September 30, |
|  | 2015 |  |  | 2014 |  |  | 2015 |  |  | 2014 |
Average loan balance: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 347 |  |  | $ | - |  |  | $ | 189 |  |  | $ | - |
Commercial loans secured by real estate |  |  | 966 |  |  |  | 1,897 |  |  |  | 1,583 |  |  |  | 2,012 |
Consumer |  |  | 35 |  |  |  | - |  |  |  | 23 |  |  |  | - |
Average investment in impaired loans |  | $ | 1,348 |  |  | $ | 1,897 |  |  | $ | 1,795 |  |  | $ | 2,012 |
Interest income recognized: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 7 |  |  | $ | - |  |  | $ | 17 |  |  | $ | - |
Commercial loans secured by real estate |  |  | 5 |  |  |  | 4 |  |  |  | 15 |  |  |  | 6 |
Consumer |  |  | - |  |  |  | - |  |  |  | 1 |  |  |  | - |
Interest income recognized on a cash basis on impaired loans |  | $ | 12 |  |  | $ | 4 |  |  | $ | 33 |  |  | $ | 6 |
Loan Portfolio Summarized by Categories |
|  | September 30, 2015 |
|  | Pass |  |  | Special Mention |  |  | Substandard |  |  |  | Doubtful |  |  | Total |
Commercial |  | $ | 166,822 |  |  | $ | 744 |  |  | $ | 1,778 |  |  | $ | 128 |  |  | $ | 169,472 |
Commercial loans secured by real estate |  |  | 412,270 |  |  |  | 2,942 |  |  |  | 2,937 |  |  |  | 19 |  |  |  | 418,168 |
Total |  | $ | 579,092 |  |  | $ | 3,686 |  |  | $ | 4,715 |  |  | $ | 147 |  |  | $ | 587,640 |
|  | December 31, 2014 |
|  | Pass |  |  | Special Mention |  |  | Substandard |  |  |  | Doubtful |  |  | Total |
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 |
Performing and Non-performing Outstanding Balances |
|  | September 30, 2015 |
|  | Performing |  |  | Non-Performing |
Real estate- mortgage |  | $ | 255,901 |  |  | $ | 1,629 |
Consumer |  |  | 20,060 |  |  |  | 70 |
Total |  | $ | 275,961 |  |  | $ | 1,699 |
|  | December 31, 2014 |
|  | Performing |  |  | Non-Performing |
Real estate- mortgage |  | $ | 257,199 |  |  | $ | 1,417 |
Consumer |  |  | 19,009 |  |  |  | - |
Total |  | $ | 276,208 |  |  | $ | 1,417 |
Classes of Loan Portfolio by Categories |
|  | September 30, 2015 |
|  | 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 |  | $ | 168,872 |  |  | $ | 600 |  |  | $ | — |  |  | $ | — |  |  | $ | 600 |  |  | $ | 169,472 |  |  | $ | — |
Commercial loans secured by real estate |  |  | 418,168 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 418,168 |  |  |  | — |
Real estate- mortgage |  |  | 254,125 |  |  |  | 1,887 |  |  |  | 801 |  |  |  | 717 |  |  |  | 3,405 |  |  |  | 257,530 |  |  |  | — |
Consumer |  |  | 19,607 |  |  |  | 446 |  |  |  | 77 |  |  |  | — |  |  |  | 523 |  |  |  | 20,130 |  |  |  | — |
Total |  | $ | 860,772 |  |  | $ | 2,933 |  |  | $ | 878 |  |  | $ | 717 |  |  | $ | 4,528 |  |  | $ | 865,300 |  |  | $ | — |
|  | 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 |
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 |  |  | $ | — |

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