Allowance For Loan Losses And Credit Quality Of Financing Receivables (Tables)

9 Months Ended

Sep. 30, 2013

Allowance For Loan Losses And Credit Quality Of Financing Receivables [Abstract]

Changes In The Allowance For Loan Losses

	Commercial				Commercial		Residential		Consumer
	and				Real		Real		and
(Dollars in	Industrial		Construction		Estate		Estate		Other		Unallocated		Total
thousands)
Three Months Ended:
September 30, 2013
Beginning balance	$	249	$	400	$	3,472	$	990	$	15	$	521	$	5,647
Charge-offs		-		(19)		(747)		(89)		(7)		-		(862)
Recoveries		-		-		343		24		3		-		370
Provision		(10)		16		358		(58)		4		190		500
Ending balance	$	239	$	397	$	3,426	$	867	$	15	$	711	$	5,655
September 30, 2012
Beginning balance	$	430	$	170	$	4,547	$	1,055	$	11	$	47	$	6,260
Charge-offs		-		(122)		(264)		(266)		(8)		-		(660)
Recoveries		-		-		2		-		15		-		17
Provision		183		131		153		393		(10)		254		1,104
Ending balance	$	613	$	179	$	4,438	$	1,182	$	8	$	301	$	6,721
Nine Months Ended:
September 30, 2013
Beginning balance	$	271	$	223	$	3,395	$	869	$	38	$	180	$	4,976
Charge-offs		(6)		(141)		(1,759)		(155)		(22)		-		(2,083)
Recoveries		-		-		387		24		9		-		420
Provision		(26)		315		1,403		129		(10)		531		2,342
Ending balance	$	239	$	397	$	3,426	$	867	$	15	$	711	$	5,655
September 30, 2012
Beginning balance	$	304	$	294	$	4,833	$	987	$	9	$	783	$	7,210
Charge-offs		-		(830)		(2,081)		(546)		(53)		-		(3,510)
Recoveries		2		-		71		-		26		-		99
Provision		307		715		1,615		741		26		(482)		2,922
Ending balance	$	613	$	179	$	4,438	$	1,182	$	8	$	301	$	6,721

Allowances Of Loan Losses And Loans Receivable By Class Disaggregated

	Allowance for Loan Losses						Loans Receivable
			Balance		Balance
			Related to		Related to
			Loans		Loans
			Individually		Collectively				Individually		Collectively
			Evaluated for		Evaluated for				Evaluated for		Evaluated for
(Dollars in thousands)	Balance		Impairment		Impairment		Balance		Impairment		Impairment
September 30, 2013
Commercial and industrial	$	239	$	-	$	239	$	17,999	$	-	$	17,999
Construction		397		27		370		9,649		269		9,380
Commercial real estate		3,426		308		3,118		256,976		10,930		246,046
Residential real estate		867		99		768		106,448		2,819		103,629
Consumer and other loans		15		-		15		1,615		-		1,615
Unallocated		711		-		-		-		-		-
Total	$	5,655	$	434	$	4,510	$	392,687	$	14,018	$	378,669
December 31, 2012
Commercial and industrial	$	271	$	27	$	244	$	16,158	$	27	$	16,131
Construction		223		42		181		7,004		2,462		4,542
Commercial real estate		3,395		230		3,165		225,345		12,682		212,663
Residential real estate		869		66		803		98,301		3,351		94,950
Consumer and other loans		38		-		38		1,255		-		1,255
Unallocated		180		-		-		-		-		-
Total	$	4,976	$	365	$	4,431	$	348,063	$	18,522	$	329,541

An Age Analysis Of Loans Receivable

													Recorded
													Investment
					Greater						Total		> 90 Days
	30-59 Days		60-89 days		Than		Total Past				Financing		and
(Dollars in thousands)	Past Due		Past Due		90 Days (a)		Due		Current		Receivables		Accruing
September 30, 2013
Commercial and industrial	$	-	$	-	$	50	$	50	$	17,949	$	17,999	$	50
Construction		-		-		269		269		9,380		9,649		-
Commercial real estate		988		260		10,319		11,567		245,409		256,976		-
Residential real estate		372		407		2,962		3,741		102,707		106,448		144
Consumer and other		2		5		3		10		1,605		1,615		3
Total	$	1,362	$	672	$	13,603	$	15,637	$	377,050	$	392,687	$	197
December 31, 2012
Commercial and industrial	$	-	$	-	$	27	$	27	$	16,131	$	16,158	$	-
Construction		-		-		2,462		2,462		4,542		7,004		-
Commercial real estate		1,103		1,303		12,127		14,533		210,812		225,345		65
Residential real estate		207		127		3,315		3,649		94,652		98,301		-
Consumer and other		12		3		144		159		1,096		1,255		143
Total	$	1,322	$	1,433	$	18,075	$	20,830	$	327,233	$	348,063	$	208
(a) includes loans greater than 90 days past due and still accruing and non-accrual loans.

Loans Which The Accrual Of Interest Has Been Discontinued

(Dollars in thousands)	September 30, 2013		December 31, 2012
Commercial and industrial	$	-	$	27
Construction		269		2,462
Commercial real estate		10,319		12,062
Residential real estate		2,818		3,315
Consumer and other		-		1
Total	$	13,406	$	17,867

Credit Risk Profile By Creditworthiness

			Special
(Dollars in thousands)	Pass		Mention		Substandard		Doubtful		Total
September 30, 2013
Commercial and industrial	$	17,936	$	63	$	-	$	-	$	17,999
Construction		9,380		-		269		-		9,649
Commercial real estate		234,820		7,188		14,968		-		256,976
Residential real estate		102,371		1,045		3,017		15		106,448
Consumer and other		1,474		141		-		-		1,615
	$	365,981	$	8,437	$	18,254	$	15	$	392,687
December 31, 2012
Commercial and industrial	$	15,860	$	269	$	23	$	6	$	16,158
Construction		4,542		-		2,462		-		7,004
Commercial real estate		203,106		4,648		17,256		335		225,345
Residential real estate		93,563		253		4,485		-		98,301
Consumer and other		1,112		-		143		-		1,255
	$	318,183	$	5,170	$	24,369	$	341	$	348,063

Impaired Loans

		September 30, 2013						December 31, 2012
			Unpaid						Unpaid
	Recorded		Principal		Related		Recorded		Principal		Related
(Dollars in thousands)	Investment		Balance		Allowance		Investment		Balance		Allowance
With no related allowance recorded:
Construction	$	-	$	-	$	-	$	2,421	$	2,743	$	-
Commercial real estate		8,039		8,398		-		10,466		13,581		-
Residential real estate		2,182		2,237		-		2,675		2,768		-
With an allowance recorded:
Commercial and industrial		-		-		-		27		27		27
Construction		269		391		27		42		42		42
Commercial real estate		2,891		3,967		308		2,216		3,135		230
Residential real estate		637		730		99		675		675		66
Total:
Commercial and industrial		-		-		-		27		27		27
Construction		269		391		27		2,463		2,785		42
Commercial real estate		10,930		12,365		308		12,682		16,716		230
Residential real estate		2,819		2,967		99		3,350		3,443		66
	$	14,018	$	15,723	$	434	$	18,522	$	22,971	$	365

The following table presents the average recorded investment and income recognized for the three and nine months ended September 30, 2013 and 2012:

	For the Three Months Ended September 30, 2013				For the Three Months Ended September 30, 2012
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
(Dollars in thousands)	Investment		Recognized		Investment		Recognized
With no related allowance recorded:
Construction	$	-	$	-	$	2,251	$	-
Commercial real estate		8,386		11		4,538		12
Residential real estate		2,261		22		1,964		9
Total impaired loans without a related allowance		10,647		33		8,753		21
With an allowance recorded:
Commercial and industrial		-		-		398		-
Construction		328		-		1,765		3
Commercial real estate		2,764		-		13,092		10
Residential real estate		887		-		991		2
Total impaired  loans with an allowance		3,979		-		16,246		15
Total impaired loans	$	14,626	$	33	$	24,999	$	36

	For the Nine Months Ended September 30, 2013				For the Nine Months Ended September 30, 2012
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
(Dollars in thousands)	Investment		Recognized		Investment		Recognized
With no related allowance recorded:
Construction	$	329	$	-	$	1,986	$	-
Commercial real estate		8,334		51		6,505		42
Residential real estate		2,288		24		1,756		41
Total impaired loans without a related allowance		10,951		75		10,247		83
With an allowance recorded:
Commercial and industrial		-		-		189		-
Construction		374		-		1,405		3
Commercial real estate		2,927		-		14,610		59
Residential real estate		946		3		786		17
Total impaired  loans with an allowance		4,247		3		16,990		79
Total impaired loans	$	15,198	$	78	$	27,237	$	162

Troubled Debt Restructured On Recorded Investment

(Dollars in thousands)		Commercial Real Estate	Commercial & Industrial		Residential Real Estate		Total
September 30, 2013
Performing	$	612	$	-	$	-	$	612
Non-performing		4,720		-		527		5,247
Total	$	5,332	$	-	$	527	$	5,859
December 31, 2012
Performing	$	603	$	-	$	5	$	608
Non-performing		1,829		6		228		2,063
Total	$	2,432	$	6	$	233	$	2,671

Summary Of Troubled Debt Restructured

		Pre-Modification		Post-Modification
		Outstanding		Outstanding
	Number of	Recorded		Recorded
(Dollars in thousands)	Loans	Investment		Investment
Three months ended September 30, 2013
Commercial real estate	1	$	1,201	$	1,201
Nine months ended September 30, 2013
Commercial real estate	3	$	3,100	$	3,100
Residential real estate	1		302		302