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

6 Months Ended

Jun. 30, 2014

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:
June 30, 2014
Beginning balance	$	289	$	315	$	3,687	$	862	$	19	$	265	$	5,437
Charge-offs		(1)		-		-		1		(9)		-		(9)
Recoveries		3		-		17		3		3		-		26
Provision		(34)		39		46		(29)		-		378		400
Ending balance	$	257	$	354	$	3,750	$	837	$	13	$	643	$	5,854
June 30, 2013
Beginning balance	$	275		401		3,452		899		12		267	$	5,306
Charge-offs		-		(80)		(273)		(38)		(6)		-		(397)
Recoveries		-		-		37		-		1		-		38
Provision		(26)		79		256		129		8		254		700
Ending balance	$	249	$	400	$	3,472	$	990	$	15	$	521	$	5,647
Six Months Ended:
June 30, 2014
Beginning balance	$	222	$	308	$	3,399	$	941	$	16	$	535	$	5,421
Charge-offs		(1)		-		(358)		(85)		(22)		-		(466)
Recoveries		15		-		21		4		6		-		46
Provision		21		46		688		(23)		13		108		853
Ending balance	$	257	$	354	$	3,750	$	837	$	13	$	643	$	5,854
June 30, 2013
Beginning balance	$	271		223		3,395		869		38		180	$	4,976
Charge-offs		(6)		(122)		(1,012)		(66)		(15)		-		(1,221)
Recoveries		-		-		44		-		6		-		50
Provision		(16)		299		1,045		187		(14)		341		1,842
Ending balance	$	249	$	400	$	3,472	$	990	$	15	$	521	$	5,647

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
June 30, 2014
Commercial and industrial	$	257	$	-	$	257	$	19,189	$	-	$	19,189
Construction		354		-		354		8,923		-		8,923
Commercial real estate		3,750		547		3,203		292,620		9,559		283,061
Residential real estate		837		88		749		106,471		2,229		104,242
Consumer and other loans		13		-		13		1,488		-		1,488
Unallocated		643		-		-		-		-		-
Total	$	5,854	$	635	$	4,576	$	428,691	$	11,788	$	416,903
December 31, 2013
Commercial and industrial	$	222	$	-	$	222	$	15,205	$	-	$	15,205
Construction		308		-		308		7,307		-		7,307
Commercial real estate		3,399		322		3,077		260,664		10,894		249,770
Residential real estate		941		163		778		107,992		2,626		105,366
Consumer and other loans		16		-		16		1,617		-		1,617
Unallocated		535		-		-		-		-		-
Total	$	5,421	$	485	$	4,401	$	392,785	$	13,520	$	379,265

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
June 30, 2014
Commercial and industrial	$	62	$	-	$	-	$	62	$	19,127	$	19,189	$	-
Construction		-		-		-		-		8,923		8,923		-
Commercial real estate		2,396		338		8,375		11,109		281,511		292,620		-
Residential real estate		177		-		1,824		2,001		104,470		106,471		-
Consumer and other		6		-		1		7		1,481		1,488		-
Total	$	2,641	$	338	$	10,200	$	13,179	$	415,512	$	428,691	$	-
December 31, 2013
Commercial and industrial	$	13	$	-	$	-	$	13	$	15,192	$	15,205	$	-
Construction		-		-		-		-		7,307		7,307		-
Commercial real estate		2,139		775		9,823		12,737		247,927		260,664		123
Residential real estate		495		247		2,192		2,934		105,058		107,992		-
Consumer and other		7		1		-		8		1,609		1,617		-
Total	$	2,654	$	1,023	$	12,015	$	15,692	$	377,093	$	392,785	$	123
(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)	June 30, 2014		December 31, 2013
Commercial real estate	$	8,375	$	9,700
Residential real estate		1,824		2,192
Consumer and other		1		-
Total	$	10,200	$	11,892

Credit Risk Profile By Creditworthiness

			Special
(Dollars in thousands)	Pass		Mention		Substandard		Doubtful		Total
June 30, 2014
Commercial and industrial	$	19,170	$	19	$	-	$	-	$	19,189
Construction		8,923		-		-		-		8,923
Commercial real estate		274,480		6,358		11,651		131		292,620
Residential real estate		103,963		117		2,391		-		106,471
Consumer and other		1,487		-		1		-		1,488
	$	408,023	$	6,494	$	14,043	$	131	$	428,691
December 31, 2013
Commercial and industrial	$	15,192	$	13	$	-	$	-	$	15,205
Construction		7,307		-		-		-		7,307
Commercial real estate		240,204		7,378		12,917		165		260,664
Residential real estate		104,383		871		2,738		-		107,992
Consumer and other		1,477		140		-		-		1,617
	$	368,563	$	8,402	$	15,655	$	165	$	392,785

Impaired Loans

		June 30, 2014						December 31, 2013
			Unpaid						Unpaid
	Recorded		Principal		Related		Recorded		Principal		Related
(Dollars in thousands)	Investment		Balance		Allowance		Investment		Balance		Allowance
With no related allowance recorded:
Commercial real estate	$	4,279	$	5,141	$	-	$	7,394	$	7,967	$	-
Residential real estate		1,687		1,712		-		1,849		1,874		-
With an allowance recorded:
Commercial real estate		5,280		6,375		547		3,500		4,595		322
Residential real estate		542		542		88		777		871		163
Total:
Commercial real estate		9,559		11,516		547		10,894		12,562		322
Residential real estate		2,229		2,254		88		2,626		2,745		163
	$	11,788	$	13,770	$	635	$	13,520	$	15,307	$	485

The following table presents the average recorded investment and income recognized for the three and six months ended June 30, 2014 and 2013:

	For the Three Months Ended June 30, 2014				For the Three Months Ended June 30, 2013
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
(Dollars in thousands)	Investment		Recognized		Investment		Recognized
With no related allowance recorded:
Construction	$	-	$	-	$	494	$	-
Commercial real estate		4,321		10		5,181		1
Residential real estate		1,683		9		1,516		-
Total impaired loans without a related allowance		6,004		19		7,191		1
With an allowance recorded:
Construction		-		-		427		-
Commercial real estate		5,298		-		6,246		32
Residential real estate		678		3		1,924		2
Total impaired  loans with an allowance		5,977		3		8,597		34
Total impaired loans	$	11,981	$	22	$	15,788	$	35

	For the Six Months Ended June 30, 2014				For the Six Months Ended June 30, 2013
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
(Dollars in thousands)	Investment		Recognized		Investment		Recognized
With no related allowance recorded:
Construction	$	-	$	-	$	993	$	-
Commercial real estate		5,372		18		5,431		3
Residential real estate		1,792		29		1,519		-
Total impaired loans without a related allowance		7,164		47		7,943		3
With an allowance recorded:
Commercial and industrial		-		-		9		-
Construction		-		-		441		-
Commercial real estate		4,672		1		6,415		37
Residential real estate		747		7		1,891		5
Total impaired  loans with an allowance		5,420		8		8,756		42
Total impaired loans	$	12,584	$	55	$	16,699	$	45

Troubled Debt Restructured On Recorded Investment

(Dollars in thousands)		Commercial Real Estate	Residential Real Estate		Total
June 30, 2014
Performing	$	1,184	$	427	$	1,611
Non-performing		2,965		225		3,190
Total	$	4,149	$	652	$	4,801
December 31, 2013
Performing	$	1,195	$	433	$	1,628
Non-performing		3,000		496		3,496
Total	$	4,195	$	929	$	5,124

Summary Of Troubled Debt Restructured

		Pre-Modification		Post-Modification
		Outstanding		Outstanding
	Number of	Recorded		Recorded
(Dollars in thousands)	Loans	Investment		Investment
Three Months Ended:
June 30, 2013
Commercial real estate	1	$	1,736	$	1,736
Six Months Ended:
June 30, 2013
Commercial real estate	2	$	1,899	$	1,899
Residential real estate	1		302		302