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

9 Months Ended

Sep. 30, 2015

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 thousands)	Industrial		Construction		Estate		Estate		Other		Unallocated		Total
Three Months Ended:
September 30, 2015
Beginning balance	$	86	$	277	$	3,613	$	898	$	86	$	792	$	5,752
Charge-offs		-		-		(119)		-		(6)		-		(125)
Recoveries		5		-		3		4		1		-		13
Provision		(8)		(57)		134		26		5		(99)		1
Ending balance	$	83	$	220	$	3,631	$	928	$	86	$	693	$	5,641
September 30, 2014
Beginning balance	$	257		354		3,750		837		13		643	$	5,854
Charge-offs		-		-		(495)		(33)		(9)		-		(537)
Recoveries		1		-		10		1		2		-		14
Provision		18		(53)		134		14		20		245		378
Ending balance	$	276	$	301	$	3,399	$	819	$	26	$	888	$	5,709
Nine Months Ended:
September 30, 2015
Beginning balance	$	231	$	383	$	3,491	$	903	$	19	$	614	$	5,641
Charge-offs		(19)		-		(542)		-		(17)		-		(578)
Recoveries		10		-		39		17		6		-		72
Provision		(139)		(163)		643		8		78		79		506
Ending balance	$	83	$	220	$	3,631	$	928	$	86	$	693	$	5,641
September 30, 2014
Beginning balance	$	222		308	$	3,399	$	941	$	16	$	535	$	5,421
Charge-offs		(1)		-		(853)		(118)		(31)		-		(1,003)
Recoveries		16		-		31		5		8		-		60
Provision		39		(7)		822		(9)		33		353		1,231
Ending balance	$	276	$	301	$	3,399	$	819	$	26	$	888	$	5,709

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, 2015
Commercial and industrial	$	83	$	-	$	83	$	17,842	$	20	$	17,822
Construction		220		-		220		10,206		-		10,206
Commercial real estate		3,631		117		3,514		347,095		5,194		341,901
Residential real estate		928		205		723		125,159		1,893		123,266
Consumer and other loans		86		73		13		1,317		138		1,179
Unallocated		693		-		-		-		-		-
Total	$	5,641	$	395	$	4,553	$	501,619	$	7,245	$	494,374
December 31, 2014
Commercial and industrial	$	231	$	51	$	180	$	20,549	$	94	$	20,455
Construction		383		-		383		12,379		-		12,379
Commercial real estate		3,491		136		3,355		326,370		5,105		321,265
Residential real estate		903		101		802		111,498		2,314		109,184
Consumer and other loans		19		-		19		1,665		-		1,665
Unallocated		614		-		-		-		-		-
Total	$	5,641	$	288	$	4,739	$	472,461	$	7,513	$	464,948

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, 2015
Commercial and industrial	$	6	$	-	$	20	$	26	$	17,816	$	17,842	$	-
Construction		-		-		-		-		10,206		10,206		-
Commercial real estate		913		1,079		4,043		6,035		341,060		347,095		-
Residential real estate		433		-		1,481		1,914		123,245		125,159		-
Consumer and other		5		-		138		143		1,174		1,317		-
Total	$	1,357	$	1,079	$	5,682	$	8,118	$	493,501	$	501,619	$	-
December 31, 2014
Commercial and industrial	$	9	$	-	$	94	$	103	$	20,446	$	20,549	$	-
Construction		1,354		-		-		1,354		11,025		12,379		-
Commercial real estate		2,395		1,209		3,936		7,540		318,830		326,370		-
Residential real estate		555		108		1,978		2,641		108,857		111,498		85
Consumer and other		5		-		1		6		1,659		1,665		-
Total	$	4,318	$	1,317	$	6,009	$	11,644	$	460,817	$	472,461	$	85
(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, 2015		December 31, 2014
Commercial and industrial	$	20	$	94
Commercial real estate		4,043		3,936
Residential real estate		1,481		1,893
Consumer and other		138		1
Total	$	5,682	$	5,924

Credit Risk Profile By Creditworthiness

			Special
(Dollars in thousands)	Pass		Mention		Substandard		Doubtful		Total
September 30, 2015
Commercial and industrial	$	17,800	$	22	$	20	$	-	$	17,842
Construction		10,206		-		-		-		10,206
Commercial real estate		333,463		7,670		5,962		-		347,095
Residential real estate		122,383		751		2,025		-		125,159
Consumer and other		1,179		-		138		-		1,317
	$	485,031	$	8,443	$	8,145	$	-	$	501,619
December 31, 2014
Commercial and industrial	$	20,446	$	9	$	94	$	-	$	20,549
Construction		12,379		-		-		-		12,379
Commercial real estate		312,172		8,257		5,941		-		326,370
Residential real estate		108,587		457		2,454		-		111,498
Consumer and other		1,527		138		-		-		1,665
	$	455,111	$	8,861	$	8,489	$	-	$	472,461

Impaired Loans

		September 30, 2015						December 31, 2014
			Unpaid						Unpaid
	Recorded		Principal		Related		Recorded		Principal		Related
(Dollars in thousands)	Investment		Balance		Allowance		Investment		Balance		Allowance
With no related allowance recorded:
Commercial and industrial	$	20	$	20	$	-	$	-	$	-	$	-
Commercial real estate		2,715		2,715		-		3,167		3,736		-
Residential real estate		599		598		-		1,829		1,835		-
With an allowance recorded:
Commercial and industrial		-		-		-		94		94		51
Commercial real estate		2,479		2,479		117		1,938		1,938		136
Residential real estate		1,294		1,304		205		485		489		101
Consumer and other		138		138		73		-		-		-
Total:
Commercial and industrial		20		20		-		94		94		51
Commercial real estate		5,194		5,194		117		5,105		5,674		136
Residential real estate		1,893		1,902		205		2,314		2,324		101
Consumer and other		138		138		73		-		-		-
	$	7,245	$	7,254	$	395	$	7,513	$	8,092	$	288

The following table presents the average recorded investment and income recognized for the three and nine months ended September 30, 2015 and 2014:

	For the Three Months Ended September 30, 2015				For the Three Months Ended September 30, 2014
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
(Dollars in thousands)	Investment		Recognized		Investment		Recognized
With no related allowance recorded:
Commercial and industrial	$	20	$	-	$	-	$	-
Commercial real estate		2,119		10		4,080		4
Residential real estate		904		1		1,818		5
Total impaired loans without a related allowance		3,043		11		5,898		9
With an allowance recorded:
Commercial real estate		2,762		8		4,309		29
Residential real estate		992		3		485		-
Consumer and other		104		-		1		-
Total impaired loans with an allowance		3,858		11		4,825		30
Total impaired loans	$	6,901	$	22	$	10,723	$	39

	For the Nine Months Ended September 30, 2015				For the Nine Months Ended September 30, 2014
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
(Dollars in thousands)	Investment		Recognized		Investment		Recognized
With no related allowance recorded:
Commercial and industrial	$	15	$	-	$	-	$	-
Commercial real estate		2,439		24		4,999		22
Residential real estate		1,267		5		1,831		34
Total impaired loans without a related allowance		3,721		29		6,830		56
With an allowance recorded:
Commercial and industrial		24		-		15		1
Commercial real estate		2,764		25		4,339		30
Residential real estate		753		8		667		7
Consumer and other		104		-		1		-
Total impaired loans with an allowance		3,645		33		5,022		38
Total impaired loans	$	7,366	$	62	$	11,852	$	94

Troubled Debt Restructured On Recorded Investment

(Dollars in thousands)		Commercial Real Estate	Residential Real Estate		Total
September 30, 2015
Performing	$	1,151	$	412	$	1,563
Non-performing		1,834		223		2,057
Total	$	2,985	$	635	$	3,620
December 31, 2014
Performing	$	1,169	$	421	$	1,590
Non-performing		2,730		224		2,954
Total	$	3,899	$	645	$	4,544