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

6 Months Ended

Jun. 30, 2012

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

Changes In The Allowance For Loan Losses

		Commercial						Commercial			Residential			Consumer
(Dollars in thousands)		and Industrial			Construction			Real Estate			Real Estate			and Other			Unallocated			Total
Three Months Ended
June 30, 2012:
Beginning balance	$	305		$	582		$	5,186		$	976		$	31		$	537		$	7,617
Charge-offs		-			-			(2,230	)		(123	)		(29	)		-			(2,382	)
Recoveries		1			-			58			-			8			-			67
Provision		124			(412	)		1,533			202			1			(490	)		958
Ending balance	$	430		$	170		$	4,547		$	1,055		$	11		$	47		$	6,260
June 30, 2011:
Beginning balance	$	448		$	1,347		$	3,953		$	832		$	54		$	592		$	7,226
Charge-offs		(13	)		(909	)		(394	)		-			(11	)		-			(1,327	)
Recoveries		2			516			1			-			6			-			525
Provision		(9	)		15			1,213			113			(4	)		(216	)		1,112
Ending balance	$	428		$	969		$	4,773		$	945		$	45		$	376		$	7,536

		Commercial						Commercial			Residential			Consumer
(Dollars in thousands)		and Industrial			Construction			Real Estate			Real Estate			and Other			Unallocated			Total
Six Months Ended:
June 30, 2012:
Beginning balance	$	304		$	294		$	4,833		$	987		$	9		$	783		$	7,210
Charge-offs		-			-			(2,525	)		(280	)		(45	)		-			(2,850	)
Recoveries		2			-			69			-			11			-			82
Provision		124			(124	)		2,170			348			36			(736	)		1,818
Ending balance	$	430		$	170		$	4,547		$	1,055		$	11		$	47		$	6,260
June 30, 2011:
Beginning balance	$	436		$	1,183		$	3,760		$	798		$	56		$	164		$	6,397
Charge-offs		(13	)		(909	)		(395	)		(12	)		(23	)		-			(1,352	)
Recoveries		3			516			8			-			13			-			540
Provision		2			179			1,400			159			(1	)		212			1,951
Ending balance	$	428		$	969		$	4,773		$	945		$	45		$	376		$	7,536

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		Evaluated
			Evaluated			Evaluated				for		for
(Dollars in thousands)		Balance	Impairment			Impairment		Balance		Impairment		Impairment
June 30, 2012:
Commercial and industrial	$	430	$	200	$	230	$	13,106	$	396	$	12,710
Construction		170		112		58		7,103		3,529		3,574
Commercial real estate		4,547		1,614		2,933		228,042		18,013		210,029
Residential real estate		1,055		307		748		97,635		2,908		94,727
Consumer and other		11		-		11		1,328		-		1,328
Unallocated		47		-		-		-		-		-
Total	$	6,260	$	2,233	$	3,980	$	347,214	$	24,846	$	322,368
December 31, 2011:
Commercial and industrial	$	304	$	16	$	288	$	13,711	$	32	$	13,679
Construction		294		50		244		8,520		2,458		6,062
Commercial real estate		4,833		1,572		3,261		216,191		22,722		193,469
Residential real estate		987		319		668		100,175		2,482		97,693
Consumer and other		9		-		9		1,336		-		1,336
Unallocated		783		-		-		-		-		-
Total	$	7,210	$	1,957	$	4,470	$	339,933	$	27,694	$	312,239

An Age Analysis Of Loans Receivable

														Recorded
														Investment
						Greater						Total		> 90Days
		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, 2012:
Commercial and industrial	$	22	$	111	$	396	$	529	$	12,577	$	13,106	$	-
Construction		-		-		3,647		3,647		3,456		7,103		118
Commercial real estate		3,004		2,802		17,410		23,216		204,826		228,042		-
Residential real estate		1,268		551		2,908		4,727		92,908		97,635		-
Consumer and other		13		4		-		17		1,311		1,328		-
Total	$	4,307	$	3,468	$	24,361	$	32,136	$	315,078	$	347,214	$	118
December 31, 2011:
Commercial and industrial	$	428	$	-	$	32	$	460	$	13,251	$	13,711	$	-
Construction		558		-		3,243		3,801		4,719		8,520		785
Commercial real estate		5,238		137		19,311		24,686		191,505		216,191		-
Residential real estate		940		-		2,482		3,422		96,753		100,175		-
Consumer and other		17		1		18		36		1,300		1,336		18
Total	$	7,181	$	138	$	25,086	$	32,405	$	307,528	$	339,933	$	803

Loans Which The Accrual Of Interest Has Been Discontinued

(Dollars in thousands)		June 30, 2012		December 31, 2011
Commercial and industrial	$	396	$	32
Construction		3,529		2,458
Commercial real estate		17,410		19,311
Residential real estate		2,908		2,482
Total	$	24,243	$	24,283

Credit Risk Profile By Creditworthiness

				Special
(Dollars in thousands)		Pass		Mention		Substandard			Doubtful		Total
June 30, 2012:
Commercial and industrial	$	12,376	$	333	$	22		$	375	$	13,106
Construction		3,574		-		3,529			-		7,103
Commercial real estate		199,673		6,330		21,467			572		228,042
Residential real estate		93,092		452		3,759			332		97,635
Consumer and other		1,328		-		-			-		1,328
	$	310,043	$	7,115	$	28,777		$	1,279	$	347,214
December 31, 2011:
Commercial and industrial	$	13,103	$	398	$	202	$		8	$	13,711
Construction		5,057		-		3,463			-		8,520
Commercial real estate		180,862		6,987		27,769			573		216,191
Residential real estate		95,491		494		4,190			-		100,175
Consumer and other		1,336		-		-			-		1,336
	$	295,849	$	7,879	$	35,624	$		581	$	339,933

Impaired Loans

	June 30, 2012						December 31, 2011
				Unpaid						Unpaid
		Recorded		Principal		Related		Recorded		Principal		Related
(Dollars in thousands)		Investment (1)		Balance (2)		Allowance		Investment (1)		Balance (2)		Allowance
With no related allowance recorded:
Commercial and industrial	$	-	$	-	$	-	$	-	$	-	$	-
Construction		2,134		3,111		-		2,062		2,331		-
Commercial real estate		6,209		6,970		-		10,362		12,932		-
Residential real estate		1,848		1,842		-		1,758		1,757		-
Total impaired loans without a
related allowance		10,191		11,923		-		14,182		17,020		-
With an allowance recorded:
Commercial and industrial		401		396		200		32		32		16
Construction		1,391		1,395		112		396		396		50
Commercial real estate		11,832		13,930		1,614		12,404		12,399		1,572
Residential real estate		1,074		1,067		307		732		724		319
Total impaired loans with an
allowance		14,698		16,788		2,233		13,564		13,551		1,957
Total impaired loans	$	24,889	$	28,711	$	2,233	$	27,746	$	30,571	$	1,957

(1) The recorded investment of impaired loans includes the outstanding principal balance and any unpaid interest and escrow balances due.

(2) Unpaid principal balance includes the present recorded principal balance plus any amounts that have been previously charged-off.

Average Recorded Investment And Income Recognized

	For the Six Months Ended				For the Six Months Ended
	June 30, 2012				June 30, 2011
		Average	Interest			Average	Interest
		Recorded	Income			Recorded	Income
(Dollars in thousands)		Investment	Recognized			Investment	Recognized
With no related allowance recorded:
Commercial and industrial	$	-	$	-	$	19	$	-
Construction		2,293		-		3,795		1
Commercial real estate		8,534		30		8,859		80
Residential real estate		1,663		32		816		17
Consumer and other		-		-		3		-
Total impaired loans without a related allowance		12,490		62		13,492		98
With an allowance recorded:
Commercial and industrial		127		-		77		-
Construction		796		-		1,941		-
Commercial real estate		13,571		49		9,694		105
Residential real estate		732		15		611		1
Consumer and other		-		-		-		-
Total impaired loans with an allowance		15,226		64		12,323		106
Total impaired loans	$	27,716	$	126	$	25,815	$	204

Troubled Debt Restructured On Recorded Investment

		Commercial
(Dollars in thousands)		Real Estate
Performing	$	604
Non-performing		1,864
Total	$	2,468