Loans and Leases (Tables)

12 Months Ended

Dec. 31, 2013



(dollars in thousands)	2013		2012

Commercial and industrial	$	74,551	$	65,110
Commercial real estate:
Non-owner occupied		89,255		81,998
Owner occupied		86,294		80,509
Construction		10,765		10,679
Consumer:
Home equity installment		34,480		32,828
Home equity line of credit		36,836		34,169
Auto loans and leases		22,261		17,411
Other		5,205		6,139
Residential:
Real estate		110,365		96,765
Construction		8,188		7,948
Total		478,200		433,556
Less:
Allowance for loan losses		(8,928)		(8,972)
Unearned lease revenue		(56)		-

Loans and leases, net	$	469,216	$	424,584

Schedule of Nonaccrual Loans, by Class [Table Text Block]


	As of December 31,
(dollars in thousands)	2013		2012

Commercial and industrial	$	62	$	18

Commercial real estate:

Non-owner occupied		1,518		1,884
Owner occupied		1,422		5,031
Construction		635		1,123

Consumer:

Home equity installment		393		1,306
Home equity line of credit		254		381
Auto loans and leases		12		-
Other		22		48

Residential:

Real estate		1,350		2,330

Total	$	5,668	$	12,121

Past Due Loans [Table Text Block]

Loans are considered past due when the contractual principal and/or interest is not received by the due date. An aging analysis of past due loans, segregated by class of loans, as of the period indicated is as follows (dollars in thousands):



													Recorded
					Past due						Total		investment past
	30 - 59 Days		60 - 89 Days		90 days		Total				loans		due ≥ 90 days
December 31, 2013	past due		past due		or more *		past due		Current		receivables		and accruing

Commercial and industrial	$	111	$	212	$	69	$	392	$	74,159	$	74,551	$	7
Commercial real estate:
Non-owner occupied		484		35		1,518		2,037		87,218		89,255		-
Owner occupied		1,714		545		1,422		3,681		82,613		86,294		-
Construction		-		-		635		635		10,130		10,765		-
Consumer:
Home equity installment		229		72		393		694		33,786		34,480		-
Home equity line of credit		-		114		275		389		36,447		36,836		21
Auto loans and leases		165		14		23		202		22,003		22,205		11
Other		52		23		22		97		5,108		5,205		-
Residential:
Real estate		158		1,340		1,466		2,964		107,401		110,365		116
Construction		-		-		-		-		8,188		8,188		-
Total	$	2,913	$	2,355	$	5,823	$	11,091	$	467,053	$	478,144	$	155

* Includes $5.7 million of non-accrual loans.



													Recorded
					Past due						Total		investment past
	30 - 59 Days		60 - 89 Days		90 days		Total				loans		due ≥ 90 days
December 31, 2012	past due		past due		or more *		past due		Current		receivables		and accruing

Commercial and industrial	$	676	$	15	$	254	$	945	$	64,165	$	65,110	$	236
Commercial real estate:
Non-owner occupied		-		141		1,884		2,025		79,973		81,998		-
Owner occupied		208		282		5,439		5,929		74,580		80,509		408
Construction		-		-		1,123		1,123		9,556		10,679		-
Consumer:
Home equity installment		216		132		1,325		1,673		31,155		32,828		19
Home equity line of credit		-		66		381		447		33,722		34,169		-
Auto		459		30		16		505		16,906		17,411		16
Other		48		4		65		117		6,022		6,139		17
Residential:
Real estate		99		544		3,357		4,000		92,765		96,765		1,027
Construction		-		-		-		-		7,948		7,948		-
Total	$	1,706	$	1,214	$	13,844	$	16,764	$	416,792	$	433,556	$	1,723

* Includes $12.1 million of non-accrual loans.

Impaired Loans [Table Text Block]

Impaired loans, segregated by class, as of the period indicated are detailed below:



			Recorded		Recorded										Cash basis
	Unpaid		investment		investment		Total				Average		Interest		interest
	principal		with		with no		recorded		Related		recorded		income		income
(dollars in thousands)	balance		allowance		allowance		investment		allowance		investment		recognized		recognized
December 31, 2013
Commercial & industrial	$	134	$	64	$	33	$	97	$	31	$	80	$	2	$	-
Commercial real estate:
Non-owner occupied		2,146		174		1,827		2,001		27		2,173		31		78
Owner occupied		2,136		622		1,327		1,949		90		3,203		36		-
Construction		1,024		-		635		635		-		903		-		-
Consumer:
Home equity installment		501		125		268		393		23		723		37		-
Home equity line of credit		340		-		254		254		-		355		2		-
Auto loans and leases		12		12		-		12		1		5		-		-
Other		22		-		22		22		-		29		-		-
Residential:
Real Estate		1,511		437		913		1,350		110		1,682		71		-
Construction		-		-		-		-		-		-		-		-
Total	$	7,826	$	1,434	$	5,279	$	6,713	$	282	$	9,153	$	179	$	78



			Recorded		Recorded										Cash basis
	Unpaid		investment		investment		Total				Average		Interest		interest
	principal		with		with no		recorded		Related		recorded		income		income
(dollars in thousands)	balance		allowance		allowance		investment		allowance		investment		recognized		recognized
December 31, 2012
Commercial & industrial	$	52	$	8	$	52	$	60	$	4	$	275	$	4	$	-
Commercial real estate:
Non-owner occupied		2,431		957		1,420		2,377		233		4,172		152		20
Owner occupied		5,940		4,500		1,099		5,599		1,230		7,292		121		-
Construction		1,123		210		913		1,123		194		941		-		-
Consumer:
Home equity installment		1,480		524		782		1,306		38		1,023		-		-
Home equity line of credit		435		144		237		381		31		482		-		-
Auto		-		-		-		-		-		1		-		-
Other		102		16		32		48		8		36		-		-
Residential:
Real Estate		2,688		564		1,766		2,330		76		2,342		17		-
Construction		-		-		-		-		-		44		-		-
Total	$	14,251	$	6,923	$	6,301	$	13,224	$	1,814	$	16,608	$	294	$	20

Credit Quality Indicator Loan Categories [Table Text Block]

Commercial credit exposure

Credit risk profile by creditworthiness category



					Commercial real estate -				Commercial real estate -				Commercial real estate -
	Commercial and industrial				non-owner occupied				owner occupied				construction
(dollars in thousands)	12/31/2013		12/31/2012		12/31/2013		12/31/2012		12/31/2013		12/31/2012		12/31/2013		12/31/2012

Pass	$	71,122	$	61,821	$	78,069	$	72,738	$	82,975	$	73,922	$	9,026	$	8,094

Special mention		2,244		2,221		2,734		3,520		656		222		1,037		1,422

Substandard		1,185		1,068		8,452		5,740		2,663		6,365		702		1,163

Doubtful		-		-		-		-		-		-		-		-

Total	$	74,551	$	65,110	$	89,255	$	81,998	$	86,294	$	80,509	$	10,765	$	10,679

Consumer credit exposure

Credit risk profile based on payment activity



	Home equity installment				Home equity line of credit				Auto loans and leases				Other
(dollars in thousands)	12/31/2013		12/31/2012		12/31/2013		12/31/2012		12/31/2013		12/31/2012		12/31/2013		12/31/2012

Performing	$	34,087	$	31,503	$	36,561	$	33,788	$	22,182	$	17,395	$	5,183	$	6,074

Non-performing		393		1,325		275		381		23		16		22		65

Total	$	34,480	$	32,828	$	36,836	$	34,169	$	22,205	$	17,411	$	5,205	$	6,139

Mortgage lending credit exposure

Credit risk profile based on payment activity



	Residential real estate				Residential construction
(dollars in thousands)	12/31/2013		12/31/2012		12/31/2013		12/31/2012

Performing	$	108,899	$	93,408	$	8,188	$	7,948

Non-performing		1,466		3,357		-		-

Total	$	110,365	$	96,765	$	8,188	$	7,948

Allowance For Loan Losses [Table Text Block]



As of and for the year ended December 31, 2013
	Commercial &		Commercial				Residential
(dollars in thousands)	industrial		real estate		Consumer		real estate		Unallocated		Total

Allowance for Loan Losses:
Beginning balance	$	922	$	4,908	$	1,639	$	1,503	$	-	$	8,972
Charge-offs		56		2,091		400		218		-		2,765
Recoveries		30		30		110		1		-		171
Provision		48		1,406		133		327		636		2,550
Ending balance	$	944	$	4,253	$	1,482	$	1,613	$	636	$	8,928
Ending balance: individually
evaluated for impairment	$	31	$	117	$	24	$	110			$	282
Ending balance: collectively
evaluated for impairment	$	913	$	4,136	$	1,458	$	1,503			$	8,010
Loans Receivables:
Ending balance	$	74,551	$	186,314	$	98,726	$	118,553			$	478,144
Ending balance: individually
evaluated for impairment	$	97	$	4,585	$	681	$	1,350			$	6,713
Ending balance: collectively
evaluated for impairment	$	74,454	$	181,729	$	98,045	$	117,203			$	471,431



As of and for the year ended December 31, 2012
	Commercial &		Commercial				Residential
(dollars in thousands)	industrial		real estate		Consumer		real estate		Unallocated		Total

Allowance for Loan Losses:
Beginning balance	$	1,221	$	3,979	$	1,435	$	1,051	$	422	$	8,108
Charge-offs		185		1,335		737		231		-		2,488
Recoveries		26		46		30		-		-		102
Provision		(140)		2,218		911		683		(422)		3,250
Ending balance	$	922	$	4,908	$	1,639	$	1,503	$	-	$	8,972
Ending balance: individually
evaluated for impairment	$	4	$	1,657	$	77	$	76			$	1,814
Ending balance: collectively
evaluated for impairment	$	918	$	3,251	$	1,562	$	1,427			$	7,158
Loans Receivables:
Ending balance	$	65,110	$	173,186	$	90,547	$	104,713			$	433,556
Ending balance: individually
evaluated for impairment	$	60	$	9,099	$	1,735	$	2,330			$	13,224
Ending balance: collectively
evaluated for impairment	$	65,050	$	164,087	$	88,812	$	102,383			$	420,332