Loans and Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2012

Loans and Allowance for Loan Losses [Abstract]

Analysis of the Allowance for Loan Losses by Portfolio Segment and Based on Impairment

	Commercial including Commercial Real Estate			Consumer			Real Estate Mortgage 1 st Lien			Real Estate Mortgage Junior Lien			Total
June 30, 2012:
Balance at January 1	$	4,039		$	68		$	1,155		$	150		$	5,412
Provision for loan losses		439			6			252			3			700
Loans charged off		(809	)		(19	)		(224	)		(15	)		(1,067	)
Recoveries		92			14			8			8			122
Balance at June 30	$	3,761		$	69		$	1,191		$	146		$	5,167
Ending balance individually evaluated for impairment	$	341			—		$	256			—		$	597
Ending balance collectively evaluated for impairment		3,420			69			935			146			4,570
Total	$	3,761		$	69		$	1,191		$	146		$	5,167
June 30, 2011:
Balance at January 1	$	4,239		$	86		$	1,211		$	158		$	5,694
Provision for loan losses		175			31			149			145			500
Loans charged off		(523	)		(40	)		(241	)		(105	)		(909	)
Recoveries		101			5			8			3			117
Balance at June 30	$	3,992		$	82		$	1,127		$	201		$	5,402
Ending balance individually evaluated for impairment	$	817			—		$	232		$	13		$	1,062
Ending balance collectively evaluated for impairment	$	3,175		$	82		$	895		$	188		$	4,340
Total	$	3,992		$	82		$	1,127		$	201		$	5,402

Summary of Recorded Investment in Loans by Portfolio Segment and Based on Impairment

	Commercial including Commercial Real Estate		Consumer		Real Estate Mortgage 1 st Lien		Real Estate Mortgage Junior  Lien		Total
June 30, 2012:
Ending balance individually evaluated for impairment	$	7,220	$	35	$	3,314	$	137	$	10,706
Ending balance collectively evaluated for impairment		254,504		7,892		63,576		12,439		338,502
Total loans	$	261,783	$	7,927	$	66,922	$	12,576	$	349,208
December 31, 2011:
Ending balance individually evaluated for impairment	$	6,440	$	29	$	3,326	$	86	$	9,881
Ending balance collectively evaluated for impairment		237,263		7,800		64,927		12,933		322,923
Total loans	$	243,703	$	7,829	$	68,253	$	13,019	$	332,804

Summary of Loans Individually Evaluated for Impairment by Class of Loans

	Unpaid Principal Balance		Allowance for Loan Losses Allocated
June 30, 2012:
With no related allowance recorded:
Commercial	$	924	$	—
Real estate – commercial		4,135		—
Real estate – construction		107		—
Consumer		35		—
Real estate mortgage		2,219		—
With an allowance recorded:
Commercial		78		50
Real estate – commercial		817		39
Real estate – construction		—		—
Consumer		—		—
Real estate mortgage		2,391		508
Total	$	10,706	$	597

	Unpaid Principal Balance		Allowance for Loan Losses Allocated
December 31, 2011:
With no related allowance recorded:
Commercial	$	135	$	—
Real estate – commercial		2,649		—
Real estate – construction		232		—
Consumer		29		—
Real estate mortgage		2,485		—
With an allowance recorded:
Commercial		744		26
Real estate – commercial		1,403		490
Real estate – construction		—		—
Consumer		—		—
Real estate mortgage		2,204		468
Total	$	9,881	$	984

Summary of the Aging of the Recorded Investment in Past Due and Nonaccrual Loans

	Loans Past Due Accruing Interest
	30-59 Days		60-89 Days		Over 90 Days		Total		Loans on Non- Accrual		Loans Not Past Due or Non- Accrual		Total
June 30, 2012:
Commercial	$	160	$	—	$	—	$	160	$	487	$	78,720	$	79,367
Real estate – commercial		1,032		95		—		1,127		2,863		154,357		158,347
Real estate – construction		161		—		—		161		107		14,627		14,895
Consumer		18		2		8		28		35		8,240		8,303
Real estate mortgage		826		10		—		836		2,805		84,655		88,296
Total	$	2,197	$	107	$	8	$	2,312	$	6,297	$	340,599	$	349,208
December 31, 2011:
Commercial	$	182	$	120	$	6	$	308	$	413	$	69,335	$	70,056
Real estate – commercial		538		144		—		682		2,982		147,165		150,829
Real estate – construction		—		—		—		—		231		12,248		12,479
Consumer		22		4		—		26		29		8,112		8,167
Real estate mortgage		1,476		780		—		2,256		2,048		86,969		91,273
Total	$	2,218	$	1,048	$	6	$	3,272	$	5,703	$	323,829	$	332,804

Summary of the Number and Volume of TDRs, Recorded in Loan Portfolio

	Number of Loans		Amount		Specific Reserves Allocated
June 30, 2012
Commercial		5	$	695	$	—
Real estate – commercial		6		2,120		12
Real estate – construction		—		—		—
Real estate – mortgage		17		1,599		161
Consumer		—		—		—
Total		28	$	4,414	$	173

Summary of the Number and Volume of Loans classified as TDRs

	Number of Loans Added		Amount		Specific Reserves Allocated
June 30, 2012
Commercial		—	$	—	$	—
Real estate – commercial		1		515		—
Real estate – construction		—		—		—
Real estate – mortgage		—		—		—
Consumer		—		—		—
Total		1	$	515	$	—

Summary of the Risk Category of Loans by Class of Loans

	Pass		Special Mention		Substandard		Doubtful		Not Risk Rated		Total
June 30, 2012
Commercial	$	69,117	$	4,962	$	5,288	$	—	$	—	$	79,367
Real estate—commercial		137,813		11,505		8,676		—		353		158,347
Real estate—construction		8,535		1,668		1,118		—		3,574		14,895
Real estate—mortgage		6,827		2,370		3,014		—		76,085		88,296
Consumer		—		—		—		—		8,303		8,303
Total	$	222,292	$	20,505	$	18,096	$	—	$	88,315	$	349,208
December 31, 2011
Commercial	$	59,492	$	5,855	$	4,709	$	—	$	—	$	70,056
Real estate—commercial		128,405		14,681		7,437		—		306		150,829
Real estate—construction		5,547		2,542		520		—		3,870		12,479
Real estate—mortgage		7,399		3,177		2,743		—		77,954		91,273
Consumer		—		—		—		—		8,167		8,167
Total	$	200,843	$	26,255	$	15,409	$	—	$	90,297	$	332,804