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Loans and Allowance for Loan Losses (Tables)
 12 Months Ended
Dec. 31, 2013
Receivables [Abstract]  
Composition of Loan Portfolio, Excluding Residential Loans Held for Sale
The composition of the Company’s loan portfolio, excluding residential loans held for sale, at December 31, 2013 and 2012 was as follows:

 
December 31,
  
2013
 
2012
Residential real estate loans
$
570,391

 
$
572,768

Commercial real estate loans
541,099

 
506,231

Commercial loans
179,203

 
190,454

Home equity loans
272,630

 
278,375

Consumer loans
17,651

 
16,633

Deferred loan fees net of costs
(572
)
 
(595
)
Total loans
$
1,580,402

 
$
1,563,866
Schedule of Loans Made to Related Parties
Loans, including any unused lines of credit, to related parties were as follows:

 
December 31,
  
2013
 
2012
Balance at beginning of year
$
14,590

 
$
15,361

Loans made/advanced and additions
4,317

 
350

Repayments and reductions
(1,479
)
 
(1,121
)
Balance at end of year
$
17,428

 
$
14,590
Activity in Allowance for Loan Losses by Portfolio Segment
The following table presents the activity in the ALL and select loan information by portfolio segment for the year ended December 31, 2013:

 
Residential Real Estate
 
Commercial Real Estate
 
Commercial
 
Home
Equity
 
Consumer
 
Unallocated
 
Total
ALL:
  

 
  

 
  

 
  

 
  

 
  

 
  

Beginning balance
$
6,996

 
$
4,549

 
$
5,933

 
$
2,520

 
$
184

 
$
2,862

 
$
23,044

Loans charged off
(1,059
)
 
(952
)
 
(1,426
)
 
(647
)
 
(190
)
 
—

 
(4,274
)
Recoveries
35

 
121

 
495

 
56

 
61

 
—

 
768

Provision (reduction)
(369
)
 
656

 
1,218

 
474

 
264

 
(191
)
 
2,052

Ending balance
$
5,603

 
$
4,374

 
$
6,220

 
$
2,403

 
$
319

 
$
2,671

 
$
21,590

ALL balance attributable loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
1,750

 
$
526

 
$
132

 
$
433

 
$
140

 
$
—

 
$
2,981

Collectively evaluated for impairment
3,853

 
3,848

 
6,088

 
1,970

 
179

 
2,671

 
18,609

Total ending ALL
$
5,603

 
$
4,374

 
$
6,220

 
$
2,403

 
$
319

 
$
2,671

 
$
21,590

Loans:
  

 
  

 
  

 
  

 
  

 
  

 
  

Individually evaluated for impairment
$
14,435

 
$
8,864

 
$
2,635

 
$
1,571

 
$
442

 
$
—

 
$
27,947

Collectively evaluated for impairment
555,384

 
532,235

 
176,568

 
271,059

 
17,209

 
—

 
1,552,455

Total ending loans balance
$
569,819

 
$
541,099

 
$
179,203

 
$
272,630

 
$
17,651

 
$
—

 
$
1,580,402


The following table presents activity in the ALL and select loan information by portfolio segment for the year ended December 31, 2012:

 
Residential Real Estate
 
Commercial Real Estate
 
Commercial
 
Home Equity
 
Consumer
 
Unallocated
 
Total
ALL:
  

 
  

 
  

 
  

 
  

 
  

 
  

Beginning balance
$
6,398

 
$
5,702

 
$
4,846

 
$
2,704

 
$
420

 
$
2,941

 
$
23,011

Loans charged off
(1,197
)
 
(593
)
 
(1,393
)
 
(1,234
)
 
(85
)
 
—

 
(4,502
)
Recoveries
73

 
222

 
406

 
23

 
20

 
—

 
744

Provision (reduction)
1,722

 
(782
)
 
2,074

 
1,027

 
(171
)
 
(79
)
 
3,791

Ending balance
$
6,996

 
$
4,549

 
$
5,933

 
$
2,520

 
$
184

 
$
2,862

 
$
23,044

ALL balance attributable loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
2,255

 
$
265

 
$
286

 
$
261

 
$
39

 
$
—

 
$
3,106

Collectively evaluated for impairment
4,741

 
4,284

 
5,647

 
2,259

 
145

 
2,862

 
19,938

Total ending ALL
$
6,996

 
$
4,549

 
$
5,933

 
$
2,520

 
$
184

 
$
2,862

 
$
23,044

Loans:


 


 


 


 


 


 


Individually evaluated for impairment
$
13,805

 
$
7,968

 
$
3,610

 
$
1,515

 
$
259

 
$
—

 
$
27,157

Collectively evaluated for impairment
558,368

 
498,263

 
186,844

 
276,860

 
16,374

 
—

 
1,536,709

Total ending loans balance
$
572,173

 
$
506,231

 
$
190,454

 
$
278,375

 
$
16,633

 
$
—

 
$
1,563,866
Credit Risk Exposure Indicators by Portfolio Segment
The following table summarizes credit risk exposure indicators by portfolio segment as of the following dates:

 
Residential Real Estate
 
Commercial Real Estate
 
Commercial
 
Home Equity
 
Consumer
 
Total
December 31, 2013:
 
 
 
 
 
 
 
 
 
 
 
Pass (Grades 1 – 6)
$
551,035

 
$
496,257

 
$
155,851

 
$
—

 
$
—

 
$
1,203,143

Performing
—

 
—

 
—

 
271,059

 
17,210

 
288,269

Special Mention (Grade 7)
3,196

 
7,749

 
11,315

 
—

 
—

 
22,260

Substandard (Grade 8)
15,588

 
37,093

 
12,037

 
—

 
—

 
64,718

Non-performing
—

 
—

 
—

 
1,571

 
441

 
2,012

Total
$
569,819

 
$
541,099

 
$
179,203

 
$
272,630

 
$
17,651

 
$
1,580,402

December 31, 2012:
 
 
 
 
 
 
 
 
 
 
 
Pass (Grades 1 – 6)
$
555,444

 
$
440,610

 
$
165,460

 
$
—

 
$
—

 
$
1,161,514

Performing
—

 
—

 
—

 
276,742

 
16,376

 
293,118

Special Mention (Grade 7)
1,291

 
17,069

 
7,449

 
—

 
—

 
25,809

Substandard (Grade 8)
15,438

 
48,552

 
17,545

 
—

 
—

 
81,535

Non-performing
—

 
—

 
—

 
1,633

 
257

 
1,890

Total
$
572,173

 
$
506,231

 
$
190,454

 
$
278,375

 
$
16,633

 
$
1,563,866
Loan Aging Analysis by Portfolio Segment (Including Loans Past Due Over Ninety Days and Non Accrual Loans) and Summary of Non Accrual Loans, Which Include Troubled Debt Restructured Loans, and Loans Past Due Over Ninety Days and Accruing
The following is a loan aging analysis by portfolio segment (including loans past due over 90 days and non-accrual loans) and a summary of non-accrual loans, which include TDRs, and loans past due over 90 days and accruing as of the following dates:

 
30 –  59 Days Past Due
 
60 – 89 Days Past Due
 
Greater Than 90 Days
 
Total Past Due
 
Current
 
Total Loans Outstanding
 
Loans > 90 Days Past Due and Accruing
 
Non-Accrual Loans
December 31, 2013:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential real estate
$
3,218

 
$
684

 
$
7,269

 
$
11,171

 
$
558,648

 
569,819

 
$
—

 
$
10,520

Commercial real estate
926

 
2,036

 
3,301

 
6,263

 
534,836

 
541,099

 
257

 
7,799

Commercial
159

 
237

 
1,980

 
2,376

 
176,827

 
179,203

 
198

 
2,146

Home equity
1,395

 
388

 
1,007

 
2,790

 
269,840

 
272,630

 
—

 
1,571

Consumer
63

 
21

 
418

 
502

 
17,149

 
17,651

 
—

 
441

Total
$
5,761

 
$
3,366

 
$
13,975

 
$
23,102

 
$
1,557,300

 
$
1,580,402

 
$
455

 
$
22,477

December 31, 2012:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential real estate
$
1,459

 
$
850

 
$
8,410

 
$
10,719

 
$
561,454

 
$
572,173

 
$
193

 
$
10,584

Commercial real estate
896

 
2,227

 
5,380

 
8,503

 
497,728

 
506,231

 
138

 
6,719

Commercial
1,079

 
68

 
2,969

 
4,116

 
186,338

 
190,454

 
160

 
3,409

Home equity
2,230

 
355

 
1,105

 
3,690

 
274,685

 
278,375

 
118

 
1,514

Consumer
342

 
199

 
259

 
800

 
15,833

 
16,633

 
2

 
257

Total
$
6,006

 
$
3,699

 
$
18,123

 
$
27,828

 
$
1,536,038

 
$
1,563,866

 
$
611

 
$
22,483
Summary of All Troubled Debt Restructuring Loans (Accruing and Non Accruing) by Portfolio Segment
The following is a summary of accruing and non-accruing TDR loans by portfolio segment as of December 31, 2013 and 2012:

 
Number of Contracts
 
Pre-Modification Outstanding Recorded Investment
 
Post-Modification Outstanding Recorded Investment
 
Current Balance
 
2013
 
2012
 
2013
 
2012
 
2013
 
2012
 
2013
 
2012
Residential real estate
26

 
20

 
$
4,140

 
$
3,305

 
$
4,311

 
$
3,434

 
$
4,089

 
$
3,286

Commercial real estate
10

 
6

 
3,031

 
2,602

 
3,074

 
2,649

 
2,558

 
2,344

Commercial
7

 
3

 
504

 
303

 
504

 
303

 
488

 
236

Consumer and home equity
1

 
1

 
3

 
3

 
3

 
3

 
1

 
2

Total
44

 
30

 
$
7,678

 
$
6,213

 
$
7,892

 
$
6,389

 
$
7,136

 
$
5,868


The following is a summary of TDR loans that subsequently defaulted by portfolio segment as of December 31, 2013 and 2012:

 
2013
 
2012
 
Number of Contracts
 
Recorded Investment
 
Number of Contracts
 
Recorded Investment
Residential real estate
1

 
$
109

 
1

 
$
65

Commercial real estate
2

 
656

 
—

 
—

Total
3

 
$
765

 
1

 
$
65
Summary of Impaired Loan Balances and Associated Allowance by Portfolio Segment
The following is a summary of impaired loan balances and the associated allowance by portfolio segment as of December 31, 2013:

 
Recorded Investment
 
Unpaid Principal Balance
 
Related Allowance
 
Average Recorded Investment
 
Interest Income Recognized
With related allowance recorded:
  

 
  

 
  

 
  

 
  

Residential real estate
$
11,902

 
$
11,902

 
$
1,750

 
$
10,411

 
$
118

Commercial real estate
6,805

 
6,805

 
526

 
5,517

 
20

Commercial
1,876

 
1,876

 
132

 
2,543

 
10

Home equity
1,228

 
1,228

 
433

 
1,291

 
—

Consumer
425

 
425

 
140

 
460

 
—

Ending Balance
$
22,236

 
$
22,236

 
$
2,981

 
$
20,222

 
$
148

Without related allowance recorded:
  

 
  

 
  

 
  

 
  

Residential real estate
$
2,533

 
$
3,846

 
$
—

 
$
2,925

 
$
28

Commercial real estate
2,059

 
2,782

 
—

 
3,362

 
55

Commercial
759

 
871

 
—

 
765

 
8

Home equity
343

 
479

 
—

 
334

 
—

Consumer
17

 
37

 
—

 
11

 
—

Ending Balance
$
5,711

 
$
8,015

 
$
—

 
$
7,397

 
$
91

Total impaired loans
$
27,947

 
$
30,251

 
$
2,981

 
$
27,619

 
$
239


The following is a summary of impaired loan balances and the associated allowance by portfolio segment as of December 31, 2012:

 
Recorded Investment
 
Unpaid Principal Balance
 
Related Allowance
 
Average Recorded Investment
 
Interest Income Recognized
With related allowance recorded:
  

 
  

 
  

 
  

 
  

Residential real estate
$
11,021

 
$
11,021

 
$
2,255

 
$
10,585

 
$
114

Commercial real estate
4,296

 
4,296

 
265

 
5,551

 
—

Commercial
2,971

 
2,971

 
286

 
3,927

 
—

Home equity
1,236

 
1,236

 
261

 
1,289

 
—

Consumer
257

 
257

 
39

 
239

 
—

Ending Balance
$
19,781

 
$
19,781

 
$
3,106

 
$
21,591

 
$
114

Without related allowance recorded:
  

 
  

 
  

 
  

 
  

Residential real estate
$
2,784

 
$
3,841

 
$
—

 
$
2,548

 
$
26

Commercial real estate
3,672

 
4,127

 
—

 
2,056

 
33

Commercial
639

 
956

 
—

 
389

 
13

Home equity
279

 
550

 
—

 
617

 
—

Consumer
2

 
2

 
—

 
6

 
—

Ending Balance
$
7,376

 
$
9,476

 
$
—

 
$
5,616

 
$
72

Total impaired loans
$
27,157

 
$
29,257

 
$
3,106

 
$
27,207

 
$
186