Allowance for Loan Losses & Unfunded Loan Commitments (Tables)

6 Months Ended

Jun. 30, 2012

Allowance for Loan Losses & Unfunded Loan Commitments [Abstract]

Schedule of Credit Losses for Financing Receivables, Current [Table Text Block]

The following tables detail the activity in the allowance for loan losses by portfolio segment for the three months ended June 30, 2012 and 2011.  

	For the three months ended June 30, 2012
(In thousands)	SBA		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	3,639	$	1,285	$	8,361	$	1,770	$	527	$	757	$	16,339
Charge-offs		(213)		(100)		(540)		(494)		(25)		-		(1,372)
Recoveries		249		15		53		-		-		-		317
Net charge-offs		36		(85)		(487)		(494)		(25)		-		(1,055)
Provision for loan losses charged to expense		(474)		131		882		560		20		(119)		1,000
Ending balance	$	3,201	$	1,331	$	8,756	$	1,836	$	522	$	638	$	16,284

	For the three months ended June 30, 2011
(In thousands)	SBA		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	4,254	$	1,622	$	6,785	$	1,799	$	527	$	288	$	15,275
Charge-offs		(592)		(125)		(521)		-		(131)		-		(1,369)
Recoveries		71		77		214		-		-		-		362
Net charge-offs		(521)		(48)		(307)		-		(131)		-		(1,007)
Provision for loan losses charged to expense		564		(164)		1,191		(37)		173		23		1,750
Ending balance	$	4,297	$	1,410	$	7,669	$	1,762	$	569	$	311	$	16,018

The following tables detail the activity in the allowance for loan losses by portfolio segment for the six months ended June 30, 2012 and 2011:

	For the six months ended June 30, 2012
(In thousands)	SBA		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	4,088	$	1,423	$	8,129	$	1,703	$	536	$	469	$	16,348
Charge-offs		(828)		(327)		(886)		(607)		(25)		-		(2,673)
Recoveries		302		43		64		-		-		-		409
Net charge-offs		(526)		(284)		(822)		(607)		(25)		-		(2,264)
Provision for loan losses charged to expense		(361)		192		1,449		740		11		169		2,200
Ending balance	$	3,201	$	1,331	$	8,756	$	1,836	$	522	$	638	$	16,284

	For the six months ended June 30, 2011
(In thousands)	SBA		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	4,198	$	1,551	$	6,011	$	1,679	$	586	$	339	$	14,364
Charge-offs		(1,303)		(425)		(1,069)		(142)		(131)		-		(3,070)
Recoveries		79		77		312		4		2		-		474
Net charge-offs		(1,224)		(348)		(757)		(138)		(129)		-		(2,596)
Provision for loan losses charged to expense		1,323		207		2,415		221		112		(28)		4,250
Ending balance	$	4,297	$	1,410	$	7,669	$	1,762	$	569	$	311	$	16,018

Allowance for Credit Losses on Financing Receivables [Table Text Block]

The following tables present loans and their related allowance for loan losses, by portfolio segment, as of June 30, 2012 and December 31, 2011:

	June 30, 2012
(In thousands)	SBA		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Allowance for loan losses ending balance:
Individually evaluated for impairment	$	847	$	132	$	2,723	$	-	$	-	$	-	$	3,702
Collectively evaluated for impairment		2,354		1,199		6,033		1,836		522		638		12,582
Total	$	3,201	$	1,331	$	8,756	$	1,836	$	522	$	638	$	16,284
Loan ending balances:
Individually evaluated for impairment	$	3,757	$	6,111	$	25,003	$	-	$	-	$	-	$	34,871
Collectively evaluated for impairment		62,712		39,136		285,328		136,514		46,340		-		570,030
Total	$	66,469	$	45,247	$	310,331	$	136,514	$	46,340	$	-	$	604,901

	December 31, 2011
(In thousands)	SBA		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Allowance for loan losses ending balance:
Individually evaluated for impairment	$	1,694	$	1	$	2,754	$	-	$	-	$	-	$	4,449
Collectively evaluated for impairment		2,394		1,422		5,375		1,703		536		469		11,899
Total	$	4,088	$	1,423	$	8,129	$	1,703	$	536	$	469	$	16,348
Loan ending balances:
Individually evaluated for impairment	$	6,316	$	6,458	$	20,186	$	-	$	-	$	-	$	32,960
Collectively evaluated for impairment		65,527		48,650		262,918		134,090		48,447		-		559,632
Total	$	71,843	$	55,108	$	283,104	$	134,090	$	48,447	$	-	$	592,592