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Allowance For Loan Losses And Impaired Assets (Tables)
 3 Months Ended
Jun. 30, 2012
Allowance For Loan Losses, Impaired Assets And Troubled Debt Restructuring [Abstract]  
Schedule Of Activity In The Allowance For Loan Losses
          Home                          
          Equity     Commercial     Consumer     Commercial        
    Residential     Loans     Real Estate     Loans     Loans     Total  
    (In thousands)
Balance March 31, 2012 $ 789   $ 127   $ 2,794   $ 64   $ 1,923   $ 5,697  
Provision   143     87     (186 ) (8 )   324     360  
Charge Offs   (143 ) (71 ) (44 ) --     (24 )   (282 )
Recoveries   28   --   --   3     9     40  
Balance June 30, 2012 $ 817   $ 143   $ 2,564   $ 59   $ 2,232   $ 5,815  
 
Balance March 31, 2011 $ 738   $ 154   $ 1,981   $ 99   $ 2,714   $ 5,686  
Provision   7     4     179     (3 )   172     359  
Charge Offs   (170 )   0     (191 )   (9 )   (87 )   (457 )
Recoveries   0     0     0     6     3     9  
Balance June 30, 2011 $ 575   $ 158   $ 1,969   $ 93   $ 2,802   $ 5,597  
Schedule Of Balance In The Allowance For Loan Losses By Portfolio Segment

     The following table presents the balance in the allowance for loan losses by portfolio segment and based on impairment evaluation method as of June 30, 2012:

    Individually   Collectively    
    Evaluated for   Evaluated for    
    Impairment   Impairment   Total
  (In thousands)
Allowance for loan losses:            
1-4 Family Residential $ 358 $ 459 $ 817
Home equity loans --   143   143
Commercial real estate 861   1,703   2,564
Consumer loans --   59   59
Commercial loans   834   1,398   2,232
Total allowance for loan losses $ 2,053 $ 3,762 $ 5,815
 
Loan balances:            
1-4 Family Residential $ 2,152 $ 119,064 $ 121,216
Home equity loans --   36,078   36,078
Commercial real estate 3,665   295,701   299,366
Consumer loans --   9,639   9,639
Commercial loans   2,530   95,465   97,995
Total loan balances $ 8,347 $ 555,947 $ 564,294

 

 

     The following table presents the balance in the allowance for loan losses by portfolio segment and based on impairment evaluation method as of March 31, 2012:

    Individually   Collectively    
    Evaluated for   Evaluated for    
    Impairment   Impairment   Total
  (In thousands)
Allowance for loan losses:            
1-4 Family Residential $ 15 $ 774 $ 789
Home equity loans --   127   127
Commercial real estate 207   2,587   2,794
Consumer loans --   64   64
Commercial loans   372   1,551   1,923
Total allowance for loan losses $ 594 $ 5,103 $ 5,697
 
Loan balances:            
1-4 Family Residential $ 1,247 $ 124,389 $ 125,636
Home equity loans --   37,724   37,724
Commercial real estate 9,961   279,096   289,057
Consumer loans --   9,772   9,772
Commercial loans   4,103   90,565   94,668
Total loan balances $ 15,311 $ 541,546 $ 556,857
Schedule Of Risk Rating Grade Of The Loan Portfolio Broken-Out By Type

     The following table shows the risk rating grade of the loan portfolio broken-out by type as of June 30, 2012.  There were no loans rated doubtful or loss as of June 30, 2012.

        Real Estate Loans            
    Residential   Home Equity   Commercial   Consumer   Commercial   Total
  (In thousands)
Grade:                        
Pass $ -- $ -- $ 281,999 $ --- $ 89,671 $ 371,670
Special mention   --   --   6,681 --   1,481   8,162
Substandard   4,700   219   10,686 48   6,843   22,496
Not formally rated   116,516   35,859 -- 9,591 --   161,966
Total $ 121,216 $ 36,078 $ 299,366 $ 9,639 $ 97,995 $ 564,294

 

     The following table shows the risk rating grade of the loan portfolio broken-out by type as of March 31, 2012.  There were no loans rated doubtful or loss as of March 31, 2012.

  Real Estate Loans            
    Residential   Home Equity   Commercial   Consumer   Commercial   Total
            (In thousands)        
Grade:                        
Pass $ -- $ -- $ 266,757 $ --- $ 86,360 $ 353,117
Special mention   --   --   7,896 - --   1,356   9,252
Substandard   4,285   310   14,404   32   6,952   25,983
Not formally rated   121,351   37,414 --   9,740 --   168,505
Total $ 125,636 $ 37,724 $ 289,057 $ 9,772 $ 94,668 $ 556,857
Schedule Of Impaired Loans

The following table shows the Company's impaired loans at June 30, 2012 and for the three months ended June 30, 2012.

        Unpaid       Average   Interest
    Recorded   Principal   Related Allowance   Recorded   Income
    Investment   Balance       Investment   Recognized
  (In thousands)
With no related allowance recorded:                    
Residential real estate:                    
1-4 family $ 2,654 $ 3,206 $ --- $ 1,795 $ 25
Home equity loans   218   219 --   109   2
Commercial real estate   6,240   7,418 --   7,375   60
Consumer loans   48   52 --   24 --
Commercial loans   3,431   4,344 --   3,323   25
Total impaired with no related                    
allowance recorded $ 12,591 $ 15,239 $ --- $ 12,626 $ 112
 
With an allowance recorded:                    
Residential real estate:                    
1-4 family $ 2,152 $ 2,215 $ 358 $ 1,232 $ 21
Home equity loans -- -- -- -- --
Commercial real estate 3,665 3,665 861 2,558 54
Consumer loans -- -- -- -- --
Commercial loans   2,530   2,530   834   1,709   29
Total impaired with an                    
allowance recorded $ 8,347 $ 8,410 $ 2,053 $ 5,499 $ 104
 
Total:                    
Residential real estate:                    
1-4 family $ 4,806 $ 5,421 $ 358 $ 3,027 $ 46
Home equity loans   218   219 - --   109   2
Commercial real estate   9,905   11,083   861   9,933   114
Consumer loans   48   52 - --   24 - -
Commercial loans   5,961   6,874   834   5,032   54
Total impaired loans $ 20,938 $ 23,649 $ 2,053 $ 18,125 $ 216
 
 

The following table shows the Company's impaired loans at March 31, 2012.

 

 

 

Recorded

Investment

 

Unpaid

Principal

Balance

 

 

Related

Allowance

 

Average

Recorded

Investment

 

Interest

Income

Recognized

With no related allowance recorded:

 

 

 

 

 

 

 

 

 

 

Residential real estate:

 

 

 

 

 

 

 

 

 

 

    1-4 family

 
$
936 

 
$
973 

 

$  ---

 
$
1,843 

 
$
44 

    Home equity loans

 

---

 

---

 

---

 
184 

 

---

Commercial real estate

 
8,510 

 
8,590 

 

---

 
5,458 

 
501 

Consumer loans

 

---

 

---

 

---

 
44 

 

---

Commercial loans

 
3,214 

 
3,967 

 

  ---

 
2,482 

 
162 

  Total impaired with no related

  allowance recorded

 
$
12,660 

 
$
13,530 

 

 

$  ---

 
$
10,011 

 
$
707 

 

 

 

 

 

 

 

 

 

 

 

With an allowance recorded:

 

 

 

 

 

 

 

 

 

 

Residential real estate:

 

 

 

 

 

 

 

 

 

 

    1-4 family

 
$
311 

 
$
389 

 
$
15 

 
$
1,470 

 
$
20 

    Home equity loans

 

---

 

---

 

---

 

---

 

---

Commercial real estate

 
1,451 

 
1,482 

 
207 

 
3,792 

 
72 

Consumer loans

 

---

 

---

 

---

 
50 

 

---

Commercial loans

 
889 

 
913 

 
372 

 
2,156 

 
45 

  Total impaired with an

  allowance recorded

 
$
2,651 

 
$
2,784 

 
$
594 

 
$
7,468 

 
$
137 

 

 

 

 

 

 

 

 

 

 

 

  Total:

 

 

 

 

 

 

 

 

 

 

Residential real estate:

 

 

 

 

 

 

 

 

 

 

    1-4 family

 
$
1,247 

 
$
1,362 

 
$
15 

 
$
3,313 

 
$
64 

    Home equity loans

 

---

 

---

 

---

 
184 

 

---

Commercial real estate

 
9,961 

 
10,072 

 
207 

 
9,250 

 
573 

Consumer loans

 

---

 

---

 

---

 
94 

 

---

Commercial loans

 
4,103 

 
4,880 

 
372 

 
4,638 

 
207 

  Total impaired loans

 
$
15,311 

 
$
16,314 

 
$
594 

 
$
17,479 

 
$
844 
Schedule Of Delinquencies In Loan Portfolio
Delinquencies. The following table provides information about delinquencies in our loan portfolio as of June 30, 2012.
        Greater   Greater       90 Days    
    30-59   Than 60-89   Than     Total or More and   Nonaccrual
    Days   Days   90 Days   Past Due Accruing   loans
  (In thousands)
 
Residential real estate:                        
1-4 family $ -- $ 380 $ 1,684   $ 2,064 $  -- $ 3,391
Home equity loans   38 --   50     88 --   219
Commercial real estate   1,401 1,070   5,810     8,281 --   7,318
Consumer loans   80 --   17     97 --   48
Commercial loans   1,767   626   3,112     5,505 --   3,906
Total $ 3,286 $ 2,076 $ 10,673   $ 16,035 $  -- $ 14,882

 

     The following table provides information about delinquencies in our loan portfolio as of March 31, 2012.

        Greater           90 Days    
        Than   Greater       or More    
    30-59   60-89   Than     Total and   Nonaccrual
    Days   Days   90 Days   Past Due Accruing   loans
  (Dollars in Thousands)
 
Residential real estate $ 2,771 $ -- $ 2,217   $ 4,988 $ -- $ 3,734
Commercial real estate   1,702   1,152   4,976     7,830 --   7,141
Home equity loans   112   154   84     350 --   170
Consumer loans   100   49   47     196 --   56
Commercial loans   1,641   154   3,545     5,340 --   4,072
Total $ 6,326 $ 1,509 $ 10,869   $ 18,704 $ -- $ 15,173