Loans and Leases

9 Months Ended

Sep. 30, 2012

Receivables [Abstract]

Financing Receivables [Text Block]

Note 3: Loans and Leases

The Company makes loans to customers primarily in the Greater Baltimore Maryland metropolitan area, and surrounding communities. A substantial portion of the Company’s loan portfolio consists of loans to businesses secured by real estate and/or other business assets.

The loan portfolio segment balances at September 30, 2012 and December 31, 2011 are presented in the following table:

	Unaudited
	September 30,					December 31,
(in thousands)	2012		% of Total			2011		% of Total
Real estate
Construction and land	$	35,889		12.0	%	$	39,268		14.2	%
Residential - first lien		23,074		7.7			22,087		8.0
Residential - junior lien		8,162		2.7			9,242		3.3
Total residential real estate		31,236		10.5			31,329		11.3
Commercial - owner occupied		58,793		19.7			46,588		16.8
Commercial - non-owner occupied		86,116		28.8			76,880		27.8
Total commercial real estate		144,909		48.5			123,468		44.6
Total real estate loans		212,034		71.0			194,065		70.2
Commercial loans and leases		85,409		28.6			81,243		29.4
Consumer		1,371		0.5			1,223		0.4
Total loans and leases	$	298,814		100.0	%	$	276,531		100.0	%

There were $573 thousand in loans held for sale at September 30, 2012 and $646 thousand at December 31, 2011.