Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2015

							Special		Sub-
September 30, 2015		Excellent		Good		Pass		Mention		standard		Doubtful		TOTAL
Commercial
Commercial and industrial - organic	$	660	$	31,300	$	15,970	$	-	$	111	$	-	$	48,041
Commercial and industrial - syndicated		-		-		21,057		-		2,970		-		24,027
Real estate construction
Residential construction		-		-		1,025		-		-		-		1,025
Other construction and land		-		-		17,470		-		638		-		18,108
Real estate mortgages
1-4 family residential		-		1,500		60,232		618		716		-		63,066
Home equity lines of credit		-		-		28,631		-		82		-		28,713
Multifamily		-		-		21,170		-		-		-		21,170
Commercial owner occupied		-		-		57,562		-		1,116		-		58,678
Commercial non-owner occupied		-		-		88,067		1,071		1,139		-		90,277
Consumer
Consumer revolving credit		88		15,523		544		-		6		-		16,161
Consumer all other credit		253		8,439		1,573		-		43		-		10,308
Student loans purchased		-		10,524		-		-		-		-		10,524
Total Loans	$	1,001	$	67,286	$	313,301	$	1,689	$	6,821	$	-	$	390,098

							Special		Sub-
December 31, 2014		Excellent		Good		Pass		Mention		standard		Doubtful		TOTAL
Commercial
Commercial and industrial - organic	$	3,579	$	23,261	$	18,487	$	64	$	734	$	-	$	46,125
Commercial and industrial - syndicated		-		-		14,815		-		-		-		14,815
Real estate construction
Residential construction		-		-		337		-		-		-		337
Other construction and land		-		-		10,903		507		165		-		11,575
Real estate mortgages
1-4 family residential		-		1,910		56,968		455		829		-		60,162
Home equity lines of credit		-		-		25,411		-		87		-		25,498
Multifamily		-		-		26,462		-		-		-		26,462
Commercial owner occupied		-		-		58,890		-		1,978		-		60,868
Commercial non-owner occupied		-		-		54,012		-		-		-		54,012
Consumer
Consumer revolving credit		34		3,054		332		-		8		-		3,428
Consumer all other credit		200		7,856		1,867		-		49		-		9,972
Total Loans	$	3,813	$	36,081	$	268,484	$	1,026	$	3,850	$	-	$	313,254

As of and for the period ended September 30, 2015

				Real Estate
	Commercial			Construction and		Real Estate		Consumer
	Loans			Land		Mortgages		Loans			Total
Allowance for Loan Losses:
Balance as of December 31, 2014	$	674		$	102	$	2,360	$	28		$	3,164
Charge-offs		(126	)		-		-		(3	)		(129	)
Recoveries		27			-		46		-			73
Provision for (recovery of) loan losses		191			39		179		(4	)		405
Ending Balance	$	766		$	141	$	2,585	$	21		$	3,513

Ending Balance:
Individually evaluated for impairment	$	-		$	-	$	-	$	-		$	-
Collectively evaluated for impairment		766			141		2,585		21			3,513

Loans:
Individually evaluated for impairment	$	47		$	62	$	1,576	$	-		$	1,685
Collectively evaluated for impairment		72,021			19,071		260,328		36,993			388,413
Ending Balance	$	72,068		$	19,133	$	261,904	$	36,993		$	390,098

As of and for the year ended December 31, 2014

				Real Estate
	Commercial			Construction and			Real Estate			Consumer
	Loans			Land			Mortgages			Loans			Total
Allowance for Loan Losses:
Balance as of December 31, 2013	$	340		$	198		$	2,788		$	34		$	3,360
Charge-offs		(286	)		-			(262	)		(3	)		(551	)
Recoveries		32			-			10			7			49
Provision for (recovery of) loan losses		588			(96	)		(176	)		(10	)		306
Ending Balance	$	674		$	102		$	2,360		$	28		$	3,164

Ending Balance:
Individually evaluated for impairment	$	-		$	-		$	-		$	-		$	-
Collectively evaluated for impairment		674			102			2,360			28			3,164

Loans:
Individually evaluated for impairment	$	-		$	69		$	1,628		$	-		$	1,697
Collectively evaluated for impairment		60,940			11,843			225,374			13,400			311,557
Ending Balance	$	60,940		$	11,912		$	227,002		$	13,400		$	313,254

Past Due Aging as of													90 Days
September 30, 2015		30-59		60-89		90 Days or								Past Due
	Days Past		Days Past		More Past		Total Past				Total		and Still
	Due		Due		Due		Due		Current		Loans		Accruing
Commercial loans
Commercial and industrial - organic	$	-	$	-	$	47	$	47	$	47,994	$	48,041	$	-
Commercial and industrial - syndicated		-		-		-		-		24,027		24,027		-
Real estate construction and land
Residential construction		-		-		-		-		1,025		1,025		-
Other construction and land		-		-		-		-		18,108		18,108		-
Real estate mortgages
1-4 family residential		-		36		23		59		63,007		63,066		23
Home equity lines of credit		12		-		-		12		28,701		28,713		-
Multifamily		-		-		-		-		21,170		21,170		-
Commercial owner occupied		-		-		-		-		58,678		58,678		-
Commercial non-owner occupied		-		-		-		-		90,277		90,277		-
Consumer loans
Consumer revolving credit		34		-		-		34		16,127		16,161		-
Consumer all other credit		3		-		-		3		10,305		10,308		-
Student loans purchased		127		5		28		160		10,364		10,524		28
Total Loans	$	176	$	41	$	98	$	315	$	389,783	$	390,098	$	51

Past Due Aging as of															90 Days
December 31, 2014		30-59		60-89			90 Days or									Past Due
	Days Past		Days Past			More Past		Total Past				Total			and Still
	Due		Due			Due		Due		Current		Loans			Accruing
Commercial loans
Commercial and industrial - organic	$	6	$	-	$		-	$	6	$	46,119	$	46,125	$		-
Commercial and industrial - syndicated		-		-			-		-		14,815		14,815			-
Real estate construction and land
Residential construction		-		-			-		-		337		337			-
Other construction and land		-		-			-		-		11,575		11,575			-
Real estate mortgages
1-4 family residential		-		24			-		24		60,138		60,162			-
Home equity lines of credit		-		-			-		-		25,498		25,498			-
Multifamily		-		-			-		-		26,462		26,462			-
Commercial owner occupied		-		-			-		-		60,868		60,868			-
Commercial non-owner occupied		-		-			-		-		54,012		54,012			-
Consumer loans
Consumer revolving credit		1		-			-		1		3,427		3,428			-
Consumer all other credit		12		30			-		42		9,930		9,972			-
Total Loans	$	19	$	54	$		-	$	73	$	313,181	$	313,254	$		-