Allowance for Loan Losses

9 Months Ended

Sep. 30, 2012

Allowance for Loan Losses [Abstract]

ALLOWANCE FOR LOAN LOSSES

NOTE 4 - ALLOWANCE FOR LOAN LOSSES

The following table summarizes the primary segments of the ALL, segregated into the amount for loans individually evaluated for impairment by class of loans as of September 30, 2012 and September 30, 2011 (in thousands):

September 30, 2012	Commercial and other			Commercial Real Estate			Consumer Real Estate		Consumer			Total
Allowance for Loan Losses:
Beginning Balance, January 1, 2012	$	179		$	2,082		$	193	$	50		$	2,504
Charge-offs		—			(3	)		—		(7	)		(10	)
Recoveries		—			15			—		4			19
Provision		(10	)		(54	)		74		(10	)		—
Ending Balance, September 30, 2012	$	169		$	2,040		$	267	$	37		$	2,513
Loans individually evaluated for impairment	$	24		$	795		$	—	$	—		$	819
Loans collectively evaluated for impairment		145			1,245			267		37			1,694
Ending Balance	$	169		$	2,040		$	267	$	37		$	2,513

September 30, 2011	Commercial and other			Commercial Real Estate			Consumer Real Estate			Consumer			Total
Allowance for Loan Losses:
Beginning Balance, January 1, 2011	$	212		$	1,511		$	272		$	64		$	2,059
Charge-offs		(8	)		(156	)		(7	)		(15	)		(186	)
Recoveries		2			45			—			5			52
Provision		(37	)		775			(131	)		(7	)		600
Ending Balance, September 30, 2011	$	169		$	2,175		$	134		$	47		$	2,525
Loans individually evaluated for impairment	$	—		$	851		$	—		$	—		$	851
Loans collectively evaluated for impairment		169			1,324			134			47			1,674
Ending Balance	$	169		$	2,175		$	134		$	47		$	2,525

The following table summarizes the primary segments of the ALL for the three months ended as of September 30, 2012 and September 30, 2011 (in thousands):

September 30, 2012	Commercial and other			Commercial Real Estate			Consumer Real Estate			Consumer			Total
Allowance for Loan Losses:
Beginning Balance, July 1, 2012	$	170		$	2,050		$	254		$	40		$	2,514
Charge-offs		—			—			—			(2	)		(2	)
Recoveries		—			—			—			1			1
Provision		(1	)		(10	)		13			(2	)		—
Ending Balance, September 30, 2012	$	169		$	2,040		$	267		$	37		$	2,513
September 30, 2011	Commercial and other			Commercial Real Estate			Consumer Real Estate			Consumer			Total
Allowance for Loan Losses:
Beginning Balance, July 1, 2011	$	175		$	2,055		$	249		$	50		$	2,529
Charge-offs		—			—			1			(6	)		(5	)
Recoveries		—			1			—			1			2
Provision		(6	)		119			(116	)		2			(1	)
Ending Balance, September 30, 2011	$	169		$	2,175		$	134		$	47		$	2,525

The following table presents loans individually and collectively evaluated for impairment by class of loans as of September 30, 2012 and December 31, 2011 (in thousands):

September 30, 2012	Commercial and other		Commercial Real Estate		Consumer Real Estate		Consumer		Unearned Discounts			Total
Loans individually evaluated	$	34	$	3,296	$	234	$	—	$	—		$	3,564
Loans collectively evaluated		15,215		46,004		30,246		5,786		(89	)		97,162
Ending Balance	$	15,249	$	49,300	$	30,480	$	5,786	$	(89	)	$	100,726
December 31, 2011
Loans individually evaluated	$	46	$	3,533	$	312	$	—	$	—		$	3,891
Loans collectively evaluated		15,892		52,835		29,840		7,090		(119	)		105,538
Ending Balance	$	15,938	$	56,368	$	30,152	$	7,090	$	(119	)	$	109,429