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Loans And Leases
 9 Months Ended
Sep. 30, 2013
Loans And Leases [Abstract]  
Loans And Leases

NOTE 4: LOANS AND LEASES

   

The following table sets forth information concerning the composition of total loans and leases outstanding, as of the dates indicated.

 

 

 

 

 

 

 

 

 

 

 

(Dollars in thousands)

 

September 30, 2013

 

December 31, 2012

Residential mortgage

$
23,814 

$
25,835 

Commercial mortgage

 
226,629 

 
234,202 

Commercial:

 

 

 

 

Commercial term

 
88,466 

 
81,888 

Commercial construction

 
15,489 

 
12,247 

Lease financing

 
3 

 
67 

Consumer:

 

 

 

 

Home equity

 
38,626 

 
35,322 

Other

 
6,212 

 
6,937 

Total loans and leases

$
399,239 

$
396,498 

Less allowance for credit losses

 
(4,306)

 
(6,838)

Net loans and leases

$
394,933 

$
389,660 

 

If contractual interest income had been recorded on non-accrual loans, interest would have been increased as shown in the following tables:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

September 30, 2013

(Dollars in thousands)

 

Balances

 

Interest income that would have been recorded under original terms

 

Interest income recorded during the period

 

Net impact on interest income

Non-accrual loans:

 

 

 

 

 

 

 

 

Residential mortgage

$
2,257 

$
51 

$

 -

$
51 

Commercial mortgage

 
281 

 
155 

 

 -

 
155 

Commercial:

 

 -

 

 

 

 

 

 -

Commercial term

 

 -

 
4 

 

 -

 
4 

Commercial construction

 
2,554 

 
299 

 

 -

 
299 

Lease financing

 

 -

 
1 

 

 -

 
1 

Consumer:

 

 -

 

 

 

 

 

 -

Home Equity

 
60 

 
4 

 

 -

 
4 

Other

 
102 

 
12 

 
3 

 
9 

Total non-accrual loans

$
5,254 

$
526 

$
3 

$
523 

Loans 90 days past due and still accruing

 
335 

 

 

 

 

 

 

Total non-performing loans

$
5,589 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

September 30, 2012

(Dollars in thousands)

 

Balances

 

Interest income that would have been recorded under original terms

 

Interest income recorded during the period

 

Net impact on interest income

Non-accrual loans:

 

 

 

 

 

 

 

 

Residential mortgage

$
2,200 

$
46 

$

 -

$
46 

Commercial mortgage

 
321 

 
17 

 
1 

 
16 

Commercial:

 

 

 

 

 

 

 

 -

Commercial term

 
65 

 
15 

 
12 

 
3 

Commercial construction

 
4,326 

 
164 

 
196 

 
(32)

Lease financing

 
33 

 
2 

 

 -

 
2 

Consumer:

 

 

 

 

 

 

 

 -

Home Equity

 
119 

 
7 

 

 -

 
7 

Other

 
44 

 
4 

 
4 

 

 -

Total non-accrual loans

$
7,108 

$
255 

$
213 

$
42 

Loans 90 days past due and still accruing

 
2,721 

 

 

 

 

 

 

Total non-performing loans

$
9,829