Allowance For Credit Losses (Tables)

12 Months Ended

Dec. 31, 2013

Allowance For Credit Losses [Abstract]

Age Analysis Of Past Due Loans Receivables

	December 31, 2013
														Loans
														Receivable
		30-59		60-89		Greater						Total		> 90
		Days Past		Days Past		than		Total				Loans		Days and
(Dollars in thousands)		Due		Due		90 Days		Past Due		Current		Receivables		Accruing
Residential mortgage	$	507	$	865	$	1,757	$	3,129	$	21,548	$	24,677	$	-
Commercial mortgage		358		192		74		624		233,975		234,599		-
Commercial:
Commercial term		50		-		-		50		89,229		89,279		-
Commercial construction		-		-		2,554		2,554		16,563		19,117		-
Lease financing		-		-		2		2		-		2		2
Consumer:
Home equity		-		50		376		426		40,992		41,418		67
Other		80		-		77		157		6,105		6,262		72
Total	$	995	$	1,107	$	4,840	$	6,942	$	408,412	$	415,354	$	141

	December 31, 2012
													Loans
													Receivable
	30-59		60-89		Greater						Total		> 90
	Days Past		Days Past		than		Total				Loans		Days and
(Dollars in thousands)	Due		Due		90 Days		Past Due		Current		Receivables		Accruing
Residential mortgage	$	692	$	319	$	2,256	$	3,267	$	22,568	$	25,835	$	60
Commercial mortgage		68		-		3,514		3,582		230,620		234,202		710
Commercial:
Commercial term		-		-		-		-		81,888		81,888		-
Commercial construction		-		-		2,031		2,031		10,216		12,247		-
Lease financing		-		-		28		28		39		67		-
Consumer:
Home equity		162		-		152		314		35,008		35,322		92
Other		95		-		54		149		6,788		6,937		7
Total	$	1,017	$	319	$	8,035	$	9,371	$	387,127	$	396,498	$	869

Non-Performing Assets

	December 31
(Dollars in thousands)	2013		2012
Non-accrual loans:
Residential mortgage	$	2,250	$	2,196
Commercial mortgage		266		2,804
Commercial:
Commercial term		-		-
Commercial construction		2,554		4,326
Lease financing		-		28
Consumer:
Home equity		434		64
Other		82		147
Total non-accrual loans		5,586		9,565
Loans 90 days past due and still accruing		141		869
Total non-performing loans		5,727		10,434
Other real estate owned & other repossessed property		1,096		1,237
Total non-performing assets	$	6,823	$	11,671

Impaired Loans By Loan Portfolio

	December 31, 2013
			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
(Dollars in thousands)	Investment		Balance		Allowance		Investment		Recognized
With no related allowance recorded:
Residential mortgage	$	2,250	$	2,848	$	-	$	2,393	$	-
Commercial mortgage		2,502		2,574		-		2,018		-
Commercial:
Commercial term		-		3		-		-		-
Commercial construction		499		3,355		-		1,047		-
Lease financing		-		-		-		11		-
Consumer:
Home equity		434		442		-		136		-
Other		78		78		-		115		3
Total:	$	5,763	$	9,300	$	-	$	5,720	$	3
With allowance recorded:
Residential mortgage	$	-	$	-	$	-	$	64	$	-
Commercial mortgage		36		36		14		1,477		-
Commercial:
Commercial term		-		-		-		40		-
Commercial construction		2,055		3,386		361		3,007		-
Lease financing		-		-		-		-		-
Consumer:
Home equity		-		-		-		-		-
Other		4		4		4		1		-
Total:	$	2,095	$	3,426	$	379	$	4,589	$	-
Total:
Residential mortgage	$	2,250	$	2,848	$	-	$	2,457	$	-
Commercial mortgage		2,538		2,610		14		3,495		-
Commercial:
Commercial term		-		3		-		40		-
Commercial construction		2,554		6,741		361		4,054		-
Lease financing		-		-		-		11		-
Consumer:
Home equity		434		442		-		136		-
Other		82		82		4		116		3
Total:	$	7,858	$	12,726	$	379	$	10,309	$	3

	December 31, 2012
			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
(Dollars in thousands)	Investment		Balance		Allowance		Investment		Recognized
With no related allowance recorded:
Residential mortgage	$	2,386	$	2,883	$	-	$	2,243	$	-
Commercial mortgage		2,807		2,814		-		699		1
Commercial:
Commercial term		-		3		-		111		12
Commercial construction		-		-		-		1,855		130
Lease financing		28		36		-		49		1
Consumer:
Home equity		64		72		-		85		2
Other		147		147		-		82		2
Total:	$	5,432	$	5,955	$	-	$	5,124	$	148
With allowance recorded:
Residential mortgage	$	-	$	-	$	-	$	-	$	-
Commercial mortgage		2,565		2,569		151		985		158
Commercial:
Commercial term		-		-		-		-		-
Commercial construction		4,326		4,864		864		2,628		66
Lease financing		-		-		-		-		-
Consumer:
Home equity		-		-		-		-		-
Other		-		-		-		-		-
Total:	$	6,891	$	7,433	$	1,015	$	3,613	$	224
Total:
Residential mortgage	$	2,386	$	2,883	$	-	$	2,243	$	-
Commercial mortgage		5,372		5,383		151		1,684		159
Commercial:
Commercial term		-		3		-		111		12
Commercial construction		4,326		4,864		864		4,483		196
Lease financing		28		36		-		49		1
Consumer:
Home equity		64		72		-		85		2
Other		147		147		-		82		2
Total:	$	12,323	$	13,388	$	1,015	$	8,737	$	372

Credit Quality Indicators

	December 31, 2013
				Special
(Dollars in thousands)		Pass		Mention		Substandard		Doubtful		Total
Residential mortgage	$	22,142	$	-	$	2,535	$	-	$	24,677
Commercial mortgage		224,868		5,028		4,703		-		234,599
Commercial:
Commercial term		88,657		419		203		-		89,279
Commercial construction		16,450		-		1,967		700		19,117
Lease financing		2		-		-		-		2
Consumer:
Home equity		40,940		-		478		-		41,418
Other		6,180		-		82		-		6,262
Total	$	399,239	$	5,447	$	9,968	$	700	$	415,354

	December 31, 2012
			Special
(Dollars in thousands)	Pass		Mention		Substandard		Doubtful		Total
Residential mortgage	$	23,346	$	-	$	2,489	$	-	$	25,835
Commercial mortgage		211,001		10,847		12,354		-		234,202
Commercial:
Commercial term		81,394		73		421		-		81,888
Commercial construction		4,018		-		6,198		2,031		12,247
Lease financing		67		-		-		-		67
Consumer:
Home equity		35,069		-		253		-		35,322
Other		6,933		-		4		-		6,937
Total	$	361,828	$	10,920	$	21,719	$	2,031	$	396,498

Allowance For Credit Losses And Recorded Investments In Loans Receivables

Allowance for Credit Losses and Recorded Investment in Financing Receivables

	Year Ended December 31, 2013
	Residential		Commercial		Commercial		Commercial		Lease		Consumer		Consumer
(Dollars in thousands)	mortgage		mortgage		term		construction		financing		home equity		other		Unallocated		Total
Allowance for credit losses:
Beginning balance - January 1, 2013	$	306	$	3,094	$	506	$	1,536	$	3	$	178	$	86	$	1,129	$	6,838
Charge-offs		(183)		(716)		(247)		(3,648)		(26)		-		(70)		-		(4,890)
Recoveries		80		-		5		-		59		-		1		-		145
Provisions		82		(368)		357		3,145		(36)		(22)		61		(689)		2,530
Ending balance - December 31, 2013	$	285	$	2,010	$	621	$	1,033	$	-	$	156	$	78	$	440	$	4,623
Ending balance: individually
evaluated for impairment	$	-	$	14	$	-	$	361	$	-	$	-	$	4	$	-	$	379
Ending balance: collectively
evaluated for impairment	$	285	$	1,996	$	621	$	672	$	-	$	156	$	74	$	440	$	4,244
Loans receivables:
Ending balance	$	24,677	$	234,599	$	89,279	$	19,117	$	2	$	41,418	$	6,262			$	415,354
Ending balance: individually
evaluated for impairment	$	2,250	$	2,538	$	-	$	2,554	$	-	$	434	$	82			$	7,858
Ending balance: collectively
evaluated for impairment	$	22,427	$	232,061	$	89,279	$	16,563	$	2	$	40,984	$	6,180			$	407,496

	Year Ended December 31, 2012
	Residential		Commercial		Commercial		Commercial		Lease		Consumer		Consumer
(Dollars in thousands)	mortgage		mortgage		term		construction		financing		home equity		other		Unallocated		Total
Allowance for credit losses:
Beginning balance - January 1, 2012	$	383	$	3,442	$	474	$	1,029	$	10	$	165	$	95	$	566	$	6,164
Charge-offs		(99)		-		(38)		(848)		(1)		-		(31)		-		(1,017)
Recoveries		21		-		115		-		72		-		28		-		236
Provisions		1		(348)		(45)		1,355		(78)		13		(6)		563		1,455
Ending balance - December 31, 2012	$	306	$	3,094	$	506	$	1,536	$	3	$	178	$	86	$	1,129	$	6,838
Ending balance: individually
evaluated for impairment	$	-	$	151	$	-	$	864	$	-	$	-	$	-	$	-	$	1,015
Ending balance: collectively
evaluated for impairment	$	306	$	2,943	$	506	$	672	$	3	$	178	$	86	$	1,129	$	5,823
Loans receivables:
Ending balance	$	25,835	$	234,202	$	81,888	$	12,247	$	67	$	35,322	$	6,937			$	396,498
Ending balance: individually
evaluated for impairment	$	2,386	$	5,372	$	-	$	4,326	$	28	$	64	$	147			$	12,323
Ending balance: collectively
evaluated for impairment	$	23,449	$	228,830	$	81,888	$	7,921	$	39	$	35,258	$	6,790			$	384,175