Allowance For Credit Losses (Tables)

6 Months Ended

Jun. 30, 2014

Allowance For Credit Losses [Abstract]

Age Analysis Of Past Due Loans Receivables

Age Analysis of Past Due Loans Receivables

June 30, 2014
														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	$	306	$	465	$	2,234	$	3,005	$	22,332	$	25,337	$	500
Commercial mortgage		1,322		202		35		1,559		248,455		250,014		-
Commercial:
Commercial term		-		-		-		-		87,912		87,912		-
Commercial construction		-		-		2,293		2,293		20,549		22,842		-
Lease financing		-		-		1		1		-		1		1
Consumer:
Home equity		6		-		263		269		46,588		46,857		-
Other		114		69		99		282		5,777		6,059		-
Total	$	1,748	$	736	$	4,925	$	7,409	$	431,613	$	439,022	$	501

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

Impaired Loans By Loan Portfolio

		June 30, 2014						December 31, 2013
		Recorded		Unpaid		Related		Recorded		Unpaid		Related
		Investment		Principal		Allowance		Investment		Principal		Allowance
(Dollars in thousands)				Balance						Balance
With no related allowance recorded:
Residential mortgage	$	1,734	$	2,321	$	-	$	2,250	$	2,848	$	-
Commercial mortgage		2,499		2,579		-		2,502		2,574		-
Commercial:
Commercial term		-		-		-		-		3		-
Commercial construction		1,094		1,877		-		499		3,355		-
Consumer:
Home equity		460		472		-		434		442		-
Other		27		31		-		78		78		-
Total	$	5,814	$	7,280	$	-	$	5,763	$	9,300	$	-
With allowance recorded:
Residential mortgage		-		-		-		-		-		-
Commercial mortgage		-		-		-		36		36		14
Commercial:
Commercial term		-		-		-		-		-		-
Commercial construction		1,312		4,976		276		2,055		3,386		361
Consumer:
Home equity		-		-		-		-		-		-
Other		72		72		24		4		4		4
Total	$	1,384	$	5,048	$	300	$	2,095	$	3,426	$	379
Total:
Residential mortgage		1,734		2,321		-		2,250		2,848		-
Commercial mortgage		2,499		2,579		-		2,538		2,610		14
Commercial:
Commercial term		-		-		-		-		3		-
Commercial construction		2,406		6,853		276		2,554		6,741		361
Consumer:
Home equity		460		472		-		434		442		-
Other		99		103		24		82		82		4
Total	$	7,198	$	12,328	$	300	$	7,858	$	12,726	$	379

		Three Months Ended				Three Months Ended				Six Months Ended				Six Months Ended
		June 30, 2014				June 30, 2013				June 30, 2014				June 30, 2013
		Average		Interest		Average		Interest		Average		Interest		Average		Interest
		Recorded		Income		Recorded		Income		Recorded		Income		Recorded		Income
(Dollars in thousands)		Investment		Recognized		Investment		Recognized		Investment		Recognized		Investment		Recognized
With no related allowance recorded:
Residential mortgage	$	1,614	$	-	$	2,414	$	-	$	1,826	$	-	$	2,405	$	-
Commercial mortgage		2,508		-		2,250		-		2,506		-		2,436		-
Commercial:
Commercial term		-		-		-		-		-		-		-		-
Commercial construction		1,094		-		1,091		-		896		-		727		-
Lease financing		-		-		13		-		-		-		18		-
Consumer:
Home equity		428		2		61		-		430		3		62		-
Other		22		-		124		3		40		-		132		3
Total	$	5,666	$	2	$	5,953	$	3	$	5,698	$	3	$	5,780	$	3
With allowance recorded:
Residential mortgage		377		-		159		-		251		-		106		-
Commercial mortgage		18		-		2,392		-		24		-		2,449		-
Commercial:
Commercial term		-		-		100		-		-		-		67		-
Commercial construction		1,312		-		4,326		-		1,560		-		4,326		-
Lease financing		-		-		-		-		-		-		-		-
Consumer:
Home equity		-		-		-		-		-		-		-		-
Other		105		-		-		-		71		-		-		-
Total	$	1,811	$	-	$	6,977	$	-	$	1,906	$	-	$	6,948	$	-
Total:
Residential mortgage		1,991		-		2,573		-		2,077		-		2,511		-
Commercial mortgage		2,526		-		4,642		-		2,530		-		4,885		-
Commercial:
Commercial term		-		-		100		-		-		-		67		-
Commercial construction		2,406		-		5,417		-		2,456		-		5,053		-
Lease financing		-		-		13		-		-		-		18		-
Consumer:
Home equity		428		2		61		-		430		3		62		-
Other		127		-		124		3		111		-		132		3
Total	$	7,477	$	2	$	12,930	$	3	$	7,604	$	3	$	12,728	$	3

Credit Quality Indicators

		June 30, 2014
				Special
(Dollars in thousands)		Pass		Mention		Substandard		Doubtful		Total
Residential mortgage	$	23,321	$	-	$	2,016	$	-	$	25,337
Commercial mortgage		240,201		415		9,398		-		250,014
Commercial:
Commercial term		82,192		72		5,648		-		87,912
Commercial construction		18,767		-		3,375		700		22,842
Lease financing		1		-		-		-		1
Consumer:
Home equity		46,362		-		495		-		46,857
Other		5,961		-		98		-		6,059
Total	$	416,805	$	487	$	21,030	$	700	$	439,022

		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

Allowance For Credit Losses And Recorded Investments In Loans Receivables

	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 - April 1, 2014	$	347	$	2,146	$	652	$	806	$	-	$	167	$	125	$	507	$	4,750
Charge-offs		(100)		(8)		(11)		-		-		-		(11)		-		(130)
Recoveries		2		-		2		-		5		-		3		-		12
Provisions		66		(7)		(2)		213		(5)		9		(19)		-		255
Ending balance - June 30, 2014	$	315	$	2,131	$	641	$	1,019	$	-	$	176	$	98	$	507	$	4,887

	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, 2014	$	285	$	2,010	$	621	$	1,033	$	-	$	156	$	78	$	440	$	4,623
Charge-offs		(100)		(8)		(18)		(261)		-		-		(11)		-		(398)
Recoveries		5		-		2		10		6		-		9		-		32
Provisions		125		129		36		237		(6)		20		22		67		630
Ending balance - June 30, 2014	$	315	$	2,131	$	641	$	1,019	$	-	$	176	$	98	$	507	$	4,887
Ending balance: individually evaluated for impairment	$	-	$	-	$	-	$	276	$	-	$	-	$	24	$	-	$	300
Ending balance: collectively evaluated for impairment	$	315	$	2,131	$	641	$	743	$	-	$	176	$	74	$	507	$	4,587
Loans receivables:
Ending balance	$	25,337	$	250,014	$	87,912	$	22,842	$	1	$	46,857	$	6,059			$	439,022
Ending balance: individually evaluated for impairment	$	1,734	$	2,499	$	-	$	2,406	$	-	$	460	$	99			$	7,198
Ending balance: collectively evaluated for impairment	$	23,603	$	247,515	$	87,912	$	20,436	$	1	$	46,397	$	5,960			$	431,824
Reserve for unfunded loan commitments included in other liabilities	$	-	$	10	$	79	$	60	$	-	$	11	$	-			$	160

	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 - April 1, 2013	$	327	$	3,248	$	711	$	1,930	$	2	$	180	$	83	$	642	$	7,123
Charge-offs		(184)		(394)		(212)		-		(26)		-		-		-		(816)
Recoveries		5		-		1		-		2		-		-		-		8
Provisions		161		256		(16)		74		22		1		(3)		(120)		375
Ending balance - June 30, 2013	$	309	$	3,110	$	484	$	2,004	$	-	$	181	$	80	$	522	$	6,690

	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		(184)		(394)		(222)		-		(26)		-		(5)		-		(831)
Recoveries		70		-		5		-		53		-		-		-		128
Provisions		117		410		195		468		(30)		3		(1)		(607)		555
Ending balance - June 30, 2013	$	309	$	3,110	$	484	$	2,004	$	-	$	181	$	80	$	522	$	6,690
Reserve for unfunded loan commitments included in other liabilities	$	-	$	11	$	81	$	41	$	-	$	9	$	-			$	142

	Residential		Commercial		Commercial		Commercial		Lease		Consumer		Consumer
(Dollars in thousands)	mortgage		mortgage		term		construction		financing		home equity		Other		Unallocated		Total
Allowance for credit losses:
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
Reserve for unfunded loan commitments included in other liabilities	$	-	$	9	$	68	$	57	$	-	$	9	$	-			$	143