Allowance For Credit Losses (Tables)

12 Months Ended

Dec. 31, 2014

Allowance For Credit Losses [Abstract]

Age Analysis Of Past Due Loans Receivables

	December 31, 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	$	1,005	$	302	$	2,648	$	3,955	$	22,038	$	25,993	$	191
Commercial mortgage		48		187		236		471		256,839		257,310		-
Commercial:
Commercial term		-		-		-		-		80,819		80,819		-
Commercial construction		-		-		2,043		2,043		33,491		35,534		-
Lease financing		-		-		-		-		-		-		-
Consumer:
Home equity		58		214		386		658		49,534		50,192		119
Other		71		70		119		260		5,495		5,755		24
Total	$	1,182	$	773	$	5,432	$	7,387	$	448,216	$	455,603	$	334

	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

Non-Performing Assets

	December 31
(Dollars in thousands)	2014		2013
Non-accrual loans:
Residential mortgage	$	2,457	$	2,250
Commercial mortgage		1,294		266
Commercial:
Commercial term		198		-
Commercial construction		2,043		2,554
Lease financing		-		-
Consumer:
Home equity		432		434
Other		95		82
Total non-accrual loans		6,519		5,586
Loans 90 days past due and still accruing		334		141
Total non-performing loans		6,853		5,727
Other real estate owned & other repossessed property		901		1,096
Total non-performing assets	$	7,754	$	6,823

Impaired Loans By Loan Portfolio

	December 31, 2014
			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
(Dollars in thousands)	Investment		Balance		Allowance		Investment		Recognized
With no related allowance recorded:
Residential mortgage	$	2,457	$	3,270	$	-	$	2,010	$	-
Commercial mortgage		3,400		3,501		-		2,869		88
Commercial:
Commercial term		-		-		-		-		-
Commercial construction		1,706		4,822		-		1,310		-
Lease financing		-		-		-		-		-
Consumer:
Home equity		549		564		-		459		9
Other		94		102		-		62		-
Total	$	8,206	$	12,259	$	-	$	6,710	$	97
With allowance recorded:
Residential mortgage	$	-	$	-	$	-	$	151	$	-
Commercial mortgage		200		200		104		54		-
Commercial:
Commercial term		200		202		119		80		-
Commercial construction		450		2,031		50		1,026		-
Lease financing		-		-		-		-		-
Consumer:
Home equity		-		-		-		-		-
Other		-		-		-		43		-
Total	$	850	$	2,433	$	273	$	1,354	$	-
Total:
Residential mortgage	$	2,457	$	3,270	$	-	$	2,161	$	-
Commercial mortgage		3,600		3,701		104		2,923		88
Commercial:
Commercial term		200		202		119		80		-
Commercial construction		2,156		6,853		50		2,336		-
Lease financing		-		-		-		-		-
Consumer:
Home equity		549		564		-		459		9
Other		94		102		-		105		-
Total	$	9,056	$	14,692	$	273	$	8,064	$	97

	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

Credit Quality Indicators

	December 31, 2014
				Special
(Dollars in thousands)		Pass		Mention		Substandard		Doubtful		Total
Residential mortgage	$	23,259	$	-	$	2,734	$	-	$	25,993
Commercial mortgage		245,307		2,610		9,393		-		257,310
Commercial:
Commercial term		75,303		72		5,444		-		80,819
Commercial construction		31,057		-		4,477		-		35,534
Lease financing		-		-		-		-		-
Consumer:
Home equity		49,611		-		581		-		50,192
Other		5,661		-		94		-		5,755
Total	$	430,198	$	2,682	$	22,723	$	-	$	455,603

	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

Allowance for Credit Losses and Recorded Investment in Financing Receivables

	Year Ended December 31, 2014
	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		(326)		(8)		(47)		(511)		(1)		-		(82)		-		(975)
Recoveries		5		-		3		103		8		-		9		-		128
Provisions		305		298		132		256		(7)		33		65		48		1,130
Ending balance - December 31, 2014	$	269	$	2,300	$	709	$	881	$	-	$	189	$	70	$	488	$	4,906
Ending balance: individually
evaluated for impairment	$	-	$	104	$	119	$	50	$	-	$	-	$	-	$	-	$	273
Ending balance: collectively
evaluated for impairment	$	269	$	2,196	$	590	$	831	$	-	$	189	$	70	$	488	$	4,633
Ending balance: Loan
receivables	$	25,993	$	257,310	$	80,819	$	35,534	$	-	$	50,192	$	5,755			$	455,603
Ending balance: individually
evaluated for impairment	$	2,457	$	3,600	$	200	$	2,156	$	-	$	549	$	94			$	9,056
Ending balance: collectively
evaluated for impairment	$	23,536	$	253,710	$	80,619	$	33,378	$	-	$	49,643	$	5,661			$	446,547

	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
Ending balance: Loan
receivables	$	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