Allowance For Credit Losses (Tables)

3 Months Ended

Mar. 31, 2015

Allowance For Credit Losses [Abstract]

Age Analysis Of Past Due Loans Receivables

Age Analysis of Past Due Loans Receivable

March 31, 2015
														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		Receivable		Accruing
Residential mortgage	$	1,408	$	-	$	2,635	$	4,043	$	22,495	$	26,538	$	189
Commercial mortgage		43		-		363		406		268,180		268,586		-
Commercial:
Commercial term		-		-		-		-		81,730		81,730		-
Commercial construction		-		-		2,043		2,043		28,372		30,415		-
Consumer:
Home equity		16		112		405		533		50,736		51,269		50
Other		-		-		194		194		5,368		5,562		-
Total	$	1,467	$	112	$	5,640	$	7,219	$	456,881	$	464,100	$	239

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		Receivable		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		-
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

Impaired Loans By Loan Portfolio

		March 31, 2015						December 31, 2014
		Recorded		Unpaid		Related		Recorded		Unpaid		Related
		Investment		Principal		Allowance		Investment		Principal		Allowance
(Dollars in thousands)				Balance						Balance
With no related allowance recorded:
Residential mortgage	$	2,182	$	2,958	$	-	$	2,457	$	3,270	$	-
Commercial mortgage		3,372		3,492		-		3,400		3,501		-
Commercial construction		1,094		1,877		-		1,706		4,822		-
Consumer:
Home equity		459		474		-		549		564		-
Other		194		194		-		94		102		-
Total	$	7,301	$	8,995	$	-	$	8,206	$	12,259	$	-
With allowance recorded:
Residential mortgage		408		445		1		-		-		-
Commercial mortgage		202		202		106		200		200		104
Commercial:
Commercial term		200		205		116		200		202		119
Commercial construction		1,062		4,976		147		450		2,031		50
Consumer:
Home equity		88		88		31		-		-		-
Total	$	1,960	$	5,916	$	401	$	850	$	2,433	$	273
Total:
Residential mortgage		2,590		3,403		1		2,457		3,270		-
Commercial mortgage		3,574		3,694		106		3,600		3,701		104
Commercial:
Commercial term		200		205		116		200		202		119
Commercial construction		2,156		6,853		147		2,156		6,853		50
Consumer:
Home equity		547		562		31		549		564		-
Other		194		194		-		94		102		-
Total	$	9,261	$	14,911	$	401	$	9,056	$	14,692	$	273

		Three Months Ended				Three Months Ended
		March 31, 2015				March 31, 2014
		Average		Interest		Average		Interest
		Recorded		Income		Recorded		Income
(Dollars in thousands)		Investment		Recognized		Investment		Recognized
With no related allowance recorded:
Residential mortgage	$	2,320	$	-	$	1,872	$	-
Commercial mortgage		3,386		26		2,509		-
Commercial construction		1,400		-		797		-
Consumer:
Home equity		504		1		415		1
Other		144		-		47		-
Total	$	7,754	$	27	$	5,640	$	1
With allowance recorded:
Residential mortgage		204		-		377		-
Commercial mortgage		201		-		36		-
Commercial:
Commercial term		200		-		-		-
Commercial construction		756		-		1,684		-
Consumer:
Home equity		44		-		-		-
Other		-		-		71		-
Total	$	1,405	$	-	$	2,168	$	-
Total:
Residential mortgage		2,524		-		2,249		-
Commercial mortgage		3,587		26		2,545		-
Commercial:
Commercial term		200		-		-		-
Commercial construction		2,156		-		2,481		-
Consumer:
Home equity		548		1		415		1
Other		144		-		118		-
Total	$	9,159	$	27	$	7,808	$	1

Credit Quality Indicators

		March 31, 2015
				Special
(Dollars in thousands)		Pass		Mention		Substandard		Doubtful		Total
Residential mortgage	$	23,817	$	-	$	2,721	$	-	$	26,538
Commercial mortgage		256,698		2,593		9,295		-		268,586
Commercial:
Commercial term		76,192		72		5,466		-		81,730
Commercial construction		25,846		-		4,569		-		30,415
Consumer:
Home equity		50,690		-		579		-		51,269
Other		5,368		-		194		-		5,562
Total	$	438,611	$	2,665	$	22,824	$	-	$	464,100

		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
Consumer:
Home equity		49,611		-		581		-		50,192
Other		5,661		-		94		-		5,755
Total	$	430,198	$	2,682	$	22,723	$	-	$	455,603

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 - January 1, 2015	$	269	$	2,300	$	709	$	881	$	-	$	189	$	70	$	488	$	4,906
Charge-offs		-		-		(11)		-		-		-		(6)		-		(17)
Recoveries		-		-		-		-		1		-		-		-		1
Provisions		-		98		7		41		(1)		35		2		118		300
Ending balance - March 31, 2015	$	269	$	2,398	$	705	$	922	$	-	$	224	$	66	$	606	$	5,190
Ending balance: individually evaluated for impairment	$	1	$	106	$	116	$	147	$	-	$	31	$	-	$	-	$	401
Ending balance: collectively evaluated for impairment	$	268	$	2,292	$	589	$	775	$	-	$	193	$	66	$	606	$	4,789
Loans receivables:
Ending balance	$	26,538	$	268,586	$	81,730	$	30,415	$	-	$	51,269	$	5,562			$	464,100
Ending balance: individually evaluated for impairment	$	2,590	$	3,574	$	200	$	2,156	$	-	$	547	$	194			$	9,261
Ending balance: collectively evaluated for impairment	$	23,948	$	265,012	$	81,530	$	28,259	$	-	$	50,722	$	5,368			$	454,839
Reserve for unfunded loan commitments included in other liabilities	$	-	$	4	$	87	$	53	$	-	$	12	$	-			$	156

	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		-		-		(7)		(261)		-		-		-		-		(268)
Recoveries		3		-		-		10		1		-		6		-		20
Provisions		59		156		38		24		(1)		11		41		47		375
Ending balance - March 31, 2014	$	347	$	2,166	$	652	$	806	$	-	$	167	$	125	$	487	$	4,750
Reserve for unfunded loan commitments included in other liabilities	$	-	$	11	$	70	$	50	$	-	$	11	$	-			$	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, 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
Loans receivables:
Ending balance	$	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
Reserve for unfunded loan commitments included in other liabilities	$	-	$	10	$	89	$	55	$	-	$	12	$	-			$	166