Allowance For Credit Losses (Tables)

9 Months Ended

Sep. 30, 2015

Allowance For Credit Losses [Abstract]

Age Analysis Of Past Due Loans Receivables

Age Analysis of Past Due Loans Receivable

September 30, 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	$	54	$	1,440	$	2,021	$	3,515	$	24,076	$	27,591	$	498
Commercial mortgage		259		-		96		355		286,806		287,161		-
Commercial:
Commercial term		-		-		-		-		77,020		77,020		-
Commercial construction		-		-		451		451		20,228		20,679		-
Consumer:
Home equity		-		-		246		246		52,294		52,540		-
Other		-		84		120		204		5,201		5,405		-
Total	$	313	$	1,524	$	2,934	$	4,771	$	465,625	$	470,396	$	498

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

		September 30, 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	$	1,483	$	2,083	$	-	$	2,457	$	3,270	$	-
Commercial mortgage		1,191		1,454		-		3,400		3,501		-
Commercial construction		-		-		-		1,706		4,822		-
Consumer:
Home equity		431		446		-		549		564		-
Other		80		88		-		94		102		-
Total	$	3,185	$	4,071	$	-	$	8,206	$	12,259	$	-
With allowance recorded:
Residential mortgage		117		117		2		-		-		-
Commercial mortgage		-		-		-		200		200		104
Commercial:
Commercial term		200		209		112		200		202		119
Commercial construction		563		2,945		4		450		2,031		50
Consumer:
Other		40		40		2		-		-		-
Total	$	920	$	3,311	$	120	$	850	$	2,433	$	273
Total:
Residential mortgage		1,600		2,200		2		2,457		3,270		-
Commercial mortgage		1,191		1,454		-		3,600		3,701		104
Commercial:
Commercial term		200		209		112		200		202		119
Commercial construction		563		2,945		4		2,156		6,853		50
Consumer:
Home equity		431		446		-		549		564		-
Other		120		128		2		94		102		-
Total	$	4,105	$	7,382	$	120	$	9,056	$	14,692	$	273

		Three Months Ended				Three Months Ended				Nine Months Ended				Nine Months Ended
		September 30, 2015				September 30, 2014				September 30, 2015				September 30, 2014
		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	$	1,577	$	-	$	1,926	$	-	$	1,948	$	-	$	1,899	$	-
Commercial mortgage		2,277		28		2,964		29		2,831		85		2,736		76
Commercial construction		125		-		1,625		-		763		-		1,211		-
Consumer:
Home equity		489		1		459		1		497		3		437		7
Other		125		-		61		-		134		-		54		-
Total	$	4,593	$	29	$	7,035	$	30	$	6,173	$	88	$	6,337	$	83
With allowance recorded:
Residential mortgage		59		-		-		-		131		-		188		-
Commercial mortgage		101		-		-		-		151		-		18		-
Commercial:
Commercial term		200		-		100		-		200		-		50		-
Commercial construction		588		-		656		-		672		-		1,170		-
Consumer:
Home equity		-		-		-		-		22		-		-		-
Other		20		-		36		-		10		-		53		-
Total	$	968	$	-	$	792	$	-	$	1,186	$	-	$	1,479	$	-
Total:
Residential mortgage		1,636		-		1,926		-		2,079		-		2,087		-
Commercial mortgage		2,378		28		2,964		29		2,982		85		2,754		76
Commercial:
Commercial term		200		-		100		-		200		-		50		-
Commercial construction		713		-		2,281		-		1,435		-		2,381		-
Consumer:
Home equity		489		1		459		1		519		3		437		7
Other		145		-		97		-		144		-		107		-
Total	$	5,561	$	29	$	7,827	$	30	$	7,359	$	88	$	7,816	$	83

Credit Quality Indicators

		September 30, 2015
				Special
(Dollars in thousands)		Pass		Mention		Substandard		Doubtful		Total
Residential mortgage	$	25,720	$	-	$	1,871	$	-	$	27,591
Commercial mortgage		276,237		4,029		6,895		-		287,161
Commercial:
Commercial term		68,469		2,578		5,973		-		77,020
Commercial construction		16,662		-		4,017		-		20,679
Consumer:
Home equity		52,080		-		460		-		52,540
Other		5,285		-		120		-		5,405
Total	$	444,453	$	6,607	$	19,336	$	-	$	470,396

		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 - July 1, 2015	$	265	$	2,562	$	721	$	774	$	-	$	190	$	65	$	531	$	5,108
Charge-offs		(34)		(105)		(16)		(299)		-		(10)		(30)		-		(494)
Recoveries		2		-		8		5		-		-		-		-		15
Provisions		(39)		34		6		198		-		20		31		(150)		100
Ending balance - September 30, 2015	$	194	$	2,491	$	719	$	678	$	-	$	200	$	66	$	381	$	4,729

	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		(69)		(105)		(190)		(577)		-		(11)		(60)		-		(1,012)
Recoveries		2		-		10		5		2		-		1		-		20
Provisions		(8)		296		190		369		(2)		22		55		(107)		815
Ending balance - September 30, 2015	$	194	$	2,491	$	719	$	678	$	-	$	200	$	66	$	381	$	4,729
Ending balance: individually evaluated for impairment	$	2	$	-	$	112	$	4	$	-	$	-	$	2	$	-	$	120
Ending balance: collectively evaluated for impairment	$	192	$	2,491	$	607	$	674	$	-	$	200	$	64	$	381	$	4,609
Loans receivables:
Ending balance	$	27,591	$	287,161	$	77,020	$	20,679	$	-	$	52,540	$	5,405			$	470,396
Ending balance: individually evaluated for impairment	$	1,600	$	1,191	$	200	$	563	$	-	$	431	$	120			$	4,105
Ending balance: collectively evaluated for impairment	$	25,991	$	285,970	$	76,820	$	20,116	$	-	$	52,109	$	5,285			$	466,291
Reserve for unfunded loan commitments included in other liabilities	$	-	$	4	$	105	$	57	$	-	$	12	$	-			$	178

	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 - July 1, 2014	$	315	$	2,131	$	641	$	1,019	$	-	$	176	$	98	$	507	$	4,887
Charge-offs		(59)		-		(13)		(250)		(1)		-		(71)		-		(394)
Recoveries		-		-		-		93		1		-		-		-		94
Provisions		63		53		121		(86)		-		-		44		105		300
Ending balance - September 30, 2014	$	319	$	2,184	$	749	$	776	$	-	$	176	$	71	$	612	$	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		(159)		(8)		(31)		(511)		(1)		-		(82)		-		(792)
Recoveries		5		-		2		103		7		-		9		-		126
Provisions		188		182		157		151		(6)		20		66		172		930
Ending balance - September 30, 2014	$	319	$	2,184	$	749	$	776	$	-	$	176	$	71	$	612	$	4,887
Reserve for unfunded loan commitments included in other liabilities	$	-	$	9	$	85	$	40	$	-	$	11	$	-			$	145

	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