Allowance For Credit Losses (Tables)

9 Months Ended

Sep. 30, 2016

Allowance For Credit Losses [Abstract]

Age Analysis Of Past Due Loans Receivables

Age Analysis of Past Due Loans Receivable

September 30, 2016
														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	$	135	$	377	$	1,686	$	2,198	$	26,181	$	28,379	$	-
Commercial mortgage		-		-		2,294		2,294		285,344		287,638		-
Commercial:
Commercial term		-		-		23		23		104,732		104,755		-
Commercial construction		-		-		1,217		1,217		28,461		29,677		-
Consumer:
Home equity		-		-		344		344		52,831		53,175		-
Other		123		6		181		310		5,541		5,851		-
Total	$	258	$	383	$	5,745	$	6,386	$	503,090	$	509,475	$	-

December 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	$	502	$	552	$	2,076	$	3,130	$	25,521	$	28,651	$	457
Commercial mortgage		36		86		96		218		273,914		274,132		-
Commercial:
Commercial term		-		-		-		-		102,178		102,178		-
Commercial construction		-		581		447		1,028		19,336		20,364		-
Consumer:
Home equity		7		310		153		470		50,800		51,270		-
Other		100		-		148		248		4,915		5,163		-
Total	$	645	$	1,529	$	2,920	$	5,094	$	476,664	$	481,758	$	457

Impaired Loans By Loan Portfolio

		September 30, 2016						December 31, 2015
	Recorded		Unpaid		Related		Recorded		Unpaid		Related
	Investment		Principal		Allowance		Investment		Principal		Allowance
(Dollars in thousands)			Balance						Balance
With no related allowance recorded:
Residential mortgage	$	829	$	867	$	-	$	1,620	$	1,919	$	-
Commercial mortgage		3,061		3,433		-		1,181		1,461		-
Commercial:
Commercial term		23		25		-		-		-		-
Commercial construction		770		770		-		1,140		3,526		-
Consumer:
Home equity		595		647		-		691		716		-
Other		115		123		-		82		90		-
Total	$	5,393	$	5,865	$	-	$	4,714	$	7,712	$	-
With allowance recorded:
Residential mortgage		930		1,191		194		-		-		-
Commercial:
Commercial term		179		197		100		200		211		110
Commercial construction		447		2,833		89		-		-		-
Consumer:
Other		106		106		3		107		107		4
Total	$	1,662	$	4,327	$	386	$	307	$	318	$	114
Total:
Residential mortgage		1,759		2,058		194		1,620		1,919		-
Commercial mortgage		3,061		3,433		-		1,181		1,461		-
Commercial:
Commercial term		202		222		100		200		211		110
Commercial construction		1,217		3,603		89		1,140		3,526		-
Consumer:
Home equity		595		647		-		691		716		-
Other		221		229		3		189		197		4
Total	$	7,055	$	10,192	$	386	$	5,021	$	8,030	$	114

		Three Months Ended				Three Months Ended				Nine Months Ended				Nine Months Ended
		September 30, 2016				September 30, 2015				September 30, 2016				September 30, 2015
	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	$	880	$	-	$	1,577	$	-	$	1,254	$	-	$	1,948	$	-
Commercial mortgage		3,101		-		2,277		28		2,102		-		2,831		85
Commercial:
Commercial term		24		-		-		-		18		-		-		-
Commercial construction		924		-		125		-		944		-		763		-
Lease financing		-		-		-		-		-		-		-		-
Home equity		631		1		489		1		657		3		497		3
Other		116		-		125		-		101		-		134		-
Total	$	5,676	$	1	$	4,593	$	29	$	5,076	$	3	$	6,173	$	88
With allowance recorded:
Residential mortgage		886		-		59		-		479		-		131		-
Commercial mortgage		-		-		101		-		-		-		151		-
Commercial:
Commercial term		181		-		200		-		187		-		200		-
Commercial construction		447		-		588		-		335		-		672		-
Lease financing		-		-		-		-		-		-		-		-
Home equity		-		-		-		-		-		-		22		-
Other		106		-		20		-		107		-		10		-
Total	$	1,620	$	-	$	968	$	-	$	1,108	$	-	$	1,186	$	-
Total:
Residential mortgage		1,766		-		1,636		-		1,733		-		2,079		-
Commercial mortgage		3,101		-		2,378		28		2,102		-		2,982		85
Commercial:
Commercial term		205		-		200		-		205		-		200		-
Commercial construction		1,371		-		713		-		1,279		-		1,435		-
Lease financing		-		-		-		-		-		-		-		-
Home equity		631		1		489		1		657		3		519		3
Other		222		-		145		-		208		-		144		-
Total	$	7,296	$	1	$	5,561	$	29	$	6,184	$	3	$	7,359	$	88

Credit Quality Indicators

	September 30, 2016
			Special
(Dollars in thousands)	Pass		Mention		Substandard		Doubtful		Total
Residential mortgage	$	26,357	$	-	$	2,022	$	-	$	28,379
Commercial mortgage		272,094		4,771		10,773		-		287,638
Commercial:
Commercial term		96,873		592		7,290		-		104,755
Commercial construction		26,945		-		2,732		-		29,677
Consumer:
Home equity		52,522		-		653		-		53,175
Other		5,630		-		221		-		5,851
Total	$	480,421	$	5,363	$	23,691	$	-	$	509,475

	December 31, 2015
			Special
(Dollars in thousands)	Pass		Mention		Substandard		Doubtful		Total
Residential mortgage	$	26,762	$	-	$	1,889	$	-	$	28,651
Commercial mortgage		262,036		4,802		7,294		-		274,132
Commercial:
Commercial term		93,025		2,555		6,598		-		102,178
Commercial construction		17,521		-		2,843		-		20,364
Consumer:
Home equity		50,551		-		719		-		51,270
Other		4,974		-		189		-		5,163
Total	$	454,869	$	7,357	$	19,532	$	-	$	481,758

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, 2016	$	314	$	2,370	$	891	$	866	$	-	$	191	$	64	$	551	$	5,247
Charge-offs		-		(39)		(8)		-		-		-		-		-		(47)
Recoveries		2		-		-		-		1		-		-		-		3
Provisions		87		141		(90)		7		(1)		11		(2)		(53)		100
Ending balance - September 30, 2016	$	403	$	2,472	$	793	$	873	$	-	$	202	$	62	$	498	$	5,303

	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, 2016	$	216	$	2,375	$	989	$	569	$	-	$	195	$	64	$	527	$	4,935
Charge-offs		(206)		(39)		(32)		-		-		-		-		-		(277)
Recoveries		10		-		1		1		2		-		1		-		15
Provisions		383		136		(165)		303		(2)		7		(3)		(29)		630
Ending balance - September 30, 2016	$	403	$	2,472	$	793	$	873	$	-	$	202	$	62	$	498	$	5,303
Ending balance: individually evaluated for impairment	$	194	$	-	$	100	$	89	$	-	$	-	$	3	$	-	$	386
Ending balance: collectively evaluated for impairment	$	209	$	2,472	$	693	$	784	$	-	$	202	$	59	$	498	$	4,917
Loans receivables:
Ending balance	$	28,379	$	287,638	$	104,755	$	29,677	$	-	$	53,175	$	5,851			$	509,475
Ending balance: individually evaluated for impairment	$	1,759	$	3,061	$	202	$	1,217	$	-	$	595	$	221			$	7,055
Ending balance: collectively evaluated for impairment	$	26,620	$	284,577	$	104,553	$	28,460	$	-	$	52,580	$	5,630			$	502,420
Reserve for unfunded loan commitments included in other liabilities	$	-	$	3	$	119	$	64	$	-	$	13	$	-			$	199

	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
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:
Ending balance - December 31, 2015	$	216	$	2,375	$	989	$	569	$	-	$	195	$	64	$	527	$	4,935
Ending balance: individually evaluated for impairment	$	-	$	-	$	110	$	-	$	-	$	-	$	4	$	-	$	114
Ending balance: collectively evaluated for impairment	$	216	$	2,375	$	879	$	569	$	-	$	195	$	60	$	527	$	4,821
Loans receivables:
Ending balance	$	28,651	$	274,132	$	102,178	$	20,364	$	-	$	51,270	$	5,163			$	481,758
Ending balance: individually evaluated for impairment	$	1,620	$	1,181	$	200	$	1,140	$	-	$	691	$	189			$	5,021
Ending balance: collectively evaluated for impairment	$	27,031	$	272,951	$	101,978	$	19,224	$	-	$	50,579	$	4,974			$	476,737
Reserve for unfunded loan commitments included in other liabilities	$	-	$	2	$	115	$	58	$	-	$	13	$	-			$	188