Loan and Leases

6 Months Ended

Jun. 30, 2011

Loan and Leases

LOANS AND LEASES

NOTE 3: LOANS AND LEASES

The following table sets forth information concerning the composition of total loans and leases outstanding, as of the dates indicated.

(Dollars in thousands)	June 30 2011			Dec. 31 2010
Residential mortgage	$	28,887		$	30,929
Commercial mortgage		232,591			218,099
Commercial		108,415			97,544
Lease financing		385			898
Consumer		47,195			48,701
Total loans and leases	$	417,473		$	396,171
Less allowance for credit losses		(6,443	)		(5,884	)
Net loans and leases	$	411,030		$	390,287

Included in the loan portfolio are loans for which DNB has ceased the accrual of interest (i.e. non-accrual loans). Loans of approximately $6.9 million and $7.2 million as of June 30, 2011 and December 31, 2010, respectively, were on a non-accrual basis. DNB also had loans of approximately $23,000 and $1,000 that were 90 days or more delinquent, but still accruing, as of June 30, 2011 and December 31, 2010, respectively. If contractual interest income had been recorded on non-accrual loans, interest would have been increased as shown in the following table:

	Six Months Ended June 30
(Dollars in thousands)	2011		2010
Interest income which would have been recorded under original terms	$	165	$	217
Interest income recorded during the year		—		(8	)
Net impact on interest income	$	165	$	209