Loan and Leases

9 Months Ended

Sep. 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)	Sept. 30 2011			Dec. 31 2010
Residential mortgage	$	26,975		$	30,929
Commercial mortgage		229,367			218,099
Commercial		108,316			97,544
Lease financing		264			898
Consumer		46,452			48,701
Total loans and leases	$	411,374		$	396,171
Less allowance for credit losses		(6,371	)		(5,884	)
Net loans and leases	$	405,003		$	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 $8.0 million and $7.2 million as of September 30, 2011 and December 31, 2010, respectively, were on a non-accrual basis. DNB also had loans of approximately $1,000 and $0 that were 90 days or more delinquent, but still accruing, as of September 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:

	Nine Months Ended September 30
(Dollars in thousands)	2011			2010
Interest income which would have been recorded under original terms	$	291		$	343
Interest income recorded during the year		(38	)		(41	)
Net impact on interest income	$	253		$	302