Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2012

Allowance for Credit Losses [Abstract]

Changes in Allowance for Credit Losses [Table Text Block]

	Six Months Ended     June 30
(Dollars in thousands)	2012	2011
Beginning balance	$6,164	$5,884
Provision	900	852
Loans charged off	(893)	(186)
Leases charged off	(1)	(187)
Recoveries	44	80
Net charge-offs	(850)	(293)
Ending balance	$6,214	$6,443
Reserve for unfunded loan commitments	$99	$113

Impaired Loans Individually Evaluated For Collectability [Table Text Block]

	Six Months Ended    June 30
(Dollars in thousands)	2012	2011
Total recorded investment	$9,146	$6,976
Impaired loans with a specific allowance	2,114	3,971
Impaired loans without a specific allowance	7,032	3,005
Average recorded investment	8,018	7,073
Specific allowance allocation	851	578
Total cash collected	249	823
Interest income recorded	56	6

Age Analysis of Past Due Loans Receivables [Table Text Block]

					June 30, 2012
							Loans Receivable
(Dollars in thousands)	30-59 Days Past Due	60-89 Days Past Due	Greater than 90 Days	Total Past Due	Current	Total Loans Receivables	> 90 Days and Accruing
Residential mortgage	$516	$61	$2,286	$2,863	$23,188	$26,051	$—
Commercial mortgage	2,489	—	322	2,811	240,572	243,383	—
Commercial:
Commercial term	—	—	86	86	78,611	78,697	—
Commercial construction	—	—	3,796	3,796	12,423	16,219	—
Lease financing	—	2	60	62	39	101	—
Consumer:
Home equity	10	94	119	223	35,166	35,389	—
Other	—	21	—	21	7,344	7,365	—
Total	$3,015	$178	$6,669	$9,862	$397,343	$407,205	$—
					December 31, 2011
							Loans Receivable
(Dollars in thousands)	30-59 Days Past Due	60-89 Days Past Due	Greater than 90 Days	Total Past Due	Current	Total Loans Receivables	> 90 Days and Accruing
Residential mortgage	$692	$—	$1,873	$2,565	$23,896	$26,461	$—
Commercial mortgage	257	—	2,324	2,581	229,716	232,297	210
Commercial:
Commercial term	—	54	200	254	76,048	76,302	—
Commercial construction	—	—	312	312	24,506	24,818	—
Lease financing	—	—	61	61	130	191	—
Consumer:
Home equity	175	—	60	235	35,807	36,042	—
Other	15	—	21	36	7,537	7,573	—
Total	$1,139	$54	$4,851	$6,044	$397,640	$403,684	$210

Non-Performing Assets [Table Text Block]

(Dollars in thousands)	June 30, 2012		Dec. 31, 2011
Non-accrual loans:
Residential mortgage	$2,286		$1,873
Commercial mortgage		322	2,114
Commercial		6,177	3,233
Lease financing		60	61
Consumer		159	151
Total non-accrual loans		9,004	7,432
Loans 90 days past due and still accruing		—	210
Troubled debt restructurings		—	—
Total non-performing loans		9,004	7,642
Other real estate owned & other repossessed property		3,776	3,974
Total non-performing assets		$12,780	$11,616

Impaired Loans by Loan Portfolio [Table Text Block]

				June 30, 2012
(Dollars in thousands)	Recorded Investment	Unpaid Principal Balance	Related Allowance		Average Recorded Investment 3 months ended June 30, 2012	Average Recorded Investment 6 months ended June 30, 2012	Interest Income Recognized 3 months ended June 30, 2012	Interest Income Recognized 6 months ended June 30, 2012
With no related allowance recorded:
Residential mortgage	$2,428	$2,844	$—		$2,212	$2,146	$—	$—
Commercial mortgage	239	245	—		223	149	1	1
Commercial:
Commercial term	87	442	—		144	163	12	12
Commercial construction	4,059	5,342	—		3,333	2,326	—	—
Lease financing	60	74	—		60	60	—	—
Consumer	159	160	—		154	153	4	4
With allowance recorded:
Residential mortgage	—	—	—		—	—	—	—
Commercial mortgage	83	85	45		83	760	—	—
Commercial:
Commercial term	—	—	—		—	—	—	—
Commercial construction	2,031	2,031	806		2,031	2,261	39	39
Lease financing	—	—	—		—	—	—	—
Consumer	—	—	—		—	—	—	—
Total:
Residential mortgage	2,428	2,844	—		2,212	2,146	—	—
Commercial mortgage	322	330	45		306	909	1	1
Commercial:
Commercial term	87	442	—		144	163	12	12
Commercial construction	6,090	7,373	806		5,364	4,587	39	39
Lease financing	60	74	—		60	60	—	—
Consumer	159	160	—		154	153	4	4
Total	$9,146	$11,223	$851		8,240	$8,018	$56	$56

				December 31, 2011
(Dollars in thousands)	Recorded Investment	Unpaid Principal Balance	Related Allowance		Average Recorded Investment 3 months ended Dec 31, 2011	Average Recorded Investment year ended Dec 31. 2011	Interest Income Recognized 3 months ended Dec 31, 2011	Interest Income Recognized year ended Dec 31, 2011
With no related allowance recorded:
Residential mortgage	$2,014	$2,413	$—		$1,262	$1,095	$—	$—
Commercial mortgage	—	—	—		1,019	821	—	58
Commercial:
Commercial term	202	566	—		217	206	—	1
Commercial construction	312	634	—		156	339	—	—
Lease financing	61	74	—		63	123	—	—
Consumer	151	152	—		107	79	—	—
With allowance recorded:
Residential mortgage	—	—	—		755	959	—	—
Commercial mortgage	2,114	2,116	826		1,057	444	—	—
Commercial:
Commercial term	—	—	—		192	450	—	—
Commercial construction	2,720	2,833	359		2,952	2,813	—	—
Lease financing	—	—	—		—	27	—	—
Consumer	—	—	—		—	—	—	—
Total:
Residential mortgage	2,014	2,413	—		2,017	2,054	—	—
Commercial mortgage	2,114	2,116	826		2,076	1,265	—	58
Commercial:
Commercial term	202	566	—		409	656	—	1
Commercial construction	3,032	3,467	359		3,108	3,152	—	—
Lease financing	61	74	—		63	150	—	—
Consumer	151	152	—		107	79	—	—
Total	$7,574	$8,788	$1,185		$7,780	$7,356	$—	$59

Credit Quality Indicators [Table Text Block]

	June 30, 2012
(Dollars in thousands)	Pass	Special Mention	Substandard	Doubtful	Total
Residential mortgage	$24,138	$—	$1,913	$—	$26,051
Commercial mortgage	223,625	14,946	4,812	—	243,383
Commercial:
Commercial term	77,600	573	459	65	78,697
Commercial construction	6,225	—	7,963	2,031	16,219
Lease financing	101	—	—	—	101
Consumer:
Home equity	35,081	—	308	—	35,389
Other	7,365	—	—	—	7,365
Total	$374,135	$15,519	$15,455	$2,096	$407,205

		December 31, 2011
(Dollars in thousands)	Pass		Special Mention	Substandard	Doubtful	Total
Residential mortgage	$24,589		$—	$1,872	$—	$26,461
Commercial mortgage	214,086		11,346	4,834	—	230,266
Commercial:
Commercial term	74,961		690	586	65	76,302
Commercial construction	17,624		—	7,194	2,031	26,849
Lease financing	191		—	—	—	191
Consumer:
Home equity	35,976		—	66	—	36,042
Other	7,573		—	—	—	7,573
Total	$375,000		$12,036	$14,552	$2,096	$403,684

Allowance for Credit Losses and Recorded Investments in Loans Receivables [Table Text Block]

(Dollars in thousands)	Commercial	Lease financing	Residential mortgage	Consumer	Unallocated	Total
Allowance for credit losses:
Beginning balance - April 1, 2012	$4,967	$7	$376	$273	$519	$6,142
Charge-offs	(429)	(1)	—	(1)	—	(431)
Recoveries	—	10	5	13	—	28
Provisions	262	(11)	(3)	(17)	244	475
Ending balance - June 30, 2012	$4,800	$5	$378	$268	$763	$6,214

(Dollars in thousands)	Commercial	Lease financing	Residential mortgage	Consumer	Unallocated	Total
Allowance for credit losses:
Beginning balance - January 1, 2012	$4,945	$10	$383	$260	$566	$6,164
Charge-offs	(866)	(1)	(18)	(9)	—	(894)
Recoveries	3	10	10	21	—	44
Provisions	718	(14)	3	(4)	197	900
Ending balance - June 30, 2012	$4,800	$5	$378	$268	$763	$6,214
Ending balance: individually evaluated for impairment	$851	$—	$—	$—	$—	$851
Ending balance: collectively evaluated for impairment	$3,949	$5	$378	$268	$763	$5,363
Loans receivables:
Ending balance	$338,299	$101	$26,051	$42,754		$407,205
Ending balance: individually evaluated for impairment	$6,499	$60	$2,428	$159		$9,146
Ending balance: collectively evaluated for impairment	$331,800	$41	$23,623	$42,595		$398,059
Reserve for unfunded loan commitments	$90	$—	$—	$9		$99

(Dollars in thousands)	Commercial	Lease financing	Residential mortgage	Consumer	Unallocated	Total
Allowance for credit losses:
Beginning balance - April 1, 2011	$4,472	$121	$521	$486	$707	$6,307
Charge-offs	(6)	(187)	(126)	—	—	(319)
Recoveries	1	—	16	12	—	29
Provisions	218	85	(25)	(16)	164	426
Ending balance - June 30, 2011	$4,685	$19	$386	$482	$871	$6,443

(Dollars in thousands)	Commercial	Lease financing	Residential mortgage	Consumer	Unallocated	Total
Allowance for credit losses:
Beginning balance - January 1, 2011	$4,387	$86	$454	$482	$475	$5,884
Charge-offs	(20)	(187)	(166)	—	—	(373)
Recoveries	5	1	62	12	—	80
Provisions	313	119	36	(12)	396	852
Ending balance - June 30, 2011	$4,685	$19	$386	$482	$871	$6,443
Ending balance: individually evaluated for impairment	$578	$—	$—	$—	$—	$578
Ending balance: collectively evaluated for impairment	$4,107	$19	$386	$482	$871	$5,865
Loans receivables:
Ending balance	$341,006	$385	$28,887	$47,195		$417,473
Ending balance: individually evaluated for impairment	$4,809	$76	$2,031	$60		$6,976
Ending balance: collectively evaluated for impairment	$336,197	$309	$26,856	$47,135		$410,497
Reserve for unfunded loan commitments	$95	$—	$—	$18		$113

(Dollars in thousands)	Commercial	Lease financing	Residential mortgage	Consumer	Unallocated	Total
Allowance for credit losses:
Beginning balance - January 1, 2011	$4,387	$86	$454	$482	$475	$5,884
Charge-offs	(768)	(200)	(280)	(64)	—	(1,312)
Recoveries	9	3	79	21	—	112
Provisions	1,317	121	130	(179)	91	1,480
Ending balance - December 31, 2011	$4,945	$10	$383	$260	$566	$6,164
Ending balance: individually evaluated for impairment	$1,185	$—	$—	$—	$—	$1,185
Ending balance: collectively evaluated for impairment	$3,760	$10	$383	$260	$566	$4,979
Loans receivables:
Ending balance	$333,417	$191	$26,461	$43,615		$403,684
Ending balance: individually evaluated for impairment	$5,348	$61	$2,014	$151		$7,574
Ending balance: collectively evaluated for impairment	$328,069	$130	$24,447	$43,464		$396,110
Reserve for unfunded loan commitments	$90	$—	$—	$9		$99