Loan and Leases

9 Months Ended

Sep. 30, 2012

Loans and Leases [Abstract]

LOANS AND LEASES

NOTE 4: 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)		September 30, 2012		December 31, 2011
Residential mortgage	$	25,858	$	26,461
Commercial mortgage		240,188		232,297
Commercial		94,690		101,120
Lease financing		62		191
Consumer		41,579		43,615
Total loans and leases	$	402,377	$	403,684
Less allowance for credit losses		(6,557)		(6,164)
Net loans and leases	$	395,820	$	397,520

Included in the loan portfolio are loans for which DNB has ceased the accrual of interest (i.e. non-accrual loans). Loans of approximately $7.1 million and  $7.4 million as of September 30, 2012 and December 31, 2011, respectively, were on a non-accrual basis. DNB also had loans of approximately $2.7 million and $210,000 that were 90 days or more delinquent, but still accruing, as of September 30, 2012 and December 31, 2011, 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)		2012		2011
Interest income which would have been recorded under original terms	$	255	$	291
Interest income recorded during the period		(3)		(38)
Net impact on interest income	$	252	$	253