Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2012

Allowance for Credit Losses [Abstract]

Impaired Loans Individually Evaluated For Collectability [Table Text Block]

		At and For the
		Nine Months Ended
		September 30,
(Dollars in thousands)		2012		2011
Total recorded investment	$	7,298	$	8,134
Impaired loans with a specific allowance		2,112		4,992
Impaired loans without a specific allowance		5,186		3,142
Average recorded investment		7,838		7,301
Specific allowance allocation		849		355
Total cash collected		3,005		1,527
Interest income recorded		213		59

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

										September 30, 2012
														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		Receivables		Accruing
Residential mortgage	$	963	$	-	$	2,261	$	3,224	$	22,634	$	25,858	$	60
Commercial mortgage		75		-		2,805		2,880		237,308		240,188		2,485
Commercial:
Commercial term		-		-		65		65		79,798		79,863		-
Commercial construction		-		-		2,031		2,031		12,796		14,827		-
Lease financing		-		-		33		33		29		62		-
Consumer:
Home equity		33		-		212		245		34,129		34,374		93
Other		107		90		83		280		6,925		7,205		83
Total	$	1,178	$	90	$	7,490	$	8,758	$	393,619	$	402,377	$	2,721

										December 31, 2011
														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		Receivables		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)		September 30, 2012		December 31, 2011
Non-accrual loans:
Residential mortgage	$	2,201	$	1,873
Commercial mortgage		320		2,114
Commercial		4,391		3,233
Lease financing		33		61
Consumer		163		151
Total non-accrual loans		7,108		7,432
Loans 90 days past due and still accruing		2,721		210
Total non-performing loans		9,829		7,642
Other real estate owned & other repossessed property		3,864		3,974
Total non-performing assets	$	13,693	$	11,616

Impaired Loans by Loan Portfolio [Table Text Block]

						September 30, 2012
								Average		Average		Interest		Interest
								Recorded		Recorded		Income		Income
		Recorded		Unpaid		Related		Investment		Investment		Recognized		Recognized
		Investment		Principal		Allowance		three months ended		nine months ended		three months ended		months ended
(Dollars in thousands)				Balance				September 30, 2012		September 30, 2012		September 30, 2012		September 30, 2012
With no related allowance recorded:
Residential mortgage	$	2,390	$	2,887	$	-	$	2,409	$	2,207	$	-	$	-
Commercial mortgage		240		247		-		240		171		-		1
Commercial:
Commercial term		65		399		-		76		139		-		12
Commercial construction		2,295		2,833		-		3,177		2,318		130		130
Lease financing		33		47		-		46		54		-		-
Consumer		163		164		-		161		156		-		4
With allowance recorded:
Residential mortgage		-		-		-		-		-		-		-
Commercial mortgage		81		84		43		82		590		-		-
Commercial:
Commercial term		-		-		-		-		-		-		-
Commercial construction		2,031		2,031		806		2,031		2,203		27		66
Lease financing		-		-		-		-		-		-		-
Consumer		-		-		-		-		-		-		-
Total:
Residential mortgage		2,390		2,887		-		2,409		2,207		-		-
Commercial mortgage		321		331		43		322		761		-		1
Commercial:
Commercial term		65		399		-		76		139		-		12
Commercial construction		4,326		4,864		806		5,208		4,521		157		196
Lease financing		33		47		-		46		54		-		-
Consumer		163		164		-		161		156		-		4
Total	$	7,298	$	8,692	$	849	$	8,222	$	7,838	$	157	$	213

						December 31, 2011
								Average		Average		Interest		Interest
								Recorded		Recorded		Income		Income
		Recorded		Unpaid		Related		Investment		Investment		Recognized		Recognized
		Investment		Principal		Allowance		three months ended		year ended		three months ended		year ended
(Dollars in thousands)				Balance				December 31, 2011		December 31, 2011		December 31, 2011		December 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]

		September 30, 2012
				Special
(Dollars in thousands)		Pass		Mention		Substandard		Doubtful		Total
Residential mortgage	$	23,363	$	-	$	2,495	$	-	$	25,858
Commercial mortgage		215,040		11,169		13,979		-		240,188
Commercial:
Commercial term		79,289		79		430		65		79,863
Commercial construction		6,598		-		6,198		2,031		14,827
Lease financing		62		-		-		-		62
Consumer:
Home equity		34,069		-		305		-		34,374
Other		7,201		-		4		-		7,205
Total	$	365,622	$	11,248	$	23,411	$	2,096	$	402,377

		December 31, 2011
				Special
(Dollars in thousands)		Pass		Mention		Substandard		Doubtful		Total
Residential mortgage	$	24,589	$	—	$	1,872	$	—	$	26,461
Commercial mortgage		214,086		11,346		4,834		2,031		232,297
Commercial:
Commercial term		74,961		690		586		65		76,302
Commercial construction		17,624		—		7,194		—		24,818
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]

				Lease		Residential
(Dollars in thousands)		Commercial		financing		mortgage		Consumer		Unallocated		Total
Allowance for credit losses:
Beginning balance - July 1, 2012	$	4,800	$	5	$	378	$	268	$	763	$	6,214
Charge-offs		(10)		-		(81)		-		-		(91)
Recoveries		23		26		5		5		-		59
Provisions		486		(28)		104		(12)		(175)		375
Ending balance - September 30, 2012	$	5,299	$	3	$	406	$	261	$	588	$	6,557

				Lease		Residential
(Dollars in thousands)		Commercial		financing		mortgage		Consumer		Unallocated		Total
Allowance for credit losses:
Beginning balance - January 1, 2012	$	4,945	$	10	$	383	$	260	$	566	$	6,164
Charge-offs		(876)		(1)		(99)		(9)		-		(985)
Recoveries		26		36		15		26		-		103
Provisions		1,204		(42)		107		(16)		22		1,275
Ending balance - September 30, 2012	$	5,299	$	3	$	406	$	261	$	588	$	6,557
Ending balance: individually evaluated for impairment	$	849	$	-	$	-	$	-	$	-	$	849
Ending balance: collectively evaluated for impairment	$	4,450	$	3	$	406	$	261	$	588	$	5,708
Loans receivables:
Ending balance	$	334,878	$	62	$	25,858	$	41,579			$	402,377
Ending balance: individually evaluated for impairment	$	4,712	$	33	$	2,390	$	163			$	7,298
Ending balance: collectively evaluated for impairment	$	330,166	$	29	$	23,468	$	41,416			$	395,079
Reserve for unfunded loan commitments	$	97	$	-	$	-	$	9			$	106

				Lease		Residential
(Dollars in thousands)		Commercial		financing		mortgage		Consumer		Unallocated		Total
Allowance for credit losses:
Beginning balance - July 1, 2011	$	4,685	$	19	$	386	$	482	$	871	$	6,443
Charge-offs		(408)		(9)		(72)		(32)		-		(521)
Recoveries		2		1		12		8		-		23
Provisions		(21)		15		171		(12)		273		426
Ending balance - September 30, 2011	$	4,258	$	26	$	497	$	446	$	1,144	$	6,371

				Lease		Residential
(Dollars in thousands)		Commercial		financing		mortgage		Consumer		Unallocated		Total
Allowance for credit losses:
Beginning balance - January 1, 2011	$	4,387	$	86	$	454	$	482	$	475	$	5,884
Charge-offs		(428)		(196)		(238)		(32)		-		(894)
Recoveries		7		2		74		20		-		103
Provisions		292		134		207		(24)		669		1,278
Ending balance - September 30, 2011	$	4,258	$	26	$	497	$	446	$	1,144	$	6,371
Ending balance: individually evaluated for impairment	$	254	$	-	$	101	$	-	$	-	$	355
Ending balance: collectively evaluated for impairment	$	4,004	$	26	$	396	$	446	$	1,144	$	6,016
Loans receivables:
Ending balance	$	337,683	$	264	$	26,975	$	46,452			$	411,374
Ending balance: individually evaluated for impairment	$	5,839	$	65	$	2,020	$	210			$	8,134
Ending balance: collectively evaluated for impairment	$	331,844	$	199	$	24,955	$	46,242			$	403,240
Reserve for unfunded loan commitments	$	92	$	-	$	-	$	17			$	109

				Lease		Residential
(Dollars in thousands)		Commercial		financing		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