Loan and Leases

3 Months Ended

Mar. 31, 2013

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)		March 31, 2013		December 31, 2012
Residential mortgage	$	25,184	$	25,835
Commercial mortgage		236,160		234,202
Commercial		98,065		94,135
Lease financing		31		67
Consumer		42,593		42,259
Total loans and leases	$	402,033	$	396,498
Less allowance for credit losses		(7,123)		(6,838)
Net loans and leases	$	394,910	$	389,660

Included in the loan portfolio are loans for which DNB has ceased the accrual of interest (i.e. non-accrual loans). Loans of approximately $15.5 million and $9.6 million as of March 31, 2013 and December 31, 2012, respectively, were on a non-accrual basis. DNB also had loans of approximately $827,000 and $869,000 that were 90 days or more delinquent, but still accruing, as of March 31, 2013 and December 31, 2012, respectively. If contractual interest income had been recorded on non-accrual loans, interest would have been increased as shown in the following table:

		Three Months Ended
		March 31,
(Dollars in thousands)		2013		2012
Interest income which would have been recorded under original terms	$	213	$	91
Interest income recorded during the period		-		-
Net impact on interest income	$	213	$	91