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Loans and Allowance for Loan Losses (Tables)
 9 Months Ended
Sep. 30, 2012
Loans & Allowance For Loan Losses [Abstract]  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

 

September 30,

December 31,

 

2012

2011

Commercial:

    

Commercial and industrial

 $     98,573

 $    96,163

Construction

          14,512

         15,959

Secured by commercial real estate

        192,930

       195,813

Secured by residential real estate

          42,963

         45,070

State and political subdivisions

          32,019

         35,127

Loans to depository institutions

            3,250

           4,515

Indirect lease financing

            9,940

         11,928

Retail:

    

1-4 family residential mortgages

          27,453

         25,518

Home equity loans and lines

          54,270

         57,579

Consumer

            2,090

           2,308

Total loans

        478,000

       489,980

Net unearned (fees) costs

               (13)

              (44)

Loans receivable

 $   477,987

 $  489,936

Financing Receivable Credit Quality Indicators [Table Text Block]

The following tables present the classes of the loan portfolio summarized by the aggregate pass rating and the classified ratings of special mention, substandard and doubtful within the Company's internal risk rating system as of September 30, 2012 and December 31, 2011:

September 30, 2012

Pass

Special mention

Substandard

Doubtful

Total

Commercial:

Commercial and industrial

 $  84,945

 $            5,189

 $      8,407

 $     32

 $  98,573

Construction

     9,316

               552

      4,644

      -  

   14,512

Secured by commercial real estate

 156,669

            7,238

     29,023

      -  

 192,930

Secured by residential real estate

   37,821

            1,381

      3,761

      -  

   42,963

State and political subdivisions

   30,016

                 -  

      2,003

      -  

   32,019

Loans to depository institutions

     3,250

                 -  

           -  

      -  

     3,250

Indirect lease financing

     9,535

                 -  

         405

      -  

     9,940

 

 $ 331,552

 $          14,360

 $    48,243

 $     32

 $ 394,187

December 31, 2011

Pass

Special mention

Substandard

Doubtful

Total

Commercial:

Commercial and industrial

 $  83,477

 $            2,313

 $    10,332

 $     41

 $  96,163

Construction

     6,608

            3,067

      6,284

      -  

   15,959

Secured by commercial real estate

 152,637

            9,323

     33,402

    451

 195,813

Secured by residential real estate

   39,657

            1,220

      4,193

      -  

   45,070

State and political subdivisions

   32,928

            2,013

         186

      -  

   35,127

Loans to depository institutions

     4,515

                 -  

           -  

      -  

     4,515

Indirect lease financing

   11,548

                 -  

         380

      -  

   11,928

 

 $ 331,370

 $          17,936

 $    54,777

 $   492

 $ 404,575

  

For retail loans, the Company evaluates credit quality based on the performance of the individual credits. The following tables present the recorded investment in the retail classes of the loan portfolio based on payment activity as of September 30, 2012 and December 31, 2011:

September 30, 2012

Performing

Non-performing

Total

Retail:

1-4 family residential mortgages

 $  27,113

 $            340

 $ 27,453

Home equity loans and lines

   53,920

             350

  54,270

Consumer

    2,090

               -  

    2,090

 

 $  83,123

 $            690

 $ 83,813

December 31, 2011

Performing

Non-performing

Total

Retail:

1-4 family residential mortgages

 $  25,003

 $            515

 $ 25,518

Home equity loans and lines

   57,211

             368

  57,579

Consumer

    2,308

               -  

    2,308

 

 $  84,522

 $            883

 $ 85,405

Past Due Financing Receivables [Table Text Block]

September 30, 2012

30-59 days past due

60-89 days past due

90 days or more past due

Total past due loans

Current

Total loans receivable

Commercial:

            

Commercial and industrial

 $     221

          -  

          -  

 $     221

 $  98,352

 $     98,573

Construction

          -  

          -  

          -  

        -  

   14,512

        14,512

Secured by commercial real estate

        694

 $   1,469

 $   1,300

   3,463

 189,467

      192,930

Secured by residential real estate

        361

      1,195

        143

   1,699

   41,264

        42,963

State and political subdivisions

          38

          10

          -  

        48

   31,971

        32,019

Loans to depository institutions

          -  

          -  

          -  

        -  

     3,250

         3,250

Indirect lease financing

          63

        119

          39

      221

     9,719

         9,940

Retail:

            

1-4 family residential mortgages

          -  

        198

          -  

      198

   27,255

        27,453

Home equity loans and lines

        227

          80

          82

      389

   53,881

        54,270

Consumer

            2

            4

          -  

         6

     2,084

         2,090

 

 $   1,606

 $   3,075

 $   1,564

 $   6,245

 $ 471,755

 $   478,000

 

December 31, 2011

30-59 days past due

60-89 days past due

90 days or more past due

Total past due loans

Current

Total loans receivable

Commercial:

            

Commercial and industrial

 $     113

          -  

          -  

 $     113

 $  96,050

 $     96,163

Construction

      1,436

          -  

          -  

   1,436

   14,523

     15,959

Secured by commercial real estate

      1,857

 $   1,699

 $   1,017

   4,573

 191,240

    195,813

Secured by residential real estate

        778

          70

        395

   1,243

   43,827

     45,070

State and political subdivisions

          50

          -  

          44

        94

   35,033

     35,127

Loans to depository institutions

          -  

          -  

          -  

        -  

     4,515

       4,515

Indirect lease financing

        353

        146

        123

      622

   11,306

     11,928

Retail:

            

1-4 family residential mortgages

        200

        166

          -  

      366

   25,152

     25,518

Home equity loans and lines

        158

          66

        190

      414

   57,165

     57,579

Consumer

          14

          -  

          -  

        14

     2,294

       2,308

 

 $   4,959

 $   2,147

 $   1,769

 $   8,875

 $ 481,105

 $   489,980

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

September 30, 2012

90 days or more past due (still accruing)

Non-accrual

Commercial:

    

Commercial and industrial

 $  -  

 $  6,367

Construction

           -  

         2,984

Secured by commercial real estate

           -  

         6,328

Secured by residential real estate

           -  

         2,102

State and political subdivisions

           -  

               9

Loans to depository institutions

           -  

              -  

Indirect lease financing

           -  

            102

Retail:

    

1-4 family residential mortgages

           -  

            340

Home equity loans and lines

           -  

            350

Consumer

           -  

              -  

 

 $    -  

 $18,582

 

December 31, 2011

90 days or more past due (still accruing)

Non-accrual

Commercial:

    

Commercial and industrial

    -  

 $  5,410

Construction

    -  

     3,474

Secured by commercial real estate

 $286

     7,547

Secured by residential real estate

    -  

     1,158

State and political subdivisions

    40

           4

Loans to depository institutions

    -  

         -  

Indirect lease financing

    54

       121

Retail:

    

1-4 family residential mortgages

    -  

       515

Home equity loans and lines

    -  

       368

Consumer

    -  

         -  

 

 $380

 $18,597

Activity in the Allowance for Loan Losses [Table Text Block]

Activity in the allowance for loan losses for the three months ended September 30, 2012 and 2011 are as follows:

Three months ended
September 30, 2012

Balance, beginning of period

Provision for (credit to) loan losses

Charge-offs

Recoveries

Balance, end of period

Commercial:

Commercial and industrial

 $3,467

 $(577)

 $    (27)

 $       1

 $2,864

Construction

          353

         (58)

               -  

               -  

          295

Secured by commercial real estate

       3,190

        419

               -  

               14

       3,623

Secured by residential real estate

          811

        272

               -  

               -  

       1,083

State and political subdivisions

          222

          39

               -  

               -  

          261

Loans to depository institutions

            20

           (5)

               -  

               -  

            15

Indirect lease financing

          268

         (36)

              (15)

                1

          218

Retail:

1-4 family residential mortgages

          300

            3

               -  

               -  

          303

Home equity loans and lines

          595

         (95)

               -  

               -  

          500

Consumer

            18

          33

              (26)

                2

            27

Unallocated

          223

        305

 N/A

 N/A

          528

 

 $9,467

 $ 300

 $       (68)

 $       18

 $9,717

Three months ended
September 30, 2011

Balance, beginning of period

Provision for (credit to) loan losses

Charge-offs

Recoveries

Balance, end of period

Commercial:

Commercial and industrial

 $2,826

 $(121)

 $       (90)

 $         9

 $2,624

Construction

          608

         (12)

            (237)

               -  

          359

Secured by commercial real estate

       3,119

        569

            (300)

                6

       3,394

Secured by residential real estate

          687

            6

               -  

               -  

          693

State and political subdivisions

          151

            7

               -  

               -  

          158

Indirect lease financing

          376

          33

               -  

               -  

          409

Retail:

1-4 family residential mortgages

          234

         (39)

               -  

               -  

          195

Home equity loans and lines

          616

          72

              (13)

               -  

          675

Consumer

            19

          15

              (10)

                2

            26

Unallocated

          214

        120

 N/A

 N/A

          334

 

 $8,850

 $ 650

 $     (650)

 $       17

 $8,867

Activity in the allowance for loan losses for the nine months ended September 30, 2012 and 2011 are as follows:

Nine months ended
September 30, 2012

Balance, beginning of year

Provision for (credit to) loan losses

Charge-offs

Recoveries

Balance, end of period

Commercial:

Commercial and industrial

 $2,959

 $   (57)

 $     (101)

 $       63

 $2,864

Construction

          556

         (261)

               -  

               -  

          295

Secured by commercial real estate

       3,124

          423

               -  

               76

       3,623

Secured by residential real estate

          746

          423

              (86)

               -  

       1,083

State and political subdivisions

          195

            66

               -  

               -  

          261

Loans to depository institutions

            20

            (5)

                      -  

                     -  

            15

Indirect lease financing

          312

           (83)

              (38)

               27

          218

Retail:

1-4 family residential mortgages

          249

            73

              (21)

                2

          303

Home equity loans and lines

          625

         (118)

              (19)

               12

          500

Consumer

            20

            46

              (46)

                7

            27

Unallocated

          435

            93

 N/A

 N/A

          528

 

 $9,241

 $   600

 $     (311)

 $      187

 $9,717

Nine months ended
September 30, 2011

Balance, beginning of period

Provision for (credit to) loan losses

Charge-offs

Recoveries

Balance, end of period

Commercial:

Commercial and industrial

 $2,136

 $   648

 $     (179)

 $       19

 $2,624

Construction

          633

          360

            (634)

               -  

          359

Secured by commercial real estate

       3,875

          450

            (941)

               10

       3,394

Secured by residential real estate

          676

            71

              (54)

               -  

          693

State and political subdivisions

          108

            50

               -  

               -  

          158

Indirect lease financing

          496

           (96)

               -  

                9

          409

Retail:

1-4 family residential mortgages

          212

           (17)

               -  

               -  

          195

Home equity loans and lines

          646

            92

              (66)

                3

          675

Consumer

            32

            (1)

              (16)

               11

            26

Unallocated

          141

          193

 N/A

 N/A

          334

 

 $8,955

 $1,750

 $  (1,890)

 $       52

 $8,867

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

Three months ended
September 30, 2012

Number of contracts

Pre-modification outstanding recorded investment

Post-modification outstanding recorded investment

Commercial:

      

Secured by residential real estate

10

 $              564

 $           564

 

Nine months ended
September 30, 2012

Number of contracts

Pre-modification outstanding recorded investment

Post-modification outstanding recorded investment

Commercial:

      

Commercial and industrial

2

 $              482

 $           448

Secured by commercial real estate

1

2380

2346

Secured by residential real estate

10

564

564

Retail:

      

1-4 family residential mortgages

1

145

139

Home equity loans and lines

1

38

37

 

15

 $           3,609

 $        3,534

Impaired Financing Receivables [Table Text Block]