Loans Receivable and Related Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2013

Loans Notes Trade and Other Receivables Disclosure [Abstract]

Schedule Of Classification Of Loans Receivable [Table Text Block]

The Corporation’s loans receivable as of the respective dates are summarized as follows:

(Dollar amounts in thousands)	June 30,		December 31,
	2013		2012
Mortgage loans on real estate:
Residential first mortgages	$	93,338	$	97,246
Home equity loans and lines of credit		86,774		85,615
Commercial real estate		97,168		98,823
		277,280		281,684
Other loans:
Commercial business		51,337		45,581
Consumer		10,344		11,886
		61,681		57,467
Total loans, gross		338,961		339,151
Less allowance for loan losses		4,670		5,350
Total loans, net	$	334,291	$	333,801

Schedule Of Impaired Loans Receivable, Additional Information [Table Text Block]

The following table presents impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary as of June 30, 2013:

(Dollar amounts in thousands)
	Impaired Loans with Specific Allowance
							For the three months
	As of June 30, 2013						ended June 30, 2013
											Cash Basis
	Unpaid						Average		Interest Income		Interest
	Principal		Recorded		Related		Recorded		Recognized		Recognized
	Balance		Investment		Allowance		Investment		in Period		in Period
Residential first mortgages	$	81	$	81	$	20	$	40	$	2	$	2
Home equity and lines of credit		-		-		-		-		-		-
Commercial real estate		3,665		2,724		214		3,364		5		5
Commercial business		-		-		-		-		-		-
Consumer		-		-		-		-		-		-
Total	$	3,746	$	2,805	$	234	$	3,404	$	7	$	7

	For the six months
	ended June 30, 2013
					Cash Basis
	Average		Interest Income		Interest
	Recorded		Recognized		Recognized
	Investment		in Period		in Period
Residential first mortgages	$	27	$	2	$	2
Home equity and lines of credit		-		-		-
Commercial real estate		3,599		9		9
Commercial business		-		-		-
Consumer		-		-		-
Total	$	3,626	$	11	$	11

	Impaired Loans with No Specific Allowance
					For the three months
	As of June 30, 2013				ended June 30, 2013
									Cash Basis
	Unpaid				Average		Interest Income		Interest
	Principal		Recorded		Recorded		Recognized		Recognized
	Balance		Investment		Investment		in Period		in Period
Residential first mortgages	$	-	$	-	$	-	$	-	$	-
Home equity and lines of credit		-		-		-		-		-
Commercial real estate		1,061		662		563		2		2
Commercial business		356		356		360		-		-
Consumer		1,348		1,348		1,469		-		-
Total	$	2,765	$	2,366	$	2,392	$	2	$	2

	For the six months
	ended June 30, 2013
					Cash Basis
	Average		Interest Income		Interest
	Recorded		Recognized		Recognized
	Investment		in Period		in Period
Residential first mortgages	$	-	$	-	$	-
Home equity and lines of credit		-		-		-
Commercial real estate		544		3		3
Commercial business		363		-		-
Consumer		1,529		-		-
Total	$	2,436	$	3	$	3

The following table presents impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary as of December 31, 2012:

(Dollar amounts in thousands)
	Impaired Loans with Specific Allowance
							For the year ended
	As of December 31, 2012						December 31, 2012
											Cash Basis
	Unpaid						Average		Interest Income		Interest
	Principal		Recorded		Related		Recorded		Recognized		Recognized
	Balance		Investment		Allowance		Investment		in Period		in Period
Residential first mortgages	$	-	$	-	$	-	$	-	$	-	$	-
Home equity and lines of credit		-		-		-		-		-		-
Commercial real estate		4,242		4,068		1,448		2,075		186		16
Commercial business		-		-		-		-		-		-
Consumer		-		-		-		-		-		-
Total	$	4,242	$	4,068	$	1,448	$	2,075	$	186	$	16

	Impaired Loans with No Specific Allowance
					For the year ended
	As of December 31, 2012				December 31, 2012
									Cash Basis
	Unpaid				Average		Interest Income		Interest
	Principal		Recorded		Recorded		Recognized		Recognized
	Balance		Investment		Investment		in Period		in Period
Residential first mortgages	$	-	$	-	$	-	$	-	$	-
Home equity and lines of credit		-		-		-		-		-
Commercial real estate		730		505		690		12		12
Commercial business		394		369		368		5		5
Consumer		1,650		1,650		1,774		-		-
Total	$	2,774	$	2,524	$	2,832	$	17	$	17

Financing Receivable Credit Quality Indicators [Table Text Block]

The following table presents the classes of the loan portfolio summarized by the aggregate pass and the criticized categories of special mention, substandard and doubtful within the Corporation’s internal risk rating system as of June 30, 2013 and December 31, 2012:

(Dollar amounts in thousands)
					Special
	Not Rated		Pass		Mention		Substandard		Doubtful		Total
June 30, 2013:
Residential first mortgages	$	93,068	$	-	$	-	$	270	$	-	$	93,338
Home equity and lines of credit		86,570		-		-		204		-		86,774
Commercial real estate		-		89,049		508		7,611		-		97,168
Commercial business		-		48,076		723		2,538		-		51,337
Consumer		8,996		-		-		1,348		-		10,344
Total	$	188,634	$	137,125	$	1,231	$	11,971	$	-	$	338,961
December 31, 2012:
Residential first mortgages	$	96,713	$	-	$	-	$	533	$	-	$	97,246
Home equity and lines of credit		85,443		-		-		172		-		85,615
Commercial real estate		-		88,944		1,658		6,870		1,351		98,823
Commercial business		-		42,417		2,157		1,007		-		45,581
Consumer		10,236		-		-		1,650		-		11,886
Total	$	192,392	$	131,361	$	3,815	$	10,232	$	1,351	$	339,151

Past Due Financing Receivables [Table Text Block]

The following table presents the classes of the loan portfolio summarized by the aging categories of performing loans and nonperforming loans as of June 30, 2013 and December 31, 2012:

(Dollar amounts in thousands)
	Performing						Nonperforming
	Accruing		Accruing		Accruing		Accruing
	Loans Not		30-59 Days		60-89 Days		90 Days +				Total
	Past Due		Past Due		Past Due		Past Due		Nonaccrual		Loans
June 30, 2013:
Residential first mortgages	$	90,251	$	2,530	$	197	$	41	$	319	$	93,338
Home equity and lines of credit		85,968		530		73		61		142		86,774
Commercial real estate		93,974		132		-		-		3,062		97,168
Commercial business		50,618		363		-		-		356		51,337
Consumer		8,990		4		2		-		1,348		10,344
Total loans	$	329,801	$	3,559	$	272	$	102	$	5,227	$	338,961
December 31, 2012:
Residential first mortgages	$	95,001	$	1,272	$	440	$	-	$	533	$	97,246
Home equity and lines of credit		84,592		669		157		-		197		85,615
Commercial real estate		94,485		50		49		21		4,218		98,823
Commercial business		44,915		297		-		-		369		45,581
Consumer		10,172		41		23		-		1,650		11,886
Total loans	$	329,165	$	2,329	$	669	$	21	$	6,967	$	339,151

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

The following table presents the Corporation’s nonaccrual loans by aging category as of June 30, 2013 and December 31, 2012:

(Dollar amounts in thousands)
	Not		30-59 Days		60-89 Days		90 Days +		Total
	Past Due		Past Due		Past Due		Past Due		Loans
June 30, 2013:
Residential first mortgages	$	89	$	-	$	-	$	230	$	319
Home equity and lines of credit		-		-		-		142		142
Commercial real estate		440		2,283		-		339		3,062
Commercial business		70		-		-		286		356
Consumer		1,348		-		-		-		1,348
Total loans	$	1,947	$	2,283	$	-	$	997	$	5,227
December 31, 2012:
Residential first mortgages	$	-	$	-	$	-	$	533	$	533
Home equity and lines of credit		-		25		-		172		197
Commercial real estate		469		3,386		10		353		4,218
Commercial business		78		-		-		291		369
Consumer		1,650		-		-		-		1,650
Total loans	$	2,197	$	3,411	$	10	$	1,349	$	6,967

Allowance For Credit Losses On Loans Receivables, Additional Information [Table Text Block]

The following table details activity in the ALL and the recorded investment by portfolio segment based on impairment method:

(Dollar amounts in thousands)
			Home Equity
	Residential		& Lines		Commercial		Commercial
	Mortgages		of Credit		Real Estate		Business		Consumer		Total
Three months ended June 30, 2013:
Allowance for loan losses:
Beginning Balance	$	807	$	727	$	3,189	$	702	$	63	$	5,488
Charge-offs		(12)		-		(941)		-		(25)		(978)
Recoveries		-		-		2		-		5		7
Provision		(23)		(106)		297		(25)		10		153
Ending Balance	$	772	$	621	$	2,547	$	677	$	53	$	4,670
Six months ended June 30, 2013:
Allowance for loan losses:
Beginning Balance	$	828	$	730	$	3,090	$	636	$	66	$	5,350
Charge-offs		(17)		-		(941)		-		(56)		(1,014)
Recoveries		1		-		4		-		34		39
Provision		(40)		(109)		394		41		9		295
Ending Balance	$	772	$	621	$	2,547	$	677	$	53	$	4,670
At June 30, 2013:
Ending ALL balance attributable to loans:
Individually evaluated for impairment		20		-		214		-		-		234
Collectively evaluated for impairment		752		621		2,333		677		53		4,436
Total loans:
Individually evaluated for impairment		81		-		3,386		356		1,348		5,171
Collectively evaluated for impairment		93,257		86,774		93,782		50,981		8,996		333,790
At December 31, 2012:
Ending ALL balance attributable to loans:
Individually evaluated for impairment		-		-		1,448		-		-		1,448
Collectively evaluated for impairment		828		730		1,642		636		66		3,902
Total loans:
Individually evaluated for impairment		-		-		4,573		369		1,650		6,592
Collectively evaluated for impairment		97,246		85,615		94,250		45,212		10,236		332,559
Three months ended June 30, 2012:
Allowance for loan losses:
Beginning Balance	$	856	$	413	$	1,723	$	586	$	64	$	3,642
Charge-offs		(15)		(4)		(36)		(10)		(11)		(76)
Recoveries		7		20		2		-		5		34
Provision		4		39		146		(80)		6		115
Ending Balance	$	852	$	468	$	1,835	$	496	$	64	$	3,715
Six months ended June 30, 2012:
Allowance for loan losses:
Beginning Balance	$	832	$	320	$	1,737	$	590	$	57	$	3,536
Charge-offs		(65)		(40)		(36)		(10)		(37)		(188)
Recoveries		83		27		4		15		10		139
Provision		2		161		130		(99)		34		228
Ending Balance	$	852	$	468	$	1,835	$	496	$	64	$	3,715