Allowance for Loan Losses & Unfunded Loan Commitments (Tables)

9 Months Ended

Sep. 30, 2012

Allowance for Loan Losses & Unfunded Loan Commitments [Abstract]

Schedule of Credit Losses for Financing Receivables, Current [Table Text Block]

	For the three months ended September 30, 2012
(In thousands)	SBA		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	3,201	$	1,331	$	8,756	$	1,836	$	522	$	638	$	16,284
Charge-offs		(254)		(481)		(1,428)		(65)		(31)		-		(2,259)
Recoveries		195		15		58		-		1		-		269
Net charge-offs		(59)		(466)		(1,370)		(65)		(30)		-		(1,990)
Provision for loan losses charged to expense		(37)		342		527		66		14		88		1,000
Ending balance	$	3,105	$	1,207	$	7,913	$	1,837	$	506	$	726	$	15,294

	For the three months ended September 30, 2011
(In thousands)	SBA		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	4,297	$	1,410	$	7,669	$	1,762	$	569	$	311	$	16,018
Charge-offs		(310)		(325)		(450)		-		-		-		(1,085)
Recoveries		111		-		3		-		-		-		114
Net charge-offs		(199)		(325)		(447)		-		-		-		(971)
Provision for loan losses charged to expense		223		533		346		4		(20)		314		1,400
Ending balance	$	4,321	$	1,618	$	7,568	$	1,766	$	549	$	625	$	16,447

The following tables detail the activity in the allowance for loan losses by portfolio segment for the nine months ended September 30, 2012 and 2011:

	For the nine months ended September 30, 2012
(In thousands)	SBA		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	4,088	$	1,423	$	8,129	$	1,703	$	536	$	469	$	16,348
Charge-offs		(1,081)		(808)		(2,314)		(672)		(56)		-		(4,931)
Recoveries		496		58		122		-		1		-		677
Net charge-offs		(585)		(750)		(2,192)		(672)		(55)		-		(4,254)
Provision for loan losses charged to expense		(398)		534		1,976		806		25		257		3,200
Ending balance	$	3,105	$	1,207	$	7,913	$	1,837	$	506	$	726	$	15,294

	For the nine months ended September 30, 2011
(In thousands)	SBA		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	4,198	$	1,551	$	6,011	$	1,679	$	586	$	339	$	14,364
Charge-offs		(1,613)		(750)		(1,519)		(142)		(131)		-		(4,155)
Recoveries		185		82		315		4		2		-		588
Net charge-offs		(1,428)		(668)		(1,204)		(138)		(129)		-		(3,567)
Provision for loan losses charged to expense		1,551		735		2,761		225		92		286		5,650
Ending balance	$	4,321	$	1,618	$	7,568	$	1,766	$	549	$	625	$	16,447

Allowance for Credit Losses on Financing Receivables [Table Text Block]

	September 30, 2012
(In thousands)	SBA		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Allowance for loan losses ending balance:
Individually evaluated for impairment	$	850	$	-	$	1,532	$	-	$	-	$	-	$	2,382
Collectively evaluated for impairment		2,255		1,207		6,381		1,837		506		726		12,912
Total	$	3,105	$	1,207	$	7,913	$	1,837	$	506	$	726	$	15,294
Loan ending balances:
Individually evaluated for impairment	$	3,534	$	5,483	$	19,054	$	-	$	-	$	-	$	28,071
Collectively evaluated for impairment		63,473		36,288		287,515		137,192		44,371		-		568,839
Total	$	67,007	$	41,771	$	306,569	$	137,192	$	44,371	$	-	$	596,910

	December 31, 2011
(In thousands)	SBA		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Allowance for loan losses ending balance:
Individually evaluated for impairment	$	1,694	$	1	$	2,754	$	-	$	-	$	-	$	4,449
Collectively evaluated for impairment		2,394		1,422		5,375		1,703		536		469		11,899
Total	$	4,088	$	1,423	$	8,129	$	1,703	$	536	$	469	$	16,348
Loan ending balances:
Individually evaluated for impairment	$	6,316	$	6,458	$	20,186	$	-	$	-	$	-	$	32,960
Collectively evaluated for impairment		65,527		48,650		262,918		134,090		48,447		-		559,632
Total	$	71,843	$	55,108	$	283,104	$	134,090	$	48,447	$	-	$	592,592