Allowance for Loan Losses and Reserve for Unfunded Loan Commitments (Tables)

6 Months Ended

Jun. 30, 2013

Allowance for Loan Losses and Reserve for Unfunded Loan Commitments [Abstract]

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

The following tables detail the activity in the allowance for loan losses by portfolio segment for the three months ended June 30, 2013 and 2012:  

	For the three months ended June 30, 2013
(In thousands)	SBA held to maturity		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Balance, beginning of period	$	3,408	$	1,296	$	6,879	$	1,877	$	556	$	329	$	14,345
Charge-offs		(167)		(200)		(200)		-		-		-		(567)
Recoveries		8		154		65		2		2		-		231
Net charge-offs		(159)		(46)		(135)		2		2		-		(336)
Provision for loan losses charged to expense		(114)		238		62		75		(69)		108		300
Balance, end of period	$	3,135	$	1,488	$	6,806	$	1,954	$	489	$	437	$	14,309

	For the three months ended June 30, 2012
(In thousands)	SBA held to maturity		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Balance, beginning of period	$	3,639	$	1,285	$	8,361	$	1,770	$	527	$	757	$	16,339
Charge-offs		(213)		(100)		(540)		(494)		(25)		-		(1,372)
Recoveries		249		15		53		-		-		-		317
Net charge-offs		36		(85)		(487)		(494)		(25)		-		(1,055)
Provision for loan losses charged to expense		(474)		131		882		560		20		(119)		1,000
Balance, end of period	$	3,201	$	1,331	$	8,756	$	1,836	$	522	$	638	$	16,284

The following tables detail the activity in the allowance for loan losses by portfolio segment for the six months ended June 30, 2013 and 2012:  

	For the six ended June 30, 2013
(In thousands)	SBA held to maturity		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Balance, beginning of period	$	3,378	$	1,312	$	7,091	$	1,769	$	524	$	684	$	14,758
Charge-offs		(737)		(400)		(575)		(125)		(59)		-		(1,896)
Recoveries		145		179		166		4		3		-		497
Net charge-offs		(592)		(221)		(409)		(121)		(56)		-		(1,399)
Provision for loan losses charged to expense		349		397		124		306		21		(247)		950
Balance, end of period	$	3,135	$	1,488	$	6,806	$	1,954	$	489	$	437	$	14,309

	For the six ended June 30, 2012
(In thousands)	SBA held to maturity		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Balance, beginning of period	$	4,088	$	1,423	$	8,129	$	1,703	$	536	$	469	$	16,348
Charge-offs		(828)		(327)		(886)		(607)		(25)		-		(2,673)
Recoveries		302		43		64		-		-		-		409
Net charge-offs		(526)		(284)		(822)		(607)		(25)		-		(2,264)
Provision for loan losses charged to expense		(361)		192		1,449		740		11		169		2,200
Balance, end of period	$	3,201	$	1,331	$	8,756	$	1,836	$	522	$	638	$	16,284

Allowance For Credit Losses On Financing Receivables On Basis Of Impairment Method [Table Text Block]

	June 30, 2013
(In thousands)	SBA held to maturity		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Allowance for loan losses ending balance:
Individually evaluated for impairment	$	1,079	$	479	$	175	$	-	$	-	$	-	$	1,733
Collectively evaluated for impairment		2,056		1,009		6,631		1,954		489		437		12,576
Total	$	3,135	$	1,488	$	6,806	$	1,954	$	489	$	437	$	14,309
Loan ending balances:
Individually evaluated for impairment	$	3,262	$	5,138	$	9,701	$	-	$	-	$	-	$	18,101
Collectively evaluated for impairment		49,017		33,932		313,775		154,716		45,003		-		596,443
Total	$	52,279	$	39,070	$	323,476	$	154,716	$	45,003	$	-	$	614,544

	December 31, 2012
(In thousands)	SBA held to maturity		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Allowance for loan losses ending balance:
Individually evaluated for impairment	$	1,159	$	217	$	625	$	-	$	-	$	-	$	2,001
Collectively evaluated for impairment		2,219		1,095		6,466		1,769		524		684		12,757
Total	$	3,378	$	1,312	$	7,091	$	1,769	$	524	$	684	$	14,758
Loan ending balances:
Individually evaluated for impairment	$	3,712	$	6,852	$	12,802	$	-	$	-	$	-	$	23,366
Collectively evaluated for impairment		54,881		34,586		288,762		132,094		46,410		-		556,733
Total	$	58,593	$	41,438	$	301,564	$	132,094	$	46,410	$	-	$	580,099