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Loans And Allowance For Loan And Lease Losses (Tables)
 6 Months Ended
Jun. 30, 2014
Loans and Leases Receivable Disclosure [Abstract]  
Schedule Of Components Of Loans In The Consolidated Balance Sheets
In thousands
6/30/2014
12/31/2013
Commercial
$
91,954

$
88,119

Real estate:
 
 
Commercial real estate
288,793

278,215

Construction real estate
48,585

44,368

Residential real estate
168,915

155,280

Consumer
4,203

4,336

Deferred loan fees, net
(16
)
42

Gross loans
602,434

570,360

Allowance for loan losses
(6,640
)
(7,200
)
Net loans
$
595,794

$
563,160
Schedule Of Aging Of Past Due Loans Receivable By Portfolio Segment
The following schedule is an aging of past due loans receivable by portfolio segment as of June 30, 2014 and December 31, 2013:
In thousands
30 - 59 Days Past Due
60 - 89 Days Past Due
Greater than 90 Days Past Due
Total Past Due
Current
Total Loans
Recorded Investment > 90 Days, Accruing
June 30, 2014
 
 
 
 
 
 
 
Commercial
$
0

$
46

$
201

$
247

$
91,707

$
91,954

$
0

Commercial real estate
 

 

 

 

 

 
 

Owner occupied
28

0

0

28

117,609

117,637

0

Income producing
4,097

0

1,288

5,385

140,845

146,230

0

Multifamily
0

0

0

0

24,926

24,926

0

Construction real estate
 

 

 

 

 

 
 

1 - 4 Family
0

0

479

479

17,737

18,216

0

Other
70

0

3,510

3,580

25,488

29,068

0

Farmland
0

0

0

0

1,301

1,301

0

Residential real estate
 

 

 

 

 

 
 

Equity Lines
143

0

49

192

26,416

26,608

0

1 - 4 Family
235

0

0

235

133,934

134,169

0

Junior Liens
22

0

0

22

8,116

8,138

0

Consumer
 

 

 

 

 

 
 

Credit Cards
14

14

0

28

1,287

1,315

0

Other
4

0

5

9

2,879

2,888

0

Deferred loan fees, net
0

0

0

0

(16
)
(16
)
0

Total
$
4,613

$
60

$
5,532

$
10,205

$
592,229

$
602,434

$
0


In thousands
30 - 59 Days Past Due
60 - 89 Days Past Due
Greater than 90 Days Past Due
Total Past Due
Current
Total Loans
Recorded Investment > 90 Days, Accruing
December 31, 2013
 
 
 
 
 
 
 
Commercial
$
186

$
0

$
384

$
570

$
87,549

$
88,119

$
0

Commercial real estate
 

 

 

 

 

 

 

Owner occupied
0

0

0

0

116,137

116,137

0

Income producing
0

20

0

20

137,319

137,339

0

Multifamily
0

0

0

0

24,739

24,739

0

Construction real estate
 

 

 

 

 

 

 

1 - 4 Family
5

0

0

5

17,434

17,439

0

Other
0

0

3,161

3,161

22,285

25,446

0

Farmland
0

0

0

0

1,483

1,483

0

Residential real estate
 

 

 

 

 

 

 

Equity Lines
449

0

54

503

26,731

27,234

0

1 - 4 Family
174

156

0

330

119,736

120,066

0

Junior Liens
44

0

0

44

7,936

7,980

0

Consumer
 

 

 

 

 

 

 

Credit Cards
13

0

0

13

1,316

1,329

0

Other
10

0

5

15

2,992

3,007

0

Deferred loan fees, net
0

0

0

0

42

42

0

Total
$
881

$
176

$
3,604

$
4,661

$
565,699

$
570,360

$
0
Schedule Of Loans Receivable, By Portfolio Segment, On Nonaccrual Status
The following is a schedule of loans receivable, by portfolio segment, on nonaccrual status as of June 30, 2014 and December 31, 2013:

In thousands
June 30, 2014
December 31, 2013
Commercial
$
201

$
383

Commercial real estate
 

 

Income Producing
1,288

0

Construction real estate
 

 

1 - 4 Family
479

0

Other
3,510

3,161

Residential real estate
 

 

Equity Lines
49

54

1 - 4 Family
0

62

Consumer
 

 

Other
5

5

Total
$
5,532

$
3,665
Schedule Of Impaired Loan Financing Receivables
Impaired loans as of June 30, 2014 and December 31, 2013 are set forth in the following table:

In thousands
Recorded Investment
Unpaid Principal Balance (1)
Related Allowance
Average Recorded Investment
Interest Income Recognized
June 30, 2014
 
 
 
 
 
With no related allowance:
 
 
 
 
 
Commercial
$
1,645

$
1,933

$
0

$
1,683

$
35

Commercial real estate
 

 

 

 

 

Owner occupied
5,146

5,146

0

5,183

165

Income producing
8,576

8,576

0

8,642

222

Construction real estate
 

 

 

 

 

1 - 4 Family
479

580

0

579

3

Other
4,852

8,718

0

6,098

55

Farmland
167

167

0

169

5

Residential real estate
 

 

 

 

 

Equity Lines
138

147

0

142

1

1 - 4 Family
662

718

0

724

19

Consumer
 

 

 

 

 

Other
5

10

0

5

0

Total loans with no allowance
$
21,670

$
25,995

$
0

$
23,225

$
505

 
 
 
 
 
 
Total loans with an allowance
$
0

$
0

$
0

$
0

$
0

Total:
 

 

 

 

 

Commercial
$
1,645

$
1,933

$
0

$
1,683

$
35

Commercial real estate
13,722

13,722

0

13,825

387

Construction real estate
5,498

9,465

0

6,846

63

Residential real estate
800

865

0

866

20

Consumer
5

10

0

5

0

Totals
$
21,670

$
25,995

$
0

$
23,225

$
505


In thousands
Recorded Investment
Unpaid Principal Balance (1)
Related Allowance
Average Recorded Investment
Interest Income Recognized
December 31, 2013
 
 
 
 
 
With no related allowance:
 
 
 
 
 
Commercial
$
1,570

$
1,706

$
0

$
1,433

$
50

Commercial real estate
 

 

 

 

 

Owner occupied
5,182

5,182

0

5,249

340

Income producing
4,538

4,538

0

4,577

287

Construction real estate
 

 

 

 

 

1 - 4 Family
580

580

0

489

23

Other
4,294

6,279

0

4,457

206

Farmland
171

171

0

175

10

Residential real estate
 

 

 

 

 

Equity Lines
493

500

0

499

21

1 - 4 Family
473

530

0

543

26

Consumer
 

 

 

 

 

Other
13

18

0

21

2

Total loans with no allowance
$
17,314

$
19,504

$
0

$
17,443

$
965

With an allowance recorded:
 

 

 

 

 

Construction real estate
 

 

 

 

 

Other
$
2,566

$
2,566

$
1,337

$
2,566

$
0

Residential real estate
 

 

 

 

 

1 - 4 Family
26

26

20

26

1

Total loans with an allowance
$
2,592

$
2,592

$
1,357

$
2,592

$
1

Total:
 

 

 

 

 

Commercial
$
1,570

$
1,706

$
0

$
1,433

$
50

Commercial real estate
9,720

9,720

0

9,826

627

Construction real estate
7,611

9,596

1,337

7,687

239

Residential real estate
992

1,056

20

1,068

48

Consumer
13

18

0

21

2

Totals
$
19,906

$
22,096

$
1,357

$
20,035

$
966


(1) Balances transferred to foreclosed assets are not included as unpaid principal balance.
Schedule Of Risk Category Of Loans And Leases
As of  June 30, 2014 and December 31, 2013, and based on the most recent analysis performed at those dates, the risk category of loans and leases is as follows:

Internal Risk Rating Grades
 
 
 
 
 
In thousands
1-4
5
6
7
8
June 30, 2014
 

 

 

 

 

Commercial
$
25,917

$
63,755

$
637

$
1,444

$
201

Commercial real estate
 

 

 

 

 

Owner occupied
34,447

73,411

2,890

6,889

0

Income producing
19,138

114,631

3,055

9,406

0

Multifamily
13,579

11,347

0

0

0

Construction real estate
 

 

 

 

 

1 - 4 Family
5,026

10,422

1,236

1,532

0

Other
154

21,206

566

5,707

1,435

Farmland
214

920

0

167

0

Totals
$
98,475

$
295,692

$
8,384

$
25,145

$
1,636

Total:
 

 

 

 

 
Commercial
$
25,917

$
63,755

$
637

$
1,444

$
201

Commercial real estate
67,164

199,389

5,945

16,295

0

Construction real estate
5,394

32,548

1,802

7,406

1,435

Totals
$
98,475

$
295,692

$
8,384

$
25,145

$
1,636

December 31, 2013
 
 
 
 
 
Commercial
$
22,054

$
63,329

$
765

$
1,971

$
0

Commercial real estate
 

 

 

 

 
Owner occupied
36,025

70,048

2,694

7,370

0

Income producing
14,921

110,200

3,155

9,063

0

Multifamily
13,690

11,049

0

0

0

Construction real estate
 

 

 

 

 
1 - 4 Family
3,921

10,809

1,129

1,580

0

Other
874

14,943

441

9,188

0

Farmland
220

1,092

0

171

0

Totals
$
91,705

$
281,470

$
8,184

$
29,343

$
0

Total:
 

 

 

 

 
Commercial
$
22,054

$
63,329

$
765

$
1,971

$
0

Commercial real estate
64,636

191,297

5,849

16,433

0

Construction real estate
5,015

26,844

1,570

10,939

0

Totals
$
91,705

$
281,470

$
8,184

$
29,343

$
0
Schedule Of Risk Based On Payment Activity
Risk Based on Payment Activity
Performing
Non-Performing
In thousands
6/30/2014
12/31/2013
6/30/2014
12/31/2013
Residential real estate
 
 
 
 
Equity Lines
$
26,559

$
27,180

$
49

$
54

1 - 4 Family
134,169

120,004

0

62

Junior Liens
8,138

7,980

0

0

Consumer
 

 

 

 

Credit Cards
1,315

1,329

0

0

Other
2,883

3,002

5

5

Totals
$
173,064

$
159,495

$
54

$
121

Total:
 

 

 

 

Residential real estate
$
168,866

$
155,164

$
49

$
116

Consumer
4,198

4,331

5

5

Totals
$
173,064

$
159,495

$
54

$
121
Schedule Of Historical Loss Factors
The loss factors used at June 30, 2014 and December 31, 2013 are as follows:
 
 
6/30/2014
12/31/2013
Commercial
0.257%
0.210%
Commercial real estate - Owner occupied
0.000%
0.000%
Commercial real estate - Income producing
0.000%
0.000%
Commercial real estate - Multifamily
0.003%
0.000%
Construction real estate - 1-4 Family
0.668%
0.420%
Construction real estate - Other
5.469%
2.230%
Construction real estate - Farmland
0.000%
0.000%
Residential real estate - Equity lines
0.257%
0.260%
Residential real estate - 1-4 Family
0.144%
0.360%
Residential real estate - Junior Liens
0.000%
0.000%
Consumer & credit cards
0.795%
0.590%
Loans held for sale
0.000%
0.000%
Schedule Of General Valuation Allowances For Credit Risk
 Environmental Factors
6/30/2014
3/31/2014
12/31/2013
Levels and trends in credit quality
0.175%
0.20%
0.15%
Trends in volume of loans
1.35%
1.25%
1.00%
Experience, ability, and depth of lending management and staff
0.00%
0.00%
0.00%
Local economic trends and conditions
0.20%
0.20%
0.25%
Credit concentration risk
0.05%
0.05%
0.05%
Current industry conditions/general economic conditions
0.05%
0.10%
0.10%
Commercial Real Estate Devaluation
0.20%
0.25%
0.25%
Residential Real Estate Devaluation
0.15%
0.15%
0.15%
Credit concentration risk - large relationships > $8 Million
0.30%
0.30%
0.30%
Schedule Of Changes In Allowance For Loan Losses
As a result of the Company's analysis, changes in the allowance for loan losses for the six months ended June 30, 2014 by segment are as follows:

In thousands
Beginning
 
 
 
Ending
June 30, 2014
Balance
Charge-offs
Recoveries
Provision
Balance
Commercial
$
544

$
(157
)
$
6

$
162

$
555

Commercial real estate
2,587

0

0

130

2,717

Construction real estate
2,894

(1,982
)
12

1,526

2,450

Residential real estate
1,081

(25
)
30

(333
)
753

Consumer
50

(3
)
2

16

65

Unallocated
44

0

0

56

100

Total
$
7,200

$
(2,167
)
$
50

$
1,557

$
6,640
Schedule Of Allowance For Loan Losses Individually And Collectively Evaluated For Impairment
As of June 30, 2014 and December 31, 2013, loans individually and collectively evaluated for impairment, by loan portfolio segment, and the corresponding allowance are as follows:

 
Individually Evaluated for Impairment
 
6/30/2014
12/31/2013
In thousands
Allowance
Total Loans
Allowance
Total Loans
Commercial
$
0

$
1,645

$
0

$
1,570

Commercial real estate
0

13,722

0

9,720

Construction real estate
0

5,498

1,337

7,611

Residential real estate
0

800

20

992

Consumer
0

5

0

13

Total
$
0

$
21,670

$
1,357

$
19,906


 
Collectively Evaluated for Impairment
 
6/30/2014
12/31/2013
In thousands
Allowance
Total Loans
Allowance
Total Loans
Commercial
$
555

$
90,309

$
544

$
86,549

Commercial real estate
2,717

275,071

2,587

268,495

Construction real estate
2,450

43,087

1,557

36,757

Residential real estate
753

168,115

1,061

154,288

Consumer
65

4,198

50

4,323

Unallocated
100

(16
)
44

42

Total
$
6,640

$
580,764

$
5,843

$
550,454