Loans and Leases (Tables)

6 Months Ended

Jun. 30, 2014

Loans and Leases [Abstract]

Major classifications of loans held for investment

	June 30,		December 31,
(In thousands)	2014		2013
Commercial real estate	$	154,510	$	148,293
Construction and land development		41,180		45,261
Commercial and industrial		71,759		79,589
Multi-family		13,336		11,737
Residential real estate		40,223		25,535
Leases		45,925		42,524
Tax certificates		9,631		12,716
Consumer		1,227		826
Total LHFI, net of unearned income	$	377,791		366,481

Risk ratings for loan portfolio segment

As of June 30, 2014
(In thousands)	Pass		Pass-Watch		Special Mention		Substandard		Non-accrual		Total
Commercial real estate	$	110,089	$	32,113	$	8,418	$	2,555	$	1,335	$	154,510
Construction and land development		13,813		21,025		4,877		563		902		41,180
Commercial & industrial		56,240		8,405		567		3,662		2,885		71,759
Multi-family		12,478		331		527		—		—		13,336
Residential real estate		39,219		—		—		—		1,004		40,223
Leases		45,144		146		237		—		398		45,925
Tax certificates		8,491		—		—		—		1,140		9,631
Consumer		1,101		126		—		—		—		1,227
Total LHFI, net of unearned income	$	286,575	$	62,146	$	14,626	$	6,780	$	7,664	$	377,791

As of December 31, 2013
(In thousands)	Pass		Pass-Watch		Special Mention		Substandard		Non-accrual		Total
Commercial real estate	$	99,525	$	32,267	$	11,572	$	2,604	$	2,325	$	148,293
Construction and land development		14,677		16,270		11,095		569		2,650		45,261
Commercial & industrial		50,478		10,508		5,735		9,239		3,629		79,589
Multi-family		10,792		410		535		—		—		11,737
Residential real estate		24,903		—		—		—		632		25,535
Leases		41,325		485		247		—		467		42,524
Tax certificates		12,262		—		—		—		454		12,716
Consumer		750		76		—		—		—		826
Total LHFI, net of unearned income	$	254,712	$	60,016	$	29,184	$	12,412	$	10,157	$	366,481

Aging analysis of past due payments for loan portfolio segment

As of June 30, 2014	30-59 Days		60-89 Days		Accruing
(In thousands)	Past Due		Past Due		90+ Days		Non-accrual		Current		Total
Commercial real estate	$	2,563	$	2,440	$	—	$	1,335	$	148,172	$	154,510
Construction and land development		563		—		—		902		39,715		41,180
Commercial & industrial		56		239		—		2,885		68,579		71,759
Multi-family		—		—		—		—		13,336		13,336
Residential real estate		107		117		—		1,004		38,995		40,223
Leases		146		238		—		398		45,143		45,925
Tax certificates		—		—		—		1,140		8,491		9,631
Consumer		—		—		—		—		1,227		1,227
Total LHFI, net of unearned income	$	3,435	$	3,034	$	—	$	7,664	$	363,658	$	377,791

As of December 31, 2013	30-59 Days		60-89 Days		Accruing
(In thousands)	Past Due		Past Due		90+ Days		Non-accrual		Current		Total
Commercial real estate	$	996	$	—	$	—	$	2,325	$	144,972	$	148,293
Construction and land development		—		—		—		2,650		42,611		45,261
Commercial & industrial		115		49		—		3,629		75,796		79,589
Multi-family		—		—		—		—		11,737		11,737
Residential real estate		458		262		—		632		24,183		25,535
Leases		485		247		—		467		41,325		42,524
Tax certificates		—		—		—		454		12,262		12,716
Consumer		—		—		—		—		826		826
Total LHFI, net of unearned income	$	2,054	$	558	$	—	$	10,157	$	353,712	$	366,481

Composition of the non-accrual loans

	As of June 30, 2014				As of December 31, 2013
	Loan		Specific		Loan		Specific
(In thousands)	balance		reserves		balance		reserves
Non-accrual loans held for investment
Commercial real estate	$	1,335	$	—	$	2,325	$	331
Construction and land development		902		—		2,650		—
Commercial & industrial		2,885		—		3,629		452
Residential real estate		1,004		30		632		19
Leases		398		71		467		60
Tax certificates		1,140		—		454		24
Total non-accrual LHFI	$	7,664	$	101	$	10,157	$	886
Non-accrual loans held for sale
Construction and land development	$	1,396	$	—	$	—	$	—
Total non-accrual LHFS	$	1,396	$	—	$	—	$	—
Total non-accrual loans	$	9,060	$	101	$	10,157	$	886

Information pertaining to impaired Loans

	June 30,		December 31,
(In thousands)	2014		2013
Impaired LHFI with a valuation allowance	$	1,083	$	3,835
Impaired LHFI without a valuation allowance		13,828		14,671
Impaired LHFS		1,396		—
Total impaired loans and leases	$	16,307	$	18,506
Valuation allowance related to impaired LHFI	$	101	$	886

Troubled debt restructurings that are on an accrual status and a non-accrual status

	As of June 30, 2014
				Non-
	Number of	Accrual		Accrual
(In thousands)	loans	Status		Status		Total TDRs
Commercial real estate	2	$	2,913	$	—	$	2,913
Construction and land development	3		941		256		1,197
Commercial & industrial	5		3,810		1,620		5,430
Residential real estate	1		—		109		109
Total	11	$	7,664	$	1,985	$	9,649

	As of December 31, 2013
				Non-
	Number of	Accrual		Accrual
(In thousands)	loans	Status		Status		Total TDRs
Commercial real estate	3	$	3,847	$	—	$	3,847
Construction and land development	4		1,257		479		1,736
Commercial & industrial	3		4,420		1,960		6,380
Residential real estate	2		—		121		121
Total	12	$	9,524	$	2,560	$	12,084

Newly restructured loans

	Modifications by type for the six months ended June 30, 2014
												Pre-		Post-
												Modification		Modification
												Outstanding		Outstanding
	Number of							Combination				Recorded		Recorded
(Dollars in thousands)	loans	Rate		Term		Payment		of types		Total		Investment		Investment
Commercial & industrial	2	$	—	$	45	$	—	$	28	$	73	$	73	$	73
Total	2	$	—	$	45	$	—	$	28	$	73	$	73	$	73