Cape Bancorp Inactive 10-Q7 May 142014 Q1 Quarterly reportFinancial data

Company Profile

Document_and_Entity_Informatio

Document and Entity Information	3 Months Ended
Document and Entity Information	Mar. 31, 2014	6-May-14
Document And Entity Information [Line Items]	'	'
Entity Registrant Name	'Cape Bancorp, Inc.	'
Entity Central Index Key	'0001411303	'
Document Type	'10-Q	'
Document Period End Date	31-Mar-14	'
Amendment Flag	'false	'
Document Fiscal Year Focus	'2014	'
Document Fiscal Period Focus	'Q1	'
Current Fiscal Year End Date	'--12-31	'
Entity Filer Category	'Accelerated Filer	'
Entity Common Stock, Shares Outstanding	'	11,822,341

CONSOLIDATED_BALANCE_SHEETS

CONSOLIDATED BALANCE SHEETS (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
ASSETS	'	'
Cash & due from financial institutions	$6,198	$6,940
Interest-bearing bank balances	14,681	17,921
Cash and cash equivalents	20,879	24,861
Interest-bearing time deposits	9,392	9,185
Investment securities available for sale, at fair value (amortized cost of $157,796 and $161,907 respectively)	154,998	157,166
Investment securities held to maturity, at amortized cost (fair value of $17,207 and $8,906, respectively)	17,727	9,102
Loans held for sale	6,148	1,814
Loans, net of allowance of $9,736 and $9,330, respectively	772,553	780,127
Accrued interest receivable	3,369	3,235
Premises and equipment, net	19,880	20,024
Other real estate owned	6,530	7,449
Federal Home Loan Bank (FHLB) stock, at cost	7,536	7,747
Deferred income taxes	15,103	15,628
Bank owned life insurance (BOLI)	30,641	31,177
Goodwill	22,575	22,575
Intangible assets, net	308	298
Other assets	3,412	2,491
Total assets	1,091,051	1,092,879
Deposits	'	'
Interest-bearing deposits	718,724	715,934
Noninterest-bearing deposits	83,264	82,488
Federal funds purchased and repurchase agreements	9,944	9,940
Federal Home Loan Bank borrowings	129,537	133,995
Advances from borrowers for taxes and insurance	828	768
Accrued interest payable	114	102
Other liabilities	7,543	9,225
Total liabilities	949,954	952,452
Stockholders' Equity	'	'
Common stock, $.01 par value: authorized 100,000,000 shares; issued 13,344,776 shares at March 31, 2014 and December 31, 2013; outstanding 11,881,985 shares at March 31, 2014 and 12,059,785 shares at December 31, 2013	133	133
Additional paid-in capital	128,314	128,193
Treasury stock at cost: 1,462,791 shares at March 31, 2014 and 1,284,991 shares at December 31, 2013	-13,856	-12,035
Unearned ESOP shares	-7,996	-8,102
Accumulated other comprehensive loss, net	-1,991	-2,951
Retained earnings	36,493	35,189
Total stockholders' equity	141,097	140,427
Total liabilities & stockholders' equity	$1,091,051	$1,092,879

CONSOLIDATED_BALANCE_SHEETS_Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Amortized cost of investment securities available for sale, at fair value	$157,796	$161,907
Investment securities held to maturity at amortized cost, fair value	17,207	8,906
Loans allowance	$9,736	$9,330
Common stock, par value	$0.01	$0.01
Common stock, shares authorized	100,000,000	100,000,000
Common stock, shares issued	13,344,776	13,344,776
Common stock, shares outstanding	11,881,985	12,059,785
Treasury stock, shares	1,462,791	1,284,991

CONSOLIDATED_STATEMENTS_OF_INC

CONSOLIDATED STATEMENTS OF INCOME (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Interest income:	'	'
Interest on loans	$9,332	$9,076
Interest and dividends on investments	'	'
Taxable	426	425
Tax-exempt	89	142
Interest on mortgage-backed securities	452	465
Total interest income	10,299	10,108
Interest expense:	'	'
Interest on deposits	604	839
Interest on borrowings	598	610
Total interest expense	1,202	1,449
Net interest income before provision for loan losses	9,097	8,659
Provision for loan losses	2,212	297
Net interest income after provision for loan losses	6,885	8,362
Non-interest income:	'	'
Service fees	656	853
Net gains on sale of loans	116	270
Net increase from BOLI	223	235
Gain on sale of investment securities available for sale, net	1,889	290
Net gain (loss) on sale of OREO	-8	21
Other	252	26
Total non-interest income	3,128	1,695
Non-interest expense:	'	'
Salaries and employee benefits	3,598	3,913
Occupancy expenses, net	496	429
Equipment expenses	222	279
Federal insurance premiums	208	304
Data processing	273	345
Loan related expenses	225	341
Advertising	198	147
Telecommunications	269	312
Professional services	260	201
OREO expenses	252	325
Other operating	735	977
Total non-interest expense	6,736	7,573
Income before income taxes	3,277	2,484
Income tax expense	1,249	969
Net income	$2,028	$1,515
Earnings per share (see Note 11):	'	'
Basic	$0.18	$0.12
Diluted	$0.18	$0.12
Weighted average number of shares outstanding:	'	'
Basic	11,157,234	12,495,367
Diluted	11,286,022	12,512,522

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Statement Consolidated Statements Of Comprehensive [Line Items]	'	'
Net income	$3,277	$2,484
Unrealized holding gains (losses) arising during the period on securities, Before Tax Amount	1,634	-657
Amortization of previously unrealized loss on AFS securities transferred to HTM, Before Tax Amount	-35	'
Non-credit related unrealized gain (loss) on other-than-temporarily impaired CDOs, Before Tax Amount	'	-64
Less reclassification adjustment for (gain) loss on sales of securities realized in net income, Before Tax Amount	'	-290
Total other comprehensive income (loss), Before Tax Amount	1,599	-1,011
Total comprehensive income, Before Tax Amount	4,876	1,473
Income tax expense (benefit)	1,249	969
Non-credit related unrealized gain (loss) on other- than-temporarily impaired CDOs, Tax Effect	'	-26
Less reclassification adjustment for (gain) loss on sales of securities realized in net income, Tax Effect	'	-116
Total other comprehensive income (loss), Tax Effect	639	-404
Total comprehensive income, Tax Effect	1,888	565
Net income, Net of Tax Amount	2,028	1,515
Amortization of previously unrealized loss on AFS securities transferred to HTM, Net of Tax Amount	-19	'
Non-credit related unrealized gain (loss) on other- than-temporarily impaired CDOs, Net of Tax Amount	'	-38
Less reclassification adjustment for (gain) loss on sales of securities realized in net income, Net of Tax Amount	'	-174
Total other comprehensive income (loss), Net of Tax Amount	960	-607
Total comprehensive income, Net of Tax Amount	2,988	908
AFS Securities	'	'
Statement Consolidated Statements Of Comprehensive [Line Items]	'	'
Unrealized holding gains (losses) arising during the period on securities, Tax Effect	655	-262
Unrealized holding gains (losses) arising during the period on securities, Net of Tax Amount	979	-395
HTM Securities	'	'
Statement Consolidated Statements Of Comprehensive [Line Items]	'	'
Amortization of previously unrealized loss on AFS securities transferred to HTM, Tax Effect	-16	'
Amortization of previously unrealized loss on AFS securities transferred to HTM, Net of Tax Amount	($19)	'

CONSOLIDATED_STATEMENTS_OF_CHA

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (USD $)	Total	Common Stock	Additional Paid-In Capital	Treasury Stock	Unearned ESOP Shares	Accumulated Other Comprehensive Income (Loss)	Retained Earnings
In Thousands	Total	Common Stock	Additional Paid-In Capital	Treasury Stock	Unearned ESOP Shares	Accumulated Other Comprehensive Income (Loss)	Retained Earnings
Beginning balance at Dec. 31, 2012	$150,826	$133	$127,767	'	($8,528)	($679)	$32,133
Net income	5,551	'	'	'	'	'	5,551
Other comprehensive income (loss)	-2,272	'	'	'	'	-2,272	'
Stock option compensation expense	444	'	444	'	'	'	'
Restricted stock compensation expense	17	'	17	'	'	'	'
Issuance of stock for stock options	146	'	33	113	'	'	'
Issuance of restricted stock	'	'	-38	38	'	'	'
Dividends on common stock	-2,495	'	'	'	'	'	-2,495
Common stock repurchased	-12,186	'	'	-12,186	'	'	'
ESOP shares earned	396	'	-30	'	426	'	'
Ending balance at Dec. 31, 2013	140,427	133	128,193	-12,035	-8,102	-2,951	35,189
Net income	2,028	'	'	'	'	'	2,028
Other comprehensive income (loss)	960	'	'	'	'	960	'
Stock option compensation expense	111	'	111	'	'	'	'
Restricted stock compensation expense	6	'	6	'	'	'	'
Issuance of stock for stock options	17	'	-2	19	'	'	'
Dividends on common stock	-724	'	'	'	'	'	-724
Common stock repurchased	-1,840	'	'	-1,840	'	'	'
ESOP shares earned	112	'	6	'	106	'	'
Ending balance at Mar. 31, 2014	$141,097	$133	$128,314	($13,856)	($7,996)	($1,991)	$36,493

CONSOLIDATED_STATEMENTS_OF_CHA1

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical) (USD $)	3 Months Ended	12 Months Ended
	Mar. 31, 2014	Dec. 31, 2013
Cash dividends declared, per share	$0.06	$0.21
Treasury Stock	'	'
Common stock repurchased shares	179,800	1,301,116

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Cash flows from operating activities	'	'
Net income	$2,028	$1,515
Adjustments to reconcile net income to net cash provided by operating activities:	'	'
Provision for loan losses	2,212	297
Net (gain) loss on the sale of loans	-116	-270
Net (gain) loss on the sale of other real estate owned	8	-21
Write-down of other real estate owned	90	162
Net (gain) loss on sale of investments	-1,889	-314
Earnings on BOLI	-223	-235
Originations of loans held for sale	'	-10,322
Proceeds from sales of loans	185	16,053
Depreciation and amortization	605	663
ESOP and stock-based compensation expense	229	221
Changes in assets and liabilities that (used) provided cash:	'	'
Accrued interest receivable	-134	-134
Other assets	-288	3,124
Accrued interest payable	12	-35
Other liabilities	-3,761	-1,928
Net cash (used in) provided by operating activities	-1,042	8,776
Cash flows from investing activities	'	'
Proceeds from sales of AFS securities	1,889	13,447
Proceeds from calls, maturities, and principal repayments of AFS securities	6,002	13,230
Purchases of AFS securities	-7,689	-25,955
Purchases of HTM securities	-1,177	'
Redemption (Purchase) of Federal Home Loan Bank stock	212	13
Proceeds from sale of other real estate owned	877	2,633
(Increase) decrease in interest-bearing time deposits	-207	-992
(Increase) decrease in loans, net	852	-8,597
Purchases of premises and equipment	-78	-159
Net cash (used in) provided by investing activities	681	-6,380
Cash flows from financing activities	'	'
Net increase in deposits	3,566	-6,136
Increase in advances from borrowers for taxes and insurance	60	38
Repayments of long-term borrowings	'	-15,000
Increase (decrease) in short-term borrowings	-4,700	14,700
Purchase of Treasury stock	-1,840	'
Proceeds from exercise of shares from stock option	17	58
Dividends paid on common stock	-724	-667
Net cash provided by (used in) financing activities	-3,621	-7,007
Net increase (decrease) in cash and cash equivalents	-3,982	-4,611
Cash and cash equivalents at beginning of year	24,861	24,228
Cash and cash equivalents at end of quarter	20,879	19,617
Cash paid during period for:	'	'
Interest	1,190	1,255
Income taxes, net of refunds	'	1,668
Supplementary disclosure of non-cash investing activities:	'	'
AFS investment security sales that will settle after quarter-end	2,000	367
AFS investment security purchase commitments that settled during the period	4,189	2,060
Transfers from AFS to HTM investment securities	7,614	'
Transfers from loans to loans held for sale, net	4,550	'
Transfers from loans to other real estate owned	$44	$1,696

Organization

Organization	3 Months Ended
Organization	Mar. 31, 2014
Organization	'
	NOTE 1 – ORGANIZATION
	Cape Bancorp, Inc. (the “Company”) is a Maryland corporation that was incorporated on September 14, 2007 for the purpose of becoming the holding company of Cape Bank.
	Cape Bank (the “Bank”) is a New Jersey-chartered stock savings bank. The Bank provides a complete line of business and personal banking products through its fourteen full service offices located throughout Atlantic and Cape May counties in Southern New Jersey, including its main office located at 225 North Main Street, Cape May Court House, New Jersey, one drive-up teller/ATM operation in Atlantic County, and two market development offices (“MDOs”) located in Burlington County, New Jersey and in Radnor, Pennsylvania, which services the five county Philadelphia market area.
	The Bank faces significant competition in attracting deposits and originating loans. Our most direct competition for deposits historically has come from the many financial institutions operating in our market area, including commercial banks, savings banks, savings and loan associations and credit unions, and, to a lesser extent, from other financial service companies, such as brokerage firms and insurance companies. The Bank is subject to regulations of certain state and federal agencies, and accordingly, the Bank is periodically examined by such regulatory authorities. As a consequence of the regulation of commercial banking activities, the Bank’s business is particularly susceptible to future state and federal legislation and regulations.

Summary_of_Significant_Account

Summary of Significant Accounting Policies	3 Months Ended
Summary of Significant Accounting Policies	Mar. 31, 2014
Summary of Significant Accounting Policies	'
	NOTE 2 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
	Basis of Financial Statement Presentation: The accounting and reporting policies of the Bank conform to accounting principles generally accepted in the United States of America (“US GAAP” or “GAAP”).
	We have prepared the consolidated financial statements included herein pursuant to the rules and regulations of the Securities and Exchange Commission (“SEC”). We have condensed or omitted certain information and footnote disclosures normally included in consolidated financial statements prepared in accordance with GAAP pursuant to such rules and regulations. These financial statements should be read in conjunction with the financial statements and notes thereto included in our latest Annual Report on Form 10-K. The results of operations for the interim periods are not necessarily indicative of the results for the full year.
	The consolidated financial statements include the accounts of Cape Bancorp, Inc. and its subsidiaries, all of which are wholly-owned. Significant intercompany balances and transactions have been eliminated. Certain prior period amounts may have been reclassified to conform to current year presentations. The consolidated financial statements, as of and for the periods ended March 31, 2014 and 2013, have not been audited by the Company’s independent registered public accounting firm. In the opinion of management, all accounting entries and adjustments, including normal recurring accruals, necessary for a fair presentation of the financial position and the results of operations for the periods presented have been made. Events occurring subsequent to the date of the balance sheet have been evaluated for potential recognition or disclosure in the consolidated financial statements through the date of the filing of the consolidated financial statements with the SEC.
	Use of Estimates: To prepare financial statements in conformity with GAAP, management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided, and actual results could differ. The allowance for loan losses, deferred taxes, evaluation of investment securities for other-than-temporary impairment and fair values of financial instruments are particularly subject to change.
	Cash and Cash Equivalents: For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, overnight deposits, federal funds sold and interest-bearing bank balances. The Federal Reserve Bank required reserves of $739,000 as of March 31, 2014, and $732,000 as of December 31, 2013 are included in these balances.
	Interest-Bearing Time Deposits: Interest-bearing time deposits are held to maturity, are carried at cost and have original maturities greater than three months.
	Investment Securities: The Bank classifies investment securities as either available-for-sale (“AFS”) or held-to-maturity (“HTM”). Investment securities classified as AFS are carried at fair value with unrealized gains and losses excluded from earnings and reported in a separate component of equity, net of related income tax effects. Investment securities classified as HTM are carried at cost, adjusted for amortization of premium and accretion of discount over the term of the related investments, using the level yield method. Investment securities are classified as HTM when management has the positive intent and ability to hold them to maturity. In March 2014, the Bank reclassified a portion of the AFS securities as HTM, as these securities may be particularly susceptible to changes in fair value in the near term as a result of market volatility. Gains and losses on sales of investment securities are recognized upon realization utilizing the specific identification method.
	When the fair value of a debt security has declined below the amortized cost at the measurement date, if an entity intends to sell a security or is more likely than not to sell the security before the recovery of the security’s cost basis, the entity must recognize the other-than-temporary impairment (OTTI) in earnings. For a debt security with a fair value below the amortized cost at the measurement date where it is more likely than not that an entity will not sell the security before the recovery of its cost basis, but an entity does not expect to recover the entire cost basis of the security, the security is classified as OTTI. The related OTTI loss on the debt security will be recognized in earnings to the extent of the credit losses, with the remaining impairment loss recognized in accumulated other comprehensive income. In estimating OTTI losses, management considers: the length of time and extent that fair value of the security has been less than the cost of the security, the financial condition and near term prospects of the issuer, cash flow, stress testing analysis on securities, when applicable, and the Company’s ability and intent to hold the security for a period sufficient to allow for any anticipated recovery in fair value.
	Loans Held for Sale (“HFS”): HFS consists of residential mortgage loans originated and intended for sale in the secondary market and, from time to time, certain loans transferred from the loan portfolio to HFS, all of which are carried at the lower of aggregate cost or fair market value. The fair value of residential mortgage loans is based on the price secondary markets are currently offering for similar loans using observable market data. The fair values of loans transferred from the loan portfolio to HFS are based on the amounts offered for these loans in currently pending sales transactions or as determined by outstanding commitments from investors. Write-downs on loans transferred to HFS are charged to the allowance for loan losses. Subsequent declines in fair value, if any, are charged to operating income and the HFS balance is reduced. Gains and losses on sales of loans are based on the difference between the selling price and the carrying value of the related loans sold. At March 31, 2014, there were no residential mortgages classified as HFS as the Bank exited the residential mortgage loan origination business effective December 31, 2013.
	Loans and Allowance for Loan Losses: Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at the amount of unpaid principal, net of unearned interest, deferred loan fees and costs, and reduced by an allowance for loan losses. Interest on loans is accrued and credited to operations based upon the principal amounts outstanding. Loan origination fees and certain direct origination costs are deferred and amortized over the life of the related loans as an adjustment to the yield on loans receivable in a manner which approximates the interest method. The allowance for loan losses is established through a provision for loan losses charged to operations. The allowance for loan losses is comprised of both loan pool valuation allowances and individual valuation allowances. Loans are charged against the allowance for loan losses when management believes that the collectability of the principal is unlikely.
	Recognition of interest income is discontinued when, in the opinion of management, the collectability of the loan becomes doubtful. A commercial loan is classified as non-accrual when the loan is 90 days or more delinquent, or when in the opinion of management, the collectability of such loan is in doubt. Consumer and residential loans are classified as non-accrual when the loan is 90 days or more delinquent with a loan to value ratio greater than 60 percent.
	All interest accrued, but not received, for loans placed on non-accrual, is reversed against interest income. Interest received on such loans is accounted for as a reduction of the principal balance until qualifying for return to accrual. Commercial loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Payments are generally applied to reduce the principal balance but, in certain situations, the application of payments may vary. Consumer and residential loans are returned to accrual status when their delinquency becomes less than 90 days and/or the loan to value ratio is less than 60 percent.
	The allowance for loan losses is maintained at an amount management deems appropriate to cover probable incurred losses. In determining the level to be maintained, management evaluates many factors including historical loss experience, the borrowers’ ability to repay and repayment performance, current economic trends, estimated collateral values, industry experience, industry loan concentrations, changes in loan policies and procedures, changes in loan volume, delinquency and troubled asset trends, loan management and personnel, internal and external loan review, total credit exposure of the individual or entity, and external factors including competition, legal, regulatory and seasonal factors. In the opinion of management, the allowance is appropriate to absorb probable loan losses. While management uses the best information available to make such evaluations, future adjustments to the allowance may be necessary. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Bank’s allowance for losses on loans. Such agencies may require the Bank to recognize additions to the allowance based on their judgment about information available to them at the time of their examination. Charge-offs to the allowance are made when the loan is transferred to other real estate owned or a determination of loss is made.
	A loan is impaired when, based on current information and events, it is probable that a creditor will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans are individually evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. Included in the Company’s loan portfolio are modified loans. Per the Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”), Topic 310-40, “Troubled Debt Restructurings by Creditors” (“FASB ASC 310-40”), a loan restructuring is one in which the creditor, for economic or legal reasons related to the debtor’s financial difficulties, grants a concession to the debtor that the creditor would not otherwise consider, such as providing for a below market interest rate and/or forgiving principal or previously accrued interest. This restructuring may stem from an agreement or may be imposed by law, and may involve a multiple note structure. Prior to the restructuring, if the loans which are modified as a troubled debt restructuring (“TDR”) are already classified as non-accrual, these loans may only be returned to performing (i.e. accrual status) after considering the borrower’s sustained repayment performance for a reasonable amount of time, generally six months. This sustained repayment performance may include the period of time just prior to the restructuring. At March 31, 2014, TDRs totaled $4.3 million, of which $3.4 million were accruing TDRs and $865,000 were non-accruing TDRs. This compares to $4.3 million of TDRs at December 31, 2013, of which $3.4 million were accruing TDRs and $881,000 were non-accruing TDRs. (See Note 4 – Loans Receivable).
	In determining an appropriate amount for the allowance, the Bank segments and evaluates the loan portfolio based on collateral. The following portfolio classes have been identified:
	Commercial Secured by Real Estate: Commercial real estate properties primarily include office and medical buildings, retail space, restaurants, multifamily and warehouse or flex space. Some properties are considered “mixed use” as they are a combination of building types, such as an apartment building that may also have retail space. Multifamily loans are expected to be repaid from the cash flow of the underlying property so the collective amount of rents must be sufficient to cover all operating expenses, property management and maintenance, taxes and debt service. Increases in vacancy rates, interest rates or other changes in general economic conditions can all have an impact on the borrower and their ability to repay the loan. Commercial real estate loans are generally considered to have a higher degree of credit risk than multifamily loans as they may be dependent on the ongoing success and operating viability of a fewer number of tenants who are occupying the property and who may have a greater degree of exposure to economic conditions.
	Commercial Term Loans: Commercial term loans are term loans to operating companies for business purposes. These loans are generally secured by real estate or business assets such as accounts receivable, inventory and equipment. These loans are typically repaid first by the cash flow generated by the borrower’s business operation. The primary risk characteristics are specific to the underlying business and its ability to generate sustainable profitability and resulting positive cash flow. Factors that may influence a business’s profitability include, but are not limited to, demand for its products or services, quality and depth of management, degree of competition, regulatory changes, and general economic conditions. Commercial term and lines of credit loans are generally secured by business assets; however, the ability of the Bank to foreclose and realize sufficient value from the assets is often highly uncertain.
	Construction: Construction loans are granted to experienced and reputable local builders and developers that have the capital and liquidity to carry a project to completion and stabilization. Construction loans are considered riskier than commercial financing on improved and established commercial real estate and loans for the purchase of existing residential properties. The risk of potential loss increases if the original cost estimates or time to complete are significantly off.
	Other Commercial: The Bank provides commercial lines of credit loans to operating companies for business purposes. The loans are generally secured by business assets such as accounts receivable, inventory and equipment. These loans are typically repaid first by the cash flow generated by the borrower’s business operation. The primary risk characteristics are specific to the underlying business and its ability to generate sustainable profitability and resulting positive cash flow. Factors that may influence a business’s profitability include, but are not limited to, demand for its products or services, quality and depth of management, degree of competition, regulatory changes, and general economic conditions. Commercial lines of credit loans are generally secured by business assets; however, the ability of the Bank to foreclose and realize sufficient value from the assets is often highly uncertain.
	Residential Mortgage: Effective December 31, 2013, the Bank exited the residential mortgage loan origination business. Prior to December 31, 2013, the Bank originated one-to-four family residential mortgage loans within or near its primary geographic market area. The mortgage loans are secured by first liens on the primary residence or investment property. Primary risk characteristics associated with residential mortgage loans typically involve major living or lifestyle changes to the borrower, including unemployment or other loss of income; unexpected significant expenses, such as for major medical issues or catastrophic events; divorce or death. In addition, residential mortgage loans that have adjustable rates could expose the borrower to higher debt service requirements in a rising interest rate environment. Further, real estate values could drop significantly and cause the value of the property to fall below the loan amount, creating additional potential exposure for the Bank.
	Home Equity & Lines of Credit: The Bank provides home equity loans and lines of credit in the form of amortizing home equity loans or revolving home equity lines of credit against one to four family residences within or near its primary geographic market. Primary risk characteristics associated with home equity lines of credit typically involve major living or lifestyle changes to the borrower, including unemployment or other loss of income; unexpected significant expenses, such as for major medical issues or catastrophic events; divorce or death. In addition, home equity lines of credit typically are made with variable or floating interest rates, such as the Prime Rate, which could expose the borrower to higher debt service requirements in a rising interest rate environment. Further, real estate values could drop significantly and cause the value of the property to fall below the loan amount, creating additional potential exposure for the Bank.
	Other Consumer: These are loans to individuals for household, family and other personal expenditures. This also represents all other loans that cannot be categorized in any of the previous mentioned loan segments.
	Other Real Estate Owned (“OREO”): Real estate acquired as a result of foreclosure or by deed in lieu of foreclosure is classified as other real estate owned and is initially recorded at the estimated fair market value, less the estimated cost to sell, at the date of foreclosure, thereby establishing a new cost basis. If the fair value declines subsequent to foreclosure, an OREO write-down is recorded through expense and the OREO balance is lowered to reflect the current fair value. Operating costs after acquisition are expensed.
	Premises and Equipment: Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Buildings and related components are depreciated using the straight-line method with useful lives ranging from 10 to 39 years. Furniture, fixtures and equipment are depreciated using the straight-line (or accelerated) method with useful lives ranging from 3 to 7 years.
	Federal Home Loan Bank of New York (“FHLB”) Stock: The Bank is a member of the FHLB of New York. Members are required to own a certain amount of stock based on the level of borrowings and other factors. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Cash dividends are reported as income.
	Goodwill and Other Intangible Assets: Goodwill results from business acquisitions and represents the excess of the purchase price over the fair value of acquired tangible assets and liabilities and identifiable intangible assets. Goodwill is assessed at least annually for impairment and any such impairment will be recognized in the period identified. The annual goodwill assessment for 2014 will be performed in the fourth quarter. In the interim, the Company will continue to evaluate goodwill on a quarterly basis utilizing the methodology required for an annual goodwill assessment.
	Other intangible assets consist of core deposit and acquired customer relationship intangible assets arising from whole bank acquisitions. They are initially measured at fair value and then are amortized on an accelerated method over their estimated useful lives, which range from 5 to 13 years. Other intangible assets also include loan servicing rights which are amortized on the level yield method over the life of the loan. Other intangible assets are assessed at least annually for impairment and any such impairment will be recognized in the period identified.
	Bank Owned Life Insurance (“BOLI”): The Bank has an investment in bank owned life insurance. BOLI involves the purchasing of life insurance by the Bank on a chosen group of employees and directors. The Bank is the owner and beneficiary of the policies and in accordance with FASB ASC Topic 325, “Investments in Insurance Contracts”, the amount recorded is the cash surrender value, which is the amount realizable.
	Loan Commitments and Related Financial Instruments: Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded.
	Defined Benefit Plan: The Bank participates in the Pentegra Defined Benefit Plan for Financial Institutions (The “Pentegra DB Plan”), a tax-qualified defined benefit pension plan. The Pentegra DB Plan’s Employer Identification Number is 13-5645888, and the Plan Number is 333. The Pentegra DB Plan operates as a multi-employer plan for accounting purposes and as a multiple-employer plan under the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code. There are no collective bargaining agreements in place that require contributions to the Pentegra DB Plan.
	The plan was amended to freeze participation to new employees commencing January 1, 2008. Employees who became eligible to participate prior to January 1, 2008, will continue to accrue a benefit under the plan. The Bank accrues pension costs as incurred. The plan was further amended to freeze benefits as of December 31, 2008 for all employees eligible to participate prior to January 1, 2008.
	401(k) Plan: The Bank maintains a tax-qualified defined contribution plan for all salaried employees of Cape Bank who have satisfied the 401(k) Plan’s eligibility requirements. Effective January 1, 2012, the Bank eliminated the matching contribution formula and replaced it with a discretionary form of matching contribution.
	Employee Stock Ownership Plan (“ESOP”): The cost of shares issued to the ESOP, but not yet earned is shown as a reduction of equity. Compensation expense is based on the market price of shares as they are committed to be released to participant accounts and the shares become outstanding for earnings per share computations. Dividends on allocated ESOP shares reduce retained earnings; dividends on unearned ESOP shares are used to reduce the annual ESOP debt service. As of March 31, 2014, 206,145 shares have been allocated to eligible participants in the Cape Bank Employee Stock Ownership Plan.
	Stock Benefit Plan: The Company has an Equity Incentive Plan (the “Stock Benefit Plan”) under which incentive and non-qualified stock options, stock appreciation rights (SARs) and restricted stock awards (RSAs) may be granted periodically to certain employees and directors. The fair value of the restricted stock is the market value of the stock on the date of grant. Under the fair value method of accounting for stock options, the fair value is measured on the date of grant using the Black-Scholes option pricing model with market assumptions. This amount is amortized as salaries and employee benefits expense on a straight-line basis over the vesting period. Option pricing models require the use of highly subjective assumptions, including expected stock price volatility, which, if changed, can significantly affect fair value estimates.
	Income Taxes: Income taxes are accounted for under the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases and operating loss and tax credit carryforwards. The principal types of accounts resulting in differences between assets and liabilities for financial statement and tax purposes are the allowance for loan losses, deferred compensation, deferred loan fees, charitable contributions, depreciation and OTTI charges. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. A valuation allowance is recorded against net deferred tax assets when management has concluded that it is not more likely than not that a portion or all will be realized. Management considers several factors in determining whether a portion, or all, of the valuation allowance should be reversed such as the level of historical taxable income, projections for future taxable income over the periods in which the deferred tax assets are deductible and tax planning strategies.
	Under FASB Interpretation No. 48, Accounting for Uncertainty in Income Taxes, included in FASB ASC Subtopic 740-10—Income Taxes—Overall, the Company recognizes the effect of income tax positions only if those positions are more likely than not of being sustained. Recognized income tax positions are measured at the largest amount that is greater than 50% likely of being realized. Changes in recognition or measurement are reflected in the period in which the change in judgment occurs.
	The Company records interest and penalties related to uncertain tax positions as non-interest expense.
	Earnings Per Share: Basic earnings per common share is the net income divided by the weighted average number of common shares outstanding during the period. ESOP shares are not considered outstanding for this calculation unless earned. Diluted earnings per common share includes the dilutive effect of additional potential common shares issuable under stock option and restricted stock awards, if any.
	Comprehensive Income (Loss): Comprehensive income (loss) includes net income as well as certain other items which result in a change to equity during the period. Other comprehensive income includes unrealized gains and losses on securities available-for-sale which are also recognized as separate components of equity. See the Consolidated Statement of Comprehensive Income.
	Operating Segments: While the chief decision makers monitor the revenue streams of the various products and services, operations are managed and financial performance is evaluated on a Company-wide basis. Operating segments are aggregated into one as operating results for all segments are similar. Accordingly, all of the financial service operations are considered by management to be aggregated in one reportable operating segment.
	Treasury Stock: Stock held in the treasury by the Company is accounted for using the cost method, which treats stock held in treasury as a reduction to total stockholders’ equity. As shares of treasury stock are reissued to satisfy stock option exercises, the shares are issued using the average cost basis of the shares in the treasury at the time of issuance.
	On April 18, 2013, the Company announced that the Board of Directors authorized a stock repurchase plan under which the Company would repurchase up to 5%, or approximately 667,239 shares, of the Company’s issued and outstanding shares. The repurchase was completed on July 16, 2013. Furthermore, on July 19, 2013, the Company announced that the Board of Directors authorized a second repurchase program for the repurchase of up to 5%, or approximately 633,877 shares, of the Company’s issued and outstanding shares. The second repurchase plan was completed on October 3, 2013. The average repurchase price for both stock repurchase plans was $9.37 per share. On December 23, 2013, the Company announced that the Board of Directors authorized a third stock repurchase plan under which the Company would repurchase up to 5%, or approximately 602,989 shares, of the Company’s issued and outstanding shares. As of March 31, 2014, 179,800 shares were repurchased as part of the most recent stock repurchase plan.
	Effect of Newly Issued Accounting Standards: In January 2014, the FASB issued ASU 2014-04 “Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.” The amendments in ASU 2014-04 are intended to reduce diversity in practice by clarifying when an in-substance repossession or foreclosure occurs, that is, when a creditor such as the Bank should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan should be derecognized and the real estate property recognized. Additionally, the amendments in ASU 2014-04 require interim and annual disclosure of both the amount of foreclosed residential real estate property held by a creditor and the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. For public entities, such as the Company, the amendments are effective for interim and annual reporting periods beginning after December 15, 2014. Early adoption in 2014 is permitted. ASU 2014-04 is not expected to have a material impact on the Company’s financial position, results of operations or disclosures.

Investment_Securities

Investment Securities	3 Months Ended
Investment Securities	Mar. 31, 2014
Investment Securities	'
	NOTE 3 – INVESTMENT SECURITIES

	In March 2014, the Bank reclassified a portion of the available-for-sale securities as held-to-maturity as these securities may be particularly susceptible to changes in fair value in the near term as a result of market volatility. The amortized cost, gross unrealized gains or losses and the fair value of the Bank’s investment securities available-for-sale and held-to-maturity at March 31, 2014 and December 31, 2013 are as follows:


			Amortized Cost				Gross Unrealized Gains				Gross Unrealized Losses				Fair Value
			(in thousands)
	31-Mar-14
	Investment securities available-for-sale
	Debt securities
	U.S. Government and agency obligations		$	47,965			$	14			$	(1,085	)		$	46,894
	Municipal bonds			5,781				97				(23	)			5,855
	Collateralized debt obligations			—				—				—				—
	Corporate bonds			16,113				79				(5	)			16,187
	Total debt securities		$	69,859			$	190			$	(1,113	)		$	68,936

	Equity securities
	CRA Qualified Investment Fund		$	5,000			$	—			$	(264	)		$	4,736
	Total equity securities		$	5,000			$	—			$	(264	)		$	4,736

	Mortgage-backed securities
	GNMA pass-through certificates		$	3,392			$	152			$	—			$	3,544
	FHLMC pass-through certificates			4,961				80				(120	)			4,921
	FNMA pass-through certificates			14,267				173				(367	)			14,073
	Collateralized mortgage obligations			60,317				115				(1,644	)			58,788
	Total mortgage-backed securities		$	82,937			$	520			$	(2,131	)		$	81,326
	Total securities available-for-sale		$	157,796			$	710			$	(3,508	)		$	154,998


	Investment securities held-to-maturity
	Debt securities
	U.S. Government and agency obligations		$	7,639			$	—			$	(434	)		$	7,205
	Municipal bonds			10,088				74				(160	)			10,002
	Total debt securities		$	17,727			$	74			$	(594	)		$	17,207
	Total securities held-to-maturity		$	17,727			$	74			$	(594	)		$	17,207

			Amortized Cost				Gross Unrealized Gains				Gross Unrealized Losses				Fair Value
			(in thousands)
	31-Dec-13
	Investment securities available-for-sale
	Debt securities
	U.S. Government and agency obligations		$	53,951			$	5			$	(2,350	)		$	51,606
	Municipal bonds			6,090				116				(28	)			6,178
	Collateralized debt obligations			—				—				—				—
	Corporate bonds			13,059				44				(24	)			13,079
	Total debt securities		$	73,100			$	165			$	(2,402	)		$	70,863

	Equity securities
	CRA Qualified Investment Fund		$	5,000			$	—			$	(300	)		$	4,700
	Total equity securities		$	5,000			$	—			$	(300	)		$	4,700

	Mortgage-backed securities
	GNMA pass-through certificates		$	3,424			$	130			$	—			$	3,554
	FHLMC pass-through certificates			5,101				78				(175	)			5,004
	FNMA pass-through certificates			14,596				163				(495	)			14,264
	Collateralized mortgage obligations			60,686				121				(2,026	)			58,781
	Total mortgage-backed securities		$	83,807			$	492			$	(2,696	)		$	81,603
	Total securities available-for-sale		$	161,907			$	657			$	(5,398	)		$	157,166


	Investment securities held-to-maturity
	Debt securities
	Municipal bonds		$	9,102			$	42			$	(238	)		$	8,906
Total debt securities		$	9,102			$	42			$	(238	)		$	8,906
Total securities held-to-maturity		$	9,102			$	42			$	(238	)		$	8,906

Proceeds from sales of securities available for sale were $1.9 million and $13.4 million for the three months ended March 31, 2014 and 2013, respectively. Gross gains of $1.9 million and $290,000 were realized on security sales during the three months ended March 31, 2014 and 2013, respectively. Proceeds from security calls, maturities, and return of principal were $6.0 million and $13.2 million for the three months ended March 31, 2014 and 2013, respectively.
Securities having a fair value of approximately $60.2 million and $50.6 million at March 31, 2014 and December 31, 2013, respectively, were pledged to secure public deposits, Federal Home Loan Bank and other borrowings. The Bank did not hold any trading securities during the three months ended March 31, 2014 or December 31, 2013.
On March 3, 2014, $7.6 million of agency debt securities were transferred from available-for-sale to held-to-maturity at fair value which the Bank has the ability and positive intent to hold to maturity. Additionally, the Bank expects to recover the recorded investment and thus realize no gains or losses when the issuer pays the amount promised through maturity. Each transfer was done at fair value and any previously unrealized gain or loss will be amortized or accreted to investment securities in the consolidated statements of operation. The unrealized holding gain or loss at March 3, 2014 related to this transfer, will continue to be reported in a separate component of shareholders equity and will be amortized or accreted over the remaining life of the security as an adjustment of yield in a manner consistent with the amortization or accretion of any premium or discount, and will result in no net effect to the investment yield. These securities had gross unrealized losses at the time of transfer of $377,000 of which $276,000 was in a loss position for less than 12 months. These securities had net unrealized losses of $377,000 at March 3, 2014.
The table below indicates the length of time individual securities have been in a continuous unrealized loss position at March 31, 2014:

		Less Than 12 Months								12 Months or Longer							Total
Description of Securities		Fair Value				Unrealized Losses				Fair Value				Unrealized Losses			Fair Value		Unrealized Losses
										(in thousands)
U.S. Government and agency obligations		$	46,563			$	(1,395	)		$	1,876			$	(124	)	$	48,439	$	(1,519	)
Municipal bonds			7,328				(165	)			1,222				(18	)		8,550		(183	)
Corporate bonds			3,038				(5	)			—				—			3,038		(5	)
CRA Qualified Investment Fund			—				—				4,736				(264	)		4,736		(264	)
Mortgage-backed securities			54,328				(1,887	)			5,282				(244	)		59,610		(2,131	)

Total temporarily impaired investment securities		$	111,257			$	(3,452	)		$	13,116			$	(650	)	$	124,373	$	(4,102	)

The table below indicates the length of time individual securities have been in a continuous unrealized loss position at December 31, 2013:


		Less Than 12 Months								12 Months or Longer							Total
Description of Securities		Fair Value				Unrealized Losses				Fair Value				Unrealized Losses			Fair Value		Unrealized Losses
										(in thousands)
U.S. Government and agency obligations		$	45,771			$	(2,184	)		$	1,834			$	(166	)	$	47,605	$	(2,350	)
Municipal bonds			7,936				(244	)			1,220				(22	)		9,156		(266	)
Corporate bonds			4,029				(24	)			—				—			4,029		(24	)
CRA Qualified Investment Fund			—				—				4,700				(300	)		4,700		(300	)
Mortgage-backed securities			59,729				(2,452	)			2,569				(244	)		62,298		(2,696	)

Total temporarily impaired investment securities		$	117,465			$	(4,904	)		$	10,323			$	(732	)	$	127,788	$	(5,636	)
Management evaluates investment securities to determine if they are OTTI on at least a quarterly basis. The evaluation process applied to each security includes, but is not limited to, the following factors: whether the security is performing according to its contractual terms, determining if there has been an adverse change in the expected cash flows for investments within the scope of FASB Accounting Standards Codification (ASC) Topic 325, “Investments Other”, the length of time and the extent to which the fair value has been less than cost, whether the Company intends to sell, or would more likely than not be required to sell an impaired debt security before a recovery of its amortized cost basis, credit rating downgrades, the percentage of performing collateral that would need to default or defer to cause a break in yield and/or a temporary interest shortfall, and a review of the underlying issuers. Additionally, and consistent with FDIC regulations, management, prior to acquiring and periodically thereafter, evaluates various factors of corporate securities that may include but is not limited to the following; evaluate that the risk of default is low and consistent with bonds of similar quality, evaluate the capacity to pay, understand applicable market demographics/economics and understand current levels and trends in operating margins, operating efficiency, profitability, return on assets and return on equity.
At March 31, 2014, the Company’s investment securities portfolio consisted of 254 securities, 107 of which were in an unrealized loss position. The securities consist of investments that are backed by the U.S. Government or U.S. sponsored agencies which the government has affirmed its commitment to support, and municipal obligations which had unrealized losses that were caused by changing credit spreads in the market as a result of the current economic environment. Because the Company has no intention to sell these securities, nor is it more likely than not that we will be required to sell the securities, the Company does not consider these investments to be OTTI.
On a quarterly basis, we evaluate our investment securities for OTTI. As required by FASB ASC Topic No. 320, “Investments – Debt and Equity Securities,” if we do not intend to sell a debt security, and it is not more likely than not that we will be required to sell the security, an OTTI write-down is separated into a credit loss portion and a portion related to all other factors. The credit loss portion is recognized in earnings as net OTTI losses, and the portion related to all other factors is recognized in accumulated other comprehensive income, net of taxes. The credit loss portion is defined as the difference between the amortized cost of the security and the present value of the expected future cash flows for the security. If the intent is to sell a debt security or if it is more likely than not that we will be required to sell the security, then the security is written down to its fair market value as a net OTTI loss in earnings. The Company has evaluated these securities and determined that the decreases in estimated fair value are temporary. The Company’s estimate of projected cash flows it expected to receive was more than the securities’ carrying value, resulting in no impairment charge to earnings for the three months ended March 31, 2014.
In December 2013, prompted by the “Volcker Rule”, the Company sold a portion of its portfolio of bank and insurance trust preferred collateral debt obligation (“CDO”) securities that had a cost basis greater than zero. The sale of these securities resulted in net securities losses totaling $851,000 which was reported in gains and losses on the sale of securities in the year 2013. On February 27, 2014, the Company sold its remaining portion of CDOs having a zero book balance which resulted in a pre-tax gain of $1.9 million.

The amortized cost and fair value of debt securities and mortgage-backed securities available for sale at March 31, 2014, by contractual maturities, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.



	Available for Sale								Held to Maturity
	Amortized				Fair				Amortized				Fair
	Cost				Value				Cost				Value
	(in thousands)								(in thousands)
Due within one year or less	$	3,891			$	3,909			$	—			$	—
Due after one year but within five years		38,973				39,016				470				467
Due after five years but within ten years		26,995				26,011				15,193				14,640
Due after ten years		—				—				2,064				2,100
Equity securities		5,000				4,736
Mortgage-backed securities		82,937				81,326				—				—
Total investment securities	$	157,796			$	154,998			$	17,727			$	17,207



The following table presents a summary of the cumulative credit related OTTI charges recognized as components of earnings for CDO securities still held by the Company at March 31, 2014 and March 31, 2013:



	For the three months ended March 31,
	2014				2013
Beginning balance of cumulative credit losses on CDO securities	$	(14,501	)		$	(18,383	)
Additional credit losses for which other than temporary impairment was previously		—				—
recognized		—				—
Sale of OTTI securities		14,501				—
Credit loss recognized due to change to intent to sell		—				—
Ending balance of cumulative credit losses on CDO securities	$	—			$	(18,383	)

Loans_Receivable

Loans Receivable	3 Months Ended
Loans Receivable	Mar. 31, 2014
Loans Receivable	'
	NOTE 4 – LOANS RECEIVABLE

	Loans receivable consist of the following:



		March 31,				December 31,
		2014				2013
		(in thousands)
	Commercial secured by real estate	$	423,563			$	422,829
	Commercial term loans		19,195				23,203
	Construction		14,823				10,852
	Other commercial		35,978				37,772
	Residential mortgage		245,653				250,698
	Home equity loans and lines of credit		42,613				43,468
	Other consumer loans		753				977
	Loans receivable, gross		782,578				789,799

	Less:
	Allowance for loan losses		9,736				9,330
	Deferred loan fees		289				342
	Loans receivable, net	$	772,553			$	780,127

	During the first quarter of 2014, the Bank transferred $5.3 million of classified commercial loans to loans held for sale. The loans were written-down $1.8 million to the value of the collateral supporting the loans, as the Bank was pursuing the sale of these assets.

	The following table summarizes activity related to the allowance for loan losses by category for the three months ended March 31, 2014:

		At or for the three months ended March 31, 2014
		(in thousands)
		Commercial				Commercial				Construction				Other				Residential Mortgage				Home Equity & Lines of Credit				Other Consumer				Unallocated				Total
		Secured by				Term Loans								Commercial (1)
		Real Estate
	Balance at beginning of year	$	6,554			$	420			$	227			$	600			$	865			$	160			$	4			$	500			$	9,330
	Charge-offs		(178	)			—				—				—				—				(68	)			(15	)			—				(261	)
	Write-downs on loans transferred to HFS		—				(809	)			—				(965	)			—				—				—				—				(1,774	)
	Recoveries		220				—				—				—				—				—				9				—				229
	Provision for loan losses		424				822				(120	)			1,170				(121	)			30				7				—				2,212
	Balance at end of year	$	7,020			$	433			$	107			$	805			$	744			$	122			$	5			$	500			$	9,736

	Impairment evaluation
	Allowance for loan losses
	Individually evaluated	$	130			$	—			$	—			$	—			$	44			$	—			$	—			$	—			$	174
	Collectively evaluated		6,890				433				107				805				700				122				5				500				9,562
	Total allowance for loan losses	$	7,020			$	433			$	107			$	805			$	744			$	122			$	5			$	500			$	9,736
	Loans
	Individually evaluated	$	8,929			$	—			$	—			$	303			$	1,874			$	465			$	—			$	—			$	11,571
	Collectively evaluated		414,634				19,195				14,823				35,675				243,779				42,148				753				—				771,007
	Total loans	$	423,563			$	19,195			$	14,823			$	35,978			$	245,653			$	42,613			$	753			$	—			$	782,578

	-1	includes commercial lines of credit

	The following table summarizes activity related to the allowance for loan losses by category for the year ended December 31, 2013:

		At or for the Year ended December 31, 2013
		(in thousands)
		Commercial Secured by Real Estate				Commercial Term Loans				Construction				Other Commercial (1)				Residential Mortgage				Home Equity & Lines of Credit				Other Consumer				Unallocated				Total
	Balance at beginning of year	$	6,321			$	457			$	58			$	815			$	1,300			$	249			$	17			$	635			$	9,852
	Charge-offs		(2,085	)			—				—				(106	)			(205	)			(109	)			(40	)			—				(2,545	)
	Write-downs on loans transferred to HFS		(241	)			—				—				—				—				—				—				—				(241	)
	Recoveries		214				—				—				10				—				1				28				—				253
	Provision for loan losses		2,345				(37	)			169				(119	)			(230	)			19				(1	)			(135	)			2,011
	Balance at end of year	$	6,554			$	420			$	227			$	600			$	865			$	160			$	4			$	500			$	9,330

Impairment evaluation
Allowance for loan losses
Individually evaluated	$	148			$	—			$	—			$	6			$	70			$	22			$	—			$	—			$	246
Collectively evaluated		6,406				420				227				594				795				138				4				500				9,084
Total allowance for loan losses	$	6,554			$	420			$	227			$	600			$	865			$	160			$	4			$	500			$	9,330
Loans
Individually evaluated	$	8,223			$	—			$	—			$	303			$	2,215			$	461			$	—			$	—			$	11,202
Collectively evaluated		414,606				23,203				10,852				37,469				248,483				43,007				977				—				778,597
Total loans	$	422,829			$	23,203			$	10,852			$	37,772			$	250,698			$	43,468			$	977			$	—			$	789,799



-1	includes commercial lines of credit



The following table summarizes activity related to the allowance for loan losses by category for the three months ended March 31, 2013:

	At or for the three months ended March 31, 2013
	(in thousands)
	Commercial Secured by Real Estate				Commercial Term Loans				Construction				Other Commercial (1)				Residential Mortgage				Home Equity & Lines of Credit				Other Consumer				Unallocated				Total
Balance at beginning of year	$	6,321			$	457			$	58			$	815			$	1,300			$	249			$	17			$	635			$	9,852
Charge-offs		(435	)			—				—				—				(36	)			(24	)			(2	)			—				(497	)
Write-downs on loans transferred to HFS		—				—				—				—				—				—				—				—				—
Recoveries		15				—				—				2				—				1				11				—				29
Provision for loan losses		306				34				2				31				(51	)			(12	)			(13	)			—				297
Balance at end of year	$	6,207			$	491			$	60			$	848			$	1,213			$	214			$	13			$	635			$	9,681

Impairment evaluation
Allowance for loan losses
Individually evaluated	$	408			$	—			$	—			$	54			$	64			$	4			$	—			$	—			$	530
Collectively evaluated		5,799				491				60				794				1,149				210				13				635				9,151
Total allowance for loan losses	$	6,207			$	491			$	60			$	848			$	1,213			$	214			$	13			$	635			$	9,681
Loans
Individually evaluated	$	16,470			$	—			$	141			$	501			$	4,554			$	764			$	—			$	—			$	22,430
Collectively evaluated		373,649				20,618				1,761				33,341				234,593				42,922				1,247				—				708,131
Total loans	$	390,119			$	20,618			$	1,902			$	33,842			$	239,147			$	43,686			$	1,247			$	—			$	730,561



-1	includes commercial lines of credit

Impaired loans at March 31, 2014 and December 31, 2013 were as follows:

	March 31,				December 31,
	2014				2013
	(in thousands)
Non-accrual loans (1)	$	7,360			$	6,885
Loans delinquent greater than 90 days and still accruing		390				458
Troubled debt restructured loans		3,431				3,452
Loans less than 90 days and still accruing		390				407
Total impaired loans	$	11,571			$	11,202

-1	Non-accrual loans in the table above include TDRs totaling $865,000 at March 31, 2014 and $881,000 at December 31, 2013. Total impaired loans do not include loans held for sale. Loans held for sale include $6.1 million and $1.6 million of loans that were on non-accrual status at March 31, 2014 and December 31, 2013, respectively.



	For the three months ended March 31,
	2014				2013
	(in thousands)
Average recorded investment of impaired loans	$	11,164			$	21,176
Interest income recognized during impairment	$	60			$	96
Cash basis interest income recognized	$	—			$	—

At March 31, 2014, non-performing loans had a principal balance of $7.7 million compared to $7.3 million at December 31, 2013. Loan balances past due 90 days or more and still accruing interest, but which management expects will eventually be paid in full, amounted to approximately $390,000 at March 31, 2014 and $458,000 at December 31, 2013.
Impaired loans include loans whose contractual terms have been restructured in a manner that grants a concession to a borrower experiencing financial difficulties. In accordance with applicable accounting guidance (FASB ASC 310-40), these modified loans are considered TDRs. See Note 2 of the Notes to Consolidated Financial Statements for further information regarding TDRs.

The following table provides a summary of TDRs by performing status:

		31-Mar-14												31-Dec-13
Troubled Debt Restructurings		Non-accruing				Accruing				Total				Non-accruing				Accruing				Total
		(in thousands)												(in thousands)
Commercial secured by real estate		$	673			$	2,380			$	3,053			$	688			$	2,392			$	3,080
Residential mortgage			192				1,051				1,243				193				1,060				1,253
Total TDRs		$	865			$	3,431			$	4,296			$	881			$	3,452			$	4,333





The following table presents new TDRs for the three months ended March 31, 2014 and 2013:



		For the three months ended March 31, 2014												For the three months ended March 31, 2013
Troubled Debt Restructurings		Number of Contracts				Pre-Modification Recorded Investment				Post-Modification Recorded Investment				Number of Contracts				Pre-Modification Recorded Investment				Post-Modification Recorded Investment
		(dollars in thousands)
Commercial secured by real estate			1			$	2,178			$	2,170				3			$	2,371			$	2,359
Residential mortgage			—				—				—				1				215				212
Total TDRs			1			$	2,178			$	2,170				4			$	2,586			$	2,571



The following tables present, by class of loans, information regarding the types of concessions granted on accruing and non-accruing loans that were restructured during the three months ended March 31, 2014 and during the year ended December 31, 2013:



		For the three months ended March 31, 2014
		(dollars in thousands)
		Reductions in								Reductions in								Maturity Date								Maturity Date								Deferral of Principal Amount					Total
		Interest Rate and								Interest Rate and Principal Amount																Extension and Interest								Due and					Concessions
		Maturity Date																Extension								Rate Reduction								Shortened Maturity Date					Granted
		No. of Loans				Amount				No. of Loans				Amount				No. of Loans				Amount				No. of Loans				Amount				No. of Loans			Amount		No. of Loans		Amount
Accruing TDRs:
Commercial secured by real estate			—			$	—				—			$	—				—			$	—				1			$	2,178				—		$	—		1	$	2,178
Residential mortgage			—				—				—				—				—				—				—				—				—			—		—		—
Total accruing TDRs			—			$	—				—			$	—				—			$	—				1			$	2,178				—		$	—		1	$	2,178

Non-accruing TDRs:
Commercial secured by real estate			—			$	—				—			$	—				—			$	—				—			$	—				—		$	—		—	$	—
Residential mortgage			—				—				—				—				—				—				—				—				—			—		—		—
Total non-accruing TDRs			—			$	—				—			$	—				—			$	—				—			$	—				—		$	—		—	$	—

Total TDRs:
Commercial secured by real estate			—			$	—				—			$	—				—			$	—				1			$	2,178				—		$	—		1	$	2,178
Residential mortgage			—				—				—				—				—				—				—				—				—			—		—		—
Total TDRs			—			$	—				—			$	—				—			$	—				1			$	2,178				—		$	—		1	$	2,178


		Year ended December 31, 2013
		(dollars in thousands)
		Reductions in								Reductions in								Maturity Date								Maturity Date								Deferral of Principal Amount					Total
										Interest Rate and Principal								Extension																Due and					Concessions
		Interest Rate and								Amount																Extension and Interest								Shortened Maturity Date					Granted

		Maturity Date																								Rate Reduction
		No. of Loans				Amount				No. of Loans				Amount				No. of Loans				Amount				No. of Loans				Amount				No. of Loans			Amount		No. of Loans		Amount
Accruing TDRs:
Commercial secured by real estate			—			$	—				—			$	—				1			$	54				1			$	2,194				—		$	—		2	$	2,248
Residential mortgage			—				—				—				—				2				805				1				212				—			—		3		1,017
Total accruing TDRs			—			$	—				—			$	—				3			$	859				2			$	2,406				—		$	—		5	$	3,265

Non-accruing TDRs:
Commercial secured by real estate			—			$	—				—			$	—				1			$	111				—			$	—				—		$	—		1	$	111
Residential mortgage			—				—				—				—				—				—				—				—				—			—		—		—
Total non-accruing TDRs			—			$	—				—			$	—				1			$	111				—			$	—				—		$	—		1	$	111

Total TDRs:
Commercial secured by real estate			—			$	—				—			$	—				2			$	165				1			$	2,194				—		$	—		3	$	2,359
Residential mortgage			—				—				—				—				2				805				1				212				—			—		3		1,017
Total TDRs			—			$	—				—			$	—				4			$	970				2			$	2,406				—		$	—		6	$	3,376





The following table presents TDRs that defaulted within the quarters ended March 31, 2014 and 2013, where the loan had been modified within twelve months:



		For the three months ended March 31, 2014								For the three months ended March 31, 2013
Troubled Debt Restructurings That Subsequently Defaulted		Number of Contracts				Recorded Investment				Number of Contracts				Recorded Investment
		(dollars in thousands)
Commercial secured by real estate			—			$	—				1			$	111
Residential mortgage			—				—				—				—
Total			—			$	—				1			$	111



A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. Some loan modifications classified as TDRs may not ultimately result in the full collection of principal and interest, as modified, and may result in potential incremental losses. These potential incremental losses have been factored into our overall allowance for loan losses estimate. The level of any re-defaults will likely be affected by future economic conditions. Once a loan becomes a TDR, it will continue to be reported as a TDR until it is repaid in full, reclassified to loans held for sale, foreclosed, sold or it meets the criteria to be removed from TDR status. Included in the allowance for loan losses at March 31, 2014 and December 31, 2013 was an impairment reserve for TDRs in the amount of $158,000 and $127,000, respectively. At March 31, 2014, there are no commitments to extend additional funds to loans that are TDRs.

The following table presents impaired loans at March 31, 2014:



March 31, 2014 (1)		Recorded Investment (2)				Unpaid				Related Allowance				Average Recorded Investment				Interest Income Recognized
March 31, 2014 (1)		Recorded Investment (2)				Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized
		(in thousands)
Impaired loans with a related allowance
Commercial secured by real estate		$	2,269			$	2,269			$	130			$	2,270			$	30
Commercial term loans			—				—				—				—				—
Construction			—				—				—				—				—
Other commercial			—				—				—				—				—
Residential mortgage			359				359				44				360				3
Home equity loans and lines of credit			—				—				—				—				—
Other consumer loans			—				—				—				—				—
Impaired loans with a related allowance		$	2,628			$	2,628			$	174			$	2,630			$	33

Impaired loans with no related allowance
Commercial secured by real estate		$	6,660			$	8,145			$	—			$	6,243			$	10
Commercial term loans			—				—				—				—				—
Construction			—				—				—				—				—
Other commercial			303				376				—				303				—
Residential mortgage			1,515				1,653				—				1,515				16
Home equity loans and lines of credit			465				550				—				473				1
Other consumer loans			—				—				—				—				—
Impaired loans with no related allowance		$	8,943			$	10,724			$	—			$	8,534			$	27

Total impaired loans
Commercial secured by real estate		$	8,929			$	10,414			$	130			$	8,513			$	40
Commercial term loans			—				—				—				—				—
Construction			—				—				—				—				—
Other commercial			303				376				—				303				—
Residential mortgage			1,874				2,012				44				1,875				19
Home equity loans and lines of credit			465				550				—				473				1
Other consumer loans			—				—				—				—				—
Total impaired loans		$	11,571			$	13,352			$	174			$	11,164			$	60

-1	excludes HFS non-accruing loans of $6.1 million.
-2	the difference between the recorded investment and unpaid principal balance primarily results from partial charge-offs.

The following table presents impaired loans at December 31, 2013:


December 31, 2013 (1)		Recorded Investment (2)				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized
		(in thousands)
Impaired loans with a related allowance
Commercial secured by real estate		$	2,773			$	3,234			$	148			$	2,901			$	116
Commercial term loans			—				—				—				—				—
Construction			—				—				—				—				—
Other commercial			60				70				6				60				—
Residential mortgage			618				689				70				660				8
Home equity loans and lines of credit			220				232				22				223				—
Other consumer loans			—				—				—				—				—
Impaired loans with a related allowance		$	3,671			$	4,225			$	246			$	3,844			$	124

Impaired loans with no related allowance
Commercial secured by real estate		$	5,450			$	7,203			$	—			$	3,738			$	88
Commercial term loans			—				—				—				—				—
Construction			—				—				—				—				—
Other commercial			243				306				—				246				—
Residential mortgage			1,597				1,675				—				1,536				69
Home equity loans and lines of credit			241				242				—				157				9
Other consumer loans			—				—				—				—				—
Impaired loans with no related allowance		$	7,531			$	9,426			$	—			$	5,677			$	166

Total impaired loans
Commercial secured by real estate		$	8,223			$	10,437			$	148			$	6,639			$	204
Commercial term loans			—				—				—				—				—
Construction			—				—				—				—				—
Other commercial			303				376				6				306				—
Residential mortgage			2,215				2,364				70				2,196				77
Home equity loans and lines of credit			461				474				22				380				9
Other consumer loans			—				—				—				—				—
Total impaired loans		$	11,202			$	13,651			$	246			$	9,521			$	290



-1	excludes HFS non-accruing loans of $1.6 million.
-2	the difference between the recorded investment and unpaid principal balance primarily results from partial charge-offs.

The following table presents loans by past due status at March 31, 2014:


31-Mar-14		30-59 Days Delinquent				60-89 Days Delinquent				90 Days				Total				Non-				Current				Total
										or More				Delinquent				accrual (1)								Loans
										Delinquent				and Accruing
										and Accruing
		(in thousands)
Commercial secured by real estate		$	1,111			$	50			$	—			$	1,161			$	6,159			$	416,243			$	423,563
Commercial term loans			—				—				—				—				—				19,195				19,195
Construction			—				—				—				—				—				14,823				14,823
Other commercial			—				—				—				—				303				35,675				35,978
Residential mortgage			932				454				316				1,702				507				243,444				245,653
Home equity loans and lines of credit			97				99				74				270				391				41,952				42,613
Other consumer loans			—				—				—				—				—				753				753
Total		$	2,140			$	603			$	390			$	3,133			$	7,360			$	772,085			$	782,578



-1	excludes $6.1 million of loans held for sale.

The following table presents loans by past due status at December 31, 2013:



31-Dec-13		30-59 Days Delinquent				60-89 Days Delinquent				90 Days				Total				Non-				Current				Total
														Delinquent				accrual (1)								Loans
										or More Delinquent				and Accruing

										and Accruing
		(in thousands)
Commercial secured by real estate		$	—			$	1,272			$	—			$	1,272			$	5,425			$	416,132			$	422,829
Commercial term loans			—				—				—				—				—				23,203				23,203
Construction			—				—				—				—				—				10,852				10,852
Other commercial			—				—				—				—				303				37,469				37,772
Residential mortgage			504				589				347				1,440				807				248,451				250,698
Home equity loans and lines of credit			392				192				111				695				350				42,423				43,468
Other consumer loans			—				7				—				7				—				970				977
Total		$	896			$	2,060			$	458			$	3,414			$	6,885			$	779,500			$	789,799



-1	excludes $1.6 million of loans held for sale.
The Company categorizes loans, when the loan is initially underwritten, into risk categories based on relevant information about the ability of borrowers to service their debt. The assessment considers numerous factors including, but not limited to, current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans as to credit risk. Annually, this analysis includes loans with an outstanding balance greater than $250,000 and non-homogeneous loans, such as commercial and commercial real estate loans. The Company uses the following definitions for risk ratings:
Risk Rating 1-5—Acceptable credit quality ranging from High Pass (cash or near cash as collateral) to Management Attention/Pass (acceptable risk) with some deficiency in one or more of the following areas: management experience, debt service coverage levels, balance sheet leverage, earnings trends, the industry of the borrower and annual receipt of current borrower financial information.
Risk Rating 6— Special Mention reflects loans that management believes warrant special consideration and may be loans that are delinquent or current in their payments. These loans have potential weakness which increases their risk to the bank and have shown some signs of weakness but have fallen short of being a Substandard loan.
Management believes that the Substandard category is best considered in four discrete classes: RR 7; RR 8; RR 9; and RR 10.
Risk Rating 7—The class is mostly populated by customers that have a history of repayment (less than 2 delinquencies in the past year) but exhibit a well-defined weakness.
Risk Rating 8—These are loans that share many of the characteristics of the RR 7 loans as they relate to cash flow and/or collateral, but have the further negative of chronic delinquencies. These loans have not yet declined in quality to require a FASB ASC Topic No. 310 Receivables analysis, but nonetheless this class has a greater likelihood of migration to a more negative risk rating.
Risk Rating 9—These loans are impaired loans, are current and accruing, and in some cases are TDRs. They have had a FASB ASC Topic No. 310 Receivables analysis completed.
Risk Rating 10—These loans have undergone a FASB ASC Topic No. 310 Receivables analysis. For those that have a FASB ASC Topic No. 310 Receivables analysis, no general reserve is allowed. More often than not, those loans in this class with specific reserves have had the reserve placed by Management pending information to complete a FASB ASC Topic No. 310 Receivables analysis. Upon completion of the FASB ASC Topic No. 310 Receivables analysis reserves are adjusted or charged-off.
For homogeneous loan pools, such as residential mortgages, home equity lines of credit and term loans, and other consumer loans, the Company uses payment status to identify the credit risk in these loan portfolios. Payment status is reviewed on a daily basis by the Bank’s collection area and on a monthly basis with respect to determining the adequacy of the allowance for loan losses. The payment status of these homogeneous pools at March 31, 2014 and December 31, 2013 is included in the aging of the recorded investment of past due loans table. In addition, the total non-performing portion of these homogeneous loan pools at March 31, 2014 and December 31, 2013 is presented in the recorded investment in nonaccrual loans.

The following tables present commercial loans by credit quality indicator:


		Risk Ratings
31-Mar-14		Grades 1-5				Grade 6				Grade 7				Grade 8				Grade 9				Grade 10				Non-accrual				Total
		(in thousands)
Commercial secured by real estate		$	407,092			$	5,657			$	828			$	1,057			$	2,770			$	—			$	6,159			$	423,563
Commercial term loans			19,195				—				—				—				—				—				—				19,195
Construction			14,823				—				—				—				—				—				—				14,823
Other commercial			35,675				—				—				—				—				—				303				35,978
		$	476,785			$	5,657			$	828			$	1,057			$	2,770			$	—			$	6,462			$	493,559

		Risk Ratings
31-Dec-13		Grades 1-5				Grade 6				Grade 7				Grade 8				Grade 9				Grade 10				Non-accrual				Total
		(in thousands)
Commercial secured by real estate		$	397,398			$	10,669			$	4,729			$	1,809			$	2,799			$	—			$	5,425			$	422,829
Commercial term loans			20,899				—				2,304				—				—				—				—				23,203
Construction			10,852				—				—				—				—				—				—				10,852
Other commercial			35,859				510				1,100				—				—				—				303				37,772
		$	465,008			$	11,179			$	8,133			$	1,809			$	2,799			$	—			$	5,728			$	494,656

Fair_Value

Fair Value	3 Months Ended
Fair Value	Mar. 31, 2014
Fair Value	'
	NOTE 5 – FAIR VALUE
	FASB ASC Topic No. 820, “Fair Value Measurements and Disclosures” establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value:
	Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.
	Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.
	Level 3: Significant unobservable inputs that reflect a reporting entity’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.
	Fair value measurement of securities available for sale is based upon quoted prices, if available. If quoted prices are not available, fair values are generally measured using independent pricing models or other model-based valuation techniques that include market inputs, such as benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, reference data and industry and economic events. Level 1 securities include an investment fund that is traded by dealers or brokers in active over-the-counter markets. Level 2 securities include securities issued by government sponsored agencies, securities issued by certain state and political subdivisions, residential mortgage-backed securities, collateralized mortgage obligations, and corporate bonds.
	Assets and Liabilities Measured on a Recurring Basis

	Assets and liabilities measured at fair value on a recurring basis are summarized below:


		Fair Value Measurements										Fair Value Measurements at
		at March 31, 2014										31-Dec-13
		Quoted			Significant Other Observable Inputs				Significant Other Observable Inputs			Quoted			Significant Other Observable Inputs			Significant Other Observable Inputs
		Prices in			(Level 2)				(Level 3)			Prices in			(Level 2)			(Level 3)
		Active										Active
		Markets										Markets
		for										for
		Identical										Identical
		Assets										Assets
		(Level 1)										(Level 1)
		(in thousands)										(in thousands)
	Investment securities available for sale:
	U.S. Government and agency obligations	$	—		$	46,894			$	—		$	—		$	51,606		$	—
	Municipal bonds		—			5,855				—			—			6,178			—
	Corporate bonds		—			16,187				—			—			13,079			—
	CRA Qualified Investment Fund		4,736			—				—			4,700			—			—
	Mortgage-backed securities		—			81,326				—			—			81,603			—
	Total securities available for sale	$	4,736		$	150,262			$	—		$	4,700		$	152,466		$	—



	The table below presents a reconciliation and income statement classification of gains and losses for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the three months ended March 31, 2014 and 2013:


		Fair Value Measurements Using Significant Unobservable Inputs
		(Level 3)
		CDO Securities Available for Sale
		Three months ended March 31,
		2014			2013
		(in thousands)
	Beginning balance	$	—		$	4,682
	Accretion of discount		—			8
	Payments received		—			—
	Reduction in Accumulated OTTI on sale		—			—
	Realized gain (loss) on sale/redemption		—			—
	Unrealized holding gain (loss)		—			(203	)
	Other-than-temporary impairment included in earnings		—			—
	Ending balance	$	—		$	4,487

	Assets and Liabilities Measured on a Non-Recurring Basis

	Assets and liabilities measured at fair value on a non-recurring basis are summarized below:



		Fair Value Measurements at March 31, 2014										Fair Value Measurements at December 31, 2013
		Quoted Prices in Active Markets for Identical Assets			Significant Other Observable Inputs				Significant Other Unobservable Inputs			Quoted Prices in Active Markets for Identical Assets			Significant Other Observable Inputs			Significant Other Unobservable Inputs
		(Level 1)			(Level 2)				(Level 3)			(Level 1)			(Level 2)			(Level 3)
		(in thousands)										(in thousands)
	Assets:
	Impaired loans (1):
	Commercial secured by real estate	$	—		$	—			$	1,978		$	—		$	—		$	2,255
Commercial term loans		—			—				—			—			—			—
Construction		—			—				—			—			—			—
Other commercial		—			—				303			—			—			297
Residential mortgage		—			—				561			—			—			766
Home equity loans		—			—				260			—			—			198
Total impaired loans	$	—		$	—			$	3,102		$	—		$	—		$	3,516
Other real estate owned:
Commercial	$	—		$	1,497			$	3,358		$	—		$	4,893		$	—
Residential mortgage		—			824				851			—			2,556			—
Total other real estate owned	$	—		$	2,321			$	4,209		$	—		$	7,449		$	—
Loans held for sale	$	—		$	6,148			$	—		$	—		$	1,814		$	—
Assets held for sale	$	—		$	10			$	—		$	—		$	10		$	—
-1	Includes non-accrual loans, loans delinquent greater than 90 days and still accruing, loans less than 90 days delinquent and still accruing and troubled debt restructured loans.
At the time a loan is considered impaired, it is valued at the lower of cost or fair value. This value is generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments may relate to location, square footage, condition, amenities, market rate of leases, if any, as well as the timing of comparable sales. The fair value of the loan is compared to the carrying value to determine if any write-down or specific reserve is required. On a quarterly basis, impaired loans are evaluated for additional impairment and adjusted accordingly. Because the Company has a small amount of impaired loans and OREO measured at fair value, the impact of unobservable inputs on the Company’s financial statements is not material.
On an annual basis, management compares the actual selling price of any collateral that has been sold to the most recent appraised value to determine what additional adjustment should be made to the appraisal value to arrive at the fair value for other properties. The most recent analysis performed indicated that a discount up to 7 percent should be applied to appraisals on properties. The discount is determined based on the nature of the underlying properties, aging of appraisal and other factors.
Fair valued impaired loans with allocated allowance for loan losses at March 31, 2014, had a carrying amount of $3.1 million, which is made up of the outstanding balance of $3.1 million, net of a valuation allowance of $16,000. These balances do not include $3.4 million of impaired loans that are measured using the discounted cash flow method and are not collateral dependent.

Other real estate owned properties are recorded at the estimated fair market value, less the estimated cost to sell, at the date of foreclosure. Fair market value is estimated by using professional real estate appraisals subject to similar adjustments previously mentioned and may be subsequently adjusted based upon real estate broker opinions. Often these values are based on contract of sale or offers, which could result in a Level 2 assignment.

As discussed above, the fair value of impaired loans and other real estate owned is generally determined through independent appraisals of the underlying collateral, which may include Level 3 inputs that are not identifiable.

The following disclosure of estimated fair value amounts has been determined by the Bank using available market information and appropriate valuation methodologies. However, considerable judgment is necessarily required to interpret market data to develop the estimates of fair value. Accordingly, the estimates presented herein are not necessarily indicative of the amounts the Company could realize in a current market exchange. The use of different market assumptions and/or estimation methodologies may have a material effect on the estimated fair value amounts.



	At March 31, 2014
				Fair Value Measurements
				Quoted Prices
				in Active				Significant			Significant
				Markets				Other			Other
				for Identical				Observable			Unobservable
	Carrying			Assets				Inputs			Inputs
	Amount			(Level 1)				(Level 2)			(Level 3)
	(in thousands)
Assets
Cash and cash equivalents	$	20,879		$	6,198			$	14,681		$	—
Interest-bearing time deposits	$	9,392		$	—			$	9,392		$	—
Loans held for sale	$	6,148		$	—			$	6,148		$	—
Loans receivable	$	772,553		$	—			$	—		$	779,479
FHLB Stock	$	7,536		n/a				n/a			n/a
Accrued interest receivable	$	3,369		$	—			$	622		$	2,747

Liabilities
Savings deposits	$	96,153		$	—			$	96,153		$	—
Checking and money market deposits	$	424,056		$	83,264			$	340,792		$	—
Certificates of deposit	$	281,779		$	—			$	282,678		$	—
Borrowings	$	139,481		$	—			$	146,422		$	—
Accrued interest payable	$	114		$	—			$	114		$	—


	At December 31, 2013
				Fair Value Measurements
				Quoted Prices
				in Active				Significant			Significant
				Markets				Other			Other
				for Identical				Observable			Unobservable
	Carrying			Assets				Inputs			Inputs
	Amount			(Level 1)				(Level 2)			(Level 3)
	(in thousands)
Assets
Cash and cash equivalents	$	24,861		$	6,940			$	17,921		$	—
Interest-bearing time deposits	$	9,185		$	—			$	9,185		$	—
Loans held for sale	$	1,814		$	—			$	1,814		$	—
Loans receivable	$	780,127		$	—			$	—		$	791,262
FHLB Stock	$	7,747		n/a				n/a			n/a
Accrued interest receivable	$	3,235		$	—			$	615		$	2,620

Liabilities
Savings deposits	$	96,029		$	—			$	96,029		$	—
Checking and money market deposits	$	433,205		$	82,488			$	350,717		$	—
Certificates of deposit	$	269,188		$	—			$	270,371		$	—
Borrowings	$	143,935		$	—			$	151,287		$	—
Accrued interest payable	$	102		$	—			$	102		$	—

The carrying amount is the estimated fair value for cash and cash equivalents, interest bearing deposits, and accrued interest receivable and payable. Noninterest-bearing cash and cash equivalents and noninterest-bearing deposit liabilities are classified as Level 1, whereas interest-bearing cash and cash equivalents and interest-bearing deposit liabilities are classified as Level 2. Accrued interest receivable and payable are classified as either Level 2 or Level 3 based on the classification level of the asset or liability with which the accrued interest is associated.
Loans held for sale — The fair value of residential mortgage loans is based on the price secondary markets are currently offering for similar loans using observable market data. The fair value is equal to the carrying value, since the time from when a loan is closed and settled is generally not more than two weeks. The fair value of loans transferred from the loan portfolio is based on the amounts offered for these loans in currently pending sales transactions, outstanding commitments from investors, or current market valuation appraisals. Loans held for sale are not included in non-performing loans.
Loans — The fair value of impaired loans with specific allocations of the allowance for loan losses is generally based on recent real estate appraisals. The fair values of loans not impaired is estimated by discounting the estimated future cash flows using the Company’s interest rates currently offered for loans with similar terms to borrowers of similar credit quality which is not an exit price under FASB ASC Topic No. 820, “Fair Value Measurements and Disclosures”. The carrying value and fair value of loans include the allowance for loan losses.
FHLB stock — It is not practical to determine the fair value of FHLB stock due to restrictions placed on transferability.
Deposits — The fair value of deposits with no stated maturity, such as money market deposit accounts, checking accounts and savings accounts, is equal to the amount payable on demand. The fair value of certificates of deposit is based on the discounted value of contractual cash flows. The discount rate is equivalent to the rate currently offered by the Company for deposits of similar size, type and maturity.
Borrowings — The fair value of borrowings, which includes Federal Home Loan Bank of New York advances and securities sold under agreement to repurchase, is based on the discounted value of contractual cash flows. The discount rate is equivalent to the rate currently offered for borrowings of similar maturity and terms.
The Company’s unused loan commitments, standby letters of credit and undisbursed loans have no carrying amount and have been estimated to have no realizable fair value. Historically, a majority of the unused loan commitments have not been drawn upon.
The fair value estimates presented herein are based on pertinent information available to management as of March 31, 2014. Although management is not aware of any factors that would significantly affect the estimated fair value amounts, such amounts have not been comprehensively revalued for purposes of these financial statements since that date and, therefore, current estimates of fair value may differ significantly from the amounts presented herein.

Other_Real_Estate_Owned

Other Real Estate Owned	3 Months Ended
Other Real Estate Owned	Mar. 31, 2014
Other Real Estate Owned	'
	NOTE 6 – OTHER REAL ESTATE OWNED
	At March 31, 2014, other real estate owned (OREO) totaled $6.5 million and consisted of fifteen residential properties and eleven commercial properties. At December 31, 2013, OREO totaled $7.4 million and consisted of twenty-three residential properties and eleven commercial properties.
	For the three months ended March 31, 2014, the Company sold nine residential OREO properties properties with an aggregate carrying value totaling $885,000 . The Company recorded net losses on the sale of OREO of $8,000 in the first quarter of 2014 compared to net gains of $21,000 recorded in the first quarter of 2013. During the current quarter, the Company added one residential property to OREO with an aggregate carrying value of $56,000.
	Net expenses applicable to OREO were $246,000 for the three month period ending March 31, 2014, which included OREO valuation write-downs of $90,000, taxes and insurance totaling $82,000, net losses on the sale of OREO of $8,000, and $66,000 of miscellaneous expenses, net of OREO rental income. For the three months ended March 31, 2013, net expenses applicable to OREO of $286,000 included OREO valuation write-downs totaling $162,000, taxes and insurance totaling $85,000, net gains on the sale of OREO of $21,000 , and $60,000 of miscellaneous expenses, net of rental income.
	As of the date of this filing, the Company has agreements of sale for six OREO properties with an aggregate carrying value totaling $1.7 million, although there can be no assurance that these sales will be completed. In the second quarter of 2014, to date, the Company has sold four residential OREO properties, including two building lots, with an aggregate carrying value of $824,000. In addition, in the second quarter of 2014, the Company has sold one commercial OREO property with a carrying value of $168,000. The Company recorded a net gain of $67,000 related to these second quarter 2014 sales.

Deposits

Deposits	3 Months Ended
Deposits	Mar. 31, 2014
Deposits	'
	NOTE 7 – DEPOSITS
	Deposits are as follows:
		March 31,		December 31,
		2014		2013
		(in thousands)
	Savings accounts	$	96,153	$	96,029
	Interest-bearing checking and money market deposits (1)		340,792		350,717
	Non-interest bearing checking		83,264		82,488
	Certificates of deposit of less than $100,000		281,779		113,123
	Certificates of deposit of $100,000 or more		—		156,065
	Total deposits	$	801,988	$	798,422



	(1)Includes municipal deposit accounts totaling $81.0 million, or 10.1% of total deposits at March 31, 2014 and $88.9 million, or 11.1% of total deposits at December 31, 2013.

Borrowings

Borrowings	3 Months Ended
Borrowings	Mar. 31, 2014
Borrowings	'



	NOTE 8 – BORROWINGS
	The Bank’s FHLB borrowings totaled $129.5 million and $134.0 million at March 31, 2014 and December 31, 2013, respectively, and repurchase agreements totaled $9.9 million for both periods.

Income_Taxes

Income Taxes	3 Months Ended
	Mar. 31, 2014
Income Taxes	'
	NOTE 9 – INCOME TAXES

	For the three months ended March 31, 2014, the Company recorded a net tax expense of $1.2 million compared to a net tax expense of $969,000 for the three months ended March 31, 2013.



		For more information about our income taxes, read Note 11, “Income Taxes,” in our 2013 Annual Report to Shareholders.

Stock_Benefit_Plan

Stock Benefit Plan	3 Months Ended
Stock Benefit Plan	Mar. 31, 2014
Stock Benefit Plan	'
	NOTE 10 – STOCK BENEFIT PLAN
	The Company has an Equity Incentive Plan under which incentive and non-qualified stock options, stock appreciation rights (SARs), and restricted stock awards (RSAs) may be granted periodically to certain employees and directors. Generally, stock options are granted with an exercise price equal to fair market value at the date of grant and expire in 10 years from the date of grant. Generally, stock options granted vest over a five-year period commencing on the first anniversary of the date of grant. Under the plan, 1,331,352 stock options are available to be issued. Forfeited options are returned to the plan and are available for issuance.
	During the first three months of 2014, there were no incentive stock options issued. During the first quarter of 2013, the Company issued 10,000 incentive stock options to certain employees at a grant price of $8.93 per share.

	Stock option activity for the three months ended March 31, 2014 and 2013 was as follows:



		For the three months ended March 31,
		2014										2013
		Number of Options				Weighted Average Exercise Price				Weighted Average Remaining Contractual Life		Number of Options				Weighted Average Exercise Price		Weighted Average Remaining Contractual Life
	Outstanding at January 1		710,960			$	7.64						711,290			$	7.54
	Granted		—			$	—						10,000			$	8.93
	Forfeited		(8,000	)		$	7.27						—			$	—
	Exercised		(2,000	)		$	8.43						(8,000	)		$	7.28
	Outstanding at March 31 (1)		700,960			$	7.71			6.6 years			713,290			$	7.66	7.4 years
	Exercisable at March 31		377,266			$	7.5			6.3 years			255,316			$	7.46	7.3 years

	Aggregate Intrinsic Value at March 31	$	1,319,400									$	433,600



	(1)Expected forfeitures are immaterial.

	The expected average risk-free rate is based on the U.S. Treasury yield curve on the day of grant. The expected average life represents the weighted average period of time that options granted are expected to be outstanding giving consideration to vesting schedules and expected option exercise activity. Expected volatility is based on historical volatilities of the Company’s common stock as well as the historical volatility of the stocks of the Company’s peer banks. The expected dividend yield is based on the expected dividend yield over the life of the option and the Company’s historical information. The following table presents the weighted average per share fair value of options granted during the periods presented, and the assumptions used based on the Black-Sholes option pricing methodology. There were no options granted in the first quarter of 2014.



			March 31,
	Assumption		2014				2013
	Expected average risk-free interest rate			-				1.2	%
	Expected average life (in years)			-				6.5
	Expected volatility			-				40.27	%
	Expected dividend yield			-				2.24	%
	Weighted average per share fair value		$	-			$	2.87




	Restricted stock activity for the three months ended March 31, 2014 and 2013 was as follows:



		For the three months ended March 31,
		2014								2013
		Restricted Common Shares				Weighted Average Fair Value at Grant Date				Restricted Common Shares				Weighted Average Fair Value at Grant Date
	Outstanding at January 1		7,425			$	8.44				4,950			$	7.68
	Granted		—			$	—				—			$	—
	Vested		—			$	—				—			$	—
	Forfeited		—			$	—				—			$	—
	Outstanding at March 31		7,425			$	8.44				4,950			$	7.68



	At March 31, 2014, unrecognized compensation costs on unvested stock options and restricted stock awards was $868,000 which will be amortized on a straight-line basis over the remaining vesting period. Stock-based compensation expense and related tax effects recognized in connection with unvested stock options and restricted stock awards for the three months ended March 31, 2014 and 2013 was as follows:



		For the three months ended March 31,
		2014				2013
		(in thousands)
	Compensation expense:
	Common stock options	$	111			$	121
Restricted common stock		6				3
Total compensation expense		117				124
Tax benefit		2				2
Net income effect	$	115			$	122



As of March 31, 2014, 917,450 options were issued and 583,212 options were available for issuance. As of March 31, 2014, based on the option agreements, there were 377,266 incentive stock options exercisable.

Earnings_per_Share

Earnings per Share	3 Months Ended
Earnings per Share	Mar. 31, 2014
Earnings per Share	'
	NOTE 11 – EARNINGS PER SHARE
	Basic earnings per common share is the net income (loss) divided by the weighted average number of common shares outstanding during the period. ESOP shares are not considered outstanding for this calculation unless earned. Diluted earnings per share includes the dilutive effect of additional potential common shares issuable under stock option and restricted stock awards, if any.

	As of March 31, 2014, options to purchase 700,960 shares were outstanding and dilutive, and accordingly, were included in determining diluted earnings per common share. In addition, 7,425 shares of restricted stock were outstanding and dilutive, and accordingly, were included in determining diluted earnings per common share. As of March 31, 2013, options to purchase 713,290 shares were outstanding and dilutive, and accordingly, were included in determining diluted earnings per common share. In addition, 4,950 shares of restricted stock were outstanding and dilutive, and accordingly were included in determining diluted earnings per common share. The following is the calculation of basic earnings per share for the three months ended March 31, 2014 and 2013.


		For the three months ended March 31,
		2014		2013
		(in thousands, except share data)
	Net income	$	2,028	$	1,515
	Weighted average shares outstanding		11,157,234		12,495,367
	Basic earnings per share	$	0.18	$	0.12
	Diluted weighted average shares outstanding		11,286,022		12,512,522
	Diluted basic earnings per share	$	0.18	$	0.12

Regulatory_Matters

Regulatory Matters	3 Months Ended
Regulatory Matters	Mar. 31, 2014
Regulatory Matters	'
	NOTE 12 – REGULATORY MATTERS
	As of March 31, 2014, the Bank was categorized as “Well-Capitalized” under the regulatory framework for prompt corrective action. To be categorized as “Well-Capitalized”, the Bank must maintain minimum total risk-based, Tier I risk-based, and Tier I leverage ratios. The Bank’s capital ratios at March 31, 2014 were as follows: Tier I risk based capital 13.16%; Total risk based capital 14.41%; Tier I leverage ratio 9.56%.

Other_Comprehensive_Income

Other Comprehensive Income	3 Months Ended
	Mar. 31, 2014
Other Comprehensive Income	'

	NOTE 13 – OTHER COMPREHENSIVE INCOME



	The following is a summary of the accumulated other comprehensive income (loss) balances, net of tax, for the three months ended March 31, 2014 and 2013:

		Balance at			Other			Amount			Amortization			Other			Balance at
		31-Dec-13			Comprehensive			Reclassified from			HTM			Comprehensive			31-Mar-14
					Income			Accumulated			Other			Income
					Before			Other			Comprehensive			Three Months Ended
					Reclassifications			Comprehensive			Income			31-Mar-14
								Income
		(in thousands)
	Net unrealized holding gain (loss) on securities available for sale, net of tax	$	(2,951	)	$	979		$	-		$	(19	)	$	960		$	(1,991	)

	Accumulated other comprehensive income (loss) net of tax	$	(2,951	)	$	979		$	-		$	(19	)	$	960		$	(1,991	)



	The following represents the reclassifications out of accumulated other comprehensive income for the three months ended March 31, 2014 and 2013:

		Balance at			Other			Amount			Amortization			Other			Balance at
		31-Dec-12			Comprehensive			Reclassified from			HTM			Comprehensive			31-Mar-13
					Income			Accumulated			Other			Income
					Before			Other			Comprehensive			Three Months Ended
					Reclassifications			Comprehensive			Income			31-Mar-13
								Income
		(in thousands)
	Net unrealized holding gain (loss) on securities available for sale, net of tax	$	(679	)	$	(433	)	$	(174	)	$	—		$	(607	)	$	(1,286	)

	Accumulated other comprehensive income (loss) net of tax	$	(679	)	$	(433	)	$	(174	)	$	—		$	(607	)	$	(1,286	)



		For the three months ended March 31,						Affected Line Item in Statements of Income
		2014			2013
		(in thousands)
	Unrealized gains (losses) on securities available for sale:
	Realized gain on securities sales	$	—		$	290		Gain (loss) on sale of investment securities, net
	Previously unrealized loss on AFS securities transferred to HTM		35			—		Previously unrealized gain or loss
	Income tax expense		(16	)		(116	)	Income taxes
	Total reclassifications net of tax	$	19		$	174

Summary_of_Significant_Account1

Summary of Significant Accounting Policies (Policies)	3 Months Ended
Summary of Significant Accounting Policies (Policies)	Mar. 31, 2014
Basis of Financial Statement Presentation	'
	Basis of Financial Statement Presentation: The accounting and reporting policies of the Bank conform to accounting principles generally accepted in the United States of America (“US GAAP” or “GAAP”).
	We have prepared the consolidated financial statements included herein pursuant to the rules and regulations of the Securities and Exchange Commission (“SEC”). We have condensed or omitted certain information and footnote disclosures normally included in consolidated financial statements prepared in accordance with GAAP pursuant to such rules and regulations. These financial statements should be read in conjunction with the financial statements and notes thereto included in our latest Annual Report on Form 10-K. The results of operations for the interim periods are not necessarily indicative of the results for the full year.
	The consolidated financial statements include the accounts of Cape Bancorp, Inc. and its subsidiaries, all of which are wholly-owned. Significant intercompany balances and transactions have been eliminated. Certain prior period amounts may have been reclassified to conform to current year presentations. The consolidated financial statements, as of and for the periods ended March 31, 2014 and 2013, have not been audited by the Company’s independent registered public accounting firm. In the opinion of management, all accounting entries and adjustments, including normal recurring accruals, necessary for a fair presentation of the financial position and the results of operations for the periods presented have been made. Events occurring subsequent to the date of the balance sheet have been evaluated for potential recognition or disclosure in the consolidated financial statements through the date of the filing of the consolidated financial statements with the SEC.
Use of Estimates	'
Use of Estimates	Use of Estimates: To prepare financial statements in conformity with GAAP, management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided, and actual results could differ. The allowance for loan losses, deferred taxes, evaluation of investment securities for other-than-temporary impairment and fair values of financial instruments are particularly subject to change.
Cash and Cash Equivalents	'
Cash and Cash Equivalents	Cash and Cash Equivalents: For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, overnight deposits, federal funds sold and interest-bearing bank balances. The Federal Reserve Bank required reserves of $739,000 as of March 31, 2014, and $732,000 as of December 31, 2013 are included in these balances.
Interest Bearing Time Deposits	'
Interest Bearing Time Deposits	Interest-Bearing Time Deposits: Interest-bearing time deposits are held to maturity, are carried at cost and have original maturities greater than three months.
Investment Securities	'
	Investment Securities: The Bank classifies investment securities as either available-for-sale (“AFS”) or held-to-maturity (“HTM”). Investment securities classified as AFS are carried at fair value with unrealized gains and losses excluded from earnings and reported in a separate component of equity, net of related income tax effects. Investment securities classified as HTM are carried at cost, adjusted for amortization of premium and accretion of discount over the term of the related investments, using the level yield method. Investment securities are classified as HTM when management has the positive intent and ability to hold them to maturity. In March 2014, the Bank reclassified a portion of the AFS securities as HTM, as these securities may be particularly susceptible to changes in fair value in the near term as a result of market volatility. Gains and losses on sales of investment securities are recognized upon realization utilizing the specific identification method.
	When the fair value of a debt security has declined below the amortized cost at the measurement date, if an entity intends to sell a security or is more likely than not to sell the security before the recovery of the security’s cost basis, the entity must recognize the other-than-temporary impairment (OTTI) in earnings. For a debt security with a fair value below the amortized cost at the measurement date where it is more likely than not that an entity will not sell the security before the recovery of its cost basis, but an entity does not expect to recover the entire cost basis of the security, the security is classified as OTTI. The related OTTI loss on the debt security will be recognized in earnings to the extent of the credit losses, with the remaining impairment loss recognized in accumulated other comprehensive income. In estimating OTTI losses, management considers: the length of time and extent that fair value of the security has been less than the cost of the security, the financial condition and near term prospects of the issuer, cash flow, stress testing analysis on securities, when applicable, and the Company’s ability and intent to hold the security for a period sufficient to allow for any anticipated recovery in fair value.
Loans Held for Sale ("HFS")	'
Loans Held for Sale ("HFS")	Loans Held for Sale (“HFS”): HFS consists of residential mortgage loans originated and intended for sale in the secondary market and, from time to time, certain loans transferred from the loan portfolio to HFS, all of which are carried at the lower of aggregate cost or fair market value. The fair value of residential mortgage loans is based on the price secondary markets are currently offering for similar loans using observable market data. The fair values of loans transferred from the loan portfolio to HFS are based on the amounts offered for these loans in currently pending sales transactions or as determined by outstanding commitments from investors. Write-downs on loans transferred to HFS are charged to the allowance for loan losses. Subsequent declines in fair value, if any, are charged to operating income and the HFS balance is reduced. Gains and losses on sales of loans are based on the difference between the selling price and the carrying value of the related loans sold. At March 31, 2014, there were no residential mortgages classified as HFS as the Bank exited the residential mortgage loan origination business effective December 31, 2013.
Loans and Allowance for Loan Losses	'
	Loans and Allowance for Loan Losses: Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at the amount of unpaid principal, net of unearned interest, deferred loan fees and costs, and reduced by an allowance for loan losses. Interest on loans is accrued and credited to operations based upon the principal amounts outstanding. Loan origination fees and certain direct origination costs are deferred and amortized over the life of the related loans as an adjustment to the yield on loans receivable in a manner which approximates the interest method. The allowance for loan losses is established through a provision for loan losses charged to operations. The allowance for loan losses is comprised of both loan pool valuation allowances and individual valuation allowances. Loans are charged against the allowance for loan losses when management believes that the collectability of the principal is unlikely.
	Recognition of interest income is discontinued when, in the opinion of management, the collectability of the loan becomes doubtful. A commercial loan is classified as non-accrual when the loan is 90 days or more delinquent, or when in the opinion of management, the collectability of such loan is in doubt. Consumer and residential loans are classified as non-accrual when the loan is 90 days or more delinquent with a loan to value ratio greater than 60 percent.
	All interest accrued, but not received, for loans placed on non-accrual, is reversed against interest income. Interest received on such loans is accounted for as a reduction of the principal balance until qualifying for return to accrual. Commercial loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Payments are generally applied to reduce the principal balance but, in certain situations, the application of payments may vary. Consumer and residential loans are returned to accrual status when their delinquency becomes less than 90 days and/or the loan to value ratio is less than 60 percent.
	The allowance for loan losses is maintained at an amount management deems appropriate to cover probable incurred losses. In determining the level to be maintained, management evaluates many factors including historical loss experience, the borrowers’ ability to repay and repayment performance, current economic trends, estimated collateral values, industry experience, industry loan concentrations, changes in loan policies and procedures, changes in loan volume, delinquency and troubled asset trends, loan management and personnel, internal and external loan review, total credit exposure of the individual or entity, and external factors including competition, legal, regulatory and seasonal factors. In the opinion of management, the allowance is appropriate to absorb probable loan losses. While management uses the best information available to make such evaluations, future adjustments to the allowance may be necessary. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Bank’s allowance for losses on loans. Such agencies may require the Bank to recognize additions to the allowance based on their judgment about information available to them at the time of their examination. Charge-offs to the allowance are made when the loan is transferred to other real estate owned or a determination of loss is made.
	A loan is impaired when, based on current information and events, it is probable that a creditor will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans are individually evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. Included in the Company’s loan portfolio are modified loans. Per the Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”), Topic 310-40, “Troubled Debt Restructurings by Creditors” (“FASB ASC 310-40”), a loan restructuring is one in which the creditor, for economic or legal reasons related to the debtor’s financial difficulties, grants a concession to the debtor that the creditor would not otherwise consider, such as providing for a below market interest rate and/or forgiving principal or previously accrued interest. This restructuring may stem from an agreement or may be imposed by law, and may involve a multiple note structure. Prior to the restructuring, if the loans which are modified as a troubled debt restructuring (“TDR”) are already classified as non-accrual, these loans may only be returned to performing (i.e. accrual status) after considering the borrower’s sustained repayment performance for a reasonable amount of time, generally six months. This sustained repayment performance may include the period of time just prior to the restructuring. At March 31, 2014, TDRs totaled $4.3 million, of which $3.4 million were accruing TDRs and $865,000 were non-accruing TDRs. This compares to $4.3 million of TDRs at December 31, 2013, of which $3.4 million were accruing TDRs and $881,000 were non-accruing TDRs. (See Note 4 – Loans Receivable).
	In determining an appropriate amount for the allowance, the Bank segments and evaluates the loan portfolio based on collateral. The following portfolio classes have been identified:
	Commercial Secured by Real Estate: Commercial real estate properties primarily include office and medical buildings, retail space, restaurants, multifamily and warehouse or flex space. Some properties are considered “mixed use” as they are a combination of building types, such as an apartment building that may also have retail space. Multifamily loans are expected to be repaid from the cash flow of the underlying property so the collective amount of rents must be sufficient to cover all operating expenses, property management and maintenance, taxes and debt service. Increases in vacancy rates, interest rates or other changes in general economic conditions can all have an impact on the borrower and their ability to repay the loan. Commercial real estate loans are generally considered to have a higher degree of credit risk than multifamily loans as they may be dependent on the ongoing success and operating viability of a fewer number of tenants who are occupying the property and who may have a greater degree of exposure to economic conditions.
	Commercial Term Loans: Commercial term loans are term loans to operating companies for business purposes. These loans are generally secured by real estate or business assets such as accounts receivable, inventory and equipment. These loans are typically repaid first by the cash flow generated by the borrower’s business operation. The primary risk characteristics are specific to the underlying business and its ability to generate sustainable profitability and resulting positive cash flow. Factors that may influence a business’s profitability include, but are not limited to, demand for its products or services, quality and depth of management, degree of competition, regulatory changes, and general economic conditions. Commercial term and lines of credit loans are generally secured by business assets; however, the ability of the Bank to foreclose and realize sufficient value from the assets is often highly uncertain.
	Construction: Construction loans are granted to experienced and reputable local builders and developers that have the capital and liquidity to carry a project to completion and stabilization. Construction loans are considered riskier than commercial financing on improved and established commercial real estate and loans for the purchase of existing residential properties. The risk of potential loss increases if the original cost estimates or time to complete are significantly off.
	Other Commercial: The Bank provides commercial lines of credit loans to operating companies for business purposes. The loans are generally secured by business assets such as accounts receivable, inventory and equipment. These loans are typically repaid first by the cash flow generated by the borrower’s business operation. The primary risk characteristics are specific to the underlying business and its ability to generate sustainable profitability and resulting positive cash flow. Factors that may influence a business’s profitability include, but are not limited to, demand for its products or services, quality and depth of management, degree of competition, regulatory changes, and general economic conditions. Commercial lines of credit loans are generally secured by business assets; however, the ability of the Bank to foreclose and realize sufficient value from the assets is often highly uncertain.
	Residential Mortgage: Effective December 31, 2013, the Bank exited the residential mortgage loan origination business. Prior to December 31, 2013, the Bank originated one-to-four family residential mortgage loans within or near its primary geographic market area. The mortgage loans are secured by first liens on the primary residence or investment property. Primary risk characteristics associated with residential mortgage loans typically involve major living or lifestyle changes to the borrower, including unemployment or other loss of income; unexpected significant expenses, such as for major medical issues or catastrophic events; divorce or death. In addition, residential mortgage loans that have adjustable rates could expose the borrower to higher debt service requirements in a rising interest rate environment. Further, real estate values could drop significantly and cause the value of the property to fall below the loan amount, creating additional potential exposure for the Bank.
	Home Equity & Lines of Credit: The Bank provides home equity loans and lines of credit in the form of amortizing home equity loans or revolving home equity lines of credit against one to four family residences within or near its primary geographic market. Primary risk characteristics associated with home equity lines of credit typically involve major living or lifestyle changes to the borrower, including unemployment or other loss of income; unexpected significant expenses, such as for major medical issues or catastrophic events; divorce or death. In addition, home equity lines of credit typically are made with variable or floating interest rates, such as the Prime Rate, which could expose the borrower to higher debt service requirements in a rising interest rate environment. Further, real estate values could drop significantly and cause the value of the property to fall below the loan amount, creating additional potential exposure for the Bank.
	Other Consumer: These are loans to individuals for household, family and other personal expenditures. This also represents all other loans that cannot be categorized in any of the previous mentioned loan segments.
Other Real Estate Owned ("OREO")	'
Other Real Estate Owned ("OREO")	Other Real Estate Owned (“OREO”): Real estate acquired as a result of foreclosure or by deed in lieu of foreclosure is classified as other real estate owned and is initially recorded at the estimated fair market value, less the estimated cost to sell, at the date of foreclosure, thereby establishing a new cost basis. If the fair value declines subsequent to foreclosure, an OREO write-down is recorded through expense and the OREO balance is lowered to reflect the current fair value. Operating costs after acquisition are expensed.
Premises and Equipment	'
Premises and Equipment	Premises and Equipment: Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Buildings and related components are depreciated using the straight-line method with useful lives ranging from 10 to 39 years. Furniture, fixtures and equipment are depreciated using the straight-line (or accelerated) method with useful lives ranging from 3 to 7 years.
Federal Home Loan Bank of New York ("FHLB") Stock	'
Federal Home Loan Bank of New York ("FHLB") Stock	Federal Home Loan Bank of New York (“FHLB”) Stock: The Bank is a member of the FHLB of New York. Members are required to own a certain amount of stock based on the level of borrowings and other factors. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Cash dividends are reported as income.
Goodwill and Other Intangible Assets	'
	Goodwill and Other Intangible Assets: Goodwill results from business acquisitions and represents the excess of the purchase price over the fair value of acquired tangible assets and liabilities and identifiable intangible assets. Goodwill is assessed at least annually for impairment and any such impairment will be recognized in the period identified. The annual goodwill assessment for 2014 will be performed in the fourth quarter. In the interim, the Company will continue to evaluate goodwill on a quarterly basis utilizing the methodology required for an annual goodwill assessment.
	Other intangible assets consist of core deposit and acquired customer relationship intangible assets arising from whole bank acquisitions. They are initially measured at fair value and then are amortized on an accelerated method over their estimated useful lives, which range from 5 to 13 years. Other intangible assets also include loan servicing rights which are amortized on the level yield method over the life of the loan. Other intangible assets are assessed at least annually for impairment and any such impairment will be recognized in the period identified.
Bank Owned Life Insurance ("BOLI")	'
Bank Owned Life Insurance ("BOLI")	Bank Owned Life Insurance (“BOLI”): The Bank has an investment in bank owned life insurance. BOLI involves the purchasing of life insurance by the Bank on a chosen group of employees and directors. The Bank is the owner and beneficiary of the policies and in accordance with FASB ASC Topic 325, “Investments in Insurance Contracts”, the amount recorded is the cash surrender value, which is the amount realizable.
Loan Commitments and Related Financial Instruments	'
Loan Commitments and Related Financial Instruments	Loan Commitments and Related Financial Instruments: Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded.
Defined Benefit Plan	'
	Defined Benefit Plan: The Bank participates in the Pentegra Defined Benefit Plan for Financial Institutions (The “Pentegra DB Plan”), a tax-qualified defined benefit pension plan. The Pentegra DB Plan’s Employer Identification Number is 13-5645888, and the Plan Number is 333. The Pentegra DB Plan operates as a multi-employer plan for accounting purposes and as a multiple-employer plan under the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code. There are no collective bargaining agreements in place that require contributions to the Pentegra DB Plan.
	The plan was amended to freeze participation to new employees commencing January 1, 2008. Employees who became eligible to participate prior to January 1, 2008, will continue to accrue a benefit under the plan. The Bank accrues pension costs as incurred. The plan was further amended to freeze benefits as of December 31, 2008 for all employees eligible to participate prior to January 1, 2008.
401(k) Plan	'
401(k) Plan	401(k) Plan: The Bank maintains a tax-qualified defined contribution plan for all salaried employees of Cape Bank who have satisfied the 401(k) Plan’s eligibility requirements. Effective January 1, 2012, the Bank eliminated the matching contribution formula and replaced it with a discretionary form of matching contribution.
Employee Stock Ownership Plan ("ESOP")	'
Employee Stock Ownership Plan ("ESOP")	Employee Stock Ownership Plan (“ESOP”): The cost of shares issued to the ESOP, but not yet earned is shown as a reduction of equity. Compensation expense is based on the market price of shares as they are committed to be released to participant accounts and the shares become outstanding for earnings per share computations. Dividends on allocated ESOP shares reduce retained earnings; dividends on unearned ESOP shares are used to reduce the annual ESOP debt service. As of March 31, 2014, 206,145 shares have been allocated to eligible participants in the Cape Bank Employee Stock Ownership Plan.
Stock Benefit Plan	'
Stock Benefit Plan	Stock Benefit Plan: The Company has an Equity Incentive Plan (the “Stock Benefit Plan”) under which incentive and non-qualified stock options, stock appreciation rights (SARs) and restricted stock awards (RSAs) may be granted periodically to certain employees and directors. The fair value of the restricted stock is the market value of the stock on the date of grant. Under the fair value method of accounting for stock options, the fair value is measured on the date of grant using the Black-Scholes option pricing model with market assumptions. This amount is amortized as salaries and employee benefits expense on a straight-line basis over the vesting period. Option pricing models require the use of highly subjective assumptions, including expected stock price volatility, which, if changed, can significantly affect fair value estimates.
Income Taxes	'
	Income Taxes: Income taxes are accounted for under the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases and operating loss and tax credit carryforwards. The principal types of accounts resulting in differences between assets and liabilities for financial statement and tax purposes are the allowance for loan losses, deferred compensation, deferred loan fees, charitable contributions, depreciation and OTTI charges. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. A valuation allowance is recorded against net deferred tax assets when management has concluded that it is not more likely than not that a portion or all will be realized. Management considers several factors in determining whether a portion, or all, of the valuation allowance should be reversed such as the level of historical taxable income, projections for future taxable income over the periods in which the deferred tax assets are deductible and tax planning strategies.
	Under FASB Interpretation No. 48, Accounting for Uncertainty in Income Taxes, included in FASB ASC Subtopic 740-10—Income Taxes—Overall, the Company recognizes the effect of income tax positions only if those positions are more likely than not of being sustained. Recognized income tax positions are measured at the largest amount that is greater than 50% likely of being realized. Changes in recognition or measurement are reflected in the period in which the change in judgment occurs.
	The Company records interest and penalties related to uncertain tax positions as non-interest expense.
Earnings Per Share	'
Earnings Per Share	Earnings Per Share: Basic earnings per common share is the net income divided by the weighted average number of common shares outstanding during the period. ESOP shares are not considered outstanding for this calculation unless earned. Diluted earnings per common share includes the dilutive effect of additional potential common shares issuable under stock option and restricted stock awards, if any.
Comprehensive Income (Loss)	'
Comprehensive Income (Loss)	Comprehensive Income (Loss): Comprehensive income (loss) includes net income as well as certain other items which result in a change to equity during the period. Other comprehensive income includes unrealized gains and losses on securities available-for-sale which are also recognized as separate components of equity. See the Consolidated Statement of Comprehensive Income.
Operating Segments	'
Operating Segments	Operating Segments: While the chief decision makers monitor the revenue streams of the various products and services, operations are managed and financial performance is evaluated on a Company-wide basis. Operating segments are aggregated into one as operating results for all segments are similar. Accordingly, all of the financial service operations are considered by management to be aggregated in one reportable operating segment.
Treasury Stock	'
	Treasury Stock: Stock held in the treasury by the Company is accounted for using the cost method, which treats stock held in treasury as a reduction to total stockholders’ equity. As shares of treasury stock are reissued to satisfy stock option exercises, the shares are issued using the average cost basis of the shares in the treasury at the time of issuance.
	On April 18, 2013, the Company announced that the Board of Directors authorized a stock repurchase plan under which the Company would repurchase up to 5%, or approximately 667,239 shares, of the Company’s issued and outstanding shares. The repurchase was completed on July 16, 2013. Furthermore, on July 19, 2013, the Company announced that the Board of Directors authorized a second repurchase program for the repurchase of up to 5%, or approximately 633,877 shares, of the Company’s issued and outstanding shares. The second repurchase plan was completed on October 3, 2013. The average repurchase price for both stock repurchase plans was $9.37 per share. On December 23, 2013, the Company announced that the Board of Directors authorized a third stock repurchase plan under which the Company would repurchase up to 5%, or approximately 602,989 shares, of the Company’s issued and outstanding shares. As of March 31, 2014, 179,800 shares were repurchased as part of the most recent stock repurchase plan.
Effect of Newly Issued Accounting Standards	'
Effect of Newly Issued Accounting Standards	Effect of Newly Issued Accounting Standards: In January 2014, the FASB issued ASU 2014-04 “Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.” The amendments in ASU 2014-04 are intended to reduce diversity in practice by clarifying when an in-substance repossession or foreclosure occurs, that is, when a creditor such as the Bank should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan should be derecognized and the real estate property recognized. Additionally, the amendments in ASU 2014-04 require interim and annual disclosure of both the amount of foreclosed residential real estate property held by a creditor and the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. For public entities, such as the Company, the amendments are effective for interim and annual reporting periods beginning after December 15, 2014. Early adoption in 2014 is permitted. ASU 2014-04 is not expected to have a material impact on the Company’s financial position, results of operations or disclosures.

Investment_Securities_Tables

Investment Securities (Tables)	3 Months Ended
Investment Securities (Tables)	Mar. 31, 2014
Amortized Cost, Gross Unrealized Gains or Losses and the Fair Value of the Company's Investment Securities Available For Sale	'

	In March 2014, the Bank reclassified a portion of the available-for-sale securities as held-to-maturity as these securities may be particularly susceptible to changes in fair value in the near term as a result of market volatility. The amortized cost, gross unrealized gains or losses and the fair value of the Bank’s investment securities available-for-sale and held-to-maturity at March 31, 2014 and December 31, 2013 are as follows:


			Amortized Cost			Gross Unrealized Gains				Gross Unrealized Losses				Fair Value
			(in thousands)
	31-Mar-14
	Investment securities available-for-sale
	Debt securities
	U.S. Government and agency obligations		$	47,965		$	14			$	(1,085	)		$	46,894
	Municipal bonds			5,781			97				(23	)			5,855
	Collateralized debt obligations			—			—				—				—
	Corporate bonds			16,113			79				(5	)			16,187
	Total debt securities		$	69,859		$	190			$	(1,113	)		$	68,936

	Equity securities
	CRA Qualified Investment Fund		$	5,000		$	—			$	(264	)		$	4,736
	Total equity securities		$	5,000		$	—			$	(264	)		$	4,736

	Mortgage-backed securities
	GNMA pass-through certificates		$	3,392		$	152			$	—			$	3,544
	FHLMC pass-through certificates			4,961			80				(120	)			4,921
	FNMA pass-through certificates			14,267			173				(367	)			14,073
	Collateralized mortgage obligations			60,317			115				(1,644	)			58,788
	Total mortgage-backed securities		$	82,937		$	520			$	(2,131	)		$	81,326
	Total securities available-for-sale		$	157,796		$	710			$	(3,508	)		$	154,998


	Investment securities held-to-maturity
	Debt securities
	U.S. Government and agency obligations		$	7,639		$	—			$	(434	)		$	7,205
	Municipal bonds			10,088			74				(160	)			10,002
	Total debt securities		$	17,727		$	74			$	(594	)		$	17,207
	Total securities held-to-maturity		$	17,727		$	74			$	(594	)		$	17,207

			Amortized Cost			Gross Unrealized Gains				Gross Unrealized Losses				Fair Value
			(in thousands)
	31-Dec-13
	Investment securities available-for-sale
	Debt securities
	U.S. Government and agency obligations		$	53,951		$	5			$	(2,350	)		$	51,606
	Municipal bonds			6,090			116				(28	)			6,178
	Collateralized debt obligations			—			—				—				—
	Corporate bonds			13,059			44				(24	)			13,079
	Total debt securities		$	73,100		$	165			$	(2,402	)		$	70,863

	Equity securities
	CRA Qualified Investment Fund		$	5,000		$	—			$	(300	)		$	4,700
	Total equity securities		$	5,000		$	—			$	(300	)		$	4,700

	Mortgage-backed securities
	GNMA pass-through certificates		$	3,424		$	130			$	—			$	3,554
	FHLMC pass-through certificates			5,101			78				(175	)			5,004
	FNMA pass-through certificates			14,596			163				(495	)			14,264
	Collateralized mortgage obligations			60,686			121				(2,026	)			58,781
	Total mortgage-backed securities		$	83,807		$	492			$	(2,696	)		$	81,603
	Total securities available-for-sale		$	161,907		$	657			$	(5,398	)		$	157,166


	Investment securities held-to-maturity
	Debt securities
	Municipal bonds		$	9,102		$	42			$	(238	)		$	8,906
	Total debt securities		$	9,102		$	42			$	(238	)		$	8,906
Total securities held-to-maturity		$	9,102		$	42			$	(238	)		$	8,906

Continuous Unrealized Loss Position	'
	The table below indicates the length of time individual securities have been in a continuous unrealized loss position at March 31, 2014:

			Less Than 12 Months							12 Months or Longer							Total
	Description of Securities		Fair Value			Unrealized Losses				Fair Value				Unrealized Losses			Fair Value		Unrealized Losses
										(in thousands)
	U.S. Government and agency obligations		$	46,563		$	(1,395	)		$	1,876			$	(124	)	$	48,439	$	(1,519	)
	Municipal bonds			7,328			(165	)			1,222				(18	)		8,550		(183	)
	Corporate bonds			3,038			(5	)			—				—			3,038		(5	)
	CRA Qualified Investment Fund			—			—				4,736				(264	)		4,736		(264	)
	Mortgage-backed securities			54,328			(1,887	)			5,282				(244	)		59,610		(2,131	)

	Total temporarily impaired investment securities		$	111,257		$	(3,452	)		$	13,116			$	(650	)	$	124,373	$	(4,102	)

	The table below indicates the length of time individual securities have been in a continuous unrealized loss position at December 31, 2013:


			Less Than 12 Months							12 Months or Longer							Total
	Description of Securities		Fair Value			Unrealized Losses				Fair Value				Unrealized Losses			Fair Value		Unrealized Losses
										(in thousands)
	U.S. Government and agency obligations		$	45,771		$	(2,184	)		$	1,834			$	(166	)	$	47,605	$	(2,350	)
	Municipal bonds			7,936			(244	)			1,220				(22	)		9,156		(266	)
	Corporate bonds			4,029			(24	)			—				—			4,029		(24	)
	CRA Qualified Investment Fund			—			—				4,700				(300	)		4,700		(300	)
	Mortgage-backed securities			59,729			(2,452	)			2,569				(244	)		62,298		(2,696	)

	Total temporarily impaired investment securities		$	117,465		$	(4,904	)		$	10,323			$	(732	)	$	127,788	$	(5,636	)

Amortized Cost and Fair Value of Debt Securities and Mortgage-Backed Securities Available For Sale by Contractual Maturities	'

	The amortized cost and fair value of debt securities and mortgage-backed securities available for sale at March 31, 2014, by contractual maturities, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.



		Available for Sale							Held to Maturity
		Amortized			Fair				Amortized				Fair
		Cost			Value				Cost				Value
		(in thousands)							(in thousands)
	Due within one year or less	$	3,891		$	3,909			$	—			$	—
	Due after one year but within five years		38,973			39,016				470				467
	Due after five years but within ten years		26,995			26,011				15,193				14,640
	Due after ten years		—			—				2,064				2,100
	Equity securities		5,000			4,736
	Mortgage-backed securities		82,937			81,326				—				—
	Total investment securities	$	157,796		$	154,998			$	17,727			$	17,207



Summary of the Cumulative Credit Related OTTI Charges Recognized As Components Of Earnings For CDO Securities	'

	The following table presents a summary of the cumulative credit related OTTI charges recognized as components of earnings for CDO securities still held by the Company at March 31, 2014 and March 31, 2013:



		For the three months ended March 31,
		2014			2013
	Beginning balance of cumulative credit losses on CDO securities	$	(14,501	)	$	(18,383	)
	Additional credit losses for which other than temporary impairment was previously		—			—
	recognized		—			—
	Sale of OTTI securities		14,501			—
	Credit loss recognized due to change to intent to sell		—			—
	Ending balance of cumulative credit losses on CDO securities	$	—		$	(18,383	)

Loans_Receivable_Tables

Loans Receivable (Tables)	3 Months Ended
Loans Receivable (Tables)	Mar. 31, 2014
Loans Receivable	'

	Loans receivable consist of the following:



		March 31,				December 31,
		2014				2013
		(in thousands)
	Commercial secured by real estate	$	423,563			$	422,829
	Commercial term loans		19,195				23,203
	Construction		14,823				10,852
	Other commercial		35,978				37,772
	Residential mortgage		245,653				250,698
	Home equity loans and lines of credit		42,613				43,468
	Other consumer loans		753				977
	Loans receivable, gross		782,578				789,799

	Less:
	Allowance for loan losses		9,736				9,330
	Deferred loan fees		289				342
	Loans receivable, net	$	772,553			$	780,127

Summary of Activity Related to Allowance for Loan Losses by Category	'

	During the first quarter of 2014, the Bank transferred $5.3 million of classified commercial loans to loans held for sale. The loans were written-down $1.8 million to the value of the collateral supporting the loans, as the Bank was pursuing the sale of these assets.

	The following table summarizes activity related to the allowance for loan losses by category for the three months ended March 31, 2014:

		At or for the three months ended March 31, 2014
		(in thousands)
		Commercial				Commercial				Construction				Other				Residential Mortgage				Home Equity & Lines of Credit				Other Consumer				Unallocated				Total
		Secured by				Term Loans								Commercial (1)
		Real Estate
	Balance at beginning of year	$	6,554			$	420			$	227			$	600			$	865			$	160			$	4			$	500			$	9,330
	Charge-offs		(178	)			—				—				—				—				(68	)			(15	)			—				(261	)
	Write-downs on loans transferred to HFS		—				(809	)			—				(965	)			—				—				—				—				(1,774	)
	Recoveries		220				—				—				—				—				—				9				—				229
	Provision for loan losses		424				822				(120	)			1,170				(121	)			30				7				—				2,212
	Balance at end of year	$	7,020			$	433			$	107			$	805			$	744			$	122			$	5			$	500			$	9,736

	Impairment evaluation
	Allowance for loan losses
	Individually evaluated	$	130			$	—			$	—			$	—			$	44			$	—			$	—			$	—			$	174
	Collectively evaluated		6,890				433				107				805				700				122				5				500				9,562
	Total allowance for loan losses	$	7,020			$	433			$	107			$	805			$	744			$	122			$	5			$	500			$	9,736
	Loans
	Individually evaluated	$	8,929			$	—			$	—			$	303			$	1,874			$	465			$	—			$	—			$	11,571
	Collectively evaluated		414,634				19,195				14,823				35,675				243,779				42,148				753				—				771,007
	Total loans	$	423,563			$	19,195			$	14,823			$	35,978			$	245,653			$	42,613			$	753			$	—			$	782,578

	-1	includes commercial lines of credit

	The following table summarizes activity related to the allowance for loan losses by category for the year ended December 31, 2013:

		At or for the Year ended December 31, 2013
		(in thousands)
		Commercial Secured by Real Estate				Commercial Term Loans				Construction				Other Commercial (1)				Residential Mortgage				Home Equity & Lines of Credit				Other Consumer				Unallocated				Total
	Balance at beginning of year	$	6,321			$	457			$	58			$	815			$	1,300			$	249			$	17			$	635			$	9,852
	Charge-offs		(2,085	)			—				—				(106	)			(205	)			(109	)			(40	)			—				(2,545	)
	Write-downs on loans transferred to HFS		(241	)			—				—				—				—				—				—				—				(241	)
	Recoveries		214				—				—				10				—				1				28				—				253
	Provision for loan losses		2,345				(37	)			169				(119	)			(230	)			19				(1	)			(135	)			2,011
	Balance at end of year	$	6,554			$	420			$	227			$	600			$	865			$	160			$	4			$	500			$	9,330

	Impairment evaluation
	Allowance for loan losses
	Individually evaluated	$	148			$	—			$	—			$	6			$	70			$	22			$	—			$	—			$	246
	Collectively evaluated		6,406				420				227				594				795				138				4				500				9,084
	Total allowance for loan losses	$	6,554			$	420			$	227			$	600			$	865			$	160			$	4			$	500			$	9,330
	Loans
	Individually evaluated	$	8,223			$	—			$	—			$	303			$	2,215			$	461			$	—			$	—			$	11,202
	Collectively evaluated		414,606				23,203				10,852				37,469				248,483				43,007				977				—				778,597
	Total loans	$	422,829			$	23,203			$	10,852			$	37,772			$	250,698			$	43,468			$	977			$	—			$	789,799



	-1	includes commercial lines of credit



	The following table summarizes activity related to the allowance for loan losses by category for the three months ended March 31, 2013:

		At or for the three months ended March 31, 2013
		(in thousands)
		Commercial Secured by Real Estate				Commercial Term Loans				Construction				Other Commercial (1)				Residential Mortgage				Home Equity & Lines of Credit				Other Consumer				Unallocated				Total
	Balance at beginning of year	$	6,321			$	457			$	58			$	815			$	1,300			$	249			$	17			$	635			$	9,852
Charge-offs		(435	)			—				—				—				(36	)			(24	)			(2	)			—				(497	)
Write-downs on loans transferred to HFS		—				—				—				—				—				—				—				—				—
Recoveries		15				—				—				2				—				1				11				—				29
Provision for loan losses		306				34				2				31				(51	)			(12	)			(13	)			—				297
Balance at end of year	$	6,207			$	491			$	60			$	848			$	1,213			$	214			$	13			$	635			$	9,681

Impairment evaluation
Allowance for loan losses
Individually evaluated	$	408			$	—			$	—			$	54			$	64			$	4			$	—			$	—			$	530
Collectively evaluated		5,799				491				60				794				1,149				210				13				635				9,151
Total allowance for loan losses	$	6,207			$	491			$	60			$	848			$	1,213			$	214			$	13			$	635			$	9,681
Loans
Individually evaluated	$	16,470			$	—			$	141			$	501			$	4,554			$	764			$	—			$	—			$	22,430
Collectively evaluated		373,649				20,618				1,761				33,341				234,593				42,922				1,247				—				708,131
Total loans	$	390,119			$	20,618			$	1,902			$	33,842			$	239,147			$	43,686			$	1,247			$	—			$	730,561



-1	includes commercial lines of credit
Summary of Impaired Loans	'

	Impaired loans at March 31, 2014 and December 31, 2013 were as follows:

		March 31,				December 31,
		2014				2013
		(in thousands)
	Non-accrual loans (1)	$	7,360			$	6,885
	Loans delinquent greater than 90 days and still accruing		390				458
	Troubled debt restructured loans		3,431				3,452
	Loans less than 90 days and still accruing		390				407
	Total impaired loans	$	11,571			$	11,202

	-1	Non-accrual loans in the table above include TDRs totaling $865,000 at March 31, 2014 and $881,000 at December 31, 2013. Total impaired loans do not include loans held for sale. Loans held for sale include $6.1 million and $1.6 million of loans that were on non-accrual status at March 31, 2014 and December 31, 2013, respectively.
Summary of Description Related to the Recognition of Impaired Loans	'



		For the three months ended March 31,
		2014				2013
		(in thousands)
	Average recorded investment of impaired loans	$	11,164			$	21,176
	Interest income recognized during impairment	$	60			$	96
	Cash basis interest income recognized	$	—			$	—

Summary of TDRs by Performing Status	'

	The following table provides a summary of TDRs by performing status:

			31-Mar-14												31-Dec-13
	Troubled Debt Restructurings		Non-accruing				Accruing				Total				Non-accruing				Accruing				Total
			(in thousands)												(in thousands)
	Commercial secured by real estate		$	673			$	2,380			$	3,053			$	688			$	2,392			$	3,080
	Residential mortgage			192				1,051				1,243				193				1,060				1,253
	Total TDRs		$	865			$	3,431			$	4,296			$	881			$	3,452			$	4,333



Troubled Debt Restructurings Information	'



	The following table presents new TDRs for the three months ended March 31, 2014 and 2013:



			For the three months ended March 31, 2014												For the three months ended March 31, 2013
	Troubled Debt Restructurings		Number of Contracts				Pre-Modification Recorded Investment				Post-Modification Recorded Investment				Number of Contracts				Pre-Modification Recorded Investment				Post-Modification Recorded Investment
			(dollars in thousands)
	Commercial secured by real estate			1			$	2,178			$	2,170				3			$	2,371			$	2,359
	Residential mortgage			—				—				—				1				215				212
	Total TDRs			1			$	2,178			$	2,170				4			$	2,586			$	2,571



Summary of Class of Loans, Information Regarding the Types of Concessions Granted on Accruing and Non-Accruing Loans that were Restructured	'

	The following tables present, by class of loans, information regarding the types of concessions granted on accruing and non-accruing loans that were restructured during the three months ended March 31, 2014 and during the year ended December 31, 2013:



			For the three months ended March 31, 2014
			(dollars in thousands)
			Reductions in								Reductions in								Maturity Date								Maturity Date								Deferral of Principal Amount				Total
			Interest Rate and								Interest Rate and Principal Amount																Extension and Interest								Due and				Concessions
			Maturity Date																Extension								Rate Reduction								Shortened Maturity Date				Granted
			No. of Loans				Amount				No. of Loans				Amount				No. of Loans				Amount				No. of Loans				Amount				No. of Loans		Amount		No. of Loans		Amount
	Accruing TDRs:
	Commercial secured by real estate			—			$	—				—			$	—				—			$	—				1			$	2,178				—	$	—		1	$	2,178
	Residential mortgage			—				—				—				—				—				—				—				—				—		—		—		—
	Total accruing TDRs			—			$	—				—			$	—				—			$	—				1			$	2,178				—	$	—		1	$	2,178

	Non-accruing TDRs:
	Commercial secured by real estate			—			$	—				—			$	—				—			$	—				—			$	—				—	$	—		—	$	—
	Residential mortgage			—				—				—				—				—				—				—				—				—		—		—		—
	Total non-accruing TDRs			—			$	—				—			$	—				—			$	—				—			$	—				—	$	—		—	$	—

	Total TDRs:
	Commercial secured by real estate			—			$	—				—			$	—				—			$	—				1			$	2,178				—	$	—		1	$	2,178
	Residential mortgage			—				—				—				—				—				—				—				—				—		—		—		—
	Total TDRs			—			$	—				—			$	—				—			$	—				1			$	2,178				—	$	—		1	$	2,178


			Year ended December 31, 2013
			(dollars in thousands)
			Reductions in								Reductions in								Maturity Date								Maturity Date								Deferral of Principal Amount				Total
											Interest Rate and Principal								Extension																Due and				Concessions
			Interest Rate and								Amount																Extension and Interest								Shortened Maturity Date				Granted

			Maturity Date																								Rate Reduction
			No. of Loans				Amount				No. of Loans				Amount				No. of Loans				Amount				No. of Loans				Amount				No. of Loans		Amount		No. of Loans		Amount
	Accruing TDRs:
	Commercial secured by real estate			—			$	—				—			$	—				1			$	54				1			$	2,194				—	$	—		2	$	2,248
	Residential mortgage			—				—				—				—				2				805				1				212				—		—		3		1,017
	Total accruing TDRs			—			$	—				—			$	—				3			$	859				2			$	2,406				—	$	—		5	$	3,265

	Non-accruing TDRs:
	Commercial secured by real estate			—			$	—				—			$	—				1			$	111				—			$	—				—	$	—		1	$	111
	Residential mortgage			—				—				—				—				—				—				—				—				—		—		—		—
	Total non-accruing TDRs			—			$	—				—			$	—				1			$	111				—			$	—				—	$	—		1	$	111

	Total TDRs:
	Commercial secured by real estate			—			$	—				—			$	—				2			$	165				1			$	2,194				—	$	—		3	$	2,359
	Residential mortgage			—				—				—				—				2				805				1				212				—		—		3		1,017
	Total TDRs			—			$	—				—			$	—				4			$	970				2			$	2,406				—	$	—		6	$	3,376

Summary of TDRs Subsequently Defaulted	'

	The following table presents TDRs that defaulted within the quarters ended March 31, 2014 and 2013, where the loan had been modified within twelve months:



			For the three months ended March 31, 2014								For the three months ended March 31, 2013
	Troubled Debt Restructurings That Subsequently Defaulted		Number of Contracts				Recorded Investment				Number of Contracts				Recorded Investment
			(dollars in thousands)
	Commercial secured by real estate			—			$	—				1			$	111
	Residential mortgage			—				—				—				—
	Total			—			$	—				1			$	111



Summary of Impaired Loans with and with No Related Allowance	'

	The following table presents impaired loans at March 31, 2014:



	March 31, 2014 (1)		Recorded Investment (2)				Unpaid				Related Allowance				Average Recorded Investment				Interest Income Recognized
	March 31, 2014 (1)		Recorded Investment (2)				Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized
			(in thousands)
	Impaired loans with a related allowance
	Commercial secured by real estate		$	2,269			$	2,269			$	130			$	2,270			$	30
	Commercial term loans			—				—				—				—				—
	Construction			—				—				—				—				—
	Other commercial			—				—				—				—				—
	Residential mortgage			359				359				44				360				3
	Home equity loans and lines of credit			—				—				—				—				—
	Other consumer loans			—				—				—				—				—
	Impaired loans with a related allowance		$	2,628			$	2,628			$	174			$	2,630			$	33

	Impaired loans with no related allowance
	Commercial secured by real estate		$	6,660			$	8,145			$	—			$	6,243			$	10
	Commercial term loans			—				—				—				—				—
	Construction			—				—				—				—				—
	Other commercial			303				376				—				303				—
	Residential mortgage			1,515				1,653				—				1,515				16
	Home equity loans and lines of credit			465				550				—				473				1
	Other consumer loans			—				—				—				—				—
	Impaired loans with no related allowance		$	8,943			$	10,724			$	—			$	8,534			$	27

	Total impaired loans
	Commercial secured by real estate		$	8,929			$	10,414			$	130			$	8,513			$	40
	Commercial term loans			—				—				—				—				—
	Construction			—				—				—				—				—
	Other commercial			303				376				—				303				—
	Residential mortgage			1,874				2,012				44				1,875				19
	Home equity loans and lines of credit			465				550				—				473				1
	Other consumer loans			—				—				—				—				—
	Total impaired loans		$	11,571			$	13,352			$	174			$	11,164			$	60

	-1	excludes HFS non-accruing loans of $6.1 million.
	-2	the difference between the recorded investment and unpaid principal balance primarily results from partial charge-offs.

	The following table presents impaired loans at December 31, 2013:


	December 31, 2013 (1)		Recorded Investment (2)				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized
			(in thousands)
	Impaired loans with a related allowance
	Commercial secured by real estate		$	2,773			$	3,234			$	148			$	2,901			$	116
	Commercial term loans			—				—				—				—				—
	Construction			—				—				—				—				—
	Other commercial			60				70				6				60				—
	Residential mortgage			618				689				70				660				8
	Home equity loans and lines of credit			220				232				22				223				—
	Other consumer loans			—				—				—				—				—
	Impaired loans with a related allowance		$	3,671			$	4,225			$	246			$	3,844			$	124

	Impaired loans with no related allowance
	Commercial secured by real estate		$	5,450			$	7,203			$	—			$	3,738			$	88
	Commercial term loans			—				—				—				—				—
	Construction			—				—				—				—				—
	Other commercial			243				306				—				246				—
	Residential mortgage			1,597				1,675				—				1,536				69
	Home equity loans and lines of credit			241				242				—				157				9
Other consumer loans			—				—				—				—				—
Impaired loans with no related allowance		$	7,531			$	9,426			$	—			$	5,677			$	166

Total impaired loans
Commercial secured by real estate		$	8,223			$	10,437			$	148			$	6,639			$	204
Commercial term loans			—				—				—				—				—
Construction			—				—				—				—				—
Other commercial			303				376				6				306				—
Residential mortgage			2,215				2,364				70				2,196				77
Home equity loans and lines of credit			461				474				22				380				9
Other consumer loans			—				—				—				—				—
Total impaired loans		$	11,202			$	13,651			$	246			$	9,521			$	290



-1	excludes HFS non-accruing loans of $1.6 million.
-2	the difference between the recorded investment and unpaid principal balance primarily results from partial charge-offs.
Summary of Loans by Past Due	'

	The following table presents loans by past due status at March 31, 2014:


	31-Mar-14		30-59 Days Delinquent				60-89 Days Delinquent				90 Days				Total				Non-				Current				Total
											or More				Delinquent				accrual (1)								Loans
											Delinquent				and Accruing
											and Accruing
			(in thousands)
	Commercial secured by real estate		$	1,111			$	50			$	—			$	1,161			$	6,159			$	416,243			$	423,563
	Commercial term loans			—				—				—				—				—				19,195				19,195
	Construction			—				—				—				—				—				14,823				14,823
	Other commercial			—				—				—				—				303				35,675				35,978
	Residential mortgage			932				454				316				1,702				507				243,444				245,653
	Home equity loans and lines of credit			97				99				74				270				391				41,952				42,613
	Other consumer loans			—				—				—				—				—				753				753
	Total		$	2,140			$	603			$	390			$	3,133			$	7,360			$	772,085			$	782,578



	-1	excludes $6.1 million of loans held for sale.

	The following table presents loans by past due status at December 31, 2013:



	31-Dec-13		30-59 Days Delinquent				60-89 Days Delinquent				90 Days				Total				Non-				Current				Total
															Delinquent				accrual (1)								Loans
											or More Delinquent				and Accruing

											and Accruing
			(in thousands)
	Commercial secured by real estate		$	—			$	1,272			$	—			$	1,272			$	5,425			$	416,132			$	422,829
	Commercial term loans			—				—				—				—				—				23,203				23,203
	Construction			—				—				—				—				—				10,852				10,852
	Other commercial			—				—				—				—				303				37,469				37,772
	Residential mortgage			504				589				347				1,440				807				248,451				250,698
	Home equity loans and lines of credit			392				192				111				695				350				42,423				43,468
	Other consumer loans			—				7				—				7				—				970				977
	Total		$	896			$	2,060			$	458			$	3,414			$	6,885			$	779,500			$	789,799



	-1	excludes $1.6 million of loans held for sale.
Commercial Loans by Credit Quality Indicator	'

	The following tables present commercial loans by credit quality indicator:


			Risk Ratings
	31-Mar-14		Grades 1-5				Grade 6				Grade 7				Grade 8				Grade 9				Grade 10				Non-accrual				Total
			(in thousands)
	Commercial secured by real estate		$	407,092			$	5,657			$	828			$	1,057			$	2,770			$	—			$	6,159			$	423,563
	Commercial term loans			19,195				—				—				—				—				—				—				19,195
	Construction			14,823				—				—				—				—				—				—				14,823
	Other commercial			35,675				—				—				—				—				—				303				35,978
			$	476,785			$	5,657			$	828			$	1,057			$	2,770			$	—			$	6,462			$	493,559

			Risk Ratings
	31-Dec-13		Grades 1-5				Grade 6				Grade 7				Grade 8				Grade 9				Grade 10				Non-accrual				Total
			(in thousands)
	Commercial secured by real estate		$	397,398			$	10,669			$	4,729			$	1,809			$	2,799			$	—			$	5,425			$	422,829
	Commercial term loans			20,899				—				2,304				—				—				—				—				23,203
	Construction			10,852				—				—				—				—				—				—				10,852
	Other commercial			35,859				510				1,100				—				—				—				303				37,772
			$	465,008			$	11,179			$	8,133			$	1,809			$	2,799			$	—			$	5,728			$	494,656

Fair_Value_Tables

Fair Value (Tables)	3 Months Ended
Fair Value (Tables)	Mar. 31, 2014
Assets and Liabilities Measured at Fair Value on Recurring Basis	'

	Assets and liabilities measured at fair value on a recurring basis are summarized below:


		Fair Value Measurements							Fair Value Measurements at
		at March 31, 2014							31-Dec-13
		Quoted		Significant Other Observable Inputs			Significant Other Observable Inputs		Quoted		Significant Other Observable Inputs		Significant Other Observable Inputs
		Prices in		(Level 2)			(Level 3)		Prices in		(Level 2)		(Level 3)
		Active							Active
		Markets							Markets
		for							for
		Identical							Identical
		Assets							Assets
		(Level 1)							(Level 1)
		(in thousands)							(in thousands)
	Investment securities available for sale:
	U.S. Government and agency obligations	$	—	$	46,894		$	—	$	—	$	51,606	$	—
	Municipal bonds		—		5,855			—		—		6,178		—
	Corporate bonds		—		16,187			—		—		13,079		—
	CRA Qualified Investment Fund		4,736		—			—		4,700		—		—
	Mortgage-backed securities		—		81,326			—		—		81,603		—
	Total securities available for sale	$	4,736	$	150,262		$	—	$	4,700	$	152,466	$	—

Reconciliation and Income Statement Classification of Gains and Losses for Assets Measured at Fair Value on Recurring Basis Using Significant Unobservable Inputs (Level 3)	'

	The table below presents a reconciliation and income statement classification of gains and losses for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the three months ended March 31, 2014 and 2013:


		Fair Value Measurements Using Significant Unobservable Inputs
		(Level 3)
		CDO Securities Available for Sale
		Three months ended March 31,
		2014		2013
		(in thousands)
	Beginning balance	$	—	$	4,682
	Accretion of discount		—		8
	Payments received		—		—
	Reduction in Accumulated OTTI on sale		—		—
	Realized gain (loss) on sale/redemption		—		—
	Unrealized holding gain (loss)		—		(203	)
	Other-than-temporary impairment included in earnings		—		—
	Ending balance	$	—	$	4,487

Assets and Liabilities Measured at Fair Value on Non-Recurring Basis	'

	Assets and liabilities measured at fair value on a non-recurring basis are summarized below:



		Fair Value Measurements at March 31, 2014							Fair Value Measurements at December 31, 2013
		Quoted Prices in Active Markets for Identical Assets		Significant Other Observable Inputs			Significant Other Unobservable Inputs		Quoted Prices in Active Markets for Identical Assets		Significant Other Observable Inputs		Significant Other Unobservable Inputs
		(Level 1)		(Level 2)			(Level 3)		(Level 1)		(Level 2)		(Level 3)
		(in thousands)							(in thousands)
	Assets:
	Impaired loans (1):
	Commercial secured by real estate	$	—	$	—		$	1,978	$	—	$	—	$	2,255
	Commercial term loans		—		—			—		—		—		—
	Construction		—		—			—		—		—		—
	Other commercial		—		—			303		—		—		297
	Residential mortgage		—		—			561		—		—		766
	Home equity loans		—		—			260		—		—		198
	Total impaired loans	$	—	$	—		$	3,102	$	—	$	—	$	3,516
	Other real estate owned:
	Commercial	$	—	$	1,497		$	3,358	$	—	$	4,893	$	—
	Residential mortgage		—		824			851		—		2,556		—
	Total other real estate owned	$	—	$	2,321		$	4,209	$	—	$	7,449	$	—
	Loans held for sale	$	—	$	6,148		$	—	$	—	$	1,814	$	—
	Assets held for sale	$	—	$	10		$	—	$	—	$	10	$	—
	-1	Includes non-accrual loans, loans delinquent greater than 90 days and still accruing, loans less than 90 days delinquent and still accruing and troubled debt restructured loans.
Market Assumptions and/or Estimation Methodologies Which have Material Affect on Estimated Fair Value Amounts	'

	The following disclosure of estimated fair value amounts has been determined by the Bank using available market information and appropriate valuation methodologies. However, considerable judgment is necessarily required to interpret market data to develop the estimates of fair value. Accordingly, the estimates presented herein are not necessarily indicative of the amounts the Company could realize in a current market exchange. The use of different market assumptions and/or estimation methodologies may have a material effect on the estimated fair value amounts.



		At March 31, 2014
				Fair Value Measurements
				Quoted Prices
				in Active			Significant		Significant
				Markets			Other		Other
				for Identical			Observable		Unobservable
		Carrying		Assets			Inputs		Inputs
		Amount		(Level 1)			(Level 2)		(Level 3)
		(in thousands)
	Assets
	Cash and cash equivalents	$	20,879	$	6,198		$	14,681	$	—
	Interest-bearing time deposits	$	9,392	$	—		$	9,392	$	—
	Loans held for sale	$	6,148	$	—		$	6,148	$	—
	Loans receivable	$	772,553	$	—		$	—	$	779,479
	FHLB Stock	$	7,536	n/a			n/a		n/a
	Accrued interest receivable	$	3,369	$	—		$	622	$	2,747

	Liabilities
	Savings deposits	$	96,153	$	—		$	96,153	$	—
	Checking and money market deposits	$	424,056	$	83,264		$	340,792	$	—
	Certificates of deposit	$	281,779	$	—		$	282,678	$	—
	Borrowings	$	139,481	$	—		$	146,422	$	—
	Accrued interest payable	$	114	$	—		$	114	$	—


		At December 31, 2013
				Fair Value Measurements
				Quoted Prices
				in Active			Significant		Significant
				Markets			Other		Other
				for Identical			Observable		Unobservable
		Carrying		Assets			Inputs		Inputs
		Amount		(Level 1)			(Level 2)		(Level 3)
		(in thousands)
	Assets
	Cash and cash equivalents	$	24,861	$	6,940		$	17,921	$	—
	Interest-bearing time deposits	$	9,185	$	—		$	9,185	$	—
	Loans held for sale	$	1,814	$	—		$	1,814	$	—
	Loans receivable	$	780,127	$	—		$	—	$	791,262
	FHLB Stock	$	7,747	n/a			n/a		n/a
	Accrued interest receivable	$	3,235	$	—		$	615	$	2,620

	Liabilities
	Savings deposits	$	96,029	$	—		$	96,029	$	—
	Checking and money market deposits	$	433,205	$	82,488		$	350,717	$	—
	Certificates of deposit	$	269,188	$	—		$	270,371	$	—
	Borrowings	$	143,935	$	—		$	151,287	$	—
	Accrued interest payable	$	102	$	—		$	102	$	—

Deposits_Tables

Deposits (Tables)	3 Months Ended
Deposits (Tables)	Mar. 31, 2014
Summary of Deposits	'
	Deposits are as follows:
		March 31,		December 31,
		2014		2013
		(in thousands)
	Savings accounts	$	96,153	$	96,029
	Interest-bearing checking and money market deposits (1)		340,792		350,717
	Non-interest bearing checking		83,264		82,488
	Certificates of deposit of less than $100,000		281,779		113,123
	Certificates of deposit of $100,000 or more		—		156,065
	Total deposits	$	801,988	$	798,422



	(1)Includes municipal deposit accounts totaling $81.0 million, or 10.1% of total deposits at March 31, 2014 and $88.9 million, or 11.1% of total deposits at December 31, 2013.

Stock_Benefit_Plan_Tables

Stock Benefit Plan (Tables)	3 Months Ended
Stock Benefit Plan (Tables)	Mar. 31, 2014
Stock Option Activity	'

	Stock option activity for the three months ended March 31, 2014 and 2013 was as follows:



		For the three months ended March 31,
		2014									2013
		Number of Options			Weighted Average Exercise Price				Weighted Average Remaining Contractual Life		Number of Options				Weighted Average Exercise Price		Weighted Average Remaining Contractual Life
	Outstanding at January 1		710,960		$	7.64						711,290			$	7.54
	Granted		—		$	—						10,000			$	8.93
	Forfeited		(8,000	)	$	7.27						—			$	—
	Exercised		(2,000	)	$	8.43						(8,000	)		$	7.28
	Outstanding at March 31 (1)		700,960		$	7.71			6.6 years			713,290			$	7.66	7.4 years
	Exercisable at March 31		377,266		$	7.5			6.3 years			255,316			$	7.46	7.3 years

	Aggregate Intrinsic Value at March 31	$	1,319,400								$	433,600



Assumption Used for Share Based Compensation	'

	The following table presents the weighted average per share fair value of options granted during the periods presented, and the assumptions used based on the Black-Sholes option pricing methodology. There were no options granted in the first quarter of 2014.

			March 31,
	Assumption		2014			2013
	Expected average risk-free interest rate			-			1.2	%
	Expected average life (in years)			-			6.5
	Expected volatility			-			40.27	%
	Expected dividend yield			-			2.24	%
	Weighted average per share fair value		$	-		$	2.87

Restricted Stock Activity	'

	Restricted stock activity for the three months ended March 31, 2014 and 2013 was as follows:



		For the three months ended March 31,
		2014							2013
		Restricted Common Shares			Weighted Average Fair Value at Grant Date				Restricted Common Shares				Weighted Average Fair Value at Grant Date
	Outstanding at January 1		7,425		$	8.44				4,950			$	7.68
	Granted		—		$	—				—			$	—
	Vested		—		$	—				—			$	—
	Forfeited		—		$	—				—			$	—
	Outstanding at March 31		7,425		$	8.44				4,950			$	7.68



Recognized Stock Based Compensation Expense and Related Tax Effects	'

	Stock-based compensation expense and related tax effects recognized in connection with unvested stock options and restricted stock awards for the three months ended March 31, 2014 and 2013 was as follows:

		For the three months ended March 31,
		2014			2013
		(in thousands)
	Compensation expense:
	Common stock options	$	111		$	121
	Restricted common stock		6			3
	Total compensation expense		117			124
	Tax benefit		2			2
	Net income effect	$	115		$	122

Earnings_per_Share_Tables

Earnings per Share (Tables)	3 Months Ended
Earnings per Share (Tables)	Mar. 31, 2014
Calculation of Basic Earnings per Share	'

	As of March 31, 2014, options to purchase 700,960 shares were outstanding and dilutive, and accordingly, were included in determining diluted earnings per common share. In addition, 7,425 shares of restricted stock were outstanding and dilutive, and accordingly, were included in determining diluted earnings per common share. As of March 31, 2013, options to purchase 713,290 shares were outstanding and dilutive, and accordingly, were included in determining diluted earnings per common share. In addition, 4,950 shares of restricted stock were outstanding and dilutive, and accordingly were included in determining diluted earnings per common share. The following is the calculation of basic earnings per share for the three months ended March 31, 2014 and 2013.


		For the three months ended March 31,
		2014		2013
		(in thousands, except share data)
	Net income	$	2,028	$	1,515
	Weighted average shares outstanding		11,157,234		12,495,367
	Basic earnings per share	$	0.18	$	0.12
	Diluted weighted average shares outstanding		11,286,022		12,512,522
	Diluted basic earnings per share	$	0.18	$	0.12

Other_Comprehensive_Income_Tab

Other Comprehensive Income (Tables)	3 Months Ended
Other Comprehensive Income (Tables)	Mar. 31, 2014
Summary of the accumulated other comprehensive income (loss)	'

	The following is a summary of the accumulated other comprehensive income (loss) balances, net of tax, for the three months ended March 31, 2014 and 2013:

		Balance at			Other			Amount			Amortization			Other			Balance at
		31-Dec-13			Comprehensive			Reclassified from			HTM			Comprehensive			31-Mar-14
					Income			Accumulated			Other			Income
					Before			Other			Comprehensive			Three Months Ended
					Reclassifications			Comprehensive			Income			31-Mar-14
								Income
		(in thousands)
	Net unrealized holding gain (loss) on securities available for sale, net of tax	$	(2,951	)	$	979		$	-		$	(19	)	$	960		$	(1,991	)

	Accumulated other comprehensive income (loss) net of tax	$	(2,951	)	$	979		$	-		$	(19	)	$	960		$	(1,991	)

		Balance at			Other			Amount			Amortization			Other			Balance at
		31-Dec-12			Comprehensive			Reclassified from			HTM			Comprehensive			31-Mar-13
					Income			Accumulated			Other			Income
					Before			Other			Comprehensive			Three Months Ended
					Reclassifications			Comprehensive			Income			31-Mar-13
								Income
		(in thousands)
	Net unrealized holding gain (loss) on securities available for sale, net of tax	$	(679	)	$	(433	)	$	(174	)	$	—		$	(607	)	$	(1,286	)

	Accumulated other comprehensive income (loss) net of tax	$	(679	)	$	(433	)	$	(174	)	$	—		$	(607	)	$	(1,286	)

Reclassification out of Accumulated Other Comprehensive Income	'

	The following represents the reclassifications out of accumulated other comprehensive income for the three months ended March 31, 2014 and 2013:


		For the three months ended March 31,						Affected Line Item in Statements of Income
		2014			2013
		(in thousands)
	Unrealized gains (losses) on securities available for sale:
	Realized gain on securities sales	$	—		$	290		Gain (loss) on sale of investment securities, net
	Previously unrealized loss on AFS securities transferred to HTM		35			—		Previously unrealized gain or loss
	Income tax expense		(16	)		(116	)	Income taxes
	Total reclassifications net of tax	$	19		$	174

Organization_Details_Textual

Organization (Details Textual)	3 Months Ended
	Mar. 31, 2014
	Branch
	Entity
Organization (Textual) [Abstract]	'
Entity Incorporation date	14-Sep-07
Number of full service branch offices	14
Number of Branch Transit from Full service to drive-up teller/ATM operation	1
Number of market development offices	2

Summary_of_Significant_Account2

Summary of Significant Accounting Policies (Details Textual) (USD $)	3 Months Ended
	Mar. 31, 2014	Dec. 31, 2013	Dec. 23, 2013	Jul. 19, 2013	Jul. 16, 2013
	Segment	Dec. 31, 2013	Dec. 23, 2013	Jul. 19, 2013	Jul. 16, 2013
Summary of Significant Accounting Policies (Additional Textual) [Abstract]	'	'	'	'	'
Federal Reserve Bank, reserves requirement	$739,000	$732,000	'	'	'
Shares allocation under Cape Bank Employee Stock Ownership Plan	206,145	'	'	'	'
Number of operating segments	1	'	'	'	'
Interest bearing deposits maturity period	'3 months	'	'	'	'
Summary of Significant Accounting Policies (Textual) [Abstract]	'	'	'	'	'
TDRs totaled	4,300,000	4,300,000	'	'	'
Stock repurchase plan, number of shares authorized to be repurchased	179,800	'	602,989	633,877	667,239
Stock repurchase program percentage of shares authorized to be repurchased	'	'	5.00%	5.00%	5.00%
Average Stock Price Of Shares Repurchased	$9.37	'	'	'	'
Minimum \| Core Deposit And Acquired Customer Relationship	'	'	'	'	'
Summary of Significant Accounting Policies (Textual) [Abstract]	'	'	'	'	'
Intangible assets estimated useful lives	'5 years	'	'	'	'
Maximum \| Core Deposit And Acquired Customer Relationship	'	'	'	'	'
Summary of Significant Accounting Policies (Textual) [Abstract]	'	'	'	'	'
Intangible assets estimated useful lives	'13 years	'	'	'	'
Building \| Minimum	'	'	'	'	'
Summary of Significant Accounting Policies (Textual) [Abstract]	'	'	'	'	'
Premises and equipment, useful lives	'10 years	'	'	'	'
Building \| Maximum	'	'	'	'	'
Summary of Significant Accounting Policies (Textual) [Abstract]	'	'	'	'	'
Premises and equipment, useful lives	'39 years	'	'	'	'
Furniture and Fixtures \| Minimum	'	'	'	'	'
Summary of Significant Accounting Policies (Textual) [Abstract]	'	'	'	'	'
Premises and equipment, useful lives	'3 years	'	'	'	'
Furniture and Fixtures \| Maximum	'	'	'	'	'
Summary of Significant Accounting Policies (Textual) [Abstract]	'	'	'	'	'
Premises and equipment, useful lives	'7 years	'	'	'	'
Commercial Loan	'	'	'	'	'
Summary of Significant Accounting Policies (Textual) [Abstract]	'	'	'	'	'
Loans classified as non accrual, Description	'Loan is 90 days or more delinquent, or when in the opinion of management, the collectability of such loan is in doubt.	'	'	'	'
Loans returned to accrual status, Description	'All the principal and interest amounts contractually due are brought current and future payments are reasonably assured.	'	'	'	'
Consumer and residential loans	'	'	'	'	'
Summary of Significant Accounting Policies (Textual) [Abstract]	'	'	'	'	'
Loans classified as non accrual, Description	'Loan is 90 days or more delinquent with a loan to value ratio greater than 60 percent.	'	'	'	'
Delinquency of Loans classified as non- accrual	'90 days	'	'	'	'
Rate of loan to classified as non accrual	60.00%	'	'	'	'
Loans returned to accrual status, Description	'Delinquency becomes less than 90 days and/or the loan to value ratio is less than 60 percent	'	'	'	'
Maximum Loan to Value Ratio for Classification of Consumer and Residential Loans to Accrual Status	60.00%	'	'	'	'
Sustained repayment performance period	'6 months	'	'	'	'
Accruing Loan	'	'	'	'	'
Summary of Significant Accounting Policies (Textual) [Abstract]	'	'	'	'	'
TDRs totaled	3,400,000	3,400,000	'	'	'
Non Accruing Loan	'	'	'	'	'
Summary of Significant Accounting Policies (Textual) [Abstract]	'	'	'	'	'
TDRs totaled	$865,000	$881,000	'	'	'

Investment_Securities_Details

Investment Securities (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Amortized cost, gross unrealized gains or losses and the fair value of the Company's investment securities available for sale	'	'
Amortized Cost	$157,796	$161,907
Gross Unrealized Gains	710	657
Gross Unrealized Losses	-3,508	-5,398
Total investment securities, Fair Value	154,998	157,166
Investment securities held to maturity	'	'
Amortized Cost	17,727	9,102
Gross Unrealized Gains	74	42
Gross Unrealized Losses	-594	-238
Investment securities held to maturity at amortized cost, fair value	17,207	8,906
Debt Securities	'	'
Amortized cost, gross unrealized gains or losses and the fair value of the Company's investment securities available for sale	'	'
Amortized Cost	69,859	73,100
Gross Unrealized Gains	190	165
Gross Unrealized Losses	-1,113	-2,402
Total investment securities, Fair Value	68,936	70,863
Investment securities held to maturity	'	'
Amortized Cost	17,727	9,102
Gross Unrealized Gains	74	42
Gross Unrealized Losses	-594	-238
Investment securities held to maturity at amortized cost, fair value	17,207	8,906
Debt Securities \| U.S. Government and agency obligations	'	'
Amortized cost, gross unrealized gains or losses and the fair value of the Company's investment securities available for sale	'	'
Amortized Cost	47,965	53,951
Gross Unrealized Gains	14	5
Gross Unrealized Losses	-1,085	-2,350
Total investment securities, Fair Value	46,894	51,606
Investment securities held to maturity	'	'
Amortized Cost	7,639	'
Gross Unrealized Losses	-434	'
Investment securities held to maturity at amortized cost, fair value	7,205	'
Debt Securities \| Municipal bonds	'	'
Amortized cost, gross unrealized gains or losses and the fair value of the Company's investment securities available for sale	'	'
Amortized Cost	5,781	6,090
Gross Unrealized Gains	97	116
Gross Unrealized Losses	-23	-28
Total investment securities, Fair Value	5,855	6,178
Investment securities held to maturity	'	'
Amortized Cost	10,088	9,102
Gross Unrealized Gains	74	42
Gross Unrealized Losses	-160	-238
Investment securities held to maturity at amortized cost, fair value	10,002	8,906
Debt Securities \| Corporate bonds	'	'
Amortized cost, gross unrealized gains or losses and the fair value of the Company's investment securities available for sale	'	'
Amortized Cost	16,113	13,059
Gross Unrealized Gains	79	44
Gross Unrealized Losses	-5	-24
Total investment securities, Fair Value	16,187	13,079
Equity Securities	'	'
Amortized cost, gross unrealized gains or losses and the fair value of the Company's investment securities available for sale	'	'
Amortized Cost	5,000	5,000
Gross Unrealized Losses	-264	-300
Total investment securities, Fair Value	4,736	4,700
Equity Securities \| CRA Qualified Investment Fund	'	'
Amortized cost, gross unrealized gains or losses and the fair value of the Company's investment securities available for sale	'	'
Amortized Cost	5,000	5,000
Gross Unrealized Losses	-264	-300
Total investment securities, Fair Value	4,736	4,700
Mortgage-backed securities	'	'
Amortized cost, gross unrealized gains or losses and the fair value of the Company's investment securities available for sale	'	'
Amortized Cost	82,937	83,807
Gross Unrealized Gains	520	492
Gross Unrealized Losses	-2,131	-2,696
Total investment securities, Fair Value	81,326	81,603
Mortgage-backed securities \| GNMA pass-through certificates	'	'
Amortized cost, gross unrealized gains or losses and the fair value of the Company's investment securities available for sale	'	'
Amortized Cost	3,392	3,424
Gross Unrealized Gains	152	130
Total investment securities, Fair Value	3,544	3,554
Mortgage-backed securities \| FHLMC pass-through certificates	'	'
Amortized cost, gross unrealized gains or losses and the fair value of the Company's investment securities available for sale	'	'
Amortized Cost	4,961	5,101
Gross Unrealized Gains	80	78
Gross Unrealized Losses	-120	-175
Total investment securities, Fair Value	4,921	5,004
Mortgage-backed securities \| FNMA pass-through certificates	'	'
Amortized cost, gross unrealized gains or losses and the fair value of the Company's investment securities available for sale	'	'
Amortized Cost	14,267	14,596
Gross Unrealized Gains	173	163
Gross Unrealized Losses	-367	-495
Total investment securities, Fair Value	14,073	14,264
Mortgage-backed securities \| Collateralized mortgage obligations	'	'
Amortized cost, gross unrealized gains or losses and the fair value of the Company's investment securities available for sale	'	'
Amortized Cost	60,317	60,686
Gross Unrealized Gains	115	121
Gross Unrealized Losses	-1,644	-2,026
Total investment securities, Fair Value	$58,788	$58,781

Investment_Securities_Details_

Investment Securities (Details Textual) (USD $)	1 Months Ended	3 Months Ended			1 Months Ended
	Feb. 27, 2014	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013	Mar. 03, 2014
	Feb. 27, 2014	Security	Mar. 31, 2013	Security	Agency debt securities
Investment Securities (Textual) [Abstract]	'	'	'	'	'
Proceeds from sales of AFS securities	'	$1,900,000	$13,400,000	'	'
Gross realized gains on sales of investment securities	'	1,900,000	290,000	'	'
Proceeds from security calls, maturities, and return of principal	'	6,000,000	13,200,000	'	'
Securities held as collateral, at fair value	'	60,200,000	'	50,600,000	'
Agency debt securities transferred from available-for-sale to held-to-maturity	'	'	'	'	7,600,000
Gross unrealized losses of securities at the time of transfer	'	'	'	'	377,000
Gross unrealized losses of securities in loss position for less than 12 months	'	'	'	'	276,000
Net unrealized losses on securities	'	'	'	'	377,000
Company's investment securities portfolio consist	'	254	'	'	'
Investment securities related to unrealized loss position	'	107	'	'	'
Number of collateralized debt obligation written off	'	'	'	0	'
Recognized loss related to collateralized debt obligation written off	'	'	'	851,000	'
Gain (Loss) on sale of collateral debt obligation securities	$1,900,000	'	'	'	'

Investment_Securities_Details_1

Investment Securities (Details 1) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Continuous unrealized loss position	'	'
Less Than 12 Months, Fair Value	$111,257	$117,465
Less Than 12 Months, Unrealized Losses	-3,452	-4,904
12 Months or Longer, Fair Value	13,116	10,323
12 Months or Longer, Unrealized Losses	-650	-732
Fair Value, Total	124,373	127,788
Unrealized Losses, Total	-4,102	-5,636
U.S. Government and agency obligations	'	'
Continuous unrealized loss position	'	'
Less Than 12 Months, Fair Value	46,563	45,771
Less Than 12 Months, Unrealized Losses	-1,395	-2,184
12 Months or Longer, Fair Value	1,876	1,834
12 Months or Longer, Unrealized Losses	-124	-166
Fair Value, Total	48,439	47,605
Unrealized Losses, Total	-1,519	-2,350
Municipal bonds	'	'
Continuous unrealized loss position	'	'
Less Than 12 Months, Fair Value	7,328	7,936
Less Than 12 Months, Unrealized Losses	-165	-244
12 Months or Longer, Fair Value	1,222	1,220
12 Months or Longer, Unrealized Losses	-18	-22
Fair Value, Total	8,550	9,156
Unrealized Losses, Total	-183	-266
Corporate bonds	'	'
Continuous unrealized loss position	'	'
Less Than 12 Months, Fair Value	3,038	4,029
Less Than 12 Months, Unrealized Losses	-5	-24
Fair Value, Total	3,038	4,029
Unrealized Losses, Total	-5	-24
CRA Qualified Investment Fund	'	'
Continuous unrealized loss position	'	'
12 Months or Longer, Fair Value	4,736	4,700
12 Months or Longer, Unrealized Losses	-264	-300
Fair Value, Total	4,736	4,700
Unrealized Losses, Total	-264	-300
Mortgage-backed securities	'	'
Continuous unrealized loss position	'	'
Less Than 12 Months, Fair Value	54,328	59,729
Less Than 12 Months, Unrealized Losses	-1,887	-2,452
12 Months or Longer, Fair Value	5,282	2,569
12 Months or Longer, Unrealized Losses	-244	-244
Fair Value, Total	59,610	62,298
Unrealized Losses, Total	($2,131)	($2,696)

Investment_Securities_Details_2

Investment Securities (Details 2) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Amortized cost and fair value of debt securities and mortgage-backed securities available for sale by contractual maturities [Abstract]	'	'
Due within one year or less, Amortized Cost	$3,891	'
Due after one year but within five years, Amortized Cost	38,973	'
Due after five years but within ten years, Amortized Cost	26,995	'
Total investment securities, Amortized Cost	157,796	161,907
Due within one year or less, Fair Value	3,909	'
Due after one year but within five years, Fair Value	39,016	'
Due after five years but within ten years, Fair Value	26,011	'
Total investment securities, Fair Value	154,998	157,166
Held-to-maturity Securities, Debt Maturities [Abstract]	'	'
Due after one year but within five years, Amortized Cost	470	'
Due after five years but within ten years, Amortized Cost	15,193	'
Due after ten years, Amortized Cost	2,064	'
Investment securities held to maturity at amortized cost	17,727	9,102
Held to maturity, due after one year but within five years, Fair Value	467	'
Held to maturity, due after five years but within ten years, Fair Value	14,640	'
Held to maturity, due after ten years, Fair Value	2,100	'
Investment securities held to maturity at amortized cost, fair value	17,207	8,906
Equity Securities	'	'
Amortized cost and fair value of debt securities and mortgage-backed securities available for sale by contractual maturities [Abstract]	'	'
Equity securities, Amortized Cost	5,000	'
Equity securities, Fair value	4,736	'
Mortgage-backed securities	'	'
Amortized cost and fair value of debt securities and mortgage-backed securities available for sale by contractual maturities [Abstract]	'	'
Mortgage-backed securities, Amortized Cost	82,937	'
Mortgage-backed securities, Fair Value	$81,326	'

Investment_Securities_Details_3

Investment Securities (Details 3) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Schedule Of Available For Sale Securities [Line Items]	'	'
Beginning balance of cumulative credit losses on CDO securities	($14,501)	($18,383)
Additional credit losses for which other than temporary impairment was previously recognized	'	'
Sale of OTTI securities	14,501	'
Credit loss recognized due to change to intent to sell	'	'
Ending balance of cumulative credit losses on CDO securities	'	($18,383)

Loans_Receivable_Details

Loans Receivable (Details) (USD $)	Mar. 31, 2014		Dec. 31, 2013		Mar. 31, 2013
In Thousands, unless otherwise specified	Mar. 31, 2014		Dec. 31, 2013		Mar. 31, 2013
Loans receivable	'		'		'
Loans receivable, gross	$782,578		$789,799		$730,561
Less : Allowance for loan losses	9,736		9,330		9,681
Less : Deferred loan fees	289		342		'
Loans receivable, net	772,553		780,127		'
Commercial secured by real estate	'		'		'
Loans receivable	'		'		'
Loans receivable, gross	423,563		422,829		390,119
Less : Allowance for loan losses	7,020		6,554		6,207
Commercial term loans	'		'		'
Loans receivable	'		'		'
Loans receivable, gross	19,195		23,203		'
Construction	'		'		'
Loans receivable	'		'		'
Loans receivable, gross	14,823		10,852		'
Other commercial	'		'		'
Loans receivable	'		'		'
Loans receivable, gross	35,978	[1]	37,772	[1]	33,842	[1]
Less : Allowance for loan losses	805	[1]	600	[1]	848	[1]
Residential mortgage	'		'		'
Loans receivable	'		'		'
Loans receivable, gross	245,653		250,698		'
Home equity loans and lines of credit	'		'		'
Loans receivable	'		'		'
Loans receivable, gross	42,613		43,468		'
Other consumer loans	'		'		'
Loans receivable	'		'		'
Loans receivable, gross	753		977		1,247
Less : Allowance for loan losses	$5		$4		$13

[1]	includes commercial lines of credit

Loans_Receivable_Details_1

Loans Receivable (Details 1) (USD $)	3 Months Ended				12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014		Mar. 31, 2013		Dec. 31, 2013
Accounts Notes And Loans Receivable [Line Items]	'		'		'
Balance at beginning of year	$9,330		$9,852		$9,852
Charge-offs	-261		-497		-2,545
Write-downs on loans transferred to HFS	-1,774		'		-241
Recoveries	229		29		253
Provision for loan losses	2,212		297		2,011
Balance at end of year	9,736		9,681		9,330
Allowance for loan losses	'		'		'
Individually evaluated	174		530		246
Collectively evaluated	9,562		9,151		9,084
Total allowance for loan losses	9,736		9,681		9,330
Loans	'		'		'
Individually evaluated	11,571		22,430		11,202
Collectively evaluated	771,007		708,131		778,597
Total loans	782,578		730,561		789,799
Commercial secured by real estate	'		'		'
Accounts Notes And Loans Receivable [Line Items]	'		'		'
Balance at beginning of year	6,554		6,321		6,321
Charge-offs	-178		-435		-2,085
Write-downs on loans transferred to HFS	'		'		-241
Recoveries	220		15		214
Provision for loan losses	424		306		2,345
Balance at end of year	7,020		6,207		6,554
Allowance for loan losses	'		'		'
Individually evaluated	130		408		148
Collectively evaluated	6,890		5,799		6,406
Total allowance for loan losses	7,020		6,207		6,554
Loans	'		'		'
Individually evaluated	8,929		16,470		8,223
Collectively evaluated	414,634		373,649		414,606
Total loans	423,563		390,119		422,829
Commercial Loan	'		'		'
Accounts Notes And Loans Receivable [Line Items]	'		'		'
Balance at beginning of year	420		457		457
Write-downs on loans transferred to HFS	-809		'		'
Provision for loan losses	822		34		-37
Balance at end of year	433		491		420
Allowance for loan losses	'		'		'
Collectively evaluated	433		491		420
Total allowance for loan losses	433		491		420
Loans	'		'		'
Collectively evaluated	19,195		20,618		23,203
Total loans	19,195		20,618		23,203
Construction Loans	'		'		'
Accounts Notes And Loans Receivable [Line Items]	'		'		'
Balance at beginning of year	227		58		58
Provision for loan losses	-120		2		169
Balance at end of year	107		60		227
Allowance for loan losses	'		'		'
Collectively evaluated	107		60		227
Total allowance for loan losses	107		60		227
Loans	'		'		'
Individually evaluated	'		141		'
Collectively evaluated	14,823		1,761		10,852
Total loans	14,823		1,902		10,852
Other commercial	'		'		'
Accounts Notes And Loans Receivable [Line Items]	'		'		'
Balance at beginning of year	600	[1]	815	[1]	815	[1]
Charge-offs	'		'		-106	[1]
Write-downs on loans transferred to HFS	-965	[1]	'		'
Recoveries	'		2	[1]	10	[1]
Provision for loan losses	1,170	[1]	31	[1]	-119	[1]
Balance at end of year	805	[1]	848	[1]	600	[1]
Allowance for loan losses	'		'		'
Individually evaluated	'		54	[1]	6	[1]
Collectively evaluated	805	[1]	794	[1]	594	[1]
Total allowance for loan losses	805	[1]	848	[1]	600	[1]
Loans	'		'		'
Individually evaluated	303	[1]	501	[1]	303	[1]
Collectively evaluated	35,675	[1]	33,341	[1]	37,469	[1]
Total loans	35,978	[1]	33,842	[1]	37,772	[1]
Residential Mortgage	'		'		'
Accounts Notes And Loans Receivable [Line Items]	'		'		'
Balance at beginning of year	865		1,300		1,300
Charge-offs	'		-36		-205
Provision for loan losses	-121		-51		-230
Balance at end of year	744		1,213		865
Allowance for loan losses	'		'		'
Individually evaluated	44		64		70
Collectively evaluated	700		1,149		795
Total allowance for loan losses	744		1,213		865
Loans	'		'		'
Individually evaluated	1,874		4,554		2,215
Collectively evaluated	243,779		234,593		248,483
Total loans	245,653		239,147		250,698
Home Equity Line of Credit	'		'		'
Accounts Notes And Loans Receivable [Line Items]	'		'		'
Balance at beginning of year	160		249		249
Charge-offs	-68		-24		-109
Recoveries	'		1		1
Provision for loan losses	30		-12		19
Balance at end of year	122		214		160
Allowance for loan losses	'		'		'
Individually evaluated	'		4		22
Collectively evaluated	122		210		138
Total allowance for loan losses	122		214		160
Loans	'		'		'
Individually evaluated	465		764		461
Collectively evaluated	42,148		42,922		43,007
Total loans	42,613		43,686		43,468
Other consumer loans	'		'		'
Accounts Notes And Loans Receivable [Line Items]	'		'		'
Balance at beginning of year	4		17		17
Charge-offs	-15		-2		-40
Recoveries	9		11		28
Provision for loan losses	7		-13		-1
Balance at end of year	5		13		4
Allowance for loan losses	'		'		'
Collectively evaluated	5		13		4
Total allowance for loan losses	5		13		4
Loans	'		'		'
Collectively evaluated	753		1,247		977
Total loans	753		1,247		977
Unallocated Financing Receivables	'		'		'
Accounts Notes And Loans Receivable [Line Items]	'		'		'
Balance at beginning of year	'		635		635
Provision for loan losses	'		'		-135
Balance at end of year	500		635		500
Allowance for loan losses	'		'		'
Collectively evaluated	500		635		500
Total allowance for loan losses	$500		$635		$500

[1]	includes commercial lines of credit

Loans_Receivable_Details_2

Loans Receivable (Details 2) (USD $)	Mar. 31, 2014		Dec. 31, 2013
In Thousands, unless otherwise specified	Mar. 31, 2014		Dec. 31, 2013
Summary of impaired loans	'		'
Non-accrual loans	$7,360	[1],[2]	$6,885	[1],[3]
Loans delinquent greater than 90 days and still accruing	390		458
Troubled debt restructured loans	3,431		3,452
Loans less than 90 days and still accruing	390		407
Total impaired loans	$11,571	[4],[5]	$11,202	[4],[6]

[1]	Non-accrual loans in the table above include TDRs totaling $865,000 at March 31, 2014 and $881,000 at December 31, 2013. Total impaired loans do not include loans held for sale. Loans held for sale include $6.1 million and $1.6 million of loans that were on non-accrual status at March 31, 2014 and December 31, 2013, respectively.
[2]	excludes $6.1 million of loans held for sale.
[3]	excludes $1.6 million of loans held for sale.
[4]	the difference between the recorded investment and unpaid principal balance primarily results from partial charge-offs.
[5]	excludes HFS non-accruing loans of $6.1 million.
[6]	excludes HFS non-accruing loans of $1.6 million

Loans_Receivable_Parenthetical

Loans Receivable (Parenthetical) (Details 2) (USD $)	Mar. 31, 2014	Dec. 31, 2013
Non-accrual loans include TDRs	$865,000	$881,000
Portion of TDR in Non-accrual loans of loans held for sale	$6,100,000	$1,600,000

Loans_Receivable_Details_3

Loans Receivable (Details 3) (USD $)	3 Months Ended			12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014		Mar. 31, 2013	Dec. 31, 2013
Summary of description related to the recognition of impaired loans	'		'	'
Average recorded investment of impaired loans	$11,164	[1]	$21,176	$9,521	[2]
Interest income recognized during impairment	60	[1]	96	290	[2]
Cash basis interest income recognized	'		'	'

[1]	excludes HFS non-accruing loans of $6.1 million.
[2]	excludes HFS non-accruing loans of $1.6 million

Loans_Receivable_Details_Textu

Loans Receivable (Details Textual) (USD $)	3 Months Ended	12 Months Ended
	Mar. 31, 2014	Dec. 31, 2013
	Substandard_Category
	Delinquency
Loan Receivables (Textual) [Abstract]	'	'
Loans to held for sale	$5,300,000	'
Write-downs on loans transferred to HFS	1,774,000	241,000
Net TDRs	7,700,000	7,300,000
Number of days	'90 days	'
Expected receivable amount to loan balances past due 90 days	390,000	458,000
Impairment reserve for TDRs	158,000	127,000
Line of Credit Facility, Amount Outstanding	$250,000	'
Number of discrete classes for Substandard category	4	'
Risk rating of loan, Class one	7	'
Risk rating of loan, Class two	8	'
Risk rating of loan, Class three	9	'
Risk rating of loan, Class four	10	'
Number of delinquencies	2	'

Loans_Receivable_Details_4

Loans Receivable (Details 4) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Summary of TDRs by performing status	'	'
Accruing and Non-accruing TDR's	$4,296	$4,333
Non Accruing Loan	'	'
Summary of TDRs by performing status	'	'
Accruing and Non-accruing TDR's	865	881
Accruing Loan	'	'
Summary of TDRs by performing status	'	'
Accruing and Non-accruing TDR's	3,431	3,452
Commercial secured by real estate	'	'
Summary of TDRs by performing status	'	'
Accruing and Non-accruing TDR's	3,053	3,080
Commercial secured by real estate \| Non Accruing Loan	'	'
Summary of TDRs by performing status	'	'
Accruing and Non-accruing TDR's	673	688
Commercial secured by real estate \| Accruing Loan	'	'
Summary of TDRs by performing status	'	'
Accruing and Non-accruing TDR's	2,380	2,392
Residential mortgage	'	'
Summary of TDRs by performing status	'	'
Accruing and Non-accruing TDR's	1,243	1,253
Residential mortgage \| Non Accruing Loan	'	'
Summary of TDRs by performing status	'	'
Accruing and Non-accruing TDR's	192	193
Residential mortgage \| Accruing Loan	'	'
Summary of TDRs by performing status	'	'
Accruing and Non-accruing TDR's	$1,051	$1,060

Loans_Receivable_Details_5

Loans Receivable (Details 5) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
	Contract	Contract
Troubled Debt Restructurings	'	'
Number of Contracts	1	4
Pre-Modification Recorded Investment	$2,178	$2,586
Post-Modification Recorded Investment	2,170	2,571
Commercial secured by real estate	'	'
Troubled Debt Restructurings	'	'
Number of Contracts	1	3
Pre-Modification Recorded Investment	2,178	2,371
Post-Modification Recorded Investment	2,170	2,359
Residential Mortgage	'	'
Troubled Debt Restructurings	'	'
Number of Contracts	'	1
Pre-Modification Recorded Investment	'	215
Post-Modification Recorded Investment	'	$212

Loans_Receivable_Details_6

Loans Receivable (Details 6) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Loan	Loan
Summary of class of loans, information regarding the types of concessions granted on accruing and non-accruing loans that were restructured	'	'
Reductions in Interest Rate and Maturity Date, No. of Loans, Total TDRs	'	'
Reductions in Interest Rate and Maturity Date, Amount, Total TDRs	'	'
Reductions in Interest Rate and Principal Amount, No. of Loans, Total TDRs	'	'
Reductions in Interest Rate and Principal Amount, Amount, Total TDRs	'	'
Maturity Date Extension, No, of Loans, Total TDRs	'	4
Maturity Date Extension, Amount, Total TDRs	'	970
Maturity Date Extension and Interest Rate Reduction, No. of Loans, Total TDRs	1	2
Maturity Date Extension and Interest Rate Reduction, Amount, Total TDRs	2,178	2,406
Deferral of Principal Amount Due and Shortened Maturity Date, No. of Loans, Total TDRs	'	'
Deferral of Principal Amount Due and Shortened Maturity Date, Amount, Total TDRs	'	'
Total Concessions Granted, No. of Loans	1	6
Total Concessions Granted, Amount	2,178	3,376
Commercial secured by real estate	'	'
Summary of class of loans, information regarding the types of concessions granted on accruing and non-accruing loans that were restructured	'	'
Reductions in Interest Rate and Maturity Date, No. of Loans, Total TDRs	'	'
Reductions in Interest Rate and Maturity Date, Amount, Total TDRs	'	'
Reductions in Interest Rate and Principal Amount, No. of Loans, Total TDRs	'	'
Reductions in Interest Rate and Principal Amount, Amount, Total TDRs	'	'
Maturity Date Extension, No, of Loans, Total TDRs	'	2
Maturity Date Extension, Amount, Total TDRs	'	165
Maturity Date Extension and Interest Rate Reduction, No. of Loans, Total TDRs	1	1
Maturity Date Extension and Interest Rate Reduction, Amount, Total TDRs	2,178	2,194
Deferral of Principal Amount Due and Shortened Maturity Date, No. of Loans, Total TDRs	'	'
Deferral of Principal Amount Due and Shortened Maturity Date, Amount, Total TDRs	'	'
Total Concessions Granted, No. of Loans	1	3
Total Concessions Granted, Amount	2,178	2,359
Residential Mortgage	'	'
Summary of class of loans, information regarding the types of concessions granted on accruing and non-accruing loans that were restructured	'	'
Reductions in Interest Rate and Maturity Date, No. of Loans, Total TDRs	'	'
Reductions in Interest Rate and Maturity Date, Amount, Total TDRs	'	'
Reductions in Interest Rate and Principal Amount, No. of Loans, Total TDRs	'	'
Reductions in Interest Rate and Principal Amount, Amount, Total TDRs	'	'
Maturity Date Extension, No, of Loans, Total TDRs	'	2
Maturity Date Extension, Amount, Total TDRs	'	805
Maturity Date Extension and Interest Rate Reduction, No. of Loans, Total TDRs	'	1
Maturity Date Extension and Interest Rate Reduction, Amount, Total TDRs	'	212
Deferral of Principal Amount Due and Shortened Maturity Date, No. of Loans, Total TDRs	'	'
Deferral of Principal Amount Due and Shortened Maturity Date, Amount, Total TDRs	'	'
Total Concessions Granted, No. of Loans	'	3
Total Concessions Granted, Amount	'	1,017
Accruing Tdrs	'	'
Summary of class of loans, information regarding the types of concessions granted on accruing and non-accruing loans that were restructured	'	'
Reductions in Interest Rate and Maturity Date, No. of Loans, Total TDRs	'	'
Reductions in Interest Rate and Maturity Date, Amount, Total TDRs	'	'
Reductions in Interest Rate and Principal Amount, No. of Loans, Total TDRs	'	'
Reductions in Interest Rate and Principal Amount, Amount, Total TDRs	'	'
Maturity Date Extension, No, of Loans, Total TDRs	'	3
Maturity Date Extension, Amount, Total TDRs	'	859
Maturity Date Extension and Interest Rate Reduction, No. of Loans, Total TDRs	1	2
Maturity Date Extension and Interest Rate Reduction, Amount, Total TDRs	2,178	2,406
Deferral of Principal Amount Due and Shortened Maturity Date, No. of Loans, Total TDRs	'	'
Deferral of Principal Amount Due and Shortened Maturity Date, Amount, Total TDRs	'	'
Total Concessions Granted, No. of Loans	1	5
Total Concessions Granted, Amount	2,178	3,265
Accruing Tdrs \| Commercial secured by real estate	'	'
Summary of class of loans, information regarding the types of concessions granted on accruing and non-accruing loans that were restructured	'	'
Reductions in Interest Rate and Maturity Date, No. of Loans, Total TDRs	'	'
Reductions in Interest Rate and Maturity Date, Amount, Total TDRs	'	'
Reductions in Interest Rate and Principal Amount, No. of Loans, Total TDRs	'	'
Reductions in Interest Rate and Principal Amount, Amount, Total TDRs	'	'
Maturity Date Extension, No, of Loans, Total TDRs	'	1
Maturity Date Extension, Amount, Total TDRs	'	54
Maturity Date Extension and Interest Rate Reduction, No. of Loans, Total TDRs	1	1
Maturity Date Extension and Interest Rate Reduction, Amount, Total TDRs	2,178	2,194
Deferral of Principal Amount Due and Shortened Maturity Date, No. of Loans, Total TDRs	'	'
Deferral of Principal Amount Due and Shortened Maturity Date, Amount, Total TDRs	'	'
Total Concessions Granted, No. of Loans	1	2
Total Concessions Granted, Amount	2,178	2,248
Accruing Tdrs \| Residential Mortgage	'	'
Summary of class of loans, information regarding the types of concessions granted on accruing and non-accruing loans that were restructured	'	'
Reductions in Interest Rate and Maturity Date, No. of Loans, Total TDRs	'	'
Reductions in Interest Rate and Maturity Date, Amount, Total TDRs	'	'
Reductions in Interest Rate and Principal Amount, No. of Loans, Total TDRs	'	'
Reductions in Interest Rate and Principal Amount, Amount, Total TDRs	'	'
Maturity Date Extension, No, of Loans, Total TDRs	'	2
Maturity Date Extension, Amount, Total TDRs	'	805
Maturity Date Extension and Interest Rate Reduction, No. of Loans, Total TDRs	'	1
Maturity Date Extension and Interest Rate Reduction, Amount, Total TDRs	'	212
Deferral of Principal Amount Due and Shortened Maturity Date, No. of Loans, Total TDRs	'	'
Deferral of Principal Amount Due and Shortened Maturity Date, Amount, Total TDRs	'	'
Total Concessions Granted, No. of Loans	'	3
Total Concessions Granted, Amount	'	1,017
Nonaccruing Tdrs	'	'
Summary of class of loans, information regarding the types of concessions granted on accruing and non-accruing loans that were restructured	'	'
Reductions in Interest Rate and Maturity Date, No. of Loans, Total TDRs	'	'
Reductions in Interest Rate and Maturity Date, Amount, Total TDRs	'	'
Reductions in Interest Rate and Principal Amount, No. of Loans, Total TDRs	'	'
Reductions in Interest Rate and Principal Amount, Amount, Total TDRs	'	'
Maturity Date Extension, No, of Loans, Total TDRs	'	1
Maturity Date Extension, Amount, Total TDRs	'	111
Deferral of Principal Amount Due and Shortened Maturity Date, No. of Loans, Total TDRs	'	'
Deferral of Principal Amount Due and Shortened Maturity Date, Amount, Total TDRs	'	'
Total Concessions Granted, No. of Loans	'	1
Total Concessions Granted, Amount	'	111
Nonaccruing Tdrs \| Commercial secured by real estate	'	'
Summary of class of loans, information regarding the types of concessions granted on accruing and non-accruing loans that were restructured	'	'
Reductions in Interest Rate and Maturity Date, No. of Loans, Total TDRs	'	'
Reductions in Interest Rate and Maturity Date, Amount, Total TDRs	'	'
Reductions in Interest Rate and Principal Amount, No. of Loans, Total TDRs	'	'
Reductions in Interest Rate and Principal Amount, Amount, Total TDRs	'	'
Maturity Date Extension, No, of Loans, Total TDRs	'	1
Maturity Date Extension, Amount, Total TDRs	'	111
Deferral of Principal Amount Due and Shortened Maturity Date, No. of Loans, Total TDRs	'	'
Deferral of Principal Amount Due and Shortened Maturity Date, Amount, Total TDRs	'	'
Total Concessions Granted, No. of Loans	'	1
Total Concessions Granted, Amount	'	111
Nonaccruing Tdrs \| Residential Mortgage	'	'
Summary of class of loans, information regarding the types of concessions granted on accruing and non-accruing loans that were restructured	'	'
Reductions in Interest Rate and Maturity Date, No. of Loans, Total TDRs	'	'
Reductions in Interest Rate and Maturity Date, Amount, Total TDRs	'	'
Reductions in Interest Rate and Principal Amount, No. of Loans, Total TDRs	'	'
Reductions in Interest Rate and Principal Amount, Amount, Total TDRs	'	'
Maturity Date Extension, No, of Loans, Total TDRs	'	'
Maturity Date Extension, Amount, Total TDRs	'	'
Deferral of Principal Amount Due and Shortened Maturity Date, No. of Loans, Total TDRs	'	'
Deferral of Principal Amount Due and Shortened Maturity Date, Amount, Total TDRs	'	'

Loans_Receivable_Details_7

Loans Receivable (Details 7) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
	Contract	Contract
Financing Receivable Modifications [Line Items]	'	'
Number of Contracts	'	1
Recorded Investment	'	$111
Commercial secured by real estate	'	'
Financing Receivable Modifications [Line Items]	'	'
Number of Contracts	'	1
Recorded Investment	'	111
Residential Mortgage	'	'
Financing Receivable Modifications [Line Items]	'	'
Number of Contracts	'	'
Recorded Investment	'	'

Loans_Receivable_Details_8

Loans Receivable (Details 8) (USD $)	3 Months Ended			12 Months Ended
Loans Receivable (Details 8) (USD $)	Mar. 31, 2014		Mar. 31, 2013	Dec. 31, 2013
Summary of impaired loans with and with no related allowance	'		'	'
Impaired loans with related allowance, Recorded Investment	$2,628,000	[1],[2]	'	$3,671,000	[1],[3]
Impaired loans with related allowance, Unpaid Principal Balance	2,628,000	[2]	'	4,225,000	[3]
Impaired loans with related allowance, Related Allowance	174,000	[2]	'	246,000	[3]
Impaired loans with related allowance, Average Recorded Investment	2,630,000	[2]	'	3,844,000	[3]
Impaired loans with related allowance, Interest Income Recognized	33,000	[2]	'	124,000	[3]
Impaired loans with no related allowance, Recorded Investment	8,943,000	[1],[2]	'	7,531,000	[1],[3]
Impaired loans with no related allowance, Unpaid Principal Balance	10,724,000	[2]	'	9,426,000	[3]
Impaired loans with no related allowance, Average Recorded Investment	8,534,000	[2]	'	5,677,000	[3]
Impaired loans with no related allowance, Interest Income Recognized	27,000	[2]	'	166,000	[3]
Total impaired loans, Recorded Investment	11,571,000	[1],[2]	'	11,202,000	[1],[3]
Total impaired loans, Unpaid Principal Balance	13,352,000	[2]	'	13,651,000	[3]
Total impaired loans, Related Allowance	174,000	[2]	'	246,000	[3]
Total impaired loans, Average Recorded Investment	11,164,000	[2]	21,176,000	9,521,000	[3]
Total impaired loans, Interest Income Recognized	60,000	[2]	96,000	290,000	[3]
Commercial secured by real estate	'		'	'
Summary of impaired loans with and with no related allowance	'		'	'
Impaired loans with related allowance, Recorded Investment	2,269,000	[1],[2]	'	2,773,000	[1],[3]
Impaired loans with related allowance, Unpaid Principal Balance	2,269,000	[2]	'	3,234,000	[3]
Impaired loans with related allowance, Related Allowance	130,000	[2]	'	148,000	[3]
Impaired loans with related allowance, Average Recorded Investment	2,270,000	[2]	'	2,901,000	[3]
Impaired loans with related allowance, Interest Income Recognized	30,000	[2]	'	116,000	[3]
Impaired loans with no related allowance, Recorded Investment	6,660,000	[1],[2]	'	5,450,000	[1],[3]
Impaired loans with no related allowance, Unpaid Principal Balance	8,145,000	[2]	'	7,203,000	[3]
Impaired loans with no related allowance, Average Recorded Investment	6,243,000	[2]	'	3,738,000	[3]
Impaired loans with no related allowance, Interest Income Recognized	10,000	[2]	'	88,000	[3]
Total impaired loans, Recorded Investment	8,929,000	[1],[2]	'	8,223,000	[1],[3]
Total impaired loans, Unpaid Principal Balance	10,414,000	[2]	'	10,437,000	[3]
Total impaired loans, Related Allowance	130,000	[2]	'	148,000	[3]
Total impaired loans, Average Recorded Investment	8,513,000	[2]	'	6,639,000	[3]
Total impaired loans, Interest Income Recognized	40,000	[2]	'	204,000	[3]
Other commercial	'		'	'
Summary of impaired loans with and with no related allowance	'		'	'
Impaired loans with related allowance, Recorded Investment	'		'	60,000	[1],[3]
Impaired loans with related allowance, Unpaid Principal Balance	'		'	70,000	[3]
Impaired loans with related allowance, Related Allowance	'		'	6,000	[3]
Impaired loans with related allowance, Average Recorded Investment	'		'	60,000	[3]
Impaired loans with no related allowance, Recorded Investment	303,000	[1],[2]	'	243,000	[1],[3]
Impaired loans with no related allowance, Unpaid Principal Balance	376,000	[2]	'	306,000	[3]
Impaired loans with no related allowance, Average Recorded Investment	303,000	[2]	'	246,000	[3]
Total impaired loans, Recorded Investment	303,000	[1],[2]	'	303,000	[1],[3]
Total impaired loans, Unpaid Principal Balance	376,000	[2]	'	376,000	[3]
Total impaired loans, Related Allowance	'		'	6,000	[3]
Total impaired loans, Average Recorded Investment	303,000	[2]	'	306,000	[3]
Residential Mortgage	'		'	'
Summary of impaired loans with and with no related allowance	'		'	'
Impaired loans with related allowance, Recorded Investment	359,000	[1],[2]	'	618,000	[1],[3]
Impaired loans with related allowance, Unpaid Principal Balance	359,000	[2]	'	689,000	[3]
Impaired loans with related allowance, Related Allowance	44,000	[2]	'	70,000	[3]
Impaired loans with related allowance, Average Recorded Investment	360,000	[2]	'	660,000	[3]
Impaired loans with related allowance, Interest Income Recognized	3,000	[2]	'	8,000	[3]
Impaired loans with no related allowance, Recorded Investment	1,515,000	[1],[2]	'	1,597,000	[1],[3]
Impaired loans with no related allowance, Unpaid Principal Balance	1,653,000	[2]	'	1,675,000	[3]
Impaired loans with no related allowance, Average Recorded Investment	1,515,000	[2]	'	1,536,000	[3]
Impaired loans with no related allowance, Interest Income Recognized	16,000	[2]	'	69,000	[3]
Total impaired loans, Recorded Investment	1,874,000	[1],[2]	'	2,215,000	[1],[3]
Total impaired loans, Unpaid Principal Balance	2,012,000	[2]	'	2,364,000	[3]
Total impaired loans, Related Allowance	44,000	[2]	'	70,000	[3]
Total impaired loans, Average Recorded Investment	1,875,000	[2]	'	2,196,000	[3]
Total impaired loans, Interest Income Recognized	19,000	[2]	'	77,000	[3]
Home Equity Line of Credit	'		'	'
Summary of impaired loans with and with no related allowance	'		'	'
Impaired loans with related allowance, Recorded Investment	'		'	220,000	[1],[3]
Impaired loans with related allowance, Unpaid Principal Balance	'		'	232,000	[3]
Impaired loans with related allowance, Related Allowance	'		'	22,000	[3]
Impaired loans with related allowance, Average Recorded Investment	'		'	223,000	[3]
Impaired loans with no related allowance, Recorded Investment	465,000	[1],[2]	'	241,000	[1],[3]
Impaired loans with no related allowance, Unpaid Principal Balance	550,000	[2]	'	242,000	[3]
Impaired loans with no related allowance, Average Recorded Investment	473,000	[2]	'	157,000	[3]
Impaired loans with no related allowance, Interest Income Recognized	1,000	[2]	'	9,000	[3]
Total impaired loans, Recorded Investment	465,000	[1],[2]	'	461,000	[1],[3]
Total impaired loans, Unpaid Principal Balance	550,000	[2]	'	474,000	[3]
Total impaired loans, Related Allowance	'		'	22,000	[3]
Total impaired loans, Average Recorded Investment	473,000	[2]	'	380,000	[3]
Total impaired loans, Interest Income Recognized	$1,000	[2]	'	$9,000	[3]

[1]	the difference between the recorded investment and unpaid principal balance primarily results from partial charge-offs.
[2]	excludes HFS non-accruing loans of $6.1 million.
[3]	excludes HFS non-accruing loans of $1.6 million

Loans_Receivable_Parenthetical1

Loans Receivable (Parenthetical) (Details 8) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Millions, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Financing Receivable Impaired [Line Items]	'	'
Portion of TDR in Non-accrual loans of loans held for sale	$6.10	$1.60

Loans_Receivable_Details_9

Loans Receivable (Details 9) (USD $)	Mar. 31, 2014		Dec. 31, 2013		Mar. 31, 2013
In Thousands, unless otherwise specified	Mar. 31, 2014		Dec. 31, 2013		Mar. 31, 2013
Summary of loans by past due	'		'		'
30-59 Days Delinquent	$2,140		$896		'
60-89 Days Delinquent	603		2,060		'
90 Days or More Delinquent and Accruing	390		458		'
Total Delinquent and Accruing	3,133		3,414		'
Non-accrual	7,360	[1],[2]	6,885	[1],[3]	'
Current	772,085		779,500		'
Total loans	782,578		789,799		730,561
Commercial secured by real estate	'		'		'
Summary of loans by past due	'		'		'
30-59 Days Delinquent	1,111		'		'
60-89 Days Delinquent	50		1,272		'
Total Delinquent and Accruing	1,161		1,272		'
Non-accrual	6,159	[2]	5,425	[3]	'
Current	416,243		416,132		'
Total loans	423,563		422,829		'
Commercial term loans	'		'		'
Summary of loans by past due	'		'		'
Current	19,195		23,203		'
Total loans	19,195		23,203		20,618
Construction	'		'		'
Summary of loans by past due	'		'		'
Current	14,823		10,852		'
Total loans	14,823		10,852		'
Other commercial	'		'		'
Summary of loans by past due	'		'		'
Non-accrual	303	[2]	303	[3]	'
Current	35,675		37,469		'
Total loans	35,978	[4]	37,772	[4]	33,842	[4]
Residential mortgage	'		'		'
Summary of loans by past due	'		'		'
30-59 Days Delinquent	932		504		'
60-89 Days Delinquent	454		589		'
90 Days or More Delinquent and Accruing	316		347		'
Total Delinquent and Accruing	1,702		1,440		'
Non-accrual	507	[2]	807	[3]	'
Current	243,444		248,451		'
Total loans	245,653		250,698		'
Home equity loans and lines of credit	'		'		'
Summary of loans by past due	'		'		'
30-59 Days Delinquent	97		392		'
60-89 Days Delinquent	99		192		'
90 Days or More Delinquent and Accruing	74		111		'
Total Delinquent and Accruing	270		695		'
Non-accrual	391	[2]	350	[3]	'
Current	41,952		42,423		'
Total loans	42,613		43,468		'
Other consumer loans	'		'		'
Summary of loans by past due	'		'		'
60-89 Days Delinquent	'		7		'
Total Delinquent and Accruing	'		7		'
Current	753		970		'
Total loans	$753		$977		$1,247

[1]	Non-accrual loans in the table above include TDRs totaling $865,000 at March 31, 2014 and $881,000 at December 31, 2013. Total impaired loans do not include loans held for sale. Loans held for sale include $6.1 million and $1.6 million of loans that were on non-accrual status at March 31, 2014 and December 31, 2013, respectively.
[2]	excludes $6.1 million of loans held for sale.
[3]	excludes $1.6 million of loans held for sale.
[4]	includes commercial lines of credit

Loans_Receivable_Parenthetical2

Loans Receivable (Parenthetical) (Details 9) (USD $)	Mar. 31, 2014	Dec. 23, 2013
In Millions, unless otherwise specified	Mar. 31, 2014	Dec. 23, 2013
Financing Receivable Recorded Investment Past Due [Line Items]	'	'
Non-accruing HFS include TDR	$6.10	$1.60

Loans_Receivable_Details_10

Loans Receivable (Details 10) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Commercial loans by credit quality indicator	'	'
Commercial loans by credit quality	$493,559	$494,656
Grades 1-5	'	'
Commercial loans by credit quality indicator	'	'
Commercial loans by credit quality	476,785	465,008
Grade 6	'	'
Commercial loans by credit quality indicator	'	'
Commercial loans by credit quality	5,657	11,179
Grade 7	'	'
Commercial loans by credit quality indicator	'	'
Commercial loans by credit quality	828	8,133
Grade 8	'	'
Commercial loans by credit quality indicator	'	'
Commercial loans by credit quality	1,057	1,809
Grade 9	'	'
Commercial loans by credit quality indicator	'	'
Commercial loans by credit quality	2,770	2,799
Non-accrual	'	'
Commercial loans by credit quality indicator	'	'
Commercial loans by credit quality	6,462	5,728
Commercial secured by real estate	'	'
Commercial loans by credit quality indicator	'	'
Commercial loans by credit quality	423,563	422,829
Commercial secured by real estate \| Grades 1-5	'	'
Commercial loans by credit quality indicator	'	'
Commercial loans by credit quality	407,092	397,398
Commercial secured by real estate \| Grade 6	'	'
Commercial loans by credit quality indicator	'	'
Commercial loans by credit quality	5,657	10,669
Commercial secured by real estate \| Grade 7	'	'
Commercial loans by credit quality indicator	'	'
Commercial loans by credit quality	828	4,729
Commercial secured by real estate \| Grade 8	'	'
Commercial loans by credit quality indicator	'	'
Commercial loans by credit quality	1,057	1,809
Commercial secured by real estate \| Grade 9	'	'
Commercial loans by credit quality indicator	'	'
Commercial loans by credit quality	2,770	2,799
Commercial secured by real estate \| Non-accrual	'	'
Commercial loans by credit quality indicator	'	'
Commercial loans by credit quality	6,159	5,425
Commercial term loans	'	'
Commercial loans by credit quality indicator	'	'
Commercial loans by credit quality	19,195	23,203
Commercial term loans \| Grades 1-5	'	'
Commercial loans by credit quality indicator	'	'
Commercial loans by credit quality	19,195	20,899
Commercial term loans \| Grade 7	'	'
Commercial loans by credit quality indicator	'	'
Commercial loans by credit quality	'	2,304
Construction	'	'
Commercial loans by credit quality indicator	'	'
Commercial loans by credit quality	14,823	10,852
Construction \| Grades 1-5	'	'
Commercial loans by credit quality indicator	'	'
Commercial loans by credit quality	14,823	10,852
Other Commercial	'	'
Commercial loans by credit quality indicator	'	'
Commercial loans by credit quality	35,978	37,772
Other Commercial \| Grades 1-5	'	'
Commercial loans by credit quality indicator	'	'
Commercial loans by credit quality	35,675	35,859
Other Commercial \| Grade 6	'	'
Commercial loans by credit quality indicator	'	'
Commercial loans by credit quality	'	510
Other Commercial \| Grade 7	'	'
Commercial loans by credit quality indicator	'	'
Commercial loans by credit quality	'	1,100
Other Commercial \| Non-accrual	'	'
Commercial loans by credit quality indicator	'	'
Commercial loans by credit quality	$303	$303

Fair_Value_Details

Fair Value (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Assets and liabilities measured at fair value on recurring basis	'	'
Total investment securities, Fair Value	$154,998	$157,166
Fair Value, Measurements, Recurring \| Quoted Prices in Active Markets for Identical Assets (Level 1)	'	'
Assets and liabilities measured at fair value on recurring basis	'	'
Total investment securities, Fair Value	4,736	4,700
Fair Value, Measurements, Recurring \| Significant Other Observable Inputs (Level 2)	'	'
Assets and liabilities measured at fair value on recurring basis	'	'
Total investment securities, Fair Value	150,262	152,466
U.S. Government and agency obligations \| Fair Value, Measurements, Recurring \| Significant Other Observable Inputs (Level 2)	'	'
Assets and liabilities measured at fair value on recurring basis	'	'
Total investment securities, Fair Value	46,894	51,606
Municipal bonds \| Fair Value, Measurements, Recurring \| Significant Other Observable Inputs (Level 2)	'	'
Assets and liabilities measured at fair value on recurring basis	'	'
Total investment securities, Fair Value	5,855	6,178
Corporate bonds \| Fair Value, Measurements, Recurring \| Significant Other Observable Inputs (Level 2)	'	'
Assets and liabilities measured at fair value on recurring basis	'	'
Total investment securities, Fair Value	16,187	13,079
Mortgage-backed securities \| Fair Value, Measurements, Recurring \| Significant Other Observable Inputs (Level 2)	'	'
Assets and liabilities measured at fair value on recurring basis	'	'
Total investment securities, Fair Value	81,326	81,603
CRA Qualified Investment Fund \| Fair Value, Measurements, Recurring \| Quoted Prices in Active Markets for Identical Assets (Level 1)	'	'
Assets and liabilities measured at fair value on recurring basis	'	'
Total investment securities, Fair Value	$4,736	$4,700

Fair_Value_Details_1

Fair Value (Details 1) (Significant Other Unobservable Inputs (Level 3), USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Significant Other Unobservable Inputs (Level 3)	'	'
Reconciliation and income statement classification of gains and losses for assets measured at fair value on recurring basis using significant unobservable inputs (Level 3)	'	'
Beginning balance	'	$4,682
Accretion of discount	'	8
Payments received	'	'
Reduction in Accumulated OTTI on sale	'	'
Realized gain (loss) on sale/redemption	'	'
Unrealized holding gain (loss)	'	-203
Other-than-temporary impairment included in earnings	'	'
Ending balance	'	$4,487

Fair_Value_Details_2

Fair Value (Details 2) (USD $)	Mar. 31, 2014		Dec. 31, 2013
Assets:	'		'
Total impaired loans	$11,571,000	[1],[2]	$11,202,000	[1],[3]
Loans held for sale	6,148,000		1,814,000
Significant Other Observable Inputs (Level 2)	'		'
Assets:	'		'
Loans held for sale	6,148,000		1,814,000
Significant Other Unobservable Inputs (Level 3)	'		'
Assets:	'		'
Total impaired loans	3,100,000		'
Commercial secured by real estate	'		'
Assets:	'		'
Total impaired loans	8,929,000	[1],[2]	8,223,000	[1],[3]
Other commercial	'		'
Assets:	'		'
Total impaired loans	303,000	[1],[2]	303,000	[1],[3]
Residential Mortgage	'		'
Assets:	'		'
Total impaired loans	1,874,000	[1],[2]	2,215,000	[1],[3]
Home Equity Line of Credit	'		'
Assets:	'		'
Total impaired loans	465,000	[1],[2]	461,000	[1],[3]
Fair Value, Measurements, Nonrecurring \| Significant Other Observable Inputs (Level 2)	'		'
Assets:	'		'
Total other real estate owned	2,321,000		7,449,000
Loans held for sale	6,148,000		1,814,000
Assets held for sale	10,000		10,000
Fair Value, Measurements, Nonrecurring \| Significant Other Unobservable Inputs (Level 3)	'		'
Assets:	'		'
Total impaired loans	3,102,000	[4]	3,516,000	[4]
Total other real estate owned	4,209,000		'
Fair Value, Measurements, Nonrecurring \| Commercial secured by real estate \| Significant Other Observable Inputs (Level 2)	'		'
Assets:	'		'
Total other real estate owned	1,497,000		4,893,000
Fair Value, Measurements, Nonrecurring \| Commercial secured by real estate \| Significant Other Unobservable Inputs (Level 3)	'		'
Assets:	'		'
Total impaired loans	1,978,000	[4]	2,255,000	[4]
Total other real estate owned	3,358,000		'
Fair Value, Measurements, Nonrecurring \| Commercial term loans \| Quoted Prices in Active Markets for Identical Assets (Level 1)	'		'
Assets:	'		'
Total impaired loans	'	[4]	'	[4]
Fair Value, Measurements, Nonrecurring \| Commercial term loans \| Significant Other Observable Inputs (Level 2)	'		'
Assets:	'		'
Total impaired loans	'	[4]	'	[4]
Fair Value, Measurements, Nonrecurring \| Commercial term loans \| Significant Other Unobservable Inputs (Level 3)	'		'
Assets:	'		'
Total impaired loans	'	[4]	'	[4]
Fair Value, Measurements, Nonrecurring \| Construction Loans \| Quoted Prices in Active Markets for Identical Assets (Level 1)	'		'
Assets:	'		'
Total impaired loans	'	[4]	'	[4]
Fair Value, Measurements, Nonrecurring \| Construction Loans \| Significant Other Observable Inputs (Level 2)	'		'
Assets:	'		'
Total impaired loans	'	[4]	'	[4]
Fair Value, Measurements, Nonrecurring \| Construction Loans \| Significant Other Unobservable Inputs (Level 3)	'		'
Assets:	'		'
Total impaired loans	'	[4]	'	[4]
Fair Value, Measurements, Nonrecurring \| Other commercial \| Significant Other Unobservable Inputs (Level 3)	'		'
Assets:	'		'
Total impaired loans	303,000	[4]	297,000	[4]
Fair Value, Measurements, Nonrecurring \| Residential Mortgage \| Significant Other Observable Inputs (Level 2)	'		'
Assets:	'		'
Total other real estate owned	824,000		2,556,000
Fair Value, Measurements, Nonrecurring \| Residential Mortgage \| Significant Other Unobservable Inputs (Level 3)	'		'
Assets:	'		'
Total impaired loans	561,000	[4]	766,000	[4]
Total other real estate owned	851,000		'
Fair Value, Measurements, Nonrecurring \| Home Equity Line of Credit \| Significant Other Unobservable Inputs (Level 3)	'		'
Assets:	'		'
Total impaired loans	$260,000	[4]	$198,000	[4]

[1]	the difference between the recorded investment and unpaid principal balance primarily results from partial charge-offs.
[2]	excludes HFS non-accruing loans of $6.1 million.
[3]	excludes HFS non-accruing loans of $1.6 million
[4]	Includes non-accrual loans, loans delinquent greater than 90 days and still accruing, loans less than 90 days delinquent and still accruing and troubled debt restructured loans.

Fair_Value_Details_2_Parenthet

Fair Value (Details 2) (Parenthetical)	3 Months Ended
Fair Value (Details 2) (Parenthetical)	Mar. 31, 2014
Fair Value Inputs Assets Quantitative Information [Line Items]	'
Impaired loan delinquent	'90 days

Fair_Value_Details_Textual

Fair Value (Details Textual) (USD $)	3 Months Ended
Fair Value (Details Textual) (USD $)	Mar. 31, 2014		Dec. 31, 2013
Fair Value (Textual) [Abstract]	'		'
Percentage of adjustments average appraised value	7.00%		'
Total impaired loans	$11,571,000	[1],[2]	$11,202,000	[1],[3]
Impaired loans with related allowance, Recorded Investment	2,628,000	[1],[2]	3,671,000	[1],[3]
Impaired Loans, Related Allowance	174,000	[2]	246,000	[3]
Significant Other Unobservable Inputs (Level 3)	'		'
Fair Value (Textual) [Abstract]	'		'
Total impaired loans	3,100,000		'
Impaired loans with related allowance, Recorded Investment	3,100,000		'
Impaired Loans, Related Allowance	16,000		'
Impaired Loans Measured With Discounted Cash Flow Method	$3,400,000		'

[1]	the difference between the recorded investment and unpaid principal balance primarily results from partial charge-offs.
[2]	excludes HFS non-accruing loans of $6.1 million.
[3]	excludes HFS non-accruing loans of $1.6 million

Fair_Value_Details_3

Fair Value (Details 3) (USD $)	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2013	Dec. 31, 2012
ASSETS	'	'	'	'
Cash and cash equivalents	$20,879	$24,861	$19,617	$24,228
Interest-bearing time deposits	9,392	9,185	'	'
Loans held for sale	6,148	1,814	'	'
Loans receivable, net	772,553	780,127	'	'
FHLB Stock	7,536	7,747	'	'
Accrued interest receivable	3,369	3,235	'	'
Liabilities	'	'	'	'
Savings deposits	96,153	96,029	'	'
Checking and money market deposits	424,056	433,205	'	'
Certificates of deposit	281,779	269,188	'	'
Borrowings	139,481	143,935	'	'
Accrued interest payable	114	102	'	'
Quoted Prices in Active Markets for Identical Assets (Level 1)	'	'	'	'
ASSETS	'	'	'	'
Cash and cash equivalents	6,198	6,940	'	'
Liabilities	'	'	'	'
Checking and money market deposits	83,264	82,488	'	'
Significant Other Observable Inputs (Level 2)	'	'	'	'
ASSETS	'	'	'	'
Cash and cash equivalents	14,681	17,921	'	'
Interest-bearing time deposits	9,392	9,185	'	'
Loans held for sale	6,148	1,814	'	'
Accrued interest receivable	622	615	'	'
Liabilities	'	'	'	'
Savings deposits	96,153	96,029	'	'
Checking and money market deposits	340,792	350,717	'	'
Certificates of deposit	282,678	270,371	'	'
Borrowings	146,422	151,287	'	'
Accrued interest payable	114	102	'	'
Significant Other Unobservable Inputs (Level 3)	'	'	'	'
ASSETS	'	'	'	'
Loans receivable, net	779,479	791,262	'	'
Accrued interest receivable	$2,747	$2,620	'	'

Other_Real_Estate_Owned_Detail

Other Real Estate Owned (Details Textual) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
	Property		Property
	Segment
Other Real Estate Owned (Additional Textual) [Abstract]	'	'	'
Total other real estate owned	$6,530,000	'	$7,449,000
Number of residential property	15	'	23
Number of commercial properties	11	'	11
Commercial OREO properties sold	2	'	'
Residential OREO properties sold	3	'	'
Aggregate carrying value of OREO	885,000	'	'
Gains (losses) on sale of OREO	-8,000	21,000	'
Commercial OREO property purchased	1	'	'
Aggregate carrying value of OREO, commercial properties	56,000	'	'
Net expenses on OREO	246,000	286,000	'
Write down value	90,000	162,000	'
Tax and insurance	82,000	85,000	'
Miscellaneous expenses	66,000	60,000	'
Aggregate carrying value of OREO, residential properties	168,000	'	'
Aggregate value of properties	1,700,000	'	'
Number of Real Estate property sold	6	'	'
Residential Real Estate	'	'	'
Other Real Estate Owned (Additional Textual) [Abstract]	'	'	'
Gains (losses) on sale of OREO	67,000	'	'
Number of Real Estate property sold	4	'	'
Total other real estate owned	$824,000	'	'
Building Lots	'	'	'
Other Real Estate Owned (Additional Textual) [Abstract]	'	'	'
Number of Real Estate property sold	2	'	'
Commercial secured by real estate	'	'	'
Other Real Estate Owned (Additional Textual) [Abstract]	'	'	'
Number of Real Estate property sold	1	'	'

Deposits_Details

Deposits (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Summary of deposits	'	'
Savings accounts	$96,153	$96,029
Interest-bearing checking and money market deposits	340,792	350,717
Non-interest bearing checking	83,264	82,488
Certificates of deposit of less than $100,000	281,779	113,123
Certificates of deposit of $100,000 or more	'	156,065
Total deposits	$801,988	$798,422

Deposits_Parenthetical_Details

Deposits (Parenthetical) (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Disclosure Deposits Details [Line Items]	'	'
Checking and money market deposits	$424,056	$433,205
Municipal bonds	'	'
Disclosure Deposits Details [Line Items]	'	'
Checking and money market deposits	$81,000	$88,900
Percentage of Interest-bearing Domestic Deposits to Deposits	10.10%	11.10%

Borrowings_Details_Textual

Borrowings (Details Textual) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Millions, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Borrowings (Textual) [Abstract]	'	'
Total bank's FHLB borrowings	$129.50	$134
Borrowings under repurchase agreement	$9.90	$9.90

Income_Taxes_Details_Textual

Income Taxes (Details Textual) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Income Taxes (Textual) [Abstract]	'	'
Income tax expense	$1,249	$969

Stock_Benefit_Plan_Details_Tex

Stock Benefit Plan (Details Textual) (USD $)	3 Months Ended
Stock Benefit Plan (Details Textual) (USD $)	Mar. 31, 2014	Mar. 31, 2013
Stock Benefit Plan (Textual) [Abstract]	'	'
Grant prices of stock options	'	$8.93
Stock options issued	917,450	'
Unrecognized compensation costs on unvested stock options and restricted stock awards	$868,000	'
Stock Benefit Plan (Additional Textual) [Abstract]	'	'
Incentive stock options exercisable	377,266	255,316
Equity Incentive Plan	'	'
Stock Benefit Plan (Textual) [Abstract]	'	'
Period in which stock options granted expire	'10 years	'
Vesting period of stock options granted	'5 years	'
Stock options available to be issued	1,331,352	'
Incentive stock options	'	'
Stock Benefit Plan (Textual) [Abstract]	'	'
Stock options issued	0	10,000
Grant prices of stock options	'	$8.93
Common stock options	'	'
Stock Benefit Plan (Textual) [Abstract]	'	'
Stock options available to be issued	583,212	'

Stock_Benefit_Plan_Details

Stock Benefit Plan (Details) (USD $)	3 Months Ended
Stock Benefit Plan (Details) (USD $)	Mar. 31, 2014		Mar. 31, 2013
Stock option activity	'		'
Number of Options Outstanding, at January 1	710,960		711,290
Number of Options, Granted	'		10,000
Number of Options, Forfeited	-8,000		'
Number of Options, Exercised	-2,000		-8,000
Number of Options Outstanding, at March 31	700,960	[1]	713,290	[1]
Number of Options, Exercisable at March 31	377,266		255,316
Aggregate Intrinsic Value at March 31	$1,319,400		$433,600
Weighted Average Exercise Price Outstanding, at January 1	$7.64		$7.54
Weighted Average Exercise Price, Granted	'		$8.93
Weighted Average Exercise Price, Forfeited	$7.27		'
Weighted Average Exercise Price, Exercised	$8.43		$7.28
Weighted Average Exercise Price at March 31	$7.71	[1]	$7.66	[1]
Weighted Average Exercise Price, Exercisable at March 31	$7.50		$7.46
Weighted Average Remaining Contractual Life, Outstanding	'6 years 7 months 6 days	[1]	'7 years 4 months 24 days	[1]
Weighted Average Remaining Contractual Life, Exercisable at March 31	'6 years 3 months 18 days		'7 years 3 months 18 days

[1]	Expected forfeitures are immaterial.

Stock_Benefit_Plan_Details_1

Stock Benefit Plan (Details 1) (USD $)	3 Months Ended
Stock Benefit Plan (Details 1) (USD $)	Mar. 31, 2013
Assumption used for share based compensation	'
Expected average risk-free interest rate	1.20%
Expected average life (in years)	'6 years 6 months
Expected volatility	40.27%
Expected dividend yield	2.24%
Weighted average per share fair value	$2.87

Stock_Benefit_Plan_Details_2

Stock Benefit Plan (Details 2) (Restricted common stock, USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
Restricted common stock	'	'
Restricted stock activity	'	'
Restricted Common Shares Outstanding, at January 1	7,425	4,950
Restricted Common Shares, Granted	'	'
Restricted Common Shares, Vested	'	'
Restricted Common Shares, Forfeited	'	'
Restricted Common Shares Outstanding, at March 31	7,425	4,950
Weighted Average Fair Value at Grant Date Outstanding, at January 1	$8.44	$7.68
Weighted Average Fair Value at Grant Date, Granted	'	'
Weighted Average Fair Value at Grant Date, Vested	'	'
Weighted Average Fair Value at Grant Date, Forfeited	'	'
Weighted Average Fair Value at Grant Date Outstanding, at March 31	$8.44	$7.68

Stock_Benefit_Plan_Details_3

Stock Benefit Plan (Details 3) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Recognized stock-based compensation expense and related tax effects	'	'
Total compensation expense	$117	$124
Tax benefit	2	2
Net income effect	115	122
Common stock options	'	'
Recognized stock-based compensation expense and related tax effects	'	'
Total compensation expense	111	121
Restricted common stock	'	'
Recognized stock-based compensation expense and related tax effects	'	'
Total compensation expense	$6	$3

Earnings_Per_Share_Details_Tex

Earnings Per Share (Details Textual)	3 Months Ended
Earnings Per Share (Details Textual)	Mar. 31, 2014	Mar. 31, 2013
Earnings Per Share (Textual) [Abstract]	'	'
Incremental shares due to stock option included in valuation of diluted earning per share	700,960	713,290
Restricted common stock	'	'
Earnings Per Share (Textual) [Abstract]	'	'
Antidilutive securities excluded from computation of earnings per share, amount	7,425	4,950

Earnings_Per_Share_Details

Earnings Per Share (Details) (USD $)	3 Months Ended		12 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Net income	$2,028	$1,515	$5,551
Weighted average shares outstanding	11,157,234	12,495,367	'
Basic earnings per share	$0.18	$0.12	'
Diluted weighted average shares outstanding	11,286,022	12,512,522	'
Diluted basic earnings per share	$0.18	$0.12	'

Regulatory_Matters_Details_Tex

Regulatory Matters (Details Textual)	Mar. 31, 2014
Regulatory Matters (Textual) [Abstract]	'
Tier I risk based capital ratio	13.16%
Total risk capital ratio	14.41%
Tier I leverage ratio	9.56%

Other_Comprehensive_Income_Det

Other Comprehensive Income (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Summary of the accumulated other comprehensive income (loss)	'	'
Beginning Balance	($2,951)	($679)
Other Comprehensive Income Before Reclassifications	979	-433
Amount Reclassified from Accumulated Other Comprehensive Income	'	-174
Amortization HTM Other Comprehensive Income	-19	'
Other Comprehensive Income	960	-607
Ending Balance	-1,991	-1,286
Net unrealized holding gain (loss) on securities available for sale, net of tax	'	'
Summary of the accumulated other comprehensive income (loss)	'	'
Beginning Balance	-2,951	-679
Other Comprehensive Income Before Reclassifications	979	-433
Amount Reclassified from Accumulated Other Comprehensive Income	'	-174
Amortization HTM Other Comprehensive Income	-19	'
Other Comprehensive Income	960	-607
Ending Balance	($1,991)	($1,286)

Other_Comprehensive_Income_Det1

Other Comprehensive Income (Details 1) (USD $)	1 Months Ended	3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Feb. 27, 2014	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Unrealized gains (losses) on securities available for sale:	'	'	'	'
Gain (Loss) on sale of collateral debt obligation securities	$1,900	'	'	'
Income tax expense	'	1,249	969	'
Net income, Net of Tax Amount	'	2,028	1,515	5,551
Reclassification out of Accumulated Other Comprehensive Income \| Net unrealized holding gain (loss) on securities available for sale, net of tax	'	'	'	'
Unrealized gains (losses) on securities available for sale:	'	'	'	'
Gain (Loss) on sale of collateral debt obligation securities	'	'	290	'
Previously unrealized loss on AFS securities transferred to HTM	'	35	'	'
Income tax expense	'	-16	-116	'
Net income, Net of Tax Amount	'	$19	$174	'