Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2013

Allowance for Loan Losses

Summary of allocation of the allowance as well as the activity in the allowance attributed to various segments in the loan portfolio

	Commercial and industrial			Commercial owner occupied			SBA			Warehouse			Commercial non-owner occupied			Multi- family			One-to- four family			Construction			Land			Other loans			Total
	(dollars in thousands)
Balance, December 31, 2012	$	1,310		$	1,512		$	79		$	1,544		$	1,459		$	1,145		$	862		$	—		$	31		$	52		$	7,994
Charge-offs	(291		)	(163		)	(16		)	—			(757		)	(101		)	(273		)	—			—			(7		)	(1,608		)
Recoveries	107			—			51			—			—			—			45			—			—			141			344
Provisions for (reduction in) loan losses	1,675			170			(64		)	(1,319		)	701			(538		)	540			121			116			(138		)	1,264
Balance, September 30, 2013	$	2,801		$	1,519		$	50		$	225		$	1,403		$	506		$	1,174		$	121		$	147		$	48		$	7,994
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	—		$	—		$	—		$	—		$	—		$	—		$	104		$	—		$	—		$	—		$	104
General portfolio allocation	2,801			1,519			50			225			1,403			506			1,070			121			147			48			7,890
Loans individually evaluated for impairment	68			—			14			—			437			—			642			—			—			—			1,161
Specific reserves to total loans individually evaluated for impairment	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	16.20		%	0.00		%	0.00		%	0.00		%	8.96		%
Loans collectively evaluated for impairment	$	173,652		$	222,162		$	6,441		$	49,104		$	304,542		$	218,929		$	152,025		$	2,835		$	7,371		$	3,793		$	1,140,854
General reserves to total loans collectively evaluated for impairment	1.61		%	0.68		%	0.78		%	0.46		%	0.46		%	0.23		%	0.70		%	4.27		%	1.99		%	1.27		%	0.69		%
Total gross loans	$	173,720		$	222,162		$	6,455		$	49,104		$	304,979		$	218,929		$	152,667		$	2,835		$	7,371		$	3,793		$	1,142,015
Total allowance to gross loans	1.61		%	0.68		%	0.77		%	0.46		%	0.46		%	0.23		%	0.77		%	4.27		%	1.99		%	1.27		%	0.70		%

	Commercial and industrial			Commercial owner occupied			SBA			Warehouse			Commercial non-owner occupied			Multi- family			One-to- four family			Construction			Land			Other loans			Total
	(dollars in thousands)
Balance, December 31, 2011	$	1,361		$	1,119		$	80		$	1,347		$	1,287		$	2,281		$	931		$	—		$	39		$	77		$	8,522
Charge-offs	(270		)	(405		)	(132		)	—			(88		)	—			(305		)	—			(5		)	(2		)	(1,207		)
Recoveries	2			—			162			—			2			—			7			—			—			25			198
Provisions for (reduction in) loan losses	(269		)	437			(44		)	(301		)	835			(184		)	(215		)	—			(34		)	(80		)	145
Balance, September 30, 2012	$	824		$	1,151		$	66		$	1,046		$	2,036		$	2,097		$	418		$	—		$	—		$	20		$	7,658
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	36		$	—		$	—		$	—		$	—		$	—		$	153		$	—		$	—		$	—		$	189
General portfolio allocation	788			1,151			66			1,046			2,036			2,097			265			—			—			20			7,469
Loans individually evaluated for impairment	60			—			309			—			460			1,394			643			—			—			—			2,866
Specific reserves to total loans individually evaluated for impairment	60.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	23.79		%	0.00		%	0.00		%	0.00		%	6.59		%
Loans collectively evaluated for impairment	$	88,045		$	148,139		$	4,427		$	112,053		$	261,586		$	172,090		$	62,128		$	308		$	11,005		$	2,191		$	861,972
General reserves to total loans collectively evaluated for impairment	0.89		%	0.78		%	1.49		%	0.93		%	0.78		%	1.22		%	0.43		%	0.00		%	0.00		%	0.91		%	0.87		%
Total gross loans	$	88,105		$	148,139		$	4,736		$	112,053		$	262,046		$	173,484		$	62,771		$	308		$	11,005		$	2,191		$	864,838
Total allowance to gross loans	0.94		%	0.78		%	1.39		%	0.93		%	0.78		%	1.21		%	0.67		%	0.00		%	0.00		%	0.91		%	0.89		%