Allowance For Loan Losses (Tables)

9 Months Ended

Sep. 30, 2012



Three Months Ended September 30,	Commercial		Real estate construction one-to-four family		Real estate construction other		Real estate term owner occupied		Real estate term non-owner occupied		Real estate term other		Consumer secured by 1st deeds of trust		Consumer other		Unallocated		Total
	(In Thousands)
2012
Balance, beginning of period	$	7,186	$	849	$	403	$	1,289	$	3,529	$	575	$	428	$	446	$	1,785	$	16,490
Charge-Offs		(30)		-		-		-		-		-		-		(39)		-		(69)
Recoveries		1,429		18		-		-		-		50		-		9		-		1,506
Provision (benefit)		(2,713)		160		(166)		37		303		(36)		(92)		97		973		(1,437)
Balance, end of period	$	5,872		1,027	$	237	$	1,326	$	3,832	$	589	$	336	$	513	$	2,758	$	16,490
Balance, end of period:
Individually evaluated
for impairment	$	465	$	230	$	-	$	-	$	-	$	34	$	13	$	-	$	-	$	742
Balance, end of period:
Collectively evaluated
for impairment	$	5,407	$	797	$	237	$	1,326	$	3,832	$	555	$	323	$	513	$	2,758	$	15,748

2011
Balance, beginning of period	$	6,703	$	895	$	737	$	1,222	$	3,157	$	591	$	446	$	473	$	1,350	$	15,574
Charge-Offs		(349)		-		-		-		-		-		-		(5)		-		(354)
Recoveries		298				12						-				13		-		323
Provision (benefit)		(621)		(371)		266		210		(172)		498		(138)		(175)		1,052		550
Balance, end of period	$	6,031		524	$	1,015	$	1,432	$	2,986	$	1,090	$	308	$	306	$	2,402	$	16,093
Balance, end of period:
Individually evaluated
for impairment	$	710	$	-	$	50	$	-	$	25	$	-	$	-	$	5	$	-	$	790
Balance, end of period:
Collectively evaluated
for impairment	$	5,321	$	524	$	965	$	1,432	$	2,961	$	1,090	$	308	$	301	$	2,402	$	15,303



Nine Months Ended September 30,	Commercial		Real estate construction one-to-four family		Real estate construction other		Real estate term owner occupied		Real estate term non-owner occupied		Real estate term other		Consumer secured by 1st deed of trust		Consumer other		Unallocated		Total
	(In Thousands)
2012
Balance, beginning of period	$	6,783	$	622	$	521	$	1,426	$	3,421	$	681	$	402	$	390	$	2,256	$	16,503
Charge-Offs		(260)		-		-		(274)		-		(280)		-		(39)		-		(853)
Recoveries		2,001		30		-		-		-		50		-		18		-		2,099
Provision (benefit)		(2,652)		375		(284)		174		411		138		(66)		144		502		(1,259)
Balance, end of period	$	5,872	$	1,027	$	237	$	1,326	$	3,832	$	589	$	336	$	513	$	2,758	$	16,490
Balance, end of period:
Individually evaluated
for impairment	$	465	$	230	$	-	$	-	$	-	$	34	$	13	$	-	$	-	$	742
Balance, end of period:
Collectively evaluated
for impairment	$	5,407	$	797	$	237	$	1,326	$	3,832	$	555	$	323	$	513	$	2,758	$	15,748

2011
Balance, beginning of period	$	6,374		459	$	576	$	1,029		2,890		351		337	$	404	$	1,986	$	14,406
Charge-Offs		(913)		-		-		-				(90)				(70)		-		(1,073)
Recoveries		997		1		24		-		-		53		-		36		-		1,111
Provision (benefit)		(427)		64		415		403		96		776		(29)		(64)		416		1,649
Balance, end of period	$	6,031	$	524	$	1,015	$	1,432	$	2,986	$	1,090	$	308	$	306	$	2,402	$	16,093
Balance, end of period:
Individually evaluated
for impairment	$	710	$	-	$	50	$	-	$	25	$	-	$	-	$	5	$	-	$	790
Balance, end of period:
Collectively evaluated
for impairment	$	5,321	$	524	$	965	$	1,432	$	2,961	$	1,090	$	308	$	301	$	2,402	$	15,303



	Commercial		Real estate construction one-to-four family		Real estate construction other		Real estate term owner occupied		Real estate term non-owner occupied		Real estate term other		Consumer secured by 1st deed of trust		Consumer other		Total
	(In Thousands)
September 30, 2012
Balance, end of period	$	251,195	$	31,508	$	15,825	$	77,935	$	227,910	$	33,591	$	17,841	$	19,188	$	674,993
Balance, end of period:
Individually evaluated
for impairment	$	2,240	$	810	$	2,748	$	526	$	2,311	$	4,076	$	268	$	169	$	13,148
Balance, end of period:
Collectively evaluated
for impairment	$	248,955	$	30,698	$	13,077	$	77,409	$	225,599	$	29,515	$	17,573	$	19,019	$	661,845

September 30, 2011
Balance, end of period	$	228,538	$	26,420	$	19,564	$	82,400	$	196,613	$	37,450	$	21,010	$	20,599	$	632,594
Balance, end of period:
Individually evaluated
for impairment	$	4,778		-	$	1,999		-		3,379	$	321		98	$	292	$	10,867
Balance, end of period:
Collectively evaluated
for impairment	$	223,760	$	26,420	$	17,565	$	82,400	$	193,234	$	37,129	$	20,912	$	20,307	$	621,727



	Total		Commercial		Real estate construction 1-4 family		Real estate construction other		Real estate term owner occupied		Real estate term non-owner occupied		Real estate term other		Consumer secured by 1st deeds of trust		Consumer other		Unallocated
			(In Thousands)
September 30, 2012
Individually evaluated for impairment:
AQR Pass	$	41	$	28	$	-	$	-	$	-	$	-	$	-	$	13	$	-	$	-
AQR Special Mention		78		78		-		-		-		-		-		-		-		-
AQR Substandard		264		-		230		-		-		-		34		-		-
AQR Doubtful		186		186		-		-		-		-		-		-		-
AQR Loss		173		173		-		-		-		-		-		-		-
Collectively evaluated for impairment:
AQR Pass		12,262		5,079		743		225		1,244		3,795		554		273		349
AQR Special Mention		458		293		41		-		43		34		1		25		21		-
AQR Substandard		270		35		13		12		39		3		-		25		143		-
AQR Doubtful		-		-		-		-		-		-		-		-		-		-
AQR Loss		-		-		-		-		-		-		-		-		-		-
Unallocated		2,758		-		-		-		-		-		-		-		-		2,758
	$	16,490	$	5,872	$	1,027	$	237	$	1,326	$	3,832	$	589	$	336	$	513	$	2,758

September 30, 2011
Individually evaluated for impairment:
AQR Pass	$	25	$	-	$	-	$	-	$	-	$	25	$	-	$	-	$	-	$	-
AQR Special Mention		20		20		-		-		-		-		-		-		-
AQR Substandard		99		44		-		50		-		-		-		-		5
AQR Doubtful		218		218		-		-		-		-		-		-		-
AQR Loss		428		428		-		-		-		-		-		-		-
Collectively evaluated for impairment:
AQR Pass		10,023		4,207		524		247		1,156		2,813		491		300		285		-
AQR Special Mention		1,102		1,027		-		-		9		39		4		8		15		-
AQR Substandard		1,776		87		-		718		267		109		594		-		1		-
AQR Doubtful		-		-		-		-		-		-		-		-		-		-
AQR Loss		-		-		-		-		-		-		-		-		-		-
Unallocated		2,402		-		-		-		-		-		-		-		-		2,402
	$	16,093	$	6,031	$	524	$	1,015	$	1,432	$	2,986	$	1,090	$	308	$	306	$	2,402