Allowance For Loan Losses (Tables)

6 Months Ended

Jun. 30, 2013

Allowance For Loan Losses [Abstract]

Allowance For Loan Losses

Three Months Ended June 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)
2013
Balance, beginning of period	$	6,917	$	726	$	571	$	1,434	$	4,442	$	655	$	351	$	402	$	1,143	$	16,641
Charge-Offs		(355)		-		-		-		-		-		-		-		-		(355)
Recoveries		143		18		78		-		-		-		-		3		-		242
Provision (benefit)		(325)		109		(342)		(104)		(615)		(58)		(19)		(20)		1,374		-
Balance, end of period	$	6,380	$	853	$	307	$	1,330	$	3,827	$	597	$	332	$	385	$	2,517	$	16,528
Balance, end of period:
Individually evaluated
for impairment	$	54	$	215	$	-	$	-	$	-	$	-	$	18	$	-	$	-	$	287
Balance, end of period:
Collectively evaluated
for impairment	$	6,326	$	638	$	307	$	1,330	$	3,827	$	597	$	314	$	385	$	2,517	$	16,241
2012
Balance, beginning of period	$	6,083		728	$	490	$	1,174		3,430		593		297	$	302	$	3,191	$	16,288
Charge-Offs		-		-		-		(127)		-		-		-		-		-		(127)
Recoveries		223		-		12		-		-		-		-		5		-		240
Provision (benefit)		880		121		(99)		242		99		(18)		131		139		(1,406)		89
Balance, end of period	$	7,186	$	849	$	403	$	1,289	$	3,529	$	575	$	428	$	446	$	1,785	$	16,490
Balance, end of period:
Individually evaluated
for impairment	$	542	$	263	$	-	$	6	$	-	$	61	$	14	$	35	$	-	$	921
Balance, end of period:
Collectively evaluated
for impairment	$	6,644	$	586	$	403	$	1,283	$	3,529	$	514	$	414	$	411	$	1,785	$	15,569

Six Months Ended June 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)
2013
Balance, beginning of period	$	6,308	$	1,029	$	326	$	1,441	$	4,065	$	539	$	344	$	388	$	1,968	$	16,408
Charge-Offs		(355)		-		-		-		-		-		-		(14)		-		(369)
Recoveries		219		36		78		-		-		-		-		6		-		339
Provision (benefit)		208		(212)		(97)		(111)		(238)		58		(12)		5		549		150
Balance, end of period	$	6,380	$	853	$	307	$	1,330	$	3,827	$	597	$	332	$	385	$	2,517	$	16,528
Balance, end of period:
Individually evaluated
for impairment	$	54	$	215	$	-	$	-	$	-	$	-	$	18	$	-	$	-	$	287
Balance, end of period:
Collectively evaluated
for impairment	$	6,326	$	638	$	307	$	1,330	$	3,827	$	597	$	314	$	385	$	2,517	$	16,241
2012
Balance, beginning of period	$	6,783		468	$	1,169	$	1,272		2,975		788		374	$	418	$	2,256	$	16,503
Charge-Offs		(231)		-		-		(273)		-		(280)		-		-		-		(784)
Recoveries		572		-		12		-		-		-		-		9		-		593
Provision (benefit)		62		381		(778)		290		554		67		54		19		(471)		178
Balance, end of period	$	7,186	$	849	$	403	$	1,289	$	3,529	$	575	$	428	$	446	$	1,785	$	16,490
Balance, end of period:
Individually evaluated
for impairment	$	542	$	263	$	-	$	6	$	-	$	61	$	14	$	35	$	-	$	921
Balance, end of period:
Collectively evaluated
for impairment	$	6,644	$	586	$	403	$	1,283	$	3,529	$	514	$	414	$	411	$	1,785	$	15,569

Recorded Investment Segregated By Amounts Individually Or Collectively In Allowance For Loan Losses

(In Thousands)	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		Total
June 30, 2013
Balance, end of period	$	299,033	$	33,143	$	19,552	$	78,189	$	224,121	$	32,751	$	16,728	$	18,055	$	721,572
Balance, end of period:
Individually evaluated
for impairment	$	1,468	$	1,215	$	2,248	$	1,724	$	2,555	$	1,479	$	284	$	228	$	11,201
Balance, end of period:
Collectively evaluated
for impairment	$	297,565	$	31,928	$	17,304	$	76,465	$	221,566	$	31,272	$	16,444	$	17,827	$	710,371
December 31, 2012
Balance, end of period	$	273,432	$	32,573	$	21,061	$	78,107	$	234,643	$	31,809	$	17,714	$	18,305	$	707,644
Balance, end of period:
Individually evaluated
for impairment	$	2,452	$	794	$	2,748	$	1,083		2,260	$	3,505		93	$	158	$	13,093
Balance, end of period:
Collectively evaluated
for impairment	$	270,980	$	31,779	$	18,313	$	77,024	$	232,383	$	28,304	$	17,621	$	18,147	$	694,551

Balance Of The Allowance Segregated By Segment And Class

(In Thousands)	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
June 30, 2013
Individually evaluated for
impairment:
AQR Substandard	$	287	$	54	$	215	$	-	$	-	$	-	$	-	$	18	$	-	$	-
Collectively evaluated for
impairment:
AQR Pass		13,138		6,027		563		276		1,248		3,790		597		277		360		-
AQR Special Mention		536		273		75		31		82		34		-		37		4		-
AQR Substandard		50		26		-		-		-		3		-		-		21		-
AQR Doubtful		-		-		-		-		-		-		-		-		-		-
Unallocated		2,517		-		-		-		-		-		-		-		-		2,517
	$	16,528	$	6,380	$	853	$	307	$	1,330	$	3,827	$	597	$	332	$	385	$	2,517
December 31, 2012
Individually evaluated for
impairment:
AQR Substandard	$	284	$	284	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
AQR Doubtful		374		160		214		-		-		-		-		-		-		-
Collectively evaluated for
impairment:
AQR Pass		12,930		5,520		711		326		1,242		3,961		539		280		351		-
AQR Special Mention		490		321		16		-		51		34		-		56		12		-
AQR Substandard		362		23		88		-		148		70		-		8		25		-
Unallocated		1,968		-		-		-		-		-		-		-		-		1,968
	$	16,408	$	6,308	$	1,029	$	326	$	1,441	$	4,065	$	539	$	344	$	388	$	1,968