Allowance For Loan Losses (Tables)

9 Months Ended

Sep. 30, 2013

Allowance For Loan Losses [Abstract]

Allowance For Loan Losses

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)
2013
Balance, beginning of period	$	6,380	$	853	$	307	$	1,330	$	3,827	$	597	$	332	$	385	$	2,517	$	16,528
Charge-Offs		(399)		-		-		-		-		-		-		-		-		(399)
Recoveries		675		18		-		-		489		-		-		2		-		1,184
Provision (benefit)		(359)		(256)		111		36		(242)		(13)		13		(14)		(61)		(785)
Balance, end of period	$	6,297	$	615	$	418	$	1,366	$	4,074	$	584	$	345	$	373	$	2,456	$	16,528
Balance, end of period:
Individually evaluated
for impairment	$	150	$	15	$	-	$	-	$	-	$	-	$	-	$	19	$	-	$	184
Balance, end of period:
Collectively evaluated
for impairment	$	6,147	$	600	$	418	$	1,366	$	4,074	$	584	$	345	$	354	$	2,456	$	16,344
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

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 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		(754)		-		-		-		-		-		-		(14)		-		(768)
Recoveries		894		54		78		-		489		-		-		8		-		1,523
Provision (benefit)		(151)		(468)		14		(75)		(480)		45		1		(9)		488		(635)
Balance, end of period	$	6,297	$	615	$	418	$	1,366	$	4,074	$	584	$	345	$	373	$	2,456	$	16,528
Balance, end of period:
Individually evaluated
for impairment	$	150	$	15	$	-	$	-	$	-	$	-	$	-	$	19	$	-	$	184
Balance, end of period:
Collectively evaluated
for impairment	$	6,147	$	600	$	418	$	1,366	$	4,074	$	584	$	345	$	354	$	2,456	$	16,344
2012
Balance, beginning of period	$	6,784		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)		(2,653)		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

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
September 30, 2013
Balance, end of period	$	304,531	$	33,343	$	27,103	$	82,680	$	243,065	$	32,462	$	16,815	$	18,164	$	758,163
Balance, end of period:
Individually evaluated
for impairment	$	1,294	$	660	$	2,848	$	1,803	$	2,483	$	1,293	$	89	$	224	$	10,694
Balance, end of period:
Collectively evaluated
for impairment	$	303,237	$	32,683	$	24,255	$	80,877	$	240,582	$	31,169	$	16,726	$	17,940	$	747,469
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
September 30, 2013
Individually evaluated for
impairment:
AQR Pass	$	19	$	-	$	-	$	-	$	-	$	-	$	-	$	19	$	-	$	-
AQR Substandard		15		-		-		-		-		-		-		15		-		-
AQR Doubtful		150		150		-		-		-		-		-		-		-		-
Collectively evaluated for
impairment:
AQR Pass		13,229		5,793		536		416		1,306		3,961		584		274		359		-
AQR Special Mention		634		339		79		2		60		112		-		36		6		-
AQR Substandard		25		15		-		-		-		1		-		1		8		-
AQR Doubtful		-		-		-		-		-		-		-		-		-		-
Unallocated		2,456		-		-		-		-		-		-		-		-		2,456
	$	16,528	$	6,297	$	615	$	418	$	1,366	$	4,074	$	584	$	345	$	373	$	2,456
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