Loans (Tables)

3 Months Ended

Mar. 31, 2014

Loans [Abstract]

Loans Held For Investment By Loan Type

		March 31,		December 31,
		2014		2013
		(In thousands)
Commercial and residential real estate	$	904,124	$	866,507
Construction		67,862		77,657
Commercial		288,865		271,843
Agricultural		10,917		10,772
Consumer		60,010		60,932
SBA		30,839		31,010
Other		570		2,039
Total gross loans		1,363,187		1,320,760
Unearned loan fees		(875)		(843)
Loans, held for investment, net of unearned loan fees		1,362,312		1,319,917
Less allowance for loan losses		(21,550)		(21,005)
Net loans, held for investment	$	1,340,762	$	1,298,912

Allowance For Loan Losses

		Three Months Ended March 31,
		2014		2013
		(In thousands)
Balance, beginning of period	$	21,005	$	25,142
Provision (credit) for loan losses		(6)		-
Loans charged-off		(407)		(1,523)
Recoveries on loans previously
charged-off		958		441
Balance, end of period	$	21,550	$	24,060

Allowance For Loan Losses And Loans Held For Investment By Portfolio Segment

		Real Estate		Consumer and  Installment		Commercial and Other		Total
		(In thousands)
Allowance for Loan Losses
Balance as of December 31, 2013	$	18,475	$	52	$	2,478	$	21,005
Charge-offs		(8)		(11)		(388)		(407)
Recoveries		890		5		63		958
Provision (credit)		(615)		4		605		(6)
Balance as of March 31, 2014	$	18,742	$	50	$	2,758	$	21,550

Balances at March 31, 2014:
Allowance for Loan Losses
Individually evaluated	$	98	$	1	$	5	$	104
Collectively evaluated		18,644		49		2,753		21,446
Total	$	18,742	$	50	$	2,758	$	21,550
Loans
Individually evaluated	$	20,158	$	27	$	177	$	20,362
Collectively evaluated		1,085,032		3,569		253,349		1,341,950
Total	$	1,105,190	$	3,596	$	253,526	$	1,362,312

		Real Estate		Consumer and  Installment		Commercial and Other		Total
		(In thousands)
Allowance for Loan Losses
Balance as of December 31, 2012	$	19,550	$	76	$	5,516	$	25,142
Charge-offs		(742)		(8)		(773)		(1,523)
Recoveries		372		25		44		441
Provision (credit)		483		115		(598)		-
Balance as of March 31, 2013	$	19,663	$	208	$	4,189	$	24,060

Balances at December 31, 2013:
Allowance for Loan Losses
Individually evaluated	$	352	$	1	$	212	$	565
Collectively evaluated		18,123		51		2,266		20,440
Total	$	18,475	$	52	$	2,478	$	21,005
Loans
Individually evaluated	$	21,045	$	27	$	631	$	21,703
Collectively evaluated		1,075,051		3,929		219,234		1,298,214
Total	$	1,096,096	$	3,956	$	219,865	$	1,319,917

Schedule Of Impaired Loans

March 31, 2014		Recorded Investment		Unpaid  Balance		Related Allowance		Average Recorded Investment YTD		Interest Income Recognized  YTD
		(In thousands)
Impaired loans with no related allowance:
Commercial and residential real estate	$	16,068	$	17,216	$	-	$	16,268	$	57
Construction		-		-		-		-		-
Commercial		160		160		-		227		3
Consumer		166		168		-		272		3
Other		191		472		-		197		-
Total	$	16,585	$	18,016	$	-	$	16,964	$	63
Impaired loans with a related allowance:
Commercial and residential real estate	$	2,758	$	3,778	$	69	$	2,736	$	13
Construction		-		-		-		-		-
Commercial		205		774		6		436		2
Consumer		728		783		27		772		2
Other		86		173		2		126		-
Total	$	3,777	$	5,508	$	104	$	4,070	$	17
Total impaired loans:
Commercial and residential real estate	$	18,826	$	20,994	$	69	$	19,004	$	70
Construction		-		-		-		-		-
Commercial		365		934		6		663		5
Consumer		894		951		27		1,044		5
Other		277		645		2		323		-
Total impaired loans	$	20,362	$	23,524	$	104	$	21,034	$	80

December 31, 2013		Recorded Investment		Unpaid  Balance		Related Allowance		Average Recorded Investment YTD		Interest Income Recognized  YTD
		(In thousands)
Impaired loans with no related allowance:
Commercial and residential real estate	$	16,467	$	17,497	$	-	$	12,516	$	244
Construction		-		-		-		2,703		-
Commercial		294		294		-		362		15
Consumer		378		379		-		515		11
Other		202		472		-		774		-
Total	$	17,341	$	18,642	$	-	$	16,870	$	270
Impaired loans with a related allowance:
Commercial and residential real estate	$	2,714	$	3,699	$	182	$	6,677	$	73
Construction		-		-		-		2,735		-
Commercial		666		1,236		220		1,453		9
Consumer		816		862		93		738		7
Other		166		359		70		286		-
Total	$	4,362	$	6,156	$	565	$	11,889	$	89
Total impaired loans:
Commercial and residential real estate	$	19,181	$	21,196	$	182	$	19,193	$	317
Construction		-		-		-		5,438		-
Commercial		960		1,530		220		1,815		24
Consumer		1,194		1,241		93		1,253		18
Other		368		831		70		1,060		-
Total impaired loans	$	21,703	$	24,798	$	565	$	28,759	$	359

Summary Of Past Due Loans By Class

March 31, 2014		30-89 Days Past Due		90 Days + Past Due and Still Accruing		Nonaccrual Loans		Total Past Due		Total Loans, Held for Investment
		(In thousands)
Commercial and residential
real estate	$	176	$	-	$	13,624	$	13,800	$	903,551
Construction		-		-		-		-		67,812
Commercial		39		-		112		151		288,679
Consumer		55		-		592		647		59,971
Other		162		-		277		439		42,299
Total	$	432	$	-	$	14,605	$	15,037	$	1,362,312

December 31, 2013		30-89 Days Past Due		90 Days + Past Due and Still Accruing		Nonaccrual Loans		Total Past Due		Total Loans, Held for Investment
		(In thousands)
Commercial and residential
real estate	$	590	$	-	$	13,560	$	14,150	$	865,960
Construction		277		-		-		277		77,601
Commercial		616		-		624		1,240		271,670
Consumer		146		-		924		1,070		60,893
Other		494		-		368		862		43,793
Total	$	2,123	$	-	$	15,476	$	17,599	$	1,319,917

Summary Of The Risk Category Of Loans By Class Of Loans

March 31, 2014		Commercial & Residential Real Estate		Construction		Commercial Loans		Consumer		Other		Total
		(In thousands)
Non-classified	$	885,526	$	67,862	$	288,267	$	58,388	$	40,387	$	1,340,430
Substandard		18,598		-		598		1,622		1,939		22,757
Doubtful		-		-		-		-		-		-
Subtotal		904,124		67,862		288,865		60,010		42,326		1,363,187
Less: Unearned loan fees		(573)		(50)		(186)		(39)		(27)		(875)
Loans, held for investment, net
of unearned loan fees	$	903,551	$	67,812	$	288,679	$	59,971	$	42,299	$	1,362,312

December 31, 2013		Commercial & Residential Real Estate		Construction		Commercial Loans		Consumer		Other		Total
		(In thousands)
Non-classified	$	847,231	$	77,657	$	270,511	$	58,868	$	41,771	$	1,296,038
Substandard		19,276		-		1,332		2,064		2,050		24,722
Doubtful		-		-		-		-		-		-
Subtotal		866,507		77,657		271,843		60,932		43,821		1,320,760
Less: Unearned loan fees		(547)		(56)		(173)		(39)		(28)		(843)
Loans, held for investment, net
of unearned loan fees	$	865,960	$	77,601	$	271,670	$	60,893	$	43,793	$	1,319,917

Loans By Class Modified As Troubled Debt Restructurings

Three Months Ended March 31, 2014:
Troubled Debt Restructurings	Number of Loans		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
			(In thousands)
Commercial and residential
real estate	4	$	211	$	211
Construction	-		-		-
Commercial	-		-		-
Consumer	1		35		35
Other	1		86		86
Total	6	$	332	$	332

Three Months Ended March 31, 2013:
Troubled Debt Restructurings	Number of Loans		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
			(In thousands)
Commercial and residential
real estate	1	$	1,050	$	876
Construction	-		-		-
Commercial	-		-		-
Consumer	-		-		-
Other	-		-		-
Total	1	$	1,050	$	876