Loans (Tables)

9 Months Ended

Sep. 30, 2012



	September 30, 2012		December 31, 2011
	Amount	Percent of Total	Amount	Percent of Total
Commercial and industrial	$ 173,137	50.75%	$ 168,417	51.64%
Commercial real estate	137,922	40.43%	126,525	38.80%
Residential real estate	24,407	7.15%	25,847	7.93%
Consumer	5,687	1.67%	5,350	1.63%
Loans held for investment	341,153	100.00%	326,139	100.00%
Allowance for loan and lease losses	(4,658)		(4,280)
Loans held for investment, net of allowance	336,495		321,859
Loans held for sale	74,632		-
Total loans	$ 411,127		$ 321,859



	For the three months ended September 30,
	2012	2011
Balance at beginning of period	$ 4,323	$ 2,986
Charge-offs:
Commercial and industrial	51	312
Commercial real estate	119	723
Residential real estate	-	21
Consumer	-	(1)
Overdrafts	1	4
Total charge-offs	171	1,059
Recoveries:
Commercial and industrial	-	25
Commercial real estate	-	-
Residential real estate	-	-
Consumer	3	-
Overdrafts	-	-
Total recoveries	3	25
Net charge-offs	168	1,034
Provision for loan and lease losses	476	1,620
Less: Amount for unfunded commitments	27	(151)
Balance at end of period	$ 4,658	$ 3,421

	For the nine months ended September 30,
	2012	2011
Balance at beginning of period	$ 4,280	$ 1,766
Charge-offs:
Commercial and industrial	51	312
Commercial real estate	900	973
Residential real estate	-	71
Consumer	-	3
Overdrafts	8	11
Total charge-offs	959	1,370
Recoveries:
Commercial and industrial	-	67
Commercial real estate	19	8
Residential real estate	-	-
Consumer	3	-
Overdrafts	2	1
Total recoveries	24	76
Net charge-offs	935	1,294
Provision for loan and lease losses	1,383	3,100
Less: Amount for unfunded commitments	(70)	(151)
Balance at end of period	$ 4,658	$ 3,421



	September 30, 2012
		Individually Evaluated	Collectively Evaluated
	Total Amount	for Impairment	for Impairment
Balance at end of period applicable to:
Commercial and industrial	$ 1,115	$ 277	$ 838
Commercial real estate	3,365	1,103	2,262
Residential real estate	152	7	145
Consumer	26	16	10
Total allowance for loan and lease losses	$ 4,658	$ 1,403	$ 3,255

	December 31, 2011
		Individually Evaluated	Collectively Evaluated
	Total Amount	for Impairment	for Impairment
Balance at end of period applicable to:
Commercial and industrial	$ 748	$ -	$ 748
Commercial real estate	3,370	1,318	2,052
Residential real estate	133	-	133
Consumer	29	-	29
Total allowance for loan and lease losses	$ 4,280	$ 1,318	$ 2,962



	September 30, 2012	December 31, 2011
Balance at beginning of period	$ 14,007	$ 3,833
Additions	-	15,787
Accretion	(2,658)	(3,568)
Disposals	(2,309)	(2,045)
Balance at end of period	$ 9,040	$ 14,007