Loans (Tables)

12 Months Ended

Dec. 31, 2012

Loans

Schedule of major classifications of loans

	2012		2011
Commercial	$	86,941	$	98,099
Real estate - commercial	579,687		704,492
Real estate - construction	42,167		71,436
Real estate - residential	414,543		477,200
Consumer	3,101		3,789
Overdraft	994		457
Lease financing receivables	6,060		2,087
Other	16,451		11,498
	1,149,944		1,369,058
Net deferred loan fees and costs	106		(73		)
	$	1,150,050	$	1,368,985

Schedule of aged analysis of past due loans by class of loans

December 31, 2012	30-59 Days Past Due		60-89 Days Past Due		90 Days or Greater Past Due		Total Past Due		Current		Nonaccrual		Total Loans		Recorded Investment 90 days or Greater Past Due and Accruing
Commercial	$	159	$	—	$	—	$	159	$	92,080	$	762	$	93,001	$	—
Real estate - commercial
Owner occupied general purpose	1,580		50		—		1,630		119,994		5,487		127,111		—
Owner occupied special purpose	172		—		—		172		149,439		11,433		161,044		—
Non-owner occupied general purpose	—		1,046		—		1,046		128,817		13,436		143,299		—
Non-owner occupied special purpose	—		4,304		—		4,304		69,299		477		74,080		—
Retail properties	—		—		—		—		37,732		10,532		48,264		—
Farm	—		—		—		—		23,372		2,517		25,889		—
Real estate - construction
Homebuilder	—		—		—		—		4,469		1,855		6,324		—
Land	—		—		—		—		2,747		254		3,001		—
Commercial speculative	—		—		—		—		10,755		6,587		17,342		—
All other	300		215		68		583		14,360		557		15,500		68
Real estate - residential
Investor	276		164		—		440		140,141		9,910		150,491		—
Owner occupied	3,151		375		21		3,547		110,735		9,918		124,200		21
Revolving and junior liens	888		203		—		1,091		134,990		3,771		139,852		—
Consumer	3		—		—		3		3,075		23		3,101		—
All other(1)	—		—		—		—		17,551		—		17,551		—
	$	6,529	$	6,357	$	89	$	12,975	$	1,059,556	$	77,519	$	1,150,050	$	89

December 31, 2011	30-59 Days Past Due		60-89 Days Past Due		90 Days or Greater Past Due		Total Past Due		Current		Nonaccrual		Total Loans		Recorded Investment 90 days or Greater Past Due and Accruing
Commercial	$	161	$	20	$	—	$	181	$	98,840	$	1,165	$	100,186	$	—
Real estate - commercial
Owner occupied general purpose	912		—		—		912		137,250		12,744		150,906		—
Owner occupied special purpose	—		39		—		39		172,624		16,564		189,227		—
Non-owner occupied general purpose	471		—		318		789		147,099		12,893		160,781		318
Non-owner occupied special purpose	—		—		—		—		107,425		1,814		109,239		—
Retail properties	—		—		—		—		42,535		15,897		58,432		—
Farm	197		—		—		197		34,136		1,574		35,907		—
Real estate - construction
Homebuilder	—		—		—		—		8,725		10,193		18,918		—
Land	—		—		—		—		7,976		2,025		10,001		—
Commercial speculative	—		669		—		669		5,154		14,217		20,040		—
All other	—		74		—		74		17,714		4,689		22,477		—
Real estate - residential
Investor	338		3,562		—		3,900		162,101		15,111		181,112		—
Owner occupied	3,414		573		—		3,987		119,266		15,059		138,312		—
Revolving and junior liens	1,525		166		—		1,691		153,244		2,841		157,776		—
Consumer	8		—		—		8		3,781		—		3,789		—
All other(1)	—		—		—		—		11,882		—		11,882		—
	$	7,026	$	5,103	$	318	$	12,447	$	1,229,752	$	126,786	$	1,368,985	$	318

(1) The above loan totals include net unearned and deferred loan fees and costs included in All other.

Schedule of credit quality indicators by class of loans

December 31, 2012	Pass		Special Mention		Substandard (1)		Doubtful		Total Loans
Commercial	$	88,071	$	3,867	$	1,063	$	—	$	93,001
Real estate - commercial
Owner occupied general purpose	113,118		2,995		10,998		—		127,111
Owner occupied special purpose	134,152		9,036		17,856		—		161,044
Non-owner occupied general purpose	105,192		14,273		23,834		—		143,299
Non-owner occupied special purpose	68,682		3,911		1,487		—		74,080
Retail Properties	32,715		1,873		13,676		—		48,264
Farm	21,262		2,110		2,517		—		25,889
Real estate - construction
Homebuilder	1,318		2,196		2,810		—		6,324
Land	2,747		—		254		—		3,001
Commercial speculative	7,122		—		10,220		—		17,342
All other	14,607		37		856		—		15,500
Real estate - residential
Investor	123,876		14,608		12,007		—		150,491
Owner occupied	110,858		396		12,946		—		124,200
Revolving and junior leins	133,992		166		5,694		—		139,852
Consumer	3,075		—		26		—		3,101
All other	17,331		220		—		—		17,551
Total	$	978,118	$	55,688	$	116,244	$	—	$	1,150,050

December 31, 2011	Pass		Special Mention		Substandard (1)		Doubtful		Total Loans
Commercial	$	94,456	$	3,350	$	2,380	$	—	$	100,186
Real estate - commercial
Owner occupied general purpose	115,175		11,695		24,036		—		150,906
Owner occupied special purpose	154,650		5,254		29,323		—		189,227
Non-owner occupied general purpose	102,178		19,292		39,311		—		160,781
Non-owner occupied special purpose	85,931		6,017		17,291		—		109,239
Retail Properties	26,391		11,660		20,381		—		58,432
Farm	26,629		5,605		3,673		—		35,907
Real estate - construction
Homebuilder	4,206		2,905		11,807		—		18,918
Land	3,755		3,032		3,214		—		10,001
Commercial speculative	1,306		—		18,734		—		20,040
All other	17,448		303		4,726		—		22,477
Real estate - residential
Investor	119,494		28,478		33,140		—		181,112
Owner occupied	118,658		271		19,383		—		138,312
Revolving and junior leins	151,928		821		5,027		—		157,776
Consumer	3,776		—		13		—		3,789
All other	10,755		1,127		—		—		11,882
Total	$	1,036,736	$	99,810	$	232,439	$	—	$	1,368,985

(1) The substandard credit quality indicator includes both potential problem loans that are currently performing and nonperforming loans

Schedule of impaired loans by class of loan

							Year to date
							December 31, 2012
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded
Commercial	$	196	$	229	$	—	$	354	$	—
Commercial real estate
Owner occupied general purpose	4,473		5,021		—		4,616		—
Owner occupied special purpose	7,180		8,486		—		9,893		—
Non-owner occupied general purpose	14,356		17,381		—		11,329		270
Non-owner occupied special purpose	477		634		—		928		—
Retail properties	8,780		15,323		—		6,683		—
Farm	2,517		2,517		—		1,798		—
Construction
Homebuilder	4,155		4,729		—		7,413		119
Land	254		308		—		1,140		—
Commercial speculative	2,265		3,451		—		5,907		—
All other	78		168		—		2,193		—
Residential
Investor	5,168		6,979		—		4,075		—
Owner occupied	9,389		11,002		—		10,635		249
Revolving and junior liens	1,368		1,689		—		1,428		4
Consumer	23		23				11		—
Total impaired loans with no recorded allowance	60,679		77,940		—		68,403		642
With an allowance recorded
Commercial	566		619		458		610		—
Commercial real estate
Owner occupied general purpose	1,014		1,057		230		4,499		—
Owner occupied special purpose	4,253		6,200		712		4,106		—
Non-owner occupied general purpose	2,779		3,906		204		5,588		—
Non-owner occupied special purpose	—		—		—		217		—
Retail properties	1,752		1,812		1,102		6,531		—
Farm	—		—		—		248		—
Construction
Homebuilder	26		75		3		1,115		—
Land	—		—		—		—		—
Commercial speculative	4,322		6,613		757		4,495		—
All other	479		649		353		430		—
Residential
Investor	4,742		5,954		477		8,514		—
Owner occupied	5,909		6,923		1,089		7,141		40
Revolving and junior liens	2,464		2,625		874		1,908		—
Consumer	—		—		—		—		—
Total impaired loans with a recorded allowance	28,306		36,433		6,259		45,402		40
Total impaired loans	$	88,985	$	114,373	$	6,259	$	113,805	$	682

Impaired loans by class of loan as of December 31, 2011 were as follows:

							Year to date
							December 31, 2011
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded
Commercial	$	512	$	560	$	—	$	271	$	—
Commercial real estate
Owner occupied general purpose	4,759		6,538		—		5,632		—
Owner occupied special purpose	12,606		15,862		—		11,659		—
Non-owner occupied general purpose	8,301		11,734		—		9,659		218
Non-owner occupied special purpose	1,380		1,545		—		2,563		—
Retail properties	4,586		5,920		—		7,416		—
Farm	1,078		1,198		—		910		—
Construction
Homebuilder	10,672		17,643		—		15,540		134
Land	2,025		6,222		—		5,799		—
Commercial speculative	9,549		27,134		—		9,629		—
All other	4,309		6,576		—		4,979		—
Residential
Investor	2,981		11,927		—		7,594		—
Owner occupied	11,880		13,487		—		13,552		99
Revolving and junior liens	1,489		1,693		—		1,231		—
Consumer	—		—				4		—
Total impaired loans with no recorded allowance	76,127		128,039		—		96,438		451
With an allowance recorded
Commercial	653		740		392		2,144		—
Commercial real estate
Owner occupied general purpose	7,985		8,291		1,397		10,045		—
Owner occupied special purpose	3,958		5,448		407		9,616		—
Non-owner occupied general purpose	8,397		9,942		2,187		11,501		—
Non-owner occupied special purpose	434		437		98		4,375		—
Retail properties	11,311		12,389		3,506		12,719		—
Farm	496		496		28		248		—
Construction
Homebuilder	2,204		2,816		376		4,149		—
Land	—		—		—		5,522		—
Commercial speculative	4,668		5,371		1,683		4,920		—
All other	380		422		225		373		—
Residential
Investor	12,287		12,844		1,808		10,909		13
Owner occupied	8,373		9,762		626		9,316		164
Revolving and junior liens	1,352		1,656		321		969		—
Consumer	—		—		—		—		—
Total impaired loans with a recorded allowance	62,498		70,614		13,054		86,806		177
Total impaired loans	$	138,625	$	198,653	$	13,054	$	183,244	$	628

Schedule of TDR modified during the period by type of modification

	TDR Modifications
	Twelve months ended 12/31/12
	# of contracts	Pre-modification recorded investment		Post-modification recorded investment
Troubled debt restructurings
Real estate - commercial
Deferral(3)	3	$	1,772	$	1,369
Interest(4)	1	2,921		2,685
Other(5)	1	105		102
Real estate - construction
Interest(4)	1	460		412
Real estate - residential
Investor
Other(5)	1	174		174
Owner occupied
Deferral(3)	2	513		145
Bifurcate(1)	1	337		87
Other(5)	2	214		147
Revolving and junior liens
HAMP	1	117		61
	13	$	6,613	$	5,182

	TDR Modifications
	Twelve months ended 12/31/11
	# of contracts	Pre-modification recorded investment		Post-modification recorded investment
Troubled debt restructurings
Commercial
Deferral(3)	1	$	41	$	17
Real estate - commercial
Deferral(3)	4	2,160		587
Bifurcate(1)	2	1,550		1,513
Real estate - construction
Deferral(3)	1	68		66
Bifurcate(1)	1	688		688
Real estate - residential
Investor
Deferral(3)	1	1,052		969
HAMP(2)	1	306		157
Owner occupied
HAMP(2)	3	515		405
Deferral(3)	2	264		265
	16	$	6,644	$	4,667

(1) Bifurcate: Refers to an “A/B” restructure separated into two notes, charging off the entire B portion of the note.

(2) HAMP: Home Affordable Modification Program

(3) Deferral: Refers to the deferral of principal

(4) Interest: Refers to change of interest rate

(5) Other: Change of terms from bankruptcy court

Schedule of TDR that subsequently defaulted

	TDR Default Activity			TDR Default Activity
	Twelve Months ending December 31, 2012			Twelve Months ending December 31, 2011
Troubled debt restructurings that Subsequently Defaulted	# of contracts	Pre-modification outstanding recorded investment		# of contracts	Pre-modification outstanding recorded investment
Real estate - commercial
Owner occupied general purpose	—	$	—	2	$	1,702
Non-owner occupied general purpose	—	—		1	331
Real estate - construction
Commercial speculative	1	460		1	68
Real estate - residential
Investor	—	—		2	1,248
Owner occupied	—	—		11	1,803
	1	$	460	17	$	5,152

Schedule of loans to principal officers, directors, and their affiliates, made in the ordinary course of business

	2012			2011
Beginning balance	$	4,318		$	6,171
New loans	13,486			9,306
Repayments and other reductions	(14,118		)	(9,461		)
Change in related party status	(100		)	(1,698		)
Ending balance	$	3,586		$	4,318