Loans (Tables)

12 Months Ended

Dec. 31, 2012

Loans [Abstract]

Information relating to loans

Information relating to loans at December 31 is summarized as follows:

	2012		2011
	(In thousands)
Construction and land development	$	60,736	$	49,184
Commercial real estate		486,828		508,353
Residential real estate		569,331		546,246
Commerical and financial		61,903		53,105
Consumer		46,930		50,611
Other		353		575
NET LOAN BALANCES	$	1,226,081	$	1,208,074

(1) Net loan balances at December 31, 2012 and 2011 include deferred costs of $1,530,000 and $1,632,000, respectively.

The contractual aging of the recorded investment in past due loans

The following tables present the contractual aging of the recorded investment in past due loans by class of loans as of December 31, 2012 and 2011:

December 31, 2012	Accruing 30-59  Days Past Due		Accruing 60-89  Days Past Due		Greater Than 90 Days		Nonaccrual		Current		Total Financing Receivables
	(In thousands)
Construction and land development	$	7	$	0	$	0	$	1,342	$	59,387	$	60,736
Commercial real estate		832		5		0		17,234		468,757		486,828
Residential real estate		1,179		1,377		1		22,099		544,675		569,331
Commerical and financial		41		0		0		0		61,862		61,903
Consumer		109		0		0		280		46,541		46,930
Other		0		0		0		0		353		353
Total	$	2,168	$	1,382	$	1	$	40,955	$	1,181,575	$	1,226,081
December 31, 2011	Accruing 30-59 Days Past Due		Accruing 60-89 Days Past Due		Greater Than 90 Days		Nonaccrual		Current		Total Financing Receivables
	(In thousands)
Construction and land development	$	6	$	215	$	0	$	2,227	$	46,736	$	49,184
Commercial real estate		836		0		0		13,120		494,397		508,353
Residential real estate		2,979		607		0		12,555		530,105		546,246
Commerical and financial		80		0		0		16		53,009		53,105
Consumer		246		74		0		608		49,683		50,611
Other		0		0		0		0		575		575
Total	$	4,147	$	896	$	0	$	28,526	$	1,174,505	$	1,208,074

The risk category, class of loans and the recorded investment

The following tables present the risk category of loans by class of loans based on the most recent analysis performed and the contractual aging as of December 31, 2012 and 2011:

	Construction						Commercial
	& Land		Commercial		Residential		and
December 31, 2012	Development		Real Estate		Real Estate		Financial		Consumer		Total
					(In thousands)
Pass	$	54,994	$	414,023	$	527,891	$	61,123	$	45,907	$	1,103,938
Special mention		1,717		12,137		1,686		587		450		16,577
Substandard		0		22,180		36		193		256		22,665
Doubtful		0		0		0		0		0		0
Nonaccrual		1,342		17,234		22,099		0		280		40,955
Pass-Troubled debt restructures		2,103		6,513		0		0		0		8,616
Troubled debt restructures		580		14,741		17,619		0		390		33,330
	$	60,736	$	486,828	$	569,331	$	61,903	$	47,283	$	1,226,081

	Construction						Commercial
	& Land		Commercial		Residential		and
December 31, 2011	Development		Real Estate		Real Estate		Financial		Consumer		Total
					(In thousands)
Pass	$	42,899	$	387,161	$	505,316	$	51,375	$	49,299	$	1,036,050
Special mention		802		57,334		5,529		1,445		523		65,633
Substandard		90		5,558		133		168		305		6,254
Doubtful		0		0		0		0		0		0
Nonaccrual		2,227		13,120		12,555		16		608		28,526
Troubled debt restructures		3,166		45,180		22,713		101		451		71,611
	$	49,184	$	508,353	$	546,246	$	53,105	$	51,186	$	1,208,074