XML 63 R12.htm IDEA: XBRL DOCUMENT v2.4.0.6
Allowance for Loan and Lease Losses and Credit Disclosures
 12 Months Ended
Dec. 31, 2012
Allowance for Loan and Lease Losses and Credit Disclosures [Abstract]  
Allowance for Loan and Lease Losses and Credit Disclosures
Note 4 - Allowance for Loan and Lease Losses and Credit Disclosures
 
Activity in the allowance for loan and lease losses for the years ended December 31, 2012, 2011 and 2010 follows:

 
 
2012
 
 
2011
 
 
2010
 
 
 
 
 
 
 
 
 
 
 
Balance at beginning of year
 
$
18,984
 
 
$
18,336
 
 
$
18,027
 
Provision charged to operating expense
 
 
11,100
 
 
 
6,900
 
 
 
9,668
 
Loans charged off
 
 
(9,432
)
 
 
(6,396
)
 
 
(9,490
)
Recoveries on loans previously charged off
 
 
75
 
 
 
144
 
 
 
131
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at end of year
 
$
20,727
 
 
$
18,984
 
 
$
18,336
 

Further detail as to the activity in the allowance for loan and lease losses by segment for the year ended December 31, 2012 and 2011 follows:

For the year ended December 31, 2012
 
Allowance for Loan and Lease Losses
 
 
 
Beginning
 
 
 
 
 
 
 
 
 
 
 
Ending
 
 
 
Balance
 
 
Charge-offs
 
 
Recoveries
 
 
Provision
 
 
Balance
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
792
 
 
$
(620
)
 
$
22
 
 
$
567
 
 
$
761
 
Real estate-construction
 
 
3,149
 
 
 
(3,239
)
 
 
0
 
 
 
4,696
 
 
 
4,606
 
Real estate mortgage 1-4 family
 
 
865
 
 
 
(197
)
 
 
21
 
 
 
648
 
 
 
1,337
 
Real estate mortgage 5+ family
 
 
1,646
 
 
 
0
 
 
 
0
 
 
 
(99
)
 
 
1,547
 
Real estate mortgage commercial
 
 
12,018
 
 
 
(4,669
)
 
 
30
 
 
 
4,196
 
 
 
11,575
 
Home equity
 
 
500
 
 
 
(668
)
 
 
0
 
 
 
1,046
 
 
 
878
 
Leases
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
Installment
 
 
14
 
 
 
(39
)
 
 
2
 
 
 
46
 
 
 
23
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
18,984
 
 
$
(9,432
)
 
$
75
 
 
$
11,100
 
 
$
20,727
 
 
For the year ended December 31, 2011
 
Allowance for Loan and Lease Losses
 
 
 
Beginning
 
 
 
 
 
 
 
 
 
 
 
Ending
 
 
 
Balance
 
 
Charge-offs
 
 
Recoveries
 
 
Provision
 
 
Balance
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
1,013
 
 
$
(911
)
 
$
51
 
 
$
639
 
 
$
792
 
Real estate-construction
 
 
2,842
 
 
 
(326
)
 
 
1
 
 
 
632
 
 
 
3,149
 
Real estate mortgage 1-4 family
 
 
988
 
 
 
(531
)
 
 
7
 
 
 
401
 
 
 
865
 
Real estate mortgage 5+ family
 
 
1,025
 
 
 
(3,121
)
 
 
0
 
 
 
3,742
 
 
 
1,646
 
Real estate mortgage commercial
 
 
11,977
 
 
 
(1,326
)
 
 
82
 
 
 
1,285
 
 
 
12,018
 
Home equity
 
 
468
 
 
 
(175
)
 
 
0
 
 
 
207
 
 
 
500
 
Leases
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
Installment
 
 
23
 
 
 
(6
)
 
 
3
 
 
 
(6
)
 
 
14
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
18,336
 
 
$
(6,396
)
 
$
144
 
 
$
6,900
 
 
$
18,984
 
 
Below shows the allocation of the allowance for loan and lease losses by segment to loans and leases individually and collectively evaluated for impairment at December 31, 2012 and 2011:

At December 31, 2012
 
 
 
 
 
 
 
Allowance
 
 
 
 
 
Allowance
 
 
 
 
 
 
 
 
 
for Loan
 
 
 
 
 
for Loan
 
 
 
 
 
 
 
 
 
Losses
 
 
 
 
 
Losses
 
 
 
Ending
 
 
 
 
 
Allocated to
 
 
 
 
 
Allocated to
 
 
 
Balance
 
 
Loans
 
 
Loans
 
 
Loans
 
 
Loans
 
 
 
Total
 
 
Individually
 
 
Individually
 
 
Collectively
 
 
Collectively
 
 
 
Loans
 
 
Evaluated
 
 
Evaluated
 
 
Evaluated
 
 
Evaluated
 
 
 
and
 
 
for
 
 
for
 
 
for
 
 
for
 
 
 
Leases
 
 
Impairment
 
 
Impairment
 
 
Impairment
 
 
Impairment
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
13,120
 
 
$
120
 
 
$
108
 
 
$
13,000
 
 
$
653
 
Real estate-construction
 
 
21,128
 
 
 
14,093
 
 
 
3,316
 
 
 
7,036
 
 
 
1,290
 
Real estate mortgage 1-4 family
 
 
32,417
 
 
 
4,544
 
 
 
873
 
 
 
27,873
 
 
 
464
 
Real estate mortgage 5+ family
 
 
27,787
 
 
 
1,645
 
 
 
77
 
 
 
26,142
 
 
 
1,470
 
Real estate mortgage commercial
 
 
159,729
 
 
 
61,521
 
 
 
9,170
 
 
 
98,209
 
 
 
2,405
 
Home equity
 
 
17,365
 
 
 
828
 
 
 
330
 
 
 
16,537
 
 
 
548
 
Leases
 
 
12
 
 
 
0
 
 
 
0
 
 
 
11
 
 
 
0
 
Installment
 
 
1,291
 
 
 
2
 
 
 
2
 
 
 
1,289
 
 
 
21
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at December 31, 2012
 
$
272,849
 
 
$
82,753
 
 
$
13,876
 
 
$
190,097
 
 
$
6,851
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
At December 31, 2011
 
 
 
 
 
 
 
Allowance
 
 
 
 
 
Allowance
 
 
 
 
 
 
 
 
 
for Loan
 
 
 
 
 
for Loan
 
 
 
 
 
 
 
 
 
Losses
 
 
 
 
 
Losses
 
 
 
Ending
 
 
 
 
 
Allocated to
 
 
 
 
 
Allocated to
 
 
 
Balance
 
 
Loans
 
 
Loans
 
 
Loans
 
 
Loans
 
 
 
Total
 
 
Individually
 
 
Individually
 
 
Collectively
 
 
Collectively
 
 
 
Loans
 
 
Evaluated
 
 
Evaluated
 
 
Evaluated
 
 
Evaluated
 
 
 
and
 
 
for
 
 
for
 
 
for
 
 
for
 
 
 
Leases
 
 
Impairment
 
 
Impairment
 
 
Impairment
 
 
Impairment
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
15,827
 
 
$
655
 
 
$
273
 
 
$
15,172
 
 
$
519
 
Real estate-construction
 
 
28,504
 
 
 
6,876
 
 
 
2,044
 
 
 
21,628
 
 
 
1,105
 
Real estate mortgage 1-4 family
 
 
35,758
 
 
 
5,163
 
 
 
396
 
 
 
30,595
 
 
 
469
 
Real estate mortgage 5+ family
 
 
35,977
 
 
 
3,987
 
 
 
0
 
 
 
31,990
 
 
 
1,646
 
Real estate mortgage commercial
 
 
183,881
 
 
 
54,074
 
 
 
8,561
 
 
 
129,807
 
 
 
3,457
 
Home equity
 
 
21,266
 
 
 
443
 
 
 
141
 
 
 
20,823
 
 
 
359
 
Leases
 
 
295
 
 
 
0
 
 
 
0
 
 
 
295
 
 
 
0
 
Installment
 
 
1,476
 
 
 
0
 
 
 
0
 
 
 
1,476
 
 
 
14
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at December 31, 2011
 
$
322,984
 
 
$
71,198
 
 
$
11,415
 
 
$
251,786
 
 
$
7,569
 
 
Below shows the age analysis of the past due loans and leases by segment and class at December 31, 2012 and 2011:

At December 31, 2012
 
 
 
 
 
 
 
 
Greater
 
 
 
 
 
Total
 
 
 
 
 
 
 
 
 
30-59 Days
 
 
60-89 Days
 
 
Than 90 Days
 
 
Total
 
 
Loans and
 
 
Still
 
 
 
Current
 
 
Past Due
 
 
Past Due
 
 
Past Due
 
 
Past Due
 
 
Leases
 
 
Accruing
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
13,060
 
 
$
39
 
 
$
0
 
 
$
21
 
 
$
60
 
 
$
13,120
 
 
$
0
 
Real estate-construction 1-4 family
 
 
11,978
 
 
 
0
 
 
 
0
 
 
 
18
 
 
 
18
 
 
 
11,996
 
 
 
0
 
Other
 
 
9,132
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
9,132
 
 
 
0
 
Real estate-mortgage 1-4 family
 
 
30,234
 
 
 
791
 
 
 
542
 
 
 
850
 
 
 
2,183
 
 
 
32,417
 
 
 
168
 
Real estate-mortgage 5+ family
 
 
26,915
 
 
 
0
 
 
 
0
 
 
 
872
 
 
 
872
 
 
 
27,787
 
 
 
275
 
Real estate-mortgage commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
41,917
 
 
 
35
 
 
 
1,227
 
 
 
3,892
 
 
 
5,154
 
 
 
47,071
 
 
 
0
 
Non-owner occupied
 
 
55,681
 
 
 
1,222
 
 
 
1,129
 
 
 
8,903
 
 
 
11,254
 
 
 
66,935
 
 
 
0
 
Hotel industry
 
 
38,533
 
 
 
0
 
 
 
3,112
 
 
 
4,078
 
 
 
7,190
 
 
 
45,723
 
 
 
1,379
 
Home equity
 
 
15,430
 
 
 
443
 
 
 
566
 
 
 
926
 
 
 
1,935
 
 
 
17,365
 
 
 
98
 
Leases
 
 
12
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
12
 
 
 
0
 
Installment
 
 
1,272
 
 
 
6
 
 
 
0
 
 
 
13
 
 
 
19
 
 
 
1,291
 
 
 
11
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at December 31, 2012
 
$
244,164
 
 
$
2,536
 
 
$
6,576
 
 
$
19,573
 
 
$
28,685
 
 
$
272,849
 
 
$
1,931
 
 
At December 31, 2011
 
 
 
 
 
 
 
 
Greater
 
 
 
 
 
Total
 
 
 
 
 
 
 
 
 
30-59 Days
 
 
60-89 Days
 
 
Than 90 Days
 
 
Total
 
 
Loans and
 
 
Still
 
 
 
Current
 
 
Past Due
 
 
Past Due
 
 
Past Due
 
 
Past Due
 
 
Leases
 
 
Accruing
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
15,273
 
 
$
6
 
 
$
0
 
 
$
548
 
 
$
554
 
 
$
15,827
 
 
$
0
 
Real estate-construction 1-4 family
 
 
14,084
 
 
 
0
 
 
 
0
 
 
 
2,716
 
 
 
2,716
 
 
 
16,800
 
 
 
152
 
Other
 
 
9,820
 
 
 
0
 
 
 
0
 
 
 
1,884
 
 
 
1,884
 
 
 
11,704
 
 
 
0
 
Real estate-mortgage 1-4 family
 
 
32,539
 
 
 
1,672
 
 
 
284
 
 
 
1,263
 
 
 
3,219
 
 
 
35,758
 
 
 
0
 
Real estate-mortgage 5+ family
 
 
32,227
 
 
 
0
 
 
 
0
 
 
 
3,750
 
 
 
3,750
 
 
 
35,977
 
 
 
0
 
Real estate-mortgage commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
53,911
 
 
 
265
 
 
 
471
 
 
 
7,850
 
 
 
8,586
 
 
 
62,497
 
 
 
0
 
Non-owner occupied
 
 
73,162
 
 
 
575
 
 
 
227
 
 
 
450
 
 
 
1,252
 
 
 
74,414
 
 
 
0
 
Hotel industry
 
 
46,970
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
46,970
 
 
 
0
 
Home equity
 
 
20,288
 
 
 
206
 
 
 
71
 
 
 
701
 
 
 
978
 
 
 
21,266
 
 
 
322
 
Leases
 
 
295
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
295
 
 
 
0
 
Installment
 
 
1,442
 
 
 
15
 
 
 
3
 
 
 
16
 
 
 
34
 
 
 
1,476
 
 
 
16
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at December 31, 2011
 
$
300,011
 
 
$
2,739
 
 
$
1,056
 
 
$
19,178
 
 
$
22,973
 
 
$
322,984
 
 
$
490
 
 
The Company utilizes a loan rating system as a means of identifying problem and potential problem loans. Below shows the loan ratings of loans and leases by segment and class at December 31, 2012 and 2011:

At December 31, 2012
 
Pass
 
 
Watch
 
 
Substandard
 
 
Nonaccrual
 
 
Doubtful
 
 
Total
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
10,680
 
 
$
2,320
 
 
$
99
 
 
$
21
 
 
$
0
 
 
$
13,120
 
Real estate-construction 1-4 family
 
 
1,769
 
 
 
147
 
 
 
10,062
 
 
 
18
 
 
 
0
 
 
 
11,996
 
Other
 
 
133
 
 
 
0
 
 
 
8,999
 
 
 
0
 
 
 
0
 
 
 
9,132
 
Real estate-mortgage 1-4 family
 
 
22,811
 
 
 
4,594
 
 
 
4,116
 
 
 
896
 
 
 
0
 
 
 
32,417
 
Real estate-mortgage 5+ family
 
 
16,401
 
 
 
6,566
 
 
 
4,222
 
 
 
598
 
 
 
0
 
 
 
27,787
 
Real estate-mortgage commercial
 
 
 
 
 
 
0
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
22,880
 
 
 
9,535
 
 
 
10,764
 
 
 
3,892
 
 
 
0
 
 
 
47,071
 
Non-owner occupied
 
 
32,607
 
 
 
12,682
 
 
 
11,615
 
 
 
10,031
 
 
 
0
 
 
 
66,935
 
Hotel industry
 
 
2,294
 
 
 
20,782
 
 
 
19,948
 
 
 
2,699
 
 
 
0
 
 
 
45,723
 
Home equity
 
 
16,019
 
 
 
186
 
 
 
332
 
 
 
828
 
 
 
0
 
 
 
17,365
 
Leases
 
 
12
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
12
 
Installment
 
 
1,289
 
 
 
0
 
 
 
0
 
 
 
2
 
 
 
0
 
 
 
1,291
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at December 31, 2012
 
$
126,895
 
 
$
56,812
 
 
$
70,157
 
 
$
18,985
 
 
$
0
 
 
$
272,849
 


At December 31, 2011
 
Pass
 
 
Watch
 
 
Substandard
 
 
Nonaccrual
 
 
Doubtful
 
 
Total
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
12,587
 
 
$
2,247
 
 
$
445
 
 
$
548
 
 
$
0
 
 
$
15,827
 
Real estate-construction 1-4 family
 
 
2,345
 
 
 
4,230
 
 
 
7,662
 
 
 
2,563
 
 
 
0
 
 
 
16,800
 
Other
 
 
277
 
 
 
6,602
 
 
 
2,941
 
 
 
1,884
 
 
 
0
 
 
 
11,704
 
Real estate-mortgage 1-4 family
 
 
25,430
 
 
 
4,968
 
 
 
4,097
 
 
 
1,263
 
 
 
0
 
 
 
35,758
 
Real estate-mortgage 5+ family
 
 
25,105
 
 
 
6,885
 
 
 
0
 
 
 
3,987
 
 
 
0
 
 
 
35,977
 
Real estate-mortgage commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
31,778
 
 
 
12,211
 
 
 
10,186
 
 
 
8,322
 
 
 
0
 
 
 
62,497
 
Non-owner occupied
 
 
41,096
 
 
 
20,031
 
 
 
12,837
 
 
 
450
 
 
 
0
 
 
 
74,414
 
Hotel industry
 
 
3,784
 
 
 
9,358
 
 
 
33,828
 
 
 
0
 
 
 
0
 
 
 
46,970
 
Home equity
 
 
19,527
 
 
 
792
 
 
 
504
 
 
 
443
 
 
 
0
 
 
 
21,266
 
Leases
 
 
247
 
 
 
48
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
295
 
Installment
 
 
1,476
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
1,476
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at December 31, 2011
 
$
163,652
 
 
$
67,372
 
 
$
72,500
 
 
$
19,460
 
 
$
0
 
 
$
322,984
 
 
Management has defined recorded investment to be the borrower's principal balance less partial charge-offs. The following table presents loans and leases by segment and class individually evaluated for impairment at December 31, 2012 and 2011:

 
 
At December 31, 2012
 
 
For the Year 2012
 
 
 
 
 
 
Unpaid
 
 
 
 
 
Average
 
 
Interest
 
 
 
Recorded
 
 
Principal
 
 
Related
 
 
Recorded
 
 
Income
 
 
 
Investment
 
 
Balance
 
 
Allowance
 
 
Investment
 
 
Recognized
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
With no related allowance recorded:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
0
 
 
$
0
 
 
$
0
 
 
$
0
 
 
$
0
 
Real estate-construction 1-4 family
 
 
0
 
 
 
0
 
 
 
0
 
 
 
2,965
 
 
 
75
 
Other
 
 
4,012
 
 
 
4,012
 
 
 
0
 
 
 
3,762
 
 
 
108
 
Real estate-mortgage 1-4 family
 
 
1,313
 
 
 
1,313
 
 
 
0
 
 
 
1,806
 
 
 
30
 
Real estate-mortgage 5+ family
 
 
833
 
 
 
833
 
 
 
0
 
 
 
2,724
 
 
 
0
 
Real estate-mortgage commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
8,701
 
 
 
8,701
 
 
 
0
 
 
 
7,675
 
 
 
317
 
Non-owner occupied
 
 
3,784
 
 
 
3,784
 
 
 
0
 
 
 
3,385
 
 
 
90
 
Hotel industry
 
 
286
 
 
 
286
 
 
 
0
 
 
 
292
 
 
 
18
 
Home equity
 
 
252
 
 
 
438
 
 
 
0
 
 
 
159
 
 
 
0
 
Leases
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
Installment
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
With an allowance recorded:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
 
120
 
 
 
120
 
 
 
108
 
 
 
358
 
 
 
6
 
Real estate-construction 1-4 family
 
 
10,081
 
 
 
10,751
 
 
 
3,316
 
 
 
6,119
 
 
 
182
 
Other
 
 
0
 
 
 
0
 
 
 
0
 
 
 
479
 
 
 
0
 
Real estate-mortgage 1-4 family
 
 
3,231
 
 
 
3,231
 
 
 
873
 
 
 
1,374
 
 
 
38
 
Real estate-mortgage 5+ family
 
 
812
 
 
 
812
 
 
 
77
 
 
 
243
 
 
 
10
 
Real estate-mortgage commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
5,261
 
 
 
7,891
 
 
 
571
 
 
 
6,582
 
 
 
49
 
Non-owner occupied
 
 
10,230
 
 
 
10,230
 
 
 
1,666
 
 
 
4,422
 
 
 
16
 
Hotel industry
 
 
22,360
 
 
 
25,960
 
 
 
6,572
 
 
 
27,037
 
 
 
1,057
 
Home equity
 
 
576
 
 
 
576
 
 
 
330
 
 
 
742
 
 
 
0
 
Leases
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
Installment
 
 
2
 
 
 
2
 
 
 
2
 
 
 
0
 
 
 
0
 
Total:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
120
 
 
$
120
 
 
$
108
 
 
$
358
 
 
$
6
 
Real estate-construction
 
 
14,093
 
 
 
14,763
 
 
 
3,316
 
 
 
13,325
 
 
 
365
 
Real estate-mortgage 1-4 family
 
 
4,544
 
 
 
4,544
 
 
 
873
 
 
 
3,180
 
 
 
68
 
Real estate-mortgage 5+ family
 
 
1,645
 
 
 
1,645
 
 
 
77
 
 
 
2,967
 
 
 
10
 
Real estate-mortgage commercial
 
 
50,622
 
 
 
56,852
 
 
 
8,809
 
 
 
49,393
 
 
 
1,547
 
Home equity
 
 
828
 
 
 
1,014
 
 
 
330
 
 
 
901
 
 
 
0
 
Leases
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
Installment
 
 
2
 
 
 
2
 
 
 
2
 
 
 
0
 
 
 
0
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
71,854
 
 
$
78,940
 
 
$
13,515
 
 
$
70,124
 
 
$
1,996
 
 

 
 
At December 31, 2011
 
 
For the Year 2011
 
 
 
 
 
 
Unpaid
 
 
 
 
 
Average
 
 
Interest
 
 
 
Recorded
 
 
Principal
 
 
Related
 
 
Recorded
 
 
Income
 
 
 
Investment
 
 
Balance
 
 
Allowance
 
 
Investment
 
 
Recognized
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
With no related allowance recorded:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
0
 
 
$
0
 
 
$
0
 
 
$
152
 
 
$
0
 
Real estate-construction 1-4 family
 
 
34
 
 
 
34
 
 
 
0
 
 
 
4,607
 
 
 
176
 
Other
 
 
734
 
 
 
2,468
 
 
 
0
 
 
 
1,109
 
 
 
0
 
Real estate-mortgage 1-4 family
 
 
2,039
 
 
 
2,039
 
 
 
0
 
 
 
3,391
 
 
 
96
 
Real estate-mortgage 5+ family
 
 
3,987
 
 
 
3,987
 
 
 
0
 
 
 
8,856
 
 
 
38
 
Real estate-mortgage commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
5,254
 
 
 
5,254
 
 
 
0
 
 
 
6,333
 
 
 
185
 
Non-owner occupied
 
 
3,927
 
 
 
3,927
 
 
 
0
 
 
 
10,281
 
 
 
408
 
Hotel industry
 
 
3,034
 
 
 
3,034
 
 
 
0
 
 
 
2,758
 
 
 
132
 
Home equity
 
 
30
 
 
 
30
 
 
 
0
 
 
 
67
 
 
 
20
 
Leases
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
Installment
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
With an allowance recorded:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
 
655
 
 
 
1,416
 
 
 
273
 
 
 
1,026
 
 
 
1
 
Real estate-construction 1-4 family
 
 
4,958
 
 
 
4,958
 
 
 
1,960
 
 
 
4,861
 
 
 
103
 
Other
 
 
1,150
 
 
 
1,150
 
 
 
84
 
 
 
1,150
 
 
 
22
 
Real estate-mortgage 1-4 family
 
 
3,124
 
 
 
3,124
 
 
 
396
 
 
 
2,899
 
 
 
131
 
Real estate-mortgage 5+ family
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
Real estate-mortgage commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
10,319
 
 
 
10,319
 
 
 
2,974
 
 
 
9,549
 
 
 
97
 
Non-owner occupied
 
 
746
 
 
 
746
 
 
 
458
 
 
 
746
 
 
 
2
 
Hotel industry
 
 
30,794
 
 
 
34,393
 
 
 
5,129
 
 
 
31,523
 
 
 
1,139
 
Home equity
 
 
413
 
 
 
413
 
 
 
141
 
 
 
1,621
 
 
 
2
 
Leases
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
Installment
 
 
0
 
 
 
0
 
 
 
0
 
 
 
6
 
 
 
1
 
Total:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
655
 
 
$
1,416
 
 
$
273
 
 
$
1,178
 
 
$
1
 
Real estate-construction
 
 
6,876
 
 
 
8,610
 
 
 
2,044
 
 
 
11,727
 
 
 
301
 
Real estate-mortgage 1-4 family
 
 
5,163
 
 
 
5,163
 
 
 
396
 
 
 
6,290
 
 
 
227
 
Real estate-mortgage 5+ family
 
 
3,987
 
 
 
3,987
 
 
 
0
 
 
 
8,856
 
 
 
38
 
Real estate-mortgage commercial
 
 
54,074
 
 
 
57,673
 
 
 
8,561
 
 
 
61,190
 
 
 
1,963
 
Home equity
 
 
443
 
 
 
443
 
 
 
141
 
 
 
1,688
 
 
 
22
 
Leases
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
Installment
 
 
0
 
 
 
0
 
 
 
0
 
 
 
6
 
 
 
1
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
71,198
 
 
$
77,292
 
 
$
11,415
 
 
$
90,935
 
 
$
2,553
 
 
The following table presents the number of loans and leases classified as troubled debt restructurings during 2012 and 2011 by segment and class with the pre-modification recorded investment balances prior to classification as troubled debt restructurings and the post-modification recorded investment balances as of December 31, 2012 and 2011:

 
 
December 31, 2012
 
 
December 31, 2011
 
 
 
 
 
 
Pre-Modification
 
 
Post-Modification
 
 
 
 
 
Pre-Modification
 
 
Post-Modification
 
 
 
 
 
 
Outstanding
 
 
Outstanding
 
 
 
 
 
Outstanding
 
 
Outstanding
 
 
 
Number of
 
 
Recorded
 
 
Recorded
 
 
Number of
 
 
Recorded
 
 
Recorded
 
 
 
Loans
 
 
Investment
 
 
Investment
 
 
Loans
 
 
Investment
 
 
Investment
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
 
0
 
 
$
0
 
 
$
0
 
 
 
1
 
 
$
109
 
 
$
108
 
Real estate-construction 1-4 family
 
 
3
 
 
 
8,319
 
 
 
8,319
 
 
 
2
 
 
 
1,177
 
 
 
1,181
 
Other
 
 
1
 
 
 
4,012
 
 
 
4,012
 
 
 
0
 
 
 
0
 
 
 
0
 
Real estate-mortgage 1-4 family
 
 
10
 
 
 
2,641
 
 
 
2,641
 
 
 
24
 
 
 
2,438
 
 
 
2,405
 
Real estate-mortgage 5+ family
 
 
3
 
 
 
1,049
 
 
 
1,047
 
 
 
0
 
 
 
0
 
 
 
0
 
Real estate-mortgage commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
3
 
 
 
3,234
 
 
 
3,177
 
 
 
9
 
 
 
6,894
 
 
 
6,852
 
Non-owner occupied
 
 
2
 
 
 
1,248
 
 
 
1,238
 
 
 
4
 
 
 
3,146
 
 
 
3,146
 
Hotel industry
 
 
0
 
 
 
0
 
 
 
0
 
 
 
1
 
 
 
5,433
 
 
 
5,500
 
Home equity
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
Leases
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
Installment
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
 
22
 
 
$
20,503
 
 
$
20,434
 
 
 
41
 
 
$
19,197
 
 
$
19,192
 
 
The following table presents number and recorded investment of loans and leases classified as trouble debt restructurings by segment and class during 2012 and 2011 that subsequently defaulted:

 
 
Troubled Debt Restructurings that Subsequently Defaulted
 
 
 
During the Year Ended
 
 
During the Year Ended
 
 
 
December 31, 2012
 
 
December 31, 2011
 
 
 
Number of
 
 
Recorded
 
 
Number of
 
 
Recorded
 
 
 
Loans
 
 
Investment
 
 
Loans
 
 
Investment
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
 
0
 
 
$
0
 
 
 
0
 
 
$
0
 
Real estate-construction 1-4 Family
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
Other
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
Real estate-mortgage 1-4 family
 
 
1
 
 
 
142
 
 
 
0
 
 
 
0
 
Real estate-mortgage 5+ family
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
Real estate-mortgage commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
0
 
 
 
0
 
 
 
3
 
 
 
765
 
Non-owner occupied
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
Hotel industry
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
Home equity
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
Leases
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
Installment
 
 
0
 
 
 
0
 
 
 
0
 
 
 
0
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
 
1
 
 
$
142
 
 
 
3
 
 
$
765