Allowance For Loan Losses

3 Months Ended

Mar. 31, 2013

Allowance For Loan Losses [Abstract]

Allowance For Loan Losses

NOTE 6 – Allowance for Loan Losses

The table below shows the activity in and the composition of the allowance for loan losses by loan segment and class detail as of and for the three months ended March 31, 2013 and 2012.

(dollars in thousands)	Builder & developer			Commercial real estate investor		Residential real estate investor			Hotel/ Motel		Wholesale  & retail			Manufacturing			Agriculture		Other			Total commercial related
Allowance for loan losses:
Balance, January 1, 2013	$	1,571		$	1,259	$	1,195		$	485	$	1,913		$	237		$	202	$	1,170		$	8,032
Charge-offs		0			0		0			0		0			0			0		0			0
Recoveries		0			0		0			0		4			0			0		0			4
Provisions		(37	)		27		1			29		(85	)		(13	)		35		(14	)		(57	)
Balance, March 31, 2013	$	1,534		$	1,286	$	1,196		$	514	$	1,832		$	224		$	237	$	1,156		$	7,979
Balance, January 1, 2012	$	2,170		$	2,003	$	505		$	394	$	1,806		$	151		$	184	$	907		$	8,120
Charge-offs		0			0		0			0		0			0			0		0			0
Recoveries		0			0		0			0		6			0			0		0			6
Provisions		(191	)		10		(5	)		49		(96	)		0			9		108			(116	)
Balance, March 31, 2012	$	1,979		$	2,013	$	500		$	443	$	1,716		$	151		$	193	$	1,015		$	8,010

(dollars in thousands)	Residential mortgage			Home equity			Other			Total consumer related			Unallocated		Total
Allowance for loan losses:
Balance, January 1, 2013	$	124		$	237		$	238		$	599		$	671	$	9,302
Charge-offs		0			(75	)		(32	)		(107	)		0		(107	)
Recoveries		0			1			26			27			0		31
Provisions		(76	)		152			(35	)		41			276		260
Balance, March 31, 2013	$	48		$	315		$	197		$	560		$	947	$	9,486
Balance, January 1, 2012	$	88		$	86		$	171		$	345		$	237	$	8,702
Charge-offs		(39	)		0			(51	)		(90	)		0		(90	)
Recoveries		17			0			4			21			0		27
Provisions		51			1			39			91			275		250
Balance, March 31, 2012	$	117		$	87		$	163		$	367		$	512	$	8,889

The table below shows the allowance amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment at March 31, 2013 and 2012 and December 31, 2012.

(dollars in thousands)	Builder & developer		Commercial real estate investor		Residential real estate investor		Hotel/Motel		Wholesale & retail		Manufacturing		Agriculture		Other		Total commercial related
Allowance for loan losses:
Individually evaluated for impairment	$	62	$	0	$	700	$	0	$	0	$	0	$	100	$	170	$	1,032
Collectively evaluated for impairment		1,472		1,286		496		514		1,832		224		137		986		6,947
Balance, March 31, 2013	$	1,534	$	1,286	$	1,196	$	514	$	1,832	$	224	$	237	$	1,156	$	7,979
Individually evaluated for impairment	$	147	$	0	$	700	$	0	$	0	$	0	$	100	$	215	$	1,162
Collectively evaluated for impairment		1,424		1,259		495		485		1,913		237		102		955		6,870
Balance, December 31, 2012	$	1,571	$	1,259	$	1,195	$	485	$	1,913	$	237	$	202	$	1,170	$	8,032
Individually evaluated for impairment	$	147	$	100	$	30	$	0	$	0	$	0	$	100	$	210	$	587
Collectively evaluated for impairment		1,832		1,913		470		443		1,716		151		93		805		7,423
Balance, March 31, 2012	$	1,979	$	2,013	$	500	$	443	$	1,716	$	151	$	193	$	1,015	$	8,010
Loans:
Individually evaluated for impairment	$	9,386	$	5,712	$	2,814	$	0	$	2,928	$	688	$	469	$	2,714	$	24,711
Collectively evaluated for impairment		87,809		119,205		63,911		68,903		66,977		37,235		27,466		131,232		602,738
Balance, March 31, 2013	$	97,195	$	124,917	$	66,725	$	68,903	$	69,905	$	37,923	$	27,935	$	133,946	$	627,449
Individually evaluated for impairment	$	12,467	$	5,736	$	2,731	$	0	$	3,048	$	699	$	471	$	2,455	$	27,607
Collectively evaluated for impairment		84,469		116,978		63,688		64,948		67,395		39,559		20,457		122,379		579,873
Balance, December 31, 2012	$	96,936	$	122,714	$	66,419	$	64,948	$	70,443	$	40,258	$	20,928	$	124,834	$	607,480
Individually evaluated for impairment	$	8,128	$	4,782	$	552	$	0	$	2,128	$	711	$	486	$	8,096	$	24,883
Collectively evaluated for impairment		91,569		114,679		61,069		59,462		56,385		25,616		18,583		122,333		549,696
Balance, March 31, 2012	$	99,697	$	119,461	$	61,621	$	59,462	$	58,513	$	26,327	$	19,069	$	130,429	$	574,579

(dollars in thousands)	Residential mortgage		Home equity		Other		Total consumer related		Unallocated		Total
Allowance for loan losses:
Individually evaluated for impairment	$	0	$	0	$	0	$	0	$	0	$	1,032
Collectively evaluated for impairment		48		315		197		560		947		8,454
Balance, March 31, 2013	$	48	$	315	$	197	$	560	$	947	$	9,486
Individually evaluated for impairment	$	0	$	0	$	0	$	0	$	0	$	1,162
Collectively evaluated for impairment		124		237		238		599		671		8,140
Balance, December 31, 2012	$	124	$	237	$	238	$	599	$	671	$	9,302
Individually evaluated for impairment	$	0	$	0	$	0	$	0	$	0	$	587
Collectively evaluated for impairment		117		87		163		367		512		8,302
Balance, March 31, 2012	$	117	$	87	$	163	$	367	$	512	$	8,889
Loans:
Individually evaluated for impairment	$	83	$	279	$	618	$	980			$	25,691
Collectively evaluated for impairment		23,455		68,585		39,145		131,185				733,923
Balance, March 31, 2013	$	23,538	$	68,864	$	39,763	$	132,165			$	759,614
Individually evaluated for impairment	$	85	$	340	$	642	$	1,067			$	28,674
Collectively evaluated for impairment		23,426		65,518		39,643		128,587				708,460
Balance, December 31, 2012	$	23,511	$	65,858	$	40,285	$	129,654			$	737,134
Individually evaluated for impairment	$	202	$	269	$	320	$	791			$	25,674
Collectively evaluated for impairment		22,448		58,413		47,228		128,089				677,785
Balance, March 31, 2012	$	22,650	$	58,682	$	47,548	$	128,880			$	703,459