XML 90 R27.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans (Tables)
 6 Months Ended
Jun. 30, 2012
Loans [Abstract]  
Summary Of Loans, Net Of Unearned Fees
             
    June 30,   December 31,   June 30,
Dollars in thousands   2012   2011   2011
Commercial $ 92,060 $ 99,024 $ 92,287
Commercial real estate            
Owner-occupied   152,347   158,754   180,943
Non-owner occupied   280,891   270,226   242,431
Construction and development            
Land and land development   84,383   93,035   94,464
Construction   1,793   2,936   12,223
Residential real estate            
Non-jumbo   217,321   221,733   228,205
Jumbo   61,961   61,535   60,817
Home equity   51,693   50,898   50,884
Consumer   21,212   22,325   23,773
Other   2,523   2,762   3,116
Total loans, net of unearned fees   966,184   983,228   989,143
Less allowance for loan losses   17,890   17,712   18,016
Loans, net $ 948,294 $ 965,516 $ 971,127
Schedule Of Contractual Aging Of Recorded Investment In Past Due Loans By Class
                         
  At June 30, 2012
                      Recorded
                      Investment
    Past Due     > 90 days
Dollars in thousands   30-59 days   60-89 days > 90 days   Total   Current and Accruing
Commercial $ 367 $ 20 $ 2,334 $ 2,721 $ 89,339 $  
Commercial real estate                        
Owner-occupied   1,074   888   590   2,552   149,795   -
Non-owner occupied   480   101   1,287   1,868   279,023   -
Construction and development                        
Land and land development   1,756   79   12,634   14,469   69,914   -
Construction   -   -   153   153   1,640   -
Residential mortgage                        
Non-jumbo   3,819   950   3,139   7,908   209,413   -
Jumbo   2,160   1,050   12,592   15,802   46,159   -
Home equity   450   7   69   526   51,167   -
Consumer   329   88   37   454   20,758   -
Other   -   -   -   -   2,523   -
Total $ 10,435 $ 3,183 $ 32,835 $ 46,453 $ 919,731 $ -

 

 
                           
  At December 31, 2011
                        Recorded
                        Investment
  Past Due       > 90 days
Dollars in thousands   30-59 days   60-89 days > 90 days   Total   Current   and Accruing
Commercial $ 904 $ 324 $ 2,544 $ 3,772 $ 95,252 $ -  
Commercial real estate                          
Owner-occupied   4,241   197   664   5,102   153,652   -  
Non-owner occupied   1,566   1,752   1,705   5,023   265,203   -  
Construction and development                          
Land and land development   1,539   116   16,392   18,047   74,988   344  
Construction   106   -   979   1,085   1,851   -  
Residential mortgage                          
Non-jumbo   4,730   1,624   2,336   8,690   213,043   -  
Jumbo   699   -   13,965   14,664   46,871   -  
Home equity   -   223   91   314   50,584   -  
Consumer   381   144   85   610   21,715   -  
Other   -   -   -   -   2,762   -  
Total $ 14,166 $ 4,380 $ 38,761 $ 57,307 $ 925,921 $ 344  

 

                         
  At June 30, 2011
                      Recorded
                      Investment
  Past Due     > 90 days
Dollars in thousands   30-59 days   60-89 days > 90 days   Total   Current and Accruing
Commercial $ 315 $ 1,476 $ 1,964 $ 3,755 $ 88,532 $ -
Commercial real estate                        
Owner-occupied   1,284   379   1,648   3,311   177,632   -
Non-owner occupied   1,167   137   976   2,280   240,151   -
Construction and development                        
Land and land development   12   152   8,423   8,587   85,877   -
Construction   -   -   152   152   12,071   -
Residential mortgage                        
Non-jumbo   5,427   1,265   4,459   11,151   217,054   -
Jumbo   -   2,302   -   2,302   58,515   -
Home equity   -   209   378   587   50,297   -
Consumer   335   99   112   546   23,227   2
Other   -   -   -   -   3,116   -
Total $ 8,540 $ 6,019 $ 18,112 $ 32,671 $ 956,472 $ 2
Schedule Of Nonaccrual Loans Included In Net Balance Of Loans
             
Dollars in thousands   6/30/2012   12/31/2011   6/30/2011
Commercial $ 6,476 $ 3,260 $ 2,212
Commercial real estate            
Owner-occupied   2,248   2,815   3,848
Non-owner occupied   1,288   4,348   4,245
Construction and development            
Land & land development   17,244   22,362   19,069
Construction   153   979   152
Residential mortgage            
Non-jumbo   3,449   3,683   4,419
Jumbo   14,752   13,966   3,876
Home equity   349   538   941
Consumer   78   145   128
Other   -   -   2
Total $ 46,037 $ 52,096 $ 38,892
Schedule Of Method Used To Measure Impairment Of Impaired Loans
               
              Method used to
Loan Category   6/30/2012   12/31/2011   6/30/2011 measure impairment
Commerical $ 3,031 $ 2,969 $ 1,638 Fair value of collateral
    3,864   -   - Discounted cash flow
Commerical real estate              
Owner-occupied   13,299   9,698   11,103 Fair value of collateral
    2,709   2,580   2,598 Discounted cash flow
Non-owner occupied   9,987   9,790   11,458 Fair value of collateral
    -   -   1,794 Discounted cash flow
Construction and development              
Land & land development   33,160   29,862   25,456 Fair value of collateral
    656   -   1,525 Discounted cash flow
Construction   -   735   - Fair value of collateral
Residential mortgage              
Non-jumbo   5,997   4,488   6,516 Fair value of collateral
    1,243   372   1,188 Discounted cash flow
Jumbo   23,653   18,147   15,974 Fair value of collateral
Home equity   360   407   541 Fair value of collateral
Consumer   45   8   38 Fair value of collateral
Total $ 98,004 $ 79,056 $ 79,829  
Schedule Of Loans Individually Evaluated For Impairment
                     
  June 30, 2012
                Average   Interest Income
    Recorded   Unpaid   Related   Impaired   Recognized
Dollars in thousands   Investment   Principal Balance   Allowance   Balance   while impaired
 
Without a related allowance                    
Commercial $ 5,938 $ 5,947 $ - $ 1,818 $ 47
Commercial real estate                    
Owner-occupied   12,893   12,872   -   9,778   359
Non-owner occupied   6,642   6,645   -   6,260   304
Construction and development                    
Land & land development   17,981   17,982   -   15,696   579
Construction   -   -   -   -   -
Residential real estate                    
Non-jumbo   3,810   3,819   -   3,164   140
Jumbo   17,665   17,669   -   15,504   250
Home equity   191   191   -   191   11
Consumer   41   41   -   26   1
Total without a related allowance $ 65,161 $ 65,166 $ - $ 52,437 $ 1,691
 
With a related allowance                    
Commercial $ 948 $ 948 $ 254 $ 879 $ 4
Commercial real estate                    
Owner-occupied   3,136   3,136   53   2,854   156
Non-owner occupied   3,341   3,342   306   3,350   115
Construction and development                    
Land & land development   15,834   15,834   3,029   13,589   114
Construction   -   -   -   -   -
Residential real estate                    
Non-jumbo   3,418   3,421   1,095   2,019   57
Jumbo   5,979   5,984   1,634   2,583   25
Home equity   169   169   147   165   7
Consumer   4   4   4   -   -
Total with a related allowance $ 32,829 $ 32,838 $ 6,522 $ 25,439 $ 478
 
Total                    
Commercial $ 66,713 $ 66,706 $ 3,642 $ 54,224 $ 1,678
Residential real estate   31,232   31,253   2,876   23,626   490
Consumer   45   45   4   26   1
Total $ 97,990 $ 98,004 $ 6,522 $ 77,876 $ 2,169

 

 
                     
  December 31, 2011
                Average   Interest Income
    Recorded   Unpaid Related   Impaired   Recognized
Dollars in thousands   Investment   Principal Balance Allowance   Balance   while impaired
 
Without a related allowance                    
Commercial $ 2,074 $ 2,076 $ - $ 874 $ 10
Commercial real estate                    
Owner-occupied   9,013   9,034   -   8,132   253
Non-owner occupied   5,599   5,600   -   2,891   116
Construction and development                    
Land & land development   12,128   12,128   -   9,509   346
Construction   -   -   -   -   -
Residential real estate                    
Non-jumbo   3,697   3,708   -   2,843   68
Jumbo   15,203   15,204   -   12,626   -
Home equity   194   194   -   99   6
Total without a related allowance $ 47,908 $ 47,944 $ - $ 36,974 $ 799
 
With a related allowance                    
Commercial $ 893 $ 893 $ 247 $ 661 $ 1
Commercial real estate                    
Owner-occupied   3,244   3,244   465   3,588   143
Non-owner occupied   4,190   4,190   456   3,357   87
Construction and development                    
Land & land development   17,719   17,734   2,901   8,726   40
Construction   735   735   29   2   -
Residential real estate                    
Non-jumbo   1,150   1,152   209   706   31
Jumbo   2,943   2,943   275   1,349   -
Home equity   213   213   162   125   2
Consumer   8   8   1   -   -
Total with a related allowance $ 31,095 $ 31,112 $ 4,745 $ 18,514 $ 304
 
Total                    
Commercial $ 55,595 $ 55,634 $ 4,098 $ 37,740 $ 996
Residential real estate   23,400   23,414   646   17,748   107
Consumer   8   8   1   -   -
Total $ 79,003 $ 79,056 $ 4,745 $ 55,488 $ 1,103

 

 
                     
    June 30, 2011
                Average   Interest Income
    Recorded   Unpaid   Related   Impaired   Recognized
Dollars in thousands   Investment   Principal Balance   Allowance   Balance   while impaired
 
Without a related allowance                    
Commercial $ 614 $ 615 $ - $ 603 $ 4
Commercial real estate                    
Owner-occupied   6,991   7,007   -   6,141   84
Non-owner occupied   7,298   7,301   -   691   7
Construction and development                    
Land & land development   22,302   22,302   -   15,191   94
Construction   -   -   -   -   -
Residential real estate                    
Non-jumbo   5,095   5,108   -   4,178   62
Jumbo   13,670   13,672   -   12,622   456
Home equity   194   194   -   1   -
Total without a related allowance $ 56,164 $ 56,199 $ - $ 39,427 $ 707
 
With a related allowance                    
Commercial $ 1,023 $ 1,023 $ 423 $ 411 $ -
Commercial real estate                    
Owner-occupied   6,691   6,694   844   3,941   71
Non-owner occupied   5,952   5,951   684   2,491   44
Construction and development                    
Land & land development   4,679   4,679   1,103   2,650   43
Construction   -   -   -   -   -
Residential real estate                    
Non-jumbo   2,595   2,596   691   2,085   23
Jumbo   2,298   2,302   541   1,350   -
Home equity   347   347   326   210   1
Consumer   38   38   12   -   -
Total with a related allowance $ 23,623 $ 23,630 $ 4,624 $ 13,138 $ 182
 
Total                    
Commercial $ 55,550 $ 55,572 $ 3,054 $ 32,119 $ 347
Consumer   38   38   12   -   -
Residential real estate   24,199   24,219   1,558   20,446   542
Total $ 79,787 $ 79,829 $ 4,624 $ 52,565 $ 889
Schedule Of Restructured Trouble Debt Restructurings By Class
  For the Three Months Ended
June 30, 2012		 For the Six Months Ended
June 30, 2012
dollars in thousands Number of
Modifications		 Pre-modification
Recorded
Investment		 Post-modification
Recorded
Investment		 Number of
Modifications		 Pre-modification
Recorded
Investment		 Post-modification
Recorded
Investment
Commercial   1 $ 77 $ 78 3 $ 1,109 $ 1,117
Commercial real estate                      
Owner-occupied   -   -   - -   -   -
Non-owner occupied   -   -   - 2   2,134   1,757
Construction and development                      
Land & land development   1   1,789   1,000 1   1,789   1,000
Construction   -   -   - -   -   -
Residential real estate                      
Non-jumbo   3   497   506 5   557   567
Jumbo   3   2,301   2,701 3   2,301   2,701
Home equity   -   -   - -   -   -
Consumer   1   4   4 2   42   42
Total   9 $ 4,668 $ 4,289 16 $ 7,932 $ 7,184
Schedule Of Defaults During Stated Period Of Trouble Debt Restructurings
  For the Three Months Ended
June 30, 2012		 For the Six Months Ended
June 30, 2012
dollars in thousands Number
of
Defaults		 Recorded
Investment
at Default Date		 Number
of
Defaults		 Recorded
Investment
at Default Date
Commercial - $ - - $  -
Commercial real estate            
Owner-occupied 1   580 2   1,103
Non-owner occupied -   - -   -
Construction and development            
Land & land development -   - -   -
Construction -   - -   -
Residential real estate            
Non-jumbo 2   384 2   386
Jumbo 2   4,225 3   4,727
Home equity -   - -   -
Consumer 1   36 1   36
Total 6 $ 5,225 8 $ 6,252
Schedule Of Recorded Investment Evaluated Based On Internal Risk Ratings
                                         
    Construction and Development                 Commercial Real Estate    
    Land and land                                
    development   Construction   Commercial   Owner Occupied   Non-Owner Occupied
Dollars in thousands   6/30/2012 12/31/2011    6/30/2012   12/31/2011   6/30/2012   12/31/2011   6/30/2012   12/31/2011   6/30/2012   12/31/2011
Pass $ 44,538 $ 47,521 $ 1,640 $ 1,886 $ 77,402 $ 84,225 $ 137,289 $ 143,845 $ 263,385 $ 253,319
OLEM (Special Mention)   7,816   18,615   -   -   7,385   6,889   1,737   5,474   13,154   10,421
Substandard   32,029   26,899   153   1,049   7,273   7,910   13,321   9,435   4,352   6,486
Doubtful   -   -   -   -   -   -   -   -   -   -
Loss   -   -   -   -   -   -   -   -   -   -
Total $ 84,383 $ 93,035 $ 1,793 $ 2,935 $ 92,060 $ 99,024 $ 152,347 $ 158,754 $ 280,891 $ 270,226
Schedule Of Recorded Investment Evaluated Based On Aging Status Of Loans And Payment Activity
                         
    Performing Nonperforming
Dollars in thousands   6/30/2012   12/31/2011   6/30/2011   6/30/2012   12/31/2011   6/30/2011
Residential real estate                        
Non-jumbo $ 213,872 $ 218,050 $ 223,786 $ 3,449 $ 3,683 $ 4,419
Jumbo   47,209   47,570   56,940   14,752   13,965   3,877
Home Equity   51,344   50,360   50,756   349   538   128
Consumer   21,134   22,180   22,832   78   145   941
Other   2,523   2,762   3,116   -   -   -
Total $ 336,082 $ 340,922 $ 357,430 $ 18,628 $ 18,331 $ 9,365