Allowance For Loan Losses (Tables)

6 Months Ended

Jun. 30, 2012

Allowance For Loan Losses [Abstract]

Summary Of Analysis Of Allowance For Loan Losses

		Six Months Ended				Year Ended
		June 30,				December 31,
Dollars in thousands		2012		2011		2011
Balance, beginning of year	$	17,712	$	17,224	$	17,224
Losses:
Commercial		126		93		506
Commercial real estate
Owner occupied		636		152		508
Non-owner occupied		457		61		78
Construction and development
Land and land development		1,715		1,875		3,568
Construction		368		-		-
Residential real estate
Non-jumbo		480		2,000		3,178
Jumbo		237		1,098		1,511
Home equity		4		-		346
Consumer		65		82		162
Other		41		57		86
Total		4,129		5,418		9,943
Recoveries:
Commercial		4		32		35
Commercial real estate
Owner occupied		24		36		37
Non-owner occupied		13		21		55
Construction and development
Land and land development		14		4		43
Construction		-		-		-
Real estate - mortgage
Non-jumbo		32		27		83
Jumbo		84		1		14
Home equity		60		1		1
Consumer		34		41		112
Other		40		47		51
Total		305		210		431
Net losses		3,824		5,208		9,512
Provision for loan losses		4,002		6,000		10,000
Balance, end of year	$	17,890	$	18,016	$	17,712

Summary Of Activity In Allowance For Loan Losses By Loan Class

		Construction & Land
		Development
		Land &						Commercial Real Estate					Residential Real Estate
		Land								Non-
		Devlop-		Construc-		Commer-		Owner		Owner			Non-				Home				Con-
Dollars in thousands		ment		tion		cial		Occupied		Occupied			jumbo		Jumbo		Equity				sumer		Other			Total
Allowance for loan losses
Beginning balance	$	7,262	$	120	$	771	$	1,336		$	3,283	$	2,586	$	1,331		$	831		$	160	$	32		$	17,712
Charge-offs		1,715		368		126		636			457		480		237			4			65		41			4,129
Recoveries		14		-		4		24			13		32		84			60			34		40			305
Provision		321		339		123		347			275		1,227		1,403			(33	)		5		(5	)		4,002
Ending balance	$	5,882	$	91	$	772	$	1,071		$	3,114	$	3,365	$	2,581		$	854		$	134	$	26		$	17,890
Allowance related to:
Loans individually
evaluated for impairment	$	3,029	$	-	$	255	$	53		$	306	$	1,094	$	1,634		$	147		$	4	$	-		$	6,522
Loans collectively
evaluated for impairment		2,853		91		517		1,018			2,808		2,271		947			707			130		26			11,368
Loans acquired with
deteriorated credit quality		-		-		-		-			-		-		-			-			-		-			-
Total	$	5,882	$	91	$	772	$	1,071		$	3,114	$	3,365	$	2,581		$	854		$	134	$	26		$	17,890
Loans
Loans individually
evaluated for impairment	$	33,816	$	-	$	6,895	$	16,008		$	9,987	$	7,240	$	23,653		$	360		$	45	$	-		$	98,004
Loans collectively
evaluated for impairment		50,567		1,793		85,165		136,339			270,904		210,081		38,308			51,333			21,167		2,523		$	868,180
Loans acquired with
deteriorated credit quality		-		-		-		-			-		-		-			-			-		-			-
Total	$	84,383	$	1,793	$	92,060	$	152,347	$		280,891	$	217,321	$	61,961	$		51,693		$	21,212	$	2,523		$	966,184