XML 91 R27.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans (Tables)
9 Months Ended
Sep. 30, 2012
Loans [Abstract]  
Summary Of Loans, Net Of Unearned Fees
             
    September 30,   December 31,   September 30,
Dollars in thousands   2012   2011   2011
Commercial $ 88,997 $ 99,024 $ 90,422
Commercial real estate            
Owner-occupied   150,090   158,754   171,192
Non-owner occupied   279,132   270,226   253,538
Construction and development            
Land and land development   82,857   93,035   94,023
Construction   2,087   2,936   9,445
Residential real estate            
Non-jumbo   215,584   221,733   224,499
Jumbo   62,748   61,535   62,255
Home equity   53,455   50,898   51,025
Consumer   21,290   22,325   22,988
Other   2,513   2,762   2,911
Total loans, net of unearned fees   958,753   983,228   982,298
Less allowance for loan losses   17,820   17,712   17,949
Loans, net $ 940,933 $ 965,516 $ 964,349
Schedule Of Contractual Aging Of Recorded Investment In Past Due Loans By Class
Schedule Of Nonaccrual Loans Included In Net Balance Of Loans
             
Dollars in thousands   9/30/2012   12/31/2011   9/30/2011
Commercial $ 5,343 $ 3,260 $ 3,473
Commercial real estate            
Owner-occupied   921   2,815   3,451
Non-owner occupied   1,882   4,348   4,948
Construction and development            
Land & land development   16,558   22,362   17,354
Construction   203   979   152
Residential mortgage            
Non-jumbo   3,122   3,683   3,949
Jumbo   15,272   13,966   2,273
Home equity   415   538   595
Consumer   87   145   87
Other   -   -   -
Total $ 43,803 $ 52,096 $ 36,282
 
Impaired loans: Impaired loans include the following:            
Schedule Of Method Used To Measure Impairment Of Impaired Loans
               
              Method used to
Loan Category   9/30/2012   12/31/2011   9/30/2011 measure impairment
Commerical $ 12,411 $ 2,969 $ 3,043 Fair value of collateral
    -   -   - Discounted cash flow
Commerical real estate              
Owner-occupied   13,248   9,698   10,613 Fair value of collateral
    2,698   2,580   2,591 Discounted cash flow
Non-owner occupied   12,057   9,790   11,397 Fair value of collateral
    -   -   1,791 Discounted cash flow
Construction and development              
Land & land development   30,482   29,862   26,360 Fair value of collateral
    656   -   1,525 Discounted cash flow
Construction   -   735   - Fair value of collateral
Residential mortgage              
Non-jumbo   5,461   4,488   5,157 Fair value of collateral
    959   372   1,179 Discounted cash flow
Jumbo   23,094   18,147   14,894 Fair value of collateral
Home equity   219   407   409 Fair value of collateral
Consumer   42   8   - Fair value of collateral
Total $ 101,327 $ 79,056 $ 78,959  
Schedule Of Loans Individually Evaluated For Impairment
Schedule Of Restructured Trouble Debt Restructurings By Class
                     
  For the Three Months Ended For the Nine Months Ended
    September 30, 2012       September 30, 2012    
    Pre-modification   Post-modification    Pre-modification   Post-modification 
  Number of   Recorded   Recorded Number of   Recorded   Recorded
dollars in thousands Modifications   Investment   Investment Modifications   Investment   Investment
Commercial - $ - $   - 3 $ 1,109 $ 1,117
Commercial real estate                    
Owner-occupied -   -   - -   -   -
Non-owner occupied 1   1,929   1,929 3   4,063   3,685
Construction and development                    
Land & land development 2   1,927   1,927 3   3,715   2,927
Construction -   -   - -   -   -
Residential real estate                    
Non-jumbo 3   688   688 7   1,245   1,256
Jumbo -   -   - 3   2,301   2,701
Home equity -   -   - -   -   -
Consumer -   -   - 2   42   42
Total 6 $ 4,544 $ 4,544 21 $ 12,475 $ 11,728
Schedule Of Defaults During Stated Period Of Trouble Debt Restructurings
             
  For the Three Months Ended For the Nine Months Ended
  September 30, 2012 September 30, 2012
  Number   Recorded Number   Recorded
  of   Investment of   Investment
dollars in thousands Defaults at Default Date  Defaults   at Default Date
Commercial - $ - - $   -
Commercial real estate            
Owner-occupied 1   581 1   580
Non-owner occupied -   - -   -
Construction and development            
Land & land development -   - -   -
Construction -   - -   -
Residential real estate            
Non-jumbo 2   233 2   233
Jumbo 2   4,218 3   4,727
Home equity -   - -   -
Consumer 1   34 1   36
Total 6 $ 5,066 7 $ 5,576
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   9/30/2012 12/31/2011   9/30/2012   12/31/2011   9/30/2012   12/31/2011   9/30/2012   12/31/2011   9/30/2012   12/31/2011
Pass $ 44,279 $ 47,521 $ 1,934 $ 1,886 $ 75,249 $ 84,225 $ 149,266 $ 143,845 $ 262,349 $ 253,319
OLEM (Special Mention)   9,137   18,615   -   -   986   6,889   824   5,474   11,719   10,421
Substandard   29,441   26,899   153   1,049   12,762   7,910   -   9,435   5,064   6,486
Doubtful   -   -   -   -   -   -   -   -   -   -
Loss   -   -   -   -   -   -   -   -   -   -
Total $ 82,857 $ 93,035 $ 2,087 $ 2,935 $ 88,997 $ 99,024 $ 150,090 $ 158,754 $ 279,132 $ 270,226
Schedule Of Recorded Investment Evaluated Based On Aging Status Of Loans And Payment Activity
                         
        Performing           Nonperforming    
Dollars in thousands   9/30/2012   12/31/2011   9/30/2011   9/30/2012   12/31/2011   9/30/2011
Residential real estate                        
Non-jumbo $ 212,529 $ 218,050 $ 220,550 $ 3,055 $ 3,683 $ 3,949
Jumbo   47,476   47,570   59,982   15,272   13,965   2,273
Home Equity   53,040   50,360   50,430   415   538   595
Consumer   21,202   22,180   22,901   88   145   87
Other   2,513   2,762   2,911   -   -   -
Total $ 336,760 $ 340,922 $ 356,774 $ 18,830 $ 18,331 $ 6,904