Allowance For Loan Losses (Tables)

9 Months Ended

Sep. 30, 2012

Allowance For Loan Losses [Abstract]

Summary Of Analysis Of Allowance For Loan Losses

		Nine Months Ended				Year Ended
		September 30,				December 31,
Dollars in thousands		2012		2011		2011
Balance, beginning of year	$	17,712	$	17,224	$	17,224
Losses:
Commercial		355		500		506
Commercial real estate
Owner occupied		636		501		508
Non-owner occupied		436		76		78
Construction and development
Land and land development		2,319		2,446		3,568
Construction		367		-		-
Residential real estate
Non-jumbo		1,257		2,524		3,178
Jumbo		737		1,098		1,511
Home equity		5		234		346
Consumer		91		113		162
Other		69		82		86
Total		6,272		7,574		9,943
Recoveries:
Commercial		7		34		35
Commercial real estate
Owner occupied		24		37		37
Non-owner occupied		20		31		55
Construction and development
Land and land development		16		8		43
Construction		-		-		-
Real estate - mortgage
Non-jumbo		51		46		83
Jumbo		85		6		14
Home equity		60		1		1
Consumer		53		72		112
Other		62		63		51
Total		378		298		431
Net losses		5,894		7,276		9,512
Provision for loan losses		6,002		8,001		10,000
Balance, end of year	$	17,820	$	17,949	$	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		2,319		367		355		636			436		1,257		737			5			91		69			6,272
Recoveries		16		-		7		24			20		51		85			60			53		62			378
Provision		302		354		52		401			343		1,308		3,618			(366	)		-		(10	)		6,002
Ending balance	$	5,261	$	107	$	475	$	1,125		$	3,210	$	2,688	$	4,297		$	520		$	122	$	15		$	17,820
Allowance related to:
Loans individually
evaluated for impairment	$	2,762	$	-	$	86	$	241		$	475	$	502	$	3,211		$	28		$	4	$	-		$	7,309
Loans collectively
evaluated for impairment		2,499		107		389		884			2,735		2,186		1,086			492			118		15			10,511
Loans acquired with
deteriorated credit quality		-		-		-		-			-		-		-			-			-		-			-
Total	$	5,261	$	107	$	475	$	1,125		$	3,210	$	2,688	$	4,297		$	520		$	122	$	15		$	17,820
Loans
Loans individually
evaluated for impairment	$	31,138	$	-	$	12,411	$	15,946		$	12,057	$	6,420	$	23,094		$	220		$	43	$	-		$	101,329
Loans collectively
evaluated for impairment		51,719		2,087		76,586		134,144			267,075		209,164		39,654			53,235			21,247		2,513		$	857,424
Loans acquired with
deteriorated credit quality		-		-		-		-			-		-		-			-			-		-			-
Total	$	82,857	$	2,087	$	88,997	$	150,090	$		279,132	$	215,584	$	62,748	$		53,455		$	21,290	$	2,513		$	958,753