Loans (Tables)

12 Months Ended

Dec. 31, 2012

Loans [Abstract]

Summary Of Loans, Net Of Unearned Fees

Dollars in thousands		2012		2011
Commercial	$	85,829	$	99,024
Commercial real estate
Owner-occupied		154,252		158,754
Non-owner occupied		276,082		270,226
Construction and development
Land and land development		79,335		93,035
Construction		3,772		2,936
Residential real estate
Non-jumbo		216,714		221,733
Jumbo		61,567		61,535
Home equity		53,263		50,898
Consumer		20,586		22,325
Other		3,701		2,762
Total loans, net of unearned fees		955,101		983,228
Less allowance for loan losses		17,933		17,712
Loans, net	$	937,168	$	965,516

Schedule Of Loan Maturities

		Within		After 1 but		After
Dollars in thousands		1 Year		within 5 Years		5 Years
Commercial	$	30,702	$	35,336	$	19,791
Commercial real estate		38,526		94,352		297,456
Construction and development		52,683		6,246		24,178
Residential real estate		25,935		17,385		288,224
Consumer		4,753		14,231		1,602
Other		708		1,452		1,541
	$	153,307	$	169,002	$	632,792
Loans due after one year with:
Variable rates			$	144,585
Fixed rates				657,209
			$	801,794

Schedule Of Contractual Aging Of Recorded Investment In Past Due Loans By Class

						At December 31, 2012
				Past Due								> 90 days
Dollars in thousands		30-59 days		60-89 days		> 90 days		Total		Current		and accruing
Commercial	$	225	$	5	$	2,294	$	2,524	$	83,305	$	-
Commercial real estate
Owner-occupied		57		-		1,023		1,080		153,172		-
Non-owner occupied		182		193		908		1,283		274,799		-
Construction and development
Land and land development		-		-		11,795		11,795		67,540		-
Cons truction		-		-		153		153		3,619		-
Res idential mortga ge
Non-jumbo		3,344		2,616		2,797		8,757		207,957		-
Jumbo		-		-		12,564		12,565		49,002		-
Home equity		337		448		179		964		52,299		-
Consumer		255		79		48		382		20,204		-
Other		-		-		-		-		3,701		-
Total	$	4,400	$	3,341	$	31,761	$	39,503	$	915,598	$	-

						At December 31, 2011
				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
Cons truction		106		-		979		1,085		1,851		-
Res idential mortga ge
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

Schedule Of Nonaccrual Loans Included In Net Balance Of Loans

Dollars in thousands		2012		2011
Commercia l	$	5,002	$	3,260
Commercia l real es tate
Owner-occupied		1,524		2,815
Non-owner occupied		1,032		4,348
Cons truction and development
Land & la nd development		13,487		22,362
Cons truction		154		979
Res identia l mortga ge
Non-jumbo		3,518		3,683
Jumbo		12,564		13,966
Home equity		440		538
Cons umer		55		145
Other		-		-
Total	$	37,776	$	52,096

Schedule Of Method Used To Measure Impairment Of Impaired Loans

Method Used to Measure Impairment of Impaired Loans
Dollars in thousands
					Method used to
Loan Category	12/31/2012		12/31/2011		measure impairment
Commerical	$	10,776	$	2,969	Fair value of collateral
		165		-	Discounted cash flow
Commerical real estate
Owner-occupied		14,028		9,698	Fair value of collateral
		2,686		2,580	Discounted cash flow
Non-owner occupied		9,468		9,790	Fair value of collateral
Construction and development
Land & land development		29,307		29,862	Fair value of collateral
		656		-	Discounted cash flow
Construction		-		735	Fair value of collateral
Residential mortgage
Non-jumbo		5,626		4,488	Fair value of collateral
		692		372	Discounted cash flow
Jumbo		21,543		18,147	Fair value of collateral
Home equity		219		407	Fair value of collateral
Consumer		66		8	Discounted cash flow
Total	$	95,232	$	79,056

Schedule Of Loans Individually Evaluated For Impairment

				December 31, 2012
								Average		Interest Income
		Recorded		Unpaid	Related			Impaired		Recognized
Dollars in thousands		Investment		Principal Balance Allowance				Balance		while impaired
Without a related allowance
Commercia l	$	10,518	$	10,537	$	-	$	3,131	$	134
Commercia l real esta te
Owner-occupied		9,992		9,996		-		8,528		368
Non-owner occupied		6,143		6,145		-		6,056		304
Construction and development
Land & la nd development		11,596		11,596		-		11,093		367
Cons truction		-		-		-		-		-
Residentia l real esta te
Non-jumbo		3,497		3,505		-		3,040		125
Jumbo		7,347		7,349		-		5,399		272
Home equity		191		191		-		191		11
Cons umer		38		38		-		32		1
Total without a related allowance	$	49,322	$	49,357	$	-	$	37,470	$	1,582
With a related allowance
Commercia l	$	404	$	404	$	85	$	515	$	6
Commercia l real esta te
Owner-occupied		6,719		6,718		461		4,442		187
Non-owner occupied		3,321		3,323		286		3,341		115
Construction and development
Land & la nd development		18,367		18,367		2,611		17,633		344
Cons truction		-		-		-		-		-
Residentia l real esta te
Non-jumbo		2,812		2,813		394		2,378		77
Jumbo		14,189		14,194		3,216		13,585		59
Home equity		28		28		28		29		-
Cons umer		28		28		16		2		-
Total with a related allowance	$	45,868	$	45,875	$	7,097	$	41,925	$	788
Total
Commercial	$	67,060	$	67,086	$	3,443	$	54,739	$	1,825
Residential real estate		28,064		28,080		3,638		24,622		544
Consumer		66		66		16		34		1
Total	$	95,190	$	95,232	$	7,097	$	79,395	$	2,370

				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
Cons truction		-		-		-		-		-
Res idential 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
Cons truction		735		735		29		2		-
Res idential 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
Cons umer		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 rea l estate		23,400		23,414		646		17,748		107
Consumer		8		8		1		-		-
Total	$	79,003	$	79,056	$	4,745	$	55,488	$	1,103

Schedule Of Restructured Trouble Debt Restructurings By Class

			2012					2011
			Pre-		Post-			Pre-		Post-
			modification		modification			modification		modification
	Number of		Recorded		Recorded	Number of		Recorded		Recorded
dollars in thousands	Modifications		Investment		Investment	Modifications		Investment		Investment
Commercia l	9	$	6,238	$	5,681	1	$	63	$	63
Commercia l rea l estate
Owner-occupi ed	-		-		-	4		2,463		2,463
Non-owner occupi ed	3		4,063		3,685	5		7,248		7,248
Cons truction a nd devel opment
Land & la nd devel opment	3		3,715		2,927	5		3,715		3,683
Cons truction	-		-		-	-		-		-
Resi dentia l rea l estate
Non-jumbo	8		1,394		1,405	6		1,743		1,648
Jumbo	3		2,301		2,701	3		5,261		4,854
Home equi ty	-		-		-	-		-		-
Cons umer	4		66		66	1		8		8
Total	30	$	17,777	$	16,465	25	$	20,501	$	19,967

Schedule Of Defaults During Stated Period Of Trouble Debt Restructurings

			2012			2011
	Number		Recorded	Number		Recorded
	of		Investment	of		Investment
dollars in thousands	Defaults		at Default Date	Defaults		at Default Date
Commercial	3	$	2,377	-	$	-
Commercial real es tate
Owner-occupied	-		-	4		2,454
Non-owner occupied	-		-	3		3,594
Cons truction and development
Land & land development	-		-	5		3,684
Construction	-		-	-		-
Residential real es tate
Non-jumbo	3		382	1		258
Jumbo	1		1,300	1		545
Home equity	-		-	-		-
Cons umer	3		58	-		-
Total	10	$	4,117	14	$	10,535

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		2012		2011		2012		2011		2012		2011		2012		2011		2012		2011
Pass	$	43,572	$	47,358	$	3,619	$	2,049	$	73,425	$	84,225	$	139,176	$	143,845	$	262,132	$	253,319
OLEM (Special Mention)		7,349		18,615		-		-		1,260		6,889		1,034		5,474		11,477		10,421
Substandard		28,414		27,062		153		887		11,144		7,910		14,042		9,435		2,473		6,486
Doubtful		-		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-		-
Total	$	79,335	$	93,035	$	3,772	$	2,936	$	85,829	$	99,024	$	154,252	$	158,754	$	276,082	$	270,226

Schedule Of Recorded Investment Evaluated Based On Aging Status Of Loans And Payment Activity

		Performing				Nonperforming
Dollars in thousands		2012		2011		2012		2011
Residential real es tate
Non-jumbo	$	213,196	$	218,050	$	3,518	$	3,683
Jumbo		49,003		47,570		12,564		13,965
Home Equity		52,823		50,360		440		538
Consumer		20,531		22,180		55		145
Other		3,701		2,762		-		-
Total	$	339,254	$	340,922	$	16,577	$	18,331

Schedule Of Activity With Respect To Related Party Loans

Dollars in thousands		2012			2011
Balance, beginning	$	17,063		$	7,838
Additions		10,097			8,670
Amounts collected		(8,204	)		(4,457	)
Other changes, net		17			5,012
Balance, ending	$	18,973		$	17,063