Allowance For Loan Losses (Tables)

12 Months Ended

Dec. 31, 2012

Allowance For Loan Losses [Abstract]

Summary Of Analysis Of Allowance For Loan Losses

Dollars in thousands		2012		2011		2010
Balance, beginning of year	$	17,712	$	17,224	$	17,000
Losses:
Commercial		1,273		506		601
Commercial real estate
Owner occupied		636		508		2,266
Non-owner occupied		806		78		6,974
Construction and development
Land and land development		3,390		3,568		6,974
Construction		367		-		963
Residential real estate
Non-jumbo		1,372		3,178		2,052
Jumbo		737		1,511		973
Home equity		5		346		798
Consumer		136		162		321
Other		95		86		191
Total		8,817		9,943		22,113
Recoveries:
Commercial		13		35		39
Commercial real estate
Owner occupied		33		37		5
Non-owner occupied		31		55		268
Construction and development
Land and land development		61		43		330
Construction		-		-		1
Real estate - mortgage
Non-jumbo		81		83		51
Jumbo		86		14		15
Home equity		61		1		84
Consumer		95		112		162
Other		77		51		32
Total		538		431		987
Net losses		8,279		9,512		21,126
Provision for loan losses		8,500		10,000		21,350
Balance, end of year	$	17,933	$	17,712	$	17,224

Summary Of Activity In Allowance For Loan Losses By Loan Class

											2012
		Construction & Land
		Development
		Land &						Commercial Real Estate				Residential Real Estate
		Land								Non-
		Develop-		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	$	770	$	1,335	$	3,283	$	2,587	$	1,331	$	830		$	161	$	33	$	17,712
Charge-offs		3,390		367		1,273		636		806		1,372		737		5			136		95		8,817
Recoveries		61		-		13		33		31		81		86		61			95		77		538
Provision		1,287		385		1,272		655		761		1,321		3,262		(461	)		12		6		8,500
Ending balance	$	5,220	$	138	$	782	$	1,387	$	3,269	$	2,617	$	3,942	$	425		$	132	$	21	$	17,933
Allowance related to:
Loans individually
evaluated for impairment	$	2,611	$	-	$	85	$	461	$	286	$	394	$	3,216	$	28		$	16	$	-	$	7,097
Loans collectively
evaluated for impairment		2,609		138		697		926		2,983		2,223		726		397			116		21		10,836
Loans acquired with
deteriorated credit quality		-		-		-		-		-		-		-		-			-		-		-
Total	$	5,220	$	138	$	782	$	1,387	$	3,269	$	2,617	$	3,942	$	425		$	132	$	21	$	17,933
Loans
Loans individually
evaluated for impairment	$	29,963	$	-	$	10,941	$	16,714	$	9,468	$	6,318	$	21,543	$	219		$	66	$	-	$	95,232
Loans collectively
evaluated for impairment		49,372		3,772		74,888		137,538		266,614		210,396		40,024		53,044			20,520		3,701		859,869
Loans acquired with
deteriorated credit quality		-		-		-		-		-		-		-		-			-		-		-
Total	$	79,335	$	3,772	$	85,829	$	154,252	$	276,082	$	216,714	$	61,567	$	53,263		$	20,586	$	3,701	$	955,101

													2011
		Construction & Land
		Development
		Land &							Commercial Real Estate				Residential Real Estate
		Land								Non-
		Develop-	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	$	7,902	$	322		$	323	$	1,108	$	2,941	$	2,419	$	1,316	$	599	$	263		$	31	$	17,224
Charge-offs		3,568		-			506		508		78		3,178		1,511		346		162			86		9,943
Recoveries		43		-			35		37		55		83		14		1		112			51		431
Provision		2,885		(202	)		918		698		365		3,263		1,512		576		(52	)		37		10,000
Ending balance	$	7,262	$	120		$	770	$	1,335	$	3,283	$	2,587	$	1,331	$	830	$	161		$	33	$	17,712
Allowance related to:
Loans individually
evaluated for impairment	$	2,901	$	29		$	247	$	464	$	456	$	209	$	275	$	162	$	2		$	-	$	4,745
Loans collectively
evaluated for impairment		4,361		91			523		871		2,827		2,378		1,056		668		159			33		12,967
Loans acquired with
deteriorated credit quality		-		-			-		-		-		-		-		-		-			-		-
Total	$	7,262	$	120		$	770	$	1,335	$	3,283	$	2,587	$	1,331	$	830	$	161		$	33	$	17,712
Loans
Loans individually
evaluated for impairment	$	29,862	$	735		$	2,969	$	12,278	$	9,790	$	4,860	$	18,147	$	407	$	8		$	-	$	79,056
Loans collectively
evaluated for impairment		63,173		2,201			96,055		146,476		260,436		216,873		43,388		50,491		22,317			2,762		904,172
Loans acquired with
deteriorated credit quality		-		-			-		-		-		-		-		-		-			-		-
Total	$	93,035	$	2,936		$	99,024	$	158,754	$	270,226	$	221,733	$	61,535	$	50,898	$	22,325		$	2,762	$	983,228