Allowance For Loan Losses (Tables)

3 Months Ended

Mar. 31, 2013

Allowance For Loan Losses [Abstract]

Summary Of Analysis Of Allowance For Loan Losses

		Three Months Ended				Year Ended
		March 31,				December 31,
Dollars in thousands		2013		2012		2012
Balance, beginning of year	$	17,933	$	17,712	$	17,712
Losses:
Commercial		17		31		1,273
Commercial real estate
Owner occupied		63		283		636
Non-owner occupied		3		395		806
Construction and development
Land and land development		2,062		365		3,390
Construction		-		-		367
Residential real estate
Non-jumbo		228		126		1,372
Jumbo		60		87		737
Home equity		20		-		5
Consumer		22		32		136
Other		22		20		95
Total		2,497		1,339		8,817
Recoveries:
Commercial		2		2		13
Commercial real estate
Owner occupied		2		3		33
Non-owner occupied		-		8		31
Construction and development
Land and land development		5		5		61
Construction		-		-		-
Real estate - mortgage
Non-jumbo		19		19		81
Jumbo		1		9		86
Home equity		-		60		61
Consumer		21		14		95
Other		34		29		77
Total		84		149		538
Net losses		2,413		1,190		8,279
Provision for loan losses		1,500		2,001		8,500
Balance, end of year	$	17,020	$	18,523	$	17,933

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	$	5,220	$	138	$	782	$	1,387	$	3,269		$	2,617		$	3,942	$	425		$	132		$	21		$	17,933
Charge-offs		2,062		-		17		63		3			228			60		20			22			22			2,497
Recoveries		5		-		2		2		-			19			1		-			21			34			84
Provision		742		140		256		53		(18	)		(76	)		632		(179	)		(26	)		(24	)		1,500
Ending balance	$	3,905	$	278	$	1,023	$	1,379	$	3,248		$	2,332		$	4,515	$	226		$	105		$	9		$	17,020
Allowance related to:
Loans individually
evaluated for impairment	$	1,421	$	-	$	403	$	437	$	152		$	303		$	3,707	$	28		$	14		$	-		$	6,465
Loans collectively
evaluated for impairment		2,484		278		620		942		3,096			2,029			808		198			91			9			10,555
Loans acquired with
deteriorated credit quality		-		-		-		-		-			-			-		-			-			-			-
Total	$	3,905	$	278	$	1,023	$	1,379	$	3,248		$	2,332		$	4,515	$	226		$	105		$	9		$	17,020
Loans
Loans individually
evaluated for impairment	$	28,051	$	-	$	10,486	$	16,007	$	6,858		$	6,019		$	21,450	$	213		$	62		$	-		$	89,146
Loans collectively
evaluated for impairment		48,226		5,782		76,391		135,935		281,617			207,946			41,399		53,552			19,576			3,191		$	873,615
Loans acquired with
deteriorated credit quality		-		-		-		-		-			-			-		-			-			-			-
Total	$	76,277	$	5,782	$	86,877	$	151,942	$	288,475		$	213,965		$	62,849	$	53,765		$	19,638		$	3,191		$	962,761