6. Loans (Tables)

6 Months Ended

Jun. 30, 2013

Loans and Leases Receivable Disclosure [Abstract]

Summary Of Loans, Net Of Unearned Fees

	June 30,		December 31,		June 30,
Dollars in thousands	2013		2012		2012
Commercial	$	78,963	$	85,829	$	92,060
Commercial real estate
Owner-occupied		149,660		154,252		152,347
Non-owner occupied		277,773		276,082		280,891
Construction and development
Land and land development		73,427		79,335		84,383
Construction		7,634		3,772		1,793
Residential real estate
Non-jumbo		216,759		216,714		217,321
Jumbo		58,567		61,567		61,961
Home equity		53,774		53,263		51,693
Consumer		20,147		20,586		21,212
Other		3,397		3,701		2,523
Total loans, net of unearned fees		940,101		955,101		966,184
Less allowance for loan losses		14,122		17,933		17,890
Loans, net	$	925,979	$	937,168	$	948,294

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

	At June 30, 2013
											Recorded
											Investment
		Past Due				>90 days
Dollars in thousands		30-59 days		60-89 days		>90 days		Total		Current		and Accruing
Commercial	$	144	$	55	$	1,669	$	1,868	$	77,095	$	—
Commercial real estate
Owner-occupied		85		—		314		399		149,261		—
Non-owner occupied		543		—		899		1,442		276,331		—
Construction and development
Land and land development		698		—		9,929		10,627		62,800		—
Construction		—		—		60		60		7,574		—
Residential mortgage
Non-jumbo		4,086		1,171		2,494		7,751		209,008		—
Jumbo		709		—		9,000		9,709		48,858		—
Home equity		101		26		25		152		53,622		—
Consumer		239		64		63		366		19,781		—
Other		53		—		—		53		3,344		—
Total	$	6,658	$	1,316	$	24,453	$	32,427	$	907,674	$	—

	At December 31, 2012
											Recorded
											Investment
		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		—
Construction		—		—		153		153		3,619		—
Residential mortgage
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 June 30, 2012
											Recorded
											Investment
		Past Due				>90 days
Dollars in thousands		30-59 days		60-89 days		>90 days		Total		Current		and Accruing
Commercial	$	367	$	20	$	2,334	$	2,721	$	89,339	$	—
Commercial real estate
Owner-occupied		1,074		888		590		2,552		149,795		—
Non-owner occupied		480		101		1,287		1,868		279,023		—
Construction and development
Land and land development		1,756		79		12,634		14,469		69,914		—
Construction		—		—		153		153		1,640		—
Residential mortgage
Non-jumbo		3,819		950		3,139		7,908		209,413		—
Jumbo		2,160		1,050		12,592		15,802		46,159		—
Home equity		450		7		69		526		51,167		—
Consumer		329		88		37		454		20,758		—
Other		—		—		—		—		2,523		—
Total	$	10,435	$	3,183	$	32,835	$	46,453	$	919,731	$	—

Schedule Of Nonaccrual Loans Included In Net Balance Of Loans

Dollars in thousands	6/30/2013		12/31/2012		6/30/2012
Commercial	$	3,996	$	5,002	$	6,476
Commercial real estate
Owner-occupied		796		1,524		2,248
Non-owner occupied		899		1,032		1,288
Construction and development
Land & land development		11,445		13,487		17,244
Construction		60		154		153
Residential mortgage
Non-jumbo		4,333		3,518		3,449
Jumbo		9,000		12,564		14,752
Home equity		271		440		349
Consumer		92		55		78
Other		—		—		—
Total	$	30,892	$	37,776	$	46,037

Schedule Of Method Used To Measure Impairment Of Impaired Loans

Method Used to Measure Impairment of Impaired Loans
Dollars in thousands
Loan Category	6/30/2013	12/31/2012	6/30/2012	Method used to measure impairment
Commerical	$        7,825	$      10,776	$        3,031	Fair value of collateral
	162	165	3,864	Discounted cash flow
Commerical real estate
Owner-occupied	12,074	14,028	13,299	Fair value of collateral
	2,657	2,686	2,709	Discounted cash flow
Non-owner occupied	6,814	9,468	9,987	Fair value of collateral
Construction and development
Land & land development	26,710	29,307	33,160	Fair value of collateral
	654	656	656	Discounted cash flow
Residential mortgage
Non-jumbo	5,322	5,626	5,997	Fair value of collateral
	891	692	1,243	Discounted cash flow
Jumbo	17,824	21,543	23,653	Fair value of collateral
Home equity	213	219	360	Fair value of collateral
Consumer	62	66	45	Fair value of collateral
Total	$      81,208	$      95,232	$      98,004

Schedule Of Loans Individually Evaluated For Impairment

	June 30, 2013
							Average			Interest Income
		Recorded		Unpaid		Related		Impaired			Recognized
Dollars in thousands		Investment		Principal Balance		Allowance		Balance			while impaired
Without a related allowance
Commercial	$	6,942	$	7,104	$	—	$	8,133		$	435
Commercial real estate
Owner-occupied		9,770		9,774		—		10,638			491
Non-owner occupied		5,396		5,398		—		3,969			199
Construction and development
Land & land development		16,904		16,904		—		16,853			725
Construction		—		—		—		—			—
Residential real estate
Non-jumbo		3,250		3,258		—		3,035			120
Jumbo		7,911		7,916		—		9,352			503
Home equity		186		186		—		186			11
Consumer		37		38		—		37			2
Total without a related allowance	$	50,396	$	50,578	$	—	$	52,203		$	2,486
With a related allowance
Commercial	$	874	$	883	$	387	$	565		$	4
Commercial real estate
Owner-occupied		4,957		4,957		741		3,967			186
Non-owner occupied		1,415		1,416		165		1,421			28
Construction and development
Land & land development		10,460		10,460		1,844		10,483			65
Construction		—		—		—		—			—
Residential real estate
Non-jumbo		2,952		2,955		307		2,963			141
Jumbo		9,907		9,908		1,044		10,277			45
Home equity		28		27		27		28			—
Consumer		25		24		13		25			2
Total with a related allowance	$	30,618	$	30,630	$	4,528	$	29,729		$	471
Total
Commercial	$	56,718	$	56,896	$	3,137	$	56,029		$	2,133
Residential real estate		24,234		24,250		1,378		25,841	#		820
Consumer		62		62		13		62			4
Total	$	81,014	$	81,208	$	4,528	$	81,932		$	2,957

	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
Commercial	$	10,518	$	10,537	$	—	$	3,131		$	134
Commercial real estate
Owner-occupied		9,992		9,996		—		8,528			368
Non-owner occupied		6,143		6,145		—		6,056			304
Construction and development
Land & land development		11,596		11,596		—		11,093			367
Construction		—		—		—		—			—
Residential real estate
Non-jumbo		3,497		3,505		—		3,040			125
Jumbo		7,347		7,349		—		5,399			272
Home equity		191		191		—		191			11
Consumer		38		38		—		32			1
Total without a related allowance	$	49,322	$	49,357	$	—	$	37,470		$	1,582
With a related allowance
Commercial	$	404	$	404	$	85	$	515		$	6
Commercial real estate
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 & land development		18,367		18,367		2,611		17,633			344
Construction		—		—		—		—			—
Residential real estate
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			—
Consumer		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

	June 30, 2012
							Average			Interest Income
		Recorded		Unpaid		Related		Impaired			Recognized
Dollars in thousands		Investment		Principal Balance		Allowance		Balance			while impaired
Without a related allowance
Commercial	$	5,938	$	5,947	$	—	$	1,818		$	47
Commercial real estate
Owner-occupied		12,893		12,872		—		9,778			359
Non-owner occupied		6,642		6,645		—		6,260			304
Construction and development
Land & land development		17,981		17,982		—		15,696			579
Construction		—		—		—		—			—
Residential real estate
Non-jumbo		3,810		3,819		—		3,164			140
Jumbo		17,665		17,669		—		15,504			250
Home equity		191		191		—		191			11
Consumer		41		41		—		26			1
Total without a related allowance	$	65,161	$	65,166	$	—	$	52,437		$	1,691
With a related allowance
Commercial	$	948	$	948	$	254	$	879		$	4
Commercial real estate
Owner-occupied		3,136		3,136		53		2,854			156
Non-owner occupied		3,341		3,342		306		3,350			115
Construction and development
Land & land development		15,834		15,834		3,029		13,589			114
Construction		—		—		—		—			—
Residential real estate
Non-jumbo		3,418		3,421		1,095		2,019			57
Jumbo		5,979		5,984		1,634		2,583			25
Home equity		169		169		147		165			7
Consumer		4		4		4		—			—
Total with a related allowance	$	32,829	$	32,838	$	6,522	$	25,439		$	478
Total
Commercial	$	66,713	$	66,706	$	3,642	$	54,224		$	1,678
Residential real estate		31,232		31,253		2,876		23,626	#		490
Consumer		45		45		4		26			1
Total	$	97,990	$	98,004	$	6,522	$	77,876		$	2,169

Schedule Of Restructured Trouble Debt Restructurings By Class

	For the Three Months Ended						For the Three Months Ended
	June 30, 2013						June 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		1	$	23	$	23		1	$	77	$	78
Commercial real estate
Owner-occupied		—		—		—		—		—		—
Non-owner occupied		—		—		—		—		—		—
Construction and development
Land & land development		—		—		—		1		1,789		1,000
Construction		—		—		—		—		—		—
Residential real estate
Non-jumbo		2		241		241		3		497		506
Jumbo		—		—		—		3		2,301		2,701
Home equity		—		—		—		—		—		—
Consumer		—		—		—		1		4		4
Total		3	$	264	$	264		9	$	4,668	$	4,289

	For the Six Months Ended						For the Six Months Ended
	June 30, 2013						June 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		1	$	23	$	23		3	$	1,109	$	1,117
Commercial real estate
Owner-occupied		—		—		—		—		—		—
Non-owner occupied		—		—		—		2		2,134		1,757
Construction and development
Land & land development		1		49		50		1		1,789		1,000
Construction		—		—		—		—		—		—
Residential real estate
Non-jumbo		2		241		241		5		557		567
Jumbo		—		—		—		3		2,301		2,701
Home equity		—		—		—		—		—		—
Consumer		—		—		—		2		42		42
Total		4	$	313	$	314		16	$	7,932	$	7,184

Schedule Of Defaults During Stated Period Of Trouble Debt Restructurings

	For the Three Months Ended				For the Six Months Ended
	June 30, 2013				June 30, 2013
	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	-		-		-		-
Non-owner occupied	-		-		-		-
Construction and development
Land & land development		—		—		2		1,676
Construction		—		—		—		—
Residential real estate
Non-jumbo		2		519		2		521
Jumbo		—		—		—		—
Home equity		—		—		—		—
Consumer		2		23		2		24
Total		4	$	542		6	$	2,221

Schedule Of Recorded Investment Evaluated Based On Internal Risk Ratings

Loan Risk Profile by Internal Risk Rating
	Construction and Development						Commercial Real Estate
	Land and land development		Construction		Commercial		Owner Occupied		Non-Owner Occupied
Dollars in thousands	6/30/2013	12/31/2012	6/30/2013	12/31/2012	6/30/2013	12/31/2012	6/30/2013	12/31/2012	6/30/2013	12/31/2012
Pass	$      40,785	$    43,572	$    7,574	$           3,619	$       69,208	$    73,425	$    136,076	$     139,176	$    264,775	$     262,132
OLEM (Special Mention)	6,671	7,349	-	-	1,391	1,260	5,508	1,034	11,551	11,477
Substandard	25,971	28,414	60	153	8,364	11,144	8,076	14,042	1,447	2,473
Doubtful	-	-	-	-	-	-	-	-	-	-
Loss	-	-	-	-	-	-	-	-	-	-
Total	$      73,427	$    79,335	$    7,634	$           3,772	$       78,963	$    85,829	$    149,660	$     154,252	$    277,773	$     276,082

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

	Performing			Nonperforming
Dollars in thousands	6/30/2013	12/31/2012	6/30/2012	6/30/2013	12/31/2012	6/30/2012
Residential real estate
Non-jumbo	$   212,426	$      13,196	$   213,872	$       4,333	$        3,518	$       3,449
Jumbo	49,567	49,003	47,209	9,000	12,564	14,752
Home Equity	53,503	52,823	51,344	271	440	349
Consumer	20,056	20,531	21,134	91	55	78
Other	3,397	3,701	2,523	-	-	-
Total	$   338,949	$    139,254	$   336,082	$     13,695	$      16,577	$     18,628