7. Allowance For Loan Losses (Tables)

6 Months Ended

Jun. 30, 2013

Allowance for Loan and Lease Losses, Adjustments, Net [Abstract]

Summary Of Analysis Of Allowance For Loan Losses

	Six Months Ended				Year Ended
	June 30,				December 31,
Dollars in thousands	2013		2012		2012
Balance, beginning of year	$	17,933	$	17,712	$	17,712
Losses:
Commercial		54		126		1,273
Commercial real estate
Owner occupied		66		636		636
Non-owner occupied		9		457		806
Construction and development
Land and land development		2,166		1,715		3,390
Construction		—		368		367
Residential real estate
Non-jumbo		384		480		1,372
Jumbo		3,625		237		737
Home equity		76		4		5
Consumer		34		65		136
Other		51		41		95
Total		6,465		4,129		8,817
Recoveries:
Commercial		4		4		13
Commercial real estate
Owner occupied		2		24		33
Non-owner occupied		—		13		31
Construction and development
Land and land development		9		14		61
Construction		—		—		—
Real estate - mortgage
Non-jumbo		43		32		81
Jumbo		3		84		86
Home equity		1		60		61
Consumer		37		34		95
Other		55		40		77
Total		154		305		538
Net losses		6,311		3,824		8,279
Provision for loan losses		2,500		4,002		8,500
Balance, end of year	$	14,122	$	17,890	$	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		2,166		—		54		66		9			384			3,625		76			34			51			6,465
Recoveries		9		—		4		2		—			43			3		1			37			55			154
Provision		1,257		22		339		334		(1,727	)		(95	)		2,498		(77	)		(42	)		(9	)		2,500
Ending balance	$	4,320	$	160	$	1,071	$	1,657	$	1,533		$	2,181		$	2,818	$	273		$	93		$	16		$	14,122
Allowance related to:
Loans individually
evaluated for impairment	$	1,843	$	—	$	387	$	741	$	165		$	308		$	1,043	$	28		$	13		$	—		$	4,528
Loans collectively
evaluated for impairment		2,477		160		684		916		1,368			1,873			1,775		245			80			16			9,594
Loans acquired with
deteriorated credit quality		—		—		—		—		—			—			—		—			—			—			—
Total	$	4,320	$	160	$	1,071	$	1,657	$	1,533		$	2,181		$	2,818	$	273		$	93		$	16		$	14,122
Loans
Loans individually
evaluated for impairment	$	27,364	$	—	$	7,987	$	14,731	$	6,814		$	6,213		$	17,824	$	213		$	62		$	—		$	81,208
Loans collectively
evaluated for impairment		46,063		7,634		70,976		134,929		270,959			210,546			40,743		53,561			20,085			3,397		$	858,893
Loans acquired with
deteriorated credit quality		—		—		—		—		—			—			—		—			—			—			—
Total	$	73,427	$	7,634	$	78,963	$	149,660	$	277,773		$	216,759		$	58,567	$	53,774		$	20,147		$	3,397		$	940,101