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5. Loans (Tables)
 12 Months Ended
Dec. 31, 2013
Loans and Leases Receivable Disclosure [Abstract]  
Summary Of Loans, Net Of Unearned Fees
Dollars in thousands 2013   2012
 Commercial $ 88,352   $ 85,829
 Commercial real estate          
      Owner-occupied   149,618     154,252
      Non-owner occupied   280,790     276,082
 Construction and development          
      Land and land development   71,453     79,335
      Construction   15,155     3,772
 Residential real estate          
      Non-jumbo   212,946     216,714
      Jumbo   53,406     61,567
      Home equity   54,844     53,263
 Consumer   19,889     20,586
 Other   3,276     3,701
      Total loans, net of unearned fees   949,729     955,101
 Less allowance for loan losses   12,659     17,933
       Loans, net $ 937,070   $ 937,168
Schedule Of Loan Maturities
  Within   After 1 but   After
Dollars in thousands 1Year   within 5 Years   5 Years
Commercial $ 31,351   $ 37,753   $ 19,248
Commercial real estate   32,535     90,640     307,233
Construction and development   35,864     8,888     41,856
Residential real estate   11,376     18,772     291,048
Consumer   4,069     14,005     1,815
Other   497     1,032     1,747
  $ 115,692   $ 171,090   $ 662,947
                 
Loans due after one year with:                
    Variable rates       $ 100,298      
    Fixed rates         733,739      
        $ 834,037      
Schedule Of Contractual Aging Of Recorded Investment In Past Due Loans By Class

 

 

  At December 31, 2013
  Past Due       > 90 days
Dollars in thousands 30-59 days   60-89 days   > 90 days   Total   Current   and accruing
Commercial $ 74   $ 34   $ 1,190   $ 1,298   $ 87,054   $ -
Commercial real estate                                  
     Owner-occupied   328     459     487     1,274     148,344     -
     Non-owner occupied   912     115     128     1,155     279,635     -
Construction and development                                  
     Land and land development   1,627     -     8,638     10,265     61,188     -
     Construction   -     -     -     -     15,155     -
Residential mortgage                                  
     Non-jumbo   2,708     1,673     1,321     5,702     207,244     -
     Jumbo   -     -     -     -     53,406     -
     Home equity   588     87     -     675     54,169     -
Consumer   224     82     106     412     19,477     -
Other   -     -     -     -     3,276     -
     Total $ 6,461   $ 2,450   $ 11,870   $ 20,781   $ 928,948   $ -
                                   
   
   
  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     -
     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   $ -

 
Schedule Of Nonaccrual Loans Included In Net Balance Of Loans
Dollars in thousands 2013   2012
Commercial $ 1,224   $ 5,002
Commercial real estate          
   Owner-occupied   1,953     1,524
   Non-owner occupied   365     1,032
Construction and development          
   Land & land development   12,830     13,487
   Construction   -     154
Residential mortgage          
   Non-jumbo   2,446     3,518
   Jumbo   -     12,564
   Home equity   -     440
Consumer   128     55
Other   -     -
     Total $ 18,946   $ 37,776
Schedule Of Method Used To Measure Impairment Of Impaired Loans
Method Used to Measure Impairment of Impaired Loans    
Dollars in thousands          
  December 31,   Method Used
Loan Category 2013   2012   to measure impairment
Commerical $ 1,864   $ 10,776   Fair value of collateral
    158     165   Discounted cash flow
Commerical real estate              
   Owner-occupied   10,067     14,028   Fair value of collateral
    2,483     2,686   Discounted cash flow
   Non-owner occupied   5,832     9,468   Fair value of collateral
Construction and development              
   Land & land development   24,625     29,307   Fair value of collateral
    644     656   Discounted cash flow
Residential mortgage              
   Non-jumbo   5,516     5,626   Fair value of collateral
    566     692   Discounted cash flow
   Jumbo   8,768     21,543   Fair value of collateral
   Home equity   212     219   Fair value of collateral
Consumer   47     66   Discounted cash flow
Total $ 60,782   $ 95,232    
Schedule Of Loans Individually Evaluated For Impairment

 

 

 

 

  December 31, 2013
              Average   Interest Income
  Recorded   Unpaid   Related   Impaired   Recognized
Dollars in thousands Investment   Principal Balance   Allowance   Balance   while impaired
                   
Without a related allowance                  
  Commercial $ 1,161   $ 1,167   $ -   $ 1,518   $ 98
  Commercial real estate                            
     Owner-occupied   8,434     8,434     -     7,675     226
     Non-owner occupied   5,075     5,077     -     5,110     253
  Construction and development                            
     Land & land development   14,732     14,737     -     11,628     325
     Construction   -     -     -     -     -
  Residential real estate                            
     Non-jumbo   3,587     3,595     -     2,858     157
     Jumbo   7,862     7,867     -     7,910     405
     Home equity   186     186     -     186     11
     Consumer   26     27     -     28     1
Total without a related allowance $ 41,063   $ 41,090   $ -   $ 36,913   $ 1,476
                             
With a related allowance                            
  Commercial $ 855   $ 855   $ 406   $ 1,013   $ -
  Commercial real estate                            
     Owner-occupied   4,116     4,116     305     3,945     184
     Non-owner occupied   747     755     175     515     28
  Construction and development                            
     Land & land development   10,532     10,532     3,186     11,310     147
     Construction   -     -     -     -     -
  Residential real estate                            
     Non-jumbo   2,485     2,487     256     2,292     107
     Jumbo   900     901     37     906     45
     Home equity   27     26     22     27     -
     Consumer   20     20     13     9     -
Total with a related allowance $ 19,682   $ 19,692   $ 4,400   $ 20,017   $ 511
                             
Total                            
   Commercial $ 45,652   $ 45,673   $ 4,072   $ 42,714   $ 1,261
   Residential real estate   15,047     15,062     315     14,179     725
   Consumer   46     47     13     37     1
Total $ 60,745   $ 60,782   $ 4,400   $ 56,930   $ 1,987

 

 


 

 

 

  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

 
Schedule Of Restructured Trouble Debt Restructurings By Class
  2013     2012
      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
  Commercial 2   $ 76   $ 79     9   $ 6,238   $ 5,681
  Commercial real estate                                
     Owner-occupied -     -     -     -     -     -
     Non-owner occupied 1     244     244     3     4,063     3,685
  Construction and development                                
     Land & land development 2     747     748     3     3,715     2,927
     Construction -     -     -     -     -     -
  Residential real estate                                
     Non-jumbo 7     1,137     1,137     8     1,394     1,405
     Jumbo -     -     -     3     2,301     2,701
     Home equity -     -     -     -     -     -
  Consumer 1     11     12     4     66     66
Total 13   $ 2,215   $ 2,220     30   $ 17,777   $ 16,465
Schedule Of Defaults During Stated Period Of Trouble Debt Restructurings
  2013     2012
  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 estate                    
     Owner-occupied -     -     -     -
     Non-owner occupied -     -     -     -
  Construction and development                    
     Land & land development 1     698     -     -
     Construction -     -     -     -
  Residential real estate                    
     Non-jumbo 2     347     3     382
     Jumbo -     -     1     1,300
     Home equity -     -     -     -
  Consumer -     -     3     58
Total 3   $ 1,045     10   $ 4,117
Schedule of the Activity Regarding TDRs by Loan Type
2013
  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
                                               
Troubled debt restructurings                                            
Balance January 1, 2013 $ 9,570   $ -   $ 4,981   $ 10,692   $ 7,331     $ 5,089   $ 19,000   $ -   $ 65   $ -     $ 56,728
   Additions   747     -     76     -     244       1,137     -     -     11     -       2,215
   Charge-offs   (888 )   -     (195 )   (63 )   -       (37 )   (4,680 )   -     (10 )   -       (5,873)
   Net (paydowns) advances   (3,265 )   -     (3,620 )   (412 )   (140 )     (458 )   (42 )   -     (20 )   -       (7,957)
   Transfer into OREO   -     -     -     (519 )   -       (189 )   (8,000 )   -     -     -       (8,708)
   Refinance out of TDR status   -     -     -     -     (1,891 )     -     -     -     -     -       (1,891)
Balance December 31, 2013 $ 6,164   $ -   $ 1,242   $ 9,698   $ 5,544     $ 5,542   $ 6,278   $ -   $ 46   $ -     $ 34,514
                                                                     
Allowance related to                                                                    
   troubled debt restructurings $ 190   $ -   $ 16   $ 204   $ 175     $ 243   $ 37   $ -   $ 13   $ -     $ 878
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 2013   2012   2013   2012     2013   2012     2013   2012   2013   2012
Pass $ 41,662   $ 43,572   $ 15,022   $ 3,619     $ 82,323   $ 73,425     $ 143,982   $ 139,176   $ 268,967   $ 262,132
OLEM (Special Mention)   5,550     7,349     133     -       4,544     1,260       1,412     1,034     10,222     11,477
Substandard   24,131     28,414     -     153       1,485     11,144       4,224     14,042     1,601     2,473
Doubtful   110     -     -     -       -     -       -     -     -     -
Loss   -     -     -     -       -     -       -     -     -     -
     Total $ 71,453   $ 79,335   $ 15,155   $ 3,772     $ 88,352   $ 85,829     $ 149,618   $ 154,252   $ 280,790   $ 276,082
Schedule Of Recorded Investment Evaluated Based On Aging Status Of Loans And Payment Activity
  Performing     Nonperforming
Dollars in thousands 2013   2012     2013   2012
Residential real estate                
   Non-jumbo $ 210,500   $ 213,196     $ 2,446   $ 3,518
   Jumbo   53,406     49,003       -     12,564
   Home Equity   54,844     52,823       -     440
Consumer   19,761     20,531       128     55
Other   3,276     3,701       -     -
Total $ 341,787   $ 339,254     $ 2,574   $ 16,577
Schedule Of Activity With Respect To Related Party Loans

 

 

Dollars in thousands 2013   2012
  Balance, beginning $ 18,973   $ 17,063
      Additions   7,978     10,097
      Amounts collected   (8,317 )   (8,204)
      Other changes, net   (57 )   17
  Balance, ending $ 18,577   $ 18,973