6. Allowance For Loan Losses (Tables)

12 Months Ended

Dec. 31, 2013

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

Summary Of Analysis Of Allowance For Loan Losses

Dollars in thousands	2013		2012		2011
Balance, beginning of year	$	17,933	$	17,712	$	17,224
Losses
Commercial		723		1,273		506
Commercial real estate
Owner occupied		1,031		636		508
Non-owner occupied		9		806		78
Construction and development
Land and land development		3,596		3,390		3,568
Construction		-		367		-
Residential real estate
Non-jumbo		541		1,372		3,178
Jumbo		4,741		737		1,511
Home equity		77		5		346
Consumer		79		136		162
Other		162		95		86
Total		10,959		8,817		9,943
Recoveries
Commercial		12		13		35
Commercial real estate
Owner occupied		8		33		37
Non-owner occupied		674		31		55
Construction and development
Land and land development		187		61		43
Construction		-		-		-
Real estate - mortgage
Non-jumbo		127		81		83
Jumbo		6		86		14
Home equity		5		61		1
Consumer		79		95		112
Other		87		77		51
Total		1,185		538		431
Net losses		9,774		8,279		9,512
Provision for loan losses		4,500		8,500		10,000
Balance, end of year	$	12,659	$	17,933	$	17,712

Summary Of Activity In Allowance For Loan Losses By Loan Class

	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
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		3,596		-		723		1,031		9			541			4,741		77			79			162		10,959
Recoveries		187		-		12		8		674			127			6		5			79			87		1,185
Provision		3,644		131		1,252		605		(3,293	)		(360	)		2,681		(180	)		(84	)		104		4,500
Ending balance	$	5,455	$	269	$	1,323	$	969	$	641		$	1,843		$	1,888	$	173		$	48		$	50	$	12,659
Allowance related to:
Loans individually
evaluated for impairment	$	3,186	$	-	$	406	$	306	$	175		$	256		$	37	$	22		$	13		$	-	$	4,401
Loans collectively
evaluated for impairment		2,269		269		918		663		466			1,586			1,851		151			35			50		8,258
Loans acquired with
deteriorated credit quality		-		-		-		-		-			-			-		-			-			-		-
Total	$	5,455	$	269	$	1,324	$	969	$	641		$	1,842		$	1,888	$	173		$	48		$	50	$	12,659
Loans
Loans individually
evaluated for impairment	$	25,269	$	-	$	2,023	$	12,550	$	5,832		$	6,082		$	8,768	$	212		$	47		$	-	$	60,783
Loans collectively
evaluated for impairment		46,184		15,155		86,329		137,068		274,958			206,864			44,638		54,632			19,842			3,276		888,946
Loans acquired with
deteriorated credit quality		-		-		-		-		-			-			-		-			-			-		-
Total	$	71,453	$	15,155	$	88,352	$	149,618	$	280,790		$	212,946		$	53,406	$	54,844		$	19,889		$	3,276	$	949,729

	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