6. Loans (Tables)

3 Months Ended

Mar. 31, 2014

Loans and Leases Receivable Disclosure [Abstract]

Summary Of Loans, Net Of Unearned Fees

March 31,			December 31,			March 31,
Dollars in thousands	2014			2013			2013
Commercial	$	93,517		$	88,352		$	86,877
Commercial real estate
Owner-occupied		150,025			149,618			151,942
Non-owner occupied		297,197			280,790			288,475
Construction and development
Land and land development		67,342			71,453			76,277
Construction		18,327			15,155			5,782
Residential real estate
Non-jumbo		215,665			212,946			213,965
Jumbo		51,406			53,406			62,849
Home equity		56,161			54,844			53,765
Consumer		19,106			19,889			19,638
Other		5,037			3,276			3,191
Total loans, net of unearned fees		973,783			949,729			962,761
Less allowance for loan losses		11,069			12,659			17,020
Loans, net	$	962,714		$	937,070		$	945,741

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

At March 31, 2014
	Past Due										> 90 days
Dollars in thousands	30-59 days		60-89 days		> 90 days		Total		Current		and Accruing
Commercial	$	52	$	50	$	796	$	898	$	92,619	$	-
Commercial real estate
Owner-occupied		-		236		125		361		149,664		-
Non-owner occupied		1,076		-		768		1,844		295,353		-
Construction and development
Land and land development		754		-		6,123		6,877		60,465		-
Construction		-		-		-		-		18,327		-
Residential mortgage
Non-jumbo		2,780		804		1,821		5,405		210,260		-
Jumbo		712		-		-		712		50,694		-
Home equity		75		-		69		144		56,017		-
Consumer		207		32		45		284		18,822		-
Other		-		-		-		-		5,037		-
Total	$	5,656	$	1,122	$	9,747	$	16,525	$	957,258	$	-

	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 March 31, 2013
	Past Due										> 90 days
Dollars in thousands	30-59 days		60-89 days		> 90 days		Total		Current		and Accruing
Commercial	$	148	$	44	$	1,921	$	2,113	$	84,764	$	-
Commercial real estate
Owner-occupied		1,075		310		-		1,385		150,557		-
Non-owner occupied		222		708		909		1,839		286,636		-
Construction and development
Land and land development		65		794		10,538		11,397		64,880		-
Construction		-		-		153		153		5,629		-
Residential mortgage
Non-jumbo		4,910		1,052		2,362		8,324		205,641		-
Jumbo		-		-		12,565		12,565		50,284		-
Home equity		247		48		-		295		53,470		-
Consumer		244		34		44		322		19,316		-
Other		-		-		-		-		3,191		-
Total	$	6,911	$	2,990	$	28,492	$	38,393	$	924,368	$	-

Schedule Of Nonaccrual Loans Included In Net Balance Of Loans

Dollars in thousands	3/31/2014		12/31/2013		3/31/2013
Commercial	$	866	$	1,224	$	4,763
Commercial real estate
Owner-occupied		2,404		1,953		495
Non-owner occupied		430		365		1,030
Construction and development
Land & land development		10,252		12,830		12,923
Construction		-		-		153
Residential mortgage
Non-jumbo		2,593		2,446		4,001
Jumbo		-		-		12,565
Home equity		297		-		303
Consumer		73		128		72
Total	$	16,915	$	18,946	$	36,305

Schedule Of Method Used To Measure Impairment Of Impaired Loans

Loan Category	03/31/2014		12/31/2013		03/31/2013		Method used to measure impairment
Commerical	$	899	$	1,864	$	10,322	Fair value of collateral
		-		158		164	Discounted cash flow
Commerical real estate
Owner-occupied		4,856		10,067		13,334	Fair value of collateral
		7,598		2,483		2,673	Discounted cash flow
Non-owner occupied		518		5,832		6,858	Fair value of collateral
		5,259		-		-	Discounted cash flow
Construction and development
Land & land development		16,107		24,625		27,395	Fair value of collateral
		1,457		644		656	Discounted cash flow
Construction		-		-		-	Fair value of collateral
Residential mortgage
Non-jumbo		3,450		5,516		5,190	Fair value of collateral
		2,603		566		829	Discounted cash flow
Jumbo		6,644		8,768		21,450	Fair value of collateral
		2,086		-		-	Discounted cash flow
Home equity		186		212		213	Fair value of collateral
Consumer		40		47		62	Fair value of collateral
Total	$	51,703	$	60,782	$	89,146

Schedule Of Loans Individually Evaluated For Impairment

March 31, 2014
							Average		Interest Income
	Recorded		Unpaid		Related		Impaired		Recognized
Dollars in thousands	Investment		Principal Balance		Allowance		Balance		while impaired
Without a related allowance
Commercial	$	824	$	824	$	-	$	824	$	27
Commercial real estate
Owner-occupied		7,836		7,836		-		7,836		231
Non-owner occupied		5,035		5,037		-		5,037		249
Construction and development
Land & land development		11,793		11,793		-		11,793		323
Construction		-		-		-		-		-
Residential real estate
Non-jumbo		3,209		3,217		-		3,217		140
Jumbo		7,828		7,833		-		7,833		401
Home equity		186		186		-		186		11
Consumer		40		40		-		40		3
Total without a related allowance	$	36,751	$	36,766	$	-	$	36,766	$	1,385
With a related allowance
Commercial	$	75	$	75	$	18	$	75	$	5
Commercial real estate
Owner-occupied		4,618		4,618		324		4,618		213
Non-owner occupied		740		740		85		740		28
Construction and development
Land & land development		5,771		5,771		2,553		5,771		40
Construction		-		-		-		-		-
Residential real estate
Non-jumbo		2,835		2,836		337		2,836		134
Jumbo		896		897		56		897		45
Home equity		-		-		-		-		-
Consumer		-		-		-		-		-
Total with a related allowance	$	14,935	$	14,937	$	3,373	$	14,937	$	465
Total
Commercial	$	36,692	$	36,694	$	2,980	$	36,694	$	1,116
Residential real estate		14,954		14,969		393		14,969		731
Consumer		40		40		-		40		3
Total	$	51,686	$	51,703	$	3,373	$	51,703	$	1,850

	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

	March 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	$	9,442	$	9,446	$	-	$	9,446	$	439
Commercial real estate
Owner-occupied		9,882		9,886		-		9,886		455
Non-owner occupied		5,430		5,432		-		5,432		271
Construction and development
Land & land development		15,623		15,622		-		14,883		575
Construction		-		-		-		-		-
Residential real estate
Non-jumbo		3,523		3,531		-		3,531		153
Jumbo		7,264		7,265		-		7,265		360
Home equity		185		186		-		186		11
Consumer		35		35		-		35		1
Total without a related allowance	$	51,384	$	51,403	$	-	$	50,664	$	2,265
With a related allowance
Commercial	$	1,031	$	1,040	$	403	$	1,040	$	8
Commercial real estate
Owner-occupied		6,121		6,121		437		6,120		282
Non-owner occupied		1,426		1,426		152		1,427		29
Construction and development
Land & land development		12,429		12,429		1,421		12,429		157
Construction		-		-		-		-		-
Residential real estate
Non-jumbo		2,487		2,488		303		2,487		87
Jumbo		14,180		14,185		3,707		14,185		94
Home equity		28		27		28		28		-
Consumer		26		27		14		26		2
Total with a related allowance	$	37,728	$	37,743	$	6,465	$	37,742	$	659
Total
Commercial	$	61,384	$	61,402	$	2,413	$	60,663	$	2,216
Residential real estate		27,667		27,682		4,038		27,682		705
Consumer		61		62		14		61		3
Total	$	89,112	$	89,146	$	6,465	$	88,406	$	2,924

Schedule Of Restructured Trouble Debt Restructurings By Class

For the Three Months Ended							For the Three Months Ended
	March 31, 2014							March 31, 2013
			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		-	$	-	$	-			-	$	-	$	-
Commercial real estate
Owner-occupied		-		-		-			-		-		-
Non-owner occupied		-		-		-			-		-		-
Construction and development
Land & land development		-		-		-			1		49		50
Construction		-		-		-			-		-		-
Residential real estate
Non-jumbo		-		-		-			-		-		-
Jumbo		-		-		-			-		-		-
Home equity		-		-		-			-		-		-
Consumer		-		-		-			-		-		-
Total		-	$	-	$	-			1	$	49	$	50

Schedule Of Defaults During Stated Period Of Trouble Debt Restructurings

For the Three Months Ended
	March 31, 2014
	Number of		Recorded Investment
dollars in thousands	Defaults		at Default Date
Commercial		1	$	56
Commercial real estate
Owner-occupied		-		-
Non-owner occupied		-		-
Construction and development
Land & land development		1		698
Construction		-		-
Residential real estate
Non-jumbo		4		576
Jumbo		-		-
Home equity		-		-
Consumer		-		-
Total		6	$	1,330

Schedule of the Activity Regarding TDRs by Loan Type

March 31, 2014
	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, 2014	$	6,164		$	-	$	1,242		$	9,698		$	5,544		$	5,542		$	6,278		$	-	$	46		$	-	$	34,514
Additions		-			-		-			-			-			-			-			-		-			-		-
Charge-offs		-			-		-			-			-			-			-			-		(3	)		-		(3	)
Net (paydowns) advances		(95	)		-		(733	)		(54	)		(52	)		(29	)		(41	)		-		(3	)		-		(1,007	)
Transfer into OREO		-			-		-			-			-			-			-			-		-			-		-
Refinance out of TDR status		-			-		-			-			-			-			-			-		-			-		-
Balance March 31, 2014	$	6,069		$	-	$	509		$	9,644		$	5,492		$	5,513		$	6,237		$	-	$	40		$	-	$	33,504
Allowance related to
troubled debt? restructurings	$	171		$	-	$	18		$	176		$	85		$	334		$	56		$	-	$	-		$	-	$	840

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	3/31/2014	12/31/2013	3/31/2014	12/31/2013	3/31/2014	12/31/2013	3/31/2014	12/31/2013	3/31/2014	12/31/2013

Pass	$	45,857	$	41,662	$	18,035	$	15,022	$	91,387	$	82,323	$	143,443	$	143,982	$	285,977	$	268,967
OLEM (Special Mention)		5,304		5,550		292		133		1,225		4,544		1,927		1,412		9,560		10,222
Substandard		16,071		24,131		-		-		515		1,485		4,655		4,224		1,660		1,601
Doubtful		110		110		-		-		390		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-		-
Total	$	67,342	$	71,453	$	18,327	$	15,155	$	93,517	$	88,352	$	150,025	$	149,618	$	297,197	$	280,790

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

Performing							Nonperforming
Dollars in thousands	3/31/2014		12/31/2013		3/31/2013			3/31/2014		12/31/2013		3/31/2013
Residential real estate
Non-jumbo	$	213,071	$	210,500	$	209,964		$	2,594	$	2,446	$	4,001
Jumbo		51,406		53,406		50,284			-		-		12,565
Home Equity		55,865		54,844		53,462			296		-		303
Consumer		19,033		19,761		19,566			73		128		72
Other		5,037		3,276		3,191			-		-		-
Total	$	344,412	$	341,787	$	336,467		$	2,963	$	2,574	$	16,941