7. Allowance For Loan Losses (Tables)

3 Months Ended

Mar. 31, 2014

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

Summary Of Analysis Of Allowance For Loan Losses

	Three Months Ended				Year Ended
	March 31,				December 31,
Dollars in thousands	2014		2013		2013
Balance, beginning of year	$	12,659	$	17,933	$	17,933
Losses:
Commercial		390		17		723
Commercial real estate
Owner occupied		11		63		1,031
Non-owner occupied		-		3		9
Construction and development
Land and land development		2,376		2,062		3,596
Construction		-		-		-
Residential real estate
Non-jumbo		9		228		541
Jumbo		8		60		4,741
Home equity		-		20		77
Consumer		45		22		79
Other		23		22		162
Total		2,862		2,497		10,959
Recoveries:
Commercial		6		2		12
Commercial real estate
Owner occupied		7		2		8
Non-owner occupied		3		-		674
Construction and development
Land and land development		26		5		187
Construction		-		-		-
Real estate - mortgage
Non-jumbo		20		19		127
Jumbo		163		1		6
Home equity		2		-		5
Consumer		20		21		79
Other		25		34		87
Total		272		84		1,185
Net losses		2,590		2,413		9,774
Provision for loan losses		1,000		1,500		4,500
Balance, end of period	$	11,069	$	17,020	$	12,659

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	$	5,455	$	269	$	1,323	$	969	$	641		$	1,843		$	1,888		$	173		$	48	$	50	$	12,659
Charge-offs		2,376		-		390		11		-			9			8			-			45		23		2,862
Recoveries		26		-		6		7		3			20			163			2			20		25		272
Provision		1,758		27		181		69		(217	)		(332	)		(471	)		(41	)		11		15		1,000
Ending balance	$	4,863	$	296	$	1,120	$	1,034	$	427		$	1,522		$	1,572		$	134		$	34	$	67	$	11,069
Allowance related to:
Loans individually
evaluated for impairment	$	2,553	$	-	$	18	$	324	$	85		$	337		$	56		$	-		$	-	$	-	$	3,373
Loans collectively
evaluated for impairment		2,310		296		1,102		710		342			1,185			1,516			134			34		67		7,696
Loans acquired with
deteriorated credit quality		-		-		-		-		-			-			-			-			-		-		-
Total	$	4,863	$	296	$	1,120	$	1,034	$	427		$	1,522		$	1,572		$	134		$	34	$	67	$	11,069
Loans
Loans individually
evaluated for impairment	$	17,564	$	-	$	899	$	12,454	$	5,778		$	6,053		$	8,730		$	186		$	39	$	-	$	51,703
Loans collectively
evaluated for impairment		49,778		18,327		92,618		137,571		291,419			209,612			42,676			55,975			19,067		5,037	$	922,080
Loans acquired with
deteriorated credit quality		-		-		-		-		-			-			-			-			-		-		-
Total	$	67,342	$	18,327	$	93,517	$	150,025	$	297,197		$	215,665		$	51,406		$	56,161		$	19,106	$	5,037	$	973,783