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6. Loans (Tables)
 6 Months Ended
Jun. 30, 2014
Loans and Leases Receivable Disclosure [Abstract]  
Summary Of Loans, Net Of Unearned Fees
    June 30,   December 31,   June 30,
 Dollars in thousands   2014   2013   2013
 Commercial   $ 90,096   $ 88,352   $ 78,963
 Commercial real estate                  
      Owner-occupied     154,260     149,618     149,660
      Non-owner occupied     314,439     280,790     277,773
 Construction and development                  
      Land and land development     64,246     71,453     73,427
      Construction     20,902     15,155     7,634
 Residential real estate                  
      Non-jumbo     219,569     212,946     216,759
      Jumbo     52,487     53,406     58,567
      Home equity     61,248     54,844     53,774
 Consumer     19,777     19,889     20,147
 Other     6,798     3,276     3,397
      Total loans, net of unearned fees     1,003,822     949,729     940,101
 Less allowance for loan losses     11,006     12,659     14,122
       Loans, net   $ 992,816   $ 937,070   $ 925,979
Schedule Of Contractual Aging Of Recorded Investment In Past Due Loans By Class

 

 

 

  At June 30, 2014
  Past Due       > 90 days
Dollars in thousands 30-59 days   60-89 days   > 90 days   Total   Current   and Accruing
Commercial $ 33   $ 363   $ 396   $ 792   $ 89,304   $ -
Commercial real estate                                  
     Owner-occupied   642     348     759     1,749     152,511     -
     Non-owner occupied   237     -     234     471     313,968     -
Construction and development                                  
     Land and land development   142     14     4,860     5,016     59,230     -
     Construction   -     -     -     -     20,902     -
Residential mortgage                                  
     Non-jumbo   3,198     1,760     2,060     7,018     212,551     -
     Jumbo   707     723     -     1,430     51,057     -
     Home equity   196     36     143     375     60,873     -
Consumer   452     183     72     707     19,070     -
Other   -     -     -     -     6,798     -
     Total $ 5,607   $ 3,427   $ 8,524   $ 17,558   $ 986,264   $ -

 

 


 

  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 June 30, 2013
  Past Due       > 90 days
Dollars in thousands 30-59 days   60-89 days   > 90 days   Total   Current   and Accruing
Commercial $ 144   $ 55   $ 1,669   $ 1,868   $ 77,095   $ -
Commercial real estate                                  
     Owner-occupied   85     -     314     399     149,261     -
     Non-owner occupied   543     -     899     1,442     276,331     -
Construction and development                                  
     Land and land development   698     -     9,929     10,627     62,800     -
     Construction   -     -     60     60     7,574     -
Residential mortgage                                  
     Non-jumbo   4,086     1,171     2,494     7,751     209,008     -
     Jumbo   709     -     9,000     9,709     48,858     -
     Home equity   101     26     25     152     53,622     -
Consumer   239     64     63     366     19,781     -
Other   53     -     -     53     3,344     -
     Total $ 6,658   $ 1,316   $ 24,453   $ 32,427   $ 907,674   $ -

 

 
Schedule Of Nonaccrual Loans Included In Net Balance Of Loans
Dollars in thousands   6/30/2014   12/31/2013   6/30/2013
Commercial   $ 416   $ 1,224   $ 3,996
Commercial real estate                  
   Owner-occupied     953     1,953     796
   Non-owner occupied     583     365     899
Construction and development                  
   Land & land development     8,849     12,830     11,445
   Construction     -     -     60
Residential mortgage                  
   Non-jumbo     2,950     2,446     4,333
   Jumbo     -     -     9,000
   Home equity     339     -     271
Consumer     129     128     92
     Total   $ 14,219   $ 18,946   $ 30,892
Schedule Of Method Used To Measure Impairment Of Impaired Loans
Method Used to Measure Impairment of Impaired Loans    
Dollars in thousands              
Loan Category 6/30/2014   12/31/2013   6/30/2013   Method used to measure impairment
Commerical $ 506   $ 1,864   $ 7,825   Fair value of collateral
    -     158     162   Discounted cash flow
Commerical real estate                    
   Owner-occupied   1,924     10,067     12,074   Fair value of collateral
    8,969     2,483     2,657   Discounted cash flow
   Non-owner occupied   513     5,832     6,814   Fair value of collateral
    5,236     -     -   Discounted cash flow
Construction and development                
   Land & land development   14,023     24,625     26,710   Fair value of collateral
    1,446     644     654   Discounted cash flow
Residential mortgage                    
   Non-jumbo   3,440     5,516     5,322   Fair value of collateral
    2,592     566     891   Discounted cash flow
   Jumbo   6,648     8,768     17,824   Fair value of collateral
    2,073     -     -   Discounted cash flow
   Home equity   186     212     213   Fair value of collateral
Consumer   37     47     62   Fair value of collateral
Total $ 47,593   $ 60,782   $ 81,208    
Schedule Of Loans Individually Evaluated For Impairment

 

 

  June 30, 2014
              Average   Interest Income
  Recorded   Unpaid   Related   Impaired   Recognized
Dollars in thousands Investment   Principal Balance   Allowance   Balance   while impaired
                   
Without a related allowance                  
  Commercial $ 506   $ 506   $ -   $ 506   $ 35
  Commercial real estate                            
     Owner-occupied   6,287     6,288     -     6,287     248
     Non-owner occupied   5,012     5,014     -     5,012     249
  Construction and development                            
     Land & land development   13,853     13,853     -     13,853     293
     Construction   -     -     -     -     -
  Residential real estate                            
     Non-jumbo   3,390     3,398     -     3,390     161
     Jumbo   7,823     7,828     -     7,823     401
     Home equity   186     186     -     186     11
Consumer   38     37     -     38     3
Total without a related allowance $ 37,095   $ 37,110   $ -   $ 37,095   $ 1,401
                             
With a related allowance                            
  Commercial $ -   $ -   $ -   $ -   $ -
  Commercial real estate                            
     Owner-occupied   4,605     4,605     266     4,605     213
     Non-owner occupied   735     735     79     735     79
  Construction and development                            
     Land & land development   1,616     1,616     898     1,616     40
     Construction   -     -     -     -     -
  Residential real estate                            
     Non-jumbo   2,633     2,634     299     2,633     107
     Jumbo   893     893     53     893     44
     Home equity   -     -     -     -     -
Consumer   -     -     -     -     -
Total with a related allowance $ 10,482   $ 10,483   $ 1,595   $ 10,482   $ 483
                             
Total                            
   Commercial $ 32,614   $ 32,617   $ 1,243   $ 32,614   $ 1,157
   Residential real estate   14,925     14,939     352     14,925     724
   Consumer   38     37     -     38     3
Total $ 47,577   $ 47,593   $ 1,595   $ 47,577   $ 1,884

 

 
 

  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

 

 
 

  June 30, 2013
              Average   Interest Income
  Recorded   Unpaid   Related   Impaired   Recognized
Dollars in thousands Investment   Principal Balance   Allowance   Balance   while impaired
                   
Without a related allowance                  
  Commercial $ 6,942   $ 7,104   $ -   $ 8,133   $ 435
  Commercial real estate                            
     Owner-occupied   9,770     9,774     -     10,638     491
     Non-owner occupied   5,396     5,398     -     3,969     199
Construction and development                        
     Land & land development   16,904     16,904     -     16,853     725
     Construction   -     -     -     -     -
  Residential real estate                            
     Non-jumbo   3,250     3,258     -     3,035     120
     Jumbo   7,911     7,916     -     9,352     503
     Home equity   186     186     -     186     11
Consumer   37     38     -     37     2
Total without a related allowance $ 50,396   $ 50,578   $ -   $ 52,203   $ 2,486
                             
With a related allowance                            
  Commercial $ 874   $ 883   $ 387   $ 565   $ 4
  Commercial real estate                            
     Owner-occupied   4,957     4,957     741     3,967     186
     Non-owner occupied   1,415     1,416     165     1,421     28
Construction and development                        
     Land & land development   10,460     10,460     1,844     10,483     65
     Construction   -     -     -     -     -
  Residential real estate                            
     Non-jumbo   2,952     2,955     307     2,963     141
     Jumbo   9,907     9,908     1,044     10,277     45
     Home equity   28     27     27     28     -
Consumer   25     24     13     25     2
Total with a related allowance $ 30,618   $ 30,630   $ 4,528   $ 29,729   $ 471
                             
Total                            
   Commercial $ 56,718   $ 56,896   $ 3,137   $ 56,029   $ 2,133
   Residential real estate   24,234     24,250     1,378     25,841     820
   Consumer   62     62     13     62     4
Total $ 81,014   $ 81,208   $ 4,528   $ 81,932   $ 2,957

 

 
Schedule Of Restructured Trouble Debt Restructurings By Class

 

 

 

  For the Three Months Ended     For the Three Months Ended
  June 30, 2014     June 30, 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 3   $ 82   $ 86     1   $ 23   $ 23
  Commercial real estate                                
     Owner-occupied -     -     -     -     -     -
     Non-owner occupied -     -     -     -     -     -
Construction and development                              
     Land & land development -     -     -     -     -     -
     Construction -     -     -     -     -     -
  Residential real estate                                
     Non-jumbo -     -     -     2     241     241
     Jumbo -     -     -     -     -     -
     Home equity -     -     -     -     -     -
  Consumer -     -     -     -     -     -
Total 3   $ 82   $ 86     3   $ 264   $ 264

 

 

  For the Six Months Ended     For the Six Months Ended
  June 30, 2014     June 30, 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 3   $ 82   $ 86     1   $ 23   $ 23
  Commercial real estate                                
     Owner-occupied -     -     -     -     -     -
     Non-owner occupied -     -     -     -     -     -
Construction and development                              
     Land & land development -     -     -     1     49     50
     Construction -     -     -     -     -     -
  Residential real estate                                
     Non-jumbo -     -     -     2     241     241
     Jumbo -     -     -     -     -     -
     Home equity -     -     -     -     -     -
  Consumer -     -     -     -     -     -
Total 3   $ 82   $ 86     4   $ 313   $ 314

 
Schedule Of Defaults During Stated Period Of Trouble Debt Restructurings
  For the Three Months Ended   For the Six Months Ended
  June 30, 2014   June 30, 2014
  Number   Recorded   Number   Recorded
  of   Investment   of   Investment
dollars in thousands Defaults   at Default Date   Defaults   at Default Date
  Commercial 2   $ 78   2   $ 78
  Commercial real estate                  
     Owner-occupied -     -   -     -
     Non-owner occupied -     -   -     -
Construction and development                
     Land & land development 1     695   1     698
     Construction -     -   -     -
  Residential real estate                  
     Non-jumbo 2     335   2     334
     Jumbo -     -   -     -
     Home equity -     -   -     -
  Consumer -     -   -     -
Total 5   $ 1,108   5   $ 1,110
Schedule of the Activity Regarding TDRs by Loan Type

 

 

 

For the Three Months Ended June 30, 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 June 30, 2013 $ 6,069   $ -   $ 509   $ 9,644   $ 5,492   $ 5,513   $ 6,237   $ -   $ 40   $ -     $ 33,504
   Additions   -     -     86     -     -     -     -     -     -     -       86
   Charge-offs   -     -     -     -     -     -     -     -     -     -       -
   Net (paydowns) advances   (101 )   -     (97 )   (55 )   (27 )   (19 )   (36 )   -     (2 )   -       (337)
   Transfer into OREO   -     -     -     -     -     -     -     -     -     -       -
   Refinance out of TDR status   -     -     -     -     -     -     -     -     -     -       -
Balance June 30, 2014 $ 5,968   $ -   $ 498   $ 9,589   $ 5,465   $ 5,494   $ 6,201   $ -   $ 38   $ -     $ 33,253
                                                                   
Allowance related to                                                                  
   troubled debt restructurings $ 171   $ -   $ -   $ 188   $ 79   $ 298   $ 52   $ -   $ -   $ -     $ 788

 

 

 

For the Six Months Ended June 30, 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 $ 6,163   $ -   $ 1,243   $ 9,699   $ 5,544   $ 5,541   $ 6,278   $ -   $ 47   $ -     $ 34,515
   Additions   -     -     86     -     -     -     -     -     -     -       86
   Charge-offs   -     -     -     -     -     -     -     -     (3 )   -       (3)
   Net (paydowns) advances   (195 )   -     (831 )   (110 )   (79 )   (47 )   (77 )   -     (6 )   -       (1,345)
   Transfer into OREO   -     -     -     -     -     -     -     -     -     -       -
   Refinance out of TDR status   -     -     -     -     -     -     -     -     -     -       -
Balance June 30, 2014 $ 5,968   $ -   $ 498   $ 9,589   $ 5,465   $ 5,494   $ 6,201   $ -   $ 38   $ -     $ 33,253
                                                                   
Allowance related to                                                                  
   troubled debt restructurings $ 171   $ -   $ -   $ 188   $ 79   $ 298   $ 52   $ -   $ -   $ -     $ 788

 
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 6/30/2014   12/31/2013   6/30/2014   12/31/2013   6/30/2014   12/31/2013   6/30/2014   12/31/2013   6/30/2014   12/31/2013
Pass $ 45,624   $ 41,662   $ 20,432   $ 15,022   $ 88,446   $ 82,323   $ 150,578   $ 143,982   $ 303,213   $ 268,967
OLEM (Special Mention)   4,539     5,550     470     133     1,203     4,544     1,903     1,412     9,483     10,222
Substandard   14,083     24,131     -     -     447     1,485     1,779     4,224     1,743     1,601
Doubtful   -     110     -     -     -     -     -     -     -     -
Loss   -     -     -     -     -     -     -     -     -     -
     Total $ 64,246   $ 71,453   $ 20,902   $ 15,155   $ 90,096   $ 88,352   $ 154,260   $ 149,618   $ 314,439   $ 280,790
Schedule Of Recorded Investment Evaluated Based On Aging Status Of Loans And Payment Activity

  

  Performing     Nonperforming
Dollars in thousands 6/30/2014   12/31/2013   6/30/2013     6/30/2014   12/31/2013   6/30/2013
Residential real estate                        
   Non-jumbo $ 216,619   $ 210,500   $ 212,426     $ 2,950   $ 2,446   $ 4,333
   Jumbo   52,487     53,406     49,567       -     -     9,000
   Home Equity   60,909     54,844     53,503       339     -     271
Consumer   19,648     19,761     20,056       129     128     91
Other   6,798     3,276     3,397       -     -     -
Total $ 356,461   $ 341,787   $ 338,949     $ 3,418   $ 2,574   $ 13,695