7. Allowance For Loan Losses (Tables)

6 Months Ended

Jun. 30, 2014

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

Summary Of Analysis Of Allowance For Loan Losses

	Six Months Ended				Year Ended
	June 30,				December 31,
Dollars in thousands	2014		2013		2013
Balance, beginning of year	$	12,659	$	17,933	$	17,933
Losses:
Commercial		390		54		723
Commercial real estate
Owner occupied		11		66		1,031
Non-owner occupied		-		9		9
Construction and development
Land and land development		3,533		2,166		3,596
Construction		-		-		-
Residential real estate
Non-jumbo		46		384		541
Jumbo		63		3,625		4,741
Home equity		-		76		77
Consumer		80		34		79
Other		51		51		162
Total		4,174		6,465		10,959
Recoveries:
Commercial		17		4		12
Commercial real estate
Owner occupied		31		2		8
Non-owner occupied		4		-		674
Construction and development
Land and land development		165		9		187
Construction		-		-		-
Real estate - mortgage
Non-jumbo		53		43		127
Jumbo		163		3		6
Home equity		3		1		5
Consumer		41		37		79
Other		44		55		87
Total		521		154		1,185
Net losses		3,653		6,311		9,774
Provision for loan losses		2,000		2,500		4,500
Balance, end of year	$	11,006	$	14,122	$	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-
	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	$	5,455	$	269	$	1,324	$	969	$	641	$	1,842		$	1,888	$	173	$	47	$	51	$	12,659
Charge-offs		3,533		-		390		11		-		46			63		-		80		51		4,174
Recoveries		165		-		17		31		4		53			163		3		41		44		521
Provision		1,722		85		124		8		98		(318	)		93		83		38		67		2,000
Ending balance	$	3,809	$	354	$	1,075	$	997	$	743	$	1,531		$	2,081	$	259	$	46	$	111	$	11,006
Allowance related to:
Loans individually
evaluated for impairment	$	898	$	-	$	-	$	267	$	79	$	299		$	52	$	-	$	-	$	-	$	1,595
Loans collectively
evaluated for impairment		2,911		354		1,075		730		664		1,232			2,029		259		46		111		9,411
Loans acquired with
deteriorated credit quality		-		-		-		-		-		-			-		-		-		-		-
Total	$	3,809	$	354	$	1,075	$	997	$	743	$	1,531		$	2,081	$	259	$	46	$	111	$	11,006
Loans
Loans individually
evaluated for impairment	$	15,469	$	-	$	506	$	10,893	$	5,749	$	6,032		$	8,721	$	186	$	37	$	-	$	47,593
Loans collectively
evaluated for impairment		48,777		20,902		89,590		143,367		308,690		213,537			43,766		61,062		19,740		6,798	$	956,229
Loans acquired with
deteriorated credit quality		-		-		-		-		-		-			-		-		-		-		-
Total	$	64,246	$	20,902	$	90,096	$	154,260	$	314,439	$	219,569		$	52,487	$	61,248	$	19,777	$	6,798	$	1,003,822