Allowances for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2012

Allowance For Credit Losses On Financing Receivables Condensed [Table Text Block]

The following is an analysis of the changes in the allowance for loan losses for the years ended December 31, 2012, 2011 and 2010:

(dollars in thousands)	December 31, 2012	December 31, 2011	December 31, 2010
Balance at beginning of year	$ 12,050	$ 11,444	$ 12,841
Provision for loan losses	1,350	15,966	16,600
Recoveries of loans previously charged off	134	109	1,171
Loan charge-offs	(3,992)	(15,469)	(19,168)
Balance at end of year	$ 9,542	$ 12,050	$ 11,444

Activity In And Ending Balances Of The Allowance For Loan Losses By Loan Portfolio Class [Table Text Block]

(dollars in thousands)	Commercial Real Estate	Construction and Land Development	Commercial and Industrial	Owner Occupied Real Estate	Consumer and Other	Residential Mortgage	Unallocated	Total

Year ended December 31, 2012
Allowance for loan losses:

Beginning balance	$ 7,372	$ 558	$ 1,928	$ 1,963	$ 113	$ 23	$ 93	$ 12,050
Charge-offs	(1,582)	(1,004)	(1,304)	-	(102)	-	-	(3,992)
Recoveries	-	105	-	-	29	-	-	134
Provisions (credits)	(1,811)	1,614	1,256	4	194	(6)	99	1,350
Ending balance	$ 3,979	$ 1,273	$ 1,880	$ 1,967	$ 234	$ 17	$ 192	$ 9,542

Year ended December 31, 2011
Allowance for loan losses:

Beginning balance	$ 7,243	$ 837	$ 1,443	$ 1,575	$ 130	$ 41	$ 175	$ 11,444
Charge-offs	(8,783)	(3,719)	(1,088)	(1,838)	(41)	-	-	(15,469)
Recoveries	44	10	-	15	40	-	-	109
Provisions (credits)	8,868	3,430	1,573	2,211	(16)	(18)	(82)	15,966
Ending balance	$ 7,372	$ 558	$ 1,928	$ 1,963	$ 113	$ 23	$ 93	$ 12,050

The following tables provide a summary of the allowance for loan losses and balance of loans receivable by loan class and by impairment method as of December 31, 2012 and 2011:

(dollars in thousands)	Commercial Real Estate	Construction and Land Development	Commercial and Industrial	Owner Occupied Real Estate	Consumer and Other	Residential Mortgage	Unallocated	Total
December 31, 2012

Allowance for loan losses:
Individually evaluated for impairment	$ 1,077	$ 70	$ 861	$ 860	$ 75	$ -	$ -	$2,943
Collectively evaluated for impairment	2,902	1,203	1,019	1,107	159	17	192	6,599
Total allowance for loan losses	$ 3,979	$ 1,273	$ 1,880	$ 1,967	$ 234	$ 17	$ 192	$ 9,542

Loans receivable:
Loans evaluated individually	$ 25,316	$ 3,746	$ 6,940	$ 3,955	$ 1,058	$ -	$ -	$ 41,015
Loans evaluated collectively	310,245	22,913	96,828	122,287	22,391	2,442	-	577,106
Total loans receivable	$ 335,561	$ 26,659	$ 103,768	$ 126,242	$ 23,449	$ 2,442	$ -	$ 618,121


(dollars in thousands)	Commercial Real Estate	Construction and Land Development	Commercial and Industrial	Owner Occupied Real Estate	Consumer and Other	Residential Mortgage	Unallocated	Total
December 31, 2011

Allowance for loan losses:
Individually evaluated for impairment	$ 2,066	$ 98	$ 629	$ 311	$ -	$ -	$ -	$ 3,104
Collectively evaluated for impairment	5,306	460	1,299	1,652	113	23	93	8,946
Total allowance for loan losses	$ 7,372	$ 558	$ 1,928	$ 1,963	$ 113	$ 23	$ 93	$ 12,050

Loans receivable:
Loans evaluated individually	$ 20,076	$ 6,983	$ 8,320	$ 1,862	$ 958	$ -	$ -	$ 38,199
Loans evaluated collectively	324,301	28,078	79,348	100,915	15,725	3,150	-	551,517
Total loans receivable	$ 344,377	$ 35,061	$ 87,668	$ 102,777	$ 16,683	$ 3,150	$ -	$ 589,716

Past Due Financing Receivables [Table Text Block]

At December 31, 2011:
Commercial real estate	$ 8,662	$ 390	$ 1,880	$ 10,932	$ 333,445	$ 344,377	$ -
Construction and land development	-	-	4,022	4,022	31,039	35,061	-
Commercial and industrial	-	-	4,673	4,673	82,995	87,668	748
Owner occupied real estate	1,043	-	-	1,043	101,734	102,777	-
Consumer and other	1	-	737	738	15,945	16,683	-
Residential mortgage	-	-	-	-	3,150	3,150	-
Total	$ 9,706	$ 390	$ 11,312	$ 21,408	$ 568,308	$ 589,716	$ 748

Financing Receivable Credit Quality Indicators [Table Text Block]

The following table presents the classes of the loan portfolio summarized by the aggregate pass rating and the classified ratings of special mention, substandard and doubtful within our internal risk rating system as of December 31, 2012 and 2011:

(dollars in thousands)	Pass	Special Mention	Substandard	Doubtful	Total
December 31, 2012:
Commercial real estate	$ 300,174	$ 9,174	$ 26,213	$ -	$ 335,561
Construction and land development	22,652	261	3,746	-	26,659
Commercial and industrial	96,051	642	7,075	-	103,768
Owner occupied real estate	121,381	906	3,955	-	126,242
Consumer and other	22,033	100	1,316	-	23,449
Residential mortgage	2,442	-	-	-	2,442
Total	$ 564,733	$ 11,083	$ 42,305	$ -	$ 618,121

December 31, 2011:
Commercial real estate	$ 310,364	$ 8,573	$ 25,440	$ -	$ 344,377
Construction and land development	27,224	-	7,837	-	35,061
Commercial and industrial	77,888	248	9,532	-	87,668
Owner occupied real estate	99,031	-	3,746	-	102,777
Consumer and other	15,468	209	1,006	-	16,683
Residential mortgage	3,150	-	-	-	3,150
Total	$ 533,125	$ 9,030	$ 47,561	$ -	$ 589,716

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

The following table shows non-accrual loans by class as of December 31, 2012 and 2011:

(dollars in thousands)	December 31, 2012	December 31, 2011
Commercial real estate	$ 7,987	$ 1,880
Construction and land development	1,342	4,022
Commercial and industrial	4,693	3,925
Owner occupied real estate	968	-
Consumer and other	856	737
Residential mortgage	-	-
Total	$ 15,846	$ 10,564

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

The Company adopted the amendments in Accounting Standards Update No. 2011-02 during the quarter ended September 30, 2011. As required, the Company reassessed all restructurings that occurred on or after January 1, 2011 for identification as a potential troubled debt restructuring. Since the adoption of this accounting guidance, the Company has identified four loan relationships as troubled debt restructurings for which the allowance for credit loss had previously been measured under a general allowance for credit losses methodology (ASC 450-20). Upon identifying these loans as troubled debt restructurings, the Company also identified them as impaired under the guidance in Section 310-10-35.

The following table summarizes information in regards to troubled debt restructurings for the years ended December 31, 2012 and 2011:

(dollars in thousands)	Accrual Status	Non-Accrual Status	Total Modifications
December 31, 2012:
Commercial real estate	$ 1,261	$ -	$ 1,261
Construction and land development	2,069	-	2,069
Commercial and industrial	2,248	-	2,248
Owner occupied real estate	1,933	-	1,933
Consumer and other	-	-	-
Residential mortgage	-	-	-
Total	$ 7,511	$ -	$ 7,511

December 31, 2011:
Commercial real estate	$ 2,383	$ -	$ 2,383
Construction and land development	2,625	-	2,625
Commercial and industrial	-	-	-
Owner occupied real estate	-	-	-
Consumer and other	-	-	-
Residential mortgage	-	-	-
Total	$ 5,008	$ -	$ 5,008