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Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2012

Allowance for Loan Losses [Abstract]

Allowance for Loans Losses


		Three Months Ended September 30								Nine Months Ended September 30
		2012 (Unaudited)				2011 (Unaudited)				2012 (Unaudited)				2011 (Unaudited)
Balance at beginning of the period		$	18,374			$	18,586			$	18,882			$	19,064
Loans charged-off:
Commercial
Owner occupied real estate			92				65				95				189
Non owner occupied real estate			81				196				109				310
Residential development			—				—				—				—
Development & Spec Land Loans			—				—				—				—
Commercial and industrial			221				17				548				227

Total commercial			394				278				752				726
Real estate
Residential mortgage			247				86				451				837
Residential construction			—				—				—				—
Mortgage warehouse			—				—				—				—

Total real estate			247				86				451				837
Consumer
Direct Installment			90				78				261				480
Direct Installment Purchased			—				—				—				—
Indirect Installment			313				494				922				1,280
Home Equity			123				359				1,010				1,888

Total consumer			526				931				2,193				3,648

Total loans charged-off			1,167				1,295				3,396				5,211
Recoveries of loans previously charged-off:
Commercial
Owner occupied real estate			—				—				352				18
Non owner occupied real estate			—				—				7				—
Residential development			—				—				—				—
Development & Spec Land Loans			—				—				—				—
Commercial and industrial			61				9				114				14

Total commercial			61				9				473				32
Real estate
Residential mortgage			42				—				74				10
Residential construction			—				—				—				—
Mortgage warehouse			—				—				—				—

Total real estate			42				—				74				10
Consumer
Direct Installment			28				16				63				83
Direct Installment Purchased			—				—				—				—
Indirect Installment			173				179				563				568
Home Equity			16				51				100				120

Total consumer			217				246				726				771

Total loan recoveries			320				255				1,273				813

Net loans charged-off			847				1,040				2,123				4,398

Provision charged to operating expense
Commercial			625				1,341				320				1,290
Real estate			254				815				900				968
Consumer			162				(592	)			589				2,186

Total provision charged to operating expense			1,041				1,564				1,809				4,444

Balance at the end of the period		$	18,568			$	19,110			$	18,568			$	19,110

Allowance for loan losses and the recorded investment in loans by portfolio segment


September 30, 2012		Commercial				Real Estate				Mortgage Warehousing				Consumer				Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	2,403			$	—			$	—			$	—			$	2,403
Collectively evaluated for impairment			5,655				2,974				1,716				5,820				16,165

Total ending allowance balance		$	8,058			$	2,974			$	1,716			$	5,820			$	18,568

Loans:
Individually evaluated for impairment		$	12,865			$	—			$	—			$	—			$	12,865
Collectively evaluated for impairment			436,121				177,218				244,660				287,957				1,145,956

Total ending loans balance		$	448,986			$	177,218			$	244,660			$	287,957			$	1,158,821


December 31, 2011		Commercial				Real Estate				Mortgage Warehousing				Consumer				Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	2,136			$	—			$	—			$	—			$	2,136
Collectively evaluated for impairment			5,881				2,472				1,695				6,698				16,746

Total ending allowance balance		$	8,017			$	2,472			$	1,695			$	6,698			$	18,882

Loans:
Individually evaluated for impairment		$	7,960			$	—			$	—			$	—			$	7,960
Collectively evaluated for impairment			345,350				157,663				208,726				266,450				978,189

Total ending loans balance		$	353,310			$	157,663			$	208,726			$	266,450			$	986,149