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Non Performing Loans And Impaired Loans (Tables)

3 Months Ended

Mar. 31, 2013

Non-performing Loans and Impaired Loans [Abstract]

Nonaccrual, loans past due over 90 days still on accrual, and troubled debt restructured ("TDRs") by class of loans:

						Loans Past
						Due Over 90												Total Non-
						Days Still				Non Performing				Performing				Performing
March 31, 2013		Nonaccrual				Accruing				TDR’s				TDR’s				Loans
Commercial
Owner occupied real estate		$	1,299			$	—			$	1,190			$	823			$	3,312
Non owner occupied real estate			2,219				—				1,674				447				4,340
Residential development			—				—				—				—				—
Development & Spec Land Loans			699				—				—				—				699
Commercial and industrial			912				—				792				—				1,704
Total commercial			5,129				—				3,656				1,270				10,055
Real estate
Residential mortgage			4,057				2				2,691				1,907				8,657
Residential construction			—				—				290				—				290
Mortgage warehouse			—				—				—				—				—
Total real estate			4,057				2				2,981				1,907				8,947
Consumer
Direct Installment			273				—				—				—				273
Direct Installment Purchased			—				—				—				—				—
Indirect Installment			930				—				—				—				930
Home Equity			1,904				—				147				1,460				3,511
Total Consumer			3,107				—				147				1,460				4,714
Total		$	12,293			$	2			$	6,784			$	4,637			$	23,716
						Loans Past
						Due Over 90												Total Non-
						Days Still				Non Performing				Performing				Performing
December 31, 2012		Nonaccrual				Accruing				TDR’s				TDR’s				Loans
Commercial
Owner occupied real estate		$	2,800			$	—			$	1,272			$	819			$	4,891
Non owner occupied real estate			1,705				—				1,605				446				3,756
Residential development			—				—				—				—				—
Development & Spec Land Loans			705				—				—				—				705
Commercial and industrial			544				—				797				—				1,341
Total commercial			5,754				—				3,674				1,265				10,693
Real estate
Residential mortgage			4,565				2				2,536				1,761				8,864
Residential construction			—				—				291				—				291
Mortgage warehouse			—				—				—				—				—
Total real estate			4,565				2				2,827				1,761				9,155
Consumer
Direct Installment			138				26				—				—				164
Direct Installment Purchased			—				—				—				—				—
Indirect Installment			866				26				—				—				892
Home Equity			2,051				—				148				676				2,875
Total Consumer			3,055				52				148				676				3,931
Total		$	13,374			$	54			$	6,649			$	3,702			$	23,779

Loans transferred and classified as troubled debt restructuring

		March 31, 2013								March 31, 2012
		Number of Defaults				Unpaid Principal Balance				Number of Defaults				Unpaid Principal Balance
Commercial
Owner occupied real estate			2			$	76				—			$	—
Non owner occupied real estate			1				70				—				—
Residential development			—				—				—				—
Development & Spec Land Loans			—				—				—				—
Commercial and industrial			—				—				—				—
Total commercial			3				146				—				—
Real estate
Residential mortgage			3				390				1				121
Residential construction			—				—				—				—
Mortgage warehouse			—				—				—				—
Total real estate			3				390				1				121
Consumer
Direct Installment			—				—				—				—
Direct Installment Purchased			—				—				—				—
Indirect Installment			—				—				—				—
Home Equity			2				791				1				53
Total Consumer			2				791				1				53
Total			8			$	1,327				2			$	174

Troubled debt restructured loans which had payment defaults during the three months ended March 31, 2013 and 2012, segregated by class, are shown in the table below. Default occurs when a loan is 90 days or more past due or has been transferred to nonaccrual.

		March 31, 2013								March 31, 2012
		Number of Defaults				Unpaid Principal Balance				Number of Defaults				Unpaid Principal Balance
Commercial
Owner occupied real estate			2			$	76				—			$	—
Non owner occupied real estate			1				70				—				—
Residential development			—				—				—				—
Development & Spec Land Loans			—				—				—				—
Commercial and industrial			—				—				—				—
Total commercial			3				146				—				—
Real estate
Residential mortgage			1				234				2				232
Residential construction			—				—				—				—
Mortgage warehouse			—				—				—				—
Total real estate			1				234				2				232
Consumer
Direct Installment			—				—				—				—
Direct Installment Purchased			—				—				—				—
Indirect Installment			—				—				—				—
Home Equity			—				—				1				53
Total Consumer			—				—				1				53
Total			4			$	380				3			$	285

Commercial loans individually evaluated for impairment by class of loans

														Three Months Ending
														Average				Cash/Accrual
		Unpaid								Allowance For				Balance in				Interest
		Principal				Recorded				Loan Loss				Impaired				Income
March 31, 2013		Balance				Investment				Allocated				Loans				Recognized
With no recorded allowance
Commercial
Owner occupied real estate		$	3,310			$	3,317			$	—			$	4,906				14
Non owner occupied real estate			2,578				2,579				—				3,793				11
Residential development			—				—				—				—				—
Development & Spec Land Loans			135				135				—				166				—
Commercial and industrial			912				928				—				1,877				—
Total commercial			6,935				6,959				—				10,742				25
With an allowance recorded
Commercial
Owner occupied real estate			—				—				—				—				—
Non owner occupied real estate			1,763				1,763				1,080				1,774				—
Residential development			—				—				—				—				—
Development & Spec Land Loans			564				564				600				569				—
Commercial and industrial			792				792				265				794				—
Total commercial			3,119				3,119				1,945				3,137				—
Total		$	10,054			$	10,078			$	1,945			$	13,879			$	25
														Three Months Ending
														Average				Cash/Accrual
		Unpaid								Allowance For				Balance in				Interest
		Principal				Recorded				Loan Loss				Impaired				Income
March 31, 2012		Balance				Investment				Allocated				Loans				Recognized
With no recorded allowance
Commercial
Owner occupied real estate		$	723			$	723			$	—			$	503			$	3
Non owner occupied real estate			972				974				—				973				—
Residential development			—				—				—				—				—
Development & Spec Land Loans			90				90				—				90				—
Commercial and industrial			338				338				—				240				1
Total commercial			2,123				2,125				—				1,806				4
With an allowance recorded
Commercial
Owner occupied real estate			1,636				1,636				595				1,783				1
Non owner occupied real estate			3,213				3,213				1,105				3,186				2
Residential development			—				—				—				—				—
Development & Spec Land Loans			715				715				470				237				6
Commercial and industrial			1,348				1,348				663				1,130				4
Total commercial			6,912				6,912				2,833				6,336				13
Total		$	9,035			$	9,037			$	2,833			$	8,142			$	17

Payment status by class of loan

		30 -59 Days				60 -89 Days				Greater than 90								Loans Not Past
March 31, 2013		Past Due				Past Due				Days Past Due				Total Past Due				Due				Total
Commercial
Owner occupied real estate		$	568			$	17			$	—			$	585			$	156,491			$	157,076
Non owner occupied real estate			636				183				—				819				216,401				217,220
Residential development			—				—				—				—				248				248
Development & Spec Land Loans			—				39				—				39				10,936				10,975
Commercial and industrial			203				99				—				302				86,427				86,729
Total commercial			1,407				338				—				1,745				470,503				472,248
Real estate
Residential mortgage			44				84				2				130				184,459				184,589
Residential construction			—				—				—				—				6,252				6,252
Mortgage warehouse			—				—				—				—				143,609				143,609
Total real estate			44				84				2				130				334,320				334,450
Consumer
Direct Installment			80				200				—				280				27,116				27,396
Direct Installment Purchased			—				—				—				—				382				382
Indirect Installment			949				96				—				1,045				130,248				131,293
Home Equity			1,428				1,091				—				2,519				119,657				122,176
Total consumer			2,457				1,387				—				3,844				277,403				281,247
Total		$	3,908			$	1,809			$	2			$	5,719			$	1,082,226			$	1,087,945
Percentage of total loans			0.36	%			0.17	%			0.00	%			0.53	%			99.47	%
		30 -59 Days				60 -89 Days				Greater than 90								Loans Not Past
December 31, 2012		Past Due				Past Due				Days Past Due				Total Past Due				Due				Total
Commercial
Owner occupied real estate		$	2,207			$	19			$	—			$	2,226			$	160,468 $				162,694
Non owner occupied real estate			669				147				—				816				200,947				201,763
Residential development			—				—				—				—				1,056				1,056
Development & Spec Land Loans			—				—				—				—				6,963				6,963
Commercial and industrial			538				16				—				554				86,528				87,082
Total commercial			3,414				182				—				3,596				455,962				459,558
Real estate
Residential mortgage			167				—				2				169				181,281				181,450
Residential construction			—				—				—				—				7,681				7,681
Mortgage warehouse			—				—				—				—				251,448				251,448
Total real estate			167				—				2				169				440,410				440,579
Consumer
Direct Installment			240				64				26				330				27,501				27,831
Direct Installment Purchased			—				—				—				—				429				429
Indirect Installment			1,105				177				26				1,308				132,173				133,481
Home Equity			1,072				321				—				1,393				125,195				126,588
Total consumer			2,417				562				52				3,031				285,298				288,329
Total		$	5,998			$	744			$	54			$	6,796			$	1,181,670			$	1,188,466
Percentage of total loans			0.50	%			0.06	%			0.00	%			0.57	%			99.43	%

Loans by credit grades

March 31, 2013		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	139,631			$	4,062			$	13,383			$	—			$	157,076
Non owner occupied real estate			189,876				10,806				16,538				—				217,220
Residential development			248				—				—				—				248
Development & Spec Land Loans			7,108				99				3,768				—				10,975
Commercial and industrial			78,882				1,993				5,854				—				86,729
Total commercial			415,745				16,960				39,543				—				472,248
Real estate
Residential mortgage			175,933				—				8,656				—				184,589
Residential construction			5,962				—				290				—				6,252
Mortgage warehouse			143,609				—				—				—				143,609
Total real estate			325,504				—				8,946				—				334,450
Consumer
Direct Installment			27,123				—				273				—				27,396
Direct Installment Purchased			382				—				—				—				382
Indirect Installment			130,363				—				930				—				131,293
Home Equity			118,665				—				3,511				—				122,176
Total Consumer			276,533				—				4,714				—				281,247
Total		$	1,017,782			$	16,960			$	53,203			$	—			$	1,087,945
Percentage of total loans			93.55	%			1.56	%			4.89	%			0.00	%
December 31, 2012		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	137,664			$	6,407			$	17,029			$	1,594			$	162,694
Non owner occupied real estate			171,319				19,440				10,717				287				201,763
Residential development			405				—				651				—				1,056
Development & Spec Land Loans			3,171				178				3,614				—				6,963
Commercial and industrial			78,810				3,136				5,136				—				87,082
Total commercial			391,369				29,161				37,147				1,881				459,558
Real estate
Residential mortgage			172,586				—				8,864				—				181,450
Residential construction			7,390				—				291				—				7,681
Mortgage warehouse			251,448				—				—				—				251,448
Total real estate			431,424				—				9,155				—				440,579
Consumer
Direct Installment			27,667				—				164				—				27,831
Direct Installment Purchased			429				—				—				—				429
Indirect Installment			132,589				—				892				—				133,481
Home Equity			123,713				—				2,875				—				126,588
Total Consumer			284,398				—				3,931				—				288,329
Total		$	1,107,191			$	29,161			$	50,233			$	1,881			$	1,188,466
Percentage of total loans			93.16	%			2.45	%			4.23	%			0.16	%

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

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Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

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Tabular disclosure of troubled debt restructurings in the periods following the restructuring, including: (1) a description of the portion of the recorded [restructured] debt which is contingently payable based on the occurrence of future events or circumstances; (2) the dollar amount of the portion of the recorded [restructured] debt which is contingently payable based on the occurrence of future events or circumstances; and (3) a description of the circumstance, events, or conditions that would cause payments to occur or the creditor to forgive the contingent portion of recorded debt.

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Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.

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