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Loans and Allowance for Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2012
Loans and Allowance for Loan Losses [Abstract] |
Components of loan portfolio disaggregated by class of loan and percentage change in total loans |
|  |  |  |  |  |  |  |  |  |  |  |  |  | Percent |
|  | September 30, 2012 |  |  | December 31, 2011 |  |  | Increase |
|  | Balance |  |  | % |  |  | Balance |  |  | % |  |  | (Decrease) |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 271,814,000 |  |  |  | 26.3 | % |  | $ | 260,613,000 |  |  |  | 24.3 | % |  |  | 4.3 | %
Vacant land, land development, and residential construction |  |  | 56,622,000 |  |  |  | 5.5 |  |  |  | 61,959,000 |  |  |  | 5.8 |  |  |  | (8.6 | )
Real estate – owner occupied |  |  | 276,185,000 |  |  |  | 26.6 |  |  |  | 271,869,000 |  |  |  | 25.3 |  |  |  | 1.6 |
Real estate – non-owner occupied |  |  | 299,356,000 |  |  |  | 28.9 |  |  |  | 334,165,000 |  |  |  | 31.2 |  |  |  | (10.4 | )
Real estate – multi-family and residential rental |  |  | 53,434,000 |  |  |  | 5.2 |  |  |  | 68,299,000 |  |  |  | 6.4 |  |  |  | (21.8 | )
Total commercial |  |  | 957,411,000 |  |  |  | 92.5 |  |  |  | 996,905,000 |  |  |  | 93.0 |  |  |  | (4.0 | )
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 39,423,000 |  |  |  | 3.8 |  |  |  | 42,336,000 |  |  |  | 3.9 |  |  |  | (6.9 | )
1-4 family mortgages |  |  | 38,454,000 |  |  |  | 3.7 |  |  |  | 33,181,000 |  |  |  | 3.1 |  |  |  | 15.9 |
Total retail |  |  | 77,877,000 |  |  |  | 7.5 |  |  |  | 75,517,000 |  |  |  | 7.0 |  |  |  | 3.1 |
Total loans |  | $ | 1,035,288,000 |  |  |  | 100.0 | % |  | $ | 1,072,422,000 |  |  |  | 100.0 | % |  |  | (3.5 | )%
Nonperforming loans |
|  | September 30, 2012 |  |  | December 31, 2011 |
Loans past due 90 days or more still accruing interest |  | $ | 0 |  |  | $ | 0 |
Nonaccrual loans |  |  | 24,782,000 |  |  |  | 45,074,000 |
Total nonperforming loans |  | $ | 24,782,000 |  |  | $ | 45,074,000 |
Recorded principal balance of nonaccrual loans, including troubled debt restructurings |
|  | September 30, 2012 |  |  | December 31, 2011 |
Commercial: |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 3,870,000 |  |  | $ | 5,916,000 |
Vacant land, land development, and residential construction |  |  | 2,850,000 |  |  |  | 3,448,000 |
Real estate – owner occupied |  |  | 3,074,000 |  |  |  | 6,635,000 |
Real estate – non-owner occupied |  |  | 11,157,000 |  |  |  | 24,169,000 |
Real estate – multi-family and residential rental |  |  | 1,754,000 |  |  |  | 2,532,000 |
Total commercial |  |  | 22,705,000 |  |  |  | 42,700,000 |
Retail: |  |  |  |  |  |  |  |
Home equity and other |  |  | 733,000 |  |  |  | 1,013,000 |
1-4 family mortgages |  |  | 1,344,000 |  |  |  | 1,361,000 |
Total retail |  |  | 2,077,000 |  |  |  | 2,374,000 |
Total nonaccrual loans |  | $ | 24,782,000 |  |  | $ | 45,074,000 |
Age analysis of past due loans |
|  | 30 – 59 Days Past Due |  |  | 60 – 89 Days Past Due |  |  | Greater Than 89 Days Past Due |  |  | Total Past Due |  |  | Current |  |  | Total Loans |  |  | Recorded Balance > 89 Days and Accruing |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 90,000 |  |  | $ | 0 |  |  | $ | 1,659,000 |  |  | $ | 1,749,000 |  |  | $ | 270,065,000 |  |  | $ | 271,814,000 |  |  | $ | 0 |
Vacant land, land development, and residential construction |  |  | 0 |  |  |  | 0 |  |  |  | 1,177,000 |  |  |  | 1,177,000 |  |  |  | 55,445,000 |  |  |  | 56,622,000 |  |  |  | 0 |
Real estate – owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 1,633,000 |  |  |  | 1,633,000 |  |  |  | 274,552,000 |  |  |  | 276,185,000 |  |  |  | 0 |
Real estate – non-owner occupied |  |  | 0 |  |  |  | 234,000 |  |  |  | 3,811,000 |  |  |  | 4,045,000 |  |  |  | 295,311,000 |  |  |  | 299,356,000 |  |  |  | 0 |
Real estate – multi-family and residential rental |  |  | 0 |  |  |  | 170,000 |  |  |  | 588,000 |  |  |  | 758,000 |  |  |  | 52,676,000 |  |  |  | 53,434,000 |  |  |  | 0 |
Total commercial |  |  | 90,000 |  |  |  | 404,000 |  |  |  | 8,868,000 |  |  |  | 9,362,000 |  |  |  | 948,049,000 |  |  |  | 957,411,000 |  |  |  | 0 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 31,000 |  |  |  | 13,000 |  |  |  | 0 |  |  |  | 44,000 |  |  |  | 39,379,000 |  |  |  | 39,423,000 |  |  |  | 0 |
1-4 family mortgages |  |  | 48,000 |  |  |  | 80,000 |  |  |  | 642,000 |  |  |  | 770,000 |  |  |  | 37,684,000 |  |  |  | 38,454,000 |  |  |  | 0 |
Total retail |  |  | 79,000 |  |  |  | 93,000 |  |  |  | 642,000 |  |  |  | 814,000 |  |  |  | 77,063,000 |  |  |  | 77,877,000 |  |  |  | 0 |
Total past due loans |  | $ | 169,000 |  |  | $ | 497,000 |  |  | $ | 9,510,000 |  |  | $ | 10,176,000 |  |  | $ | 1,025,112,000 |  |  | $ | 1,035,288,000 |  |  | $ | 0 |
|  |  |  |  |  |  |  | Greater |  |  |  |  |  |  |  |  |  |  |  | Recorded |
|  | 30 – 59 |  |  | 60 – 89 |  |  | Than 89 |  |  |  |  |  |  |  |  |  |  |  | Balance > 89 |
|  | Days |  |  | Days |  |  | Days |  |  | Total |  |  |  |  |  | Total |  |  | Days and |
|  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Current |  |  | Loans |  |  | Accruing |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 0 |  |  | $ | 2,037,000 |  |  | $ | 2,284,000 |  |  | $ | 4,321,000 |  |  | $ | 256,292,000 |  |  | $ | 260,613,000 |  |  | $ | 0 |
Vacant land, land development, and residential construction |  |  | 0 |  |  |  | 145,000 |  |  |  | 2,448,000 |  |  |  | 2,593,000 |  |  |  | 59,366,000 |  |  |  | 61,959,000 |  |  |  | 0 |
Real estate – owner occupied |  |  | 85,000 |  |  |  | 786,000 |  |  |  | 2,836,000 |  |  |  | 3,707,000 |  |  |  | 268,162,000 |  |  |  | 271,869,000 |  |  |  | 0 |
Real estate – non-owner occupied |  |  | 456,000 |  |  |  | 728,000 |  |  |  | 9,837,000 |  |  |  | 11,021,000 |  |  |  | 323,144,000 |  |  |  | 334,165,000 |  |  |  | 0 |
Real estate – multi-family and residential rental |  |  | 42,000 |  |  |  | 443,000 |  |  |  | 957,000 |  |  |  | 1,442,000 |  |  |  | 66,857,000 |  |  |  | 68,299,000 |  |  |  | 0 |
Total commercial |  |  | 583,000 |  |  |  | 4,139,000 |  |  |  | 18,362,000 |  |  |  | 23,084,000 |  |  |  | 973,821,000 |  |  |  | 996,905,000 |  |  |  | 0 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 46,000 |  |  |  | 0 |  |  |  | 242,000 |  |  |  | 288,000 |  |  |  | 42,048,000 |  |  |  | 42,336,000 |  |  |  | 0 |
1-4 family mortgages |  |  | 274,000 |  |  |  | 133,000 |  |  |  | 445,000 |  |  |  | 852,000 |  |  |  | 32,329,000 |  |  |  | 33,181,000 |  |  |  | 0 |
Total retail |  |  | 320,000 |  |  |  | 133,000 |  |  |  | 687,000 |  |  |  | 1,140,000 |  |  |  | 74,377,000 |  |  |  | 75,517,000 |  |  |  | 0 |
Total past due loans |  | $ | 903,000 |  |  | $ | 4,272,000 |  |  | $ | 19,049,000 |  |  | $ | 24,224,000 |  |  | $ | 1,048,198,000 |  |  | $ | 1,072,422,000 |  |  | $ | 0 |
Impaired loans |
|  |  |  |  |  |  |  |  |  | Third Quarter |  |  | Year-To-Date |
|  | Unpaid |  |  |  |  |  |  |  | Average |  |  | Average |
|  | Contractual |  |  | Recorded |  |  |  |  | Recorded |  |  | Recorded |
|  | Principal |  |  | Principal |  |  | Related |  | Principal |  |  | Principal |
|  | Balance |  |  | Balance |  |  | Allowance |  | Balance |  |  | Balance |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 4,210,000 |  |  | $ | 3,289,000 |  |  |  |  | $ | 3,209,000 |  |  | $ | 3,521,000 |
Vacant land, land development and residential construction |  |  | 2,279,000 |  |  |  | 1,166,000 |  |  |  |  |  | 1,480,000 |  |  |  | 1,959,000 |
Real estate – owner occupied |  |  | 4,578,000 |  |  |  | 3,246,000 |  |  |  |  |  | 3,391,000 |  |  |  | 3,535,000 |
Real estate – non-owner occupied |  |  | 7,493,000 |  |  |  | 4,979,000 |  |  |  |  |  | 5,832,000 |  |  |  | 6,850,000 |
Real estate – multi-family and residential rental |  |  | 2,172,000 |  |  |  | 985,000 |  |  |  |  |  | 918,000 |  |  |  | 841,000 |
Total commercial |  |  | 20,732,000 |  |  |  | 13,665,000 |  |  |  |  |  | 14,830,000 |  |  |  | 16,706,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 580,000 |  |  |  | 487,000 |  |  |  |  |  | 482,000 |  |  |  | 603,000 |
1-4 family mortgages |  |  | 1,440,000 |  |  |  | 779,000 |  |  |  |  |  | 715,000 |  |  |  | 715,000 |
Total retail |  |  | 2,020,000 |  |  |  | 1,266,000 |  |  |  |  |  | 1,197,000 |  |  |  | 1,318,000 |
Total with no related allowance recorded |  | $ | 22,752,000 |  |  | $ | 14,931,000 |  |  |  |  | $ | 16,027,000 |  |  | $ | 18,024,000 |
|  |  |  |  |  |  |  |  |  |  | Third Quarter |  |  | Year-To-Date |
|  | Unpaid |  |  |  |  |  |  |  |  | Average |  |  | Average |
|  | Contractual |  |  | Recorded |  |  |  |  |  | Recorded |  |  | Recorded |
|  | Principal |  |  | Principal |  |  | Related |  |  | Principal |  |  | Principal |
|  | Balance |  |  | Balance |  |  | Allowance |  |  | Balance |  |  | Balance |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 3,278,000 |  |  | $ | 2,785,000 |  |  | $ | 1,358,000 |  |  | $ | 3,528,000 |  |  | $ | 3,406,000 |
Vacant land, land development and residential construction |  |  | 3,305,000 |  |  |  | 3,117,000 |  |  |  | 1,465,000 |  |  |  | 2,981,000 |  |  |  | 3,529,000 |
Real estate – owner occupied |  |  | 3,233,000 |  |  |  | 2,813,000 |  |  |  | 1,326,000 |  |  |  | 4,120,000 |  |  |  | 5,235,000 |
Real estate – non-owner occupied |  |  | 40,590,000 |  |  |  | 34,521,000 |  |  |  | 10,061,000 |  |  |  | 25,220,000 |  |  |  | 23,085,000 |
Real estate – multi-family and residential rental |  |  | 4,693,000 |  |  |  | 4,477,000 |  |  |  | 1,287,000 |  |  |  | 4,748,000 |  |  |  | 8,306,000 |
Total commercial |  |  | 55,099,000 |  |  |  | 47,713,000 |  |  |  | 15,497,000 |  |  |  | 40,597,000 |  |  |  | 43,561,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 235,000 |  |  |  | 206,000 |  |  |  | 206,000 |  |  |  | 291,000 |  |  |  | 259,000 |
1-4 family mortgages |  |  | 484,000 |  |  |  | 364,000 |  |  |  | 99,000 |  |  |  | 503,000 |  |  |  | 484,000 |
Total retail |  |  | 719,000 |  |  |  | 570,000 |  |  |  | 305,000 |  |  |  | 794,000 |  |  |  | 743,000 |
Total with an allowance recorded |  | $ | 55,818,000 |  |  | $ | 48,283,000 |  |  | $ | 15,802,000 |  |  | $ | 41,391,000 |  |  | $ | 44,304,000 |
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 75,831,000 |  |  | $ | 61,378,000 |  |  | $ | 15,497,000 |  |  | $ | 55,427,000 |  |  | $ | 60,267,000 |
Retail |  |  | 2,739,000 |  |  |  | 1,836,000 |  |  |  | 305,000 |  |  |  | 1,991,000 |  |  |  | 2,061,000 |
Total impaired loans |  | $ | 78,570,000 |  |  | $ | 63,214,000 |  |  | $ | 15,802,000 |  |  | $ | 57,418,000 |  |  | $ | 62,328,000 |
|  |  |  |  |  |  |  |  |  | Third Quarter |  |  | Year-To-Date |
|  | Unpaid |  |  |  |  |  |  |  | Average |  |  | Average |
|  | Contractual |  |  | Recorded |  |  |  |  | Recorded |  |  | Recorded |
|  | Principal |  |  | Principal |  |  | Related |  | Principal |  |  | Principal |
|  | Balance |  |  | Balance |  |  | Allowance |  | Balance |  |  | Balance |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 4,670,000 |  |  | $ | 4,254,000 |  |  |  |  | $ | 1,353,000 |  |  | $ | 1,704,000 |
Vacant land, land development and residential construction |  |  | 5,308,000 |  |  |  | 2,755,000 |  |  |  |  |  | 2,278,000 |  |  |  | 6,387,000 |
Real estate – owner occupied |  |  | 5,525,000 |  |  |  | 3,572,000 |  |  |  |  |  | 4,071,000 |  |  |  | 4,233,000 |
Real estate – non-owner occupied |  |  | 14,017,000 |  |  |  | 8,131,000 |  |  |  |  |  | 9,286,000 |  |  |  | 12,306,000 |
Real estate – multi-family and residential rental |  |  | 1,309,000 |  |  |  | 671,000 |  |  |  |  |  | 1,579,000 |  |  |  | 979,000 |
Total commercial |  |  | 30,829,000 |  |  |  | 19,383,000 |  |  |  |  |  | 18,567,000 |  |  |  | 25,609,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 1,000,000 |  |  |  | 727,000 |  |  |  |  |  | 856,000 |  |  |  | 503,000 |
1-4 family mortgages |  |  | 1,300,000 |  |  |  | 729,000 |  |  |  |  |  | 363,000 |  |  |  | 228,000 |
Total retail |  |  | 2,300,000 |  |  |  | 1,456,000 |  |  |  |  |  | 1,219,000 |  |  |  | 731,000 |
Total with no related allowance recorded |  | $ | 33,129,000 |  |  | $ | 20,839,000 |  |  |  |  | $ | 19,786,000 |  |  | $ | 26,340,000 |
|  |  |  |  |  |  |  |  |  |  | Third Quarter |  |  | Year-To-Date |
|  | Unpaid |  |  |  |  |  |  |  |  | Average |  |  | Average |
|  | Contractual |  |  | Recorded |  |  |  |  |  | Recorded |  |  | Recorded |
|  | Principal |  |  | Principal |  |  | Related |  |  | Principal |  |  | Principal |
|  | Balance |  |  | Balance |  |  | Allowance |  |  | Balance |  |  | Balance |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 3,500,000 |  |  | $ | 3,023,000 |  |  | $ | 1,172,000 |  |  | $ | 4,886,000 |  |  | $ | 6,422,000 |
Vacant land, land development and residential construction |  |  | 5,551,000 |  |  |  | 4,267,000 |  |  |  | 1,799,000 |  |  |  | 2,064,000 |  |  |  | 3,814,000 |
Real estate – owner occupied |  |  | 8,544,000 |  |  |  | 7,039,000 |  |  |  | 2,180,000 |  |  |  | 4,205,000 |  |  |  | 5,821,000 |
Real estate – non-owner occupied |  |  | 32,331,000 |  |  |  | 22,009,000 |  |  |  | 7,319,000 |  |  |  | 11,291,000 |  |  |  | 10,650,000 |
Real estate – multi-family and residential rental |  |  | 13,913,000 |  |  |  | 13,172,000 |  |  |  | 6,175,000 |  |  |  | 2,428,000 |  |  |  | 2,887,000 |
Total commercial |  |  | 63,839,000 |  |  |  | 49,510,000 |  |  |  | 18,645,000 |  |  |  | 24,874,000 |  |  |  | 29,594,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 286,000 |  |  |  | 229,000 |  |  |  | 215,000 |  |  |  | 753,000 |  |  |  | 1,314,000 |
1-4 family mortgages |  |  | 517,000 |  |  |  | 400,000 |  |  |  | 136,000 |  |  |  | 778,000 |  |  |  | 932,000 |
Total retail |  |  | 803,000 |  |  |  | 629,000 |  |  |  | 351,000 |  |  |  | 1,531,000 |  |  |  | 2,246,000 |
Total with an allowance recorded |  | $ | 64,642,000 |  |  | $ | 50,139,000 |  |  | $ | 18,996,000 |  |  | $ | 26,405,000 |  |  | $ | 31,840,000 |
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 94,668,000 |  |  | $ | 68,893,000 |  |  | $ | 18,645,000 |  |  | $ | 43,441,000 |  |  | $ | 55,203,000 |
Retail |  |  | 3,103,000 |  |  |  | 2,085,000 |  |  |  | 351,000 |  |  |  | 2,750,000 |  |  |  | 2,977,000 |
Total impaired loans |  | $ | 97,771,000 |  |  | $ | 70,978,000 |  |  | $ | 18,996,000 |  |  | $ | 46,191,000 |  |  | $ | 58,180,000 |
Loans by credit quality indicators |
|  |  |  |  | Commercial |  |  |  |  |  |  |  |  | Commercial |
|  |  |  |  | Vacant Land, |  |  | Commercial |  |  | Commercial |  |  | Real Estate - |
|  | Commercial |  |  | Land Development, |  |  | Real Estate - |  |  | Real Estate - |  |  | Multi-Family |
|  | and |  |  | and Residential |  |  | Owner |  |  | Non-Owner |  |  | and Residential |
|  | Industrial |  |  | Construction |  |  | Occupied |  |  | Occupied |  |  | Rental |
Internal credit risk grade groupings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grades 1 – 4 |  | $ | 168,413,000 |  |  | $ | 10,720,000 |  |  | $ | 164,089,000 |  |  | $ | 126,240,000 |  |  | $ | 23,430,000 |
Grades 5 – 7 |  |  | 98,160,000 |  |  |  | 41,356,000 |  |  |  | 105,684,000 |  |  |  | 126,341,000 |  |  |  | 26,740,000 |
Grades 8 – 9 |  |  | 5,241,000 |  |  |  | 4,546,000 |  |  |  | 6,412,000 |  |  |  | 46,775,000 |  |  |  | 3,264,000 |
Total commercial |  | $ | 271,814,000 |  |  | $ | 56,622,000 |  |  | $ | 276,185,000 |  |  | $ | 299,356,000 |  |  | $ | 53,434,000 |
|  | Retail |  |  | Retail |
|  | Home Equity |  |  | 1-4 Family |
|  | and Other |  |  | Mortgages |
Total retail |  | $ | 39,423,000 |  |  | $ | 38,454,000 |
|  |  |  |  | Commercial |  |  |  |  |  |  |  |  | Commercial |
|  |  |  |  | Vacant Land, |  |  | Commercial |  |  | Commercial |  |  | Real Estate - |
|  | Commercial |  |  | Land Development, |  |  | Real Estate - |  |  | Real Estate - |  |  | Multi-Family |
|  | and |  |  | and Residential |  |  | Owner |  |  | Non-Owner |  |  | and Residential |
|  | Industrial |  |  | Construction |  |  | Occupied |  |  | Occupied |  |  | Rental |
Internal credit risk grade groupings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grades 1 – 4 |  | $ | 163,296,000 |  |  | $ | 9,539,000 |  |  | $ | 149,010,000 |  |  | $ | 123,048,000 |  |  | $ | 27,245,000 |
Grades 5 – 7 |  |  | 89,463,000 |  |  |  | 44,946,000 |  |  |  | 111,921,000 |  |  |  | 164,049,000 |  |  |  | 26,278,000 |
Grades 8 – 9 |  |  | 7,854,000 |  |  |  | 7,474,000 |  |  |  | 10,938,000 |  |  |  | 47,068,000 |  |  |  | 14,776,000 |
Total commercial |  | $ | 260,613,000 |  |  | $ | 61,959,000 |  |  | $ | 271,869,000 |  |  | $ | 334,165,000 |  |  | $ | 68,299,000 |
|  | Retail |  |  | Retail |
|  | Home Equity |  |  | 1-4 Family |
|  | and Other |  |  | Mortgages |
Total retail |  | $ | 42,336,000 |  |  | $ | 33,181,000 |
Activity in allowance for loan losses and the recorded investments in loans |
|  | Commercial |  |  | Retail |  |  |  |  |  |  |
|  | Loans |  |  | Loans |  |  | Unallocated |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at June 30, 2012 |  | $ | 26,471,000 |  |  | $ | 3,167,000 |  |  | $ | 51,000 |  |  | $ | 29,689,000 |
Provision for loan losses |  |  | (355,000 | ) |  |  | (35,000 | ) |  |  | (10,000 | ) |  |  | (400,000 | )
Charge-offs |  |  | (1,548,000 | ) |  |  | (343,000 | ) |  |  | 0 |  |  |  | (1,891,000 | )
Recoveries |  |  | 326,000 |  |  |  | 38,000 |  |  |  | 0 |  |  |  | 364,000 |
Ending balance |  | $ | 24,894,000 |  |  | $ | 2,827,000 |  |  | $ | 41,000 |  |  | $ | 27,762,000 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2011 |  | $ | 33,431,000 |  |  | $ | 3,019,000 |  |  | $ | 82,000 |  |  | $ | 36,532,000 |
Provision for loan losses |  |  | (3,480,000 | ) |  |  | 121,000 |  |  |  | (41,000 | ) |  |  | (3,400,000 | )
Charge-offs |  |  | (10,662,000 | ) |  |  | (513,000 | ) |  |  | 0 |  |  |  | (11,175,000 | )
Recoveries |  |  | 5,605,000 |  |  |  | 200,000 |  |  |  | 0 |  |  |  | 5,805,000 |
Ending balance |  | $ | 24,894,000 |  |  | $ | 2,827,000 |  |  | $ | 41,000 |  |  | $ | 27,762,000 |
Ending balance: individually evaluated for impairment |  | $ | 15,498,000 |  |  | $ | 305,000 |  |  | $ | 0 |  |  | $ | 15,803,000 |
Ending balance: collectively evaluated for impairment |  | $ | 9,396,000 |  |  | $ | 2,522,000 |  |  | $ | 41,000 |  |  | $ | 11,959,000 |
Total loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 957,411,000 |  |  | $ | 77,877,000 |  |  |  |  |  |  | $ | 1,035,288,000 |
Ending balance: individually evaluated for impairment |  | $ | 61,378,000 |  |  | $ | 1,836,000 |  |  |  |  |  |  | $ | 63,214,000 |
Ending balance: collectively evaluated for impairment |  | $ | 896,033,000 |  |  | $ | 76,041,000 |  |  |  |  |  |  | $ | 972,074,000 |
|  | Commercial |  |  | Retail |  |  |  |  |  |  |
|  | Loans |  |  | Loans |  |  | Unallocated |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at June 30, 2011 |  | $ | 35,986,000 |  |  | $ | 2,641,000 |  |  | $ | 93,000 |  |  | $ | 38,720,000 |
Provision for loan losses |  |  | 586,000 |  |  |  | 533,000 |  |  |  | (19,000 | ) |  |  | 1,100,000 |
Charge-offs |  |  | (1,260,000 | ) |  |  | (82,000 | ) |  |  | 0 |  |  |  | (1,342,000 | )
Recoveries |  |  | 838,000 |  |  |  | 35,000 |  |  |  | 0 |  |  |  | 873,000 |
Ending balance |  | $ | 36,150,000 |  |  | $ | 3,127,000 |  |  | $ | 74,000 |  |  | $ | 39,351,000 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2010 |  | $ | 42,358,000 |  |  | $ | 2,972,000 |  |  | $ | 38,000 |  |  | $ | 45,368,000 |
Provision for loan losses |  |  | 3,074,000 |  |  |  | 1,890,000 |  |  |  | 36,000 |  |  |  | 5,000,000 |
Charge-offs |  |  | (12,168,000 | ) |  |  | (1,938,000 | ) |  |  | 0 |  |  |  | (14,106,000 | )
Recoveries |  |  | 2,886,000 |  |  |  | 203,000 |  |  |  | 0 |  |  |  | 3,089,000 |
Ending balance |  | $ | 36,150,000 |  |  | $ | 3,127,000 |  |  | $ | 74,000 |  |  | $ | 39,351,000 |
Ending balance: individually evaluated for impairment |  | $ | 8,543,000 |  |  | $ | 581,000 |  |  | $ | 0 |  |  | $ | 9,124,000 |
Ending balance: collectively evaluated for impairment |  | $ | 27,607,000 |  |  | $ | 2,546,000 |  |  | $ | 74,000 |  |  | $ | 30,227,000 |
Total loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 1,012,973,000 |  |  | $ | 81,064,000 |  |  |  |  |  |  | $ | 1,094,037,000 |
Ending balance: individually evaluated for impairment |  | $ | 47,556,000 |  |  | $ | 2,847,000 |  |  |  |  |  |  | $ | 50,403,000 |
Ending balance: collectively evaluated for impairment |  | $ | 965,417,000 |  |  | $ | 78,217,000 |  |  |  |  |  |  | $ | 1,043,634,000 |
Loans modified as troubled debt restructurings |
|  | Number of Contracts |  |  | Pre- Modification Recorded Principal Balance |  |  | Post- Modification Recorded Principal Balance |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 1 |  |  | $ | 133,000 |  |  | $ | 128,000 |
Vacant land, land development and residential construction |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate – owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate – non-owner occupied |  |  | 5 |  |  |  | 18,042,000 |  |  |  | 18,042,000 |
Real estate – multi-family and residential rental |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total commercial |  |  | 6 |  |  |  | 18,175,000 |  |  |  | 18,170,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
1-4 family mortgages |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total retail |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  |  | 6 |  |  | $ | 18,175,000 |  |  | $ | 18,170,000 |
|  | Number of Contracts |  |  | Pre- Modification Recorded Principal Balance |  |  | Post- Modification Recorded Principal Balance |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 6 |  |  | $ | 850,000 |  |  | $ | 843,000 |
Vacant land, land development and residential construction |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate – owner occupied |  |  | 5 |  |  |  | 1,588,000 |  |  |  | 1,587,000 |
Real estate – non-owner occupied |  |  | 6 |  |  |  | 22,433,000 |  |  |  | 22,433,000 |
Real estate – multi-family and residential rental |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total commercial |  |  | 17 |  |  |  | 24,871,000 |  |  |  | 24,863,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
1-4 family mortgages |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total retail |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  |  | 17 |  |  | $ | 24,871,000 |  |  | $ | 24,863,000 |
|  | Number of Contracts |  |  | Pre- Modification Recorded Principal Balance |  |  | Post- Modification Recorded Principal Balance |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 2 |  |  | $ | 110,000 |  |  | $ | 110,000 |
Vacant land, land development and residential construction |  |  | 6 |  |  |  | 2,219,000 |  |  |  | 2,219,000 |
Real estate – owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate – non-owner occupied |  |  | 2 |  |  |  | 701,000 |  |  |  | 701,000 |
Real estate – multi-family and residential rental |  |  | 6 |  |  |  | 709,000 |  |  |  | 549,000 |
Total commercial |  |  | 16 |  |  |  | 3,739,000 |  |  |  | 3,579,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
1-4 family mortgages |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total retail |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  |  | 16 |  |  | $ | 3,739,000 |  |  | $ | 3,579,000 |
|  | Number of Contracts |  |  | Pre- Modification Recorded Principal Balance |  |  | Post- Modification Recorded Principal Balance |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 14 |  |  | $ | 2,339,000 |  |  | $ | 2,330,000 |
Vacant land, land development and residential construction |  |  | 8 |  |  |  | 3,422,000 |  |  |  | 3,421,000 |
Real estate – owner occupied |  |  | 7 |  |  |  | 3,973,000 |  |  |  | 3,466,000 |
Real estate – non-owner occupied |  |  | 9 |  |  |  | 7,006,000 |  |  |  | 7,004,000 |
Real estate – multi-family and residential rental |  |  | 10 |  |  |  | 1,450,000 |  |  |  | 1,290,000 |
Total commercial |  |  | 48 |  |  |  | 18,190,000 |  |  |  | 17,511,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
1-4 family mortgages |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total retail |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  |  | 48 |  |  | $ | 18,190,000 |  |  | $ | 17,511,000 |
Loans, modified as troubled debt restructurings within the previous twelve months, that became over 30 days past due |
|  | Number of Contracts |  |  | Recorded Principal Balance |
Commercial: |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 0 |  |  | $ | 0 |
Vacant land, land development and residential construction |  |  | 0 |  |  |  | 0 |
Real estate – owner occupied |  |  | 0 |  |  |  | 0 |
Real estate – non-owner occupied |  |  | 0 |  |  |  | 0 |
Real estate – multi-family and residential rental |  |  | 0 |  |  |  | 0 |
Total commercial |  |  | 0 |  |  |  | 0 |
Retail: |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |
1-4 family mortgages |  |  | 0 |  |  |  | 0 |
Total retail |  |  | 0 |  |  |  | 0 |
Total |  |  | 0 |  |  | $ | 0 |
|  | Number of Contracts |  |  | Recorded Principal Balance |
Commercial: |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 0 |  |  | $ | 0 |
Vacant land, land development and residential construction |  |  | 0 |  |  |  | 0 |
Real estate – owner occupied |  |  | 0 |  |  |  | 0 |
Real estate – non-owner occupied |  |  | 0 |  |  |  | 0 |
Real estate – multi-family and residential rental |  |  | 0 |  |  |  | 0 |
Total commercial |  |  | 0 |  |  |  | 0 |
Retail: |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |
1-4 family mortgages |  |  | 0 |  |  |  | 0 |
Total retail |  |  | 0 |  |  |  | 0 |
Total |  |  | 0 |  |  | $ | 0 |
|  | Number of Contracts |  |  | Recorded Principal Balance |
Commercial: |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 1 |  |  | $ | 121,000 |
Vacant land, land development and residential construction |  |  | 0 |  |  |  | 0 |
Real estate – owner occupied |  |  | 0 |  |  |  | 0 |
Real estate – non-owner occupied |  |  | 1 |  |  |  | 793,000 |
Real estate – multi-family and residential rental |  |  | 2 |  |  |  | 135,000 |
Total commercial |  |  | 4 |  |  |  | 1,049,000 |
Retail: |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |
1-4 family mortgages |  |  | 0 |  |  |  | 0 |
Total retail |  |  | 0 |  |  |  | 0 |
Total |  |  | 4 |  |  | $ | 1,049,000 |
|  | Number of Contracts |  |  | Recorded Principal Balance |
Commercial: |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 2 |  |  | $ | 280,000 |
Vacant land, land development and residential construction |  |  | 0 |  |  |  | 0 |
Real estate – owner occupied |  |  | 0 |  |  |  | 0 |
Real estate – non-owner occupied |  |  | 1 |  |  |  | 793,000 |
Real estate – multi-family and residential rental |  |  | 2 |  |  |  | 135,000 |
Total commercial |  |  | 5 |  |  |  | 1,208,000 |
Retail: |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |
1-4 family mortgages |  |  | 0 |  |  |  | 0 |
Total retail |  |  | 0 |  |  |  | 0 |
Total |  |  | 5 |  |  | $ | 1,208,000 |

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