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Loans and allowance for credit losses (Tables) | 9 Months Ended
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Sep. 30, 2013
Receivables [Abstract] |
Schedule of Financing Receivables [Table Text Block] | The following table provides information about the principal classes of the loan portfolio at September 30, 2013 and December 31, 2012.
|  | September 30, |  | December 31, |
(Dollars in thousands) |  | 2013 |  | 2012 |
Construction |  | $ | 68,971 |  | $ | 108,051 |
Residential real estate |  |  | 280,153 |  |  | 288,011 |
Commercial real estate |  |  | 303,154 |  |  | 314,941 |
Commercial |  |  | 55,101 |  |  | 60,786 |
Consumer |  |  | 11,248 |  |  | 13,293 |
Total loans |  |  | 718,627 |  |  | 785,082 |
Allowance for credit losses |  |  | (11,301) |  |  | (15,991) |
Total loans, net |  | $ | 707,326 |  | $ | 769,091 |
Allowance for Credit Losses on Loans Receivables Additional Information [Table Text Block] | The following tables include impairment information relating to loans and the allowance for credit losses as of September 30, 2013 and December 31, 2012.
(Dollars in thousands) |  | Construction |  | Residential real estate |  | Commercial real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total |
September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 9,938 |  | $ | 22,171 |  | $ | 14,919 |  | $ | 952 |  | $ | 80 |  | $ | - |  | $ | 48,060 |
Loans collectively evaluated for impairment |  |  | 59,033 |  |  | 257,982 |  |  | 288,235 |  |  | 54,149 |  |  | 11,168 |  |  | - |  |  | 670,567 |
Total loans |  | $ | 68,971 |  | $ | 280,153 |  | $ | 303,154 |  | $ | 55,101 |  | $ | 11,248 |  | $ | - |  | $ | 718,627 |
Allowance for credit losses allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 422 |  | $ | 924 |  | $ | 455 |  | $ | 305 |  | $ | 61 |  | $ | - |  | $ | 2,167 |
Loans collectively evaluated for impairment |  |  | 1,568 |  |  | 2,806 |  |  | 3,113 |  |  | 967 |  |  | 209 |  |  | 471 |  |  | 9,134 |
Total allowance for credit losses |  | $ | 1,990 |  | $ | 3,730 |  | $ | 3,568 |  | $ | 1,272 |  | $ | 270 |  | $ | 471 |  | $ | 11,301 |
(Dollars in thousands) |  | Construction |  | Residential real estate |  | Commercial real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total |
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 37,029 |  | $ | 18,549 |  | $ | 32,447 |  | $ | 715 |  | $ | 87 |  | $ | - |  | $ | 88,827 |
Loans collectively evaluated for impairment |  |  | 71,022 |  |  | 269,462 |  |  | 282,494 |  |  | 60,071 |  |  | 13,206 |  |  | - |  |  | 696,255 |
Total loans |  | $ | 108,051 |  | $ | 288,011 |  | $ | 314,941 |  | $ | 60,786 |  | $ | 13,293 |  | $ | - |  | $ | 785,082 |
Allowance for credit losses allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 941 |  | $ | 598 |  | $ | 614 |  | $ | - |  | $ | 48 |  | $ | - |  | $ | 2,201 |
Loans collectively evaluated for impairment |  |  | 3,446 |  |  | 4,596 |  |  | 3,520 |  |  | 1,682 |  |  | 359 |  |  | 187 |  |  | 13,790 |
Total allowance for credit losses |  | $ | 4,387 |  | $ | 5,194 |  | $ | 4,134 |  | $ | 1,682 |  | $ | 407 |  | $ | 187 |  | $ | 15,991 |
Impaired Financing Receivables [Table Text Block] | The following tables provide information on impaired loans and any related allowance by loan class as of September 30, 2013 and December 31, 2012. The difference between the unpaid principal balance and the recorded investment is the amount of partial charge-offs that have been taken.
(Dollars in thousands) |  | Unpaid principal balance |  | Recorded investment with no allowance |  | Recorded investment with an allowance |  | Related allowance |  | Quarter-to- date average recorded investment |  | Year-to-date average recorded investment |
September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Impaired nonaccrual loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 11,863 |  | $ | 6,582 |  | $ | 1,457 |  | $ | 421 |  | $ | 9,672 |  | $ | 8,654 |
Residential real estate |  |  | 7,486 |  |  | 4,082 |  |  | 1,323 |  |  | 309 |  |  | 10,825 |  |  | 10,921 |
Commercial real estate |  |  | 6,287 |  |  | 1,825 |  |  | 1,517 |  |  | 255 |  |  | 7,607 |  |  | 9,905 |
Commercial |  |  | 1,678 |  |  | 546 |  |  | 122 |  |  | 122 |  |  | 656 |  |  | 595 |
Consumer |  |  | 54 |  |  | 19 |  |  | 28 |  |  | 28 |  |  | 43 |  |  | 44 |
Total |  |  | 27,368 |  |  | 13,054 |  |  | 4,447 |  |  | 1,135 |  |  | 28,803 |  |  | 30,119 |
Impaired accruing restructured loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | 1,899 |  |  | 1,804 |  |  | 95 |  |  | 1 |  |  | 14,462 |  |  | 20,834 |
Residential real estate |  |  | 16,735 |  |  | 14,347 |  |  | 2,388 |  |  | 584 |  |  | 11,290 |  |  | 9,225 |
Commercial real estate |  |  | 10,704 |  |  | 9,439 |  |  | 1,265 |  |  | 92 |  |  | 12,849 |  |  | 15,331 |
Commercial |  |  | 101 |  |  | 101 |  |  | - |  |  | - |  |  | 105 |  |  | 112 |
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Total |  |  | 29,439 |  |  | 25,691 |  |  | 3,748 |  |  | 677 |  |  | 38,706 |  |  | 45,502 |
Impaired adversely rated loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Residential real estate |  |  | 31 |  |  | - |  |  | 31 |  |  | 31 |  |  | 16 |  |  | 8 |
Commercial real estate |  |  | 873 |  |  | - |  |  | 873 |  |  | 108 |  |  | 437 |  |  | 218 |
Commercial |  |  | 183 |  |  | - |  |  | 183 |  |  | 183 |  |  | 92 |  |  | 46 |
Consumer |  |  | 33 |  |  | - |  |  | 33 |  |  | 33 |  |  | 17 |  |  | 8 |
Total |  |  | 1,120 |  |  | - |  |  | 1,120 |  |  | 355 |  |  | 562 |  |  | 280 |
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | 13,762 |  |  | 8,386 |  |  | 1,552 |  |  | 422 |  |  | 24,134 |  |  | 29,488 |
Residential real estate |  |  | 24,252 |  |  | 18,429 |  |  | 3,742 |  |  | 924 |  |  | 22,131 |  |  | 20,154 |
Commercial real estate |  |  | 17,864 |  |  | 11,264 |  |  | 3,655 |  |  | 455 |  |  | 20,893 |  |  | 25,454 |
Commercial |  |  | 1,962 |  |  | 647 |  |  | 305 |  |  | 305 |  |  | 853 |  |  | 753 |
Consumer |  |  | 87 |  |  | 19 |  |  | 61 |  |  | 61 |  |  | 60 |  |  | 52 |
Total |  | $ | 57,927 |  | $ | 38,745 |  | $ | 9,315 |  | $ | 2,167 |  | $ | 68,071 |  | $ | 75,901 |
(Dollars in thousands) |  | Unpaid principal balance |  | Recorded investment with no allowance |  | Recorded investment with an allowance |  | Related allowance |  | Quarter-to- date average recorded investment |  | Year-to-date average recorded investment |
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Impaired nonaccrual loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 14,288 |  | $ | 3,371 |  | $ | 6,323 |  | $ | 941 |  | $ | 10,600 |  | $ | 12,428 |
Residential real estate |  |  | 17,975 |  |  | 9,469 |  |  | 2,063 |  |  | 598 |  |  | 13,294 |  |  | 17,472 |
Commercial real estate |  |  | 19,515 |  |  | 11,838 |  |  | 2,729 |  |  | 614 |  |  | 13,554 |  |  | 12,975 |
Commercial |  |  | 1,556 |  |  | 594 |  |  | - |  |  | - |  |  | 1,126 |  |  | 1,538 |
Consumer |  |  | 92 |  |  | 39 |  |  | 48 |  |  | 48 |  |  | 50 |  |  | 55 |
Total |  |  | 53,426 |  |  | 25,311 |  |  | 11,163 |  |  | 2,201 |  |  | 38,624 |  |  | 44,468 |
Impaired accruing restructured loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | 27,335 |  |  | 27,335 |  |  | - |  |  | - |  |  | 27,907 |  |  | 21,193 |
Residential real estate |  |  | 7,017 |  |  | 7,017 |  |  | - |  |  | - |  |  | 6,124 |  |  | 5,064 |
Commercial real estate |  |  | 17,880 |  |  | 17,880 |  |  | - |  |  | - |  |  | 17,433 |  |  | 16,252 |
Commercial |  |  | 121 |  |  | 121 |  |  | - |  |  | - |  |  | 105 |  |  | 87 |
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Total |  |  | 52,353 |  |  | 52,353 |  |  | - |  |  | - |  |  | 51,569 |  |  | 42,596 |
Impaired adversely rated loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Residential real estate |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Commercial real estate |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Total |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | 41,623 |  |  | 30,706 |  |  | 6,323 |  |  | 941 |  |  | 38,507 |  |  | 33,621 |
Residential real estate |  |  | 24,992 |  |  | 16,486 |  |  | 2,063 |  |  | 598 |  |  | 19,418 |  |  | 22,536 |
Commercial real estate |  |  | 37,395 |  |  | 29,718 |  |  | 2,729 |  |  | 614 |  |  | 30,987 |  |  | 29,227 |
Commercial |  |  | 1,677 |  |  | 715 |  |  | - |  |  | - |  |  | 1,231 |  |  | 1,625 |
Consumer |  |  | 92 |  |  | 39 |  |  | 48 |  |  | 48 |  |  | 50 |  |  | 55 |
Total |  | $ | 105,779 |  | $ | 77,664 |  | $ | 11,163 |  | $ | 2,201 |  | $ | 90,193 |  | $ | 87,064 |
Troubled Debt Restructurings on Financing Receivables [Table Text Block] | The following tables provide information on loans that were modified and considered TDRs during the nine months ended September 30, 2013 and September 30, 2012.
(Dollars in thousands) |  | Number of contracts |  | Premodification outstanding recorded investment |  | Postmodification outstanding recorded investment |  | Related allowance |
TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |
For the nine months ended September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | 3 |  | $ | 218 |  | $ | 218 |  | $ | - |
Residential real estate |  |  | 6 |  |  | 11,758 |  |  | 11,772 |  |  | 38 |
Commercial real estate |  |  | 4 |  |  | 2,212 |  |  | 2,211 |  |  | 82 |
Commercial |  |  | - |  |  | - |  |  | - |  |  | - |
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |
Total |  |  | 13 |  | $ | 14,188 |  | $ | 14,201 |  | $ | 120 |
For the nine months ended September 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | 12 |  | $ | 17,347 |  | $ | 17,361 |  | $ | - |
Residential real estate |  |  | 11 |  |  | 3,382 |  |  | 3,044 |  |  | - |
Commercial real estate |  |  | 7 |  |  | 7,270 |  |  | 7,429 |  |  | - |
Commercial |  |  | 1 |  |  | 24 |  |  | 24 |  |  | - |
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |
Total |  |  | 31 |  | $ | 28,023 |  | $ | 27,858 |  | $ | - |
Troubled Debt Restructurings that Defaulted on Financing Receivables [Table Text Block] | The following tables provide information on TDRs that defaulted during the nine months ended September 30, 2013 and September 30, 2012. Generally, a loan is considered in default when principal or interest is past due 90 days or more.
(Dollars in thousands) |  | Number of contracts |  |  | Recorded investment |  |  | Related allowance |
TDRs that subsequently defaulted (1): |  |  |  |  |  |  |  |  |
For the nine months ended September 30, 2013 |  |  |  |  |  |  |  |  |
Construction |  | - |  | $ | - |  | $ | - |
Residential real estate |  | 4 |  |  | 1,563 |  |  | - |
Commercial real estate |  | 1 |  |  | 1,741 |  |  | 74 |
Commercial |  | - |  |  | - |  |  | - |
Consumer |  | - |  |  | - |  |  | - |
Total |  | 5 |  | $ | 3,304 |  | $ | 74 |
TDRs that subsequently defaulted (2): |  |  |  |  |  |  |  |  |
For the nine months ended September 30, 2012 |  |  |  |  |  |  |  |  |
Construction |  | 1 |  | $ | 666 |  | $ | - |
Residential real estate |  | 3 |  |  | 913 |  |  | - |
Commercial real estate |  | - |  |  | - |  |  | - |
Commercial |  | - |  |  | - |  |  | - |
Consumer |  | - |  |  | - |  |  | - |
Total |  | 4 |  | $ | 1,579 |  | $ | - |
(1) These loans were classified as TDRs during 2012. (2) These loans were classified as TDRs during 2011.
Financing Receivable Credit Quality Indicators [Table Text Block] | The following tables provide information on loan risk ratings as of September 30, 2013 and December 31, 2012.
(Dollars in thousands) |  | Pass/Performing |  | Special mention |  | Substandard |  | Doubtful |  | Nonaccrual |  | Total |
September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 38,481 |  | $ | 15,369 |  | $ | 7,082 |  | $ | - |  | $ | 8,039 |  | $ | 68,971 |
Residential real estate |  |  | 238,293 |  |  | 21,806 |  |  | 14,649 |  |  | - |  |  | 5,405 |  |  | 280,153 |
Commercial real estate |  |  | 266,836 |  |  | 22,813 |  |  | 10,163 |  |  | - |  |  | 3,342 |  |  | 303,154 |
Commercial |  |  | 50,313 |  |  | 3,406 |  |  | 714 |  |  | - |  |  | 668 |  |  | 55,101 |
Consumer |  |  | 10,995 |  |  | 206 |  |  | - |  |  | - |  |  | 47 |  |  | 11,248 |
Total |  | $ | 604,918 |  | $ | 63,600 |  | $ | 32,608 |  | $ | - |  | $ | 17,501 |  | $ | 718,627 |
(Dollars in thousands) |  | Pass/Performing |  | Special mention |  | Substandard |  | Doubtful |  | Nonaccrual |  | Total |
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 45,385 |  | $ | 30,817 |  | $ | 22,155 |  | $ | - |  | $ | 9,694 |  | $ | 108,051 |
Residential real estate |  |  | 237,299 |  |  | 23,657 |  |  | 15,090 |  |  | 433 |  |  | 11,532 |  |  | 288,011 |
Commercial real estate |  |  | 257,418 |  |  | 21,554 |  |  | 21,402 |  |  | - |  |  | 14,567 |  |  | 314,941 |
Commercial |  |  | 55,432 |  |  | 3,062 |  |  | 1,639 |  |  | 59 |  |  | 594 |  |  | 60,786 |
Consumer |  |  | 13,147 |  |  | - |  |  | 59 |  |  | - |  |  | 87 |  |  | 13,293 |
Total |  | $ | 608,681 |  | $ | 79,090 |  | $ | 60,345 |  | $ | 492 |  | $ | 36,474 |  | $ | 785,082 |
Past Due Financing Receivables [Table Text Block] | The following tables provide information on the aging of the loan portfolio as of September 30, 2013 and December 31, 2012.
|  | Accruing |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Current |  |  | 30-59 days past due |  |  | 60-89 days past due |  |  | 90 days or more past due |  | Total past due |  |  | Nonaccrual |  |  | Total |
September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 60,932 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  | $ | - |  |  | $ | 8,039 |  |  | $ | 68,971 |
Residential real estate |  |  | 272,819 |  |  |  | 1,554 |  |  |  | 375 |  |  |  | - |  |  | 1,929 |  |  |  | 5,405 |  |  |  | 280,153 |
Commercial real estate |  |  | 297,841 |  |  |  | - |  |  |  | 1,971 |  |  |  | - |  |  | 1,971 |  |  |  | 3,342 |  |  |  | 303,154 |
Commercial |  |  | 54,164 |  |  |  | 248 |  |  |  | 21 |  |  |  | - |  |  | 269 |  |  |  | 668 |  |  |  | 55,101 |
Consumer |  |  | 11,099 |  |  |  | 48 |  |  |  | 45 |  |  |  | 9 |  |  | 102 |  |  |  | 47 |  |  |  | 11,248 |
Total |  | $ | 696,855 |  |  | $ | 1,850 |  |  | $ | 2,412 |  |  | $ | 9 |  | $ | 4,271 |  |  | $ | 17,501 |  |  | $ | 718,627 |
Percent of total loans |  |  | 97.0 | % |  |  | 0.3 | % |  |  | 0.3 | % |  |  | - |  |  | 0.6 | % |  |  | 2.4 | % |  |  |  |
|  | Accruing |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Current |  |  | 30-59 days past due |  |  | 60-89 days past due |  |  | 90 days or more past due |  |  | Total past due |  |  | Nonaccrual |  |  | Total |
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 98,221 |  |  | $ | 136 |  |  | $ | - |  |  | $ | - |  |  | $ | 136 |  |  | $ | 9,694 |  |  | $ | 108,051 |
Residential real estate |  |  | 272,311 |  |  |  | 3,116 |  |  |  | 762 |  |  |  | 290 |  |  |  | 4,168 |  |  |  | 11,532 |  |  |  | 288,011 |
Commercial real estate |  |  | 298,522 |  |  |  | 887 |  |  |  | 800 |  |  |  | 165 |  |  |  | 1,852 |  |  |  | 14,567 |  |  |  | 314,941 |
Commercial |  |  | 59,746 |  |  |  | 380 |  |  |  | 66 |  |  |  | - |  |  |  | 446 |  |  |  | 594 |  |  |  | 60,786 |
Consumer |  |  | 13,125 |  |  |  | 57 |  |  |  | 19 |  |  |  | 5 |  |  |  | 81 |  |  |  | 87 |  |  |  | 13,293 |
Total |  | $ | 741,925 |  |  | $ | 4,576 |  |  | $ | 1,647 |  |  | $ | 460 |  |  | $ | 6,683 |  |  | $ | 36,474 |  |  | $ | 785,082 |
Percent of total loans |  |  | 94.5 | % |  |  | 0.6 | % |  |  | 0.2 | % |  |  | 0.1 | % |  |  | 0.9 | % |  |  | 4.6 | % |  |  |  |
Allowance for Credit Losses on Financing Receivables [Table Text Block] | The following tables provide a summary of the activity in the allowance for credit losses allocated by loan class for the three months ended September 30, 2013 and 2012. Allocation of a portion of the allowance to one loan class does not preclude its availability to absorb losses in other loan classes.
(Dollars in thousands) |  | Construction |  | Residential real estate |  | Commercial real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total |
For the three months ended September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 4,346 |  | $ | 4,259 |  | $ | 5,514 |  | $ | 1,216 |  | $ | 301 |  | $ | 87 |  | $ | 15,723 |
Charge-offs |  |  | (18,539) |  |  | (4,225) |  |  | (4,056) |  |  | (196) |  |  | (3) |  |  | - |  |  | (27,019) |
Recoveries |  |  | 3 |  |  | 51 |  |  | 20 |  |  | 47 |  |  | 16 |  |  | - |  |  | 137 |
Net charge-offs |  |  | (18,536) |  |  | (4,174) |  |  | (4,036) |  |  | (149) |  |  | 13 |  |  | - |  |  | (26,882) |
Provision |  |  | 16,180 |  |  | 3,645 |  |  | 2,090 |  |  | 205 |  |  | (44) |  |  | 384 |  |  | 22,460 |
Ending balance |  | $ | 1,990 |  | $ | 3,730 |  | $ | 3,568 |  | $ | 1,272 |  | $ | 270 |  | $ | 471 |  | $ | 11,301 |
(Dollars in thousands) |  | Construction |  | Residential real estate |  | Commercial real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total |
For the three months ended September 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 2,845 |  | $ | 4,237 |  | $ | 3,952 |  | $ | 1,063 |  | $ | 304 |  | $ | 408 |  | $ | 12,990 |
Charge-offs |  |  | (3,222) |  |  | (2,323) |  |  | (742) |  |  | (73) |  |  | (31) |  |  | - |  |  | (6,391) |
Recoveries |  |  | 5 |  |  | 5 |  |  | 116 |  |  | 22 |  |  | 8 |  |  | - |  |  | 156 |
Net charge-offs |  |  | (3,217) |  |  | (2,318) |  |  | (626) |  |  | (51) |  |  | (23) |  |  | - |  |  | (6,235) |
Provision |  |  | 3,699 |  |  | 2,268 |  |  | 275 |  |  | 524 |  |  | (158) |  |  | (408) |  |  | 6,200 |
Ending balance |  | $ | 3,327 |  | $ | 4,187 |  | $ | 3,601 |  | $ | 1,536 |  | $ | 304 |  | $ | - |  | $ | 12,955 |
The following tables provide a summary of the activity in the allowance for credit losses allocated by loan class for the nine months ended September 30, 2013 and 2012.
(Dollars in thousands) |  | Construction |  | Residential real estate |  | Commercial real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total |
For the nine months ended September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 4,387 |  | $ | 5,194 |  | $ | 4,134 |  | $ | 1,682 |  | $ | 407 |  | $ | 187 |  | $ | 15,991 |
Charge-offs |  |  | (20,048) |  |  | (6,114) |  |  | (6,003) |  |  | (419) |  |  | (65) |  |  | - |  |  | (32,649) |
Recoveries |  |  | 5 |  |  | 349 |  |  | 113 |  |  | 149 |  |  | 33 |  |  | - |  |  | 649 |
Net charge-offs |  |  | (20,043) |  |  | (5,765) |  |  | (5,890) |  |  | (270) |  |  | (32) |  |  | - |  |  | (32,000) |
Provision |  |  | 17,646 |  |  | 4,301 |  |  | 5,324 |  |  | (140) |  |  | (105) |  |  | 284 |  |  | 27,310 |
Ending balance |  | $ | 1,990 |  | $ | 3,730 |  | $ | 3,568 |  | $ | 1,272 |  | $ | 270 |  | $ | 471 |  | $ | 11,301 |
(Dollars in thousands) |  | Construction |  | Residential real estate |  | Commercial real estate |  | Commercial |  | Consumer |  | Unallocated |  | Total |
For the nine months ended September 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 3,745 |  | $ | 5,014 |  | $ | 3,415 |  | $ | 1,498 |  | $ | 594 |  | $ | 22 |  | $ | 14,288 |
Charge-offs |  |  | (5,008) |  |  | (7,996) |  |  | (2,177) |  |  | (4,513) |  |  | (208) |  |  | - |  |  | (19,902) |
Recoveries |  |  | 5 |  |  | 99 |  |  | 123 |  |  | 230 |  |  | 17 |  |  | - |  |  | 474 |
Net charge-offs |  |  | (5,003) |  |  | (7,897) |  |  | (2,054) |  |  | (4,283) |  |  | (191) |  |  | - |  |  | (19,428) |
Provision |  |  | 4,585 |  |  | 7,070 |  |  | 2,240 |  |  | 4,321 |  |  | (99) |  |  | (22) |  |  | 18,095 |
Ending balance |  | $ | 3,327 |  | $ | 4,187 |  | $ | 3,601 |  | $ | 1,536 |  | $ | 304 |  | $ | - |  | $ | 12,955 |

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