Financial Instruments with Off-Balance-Sheet Risk (Tables)

3 Months Ended

Mar. 31, 2013

Financial Instruments With Off Balance Sheet Risk [Abstract]

Financial Instruments Representing Off-Balance-Sheet Credit Risk

The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business, in order to meet the financing needs of its customers. Those financial instruments consist of commitments to extend credit, and standby letters of credit. They involve, to varying degrees, elements of risk in excess of the amount recognized in the balance sheet. The Company’s exposure to credit loss in the event of nonperformance by counterparties for commitments to extend credit and letters of credit is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments and issuing letters of credit as it does for originating loans included on the balance sheet. The following financial instruments represent off-balance-sheet credit risk (dollars in thousands):

	March 31, 2013		December 31, 2012
Commitments to extend credit	$	313,907	$	225,400
Standby letters of credit	$	6,727	$	6,690
Commercial letters of credit	$	8,536	$	8,539