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Allowance for Loan and Lease Losses (Tables)
 6 Months Ended
Jun. 30, 2013
Provision for Loan and Lease Losses [Abstract]  
Impaired Loans
Impaired Loans
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(dollars in thousands, unaudited)
 
June 30, 2013
 
 
 
Unpaid
Principal
Balance(1)
 
Recorded
Investment(2)
 
Related
Allowance
 
Average
Recorded
Investment
 
Interest
Income
Recognized(3)
 
With an Allowance Recorded
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Real Estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
1-4 family residential construction
 
$
-
 
$
-
 
$
-
 
$
-
 
$
-
 
Other Construction/Land
 
 
5,619
 
 
5,619
 
 
1,290
 
 
5,666
 
 
46
 
1-4 Family - closed-end
 
 
15,901
 
 
15,901
 
 
1,338
 
 
15,959
 
 
209
 
Equity Lines
 
 
496
 
 
496
 
 
54
 
 
497
 
 
7
 
Commercial real estate- owner occupied
 
 
5,765
 
 
4,473
 
 
462
 
 
4,500
 
 
83
 
Commercial real estate- non-owner
    occupied
 
 
6,390
 
 
6,230
 
 
1,301
 
 
6,298
 
 
182
 
Farmland
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
Total Real Estate
 
 
34,171
 
 
32,719
 
 
4,445
 
 
32,920
 
 
527
 
Agriculture
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
Commercial and Industrial
 
 
1,944
 
 
1,908
 
 
744
 
 
1,984
 
 
44
 
Small Business Administration
 
 
2,450
 
 
2,255
 
 
1,147
 
 
2,254
 
 
29
 
Direct finance leases
 
 
60
 
 
60
 
 
30
 
 
60
 
 
-
 
Consumer loans
 
 
3,969
 
 
3,902
 
 
784
 
 
3,995
 
 
90
 
 
 
 
42,594
 
 
40,844
 
 
7,150
 
 
41,213
 
 
690
 
With no Related Allowance Recorded
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Real Estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
1-4 family residential construction
 
$
-
 
$
-
 
$
-
 
$
-
 
$
-
 
Other Construction/Land
 
 
1,879
 
 
1,792
 
 
-
 
 
2,636
 
 
-
 
1-4 Family - closed-end
 
 
6,597
 
 
5,874
 
 
-
 
 
6,209
 
 
-
 
Equity Lines
 
 
760
 
 
593
 
 
-
 
 
594
 
 
-
 
Commercial real estate- owner occupied
 
 
5,560
 
 
5,154
 
 
-
 
 
5,183
 
 
-
 
Commercial real estate- non-owner
    occupied
 
 
7,832
 
 
7,714
 
 
-
 
 
7,719
 
 
-
 
Farmland
 
 
456
 
 
456
 
 
-
 
 
460
 
 
-
 
Total Real Estate
 
 
23,084
 
 
21,583
 
 
-
 
 
22,801
 
 
-
 
Agriculture
 
 
21
 
 
20
 
 
-
 
 
22
 
 
-
 
Commercial and Industrial
 
 
2,463
 
 
2,345
 
 
-
 
 
2,470
 
 
24
 
Small Business Administration
 
 
1,100
 
 
772
 
 
-
 
 
773
 
 
-
 
Direct finance leases
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
Consumer loans
 
 
181
 
 
52
 
 
-
 
 
60
 
 
-
 
 
 
 
26,849
 
 
24,772
 
 
-
 
 
26,126
 
 
24
 
Total
 
$
69,443
 
$
65,616
 
$
7,150
 
$
67,339
 
$
714
 
 
(1)Contractual principal balance due from customer.
(2)Principal balance on Company's books, less any direct charge offs.
(3)Interest income is recognized on performing balances on a regular accrual basis.
 
 
 
December 31, 2012
 
 
 
Unpaid 
Principal
Balance(1)
 
Recorded
Investment(2)
 
Related
Allowance
 
Average
Recorded
Investment
 
Interest
Income
Recognized(3)
 
With an Allowance Recorded
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Real Estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
1-4 family residential construction
 
$
153
 
$
153
 
$
23
 
$
91
 
$
-
 
Other Construction/Land
 
 
10,313
 
 
10,313
 
 
1,244
 
 
10,755
 
 
86
 
1-4 Family - closed-end
 
 
19,218
 
 
18,910
 
 
955
 
 
19,024
 
 
401
 
Equity Lines
 
 
1,142
 
 
1,142
 
 
163
 
 
1,144
 
 
9
 
Commercial real estate- owner occupied
 
 
5,846
 
 
5,585
 
 
563
 
 
5,666
 
 
126
 
Commercial real estate- non-owner
    occupied
 
 
18,539
 
 
17,579
 
 
1,230
 
 
18,079
 
 
481
 
Farmland
 
 
254
 
 
254
 
 
2
 
 
259
 
 
-
 
Total Real Estate
 
 
55,465
 
 
53,936
 
 
4,180
 
 
55,018
 
 
1,103
 
Agriculture
 
 
28
 
 
28
 
 
28
 
 
28
 
 
-
 
Commercial and Industrial
 
 
2,955
 
 
2,920
 
 
934
 
 
3,100
 
 
51
 
Small Business Administration
 
 
2,704
 
 
2,507
 
 
1,038
 
 
2,507
 
 
53
 
Direct finance leases
 
 
135
 
 
135
 
 
67
 
 
135
 
 
-
 
Consumer loans
 
 
4,349
 
 
4,344
 
 
878
 
 
4,493
 
 
183
 
 
 
 
65,636
 
 
63,870
 
 
7,125
 
 
65,281
 
 
1,390
 
With no Related Allowance Recorded
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Real Estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
1-4 family residential construction
 
$
-
 
$
-
 
$
-
 
$
-
 
$
-
 
Other Construction/Land
 
 
2,335
 
 
2,335
 
 
-
 
 
2,346
 
 
-
 
1-4 Family - closed-end
 
 
4,312
 
 
4,312
 
 
-
 
 
4,491
 
 
-
 
Equity Lines
 
 
116
 
 
116
 
 
-
 
 
155
 
 
1
 
Commercial real estate- owner occupied
 
 
4,298
 
 
3,365
 
 
-
 
 
3,540
 
 
-
 
Commercial real estate- non-owner
    occupied
 
 
390
 
 
390
 
 
-
 
 
421
 
 
3
 
Farmland
 
 
1,679
 
 
1,679
 
 
-
 
 
1,686
 
 
-
 
Total Real Estate
 
 
13,130
 
 
12,197
 
 
-
 
 
12,639
 
 
4
 
Agriculture
 
 
1,008
 
 
635
 
 
-
 
 
1,017
 
 
-
 
Commercial and Industrial
 
 
735
 
 
736
 
 
-
 
 
740
 
 
-
 
Small Business Administration
 
 
1,008
 
 
720
 
 
-
 
 
720
 
 
-
 
Direct finance leases
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
Consumer loans
 
 
4
 
 
4
 
 
-
 
 
7
 
 
-
 
 
 
 
15,885
 
 
14,292
 
 
-
 
 
15,123
 
 
4
 
Total
 
$
81,521
 
$
78,162
 
$
7,125
 
$
80,404
 
$
1,394
 
 
(1)Contractual principal balance due from customer.
(2)Principal balance on Company's books, less any direct charge offs.
(3)Interest income is recognized on performing balances on a regular accrual basis.
Impaired Loans, Condensed Information Impaired Loans
Similar but condensed information is provided in the following table, as of the dates noted:
 
Impaired Loans
 
 
 
 
 
 
 
(dollars in thousands, unaudited)
 
 
 
 
 
 
 
 
 
June 30, 2013
 
December 31, 2012
 
 
 
 
 
 
 
 
 
Impaired loans without a valuation allowance
 
$
24,772
 
$
14,292
 
Impaired loans with a valuation allowance
 
$
40,844
 
$
63,870
 
Total impaired loans (1)
 
$
65,616
 
$
78,162
 
Valuation allowance related to impaired loans
 
$
7,150
 
$
7,125
 
Total non-accrual loans
 
$
42,309
 
$
53,094
 
Total loans past-due ninety days or more and still accruing
 
$
2
 
$
-
 
 
(1) Principal balance on Company's books less any direct charge-off