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Allowance for Loan Losses | 9 Months Ended
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Sep. 30, 2011
Allowance for Loan Losses [Abstract] |
Allowance for Loan Losses | (5) Allowance for Loan Losses The following tables detail activity in the allowance for loan losses, segregated by class of loan, for September 30, 2011 and September 30, 2010. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other loan categories and periodically may result in reallocation within the provision categories. Transactions in the allowance for loan losses are summarized below for nine months ended September 30, 2011 as follows:
September 30, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Beginning |  |  |  |  |  |  |  |  |  |  |  | Ending |
|  | Balance |  |  | Charge-Offs |  |  | Recoveries |  |  | Provision |  |  | Balance |
Commercial and Industrial |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 4,415 |  |  | $ | (718 | ) |  | $ | 124 |  |  | $ | (1,591 | ) |  | $ | 2,230 |
Industrial |  |  | 698 |  |  |  | (455 | ) |  |  | 401 |  |  |  | (257 | ) |  |  | 387 |
Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Construction |  |  | 4,126 |  |  |  | (4,218 | ) |  |  | 548 |  |  |  | 4,217 |  |  |  | 4,673 |
Residential Construction |  |  | 520 |  |  |  | -- |  |  |  | -- |  |  |  | (159 | ) |  |  | 361 |
Commercial |  |  | 8,030 |  |  |  | (12,175 | ) |  |  | 517 |  |  |  | 6,730 |  |  |  | 3,102 |
Residential |  |  | 5,942 |  |  |  | (1,291 | ) |  |  | 120 |  |  |  | (910 | ) |  |  | 3,861 |
Farmland |  |  | 944 |  |  |  | (61 | ) |  |  | 1 |  |  |  | (317 | ) |  |  | 567 |
Consumer and Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer |  |  | 3,074 |  |  |  | (192 | ) |  |  | 123 |  |  |  | (1,371 | ) |  |  | 1,634 |
Other |  |  | 531 |  |  |  | (100 | ) |  |  | 6 |  |  |  | (342 | ) |  |  | 95 |
|  | $ | 28,280 |  |  | $ | (19,210 | ) |  | $ | 1,840 |  |  | $ | 6,000 |  |  | $ | 16,910 |
September 30, 2011 |  |  |  |  |  |  |  |  |
|  | Ending Balance |
|  | Individually |  |  | Collectively |  |  |  |
|  | Evaluated for |  |  | Evaluated for |  |  |  |
|  | Impairment |  |  | Impairment |  |  | Total |
Commercial and Industrial |  |  |  |  |  |  |  |  |
Commercial |  | $ | 686 |  |  | $ | 1,544 |  |  | $ | 2,230 |
Industrial |  |  | 7 |  |  |  | 380 |  |  |  | 387 |
Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial Construction |  |  | 4,579 |  |  |  | 94 |  |  |  | 4,673 |
Residential Construction |  |  | -- |  |  |  | 361 |  |  |  | 361 |
Commercial |  |  | 1,097 |  |  |  | 2,005 |  |  |  | 3,102 |
Residential |  |  | 2,994 |  |  |  | 867 |  |  |  | 3,861 |
Farmland |  |  | 11 |  |  |  | 556 |  |  |  | 567 |
Consumer and Other |  |  |  |  |  |  |  |  |  |  |  |
Consumer |  |  | 68 |  |  |  | 1,566 |  |  |  | 1,634 |
Other |  |  | -- |  |  |  | 95 |  |  |  | 95 |
Total End of Period Allowance Balance |  | $ | 9,442 |  |  | $ | 7,468 |  |  | $ | 16,910 |
Total End of Period Loan Balance |  | $ | 89,614 |  |  | $ | 651,385 |  |  | $ | 740,999 |
The Company determines its individual reserves during its quarterly review of substandard loans. Although not all loans in the substandard category are considered impaired, this quarterly reassessment often results in the identification of individual reserves which are placed against certain loans as part of management's allowance for loan loss calculation. Transactions in the allowance for loan losses are summarized below for nine months ended September 30, 2010 as follows:
September 30, 2010 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Beginning |  |  |  |  |  |  |  |  |  |  |  | Ending |
|  | Balance |  |  | Charge-Offs |  |  | Recoveries |  |  | Provision |  |  | Balance |
Commercial and Industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 3,931 |  |  | $ | (428 | ) |  | $ | 75 |  |  | $ | 30 |  |  | $ | 3,608 |
Industrial |  |  | 779 |  |  |  | (252 | ) |  |  | 1 |  |  |  | 27 |  |  |  | 555 |
Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Construction |  |  | 7,402 |  |  |  | (4,278 | ) |  |  | 107 |  |  |  | 3,430 |  |  |  | 6,661 |
Residential Construction |  |  | 448 |  |  |  | -- |  |  |  | -- |  |  |  | (171 | ) |  |  | 277 |
Commercial |  |  | 8,790 |  |  |  | (7,163 | ) |  |  | 140 |  |  |  | 6,004 |  |  |  | 7,771 |
Residential |  |  | 5,026 |  |  |  | (2,280 | ) |  |  | 435 |  |  |  | 1,260 |  |  |  | 4,441 |
Farmland |  |  | 942 |  |  |  | (233 | ) |  |  | -- |  |  |  | 123 |  |  |  | 832 |
Consumer and Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer |  |  | 2,826 |  |  |  | (365 | ) |  |  | 230 |  |  |  | (193 | ) |  |  | 2,498 |
Other |  |  | 1,257 |  |  |  | (511 | ) |  |  | 25 |  |  |  | 340 |  |  |  | 1,111 |
|  | $ | 31,401 |  |  | $ | (15,510 | ) |  | $ | 1,013 |  |  | $ | 10,850 |  |  | $ | 27,754 |
September 30, 2010 |  |  |  |  |  |  |  |  |
|  | Ending Balance |
|  | Individually |  |  | Collectively |  |  |  |
|  | Evaluated for |  |  | Evaluated for |  |  |  |
|  | Impairment |  |  | Impairment |  |  | Total |
Commercial and Industrial |  |  |  |  |  |  |  |  |
Commercial |  | $ | 326 |  |  | $ | 3,282 |  |  | $ | 3,608 |
Industrial |  |  | -- |  |  |  | 555 |  |  |  | 555 |
Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial Construction |  |  | 3,496 |  |  |  | 3,165 |  |  |  | 6,661 |
Residential Construction |  |  | -- |  |  |  | 277 |  |  |  | 277 |
Commercial |  |  | 4,216 |  |  |  | 3,555 |  |  |  | 7,771 |
Residential |  |  | 1,799 |  |  |  | 2,642 |  |  |  | 4,441 |
Farmland |  |  | -- |  |  |  | 832 |  |  |  | 832 |
Consumer and Other |  |  |  |  |  |  |  |  |  |  |  |
Consumer |  |  | 74 |  |  |  | 2,424 |  |  |  | 2,498 |
Other |  |  | 358 |  |  |  | 753 |  |  |  | 1,111 |
Total End of Period Allowance Balance |  | $ | 10,269 |  |  | $ | 17,485 |  |  | $ | 27,754 |
Total End of Period Loan Balance |  | $ | 96,486 |  |  | $ | 753,497 |  |  | $ | 849,983 |

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- Definition The entire disclosure for allowance for loan and lease losses, which represents the reserve to cover probable credit losses related to specifically identified loans and leases, as well as probable credit losses inherent in the remainder of the loan portfolio as of the balance sheet date. For banks, include currently required allocated transfer risk reserves. Include carryover of or adjustments to the allowance for loan losses in connection with business combinations determined to be appropriate. + Details
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