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Loans And Related Allowances For Loan Losses (Tables)

9 Months Ended

Sep. 30, 2013

Loans and Related Allowances for Loan Losses [Abstract]

Primary Segments Of The Loan Portfolio [Table Text Block]

(in thousands)	Commercial Real Estate		Acquisition and Development		Commercial and Industrial		Residential Mortgage		Consumer		Total
September 30, 2013
Total loans	$	283,166	$	115,132	$	59,986	$	352,227	$	25,697	$	836,208
Individually evaluated for impairment	$	11,881	$	17,637	$	2,252	$	7,259	$	41	$	39,070
Collectively evaluated for impairment	$	271,285	$	97,495	$	57,734	$	344,968	$	25,656	$	797,138
December 31, 2012
Total loans	$	298,851	$	128,391	$	69,013	$	346,919	$	31,655	$	874,829
Individually evaluated for impairment	$	15,941	$	24,112	$	3,449	$	4,304	$	36	$	47,842
Collectively evaluated for impairment	$	282,910	$	104,279	$	65,564	$	342,615	$	31,619	$	826,987

Classes Of The Loan Portfolio Summarized By The Aggregate Risk Rating [Table Text Block]

The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention and Substandard within the internal risk rating system as of September 30, 2013 and December 31, 2012:

(in thousands)	Pass		Special Mention		Substandard		Total
September 30, 2013
Commercial real estate
Non owner-occupied	$	104,963	$	9,309	$	25,926	$	140,198
All other CRE		113,496		8,929		20,543		142,968
Acquisition and development
1-4 family residential construction		9,429		0		5,111		14,540
All other A&D		74,190		1,831		24,571		100,592
Commercial and industrial		55,394		517		4,075		59,986
Residential mortgage
Residential mortgage - term		262,095		1,044		11,646		274,785
Residential mortgage - home equity		74,980		575		1,887		77,442
Consumer		25,440		16		241		25,697
Total	$	719,987	$	22,221	$	94,000	$	836,208
December 31, 2012
Commercial real estate
Non owner-occupied	$	126,230	$	6,464	$	18,840	$	151,534
All other CRE		110,365		9,072		27,880		147,317
Acquisition and development
1-4 family residential construction		9,284		1,101		5,967		16,352
All other A&D		79,136		1,073		31,830		112,039
Commercial and industrial		60,234		2,029		6,750		69,013
Residential mortgage
Residential mortgage - term		255,993		751		11,885		268,629
Residential mortgage - home equity		75,935		195		2,160		78,290
Consumer		31,376		22		257		31,655
Total	$	748,553	$	20,707	$	105,569	$	874,829

Loan Portfolio Summarized By The Past Due Status [Table Text Block]

The following table presents the classes of the loan portfolio summarized by the aging categories of performing loans and non-accrual loans as of September 30, 2013 and December 31, 2012:

(in thousands)	Current		30-59 Days Past Due		60-89 Days Past Due		90 Days+ Past Due		Total Past Due and Accruing		Non-Accrual		Total Loans
September 30, 2013
Commercial real estate
Non owner-occupied	$	138,856	$	439	$	133	$	212	$	784	$	558	$	140,198
All other CRE		135,892		659		2,348		0		3,007		4,069		142,968
Acquisition and development
1-4 family residential construction		12,967		0		0		0		0		1,573		14,540
All other A&D		91,922		3,385		446		0		3,831		4,839		100,592
Commercial and industrial		59,754		4		56		21		81		151		59,986
Residential mortgage
Residential mortgage - term		267,548		803		2,468		424		3,695		3,542		274,785
Residential mortgage - home equity		76,185		692		297		194		1,183		74		77,442
Consumer		25,007		385		205		59		649		41		25,697
Total	$	808,131	$	6,367	$	5,953	$	910	$	13,230	$	14,847	$	836,208
December 31, 2012
Commercial real estate
Non owner-occupied	$	146,796	$	321	$	64	$	0	$	385	$	4,353	$	151,534
All other CRE		143,108		2,368		0		0		2,368		1,841		147,317
Acquisition and development
1-4 family residential construction		16,280		61		0		0		61		11		16,352
All other A&D		100,232		619		221		200		1,040		10,767		112,039
Commercial and industrial		68,228		580		29		0		609		176		69,013
Residential mortgage
Residential mortgage - term		251,673		7,446		5,244		1,639		14,329		2,627		268,629
Residential mortgage - home equity		77,224		583		130		249		962		104		78,290
Consumer		30,434		800		327		58		1,185		36		31,655
Total	$	833,975	$	12,778	$	6,015	$	2,146	$	20,939	$	19,915	$	874,829

Primary Segments Of The Allowance For Loan Loss [Table Text Block]

(in thousands)	Commercial Real Estate		Acquisition and Development		Commercial and Industrial		Residential Mortgage		Consumer		Total
September 30, 2013
Total ALL	$	4,468	$	5,281	$	738	$	4,362	$	302	$	15,151
Individually evaluated for impairment	$	37	$	2,928	$	0	$	78	$	0	$	3,043
Collectively evaluated for impairment	$	4,431	$	2,353	$	738	$	4,284	$	302	$	12,108
December 31, 2012
Total ALL	$	5,206	$	5,029	$	906	$	4,507	$	399	$	16,047
Individually evaluated for impairment	$	126	$	1,506	$	0	$	0	$	0	$	1,632
Collectively evaluated for impairment	$	5,080	$	3,523	$	906	$	4,507	$	399	$	14,415

Impaired Loans And Related Interest Income By Loan Portfolio Class [Table Text Block]

The following table presents impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary as of September 30, 2013 and December 31, 2012:

						Impaired
						Loans with No
		Impaired Loans with				Specific
		Specific Allowance				Allowance		Total Impaired Loans
										Unpaid
		Recorded		Related		Recorded		Recorded		Principal
(in thousands)		Investment		Allowances		Investment		Investment		Balance
September 30, 2013
Commercial real estate
Non owner-occupied	$	260	$	37	$	802	$	1,062	$	1,074
All other CRE		0		0		10,819		10,819		10,947
Acquisition and development
1-4 family residential construction		3,199		649		48		3,247		3,335
All other A&D		7,269		2,279		7,121		14,390		18,674
Commercial and industrial		0		0		2,252		2,252		2,252
Residential mortgage
Residential mortgage - term		706		78		6,034		6,740		7,224
Residential mortgage – home equity		0		0		519		519		519
Consumer		0		0		41		41		59
Total impaired loans	$	11,434	$	3,043	$	27,636	$	39,070	$	44,084
December 31, 2012
Commercial real estate
Non owner-occupied	$	0	$	0	$	5,309	$	5,309	$	7,929
All other CRE		1,019		126		9,613		10,632		10,785
Acquisition and development
1-4 family residential construction		2,052		471		10		2,062		2,062
All other A&D		5,410		1,035		16,640		22,050		26,232
Commercial and industrial		0		0		3,449		3,449		3,449
Residential mortgage
Residential mortgage - term		0		0		3,755		3,755		4,086
Residential mortgage – home equity		0		0		549		549		549
Consumer		0		0		36		36		36
Total impaired loans	$	8,481	$	1,632	$	39,361	$	47,842	$	55,128

Allowance For Loan Losses Summarized By Loan Portfolio Segments [Table Text Block]

(in thousands)	Commercial Real Estate		Acquisition and Development		Commercial and Industrial		Residential Mortgage		Consumer		Total
ALL balance at January 1, 2013	$	5,206	$	5,029	$	906	$	4,507	$	399	$	16,047
Charge-offs		(233)		(276)		(1,051)		(317)		(375)		(2,252)
Recoveries		1,004		33		68		154		258		1,517
Provision		(1,509)		495		815		18		20		(161)
ALL balance at September 30, 2013	$	4,468	$	5,281	$	738	$	4,362	$	302	$	15,151
ALL balance at January 1, 2012	$	6,218	$	7,190	$	2,190	$	3,430	$	452	$	19,480
Charge-offs		(2,280)		(768)		(9,217)		(1,029)		(522)		(13,816)
Recoveries		58		413		445		161		332		1,409
Provision		2,025		(1,200)		7,159		1,186		106		9,276
ALL balance at September 30, 2012	$	6,021	$	5,635	$	577	$	3,748	$	368	$	16,349

(in thousands)	Commercial Real Estate		Acquisition and Development		Commercial and Industrial		Residential Mortgage		Consumer		Total
ALL balance at July 1, 2013	$	5,261	$	4,875	$	753	$	4,304	$	329	$	15,522
Charge-offs		(49)		(14)		(47)		(61)		(100)		(271)
Recoveries		877		12		17		35		66		1,007
Provision		(1,621)		408		15		84		7		(1,107)
ALL balance at September 30, 2013	$	4,468	$	5,281	$	738	$	4,362	$	302	$	15,151
ALL balance at July 1, 2012	$	5,856	$	6,209	$	860	$	3,457	$	388	$	16,770
Charge-offs		0		(98)		(76)		(364)		(175)		(713)
Recoveries		0		10		113		38		91		252
Provision		165		(486)		(320)		617		64		40
ALL balance at September 30, 2012	$	6,021	$	5,635	$	577	$	3,748	$	368	$	16,349

Average Of Impaired Loans And Related Interest Income By Loan Portfolio Class [Table Text Block]

The following tables present the average recorded investment in impaired loans by class and related interest income recognized for the periods indicated:

	Nine months ended						Nine months ended
	September 30, 2013						September 30, 2012
			Interest		Interest				Interest		Interest
			income		income				income		income
			recognized		recognized				recognized		recognized
	Average		on an		on a cash		Average		on an		on a cash
(in thousands)	investment		accrual basis		basis		investment		accrual basis		basis
Commercial real estate
Non owner-occupied	$	4,161	$	33	$	1,454	$	7,720	$	22	$	0
All other CRE		10,698		261		46		9,073		220		0
Acquisition and development
1-4 family residential construction		3,033		59		0		2,295		67		0
All other A&D		18,614		394		575		24,510		327		0
Commercial and industrial		2,844		88		0		6,322		111		0
Residential mortgage
Residential mortgage - term		4,816		56		7		5,007		93		38
Residential mortgage – home equity		555		18		0		898		11		7
Consumer		75		0		0		48		0		0
Total	$	44,796	$	909	$	2,082	$	55,873	$	851	$	45

	Three months ended						Three months ended
	September 30, 2013						September 30, 2012
			Interest		Interest				Interest		Interest
			income		income				income		income
			recognized		recognized				recognized		recognized
	Average		on an		on a cash		Average		on an		on a cash
(in thousands)	investment		accrual basis		basis		investment		accrual basis		basis
Commercial real estate
Non owner-occupied	$	3,048	$	10	$	1,454	$	6,540	$	10	$	0
All other CRE		10,704		83		0		10,010		86		0
Acquisition and development
1-4 family residential construction		3,237		17		0		2,127		21		0
All other A&D		15,879		125		272		25,897		120		0
Commercial and industrial		2,257		22		0		4,130		39		0
Residential mortgage
Residential mortgage - term		5,684		23		5		5,020		26		2
Residential mortgage – home equity		536		6		0		739		4		4
Consumer		74		0		0		47		0		0
Total	$	41,419	$	286	$	1,731	$	54,510	$	306	$	6

Modification of Troubled Debt Restructuring By Class [Table Text Block]

The following table presents the volume and recorded investment at the time of modification of TDRs by class and type of modification that occurred during the periods indicated:

	Temporary Rate						Modification of Payment
	Modification			Extension of Maturity			and Other Terms
	Number of	Recorded		Number of	Recorded		Number of	Recorded
(in thousands)	Contracts	Investment		Contracts	Investment		Contracts	Investment
Nine months ended September 30, 2013
Commercial real estate
Non owner-occupied	0	$	0	2	$	268	0	$	0
All other CRE	0		0	0		0	0		0
Acquisition and development
1-4 family residential construction	0		0	0		0	0		0
All other A&D	0		0	4		567	0		0
Commercial and industrial	0		0	0		0	0		0
Residential mortgage
Residential mortgage – term	1		172	0		0	0		0
Residential mortgage – home equity	0		0	0		0	0		0
Consumer	0		0	0		0	0		0
Total	1	$	172	6	$	835	0	$	0

The Corporation had no new TDRs during the three months ended September 30, 2013.

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