Loans And Related Allowances For Loan Losses (Tables)

3 Months Ended

Mar. 31, 2014

Primary Segments Of The Loan Portfolio [Table Text Block]



(in thousands)	Commercial Real Estate		Acquisition and Development		Commercial and Industrial		Residential Mortgage		Consumer		Total
March 31, 2014
Total loans	$	259,837	$	101,985	$	78,724	$	349,698	$	23,793	$	814,037
Individually evaluated for impairment	$	11,616	$	10,379	$	2,152	$	7,578	$	0	$	31,725
Collectively evaluated for impairment	$	248,221	$	91,606	$	76,572	$	342,120	$	23,793	$	782,312

December 31, 2013
Total loans	$	267,978	$	107,250	$	59,788	$	350,906	$	24,318	$	810,240
Individually evaluated for impairment	$	11,740	$	11,703	$	2,299	$	7,546	$	21	$	33,309
Collectively evaluated for impairment	$	256,238	$	95,547	$	57,489	$	343,360	$	24,297	$	776,931

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 March 31, 2014 and December 31, 2013:


(in thousands)	Pass		Special Mention		Substandard		Total
March 31, 2014
Commercial real estate
Non owner-occupied	$	103,862	$	9,171	$	25,782	$	138,815
All other CRE		90,646		8,392		21,984		121,022
Acquisition and development
1-4 family residential construction		10,095		0		2,070		12,165
All other A&D		70,008		1,744		18,068		89,820
Commercial and industrial		74,879		418		3,427		78,724
Residential mortgage
Residential mortgage - term		262,992		839		11,104		274,935
Residential mortgage - home equity		72,387		469		1,907		74,763
Consumer		23,677		0		116		23,793
Total	$	708,546	$	21,033	$	84,458	$	814,037

December 31, 2013
Commercial real estate
Non owner-occupied	$	103,556	$	9,243	$	24,745	$	137,544
All other CRE		100,461		8,479		21,494		130,434
Acquisition and development
1-4 family residential construction		8,764		0		4,497		13,261
All other A&D		73,198		1,787		19,004		93,989
Commercial and industrial		55,768		140		3,880		59,788
Residential mortgage
Residential mortgage - term		261,735		752		11,980		274,467
Residential mortgage - home equity		73,901		628		1,910		76,439
Consumer		24,143		5		170		24,318
Total	$	701,526	$	21,034	$	87,680	$	810,240

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 March 31, 2014 and December 31, 2013:



(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
March 31, 2014
Commercial real estate
Non owner-occupied	$	137,655	$	0	$	263	$	214	$	477	$	683	$	138,815
All other CRE		114,118		54		204		0		258		6,646		121,022
Acquisition and development
1-4 family residential construction		11,107		46		0		0		46		1,012		12,165
All other A&D		82,459		2,050		112		3		2,165		5,196		89,820
Commercial and industrial		78,323		327		0		33		360		41		78,724
Residential mortgage
Residential mortgage - term		262,620		8,612		676		0		9,288		3,027		274,935
Residential mortgage - home equity		73,500		538		70		117		725		538		74,763
Consumer		23,360		357		68		8		433		0		23,793
Total	$	783,142	$	11,984	$	1,393	$	375	$	13,752	$	17,143	$	814,037
December 31, 2013
Commercial real estate
Non owner-occupied	$	136,462	$	191	$	145	$	65	$	401	$	681	$	137,544
All other CRE		121,985		1,490		207		0		1,697		6,752		130,434
Acquisition and development
1-4 family residential construction		12,018		0		139		0		139		1,104		13,261
All other A&D		88,071		1,075		33		282		1,390		4,528		93,989
Commercial and industrial		59,320		87		57		133		277		191		59,788
Residential mortgage
Residential mortgage - term		259,239		8,258		2,541		634		11,433		3,795		274,467
Residential mortgage - home equity		74,917		656		439		96		1,191		331		76,439
Consumer		23,802		350		128		24		502		14		24,318
Total	$	775,814	$	12,107	$	3,689	$	1,234	$	17,030	$	17,396	$	810,240

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
March 31, 2014
Total ALL	$	3,399	$	3,896	$	1,070	$	3,962	$	245	$	12,572
Individually evaluated for impairment	$	226	$	1,816	$	0	$	0	$	0	$	2,042
Collectively evaluated for impairment	$	3,173	$	2,080	$	1,070	$	3,962	$	245	$	10,530

December 31, 2013
Total ALL	$	4,052	$	4,172	$	766	$	4,320	$	284	$	13,594
Individually evaluated for impairment	$	236	$	1,967	$	0	$	80	$	0	$	2,283
Collectively evaluated for impairment	$	3,816	$	2,205	$	766	$	4,240	$	284	$	11,311

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 March 31, 2014 and December 31, 2013:



		Impaired Loans with Specific Allowance				Impaired Loans with No Specific Allowance		Total Impaired Loans
(in thousands)		Recorded Investment		Related Allowances		Recorded Investment		Recorded Investment		Unpaid Principal Balance
March 31, 2014
Commercial real estate
Non owner-occupied	$	277	$	79	$	922	$	1,199	$	1,209
All other CRE		1,071		147		9,346		10,417		10,545
Acquisition and development
1-4 family residential construction		1,053		308		1,018		2,071		2,319
All other A&D		4,601		1,508		3,707		8,308		13,309
Commercial and industrial		0		0		2,152		2,152		2,152
Residential mortgage
Residential mortgage - term		280		0		6,511		6,791		7,305
Residential mortgage – home equity		0		0		787		787		787
Consumer		0		0		0		0		0
Total impaired loans	$	7,282	$	2,042	$	24,443	$	31,725	$	37,626

December 31, 2013
Commercial real estate
Non owner-occupied	$	257	$	59	$	922	$	1,179	$	1,191
All other CRE		1,080		177		9,481		10,561		10,689
Acquisition and development
1-4 family residential construction		2,651		634		7		2,658		2,704
All other A&D		4,037		1,333		5,008		9,045		13,394
Commercial and industrial		0		0		2,299		2,299		2,299
Residential mortgage
Residential mortgage - term		988		80		5,979		6,967		7,372
Residential mortgage – home equity		0		0		579		579		579
Consumer		0		0		21		21		21
Total impaired loans	$	9,013	$	2,283	$	24,296	$	33,309	$	38,249

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, 2014	$	4,052	$	4,172	$	766	$	4,320	$	284	$	13,594
Charge-offs		(21)		(819)		(152)		(468)		(179)		(1,639)
Recoveries		10		12		3		49		179		253
Provision		(642)		531		453		61		(39)		364
ALL balance at March 31, 2014	$	3,399	$	3,896	$	1,070	$	3,962	$	245	$	12,572

ALL balance at January 1, 2013	$	5,206	$	5,029	$	906	$	4,507	$	399	$	16,047
Charge-offs		0		(4)		(876)		(155)		(143)		(1,178)
Recoveries		100		8		49		31		103		291
Provision		483		(273)		566		100		(11)		865
ALL balance at March 31, 2013	$	5,789	$	4,760	$	645	$	4,483	$	348	$	16,025

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:



	Three months ended						Three months ended
	March 31, 2014						March 31, 2013
(in thousands)	Average investment		Interest income recognized on an accrual basis		Interest income recognized on a cash basis		Average investment		Interest income recognized on an accrual basis		Interest income recognized on a cash basis
Commercial real estate
Non owner-occupied	$	1,189	$	7	$	0	$	5,274	$	12	$	0
All other CRE		10,489		41		1		10,692		89		46
Acquisition and development
1-4 family residential construction		2,365		14		0		2,828		24		0
All other A&D		8,677		61		0		21,350		142		0
Commercial and industrial		2,226		26		2		3,432		35		0
Residential mortgage
Residential mortgage - term		6,879		54		9		3,947		19		2
Residential mortgage – home equity		683		3		1		573		6		0
Consumer		11		0		0		76		0		0
Total	$	32,519	$	206	$	13	$	48,172	$	327	$	48

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

There were 32 loans totaling $17.3 million and 31 loans totaling $17.9 million that were classified as TDRs at March 31, 2014 and December 31, 2013, respectively. The following tables present 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			Extension of Maturity			Modification of Payment and Other Terms
(in thousands)	Number of Contracts	Recorded Investment		Number of Contracts	Recorded Investment		Number of Contracts	Recorded Investment
Three months ended March 31, 2014
Commercial real estate
Non owner-occupied	0	$	0	2	$	277	0	$	0
All other CRE	0		0	0		0	1		454
Acquisition and development
1-4 family residential construction	0		0	0		0	0		0
All other A&D	0		0	0		0	0		0
Commercial and industrial	0		0	0		0	0		0
Residential mortgage
Residential mortgage – term	1		90	0		0	0		0
Residential mortgage – home equity	0		0	0		0	0		0
Consumer	0		0	0		0	0		0
Total	1	$	90	2	$	277	1	$	454


	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
Three months ended March 31, 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	2		252	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	4	$	520	0	$	0

During the three months ended March 31, 2014, there were two new TDRs. In addition, two existing TDRs which had reached their previous modification maturity were re-modified. A $1,055 reduction of the ALL resulted from the movement of one loan being evaluated collectively for impairment to being evaluated individually for impairment. The remaining new TDR was impaired at the time of modification, resulting in no impact to the ALL as a result of the modification. There was no impact to the recorded investment relating to the transfer of these loans.

During the three months ended March 31, 2014, one A&D loan totaling $1.4 million that was modified as a TDR within the previous 12 months was transferred to non-accrual, and is considered a payment default.

During the three months ended March 31, 2013, there were three new TDRs. In addition, two existing TDRs which had reached their original modification maturity were re-modified. An $11,266 reduction of the ALL resulted from the movement of the three new loans being evaluated collectively for impairment to being evaluated individually for impairment. There was no impact to the recorded investment relating to the transfer of these loans. During the quarter ended March 31, 2013, there were no receivables modified as TDRs within the previous 12 months for which there was a payment default during the periods indicated