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Allowance For Loan Losses (Tables)

6 Months Ended

Jun. 30, 2012

Allowance For Loan Losses [Abstract]

Changes In Allowance For Loan Losses

	Six Months Ended June 30, 2012			Year Ended December 31, 2011			Six Months Ended June 30, 2011
	(in thousands)
Balance, beginning	$	8,743		$	7,111		$	7,111
Provision charged to operating expense		600			3,750			1,800
Recoveries added to the allowance		131			848			452
Loan losses charged to the allowance		(846	)		(2,966	)		(1,529	)
Balance, ending	$	8,628		$	8,743		$	7,834

Nonaccrual And Past Due Loans By Class

	As of June 30, 2012 (in thousands)
	30 - 59 Days Past Due		60 - 89 Days Past Due		90 or More Days Past Due		Total Past Due		Current		Total Loans		90 or More Days Past Due Still Accruing		Nonaccrual Loans
Commercial - Non Real Estate:
Commercial & Industrial	$	424	$	15	$	2	$	441	$	21,890	$	22,331	$	2	$	-
Commercial Real Estate:
Owner Occupied		380		1,051		99		1,530		91,030		92,560		-		384
Non-owner occupied		1,076		139		-		1,215		36,462		37,677		-		139
Construction and Farmland:
Residential		-		-		-		-		11,312		11,312		-		-
Commercial		210		105		162		477		28,288		28,765		162		144
Consumer:
Installment		83		16		-		99		12,912		13,011		-		-
Residential:
Equity Lines		331		-		-		331		32,827		33,158		-		420
Single family		2,491		249		-		2,740		179,511		182,251		-		605
Multifamily		-		-		-		-		4,215		4,215		-		-
All Other Loans		-		-		-		-		3,225		3,225		-		-
Total	$	4,995	$	1,575	$	263	$	6,833	$	421,672	$	428,505	$	164	$	1,692

	As of December 31, 2011 (in thousands)
	30 - 59 Days Past Due		60 - 89 Days Past Due		90 or More Days Past Due		Total Past Due		Current		Total Loans		90 or More Past Due Still Accruing		Nonaccrual Loans
Commercial - Non Real Estate:
Commercial & Industrial	$	114	$	421	$	-	$	535	$	22,331	$	22,866	$	-	$	-
Commercial Real Estate:
Owner Occupied		174		9		447		630		82,476		83,106		-		600
Non-owner occupied		873		1,102		-		1,975		32,962		34,937		-		234
Construction and Farmland:
Residential		-		-		-		-		10,594		10,594		-		151
Commercial		-		-		-		-		24,375		24,375		-		-
Consumer:
Installment		114		13		5		132		13,053		13,185		5		-
Residential:
Equity Lines		217		30		-		247		33,182		33,429		-		177
Single family		2,187		194		717		3,098		176,111		179,209		89		1,287
Multifamily		-		-		-		-		4,517		4,517		-		-
All Other Loans		-		-		-		-		4,206		4,206		-		-
Total	$	3,679	$	1,769	$	1,169	$	6,617	$	403,807	$	410,424	$	94	$	2,449

Allowance For Loan Losses By Segment

As of and for the Six Months Ended June 30, 2012 (in thousands )
	Co nstruction and Farmland		Residential Real Estate			Commercial Real Estate			Commercial			Consumer			All Other Loans			Unallocated		Total
Allowa nce for credit losses :
Beginning Balance	$	2,618	$	3,544		$	1,057		$	1,077		$	131		$	123		$	193	$	8,743
Charge-Offs		-		(436	)		(278	)		(46	)		(76	)		(10	)		-		(846	)
Recoveries		1		57			1			25			42			5			-		131
Provision		56		(152	)		738			(279	)		23			(11	)		225		600
Ending balance	$	2,675	$	3,013		$	1,518		$	777		$	120		$	107		$	418	$	8,628
Ending balance: Individually evaluated for impairment	$	1,430	$	1,582		$	294		$	247		$	-		$	-		$	-	$	3,553
Ending balance: collectively evaluated for impairment	$	1,245	$	1,431		$	1,224		$	530		$	120		$	107		$	418	$	5,075
F inancing rece ivables:
Ending balance	$	40,077	$	219,624		$	130,237		$	22,331		$	13,011		$	3,225		$	-	$	428,505
Ending balance individually evaluated for impairment	$	3,347	$	8,278		$	6,037		$	247		$	-		$	-		$	-	$	17,909
Ending balance collectively evaluated for impairment	$	36,730	$	211,346		$	124,200		$	22,084		$	13,011		$	3,225		$	-	$	410,596

	As of and for the Twelve Months Ended Decembe r 31, 2011 (in thousands)
	Construction and Farmland			Residential Real Estate			C mmercial Real Estate			Commercial			Consumer			All Other Loans			Unallocated		Total
Allowa nce for credit losses:
Beginning Balance	$	1,386		$	3,457		$	1,231		$	819		$	182		$	36		$	-	$	7,111
Charge-Offs		(721	)		(1,203	)		(14	)		(572	)		(331	)		(125	)		-		(2,966	)
Recoveries		5			298			2			292			195			56			-		848
Provision		1,948			992			(162	)		538			85			156			193		3,750
Ending balance	$	2,618		$	3,544		$	1,057		$	1,077		$	131		$	123		$	193	$	8,743
Ending balance: Individually evaluated for impairment	$	1,468		$	2,071		$	150		$	544		$	-		$	-		$	-	$	4,233
Ending balance: collectively evaluated for impairment	$	1,150		$	1,473		$	907		$	533		$	131		$	123		$	193	$	4,510
F inancing receivables:
Ending balance	$	34,969		$	217,155		$	118,043		$	22,866		$	13,185		$	4,206		$	-	$	410,424
Ending balance individually evaluated for impairment	$	3,357		$	9,748		$	6,186		$	599		$	-		$	-		$	-	$	19,890
Ending balance collectively evaluated for impairment	$	31,612		$	207,407		$	111,857		$	22,267		$	13,185		$	4,206		$	-	$	390,534

Impaired Loans By Class

As of June 30, 2012 (in thousands)
	Unpaid Principal Balance		Recorded Investment		Related Allowance		Average Recorded Investment		Interest Income Recognized
With no related allowance:
Commercial - Non Real Estate:
Commercial & Industrial	$	-	$	-	$	-	$	-	$	-
Commercial Real Estate:
Owner Occupied		2,454		2,462		-		2,675		68
Non-owner occupied		2,248		2,254		-		2,382		72
Construction and Farmland:
Residential		-		-		-		-		-
Commercial		353		353		-		362		4
Residential
Equity lines		171		171		-		189		-
Single family		3,871		3,881		-		4,186		73
Multifamily		-		-		-		-		-
Other Loans		-		-		-		-		-
	$	9,097	$	9,121	$	-	$	9,794	$	217
With an allowance recorded:
Commercial - Non Real Estate:
Commercial & Industrial	$	247	$	247	$	247	$	248	$	8
Commercial Real Estate:
Owner Occupied		-		-		-		-		-
Non-owner occupied		1,335		1,338		294		1,345		53
Construction and Farmland:
Residential		-		-		-		-		-
Commercial		2,994		3,015		1,430		3,017		62
Residential
Equity lines		399		399		251		403		2
Single family		3,837		3,847		1,331		3,929		112
Multifamily		-		-		-		-		-
Other Loans		-		-		-		-		-
	$	8,812	$	8,846	$	3,553	$	8,942	$	237
Total:
Commercial	$	247	$	247	$	247	$	248	$	8
Commercial Real Estate		6,037		6,054		294		6,402		193
Construction and Farmland		3,347		3,368		1,430		3,379		66
Residential		8,278		8,298		1,582		8,707		187
Other		-		-		-		-		-
Total	$	17,909	$	17,967	$	3,553	$	18,736	$	454

	As of December 31, 2011 (in thousands)
	Unpaid Principal Balance		Recorded Investment		Related Allowance		Average Recorded Investment		Interest Income Recognized
With no related allowance:
Commercial - Non Real Estate:
Commercial & Industrial	$	5	$	5	$	-	$	2	$	-
Commercial Real Estate:
Owner Occupied		2,521		2,529		-		2,575		132
Non-owner occupied		2,552		2,567		-		2,623		110
Construction and Farmland:
Residential		-		-		-		-		-
Commercial		361		361		-		466		21
Residential:
Equity lines		177		177		-		190		-
Single family		3,237		3,242		-		3,840		97
Multifamily		-		-		-		-		-
Other Loans		-		-		-		-		-
	$	8,853	$	8,881	$	-	$	9,696	$	360
With an allowance recorded:
Commercial - Non Real Estate:
Commercial & Industrial	$	594	$	600	$	544	$	602	$	26
Commercial Real Estate:
Owner Occupied		-		-		-		-		-
Non-owner occupied		1,112		1,124		150		1,128		64
Construction and Farmland:
Residential		-		-		-		-		-
Commercial		2,997		3,006		1,468		3,012		147
Residential:
Equity lines		402		404		325		404		13
Single family		5,932		5,940		1,746		6,029		236
Multifamily		-		-		-		-		-
Other Loans		-		-		-		-		-
	$	11,037	$	11,074	$	4,233	$	11,175	$	486
Total:
Commercial	$	599	$	605	$	544	$	604	$	26
Commercial Real Estate		6,185		6,220		150		6,326		306
Construction and Farmland		3,358		3,367		1,468		3,478		168
Residential		9,748		9,763		2,071		10,463		346
Other		-		-		-		-		-
Total	$	19,890	$	19,955	$	4,233	$	20,871	$	846

Credit Quality Information By Class

As of June 30, 2012 (in thousands)
INTERNAL RISK RATING GRADES	Pass		Watch		Special Mention		Substandard		Doubtful		Loss		Total
Co mmercial - Non Real Estate:
Co mmercial &Indus trial	$	18,074	$	2,510	$	81	$	1,634	$	32	$	-	$	22,331
Co mmercial Real Es tate:
Owner Occupied		74,850		6,798		6,614		4,055		243		-		92,560
No n-o wner o ccupied		23,346		5,656		1,785		6,752		138		-		37,677
Co ns tructio n and Farmland:
Res idential		10,644		-		668		-		-		-		11,312
Co mmercial		19,832		2,032		2,921		3,882		98		-		28,765
Res idential:
Equity Lines		31,777		70		144		918		249		-		33,158
Single family		153,414		6,677		11,034		10,394		732		-		182,251
Multifamily		2,091		2,124		-		-		-		-		4,215
All o ther lo ans		3,225		-		-		-		-		-		3,225
To tal	$	337,253	$	25,867	$	23,247	$	27,635	$	1,492	$	-	$	415,494

	P erfo rming		No nperfo rming
Co ns umer Credit Expo s ure by
P ayment Activity	$	12,912	$	99

	A s o f D e c e m be r 3 1, 2 0 11 (in tho us a nds )
INTERNAL RISK RATING GRADES	P as s		Watch		Special Mentio n		Subs tandard		Do ubtful		Lo s s		To tal
Co mmercial - No n Real Es tate:
Co mmercial &Indus trial	$	16,960	$	2,668	$	991	$	2,215	$	32	$	-	$	22,866
Co mmercial Real Es tate:
Owner Occupied		65,651		6,613		5,759		4,641		442		-		83,106
No n-o wner o ccupied		21,573		6,688		1,330		5,113		233		-		34,937
Co ns tructio n and Farmland:
Res idential		9,839		-		755		-		-		-		10,594
Co mmercial		15,990		1,657		2,595		4,029		104		-		24,375
Res idential:
Equity Lines		31,862		227		355		985		-		-		33,429
Single family		150,520		5,939		10,249		11,134		1,367		-		179,209
Multifamily		2,320		1,230		967		-		-		-		4,517
All o ther lo ans		3,485		-		721		-		-		-		4,206
To tal	$	318,200	$	25,022	$	23,722	$	28,117	$	2,178	$	-	$	397,239

	P erfo rming		No nperfo rming
Co ns umer Credit Expo s ure by
P ayment Activity	$	13,053	$	132

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

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