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Allowance For Loan Losses (Tables)

9 Months Ended

Sep. 30, 2012

Allowance For Loan Losses [Abstract]

Changes In Allowance For Loan Losses


		Nine Months Ended			Year Ended			Nine Months Ended
		September 30, 2012			December 31, 2011			September 30, 2011
					(in thousands)

Balance, beginning	$	8,743		$	7,111		$	7,111
Provision charged to operating expense		1,650			3,750			2,850
Recoveries added to the allowance		215			848			568
Loan losses charged to the allowance		(2,647	)		(2,966	)		(2,638	)
Balance, ending	$	7,961		$	8,743		$	7,891

Nonaccrual And Past Due Loans By Class

As of September 30, 2012
								(in thousands)
		30 - 59		60 - 89		90 or More								90 or More
		Days		Days		Days		Total Past						Days Past Due		Nonaccrual
		Past Due		Past Due		Past Due		Due		Current		Total Loans		Still Accruing		Loans

Commercial - Non Real Estate:
Commercial & Industrial	$	53	$	122	$	-	$	175	$	20,111	$	20,286	$	-	$	10
Commercial Real Estate:
Owner occupied		1,145		-		592		1,737		88,974		90,711		-		733
Non-owner occupied		1,176		371		-		1,547		38,014		39,561		-		660
Construction and Farmland:
Residential		-		-		-		-		11,824		11,824		-		-
Commercial		27		-		638		665		28,681		29,346		-		776
Consumer:
Installment		150		31		10		191		13,157		13,348		10		-
Residential:
Equity lines		243		390		-		633		32,141		32,774		-		443
Single family		1,369		1,171		101		2,641		181,078		183,719		-		2,469
Multifamily		-		-		-		-		2,811		2,811		-		-
All Other Loans		50		-		-		50		3,069		3,119		-		-

Total	$	4,213	$	2,085	$	1,341	$	7,639	$	419,860	$	427,499	$	10	$	5,091


	As of December 31, 2011
								(in thousands)
		30 - 59		60 - 89		90 or More								90 or More
		Days		Days		Days		Total Past						Past Due		Nonaccrual
		Past Due		Past Due		Past Due		Due		Current		Total Loans		Still Accruing		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 Nine Months Ended September 30, 2012
		(in thousands )

		Co ns tructio n			Res idential			Co mmercial									All Other
		and Farmland			Real Es tate			Real Es tate			Co mmercial			Co ns umer			Lo ans			Unallo cated			To tal
A llo wa nc e fo r c re dit lo s s e s :

Beginning Balance	$	2,618		$	3,544		$	1,057		$	1,077		$	131		$	123		$	193		$	8,743
Charge-Offs		(1,303	)		(508	)		(660	)		(50	)		(103	)		(23	)		-			(2,647	)
Reco veries		3			60			58			30			57			7			-			215
P ro vis io n		212			361			1,681			(216	)		35			6			(429	)		1,650

Ending balance	$	1,530		$	3,457		$	2,136		$	841		$	120		$	113		$	(236	)	$	7,961

Ending balance: Individually
evaluated fo r impairment	$	141		$	2,005		$	740		$	475		$	-		$	-		$	-		$	3,361

Ending balance: co llectively
evaluated fo r impairment	$	1,389		$	1,452		$	1,396		$	366		$	120		$	113		$	(236	)	$	4,600


F ina nc ing re c e iv a ble s :

Ending balance	$	41,170		$	219,304		$	130,272		$	20,286		$	13,348		$	3,119		$	-		$	427,499

Ending balance individually
evaluated fo r impairment	$	1,982		$	8,823		$	6,220		$	713		$	-		$	-		$	-		$	17,738

Ending balance co llectively evaluated
fo r impairment	$	39,188		$	210,481		$	124,052		$	19,573		$	13,348		$	3,119		$	-		$	409,761


		As of and for the Twe lve Months Ended December 31, 2011
		(in thousands )
		Co ns tructio n			Res idential			Co mmercial									All Other
		and Farmland			Real Es tate			Real Es tate			Co mmercial			Co ns umer			Lo ans			Unallo cated		To tal
A llo wa nc e fo r c re dit lo s s e s :

Beginning Balance	$	1,386		$	3,457		$	1,231		$	819		$	182		$	36		$	-	$	7,111
Charge-Offs		(721	)		(1,203	)		(14	)		(572	)		(331	)		(125	)		-		(2,966	)
Reco veries		5			298			2			292			195			56			-		848
P ro vis io n		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 fo r impairment	$	1,468		$	2,071		$	150		$	544		$	-		$	-		$	-	$	4,233

Ending balance: co llectively
evaluated fo r impairment	$	1,150		$	1,473		$	907		$	533		$	131		$	123		$	193	$	4,510


F ina nc ing re c e iv a ble s :

Ending balance	$	34,969		$	217,155		$	118,043		$	22,866		$	13,185		$	4,206		$	-	$	410,424

Ending balance individually
evaluated fo r impairment	$	3,357		$	9,748		$	6,186		$	599		$	-		$	-		$	-	$	19,890

Ending balance co llectively evaluated
fo r impairment	$	31,612		$	207,407		$	111,857		$	22,267		$	13,185		$	4,206		$	-	$	390,534

Impaired Loans By Class

As of September 30, 2012
	(in thousands)
		Unpaid						Average		Interest
		Principal		Recorded		Related		Recorded		Income
		Balance		Investment	Allowance			Investment		Recognized

With no related allowance:
Commercial - Non Real Estate:
Commercial & Industrial	$	-	$	-	$	-	$	-	$	-
Commercial Real Estate:
Owner occupied		2,129		2,134		-		3,224		110
Non-owner occupied		2,121		2,127		-		2,139		102
Construction and Farmland:
Residential		-		-		-		-		-
Commercial		1,757		1,759		-		2,423		38
Residential:
Equity lines		167		167		-		189		-
Single family		3,847		3,856		-		4,164		108
Multifamily		-		-		-		-		-
All Other Loans		-		-		-		-		-
	$	10,021	$	10,043	$	-	$	12,139	$	358

With an allowance recorded:
Commercial - Non Real Estate:
Commercial & Industrial	$	713	$	718	$	475	$	744	$	31
Commercial Real Estate:
Owner occupied		-		-		-		-		-
Non-owner occupied		1,970		1,973		740		1,980		37
Construction and Farmland:
Residential		-		-		-		-		-
Commercial		225		226		141		227		7
Residential:
Equity lines		615		617		344		621		8
Single family		4,194		4,202		1,661		4,354		164
Multifamily		-		-		-		-		-
All Other Loans		-		-		-		-		-

	$	7,717	$	7,736	$	3,361	$	7,926	$	247

Total:
Commercial	$	713	$	718	$	475	$	744	$	31
Commercial Real Estate		6,220		6,234		740		7,343		249
Construction and Farmland		1,982		1,985		141		2,650		45
Residential		8,823		8,842		2,005		9,328		280
Other		-		-		-		-		-
Total	$	17,738	$	17,779	$	3,361	$	20,065	$	605

As of December 31, 2011
	(in thousands)
		Unpaid						Average		Interest
		Principal		Recorded		Related		Recorded		Income
		Balance		Investment	Allowance			Investment		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		-		-		-		-		-
All 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		-		-		-		-		-
All 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

A s o f S e pte m be r 3 0 , 2 0 12
	(in tho us a nds )
						Special
INTERNAL RISK RATING GRADES		P as s		Watch		Mentio n	Subs tandard			Do ubtful	Lo s s			To tal

Co mmercial - No n Real Es tate:
Co mmercial &Indus trial	$	15,197	$	2,435	$	599	$	2,055	$	-	$	-	$	20,286
Co mmercial Real Es tate:
Owner Occupied		73,826		6,592		5,776		3,784		733		-		90,711
No n-o wner o ccupied		23,927		5,335		2,085		7,843		371		-		39,561
Co ns tructio n and Farmland:
Res idential		11,416		408		-		-		-		-		11,824
Co mmercial		21,458		2,042		797		4,410		639		-		29,346
Res idential:
Equity Lines		31,150		251		194		931		248		-		32,774
Single family		150,445		9,674		11,496		11,582		522		-		183,719
Multifamily		1,904		907		-		-		-		-		2,811
All o ther lo ans		3,119		-		-		-		-		-		3,119
To tal	$	332,442	$	27,644	$	20,947	$	30,605	$	2,513	$	-	$	414,151


		P erfo rming		No nperfo rming
Co ns umer Credit Expo s ure by
P ayment Activity	$	13,157	$	191


						A s o f D e c e m be r 3 1, 2 0 11
							(in tho us a nds )
						Special
INTERNAL RISK RATING GRADES		P as s		Watch		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