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Allowance For Loan Losses (Tables)

12 Months Ended

Dec. 31, 2012

Allowance For Loan Losses [Abstract]

Changes In Allowance For Loan Losses

					December 31,
		2012			2011			2010
					(in thousands)
Balance, beginning	$	8,743		$	7,111		$	5,970
Provision charged to operating expense		1,660			3,750			6,325
Recoveries added to the allowance		337			848			291
Loan losses charged to the allowance		(4,163	)		(2,966	)		(5,475	)
Balance, ending	$	6,577		$	8,743		$	7,111

Nonaccrual And Past Due Loans By Class

								As of December 31, 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	$	822	$	225	$	-	$	1,047	$	20,593	$	21,640	$	-	$	230
Commercial Real Estate:
Owner Occupied		610		374		90		1,074		84,090		85,164		-		90
Non-owner occupied		234		582		-		816		38,402		39,218		-		209
Construction and Farmland:
Residential		-		-		-		-		9,706		9,706		-		-
Commercial		93		44		-		137		28,033		28,170		-		131
Consumer:
Installment		116		10		9		135		13,172		13,307		9		-
Residential:
Equity Lines		109		-		-		109		31,593		31,702		-		287
Single family		4,059		733		524		5,316		177,601		182,917		199		1,467
Multifamily		-		-		-		-		2,808		2,808		-		-
All Other Loans		-		-		-		-		3,465		3,465		-		-
Total	$	6,043	$	1,968	$	623	$	8,634	$	409,463	$	418,097	$	208	$	2,414

								As of December 31, 2011
								(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	$	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

					A s o f a nd fo r the Ye a r Ende d D e c e m be r 3 1, 2 0 12
					(in tho us a nds )
	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		(1,313	)		(1,381	)		(1,118	)		(207	)		(116	)		(28	)		-			(4,163	)
Reco veries		4			67			146			36			73			11			-			337
P ro vis io n		(29	)		590			1,097			(26	)		19			16			(7	)		1,660
Ending balance	$	1,280		$	2,820		$	1,182		$	880		$	107		$	122		$	186		$	6,577
Ending balance: Individually
evaluated fo r impairment	$	141		$	1,176		$	305		$	737		$	-		$	-		$	-		$	2,359
Ending balance: co llectively
evaluated fo r impairment	$	1,139		$	1,644		$	877		$	143		$	107		$	122		$	186		$	4,218
F ina nc ing re c e iv a ble s :
Ending balance	$	37,876		$	217,427		$	124,382		$	21,640		$	13,307		$	3,465		$	-		$	418,097
Ending balance individually
evaluated fo r impairment	$	1,326		$	7,695		$	5,246		$	985		$	-		$	-		$	-		$	15,252
Ending balance co llectively evaluated
fo r impairment	$	36,550		$	209,732		$	119,136		$	20,655		$	13,307		$	3,465		$	-		$	402,845

						A s o f a nd fo r the Ye a r Ende d D e c e m be r 3 1, 2 0 11
						(in tho us a nds )
		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 December 31, 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		1,632		1,636		-		2,323		130
Non-owner occupied		2,290		2,296		-		2,378		147
Construction and Farmland:
Residential		-		-		-		-		-
Commercial		1,102		1,103		-		1,159		18
Residential:
Equity lines		287		287		-		469		1
Single family		4,406		4,417		-		5,683		210
Multifamily		-		-		-		-		-
Other Loans		-		-		-		-		-
	$	9,717	$	9,739	$	-	$	12,012	$	506
With an allowance recorded:
Commercial - Non Real Estate:
Commercial & Industrial	$	985	$	994	$	737	$	1,062	$	53
Commercial Real Estate:
Owner Occupied		-		-		-		-		-
Non-owner occupied		1,324		1,327		305		1,337		38
Construction and Farmland:
Residential		-		-		-		-		-
Commercial		224		225		141		227		9
Residential:
Equity lines		358		359		252		366		12
Single family		2,644		2,652		924		2,674		125
Multifamily		-		-		-		-		-
Other Loans		-		-		-		-		-
	$	5,535	$	5,557	$	2,359	$	5,666	$	237
Total:
Commercial	$	985	$	994	$	737	$	1,062	$	53
Commercial Real Estate		5,246		5,259		305		6,038		315
Construction and Farmland		1,326		1,328		141		1,386		27
Residential		7,695		7,715		1,176		9,192		348
Other		-		-		-		-		-
Total	$	15,252	$	15,296	$	2,359	$	17,678	$	743

				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		-		-		-		-		-
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

A s o f D e c e m be r 3 1, 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	$	0	$	0	$	0	$	0	$	0	$	0	$	0
Co mmercial Real Es tate:
Owner Occupied		0		0		0		0		0		0		0
No n-o wner o ccupied		0		0		0		0		0		0		0
Co ns tructio n and Farmland:
Res idential		0		0		0		0		0		0		0
Co mmercial		0		0		0		0		0		0		0
Res idential:
Equity Lines		0		0		0		0		0		0		0
Single family		0		0		0		0		0		0		0
Multifamily		0		0		0		0		0		0		0
All o ther lo ans		0		0		0		0		0		0		0
To tal	$	0	$	0	$	0	$	0	$	0	$	0	$	0

		P erfo rming		No nperfo rming
Co ns umer Credit Expo s ure by
P ayment Activity	$	0	$	0

	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

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