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Allowance For Loan Losses (Tables)

3 Months Ended

Mar. 31, 2013

Allowance For Loan Losses [Abstract]

Changes In Allowance For Loan Losses

		Three Months Ended			Year Ended			Three Months Ended
		March 31,			December 31,			March 31,
		2013			2012			2012
					(in thousands)
Balance, beginning	$	6,577		$	8,743		$	8,743
Provision charged to operating expense		383			1,660			300
Recoveries added to the allowance		42			337			81
Loan losses charged to the allowance		(42	)		(4,163	)		(237	)
Balance, ending	$	6,960		$	6,577		$	8,887

Nonaccrual And Past Due Loans By Class

								March 31, 2013
								(in thousands)
														90 or More
		30 - 59		60 - 89		90 or More								Days Past
		Days		Days		Days		Total Past						Due Still		Nonaccrual
		Past Due		Past Due		Past Due		Due		Current		Total Loans		Accruing		Loans
Commercial - Non Real Estate:
Commercial & Industrial	$	35	$	—	$	549	$	584	$	20,813	$	21,397	$	319	$	230
Commercial Real Estate:
Owner Occupied		1,009		252		—		1,261		90,451		91,712		—		85
Non-owner occupied		1,166		576		—		1,742		42,381		44,123		—		203
Construction and Farmland:
Residential		99		—		—		99		4,617		4,716		—		—
Commercial		92		—		—		92		26,643		26,735		—		125
Consumer:
Installment		144		17		3		164		12,999		13,163		3		—
Residential:
Equity
Lines		825		40		65		930		30,496		31,426		65		278
Single
family		4,230		1,402		375		6,007		178,228		184,235		244		1,796
Multifamily		—		—		—		—		2,812		2,812		—		—
All Other Loans		—		—		—		—		3,531		3,531		—		—
Total	$	7,600	$	2,287	$	992	$	10,879	$	412,971	$	423,850	$	631	$	2,717

								December 31, 2012
								(in thousands)
														90 or More
		30 - 59		60 - 89		90 or More								Past Due
		Days		Days		Days		Total Past						Still		Nonaccrual
		Past Due		Past Due		Past Due		Due		Current		Total Loans		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

Allowance For Loan Losses By Segment

								As of and for the Three Months Ended
											March 31, 2013
											(in thousands)
		Construction			Residential			Commercial									All Other
		and Farmland			Real Estate			Real Estate		Commercial				Consumer			Loans			Unallocated		Total
Allowance for credit losses:
Beginning Balance	$	1,280		$	2,820		$	1,182		$	880		$	107		$	122		$	186	$	6,577
Charge-Offs		—			—			—			(14	)		(23	)		(5	)		—		(42	)
Recoveries		1			3			1			16			17			4			—		42
Provision		(428	)		(26	)		62			(111	)		(12	)		13			885		383
Ending balance	$	853		$	2,797		$	1,245		$	771		$	89		$	134		$	1,071	$	6,960
evaluated Ending balance: for impairmentIndividually	$	139		$	1,179		$	298		$	630		$	—		$	—		$	—	$	2,246
evaluated Ending balance: for impairmentcollectively	$	714		$	1,618		$	947		$	141		$	89		$	134		$	1,071	$	4,714
Financing receivables:
Ending balance	$	31,451		$	218,473		$	135,835	$	21,397			$	13,163		$	3,531		$	—	$	423,850
Ending balance individually
evaluated for impairment	$	1,308		$	7,777		$	5,064		$	868		$	—		$	—		$	—	$	15,017
Ending balance collectively
evaluated for impairment	$	30,143		$	210,696		$	130,771	$	20,529			$	13,163		$	3,531		$	—	$	408,833

								As of and for the Twelve Months Ended
											December 31, 2012
											(in thousands)
		Construction			Residential			Commercial									All Other
		and Farmland			Real Estate			Real Estate		Commercial				Consumer			Loans			Unallocated			Total
Allowance for credit losses:
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	)
Recoveries		4			67			146			36			73			11			—			337
Provision		(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 for impairment	$	141		$	1,176		$	305		$	737		$	—		$	—		$	—		$	2,359
Ending balance: collectively
evaluated for impairment	$	1,139		$	1,644		$	877		$	143		$	107		$	122		$	186		$	4,218
Financing receivables:
Ending balance	$	37,876		$	217,427		$	124,382		$	21,640		$	13,307		$	3,465		$	—		$	418,097
Ending balance individually
evaluated for impairment	$	1,326		$	7,695		$	5,246		$	985		$	—		$	—		$	—		$	15,252
Ending balance collectively
evaluated for impairment	$	36,550		$	209,732		$	119,136		$	20,655		$	13,307		$	3,465		$	—		$	402,845

Impaired Loans By Class

						As of
						March 31, 2013
						(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		1,475		1,478		—		1,691		19
Non-owner occupied		2,274		2,278		—		2,347		30
Construction and Farmland:
Residential		—		—		—		—		—
Commercial		1,085		1,087		—		1,111		9
Residential:
Equity lines		463		463		—		648		1
Single family		3,911		3,920		—		5,079		27
Multifamily		—		—		—		—		—
Other Loans		—		—		—		—		—
	$	9,208	$	9,226	$	—	$	10,876	$	86
With an allowance recorded:
Commercial - Non Real Estate:
Commercial & Industrial	$	868	$	877	$	630	$	963	$	11
Commercial Real Estate:
Owner Occupied		—		—		—		—		—
Non-owner occupied		1,315		1,318		298		1,322		18
Construction and Farmland:
Residential		—		—		—		—		—
Commercial		223		224		139		225		2
Residential:
Equity lines		218		219		218		216		1
Single family		3,185		3,195		961		3,202		37
Multifamily		—		—		—		—		—
Other Loans		—		—		—		—		—
	$	5,809	$	5,833	$	2,246	$	5,928	$	69
Total:
Commercial	$	868	$	877	$	630	$	963	$	11
Commercial Real Estate		5,064		5,074		298		5,360		67
Construction and Farmland		1,308		1,311		139		1,336		11
Residential		7,777		7,797		1,179		9,145		66
Other		—		—		—		—		—
Total	$	15,017	$	15,059	$	2,246	$	16,804	$	155

						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

Credit Quality Information By Class

								As of
								March 31, 2013
								(in thousands)
						Special
INTERNAL RISK RATING GRADES		Pass		Watch		Mention		Substandard		Doubtful		Loss		Total
Commercial - Non Real Estate:
Commercial & Industrial	$	16,039	$	2,197	$	1,007	$	1,924	$	230	$	—	$	21,397
Commercial Real Estate:
Owner Occupied		79,054		6,700		1,984		3,889		85		—		91,712
Non-owner occupied		29,785		3,508		4,063		6,767		—		—		44,123
Construction and Farmland:
Residential		4,558		158		—		—		—		—		4,716
Commercial		20,143		1,885		349		4,358		—		—		26,735
Residential:
Equity Lines		29,683		564		379		706		94		—		31,426
Single family		150,384		12,285		10,030		10,919		617		—		184,235
Multifamily		1,916		896		—		—		—		—		2,812
All other loans		3,531		—		—		—		—		—		3,531
Total	$	335,093	$	28,193	$	17,812	$	28,563	$	1,026	$	—	$	410,687

		Performing		Nonperforming
Consumer Credit Exposure by Payment Activity	$	12,999	$	164

								As of
								December 31, 2012
								(in thousands)
						Special
INTERNAL RISK RATING GRADES		Pass		Watch		Mention		Substandard		Doubtful		Loss		Total
Commercial - Non Real Estate:
Commercial & Industrial	$	16,132	$	2,289	$	1,099	$	1,891	$	229	$	—	$	21,640
Commercial Real Estate:
Owner Occupied		72,916		6,503		1,737		3,918		90		—		85,164
Non-owner occupied		22,810		5,303		4,332		6,773		—		—		39,218
Construction and Farm land:
Residential		9,548		158		—		—		—		—		9,706
Commercial		21,155		1,777		854		4,384		—		—		28,170
Residential:
Equity Lines		30,165		426		172		843		96		—		31,702
Single family		148,904		12,048		10,672		10,780		513		—		182,917
Multifamily		1,905		903		—		—		—		—		2,808
All other loans		3,465		—		—		—		—		—		3,465
Total	$	327,000	$	29,407	$	18,866	$	28,589	$	928	$	—	$	404,790

		Performing		Nonperforming
Consumer Credit Exposure by Payment Activity	$	13,172	$	135

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Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

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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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Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.

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