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Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2013

Allowance for Loan Losses [Abstract]

Transactions in the allowance for loan losses


		(in thousands)
		March 31, 2013				December 31, 2012				March 31, 2012
Balance at beginning of year		$	13,075			$	12,937			$	12,937
Provision charged to (recovery from) operating expense			(250	)			3,555				2,000
Loan recoveries			209				376				125
Loan charge-offs			(278	)			(3,793	)			(1,426	)

Balance at end of period		$	12,756			$	13,075			$	13,636

Allowance by impairment methodology and loans by impairment methodology


		March 31, 2013 (in thousands)
		Construction and Land Development				Secured by 1-4 Family Residential				Other Real Estate				Commercial and Industrial				Consumer and Other Loans				Total
Allowance for loan losses:
Beginning Balance, December 31, 2012		$	2,481			$	3,712			$	6,163			$	608			$	111			$	13,075
Charge-offs			—				(149	)			(82	)			—				(47	)			(278	)
Recoveries			—				2				7				139				61				209
Provision for (recovery of) loan losses			(84	)			134				(263	)			(4	)			(33	)			(250	)

Ending Balance, March 31, 2013		$	2,397			$	3,699			$	5,825			$	743			$	92			$	12,756


Ending Balance:
Individually evaluated for impairment			604				156				903				261				—				1,924
Collectively evaluated for impairment			1,793				3,543				4,922				482				92				10,832

Loans:
Ending Balance			45,783				143,765				162,742				22,743				7,306				382,339

Individually evaluated for impairment			6,098				2,959				7,654				2,509				—				19,220
Collectively evaluated for impairment			39,685				140,806				155,088				20,234				7,306				363,119


		December 31, 2012 (in thousands)
		Construction and Land Development				Secured by 1-4 Family Residential				Other Real Estate				Commercial and Industrial				Consumer and Other Loans				Total
Allowance for loan losses:
Beginning Balance, December 31, 2011		$	2,843			$	3,766			$	5,192			$	963			$	173			$	12,937
Charge-offs			(431	)			(761	)			(2,154	)			(261	)			(186	)			(3,793	)
Recoveries			1				68				64				35				208				376
Provision for (recovery of) loan losses			68				639				3,061				(129	)			(84	)			3,555

Ending Balance, December 31, 2012		$	2,481			$	3,712			$	6,163			$	608			$	111			$	13,075


Ending Balance:
Individually evaluated for impairment			567				306				930				35				—				1,838
Collectively evaluated for impairment			1,914				3,406				5,233				573				111				11,237

Loans:
Ending Balance			43,524				134,964				174,220				23,071				7,815				383,594

Individually evaluated for impairment			2,516				3,776				10,528				160				—				16,980
Collectively evaluated for impairment			41,008				131,188				163,692				22,911				7,815				366,614


		March 31, 2012 (in thousands)
		Commercial and Industrial				Other Real Estate				Construction and Land Development				Secured by 1-4 Family Residential				Consumer and Other Loans				Total
Allowance for loan losses:
Beginning Balance, December 31, 2011		$	963			$	5,192			$	2,843			$	3,766			$	173			$	12,937
Charge-offs			—				(503	)			(369	)			(481	)			(73	)			(1,426	)
Recoveries			5				52				—				2				66				125
Provision for loan losses			(170	)			649				679				854				(12	)			2,000

Ending Balance, March 31, 2012		$	798			$	5,390			$	3,153			$	4,141			$	154			$	13,636


Ending Balance:
Individually evaluated for impairment			134				574				1,062				1,041				—				2,811
Collectively evaluated for impairment			664				4,816				2,091				3,100				154				10,825

Loans:
Ending Balance			29,449				175,738				49,893				125,628				9,686				390,394

Individually evaluated for impairment			481				9,453				5,742				5,946				—				21,622
Collectively evaluated for impairment			28,968				166,285				44,151				119,682				9,686				368,772

Impaired loans and the related allowance


		March 31, 2013 (in thousands)
		Unpaid Principal Balance				Recorded Investment with No Allowance				Recorded Investment with Allowance				Total Recorded Investment				Related Allowance				Average Recorded Investment				Interest Income Recognized
Real estate loans:
Construction and land development		$	6,441			$	4,988			$	1,110			$	6,098			$	604			$	4,244			$	16
Secured by 1-4 family			3,898				1,024				1,935				2,959				156				4,116				23
Other real estate loans			9,443				1,645				6,009				7,654				903				9,151				70
Commercial and industrial			2,510				—				2,509				2,509				261				185				27
Consumer and other loans			—				—				—				—				—				—				—

Total		$	22,292			$	7,657			$	11,563			$	19,220			$	1,924			$	17,696			$	136


		December 31, 2012 (in thousands)
		Unpaid Principal Balance				Recorded Investment with No Allowance				Recorded Investment with Allowance				Total Recorded Investment				Related Allowance				Average Recorded Investment				Interest Income Recognized
Real estate loans:
Construction and land development		$	2,947			$	622			$	1,894			$	2,516			$	567			$	5,691			$	99
Secured by 1-4 family			4,706				1,690				2,086				3,776				306				4,821				163
Other real estate loans			14,861				4,886				5,642				10,528				930				10,148				276
Commercial and industrial			161				—				160				160				35				330				10
Consumer and other loans			—				—				—				—				—				—				—

		$	22,675			$	7,198			$	9,782			$	16,980			$	1,838			$	20,990			$	548