|
Loans And Related Allowances For Loan Losses (Tables)
|
3 Months Ended |
|
Mar. 31, 2013
|
| Loans and Related Allowances for Loan Losses [Abstract] |
|
| Allowance For Loan Losses Summarized By Loan Portfolio Segments [Table Text Block] |
The following table summarizes the primary segments of the loan portfolio as of March 31, 2013 and December 31, 2012:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(in thousands)
|
Commercial Real Estate
|
Acquisition and Development
|
Commercial and Industrial
|
Residential Mortgage
|
Consumer
|
|
March 31, 2013
|
|
|
|
|
|
|
|
|
|
|
|
Total loans
|
$
|
290,619
|
$
|
124,142
|
$
|
68,380
|
$
|
348,979
|
$
|
27,549
|
|
Individually evaluated for impairment
|
$
|
15,990
|
$
|
24,242
|
$
|
3,415
|
$
|
4,736
|
$
|
116
|
|
Collectively evaluated for impairment
|
$
|
274,629
|
$
|
99,900
|
$
|
64,965
|
$
|
344,243
|
$
|
27,433
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2012
|
|
|
|
|
|
|
|
|
|
|
|
Total loans
|
$
|
298,851
|
$
|
128,391
|
$
|
69,013
|
$
|
346,919
|
$
|
31,655
|
|
Individually evaluated for impairment
|
$
|
15,941
|
$
|
24,112
|
$
|
3,449
|
$
|
4,304
|
$
|
36
|
|
Collectively evaluated for impairment
|
$
|
282,910
|
$
|
104,279
|
$
|
65,564
|
$
|
342,615
|
$
|
31,619
|
|
(in thousands)
|
Commercial Real Estate
|
Acquisition and Development
|
Commercial and Industrial
|
Residential Mortgage
|
Consumer
|
Total
|
|
March 31, 2013
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total ALL
|
$
|
5,789
|
$
|
4,760
|
$
|
645
|
$
|
4,483
|
$
|
348
|
$
|
16,025
|
|
Individually evaluated for impairment
|
$
|
209
|
$
|
2,366
|
$
|
128
|
$
|
78
|
$
|
0
|
$
|
2,781
|
|
Collectively evaluated for impairment
|
$
|
5,580
|
$
|
2,394
|
$
|
517
|
$
|
4,405
|
$
|
348
|
$
|
13,244
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2012
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total ALL
|
$
|
5,206
|
$
|
5,029
|
$
|
906
|
$
|
4,507
|
$
|
399
|
$
|
16,047
|
|
Individually evaluated for impairment
|
$
|
126
|
$
|
1,506
|
$
|
0
|
$
|
0
|
$
|
0
|
$
|
1,632
|
|
Collectively evaluated for impairment
|
$
|
5,080
|
$
|
3,523
|
$
|
906
|
$
|
4,507
|
$
|
399
|
$
|
14,415
|
|
(in thousands)
|
Commercial Real Estate
|
Acquisition and Development
|
Commercial and Industrial
|
Residential Mortgage
|
Consumer
|
Total
|
|
ALL balance at January 1, 2013
|
$
|
5,206
|
$
|
5,029
|
$
|
906
|
$
|
4,507
|
$
|
399
|
$
|
16,047
|
|
Charge-offs
|
|
0
|
|
(4)
|
|
(876)
|
|
(155)
|
|
(143)
|
|
(1,178)
|
|
Recoveries
|
|
100
|
|
8
|
|
49
|
|
31
|
|
103
|
|
291
|
|
Provision
|
|
483
|
|
(273)
|
|
566
|
|
100
|
|
(11)
|
|
865
|
|
ALL balance at March 31, 2013
|
$
|
5,789
|
$
|
4,760
|
$
|
645
|
$
|
4,483
|
$
|
348
|
$
|
16,025
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
ALL balance at January 1, 2012
|
$
|
6,218
|
$
|
7,190
|
$
|
2,190
|
$
|
3,430
|
$
|
452
|
$
|
19,480
|
|
Charge-offs
|
|
(1,161)
|
|
(246)
|
|
(9,091)
|
|
(283)
|
|
(173)
|
|
(10,954)
|
|
Recoveries
|
|
0
|
|
12
|
|
330
|
|
99
|
|
122
|
|
563
|
|
Provision
|
|
1,578
|
|
(1,077)
|
|
7,500
|
|
131
|
|
(8)
|
|
8,124
|
|
ALL balance at March 31, 2012
|
$
|
6,635
|
$
|
5,879
|
$
|
929
|
$
|
3,377
|
$
|
393
|
$
|
17,213
|
|
| Classes Of The Loan Portfolio Summarized By The Aggregate Risk Rating [Table Text Block] |
The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system as of March 31, 2013 and December 31, 2012:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(in thousands)
|
Pass
|
Special Mention
|
Substandard
|
Doubtful
|
Total
|
|
March 31, 2013
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate
|
|
|
|
|
|
|
|
|
|
|
|
Non owner-occupied
|
$
|
125,892
|
$
|
3,705
|
$
|
20,855
|
$
|
0
|
$
|
150,452
|
|
All other CRE
|
|
102,255
|
|
8,995
|
|
28,917
|
|
0
|
|
140,167
|
|
Acquisition and development
|
|
|
|
|
|
|
|
|
|
|
|
1-4 family residential construction
|
|
8,216
|
|
1,096
|
|
5,948
|
|
0
|
|
15,260
|
|
All other A&D
|
|
75,005
|
|
2,185
|
|
31,692
|
|
0
|
|
108,882
|
|
Commercial and industrial
|
|
60,502
|
|
1,973
|
|
5,905
|
|
0
|
|
68,380
|
|
Residential mortgage
|
|
|
|
|
|
|
|
|
|
|
|
Residential mortgage - term
|
|
260,459
|
|
744
|
|
11,171
|
|
0
|
|
272,374
|
|
Residential mortgage - home equity
|
|
74,329
|
|
288
|
|
1,988
|
|
0
|
|
76,605
|
|
Consumer
|
|
27,184
|
|
21
|
|
344
|
|
0
|
|
27,549
|
|
Total
|
$
|
733,842
|
$
|
19,007
|
$
|
106,820
|
$
|
0
|
$
|
859,669
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2012
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate
|
|
|
|
|
|
|
|
|
|
|
|
Non owner-occupied
|
$
|
126,230
|
$
|
6,464
|
$
|
18,840
|
$
|
0
|
$
|
151,534
|
|
All other CRE
|
|
110,365
|
|
9,072
|
|
27,880
|
|
0
|
|
147,317
|
|
Acquisition and development
|
|
|
|
|
|
|
|
|
|
|
|
1-4 family residential construction
|
|
9,284
|
|
1,101
|
|
5,967
|
|
0
|
|
16,352
|
|
All other A&D
|
|
79,136
|
|
1,073
|
|
31,830
|
|
0
|
|
112,039
|
|
Commercial and industrial
|
|
60,234
|
|
2,029
|
|
6,750
|
|
0
|
|
69,013
|
|
Residential mortgage
|
|
|
|
|
|
|
|
|
|
|
|
Residential mortgage - term
|
|
255,993
|
|
751
|
|
11,885
|
|
0
|
|
268,629
|
|
Residential mortgage - home equity
|
|
75,935
|
|
195
|
|
2,160
|
|
0
|
|
78,290
|
|
Consumer
|
|
31,376
|
|
22
|
|
257
|
|
0
|
|
31,655
|
|
Total
|
$
|
748,553
|
$
|
20,707
|
$
|
105,569
|
$
|
0
|
$
|
874,829
|
|
| Loan Portfolio Summarized By The Past Due Status [Table Text Block] |
The following table presents the classes of the loan portfolio summarized by the aging categories of performing loans and non-accrual loans as of March 31, 2013 and December 31, 2012:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(in thousands)
|
Current
|
30-59 Days Past Due
|
60-89 Days Past Due
|
90 Days+ Past Due
|
Total Past Due and Accruing
|
Non-Accrual
|
Total Loans
|
|
March 31, 2013
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Non owner-occupied
|
$
|
145,725
|
$
|
196
|
$
|
172
|
$
|
64
|
$
|
432
|
$
|
4,295
|
$
|
150,452
|
|
All other CRE
|
|
137,933
|
|
140
|
|
0
|
|
0
|
|
140
|
|
2,094
|
|
140,167
|
|
Acquisition and development
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1-4 family residential construction
|
|
13,719
|
|
0
|
|
0
|
|
0
|
|
0
|
|
1,541
|
|
15,260
|
|
All other A&D
|
|
95,480
|
|
2,410
|
|
0
|
|
0
|
|
2,410
|
|
10,992
|
|
108,882
|
|
Commercial and industrial
|
|
67,793
|
|
259
|
|
101
|
|
41
|
|
401
|
|
186
|
|
68,380
|
|
Residential mortgage
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Residential mortgage - term
|
|
257,615
|
|
10,643
|
|
743
|
|
160
|
|
11,546
|
|
3,213
|
|
272,374
|
|
Residential mortgage - home equity
|
|
75,485
|
|
753
|
|
231
|
|
0
|
|
984
|
|
136
|
|
76,605
|
|
Consumer
|
|
26,623
|
|
593
|
|
177
|
|
41
|
|
811
|
|
115
|
|
27,549
|
|
Total
|
$
|
820,373
|
$
|
14,994
|
$
|
1,424
|
$
|
306
|
$
|
16,724
|
$
|
22,572
|
$
|
859,669
|
|
December 31, 2012
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Non owner-occupied
|
$
|
146,796
|
$
|
321
|
$
|
64
|
$
|
0
|
$
|
385
|
$
|
4,353
|
$
|
151,534
|
|
All other CRE
|
|
143,108
|
|
2,368
|
|
0
|
|
0
|
|
2,368
|
|
1,841
|
|
147,317
|
|
Acquisition and development
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1-4 family residential construction
|
|
16,280
|
|
61
|
|
0
|
|
0
|
|
61
|
|
11
|
|
16,352
|
|
All other A&D
|
|
100,232
|
|
619
|
|
221
|
|
200
|
|
1,040
|
|
10,767
|
|
112,039
|
|
Commercial and industrial
|
|
68,228
|
|
580
|
|
29
|
|
0
|
|
609
|
|
176
|
|
69,013
|
|
Residential mortgage
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Residential mortgage - term
|
|
251,673
|
|
7,446
|
|
5,244
|
|
1,639
|
|
14,329
|
|
2,627
|
|
268,629
|
|
Residential mortgage - home equity
|
|
77,224
|
|
583
|
|
130
|
|
249
|
|
962
|
|
104
|
|
78,290
|
|
Consumer
|
|
30,434
|
|
800
|
|
327
|
|
58
|
|
1,185
|
|
36
|
|
31,655
|
|
Total
|
$
|
833,975
|
$
|
12,778
|
$
|
6,015
|
$
|
2,146
|
$
|
20,939
|
$
|
19,915
|
$
|
874,829
|
|
| Impaired Loans And Related Interest Income By Loan Portfolio Class [Table Text Block] |
The following table presents impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary as of March 31, 2013 and December 31, 2012:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Impaired
|
|
|
|
|
|
|
|
|
|
Loans with No
|
|
|
|
|
|
Impaired Loans with
|
|
Specific
|
|
|
|
|
|
|
|
Specific Allowance
|
|
Allowance
|
|
Total Impaired Loans
|
|
|
|
|
|
|
|
|
|
|
|
Unpaid
|
|
|
|
Recorded
|
|
Related
|
|
Recorded
|
|
Recorded
|
|
Principal
|
|
(in thousands)
|
|
Investment
|
|
Allowances
|
|
Investment
|
|
Investment
|
|
Balance
|
|
March 31, 2013
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate
|
|
|
|
|
|
|
|
|
|
|
|
Non owner-occupied
|
$
|
135
|
$
|
27
|
$
|
5,103
|
$
|
5,238
|
$
|
7,868
|
|
All other CRE
|
|
985
|
|
182
|
|
9,767
|
|
10,752
|
|
10,905
|
|
Acquisition and development
|
|
|
|
|
|
|
|
|
|
|
|
1-4 family residential construction
|
|
3,584
|
|
625
|
|
9
|
|
3,593
|
|
3,681
|
|
All other A&D
|
|
5,383
|
|
1,741
|
|
15,266
|
|
20,649
|
|
24,898
|
|
Commercial and industrial
|
|
128
|
|
128
|
|
3,287
|
|
3,415
|
|
3,432
|
|
Residential mortgage
|
|
|
|
|
|
|
|
|
|
|
|
Residential mortgage - term
|
|
706
|
|
78
|
|
3,433
|
|
4,139
|
|
4,855
|
|
Residential mortgage – home equity
|
|
0
|
|
0
|
|
597
|
|
597
|
|
597
|
|
Consumer
|
|
0
|
|
0
|
|
116
|
|
116
|
|
116
|
|
Total impaired loans
|
$
|
10,921
|
$
|
2,781
|
$
|
37,578
|
$
|
48,499
|
$
|
56,352
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2012
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate
|
|
|
|
|
|
|
|
|
|
|
|
Non owner-occupied
|
$
|
0
|
$
|
0
|
$
|
5,309
|
$
|
5,309
|
$
|
7,929
|
|
All other CRE
|
|
1,019
|
|
126
|
|
9,613
|
|
10,632
|
|
10,785
|
|
Acquisition and development
|
|
|
|
|
|
|
|
|
|
|
|
1-4 family residential construction
|
|
2,052
|
|
471
|
|
10
|
|
2,062
|
|
2,062
|
|
All other A&D
|
|
5,410
|
|
1,035
|
|
16,640
|
|
22,050
|
|
26,232
|
|
Commercial and industrial
|
|
0
|
|
0
|
|
3,449
|
|
3,449
|
|
3,449
|
|
Residential mortgage
|
|
|
|
|
|
|
|
|
|
|
|
Residential mortgage - term
|
|
0
|
|
0
|
|
3,755
|
|
3,755
|
|
4,086
|
|
Residential mortgage – home equity
|
|
0
|
|
0
|
|
549
|
|
549
|
|
549
|
|
Consumer
|
|
0
|
|
0
|
|
36
|
|
36
|
|
36
|
|
Total impaired loans
|
$
|
8,481
|
$
|
1,632
|
$
|
39,361
|
$
|
47,842
|
$
|
55,128
|
|
| Average Of Impaired Loans And Related Interest Income By Loan Portfolio Class [Table Text Block] |
The following tables present the average recorded investment in impaired loans by class and related interest income recognized for the periods indicated:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Three months ended
|
Three months ended
|
|
|
March 31, 2013
|
March 31, 2012
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Interest
|
Interest
|
|
|
Interest
|
Interest
|
|
|
|
|
income
|
income
|
|
|
income
|
income
|
|
|
|
|
recognized
|
recognized
|
|
|
recognized
|
recognized
|
|
|
Average
|
on an
|
on a cash
|
Average
|
on an
|
on a cash
|
|
(in thousands)
|
investment
|
accrual basis
|
basis
|
investment
|
accrual basis
|
basis
|
|
Commercial real estate
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Non owner-occupied
|
$
|
5,274
|
$
|
12
|
$
|
0
|
$
|
8,899
|
$
|
6
|
$
|
0
|
|
All other CRE
|
|
10,692
|
|
89
|
|
46
|
|
8,136
|
|
80
|
|
0
|
|
Acquisition and development
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1-4 family residential construction
|
|
2,828
|
|
24
|
|
0
|
|
2,463
|
|
24
|
|
0
|
|
All other A&D
|
|
21,350
|
|
142
|
|
0
|
|
23,124
|
|
105
|
|
0
|
|
Commercial and industrial
|
|
3,432
|
|
35
|
|
0
|
|
8,514
|
|
34
|
|
0
|
|
Residential mortgage
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Residential mortgage - term
|
|
3,947
|
|
19
|
|
2
|
|
4,994
|
|
35
|
|
15
|
|
Residential mortgage – home equity
|
|
573
|
|
6
|
|
0
|
|
1,056
|
|
4
|
|
3
|
|
Consumer
|
|
76
|
|
0
|
|
0
|
|
49
|
|
0
|
|
0
|
|
Total
|
$
|
48,172
|
$
|
327
|
$
|
48
|
$
|
57,235
|
$
|
288
|
$
|
18
|
|
| Modification of Troubled Debt Restructuring By Class [Table Text Block] |
The following table presents the volume and recorded investment at the time of modification of TDRs by class and type of modification that occurred during the periods indicated:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Temporary Rate
|
|
|
|
Modification of Payment
|
|
|
Modification
|
Extension of Maturity
|
and Other Terms
|
|
|
Number of
|
Recorded
|
Number of
|
Recorded
|
Number of
|
Recorded
|
|
(in thousands)
|
Contracts
|
Investment
|
Contracts
|
Investment
|
Contracts
|
Investment
|
|
Three months ended March 31, 2013
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate
|
|
|
|
|
|
|
|
|
|
|
Non owner-occupied
|
0
|
$
|
0
|
2
|
$
|
268
|
0
|
$
|
0
|
|
All other CRE
|
0
|
|
0
|
0
|
|
0
|
0
|
|
0
|
|
Acquisition and development
|
|
|
|
|
|
|
|
|
|
|
1-4 family residential construction
|
0
|
|
0
|
0
|
|
0
|
0
|
|
0
|
|
All other A&D
|
0
|
|
0
|
2
|
|
252
|
0
|
|
0
|
|
Commercial and industrial
|
0
|
|
0
|
0
|
|
0
|
0
|
|
0
|
|
Residential mortgage
|
|
|
|
|
|
|
|
|
|
|
Residential mortgage – term
|
1
|
|
172
|
0
|
|
0
|
0
|
|
0
|
|
Residential mortgage – home equity
|
0
|
|
0
|
0
|
|
0
|
0
|
|
0
|
|
Consumer
|
0
|
|
0
|
0
|
|
0
|
0
|
|
0
|
|
Total
|
1
|
$
|
172
|
4
|
$
|
520
|
0
|
$
|
0
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Temporary Rate
|
|
|
|
Modification of Payment
|
|
|
Modification
|
Extension of Maturity
|
and Other Terms
|
|
|
Number of
|
Recorded
|
Number of
|
Recorded
|
Number of
|
Recorded
|
|
(in thousands)
|
Contracts
|
Investment
|
Contracts
|
Investment
|
Contracts
|
Investment
|
|
Three Months Ended March 31, 2012
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate
|
|
|
|
|
|
|
|
|
|
|
Non owner-occupied
|
0
|
$
|
0
|
0
|
$
|
0
|
0
|
$
|
0
|
|
All other CRE
|
0
|
|
0
|
0
|
|
0
|
0
|
|
0
|
|
Acquisition and development
|
|
|
|
|
|
|
|
|
|
|
1-4 family residential construction
|
0
|
|
0
|
0
|
|
0
|
0
|
|
0
|
|
All other A&D
|
0
|
|
0
|
0
|
|
0
|
0
|
|
0
|
|
Commercial and industrial
|
0
|
|
0
|
0
|
|
0
|
0
|
|
0
|
|
Residential mortgage
|
|
|
|
|
|
|
|
|
|
|
Residential mortgage – term
|
1
|
|
513
|
0
|
|
0
|
0
|
|
0
|
|
Residential mortgage – home equity
|
0
|
|
0
|
0
|
|
0
|
0
|
|
0
|
|
Consumer
|
0
|
|
0
|
0
|
|
0
|
0
|
|
0
|
|
Total
|
1
|
$
|
513
|
0
|
$
|
0
|
0
|
$
|
0
|
|