Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2013

Allowance for Loan Losses

Summary of allocation of the allowance as well as the activity in the allowance attributed to various segments in the loan portfolio

	Commercial and industrial			Commercial owner occupied			SBA			Warehouse			Commercial non-owner occupied			Multi-family			One-to- four family			Land			Other loans			Total
	(dollars in thousands)
Balance, December 31, 2012	$	1,310		$	1,512		$	79		$	1,544		$	1,459		$	1,145		$	862		$	31		$	52		$	7,994
Charge-offs	(58		)	—			(5		)	—			(401		)	—			(10		)	—			(6		)	(480		)
Recoveries	7			—			19			—			—			—			43			—			115			184
Provisions for (reduction in) loan losses	1,037			153			(43		)	(814		)	345			(639		)	279			90			(112		)	296
Balance, March 31, 2013	$	2,296		$	1,665		$	50		$	730		$	1,403		$	506		$	1,174		$	121		$	49		$	7,994
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	256		$	—		$	—		$	—		$	—		$	—		$	360		$	—		$	—		$	616
General portfolio allocation	2,040			1,665			50			730			1,403			506			814			121			49			7,378
Loans individually evaluated for impairment	580			245			129			—			1,974			—			824			—			—			3,752
Specific reserves to total loans individually evaluated for impairment	44.14		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	43.69		%	0.00		%	0.00		%	16.42		%
Loans collectively evaluated for impairment	$	140,012		$	166,326		$	4,987		$	138,935		$	254,041		$	139,100		$	86,285		$	7,863		$	4,690		$	942,239
General reserves to total loans collectively evaluated for impairment	1.46		%	1.00		%	1.00		%	0.53		%	0.55		%	0.36		%	0.94		%	1.54		%	1.04		%	0.78		%
Total gross loans	$	140,592		$	166,571		$	5,116		$	138,935		$	256,015		$	139,100		$	87,109		$	7,863		$	4,690		$	945,991
Total allowance to gross loans	1.63		%	1.00		%	0.98		%	0.53		%	0.55		%	0.36		%	1.35		%	1.54		%	1.04		%	0.85		%

	Commercial and industrial			Commercial owner occupied			SBA			Warehouse			Commercial non-owner occupied			Multi- family			One-to- four family			Land			Other loans			Total
	(dollars in thousands)
Balance, December 31, 2011	$	1,361		$	1,119		$	80		$	1,347		$	1,287		$	2,281		$	931		$	39		$	77		$	8,522
Charge-offs	(191		)	—			(108		)	—			(1		)	—			(122		)	—			(1		)	(423		)
Recoveries	1			—			11			—			—			—			1			—			4			17
Provisions for (reduction in) loan losses	291			31			188			(576		)	215			196			(247		)	(39		)	(59		)	—
Balance, March 31, 2012	$	1,462		$	1,150		$	171		$	771		$	1,501		$	2,477		$	563		$	—		$	21		$	8,116
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
General portfolio allocation	1,462			1,150			171			771			1,501			2,477			563			—			21			8,116
Loans individually evaluated for impairment	76			913			604			—			648			1,414			973			—			—			4,628
Specific reserves to total loans individually evaluated for impairment	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%
Loans collectively evaluated for impairment	$	83,871		$	145,991		$	3,344		$	44,246		$	168,024		$	183,953		$	51,307		$	7,246		$	3,139		$	691,121
General reserves to total loans collectively evaluated for impairment	1.74		%	0.79		%	5.11		%	1.74		%	0.89		%	1.35		%	1.10		%	0.00		%	0.67		%	1.17		%
Total gross loans	$	83,947		$	146,904		$	3,948		$	44,246		$	168,672		$	185,367		$	52,280		$	7,246		$	3,139		$	695,749
Total allowance to gross loans	1.74		%	0.78		%	4.33		%	1.74		%	0.89		%	1.34		%	1.08		%	0.00		%	0.67		%	1.17		%