Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 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			Construction			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		)	—			(757		)	(11		)	(10		)	—			—			(6		)	(847		)
Recoveries	21			—			44			—			—			—			44			—			—			120			229
Provisions for (reduction in) loan losses	806			229			(50		)	(844		)	806			(593		)	243			—			149			(128		)	618
Balance, June 30, 2013	$	2,079		$	1,741		$	68		$	700		$	1,508		$	541		$	1,139		$	—		$	180		$	38		$	7,994
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	233		$	—		$	—		$	—		$	—		$	—		$	360		$	—		$	—		$	—		$	593
General portfolio allocation	1,846			1,741			68			700			1,508			541			779			—			180			38			7,401
Loans individually evaluated for impairment	308			—			—			—			450			1,035			813			—			—			—			2,606
Specific reserves to total loans individually evaluated for impairment	75.65		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	44.28		%	0.00		%	0.00		%	0.00		%	22.76		%
Loans collectively evaluated for impairment	$	145,932		$	201,802		$	5,820		$	135,317		$	295,317		$	171,762		$	83,859		$	2,135		$	10,438		$	4,969		$	1,057,351
General reserves to total loans collectively evaluated for impairment	1.26		%	0.86		%	1.17		%	0.52		%	0.51		%	0.31		%	0.93		%	0.00		%	1.72		%	0.76		%	0.70		%
Total gross loans	$	146,240		$	201,802		$	5,820		$	135,317		$	295,767		$	172,797		$	84,672		$	2,135		$	10,438		$	4,969		$	1,059,957
Total allowance to gross loans	1.42		%	0.86		%	1.17		%	0.52		%	0.51		%	0.31		%	1.35		%	0.00		%	1.72		%	0.76		%	0.75		%

	Commercial and industrial			Commercial owner occupied			SBA			Warehouse			Commercial non-owner occupied			Multi-family			One-to-four family			Construction			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		)	(265		)	(109		)	—			(88		)	—			(305		)	—			—			(1		)	(959		)
Recoveries	2			—			77			—			—			—			5			—			—			11			95
Provisions for (reduction in) loan losses	78			222			103			(439		)	468			3			(328		)	—			(39		)	(68		)	—
Balance, June 30, 2012	$	1,250		$	1,076		$	151		$	908		$	1,667		$	2,284		$	303		$	—		$	—		$	19		$	7,658
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
General portfolio allocation	1,250			1,076			151			908			1,667			2,284			303			—			—			19			7,658
Loans individually evaluated for impairment	—			478			549			—			2,095			1,404			667			—			—			—			5,193
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		%	0.00		%
Loans collectively evaluated for impairment	$	84,191		$	149,950		$	3,446		$	61,111		$	240,605		$	182,338		$	56,027		$	281		$	11,191		$	4,019		$	793,159
General reserves to total loans collectively evaluated for impairment	1.48		%	0.72		%	4.38		%	1.49		%	0.69		%	1.25		%	0.54		%	0.00		%	0.00		%	0.47		%	0.97		%
Total gross loans	$	84,191		$	150,428		$	3,995		$	61,111		$	242,700		$	183,742		$	56,694		$	281		$	11,191		$	4,019		$	798,352
Total allowance to gross loans	1.48		%	0.72		%	3.78		%	1.49		%	0.69		%	1.24		%	0.53		%	0.00		%	0.00		%	0.47		%	0.96		%