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Loans and allowance for credit losses (Tables)
 6 Months Ended
Jun. 30, 2013
Receivables [Abstract]  
Schedule of Financing Receivables [Table Text Block]
The following table provides information about the principal classes of the loan portfolio at June 30, 2013 and December 31, 2012.
 
(Dollars in thousands)
 
June 30,
2013
 
December 31,
2012
 
Construction
 
$
104,516
 
$
108,051
 
Residential real estate
 
 
288,494
 
 
288,011
 
Commercial real estate
 
 
321,191
 
 
314,941
 
Commercial
 
 
56,448
 
 
60,786
 
Consumer
 
 
11,539
 
 
13,293
 
Total loans
 
 
782,188
 
 
785,082
 
Allowance for credit losses
 
 
(15,723)
 
 
(15,991)
 
Total loans, net
 
$
766,465
 
$
769,091
 
Allowance for Credit Losses on Loans Receivables Additional Information [Table Text Block]
 
The following tables include impairment information relating to loans and the allowance for credit losses as of June 30, 2013 and December 31, 2012.
 
(Dollars in thousands)
 
Construction
 
Residential 
real estate
 
Commercial 
real estate
 
Commercial
 
Consumer
 
Unallocated
 
Total
 
June 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans individually
    evaluated for impairment
 
$
34,638
 
$
22,438
 
$
27,258
 
$
711
 
$
51
 
$
-
 
$
85,096
 
Loans collectively
    evaluated for impairment
 
 
69,878
 
 
266,056
 
 
293,933
 
 
55,737
 
 
11,488
 
 
-
 
 
697,092
 
Total loans
 
$
104,516
 
$
288,494
 
$
321,191
 
$
56,448
 
$
11,539
 
$
-
 
$
782,188
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for credit losses
    allocated to:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans individually
    evaluated for impairment
 
$
717
 
$
377
 
$
2,189
 
$
29
 
$
-
 
$
-
 
$
3,312
 
Loans collectively
    evaluated for impairment
 
 
3,629
 
 
3,882
 
 
3,325
 
 
1,187
 
 
301
 
 
87
 
 
12,411
 
Total allowance for credit
    losses
 
$
4,346
 
$
4,259
 
$
5,514
 
$
1,216
 
$
301
 
$
87
 
$
15,723
 
 
(Dollars in thousands)
 
Construction
 
Residential 
real estate
 
Commercial 
real estate
 
Commercial
 
Consumer
 
Unallocated
 
Total
 
December 31, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans individually
    evaluated for impairment
 
$
37,029
 
$
18,549
 
$
32,447
 
$
715
 
$
87
 
$
-
 
$
88,827
 
Loans collectively
    evaluated for impairment
 
 
71,022
 
 
269,462
 
 
282,494
 
 
60,071
 
 
13,206
 
 
-
 
 
696,255
 
Total loans
 
$
108,051
 
$
288,011
 
$
314,941
 
$
60,786
 
$
13,293
 
$
-
 
$
785,082
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for credit losses
    allocated to:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans individually
    evaluated for impairment
 
$
941
 
$
598
 
$
614
 
$
-
 
$
48
 
$
-
 
$
2,201
 
Loans collectively
    evaluated for impairment
 
 
3,446
 
 
4,596
 
 
3,520
 
 
1,682
 
 
359
 
 
187
 
 
13,790
 
Total allowance for credit
    losses
 
$
4,387
 
$
5,194
 
$
4,134
 
$
1,682
 
$
407
 
$
187
 
$
15,991
 
Impaired Financing Receivables [Table Text Block]
The following tables provide information on impaired loans and any related allowance by loan class as of June 30, 2013 and December 31, 2012. The difference between the unpaid principal balance and the recorded investment is the amount of partial charge-offs that have been taken.
 
(Dollars in thousands)
 
Unpaid 
principal 
balance
 
Recorded 
investment 
with no 
allowance
 
Recorded 
investment 
with an 
allowance
 
Related 
allowance
 
Quarter-to- 
date average 
recorded 
investment
 
Year-to-date
average 
recorded 
investment
 
June 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Impaired nonaccrual loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction
 
$
10,961
 
$
3,751
 
$
3,744
 
$
600
 
$
7,080
 
$
7,401
 
Residential real estate
 
 
22,890
 
 
14,948
 
 
1,085
 
 
301
 
 
12,883
 
 
11,920
 
Commercial real estate
 
 
13,876
 
 
8,135
 
 
2,502
 
 
650
 
 
9,784
 
 
10,824
 
Commercial
 
 
1,611
 
 
573
 
 
29
 
 
29
 
 
531
 
 
537
 
Consumer
 
 
58
 
 
51
 
 
-
 
 
-
 
 
51
 
 
49
 
Total
 
 
49,396
 
 
27,458
 
 
7,360
 
 
1,580
 
 
30,329
 
 
30,731
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Impaired accruing restructured loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction
 
 
27,143
 
 
23,091
 
 
4,052
 
 
117
 
 
27,052
 
 
27,146
 
Residential real estate
 
 
6,405
 
 
4,554
 
 
1,851
 
 
76
 
 
6,814
 
 
6,882
 
Commercial real estate
 
 
16,621
 
 
10,503
 
 
6,118
 
 
1,539
 
 
16,414
 
 
16,903
 
Commercial
 
 
109
 
 
109
 
 
-
 
 
-
 
 
112
 
 
115
 
Consumer
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
Total
 
 
50,278
 
 
38,257
 
 
12,021
 
 
1,732
 
 
50,392
 
 
51,046
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total impaired loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction
 
 
38,104
 
 
26,842
 
 
7,796
 
 
717
 
 
34,132
 
 
34,547
 
Residential real estate
 
 
29,295
 
 
19,502
 
 
2,936
 
 
377
 
 
19,697
 
 
18,802
 
Commercial real estate
 
 
30,497
 
 
18,638
 
 
8,620
 
 
2,189
 
 
26,198
 
 
27,727
 
Commercial
 
 
1,720
 
 
682
 
 
29
 
 
29
 
 
643
 
 
652
 
Consumer
 
 
58
 
 
51
 
 
-
 
 
-
 
 
51
 
 
49
 
Total
 
$
99,674
 
$
65,715
 
$
19,381
 
$
3,312
 
$
80,721
 
$
81,777
 
 
(Dollars in thousands)
 
Unpaid 
principal 
balance
 
Recorded 
investment 
with no 
allowance
 
Recorded 
investment 
with an 
allowance
 
Related 
allowance
 
Quarter-to- 
date average 
recorded 
investment
 
Year-to-date
average
recorded 
investment
 
December 31, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Impaired nonaccrual loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction
 
$
14,288
 
$
3,371
 
$
6,323
 
$
941
 
$
10,600
 
$
12,428
 
Residential real estate
 
 
17,975
 
 
9,469
 
 
2,063
 
 
598
 
 
13,294
 
 
17,472
 
Commercial real estate
 
 
19,515
 
 
11,838
 
 
2,729
 
 
614
 
 
13,554
 
 
12,975
 
Commercial
 
 
1,556
 
 
594
 
 
-
 
 
-
 
 
1,126
 
 
1,538
 
Consumer
 
 
92
 
 
39
 
 
48
 
 
48
 
 
50
 
 
55
 
Total
 
 
53,426
 
 
25,311
 
 
11,163
 
 
2,201
 
 
38,624
 
 
44,468
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Impaired accruing restructured loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction
 
 
27,335
 
 
27,335
 
 
-
 
 
-
 
 
27,907
 
 
21,193
 
Residential real estate
 
 
7,017
 
 
7,017
 
 
-
 
 
-
 
 
6,124
 
 
5,064
 
Commercial real estate
 
 
17,880
 
 
17,880
 
 
-
 
 
-
 
 
17,433
 
 
16,252
 
Commercial
 
 
121
 
 
121
 
 
-
 
 
-
 
 
105
 
 
87
 
Consumer
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
Total
 
 
52,353
 
 
52,353
 
 
-
 
 
-
 
 
51,569
 
 
42,596
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total impaired loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction
 
 
41,623
 
 
30,706
 
 
6,323
 
 
941
 
 
38,507
 
 
33,621
 
Residential real estate
 
 
24,992
 
 
16,486
 
 
2,063
 
 
598
 
 
19,418
 
 
22,536
 
Commercial real estate
 
 
37,395
 
 
29,718
 
 
2,729
 
 
614
 
 
30,987
 
 
29,227
 
Commercial
 
 
1,677
 
 
715
 
 
-
 
 
-
 
 
1,231
 
 
1,625
 
Consumer
 
 
92
 
 
39
 
 
48
 
 
48
 
 
50
 
 
55
 
Total
 
$
105,779
 
$
77,664
 
$
11,163
 
$
2,201
 
$
90,193
 
$
87,064
 
Troubled Debt Restructurings on Financing Receivables [Table Text Block]
The following tables provide information on loans that were modified and considered troubled debt restructurings during the six months ended June 30, 2013 and June 30, 2012.
 
(Dollars in thousands)
 
Number of 
contracts
 
Premodification 
outstanding 
recorded 
investment
 
Postmodification 
outstanding 
recorded 
investment
 
Related allowance
 
Troubled debt restructurings:
 
 
 
 
 
 
 
 
 
 
 
 
 
For the six months ended June 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction
 
 
2
 
$
123
 
$
123
 
$
-
 
Residential real estate
 
 
3
 
 
783
 
 
798
 
 
37
 
Commercial real estate
 
 
1
 
 
474
 
 
474
 
 
-
 
Commercial
 
 
-
 
 
-
 
 
-
 
 
-
 
Consumer
 
 
-
 
 
-
 
 
-
 
 
-
 
Total
 
 
6
 
$
1,380
 
$
1,395
 
$
37
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
For the six months ended June 30, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction
 
 
7
 
$
5,943
 
$
5,963
 
$
-
 
Residential real estate
 
 
8
 
 
2,613
 
 
2,276
 
 
-
 
Commercial real estate
 
 
3
 
 
5,351
 
 
5,514
 
 
-
 
Commercial
 
 
-
 
 
-
 
 
-
 
 
-
 
Consumer
 
 
-
 
 
-
 
 
-
 
 
-
 
Total
 
 
18
 
$
13,907
 
$
13,753
 
$
-
 
Troubled Debt Restructurings that Defaulted on Financing Receivables [Table Text Block]
The following tables provide information on troubled debt restructurings that defaulted during the six months ended June 30, 2013 and June 30, 2012. Generally, a loan is considered in default when principal or interest is past due 30 days or more.
 
(Dollars in thousands)
 
Number of
contracts
 
Recorded 
investment
 
Related allowance
 
Troubled debt restructurings that subsequently defaulted (1):
 
 
 
 
 
 
 
 
 
 
For the six months ended June 30, 2013
 
 
 
 
 
 
 
 
 
 
Construction
 
 
-
 
$
-
 
$
-
 
Residential real estate
 
 
4
 
 
1,563
 
 
-
 
Commercial real estate
 
 
1
 
 
1,741
 
 
74
 
Commercial
 
 
-
 
 
-
 
 
-
 
Consumer
 
 
-
 
 
-
 
 
-
 
Total
 
 
5
 
$
3,304
 
$
74
 
 
 
 
 
 
 
 
 
 
 
 
Troubled debt restructurings that subsequently defaulted (2):
 
 
 
 
 
 
 
 
 
 
For the six months ended June 30, 2012
 
 
 
 
 
 
 
 
 
 
Construction
 
 
1
 
$
666
 
$
-
 
Residential real estate
 
 
3
 
 
913
 
 
-
 
Commercial real estate
 
 
-
 
 
-
 
 
-
 
Commercial
 
 
-
 
 
-
 
 
-
 
Consumer
 
 
-
 
 
-
 
 
-
 
Total
 
 
4
 
$
1,579
 
$
-
 
 
(1) These loans were classified as troubled debt restructurings during 2012.
(2) These loans were classified as troubled debt restructurings during 2011.
Financing Receivable Credit Quality Indicators [Table Text Block]
The following tables provide information on loan risk ratings as of June 30, 2013 and December 31, 2012.
 
(Dollars in thousands)
 
Pass/Performing
 
Special 
mention
 
Substandard
 
Doubtful
 
Nonaccrual
 
Total
 
June 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction
 
$
48,038
 
$
23,989
 
$
24,994
 
$
-
 
$
7,495
 
$
104,516
 
Residential real estate
 
 
235,008
 
 
24,055
 
 
13,398
 
 
-
 
 
16,033
 
 
288,494
 
Commercial real estate
 
 
268,053
 
 
23,752
 
 
18,749
 
 
-
 
 
10,637
 
 
321,191
 
Commercial
 
 
50,938
 
 
4,097
 
 
811
 
 
-
 
 
602
 
 
56,448
 
Consumer
 
 
11,433
 
 
52
 
 
3
 
 
-
 
 
51
 
 
11,539
 
Total
 
$
613,470
 
$
75,945
 
$
57,955
 
$
-
 
$
34,818
 
$
782,188
 
 
(Dollars in thousands)
 
Pass/Performing
 
Special 
mention
 
Substandard
 
Doubtful
 
Nonaccrual
 
Total
 
December 31, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction
 
$
45,385
 
$
30,817
 
$
22,155
 
$
-
 
$
9,694
 
$
108,051
 
Residential real estate
 
 
237,299
 
 
23,657
 
 
15,090
 
 
433
 
 
11,532
 
 
288,011
 
Commercial real estate
 
 
257,418
 
 
21,554
 
 
21,402
 
 
-
 
 
14,567
 
 
314,941
 
Commercial
 
 
55,432
 
 
3,062
 
 
1,639
 
 
59
 
 
594
 
 
60,786
 
Consumer
 
 
13,147
 
 
-
 
 
59
 
 
-
 
 
87
 
 
13,293
 
Total
 
$
608,681
 
$
79,090
 
$
60,345
 
$
492
 
$
36,474
 
$
785,082
 
Past Due Financing Receivables [Table Text Block]
The following tables provide information on the aging of the loan portfolio as of June 30, 2013 and December 31, 2012.
 
 
Accruing
 
 
 
 
 
 
 
 
 
(Dollars in thousands)
Current
 
 
30-59
days
past due
 
 
60-89 
days past 
due
 
 
90 days 
or more 
past due
 
Total past 
due
 
 
Nonaccrual
 
 
Total
 
June 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction
 
$
97,021
 
 
$
-
 
 
$
-
 
 
$
-
 
$
-
 
 
$
7,495
 
 
$
104,516
 
Residential real estate
 
 
270,575
 
 
 
1,644
 
 
 
242
 
 
 
-
 
 
1,886
 
 
 
16,033
 
 
 
288,494
 
Commercial real
estate
 
 
309,318
 
 
 
769
 
 
 
467
 
 
 
-
 
 
1,236
 
 
 
10,637
 
 
 
321,191
 
Commercial
 
 
55,720
 
 
 
112
 
 
 
14
 
 
 
-
 
 
126
 
 
 
602
 
 
 
56,448
 
Consumer
 
 
11,414
 
 
 
60
 
 
 
11
 
 
 
3
 
 
74
 
 
 
51
 
 
 
11,539
 
Total
 
$
744,048
 
 
$
2,585
 
 
$
734
 
 
$
3
 
$
3,322
 
 
$
34,818
 
 
$
782,188
 
Percent of total
 loans
 
 
95.1
%
 
 
0.3
%
 
 
0.1
%
 
 
-
 
 
0.4
%
 
 
4.5
%
 
 
 
 
   
 
 
Accruing
 
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
Current
 
 
30-59
days
past due
 
 
60-89
days past
due
 
 
90 days or
more past
due
 
 
Total past
due
 
 
Nonaccrual
 
 
Total
 
December 31, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction
 
$
98,221
 
 
$
136
 
 
$
-
 
 
$
-
 
 
$
136
 
 
$
9,694
 
 
$
108,051
 
Residential real estate
 
 
272,311
 
 
 
3,116
 
 
 
762
 
 
 
290
 
 
 
4,168
 
 
 
11,532
 
 
 
288,011
 
Commercial real
estate
 
 
298,522
 
 
 
887
 
 
 
800
 
 
 
165
 
 
 
1,852
 
 
 
14,567
 
 
 
314,941
 
Commercial
 
 
59,746
 
 
 
380
 
 
 
66
 
 
 
-
 
 
 
446
 
 
 
594
 
 
 
60,786
 
Consumer
 
 
13,125
 
 
 
57
 
 
 
19
 
 
 
5
 
 
 
81
 
 
 
87
 
 
 
13,293
 
Total
 
$
741,925
 
 
$
4,576
 
 
$
1,647
 
 
$
460
 
 
$
6,683
 
 
$
36,474
 
 
$
785,082
 
Percent of total
loans
 
 
94.5
%
 
 
0.6
%
 
 
0.2
%
 
 
0.1
%
 
 
0.9
%
 
 
4.6
%
 
 
 
 
Allowance for Credit Losses on Financing Receivables [Table Text Block]
The following tables provide a summary of the activity in the allowance for credit losses allocated by loan class for the three months ended June 30, 2013 and 2012. Allocation of a portion of the allowance to one loan class does not preclude its availability to absorb losses in other loan classes.
 
(Dollars in thousands)
 
Construction
 
Residential 
real estate
 
Commercial 
real estate
 
Commercial
 
Consumer
 
Unallocated
 
Total
 
For the three months ended June 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for credit
losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
4,116
 
$
4,864
 
$
4,374
 
$
1,760
 
$
330
 
$
291
 
$
15,735
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Charge-offs
 
 
(802)
 
 
(1,096)
 
 
(872)
 
 
(136)
 
 
(13)
 
 
-
 
 
(2,919)
 
Recoveries
 
 
1
 
 
59
 
 
90
 
 
50
 
 
7
 
 
-
 
 
207
 
Net charge-offs
 
 
(801)
 
 
(1,037)
 
 
(782)
 
 
(86)
 
 
(6)
 
 
-
 
 
(2,712)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Provision
 
 
1,031
 
 
432
 
 
1,922
 
 
(458)
 
 
(23)
 
 
(204)
 
 
2,700
 
Ending balance
 
$
4,346
 
$
4,259
 
$
5,514
 
$
1,216
 
$
301
 
$
87
 
$
15,723
 
 
(Dollars in thousands)
 
Construction
 
Residential 
real estate
 
Commercial  
real estate
 
Commercial
 
Consumer
 
Unallocated
 
Total
 
For the three months ended June 30, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for credit
    losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
3,344
 
$
4,448
 
$
3,549
 
$
1,539
 
$
581
 
$
83
 
$
13,544
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Charge-offs
 
 
(714)
 
 
(1,554)
 
 
(745)
 
 
(1,085)
 
 
(162)
 
 
-
 
 
(4,260)
 
Recoveries
 
 
-
 
 
43
 
 
-
 
 
133
 
 
5
 
 
-
 
 
181
 
Net charge-offs
 
 
(714)
 
 
(1,511)
 
 
(745)
 
 
(952)
 
 
(157)
 
 
-
 
 
(4,079)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Provision
 
 
215
 
 
1,300
 
 
1,148
 
 
476
 
 
61
 
 
325
 
 
3,525
 
Ending balance
 
$
2,845
 
$
4,237
 
$
3,952
 
$
1,063
 
$
485
 
$
408
 
$
12,990
 
 
The following tables provide a summary of the activity in the allowance for credit losses allocated by loan class for the six months ended June 30, 2013 and 2012.
 
(Dollars in thousands)
 
Construction
 
Residential 
real estate
 
Commercial  
real estate
 
Commercial
 
Consumer
 
Unallocated
 
Total
 
For the six months ended June 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for credit
    losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
4,387
 
$
5,194
 
$
4,134
 
$
1,682
 
$
407
 
$
187
 
$
15,991
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Charge-offs
 
 
(1,509)
 
 
(1,889)
 
 
(1,947)
 
 
(223)
 
 
(62)
 
 
-
 
 
(5,630)
 
Recoveries
 
 
2
 
 
298
 
 
93
 
 
102
 
 
17
 
 
-
 
 
512
 
Net charge-offs
 
 
(1,507)
 
 
(1,591)
 
 
(1,854)
 
 
(121)
 
 
(45)
 
 
-
 
 
(5,118)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Provision
 
 
1,466
 
 
656
 
 
3,234
 
 
(345)
 
 
(61)
 
 
(100)
 
 
4,850
 
Ending balance
 
$
4,346
 
$
4,259
 
$
5,514
 
$
1,216
 
$
301
 
$
87
 
$
15,723
 
 
(Dollars in thousands)
 
Construction
 
Residential  
real estate
 
Commercial  
real estate
 
Commercial
 
Consumer
 
Unallocated
 
Total
 
For the six months ended June 30, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for credit
    losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
3,745
 
$
5,014
 
$
3,415
 
$
1,498
 
$
594
 
$
22
 
$
14,288
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Charge-offs
 
 
(1,786)
 
 
(5,673)
 
 
(1,435)
 
 
(4,440)
 
 
(177)
 
 
-
 
 
(13,511)
 
Recoveries
 
 
-
 
 
94
 
 
7
 
 
208
 
 
9
 
 
-
 
 
318
 
Net charge-offs
 
 
(1,786)
 
 
(5,579)
 
 
(1,428)
 
 
(4,232)
 
 
(168)
 
 
-
 
 
(13,193)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Provision
 
 
886
 
 
4,802
 
 
1,965
 
 
3,797
 
 
59
 
 
386
 
 
11,895
 
Ending balance
 
$
2,845
 
$
4,237
 
$
3,952
 
$
1,063
 
$
485
 
$
408
 
$
12,990