0001093672-12-000038.txt : 20120810 0001093672-12-000038.hdr.sgml : 20120810 20120810090739 ACCESSION NUMBER: 0001093672-12-000038 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 10 CONFORMED PERIOD OF REPORT: 20120630 FILED AS OF DATE: 20120810 DATE AS OF CHANGE: 20120810 FILER: COMPANY DATA: COMPANY CONFORMED NAME: PEOPLES BANCORP OF NORTH CAROLINA INC CENTRAL INDEX KEY: 0001093672 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 562132396 STATE OF INCORPORATION: NC FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 000-27205 FILM NUMBER: 121022763 BUSINESS ADDRESS: STREET 1: 518 WEST C STREET CITY: NEWTON STATE: NC ZIP: 28658-4007 BUSINESS PHONE: 8284645620 MAIL ADDRESS: STREET 1: PO BOX 467 CITY: NEWTON STATE: NC ZIP: 28658-0467 10-Q 1 form10qforjune302012.htm 10-Q FOR JUNE 30, 2012 form10qforjune302012.htm
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
     
 
FORM 10-Q
 
[ X ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
 
For the quarterly period ended:   June 30, 2012
 
OR
 
[   ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
 
For the transition period from __________ to __________
 
PEOPLES BANCORP OF NORTH CAROLINA, INC.
(Exact name of registrant as specified in its charter)
 
North Carolina
(State or other jurisdiction of incorporation or organization)
 
000-27205
56-2132396
(Commission File No.)
(IRS Employer Identification No.)
 
518 West C Street, Newton, North Carolina
28658
(Address of principal executive offices)
(Zip Code)
 
(828) 464-5620
(Registrant’s telephone number, including area code)
 
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.
 
Yes
  X  
No
   
Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). 
 
Yes
  X  
No
   
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, or a non-accelerated filer.  See definition of “accelerated filer and large accelerated filer in Rule 12b-2 of the Exchange Act.  (Check one):
 
Large Accelerate Filer
   
Accelerated Filer
   
Non-Accelerated Filer
   
 
Smaller Reporting Company
X
 
 
Indicate by check mark whether the registrant is a shell company (as defined in Exchange Act Rule 12b-2 of the Exchange Act).
 
Yes
   
No
  X  
 
Indicate the number of shares outstanding of each of the registrant's classes of common stock, as of the latest practicable date.
5,544,160 shares of common stock, outstanding at July 31, 2012.
 
 
 
 

 
 
 
INDEX
         
PART I.
FINANCIAL INFORMATION
PAGE(S)
 
         
Item 1.
 
Financial Statements
   
         
   
Consolidated Balance Sheets at June 30, 2012 (Unaudited) and December
   
   
31, 2011 (Audited)
3
 
         
   
Consolidated Statements of Earnings for the three and six months ended
   
   
June 30, 2012 and 2011 (Unaudited)
4
 
         
   
Consolidated Statements of Comprehensive Income for the three and six
   
   
months ended June 30, 2012 and 2011 (Unaudited)
5
 
         
   
Consolidated Statements of Cash Flows for the six months ended June 30,
   
   
2012 and 2011 (Unaudited)
6-7
 
         
   
Notes to Consolidated Financial Statements (Unaudited)
8-22
 
         
Item 2.
 
Management's Discussion  and Analysis of Financial Condition
   
   
and Results of Operations
23-37
 
         
Item 3.
 
Quantitative and Qualitative Disclosures About Market Risk
38
 
         
Item 4T.
 
Controls and Procedures
39
 
         
PART II.
OTHER INFORMATION
   
         
Item 1.
 
Legal Proceedings
40
 
Item 1A.
 
Risk Factors
40
 
Item 2.
 
Unregistered Sales of Equity Securities and Use of Proceeds
40
 
Item 3.
 
Defaults upon Senior Securities
40
 
Item 5.
 
Other Information
40
 
Item 6.
 
Exhibits
40-43
 
Signatures
 
44
 
Certifications
 
45-47
 
 
 
 
Statements made in this Form 10-Q, other than those concerning historical information, should be considered forward-looking statements pursuant to the safe harbor provisions of the Securities Exchange Act of 1934 and the Private Securities Litigation Act of 1995.  These forward-looking statements involve risks and uncertainties and are based on the beliefs and assumptions of management and on the information available to management at the time that this Form 10-Q was prepared.  These statements can be identified by the use of words like “expect,” “anticipate,” “estimate,” and “believe,” variations of these words and other similar expressions.  Readers should not place undue reliance on forward-looking statements as a number of important factors could cause actual results to differ materially from those in the forward-looking statements.  Factors that could cause actual results to differ materially include, but are not limited to, (1) competition in the markets served by Peoples Bank, (2) changes in the interest rate environment, (3) general national, regional or local economic conditions may be less favorable than expected, resulting in, among other things, a deterioration in credit quality and the possible impairment of collectibility of loans, (4) legislative or regulatory changes, including changes in accounting standards, (5) significant changes in the federal and state legal and regulatory environments and tax laws, (6) the impact of changes in monetary and fiscal policies, laws, rules and regulations and (7) other risks and factors identified in other filings with the Securities and Exchange Commission, including but not limited to those described in Peoples Bancorp of North Carolina, Inc.’s Annual Report on Form 10-K for the year ended December 31, 2011.
 
 
 
 
2

 
 
 
PART I.
FINANCIAL INFORMATION
   
Item 1.
Financial Statements
 
PEOPLES BANCORP OF NORTH CAROLINA, INC. AND SUBSIDIARIES
         
Consolidated Balance Sheets
         
(Dollars in thousands)
 
June 30,
 
December 31,
Assets
2012
 
2011
 
(Unaudited)
 
(Audited)
         
Cash and due from banks, including reserve requirements
$ 25,350   22,532  
of $9,265 in 2012 and $8,492 in 2011
         
Interest bearing deposits
  44,127   6,704  
Cash and cash equivalents
  69,477   29,236  
           
           
Investment securities available for sale
  280,735   321,388  
Other investments
  5,734   5,712  
Total securities
  286,469   327,100  
           
Mortgage loans held for sale
  3,753   5,146  
           
Loans
  642,815   670,497  
Less allowance for loan losses
  (16,640 ) (16,604 )
Net loans
  626,175   653,893  
           
Premises and equipment, net
  16,342   16,896  
Cash surrender value of life insurance
  13,040   12,835  
Other real estate
  6,505   7,576  
Accrued interest receivable and other assets
  13,328   14,381  
Total assets
$ 1,035,089   1,067,063  
           
Liabilities and Shareholders' Equity
         
           
Deposits:
         
Non-interest bearing demand
$ 147,825   136,878  
NOW, MMDA & savings
  353,076   366,133  
Time, $100,000 or more
  156,974   193,045  
Other time
  122,671   131,055  
Total deposits
  780,546   827,111  
           
Securities sold under agreements to repurchase
  50,510   39,600  
FHLB borrowings
  70,000   70,000  
Junior subordinated debentures
  20,619   20,619  
Accrued interest payable and other liabilities
  18,574   6,706  
Total liabilities
  940,249   964,036  
           
Commitments
         
           
Shareholders' equity:
         
           
Series A preferred stock, $1,000 stated value; authorized
         
5,000,000 shares; issued and outstanding
         
12,524 shares in 2012 and 25,054 shares in 2011
  12,298   24,758  
Common stock, no par value; authorized 20,000,000 shares;
         
issued and outstanding 5,544,160 shares in 2012 and 2011
  48,298   48,298  
Retained earnings
  29,617   26,895  
Accumulated other comprehensive income
  4,627   3,076  
Total shareholders' equity
  94,840   103,027  
           
Total liabilities and shareholders' equity
$ 1,035,089   1,067,063  
           
See accompanying Notes to Consolidated Financial Statements.
         
 
 
 
3

 
 
 
PEOPLES BANCORP OF NORTH CAROLINA, INC. AND SUBSIDIARIES
                 
Consolidated Statements of Earnings
                 
Three and six months ended June 30, 2012 and 2011
                 
(Dollars in thousands, except per share amounts)
                 
 
Three months ended
 
Six months ended
 
 
June 30,
 
June 30,
 
 
2012
 
2011
 
2012
 
2011
 
 
(Unaudited)
 
(Unaudited)
 
(Unaudited)
 
(Unaudited)
 
Interest income:
               
Interest and fees on loans
$ 8,227   9,159   16,652   18,774  
    Interest on due from banks   16   8   19   14  
Interest on investment securities:
                 
U.S. Government sponsored enterprises,
                 
including mortgage-backed securities
  737   1,413   1,807   2,494  
States and political subdivisions
  787   790   1,587   1,595  
Other
  68   52   132   102  
Total interest income
  9,835   11,422   20,197   22,979  
                   
Interest expense:
                 
NOW, MMDA & savings deposits
  295   601   639   1,319  
Time deposits
  864   1,277   1,896   2,681  
FHLB borrowings
  684   753   1,374   1,497  
Junior subordinated debentures
  110   101   222   200  
Other
  34   77   73   156  
Total interest expense
  1,987   2,809   4,204   5,853  
                   
Net interest income
  7,848   8,613   15,993   17,126  
                   
Provision for loan losses
  1,603   3,368   3,652   6,318  
                   
Net interest income after provision for loan losses
  6,245   5,245   12,341   10,808  
                   
Non-interest income:
                 
Service charges
  1,192   1,316   2,379   2,572  
Other service charges and fees
  516   528   1,115   1,109  
Gain on sale of securities
  664   181   1,191   1,256  
Mortgage banking income
  271   218   497   405  
Insurance and brokerage commissions
  119   121   254   229  
Loss on sale and write-down of
                 
other real estate
  (195 ) (361 ) (384 ) (708 )
Miscellaneous
  1,026   733   1,920   1,446  
Total non-interest income
  3,593   2,736   6,972   6,309  
                   
Non-interest expense:
                 
Salaries and employee benefits
  3,931   3,673   7,772   7,340  
Occupancy
  1,300   1,331   2,600   2,696  
Other
  2,612   2,404   4,742   4,742  
Total non-interest expense
  7,843   7,408   15,114   14,778  
                   
Earnings before income taxes
  1,995   573   4,199   2,339  
                   
Income tax expense (benefit)
  486   (56 ) 1,031   349  
                   
Net earnings
  1,509   629   3,168   1,990  
                   
Dividends and accretion on preferred stock
  348   348   697   697  
                   
Net earnings available to common shareholders
$ 1,161   281   2,471   1,293  
                   
Basic net earnings per common share
$ 0.21   0.05   0.45   0.23  
Diluted net earnings per common share
$ 0.21   0.05   0.45   0.23  
Cash dividends declared per common share
$ 0.02   0.02   0.09   0.04  
                   
See accompanying Notes to Consolidated Financial Statements.
             
 
 
 
4

 
 
 
PEOPLES BANCORP OF NORTH CAROLINA, INC. AND SUBSIDIARIES
                 
Consolidated Statements of Comprehensive Income
                 
Three and Six Months Ended June 30, 2012 and 2011
                 
 (Dollars in thousands)
                 
 
Three months ended
 
Six months ended
 
 
June 30,
 
June 30,
 
 
2012
 
2011
 
2012
 
2011
 
 
(Unaudited)
 
(Unaudited)
 
(Unaudited)
 
(Unaudited)
 
                 
Net earnings
$ 1,509   629   3,168   1,990  
                   
Other comprehensive income:
                 
Unrealized holding gains on securities
                 
available for sale
  2,513   5,568   3,730   6,041  
Reclassification adjustment for gains on
                 
securities available for sale
                 
included in net earnings
  (664 ) (181 ) (1,191 ) (1,256 )
Unrealized holding losses on derivative
                 
financial instruments qualifying as cash flow
                 
hedges
  -      (264 ) -      (648 )
                   
Total other comprehensive income,
                 
before income taxes
  1,849   5,123   2,539   4,137  
                   
Income tax expense related to other
                 
comprehensive income:
                 
                   
Unrealized holding gains on securities
                 
available for sale
  979   2,168   1,452   2,353  
Reclassification adjustment for gains 
                 
on securities available for sale
                 
included in net earnings
  (259 ) (70 ) (464 ) (489 )
Unrealized holding losses on derivative
                 
financial instruments qualifying as cash flow
                 
hedges
  -      (103 ) -      (253 )
                   
Total income tax expense related to
                 
other comprehensive income
  720   1,995   988   1,611  
                   
Total other comprehensive income,
                 
net of tax
  1,129   3,128   1,551   2,526  
                   
Total comprehensive income
$ 2,638   3,757   4,719   4,516  
                   
See accompanying Notes to Consolidated Financial Statements.
             
 
 
 
5

 
 
 
PEOPLES BANCORP OF NORTH CAROLINA, INC. AND SUBSIDIARIES
 
         
Consolidated Statements of Cash Flows
 
         
Six Months Ended June 30, 2012 and 2011
 
         
(Dollars in thousands)
 
         
 
2012
 
2011
 
 
(Unaudited)
 
(Unaudited)
 
         
Cash flows from operating activities:
       
Net earnings
$ 3,168   1,990  
Adjustments to reconcile net earnings to
         
net cash provided by operating activities:
         
Depreciation, amortization and accretion
  4,406   2,853  
Provision for loan losses
  3,652   6,318  
Gain on sale of investment securities
  (1,191 ) (1,256 )
Loss on sale of other real estate
  40   143  
Write-down of other real estate
  344   565  
Restricted stock expense
  17   7  
Change in:
         
Mortgage loans held for sale
  1,393   1,847  
Cash surrender value of life insurance
  (205 ) (121 )
Other assets
  (267 ) 394  
Other liabilities
  11,867   (135 )
           
Net cash provided by operating activities
  23,224   12,605  
           
Cash flows from investing activities:
         
Purchases of investment securities available for sale
  (25,473 ) (80,971 )
Proceeds from calls, maturities and paydowns of investment securities
         
available for sale
  31,641   24,749  
Proceeds from sales of investment securities available for sale
  34,788   35,269  
Purchases of other investments
  (493 ) (232 )
Proceeds from sale of other investments
  471   153  
Net change in loans
  21,662   24,691  
Purchases of premises and equipment
  (426 ) (1,214 )
Proceeds from sale of other real estate
  3,406   1,679  
           
Net cash provided by investing activities
  65,576   4,124  
           
Cash flows from financing activities:
         
Net change in deposits
  (46,565 ) (8,302 )
Net change in demand notes payable to U.S. Treasury
  -      (348 )
Net change in securities sold under agreement to repurchase
  10,910   10,418  
Proceeds from FHLB borrowings
  25,400   5,000  
Repayments of FHLB borrowings
  (25,400 ) (5,000 )
Preferred Stock Repurchase
  (11,695 ) -     
Restricted stock payout
  -      9  
Cash dividends paid on Series A preferred stock
  (710 ) (626 )
Cash dividends paid on common stock
  (499 ) (222 )
           
Net cash (used) provided by financing activities
  (48,559 ) 929  
           
Net change in cash and cash equivalent
  40,241   17,658  
           
Cash and cash equivalents at beginning of period
  29,236   23,977  
           
Cash and cash equivalents at end of period
$ 69,477   41,635  
 
 
 
6

 
 
 
PEOPLES BANCORP OF NORTH CAROLINA, INC. AND SUBSIDIARIES
         
Consolidated Statements of Cash Flows, continued
         
Six Months Ended June 30, 2012 and 2011
         
(Dollars in thousands)
         
         
 
2012
 
2011
 
 
(Unaudited)
 
(Unaudited)
 
         
Supplemental disclosures of cash flow information:
       
Cash paid during the year for:
       
Interest
$ 4,737   5,924  
Income taxes
$ 985   112  
           
Noncash investing and financing activities:
         
Change in unrealized gain on investment securities
         
 available for sale, net
$ 1,551   (2,921 )
Change in unrealized gain on derivative financial
         
 instruments, net
$ -      395  
Transfer of loans to other real estate and repossessions
$ 2,707   6,051  
Financed portion of sale of other real estate
$ 303   3,222  
Accretion of Series A preferred stock
$ 70   70  
        Discount on preferred stock $ 835   -      
           
           
See accompanying Notes to Consolidated Financial Statements.
         
 
 
 
7

 
 
PEOPLES BANCORP OF NORTH CAROLINA, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

(1)
    Summary of Significant Accounting Policies

The consolidated financial statements include the financial statements of Peoples Bancorp of North Carolina, Inc. and its wholly-owned subsidiaries, Peoples Bank (the “Bank”) and Community Bank Real Estate Solutions, LLC, along with the Bank’s wholly-owned subsidiaries, Peoples Investment Services, Inc. and Real Estate Advisory Services, Inc. (“REAS”) (collectively called the “Company”).  All significant intercompany balances and transactions have been eliminated in consolidation.

The consolidated financial statements in this report are unaudited.  In the opinion of management, all adjustments (none of which were other than normal accruals) necessary for a fair presentation of the financial position and results of operations for the periods presented have been included.  Management of the Company has made a number of estimates and assumptions relating to reporting of assets and liabilities and the disclosure of contingent assets and liabilities to prepare these consolidated financial statements in conformity with generally accepted accounting principles in the United States (“GAAP”).  Actual results could differ from those estimates.

The Company’s accounting policies are fundamental to understanding management’s discussion and analysis of results of operations and financial condition.  Many of the Company’s accounting policies require significant judgment regarding valuation of assets and liabilities and/or significant interpretation of the specific accounting guidance.  A description of the Company’s significant accounting policies can be found in Note 1 of the Notes to Consolidated Financial Statements in the Company’s 2011 Annual Report to Shareholders which is Appendix A to the Proxy Statement for the May 3, 2012 Annual Meeting of Shareholders.

Recently Issued Accounting Pronouncements
In April 2011, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2011-02, A Creditor’s Determination of Whether a Restructuring is a Troubled Debt Restructuring. ASU No. 2011-02 provides additional guidance for determining what constitutes a troubled debt restructuring.  ASU No. 2011-02 is effective for interim and annual periods ending after June 15, 2011.  The adoption of this guidance did not have a material impact on the Company’s results of operations, financial position or disclosures.

In May 2011, FASB issued ASU No. 2011-04, Fair Value Measurement (Topic 820): Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and International Financial Reporting Standards (“IFRS”).  ASU No. 2011-04 is intended to result in convergence between GAAP and IFRS requirements for measurement of and disclosures about fair value.  ASU No. 2011-04 is effective for interim and annual periods beginning after December 15, 2011.  The adoption of this guidance did not have a material impact on the Company’s results of operations, financial position or disclosures.

In June 2011, FASB issued ASU No. 2011-05, Comprehensive Income (Topic 220): Presentation of Comprehensive Income.  ASU No. 2011-05 requires companies to present the components of net income and other comprehensive income either as one continuous statement or as two consecutive statements.  It eliminates the option to present components of other comprehensive income as part of the statement of changes in shareholders’ equity.  ASU No. 2011-05 does not change the items which must be reported in other comprehensive income, how such items are measured or when they must be reclassified to net income.  ASU No. 2011-05 is effective for interim and annual periods beginning after December 15, 2011.  Because ASU No. 2011-05 impacts presentation only, it has no impact on the Company’s results of operations or financial position.

In December 2011, FASB issued ASU No. 2011-12, Comprehensive Income (Topic 220): Deferral of the Effective Date for Amendments to the Presentation of Reclassifications of Items Out of Accumulated Other Comprehensive Income in Accounting Standards Update No. 2011-05.  ASU No. 2011-12 defers the effective date of the requirement to present separate line items on the income statement for reclassification adjustments of items out of accumulated other comprehensive income into net income.  This deferral is temporary until  FASB reconsiders the operational concerns and needs of financial statement users.  FASB has not yet established a timetable for its reconsideration.  Entities are still required to present reclassification adjustments within other comprehensive income either on the face of the statement that reports other comprehensive income or in the notes to the financial statements.  The requirement to present comprehensive income in either a single continuous statement or two consecutive condensed statements remains for both annual and interim reporting.  Because ASU No. 2011-12 impacts presentation only, it will have no impact on the Company’s results of operations or financial position.
 
 
8

 
 
Other accounting standards that have been issued or proposed by FASB or other standards-setting bodies are not expected to have a material impact on the Company’s results of operations, financial position or disclosures.

(2)
    Investment Securities

Investment securities available for sale at June 30, 2012 and December 31, 2011 are as follows:

(Dollars in thousands)
             
 
June 30, 2012
 
Amortized
Cost
 
Gross
Unrealized
Gains
 
Gross
Unrealized
Losses
 
Estimated Fair
Value
Mortgage-backed securities
$ 164,423   1,981   383   166,021
U.S. Government
               
sponsored enterprises
  2,853   77   -      2,930
State and political subdivisions
  102,342   5,368   35   107,675
Corporate bonds
  1,539   6   -      1,545
Trust preferred securities
  1,250   -      -      1,250
Equity securities
  748   566   -      1,314
Total
$ 273,155   7,998   418   280,735
                 
(Dollars in thousands)
               
 
December 31, 2011
 
Amortized
Cost
 
Gross
Unrealized
Gains
 
Gross
Unrealized
Losses
 
Estimated Fair
Value
Mortgage-backed securities
$ 213,378   1,371   1,056   213,693
U.S. Government
               
sponsored enterprises
  7,429   265   -      7,694
State and political subdivisions
  92,996   4,157   56   97,097
Corporate bonds
  546   -      3   543
Trust preferred securities
  1,250   -      -      1,250
Equity securities
  748   363   -      1,111
Total
$ 316,347   6,156   1,115   321,388
 
The current fair value and associated unrealized losses on investments in securities with unrealized losses at June 30, 2012 and December 31, 2011 are summarized in the tables below, with the length of time the individual securities have been in a continuous loss position.
 
(Dollars in thousands)
                     
 
June 30, 2012
 
Less than 12 Months
 
12 Months or More
 
Total
 
Fair Value
 
Unrealized
Losses
 
Fair Value
 
Unrealized
Losses
 
Fair Value
 
Unrealized
Losses
Mortgage-backed securities
$ 50,288   331   2,979   52   53,267   383
State and political subdivisions
  4,149   35   -      -      4,149   35
Total
$ 54,437   366   2,979   52   57,416   418
 
 
(Dollars in thousands)
                     
 
December 31, 2011
 
Less than 12 Months
 
12 Months or More
 
Total
 
Fair Value
 
Unrealized
Losses
 
Fair Value
 
Unrealized
Losses
 
Fair Value
 
Unrealized
Losses
Mortgage-backed securities
$ 95,122   991   4,125   65   99,247   1,056
State and political subdivisions
  4,444   56   -      -      4,444   56
Corporate bonds
  542   3   -      -      542   3
Total
$ 100,108   1,050   4,125   65   104,233   1,115
 
 
 
9

 
 
At June 30, 2012, unrealized losses in the investment securities portfolio relating to debt securities totaled $418,000.  The unrealized losses on these debt securities arose due to changing interest rates and are considered to be temporary.  From the June 30, 2012 tables above, four out of 134 securities issued by state and political subdivisions contained unrealized losses and 28 out of 93 securities issued by U.S. Government sponsored enterprises, including mortgage-backed securities, contained unrealized losses.  These unrealized losses are considered temporary because of acceptable investment grades on each security and the repayment sources of principal and interest are government backed.

The amortized cost and estimated fair value of investment securities available for sale at June 30, 2012, by contractual maturity, are shown below. Expected maturities of mortgage-backed securities will differ from contractual maturities because borrowers have the right to call or prepay obligations with or without call or prepayment penalties.

(Dollars in thousands)
     
 
Amortized
Cost
 
Estimated Fair
Value
Due within one year
$ 2,604   2,648
Due from one to five years
  13,130   13,489
Due from five to ten years
  80,180   84,321
Due after ten years
  12,070   12,942
Mortgage-backed securities
  164,423   166,021
Equity securities
  748   1,314
Total
$ 273,155   280,735
 
Proceeds from sales of securities available for sale during the six months ended June 30, 2012 were $34.8 million and resulted in gross gains of $1.2 million.  Proceeds from sales of securities available for sale during the six months ended June 30, 2011 were $35.3 million and resulted in gross gains of $1.3 million.

Securities with a fair value of approximately $87.2 million and $83.6 million at June 30, 2012 and December 31, 2011, respectively, were pledged to secure public deposits and for other purposes as required by law.

(3)
    Loans

Major classifications of loans at June 30, 2012 and December 31, 2011 are summarized as follows:

(Dollars in thousands)
     
 
June 30, 2012
 
December 31, 2011
Real estate loans
     
     Construction and land development
$ 86,498   93,812
     Single-family residential
  255,339   267,051
     Commercial
  207,245   214,415
     Multifamily and farmland
  5,285   4,793
          Total real estate loans
  554,367   580,071
         
Commercial loans (not secured by real estate)
  59,416   60,646
Consumer loans (not secured by real estate)
  10,205   10,490
All other loans (not secured by real estate)
  18,827   19,290
     Total loans
  642,815   670,497
         
Less allowance for loan losses
  16,640   16,604
         
     Total net loans
$ 626,175   653,893
 
The Bank grants loans and extensions of credit primarily within the Catawba Valley region of North Carolina, which encompasses Catawba, Alexander, Iredell and Lincoln counties and also in Mecklenburg, Union and Wake counties of North Carolina.  Although the Bank has a diversified loan portfolio, a substantial portion of the loan portfolio is collateralized by improved and unimproved real estate, the value of which is dependent upon the real estate market.

Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Loans are placed on non-accrual status when, in management’s opinion, the borrower may be unable to meet payment obligations as they become due, as well as when required by regulatory provisions. Loans may be placed on non-accrual status regardless of whether or not such loans are considered past due. When interest accrual is discontinued, all unpaid accrued interest is reversed. Interest income is subsequently recognized only to the extent cash payments are received in excess of principal due. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
 
 
10

 
 
The following tables present an age analysis of past due loans, by loan type, as of June 30, 2012 and December 31, 2011:

June 30, 2012
               
(Dollars in thousands)
               
 
Loans 30-89
Days Past
Due
Loans 90 or
More Days
Past Due
 
Total Past
Due
Loans
Total
Current
Loans
 
Total Loans
 
Accruing
Loans 90 or
More Days
Past Due
Real estate loans
                     
     Construction and land development
$ 6,538   3,012   9,550   76,948   86,498   -   
     Single-family residential
  6,711   4,175   10,886   244,453   255,339   1,797
     Commercial
  2,161   1,543   3,704   203,541   207,245   -   
     Multifamily and farmland
  -      -      -      5,285   5,285   -   
          Total real estate loans
  15,410   8,730   24,140   530,227   554,367   1,797
                         
Commercial loans (not secured by real estate)
  743   17   760   58,656   59,416   -   
Consumer loans (not secured by real estate)
  102   4   106   10,099   10,205   -   
All other loans (not secured by real estate)
  -      -      -      18,827   18,827   -   
     Total loans
$ 16,255   8,751   25,006   617,809   642,815   1,797
 
 
December 31, 2011
               
(Dollars in thousands)
               
 
Loans 30-89
Days Past
Due
Loans 90 or
More Days
Past Due
 
Total Past
Due
Loans
Total
Current
Loans
 
Total Loans
 
Accruing
Loans 90 or
More Days
Past Due
Real estate loans
                     
     Construction and land development
$ 10,033   3,338   13,371   80,441   93,812   -   
     Single-family residential
  16,536   6,189   22,725   244,326   267,051   2,709
     Commercial
  1,002   958   1,960   212,455   214,415   -   
     Multifamily and farmland
  13   -      13   4,780   4,793   -   
          Total real estate loans
  27,584   10,485   38,069   542,002   580,071   2,709
                         
Commercial loans (not secured by real estate)
  576   9   585   60,061   60,646   -   
Consumer loans (not secured by real estate)
  116   36   152   10,338   10,490   -   
All other loans (not secured by real estate)
  -      -      -      19,290   19,290   -   
     Total loans
$ 28,276   10,530   38,806   631,691   670,497   2,709
 
The following table presents the Company’s non-accrual loans as of June 30, 2012 and December 31, 2011:
 
(Dollars in thousands)
     
 
June 30, 2012
 
December 31, 2011
Real estate loans
     
     Construction and land development
$ 12,624   13,257
     Single-family residential
  4,626   5,522
     Commercial
  3,234   2,451
     Multifamily and farmland
  -      -   
          Total real estate loans
  20,484   21,230
         
Commercial loans (not secured by real estate)
  575   403
Consumer loans (not secured by real estate)
  15   152
     Total
$ 21,074   21,785
 
 
 
11

 
 
At each reporting period, the Bank determines which loans are impaired.  Accordingly, the Bank’s impaired loans are reported at their estimated fair value on a non-recurring basis.  An allowance for each impaired loan, which is generally collateral-dependent, is calculated based on the fair value of its collateral.  The fair value of the collateral is based on appraisals performed by REAS, a subsidiary of the Bank.  REAS is staffed by certified appraisers that also perform appraisals for other companies.   Factors including the assumptions and techniques utilized by the appraiser are considered by management.  If the recorded investment in the impaired loan exceeds the measure of fair value of the collateral, a valuation allowance is recorded as a component of the allowance for loan losses.  Impaired loans under $250,000 are not individually evaluated for impairment, with the exception of the Bank’s troubled debt restructured (“TDR”) loans in the residential mortgage loan portfolio, which are individually evaluated for impairment.  Accruing impaired loans were $35.0 million, $20.3 million and $30.6 million at June 30, 2012, June 30, 2011 and December 31, 2011, respectively.  Interest income recognized on accruing impaired loans was $1.1 million, $595,000 and $1.7 million for the six months ended June 30, 2012, the six months ended June 30, 2011 and the year ended December 31, 2011, respectively.  No interest income is recognized on non-accrual impaired loans subsequent to their classification as impaired.

The following tables present the Company’s impaired loans as of June 30, 2012 and December 31, 2011:

June 30, 2012
                   
(Dollars in thousands)
                   
 
Unpaid Contractual Principal
Balance
 
Recorded Investment
With No Allowance
 
Recorded Investment
With
Allowance
 
Recorded Investment
in Impaired
Loans
 
Related
Allowance
 
Average Outstanding Impaired
Loans
Real estate loans
                     
     Construction and land development
$ 28,750   12,377   7,960   20,337   2,470   14,990
     Single-family residential
  29,103   5,475   22,927   28,402   1,533   28,841
     Commercial
  6,250   5,018   663   5,681   299   4,872
     Multifamily and farmland
  201   201   -      201   -      202
          Total impaired real estate loans
  64,304   23,071   31,550   54,621   4,302   48,905
                         
Commercial loans (not secured by real estate)
  1,408   1,408   -      1,408   15   1,222
Consumer loans (not secured by real estate)
  22   -      17   17   -      42
     Total impaired loans
$ 65,734   24,479   31,567   56,046   4,317   50,169
 
 
December 31, 2011
                   
(Dollars in thousands)
                   
 
Unpaid Contractual Principal
Balance
 
Recorded Investment
With No Allowance
 
Recorded Investment
With
Allowance
 
Recorded Investment
in Impaired
Loans
 
Related
Allowance
 
Average Outstanding Impaired
Loans
Real estate loans
                     
     Construction and land development
$ 28,721   14,484   6,098   20,582   3,264   17,848
     Single-family residential
  26,382   969   24,719   25,688   1,427   25,102
     Commercial
  7,717   3,845   3,139   6,984   77   4,518
     Multifamily and farmland
  209   -      209   209   1   214
          Total impaired real estate loans
  63,029   19,298   34,165   53,463   4,769   47,682
                         
Commercial loans (not secured by real estate)
  1,111   -      1,083   1,083   26   1,485
Consumer loans (not secured by real estate)
  157   -      152   152   2   140
     Total impaired loans
$ 64,297   19,298   35,400   54,698   4,797   49,307
 
Changes in the allowance for loan losses for the six months ended June 30, 2012 and the year ended December 31, 2011 were as follows:
 
 
 
12

 

 
Six months ended June 30, 2012
                     
(Dollars in thousands)
                         
 
Real Estate Loans
                 
 
Construction and Land Development
 
Single-
Family Residential
 
Commercial
 
Multifamily
and
Farmland
 
Commercial
 
Consumer
and All
Other
 
Unallocated
 
Total
 
Allowance for loan losses:
                             
Beginning balance
$ 7,182   5,357   1,731   13   1,029   255   1,037   16,604  
Charge-offs
  (2,381 ) (861 ) (523 ) -   (343 ) (268 ) -   (4,376 )
Recoveries
  218   69   374   -   11   88   -   760  
Provision
  2,626   561   (66 ) -   (68 ) 116   483   3,652  
Ending balance
$ 7,645   5,126   1,516   13   629   191   1,520   16,640  
                                   
Ending balance: individually
                             
evaluated for impairment
$ 1,101   1,364   -   -   -   -   -   2,465  
Ending balance: collectively
                             
 evaluated for impairment
  6,544   3,762   1,516   13   629   191   1,520   14,175  
Ending balance
$ 7,645   5,126   1,516   13   629   191   1,520   16,640  
                                   
Loans:
                                 
Ending balance
$ 86,498   255,339   207,245   5,285   59,416   29,032   -   642,815  
                                   
Ending balance: individually
                             
evaluated for impairment
$ 19,789   23,452   4,961   -   362   -   -   48,564  
Ending balance: collectively
                             
 evaluated for impairment
$ 66,709   231,887   202,284   5,285   59,054   29,032   -   594,251  
 
 
Year ended December 31, 2011
                     
(Dollars in thousands)
                       
 
Real Estate Loans
                 
 
Construction and Land Development
 
Single-
Family Residential
 
Commercial
 
Multifamily and
Farmland
 
Commercial
 
Consumer
and All
Other
 
Unallocated
 
Total
 
Allowance for loan losses:
                             
Beginning balance
$ 5,774   6,097   1,409   17   1,174   430   592   15,493  
Charge-offs
  (7,164 ) (2,925 ) (1,271 ) -   (314 ) (586 ) -   (12,260 )
Recoveries
  241   201   24   -   121   152   -   739  
Provision
  8,331   1,984   1,569   (4 ) 48   259   445   12,632  
Ending balance
$ 7,182   5,357   1,731   13   1,029   255   1,037   16,604  
                                   
Ending balance: individually
                             
evaluated for impairment
$ 1,250   1,289   -   -   -   -   -   2,539  
Ending balance: collectively
                             
 evaluated for impairment
  5,932   4,068   1,731   13   1,029   255   1,037   14,065  
Ending balance
$ 7,182   5,357   1,731   13   1,029   255   1,037   16,604  
                                   
Loans:
                                 
Ending balance
$ 93,812   267,051   214,415   4,793   60,646   29,780   -   670,497  
                                   
Ending balance: individually
                             
evaluated for impairment
$ 20,280   20,661   3,845   -   -   -   -   44,786  
Ending balance: collectively
                             
 evaluated for impairment
$ 73,532   246,390   210,570   4,793   60,646   29,780   -   625,711  
 
The Company utilizes an internal risk grading matrix to assign a risk grade to each of its loans.  Loans are graded on a scale of 1 to 9.  These risk grades are evaluated on an ongoing basis.  A description of the general characteristics of the nine risk grades is as follows:

·  
Risk Grade 1 – Excellent Quality: Loans are well above average quality and a minimal amount of credit risk exists.  CD or cash secured loans or properly margined actively traded stock or bond secured loans would fall in this grade.
·  
Risk Grade 2 – High Quality: Loans are of good quality with risk levels well within the Company’s range of acceptability.  The organization or individual is established with a history of successful performance though somewhat susceptible to economic changes.
·  
Risk Grade 3 – Good Quality: Loans of average quality with risk levels within the Company’s range of acceptability but higher than normal. This may be a new organization or an existing organization in a transitional phase (e.g. expansion, acquisition, market change).

 
 
13

 
 

·  
Risk Grade 4 – Management Attention: These loans have very high risk and servicing needs but still are acceptable. Evidence of marginal performance or deteriorating trends are evident.  These are not problem credits presently, but may be in the future if the borrower is unable to change its present course.
·  
Risk Grade 5 – Watch: These loans are currently performing satisfactorily, but there are potential weaknesses that may, if not corrected, weaken the asset or inadequately protect the Company’s position at some future date.  This frequently results from deviating from prudent lending practices, for instance over-advancing on collateral.
·  
Risk Grade 6 – Substandard: A Substandard loan is inadequately protected by the current sound net worth and paying capacity of the obligor or the collateral pledged (if there is any).  There is a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.  There is a distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.
·  
Risk Grade 7 – Low Substandard: These loans have the general characteristics of a Grade 6 Substandard loan, with heightened potential concerns.  The exact amount of loss is not yet known because neither the liquidation value of the collateral nor the borrower’s predicted repayment ability is known with confidence.
·  
Risk Grade 8 – Doubtful: Loans classified as Doubtful have all the weaknesses inherent in loans classified Substandard, plus the added characteristic that the weaknesses make collection or liquidation in full on the basis of currently existing facts, conditions, and values highly questionable and improbable.  Doubtful is a temporary grade where a loss is expected but is presently not quantified with any degree of accuracy. Once the loss position is determined, the amount is charged off.
·  
Risk Grade 9 – Loss: Loans classified as Loss are considered uncollectable and of such little value that their continuance as bankable assets is not warranted.  This classification does not mean that the asset has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off this worthless loan even though partial recovery may be realized in the future.  Loss is a temporary grade until the appropriate authority is obtained to charge the loan off.
 
The following tables present the credit risk profile of each loan type based on internally assigned risk grades as of June 30, 2012 and December 31, 2011.
 
June 30, 2012
                       
(Dollars in thousands)
                       
 
Real Estate Loans
               
 
Construction and Land Development
 
Single-
Family Residential
 
Commercial
 
Multifamily
and
Farmland
 
Commercial
 
Consumer
 
All Other
 
Total
                               
1- Excellent Quality
$ 193   22,425   -   -   902   1,320   -   24,840
2- High Quality
  5,506   61,133   24,729   41   8,293   4,170   2,611   106,483
3- Good Quality
  26,624   94,484   123,709   3,637   36,186   4,065   16,210   304,915
4- Management Attention
  26,320   46,754   47,325   686   12,503   374   6   133,968
5- Watch
  11,861   11,701   5,263   720   325   115   -   29,985
6- Substandard
  15,994   18,842   6,219   201   1,182   161   -   42,599
7- Low Substandard
  -   -   -   -   -   -   -   -
8- Doubtful
  -   -   -   -   -   -   -   -
9- Loss
  -   -   -   -   25   -   -   25
      Total
$ 86,498   255,339   207,245   5,285   59,416   10,205   18,827   642,815
 
December 31, 2011
                       
(Dollars in thousands)
                       
 
Real Estate Loans
               
 
Construction and Land Development
 
Single-
Family Residential
 
Commercial
 
Multifamily
and
Farmland
 
Commercial
 
Consumer
 
All Other
 
Total
                               
1- Excellent Quality
$ 197   25,474   -   -   715   1,344   -   27,730
2- High Quality
  5,183   64,817   25,506   50   8,801   4,070   2,774   111,201
3- Good Quality
  27,675   100,388   136,137   3,448   36,585   4,259   16,509   325,001
4- Management Attention
  28,138   50,253   40,312   358   12,882   429   7   132,379
5- Watch
  15,923   11,767   2,795   728   622   89   -   31,924
6- Substandard
  16,696   14,352   9,665   209   1,041   154   -   42,117
7- Low Substandard
  -   -   -   -   -   -   -   -
8- Doubtful
  -   -   -   -   -   -   -   -
9- Loss
  -   -   -   -   -   145   -   145
      Total
$ 93,812   267,051   214,415   4,793   60,646   10,490   19,290   670,497
 
 
 
14

 
 
At June 30, 2012, TDR loans were $22.7 million, including $1.7 million in performing TDR loans.  Effective March 31, 2012, performing TDR balances reflect current year TDR loans only, in accordance with GAAP.  Previously reported TDR amounts reflect cumulative TDR loans from prior periods in addition to current year TDR loans.  At December 31, 2011, TDR loans were $44.1 million, including $15.1 million in performing TDR loans.   The terms of these loans have been renegotiated to provide a reduction in principal or interest as a result of the deteriorating financial position of the borrower.

The following table presents an analysis of TDR loans by loan type as of June 30, 2012 and December 31, 2011.
 
June 30, 2012
         
(Dollars in thousands)
         
 
Number of Contracts
 
Pre-Modification Outstanding
Recorded
Investment
 
Post-Modification Outstanding
Recorded
Investment
Real estate loans
         
     Construction and land development
22   $ 17,661   10,990
     Single-family residential
100     10,557   9,726
     Commercial
7     3,829   1,648
          Total real estate TDR loans
129     32,047   22,364
             
Commercial loans (not secured by real estate)
9     503   379
Consumer loans (not secured by real estate)
3     7   5
     Total TDR loans
141   $ 32,557   22,748
 
December 31, 2011
         
(Dollars in thousands)
         
 
Number of
Contracts
 
Pre-Modification Outstanding
Recorded
Investment
 
Post-Modification Outstanding
Recorded
Investment
Real estate loans
         
     Construction and land development
29   $ 19,762   12,840
     Single-family residential
241     25,541   24,846
     Commercial
15     7,200   5,013
     Multifamily and Farmland
1     322   209
          Total real estate TDR loans
286     52,825   42,908
             
Commercial loans (not secured by real estate)
21     1,711   1,083
Consumer loans (not secured by real estate)
8     124   142
     Total TDR loans
315   $ 54,660   44,133
 
(4)
    Net Earnings Per Common Share
 
Net earnings per common share is based on the weighted average number of common shares outstanding during the period while the effects of potential common shares outstanding during the period are included in diluted earnings per common share.  The average market price during the year is used to compute equivalent shares.

The reconciliation of the amounts used in the computation of both “basic earnings per common share” and “diluted earnings per common share” for the three and six months ended June 30, 2012 and 2011 is as follows:
 
For the three months ended June 30, 2012
         
 
Net Earnings Available to Common Shareholders (Dollars in thousands)
 
Common Shares
 
Per Share Amount
           
Basic earnings per common share
$ 1,161   5,544,160   $ 0.21
Effect of dilutive securities:
             
Stock options
  -      3,928      
Diluted earnings per common share
$ 1,161   5,548,088   $ 0.21
               
 
 
 
15

 

 
For the six months ended June 30, 2012
         
 
Net Earnings Available to Common Shareholders (Dollars in thousands)
 
Common Shares
 
Per Share Amount
           
Basic earnings per common share
$ 2,471   5,544,160   $ 0.45
Effect of dilutive securities:
             
Stock options
  -     1,964      
Diluted earnings per common share
$ 2,471   5,546,124   $ 0.45
               
For the three months ended June 30, 2011
         
 
Net Earnings Available to Common Shareholders (Dollars in thousands)
 
Common Shares
 
Per Share Amount
           
Basic earnings per common share
$ 281   5,542,703   $ 0.05
Effect of dilutive securities:
             
Stock options
  -     1,739      
Diluted earnings per common share
$ 281   5,544,442   $ 0.05
               
For the six months ended June 30, 2011
             
 
Net Earnings Available to Common Shareholders (Dollars in thousands)
 
Common Shares
 
Per Share Amount
               
Basic earnings per common share
$ 1,293   5,542,126   $ 0.23
Effect of dilutive securities:
             
Stock options
  -     1,646      
Diluted earnings per common share
$ 1,293   5,543,772   $ 0.23

(5)
    Stock-Based Compensation
 
The Company has an Omnibus Stock Ownership and Long Term Incentive Plan (the “1999 Plan”) whereby certain stock-based rights, such as stock options, restricted stock, restricted stock units, performance units, stock appreciation rights, or book value shares, may be granted to eligible directors and employees.

Under the 1999 Plan, the Company granted incentive stock options to certain eligible employees in order that they may purchase Company stock at a price equal to the fair market value on the date of the grant.  The options granted in 1999 vested over a five-year period.  Options granted subsequent to 1999 vested over a three-year period.  All options expire ten years after issuance.   The 1999 Plan expired on May 13, 2009.

The Company granted 3,000 restricted stock units in 2007 at a grant date fair value of $17.40 per share. The Company granted 1,750 restricted stock units at a grant date fair value of $12.80 per share during the third quarter of 2008 and 2,000 restricted stock units at a fair value of $11.37 per share during the fourth quarter of 2008. The Company recognizes compensation expense on the restricted stock units over the period of time the restrictions are in place (three years from the grant date for the grants to date).  The amount of expense recorded each period reflects the changes in the Company’s stock price during the period.  As of June 30,2012, there was no unrecognized compensation cost related to 2007 and 2008 restricted stock unit grants.

The Company also has an Omnibus Stock Ownership and Long Term Incentive Plan that was approved by shareholders’ on May 7, 2009 (the “2009 Plan”) whereby certain stock-based rights, such as stock options, restricted stock, restricted stock units, performance units, stock appreciation rights, or book value shares, may be granted to eligible directors and employees.  A total of 330,486 shares are currently reserved for possible issuance under the 2009 Plan.   All rights must be granted or awarded within ten years from the May 7, 2009 effective date of the 2009 Plan.
 
 
16

 
 
The Company granted 29,514 restricted stock units in March 2012 at a grant date fair value of $7.90 per share. The Company recognizes compensation expense on the restricted stock units over the period of time the restrictions are in place (five years from the grant date for the grants to date).  The amount of expense recorded each period reflects the changes in the Company’s stock price during the period.  As of June 30, 2012, the total unrecognized compensation cost related to 2012 restricted stock unit grants was $219,000.
 
(6)
Fair Value

The Company is required to disclose fair value information about financial instruments, whether or not recognized on the face of the balance sheet, for which it is practicable to estimate that value. The assumptions used in the estimation of the fair value of the Company’s financial instruments are detailed below. Where quoted prices are not available, fair values are based on estimates using discounted cash flows and other valuation techniques. The use of discounted cash flows can be significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. The following disclosures should not be considered a surrogate of the liquidation value of the Company, but rather a good faith estimate of the increase or decrease in value of financial instruments held by the Company since purchase, origination, or issuance.

The Company groups assets and liabilities at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value.  These levels are:

·  
Level 1 – Valuation is based upon quoted prices for identical instruments traded in active markets.
·  
Level 2 – Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market.
·  
Level 3 – Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market.  These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset or liability.  Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques.

Cash and Cash Equivalents
For cash, due from banks and interest bearing deposits, the carrying amount is a reasonable estimate of fair value.

Investment Securities Available for Sale
Fair values of investment securities available for sale are determined by obtaining quoted prices on nationally recognized securities exchanges when available.  If quoted prices are not available, fair value is determined using matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities.  Fair values for investment securities with quoted market prices are reported in the Level 1 fair value category.  Fair value measurements obtained from independent pricing services are reported in the Level 2 fair value category.  All other fair value measurements are reported in the Level 3 fair value category.

Other Investments
For other investments, the carrying value is a reasonable estimate of fair value.

Mortgage Loans Held for Sale
Mortgage loans held for sale are carried at lower of aggregate cost or market value.  The cost of mortgage loans held for sale approximates the market value.  Mortgage loans held for sale are reported  in the Level 3 fair value category.

Loans
The fair value of fixed rate loans is estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings. For variable rate loans, the carrying amount is a reasonable estimate of fair value.  Impaired loans with current certified appraisals are included in the Level 2 fair value category.  All other loans are included in the Level 3 fair value category, as the pricing of loans is more subjective than the pricing of other financial instruments.
 
 
 
17

 
 
Cash Surrender Value of Life Insurance
For cash surrender value of life insurance, the carrying value is a reasonable estimate of fair value.
 
Other Real Estate
The fair value of other real estate is based upon independent market prices, appraised values of the collateral or management's estimation of the value of the collateral. Other real estate is reported in the Level 3 fair value category.

Derivative Instruments
For derivative instruments, fair value is estimated as the amount that the Company would receive or pay to terminate the contracts at the reporting date, taking into account the current unrealized gains or losses on open contracts.

Deposits
The fair value of demand deposits, interest-bearing demand deposits and savings is the amount payable on demand at the reporting date. The fair value of certificates of deposit is estimated by discounting the future cash flows using the rates currently offered for deposits of similar remaining maturities.

Securities Sold Under Agreements to Repurchase
For securities sold under agreements to repurchase, the carrying value is a reasonable estimate of fair value.

Federal Home Loan Bank (“FHLB”) Borrowings
The fair value of FHLB borrowings is estimated based upon discounted future cash flows using a discount rate comparable to the current market rate for such borrowings.

Junior Subordinated Debentures
Because the Company’s junior subordinated debentures were issued at a floating rate, the carrying amount is a reasonable estimate of fair value.

Commitments to Extend Credit and Standby Letters of Credit
Commitments to extend credit and standby letters of credit are generally short-term and at variable interest rates. Therefore, both the carrying value and estimated fair value associated with these instruments are immaterial.

Limitations
Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on many judgments. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

Fair value estimates are based on existing on and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Significant assets and liabilities that are not considered financial instruments include deferred income taxes and premises and equipment. In addition, the tax ramifications related to the realization of unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates.

GAAP establishes a framework for measuring fair value and expands disclosures about fair value measurements. There is a three-level fair value hierarchy for fair value measurements.  Level 1 inputs are quoted prices in active markets for identical assets or liabilities that a company has the ability to access at the measurement date. Level 2 inputs are inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly. Level 3 inputs are unobservable inputs for the asset or liability.   The following tables present the balance of securities available for sale, mortgage loans held for sale and derivatives, which are measured at fair value on a recurring basis by level within the fair value hierarchy as of June 30, 2012 and December 31, 2011.
 
 
18

 

 
(Dollars in thousands)
             
 
June 30, 2012
 
Fair Value Measurements
 
Level 1
Valuation
 
Level 2
Valuation
 
Level 3
Valuation
Mortgage-backed securities
$ 166,021   -   166,021   -
U.S. Government
               
sponsored enterprises
$ 2,930   -   2,930   -
State and political subdivisions
$ 107,675   -   107,675   -
Corporate bonds
$ 1,545   -   1,545   -
Trust preferred securities
$ 1,250   -   -   1,250
Equity securities
$ 1,314   1,314   -   -
Mortgage loans held for sale
$ 3,753   -   -   3,753
 
(Dollars in thousands)
             
 
December 31, 2011
 
Fair Value Measurements
 
Level 1
Valuation
 
Level 2
Valuation
 
Level 3
Valuation
Mortgage-backed securities
$ 213,693   -   208,349   5,344
U.S. Government
               
sponsored enterprises
$ 7,694   -   7,694   -
State and political subdivisions
$ 97,097   -   97,097   -
Corporate bonds
$ 543   -   543   -
Trust preferred securities
$ 1,250   -   -   1,250
Equity securities
$ 1,111   1,111   -   -
Mortgage loans held for sale
$ 5,146   -   -   5,146
 
The following is an analysis of fair value measurements of investment securities available for sale using Level 3, significant unobservable inputs, for the six months ended June 30, 2012.  Transfers out of Level 3 during the six months ended June 30, 2012 are attributable to one available for sale security reported in Level 3 at December 31, 2011 because market pricing was unavailable from the Bank’s third party bond accounting provider at that time.  This security was reported in Level 2 at June 30, 2012, as the market valuation was provided by the Bank’s third party bond accounting provider.
 
(Dollars in thousands)
   
 
Investment Securities Available for Sale
 
 
Level 3 Valuation
 
Balance, beginning of period
$ 6,594  
Change in book value
  -  
Change in gain/(loss) realized and unrealized
  -  
Purchases/(sales)
  -  
Transfers in and/or (out) of Level 3
  (5,344 )
Balance, end of period
$ 1,250  
       
Change in unrealized gain/(loss) for assets still held in Level 3
$ -  
 
The Company’s June 30, 2012 and December 31, 2011 fair value measurement for impaired loans and other real estate on a non-recurring basis is presented below:
 
(Dollars in thousands)
                 
 
Fair Value Measurements June
30, 2012
 
Level 1 Valuation
 
Level 2 Valuation
 
Level 3 Valuation
 
Total Gains/(Losses) for
the Six Months Ended
June 30, 2012
 
Impaired loans
$ 51,729   -   345   51,384   (4,217 )
Other real estate
$ 6,505   -   -   6,505   (384 )
 
 
 
19

 
 
 
(Dollars in thousands)
                 
 
Fair Value Measurements December 31, 2011
 
Level 1 Valuation
 
Level 2 Valuation
 
Level 3 Valuation
 
Total Gains/(Losses) for
the Year Ended
December 31, 2011
 
Impaired loans
$ 49,901   -   431   49,470   (11,864 )
Other real estate
$ 7,576   -   -   7,576   (1,322 )
 
The carrying amount and estimated fair value of the Company’s financial instruments at June 30, 2012 and December 31, 2011 are as follows:
 
(Dollars in thousands)
                 
     
Fair Value Measurements at June 30, 2012
 
Carrying
Amount
 
Level 1
 
Level 2
 
Level 3
 
Total
Assets:
                 
Cash and cash equivalents
$ 69,477   69,477   -   -   69,477
Investment securities available for sale
  280,735   1,314   278,171   1,250   280,735
Other investments
  5,734   -   -   5,734   5,734
Mortgage loans held for sale
  3,753   -   -   3,753   3,753
Loans, net
  626,175   -   345   619,259   619,604
Cash surrender value of life insurance
  13,040   -   13,040   -   13,040
                     
Liabilities:
                   
Deposits
$ 780,546   -   779,500   -   779,500
Securities sold under agreements
                   
to repurchase
  50,510   -   50,510   -   50,510
FHLB borrowings
  70,000   -   75,508   -   75,508
Junior subordinated debentures
  20,619   -   20,619   -   20,619
 
(Dollars in thousands)
     
 
December 31, 2011
 
Carrying
Amount
 
Estimated
Fair Value
Assets:
     
Cash and cash equivalents
$ 29,236   29,236
Investment securities available for sale
  321,388   321,388
Other investments
  5,712   5,712
Mortgage loans held for sale
  5,146   5,146
Loans, net
  653,893   648,640
Cash surrender value of life insurance
  12,835   12,835
         
Liabilities:
       
Deposits and demand notes payable
$ 827,111   826,810
Securities sold under agreements
       
to repurchase
  39,600   39,600
FHLB borrowings
  70,000   75,046
Junior subordinated debentures
  20,619   20,619
 
 (7)
Derivative Instruments and Hedging Activities

Accounting Policy for Derivative Instruments and Hedging Activities
The disclosure requirements for derivatives and hedging activities have the intent to provide users of financial statements with an enhanced understanding of: (a) how and why an entity uses derivative instruments, (b) how derivative instruments and related hedged items are accounted for and (c) how derivative instruments and related hedged items affect an entity’s financial position, financial performance, and cash flows.  The disclosure requirements include qualitative disclosures about objectives and strategies for using derivatives, quantitative disclosures about the fair value of and gains and losses on derivative instruments, and disclosures about credit-risk-related contingent features in derivative instruments.
 
 
20

 

The Company records all derivatives on the balance sheet at fair value.  The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship and apply hedge accounting and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Hedge accounting generally provides for the matching of the timing of gain or loss recognition on the hedging instrument with the recognition of the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk in a fair value hedge or the earnings effect of the hedged forecasted transactions in a cash flow hedge.  The Company may enter into derivative contracts that are intended to economically hedge certain of its risks, even though hedge accounting does not apply or the Company elects not to apply hedge accounting.

Risk Management Objective of Using Derivatives
The Company has an overall interest rate risk management strategy that incorporates the use of derivative instruments to minimize significant unplanned fluctuations in earnings that are caused by interest rate volatility.  By using derivative instruments, the Company is exposed to credit and market risk.  If the counterparty fails to perform, credit risk is equal to the extent of the fair value gain in the derivative.  The Company minimizes the credit risk in derivative instruments by entering into transactions with high-quality counterparties that are reviewed periodically by the Company.  The Company did not have any interest rate derivatives outstanding as of June 30, 2012 and December 31, 2011.

Fair Values of Derivative Instruments on the Balance Sheet
The Company did not have any interest rate derivatives outstanding as of June 30, 2012 and December 31, 2011.

Cash Flow Hedges of Interest Rate Risk
The Company’s objectives in using interest rate derivatives are to add stability to interest income and expense and to manage its exposure to interest rate movements. To accomplish this objective, the Company primarily uses interest rate swaps and floors as part of its interest rate risk management strategy.  For hedges of the Company’s variable-rate loan assets, interest rate swaps designated as cash flow hedges involve the receipt of fixed-rate amounts from a counterparty in exchange for the Company making variable-rate payments over the life of the agreements without exchange of the underlying notional amount.  For hedges of the Company’s variable-rate loan assets, the interest rate floors designated as a cash flow hedge involves the receipt of variable-rate amounts from a counterparty if interest rates fall below the strike rate on the contract in exchange for an up front premium.  The Company had an interest rate swap contract that expired in June 2011.  The Company did not have any interest rate derivatives outstanding as of June 30, 2012 and December 31, 2011.

The effective portion of changes in the fair value of derivatives designated and that qualify as cash flow hedges is recorded in "Accumulated Other Comprehensive Income" and is subsequently reclassified into earnings in the period that the hedged forecasted transaction affects earnings.  Such derivatives were used to hedge the variable cash inflows associated with existing pools of prime-based loan assets during 2011.  The ineffective portion of the change in fair value of the derivatives is recognized directly in earnings.  The Company’s derivatives did not have any hedge ineffectiveness recognized in earnings during the six months ended June 30, 2012 and 2011.

Effect of Derivative Instruments on the Income Statement
The table below presents the effect of the Company’s derivative financial instruments on the statement of earnings for the six months ended June 30, 2012 and 2011.
 
(Dollars in thousands)
                 
                   
 
Amount of Gain
(Loss) Recognized in
Accumulated OCI on
Derivatives
 
Location of Gain
(Loss) Reclassified
from Accumulated
OCI into Income
 
Amount of Gain
(Loss) Reclassified
from Accumulated
OCI into Income
 
Six months ended
June 30,
     
Six months ended
June 30,
 
2012
 
2011
     
2012
 
2011
Interest rate derivative contracts
 $           -        
 
 $      (20)       
 
Interest income
 
 $           -       
 
 $      628       
 
 
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(8)
TARP Repurchase

The Company purchased 12,530 shares of the Company’s 25,054 outstanding shares of preferred stock from the U.S. Department of the Treasury (“UST”), which was issued to UST in connection with the Company’s participation in the Capital Purchase Program (“CPP”) under the Troubled Asset Relief Program (“TARP”) in 2008.  The shares were purchased for $933.36 per share, for a total purchase price of $11,778,575.90, including $83,575.10 accrued and unpaid dividends on the preferred stock.  The Company retired the 12,530 shares purchased.  The $834,999.20 difference between the $12,530,000 face value of the preferred stock retired and the $11,695,000.80 purchase price of the preferred stock retired was credited to retained earnings effective June 30, 2012.
 
 


 
22

 
 
Item 2.    Management's Discussion and Analysis of Financial Condition and Results of Operations

The following is a discussion of our financial position and results of operations and should be read in conjunction with the information set forth under Item 1A Risk Factors and the Company’s Consolidated Financial Statements and Notes thereto on pages A-28  through A-63 of the Company’s 2011 Annual Report to Shareholders which is Appendix A to the Proxy Statement for the May 3, 2012 Annual Meeting of Shareholders.

Introduction
Management’s discussion and analysis of earnings and related data are presented to assist in understanding the consolidated financial condition and results of operations of the Company. The Company is the parent company of the Bank and a registered bank holding company operating under the supervision of the Board of Governors of the Federal Reserve System (the “Federal Reserve”). The Bank is a North Carolina-chartered bank, with offices in Catawba, Lincoln, Alexander, Mecklenburg, Iredell, Union and Wake counties, operating under the banking laws of North Carolina and the rules and regulations of the Federal Deposit Insurance Corporation (the “FDIC”).

Overview
Our business consists principally of attracting deposits from the general public and investing these funds in commercial loans, real estate mortgage loans, real estate construction loans and consumer loans. Our profitability depends primarily on our net interest income, which is the difference between the income we receive on our loan and investment securities portfolios and our cost of funds, which consists of interest paid on deposits and borrowed funds. Net interest income also is affected by the relative amounts of our interest-earning assets and interest-bearing liabilities. When interest-earning assets approximate or exceed interest-bearing liabilities, a positive interest rate spread will generate net interest income. Our profitability is also affected by the level of other income and operating expenses. Other income consists primarily of miscellaneous fees related to our loans and deposits, mortgage banking income and commissions from sales of annuities and mutual funds. Operating expenses consist of compensation and benefits, occupancy related expenses, federal deposit and other insurance premiums, data processing, advertising and other expenses.

Our operations are influenced significantly by local economic conditions and by policies of financial institution regulatory authorities. The earnings on our assets are influenced by the effects of, and changes in, trade, monetary and fiscal policies and laws, including interest rate policies of the Federal Reserve, inflation, interest rates, market and monetary fluctuations.  Lending activities are affected by the demand for commercial and other types of loans, which in turn is affected by the interest rates at which such financing may be offered.  Our cost of funds is influenced by interest rates on competing investments and by rates offered on similar investments by competing financial institutions in our market area, as well as general market interest rates. These factors can cause fluctuations in our net interest income and other income. In addition, local economic conditions can impact the credit risk of our loan portfolio, in that (1) local employers may be required to eliminate employment positions of individual borrowers, and (2) small businesses and commercial borrowers may experience a downturn in their operating performance and become unable to make timely payments on their loans. Management evaluates these factors in estimating its allowance for loan losses and changes in these economic factors could result in increases or decreases to the provision for loan losses.

Economic conditions in 2012 continue to have a negative impact on our financial condition and results of operations.  Unfavorable economic indicators, such as high unemployment, falling real estate prices and higher than normal levels of loan defaults demonstrate the difficult business conditions that are affecting the general economy and therefore our operating results.  The unemployment rates in our primary market area continue to be higher than state and national averages.

On July 21, 2010, President Obama signed the Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Dodd-Frank Act”) into law. This new legislation makes extensive changes to the laws regulating financial products and services as well as firms and companies offering financial products and services. The Dodd-Frank Act also alters certain corporate governance matters affecting public companies. The legislation requires substantial rulemaking and mandates numerous additional studies, the results of which could impact future legislative and regulatory action. We continue to evaluate this new legislation including its related rules and regulations, and we are assessing the extent to which it will impact our current and future operations. Among other things that could have an impact on our operations and activities, the Dodd-Frank Act (i) amends the manner for calculating the assessment base for deposit insurance premiums paid to the FDIC; (ii) requires the federal banking agencies to issue new rules to implement new minimum leverage and risk-based capital requirements for insured depository institutions; and (iii) requires the Securities and Exchange Commission to complete studies and develop rules or approve stock exchange rules regarding various investor protection issues, including shareholder access to the proxy process, and various matters pertaining to executive compensation and compensation committee oversight. Additionally, the Dodd-Frank Act establishes the Consumer Financial Protection Bureau (“Bureau”) as a new, independent federal agency, which will have broad rulemaking, supervisory and enforcement authority over financial institutions providing consumer financial products and services. Examples of such products and services include deposit products, residential mortgages, home-equity loans and credit cards. Under the Dodd-Frank Act, states are permitted to adopt more stringent consumer protection laws, and state attorneys general can enforce those laws as well as consumer protection rules issued by the Bureau.
 
 
23

 
 
While we are unable to determine all ramifications of the Dodd-Frank Act at this time, we expect that many of the requirements called for in the Dodd-Frank Act will be implemented over time, and most will be subject to implementing regulations over the course of several years.  Given the uncertainty associated with the manner in which the provisions of the Dodd-Frank Act will be implemented by the various regulatory agencies, the full extent of the impact of such requirements will have on financial institutions’ operations is unclear. The changes resulting from the Dodd-Frank Act may impact the profitability of our business activities, require changes to certain of our business practices, impose upon us more stringent capital, liquidity and leverage ratio requirements or otherwise adversely affect our business.  These changes may also require us to invest significant management attention and resources to evaluate and make necessary changes in order to comply with new statutory and regulatory requirements.

Although we are unable to control the external factors that influence our business, by maintaining high levels of balance sheet liquidity, managing our interest rate exposures and by actively monitoring asset quality, we seek to minimize the potentially adverse risks of unforeseen and unfavorable economic trends.

Our business emphasis has been to operate as a well-capitalized, profitable and independent community-oriented financial institution dedicated to providing quality customer service. We are committed to meeting the financial needs of the communities in which we operate. We believe that we can be more effective in servicing our customers than many of our non-local competitors because of our ability to quickly and effectively provide senior management responses to customer needs and inquiries. Our ability to provide these services is enhanced by the stability of our senior management team.

The Federal Reserve has maintained the Federal Funds Rate at 0.25% since December 2008.  This historically low rate has had a negative impact on earnings and will continue to have a negative impact on our net interest income in future periods.  The negative impact of low interest rates has been partially offset by earnings realized on interest rate contracts utilized by the Bank.  Additional information regarding the Bank’s interest rate contacts is provided below in the section entitled “Asset Liability and Interest Rate Risk Management.”

On December 23, 2008, the Company entered into a Securities Purchase Agreement (“Purchase Agreement”) with the UST pursuant to the CPP under TARP.  Under the Purchase Agreement, the Company agreed to issue and sell 25,054 shares of Series A preferred stock and a warrant to purchase 357,234 shares of the Company’s common stock.  Proceeds from this issuance of Series A preferred shares were allocated between preferred stock and the warrant based on their relative fair values at the time of the sale.  Of the $25.1 million in proceeds, $24.4 million was allocated to the Series A preferred stock and $704,000 was allocated to the warrant.  The discount recorded on the Series A preferred stock that resulted from allocating a portion of the proceeds to the warrant is being accreted directly to retained earnings over a five-year period applying a level yield.  As of June 30, 2012, the Company has accreted a total of $478,000 of the discount related to the Series A preferred stock.  

The Series A preferred stock qualifies as Tier 1 capital and will pay cumulative dividends at a rate of 5% per annum for the first five years and 9% per annum thereafter.  The Series A preferred stock may be redeemed at the stated amount of $1,000 per share plus any accrued and unpaid dividends.  Under the terms of the original Purchase Agreement, the Company could not redeem the Series A preferred shares until December 23, 2011 unless the total amount of the issuance, $25.1 million, was replaced with the same amount of other forms of capital that would qualify as Tier 1 capital.  However, with the enactment of the American Recovery and Reinvestment Act of 2009 (“ARRA”), the Company can now redeem the Series A preferred shares at any time, if approved by the Company’s primary regulator.  The Series A preferred stock is non-voting except for class voting rights on matters that would adversely affect the rights of the holders of the Series A preferred stock.
 
The exercise price of the warrant is $10.52 per common share and it is exercisable at anytime on or before December 18, 2018.

The UST sold all of the Company’s CPP preferred stock in a public auction during the second quarter of 2012, and, as a result, the Company is no longer subject to the executive compensation and corporate governance standards imposed by the TARP.  The Company purchased 12,530 shares of the Company’s 25,054 outstanding shares of preferred stock from the UST, which was issued to the UST in connection with the Company’s participation in the CPP under the TARP in 2008.  The shares were purchased for $933.36 per share, for a total purchase price of $11,778,575.90, including $83,575.10 accrued and unpaid dividends on the preferred stock.  The Company retired the 12,530 shares purchased.  The $834,999.20 difference between the $12,530,000 face value of the preferred stock retired and the $11,695,000.80 purchase price of the preferred stock retired was credited to retained earnings effective June 30, 2012.  Remaining preferred shares are redeemable at any time at par.  The Company expects to be able to repurchase the shares from future earnings, however, there are no immediate plans to repurchase these shares.

 
24

 
 
Summary of Significant Accounting Policies
The Company’s accounting policies are fundamental to understanding management’s discussion and analysis of results of operations and financial condition.  Many of the Company’s accounting policies require significant judgment regarding valuation of assets and liabilities and/or significant interpretation of specific accounting guidance.  A more complete description of the Company’s significant accounting policies can be found in Note 1 of the Notes to Consolidated Financial Statements in the Company’s 2011 Annual Report to Shareholders which is Appendix A to the Proxy Statement for the May 3, 2012 Annual Meeting of Shareholders.

Many of the Company’s assets and liabilities are recorded using various techniques that require significant judgment as to recoverability.  The collectibility of loans is reflected through the Company’s estimate of the allowance for loan losses.  The Company performs periodic and systematic detailed reviews of its lending portfolio to assess overall collectibility.  In addition, certain assets and liabilities are reflected at their estimated fair value in the consolidated financial statements.  Such amounts are based on either quoted market prices or estimated values derived from dealer quotes used by the Company, market comparisons or internally generated modeling techniques.  The Company’s internal models generally involve present value of cash flow techniques.  The various techniques are discussed in greater detail elsewhere in management’s discussion and analysis and the Notes to the Consolidated Financial Statements.

There are other complex accounting standards that require the Company to employ significant judgment in interpreting and applying certain of the principles prescribed by those standards.  These judgments include, but are not limited to, the determination of whether a financial instrument or other contract meets the definition of a derivative in accordance with GAAP.

The disclosure requirements for derivatives and hedging activities have the intent to provide users of financial statements with an enhanced understanding of: (a) how and why an entity uses derivative instruments, (b) how derivative instruments and related hedged items are accounted for and (c) how derivative instruments and related hedged items affect an entity’s financial position, financial performance, and cash flows. The disclosure requirements include qualitative disclosures about objectives and strategies for using derivatives, quantitative disclosures about the fair value of and gains and losses on derivative instruments, and disclosures about credit-risk-related contingent features in derivative instruments.

The Company records all derivatives on the balance sheet at fair value.  The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship and apply hedge accounting and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Hedge accounting generally provides for the matching of the timing of gain or loss recognition on the hedging instrument with the recognition of the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk in a fair value hedge or the earnings effect of the hedged forecasted transactions in a cash flow hedge.  The Company may enter into derivative contracts that are intended to economically hedge certain of its risks, even though hedge accounting does not apply or the Company elects not to apply hedge accounting.

The Company has an overall interest rate risk management strategy that incorporates the use of derivative instruments to minimize significant unplanned fluctuations in earnings that are caused by interest rate volatility.  By using derivative instruments, the Company is exposed to credit and market risk.  If the counterparty fails to perform, credit risk is equal to the extent of the fair-value gain in the derivative.  The Company minimizes the credit risk in derivative instruments by entering into transactions with high-quality counterparties that are reviewed periodically by the Company.  The Company had an interest rate swap contract that expired in June 2011.  The Company did not have any interest rate derivatives outstanding as of June 30, 2012.

The Company’s objectives in using interest rate derivatives are to add stability to interest income and expense and to manage its exposure to interest rate movements. To accomplish this objective, the Company primarily uses interest rate swaps and floors as part of its interest rate risk management strategy.  For hedges of the Company’s variable-rate loan assets, interest rate swaps designated as cash flow hedges involve the receipt of fixed-rate amounts from a counterparty in exchange for the Company making variable-rate payments over the life of the agreements without exchange of the underlying notional amount.  For hedges of the Company’s variable-rate loan assets, the interest rate floor designated as a cash flow hedge involves the receipt of variable-rate amounts from a counterparty if interest rates fall below the strike rate on the contract in exchange for an up front premium.
 
 
25

 
 
The effective portion of changes in the fair value of derivatives designated and that qualify as cash flow hedges is recorded in “Accumulated Other Comprehensive Income” and is subsequently reclassified into earnings in the period that the hedged forecasted transaction affects earnings.  Such derivatives were used to hedge the variable cash inflows associated with existing pools of prime-based loan assets during 2011.  The ineffective portion of the change in fair value of the derivatives is recognized directly in earnings.  The Company’s derivatives did not have any hedge ineffectiveness recognized in earnings during the six months ended June 30, 2012 and 2011.

The table below presents the effect of the Company’s derivative financial instruments on the consolidated statement of earnings for the six months ended June 30, 2012 and 2011.

(Dollars in thousands)
                 
                   
 
Amount of Gain
(Loss) Recognized in
Accumulated OCI on
Derivatives
 
Location of Gain
(Loss) Reclassified
from Accumulated
OCI into Income
 
Amount of Gain
 (Loss) Reclassified
from Accumulated
OCI into Income
 
Six months ended
June 30,
     
Six months ended
June 30,
 
2012
 
2011
     
2012
 
2011
Interest rate derivative contracts
 $           -          
 
 $      (20)         
 
Interest income
 
 $           -         
 
 $      628         
 
GAAP establishes a framework for measuring fair value and expands disclosures about fair value measurements.  There is a three-level fair value hierarchy for fair value measurements.  Level 1 inputs are quoted prices in active markets for identical assets or liabilities that a company has the ability to access at the measurement date. Level 2 inputs are inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly. Level 3 inputs are unobservable inputs for the asset or liability.   The tables below present the balance of securities available for sale, mortgage loans held for sale and derivatives, which are measured at fair value on a recurring basis by level within the fair value hierarchy as of June 30, 2012 and December 31, 2011.

(Dollars in thousands)
             
 
June 30, 2012
 
Fair Value Measurements
 
Level 1
Valuation
 
Level 2
Valuation
 
Level 3
Valuation
Mortgage-backed securities
$ 166,021   -   166,021   -
U.S. Government
               
sponsored enterprises
$ 2,930   -   2,930   -
State and political subdivisions
$ 107,675   -   107,675   -
Corporate bonds
$ 1,545   -   1,545   -
Trust preferred securities
$ 1,250   -   -   1,250
Equity securities
$ 1,314   1,314   -   -
Mortgage loans held for sale
$ 3,753   -   -   3,573
 
(Dollars in thousands)
             
 
December 31, 2011
 
Fair Value Measurements
 
Level 1
Valuation
 
Level 2
Valuation
 
Level 3
Valuation
Mortgage-backed securities
$ 213,693   -   208,349   5,344
U.S. Government
               
sponsored enterprises
$ 7,694   -   7,694   -
State and political subdivisions
$ 97,097   -   97,097   -
Corporate bonds
$ 543   -   543   -
Trust preferred securities
$ 1,250   -   -   1,250
Equity securities
$ 1,111   1,111   -   -
Mortgage loans held for sale
$ 5,146   -   -   5,146
 
 
Fair values of investment securities available for sale are determined by obtaining quoted prices on nationally recognized securities exchanges when available.  If quoted prices are not available, fair value is determined using matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities.  Fair values of derivative instruments are determined using widely accepted valuation techniques including discounted cash flow analysis on the expected cash flows of each derivative. This analysis reflects the contractual terms of the derivatives, including the period to maturity, and uses observable market-based inputs, including interest rate curves and implied volatilities.

 
26

 

The following is an analysis of fair value measurements of investment securities available for sale using Level 3, significant unobservable inputs, for the six months ended June 30, 2012:

(Dollars in thousands)
   
 
Investment Securities Available for Sale
 
 
Level 3 Valuation
 
Balance, beginning of period
$ 6,594  
Change in book value
  -  
Change in gain/(loss) realized and unrealized
  -  
Purchases/(sales)
  -  
Transfers in and/or (out) of Level 3
  (5,344 )
Balance, end of period
$ 1,250  
       
Change in unrealized gain/(loss) for assets still held in Level 3
$ -  
 
The Company’s June 30, 2012 and December 31, 2011 fair value measurement for impaired loans and other real estate on a non-recurring basis is presented below:

(Dollars in thousands)
                 
 
Fair Value
Measurements June
30, 2012
 
Level 1 Valuation
 
Level 2 Valuation
 
Level 3 Valuation
 
Total Gains/(Losses) for
the Six Months Ended
June 30, 2012
 
Impaired loans
$ 51,729   -   345   51,384   (4,217 )
Other real estate
$ 6,505   -   -   6,505   (384 )
                       
(Dollars in thousands)
                 
 
Fair Value
Measurements
December 31, 2011
 
Level 1 Valuation
 
Level 2 Valuation
 
Level 3 Valuation
 
Total Gains/(Losses) for
the Year Ended
December 31, 2011
 
Impaired loans
$ 49,901   -   431   49,470   (11,864 )
Other real estate
$ 7,576   -   -   7,576   (1,322 )
 
At each reporting period, the Bank determines which loans are impaired.  Accordingly, the Bank’s impaired loans are reported at their estimated fair value on a non-recurring basis.  An allowance for each impaired loan, which is generally collateral-dependent, is calculated based on the fair value of its collateral.  The fair value of the collateral is based on appraisals performed by REAS, a subsidiary of the Bank.  REAS is staffed by certified appraisers that also perform appraisals for other companies.   Factors including the assumptions and techniques utilized by the appraiser are considered by management.  If the recorded investment in the impaired loan exceeds the measure of fair value of the collateral, a valuation allowance is recorded as a component of the allowance for loan losses.  Impaired loans under $250,000 are not individually evaluated for impairment, with the exception of the Bank’s TDR loans in the residential mortgage loan portfolio, which are individually evaluated for impairment.  Accruing impaired loans were $35.0 million, $20.3 million and $30.6 million at June 30, 2012, June 30, 2011 and December 31, 2011, respectively.  Interest income recognized on accruing impaired loans was $1.1 million, $595,000 and $1.7 million for the six months ended June 30, 2012, the six months ended June 30, 2011 and the year ended December 31, 2011, respectively.  No interest income is recognized on non-accrual impaired loans subsequent to their classification as impaired.

Results of Operations
Summary.  Net earnings for the second quarter of 2012 were $1.5 million, or $0.27 basic and diluted net earnings per share before adjustment for preferred stock dividends and accretion as compared to $629,000, or $0.11 basic and diluted net earnings per share before adjustment for preferred stock dividends and accretion for the same period one year ago.  After adjusting for $348,000 in dividends and accretion on preferred stock, net earnings available to common shareholders for the three months ended June 30, 2012 were $1.2 million, or $0.21 basic and diluted net earnings per common share as compared to $281,000, or $0.05 basic and diluted net earnings per common share for the same period one year ago.  The increase in second quarter earnings is attributable to a decrease in the provision for loan losses and an increase in non-interest income, which were partially offset by a decrease in net interest income and an increase in non-interest expense.
 
 
27

 
 
The annualized return on average assets was 0.59% for the three months ended June 30, 2012 compared to 0.24% for the same period one year ago, and annualized return on average shareholders’ equity was 5.69% for the three months ended June 30, 2012 compared to 2.52% for the same period one year ago.

Year-to-date net earnings as of June 30, 2012 were $3.2 million, or $0.57 basic and diluted net earnings per share before adjustment for preferred stock dividends and accretion, as compared to $2.0 million, or $0.36 basic and diluted net earnings per share before adjustment for preferred stock dividends and accretion, for the same period one year ago.  After adjusting for dividends and accretion on preferred stock, net earnings available to common shareholders for the six months ended June 30, 2012 were $2.5 million or $0.45 basic and diluted net earnings per common share as compared to $1.3 million, or $0.23 basic and diluted net earnings per common share, for the same period one year ago.  The increase in year-to-date earnings is primarily attributable to aggregate decreases in the provision for loan losses and increases in non-interest income, which were partially offset by aggregate decreases in net interest income and increases in non-interest expense, as discussed below.

The annualized return on average assets was 0.61% for the six months ended June 30, 2012 compared to 0.38% for the same period in 2011, and annualized return on average shareholders’ equity was 5.97% for the six months ended June 30, 2012 compared to 4.08% for the same period in 2011.

Net Interest Income.  Net interest income, the major component of the Company’s net earnings, was $7.8 million for the three months ended June 30, 2012 compared to $8.6 million for the same period one year ago.  This decrease was primarily due to a decrease in interest income resulting from decreases in loans and investment securities, which were partially offset by a decrease in interest expense due to a reduction in the cost of funds and a reduction in interest-bearing liabilities.

Interest income decreased $1.6 million or 14% for the three months ended June 30, 2012 compared to the same period one year ago.  The decrease was due to a reduction in average loans and a decrease in the yield on earning assets.  The average yield on earning assets for the quarters ended June 30, 2012 and 2011 was 4.22% and 4.70%, respectively.  During the quarter ended June 30, 2012, average loans decreased $50.0 million to $654.3 million from $704.4 million for the three months ended June 30, 2011.  During the quarter ended June 30, 2012, average investment securities available for sale decreased $2.1 million to $284.1 million from $285.2 million for the three months ended June 30, 2011.  This decrease reflects investment securities sold during the six months ended June 30, 2012, totaling $34.8 million, which were partially offset by purchases of investment securities.

Interest expense decreased $822,000 or 29% for the three months ended June 30, 2012 compared with the same period one year ago due to lower cost of funds and a reduction in certificates of deposit.  The average rate paid on interest-bearing checking and savings accounts was 0.34% for the three months ended June 30, 2012 as compared to 0.70% for the same period one year ago.  The average rate paid on certificates of deposits was 1.21% for the three months ended June 30, 2012 compared to 1.43% for the same period one year ago.  During the quarter ended June 30, 2012, average certificates of deposit decreased $71.5 million to $287.5 million from $359.0 million for the three months ended June 30, 2011.

The following table sets forth for each category of interest-earning assets and interest-bearing liabilities, the average amounts outstanding, the interest incurred on such amounts and the average rate earned or incurred for the three months ended June 30, 2012 and 2011. The table also sets forth the average rate earned on total interest-earning assets, the average rate paid on total interest-bearing liabilities, and the net yield on average total interest-earning assets for the same periods.  Yield information does not give effect to changes in fair value that are reflected as a component of shareholders’ equity.  Yields and interest income on tax-exempt investments have been adjusted to tax equivalent basis using an effective tax rate of 38.55% for securities that are both federal and state tax exempt and an effective tax rate of 6.90% for state tax exempt securities.  Non-accrual loans and the interest income that was recorded on these loans, if any, are included in the yield calculations for loans in all periods reported.
 
 
28

 
 
 
 
Three months ended
 
Three months ended
 
June 30, 2012
 
June 30, 2011
(Dollars in thousands)
Average
Balance
 
Interest
 
Yield /
Rate
 
Average
Balance
   
Interest
 
Yield /
Rate
Interest-earning assets:
                       
Interest and fees on loans
$ 654,343     8,227   5.06%   704,366     9,159   5.22%
Investments - taxable
  193,722     773   1.61%   152,996     1,146   3.11%
Investments - nontaxable*
  96,948     1,202   4.99%   140,496     1,541   4.40%
Other
  27,950     16   0.46%   14,356     8   0.42%
                             
Total interest-earning assets
  972,963     10,218   4.22%   1,012,214     11,854   4.70%
                             
Cash and due from banks
  25,189             23,978          
Other assets
  55,434             48,447          
Allowance for loan losses
  (17,026 )           (15,651 )        
                             
Total assets
$ 1,036,560             1,068,988          
                             
                             
Interest-bearing liabilities:
                           
                             
NOW, MMDA & savings deposits
$ 348,243     295   0.34%   342,739     601   0.70%
Time deposits
  287,473     864   1.21%   358,956     1,277   1.43%
FHLB / FRB borrowings
  70,000     684   3.93%   70,000     753   4.31%
Trust preferred securities
  20,619     110   2.14%   20,619     101   1.96%
Other
  47,131     34   0.29%   42,040     77   0.74%
                             
Total interest-bearing liabilities
  773,466     1,987   1.03%   834,354     2,809   1.35%
                             
Demand deposits
  152,743             131,741          
Other liabilities
  4,321             4,071          
Shareholders' equity
  106,671             98,803          
                             
Total liabilities and shareholder's equity
$ 1,037,202             1,068,969          
                             
Net interest spread
      $ 8,231   3.19%         9,045   3.35%
                             
Net yield on interest-earning assets
            3.40%             3.58%
                             
Taxable equivalent adjustment
                           
        Investment securities
      $ 383             432    
                             
Net interest income
      $ 7,848             8,613    
                             
*Includes U.S. Government agency securities that are non-taxable for state income tax purposes of $3.0 million in 2012 and $52.3 million in 2011. An effective tax rate of 6.90% was used to calculate the tax equivalent yield on these securities.
 
Year-to-date net interest income as of June 30, 2012 decreased 7% to $16.0 million compared to $17.1 million for the same period one year ago.   This decrease is primarily attributable to a decrease in interest income resulting from decreases in loans and investment securities, which were partially offset by a decrease in interest expense due to a reduction in the cost of funds and a reduction in interest bearing liabilities.

Interest income decreased $2.8 million or 12% for the six months ended June 30, 2012 compared with the same period in 2011.  This decrease was primarily due to a reduction in average loans and a decrease in the yield on earning assets.  The average yield on earning assets for the six months ended June 30, 2012 and 2011 was 4.28% and 4.75%, respectively.  During the six months ended June 30, 2012, average loans decreased $50.0 million to $663.0 million from $713.0 million for the six months ended June 30, 2011.  During the six months ended June 30, 2012, average investment securities available for sale increased $22.5 million to $298.8 million from $276.3 million for the six months ended June 30, 2011 primarily due to the investment of additional funds received from loan repayments outpacing new loans disbursed.

Interest expense decreased $1.7 million or 28% for the six months ended June 30, 2012 compared with the same period in 2011 primarily due to lower cost of funds and a reduction in certificates of deposit.  The average rate paid on interest-bearing checking and savings accounts was 0.37% for the six months ended June 30, 2012 as compared to 0.79% for the same period of 2011.  The average rate paid on certificates of deposits was 1.26% for the six months ended June 30, 2012 compared to 1.46% for the same period one year ago.  Average certificates of deposit decreased $64.7 million to $303.1 million for the six months ended June 30, 2012 from $367.8 million for the six months ended June 30, 2011.
 
 
29

 
 
The following table sets forth for each category of interest-earning assets and interest-bearing liabilities, the average amounts outstanding, the interest incurred on such amounts and the average rate earned or incurred for the six months ended June 30, 2012 and 2011. The table also sets forth the average rate earned on total interest-earning assets, the average rate paid on total interest-bearing liabilities, and the net yield on average total interest-earning assets for the same periods.  Yield information does not give effect to changes in fair value that are reflected as a component of shareholders’ equity.  Yields and interest income on tax-exempt investments have been adjusted to tax equivalent basis using an effective tax rate of 38.55% for securities that are both federal and state tax exempt and an effective tax rate of 6.90% for state tax exempt securities.  Non-accrual loans and the interest income that was recorded on these loans, if any, are included in the yield calculations for loans in all periods reported.

 
Six months ended
 
Six months ended
 
June 30, 2012
 
June 30, 2011
(Dollars in thousands)
Average
Balance
 
Interest
 
Yield /
Rate
 
Average
Balance
 
Interest
 
Yield /
Rate
Interest-earning assets:
                     
Interest and fees on loans
$ 662,962     16,652   5.05%   712,994   18,773   5.31%
Investments - taxable
  206,273     1,854   1.82%   147,003   2,026   2.88%
Investments - nontaxable*
  99,091     2,451   4.97%   137,539   3,035   4.45%
Other
  17,079     19   0.54%   14,102   14   0.40%
                           
Total interest-earning assets
  985,405     20,976   4.28%   1,011,638   23,848   4.75%
                           
Cash and due from banks
  24,010             23,546        
Other assets
  55,655             48,947        
Allowance for loan losses
  (17,085 )           (15,381 )      
                           
Total assets
$ 1,047,985             1,068,750        
                           
                           
Interest-bearing liabilities:
                         
                           
NOW, MMDA & savings deposits
$ 349,731     639   0.37%   338,227   1,319   0.79%
Time deposits
  303,115     1,896   1.26%   371,107   2,681   1.46%
FHLB / FRB borrowings
  70,703     1,374   3.91%   70,055   1,497   4.31%
Trust preferred securities
  20,619     222   2.17%   20,619   200   1.96%
Other
  45,713     73   0.32%   39,567   156   0.80%
                           
Total interest-bearing liabilities
  789,881     4,204   1.07%   839,575   5,853   1.41%
                           
Demand deposits
  148,513             127,350        
Other liabilities
  4,303             3,888        
Shareholders' equity
  106,691             98,415        
                           
Total liabilities and shareholder's equity
$ 1,049,388             1,069,228        
                           
Net interest spread
      $ 16,772   3.21%       17,995   3.34%
                           
Net yield on interest-earning assets
            3.42%           3.59%
                           
Taxable equivalent adjustment
                         
        Investment securities
      $ 779           869    
                           
Net interest income
      $ 15,993           17,126    
                           
*Includes U.S. Government agency securities that are non-taxable for state income tax purposes of $4.6 million in 2012 and $48.8 million in 2011. An effective tax rate of 6.90% was used to calculate the tax equivalent yield on these securities.
 
Changes in interest income and interest expense can result from variances in both volume and rates.  The following table presents the impact on the Company’s tax equivalent net interest income resulting from changes in average balances and average rates for the periods indicated.  The changes in interest due to both volume and rate have been allocated to volume and rate changes in proportion to the relationship of the absolute dollar amounts of the changes in each.
 
 
30

 

 
 
Three months ended June 30, 2012
 
Six months ended June 30, 2012
 
 
compared to three months ended June 30, 2011
 
compared to six months ended June 30, 2011
 
(Dollars in thousands)
Changes in
average volume
 
Changes in average rates
 
Total Increase (Decrease)
 
Changes in
average volume
 
Changes in average rates
 
Total Increase (Decrease)
 
Interest income:
                       
Loans: Net of unearned income
$ (639 ) (293 ) (932 ) (1,286 ) (835 ) (2,121 )
                           
Investments - taxable
  251   (624 ) (373 ) 715   (887 ) (172 )
Investments - nontaxable
  (509 ) 170   (339 ) (899 ) 315   (584 )
Other
  5   3   8   (10 15   5  
Total interest income
  (892 ) (744 ) (1,636 ) (1,480 ) (1,392 ) (2,872 )
                           
Interest expense:
                         
NOW, MMDA & savings deposits
  7   (313 ) (306 ) 33   (713 ) (680 )
Time deposits
  (235 ) (178 ) (413 ) (458 ) (327 ) (785 )
FHLB / FRB Borrowings
  0   (69 ) (69 ) 13   (136 ) (123 )
Trust Preferred Securities
  -   9   9   -   22   22  
Other
  6   (49 ) (43 ) 17   (100 ) (83 )
Total interest expense
  (222 ) (600 ) (822 ) (395 ) (1,254 ) (1,649 )
Net interest income
$ (670 ) (144 ) (814 ) (1,085 ) (138 ) (1,223 )
 
          Provision for Loan Losses. For the three months ended June 30, 2012, a contribution of $1.6 million was made to the provision for loan losses compared to a $3.4 million contribution to the provision for loan losses for the three months ended June 30, 2011.  The decrease in the provision for loan losses is primarily attributable to a $1.2 million decrease in net charge-offs during the second quarter of 2012 compared to the second quarter of 2011 and a $9.9 million reduction in non-accrual loans from June 30, 2011 to June 30, 2012.

The provision for loan losses for the six months ended June 30, 2012 was $3.7 million as compared to $6.3 million for the same period one year ago.  The decrease in the provision for loan losses is primarily attributable to a $2.2 million decrease in net charge-offs during the six months ended June 30, 2012 compared to the same period one year ago and a $9.9 million reduction in non-accrual loans from June 30, 2011 to June 30, 2012.

Non-Interest Income.  Total non-interest income was $3.6 million for the three months ended June 30, 2012, as compared to $2.7 million for the same period one year ago.  This increase is primarily attributable to a $483,000 increase in the gains on sale of securities and a $166,000 reduction in losses and write-downs on foreclosed properties for the three months ended June 30, 2012 as compared to the same period one year ago.

Non-interest income was $7.0 million for the six months ended June 30, 2012, as compared to $6.3 million for the same period one year ago.  This increase is primarily attributable to a $318,000 reduction in losses and write-downs on foreclosed properties and a $190,000 increase in income from the Company’s Community Bank Real Estate Solutions subsidiary for the six months ended June 30, 2012 as compared to the same period one year ago.

 Non-Interest Expense.  Total non-interest expense was $7.8 million for the three months ended June 30, 2012, as compared to $7.4 million for the same period one year ago.  This increase is primarily due to a $258,000 increase in salaries and benefits expense and a $208,000 increase in non-interest expenses other than salary, employee benefits and occupancy expenses, which included $168,000 in expenses associated with the UST’s auction and the Company’s purchase of its preferred stock.

Non-interest expense was $15.1 million for the six months ended June 30, 2012, as compared to $14.8 million for the same period one year ago.  This increase is primarily due to a $432,000 increase in salaries and benefits expense for the six months ended June 30, 2012 as compared to the same period one year ago.

Income Taxes.  The Company reported income tax expense of $486,000 for the three months ended June 30, 2012 and a $56,000 income tax benefit for the three months ended June 30, 2012 and 2011, respectively.  The increase in tax expense is primarily due to a $1.4 million increase in earnings before taxes.

The Company reported income taxes of $1.0 million and $349,000 for the six months ended June 30, 2012 and 2010, respectively.  This represented an effective tax rate of 25% and 15% for the respective periods.   The 2012 and 2011 effective tax rates are lower than historical levels due to increases in tax exempt investment income, which has a greater impact on the effective tax rate on the reduced level of earnings before income taxes experienced in 2012 and 2011.
 
 
31

 
 
Analysis of Financial Condition
Investment Securities.  Available for sale securities were $280.7 million at June 30, 2012 compared to $321.4 million at December 31, 2011.  Average investment securities available for sale for the six months ended June 30, 2012 were $298.8 million compared to $295.4 million for the year ended December 31, 2011.

Loans.  At June 30, 2012, loans were $642.8 million compared to $670.5 million at December 31, 2011, a decrease of $27.7 million.  This decrease reflects a decline in loan originations combined with continuing payments on existing loans. Loans originated or renewed during the six months ended June 30, 2012, amounting to approximately $48.2 million, were offset by paydowns and payoffs of existing loans.  Average loans represented 67% and 70% of average earning assets for the six months ended June 30, 2012 and the year ended December 31, 2011, respectively.  The Company had $3.8 million and $5.1 million in mortgage loans held for sale as of June 30, 2012 and December 31, 2011, respectively.
 
Although the Company has a diversified loan portfolio, a substantial portion of the loan portfolio is collateralized by real estate, which is dependent upon the real estate market.  Real estate mortgage loans include both commercial and residential mortgage loans.  At June 30, 2012, the Company had $113.1 million in residential mortgage loans, $88.7 million in home equity loans and $266.3 million in commercial mortgage loans, which include $212.5 million secured by commercial property and $53.8 million secured by residential property.   Residential mortgage loans include $59.8 million made to customers in the Company’s traditional banking offices and $53.3 million in mortgage loans originated in the Company’s Latino banking offices.  All residential mortgage loans are originated as fully amortizing loans, with no negative amortization.

At June 30, 2012, the Company had $86.5 million in construction and land development loans.  The following table presents a breakout of these loans.

(Dollars in thousands)
           
   
Number of
Loans
 
Balance Outstanding
 
Non-accrual Balance
Land acquisition and development - commercial purposes
  70   $ 18,491   $ 2,482
Land acquisition and development - residential purposes
  328     57,089     10,142
1 to 4 family residential construction
  28     6,621     -
Commercial construction
  9     4,297     -
Total construction and land development
  435   $ 86,498   $ 12,624
 
At June 30, 2012, TDR loans were $22.7 million, including $1.7 million in performing TDR loans.  Effective March 31, 2012, performing TDR balances reflect current year TDR loans only, in accordance with GAAP.  Previously reported TDR amounts reflect cumulative TDR loans from prior periods in addition to current year TDR loans.  At December 31, 2011, TDR loans were $44.1 million, including $15.1 million in performing TDR loans.   The terms of these loans have been renegotiated to provide a reduction in principal or interest as a result of the deteriorating financial position of the borrower.

Allowance for Loan Losses.  The allowance for loan losses reflects management’s assessment and estimate of the risks associated with extending credit and its evaluation of the quality of the loan portfolio.  We periodically analyze the loan portfolio in an effort to review asset quality and to establish an allowance for loan losses that management believes will be adequate in light of anticipated risks and loan losses.  In assessing the adequacy of the allowance, size, quality and risk of loans in the portfolio are reviewed. Other factors considered are:

·  
our loan loss experience;
·  
the amount of past due and non-performing loans;
·  
specific known risks;
·  
the status and amount of other past due and non-performing assets;
·  
underlying estimated values of collateral securing loans;
·  
current and anticipated economic conditions; and
·  
other factors which management believes affect the allowance for potential credit losses.

Management uses several measures to assess and monitor the credit risks in the loan portfolio, including a loan grading system that begins upon loan origination and continues until the loan is collected or collectibility becomes doubtful. Upon loan origination, the originating loan officer evaluates the quality of the loan and assigns one of nine risk grades. The loan officer monitors the loan’s performance and credit quality and makes changes to the credit grade as conditions warrant. When originated or renewed, all loans over a certain dollar amount receive in-depth reviews and risk assessments by our Credit Administration department. Before making any changes in these risk grades, management considers assessments as determined by the third party credit review firm (as described below), regulatory examiners and the  Credit Administration department. Any issues regarding the risk assessments are addressed by our senior credit administrators and factored into management’s decision to originate or renew the loan.
 
 
32

 
 
As an additional measure, we engage an independent third party to review the underwriting, documentation and risk grading analyses. This independent third party reviews and evaluates all loan relationships greater than $1.0 million.  The third party’s evaluation and report is shared with management and the Bank’s Board of Directors.

Management considers certain commercial loans with weak credit risk grades to be individually impaired and measures such impairment based upon available cash flows and the value of the collateral. Allowance or reserve levels are estimated for all other graded loans in the portfolio based on their assigned credit risk grade, type of loan and other matters related to credit risk.

Management uses the information developed from the procedures described above in evaluating and grading the loan portfolio. This continual grading process is used to monitor the credit quality of the loan portfolio and to assist management in estimating the allowance for loan losses.

The allowance for loan losses is comprised of three components: specific reserves, general reserves and unallocated reserves.  After a loan has been identified as impaired, management measures impairment.  When the measure of the impaired loan is less than the recorded investment in the loan, the amount of the impairment is recorded as a specific reserve. These specific reserves are determined on an individual loan basis based on management’s current evaluation of the Company’s loss exposure for each credit, given the appraised value of any underlying collateral. Loans for which specific reserves are provided are excluded from the general allowance calculations as described below.  At June 30, 2012 and December 31, 2011, the recorded investment in loans that were considered to be impaired was approximately $56.0 million and $54.7 million, respectively, with related allowance for loan losses of approximately $4.3 million and $4.8 million, respectively.

The general allowance reflects reserves established for collective loan impairment.  These reserves are based upon historical net charge-offs using the last two years’ experience.  This charge-off experience may be adjusted to reflect the effects of current conditions.  We consider information derived from our loan risk ratings and external data related to industry and general economic trends.

The unallocated allowance is determined through management’s assessment of probable losses that are in the portfolio but are not adequately captured by the other two components of the allowance, including consideration of current economic and business conditions and regulatory requirements. The unallocated allowance also reflects management’s acknowledgement of the imprecision and subjectivity that underlie the modeling of credit risk.  Due to the subjectivity involved in determining the overall allowance, including the unallocated portion, this unallocated portion may fluctuate from period to period based on management’s evaluation of the factors affecting the assumptions used in calculating the allowance.

Management considers the allowance for loan losses adequate to cover the estimated losses inherent in the Company’s loan portfolio as of the date of the financial statements. Management believes it has established the allowance in accordance with GAAP and in consideration of the current economic environment. Although management uses the best information available to make evaluations, significant future additions to the allowance may be necessary based on changes in economic and other conditions, thus adversely affecting the operating results of the Company.

There were no significant changes in the estimation methods or fundamental assumptions used in the evaluation of the allowance for loan losses for the six months ended June 30, 2012 as compared to the year ended December 31, 2011.  Such revisions, estimates and assumptions are made in any period in which the supporting factors indicate that loss levels may vary from the previous estimates.

Additionally, various regulatory agencies, as an integral part of their examination process, periodically review the allowance for loan losses. Such agencies may require adjustments to the allowance based on their judgments of information available to them at the time of their examinations.

The allowance for loan losses at June 30, 2012 was $16.6 million or 2.59% of total loans compared to $16.6 million or 2.48% of total loans at December 31, 2011.  We believe we have established the allowance for credit losses pursuant to GAAP, and have taken into account the views of our regulators and the current economic environment.
 
 
33

 
 
The following table presents the percentage of loans assigned to each risk grade at June 30, 2012 and December 31, 2011.

LOAN RISK GRADE ANALYSIS:
     
 
Percentage of Loans
 
By Risk Grade
Risk Grade
06/30/2012
 
12/31/2011
Risk Grade 1 (Excellent Quality)
3.00%
 
3.12%
Risk Grade 2 (High Quality)
16.57%
 
16.58%
Risk Grade 3 (Good Quality)
48.12%
 
49.30%
Risk Grade 4 (Management Attention)
20.75%
 
19.65%
Risk Grade 5 (Watch)
4.29%
 
4.76%
Risk Grade 6 (Substandard)
6.91%
 
6.21%
Risk Grade 7 (Low Substandard)
0.00%
 
0.00%
Risk Grade 8 (Doubtful)
0.00%
 
0.00%
Risk Grade 9 (Loss)
0.00%
 
0.00%
 
At June 30, 2012, including non-accrual loans, there were seven relationships exceeding $1.0 million (which totaled $12.7 million) in the Watch risk grade, six relationships exceeding $1.0 million in the Substandard risk grade  (which totaled $14.8 million) and no relationships exceeding $1.0 million in the Low Substandard risk grade.  There were four relationships with loans in the Watch risk grade and the Substandard risk grade exceeding $1.0 million total (which totaled $7.3 million).

Non-performing Assets.  Non-performing assets totaled $29.4 million at June 30, 2012 or 2.84% of total assets, compared to $32.1 million at December 31, 2011, or 3.01% of total assets.  Non-accrual loans were $21.1million at June 30, 2012 and $21.8 million at December 31, 2011.  As a percentage of total loans outstanding, non-accrual loans were 3.28% at June 30, 2012 compared to 3.25% at December 31, 2011.  Non-performing loans include $12.6 million in construction and land development loans, $9.7 million in commercial and residential mortgage loans and $591,000 in other loans at June 30, 2012 as compared to $13.2 million in construction and land development loans, $10.7 million in commercial and residential mortgage loans and $544,000 in other loans as of December 31, 2011.  The Bank had loans 90 days past due and still accruing totaling $1.8 million and $2.7 million as of June 30, 2012 and December 31, 2011, respectively.  Other real estate owned totaled $6.5 million as of June 30, 2012 as compared to $7.6 million at December 31, 2011. Repossessed assets were $11,000 and $0 as of June 30, 2012 and December 31, 2011.

                Deposits.  Total deposits at June 30, 2012 were $780.5 million compared to $827.1 million at December 31, 2011. Core deposits, which include non-interest bearing demand deposits, NOW, MMDA, savings and non-brokered certificates of deposits of denominations less than $100,000, were $622.6 million at June 30, 2012 as compared to $633.0 million at December 31, 2011.  Certificates of deposit in amounts greater than $100,000 or more totaled $157.0 million at June 30, 2012 as compared to $193.0 million at December 31, 2011.  This decrease is primarily due to a $24.5 million decrease in brokered certificates of deposit, which included a $8.0 million decrease in certificates of deposit issued through the Certificate of Deposit Account Registry Service (“CDARS”).  At June 30, 2012, brokered deposits were $22.5 million as compared to $47.0 million at December 31, 2011. Brokered deposits outstanding as of June 30, 2012 had a weighted average rate of 0.39% with a weighted average original term of 10 months as compared to brokered deposits outstanding at December 31, 2011, which had a weighted average rate of 0.99% with a weighted average original term of 15 months.

Borrowed Funds. Borrowings from the FHLB totaled $70.0 million at June 30, 2012 and December 31, 2011, respectively.  The average balance of FHLB borrowings for the six months ended June 30, 2012 was $70.7 million compared to $70.0 million for the year ended December 31, 2011.  At June 30, 2012, all of the Bank’s FHLB borrowings had maturities exceeding one year.  The FHLB has the option to convert $15.0 million of the total advances to a floating rate and, if converted, we may repay the advances without a prepayment fee.

Securities sold under agreements to repurchase were $50.5 million at June 30, 2012 compared to $39.6 million at December 31, 2011.

Junior Subordinated Debentures (related to Trust Preferred Securities).  In June 2006 the Company formed a wholly-owned Delaware statutory trust, PEBK Capital Trust II (“PEBK Trust II”), which issued $20.0 million of guaranteed preferred beneficial interests in the Company’s junior subordinated deferrable interest debentures.  All of the common securities of PEBK Trust II are owned by the Company.  The proceeds from the issuance of the common securities and the trust preferred securities were used by PEBK Trust II to purchase $20.6 million of junior subordinated debentures of the Company, which pay a floating rate equal to three-month LIBOR plus 163 basis points.  The proceeds received by the Company from the sale of the junior subordinated debentures were used to repay in December 2006 the trust preferred securities issued in December 2001 by PEBK Capital Trust, a wholly owned Delaware statutory trust of the Company, and for general purposes.  The debentures represent the sole asset of PEBK Trust II.  PEBK Trust II is not included in the consolidated financial statements.
 
 
34

 
 
The trust preferred securities issued by PEBK Trust II accrue and pay interest quarterly at a floating rate of three-month LIBOR plus 163 basis points.  The Company has guaranteed distributions and other payments due on the trust preferred securities to the extent PEBK Trust II has funds with which to make the distributions and other payments.  The net combined effect of the trust preferred securities transaction is that the Company is obligated to make the distributions and other payments required on the trust preferred securities.

These trust preferred securities are mandatorily redeemable upon maturity of the debentures on June 28, 2036, or upon earlier redemption as provided in the indenture.  The Company had the right to redeem the debentures purchased by PEBK Trust II, in whole or in part, on or after June 28, 2011.  As specified in the indenture, if the debentures are redeemed prior to maturity, the redemption price will be the principal amount and any accrued but unpaid interest.

Asset Liability and Interest Rate Risk Management.  The objective of the Company’s Asset Liability and Interest Rate Risk strategies is to identify and manage the sensitivity of net interest income to changing interest rates and to minimize the interest rate risk between interest-earning assets and interest-bearing liabilities at various maturities.  This is to be done in conjunction with the need to maintain adequate liquidity and the overall goal of maximizing net interest income.

The Company manages its exposure to fluctuations in interest rates through policies established by our Asset/Liability Committee (“ALCO”).  ALCO meets monthly and has the responsibility for approving asset/liability management policies, formulating and implementing strategies to improve balance sheet positioning and/or earnings and reviewing the interest rate sensitivity of the Company.  ALCO tries to minimize interest rate risk between interest-earning assets and interest-bearing liabilities by attempting to minimize wide fluctuations in net interest income due to interest rate movements.  The ability to control these fluctuations has a direct impact on the profitability of the Company.  Management monitors this activity on a regular basis through analysis of its portfolios to determine the difference between rate sensitive assets and rate sensitive liabilities.

The Company’s rate sensitive assets are those earning interest at variable rates and those with contractual maturities within one year.  Rate sensitive assets therefore include both loans and available for sale securities.  Rate sensitive liabilities include interest-bearing checking accounts, money market deposit accounts, savings accounts, time deposits and borrowed funds.  Average rate sensitive assets for the six months ended June 30, 2012 totaled $985.4 million, exceeding average rate sensitive liabilities of $789.9 million by $195.5 million.

The Company has an overall interest rate risk management strategy that incorporates the use of derivative instruments to minimize significant unplanned fluctuations in earnings that are caused by interest rate volatility.  By using derivative instruments, the Company is exposed to credit and market risk.  If the counterparty fails to perform, credit risk is equal to the extent of the fair-value gain in the derivative.  The Company minimizes the credit risk in derivative instruments by entering into transactions with high-quality counterparties that are reviewed periodically by the Company.  The Company did not have any interest rate derivatives outstanding as of June 30, 2012.

Included in the rate sensitive assets are $344.7 million in variable rate loans indexed to prime rate subject to immediate repricing upon changes by the Federal Open Market Committee (“FOMC”).  We utilize interest rate floors on certain variable rate loans to protect against further downward movements in the prime rate.  At June 30, 2012, we had $259.8 million in loans with interest rate floors.  The floors were in effect on $258.7 million of these loans pursuant to the terms of the promissory notes on these loans.   The weighted average rate on these loans is 1.11% higher than the indexed rate on the promissory notes without interest rate floors.

                Liquidity. The objectives of the Company’s liquidity policy are to provide for the availability of adequate funds to meet the needs of loan demand, deposit withdrawals, maturing liabilities and to satisfy regulatory requirements.  Both deposit and loan customer cash needs can fluctuate significantly depending upon business cycles, economic conditions and yields and returns available from alternative investment opportunities.  In addition, the Company’s liquidity is affected by off-balance sheet commitments to lend in the form of unfunded commitments to extend credit and standby letters of credit.  As of June 30, 2012, such unfunded commitments to extend credit were $142.2 million, while commitments in the form of standby letters of credit totaled $2.9 million.

The Company uses several sources to meet its liquidity requirements.  The primary source is core deposits, which includes demand deposits, savings accounts and non-brokered certificates of deposits of denominations less than $100,000. The Company considers these to be a stable portion of the Company’s liability mix and the result of on-going consumer and commercial banking relationships.  As of June 30, 2012, the Company’s core deposits totaled $622.6 million, or 80% of total deposits.
 
 
35

 
 
The other sources of funding for the Company are through large denomination certificates of deposit, including brokered deposits, federal funds purchased, securities under agreement to repurchase and FHLB borrowings.  The Bank is also able to borrow from the Federal Reserve Bank (“FRB”) on a short-term basis.  Our policies include the ability to access wholesale funding up to 40% of total assets.  Our wholesale funding includes FHLB borrowings, FRB borrowings, brokered deposits, internet certificates of deposit and certificates of deposit issued to the State of North Carolina.  The Company’s ratio of wholesale funding to total assets was 9.06% as of June 30, 2012.

At June 30, 2012, we had a significant amount of deposits in amounts greater than $100,000.  The cost of these deposits is more susceptible to changes in the interest rate environment than other deposits.  Access to the brokered deposit market could be restricted if the Bank were to fall below the well capitalized level.

The Bank has a line of credit with the FHLB equal to 20% of the Bank’s total assets, with an outstanding balance of $70.0 million at June 30, 2012 and December 31, 2011.  At June 30, 2012, the carrying value of loans pledged as collateral to the FHLB totaled $146.5 million compared to $153.7 million at December 31, 2011.  As additional collateral, the Bank has pledged securities to the FHLB.  At June 30, 2012, the market value of securities pledged to the FHLB totaled $15.9 million compared to $13.2 million at December 31, 2011.  The remaining availability under the line of credit with  the FHLB was $20.0 million at June 30, 2012 compared to $17.1 million at December 31, 2011.  The Bank had no borrowings from the FRB at June 30, 2012 and December 31, 2011.  FRB borrowings are collateralized by a blanket assignment on all qualifying loans that the Bank owns which are not pledged to the FHLB.  At June 30, 2012, the carrying value of loans pledged as collateral to the FRB totaled $324.2 million compared to $342.2 million at December 31, 2011.

The Bank also had the ability to borrow up to $47.5 million for the purchase of overnight federal funds from five correspondent financial institutions as of June 30, 2012.

The liquidity ratio for the Bank, which is defined as net cash, interest bearing deposits with banks, federal funds sold and certain investment securities, as a percentage of net deposits and short-term liabilities was 33.28% at June 30, 2012 and 32.19% at December 31, 2011.  The minimum required liquidity ratio as defined in the Bank’s Asset/Liability and Interest Rate Risk Management Policy is 10%.

Contractual Obligations and Off-Balance Sheet Arrangements.  The Company’s contractual obligations and other commitments as of June 30, 2012 and December 31, 2011 are summarized in the table below.  The Company’s contractual obligations include the repayment of principal and interest related to FHLB advances and junior subordinated debentures, as well as certain payments under current lease agreements.  Other commitments include commitments to extend credit.  Because not all of these commitments to extend credit will be drawn upon, the actual cash requirements are likely to be significantly less than the amounts reported for other commitments below.

(Dollars in thousands)
     
 
June 30, 2012
 
December 31, 2011
Contractual Cash Obligations
     
Long-term borrowings
$ 70,000   70,000
Junior subordinated debentures
  20,619   20,619
Operating lease obligations
  4,433   4,326
Total
$ 95,052   94,945
Other Commitments
       
Commitments to extend credit
$ 142,155   131,565
Standby letters of credit and financial guarantees written
  2,917   3,288
Total
$ 145,072   134,853
 
The Company enters into derivative contracts to manage various financial risks.  A derivative is a financial instrument that derives its cash flows, and therefore its value, by reference to an underlying instrument, index or referenced interest rate.  Derivative contracts are carried at fair value on the consolidated balance sheet with the fair value representing the net present value of expected future cash receipts or payments based on market interest rates as of the balance sheet date.  Derivative contracts are written in amounts referred to as notional amounts, which only provide the basis for calculating payments between counterparties and are not a measure of financial risk.  Further discussions of derivative instruments are included above in the section entitled “Asset Liability and Interest Rate Risk Management”.

Capital Resources.  Shareholders’ equity at June 30, 2012 was $94.8 million compared to $103.0 million at December 31, 2011.  This decrease was primarily attributable to the Company’s repurchase and retirement of a portion of its preferred shares.  The Company purchased 12,530 shares of the Company’s 25,054 outstanding shares of preferred stock from the UST, which was issued to the UST in connection with the Company’s participation in the CPP under the TARP in 2008.  The shares were purchased for $933.36 per share, for a total purchase price of $11,778,575.90, including $83,575.10 accrued and unpaid dividends on the preferred stock.  The Company retired the 12,530 shares purchased.  The $834,999.20 difference between the $12,530,000 face value of the preferred stock retired and the $11,695,000.80 purchase price of the preferred stock retired was credited to retained earnings, effective June 30, 2012.  Remaining preferred shares are redeemable at any time at par.  The Company expects to be able to repurchase the shares from future earnings, however, there are no immediate plans to repurchase these shares.
 
 
36

 
 
Annualized return on average equity for the six months ended June 30, 2012 was 5.97% compared to 5.03% for the year ended December 31, 2011.  Total cash dividends paid on common stock were $499,000 and $222,000 for the six months ended June 30, 2012 and 2011, respectively.  Cash dividends paid on common stock in the six months ended June 30, 2012 include a $0.05 per share special cash dividend, amounting to $277,000, paid in February 2012.

The Board of Directors, at its discretion, can issue shares of preferred stock up to a maximum of 5,000,000 shares. The Board is authorized to determine the number of shares, voting powers, designations, preferences, limitations and relative rights.  The Board of Directors does not currently anticipate issuing any additional series of preferred stock.
 
Under the regulatory capital guidelines, financial institutions are currently required to maintain a total risk-based capital ratio of 8.0% or greater, with a Tier 1 risk-based capital ratio of 4.0% or greater.  Tier 1 capital is generally defined as shareholders’ equity and trust preferred securities less all intangible assets and goodwill.  Tier 1 capital at June 30, 2012 and December 31, 2011 includes $20.0 million in trust preferred securities.  The Company’s Tier 1 capital ratio was 15.38% and 16.10% at June 30, 2012 and December 31, 2011, respectively.  Total risk-based capital is defined as Tier 1 capital plus supplementary capital.  Supplementary capital, or Tier 2 capital, consists of the Company's allowance for loan losses, not exceeding 1.25% of the Company’s risk-weighted assets. Total risk-based capital ratio is therefore defined as the ratio of total capital (Tier 1 capital and Tier 2 capital) to risk-weighted assets.  The Company’s total risk-based capital ratio was 16.68% and 17.38% at June 30, 2012 and December 31, 2011, respectively.  In addition to the Tier 1 and total risk-based capital requirements, financial institutions are also required to maintain a leverage ratio of Tier 1 capital to total average assets of 4.0% or greater.  The Company’s Tier 1 leverage capital ratio was 10.63% and 11.06% at June 30, 2012 and December 31, 2011, respectively.

The Bank’s Tier 1 risk-based capital ratio was 14.78% and 13.76% at June 30, 2012 and December 31, 2011, respectively.  The total risk-based capital ratio for the Bank was 16.07% and 15.04% at June 30, 2012 and December 31, 2011, respectively.   The Bank’s Tier 1 leverage capital ratio was 10.20% and 9.44% at June 30, 2012 and December 31, 2011, respectively.

A bank is considered to be “well capitalized” if it has a total risk-based capital ratio of 10.0 % or greater, a Tier 1 risk-based capital ratio of 6.0% or greater, and a leverage ratio of 5.0% or greater.  Based upon these guidelines, the Bank was considered to be "well capitalized" at June 30, 2012.

Subsequent Events.  The Company has reviewed and evaluated subsequent events and transactions for material subsequent events through the date the financial statements are issued.  Management has concluded that there were no material subsequent events not reflected in the June 30, 2012 financial statements.
 
 
 
37

 
 
Item 3.    Quantitative and Qualitative Disclosures About Market Risk

Not required for smaller reporting companies.

 
 
 
 
 
 
38

 
 
Item 4T.    Controls and Procedures

The Company’s management, with the participation of the Company’s Chief Executive Officer and Chief Financial Officer, has evaluated the effectiveness of the Company’s disclosure controls and procedures (as such term is defined in Rules 13a-15(e) and 15d-15(e) under the Securities Exchange Act of 1934, as amended (the “Exchange Act”)) as of the end of the period covered by this report.  Based on such evaluation, the Company’s Chief Executive Officer and Chief Financial Officer have concluded that, as of the end of such period, the Company’s disclosure controls and procedures are effective in recording, processing, summarizing and reporting, on a timely basis, information required to be disclosed by the Company in the reports that it files or submits under the Exchange Act.

There have not been any changes in the Company’s internal control over financial reporting (as such term is defined in Rules 13a-15(f) and 15d-15(f) under the Exchange Act) during the fiscal quarter to which this report relates that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.


 
 
39

 
 
PART II.
OTHER INFORMATION
 
 
Item 1.
Legal Proceedings
   
 
On June 7, 2012, a Complaint was filed against the Company and the Bank in the General Court of Justice, Superior Court Division, Lincoln County, North Carolina. The Complaint (i) alleged that the Bank failed to operate its overdraft program and process customer transactions in accordance with its customer account agreement and violated the North Carolina Unfair and Deceptive Trade Practices Act in its assessment and collection of overdraft fees and (ii) sought the refund of overdraft fees, treble damages, attorneys’ fees and injunctive relief. On August 6, 2012, the Company and the Bank filed an Answer denying the allegations alleged in the Complaint and asserting certain other additional defenses.  On August 9, 2012, the plaintiffs filed a Notice of Voluntary Dismissal Without Prejudice pursuant to which plaintiffs voluntarily dismissed its claims against the Company and the Bank.
 
Item 1A.
Risk Factors
   
 
Not required for smaller reporting companies.
   
Item 2.
Unregistered Sales of Equity Securities and Use of Proceeds
               
ISSUER PURCHASES OF EQUITY SECURITIES
       
                 
 Period
 
Total
Number of
Shares
Purchased
 
Average
Price Paid
per Share
 
Total
Number of
Shares
Purchased as
Part of
Publicly
Announced
Plans or
Programs
 
Maximum
Number of
Shares that
May Yet Be
Purchased
Under the Plans
or Programs
                 
 April 1 - 30, 2012
  -       $ -       -           -        
                   
 May 1 - 31, 2012
  2,100 (1)    8.16   -           -        
                   
 June 1 - 30, 2012
  12,530 (2)    933.36   -           -        
                   
 Total
  14,630   $ 828.82   -            
                   
(1) The Company purchased 2,100 shares on the open market in the six months ended June 30, 2012 for its deferred compensation plan. All purchases were funded by participant contributions to the plan. The Purchase Agreement with UST permits the Company to purchase its common stock on the open market pursuant to benefit plans.
(2) On June 28, 2012, the Company purchased 12,530 shares of the Company's 25,054 outstanding shares of preferred stock from the UST, which was issued to the UST in connection with the Company's participation in the CPP under the TARP in 2008.
 
Item 3.
Defaults Upon Senior Securities
   
 
Not applicable
   
Item 5.
Other Information
   
 
Not applicable
 
Item 6.
Exhibits
 
     
 
Exhibit (3)(1)
Articles of Amendment dated December 19, 2008, regarding the Series A
   
Preferred Stock, incorporated by reference to Exhibit (3)(1) to the Form 8-K filed
   
with the Securities and Exchange Commission on December 29, 2008
 
 
 
40

 
 
 
 
Exhibit (3)(2)
Articles of Amendment dated February 26, 2010, incorporated by reference to
   
Exhibit (3)(2) to the Form 10-K filed with the Securities and Exchange
   
Commission on March 25, 2010
     
 
Exhibit (3)(i)
Articles of Incorporation of the Registrant, incorporated by reference to
   
Exhibit (3)(i) to the Form 8-A filed with the Securities and Exchange
   
Commission on September 2, 1999
     
 
Exhibit (3)(ii)
Amended and Restated Bylaws of the Registrant, incorporated by reference to
   
Exhibit (3)(ii) to the Form 10-K filed with the Securities and Exchange
   
Commission on March 25, 2010
     
 
Exhibit (4)
Specimen Stock Certificate, incorporated by reference to Exhibit (4) to the Form
   
8-A filed with the Securities and Exchange Commission on September 2, 1999
     
 
Exhibit (4)(1)
Form of Certificate for the Series A Preferred Stock, incorporated by reference to
   
Exhibit (4)(1) to the Form 8-K filed with the Securities and Exchange
   
Commission on December 29, 2008
     
 
Exhibit (4)(2)
Warrant dated December 23, 2008, for the purchase of shares of Common Stock,
   
incorporated by reference to Exhibit (4)(2) to the Form 8-K filed with the
   
Securities and Exchange Commission on December 29, 2008
     
 
Exhibit (10)(1)
Letter Agreement dated December 23, 2008 between the Registrant and the
   
United States Department of the Treasury, incorporated by reference to Exhibit
   
(10)(1) to the Form 8-K filed with the Securities and Exchange Commission on
   
December 29, 2008
     
 
Exhibit (10)(a)(i)
Employment Letter Agreement dated December 23, 2008 between the Registrant
   
and Tony W. Wolfe, incorporated by reference to Exhibit (10)(a)(i) to the Form 8-K
   
filed with the Securities and Exchange Commission on December 29, 2008
     
 
Exhibit (10)(a)(ii)
Amendment to Employment Agreement between Peoples Bank and Tony W.
   
Wolfe dated December 18, 2008, incorporated by reference to Exhibit (10)(a)(ii)
   
to the Form 8-K filed with the Securities and Exchange Commission on
   
December 29, 2008
     
 
Exhibit (10)(a)(iii)
Amended and Restated Executive Salary Continuation Agreement between
   
Peoples Bank and Tony W. Wolfe dated December 18, 2008, incorporated by
   
reference to Exhibit (10)(a)(iii) to the Form 8-K filed with the Securities and
   
Exchange Commission on December 29, 2008
     
 
Exhibit (10)(b)(i)
Employment Letter Agreement dated December 23, 2008 between the Registrant
   
and Joseph F. Beaman, Jr., incorporated by reference to Exhibit (10(b)(i) to the
   
Form 8-K filed with the Securities and Exchange Commission on December 29,
   
2008
     
 
Exhibit (10)(b)(ii)
Amendment to Employment Agreement between Peoples Bank and Joseph F.
   
Beaman, Jr. dated December 18, 2008, incorporated by reference to Exhibit
   
(10)(b)(ii) to the Form 8-K filed with the Securities and Exchange Commission
   
on December 29, 2008
     
 
Exhibit (10)(b)(iii)
Amended and Restated Executive Salary Continuation Agreement between
   
Peoples Bank and Joseph F. Beaman, Jr. dated December 18, 2008, incorporated
   
by reference to Exhibit (10)(b)(iii) to the Form 8-K filed with the Securities and
   
Exchange Commission on December 29, 2008
     
 
Exhibit (10)(c)(i)
Employment Letter Agreement dated December 23, 2008 between the Registrant
   
and William D. Cable, Sr., incorporated by reference to Exhibit (10(c)(i) to the
   
Form 8-K filed with the Securities and Exchange Commission on December 29,
   
2008
 
 
 
41

 
 
 
 
Exhibit (10)(c)(ii)
Amendment to Employment Agreement between Peoples Bank and William D.
   
Cable, Sr. dated December 18, 2008, incorporated by reference to Exhibit
   
(10)(c)(ii) to the Form 8-K filed with the Securities and Exchange Commission
   
on December 29, 2008
     
 
Exhibit (10)(c)(iii)
Amended and Restated Executive Salary Continuation Agreement between
   
Peoples Bank and William D. Cable, Sr. dated December 18, 2008, incorporated
   
by reference to Exhibit (10)(c)(iii) to the Form 8-K filed with the Securities and
   
Exchange Commission on December 29, 2008
     
 
Exhibit (10)(d)(i)
Employment Letter Agreement dated December 23, 2008 between the Registrant
   
and Lance A. Sellers, incorporated by reference to Exhibit (10(d)(i) to the Form
   
8-K filed with the Securities and Exchange Commission on December 29, 2008
     
 
Exhibit (10)(d)(ii)
Amendment to Employment Agreement between Peoples Bank and Lance A.
   
Sellers dated December 18, 2008, incorporated by reference to Exhibit (10)(d)(ii)
   
to the Form 8-K filed with the Securities and Exchange Commission on
   
December 29, 2008
     
 
Exhibit (10)(d)(iii)
Amended and Restated Executive Salary Continuation Agreement between
   
Peoples Bank and Lance A. Sellers dated December 18, 2008, incorporated by
   
reference to Exhibit (10)(d)(iii) to the Form 8-K filed with the Securities and
   
Exchange Commission on December 29, 2008
     
 
Exhibit (10)(e)
Peoples Bancorp of North Carolina, Inc. Omnibus Stock Ownership and Long
   
Term Incentive Plan incorporated by reference to Exhibit (10)(f) to the Form 10-K
   
filed with the Securities and Exchange Commission on March 30, 2000
     
 
Exhibit (10)(e)(i)
Amendment No. 1 to the Peoples Bancorp of North Carolina, Inc. Omnibus Stock
   
Ownership and Long Term Incentive Plan incorporated by reference to Exhibit
   
(10)(e)(i) to the Form 10-K filed with the Securities and Exchange Commission
   
on March 15, 2007
     
 
Exhibit (10)(f)(i)
Employment Letter Agreement dated December 23, 2008 between the Registrant
   
and A. Joseph Lampron, Jr., incorporated by reference to Exhibit (10(f)(i) to the
   
Form 8-K filed with the Securities and Exchange Commission on December 29,
   
2008
     
 
Exhibit (10)(f)(ii)
Amendment to Employment Agreement between Peoples Bank and A. Joseph
   
Lampron, Jr. dated March 18, 2010 incorporated by reference to Exhibit (10)(f)(ii)
   
to the Form 10-K filed with the Securities  and Exchange Commission on March
   
25, 2010
     
 
Exhibit (10)(f)(iii)
Amended and Restated Executive Salary Continuation Agreement between
   
Peoples Bank and A. Joseph Lampron, Jr. dated December 18, 2008, incorporated
   
by reference to Exhibit (10)(f)(iii) to the Form 8-K filed with the Securities and
   
Exchange Commission on December 29, 2008
     
 
Exhibit (10)(g)
Peoples Bank Directors' and Officers' Deferral Plan, incorporated by reference
   
to Exhibit (10)(h) to the Form 10-K filed with the Securities and Exchange
   
Commission on March 28, 2002
     
 
Exhibit (10)(h)
Rabbi Trust for the Peoples Bank Directors' and Officers' Deferral Plan,
   
incorporated by reference to Exhibit (10)(i) to the Form 10-K filed with the
   
Securities and Exchange Commission on March 28, 2002
     
 
Exhibit (10)(i)
Description of Service Recognition Program maintained by Peoples Bank,
   
incorporated by reference to Exhibit (10)(i) to the Form 10-K filed with the
   
Securities and Exchange Commission on March 27, 2003
 
 
 
42

 
 
 
 
Exhibit (10)(j)
Capital Securities Purchase Agreement dated as of June 26, 2006, by and among
   
the Registrant, PEBK Capital Trust II and Bear, Sterns Securities Corp.,
   
incorporated by reference to Exhibit (10)(j) to the Form 10-Q filed with the
   
Securities and Exchange Commission on November 13, 2006
     
 
Exhibit (10)(k)
Amended and Restated Trust Agreement of PEBK Capital Trust II, dated as of
   
June 28, 2006, incorporated by reference to Exhibit (10)(k) to the Form 10-Q filed
   
with the Securities and Exchange Commission on November 13, 2006
     
 
Exhibit (10)(l)
Guarantee Agreement of the Registrant dated as of June 28, 2006, incorporated
   
by reference to Exhibit (10)(l) to the Form 10-Q filed with the Securities and
   
Exchange Commission on November 13, 2006
     
 
Exhibit (10)(m)
Indenture, dated as of June 28, 2006, by and between the Registrant and LaSalle
   
Bank National Association, as Trustee, relating to Junior Subordinated Debt
   
Securities Due September 15, 2036, incorporated by reference to Exhibit (10)(m)
   
to the Form 10-Q filed with the Securities and Exchange Commission on
   
November 13, 2006
     
 
Exhibit (10)(n)
Form of Amended and Restated Director Supplemental Retirement Agreement
   
between Peoples Bank and Directors Robert C. Abernethy, James S. Abernethy,
   
Douglas S. Howard, John W. Lineberger, Jr., Gary E. Matthews, Dr. Billy L.
   
Price, Jr., Larry E. Robinson, W. Gregory Terry, Dan Ray Timmerman, Sr. and
   
Benjamin I. Zachary, incorporated by reference to Exhibit (10)(n) to the Form
   
8-K filed with the Securities and Exchange Commission on December 29, 2008
     
 
Exhibit (10)(o)
2009 Omnibus Stock Ownership and Long Term Incentive Plan incorporated
   
by reference to Exhibit (10)(o) to the Form 10-K filed with the Securities and
   
Exchange Commission on March 20, 2009
     
  Exhibit (10)(p) Underwriting Agreement with Merrill Lynch, Pierce, Fenner & Smith
    Incorporated and Sandler O'Neill & Partners, L.P., as representatives of the
    several underwriters listed on Schedule A thereto and the UST incorporated by
    reference to Exhibit 1.1 to the Form 8-K filed with the Securities and Exchange
    Commission on June 29, 2012
     
 
Exhibit (14)
Code of Business Conduct and Ethics of Peoples Bancorp of North Carolina,
   
Inc., incorporated by reference to Exhibit (14) to the Form 10-K filed with the
   
Securities and Exchange Commission on March 25, 2005
     
 
Exhibit (31)(a)
Certification of principal executive officer pursuant to section 302 of the
   
Sarbanes-Oxley Act of 2002
     
 
Exhibit (31)(b)
Certification of principal financial officer pursuant to section 302 of the
   
Sarbanes-Oxley Act of 2002
     
 
Exhibit (32)
Certification Pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section
   
906 of the Sarbanes-Oxley Act of 2002
     
 
Exhibit (101)
The following materials from the Company's 10-Q Report for the quarterly
   
period ended June 30, 2012, formatted in XBRL: (i) the Condensed Consolidated
   
Balance Sheets, (ii) the Condensed Consolidated Statements of Income, (iii) the
   
Condensed Consolidated Statements of Changes in Shareholders' Equity, (iv) the
   
Condensed Consolidated Statements of Cash Flows, and (v) the Notes to the
   
Condensed Consolidated Financial Statements, tagged as blocks of text.*
     
   
*Furnished, not filed.
 
 
 
43

 
 
SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.
 
   
Peoples Bancorp of North Carolina, Inc.
     
     
     
  August 10,  2012
 
 /s/ Tony W. Wolfe
Date
 
Tony W. Wolfe
   
President and Chief Executive Officer
   
(Principal Executive Officer)
     
     
     
  August 10,  2012
 
 /s/ A. Joseph Lampron, Jr.
Date
 
A. Joseph Lampron, Jr.
   
Executive Vice President and Chief Financial Officer
   
(Principal Financial and Principal Accounting Officer)
 
 
 
 
 
 
44

 
 
EX-31.A 2 ex31_a.htm EXHIBIT (31)(A) ex31_a.htm
 EXHIBIT (31)(a)

CERTIFICATIONS


I, Tony W. Wolfe, certify that:

1.  
I have reviewed this quarterly report on Form 10-Q of Peoples Bancorp of North Carolina Inc.;

2.  
Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3.  
Based on my knowledge, the financial statements, and other financial information included in this quarterly report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4.  
The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a)  
designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

b)  
designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

c)  
evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d)  
disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect the registrant’s internal control over financial reporting; and

5.  
The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of registrant’s board of directors (or persons performing the equivalent functions):

a)  
all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information;  and

b)  
any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.




     
  August 10,  2012
 
 /s/ Tony W. Wolfe
  Date
 
Tony W. Wolfe
   
President and Chief Executive Officer
   
(Principal Executive Officer)

 
 
 
45

 
 
EX-31.B 3 ex31_b.htm EXHIBIT (31)(B) ex31_b.htm
EXHIBIT (31)(b)

CERTIFICATIONS


I, A. Joseph Lampron, Jr., certify that:

1.  
I have reviewed this quarterly report on Form 10-Q of Peoples Bancorp of North Carolina Inc.;

2.  
Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3.  
Based on my knowledge, the financial statements, and other financial information included in this quarterly report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4.  
The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a)  
designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

b)  
designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

c)  
evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation ; and

d)  
disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect the registrant’s internal control over financial reporting; and

5.  
The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of registrant’s board of directors (or persons performing the equivalent functions):

a)  
all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information;  and

b)  
any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.





  August 10,  2012
 
 /s/ A. Joseph Lampron, Jr.
  Date
 
A. Joseph Lampron, Jr.
   
Executive Vice President and Chief Financial Officer
   
(Principal Financial and Principal Accounting Officer)
 

 
46

 
EX-32 4 ex32.htm EXHIBIT (32) ex32.htm
EXHIBIT (32)

PEOPLES BANCORP OF NORTH CAROLINA, INC.

Certification of Periodic Financial Report
Pursuant to 18 U.S.C. Section 1350


Pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, each of the undersigned officers of Peoples Bancorp of North Carolina, Inc. (the “Company”) certifies that the Quarterly Report on Form 10-Q of the Company for the quarter ended June 30, 2012 fully complies with the requirements of Section 13(a) or 15(d), as applicable, of the Securities Exchange Act of 1934 and information contained in that Form 10-Q fairly presents, in all material respects, the financial condition and results of operations of the Company.
 

 

  August 10,  2012
 
 /s/ Tony W. Wolfe
  Date
 
Tony W. Wolfe
   
Chief Executive Officer
     
     
     
  August 10,  2012
 
 /s/ A. Joseph Lampron, Jr.
  Date
 
A. Joseph Lampron, Jr.
   
Chief Financial Officer

 


*This certification is made solely for purpose of 18 U.S.C. Section 1350, subject to the knowledge standard contained therein, and not for any other purpose.
 
 

 
 
47

 
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valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 7%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr bgcolor="white"><td align="left" colspan="3" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: 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times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new 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style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" 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10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 7%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-left: 0pt; width: 21%; margin-left: 9pt;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">evaluated for impairment</div></td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="text-align: right; width: 8%; font-family: times 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10pt;">-</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">-</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">-</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 7%; font-family: times new roman; font-size: 10pt;">2,539</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr bgcolor="white"><td align="left" colspan="3" valign="bottom" style="width: 30%;"><div style="text-align: left; 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font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 7%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; padding-left: 0pt; width: 21%; margin-left: 9pt;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">&#160;evaluated for impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">5,932</td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">4,068</td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 7%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr bgcolor="#cceeff"><td align="left" colspan="3" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Ending balance: individually</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; 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font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: 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10pt;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">73,532</td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">246,390</td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">210,570</td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; 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style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr><td valign="bottom" style="padding-bottom: 2px; width: 52%; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="8" valign="bottom" style="border-bottom: black 2px solid; width: 47%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">June 30, 2012</div></td></tr><tr><td valign="bottom" style="padding-bottom: 2px; width: 52%; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" 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roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr><td valign="bottom" style="padding-bottom: 2px; width: 30%; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="12" valign="bottom" style="border-bottom: black 2px solid; width: 65%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">June 30, 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text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 36pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></div> 0 0 219000 <div><div><div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt; margin-right: 0pt;">GAAP establishes a framework for measuring fair value and expands disclosures about fair value measurements. 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font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">13,040</td></tr><tr bgcolor="white"><td valign="bottom" style="width: 40%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 40%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Liabilities:</div></td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 40%;"><div style="text-align: left; text-indent: 0pt; 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font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-left: 0pt; width: 40%; margin-left: 9pt;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; 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font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 40%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Liabilities:</div></td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; 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width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-left: 0pt; 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width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr><td align="left" colspan="3" valign="bottom" style="width: 40%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(Dollars in thousands)</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 10%; display: inline; 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width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; 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width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 31%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;Construction and land development</div></td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">6,538</td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;Construction and land development</div></td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">28,750</td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 7%; display: inline; font-family: times new roman; 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text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">(66</td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">)</td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">-</td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">(68</td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">)</td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">116</td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 7%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr bgcolor="white"><td align="left" colspan="3" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Ending balance: individually</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 7%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-left: 0pt; width: 21%; margin-left: 9pt;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">evaluated for impairment</div></td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="text-align: right; 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font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 7%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr bgcolor="white"><td align="left" colspan="3" valign="bottom" style="width: 30%;"><div style="text-align: left; 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font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 7%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-left: 0pt; 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width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 7%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; padding-left: 0pt; width: 21%; margin-left: 9pt;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">&#160;evaluated for impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">5,932</td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; width: 1%; font-family: times new roman; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr><td valign="bottom" style="padding-bottom: 2px; width: 30%; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="12" valign="bottom" style="border-bottom: black 2px solid; width: 65%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">December 31, 2011</div></td></tr><tr><td valign="bottom" style="padding-bottom: 2px; width: 30%; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="4" valign="bottom" style="border-bottom: black 2px solid; 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font-size: 10pt; margin-right: 0pt;">Fair Value</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Unrealized </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Losses</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Mortgage-backed securities</div></td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="text-align: right; 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text-align: right; width: 10%; font-family: times new roman; font-size: 10pt;">19,290</td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%; font-family: times new roman; font-size: 10pt;">-&#160;&#160;&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 4px; width: 31%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;Total loans</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">28,276</td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 11%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td></tr></table></div><div style="text-align: left; text-indent: 0pt; display: block; margin-right: 0pt;"><table cellpadding="0" cellspacing="0" style="width: 95%; 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font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; padding-left: 0pt; width: 63%; margin-left: 9pt;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 36pt; font-size: 10pt; margin-right: 0pt;">Stock options</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%; font-family: times new roman; font-size: 10pt;">-&#160;&#160; </td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; 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font-family: times new roman; font-size: 10pt;">281</td><td align="right" valign="bottom" style="padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">5,544,442</td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">0.05</td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 63%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 11%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 63%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt; text-decoration: underline;">For the six months ended June 30, 2011</div></td><td valign="bottom" style="text-align: left; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 11%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160;</td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 4px; width: 63%;"><div style="text-align: left; 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An equity security represents an ownership interest in an enterprise or the right to acquire or dispose of an ownership interest in an enterprise at fixed or determinable prices. Equity securities include, among other things, common stock, certain preferred stock, warrant rights, call options, and put options, but do not include convertible debt. An entity may opt to provide the reader with additional narrative text to better understand the nature of investments in equity securities which are categorized as Available-for-sale. Available For Sale Securities Equity Securities Fair Value Disclosure Equity securities This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. This element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. 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Available-for-sale Securities, Debt Maturities, Mortgage-Backed Securities, Amortized Cost Mortgage-backed securities Amount of available-for-sale debt securities at cost, net of adjustments of equity securities. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings (less any cumulative-effect adjustments, as defined) and fair value hedge accounting adjustments. Available-for-sale Securities, Debt Maturities, Equity Securities, Amortized Cost Equity securities Amount of available-for-sale debt securities at fair value of mortgage-backed securities. Available-for-sale Securities, Debt Maturities, Mortgage-Backed Securities, Fair Value Mortgage-backed securities Amount of available-for-sale debt securities at fair value of equity securities. Available-for-sale Securities, Debt Maturities, Equity Securities, Fair Value Equity securities The number of securities issued by either state and political subdivisions or U.S. Government sponsored enterprises, including mortgage-backed securities that have unrealized losses. Number of securities issued with unrealized losses Commercial and consumer loans relating to construction and land development Construction and land development [Member] Real Estate Loans - Construction and land development [Member] Real Estate Loans - Construction and Land Development [Member] Property that is used for business purposes and can also be used as a multi-family residence. Multifamily and farmland [Member] Real Estate Loans - Multifamily and farmland [Member] Real estate loans - Multifamily and Farmland [Member] All other loans that are disclosed as a loan, whether secured or unsecured, to a company for purposes such as seasonal working capital needs, inventory financing, equipment purchases and acquisitions, loan or extension of credit for personal, family, or household use excluding real estate, and or real estate loans. All other loans [Member] All other loans (not secured by real estate) [Member] Financing receivables that are less than 90 days past due but more than 29 days past due. Financing Receivable Recorded Investment 30 To 89 Days Past Due Loans 30-89 Days Past Due The carrying amount of impaired loans, under which such loans are not individually evaluated for impairment. Impaired loans not individually evaluated for impairment, threshold Threshold amount of impaired loans not individually evaluated for impairment Recognizing interest income on impaired financing receivables, including how cash receipts are recorded, the policy for determining which loans the entity assess for impairment, and the factors the creditor considered in determining that the financing receivable is impaired. Accruing impaired financing receivables Accruing impaired loans Loan or extension of credit for personal, family, or household use excluding real estate, and all other loans that are disclosed as a loan, whether secured or unsecured, to a company for purposes such as seasonal working capital needs, inventory financing, equipment purchases and acquisitions, loan or extension of credit for personal, family, or household use excluding real estate, and or real estate loans. Consumer and all other loans [Member] Consumer and All Other (not secured by real estate) [Member] Loans Receivable [Abstract] Loans [Abstract] Loans are well above average quality and a minimal amount of credit risk exists. CD or cash secured loans or properly margined actively traded stock or bond secured loans would fall in this grade. Excellent Quality [Member] 1- Excellent Quality [Member] Loans are of good quality with risk levels well within the Company's range of acceptability. The organization or individual is established with a history of successful performance though somewhat susceptible to economic changes. High Quality [Member] 2- High Quality [Member] These loans are currently performing satisfactorily, but there are potential weaknesses that may, if not corrected, weaken the asset or inadequately protect the Company's position at some future date. This frequently results from deviating from prudent lending practices, for instance over-advancing on collateral. Watch [Member] 5- Watch [Member] These loans have the general characteristics of a Grade 6 Substandard loan, with heightened potential concerns. The exact amount of loss is not yet known because neither the liquidation value of the collateral nor the borrower's predicted repayment ability is known with confidence. Low Substandard [Member] 7- Low Substandard [Member] Financing arrangement that represents a contractual right to receive money either on demand or on fixed or determinable dates that are current in regards to payments. Performing troubled debt restructuring loan Earnings Per Share, Per Share Amount, Reconciliation [Abstract] Per Share Amount [Abstract] The Company's equity-based compensation arrangement plan, whereby certain stock-based rights, such as stock options, restricted stock, performance units, stock appreciation rights, or book value shares, may be granted to eligible directors and employees. The 1999 Plan expired on May 13, 2009. Plan 1999 [Member] 1999 Plan [Member] The Company's equity-based compensation arrangement plan approved by shareholders' on May 7, 2009 (the "2009 Plan") whereby certain stock-based rights, such as stock options, restricted stock, performance units, stock appreciation rights, or book value shares, may be granted to eligible directors and employees. Plan 2009 [Member] 2009 Plan [Member] Information by the grant period of equity-based payment awards. Grant Period [Axis] The grant period of equity-based payment awards. Grant Period [Domain] Equity-based payment awards granted in 1999. In 1999 [Member] Equity-based payment awards granted subsequent to 1999. Subsequent to 1999 [Member] Equity-based payment awards granted in 2007. In 2007 [Member] Equity-based payment awards granted in 2008. In 2008 [Member] The expiration period for equity-based award after issuance. Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period Expiration period This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents US government agency issued debt securities. United States Government Agency Debt Securities Fair Value Disclosure U.S. Government sponsored enterprises This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents debt issued by US states and political subdivisions. State And Political Subdivision Debt Fair Value Disclosure State and political subdivisions This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents debt securities issued by corporations. Corporate Bonds Fair Value Disclosure Corporate bonds EX-101.PRE 10 pebk-20120630_pre.xml PEOPLES BANCORP OF NORTH CAROLINA, INC. TAXONOMY EXTENSION PRESENTATION LINKBASE XML 11 R33.htm IDEA: XBRL DOCUMENT v2.4.0.6
Fair Value, impaired loans (Details) (Nonrecurring [Member], USD $)
In Thousands, unless otherwise specified
6 Months Ended 12 Months Ended
Jun. 30, 2012
Dec. 31, 2011
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired Loans $ 51,729 $ 49,901
Other Real Estate 6,505 7,576
Impaired loans [Member]
   
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total Gains (Losses) (4,217) (11,864)
Other real estate [Member]
   
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total Gains (Losses) (384) (1,322)
Level 1 Valuation [Member]
   
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired Loans 0 0
Other Real Estate 0 0
Level 2 Valuation [Member]
   
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired Loans 345 431
Other Real Estate 0 0
Level 3 Valuation [Member]
   
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired Loans 51,384 49,470
Other Real Estate $ 6,505 $ 7,576
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Loans, Impaired (Details) (USD $)
In Thousands, unless otherwise specified
6 Months Ended 12 Months Ended
Jun. 30, 2012
Dec. 31, 2011
Financing Receivable, Impaired [Line Items]    
Unpaid Contractual Principal Balance $ 65,734 $ 64,297
Recorded Investment With No Allowance 24,479 19,298
Recorded Investment With Allowance 31,567 35,400
Recorded Investment in Impaired Loans 56,046 54,698
Related Allowance 4,317 4,797
Average Outstanding Impaired Loans 50,169 49,307
Real Estate Loans - Construction and land development [Member]
   
Financing Receivable, Impaired [Line Items]    
Unpaid Contractual Principal Balance 28,750 28,721
Recorded Investment With No Allowance 12,377 14,484
Recorded Investment With Allowance 7,960 6,098
Recorded Investment in Impaired Loans 20,337 20,582
Related Allowance 2,470 3,264
Average Outstanding Impaired Loans 14,990 17,848
Real Estate Loans - Single-family residential [Member]
   
Financing Receivable, Impaired [Line Items]    
Unpaid Contractual Principal Balance 29,103 26,382
Recorded Investment With No Allowance 5,475 969
Recorded Investment With Allowance 22,927 24,719
Recorded Investment in Impaired Loans 28,402 25,688
Related Allowance 1,533 1,427
Average Outstanding Impaired Loans 28,841 25,102
Real estate loans - Commercial [Member]
   
Financing Receivable, Impaired [Line Items]    
Unpaid Contractual Principal Balance 6,250 7,717
Recorded Investment With No Allowance 5,018 3,845
Recorded Investment With Allowance 663 3,139
Recorded Investment in Impaired Loans 5,681 6,984
Related Allowance 299 77
Average Outstanding Impaired Loans 4,872 4,518
Real Estate Loans - Multifamily and farmland [Member]
   
Financing Receivable, Impaired [Line Items]    
Unpaid Contractual Principal Balance 201 209
Recorded Investment With No Allowance 201 0
Recorded Investment With Allowance 0 209
Recorded Investment in Impaired Loans 201 209
Related Allowance 0 1
Average Outstanding Impaired Loans 202 214
Total impaired real estate loans [Member]
   
Financing Receivable, Impaired [Line Items]    
Unpaid Contractual Principal Balance 64,304 63,029
Recorded Investment With No Allowance 23,071 19,298
Recorded Investment With Allowance 31,550 34,165
Recorded Investment in Impaired Loans 54,621 53,463
Related Allowance 4,302 4,769
Average Outstanding Impaired Loans 48,905 47,682
Commercial (not secured by real estate) [Member]
   
Financing Receivable, Impaired [Line Items]    
Unpaid Contractual Principal Balance 1,408 1,111
Recorded Investment With No Allowance 1,408 0
Recorded Investment With Allowance 0 1,083
Recorded Investment in Impaired Loans 1,408 1,083
Related Allowance 15 26
Average Outstanding Impaired Loans 1,222 1,485
Consumer loans (not secured by real estate) [Member]
   
Financing Receivable, Impaired [Line Items]    
Unpaid Contractual Principal Balance 22 157
Recorded Investment With No Allowance 0 0
Recorded Investment With Allowance 17 152
Recorded Investment in Impaired Loans 17 152
Related Allowance 0 2
Average Outstanding Impaired Loans $ 42 $ 140
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Loans
6 Months Ended
Jun. 30, 2012
Loans [Abstract]  
Loans
(3)
    Loans
 
Major classifications of loans at June 30, 2012 and December 31, 2011 are summarized as follows:
 
(Dollars in thousands)
   
 
June 30, 2012
 
December 31, 2011
Real estate loans
   
     Construction and land development
$86,498 93,812
     Single-family residential
 255,339 267,051
     Commercial
 207,245 214,415
     Multifamily and farmland
 5,285 4,793
          Total real estate loans
 554,367 580,071
      
Commercial loans (not secured by real estate)
 59,416 60,646
Consumer loans (not secured by real estate)
 10,205 10,490
All other loans (not secured by real estate)
 18,827 19,290
     Total loans
 642,815 670,497
      
Less allowance for loan losses
 16,640 16,604
      
     Total net loans
$626,175 653,893
 
The Bank grants loans and extensions of credit primarily within the Catawba Valley region of North Carolina, which encompasses Catawba, Alexander, Iredell and Lincoln counties and also in Mecklenburg, Union and Wake counties of North Carolina.  Although the Bank has a diversified loan portfolio, a substantial portion of the loan portfolio is collateralized by improved and unimproved real estate, the value of which is dependent upon the real estate market.

Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Loans are placed on non-accrual status when, in management's opinion, the borrower may be unable to meet payment obligations as they become due, as well as when required by regulatory provisions. Loans may be placed on non-accrual status regardless of whether or not such loans are considered past due. When interest accrual is discontinued, all unpaid accrued interest is reversed. Interest income is subsequently recognized only to the extent cash payments are received in excess of principal due. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
 
The following tables present an age analysis of past due loans, by loan type, as of June 30, 2012 and December 31, 2011:

June 30, 2012
        
(Dollars in thousands)
        
 
Loans 30-89
Days Past
Due
Loans 90 or
More Days
Past Due
 
Total Past
Due
Loans
Total
Current
Loans
 
Total Loans
 
Accruing
Loans 90 or
More Days
Past Due
Real estate loans
           
     Construction and land development
$6,538 3,012 9,550 76,948 86,498 -   
     Single-family residential
 6,711 4,175 10,886 244,453 255,339 1,797
     Commercial
 2,161 1,543 3,704 203,541 207,245 -   
     Multifamily and farmland
 -     -     -     5,285 5,285 -   
          Total real estate loans
 15,410 8,730 24,140 530,227 554,367 1,797
              
Commercial loans (not secured by real estate)
 743 17 760 58,656 59,416 -   
Consumer loans (not secured by real estate)
 102 4 106 10,099 10,205 -   
All other loans (not secured by real estate)
 -     -     -     18,827 18,827 -   
     Total loans
$16,255 8,751 25,006 617,809 642,815 1,797
 
December 31, 2011
        
(Dollars in thousands)
        
 
Loans 30-89
Days Past
Due
Loans 90 or
More Days
Past Due
 
Total Past
Due
Loans
Total
Current
Loans
 
Total Loans
 
Accruing
Loans 90 or
More Days
Past Due
Real estate loans
           
     Construction and land development
$10,033 3,338 13,371 80,441 93,812 -   
     Single-family residential
 16,536 6,189 22,725 244,326 267,051 2,709
     Commercial
 1,002 958 1,960 212,455 214,415 -   
     Multifamily and farmland
 13 -     13 4,780 4,793 -   
          Total real estate loans
 27,584 10,485 38,069 542,002 580,071 2,709
              
Commercial loans (not secured by real estate)
 576 9 585 60,061 60,646 -   
Consumer loans (not secured by real estate)
 116 36 152 10,338 10,490 -   
All other loans (not secured by real estate)
 -     -     -     19,290 19,290 -   
     Total loans
$28,276 10,530 38,806 631,691 670,497 2,709
 
The following table presents the Company's non-accrual loans as of June 30, 2012 and December 31, 2011:
 
(Dollars in thousands)
   
 
June 30, 2012
 
December 31, 2011
Real estate loans
   
     Construction and land development
$12,624 13,257
     Single-family residential
 4,626 5,522
     Commercial
 3,234 2,451
     Multifamily and farmland
 -     -   
          Total real estate loans
 20,484 21,230
      
Commercial loans (not secured by real estate)
 575 403
Consumer loans (not secured by real estate)
 15 152
     Total
$21,074 21,785
 
At each reporting period, the Bank determines which loans are impaired.  Accordingly, the Bank's impaired loans are reported at their estimated fair value on a non-recurring basis.  An allowance for each impaired loan, which is generally collateral-dependent, is calculated based on the fair value of its collateral.  The fair value of the collateral is based on appraisals performed by REAS, a subsidiary of the Bank.  REAS is staffed by certified appraisers that also perform appraisals for other companies.   Factors including the assumptions and techniques utilized by the appraiser are considered by management.  If the recorded investment in the impaired loan exceeds the measure of fair value of the collateral, a valuation allowance is recorded as a component of the allowance for loan losses.  Impaired loans under $250,000 are not individually evaluated for impairment, with the exception of the Bank's troubled debt restructured ("TDR") loans in the residential mortgage loan portfolio, which are individually evaluated for impairment.  Accruing impaired loans were $35.0 million, $20.3 million and $30.6 million at June 30, 2012, June 30, 2011 and December 31, 2011, respectively.  Interest income recognized on accruing impaired loans was $1.1 million, $595,000 and $1.7 million for the six months ended June 30, 2012, the six months ended June 30, 2011 and the year ended December 31, 2011, respectively.  No interest income is recognized on non-accrual impaired loans subsequent to their classification as impaired.

The following tables present the Company's impaired loans as of June 30, 2012 and December 31, 2011:

June 30, 2012
          
(Dollars in thousands)
          
 
Unpaid Contractual Principal
Balance
 
Recorded Investment
With No Allowance
 
Recorded Investment
With
Allowance
 
Recorded Investment
in Impaired
Loans
 
Related
Allowance
 
Average Outstanding Impaired
Loans
Real estate loans
           
     Construction and land development
$28,750 12,377 7,960 20,337 2,470 14,990
     Single-family residential
 29,103 5,475 22,927 28,402 1,533 28,841
     Commercial
 6,250 5,018 663 5,681 299 4,872
     Multifamily and farmland
 201 201 -     201 -     202
          Total impaired real estate loans
 64,304 23,071 31,550 54,621 4,302 48,905
              
Commercial loans (not secured by real estate)
 1,408 1,408 -     1,408 15 1,222
Consumer loans (not secured by real estate)
 22 -     17 17 -     42
     Total impaired loans
$65,734 24,479 31,567 56,046 4,317 50,169
 
December 31, 2011
          
(Dollars in thousands)
          
 
Unpaid Contractual Principal
Balance
 
Recorded Investment
With No Allowance
 
Recorded Investment
With
Allowance
 
Recorded Investment
in Impaired
Loans
 
Related
Allowance
 
Average Outstanding Impaired
Loans
Real estate loans
           
     Construction and land development
$28,721 14,484 6,098 20,582 3,264 17,848
     Single-family residential
 26,382 969 24,719 25,688 1,427 25,102
     Commercial
 7,717 3,845 3,139 6,984 77 4,518
     Multifamily and farmland
 209 -     209 209 1 214
          Total impaired real estate loans
 63,029 19,298 34,165 53,463 4,769 47,682
              
Commercial loans (not secured by real estate)
 1,111 -     1,083 1,083 26 1,485
Consumer loans (not secured by real estate)
 157 -     152 152 2 140
     Total impaired loans
$64,297 19,298 35,400 54,698 4,797 49,307
 
Changes in the allowance for loan losses for the six months ended June 30, 2012 and the year ended December 31, 2011 were as follows:
 
Six months ended June 30, 2012
           
(Dollars in thousands)
             
 
Real Estate Loans
         
 
Construction and Land Development
 
Single-
Family Residential
 
Commercial
 
Multifamily
and
Farmland
 
Commercial
 
Consumer
and All
Other
 
Unallocated
 
Total
 
Allowance for loan losses:
               
Beginning balance
$7,182 5,357 1,731 13 1,029 255 1,037 16,604 
Charge-offs
 (2,381)(861)(523)- (343)(268)- (4,376)
Recoveries
 218 69 374 - 11 88 - 760 
Provision
 2,626 561 (66)- (68)116 483 3,652 
Ending balance
$7,645 5,126 1,516 13 629 191 1,520 16,640 
                   
Ending balance: individually
               
evaluated for impairment
$1,101 1,364 - - - - - 2,465 
Ending balance: collectively
               
 evaluated for impairment
 6,544 3,762 1,516 13 629 191 1,520 14,175 
Ending balance
$7,645 5,126 1,516 13 629 191 1,520 16,640 
                   
Loans:
                 
Ending balance
$86,498 255,339 207,245 5,285 59,416 29,032 - 642,815 
                   
Ending balance: individually
               
evaluated for impairment
$19,789 23,452 4,961 - 362 - - 48,564 
Ending balance: collectively
               
 evaluated for impairment
$66,709 231,887 202,284 5,285 59,054 29,032 - 594,251 
 
Year ended December 31, 2011
           
(Dollars in thousands)
            
 
Real Estate Loans
         
 
Construction and Land Development
 
Single-
Family Residential
 
Commercial
 
Multifamily and
Farmland
 
Commercial
 
Consumer
and All
Other
 
Unallocated
 
Total
 
Allowance for loan losses:
               
Beginning balance
$5,774 6,097 1,409 17 1,174 430 592 15,493 
Charge-offs
 (7,164)(2,925)(1,271)- (314)(586)- (12,260)
Recoveries
 241 201 24 - 121 152 - 739 
Provision
 8,331 1,984 1,569 (4)48 259 445 12,632 
Ending balance
$7,182 5,357 1,731 13 1,029 255 1,037 16,604 
                   
Ending balance: individually
               
evaluated for impairment
$1,250 1,289 - - - - - 2,539 
Ending balance: collectively
               
 evaluated for impairment
 5,932 4,068 1,731 13 1,029 255 1,037 14,065 
Ending balance
$7,182 5,357 1,731 13 1,029 255 1,037 16,604 
                   
Loans:
                 
Ending balance
$93,812 267,051 214,415 4,793 60,646 29,780 - 670,497 
                   
Ending balance: individually
               
evaluated for impairment
$20,280 20,661 3,845 - - - - 44,786 
Ending balance: collectively
               
 evaluated for impairment
$73,532 246,390 210,570 4,793 60,646 29,780 - 625,711 
 
The Company utilizes an internal risk grading matrix to assign a risk grade to each of its loans.  Loans are graded on a scale of 1 to 9.  These risk grades are evaluated on an ongoing basis.  A description of the general characteristics of the nine risk grades is as follows:
 
·
Risk Grade 1 - Excellent Quality: Loans are well above average quality and a minimal amount of credit risk exists. CD or cash secured loans or properly margined actively traded stock or bond secured loans would fall in this grade.
·
Risk Grade 2 - High Quality: Loans are of good quality with risk levels well within the Company's range of acceptability. The organization or individual is established with a history of successful performance though somewhat susceptible to economic changes.
·
Risk Grade 3 - Good Quality: Loans of average quality with risk levels within the Company's range of acceptability but higher than normal. This may be a new organization or an existing organization in a transitional phase (e.g. expansion, acquisition, market change).
·
Risk Grade 4 - Management Attention: These loans have very high risk and servicing needs but still are acceptable. Evidence of marginal performance or deteriorating trends are evident. These are not problem credits presently, but may be in the future if the borrower is unable to change its present course.
·
Risk Grade 5 - Watch: These loans are currently performing satisfactorily, but there are potential weaknesses that may, if not corrected, weaken the asset or inadequately protect the Company's position at some future date. This frequently results from deviating from prudent lending practices, for instance over-advancing on collateral.
·
Risk Grade 6 - Substandard: A Substandard loan is inadequately protected by the current sound net worth and paying capacity of the obligor or the collateral pledged (if there is any). There is a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. There is a distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.
·
Risk Grade 7 - Low Substandard: These loans have the general characteristics of a Grade 6 Substandard loan, with heightened potential concerns. The exact amount of loss is not yet known because neither the liquidation value of the collateral nor the borrower's predicted repayment ability is known with confidence.
·
Risk Grade 8 - Doubtful: Loans classified as Doubtful have all the weaknesses inherent in loans classified Substandard, plus the added characteristic that the weaknesses make collection or liquidation in full on the basis of currently existing facts, conditions, and values highly questionable and improbable. Doubtful is a temporary grade where a loss is expected but is presently not quantified with any degree of accuracy. Once the loss position is determined, the amount is charged off.
·
Risk Grade 9 - Loss: Loans classified as Loss are considered uncollectable and of such little value that their continuance as bankable assets is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off this worthless loan even though partial recovery may be realized in the future. Loss is a temporary grade until the appropriate authority is obtained to charge the loan off.
 
The following tables present the credit risk profile of each loan type based on internally assigned risk grades as of June 30, 2012 and December 31, 2011.
 
June 30, 2012
            
(Dollars in thousands)
            
 
Real Estate Loans
        
 
Construction and Land Development
 
Single-
Family Residential
 
Commercial
 
Multifamily
and
Farmland
 
Commercial
 
Consumer
 
All Other
 
Total
                 
1- Excellent Quality
$193 22,425 - - 902 1,320 - 24,840
2- High Quality
 5,506 61,133 24,729 41 8,293 4,170 2,611 106,483
3- Good Quality
 26,624 94,484 123,709 3,637 36,186 4,065 16,210 304,915
4- Management Attention
 26,320 46,754 47,325 686 12,503 374 6 133,968
5- Watch
 11,861 11,701 5,263 720 325 115 - 29,985
6- Substandard
 15,994 18,842 6,219 201 1,182 161 - 42,599
7- Low Substandard
 - - - - - - - -
8- Doubtful
 - - - - - - - -
9- Loss
 - - - - 25 - - 25
      Total
$86,498 255,339 207,245 5,285 59,416 10,205 18,827 642,815
 
December 31, 2011
            
(Dollars in thousands)
            
 
Real Estate Loans
        
 
Construction and Land Development
 
Single-
Family Residential
 
Commercial
 
Multifamily
and
Farmland
 
Commercial
 
Consumer
 
All Other
 
Total
                 
1- Excellent Quality
$197 25,474 - - 715 1,344 - 27,730
2- High Quality
 5,183 64,817 25,506 50 8,801 4,070 2,774 111,201
3- Good Quality
 27,675 100,388 136,137 3,448 36,585 4,259 16,509 325,001
4- Management Attention
 28,138 50,253 40,312 358 12,882 429 7 132,379
5- Watch
 15,923 11,767 2,795 728 622 89 - 31,924
6- Substandard
 16,696 14,352 9,665 209 1,041 154 - 42,117
7- Low Substandard
 - - - - - - - -
8- Doubtful
 - - - - - - - -
9- Loss
 - - - - - 145 - 145
      Total
$93,812 267,051 214,415 4,793 60,646 10,490 19,290 670,497
 
At June 30, 2012, TDR loans were $22.7 million, including $1.7 million in performing TDR loans.  Effective March 31, 2012, performing TDR balances reflect current year TDR loans only, in accordance with GAAP.  Previously reported TDR amounts reflect cumulative TDR loans from prior periods in addition to current year TDR loans.  At December 31, 2011, TDR loans were $44.1 million, including $15.1 million in performing TDR loans.   The terms of these loans have been renegotiated to provide a reduction in principal or interest as a result of the deteriorating financial position of the borrower.

The following table presents an analysis of TDR loans by loan type as of June 30, 2012 and December 31, 2011.
 
June 30, 2012
     
(Dollars in thousands)
     
 
Number of Contracts
 
Pre-Modification Outstanding
Recorded
Investment
 
Post-Modification Outstanding
Recorded
Investment
Real estate loans
     
     Construction and land development
22 $17,661 10,990
     Single-family residential
100  10,557 9,726
     Commercial
7  3,829 1,648
          Total real estate TDR loans
129  32,047 22,364
        
Commercial loans (not secured by real estate)
9  503 379
Consumer loans (not secured by real estate)
3  7 5
     Total TDR loans
141 $32,557 22,748
 
December 31, 2011
     
(Dollars in thousands)
     
 
Number of
Contracts
 
Pre-Modification Outstanding
Recorded
Investment
 
Post-Modification Outstanding
Recorded
Investment
Real estate loans
     
     Construction and land development
29 $19,762 12,840
     Single-family residential
241  25,541 24,846
     Commercial
15  7,200 5,013
     Multifamily and Farmland
1  322 209
          Total real estate TDR loans
286  52,825 42,908
        
Commercial loans (not secured by real estate)
21  1,711 1,083
Consumer loans (not secured by real estate)
8  124 142
     Total TDR loans
315 $54,660 44,133
 
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Net Earnings Per Common Share (Details) (USD $)
In Thousands, except Share data, unless otherwise specified
3 Months Ended 6 Months Ended
Jun. 30, 2012
Jun. 30, 2011
Jun. 30, 2012
Jun. 30, 2011
Net Earnings Available to Common Shareholders [Abstract]        
Basic earnings per common share $ 1,161 $ 281 $ 2,471 $ 1,293
Effect of dilutive securities, Stock options 0 0 0 0
Diluted earnings per common share $ 1,161 $ 281 $ 2,471 $ 1,293
Common Shares [Abstract]        
Basic earnings per common share (in shares) 5,544,160 5,542,703 5,544,160 5,542,126
Effect of dilutive securities, Stock options (in shares) 3,928 1,739 1,964 1,646
Diluted earnings per common share (in shares) 5,548,088 5,544,442 5,546,124 5,543,772
Per Share Amount [Abstract]        
Basic earnings per common share (in dollars per share) $ 0.21 $ 0.05 $ 0.45 $ 0.23
Diluted earnings per common share (in dollars per share) $ 0.21 $ 0.05 $ 0.45 $ 0.23

XML 17 R28.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans, Troubled Debt Restructuring (Details) (USD $)
Jun. 30, 2012
Dec. 31, 2011
Financing Receivable, Modifications [Line Items]    
Number of Contracts 141 315
Pre-Modification Outstanding Recorded Investment $ 32,557,000 $ 54,660,000
Post-Modification Outstanding Recorded Investment 22,748,000 44,133,000
Performing troubled debt restructuring loan 1,700,000 15,100,000
Real Estate Loans - Construction and land development [Member]
   
Financing Receivable, Modifications [Line Items]    
Number of Contracts 22 29
Pre-Modification Outstanding Recorded Investment 17,661,000 19,762,000
Post-Modification Outstanding Recorded Investment 10,990,000 12,840,000
Real Estate Loans - Single-family residential [Member]
   
Financing Receivable, Modifications [Line Items]    
Number of Contracts 100 241
Pre-Modification Outstanding Recorded Investment 10,557,000 25,541,000
Post-Modification Outstanding Recorded Investment 9,726,000 24,846,000
Real Estate Loans - Commercial [Member]
   
Financing Receivable, Modifications [Line Items]    
Number of Contracts 7 15
Pre-Modification Outstanding Recorded Investment 3,829,000 7,200,000
Post-Modification Outstanding Recorded Investment 1,648,000 5,013,000
Real Estate Loans - Multifamily and farmland [Member]
   
Financing Receivable, Modifications [Line Items]    
Number of Contracts   1
Pre-Modification Outstanding Recorded Investment   322,000
Post-Modification Outstanding Recorded Investment   209,000
Total real estate TDR loans [Member]
   
Financing Receivable, Modifications [Line Items]    
Number of Contracts 129 286
Pre-Modification Outstanding Recorded Investment 32,047,000 52,825,000
Post-Modification Outstanding Recorded Investment 22,364,000 42,908,000
Commercial (not secured by real estate) [Member]
   
Financing Receivable, Modifications [Line Items]    
Number of Contracts 9 21
Pre-Modification Outstanding Recorded Investment 503,000 1,711,000
Post-Modification Outstanding Recorded Investment 379,000 1,083,000
Consumer loans (not secured by real estate) [Member]
   
Financing Receivable, Modifications [Line Items]    
Number of Contracts 3 8
Pre-Modification Outstanding Recorded Investment 7,000 124,000
Post-Modification Outstanding Recorded Investment $ 5,000 $ 142,000
XML 18 R30.htm IDEA: XBRL DOCUMENT v2.4.0.6
Stock-Based Compensation (Details) (USD $)
6 Months Ended 3 Months Ended 12 Months Ended 3 Months Ended 6 Months Ended
Jun. 30, 2012
Restricted Stock Units (RSUs) [Member]
Jun. 30, 2012
Restricted Stock Units (RSUs) [Member]
In 2007 [Member]
Jun. 30, 2012
Restricted Stock Units (RSUs) [Member]
In 2008 [Member]
Jun. 30, 2012
1999 Plan [Member]
Jun. 30, 2012
1999 Plan [Member]
Stock Options [Member]
Jun. 30, 2012
1999 Plan [Member]
Stock Options [Member]
Subsequent to 1999 [Member]
Dec. 31, 2008
1999 Plan [Member]
Restricted Stock Units (RSUs) [Member]
Sep. 30, 2008
1999 Plan [Member]
Restricted Stock Units (RSUs) [Member]
Dec. 31, 2007
1999 Plan [Member]
Restricted Stock Units (RSUs) [Member]
Dec. 31, 2009
2009 Plan [Member]
Jun. 30, 2012
2009 Plan [Member]
Mar. 31, 2012
2009 Plan [Member]
Restricted Stock Units (RSUs) [Member]
Jun. 30, 2012
2009 Plan [Member]
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]                          
Award vesting period         5 years 3 years             5 years
Plan expiration date       May 13, 2009                  
Expiration period         10 years                
Granted (in shares)             2,000 1,750 3,000     29,514  
Grant date fair value (in dollars per share)             $ 11.37 $ 12.80 $ 17.40     $ 7.90  
Unrecognized compensation cost related to restricted stock grants $ 219,000 $ 0 $ 0                    
Stock reserved for issuance (in shares)                     330,486    
Terms of Award                   All rights must be granted or awarded within ten years from the May 7, 2009 effective date of the 2009 Plan.      
XML 19 R31.htm IDEA: XBRL DOCUMENT v2.4.0.6
Fair Value (Details) (Recurring [Member], USD $)
In Thousands, unless otherwise specified
Jun. 30, 2012
Dec. 31, 2011
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Mortgage-backed Securities $ 166,021 $ 213,693
U.S. Government sponsored enterprises 2,930 7,694
State and political subdivisions 107,675 97,097
Corporate bonds 1,545 543
Trust preferred securities 1,250 1,250
Equity securities 1,314 1,111
Mortgage loans held for sale 3,753 5,146
Level 1 Valuation [Member]
   
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Mortgage-backed Securities 0 0
U.S. Government sponsored enterprises 0 0
State and political subdivisions 0 0
Corporate bonds 0 0
Trust preferred securities 0 0
Equity securities 1,314 1,111
Mortgage loans held for sale 0 0
Level 2 Valuation [Member]
   
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Mortgage-backed Securities 166,021 208,349
U.S. Government sponsored enterprises 2,930 7,694
State and political subdivisions 107,675 97,097
Corporate bonds 1,545 543
Trust preferred securities 0 0
Equity securities 0 0
Mortgage loans held for sale 0 0
Level 3 Valuation [Member]
   
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Mortgage-backed Securities 0 5,344
U.S. Government sponsored enterprises 0 0
State and political subdivisions 0 0
Corporate bonds 0 0
Trust preferred securities 1,250 1,250
Equity securities 0 0
Mortgage loans held for sale $ 3,753 $ 5,146
XML 20 R8.htm IDEA: XBRL DOCUMENT v2.4.0.6
Investment Securities
6 Months Ended
Jun. 30, 2012
Investment Securities [Abstract]  
Investment Securities
(2)
    Investment Securities
 
Investment securities available for sale at June 30, 2012 and December 31, 2011 are as follows:

(Dollars in thousands)
       
 
June 30, 2012
 
Amortized
Cost
 
Gross
Unrealized
Gains
 
Gross
Unrealized
Losses
 
Estimated Fair
Value
Mortgage-backed securities
$164,423 1,981 383 166,021
U.S. Government
        
sponsored enterprises
 2,853 77 -     2,930
State and political subdivisions
 102,342 5,368 35 107,675
Corporate bonds
 1,539 6 -     1,545
Trust preferred securities
 1,250 -     -     1,250
Equity securities
 748 566 -     1,314
Total
$273,155 7,998 418 280,735
          
(Dollars in thousands)
        
 
December 31, 2011
 
Amortized
Cost
 
Gross
Unrealized
Gains
 
Gross
Unrealized
Losses
 
Estimated Fair
Value
Mortgage-backed securities
$213,378 1,371 1,056 213,693
U.S. Government
        
sponsored enterprises
 7,429 265 -     7,694
State and political subdivisions
 92,996 4,157 56 97,097
Corporate bonds
 546 -     3 543
Trust preferred securities
 1,250 -     -     1,250
Equity securities
 748 363 -     1,111
Total
$316,347 6,156 1,115 321,388
 
The current fair value and associated unrealized losses on investments in securities with unrealized losses at June 30, 2012 and December 31, 2011 are summarized in the tables below, with the length of time the individual securities have been in a continuous loss position.
 
(Dollars in thousands)
           
 
June 30, 2012
 
Less than 12 Months
 
12 Months or More
 
Total
 
Fair Value
 
Unrealized
Losses
 
Fair Value
 
Unrealized
Losses
 
Fair Value
 
Unrealized
Losses
Mortgage-backed securities
$50,288 331 2,979 52 53,267 383
State and political subdivisions
 4,149 35 -     -     4,149 35
Total
$54,437 366 2,979 52 57,416 418
 
 
(Dollars in thousands)
           
 
December 31, 2011
 
Less than 12 Months
 
12 Months or More
 
Total
 
Fair Value
 
Unrealized
Losses
 
Fair Value
 
Unrealized
Losses
 
Fair Value
 
Unrealized
Losses
Mortgage-backed securities
$95,122 991 4,125 65 99,247 1,056
State and political subdivisions
 4,444 56 -     -     4,444 56
Corporate bonds
 542 3 -     -     542 3
Total
$100,108 1,050 4,125 65 104,233 1,115
 
At June 30, 2012, unrealized losses in the investment securities portfolio relating to debt securities totaled $418,000.  The unrealized losses on these debt securities arose due to changing interest rates and are considered to be temporary.  From the June 30, 2012 tables above, four out of 134 securities issued by state and political subdivisions contained unrealized losses and 28 out of 93 securities issued by U.S. Government sponsored enterprises, including mortgage-backed securities, contained unrealized losses.  These unrealized losses are considered temporary because of acceptable investment grades on each security and the repayment sources of principal and interest are government backed.

The amortized cost and estimated fair value of investment securities available for sale at June 30, 2012, by contractual maturity, are shown below. Expected maturities of mortgage-backed securities will differ from contractual maturities because borrowers have the right to call or prepay obligations with or without call or prepayment penalties.

(Dollars in thousands)
   
 
Amortized
Cost
 
Estimated Fair
Value
Due within one year
$2,604 2,648
Due from one to five years
 13,130 13,489
Due from five to ten years
 80,180 84,321
Due after ten years
 12,070 12,942
Mortgage-backed securities
 164,423 166,021
Equity securities
 748 1,314
Total
$273,155 280,735
 
Proceeds from sales of securities available for sale during the six months ended June 30, 2012 were $34.8 million and resulted in gross gains of $1.2 million.  Proceeds from sales of securities available for sale during the six months ended June 30, 2011 were $35.3 million and resulted in gross gains of $1.3 million.

Securities with a fair value of approximately $87.2 million and $83.6 million at June 30, 2012 and December 31, 2011, respectively, were pledged to secure public deposits and for other purposes as required by law.
XML 21 R32.htm IDEA: XBRL DOCUMENT v2.4.0.6
Fair Value, Unobservable Input Reconciliation (Details) (Investment securities available for sale [Member], USD $)
In Thousands, unless otherwise specified
6 Months Ended
Jun. 30, 2012
Investment securities available for sale [Member]
 
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]  
Balance, beginning of period $ 6,594
Change in book value 0
Change in gain/(loss) realized and unrealized 0
Purchases/(sales) 0
Transfers in and/or (out) of Level 3 (5,344)
Balance, end of period 1,250
Change in unrealized gain/(loss) for assets still held in Level 3 $ 0
XML 22 R2.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Balance Sheets (Unaudited) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2012
Dec. 31, 2011
Assets    
Cash and due from banks, including reserve requirements of $9,601 and $8,492 $ 25,350 $ 22,532
Interest bearing deposits 44,127 6,704
Cash and cash equivalents 69,477 29,236
Investment securities available for sale 280,735 321,388
Other investments 5,734 5,712
Total securities 286,469 327,100
Mortgage loans held for sale 3,753 5,146
Loans 642,815 670,497
Less allowance for loan losses (16,640) (16,604)
Net loans 626,175 653,893
Premises and equipment, net 16,342 16,896
Cash surrender value of life insurance 13,040 12,835
Other real estate 6,505 7,576
Accrued interest receivable and other assets 13,328 14,381
Total assets 1,035,089 1,067,063
Deposits:    
Non-interest bearing demand 147,825 136,878
NOW, MMDA & savings 353,076 366,133
Time, $100,000 or more 156,974 193,045
Other time 122,671 131,055
Total deposits 780,546 827,111
Securities sold under agreements to repurchase 50,510 39,600
FHLB borrowings 70,000 70,000
Junior subordinated debentures 20,619 20,619
Accrued interest payable and other liabilities 18,574 6,706
Total liabilities 940,249 964,036
Commitments      
Shareholders' equity:    
Series A preferred stock, $1,000 stated value; authorized 5,000,000 shares; issued and outstanding 12,524 shares in 2012 and 25,054 shares in 2011 12,298 24,758
Common stock, no par value; authorized 20,000,000 shares; issued and outstanding 5,544,160 shares in 2012 and 2011 48,298 48,298
Retained earnings 29,617 26,895
Accumulated other comprehensive income 4,627 3,076
Total shareholders' equity 94,840 103,027
Total liabilities and shareholders' equity $ 1,035,089 $ 1,067,063
XML 23 R6.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Cash Flows (Unaudited) (USD $)
In Thousands, unless otherwise specified
6 Months Ended
Jun. 30, 2012
Jun. 30, 2011
Cash flows from operating activities:    
Net earnings $ 3,168 $ 1,990
Adjustments to reconcile net earnings to net cash provided by operating activities:    
Depreciation, amortization and accretion 4,406 2,853
Provision for loan losses 3,652 6,318
Gain on sale of investment securities (1,191) (1,256)
Loss on sale of other real estate 40 143
Write-down of other real estate 344 565
Restricted stock expense 17 7
Change in:    
Mortgage loans held for sale 1,393 1,847
Cash surrender value of life insurance (205) (121)
Other assets (267) 394
Other liabilities 11,867 (135)
Net cash provided by operating activities 23,224 12,605
Cash flows from investing activities:    
Purchases of investment securities available for sale (25,473) (80,971)
Proceeds from calls, maturities and paydowns of investment securities available for sale 31,641 24,749
Proceeds from sales of investment securities available for sale 34,788 35,269
Purchases of other investments (493) (232)
Proceeds from sale of other investments 471 153
Net change in loans 21,662 24,691
Purchases of premises and equipment (426) (1,214)
Proceeds from sale of other real estate 3,406 1,679
Net cash provided by investing activities 65,576 4,124
Cash flows from financing activities:    
Net change in deposits (46,565) (8,302)
Net change in demand notes payable to U.S. Treasury 0 (348)
Net change in securities sold under agreement to repurchase 10,910 10,418
Proceeds from FHLB borrowings 25,400 5,000
Repayments of FHLB borrowings (25,400) (5,000)
Preferred Stock Repurchase (11,695) 0
Restricted stock payout 0 9
Cash dividends paid on Series A preferred stock (710) (626)
Cash dividends paid on common stock (499) (222)
Net cash (used) provided by financing activities (48,559) 929
Net change in cash and cash equivalent 40,241 17,658
Cash and cash equivalents at beginning of period 29,236 23,977
Cash and cash equivalents at end of period 69,477 41,635
Cash paid during the year for:    
Interest 4,737 5,924
Income taxes 985 112
Noncash investing and financing activities:    
Change in unrealized gain on investment securities available for sale, net 1,551 (2,921)
Change in unrealized gain on derivative financial instruments, net 0 395
Transfer of loans to other real estate and repossessions 2,707 6,051
Financed portion of sale of other real estate 303 3,222
Accretion of Series A preferred stock 70 70
Discount on preferred stock $ 835 $ 0
XML 24 R35.htm IDEA: XBRL DOCUMENT v2.4.0.6
Derivative Instruments and Hedging Activities (Details) (Cash Flow Hedging [Member], Interest Rate Derivative Contract [Member], USD $)
In Thousands, unless otherwise specified
6 Months Ended
Jun. 30, 2012
Jun. 30, 2011
Derivative Instruments, Gain (Loss) [Line Items]    
Amount of Gain (Loss) Recognized in Accumulated OCI on Derivatives $ 0 $ (20)
Interest Income [Member]
   
Derivative Instruments, Gain (Loss) [Line Items]    
Amount of Gain (Loss) Reclassified from Accumulated OCI into Income $ 0 $ 628
XML 25 R22.htm IDEA: XBRL DOCUMENT v2.4.0.6
Investment Securities (Details) (USD $)
6 Months Ended 12 Months Ended
Jun. 30, 2012
Jun. 30, 2011
Dec. 31, 2011
Investment securities available for sale [Abstract]      
Amortized Cost $ 273,155,000   $ 316,347,000
Gross Unrealized Gains 7,998,000   6,156,000
Gross Unrealized Losses 418,000   1,115,000
Estimated Fair Value 280,735,000   321,388,000
Investment securities with continuous unrealized loss position [Abstract]      
Less than 12 Months, Fair Value 54,437,000   100,108,000
12 Months or More, Fair Value 2,979,000   4,125,000
Total, Fair Value 57,416,000   104,233,000
Less than 12 Months, Unrealized Losses 366,000   1,050,000
12 Months or More, Unrealized Losses 52,000   65,000
Total, Unrealized Losses 418,000   1,115,000
Unrealized losses in investment securities 418,000   1,115,000
Amortized Cost [Abstract]      
Due within one year 2,604,000    
Due from one to five years 13,130,000    
Due from five to ten years 80,180,000    
Due after ten years 12,070,000    
Mortgage-backed securities 164,423,000    
Equity securities 748,000    
Total 273,155,000    
Estimated Fair Value [Abstract]      
Due within one year 2,648,000    
Due from one to five years 13,489,000    
Due from five to ten years 84,321,000    
Due after ten years 12,942,000    
Mortgage-backed securities 166,021,000    
Equity securities 1,314,000    
Total 280,735,000    
Proceeds from sales of securities available for sale 34,788,000 35,269,000  
Gross gains on sales of securities available for sale 1,191,000 1,256,000  
Securities pledged to secure public deposits and for other purposes, fair value 87,200,000   83,600,000
Mortgage-backed securities [Member]
     
Investment securities available for sale [Abstract]      
Amortized Cost 164,423,000   213,378,000
Gross Unrealized Gains 1,981,000   1,371,000
Gross Unrealized Losses 383,000   1,056,000
Estimated Fair Value 166,021,000   213,693,000
Investment securities with continuous unrealized loss position [Abstract]      
Less than 12 Months, Fair Value 50,288,000   95,122,000
12 Months or More, Fair Value 2,979,000   4,125,000
Total, Fair Value 53,267,000   99,247,000
Less than 12 Months, Unrealized Losses 331,000   991,000
12 Months or More, Unrealized Losses 52,000   65,000
Total, Unrealized Losses 383,000   1,056,000
U.S. Government sponsored enterprises [Member]
     
Investment securities available for sale [Abstract]      
Amortized Cost 2,853,000   7,429,000
Gross Unrealized Gains 77,000   265,000
Gross Unrealized Losses 0   0
Estimated Fair Value 2,930,000   7,694,000
Investment securities with continuous unrealized loss position [Abstract]      
Number of securities issued with unrealized losses 28    
State and political subdivisions [Member]
     
Investment securities available for sale [Abstract]      
Amortized Cost 102,342,000   92,996,000
Gross Unrealized Gains 5,368,000   4,157,000
Gross Unrealized Losses 35,000   56,000
Estimated Fair Value 107,675,000   97,097,000
Investment securities with continuous unrealized loss position [Abstract]      
Less than 12 Months, Fair Value 4,149,000   4,444,000
12 Months or More, Fair Value 0   0
Total, Fair Value 4,149,000   4,444,000
Less than 12 Months, Unrealized Losses 35,000   56,000
12 Months or More, Unrealized Losses 0   0
Total, Unrealized Losses 35,000   56,000
Number of securities issued with unrealized losses 4    
Corporate bonds [Member]
     
Investment securities available for sale [Abstract]      
Amortized Cost 1,539,000   546,000
Gross Unrealized Gains 6,000   0
Gross Unrealized Losses 0   3,000
Estimated Fair Value 1,545,000   543,000
Investment securities with continuous unrealized loss position [Abstract]      
Less than 12 Months, Fair Value     542,000
12 Months or More, Fair Value     0
Total, Fair Value     542,000
Less than 12 Months, Unrealized Losses     3,000
12 Months or More, Unrealized Losses     0
Total, Unrealized Losses     3,000
Trust preferred securities [Member]
     
Investment securities available for sale [Abstract]      
Amortized Cost 1,250,000   1,250,000
Gross Unrealized Gains 0   0
Gross Unrealized Losses 0   0
Estimated Fair Value 1,250,000   1,250,000
Equity securities [Member]
     
Investment securities available for sale [Abstract]      
Amortized Cost 748,000   748,000
Gross Unrealized Gains 566,000   363,000
Gross Unrealized Losses 0   0
Estimated Fair Value $ 1,314,000   $ 1,111,000
Maximum [Member] | U.S. Government sponsored enterprises [Member]
     
Investment securities with continuous unrealized loss position [Abstract]      
Number of securities issued with unrealized losses 28    
Maximum [Member] | State and political subdivisions [Member]
     
Investment securities with continuous unrealized loss position [Abstract]      
Number of securities issued with unrealized losses 4    
XML 26 R36.htm IDEA: XBRL DOCUMENT v2.4.0.6
TARP Repurchase (Details) (USD $)
6 Months Ended
Jun. 30, 2012
Dec. 31, 2011
TARP Repurchase [Abstract]    
Number of shares of preferred stock repurchased (in shares) 12,530  
Preferred stock, shares outstanding (in shares) 12,524 25,054
Purchase price per share (in dollars per share) $ 933.36  
Total purchase price $ 11,778,575.90  
Accrued and unpaid dividends on preferred stock included in total purchase price 83,575.10  
Number of shares retired (in shares) 12,530  
Difference between book value and purchase price of preferred stock retired 834,999.20  
Face value of preferred stock retired 12,530,000  
Treasury stock, retired, purchase price $ 11,695,000.80  
XML 27 R24.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans, Past Due (Details) (USD $)
6 Months Ended 12 Months Ended
Jun. 30, 2012
Jun. 30, 2011
Dec. 31, 2011
Financing receivable, recorded investment, past due [Line Items]      
Loans 30-89 Days Past Due $ 16,255,000   $ 28,276,000
Loans 90 or More Days Past Due 8,751,000   10,530,000
Total Past Due Loans 25,006,000   38,806,000
Total Current Loans 617,809,000   631,691,000
Total loans 642,815,000   670,497,000
Accruing Loans 90 or More Days Past Due 1,797,000   2,709,000
Non-accrual loans 21,074,000   21,785,000
Threshold amount of impaired loans not individually evaluated for impairment 250,000   250,000
Accruing impaired loans 35,000,000 20,300,000 30,600,000
Interest income recognized on accruing impaired loans 1,100,000 595,000 1,700,000
Real Estate Loans - Construction and land development [Member]
     
Financing receivable, recorded investment, past due [Line Items]      
Loans 30-89 Days Past Due 6,538,000   10,033,000
Loans 90 or More Days Past Due 3,012,000   3,338,000
Total Past Due Loans 9,550,000   13,371,000
Total Current Loans 76,948,000   80,441,000
Total loans 86,498,000   93,812,000
Accruing Loans 90 or More Days Past Due 0   0
Non-accrual loans 12,624,000   13,257,000
Real Estate Loans - Single-family residential [Member]
     
Financing receivable, recorded investment, past due [Line Items]      
Loans 30-89 Days Past Due 6,711,000   16,536,000
Loans 90 or More Days Past Due 4,175,000   6,189,000
Total Past Due Loans 10,886,000   22,725,000
Total Current Loans 244,453,000   244,326,000
Total loans 255,339,000   267,051,000
Accruing Loans 90 or More Days Past Due 1,797,000   2,709,000
Non-accrual loans 4,626,000   5,522,000
Real estate loans - Commercial [Member]
     
Financing receivable, recorded investment, past due [Line Items]      
Loans 30-89 Days Past Due 2,161,000   1,002,000
Loans 90 or More Days Past Due 1,543,000   958,000
Total Past Due Loans 3,704,000   1,960,000
Total Current Loans 203,541,000   212,455,000
Total loans 207,245,000   214,415,000
Accruing Loans 90 or More Days Past Due 0   0
Non-accrual loans 3,234,000   2,451,000
Real Estate Loans - Multifamily and farmland [Member]
     
Financing receivable, recorded investment, past due [Line Items]      
Loans 30-89 Days Past Due 0   13,000
Loans 90 or More Days Past Due 0   0
Total Past Due Loans 0   13,000
Total Current Loans 5,285,000   4,780,000
Total loans 5,285,000   4,793,000
Accruing Loans 90 or More Days Past Due 0   0
Non-accrual loans 0   0
Total real estate loans [Member]
     
Financing receivable, recorded investment, past due [Line Items]      
Loans 30-89 Days Past Due 15,410,000   27,584,000
Loans 90 or More Days Past Due 8,730,000   10,485,000
Total Past Due Loans 24,140,000   38,069,000
Total Current Loans 530,227,000   542,002,000
Total loans 554,367,000   580,071,000
Accruing Loans 90 or More Days Past Due 1,797,000   2,709,000
Non-accrual loans 20,484,000   21,230,000
Commercial (not secured by real estate) [Member]
     
Financing receivable, recorded investment, past due [Line Items]      
Loans 30-89 Days Past Due 743,000   576,000
Loans 90 or More Days Past Due 17,000   9,000
Total Past Due Loans 760,000   585,000
Total Current Loans 58,656,000   60,061,000
Total loans 59,416,000   60,646,000
Accruing Loans 90 or More Days Past Due 0   0
Non-accrual loans 575,000   403,000
Consumer loans (not secured by real estate) [Member]
     
Financing receivable, recorded investment, past due [Line Items]      
Loans 30-89 Days Past Due 102,000   116,000
Loans 90 or More Days Past Due 4,000   36,000
Total Past Due Loans 106,000   152,000
Total Current Loans 10,099,000   10,338,000
Total loans 10,205,000   10,490,000
Accruing Loans 90 or More Days Past Due 0   0
Non-accrual loans 15,000   152,000
All other loans (not secured by real estate) [Member]
     
Financing receivable, recorded investment, past due [Line Items]      
Loans 30-89 Days Past Due 0   0
Loans 90 or More Days Past Due 0   0
Total Past Due Loans 0   0
Total Current Loans 18,827,000   19,290,000
Total loans 18,827,000   19,290,000
Accruing Loans 90 or More Days Past Due $ 0   $ 0
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XML 30 R7.htm IDEA: XBRL DOCUMENT v2.4.0.6
Summary of Significant Accounting Policies
6 Months Ended
Jun. 30, 2012
Summary of Significant Accounting Policies [Abstract]  
Summary of Significant Accounting Policies
(1)
   Summary of Significant Accounting Policies
 
The consolidated financial statements include the financial statements of Peoples Bancorp of North Carolina, Inc. and its wholly-owned subsidiaries, Peoples Bank (the "Bank") and Community Bank Real Estate Solutions, LLC, along with the Bank's wholly-owned subsidiaries, Peoples Investment Services, Inc. and Real Estate Advisory Services, Inc. ("REAS") (collectively called the "Company").  All significant intercompany balances and transactions have been eliminated in consolidation.
 
The consolidated financial statements in this report are unaudited.  In the opinion of management, all adjustments (none of which were other than normal accruals) necessary for a fair presentation of the financial position and results of operations for the periods presented have been included.  Management of the Company has made a number of estimates and assumptions relating to reporting of assets and liabilities and the disclosure of contingent assets and liabilities to prepare these consolidated financial statements in conformity with generally accepted accounting principles in the United States ("GAAP").  Actual results could differ from those estimates.

The Company's accounting policies are fundamental to understanding management's discussion and analysis of results of operations and financial condition.  Many of the Company's accounting policies require significant judgment regarding valuation of assets and liabilities and/or significant interpretation of the specific accounting guidance.  A description of the Company's significant accounting policies can be found in Note 1 of the Notes to Consolidated Financial Statements in the Company's 2011 Annual Report to Shareholders which is Appendix A to the Proxy Statement for the May 3, 2012 Annual Meeting of Shareholders.

Recently Issued Accounting Pronouncements
In April 2011, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") No. 2011-02, A Creditor's Determination of Whether a Restructuring is a Troubled Debt Restructuring. ASU No. 2011-02 provides additional guidance for determining what constitutes a troubled debt restructuring.  ASU No. 2011-02 is effective for interim and annual periods ending after June 15, 2011.  The adoption of this guidance did not have a material impact on the Company's results of operations, financial position or disclosures.

In May 2011, FASB issued ASU No. 2011-04, Fair Value Measurement (Topic 820): Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and International Financial Reporting Standards ("IFRS").  ASU No. 2011-04 is intended to result in convergence between GAAP and IFRS requirements for measurement of and disclosures about fair value.  ASU No. 2011-04 is effective for interim and annual periods beginning after December 15, 2011.  The adoption of this guidance did not have a material impact on the Company's results of operations, financial position or disclosures.

In June 2011, FASB issued ASU No. 2011-05, Comprehensive Income (Topic 220): Presentation of Comprehensive Income.  ASU No. 2011-05 requires companies to present the components of net income and other comprehensive income either as one continuous statement or as two consecutive statements.  It eliminates the option to present components of other comprehensive income as part of the statement of changes in shareholders' equity.  ASU No. 2011-05 does not change the items which must be reported in other comprehensive income, how such items are measured or when they must be reclassified to net income.  ASU No. 2011-05 is effective for interim and annual periods beginning after December 15, 2011.  Because ASU No. 2011-05 impacts presentation only, it has no impact on the Company's results of operations or financial position.

In December 2011, FASB issued ASU No. 2011-12, Comprehensive Income (Topic 220): Deferral of the Effective Date for Amendments to the Presentation of Reclassifications of Items Out of Accumulated Other Comprehensive Income in Accounting Standards Update No. 2011-05.  ASU No. 2011-12 defers the effective date of the requirement to present separate line items on the income statement for reclassification adjustments of items out of accumulated other comprehensive income into net income.  This deferral is temporary until  FASB reconsiders the operational concerns and needs of financial statement users.  FASB has not yet established a timetable for its reconsideration.  Entities are still required to present reclassification adjustments within other comprehensive income either on the face of the statement that reports other comprehensive income or in the notes to the financial statements.  The requirement to present comprehensive income in either a single continuous statement or two consecutive condensed statements remains for both annual and interim reporting.  Because ASU No. 2011-12 impacts presentation only, it will have no impact on the Company's results of operations or financial position.
 
Other accounting standards that have been issued or proposed by FASB or other standards-setting bodies are not expected to have a material impact on the Company's results of operations, financial position or disclosures.
 
XML 31 R3.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Balance Sheets (Unaudited) (Parenthetical) (USD $)
In Thousands, except Share data, unless otherwise specified
Jun. 30, 2012
Dec. 31, 2011
Assets    
Cash and due from banks, reserve requirements $ 9,265 $ 8,492
Shareholders' equity:    
Series A preferred stock, stated value (in dollars per share) $ 1,000 $ 1,000
Series A preferred stock, shares authorized (in shares) 5,000,000 5,000,000
Series A preferred stock, shares issued (in shares) 12,524 25,054
Series A preferred stock, shares outstanding (in shares) 12,524 25,054
Common stock, par value (in dollars per share) $ 0 $ 0
Common stock, shares authorized (in shares) 20,000,000 20,000,000
Common stock, shares issued (in shares) 5,544,160 5,544,160
Common stock, shares outstanding (in shares) 5,544,160 5,544,160
XML 32 R17.htm IDEA: XBRL DOCUMENT v2.4.0.6
Investment Securities (Tables)
6 Months Ended
Jun. 30, 2012
Investment Securities [Abstract]  
Investment securities available for sale
Investment securities available for sale at June 30, 2012 and December 31, 2011 are as follows:

(Dollars in thousands)
       
 
June 30, 2012
 
Amortized
Cost
 
Gross
Unrealized
Gains
 
Gross
Unrealized
Losses
 
Estimated Fair
Value
Mortgage-backed securities
$164,423 1,981 383 166,021
U.S. Government
        
sponsored enterprises
 2,853 77 -     2,930
State and political subdivisions
 102,342 5,368 35 107,675
Corporate bonds
 1,539 6 -     1,545
Trust preferred securities
 1,250 -     -     1,250
Equity securities
 748 566 -     1,314
Total
$273,155 7,998 418 280,735
          
(Dollars in thousands)
        
 
December 31, 2011
 
Amortized
Cost
 
Gross
Unrealized
Gains
 
Gross
Unrealized
Losses
 
Estimated Fair
Value
Mortgage-backed securities
$213,378 1,371 1,056 213,693
U.S. Government
        
sponsored enterprises
 7,429 265 -     7,694
State and political subdivisions
 92,996 4,157 56 97,097
Corporate bonds
 546 -     3 543
Trust preferred securities
 1,250 -     -     1,250
Equity securities
 748 363 -     1,111
Total
$316,347 6,156 1,115 321,388
Current fair value and associated unrealized losses on investments in securities with unrealized losses
The current fair value and associated unrealized losses on investments in securities with unrealized losses at June 30, 2012 and December 31, 2011 are summarized in the tables below, with the length of time the individual securities have been in a continuous loss position.
 
(Dollars in thousands)
           
 
June 30, 2012
 
Less than 12 Months
 
12 Months or More
 
Total
 
Fair Value
 
Unrealized
Losses
 
Fair Value
 
Unrealized
Losses
 
Fair Value
 
Unrealized
Losses
Mortgage-backed securities
$50,288 331 2,979 52 53,267 383
State and political subdivisions
 4,149 35 -     -     4,149 35
Total
$54,437 366 2,979 52 57,416 418
 
 
(Dollars in thousands)
           
 
December 31, 2011
 
Less than 12 Months
 
12 Months or More
 
Total
 
Fair Value
 
Unrealized
Losses
 
Fair Value
 
Unrealized
Losses
 
Fair Value
 
Unrealized
Losses
Mortgage-backed securities
$95,122 991 4,125 65 99,247 1,056
State and political subdivisions
 4,444 56 -     -     4,444 56
Corporate bonds
 542 3 -     -     542 3
Total
$100,108 1,050 4,125 65 104,233 1,115
Amortized cost and fair value of investment securities by contractual maturity
The amortized cost and estimated fair value of investment securities available for sale at June 30, 2012, by contractual maturity, are shown below. Expected maturities of mortgage-backed securities will differ from contractual maturities because borrowers have the right to call or prepay obligations with or without call or prepayment penalties.

(Dollars in thousands)
   
 
Amortized
Cost
 
Estimated Fair
Value
Due within one year
$2,604 2,648
Due from one to five years
 13,130 13,489
Due from five to ten years
 80,180 84,321
Due after ten years
 12,070 12,942
Mortgage-backed securities
 164,423 166,021
Equity securities
 748 1,314
Total
$273,155 280,735
XML 33 R1.htm IDEA: XBRL DOCUMENT v2.4.0.6
Document and Entity Information
6 Months Ended
Jun. 30, 2012
Jul. 31, 2012
Document and Entity Information [Abstract]    
Entity Registrant Name PEOPLES BANCORP OF NORTH CAROLINA INC  
Entity Central Index Key 0001093672  
Current Fiscal Year End Date --12-31  
Entity Well-known Seasoned Issuer No  
Entity Voluntary Filers No  
Entity Current Reporting Status Yes  
Entity Filer Category Smaller Reporting Company  
Entity Common Stock, Shares Outstanding   5,544,160
Document Fiscal Year Focus 2012  
Document Fiscal Period Focus Q2  
Document Type 10-Q  
Amendment Flag false  
Document Period End Date Jun. 30, 2012  
XML 34 R18.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans (Tables)
6 Months Ended
Jun. 30, 2012
Loans [Abstract]  
Major classifications of loans
Major classifications of loans at June 30, 2012 and December 31, 2011 are summarized as follows:
 
(Dollars in thousands)
   
 
June 30, 2012
 
December 31, 2011
Real estate loans
   
     Construction and land development
$86,498 93,812
     Single-family residential
 255,339 267,051
     Commercial
 207,245 214,415
     Multifamily and farmland
 5,285 4,793
          Total real estate loans
 554,367 580,071
      
Commercial loans (not secured by real estate)
 59,416 60,646
Consumer loans (not secured by real estate)
 10,205 10,490
All other loans (not secured by real estate)
 18,827 19,290
     Total loans
 642,815 670,497
      
Less allowance for loan losses
 16,640 16,604
      
     Total net loans
$626,175 653,893
Age analysis of past due loans, by loan type
The following tables present an age analysis of past due loans, by loan type, as of June 30, 2012 and December 31, 2011:

June 30, 2012
        
(Dollars in thousands)
        
 
Loans 30-89
Days Past
Due
Loans 90 or
More Days
Past Due
 
Total Past
Due
Loans
Total
Current
Loans
 
Total Loans
 
Accruing
Loans 90 or
More Days
Past Due
Real estate loans
           
     Construction and land development
$6,538 3,012 9,550 76,948 86,498 -   
     Single-family residential
 6,711 4,175 10,886 244,453 255,339 1,797
     Commercial
 2,161 1,543 3,704 203,541 207,245 -   
     Multifamily and farmland
 -     -     -     5,285 5,285 -   
          Total real estate loans
 15,410 8,730 24,140 530,227 554,367 1,797
              
Commercial loans (not secured by real estate)
 743 17 760 58,656 59,416 -   
Consumer loans (not secured by real estate)
 102 4 106 10,099 10,205 -   
All other loans (not secured by real estate)
 -     -     -     18,827 18,827 -   
     Total loans
$16,255 8,751 25,006 617,809 642,815 1,797
 
December 31, 2011
        
(Dollars in thousands)
        
 
Loans 30-89
Days Past
Due
Loans 90 or
More Days
Past Due
 
Total Past
Due
Loans
Total
Current
Loans
 
Total Loans
 
Accruing
Loans 90 or
More Days
Past Due
Real estate loans
           
     Construction and land development
$10,033 3,338 13,371 80,441 93,812 -   
     Single-family residential
 16,536 6,189 22,725 244,326 267,051 2,709
     Commercial
 1,002 958 1,960 212,455 214,415 -   
     Multifamily and farmland
 13 -     13 4,780 4,793 -   
          Total real estate loans
 27,584 10,485 38,069 542,002 580,071 2,709
              
Commercial loans (not secured by real estate)
 576 9 585 60,061 60,646 -   
Consumer loans (not secured by real estate)
 116 36 152 10,338 10,490 -   
All other loans (not secured by real estate)
 -     -     -     19,290 19,290 -   
     Total loans
$28,276 10,530 38,806 631,691 670,497 2,709
Non-accrual loans
The following table presents the Company's non-accrual loans as of June 30, 2012 and December 31, 2011:
 
(Dollars in thousands)
   
 
June 30, 2012
 
December 31, 2011
Real estate loans
   
     Construction and land development
$12,624 13,257
     Single-family residential
 4,626 5,522
     Commercial
 3,234 2,451
     Multifamily and farmland
 -     -   
          Total real estate loans
 20,484 21,230
      
Commercial loans (not secured by real estate)
 575 403
Consumer loans (not secured by real estate)
 15 152
     Total
$21,074 21,785
Impaired loans
The following tables present the Company's impaired loans as of June 30, 2012 and December 31, 2011:

June 30, 2012
          
(Dollars in thousands)
          
 
Unpaid Contractual Principal
Balance
 
Recorded Investment
With No Allowance
 
Recorded Investment
With
Allowance
 
Recorded Investment
in Impaired
Loans
 
Related
Allowance
 
Average Outstanding Impaired
Loans
Real estate loans
           
     Construction and land development
$28,750 12,377 7,960 20,337 2,470 14,990
     Single-family residential
 29,103 5,475 22,927 28,402 1,533 28,841
     Commercial
 6,250 5,018 663 5,681 299 4,872
     Multifamily and farmland
 201 201 -     201 -     202
          Total impaired real estate loans
 64,304 23,071 31,550 54,621 4,302 48,905
              
Commercial loans (not secured by real estate)
 1,408 1,408 -     1,408 15 1,222
Consumer loans (not secured by real estate)
 22 -     17 17 -     42
     Total impaired loans
$65,734 24,479 31,567 56,046 4,317 50,169
 
December 31, 2011
          
(Dollars in thousands)
          
 
Unpaid Contractual Principal
Balance
 
Recorded Investment
With No Allowance
 
Recorded Investment
With
Allowance
 
Recorded Investment
in Impaired
Loans
 
Related
Allowance
 
Average Outstanding Impaired
Loans
Real estate loans
           
     Construction and land development
$28,721 14,484 6,098 20,582 3,264 17,848
     Single-family residential
 26,382 969 24,719 25,688 1,427 25,102
     Commercial
 7,717 3,845 3,139 6,984 77 4,518
     Multifamily and farmland
 209 -     209 209 1 214
          Total impaired real estate loans
 63,029 19,298 34,165 53,463 4,769 47,682
              
Commercial loans (not secured by real estate)
 1,111 -     1,083 1,083 26 1,485
Consumer loans (not secured by real estate)
 157 -     152 152 2 140
     Total impaired loans
$64,297 19,298 35,400 54,698 4,797 49,307
Changes in the allowance for loan losses
Changes in the allowance for loan losses for the six months ended June 30, 2012 and the year ended December 31, 2011 were as follows:
 
Six months ended June 30, 2012
           
(Dollars in thousands)
             
 
Real Estate Loans
         
 
Construction and Land Development
 
Single-
Family Residential
 
Commercial
 
Multifamily
and
Farmland
 
Commercial
 
Consumer
and All
Other
 
Unallocated
 
Total
 
Allowance for loan losses:
               
Beginning balance
$7,182 5,357 1,731 13 1,029 255 1,037 16,604 
Charge-offs
 (2,381)(861)(523)- (343)(268)- (4,376)
Recoveries
 218 69 374 - 11 88 - 760 
Provision
 2,626 561 (66)- (68)116 483 3,652 
Ending balance
$7,645 5,126 1,516 13 629 191 1,520 16,640 
                   
Ending balance: individually
               
evaluated for impairment
$1,101 1,364 - - - - - 2,465 
Ending balance: collectively
               
 evaluated for impairment
 6,544 3,762 1,516 13 629 191 1,520 14,175 
Ending balance
$7,645 5,126 1,516 13 629 191 1,520 16,640 
                   
Loans:
                 
Ending balance
$86,498 255,339 207,245 5,285 59,416 29,032 - 642,815 
                   
Ending balance: individually
               
evaluated for impairment
$19,789 23,452 4,961 - 362 - - 48,564 
Ending balance: collectively
               
 evaluated for impairment
$66,709 231,887 202,284 5,285 59,054 29,032 - 594,251 
 
Year ended December 31, 2011
           
(Dollars in thousands)
            
 
Real Estate Loans
         
 
Construction and Land Development
 
Single-
Family Residential
 
Commercial
 
Multifamily and
Farmland
 
Commercial
 
Consumer
and All
Other
 
Unallocated
 
Total
 
Allowance for loan losses:
               
Beginning balance
$5,774 6,097 1,409 17 1,174 430 592 15,493 
Charge-offs
 (7,164)(2,925)(1,271)- (314)(586)- (12,260)
Recoveries
 241 201 24 - 121 152 - 739 
Provision
 8,331 1,984 1,569 (4)48 259 445 12,632 
Ending balance
$7,182 5,357 1,731 13 1,029 255 1,037 16,604 
                   
Ending balance: individually
               
evaluated for impairment
$1,250 1,289 - - - - - 2,539 
Ending balance: collectively
               
 evaluated for impairment
 5,932 4,068 1,731 13 1,029 255 1,037 14,065 
Ending balance
$7,182 5,357 1,731 13 1,029 255 1,037 16,604 
                   
Loans:
                 
Ending balance
$93,812 267,051 214,415 4,793 60,646 29,780 - 670,497 
                   
Ending balance: individually
               
evaluated for impairment
$20,280 20,661 3,845 - - - - 44,786 
Ending balance: collectively
               
 evaluated for impairment
$73,532 246,390 210,570 4,793 60,646 29,780 - 625,711 
Credit risk profile of each loan type based on internally assigned risk grade
The following tables present the credit risk profile of each loan type based on internally assigned risk grades as of June 30, 2012 and December 31, 2011.
 
June 30, 2012
            
(Dollars in thousands)
            
 
Real Estate Loans
        
 
Construction and Land Development
 
Single-
Family Residential
 
Commercial
 
Multifamily
and
Farmland
 
Commercial
 
Consumer
 
All Other
 
Total
                 
1- Excellent Quality
$193 22,425 - - 902 1,320 - 24,840
2- High Quality
 5,506 61,133 24,729 41 8,293 4,170 2,611 106,483
3- Good Quality
 26,624 94,484 123,709 3,637 36,186 4,065 16,210 304,915
4- Management Attention
 26,320 46,754 47,325 686 12,503 374 6 133,968
5- Watch
 11,861 11,701 5,263 720 325 115 - 29,985
6- Substandard
 15,994 18,842 6,219 201 1,182 161 - 42,599
7- Low Substandard
 - - - - - - - -
8- Doubtful
 - - - - - - - -
9- Loss
 - - - - 25 - - 25
      Total
$86,498 255,339 207,245 5,285 59,416 10,205 18,827 642,815
 
December 31, 2011
            
(Dollars in thousands)
            
 
Real Estate Loans
        
 
Construction and Land Development
 
Single-
Family Residential
 
Commercial
 
Multifamily
and
Farmland
 
Commercial
 
Consumer
 
All Other
 
Total
                 
1- Excellent Quality
$197 25,474 - - 715 1,344 - 27,730
2- High Quality
 5,183 64,817 25,506 50 8,801 4,070 2,774 111,201
3- Good Quality
 27,675 100,388 136,137 3,448 36,585 4,259 16,509 325,001
4- Management Attention
 28,138 50,253 40,312 358 12,882 429 7 132,379
5- Watch
 15,923 11,767 2,795 728 622 89 - 31,924
6- Substandard
 16,696 14,352 9,665 209 1,041 154 - 42,117
7- Low Substandard
 - - - - - - - -
8- Doubtful
 - - - - - - - -
9- Loss
 - - - - - 145 - 145
      Total
$93,812 267,051 214,415 4,793 60,646 10,490 19,290 670,497
Analysis of TDR loans by loan type
The following table presents an analysis of TDR loans by loan type as of June 30, 2012 and December 31, 2011.
 
June 30, 2012
     
(Dollars in thousands)
     
 
Number of Contracts
 
Pre-Modification Outstanding
Recorded
Investment
 
Post-Modification Outstanding
Recorded
Investment
Real estate loans
     
     Construction and land development
22 $17,661 10,990
     Single-family residential
100  10,557 9,726
     Commercial
7  3,829 1,648
          Total real estate TDR loans
129  32,047 22,364
        
Commercial loans (not secured by real estate)
9  503 379
Consumer loans (not secured by real estate)
3  7 5
     Total TDR loans
141 $32,557 22,748
 
December 31, 2011
     
(Dollars in thousands)
     
 
Number of
Contracts
 
Pre-Modification Outstanding
Recorded
Investment
 
Post-Modification Outstanding
Recorded
Investment
Real estate loans
     
     Construction and land development
29 $19,762 12,840
     Single-family residential
241  25,541 24,846
     Commercial
15  7,200 5,013
     Multifamily and Farmland
1  322 209
          Total real estate TDR loans
286  52,825 42,908
        
Commercial loans (not secured by real estate)
21  1,711 1,083
Consumer loans (not secured by real estate)
8  124 142
     Total TDR loans
315 $54,660 44,133
XML 35 R4.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Earnings (Unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 6 Months Ended
Jun. 30, 2012
Jun. 30, 2011
Jun. 30, 2012
Jun. 30, 2011
Interest income:        
Interest and fees on loans $ 8,227 $ 9,159 $ 16,652 $ 18,774
Interest on due from banks 16 8 19 14
Interest on investment securities:        
U.S. Government sponsored enterprises, including mortgage-backed securities 737 1,413 1,807 2,494
State and political subdivisions 787 790 1,587 1,595
Other 68 52 132 102
Total interest income 9,835 11,422 20,197 22,979
Interest expense:        
NOW, MMDA & savings deposits 295 601 639 1,319
Time deposits 864 1,277 1,896 2,681
FHLB borrowings 684 753 1,374 1,497
Junior subordinated debentures 110 101 222 200
Other 34 77 73 156
Total interest expense 1,987 2,809 4,204 5,853
Net interest income 7,848 8,613 15,993 17,126
Provision for loan losses 1,603 3,368 3,652 6,318
Net interest income after provision for loan losses 6,245 5,245 12,341 10,808
Non-interest income:        
Service charges 1,192 1,316 2,379 2,572
Other service charges and fees 516 528 1,115 1,109
Gain on sale of securities 664 181 1,191 1,256
Mortgage banking income 271 218 497 405
Insurance and brokerage commissions 119 121 254 229
Loss on sale and write-down of other real estate (195) (361) (384) (708)
Miscellaneous 1,026 733 1,920 1,446
Total non-interest income 3,593 2,736 6,972 6,309
Non-interest expense:        
Salaries and employee benefits 3,931 3,673 7,772 7,340
Occupancy 1,300 1,331 2,600 2,696
Other 2,612 2,404 4,742 4,742
Total non-interest expense 7,843 7,408 15,114 14,778
Earnings before income taxes 1,995 573 4,199 2,339
Income tax expense (benefit) 486 (56) 1,031 349
Net earnings 1,509 629 3,168 1,990
Dividends and accretion on preferred stock 348 348 697 697
Net earnings available to common shareholders $ 1,161 $ 281 $ 2,471 $ 1,293
Basic net earnings per common share (in dollars per share) $ 0.21 $ 0.05 $ 0.45 $ 0.23
Diluted net earnings per common share (in dollars per share) $ 0.21 $ 0.05 $ 0.45 $ 0.23
Cash dividends declared per common share (in dollars per share) $ 0.02 $ 0.02 $ 0.09 $ 0.04
XML 36 R12.htm IDEA: XBRL DOCUMENT v2.4.0.6
Fair Value
6 Months Ended
Jun. 30, 2012
Fair Value [Abstract]  
Fair Value
 
(6)
Fair Value
 
The Company is required to disclose fair value information about financial instruments, whether or not recognized on the face of the balance sheet, for which it is practicable to estimate that value. The assumptions used in the estimation of the fair value of the Company's financial instruments are detailed below. Where quoted prices are not available, fair values are based on estimates using discounted cash flows and other valuation techniques. The use of discounted cash flows can be significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. The following disclosures should not be considered a surrogate of the liquidation value of the Company, but rather a good faith estimate of the increase or decrease in value of financial instruments held by the Company since purchase, origination, or issuance.

The Company groups assets and liabilities at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value.  These levels are:

·  
Level 1 - Valuation is based upon quoted prices for identical instruments traded in active markets.
·  
Level 2 - Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market.
·  
Level 3 - Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market.  These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset or liability.  Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques.

Cash and Cash Equivalents
For cash, due from banks and interest bearing deposits, the carrying amount is a reasonable estimate of fair value.

Investment Securities Available for Sale
Fair values of investment securities available for sale are determined by obtaining quoted prices on nationally recognized securities exchanges when available.  If quoted prices are not available, fair value is determined using matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities' relationship to other benchmark quoted securities.  Fair values for investment securities with quoted market prices are reported in the Level 1 fair value category.  Fair value measurements obtained from independent pricing services are reported in the Level 2 fair value category.  All other fair value measurements are reported in the Level 3 fair value category.

Other Investments
For other investments, the carrying value is a reasonable estimate of fair value.

Mortgage Loans Held for Sale
Mortgage loans held for sale are carried at lower of aggregate cost or market value.  The cost of mortgage loans held for sale approximates the market value.  Mortgage loans held for sale are reported  in the Level 3 fair value category.

Loans
The fair value of fixed rate loans is estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings. For variable rate loans, the carrying amount is a reasonable estimate of fair value.  Impaired loans with current certified appraisals are included in the Level 2 fair value category.  All other loans are included in the Level 3 fair value category, as the pricing of loans is more subjective than the pricing of other financial instruments.
 
Cash Surrender Value of Life Insurance
For cash surrender value of life insurance, the carrying value is a reasonable estimate of fair value.
 
Other Real Estate
The fair value of other real estate is based upon independent market prices, appraised values of the collateral or management's estimation of the value of the collateral. Other real estate is reported in the Level 3 fair value category.

Derivative Instruments
For derivative instruments, fair value is estimated as the amount that the Company would receive or pay to terminate the contracts at the reporting date, taking into account the current unrealized gains or losses on open contracts.

Deposits
The fair value of demand deposits, interest-bearing demand deposits and savings is the amount payable on demand at the reporting date. The fair value of certificates of deposit is estimated by discounting the future cash flows using the rates currently offered for deposits of similar remaining maturities.

Securities Sold Under Agreements to Repurchase
For securities sold under agreements to repurchase, the carrying value is a reasonable estimate of fair value.

Federal Home Loan Bank ("FHLB") Borrowings
The fair value of FHLB borrowings is estimated based upon discounted future cash flows using a discount rate comparable to the current market rate for such borrowings.

Junior Subordinated Debentures
Because the Company's junior subordinated debentures were issued at a floating rate, the carrying amount is a reasonable estimate of fair value.

Commitments to Extend Credit and Standby Letters of Credit
Commitments to extend credit and standby letters of credit are generally short-term and at variable interest rates. Therefore, both the carrying value and estimated fair value associated with these instruments are immaterial.

Limitations
Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company's entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company's financial instruments, fair value estimates are based on many judgments. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

Fair value estimates are based on existing on and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Significant assets and liabilities that are not considered financial instruments include deferred income taxes and premises and equipment. In addition, the tax ramifications related to the realization of unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates.

GAAP establishes a framework for measuring fair value and expands disclosures about fair value measurements. There is a three-level fair value hierarchy for fair value measurements.  Level 1 inputs are quoted prices in active markets for identical assets or liabilities that a company has the ability to access at the measurement date. Level 2 inputs are inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly. Level 3 inputs are unobservable inputs for the asset or liability.   The following tables present the balance of securities available for sale, mortgage loans held for sale and derivatives, which are measured at fair value on a recurring basis by level within the fair value hierarchy as of June 30, 2012 and December 31, 2011.
 
(Dollars in thousands)
       
 
June 30, 2012
 
Fair Value Measurements
 
Level 1
Valuation
 
Level 2
Valuation
 
Level 3
Valuation
Mortgage-backed securities
$166,021 - 166,021 -
U.S. Government
        
sponsored enterprises
$2,930 - 2,930 -
State and political subdivisions
$107,675 - 107,675 -
Corporate bonds
$1,545 - 1,545 -
Trust preferred securities
$1,250 - - 1,250
Equity securities
$1,314 1,314 - -
Mortgage loans held for sale
$3,753 - - 3,753
 
(Dollars in thousands)
       
 
December 31, 2011
 
Fair Value Measurements
 
Level 1
Valuation
 
Level 2
Valuation
 
Level 3
Valuation
Mortgage-backed securities
$213,693 - 208,349 5,344
U.S. Government
        
sponsored enterprises
$7,694 - 7,694 -
State and political subdivisions
$97,097 - 97,097 -
Corporate bonds
$543 - 543 -
Trust preferred securities
$1,250 - - 1,250
Equity securities
$1,111 1,111 - -
Mortgage loans held for sale
$5,146 - - 5,146
 
The following is an analysis of fair value measurements of investment securities available for sale using Level 3, significant unobservable inputs, for the six months ended June 30, 2012.  Transfers out of Level 3 during the six months ended June 30, 2012 are attributable to one available for sale security reported in Level 3 at December 31, 2011 because market pricing was unavailable from the Bank's third party bond accounting provider at that time.  This security was reported in Level 2 at June 30, 2012, as the market valuation was provided by the Bank's third party bond accounting provider.
 
(Dollars in thousands)
  
 
Investment Securities Available for Sale
 
 
Level 3 Valuation
 
Balance, beginning of period
$6,594 
Change in book value
 - 
Change in gain/(loss) realized and unrealized
 - 
Purchases/(sales)
 - 
Transfers in and/or (out) of Level 3
 (5,344)
Balance, end of period
$1,250 
     
Change in unrealized gain/(loss) for assets still held in Level 3
$- 
 
The Company's June 30, 2012 and December 31, 2011 fair value measurement for impaired loans and other real estate on a non-recurring basis is presented below:
 
(Dollars in thousands)
         
 
Fair Value Measurements June
30, 2012
 
Level 1 Valuation
 
Level 2 Valuation
 
Level 3 Valuation
 
Total Gains/(Losses) for
the Six Months Ended
June 30, 2012
 
Impaired loans
$51,729 - 345 51,384 (4,217)
Other real estate
$6,505 - - 6,505 (384)
 
(Dollars in thousands)
         
 
Fair Value Measurements December 31, 2011
 
Level 1 Valuation
 
Level 2 Valuation
 
Level 3 Valuation
 
Total Gains/(Losses) for
the Year Ended
December 31, 2011
 
Impaired loans
$49,901 - 431 49,470 (11,864)
Other real estate
$7,576 - - 7,576 (1,322)
 
The carrying amount and estimated fair value of the Company's financial instruments at June 30, 2012 and December 31, 2011 are as follows:
 
(Dollars in thousands)
         
    
Fair Value Measurements at June 30, 2012
 
Carrying
Amount
 
Level 1
 
Level 2
 
Level 3
 
Total
Assets:
         
Cash and cash equivalents
$69,477 69,477 - - 69,477
Investment securities available for sale
 280,735 1,314 278,171 1,250 280,735
Other investments
 5,734 - - 5,734 5,734
Mortgage loans held for sale
 3,753 - - 3,753 3,753
Loans, net
 626,175 - 345 619,259 619,604
Cash surrender value of life insurance
 13,040 - 13,040 - 13,040
            
Liabilities:
          
Deposits
$780,546 - 779,500 - 779,500
Securities sold under agreements
          
to repurchase
 50,510 - 50,510 - 50,510
FHLB borrowings
 70,000 - 75,508 - 75,508
Junior subordinated debentures
 20,619 - 20,619 - 20,619
 
(Dollars in thousands)
   
 
December 31, 2011
 
Carrying
Amount
 
Estimated
Fair Value
Assets:
   
Cash and cash equivalents
$29,236 29,236
Investment securities available for sale
 321,388 321,388
Other investments
 5,712 5,712
Mortgage loans held for sale
 5,146 5,146
Loans, net
 653,893 648,640
Cash surrender value of life insurance
 12,835 12,835
      
Liabilities:
    
Deposits and demand notes payable
$827,111 826,810
Securities sold under agreements
    
to repurchase
 39,600 39,600
FHLB borrowings
 70,000 75,046
Junior subordinated debentures
 20,619 20,619
 
XML 37 R11.htm IDEA: XBRL DOCUMENT v2.4.0.6
Stock-Based Compensation
6 Months Ended
Jun. 30, 2012
Stock Based Compensation [Abstract]  
Stock-Based Compensation
(5)
    Stock-Based Compensation
 
The Company has an Omnibus Stock Ownership and Long Term Incentive Plan (the "1999 Plan") whereby certain stock-based rights, such as stock options, restricted stock, restricted stock units, performance units, stock appreciation rights, or book value shares, may be granted to eligible directors and employees.

Under the 1999 Plan, the Company granted incentive stock options to certain eligible employees in order that they may purchase Company stock at a price equal to the fair market value on the date of the grant.  The options granted in 1999 vested over a five-year period.  Options granted subsequent to 1999 vested over a three-year period.  All options expire ten years after issuance.   The 1999 Plan expired on May 13, 2009.

The Company granted 3,000 restricted stock units in 2007 at a grant date fair value of $17.40 per share. The Company granted 1,750 restricted stock units at a grant date fair value of $12.80 per share during the third quarter of 2008 and 2,000 restricted stock units at a fair value of $11.37 per share during the fourth quarter of 2008. The Company recognizes compensation expense on the restricted stock units over the period of time the restrictions are in place (three years from the grant date for the grants to date).  The amount of expense recorded each period reflects the changes in the Company's stock price during the period.  As of June 30,2012, there was no unrecognized compensation cost related to 2007 and 2008 restricted stock unit grants.

The Company also has an Omnibus Stock Ownership and Long Term Incentive Plan that was approved by shareholders' on May 7, 2009 (the "2009 Plan") whereby certain stock-based rights, such as stock options, restricted stock, restricted stock units, performance units, stock appreciation rights, or book value shares, may be granted to eligible directors and employees.  A total of 330,486 shares are currently reserved for possible issuance under the 2009 Plan.   All rights must be granted or awarded within ten years from the May 7, 2009 effective date of the 2009 Plan.
 
The Company granted 29,514 restricted stock units in March 2012 at a grant date fair value of $7.90 per share. The Company recognizes compensation expense on the restricted stock units over the period of time the restrictions are in place (five years from the grant date for the grants to date).  The amount of expense recorded each period reflects the changes in the Company's stock price during the period.  As of June 30, 2012, the total unrecognized compensation cost related to 2012 restricted stock unit grants was $219,000.
XML 38 R23.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans (Details) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2012
Dec. 31, 2011
Dec. 31, 2010
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Total loans $ 642,815 $ 670,497  
Less allowance for loan losses 16,640 16,604 15,493
Net loans 626,175 653,893  
Real Estate Loans - Construction and land development [Member]
     
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Total loans 86,498 93,812  
Less allowance for loan losses 7,645 7,182 5,774
Real Estate Loans - Single-family residential [Member]
     
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Total loans 255,339 267,051  
Less allowance for loan losses 5,126 5,357 6,097
Real estate loans - Commercial [Member]
     
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Total loans 207,245 214,415  
Less allowance for loan losses 1,516 1,731 1,409
Real Estate Loans - Multifamily and farmland [Member]
     
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Total loans 5,285 4,793  
Less allowance for loan losses 13 13 17
Total real estate loans [Member]
     
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Total loans 554,367 580,071  
Commercial (not secured by real estate) [Member]
     
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Total loans 59,416 60,646  
Less allowance for loan losses 629 1,029 1,174
Consumer loans (not secured by real estate) [Member]
     
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Total loans 10,205 10,490  
All other loans (not secured by real estate) [Member]
     
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Total loans $ 18,827 $ 19,290  
XML 39 R19.htm IDEA: XBRL DOCUMENT v2.4.0.6
Net Earnings Per Common Share (Tables)
6 Months Ended
Jun. 30, 2012
Net Earnings Per Common Share [Abstract]  
Reconciliation of basic and diluted earnings per common share
The reconciliation of the amounts used in the computation of both "basic earnings per common share" and "diluted earnings per common share" for the three and six months ended June 30, 2012 and 2011 is as follows:
 
For the three months ended June 30, 2012
     
 
Net Earnings Available to Common Shareholders (Dollars in thousands)
 
Common Shares
 
Per Share Amount
       
Basic earnings per common share
$1,161 5,544,160 $0.21
Effect of dilutive securities:
       
Stock options
 -     3,928   
Diluted earnings per common share
$1,161 5,548,088 $0.21
         
 
For the six months ended June 30, 2012
     
 
Net Earnings Available to Common Shareholders (Dollars in thousands)
 
Common Shares
 
Per Share Amount
       
Basic earnings per common share
$2,471 5,544,160 $0.45
Effect of dilutive securities:
       
Stock options
 -    1,964   
Diluted earnings per common share
$2,471 5,546,124 $0.45
        
For the three months ended June 30, 2011
     
 
Net Earnings Available to Common Shareholders (Dollars in thousands)
 
Common Shares
 
Per Share Amount
       
Basic earnings per common share
$281 5,542,703 $0.05
Effect of dilutive securities:
       
Stock options
 -    1,739   
Diluted earnings per common share
$281 5,544,442 $0.05
         
For the six months ended June 30, 2011
       
 
Net Earnings Available to Common Shareholders (Dollars in thousands)
 
Common Shares
 
Per Share Amount
         
Basic earnings per common share
$1,293 5,542,126 $0.23
Effect of dilutive securities:
       
Stock options
 -    1,646   
Diluted earnings per common share
$1,293 5,543,772 $0.23
XML 40 R15.htm IDEA: XBRL DOCUMENT v2.4.0.6
Summary of Significant Accounting Policies (Policies)
6 Months Ended
Jun. 30, 2012
Summary of Significant Accounting Policies [Abstract]  
Consolidation
The consolidated financial statements include the financial statements of Peoples Bancorp of North Carolina, Inc. and its wholly-owned subsidiaries, Peoples Bank (the "Bank") and Community Bank Real Estate Solutions, LLC, along with the Bank's wholly-owned subsidiaries, Peoples Investment Services, Inc. and Real Estate Advisory Services, Inc. ("REAS") (collectively called the "Company").  All significant intercompany balances and transactions have been eliminated in consolidation.
Use of estimates
The consolidated financial statements in this report are unaudited.  In the opinion of management, all adjustments (none of which were other than normal accruals) necessary for a fair presentation of the financial position and results of operations for the periods presented have been included.  Management of the Company has made a number of estimates and assumptions relating to reporting of assets and liabilities and the disclosure of contingent assets and liabilities to prepare these consolidated financial statements in conformity with generally accepted accounting principles in the United States ("GAAP").  Actual results could differ from those estimates.

The Company's accounting policies are fundamental to understanding management's discussion and analysis of results of operations and financial condition.  Many of the Company's accounting policies require significant judgment regarding valuation of assets and liabilities and/or significant interpretation of the specific accounting guidance.  A description of the Company's significant accounting policies can be found in Note 1 of the Notes to Consolidated Financial Statements in the Company's 2011 Annual Report to Shareholders which is Appendix A to the Proxy Statement for the May 3, 2012 Annual Meeting of Shareholders.
Recently Issued Accounting Pronouncements
Recently Issued Accounting Pronouncements
In April 2011, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") No. 2011-02, A Creditor's Determination of Whether a Restructuring is a Troubled Debt Restructuring. ASU No. 2011-02 provides additional guidance for determining what constitutes a troubled debt restructuring.  ASU No. 2011-02 is effective for interim and annual periods ending after June 15, 2011.  The adoption of this guidance did not have a material impact on the Company's results of operations, financial position or disclosures.

In May 2011, FASB issued ASU No. 2011-04, Fair Value Measurement (Topic 820): Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and International Financial Reporting Standards ("IFRS").  ASU No. 2011-04 is intended to result in convergence between GAAP and IFRS requirements for measurement of and disclosures about fair value.  ASU No. 2011-04 is effective for interim and annual periods beginning after December 15, 2011.  The adoption of this guidance did not have a material impact on the Company's results of operations, financial position or disclosures.

In June 2011, FASB issued ASU No. 2011-05, Comprehensive Income (Topic 220): Presentation of Comprehensive Income.  ASU No. 2011-05 requires companies to present the components of net income and other comprehensive income either as one continuous statement or as two consecutive statements.  It eliminates the option to present components of other comprehensive income as part of the statement of changes in shareholders' equity.  ASU No. 2011-05 does not change the items which must be reported in other comprehensive income, how such items are measured or when they must be reclassified to net income.  ASU No. 2011-05 is effective for interim and annual periods beginning after December 15, 2011.  Because ASU No. 2011-05 impacts presentation only, it has no impact on the Company's results of operations or financial position.

In December 2011, FASB issued ASU No. 2011-12, Comprehensive Income (Topic 220): Deferral of the Effective Date for Amendments to the Presentation of Reclassifications of Items Out of Accumulated Other Comprehensive Income in Accounting Standards Update No. 2011-05.  ASU No. 2011-12 defers the effective date of the requirement to present separate line items on the income statement for reclassification adjustments of items out of accumulated other comprehensive income into net income.  This deferral is temporary until  FASB reconsiders the operational concerns and needs of financial statement users.  FASB has not yet established a timetable for its reconsideration.  Entities are still required to present reclassification adjustments within other comprehensive income either on the face of the statement that reports other comprehensive income or in the notes to the financial statements.  The requirement to present comprehensive income in either a single continuous statement or two consecutive condensed statements remains for both annual and interim reporting.  Because ASU No. 2011-12 impacts presentation only, it will have no impact on the Company's results of operations or financial position.
 
Other accounting standards that have been issued or proposed by FASB or other standards-setting bodies are not expected to have a material impact on the Company's results of operations, financial position or disclosures.
XML 41 R13.htm IDEA: XBRL DOCUMENT v2.4.0.6
Derivative Instruments and Hedging Activities
6 Months Ended
Jun. 30, 2012
Derivative Instruments and Hedging Activities [Abstract]  
Derivative Instruments and Hedging Activities
 (7)
Derivative Instruments and Hedging Activities
 
Accounting Policy for Derivative Instruments and Hedging Activities
The disclosure requirements for derivatives and hedging activities have the intent to provide users of financial statements with an enhanced understanding of: (a) how and why an entity uses derivative instruments, (b) how derivative instruments and related hedged items are accounted for and (c) how derivative instruments and related hedged items affect an entity's financial position, financial performance, and cash flows.  The disclosure requirements include qualitative disclosures about objectives and strategies for using derivatives, quantitative disclosures about the fair value of and gains and losses on derivative instruments, and disclosures about credit-risk-related contingent features in derivative instruments.
 
The Company records all derivatives on the balance sheet at fair value.  The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship and apply hedge accounting and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Hedge accounting generally provides for the matching of the timing of gain or loss recognition on the hedging instrument with the recognition of the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk in a fair value hedge or the earnings effect of the hedged forecasted transactions in a cash flow hedge.  The Company may enter into derivative contracts that are intended to economically hedge certain of its risks, even though hedge accounting does not apply or the Company elects not to apply hedge accounting.

Risk Management Objective of Using Derivatives
The Company has an overall interest rate risk management strategy that incorporates the use of derivative instruments to minimize significant unplanned fluctuations in earnings that are caused by interest rate volatility.  By using derivative instruments, the Company is exposed to credit and market risk.  If the counterparty fails to perform, credit risk is equal to the extent of the fair value gain in the derivative.  The Company minimizes the credit risk in derivative instruments by entering into transactions with high-quality counterparties that are reviewed periodically by the Company.  The Company did not have any interest rate derivatives outstanding as of June 30, 2012 and December 31, 2011.

Fair Values of Derivative Instruments on the Balance Sheet
The Company did not have any interest rate derivatives outstanding as of June 30, 2012 and December 31, 2011.

Cash Flow Hedges of Interest Rate Risk
The Company's objectives in using interest rate derivatives are to add stability to interest income and expense and to manage its exposure to interest rate movements. To accomplish this objective, the Company primarily uses interest rate swaps and floors as part of its interest rate risk management strategy.  For hedges of the Company's variable-rate loan assets, interest rate swaps designated as cash flow hedges involve the receipt of fixed-rate amounts from a counterparty in exchange for the Company making variable-rate payments over the life of the agreements without exchange of the underlying notional amount.  For hedges of the Company's variable-rate loan assets, the interest rate floors designated as a cash flow hedge involves the receipt of variable-rate amounts from a counterparty if interest rates fall below the strike rate on the contract in exchange for an up front premium.  The Company had an interest rate swap contract that expired in June 2011.  The Company did not have any interest rate derivatives outstanding as of June 30, 2012 and December 31, 2011.

The effective portion of changes in the fair value of derivatives designated and that qualify as cash flow hedges is recorded in "Accumulated Other Comprehensive Income" and is subsequently reclassified into earnings in the period that the hedged forecasted transaction affects earnings.  Such derivatives were used to hedge the variable cash inflows associated with existing pools of prime-based loan assets during 2011.  The ineffective portion of the change in fair value of the derivatives is recognized directly in earnings.  The Company's derivatives did not have any hedge ineffectiveness recognized in earnings during the six months ended June 30, 2012 and 2011.

Effect of Derivative Instruments on the Income Statement
The table below presents the effect of the Company's derivative financial instruments on the statement of earnings for the six months ended June 30, 2012 and 2011.
 
(Dollars in thousands)
               
                 
 
Amount of Gain
(Loss) Recognized in
Accumulated OCI on
Derivatives
 
Location of Gain
(Loss) Reclassified
from Accumulated
OCI into Income
 
Amount of Gain
(Loss) Reclassified
from Accumulated
OCI into Income
 
Six months ended
June 30,
   
Six months ended
June 30,
 
2012
 
2011
    
2012
 
2011
Interest rate derivative contracts
 $           -        
 
 $      (20)       
 
Interest income
 
 $           -       
 
 $      628       
XML 42 R14.htm IDEA: XBRL DOCUMENT v2.4.0.6
TARP Repurchase
6 Months Ended
Jun. 30, 2012
TARP Repurchase [Abstract]  
TARP Repurchase
(8)
TARP Repurchase
 
The Company purchased 12,530 shares of the Company's 25,054 outstanding shares of preferred stock from the U.S. Department of the Treasury ("UST"), which was issued to UST in connection with the Company's participation in the Capital Purchase Program ("CPP") under the Troubled Asset Relief Program ("TARP") in 2008.  The shares were purchased for $933.36 per share, for a total purchase price of $11,778,575.90, including $83,575.10 accrued and unpaid dividends on the preferred stock.  The Company retired the 12,530 shares purchased.  The $834,999.20 difference between the $12,530,000 face value of the preferred stock retired and the $11,695,000.80 purchase price of the preferred stock retired was credited to retained earnings effective June 30, 2012.
XML 43 R16.htm IDEA: XBRL DOCUMENT v2.4.0.6
Derivative Instruments and Hedging Activities (Policies)
6 Months Ended
Jun. 30, 2012
Derivative Instruments and Hedging Activities [Abstract]  
Accounting Policy for Derivative Instruments and Hedging Activities
Accounting Policy for Derivative Instruments and Hedging Activities
The disclosure requirements for derivatives and hedging activities have the intent to provide users of financial statements with an enhanced understanding of: (a) how and why an entity uses derivative instruments, (b) how derivative instruments and related hedged items are accounted for and (c) how derivative instruments and related hedged items affect an entity's financial position, financial performance, and cash flows.  The disclosure requirements include qualitative disclosures about objectives and strategies for using derivatives, quantitative disclosures about the fair value of and gains and losses on derivative instruments, and disclosures about credit-risk-related contingent features in derivative instruments.
 
The Company records all derivatives on the balance sheet at fair value.  The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship and apply hedge accounting and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Hedge accounting generally provides for the matching of the timing of gain or loss recognition on the hedging instrument with the recognition of the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk in a fair value hedge or the earnings effect of the hedged forecasted transactions in a cash flow hedge.  The Company may enter into derivative contracts that are intended to economically hedge certain of its risks, even though hedge accounting does not apply or the Company elects not to apply hedge accounting.
XML 44 R34.htm IDEA: XBRL DOCUMENT v2.4.0.6
Fair Value, Estimated fair value (Details) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2012
Dec. 31, 2011
Carrying Amount [Member]
   
Assets:    
Cash and cash equivalents $ 69,477 $ 29,236
Investment securities available for sale 280,735 321,388
Other investments 5,734 5,712
Mortgage loans held for sale 3,753 5,146
Loans, net 626,175 653,893
Cash surrender value of life insurance 13,040 12,835
Liabilities:    
Deposits and demand notes payable 780,546 827,111
Securities sold under agreements to repurchase 50,510 39,600
FHLB borrowings 70,000 70,000
Junior subordinated debentures 20,619 20,619
Fair Value [Member]
   
Assets:    
Cash and cash equivalents 69,477 29,236
Investment securities available for sale 280,735 321,388
Other investments 5,734 5,712
Mortgage loans held for sale 3,753 5,146
Loans, net 619,604 648,640
Cash surrender value of life insurance 13,040 12,835
Liabilities:    
Deposits and demand notes payable 779,500 826,810
Securities sold under agreements to repurchase 50,510 39,600
FHLB borrowings 75,508 75,046
Junior subordinated debentures 20,619 20,619
Level 1 Valuation [Member] | Fair Value [Member]
   
Assets:    
Cash and cash equivalents 69,477  
Investment securities available for sale 1,314  
Other investments 0  
Mortgage loans held for sale 0  
Loans, net 0  
Cash surrender value of life insurance 0  
Liabilities:    
Deposits and demand notes payable 0  
Securities sold under agreements to repurchase 0  
FHLB borrowings 0  
Junior subordinated debentures 0  
Level 2 Valuation [Member] | Fair Value [Member]
   
Assets:    
Cash and cash equivalents 0  
Investment securities available for sale 278,171  
Other investments 0  
Mortgage loans held for sale 0  
Loans, net 345  
Cash surrender value of life insurance 13,040  
Liabilities:    
Deposits and demand notes payable 779,500  
Securities sold under agreements to repurchase 50,510  
FHLB borrowings 75,508  
Junior subordinated debentures 20,619  
Level 3 Valuation [Member] | Fair Value [Member]
   
Assets:    
Cash and cash equivalents 0  
Investment securities available for sale 1,250  
Other investments 5,734  
Mortgage loans held for sale 3,753  
Loans, net 619,259  
Cash surrender value of life insurance 0  
Liabilities:    
Deposits and demand notes payable 0  
Securities sold under agreements to repurchase 0  
FHLB borrowings 0  
Junior subordinated debentures $ 0  
XML 45 R21.htm IDEA: XBRL DOCUMENT v2.4.0.6
Derivative Instruments and Hedging Activities (Tables)
6 Months Ended
Jun. 30, 2012
Derivative Instruments and Hedging Activities [Abstract]  
Effect of derivative financial instruments on statement of earnings
The table below presents the effect of the Company's derivative financial instruments on the statement of earnings for the six months ended June 30, 2012 and 2011.
 
(Dollars in thousands)
               
                 
 
Amount of Gain
(Loss) Recognized in
Accumulated OCI on
Derivatives
 
Location of Gain
(Loss) Reclassified
from Accumulated
OCI into Income
 
Amount of Gain
(Loss) Reclassified
from Accumulated
OCI into Income
 
Six months ended
June 30,
   
Six months ended
June 30,
 
2012
 
2011
    
2012
 
2011
Interest rate derivative contracts
 $           -        
 
 $      (20)       
 
Interest income
 
 $           -       
 
 $      628       
XML 46 R26.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans, Allowance for loan losses (Details) (USD $)
In Thousands, unless otherwise specified
6 Months Ended 12 Months Ended
Jun. 30, 2012
Dec. 31, 2011
Allowance for loan losses [Abstract]    
Beginning balance $ 16,604 $ 15,493
Charge-offs (4,376) (12,260)
Recoveries 760 739
Provision 3,652 12,632
Ending balance 16,640 16,604
Ending balance: individually evaluated for impairment 2,465 2,539
Ending balance: collectively evaluated for impairment 14,175 14,065
Ending balance 16,640 16,604
Loans [Abstract]    
Ending balance 642,815 670,497
Ending balance: individually evaluated for impairment 48,564 44,786
Ending balance: collectively evaluated for impairment 594,251 625,711
Real Estate Loans - Construction and Land Development [Member]
   
Allowance for loan losses [Abstract]    
Beginning balance 7,182 5,774
Charge-offs (2,381) (7,164)
Recoveries 218 241
Provision 2,626 8,331
Ending balance 7,645 7,182
Ending balance: individually evaluated for impairment 1,101 1,250
Ending balance: collectively evaluated for impairment 6,544 5,932
Ending balance 7,645 7,182
Loans [Abstract]    
Ending balance 86,498 93,812
Ending balance: individually evaluated for impairment 19,789 20,280
Ending balance: collectively evaluated for impairment 66,709 73,532
Real Estate Loans - Single-Family Residential [Member]
   
Allowance for loan losses [Abstract]    
Beginning balance 5,357 6,097
Charge-offs (861) (2,925)
Recoveries 69 201
Provision 561 1,984
Ending balance 5,126 5,357
Ending balance: individually evaluated for impairment 1,364 1,289
Ending balance: collectively evaluated for impairment 3,762 4,068
Ending balance 5,126 5,357
Loans [Abstract]    
Ending balance 255,339 267,051
Ending balance: individually evaluated for impairment 23,452 20,661
Ending balance: collectively evaluated for impairment 231,887 246,390
Real estate loans - Commercial [Member]
   
Allowance for loan losses [Abstract]    
Beginning balance 1,731 1,409
Charge-offs (523) (1,271)
Recoveries 374 24
Provision (66) 1,569
Ending balance 1,516 1,731
Ending balance: individually evaluated for impairment 0 0
Ending balance: collectively evaluated for impairment 1,516 1,731
Ending balance 1,516 1,731
Loans [Abstract]    
Ending balance 207,245 214,415
Ending balance: individually evaluated for impairment 4,961 3,845
Ending balance: collectively evaluated for impairment 202,284 210,570
Real estate loans - Multifamily and Farmland [Member]
   
Allowance for loan losses [Abstract]    
Beginning balance 13 17
Charge-offs 0 0
Recoveries 0 0
Provision 0 (4)
Ending balance 13 13
Ending balance: individually evaluated for impairment 0 0
Ending balance: collectively evaluated for impairment 13 13
Ending balance 13 13
Loans [Abstract]    
Ending balance 5,285 4,793
Ending balance: individually evaluated for impairment 0 0
Ending balance: collectively evaluated for impairment 5,285 4,793
Commercial (not secured by real estate) [Member]
   
Allowance for loan losses [Abstract]    
Beginning balance 1,029 1,174
Charge-offs (343) (314)
Recoveries 11 121
Provision (68) 48
Ending balance 629 1,029
Ending balance: individually evaluated for impairment 0 0
Ending balance: collectively evaluated for impairment 629 1,029
Ending balance 629 1,029
Loans [Abstract]    
Ending balance 59,416 60,646
Ending balance: individually evaluated for impairment 362 0
Ending balance: collectively evaluated for impairment 59,054 60,646
Consumer and All Other (not secured by real estate) [Member]
   
Allowance for loan losses [Abstract]    
Beginning balance 255 430
Charge-offs (268) (586)
Recoveries 88 152
Provision 116 259
Ending balance 191 255
Ending balance: individually evaluated for impairment 0 0
Ending balance: collectively evaluated for impairment 191 255
Ending balance 191 255
Loans [Abstract]    
Ending balance 29,032 29,780
Ending balance: individually evaluated for impairment 0 0
Ending balance: collectively evaluated for impairment 29,032 29,780
Unallocated [Member]
   
Allowance for loan losses [Abstract]    
Beginning balance 1,037 592
Charge-offs 0 0
Recoveries 0 0
Provision 483 445
Ending balance 1,520 1,037
Ending balance: individually evaluated for impairment 0 0
Ending balance: collectively evaluated for impairment 1,520 1,037
Ending balance 1,520 1,037
Loans [Abstract]    
Ending balance 0 0
Ending balance: individually evaluated for impairment 0 0
Ending balance: collectively evaluated for impairment $ 0 $ 0
XML 47 R5.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Comprehensive Income (Unaudited) (USD $)
In Thousands, unless otherwise specified
3 Months Ended 6 Months Ended
Jun. 30, 2012
Jun. 30, 2011
Jun. 30, 2012
Jun. 30, 2011
Consolidated Statements of Comprehensive Income (Unaudited) [Abstract]        
Net earnings $ 1,509 $ 629 $ 3,168 $ 1,990
Other comprehensive income:        
Unrealized holding gains on securities available for sale 2,513 5,568 3,730 6,041
Reclassification adjustment for gains on securities available for sale included in net earnings (664) (181) (1,191) (1,256)
Unrealized holding losses on derivative financial instruments qualifying as cash flow hedges 0 (264) 0 (648)
Total other comprehensive income, before income taxes 1,849 5,123 2,539 4,137
Income tax expense related to other comprehensive income:        
Unrealized holding gains on securities available for sale 979 2,168 1,452 2,353
Reclassification adjustment for gains on securities available for sale included in net earnings (259) (70) (464) (489)
Unrealized holding losses on derivative financial instruments qualifying as cash flow hedges 0 (103) 0 (253)
Total income tax expense related to other comprehensive income 720 1,995 988 1,611
Total other comprehensive income, net of tax 1,129 3,128 1,551 2,526
Total comprehensive income $ 2,638 $ 3,757 $ 4,719 $ 4,516
XML 48 R10.htm IDEA: XBRL DOCUMENT v2.4.0.6
Net Earnings Per Common Share
6 Months Ended
Jun. 30, 2012
Net Earnings Per Common Share [Abstract]  
Net Earnings Per Common Share
(4)
    Net Earnings Per Common Share
 
Net earnings per common share is based on the weighted average number of common shares outstanding during the period while the effects of potential common shares outstanding during the period are included in diluted earnings per common share.  The average market price during the year is used to compute equivalent shares.

The reconciliation of the amounts used in the computation of both "basic earnings per common share" and "diluted earnings per common share" for the three and six months ended June 30, 2012 and 2011 is as follows:
 
For the three months ended June 30, 2012
     
 
Net Earnings Available to Common Shareholders (Dollars in thousands)
 
Common Shares
 
Per Share Amount
       
Basic earnings per common share
$1,161 5,544,160 $0.21
Effect of dilutive securities:
       
Stock options
 -     3,928   
Diluted earnings per common share
$1,161 5,548,088 $0.21
         
 
For the six months ended June 30, 2012
     
 
Net Earnings Available to Common Shareholders (Dollars in thousands)
 
Common Shares
 
Per Share Amount
       
Basic earnings per common share
$2,471 5,544,160 $0.45
Effect of dilutive securities:
       
Stock options
 -    1,964   
Diluted earnings per common share
$2,471 5,546,124 $0.45
        
For the three months ended June 30, 2011
     
 
Net Earnings Available to Common Shareholders (Dollars in thousands)
 
Common Shares
 
Per Share Amount
       
Basic earnings per common share
$281 5,542,703 $0.05
Effect of dilutive securities:
       
Stock options
 -    1,739   
Diluted earnings per common share
$281 5,544,442 $0.05
         
For the six months ended June 30, 2011
       
 
Net Earnings Available to Common Shareholders (Dollars in thousands)
 
Common Shares
 
Per Share Amount
         
Basic earnings per common share
$1,293 5,542,126 $0.23
Effect of dilutive securities:
       
Stock options
 -    1,646   
Diluted earnings per common share
$1,293 5,543,772 $0.23
 
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Loans, credit risk (Details) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2012
Dec. 31, 2011
Financing Receivable, Recorded Investment [Line Items]    
Total Loans $ 642,815 $ 670,497
Real Estate Loans - Construction and Land Development [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 86,498 93,812
Real Estate Loans - Single-Family Residential [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 255,339 267,051
Real Estate Loans - Commercial [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 207,245 214,415
Real estate loans - Multifamily and Farmland [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 5,285 4,793
Commercial (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 59,416 60,646
Consumer (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 10,205 10,490
All other loans (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 18,827 19,290
Total real estate loans [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 554,367 580,071
1- Excellent Quality [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 24,840 27,730
1- Excellent Quality [Member] | Real Estate Loans - Construction and Land Development [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 193 197
1- Excellent Quality [Member] | Real Estate Loans - Single-Family Residential [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 22,425 25,474
1- Excellent Quality [Member] | Real Estate Loans - Commercial [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
1- Excellent Quality [Member] | Real estate loans - Multifamily and Farmland [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
1- Excellent Quality [Member] | Commercial (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 902 715
1- Excellent Quality [Member] | Consumer (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 1,320 1,344
1- Excellent Quality [Member] | All other loans (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
2- High Quality [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 106,483 111,201
2- High Quality [Member] | Real Estate Loans - Construction and Land Development [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 5,506 5,183
2- High Quality [Member] | Real Estate Loans - Single-Family Residential [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 61,133 64,817
2- High Quality [Member] | Real Estate Loans - Commercial [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 24,729 25,506
2- High Quality [Member] | Real estate loans - Multifamily and Farmland [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 41 50
2- High Quality [Member] | Commercial (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 8,293 8,801
2- High Quality [Member] | Consumer (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 4,170 4,070
2- High Quality [Member] | All other loans (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 2,611 2,774
3- Good Quality [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 304,915 325,001
3- Good Quality [Member] | Real Estate Loans - Construction and Land Development [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 26,624 27,675
3- Good Quality [Member] | Real Estate Loans - Single-Family Residential [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 94,484 100,388
3- Good Quality [Member] | Real Estate Loans - Commercial [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 123,709 136,137
3- Good Quality [Member] | Real estate loans - Multifamily and Farmland [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 3,637 3,448
3- Good Quality [Member] | Commercial (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 36,186 36,585
3- Good Quality [Member] | Consumer (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 4,065 4,259
3- Good Quality [Member] | All other loans (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 16,210 16,509
4- Management Attention [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 133,968 132,379
4- Management Attention [Member] | Real Estate Loans - Construction and Land Development [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 26,320 28,138
4- Management Attention [Member] | Real Estate Loans - Single-Family Residential [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 46,754 50,253
4- Management Attention [Member] | Real Estate Loans - Commercial [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 47,325 40,312
4- Management Attention [Member] | Real estate loans - Multifamily and Farmland [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 686 358
4- Management Attention [Member] | Commercial (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 12,503 12,882
4- Management Attention [Member] | Consumer (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 374 429
4- Management Attention [Member] | All other loans (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 6 7
5- Watch [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 29,985 31,924
5- Watch [Member] | Real Estate Loans - Construction and Land Development [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 11,861 15,923
5- Watch [Member] | Real Estate Loans - Single-Family Residential [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 11,701 11,767
5- Watch [Member] | Real Estate Loans - Commercial [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 5,263 2,795
5- Watch [Member] | Real estate loans - Multifamily and Farmland [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 720 728
5- Watch [Member] | Commercial (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 325 622
5- Watch [Member] | Consumer (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 115 89
5- Watch [Member] | All other loans (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
6- Substandard [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 42,599 42,117
6- Substandard [Member] | Real Estate Loans - Construction and Land Development [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 15,994 16,696
6- Substandard [Member] | Real Estate Loans - Single-Family Residential [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 18,842 14,352
6- Substandard [Member] | Real Estate Loans - Commercial [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 6,219 9,665
6- Substandard [Member] | Real estate loans - Multifamily and Farmland [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 201 209
6- Substandard [Member] | Commercial (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 1,182 1,041
6- Substandard [Member] | Consumer (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 161 154
6- Substandard [Member] | All other loans (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
7- Low Substandard [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
7- Low Substandard [Member] | Real Estate Loans - Construction and Land Development [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
7- Low Substandard [Member] | Real Estate Loans - Single-Family Residential [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
7- Low Substandard [Member] | Real Estate Loans - Commercial [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
7- Low Substandard [Member] | Real estate loans - Multifamily and Farmland [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
7- Low Substandard [Member] | Commercial (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
7- Low Substandard [Member] | Consumer (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
7- Low Substandard [Member] | All other loans (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
8- Doubtful [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
8- Doubtful [Member] | Real Estate Loans - Construction and Land Development [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
8- Doubtful [Member] | Real Estate Loans - Single-Family Residential [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
8- Doubtful [Member] | Real Estate Loans - Commercial [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
8- Doubtful [Member] | Real estate loans - Multifamily and Farmland [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
8- Doubtful [Member] | Commercial (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
8- Doubtful [Member] | Consumer (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
8- Doubtful [Member] | All other loans (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
9- Loss [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 25 145
9- Loss [Member] | Real Estate Loans - Construction and Land Development [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
9- Loss [Member] | Real Estate Loans - Single-Family Residential [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
9- Loss [Member] | Real Estate Loans - Commercial [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
9- Loss [Member] | Real estate loans - Multifamily and Farmland [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 0
9- Loss [Member] | Commercial (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 25 0
9- Loss [Member] | Consumer (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans 0 145
9- Loss [Member] | All other loans (not secured by real estate) [Member]
   
Financing Receivable, Recorded Investment [Line Items]    
Total Loans $ 0 $ 0
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Fair Value (Tables)
6 Months Ended
Jun. 30, 2012
Fair Value [Abstract]  
Fair value of assets measured on recurring and nonrecurring basis
GAAP establishes a framework for measuring fair value and expands disclosures about fair value measurements. There is a three-level fair value hierarchy for fair value measurements.  Level 1 inputs are quoted prices in active markets for identical assets or liabilities that a company has the ability to access at the measurement date. Level 2 inputs are inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly. Level 3 inputs are unobservable inputs for the asset or liability.   The following tables present the balance of securities available for sale, mortgage loans held for sale and derivatives, which are measured at fair value on a recurring basis by level within the fair value hierarchy as of June 30, 2012 and December 31, 2011.
 
(Dollars in thousands)
       
 
June 30, 2012
 
Fair Value Measurements
 
Level 1
Valuation
 
Level 2
Valuation
 
Level 3
Valuation
Mortgage-backed securities
$166,021 - 166,021 -
U.S. Government
        
sponsored enterprises
$2,930 - 2,930 -
State and political subdivisions
$107,675 - 107,675 -
Corporate bonds
$1,545 - 1,545 -
Trust preferred securities
$1,250 - - 1,250
Equity securities
$1,314 1,314 - -
Mortgage loans held for sale
$3,753 - - 3,753
 
(Dollars in thousands)
       
 
December 31, 2011
 
Fair Value Measurements
 
Level 1
Valuation
 
Level 2
Valuation
 
Level 3
Valuation
Mortgage-backed securities
$213,693 - 208,349 5,344
U.S. Government
        
sponsored enterprises
$7,694 - 7,694 -
State and political subdivisions
$97,097 - 97,097 -
Corporate bonds
$543 - 543 -
Trust preferred securities
$1,250 - - 1,250
Equity securities
$1,111 1,111 - -
Mortgage loans held for sale
$5,146 - - 5,146
 
The Company's June 30, 2012 and December 31, 2011 fair value measurement for impaired loans and other real estate on a non-recurring basis is presented below:
 
(Dollars in thousands)
         
 
Fair Value Measurements June
30, 2012
 
Level 1 Valuation
 
Level 2 Valuation
 
Level 3 Valuation
 
Total Gains/(Losses) for
the Six Months Ended
June 30, 2012
 
Impaired loans
$51,729 - 345 51,384 (4,217)
Other real estate
$6,505 - - 6,505 (384)
 
(Dollars in thousands)
         
 
Fair Value Measurements December 31, 2011
 
Level 1 Valuation
 
Level 2 Valuation
 
Level 3 Valuation
 
Total Gains/(Losses) for
the Year Ended
December 31, 2011
 
Impaired loans
$49,901 - 431 49,470 (11,864)
Other real estate
$7,576 - - 7,576 (1,322)
Analysis of fair value measurements of investment securities available for sale using Level 3, significant unobservable inputs
The following is an analysis of fair value measurements of investment securities available for sale using Level 3, significant unobservable inputs, for the six months ended June 30, 2012.  Transfers out of Level 3 during the six months ended June 30, 2012 are attributable to one available for sale security reported in Level 3 at December 31, 2011 because market pricing was unavailable from the Bank's third party bond accounting provider at that time.  This security was reported in Level 2 at June 30, 2012, as the market valuation was provided by the Bank's third party bond accounting provider.
 
(Dollars in thousands)
  
 
Investment Securities Available for Sale
 
 
Level 3 Valuation
 
Balance, beginning of period
$6,594 
Change in book value
 - 
Change in gain/(loss) realized and unrealized
 - 
Purchases/(sales)
 - 
Transfers in and/or (out) of Level 3
 (5,344)
Balance, end of period
$1,250 
     
Change in unrealized gain/(loss) for assets still held in Level 3
$- 
Carrying amount and estimated fair value of financial instruments
The carrying amount and estimated fair value of the Company's financial instruments at June 30, 2012 and December 31, 2011 are as follows:
 
(Dollars in thousands)
         
    
Fair Value Measurements at June 30, 2012
 
Carrying
Amount
 
Level 1
 
Level 2
 
Level 3
 
Total
Assets:
         
Cash and cash equivalents
$69,477 69,477 - - 69,477
Investment securities available for sale
 280,735 1,314 278,171 1,250 280,735
Other investments
 5,734 - - 5,734 5,734
Mortgage loans held for sale
 3,753 - - 3,753 3,753
Loans, net
 626,175 - 345 619,259 619,604
Cash surrender value of life insurance
 13,040 - 13,040 - 13,040
            
Liabilities:
          
Deposits
$780,546 - 779,500 - 779,500
Securities sold under agreements
          
to repurchase
 50,510 - 50,510 - 50,510
FHLB borrowings
 70,000 - 75,508 - 75,508
Junior subordinated debentures
 20,619 - 20,619 - 20,619
 
(Dollars in thousands)
   
 
December 31, 2011
 
Carrying
Amount
 
Estimated
Fair Value
Assets:
   
Cash and cash equivalents
$29,236 29,236
Investment securities available for sale
 321,388 321,388
Other investments
 5,712 5,712
Mortgage loans held for sale
 5,146 5,146
Loans, net
 653,893 648,640
Cash surrender value of life insurance
 12,835 12,835
      
Liabilities:
    
Deposits and demand notes payable
$827,111 826,810
Securities sold under agreements
    
to repurchase
 39,600 39,600
FHLB borrowings
 70,000 75,046
Junior subordinated debentures
 20,619 20,619