Loans (Tables)

9 Months Ended

Sep. 30, 2012

Loans [Abstract]

Summary of Loans

	September 30 2012			December 31 2011
Commercial
Working capital and equipment	$	193,671		$	170,325
Real estate, including agriculture		242,212			172,910
Tax exempt		4,719			3,818
Other		6,812			5,323
Total		447,414			352,376
Real estate
1–4 family		172,770			153,039
Other		3,783			4,102
Total		176,553			157,141
Consumer
Auto		137,490			134,686
Recreation		5,005			4,737
Real estate/home improvement		30,905			27,729
Home equity		105,960			92,249
Unsecured		4,435			3,183
Other		3,053			2,793
Total		286,848			265,377
Mortgage warehouse		244,233			208,299
Total loans		1,155,048			983,193
Allowance for loan losses		(18,568	)		(18,882	)
Loans, net	$	1,136,480		$	964,311

Recorded investment of individual loan

September 30, 2012	Loan Balance			Interest Due		Deferred Fees / (Costs)			Recorded Investment
Owner occupied real estate	$	168,015		$	614	$	20		$	168,649
Non owner occupied real estate		187,953			547		55			188,555
Residential spec homes		1,130			2		—			1,132
Development & spec land loans		6,645			19		—			6,664
Commercial and industrial		83,589			390		7			83,986
Total commercial		447,332			1,572		82			448,986
Residential mortgage		164,720			646		91			165,457
Residential construction		11,742			19		—			11,761
Mortgage warehouse		244,233			427		—			244,660
Total real estate		420,695			1,092		91			421,878
Direct installment		30,247			116		(346	)		30,017
Direct installment purchased		518			—		—			518
Indirect installment		128,502			373		—			128,875
Home equity		128,671			620		(744	)		128,547
Total consumer		287,938			1,109		(1,090	)		287,957
Total loans		1,155,965			3,773		(917	)		1,158,821
Allowance for loan losses		(18,568	)		—		—			(18,568	)
Net loans	$	1,137,397		$	3,773	$	(917	)	$	1,140,253
December 31, 2011	Loan Balance			Interest Due		Deferred Fees / (Costs)			Recorded Investment
Owner occupied real estate	$	131,893		$	383	$	30		$	132,306
Non owner occupied real estate		142,269			360		94			142,723
Residential spec homes		3,574			6		—			3,580
Development & spec land loans		8,739			16		—			8,755
Commercial and industrial		65,774			169		3			65,946
Total commercial		352,249			934		127			353,310
Residential mortgage		150,893			513		68			151,474
Residential construction		6,181			8		—			6,189
Mortgage warehouse		208,299			427		—			208,726
Total real estate		365,373			948		68			366,389
Direct installment		24,252			94		(360	)		23,986
Direct installment purchased		981			—		—			981
Indirect installment		127,751			420		(56	)		128,115
Home equity		113,561			559		(752	)		113,368
Total consumer		266,545			1,073		(1,168	)		266,450
Total loans		984,167			2,955		(973	)		986,149
Allowance for loan losses		(18,882	)		—		—			(18,882	)
Net loans	$	965,285		$	2,955	$	(973	)	$	967,267