Non-performing Assets and Impaired Loans (Tables)

12 Months Ended

Dec. 31, 2012

Non-performing Assets and Impaired Loans [Abstract]

Nonaccrual, loans past due over 90 days still on accrual, and troubled debt restructured ("TDRs") by class of loans:

			Loans Past
			Due Over 90						Total Non-
			Days Still		Non Performing		Performing		Performing
December 31, 2012	Nonaccrual		Accruing		TDR’s		TDR’s		Loans
Commercial
Owner occupied real estate	$	2,800	$	—	$	1,272	$	819	$	4,891
Non owner occupied real estate		1,705		—		1,605		446		3,756
Residential development		—		—		—		—		—
Development & Spec Land Loans		705		—		—		—		705
Commercial and industrial		544		—		797		—		1,341
Total commercial		5,754		—		3,674		1,265		10,693
Real estate
Residential mortgage		4,565		2		2,536		1,761		8,864
Residential construction		—		—		291		—		291
Mortgage warehouse		—		—		—		—		—
Total real estate		4,565		2		2,827		1,761		9,155
Consumer
Direct Installment		138		26		—		—		164
Direct Installment Purchased		—		—		—		—		—
Indirect Installment		866		26		—		—		892
Home Equity		2,051		—		148		676		2,875
Total Consumer		3,055		52		148		676		3,931
Total	$	13,374	$	54	$	6,649	$	3,702	$	23,779
			Loans Past
			Due Over 90						Total Non-
			Days Still		Non Performing		Performing		Performing
December 31, 2011	Nonaccrual		Accruing		TDR’s		TDR’s		Loans
Commercial
Owner occupied real estate	$	2,515	$	—	$	—	$	—	$	2,515
Non owner occupied real estate		3,970		—		152		—		4,122
Residential development		—		—		—		—		—
Development & Spec Land Loans		90		—		—		—		90
Commercial and industrial		330		—		901		—		1,231
Total commercial		6,905		—		1,053		—		7,958
Real estate
Residential mortgage		4,550		—		1,120		2,389		8,059
Residential construction		144		—		—		293		437
Mortgage warehouse		—		—		—		—		—
Total real estate		4,694		—		1,120		2,682		8,496
Consumer
Direct Installment		256		1		—		—		257
Direct Installment Purchased		—		4		—		—		4
Indirect Installment		926		29		—		—		955
Home Equity		1,587		3		25		858		2,473
Total Consumer		2,769		37		25		858		3,689
Total	$	14,368	$	37	$	2,198	$	3,540	$	20,143

Loans transferred and classified as troubled debt restructuring

	December 31, 2012				December 31, 2011
	Number of Defaults		Unpaid Principal Balance		Number of Defaults		Unpaid Principal Balance
Commercial
Owner occupied real estate		4	$	2,091		—	$	—
Non owner occupied real estate		4		2,051		—		—
Residential development		—		—		—		—
Development & Spec Land Loans		—		—		—		—
Commercial and industrial		—		—		1		835
Total commercial		8		4,142		1		835
Real estate
Residential mortgage		5		1,231		3		342
Residential construction		—		—		—		—
Mortgage warehouse		—		—		—		—
Total real estate		5		1,231		3		342
Consumer
Direct Installment		—		—		—		—
Direct Installment Purchased		—		—		—		—
Indirect Installment		—		—		—		—
Home Equity		—		—		11		758
Total Consumer		—		—		11		758
Total		13	$	5,373		15	$	1,935

Troubled debt restructured loans which had payment defaults during the years ended December 31, 2012 and 2011, segregated by class, are shown in the table below. Default occurs when a loan is 90 days or more past due or transferred to nonaccrual.

	December 31, 2012				December 31, 2011
	Number of Defaults		Unpaid Principal Balance		Number of Defaults		Unpaid Principal Balance
Commercial
Owner occupied real estate		3	$	1,272		1	$	835
Non owner occupied real estate		3		1,605		—		—
Residential development		—		—		—		—
Development & Spec Land Loans		—		—		—		—
Commercial and industrial		—		—		2		218
Total commercial		6		2,877		3		1,053
Real estate
Residential mortgage		4		1,168		2		1,120
Residential construction		—		—		—		—
Mortgage warehouse		—		—		—		—
Total real estate		4		1,168		2		1,120
Consumer
Direct Installment		—		—		—		—
Direct Installment Purchased		—		—		—		—
Indirect Installment		—		—		—		—
Home Equity		—		—		—		—
Total Consumer		—		—		—		—
Total		10	$	4,045		5	$	2,173

Commercial loans individually evaluated for impairment by class of loans

							Twelve Months Ending
December 31, 2012	Unpaid Principal Balance		Recorded Investment		Allowance For Loan Loss Allocated		Average Balance in Impaired Loans		Cash/Accrual Interest Income Recognized
With no recorded allowance
Commercial
Owner occupied real estate	$	4,890	$	4,901	$	—	$	2,422	$	80
Non owner occupied real estate		1,961		1,963		—		1,544		20
Residential development		—		—		—		—		—
Development & Spec Land Loans		133		133		—		61		—
Commercial and industrial		449		466		—		297		—
Total commercial		7,433		7,463		—		4,324		100
With an allowance recorded
Commercial
Owner occupied real estate		—		—		—		—		—
Non owner occupied real estate		1,795		1,795		1,080		481		95
Residential development		—		—		—		—		—
Development & Spec Land Loans		572		572		600		526		6
Commercial and industrial		797		797		265		806		—
Total commercial		3,164		3,164		1,945		1,813		101
Total	$	10,597	$	10,627	$	1,945	$	6,137	$	201
							Twelve Months Ending
December 31, 2011	Unpaid Principal Balance		Recorded Investment		Allowance For Loan Loss Allocated		Average Balance in Impaired Loans		Interest Income Recognized
With no recorded allowance
Commercial
Owner occupied real estate	$	192	$	192	$	—	$	110	$	2
Non owner occupied real estate		954		956		—		639		43
Residential development		—		—		—		—		—
Development & Spec Land Loans		90		90		—		157		—
Commercial and industrial		396		396		—		355		6
Total commercial		1,632		1,634		—		1,261		51
With an allowance recorded
Commercial
Owner occupied real estate		2,323		2,323		770		1,911		25
Non owner occupied real estate		3,168		3,168		1,080		830		83
Residential development		—		—		—		—		—
Development & Spec Land Loans		—		—		—		—		—
Commercial and industrial		835		835		286		839		22
Total commercial		6,326		6,326		2,136		3,580		130
Total	$	7,958	$	7,960	$	2,136	$	4,841	$	181

Payment status by class of loan

December 31, 2012	30 -59 Days Past Due			60 -89 Days Past Due			Greater than 90 Days Past Due			Total Past Due			Loans Not Past Due			Total
Commercial
Owner occupied real estate	$	2,207		$	19		$	—		$	2,226		$	160,468		$	162,694
Non owner occupied real estate		669			147			—			816			200,947			201,763
Residential development		—			—			—			—			1,056			1,056
Development & Spec Land Loans		—			—			—			—			6,963			6,963
Commercial and industrial		538			16			—			554			86,528			87,082
Total commercial		3,414			182			—			3,596			455,962			459,558
Real estate
Residential mortgage		167			—			2			169			181,281			181,450
Residential construction		—			—			—			—			7,681			7,681
Mortgage warehouse		—			—			—			—			251,448			251,448
Total real estate		167			—			2			169			440,410			440,579
Consumer
Direct Installment		240			64			26			330			27,501			27,831
Direct Installment Purchased		—			—			—			—			429			429
Indirect Installment		1,105			177			26			1,308			132,173			133,481
Home Equity		1,072			321			—			1,393			125,195			126,588
Total consumer		2,417			562			52			3,031			285,298			288,329
Total	$	5,998		$	744		$	54		$	6,796		$	1,181,670		$	1,188,466
Percentage of total loans		0.50	%		0.06	%		0.00	%		0.57	%		99.43	%
December 31, 2011	30 -59 Days Past Due			60 -89 Days Past Due			Greater than 90 Days Past Due			Total Past Due			Loans Not Past Due			Total
Commercial
Owner occupied real estate	$	89		$	168		$	—		$	257		$	131,636		$	131,893
Non owner occupied real estate		228			—			—			228			142,041			142,269
Residential development		—			—			—			—			3,574			3,574
Development & Spec Land Loans		—			—			—			—			8,739			8,739
Commercial and industrial		34			22			—			56			65,718			65,774
Total commercial		351			190			—			541			351,708			352,249
Real estate
Residential mortgage		411			—			—			411			150,482			150,893
Residential construction		—			—			—			—			6,181			6,181
Mortgage warehouse		—			—			—			—			208,299			208,299
Total real estate		411			—			—			411			364,962			365,373
Consumer
Direct Installment		164			22			1			187			24,065			24,252
Direct Installment Purchased		7			14			4			25			956			981
Indirect Installment		1,333			335			29			1,697			126,054			127,751
Home Equity		363			92			3			458			113,103			113,561
Total consumer		1,867			463			37			2,367			264,178			266,545
Total	$	2,629		$	653		$	37		$	3,319		$	980,848		$	984,167
Percentage of total loans		0.27	%		0.07	%		0.00	%		0.34	%		99.66	%

Loans by credit grades

December 31, 2012	Pass			Special Mention			Substandard			Doubtful			Total
Commercial
Owner occupied real estate	$	137,664		$	6,407		$	17,029		$	1,594		$	162,694
Non owner occupied real estate		171,319			19,440			10,717			287			201,763
Residential development		405			—			651			—			1,056
Development & Spec Land Loans		3,171			178			3,614			—			6,963
Commercial and industrial		78,810			3,136			5,136			—			87,082
Total commercial		391,369			29,161			37,147			1,881			459,558
Real estate
Residential mortgage		172,586			—			8,864			—			181,450
Residential construction		7,390			—			291			—			7,681
Mortgage warehouse		251,448			—			—			—			251,448
Total real estate		431,424			—			9,155			—			440,579
Consumer
Direct Installment		27,667			—			164			—			27,831
Direct Installment Purchased		429			—			—			—			429
Indirect Installment		132,589			—			892			—			133,481
Home Equity		123,713			—			2,875			—			126,588
Total Consumer		284,398			—			3,931			—			288,329
Total	$	1,107,191		$	29,161		$	50,233		$	1,881		$	1,188,466
Percentage of total loans		93.16	%		2.45	%		4.23	%		0.16	%
December 31, 2011	Pass			Special Mention			Substandard			Doubtful			Total
Commercial
Owner occupied real estate	$	107,155		$	4,101		$	20,637		$	—		$	131,893
Non owner occupied real estate		118,446			11,423			12,400			—			142,269
Residential development		1,677			529			1,368			—			3,574
Development & Spec Land Loans		3,778			860			4,101			—			8,739
Commercial and industrial		55,964			3,012			6,798			—			65,774
Total commercial		287,020			19,925			45,304			—			352,249
Real estate
Residential mortgage		142,834			—			8,059			—			150,893
Residential construction		5,744			—			437			—			6,181
Mortgage warehouse		208,299			—			—			—			208,299
Total real estate		356,877			—			8,496			—			365,373
Consumer
Direct Installment		23,995			—			257			—			24,252
Direct Installment Purchased		977			—			4			—			981
Indirect Installment		126,796			—			955			—			127,751
Home Equity		111,088			—			2,473			—			113,561
Total Consumer		262,856			—			3,689			—			266,545
Total	$	906,753		$	19,925		$	57,489		$	—		$	984,167
Percentage of total loans		92.13	%		2.02	%		5.84	%		0.00	%