Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2013

Allowance for Loan Losses [Abstract]

Allowance for Loan Losses

	Three Months Ended						Six Months Ended
	June 30						June 30
	2013			2012			2013		2012
	(Unaudited)			(Unaudited)			(Unaudited)		(Unaudited)
Balance at beginning of the period	$	19,565		$	19,412		$	18,270	$	18,882
Loans charged-off:
Commercial
Owner occupied real estate		6			3			138		3
Non owner occupied real estate		45			28			191		28
Residential development		—			—			—		—
Development & Spec Land Loans		—			—			—		—
Commercial and industrial		774			327			913		327
Total commercial		825			358			1,242		358
Real estate
Residential mortgage		416			115			559		204
Residential construction		—			—			—		—
Mortgage warehouse		—			—			—		—
Total real estate		416			115			559		204
Consumer
Direct Installment		88			58			195		171
Direct Installment Purchased		—			—			—		—
Indirect Installment		271			271			624		609
Home Equity		201			754			639		887
Total consumer		560			1,083			1,458		1,667
Total loans charged-off		1,801			1,556			3,259		2,229
Recoveries of loans previously charged-off:
Commercial
Owner occupied real estate		14			52			46		352
Non owner occupied real estate		1			—			3		7
Residential development		—			—			—		—
Development & Spec Land Loans		—			—			—		—
Commercial and industrial		111			28			147		53
Total commercial		126			80			196		412
Real estate
Residential mortgage		5			2			8		32
Residential construction		—			—			—		—
Mortgage warehouse		—			—			—		—
Total real estate		5			2			8		32
Consumer
Direct Installment		54			20			448		35
Direct Installment Purchased		—			—			—		—
Indirect Installment		202			189			372		390
Home Equity		—			18			32		84
Total consumer		256			227			852		509
Total loan recoveries		387			309			1,056		953
Net loans charged-off		1,414			1,247			2,203		1,276
Provision charged to operating expense
Commercial		(940	)		(391	)		802		(305	)
Real estate		675			35			986		646
Consumer		994			565			1,025		427
Total provision charged to operating expense		729			209			2,813		768
Balance at the end of the period	$	18,880		$	18,374		$	18,880	$	18,374

Allowance for loan losses and the recorded investment in loans by portfolio segment

June 30, 2013	Commercial		Real Estate		Mortgage Warehousing		Consumer		Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	2,398	$	—	$	—	$	—	$	2,398
Collectively evaluated for impairment		5,128		3,734		1,610		6,010		16,482
Total ending allowance balance	$	7,526	$	3,734	$	1,610	$	6,010	$	18,880
Loans:
Individually evaluated for impairment	$	9,390	$	—	$	—	$	—	$	9,390
Collectively evaluated for impairment		494,174		183,250		155,442		278,867		1,111,733
Total ending loans balance	$	503,564	$	183,250	$	155,442	$	278,867	$	1,121,123
December 31, 2012	Commercial		Real Estate		Mortgage Warehousing		Consumer		Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	1,945	$	—	$	—	$	—	$	1,945
Collectively evaluated for impairment		5,826		3,204		1,705		5,590		16,325
Total ending allowance balance	$	7,771	$	3,204	$	1,705	$	5,590	$	18,270
Loans:
Individually evaluated for impairment	$	10,597	$	—	$	—	$	—	$	10,597
Collectively evaluated for impairment		451,243		190,292		251,928		290,174		1,183,637
Total ending loans balance	$	461,840	$	190,292	$	251,928	$	290,174	$	1,194,234