Loans and Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2012

Loans and Allowance for Loan Losses [Abstract]

Summary of activity in the loan balances and the allowance for loan losses by segment

Six Months Ended June 30, 2012
	Commercial Real Estate			Commercial			Residential Real Estate			Home Equity Loans			Indirect			Consumer			Total
							(Dollars in thousands)
Allowance for loan losses:
Balance, beginning of period	$	10,714		$	1,409		$	1,331		$	2,289		$	891		$	429		$	17,063
Losses charged off		(1,319	)		(165	)		(975	)		(555	)		(577	)		(106	)		(3,697	)
Recoveries		30			20			83			15			190			29			367
Provision charged to expense		1,971			(424	)		1,277			397			481			(135	)		3,567
Balance, end of period	$	11,396		$	840		$	1,716		$	2,146		$	985		$	217		$	17,300
Three Months Ended June 30, 2012
	Commercial Real Estate			Commercial			Residential Real Estate			Home Equity Loans			Indirect			Consumer			Total
							(Dollars in thousands)
Allowance for loan losses:
Balance, beginning of period	$	11,651		$	585		$	1,574		$	2,298		$	807		$	200		$	17,115
Losses charged off		(340	)		(165	)		(508	)		(152	)		(399	)		(57	)		(1,621	)
Recoveries		10			3			16			11			87			12			139
Provision charged to expense		75			417			634			(11	)		490			62			1,667
Balance, end of period	$	11,396		$	840		$	1,716		$	2,146		$	985		$	217		$	17,300
As of June 30, 2012
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	3,181		$	80		$	37		$	—		$	—		$	—		$	3,298
Collectively evaluated for impairment		8,215			760			1,679			2,146			985			217			14,002
Total ending allowance balance	$	11,396		$	840		$	1,716		$	2,146		$	985		$	217		$	17,300
Loans:
Individually evaluated for impairment	$	28,102		$	306		$	1,161		$	—		$	—		$	—		$	29,569
Collectively evaluated for impairment		370,149			79,155			63,673			126,568			184,892			13,453			837,890
Total ending loans balance	$	398,251		$	79,461		$	64,834		$	126,568		$	184,892		$	13,453		$	867,459
Six Months Ended June 30, 2011
	Commercial Real Estate			Commercial			Residential Real Estate			Home Equity Loans			Indirect			Consumer			Total
							(Dollars in thousands)
Allowance for loan losses:
Balance, beginning of period	$	11,127		$	1,317		$	805		$	1,512		$	904		$	471		$	16,136
Losses charged off		(2,092	)		(224	)		(1,026	)		(686	)		(338	)		(245	)		(4,611	)
Recoveries		216			35			10			2			72			46			381
Provision charged to expense		2,430			54			1,460			1,063			283			155			5,445
Balance, end of period	$	11,681		$	1,182		$	1,249		$	1,891		$	921		$	427		$	17,351
Three Months Ended June 30, 2011
							(Dollars in thousands)
Allowance for loan losses:
Balance, beginning of period	$	12,003		$	1,151		$	926		$	1,940		$	902		$	393		$	17,315
Losses charged off		(1,862	)		(224	)		(753	)		(341	)		(143	)		(176	)		(3,499	)
Recoveries		114			4			6			1			47			18			190
Provision charged to expense		1,426			251			1,070			291			115			192			3,345
Balance, end of period	$	11,681		$	1,182		$	1,249		$	1,891		$	921		$	427		$	17,351
As of June 30, 2011
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	5,602		$	166		$	302		$	—		$	—		$	—		$	6,070
Collectively evaluated for impairment		6,079			1,016			947			1,891			921			427			11,281
Total ending allowance balance	$	11,681		$	1,182		$	1,249		$	1,891		$	921		$	427		$	17,351
Loans:
Individually evaluated for impairment	$	35,349		$	771		$	2,126		$	—		$	—		$	—		$	38,246
Collectively evaluated for impairment		351,542			71,908			66,711			130,143			158,885			12,877			792,066
Total ending loans balance	$	386,891		$	72,679		$	68,837		$	130,143		$	158,885		$	12,877		$	830,312

Age Analysis of Past Due Loans

Age Analysis of Past Due Loans as of June 30, 2012
(Dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		Greater than 90  Days		Total Past Due		Current		Total Loans		Recorded Investment > 90 Days and Accruing
Commercial real estate	$	701	$	425	$	16,435	$	17,561	$	380,690	$	398,251	$	—
Commercial		404		123		491		1,018		78,443		79,461		—
Residential real estate		506		608		3,579		4,693		60,141		64,834		—
Home equity loans		1,342		272		1,386		3,000		123,568		126,568		—
Indirect		518		96		5		619		184,273		184,892
Consumer		60		163		44		267		13,186		13,453		—
Total	$	3,531	$	1,687	$	21,940	$	27,158	$	840,301	$	867,459	$	—

Age Analysis of Past Due Loans as of December 31, 2011
(Dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		Greater than 90  Days		Total Past Due		Current		Total Loans		Recorded Investment > 90 Days and Accruing
Commercial real estate	$	290	$	804	$	19,023	$	20,117	$	361,735	$	381,852	$	—
Commercial		54		249		805		1,108		75,462		76,570		—
Residential real estate		545		1,172		3,554		5,271		59,253		64,524		—
Home equity loans		1,942		181		1,666		3,789		123,169		126,958		—
Indirect		664		71		124		859		179,230		180,089
Consumer		131		12		28		171		12,924		13,095		—
Total	$	3,626	$	2,489	$	25,200	$	31,315	$	811,773	$	843,088	$	—

Impaired loans

	At June 30, 2012						Three Months Ended June 30, 2012		Six Months Ended June 30, 2012
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Balance		Average Recorded Balance
(Dollars in thousands)
With no related allowance recorded:
Commercial real estate	$	8,241	$	12,981	$	—	$	9,121	$	9,758
Commercial		171		171		—		208		177
Residential real estate		1,089		2,138		—		1,353		1,184
Home equity loans		—		—		—		—		—
Indirect		—		—		—		—		—
Consumer		—		—		—		—		—
With allowance recorded:
Commercial real estate		19,861		21,465		3,181		19,600		19,511
Commercial		135		135		80		313		269
Residential real estate		72		72		37		72		72
Home equity loans		—		—		—		—		—
Indirect		—		—		—		—		—
Consumer		—		—		—		—		—
Total	$	29,569	$	36,962	$	3,298	$	30,667	$	30,971

	At December 31, 2011						Three Months Ended June 30, 2011		Six Months Ended June 30, 2011
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Balance		Average Recorded Balance
(Dollars in thousands)
With no related allowance recorded:
Commercial real estate	$	12,585	$	20,138	$	—	$	10,575	$	9,609
Commercial		386		386		—		368		484
Residential real estate		1,069		1,897		—		1,771		2,491
Home equity loans		—		—		—		—		—
Indirect		—		—		—		—		—
Consumer		—		—		—		—		—
With allowance recorded:
Commercial real estate		19,161		19,823		3,747		26,667		28,307
Commercial		319		794		148		531		837
Residential real estate		72		72		37		662		1,041
Home equity loans		—		—		—		—		—
Indirect		—		—		—		—		—
Consumer		—		—		—		—		—
Total	$	33,592	$	43,110	$	3,932	$	40,574	$	42,769

Loans on nonaccrual status

	June 30, 2012			December 31, 2011
	(Dollars in thousands)
Commercial real estate	$	22,456		$	21,512
Commercial		644			1,072
Residential real estate		6,724			6,551
Home equity loans		4,252			4,365
Indirect		530			711
Consumer		387			260
Total Nonaccrual Loans	$	34,993		$	34,471
Percentage of nonaccrual loans to portfolio loans		4.03	%		4.09	%
Percentage of nonaccrual loans to total assets		2.90	%		2.95	%

Information's of TDR loans

	For the Six Months Ended June 30, 2012				For the Three Months Ended June 30, 2012
	(Dollars in thousands)				(Dollars in thousands)
	Number of Contracts		Post-Modification Outstanding Recorded Investment		Number of Contracts		Post-Modification Outstanding Recorded Investment
Troubled Debt Restructurings
Commercial Real Estate		5	$	2,972		—	$	—

Summary of recorded investment based on delinquency status

	Commercial Real Estate		Commercial		Residential Real Estate*		Home Equity Loans		Indirect		Consumer		Total
Commercial Credit Exposure	June 30, 2012
	(Dollars in thousands)
Loans graded by internal credit risk grade:
Grade 1-Minimal	$	—	$	110	$	—	$	—	$	—	$	—	$	110
Grade 2-Modest		—		—		—		—		—		—		—
Grade 3-Better than average		1,566		13		—		—		—		—		1,579
Grade 4-Average		38,195		4,837		232		—		—		—		43,264
Grade 5-Acceptable		319,260		70,231		4,681		—		—		—		394,172
Total Pass Credits		359,021		75,191		4,913		—		—		—		439,125
Grade 6-Special mention		5,789		3,642		46		—		—		—		9,477
Grade 7-Substandard		32,676		628		1,533		—		—		—		34,837
Grade 8-Doubtful		765		—		—		—		—		—		765
Grade 9-Loss		—		—		—		—		—		—		—
Total loans internally credit risk graded		398,251		79,461		6,492		—		—		—		484,204
Loans not monitored by internal risk grade:
Current loans not internally risk graded		—		—		55,181		123,568		184,273		13,186		376,208
30-59 days past due loans not internally risk graded		—		—		506		1,342		518		60		2,426
60-89 days past due loans not internally risk graded		—		—		608		272		96		163		1,139
90+ days past due loans not internally risk graded		—		—		2,047		1,386		5		44		3,482
Total loans not internally credit risk graded		—		—		58,342		126,568		184,892		13,453		383,255
Total loans internally and not internally credit risk graded	$	398,251	$	79,461	$	64,834	$	126,568	$	184,892	$	13,453	$	867,459

	Commercial Real Estate		Commercial		Residential Real Estate*		Home Equity Loans		Indirect		Consumer		Total
Commercial Credit Exposure	December 31, 2011
	(Dollars in thousands)
Loans graded by internal credit risk grade:
Grade 1-Minimal	$	—	$	3,157	$	—	$	—	$	—	$	—	$	3,157
Grade 2-Modest		—		—		—		—		—		—		—
Grade 3-Better than average		1,602		19		—		—		—		—		1,621
Grade 4-Average		44,527		5,322		237		—		—		—		50,086
Grade 5-Acceptable		278,458		63,880		4,835		—		—		—		347,173
Total Pass Credits		324,587		72,378		5,072		—		—		—		402,037
Grade 6-Special mention		16,390		2,947		157		—		—		—		19,494
Grade 7-Substandard		40,875		1,245		1,830		—		—		—		43,950
Grade 8-Doubtful		—		—		—		—		—		—		—
Grade 9-Loss		—		—		—		—		—		—		—
Total loans internally credit risk graded		381,852		76,570		7,059		—		—		—		465,481
Loans not monitored by internal risk grade:
Current loans not internally risk graded		—		—		53,276		123,169		179,230		12,924		368,599
30-59 days past due loans not internally risk graded		—		—		545		1,942		664		131		3,282
60-89 days past due loans not internally risk graded		—		—		1,172		181		71		12		1,436
90+ days past due loans not internally risk graded		—		—		2,472		1,666		124		28		4,290
Total loans not internally credit risk graded		—		—		57,465		126,958		180,089		13,095		377,607
Total loans internally and not internally credit risk graded	$	381,852	$	76,570	$	64,524	$	126,958	$	180,089	$	13,095	$	843,088

* Residential loans include conventional 1-4 family residential property loans and conventional 1-4 family residential property loans used to finance the cost of construction when upon completion of construction the loan converts into a permanent mortgage.