XML 28 R31.htm IDEA: XBRL DOCUMENT v2.4.0.8
4. Allowance for Loan Losses (Details 3) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Dec. 31, 2012
Construction/Land Development $ 69,528 $ 71,251
Farmland 11,881 12,259
Real Estate 146,155 144,066
Multi-Family 9,799 9,357
Commercial Real Estate 122,723 123,819
Home Equity - closed end 10,418 10,984
Home Equity - open end 48,943 49,762
Commercial & Industrial (Non-Real Estate) 25,451 25,110
Total 444,898 446,608
Grade 1 Minimal Risk [Member]
   
Construction/Land Development      
Farmland 69 70
Real Estate      
Multi-Family      
Commercial Real Estate      
Home Equity - closed end 12  
Home Equity - open end      
Commercial & Industrial (Non-Real Estate) 259   
Total 340 70
Grade 2 Modest Risk [Member]
   
Construction/Land Development 350 831
Farmland      
Real Estate 328 448
Multi-Family 597 632
Commercial Real Estate 2,016 2,033
Home Equity - closed end      
Home Equity - open end 1,458 1,460
Commercial & Industrial (Non-Real Estate) 82 87
Total 4,831 5,491
Grade 3 Average Risk [Member]
   
Construction/Land Development 3,105 4,400
Farmland 1,372 1,544
Real Estate 69,592 36,342
Multi-Family 4,307 2,185
Commercial Real Estate 19,414 18,663
Home Equity - closed end 5,021 2,280
Home Equity - open end 15,069 15,294
Commercial & Industrial (Non-Real Estate) 3,610 3,505
Total 121,490 84,213
Grade 4 Acceptable Risk [Member]
   
Construction/Land Development 20,948 16,616
Farmland 4,121 4,327
Real Estate 47,281 69,670
Multi-Family 430 1,815
Commercial Real Estate 57,046 56,624
Home Equity - closed end 2,878 6,198
Home Equity - open end 26,799 26,595
Commercial & Industrial (Non-Real Estate) 16,630 15,448
Total 176,133 197,293
Grade 5 Marginally Acceptable [Member]
   
Construction/Land Development 12,714 15,783
Farmland 4,413 4,214
Real Estate 17,042 22,413
Multi-Family 4,465 4,725
Commercial Real Estate 27,180 28,650
Home Equity - closed end 1,458 1,268
Home Equity - open end 4,373 4,735
Commercial & Industrial (Non-Real Estate) 3,386 3,621
Total 75,031 85,409
Grade 6 Watch [Member]
   
Construction/Land Development 7,207 9,013
Farmland 326 524
Real Estate 5,832 6,472
Multi-Family      
Commercial Real Estate 10,463 4,910
Home Equity - closed end 357 530
Home Equity - open end 658 694
Commercial & Industrial (Non-Real Estate) 931 531
Total 25,774 22,674
Grade 7 Substandard [Member]
   
Construction/Land Development 25,204 24,608
Farmland 1,580 1,580
Real Estate 6,080 8,721
Multi-Family      
Commercial Real Estate 6,604 12,939
Home Equity - closed end 692 708
Home Equity - open end 586 869
Commercial & Industrial (Non-Real Estate) 553 1,918
Total 41,299 51,343
Grade 8 Doubtful [Member]
   
Construction/Land Development      
Farmland      
Real Estate      
Multi-Family      
Commercial Real Estate      
Home Equity - closed end     
Home Equity - open end    115
Commercial & Industrial (Non-Real Estate)      
Total    $ 115