Allowance for Loan Losses ("ALLL") (Tables)

3 Months Ended

Mar. 31, 2013

Allowance for Loan Losses ("ALLL")

Summary of activity in the allowance attributed to various segments in the loan portfolio

	Real Estate															All Other
(dollar amounts in thousands)	Secured			Commercial			Construction			Land			Installment			Loans			Total
Balance, December 31, 2012	$	6,879		$	6,154		$	313		$	4,670		$	64		$	38		$	18,118
Charge-offs	-			(339		)	(169		)	(34		)	(118		)	-			(660		)
Recoveries	116			136			-			3			30			-			285
Provisions for loan losses	(855		)	791			(2		)	(61		)	130			(3		)	-
Balance, March 31, 2013	$	6,140		$	6,742		$	142		$	4,578		$	106		$	35		$	17,743
Balance, December 31, 2011	$	9,645		$	6,549		$	488		$	2,416		$	175		$	41		$	19,314
Charge-offs	(11		)	(2,142		)	-			(785		)	(11		)	(137		)	(3,086		)
Recoveries	24			206			-			3			9			-			242
Provisions for loan losses	(2,214		)	5,406			67			(30		)	(34		)	136			3,331
Balance, March 31, 2012	$	7,444		$	10,019		$	555		$	1,604		$	139		$	40		$	19,801

Summary of comparative metrics about the allowance attributed to various segments in the loan portfolio

	March 31, 2013
	Real Estate										All Other
(dollar amounts in thousands)	Secured		Commercial		Construction		Land		Installment		Loans		Total
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	101	$	2,037	$	-	$	4,090	$	33	$	-	$	6,261
General portfolio allocation	$	6,039	$	4,705	$	142	$	488	$	73	$	35	$	11,482
Loans individually evaluated for impairment	$	1,364	$	4,700	$	-	$	7,394	$	101	$	-	$	13,559
Loans collectively evaluated for impairment	$	515,224	$	144,163	$	10,894	$	16,422	$	4,426	$	192	$	691,321
General reserves to total loans collectively evaluated for impairment	1.17%		3.26%		1.30%		2.97%		1.65%		18.23%		1.66%
Total gross loans	$	516,588	$	148,863	$	10,894	$	23,816	$	4,527	$	192	$	704,880
Total allowance to gross loans	1.19%		4.53%		1.30%		19.22%		2.34%		18.23%		2.52%

	December 31, 2012
	Real Estate										All Other
(dollar amounts in thousands)	Secured		Commercial		Construction		Land		Installment		Loans		Total
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	25	$	2,185	$	-	$	3,829	$	22	$	-	$	6,061
General portfolio allocation	$	6,854	$	3,969	$	313	$	841	$	42	$	38	$	12,057
Loans individually evaluated for impairment	$	2,898	$	5,596	$	1,380	$	7,182	$	285	$	-	$	17,341
Loans collectively evaluated for impairment	$	490,110	$	141,468	$	18,336	$	17,482	$	4,610	$	261	$	672,267
General reserves to total loans collectively evaluated evaluated for impairment	1.40%		2.81%		1.71%		4.81%		0.91%		14.56%		1.79%
Total gross loans	$	493,008	$	147,064	$	19,716	$	24,664	$	4,895	$	261	$	689,608
Total allowance to gross loans	1.40%		4.18%		1.59%		18.93%		1.31%		14.56%		2.63%