Allowance for Loan and Lease Losses (Tables)

6 Months Ended

Jun. 30, 2012

Allowance for Loan and Lease Losses [Abstract]

Schedule of allowance by loan portfolio segment

The following tables present the detail of the ALLL and the loan portfolio disaggregated by loan portfolio segment for the three and six months ended June 30, 2012, the year ended December 31, 2011 and the three and six months ended June 30, 2011.

Allowance for Loan and Leases Losses and Loans Held for Investment
For the three months ended June 30, 2012
(In thousands)	Commercial real estate			Construction and land development		Commercial & industrial			Multi-family		Residential real estate			Other		Leases			Tax certificates			Unallocated		Total
Allowance for Loan and Leases Losses
Beginning balance	$	7,896		$	2,449	$	2,354		$	615	$	1,194		$	20	$	1,295		$	406		$	225	$	16,454
Charge-offs		-			-		(208	)		-		-			-		(162	)		(258	)		-		(628	)
Recoveries		-			87		55			-		1			-		7			4			-		154
Provision		(217	)		1,202		5			331		(70	)		-		72			180			12		1,515
Ending balance	$	7,679		$	3,738	$	2,206		$	946	$	1,125		$	20	$	1,212		$	332		$	237	$	17,495
Ending balance: related to loans
individually evaluated for impairment	$	-		$	1,243	$	139		$	439	$	22		$	-	$	32		$	-		$	-	$	1,875
Ending balance: related to loans
collectively evaluated for impairment	$	7,679		$	2,495	$	2,067		$	507	$	1,103		$	20	$	1,180		$	332		$	237	$	15,620
LHFI
Ending balance	$	166,315		$	46,548	$	47,567		$	13,008	$	26,556		$	973	$	37,775		$	34,094		$	-	$	372,836
Ending balance: individually
evaluated for impairment	$	12,674		$	10,712	$	5,643		$	1,673	$	1,325		$	-	$	35		$	893		$	-	$	32,955
Ending balance: collectively
evaluated for impairment	$	153,641		$	35,836	$	41,924		$	11,335	$	25,231		$	973	$	37,740		$	33,201		$	-	$	339,881

Allowance for Loan and Leases Losses and Loans Held for Investment
For the six months ended June 30, 2012
(In thousands)	Commercial real estate			Construction and land development		Commercial & industrial			Multi-family		Residential real estate			Other		Leases			Tax certificates			Unallocated			Total
Allowance for Loan and Leases Losses
Beginning balance	$	7,744		$	2,523	$	2,331		$	531	$	1,188		$	20	$	1,311		$	425		$	307		$	16,380
Charge-offs		-			-		(208	)		-		-			-		(295	)		(278	)		-			(781	)
Recoveries		3			191		57			-		2			-		15			29			-			297
Provision		(68	)		1,024		26			415		(65	)		-		181			156			(70	)		1,599
Ending balance	$	7,679		$	3,738	$	2,206		$	946	$	1,125		$	20	$	1,212		$	332		$	237		$	17,495
Ending balance: related to loans
individually evaluated for impairment	$	-		$	1,243	$	139		$	439	$	22		$	-	$	32		$	-		$	-		$	1,875
Ending balance: related to loans
collectively evaluated for impairment	$	7,679		$	2,495	$	2,067		$	507	$	1,103		$	20	$	1,180		$	332		$	237		$	15,620
LHFI
Ending balance	$	166,315		$	46,548	$	47,567		$	13,008	$	26,556		$	973	$	37,775		$	34,094		$	-		$	372,836
Ending balance: individually
evaluated for impairment	$	12,674		$	10,712	$	5,643		$	1,673	$	1,325		$	-	$	35		$	893		$	-		$	32,955
Ending balance: collectively
evaluated for impairment	$	153,641		$	35,836	$	41,924		$	11,335	$	25,231		$	973	$	37,740		$	33,201		$	-		$	339,881

Allowance for Loan and Leases Losses and Loans Held for Investment
For the year ended December 31, 2011
(In thousands)	Commercial real estate			Construction and land development			Commercial & industrial			Multi-family			Residential real estate			Other		Leases			Tax certificates			Unallocated		Total
Allowance for Loan and Leases Losses
Beginning balance	$	9,534		$	3,976		$	3,797		$	652		$	1,106		$	12	$	1,670		$	380		$	2	$	21,129
Charge-offs		(1,685	)		(5,755	)		(2,901	)		(328	)		(635	)		-		(868	)		(1,039	)		-		(13,211	)
Recoveries		357			196			22			-			153			-		6			-			-		734
Provision		(462	)		4,106			1,413			207			564			8		503			1,084			305		7,728
Ending balance	$	7,744		$	2,523		$	2,331		$	531		$	1,188		$	20	$	1,311		$	425		$	307	$	16,380
Ending balance: related to loans
individually evaluated for impairment	$	-		$	-		$	-		$	-		$	24		$	-	$	114		$	-		$	-	$	138
Ending balance: related to loans
collectively evaluated for impairment	$	7,744		$	2,523		$	2,331		$	531		$	1,164		$	20	$	1,197		$	425		$	307	$	16,242
LHFI
Ending balance	$	182,579		$	54,120		$	54,136		$	11,622		$	26,637		$	949	$	36,014		$	48,809		$	-	$	414,866
Ending balance: individually
evaluated for impairment	$	17,311		$	17,368		$	7,267		$	1,703		$	1,139		$	-	$	266		$	1,023		$	-	$	46,077
Ending balance: collectively
evaluated for impairment	$	165,268		$	36,752		$	46,869		$	9,919		$	25,498		$	949	$	35,748		$	47,786		$	-	$	368,789

Allowance for Loan and Leases Losses and Loans Held for Investment
For the three months ended June 30, 2011
(In thousands)	Commercial real estate			Construction and land development			Commercial & industrial			Multi-family			Residential			Consumer			Leasing			Tax certificates			Unallocated			Total
Allowance for Loan and Leases Losses
Beginning balance	$	9,324		$	5,485		$	3,584		$	648		$	1,084		$	16		$	1,692		$	490		$	725		$	23,048
Charge-offs		(1,685	)		(3,649	)		(552	)		(329	)		(507	)		-			(133	)		(42	)		-			(6,897	)
Recoveries		240			12			2			-			150			-			3			-			-			407
Provision		311			2,940			(1,136	)		130			414			(3	)		264			193			(57	)		3,056
Ending balance	$	8,190		$	4,788		$	1,898		$	449		$	1,141		$	13		$	1,826		$	641		$	668		$	19,614
Ending balance: related to loans
individually evaluated for impairment	$	-		$	1,458		$	-		$	-		$	22		$	-		$	314		$	328		$	-		$	2,122
Ending balance: related to loans
collectively evaluated for impairment	$	8,190		$	3,330		$	1,898		$	449		$	1,119		$	13		$	1,512		$	313		$	668		$	17,492
LHFI
Ending balance	$	180,103		$	66,313		$	56,282		$	9,880		$	27,631		$	745		$	37,598		$	60,009		$	-		$	438,561
Ending balance: individually
evaluated for impairment	$	9,676		$	16,375		$	13,458		$	1,776		$	1,395		$	-		$	408		$	1,709		$	-		$	44,797
Ending balance: collectively
evaluated for impairment	$	170,427		$	49,938		$	42,824		$	8,104		$	26,236		$	745		$	37,190		$	58,300		$	-		$	393,764

Allowance for Loan and Leases Losses and Loans Held for Investment
For the six months ended June 30, 2011
(In thousands)	Commercial real estate			Construction and land development			Commercial & industrial			Multi-family			Residential			Consumer		Leasing			Tax certificates			Unallocated		Total
Allowance for Loan and Leases Losses
Beginning balance	$	9,534		$	3,976		$	3,797		$	652		$	1,106		$	12	$	1,670		$	380		$	2	$	21,129
Charge-offs		(1,685	)		(3,649	)		(552	)		(329	)		(507	)		-		(309	)		(43	)		-		(7,074	)
Recoveries		249			12			3			-			151			-		3			1			-		419
Provision		92			4,449			(1,350	)		126			391			1		462			303			666		5,140
Ending balance	$	8,190		$	4,788		$	1,898		$	449		$	1,141		$	13	$	1,826		$	641		$	668	$	19,614
Ending balance: related to loans
individually evaluated for impairment	$	-		$	1,458		$	-		$	-		$	22		$	-	$	314		$	328		$	-	$	2,122
Ending balance: related to loans
collectively evaluated for impairment	$	8,190		$	3,330		$	1,898		$	449		$	1,119		$	13	$	1,512		$	313		$	668	$	17,492
LHFI
Ending balance	$	180,103		$	66,313		$	56,282		$	9,880		$	27,631		$	745	$	37,598		$	60,009		$	-	$	438,561
Ending balance: individually
evaluated for impairment	$	9,676		$	16,375		$	13,458		$	1,776		$	1,395		$	-	$	408		$	1,709		$	-	$	44,797
Ending balance: collectively
evaluated for impairment	$	170,427		$	49,938		$	42,824		$	8,104		$	26,236		$	745	$	37,190		$	58,300		$	-	$	393,764

Financing receivable evaluated for impairment by portfolio segment

The following tables detail the loans that were evaluated for impairment by loan segment at June 30, 2012 and December 31, 2011.

	For the six months ended June 30, 2012
(In thousands)	Unpaid principal balance		Carrying value		Related allowance		Average recorded investment		Interest income recognized
With no related allowance recorded:
Construction and land development	$	14,646	$	8,578	$	-	$	14,348	$	123
Commercial real estate		14,627		12,674		-		13,557		39
Commercial & industrial		12,134		5,382		-		5,997		38
Residential real estate		3,918		600		-		458		21
Multi-family		-		-		-		1,449		-
Tax certificates		4,699		892		-		569		-
Total:	$	50,024	$	28,126	$	-	$	36,378	$	221
With an allowance recorded:
Construction and land development	$	-	$	891	$	1,243	$	305	$	-
Commercial & industrial		759		122		139		393		-
Residential real estate		998		704		22		763		7
Multi-family		1,888		1,234		439		239		-
Leasing		35		3		32		114		-
Tax certificates		-		-		-		449		-
Total:	$	3,680	$	2,954	$	1,875	$	2,263	$	7

	For the year ended December 31, 2011
(In thousands)	Unpaid principal balance		Carrying value		Related allowance		Average recorded investment		Interest income recognized
With no related allowance recorded:
Construction and land development	$	24,183	$	17,368	$	-	$	13,331	$	84
Commercial real estate		19,513		17,311		-		7,732		33
Commercial & industrial		14,368		7,267		-		8,257		77
Residential real estate		3,645		337		-		950		-
Multi-family		1,888		1,703		-		1,760		-
Tax certificates		4,658		1,023		-		171		-
Total:	$	68,255	$	45,009	$	-	$	32,201	$	194
With an allowance recorded:
Construction and land development	$	-	$	-	$	-	$	4,514	$	-
Commercial real estate		-		-		-		2,642		-
Commercial & industrial		-		-		-		1,394		-
Residential real estate		1,048		778		24		915		1
Multi-family		-		-		-		245		-
Leases		266		152		114		348		-
Tax certificates		-		-		-		1,423		-
Total:	$	1,314	$	930	$	138	$	11,481	$	1