Allowance for Loan and Lease Losses (Tables)

6 Months Ended

Jun. 30, 2013

Allowance for Loan and Lease Losses [Abstract]

Detail of the allowance and loan portfolio disaggregated 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, 2013, the year ended December 31, 2012 and the three and six months ended June 30, 2012.

Allowance for Loan and Leases Losses

For the three months ended June 30, 2013

(In thousands)	Commercial real estate			Construction and land development			Commercial and industrial			Multi-family			Residential real estate		Leases			Tax certificates			Consumer		Unallocated			Total
Beginning balance	$	8,103		$	2,078		$	2,713		$	658		$	168	$	1,061		$	384		$	18	$	206		$	15,389
Charge-offs		-			-			(21	)		-			-		(99	)		(138	)		-		-			(258	)
Recoveries		23			95			6			-			5		10			72			-		-			211
Provision		(174	)		(156	)		(233	)		(70	)		180		27			268			-		(5	)		(163	)
Ending balance	$	7,952		$	2,017		$	2,465		$	588		$	353	$	999		$	586		$	18	$	201		$	15,179
Ending balance: related to loans individually evaluated for impairment	$	605		$	-		$	12		$	-		$	15	$	67		$	101		$	-	$	-		$	800
Ending balance: related to loans collectively evaluated for impairment	$	7,347		$	2,017		$	2,453		$	588		$	338	$	932		$	485		$	18	$	201		$	14,379

Allowance for Loan and Leases Losses

For the six months ended June 30, 2013

(In thousands)	Commercial real estate			Construction and land development			Commercial and industrial			Multi-family			Residential real estate			Leases			Tax certificates			Consumer			Unallocated			Total
Beginning balance	$	8,750		$	2,987		$	1,924		$	654		$	1,098		$	1,108		$	472		$	29		$	239		$	17,261
Charge-offs		(835	)		(820	)		(195	)		-			-			(108	)		(285	)		-			-			(2,243	)
Recoveries		127			191			9			-			156			20			72			-			-			575
Provision		(90	)		(341	)		727			(66	)		(901	)		(21	)		327			(11	)		(38	)		(414	)
Ending balance	$	7,952		$	2,017		$	2,465		$	588		$	353		$	999		$	586		$	18		$	201		$	15,179
Ending balance: related to loans individually evaluated for impairment	$	605		$	-		$	12		$	-		$	15		$	67		$	101		$	-		$	-		$	800
Ending balance: related to loans collectively evaluated for impairment	$	7,347		$	2,017		$	2,453		$	588		$	338		$	932		$	485		$	18		$	201		$	14,379

Loans Held for Investment and Evaluated for Impairment

For the three and six months ended June 30, 2013

(In thousands)	Commercial real estate		Construction and land development		Commercial and industrial		Multi-family		Residential real estate		Leases		Tax certificates		Consumer		Unallocated		Total
LHFI
Ending balance	$	180,601	$	34,696	$	66,985	$	11,736	$	15,873	$	38,497	$	18,578	$	901	$	-	$	367,867
Ending balance: individually evaluated for impairment	$	13,022	$	4,082	$	8,038	$	-	$	-	$	169	$	484	$	-	$	-	$	25,795
Ending balance: collectively evaluated for impairment	$	167,579	$	30,614	$	58,947	$	11,736	$	15,873	$	38,328	$	18,094	$	901	$	-	$	342,072

Allowance for Loan and Leases Losses and Loans Held for Investment

For the year ended December 31, 2012

(In thousands)	Commercial real estate			Construction and land development			Commercial and industrial			Multi-family			Residential real estate			Leases			Tax certificates			Consumer		Unallocated			Total
Allowance for Loan and Leases Losses
Beginning balance	$	7,744		$	2,523		$	2,331		$	531		$	1,188		$	1,311		$	425		$	20	$	307		$	16,380
Charge-offs		(1,313	)		(2,452	)		(586	)		(542	)		(111	)		(465	)		(802	)		-		-			(6,271	)
Recoveries		3			816			67			-			208			32			29			-		-			1,155
Provision		2,316			2,100			112			665			(187	)		230			820			9		(68	)		5,997
Ending balance	$	8,750		$	2,987		$	1,924		$	654		$	1,098		$	1,108		$	472		$	29	$	239		$	17,261
Ending balance: related to loans individually evaluated for impairment	$	835		$	820		$	255		$	-		$	14		$	55		$	47		$	-	$	-		$	2,026
Ending balance: related to loans collectively evaluated for impairment	$	7,915		$	2,167		$	1,669		$	654		$	1,084		$	1,053		$	425		$	29	$	239		$	15,235
LHFI
Ending balance	$	167,115		$	37,215		$	40,560		$	11,756		$	24,981		$	37,347		$	24,569		$	1,139	$	-		$	344,682
Ending balance: individually evaluated for impairment	$	10,958		$	5,943		$	10,251		$	-		$	994		$	81		$	601		$	-	$	-		$	28,828
Ending balance: collectively evaluated for impairment	$	156,157		$	31,272		$	30,309		$	11,756		$	23,987		$	37,266		$	23,968		$	1,139	$	-		$	315,854

Allowance for Loan and Leases Losses

For the three months ended June 30, 2012

(In thousands)	Commercial real estate			Construction and land development		Commercial and industrial			Multi-family		Residential real estate			Leases			Tax certificates			Consumer		Unallocated		Total
Beginning balance	$	7,896		$	2,449	$	2,354		$	615	$	1,194		$	1,295		$	406		$	20	$	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		$	1,212		$	332		$	20	$	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		$	1,180		$	332		$	20	$	237	$	15,620

Allowance for Loan and Leases Losses

For the six months ended June 30, 2012

(In thousands)	Commercial real estate			Construction and land development		Commercial and industrial			Multi-family		Residential real estate			Leases			Tax certificates			Consumer		Unallocated			Total
Beginning balance	$	7,744		$	2,523	$	2,331		$	531	$	1,188		$	1,311		$	425		$	20	$	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		$	1,212		$	332		$	20	$	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		$	1,180		$	332		$	20	$	237		$	15,620

Loans Held for Investment and Evaluated for Impairment

For the three and six months ended June 30, 2012

(In thousands)	Commercial real estate		Construction and land development		Commercial and industrial		Multi-family		Residential real estate		Leases		Tax certificates		Consumer		Unallocated		Total
LHFI
Ending balance	$	166,315	$	46,548	$	47,567	$	13,008	$	26,556	$	37,775	$	34,094	$	973	$	-	$	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	$	37,740	$	33,201	$	973	$	-	$	339,881

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, 2013 and December 31, 2012.

	For the six months ended June 30, 2013
(In thousands)	Unpaid principal balance		Carrying value		Related allowance		Average recorded investment		Interest income recognized
With no related allowance recorded:
Construction and land development	$	11,196	$	4,082	$	-	$	3,469	$	27
Commercial real estate		10,090		7,822		-		7,443		70
Commercial and industrial		7,128		5,981		-		6,190		149
Residential real estate		-		-		-		226		27
Leasing		-		-		-		9		-
Tax certificates		-		-		-		73		-
Total:	$	28,414	$	17,885	$	-	$	17,410	$	273
With an allowance recorded:
Construction and land development	$	-	$	-	$	-	$	708	$	-
Commercial real estate		5,424		5,200		605		1,410		-
Commercial and industrial		2,315		2,057		12		2,627		-
Residential real estate		667		491		15		446		-
Leasing		169		169		67		78		-
Tax certificates		4,364		484		101		407		-
Total:	$	12,939	$	8,401	$	800	$	5,676	$	-

	For the year ended December 31, 2012
(In thousands)	Unpaid principal balance		Carrying value		Related allowance		Average recorded investment		Interest income recognized
With no related allowance recorded:
Commercial real estate	$	10,417	$	8,623	$	-	$	11,163	$	78
Construction and land development		6,250		3,464		-		10,059		187
Commercial and industrial		7,790		6,820		-		5,545		73
Multi-family		-		-		-		780		-
Residential real estate		572		516		-		490		21
Tax certificates		-		-		-		583		-
Total:	$	25,029	$	19,423	$	-	$	28,620	$	359
With an allowance recorded:
Commercial real estate	$	4,136	$	2,335	$	835	$	1,526	$	-
Construction and land development		6,180		2,479		820		923		-
Commercial and industrial		9,585		3,431		255		682		-
Multi-family		-		-		-		383		-
Residential real estate		685		478		14		714		7
Leases		81		81		55		86		-
Tax certificates		4,408		601		47		288		-
Total:	$	25,075	$	9,405	$	2,026	$	4,602	$	7