The following table sets forth the composition of the Company's loan portfolio as of the dates indicated.

         
  June 30, December 31, Increase/(Decrease)
(dollars in thousands) 2013 2012   Amount   Percent  
Construction $ 182,577 $ 168,544 $ 14,033  8%
Commercial real estate  1,075,276  988,994  86,282  9
Consumer real estate  108,712  103,516  5,196  5
Commercial  710,478  647,090  63,388  10
Consumer  17,150  14,073  3,077  22
Total loans $ 2,094,193 $ 1,922,217 $ 171,976  9%
         

Nonperforming assets totaled $23.4 million at June 30, 2013, a decrease of $5.9 million compared to March 31, 2013 and a decrease of $8.6 million compared to December 31, 2012. The ratio of total nonperforming assets to total assets was 0.78% at June 30, 2013, compared to 1.05% at March 31, 2013 and 1.20% at December 31, 2012.

The Company recorded net loan charge-offs of $0.1 million during the second quarter of 2013, compared to net loan charge-offs of $4.1 million and $0.7 million for the first quarter of 2013 and second quarter of 2012.

The ratio of allowance for loan losses to total loans was 1.32% at June 30, 2013, compared to 1.28% at March 31, 2013 and 1.40% at December 31, 2012.

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