Loans (Tables)
|
12 Months Ended |
Dec. 31, 2012
|
Loans [Abstract] |
|
Summary Of Loans Receivable Outstanding |
|
|
|
|
|
|
|
|
|
(Dollars are in thousands)
|
2012
|
|
2011
|
Real estate secured:
|
|
|
|
|
Commercial
|
$
|
149,935
|
$
|
170,789
|
Construction and land development
|
|
24,327
|
|
32,389
|
Residential 1-4 family
|
|
240,201
|
|
255,998
|
Multifamily
|
|
12,567
|
|
14,320
|
Farmland
|
|
33,068
|
|
40,106
|
Total real estate loans
|
|
460,098
|
|
513,602
|
Commercial
|
|
28,314
|
|
39,327
|
Agriculture
|
|
4,328
|
|
6,147
|
Consumer installment loans
|
|
29,445
|
|
38,522
|
All other loans
|
178
|
218
|
Total loans
|
$
|
522,363
|
$
|
597,816
|
|
Summary Of Loans Receivable On Nonaccrual Status |
(Dollars are in thousands)
|
2012
|
|
2011
|
Real estate secured:
|
|
|
|
|
Commercial
|
$
|
16,308
|
$
|
19,169
|
Construction and land development
|
|
2,412
|
|
5,583
|
Residential 1-4 family
|
|
3,403
|
|
4,829
|
Multifamily
|
|
442
|
|
2,101
|
Farmland
|
|
7,750
|
|
5,257
|
Total real estate loans
|
|
30,315
|
|
36,939
|
Commercial
|
|
2,762
|
|
4,522
|
Agriculture
|
|
450
|
|
854
|
Consumer installment loans
|
9
|
1
|
All other loans
|
-
|
-
|
Total loans receivable on nonaccrual status
|
$
|
33,536
|
$
|
42,316
|
|
Summary Of Impaired Loans |
As of December 31, 2012
(Dollars are in thousands)
|
|
Average
Recorded
Investment
|
|
Interest
Income
Recognized
|
|
Recorded
Investment
|
|
Unpaid Principal Balance
|
|
Related
Allowance
|
With no related allowance recorded:
|
|
|
|
|
|
|
|
|
|
|
Real estate secured:
|
|
|
|
|
|
|
|
|
|
|
Commercial
|
$
|
26,662
|
$
|
829
|
$
|
20,389
|
$
|
21,434
|
$
|
-
|
Construction and land development
|
|
4,759
|
|
118
|
|
3,759
|
|
8,618
|
|
-
|
Residential 1-4 family
|
|
7,824
|
|
227
|
|
6,308
|
|
6,567
|
|
-
|
Multifamily
|
|
1,021
|
|
44
|
|
928
|
|
998
|
|
-
|
Farmland
|
|
7,748
|
|
168
|
|
4,375
|
|
4,810
|
|
-
|
Commercial
|
|
2,499
|
|
18
|
|
1,111
|
|
1,147
|
|
-
|
Agriculture
|
|
463
|
|
7
|
|
109
|
|
109
|
|
-
|
Consumer installment loans
|
|
83
|
|
10
|
|
98
|
|
98
|
|
-
|
All other loans
|
|
-
|
|
-
|
|
-
|
|
-
|
|
-
|
With an allowance recorded:
|
|
|
|
|
|
|
|
|
|
|
Real estate secured:
|
|
|
|
|
|
|
|
|
|
|
Commercial
|
|
14,770
|
|
347
|
|
13,495
|
|
14,014
|
|
3,196
|
Construction and land development
|
|
1,728
|
|
41
|
|
793
|
|
945
|
|
177
|
Residential 1-4 family
|
|
5,473
|
|
203
|
|
3,830
|
|
3,836
|
|
577
|
Multifamily
|
|
1,589
|
|
68
|
|
2,028
|
|
2,096
|
|
456
|
Farmland
|
|
4,972
|
|
(123)
|
|
5,702
|
|
5,714
|
|
635
|
Commercial
|
|
1,689
|
|
19
|
|
1,881
|
|
1,885
|
|
491
|
Agriculture
|
|
373
|
|
3
|
|
353
|
|
353
|
|
308
|
Consumer installment loans
|
|
69
|
|
3
|
|
27
|
|
27
|
|
16
|
All other loans
|
|
-
|
|
-
|
|
-
|
|
-
|
|
-
|
Total
|
$
|
81,722
|
$
|
1,982
|
$
|
65,186
|
$
|
72,651
|
$
|
5,856
|
As of December 31, 2011
(Dollars are in thousands)
|
|
Average
Recorded
Investment
|
|
Interest
Income
Recognized
|
|
Recorded
Investment
|
|
Unpaid Principal Balance
|
|
Related
Allowance
|
With no related allowance recorded:
|
|
|
|
|
|
|
|
|
|
|
Real estate secured:
|
|
|
|
|
|
|
|
|
|
|
Commercial
|
$
|
32,370
|
$
|
1,356
|
$
|
31,633
|
$
|
33,175
|
$
|
-
|
Construction and land development
|
|
14,288
|
|
125
|
|
6,954
|
|
12,838
|
|
-
|
Residential 1-4 family
|
|
6,406
|
|
315
|
|
8,221
|
|
8,296
|
|
-
|
Multifamily
|
|
619
|
|
31
|
|
613
|
|
613
|
|
-
|
Farmland
|
|
13,005
|
|
435
|
|
10,364
|
|
10,554
|
|
-
|
Commercial
|
|
2,958
|
|
60
|
|
3,529
|
|
4,070
|
|
-
|
Agriculture
|
|
396
|
|
1
|
|
521
|
|
817
|
|
-
|
Consumer installment loans
|
|
4
|
|
1
|
|
9
|
|
9
|
|
-
|
All other loans
|
|
-
|
|
-
|
|
-
|
|
-
|
|
-
|
With an allowance recorded:
|
|
|
|
|
|
|
|
|
|
|
Real estate secured:
|
|
|
|
|
|
|
|
|
|
|
Commercial
|
|
9,887
|
|
691
|
|
14,482
|
|
14,973
|
|
2,794
|
Construction and land development
|
|
2,917
|
|
87
|
|
2,289
|
|
2,310
|
|
474
|
Residential 1-4 family
|
|
5,111
|
|
277
|
|
6,473
|
|
6,764
|
|
1,052
|
Multifamily
|
|
-
|
|
-
|
|
-
|
|
-
|
|
-
|
Farmland
|
|
2,354
|
|
119
|
|
4,192
|
|
4,192
|
|
605
|
Commercial
|
|
1,982
|
|
75
|
|
1,857
|
|
1,857
|
|
649
|
Agriculture
|
|
758
|
|
28
|
|
641
|
|
641
|
|
448
|
Consumer installment loans
|
|
41
|
|
3
|
|
43
|
|
43
|
|
24
|
All other loans
|
|
-
|
|
-
|
|
-
|
|
-
|
|
-
|
Total
|
$
|
93,096
|
$
|
3,604
|
$
|
91,821
|
$
|
101,152
|
$
|
6,046
|
|
Summary Of Age Analysis Of Past Due Loans Receivable |
As of December 31, 2012
(Dollars are in thousands)
|
|
Loans
30-59
Days
Past
Due
|
|
Loans
60-89
Days
Past
Due
|
|
Loans
90 or
More
Days
Past
Due
|
|
Total
Past
Due
Loans
|
|
Current
Loans
|
|
Total
Loans
|
|
Accruing
Loans
90 or
More
Days
Past
Due
|
Real estate secured:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial
|
$
|
4,164
|
$
|
998
|
$
|
8,889
|
$
|
14,051
|
$
|
135,884
|
$
|
149,935
|
$
|
-
|
Construction and land
development
|
|
653
|
|
-
|
|
254
|
|
907
|
|
23,420
|
|
24,327
|
|
-
|
Residential 1-4 family
|
|
9,031
|
|
861
|
|
3,027
|
|
12,919
|
|
227,282
|
|
240,201
|
|
304
|
Multifamily
|
|
90
|
|
-
|
|
442
|
|
532
|
|
12,035
|
|
12,567
|
|
-
|
Farmland
|
|
1,777
|
|
-
|
|
5,871
|
|
7,648
|
|
25,420
|
|
33,068
|
|
191
|
Total real estate loans
|
|
15,715
|
|
1,859
|
|
18,483
|
|
36,057
|
|
424,041
|
|
460,098
|
|
495
|
Commercial
|
|
135
|
|
12
|
|
2,104
|
|
2,251
|
|
26,063
|
|
28,314
|
|
2
|
Agriculture
|
|
117
|
|
12
|
|
360
|
|
489
|
|
3,839
|
|
4,328
|
|
-
|
Consumer installment
Loans
|
|
506
|
|
66
|
|
55
|
|
627
|
|
28,818
|
|
29,445
|
|
54
|
All other loans
|
|
19
|
|
7
|
|
-
|
|
26
|
|
152
|
|
178
|
|
-
|
Total loans
|
$
|
16,492
|
$
|
1,956
|
$
|
21,002
|
$
|
39,450
|
$
|
482,913
|
$
|
522,363
|
$
|
551
|
As of December 31, 2011
(Dollars are in thousands)
|
|
Loans
30-59
Days
Past
Due
|
|
Loans
60-89
Days
Past
Due
|
|
Loans
90 or
More
Days
Past
Due
|
|
Total
Past
Due
Loans
|
|
Current
Loans
|
|
Total
Loans
|
|
Accruing
Loans
90 or
More
Days
Past
Due
|
Real estate secured:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial
|
$
|
9,754
|
$
|
2,294
|
$
|
7,771
|
$
|
19,819
|
$
|
150,970
|
$
|
170,789
|
$
|
-
|
Construction and land
development
|
|
595
|
|
238
|
|
5,280
|
|
6,113
|
|
26,276
|
|
32,389
|
|
-
|
Residential 1-4 family
|
|
9,471
|
|
1,412
|
|
4,101
|
|
14,984
|
|
241,014
|
|
255,998
|
|
1,129
|
Multifamily
|
|
-
|
|
1,777
|
|
218
|
|
1,995
|
|
12,325
|
|
14,320
|
|
-
|
Farmland
|
|
2,841
|
|
624
|
|
3,800
|
|
7,265
|
|
32,841
|
|
40,106
|
|
-
|
Total real estate loans
|
|
22,661
|
|
6,345
|
|
21,170
|
|
50,176
|
|
463,426
|
|
513,602
|
|
1,129
|
Commercial
|
|
551
|
|
34
|
|
2,938
|
|
3,523
|
|
35,804
|
|
39,327
|
|
117
|
Agriculture
|
|
268
|
|
88
|
|
458
|
|
814
|
|
5,333
|
|
6,147
|
|
3
|
Consumer installment
Loans
|
|
822
|
|
133
|
|
221
|
|
1,176
|
|
37,346
|
|
38,522
|
|
222
|
All other loans
|
|
26
|
|
9
|
|
33
|
|
68
|
|
150
|
|
218
|
|
33
|
Total loans
|
$
|
24,328
|
$
|
6,609
|
$
|
24,820
|
$
|
55,757
|
$
|
542,059
|
$
|
597,816
|
$
|
1,504
|
|
Summary Of Risk Category Of Loans Receivable |
As of December 31, 2012
(Dollars are in thousands)
|
|
Pass
|
|
Special
Mention
|
|
Substandard
|
|
Doubtful
|
|
Total
|
Real estate secured:
|
|
|
|
|
|
|
|
|
|
|
Commercial
|
$
|
117,945
|
$
|
5,782
|
$
|
26,120
|
$
|
88
|
$
|
149,935
|
Construction and land development
|
|
18,502
|
|
1,067
|
|
4,758
|
|
-
|
|
24,327
|
Residential 1-4 family
|
|
220,534
|
|
4,739
|
|
14,437
|
|
491
|
|
240,201
|
Multifamily
|
|
9,765
|
|
178
|
|
2,624
|
|
-
|
|
12,567
|
Farmland
|
|
21,560
|
|
1,247
|
|
10,261
|
|
-
|
|
33,068
|
Total real estate loans
|
|
388,306
|
|
13,013
|
|
58,200
|
|
579
|
|
460,098
|
Commercial
|
|
21,793
|
|
3,227
|
|
3,254
|
|
40
|
|
28,314
|
Agriculture
|
|
3,841
|
|
53
|
|
434
|
|
-
|
|
4,328
|
Consumer installment loans
|
|
29,159
|
|
21
|
|
261
|
|
4
|
|
29,445
|
All other loans
|
|
178
|
|
-
|
|
-
|
|
-
|
|
178
|
Total
|
$
|
443,277
|
$
|
16,314
|
$
|
62,149
|
$
|
623
|
$
|
522,363
|
As of December 31, 2011
(Dollars are in thousands)
|
|
Pass
|
|
Special
Mention
|
|
Substandard
|
|
Doubtful
|
|
Total
|
Real estate secured:
|
|
|
|
|
|
|
|
|
|
|
Commercial
|
$
|
112,694
|
$
|
18,377
|
$
|
39,573
|
$
|
145
|
$
|
170,789
|
Construction and land development
|
|
23,203
|
|
1,224
|
|
7,962
|
|
-
|
|
32,389
|
Residential 1-4 family
|
|
209,863
|
|
17,137
|
|
27,730
|
|
1,268
|
|
255,998
|
Multifamily
|
|
11,727
|
|
1,909
|
|
684
|
|
-
|
|
14,320
|
Farmland
|
|
21,715
|
|
4,957
|
|
13,022
|
|
412
|
|
40,106
|
Total real estate loans
|
|
379,202
|
|
43,604
|
|
88,971
|
|
1,825
|
|
513,602
|
Commercial
|
|
32,018
|
|
2,045
|
|
4,227
|
|
1,037
|
|
39,327
|
Agriculture
|
|
4,743
|
|
678
|
|
726
|
|
-
|
|
6,147
|
Consumer installment loans
|
|
36,107
|
|
900
|
|
1,484
|
|
31
|
|
38,522
|
All other loans
|
|
218
|
|
-
|
|
-
|
|
-
|
|
218
|
Total
|
$
|
452,288
|
$
|
47,227
|
$
|
95,408
|
$
|
2,893
|
$
|
597,816
|
|