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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

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 

 

 

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 

 

 

353 

 

353 

 

308 

Consumer installment loans

 

69 

 

 

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 

 

 

521 

 

817 

 

-

Consumer installment loans

 

 

 

 

 

-

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 

 

 

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 

 

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 

 

 

-

 

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 

 

Consumer installment

  Loans

 

822 

 

133 

 

221 

 

1,176 

 

37,346 

 

38,522 

 

222 

All other loans

 

26 

 

 

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 

 

 

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