Loans And Allowance For Loan Losses (Tables)

3 Months Ended

6 Months Ended

Jun. 30, 2011

Jun. 30, 2011

Loans And Allowance For Loan Losses

Classifications Of Loans

	June 30,				December 31,
	2011		2010		2010
Commercial, financial and agricultural	$	500,560	$	463,560	$	524,757
Real estate – construction		88,375		88,777		91,815
Real estate – mortgage		928,420		791,951		883,710
Consumer		202,060		175,384		190,064
Total Loans	$	1,719,415	$	1,519,672	$	1,690,346

Recorded Investment In Impaired Loans And The Related Valuation Allowance

June 30, 2011				June 30, 2010				December 31, 2010
Recorded Investment		Valuation Allowance		Recorded Investment		Valuation Allowance		Recorded Investment		Valuation Allowance
$	18,599	$	3,170	$	14,240	$	2,780	$	15,445	$	3,152

Schedule Of Non Accrual Loans

	June 30, 2011		December 31, 2010
Commercial	$	1,419	$	1,403
Agricultural		407		3,030
Real Estate		16,563		10,675
Consumer		210		337
Total	$	18,599	$	15,445

Schedule Of Impaired Loans And Related Allowance

June 30, 2011	Unpaid Contractual Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance		Average Recorded Investment
Commercial	$	1,679	$	26	$	1,394	$	1,419	$	688	$	1,513
Agricultural		481		12		394		407		190		829
Real Estate		19,314		3,597		12,965		16,563		2,227		17,974
Consumer		263		64		147		210		65		243
Total	$	21,737	$	3,699	$	14,900	$	18,599	$	3,170	$	20,559

December 31, 2010	Unpaid Contractual Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance		Average Recorded Investment
Commercial	$	1,625	$	434	$	969	$	1,403	$	471	$	1,622
Agricultural		3,048		405		2,625		3,030		695		3,922
Real Estate		12,518		1,224		9,451		10,675		1,881		11,276
Consumer		449		81		256		337		105		422
Total	$	17,640	$	2,144	$	13,301	$	15,445	$	3,152	$	17,242

Schedule Of Internal Ratings Of Loans

June 30, 2011	Pass		Special Mention		Substandard		Doubtful		Total
Commercial	$	417,357	$	9,185	$	12,834	$	101	$	439,477
Agricultural		57,080		961		3,026		16		61,083
Real Estate		952,275		17,088		47,358		74		1,016,795
Consumer		200,967		333		747		13		202,060
Total	$	1,627,679	$	27,567	$	63,965	$	204	$	1,719,415
December 31, 2010	Pass		Special Mention		Substandard		Doubtful		Total
Commercial	$	414,436	$	11,505	$	16,346	$	90	$	442,377
Agricultural		72,124		1,094		9,144		18		82,380
Real Estate		912,691		15,721		47,036		77		975,525
Consumer		188,325		197		1,510		32		190,064
Total	$	1,587,576	$	28,517	$	74,036	$	217	$	1,690,346

Schedule Of Past Due Loans

June 30, 2011	15-59 Days Past Due*		60-89 Days Past Due		Greater Than 90 Days		Total Past Due		Total Current		Total Loans		Total 90 Days Past Due Still Accruing
Commercial	$	2,911	$	46	$	504	$	3,461	$	436,016	$	439,477	$	—
Agricultural		116		12		—		128		60,955		61,083		—
Real Estate		10,658		2,180		2,013		14,851		1,001,944		1,016,795		—
Consumer		915		17		6		938		201,122		202,060		6
Total	$	14,600	$	2,255	$	2,523	$	19,378	$	1,700,037	$	1,719,415	$	6
December 31, 2010	15-59 Days Past Due*		60-89 Days Past Due		Greater Than 90 Days		Total Past Due		Total Current		Total Loans		Total 90 Days Past Due Still Accruing
Commercial	$	2,138	$	241	$	713	$	3,092	$	439,285	$	442,377	$	20
Agricultural		371		—		—		371		82,009		82,380		—
Real Estate		6,638		1,569		3,792		11,999		963,526		975,525		2,169
Consumer		1,048		180		25		1,253		188,811		190,064		7
Total	$	10,195	$	1,990	$	4,530	$	16,715	$	1,673,631	$	1,690,346	$	2,196

* The Company monitors commercial, agricultural and real estate loans after such loans are 15 days past due. Consumer loans are monitored after such loans are 30 days past due.

Adequacy Of The Allowance For Loan Losses By Estimating The Probable Losses In Various Categories Of The Loan Portfolio

	June 30,				December 31,
	2011		2010		2010
Allowance for loan losses provided for:
Loans specifically evaluated as impaired	$	3,170	$	2,780	$	3,152
Remaining portfolio		30,236		26,174		27,954
Total allowance for loan losses	$	33,406	$	28,954	$	31,106

Schedule Of Allowance For Loan Loss By Portfolio Segment

June 30, 2011	Commercial		Agricultural		Real Estate		Consumer		Total
Loans individually evaluated for impairment	$	3,635	$	925	$	7,744	$	249	$	12,553
Loans collectively evaluated for impairment		4,932		841		13,650		1,430		20,853
Total	$	8,567	$	1,766	$	21,394	$	1,679	$	33,406
December 31, 2010	Commercial		Agricultural		Real Estate		Consumer		Total
Loans individually evaluated for impairment	$	3,718	$	1,548	$	6,829	$	445	$	12,540
Loans collectively evaluated for impairment		4,027		751		12,272		1,516		18,566
Total	$	7,745	$	2,299	$	19,101	$	1,961	$	31,106

Changes In The Allowance For Loan Losses

	Commercial			Agricultural		Real Estate			Consumer			Total
Beginning balance	$	8,652		$	1,151	$	20,962		$	1,736		$	32,501
Provision for loan losses		(78	)		614		1,276			112			1,924
Recoveries		39			1		245			92			377
Charge-offs		(46	)		—		(1,089	)		(261	)		(1,396	)
Ending balance	$	8,567		$	1,766	$	21,394		$	1,679		$	33,406

	Commercial			Agricultural			Real Estate			Consumer			Total
Beginning balance	$	7,745		$	2,299		$	19,101		$	1,961		$	31,106
Provision for loan losses		796			(564	)		3,805			14			4,051
Recoveries		73			31			352			199			655
Charge-offs		(47	)		—			(1,864	)		(495	)		(2,406	)
Ending balance	$	8,567		$	1,766		$	21,394		$	1,679		$	33,406

Schedule Of Investment In Loans Related To Allowance For Loan Losses On The Basis Of Impairment Methodology

June 30, 2011	Commercial		Agricultural		Real Estate		Consumer		Total
Loans individually evaluated for impairment	$	22,120	$	4,003	$	64,520	$	1,093	$	91,736
Loans collectively evaluated for impairment		417,357		57,080		952,275		200,967		1,627,679
Total	$	439,477	$	61,083	$	1,016,795	$	202,060	$	1,719,415
December 31, 2010	Commercial		Agricultural		Real Estate		Consumer		Total
Loans individually evaluated for impairment	$	27,941	$	10,256	$	62,834	$	1,739	$	102,770
Loans collectively evaluated for impairment		414,436		72,124		912,691		188,325		1,587,576
Total	$	442,377	$	82,380	$	975,525	$	190,064	$	1,690,346