Loans And Allowance For Loan Losses (Tables)

9 Months Ended

Sep. 30, 2011

Loans And Allowance For Loan Losses [Abstract]

Classifications Of Loans

	September 30,				December 31,
	2011		2010		2010
Commercial, financial and agricultural	$	500,106	$	462,024	$	524,757
Real estate – construction		88,366		85,145		91,815
Real estate – mortgage		932,859		807,256		883,710
Consumer		207,501		183,283		190,064
Total Loans	$	1,728,832	$	1,537,708	$	1,690,346

Non-Accrual Loans, Loans Still Accruing And Past Due 90 Days Or More And Restructured Loans

	September 30,				December 31,
	2011		2010		2010
Non-accrual loans	$	17,598	$	14,110	$	15,445
Loans still accruing and past due 90 days or more		52		69		2,196
Restructured loans*		—		—		—
Total	$	17,650	$	14,179	$	17,641

* Restructured loans whose interest collection, after considering economic and business conditions and collection efforts, is doubtful are included in non-accrual loans.

Recorded Investment In Impaired Loans And The Related Valuation Allowance

September 30, 2011				September 30, 2010				December 31, 2010
Recorded Investment		Valuation Allowance		Recorded Investment		Valuation Allowance		Recorded Investment		Valuation Allowance
$	17,598	$	4,211	$	14,110	$	2,633	$	15,445	$	3,152

Schedule Of Non Accrual Loans

	September 30, 2011		December 31, 2010
Commercial	$	3,644	$	1,403
Agricultural		193		3,030
Real Estate		13,557		10,675
Consumer		204		337
Total	$	17,598	$	15,445

Schedule Of Impaired Loans And Related Allowance

September 30, 2011	Unpaid Contractual Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance		Average Recorded Investment
Commercial	$	3,961	$	56	$	3,588	$	3,644	$	1,530	$	3,844
Agricultural		227		3		190		193		68		243
Real Estate		15,371		281		13,276		13,557		2,549		14,417
Consumer		248		58		146		204		64		242
Total	$	19,807	$	398	$	17,200	$	17,598	$	4,211	$	18,746

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

September 30, 2011	Pass		Special Mention		Substandard		Doubtful		Total
Commercial	$	416,801	$	7,419	$	11,176	$	54	$	435,450
Agricultural		61,941		348		2,353		14		64,656
Real Estate		960,611		22,236		38,306		72		1,021,225
Consumer		206,487		283		718		13		207,501
Total	$	1,645,840	$	30,286	$	52,553	$	153	$	1,728,832

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

		$1,728,832		$1,728,832		$1,728,832		$1,728,832		$1,728,832		$1,728,832		$1,728,832
September 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	$	1,640	$	370	$	88	$	2,098	$	433,352	$	435,450	$	—
Agricultural		244		20		—		264		64,392		64,656		—
Real Estate		10,285		223		778		11,286		1,009,939		1,021,225		49
Consumer		1,354		97		21		1,472		206,029		207,501		3
Total	$	13,523	$	710	$	887	$	15,120	$	1,713,712	$	1,728,832	$	52

		$1,728,832		$1,728,832		$1,728,832		$1,728,832		$1,728,832		$1,728,832		$1,728,832
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

	September 30,				December 31,
	2011		2010		2010
Allowance for loan losses provided for:
Loans specifically evaluated as impaired	$	4,211	$	2,633	$	3,152
Remaining portfolio		30,090		27,380		27,954
Total allowance for loan losses	$	34,301	$	30,013	$	31,106

Schedule Of Allowance For Loan Loss By Portfolio Segment

September 30, 2011	Commercial		Agricultural		Real Estate		Consumer		Total
Loans individually evaluated for impairment	$	3,983	$	490	$	7,324	$	251	$	12,048
Loans collectively evaluated for impairment		4,975		727		15,151		1,400		22,253
Total	$	8,958	$	1,217	$	22,475	$	1,651	$	34,301

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	$	8,567		$	1,766		$	21,394		$	1,679		$	33,406
Provision for loan losses		580			(549	)		1,291			32			1,354
Recoveries		27			1			144			91			263
Charge-offs		(216	)		(1	)		(354	)		(151	)		(722	)
Ending balance	$	8,958		$	1,217		$	22,475		$	1,651		$	34,301

For the nine month period ended September 30, 2011:

	Commercial			Agricultural			Real Estate			Consumer			Total
Beginning balance	$	7,745		$	2,299		$	19,101		$	1,961		$	31,106
Provision for loan losses		1,376			(1,113	)		5,096			46			5,405
Recoveries		100			32			496			290			918
Charge-offs		(263	)		(1	)		(2,218	)		(646	)		(3,128	)
Ending balance	$	8,958		$	1,217		$	22,475		$	1,651		$	34,301

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

		$1,021,225		$1,021,225		$1,021,225		$1,021,225		$1,021,225
September 30, 2011	Commercial		Agricultural		Real Estate		Consumer		Total
Loans individually evaluated for impairment	$	18,649	$	2,715	$	60,614	$	1,014	$	82,992
Loans collectively evaluated for impairment		416,801		61,941		960,611		206,487		1,645,840
Total	$	435,450	$	64,656	$	1,021,225	$	207,501	$	1,728,832

		$1,021,225		$1,021,225		$1,021,225		$1,021,225		$1,021,225
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

Schedule Of Loans Modified And Considered As Troubled Debt Restructured Loans

	Three-months ended September 30, 2011						Nine-months ended September 30, 2011
	Number		Pre-Modification Recorded Investment		Post- Modification Recorded Investment		Number		Pre-Modification Recorded Investment		Post- Modification Recorded Investment
Commercial		2	$	82	$	82		2	$	82	$	82
Agricultural		—		—		—		2		2,479		2,479
Real Estate		1		1,386		1,386		5		1,569		1,569
Consumer		—		—		—		—		—		—
Total		3	$	1,468	$	1,468		9	$	4,130	$	4,130

Schedule Of How The Loans Were Modified As Troubled Debt Restructured Loans

	Three months ended September 30, 2011						Nine months ended September 30, 2011
	Adjusted Interest Rate		Extended Maturity		Combined Rate and Maturity		Adjusted Interest Rate		Extended Maturity		Combined Rate and Maturity
Commercial	$	—	$	82	$	—	$	—	$	82	$	—
Agricultural		—		—		—		—		2,479		—
Real Estate		—		1,386		—		—		1,468		101
Consumer		—		—		—		—		—		—
Total	$	—	$	1,468	$	—	$	—	$	4,029	$	101