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Loans:
 6 Months Ended
Jun. 30, 2011
Loans: [Abstract]  
Loans:
Loans:
Loan balances were as follows:
                 
    June 30,     December 31,  
(In Thousands of Dollars)   2011     2010  
Commercial real estate
               
Owner occupied
  $ 105,743     $ 111,261  
Non-owner occupied
    74,464       76,592  
Other
    15,696       16,582  
Commercial
    74,800       76,635  
Residential real estate
               
1-4 family residential
    147,318       154,132  
Home equity lines of credit
    22,658       23,624  
Consumer
               
Indirect
    113,386       116,999  
Direct
    11,507       11,302  
Other
    1,464       1,485  
 
           
Subtotal
    567,036       588,612  
Net deferred loan (fees) costs
    1,668       1,755  
Allowance for loan losses
    (10,876 )     (9,307 )
 
           
Net loans
  $ 557,828     $ 581,060  
 
           
The following tables present the activity in the allowance for loan losses by portfolio segment for the three and six months ending June 30, 2011.
Three Months Ended June 30, 2011
                                                 
    Commercial             Residential                    
(In Thousands of Dollars)   Real Estate     Commercial     Real Estate     Consumer     Unallocated     Total  
Allowance for loan losses
                                               
Beginning balance, April 1, 2011
  $ 6,020     $ 1,878     $ 1,261     $ 842     $ 136     $ 10,137  
Provision for loan losses
    582       51       34       272       136       1,075  
Recoveries
    6       12       402       279       —       699  
Loans charged off
    (555 )     (55 )     (155 )     (270 )     —       (1,035 )
 
                                   
Ending balance, June 30, 2011
  $ 6,053     $ 1,886     $ 1,542     $ 1,123     $ 272     $ 10,876  
 
                                   
Six Months Ended June 30, 2011
                                                 
    Commercial             Residential                    
(In Thousands of Dollars)   Real Estate     Commercial     Real Estate     Consumer     Unallocated     Total  
Allowance for loan losses
                                               
Beginning balance, January 1, 2011
  $ 5,780     $ 1,707     $ 881     $ 875     $ 64     $ 9,307  
Provision for loan losses
    905       334       1,154       349       208       2,950  
Recoveries
    8       34       403       468       —       913  
Loans charged off
    (640 )     (189 )     (896 )     (569 )     —       (2,294 )
 
                                   
Ending balance, June 30, 2011
  $ 6,053     $ 1,886     $ 1,542     $ 1,123     $ 272     $ 10,876  
 
                                   
The following table presents the activity in the allowance for loan losses for the three and six months ending June 30, 2010.
                 
    Three Months Ended     Six Months Ended  
(In Thousands of Dollars)   June 30, 2010     June 30, 2010  
Allowance for loan losses
               
Beginning balance
  $ 8,220     $ 7,400  
Provision for loan losses
    1,600       4,378  
Recoveries
    125       272  
Loans charged off
    (1,690 )     (3,795 )
 
           
Ending balance
  $ 8,255     $ 8,225  
 
           
The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of June 30, 2011 and December 31, 2010. The recorded investment in loans includes the unpaid principal balance and unamortized loan origination fees and costs but excludes accrued interest receivable, which is not considered to be material:
June 30, 2011
                                                 
    Commercial             Residential                    
(In Thousands of Dollars)   Real Estate     Commercial     Real Estate     Consumer     Unallocated     Total  
Ending allowance balance attributable to loans:
                                               
Individually evaluated for impairment
  $ 348     $ 252     $ —     $ —     $ —     $ 600  
Collectively evaluated for impairment
    5,705       1,634       1,542       1,123       272       10,276  
 
                                   
Total ending allowance balance
  $ 6,053     $ 1,886     $ 1,542     $ 1,123     $ 272     $ 10,876  
 
                                   
 
Loans:
                                               
Loans individually evaluated for impairment
  $ 5,152     $ 1,049     $ —     $ —     $ —     $ 6,201  
Loans collectively evaluated for impairment
    190,226       73,751       169,303       129,223       —       562,503  
 
                                   
Total ending loans balance
  $ 195,378     $ 74,800     $ 169,303     $ 129,223     $ —     $ 568,704  
 
                                   
December 31, 2010
                                                 
    Commercial             Residential                    
(In Thousands of Dollars)   Real Estate     Commercial     Real Estate     Consumer     Unallocated     Total  
Ending allowance balance attributable to loans:
                                               
Individually evaluated for impairment
  $ 572     $ 33     $ —     $ —     $ —     $ 605  
Collectively evaluated for impairment
    5,208       1,674       881       875       64       8,702  
 
                                   
Total ending allowance balance
  $ 5,780     $ 1,707     $ 881     $ 875     $ 64     $ 9,307  
 
                                   
 
                                               
Loans:
                                               
Loans individually evaluated for impairment
  $ 6,045     $ 1,015     $ —     $ —     $ —     $ 7,060  
Loans collectively evaluated for impairment
    197,849       75,620       177,067       132,771       —       583,307  
 
                                   
Total ending loans balance
  $ 203,894     $ 76,635     $ 177,067     $ 132,771     $ —     $ 590,367  
 
                                   
Interest income recognized during impairment for the three and six months ending June 30, 2011 and June 30, 2010 was immaterial.
The following tables present loans individually evaluated for impairment by class of loans as of June 30, 2011 and December 31, 2010 and the average recorded investment by class for the six months ended June 30, 2011:
(In Thousands of Dollars)
                                         
                                    Three  
                            Six Months     Months  
                    Allowance     Ended     Ended  
    Unpaid             for Loan     Average     Average  
    Principal     Recorded     Losses     Recorded     Recorded  
June 30, 2011   Balance     Investment     Allocated     Investment     Investment  
With no related allowance recorded:
                                       
Commercial real estate
                                       
Owner occupied
  $ 1,203     $ 1,208     $ —     $ 1,236     $ 1,211  
Non-owner occupied
    —       —       —       —       —  
Other
    —       —       —       —       —  
Commercial
    641       641       —       671       655  
Residential real estate
                                       
1-4 family residential
    —       —       —       —       —  
Home equity lines of credit
    —       —       —       —       —  
Consumer
                                       
Indirect
    —       —       —       —       —  
Direct
    —       —       —       —       —  
Other
    —       —       —       —       —  
With an allowance recorded:
                                       
Commercial real estate
                                       
Owner occupied
    2,286       2,288       99       2,405       2,375  
Non-owner occupied
    823       825       143       894       833  
Other
    830       831       106       812       802  
Commercial
    405       408       252       459       445  
Residential real estate
                                       
1-4 family residential
    —       —       —       —       —  
Home equity lines of credit
    —       —       —       —       —  
Consumer
                                       
Indirect
    —       —       —       —       —  
Direct
    —       —       —       —       —  
Other
    —       —       —       —       —  
 
                             
Total
  $ 6,188     $ 6,201     $ 600     $ 6,477     $ 6,321  
 
                             
(In Thousands of Dollars)
                         
                    Allowance for  
    Unpaid Principal     Recorded     Loan Losses  
December 31, 2010   Balance     Investment     Allocated  
With no related allowance recorded:
                       
Commercial real estate
                       
Owner occupied
  $ 821     $ 818     $ —  
Non-owner occupied
    466       465       —  
Other
    365       364       —  
Commercial
    800       798       —  
Residential real estate
                       
1-4 family residential
    —       —       —  
Home equity lines of credit
    —       —       —  
Consumer
                       
Indirect
    —       —       —  
Direct
    —       —       —  
Other
    —       —       —  
With an allowance recorded:
                       
Commercial real estate
                       
Owner occupied
    3,147       3,141       134  
Non-owner occupied
    167       167       3  
Other
    1,097       1,090       435  
Commercial
    219       217       33  
Residential real estate
                       
1-4 family residential
    —       —       —  
Home equity lines of credit
    —       —       —  
Consumer
                       
Indirect
    —       —       —  
Direct
    —       —       —  
Other
    —       —       —  
 
                 
Total
  $ 7,082     $ 7,060     $ 605  
 
                 
The following table presents the recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans as of June 30, 2011 and December 31, 2010:
                                 
    June 30, 2011     December 31, 2010  
            Loans Past             Loans Past  
            Due over 90             Due over 90  
            Days Still             Days Still  
(In Thousands of Dollars)   Nonaccrual     Accruing     Nonaccrual     Accruing  
Commercial real estate
                               
Owner occupied
  $ 1,365     $ —     $ 1,960     $ —  
Non-owner occupied
    421       —       550       —  
Other
    885       —       1,462       —  
Commercial
    408       —       400       —  
Residential real estate
                               
1-4 family residential
    3,726       29       3,362       190  
Home equity lines of credit
    931       20       815       10  
Consumer
                               
Indirect
    14       51       27       53  
Direct
    —       38       —       48  
Other
    —       —       —       24  
 
                       
Total
  $ 7,750     $ 138     $ 8,576     $ 325  
 
                       
Nonaccrual loans and loans past due 90 days still on accrual included both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans.
The following table presents the aging of the recorded investment in past due loans as of June 30, 2011 and December 31, 2010 by class of loans:
June 30, 2011
                                                 
                    Greater                    
    30-59     60-89     than 90                    
    Days Past     Days Past     Days Past     Total Past     Loans Not        
(In Thousands of Dollars)   Due     Due     Due     Due     Past Due     Total  
Commercial real estate
                                               
Owner occupied
  $ 114     $ —     $ 1,365     $ 1,479     $ 103,980     $ 105,459  
Non-owner occupied
    15       —       421       436       73,828       74,264  
Other
    —       —       885       885       14,770       15,655  
Commercial
    261       35       408       704       74,096       74,800  
Residential real estate
                                               
1-4 family residential
    1,209       185       3,755       5,149       141,497       146,646  
Home equity lines of credit
    111       147       951       1,209       21,449       22,658  
Consumer
                                               
Indirect
    1,221       352       65       1,638       114,613       116,251  
Direct
    113       18       38       169       11,338       11,507  
Other
    12       1       —       13       1,451       1,464  
 
                                   
Total
  $ 3,056     $ 738     $ 7,888     $ 11,682     $ 557,022     $ 568,704  
 
                                   
December 31, 2010
                                                 
                    Greater                    
    30-59     60-89     than 90                    
    Days Past     Days Past     Days Past     Total Past     Loans Not        
(In Thousands of Dollars)   Due     Due     Due     Due     Past Due     Total  
Commercial real estate
                                               
Owner occupied
  $ 407     $ 91     $ 1,960     $ 2,458     $ 108,509     $ 110,967  
Non-owner occupied
    499       59       550       1,108       75,281       76,389  
Other
    —       —       1,462       1,462       15,076       16,538  
Commercial
    286       275       400       961       75,674       76,635  
Residential real estate
                                               
1-4 family residential
    2,981       435       3,552       6,968       146,475       153,443  
Home equity lines of credit
    334       16       825       1,175       22,449       23,624  
Consumer
                                               
Indirect
    1,668       519       80       2,267       117,716       119,983  
Direct
    253       91       48       392       10,911       11,303  
Other
    9       1       24       34       1,451       1,485  
 
                                   
Total
  $ 6,437     $ 1,487     $ 8,901     $ 16,825     $ 573,542     $ 590,367