Credit Quality Indicators (Tables)

6 Months Ended

Jun. 30, 2014

Risk Category of Loans by Class of Loans

As of June 30, 2014 and December 31, 2013, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:

(In Thousands of Dollars)	Pass		Special Mention		Sub- standard		Doubtful		Not Rated		Total
June 30, 2014
Commercial real estate
Owner occupied	$	67,606	$	6,890	$	5,240	$	0	$	0	$	79,736
Non-owner occupied		106,879		7,126		2,780		0		0		116,785
Other		22,444		0		331		0		0		22,775
Commercial		104,863		1,867		3,433		0		0		110,163
Total	$	301,792	$	15,883	$	11,784	$	0	$	0	$	329,459

(In Thousands of Dollars)	Pass		Special Mention		Sub- standard		Doubtful		Not Rated		Total
December 31, 2013
Commercial real estate
Owner occupied	$	72,398	$	7,312	$	6,209	$	0	$	0	$	85,919
Non-owner occupied		96,065		7,877		3,225		0		0		107,167
Other		23,935		0		341		0		0		24,276
Commercial		99,022		2,313		3,688		0		0		105,023
Total	$	291,420	$	17,502	$	13,463	$	0	$	0	$	322,385

Investment in Residential, Consumer and Indirect Auto Loans Based on Payment Activity

The following table presents the recorded investment in residential, consumer indirect and direct auto loans based on payment activity as of June 30, 2014 and December 31, 2013. Nonperforming loans are loans past due 90 days or more and still accruing interest and nonaccrual loans.

	Residential Real Estate				Consumer
(In Thousands of Dollars)	1-4 Family Residential		Home Equity Lines of Credit		Indirect		Direct		Other
June 30, 2014
Performing	$	142,382	$	26,272	$	123,587	$	9,213	$	3,033
Nonperforming		3,018		475		288		45		2
Total	$	145,400	$	26,747	$	123,875	$	9,258	$	3,035

	Residential Real Estate				Consumer
(In Thousands of Dollars)	1-4 Family Residential		Home Equity Lines of Credit		Indirect		Direct		Other
December 31, 2013
Performing	$	140,593	$	26,168	$	124,478	$	10,179	$	3,021
Nonperforming		3,110		280		402		58		10
Total	$	143,703	$	26,448	$	124,880	$	10,237	$	3,031

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