Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2013

Allowance for Loan Losses [Abstract]

Allowance for loan losses

The following tables detail activity in the allowance for loan losses, segregated by class of loan, for the six month period ended June 30, 2013 and June 30, 2012.  Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other loan categories and periodically may result in reallocation within the provision categories.

June 30, 2013
	Beginning									Ending
	Balance		Charge-Offs			Recoveries		Provision		Balance
Commercial and Agricultural
Commercial	$	981	$	(45	)	$	38	$	43	$	1,017
Agricultural		296		(27	)		4		26		299
Real Estate
Commercial Construction		1,890		(791	)		120		756		1,975
Residential Construction		138		--			--		--		138
Commercial		5,163		(1,425	)		85		1,361		5,184
Residential		3,406		(279	)		18		267		3,412
Farmland		291		(21	)		16		20		306
Consumer and Other
Consumer		228		(233	)		55		223		273
Other		344		(4	)		9		4		353
	$	12,737	$	(2,825	)	$	345	$	2,700	$	12,957

June 30, 2012
	Beginning									Ending
	Balance		Charge-Offs			Recoveries		Provision		Balance
Commercial and Agricultural
Commercial	$	1,071	$	(230	)	$	96	$	105	$	1,042
Agricultural		297		--			--		--		297
Real Estate
Commercial Construction		3,123		(474	)		35		578		3,262
Residential Construction		138		--			--		--		138
Commercial		6,448		(3,397	)		18		2,876		5,945
Residential		3,695		(275	)		5		285		3,710
Farmland		365		(39	)		5		--		331
Consumer and Other
Consumer		205		(41	)		48		41		253
Other		308		--			7		--		315
	$	15,650	$	(4,456	)	$	214	$	3,885	$	15,293

Allowance for loan losses, segregated by impairment methodology

The following tables present breakdowns of the allowance for loan losses, segregated by impairment methodology for June 30, 2013 and 2012:

June 30, 2013
	Ending Allowance Balance						Ending Loan Balance
	Individually		Collectively				Individually		Collectively
	Evaluated for		Evaluated for				Evaluated for		Evaluated for
	Impairment		Impairment		Total		Impairment		Impairment		Total
Commercial and Agricultural
Commercial	$	551	$	466	$	1,017	$	2,388	$	48,770	$	51,158
Agricultural		--		299		299		--		14,177		14,177
Real Estate
Commercial Construction		1,580		395		1,975		10,007		42,692		52,699
Residential Construction		--		138		138		--		8,189		8,189
Commercial		1,080		4,104		5,184		23,144		302,173		325,317
Residential		982		2,430		3,412		6,591		201,971		208,562
Farmland		--		306		306		2,277		47,521		49,798
Consumer and Other
Consumer		--		273		273		--		27,439		27,439
Other		--		353		353		--		6,804		6,804
Total End of Period Balance	$	4,193	$	8,764	$	12,957	$	44,407	$	699,736	$	744,143

June 30, 2012
	Ending Allowance Balance						Ending Loan Balance
	Individually		Collectively				Individually		Collectively
	Evaluated for		Evaluated for				Evaluated for		Evaluated for
	Impairment		Impairment		Total		Impairment		Impairment		Total
Commercial and Agricultural
Commercial	$	300	$	742	$	1,042	$	1,721	$	53,553	$	55,274
Agricultural		--		297		297		--		11,284		11,284
Real Estate
Commercial Construction		2,111		1,151		3,262		22,595		33,773		56,368
Residential Construction		--		138		138		--		4,169		4,169
Commercial		1,462		4,483		5,945		33,395		275,541		308,936
Residential		868		2,842		3,710		5,951		187,239		193,190
Farmland		--		331		331		2,277		46,471		48,748
Consumer and Other
Consumer		--		253		253		20		29,632		29,652
Other		--		315		315		--		8,740		8,740
Total End of Period Balance	$	4,741	$	10,552	$	15,293	$	65,959	$	650,402	$	716,361