Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 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 nine month period ended September 30, 2013 and September 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.

September 30, 2013
	Beginning									Ending
	Balance		Charge-Offs			Recoveries		Provision		Balance
Commercial and Agricultural
Commercial	$	981	$	(105	)	$	51	$	95	$	1,022
Agricultural		296		(27	)		4		24		297
Real Estate
Commercial Construction		1,890		(1,779	)		193		1,601		1,905
Residential Construction		138		--			--		--		138
Commercial		5,163		(1,865	)		293		1,677		5,268
Residential		3,406		(535	)		28		481		3,380
Farmland		291		(21	)		22		19		311
Consumer and Other
Consumer		228		(333	)		82		300		277
Other		344		(4	)		10		3		353
	$	12,737	$	(4,669	)	$	683	$	4,200	$	12,951

September 30, 2012
	Beginning									Ending
	Balance		Charge-Offs			Recoveries		Provision		Balance
Commercial and Agricultural
Commercial	$	1,071	$	(407	)	$	105	$	153	$	922
Agricultural		297		(3	)		--		--		294
Real Estate
Commercial Construction		3,123		(1,929	)		74		836		2,104
Residential Construction		138		--			--		--		138
Commercial		6,448		(4,273	)		217		4,165		6,557
Residential		3,695		(632	)		9		413		3,485
Farmland		365		(39	)		5		--		331
Consumer and Other
Consumer		205		(75	)		63		60		253
Other		308		(11	)		8		--		305
	$	15,650	$	(7,369	)	$	481	$	5,627	$	14,389

Allowance for loan losses, segregated by impairment methodology

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

September 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	$	108	$	914	$	1,022	$	1,555	$	47,607	$	49,162
Agricultural		--		297		297		--		17,613		17,613
Real Estate
Commercial Construction		573		1,332		1,905		7,702		37,248		44,950
Residential Construction		--		138		138		--		4,680		4,680
Commercial		1,559		3,709		5,268		22,729		312,715		335,444
Residential		774		2,606		3,380		6,949		200,809		207,758
Farmland		202		109		311		3,583		45,705		49,288
Consumer and Other
Consumer		--		277		277		--		26,235		26,235
Other		--		353		353		--		12,914		12,914
Total End of Period Balance	$	3,216	$	9,735	$	12,951	$	42,518	$	705,526	$	748,044

September 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	$	514	$	408	$	922	$	1,701	$	52,580	$	54,281
Agricultural		--		294		294		--		12,594		12,594
Real Estate
Commercial Construction		1,786		318		2,104		18,743		35,309		54,052
Residential Construction		--		138		138		--		6,038		6,038
Commercial		864		5,693		6,557		34,165		277,228		311,393
Residential		1,050		2,435		3,485		7,751		189,508		197,259
Farmland		--		331		331		2,277		47,201		49,478
Consumer and Other
Consumer		--		253		253		11		29,574		29,585
Other		--		305		305		--		11,842		11,842
Total End of Period Balance	$	4,214	$	10,175	$	14,389	$	64,648	$	661,874	$	726,522