Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2014

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 three month period ended March 31, 2014 and March 31, 2013.  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.

March 31, 2014
	Beginning									Ending
	Balance		Charge-Offs			Recoveries		Provision		Balance
Commercial and Agricultural
Commercial	$	1,017	$	(27	)	$	14	$	7	$	1,011
Agricultural		294		--			1		2		297
Real Estate
Commercial Construction		1,782		--			182		125		2,089
Residential Construction		138		--			--		--		138
Commercial		4,379		(236	)		6		131		4,280
Residential		3,278		(293	)		6		38		3,029
Farmland		312		--			--		1		313
Consumer and Other
Consumer		243		(102	)		25		23		189
Other		363		--			1		--		364
	$	11,806	$	(658	)	$	235	$	327	$	11,710

March 31, 2013
	Beginning									Ending
	Balance		Charge-Offs			Recoveries		Provision		Balance
Commercial and Agricultural
Commercial	$	981	$	(31	)	$	18	$	39	$	1,007
Agricultural		296		--			4		--		300
Real Estate
Commercial Construction		1,890		(692	)		80		511		1,789
Residential Construction		138		--			--		--		138
Commercial		5,163		(485	)		43		593		5,314
Residential		3,406		(187	)		5		228		3,452
Farmland		291		(1	)		11		1		302
Consumer and Other
Consumer		228		(101	)		32		123		282
Other		344		(4	)		1		5		346
	$	12,737	$	(1,501	)	$	194	$	1,500	$	12,930

Allowance for loan losses, segregated by impairment methodology

The following tables present breakdowns of the allowance for loan losses, segregated by impairment methodology for March 31, 2014 and 2013:

March 31, 2014
	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	$	423	$	588	$	1,011	$	1,469	$	42,510	$	43,979
Agricultural		--		297		297		--		12,654		12,654
Real Estate
Commercial Construction		1,548		541		2,089		7,683		46,925		54,608
Residential Construction		--		138		138		--		9,779		9,779
Commercial		407		3,873		4,280		26,192		311,643		337,835
Residential		289		2,740		3,029		4,412		197,747		202,159
Farmland		233		80		313		1,614		46,272		47,886
Consumer and Other
Consumer		--		189		189		--		23,693		23,693
Other		--		364		364		9		5,592		5,601
Total End of Period Balance	$	2,900	$	8,810	$	11,710	$	41,379	$	696,815	$	738,194

March 31, 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	$	456	$	551	$	1,007	$	1,554	$	51,352	$	52,906
Agricultural		--		300		300		--		7,856		7,856
Real Estate
Commercial Construction		1,493		296		1,789		9,442		42,652		52,094
Residential Construction		--		138		138		--		7,570		7,570
Commercial		1,426		3,888		5,314		25,175		303,677		328,852
Residential		1,118		2,334		3,452		7,173		197,485		204,658
Farmland		--		302		302		2,277		45,931		48,208
Consumer and Other
Consumer		--		282		282		--		28,379		28,379
Other		--		346		346		--		6,297		6,297
Total End of Period Balance	$	4,493	$	8,437	$	12,930	$	45,621	$	691,199	$	736,820