Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2015

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, 2015 and March 31, 2014.  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, 2015	Beginning Balance		Charge-Offs			Recoveries		Provision		Ending Balance
Commercial and Agricultural
Commercial	$	497	$	(184	)	$	13	$	8	$	334
Agricultural		304		-			1		2		307
Real Estate
Commercial Construction		1,223		(6	)		14		138		1,369
Residential Construction		138		-			-		-		138
Commercial		3,665		(125	)		88		144		3,772
Residential		2,425		(589	)		22		42		1,900
Farmland		104		-			-		2		106
Consumer and Other
Consumer		67		(36	)		13		26		70
Other		379		-			2		-		381
	$	8,802	$	(940	)	$	153	$	362	$	8,377

March 31, 2014
	Beginning Balance		Charge-Offs			Recoveries		Provision		Ending 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

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, 2015 and 2014:

March 31, 2015
	Ending Allowance Balance						Ending Loan Balance
	Individually Evaluated for Impairment		Collectively Evaluated for Impairment		Total		Individually Evaluated for Impairment		Collectively Evaluated for Impairment		Total
Commercial and Agricultural
Commercial	$	94	$	240	$	334	$	94	$	51,680	$	51,774
Agricultural		-		307		307		8		19,180		19,188
Real Estate
Commercial Construction		49		1,320		1,369		3,428		45,183		48,611
Residential Construction		-		138		138		-		10,030		10,030
Commercial		209		3,563		3,772		21,953		319,892		341,845
Residential		330		1,570		1,900		3,680		199,198		202,878
Farmland		53		53		106		1,699		49,873		51,572
Consumer and Other
Consumer		-		70		70		-		21,705		21,705
Other		-		381		381		-		6,031		6,031
Total End of Period Balance	$	735	$	7,642	$	8,377	$	30,862	$	722,772	$	753,634

March 31, 2014
	Ending Allowance Balance						Ending Loan Balance
	Individually Evaluated for Impairment		Collectively Evaluated for Impairment		Total		Individually Evaluated for Impairment		Collectively Evaluated for 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