LOANS

12 Months Ended

Dec. 31, 2011

Notes to Financial Statements [Abstract]

LOANS

NOTE 3 - LOANS

 Total loans outstanding as of year-end consisted of the following:

	2011			2010
	(in thousands)
Commercial and industrial loans:
Working capital lines of credit loans	$	373,768		$	281,546
Non-working capital loans		377,388			384,138
Total commercial and industrial loans		751,156			665,684
Commercial real estate and multi-family residential loans:
Construction and land development loans		82,284			106,980
Owner occupied loans		346,669			329,760
Nonowner occupied loans		385,090			355,393
Multifamily loans		38,477			24,158
Total commercial real estate and multi-family residential loans		852,520			816,291
Agri-business and agricultural loans:
Loans secured by farmland		118,224			111,961
Loans for agricultural production		119,705			117,518
Total agri-business and agricultural loans		237,929			229,479
Other commercial loans		58,278			38,778
Total commercial loans		1,899,883			1,750,232
Consumer 1-4 family mortgage loans:
Closed end first mortgage loans		106,999			103,118
Open end and junior lien loans		175,694			182,325
Residential construction and land development loans		5,462			4,140
Total consumer 1-4 family mortgage loans		288,155			289,583
Other consumer loans		45,999			51,123
Total consumer loans		334,154			340,706
Subtotal		2,234,037			2,090,938
Less:  Allowance for loan losses		(53,400	)		(45,007	)
Net deferred loan fees		(328	)		(979	)
Loans, net	$	2,180,309		$	2,044,952