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Loans (Tables)
12 Months Ended
Dec. 31, 2012
Loans [Abstract]  
Schedule of Loans Outstanding [Table Text Block]

 

 

 

 

 

 

 

 

 

 

 

 

(Dollars in thousands)

December 31, 2012

 

 

December 31, 2011

Residential Real Estate 1-4 Family

 

 

 

 

 

Consumer first liens

$

93,790 

 

$

86,767 

Consumer junior liens and lines of credit

 

35,494 

 

 

40,290 

Total consumer

 

129,284 

 

 

127,057 

 

 

 

 

 

 

Commercial first lien

 

60,809 

 

 

55,130 

Commercial junior liens and lines of credit

 

6,794 

 

 

7,846 

Total

 

67,603 

 

 

62,976 

Total residential real estate 1-4 family

 

196,887 

 

 

190,033 

 

 

 

 

 

 

Residential real estate - construction

 

 

 

 

 

Consumer purpose

 

3,255 

 

 

1,381 

Commercial purpose

 

12,177 

 

 

19,901 

Total residential real estate construction

 

15,432 

 

 

21,282 

 

 

 

 

 

 

Commercial, industrial and agricultural real estate

 

363,874 

 

 

358,974 

Commercial, industrial and agricultural

 

166,734 

 

 

182,694 

Consumer

 

10,652 

 

 

13,427 

 

 

753,579 

 

 

766,410 

Less: Allowance for loan losses

 

(10,379)

 

 

(9,723)

Net Loans

$

743,200 

 

$

756,687 

 

 

 

 

 

 

Included in the loan balances are the following:

 

 

 

 

 

Net unamortized deferred loan costs

$

456 

 

$

426 

Unamortized discount on purchased loans

$

(129)

 

$

(167)

 

 

 

 

 

 

Loans pledged as collateral for borrowings and commitments from:

 

 

 

 

 

FHLB

$

657,684 

 

$

679,272 

Federal Reserve Bank

 

54,194 

 

 

27,435 

 

$

711,878 

 

$

706,707 

 

Schedule of Loans to Related Parties [Table Text Block]

 

 

 

 

 

 

 

 

 

 

 

 

(Dollars in thousands)

2012

 

2011

Balance at beginning of year

$

10,871 

 

$

8,072 

New loans made

 

8,358 

 

 

3,854 

Repayments

 

(2,304)

 

 

(1,055)

Balance at end of year

$

16,925 

 

$

10,871