Loans (Tables)

9 Months Ended

Sep. 30, 2013

Loans [Abstract]

Summary Of Loans Outstanding

						Change
(Dollars in thousands)	September 30, 2013			December 31, 2012		Amount	%
Residential Real Estate 1-4 Family
Consumer first liens	$	103,388	$	93,790	$	9,598	10.2
Consumer junior liens and lines of credit		33,750		35,494		(1,744)	(4.9)
Total consumer		137,138		129,284		7,854	6.1
Commercial first lien		57,882		60,809		(2,927)	(4.8)
Commercial junior liens and lines of credit		6,176		6,794		(618)	(9.1)
Total		64,058		67,603		(3,545)	(5.2)
Total residential real estate 1-4 family		201,196		196,887		4,309	2.2
Residential real estate - construction
Consumer purpose		2,795		3,255		(460)	(14.1)
Commercial purpose		7,986		12,177		(4,191)	(34.4)
Total residential real estate construction		10,781		15,432		(4,651)	(30.1)
Commercial, industrial and agricultural real estate		348,721		363,874		(15,153)	(4.2)
Commercial, industrial and agricultural		150,323		166,734		(16,411)	(9.8)
Total commercial, industrial and agricultural		499,044		530,608		(31,564)	(5.9)
Consumer		9,130		10,652		(1,522)	(14.3)
		720,151		753,579		(33,428)	(4.4)
Less: Allowance for loan losses		(11,376)		(10,379)		(997)	9.6
Net Loans	$	708,775	$	743,200	$	(34,425)	(4.6)
Included in the loan balances are the following:
Net unamortized deferred loan costs	$	367	$	456
Unamortized discount on purchased loans	$	(106)	$	(129)
Loans pledged as collateral for borrowings and commitments from:
FHLB	$	592,392	$	657,684
Federal Reserve Bank		71,128		112,613
	$	663,520	$	770,297