Loans (Tables)

9 Months Ended

Sep. 30, 2012

Loans [Abstract]

Schedule of net loans

	September 30, 2012			December 31, 2011
Commercial, industrial, and agricultural	$	259,906		$	253,324
Commercial mortgages		257,031			242,511
Residential real estate		335,796			298,628
Consumer		55,979			53,471
Credit cards		4,572			4,412
Overdrafts		330			423
Less:     unearned discount		(3,397	)		(2,886	)
allowance for loan losses		(13,649	)		(12,615	)
Loans, net	$	896,568		$	837,268

Allowance for loan losses

	Commercial, Industrial, and Agricultural			Commercial Mortgages			Residential Real Estate			Consumer			Credit Cards			Overdrafts			Total
Allowance for loan losses, July 1, 2012	$	5,115		$	4,553		$	2,225		$	1,568		$	81		$	148		$	13,690
Charge-offs		(751	)		(165	)		(7	)		(252	)		(22	)		(80	)		(1,277	)
Recoveries		6			0			1			18			1			22			48
Provision (benefit) for loan losses		103			504			113			372			19			77			1,188
Allowance for loan losses, September 30, 2012	$	4,473		$	4,892		$	2,332		$	1,706		$	79		$	167		$	13,649

	Commercial, Industrial, and Agricultural			Commercial Mortgages			Residential Real Estate			Consumer			Credit Cards			Overdrafts			Total
Allowance for loan losses, January 1, 2012	$	4,511		$	4,470		$	1,991		$	1,404		$	71		$	168		$	12,615
Charge-offs		(1,398	)		(401	)		(231	)		(890	)		(55	)		(197	)		(3,172	)
Recoveries		14			0			1			67			8			78			168
Provision for loan losses		1,346			823			571			1,125			55			118			4,038
Allowance for loan losses, September 30, 2012	$	4,473		$	4,892		$	2,332		$	1,706		$	79		$	167		$	13,649

	Commercial, Industrial, and Agricultural			Commercial Mortgages			Residential Real Estate			Consumer			Credit Cards			Overdrafts			Total
Allowance for loan losses, July 1, 2011	$	3,770		$	4,399		$	1,900		$	1,400		$	104		$	142		$	11,715
Charge-offs		(84	)		(12	)		(55	)		(221	)		(12	)		(50	)		(434	)
Recoveries		3			—			12			31			3			18			67
Provision (benefit) for loan losses		33			467			154			202			2			46			904
Allowance for loan losses, September 30, 2011	$	3,722		$	4,854		$	2,011		$	1,412		$	97		$	156		$	12,252

	Commercial, Industrial, and Agricultural			Commercial Mortgages			Residential Real Estate			Consumer			Credit Cards			Overdrafts			Total
Allowance for loan losses, January 1, 2011	$	3,517		$	3,511		$	1,916		$	1,561		$	96		$	219		$	10,820
Charge-offs		(299	)		(100	)		(132	)		(683	)		(37	)		(165	)		(1,416	)
Recoveries		7			—			12			76			8			72			175
Provision (benefit) for loan losses		497			1,443			215			458			30			30			2,673
Allowance for loan losses, September 30, 2011	$	3,722		$	4,854		$	2,011		$	1,412		$	97		$	156		$	12,252

Loans individually evaluated for impairment by portfolio segment

September 30, 2012

	Commercial, Industrial, and Agricultural		Commercial Mortgages		Residential Real Estate		Consumer		Credit Cards		Overdrafts		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	498	$	229	$	68	$	0	$	0	$	0	$	795
Collectively evaluated for impairment		3,975		3,392		2,264		1,706		79		167		11,583
Modified in a troubled debt restructuring		0		1,271		0		0		0		0		1,271
Total ending allowance balance	$	4,473	$	4,892	$	2,332	$	1,706	$	79	$	167	$	13,649
Loans:
Loans individually evaluated for impairment	$	6,927	$	7,698	$	624	$	0	$	0	$	0	$	15,249
Loans collectively evaluated for impairment		252,694		239,235		335,172		55,979		4,572		330		887,982
Loans modified in a troubled debt restructuring		285		10,098		0		0		0		0		10,383
Total ending loans balance	$	259,906	$	257,031	$	335,796	$	55,979	$	4,572	$	330	$	913,614

December 31, 2011

	Commercial, Industrial, and Agricultural		Commercial Mortgages		Residential Real Estate		Consumer		Credit Cards		Overdrafts		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	329	$	917	$	19	$	0	$	0	$	0	$	1,265
Collectively evaluated for impairment		4,182		3,325		1,972		1,404		71		168		11,122
Modified in a troubled debt restructuring		0		228		0		0		0		0		228
Total ending allowance balance	$	4,511	$	4,470	$	1,991	$	1,404	$	71	$	168	$	12,615
Loans:
Loans individually evaluated for impairment	$	6,115	$	8,457	$	124	$	0	$	0	$	0	$	14,696
Loans collectively evaluated for impairment		247,209		226,366		298,504		53,471		4,412		423		830,385
Loans modified in a troubled debt restructuring		0		7,688		0		0		0		0		7,688
Total ending loans balance	$	253,324	$	242,511	$	298,628	$	53,471	$	4,412	$	423	$	852,769

September 30, 2012

	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial, industrial, and agricultural	$	6,616	$	3,752	$	498
Commercial mortgage		6,614		6,063		1,500
Residential real estate		551		459		68
With no related allowance recorded:
Commercial, industrial, and agricultural		4,217		3,460		0
Commercial mortgage		13,511		11,733		0
Residential real estate		183		165		0
Total	$	31,692	$	25,632	$	2,066

December 31, 2011

	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial, industrial, and agricultural	$	4,329	$	2,815	$	462
Commercial mortgage		4,724		4,065		1,012
Residential real estate		187		124		19
With no related allowance recorded:
Commercial, industrial, and agricultural		3,892		3,300		0
Commercial mortgage		13,839		12,080		0
Residential real estate		0		0		0
Total	$	26,971	$	22,384	$	1,493

	Three Months Ended September 30, 2012						Nine Months Ended September 30, 2012
	Average Recorded Investment		Interest Income Recognized		Cash Basis Interest Recognized		Average Recorded Investment		Interest Income Recognized		Cash Basis Interest Recognized
With an allowance recorded:
Commercial, industrial, and agricultural	$	4,140	$	0	$	0	$	3,406	$	3	$	3
Commercial mortgage		6,180		3		3		5,549		3		3
Residential real estate		476		3		3		322		11		11
With no related allowance recorded:
Commercial, industrial, and agricultural		3,506		0		0		3,459		0		0
Commercial mortgage		11,971		0		0		12,016		0		0
Residential real estate		151		0		0		75		0		0
Total	$	26,424	$	6	$	6	$	24,827	$	17	$	17

	Three Months Ended September 30, 2011						Nine Months Ended September 30, 2011
	Average		Interest		Cash Basis		Average		Interest		Cash Basis
	Recorded		Income		Interest		Recorded		Income		Interest
	Investment		Recognized		Recognized		Investment		Recognized		Recognized
With an allowance recorded:
Commercial, industrial, and agricultural	$	1,097	$	0	$	0	$	1,330	$	0	$	0
Commercial mortgage		6,554		0		0		8,050		16		16
Residential real estate		175		3		3		193		3		3
With no related allowance recorded:
Commercial, industrial, and agricultural		1,525		0		0		1,738		0		0
Commercial mortgage		7,831		0		0		4,275		0		0
Residential real estate		0		0		0		0		0		0
Total	$	17,182	$	3	$	3	$	15,586	$	19	$	19

Nonaccrual loans and loans past due over 90 days still accruing interest by class of loans

	September 30, 2012				December 31, 2011
	Nonaccrual		Past Due Over 90 Days Still on Accrual		Nonaccrual		Past Due Over 90 Days Still on Accrual
Commercial, industrial, and agricultural	$	6,669	$	47	$	6,949	$	10
Commercial mortgages		9,353		0		8,359		122
Residential real estate		2,532		136		1,254		157
Consumer		3		250		5		125
Credit cards		0		21		0		27
Total	$	18,557	$	454	$	16,567	$	441

Aging of the recorded investment in past due loans

September 30, 2012

	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days Past Due		Total Past Due		Loans Not Past Due		Total
Commercial, industrial, and agricultural	$	396	$	87	$	6,716	$	7,199	$	252,707	$	259,906
Commercial mortgages		2,093		1,681		7,693		11,467		245,564		257,031
Residential real estate		1,299		383		2,668		4,350		331,446		335,796
Consumer		576		234		253		1,063		54,916		55,979
Credit cards		17		21		21		59		4,513		4,572
Overdrafts		0		0		0		0		330		330
Total	$	4,381	$	2,406	$	17,351	$	24,138	$	889,476	$	913,614

December 31, 2011

	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days Past Due		Total Past Due		Loans Not Past Due		Total
Commercial, industrial, and agricultural	$	239	$	53	$	6,959	$	7,251	$	246,073	$	253,324
Commercial mortgages		1,064		2,620		7,043		10,727		231,784		242,511
Residential real estate		1,816		682		1,411		3,909		294,719		298,628
Consumer		392		185		130		707		52,764		53,471
Credit cards		34		19		27		80		4,332		4,412
Overdrafts		0		0		0		0		423		423
Total	$	3,545	$	3,559	$	15,570	$	22,674	$	830,095	$	852,769

Schedule of loan assigned a risk rating within 12 months of the balance sheet date

September 30, 2012

	Pass		Special Mention		Substandard		Doubtful		Total
Commercial, industrial, and agricultural	$	239,052	$	1,624	$	19,067	$	163	$	259,906
Commercial mortgages		232,522		2,844		20,959		706		257,031
Total	$	471,574	$	4,468	$	40,026	$	869	$	516,937

December 31, 2011

	Pass		Special Mention		Substandard		Doubtful		Total
Commercial, industrial, and agricultural	$	223,457	$	4,176	$	25,490	$	201	$	253,324
Commercial mortgages		214,098		3,172		24,513		728		242,511
Total	$	437,555	$	7,348	$	50,003	$	929	$	495,835

Summary of holiday's loan portfolio

	September 30, 2012			December 31, 2011
Consumer	$	21,031		$	18,176
Residential real estate		987			1,056
Less: unearned discount		(3,397	)		(2,886	)
Total	$	18,621		$	16,346

Recorded investment in residential and consumer loan based on payment activity

	September 30, 2012						December 31, 2011
	Residential Real Estate		Consumer		Credit Cards		Residential Real Estate		Consumer		Credit Cards
Performing	$	333,128	$	55,726	$	4,551	$	297,217	$	53,341	$	4,385
Non-performing		2,668		253		21		1,411		130		27
Total	$	335,796	$	55,979	$	4,572	$	298,628	$	53,471	$	4,412