Loans And Allowance For Loan Losses (Tables)

6 Months Ended

Jun. 30, 2012

Loans And Allowance For Loan Losses [Abstract]

Summary Of Composition Of Loan Portfolio

	June 30, 2012			December 31, 2011
Commercial real estate mortgages	$	302,066		$	285,484
Commercial and industrial		69,999			62,450
Commercial construction and land development		25,106			30,060
Agricultural and other loans to farmers		26,206			26,580
Total commercial loans		423,377			404,574
Residential real estate mortgages		267,921			239,799
Home equity loans		52,104			51,462
Other consumer loans		19,988			22,906
Total consumer loans		340,013			314,167
Tax exempt loans		13,035			9,700
Deferred origination costs, net		506			562
Total loans		776,931			729,003
Allowance for loan losses		(8,354	)		(8,221	)
Total loans net of allowance for loan losses	$	768,577		$	720,782

Summary Of Non-Performing Loans

TOTAL NON-PERFORMING LOANS
		June 30,			December 31,
		2012			2011
Commercial real estate mortgages	$	2,588		$	2,676
Commercial and industrial loans		636			1,078
Commercial construction and land development		3,753			3,753
Agricultural and other loans to farmers		680			595
Total commercial loans		7,657			8,102
Residential real estate mortgages		2,740			4,266
Home equity loans		252			266
Other consumer loans		80			273
Total consumer loans		3,072			4,805
Total non-accrual loans		10,729			12,907
Accruing loans contractually past due 90 days or more		207			---
Total non-performing loans	$	10,936		$	12,907
Allowance for loan losses to non-performing loans		76	%		64	%
Non-performing loans to total loans		1.41	%		1.77	%
Allowance to total loans		1.08	%		1.13	%

Summary Of Troubled Debt Restructures

	For the Three Months Ended June 30,					For the Six Months Ended June 30,
	2012					2012
	Number of Loans	Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment		Number of Loans	Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment
Commercial and industrial loans	2	$	72	$	72	2	$	72	$	72
Total commercial loans	2		72		72	2		72		72
Residential real estate mortgages	0	$	---	$	---	1	$	58	$	58
Total consumer loans	0	-	--	-	--	1		58		58
Total	2	$	72	$	72	3	$	130	$	130

Schedule Of Past Due Loans

														>90 Days
June 30, 2012		30-59		60-89										Past Due
		Days		Days Past		90 Days		Total				Total		and
		Past Due		Due		or Greater		Past Due		Current		Loans		Accruing
Commercial real estate mortgages	$	263	$	43	$	1,066	$	1,372	$	300,694	$	302,066	$	---
Commercial and industrial		85		244		610		939		69,060		69,999		---
Commercial construction and
land development		---		---		3,753		3,753		21,353		25,106		---
Agricultural and other loans to farmers		188		187		572		947		25,259		26,206		1
Residential real estate mortgages		1,236		1,123		1,859		4,218		263,703		267,921		206
Home equity		497		9		252		758		51,346		52,104		---
Other consumer loans		150		7		55		212		19,776		19,988		---
Tax exempt		---	-	---		---		---		13,035		13,035		---
Total	$	2,419	$	1,613	$	8,167	$	12,199	$	764,226	$	776,425	$	207

														>90 Days
December 31, 2011		30-59		60-89										Past Due
		Days		Days		90 Days		Total				Total		and
		Past Due		Past Due		or Greater		Past Due		Current		Loans		Accruing
Commercial real estate mortgages	$	264	$	284	$	2,504	$	3,052	$	282,432	$	285,484	$	---
Commercial and industrial		294		201		996		1,491		60,959		62,450		---
Commercial construction and
land development		91		142		2,993		3,226		26,834		30,060		---
Agricultural and other loans to farmers		162		---		526		688		25,892		26,580		---
Residential real estate mortgages		1,690		644		2,553		4,887		234,912		239,799		---
Home equity		40		---		266		306		51,156		51,462		---
Other consumer loans		87		22		257		366		22,540		22,906		---
Tax exempt		---		---		---		---		9,700		9,700		---
Total	$	2,628	$	1,293	$	10,095	$	14,016	$	714,425	$	728,441	$	---

Schedule Of Impaired Loans

				June 30, 2012				December 31, 2011
				Unpaid						Unpaid
		Recorded		Principal		Related		Recorded		Principal		Related
		Investment		Balance		Allowance		Investment		Balance		Allowance
With no related allowance:
Commercial real estate mortgages	$	3,199	$	3,199	$	---	$	3,301	$	3,431	$	---
Commercial and industrial		563		628		---		973		1,043		---
Commercial construction and development		2,992		4,893		---		2,992		4,893		---
Agricultural and other loans to farmers		680		680		---		595		595		---
Residential real estate loans		140		140		---		82		82		---
Subtotal	$	7,574	$	9,540	$	---	$	7,943	$	10,044	$	---
With an allowance:
Commercial real estate mortgages	$	177	$	177	$	102	$	176	$	176	$	100
Commercial and industrial		100		100		100		135		135		135
Commercial construction and development		761		761		100		761		761		100
Agricultural and other loans to farmers		---		---		---		---		---		---
Residential real estate loans		---		---		---		---		---		---
Subtotal	$	1,038	$	1,038	$	302	$	1,072	$	1,072	$	335
Total	$	8,612	$	10,578	$	302	$	9,015	$	11,116	$	335

Details of impaired commercial loans for the three and six months ended June 30, 2012 and 2011 follows:

				June 30, 2012								June 30, 2011
		For the Three Months				For the Six Months				For the Three Months				For the Six Months
		Ended				Ended				Ended				Ended
		Average				Average				Average				Average
		Recorded		Interest		Recorded		Interest		Recorded		Interest		Recorded		Interest
		Investment Recorded Investment						Recorded		Investment Recorded Investment Recorded
With no related allowance:
Commercial real
estate mortgages	$	3,202	$	---	$	3,290	$	49	$	1,096	$	---	$	985	$	---
Commercial and industrial		596		---		752		---		706		---		550		---
Commercial construction
and development		3,011		---		3,018		---		149		---		174		---
Agricultural and other
loans to farmers		612		---		606		---		235		---		241		---
Subtotal	$	7,421	$	---	$	7,666	$	49	$	2,186	$	---	$	1,950	$	---
With an allowance:
Commercial real
estate mortgages	$	177	$	---	$	177	$	---	$	1,881	$	---	$	2,190	$	---
Commercial and industrial		100		---		100		---		466		---		490		---
Commercial construction
and development		761		---		761		---		5,530		---		5,578		---
Agricultural and other
loans to farmers		---		---		---		---		---		---		---		---
Subtotal	$	1,038	$	---	$	1,038	$	---	$	7,877	$	---	$	8,258	$	---
Total	$	8,459	$	---	$	8,704	$	49	$	10,063	$	---	$	10,208	$	---

Schedule Of Loans With Credit Quality Indicators

						Commercial		Agricultural
		Commercial		Commercial		construction		and other
		real estate		and		and land		loans to
June 30, 2012		mortgages		industrial		development		farmers		Total
Pass	$	274,744	$	59,791	$	18,992	$	24,909	$	378,436
Other Assets Especially Mentioned		18,836		7,432		2,361		453		29,082
Substandard		8,486		2,776		3,520		844		15,626
Doubtful		---		---		233		---		233
Loss		---		---		---		---		---
Total	$	302,066	$	69,999	$	25,106	$	26,206	$	423,377

						Commercial		Agricultural
		Commercial		Commercial		construction		and other
		real estate		and		and land		loans to
December 31, 2011		mortgages		industrial		development		farmers		Total
Pass	$	255,945	$	50,866	$	23,615	$	25,295	$	355,721
Other Assets Especially Mentioned		19,787		7,183		2,692		469		30,131
Substandard		9,752		4,401		3,520		816		18,489
Doubtful		---		---		233		---		233
Loss		---		---		---		---		---
Total	$	285,484	$	62,450	$	30,060	$	26,580	$	404,574

Schedule Of Allowance For Loan Losses By Portfolio Segment

									Commercial
Three Months					Commercial				Construction
Ended June 30,		Commercial			and				and land					Residential						Home			Tax
2012		Real Estate			Industrial				development		Agricultural			Real Estate			Consumer			Equity			Exempt		Total
Beginning
Balance	$	4,268		$	1,321		$		485	$	336		$	1,286		$	318		$	251		$	56	$	8,321
Charged Off		(125	)		(23	)			---		(132	)		(32	)		(101	)		(92	)		---		(505	)
Recoveries		7			2			-	---		55			---			14			---			---		78
Provision		(106	)		(64	)			48		64			212			62			185			59		460
Ending
Balance	$	4,044		$	1,236		$		533	$	323		$	1,466		$	293		$	344		$	115	$	8,354

								Commercial
Six Months					Commercial			Construction
Ended June 30,		Commercial			and			and land						Residential						Home			Tax
2012		Real Estate			Industrial			development			Agricultural			Real Estate			Consumer			Equity			Exempt		Total
Beginning
Balance	$	3,900		$	1,321		$	594		$	332		$	1,436		$	286		$	266		$	86	$	8,221
Charged Off		(150	)		(40	)		---			(142	)		(214	)		(220	)		(92	)		---		(858	)
Recoveries		8			8			---			80			---			20			---			---		116
Provision		286			(53	)		(61	)		53			244			207			170			29		875
Ending
Balance	$	4,044		$	1,236		$	533		$	323		$	1,466		$	293		$	344		$	115	$	8,354
of which:
Amount for
loans
individually
evaluated for
impairment	$	102		$	100		$	100		$	---		$	---		$	---		$	---		$	---	$	302
Amount for
loans
collectively
evaluated for
impairment	$	3,942		$	1,136		$	433		$	323		$	1,466		$	293		$	344		$	115	$	8,052
Loans
individually
evaluated for
impairment	$	2,588		$	636		$	3,753		$	680		$	---		$	---		$	---		$	---	$	7,657
Loans collectively
evaluated for
impairment	$	299,478		$	69,363		$	21,353		$	25,526		$	267,921		$	19,988		$	52,104		$	13,035	$	768,768

								Commercial
For the Three					Commercial			Construction				Residential
Months Ended		Commercial			and			and land				Real						Home		Tax
June 30, 2011		Real Estate			Industrial			development		Agricultural		Estate			Consumer			Equity		Exempt		Total
Beginning
Balance	$	4,134		$	1,220		$	1,181	$	249	$	1,514		$	364		$	298	$	133	$	9,093
Charged Off		(99	)		(1	)		---		---		(59	)		(21	)		---		---		(180	)
Recoveries		---			3			---		11		---			8			---		---		22
Provision		(336	)		396			474		87		(19	)		(47	)		32		13		600
Ending
Balance	$	3,699		$	1,618		$	1,655	$	347	$	1,436		$	304		$	330	$	146	$	9,535

								Commercial
For the Six					Commercial			Construction				Residential
Months Ended		Commercial			and			and land				Real						Home		Tax
June 30, 2011		Real Estate			Industrial			development		Agricultural		Estate			Consumer			Equity		Exempt		Total
Beginning
Balance	$	4,260		$	1,237		$	999	$	223	$	1,322		$	73		$	276	$	110	$	8,500
Charged Off		(99	)		(6	)		---		---		(77	)		(28	)		---		---		(210	)
Recoveries		1			79			---		45		---			20			---		---		145
Provision		(463	)		308			656		79		191			239			54		36		1,100
Ending
Balance	$	3,699		$	1,618		$	1,655	$	347	$	1,436		$	304		$	330	$	146	$	9,535

For the Year								Commercial
Ended					Commercial			Construction
December 31,		Commercial			and			and land					Residential						Home			Tax
2011		Real Estate			Industrial			development			Agricultural		Real Estate Consumer						Equity			Exempt			Total
Beginning
Balance	$	4,260		$	1,237		$	999		$	223	$	1,322		$	73		$	276		$	110		$	8,500
Charged Off		(423	)		(123	)		(1,943	)		---		(254	)		(90	)		(94	)		---			(2,927	)
Recoveries		8			82			77			45		---			41			---			---			253
Provision		55			125			1,461			64		368			262			84			(24	)		2,395
Ending
Balance	$	3,900		$	1,321		$	594		$	332	$	1,436		$	286		$	266		$	86		$	8,221
of which:
Amount for
loans
individually
evaluated
for
impairment	$	100		$	135		$	100		$	---	$	---		$	---		$	---		$	---		$	335
Amount for
loans
collectively
evaluated
for
impairment	$	3,800		$	1,186		$	494		$	332	$	1,436		$	286		$	266		$	86		$	7,886
Loans
individually
evaluated
for
impairment	$	2,676		$	1,078		$	3,753		$	595	$	---		$	---		$	---		$	---		$	8,102
Loans
collectively
evaluated
for
impairment	$	282,808		$	61,372		$	26,307		$	25,985	$	239,799		$	22,906		$	51,462		$	9,700		$	720,339