Loans And Allowance For Loan Losses (Tables)

9 Months Ended

Sep. 30, 2012

Loans And Allowance For Loan Losses [Abstract]

Summary Of Composition Of Loan Portfolio

		September 30,			December 31,
		2012			2011
Commercial real estate mortgages	$	298,784		$	285,484
Commercial and industrial		78,623			62,450
Commercial construction and land development		25,106			30,060
Agricultural and other loans to farmers		26,206			26,580
Total commercial loans		428,719			404,574
Residential real estate mortgages		292,122			239,799
Home equity loans		53,044			51,462
Other consumer loans		19,678			22,906
Total consumer loans		364,844			314,167
Tax exempt loans		15,442			9,700
Net deferred loan costs and fees		(593	)		562
Total loans		808,412			729,003
Allowance for loan losses		(8,053	)		(8,221	)
Total loans net of allowance for loan losses	$	800,359		$	720,782

Summary Of Non-Performing Loans

		September 30,			December 31,
		2012			2011
Commercial real estate mortgages	$	2,929		$	2,676
Commercial and industrial loans		589			1,078
Commercial construction and land development		2,599			3,753
Agricultural and other loans to farmers		596			595
Total commercial loans		6,713			8,102
Residential real estate mortgages		2,713			4,266
Home equity loans		306			266
Other consumer loans		61			273
Total consumer loans		3,080			4,805
Total non-accrual loans		9,793			12,907
Accruing loans contractually past due 90 days or more		954			--
Total non-performing loans	$	10,747		$	12,907
Allowance for loan losses to non-performing loans		75	%		64	%
Non-performing loans to total loans		1.33	%		1.77	%
Allowance to total loans		1.00	%		1.13	%

Summary Of Troubled Debt Restructures

	For the Three Months Ended September 30,					For the Nine Months Ended September 30,
			2012					2012
			Pre-		Post-			Pre-		-
			Modification		Modification			Modification		Modification
			Outstanding		Outstanding			Outstanding		Outstanding
	Number		Recorded		Recorded	Number		Recorded		Recorded
	of Loans		Investment		Investment	of Loans		Investment		Investment
Commercial and industrial loans	0	$	---	$	---	2	$	67	$	67
Total commercial loans	0	$	---	$	---	2	$	67	$	67
Residential real estate mortgages	0	$	---	$	---	1	$	56	$	56
Total consumer loans	0	$	---	$	---	1	$	56	$	56
Total	0	$	---	$	---	3	$	123	$	123

Schedule Of Past Due Loans

														>90 Days
September 30, 2012		30-59												Past Due
		Days Past		60-89 Days		90 Days or		Total				Total		and
		Due		Past Due		Greater		Past Due		Current		Loans		Accruing
Commercial real estate mortgages	$	667	$	--	$	1,515	$	2,182	$	296,602	$	298,784	$	196
Commercial and industrial		512		27		692		1,231		77,392		78,623		154
Commercial construction and
land development		--		--		2,599		2,599		22,507		25,106		--
Agricultural and other loans to farmers		67		109		401		577		25,629		26,206		--
Residential real estate mortgages		949		754		2,092		3,795		288,327		292,122		572
Home equity		440		8		257		705		52,339		53,044		29
Other consumer loans		51		94		43		188		19,490		19,678		3
Tax exempt		--		--		--		--		15,442		15,442		--
Total	$	2,686	$	992	$	7,599	$	11,277	$	797,728	$	809,005	$	954

														>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

		September 30, 2012								December 31, 2011
				Unpaid						Unpaid		Related
		Recorded		Principal		Related		Recorded		Principal		Allowance
		Investment		Balance		Allowance		Investment		Balance
With no related allowance:
Commercial real
estate mortgages	$	3,709	$	3,829	$	---	$	3,301	$	3,431	$	---
Commercial and industrial		514		579	-	--		973		1,043	-	--
Commercial construction
and development		2,225		4,150	-	--		2,992		4,893	-	--
Agricultural and other
loans to farmers		596		671	-	--		595		595	-	--
Residential real estate loans		57		79	-	--		82		82	-	--
Subtotal	$	7,101	$	9,308	$	---	$	7,943	$	10,044	$	---
With an allowance:
Commercial real
estate mortgages	$	--	$	---	$	---	$	176	$	176	$	100
Commercial and industrial		100		100		100		135		135		135
Commercial construction
and development		374		374		30		761		761		100
Agricultural and other
loans to farmers		--	-	--	-	--	-	--	-	--	-	--
Residential real estate loans		--	-	--	-	--	-	--	-	--	-	--
Subtotal	$	474	$	474	$	130	$	1,072	$	1,072	$	335
Total	$	7,575	$	9,782	$	130	$	9,015	$	11,116	$	335

September 30, 2012

September 30, 2011

For the Three Months

For the Nine Months

For the Three Months

For the Nine 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

$

3,814

$

47

$

3,589

$

96

$

1,740

$

---

$

1,199

$

 ---

Commercial and industrial

603

6

702

6

972

---

638

---

Commercial construction

and development

2,424

-

--

2,813

-

--

334

---

264

---

Agricultural and other

loans to farmers

603

-

--

605

-

--

176

---

210

---

Residential real

estate mortgages

135

1

138

3

-

--

---

-

--

---

Subtotal

$

7,579

$

54

$

7,847

$

105

$

3,222

$

---

$

2,311

$

 ---

With an allowance:

Commercial real

estate mortgages

$

---

$

---

$ 

--

$

---

$

1,304

$

---

$

2,075

$

 ---

Commercial and industrial

100

-

--

100

-

--

341

---

453

---

Commercial construction

and development

593

-

--

704

-

--

4,608

---

4,735

---

Agricultural and other

loans to farmers

-

--

-

--

--

-

--

-

--

---

-

--

---

Residential real

estate mortgages

-

--

-

--

--

-

--

-

--

---

-

--

---

Subtotal

$

693

$

---

$ 

804

$

---

$

6,253

$

 ---

$

7,263

$

 ---

Total

$

8,272

$

54

$

8,651

$

105

$

9,475

$ ---

$

9,574

$ ---

Schedule Of Loans With Credit Quality Indicators

						Commercial		Agricultural
		Commercial		Commercial		construction		and other
		real estate		and		and land		loans to
September 30, 2012		mortgages		industrial		development		farmers		Total
Pass	$	268,904	$	65,401	$	20,118	$	25,128	$	379,551
Other Assets
Especially Mentioned		20,497		10,123		2,389		330		33,339
Substandard		9,383		3,099		2,599		748		15,829
Doubtful		--		--		--		--		--
Loss		--		--		--		--		--
Total	$	298,784	$	78,623	$	25,106	$	26,206	$	428,719

						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

Three Months								Commercial
Ended					Commercial			Construction
September 30,		Commercial			and			and land						Residential						Home			Tax
2012		Real Estate			Industrial			development			Agricultural			Real Estate			Consumer			Equity			Exempt			Total
Beginning
Balance	$	4,044		$	1,236		$	533		$	323		$	1,466		$	293		$	344		$	115		$	8,354
Charged Off		(102	)		(2	)		(300	)		(6	)		(300	)		(43	)	-	--		-	--			(753	)
Recoveries		1			1			--			1			14			8		-	--		-	--			25
Provision		100			118			187			(5	)		119			4			(36	)		(60	)		427
Ending Balance	$	4,043		$	1,353		$	420		$	313		$	1,299		$	262		$	308		$	55		$	8,053

Nine Months							Commercial
Ended					Commercial		Construction
September 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		(252	)		(42	)		(300	)		(148	)		(514	)		(263	)		(92	)	-	--			(1,611	)
Recoveries		9			9			--			81			14			28		-	---		-	--			141
Provision		386			65			126			48			363			211			134			(31	)		1,302
Ending Balance	$	4,043		$	1,353		$	420		$	313		$	1,299		$	262		$	308		$	55		$	8,053
of which:
Amount for
loans
individually
evaluated for
impairment	$	102		$	100		$	100		$	--		$	---		$	--		$	---		$	---		$	302
Amount for
Loans
collectively
evaluated for
impairment	$	3,941		$	1,253		$	320		$	313		$	1,299		$	262		$	308		$	55		$	7,751
Loans
individually
evaluated for
Impairment	$	2,929		$	589		$	2,599		$	596		$	---		$	--		$	---		$	---		$	6,713
Loans
collectively
evaluated
for impairment	$	295,855		$	78,034		$	22,507		$	25,610		$	292,122		$	19,678		$	53,044		$	15,442		$	802,292

Three Months							Commercial
Ended				Commercial			Construction
September 30,		Commercial		and			and land						Residential						Home			Tax
2011		Real Estate		Industrial			development			Agricultural			Real Estate			Consumer			Equity			Exempt			Total
Beginning
Balance	$	3,699	$	1,618		$	1,655		$	347		$	1,436		$	304		$	330		$	146		$	9,535
Charged Off	-	--		(42	)		(1,993	)	-	--			(101	)		(2	)		(56	)	-	--			(2,194	)
Recoveries		6		2		-	--		-	--			40			14		-	--		-	--			62
Provision		277		(81	)		738			(17	)		(75	)		(42	)		(10)			(40	)		750
Ending Balance	$	3,982	$	1,497		$	400		$	330		$	1,300		$	274		$	264		$	106		$	8,153

Nine Months								Commercial
Ended					Commercial			Construction
September 30,		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		(99	)		(48	)		(1,993	)		--		(178	)		(30	)		(56	)	-	--			(2,404	)
Recoveries		7			81			--			45		40			34		-	--		-	--			207
Provision		(186	)		227			1,394			62		116			197			44			(4	)		1,850
Ending Balance	$	3,982		$	1,497		$	400		$	330	$	1,300		$	274		$	264		$	106		$	8,153

Twelve Months							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