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Loans And Allowance For Loan Losses (Tables)
 6 Months Ended
Jun. 30, 2015
Loans And Allowance For Loan Losses [Abstract]  
Summary Of Composition Of Loan Portfolio
    June 30,     December 31,  
    2015     2014  
 
Commercial real estate mortgages $ 354,129   $ 325,949  
Commercial and industrial   88,202     73,893  
Commercial construction and land development   34,420     25,421  
Agricultural and other loans to farmers   33,534     30,471  
Total commercial loans   510,285     455,734  
 
Residential real estate mortgages   393,755     382,678  
Home equity loans   51,794     51,795  
Other consumer loans   11,141     12,140  
Total consumer loans   456,690     446,613  
 
Tax exempt loans   16,146     16,693  
 
Net deferred loan costs and fees   123     (16 )
Total loans   983,244     919,024  
Allowance for loan losses   (9,099 )   (8,969 )
Total loans net of allowance for loan losses $ 974,145   $ 910,055  
Summary Of Non-Performing Loans
    June 30,   December 31,
    2015   2014
 
Commercial real estate mortgages $ 2,430 $ 3,156
Commercial and industrial loans   322   624
Commercial construction and land development   1,260   1,328
Agricultural and other loans to farmers   71   84
Total commercial loans   4,083   5,192
 
Residential real estate mortgages   3,551   6,051
Home equity loans   1,191   1,029
Other consumer loans   15   16
Total consumer loans   4,757   7,096
 
Total non-accrual loans   8,840   12,288
Accruing loans contractually past due 90 days or more - -- - --
Total non-performing loans $ 8,840 $ 12,288
Summary Of Troubled Debt Restructures
For the Three Months Ended     For the Six Months Ended
        June 30,         June 30,    
        2015         2015    
                    Post -
        Pre-Modification   Post-Modification     Pre-Modification   Modification
        Outstanding   Outstanding     Outstanding   Outstanding
    Number   Recorded   Recorded Number   Recorded   Recorded
    of Loans   Investment   Investment of Loans   Investment   Investment
 
Agricultural and other                      
loans to farmers - -- $ --- $ --- 1   18   17
Total commercial loans - -- - -- - -- 1   18   17
 
Residential real                      
estate mortgages   2 $ 795 $ 794 3 $ 1,267 $ 1,266
Total consumer loans   2   795   794 3   1,267   1,266
 
Total   2 $ 795 $ 794 4 $ 1,285 $ 1,283
Past Due Financing Receivable Post Modification Balances
    June 30, 2015
    Three   Six
    Months   Months
    Ended   Ended
 
Extended maturity and adjusted interest rate $ --- $ 489
Adjusted payment   607   607
Adjusted payment and capitalized interest   187   187
Total $ 794 $ 1,283
Schedule Of Past Due Loans

                                    >90 Days
June 30, 2015   30-59     60-89   90 Days                   Past Due
    Days     Days   or       Total       Total Non - and
    Past Due     Past Due   Greater       Past Due   Current   Loans   Accrual Accruing
Commercial real                                    
estate mortgages $ 394 $   285 $ 1,530   $   2,209 $ 351,920 $ 354,129 $ 2,430 $ ---
Commercial and industrial   87     16   298       401   87,801   88,202   322 ---
Commercial construction                                    
and land development - --   - --   1,260       1,260   33,160   34,420   1,260 ---
Agricultural and other                                    
loans to farmers   95   - --   54       149   33,385   33,534   71 ---
Residential real                                    
estate mortgages   2,209     683   1,446       4,338   389,417   393,755   3,551 ---
Home equity   25     173   1,005       1,203   50,591   51,794   1,191 ---
Other consumer loans   42     17   2       61   11,080   11,141   15 ---
Tax exempt - --   - -- - --     - --   16,146   16,146 - -- ---
Total $ 2,852 $   1,174 $ 5,595   $   9,621 $ 973,500 $ 983,121 $ 8,840 $ ---

 

                                  >90 Days
December 31, 2014   30-59     60-89   90 Days                 Past Due
    Days     Days   or     Total       Total Non - and
    Past Due     Past Due   Greater     Past Due   Current   Loans   Accrual Accruing
Commercial real                                  
estate mortgages $ 189 $   234 $ 1,843   $ 2,266 $ 323,683 $ 325,949 $ 3,156 $ ---
Commercial and industrial   665     45   333     1,043   72,850   73,893   624 ---
Commercial construction                                  
and land development - --   - --   1,328     1,328   24,093   25,421   1,328 ---
Agricultural and other                                  
loans to farmers   27   - --   64     91   30,380   30,471   84 ---
Residential real                                  
estate mortgages   1,980     547   1,681     4,208   378,470   382,678   6,051 ---
Home equity   138     40   575     753   51,042   51,795   1,029 ---
Other consumer loans   231     5   7     243   11,897   12,140   16 ---
Tax exempt - --   - -- - --   - --   16,693   16,693 - -- ---
Total $ 3,230 $   871 $ 5,831   $ 9,932 $ 909,108 $ 919,040 $ 12,288 $ ---
Schedule Of Impaired Loans

Details of impaired loans for the three and six months ended June 30, 2015 and 2014 follows:

        June 30, 2015       December 31, 2014    
        Unpaid           Unpaid    
    Recorded   Principal   Related   Recorded   Principal   Related
    Investment   Balance   Allowance   Investment   Balance   Allowance
With no related allowance:                        
Commercial real estate mortgages $ 2,191 $ 2,314 $ --- $ 1,606 $ 1,606 $ ---
Commercial and industrial   299   449 - --   309   309 - --
Commercial construction         - --         - --
and land development   1,260   3,185       1,328   3,253    
Agricultural and other loans to farmers   112   112 - --   181   181 - --
Residential real estate loans   1,465   1,615 - --   389   419 - --
Home equity loans   18   212 - -- - -- - -- - --
Other consumer - -- - -- - -- - -- - -- - --
Subtotal $ 5,345 $ 7,887 $ --- $ 3,813 $ 5,768 $ ---
 
With an allowance:                        
Commercial real estate mortgages $ 955 $ 955 $ 419 $ 1,986 $ 2,014 $ 776
Commercial and industrial   170   320   169   325   555   187
Commercial construction             - -- - -- - --
and land development - -- - -- - --            
Agricultural and other loans to farmers   54   54   47 - -- - -- - --
Residential real estate loans   187   187   40 - -- - -- - --
Home equity loans - -- - -- - -- - -- - -- - --
Other consumer   9   9   1   10   10   1
Subtotal $ 1,375 $ 1,525 $ 676 $ 2,321 $ 2,579 $ 964
Total $ 6,720 $ 9,412 $ 676 $ 6,134 $ 8,347 $ 964

 

Details of impaired loans as of June 30, 2015 and December 31, 2014 follows:

    June 30, 2015       June 30, 2014
    Three Months Ended   Six Months Ended   Three Months Ended Six Months 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 $ 2,413   $   7 $ 2,698 $ 14 $ 2,075 $ 16 $   2,191 $ 31
Commercial and industrial   441       3   446   5   764   1     754   2
Commercial construction                                      
and land development   1,260     - --   1,260 - --   1,504 - --     1,702 - --
Agricultural and other                                      
loans to farmers   113       2   118   4   60 - --     61 - --
Residential real                                      
estate mortgages   1,498       13   1,483   25   491   3     492   6
Home equity loans   18     - --   19   1   20   1     20   1
Other consumer - --     - -- - -- - --   12 - --     12 - --
Subtotal $ 5,743   $   25 $ 6,024 $ 49 $ 4,926 $ 21 $   5,232 $ 40
 
With an allowance:                                      
Commercial real                                      
estate mortgages $ 955 $ --- $ 955 $ --- $ 297 $ --- $   379 $ ---
Commercial and industrial   170     - --   170 - --   536 - --     389 - --
Commercial construction                 - --                  
and land development - --     - -- - --     - -- - --   - -- - --
Agricultural and other                 - -- - --              
loans to farmers   54     - --   54         - --   - -- - --
Residential real                 - -- - --              
estate mortgages   184     - --   183         - --   - -- - --
Home equity loans - --     - -- - -- - -- - -- - --   - -- - --
Other consumer   10     - --   10 - -- - -- - --   - -- - --
Subtotal $ 1,373 $ --- $ 1,372 $ --- $ 833 $ --- $   768 $ ---
 
Total $ 7,116 $ 25 $ 7,396 $ 49 $ 5,759 $ 21 $   6,000 $ 40

 
Schedule Of Loans With Credit Quality Indicators
            Commercial   Agricultural    
    Commercial   Commercial   construction   and other    
    real estate   and   and land   loans to    
June 30, 2015   mortgages   industrial   development   farmers   Total
Pass $ 326,979 $ 82,590 $ 32,657 $ 33,128 $ 475,354
Other Assets                    
Especially Mentioned   8,978   2,787   503   190   12,458
Substandard   17,006   2,825   1,260   216   21,307
Doubtful   1,166 - -- - -- - --   1,166
Loss - -- - -- - -- - -- - --
Total $ 354,129 $ 88,202 $ 34,420 $ 33,534 $ 510,285
 
 
            Commercial   Agricultural    
    Commercial   Commercial   construction   and other    
    real estate   and   and land   loans to    
December 31, 2014   mortgages   industrial   development   farmers   Total
Pass $ 302,376 $ 62,226 $ 23,290 $ 30,047 $ 417,939
Other Assets                    
Especially Mentioned   11,501   7,349 - --   193   19,043
Substandard   12,072   4,318   2,131   231   18,752
Doubtful - -- - -- - -- - -- - --
Loss - -- - -- - -- - -- - --
Total $ 325,949 $ 73,893 $ 25,421 $ 30,471 $ 455,734
Schedule Of Allowance For Loan Losses By Portfolio Segment
                Commercial                                
Three Months         Commercial       Construction                                
Ended June 30, 2015   Commercial     and       and land       Residential           Home     Tax      
    Real Estate     Industrial       development   Agricultural   Real Estate     Consumer     Equity     Exempt   Total  
Beginning Balance $ 4,500   $ 1,074   $   107 $ 334 $ 2,875   $ 145   $ 367   $ 76 $ 9,478  
Charged Off   (181 )   (213 )   - -- - --   (70 )   (14 )   (311 ) - --   (789 )
Recoveries   5     1         - --   -     4   - --   - --   10  
Provision   (35 )   285       38   38   (320 )   (25 )   416     3   400  
Ending Balance $ 4,289   $ 1,147   $   145 $ 372 $ 2,485   $ 110   $ 472   $ 79 $ 9,099  

 

                  Commercial                                  
Six Months Ended         Commercial       Construction                                  
June 30, 2015   Commercial     and       and land         Residential           Home     Tax      
    Real Estate     Industrial       development   Agricultural     Real Estate     Consumer     Equity     Exempt   Total  
Beginning Balance $ 4,468   $ 929   $   145 $ 277   $ 2,714   $ 94   $ 271   $ 71 $ 8,969  
Charged Off   (206 )   (288 )   - --   (18 )   (70 )   (25 )   (351 ) - --   (958 )
Recoveries   39     2     - --   12     129     11   - --   - --   193  
Provision   (12 )   504     - --   101     (288 )   30     552     8   895  
Ending Balance $ 4,289   $ 1,147   $   145 $ 372   $ 2,485   $ 110   $ 472   $ 79 $ 9,099  
 
of which:                                                    
 
Amount for                                                    
loans individually                                                    
evaluated for                                                    
impairment $ 419   $ 169   $ - -- $ 47   $ 40   $ ---   $ 1   $ --- $ 676  
 
Amount for loans                                                    
collectively                                                    
evaluated for                                                    
impairment $ 3,870   $ 978   $   145 $ 325   $ 2,445   $ 110   $ 471   $ 79 $ 8,423  
 
Loans individually                                                    
evaluated                                                    
for impairment $ 2,992   $ 469   $   1,260 $ 166   $ 1,180   $ 9   $ ---   $ --- $ 6,076  
 
Loans collectively                                                    
evaluated                                                    
for impairment $ 351,137   $ 87,733   $   33,160 $ 33,368   $ 392,575   $ 11,132   $ 51,794   $ 16,146 $ 977,045  

 

                  Commercial                                
Three Months         Commercial       Construction                                
Ended June 30, 2014   Commercial     and       and land       Residential           Home   Tax        
    Real Estate     Industrial       development   Agricultural   Real Estate     Consumer     Equity   Exempt     Total  
Beginning Balance $ 4,735   $ 1,654   $   231 $ 350 $ 1,128   $ 206   $ 239 $ 179   $ 8,722  
Charged Off   (165 )   (88 )   - -- - --   (125 )   (63 ) - -- - --     (441 )
Recoveries - --     10     - --   15   11     6   - -- - --     42  
Provision   317     (3 )     23   6   135     (46 )   2   (6 )   428  
Ending Balance $ 4,887   $ 1,573   $   254 $ 371 $ 1,149   $ 103   $ 241 $ 173   $ 8,751  

 

                  Commercial                                    
Six Months Ended         Commercial       Construction                                    
June 30, 2014   Commercial     and       and land           Residential           Home     Tax      
    Real Estate     Industrial       development     Agricultural     Real Estate     Consumer     Equity     Exempt   Total  
Beginning Balance $ 4,825   $ 1,266   $   314   $ 335   $ 1,166   $ 137   $ 264   $ 168 $ 8,475  
Charged Off   (165 )   (99 )   - --     (14 )   (293 )   (80 )   (18 ) - --   (669 )
Recoveries   6     12     - --     15     12     15   - --   - --   60  
Provision   221     394       (60 )   35     264     31     (5 )   5   885  
Ending Balance $ 4,887   $ 1,573   $   254   $ 371   $ 1,149   $ 103   $ 241   $ 173 $ 8,751