XML 38 R27.htm IDEA: XBRL DOCUMENT v3.4.0.3
Loans And Allowance For Loan Losses (Tables)
 3 Months Ended
Mar. 31, 2016
Loans And Allowance For Loan Losses [Abstract]  
Summary Of Composition Of Loan Portfolio
    March 31,     December 31,  
    2016     2015  
 
Commercial real estate mortgages $ 393,519   $ 371,002  
Commercial and industrial   78,640     79,911  
Commercial construction and land development   25,195     24,926  
Agricultural and other loans to farmers   32,087     31,003  
Total commercial loans   529,441     506,842  
 
Residential real estate mortgages   402,391     406,652  
Home equity loans   49,568     51,530  
Other consumer loans   7,393     9,698  
Total consumer loans   459,352     467,880  
 
Tax exempt loans   16,034     15,244  
 
Net deferred loan costs and fees   1,735     104  
Total loans   1,006,562     990,070  
Allowance for loan losses   (9,814 )   (9,439 )
Total loans net of allowance for loan losses $ 996,748   $ 980,631  
Summary Of Non-Performing Loans
    March 31,   December 31,
    2016   2015
 
Commercial real estate mortgages $ 982 $ 1,279
Commercial and industrial loans   190   292
Commercial construction and land development   1,111   1,111
Agricultural and other loans to farmers - --   16
Total commercial loans   2,283   2,698
 
Residential real estate mortgages   3,734   3,452
Home equity loans   282   820
Other consumer loans   9   10
Total consumer loans   4,025   4,282
 
Total non-accrual loans   6,308   6,980
Accruing loans contractually past due 90 days or more   1   28
Total non-performing loans $ 6,309 $ 7,008
Summary Of Troubled Debt Restructures

For the Three Months Ended For the Three Months Ended
        March 31,           March 31,    
        2016           2015    
      P re- Post-     Pre- Post-
        Modification   Modification       Modification   Modification
    Number   Outstanding   Outstanding   Number   Outstanding   Outstanding
    of   Recorded   Recorded   of   Recorded   Recorded
    Loans   Investment   Investment   Loans   Investment   Investment
 
Commercial real estate                        
mortgages   2 $ 395 $ 394 - -- $ --- $ ---
Agricultural and                        
other loans to farmers   2   30   25   1   18   18
Total commercial loans   4   425   419   1   18   18
 
Residential real estate                        
mortgages - -- $ --- $ ---   1 $ 472 $ 472
Total consumer loans - -- - -- - --   1   472   472
 
Total   4 $ 425 $ 419   2 $ 490 $ 490
Summary Of Post-Modification Balance of Troubled Debt Restructurings
    Three Months Ended
    March 31,
    2016   2015
 
Extended maturity and adjusted interest rate $ 419 $ 472
Extended maturity --   18
Total $ 419 $ 490
Schedule Of Past Due Loans
                                  >90 Days
March 31, 2016   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 $ 191 $ 151 $ 254   $ 596 $ 392,923 $ 393,519 $ 982 $ ---  
Commercial and industrial   74   20   170     264   78,376   78,640   190   1  
Commercial construction                                    
and land development -- --   1,111     1,111   24,084   25,195   1,111 --  
Agricultural and other                                    
loans to farmers --   149 --     149   31,938   32,087 -- --  
Residential real                                    
estate mortgages   1,586   729   1,312     3,627   398,764   402,391   3,734 --  
Home equity   41   40   186     267   49,301   49,568   282 --  
Other consumer loans   48   2   1     51   7,342   7,393   9 --  
Tax exempt -- -- --   --   16,034   16,034 -- --  
Total $ 1,940 $ 1,091 $ 3,034   $ 6,065 $ 998,762 $ 1,004,827 $ 6,308 $ 1  

 


                                  >90 Days
December 31, 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 $ 99 $ 287 $ 241   $ 627 $ 370,375 $ 371,002 $ 1,279 $ ---  
Commercial and industrial   9   1   271     281   79,630   79,911   292 --  
Commercial construction                                    
and land development -- --   1,111     1,111   23,815   24,926   1,111 --  
Agricultural and other                                    
loans to farmers   12   70   3     85   30,918   31,003   16   3  
Residential real                                    
estate mortgages   1,313   452   1,299     3,064   403,588   406,652   3,452   25  
Home equity   245 --   797     1,042   50,488   51,530   820 --  
Other consumer loans   66 -- --     66   9,632   9,698   10 --  
Tax exempt -- -- --   --   15,244   15,244 -- --  
Total $ 1,744 $ 810 $ 3,722   $ 6,276 $ 983,693 $ 989,969 $ 6,980 $ 28  

 
Schedule Of Impaired Loans

Details of impaired loans as of March 31, 2016 and December 31, 2015 follows:

        March 31, 2016       December 31, 2015
        Unpaid           Unpaid    
    Recorded   Principal   Related   Recorded   Principal   Related
    Investment   Balance   Allowance   Investment   Balance   Allowance
With no related allowance:                        
Commercial real estate mortgages $ 1,918 $ 1,918 $ --- $ 1,692 $ 1,736 $ ---
Commercial and industrial   94   94 - --   202   352 - --
Commercial construction and                        
land development - -- - -- - -- - -- - -- - --
Agricultural and other loans to farmers   129   129 - --   106   106 - --
Residential real estate loans   1,079   1,079 - --   1,332   1,362 - --
Home equity loans   17   17 - --   18   18 - --
Other consumer - -- - -- - -- - -- - -- - --
Subtotal $ 3,237 $ 3,237 $ --- $ 3,350 $ 3,574 $ ---
 
With an allowance:                        
Commercial real estate mortgages $ 453 $ 453 $ 42 $ 531 $ 531 $ 43
Commercial and industrial   222   372   175   224   374   175
Commercial construction and                        
land development   1,111   3,036   98   1,111   3,036   58
Agricultural and other loans to farmers - -- - -- - -- - -- - -- - --
Residential real estate loans   766   796   118   515   515   97
Home equity loans - -- - -- - -- - -- - -- - --
Other consumer   8   8 - --   8   8 - --
Subtotal $ 2,560 $ 4,665 $ 433 $ 2,389 $ 4,464 $ 373
Total $ 5,797 $ 7,902 $ 433 $ 5,739 $ 8,038 $ 373

 

Details of impaired loans for the three months ended March 31, 2016 and 2015 follows:

    March 31, 2016   March 31, 2015
 
    Average       Average    
    Recorded   Interest   Recorded   Interest
    Investment   Recorded   Investment Recorded
With no related allowance:                
Commercial real estate mortgages $ 1,932 $ 22 $ 2,501 $ 16
Commercial and industrial   98   2   498   1
Commercial construction and                
land development     - --   1,260 - --
Agricultural and other loans to farmers   141   3   124   2
Residential real estate mortgages   1,079   21   826   9
Home equity loans   17 - --   19 - --
Other consumer     - -- - -- - --
Subtotal $ 3,267 $ 48 $ 5,228 $ 28
 
With an allowance:                
Commercial real estate mortgages $ 529 $ --- $ 1,434 $ ---
Commercial and industrial   223 - --   191 - --
Commercial construction and                
land development   1,111 - -- - -- - --
Agricultural and other loans to farmers - -- - --   54 - --
Residential real estate mortgages   767 - -- - -- - --
Home equity loans - -- - -- - -- - --
Other consumer   8 - --   10 - --
Subtotal $ 2,638 $ --- $ 1,689 $ ---
 
Total $ 5,905 $ 48 $ 6,917 $ 28
Schedule Of Loans With Credit Quality Indicators
            Commercial   Agricultural    
    Commercial   Commercial   construction   and other    
    real estate   and   and land   loans to    
March 31, 2016   mortgages   industrial   development   farmers   Total
Pass $ 367,322 $ 74,030 $ 24,084 $ 31,628 $ 497,064
Other Assets Especially                    
Mentioned   8,919   2,012 - --   173   11,104
Substandard   17,265   2,597   1,111   286   21,259
Doubtful - -- - -- - -- - -- - --
Loss   13   1 - -- - --   14
Total $ 393,519 $ 78,640 $ 25,195 $ 32,087 $ 529,441

 

            Commercial   Agricultural    
    Commercial   Commercial   construction   and other    
    real estate   and   and land   loans to    
December 31, 2015   mortgages   industrial   development   farmers   Total
Pass $ 345,197 $ 74,771 $ 23,460 $ 30,688 $ 474,116
Other Assets Especially                    
Mentioned   7,381   2,349   355   168   10,253
Substandard   18,424   2,790   1,111   147   22,472
Doubtful - -- - -- - -- - -- - --
Loss - --   1 - -- - --   1
Total $ 371,002 $ 79,911 $ 24,926 $ 31,003 $ 506,842
Schedule Of Allowance For Loan Losses By Portfolio Segment
Three Months               Commercial                                  
Ended         Commercial     Construction                                  
March 31, 2016   Commercial     and     and land         Residential           Home     Tax      
    Real Estate     Industrial     development     Agricultural   Real Estate     Consumer     Equity     Exempt   Total  
Beginning Balance $ 4,246   $ 1,236   $ 184 $   307 $ 2,747   $ 111   $ 561   $ 47 $ 9,439  
Charged Off   (34 )   (89 )   --   - --   (31 )   (10 ) - --   - --   (164 )
Recoveries   6     1     --     40   20     6     1   - --   74  
Provision   449     85     47     18   (115 )   1     (23 )   3   465  
Ending Balance $ 4,667   $ 1,233   $ 231 $   365 $ 2,621   $ 108   $ 539   $ 50 $ 9,814  
 
of which:                                                  
 
Amount for loans                                                  
individually                                                  
evaluated                                                  
for impairment $ 42   $ 175   $ 98 $ - -- $ 118   $ ---   $ ---   $ - $ 433  
 
Amount for loans                                                  
collectively                                                  
evaluated                                                  
for impairment $ 4,625   $ 1,058   $ 133 $   365 $ 2,503   $ 108   $ 539   $ 50 $ 9,381  
 
Loans individually                                                  
evaluated                                                  
for impairment $ 2,371   $ 316   $ 1,111 $   129 $ 1,845   $ 8   $ 17   $ --- $ 5,797  
 
Loans collectively                                                  
evaluated                                                  
for impairment $ 391,148   $ 78,324   $ 24,084 $   31,958 $ 400,546   $ 7,385   $ 49,551   $ 16,034 $ 999,030  

 

                Commercial                                  
Three Months         Commercial     Construction                                  
Ended   Commercial     and     and land           Residential         Home     Tax      
March 31, 2015   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   (25 )   (75 )   --     (18 ) - --   (11 )   (40 ) - --   (169 )
Recoveries   34     1     --     12     129   7   - --   - --   183  
Provision   23     219     (38 )   63     32   55     136     5   495  
Ending Balance $ 4,500   $ 1,074   $ 107   $ 334   $ 2,875 $ 145   $ 367   $ 76 $ 9,478  
 
of which:                                                  
 
Amount for loans                                                  
Individually                                                  
evaluated                                                  
for impairment $ 669   $ 200   $ --   $ 39   $ --- $ ---   $ 1   $ --- $ 909  
 
Amount for loans                                                  
collectively                                                  
evaluated                                                  
for impairment $ 3,831   $ 874   $ 107   $ 295   $ 2,875 $ 145   $ 366   $ 76 $ 8,569  
 
Loans individually                                                  
evaluated for                                                  
impairment $ 3,687   $ 578   $ 1,260   $ 168   $ 388 $ ---   $ 10   $ --- $ 6,091  
 
Loans collectively                                                  
evaluated for                                                  
impairment $ 339,496   $ 81,919   $ 24,465   $ 31,380   $ 377,490 $ 11,355   $ 50,948   $ 16,576 $ 933,629  

 

 

                Commercial                                    
Twelve Months         Commercial     Construction                                    
Ended   Commercial     and     and land         Residential           Home     Tax        
December 31, 2015   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   (667 )   (323 ) - ---   (72 )   (70 )   (111 )   (376 ) - --     (1,619 )
Recoveries   98     36   - ---   18     129     22     1   - --     304  
Provision   347     594     39   84     (26 )   106     665     (24 )   1,785  
Ending Balance $ 4,246   $ 1,236   $ 184 $ 307   $ 2,747   $ 111   $ 561   $ 47   $ 9,439  
                                                  -  
of which:                                                    
 
Amount for loans                                                    
individually                                                    
evaluated                                                    
for impairment $ 43   $ 175   $ 58 $ ---   $ 97   $ ---   $ ---   $ ---   $ 373  
 
Amount for loans                                                    
collectively                                                    
evaluated for                                                    
impairment $ 4,203   $ 1,061   $ 126 $ 307   $ 2,650   $ 111   $ 561   $ 47   $ 9,066  
 
Loans individually                                                    
evaluated                                                    
for impairment $ 2,223   $ 426   $ 1,111 $ 106   $ 1,847   $ 8   $ 18   $ ---   $ 5,739  
 
Loans collectively                                                    
evaluated                                                    
for impairment $ 368,779   $ 79,485   $ 23,815 $ 30,897   $ 404,805   $ 9,690   $ 51,512   $ 15,244   $ 984,227