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Loans
 3 Months Ended
Mar. 31, 2012
Loans [Abstract]  
Loans

(5) Loans

The following table categorizes total loans (net of unearned discount) at March 31, 2012 and December 31, 2011: (dollars in thousands)

 

     March 31,
2012		     % of
Total
Loans		     December 31,
2011		     % of
Total
Loans		  

Commercial, financial, and agricultural

    $ 211,184        22.5 %    $ 206,652        21.3 % 

Commercial real estate

      412,722        43.9        428,646        44.2   

Real estate construction loans

      48,284        5.1        49,704        5.1   

Residential mortgages (1st and 2nd liens)

      152,318        16.2        160,619        16.6   

Home equity loans

      77,015        8.2        79,684        8.2   

Consumer loans

      37,815        4.0        43,831        4.5   

Other loans

      423        0.1        543        0.1   
  

 

 

    

 

 

    

 

 

    

 

 

  

Total Loans

      939,761        100.0 %      969,679        100.0 % 

Unearned discount

      (25 )        (25 )   

Allowance for loan losses

      (40,008 )        (39,958 )   
  

 

 

      

 

 

    

Balance at end of period

    $ 899,728        $ 929,696