Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2013

Text Block [Abstract]

Allowance Related to Unallocated Segment

	Commercial & Agriculture				Commercial Real Estate				Residential Real Estate				Real Estate Construction				Consumer				Unallocated			Total
For the six months ending June 30, 2013
Allowance for loan losses:
Beginning balance		$	2,811			$	10,139			$	5,780			$	349			$	246			$	417		$	19,742
Charge-offs			(92	)			(631	)			(1,021	)			—				(122	)			—			(1,866	)
Recoveries			62				223				301				106				37				—			729
Provision			994				(575	)			109				(271	)			(12	)			555			800
Ending Balance		$	3,775			$	9,156			$	5,169			$	184			$	149			$	972		$	19,405

	Commercial & Agriculture			Commercial Real Estate			Residential Real Estate			Real Estate Construction			Consumer			Unallocated			Total
For the six months ending June 30, 2012
Allowance for loan losses:
Beginning balance	$	2,876		$	10,571		$	5,796		$	974		$	719		$	321		$	21,257
Charge-offs		(418	)		(1,639	)		(1,469	)		(105	)		(125	)		—			(3,756	)
Recoveries		100			175			161			113			16			—			565
Provision		(21	)		2,594			1,891			113			(348	)		(364	)		3,865
Ending Balance	$	2,537		$	11,701		$	6,379		$	1,095		$	262		$	(43	)	$	21,931

	Commercial & Agriculture				Commercial Real Estate				Residential Real Estate				Real Estate Construction				Consumer				Unallocated			Total
For the three months ending June 30, 2013
Allowance for loan losses:
Beginning balance		$	2,937			$	9,924			$	5,414			$	314			$	225			$	896		$	19,710
Charge-offs			(92	)			(319	)			(534	)			—				(40	)			—			(985	)
Recoveries			21				133				145				54				27				—			380
Provision			909				(582	)			144				(184	)			(63	)			76			300
Ending Balance		$	3,775			$	9,156			$	5,169			$	184			$	149			$	972		$	19,405

	Commercial & Agriculture			Commercial Real Estate			Residential Real Estate			Real Estate Construction		Consumer			Unallocated			Total
For the three months ending June 30, 2012
Allowance for loan losses:
Beginning balance	$	3,042		$	10,970		$	6,257		$	857	$	603		$	295		$	22,024
Charge-offs		(286	)		(863	)		(703	)		—		(81	)		—			(1,933	)
Recoveries		65			151			109			52		(2	)		—			375
Provision		(284	)		1,443			716			186		(258	)		(338	)		1,465
Ending Balance	$	2,537		$	11,701		$	6,379		$	1,095	$	262		$	(43	)	$	21,931

	Commercial & Agriculture		Commercial Real Estate		Residential Real Estate		Real Estate Construction		Consumer		Unallocated		Total
June 30, 2013
Allowance for loan losses:
Ending balance:
Individually evaluated for impairment	$	1,384	$	1,081	$	800	$	58	$	1	$	—	$	3,324
Ending balance:
Collectively evaluated for impairment	$	2,391	$	8,075	$	4,369	$	126	$	148	$	972	$	16,081
Ending Balance	$	3,775	$	9,156	$	5,169	$	184	$	149	$	972	$	19,405
Loan balances outstanding:
Ending balance:
Individually evaluated for impairment	$	4,956	$	12,588	$	5,724	$	480	$	22			$	23,770
Ending balance:
Collectively evaluated for impairment	$	105,595	$	408,677	$	240,572	$	22,171	$	9,321			$	786,336
Ending Balance	$	110,551	$	421,265	$	246,296	$	22,651	$	9,343			$	810,106

	Commercial & Agriculture		Commercial Real Estate		Residential Real Estate		Real Estate Construction		Consumer		Unallocated		Total
December 31, 2012
Allowance for loan losses:
Ending balance:
Individually evaluated for impairment	$	286	$	2,354	$	1,199	$	107	$	60	$	—	$	4,006
Ending balance:
Collectively evaluated for impairment	$	2,525	$	7,785	$	4,581	$	242	$	186	$	417	$	15,736
Ending Balance	$	2,811	$	10,139	$	5,780	$	349	$	246	$	417	$	19,742
Loan balances outstanding:
Ending balance:
Individually evaluated for impairment	$	5,420	$	13,941	$	6,127	$	541	$	61			$	26,090
Ending balance:
Collectively evaluated for impairment	$	95,241	$	420,867	$	244,471	$	19,136	$	9,748			$	789,463
Ending Balance	$	100,661	$	434,808	$	250,598	$	19,677	$	9,809			$	815,553

Credit Exposures by Internally Assigned Grades

June 30, 2013	Commercial & Agriculture		Commercial Real Estate		Residential Real Estate		Real Estate Construction		Consumer		Total
Pass	$	100,167	$	390,243	$	90,012	$	18,235	$	740	$	599,397
Special Mention		2,151		5,002		724		—		—		7,877
Substandard		8,233		26,020		15,216		766		74		50,309
Doubtful		—		—		—		—		—		—
Ending Balance	$	110,551	$	421,265	$	105,952	$	19,001	$	814	$	657,583

December 31, 2012	Commercial & Agriculture		Commercial Real Estate		Residential Real Estate		Real Estate Construction		Consumer		Total
Pass	$	90,159	$	397,657	$	89,896	$	16,594	$	994	$	595,300
Special Mention		1,653		6,371		1,944		352		—		10,320
Substandard		8,849		30,780		12,873		1,001		106		53,609
Doubtful		—		—		—		—		—		—
Ending Balance	$	100,661	$	434,808	$	104,713	$	17,947	$	1,100	$	659,229

Performing and Nonperforming Loans

Certain TDRs are classified as nonperforming at the time of restructure and may only be returned to performing status after considering the borrower’s sustained repayment performance for a reasonable period, generally six months.

	Residential Real Estate		Real Estate Construction		Consumer		Total
June 30, 2013
Performing	$	140,344	$	3,650	$	8,529	$	152,523
Nonperforming		—		—		—		—
Total	$	140,344	$	3,650	$	8,529	$	152,523
	Residential Real Estate		Real Estate Construction		Consumer		Total
December 31, 2012
Performing	$	145,879	$	1,730	$	8,696	$	156,305
Nonperforming		6		—		13		19
Total	$	145,885	$	1,730	$	8,709	$	156,324

Aging Analysis of Past Due Loans

The following table includes an aging analysis of the recorded investment of past due loans outstanding as of June 30, 2013 and December 31, 2012.

June 30, 2013	30-59 Days Past Due		60-89 Days Past Due		90 Days or Greater		Total Past Due		Current		Total Loans		Past Due 90 Days and Accruing
Commericial & Agriculture	$	83	$	1,224	$	822	$	2,129	$	108,422	$	110,551	$	—
Commercial Real Estate		895		163		6,052		7,110		414,155		421,265		—
Residential Real Estate		632		640		6,158		7,430		238,866		246,296		—
Real Estate Construction		—		—		243		243		22,408		22,651		—
Consumer		60		21		16		97		9,246		9,343		—
Total	$	1,670	$	2,048	$	13,291	$	17,009	$	793,097	$	810,106	$	—

December 31, 2012	30-59 Days Past Due		60-89 Days Past Due		90 Days or Greater		Total Past Due		Current		Total Loans		Past Due 90 Days and Accruing
Commericial & Agriculture	$	31	$	72	$	553	$	656	$	100,005	$	100,661	$	—
Commercial Real Estate		1,000		533		6,794		8,327		426,481		434,808		80
Residential Real Estate		2,843		1,214		8,527		12,584		238,014		250,598		—
Real Estate Construction		43		—		416		459		19,218		19,677		—
Consumer		127		20		29		176		9,633		9,809		—
Total	$	4,044	$	1,839	$	16,319	$	22,202	$	793,351	$	815,553	$	80

Summary of Nonaccrual Loans

The following table presents loans on nonaccrual status as of June 30, 2013 and December 31, 2012.

	June 30, 2013		December 31, 2012
Commericial & Agriculture	$	2,771	$	2,869
Commercial Real Estate		13,732		16,250
Residential Real Estate		10,555		9,701
Real Estate Construction		723		958
Consumer		36		77
Total	$	27,817	$	29,855

Schedule of Troubled Debt Restructurings

Loan modifications that are considered troubled debt restructurings (TDRs) completed during the six month periods ended June 30, 2013 and June 30, 2012 were as follows:

	For the Six-Month Period Ended June 30, 2013						For the Six-Month Period Ended June 30, 2012
	Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment		Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment
Commericial & Agriculture		—	$	—	$	—		4	$	487	$	479
Commercial Real Estate		1		125		125		3		1,206		1,206
Residential Real Estate		—		—		—		20		865		786
Real Estate Construction		—		—		—		—		—		—
Consumer and Other		—		—		—		4		46		46
Total Loan Modifications		1	$	125	$	125		31	$	2,604	$	2,517

Loan modifications that are considered troubled debt restructurings (TDRs) completed during the quarter ended June 30, 2013 and June 30, 2012 were as follows:

	For the Three-Month Period Ended June 30, 2013						For the Three-Month Period Ended June 30, 2012
	Number of Contracts		Pre-Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment		Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment
Commericial & Agriculture		—	$	—	$	—		1	$	442	$	442
Commercial Real Estate		—		—		—		—		—		—
Residential Real Estate		—		—		—		15		865		786
Real Estate Construction		—		—		—		—		—		—
Consumer and Other		—		—		—		4		46		46
Total Loan Modifications		—	$	—	$	—		20	$	1,353	$	1,274

Impaired Financing Receivables

The following tables include the recorded investment and unpaid principal balances for impaired financing receivables with the associated allowance amount, if applicable, as of June 30, 2013 and December 31, 2012.

	June 30, 2013						December 31, 2012
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance recorded:
Commericial & Agriculture	$	1,472	$	1,608	$	—	$	5,053	$	5,226	$	—
Commercial Real Estate		7,254		9,490		—		5,446		8,114		—
Residential Real Estate		3,286		6,077		—		2,566		5,346		—
Real Estate Construction		—		—		—		—		521		—
Consumer and Other		—		—		—		1		1		—
Total		12,012		17,175		—		13,066		19,208		—
With an allowance recorded:
Commericial & Agriculture		3,484		3,588		1,384		367		385		286
Commercial Real Estate		5,334		5,750		1,081		8,495		8,681		2,354
Residential Real Estate		2,438		2,587		800		3,561		4,554		1,199
Real Estate Construction		480		497		58		541		547		107
Consumer and Other		22		22		1		60		60		60
Total		11,758		12,444		3,324		13,024		14,227		4,006
Total:
Commericial & Agriculture		4,956		5,196		1,384		5,420		5,611		286
Commercial Real Estate		12,588		15,240		1,081		13,941		16,795		2,354
Residential Real Estate		5,724		8,664		800		6,127		9,900		1,199
Real Estate Construction		480		497		58		541		1,068		107
Consumer and Other		22		22		1		61		61		60
Total	$	23,770	$	29,619	$	3,324	$	26,090	$	33,435	$	4,006

The following tables include the average recorded investment and interest income recognized for impaired financing receivables for the three month and six month periods ended June 30, 2013 and 2012.

For the six months ended:

	June 30, 2013				June 30, 2012
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Commericial & Agriculture	$	5,178	$	131	$	4,372	$	180
Commercial Real Estate		13,292		409		16,832		703
Residential Real Estate		5,794		269		4,010		245
Real Estate Construction		503		11		414		2
Consumer and Other		40		—		16		—
Total	$	24,807	$	820	$	25,644	$	1,130

For the three months ended:

	June 30, 2013				June 30, 2012
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Commericial & Agriculture	$	5,125	$	63	$	4,610	$	90
Commercial Real Estate		12,855		204		16,471		444
Residential Real Estate		5,671		126		4,092		167
Real Estate Construction		483		6		33		1
Consumer and Other		31		—		23		—
Total	$	24,165	$	399	$	25,229	$	702