Loans

12 Months Ended

Dec. 31, 2015

Receivables [Abstract]

Loans

NOTE 4 - LOANS

Loans at year-end were as follows:

	2015			2014
Commercial and Agriculture	$	124,402		$	113,265
Commercial Real Estate - owner occupied		167,897			143,014
Commercial Real Estate - non-owner occupied		348,439			308,666
Residential Real Estate		236,338			214,537
Real Estate Construction		58,898			65,452
Farm Real Estate		46,993			53,973
Consumer and Other		18,560			15,950
Total Loans		1,001,527			914,857
Allowance for loan losses		(14,361	)		(14,268	)
Net loans	$	987,166		$	900,589

Included in total loans above are deferred loan fees of $78 at December 31, 2015 and $237 at December 31, 2014.

Included in the totals above are loans acquired from TCNB at the acquisition date, net of fair value adjustments, of:

	March 6,
	2015
Commercial and Agriculture	$	13,799
Commercial Real Estate:
Owner Occupied		23,029
Non-Owner Occupied		13,411
Residential Real Estate		17,541
Real Estate Construction		3,863
Farm Real Estate		397
Consumer and Other		4,404
Net loans	$	76,444

Loans to principal officers, directors, and their affiliates at year-end 2015 and 2014 were as follows:

	2015			2014
Balance - Beginning of year	$	7,031		$	9,294
New loans and advances		2,147			2,700
Repayments		(2,947	)		(2,792	)
Effect of changes to related parties		8,916			(2,171	)
Balance - End of year	$	15,147		$	7,031