v2.4.0.6

Loans and Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2012

Loans and Allowance for Loan Losses [Abstract]

Summary of Loans

Loans are stated at the principal amount outstanding net of unearned discounts, unearned income and allowance for loan losses.  Unearned income includes deferred loan origination fees reduced by loan origination costs and is amortized to interest income over the life of the related loan using methods that approximated the effective interest rate method.  Interest on substantially all loans is credited to income based on the principal amount outstanding. A summary of loans at June 30, 2012 and December 31, 2011 follows (in thousands):

		June 30, 2012				December 31, 2011
Construction and land development		$	18,663			$	23,136
Farm loans			78,274				72,586
1-4 Family residential properties			186,684				180,738
Multifamily residential properties			31,067				19,847
Commercial real estate			304,369				321,908
Loans secured by real estate			619,057				618,215
Agricultural loans			56,436				63,182
Commercial and industrial loans			144,673				150,631
Consumer loans			15,839				16,274
All other loans			8,870				11,430
Gross loans			844,875				859,732
Less:
Net deferred loan fees, premiums and discounts			435				704
Allowance for loan losses			11,455				11,120
Net loans		$	832,985			$	847,908

Allowance for Loan Losses and Recorded Investment in Loans

The following tables present the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method for the three and six-months ended June 30, 2012 and 2011 and for the year ended December 31, 2011 (in thousands):

Three months ended June 30, 2012		Commercial/ Commercial Real Estate				Agricultural/ Agricultural Real Estate				Residential Real Estate				Consumer				Unallocated				Total
Allowance for loan losses:
Balance, beginning of period		$	8,810			$	570			$	710			$	386			$	817			$	11,293
Provision charged to expense			453				76				68				27				(208	)			416
Losses charged off			(295	)			(12	)			(44	)			(47	)			-				(398	)
Recoveries			39				67				9				29				-				144
Balance, end of period		$	9,007			$	701			$	743			$	395			$	609			$	11,455
Ending balance:
Individually evaluated for impairment		$	645			$	89			$	-			$	-			$	-			$	734
Collectively evaluated for impairment		$	8,362			$	612			$	743			$	395			$	609			$	10,721
Loans acquired with deteriorated
credit quality		$	-			$	-			$	-			$	-			$	-			$	-
Three months ended June 30, 2011
Allowance for loan losses:
Balance, beginning of period		$	8,737			$	360			$	448			$	403			$	703			$	10,651
Provision charged to expense			377				196				63				14				266				916
Losses charged off			(877	)			-				(49	)			(40	)			-				(966	)
Recoveries			75				-				-				19				-				94
Balance, end of period		$	8,312			$	556			$	462			$	396			$	969			$	10,695
Ending balance:
Individually evaluated for impairment		$	661			$	-			$	-			$	-			$	-			$	661
Collectively evaluated for impairment		$	7,651			$	556			$	462			$	396			$	969			$	10,034
Loans acquired with deteriorated
credit quality		$	-			$	-			$	-			$	-			$	-			$	-

Six months ended June 30, 2012
Allowance for loan losses:
Balance, beginning of year		$	8,791			$	546			$	636			$	378			$	769			$	11,120
Provision charged to expense			748				100				291				52				(160	)			1,031
Losses charged off			(598	)			(12	)			(205	)			(95	)			-				(910	)
Recoveries			66				67				21				60				-				214
Balance, end of period		$	9,007			$	701			$	743			$	395			$	609			$	11,455
Ending balance:
Individually evaluated for impairment		$	645			$	89			$	-			$	-			$	-			$	734
Collectively evaluated for impairment		$	8,362			$	612			$	743			$	395			$	609			$	10,721
Loans acquired with deteriorated
credit quality		$	-			$	-			$	-			$	-			$	-			$	-
Loans:
Ending balance		$	517,406			$	132,611			$	179,577			$	15,600			$	731			$	845,925
Ending balance:
Individually evaluated for impairment		$	4,487			$	947			$	-			$	-			$	-			$	5,434
Collectively evaluated for impairment		$	512,919			$	131,664			$	179,577			$	15,600			$	731			$	840,491
Loans acquired with deteriorated
credit quality		$	-			$	-			$	-			$	-			$	-			$	-

Six months ended June 30, 2011
Allowance for loan losses:
Balance, beginning of year		$	8,307			$	404			$	440			$	392			$	850			$	10,393
Provision charged to expense			1,468				152				84				33				119				1,856
Losses charged off			(1,569	)			-				(63	)			(76	)			-				(1,708	)
Recoveries			106				-				1				47				-				154
Balance, end of period		$	8,312			$	556			$	462			$	396			$	969			$	10,695
Ending balance:
Individually evaluated for impairment		$	661			$	-			$	-			$	-			$	-			$	661
Collectively evaluated for impairment		$	7,651			$	556			$	462			$	396			$	969			$	10,034
Loans acquired with deteriorated
credit quality		$	-			$	-			$	-			$	-			$	-			$	-
Loans:
Ending balance		$	466,332			$	109,788			$	186,522			$	17,471			$	20,379			$	800,492
Ending balance:
Individually evaluated for impairment		$	7,411			$	1,149			$	-			$	-			$	-			$	8,560
Collectively evaluated for impairment		$	458,921			$	108,639			$	186,522			$	17,471			$	20,379			$	791,932
Loans acquired with deteriorated
credit quality		$	-			$	-			$	-			$	-			$	-			$	-
Year ended December 31, 2011
Allowance for loan losses:
Balance, beginning of year		$	8,307			$	404			$	440			$	392			$	850			$	10,393
Provision charged to expense			2,309				205				546				122				(81	)			3,101
Losses charged off			(3,077	)			(66	)			(363	)			(254	)			-				(3,760	)
Recoveries			1,252				3				13				118				-				1,386
Balance, end of year		$	8,791			$	546			$	636			$	378			$	769			$	11,120
Ending balance:
Individually evaluated for impairment		$	575			$	-			$	-			$	-			$	-			$	575
Collectively evaluated for impairment		$	8,216			$	546			$	636			$	378			$	769			$	10,545
Loans acquired with deteriorated
credit quality		$	-			$	-			$	-			$	-			$	-			$	-
Loans:
Ending balance		$	505,693			$	130,595			$	185,151			$	16,270			$	22,365			$	860,074
Ending balance:
Individually evaluated for impairment		$	4,719			$	1,149			$	-			$	-			$	-			$	5,868
Collectively evaluated for impairment		$	500,974			$	129,446			$	185,151			$	16,270			$	22,365			$	854,206
Loans acquired with deteriorated
credit quality		$	-			$	-			$	-			$	-			$	-			$	-

Credit Risk Profile of the Company's Loan Portfolio

Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered pass rated loans. The following tables present the credit risk profile of the Company's loan portfolio based on rating category and payment activity as of June 30, 2012 and December 31, 2011 (in thousands):

		Construction & Land Development								Farm Loans								1-4 Family Residential Properties								Multifamily Residential Properties
		2012				2011				2012				2011				2012				2011				2012				2011
Pass		$	15,060			$	19,708			$	73,582			$	67,637			$	185,236			$	180,247			$	30,860			$	19,638
Watch			2,162				2,168				2,514				2,496				435				497				-				-
Substandard			1,441				1,260				2,188				2,452				2,582				1,105				207				208
Doubtful			-				-				-				-				-				-				-				-
Total		$	18,663			$	23,136			$	78,284			$	72,585			$	188,253			$	181,849			$	31,067			$	19,846

		Commercial Real Estate (Nonfarm/Nonresidential)								Agricultural Loans								Commercial & Industrial Loans								Consumer Loans
		2012				2011				2012				2011				2012				2011				2012				2011
Pass		$	274,571			$	288,539			$	51,481			$	58,133			$	141,679			$	147,591			$	15,824			$	16,271
Watch			24,026				24,664				1,569				1,840				1,278				280				-				-
Substandard			5,086				7,798				3,460				3,284				1,815				2,845				14				-
Doubtful			-				-				-				-				-				-				-				-
Total		$	303,683			$	321,001			$	56,510			$	63,257			$	144,772			$	150,716			$	15,838			$	16,271

		All Other Loans								Total Loans
		2012				2011				2012				2011
Pass		$	8,855			$	11,413			$	797,148			$	809,177
Watch			-				-				31,984				31,945
Substandard			-				-				16,793				18,952
Doubtful			-				-				-				-
Total		$	8,855			$	11,413			$	845,925			$	860,074

Loan Portfolio Aging Analysis

The following table presents the Company's loan portfolio aging analysis at June 30, 2012 and December 31, 2011 (in thousands):

June 30, 2012		30-59 days Past Due				60-89 days Past Due				90 Days or More Past Due				Total Past Due				Current				Total Loans Receivable				Total Loans > 90 days & Accruing
Construction and land development		$	-			$	-			$	-			$	-			$	18,663			$	18,663			$	-
Farm loans			204				83				70				357				77,927				78,284				-
1-4 Family residential properties			636				543				967				2,146				186,107				188,253				-
Multifamily residential properties			-				-				-				-				31,067				31,067				-
Commercial real estate			617				111				346				1,074				302,609				303,683				-
Loans secured by real estate			1,457				737				1,383				3,577				616,373				619,950				-
Agricultural loans			272				823				58				1,153				55,357				56,510				-
Commercial and industrial loans			258				57				248				563				144,209				144,772				-
Consumer loans			89				29				15				133				15,705				15,838				-
All other loans			-				-				-				-				8,855				8,855				-
Total loans		$	2,076			$	1,646			$	1,704			$	5,426			$	840,499			$	845,925			$	-
December 31, 2011
Construction and land development		$	-			$	-			$	-			$	-			$	23,136			$	23,136			$	-
Farm loans			377				111				737				1,225				71,360				72,585				-
1-4 Family residential properties			1,079				200				1,033				2,312				179,537				181,849				-
Multifamily residential properties			-				-				-				-				19,846				19,846				-
Commercial real estate			399				101				228				728				320,273				321,001				-
Loans secured by real estate			1,855				412				1,998				4,265				614,152				618,417				-
Agricultural loans			-				-				673				673				62,584				63,257				-
Commercial and industrial loans			950				73				585				1,608				149,108				150,716				-
Consumer loans			94				36				7				137				16,134				16,271				-
All other loans			-				-				-				-				11,413				11,413				-
Total loans		$	2,899			$	521			$	3,263			$	6,683			$	853,391			$	860,074			$	-

Impaired Loans

The following tables present impaired loans as of June 30, 2012 and December 31, 2011 (in thousands):

		June 30, 2012												December 31, 2011
		Recorded Balance				Unpaid Principal Balance				Specific Allowance				Recorded Balance				Unpaid Principal Balance				Specific Allowance
Loans with a specific allowance:
Construction and land development		$	1,014			$	1,529			$	407			$	833			$	1,070			$	295
Farm loans			-				-				-				-				-				-
1-4 Family residential properties			67				67				23				71				71				27
Multifamily residential properties			-				-				-				-				-				-
Commercial real estate			597				597				121				1,414				1,693				183
Loans secured by real estate			1,678				2,193				551				2,318				2,834				505
Agricultural loans			312				312				89				-				-				-
Commercial and industrial loans			411				411				94				382				382				70
Consumer loans			-				-				-				-				-				-
All other loans			-				-				-				-				-				-
Total loans		$	2,401			$	2,916			$	734			$	2,700			$	3,216			$	575
Loans without a specific allowance:
Construction and land development		$	-			$	-			$	-			$	-			$	-			$	-
Farm loans			206				206				-				532				532				-
1-4 Family residential properties			1,535				1,862				-				1,641				1,818				-
Multifamily residential properties			-				-				-				-				-				-
Commercial real estate			1,840				1,879				-				1,226				1,256				-
Loans secured by real estate			3,581				3,947				-				3,399				3,606				-
Agricultural loans			553				553				-				673				673				-
Commercial and industrial loans			369				589				-				660				1,255				-
Consumer loans			15				31				-				8				20				-
All other loans			-				-				-				-				-				-
Total loans		$	4,518			$	5,120			$	-			$	4,740			$	5,554			$	-
Total loans:
Construction and land development		$	1,014			$	1,529			$	407			$	833			$	1,070			$	295
Farm loans			206				206				-				532				532				-
1-4 Family residential properties			1,602				1,929				23				1,712				1,889				27
Multifamily residential properties			-				-				-				-				-				-
Commercial real estate			2,437				2,476				121				2,640				2,949				183
Loans secured by real estate			5,259				6,140				551				5,717				6,440				505
Agricultural loans			865				865				89				673				673				-
Commercial and industrial loans			780				1,000				94				1,042				1,637				70
Consumer loans			15				31				-				8				20				-
All other loans			-				-				-				-				-				-
Total loans		$	6,919			$	8,036			$	734			$	7,440			$	8,770			$	575

Impaired loans by portfolio class

The following tables present average recorded investment and interest income recognized on impaired loans for the three and six- month periods ended June 30, 2012 and 2011 (in thousands):

		For the three months ended
		June 30, 2012								June 30, 2011
		Average Investment in Impaired Loans				Interest Income Recognized				Average Investment in Impaired Loans				Interest Income Recognized
Construction and land development		$	1,014			$	-			$	1,430			$	-
Farm loans			206				-				535				-
1-4 Family residential properties			1,621				-				2,320				-
Multifamily residential properties			-				-				-				-
Commercial real estate			2,437				7				4,074				1
Loans secured by real estate			5,278				7				8,359				1
Agricultural loans			864				-				752				-
Commercial and industrial loans			780				3				1,366				-
Consumer loans			15				-				-				-
All other loans			-				-				-				-
Total loans		$	6,937			$	10			$	10,477			$	1

		For the six months ended
		June 30, 2012								June 30, 2011
		Average Investment in Impaired Loans				Interest Income Recognized				Average Investment in Impaired Loans				Interest Income Recognized
Construction and land development		$	1,014			$	-			$	1,422			$	-
Farm loans			206				-				536				-
1-4 Family residential properties			1,632				-				2,331				-
Multifamily residential properties			-				-				-				-
Commercial real estate			2,349				14				4,483				7
Loans secured by real estate			5,201				14				8,772				7
Agricultural loans			883				-				756				-
Commercial and industrial loans			834				7				1,171				-
Consumer loans			17				-				-				-
All other loans			-				-				-				-
Total loans		$	6,935			$	21			$	10,699			$	7

Nonaccrual Loans

The following table presents the Company's recorded balance of nonaccrual loans as June 30, 2012 and December 31, 2011 (in thousands). This table excludes purchased impaired loans and performing troubled debt restructurings.

		June 30, 2012				December 31, 2011
Construction and land development		$	1,014			$	833
Farm loans			206				532
1-4 Family residential properties			1,595				1,712
Multifamily residential properties			-				-
Commercial real estate			2,048				2,245
Loans secured by real estate			4,863				5,322
Agricultural loans			865				673
Commercial and industrial loans			476				720
Consumer loans			15				8
All other loans			-				-
Total loans		$	6,219			$	6,723

Recorded Balance of Troubled Debt Restructurings

The following table presents the Company's recorded balance of troubled debt restructurings at June 30, 2012 (in thousands).

Troubled debt restructurings:		June 30, 2012				December 31, 2011
Construction and land development		$	1,014			$	-
1-4 Family residential properties			471				393
Commercial real estate			1,025				952
Loans secured by real estate			2,510				1,345
Commercial and industrial loans			320				489
Total		$	2,830			$	1,834
Performing troubled debt restructurings:
1-4 Family residential properties		$	7			$	-
Commercial real estate			389				395
Loans secured by real estate			396				395
Commercial and industrial loans			304				322
Total		$	700			$	717

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- Definition

Impaired loans portfolio class

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No definition available.

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

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Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

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Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

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X

- Definition

Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5111-111524

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Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables and troubled debt restructurings.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 34

-URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953682-111524



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 33

-URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953676-111524

+ Details

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