|
Loans and Allowance for Loan Losses (Details) (USD $)
|
3 Months Ended |
6 Months Ended |
12 Months Ended |
|
Jun. 30, 2012
|
Jun. 30, 2011
|
Jun. 30, 2012
|
Jun. 30, 2011
|
Dec. 31, 2011
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Gross loans |
$ 844,875,000 |
|
$ 844,875,000 |
|
$ 859,732,000 |
| Less [Abstract] |
|
|
|
|
|
| Net deferred loan fees, premiums and discounts |
(435,000) |
|
(435,000) |
|
(704,000) |
| Allowance for loan losses |
11,455,000 |
10,695,000 |
11,455,000 |
10,695,000 |
11,120,000 |
| Net loans |
832,985,000 |
|
832,985,000 |
|
847,908,000 |
| Loans held for sale |
1,485,000 |
|
1,485,000 |
|
1,046,000 |
| Number of borrowers limited by federal regulations |
|
|
1 |
|
|
| Impaired Loans [Abstract] |
|
|
|
|
|
| Minimum value of loans individually measured for impairment |
|
|
100,000 |
|
|
| Number of alternatives for measuring impaired loans receivable |
|
|
3 |
|
|
| Adversely Classified Loans [Abstract] |
|
|
|
|
|
| Minimum balance of adversely classified loan in which a detailed analysis is performed |
|
|
100,000 |
|
|
| Non-classified and Watch Loans [Abstract] |
|
|
|
|
|
| Time period used a a base for loss estimations |
|
|
5 years |
|
|
| Allowance for Loan Losses [Abstract] |
|
|
|
|
|
| Balance, beginning of period |
11,293,000 |
10,651,000 |
11,120,000 |
10,393,000 |
10,393,000 |
| Provision charged to expense |
416,000 |
916,000 |
|
1,856,000 |
3,101,000 |
| Losses charged off |
(398,000) |
(966,000) |
|
(1,708,000) |
(3,760,000) |
| Recoveries |
144,000 |
94,000 |
|
154,000 |
1,386,000 |
| Balance, end of period |
11,455,000 |
10,695,000 |
11,455,000 |
10,695,000 |
11,120,000 |
| Ending Balance [Abstract] |
|
|
|
|
|
| Individually evaluated for impairment |
734,000 |
661,000 |
734,000 |
661,000 |
575,000 |
| Collectively evaluated for impairment |
10,721,000 |
10,034,000 |
10,721,000 |
10,034,000 |
10,545,000 |
| Loans acquired with deteriorated credit quality |
0 |
0 |
0 |
0 |
0 |
| Loans [Abstract] |
|
|
|
|
|
| Ending balance |
845,925,000 |
800,492,000 |
845,925,000 |
800,492,000 |
860,074,000 |
| Ending Balance [Abstract] |
|
|
|
|
|
| Individually evaluated for impairment |
5,434,000 |
8,560,000 |
5,434,000 |
8,560,000 |
5,868,000 |
| Collectively evaluated for impairment |
840,491,000 |
791,932,000 |
840,491,000 |
791,932,000 |
854,206,000 |
| Loans acquired with deteriorated credit quality |
|
0 |
|
0 |
0 |
|
Construction and Land Development [Member]
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Gross loans |
18,663,000 |
|
18,663,000 |
|
23,136,000 |
|
Farm Loans [Member]
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Gross loans |
78,274,000 |
|
78,274,000 |
|
72,586,000 |
|
1-4 Family Residential Properties [Member]
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Gross loans |
186,684,000 |
|
186,684,000 |
|
180,738,000 |
|
Multifamily Residential Properties [Member]
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Gross loans |
31,067,000 |
|
31,067,000 |
|
19,847,000 |
|
Commercial Real Estate [Member]
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Gross loans |
304,369,000 |
|
304,369,000 |
|
321,908,000 |
| Loans Receivable Additional Information [Abstract] |
|
|
|
|
|
| Debt coverage ratio |
|
|
1.2x |
|
|
| Amortization period of loans |
|
|
25 years |
|
|
|
Commercial Real Estate [Member] | Minimum [Member]
|
|
|
|
|
|
| Loans Receivable Additional Information [Abstract] |
|
|
|
|
|
| Maximum Loan-to-value Ratio (in hundredths) |
|
|
65.00% |
|
|
|
Commercial Real Estate [Member] | Maximum [Member]
|
|
|
|
|
|
| Loans Receivable Additional Information [Abstract] |
|
|
|
|
|
| Maximum Loan-to-value Ratio (in hundredths) |
|
|
80.00% |
|
|
|
Loans Secured by Real Estate [Member]
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Gross loans |
619,057,000 |
|
619,057,000 |
|
618,215,000 |
|
Agricultural Loans [Member]
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Gross loans |
56,436,000 |
|
56,436,000 |
|
63,182,000 |
|
Commercial and Industrial Loans [Member]
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Gross loans |
144,673,000 |
|
144,673,000 |
|
150,631,000 |
| Loans Receivable Additional Information [Abstract] |
|
|
|
|
|
| Maximum Loan-to-value Ratio (in hundredths) |
|
|
80.00% |
|
|
| Amortization period of loans |
|
|
7 years |
|
|
| Loans Receivable, Time Period |
|
|
1 year |
|
|
|
Consumer Loans [Member]
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Gross loans |
15,839,000 |
|
15,839,000 |
|
16,274,000 |
| Less [Abstract] |
|
|
|
|
|
| Allowance for loan losses |
395,000 |
396,000 |
395,000 |
396,000 |
378,000 |
| Allowance for Loan Losses [Abstract] |
|
|
|
|
|
| Balance, beginning of period |
386,000 |
403,000 |
378,000 |
392,000 |
392,000 |
| Provision charged to expense |
27,000 |
14,000 |
52,000 |
33,000 |
122,000 |
| Losses charged off |
(47,000) |
(40,000) |
(95,000) |
(76,000) |
(254,000) |
| Recoveries |
29,000 |
19,000 |
60,000 |
47,000 |
118,000 |
| Balance, end of period |
395,000 |
396,000 |
395,000 |
396,000 |
378,000 |
| Ending Balance [Abstract] |
|
|
|
|
|
| Individually evaluated for impairment |
0 |
0 |
0 |
0 |
0 |
| Collectively evaluated for impairment |
395,000 |
396,000 |
395,000 |
396,000 |
378,000 |
| Loans acquired with deteriorated credit quality |
0 |
0 |
0 |
0 |
0 |
| Loans [Abstract] |
|
|
|
|
|
| Ending balance |
15,600,000 |
17,471,000 |
15,600,000 |
17,471,000 |
16,270,000 |
| Ending Balance [Abstract] |
|
|
|
|
|
| Individually evaluated for impairment |
0 |
0 |
0 |
0 |
0 |
| Collectively evaluated for impairment |
15,600,000 |
17,471,000 |
15,600,000 |
17,471,000 |
16,270,000 |
| Loans acquired with deteriorated credit quality |
0 |
0 |
0 |
0 |
0 |
|
All Other Loans [Member]
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Gross loans |
8,870,000 |
|
8,870,000 |
|
11,430,000 |
|
Agricultural and Farm Loans [Member]
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Gross loans |
134,700,000 |
|
134,700,000 |
|
135,800,000 |
| Less [Abstract] |
|
|
|
|
|
| Decrease in loans receivable |
|
|
1,100,000 |
|
|
| Loans Receivable Additional Information [Abstract] |
|
|
|
|
|
| Maximum Loan-to-value Ratio (in hundredths) |
|
|
70.00% |
|
|
| Amortization period of loans |
|
|
25 years |
|
|
| Loans Receivable, Time Period |
|
|
1 year |
|
|
|
Other Grain Farming [Member]
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Gross loans |
117,400,000 |
|
117,400,000 |
|
120,100,000 |
| Less [Abstract] |
|
|
|
|
|
| Decrease in loans receivable |
|
|
2,700,000 |
|
|
|
Motels and Hotels Loans [Member]
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Gross loans |
46,100,000 |
|
46,100,000 |
|
|
|
Residential Real Estate [Member]
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Gross loans |
89,700,000 |
|
89,700,000 |
|
|
| Less [Abstract] |
|
|
|
|
|
| Allowance for loan losses |
743,000 |
462,000 |
743,000 |
462,000 |
636,000 |
| Loans Receivable Additional Information [Abstract] |
|
|
|
|
|
| Maximum Loan-to-value Ratio (in hundredths) |
|
|
80.00% |
|
|
| Amortization period of loans |
|
|
25 years |
|
|
| Balloon period |
|
|
5 years |
|
|
| Allowance for Loan Losses [Abstract] |
|
|
|
|
|
| Balance, beginning of period |
710,000 |
448,000 |
636,000 |
440,000 |
440,000 |
| Provision charged to expense |
68,000 |
63,000 |
291,000 |
84,000 |
546,000 |
| Losses charged off |
(44,000) |
(49,000) |
(205,000) |
(63,000) |
(363,000) |
| Recoveries |
9,000 |
0 |
21,000 |
1,000 |
13,000 |
| Balance, end of period |
743,000 |
462,000 |
743,000 |
462,000 |
636,000 |
| Ending Balance [Abstract] |
|
|
|
|
|
| Individually evaluated for impairment |
0 |
0 |
0 |
0 |
0 |
| Collectively evaluated for impairment |
743,000 |
462,000 |
743,000 |
462,000 |
636,000 |
| Loans acquired with deteriorated credit quality |
0 |
0 |
0 |
0 |
0 |
| Loans [Abstract] |
|
|
|
|
|
| Ending balance |
179,577,000 |
186,522,000 |
179,577,000 |
186,522,000 |
185,151,000 |
| Ending Balance [Abstract] |
|
|
|
|
|
| Individually evaluated for impairment |
0 |
0 |
0 |
0 |
0 |
| Collectively evaluated for impairment |
179,577,000 |
186,522,000 |
179,577,000 |
186,522,000 |
185,151,000 |
| Loans acquired with deteriorated credit quality |
0 |
0 |
0 |
0 |
0 |
|
Residential Buildings [Member]
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Gross loans |
43,600,000 |
|
43,600,000 |
|
|
|
Unallocated [Member]
|
|
|
|
|
|
| Less [Abstract] |
|
|
|
|
|
| Allowance for loan losses |
609,000 |
969,000 |
609,000 |
969,000 |
769,000 |
| Allowance for Loan Losses [Abstract] |
|
|
|
|
|
| Balance, beginning of period |
817,000 |
703,000 |
769,000 |
850,000 |
850,000 |
| Provision charged to expense |
(208,000) |
266,000 |
(160,000) |
119,000 |
(81,000) |
| Losses charged off |
0 |
0 |
0 |
0 |
0 |
| Recoveries |
0 |
0 |
0 |
0 |
0 |
| Balance, end of period |
609,000 |
969,000 |
609,000 |
969,000 |
769,000 |
| Ending Balance [Abstract] |
|
|
|
|
|
| Individually evaluated for impairment |
0 |
0 |
0 |
0 |
0 |
| Collectively evaluated for impairment |
609,000 |
969,000 |
609,000 |
969,000 |
769,000 |
| Loans acquired with deteriorated credit quality |
0 |
0 |
0 |
0 |
0 |
| Loans [Abstract] |
|
|
|
|
|
| Ending balance |
731,000 |
20,379,000 |
731,000 |
20,379,000 |
22,365,000 |
| Ending Balance [Abstract] |
|
|
|
|
|
| Individually evaluated for impairment |
0 |
0 |
0 |
0 |
0 |
| Collectively evaluated for impairment |
731,000 |
20,379,000 |
731,000 |
20,379,000 |
22,365,000 |
| Loans acquired with deteriorated credit quality |
0 |
0 |
0 |
0 |
0 |
|
Unsecured Open-end Loans [Member]
|
|
|
|
|
|
| Ending Balance [Abstract] |
|
|
|
|
|
| Period When Loans are Charged-down |
|
|
180 days |
|
|
|
Other Secured Loans [Member]
|
|
|
|
|
|
| Ending Balance [Abstract] |
|
|
|
|
|
| Period When Loans are Charged-down |
|
|
120 days |
|
|
|
Commercial/Commercial Real Estate [Member]
|
|
|
|
|
|
| Less [Abstract] |
|
|
|
|
|
| Allowance for loan losses |
9,007,000 |
8,312,000 |
9,007,000 |
8,312,000 |
8,791,000 |
| Allowance for Loan Losses [Abstract] |
|
|
|
|
|
| Balance, beginning of period |
8,810,000 |
8,737,000 |
8,791,000 |
8,307,000 |
8,307,000 |
| Provision charged to expense |
453,000 |
377,000 |
748,000 |
1,468,000 |
2,309,000 |
| Losses charged off |
(295,000) |
(877,000) |
(598,000) |
(1,569,000) |
(3,077,000) |
| Recoveries |
39,000 |
75,000 |
66,000 |
106,000 |
1,252,000 |
| Balance, end of period |
9,007,000 |
8,312,000 |
9,007,000 |
8,312,000 |
8,791,000 |
| Ending Balance [Abstract] |
|
|
|
|
|
| Individually evaluated for impairment |
645,000 |
661,000 |
645,000 |
661,000 |
575,000 |
| Collectively evaluated for impairment |
8,362,000 |
7,651,000 |
8,362,000 |
7,651,000 |
8,216,000 |
| Loans acquired with deteriorated credit quality |
0 |
0 |
0 |
0 |
0 |
| Loans [Abstract] |
|
|
|
|
|
| Ending balance |
517,406,000 |
466,332,000 |
517,406,000 |
466,332,000 |
505,693,000 |
| Ending Balance [Abstract] |
|
|
|
|
|
| Individually evaluated for impairment |
4,487,000 |
7,411,000 |
4,487,000 |
7,411,000 |
4,719,000 |
| Collectively evaluated for impairment |
512,919,000 |
458,921,000 |
512,919,000 |
458,921,000 |
500,974,000 |
| Loans acquired with deteriorated credit quality |
0 |
0 |
0 |
0 |
0 |
|
Agriculture/Agricultural Real Estate [Member]
|
|
|
|
|
|
| Less [Abstract] |
|
|
|
|
|
| Allowance for loan losses |
701,000 |
556,000 |
701,000 |
556,000 |
546,000 |
| Allowance for Loan Losses [Abstract] |
|
|
|
|
|
| Balance, beginning of period |
570,000 |
360,000 |
546,000 |
404,000 |
404,000 |
| Provision charged to expense |
76,000 |
196,000 |
100,000 |
152,000 |
205,000 |
| Losses charged off |
(12,000) |
0 |
(12,000) |
0 |
(66,000) |
| Recoveries |
67,000 |
0 |
67,000 |
0 |
3,000 |
| Balance, end of period |
701,000 |
556,000 |
701,000 |
556,000 |
546,000 |
| Ending Balance [Abstract] |
|
|
|
|
|
| Individually evaluated for impairment |
89,000 |
0 |
89,000 |
0 |
0 |
| Collectively evaluated for impairment |
612,000 |
556,000 |
612,000 |
556,000 |
546,000 |
| Loans acquired with deteriorated credit quality |
0 |
0 |
0 |
0 |
0 |
| Loans [Abstract] |
|
|
|
|
|
| Ending balance |
132,611,000 |
109,788,000 |
132,611,000 |
109,788,000 |
130,595,000 |
| Ending Balance [Abstract] |
|
|
|
|
|
| Individually evaluated for impairment |
947,000 |
1,149,000 |
947,000 |
1,149,000 |
1,149,000 |
| Collectively evaluated for impairment |
131,664,000 |
108,639,000 |
131,664,000 |
108,639,000 |
129,446,000 |
| Loans acquired with deteriorated credit quality |
$ 0 |
$ 0 |
$ 0 |
$ 0 |
$ 0 |