Loans (Tables)

9 Months Ended

Sep. 30, 2016


	September 30, 2016		December 31, 2015
Commercial	$	169,824	$	130,362
Real estate - commercial		617,280		605,721
Real estate - construction		28,786		19,806
Real estate - residential		357,846		351,007
Consumer		3,325		4,216
Overdraft		403		483
Lease financing receivables		14,210		10,953
Other		10,114		10,130
		1,201,788		1,132,678
Net deferred loan costs		1,064		1,037
Total loans	$	1,202,852	$	1,133,715


															Recorded
															Investment
															90 days or
					90 Days or										Greater Past
	30-59 Days		60-89 Days		Greater Past		Total Past								Due and
September 30, 2016	Past Due		Past Due		Due		Due		Current		Nonaccrual		Total Loans		Accruing
Commercial1	$	182	$	-	$	-	$	182	$	183,269	$	583	$	184,034	$	-
Real estate - commercial
Owner occupied general purpose		96		-		-		96		125,733		1,492		127,321		-
Owner occupied special purpose		-		-		-		-		167,664		397		168,061		-
Non-owner occupied general purpose		789		-		-		789		159,923		2,463		163,175		-
Non-owner occupied special purpose		-		-		-		-		103,990		1,013		105,003		-
Retail properties		-		-		-		-		37,685		1,980		39,665		-
Farm		22		1,350		-		1,372		12,683		-		14,055		-
Real estate - construction
Homebuilder		-		-		-		-		612		-		612		-
Land		-		-		-		-		1,237		-		1,237		-
Commercial speculative		-		-		-		-		8,901		76		8,977		-
All other		102		-		-		102		17,858		-		17,960		-
Real estate - residential
Investor		419		132		454		1,005		129,302		910		131,217		454
Owner occupied		-		70		-		70		119,854		5,654		125,578		-
Revolving and junior liens		112		102		29		243		98,640		2,168		101,051		29
Consumer		10		-		-		10		3,315		-		3,325		-
Other2		-		-		-		-		11,581		-		11,581		-
Total	$	1,732	$	1,654	$	483	$	3,869	$	1,182,247	$	16,736	$	1,202,852	$	483


															Recorded
															Investment
															90 days or
					90 Days or										Greater Past
	30-59 Days		60-89 Days		Greater Past		Total Past								Due and
December 31, 2015	Past Due		Past Due		Due		Due		Current		Nonaccrual		Total Loans		Accruing
Commercial1	$	394	$	-	$	-	$	394	$	140,848	$	73	$	141,315	$	-
Real estate - commercial
Owner occupied general purpose		652		119		-		771		123,479		1,254		125,504		-
Owner occupied special purpose		358		-		-		358		170,827		763		171,948		-
Non-owner occupied general purpose		-		-		-		-		166,668		975		167,643		-
Non-owner occupied special purpose		-		-		-		-		92,387		-		92,387		-
Retail properties		-		-		-		-		34,352		-		34,352		-
Farm		-		-		-		-		12,615		1,272		13,887		-
Real estate - construction
Homebuilder		-		-		-		-		2,604		-		2,604		-
Land		-		-		-		-		1,137		-		1,137		-
Commercial speculative		-		-		-		-		2,117		83		2,200		-
All other		6		77		65		148		13,717		-		13,865		65
Real estate - residential
Investor		101		-		-		101		125,611		972		126,684		-
Owner occupied		1,083		446		-		1,529		110,885		6,378		118,792		-
Revolving and junior liens		344		68		-		412		102,500		2,619		105,531		-
Consumer		4		-		-		4		4,212		-		4,216		-
Other2		-		-		-		-		11,650		-		11,650		-
Total	$	2,942	$	710	$	65	$	3,717	$	1,115,609	$	14,389	$	1,133,715	$	65

1 The “Commercial” class includes lease financing receivables.

2 The “Other” class includes overdrafts and net deferred costs.


September 30, 2016			Special
	Pass		Mention		Substandard 1		Doubtful		Total
Commercial	$	177,082	$	4,650	$	2,302	$	-	$	184,034
Real estate - commercial
Owner occupied general purpose		124,359		645		2,317		-		127,321
Owner occupied special purpose		165,333		2,330		398		-		168,061
Non-owner occupied general purpose		160,463		249		2,463		-		163,175
Non-owner occupied special purpose		100,191		-		4,812		-		105,003
Retail Properties		36,435		-		3,230		-		39,665
Farm		11,014		1,240		1,801		-		14,055
Real estate - construction
Homebuilder		612		-		-		-		612
Land		1,237		-		-		-		1,237
Commercial speculative		8,901		-		76		-		8,977
All other		17,782		-		178		-		17,960
Real estate - residential
Investor		130,046		-		1,171		-		131,217
Owner occupied		119,146		-		6,432		-		125,578
Revolving and junior liens		97,973		-		3,078		-		101,051
Consumer		3,324		-		1		-		3,325
Other		11,554		27		-		-		11,581
Total	$	1,165,452	$	9,141	$	28,259	$	-	$	1,202,852


December 31, 2015			Special
	Pass		Mention		Substandard 1		Doubtful		Total
Commercial	$	136,078	$	3,208	$	2,029	$	-	$	141,315
Real estate - commercial
Owner occupied general purpose		123,827		-		1,677		-		125,504
Owner occupied special purpose		171,185		-		763		-		171,948
Non-owner occupied general purpose		163,956		1,908		1,779		-		167,643
Non-owner occupied special purpose		88,468		-		3,919		-		92,387
Retail Properties		30,432		1,490		2,430		-		34,352
Farm		12,615		-		1,272		-		13,887
Real estate - construction
Homebuilder		2,604		-		-		-		2,604
Land		1,137		-		-		-		1,137
Commercial speculative		2,117		-		83		-		2,200
All other		13,865		-		-		-		13,865
Real estate - residential
Investor		125,548		-		1,136		-		126,684
Owner occupied		111,713		-		7,079		-		118,792
Revolving and junior liens		102,476		-		3,055		-		105,531
Consumer		4,215		-		1		-		4,216
Other		11,650		-		-		-		11,650
Total	$	1,101,886	$	6,606	$	25,223	$	-	$	1,133,715

1 The substandard credit quality indicator includes both potential problem loans that are currently performing and nonperforming loans.


							Nine Months Ended
	As of September 30, 2016						September 30, 2016
			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
	Investment		Balance		Allowance		Investment		Recognized
With no related allowance recorded
Commercial	$	382	$	464	$	-	$	226	$	-
Commercial real estate
Owner occupied general purpose		2,509		2,807		-		2,412		66
Owner occupied special purpose		397		525		-		580		-
Non-owner occupied general purpose		2,263		2,458		-		1,655		2
Non-owner occupied special purpose		1,013		1,649		-		506		-
Retail properties		1,980		2,364		-		990		-
Farm		-		-		-		636		-
Construction
Homebuilder		-		-		-		-		-
Land		-		-		-		-		-
Commercial speculative		76		83		-		80		-
All other		-		-		-		-		-
Residential
Investor		1,822		2,156		-		1,864		35
Owner occupied		9,294		10,720		-		9,916		120
Revolving and junior liens		2,322		3,336		-		2,527		9
Consumer		201		268		-		100		-
Total impaired loans with no recorded allowance		22,259		26,830		-		21,492		232

With an allowance recorded
Commercial		-		-		-		2		-
Commercial real estate
Owner occupied general purpose		-		-		-		-		-
Owner occupied special purpose		-		-		-		-		-
Non-owner occupied general purpose		264		603		264		132		31
Non-owner occupied special purpose		-		-		-		-		-
Retail properties		-		-		-		-		-
Farm		-		-		-		-		-
Construction
Homebuilder		-		-		-		-		-
Land		-		-		-		-		-
Commercial speculative		-		-		-		-		-
All other		-		-		-		-		-
Residential
Investor		-		-		-		-		-
Owner occupied		600		639		250		356		-
Revolving and junior liens		-		-		-		23		-
Consumer		-		-		-		-		-
Total impaired loans with a recorded allowance		864		1,242		514		513		31
Total impaired loans	$	23,123	$	28,072	$	514	$	22,005	$	263

Impaired loans by class of loans as of December 31, 2015 and for the nine months ended September 30, 2015 were as follows:


							Nine Months Ended
	As of December 31, 2015						September 30, 2015
			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
	Investment		Balance		Allowance		Investment		Recognized
With no related allowance recorded
Commercial	$	70	$	149	$	-	$	1,014	$	-
Commercial real estate
Owner occupied general purpose		2,314		3,004		-		4,857		62
Owner occupied special purpose		763		871		-		1,288		-
Non-owner occupied general purpose		1,047		1,065		-		2,583		-
Non-owner occupied special purpose		-		-		-		712		-
Retail properties		-		-		-		-		-
Farm		1,272		1,338		-		636		-
Construction
Homebuilder		-		-		-		896		-
Land		-		-		-		-		-
Commercial speculative		83		86		-		1,780		-
All other		-		-		-		266		-
Residential
Investor		1,906		2,259		-		2,050		33
Owner occupied		10,539		11,999		-		11,309		128
Revolving and junior liens		2,731		3,947		-		2,500		4
Consumer		-		-		-		-		-
Total impaired loans with no recorded allowance		20,725		24,718		-		29,891		227

With an allowance recorded
Commercial		3		8		3		2		-
Commercial real estate
Owner occupied general purpose		-		-		-		-		-
Owner occupied special purpose		-		-		-		-		-
Non-owner occupied general purpose		-		-		-		38		-
Non-owner occupied special purpose		-		-		-		-		-
Retail properties		-		-		-		-		-
Farm		-		-		-		-		-
Construction
Homebuilder		-		-		-		-		-
Land		-		-		-		-		-
Commercial speculative		-		-		-		-		-
All other		-		-		-		135		-
Residential
Investor		-		-		-		67		-
Owner occupied		112		112		31		12		-
Revolving and junior liens		46		46		-		364		2
Consumer		-		-		-		-		-
Total impaired loans with a recorded allowance		161		166		34		618		2
Total impaired loans	$	20,886	$	24,884	$	34	$	30,509	$	229