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Loans (Tables)

6 Months Ended

Jun. 30, 2012

Loans [Abstract]

Schedule of net loans

Total net loans at June 30, 2012 and December 31, 2011 are summarized as follows:

		June 30, 2012				December 31, 2011
Commercial, industrial, and agricultural		$	266,122			$	253,324
Commercial mortgages			260,788				242,511
Residential real estate			325,200				298,628
Consumer			54,251				54,677
Credit cards			3,239				3,206
Overdrafts			284				423
Less: unearned discount			(3,117	)			(2,886	)
allowance for loan losses			(13,690	)			(12,615	)
Loans, net		$	893,077			$	837,268

Allowance for loan losses

Transactions in the allowance for loan losses for the three months ended June 30, 2012 were as follows:

		Commercial, Industrial, and Agricultural				Commercial Mortgages				Residential Real Estate				Consumer				Credit Cards				Overdrafts				Total
Allowance for loan losses, April 1, 2012		$	4,942			$	4,377			$	1,997			$	1,435			$	96			$	168			$	13,015
Charge-offs			(422	)			(121	)			(137	)			(382	)			(14	)			(50	)			(1,126	)
Recoveries			5				0				0				22				6				22				55
Provision (benefit) for loan losses			590				297				365				493				(7	)			8				1,746
Allowance for loan losses, June 30, 2012		$	5,115			$	4,553			$	2,225			$	1,568			$	81			$	148			$	13,690

Transactions in the allowance for loan losses for the six months ended June 30, 2012 were as follows:

		Commercial, Industrial, and Agricultural				Commercial Mortgages				Residential Real Estate				Consumer				Credit Cards				Overdrafts				Total
Allowance for loan losses, January 1, 2012		$	4,511			$	4,470			$	1,991			$	1,404			$	71			$	168			$	12,615
Charge-offs			(647	)			(236	)			(224	)			(638	)			(33	)			(117	)			(1,895	)
Recoveries			8				0				0				49				7				56				120
Provision for loan losses			1,243				319				458				753				36				41				2,850
Allowance for loan losses, June 30, 2012		$	5,115			$	4,553			$	2,225			$	1,568			$	81			$	148			$	13,690

Transactions in the allowance for loan losses for the three months ended June 30, 2011 were as follows:

		Commercial, Industrial, and Agricultural				Commercial Mortgages				Residential Real Estate				Consumer				Credit Cards				Overdrafts				Total
Allowance for loan losses, April 1, 2011		$	3,732			$	3,879			$	1,879			$	1,507			$	96			$	131			$	11,224
Charge-offs			(173	)			(41	)			(63	)			(202	)			(7	)			(62	)			(548	)
Recoveries			3				0				0				21				3				20				47
Provision (benefit) for loan losses			208				561				84				74				12				53				992
Allowance for loan losses, June 30, 2011		$	3,770			$	4,399			$	1,900			$	1,400			$	104			$	142			$	11,715

Transactions in the allowance for loan losses for the six months ended June 30, 2011 were as follows:

		Commercial, Industrial, and Agricultural				Commercial Mortgages				Residential Real Estate				Consumer				Credit Cards				Overdrafts				Total
Allowance for loan losses, January 1, 2011		$	3,517			$	3,511			$	1,916			$	1,561			$	96			$	219			$	10,820
Charge-offs			(215	)			(88	)			(77	)			(462	)			(25	)			(115	)			(982	)
Recoveries			4				0				0				45				5				54				108
Provision (benefit) for loan losses			464				976				61				256				28				(16	)			1,769
Allowance for loan losses, June 30, 2011		$	3,770			$	4,399			$	1,900			$	1,400			$	104			$	142			$	11,715

Allowance for loan losses and the recorded investment in loans by portfolio segment

The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and is based on the Corporation’s impairment method as of June 30, 2012 and December 31, 2011:

June 30, 2012		Commercial, Industrial, and Agricultural				Commercial Mortgages				Residential Real Estate				Consumer				Credit Cards				Overdrafts				Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	1,282			$	347			$	55			$	0			$	0			$	0			$	1,684
Collectively evaluated for impairment			3,833				3,434				2,170				1,568				81				148				11,234
Modified in a troubled debt restructuring			0				772				0				0				0				0				772
Total ending allowance balance		$	5,115			$	4,553			$	2,225			$	1,568			$	81			$	148			$	13,690
Loans:
Loans individually evaluated for impairment		$	7,778			$	8,343			$	628			$	0			$	0			$	0			$	16,749
Loans collectively evaluated for impairment			258,047				242,292				324,572				54,251				3,239				284				882,685
Loans modified in a troubled debt restructuring			297				10,153				0				0				0				0				10,450
Total ending loans balance		$	266,122			$	260,788			$	325,200			$	54,251			$	3,239			$	284			$	909,884

December 31, 2011		Commercial, Industrial, and Agricultural				Commercial Mortgages				Residential Real Estate				Consumer				Credit Cards				Overdrafts				Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	329			$	917			$	19			$	0			$	0			$	0			$	1,265
Collectively evaluated for impairment			4,182				3,325				1,972				1,404				71				168				11,122
Modified in a troubled debt restructuring			—				228				0				0				0				0				228
Total ending allowance balance		$	4,511			$	4,470			$	1,991			$	1,404			$	71			$	168			$	12,615
Loans:
Loans individually evaluated for impairment		$	6,115			$	8,457			$	124			$	0			$	0			$	0			$	14,696
Loans collectively evaluated for impairment			247,209				226,366				298,504				54,677				3,206				423				830,385
Loans modified in a troubled debt restructuring			—				7,688				0				0				0				0				7,688
Total ending loans balance		$	253,324			$	242,511			$	298,628			$	54,677			$	3,206			$	423			$	852,769

Loans individually evaluated for impairment by portfolio

The following tables present information related to loans individually evaluated for impairment by portfolio segment as of June 30, 2012 and December 31, 2011 and for the three and six months ended June 30, 2012 and 2011:

June 30, 2012		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial, industrial, and agricultural		$	6,636			$	4,525			$	1,282
Commercial mortgage			7,004				6,292				1,119
Residential real estate			598				492				55
With no related allowance recorded:
Commercial, industrial, and agricultural			8,812				8,097				0
Commercial mortgage			9,558				7,657				0
Residential real estate			136				136				0
Total		$	32,744			$	27,199			$	2,456

December 31, 2011		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial, industrial, and agricultural		$	4,329			$	2,815			$	462
Commercial mortgage			4,724				4,065				1,012
Residential real estate			187				124				19
With no related allowance recorded:
Commercial, industrial, and agricultural			3,892				3,300				0
Commercial mortgage			13,839				12,080				0
Residential real estate			0				0				0
Total		$	26,971			$	22,384			$	1,493

		Three Months Ended June 30, 2012												Six Months Ended June 30, 2012
		Average Recorded Investment				Interest Income Recognized				Cash Basis Interest Recognized				Average Recorded Investment				Interest Income Recognized				Cash Basis Interest Recognized
With an allowance recorded:
Commercial, industrial, and agricultural		$	3,528			$	4			$	4			$	3,290			$	4			$	4
Commercial mortgage			6,031				0				0				5,376				0				0
Residential real estate			353				4				4				277				8				8
With no related allowance recorded:
Commercial, industrial, and agricultural			3,537				0				0				3,458				0				0
Commercial mortgage			12,123				0				0				12,108				0				0
Residential real estate			68				0				0				45				0				0
Total		$	25,640			$	8			$	8			$	24,554			$	12			$	12

		Three Months Ended June 30, 2011												Six Months Ended June 30, 2011
		Average Recorded Investment				Interest Income Recognized				Cash Basis Interest Recognized				Average Recorded Investment				Interest Income Recognized				Cash Basis Interest Recognized
With an allowance recorded:
Commercial, industrial, and agricultural		$	1,183			$	0			$	0			$	1,660			$	0			$	0
Commercial mortgage			8,835				14				14				8,810				16				16
Residential real estate			185				0				0				202				0				0
With no related allowance recorded:
Commercial, industrial, and agricultural			2,411				0				0				1,607				0				0
Commercial mortgage			4,584				0				0				3,506				0				0
Residential real estate			0				0				0				0				0				0
Total		$	17,198			$	14			$	14			$	15,785			$	16			$	16

Nonaccrual loans and loans past due over 90 days still on accrual by portfolio segment

The following table presents the recorded investment in nonaccrual loans and loans past due over 90 days still accruing interest by class of loans as of June 30, 2012 and December 31, 2011:

		June 30, 2012								December 31, 2011
		Nonaccrual				Past Due Over 90 Days Still on Accrual				Nonaccrual				Past Due Over 90 Days Still on Accrual
Commercial, industrial, and agricultural		$	7,354			$	0			$	6,949			$	10
Commercial mortgages			8,530				0				8,359				122
Residential real estate			2,221				82				1,254				157
Consumer			4				187				5				125
Credit cards			0				15				0				27
Total		$	18,109			$	284			$	16,567			$	441

Aging of the recorded investment in past due loans

The following table presents the aging of the recorded investment in past due loans as of June 30, 2012 and December 31, 2011 by class of loans. The recorded investment in loans excludes accrued interest and loan origination fees, net due to their insignificance.

June 30, 2012		30-59 Days Past Due				60-89 Days Past Due				Greater Than 90 Days Past Due				Total Past Due				Loans Not Past Due				Total
Commercial, industrial, and agricultural		$	246			$	56			$	4,946			$	5,248			$	260,874			$	266,122
Commercial mortgages			813				422				8,530				9,765				251,023				260,788
Residential real estate			1,696				420				2,021				4,137				321,063				325,200
Consumer			587				132				191				910				53,341				54,251
Credit cards			11				28				15				54				3,185				3,239
Overdrafts			0				0				0				0				284				284
Total		$	3,353			$	1,058			$	15,703			$	20,114			$	889,770			$	909,884

December 31, 2011		30-59 Days Past Due				60-89 Days Past Due				Greater Than 90 Days Past Due				Total Past Due				Loans Not Past Due				Total
Commercial, industrial, and agricultural		$	239			$	53			$	6,959			$	7,251			$	246,073			$	253,324
Commercial mortgages			1,064				2,620				7,043				10,727				231,784				242,511
Residential real estate			1,816				682				1,411				3,909				294,719				298,628
Consumer			392				185				130				707				53,970				54,677
Credit cards			34				19				27				80				3,126				3,206
Overdrafts			—				—				—				—				423				423
Total		$	3,545			$	3,559			$	15,570			$	22,674			$	830,095			$	852,769

Schedule of loan assigned a risk rating within 12 months of the balance sheet date

All loans included in the following tables have been assigned a risk rating within 12 months of the balance sheet date.

June 30, 2012		Pass				Special Mention				Substandard				Doubtful				Total
Commercial, industrial, and agricultural		$	250,151			$	1,566			$	14,228			$	177			$	266,122
Commercial mortgages			236,706				1,385				21,985				712				260,788
Total		$	486,857			$	2,951			$	36,213			$	889			$	526,910

December 31, 2011		Pass				Special Mention				Substandard				Doubtful				Total
Commercial, industrial, and agricultural		$	223,457			$	4,176			$	25,490			$	201			$	253,324
Commercial mortgages			214,098				3,172				24,513				728				242,511
Total		$	437,555			$	7,348			$	50,003			$	929			$	495,835

Summary of holiday's loan portfolio

Holiday’s loan portfolio is summarized as follows at June 30, 2012 and December 31, 2011:

		June 30, 2012				December 31, 2011
Consumer		$	19,134			$	18,176
Residential real estate			1,020				1,056
Less: unearned discount			(3,117	)			(2,886	)
Total		$	17,037			$	16,346

Recorded investment in residential and consumer loan based on payment activity

The following table presents the recorded investment in residential and consumer loans based on payment activity as of June 30, 2012 and December 31, 2011:

		June 30, 2012												December 31, 2011
		Residential Real Estate				Consumer				Credit Cards				Residential Real Estate				Consumer				Credit Cards
Performing		$	322,897			$	54,060			$	3,224			$	297,217			$	54,547			$	3,179
Non-performing			2,303				191				15				1,411				130				27
Total		$	325,200			$	54,251			$	3,239			$	298,628			$	54,677			$	3,206

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