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Loans (Tables)

12 Months Ended

Dec. 31, 2012

Loans [Abstract]

Schedule of net loans

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

		2012				2011
Commercial, industrial, and agricultural		$	257,091			$	253,324
Commercial mortgages			261,791				242,511
Residential real estate			347,904				298,628
Consumer			58,668				53,471
Credit cards			4,800				4,412
Overdrafts			971				423
Less: unearned discount			(3,401	)			(2,886	)
allowance for loan losses			(14,060	)			(12,615	)
Loans, net		$	913,764			$	837,268

Allowance for loan losses

Transactions in the allowance for loan losses for the year ended December 31, 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			(2,871	)			(401	)			(304	)			(1,279	)			(78	)			(257	)			(5,190	)
Recoveries			45				-				1				91				18				99				254
Provision for loan losses			3,255				628				778				1,483				72				165				6,381
Allowance for loan losses, December 31, 2012		$	4,940			$	4,697			$	2,466			$	1,699			$	83			$	175			$	14,060

Transactions in the allowance for loan losses for the year ended December 31, 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			(1,796	)			(175	)			(217	)			(907	)			(39	)			(222	)			(3,356	)
Recoveries			9				-				13				88				10				94				214
Provision for loan losses			2,781				1,134				279				662				4				77				4,937
Allowance for loan losses, December 31, 2011		$	4,511			$	4,470			$	1,991			$	1,404			$	71			$	168			$	12,615

Transactions in the allowance for loan losses for the year ended December 31, 2010 were as follows:

Balance, beginning of year		$	9,795
Charge-offs			(4,371	)
Recoveries			238
Net charge-offs			(4,133	)
Provision for loan losses			5,158
Balance, end of year		$	10,820

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 December 31, 2012 and 2011:

December 31, 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		$	541			$	131			$	81			$	-			$	-			$	-			$	753
Collectively evaluated for impairment			4,399				3,467				2,385				1,699				83				175				12,208
Modified in a troubled debt restructuring			-				1,099				-				-				-				-				1,099
Total ending allowance balance		$	4,940			$	4,697			$	2,466			$	1,699			$	83			$	175			$	14,060
Loans:
Loans individually evaluated for impairment		$	2,623			$	10,683			$	593			$	-			$	-			$	-			$	13,899
Loans collectively evaluated for impairment			253,048				240,907				347,311				58,668				4,800				971				905,705
Loans modified in a troubled debt restructuring			1,420				10,201				-				-				-				-				11,621
Total ending loans balance		$	257,091			$	261,791			$	347,904			$	58,668			$	4,800			$	971			$	931,225

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			$	-			$	-			$	-			$	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				-				-				-				-				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			$	-			$	-			$	-			$	14,696
Loans collectively evaluated for impairment			247,209				226,366				298,504				53,471				4,412				423				830,385
Loans modified in a troubled debt restructuring			-				7,688				-				-				-				-				7,688
Total ending loans balance		$	253,324			$	242,511			$	298,628			$	53,471			$	4,412			$	423			$	852,769

Loans individually evaluated for impairment by portfolio segment

The following tables present information related to loans individually evaluated for impairment by portfolio segment as of December 31, 2012 and 2011 and for the years ended December 31, 2012, 2011, and 2010:

December 31, 2012		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial, industrial, and agricultural		$	2,542			$	1,792			$	541
Commercial mortgage			5,870				5,329				1,230
Residential real estate			416				381				81
With no related allowance recorded:
Commercial, industrial, and agricultural			2,804				2,251				-
Commercial mortgage			17,285				15,555				-
Residential real estate			308				212				-
Total		$	29,225			$	25,520			$	1,852
With an allowance recorded:
Commercial, industrial, and agricultural		$	4,329			$	2,815			$	329
Commercial mortgage			4,724				4,065				1,145
Residential real estate			187				124				19
With no related allowance recorded:
Commercial, industrial, and agricultural			3,892				3,300				-
Commercial mortgage			13,839				12,080				-
Residential real estate			-				-				-
Total		$	26,971			$	22,384			$	1,493

Impaired financing receivables with related and not related allowances

The unpaid principal balance of impaired loans includes the Corporation’s recorded investment in the loan and amounts that have been charged off.

		Year Ended December 31, 2012
		Average Recorded Investment				Interest Income Recognized				Cash Basis Interest Recognized
With an allowance recorded:
Commercial, industrial, and agricultural					$				3,083						$	4			$	4
Commercial mortgage			5,504				3				3
Residential real estate			334				13				13
With no related allowance recorded:
Commercial, industrial, and agricultural			3,217				-				-
Commercial mortgage			12,723				-				-
Residential real estate			103				-				-
Total		$	24,964			$	20			$	20

		Year Ended December 31, 2011
		Average Recorded Investment				Interest Income Recognized				Cash Basis Interest Recognized
With an allowance recorded:
Commercial, industrial, and agricultural					$				3,711						$	3			$	3
Commercial mortgage			6,412				19				19
Residential real estate			179				4				4
With no related allowance recorded:
Commercial, industrial, and agricultural			2,050				-				-
Commercial mortgage			6,040				-				-
Residential real estate			-				-				-
Total		$	18,392			$	26			$	26

		Year ended December 31, 2010
Average recorded investment in impaired loans		$	12,106
Interest income recognized during impairment			383
Cash-basis interest income recognized			383

Nonaccrual loans and loans past due over 90 days still accruing interest by class of loans

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

		December 31, 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		$	3,073			$	-			$	6,949			$	10
Commercial mortgages			8,570				109				8,359				122
Residential real estate			2,792				18				1,254				157
Consumer			10				217				5				125
Credit cards			-				13				-				27
Total		$	14,445			$	357			$	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 December 31, 2012 and 2011 by class of loans.

December 31, 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		$	724			$	157			$	2,968			$	3,849			$	253,242			$	257,091
Commercial mortgages			1,162				3,197				8,679				13,038				248,753				261,791
Residential real estate			1,390				641				2,700				4,731				343,173				347,904
Consumer			724				203				227				1,154				57,514				58,668
Credit cards			39				9				13				61				4,739				4,800
Overdrafts			-				-				-				-				971				971
Total		$	4,039			$	4,207			$	14,587			$	22,833			$	908,392			$	931,225
December 31, 2011
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				52,764				53,471
Credit cards			34				19				27				80				4,332				4,412
Overdrafts			-				-				-				-				423				423
Total		$	3,545			$	3,559			$	15,570			$	22,674			$	830,095			$	852,769

Restructured in a troubled debt

The following table presents the number of loans, loan balances, and specific reserves for loans that have been restructured in a troubled debt restructuring as of December 31, 2012 and December 31, 2011.

		December 31, 2012												December 31, 2011
		Number  of Loans				Loan Balance				Specific Reserve				Number  of Loans				Loan Balance				Specific Reserve
Commercial, industrial, and agricultural			2			$	1,420			$	-				-			$	-			$	-
Commercial mortgages			8				10,201				1,099				3				7,688				228
Residential real estate			-				-				-				-				-				-
Consumer			-				-				-				-				-				-
Credit cards			-				-				-				-				-				-
Total			10			$	11,621			$	1,099				3			$	7,688			$	228

Loans by Class Modified as Troubled Debt Restructurings

The following table presents loans by class modified as troubled debt restructurings that occurred during the years ended December 31, 2012 and 2011:

		Year Ended December 31, 2012
		Number of Loans				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment
Commercial, industrial, and agricultural			2			$	1,455			$	1,455
Commercial mortgages			5				2,717				2,717
Residential real estate			-				-				-
Consumer			-				-				-
Credit cards			-				-				-
Total			7			$	4,172			$	4,172
		Year Ended December 31, 2011
		Number of Loans				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment
Commercial, industrial, and agricultural			-			$	-			$	-
Commercial mortgages			2				6,041				6,041
Residential real estate			-				-				-
Consumer			-				-				-
Credit cards			-				-				-
Total			2			$	6,041			$	6,041

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

Loans not rated as special mention, substandard, or doubtful are considered to be pass rated loans. All loans included in the following tables have been assigned a risk rating within 12 months of the balance sheet date.

December 31, 2012		Pass				Special Mention				Substandard				Doubtful				Total
Commercial, industrial, and agricultural		$	234,835			$	6,641			$	15,459			$	156			$	257,091
Commercial mortgages			225,294				12,294				23,501				702				261,791
Total		$	460,129			$	18,935			$	38,960			$	858			$	518,882
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

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 December 31, 2012 and 2011:

		December 31, 2012												December 31, 2011
		Residential Real Estate				Consumer				Credit Cards				Residential Real Estate				Consumer				Credit Cards
Performing		$	345,094			$	58,441			$	4,787			$	297,217			$	53,341			$	4,385
Non-performing			2,810				227				13				1,411				130				27
Total		$	347,904			$	58,668			$	4,800			$	298,628			$	53,471			$	4,412

Summary of holiday's loan portfolio

The Bank does not have any subprime loans. Holiday’s loan portfolio is summarized as follows at December 31, 2012 and 2011:

		2012				2011
Consumer		$	21,535			$	18,176
Residential real estate			954				1,056
Less: unearned discount			(3,401	)			(2,886	)
Total		$	19,088			$	16,346

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