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Loans And Allowance For Loan Losses (Tables)

12 Months Ended

Dec. 31, 2013

Loans And Allowance For Loan Losses [Abstract]

Summary Of Composition Of Loan Portfolio

		2013			2012
Commercial real estate mortgages	$	336,542		$	324,493
Commercial and industrial		73,972			59,373
Commercial construction and land development		18,129			22,120
Agricultural and other loans to farmers		26,929			24,922
Total commercial loans		455,572			430,908
Residential real estate mortgages		317,115			297,103
Home equity loans		49,565			53,303
Other consumer loans		14,523			19,001
Total consumer loans		381,203			369,407
Tax exempt loans		16,355			15,244
Net deferred loan costs and fees		(273	)		(555	)
Total loans		852,857			815,004
Allowance for loan losses		(8,475	)		(8,097	)
Total loans net of allowance for loan losses	$	844,382		$	806,907

Summary Of Troubled Debt Restructures

	For the Twelve Months Ended					For the Twelve Months Ended
	December 31, 2013					December 31, 2012
			Pre-		Post-			Pre-		Post-
			Modification		Modification			Modification		Modification
			Outstanding		Outstanding			Outstanding		Outstanding
	Number		Recorded		Recorded	Number		Recorded		Recorded
	of Loans		Investment		Investment	of Loans		Investment		Investment
Commercial and industrial loans	3	$	173	$	166	2	$	60	$	60
Total commercial loans	3		173		166	2		60		60
Residential real estate mortgages	1	$	166	$	164	2	$	77	$	77
Home equity loans	1		16		20	0	-	--		--
Other consumer loans	1		14		13	0	-	--		--
Total consumer loans	3		196		197	2		77		77
Total	6	$	369	$	363	4	$	137	$	137

Past Due Financing Receivable Post Modification Balances

		2013		2012
Extended maturity and adjusted interest rate	$	79	$	23
Temporary payment amount adjustment		---		54
Court ordered concession		284		60
Total	$	363	$	137

Schedule Of Past Due Loans

																>90 Days
		30-59		60-89		90										Past Due
December 31, 2013		Days		Days		Days or		Total				Total		Non-		and
		Past Due		Past Due		Greater		Past Due		Current		Loans		Accrual		Accruing
Commercial real
estate mortgages	$	786	$	361	$	698	$	1,845		334,697	$	336,542	$	2,046	$	---
Commercial and industrial		29		20		456		505		73,467		73,972		793		---
Commercial construction
and land development		---		---		1,845		1,845		16,284		18,129		1,913		---
Agricultural and other
loans to farmers		22		---		---		22		26,907		26,929		56		---
Residential real
estate mortgages		2,170		1,864		1,649		5,683		311,432		317,115		3,227		---
Home equity		67		---		---		67		49,498		49,565		745		---
Other consumer loans		57		80		41		178		14,345		14,523		60		---
Tax exempt		---		---		---		---		16,355		16,355		---		---
Total	$	3,131	$	2,325	$	4,689	$	10,145	$	842,985	$	853,130	$	8,840	$	---

																>90 Days
December 31, 2012		30-59		60-89		90										Past Due
		Days Past		Days Past		Days or		Total				Total		Non-		and
		Due		Due		Greater		Past Due		Current		Loans		Accrual		Accruing
Commercial real
estate mortgages	$	228	$	238	$	1,041	$	1,507	$	322,986	$	324,493	$	1,888	$	---
Commercial and industrial		22		61		990		1,073		58,300		59,373		818		216
Commercial construction
and land development		---		---		2,359		2,359		19,761		22,120		2,359		---
Agricultural and other
loans to farmers		203		12		490		705		24,217		24,922		664		---
Residential real
estate mortgages		2,452		769		1,951		5,172		291,931		297,103		3,017		---
Home equity		219		---		274		493		52,810		53,303		814		---
Other consumer loans		75		97		77		249		18,752		19,001		72		19
Tax exempt		---		---		---		---		15,244		15,244		---		---
Total	$	3,199	$	1,177	$	7,182	$	11,558	$	804,001	$	815,559	$	9,632	$	235

Schedule Of Impaired Loans

Details of impaired loans as of December 31, 2013 and December 31, 2012 follows:

		December 31, 2013						December 31, 2012
				Unpaid						Unpaid
		Recorded		Principal		Related		Recorded		Principal		Related
		Investment		Balance		Allowance		Balance		Investment		Allowance
With no related allowance:
Commercial real estate mortgages	$	1,949	$	2,103	$	---	$	2,662	$	3,072	$	---
Commercial and industrial		660		770		---		841		966		----
Commercial construction
and land development		68		68		---		----		---		----
Agricultural and other loans to farmers		56		56		---		664		748		----
Residential real estate loans		442		442		---		77		77		----
Home equity loans		21		21		---		----		----		----
Other consumer		13		13		---	-	----		----		----
Subtotal	$	3,209	$	3,473	$	---	$	4,244	$	4,863	$	---
With an allowance:
Commercial real estate mortgages	$	854	$	854	$	100	$	---	$	---	$	---
Commercial and industrial		150		150		150		---		---		---
Commercial construction
and land development		1,845		3,770		20		2,359		4,329		120
Agricultural and other loans to farmers		---		---		---		---		---		---
Residential real estate loans		---		---		---		---		---		---
Home equity loans		---		---		---		---		---		---
Other consumer		---		---		---		---		---		---
Subtotal	$	2,849	$	4,774	$	270	$	2,359	$	4,329	$	120
Total	$	6,058	$	8,247	$	270	$	6,603	$	9,192	$	120

Details of impaired loans as of December 31, 2013, 2012, and 2011 follows:

		December 31, 2013				December 31, 2012				December 31, 2011
		For the Twelve Months				For the Twelve Months				For the Twelve Months
		Ended				Ended				Ended
		Average				Average				Average
		Recorded		Interest		Recorded		Interest		Recorded		Interest
		Investment		Recorded		Investment		Recorded		Investment		Recorded
With no related allowance:
Commercial real estate mortgages	$	2,387	$	74	$	3,391	$	146	$	3,452	$	105
Commercial and industrial		689		6		813		8		1,212		4
Commercial construction
and land development		133		--		147		--		4,857		--
Agricultural and other loans to farmers		270		--		604		--		213		14
Residential real estate mortgages		323		21		137		5		82		--
Home equity loans		17		2		--		--		--		--
Other consumer		11		1		--		--		--		--
Subtotal	$	3,830	$	104	$	5,092	$	159	$	9,816	$	123
With an allowance:
Commercial real estate mortgages	$	---	$	---	$	---	$	---	$	396	$	---
Commercial and industrial		--		--		--		--		70		--
Commercial construction
and land development		1,967		--		3,172		--		150		--
Agricultural and other loans to farmers		--		--		--		--		--		--
Residential real estate mortgages		--		--		--		--		--		--
Home equity loans		--		--		--		--		--		--
Other consumer		--		--		--		--		--		--
Subtotal	$	1,967	$	---	$	3,172	$	---	$	616	$	---
Total	$	5,797	$	104	$	8,264	$	159	$	10,432	$	123

Schedule Of Loans With Credit Quality Indicators

						Commercial		Agricultural
		Commercial		Commercial		construction		and other
		real estate		and		and land		loans to
December 31, 2013		mortgages		industrial		development		farmers		Total
Pass	$	307,486	$	60,330	$	14,403	$	26,447	$	408,666
Other Assets
Especially Mentioned		19,768		10,568		437		182		30,955
Substandard		9,288		3,074		3,289		300		15,951
Doubtful		--		--		--		--		--
Loss		--		--		--		--		--
Total	$	336,542	$	73,972	$	18,129	$	26,929	$	455,572

						Commercial		Agricultural
		Commercial		Commercial		construction		and other
		real estate		and		and land		loans to
December 31, 2012		mortgages		industrial		development		farmers		Total
Pass	$	293,505	$	46,872	$	17,469	$	23,806	$	381,652
Other Assets
Especially Mentioned		21,522		9,112		2,292		242		33,168
Substandard		9,466		3,389		2,359		874		16,088
Doubtful		--		--		--		--		--
Loss		--		--		--		--		--
Total	$	324,493	$	59,373	$	22,120	$	24,922	$	430,908

Summary Of Allowance For Loan Losses

								Commercial
Twelve Months Ended		Commercial						Construction
December 31, 2013		Real			Commercial			and land						Residential						Home			Tax
		Estate			and Industrial			development			Agricultural			Real Estate			Consumer			Equity			Exempt		Total
Beginning Balance	$	4,320		$	1,026		$	515		$	303		$	1,330		$	207		$	255		$	141	$	8,097
Charged Off		(214	)		(405	)		--			(81	)		(406	)		(120	)		(29	)		--		(1,255	)
Recoveries		105			23			--			37			7			23			20			--		215
Provision		614			622			(201	)		76			235			27			18			27		1,418
Ending Balance	$	4,825		$	1,266		$	314		$	335		$	1,166		$	137		$	264		$	168	$	8,475
of which:
Amount for loans
Individually
evaluated for
impairment	$	100		$	150		$	20		$	---		$	---		$	---		$	---		$	---	$	270
Amount for loans
Collectively
evaluated for
impairment	$	4,725		$	1,116		$	294		$	335		$	1,166		$	137		$	264		$	168	$	8,205
Loans individually
Evaluated for
impairment	$	2,046		$	793		$	1,913		$	56		$	---		$	---		$	---		$	---	$	4,808
Loans collectively
Evaluated for
impairment	$	334,496		$	73,179		$	16,216		$	26,873		$	317,115		$	14,523		$	49,565		$	16,355	$	848,322

								Commercial
Twelve Months					Commercial			Construction
Ended		Commercial			and			and land						Residential						Home			Tax
December 31, 2012		Real Estate			Industrial			development			Agricultural			Real Estate			Consumer			Equity			Exempt		Total
Beginning Balance	$	3,900		$	1,321		$	594		$	332		$	1,436		$	286		$	266		$	86	$	8,221
Charged Off		(474	)		(102	)		(344	)		(160	)		(568	)		(294	)		(92	)		--		(2,034	)
Recoveries		9			25			--			82			104			38			--			--		258
Provision		885			(218	)		265			49			358			177			81			55		1,652
Ending Balance	$	4,320		$	1,026		$	515		$	303		$	1,330		$	207		$	255		$	141	$	8,097
of which:
Amount for loans
individually
evaluated for
impairment	$	---		$	--		$	120		$	---		$	--		$	---		$	---		$	---	$	120
Amount for loans
collectively
evaluated for
impairment	$	4,320		$	1,026		$	395		$	303		$	1,330		$	207		$	255		$	141	$	7,977
Loans individually
evaluated for
impairment	$	1,888		$	818		$	2,359		$	664		$	--		$	---		$	---		$	---	$	5,729
Loans collectively
evaluated for
impairment	$	322,605		$	58,555		$	19,761		$	24,258		$	297,103		$	19,001		$	53,303		$	15,244	$	809,830

								Commercial
Twelve Months					Commercial			Construction
Ended		Commercial			and			and land					Residential						Home			Tax
December 31, 2011		Real Estate			Industrial			development			Agricultural		Real Estate			Consumer			Equity			Exempt			Total
Beginning Balance	$	4,260		$	1,237		$	999		$	223	$	1,322		$	73		$	276		$	110		$	8,500
Charged Off		(423	)		(123	)		(1,943	)		--		(254	)		(90	)		(94	)		--			(2,927	)
Recoveries		8			82			77			45		--			41			--		-	--			253
Provision		55			125			1,461			64		368			262			84			(24	)		2,395
Ending Balance	$	3,900		$	1,321		$	594		$	332	$	1,436		$	286		$	266		$	86		$	8,221
of which:
Amount for loans
individually
evaluated for
impairment	$	100		$	135		$	100		$	--	$	---		$	---		$	---		$	---		$	335
Amount for loans
collectively
evaluated for
impairment	$	3,800		$	1,186		$	494		$	332	$	1,436		$	286		$	266		$	86		$	7,886
Loans individually
evaluated for
impairment	$	2,676		$	1,078		$	3,753		$	595	$	---		$	---		$	---		$	---		$	8,102
Loans collectively
evaluated for
impairment	$	282,808		$	61,372		$	26,307		$	25,985	$	239,799		$	22,906		$	51,462		$	9,700		$	720,339

Loan To Related Parties

		2013			2012
Beginning balance	$	2,491		$	3,077
Changes in composition		203			---
New loans		1,017			779
Less: repayments		(377	)		(1,365	)
Ending balance	$	3,334		$	2,491

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