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Loans And Allowance For Loan Losses (Tables)

3 Months Ended

Mar. 31, 2014

Loans And Allowance For Loan Losses [Abstract]

Summary Of Composition Of Loan Portfolio

		March 31,			December 31,
		2014			2013
Commercial real estate mortgages	$	326,610		$	336,542
Commercial and industrial		81,102			73,972
Commercial construction and land development		12,467			18,129
Agricultural and other loans to farmers		28,136			26,929
Total commercial loans		448,315			455,572
Residential real estate mortgages		337,799			317,115
Home equity loans		49,199			49,565
Other consumer loans		13,946			14,523
Total consumer loans		400,944			381,203
Tax exempt loans		17,551			16,355
Net deferred loan costs and fees		(189	)		(273	)
Total loans		866,621			852,857
Allowance for loan losses		(8,722	)		(8,475	)
Total loans net of allowance for loan losses	$	857,899		$	844,382

Summary Of Non-Performing Loans

		March 31,			December 31,
		2014			2013
Commercial real estate mortgages	$	2,056		$	2,046
Commercial and industrial loans		1,256			793
Commercial construction and land development		1,714			1,913
Agricultural and other loans to farmers		59			56
Total commercial loans		5,085			4,808
Residential real estate mortgages		3,328			3,227
Home equity loans		650			745
Other consumer loans		92			60
Total consumer loans		4,070			4,032
Total non-accrual loans		9,155			8,840
Accruing loans contractually past due 90 days or more		159			--
Total non-performing loans	$	9,314		$	8,840
Allowance for loan losses to non-performing loans		93.6	%		95.9	%
Non-performing loans to total loans		1.07	%		1.04	%
Allowance to total loans		1.01	%		0.99	%

Summary Of Troubled Debt Restructures

For the Three Months Ended					For the Three Months Ended
	March 31,					March 31,
	2014					2013
	Number of Loans	Pre-Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment		Number of Loans	Pre-Modification Outstanding Recorded Investment		Post - Modification Outstanding Recorded Investment
Commercial and industrial loans	0	$	---	$	---	0	$	---	$	---
Total commercial loans	0		--		---	0		--		--
Residential real estate mortgages	0	$	---	$	---	0	$	---	$	---
Home equity loans	0		--		---	1		16		22
Other consumer loans	0		--		---	1		14		14
Total consumer loans	0		--		---	2		30		36
Total	0	$	---	$	---	2	$	30	$	36

Past Due Financing Receivable Post Modification Balances

	March 31,
	2014		2013
Extended maturity and adjusted interest rate	$	--	$	36
Temporary payment amount adjustment		--		--
Court ordered concession		--		--
Total	$	--	$	36

Schedule Of Past Due Loans

>90 Days
March 31, 2014	30-59		60-89		90 Days										Past Due
	Days		Days		or		Total				Total		Non -		and
	Past Due		Past Due		Greater		Past Due		Current		Loans		Accrual		Accruing
Commercial real estate mortgages	$	720	$	189	$	1,541	$	2,450	$	324,160	$	326,610	$	2,056	$	---
Commercial and industrial		440		--		1,021		1,461		79,641		81,102		1,256		--
Commercial construction
and land development		--		67		1,647		1,714		10,753		12,467		1,714		--
Agricultural and other loans
to farmers		79		19		7		105		28,031		28,136		59		--
Residential real estate mortgages		2,125		213		1,927		4,265		333,534		337,799		3,328		158
Home equity		53		36		216		305		48,894		49,199		650		--
Other consumer loans		115		49		57		221		13,725		13,946		92		1
Tax exempt		--		--	-	--	-	--		17,551		17,551	-	--		--
Total	$	3,532	$	573	$	6,416	$	10,521	$	856,289	$	866,810	$	9,155	$	159

															>90 Days
December 31, 2013	30-59		60-89		90 Days										Past Due
	Days Past		Days Past		or		Total				Total		Non -		and
	Due		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	$	---

Schedule Of Impaired Loans

Details of impaired loans as of March 31, 2014 and December 31, 2013 follows:

	March 31, 2014						December 31, 2013
			Unpaid						Unpaid
	Recorded		Principal		Related		Recorded		Principal		Related
	Investment		Balance		Allowance		Investment		Balance		Allowance
With no related allowance:
Commercial real estate mortgages	$	2,350	$	2,424	$	---	$	1,949	$	2,103	$	---
Commercial and industrial		684		794		--		660		770		--
Commercial construction and land development		1,714		3,639		--		68		68		--
Agricultural and other loans to farmers		59		59		--		56		56		--
Residential real estate loans		441		441		--		442		442		--
Home equity loans		20		20		--		21		21		--
Other consumer		12		12		--		13		13		--
Subtotal	$	5,280	$	7,389	$	---	$	3,209	$	3,473	$	---
With an allowance:
Commercial real estate mortgages	$	460	$	460	$	86	$	854	$	854	$	100
Commercial and industrial		587		587		459		150		150		150
Commercial construction and land development		--		--		--		1,845		3,770		20
Agricultural and other loans to farmers		--		--		--		--		--		--
Residential real estate loans		--		--		--		--		--		--
Home equity loans		--		--		--		--		--		--
Other consumer		--		--		--		--		--		--
Subtotal	$	1,047	$	1,047	$	545	$	2,849	$	4,774	$	270
Total	$	6,327	$	8,436	$	545	$	6,058	$	8,247	$	270

Details of impaired loans for the three months ended March 31, 2014 and 2013 follows:

	March 31, 2014				March 31, 2013
	Average				Average
	Recorded		Interest		Recorded		Interest
	Investment		Recorded		Investment		Recorded
With no related allowance:
Commercial real estate mortgages	$	2,310	$	15	$	2,245	$	17
Commercial and industrial		737		1		917		1
Commercial construction and land development		1,902		--		205		--
Agricultural and other loans to farmers		62		--		582		--
Residential real estate mortgages		471		3		268		2
Home equity loans		21		--		18		1
Other consumer		12		--		2		--
Subtotal	$	5,515	$	19	$	4,237	$	21
With an allowance:
Commercial real estate mortgages	$	460	$	--	$	239	$	---
Commercial and industrial		248		--		--		--
Commercial construction and land development		--		--		2,029		--
Agricultural and other loans to farmers		--		--		--		--
Residential real estate mortgages		--		--		--		--
Home equity loans		--		--		--		--
Other consumer		--		--		--		--
Subtotal	$	708	$	--	$	2,268	$	---
Total	$	6,223	$	19	$	6,505	$	21

Schedule Of Loans With Credit Quality Indicators

					Commercial		Agricultural
	Commercial		Commercial		construction		and other
	real estate		and		and land		loans to
March 31, 2014	mortgages		industrial		development		farmers		Total
Pass	$	296,783	$	67,252	$	8,935	$	27,649	$	400,619
Other Assets
Especially Mentioned		20,444		10,474		489		180		31,587
Substandard		9,383		3,376		3,043		307		16,109
Doubtful		--		--		--		--		--
Loss		--		--		--		--		--
Total	$	326,610	$	81,102	$	12,467	$	28,136	$	448,315

					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

Schedule Of Allowance For Loan Losses By Portfolio Segment

								Commercial
Three Months Ended					Commercial			Construction
March 31, 2014		Commercial			and			and land						Residential						Home		Tax
		Real Estate			Industrial			development			Agricultural			Real Estate			Consumer			Equity		Exempt			Total
Beginning Balance	$	4,825		$	1,266		$	314		$	335		$	1,166		$	137		$	264		$	168	$	8,475
Charged Off		--			(11	)		--			(14	)		(168	)		(17	)		(18	)		--		(228	)
Recoveries		6			2			--			--			1			9			--			--		18
Provision		(96	)		397			(83	)		29			129			77			(7	)		11		457
Ending Balance	$	4,735		$	1,654		$	231		$	350		$	1,128		$	206		$	239		$	179	$	8,722
of which:
Amount for loans individually
evaluated for impairment	$	86		$	459		$	--		$	---		$	--		$	--		$	--		$	---	$	545
Amount for loans collectively
evaluated for impairment	$	4,649		$	1,195		$	231		$	350		$	1,128		$	206		$	239		$	179	$	8,177
Loans individually evaluated
for impairment	$	2,056		$	1,256		$	1,714		$	59		$	--		$	--		$	--		$	---	$	5,085
Loans collectively evaluated
for impairment	$	324,554		$	79,846		$	10,753		$	28,077		$	337,799		$	13,946		$	49,199		$	17,551	$	861,725

							Commercial
Three Months Ended				Commercial			Construction
March 31, 2013		Commercial		and			and land					Residential						Home		Tax
		Real Estate		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		--		(164	)		--			--		(228	)		(28	)		(9	)		--			(429	)
Recoveries		--		10			--			1		--			5			18			--			34
Provision		93		139			(175	)		33		252			13			--			(2	)		353
Ending Balance	$	4,413	$	1,011		$	340		$	337	$	1,354		$	197		$	264		$	139		$	8,055
of which:
Amount for loans individually
evaluated for impairment	$	75	$	---		$	45		$	---	$	--		$	--		$	--		$	--		$	120
Amount for loans collectively
evaluated for impairment	$	4,338	$	1,011		$	295		$	337	$	1,354		$	197		$	264		$	139		$	7,935
Loans individually evaluated
for impairment	$	1,633	$	632		$	2,029		$	562	$	--		$	--		$	--		$	--		$	4,856
Loans collectively evaluated
for impairment	$	314,028	$	77,411		$	13,494		$	25,837	$	296,017		$	18,025		$	52,965		$	15,111		$	812,888

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