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Loans And Allowance For Loan Losses (Tables)

6 Months Ended

Jun. 30, 2014

Loans And Allowance For Loan Losses [Abstract]

Summary Of Composition Of Loan Portfolio

		June 30,			December 31,
		2014			2013
Commercial real estate mortgages	$	329,948		$	336,542
Commercial and industrial		81,978			73,972
Commercial construction and land development		13,201			18,129
Agricultural and other loans to farmers		29,566			26,929
Total commercial loans		454,693			455,572
Residential real estate mortgages		364,908			317,115
Home equity loans		49,696			49,565
Other consumer loans		13,279			14,523
Total consumer loans		427,883			381,203
Tax exempt loans		18,543			16,355
Net deferred loan costs and fees		(183	)		(273	)
Total loans		900,936			852,857
Allowance for loan losses		(8,751	)		(8,475	)
Total loans net of allowance for loan losses	$	892,185		$	844,382

Summary Of Non-Performing Loans

		June 30,		December 31,
		2014		2013
Commercial real estate mortgages	$	1,505	$	2,046
Commercial and industrial loans		1,155		793
Commercial construction and land development		1,328		1,913
Agricultural and other loans to farmers		76		56
Total commercial loans		4,064		4,808
Residential real estate mortgages		2,752		3,227
Home equity loans		644		745
Other consumer loans		40		60
Total consumer loans		3,436		4,032
Total non-accrual loans		7,500		8,840
Accruing loans contractually past due 90 days or more		345	-	--
Total non-performing loans	$	7,845	$	8,840

Summary Of Troubled Debt Restructures

	For the Three Months Ended					For the Six Months Ended
	June 30,					June 30,
	2013					2013
			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	1	$	49	$	49	1	$	49	$	49
Total commercial loans	1		49		49	1		49		49
Residential real estate mortgages	0	$	---	$	---	0	$	---	$	---
Home equity loans	0	-	--	-	--	1		16		21
Other consumer loans	0	-	--	-	--	1		14		14
Total consumer loans	0	-	--	-	--	2		30		35
Total	1	$	49	$	49	3	$	79	$	84

Past Due Financing Receivable Post Modification Balances

		June 30, 2013
		Three
		Months		Six Months
		Ended		Ended
Extended maturity and adjusted interest rate	$	49	$	84
Temporary payment amount adjustment	-	--	-	--
Court ordered concession	-	--	-	--
Total	$	49	$	84

Schedule Of Past Due Loans

																>90 Days
June 30, 2014		30-59		60-89		90										Past Due
		Days		Days		Days or		Total				Total				and
		Past Due		Past Due		Greater		Past Due		Current		Loans		Non-Accrual		Accruing
Commercial real
estate mortgages	$	718	$	952	$	644	$	2,314		327,634	$	329,948	$	1,505	$	---
Commercial and industrial		53		517		529		1,099		80,879		81,978		1,155	-	--
Commercial construction
and land development	-	--	-	--		1,328		1,328		11,873		13,201		1,328	-	--
Agricultural and other
loans to farmers		169		78		25		272		29,294		29,566		76	-	--
Residential real estate
mortgages		701		729		1,555		2,985		361,923		364,908		2,752		345
Home equity		484		9		246		739		48,957		49,696		644	-	--
Other consumer loans		72		57		24		153		13,126		13,279		40	-	--
Tax exempt	-	--	-	--	-	--	-	--		18,543		18,543	-	--	-	--
Total	$	2,197	$	2,342	$	4,351	$	8,890	$	892,229	$	901,119	$	7,500	$	345

																	>90 Days
		30-59				90 Days											Past Due
December 31, 2013		Days Past		60-89 Days		or			Total Past				Total				and
		Due		Past Due		Greater			Due		Current		Loans		Non-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 June 30, 2014 and December 31, 2013 follows:

		June 30, 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	$		2,022	$	2,241	$	---	$	1,949	$	2,103	$	---
Commercial and industrial			712		822	-	--		660		770	-	--
Commercial construction and
land development			1,328		3,253	-	--		68		68	-	--
Agricultural and other loans to farmers			76		76	-	--		56		56	-	--
Residential real estate loans			439		469	-	--		442		442	-	--
Home equity loans			20		20	-	--		21		21	-	--
Other consumer			12		12	-	--		13		13	-	--
Subtotal	$		4,609	$	6,893	$	---	$	3,209	$	3,473	$	---
With an allowance:
Commercial real estate mortgages	$		229	$	229	$	68	$	854	$	854	$	100
Commercial and industrial			457		537		367		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	$		686	$	766	$	435	$	2,849	$	4,774	$	270
Total	$		5,295	$	7,659	$	435	$	6,058	$	8,247	$	270

Details of impaired loans for the three and six months ended June 30, 2014 and 2013 follows:

			June 30, 2014								June 30, 2013
			Three Months Ended				Six Months Ended				Three Months Ended				Six Months Ended
			Average				Average				Average				Average
			Recorded		Interest		Recorded		Interest		Recorded		Interest		Recorded		Interest
			Investment		Recorded		Investment		Recorded		Investment		Recorded		Investment		Recorded
With no related allowance:
Commercial real
estate mortgages	$		2,075	$	16	$	2,191	$	31	$	2,294	$	17	$	2,253	$	34
Commercial and
industrial			764		1		754		2		597		1		757		3
Commercial construction
and land development			1,504	-	--		1,702	-	--	-	--	-	--	-	--	-	--
Agricultural and other
loans to farmers			60	-	--		61	-	--		323	-	--		452	-	--
Residential real
estate mortgages			491		3		492		6		266		1		267		1
Home equity loans			20		1		20		1		21		1		20		1
Other consumer			12	-	--		12	-	--		14	-	--		14		1
Subtotal	$		4,926	$	21	$	5,232	$	40	$	3,515	$	20	$	3,763	$	40
With an allowance:
Commercial real
estate mortgages	$		297	$	---	$	379	$	---	$	207	$	---	$	223	$	---
Commercial and
industrial			536	-	--		389	-	--	-	--	-	--	-	--	-	--
Commercial construction
and land development		-	--	-	--	-	--	-	--		2,029	-	--		2,131	-	--
Agricultural and other
loans to farmers		-	--	-	--	-	--	-	--	-	--	-	--	-	--	-	--
Residential real
estate mortgages		-	--	-	--	-	--	-	--	-	--	-	--	-	--	-	--
Home equity loans		-	--	-	--	-	--	-	--	-	--	-	--	-	--	-	--
Other consumer		-	--	-	--	-	--	-	--	-	--	-	--	-	--	-	--
Subtotal	$		833	$	---	$	768	$	---	$	2,236	$	---	$	2,354	$	---
Total	$		5,759	$	21	$	6,000	$	40	$	5,751	$	20	$	6,117	$	40

Schedule Of Loans With Credit Quality Indicators

						Commercial		Agricultural
		Commercial		Commercial		construction		and other
		real estate		and		and land		loans to
June 30, 2014		mortgages		industrial		development		farmers		Total
Pass	$	300,965	$	69,023	$	9,984	$	29,084	$	409,056
Other Assets
Especially Mentioned		19,071		9,529		424		178		29,202
Substandard		9,912		3,426		2,793		304		16,435
Doubtful	-	--	-	--	-	--	-	--	-	--
Loss	-	--	-	--	-	--	-	--	-	--
Total	$	329,948	$	81,978	$	13,201	$	29,566	$	454,693

						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					Commercial			Construction
Ended June 30,		Commercial			and			and land				Residential						Home		Tax
2014		Real Estate			Industrial			development		Agricultural		Real Estate			Consumer			Equity		Exempt			Total
Beginning Balance	$	4,735		$	1,654		$	231	$	350	$	1,128		$	206		$	239	$	179		$	8,722
Charged-off		(165	)		(88	)	-	--	-	--		(125	)		(63	)	-	--	-	--			(441	)
Recoveries	-	---			10		-	--		15		11			6		-	--	-	--			42
Provision		317			(3	)		23		6		135			(46	)		2		(6	)		428
Ending Balance	$	4,887		$	1,573		$	254	$	371	$	1,149		$	103		$	241	$	173		$	8,751

								Commercial
Six Months					Commercial			Construction
Ended June 30,		Commercial			and			and land						Residential						Home			Tax
2014		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		(165	)		(99	)	-	--			(14	)		(293	)		(80	)		(18	)	-	--		(669	)
Recoveries		6			12		-	--			15			12			15		-	--		-	--		60
Provision		221			394			(60	)		35			264			31			(5	)		5		885
Ending Balance	$	4,887		$	1,573		$	254		$	371		$	1,149		$	103		$	241		$	173	$	8,751
of which:
Amount for loans
individually
evaluated for
impairment	$	68		$	367		$	---		$	---		$	---		$	---		$	---		$	---	$	435
Amount for loans
collectively
evaluated for
impairment	$	4,819		$	1,206		$	254		$	371		$	1,149		$	103		$	241		$	173	$	8,316
Loans individually
evaluated
for impairment	$	1,505		$	1,155		$	1,328		$	76		$	---		$	---		$	---		$	---	$	4,064
Loans collectively
evaluated
for impairment	$	328,443		$	80,823		$	11,873		$	29,490		$	364,908		$	13,279		$	49,696		$	18,543	$	897,055

								Commercial
Three Months					Commercial			Construction
Ended June 30,		Commercial			and			and land					Residential						Home			Tax
2013		Real Estate			Industrial			development		Agricultural			Real Estate			Consumer			Equity			Exempt		Total
Beginning Balance	$	4,413		$	1,011		$	340	$	337		$	1,354		$	197		$	264		$	139	$	8,055
Charged-off		(84	)		(14	)	-	--		(81	)		(59	)		(40	)		(25	)	-	--		(303	)
Recoveries		3		-	--		-	--	-	--			1			5			1		-	--		10
Provision		103			65			15		67			125			(15	)		30			15		405
Ending Balance	$	4,435		$	1,062		$	355	$	323		$	1,421		$	147		$	270		$	154	$	8,167

								Commercial
Six Months					Commercial			Construction
Ended June 30,		Commercial			and			and land						Residential						Home			Tax
2013		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		(84	)		(178	)	-	--			(81	)		(287	)		(68	)		(34	)	-	--		(732	)
Recoveries		3			10		-	--			1			1			10			19		-	--		44
Provision		196			204			(160	)		100			377			(2	)		30			13		758
Ending Balance	$	4,435		$	1,062		$	355		$	323		$	1,421		$	147		$	270		$	154	$	8,167

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