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Loans And Allowance For Loan Losses (Tables)

9 Months Ended

Sep. 30, 2014

Loans And Allowance For Loan Losses [Abstract]

Summary Of Composition Of Loan Portfolio

		September 30,			December 31,
		2014			2013
Commercial real estate mortgages	$	329,263		$	336,542
Commercial and industrial		76,152			73,972
Commercial construction and land development		23,828			18,129
Agricultural and other loans to farmers		28,649			26,929
Total commercial loans		457,892			455,572
Residential real estate mortgages		359,494			317,115
Home equity loans		51,693			49,565
Other consumer loans		12,239			14,523
Total consumer loans		423,426			381,203
Tax exempt loans		16,729			16,355
Net deferred loan costs and fees		(102	)		(273	)
Total loans		897,945			852,857
Allowance for loan losses		(8,635	)		(8,475	)
Total loans net of allowance for loan losses	$	889,310		$	844,382

Summary Of Non-Performing Loans

		September 30,		December 31,
		2014		2013
Commercial real estate mortgages	$	1,053	$	2,046
Commercial and industrial loans		604		793
Commercial construction and land development		1,328		1,913
Agricultural and other loans to farmers		56		56
Total commercial loans		3,041		4,808
Residential real estate mortgages		2,545		3,227
Home equity loans		622		745
Other consumer loans		20		60
Total consumer loans		3,187		4,032
Total non-accrual loans		6,228		8,840
Accruing loans contractually past due 90 days or more		87	-	--
Total non-performing loans	$	6,315	$	8,840

Summary Of Troubled Debt Restructures

	For the Three Months Ended					For the Nine Months Ended
	September 30,					September 30,
			2014					2014
			Pre-		Post-			Pre-		Post-
			Modification		Modification			Modification		Modification
	Number		Outstanding		Outstanding	Number		Outstanding		Outstanding
	of		Recorded		Recorded	of		Recorded		Recorded
	Loans		Investment		Investment	Loans		Investment		Investment
Agricultural and other loans to farmers	1	$	100	$	99	1	$	100	$	99
Total commercial loans	1		100		99	1		100		99
Total	1	$	100	$	99	1	$	100	$	99

	For the Three Months Ended					For the Nine Months Ended
	September 30,					September 30,
			2013					2013
								Pre-
			Pre-		Post-					Post-
			Modification		Modification			Modification		Modification
			Outstanding		Outstanding			Outstanding Outstanding
	Number of		Recorded		Recorded	Number		Recorded		Recorded
	Loans		Investment		Investment	of Loans		Investment		Investment
Commercial and industrial loans	0	$	---	$	---	1	$	50	$	47
Total commercial loans	0					1		50		47
Residential real estate mortgages	1		166		166	1		166		166
Home equity loans	0		---		---	1		16		21
Other consumer loans	0		---		---	1		14		13
Total consumer loans	1		166		166	3		196		200
Total	1	$	166	$	166	4	$	246	$	247

Past Due Financing Receivable Post Modification Balances

		September 30, 2014				September 30, 2013
		Three		Nine		Three		Nine
		Months		Months		Months		Months
		Ended		Ended		Ended		Ended
Extended maturity and adjusted interest rate	$	99	$	99	$	---	$	81
Court ordered concession	-	--	-	--		166		166
Total	$	99	$	99	$	166	$	247

Schedule Of Past Due Loans

																>90Days
		30-59		60-89		90 Days										Past Due
September 30, 2014		Days		Days		or		Total						Non-		and
		Past Due		Past Due		Greater		Past Due		Current		Total Loans		Accrual		Accruing
Commercial real estate
mortgages	$	401	$	1,611	$	328	$	2,340	$	326,923	$	329,263	$	1,053	$	---
Commercial and industrial		133		10		372		515		75,637		76,152		604	-	--
Commercial construction
and land development	-	--	-	--		1,328		1,328		22,500		23,828		1,328	-	--
Agricultural and other loans
to farmers		39		58	-	--		97		28,552		28,649		56	-	--
Residential real estate
mortgages		472		3,753		847		5,072		354,422		359,494		2,545		87
Home equity		907	-	--		242		1,149		50,544		51,693		622	-	--
Other consumer loans		114	-	--		8		122		12,117		12,239		20	-	--
Tax exempt	-	--	-	--	-	--	-	--		16,729		16,729	-	--	-	--
Total	$	2,066	$	5,432	$	3,125	$	10,623	$	887,424	$	898,047	$	6,228	$	87

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

		September 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	$	1,560	$	1,634	$	---	$	1,949	$	2,103	$	---
Commercial and industrial		326		506	-	--		660		770	-	--
Commercial construction
and land development		1,328		3,253	-	--		68		68	-	--
Agricultural and other loans
to farmers		155		155	-	--		56		56	-	--
Residential real estate loans		438		438	-	--		442		442	-	--
Home equity loans		19		19	-	--		21		21	-	--
Other consumer		11		11	-	--		13		13	-	--
Subtotal	$	3,837	$	6,016	$	---	$	3,209	$	3,473	$	---
With an allowance:
Commercial real estate mortgages	$	229	$	229	$	68	$	854	$	854	$	100
Commercial and industrial		290		290		237		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	$	519		519	$	305	$	2,849	$	4,774	$	270
Total	$	4,356	$	6,535	$	305	$	6,058	$	8,247	$	270

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

				September 30, 2014								September 30, 2013
		Three Months Ended				Nine Months Ended				Three Months Ended				Nine 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	$	1,763	$	11	$	1,877	$	43	$	2,441	$	17	$	2,465	$	49
estate mortgages
Commercial and industrial		512		1		663		3		596		2		703		4
Commercial construction		1,328	-	--		1,576	-	--	-	--	-	--	-	--	-	--
and land development
Agricultural and other loans		143	-	--		89		2		119	-	--		340	-	--
to farmers
Residential real		468		3		470		10		457	-	--		350	-	--
estate mortgages
Home equity loans		20		1		20		1		21	-	--		20		1
Other consumer		11	-	--		12	-	--		13	-	--		14		1
Subtotal	$	4,245	$	16	$	4,707	$	59	$	3,647	$	19	$	3,892	$	55
With an allowance:
Commercial real	$	229	$	---	$	498	$	---	$	---	$	---	$	---	$	---
estate mortgages
Commercial and industrial		404	-	--		403	-	--		-	-	--	-	--	-	--
Commercial construction	-	--	-	--	-	--	-	--		1,965	-	--		2,075	-	--
and land development
Agricultural and other loans	-	--	-	--	-	--	-	--	-	--	-	--	-	--	-	--
to farmers
Residential real	-	--	-	--	-	--	-	--	-	--	-	--	-	--	-	--
estate mortgages
Home equity loans	-	--	-	--	-	--	-	--	-	--	-	--	-	--	-	--
Other consumer	-	--	-	--	-	--	-	--	-	--	-	--	-	--	-	--
Subtotal		633				901				1,965				2,075
Total	$	4,878	$	16	$	5,608	$	59	$	5,612	$	19	$	5,967	$	55

Schedule Of Loans With Credit Quality Indicators

						Commercial		Agricultural
		Commercial		Commercial		construction		and other
		real estate		and		and land		loans to
September 30, 2014		mortgages		industrial		development		farmers		Total
Pass	$	302,297	$	64,193	$	21,112	$	28,186	$	415,788
Other Assets
Especially Mentioned		17,850		9,130		422		167		27,569
Substandard		9,116		2,829		2,294		296		14,535
Doubtful		---		---		---		---		---
Loss		---		---		---		---		---
Total	$	329,263	$	76,152	$	23,828	$	28,649	$	457,892

						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
September 30, 2014		Commercial			and			and land					Residential						Home		Tax
		Real Estate			Industrial			development		Agricultural			Real Estate			Consumer			Equity		Exempt			Total
Beginning Balance	$	4,887		$	1,573		$	254	$	371		$	1,149		$	103		$	241	$	173		$	8,751
Charged-off		(19	)		(317	)	-	--	-	--			(264	)		(68	)	-	--	-	--			(668	)
Recoveries		34			1		-	--		11		-	--			14			1	-	--			61
Provision		(71	)		150			77		(26	)		275			97		-	--		(11	)		491
Ending Balance	$	4,831		$	1,407		$	331	$	356		$	1,160		$	146		$	242	$	162		$	8,635

								Commercial
Nine Months Ended					Commercial			Construction
September 30, 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		(184	)		(416	)		--		(14	)		(557	)		(148	)		(18	)	-	--			(1,337	)
Recoveries		40			13			--		26			12			29			1		-	--			121
Provision		150			544			17		9			539			128			(5	)		(6	)		1,376
Ending Balance	$	4,831		$	1,407		$	331	$	356		$	1,160		$	146		$	242		$	162		$	8,635
of which:
Amount for loans
individually
evaluated for
impairment	$	68		$	237		$	--	$	---		$	---		$	---		$	---		$	---		$	305
Amount for loans
collectively evaluated
for impairment	$	4,763		$	1 ,170		$	331	$	356		$	1,160		$	146		$	242		$	162		$	8,330
Loans individually
evaluated for
impairment	$	1,053		$	604		$	1,328	$	56		$	---		$	---		$	---		$	---		$	3,041
Loans collectively
evaluated for
impairment	$	329,538		$	75,548		$	22,500	$	28,593		$	359,494		$	12,239		$	51,693		$	16,729		$	895,006

								Commercial
Three Months Ended					Commercial			Construction
September 30, 2013		Commercial			and			and land					Residential						Home			Tax
		Real Estate			Industrial			development		Agricultural			Real Estate			Consumer			Equity			Exempt		Total
Beginning Balance	$	4,435		$	1,062		$	355	$	323		$	1,421		$	147		$	270		$	154	$	8,167
Charged-off		(55	)		(8	)	-	--	-	--			(32	)		(12	)	-	--		-	--		(107	)
Recoveries		102			12		-	--		24			5			7		-	--		-	--		150
Provision		223			146			19		(5	)		(169	)		3			(57	)		10		170
Ending Balance	$	4,705		$	1,212		$	374	$	342		$	1,225		$	145		$	213		$	164	$	8,380

								Commercial
Nine Months Ended					Commercial			Construction
September 30, 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		(139	)		(186	)	-	--			(81	)		(319	)		(80	)		(34	)	-	--		(839	)
Recoveries		105			22		-	--			25			6			17			19		-	--		194
Provision		419			350			(141	)		95			208			1			(27	)		23		928
Ending Balance	$	4,705		$	1,212		$	374		$	342		$	1,225		$	145		$	213		$	164	$	8,380

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