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Loans And Allowance For Loan Losses (Tables)

12 Months Ended

Dec. 31, 2014

Loans And Allowance For Loan Losses [Abstract]

Summary Of Composition Of Loan Portfolio

		December 31,			December 31,
		2014			2013
Commercial real estate mortgages	$	325,949		$	336,542
Commercial and industrial		73,893			73,972
Commercial construction and land development		25,421			18,129
Agricultural and other loans to farmers		30,471			26,929
Total commercial loans		455,734			455,572
Residential real estate mortgages		382,678			317,115
Home equity loans		51,795			49,565
Other consumer loans		12,140			14,523
Total consumer loans		446,613			381,203
Tax exempt loans		16,693			16,355
Net deferred loan costs and fees		(16	)		(273	)
Total loans		919,024			852,857
Allowance for loan losses		(8,969	)		(8,475	)
Total loans net of allowance for loan losses	$	910,055		$	844,382

Summary Of Troubled Debt Restructures

	For the Twelve Months Ended							For the Twelve Months Ended
	December 31,							December 31,
	2014							2013
			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
Commercial real estate mortgages	1	$	30		$		30	3	$	173	$	166
Commercial and industrial loans	0	-	--			-	--	0	-	--	-	--
Agricultural and other loans to farmers	1		100				97	0	-	--	-	--
Total commercial loans	2		130				127	3		173		166
Residential real estate mortgages	0	$	---		$	-	--	1	$	166	$	164
Home equity loans	0	-	--			-	--	1		16		20
Other consumer loans	0	-	--			-	--	1		14		13
Total consumer loans	0	-	--			-	--	3		196		197
Total	2	$	130	$	127			6	$	369	$	363

Summary Of Post-Modification Balance of Troubled Debt Restructurings

		2014		2013
Extended maturity and adjusted interest rate	$	97	$	79
Extended amortization and adjusted interest rate		30	-	--
Court ordered concession	-	--		284
Total	$	127	$	363

Schedule Of Past Due Loans

		30-59														>90 Days
December 31, 2014		Days														Past Due
		Past			60-89 Days		90 Days or		Total				Total		Non-	and
		Due			Past Due		Greater		Past Due		Current		Loans		Accrual	Accruing
Commercial real
estate mortgages	$	189	$		234	$	1,843	$	2,266	$	323,683	$	325,949	$	3,156	$ ---
Commercial and industrial		665			45		333		1,043		72,850		73,893		624	---
Commercial construction
and land development	-	--		-	--		1,328		1,328		24,093		25,421		1,328	---
Agricultural and other
loans to farmers		27		-	--		64		91		30,380		30,471		84	---
Residential real
estate mortgages		1,980			547		1,681		4,208		378,470		382,678		6,051	---
Home equity		138			40		575		753		51,042		51,795		1,029	---
Other consumer loans		231			5		7		243		11,897		12,140		16	---
Tax exempt	-	--		-	--	-	--	-	--		16,693		16,693	-	--	---
Total	$	3,230	$		871	$	5,831	$	9,932	$	909,108	$	919,040	$	12,288	$ ---

															>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	$ ---

Schedule Of Impaired Loans

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

		December 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	$	1,606	$	1,606	$	---	$	1,949	$	2,103	$	---
Commercial and industrial		309		309		---		660		770		---
Commercial construction and land development		1,328		3,253		---		68		68		---
Agricultural and other loans to farmers		181		181		---		56		56		---
Residential real estate loans		389		419		---		442		442		---
Home equity loans		---		---		---		21		21		---
Other consumer		---		---		---		13		13		---
Subtotal	$	3,813	$	5,768		---	$	3,209	$	3,473	$	---
With an allowance:
Commercial real estate mortgages	$	1,986	$	2,014	$	776	$	854	$	854	$	100
Commercial and industrial		325		555		187		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		10		10		1		---		---		---
Subtotal	$	2,321	$	2,579	$	964	$	2,849	$	4,774	$	270
Total	$	6,134	$	8,347	$	964	$	6,058	$	8,247	$	270

Details of impaired loans as of December 31, 2014, 2013, and 2012 follows:

		December 31, 2014				December 31, 2013				December 31, 2012
		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	$	1,589	$	66	$	2,387	$	74	$	3,391	$	146
Commercial and industrial		537		4		689		6		813		8
Commercial construction		1,514		---		133		---		147		---
and land development
Agricultural and other loans to farmers		162		3		270		---		604		---
Residential real estate mortgages		470		25		323		21		137		5
Home equity loans		---		---		17		2		---		---
Other consumer		---		---		11		1		---		---
Subtotal	$	4,272	$	98	$	3,830	$	104	$	5,092	$	159
With an allowance:
Commercial real estate mortgages	$	572	$	---	$	---	$	---	$	---	$	---
Commercial and industrial		376		---		---		---		---		---
Commercial construction
and land development		---		---		1,967		---		3,172		---
Agricultural and other loans to farmers		---		---		---		---		---		---
Residential real estate mortgages		---		---		---		---		---		---
Home equity loans		---		---		---		---		---		---
Other consumer		12		1		---		---		---		---
Subtotal	$	960	$	1	$	1,967	$	---	$	3,172	$	---
Total	$	5,232	$	99	$	5,797	$	104	$	8,264	$	159

Schedule Of Loans With Credit Quality Indicators

						Commercial		Agricultural
		Commercial		Commercial		construction		and other
		real estate		and		and land		loans to
December 31, 2014		mortgages		industrial		development		farmers		Total
Pass	$	302,376	$	62,226	$	23,290	$	30,047	$	417,939
Other Assets Especially
Mentioned		11,501		7,349	-	--		193		19,043
Substandard		12,072		4,318		2,131		231		18,752
Doubtful	-	--	-	--	-	--	-	--	-	--
Loss	-	--	-	--	-	--	-	--	-	--
Total	$	325,949	$	73,893	$	25,421	$	30,471	$	455,734

						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

Summary Of Allowance For Loan Losses By Portfolio Segment

								Commercial
Twelve Months					Commercial			Construction
Ended		Commercial			and			and land						Residential						Home			Tax
December 31, 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		(238	)		(475	)		--			(14	)		(650	)		(191	)		(52	)		--			(1,620	)
Recoveries		85			16			--			130			12			37			1			--			281
Provision		(204	)		122			(169	)		(174	)		2,186			111			58			(97	)		1,833
Ending Balance	$	4,468		$	929		$	145		$	277		$	2,714		$	94		$	271		$	71		$	8,969
of which:
Amount for loans
individually
evaluated
for impairment	$	776		$	187		$	--		$	---		$	--		$	1		$	---		$	---		$	964
Amount for loans
collectively
evaluated
for impairment	$	3,692		$	742		$	145		$	277		$	2,714		$	93		$	271		$	71		$	8,005
Loans individually
evaluated for
impairment	$	3,592		$	634		$	1,328		$	181		$	389		$	10		$	---		$	---		$	6,134
Loans collectively
evaluated for
impairment	$	322,357		$	73,259		$	24,093		$	30,290		$	382,289		$	12,130		$	51,795		$	16,693		$	912,906

								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

Loan To Related Parties

		2014			2013
Beginning balance	$	3,334		$	2,491
Changes in composition		(199	)		203
New loans		9			1,017
Less: repayments		(242	)		(377	)
Ending balance	$	2,902		$	3,334

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