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Loans And Allowance For Loan Losses (Tables)

3 Months Ended

Mar. 31, 2015

Loans And Allowance For Loan Losses [Abstract]

Summary Of Composition Of Loan Portfolio

		March 31,			December 31,
		2015			2014
Commercial real estate mortgages	$	343,183		$	325,949
Commercial and industrial		82,497			73,893
Commercial construction and land development		25,725			25,421
Agricultural and other loans to farmers		31,548			30,471
Total commercial loans		482,953			455,734
Residential real estate mortgages		377,878			382,678
Home equity loans		50,958			51,795
Other consumer loans		11,355			12,140
Total consumer loans		440,191			446,613
Tax exempt loans		16,576			16,693
Net deferred loan costs and fees		39			(16	)
Total loans		939,759			919,024
Allowance for loan losses		(9,478	)		(8,969	)
Total loans net of allowance for loan losses	$	930,281		$	910,055

Summary Of Non-Performing Loans

		March 31,		December 31,
		2015		2014
Commercial real estate mortgages	$	3,229	$	3,156
Commercial and industrial loans		569		624
Commercial construction and land development		1,260		1,328
Agricultural and other loans to farmers		72		84
Total commercial loans		5,130		5,192
Residential real estate mortgages		5,997		6,051
Home equity loans		1,153		1,029
Other consumer loans		17		16
Total consumer loans		7,167		7,096
Total non-accrual loans		12,297		12,288
Accruing loans contractually past due 90 days or more	-	--	-	--
Total non-performing loans	$	12,297	$	12,288

Summary Of Troubled Debt Restructures

	For the Three Months Ended
			March 31,
			2015
			Pre-		Post-
			Modification		Modification
			Outstanding		Outstanding
	Number		Recorded		Recorded
	of Loans		Investment		Investment
Agricultural and other loans to farmers	1	$	18	$	18
Total commercial loans	1		18		18
Residential real estate mortgages	1	$	472	$	472
Total consumer loans	1		472		472
Total	2	$	490	$	490

Past Due Financing Receivable Post Modification Balances

Extended maturity and adjusted interest rate	$	472
Extended maturity		18
Total	$	490

Schedule Of Past Due Loans

															>90 Days
March 31, 2015		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	$	598	$	167	$	2,133	$	2,898	$	340,285	$	343,183	$	3,229	$ ---
Commercial and industrial		161		--		395		556		81,941		82,497		569	---
Commercial construction and
land development		--		--		1,260		1,260		24,465		25,725		1,260	---
Agricultural and other
loans to farmers		--				54		54		31,494		31,548		72	---
Residential real estate mortgages		2,559		38		1,689		4,286		373,592		377,878		5,997	---
Home equity		191		609		676		1,476		49,482		50,958		1,153	---
Other consumer loans		81		--		--		81		11,274		11,355		17	---
Tax exempt		--		--		--		--		16,576		16,576		--	---
Total	$	3,590	$	814	$	6,207	$	10,611	$	929,109	$	939,720	$	12,297	$ ---

															>90 Days
		30-59		60-89											Past Due
December 31, 2014		Days Past		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	$ ---

Schedule Of Impaired Loans

				March 31, 2015						December 31, 2014
				Unpaid						Unpaid
		Recorded		Principal		Related		Recorded		Principal		Related
		Investment		Balance		Allowance		Investment		Balance		Allowance
With no related allowance:
Commercial real estate mortgages	$	2,518	$	2,571	$	---	$	1,606	$	1,606	$	---
Commercial and industrial		378		532	-	--		309		309	-	--
Commercial construction
and land development		1,260		3,185	-	--		1,328		3,253	-	--
Agricultural and other
loans to farmers		114		114	-	--		181		181	-	--
Residential real estate loans		860		890	-	--		389		419	-	--
Home equity loans		19		19	-	--	-	--	-	--	-	--
Other consumer	-	--	-	--	-	--	-	--	-	--	-	--
Subtotal	$	5,149	$	7,311	$	---	$	3,813	$	5,768	$	---
With an allowance:
Commercial real estate mortgages	$	1,434	$	1,434	$	669	$	1,986	$	2,014	$	776
Commercial and industrial		200		350		200		325		555		187
Commercial construction
and land development	-	--	-	--	-	--	-	--	-	--	-	--
Agricultural and other
loans to farmers		54		54		39	-	--	-	--	-	--
Residential real estate loans	-	--	-	--	-	--	-	--	-	--	-	--
Home equity loans	-	--	-	--	-	--	-	--	-	--	-	--
Other consumer		10		10		1		10		10		1
Subtotal	$	1,698	$	1,848	$	909	$	2,321	$	2,579	$	964
Total	$	6,847	$	9,159	$	909	$	6,134	$	8,347	$	964

Details of impaired loans for the three months ended March 31, 2015 and 2014 follows:

		Three Months Ended				Three Months Ended
		March 31, 2015				March 31, 2014
		Average				Average
		Recorded		Interest		Recorded		Interest
		Investment		Recorded		Investment		Recorded
With no related allowance:
Commercial real estate mortgages	$	2,501	$	16	$	2,310	$	15
Commercial and industrial		498		1		737		1
Commercial construction and land development		1,260	-	--		1,902	-	--
Agricultural and other loans to farmers		124		2		62	-	--
Residential real estate mortgages		826		9		471		3
Home equity loans		19	-	--		21	-	--
Other consumer	-	--				12	-	--
Subtotal	$	5,228	$	28	$	5,515	$	19
With an allowance:
Commercial real estate mortgages	$	1,434	$	---	$	460	$	---
Commercial and industrial		191	-	--		248	-	--
Commercial construction and land development	-	--	-	--	-	--	-	--
Agricultural and other loans to farmers		54	-	--	-	--	-	--
Residential real estate mortgages	-	--	-	--	-	--	-	--
Home equity loans	-	--	-	--	-	--	-	--
Other consumer		10	-	--	-	--	-	--
Subtotal	$	1,689	$	---	$	708	$	---
Total	$	6,917	$	28	$	6,223	$	19

Schedule Of Loans With Credit Quality Indicators

						Commercial		Agricultural
		Commercial		Commercial		construction		and other
		real estate		and		and land		loans to
March 31, 2015		mortgages		industrial		development		farmers		Total
Pass	$	319,509	$	72,206	$	23,666	$	31,140	$	446,521
Other Assets Especially
Mentioned		11,425		6,535		799		191		18,950
Substandard		12,249		3,756		1,260		217		17,482
Doubtful	-	--	-	--	-	--	-	--	-	--
Loss	-	--	-	--	-	--	-	--	-	--
Total	$	343,183	$	82,497	$	25,725	$	31,548	$	482,953

						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

Schedule Of Allowance For Loan Losses By Portfolio Segment

									Commercial
									Construction
Three Months Ended		Commercial			Commercial				and						Residential
March 31, 2015		Real			and				land						Real					Home			Tax
		Estate			Industrial				development			Agricultural			Estate		Consumer			Equity			Exempt		Total
Beginning Balance	$	4,468		$	929		$		145		$	277		$	2,714	$	94		$	271		$	71	$	8,969
Charged Off		(25)			(75)				--			(18)			--		(11)			(40)			--		(169)
Recoveries		34			1				--			12			129		7			--			--		183
Provision		23			219				(38)			63			32		55			136			5		495
Ending Balance	$	4,500		$	1,074		$		107		$	334		$	2,875	$	145		$	367		$	76	$	9,478
of which:
Amount for loans
individually
evaluated
for impairment	$	669		$	200		$	-	-		$	39		$	---	$	---		$	1		$	---	$	909
Amount for loans
collectively evaluated
for impairment	$	3,831		$	874		$		107		$	295		$	2,875	$	145		$	366		$	76	$	8,569
Loans individually
evaluated
for impairment	$	3,687		$	578		$		1,260		$	168		$	388	$	---		$	10		$	---	$	6,091
Loans collectively
evaluated
for impairment	$	339,496		$	81,919		$		24,465		$	31,380		$	377,490	$	11,355		$	50,948		$	16,576	$	933,629

										Commercial
										Construction
Three Months Ended			Commercial			Commercial				and							Residential
March 31, 2014			Real			and				land							Real						Home			Tax
			Estate			Industrial				development				Agricultural			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

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