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Loans And Allowance For Loan Losses (Tables)

6 Months Ended

Jun. 30, 2016

Loans And Allowance For Loan Losses [Abstract]

Summary Of Composition Of Loan Portfolio

		June 30,			December 31,
		2016			2015
Commercial real estate mortgages	$	390,033		$	371,002
Commercial and industrial		80,749			79,911
Commercial construction and land development		25,467			24,926
Agricultural and other loans to farmers		33,081			31,003
Total commercial loans		529,330			506,842
Residential real estate mortgages		446,933			408,401
Home equity loans		49,330			51,530
Other consumer loans		6,946			7,949
Total consumer loans		503,209			467,880
Tax exempt loans		16,352			15,244
Net deferred loan costs and fees		131			104
Total loans		1,049,022			990,070
Allowance for loan losses		(9,891	)		(9,439	)
Total loans net of allowance for loan losses	$	1,039,131		$	980,631

Summary Of Non-Performing Loans

		June 30,		December 31,
		2016		2015
Commercial real estate mortgages	$	1,087	$	1,279
Commercial and industrial loans		190		292
Commercial construction and land development		813		1,111
Agricultural and other loans to farmers		--		16
Total commercial loans		2,090		2,698
Residential real estate mortgages		3,157		3,452
Home equity loans		134		820
Other consumer loans		91		10
Total consumer loans		3,382		4,282
Total non-accrual loans		5,472		6,980
Accruing loans contractually past due 90 days or more		81		28
Total non-performing loans	$	5,553	$	7,008

Summary Of Troubled Debt Restructures

	For the Three Months Ended							For the Six Months Ended
	June 30, 2016							June 30, 2016
				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 real estate mortgages		1	$	30	$	30		3	$	425	$	418
Agricultural and other loans to farmers		--		--		--		2		30		25
Total commercial loans		1		30		30		5		455		443
Total		1	$	30	$	30		5	$	455	$	443
	For the Three Months Ended							For the Six Months Ended
	June 30, 2015							June 30, 2015
				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
Agricultural and other loans to farmers		--	$	---	$	---		1	$	18	$	17
Total commercial loans		--		--		--		1		18		17
Residential real estate mortgages		2	$	795	$	794		3	$	1,267	$	1,266
Total consumer loans		2		795		794		3		1,267		1,266
Total		2	$	795	$	794		4	$	1,285	$	1,283

Summary Of Post-Modification Balance of Troubled Debt Restructurings

	June 30, 2016					June 30, 2015
		Three		Six			Three		Six
		Months		Months			Months		Months
		Ended		Ended			Ended		Ended
Extended maturity and adjusted interest rate	$	--	$	--		$	--	$	489
Extended maturity and adjusted payment		--		413			--		--
Adjusted payment		--		--			607		607
Adjusted payment and capitalized interest		--		--			187		187
Other concessions		30		30			--		--
Total	$	30	$	443		$	794	$	1,283

Schedule Of Past Due Loans

																	>90 Days
June 30, 2016		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	$	844	$	103	$	333		$	1,280		388,753	$	390,033	$	1,087	$	---
Commercial and industrial		4		30		190			224		80,525		80,749		190		--
Commercial construction
and land development		--		--		813			813		24,654		25,467		813		--
Agricultural and other
loans to farmers		13		--		81			94		32,987		33,081		--		81
Residential real
estate mortgages		1,488		753		991			3,232		443,701		446,933		3,157		--
Home equity		31		15		10			56		49,274		49,330		134		--
Other consumer loans		34		1		2			37		6,909		6,946		91		--
Tax exempt		--		--		--			--		16,352		16,352		--		--
Total	$	2,414	$	902	$	2,420		$	5,736	$	1,043,155	$	1,048,891	$	5,472	$	81

																	>90 Days
December 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	$	99	$	287	$	241		$	627	$	370,375	$	371,002	$	1,279	$	---
Commercial and industrial		9		1		271			281		79,630		79,911		292		--
Commercial construction
and land development		--		--		1,111			1,111		23,815		24,926		1,111		--
Agricultural and other
loans to farmers		12		70		3			85		30,918		31,003		16		3
Residential real
estate mortgages		1,313		452		1,299			3,064		403,588		406,652		3,452		25
Home equity		245		--		797			1,042		50,488		51,530		820		--
Other consumer loans		66		--		--			66		9,632		9,698		10		--
Tax exempt		--		--		--			--		15,244		15,244		--		--
Total	$	1,744	$	810	$	3,722		$	6,276	$	983,690	$	989,966	$	6,980	$	28

Schedule Of Impaired Loans

Details of impaired loans as of June 30, 2016 and December 31, 2015 follows:

	June 30, 2016							December 31, 2015
				Unpaid							Unpaid
		Recorded		Principal		Related			Recorded		Principal		Related
		Investment		Balance		Allowance			Investment		Balance		Allowance
With no related allowance:
Commercial real estate mortgages	$	1,900	$	1,900	$	---		$	1,692	$	1,736	$	---
Commercial and industrial		89		89		---			202		352		---
Commercial construction and
land development		---		---		---			---		---		---
Agricultural and other loans to farmers		127		127		---			106		106		---
Residential real estate loans		1,214		1,330		---			1,332		1,362		---
Home equity loans		17		17		---			18		18		---
Other consumer		---		---		---			---		---		---
Subtotal	$	3,347	$	3,463	$	---		$	3,350	$	3,574	$	----
With an allowance:
Commercial real estate mortgages	$	536	$	536	$	43		$	531	$	531	$	43
Commercial and industrial		220		370		175			224		374		175
Commercial construction and
land development		813		2,738		60			1,111		3,036		58
Agricultural and other loans to farmers		---		---		---			---		---		---
Residential real estate loans		512		628		92			515		515		97
Home equity loans		---		---		---			---		---		---
Other consumer		7		7		---			8		8		---
Subtotal	$	2,088	$	4,279	$	370		$	2,389	$	4,464	$	373
Total	$	5,435	$	7,742	$	370		$	5,739	$	8,038	$	373

Details of impaired loans for the three and six months ended June 30, 2016 and 2015 follows:

	June 30, 2016										June 30, 2015
		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	$	1,850	$	32		$	1,859	$	53		$	2,413	$	7		$	2,698	$	14
Commercial and industrial		92		2			94		4			441		3			446		5
Commercial construction
And land development		---		---			---		---			1,260		---			1,260		---
Agricultural and other
loans to farmers		128		3			135		5			113		2			118		4
Residential real
estate mortgages		1,214		17			1,146		38			1,498		13			1,483		25
Home equity loans		16		---			17		1			18		---			19		1
Other consumer		---		---			---		---			---		---			---		---
Subtotal	$	3,300	$	54		$	3,251	$	101		$	5,743	$	25		$	6,024	$	49
With an allowance:
Commercial real
estate mortgages	$	482	$	---		$	443	$	---		$	955	$	---		$	955	$	---
Commercial and industrial		221		---			222		---			170		---			170		---
Commercial construction
and land development		865		---			988		---			---		---			---		---
Agricultural and other
loans to farmers		---		---			---		---			54		---			54		---
Residential real
estate mortgages		513		---			514		---			184		---			183		---
Home equity loans		---		---			---		---			---		---			---		---
Other consumer		7		---			8		---			10		---			10		---
Subtotal	$	2,088	$	---		$	2,175	$	---		$	1,373	$	---		$	1,372	$	---
Total	$	5,388	$	54		$	5,426	$	101		$	7,116	$	25		$	7,396	$	49

Schedule Of Loans With Credit Quality Indicators

						Commercial		Agricultural
		Commercial		Commercial		construction		and other
		real estate		and		and land		loans to
June 30, 2016		mortgages		industrial		development		farmers		Total
Pass	$	364,130	$	76,628	$	24,654	$	32,507	$	497,919
Other Assets Especially
Mentioned		10,381		1,838		---		289		12,508
Substandard		15,509		2,281		813		285		18,888
Doubtful		---		---		---		---		---
Loss		13		2		---		---		15
Total	$	390,033	$	80,749	$	25,467	$	33,081	$	529,330

						Commercial		Agricultural
		Commercial		Commercial		construction		and other
		real estate		and		and land		loans to
December 31, 2015		mortgages		industrial		development		farmers		Total
Pass	$	345,197	$	74,771	$	23,460	$	30,688	$	474,116
Other Assets Especially
Mentioned		7,381		2,349		355		168		10,253
Substandard		18,424		2,790		1,111		147		22,472
Doubtful		---		---		---		---		---
Loss		---		1		---		---		1
Total	$	371,002	$	79,911	$	24,926	$	31,003	$	506,842

Schedule Of Allowance For Loan Losses By Portfolio Segment

								Commercial
Three Months					Commercial			Construction
Ended	Commercial				and			and land					Residential						Home		Tax
June 30, 2016	Real Estate				Industrial			development			Agricultural		Real Estate			Consumer			Equity		Exempt			Total
Beginning Balance	$	4,667		$	1,233		$	231		$	365	$	2,621		$	108		$	539		$	50	$	9,814
Charged Off		--			(1	)		--			--		(91	)		(7	)		--			--		(99	)
Recoveries		7			3			--			--		8			7			1			--		26
Provision		(9	)		32			(36	)		18		145			(8	)		7			1		150
Ending Balance	$	4,665		$	1,267		$	195		$	383	$	2,683		$	100		$	547		$	51	$	9,891
								Commercial
								Construction
Six Months Ended	Commercial				Commercial			and land					Residential						Home		Tax
June 30, 2016	Real Estate				and Industrial			development			Agricultural		Real Estate			Consumer			Equity		Exempt			Total
Beginning Balance	$	4,246		$	1,236		$	184		$	307	$	2,747		$	111		$	561		$	47	$	9,439
Charged Off		(34	)		(90	)		--			--		(122	)		(17	)		--			--		(263	)
Recoveries		13			4			--			40		28			13			2			--		100
Provision		440			117			11			36		30			(7	)		(16	)		4		615
Ending Balance	$	4,665		$	1,267		$	195		$	383	$	2,683		$	100		$	547		$	51	$	9,891
of which:
Amount for loans
individually
evaluated for
impairment	$	43		$	175		$	60		$	---	$	54		$	38		$	---		$	--	$	370
Amount for loans
collectively
evaluated for
impairment	$	4,622		$	1,092		$	135		$	383	$	2,629		$	62		$	547		$	51	$	9,521
Loans individually
Evaluated for
impairment	$	2,436		$	309		$	813		$	127	$	1,540		$	7		$	203		$	--	$	5,435
Loans collectively
Evaluated for
impairment	$	387,597		$	80,440		$	24,654		$	32,954	$	445,393		$	6,939		$	49,127		$	16,352	$	1,043,456
								Commercial
Three Months								Construction
Ended	Commercial				Commercial			and land					Residential						Home		Tax
June 30, 2015	Real Estate				and Industrial			development			Agricultural		Real Estate			Consumer			Equity		Exempt			Total
Beginning Balance	$	4,500		$	1,074		$	107		$	334		2,875		$	145		$	367		$	76	$	9,478
Charged Off		(181	)		(213	)		--			--		(70	)		(14	)		(311	)		--		(789	)
Recoveries		5			1			--			--		--			4			--			--		10
Provision		(35	)		285			38			38		(320	)		(25	)		416			3		400
Ending Balance	$	4,289		$	1,147		$	145		$	372	$	2,485		$	110		$	472		$	79	$	9,099

								Commercial
								Construction
Six Months Ended		Commercial			Commercial			and land					Residential						Home			Tax
June 30, 2015		Real Estate			and Industrial			development		Agricultural			Real Estate			Consumer			Equity			Exempt		Total
Beginning Balance	$	4,468		$	929		$	145	$	277		$	2,714		$	94		$	271		$	71	$	8,969
Charged Off		(206	)		(288	)		--		(18	)		(70	)		(25	)		(351	)		--		(958	)
Recoveries		39			2			--		12			129			11			--			--		193
Provision		(12	)		504			--		101			(288	)		30			552			8		895
Ending Balance	$	4,289		$	1,147		$	145	$	372		$	2,485		$	110		$	472		$	79	$	9,099
of which:
Amount for loans
individually
evaluated for
impairment	$	419		$	169		$	---	$	47		$	40		$	---		$	1		$	-	$	676
Amount for loans
collectively
evaluated for
impairment	$	3,870		$	978		$	145	$	325		$	2,445		$	110		$	471		$	79	$	8,423
Loans individually
evaluated for
impairment	$	2,992		$	469		$	1,260	$	166		$	1,180		$	9		$	---		$	----	$	6,076
Loans collectively
Evaluated for
impairment	$	351,137		$	87,733		$	33,160	$	33,368		$	392,575		$	11,132		$	51,794		$	16,146	$	977,045

								Commercial
Twelve Months					Commercial			Construction
Ended		Commercial			and			and land					Residential						Home			Tax
December 31, 2015		Real Estate			Industrial			development		Agricultural			Real Estate			Consumer			Equity			Exempt			Total
Beginning Balance	$	4,468		$	929		$	145	$	277		$	2,714		$	94		$	271		$	71		$	8,969
Charged Off		(667	)		(323	)		---		(72	)		(70	)		(111	)		(376	)		--			(1,619	)
Recoveries		98			36			---		18			129			22			1			--			304
Provision		347			594			39		84			(26	)		106			665			(24	)		1,785
Ending Balance	$	4,246		$	1,236		$	184	$	307		$	2,747		$	111		$	561		$	47		$	9,439
of which:
Amount for loans
individually
evaluated
for impairment	$	43		$	175		$	58	$	---		$	97		$	---		$	---		$	---		$	373
Amount for loans
collectively
evaluated for
impairment	$	4,203		$	1,061		$	126	$	307		$	2,650		$	111		$	561		$	47		$	9,066
Loans individually
evaluated
for impairment	$	2,223		$	426		$	1,111	$	106		$	1,847		$	8		$	18		$	---		$	5,739
Loans collectively
evaluated
for impairment	$	368,779		$	79,485		$	23,815	$	30,897		$	404,805		$	9,690		$	51,512		$	15,244		$	984,227

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

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Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

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Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

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Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.

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-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5111-111524

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- Definition

Tabular disclosure of troubled debt restructuring which results when the debtor restructures the terms of its debt with a creditor due to the debtor's financial difficulties and the creditor grants certain concessions to obtain payment it might not otherwise receive. Includes a description of the principal changes in terms, the major features of settlement for each restructuring, the aggregate gain on restructuring and the related income tax effect, the per share amount of the total gain on restructuring, net of related income tax effect, and the total gain (loss) on transfers of assets recognized during the period. After the troubled debt restructuring has occurred debtors discuss the extent and amount to which amounts contingently payable are included in the carrying amount of restructured payables, and the conditions under which those amounts would become payable or would be forgiven when there is at least a reasonable possibility that a liability for contingent payments will be incurred.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 60
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6402221&loc=d3e15765-112638

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 60
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6402221&loc=d3e15743-112638

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