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Loans And Allowance For Loan Losses (Tables)

9 Months Ended

Sep. 30, 2016

Loans And Allowance For Loan Losses [Abstract]

Summary Of Composition Of Loan Portfolio

		September 30,			December 31,
		2016			2015
Commercial real estate mortgages	$	387,838		$	371,002
Commercial and industrial		97,608			79,911
Commercial construction and land development		15,869			24,926
Agricultural and other loans to farmers		32,435			31,003
Total commercial loans		533,750			506,842
Residential real estate mortgages		484,347			408,401
Home equity loans		47,640			51,530
Other consumer loans		6,564			7,949
Total consumer loans		538,551			467,880
Tax exempt loans		16,109			15,244
Net deferred loan costs and fees		(167	)		104
Total loans		1,088,243			990,070
Allowance for loan losses		(10,103	)		(9,439	)
Total loans net of allowance for loan losses	$	1,078,140		$	980,631

Summary Of Non-Performing Loans

		September 30,		December 31,
		2016		2015
Commercial real estate mortgages	$	1,841	$	1,279
Commercial and industrial loans		276		292
Commercial construction and land development		637		1,111
Agricultural and other loans to farmers		---		16
Total commercial loans		2,754		2,698
Residential real estate mortgages		3,429		3,452
Home equity loans		102		820
Other consumer loans		117		10
Total consumer loans		3,648		4,282
Total non-accrual loans		6,402		6,980
Accruing loans contractually past due 90 days or more		---		28
Total non-performing loans	$	6,402	$	7,008

Summary Of Troubled Debt Restructures

	For the Three Months Ended						For the Nine Months Ended
	September 30, 2016						September 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		2	$	936	$	915	5	$	1,361	$	1,326
Commercial and industrial loans		2		51		51	2		51		51
Agricultural and other loans to farmers		---		---		---	2		30		24
Total commercial loans		4		987		966	9		1,442		1,401
Other consumer loans		1	$	9	$	9	1	$	9	$	9
Total consumer loans		1		9		9	1		9		9
Total		5	$	996	$	975	10	$	1,451	$	1,410

	For the Three Months Ended					For the Nine Months Ended
	September 30, 2015					September 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
Commercial real estate mortgages	3	$	214	$	226	3	$	214	$	226
Agricultural and other loans to farmers	---		---		---	1		18		16
Total commercial loans	3		214		226	4		232		242
Residential real estate mortgages	---	$	---	$	---	3	$	1,267	$	1,266
Total consumer loans	---		---		---	3		1,267		1,266
Total	3	$	214	$	226	7	$	1,499	$	1,508

Summary Of Post-Modification Balance of Troubled Debt Restructurings

		September 30, 2016				September 30, 2015
		Three Months		Nine Months		Three Months		Nine Months
		Ended		Ended		Ended		Ended
Extended maturity and adjusted interest rate	$	---	$	---	$	118	$	134
Extended maturity and adjusted payment		60		468		---		---
Adjusted payment		915		915		---		607
Adjusted payment and capitalized interest		---		---		---		187
Extended maturity, adjusted interest rate
and adjusted payment		---		---		108		580
Other concessions		---		27		---		---
Total	$	975	$	1,410	$	226	$	1,508

Schedule Of Past Due Loans

																>90 Days
September 30, 2016		30-59		60-89		90Days										Past Due
		Days		Days		or		Total				Total		Non-		and
		Past Due		Past Due		Greater		Past Due		Current		Loans		Accrual		Accruing
Commercial real
estate mortgages	$	281	$	163	$	869	$	1,313	$	386,525	$	387,838	$	1,841	$	---
Commercial and industrial		43		---		190		233		97,375		97,608		276		---
Commercial construction
and land development		---		---		637		637		15,232		15,869		637		---
Agricultural and other
loans to farmers		---		29		---		29		32,406		32,435		---		---
Residential real
estate mortgages		720		409		1,084		2,213		482,134		484,347		3,429		---
Home equity		1		---		39		40		47,600		47,640		102		---
Other consumer loans		6		3		11		20		6,544		6,564		117		---
Tax exempt		---		---		---		---		16,109		16,109		---		---
Total	$	1,051	$	604	$	2,830	$	4,485	$	1,083,925	$	1,088,410	$	6,402	$	---

																>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 September 30, 2016 and December 31, 2015 follows:

	September 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	$	3,308	$	3,396	$	---	$	1,692	$	1,736	$	---
Commercial and industrial		136		136				202		352		---
Commercial construction and
land development		---		---		---		---		---		---
Agricultural and other loans to farmers		122		122		---		106		106		---
Residential real estate loans		1,223		1,340		---		1,332		1,362		---
Home equity loans		16		16		---		18		18		---
Other consumer		---		---		---		---		---		---
Subtotal	$	4,805	$	5,010	$	---	$	3,350	$	3,574	$	---
With an allowance:
Commercial real estate mortgages	$	659	$	659	$	40	$	531	$	531	$	43
Commercial and industrial		219		369		174		224		374		175
Commercial construction and
land development		637		2,562		60		1,111		3,036		58
Agricultural and other loans to farmers		---		---		---		---		---		---
Residential real estate loans		495		495		87		515		515		97
Home equity loans		---		---		---		---		---		---
Other consumer		16		16		10		8		8		---
Subtotal	$	2,026	$	4,101	$	371	$	2,389	$	4,464	$	373
Total	$	6,831	$	9,111	$	371	$	5,739	$	8,038	$	373

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

	September 30, 2016								September 30, 2015
		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
estate mortgages	$	2,775	$	38	$	2,713	$	131	$	2,408	$	20	$	3,099	$	42
Commercial and industrial		138		1		141		2		231		2		334		7
Commercial construction
and land development		---		---		---		---		---		---		---		---
Agricultural and other
loans to farmers		124		3		131		8		123		3		155		7
Residential real
estate mortgages		1,342		17		1,344		55		1,332		8		1,325		21
Home equity loans		16		---		17		1		18		---		18		1
Other consumer		---		1		---		1		---		---		---		---
Subtotal	$	4,395	$	60	$	4,346	$	198	$	4,112	$	33	$	4,931	$	78
With an allowance:
Commercial real
estate mortgages	$	533	$	---	$	551	$	---	$	405	$	---	$	405	$	---
Commercial and industrial		220		---		221		---		226		---		228		---
Commercial construction				---				---				---
and land development		809				928				1,260				1,260		---
Agricultural and other
loans to farmers		---		---		---		---		---		---		---		---
Residential real
estate mortgages		496		---		331		---		348		---		346		---
Home equity loans		---		---		---		---		---		---				---
Other consumer		16		---		17		---		10		---		10		---
Subtotal	$	2,074	$	---	$	2,048	$	---	$	2,249	$	---	$	2,249	$	---
Total	$	6,469	$	60	$	6,394	$	198	$	6,361	$	33	$	7,180	$	78

Schedule Of Loans With Credit Quality Indicators

						Commercial		Agricultural
		Commercial		Commercia		construction		and other
		real estate		l and		and land		loans to
September 30, 2016		mortgages		industrial		development		farmers		Total
Pass	$	361,326	$	93,652	$	15,232	$	31,882	$	502,092
Other Assets Especially
Mentioned		11,404		1,680		---		279		13,363
Substandard		15,108		2,274		637		274		18,293
Doubtful		---		---		---		---		---
Loss		---		2		---		---		2
Total	$	387,838	$	97,608	$	15,869	$	32,435	$	533,750

						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
					Commercial			Construction
Three Months Ended		Commercial			and			and land						Residential						Home			Tax
September 30, 2016		Real Estate			Industrial			development			Agricultural			Real Estate			Consumer			Equity			Exempt		Total
Beginning Balance	$	4,665		$	1,267		$	195		$	383		$	2,683		$	100		$	547		$	51	$	9,891
Charged Off		(99	)		---			---			---			(19	)		(2	)		---			---		(120	)
Recoveries		22			151			---			5			8			4			3			---		193
Provision		321			(85	)		(53	)		(34	)		8			16			(35	)		1		139
Ending Balance	$	4,909		$	1,333		$	142		$	354		$	2,680		$	118		$	515		$	52	$	10,103

								Commercial
					Commercial			Construction
Nine Months Ended		Commercial			and			and land					Residential						Home			Tax
September 30, 2016		Real Estate			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		(133	)		(90	)		---			---		(141	)		(19	)		---			---		(383	)
Recoveries		35			155			---			45		36			17			5			---		293
Provision		761			32			(42	)		2		38			9			(51	)		5		754
Ending Balance	$	4,909		$	1,333		$	142		$	354	$	2,680		$	118		$	515		$	52	$	10,103
of which:
Amount for loans
individually evaluated
for impairment	$	40		$	174		$	60		$	---	$	87		$	---		$	10		$	---	$	371
Amount for loans
collectively evaluated
for impairment	$	4,869		$	1,159		$	82		$	354	$	2,593		$	118		$	505		$	52	$	9,732
Loans individually
evaluated for
impairment	$	3,967		$	355		$	637		$	122	$	1,718		$	16		$	16		$	---	$	6,831
Loans collectively
evaluated for
impairment	$	383,871		$	97,253		$	15,232		$	32,313	$	482,629		$	6,548		$	47,624		$	16,109	$	1,081,579

								Commercial
					Commercial			Construction
Three Months Ended		Commercial			and			and land						Residential						Home			Tax
September 30, 2015		Real Estate			Industrial			development			Agricultural			Real Estate			Consumer			Equity			Exempt			Total
Beginning Balance	$	4,289		$	1,147		$	145		$	372		$	2,485		$	110		$	472		$	79		$	9,099
Charged Off		(461	)		(22	)		---			(54	)		---			(23	)		(25	)		---			(585	)
Recoveries		58			31			---			3			---			6			---			---			98
Provision		600			(49	)		(12	)		28			(182	)		11			34			(5	)		425
Ending Balance	$	4,486		$	1,107		$	133		$	349		$	2,303		$	104		$	481		$	74		$	9,037

								Commercial
					Commercial			Construction
Nine Months Ended		Commercial			and			and land						Residential						Home			Tax
September 30, 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	)		(310	)		---			(72	)		(70	)		(48	)		(376	)		---		(1,543	)
Recoveries		97			33			---			15			129			17			---			---		291
Provision		588			455			(12	)		129			(470	)		41			586			3		1,320
Ending Balance	$	4,486		$	1,107		$	133		$	349		$	2,303		$	104		$	481		$	74	$	9,037
of which:
Amount for loans
individually
evaluated for
impairment	$	39		$	176		$	24		$	---		$	52		$	---		$	---		$	---	$	291
Amount for loans
collectively
evaluated
for impairment	$	4,447		$	931		$	109		$	349		$	2,251		$	104		$	481		$	74	$	8,746
Loans individually
evaluated
for impairment	$	1,988		$	437		$	1,260		$	108		$	1,650		$	9		$	18		$	---	$	5,470
Loans collectively
evaluated
for impairment	$	370,529		$	77,451		$	23,894		$	32,412		$	389,418		$	10,138		$	51,272		$	15,319	$	970,433

								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 (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

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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.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5111-111524

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X

- 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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