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Loans
9 Months Ended
Sep. 30, 2011
Loans 
Loans

 

 

Note 6.  Loans

 

Outstanding loans are summarized as follows:

 

Loan Type

 

September 30, 2011

 

% of Total
Loans

 

December 31, 2010

 

% of Total
Loans

 

 

 

(Dollars in thousands)

 

 

 

(Dollars in thousands)

 

 

 

Commercial:

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

74,305

 

17.5

%

$

87,628

 

20.3

%

Agricultural production

 

30,774

 

7.2

%

17,545

 

4.1

%

Total commercial

 

105,079

 

24.7

%

105,173

 

24.4

%

Real estate:

 

 

 

 

 

 

 

 

 

Owner occupied

 

111,038

 

26.1

%

111,890

 

25.9

%

Real estate-construction and other land loans

 

32,237

 

7.6

%

32,848

 

7.6

%

Commercial real estate

 

62,236

 

14.6

%

63,557

 

14.7

%

Agricultural real estate

 

46,008

 

10.8

%

44,205

 

10.2

%

Other

 

20,565

 

4.8

%

31,409

 

7.3

%

Total real estate

 

272,084

 

63.9

%

283,909

 

65.7

%

Consumer:

 

 

 

 

 

 

 

 

 

Equity loans and lines of credit

 

39,653

 

9.2

%

34,521

 

8.0

%

Consumer and installment

 

9,598

 

2.2

%

8,493

 

1.9

%

Total consumer

 

49,251

 

11.4

%

43,014

 

9.9

%

Deferred loan fees, net

 

(648

)

 

 

(499

)

 

 

Total gross loans

 

425,766

 

100.0

%

431,597

 

100.0

%

Allowance for credit losses

 

(11,031

)

 

 

(11,014

)

 

 

Total loans

 

$

414,735

 

 

 

$

420,583

 

 

 

 

At September 30, 2011 and December 31, 2010, loans originated under Small Business Administration (SBA) programs totaling $6,985,000 and $7,932,000, respectively, were included in the real estate and commercial categories.