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Loans (Tables)
 9 Months Ended
Sep. 30, 2012
Loans and Leases Receivable Disclosure [Abstract]  
Outstanding loans
Outstanding loans are summarized as follows:
 
Loan Type (Dollars in thousands)
 
September 30, 2012
 
% of Total
Loans
 
December 31, 2011
 
% of Total
Loans
Commercial:
 
 

 
 

 
 

 
 

Commercial and industrial
 
$
71,439

 
17.9
%
 
$
78,089

 
18.3
%
Agricultural land and production
 
41,638

 
10.4
%
 
29,958

 
7.0
%
Total commercial
 
113,077

 
28.3
%
 
108,047

 
25.3
%
Real estate:
 
 

 
 

 
 

 
 

Owner occupied
 
109,231

 
27.3
%
 
113,183

 
26.4
%
Real estate construction and other land loans
 
33,234

 
8.3
%
 
33,047

 
7.7
%
Commercial real estate
 
54,146

 
13.6
%
 
62,523

 
14.6
%
Agricultural real estate
 
29,408

 
7.4
%
 
42,596

 
9.9
%
Other real estate
 
8,166

 
2.0
%
 
7,892

 
1.8
%
Total real estate
 
234,185

 
58.6
%
 
259,241

 
60.4
%
Consumer:
 
 

 
 

 
 

 
 

Equity loans and lines of credit
 
44,335

 
11.1
%
 
51,106

 
12.0
%
Consumer and installment
 
8,125

 
2.0
%
 
9,765

 
2.3
%
Total consumer
 
52,460

 
13.1
%
 
60,871

 
14.3
%
Deferred loan fees, net
 
(586
)
 
 

 
(764
)
 
 

Total gross loans
 
399,136

 
100.0
%
 
427,395

 
100.0
%
Allowance for credit losses
 
(10,214
)
 
 

 
(11,396
)
 
 

Total loans
 
$
388,922

 
 

 
$
415,999