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Loans
 12 Months Ended
Dec. 31, 2012
Loans and Leases Receivable Disclosure [Abstract]  
Loans
LOANS
 
Outstanding loans are summarized as follows (in thousands):
Loan Type 
 
December 31,
2012
 
% of Total 
loans
 
December 31,
2011
 
% of Total 
loans
Commercial:
 
 

 
 

 
 

 
 

Commercial and industrial
 
$
77,956

 
19.7
%
 
$
78,089

 
18.3
%
Agricultural land and production
 
26,599

 
6.7
%
 
29,958

 
7.0
%
Total commercial
 
104,555

 
26.4
%
 
108,047

 
25.3
%
Real estate:
 
 
 
 
 
 
 
 
Owner occupied
 
114,444

 
28.9
%
 
113,183

 
26.4
%
Real estate construction and other land loans
 
33,199

 
8.4
%
 
33,047

 
7.7
%
Commercial real estate
 
53,797

 
13.6
%
 
62,523

 
14.6
%
Agricultural real estate
 
28,400

 
7.2
%
 
42,596

 
9.9
%
Other real estate
 
8,098

 
2.0
%
 
7,892

 
1.8
%
Total real estate
 
237,938

 
60.1
%
 
259,241

 
60.4
%
Consumer:
 
 
 
 
 
 
 
 
Equity loans and lines of credit
 
42,932

 
10.9
%
 
51,106

 
12.0
%
Consumer and installment
 
10,346

 
2.6
%
 
9,765

 
2.3
%
Total consumer
 
53,278

 
13.5
%
 
60,871

 
14.3
%
Deferred loan fees, net
 
(453
)
 
 
 
(764
)
 
 
Total gross loans
 
395,318

 
100.0
%
 
427,395

 
100.0
%
Allowance for credit losses
 
(10,133
)
 
 

 
(11,396
)
 
 

Total loans
 
$
385,185

 
 

 
$
415,999

 
 


 
At December 31, 2012 and 2011, loans originated under Small Business Administration (SBA) programs totaling $5,586,000 and $6,421,000, respectively, were included in the real estate and commercial categories. Approximately $90,601,000 in loans were pledged under a blanket lien as collateral to the FHLB for the Bank’s remaining borrowing capacity of $129,034,000 as of December 31, 2012. The Bank’s credit limit varies according to the amount and composition of the investment and loan portfolios pledged as collateral.
Salaries and employee benefits totaling $754,000, $229,000, and $305,000 have been deferred as loan origination costs for the years ended December 31, 2012, 2011, and 2010, respectively.