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