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Loans
 3 Months Ended
Mar. 31, 2013
Loans and Leases Receivable Disclosure [Abstract]  
Loans
Loans
 
Outstanding loans are summarized as follows:
 
Loan Type (Dollars in thousands)
 
March 31, 2013
 
% of Total
Loans
 
December 31, 2012
 
% of Total
Loans
Commercial:
 
 

 
 

 
 

 
 

Commercial and industrial
 
$
75,511

 
19.3
%
 
$
77,956

 
19.7
%
Agricultural land and production
 
25,884

 
6.6
%
 
26,599

 
6.7
%
Total commercial
 
101,395

 
25.9
%
 
104,555

 
26.4
%
Real estate:
 
 

 
 

 
 

 
 

Owner occupied
 
104,023

 
26.6
%
 
114,444

 
28.9
%
Real estate construction and other land loans
 
32,309

 
8.3
%
 
33,199

 
8.4
%
Commercial real estate
 
64,555

 
16.5
%
 
53,797

 
13.6
%
Agricultural real estate
 
31,727

 
8.1
%
 
28,400

 
7.2
%
Other real estate
 
9,891

 
2.5
%
 
8,098

 
2.0
%
Total real estate
 
242,505

 
62.0
%
 
237,938

 
60.1
%
Consumer:
 
 

 
 

 
 

 
 

Equity loans and lines of credit
 
39,490

 
10.1
%
 
42,932

 
10.9
%
Consumer and installment
 
7,882

 
2.0
%
 
10,346

 
2.6
%
Total consumer
 
47,372

 
12.1
%
 
53,278

 
13.5
%
Deferred loan fees, net
 
(307
)
 
 

 
(453
)
 
 

Total gross loans
 
390,965

 
100.0
%
 
395,318

 
100.0
%
Allowance for credit losses
 
(9,489
)
 
 

 
(10,133
)
 
 

Total loans
 
$
381,476

 
 

 
$
385,185

 
 


 
At March 31, 2013 and December 31, 2012, loans originated under Small Business Administration (SBA) programs totaling $4,736,000 and $5,586,000, respectively, were included in the real estate and commercial categories.