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Loans (Tables) | 9 Months Ended
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Sep. 30, 2012
Loans [Abstract] |
Loan balances |
|  | (In Thousands) |
|  | September 30, 2012 |  |  | December 31, 2011 |
Loans: |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 198,856 |  |  | $ | 201,158 |
Agricultural real estate |  |  | 32,221 |  |  |  | 31,993 |
Consumer real estate |  |  | 81,041 |  |  |  | 81,585 |
Commercial and industrial |  |  | 100,126 |  |  |  | 114,497 |
Agricultural |  |  | 56,581 |  |  |  | 52,598 |
Consumer |  |  | 21,166 |  |  |  | 23,375 |
Industrial Development Bonds |  |  | 1,427 |  |  |  | 1,196 |
|  | $ | 491,418 |  |  | $ | 506,402 |
Less: Net deferred loan fees and costs |  |  | (114 | ) |  |  | (187 | )
|  |  | 491,304 |  |  |  | 506,215 |
Less: Allowance for loan losses |  |  | (5,134 | ) |  |  | (5,091 | )
Loans - Net |  | $ | 486,170 |  |  | $ | 501,124 |
Maturity schedule by major category of loans |
|  | (In Thousands) |
|  | Within One Year |  |  | After One Year Within Five Years |  |  | After Five Years |
Commercial Real Estate |  | $ | 24,132 |  |  | $ | 105,178 |  |  | $ | 69,546 |
Agricultural Real Estate |  |  | 3,207 |  |  |  | 9,586 |  |  |  | 19,428 |
Consumer Real Estate |  |  | 6,954 |  |  |  | 14,650 |  |  |  | 59,437 |
Commercial/Industrial |  |  | 64,640 |  |  |  | 32,475 |  |  |  | 3,011 |
Agricultural |  |  | 36,501 |  |  |  | 17,961 |  |  |  | 2,119 |
Consumer |  |  | 5,062 |  |  |  | 13,891 |  |  |  | 2,099 |
Industrial Development Bonds |  |  | 442 |  |  |  | 93 |  |  |  | 892 |
Distribution of fixed rate loans and variable rate loans by major loan category |
|  | (In Thousands) |
|  | Fixed Rate |  |  | Variable Rate |
Commercial Real Estate |  | $ | 118,823 |  |  | $ | 80,033 |
Agricultural Real Estate |  |  | 22,198 |  |  |  | 10,023 |
Consumer Real Estate |  |  | 68,836 |  |  |  | 12,205 |
Commercial/Industrial |  |  | 77,469 |  |  |  | 22,657 |
Agricultural |  |  | 52,395 |  |  |  | 4,186 |
Consumer |  |  | 20,409 |  |  |  | 643 |
Industrial Development Bonds |  |  | 1,427 |  |  |  | 0 |
Contractual aging of the recorded investment in past due loans by class or loans |
|  | (In Thousands) |
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Greater Than 90 Days Past Due |  |  | Total Past Due |  |  | Current |  |  | Total Financing Receivables |  |  | Recorded Investment > 90 Days and Accruing |
September 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer real estate |  | $ | 887 |  |  | $ | 189 |  |  | $ | 776 |  |  | $ | 1,852 |  |  | $ | 79,189 |  |  | $ | 81,041 |  |  | $ | — |
Agricultural real estate |  |  | 30 |  |  |  | — |  |  |  | — |  |  |  | 30 |  |  |  | 32,191 |  |  |  | 32,221 |  |  |  | — |
Agricultural |  |  | — |  |  |  | 21 |  |  |  | — |  |  |  | 21 |  |  |  | 56,560 |  |  |  | 56,581 |  |  |  | — |
Commercial Real Estate |  |  | 179 |  |  |  | — |  |  |  | 894 |  |  |  | 1,073 |  |  |  | 197,783 |  |  |  | 198,856 |  |  |  | — |
Commercial and Industrial |  |  | 130 |  |  |  | 3 |  |  |  | 2,325 |  |  |  | 2,458 |  |  |  | 99,095 |  |  |  | 101,553 |  |  |  | — |
Consumer |  |  | 35 |  |  |  | 6 |  |  |  | — |  |  |  | 41 |  |  |  | 21,011 |  |  |  | 21,052 |  |  |  | — |
Total |  | $ | 1,261 |  |  | $ | 219 |  |  | $ | 3,995 |  |  | $ | 5,475 |  |  | $ | 485,829 |  |  | $ | 491,304 |  |  | $ | — |
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Greater Than 90 Days Past Due |  |  | Total Past Due |  |  | Current |  |  | Total Financing Receivables |  |  | Recorded Investment > 90 Days and Accruing |
December 31, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer real estate |  | $ | 753 |  |  | $ | 248 |  |  | $ | 441 |  |  | $ | 1,442 |  |  | $ | 80,143 |  |  | $ | 81,585 |  |  | $ | — |
Agricultural real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 31,993 |  |  |  | 31,993 |  |  |  | — |
Agricultural |  |  | 7 |  |  |  | — |  |  |  | — |  |  |  | 7 |  |  |  | 52,591 |  |  |  | 52,598 |  |  |  | — |
Commercial Real Estate |  |  | 46 |  |  |  | 611 |  |  |  | 927 |  |  |  | 1,584 |  |  |  | 199,574 |  |  |  | 201,158 |  |  |  | — |
Commercial and Industrial |  |  | 78 |  |  |  | — |  |  |  | 420 |  |  |  | 498 |  |  |  | 115,195 |  |  |  | 115,693 |  |  |  | — |
Consumer |  |  | 24 |  |  |  | — |  |  |  | — |  |  |  | 24 |  |  |  | 23,164 |  |  |  | 23,188 |  |  |  | — |
Total |  | $ | 908 |  |  | $ | 859 |  |  | $ | 1,788 |  |  | $ | 3,555 |  |  | $ | 502,660 |  |  | $ | 506,215 |  |  | $ | — |
Recorded investment in nonaccrual loans by class of loans |
|  | (In Thousands) |
|  | September 30 2012 |  |  | December 31 2011 |
Consumer real estate |  | $ | 1,107 |  |  | $ | 700 |
Agricultural real estate |  |  | — |  |  |  | — |
Agricultural |  |  | — |  |  |  | 7 |
Commercial Real Estate |  |  | 1,408 |  |  |  | 1,003 |
Commercial and Industrial |  |  | 2,745 |  |  |  | 421 |
Consumer |  |  | — |  |  |  | — |
Total |  | $ | 5,260 |  |  | $ | 2,131 |
Risk category of loans |
|  | Agriculture Real Estate |  |  | Agriculture |  |  | Commercial Real Estate |  |  | Commercial and Industrial |  |  | Industrial Development Bonds |
September 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-2 |  | $ | 1,800 |  |  | $ | 2,696 |  |  | $ | 4,018 |  |  | $ | 967 |  |  | $ | 97 |
3 |  |  | 11,279 |  |  |  | 20,389 |  |  |  | 36,049 |  |  |  | 23,919 |  |  |  | 942 |
4 |  |  | 18,426 |  |  |  | 33,453 |  |  |  | 143,015 |  |  |  | 66,567 |  |  |  | 388 |
5 |  |  | 661 |  |  |  | 43 |  |  |  | 6,199 |  |  |  | 4,055 |  |  |  | — |
6 |  |  | 55 |  |  |  | — |  |  |  | 8,975 |  |  |  | 2,238 |  |  |  | — |
7 |  |  | — |  |  |  | — |  |  |  | 600 |  |  |  | 2,380 |  |  |  | — |
8 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 32,221 |  |  | $ | 56,581 |  |  | $ | 198,856 |  |  | $ | 100,126 |  |  | $ | 1,427 |
|  | Agriculture Real Estate |  |  | Agriculture |  |  | Commercial Real Estate |  |  | Commercial and Industrial |  |  | Industrial Development Bonds |
December 31, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-2 |  | $ | 1,059 |  |  | $ | 1,500 |  |  | $ | 3,545 |  |  | $ | 710 |  |  | $ | 188 |
3 |  |  | 12,613 |  |  |  | 25,019 |  |  |  | 23,346 |  |  |  | 22,506 |  |  |  | 622 |
4 |  |  | 17,255 |  |  |  | 26,008 |  |  |  | 162,788 |  |  |  | 82,745 |  |  |  | 386 |
5 |  |  | 383 |  |  |  | 57 |  |  |  | 6,098 |  |  |  | 3,897 |  |  |  | — |
6 |  |  | 683 |  |  |  | 7 |  |  |  | 4,677 |  |  |  | 4,219 |  |  |  | — |
7 |  |  | — |  |  |  | 7 |  |  |  | 704 |  |  |  | 420 |  |  |  | — |
8 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 31,993 |  |  | $ | 52,598 |  |  | $ | 201,158 |  |  | $ | 114,497 |  |  | $ | 1,196 |
Recorded investment in those classes based on payment activity and assigned grading |
|  | (In Thousands) |
|  | Consumer Real Estate |  |  | Consumer Real Estate |
|  | September 30 2012 |  |  | December 31 2011 |
Grade |  |  |  |  |  |  |  |
Pass |  | $ | 80,242 |  |  | $ | 81,062 |
Special Mention (5) |  |  | — |  |  |  | — |
Substandard (6) |  |  | 535 |  |  |  | 240 |
Doubtful (7) |  |  | 264 |  |  |  | 283 |
Total |  | $ | 81,041 |  |  | $ | 81,585 |
|  | (In Thousands) |
|  | Consumer Credit |  |  | Consumer Credit |  |  | Consumer Other |  |  | Consumer Other |
|  | September 30 2012 |  |  | December 31 2011 |  |  | September 30 2012 |  |  | December 31 2011 |
Performing |  | $ | 3,350 |  |  | $ | 3,607 |  |  | $ | 17,518 |  |  | $ | 19,531 |
Nonperforming |  |  | — |  |  |  | — |  |  |  | 184 |  |  |  | 50 |
Total |  | $ | 3,350 |  |  | $ | 3,607 |  |  | $ | 17,702 |  |  | $ | 19,581 |
Impaired loans classified as troubled debt restructured |
|  | September 30, 2012 Last 3 Months |  |  | September 30, 2012 Last 9 Months |
Troubled Debt Restructurings |  | Number of Contracts Modified in the Last 3 Months |  |  | Pre- Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |  |  | Number of Contracts Modified in the Last 9 Months |  |  | Pre- Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |
Commercial Real Estate |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | 1 |  |  | $ | 1,937 |  |  | $ | 1,937 |
Ag Real Estate |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | — |  |  | $ | — |  |  | $ | — |
Commercial and Industrial |  |  | 2 |  |  | $ | 420 |  |  | $ | 420 |  |  |  | 2 |  |  | $ | 420 |  |  | $ | 420 |
Troubled Debt Restructurings That Subsequently Defaulted |  | Number of Contracts Modified in the Last 3 Months |  |  | Recorded Investment |  |  |  |  |  | Number of Contracts Modified in the Last 9 Months |  |  | Recorded Investment |  |  |  |
Commercial Real Estate |  |  | — |  |  | $ | — |  |  |  |  |  |  |  | — |  |  | $ | — |  |  |  |  |
Ag Real Estate |  |  | — |  |  | $ | — |  |  |  |  |  |  |  | — |  |  | $ | — |  |  |  |  |
Commercial and Industrial |  |  | — |  |  | $ | — |  |  |  |  |  |  |  | — |  |  | $ | — |  |  |  |  |
|  | September 30, 2011 Last 3 Months |  |  | September 30, 2011 Last 9 Months |
Troubled Debt Restructurings |  | Number of Contracts Modified in the Last 3 Months |  |  | Pre- Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |  |  | Number of Contracts Modified in the Last 9 Months |  |  | Pre- Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |
Commercial Real Estate |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | 2 |  |  | $ | 923 |  |  | $ | 688 |
Ag Real Estate |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | — |  |  | $ | — |  |  | $ | — |
Commercial and Industrial |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | — |  |  | $ | — |  |  | $ | — |
Troubled Debt Restructurings That Subsequently Defaulted |  | Number of Contracts Modified in the Last 3 Months |  |  | Recorded Investment |  |  |  |  |  | Number of Contracts Modified in the Last 9 Months |  |  | Recorded Investment |  |  |  |
Commercial Real Estate |  |  | 1 |  |  | $ | — |  |  |  |  |  |  |  | 1 |  |  | $ | 207 |  |  |  |  |
Ag Real Estate |  |  | — |  |  | $ | — |  |  |  |  |  |  |  | — |  |  | $ | — |  |  |  |  |
Commercial and Industrial |  |  | — |  |  | $ | — |  |  |  |  |  |  |  | — |  |  | $ | — |  |  |  |  |
Loans individually evaluated for impairment by class of loans |
Three Months Ended September 30, 2012 |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer real estate |  | $ | 573 |  |  | $ | 645 |  |  | $ | — |  |  | $ | 485 |  |  | $ | 2 |
Agriculture real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Agriculture |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | 207 |  |  |  | 384 |  |  |  | — |  |  |  | 207 |  |  |  | — |
Commercial and industrial |  |  | 365 |  |  |  | 365 |  |  |  | — |  |  |  | 365 |  |  |  | — |
Consumer |  |  | — |  |  |  | 4 |  |  |  | — |  |  |  | — |  |  |  | — |
With a specific allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer real estate |  |  | 391 |  |  |  | 391 |  |  |  | 69 |  |  |  | 489 |  |  |  | 1 |
Agriculture real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Agriculture |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | 600 |  |  |  | 847 |  |  |  | — |  |  |  | 620 |  |  |  | — |
Commercial and industrial |  |  | 2,380 |  |  |  | 2,380 |  |  |  | 383 |  |  |  | 2,380 |  |  |  | 7 |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer real estate |  | $ | 964 |  |  | $ | 1,036 |  |  | $ | 69 |  |  | $ | 974 |  |  | $ | 3 |
Agriculture real estate |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Agriculture |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial real estate |  | $ | 807 |  |  | $ | 1,231 |  |  | $ | — |  |  | $ | 827 |  |  | $ | — |
Commercial and industrial |  | $ | 2,745 |  |  | $ | 2,745 |  |  | $ | 383 |  |  | $ | 2,745 |  |  | $ | 7 |
Consumer |  | $ | — |  |  | $ | 4 |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Three Months Ended September 30, 2011 |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer real estate |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 133 |  |  | $ | 7 |
Agriculture real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 223 |  |  |  | — |
Agriculture |  |  | 5,036 |  |  |  | 5,036 |  |  |  | — |  |  |  | 4,768 |  |  |  | 3 |
Commercial real estate |  |  | 1,567 |  |  |  | 1,744 |  |  |  | — |  |  |  | 1,717 |  |  |  | 9 |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 118 |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
With a specific allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer real estate |  |  | 479 |  |  |  | 492 |  |  |  | 101 |  |  |  | 382 |  |  |  | 2 |
Agriculture real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Agriculture |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 104 |  |  |  | — |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer real estate |  | $ | 479 |  |  | $ | 492 |  |  | $ | 101 |  |  | $ | 515 |  |  | $ | 9 |
Agriculture real estate |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 223 |  |  | $ | — |
Agriculture |  | $ | 5,036 |  |  | $ | 5,036 |  |  | $ | — |  |  | $ | 4,768 |  |  | $ | 3 |
Commercial real estate |  | $ | 1,567 |  |  | $ | 1,744 |  |  | $ | — |  |  | $ | 1,821 |  |  | $ | 9 |
Commercial and industrial |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 118 |  |  | $ | — |
Consumer |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Nine Months Ended September 30, 2012 |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer real estate |  | $ | 573 |  |  | $ | 645 |  |  | $ | — |  |  | $ | 285 |  |  | $ | 7 |
Agriculture real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Agriculture |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | 207 |  |  |  | 384 |  |  |  | — |  |  |  | 207 |  |  |  | — |
Commercial and industrial |  |  | 365 |  |  |  | 365 |  |  |  | — |  |  |  | 162 |  |  |  | — |
Consumer |  |  | — |  |  |  | 4 |  |  |  | — |  |  |  | — |  |  |  | — |
With a specific allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer real estate |  |  | 391 |  |  |  | 391 |  |  |  | 69 |  |  |  | 427 |  |  |  | 1 |
Agriculture real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Agriculture |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | 600 |  |  |  | 847 |  |  |  | — |  |  |  | 662 |  |  |  | — |
Commercial and industrial |  |  | 2,380 |  |  |  | 2,380 |  |  |  | 383 |  |  |  | 1,345 |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3 |  |  |  | 10 |
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer real estate |  | $ | 964 |  |  | $ | 1,036 |  |  | $ | 69 |  |  | $ | 712 |  |  | $ | 8 |
Agriculture real estate |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Agriculture |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial real estate |  | $ | 807 |  |  | $ | 1,231 |  |  | $ | — |  |  | $ | 869 |  |  | $ | — |
Commercial and industrial |  | $ | 2,745 |  |  | $ | 2,745 |  |  | $ | 383 |  |  | $ | 1,507 |  |  | $ | — |
Consumer |  | $ | — |  |  | $ | 4 |  |  | $ | — |  |  | $ | 3 |  |  | $ | 10 |
Nine Months Ended September 30, 2011 |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer real estate |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 202 |  |  | $ | 12 |
Agriculture real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 240 |  |  |  | — |
Agriculture |  |  | 5,036 |  |  |  | 5,036 |  |  |  | — |  |  |  | 3,276 |  |  |  | 3 |
Commercial real estate |  |  | 1,567 |  |  |  | 1,744 |  |  |  | — |  |  |  | 1,550 |  |  |  | 20 |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 73 |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | — |
With a specific allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer real estate |  |  | 479 |  |  |  | 492 |  |  |  | 101 |  |  |  | 391 |  |  |  | 2 |
Agriculture real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Agriculture |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 171 |  |  |  | — |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 536 |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer real estate |  | $ | 479 |  |  | $ | 492 |  |  | $ | 101 |  |  | $ | 593 |  |  | $ | 14 |
Agriculture real estate |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 240 |  |  | $ | — |
Agriculture |  | $ | 5,036 |  |  | $ | 5,036 |  |  | $ | — |  |  | $ | 3,276 |  |  | $ | 3 |
Commercial real estate |  | $ | 1,567 |  |  | $ | 1,744 |  |  | $ | — |  |  | $ | 1,721 |  |  | $ | 20 |
Commercial and industrial |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 609 |  |  | $ | — |
Consumer |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | — |
Activities in the allowance for credit losses |
|  | (In Thousands) |
|  | September 30, 2012 |  |  | December 31, 2011 |
Allowance for Loan Losses |  |  |  |  |  |  |  |
Balance at beginning of year |  | $ | 5,091 |  |  | $ | 5,706 |
Provision for loan loss |  |  | 442 |  |  |  | 1,715 |
Loans charged off |  |  | (639 | ) |  |  | (2,681 | )
Recoveries |  |  | 240 |  |  |  | 351 |
Allowance for Loan & Leases Losses |  | $ | 5,134 |  |  | $ | 5,091 |
Allowance for Unfunded Loan Commitments & Letters of Credit |  | $ | 149 |  |  | $ | 130 |
Total Allowance for Credit Losses |  | $ | 5,283 |  |  | $ | 5,221 |
Contribution provided by both the recoveries and the provision along with the reduction of the allowance caused by charge-offs |
|  | Consumer Real Estate |  |  | Agriculture Real Estate |  |  | Agriculture |  |  | Commercial Real Estate |  |  | Commercial |  |  | Consumer (incl. Credit Cards) |  |  | Unfunded Loan Commitment & Letters of Credit |  |  | Unallocated |  |  | Total |
Three Months Ended September 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
ALLOWANCE FOR CREDIT LOSSES: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 460 |  |  | $ | 92 |  |  | $ | 275 |  |  | $ | 1,722 |  |  | $ | 1,856 |  |  | $ | 283 |  |  | $ | 141 |  |  | $ | 348 |  |  | $ | 5,177 |
Charge Offs |  |  | (92 | ) |  |  | — |  |  |  | (6 | ) |  |  | — |  |  |  | — |  |  |  | (142 | ) |  |  | — |  |  |  | — |  |  | $ | (240 | )
Recoveries |  |  | 23 |  |  |  | — |  |  |  | 1 |  |  |  | 3 |  |  |  | 5 |  |  |  | 71 |  |  |  | — |  |  |  | — |  |  | $ | 103 |
Provision |  |  | (37 | ) |  |  | (1 | ) |  |  | 14 |  |  |  | 64 |  |  |  | 14 |  |  |  | 58 |  |  |  | — |  |  |  | 123 |  |  | $ | 235 |
Other Non-interest expense related to unfunded |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 8 |  |  |  | — |  |  | $ | 8 |
Ending Balance |  | $ | 354 |  |  | $ | 91 |  |  | $ | 284 |  |  | $ | 1,789 |  |  | $ | 1,875 |  |  | $ | 270 |  |  | $ | 149 |  |  | $ | 471 |  |  | $ | 5,283 |
Ending balance: individually evaluated for impairment |  | $ | 69 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 383 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 452 |
Ending balance: collectively evaluated for impairment |  | $ | 285 |  |  | $ | 91 |  |  | $ | 284 |  |  | $ | 1,789 |  |  | $ | 1,492 |  |  | $ | 270 |  |  | $ | 149 |  |  | $ | 471 |  |  | $ | 4,831 |
Ending balance: loans acquired with deteriorated credit quality |  | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |
FINANCING RECEIVABLES: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 81,041 |  |  | $ | 32,221 |  |  | $ | 56,581 |  |  | $ | 198,856 |  |  | $ | 101,553 |  |  | $ | 21,052 |  |  | $ | — |  |  | $ | — |  |  | $ | 491,304 |
Ending balance: individually evaluated for impairment |  | $ | 964 |  |  | $ | — |  |  | $ | — |  |  | $ | 807 |  |  | $ | 2,745 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 4,516 |
Ending balance: collectively evaluated for impairment |  | $ | 80,077 |  |  | $ | 32,221 |  |  | $ | 56,581 |  |  | $ | 198,049 |  |  | $ | 98,808 |  |  | $ | 21,052 |  |  | $ | — |  |  | $ | — |  |  | $ | 486,788 |
Ending balance: loans acquired with deteriorated credit quality |  | $ | 547 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 547 |
|  | Consumer Real Estate |  |  | Agriculture Real Estate |  |  | Agriculture |  |  | Commercial Real Estate |  |  | Commercial |  |  | Consumer (incl. Credit Cards) |  |  | Unfunded Loan Commitment & Letters of Credit |  |  | Unallocated |  |  | Total |
Three Months Ended September 30, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
ALLOWANCE FOR CREDIT LOSSES: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 524 |  |  | $ | 156 |  |  | $ | 287 |  |  | $ | 2,052 |  |  | $ | 2,047 |  |  | $ | 340 |  |  | $ | 144 |  |  | $ | 83 |  |  | $ | 5,633 |
Charge Offs |  |  | (190 | ) |  |  | — |  |  | $ | (1 | ) |  |  | (55 | ) |  |  | (180 | ) |  |  | (98 | ) |  |  | — |  |  |  | — |  |  | $ | (524 | )
Recoveries |  |  | 25 |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | 5 |  |  |  | 49 |  |  |  | — |  |  |  | — |  |  | $ | 80 |
Provision |  |  | (30 | ) |  |  | (3 | ) |  |  | (35 | ) |  |  | 28 |  |  |  | 33 |  |  |  | 24 |  |  |  | — |  |  |  | 76 |  |  | $ | 93 |
Other Non-interest expense related to unfunded |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 12 |  |  |  | — |  |  | $ | 12 |
Ending Balance |  | $ | 329 |  |  | $ | 153 |  |  | $ | 251 |  |  | $ | 2,026 |  |  | $ | 1,905 |  |  | $ | 315 |  |  | $ | 156 |  |  | $ | 159 |  |  | $ | 5,294 |
Ending balance: individually evaluated for impairment |  | $ | 101 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 101 |
Ending balance: collectively evaluated for impairment |  | $ | 228 |  |  | $ | 153 |  |  | $ | 251 |  |  | $ | 2,026 |  |  | $ | 1,905 |  |  | $ | 315 |  |  | $ | 156 |  |  | $ | 159 |  |  | $ | 5,193 |
Ending balance: loans acquired with deteriorated credit quality |  | $ | 2 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2 |
FINANCING RECEIVABLES: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 80,607 |  |  | $ | 31,806 |  |  | $ | 54,134 |  |  | $ | 201,167 |  |  | $ | 113,889 |  |  | $ | 23,861 |  |  | $ | — |  |  | $ | — |  |  | $ | 505,464 |
Ending balance: individually evaluated for impairment |  | $ | 479 |  |  | $ | — |  |  | $ | 5,036 |  |  | $ | 1,567 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 7,082 |
Ending balance: collectively evaluated for impairment |  | $ | 80,128 |  |  | $ | 31,806 |  |  | $ | 49,098 |  |  | $ | 199,600 |  |  | $ | 113,889 |  |  | $ | 23,861 |  |  | $ | — |  |  | $ | — |  |  | $ | 498,382 |
Ending balance: loans acquired with deteriorated credit quality |  | $ | 986 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 986 |
Additional analysis related to the allowance for credit losses for nine months ended September 30, 2012 and September 30, 2011 is as follows (in thousands):
Nine Months Ended September 30, 2012 |  | Consumer Real Estate |  |  | Agriculture Real Estate |  |  | Agriculture |  |  | Commercial Real Estate |  |  | Commercial |  |  | Consumer (incl. Credit Cards) |  |  | Unfunded Loan Commitment & Letters of Credit |  |  | Unallocated |  |  | Total |
ALLOWANCE FOR CREDIT LOSSES: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 261 |  |  | $ | 140 |  |  | $ | 266 |  |  | $ | 2,088 |  |  | $ | 1,947 |  |  | $ | 315 |  |  | $ | 130 |  |  | $ | 74 |  |  | $ | 5,221 |
Charge Offs |  |  | (185 | ) |  |  | — |  |  |  | (6 | ) |  |  | (97 | ) |  |  | — |  |  |  | (351 | ) |  |  | — |  |  |  | — |  |  | $ | (639 | )
Recoveries |  |  | 52 |  |  |  | — |  |  |  | 11 |  |  |  | 5 |  |  |  | 24 |  |  |  | 148 |  |  |  | — |  |  |  | — |  |  | $ | 240 |
Provision |  |  | 225 |  |  |  | (49 | ) |  |  | 13 |  |  |  | (207 | ) |  |  | (96 | ) |  |  | 159 |  |  |  | — |  |  |  | 397 |  |  | $ | 442 |
Other Non-interest expense related to unfunded |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 19 |  |  |  | — |  |  | $ | 19 |
Ending Balance |  | $ | 353 |  |  | $ | 91 |  |  | $ | 284 |  |  | $ | 1,789 |  |  | $ | 1,875 |  |  | $ | 271 |  |  | $ | 149 |  |  | $ | 471 |  |  | $ | 5,283 |
Ending balance: individually evaluated for impairment |  | $ | 69 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 383 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 452 |
Ending balance: collectively evaluated for impairment |  | $ | 284 |  |  | $ | 91 |  |  | $ | 284 |  |  | $ | 1,789 |  |  | $ | 1,492 |  |  | $ | 271 |  |  | $ | 149 |  |  | $ | 471 |  |  | $ | 4,831 |
Ending balance: loans acquired with deteriorated credit quality |  | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |
FINANCING RECEIVABLES: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 81,041 |  |  | $ | 32,221 |  |  | $ | 56,581 |  |  | $ | 198,856 |  |  | $ | 101,553 |  |  | $ | 21,052 |  |  | $ | — |  |  | $ | — |  |  | $ | 491,304 |
Ending balance: individually evaluated for impairment |  | $ | 964 |  |  | $ | — |  |  | $ | — |  |  | $ | 807 |  |  | $ | 2,745 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 4,516 |
Ending balance: collectively evaluated for impairment |  | $ | 80,077 |  |  | $ | 32,221 |  |  | $ | 56,581 |  |  | $ | 198,049 |  |  | $ | 98,808 |  |  | $ | 21,052 |  |  | $ | — |  |  | $ | — |  |  | $ | 486,788 |
Ending balance: loans acquired with deteriorated credit quality |  | $ | 547 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 547 |
Nine Months Ended September 30, 2011 |  | Consumer Real Estate |  |  | Agriculture Real Estate |  |  | Agriculture |  |  | Commercial Real Estate |  |  | Commercial |  |  | Consumer (incl. Credit Cards) |  |  | Unfunded Loan Commitment & Letters of Credit |  |  | Unallocated |  |  | Total |
ALLOWANCE FOR CREDIT LOSSES: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 258 |  |  | $ | 122 |  |  | $ | 327 |  |  | $ | 1,868 |  |  | $ | 2,354 |  |  | $ | 380 |  |  | $ | 153 |  |  | $ | 397 |  |  | $ | 5,859 |
Charge Offs |  |  | (380 | ) |  |  | — |  |  |  | (25 | ) |  |  | (210 | ) |  |  | (1,496 | ) |  |  | (267 | ) |  |  | — |  |  |  | — |  |  | $ | (2,378 | )
Recoveries |  |  | 48 |  |  |  | — |  |  |  | 65 |  |  |  | 30 |  |  |  | 11 |  |  |  | 134 |  |  |  | — |  |  |  | — |  |  | $ | 288 |
Provision |  |  | 403 |  |  |  | 31 |  |  |  | (116 | ) |  |  | 338 |  |  |  | 1,036 |  |  |  | 68 |  |  |  | — |  |  |  | (238 | ) |  | $ | 1,522 |
Other Non-interest expense related to unfunded |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3 |  |  |  | — |  |  | $ | 3 |
Ending Balance |  | $ | 329 |  |  | $ | 153 |  |  | $ | 251 |  |  | $ | 2,026 |  |  | $ | 1,905 |  |  | $ | 315 |  |  | $ | 156 |  |  | $ | 159 |  |  | $ | 5,294 |
Ending balance: individually evaluated for impairment |  | $ | 101 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 101 |
Ending balance: collectively evaluated for impairment |  | $ | 228 |  |  | $ | 153 |  |  | $ | 251 |  |  | $ | 2,026 |  |  | $ | 1,905 |  |  | $ | 315 |  |  | $ | 156 |  |  | $ | 159 |  |  | $ | 5,193 |
Ending balance: loans acquired with deteriorated credit quality |  | $ | 2 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2 |
FINANCING RECEIVABLES: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 80,607 |  |  | $ | 31,806 |  |  | $ | 54,134 |  |  | $ | 201,167 |  |  | $ | 113,889 |  |  | $ | 23,861 |  |  | $ | — |  |  | $ | — |  |  | $ | 505,464 |
Ending balance: individually evaluated for impairment |  | $ | 479 |  |  | $ | — |  |  | $ | 5,036 |  |  | $ | 1,567 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 7,082 |
Ending balance: collectively evaluated for impairment |  | $ | 80,128 |  |  | $ | 31,806 |  |  | $ | 49,098 |  |  | $ | 199,600 |  |  | $ | 113,889 |  |  | $ | 23,861 |  |  | $ | — |  |  | $ | — |  |  | $ | 498,382 |
Ending balance: loans acquired with deteriorated credit quality |  | $ | 986 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 986 |

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