XML 53 R30.htm IDEA: XBRL DOCUMENT
v2.4.0.6

Loans (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2012
Loans [Abstract] |
Loans: |
|  | (In Thousands) |
Loans: |  | 2012 |  |  | 2011 |
Commercial real estate |  | $ | 199,999 |  |  | $ | 198,266 |
Agricultural real estate |  |  | 40,143 |  |  |  | 31,993 |
Consumer real estate |  |  | 80,287 |  |  |  | 84,477 |
Commercial and industrial |  |  | 101,624 |  |  |  | 114,497 |
Agricultural |  |  | 57,770 |  |  |  | 52,598 |
Consumer |  |  | 20,413 |  |  |  | 23,375 |
Industrial Development Bonds |  |  | 1,299 |  |  |  | 1,196 |
|  | $ | 501,535 |  |  | $ | 506,402 |
Less: Net deferred loan fees and costs |  |  | (133 | ) |  |  | (187 | )
|  |  | 501,402 |  |  |  | 506,215 |
Less: Allowance for loan losses |  |  | (5,224 | ) |  |  | (5,091 | )
Loans—Net |  | $ | 496,178 |  |  | $ | 501,124 |
Maturity schedule by major category of loans |
|  | (In Thousands) |  |  |  |
|  |  |  |  | After One |  |  |  |  |  |  |
|  | Within |  |  | Year Within |  |  | After |  |  |  |
|  | One Year |  |  | Five Years |  |  | Five Years |  |  | Total |
Commercial Real Estate |  | $ | 25,448 |  |  | $ | 103,857 |  |  | $ | 70,694 |  |  | $ | 199,999 |
Agricultural Real Estate |  |  | 3,337 |  |  |  | 10,136 |  |  |  | 26,670 |  |  |  | 40,143 |
Consumer Real Estate |  |  | 9,535 |  |  |  | 14,424 |  |  |  | 56,328 |  |  |  | 80,287 |
Commercial and industrial |  |  | 58,744 |  |  |  | 39,716 |  |  |  | 3,164 |  |  |  | 101,624 |
Agricultural |  |  | 37,153 |  |  |  | 18,116 |  |  |  | 2,501 |  |  |  | 57,770 |
Consumer |  |  | 5,345 |  |  |  | 13,238 |  |  |  | 1,830 |  |  |  | 20,413 |
Industrial Development Bonds |  |  | 417 |  |  |  | 490 |  |  |  | 392 |  |  |  | 1,299 |
|  | $ | 139,979 |  |  | $ | 199,977 |  |  | $ | 161,579 |  |  | $ | 501,535 |
Distribution of fixed rate loans and variable rate loans by major loan category |
|  | (In Thousands) |
|  | Fixed |  |  | Variable |
|  | Rate |  |  | Rate |
Commercial Real Estate |  | $ | 118,367 |  |  | $ | 81,632 |
Agricultural Real Estate |  |  | 28,861 |  |  |  | 11,282 |
Consumer Real Estate |  |  | 65,916 |  |  |  | 14,371 |
Commercial and industrial loans |  |  | 79,493 |  |  |  | 22,131 |
Agricultural |  |  | 53,429 |  |  |  | 4,341 |
Consumer, Master Card and Overdrafts |  |  | 15,941 |  |  |  | 4,472 |
Industrial Development Bonds |  |  | 1,299 |  |  |  | — |
Contractual aging of the recorded investment in past due loans by portfolio segment of loans |
|  | (In Thousands) |
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Greater Than 90 Days |  |  | Total Past Due |  |  | Current |  |  | Total Financing Receivables |  |  | Recorded Investment > 90 Days and Accruing |
2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 575 |  |  | $ | — |  |  | $ | 648 |  |  | $ | 1,223 |  |  | $ | 79,064 |  |  | $ | 80,287 |  |  | $ | — |
Ag RE |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 40,143 |  |  |  | 40,143 |  |  |  | — |
Ag |  |  | 11 |  |  |  | — |  |  |  | — |  |  |  | 11 |  |  |  | 57,759 |  |  |  | 57,770 |  |  |  | — |
Commercial Real Estate |  |  | — |  |  |  | — |  |  |  | 877 |  |  |  | 877 |  |  |  | 199,122 |  |  |  | 199,999 |  |  |  | — |
Commercial and Industrial |  |  | 78 |  |  |  | — |  |  |  | 2,567 |  |  |  | 2,645 |  |  |  | 100,278 |  |  |  | 102,923 |  |  |  | — |
Consumer |  |  | 51 |  |  |  | 1 |  |  |  | — |  |  |  | 52 |  |  |  | 20,228 |  |  |  | 20,280 |  |  |  | 1 |
Total |  | $ | 715 |  |  | $ | 1 |  |  | $ | 4,092 |  |  | $ | 4,808 |  |  | $ | 496,594 |  |  | $ | 501,402 |  |  | $ | 1 |
2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 799 |  |  | $ | 248 |  |  | $ | 441 |  |  | $ | 1,488 |  |  | $ | 82,989 |  |  | $ | 84,477 |  |  | $ | — |
Ag RE |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 31,993 |  |  |  | 31,993 |  |  |  | — |
Ag |  |  | 7 |  |  |  | — |  |  |  | — |  |  |  | 7 |  |  |  | 52,591 |  |  |  | 52,598 |  |  |  | — |
Commercial Real Estate |  |  | — |  |  |  | 611 |  |  |  | 927 |  |  |  | 1,538 |  |  |  | 196,728 |  |  |  | 198,266 |  |  |  | — |
Commercial and Industrial |  |  | 77 |  |  |  | — |  |  |  | 421 |  |  |  | 498 |  |  |  | 115,195 |  |  |  | 115,693 |  |  |  | — |
Consumer |  |  | 24 |  |  |  | — |  |  |  | — |  |  |  | 24 |  |  |  | 23,164 |  |  |  | 23,188 |  |  |  | — |
Total |  | $ | 907 |  |  | $ | 859 |  |  | $ | 1,789 |  |  | $ | 3,555 |  |  | $ | 502,660 |  |  | $ | 506,215 |  |  | $ | — |
Recorded investment in nonaccrual loans by portfolio segment of loans |
|  | (In Thousands) |
|  | 2012 |  |  | 2011 |
Consumer real estate |  | $ | 964 |  |  | $ | 700 |
Agricultural real estate |  |  | — |  |  |  | — |
Agriculture |  |  | — |  |  |  | 7 |
Commercial real estate |  |  | 877 |  |  |  | 1,003 |
Commercial |  |  | 2,987 |  |  |  | 421 |
Consumer |  |  | — |  |  |  | — |
Total |  | $ | 4,828 |  |  | $ | 2,131 |
Risk category of loans by portfolio segment |
|  | (In Thousands) |
|  | Agriculture Real Estate |  |  | Agriculture |  |  | Commercial Real Estate |  |  | Commercial |  |  | Industrial Development Bonds |
|  | 2012 |  |  | 2011 |  |  | 2012 |  |  | 2011 |  |  | 2012 |  |  | 2011 |  |  | 2012 |  |  | 2011 |  |  | 2012 |  |  | 2011 |
1-2 |  | $ | 2,719 |  |  | $ | 1,058 |  |  | $ | 5,022 |  |  | $ | 1,500 |  |  | $ | 4,046 |  |  | $ | 3,545 |  |  | $ | 750 |  |  | $ | 710 |  |  | $ | 97 |  |  | $ | 188 |
3 |  |  | 15,111 |  |  |  | 12,613 |  |  |  | 23,525 |  |  |  | 25,019 |  |  |  | 42,467 |  |  |  | 23,283 |  |  |  | 21,750 |  |  |  | 22,506 |  |  |  | 859 |  |  |  | 622 |
4 |  |  | 21,481 |  |  |  | 17,256 |  |  |  | 29,188 |  |  |  | 26,008 |  |  |  | 137,537 |  |  |  | 159,959 |  |  |  | 71,228 |  |  |  | 82,745 |  |  |  | 343 |  |  |  | 386 |
5 |  |  | 794 |  |  |  | 383 |  |  |  | 35 |  |  |  | 57 |  |  |  | 8,984 |  |  |  | 6,098 |  |  |  | 3,385 |  |  |  | 3,897 |  |  |  | — |  |  |  | — |
6 |  |  | 38 |  |  |  | 683 |  |  |  | — |  |  |  | 7 |  |  |  | 6,295 |  |  |  | 4,677 |  |  |  | 2,202 |  |  |  | 4,219 |  |  |  | — |  |  |  | — |
7 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 7 |  |  |  | 670 |  |  |  | 704 |  |  |  | 2,309 |  |  |  | 420 |  |  |  | — |  |  |  | — |
8 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 40,143 |  |  | $ | 31,993 |  |  | $ | 57,770 |  |  | $ | 52,598 |  |  | $ | 199,999 |  |  | $ | 198,266 |  |  | $ | 101,624 |  |  | $ | 114,497 |  |  | $ | 1,299 |  |  | $ | 1,196 |
Recorded investment in those classes based on payment activity and assigned risk grading |
|  | (In Thousands) |
|  | Consumer Real Estate |
|  | 2012 |  |  | 2011 |
Grade |  |  |  |  |  |  |  |
Pass |  | $ | 79,766 |  |  | $ | 83,954 |
Special mention (5) |  |  | — |  |  |  | — |
Substandard (6) |  |  | 110 |  |  |  | 240 |
Doubtful (7) |  |  | 411 |  |  |  | 283 |
Total |  | $ | 80,287 |  |  | $ | 84,477 |
|  | (In Thousands) |
|  | Consumer—Credit Card |  |  | Consumer—Other |
|  | 2012 |  |  | 2011 |  |  | 2012 |  |  | 2011 |
Performing |  | $ | 3,470 |  |  | $ | 3,607 |  |  | $ | 16,775 |  |  | $ | 19,531 |
Nonperforming |  |  | 3 |  |  |  | — |  |  |  | 32 |  |  |  | 50 |
Total |  | $ | 3,473 |  |  | $ | 3,607 |  |  | $ | 16,807 |  |  | $ | 19,581 |
Schedule of Impaired loans |
|  | (In Thousands) |
|  | 2012 |  |  | 2011 |
Impaired loans without a valuation allowance |  | $ | 730 |  |  | $ | 446 |
Impaired loans with a valuation allowance |  |  | 3,861 |  |  |  | 1,408 |
Total impaired loans |  | $ | 4,591 |  |  | $ | 1,854 |
Valuation allowance related to impaired loans |  | $ | 865 |  |  | $ | 175 |
Total non-accrual loans |  | $ | 4,828 |  |  | $ | 2,131 |
Total loans past-due ninety days or more and still accruing |  | $ | 1 |  |  | $ | — |
|  | (In Thousands) |
|  | 2012 |  |  | 2011 |  |  | 2010 |
Average investment in impaired loans |  | $ | 3,436 |  |  | $ | 5,466 |  |  | $ | 10,136 |
Interest income recognized on impaired loans |  | $ | 26 |  |  | $ | 1,230 |  |  | $ | 61 |
Interest income recognized on a cash basis on impaired loans |  | $ | 21 |  |  | $ | 1,175 |  |  | $ | 41 |
Impaired loans classified as troubled debt restructured |
|  |  |  | Pre- |  |  | Post- |  |  |  |  |  |  |  | Pre- |  |  | Post- |
|  | Number of |  | Modification |  |  | Modification |  |  |  |  | Number of |  |  | Modification |  |  | Modification |
|  | Contracts |  | Outstanding |  |  | Outstanding |  |  |  |  | Contracts |  |  | Outstanding |  |  | Outstanding |
December 31, 2012 |  | Modified in the |  | Recorded |  |  | Recorded |  |  | December 31, 2012 |  | Modified in the |  |  | Recorded |  |  | Recorded |
Troubled Debt Restructurings |  | Last 3 Months |  | Investment |  |  | Investment |  |  | Troubled Debt Restructurings |  | Last 12 Months |  |  | Investment |  |  | Investment |
Commercial Real Estate |  |  |  | $ | — |  |  | $ | — |  |  | Commercial Real Estate |  |  | 1 |  |  | $ | 1,937 |  |  | $ | 1,921 |
Ag Real Estate |  |  |  |  | — |  |  |  | — |  |  | Ag Real Estate |  |  |  |  |  |  | — |  |  |  | — |
Commercial and Industrial |  |  |  |  | — |  |  |  | — |  |  | Commercial and Industrial |  |  | 2 |  |  |  | 420 |  |  |  | 420 |
|  | Number of |  |  |  |  |  |  |  |  |  | Number of |  |  |  |  |  |  |
|  | Contracts |  |  |  |  |  |  |  |  |  | Contracts |  |  |  |  |  |  |
Troubled Debt Restructurings |  | Modified in the |  | Recorded |  |  |  |  |  | Troubled Debt Restructurings |  | Modified in the |  |  | Recorded |  |  |  |
That Subsequently Defaulted |  | Last 3 Months |  | Investment |  |  |  |  |  | That Subsequently Defaulted |  | Last 12 Months |  |  | Investment |  |  |  |
Commercial Real Estate |  |  |  | $ | — |  |  |  |  |  |  | Commercial Real Estate |  |  |  |  |  | $ | — |  |  |  |  |
Ag Real Estate |  |  |  |  | — |  |  |  |  |  |  | Ag Real Estate |  |  |  |  |  |  | — |  |  |  |  |
Commercial and Industrial |  |  |  |  | — |  |  |  |  |  |  | Commercial and Industrial |  |  |  |  |  |  | — |  |  |  |  |
|  |  |  | Pre- |  |  | Post- |  |  |  |  |  |  |  | Pre- |  |  | Post- |
|  | Number of |  | Modification |  |  | Modification |  |  |  |  | Number of |  |  | Modification |  |  | Modification |
|  | Contracts |  | Outstanding |  |  | Outstanding |  |  |  |  | Contracts |  |  | Outstanding |  |  | Outstanding |
December 31, 2011 |  | Modified in the |  | Recorded |  |  | Recorded |  |  | December 31, 2011 |  | Modified in the |  |  | Recorded |  |  | Recorded |
Troubled Debt Restructurings |  | Last 3 Months |  | Investment |  |  | Investment |  |  | Troubled Debt Restructurings |  | Last 12 Months |  |  | Investment |  |  | Investment |
Commercial Real Estate |  |  |  | $ | — |  |  | $ | — |  |  | Commercial Real Estate |  |  | 2 |  |  | $ | 923 |  |  | $ | 702 |
Ag Real Estate |  |  |  |  | — |  |  |  | — |  |  | Ag Real Estate |  |  |  |  |  |  | — |  |  |  | — |
Commercial and Industrial |  |  |  |  | — |  |  |  | — |  |  | Commercial and Industrial |  |  |  |  |  |  | — |  |  |  | — |
|  | Number of |  |  |  |  |  |  |  |  |  | Number of |  |  |  |  |  |  |
|  | Contracts |  |  |  |  |  |  |  |  |  | Contracts |  |  |  |  |  |  |
Troubled Debt Restructurings |  | Modified in the |  | Recorded |  |  |  |  |  | Troubled Debt Restructurings |  | Modified in the |  |  | Recorded |  |  |  |
That Subsequently Defaulted |  | Last 3 Months |  | Investment |  |  |  |  |  | That Subsequently Defaulted |  | Last 12 Months |  |  | Investment |  |  |  |
Commercial Real Estate |  |  |  | $ | — |  |  |  |  |  |  | Commercial Real Estate |  |  | 1 |  |  | $ | 207 |  |  |  |  |
Ag Real Estate |  |  |  |  | — |  |  |  |  |  |  | Ag Real Estate |  |  |  |  |  |  | — |  |  |  |  |
Commercial and Industrial |  |  |  |  | — |  |  |  |  |  |  | Commercial and Industrial |  |  |  |  |  |  | — |  |  |  |  |
Loans individually evaluated for impairment by portfolio segment of loans |
|  | (In Thousands) |
|  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | YTD Average Recorded Investment |  |  | YTD Interest Income Recognized |
2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 236 |  |  | $ | 236 |  |  | $ | — |  |  | $ | 269 |  |  | $ | 12 |
Agriculture real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  |  |  |  |  | — |
Agriculture |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | 207 |  |  |  | 384 |  |  |  | — |  |  |  | 206 |  |  |  | — |
Commercial |  |  | 287 |  |  |  | 334 |  |  |  | — |  |  |  | 212 |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
With a specific allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  | 411 |  |  |  | 512 |  |  |  | 70 |  |  |  | 454 |  |  |  | 1 |
Agriculture real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Agriculture |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | 670 |  |  |  | 916 |  |  |  | 25 |  |  |  | 657 |  |  |  | — |
Commercial |  |  | 2,780 |  |  |  | 2,780 |  |  |  | 770 |  |  |  | 1,636 |  |  |  | 13 |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | — |
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 647 |  |  | $ | 748 |  |  | $ | 70 |  |  | $ | 723 |  |  | $ | 13 |
Agriculture real estate |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Agriculture |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial real estate |  | $ | 877 |  |  | $ | 1,300 |  |  | $ | 25 |  |  | $ | 863 |  |  | $ | — |
Commercial |  | $ | 3,067 |  |  | $ | 3,114 |  |  | $ | 770 |  |  | $ | 1,848 |  |  | $ | 13 |
Consumer |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2 |  |  | $ | — |
|  | (In Thousands) |
|  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | YTD Average Recorded Investment |  |  | YTD Interest Income Recognized |
2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 239 |  |  | $ | 239 |  |  | $ | — |  |  | $ | 195 |  |  | $ | 36 |
Agriculture real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 180 |  |  |  | 15 |
Agriculture |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,683 |  |  |  | 1,156 |
Commercial real estate |  |  | 207 |  |  |  | 384 |  |  |  | — |  |  |  | 1,357 |  |  |  | 22 |
Commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 55 |  |  |  | 1 |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | — |
With a specific allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  | 283 |  |  |  | 308 |  |  |  | 54 |  |  |  | 369 |  |  |  | — |
Agriculture real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Agriculture |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | 704 |  |  |  | 854 |  |  |  | 29 |  |  |  | 188 |  |  |  | — |
Commercial |  |  | 420 |  |  |  | 420 |  |  |  | 91 |  |  |  | 438 |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 522 |  |  | $ | 547 |  |  | $ | 54 |  |  | $ | 564 |  |  | $ | 36 |
Agriculture real estate |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 180 |  |  | $ | 15 |
Agriculture |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2,683 |  |  | $ | 1,156 |
Commercial real estate |  | $ | 911 |  |  | $ | 1,238 |  |  | $ | 29 |  |  | $ | 1,545 |  |  | $ | 22 |
Commercial |  | $ | 420 |  |  | $ | 420 |  |  | $ | 91 |  |  | $ | 493 |  |  | $ | 1 |
Consumer |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | — |
Analysis of the allowance for credit losses |
|  | (In Thousands) |
|  | 2012 |  |  | 2011 |  |  | 2010 |
Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of year |  | $ | 5,091 |  |  | $ | 5,706 |  |  | $ | 6,008 |
Provision for loan loss |  |  | 738 |  |  |  | 1,715 |  |  |  | 5,325 |
Loans charged off |  |  | (891 | ) |  |  | (2,681 | ) |  |  | (6,422 | )
Recoveries |  |  | 286 |  |  |  | 351 |  |  |  | 795 |
Balance at ending of year |  | $ | 5,224 |  |  | $ | 5,091 |  |  | $ | 5,706 |
Allowance for Unfunded Loan Commitments & Letters of Credit |  | $ | 162 |  |  | $ | 130 |  |  | $ | 153 |
Total Allowance for Credit Losses |  | $ | 5,386 |  |  | $ | 5,221 |  |  | $ | 5,859 |
Contribution provided by both the recoveries and the provision along with the reduction of the allowance caused by charge-offs |
|  | (In Thousands) |
|  | Consumer Real Estate |  |  | Agriculture Real Estate |  |  | Agriculture |  |  | Commercial Real Estate |  |  | Commercial and Industrial |  |  | Consumer |  |  | Unfunded Loan Commitment & Letters of Credit |  |  | Unallocated |  |  | Total |
2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
ALLOWANCE FOR CREDIT LOSSES: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 261 |  |  | $ | 140 |  |  | $ | 266 |  |  | $ | 2,088 |  |  | $ | 1,947 |  |  | $ | 315 |  |  | $ | 130 |  |  | $ | 74 |  |  | $ | 5,221 |
Charge Offs |  |  | (246 | ) |  |  | — |  |  |  | (6 | ) |  |  | (98 | ) |  |  | (47 | ) |  |  | (494 | ) |  |  | — |  |  |  | — |  |  |  | (891 | )
Recoveries |  |  | 61 |  |  |  | — |  |  |  | 12 |  |  |  | 7 |  |  |  | 30 |  |  |  | 176 |  |  |  | — |  |  |  | — |  |  |  | 286 |
Provision |  |  | 292 |  |  |  | (27 | ) |  |  | 18 |  |  |  | (248 | ) |  |  | 253 |  |  |  | 271 |  |  |  | — |  |  |  | 179 |  |  |  | 738 |
Other Non-interest expense related to unfunded |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 32 |  |  |  | — |  |  |  | 32 |
Ending Balance |  | $ | 368 |  |  | $ | 113 |  |  | $ | 290 |  |  | $ | 1,749 |  |  | $ | 2,183 |  |  | $ | 268 |  |  | $ | 162 |  |  | $ | 253 |  |  | $ | 5,386 |
Ending balance: individually evaluated for impairment |  | $ | 70 |  |  | $ | — |  |  | $ | — |  |  | $ | 25 |  |  | $ | 770 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 865 |
Ending balance: collectively evaluated for impairment |  | $ | 298 |  |  | $ | 113 |  |  | $ | 290 |  |  | $ | 1,724 |  |  | $ | 1,413 |  |  | $ | 268 |  |  | $ | 162 |  |  | $ | 253 |  |  | $ | 4,521 |
Ending balance: loans acquired with deteriorated credit quality |  | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |
FINANCING RECEIVABLES: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 80,287 |  |  | $ | 40,143 |  |  | $ | 57,770 |  |  | $ | 199,999 |  |  | $ | 102,923 |  |  | $ | 20,280 |  |  | $ | — |  |  | $ | — |  |  | $ | 501,402 |
Ending balance: individually evaluated for impairment |  | $ | 648 |  |  | $ | — |  |  | $ | — |  |  | $ | 877 |  |  | $ | 3,066 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 4,591 |
Ending balance: collectively evaluated for impairment |  | $ | 79,639 |  |  | $ | 40,143 |  |  | $ | 57,770 |  |  | $ | 199,122 |  |  | $ | 99,857 |  |  | $ | 20,280 |  |  | $ | — |  |  | $ | — |  |  | $ | 496,811 |
Ending balance: loans acquired with deteriorated credit quality |  | $ | 548 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 548 |
|  | (In Thousands) |
|  | Consumer Real Estate |  |  | Agriculture Real Estate |  |  | Agriculture |  |  | Commercial Real Estate |  |  | Commercial and Industrial |  |  | Consumer |  |  | Unfunded Loan Commitment & Letters of Credit |  |  | Unallocated |  |  | Total |
2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
ALLOWANCE FOR CREDIT LOSSES: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 258 |  |  | $ | 122 |  |  | $ | 327 |  |  | $ | 1,868 |  |  | $ | 2,354 |  |  | $ | 380 |  |  | $ | 153 |  |  | $ | 397 |  |  | $ | 5,859 |
Charge Offs |  |  | (422 | ) |  |  | — |  |  |  | (24 | ) |  |  | (360 | ) |  |  | (1,500 | ) |  |  | (375 | ) |  |  | — |  |  |  | — |  |  |  | (2,681 | )
Recoveries |  |  | 61 |  |  |  | — |  |  |  | 67 |  |  |  | 32 |  |  |  | 19 |  |  |  | 172 |  |  |  | — |  |  |  | — |  |  |  | 351 |
Provision |  |  | 364 |  |  |  | 18 |  |  |  | (104 | ) |  |  | 548 |  |  |  | 1,074 |  |  |  | 138 |  |  |  | — |  |  |  | (323 | ) |  |  | 1,715 |
Other Non-interest expense related to unfunded |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (23 | ) |  |  | — |  |  |  | (23 | )
Ending Balance |  | $ | 261 |  |  | $ | 140 |  |  | $ | 266 |  |  | $ | 2,088 |  |  | $ | 1,947 |  |  | $ | 315 |  |  | $ | 130 |  |  | $ | 74 |  |  | $ | 5,221 |
Ending balance: individually evaluated for impairment |  | $ | 55 |  |  | $ | — |  |  | $ | — |  |  | $ | 29 |  |  | $ | 91 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 175 |
Ending balance: collectively evaluated for impairment |  | $ | 206 |  |  | $ | 140 |  |  | $ | 266 |  |  | $ | 2,059 |  |  | $ | 1,856 |  |  | $ | 315 |  |  | $ | 130 |  |  | $ | 74 |  |  | $ | 5,046 |
Ending balance: loans acquired with deteriorated credit quality |  | $ | 2 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2 |
FINANCING RECEIVABLES: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 84,477 |  |  | $ | 31,993 |  |  | $ | 52,598 |  |  | $ | 198,266 |  |  | $ | 115,693 |  |  | $ | 23,188 |  |  | $ | — |  |  | $ | — |  |  | $ | 506,215 |
Ending balance: individually evaluated for impairment |  | $ | 523 |  |  | $ | — |  |  | $ | — |  |  | $ | 911 |  |  | $ | 420 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,854 |
Ending balance: collectively evaluated for impairment |  | $ | 83,954 |  |  | $ | 31,993 |  |  | $ | 52,598 |  |  | $ | 197,355 |  |  | $ | 115,273 |  |  | $ | 23,188 |  |  | $ | — |  |  | $ | — |  |  | $ | 504,361 |
Ending balance: loans acquired with deteriorated credit quality |  | $ | 856 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 856 |

X
- Definition Tabular disclosure of activities disclosure in allowance for credit losses. + References No definition available. + Details
Name: | fmao_ActivitiesInAllowanceForCreditLossesTableTextBlock
Namespace Prefix: | fmao_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of contractual aging of the recorded investment in past due loans by class or loans. + References No definition available. + Details
Name: | fmao_ContractualAgingOfRecordedInvestmentInPastDueLoansByClassOrLoansTableTextBlock
Namespace Prefix: | fmao_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of contribution provided by both the recoveries and the provision along with the reduction of the allowance caused by charge-off. + References No definition available. + Details
Name: | fmao_ContributionProvidedByBothRecoveriesAndProvisionAlongWithReductionOfAllowanceCausedByChargeOffsTableTextBlock
Namespace Prefix: | fmao_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of fixed rate loans and variable rate loans by major loan category. + References No definition available. + Details
Name: | fmao_DistributionOfFixedRateLoansAndVariableRateLoansByMajorLoanCategoryTableTextBlock
Namespace Prefix: | fmao_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of Maturity schedule by major category of loans. + References No definition available. + Details
Name: | fmao_MaturityScheduleByMajorCategoryOfLoansTableTextBlock
Namespace Prefix: | fmao_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of impaired loans classified as troubled debt restructure. + References No definition available. + Details
Name: | fmao_RecordedInvestmentInThoseClassesBasedOnPaymentActivityAndAssignedGradingTableTextBlock
Namespace Prefix: | fmao_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of risk category of loans. + References No definition available. + Details
Name: | fmao_RiskCategoryOfLoansTableTextBlock
Namespace Prefix: | fmao_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Schedule of loans individually evaluated for impairment by portfolio segment. + References No definition available. + Details
Name: | fmao_ScheduleOfLoansIndividuallyEvaluatedForImpairmentByPortfolioSegmentTableTextBlock
Namespace Prefix: | fmao_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of impaired financing receivables. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 02 -Paragraph 3, 4 -Article 5 + Details
Name: | us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5111-111524 + Details
Name: | us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables and troubled debt restructurings. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953682-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953676-111524 + Details
Name: | us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration