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Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2012

Loans and Allowance For Loan Losses [Abstract]

Summary of categories of loans

($ in thousands)		Total Loans								Non-Accrual Loans								Non-Accrual Percentage
		2012				2011				2012				2011				2012				2011
Commercial		$	81,767			$	78,112				1,246				2,393				1.52	%			3.06	%
Commercial real estate			201,392				187,829				782				1,456				0.39	%			0.78	%
Agricultural			42,276				38,361				-				-				0.00	%			0.00	%
Residential real estate			87,859				87,656				2,631				2,471				2.99	%			2.82	%
Consumer			50,223				50,681				646				580				1.29	%			1.14	%
Leasing			148				216				-				-				0.00	%			0.00	%
Total loans			463,665				442,855			$	5,305			$	6,900				1.14	%			1.56	%
Less
Net deferred loan fees, premiums and discounts			(276	)			(301	)
Loans, net of unearned income		$	463,389			$	442,554
Allowance for loan losses		$	(6,811	)		$	(6,529	)

Summary of allowance for loan losses and recorded investment in loans based on portfolio segment and impairment method

For the Year Ended December 31, 2012		Commercial				Commercial  RE &				Agricultural				Residential				Home Equity
($'s in thousands)		& Industrial				Construction				& Farmland				Real Estate				& Consumer				Other				Unallocated				Total
Allowance for load losses:
Beginning balance		$	1,914			$	2,880			$	51			$	956			$	599			$	139			$	(10	)		$	6,529
Charge Offs			(390	)			(287	)			(10	)			(129	)			(484	)			(28	)			-				(1,328	)
Recoveries			41				50				7				86				69				6				1				260
Provision			(4	)			391				138				175				655			$	(14	)			8				1,350
Ending Balance		$	1,561			$	3,034			$	186			$	1,088			$	839			$	103			$	(1	)		$	6,811
Ending balance:
individually evaluated for impairment		$	485			$	55			$	-			$	386			$	195											$	1,121
Ending balance:
collectively evaluated for impairment		$	1,076			$	2,979			$	186			$	702			$	644			$	103			$	(1	)		$	5,690
Loans:
Ending balance:
individually evaluated for impairment		$	1,232			$	725			$	-			$	2,683			$	682											$	5,322
Ending balance:
collectively evaluated for impairment		$	80,535			$	200,667			$	42,276			$	85,176			$	49,541			$	148			$	-			$	458,343

For the Year Ended December 31, 2011		Commercial				Commercial RE &				Agricultural				Residential				Home Equity
($'s in thousands)		& Industrial				Construction				& Farmland				Real Estate				& Consumer				Other				Unallocated				Total
Allowance for load losses:
Beginning balance		$	1,723			$	3,774			$	16			$	643			$	401			$	128			$	30			$	6,715
Charge Offs			(642	)			(2,057	)			-				(248	)			(460	)			-				-				(3,407	)
Recoveries			465				32				3				700				21				6				-				1,227
Provision			368				1,131				32				(139	)			637			$	5				(40	)			1,994
Ending Balance		$	1,914			$	2,880			$	51			$	956			$	599			$	139			$	(10	)		$	6,529
Ending balance:
individually evaluated for impairment		$	1,017			$	19			$	5			$	280			$	212											$	1,533
Ending balance:
collectively evaluated for  impairment		$	897			$	2,861			$	46			$	676			$	387			$	139			$	(10	)		$	4,996
Loans:
Ending balance:
individually evaluated for impairment		$	3,283			$	2,473			$	5			$	2,074			$	543											$	8,378
Ending balance:
collectively evaluated for impairment		$	74,829			$	185,356			$	38,356			$	85,582			$	50,138			$	216			$	-			$	434,477

Summary of credit risk profile of the Company's loan portfolio based on rating category

Dec. 31, 2012 Loan Grade				Commercial & Industrial				Comm. RE & Construction				Agricultural & Farmland				Residential Real Estate				Home Equity & Consumer				Other				Total
($ in thousands)
	1-2			$	1,108			$	101			$	109			$	-			$	-			$	-			$	1,318
	3				23,028				55,175				7,938				77,221				45,063				17				208,442
	4				54,871				129,846				34,195				6,285				4,223				131				229,551
Total Pass					79,007				185,122				42,242				83,506				49,286				148				439,311
Special Mention					88				12,370				-				1,186				190				-				13,834
Substandard					1,429				3,024				34				699				144				-				5,330
Doubtful					1,243				876				-				2,468				603				-				5,190
Loss					-				-				-				-				-				-				-
Total				$	81,767			$	201,392			$	42,276			$	87,859			$	50,223			$	148			$	463,665

Dec. 31, 2011 Loan Grade				Commercial & Industrial				Comm. RE & Construction				Agricultural & Farmland				Residential Real Estate				Home Equity & Consumer				Other				Total
($ in thousands)
	1-2			$	909			$	188			$	152			$	1,548			$	127			$	140			$	3,064
	3				24,375				62,506				13,203				78,122				43,814				-				222,020
	4				48,004				110,633				24,950				1,576				6,095				76				191,334
Total Pass					73,288				173,327				38,305				81,246				50,036				216				416,418
Special Mention					610				9,703				5				1,666				72				-				12,056
Substandard					2,037				3,358				51				1,834				92				-				7,372
Doubtful					2,177				1,441				-				2,910				481				-				7,009
Loss					-				-				-				-				-				-				-
Total				$	78,112			$	187,829			$	38,361			$	87,656			$	50,681			$	216			$	442,855

Summary of loan portfolio aging analysis

December 31, 2012		30-59 Days				60-89 Days				Greater Than				Total Past								Total Loans
($ in thousands)		Past Due				Past Due				90 Days				Due				Current				Receivable
Commercial & Industrial		$	26			$	2			$	497			$	525			$	81,242			$	81,767
Commercial RE			1,623				320				264				2,207				199,185				201,392
Agricultural & Farmland			-				-				-				-				42,276				42,276
Residential Real Estate			90				139				1,467				1,696				86,163				87,859
Home Equity & Consumer			319				76				280				675				49,548				50,223
Other			-				-				-				-				148				148
Loans			2,058				537				2,508				5,103				458,562				463,665
Loans held for Sale			-				-				-				-				6,147				6,147
Total		$	2,058			$	537			$	2,508			$	5,103			$	464,709			$	469,812

December 31, 2011		30-59 Days				60-89 Days				Greater Than				Total Past								Total Loans
($ in thousands)		Past Due				Past Due				90 Days				Due				Current				Receivable
Commercial & Industrial		$	58			$	-			$	2,334			$	2,392			$	75,720			$	78,112
Commercial RE			67				-				1,656				1,723				186,106				187,829
Agricultural & Farmland			-				-				-				-				38,361				38,361
Residential Real Estate			412				784				569				1,765				85,891				87,656
Home Equity & Consumer			465				194				505				1,164				49,517				50,681
Other			-				-				-				-				216				216
Loans			1,002				978				5,064				7,044				435,811				442,855
Loansheld for Sale			-				-				-				-				5,238				5,238
Total		$	1,002			$	978			$	5,064			$	7,044			$	441,049			$	448,093

Summary of Impaired loan activity

Twelve Months Ended December 31, 2012
($'s in thousands)		Recorded Investment				Unpaid Principal  Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized
With no related allowance recorded:
Commercial & Industrial		$	394			$	2,280			$	-			$	2,419			$	-
Commercial RE & Construction			527				1,529				-				1,610				15
Agricultural  & Farmland			-				-				-				-				-
Residential Real Estate			1,122				1,204				-				1,284				57
Home Equity & Consumer			228				260				-				272				10
All Impaired Loans < $100,000			1,336				1,336				-				1,336				-
With a specific allowance recorded:
Commercial & Industrial			838				944				485				949				6
Commercial RE & Construction			198				198				55				198				-
Agricultural & Farmland			-				-				-				-				-
Residential Real Estate			1,561				1,561				386				1,530				62
Home Equity & Consumer			454				454				195				471				20
All Impaired Loans < $100,000			-				-				-				-				-
Totals:
Commercial & Industrial		$	1,232			$	3,224			$	485			$	3,368			$	6
Commercial RE & Construction		$	725			$	1,727			$	55			$	1,808			$	15
Agricultural & Farmland		$	-			$	-			$	-			$	-			$	-
Residential Real Estate		$	2,683			$	2,765			$	386			$	2,814			$	119
Home Equity & Consumer		$	682			$	714			$	195			$	743			$	30
All Impaired Loans < $100,000		$	1,336			$	1,336			$	-			$	1,336			$	-

Twelve Months Ended December 31, 2011
($'s in thousands)		Recorded Investment				Unpaid Principal  Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized
With no related allowance recorded:
Commercial & Industrial		$	1,206			$	1,856			$	-			$	1,737			$	89
Commercial RE & Construction			1,061				2,149				-				2,264				4
Agricultural  & Farmland			-				-				-				-				-
Residential Real Estate			581				581				-				678				42
Home Equity & Consumer			189				217				-				191				2
All Impaired Loans < $100,000			1,065				1,065				-				1,065				-
With a specific allowance recorded:
Commercial & Industrial			2,077				3,787				1,017				2,528				-
Commercial RE & Construction			1,412				2,827				19				2,029				21
Agricultural & Farmland			5				5				5				5				1
Residential Real Estate			1,493				1,596				280				1,655				66
Home Equity & Consumer			354				354				212				365				8
All Impaired Loans < $100,000			-				-				-				-				-
Totals:
Commercial & Industrial		$	3,283			$	5,643			$	1,017			$	4,265			$	89
Commercial RE & Construction		$	2,473			$	4,976			$	19			$	4,293			$	25
Agricultural & Farmland		$	5			$	5			$	5			$	5			$	1
Residential Real Estate		$	2,074			$	2,177			$	280			$	2,333			$	108
Home Equity & Consumer		$	543			$	571			$	212			$	556			$	10
All Impaired Loans < $100,000		$	1,065			$	1,065			$	-			$	1,065			$	-

Summary of presents activity of TDR's

		2012
		Number of				Pre-Modification Recorded				Post-Modification Recorded
($ in thousands)		Contracts				Investment				Investment
Residential Real Estate			14			$	660			$	660
Consumer			2				21				21
Commercial Real Estate			1				198				198
Total			17			$	879			$	879

		2011
		Number of Contracts				Pre-Modification Recorded Investment				Post-Modification Recorded Investment
Residential Real Estate			14			$	1,011			$	1,011

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- Definition

Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

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