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Loans and Allowance for Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2013
Loans and Allowance For Loan Losses [Abstract] |
Summary of categories of loans |
|  | Total Loans |  |  | Non-Accrual Loans |
($ in thousands) |  | Dec. 2013 |  |  | Dec. 2012 |  |  | Dec. 2013 |  |  | Dec. 2012 |
Commercial & Industrial |  | $ | 85,642 |  |  | $ | 81,767 |  |  |  | 2,316 |  |  |  | 1,246 |
Commercial RE & Construction |  |  | 205,301 |  |  |  | 201,392 |  |  |  | 532 |  |  |  | 782 |
Agricultural & Farmland |  |  | 39,210 |  |  |  | 42,276 |  |  |  | - |  |  |  | - |
Residential Real Estate |  |  | 99,620 |  |  |  | 87,859 |  |  |  | 1,651 |  |  |  | 2,631 |
Home Equity & Consumer |  |  | 47,717 |  |  |  | 50,223 |  |  |  | 345 |  |  |  | 646 |
Other |  |  | 87 |  |  |  | 148 |  |  |  | - |  |  |  | - |
Total loans |  |  | 477,577 |  |  |  | 463,665 |  |  | $ | 4,844 |  |  | $ | 5,305 |
Less |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Net deferred loan fees, premiums and discounts |  |  | (274 | ) |  |  | (276 | ) |  |  |  |  |  |  |  |
Loans, net of unearned income |  | $ | 477,303 |  |  | $ | 463,389 |  |  |  |  |  |  |  |  |
Allowance for loan losses |  | $ | (6,964 | ) |  | $ | (6,811 | ) |  |  |  |  |  |  |  |
Summary of allowance for loan losses and recorded investment in loans based on portfolio segment and impairment method |
|  | Commercial |  |  | Commercial RE |  |  | Agricultural |  |  | Residential |  |  | Home Equity |  |  |  |  |  |  |
($'s in thousands) |  | & Industrial |  |  | & Construction |  |  | & Farmland |  |  | Real Estate |  |  | & Consumer |  |  | Other |  |  | Total |
ALLOWANCE FOR LOAN AND LEASE LOSSES |
For the Twelve Months Ended December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,561 |  |  | $ | 3,034 |  |  | $ | 186 |  |  | $ | 1,088 |  |  | $ | 839 |  |  | $ | 103 |  |  | $ | 6,811 |
Charge Offs |  |  | (1 | ) |  |  | (111 | ) |  |  | - |  |  |  | (264 | ) |  |  | (426 | ) |  |  | (17 | ) |  | $ | (819 | )
Recoveries |  |  | 18 |  |  |  | 17 |  |  |  | 4 |  |  |  | 21 |  |  |  | 11 |  |  |  | 1 |  |  |  | 72 |
Provision |  |  | 597 |  |  |  | (232 | ) |  |  | (31 | ) |  |  | 222 |  |  |  | 360 |  |  |  | (16 | ) |  |  | 900 |
Ending Balance |  | $ | 2,175 |  |  | $ | 2,708 |  |  | $ | 159 |  |  | $ | 1,067 |  |  | $ | 784 |  |  | $ | 71 |  |  | $ | 6,964 |
Loans Receivable at December 31, 2013
|  | Commercial |  |  | Commercial RE |  |  | Agricultural |  |  | Residential |  |  | Home Equity |  |  |  |  |  |  |  |  |
($'s in thousands) |  | & Industrial |  |  | & Construction |  |  | & Farmland |  |  | Real Estate |  |  | & Consumer |  |  | Other |  |  | Total |
Allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
impairment |  | $ | 1,079 |  |  | $ | 56 |  |  | $ | - |  |  | $ | 192 |  |  | $ | 168 |  |  |  |  |  |  | $ | 1,495 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
impairment |  | $ | 1,096 |  |  | $ | 2,652 |  |  | $ | 159 |  |  | $ | 875 |  |  | $ | 616 |  |  | $ | 71 |  |  | $ | 5,469 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
impairment |  | $ | 2,116 |  |  | $ | 649 |  |  | $ | - |  |  | $ | 1,985 |  |  | $ | 590 |  |  |  |  |  |  | $ | 5,340 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
impairment |  | $ | 83,526 |  |  | $ | 204,652 |  |  | $ | 39,210 |  |  | $ | 97,635 |  |  | $ | 47,127 |  |  | $ | 87 |  |  | $ | 472,237 |
|  | Commercial |  |  | Commercial RE |  |  | Agricultural |  |  | Residential |  |  | Home Equity |  |  |  |  |  |  |
($'s in thousands) |  | & Industrial |  |  | & Construction |  |  | & Farmland |  |  | Real Estate |  |  | & Consumer |  |  | Other |  |  | Total |
ALLOWANCE FOR LOAN AND LEASE LOSSES |
For the Twelve Months Ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,914 |  |  | $ | 2,880 |  |  | $ | 51 |  |  | $ | 956 |  |  | $ | 599 |  |  | $ | 129 |  |  | $ | 6,529 |
Charge Offs |  |  | (390 | ) |  |  | (287 | ) |  |  | (10 | ) |  |  | (129 | ) |  |  | (484 | ) |  |  | (28 | ) |  |  | (1,328 | )
Recoveries |  |  | 41 |  |  |  | 50 |  |  |  | 7 |  |  |  | 86 |  |  |  | 69 |  |  |  | 7 |  |  |  | 260 |
Provision |  |  | (4 | ) |  |  | 391 |  |  |  | 138 |  |  |  | 175 |  |  |  | 655 |  |  | $ | (6 | ) |  |  | 1,350 |
Ending Balance |  | $ | 1,561 |  |  | $ | 3,034 |  |  | $ | 186 |  |  | $ | 1,088 |  |  | $ | 839 |  |  | $ | 102 |  |  | $ | 6,811 |
Loans Receivable at December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 |  |  | $ | 102 |  |  | $ | 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 |
Summary of credit risk profile of the Company's loan portfolio based on rating category |
December 31, 2013 |  | Commercial |  |  | Commercial RE |  |  | Agricultural |  |  | Residential |  |  | Home Equity |  |  |  |  |  |  |
Loan Grade |  | & Industrial |  |  | & Construction |  |  | & Farmland |  |  | Real Estate |  |  | & Consumer |  |  | Other |  |  | Total |
($ in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-2 |  | $ | 1,706 |  |  | $ | 81 |  |  | $ | 76 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 1,863 |
3 |  |  | 22,319 |  |  |  | 44,095 |  |  |  | 6,543 |  |  |  | 90,606 |  |  |  | 43,250 |  |  |  | 9 |  |  |  | 206,822 |
4 |  |  | 56,110 |  |  |  | 146,861 |  |  |  | 32,591 |  |  |  | 5,700 |  |  |  | 3,782 |  |  |  | 78 |  |  |  | 245,122 |
Total Pass |  |  | 80,135 |  |  |  | 191,037 |  |  |  | 39,210 |  |  |  | 96,306 |  |  |  | 47,032 |  |  |  | 87 |  |  |  | 453,807 |
Special Mention |  |  | 3,159 |  |  |  | 8,917 |  |  |  | - |  |  |  | 1,373 |  |  |  | 86 |  |  |  | - |  |  |  | 13,535 |
Substandard |  |  | 32 |  |  |  | 4,815 |  |  |  | - |  |  |  | 290 |  |  |  | 84 |  |  |  | - |  |  |  | 5,221 |
Doubtful |  |  | 2,316 |  |  |  | 532 |  |  |  | - |  |  |  | 1,651 |  |  |  | 515 |  |  |  | - |  |  |  | 5,014 |
Loss |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total Loans |  | $ | 85,642 |  |  | $ | 205,301 |  |  | $ | 39,210 |  |  | $ | 99,620 |  |  | $ | 47,717 |  |  | $ | 87 |  |  | $ | 477,577 |
December 31, 2012 |  | Commercial |  |  | Commercial RE |  |  | Agricultural |  |  | Residential |  |  | Home Equity |  |  |  |  |  |  |  |  |
Loan Grade |  | & Industrial |  |  | & Construction |  |  | & Farmland |  |  | Real Estate |  |  | & 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 Loans |  | $ | 81,767 |  |  | $ | 201,392 |  |  | $ | 42,276 |  |  | $ | 87,859 |  |  | $ | 50,223 |  |  | $ | 148 |  |  | $ | 463,665 |
Summary of loan portfolio aging analysis |
|  | 30-59 Days |  |  | 60-89 Days |  |  | Greater Than |  |  | Total Past |  |  |  |  |  | Total Loans |
December 31, 2013 |  | Past Due |  |  | Past Due |  |  | 90 Days |  |  | Due |  |  | Current |  |  | Receivable |
($ in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | - |  |  | $ | - |  |  | $ | 1,890 |  |  | $ | 1,890 |  |  | $ | 83,752 |  |  | $ | 85,642 |
Commercial RE & Construction |  |  | 424 |  |  |  | 364 |  |  |  | 168 |  |  |  | 956 |  |  |  | 204,345 |  |  |  | 205,301 |
Agricultural & Farmland |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 39,210 |  |  |  | 39,210 |
Residential Real Estate |  |  | - |  |  |  | 14 |  |  |  | 453 |  |  |  | 467 |  |  |  | 99,153 |  |  |  | 99,620 |
Home Equity & Consumer |  |  | 22 |  |  |  | 34 |  |  |  | 98 |  |  |  | 154 |  |  |  | 47,563 |  |  |  | 47,717 |
Other |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 87 |  |  |  | 87 |
Total Loans |  | $ | 446 |  |  | $ | 412 |  |  | $ | 2,609 |  |  | $ | 3,467 |  |  | $ | 474,110 |  |  | $ | 477,577 |
|  | 30-59 Days |  |  | 60-89 Days |  |  | Greater Than |  |  | Total Past |  |  |  |  |  |  | Total Loans |
December 31, 2012 |  | Past Due |  |  | Past Due |  |  | 90 Days |  |  | Due |  |  | Current |  |  | Receivable |
($ in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 26 |  |  | $ | 2 |  |  | $ | 497 |  |  | $ | 525 |  |  | $ | 81,242 |  |  | $ | 81,767 |
Commercial RE & Construction |  |  | 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 |
Total Loans |  | $ | 2,058 |  |  | $ | 537 |  |  | $ | 2,508 |  |  | $ | 5,103 |  |  | $ | 458,562 |  |  | $ | 463,665 |
Summary of Impaired loan activity |
Twelve Months Ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
($'s in thousands) |  | Recorded |  |  | Unpaid Principal |  |  | Related |  |  | Average Recorded |  |  | Interest Income |
|  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Recognized |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 316 |  |  | $ | 316 |  |  | $ | - |  |  | $ | 335 |  |  | $ | 13 |
Commercial RE & Construction |  |  | 389 |  |  |  | 442 |  |  |  | - |  |  |  | 579 |  |  |  | 16 |
Agricultural & Farmland |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Residential Real Estate |  |  | 1,131 |  |  |  | 1,131 |  |  |  | - |  |  |  | 1,315 |  |  |  | 65 |
Home Equity & Consumer |  |  | 252 |  |  |  | 252 |  |  |  | - |  |  |  | 268 |  |  |  | 14 |
All Impaired Loans < $100,000 |  |  | 1,242 |  |  |  | 1,242 |  |  |  | - |  |  |  | 1,242 |  |  |  | - |
With a specific allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  |  | 1,800 |  |  |  | 1,800 |  |  |  | 1,079 |  |  |  | 1,780 |  |  |  | 44 |
Commercial RE & Construction |  |  | 260 |  |  |  | 260 |  |  |  | 56 |  |  |  | 318 |  |  |  | 14 |
Agricultural & Farmland |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Residential Real Estate |  |  | 854 |  |  |  | 854 |  |  |  | 192 |  |  |  | 921 |  |  |  | 41 |
Home Equity & Consumer |  |  | 338 |  |  |  | 338 |  |  |  | 168 |  |  |  | 371 |  |  |  | 25 |
All Impaired Loans < $100,000 |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 2,116 |  |  | $ | 2,116 |  |  | $ | 1,079 |  |  | $ | 2,115 |  |  | $ | 57 |
Commercial RE & Construction |  | $ | 649 |  |  | $ | 702 |  |  | $ | 56 |  |  | $ | 897 |  |  | $ | 30 |
Agricultural & Farmland |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Residential Real Estate |  | $ | 1,985 |  |  | $ | 1,985 |  |  | $ | 192 |  |  | $ | 2,236 |  |  | $ | 106 |
Home Equity & Consumer |  | $ | 590 |  |  | $ | 590 |  |  | $ | 168 |  |  | $ | 639 |  |  | $ | 39 |
All Impaired Loans < $100,000 |  | $ | 1,242 |  |  | $ | 1,242 |  |  | $ | - |  |  | $ | 1,242 |  |  | $ | - |
Twelve Months Ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
($'s in thousands) |  | Recorded |  |  | Unpaid Principal |  |  | Related |  |  | Average Recorded |  |  | Interest Income |
|  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | 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 |  |  | $ | - |
Summary of present activity of TDR's relating to loans, Pre - Modification and Post - Modification |
|  | December 31, 2013 |
($ in thousands) |  | Number of Loans |  |  | Pre-Modification Recorded Balance |  |  | Post Modification Recorded Balance |
Residential Real Estate |  |  | 1 |  |  | $ | 12 |  |  | $ | 12 |
Home Equity & Consumer |  |  | 1 |  |  |  | 10 |  |  |  | 10 |
Total Modifications |  |  | 2 |  |  | $ | 22 |  |  | $ | 22 |
|  | December 31, 2012 |
($ in thousands) |  | Number of Loans |  |  | Pre-Modification Recorded Balance |  |  | Post Modification Recorded Balance |
Residential Real Estate |  |  | 14 |  |  | $ | 660 |  |  | $ | 660 |
Home Equity & Consumer |  |  | 2 |  |  |  | 21 |  |  |  | 21 |
Commercial Real Estate |  |  | 1 |  |  |  | 198 |  |  |  | 198 |
Total Modifications |  |  | 17 |  |  | $ | 879 |  |  | $ | 879 |
Summary of present activity of TDR's relating to interest, term, combination and Total Modification |
($ in thousands) |  | Interest |  |  |  |  |  |  |  |  | Total |
|  | Only |  |  | Term |  |  | Combination |  |  | Modification |
Residential Real Estate |  | $ | - |  |  | $ | 12 |  |  | $ | - |  |  | $ | 12 |
Home Equity & Consumer |  |  | - |  |  |  | 10 |  |  |  | - |  |  |  | 10 |
Total Modifications |  | $ | - |  |  | $ | 22 |  |  | $ | - |  |  | $ | 22 |
|  | Interest |  |  |  |  |  |  |  |  | Total |
($ in thousands) |  | Only |  |  | Term |  |  | Combination |  |  | Modification |
Residential Real Estate |  | $ | - |  |  | $ | 419 |  |  | $ | 241 |  |  | $ | 660 |
Home Equity & Consumer |  |  | - |  |  |  | 21 |  |  |  | - |  |  |  | 21 |
Commercial Real Estate |  |  | - |  |  |  | 198 |  |  |  | - |  |  |  | 198 |
Total Modifications |  | $ | - |  |  | $ | 638 |  |  | $ | 241 |  |  | $ | 879 |
Summary of troubled debt restructurings modified subsequently defaulted |
Troubled Debt Restructurings Modified in the Past 12 Months that have Subsequently Defaulted |
|  | Number of |  |  | Recorded |
($ in thousands) |  | Contracts |  |  | Balance |
Residential Real Estate |  |  | 4 |  |  | $ | 63 |
Home Equity & Consumer |  |  | - |  |  |  | - |
|  |  | 4 |  |  | $ | 63 |

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