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Loans

3 Months Ended

Mar. 31, 2015

Loans

The loan portfolio of the Company consists of the following (in thousands):

	March 31, 2015		December 31, 2014
Commercial	$	151,293	$	139,126
Commercial loans secured by real estate		420,077		410,329
Real estate – mortgage		259,884		258,616
Consumer		19,143		19,009
Loans, net of unearned income	$	850,397	$	827,080

Loan balances at March 31, 2015 and December 31, 2014 are net of unearned income of $582,000 and $554,000, respectively. Real estate-construction loans comprised 3.2% and 3.5% of total loans, net of unearned income at March 31, 2015 and December 31, 2014, respectively.

- Definition

The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses.

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