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Loans
 12 Months Ended
Dec. 31, 2012
Loans [Abstract]  
Loans
4. Loans

Loans as of December 31 consisted of the following:
 
(in thousands)
 
2012
 
 
2011
 
        Commercial Real Estate
 
$
353,109
 
 
$
307,670
 
        Agricultural Real Estate
 
 
311,992
 
 
 
280,139
 
        Real Estate Construction
 
 
32,680
 
 
 
29,607
 
        Residential 1st Mortgages
 
 
140,257
 
 
 
107,421
 
        Home Equity Lines and Loans
 
 
42,042
 
 
 
50,956
 
        Agricultural
 
 
221,032
 
 
 
217,227
 
        Commercial
 
 
143,293
 
 
 
165,089
 
        Consumer & Other
 
 
5,058
 
 
 
6,935
 
Total Gross Loans
 
 
1,249,463
 
 
 
1,165,044
 
        Less: Unearned Income
 
 
2,561
 
 
 
1,966
 
Subtotal
 
 
1,246,902
 
 
 
1,163,078
 
        Less: Allowance for Loan Losses
 
 
34,217
 
 
 
33,017
 
Loans, Net
 
$
1,212,685
 
 
$
1,130,061
 
 
At December 31, 2012, the portion of loans that were approved for pledging as collateral on borrowing lines with the Federal Home Loan Bank ("FHLB") and the Federal Reserve Bank ("FRB") were $403.2 million and $401.3 million, respectively. The borrowing capacity on these loans was $300.5 million from FHLB and $298.1 million from the FRB.