XML 55 R20.htm IDEA: XBRL DOCUMENT v2.4.0.6
LOANS (Tables)
 9 Months Ended
Sep. 30, 2012
LOANS [Abstract]  
Loan portfolio
The composition of the Company's loan portfolio, by loan class, is as follows:
 
($ in thousands)
 
September 30,
2012
 
 
December 31,
2011
 
 
 
 
 
 
 
Commercial
 
$
93,888
 
 
$
91,914
 
Commercial Real Estate
 
 
192,750
 
 
 
175,793
 
Agriculture
 
 
49,103
 
 
 
52,064
 
Residential Mortgage
 
 
49,652
 
 
 
51,586
 
Residential Construction
 
 
7,582
 
 
 
7,492
 
Consumer
 
 
60,872
 
 
 
64,150
 
 
 
 
 
 
 
 
 
 
 
453,847
 
 
 
442,999
 
Allowance for loan losses
 
 
(9,817
)
 
 
(10,408
)
Net deferred origination fees and costs
 
 
773
 
 
 
198
 
 
 
 
 
 
 
 
 
Loans, net
 
$
444,803
 
 
$
432,789
 
Non-accrual loans by loan class
The Company's non-accrual loans by loan class, as of September 30, 2012 and December 31, 2011 were as follows:
 
($ in thousands)
 
September 30,
2012
 
 
December 31,
2011
 
 
 
 
 
 
 
Commercial
 
$
2,916
 
 
$
2,905
 
Commercial Real Estate
 
 
3,628
 
 
 
3,071
 
Agriculture
 
 
-
 
 
 
992
 
Residential Mortgage
 
 
2,136
 
 
 
1,334
 
Residential Construction
 
 
42
 
 
 
48
 
Consumer
 
 
230
 
 
 
360
 
 
 
 
 
 
 
 
 
 
$
8,952
 
 
$
8,710
 
Aging analysis of past due loans, by loan class
An age analysis of past due loans, segregated by loan class, as of September 30, 2012 and December 31, 2011 is as follows:
 
($ in thousands)
30-59 Days Past Due
  
60-89 Days Past Due
  
90 Days or more Past Due
  
Total Past Due
  
Current
  
Total Loans
 
September 30, 2012
                  
Commercial
 $859  $859  $148  $1,866  $92,022  $93,888 
Commercial Real Estate
  1,067   —   3,481   4,548   188,202   192,750 
Agriculture
  —   —   —   —   49,103   49,103 
Residential Mortgage
  602   136   1,276   2,014   47,638   49,652 
Residential Construction
  109   —   42   151   7,431   7,582 
Consumer
  1   171   127   299   60,573   60,872 
    Total
 $2,638  $1,166  $5,074  $8,878  $444,969  $453,847 
                          
December 31, 2011
                        
Commercial
 $1,051  $166  $113  $1,330  $90,584  $91,914 
Commercial Real Estate
  —   2,746   446   3,192   172,601   175,793 
Agriculture
  —   —   991   991   51,073   52,064 
Residential Mortgage
  792   420   426   1,638   49,948   51,586 
Residential Construction
  273   —   48   321   7,171   7,492 
Consumer
  20   212   225   457   63,693   64,150 
    Total
 $2,136  $3,544  $2,249  $7,929  $435,070  $442,999 
Impaired loans by loan class
Impaired loans, segregated by loan class, as of September 30, 2012 and December 31, 2011 were as follows:
 
($ in thousands)
 
Unpaid Contractual Principal Balance
 
 
Recorded Investment with no Allowance
 
 
Recorded Investment with Allowance
 
 
Total Recorded Investment
 
 
Related Allowance
 
September 30, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
3,944
 
 
$
2,793
 
 
$
811
 
 
$
3,604
 
 
$
152
 
Commercial Real Estate
 
 
5,439
 
 
 
3,628
 
 
 
1,172
 
 
 
4,800
 
 
 
19
 
Agriculture
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
Residential Mortgage
 
 
5,912
 
 
 
2,136
 
 
 
2,769
 
 
 
4,905
 
 
 
497
 
Residential Construction
 
 
1,360
 
 
 
42
 
 
 
1,105
 
 
 
1,147
 
 
 
563
 
Consumer
 
 
998
 
 
 
230
 
 
 
634
 
 
 
864
 
 
 
86
 
    Total
 
$
17,653
 
 
$
8,829
 
 
$
6,491
 
 
$
15,320
 
 
$
1,317
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2011
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
4,694
 
 
$
2,919
 
 
$
569
 
 
$
3,488
 
 
$
101
 
Commercial Real Estate
 
 
4,856
 
 
 
3,071
 
 
 
1,198
 
 
 
4,269
 
 
 
22
 
Agriculture
 
 
3,847
 
 
 
3,598
 
 
 
—
 
 
 
3,598
 
 
 
—
 
Residential Mortgage
 
 
5,336
 
 
 
1,875
 
 
 
3,194
 
 
 
5,069
 
 
 
731
 
Residential Construction
 
 
1,147
 
 
 
48
 
 
 
1,099
 
 
 
1,147
 
 
 
668
 
Consumer
 
 
985
 
 
 
309
 
 
 
346
 
 
 
655
 
 
 
126
 
    Total
 
$
20,865
 
 
$
11,820
 
 
$
6,406
 
 
$
18,226
 
 
$
1,648
 
Interest income on impaired loans recognized using cash basis accounting
Impaired loans, segregated by loan class, as of September 30, 2012 and December 31, 2011 were as follows:
 
($ in thousands)
 
Unpaid Contractual Principal Balance
 
 
Recorded Investment with no Allowance
 
 
Recorded Investment with Allowance
 
 
Total Recorded Investment
 
 
Related Allowance
 
September 30, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
3,944
 
 
$
2,793
 
 
$
811
 
 
$
3,604
 
 
$
152
 
Commercial Real Estate
 
 
5,439
 
 
 
3,628
 
 
 
1,172
 
 
 
4,800
 
 
 
19
 
Agriculture
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
Residential Mortgage
 
 
5,912
 
 
 
2,136
 
 
 
2,769
 
 
 
4,905
 
 
 
497
 
Residential Construction
 
 
1,360
 
 
 
42
 
 
 
1,105
 
 
 
1,147
 
 
 
563
 
Consumer
 
 
998
 
 
 
230
 
 
 
634
 
 
 
864
 
 
 
86
 
    Total
 
$
17,653
 
 
$
8,829
 
 
$
6,491
 
 
$
15,320
 
 
$
1,317
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2011
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
4,694
 
 
$
2,919
 
 
$
569
 
 
$
3,488
 
 
$
101
 
Commercial Real Estate
 
 
4,856
 
 
 
3,071
 
 
 
1,198
 
 
 
4,269
 
 
 
22
 
Agriculture
 
 
3,847
 
 
 
3,598
 
 
 
—
 
 
 
3,598
 
 
 
—
 
Residential Mortgage
 
 
5,336
 
 
 
1,875
 
 
 
3,194
 
 
 
5,069
 
 
 
731
 
Residential Construction
 
 
1,147
 
 
 
48
 
 
 
1,099
 
 
 
1,147
 
 
 
668
 
Consumer
 
 
985
 
 
 
309
 
 
 
346
 
 
 
655
 
 
 
126
 
    Total
 
$
20,865
 
 
$
11,820
 
 
$
6,406
 
 
$
18,226
 
 
$
1,648
 
Loans modified as troubled debt restructurings
Loans modified as troubled debt restructurings during the three-month periods ended September 30, 2012 and September 30, 2011 were as follows:
 
($ in thousands)
 
Three Months Ended September 30, 2012
 
 
Number of Contracts
 
 
Pre-modification outstanding recorded investment
 
 
Post-modification outstanding recorded investment
 
Consumer
 
 
2
 
 
$
142
 
 
$
142
 
    Total
 
 
2
 
 
$
142
 
 
$
142
 
 
($ in thousands)
 
Three Months Ended September 30, 2011
 
 
Number of Contracts
 
 
Pre-modification outstanding recorded investment
 
 
Post-modification outstanding recorded investment
 
Commercial
 
 
2
 
 
$
397
 
 
$
397
 
Residential Construction
 
 
1
 
 
 
295
 
 
 
295
 
    Total
 
 
3
 
 
$
692
 
 
$
692
 
 
Loans modified as troubled debt restructurings during the nine-month periods ended September 30, 2012 and September 30, 2011 were as follows:
 
($ in thousands)
 
Nine months Ended September 30, 2012
 
 
Number of Contracts
 
 
Pre-modification outstanding recorded investment
 
 
Post-modification outstanding recorded investment
 
Commercial
 
 
4
 
 
$
361
 
 
$
361
 
Consumer
 
 
6
 
 
 
572
 
 
 
572
 
    Total
 
 
10
 
 
$
933
 
 
$
933
 
 
($ in thousands)
 
Nine months Ended September 30, 2011
 
 
Number of Contracts
 
 
Pre-modification outstanding recorded investment
 
 
Post-modification outstanding recorded investment
 
Commercial
 
 
3
 
 
$
445
 
 
$
445
 
Residential Mortgage
 
 
1
 
 
 
404
 
 
 
404
 
Residential Construction
 
 
2
 
 
 
221
 
 
 
162
 
Consumer
 
 
1
 
 
 
295
 
 
 
295
 
    Total
 
 
7
 
 
$
1,365
 
 
$
1,306
 
 
Loans by risk rating
The following table presents the risk ratings by loan class as of September 30, 2012 and December 31, 2011.
 
($ in thousands)
 
Pass
 
 
Special Mention
 
 
Substandard
 
 
Doubtful
 
 
Loss
 
 
Total
 
September 30, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
77,283
 
 
$
6,119
 
 
$
10,486
 
 
$
—
 
 
$
—
 
 
$
93,888
 
Commercial Real Estate
 
 
172,687
 
 
 
8,579
 
 
 
11,484
 
 
 
—
 
 
 
—
 
 
 
192,750
 
Agriculture
 
 
47,987
 
 
 
1,116
 
 
 
—
 
 
 
—
 
 
 
—
 
 
 
49,103
 
Residential Mortgage
 
 
43,357
 
 
 
1,455
 
 
 
4,840
 
 
 
—
 
 
 
—
 
 
 
49,652
 
Residential Construction
 
 
4,882
 
 
 
1,624
 
 
 
1,076
 
 
 
—
 
 
 
—
 
 
 
7,582
 
Consumer
 
 
53,736
 
 
 
3,253
 
 
 
3,809
 
 
 
74
 
 
 
—
 
 
 
60,872
 
    Total
 
$
399,932
 
 
$
22,146
 
 
$
31,695
 
 
$
74
 
 
$
—
 
 
$
453,847
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2011
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
71,229
 
 
$
8,444
 
 
$
11,804
 
 
$
437
 
 
$
—
 
 
$
91,914
 
Commercial Real Estate
 
 
148,317
 
 
 
16,492
 
 
 
10,984
 
 
 
—
 
 
 
—
 
 
 
175,793
 
Agriculture
 
 
48,330
 
 
 
—
 
 
 
3,734
 
 
 
—
 
 
 
—
 
 
 
52,064
 
Residential Mortgage
 
 
42,845
 
 
 
1,830
 
 
 
6,911
 
 
 
—
 
 
 
—
 
 
 
51,586
 
Residential Construction
 
 
5,140
 
 
 
927
 
 
 
1,425
 
 
 
—
 
 
 
—
 
 
 
7,492
 
Consumer
 
 
58,239
 
 
 
2,824
 
 
 
3,087
 
 
 
—
 
 
 
—
 
 
 
64,150
 
    Total
 
$
374,100
 
 
$
30,517
 
 
$
37,945
 
 
$
437
 
 
$
—
 
 
$
442,999
 
Allowance for loan losses

The following table details activity in the allowance for loan losses by loan class for the three-month and nine-month periods ended September 30, 2012.

Three-month period ended September 30, 2012
 
($ in thousands)
 
Commercial
 
 
Commercial Real Estate
 
 
Agriculture
 
 
Residential Mortgage
 
 
Residential Construction
 
 
Consumer
 
 
Unallocated
 
 
Total
 
Balance as of June 30, 2012
 
$
2,782
 
 
$
2,062
 
 
$
1,126
 
 
$
1,616
 
 
$
934
 
 
$
1,101
 
 
$
163
 
 
$
9,784
 
Provision for loan losses
 
 
341
 
 
 
203
 
 
 
(244
)
 
 
223
 
 
 
(102
)
 
 
100
 
 
 
304
 
 
 
825
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Charge-offs
 
 
(25
)
 
 
(4
)
 
 
—
 
 
 
(833
)
 
 
—
 
 
 
(34
)
 
 
—
 
 
 
(896
)
Recoveries
 
 
41
 
 
 
—
 
 
 
—
 
 
 
—
 
 
 
36
 
 
 
27
 
 
 
—
 
 
 
104
 
Net charge-offs
 
 
16
 
 
 
(4
)
 
 
—
 
 
 
(833
)
 
 
36
 
 
 
(7
)
 
 
—
 
 
 
(792
)
Balance as of September 30, 2012
 
 
3,139
 
 
 
2,261
 
 
 
882
 
 
 
1,006
 
 
 
868
 
 
 
1,194
 
 
 
467
 
 
 
9,817
 

Nine-month period ended September 30, 2012
 
($ in thousands)
 
Commercial
 
 
Commercial Real Estate
 
 
Agriculture
 
 
Residential Mortgage
 
 
Residential Construction
 
 
Consumer
 
 
Unallocated
 
 
Total
 
Balance as of December 31, 2011
 
$
3,598
 
 
$
1,747
 
 
$
1,934
 
 
$
1,135
 
 
$
1,198
 
 
$
796
 
 
$
—
 
 
$
10,408
 
Provision for loan losses
 
 
367
 
 
 
860
 
 
 
(940
)
 
 
735
 
 
 
(429
)
 
 
991
 
 
 
467
 
 
 
2,051
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Charge-offs
 
 
(1,104
)
 
 
(346
)
 
 
(115
)
 
 
(864
)
 
 
(161
)
 
 
(668
)
 
 
—
 
 
 
(3,258
)
Recoveries
 
 
278
 
 
 
—
 
 
 
3
 
 
 
—
 
 
 
260
 
 
 
75
 
 
 
—
 
 
 
616
 
Net charge-offs
 
 
(826
)
 
 
(346
)
 
 
(112
)
 
 
(864
)
 
 
99
 
 
 
(593
)
 
 
—
 
 
 
(2,642
)
Balance as of September 30, 2012
 
 
3,139
 
 
 
2,261
 
 
 
882
 
 
 
1,006
 
 
 
868
 
 
 
1,194
 
 
 
467
 
 
 
9,817
 

The following table details the allowance for loan losses allocated to loans individually and collectively evaluated for impairment by loan class as of September 30, 2012.

($ in thousands)
 
Commercial
 
 
Commercial Real Estate
 
 
Agriculture
 
 
Residential Mortgage
 
 
Residential Construction
 
 
Consumer
 
 
Unallocated
 
 
Total
 
Period-end amount allocated to:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans individually evaluated for impairment
 
 
152
 
 
 
19
 
 
 
—
 
 
 
497
 
 
 
563
 
 
 
86
 
 
 
—
 
 
 
1,317
 
Loans collectively evaluated for impairment
 
 
2,987
 
 
 
2,242
 
 
 
882
 
 
 
509
 
 
 
305
 
 
 
1,108
 
 
 
467
 
 
 
8,500
 
Ending Balance
 
$
3,139
 
 
$
2,261
 
 
$
882
 
 
$
1,006
 
 
$
868
 
 
$
1,194
 
 
$
1467
 
 
$
9,817
 

The following table details activity in the allowance for loan losses by loan class for the three-month and nine-month periods ended September 30, 2011.

Three-month period ended September 30, 2011
 
($ in thousands)
 
Commercial
 
 
Commercial Real Estate
 
 
Agriculture
 
 
Residential Mortgage
 
 
Residential Construction
 
 
Consumer
 
 
Unallocated
 
 
Total
 
Balance as of June  30, 2011
 
$
3,629
 
 
$
1,626
 
 
$
2,555
 
 
$
950
 
 
$
1,238
 
 
$
508
 
 
$
278
 
 
$
10,784
 
Provision for loan losses
 
 
(83
)
 
 
348
 
 
 
405
 
 
 
345
 
 
 
(12
)
 
 
362
 
 
 
(175
)
 
 
1,190
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Charge-offs
 
 
(275
)
 
 
(1
)
 
 
(290
)
 
 
(37
)
 
 
—
 
 
 
(233
)
 
 
—
 
 
 
(836
)
Recoveries
 
 
119
 
 
 
128
 
 
 
24
 
 
 
—
 
 
 
2
 
 
 
26
 
 
 
—
 
 
 
299
 
Net charge-offs
 
 
(156
)
 
 
127
 
 
 
(266
)
 
 
(37
)
 
 
2
 
 
 
(207
)
 
 
—
 
 
 
(537
)
Balance as of September 30, 2011
 
 
3,390
 
 
 
2,101
 
 
 
2,694
 
 
 
1,258
 
 
 
1,228
 
 
 
663
 
 
 
103
 
 
 
11,437
 

Nine-month period ended September 30, 2011
 
($ in thousands)
 
Commercial
 
 
Commercial Real Estate
 
 
Agriculture
 
 
Residential Mortgage
 
 
Residential Construction
 
 
Consumer
 
 
Unallocated
 
 
Total
 
Balance as of December 31, 2010
 
$
3,761
 
 
$
1,957
 
 
$
2,141
 
 
$
830
 
 
$
1,719
 
 
$
556
 
 
$
75
 
 
$
11,039
 
Provision for loan losses
 
 
399
 
 
 
1,283
 
 
 
1,023
 
 
 
645
 
 
 
(346
)
 
 
638
 
 
 
28
 
 
 
3,670
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Charge-offs
 
 
(941
)
 
 
(1,414
)
 
 
(610
)
 
 
(228
)
 
 
(198
)
 
 
(681
)
 
 
—
 
 
 
(4,042
)
Recoveries
 
 
141
 
 
 
275
 
 
 
140
 
 
 
11
 
 
 
53
 
 
 
150
 
 
 
—
 
 
 
770
 
Net charge-offs
 
 
(770
)
 
 
(1,139
)
 
 
(470
)
 
 
(217
)
 
 
(145
)
 
 
(531
)
 
 
—
 
 
 
(3,272
)
Balance as of September 30, 2011
 
 
3,390
 
 
 
2,101
 
 
 
2,694
 
 
 
1,258
 
 
 
1,228
 
 
 
663
 
 
 
103
 
 
 
11,437
 

The following table details the allowance for loan losses allocated to loans individually and collectively evaluated for impairment by loan class as of September 30, 2011.

($ in thousands)
 
Commercial
 
 
Commercial Real Estate
 
 
Agriculture
 
 
Residential Mortgage
 
 
Residential Construction
 
 
Consumer
 
 
Unallocated
 
 
Total
 
Period-end amount allocated to:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans individually evaluated for impairment
 
 
73
 
 
 
633
 
 
 
—
 
 
 
898
 
 
 
643
 
 
 
121
 
 
 
—
 
 
 
2,368
 
Loans collectively evaluated for impairment
 
 
3,317
 
 
 
1,468
 
 
 
2,694
 
 
 
360
 
 
 
585
 
 
 
542
 
 
 
103
 
 
 
9,069
 
Ending Balance
 
$
3,390
 
 
$
2,101
 
 
$
2,694
 
 
$
1,258
 
 
$
1,228
 
 
$
663
 
 
$
103
 
 
$
11,437
 

The following table details activity in the allowance for loan losses and the amount allocated to loans individually and collectively evaluated for impairment as of and for the period ended December 31, 2011.

($ in thousands)
 
Commercial
 
 
Commercial Real Estate
 
 
Agriculture
 
 
Residential Mortgage
 
 
Residential Construction
 
 
Consumer
 
 
Unallocated
 
 
Total
 
Balance as of December 31, 2010
 
$
3,761
 
 
$
1,957
 
 
$
2,141
 
 
$
830
 
 
$
1,719
 
 
$
556
 
 
$
75
 
 
$
11,039
 
Provision for loan losses
 
 
2,033
 
 
 
1,502
 
 
 
511
 
 
 
566
 
 
 
(395
)
 
 
996
 
 
 
(75
)
 
 
5,138
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Charge-offs
 
 
(2,381
)
 
 
(2,000
)
 
 
(860
)
 
 
(272
)
 
 
(197
)
 
 
(932
)
 
 
—
 
 
 
(6,642
)
Recoveries
 
 
185
 
 
 
288
 
 
 
142
 
 
 
11
 
 
 
71
 
 
 
176
 
 
 
—
 
 
 
873
 
Net charge-offs
 
 
(2,196
)
 
 
(1,712
)
 
 
(718
)
 
 
(261
)
 
 
(126
)
 
 
(756
)
 
 
—
 
 
 
(5,769
)
Balance as of December 31, 2011
 
 
3,598
 
 
 
1,747
 
 
 
1,934
 
 
 
1,135
 
 
 
1,198
 
 
 
796
 
 
 
—
 
 
 
10,408
 
Period-end amount allocated to:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans individually evaluated for impairment
 
 
101
 
 
 
22
 
 
 
—
 
 
 
731
 
 
 
668
 
 
 
126
 
 
 
—
 
 
 
1,648
 
Loans collectively evaluated for impairment
 
 
3,497
 
 
 
1,725
 
 
 
1,934
 
 
 
404
 
 
 
530
 
 
 
670
 
 
 
—
 
 
 
8,760
 
Ending Balance
 
$
3,598
 
 
$
1,747
 
 
$
1,934
 
 
$
1,135
 
 
$
1,198
 
 
$
796
 
 
$
—
 
 
$
10,408
 

The Company's investment in loans as of September 30, 2012, September 30, 2011, and December 31, 2011 related to each balance in the allowance for loan losses by loan class and disaggregated on the basis of the Company's impairment methodology was as follows:
 
($ in thousands)
 
Commercial
 
 
Commercial Real Estate
 
 
Agriculture
 
 
Residential Mortgage
 
 
Residential Construction
 
 
Consumer
 
 
Total
 
September 30, 2012
 
Loans individually evaluated for impairment
 
$
3,604
 
 
$
4,800
 
 
$
—
 
 
$
4,905
 
 
$
1,147
 
 
$
864
 
 
$
15,320
 
Loans collectively evaluated for impairment
 
 
90,284
 
 
 
187,950
 
 
 
49,103
 
 
 
44,747
 
 
 
6,435
 
 
 
60,008
 
 
 
438,527
 
Ending Balance
 
$
93,888
 
 
$
192,750
 
 
$
49,103
 
 
$
49,652
 
 
$
7,582
 
 
$
60,872
 
 
$
453,847
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
September 30, 2011
 
Loans individually evaluated for impairment
 
$
3,478
 
 
$
7,557
 
 
$
280
 
 
$
5,159
 
 
$
1,437
 
 
$
591
 
 
$
18,502
 
Loans collectively evaluated for impairment
 
 
77,977
 
 
 
170,596
 
 
 
55,482
 
 
 
45,080
 
 
 
6,689
 
 
 
64,967
 
 
 
420,791
 
Ending Balance
 
$
81,455
 
 
$
178,153
 
 
$
55,762
 
 
$
50,239
 
 
$
8,126
 
 
$
65,558
 
 
$
439,293
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2011
 
Loans individually evaluated for impairment
 
$
3,488
 
 
$
4,269
 
 
$
3,598
 
 
$
5,069
 
 
$
1,147
 
 
$
655
 
 
$
18,226
 
Loans collectively evaluated for impairment
 
 
88,426
 
 
 
171,524
 
 
 
48,466
 
 
 
46,517
 
 
 
6,345
 
 
 
63,495
 
 
 
424,773
 
Ending Balance
 
$
91,914
 
 
$
175,793
 
 
$
52,064
 
 
$
51,586
 
 
$
7,492
 
 
$
64,150
 
 
$
442,999