Loans

12 Months Ended

Dec. 31, 2011

Loans and Leases Receivable Disclosure [Abstract]

Loans

LOANS

Outstanding loans are summarized as follows:

Loan Type	December 31, 2011			% of Total  loans		December 31, 2010			% of Total  loans
	(Dollars in thousands)
Commercial:
Commercial and industrial	$	78,089		18.3	%	$	81,318		18.8	%
Agricultural land and production	29,958			7.0	%	20,604			4.8	%
Total commercial	108,047			25.3	%	101,922			23.6	%
Real estate:
Owner occupied	113,183			26.4	%	111,888			25.9	%
Real estate construction and other land loans	33,047			7.7	%	32,038			7.4	%
Commercial real estate	62,523			14.6	%	63,627			14.7	%
Agricultural real estate	42,596			9.9	%	44,397			10.3	%
Other real estate	7,892			1.8	%	8,103			1.9	%
Total real estate	259,241			60.4	%	260,053			60.2	%
Consumer:
Equity loans and lines of credit	51,106			12.0	%	58,860			13.6	%
Consumer and installment	9,765			2.3	%	11,261			2.6	%
Total consumer	60,871			14.3	%	70,121			16.2	%
Deferred loan fees, net	(764		)			(499		)
Total gross loans	427,395			100.0	%	431,597			100.0	%
Allowance for credit losses	(11,396		)			(11,014		)
Total loans	$	415,999				$	420,583

At December 31, 2011 and 2010, loans originated under Small Business Administration (SBA) programs totaling $6,421,000 and $7,932,000, respectively, were included in the real estate and commercial categories.

Salaries and employee benefits totaling $229,000, $305,000, and $229,000 have been deferred as loan origination costs for the years ended December 31, 2011, 2010, and 2009, respectively.