Loans

3 Months Ended

Mar. 31, 2012

Loans and Leases Receivable Disclosure [Abstract]

Loans

Loans

Outstanding loans are summarized as follows:

(Dollars in thousands)	March 31, 2012			% of Total Loans		December 31, 2011			% of Total Loans
Loan Type
Commercial:
Commercial and industrial	$	79,973		19.5	%	$	78,089		18.3	%
Agricultural land and production	21,352			5.2	%	29,958			7.0	%
Total commercial	101,325			24.7	%	108,047			25.3	%
Real estate:
Owner occupied	108,985			26.7	%	113,183			26.4	%
Real estate construction and other land loans	32,782			8.0	%	33,047			7.7	%
Commercial real estate	57,376			14.1	%	62,523			14.6	%
Agricultural real estate	43,618			10.6	%	42,596			9.9	%
Other real estate	8,384			2.1	%	7,892			1.8	%
Total real estate	251,145			61.5	%	259,241			60.4	%
Consumer:
Equity loans and lines of credit	47,119			11.5	%	51,106			12.0	%
Consumer and installment	9,563			2.3	%	9,765			2.3	%
Total consumer	56,682			13.8	%	60,871			14.3	%
Deferred loan fees, net	(804		)			(764		)
Total gross loans	408,348			100.0	%	427,395			100.0	%
Allowance for credit losses	(10,285		)			(11,396		)
Total loans	$	398,063				$	415,999

At March 31, 2012 and December 31, 2011, loans originated under Small Business Administration (SBA) programs totaling $6,074,000 and $6,421,000, respectively, were included in the real estate and commercial categories.