Loans

6 Months Ended

Jun. 30, 2012

Loans and Leases Receivable Disclosure [Abstract]

Loans

Loans

Outstanding loans are summarized as follows:

Loan Type (Dollars in thousands)	June 30, 2012			% of Total Loans		December 31, 2011			% of Total Loans
Commercial:
Commercial and industrial	$	75,786		18.3	%	$	78,089		18.3	%
Agricultural land and production	43,643			10.5	%	29,958			7.0	%
Total commercial	119,429			28.8	%	108,047			25.3	%
Real estate:
Owner occupied	109,336			26.1	%	113,183			26.4	%
Real estate construction and other land loans	32,209			7.8	%	33,047			7.7	%
Commercial real estate	54,578			13.2	%	62,523			14.6	%
Agricultural real estate	38,160			9.2	%	42,596			9.9	%
Other real estate	8,226			2.0	%	7,892			1.8	%
Total real estate	242,509			58.3	%	259,241			60.4	%
Consumer:
Equity loans and lines of credit	44,761			10.8	%	51,106			12.0	%
Consumer and installment	8,578			2.1	%	9,765			2.3	%
Total consumer	53,339			12.9	%	60,871			14.3	%
Deferred loan fees, net	(934		)			(764		)
Total gross loans	414,343			100.0	%	427,395			100.0	%
Allowance for credit losses	(10,140		)			(11,396		)
Total loans	$	404,203				$	415,999

At June 30, 2012 and December 31, 2011, loans originated under Small Business Administration (SBA) programs totaling $5,744,000 and $6,421,000, respectively, were included in the real estate and commercial categories.