Loans (Tables)

9 Months Ended

Sep. 30, 2012


(Dollars are in thousands)		September 30, 2012		December 31, 2011
Real estate secured:
Commercial	$	155,255	$	170,789
Construction and land development		25,212		32,389
Residential 1-4 family		243,938		255,998
Multifamily		12,636		14,320
Farmland		35,179		40,106
Total real estate loans		472,220		513,602
Commercial		30,420		39,327
Agriculture		4,965		6,147
Consumer installment loans		31,200		38,522
All other loans		187		218
Total loans	$	538,992	$	597,816

Summary Of Loans Receivable On Nonaccrual Status



(Dollars are in thousands)		September 30, 2012		December 31, 2011
Real estate secured:
Commercial	$	19,735	$	19,169
Construction and land development		2,997		5,583
Residential 1-4 family		4,974		4,829
Multifamily		2,076		2,101
Farmland		7,198		5,257
Total real estate loans		36,980		36,939
Commercial		2,556		4,522
Agriculture		494		854
Consumer installment loans		127		1
All other loans		-		-
Total loans receivable on nonaccrual status	$	40,157	$	42,316

Summary Of Impaired Loans



As of September 30, 2012 (Dollars are in thousands)		Average Recorded Investment		Interest Income Recognized		Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance recorded:
Real estate secured:
Commercial	$	28,230	$	628	$	21,704	$	24,215	$	-
Construction and land development		5,009		84		4,017		8,934		-
Residential 1-4 family		8,203		243		7,548		7,810		-
Multifamily		1,045		48		1,196		1,196		-
Farmland		8,592		(44)		9,068		9,407		-
Commercial		2,846		35		2,034		2,389		-
Agriculture		551		8		467		467		-
Consumer installment loans		79		9		112		112		-
All other loans		-		-		-		-		-
With an allowance recorded:
Real estate secured:
Commercial		15,089		241		16,139		16,510		4,225
Construction and land development		1,962		(157)		1,575		5,636		346
Residential 1-4 family		5,884		165		4,714		5,257		793
Multifamily		1,479		26		2,314		2,550		621
Farmland		4,790		66		2,185		2,306		385
Commercial		1,641		17		1,395		1,663		207
Agriculture		378		-		-		-		-
Consumer installment loans		79		3		37		37		15
All other loans		-		-		-		-		-
Total	$	85,857	$	1,372	$	74,505	$	88,489	$	6,592
As of December 31, 2011 (Dollars are in thousands)		Average Recorded Investment		Interest Income Recognized		Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance recorded:
Real estate secured:
Commercial	$	32,370	$	1,356	$	31,633	$	33,175	$	-
Construction and land development		14,288		125		6,954		12,838		-
Residential 1-4 family		6,406		315		8,221		8,296		-
Multifamily		619		31		613		613		-
Farmland		13,005		435		10,364		10,554		-
Commercial		2,958		60		3,529		4,070		-
Agriculture		396		1		521		817		-
Consumer installment loans		4		1		9		9		-
All other loans		-		-		-		-		-
With an allowance recorded:
Real estate secured:
Commercial		9,887		691		14,482		14,973		2,794
Construction and land development		2,917		87		2,289		2,310		474
Residential 1-4 family		5,111		277		6,473		6,764		1,052
Multifamily		-		-		-		-		-
Farmland		2,354		119		4,192		4,192		605
Commercial		1,982		75		1,857		1,857		649
Agriculture		758		28		641		641		448
Consumer installment loans		41		3		43		43		24
All other loans		-		-		-		-		-
Total	$	93,096	$	3,604	$	91,821	$	101,152	$	6,046

Summary Of Age Analysis Of Past Due Loans Receivable

As of September 30, 2012 (Dollars are in thousands)		Loans 30-59 Days Past Due		Loans 60-89 Days Past Due		Loans 90 or More Days Past Due		Total Past Due Loans		Current Loans		Total Loans		Accruing Loans 90 or More Days Past Due
Real estate secured:
Commercial	$	4,118	$	884	$	9,586	$	14,588	$	140,667	$	155,255	$	-
Construction and land development		2,106		84		912		3,102		22,110		25,212		-
Residential 1-4 family		7,586		1,858		3,692		13,136		230,802		243,938		1,074
Multifamily		-		331		2,076		2,407		10,229		12,636		-
Farmland		704		192		5,299		6,195		28,984		35,179		-
Total real estate loans		14,514		3,349		21,565		39,428		432,792		472,220		1,074
Commercial		30		382		1,831		2,243		28,177		30,420		3
Agriculture		59		-		343		402		4,563		4,965		-
Consumer installment Loans		660		56		187		903		30,297		31,200		72
All other loans		66		14		7		87		100		187		7
Total loans	$	15,329	$	3,801	$	23,933	$	43,063	$	495,929	$	538,992	$	1,156


As of December 31, 2011 (Dollars are in thousands)		Loans 30-59 Days Past Due		Loans 60-89 Days Past Due		Loans 90 or More Days Past Due		Total Past Due Loans		Current Loans		Total Loans		Accruing Loans 90 or More Days Past Due
Real estate secured:
Commercial	$	9,754	$	2,294	$	7,771	$	19,819	$	150,970	$	170,789	$	-
Construction and land development		595		238		5,280		6,113		26,276		32,389		-
Residential 1-4 family		9,471		1,412		4,101		14,984		241,014		255,998		1,129
Multifamily		-		1,777		218		1,995		12,325		14,320		-
Farmland		2,841		624		3,800		7,265		32,841		40,106		-
Total real estate loans		22,661		6,345		21,170		50,176		463,426		513,602		1,129
Commercial		551		34		2,938		3,523		35,804		39,327		117
Agriculture		268		88		458		814		5,333		6,147		3
Consumer installment Loans		822		133		221		1,176		37,346		38,522		222
All other loans		26		9		33		68		150		218		33
Total loans	$	24,328	$	6,609	$	24,820	$	55,757	$	542,059	$	597,816	$	1,504

Summary Of Risk Category Of Loans Receivable


As of September 30, 2012 (Dollars are in thousands)		Pass		Special Mention		Substandard		Doubtful		Total
Real estate secured:
Commercial	$	109,113	$	11,913	$	34,084	$	145	$	155,255
Construction and land development		18,148		1,260		5,804		-		25,212
Residential 1-4 family		198,672		16,245		27,834		1,187		243,938
Multifamily		9,220		179		3,237		-		12,636
Farmland		21,904		2,405		10,870		-		35,179
Total real estate loans		357,057		32,002		81,829		1,332		472,220
Commercial		23,013		3,748		3,618		41		30,420
Agriculture		4,191		229		543		2		4,965
Consumer installment loans		29,622		501		1,027		50		31,200
All other loans		187		-		-		-		187
Total	$	414,070	$	36,480	$	87,017	$	1,425	$	538,992
As of December 31, 2011 (Dollars are in thousands)		Pass		Special Mention		Substandard		Doubtful		Total
Real estate secured:
Commercial	$	112,694	$	18,377	$	39,573	$	145	$	170,789
Construction and land development		23,203		1,224		7,962		-		32,389
Residential 1-4 family		209,863		17,137		27,730		1,268		255,998
Multifamily		11,727		1,909		684		-		14,320
Farmland		21,715		4,957		13,022		412		40,106
Total real estate loans		379,202		43,604		88,971		1,825		513,602
Commercial		32,018		2,045		4,227		1,037		39,327
Agriculture		4,743		678		726		-		6,147
Consumer installment loans		36,107		900		1,484		31		38,522
All other loans		218		-		-		-		218
Total	$	452,288	$	47,227	$	95,408	$	2,893	$	597,816