Credit Quality Indicators (Tables)

9 Months Ended

Sep. 30, 2012

Credit Quality Indicators [Abstract]

Risk category of loans by class of loans

(In Thousands of Dollars)	Pass		Special Mention		Sub- standard		Doubtful		Not Rated		Total
September 30, 2012
Commercial real estate
Owner occupied	$	76,749	$	4,352	$	11,305	$	0	$	0	$	92,406
Non-owner occupied		73,465		6,102		4,735		0		0		84,302
Other		19,177		1,868		372		0		0		21,417
Commercial		74,342		4,676		4,777		0		0		83,795
Total	$	243,733	$	16,998	$	21,189	$	0	$	0	$	281,920

(In Thousands of Dollars)	Pass		Special Mention		Sub- standard		Doubtful		Not Rated		Total
December 31, 2011
Commercial real estate
Owner occupied	$	80,770	$	6,359	$	13,201	$	51	$	0	$	100,381
Non-owner occupied		68,806		2,575		8,942		0		0		80,323
Other		14,491		301		2,545		0		0		17,337
Commercial		65,198		5,963		3,454		260		0		74,875
Total	$	229,265	$	15,198	$	28,142	$	311	$	0	$	272,916

Investment in residential, consumer and indirect auto loans based on payment activity

(In Thousands of Dollars)	Residential Real Estate				Consumer
	1-4 Family Residential		Home Equity Lines of Credit		Indirect		Direct		Other
September 30, 2012
Performing	$	133,179	$	23,172	$	118,627	$	11,417	$	1,488
Nonperforming		2,706		379		13		0		2
Total	$	135,885	$	23,551	$	118,640	$	11,417	$	1,490

(In Thousands of Dollars)	Residential Real Estate				Consumer
	1-4 Family Residential		Home Equity Lines of Credit		Indirect		Direct		Other
December 31, 2011
Performing	$	141,070	$	21,644	$	118,617	$	11,583	$	1,518
Nonperforming		4,018		299		126		13		2
Total	$	145,088	$	21,943	$	118,743	$	11,596	$	1,520