Credit Quality Indicators (Tables)

6 Months Ended

Jun. 30, 2013

Risk Category of Loans by Class of Loans

(In Thousands of Dollars)	Pass
June 30, 2013
Commercial real estate
Owner occupied	$	72,537	$	7,978	$	6,253	$	0	$	0	$	86,768
Non-owner occupied		83,765		6,758		3,274		0		0		93,797
Other		16,510		0		353		0		0		16,863
Commercial		99,483		3,445		3,251		0		0		106,179
Total	$	272,295	$	18,181	$	13,131	$	0	$	0	$	303,607

(In Thousands of Dollars)	Pass
December 31, 2012
Commercial real estate
Owner occupied	$	78,327	$	5,954	$	10,600	$	0	$	0	$	94,881
Non-owner occupied		72,270		6,519		4,330		0		0		83,119
Other		17,855		4,433		363		0		0		22,651
Commercial		89,312		3,891		3,909		0		0		97,112
Total	$	257,764	$	20,797	$	19,202	$	0	$	0	$	297,763

Investment in Residential, Consumer and Indirect Auto Loans Based on Payment Activity

The Company considers the performance of the loan portfolio and its impact on the allowance for loan losses. For residential, consumer indirect and direct loan classes, the Company also evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following table presents the recorded investment in residential, consumer indirect and direct auto loans based on payment activity as of June 30, 2013 and December 31, 2012. Nonperforming loans are loans past due 90 days or more and still accruing interest and nonaccrual loans.

	Residential Real Estate
(In Thousands of Dollars)	1-4 Family Residential		Home Equity Lines of Credit		Indirect		Direct		Other
June 30, 2013
Performing	$	129,475	$	25,700	$	121,491	$	10,737	$	2,170
Nonperforming		3,066		385		137		70		0
Total	$	132,541	$	26,085	$	121,628	$	10,807	$	2,170

	Residential Real Estate
(In Thousands of Dollars)	1-4 Family Residential		Home Equity Lines of Credit		Indirect		Direct		Other
December 31, 2012
Performing	$	129,533	$	23,580	$	119,577	$	11,141	$	1,766
Nonperforming		2,539		530		143		19		1
Total	$	132,072	$	24,110	$	119,720	$	11,160	$	1,767