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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)
 12 Months Ended
Dec. 31, 2013
LOANS AND ALLOWANCE FOR LOAN LOSSES  
Schedule of loans

 

 
   December 31,
2013
   December 31,
2012
  
   

Commercial

              

Commercial and industrial

   $ 180,378   $ 134,156  

Agricultural

     30,323     22,355  

Commercial Real Estate

              

Farm

     76,082     66,119  

Hotel

     108,226     131,495  

Construction and development

     35,731     25,208  

Other

     546,970     507,231  

Residential

              

1-4 family

     403,733     394,195  

Home equity

     244,277     224,329  

Consumer

              

Direct

     45,129     45,844  

Indirect

     1,077     2,451  
       
​ ​ ​ ​ ​ ​ ​ ​

Total loans

     1,671,926     1,553,383  

Allowance for loan losses

     (27,609 )   (32,227 )
       
​ ​ ​ ​ ​ ​ ​ ​

Net loans

   $ 1,644,317   $ 1,521,156  
       
​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​
       
Schedule of activity in the allowance for loan losses

 

2013
   Commercial
   Commercial
Real Estate
   Residential
   Consumer
   Total
  
   

Allowance for loan losses

                                

Balance, January 1

   $ 3,894   $ 24,157   $ 3,180   $ 996   $ 32,227  

Provision charged to expense

     208     1,319     1,928     1,079     4,534  

Losses charged off

     (1,152 )   (6,353 )   (2,349 )   (2,648 )   (12,502 )

Recoveries

     341     1,087     650     1,272     3,350  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Balance, December 31

   $ 3,291   $ 20,210   $ 3,409   $ 699   $ 27,609  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
       


 

2012
   Commercial
   Commercial
Real Estate
   Residential
   Consumer
   Total
  
   

Allowance for loan losses

                                

Balance, January 1

   $ 5,562   $ 30,476   $ 2,972   $ 879   $ 39,889  

Provision charged to expense

     (265 )   4,802     3,490     1,823     9,850  

Losses charged off

     (1,946 )   (13,553 )   (3,547 )   (3,286 )   (22,332 )

Recoveries

     543     2,432     265     1,580     4,820  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Balance, December 31

   $ 3,894   $ 24,157   $ 3,180   $ 996   $ 32,227  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
       


 

2011
   Commercial
   Commercial
Real Estate
   Residential
   Consumer
   Total
  
   

Allowance for loan losses

                                

Balance, January 1

   $ 6,386   $ 32,653   $ 2,281   $ 1,285   $ 42,605  

Provision charged to expense

     215     13,406     3,136     1,043     17,800  

Losses charged off

     (2,211 )   (16,954 )   (3,093 )   (2,636 )   (24,894 )

Recoveries

     1,172     1,371     648     1,187     4,378  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Balance, December 31

   $ 5,562   $ 30,476   $ 2,972   $ 879   $ 39,889  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
       
Schedule of balance in the allowance for loan losses and the recorded investment by portfolio segment and impairment method

 

December 31, 2013
   Commercial
   Commercial
Real Estate
   Residential
   Consumer
   Total
  
   

Allowance for loan losses

                                

Ending Balance individually evaluated for impairment

   $ 13   $ 1,167   $ 105   $ 2   $ 1,287  

Ending Balance collectively evaluated for impairment

     3,278     19,043     3,304     697     26,322  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Total ending allowance balance

   $ 3,291   $ 20,210   $ 3,409   $ 699   $ 27,609  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
       

Loans

                                

Ending Balance individually evaluated for impairment

   $ 300   $ 21,240   $ 10,797   $ 785   $ 33,122  

Ending Balance collectively evaluated for impairment

     210,401     745,769     637,213     45,421   $ 1,638,804  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Total ending loan balance excludes $5,043 of accrued interest

   $ 210,701   $ 767,009   $ 648,010   $ 46,206   $ 1,671,926  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
       


 

December 31, 2012
   Commercial
   Commercial
Real Estate
   Residential
   Consumer
   Total
  
   

Allowance for loan losses

                                

Ending Balance individually evaluated for impairment

   $ 150   $ 3,067     —     —   $ 3,217  

Ending Balance collectively evaluated for impairment

     3,744     21,090     3,180     996     29,010  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Total ending allowance balance

   $ 3,894   $ 24,157   $ 3,180   $ 996   $ 32,227  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
       

Loans

                                

Ending Balance individually evaluated for impairment

   $ 1,797   $ 33,499   $ 14,175   $ 1,083   $ 50,554  

Ending Balance collectively evaluated for impairment

     154,714     696,554     604,349     47,212     1,502,829  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Total ending loan balance excludes $5,206 of accrued interest

   $ 156,511   $ 730,053   $ 618,524   $ 48,295   $ 1,553,383  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
       
Schedule of nonperforming loans

 

December 31
   2013
   2012
  
   

Loans past due 90 days or more still on accrual

   $ 14   $ 565  

Troubled debt restructurings (accruing)

     4,188     15,102  

Non-accrual loans

     22,341     35,451  
       
​ ​ ​ ​ ​ ​ ​ ​

Total

   $ 26,543   $ 51,118  
       
​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​
       
Schedule of loans individually evaluated for impairment by class of loans

 

December 31, 2013
   Unpaid
Principal
Balance
   Recorded
Investment
   Allowance
for Loan
Losses
Allocated
   Interest
Income
Recognized
   Cash Basis
Interest
Recognized
  
   

With an allowance recorded

                                

Commercial

                                

Commercial and industrial

   $ 194   $ 177   $ 13              

Agricultural

     —     —     —              

Commercial Real Estate

                                

Farm

     625     436     61              

Hotel

     —     —     —              

Construction and development

     —     —     —              

Other

     7,309     6,382     1,106              

Residential

                                

1-4 Family

     1,089     981     102              

Home Equity

     50     50     3              

Consumer

                                

Direct

     126     126     2              

Indirect

     —     —     —              
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Subtotal — impaired with allowance recorded

     9,393     8,152     1,287              

With no related allowance recorded

                                

Commercial

                                

Commercial and industrial

   $ 204   $ 123         $ 12   $ 12  

Agricultural

     —     —           —     —  

Commercial Real Estate

                                

Farm

     767     657           11     11  

Hotel

     —     —           1     1  

Construction and development

     942     795           45     45  

Other

     8,651     6,377           72     72  

Residential

                                

1-4 Family

     8,931     8,007           15     15  

Home Equity

     1,860     1,759           13     13  

Consumer

                                

Direct

     675     649           17     17  

Indirect

     11     10           —     —  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Subtotal — impaired with no allowance recorded

     22,041     18,377     —     186     186  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Total impaired loans

   $ 31,434   $ 26,529   $ 1,287   $ 186   $ 186  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
       

December 31, 2012
   Unpaid
Principal
Balance
   Recorded
Investment
   Allowance
for Loan
Losses
Allocated
   Interest
Income
Recognized
   Cash Basis
Interest Recognized
  
   

With an allowance recorded

                                

Commercial

                                

Commercial and industrial

   $ 305   $ 305   $ 150              

Agricultural

     —     —     —              

Commercial Real Estate

                                

Farm

     922     922     442              

Hotel

                                

Construction and development

     742     644     240              

Other

     9,727     9,419     2,385              

Residential

                                

1-4 Family

                                

Home Equity

                                

Consumer

                                

Direct

                                

Indirect

                                
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Subtotal — impaired with allowance recorded

     11,696     11,290     3,217              

With no related allowance recorded

                                

Commercial

                                

Commercial and industrial

   $ 2,115   $ 1,492         $ 76   $ 76  

Agricultural

     1     —                    

Commercial Real Estate

                                

Farm

     741     663           9     9  

Hotel

     6,257     5,968                    

Construction and development

     2,685     1,499           108     108  

Other

     20,047     14,384           129     129  

Residential

                                

1-4 Family

     13,110     11,548           3     3  

Home Equity

     2,801     2,627           17     17  

Consumer

                                

Direct

     1,083     1,066           9     9  

Indirect

     19     17           7     7  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Subtotal — impaired with no allowance recorded

     48,859     39,264     —     358     358  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Total impaired loans

   $ 60,555   $ 50,554   $ 3,217   $ 358   $ 358  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
       


 

December 31, 2011
   Unpaid
Principal
Balance
   Recorded
Investment
   Allowance
for Loan
Losses
Allocated
   Interest
Income
Recognized
   Cash Basis
Interest
Recognized
  
   

With an allowance recorded

                                

Commercial

                                

Commercial and industrial

   $ 3,130   $ 3,057   $ 1,193              

Agricultural

     —     —     —              

Commercial Real Estate

                                

Farm

     486     486     193              

Hotel

     5,385     5,385     100              

Construction and development

     5,558     5,476     2,371              

Other

     14,400     14,322     2,812              

Residential

                                

1-4 Family

                                

Home Equity

                                

Consumer

                                

Direct

                                

Indirect

                                
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Subtotal — impaired with allowance recorded

     28,959     28,726     6,669              

With no related allowance recorded

                                

Commercial

                                

Commercial and industrial

   $ 2,720   $ 2,030         $ 22   $ 22  

Agricultural

     351     57           —     —  

Commercial Real Estate

                                

Farm

     579     531           —     —  

Hotel

     876     384                    

Construction and development

     2,996     1,839           1     1  

Other

     16,325     12,726           135     135  

Residential

                                

1-4 Family

     12,344     12,045           8     8  

Home Equity

     2,548     2,477           8     8  

Consumer

                                

Direct

     1,096     1,083           9     9  

Indirect

     35     33           5     5  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Subtotal — impaired with no allowance recorded

     39,870     33,205     —     188     188  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Total impaired loans

   $ 68,829   $ 61,931   $ 6,669   $ 188   $ 188  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
       
Schedule of average recorded investment of impaired loans

 

 
   2013
   2012
   2011
  
   

Commercial

                    

Commercial and industrial

   $ 997   $ 4,401   $ 6,438  

Agricultural

     —     23     103  

Commercial Real Estate

                    

Farm

     1,360     1,180     1,110  

Hotel

     1,194     2,388     7,271  

Construction and development

     1,514     4,751     9,467  

Other

     18,150     25,716     29,079  

Residential

                    

1-4 family

     10,372     11,778     11,825  

Home equity

     2,420     2,719     1,974  

Consumer

                    

Direct

     893     1,041     1,143  

Indirect

     14     41     58  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Total loans

   $ 36,914   $ 54,038   $ 68,468  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
       
Schedule of recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans

 

 
   Non-accrual
   Past due over
90 days and
still accruing
  
 
      
December 31,
   2013
   2012
   2013
   2012
  
   

Commercial

                          

Commercial and industrial

   $ 159   $ 1,777   $ 14   $ —  

Agricultural

     —     —     —     —  

Commercial Real Estate

                          

Farm

     1,093     1,584     —     —  

Hotel

     —     —     —     —  

Construction and development

     329     1,657     —     565  

Other

     11,489     17,442     —     —  

Residential

                          

1-4 Family

     7,635     10,392     —     —  

Home Equity

     1,452     2,216     —     —  

Consumer

                          

Direct

     174     366     —     —  

Indirect

     10     17     —     —  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Total

   $ 22,341   $ 35,451   $ 14   $ 565  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
       
Schedule of aging of the recorded investment in past due loans

 

December 31, 2013
   Total
Loans
   30-59 Days
Past Due
   60-89 Days
Past Due
   Greater than
90 Days
Past Due
   Total
Past Due
   Loans Not
Past Due
  
   

Commercial

                                      

Commercial and industrial

   $ 180,378   $ 64   $ 24   $ 72   $ 160   $ 180,218  

Agricultural

     30,323     —     —     —     —     30,323  

Commercial Real Estate

                                      

Farm

     76,082     —     —     697     697     75,385  

Hotel

     108,226     —     —     —     —     108,226  

Construction and development

     35,731     466     —     329     795     34,936  

Other

     546,970     984     187     5,944     7,115     539,855  

Residential

                                      

1-4 Family

     403,733     7,381     1,969     4,936     14,286     389,447  

Home Equity

     244,277     646     313     1,025     1,984     242,293  

Consumer

                                      

Direct

     45,129     192     32     126     350     44,779  

Indirect

     1,077     2     4     —     6     1,071  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Total — excludes $5,043 of accrued interest

   $ 1,671,926   $ 9,735   $ 2,529   $ 13,129   $ 25,393   $ 1,646,533  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
       


 

December 31, 2012
   Total
Loans
   30-59 Days
Past Due
   60-89 Days
Past Due
   Greater than
90 Days
Past Due
   Total
Past Due
   Loans Not
Past Due
  
   

Commercial

                                      

Commercial and industrial

   $ 134,156   $ 1,421   $ 311   $ 1,094   $ 2,826   $ 131,330  

Agricultural

     22,355     —     —     —     —     22,355  

Commercial Real Estate

                                      

Farm

     66,119     158     —     1,417     1,575     64,544  

Hotel

     131,495     —     —     —     —     131,495  

Construction and development

     25,208     —     —     2,121     2,121     23,087  

Other

     507,231     2,516     1,208     10,607     14,331     492,900  

Residential

                                      

1-4 Family

     394,195     7,788     2,605     5,492     15,885     378,310  

Home Equity

     224,329     1,170     357     1,428     2,955     221,374  

Consumer

                                      

Direct

     45,844     182     49     242     473     45,371  

Indirect

     2,451     33     12     5     50     2,401  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Total — excludes $5,206 of accrued interest

   $ 1,553,383   $ 13,268   $ 4,542   $ 22,406   $ 40,216   $ 1,513,167  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
       
Schedule of loans by class modified as troubled debt restructurings

 

2013
   Number of Loans
   Pre-Modification
Outstanding Recorded
Investment
   Post-Modification
Outstanding Recorded
Investment
  
   

Commercial

                    

Commercial and industrial

     1   $ 28   $ 28  

Commercial Real Estate

                    

Other real estate

     3     344     344  

Residential

                    

1-4 Family

     7     359     359  

Home Equity

     1     20     20  

Consumer

                    

Direct

     1     30     30  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Total

     13   $ 781   $ 781  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
       


 

2012
   Number of Loans
   Pre-Modification
Outstanding Recorded
Investment
   Post-Modification
Outstanding Recorded
Investment
  
   

Commercial

                    

Commercial and industrial

     2   $ 179   $ 179  

Commercial Real Estate

                    

Hotel

     2     7,727     5,968  

Other

     7     6,241     5,367  

Residential

                    

1-4 Family

     1     91     91  

Home Equity

     1     70     70  

Consumer

                    

Direct

     1     4     4  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Total

     14   $ 14,312   $ 11,679  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
       
Schedule of loans by class modified as troubled debt restructurings for which there was a payment default within twelve months following the modification

 

2013
   Number of Loans
   Recorded Investment
  
   

Residential

              

1-4 Family

     2   $ 89  

Home Equity

     1     15  

Consumer

              

Direct

     1     4  
       
​ ​ ​ ​ ​ ​ ​ ​

Total

     4   $ 108  
       
​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​
       


 

2012
   Number of Loans
   Recorded Investment
  
   

Commercial

              

Commercial and industrial

     3   $ 2,195  

Commercial real estate:

              

Development

     1     323  

Other

     9     3,332  

Residential

              

1-4 Family

     2     125  

Home Equity

     1     12  
       
​ ​ ​ ​ ​ ​ ​ ​

Total

     16   $ 5,987  
       
​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​
       
Schedule of risk category of loans by class of loans

 

December 31, 2013
   Pass
   Special
Mention
   Substandard
   Non-accrual
  
   

Commercial

                          

Commercial and industrial

   $ 174,408   $ 4,561   $ 1,250   $ 159  

Agricultural

     30,323     —     —     —  

Commercial Real Estate

                          

Farm

   $ 74,884     105     —     1,093  

Hotel

     61,195     31,401     15,630     —  

Construction and development

     34,936     —     466     329  

Other

     504,657     20,893     9,931     11,489  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Total

   $ 880,403   $ 56,960   $ 26,277   $ 13,070  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
       


 

December 31, 2012
   Pass
   Special
Mention
   Substandard
   Non-accrual
  
   

Commercial

                          

Commercial and industrial

   $ 119,755   $ 9,824   $ 2,800   $ 1,777  

Agricultural

     22,350     —     5     —  

Commercial Real Estate

                          

Farm

     63,294     1,094     147     1,584  

Hotel

     83,522     47,973     —     —  

Construction and development

     18,719     1,465     3,367     1,657  

Other

     439,702     27,621     22,466     17,442  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Total

   $ 747,342   $ 87,977   $ 28,785   $ 22,460  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
       
Schedule of performing/non performing loans by category of loans

 

December 31, 2013
   Performing
   Watch
   Substandard
  
   

Residential

                    

1-4 Family

   $ 396,836   $ 1,965   $ 4,932  

Home Equity

     242,934     315     1,028  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Total

   $ 639,770   $ 2,280   $ 5,960  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
       


 

December 31, 2013
   Performing
   Substandard
   Loss
  
   

Consumer

                    

Direct

   $ 44,970   $ 32   $ 127  

Indirect

     1,073     4     —  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Total

   $ 46,043   $ 36   $ 127  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
       


 

December 31, 2012
   Performing
   Watch
   Substandard
  
   

Residential

                    

1-4 Family

   $ 386,098   $ 2,605   $ 5,492  

Home Equity

     222,544     357     1,428  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Total

   $ 608,642   $ 2,962   $ 6,920  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
       


 

December 31, 2012
   Performing
   Substandard
   Loss
  
   

Consumer

                    

Direct

   $ 45,553   $ 195   $ 96  

Indirect

     2,434     12     5  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Total

   $ 47,987   $ 207   $ 101  
       
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​