XML 27 R50.htm IDEA: XBRL DOCUMENT v2.4.0.6
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES (Details) (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Segments of loan portfolio and allowance for loan losses [Abstract]      
Total Loans $ 502,463,000 $ 487,509,000  
Allowance for loan losses 6,784,000 6,487,000  
Net loans 495,679,000 481,022,000  
Individually evaluated for impairment 10,418,000 8,881,000  
Collectively evaluated for impairment 492,045,000 478,628,000  
Real estate loans serviced for Freddie Mac and Fannie Mae 73,813,000 58,985,000  
Net unamortized loan fees and costs 1,354,000 1,354,000  
Number of days past for loan to be considered impaired, Minimum 90 days    
Financing Receivable, Allowance for Credit Losses [Roll Forward]      
Balance at beginning of period 6,487,000 5,915,000 4,888,000
Charge-offs (172,000) (207,000) (408,000)
Recoveries 49,000 104,000 180,000
Provision 420,000 675,000 1,255,000
Balance at end of period 6,784,000 6,487,000 5,915,000
Individually evaluated for impairment 582,000 494,000 188,000
Collectively evaluated for impairment 6,202,000 5,993,000 5,727,000
Minimum [Member]
     
Segments of loan portfolio and allowance for loan losses [Abstract]      
Number of days past for loan to be considered impaired, Minimum 90 days    
First Mortgage [Member] | Minimum [Member]
     
Segments of loan portfolio and allowance for loan losses [Abstract]      
Period of mortgage on real estate 15 years    
First Mortgage [Member] | Maximum [Member]
     
Segments of loan portfolio and allowance for loan losses [Abstract]      
Period of mortgage on real estate 30 years    
Second Mortgage [Member] | Maximum [Member]
     
Segments of loan portfolio and allowance for loan losses [Abstract]      
Period of mortgage on real estate 15 years    
Commercial and Agricultural [Member]
     
Financing Receivable, Allowance for Credit Losses [Roll Forward]      
Change in loan portfolio   1,164,000  
Real Estate Loans [Member] | Residential [Member]
     
Segments of loan portfolio and allowance for loan losses [Abstract]      
Total Loans 178,080,000 184,034,000  
Individually evaluated for impairment 424,000 94,000  
Collectively evaluated for impairment 177,656,000 183,940,000  
Financing Receivable, Allowance for Credit Losses [Roll Forward]      
Balance at beginning of period 805,000 969,000 801,000
Charge-offs (95,000) (101,000) (76,000)
Recoveries 0 0 4,000
Provision 165,000 (63,000) 240,000
Balance at end of period 875,000 805,000 969,000
Individually evaluated for impairment 22,000 13,000 21,000
Collectively evaluated for impairment 853,000 792,000 948,000
Real Estate Loans [Member] | Commercial and Agricultural [Member]
     
Segments of loan portfolio and allowance for loan losses [Abstract]      
Total Loans 194,725,000 185,050,000  
Individually evaluated for impairment 9,093,000 8,270,000  
Collectively evaluated for impairment 185,632,000 176,780,000  
Financing Receivable, Allowance for Credit Losses [Roll Forward]      
Balance at beginning of period 4,132,000 3,380,000 2,864,000
Charge-offs (2,000) (29,000) (124,000)
Recoveries 9,000 15,000 21,000
Provision 298,000 766,000 619,000
Balance at end of period 4,437,000 4,132,000 3,380,000
Individually evaluated for impairment 559,000 433,000 167,000
Collectively evaluated for impairment 3,878,000 3,699,000 3,213,000
Real Estate Loans [Member] | Residential Mortgages [Member]
     
Segments of loan portfolio and allowance for loan losses [Abstract]      
Total Loans 106,548,000 102,711,000  
Real Estate Loans [Member] | Home Equity [Member]
     
Segments of loan portfolio and allowance for loan losses [Abstract]      
Total Loans 71,532,000 81,323,000  
Real Estate Loans [Member] | Commercial [Member]
     
Segments of loan portfolio and allowance for loan losses [Abstract]      
Total Loans 176,710,000 165,826,000  
Real Estate Loans [Member] | Agricultural [Member]
     
Segments of loan portfolio and allowance for loan losses [Abstract]      
Total Loans 18,015,000 19,224,000  
Real Estate Loans [Member] | Construction [Member]
     
Segments of loan portfolio and allowance for loan losses [Abstract]      
Total Loans 12,011,000 8,481,000  
Individually evaluated for impairment 0 0  
Collectively evaluated for impairment 12,011,000 8,481,000  
Financing Receivable, Allowance for Credit Losses [Roll Forward]      
Balance at beginning of period 15,000 22,000 20,000
Charge-offs 0 0 0
Recoveries 0 0 0
Provision 23,000 (7,000) 2,000
Balance at end of period 38,000 15,000 22,000
Individually evaluated for impairment 0 0 0
Collectively evaluated for impairment 38,000 15,000 22,000
Other Commercial and Agricultural Loans [Member]
     
Segments of loan portfolio and allowance for loan losses [Abstract]      
Total Loans 47,880,000 44,299,000  
Individually evaluated for impairment 901,000 517,000  
Collectively evaluated for impairment 46,979,000 43,782,000  
Financing Receivable, Allowance for Credit Losses [Roll Forward]      
Balance at beginning of period 674,000 983,000 918,000
Charge-offs (21,000) (6,000) (120,000)
Recoveries 7,000 32,000 76,000
Provision 68,000 (335,000) 109,000
Balance at end of period 728,000 674,000 983,000
Individually evaluated for impairment 1,000 48,000 0
Collectively evaluated for impairment 727,000 626,000 983,000
Consumer [Member]
     
Segments of loan portfolio and allowance for loan losses [Abstract]      
Total Loans 10,559,000 10,746,000  
Individually evaluated for impairment 0 0  
Collectively evaluated for impairment 10,559,000 10,746,000  
Financing Receivable, Allowance for Credit Losses [Roll Forward]      
Balance at beginning of period 111,000 108,000 131,000
Charge-offs (54,000) (71,000) (88,000)
Recoveries 33,000 57,000 79,000
Provision 29,000 17,000 (14,000)
Balance at end of period 119,000 111,000 108,000
Individually evaluated for impairment 0 0 0
Collectively evaluated for impairment 119,000 111,000 108,000
Commercial and Other Loans [Member]
     
Segments of loan portfolio and allowance for loan losses [Abstract]      
Total Loans 41,620,000 37,747,000  
Financing Receivable, Allowance for Credit Losses [Roll Forward]      
Change in loan portfolio   2,857,000  
Change in loan portfolio (in hundredths)   6.10%  
State and Political Subdivision Loans [Member]
     
Segments of loan portfolio and allowance for loan losses [Abstract]      
Total Loans 59,208,000 54,899,000  
Individually evaluated for impairment 0 0  
Collectively evaluated for impairment 59,208,000 54,899,000  
Financing Receivable, Allowance for Credit Losses [Roll Forward]      
Balance at beginning of period 235,000 137,000 93,000
Charge-offs 0 0 0
Recoveries 0 0 0
Provision 36,000 98,000 44,000
Balance at end of period 271,000 235,000 137,000
Individually evaluated for impairment 0 0 0
Collectively evaluated for impairment 271,000 235,000 137,000
Other Agricultural Loans [Member]
     
Segments of loan portfolio and allowance for loan losses [Abstract]      
Total Loans 6,260,000 6,552,000  
Unallocated [Member]
     
Financing Receivable, Allowance for Credit Losses [Roll Forward]      
Balance at beginning of period 515,000 316,000 61,000
Charge-offs 0 0 0
Recoveries 0 0 0
Provision (199,000) 199,000 255,000
Balance at end of period 316,000 515,000 316,000
Individually evaluated for impairment 0 0 0
Collectively evaluated for impairment $ 316,000 $ 515,000 $ 316,000