Commitments (Tables)

3 Months Ended

Mar. 31, 2014

Summary of Contractual Commitments

The following table is a summary of such contractual commitments:

	(Amounts in thousands)
	March 31, 2014		December 31, 2013
Commitments to extend credit:
Fixed rate	$	31,217	$	14,439
Variable rate		49,052		53,275
Standby letters of credit		550		670

Summary of Overdraft Protection

The following table is a summary of overdraft protection for the periods indicated:

	(Amounts in thousands)
	March 31, 2014			December 31, 2013
Overdraft protection available on depositors' accounts	$	9,694		$	9,678
Balance of overdrafts included in loans		80			190
Average daily balance of overdrafts		107			115
Average daily balance of overdrafts as a percentage of available		1.10	%		1.19	%