Loans and Leases

12 Months Ended

Dec. 31, 2011

Loans and Leases [Abstract]

Loans and Leases

(6)  Loans and Leases

A summary of loans and leases, net of deferred fees and origination costs, by category is as follows:

	At December 31,
(In thousands)	2011		2010
Residential real estate mortgages	$	581,511	$	548,394
Commercial		611,298		577,731
Commercial real estate		888,879		844,458
Real estate construction and development		93,977		45,444
Agricultural and agricultural real estate mortgages		108,423		112,738
Consumer		946,470		905,563
Home equity		569,645		575,678
Total loans and leases	$	3,800,203	$	3,610,006

Included in the above loans and leases are net deferred loan origination costs totaling $1.6 million and $2.9 million at December 31, 2011 and 2010, respectively.  Also included is unearned income of $0.3 million and $1.4 million at December 31, 2011 and 2010, respectively.  The decrease in unearned income is due to the run-off of the lease portfolio as the Company ceased lease originations in 2009.  The Company had residential loans held for sale totaling $2.7 million as of December 31, 2011 and none as of December 31, 2010.

FHLB advances are collateralized by a blanket lien on the Company's residential real estate mortgages.