Loans (Tables)

3 Months Ended

Mar. 31, 2013


(dollars in thousands)	March 31, 2013		December 31, 2012
Builder & developer	$	97,195	$	96,936
Commercial real estate investor		124,917		122,714
Residential real estate investor		66,725		66,419
Hotel/Motel		68,903		64,948
Wholesale & retail		69,905		70,443
Manufacturing		37,923		40,258
Agriculture		27,935		20,928
Other		133,946		124,834
Total commercial related loans		627,449		607,480
Residential mortgages		23,538		23,511
Home equity		68,864		65,858
Other		39,763		40,285
Total consumer related loans		132,165		129,654
Total loans	$	759,614	$	737,134

Summary Of Loan Risk Ratings By Loan Class


(dollars in thousands)	Pass		Special Mention		Substandard		Nonaccrual		Total
March 31, 2013
Builder & developer	$	84,364	$	4,629	$	7,817	$	385	$	97,195
Commercial real estate investor		115,368		3,837		2,295		3,417		124,917
Residential real estate investor		63,740		171		85		2,729		66,725
Hotel/Motel		68,903		0		0		0		68,903
Wholesale & retail		65,909		1,348		0		2,648		69,905
Manufacturing		37,235		0		688		0		37,923
Agriculture		27,466		0		469		0		27,935
Other		130,205		1,026		346		2,369		133,946
Total commercial related loans		593,190		11,011		11,700		11,548		627,449
Residential mortgage		23,450		5		31		52		23,538
Home equity		68,468		117		188		91		68,864
Other		38,884		261		145		473		39,763
Total consumer related loans		130,802		383		364		616		132,165
Total loans	$	723,992	$	11,394	$	12,064	$	12,164	$	759,614

December 31, 2012
Builder & developer	$	79,101	$	6,567	$	11,013	$	255	$	96,936
Commercial real estate investor		107,415		9,563		2,459		3,277		122,714
Residential real estate investor		62,327		1,361		2,044		687		66,419
Hotel/Motel		64,948		0		0		0		64,948
Wholesale & retail		66,155		1,521		983		1,784		70,443
Manufacturing		39,559		0		699		0		40,258
Agriculture		20,457		0		471		0		20,928
Other		121,223		1,156		612		1,843		124,834
Total commercial related loans		561,185		20,168		18,281		7,846		607,480
Residential mortgage		23,421		5		32		53		23,511
Home equity		65,406		112		188		152		65,858
Other		39,318		325		351		291		40,285
Total consumer related loans		128,145		442		571		496		129,654
Total loans	$	689,330	$	20,610	$	18,852	$	8,342	$	737,134

Summary Of Impaired Loans


	March 31, 2013						December 31, 2012
(dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Recorded Investment		Unpaid Principal Balance		Related Allowance
Impaired loans with no related allowance:
Builder & developer	$	9,254	$	9,254		-	$	12,211	$	12,211		-
Commercial real estate investor		5,712		5,812		-		5,736		5,836		-
Residential real estate investor		157		157		-		72		72		-
Hotel/Motel		0		0		-		0		0		-
Wholesale & retail		2,928		5,203		-		3,048		5,323		-
Manufacturing		688		688		-		699		699		-
Agriculture		0		0		-		0		0		-
Other commercial		1,745		1,873		-		1,483		1,611		-
Residential mortgage		83		109		-		85		111		-
Home equity		279		279		-		340		340		-
Other consumer		618		676		-		642		718		-
Total impaired loans with no related allowance	$	21,464	$	24,051		-	$	24,316	$	26,921		-

Impaired loans with a related allowance:
Builder & developer	$	132	$	132	$	62	$	256	$	256	$	147
Commercial real estate investor		0		0		0		0		0		0
Residential real estate investor		2,657		2,657		700		2,659		2,659		700
Hotel/Motel		0		0		0		0		0		0
Wholesale & retail		0		0		0		0		0		0
Manufacturing		0		0		0		0		0		0
Agriculture		469		469		100		471		471		100
Other commercial		969		969		170		972		972		215
Residential mortgage		0		0		0		0		0		0
Home equity		0		0		0		0		0		0
Other consumer		0		0		0		0		0		0
Total impaired loans with a related allowance	$	4,227	$	4,227	$	1,032	$	4,358	$	4,358	$	1,162

Total impaired loans:
Builder & developer	$	9,386	$	9,386	$	62	$	12,467	$	12,467	$	147
Commercial real estate investor		5,712		5,812		0		5,736		5,836		0
Residential real estate investor		2,814		2,814		700		2,731		2,731		700
Hotel/Motel		0		0		0		0		0		0
Wholesale & retail		2,928		5,203		0		3,048		5,323		0
Manufacturing		688		688		0		699		699		0
Agriculture		469		469		100		471		471		100
Other commercial		2,714		2,842		170		2,455		2,583		215
Residential mortgage		83		109		0		85		111		0
Home equity		279		279		0		340		340		0
Other consumer		618		676		0		642		718		0
Total impaired loans	$	25,691	$	28,278	$	1,032	$	28,674	$	31,279	$	1,162

Summary Of Average Impaired Loans And Related Interest Income


	For the three months ended
	March 31, 2013							March 31, 2012
(dollars in thousands)	Average Recorded Investment		Total Interest Income			Cash Basis Interest Income		Average Recorded Investment		Total Interest Income			Cash Basis Interest Income
Impaired loans with no related allowance:
Builder & developer	$	10,732	$	130		$	2	$	5,245	$	116		$	42
Commercial real estate investor		5,724		67			36		4,260		69			34
Residential real estate investor		115		2			1		463		1			1
Hotel/Motel		0		0			0		0		0			0
Wholesale & retail		2,988		(23	)		1		2,955		(3	)		1
Manufacturing		693		10			0		713		10			0
Agriculture		0		0			0		0		0			0
Other commercial		1,614		(2	)		1		5,373		(23	)		23
Residential mortgage		84		2			1		203		3			2
Home equity		310		3			1		246		2			1
Other consumer		630		6			6		295		3			3
Total impaired loans with no related allowance	$	22,890	$	195		$	49	$	19,753	$	178		$	107

Impaired loans with a related allowance:
Builder & developer	$	194	$	0		$	0	$	264		0			0
Commercial real estate investor		0		0			0		113		1			0
Residential real estate investor		2,658		(9	)		0		89		0			0
Hotel/Motel		0		0			0		0		0			0
Wholesale & retail		0		0			0		0		0			0
Manufacturing		0		0			0		0		0			0
Agriculture		470		8			0		488		9			0
Other commercial		971		1			0		925		(1	)		0
Residential mortgage		0		0			0		0		0			0
Home equity		0		0			0		0		0			0
Other consumer		0		0			0		0		0			0
Total impaired loans with a related allowance	$	4,293	$	0		$	0	$	1,879	$	9		$	0

Total impaired loans:
Builder & developer	$	10,926	$	130		$	2	$	5,509	$	116		$	42
Commercial real estate investor		5,724		67			36		4,373		70			34
Residential real estate investor		2,773		(7	)		1		552		1			1
Hotel/Motel		0		0			0		0		0			0
Wholesale & retail		2,988		(23	)		1		2,955		(3	)		1
Manufacturing		693		10			0		713		10			0
Agriculture		470		8			0		488		9			0
Other commercial		2,585		(1	)		1		6,298		(24	)		23
Residential mortgage		84		2			1		203		3			2
Home equity		310		3			1		246		2			1
Other consumer		630		6			6		295		3			3
Total impaired loans	$	27,183	$	195		$	49	$	21,632	$	187		$	107

Summary Of Past Due Accruing Loans, Nonaccrual Loans And Current Loans By Loan Segment And Class


*(dollars in thousands)*	30-59 Days Past Due		60-89 Days Past Due		> 90 Days Past Due and Accruing		Nonaccrual		Total Past Due and Nonaccrual		Current		Total Loans
March 31, 2013
Builder & developer	$	0	$	0	$	0	$	385	$	385	$	96,810	$	97,195
Commercial real estate investor		0		0		0		3,417		3,417		121,500		124,917
Residential real estate investor		0		268		0		2,729		2,997		63,728		66,725
Hotel/Motel		0		0		0		0		0		68,903		68,903
Wholesale & retail		0		0		0		2,648		2,648		67,257		69,905
Manufacturing		0		0		0		0		0		37,923		37,923
Agriculture		375		0		0		0		375		27,560		27,935
Other		0		0		0		2,369		2,369		131,577		133,946
Total commercial related loans		375		268		0		11,548		12,191		615,258		627,449
Residential mortgage		397		0		0		52		449		23,089		23,538
Home equity		0		0		0		91		91		68,773		68,864
Other		553		27		0		473		1,053		38,710		39,763
Total consumer related loans		950		27		0		616		1,593		130,572		132,165
Total loans	$	1,325	$	295	$	0	$	12,164	$	13,784	$	745,830	$	759,614

December 31, 2012
Builder & developer	$	400	$	0	$	0	$	255	$	655	$	96,281	$	96,936
Commercial real estate investor		0		0		0		3,277		3,277		119,437		122,714
Residential real estate investor		2,044		0		0		687		2,731		63,688		66,419
Hotel/Motel		0		0		0		0		0		64,948		64,948
Wholesale & retail		1,067		0		0		1,784		2,851		67,592		70,443
Manufacturing		0		0		0		0		0		40,258		40,258
Agriculture		0		0		0		0		0		20,928		20,928
Other		456		0		0		1,843		2,299		122,535		124,834
Total commercial related loans		3,967		0		0		7,846		11,813		595,667		607,480
Residential mortgage		474		129		0		53		656		22,855		23,511
Home equity		62		0		0		152		214		65,644		65,858
Other		842		195		186		291		1,514		38,771		40,285
Total consumer related loans		1,378		324		186		496		2,384		127,270		129,654
Total loans	$	5,345	$	324	$	186	$	8,342	$	14,197	$	722,937	$	737,134

Schedule Of Troubled Debt Restructurings


	Modifications
(dollars in thousands)	Number of Contracts		Pre-Modification Outstanding Recorded Investments		Post-Modification Outstanding Recorded Investments
Three months ended:

March 31, 2013
Commercial related loans accruing		1	$	208	$	208

March 31, 2012
Commercial related loans nonaccrual		1	$	286	$	286