Loans (Tables)

3 Months Ended

Mar. 31, 2016



		March 31,	% Total		December 31,	% Total
(dollars in thousands)		2016	Loans		2015	Loans
Builder & developer	$	141,923	12.3	$	133,978	11.9
Commercial real estate investor		210,016	18.3		191,994	17.1
Residential real estate investor		158,813	13.8		161,144	14.3
Hotel/Motel		83,589	7.3		84,171	7.5
Wholesale & retail		77,645	6.7		77,694	6.9
Manufacturing		32,988	2.9		30,325	2.7
Agriculture		41,366	3.6		41,217	3.7
Other		218,670	19.0		215,891	19.2
Total commercial related loans		965,010	83.9		936,414	83.4
Residential mortgages		68,418	5.9		70,094	6.2
Home equity		86,136	7.5		86,408	7.7
Other		30,583	2.7		30,295	2.7
Total consumer related loans		185,137	16.1		186,797	16.6
Total loans	$	1,150,147	100.0	$	1,123,211	100.0



				Special
(dollars in thousands)		Pass		Mention		Substandard		Nonaccrual		Total
March 31, 2016
Builder & developer	$	131,096	$	6,888	$	3,847	$	92	$	141,923
Commercial real estate investor		203,806		388		5,822		0		210,016
Residential real estate investor		150,934		6,605		863		411		158,813
Hotel/Motel		83,178		0		0		411		83,589
Wholesale & retail		69,121		8,496		0		28		77,645
Manufacturing		29,586		2,776		626		0		32,988
Agriculture		40,627		349		0		390		41,366
Other		215,757		1,284		862		767		218,670
Total commercial related loans		924,105		26,786		12,020		2,099		965,010
Residential mortgage		68,121		0		97		200		68,418
Home equity		85,711		74		0		351		86,136
Other		30,189		118		129		147		30,583
Total consumer related loans		184,021		192		226		698		185,137
Total loans	$	1,108,126	$	26,978	$	12,246	$	2,797	$	1,150,147

December 31, 2015
Builder & developer	$	122,919	$	6,775	$	3,873	$	411	$	133,978
Commercial real estate investor		185,621		396		5,957		20		191,994
Residential real estate investor		153,072		6,601		874		597		161,144
Hotel/Motel		83,751		0		0		420		84,171
Wholesale & retail		69,973		7,678		0		43		77,694
Manufacturing		26,705		2,990		630		0		30,325
Agriculture		40,795		0		0		422		41,217
Other		212,971		1,131		855		934		215,891
Total commercial related loans		895,807		25,571		12,189		2,847		936,414
Residential mortgage		69,930		0		97		67		70,094
Home equity		85,690		516		0		202		86,408
Other		29,973		75		130		117		30,295
Total consumer related loans		185,593		591		227		386		186,797
Total loans	$	1,081,400	$	26,162	$	12,416	$	3,233	$	1,123,211



	With No Allowance				With A Related Allowance						Total
	Recorded		Unpaid		Recorded		Unpaid		Related		Recorded		Unpaid
(dollars in thousands)	Investment		Principal		Investment		Principal		Allowance		Investment		Principal
March 31, 2016
Builder & developer	$	3,939	$	4,074	$	0	$	0	$	0	$	3,939	$	4,074
Commercial real estate investor		5,822		5,837		0		0		0		5,822		5,837
Residential real estate investor		462		1,186		812		854		192		1,274		2,040
Hotel/Motel		411		411		0		0		0		411		411
Wholesale & retail		293		293		0		0		0		293		293
Manufacturing		626		626		0		0		0		626		626
Agriculture		0		0		390		390		263		390		390
Other commercial		1,629		1,744		0		0		0		1,629		1,744
Total impaired commercial related loans		13,182		14,171		1,202		1,244		455		14,384		15,415
Residential mortgage		297		339		0		0		0		297		339
Home equity		351		391		0		0		0		351		391
Other consumer		276		293		0		0		0		276		293
Total impaired consumer related loans		924		1,023		0		0		0		924		1,023
Total impaired loans	$	14,106	$	15,194	$	1,202	$	1,244	$	455	$	15,308	$	16,438

December 31, 2015
Builder & developer	$	4,284	$	4,917	$	0	$	0	$	0	$	4,284	$	4,917
Commercial real estate investor		5,977		5,991		0		0		0		5,977		5,991
Residential real estate investor		649		1,199		822		864		142		1,471		2,063
Hotel/Motel		420		420		0		0		0		420		420
Wholesale & retail		309		309		0		0		0		309		309
Manufacturing		630		630		0		0		0		630		630
Agriculture		0		0		422		422		263		422		422
Other commercial		1,789		1,904		0		0		0		1,789		1,904
Total impaired commercial related loans		14,058		15,370		1,244		1,286		405		15,302		16,656
Residential mortgage		164		188		0		0		0		164		188
Home equity		202		242		0		0		0		202		242
Other consumer		247		265		0		0		0		247		265
Total impaired consumer related loans		613		695		0		0		0		613		695
Total impaired loans	$	14,671	$	16,065	$	1,244	$	1,286	$	405	$	15,915	$	17,351



	With No Related Allowance						With A Related Allowance						Total
	Average		Total		Cash Basis		Average		Total		Cash Basis		Average		Total		Cash Basis
	Recorded		Interest		Interest		Recorded		Interest		Interest		Recorded		Interest		Interest
(dollars in thousands)	Investment		Income		Income		Investment		Income		Income		Investment		Income		Income
Three months ended March 31, 2016
Builder & developer	$	4,111	$	59	$	0	$	0	$	0	$	0	$	4,111	$	59	$	0
Commercial real estate investor		5,899		76		0		0		0		0		5,899		76		0
Residential real estate investor		555		5		0		817		7		0		1,372		12		0
Hotel/Motel		416		2		2		0		0		0		416		2		2
Wholesale & retail		301		3		0		0		0		0		301		3		0
Manufacturing		628		10		0		0		0		0		628		10		0
Agriculture		0		0		0		406		0		0		406		0		0
Other commercial		1,709		18		4		0		0		0		1,709		18		4
Total impaired commercial related loans		13,619		173		6		1,223		7		0		14,842		180		6
Residential mortgage		230		0		0		0		0		0		230		0		0
Home equity		277		1		1		0		0		0		277		1		1
Other consumer		261		3		2		0		0		0		261		3		2
Total impaired consumer related loans		768		4		3		0		0		0		768		4		3
Total impaired loans	$	14,387	$	177	$	9	$	1,223	$	7	$	0	$	15,610	$	184	$	9

Three months ended March 31, 2015
Builder & developer	$	3,946	$	60	$	1	$	2,045	$	0	$	0	$	5,991	$	60	$	1
Commercial real estate investor		4,474		296		249		1,876		32		32		6,350		328		281
Residential real estate investor		1,077		16		0		795		(3)		0		1,872		13		0
Hotel/Motel		515		3		3		0		0		0		515		3		3
Wholesale & retail		392		5		2		0		0		0		392		5		2
Manufacturing		652		10		0		0		0		0		652		10		0
Agriculture		0		0		0		428		7		0		428		7		0
Other commercial		1,299		24		2		237		0		0		1,536		24		2
Total impaired commercial related loans		12,355		414		257		5,381		36		32		17,736		450		289
Residential mortgage		175		2		3		0		0		0		175		2		3
Home equity		125		0		0		0		0		0		125		0		0
Other consumer		390		6		4		0		0		0		390		6		4
Total impaired consumer related loans		690		8		7		0		0		0		690		8		7
Total impaired loans	$	13,045	$	422	$	264	$	5,381	$	36	$	32	$	18,426	$	458	$	296



					≥ 90 Days
	30-59		60-89		Past Due				Total Past
	Days		Days		and				Due and				Total
(dollars in thousands)	Past Due		Past Due		Accruing		Nonaccrual		Nonaccrual		Current		Loans
March 31, 2016
Builder & developer	$	570	$	0	$	307	$	92	$	969	$	140,954	$	141,923
Commercial real estate investor		215		0		0		0		215		209,801		210,016
Residential real estate investor		0		0		0		411		411		158,402		158,813
Hotel/Motel		0		0		0		411		411		83,178		83,589
Wholesale & retail		119		138		0		28		285		77,360		77,645
Manufacturing		0		0		0		0		0		32,988		32,988
Agriculture		0		0		200		390		590		40,776		41,366
Other		0		0		193		767		960		217,710		218,670
Total commercial related loans		904		138		700		2,099		3,841		961,169		965,010
Residential mortgage		271		0		79		200		550		67,868		68,418
Home equity		156		54		75		351		636		85,500		86,136
Other		150		59		12		147		368		30,215		30,583
Total consumer related loans		577		113		166		698		1,554		183,583		185,137
Total loans	$	1,481	$	251	$	866	$	2,797	$	5,395	$	1,144,752	$	1,150,147

December 31, 2015
Builder & developer	$	398	$	308	$	0	$	411	$	1,117	$	132,861	$	133,978
Commercial real estate investor		216		396		0		20		632		191,362		191,994
Residential real estate investor		0		304		0		597		901		160,243		161,144
Hotel/Motel		0		0		0		420		420		83,751		84,171
Wholesale & retail		0		119		0		43		162		77,532		77,694
Manufacturing		0		0		0		0		0		30,325		30,325
Agriculture		0		0		0		422		422		40,795		41,217
Other		324		0		198		934		1,456		214,435		215,891
Total commercial related loans		938		1,127		198		2,847		5,110		931,304		936,414
Residential mortgage		0		0		249		67		316		69,778		70,094
Home equity		485		71		0		202		758		85,650		86,408
Other		171		163		37		117		488		29,807		30,295
Total consumer related loans		656		234		286		386		1,562		185,235		186,797
Total loans	$	1,594	$	1,361	$	484	$	3,233	$	6,672	$	1,116,539	$	1,123,211