Loans (Tables)

9 Months Ended

Sep. 30, 2016

Loans [Abstract]

Schedule Of Loan Portfolio Composition

		September 30,	% Total		December 31,	% Total
(dollars in thousands)		2016	Loans		2015	Loans
Builder & developer	$	128,996	10.7	$	133,978	11.9
Commercial real estate investor		229,619	19.0		191,994	17.1
Residential real estate investor		175,768	14.6		161,144	14.3
Hotel/Motel		82,714	6.8		84,171	7.5
Wholesale & retail		88,422	7.3		77,694	6.9
Manufacturing		39,327	3.3		30,325	2.7
Agriculture		48,105	4.0		41,217	3.7
Other		223,954	18.5		215,891	19.2
Total commercial related loans		1,016,905	84.2		936,414	83.4
Residential mortgages		69,845	5.8		70,094	6.2
Home equity		91,468	7.6		86,408	7.7
Other		29,624	2.4		30,295	2.7
Total consumer related loans		190,937	15.8		186,797	16.6
Total loans	$	1,207,842	100.0	$	1,123,211	100.0

Summary Of Loan Risk Ratings By Loan Class

				Special
(dollars in thousands)		Pass		Mention		Substandard		Nonaccrual		Total
September 30, 2016
Builder & developer	$	118,625	$	6,445	$	3,542	$	384	$	128,996
Commercial real estate investor		222,173		1,494		5,952		0		229,619
Residential real estate investor		169,863		4,192		1,710		3		175,768
Hotel/Motel		82,353		0		0		361		82,714
Wholesale & retail		79,769		8,653		0		0		88,422
Manufacturing		33,946		4,763		618		0		39,327
Agriculture		46,295		802		0		1,008		48,105
Other		216,411		6,404		876		263		223,954
Total commercial related loans		969,435		32,753		12,698		2,019		1,016,905
Residential mortgage		69,625		0		99		121		69,845
Home equity		91,085		71		0		312		91,468
Other		29,361		72		129		62		29,624
Total consumer related loans		190,071		143		228		495		190,937
Total loans	$	1,159,506	$	32,896	$	12,926	$	2,514	$	1,207,842
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

Summary Of Impaired Loans

	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
September 30, 2016
Builder & developer	$	3,542	$	3,678	$	384	$	384	$	200	$	3,926	$	4,062
Commercial real estate investor		5,952		5,967		0		0		0		5,952		5,967
Residential real estate investor		1,713		2,438		0		0		0		1,713		2,438
Hotel/Motel		361		361		0		0		0		361		361
Wholesale & retail		262		262		0		0		0		262		262
Manufacturing		618		618		0		0		0		618		618
Agriculture		636		636		372		372		263		1,008		1,008
Other commercial		956		956		183		298		31		1,139		1,254
Total impaired commercial related loans		14,040		14,916		939		1,054		494		14,979		15,970
Residential mortgage		220		289		0		0		0		220		289
Home equity		312		312		0		0		0		312		312
Other consumer		191		191		0		0		0		191		191
Total impaired consumer related loans		723		792		0		0		0		723		792
Total impaired loans	$	14,763	$	15,708	$	939	$	1,054	$	494	$	15,702	$	16,762

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

The table below presents a summary of average impaired loans and related interest income that was included in net income for the three and nine months ended September 30, 2016 and 2015. 

	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 September 30, 2016
Builder & developer	$	3,722	$	56	$	0	$	192	$	0	$	0	$	3,914	$	56	$	0
Commercial real estate investor		5,854		74		0		0		0		0		5,854		74		0
Residential real estate investor		1,086		14		0		255		0		0		1,341		14		0
Hotel/Motel		371		0		0		0		0		0		371		0		0
Wholesale & retail		269		3		0		0		0		0		269		3		0
Manufacturing		620		10		0		0		0		0		620		10		0
Agriculture		636		16		16		376		0		0		1,012		16		16
Other commercial		954		14		0		183		0		0		1,137		14		0
Total impaired commercial related loans		13,512		187		16		1,006		0		0		14,518		187		16
Residential mortgage		253		1		1		0		0		0		253		1		1
Home equity		312		1		1		0		0		0		312		1		1
Other consumer		192		3		1		0		0		0		192		3		1
Total impaired consumer related loans		757		5		3		0		0		0		757		5		3
Total impaired loans	$	14,269	$	192	$	19	$	1,006	$	0	$	0	$	15,275	$	192	$	19
Three months ended September 30, 2015
Builder & developer	$	4,128	$	93	$	30	$	1,445	$	0	$	0	$	5,573	$	93	$	30
Commercial real estate investor		4,935		83		33		1,106		0		0		6,041		83		33
Residential real estate investor		776		5		0		998		7		0		1,774		12		0
Hotel/Motel		470		6		6		0		0		0		470		6		6
Wholesale & retail		385		4		0		0		0		0		385		4		0
Manufacturing		638		10		0		0		0		0		638		10		0
Agriculture		0		0		0		422		0		0		422		0		0
Other commercial		1,935		14		0		0		0		0		1,935		14		0
Total impaired commercial related loans		13,267		215		69		3,971		7		0		17,238		222		69
Residential mortgage		159		1		0		0		0		0		159		1		0
Home equity		172		0		0		0		0		0		172		0		0
Other consumer		343		4		1		0		0		0		343		4		1
Total impaired consumer related loans		674		5		1		0		0		0		674		5		1
Total impaired loans	$	13,941	$	220	$	70	$	3,971	$	7	$	0	$	17,912	$	227	$	70

	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
Nine months ended September 30, 2016
Builder & developer	$	3,917	$	174	$	0	$	96	$	0	$	0	$	4,013	$	174	$	0
Commercial real estate investor		5,876		224		0		0		0		0		5,876		224		0
Residential real estate investor		821		38		0		536		0		0		1,357		38		0
Hotel/Motel		393		2		2		0		0		0		393		2		2
Wholesale & retail		285		8		0		0		0		0		285		8		0
Manufacturing		624		29		0		0		0		0		624		29		0
Agriculture		318		17		17		391		0		0		709		17		17
Other commercial		1,332		62		20		91		0		0		1,423		62		20
Total impaired commercial related loans		13,566		554		39		1,114		0		0		14,680		554		39
Residential mortgage		246		1		1		0		0		0		246		1		1
Home equity		295		3		2		0		0		0		295		3		2
Other consumer		226		9		4		0		0		0		226		9		4
Total impaired consumer related loans		767		13		7		0		0		0		767		13		7
Total impaired loans	$	14,333	$	567	$	46	$	1,114	$	0	$	0	$	15,447	$	567	$	46
Nine months ended September 30, 2015
Builder & developer	$	4,037	$	214	$	32	$	1,745	$	0	$	0	$	5,782	$	214	$	32
Commercial real estate investor		4,704		562		416		1,491		0		0		6,195		562		416
Residential real estate investor		926		19		1		897		19		0		1,823		38		1
Hotel/Motel		492		11		11		0		0		0		492		11		11
Wholesale & retail		389		14		2		0		0		0		389		14		2
Manufacturing		645		30		0		0		0		0		645		30		0
Agriculture		0		0		0		425		13		13		425		13		13
Other commercial		1,617		81		31		118		0		0		1,735		81		31
Total impaired commercial related loans		12,810		931		493		4,676		32		13		17,486		963		506
Residential mortgage		167		4		0		0		0		0		167		4		0
Home equity		149		0		0		0		0		0		149		0		0
Other consumer		367		13		6		0		0		0		367		13		6
Total impaired consumer related loans		683		17		6		0		0		0		683		17		6
Total impaired loans	$	13,493	$	948	$	499	$	4,676	$	32	$	13	$	18,169	$	980	$	512

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

					≥ 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
September 30, 2016
Builder & developer	$	0	$	0	$	0	$	384	$	384	$	128,612	$	128,996
Commercial real estate investor		211		0		0		0		211		229,408		229,619
Residential real estate investor		132		203		93		3		431		175,337		175,768
Hotel/Motel		0		0		0		361		361		82,353		82,714
Wholesale & retail		134		0		0		0		134		88,288		88,422
Manufacturing		0		0		0		0		0		39,327		39,327
Agriculture		0		0		0		1,008		1,008		47,097		48,105
Other		0		0		0		263		263		223,691		223,954
Total commercial related loans		477		203		93		2,019		2,792		1,014,113		1,016,905
Residential mortgage		0		433		68		121		622		69,223		69,845
Home equity		235		40		0		312		587		90,881		91,468
Other		67		132		12		62		273		29,351		29,624
Total consumer related loans		302		605		80		495		1,482		189,455		190,937
Total loans	$	779	$	808	$	173	$	2,514	$	4,274	$	1,203,568	$	1,207,842
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