Allowance For Loan Losses (Tables)

9 Months Ended

Sep. 30, 2016



	Allowance for Loan Losses
	July 1, 2016								September 30, 2016
(dollars in thousands)	Balance		Charge-offs		Recoveries		Provision		Balance
Builder & developer	$	2,033	$	(85)	$	0	$	141	$	2,089
Commercial real estate investor		2,586		0		0		125		2,711
Residential real estate investor		2,415		0		0		2		2,417
Hotel/Motel		844		0		0		(20)		824
Wholesale & retail		697		0		0		112		809
Manufacturing		309		0		0		63		372
Agriculture		568		0		0		24		592
Other commercial		2,107		0		1		134		2,242
Total commercial related loans		11,559		(85)		1		581		12,056
Residential mortgage		65		(45)		0		57		77
Home equity		167		0		0		5		172
Other consumer		209		(8)		4		(11)		194
Total consumer related loans		441		(53)		4		51		443
Unallocated		1,558		0		0		168		1,726
Total	$	13,558	$	(138)	$	5	$	800	$	14,225



	Allowance for Loan Losses
	July 1, 2015								September 30, 2015
(dollars in thousands)	Balance		Charge-offs		Recoveries		Provision		Balance
Builder & developer	$	1,906	$	0	$	0	$	234	$	2,140
Commercial real estate investor		2,630		0		0		(530)		2,100
Residential real estate investor		1,384		(42)		0		225		1,567
Hotel/Motel		702		0		0		183		885
Wholesale & retail		586		0		2		105		693
Manufacturing		192		0		0		52		244
Agriculture		509		0		0		18		527
Other commercial		1,523		0		0		372		1,895
Total commercial related loans		9,432		(42)		2		659		10,051
Residential mortgage		66		0		0		3		69
Home equity		158		0		0		1		159
Other consumer		153		(49)		3		70		177
Total consumer related loans		377		(49)		3		74		405
Unallocated		2,157		0		0		(233)		1,924
Total	$	11,966	$	(91)	$	5	$	500	$	12,380



	Allowance for Loan Losses
	January 1, 2016								September 30, 2016
(dollars in thousands)	Balance		Charge-offs		Recoveries		Provision		Balance
Builder & developer	$	1,934	$	(85)	$	0	$	240	$	2,089
Commercial real estate investor		2,337		0		0		374		2,711
Residential real estate investor		2,101		(487)		2		801		2,417
Hotel/Motel		837		0		0		(13)		824
Wholesale & retail		701		0		2		106		809
Manufacturing		223		(140)		0		289		372
Agriculture		548		0		0		44		592
Other commercial		2,054		(59)		1		246		2,242
Total commercial related loans		10,735		(771)		5		2,087		12,056
Residential mortgage		67		(69)		0		79		77
Home equity		161		0		0		11		172
Other consumer		261		(101)		57		(23)		194
Total consumer related loans		489		(170)		57		67		443
Unallocated		1,480		0		0		246		1,726
Total	$	12,704	$	(941)	$	62	$	2,400	$	14,225



	Allowance for Loan Losses
	January 1, 2015								September 30, 2015
(dollars in thousands)	Balance		Charge-offs		Recoveries		Provision		Balance
Builder & developer	$	2,236	$	0	$	0	$	(96)	$	2,140
Commercial real estate investor		2,204		0		0		(104)		2,100
Residential real estate investor		1,484		(585)		2		666		1,567
Hotel/Motel		671		0		0		214		885
Wholesale & retail		691		0		19		(17)		693
Manufacturing		201		0		0		43		244
Agriculture		329		0		0		198		527
Other commercial		1,554		(400)		0		741		1,895
Total commercial related loans		9,370		(985)		21		1,645		10,051
Residential mortgage		64		(40)		21		24		69
Home equity		176		(40)		0		23		159
Other consumer		216		(81)		22		20		177
Total consumer related loans		456		(161)		43		67		405
Unallocated		1,336		0		0		588		1,924
Total	$	11,162	$	(1,146)	$	64	$	2,300	$	12,380



	Allowance for Loan Losses						Loans
	Individually		Collectively				Individually		Collectively
	Evaluated For		Evaluated For				Evaluated For		Evaluated For
(dollars in thousands)	Impairment		Impairment		Balance		Impairment		Impairment		Balance
September 30, 2016
Builder & developer	$	200	$	1,889	$	2,089	$	3,926	$	125,070	$	128,996
Commercial real estate investor		0		2,711		2,711		5,952		223,667		229,619
Residential real estate investor		0		2,417		2,417		1,713		174,055		175,768
Hotel/Motel		0		824		824		361		82,353		82,714
Wholesale & retail		0		809		809		262		88,160		88,422
Manufacturing		0		372		372		618		38,709		39,327
Agriculture		263		329		592		1,008		47,097		48,105
Other commercial		31		2,211		2,242		1,139		222,815		223,954
Total commercial related		494		11,562		12,056		14,979		1,001,926		1,016,905
Residential mortgage		0		77		77		220		69,625		69,845
Home equity		0		172		172		312		91,156		91,468
Other consumer		0		194		194		191		29,433		29,624
Total consumer related		0		443		443		723		190,214		190,937
Unallocated		0		1,726		1,726		-		-		-
Total	$	494	$	13,731	$	14,225	$	15,702	$	1,192,140	$	1,207,842



December 31, 2015
Builder & developer	$	0	$	1,934	$	1,934	$	4,284	$	129,694	$	133,978
Commercial real estate investor		0		2,337		2,337		5,977		186,017		191,994
Residential real estate investor		142		1,959		2,101		1,471		159,673		161,144
Hotel/Motel		0		837		837		420		83,751		84,171
Wholesale & retail		0		701		701		309		77,385		77,694
Manufacturing		0		223		223		630		29,695		30,325
Agriculture		263		285		548		422		40,795		41,217
Other commercial		0		2,054		2,054		1,789		214,102		215,891
Total commercial related		405		10,330		10,735		15,302		921,112		936,414
Residential mortgage		0		67		67		164		69,930		70,094
Home equity		0		161		161		202		86,206		86,408
Other consumer		0		261		261		247		30,048		30,295
Total consumer related		0		489		489		613		186,184		186,797
Unallocated		0		1,480		1,480		-		-		-
Total	$	405	$	12,299	$	12,704	$	15,915	$	1,107,296	$	1,123,211



September 30, 2015
Builder & developer	$	495	$	1,645	$	2,140	$	5,461	$	128,356	$	133,817
Commercial real estate investor		0		2,100		2,100		6,032		166,773		172,805
Residential real estate investor		142		1,425		1,567		1,602		121,080		122,682
Hotel/Motel		0		885		885		446		84,298		84,744
Wholesale & retail		0		693		693		383		76,448		76,831
Manufacturing		0		244		244		636		32,469		33,105
Agriculture		263		264		527		422		37,868		38,290
Other commercial		0		1,895		1,895		1,937		201,713		203,650
Total commercial related		900		9,151		10,051		16,919		849,005		865,924
Residential mortgage		0		69		69		165		72,914		73,079
Home equity		0		159		159		203		84,714		84,917
Other consumer		0		177		177		306		31,423		31,729
Total consumer related		0		405		405		674		189,051		189,725
Unallocated		0		1,924		1,924		-		-		-
Total	$	900	$	11,480	$	12,380	$	17,593	$	1,038,056	$	1,055,649