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1114927_12_item7_p76_s0 | 1114927_11_item7_p81_s0 | Consumer loans, whether unsecured or secured are primarily susceptible to three risks; non-payment due to diminished or lost income, over-extension of credit, a lack of borrower s cash flow to sustain payments, and shortfall in collateral value. | Residential mortgage loans, which are secured by real estate, are primarily susceptible to three risks; non-payment due to diminished or lost income, over-extension of credit, a lack of borrower s cash flow to sustain payments, and shortfalls in collateral value. | 2 | [
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1114927_13_item7_p108_s1 | 1114927_12_item7_p105_s1 | Such advances mature in 0.5 years at a weighted average interest rate of 4.13% at December 31, 2011. | Maturity was 0.5 years at a weighted average interest rate of 4.13% at December 31, 2011. | 2 | [
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1114927_13_item7_p121_s0 | 1114927_12_item7_p115_s0 | Federal funds are used primarily as a short-term investment to provide liquidity for funding of loan commitments or to accommodate seasonal deposit fluctuations. | As with Federal Funds, due from interest bearing accounts are used primarily as a short-term investment to provide liquidity for funding of loan commitments or to accommodate seasonal deposit fluctuations. | 2 | [
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1114927_13_item7_p119_s0 | 1114927_12_item7_p117_s0 | As with Federal Funds, due from interest bearing accounts are used primarily as a short-term investment to provide liquidity for funding of loan commitments or to accommodate seasonal deposit fluctuations. | Federal funds are used primarily as a short-term investment to provide liquidity for funding of loan commitments or to accommodate seasonal deposit fluctuations. | 2 | [
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1114927_13_item7_p130_s6 | 1114927_12_item7_p127_s6 | The decrease in 2011 was due, for the most part, to decreased sales volume of loans held-for-sale. | The increase in 2012 was due, for the most part, to increased sales volume of loans held-for-sale. | 2 | [
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1114927_13_item7_p59_s0 | 1114927_12_item7_p57_s0 | As shown in the comparative figures for loan mix during 2011 and 2010, total loans decreased as a result of decreases in commercial real estate loans, agriculture loans, residential mortgage loans, residential construction loans and consumer loans, which were partially offset by an increase in commercial loans. | As shown in the comparative figures for loan mix during 2012 and 2011, total loans increased as a result of increases in commercial real estate loans, agriculture loans and residential construction loans, which were partially offset by decreases in residential mortgage loans, commercial loans and consumer loans. | 2 | [
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1114927_13_item7_p89_s1 | 1114927_12_item7_p78_s1 | This may be driven by, among other things, industry changes, geographic business changes, changes in the individual financial capacity of the business owner, general economic conditions and changes in business cycles. | This may be exacerbated by, among other things, industry changes, changes in the individual financial capacity of the business owner, general economic conditions and changes in business cycles, as well as changing weather conditions. | 2 | [
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1114927_13_item7_p81_s1 | 1114927_12_item7_p86_s1 | This may be exacerbated by, among other things, industry changes, changes in the individual financial capacity of the business owner, general economic conditions and changes in business cycles, as well as changing weather conditions. | This may be driven by, among other things, industry changes, geographic business changes, changes in the individual financial capacity of the business owner, general economic conditions and changes in business cycles. | 2 | [
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1114927_13_item7_p79_s0 | 1114927_12_item7_p91_s0 | Consumer loans, whether unsecured or secured are primarily susceptible to three risks; non-payment due to diminished or lost income, over-extension of credit, a lack of borrower s cash flow to sustain payments, and shortfall in collateral value. | Residential mortgage loans, which are secured by real estate, are primarily susceptible to three risks; non-payment due to diminished or lost income, over-extension of credit, a lack of borrower s cash flow to sustain payments, and shortfalls in collateral value. | 2 | [
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1114927_14_item7_p114_s2 | 1114927_13_item7_p108_s3 | The weighted average interest rate paid was 4.10% in 2012 and 4.09% in 2011. | The weighted average interest rate paid was 0% in 2013 and 4.10% in 2012. | 2 | [
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1114927_14_item7_p129_s1 | 1114927_13_item7_p124_s1 | The decrease in total interest expense from 2012 to 2011 was due to decreases in interest rates paid on deposits, decreases in the volume of time deposits and decreases in the volume of borrowed funds, which was partially offset by increases in the volume of interest-bearing transaction deposits and savings and money m... | The decrease in total interest expense was due to decreases in interest rates paid on deposits, decreases in the volume of time deposits and decreases in the volume of borrowed funds, which was partially offset by increases in the volume of interest-bearing transaction deposits and savings and money market accounts. | 2 | [
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1114927_14_item7_p138_s4 | 1114927_13_item7_p133_s2 | The increase in commissions expense was due to an increase in real estate mortgage and investment services activity. | The decrease in commissions expense was due to a decrease in real estate mortgage and investment services activity. | 2 | [
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1114927_14_item7_p139_s9 | 1114927_13_item7_p134_s6 | The increase in advertising costs was due to increases in printed materials and related costs. | The decrease in advertising costs was due to decreases in printed materials and related costs. | 2 | [
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1114927_14_item7_p45_s2 | 1114927_13_item7_p38_s4 | The amendments in this ASU are to be applied retrospectively and are effective for fiscal years, and interim periods within those years, beginning after December 15, 2011. | The amendments are effective for fiscal years, and interim periods within those years, beginning after December 15, 2013. | 2 | [
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1114927_14_item7_p100_s0 | 1114927_13_item7_p79_s0 | Residential mortgage loans, which are secured by real estate, are primarily susceptible to three risks; non-payment due to diminished or lost income, over-extension of credit, a lack of borrower s cash flow to sustain payments, and shortfalls in collateral value. | Consumer loans, whether unsecured or secured are primarily susceptible to three risks; non-payment due to diminished or lost income, over-extension of credit, a lack of borrower s cash flow to sustain payments, and shortfall in collateral value. | 2 | [
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1114927_14_item7_p85_s0 | 1114927_13_item7_p94_s0 | Consumer loans, whether unsecured or secured are primarily susceptible to three risks; non-payment due to diminished or lost income, over-extension of credit, a lack of borrower s cash flow to sustain payments, and shortfall in collateral value. | Residential mortgage loans, which are secured by real estate, are primarily susceptible to three risks; non-payment due to diminished or lost income, over-extension of credit, a lack of borrower s cash flow to sustain payments, and shortfalls in collateral value. | 2 | [
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1114927_15_item7_p134_s2 | 1114927_14_item7_p132_s2 | Going forward into the first half of 2014, it is Bank management s belief that there will be continued downward pressure on net interest margin due to the unstable rate environment. | Going forward into the first half of 2015, it is Bank management s belief that there will be continued downward pressure on net interest margin due to the FRB s monetary policies and market conditions. | 2 | [
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1114927_15_item7_p160_s2 | 1114927_14_item7_p156_s2 | Other comprehensive loss of $2.2 million consists of unrealized losses on investment securities available-for-sale and retirement plan equity adjustments. | Other comprehensive gain of $1.1 million consists of unrealized gains on investment securities available-for-sale and retirement plan equity adjustments. | 2 | [
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1114927_15_item7_p40_s3 | 1114927_14_item7_p49_s6 | The amendments are effective for a public business entity for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. | The amendments in this ASU are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. | 2 | [
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1114927_16_item7_p149_s8 | 1114927_15_item7_p139_s4 | The increase in 2014 was primarily due to an increase in the number of securities sold. | The increase in 2015 was primarily due to an increase in the number of properties sold in 2015. | 2 | [
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1114927_16_item7_p152_s4 | 1114927_15_item7_p142_s3 | The decrease in contingent compensation was due to the decreased performance results of the Company when compared with budgeted goals for the year. | The increase in contingent compensation was due to the increased performance results of the Company when compared with budgeted goals for the year. | 2 | [
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1114927_17_item7_p96_s1 | 1114927_16_item7_p108_s1 | This may be exacerbated by, among other things, industry changes, changes in the individual financial capacity of the business owner, general economic conditions and changes in business cycles, as well as changing weather conditions. | This may be driven by, among other things, industry changes, geographic business changes, changes in the individual financial capacity of the business owner, general economic conditions and changes in business cycles. | 2 | [
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1114927_17_item7_p102_s0 | 1114927_16_item7_p111_s2 | Problem commercial loans are generally identified by periodic review of financial information that may include financial statements, tax returns, and payment history of the borrower. | Problem construction loans are generally identified by periodic review of financial information that may include financial statements, tax returns and payment history of the borrower. | 2 | [
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1114927_17_item7_p94_s0 | 1114927_16_item7_p113_s0 | Consumer loans, whether unsecured or secured, are primarily susceptible to four risks: non-payment due to diminished or lost income, over-extension of credit, a lack of borrower's cash flow to sustain payments, and shortfall in collateral value. | Residential mortgage loans, which are secured by real estate, are primarily susceptible to three risks; non-payment due to diminished or lost income, over-extension of credit, a lack of borrower's cash flow to sustain payments, and shortfalls in collateral value. | 2 | [
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1114927_17_item7_p128_s2 | 1114927_16_item7_p132_s2 | The $2,425,000 increase in the Bank's net interest income in 2015 from 2014 was due primarily to the effects of higher loan volumes, higher loan fee volumes, and lower deposit liabilities interest rates, which was partially offset by lower loan interest rates, lower return on investment securities, lower investment sec... | The $4,524,000 increase in the Bank's net interest income in 2016 from 2015 was due primarily to the effects of higher loan volumes, higher investment securities volumes, and higher loan interest rates, which was partially offset by lower return on investment securities. | 2 | [
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1114927_17_item7_p135_s0 | 1114927_16_item7_p139_s1 | As with Federal Funds, due from interest bearing accounts are used primarily as a short-term investment to provide liquidity for funding of loan commitments or to accommodate seasonal deposit fluctuations. | Federal funds are used primarily as a short-term investment to provide liquidity for funding of loan commitments or to accommodate seasonal deposit fluctuations. | 2 | [
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1114927_17_item7_p146_s0 | 1114927_16_item7_p149_s0 | Other operating income consisted primarily of service charges on deposit accounts, net gains on sales of investment securities, net realized gains on loans held-for-sale, and other income. | Non-interest income consisted primarily of service charges on deposit accounts, net gains on sales of investment securities, net realized gains on loans held-for-sale, and other income. | 2 | [
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1114927_17_item7_p146_s9 | 1114927_16_item7_p149_s10 | The decrease in 2015 was due, for the most part, to decreases in investment and brokerage income, fiduciary activities income, and an increase in loss on sale of bank premises and equipment, which was partially offset by increases in mortgage brokerage income, loan servicing income, and debit card income. | The decrease in 2016 was due, for the most part, to decreases in investment and brokerage income, loan servicing income, fiduciary activities income, and debit card income, which was partially offset by an increase in mortgage brokerage income. | 2 | [
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1114927_17_item7_p146_s3 | 1114927_16_item7_p149_s4 | The decrease in 2015 was primarily due to a decrease in the number of securities sold. | The decrease in 2016 was primarily due to a decrease in fair value of securities sold. | 2 | [
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1114927_17_item7_p146_s7 | 1114927_16_item7_p149_s4 | The decrease in 2015 was primarily due to a decrease in the number of securities sold. | The decrease in 2016 was primarily due to a decrease in the number of properties sold in 2016. | 2 | [
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1114927_17_item7_p146_s5 | 1114927_16_item7_p149_s6 | The increase in 2015 was due, for the most part, to increased sales volume of loans held-for-sale. | The increase in 2016 was due, for the most part, to increased pricing of loans held-for-sale. | 2 | [
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1114927_17_item7_p147_s0 | 1114927_16_item7_p150_s0 | Other operating expenses consisted primarily of salaries and employee benefits, occupancy and equipment expense, data processing expense, stationery and supplies expense, advertising and other expenses. | Non-interest expenses consisted primarily of salaries and employee benefits, occupancy and equipment expense, data processing expense, stationery and supplies expense, advertising and other expenses. | 2 | [
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1114927_17_item7_p148_s0 | 1114927_16_item7_p151_s0 | Following is an analysis of the increase or decrease in the components of other operating expenses (dollars in thousands) during the periods specified: | Following is an analysis of the increase or decrease in the components of non-interest expenses (dollars in thousands) during the periods specified: | 2 | [
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1114927_17_item7_p150_s9 | 1114927_16_item7_p153_s10 | The increase in other expenses was primarily due to increases in loan collection expenses. | The increase in other expenses was primarily due to increases in legal expenses. | 2 | [
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1114927_17_item7_p149_s3 | 1114927_16_item7_p153_s3 | The decrease in contingent compensation was due to the decreased performance results of the Company when compared with budgeted goals for the year. | The increase in contingent compensation was due to the increased performance results of the Company when compared with budgeted goals for the year. | 2 | [
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