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Loans and Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2012

Receivables [Abstract]

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

At June 30, 2012 and December 31, 2011, loans are summarized as follows (in thousands):

		June 30,				December 31,
		2012				2011
Commercial real estate-mortgage:
Owner-occupied		$	60,068			$	62,999
All other			61,671				63,058
Consumer real estate-mortgage			72,044				70,543
Construction and land development			29,310				31,031
Commercial and industrial			38,644				37,458
Consumer and other			2,012				2,676
Total loans			263,749				267,765
Less: Allowance for loan losses			(6,029	)			(7,400	)
Loans, net		$	257,720			$	260,365

Schedule Of Allowance For Loan Losses For Impaired and Performing Loans Receivable [Table Text Block]

The composition of loans by loan classification for impaired and performing loan status at June 30, 2012 and December 31, 2011, is summarized in the tables below (amounts in thousands):

June 30, 2012		Commercial				Consumer				Construction				Commercial
		Real Estate-				Real Estate-				and Land				and				Consumer
		Mortgage				Mortgage				Development				Industrial				and Other				Total
Performing loans		$	111,306			$	66,525			$	28,347			$	35,817			$	2,012			$	244,007
Impaired loans			10,433				5,519				963				2,827				-				19,742
Total		$	121,739			$	72,044			$	29,310			$	38,644			$	2,012			$	263,749

December 31, 2011		Commercial				Consumer				Construction				Commercial
		Real Estate-				Real Estate-				and Land				and				Consumer
		Mortgage				Mortgage				Development				Industrial				and Other				Total
Performing loans		$	112,064			$	64,026			$	29,323			$	34,259			$	2,676			$	242,348
Impaired loans			13,993				6,517				1,708				3,199				-				25,417
Total		$	126,057			$	70,543			$	31,031			$	37,458			$	2,676			$	267,765

Schedule Of Impaired and Performing Loans Receivable [Table Text Block]

The following tables show the allowance for loan losses allocation by loan classification for impaired and performing loans as of June 30, 2012 and December 31, 2011 (amounts in thousands):

June 30, 2012		Commercial				Consumer				Construction				Commercial
		Real Estate-				Real Estate-				and Land				and				Consumer
Allowance related to:		Mortgage				Mortgage				Development				Industrial				and Other				Total
Performing loans		$	871			$	1,271			$	409			$	111			$	10			$	2,672
Impaired loans			1,932				781				459				185				-				3,357
Total		$	2,803			$	2,052			$	868			$	296			$	10			$	6,029

December 31, 2011		Commercial				Consumer				Construction				Commercial
		Real Estate-				Real Estate-				and Land				and				Consumer
Allowance related to:		Mortgage				Mortgage				Development				Industrial				and Other				Total
Performing loans		$	952			$	1,264			$	174			$	18			$	16			$	2,424
Impaired loans			2,605				1,254				653				464				-				4,976
Total		$	3,557			$	2,518			$	827			$	482			$	16			$	7,400

Allowance for Credit Losses on Financing Receivables [Table Text Block]

The following tables detail the changes in the allowance for loan losses for the six month period ending June 30, 2012 and year ending December 31, 2011, by loan classification (amounts in thousands):

June 30, 2012		Commercial				Consumer				Construction				Commercial
		Real Estate-				Real Estate-				and Land				And				Consumer
		Mortgage				Mortgage				Development				Industrial				and Other				Total
Beginning balance		$	3,557			$	2,518			$	827			$	482			$	16			$	7,400
Charged-off loans			(597	)			(214	)			(698	)			(57	)			(16	)			(1,582	)
Recovery of charge-offs			43				13				85				59				11				211
Provision for loan losses			(200	)			(265	)			654				(188	)			(1	)			-
Ending balance		$	2,803			$	2,052			$	868			$	296			$	10			$	6,029

December 31, 2011		Commercial				Consumer				Construction				Commercial
		Real Estate-				Real Estate-				and Land				And				Consumer
		Mortgage				Mortgage				Development				Industrial				and Other				Total
Beginning balance		$	1,793			$	3,111			$	3,238			$	925			$	65			$	9,132
Charged-off loans			(1,238	)			(1,613	)			(232	)			(56	)			(29	)			(3,148	)
Recovery of charge-offs			259				65				532				94				21				971
Provision for loan losses			2,743				955				(2,711	)			(501	)			(41	)			445
Ending balance		$	3,557			$	2,518			$	827			$	482			$	16			$	7,400

Financing Receivable Credit Quality Indicators [Table Text Block]

The following tables outline the amount of each loan classification and the amount categorized into each risk rating as of June 30, 2012 and December 31, 2011 (amounts in thousands):

June 30, 2012		Commercial				Consumer				Construction				Commercial
		Real estate-				Real Estate-				and Land				and				Consumer
		Mortgage				Mortgage				Development				Industrial				and Other				Total
Pass		$	103,611			$	56,086			$	24,562			$	34,690			$	1,987			$	220,936
Special mention			6,894				6,497				2,911				935				21				17,258
Substandard			801				3,942				874				192				4				5,813
Substandard-impaired			10,433				5,519				963				2,827				-				19,742
		$	121,739			$	72,044			$	29,310			$	38,644			$	2,012			$	263,749

December 31, 2011		Commercial				Consumer				Construction				Commercial
		Real Estate-				Real Estate-				and Land				and				Consumer
		Mortgage				Mortgage				Development				Industrial				and Other				Total
Pass		$	101,161			$	55,160			$	27,207			$	31,426			$	2,648			$	217,602
Special mention			9,805				5,122				804				2,620				7				18,358
Substandard			1,098				3,744				1,312				213				21				6,388
Substandard-impaired			11,493				6,517				1,708				3,199				-				22,917
Doubtful			2,500				-				-				-				-				2,500
		$	126,057			$	70,543			$	31,031			$	37,458			$	2,676			$	267,765

Impaired Financing Receivables [Table Text Block]

After the Bank’s independent loan review department completes the loan grade assignment, a loan impairment analysis is performed on loans graded substandard or worse. The following tables present summary information pertaining to impaired loans by loan classification as of June 30, 2012 and December 31, 2011 (in thousands):

														For the quarter ended
		At June 30, 2012												June 30, 2012
						Unpaid								Average				Interest
		Recorded				Principal				Related				Recorded				Income
		Investment				Balance				Allowance				Investment				Recognized
Impaired loans without a valuation allowance:
Commercial real estate – mortgage		$	2,675			$	2,692			$	-			$	4,314			$	98
Consumer real estate – mortgage			1,918				2,601				-				1,399				96
Construction and land development			244				251				-				591				9
Commercial and industrial			2,342				2,351				-				2,488				7
Total		$	7,179			$	7,895			$	-			$	8,792			$	210
Impaired loans with a valuation allowance:
Commercial real estate – mortgage		$	7,758			$	7,770			$	1,932			$	8,034			$	246
Consumer real estate – mortgage			3,601				3,702				781				4,838				98
Construction and land development			719				719				459				679				25
Commercial and industrial			485				485				185				500				30
Total		$	12,563			$	12,676			$	3,357			$	14,051			$	399
Total impaired loans		$	19,742			$	20,571			$	3,357			$	22,843			$	609

														For the year ended
		At December 31, 2011												December 31, 2011
						Unpaid								Average				Interest
		Recorded				Principal				Related				Recorded				Income
		Investment				Balance				Allowance				Investment				Recognized
Impaired loans without a valuation allowance:
Commercial real estate – mortgage		$	4,354			$	4,354			$	-			$	5,378			$	330
Consumer real estate – mortgage			322				322				-				3,589				21
Construction and land development			829				1,023				-				1,099				59
Commercial and industrial			2,691				2,691				-				1,207				165
Total		$	8,196			$	8,390			$	-			$	11,273			$	575
Impaired loans with a valuation allowance:
Commercial real estate – mortgage		$	9,639			$	9,694			$	2,605			$	5,912			$	645
Consumer real estate – mortgage			6,195				6,257				1,254				5,333				294
Construction and land development			879				879				653				294				62
Commercial and industrial			508				508				464				784				65
Total		$	17,221			$	17,338			$	4,976			$	12,323			$	1,066
Total impaired loans		$	25,417			$	25,728			$	4,976			$	23,596			$	1,641

Past Due Financing Receivables [Table Text Block]

The following tables present an aged analysis of past due loans as of June 30, 2012 and December 31, 2011 (dollars in thousands):

June 30, 2012		30-89 Days				Past Due 90
		Past Due and				Days or More								Total				Current				Total
		Accruing				and Accruing				Nonaccrual				Past Due				Loans				Loans
Commercial real estate-mortgage:
Owner-occupied		$	1,195			$	-			$	895			$	2,090			$	57,978			$	60,068
All other			253				-				919				1,172				60,499				61,671
Consumer real estate-mortgage			821				-				2,745				3,566				68,478				72,044
Construction and land development							-				174				174				29,136				29,310
Commercial and industrial			205				-				2,391				2,596				36,048				38,644
Consumer and other			22				-								22				1,990				2,012
Total		$	2,495			$	-			$	7,124			$	9,620			$	254,129			$	263,749

December 31, 2011		30-89 Days				Past Due 90
		Past Due and				Days or More								Total				Current				Total
		Accruing				and Accruing				Nonaccrual				Past Due				Loans				Loans
Commercial real estate-mortgage:
Owner-occupied		$	4,791			$	-			$	63			$	4,854			$	58,145			$	62,999
All other			497				-				2,500				2,997				60,061				63,058
Consumer real estate-mortgage			1,163				-				3,641				4,804				65,739				70,543
Construction and land development			103				-				1,622				1,725				29,306				31,031
Commercial and industrial			1,578				-				42				1,620				35,838				37,458
Consumer and other			26				-				14				40				2,636				2,676
Total		$	8,158			$	-			$	7,882			$	16,040			$	251,725			$	267,765

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

The following table presents a summary of loans that were modified as troubled debt restructurings during the six month ending period June 30, 2012 (amounts in thousands):

						Pre-Modification				Post-Modification
						Outstanding				Outstanding
						Recorded				Recorded
			Number of Contracts			Investment				Investment
Consumer real estate-mortgage			1			$	65			$	65
Construction and land development			3				1,178				1,178
Commercial and industrial			3				2,389				2,389

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