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Loans and Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2012

Receivables [Abstract]

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

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

		September 30,				December 31,
		2012				2011
Commercial real estate-mortgage:
Owner-occupied		$	61,229			$	62,999
All other			65,501				63,058
Consumer real estate-mortgage			71,050				70,543
Construction and land development			33,612				31,031
Commercial and industrial			40,012				37,458
Consumer and other			2,416				2,676
Total loans			273,820				267,765
Less: Allowance for loan losses			(5,280	)			(7,400	)
Loans, net		$	268,540			$	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 September 30, 2012 and December 31, 2011, is summarized in the tables below (amounts in thousands):

September 30, 2012		Commercial				Consumer				Construction				Commercial
		Real Estate-				Real Estate-				and Land				and				Consumer
		Mortgage				Mortgage				Development				Industrial				and Other				Total
Performing loans		$	114,969			$	68,533			$	32,660			$	37,027			$	2,416			$	255,605
Impaired loans			11,761				2,517				952				2,985				-				18,215
Total		$	126,730			$	71,050			$	33,612			$	40,012			$	2,416			$	273,820

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 September 30, 2012 and December 31, 2011 (amounts in thousands):

September 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		$	919			$	863			$	319			$	-			$	9			$	2,110
Impaired loans			2,193				324				446				207				-				3,170
Total		$	3,112			$	1,187			$	765			$	207			$	9			$	5,280

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 nine month period ending Septembere 30, 2012 and year ending December 31, 2011, by loan classification (amounts in thousands):

September 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			(951	)			(811	)			(732	)			(72	)			(18	)			(2,584	)
Recovery of charge-offs			66				26				140				121				11				364
Provision for loan losses			440				(546	)			530				(324	)			-				100
Ending balance		$	3,112			$	1,187			$	765			$	207			$	9			$	5,280

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 September 30, 2012 and December 31, 2011 (amounts in thousands):

September 30, 2012		Commercial				Consumer				Construction				Commercial
		Real Estate-				Real Estate-				and Land				and				Consumer
		Mortgage				Mortgage				Development				Industrial				and Other				Total
Pass		$	108,433			$	57,659			$	29,147			$	36,134			$	2,261			$	233,634
Special mention			5,961				7,003				2,820				710				149				16,643
Substandard			575				3,871				693				183				6				5,328
Substandard-impaired			11,761				2,517				952				2,985				-				18,215
		$	126,730			$	71,050			$	33,612			$	40,012			$	2,416			$	273,820

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 September 30, 2012 and December 31, 2011 (in thousands):

														For the quarter ended
		At September 30, 2012												September 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		$	5,565			$	5,595			$	-			$	4,627			$	103
Consumer real estate – mortgage			1,764				3,596				-				1,490				66
Construction and land development			246				253				-				505				4
Commercial and industrial			2,224				2,251				-				2,422				19
Total		$	9,799			$	11,695			$	-			$	9,044			$	192
Impaired loans with a valuation allowance:
Commercial real estate – mortgage		$	6,196			$	7,645			$	2,193			$	7,574			$	75
Consumer real estate – mortgage			753				753				324				3,817				8
Construction and land development			706				706				446				686				13
Commercial and industrial			761				761				207				565				27
Total		$	8,416			$	9,865			$	3,170			$	12,642			$	123
Total impaired loans		$	18,215			$	21,560			$	3,170			$	21,686			$	315

														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 September 30, 2012 and December 31, 2011 (dollars in thousands):

September 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		$	1,026			$	-			$	2,438			$	3,464			$	57,765			$	61,229
All other			1,081				-				2,178				3,259				62,242				65,501
Consumer real estate-mortgage			1,075				-				737				1,812				69,238				71,050
Construction and land development			250				-				3				253				33,359				33,612
Commercial and industrial			243				-				2,614				2,857				37,155				40,012
Consumer and other			144				-				1				145				2,271				2,416
Total		$	3,819			$	-			$	7,971			$	11,790			$	262,030			$	273,820

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 nine month period ending September 30, 2012 (amounts in thousands):

						Pre-Modification				Post-Modification
						Outstanding				Outstanding
						Recorded				Recorded
			Number of Contracts			Investment				Investment
Commercial real estate-mortgage			2			$	4,233			$	4,233
Consumer real estate-mortgage			1				65				65
Construction and land development			3				1,178				1,178
Commercial and industrial			4				2,408				2,408

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