Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2013

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

At December 31, 2013 and 2012, the Bank's loans consist of the following (in thousands):

	2013			2012
Commercial real estate-mortgage:
Owner-occupied	$	65,747		$	58,425
All other		64,052			66,747
Consumer real estate-mortgage		76,315			71,195
Construction and land development		41,597			38,557
Commercial and industrial		38,999			40,140
Consumer and other		2,730			1,927

Total loans		289,440			276,991
Less: Allowance for loan losses		(3,203	)		(6,141	)

Loans, net	$	286,237		$	270,850

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

An analysis of the allowance for loan losses follows:

	2013			2012			2011

Balance, beginning of year	$	6,141,281		$	7,400,049		$	9,132,171

Provision for loan losses		300,000			430,000			445,000
Charge-offs		(4,708,605	)		(2,868,576	)		(3,148,314	)
Recoveries		1,470,482			1,179,808			971,192

Balance, end of year	$	3,203,158		$	6,141,281		$	7,400,049

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

The composition of loans by loan classification for impaired and performing loans at December 31, 2013 and 2012, is summarized in the tables below (in thousands):

As of December 31, 2013:

	Commercial		Consumer		Construction		Commercial
	Real Estate-		Real Estate-		and Land		and		Consumer
	Mortgage		Mortgage		Development		Industrial		and Other		Total

Performing loans	$	121,817	$	72,868	$	41,228	$	37,007	$	2,730	$	275,650
Impaired loans		7,982		3,447		369		1,992		-		13,790

Total	$	129,799	$	76,315	$	41,597	$	38,999	$	2,730	$	289,440

As of December 31, 2012:

	Commercial		Consumer		Construction		Commercial
	Real Estate-		Real Estate-		and Land		and		Consumer
	Mortgage		Mortgage		Development		Industrial		and Other		Total

Performing loans	$	115,959	$	69,329	$	37,607	$	36,980	$	1,927	$	261,802
Impaired loans		9,213		1,866		950		3,160		-		15,189

Total	$	125,172	$	71,195	$	38,557	$	40,140	$	1,927	$	276,991

Schedule Of Allowance For Loan Losses For 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 December 31, 2013 and 2012 (in thousands):

As of December 31, 2013:

	Commercial		Consumer		Construction		Commercial
	Real Estate-		Real Estate-		and Land		and		Consumer
	Mortgage		Mortgage		Development		Industrial		and Other		Total
Allowance related to:
Performing loans	$	1,051	$	927	$	319	$	297	$	45	$	2,639
Impaired loans		498		11		-		55		-		564

Total	$	1,549	$	938	$	319	$	352	$	45	$	3,203

As of December 31, 2012:

	Commercial		Consumer		Construction		Commercial
	Real Estate-		Real Estate-		and Land		and		Consumer
	Mortgage		Mortgage		Development		Industrial		and Other		Total
Allowance related to:
Performing loans	$	319	$	952	$	781	$	29	$	14	$	2,095
Impaired loans		2,230		576		460		780		-		4,046

Total	$	2,549	$	1,528	$	1,241	$	809	$	14	$	6,141

Schedule Of Financing Receivable Allowance For Credit Losses [Table Text Block]

The following tables detail the changes in the allowance for loan losses during December 31, 2013 and 2012, by loan classification (in thousands):

As of December 31, 2013:

	Commercial			Consumer			Construction			Commercial
	Real Estate-			Real Estate-			and Land			and			Consumer
	Mortgage			Mortgage			Development			Industrial			and Other			Total

Balance, beginning of year	$	2,549		$	1,528		$	1,241		$	809		$	14		$	6,141
Provision for loan losses		811			11			(787	)		143			122			300
Charge-offs		(1,879	)		(842	)		(1,193	)		(699	)		(96	)		(4,709	)
Recoveries		68			241			1,058			99			5			1,471

Balance, end of year	$	1,549		$	938		$	319		$	352		$	45		$	3,203

As of December 31, 2012:

	Commercial			Consumer			Construction			Commercial
	Real Estate-			Real Estate-			and Land			and			Consumer
	Mortgage			Mortgage			Development			Industrial			and Other			Total

Balance, beginning of year	$	3,557		$	2,518		$	827		$	482		$	16		$	7,400
Provision for loan losses		(888	)		(4	)		1,051			257			14			430
Charge-offs		(958	)		(1,022	)		(782	)		(74	)		(33	)		(2,869	)
Recoveries		838			36			145			144			17			1,180

Balance, end of year	$	2,549		$	1,528		$	1,241		$	809		$	14		$	6,141

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 December 31, 2013 and 2012 (in thousands):

As of December 31, 2013:

	Commercial		Consumer		Construction		Commercial
	Real Estate-		Real Estate-		and Land		and		Consumer
	Mortgage		Mortgage		Development		Industrial		and Other		Total

Pass	$	119,398	$	67,444	$	40,850	$	33,394	$	2,730	$	263,816
Special mention		3,538		3,536		73		3,468		-		10,615
Substandard		6,863		5,335		674		2,137		-		15,009

	$	129,799	$	76,315	$	41,597	$	38,999	$	2,730	$	289,440

As of December 31, 2012:

	Commercial		Consumer		Construction		Commercial
	Real Estate-		Real Estate-		and Land		and		Consumer
	Mortgage		Mortgage		Development		Industrial		and Other		Total

Pass	$	111,313	$	57,959	$	36,802	$	36,482	$	1,904	$	244,460
Special mention		4,145		8,401		198		330		18		13,092
Substandard		9,714		4,835		1,557		3,328		5		19,439

	$	125,172	$	71,195	$	38,557	$	40,140	$	1,927	$	276,991

Impaired Financing Receivables [Table Text Block]

The following tables present summary information pertaining to impaired loans by loan classification as of December 31, 2013, 2012, and 2011 (in thousands):

							For the Year Ended
	At December 31, 2013						December 31, 2013
			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
	Investment		Balance		Allowance		Investment		Recognized
Impaired loans without a valuation allowance:
Commercial real estate – mortgage	$	5,786	$	5,854	$	-	$	4,657	$	340
Consumer real estate – mortgage		2,177		2,202		-		2,669		96
Construction and land development		369		383		-		358		23
Commercial and industrial		1,563		1,621		-		1,857		60
Consumer and other		-		-		-		-		-

Total		9,895		10,060		-		9,541		519

Impaired loans with a valuation allowance:
Commercial real estate – mortgage		2,196		2,285		498		4,869		118
Consumer real estate – mortgage		1,270		1,281		11		1,353		90
Construction and land development		-		-		-		177		-
Commercial and industrial		429		430		55		597		53
Consumer and other		-		-		-		-		-

Total		3,895		3,996		564		6,996		261

Total impaired loans	$	13,790	$	14,056	$	564	$	16,537	$	780

							For the Year Ended
	At December 31, 2012						December 31, 2012
			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
	Investment		Balance		Allowance		Investment		Recognized
Impaired loans without a valuation allowance:
Commercial real estate – mortgage	$	3,406	$	3,453	$	-	$	4,389	$	180
Consumer real estate – mortgage		513		540		-		1,538		52
Construction and land development		244		251		-		358		19
Commercial and industrial		2,111		2,155		-		2,277		55
Consumer and other		-		-		-		-		-

Total		6,274		6,399		-		8,562		306

Impaired loans with a valuation allowance:
Commercial real estate – mortgage		5,807		5,848		2,230		6,616		215
Consumer real estate – mortgage		1,353		1,353		576		2,606		61
Construction and land development		706		706		460		642		49
Commercial and industrial		1,049		1,049		780		700		132
Consumer and other		-		-		-		-		-

Total		8,915		8,956		4,046		10,564		457

Total impaired loans	$	15,189	$	15,355	$	4,046	$	19,126	$	763

							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
Consumer and other		-		-		-		-		-

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
Consumer and other		-		-		-		-		-

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 December 31, 2013 and 2012 (in thousands):

As of December 31, 2013:

	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	$	678	$	-	$	838	$	1,516	$	64,231	$	65,747
All other		867		-		44		911		63,141		64,052
Consumer real estate-mortgage		419		-		1,006		1,425		74,890		76,315
Construction and land development		50		-		47		97		41,500		41,597
Commercial and industrial		201		-		1,631		1,832		37,167		38,999
Consumer and other		35		-		-		35		2,695		2,730

Total	$	2,250	$	-	$	3,566	$	5,816	$	283,624	$	289,440

As of December 31, 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	$	2,738	$	-	$	956	$	3,694	$	54,731	$	58,425
All other		636		-		1,913		2,549		64,198		66,747
Consumer real estate-mortgage		1,858		-		616		2,474		68,721		71,195
Construction and land development		100		-		53		153		38,404		38,557
Commercial and industrial		1,227		-		2,467		3,694		36,446		40,140
Consumer and other		35		-		-		35		1,892		1,927

Total	$	6,594	$	-	$	6,005	$	12,599	$	264,392	$	276,991

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

The following tables present a summary of loans that were modified as troubled debt restructurings during the years ended December 31, 2013, 2012, and 2011 (amounts in thousands):

During the year ended December 31, 2013:

		Pre-Modification		Post-Modification
	Number of	Outstanding Recorded		Outstanding Recorded
	Contracts	Investment		Investment

Commercial real estate-mortgage	2	$	2,073	$	2,073
Consumer real estate-mortgage	2		239		239
Construction and land development	3		728		728
Commercial and industrial	3		2,389		2,389

During the year ended December 31, 2012:

		Pre-Modification		Post-Modification
	Number of	Outstanding Recorded		Outstanding Recorded
	Contracts	Investment		Investment

Commercial real estate-mortgage	5	$	5,971	$	5,971
Consumer real estate-mortgage	1		65		65
Construction and land development	3		1,178		1,178
Commercial and industrial	5		2,432		2,432

During the year ended December 31, 2011:

		Pre-Modification		Post-Modification
	Number of	Outstanding Recorded		Outstanding Recorded
	Contracts	Investment		Investment

Consumer real estate-mortgage	5	$	3,573	$	3,573
Construction and land development	2		778		778
Commercial and industrial	1		20		20

Schedule Of Financing Receivable On Subsequent Default Troubled Debt Restructurings [Table Text Block]

The Bank did not have any loans modified as troubled debt restructurings over the last twelve months that subsequently defaulted during the years ended December 31, 2013 and 2012. The following table presents those loans modified as a troubled debt restructuring over the last twelve months that subsequently defaulted during the year ended December 31, 2011 (amounts in thousands):

Consumer real estate-mortgage

Number of	Recorded
Contracts	Investment

2	$	90

Schedule Of Loan To Directors Officers and Affiliated Parties [Table Text Block]

In the ordinary course of business, the Bank has granted loans to principal officers and directors and their affiliates. Annual activity of these related party loans were as follows:

	2013			2012

Beginning balance	$	1,833,982		$	1,514,908
New loans		50,384			436,051
Repayments		(504,196	)		(116,977	)
Ending balance	$	1,380,170		$	1,833,982