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Loans and Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2014

Receivables [Abstract]

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

At September 30, 2014 and December 31, 2013, loans are summarized as follows (in thousands):

		September 30,			December 31,
		2014			2013
Commercial real estate-mortgage:
Owner-occupied		$	71,986		$	65,747
All other			72,163			64,052
Consumer real estate-mortgage			75,651			76,315
Construction and land development			32,547			41,597
Commercial and industrial			43,253			38,999
Consumer and other			2,790			2,730
Total loans			298,390			289,440
Less: Allowance for loan losses			(3,474)			(3,203)
Loans, net		$	294,916		$	286,237

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

The composition of loans by loan classification for impaired and performing loan status at September 30, 2014 and December 31, 2013, is summarized in the tables below (amounts in thousands):

September 30, 2014		Commercial			Consumer			Construction			Commercial
		Real Estate-			Real Estate-			and Land			and			Consumer
		Mortgage			Mortgage			Development			Industrial			and Other			Total
Performing loans		$	138,921		$	73,195		$	32,184		$	41,805		$	2,790		$	288,895
Impaired loans			5,228			2,456			363			1,448			-			9,495
Total		$	144,149		$	75,651		$	32,547		$	43,253		$	2,790		$	298,390

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

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 September 30, 2014 and December 31, 2013 (amounts in thousands):

September 30, 2014		Commercial			Consumer			Construction			Commercial
		Real Estate-			Real Estate-			and Land			and			Consumer
Allowance related to:		Mortgage			Mortgage			Development			Industrial			and Other			Total
Performing loans		$	1,258		$	1,302		$	27		$	425		$	73		$	3,085
Impaired loans			259			34			-			96			-			389
Total		$	1,517		$	1,336		$	27		$	521		$	73		$	3,474

December 31, 2013		Commercial			Consumer			Construction			Commercial
		Real Estate-			Real Estate-			and Land			and			Consumer
Allowance related to:		Mortgage			Mortgage			Development			Industrial			and Other			Total
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

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 September 30, 2014 and year ending December 31, 2013, by loan classification (amounts in thousands):

September 30, 2014		Commercial			Consumer			Construction			Commercial
		Real Estate-			Real Estate-			and Land			and			Consumer
		Mortgage			Mortgage			Development			Industrial			and Other			Total
Beginning balance		$	1,549		$	938		$	319		$	352		$	45		$	3,203
Charged-off loans			(432)			(767)			(31)			(75)			(44)			(1,349)
Recovery of charge-offs			138			307			576			45			39			1,105
Provision for (reallocation of) loan losses			262			858			(837)			199			33			515
Ending balance		$	1,517		$	1,336		$	27		$	521		$	73		$	3,474

December 31, 2013		Commercial			Consumer			Construction			Commercial
		Real Estate-			Real Estate-			and Land			and			Consumer
		Mortgage			Mortgage			Development			Industrial			and Other			Total
Beginning balance		$	2,549		$	1,528		$	1,241		$	809		$	14		$	6,141
Charged-off loans			(1,879)			(842)			(1,193)			(699)			(96)			(4,709)
Recovery of charge-offs			68			241			1,058			99			5			1,471
Provision for (reallocation of) loan losses			811			11			(787)			143			122			300
Ending balance		$	1,549		$	938		$	319		$	352		$	45		$	3,203

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, 2014 and December 31, 2013 (amounts in thousands):

September 30, 2014		Commercial			Consumer			Construction			Commercial
		Real Estate-			Real Estate-			and Land			and			Consumer
		Mortgage			Mortgage			Development			Industrial			and Other			Total
Pass		$	135,399		$	70,489		$	31,840		$	38,333		$	2,790		$	278,851
Special mention			3,158			1,660			269			3,312			-			8,399
Substandard			5,592			3,502			438			1,608			-			11,140
		$	144,149		$	75,651		$	32,547		$	43,253		$	2,790		$	298,390

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

Impaired Financing Receivables [Table Text Block]

The following tables present summary information pertaining to impaired loans by loan classification as of September 30, 2014 and December 31, 2013 (amounts in thousands):

											For the quarter ended
		At September 30, 2014									September 30, 2014
					Unpaid						Average			Interest
		Recorded			Principal			Related			Recorded			Income
		Investment			Balance			Allowance			Investment			Recognized
Impaired loans without a valuation allowance:
Commercial real estate – mortgage		$	4,797		$	4,839		$	-		$	5,225		$	182
Consumer real estate – mortgage			1,806			1,821			-			1,991			89
Construction and land development			362			375			-			366			18
Commercial and industrial			1,104			1,147			-			1,318			32
Total			8,069			8,182			-			8,900			321
Impaired loans with a valuation allowance:
Commercial real estate – mortgage			431			440			259			725			18
Consumer real estate – mortgage			650			831			34			908			32
Construction and land development			-			-			-			-			-
Commercial and industrial			345			345			96			379			33
Total			1,426			1,616			389			2,012			83
Total impaired loans		$	9,495		$	9,798		$	389		$	10,912		$	404

											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
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
Total			3,895			3,996			564			6,996			261
Total impaired loans		$	13,790		$	14,056		$	564		$	16,537		$	780

Past Due Financing Receivables [Table Text Block]

The following tables present an aged analysis of past due loans as of September 30, 2014 and December 31, 2013 (amounts in thousands):

September 30, 2014		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		$	746		$	-		$	320		$	1,066		$	70,920		$	71,986
All other			30			-			-			30			72,133			72,163
Consumer real estate-mortgage			853			-			1,979			2,832			72,819			75,651
Construction and land development			407			-			42			449			32,098			32,547
Commercial and industrial			808			-			1,259			2,067			41,186			43,253
Consumer and other			2			-			-			2			2,788			2,790
Total		$	2,846		$	-		$	3,600		$	6,446		$	291,944		$	298,390

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

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 ended September 30, 2013 (amounts in thousands):

					Pre-Modification			Post-Modification
					Outstanding			Outstanding
					Recorded			Recorded
September 30, 2013		Number of Contracts			Investment			Investment
Commercial real estate-mortgage			2		$	2,073		$	2,073
Consumer real estate-mortgage			1			66			66
Construction and land development			3			898			898
Commercial and industrial			3			2,389			2,389

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