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Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2014

Receivables [Abstract]

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

At December 31, 2014 and 2013, the Bank's loans consist of the following (in thousands):

		2014			2013
Commercial real estate-mortgage:
Owner-occupied		$	68,581		$	65,747
All other			74,587			64,052
Consumer real estate-mortgage			76,907			76,315
Construction and land development			34,449			41,597
Commercial and industrial			37,863			38,999
Consumer and other			2,977			2,730
Total loans			295,364			289,440
Less: Allowance for loan losses			(3,495)			(3,203)
Loans, net		$	291,869		$	286,237

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

		2014			2013			2012
An analysis of the allowance for loan losses follows:
Balance, beginning of year		$	3,203,158		$	6,141,281		$	7,400,049
Provision for loan losses			515,000			300,000			430,000
Charge-offs			(1,581,992)			(4,708,605)			(2,868,576)
Recoveries			1,358,963			1,470,482			1,179,808
Balance, end of year		$	3,495,129		$	3,203,158		$	6,141,281

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, 2014 and 2013, is summarized in the tables below (in thousands):

As of December 31, 2014:

		Commercial			Consumer			Construction			Commercial
		Real Estate-			Real Estate-			and Land			and			Consumer
		Mortgage			Mortgage			Development			Industrial			and Other			Total
Performing loans		$	138,711		$	74,828		$	33,696		$	36,314		$	2,977		$	286,526
Impaired loans			4,457			2,079			753			1,549			-			8,838
Total		$	143,168		$	76,907		$	34,449		$	37,863		$	2,977		$	295,364

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

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, 2014 and 2013 (in thousands):

As of December 31, 2014:

		Commercial			Consumer			Construction			Commercial
		Real Estate-			Real Estate-			and Land			and			Consumer
		Mortgage			Mortgage			Development			Industrial			and Other			Total
Allowance related to:
Performing loans		$	1,191		$	1,082		$	130		$	361		$	35		$	2,799
Impaired loans			404			15			-			277			-			696
Total		$	1,595		$	1,097		$	130		$	638		$	35		$	3,495

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

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, 2014 and 2013, by loan classification (in thousands):

As of December 31, 2014:

		Commercial			Consumer			Construction			Commercial
		Real Estate-			Real Estate-			and Land			and			Consumer
		Mortgage			Mortgage			Development			Industrial			and Other			Total
Balance, beginning of year		$	1,549		$	938		$	319		$	352		$	45		$	3,203
Provision for loan losses			360			731			(902)			336			(10)			515
Charge-offs			(470)			(896)			(58)			(108)			(50)			(1,582)
Recoveries			156			324			771			58			50			1,359
Balance, end of year		$	1,595		$	1,097		$	130		$	638		$	35		$	3,495

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

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, 2014 and 2013 (in thousands):

As of December 31, 2014:

		Commercial			Consumer			Construction			Commercial
		Real Estate-			Real Estate-			and Land			and			Consumer
		Mortgage			Mortgage			Development			Industrial			and Other			Total
Pass		$	135,586		$	72,753		$	33,201		$	32,684		$	2,977		$	277,201
Special mention			3,096			1,452			17			3,187			-			7,752
Substandard			4,486			2,702			1,231			1,992			-			10,411
		$	143,168		$	76,907		$	34,449		$	37,863		$	2,977		$	295,364

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

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 December 31, 2014, 2013, and 2012 (in thousands):

											For the Year Ended
		At December 31, 2014									December 31, 2014
					Unpaid						Average			Interest
		Recorded			Principal			Related			Recorded			Income
		Investment			Balance			Allowance			Investment			Recognized
Impaired loans without a valuation allowance:
Commercial real estate – mortgage		$	2,428		$	2,480		$	-		$	4,386		$	127
Consumer real estate – mortgage			1,738			1,742			-			1,880			114
Construction and land development			753			766			-			462			44
Commercial and industrial			1,033			1,085			-			1,186			41
Consumer and other			-			-			-			-			-
Total			5,952			6,073			-			7,914			326
Impaired loans with a valuation allowance:
Commercial real estate – mortgage			2,029			2,029			404			683			98
Consumer real estate – mortgage			341			476			15			676			24
Construction and land development			-			-			-			-			-
Commercial and industrial			516			516			277			401			52
Consumer and other			-			-			-			-			-
Total			2,886			3,021			696			1,760			174
Total impaired loans		$	8,838		$	9,094		$	696		$	9,674		$	500

											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

Past Due Financing Receivables [Table Text Block]

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

As of December 31, 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		$	664		$	-		$	496		$	1,160		$	67,421		$	68,581
All other			-			-			-			-			74,587			74,587
Consumer real estate-mortgage			419			-			1,134			1,553			75,354			76,907
Construction and land development			521			-			40			561			33,888			34,449
Commercial and industrial			54			-			1,195			1,249			36,614			37,863
Consumer and other			8			-			-			8			2,969			2,977
Total		$	1,666		$	-		$	2,865		$	4,531		$	290,833		$	295,364

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

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, 2014, 2013, and 2012 (amounts in thousands):

During the year ended December 31, 2014:

		Pre-Modification			Post-Modification
		Number of			Outstanding Recorded			Outstanding Recorded
		Contracts			Investment			Investment
Commercial real estate-mortgage			3		$	902		$	902
Consumer real estate-mortgage			1			65			65

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

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:

		2014			2013
Beginning balance		$	1,380,170		$	1,833,982
New loans			3,780,391			50,384
Repayments			(1,653,406)			(504,196)
Ending balance		$	3,507,155		$	1,380,170

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