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Note 6 - Loans And Related Allowance For Loan Losses (Tables)

9 Months Ended

Sep. 30, 2012

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

		September 30, 2012				December 31, 2011
Commercial and industrial		$	65,323			$	59,185
Real estate - construction			21,322				21,545
Real estate - mortgage:
Residential			205,433				208,139
Commercial			112,867				108,502
Consumer installment			4,230				4,509
			409,175				401,880
Less allowance for loan losses			(7,173	)			(6,819	)
Net loans		$	402,002			$	395,061

Schedule of Financing Receivable by Segment [Table Text Block]

										Real Estate- Mortgage
September 30, 2012		Commercial and industrial				Real estate- construction				Residential				Commercial				Consumer installment				Total
Individually evaluated for impairment		$	4,414			$	4,383			$	3,734			$	7,021			$	-			$	19,553
Collectively evaluated for impairment			60,909				16,939				201,699				105,846				4,230				389,622
Total loans		$	65,323			$	21,322			$	205,433			$	112,867			$	4,230			$	409,175

										Real estate- Mortgage
December 31, 2011		Commercial and industrial				Real estate- construction				Residential				Commercial				Consumer installment				Total
Individually evaluated for impairment		$	4,492			$	867			$	4,882			$	6,491			$	-			$	16,732
Collectively evaluated for impairment			54,693				20,678				203,257				102,011				4,509				385,148
Total loans		$	59,185			$	21,545			$	208,139			$	108,502			$	4,509			$	401,880

										Real Estate- Mortgage
September 30, 2012		Commercial and industrial				Real estate- construction				Residential				Commercial				Consumer installment				Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	1,096			$	442			$	482			$	955			$	-			$	2,975
Collectively evaluated for impairment			608				3				2,471				1,100				16				4,198
Total ending allowance balance		$	1,704			$	445			$	2,953			$	2,055			$	16			$	7,173

										Real Estate- Mortgage
December 31, 2011		Commercial and industrial				Real estate- construction				Residential				Commercial				Consumer installment				Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	595			$	237			$	685			$	185			$	-			$	1,702
Collectively evaluated for impairment			701				201				3,046				1,121				48				5,117
Total ending allowance balance		$	1,296			$	438			$	3,731			$	1,306			$	48			$	6,819

Impaired Financing Receivables [Table Text Block]

September 30, 2012
Impaired Loans
		Recorded Investment				Unpaid Principal Balance				Related Allowance
With no related allowance recorded:
Commercial and industrial		$	978			$	978			$	-
Real estate - construction			203				203				-
Real estate - mortgage:
Residential			1,859				1,863				-
Commercial			1,306				1,311				-
Consumer installment			30				30				-
Total		$	4,376			$	4,385			$	-
With an allowance recorded:
Commercial and industrial		$	2,896			$	2,899			$	840
Real estate - construction			3,986				3,986				442
Real estate - mortgage:
Residential			2,451				2,458				556
Commercial			3,524				3,533				1,137
Total		$	12,857			$	12,876			$	2,975
Total:
Commercial and industrial		$	3,874			$	3,877			$	840
Real estate - construction			4,189				4,189				442
Real estate - mortgage:
Residential			4,310				4,321				556
Commercial			4,830				4,844				1,137
Consumer installment			30				30				-
Total		$	17,233			$	17,261			$	2,975

December 31, 2011
Impaired Loans
		Recorded Investment				Unpaid Principal Balance				Related Allowance
With no related allowance recorded:
Commercial and industrial		$	1,172			$	1,172			$	-
Real estate - construction			4,250				4,250				-
Real estate - mortgage:
Residential			3,188				3,193				-
Commercial			2,528				2,536				-
Consumer installment			24				24				-
Total		$	11,162			$	11,175			$	-
With an allowance recorded:
Commercial and industrial		$	658			$	658			$	203
Real estate - construction			271				271				125
Real estate - mortgage:
Residential			1,813				1,817				547
Commercial			4,332				4,344				827
Total		$	7,074			$	7,090			$	1,702
Total:
Commercial and industrial		$	1,830			$	1,831			$	203
Real estate - construction			4,521				4,521				125
Real estate - mortgage:
Residential			5,001				5,010				547
Commercial			6,861				6,880				827
Consumer installment			24				24				-
Total		$	18,237			$	18,266			$	1,702

Additional Information on Impaired Financing Receivables [Table Text Block]

		For the Three Months Ended September 30, 2012								For the Three Months Ended September 30, 2011
		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
Total:
Commercial and industrial		$	2,535			$	139			$	3,295			$	11
Real estate - construction			2,305				-				630				15
Real estate - mortgage:
Residential			3,622				85				997				23
Commercial			3,597				200				4,899				86
Consumer installment			13				1				25				-

		For the Nine Months Ended September 30, 2012								For the Nine Months Ended September 30, 2011
		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
Total:
Commercial and industrial		$	2,170			$	170			$	3,266			$	93
Real estate - construction			2,400				113				624				15
Real estate - mortgage:
Residential			3,764				169				793				68
Commercial			3,985				324				4,081				188
Consumer installment			27				2				13				4

Financing Receivable Credit Quality Indicators [Table Text Block]

		Pass				Special Mention				Substandard				Doubtful				Total Loans
September 30, 2012
Commercial and industrial		$	60,439			$	407			$	4,477			$	-			$	65,323
Real estate - construction			16,913				-				4,409				-				21,322
Real estate - mortgage:
Residential			191,710				868				12,855				-				205,433
Commercial			104,030				2,176				6,661				-				112,867
Consumer installment			4,208				2				20				-				4,230
Total		$	377,300			$	3,453			$	28,422			$	-			$	409,175

December 31, 2011		Pass				Special Mention				Substandard				Doubtful				Loans
Commercial and industrial		$	53,645			$	1,104			$	4,363			$	73			$	59,185
Real estate - construction			20,883				-				662				-				21,545
Real estate - mortgage:
Residential			192,534				1,100				14,505				-				208,139
Commercial			100,536				443				7,523				-				108,502
Consumer installment			4,495				6				8				-				4,509
Total		$	372,093			$	2,653			$	27,061			$	73			$	401,880

Past Due Financing Receivables [Table Text Block]

						Still Accruing
		Current				30-59 Days Past Due				60-89 Days Past Due				90 Days+ Past Due				Total Past Due				Non- Accrual				Total Loans
September 30, 2012
Commercial and industrial		$	62,529			$	1,221			$	372			$	10			$	1,603			$	1,191			$	65,323
Real estate - construction			20,647				-				-				-				-				675				21,322
Real estate - mortgage:
Residential			195,547				885				363				-				1,248				8,638				205,433
Commercial			109,932				140				97				79				316				2,619				112,867
Consumer installment			4,148				69				1				-				70				12				4,230
Total		$	392,803			$	2,315			$	833			$	89			$	3,237			$	13,135			$	409,175

						Still Accruing
		Current				30-59 Days Past Due				60-89 Days Past Due				90 Days+ Past Due				Total Past Due				Non- Accrual				Total Loans
December 31, 2011
Commercial and industrial		$	57,291			$	258			$	16			$	44			$	318			$	1,576			$	59,185
Real estate - construction			20,862				20				-				-				20				663				21,545
Real estate - mortgage:
Residential			193,732				2,624				863				275				3,762				10,645				208,139
Commercial			104,086				83				412				-				495				3,921				108,502
Consumer installment			4,408				60				41				-				101				-				4,509
Total		$	380,379			$	3,045			$	1,332			$	319			$	4,696			$	16,805			$	401,880

Schedule of Credit Losses for Financing Receivables, Current [Table Text Block]

		Commercial and industrial				Real estate- construction				Real estate- residential mortgage				Real estate- commercial mortgage				Consumer installment				Total
ALL balance at December 31, 2011		$	1,296			$	438			$	3,731			$	1,306			$	48			$	6,819
Charge-offs			(88	)			-				(668	)			(123	)			(62	)			(941	)
Recoveries			70				-				15				-				17				102
Provision			426				7				(125	)			872				13				1,193
ALL balance at September 30, 2012		$	1,704			$	445			$	2,953			$	2,055			$	16			$	7,173

		Commercial and industrial				Real estate- construction				Real estate- residential mortgage				Real estate- commercial mortgage				Consumer installment				Total
ALL balance at December 31, 2010		$	962			$	188			$	3,434			$	1,543			$	94			$	6,221
Charge-offs			(503	)			(6	)			(461	)			(266	)			(11	)			(1,247	)
Recoveries			75				-				18				-				22				115
Provision			384				75				1,372				616				38				2,485
ALL balance at September 30, 2011		$	918			$	257			$	4,363			$	1,893			$	143			$	7,574

		Commercial and industrial				Real estate- construction				Real estate- residential mortgage				Real estate- commercial mortgage				Consumer installment				Total
ALL balance at June 30, 2012		$	1,626			$	504			$	4,109			$	1,492			$	21			$	7,752
Charge-offs			(60	)			-				(570	)			(70	)			(40	)			(740	)
Recoveries			1				-				12				-				5				18
Provision			137				(59	)			(598	)			633				30				143
ALL balance at September 30, 2012		$	1,704			$	445			$	2,953			$	2,055			$	16			$	7,173

		Commercial and industrial				Real estate- construction				Real estate- residential mortgage				Real estate- commercial mortgage				Consumer installment				Total
ALL balance at June 30, 2011		$	957			$	229			$	3,791			$	1,921			$	129			$	7,027
Charge-offs			(232	)							(121	)			(86	)							(439	)
Recoveries			49								15								2				66
Provision			144				28				678				58				12				920
ALL balance at September 30, 2011		$	918			$	257			$	4,363			$	1,893			$	143			$	7,574

Additional Information Regarding Troubled Debt Restructurings [Table Text Block]

		Number of Contracts												Pre-Modification Outstanding
Troubled Debt Restructurings		Rate Forgiveness				Other				Total				Recorded Investment
Commercial and industrial			-				2				2			$	13
Real estate- mortgage:
Residential			1				6				7				619
Consumer Installment			-				1				1				6

		Number of Contracts
Troubled Debt Restructurings		Rate Forgiveness				Other				Total				Pre-Modification Outstanding Recorded Investment
Commercial and industrial			1				8				9			$	243
Real estate- mortgage:
Residential			2				8				10				946
Consumer Installment			-				2				2				11

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

Troubled Debt Restructurings subsequently defaulted		Number of Contracts				Recorded Investment
Commercial and industrial			1			$	30
Real estate- mortgage:
Residential			1				20

Troubled Debt Restructurings subsequently defaulted		Number of Contracts				Recorded Investment
Commercial and industrial			2			$	60
Real estate- mortgage:
Residential			1				20

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