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Note 4 - Loans And Related Allowance For Loan Losses (Tables)

12 Months Ended

Dec. 31, 2012

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

		2012				2011
Commercial and industrial		$	62,188			$	59,185
Real estate - construction			22,522				21,545
Real estate - mortgage:
Residential			203,872				208,139
Commercial			115,734				108,502
Consumer installment			4,117				4,509
			408,433				401,880
Less allowance for loan losses			(7,779	)			(6,819	)
Net loans		$	400,654			$	395,061

Schedule of Financing Receivable by Segment [Table Text Block]

										Real Estate- Mortgage
December 31, 2012		Commercial and industrial				Real estate- construction				Residential				Commercial				Consumer installment				Total
Loans:
Individually evaluated for impairment		$	4,592			$	3,993			$	5,761			$	6,914			$	28			$	21,288
Collectively evaluated for impairment			57,596				18,529				198,111				108,820				4,089				387,145
Total loans		$	62,188			$	22,522			$	203,872			$	115,734			$	4,117			$	408,433

										Real estate- Mortgage
December 31, 2011		Commercial and industrial				Real estate- construction				Residential				Commercial				Consumer installment				Total
Loans:
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

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

										Real Estate- Mortgage
December 31, 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		$	1,189			$	933			$	600			$	960			$	6			$	3,688
Collectively evaluated for impairment			543				190				2,272				1,031				55				4,091
Total ending allowance balance		$	1,732			$	1,123			$	2,872			$	1,991			$	61			$	7,779

										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

		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			(230	)			(135	)			(785	)			(123	)			(64	)			(1,337	)
Recoveries			71				-				31				-				27				129
Provision			595				820				(105	)			808				50				2,168
ALL balance at December 31, 2012		$	1,732			$	1,123			$	2,872			$	1,991			$	61			$	7,779

		Commercial and industrial				Real estate- construction				Real estate- residential mortgage				Real estate- commercial mortgage				Consumer installment				Total
ALL balance at December 31, 2010		$	1,234			$	356			$	3,392			$	1,143			$	96			$	6,221
Charge-offs			(568	)			(6	)			(1,862	)			(265	)			(11	)			(2,712	)
Recoveries			76				-				122				-				27				225
Provision			554				88				2,079				428				(64	)			3,085
ALL balance at December 31, 2011		$	1,296			$	438			$	3,731			$	1,306			$	48			$	6,819

		Commercial and industrial				Real estate- construction				Real estate- residential mortgage				Real estate- commercial mortgage				Consumer installment				Total
ALL balance at December 31, 2009		$	864			$	-			$	2,816			$	1,198			$	59			$	4,937
Charge-offs			(450	)			-				(1,433	)			(428	)			(59	)			(2,370	)
Recoveries			40				-				-				-				34				74
Provision			780				356				2,009				373				62				3,580
ALL balance at December 31, 2010		$	1,234			$	356			$	3,392			$	1,143			$	96			$	6,221

Impaired Financing Receivables [Table Text Block]

Impaired Loans
		Recorded Investment				Unpaid Principal Balance				Related Allowance
With no related allowance recorded:
Commercial and industrial		$	1,230			$	1,229			$	-
Real estate - construction			308				308				-
Real estate - mortgage:
Residential			2,716				2,729				-
Commercial			4,143				4,164				-
Consumer installment			11				11				-
Total		$	8,408			$	8,441			$	-
With an allowance recorded:
Commercial and industrial		$	3,362			$	3,367			$	1,189
Real estate - construction			3,685				3,685				933
Real estate - mortgage:
Residential			3,045				3,054				600
Commercial			2,771				2,776				960
Consumer installment			17				17				6
Total		$	12,880			$	12,899			$	3,688
Total:
Commercial and industrial		$	4,592			$	4,596			$	1,189
Real estate - construction			3,993				3,993				933
Real estate - mortgage:
Residential			5,761				5,783				600
Commercial			6,914				6,940				960
Consumer installment			28				28				6
Total		$	21,288			$	21,340			$	3,688

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		$	465			$	465			$	196
Real estate - construction			271				271				125
Real estate - mortgage:
Residential			-				-				-
Commercial			2,555				2,560				551
Total		$	3,291			$	3,296			$	872
Total:
Commercial and industrial		$	1,637			$	1,637			$	196
Real estate - construction			4,521				4,521				125
Real estate - mortgage:
Residential			3,188				3,193				-
Commercial			5,083				5,096				551
Consumer installment			24				24				-
Total		$	14,453			$	14,471			$	872

		As of December 31, 2012								As of December 31, 2011								As of December 31, 2010
		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
Total:
Commercial and industrial		$	2,776			$	348			$	1,637			$	58			$	3,149			$	13
Real estate - construction			2,798				156				4,521				216				618				1
Real estate - mortgage:
Residential			4,263				338				3,188				157				594				-
Commercial			4,717				543				5,083				97				3,320				69
Consumer installment			27				3				24				2				-				-

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

		Modifications As of December 31, 2012
														Pre-Modification
		Number of Contracts												Outstanding
Troubled Debt Restructurings		Rate Forgiveness				Other				Total				Recorded Investment
Commercial and industrial			1				12				13			$	489
Real estate- construction:			-				-				-				-
Real estate- mortgage:
Residential			2				7				9				921
Commercial			-				1				1				156
Consumer Installment			-				2				2				11

		Modifications As of December 31, 2011
														Pre-Modification
		Number of Contracts												Outstanding
Troubled Debt Restructurings		Rate Forgiveness				Other				Total				Recorded Investment
Commercial and industrial			-				8				8			$	586
Real estate- construction:			-				2				2				3,883
Real estate- mortgage:
Residential			-				10				10				1,639
Commercial			-				2				2				1,625
Consumer Installment			-				2				2				24

		Modifications As of December 31, 2010
														Pre-Modification
		Number of Contracts												Outstanding
Troubled Debt Restructurings		Rate Forgiveness				Other				Total				Recorded Investment
Commercial and industrial			-				7				7			$	668
Real estate- mortgage:
Residential			-				8				8				1,230
Commercial			-				3				3				2,025
Consumer Installment			-				3				3				43

Troubled Debt Restructurings That Subsequently Defaulted [Table Text Block]

Troubled Debt Restructurings subsequently defaulted		Number of Contracts				Recorded Investment
Commercial and industrial			6			$	256
Real estate- construction:			1				3,622
Real estate- mortgage:
Residential			2				89
Commercial			-				-
Consumer Installment			1				5

Troubled Debt Restructurings subsequently defaulted		Number of Contracts				Recorded Investment
Commercial and industrial			3			$	134
Real estate- construction:			-				-
Real estate- mortgage:
Residential			-				-
Commercial			-				-
Consumer Installment			2				28

Troubled Debt Restructurings subsequently defaulted		Number of Contracts				Recorded Investment
Commercial and industrial			2			$	174
Real estate- mortgage:
Residential			3				203
Commercial			-				-
Consumer Installment			-				-

Financing Receivable Credit Quality Indicators [Table Text Block]

		Pass				Special Mention				Substandard				Doubtful				Total Loans
December 31, 2012
Commercial and industrial		$	59,390			$	678			$	2,061			$	59			$	62,188
Real estate - construction			17,601				-				4,921				-				22,522
Real estate - mortgage:
Residential			190,967				758				12,147				-				203,872
Commercial			106,509				1,928				7,297				-				115,734
Consumer installment			4,084				-				33				-				4,117
Total		$	378,551			$	3,364			$	26,459			$	59			$	408,433

December 31, 2011		Pass				Special Mention				Substandard				Doubtful				Total 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
December 31, 2012
Commercial and industrial		$	60,428			$	441			$	63			$	348			$	852			$	908			$	62,188
Real estate - construction			22,158				-				-				-				-				364				22,522
Real estate - mortgage:
Residential			191,349				2,614				1,401				90				4,105				8,418				203,872
Commercial			113,023				509				97				-				606				2,105				115,734
Consumer installment			4,074				25				-				-				25				18				4,117
Total		$	391,032			$	3,589			$	1,561			$	438			$	5,588			$	11,813			$	408,433

						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

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