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Loans Receivable and Allowance for Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2012
Loans Receivable and Allowance for Loan Losses [Abstract] |
Composition of Loans Receivable [Table Text Block] |
| Types of loans
| (dollars in thousands) September 30, 2012 December 31, 2011
Real Estate-Residential | $148,056 | 30.9% |  | $148,148 | 32.3%
Commercial | 274,081 | 57.1 |  | 262,476 | 57.3
Construction | 14,819 | 3.1 |  | 11,087 | 2.4
Commercial, financial and agricultural | 28,528 | 5.9 |  | 22,684 | 5.0
Consumer loans to individuals | 14,515 | 3.0 |  | 13,934 | 3.0
Total loans | 479,999 | 100.0% |  | 458,329 | 100.0%
Deferred fees (net) | (498) |  |  | (422) |
Allowance for loan losses | (5,341) |  |  | (5,458) |
Net loans receivable | $474,160 |  |  | $452,449 |
Changes In The Accretable Yield For Purchased Credit Impaired Loans [Table Text Block] |
Balance at beginning of period |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $171
Accretion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (71)
Reclassification and other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -
Balance at end of period |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $100
Loans Acquired And Accounted For in Accordance With ASC 310-30 [Table Text Block] |
| September 30, 2012 | December 31, 2011
| Acquired Loans with Specific Evidence of Deterioration in Credit Quality | Acquired Loans with Specific Evidence of Deterioration in Credit Quality
Outstanding Balance | $ 1,328 | $ 1,412
Carrying Amount | 1,228 | 1,246
Allowance for Loan Losses and Recorded Investment in Financing Receivables [Table Text Block] |
|  | Real Estate Loans |  |
|  | Residential |  | Commercial |  | Construction |  | Commercial Loans |  | Consumer Loans |  | Total
September 30, 2012 |  |  |  |  |  | (In thousands) |  |  |  |  |  |
Individually evaluated for impairment | $ | - | $ | 11,157 | $ | - | $ | 237 | $ | - | $ | 11,394
Loans acquired with deteriorated credit quality |  | 271 |  | 957 |  | - |  | - |  | - |  | 1,228
Collectively evaluated for impairment |  | 147,785 |  | 261,967 |  | 14,819 |  | 28,291 |  | 14,515 |  | 467,377
Total Loans | $ | 148,056 | $ | 274,081 | $ | 14,819 | $ | 28,528 | $ | 14,515 | $ | 479,999
|  |  |  | Real Estate |  |  |  |  |  |
|  | Residential |  | Commercial |  | Construction |  | Commercial Loans |  | Consumer Loans |  | Total
December 31, 2011 |  |  |  |  |  | (In thousands) |  |  |  |  |  |
Individually evaluated for impairment | $ | - | $ | 11,786 | $ | - | $ | 598 | $ | - | $ | 12,384
Loans acquired with deteriorated credit quality |  | 343 |  | 903 |  | - |  | - |  | - |  | 1,246
Collectively evaluated for impairment |  | 147,805 |  | 249,787 |  | 11,087 |  | 22,086 |  | 13,934 |  | 444,699
Total Loans | $ | 148,148 | $ | 262,476 | $ | 11,087 | $ | 22,684 | $ | 13,934 | $ | 458,329
(In thousands) |  | Residential Real Estate |  |  | Commercial Real Estate |  |  | Construction |  |  | Commercial |  |  | Consumer |  |  | Total |
Beginning balance, December 31, 2011 | $ | 1,257 |  | $ | 3,838 |  | $ | 72 |  | $ | 147 |  | $ | 144 |  | $ | 5,458 |
Charge Offs |  | (525) |  |  | (1,216) |  |  | (7) |  |  | - |  |  | (46) |  |  | (1,794) | )
Recoveries |  | 6 |  |  | 1 |  |  | - |  |  | - |  |  | 20 |  |  | 27 |
Provision Expense |  | 959 |  |  | 494 |  |  | 10 |  |  | 135 |  |  | 52 |  |  | 1,650 |
Ending balance, September 30, 2012 | $ | 1,697 |  | $ | 3,117 |  | $ | 75 |  | $ | 282 |  | $ | 170 |  | $ | 5,341 |
Ending balance individually evaluated for impairment | $ | - |  | $ | 89 |  |  | - |  |  | - |  |  | - |  | $ | 89 |
Ending balance collectively evaluated for impairment | $ | 1,697 |  | $ | 3,028 |  | $ | 75 |  | $ | 282 |  | $ | 170 |  | $ | 5,252 |
(In thousands) |  | Residential Real Estate |  |  | Commercial Real Estate |  |  | Construction |  |  | Commercial |  |  | Consumer |  |  | Total |
Beginning balance, June 30, 2012 | $ | 1,559 |  | $ | 3,691 |  | $ | 87 |  | $ | 263 |  | $ | 175 |  | $ | 5,775 |
Charge Offs |  | (217) |  |  | (1,120) |  |  | - |  |  | - |  |  | (13) |  |  | (1,350) | )
Recoveries |  | 5 |  |  | 1 |  |  | - |  |  | - |  |  | 10 |  |  | 16 |
Provision Expense |  | 350 |  |  | 545 |  |  | (12) |  |  | 19 |  |  | (2) |  |  | 900 |
Ending balance, September 30, 2012 | $ | 1,697 |  | $ | 3,117 |  | $ | 75 |  | $ | 282 |  | $ | 170 |  | $ | 5,341 |
(In thousands) |  | Residential Real Estate |  |  | Commercial Real Estate |  |  | Construction |  |  | Commercial |  |  | Consumer |  | Total |
Beginning balance, December 31, 2010 | $ | 1,167 |  | $ | 3,976 |  | $ | 110 |  | $ | 171 |  | $ | 192 | $ | 5,616 |
Charge Offs |  | (372) |  |  | (963) |  |  | - |  |  | (2) |  |  | (80) |  | (1,417) |
Recoveries |  | 25 |  |  | - |  |  | - |  |  | 5 |  |  | 41 |  | 71 |
Provision Expense |  | 333 |  |  | 782 |  |  | (29) |  |  | (20) |  |  | 9 |  | 1,075 |
Ending balance, September 30, 2011 | $ | 1,153 |  | $ | 3,795 |  | $ | 81 |  | $ | 154 |  | $ | 162 | $ | 5,345 |
Ending balance individually evaluated for impairment | $ | - |  | $ | 1,322 |  |  | - |  |  | - |  |  | - | $ | 1,322 |
Ending balance collectively evaluated for impairment | $ | 1,153 |  | $ | 2,473 |  | $ | 81 |  | $ | 154 |  | $ | 162 | $ | 4,023 |
(In thousands) |  | Residential Real Estate |  |  | Commercial Real Estate |  |  | Construction |  |  | Commercial |  |  | Consumer |  | Total |
Beginning balance, June 30, 2011 | $ | 1,096 |  | $ | 3,675 |  | $ | 91 |  | $ | 258 |  | $ | 147 | $ | 5,267 |
Charge Offs |  | (146) |  |  | (199) |  |  | - |  |  | - |  |  | (39) |  | (384) | )
Recoveries |  | 18 |  |  | - |  |  | - |  |  | - |  |  | 19 |  | 37 |
Provision Expense |  | 185 |  |  | 319 |  |  | (10) |  |  | (104) |  |  | 35 |  | 425 |
Ending balance, September 30, 2011 | $ | 1,153 |  | $ | 3,795 |  | $ | 81 |  | $ | 154 |  | $ | 162 | $ | 5,345 |
Impaired Loans and Related Interest Income by Loan Portfolio Class [Table Text Block] | The following table includes the recorded investment and unpaid principal balances for impaired loans with the associated allowance amount, if applicable.
|  | Recorded Investment |  | Unpaid Principal Balance |  | Associated Allowance |
September 30, 2012 With no related allowance recorded: |  |  |  |  | (In thousands)
Real Estate Loans |  |  |  |  |  |  |
Residential | $ | 271 | $ | 291 | $ | - |
Commercial |  | 5,585 |  | 5,665 |  | - |
Commercial Loans |  | 237 |  | 237 |  | - |
Total |  | 6,093 |  | 6,193 |  | - |
With an allowance recorded: |  |  |  |  |  |  |
Real Estate Loans |  |  |  |  |  |  |
Commercial |  | 6,529 |  | 6,529 |  | 89 |
Total |  | 6,529 |  | 6,529 |  | 89 |
Total: |  |  |  |  |  |  |
Real Estate loans |  |  |  |  |  |  |
Residential |  | 271 |  | 291 |  | - |
Commercial |  | 12,114 |  | 12,194 |  | 89 |
Commercial Loans |  | 237 |  | 237 |  | - |
Total Impaired Loans | $ | 12,622 | $ | 12,722 | $ | 89 |
|  | Recorded Investment |  | Unpaid Principal Balance |  | Associated Allowance |
December 31, 2011 With no related allowance recorded: |  |  |  | (In thousands) |
Real Estate Loans |  |  |  |  |  |  |
Residential | $ | 343 | $ | 385 | $ | - |
Commercial |  | 5,866 |  | 5,995 |  | - |
Commercial Loans |  | 598 |  | 598 |  | - |
Total |  | 6,807 |  | 6,978 |  | - |
With an allowance recorded: |  |  |  |  |  |  |
Real Estate Loans |  |  |  |  |  |  |
Commercial |  | 6,823 |  | 6,823 |  | 1,231 |
Total |  | 6,823 |  | 6,823 |  | 1,231 |
Total: |  |  |  |  |  |  |
Real Estate loans |  |  |  |  |  |  |
Residential |  | 343 |  | 385 |  | - |
Commercial |  | 12,689 |  | 12,818 |  | 1,231 |
Commercial Loans |  | 598 |  | 598 |  | - |
Total Impaired Loans | $ | 13,630 | $ | 13,801 | $ | 1,231 |
The following information for impaired loans is presented for the nine months ended September 30, 2012 and 2011:
|  | Average Recorded Investment |  |  |  | Interest Income Recognized
|  | 2012 |  | 2011 |  |  |  | 2012 |  | 2011
|  |  |  |  | (In thousands) |  |  |
Total: |  |  |  |  |  |  |  |  |  |
Real Estate loans |  |  |  |  |  |  |  |  |  |
Residential | $ | 284 | $ | - |  |  | $ | 4 | $ | -
Commercial |  | 12,937 |  | 15,454 |  |  |  | 206 |  | 320
Commercial Loans |  | 401 |  | 395 |  |  |  | - |  | 60
Total Loans | $ | 13,622 | $ | 15,849 |  |  | $ | 210 | $ | 380
The following information for impaired loans is presented for the three months ended September 30, 2012 and 2011:
|  | Average Recorded Investment |  |  |  | Interest Income Recognized
|  | 2012 |  | 2011 |  |  |  | 2012 |  | 2011
|  |  |  |  | (In thousands) |  |  |
Total: |  |  |  |  |  |  |  |  |  |
Real Estate loans |  |  |  |  |  |  |  |  |  |
Residential | $ | 272 | $ | - |  |  | $ | 2 | $ | -
Commercial |  | 12,783 |  | 15,426 |  |  |  | 60 |  | 145
Commercial Loans |  | 311 |  | 392 |  |  |  | - |  | 10
Total Loans | $ | 13,366 | $ | 15,818 |  |  | $ | 62 | $ | 155
Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating [Table Text Block] | The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard, Doubtful and Loss within the internal risk rating system as of September 30, 2012 and December 31, 2011 (in thousands):
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Total
September 30, 2012 |  |  |  |  |  |  |  |  |  |
Commercial real estate loans | $ | 247,475 | $ | 13,376 | $ | 13,230 | $ | - | $ | 274,081
Commercial loans |  | 27,930 |  | 320 |  | 278 |  | - |  | 28,528
Total | $ | 275,405 | $ | 13,696 | $ | 13,508 | $ |  | $ | 302,609
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Total |
December 31, 2011 |  |  |  |  |  |  |  |  |  |
Commercial real estate loans | $ | 237,407 | $ | 11,009 | $ | 14,060 | $ | - | $ | 262,476
Commercial loans |  | 21,598 |  | 427 |  | 659 |  | - |  | 22,684
Total | $ | 259,005 | $ | 11,436 | $ | 14,719 | $ | - | $ | 285,160
Loan Portfolio Summarized by the Past Due Status [Table Text Block] |
|  | Current |  | 31-60 Days Past Due |  | 61-90 Days Past Due |  | Greater than 90 Days Past Due and still accruing |  | Non-Accrual |  | Total Past Due and Non-Accrual |  | Total Loans
September 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real Estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | $ | 144,724 | $ | 831 | $ | 128 | $ | - | $ | 2,373 | $ | 3,332 | $ | 148,056
Commercial |  | 260,555 |  | 1,364 |  | 991 |  | 67 |  | 11,104 |  | 13,526 |  | 274,081
Construction |  | 14,799 |  | 20 |  | - |  | - |  | - |  | 20 |  | 14,819
Commercial loans |  | 28,278 |  | 13 |  | - |  | - |  | 237 |  | 250 |  | 28,528
Consumer loans |  | 14,457 |  | 53 |  | 5 |  | - |  | - |  | 58 |  | 14,515
Total | $ | 462,813 | $ | 2,281 | $ | 1,124 | $ | 67 | $ | 13,714 | $ | 17,186 | $ | 479,999
|  | Current |  | 31-60 Days Past Due |  | 61-90 Days Past Due |  | Greater than 90 Days Past Due and still accruing |  | Non-Accrual |  | Total Past Due and Non-Accrual |  | Total Loans
December 31, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real Estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | $ | 143,550 | $ | 160 | $ | 1,351 | $ | - | $ | 3,087 | $ | 4,598 | $ | 148,148
Commercial |  | 255,613 |  | 1,015 |  | 1,524 |  | - |  | 4,324 |  | 6,863 |  | 262,476
Construction |  | 10,532 |  | - |  | 555 |  | - |  | - |  | 555 |  | 11,087
Commercial loans |  | 22,086 |  | 194 |  | - |  | - |  | 404 |  | 598 |  | 22,684
Consumer loans |  | 13,835 |  | 89 |  | 10 |  | - |  | - |  | 99 |  | 13,934
Total | $ | 445,616 | $ | 1,458 | $ | 3,440 | $ | - | $ | 7,815 | $ | 12,713 | $ | 458,329

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- Definition Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953423-111524 + Details
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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953659-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 55 -Paragraph 19 -URI http://asc.fasb.org/extlink&oid=7880640&loc=SL6953803-111525 + Details
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