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Loans Receivable and Allowance for Loan Losses (Tables)

9 Months Ended

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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Changes In The Accretable Yield For Purchased Credit Impaired Loans

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Loans Acquired And Accounted For in Accordance With ASC 310-30 [Table Text Block]

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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.

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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.

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