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Loans Receivable and Allowance for Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2012
Loans Receivable and Allowance for Loan Losses [Abstract] |
Composition of Loans Receivable [Table Text Block] |
| Types of loans
| (dollars in thousands) December 31, 2012 December 31, 2011
Real Estate-Residential | $150,043 | 31.4% |  | $148,148 | 32.3%
Commercial | 274,484 | 57.5 |  | 262,476 | 57.3
Construction | 13,435 | 2.8 |  | 11,087 | 2.4
Commercial, financial and agricultural | 25,113 | 5.3 |  | 22,684 | 5.0
Consumer loans to individuals | 14,154 | 3.0 |  | 13,934 | 3.0
Total loans | 477,229 | 100.0% |  | 458,329 | 100.0%
Deferred fees | (519) |  |  | (422) |
Total loans receivable | 476,710 |  |  | 457,907 |
Allowance for loan losses | (5,502) |  |  | (5,458) |
Net loans receivable | $471,208 |  |  | $452,449 |
Changes In The Accretable Yield For Purchased Credit Impaired Loans [Table Text Block] |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2012 |  | 2011
Balance at beginning of period |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $171 |  | $329
Accretion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (95) |  | (67)
Reclassification and other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -- |  | (91)
Balance at end of period |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $76 |  | $171
Loans Acquired And Accounted For in Accordance With ASC 310-30 [Table Text Block] |
| December 31, 2012 | December 31, 2011
Outstanding Balance | $1,145 | $1,412
Carrying Amount | $1,069 | $1,241
Allowance for Loan Losses and Recorded Investment in Financing Receivables [Table Text Block] | The following table presents changes in the allowance for loan losses:
|  | Year ended December 31, |
|  | (dollars in thousands) |
|  | 2012 |  | 2011 |  | 2010 |  |  |  |  |
Allowance balance at beginning of period |  | $ | 5,458 |  | $ | 5,616 |  | $ | 5,453 |  |  |  |  |  |  |
Charge-offs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and all other |  |  | (24 | ) |  | (2 | ) |  | (85 | ) |  |  |  |  |  |
Real Estate |  |  | (2,354 | ) |  | (1,735 | ) |  | (699 | ) |  |  |  |  |  |
Consumer |  |  | (59 | ) |  | (109 | ) |  | (82 | ) |  |  |  |  |  |
Total |  |  | (2,437 | ) |  | (1,846 | ) |  | (866 | ) |  |  |  |  |  |
Recoveries: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and all other |  |  | - |  |  | 5 |  |  | — |  |  |  |  |  |  |
Real Estate |  |  | 7 |  |  | 51 |  |  | 2 |  |  |  |  |  |  |
Consumer |  |  | 24 |  |  | 57 |  |  | 27 |  |  |  |  |  |  |
Total |  |  | 31 |  |  | 113 |  |  | 29 |  |  |  |  |  |  |
Provision expense |  |  | 2,450 |  |  | 1,575 |  |  | 1,000 |  |  |  |  |  |  |
Allowance balance at end of period |  | $ | 5,502 |  | $ | 5,458 |  | $ | 5,616 |  |  |  |  |  |  |
The following table presents the allowance for loan losses by the classes of the loan portfolio:
(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 |  | (541) |  |  | (1,632) |  |  | (181) |  |  | (24) |  |  | (59) |  |  | (2,437) |
Recoveries |  | 7 |  |  | - |  |  | - |  |  | - |  |  | 24 |  |  | 31 |
Provision Expense |  | 1,074 |  |  | 977 |  |  | 228 |  |  | 100 |  |  | 71 |  |  | 2,450 |
Ending balance, December 31, 2012 | $ | 1,797 |  | $ | 3,183 |  | $ | 119 |  | $ | 223 |  | $ | 180 |  | $ | 5,502 |
Ending balance individually evaluated for impairment | $ | - |  | $ | 9 |  |  | - |  |  | - |  |  | - |  | $ | 9 |
Ending balance collectively evaluated for impairment | $ | 1,797 |  | $ | 3,174 |  | $ | 119 |  | $ | 223 |  | $ | 180 |  | $ | 5,493 |
(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 |  | (482) |  |  | (1,253) |  |  | - |  |  | (2) |  |  | (109) |  | (1,846) |
Recoveries |  | 44 |  |  | 7 |  |  | - |  |  | 5 |  |  | 57 |  | 113 |
Provision Expense |  | 528 |  |  | 1,108 |  |  | (38) |  |  | (27) |  |  | 4 |  | 1,575 |
Ending balance, December 31, 2011 | $ | 1,257 |  | $ | 3,838 |  | $ | 72 |  | $ | 147 |  | $ | 144 | $ | 5,458 |
Ending balance individually evaluated for impairment | $ | - |  | $ | 1,231 |  |  | - |  |  | - |  |  | - | $ | 1,231 |
Ending balance collectively evaluated for impairment | $ | 1,257 |  | $ | 2,607 |  | $ | 72 |  | $ | 147 |  | $ | 144 | $ | 4,227 |
Impaired Loans and Related Interest Income by Loan Portfolio Class [Table Text Block] | The following table shows the amount of loans in each category that were individually and collectively evaluated for impairment at the dates indicated:
|  | Real Estate Loans |  |
|  | Residential |  | Commercial |  | Construction |  | Commercial Loans |  | Consumer Loans |  | Total
December 31, 2012 |  |  |  |  |  | (In thousands) |  |  |  |  |  |
Individually evaluated for impairment | $ | - | $ | 10,246 | $ | - | $ | 310 | $ | - | $ | 10,556
Loans acquired with deteriorated credit quality |  | 270 |  | 799 |  |  |  | - |  |  |  | 1,069
Collectively evaluated for impairment |  | 149,773 |  | 263,439 |  | 13,435 |  | 24,803 |  | 14,154 |  | 465,604
Total Loans | $ | 150,043 | $ | 274,484 | $ | 13,435 | $ | 25,113 | $ | 14,154 | $ | 477,229
|  | Real Estate Loans |  |
|  | 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
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 |
December 31, 2012 With no related allowance recorded: |  |  |  |  | (In thousands)
Real Estate Loans |  |  |  |  |  |  |
Residential | $ | 270 | $ | 286 | $ | - |
Commercial |  | 10,494 |  | 10,554 |  | - |
Commercial Loans |  | 310 |  | 310 |  | - |
Subtotal |  | 11,074 |  | 11,150 |  | - |
With an allowance recorded: |  |  |  |  |  |  |
Real Estate Loans |  |  |  |  |  |  |
Commercial |  | 551 |  | 551 |  | 9 |
Subtotal |  | 551 |  | 551 |  | 9 |
Total: |  |  |  |  |  |  |
Real Estate Loans |  |  |  |  |  |  |
Residential |  | 270 |  | 286 |  | - |
Commercial |  | 11,045 |  | 11,105 |  | 9 |
Commercial Loans |  | 310 |  | 310 |  | - |
Total Impaired Loans | $ | 11,625 | $ | 11,701 | $ | 9 |
|  | 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 |  | 5,994 |  | -
Commercial Loans |  | 598 |  | 598 |  | -
Subtotal |  | 6,807 |  | 6,978 |  | -
With an allowance recorded: |  |  |  |  |  |
Real Estate Loans |  |  |  |  |  |
Commercial |  | 6,823 |  | 6,823 |  | 1,231
Subtotal |  | 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 year ended December 31, 2012 and 2011:
|  | Average Recorded Investment |  |  |  | Interest Income Recognized
|  | 2012 |  | 2011 |  |  |  | 2012 |  | 2011
|  |  |  |  | (In thousands) |  |  |
Total: |  |  |  |  |  |  |  |  |  |
Real Estate loans |  |  |  |  |  |  |  |  |  |
Residential | $ | 281 | $ | 245 |  |  | $ | 5 | $ | 7
Commercial |  | 12,108 |  | 15,042 |  |  |  | 226 |  | 544
Commercial Loans |  | 340 |  | 496 |  |  |  | 2 |  | 10
Total Loans | $ | 12,729 | $ | 15,783 |  |  | $ | 233 | $ | 561
Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating [Table Text Block] |
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate loans | $ | 251,484 | $ | 11,245 | $ | 11,755 | $ | - | $ | - | $ | 274,484
Commercial loans |  | 24,427 |  | 318 |  | 368 |  | - |  | - |  | 25,113
Total | $ | 275,911 | $ | 11,563 | $ | 12,123 | $ | - | $ | - | $ | 299,597
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
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real Estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | $ | 146,847 | $ | 94 | $ | 256 | $ | - | $ | 2,846 | $ | 3,196 | $ | 150,043
Commercial |  | 261,527 |  | 2,333 |  | 598 |  | - |  | 10,026 |  | 12,957 |  | 274,484
Construction |  | 13,363 |  | 72 |  | - |  | - |  | - |  | 72 |  | 13,435
Commercial loans |  | 24,785 |  | - |  | - |  | - |  | 328 |  | 328 |  | 25,113
Consumer loans |  | 14,029 |  | 114 |  | 11 |  | - |  | - |  | 125 |  | 14,154
Total | $ | 460,551 | $ | 2,613 | $ | 865 | $ | - | $ | 13,200 | $ | 16,678 | $ | 477,229
|  | 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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- Definition Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5111-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953401-111524 + Details
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