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Loans Receivable and Allowance for Loan Losses (Tables) | 3 Months Ended
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Mar. 31, 2013
Loans Receivable and Allowance for Loan Losses [Abstract] |
Composition of Loans Receivable [Table Text Block] |
| Types of loans
| (dollars in thousands) March 31, 2013 December 31, 2012
Real Estate-Residential | $153,422 | 32.0% |  | $150,043 | 31.4%
Commercial | 270,654 | 56.5 |  | 274,484 | 57.5
Construction | 14,750 | 3.1 |  | 13,435 | 2.8
Commercial, financial and agricultural | 26,443 | 5.5 |  | 25,113 | 5.3
Consumer loans to individuals | 13,922 | 2.9 |  | 14,154 | 3.0
Total loans | 479,191 | 100.0% |  | 477,229 | 100.0%
Deferred fees, net | (528) |  |  | (519) |
Total loans receivable | 478,663 |  |  | 476,710 |
Allowance for loan losses | (5,726) |  |  | (5,502) |
Net loans receivable | $472,937 |  |  | $471,208 |
Changes In The Accretable Yield For Purchased Credit Impaired Loans [Table Text Block] |
|  |  |  |  |  | 2013 |  |  | 2012
Balance at beginning of period |  |  |  |  |  | $76 |  |  | $171
Accretion |  |  |  |  |  | (23) |  |  | (24)
Reclassification and other |  |  |  |  |  | - |  |  | -
Balance at end of period |  |  |  |  |  | $53 |  |  | $147
Loans Acquired And Accounted For in Accordance With ASC 310-30 [Table Text Block] |
| March 31, 2013 | December 31, 2012
Outstanding Balance | $1,102 | $1,145
Carrying Amount | $1,049 | $1,069
Allowance for Loan Losses and Recorded Investment in Financing Receivables [Table Text Block] |
(In thousands) |  | Residential Real Estate |  |  | Commercial Real Estate |  |  | Construction |  |  | Commercial |  |  | Consumer |  |  | Total |
Beginning balance, December 31, 2012 | $ | 1,797 |  | $ | 3,183 |  | $ | 119 |  | $ | 223 |  | $ | 180 |  | $ | 5,502 |
Charge Offs |  | (250) |  |  | (313) |  |  | - |  |  | - |  |  | (19) |  |  | (582) | )
Recoveries |  | - |  |  | - |  |  | - |  |  | - |  |  | 6 |  |  | 6 |
Provision Expense |  | 427 |  |  | 420 |  |  | 5 |  |  | (47) |  |  | (5) |  |  | 800 |
Ending balance, March 31, 2013 | $ | 1,974 |  | $ | 3,290 |  | $ | 124 |  | $ | 176 |  | $ | 162 |  | $ | 5,726 |
Ending balance individually evaluated for impairment | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |
Ending balance collectively evaluated for impairment | $ | 1,974 |  | $ | 3,290 |  | $ | 124 |  | $ | 176 |  | $ | 162 |  | $ | 5,726 |
(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 |  | (61) |  |  | (103) |  |  | - |  |  |  |  |  | (32) |  |  | (196) | )
Recoveries |  | 1 |  |  | - |  |  | - |  |  | - |  |  | 5 |  |  | 6 |
Provision Expense |  | 2 |  |  | 272 |  |  | 3 |  |  | 44 |  |  | 29 |  |  | 350 |
Ending balance, March 31, 2012 | $ | 1,199 |  | $ | 4,007 |  | $ | 75 |  | $ | 191 |  | $ | 146 |  | $ | 5,618 |
Ending balance individually evaluated for impairment | $ | - |  | $ | 1,073 |  | $ | - |  | $ | - |  | $ | - |  | $ | 1,073 |
Ending balance collectively evaluated for impairment | $ | 1,199 |  | $ | 2,934 |  | $ | 75 |  | $ | 191 |  | $ | 146 |  | $ | 4,545 |
|  | Real Estate Loans |  |
|  | Residential |  | Commercial |  | Construction |  | Commercial Loans |  | Consumer Loans |  | Total
March 31, 2013 |  |  |  |  |  | (In thousands) |  |  |  |  |  |
Individually evaluated for impairment | $ | - | $ | 10,035 | $ | - | $ | - | $ | - | $ | 10,035
Loans acquired with deteriorated credit quality |  | 253 |  | 796 |  | - |  | - |  | - |  | 1,049
Collectively evaluated for impairment | $ | 153,169 | $ | 259,823 | $ | 14,750 | $ | 26,443 | $ | 13,922 | $ | 468,107
Total Loans | $ | 153,422 | $ | 270,654 | $ | 14,750 | $ | 26,443 | $ | 13,922 | $ | 479,191
|  |  | 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
Impaired Loans and Related Interest Income by Loan Portfolio Class [Table Text Block] | following table includes the recorded investment and unpaid principal balances for impaired loans with the associated allowance amount, if applicable. Also presented are the average recorded investments in the impaired loans and the related amount of interest recognized during the time within the period that the impaired loans were impaired.
|  | Recorded Investment |  | Unpaid Principal Balance |  | Associated Allowance |  |  |  |
March 31, 2013 With no related allowance recorded: |  |  |  | (In thousands) |  |  |  |
Real Estate Loans |  |  |  |  |  |  |  |  |  |
Residential | $ | 253 | $ | 265 | $ | - |  |  |  |
Commercial |  | 10,831 |  | 10,872 |  | - |  |  |  |
Subtotal |  | 11,084 |  | 11,137 |  | - |  |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |
Subtotal |  | - |  | - |  | - |  |  |  |
Total: |  |  |  |  |  |  |  |  |  |
Real Estate loans |  |  |  |  |  |  |  |  |  |
Residential |  | 253 |  | 265 |  | - |  |  |  |
Commercial |  | 10,831 |  | 10,872 |  | - |  |  |  |
Total Impaired Loans | $ | 11,084 | $ | 11,137 | $ | - |  |  |  |
|  | 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 |  |  |  |
The following information for impaired loans is presented for the periods ended March 31, 2013 and 2012:
|  |  |  |  |  |  |  |  |  | Average Recorded Investment |  |  | Interest Income Recognized
|  |  |  |  |  |  |  |  |  | 2013 |  | 2012 |  |  | 2013 | 2012
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real Estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  |  |  |  |  |  |  |  | $262 |  | $296 |  |  | $1 | $1
Commercial |  |  |  |  |  |  |  |  |  | 10,839 |  | 13,197 |  |  | 19 | 75
Commercial loans |  |  |  |  |  |  |  |  |  | - |  | 385 |  |  | - | -
Total Loans |  |  |  |  |  |  |  |  |  | $11,101 |  | $13,878 |  |  | $20 | $76
Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating [Table Text Block] |
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  |  | Total
March 31, 2013 |  |  |  |  |  |  |  |  |  |  |
Commercial real estate loans | $ | 248,287 | $ | 10,819 | $ | 11,548 | $ | - |  | $ | 270,654
Commercial loans |  | 26,443 |  | - |  | - |  | - |  |  | 26,443
Total | $ | 274,730 | $ | 10,819 | $ | 11,548 | $ | - |  | $ | 297,097
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  |  | 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
March 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real Estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | $ | 150,283 | $ | 457 | $ | 60 | $ | - | $ | 2,622 | $ | 3,139 | $ | 153,422
Commercial |  | 259,838 |  | 856 |  | - |  | - |  | 9,960 |  | 10,816 |  | 270,654
Construction |  | 14,683 |  | 67 |  | - |  | - |  | - |  | 67 |  | 14,750
Commercial loans |  | 26,405 |  | 30 |  | 8 |  | - |  | - |  | 38 |  | 26,443
Consumer loans |  | 13,878 |  | 35 |  | 9 |  | - |  | - |  | 44 |  | 13,922
Total | $ | 465,087 | $ | 1,445 | $ | 77 | $ | - | $ | 12,582 | $ | 14,104 | $ | 479,191
|  | 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

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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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