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Loans Receivable and Allowance for Loan Losses (Tables)

3 Months Ended

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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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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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.

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Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

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