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Concentrations of Credit Risk | 12 Months Ended
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Dec. 31, 2011
Concentrations Of Credit Risk [Abstract] |
Concentration of Credit Risk | Note 15: Concentrations of Credit Risk The Company does a general banking business, serving the commercial and personal banking needs of its customers. NBB’s market area in southwest Virginia is made up of the counties of Montgomery, Giles, Pulaski, Tazewell, Wythe, Smyth and Washington. It also includes the independent cities of Radford and Galax, and the portions of Carroll and Grayson Counties that are adjacent to Galax. In addition, it serves those portions of Mercer County and McDowell County, West Virginia that are contiguous with Tazewell County. Substantially all of NBB’s loans are made in its market area. The ultimate collectability of the bank’s loan portfolio and the ability to realize the value of any underlying collateral, if needed, is influenced by the economic conditions of the market area. The Company’s operating results are therefore closely correlated with the economic trends within this area. At December 31, 2011 and 2010, approximately $351,720 and $339,161, respectively, of the loan portfolio was concentrated in commercial real estate. This represents approximately 60% of the loan portfolio at December 31, 2011 and 59% at December 31, 2010. Included in commercial loans at December 31, 2011 and 2010 was approximately $166,710 and $154,330, respectively, in loans for college housing and professional office buildings. This represents approximately 28% and 27% of the loan portfolio at December 31, 2011 and 2010, respectively. Loans secured by residential real estate were approximately $152,373 and $154,750 at December 31, 2011 and 2010, respectively. This represents approximately 26% of the loan portfolio at December 31, 2011 and 27% at December 31, 2010, respectively. Loans secured by automobiles were approximately $13,089 and $15,271 at December 31, 2011 and 2010, respectively. This represents approximately 2% of the loan portfolio at December 31, 2011 and in 2010 approximately 3%. The Company has established operating policies relating to the credit process and collateral in loan originations. Loans to purchase real and personal property are generally collateralized by the related property and with loan amounts established based on certain percentage limitations of the property’s total stated or appraised value. Credit approval is primarily a function of collateral and the evaluation of the creditworthiness of the individual borrower or project based on available financial information. Management considers the concentration of credit risk to be minimal.

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- Definition Description of any concentrations existing at the date of the financial statements that make an entity vulnerable to a reasonably possible, near-term, severe impact. The entity should inform financial statement users about the general nature of the risk associated with the concentration, and may indicate the percentage of concentration risk as of the balance sheet date. Disclosure of any financial instrument credit risk concentration also should indicate the maximum amount of loss that would be incurred upon complete failure of the counterparty to perform and the entity's collateral policies or other policies that limit the loss exposure. This element may be used as a single block of text to encapsulate the entire disclosure including data and tables. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Statement of Financial Accounting Standard (FAS) -Number 107 -Paragraph 15A Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher AICPA -Name Statement of Position (SOP) -Number 94-6 -Paragraph 21, 22, 24 + Details
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