XML 36 R31.htm IDEA: XBRL DOCUMENT
v2.4.0.8

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) - Allowance Roll-forward and Related Loan Balance by Portfolio Segments (USD $) In Thousands, unless otherwise specified | 3 Months Ended | 6 Months Ended |
--- | --- | --- | ---
Jun. 30, 2013 | Jun. 30, 2012 | Jun. 30, 2013 | Jun. 30, 2012 | Dec. 31, 2012
Financing Receivable, Allowance for Credit Losses [Line Items] |  |  |  |  |
Beginning Balance | $ 8,291 | $ 8,063 | $ 8,349 | $ 8,068 |
Charge-offs | (730) | (1,028) | (1,484) | (1,728) |
Recoveries | 36 | 29 | 61 | 52 |
Provision for loan losses | 355 | 1,104 | 1,026 | 1,776 |
Ending Balance | 7,952 | 8,168 | 7,952 | 8,168 |
Allowance for Loan Losses, Individually evaluated for impairment | 273 |  | 273 |  | 554
Allowance for Loan Losses, Collectively evaluated for impairment | 7,679 |  | 7,679 |  | 7,795
Allowance for Loan Losses, Total | 7,952 | 8,168 | 7,952 | 8,168 |
Loans, Individually evaluated for impairment | 17,395 |  | 17,395 |  | 18,456
Loans, Collectively evaluated for impairment | 571,569 |  | 571,569 |  | 574,659
Loans, Total | 588,964 |  | 588,964 |  | 593,115
Real Estate Construction [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Line Items] |  |  |  |  |
Beginning Balance | 1,173 | 674 | 1,070 | 1,079 |
Charge-offs | 0 | (589) | (184) | (589) |
Recoveries | 0 | 13 | 0 | 13 |
Provision for loan losses | (141) | 1,298 | 146 | 893 |
Ending Balance | 1,032 | 1,396 | 1,032 | 1,396 |
Allowance for Loan Losses, Individually evaluated for impairment | 0 |  | 0 |  | 0
Allowance for Loan Losses, Collectively evaluated for impairment | 1,032 |  | 1,032 |  | 1,070
Allowance for Loan Losses, Total | 1,032 | 1,396 | 1,032 | 1,396 |
Loans, Individually evaluated for impairment | 2,992 |  | 2,992 |  | 6,643
Loans, Collectively evaluated for impairment | 53,314 |  | 53,314 |  | 43,670
Loans, Total | 56,306 |  | 56,306 |  | 50,313
Consumer Real Estate [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Line Items] |  |  |  |  |
Beginning Balance | 1,846 | 2,252 | 2,263 | 1,245 |
Charge-offs | (46) | (150) | (99) | (245) |
Recoveries | 1 | 2 | 1 | 2 |
Provision for loan losses | (131) | (194) | (495) | 908 |
Ending Balance | 1,670 | 1,910 | 1,670 | 1,910 |
Allowance for Loan Losses, Individually evaluated for impairment | 10 |  | 10 |  | 43
Allowance for Loan Losses, Collectively evaluated for impairment | 1,660 |  | 1,660 |  | 2,220
Allowance for Loan Losses, Total | 1,670 | 1,910 | 1,670 | 1,910 |
Loans, Individually evaluated for impairment | 915 |  | 915 |  | 864
Loans, Collectively evaluated for impairment | 140,982 |  | 140,982 |  | 142,398
Loans, Total | 141,897 |  | 141,897 |  | 143,262
Commercial Real Estate [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Line Items] |  |  |  |  |
Beginning Balance | 3,289 | 3,220 | 3,442 | 3,515 |
Charge-offs | 0 | (200) | (35) | (737) |
Recoveries | 4 | 0 | 4 | 0 |
Provision for loan losses | (264) | 237 | (382) | 479 |
Ending Balance | 3,029 | 3,257 | 3,029 | 3,257 |
Allowance for Loan Losses, Individually evaluated for impairment | 261 |  | 261 |  | 273
Allowance for Loan Losses, Collectively evaluated for impairment | 2,768 |  | 2,768 |  | 3,169
Allowance for Loan Losses, Total | 3,029 | 3,257 | 3,029 | 3,257 |
Loans, Individually evaluated for impairment | 13,227 |  | 13,227 |  | 10,329
Loans, Collectively evaluated for impairment | 286,835 |  | 286,835 |  | 293,979
Loans, Total | 300,062 |  | 300,062 |  | 304,308
Commercial Non Real Estate [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Line Items] |  |  |  |  |
Beginning Balance | 1,276 | 1,126 | 959 | 1,473 |
Charge-offs | (556) | (5) | (960) | (5) |
Recoveries | 0 | 5 | 16 | 1 |
Provision for loan losses | 761 | (213) | 1,466 | (560) |
Ending Balance | 1,481 | 909 | 1,481 | 909 |
Allowance for Loan Losses, Individually evaluated for impairment | 1 |  | 1 |  | 231
Allowance for Loan Losses, Collectively evaluated for impairment | 1,480 |  | 1,480 |  | 728
Allowance for Loan Losses, Total | 1,481 | 909 | 1,481 | 909 |
Loans, Individually evaluated for impairment | 236 |  | 236 |  | 574
Loans, Collectively evaluated for impairment | 34,821 |  | 34,821 |  | 36,775
Loans, Total | 35,057 |  | 35,057 |  | 37,349
Public Sector and IDA [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Line Items] |  |  |  |  |
Beginning Balance | 110 | 85 | 142 | 232 |
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Provision for loan losses | 1 | 26 | (31) | (121) |
Ending Balance | 111 | 111 | 111 | 111 |
Allowance for Loan Losses, Individually evaluated for impairment | 0 |  | 0 |  | 0
Allowance for Loan Losses, Collectively evaluated for impairment | 111 |  | 111 |  | 142
Allowance for Loan Losses, Total | 111 | 111 | 111 | 111 |
Loans, Individually evaluated for impairment | 0 |  | 0 |  | 0
Loans, Collectively evaluated for impairment | 26,306 |  | 26,306 |  | 26,169
Loans, Total | 26,306 |  | 26,306 |  | 26,169
Consumer Non Real Estate [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Line Items] |  |  |  |  |
Beginning Balance | 585 | 482 | 424 | 403 |
Charge-offs | (128) | (84) | (206) | (152) |
Recoveries | 31 | 13 | 40 | 36 |
Provision for loan losses | 25 | 11 | 255 | 135 |
Ending Balance | 513 | 422 | 513 | 422 |
Allowance for Loan Losses, Individually evaluated for impairment | 1 |  | 1 |  | 7
Allowance for Loan Losses, Collectively evaluated for impairment | 512 |  | 512 |  | 417
Allowance for Loan Losses, Total | 513 | 422 | 513 | 422 |
Loans, Individually evaluated for impairment | 25 |  | 25 |  | 46
Loans, Collectively evaluated for impairment | 29,311 |  | 29,311 |  | 31,668
Loans, Total | 29,336 |  | 29,336 |  | 31,714
Unallocated [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Line Items] |  |  |  |  |
Beginning Balance | 12 | 224 | 49 | 121 |
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Provision for loan losses | 104 | (61) | 67 | 42 |
Ending Balance | 116 | 163 | 116 | 163 |
Allowance for Loan Losses, Individually evaluated for impairment | 0 |  | 0 |  | 0
Allowance for Loan Losses, Collectively evaluated for impairment | 116 |  | 116 |  | 49
Allowance for Loan Losses, Total | 116 | 163 | 116 | 163 |
Loans, Individually evaluated for impairment | 0 |  | 0 |  | 0
Loans, Collectively evaluated for impairment | 0 |  | 0 |  | 0
Loans, Total | $ 0 |  | $ 0 |  | $ 0

X
- Definition The valuation allowance for financing receivables that are expected to be uncollectible that were collectively evaluated for impairment. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (g) -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of valuation allowance for financing receivables that are expected to be uncollectible that were individually evaluated for impairment. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (g) -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amount of recovery of financing receivables doubtful of collection that were previously charged off. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(4) -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Amount of direct write-downs of financing receivables charged against the allowance. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(3) -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition The balance of financing receivables that were collectively evaluated for impairment. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (h) -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition The balance of financing receivables that were individually evaluated for impairment. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (h) -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03.7(d)) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 03 -Paragraph 7 -Subparagraph d -Article 9 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 30 -Section 50 -Paragraph 2 -Subparagraph (b)(1)(ii) -URI http://asc.fasb.org/extlink&oid=6379141&loc=d3e15032-111544 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Staff Accounting Bulletin (SAB) -Number Topic 6 -Section L -Subsection 1 + Details
Name: | us-gaap_LoansAndLeasesReceivableAllowance
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 45 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522 + Details
Name: | us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 45 -Paragraph 28 -Subparagraph (a) -URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 04 -Paragraph 11 -Article 9 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(2) -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953423-111524 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 225 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-04.11) -URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882 + Details
Name: | us-gaap_ProvisionForLoanLeaseAndOtherLosses
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration