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Note 4 - Loans and Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2013

Receivables [Abstract]

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

Loans are comprised of the following:		June 30, 2013				December 31, 2012
Residential real estate		$	220,290			$	226,022
Commercial real estate:
Owner-occupied			99,232				104,842
Nonowner-occupied			53,759				52,792
Construction			21,308				17,376
Commercial and industrial			58,299				57,239
Consumer:
Automobile			40,104				41,168
Home equity			18,223				18,332
Other			40,230				40,517
			551,445				558,288
Less: Allowance for loan losses			6,468				6,905
Loans, net		$	544,977			$	551,383

Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]

June 30, 2013		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,314			$	3,744			$	761			$	853			$	6,672
Provision for loan losses			(182	)			(715	)			565				143				(189	)
Loans charged off			(100	)			----				----				(284	)			(384	)
Recoveries			160				5				16				188				369
Total ending allowance balance		$	1,192			$	3,034			$	1,342			$	900			$	6,468

June 30, 2012		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,491			$	3,423			$	623			$	1,310			$	6,847
Provision for loan losses			18				1,004				(319	)			(179	)			524
Loans charged-off			(85	)			(62	)			----				(298	)			(445	)
Recoveries			19				4				349				229				601
Total ending allowance balance		$	1,443			$	4,369			$	653			$	1,062			$	7,527

June 30, 2013		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,329			$	3,946			$	783			$	847			$	6,905
Provision for loan losses			145				(1,193	)			532				358				(158	)
Loans charged off			(457	)			(2	)			----				(721	)			(1,180	)
Recoveries			175				283				27				416				901
Total ending allowance balance		$	1,192			$	3,034			$	1,342			$	900			$	6,468

June 30, 2012		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,730			$	3,623			$	636			$	1,355			$	7,344
Provision for loan losses			295				1,896				(407	)			56				1,840
Loans charged-off			(678	)			(1,158	)			(70	)			(817	)			(2,723	)
Recoveries			96				8				494				468				1,066
Total ending allowance balance		$	1,443			$	4,369			$	653			$	1,062			$	7,527

Allowance for Loan Losses and the Recorded Investment of Loans [Table Text Block]

June 30, 2013		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	123			$	1,476			$	878			$	----			$	2,477
Collectively evaluated for impairment			1,069				1,558				464				900				3,991
Total ending allowance balance		$	1,192			$	3,034			$	1,342			$	900			$	6,468
Loans:
Loans individually evaluated for impairment		$	916			$	10,968			$	3,518			$	----			$	15,402
Loans collectively evaluated for impairment			219,374				163,331				54,781				98,557				536,043
Total ending loans balance		$	220,290			$	174,299			$	58,299			$	98,557			$	551,445

December 31, 2012		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	128			$	1,979			$	----			$	----			$	2,107
Collectively evaluated for impairment			1,201				1,967				783				847				4,798
Total ending allowance balance		$	1,329			$	3,946			$	783			$	847			$	6,905
Loans:
Loans individually evaluated for impairment		$	827			$	16,354			$	----			$	220			$	17,401
Loans collectively evaluated for impairment			225,195				158,656				57,239				99,797				540,887
Total ending loans balance		$	226,022			$	175,010			$	57,239			$	100,017			$	558,288

Schedule of Loans Individually Evaluated for Impairment [Table Text Block]

Six months ended June 30, 2013		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated				Average Impaired Loans				Interest Income Recognized				Cash Basis Interest Recognized
With no related allowance recorded:
Residential real estate		$	490			$	490			$	----			$	481			$	13			$	13
Commercial real estate:
Owner-occupied			1,485				1,483				----				1,362				22				22
Nonowner-occupied			6,849				6,049				----				6,717				186				186
Commercial and industrial			2,376				2,376				----				792				23				23
With an allowance recorded:
Residential real estate			426				426				123				424				8				8
Commercial real estate:
Nonowner-occupied			3,436				3,436				1,476				3,450				53				53
Commercial and industrial			1,142				1,142				878				381				45				45
Total		$	16,204			$	15,402			$	2,477			$	13,607			$	350			$	350

Six months ended June 30, 2012		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated				Average Impaired Loans				Interest Income Recognized				Cash Basis Interest Recognized
With no related allowance recorded:
Residential real estate		$	1,174			$	1,034			$	----			$	886			$	18			$	13
Commercial real estate:
Owner-occupied			7,410				7,159				----				5,631				264				244
Nonowner-occupied			1,790				889				----				934				24				23
Construction			675				395				----				488				6				6
Consumer:
Automobile			22				22				----				15				1				1
Home equity			220				220				----				147				5				5
With an allowance recorded:
Residential real estate			420				420				128				420				17				13
Commercial real estate:
Owner-occupied			3,614				3,614				1,207				3,529				77				69
Nonowner-occupied			1,298				1,047				638				1,198				18				17
Total		$	16,623			$	14,800			$	1,973			$	13,248			$	430			$	391

Year ended December 31, 2012		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated				Average Impaired Loans				Interest  Income Recognized				Cash Basis Interest Recognized
With no related allowance recorded:
Residential real estate		$	619			$	407			$	----			$	493			$	----			$	----
Commercial real estate:
Owner-occupied			5,528				5,528				----				4,729				338				338
Nonowner-occupied			10,085				8,847				----				4,767				456				456
Commercial and industrial			426				----				----				----				----				----
Consumer:
Home equity			220				220				----				176				9				9
With an allowance recorded:
Residential real estate			420				420				128				420				23				23
Commercial real estate:
Nonowner-occupied			1,979				1,979				1,979				1,132				38				38
Total		$	19,277			$	17,401			$	2,107			$	11,717			$	864			$	864

Schedule of Recorded Investment in Nonaccrual Loans [Table Text Block]

June 30, 2013		Loans Past Due 90 Days And Still Accruing				Nonaccrual
Residential real estate		$	381			$	2,632
Commercial real estate:
Owner-occupied			----				1,085
Nonowner-occupied			----				52
Consumer:
Automobile			8				4
Home equity			58				----
Other			1				3
Total		$	448			$	3,776

December 31, 2012		Loans Past Due 90 Days And Still Accruing				Nonaccrual
Residential real estate		$	341			$	2,533
Commercial real estate:
Owner-occupied			----				675
Nonowner-occupied			----				352
Consumer:
Automobile			11				4
Home equity			----				62
Other			7				----
Total		$	359			$	3,626

Past Due Financing Receivables [Table Text Block]

June 30, 2013		30-59 Days Past Due				60-89 Days Past Due				90 Days Or More Past Due				Total Past Due				Loans Not Past Due				Total
Residential real estate		$	4,420			$	1,179			$	3,003			$	8,602			$	211,688			$	220,290
Commercial real estate:
Owner-occupied			38				----				1,085				1,123				98,109				99,232
Nonowner-occupied			----				----				52				52				53,707				53,759
Construction			----				----				----				----				21,308				21,308
Commercial and industrial			61				----				----				61				58,238				58,299
Consumer:
Automobile			540				139				9				688				39,416				40,104
Home equity			116				33				58				207				18,016				18,223
Other			491				61				4				556				39,674				40,230
Total		$	5,666			$	1,412			$	4,211			$	11,289			$	540,156			$	551,445

December 31, 2012		30-59 Days Past Due				60-89 Days Past Due				90 Days Or More Past Due				Total Past Due				Loans Not Past Due				Total
Residential real estate		$	5,525			$	1,033			$	2,797			$	9,355			$	216,667			$	226,022
Commercial real estate:
Owner-occupied			753				111				675				1,539				103,303				104,842
Nonowner-occupied			----				----				352				352				52,440				52,792
Construction			----				----				----				----				17,376				17,376
Commercial and industrial			202				----				----				202				57,037				57,239
Consumer:
Automobile			905				138				13				1,056				40,112				41,168
Home equity			112				37				62				211				18,121				18,332
Other			1,066				162				7				1,235				39,282				40,517
Total		$	8,563			$	1,481			$	3,906			$	13,950			$	544,338			$	558,288

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

		TDR’s Performing to Modified Terms				TDR’s Not Performing to Modified Terms				Total TDR’s
June 30, 2013
Residential real estate
Interest only payments		$	249			$	----			$	249
Rate reduction			----				426				426
Commercial real estate:
Owner-occupied
Interest only payments			----				580				580
Rate reduction			----				262				262
Maturity extension at lower stated rate than market rate			176				----				176
Nonowner-occupied
Interest only payments			8,825				----				8,825
Reduction of principal and interest payments			660				----				660
Total TDR’s		$	9,910			$	1,268			$	11,178

		TDR’s Performing to Modified Terms				TDR’s Not Performing to Modified Terms				Total TDR’s
December 31, 2012
Residential real estate
Interest only payments		$	----			$	180			$	180
Rate reduction			420				----				420
Commercial real estate:
Owner-occupied
Interest only payments			----				675				675
Rate reduction			440				----				440
Maturity extension at lower stated rate than market rate			191				----				191
Reduction of principal and interest payments			4,222				----				4,222
Nonowner-occupied
Interest only payments			9,856				300				10,156
Reduction of principal and interest payments			670				----				670
Total TDR’s		$	15,799			$	1,155			$	16,954

Schedule of Post-Modifications Balances of TDR Loan Modifications [Table Text Block]

		TDR’s Performing to Modified Terms								TDR’s Not Performing to Modified Terms
Six months ended June 30, 2013		Pre- Modification Recorded Investment				Post- Modification Recorded Investment				Pre- Modification Recorded Investment				Post- Modification Recorded Investment
Residential real estate
Interest only payments		$	249			$	249			$	----			$	----
Total TDR’s		$	249			$	249			$	----			$	----

Financing Receivable Credit Quality Indicators [Table Text Block]

June 30, 2013
		Pass				Criticized				Classified				Total
Commercial real estate:
Owner-occupied		$	88,357			$	7,981			$	2,894			$	99,232
Nonowner-occupied			43,530				601				9,628				53,759
Construction			20,273				----				1,035				21,308
Commercial and industrial			53,539				557				4,203				58,299
Total		$	205,699			$	9,139			$	17,760			$	232,598

December 31, 2012
		Pass				Criticized				Classified				Total
Commercial real estate:
Owner-occupied		$	87,614			$	14,057			$	3,171			$	104,842
Nonowner-occupied			39,627				2,171				10,994				52,792
Construction			16,276				----				1,100				17,376
Commercial and industrial			47,226				4,793				5,220				57,239
Total		$	190,743			$	21,021			$	20,485			$	232,249

Performing and Nonperforming Loans [Table Text Block]

June 30, 2013		Consumer
		Automobile				Home Equity				Other				Residential Real Estate				Total
Performing		$	40,092			$	18,165			$	40,226			$	217,277			$	315,760
Nonperforming			12				58				4				3,013				3,087
Total		$	40,104			$	18,223			$	40,230			$	220,290			$	318,847

December 31, 2012		Consumer
		Automobile				Home Equity				Other				Residential Real Estate				Total
Performing		$	41,153			$	18,270			$	40,510			$	223,148			$	323,081
Nonperforming			15				62				7				2,874				2,958
Total		$	41,168			$	18,332			$	40,517			$	226,022			$	326,039

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