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

9 Months Ended

Sep. 30, 2013

Receivables [Abstract]

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

Loans are comprised of the following:		September 30,				December 31,
		2013				2012
Residential real estate		$	216,001			$	226,022
Commercial real estate:
Owner-occupied			97,929				104,842
Nonowner-occupied			55,495				52,792
Construction			24,169				17,376
Commercial and industrial			61,522				57,239
Consumer:
Automobile			40,294				41,168
Home equity			17,736				18,332
Other			43,067				40,517
			556,213				558,288
Less: Allowance for loan losses			7,266				6,905
Loans, net		$	548,947			$	551,383

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

September 30, 2013		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,192			$	3,034			$	1,342			$	900			$	6,468
Provision for loan losses			173				313				291				56				833
Loans charged off			(94	)			----				----				(256	)			(350	)
Recoveries			80				48				14				173				315
Total ending allowance balance		$	1,351			$	3,395			$	1,647			$	873			$	7,266

September 30, 2012		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,443			$	4,369			$	653			$	1,062			$	7,527
Provision for loan losses			257				394				359				173				1,183
Loans charged-off			(61	)			(54	)			(429	)			(430	)			(974	)
Recoveries			23				27				159				240				449
Total ending allowance balance		$	1,662			$	4,736			$	742			$	1,045			$	8,185

September 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			318				(880	)			823				414				675
Loans charged off			(551	)			(2	)			----				(977	)			(1,530	)
Recoveries			255				331				41				589				1,216
Total ending allowance balance		$	1,351			$	3,395			$	1,647			$	873			$	7,266

September 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			552				2,290				(48	)			229				3,023
Loans charged-off			(739	)			(1,212	)			(499	)			(1,247	)			(3,697	)
Recoveries			119				35				653				708				1,515
Total ending allowance balance		$	1,662			$	4,736			$	742			$	1,045			$	8,185

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

September 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		$	237			$	1,699			$	1,111			$	7			$	3,054
Collectively evaluated for impairment			1,114				1,696				536				866				4,212
Total ending allowance balance		$	1,351			$	3,395			$	1,647			$	873			$	7,266
Loans:
Loans individually evaluated for impairment		$	1,410			$	11,073			$	2,999			$	218			$	15,700
Loans collectively evaluated for impairment			214,591				166,520				58,523				100,879				540,513
Total ending loans balance		$	216,001			$	177,593			$	61,522			$	101,097			$	556,213

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]

Nine months ended September 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		$	732			$	732			$	----			$	544			$	25			$	25
Commercial real estate:
Owner-occupied			1,477				1,476				----				1,391				31				31
Nonowner-occupied			6,699				5,899				----				6,513				267				267
Commercial and industrial			1,981				1,981				----				1,089				72				72
With an allowance recorded:
Residential real estate			678				678				237				487				25				25
Commercial real estate:
Owner-occupied			290				290				290				73				----				----
Nonowner-occupied			3,408				3,408				1,409				3,439				94				94
Commercial and industrial			1,018				1,018				1,111				540				35				35
Consumer:
Home equity			218				218				7				54				8				8
Total		$	16,501			$	15,700			$	3,054			$	14,130			$	557			$	557

Nine months ended September 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		$	914			$	774			$	----			$	662			$	22			$	22
Commercial real estate:
Owner-occupied			5,557				5,557				----				4,529				23				23
Nonowner-occupied			3,948				3,048				----				3,657				25				25
Construction			1,713				1,433				----				811				33				33
Consumer:
Home equity			219				219				----				165				7				7
With an allowance recorded:
Residential real estate			420				420				128				420				7				7
Commercial real estate:
Nonowner-occupied			2,737				2,486				2,078				1,520				26				26
Total		$	15,508			$	13,937			$	2,206			$	11,764			$	143			$	143

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]

September 30, 2013		Loans Past Due 90 Days And Still Accruing				Nonaccrual
Residential real estate		$	129			$	3,130
Commercial real estate:
Owner-occupied			----				1,307
Nonowner-occupied			----				52
Commercial and industrial			----				22
Consumer:
Automobile			2				10
Home equity			38				----
Other			1				----
Total		$	170			$	4,521

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]

September 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		$	3,891			$	1,861			$	2,870			$	8,622			$	207,379			$	216,001
Commercial real estate:
Owner-occupied			722				212				841				1,775				96,154				97,929
Nonowner-occupied			----				----				52				52				55,443				55,495
Construction			----				----				----				----				24,169				24,169
Commercial and industrial			303				----				20				323				61,199				61,522
Consumer:
Automobile			523				163				9				695				39,599				40,294
Home equity			192				59				38				289				17,447				17,736
Other			533				187				1				721				42,346				43,067
Total		$	6,164			$	2,482			$	3,831			$	12,477			$	543,736			$	556,213

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
September 30, 2013
Residential real estate
Interest only payments		$	249			$	----			$	249
Rate reduction			----				426				426
Commercial real estate:
Owner-occupied
Interest only payments			----				579				579
Rate reduction			----				261				261
Maturity extension at lower stated rate than market rate			174				----				174
Nonowner-occupied
Interest only payments			8,652				----				8,652
Reduction of principal and interest payments			655				----				655
Consumer:
Home equity
Maturity extension at lower stated rate than market rate			218				----				218
Total TDR’s		$	9,948			$	1,266			$	11,214

		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
Nine months ended September 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			$	----			$	----
Consumer:
Home equity
Maturity extension at lower stated rate than market rate			218				218				----				----
Total TDR’s		$	467			$	467			$	----			$	----

		TDR’s Performing to Modified Terms								TDR’s Not Performing to Modified Terms
Nine months ended September 30, 2012		Pre-Modification Recorded Investment				Post-Modification Recorded Investment				Pre-Modification Recorded Investment				Post-Modification Recorded Investment
Commercial real estate:
Owner-occupied
Reduction of principal and interest payments		$	4,308			$	4,266			$	----			$	----
Nonowner-occupied
Reduction of principal and interest payments			686				676				----				----
Total TDR’s		$	4,994			$	4,942			$	----			$	----

Financing Receivable Credit Quality Indicators [Table Text Block]

September 30, 2013
		Pass				Criticized				Classified				Total
Commercial real estate:
Owner-occupied		$	85,768			$	8,847			$	3,314			$	97,929
Nonowner-occupied			45,723				5,733				4,039				55,495
Construction			23,163				----				1,006				24,169
Commercial and industrial			57,264				578				3,680				61,522
Total		$	211,918			$	15,158			$	12,039			$	239,115

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]

September 30, 2013			Consumer
			Automobile				Home Equity				Other				Residential Real Estate				Total
Performing			$	40,282			$	17,698			$	43,066			$	212,742			$	313,788
Nonperforming				12				38				1				3,259				3,310
Total			$	40,294			$	17,736			$	43,067			$	216,001			$	317,098

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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