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Note Q - Consolidated Quarterly Financial Information (unaudited) | 12 Months Ended
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Dec. 31, 2013
Quarterly Financial Information Disclosure [Abstract] |
Quarterly Financial Information [Text Block] | Note Q - Consolidated Quarterly Financial Information (unaudited)
|  | Quarters Ended |
|  | Mar. 31 |  |  | Jun. 30 |  |  | Sept. 30 |  |  | Dec. 31 |
2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total interest income |  | $ | 9,480 |  |  | $ | 8,764 |  |  | $ | 8,748 |  |  | $ | 8,966 |
Total interest expense |  |  | 1,059 |  |  |  | 923 |  |  |  | 818 |  |  |  | 773 |
Net interest income |  |  | 8,421 |  |  |  | 7,841 |  |  |  | 7,930 |  |  |  | 8,193 |
Provision for loan losses (1) |  |  | 31 |  |  |  | (189 | ) |  |  | 833 |  |  |  | (198 | )
Noninterest income (2) |  |  | 3,940 |  |  |  | 1,965 |  |  |  | 1,574 |  |  |  | 1,039 |
Noninterest expense |  |  | 7,948 |  |  |  | 7,317 |  |  |  | 7,320 |  |  |  | 6,790 |
Net income |  |  | 3,223 |  |  |  | 1,942 |  |  |  | 1,061 |  |  |  | 1,886 |
Earnings per share |  | $ | 0.79 |  |  | $ | 0.48 |  |  | $ | 0.26 |  |  | $ | 0.47 |
2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total interest income |  | $ | 10,665 |  |  | $ | 9,657 |  |  | $ | 9,405 |  |  | $ | 9,274 |
Total interest expense |  |  | 1,753 |  |  |  | 1,604 |  |  |  | 1,538 |  |  |  | 1,451 |
Net interest income |  |  | 8,912 |  |  |  | 8,053 |  |  |  | 7,867 |  |  |  | 7,823 |
Provision for loan losses (3) |  |  | 1,316 |  |  |  | 524 |  |  |  | 1,183 |  |  |  | (1,440 | )
Noninterest income (2) |  |  | 3,479 |  |  |  | 1,974 |  |  |  | 1,674 |  |  |  | 1,356 |
Noninterest expense |  |  | 7,332 |  |  |  | 7,162 |  |  |  | 6,957 |  |  |  | 8,290 |
Net income |  |  | 2,622 |  |  |  | 1,719 |  |  |  | 1,107 |  |  |  | 1,604 |
Earnings per share |  | $ | 0.65 |  |  | $ | 0.43 |  |  | $ | 0.27 |  |  | $ | 0.40 |
2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total interest income |  | $ | 12,025 |  |  | $ | 10,817 |  |  | $ | 10,693 |  |  | $ | 10,505 |
Total interest expense |  |  | 2,822 |  |  |  | 2,663 |  |  |  | 2,509 |  |  |  | 2,175 |
Net interest income |  |  | 9,203 |  |  |  | 8,154 |  |  |  | 8,184 |  |  |  | 8,330 |
Provision for loan losses (4) |  |  | 2,944 |  |  |  | 759 |  |  |  | 1,152 |  |  |  | 41 |
Noninterest income (2) |  |  | 3,659 |  |  |  | 1,687 |  |  |  | 1,058 |  |  |  | 818 |
Noninterest expense |  |  | 7,098 |  |  |  | 6,981 |  |  |  | 7,001 |  |  |  | 7,219 |
Net income |  |  | 2,033 |  |  |  | 1,555 |  |  |  | 886 |  |  |  | 1,361 |
Earnings per share |  | $ | 0.51 |  |  | $ | 0.39 |  |  | $ | 0.22 |  |  | $ | 0.34 |
(1) During most of 2013, the Company experienced minimal to negative provision expense as a result of lower general allocations of the allowance for loan losses. General allocations were impacted by improved economic trends that include: decreasing historical loan loss factor, lower delinquencies and lower classified/criticized assets. (2) The Company’s noninterest income was significantly impacted by seasonal tax refund processing fees. The Bank serves as a facilitator for the clearing of tax refunds for a single tax software provider. The Bank processes electronic refund checks/deposits associated with taxpayer refunds, and will, in turn, receive a fee paid by the third-party tax software provider for each transaction processed. Due to the seasonal nature of tax refund transactions, the majority of income was recorded during the first quarter. (3) During the fourth quarter of 2012, the Company experienced a large recovery of $1,250 on a previously charged-off commercial loan which lowered net charge-offs. The large decrease in net charge-offs contributed to a lower historical loan loss factor that created a lower level of general allocations within the allowance for loan losses. (4) During the first quarter of 2011, the Company began taking partial charge-offs more quickly on collateral dependent impaired loans as a result of management’s evaluation of the trends in the real estate market, the status of long-term, collateral dependent impaired loans and the current regulatory environment. The increases in partial charge-offs contributed to a higher historical loan loss factor, which required additional general allocations within the allowance for loan losses.

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- Definition The entire disclosure for the quarterly financial data in the annual financial statements. The disclosure may include a tabular presentation of financial information for each fiscal quarter for the current and previous year, including revenues, gross profit, income or loss before extraordinary items and earnings per share data. It also includes an indication if the information in the note is unaudited, comments on the aggregate effect of year-end adjustments, and an explanation of matters or transactions that affect comparability or are pertinent to an understanding of the information furnished. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 270 -SubTopic 10 -Section 45 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=6372559&loc=d3e765-108305 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 270 -SubTopic 10 -Section 45 -Paragraph 12 -URI http://asc.fasb.org/extlink&oid=6372559&loc=d3e725-108305 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 270 -SubTopic 10 -Section 50 -Paragraph 1 -Subparagraph (a)-(j) -URI http://asc.fasb.org/extlink&oid=25249566&loc=d3e1280-108306 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Staff Accounting Bulletin (SAB) -Number Topic 6 -Section G -Subsection 1 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-K (SK) -Number 229 -Section 302 -Paragraph a + Details
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