ALLOWANCE FOR LOAN LOSSES

3 Months Ended

Mar. 31, 2013

Receivables,Loans,Notes Receivable,And Others [Abstract]

Allowance for Credit Losses [Text Block]

NOTE 4 ALLOWANCE FOR LOAN LOSSES

The following table presents the activity of the allowance for loan losses by portfolio segment for the three months ended March 31, 2013 and 2012.

	Commercial			Real Estate			Consumer			Total
	(Dollar amounts in thousands)
For the Three Months Ended March 31, 2013
Beginning balance – January 1, 2013	$	3,175		$	284		$	582		$	4,041
Charge-offs		0			(19	)		(61	)		(80	)
Recoveries		17			0			15			32
Net (charge-offs) recoveries		17			(19	)		(46	)		(48	)
Provision		(39	)		12			49			22
Ending Balance – March 31, 2013	$	3,153		$	277		$	585		$	4,015

	Commercial		Real Estate		Consumer			Total
	(Dollar amounts in thousands)
For the Three Months Ended March 31, 2012
Beginning balance – January 1, 2012	$	2,849	$	278	$	652		$	3,779
Charge-offs		0		0		(42	)		(42	)
Recoveries		3		0		18			21
Net (charge-offs) recoveries		3		0		(24	)		(21	)
Provision		150		0		0			150
Ending Balance – March 31, 2012	$	3,002	$	278	$	628		$	3,908

The following table presents the allocation of the allowance for loan losses and the recorded investment in loans (in thousands) by portfolio segment at March 31, 2013 and December 31, 2012.

	Collectively Evaluated				Individually Evaluated				Total
	Allowance		Recorded		Allowance		Recorded		Allowance		Recorded
	for Loan		Investment		for Loan		Investment		for Loan		Investment
	Losses		in Loans		Losses		in Loans		Losses		in Loans
March 31, 2013
Commercial	$	2,599	$	176,428	$	554	$	10,798	$	3,153	$	187,226
Real estate		277		16,289		0		0		277		16,289
Consumer		585		36,226		0		0		585		36,226
Total	$	3,461	$	228,943	$	554	$	10,798	$	4,015	$	239,741
December 31, 2012
Commercial	$	2,618	$	181,490	$	557	$	12,056	$	3,175	$	193,546
Real estate		284		16,129		0		0		284		16,129
Consumer		582		37,669		0		0		582		37,669
Total	$	3,484	$	235,288	$	557	$	12,056	$	4,041	$	247,344