Loans and Allowance (Tables)

12 Months Ended

Dec. 31, 2012

Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]

Schedule of breakdown of loans

	December 31, 2012			December 31, 2011
Residential real estate
Construction	$	10,784		$	8,308
One-to-four family residential		137,402			111,198
Multi-family residential		19,988			18,582
Nonresidential real estate and agricultural land		106,433			83,284
Land and land development		15,722			19,081
Commercial		19,549			17,349
Consumer and other		4,906			3,840
		314,784			261,642
Unamortized deferred loan costs		484			481
Undisbursed loans in process		(6,186	)		(5,024	)
Allowance for loan losses		(3,564	)		(4,003	)
Total loans	$	305,518		$	253,096

Schedule of the activity in the allowance for loan losses

	Residential Construction			1-4 Family			Multi-Family			Nonresidential			Land			Commercial			Consumer			Total
Year Ended December 31, 2012
Balances at beginning of period:	$	23		$	1,986		$	65		$	822		$	993		$	70		$	44		$	4,003
Provision for losses		(20	)		493			216			619			(11	)		63			22			1,382
Loans charged off		—			(1,136	)		—			(366	)		(341	)		—			(89	)		(1,932	)
Recoveries on loans		4			80			—			3			—			—			24			111
Balances at end of period	$	7		$	1,423		$	281		$	1,078		$	641		$	133		$	1		$	3,564
Year Ended December 31, 2011
Balances at beginning of period:	$	35		$	746		$	138		$	1,632		$	976		$	157		$	122		$	3,806
Provision for losses		(7	)		1,844			(37	)		243			836			(87	)		(21	)		2,771
Loans charged off		(5	)		(604	)		(36	)		(1,056	)		(819	)					(102	)		(2,622	)
Recoveries on loans		—			—			—			3			—			—			45			48
Balances at end of period	$	23		$	1,986		$	65		$	822		$	993		$	70		$	44		$	4,003

	Residential Construction		1-4 Family		Multi-Family		Non-residential		Land		Commercial		Consumer		Total
As of December 31, 2012
Allowance for losses:
Individually evaluated for impairment:	$	—	$	310	$	196	$	—	$	195	$	93	$	—	$	794
Collectively evaluated for impairment:		7		1,113		85		1,078		446		40		1		2,770
Loans acquired with a deteriorated credit quality:		—		—		—		—		—		—		—		—
Balances at end of period	$	7	$	1,423	$	281	$	1,078	$	641	$	133	$	1	$	3,564
Loans:
Individually evaluated for impairment:	$	398	$	4,517	$	1,104	$	3,278	$	4,354	$	565	$	12	$	14,228
Collectively evaluated for impairment:		10,386		131,465		18,433		102,292		11,067		18,946		4,864		297,453
Loans acquired with a deteriorated credit quality:		—		1,420		451		863		301		38		30		3,103
Balances at end of period	$	10,784	$	137,402	$	19,988	$	106,433	$	15,722	$	19,549	$	4,906	$	314,784
As of December 31, 2011
Allowance for losses:
Individually evaluated for impairment:	$	—	$	913	$	—	$	—	$	519	$	—	$	—	$	1,432
Collectively evaluated for impairment:		23		1,073		65		822		474		70		44		2,571
Balances at end of period	$	23	$	1,986	$	65	$	822	$	993	$	70	$	44	$	4,003
Loans:
Individually evaluated for impairment:	$	—	$	6,331	$	1,966	$	3,705	$	4,972	$	271	$	17	$	17,262
Collectively evaluated for impairment:		8,308		104,867		16,616		79,579		14,109		17,078		3,823		244,380
Balances at end of period	$	8,308	$	111,198	$	18,582	$	83,284	$	19,081	$	17,349	$	3,840	$	261,642

Schedule of credit risk profile of the corporation's loan portfolio based on rating category

December 31, 2012	Total Portfolio		Pass		Special Mention		Substandard		Doubtful
Construction	$	10,784	$	9,593	$	192	$	999	$	—
1-4 family residential		137,402		123,705		6,597		5,885		1,215
Multi-family residential		19,988		17,546		186		2,256		—
Nonresidential		106,433		97,307		4,931		2,793		1,402
Land		15,722		11,359		122		3,910		331
Commercial		19,549		18,869		15		414		251
Consumer		4,906		4,863		14		29		—
Total loans	$	314,784	$	283,242	$	12,057	$	16,286	$	3,199

December 31, 2011	Total Portfolio		Pass		Special Mention		Substandard		Doubtful
Construction	$	8,308	$	8,308	$	—	$	—	$	—
1-4 family residential		111,198		100,827		2,891		7,429		51
Multi-family residential		18,582		16,616		—		1,966		—
Nonresidential		83,284		75,966		3,441		3,877		—
Land		19,081		13,457		505		5,119		—
Commercial		17,349		16,685		329		335		—
Consumer		3,840		3,796		22		22		—
Total loans	$	261,642	$	235,655	$	7,188	$	18,748	$	51

Schedule of corporation's loan portfolio aging analysis

December 31, 2012	30-59 Days Past Due		60-89 Days Past Due		Greater than 90 Days		Total Past Due		Current		Purchased Credit Impaired Loans		Total Loans Receivables
Construction	$	63	$	-	$	225	$	288	$	10,496	$	-	$	10,784
1-4 family residential		1,347		768		1,408		3,523		132,459		1,420		137,402
Multi-family residential		-		-		-		-		19,537		451		19,988
Nonresidential		276		-		753		1,029		104,541		863		106,433
Land		-		-		331		331		15,090		301		15,722
Commercial		100		-		251		351		19,160		38		19,549
Consumer		36		-		2		38		4,838		30		4,906
	$	1,822	$	768	$	2,970	$	5,560	$	306,121	$	3,103	$	314,784

December 31, 2011	30-59 Days Past Due		60-89 Days Past Due		Greater than 90 Days		Total Past Due		Current		Total Loans Receivables
Construction	$	335	$	—	$	—	$	335	$	7,973	$	8,308
1-4 family residential		1,172		26		2,946		4,144		107,054		111,198
Multi-family residential		—		—		—		—		18,582		18,582
Nonresidential		949		105		1,831		2,885		80,399		83,284
Land		8		—		3,080		3,088		15,993		19,081
Commercial		41		—		297		338		17,011		17,349
Consumer		44		—		3		47		3,793		3,840
	$	2,549	$	131	$	8,157	$	10,837	$	250,805	$	261,642

Schedule of corporation's nonaccrual loans

	2012		2011
Residential real estate
Construction	$	413	$	—
One-to-four family residential		2,687		4,304
Multi-family residential		1,104		—
Nonresidential real estate and agricultural land		1,678		2,161
Land (not used for agricultural purposes)		4,385		3,080
Commercial		567		297
Consumer and other		16		21
Total nonaccrual loans	$	10,850	$	9,863

Schedule of principal balances and specific valuation allocations for impaired loans

The following tables present information pertaining to the principal balances and specific valuation allocations for impaired loans, as well as the average balances of and interest recognized on impaired loans, as December 31, 2012:

	Recorded Investment		Unpaid Principal Balance		Specific Allowance		Average Investment		Interest Income Recognized
Impaired loans without specific allowance:
Construction	$	398	$	400	$	—	$	158	$	2
1-4 family residential		3,562		3,612		—		5,003		157
Multi-family residential		53		54		—		41		2
Nonresidential		3,278		4,439		—		3,692		70
Land		2,472		2,979		—		2,598		—
Commercial		386		418		—		423		17
Consumer		12		12		—		14		1
	$	10,161	$	11,914	$	—	$	11,929	$	249

	Recorded Investment		Unpaid Principal Balance		Specific Allowance		Average Investment		Interest Income Recognized
Impaired loans with specific allowance:
Construction	$	—	$	—	$	—		—	$	—
1-4 family residential		955		957		310		950		10
Multi-family residential		1,051		1,061		196		804		4
Nonresidential		—		—		—		—		—
Land		1,882		1,882		195		1,903		—
Commercial		179		186		93		92		—
Consumer		—		—		—		—		—
	$	4,067	$	4,086	$	794	$	3,749	$	14

	Recorded Investment		Unpaid Principal Balance		Specific Allowance		Average Investment		Interest Income Recognized
Total Impaired Loans:
Construction	$	398	$	400	$	—	$	158	$	2
1-4 family residential		4,517		4,569		310		5,953		167
Multi-family residential		1,104		1,115		196		845		6
Nonresidential		3,278		4,439		—		3,692		70
Land		4,354		4,861		195		4,501		—
Commercial		565		604		93		515		17
Consumer		12		12		—		14		1
	$	14,228	$	16,000	$	794	$	15,678	$	263

The following tables present information pertaining to the principal balances and specific valuation allocations for impaired loans, as well as the average balances of and interest recognized on impaired loans, as of December 31, 2011:

	Recorded Investment		Unpaid Principal Balance		Specific Allowance		Average Investment		Interest Income Recognized
Impaired loans without specific allowance:
Construction	$	—	$	—	$	—	$	159	$	1
1-4 family residential		3,064		3,249		—		2,722		153
Multi-family residential		1,966		1,966		—		2,052		77
Nonresidential		3,705		4,469		—		4,324		143
Land		2,329		2,329		—		3,635		44
Commercial		271		300		—		476		15
Consumer		17		17		—		9		—
	$	11,352	$	12,330	$	—	$	13,377	$	433

	Recorded Investment		Unpaid Principal Balance		Specific Allowance		Average Investment		Interest Income Recognized
Impaired loans with specific allowance:
Construction	$	—	$	—	$	—		—	$	—
1-4 family residential		3,267		3,267		913		3,232		58
Multi-family residential		—		—		—		—		—
Nonresidential		—		—		—		—		—
Land		2,643		2,643		519		2,436		42
Commercial		—		—		—		—		—
Consumer		—		—		—		—		—
	$	5,910	$	5,910	$	1,432	$	5,668	$	100

	Recorded Investment		Unpaid Principal Balance		Specific Allowance		Average Investment		Interest Income Recognized
Total Impaired Loans:
Construction	$	—	$	—	$	—	$	159	$	1
1-4 family residential		6,331		6,516		913		5,954		211
Multi-family residential		1,966		1,966		—		2,052		77
Nonresidential		3,705		4,469		—		4,324		143
Land		4,972		4,972		519		6,071		86
Commercial		271		300		—		476		15
Consumer		17		17		—		9		—
	$	17,262	$	18,240	$	1,432	$	19,045	$	533

Schedule of troubled debt restructurings by class

	At December 31, 2012				For the Year Ended December 31, 2012
	# of Loans		Total Troubled Debt Restructured		# of Loans		Current Balance		Pre-Modification Recorded Balance		Post-Modification Recorded Balance
Residential Real Estate
Construction		1	$	125		1	$	125	$	76	$	100
One-to-four family residential		9		3,629		3		573		574		593
Multi-family residential		1		1,050		1		1,051		1,068		1,082
Nonresidential real estate and agricultural land		5		2,210		—		—		—		—
Land not agricultural		4		4,241		3		2,359		2,547		2,547
Commercial		9		297		8		285		262		342
Consumer		—		—		—		—		—		—
		29	$	11,552		16	$	4,393	$	4,527	$	4,664

	At December 31, 2011				For the Year Ended December 31, 2011
	# of Loans		Total Troubled Debt Restructured		# of Loans		Current Balance		Pre-Modification Recorded Balance		Post-Modification Recorded Balance
Residential Real Estate
Construction		—	$	—		—	$	—	$	—	$	—
One-to-four family residential		10		3,551		4		1,358		1,364		1,363
Multi-family residential		1		1,966		1		1,966		1,735		1,987
Nonresidential real estate and agricultural land		5		2,405		2		1,285		1,408		1,285
Land not agricultural		1		1,971		—		—		—		—
Commercial		2		58		1		23		46		46
Consumer		1		17		1		17		18		19
		20	$	9,968		9	$	4,649	$	4,571	$	4,700

Schedule of troubled debt restructurings by type of modification

December 31, 2012	Interest Only		Term		Combination		Total Modifications
Residential Real Estate
Construction	$	—	$	125	$	—	$	125
One-to-four family residential		—		80		493		573
Multi-family residential		—		—		1,051		1,051
Nonresidential real estate and agricultural land		—		—		—		—
Land not agricultural		—		2,359		—		2,359
Commercial		—		—		285		285
Consumer		—		—		—		—
	$	—	$	2,564	$	1,829	$	4,393

December 31, 2011	Interest Only		Term		Combination		Total Modifications
Residential Real Estate
Construction	$	—	$	—	$	—	$	—
One-to-four family residential		—		1,358		—		1,358
Multi-family residential		—		—		1,966		1,966
Nonresidential real estate and agricultural land		—		329		956		1,285
Land not agricultural		—		—		—		—
Commercial		—		23		—		23
Consumer		—		—		17		17
	$	—	$	1,710	$	2,939	$	4,649