Note 7 - Deposits (Tables)

12 Months Ended

Dec. 31, 2012

Schedule of Deposits [Table Text Block]

	December 31, 2012								December 31, 2011
	Weighted Average Rate			Balance		Percentage of Deposits			Weighted Average Rate			Balance		Percentage of Deposits
Demand		0.00	%	$	48,862,874		9.8	%		0.00	%	$	56,315,467		11.6	%
NOW		0.41	%		86,422,323		17.3	%		0.56	%		81,804,342		16.9	%
Money market		0.63	%		191,054,957		38.2	%		0.77	%		169,759,166		35.0	%
Savings		0.14	%		23,659,368		4.7	%		0.44	%		21,295,855		4.4	%
		0.45	%		349,999,522		70.0	%		0.56	%		329,174,830		67.9	%
Certificates:
0% - 1.99%		0.93	%		139,257,653		27.9	%		1.08	%		127,813,801		26.4	%
2.00% - 3.99%		2.59	%		7,049,432		1.4	%		2.88	%		15,059,924		3.1	%
4.00% - 6.00%		5.03	%		3,708,108		0.7	%		5.05	%		12,535,110		2.6	%
		1.11	%		150,015,193		30.0	%		1.57	%		155,408,835		32.1	%
Total Deposits		0.65	%	$	500,014,715		100.0	%		0.89	%	$	484,583,665		100.0	%

Summary of Certificates of Deposits by Maturity [Table Text Block]

2013	$	90,458,398
2014		32,391,050
2015		14,397,163
2016		7,192,495
2017		5,067,428
Thereafter		508,659
	$	150,015,193

Summary of Interest Expense on Deposits [Table Text Block]

	Years ended December 31,
	2012			2011			2010
NOW and Money Market accounts	$	2,011,796		$	2,580,341		$	3,968,205
Savings accounts		80,968			118,432			140,382
Certificate accounts		1,999,060			3,099,265			5,536,701
Early withdrawal penalties		(15,630	)		(19,775	)		(17,155	)
	$	4,076,194		$	5,778,263		$	9,628,133