Note 3 - Loans Receivable (Tables)

12 Months Ended

Dec. 31, 2012

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

(Dollars In Thousands)	December 31,
	2012			2011
Construction:
Residential	$	5,036		$	3,695
Land acquisition, development & commercial		20,198			23,911
Real Estate:
Residential		69,691			58,070
Commercial		109,302			102,312
Commercial, industrial & agricultural		42,382			36,297
Equity lines		20,504			19,018
Consumer		7,824			5,776
	$	274,937		$	249,079
Less allowance for loan losses		(3,790	)		(3,979	)
Loans, net	$	271,147		$	245,100

Past Due Financing Receivables [Table Text Block]

(Dollars In Thousands)	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Total Loans		Nonaccrual  Loans
Construction:
Residential	$	–	$	–	$	–	$	–	$	5,036	$	5,036	$	–
Land acquisition, development & commercial		–		723		1,034		1,757		18,441		20,198		1,756
Real Estate:
Residential		–		562		184		746		68,945		69,691		582
Commercial		–		–		236		236		109,066		109,302		236
Commercial, industrial & agricultural		–		157		–		157		42,225		42,382		–
Equity lines		60		–		115		175		20,329		20,504		115
Consumer		–		–		–		–		7,824		7,824		–
Total	$	60	$	1,442	$	1,569	$	3,071	$	271,866	$	274,937	$	2,689

(Dollars In Thousands)	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past  Due		Current		Total Loans		Nonaccrual  Loans
Construction:
Residential	$	–	$	–	$	–	$	–	$	3,695	$	3,695	$	–
Land acquisition, development & commercial		–		464		632		1,096		22,815		23,911		632
Real Estate:
Residential		–		535		179		714		57,356		58,070		714
Commercial		–		–		–		–		102,312		102,312		–
Commercial, industrial & agricultural		55		–		43		98		36,199		36,297		43
Equity lines		–		–		643		643		18,375		19,018		643
Consumer		–		–		–		–		5,776		5,776		–
Total	$	55	$	999	$	1,497	$	2,551	$	246,528	$	249,079	$	2,032

Impaired Financing Receivables [Table Text Block]

December 31, 2012 With no related allowance:	Recorded  Investment in Loans		Unpaid Principal Balance		Related Allowance		Average Balance  Total Loans		Interest Income  Recognized
(Dollars In Thousands)
Construction:
Residential	$	–	$	–	$	–	$	–	$	–
Land acquisition, development & commercial		3,632		3,692		–		3,647		187
Real Estate:
Residential		611		611		–		611		23
Commercial		9,018		9,018		–		9,018		440
Commercial, industrial & agricultural		916		916		–		916		33
Equity lines		115		439		–		115		–
Consumer		–		–		–		–		–
Total loans with no allowance	$	14,292	$	14,676	$	–	$	14,307	$	683

December 31, 2012 With an allowance recorded: (Dollars In Thousands)	Recorded  Investment  in Loans		Unpaid  Principal Balance		Related Allowance		Average Balance Total Loans		Interest  Income  Recognized
Construction:
Residential	$	–	$	–	$	–	$	–	$	–
Land acquisition, development & commercial		–		–		–		–		–
Real Estate:
Residential		199		199		137		199		13
Commercial		1,139		1,139		71		1,139		74
Commercial, industrial & agricultural		–		–		–		–		–
Equity lines		–		–		–		–		–
Consumer		–		–		–		–		–
Total  loans with an allowance	$	1,338	$	1,338	$	208	$	1,338	$	87

December 31, 2011 With no related allowance: (Dollars In Thousands)	Recorded  Investment  in Loans		Unpaid Principal Balance		Related Allowance		Average Balance Total Loans		Interest Income Recognized
Construction:
Residential	$	–	$	–	$	–	$	917	$	–
Land acquisition, development & commercial		2,174		3,300		–		2,815		100
Real Estate:
Residential		714		714		–		1,868		27
Commercial		8,508		8,508		–		7,201		383
Commercial, industrial & agricultural		–		–		–		218		–
Equity lines		439		439		–		175		5
Consumer		–		–		–		–		–
Total loans with no allowance	$	11,835	$	12,961	$	–	$	13,194	$	515

December 31, 2011 With an allowance recorded: (Dollars In Thousands)	Recorded Investment in Loans		Unpaid Principal Balance		Related Allowance		Average Balance Total  Loans		Interest Income Recognized
Construction:
Residential	$	–	$	–	$	–	$	288	$	–
Land acquisition, development & commercial		801		801		249		3,024		38
Real Estate:
Residential		–		–		–		137		–
Commercial		3,080		3,080		292		2,386		183
Commercial, industrial & agricultural		–		–		–		–		–
Equity lines		203		203		88		108		5
Consumer		–		–		–		–		–
Total  loans with an allowance	$	4,084	$	4,084	$	629	$	5,943	$	226

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	Loans modified as TDR's For the year ended December 31, 2012
Class of Loan	Number of Contracts		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
			(In thousands)
Construction loans:
Residential		—	$	—	$	—
Land acquisition, development & commercial		—		—		—
Real estate loans:		—		—		—
Residential		1		202		202
Commercial		—		—		—
Commercial, industrial, agricultural		—		—		—
Equity lines		—		—		—
Consumer		—		—		—
Total Loans		1	$	202	$	202

	Loans modified as TDR's For the year ended December 31, 2011
Class of Loan	Number of Contracts		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
			(In thousands)
Construction loans:
Residential		—	$	—	$	—
Land acquisition, development & commercial		—		—		—
Real estate loans:		—		—		—
Residential		—		—		—
Commercial		2		6,671		6,421
Commercial, industrial, agricultural		—		—		—
Equity lines		—		—		—
Consumer		—		—		—
Total Loans		2	$	6,671	$	6,421