XML 50 R28.htm IDEA: XBRL DOCUMENT v2.4.0.6
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