Note 4 - Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2012

Allowance for Credit Losses on Financing Receivables [Table Text Block]

	Allowance for loan losses																Loans
Class of Loan In thousands of dollars	Beginning balance		Charge- offs			Recoveries		Provisions			Ending balance		Ending balance: individually evaluated for impairment		Ending balance: collectively evaluated for impairment		Ending balance		Ending balance: individually evaluated for impairment		Ending balance: collectively evaluated for impairment
Construction loans:
Residential	$	90	$	—		$	—	$	27		$	117	$	—	$	117	$	5,036	$	—	$	5,036
Land acquisition, development & commercial		953		(519	)		—		377			811		—		811		20,198		3,632		16,566
Real estate:
Residential		538		(151	)		—		338			725		137		588		69,691		810		68,881
Commercial		1,314		(478	)		18		200			1,054		71		983		109,302		10,157		99,145
Commercial, Industrial & agricultural		628		(71	)		—		(98	)		459		—		459		42,382		916		41,466
Equity lines		313		(393	)		—		466			386		—		386		20,504		115		20,389
Consumer		143		(4	)		1		5			145		—		145		7,824		—		7,824
Unallocated		—		—			—		93			93		—		93		—		—		—
Total	$	3,979	$	(1,616	)	$	19	$	1,408		$	3,790	$	208	$	3,582	$	274,937	$	15,630	$	259,307

	Allowance for loan losses																Loans
Class of Loan In thousands of dollars	Beginning balance		Charge- offs			Recoveries		Provisions			Ending balance		Ending balance: individually evaluated for impairment		Ending balance: collectively evaluated for impairment		Ending balance		Ending balance: individually evaluated for impairment		Ending balance: collectively evaluated for impairment
Construction loans:
Residential	$	121	$	(150	)	$	—	$	119		$	90	$	—	$	90	$	3,695	$	—	$	3,695
Land acquisition, development & commercial		1,802		(1,500	)		—		651			953		249		704		23,911		2,975		20,936
Real estate:
Residential		785		(170	)		—		(77			538		—		538		58,070		714		57,356
Commercial		1,556		(356	)		—		114			1,314		292		1,022		102,312		11,588		90,724
Commercial, Industrial & agricultural		702		(139	)		—		65	)		628		—		628		36,297		—		36,297
Equity lines		222		(158	)		—		249			313		88		225		19,018		642		18,376
Consumer		40		(1	)		3		101			143		—		143		5,776		—		5,776
Total	$	5,228	$	(2,474	)	$	3	$	1,222		$	3,979	$	629	$	3,350	$	249,079	$	15,919	$	233,160

Financing Receivable Credit Quality Indicators [Table Text Block]

(Dollars In Thousands)	Pass		Special Mention		Substandard Accruing		Substandard Nonaccrual		Total
Construction:
Residential	$	5,036	$	–	$	–	$	–	$	5,036
Land acquisition, development & commercial		16,479		–		1,963		1,756		20,198
Real Estate:
Residential		63,299		5,581		229		582		69,691
Commercial		103,010		2,479		3,577		236		109,302
Commercial, industrial & agricultural		41,313		131		938		–		42,382
Equity lines		20,364		25		–		115		20,504
Consumer		7,824		–		–		–		7,824
Total	$	257,325	$	8,216	$	6,707	$	2,689	$	274,937

2011 [Member]

Financing Receivable Credit Quality Indicators [Table Text Block]

(Dollars In Thousands)	Pass		Special Mention		Substandard Accruing		Substandard Nonaccrual		Doubtful Nonaccrual		Total
Construction:
Residential	$	3,695	$	–	$	–	$	–	$	–	$	3,695
Land acquisition, development & commercial		21,039		–		2,240		433		199		23,911
Real Estate:
Residential		56,767		589		–		714		–		58,070
Commercial		90,421		2,721		9,170		–		–		102,312
Commercial, industrial & agricultural		35,136		178		940		43		–		36,297
Equity lines		18,375		–		–		643		–		19,018
Consumer		5,776		–		–		–		–		5,776
Total	$	231,209	$	3,488	$	12,350	$	1,833	$	199	$	249,079