Note 3 - Loans Receivable (Tables)

6 Months Ended

Jun. 30, 2013

Receivables [Abstract]

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

(Dollars In Thousands)	June 30, 2013			December 31, 2012
Construction loans:
Residential	$	6,676		$	5,036
Land acquisition, development & commercial		18,148			20,198
Real estate:
Residential		67,422			69,691
Commercial		124,176			109,302
Commercial, Industrial & agricultural		37,218			42,382
Equity lines		19,668			20,504
Consumer		9,342			7,824
Total		282,650			274,937
Less allowance for loan losses		(3,660	)		(3,790	)
Loans, net	$	278,990		$	271,147

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 loans:
Residential	$	-	$	-	$	-	$	-	$	6,676	$	6,676	$	-
Land acquisition, development & commercial		-		-		62		62		18,086		18,148		62
Real estate:
Residential		482		-		446		928		66,494		67,422		928
Commercial		-		-		-		-		124,176		124,176		-
Commercial, Industrial & agricultural		-		28		-		28		37,190		37,218		173
Equity lines		173		60		-		233		19,435		19,668		60
Consumer		-		4		-		4		9,338		9,342		-
Total	$	655	$	92	$	508	$	1,255	$	281,395	$	282,650	$	1,223

(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 loans:
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

Impaired Financing Receivables [Table Text Block]

June 30, 2013 With no related allowance: (Dollars In Thousands)	Recorded Investment in Loans		Unpaid Principal Balance		Related Allowance		Average Balance Total Loans		Interest Income Recognized
Construction loans:
Residential	$	-	$	-	$	-	$	-	$	-
Land acquisition, development & commercial		1,915		1,975		-		1,921		49
Real estate:
Residential		268		414		-		420		10
Commercial		9,377		9,376		-		9,393		243
Commercial, Industrial & agricultural		605		605		-		1,124		38
Equity lines		-		-		-		-		-
Consumer		-		-		-		-		-
Total loans with no allowance	$	12,165	$	12,370	$	-	$	12,858	$	340

June 30, 2013 With an allowance recorded: (Dollars In Thousands)	Recorded Investment in Loans		Unpaid Principal Balance		Related Allowance		Average Balance Total Loans		Interest Income Recognized
Construction loans:
Residential	$	-	$	-	$	-	$	-	$	-
Land acquisition, development & commercial		-		-		-		-		-
Real estate:
Residential		439		439		126		440		10
Commercial		-		-		-		-		-
Commercial, Industrial & agricultural		-		-		-		-		-
Equity lines		-		-		-		-		-
Consumer		-		-		-		-		-
Total loans with an allowance	$	439	$	439	$	126	$	440	$	10

December 31, 2012 With no related allowance: (Dollars In Thousands)	Recorded Investment in Loans		Unpaid Principal Balance		Related Allowance		Average Balance Total Loans		Interest Income Recognized
Construction loans:
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 loans:
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

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:		-		-		-
Residential		1		202		202
Commercial		-		-		-
Commercial, Industrial & agricultural		-		-		-
Equity lines		-		-		-
Consumer		-		-		-
Total Loans		1	$	202	$	202