Note 4 - Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2013

Disclosure Text Block Supplement [Abstract]

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

June 30, 2013	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	$	117	$	-		$	-	$	20		$	137	$	-	$	137	$	6,676	$	-	$	6,676
Land acquisition, development & commercial		811		-			-		(312	)		499		-		499		18,148		1,915		16,233
Real estate:
Residential		725		(446	)		55		555			889		126		763		67,422		707		66,715
Commercial		1,054		(88	)		251		19			1,236		-		1,236		124,176		9,377		114,799
Commercial, Industrial & agricultural		459		(27	)		-		(153	)		279		-		279		37,218		605		36,613
Equity lines		386		-			2		(90	)		298		-		298		19,668		-		19,668
Consumer		145		(2	)		-		(82	)		61		-		61		9,342		-		9,342
Unallocated		93		-			-		168			261		-		261		-		-		-
Total	$	3,790	$	(563	)	$	308	$	125		$	3,660	$	126	$	3,534	$	282,650	$	12,604	$	270,046

December 31, 2012	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

Financing Receivable Credit Quality Indicators [Table Text Block]

(Dollars In Thousands)	Pass		Special Mention		Substandard Accruing		Substandard Nonaccrual		Total
Construction loans:
Residential	$	6,676	$	-	$	-	$	-	$	6,676
Land acquisition, development & commercial		16,536		-		1,550		62		18,148
Real estate:
Residential		61,864		4,404		226		928		67,422
Commercial		118,681		2,439		3,056		-		124,176
Commercial, Industrial & agricultural		36,382		114		549		173		37,218
Equity lines		19,608		-		-		60		19,668
Consumer		9,342		-		-		-		9,342
Total	$	269,089	$	6,957	$	5,381	$	1,223	$	282,650

(Dollars In Thousands)	Pass		Special Mention		Substandard Accruing		Substandard Nonaccrual		Total
Construction loans:
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