Note 4 - Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2013

Disclosure Text Block Supplement [Abstract]

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

September 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	$	-		$	-	$	(4	)	$	113	$	-	$	113	$	6,804	$	-	$	6,804
Land acquisition, development & commercial		811		-			-		(72	)		739		-		739		20,120		1,550		18,570
Real estate:
Residential		725		(301	)		81		382			887		163		724		68,733		664		68,069
Commercial		1,054		(88	)		250		(245	)		971		-		971		124,585		9,341		115,244
Commercial, industrial & agricultural		459		(27	)		-		(125	)		307		10		297		38,656		326		38,330
Equity lines		386		-			2		(39	)		349		-		349		19,409		-		19,409
Consumer		145		(148	)		-		61			58		-		58		9,017		-		9,017
Unallocated		93		-			-		167			260		-		260		-		-		-
Total	$	3,790	$	(564	)	$	333	$	125		$	3,684	$	173	$	3,511	$	287,324	$	11,881	$	275,443

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	$	6,804	$	-	$	-	$	-	$	6,804
Land acquisition, development & commercial		18,570		-		1,550		-		20,120
Real estate:
Residential		63,610		4,379		225		519		68,733
Commercial		120,497		425		3,663		-		124,585
Commercial, industrial & agricultural		37,589		105		778		184		38,656
Equity lines		19,350		-		-		59		19,409
Consumer		8,978		-		-		39		9,017
Total	$	275,398	$	4,909	$	6,216	$	801	$	287,324

(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