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NOTE 4 - ALLOWANCE FOR LOAN LOSSES (Tables)

6 Months Ended

Jun. 30, 2012

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

		For the three months ended June 30, 2012
		Commercial				Real Estate Commercial				Real Estate Construction				Real Estate Mortgage				Installment				Other				Unallocated				Total
Allowance for Loan Losses
Balance March 31, 2012		$	1,376			$	6,847			$	1,350			$	1,045			$	154			$	811			$	691			$	12,274
Charge-offs			(86	)			(1,178	)			(126	)			(190	)			(45	)			(47	)			—				(1,672	)
Recoveries			14				2				37				36				41				—				—				130
Provisions for loan losses			(44	)			915				126				34				(9	)			4				(26	)			1,000
Balance June 30, 2012		$	1,260			$	6,586			$	1,387			$	925			$	141			$	768			$	665			$	11,732

		For the three months ended June 30, 2011
						Real Estate				Real Estate				Real Estate
		Commercial				Commercial				Construction				Mortgage				Installment				Other				Unallocated				Total
Allowance for Loan Losses
Balance March 31, 2011		$	1,268			$	8,987			$	1,566			$	919			$	304			$	755			$	672			$	14,471
Charge-offs			—				(796	)			(197	)			(81	)			(124	)			—				—				(1,198	)
Recoveries			128				—				10				—				85				—				—				223
Provisions for loan losses			535				587				(40	)			177				(14	)			(10	)			15				1,250
Balance June 30, 2011		$	1,931			$	8,778			$	1,339			$	1,015			$	251			$	745			$	687			$	14,746

		For the six months ended June 30, 2012
						Real Estate					Real Estate			Real Estate
		Commercial				Commercial					Construction			Mortgage					Installment			Other				Unallocated				Total
Allowance for Loan Losses
Balance December 31, 2011		$	1,333			$	7,528			$	1,039			$	935			$	185			$	736			$	900			$	12,656
Charge-offs			(206	)			(1,617	)			(330	)			(190	)			(142	)			(72	)			—				(2,557	)
Recoveries			26				63				37				36				65				6				—				233
Provisions for loan losses			107				612				641				144				33				98				(235	)			1,400
Balance June 30, 2012		$	1,260			$	6,586			$	1,387			$	925			$	141			$	768			$	665			$	11,732

		As of June 30, 2012
Reserve to impaired loans		$	240			$	99			$	529			$	35			$	—			$	—			$	—			$	903
Reserve to non-impaired loans		$	1,020			$	6,487			$	858			$	890			$	141			$	768			$	665			$	10,829

		For the six months ended June 30, 2011
						Real Estate				Real Estate				Real Estate
		Commercial				Commercial				Construction				Mortgage				Installment				Other				Unallocated				Total
Allowance for Loan Losses
Balance December 31, 2010		$	1,517			$	8,439			$	1,936			$	956			$	339			$	666			$	1,140			$	14,993
Charge-offs			(874	)			(858	)			(197	)			(281	)			(292	)			(301	)			—				(2,803	)
Recoveries			138				—				10				—				158				—				—				306
Provisions for loan losses			1,150				1,197				(410	)			340				46				380				(453	)			2,250
Balance June 30, 2011		$	1,931			$	8,778			$	1,339			$	1,015			$	251			$	745			$	687			$	14,746

		As of June 30, 2011
Reserve to impaired loans		$	835			$	915			$	—			$	130			$	—			$	—			$	—			$	1,880
Reserve to non-impaired loans		$	1,096			$	7,863			$	1,339			$	885			$	251			$	745			$	687			$	12,866

		As of December 31, 2011
Reserve to impaired loans		$	450			$	606			$	504			$	37			$	13			$	—			$	—			$	1,610
Reserve to non-impaired loans		$	883			$	6,922			$	535			$	898			$	172			$	736			$	900			$	11,046

Schedule Of Loan Portfolio By Segment [Table Text Block]

Loans		As of June 30, 2012
							Real Estate				Real Estate			Real Estate
			Commercial				Commercial				Construction			Mortgage				Installment			Other				Total
Total Loans			$	43,471			$	282,957			$	28,927		$	45,511			$	7,920		$	46,687			$	455,473
Impaired Loans			$	1,113			$	5,945			$	8,381		$	941			$	136		$	111			$	16,627
Non-impaired loans			$	42,358			$	277,012			$	20,546		$	44,570			$	7,784		$	46,576			$	438,846

		As of December 31, 2011
						Real Estate				Real Estate			Real Estate
		Commercial				Commercial				Construction			Mortgage				Installment			Other				Total

Total Loans		$	46,160			$	276,644			$	27,463		$	47,362			$	10,925		$	47,965			$	456,519
Impaired Loans		$	1,788			$	5,998			$	9,440		$	938			$	107		$	88			$	18,359
Non-impaired loans		$	44,372			$	270,646			$	18,023		$	46,424			$	10,818		$	47,877			$	438,160

Concentration Risk, Credit Risk, Loan Products

		As of June 30, 2012
		Pass				Special Mention			Substandard				Doubtful				Total
Commercial		$	41,779			$	-		$	1,692			$	—			$	43,471
Real estate - commercial			260,721				3,883			18,353				—				282,957
Real estate - construction			19,939				356			8,632				—				28,927
Real estate - mortgage			42,910				—			2,601				—				45,511
Installment			7,780				—			140				—				7,920
Other			46,404				—			283				—				46,687
Total		$	419,533			$	4,239		$	31,701			$	—			$	455,473

		As of December 31, 2011
		Pass				Special Mention			Substandard				Doubtful				Total
Commercial		$	39,319			$	3,067		$	3,774			$	—			$	46,160
Real estate - commercial			248,696				5,055			22,893				—				276,644
Real estate - construction			17,624				167			9,672				—				27,463
Real estate - mortgage			43,760				886			2,716				—				47,362
Installment			10,702				—			223				—				10,925
Other			47,638				—			327				—				47,965
Total		$	407,739			$	9,175		$	39,605			$	—			$	456,519

Description of loan products whose terms, when considered either individually or as a group, may increase an entity's exposure to credit risk. Loan products having the following characteristics are examples of products that may create risk: (1) borrowers subject to significant payment increases, (2) loans that permit negative amortization, and (3) loans with high loan-to-value ratios. Includes disclosures of information about the shared characteristic that identifies the concentration, the maximum amount of loss due to credit risk that would be incurred if the borrower failed completely to perform and any security or collateral proved to be of no value, and the entity's policy of requiring collateral or other security for these loan products, including information about the entity's access to the collateral and a brief description of the collateral.

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