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NOTE 4 - ALLOWANCE FOR LOAN LOSSES (Tables)

12 Months Ended

Dec. 31, 2012

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

		As of December 31, 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			(480	)			(2,681	)			(822	)			(353	)			(221	)			(145	)							(4,702	)
Recoveries			110				63				80				39				103				9								404
Provisions for loan losses			(120	)			1,385				393				361				31				121				(71	)			2,100
Balance December 31, 2012		$	843			$	6,295			$	690			$	982			$	98			$	721			$	829			$	10,458

Reserve to impaired loans		$	—			$	171			$	18			$	—			$	—			$	—							$	189
Reserve to non-impaired loans		$	843			$	6,124			$	672			$	982			$	98			$	721			$	829			$	10,269

		As of December 31, 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			(928	)			(2,917	)			(405	)			(440	)			(345	)			(490	)							(5,525	)
Recoveries			212				108				10				2				206				—								538
Provisions for loan losses			532				1,898				(502	)			417				(15	)			560				(240	)			2,650
Balance December 31, 2011		$	1,333			$	7,528			$	1,039			$	935			$	185			$	736			$	900			$	12,656

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

		As of December 31, 2010
						Real Estate				Real Estate				Real Estate
		Commercial				Commercial				Construction				Mortgage				Installment				Other				Unallocated				Total

Allowance for Loan Losses
Balance December 31, 2009		$	2,018			$	8,702			$	3,800			$	737			$	391			$	451			$	2,440			$	18,539
Charge-offs			(862	)			(3,400	)			(6,663	)			(704	)			(732	)			(154	)							(12,515	)
Recoveries			76				391				40				—				490				2								999
Provisions for loan losses			285				2,746				4,759				923				190				367				(1,300	)			7,970
Balance December 31, 2010		$	1,517			$	8,439			$	1,936			$	956			$	339			$	666			$	1,140			$	14,993

Reserve to impaired loans		$	327			$	563			$	—			$	153			$	—			$	—							$	1,043
Reserve to non-impaired loans		$	1,190			$	7,876			$	1,936			$	803			$	339			$	666			$	1,140			$	13,950

Loans
Balance December 31, 2012		$	46,078			$	295,630			$	23,003			$	74,353			$	6,689			$	45,941							$	491,694
Impaired Loans		$	585			$	2,962			$	1,371			$	684			$	122			$	111							$	5,835
Non-impaired loans		$	45,493			$	292,668			$	21,632			$	73,669			$	6,567			$	45,830							$	485,859

Loans
Balance December 31, 2011		$	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 December 31, 2012
		Pass				Special Mention				Substandard				Doubtful				Total
Commercial		$	44,486			$	129			$	1,463			$	—			$	46,078
Real estate - commercial			278,834				—				16,796				—				295,630
Real estate - construction			21,386				—				1,617				—				23,003
Real estate - mortgage			71,973				—				2,380				—				74,353
Installment			6,562				—				127				—				6,689
Other			45,658				—				283				—				45,941
Total		$	468,899			$	129			$	22,666			$	—			$	491,694

		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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