NOTE 4 - ALLOWANCE FOR LOAN LOSSES (Tables)

3 Months Ended

Mar. 31, 2013

Loans and Leases Receivable, Allowance [Abstract]

Schedule of changes in allowance for loan losses

	For the three months ended March 31, 2013
				Real Estate			Real Estate			Real Estate
	Commercial			Commercial			Construction			Mortgage			Installment			Other			Unallocated			Total
Allowance for Loan Losses
Balance December 31, 2012	$	843		$	6,295		$	690		$	982		$	98		$	721		$	829		$	10,458
Charge-offs		(83	)		(437	)		(369	)		(156	)		(11	)								(1,056	)
Recoveries		242			—			2			—			5			—			—			249
Provisions for loan losses		168			(138	)		272			112			(5	)		(45	)		(364	)		—
Balance March 31, 2013	$	1,170		$	5,720		$	595		$	938		$	87		$	676		$	465		$	9,651

	As of March 31, 2013
Reserve to impaired loans	$	287	$	—	$	—	$	—	$	—	$	—	$	—	$	287
Reserve to non-impaired loans	$	883	$	5,720	$	595	$	938	$	87	$	676	$	465	$	9,364

	For the three months ended March 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		(120	)		(439	)		(204	)		—		(97	)		(25	)		—			(885	)
Recoveries		12			61			—			—		24			6			—			103
Provisions for loan losses		151			(303	)		515			110		42			94			(209	)		400
Balance March 31, 2012	$	1,376		$	6,847		$	1,350		$	1,045	$	154		$	811		$	691		$	12,274

	As of March 31, 2012
Reserve to impaired loans	$	371	$	2	$	520	$	47	$	—	$	34			$	974
Reserve to non-impaired loans	$	1,005	$	6,845	$	830	$	998	$	154	$	777	$	691	$	11,300

	As of December 31, 2012
Reserve to impaired loans	$	—	$	171	$	18	$	—	$	—	$	—			$	189
Reserve to non-impaired loans	$	843	$	6,124	$	672	$	982	$	98	$	721	$	829	$	10,269

Schedule of loan portfolio by segment

As of March 31, 2013
			Real Estate		Real Estate		Real Estate
Loans	Commercial		Commercial		Construction		Mortgage		Installment		Other		Total
Total Loans	$	48,300	$	297,516	$	21,438	$	70,514	$	6,012	$	44,462	$	488,242
Impaired Loans	$	563	$	5,695	$	1,186	$	1,231	$	121	$	155	$	8,951
Non-impaired loans	$	47,737	$	291,821	$	20,252	$	69,283	$	5,891	$	44,307	$	479,291

	As of December 31, 2012
			Real Estate		Real Estate		Real Estate
	Commercial		Commercial		Construction		Mortgage		Installment		Other		Total
Total Loans	$	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

Schedule of loan portfolio allocated by management's internal risk ratings

	As of March 31, 2013
	Pass		Special Mention		Substandard		Doubtful		Total
Commercial	$	45,850	$	989	$	1,461	$	—	$	48,300
Real estate - commercial		280,970		2,815		13,731		—		297,516
Real estate - construction		20,619		—		819		—		21,438
Real estate - mortgage		69,437		—		1,077		—		70,514
Installment		5,886		—		126		—		6,012
Other		44,177		—		285		—		44,462
Total	$	466,939	$	3,804	$	17,499	$	—	$	488,242

	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