NOTE 4 - ALLOWANCE FOR LOAN LOSSES (Tables)

6 Months Ended

Jun. 30, 2013

Loans and Leases Receivable, Allowance [Abstract]

Schedule of changes in allowance for loan losses

	For the three months ended June 30, 2013
				Real Estate			Real Estate			Real Estate
	Commercial			Commercial			Construction			Mortgage			Installment			Other				Unallocated	Total
Allowance for Loan Losses
Balance March 31, 2013	$	1,170		$	5,720		$	595		$	938		$	87		$	676		$	465	$	9,651
Charge-offs		(26	)		(3	)		—			(46	)		(17	)		(55	)				(147	)
Recoveries		16			—			1			2			4			—					23
Provisions for loan losses		(313	)		(230	)		(157	)		26			93			299			282		—
Balance June 30, 2013	$	847		$	5,487		$	439		$	920		$	167		$	920		$	747	$	9,527

	For the three months ended June 30, 2012
				Real Estate			Real Estate			Real Estate
	Commercial			Commercial			Construction			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 six months ended June 30, 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		(109	)		(440	)		(369	)		(202	)		(28	)		(55	)					(1,203	)
Recoveries		258			—			3			2			9			—						272
Provisions for loan losses		(145	)		(368	)		115			138			88			254			(82	)		—
Balance June 30, 2013	$	847		$	5,487		$	439		$	920		$	167		$	920		$	747		$	9,527
		As of June 30, 2013
Reserve to impaired loans	$	88		$	—		$	—		$	164		$	—		$	140					$	392
Reserve to non-impaired loans	$	759		$	5,487		$	439		$	756		$	167		$	780		$	747		$	9,135

	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
		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 June 30, 2013
			Real Estate		Real Estate		Real Estate
	Commercial		Commercial		Construction		Mortgage		Installment		Other		Total
Total Loans	$	49,054	$	319,206	$	18,535	$	68,637	$	6,026	$	42,547	$	504,005
Impaired Loans	$	648	$	5,002	$	860	$	1,337	$	116	$	393	$	8,356
Non-impaired loans	$	48,406	$	314,204	$	17,675	$	67,300	$	5,910	$	42,154	$	495,649

	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 June 30, 2013
	Pass		Special Mention		Substandard		Doubtful		Total
Commercial	$	46,828	$	1,035	$	1,191	$	—	$	49,054
Real estate - commercial		304,743		2,780		11,683		—		319,206
Real estate - construction		18,037		—		498		—		18,535
Real estate - mortgage		67,596		—		1,041		—		68,637
Installment		5,907		—		119		—		6,026
Other		41,957		—		590		—		42,547
Total	$	485,068	$	3,815	$	15,122	$	—	$	504,005

		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