Loans and Related Allowace for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2012

Loans and Related Allowance for Credit Losses [Abstract]

Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating [Table Text Block]

As of June 30, 2012	Pass	Special Mention	Substandard	Doubtful	Total
Commercial, financial and agricultural	$     17,894	$       1,580	$          695	$             -	$     20,169
Real estate - commercial	53,440	7,815	4,807	40	66,102
Real estate - construction	10,003	635	170	2,411	13,219
Real estate - mortgage	150,350	6,506	2,077	3,671	162,604
Obligations of states and political subdivisions	12,384	-	-	-	12,384
Personal	5,950	10	4	-	5,964
Total	$   250,021	$     16,546	$       7,753	$       6,122	$   280,442

As of December 31, 2011	Pass	Special Mention	Substandard	Doubtful	Total
Commercial, financial and agricultural	$     17,657	$          671	$       1,089	$             -	$     19,417
Real estate - commercial	48,108	8,898	3,768	-	60,774
Real estate - construction	14,616	1,022	720	1,150	17,508
Real estate - mortgage	161,607	7,513	3,758	3,666	176,544
Obligations of states and political subdivisions	8,780	-	-	-	8,780
Personal	6,640	18	-	-	6,658
Total	$   257,408	$     18,122	$       9,335	$       4,816	$   289,681

Impaired Loans by Loan Portfolio Class [Table Text Block]

	As of June 30, 2012			As of December 31, 2011
Impaired loans	Recorded Investment	Unpaid Principal Balance	Related Allowance	Recorded Investment	Unpaid Principal Balance	Related Allowance
With no related allowance recorded:
Commercial, financial and agricultural	$          197	$          197		$          238	$          238
Real estate - commercial	2,747	2,747		2,312	2,312
Real estate - construction	1,297	1,297		720	720
Real estate - mortgage	541	541		2,254	2,254
With an allowance recorded:
Real estate - construction	$       1,114	$       1,114	$          295	$       1,150	$       1,150	$          343
Real estate - mortgage	3,053	3,053	1,571	2,865	2,865	432
Total:
Commercial, financial and agricultural	$          197	$          197	$               -	$          238	$          238	$               -
Real estate - commercial	2,747	2,747	-	2,312	2,312	-
Real estate - construction	2,411	2,411	295	1,870	1,870	343
Real estate - mortgage	3,594	3,594	1,571	5,119	5,119	432
	$       8,949	$       8,949	$       1,866	$       9,539	$       9,539	$          775

Average of Impaired Loans and Related Interest Income by Loan Portfolio Class [Table Text Block]

	Three Months Ended  June 30,  2012			Three Months Ended June 30, 2011
Impaired loans	Average Recorded Investment	Interest Income Recognized	Cash Basis Interest Income	Average Recorded Investment	Interest Income Recognized	Cash Basis Interest Income
With no related allowance recorded:
Commercial, financial and agricultural	$          207	$              3	$               -	$          281	$              5	$               -
Real estate - commercial	2,764	40	-	2,348	35	2
Real estate - construction	649	-	-	125	-	-
Real estate - mortgage	550	-	-	1,906	(10)	3
With an allowance recorded:
Real estate - construction	$       1,007	$              3	$               -	$       1,025	$               -	$               -
Real estate - mortgage	3,724	-	-	1,143	-	-
Total:
Commercial, financial and agricultural	$          207	$              3	$               -	$          281	$              5	$               -
Real estate - commercial	2,764	40	-	2,348	35	2
Real estate - construction	1,656	3	-	1,150	-	-
Real estate - mortgage	4,274	-	-	3,049	(10)	3
	$       8,901	$            46	$               -	$       6,828	$            30	$              5

	Six Months Ended  June 30,  2012			Six Months Ended June 30, 2011
Impaired loans	Average Recorded Investment	Interest Income Recognized	Cash Basis Interest Income	Average Recorded Investment	Interest Income Recognized	Cash Basis Interest Income
With no related allowance recorded:
Commercial, financial and agricultural	$          218	$              7	$               -	$          290	$            10	$               -
Real estate - commercial	2,530	81	-	2,363	68	2
Real estate - construction	1,009	-	-	167	-	-
Real estate - mortgage	1,398	-	-	2,154	13	3
With an allowance recorded:
Real estate - construction	$       1,132	$              3	$               -	$          983	$               -	$               -
Real estate - mortgage	2,959	-	-	1,174	-	-
Total:
Commercial, financial and agricultural	$          218	$              7	$               -	$          290	$            10	$               -
Real estate - commercial	2,530	81	-	2,363	68	2
Real estate - construction	2,141	3	-	1,150	-	-
Real estate - mortgage	4,357	-	-	3,328	13	3
	$       9,246	$            91	$               -	$       7,131	$            91	$              5

Nonaccrual Loans by Classes of the Loan Portfolio [Table Text Block]

Nonaccrual loans:	June 30, 2012	December 31, 2011
Commercial, financial and agricultural	$                            -	$                         2
Real estate - commercial	492	520
Real estate - construction	2,411	1,497
Real estate - mortgage	4,732	5,928
Total	$                    7,635	$                  7,947

Loan Portfolio Summarized by the Past Due Status [Table Text Block]

As of June 30, 2012	30-59 Days Past Due	60-89 Days Past Due	Greater than 90 Days	Total Past Due	Current	Total Loans	Loans Past Due greater than 90 Days and Accruing
Commercial, financial and agricultural	$       177	$            -	$         26	$      203	$   19,966	$     20,169	$               26
Real estate - commercial	541	646	1,809	2,996	63,106	66,102	1,317
Real estate - construction	365	-	2,569	2,934	10,285	13,219	158
Real estate - mortgage	2,256	447	4,521	7,224	155,380	162,604	726
Obligations of states and political subdivisions	-	-	-	-	12,384	12,384	-
Personal	31	4	5	40	5,924	5,964	5
Total	$    3,370	$    1,097	$    8,930	$ 13,397	$ 267,045	$   280,442	$          2,232

As of December 31, 2011	30-59 Days Past Due	60-89 Days Past Due	Greater than 90 Days	Total Past Due	Current	Total Loans	Loans Past Due greater than 90 Days and Accruing
Commercial, financial and agricultural	$       220	$           2	$         30	$      252	$   19,165	$     19,417	$               30
Real estate - commercial	245	466	1,319	2,030	58,744	60,774	799
Real estate - construction	278	32	2,030	2,340	15,168	17,508	533
Real estate - mortgage	2,871	145	7,303	10,319	166,225	176,544	1,375
Obligations of states and political subdivisions	-	-	-	-	8,780	8,780	-
Personal	50	11	6	67	6,591	6,658	6
Total	$    3,664	$       656	$  10,688	$ 15,008	$ 274,673	$   289,681	$          2,743

Allowance for Loan Losses and Recorded Investments in Loans Receivable [Table Text Block]

	Commercial, financial and agricultural	Real estate - commercial	Real estate - construction	Real estate - mortgage	Personal	Total
Beginning Balance, April 1, 2012	$          194	$          403	$             271	$       2,951	$             64	$ 3,883
Charge-offs	(2)	-	-	(21)	-	(23)
Recoveries	4	-	-	-	-	4
Provisions	7	29	93	(57)	(3)	69
Ending balance, June 30, 2012	$          203	$          432	$             364	$       2,873	$             61	$ 3,933

Beginning Balance, January 1, 2012	$          195	$          455	$             442	$       1,771	$             68	$ 2,931
Charge-offs	(4)	-	-	(176)	(1)	(181)
Recoveries	5	-	-	-	1	6
Provisions	7	(23)	(78)	1,278	(7)	1,177
Ending balance, June 30, 2012	$          203	$          432	$             364	$       2,873	$             61	$ 3,933

	Commercial, financial and agricultural	Real estate - commercial	Real estate - construction	Real estate - mortgage	Obligations of states and political subdivisions	Personal	Total
Allowance for loan losses:
Ending balance	$          203	$          432	$         364	$       2,873	$              -	$               61	$           3,933
Ending balance: individually evaluated for impairment	$               -	$               -	$         295	$       1,571	$                -	$                  -	$           1,866
Ending balance: collectively evaluated for impairment	$          203	$          432	$           69	$       1,302	$                -	$               61	$           2,067
Loans, net of unearned interest:
Ending balance	$     20,169	$     66,102	$    13,219	$   162,604	$      12,384	$          5,964	$       280,442
Ending balance: individually evaluated  for impairment	$          197	$       2,747	$      2,411	$       3,594	$                -	$                  -	$           8,949
Ending balance: collectively evaluated for impairment	$     19,972	$     63,355	$    10,808	$   159,010	$      12,384	$          5,964	$       271,493

Allowance for loan losses:	Commercial, financial and agricultural	Real estate - commercial	Real estate - construction	Real estate - mortgage	Personal	Total
Beginning Balance, April 1, 2011	$          146	$          462	$             434	$       1,796	$             63	$          2,901
Charge-offs	(4)	-	-	(127)	(5)	(136)
Recoveries	-	-	-	-	-	-
Provisions	3	(3)	(3)	115	4	116
Ending balance, June 30, 2011	$          145	$          459	$             431	$       1,784	$             62	$          2,881

Beginning Balance, January 1, 2011	$          163	$          442	$             336	$       1,810	$             73	$          2,824
Charge-offs	(8)	-	-	(143)	(5)	(156)
Recoveries	-	-	-	-	9	9
Provisions	(10)	17	95	117	(15)	204
Ending balance, June 30, 2011	$          145	$          459	$             431	$       1,784	$             62	$          2,881

	Commercial, financial and agricultural	Real estate - commercial	Real estate - construction	Real estate - mortgage	Obligations of states and political subdivisions	Personal	Total
Allowance for loan losses:
Ending balance	$          145	$          459	$             431	$       1,784	$              -	$               62	$           2,881
Ending balance: individually evaluated for impairment	$               -	$               -	$             303	$          325	$                -	$                  -	$              628
Ending balance: collectively evaluated for impairment	$          145	$          459	$             128	$       1,459	$                -	$               62	$           2,253
Loans, net of unearned interest:
Ending balance	$     17,562	$     58,950	$        18,014	$   181,431	$        8,433	$          7,619	$       292,009
Ending balance: individually evaluated  for impairment	$          274	$       2,322	$          1,150	$       3,059	$                -	$                  -	$           6,805
Ending balance: collectively evaluated for impairment	$     17,288	$     56,628	$        16,864	$   178,372	$        8,433	$          7,619	$       285,204

As of December 31, 2011	Commercial, financial and agricultural	Real estate - commercial	Real estate - construction	Real estate - mortgage	Obligations of states and political subdivisions	Personal	Total
Allowance for loan losses:
Ending balance	$          195	$          455	$             442	$       1,771	$              -	$               68	$           2,931
Ending balance: individually evaluated for impairment	$               -	$               -	$             343	$          432	$                -	$                  -	$              775
Ending balance: collectively evaluated for impairment	$          195	$          455	$               99	$       1,339	$                -	$               68	$           2,156
Loans, net of unearned interest:
Ending balance	$     19,417	$     60,774	$        17,508	$   176,544	$        8,780	$          6,658	$       289,681
Ending balance: individually evaluated  for impairment	$          238	$       2,312	$          1,870	$       5,119	$                -	$                  -	$           9,539
Ending balance: collectively evaluated for impairment	$     19,179	$     58,462	$        15,638	$   171,425	$        8,780	$          6,658	$       280,142