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5. Changes in the allowance for loan losses (Details) (USD $)
3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2012
Sep. 30, 2011
Sep. 30, 2012
Sep. 30, 2011
Dec. 31, 2011
Allowance for loan losses, Beginning balance $ 3,926,119 $ 3,851,369 $ 3,886,502 $ 3,727,935 $ 3,727,935
Charge-offs (111,834) (342,245) (595,958) (680,930) (941,673)
Recoveries 50,946 39,216 74,685 76,335 100,240
Provisions 249,999 287,500 750,001 712,500 1,000,000
Allowance for loan losses, Ending balance 4,115,230 3,835,840 4,115,230 3,835,840 3,886,502
Allowance for loan losses evaluated for impairment, Individually 166,000 499,200 166,000 499,200 458,500
Allowance for loan losses evaluated for impairment, Collectively 3,949,230 3,336,640 3,949,230 3,336,640 3,428,002
Total Allowance for loan losses 4,115,230 3,835,840 4,115,230 3,835,840 3,886,502
Loans evaluated for impairment, Individually 4,192,714 6,568,494 4,192,714 6,568,494 7,470,370
Loans evaluated for impairment, Collectively 403,417,991 381,980,370 403,417,991 381,980,370 378,916,102
Total Loans 407,610,705 388,548,864 407,610,705 388,548,864 386,386,472
Commercial and industrial
         
Allowance for loan losses, Beginning balance 383,523 246,567 342,314 302,421 302,421
Charge-offs (34,375) (18,924) (159,309) (22,050) (22,050)
Recoveries 17,978 1,144 20,498 12,665 13,225
Provisions 51,298 51,343 214,921 (12,906) 48,718
Allowance for loan losses, Ending balance 418,424 280,130 418,424 280,130 342,314
Allowance for loan losses evaluated for impairment, Individually 0 42,100 0 42,100 70,600
Allowance for loan losses evaluated for impairment, Collectively 418,424 238,030 418,424 238,030 271,714
Total Allowance for loan losses 418,424 280,130 418,424 280,130 342,314
Loans evaluated for impairment, Individually 446,484 841,032 446,484 841,032 1,000,120
Loans evaluated for impairment, Collectively 47,038,155 33,729,031 47,038,155 33,729,031 38,514,487
Total Loans 47,484,639 34,570,063 47,484,639 34,570,063 39,514,607
Commercial real estate
         
Allowance for loan losses, Beginning balance 1,386,183 1,395,350 1,385,939 1,391,898 1,391,898
Charge-offs (2,821) (21,679) (57,878) (21,679) (197,367)
Recoveries 24,587 4,241 25,450 6,422 8,479
Provisions 36,941 148,745 91,379 150,016 182,929
Allowance for loan losses, Ending balance 1,444,890 1,526,657 1,444,890 1,526,657 1,385,939
Allowance for loan losses evaluated for impairment, Individually 8,900 104,500 8,900 104,500 57,500
Allowance for loan losses evaluated for impairment, Collectively 1,435,990 1,422,157 1,435,990 1,422,157 1,328,439
Total Allowance for loan losses 1,444,890 1,526,657 1,444,890 1,526,657 1,385,939
Loans evaluated for impairment, Individually 2,187,060 2,834,584 2,187,060 2,834,584 3,669,260
Loans evaluated for impairment, Collectively 133,829,494 135,057,665 133,829,494 135,057,665 128,600,108
Total Loans 136,016,554 137,892,249 136,016,554 137,892,249 132,269,368
Residential real estate 1st lien
         
Allowance for loan losses, Beginning balance 1,473,661   1,578,493    
Charge-offs (56,126)   (239,600)   (521,608)
Recoveries 1,426   3,248   42,593
Provisions 85,324   162,144   226,692
Allowance for loan losses, Ending balance 1,504,285   1,504,285   1,578,493
Allowance for loan losses evaluated for impairment, Individually 110,700   110,700   283,200
Allowance for loan losses evaluated for impairment, Collectively 1,393,585   1,393,585   1,295,293
Total Allowance for loan losses 1,504,285   1,504,285   1,578,493
Loans evaluated for impairment, Individually 1,261,272   1,261,272   2,366,326
Loans evaluated for impairment, Collectively 165,796,198   165,796,198   154,884,065
Total Loans 167,057,470   167,057,470   157,250,391
Residential Real Estate Jr Lien
         
Allowance for loan losses, Beginning balance 368,939   331,684 0 0
Charge-offs (9,447)   (69,734)   (96,961)
Recoveries 60   1,479   20
Provisions 38,815   134,938   428,625
Allowance for loan losses, Ending balance 398,367   398,367   331,684
Allowance for loan losses evaluated for impairment, Individually 46,400   46,400   47,200
Allowance for loan losses evaluated for impairment, Collectively 351,967   351,967   284,484
Total Allowance for loan losses 398,367   398,367   331,684
Loans evaluated for impairment, Individually 297,898   297,898   434,664
Loans evaluated for impairment, Collectively 45,731,340   45,731,340   45,452,303
Total Loans 46,029,238   46,029,238   45,886,967
Residential Real Estate
         
Allowance for loan losses, Beginning balance   1,965,940   1,830,816 1,830,816
Charge-offs   (291,077)   (562,524)  
Recoveries   27,355   27,955  
Provisions   129,545   535,516  
Allowance for loan losses, Ending balance   1,831,763   1,831,763  
Allowance for loan losses evaluated for impairment, Individually   352,600   352,600  
Allowance for loan losses evaluated for impairment, Collectively   1,479,163   1,479,163  
Total Allowance for loan losses   1,831,763   1,831,763  
Loans evaluated for impairment, Individually   2,892,878   2,892,878  
Loans evaluated for impairment, Collectively   201,294,086   201,294,086  
Total Loans   204,186,964   204,186,964  
Consumer Portfolio Segment [Member]
         
Allowance for loan losses, Beginning balance 126,914 132,532 124,779 151,948 151,948
Charge-offs (9,065) (10,565) (69,437) (74,677) (103,687)
Recoveries 6,895 6,476 24,010 29,293 35,923
Provisions 5,965 615 51,357 22,494 40,595
Allowance for loan losses, Ending balance 130,709 129,058 130,709 129,058 124,779
Allowance for loan losses evaluated for impairment, Individually 0 0 0 0 0
Allowance for loan losses evaluated for impairment, Collectively 130,709 129,058 130,709 129,058 124,779
Total Allowance for loan losses 130,709 129,058 130,709 129,058 124,779
Loans evaluated for impairment, Individually 0 0 0 0 0
Loans evaluated for impairment, Collectively 11,022,804 11,899,588 11,022,804 11,899,588 11,465,139
Total Loans 11,022,804 11,899,588 11,022,804 11,899,588 11,465,139
Unallocated
         
Allowance for loan losses, Beginning balance 186,899 110,980 123,293 50,852 50,852
Charge-offs 0 0 0 0 0
Recoveries 0 0 0 0 0
Provisions 31,656 (42,748) 95,262 17,380 72,441
Allowance for loan losses, Ending balance 218,555 68,232 218,555 68,232 123,293
Allowance for loan losses evaluated for impairment, Individually 0 0 0 0 0
Allowance for loan losses evaluated for impairment, Collectively 218,555 68,232 218,555 68,232 123,293
Total Allowance for loan losses $ 218,555 $ 68,232 $ 218,555 $ 68,232 $ 123,293