Note 8 - Loans & Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2013

Note 8 - Loans & Allowance for Loan Losses (Tables) [Line Items]

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

	June 30, 2013		December 31, 2012
Commercial:
Commercial and industrial	$	111,619	$	100,063
Construction		10,557		11,061
Secured by commercial real estate		192,689		192,867
Secured by residential real estate		44,102		41,003
State and political subdivisions		32,552		34,256
Loans to depository institutions		2,250		3,250
Indirect lease financing		8,703		9,685
Retail:
1-4 family residential mortgages		27,774		28,733
Home equity loans and lines		56,777		54,860
Consumer		2,186		2,012
Total loans		489,209		477,790
Net unearned costs (fees)		6		(57	)
Loans receivable	$	489,215	$	477,733

Financing Receivable Credit Quality Indicators [Table Text Block]

June 30, 2013	Pass		Special mention		Substandard		Doubtful		Total
Commercial:
Commercial and industrial	$	104,329	$	1,363	$	5,927	$	-	$	111,619
Construction		7,572		920		2,065		-		10,557
Secured by commercial real estate		161,592		4,118		26,979		-		192,689
Secured by residential real estate		39,413		27		4,662		-		44,102
State and political subdivisions		30,239		-		2,313		-		32,552
Loans to depository institutions		2,250		-		-		-		2,250
Indirect lease financing		8,471		-		232		-		8,703
	$	353,866	$	6,428	$	42,178	$	-	$	402,472

December 31, 2012	Pass		Special mention		Substandard		Doubtful		Total
Commercial:
Commercial and industrial	$	88,427	$	3,843	$	7,763	$	30	$	100,063
Construction		5,558		1,513		3,990		-		11,061
Secured by commercial real estate		157,678		7,493		27,696		-		192,867
Secured by residential real estate		36,078		1,199		3,726		-		41,003
State and political subdivisions		32,303		-		1,953		-		34,256
Loans to depository institutions		3,250		-		-		-		3,250
Indirect lease financing		9,329		-		356		-		9,685
	$	332,623	$	14,048	$	45,484	$	30	$	392,185

Past Due Financing Receivables [Table Text Block]

June 30, 2013	30-59 days past due		60-89 days past due		90 days or more past due		Total past due loans		Current		Total loans receivable
Commercial:
Commercial and industrial	$	306	$	37		-	$	343	$	111,276	$	111,619
Construction		-		-		-		-		10,557		10,557
Secured by commercial real estate		244		440	$	4,332		5,016		187,673		192,689
Secured by residential real estate		1,401		537		-		1,938		42,164		44,102
State and political subdivisions		27		-		425		452		32,100		32,552
Loans to depository institutions		-		-		-		-		2,250		2,250
Indirect lease financing		50		52		32		134		8,569		8,703
Retail:
1-4 family residential mortgages		-		-		153		153		27,621		27,774
Home equity loans and lines		117		91		28		236		56,541		56,777
Consumer		28		6		-		34		2,152		2,186
	$	2,173	$	1,163	$	4,970	$	8,306	$	480,903	$	489,209

December 31, 2012	30-59 days past due		60-89 days past due		90 days or more past due		Total past due loans		Current		Total loans receivable
Commercial:
Commercial and industrial	$	76		-		-	$	76	$	99,987	$	100,063
Construction		-		-		-		-		11,061		11,061
Secured by commercial real estate		407	$	1,460	$	3,097		4,964		187,903		192,867
Secured by residential real estate		44		523		293		860		40,143		41,003
State and political subdivisions		71		1		-		72		34,184		34,256
Loans to depository institutions		-		-		-		-		3,250		3,250
Indirect lease financing		344		80		35		459		9,226		9,685
Retail:
1-4 family residential mortgages		-		197		-		197		28,536		28,733
Home equity loans and lines		152		153		197		502		54,358		54,860
Consumer		33		11		-		44		1,968		2,012
	$	1,127	$	2,425	$	3,622	$	7,174	$	470,616	$	477,790

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

June 30, 2013	90 days or more past  due (still accruing)		Non-accrual
Commercial:
Commercial and industrial		-	$	5,535
Construction		-		2,029
Secured by commercial real estate		-		6,408
Secured by residential real estate		-		2,698
State and political subdivisions	$	425		-
Loans to depository institutions		-		-
Indirect lease financing		17		72
Retail:
1-4 family residential mortgages		-		320
Home equity loans and lines		-		239
Consumer		-		-
	$	442	$	17,301

December 31, 2012	90 days or more past due (still accruing)		Non-accrual
Commercial:
Commercial and industrial	$	-	$	6,174
Construction		-		2,480
Secured by commercial real estate		-		6,748
Secured by residential real estate		-		2,390
State and political subdivisions		-		1
Loans to depository institutions		-		-
Indirect lease financing		-		98
Retail:
1-4 family residential mortgages		-		335
Home equity loans and lines		-		346
Consumer		-		-
	$	-	$	18,572

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

Three months ended June 30, 2013	Balance, beginning of period		Provision for (credit to) loan losses			Charge-offs			Recoveries		Balance, end of period
Commercial:
Commercial and industrial	$	2,314	$	(328	)		-		$	8	$	1,994
Construction		230		12			-			-		242
Secured by commercial real estate		3,873		42			-			1		3,916
Secured by residential real estate		1,146		246			-			45		1,437
State and political subdivisions		257		20			-			-		277
Loans to depository institutions		10		-			-			-		10
Indirect lease financing		179		(29	)		-			6		156
Retail:
1-4 family residential mortgages		300		(11	)		-			-		289
Home equity loans and lines		714		24		$	(79	)		5		664
Consumer		29		5			(13	)		7		28
Unallocated		299		119		N/A			N/A			418
	$	9,351	$	100		$	(92	)	$	72	$	9,431

Three months ended June 30, 2012	Balance, beginning of period		Provision for (credit to) loan losses			Charge-offs			Recoveries		Balance, end of period
Commercial:
Commercial and industrial	$	3,317	$	164		$	(74	)	$	60	$	3,467
Construction		333		20			-			-		353
Secured by commercial real estate		3,126		2			-			62		3,190
Secured by residential real estate		773		88			(50	)		-		811
State and political subdivisions		301		(79	)		-			-		222
Loans to depository institutions		20		-			-			-		20
Indirect lease financing		238		21			(13	)		22		268
Retail:
1-4 family residential mortgages		303		(5	)		-			2		300
Home equity loans and lines		547		37			(1	)		12		595
Consumer		17		10			(11	)		2		18
Unallocated		481		(258	)	N/A			N/A			223
	$	9,456	$	-		$	(149	)	$	160	$	9,467

Six months ended June 30, 2013	Balance, beginning of period		Provision for (credit to) loan losses			Charge-offs			Recoveries		Balance, end of period
Commercial:
Commercial and industrial	$	2,505	$	(526	)		-		$	15	$	1,994
Construction		209		33			-			-		242
Secured by commercial real estate		3,795		120			-			1		3,916
Secured by residential real estate		1,230		498		$	(336	)		45		1,437
State and political subdivisions		260		17			-			-		277
Loans to depository institutions		15		(5	)		-			-		10
Indirect lease financing		168		(27	)		(1	)		16		156
Retail:
1-4 family residential mortgages		324		(35	)		-			-		289
Home equity loans and lines		582		248			(172	)		6		664
Consumer		27		16			(34	)		19		28
Unallocated		657		(239	)	N/A			N/A			418
	$	9,772	$	100		$	(543	)	$	102	$	9,431

Six months ended June 30, 2012	Balance, beginning of period		Provision for (credit to) loan losses			Charge-offs			Recoveries		Balance, end of period
Commercial:
Commercial and industrial	$	2,959	$	520		$	(74	)	$	62	$	3,467
Construction		556		(203	)		-			-		353
Secured by commercial real estate		3,124		4			-			62		3,190
Secured by residential real estate		746		151			(86	)		-		811
State and political subdivisions		195		27			-			-		222
Loans to depository institutions		20		-			-			-		20
Indirect lease financing		312		(47	)		(23	)		26		268
Retail:
1-4 family residential mortgages		249		70			(21	)		2		300
Home equity loans and lines		625		(23	)		(19	)		12		595
Consumer		20		13			(20	)		5		18
Unallocated		435		(212	)	N/A			N/A			223
	$	9,241	$	300		$	(243	)	$	169	$	9,467

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

Three months ended June 30,	2013						2012
	Number of contracts		Pre- modification outstanding recorded investment		Post- modification outstanding recorded investment		Number of contracts		Pre- modification outstanding recorded investment		Post- modification outstanding recorded investment
Commercial:
Commercial and industrial		-		-		-		2	$	482	$	476
Secured by commercial real estate		-		-		-		1		2,380		2,380
Retail:
1-4 family residential mortgages		-		-		-		1		145		141
Home equity loans and lines		1	$	28	$	28		-		-		-
		1	$	28	$	28		4	$	3,007	$	2,997

Six months ended June 30,	2013						2012
	Number of contracts		Pre- modification outstanding recorded investment		Post- modification outstanding recorded investment		Number of contracts		Pre- modification outstanding recorded investment		Post- modification outstanding recorded investment
Commercial:
Commercial and industrial		-		-		-		2	$	482	$	476
Secured by commercial real estate		1	$	1,822	$	1,822		1		2,380		2,380
Retail:
1-4 family residential mortgages		-		-		-		1		145		141
Home equity loans and lines		1		28		28		1		38		38
		2	$	1,850	$	1,850		5	$	3,045	$	3,035

Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]

	Allowance for Loan Losses						Loans Receivable
June 30, 2013	Balance		Balance related to loans individually evaluated for impairment		Balance related to loans collectively evaluated for impairment		Balance		Balance individually evaluated for impairment		Balance collectively evaluated for impairment
Commercial:
Commercial and industrial	$	1,994	$	652	$	1,342	$	111,619	$	5,882	$	105,737
Construction		242		-		242		10,557		2,065		8,492
Secured by commercial real estate		3,916		850		3,066		192,689		15,633		177,056
Secured by residential real estate		1,437		534		903		44,102		3,836		40,266
State and political subdivisions		277		-		277		32,552		1,807		30,745
Loans to depository institutions		10		-		10		2,250		-		2,250
Indirect lease financing		156		7		149		8,703		72		8,631
Retail:
1-4 family residential mortgages		289		67		222		27,774		440		27,334
Home equity loans and lines		664		71		593		56,777		267		56,510
Consumer		28		-		28		2,186		-		2,186
Unallocated		418	N/A		N/A		N/A		N/A		N/A
	$	9,431	$	2,181	$	6,832	$	489,209	$	30,002	$	459,207

	Allowance for Loan Losses						Loans Receivable
December 31, 2012	Balance		Balance related to loans individually evaluated for impairment		Balance related to loans collectively evaluated for impairment		Balance		Balance individually evaluated for impairment		Balance collectively evaluated for impairment
Commercial:
Commercial and industrial	$	2,505	$	1,309	$	1,196	$	100,063	$	7,753	$	92,310
Construction		209		-		209		11,061		3,990		7,071
Secured by commercial real estate		3,795		619		3,176		192,867		14,931		177,936
Secured by residential real estate		1,230		543		687		41,003		2,843		38,160
State and political subdivisions		260		-		260		34,256		1,849		32,407
Loans to depository institutions		15		-		15		3,250		-		3,250
Indirect lease financing		168		13		155		9,685		98		9,587
Retail:
1-4 family residential mortgages		324		90		234		28,733		456		28,277
Home equity loans and lines		582		127		455		54,860		384		54,476
Consumer		27		-		27		2,012		-		2,012
Unallocated		657	N/A		N/A		N/A		N/A		N/A
	$	9,772	$	2,701	$	6,414	$	477,790	$	32,304	$	445,486

Impaired Financing Receivables [Table Text Block]

June 30, 2013	Recorded investment (after charge-offs)		Unpaid principal balance		Related allowance		Average recorded investment		Interest income recognized
With no specific allowance recorded:
Commercial:
Commercial and industrial	$	4,153	$	4,548	$	-
Construction		2,065		2,302		-
Secured by commercial real estate		12,339		13,184		-
Secured by residential real estate		1,444		1,467		-
State and political subdivisions		1,807		1,807		-
Loans to depository institutions		-		-		-
Indirect lease financing		39		44		-
Retail:
1-4 family residential mortgages		166		187		-
Home equity loans and lines		196		222		-
Consumer		-		-		-
	$	22,209	$	23,761	$	-
With an allowance recorded:
Commercial:
Commercial and industrial	$	1,729	$	1,902	$	652
Construction		-		-		-
Secured by commercial real estate		3,294		3,799		850
Secured by residential real estate		2,392		2,512		534
State and political subdivisions		-		-		-
Loans to depository institutions		-		-		-
Indirect lease financing		33		35		7
Retail:
1-4 family residential mortgages		274		285		67
Home equity loans and lines		71		79		71
Consumer		-		-		-
	$	7,793	$	8,612	$	2,181
Total:
Commercial:
Commercial and industrial	$	5,882	$	6,450	$	652	$	6,771	$	12
Construction		2,065		2,302		-		3,865		28
Secured by commercial real estate		15,633		16,983		850		14,117		197
Secured by residential real estate		3,836		3,979		534		2,811		17
State and political subdivisions		1,807		1,807		-		1,826		33
Loans to depository institutions		-		-		-		-		-
Indirect lease financing		72		79		7		78		-
Retail:
1-4 family residential mortgages		440		472		67		448		3
Home equity loans and lines		267		301		71		323		1
Consumer		-		-		-		-		-
	$	30,002	$	32,373	$	2,181	$	30,239	$	291

December 31, 2012	Recorded investment (after charge-offs)		Unpaid principal balance		Related allowance		Average recorded investment		Interest income recognized
With no specific allowance recorded:
Commercial:
Commercial and industrial	$	5,241	$	5,477	$	-
Construction		3,990		4,170		-
Secured by commercial real estate		11,392		12,128		-
Secured by residential real estate		897		912		-
State and political subdivisions		1,849		1,850		-
Loans to depository institutions		-		-		-
Indirect lease financing		37		44		-
Retail:
1-4 family residential mortgages		181		198		-
Home equity loans and lines		184		196		-
Consumer		-		-		-
	$	23,771	$	24,975	$	-
With an allowance recorded:
Commercial:
Commercial and industrial	$	2,512	$	2,687	$	1,309
Construction		-		-		-
Secured by commercial real estate		3,539		4,023		619
Secured by residential real estate		1,946		2,024		543
State and political subdivisions		-		-		-
Loans to depository institutions		-		-		-
Indirect lease financing		61		67		13
Retail:
1-4 family residential mortgages		275		287		90
Home equity loans and lines		200		214		127
Consumer		-		-		-
	$	8,533	$	9,302	$	2,701
Total:
Commercial:
Commercial and industrial	$	7,753	$	8,164	$	1,309	$	7,657	$	74
Construction		3,990		4,170		-		4,972		111
Secured by commercial real estate		14,931		16,151		619		14,883		541
Secured by residential real estate		2,843		2,936		543		2,439		47
State and political subdivisions		1,849		1,850		-		1,478		64
Loans to depository institutions		-		-		-		-		-
Indirect lease financing		98		111		13		86		-
Retail:
1-4 family residential mortgages		456		485		90		518		5
Home equity loans and lines		384		410		127		510		5
Consumer		-		-
	$	32,304	$	34,277	$	2,701	$	32,543	$	847

Total Retail Loans [Member]

Note 8 - Loans & Allowance for Loan Losses (Tables) [Line Items]

Financing Receivable Credit Quality Indicators [Table Text Block]

June 30, 2013	Performing		Non- performing		Total
Retail:
1-4 family residential mortgages	$	27,454	$	320	$	27,774
Home equity loans and lines		56,538		239		56,777
Consumer		2,186		-		2,186
	$	86,178	$	559	$	86,737

December 31, 2012	Performing		Non- performing		Total
Retail:
1-4 family residential mortgages	$	28,398	$	335	$	28,733
Home equity loans and lines		54,514		346		54,860
Consumer		2,012		-		2,012
	$	84,924	$	681	$	85,605