Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables)

9 Months Ended

Sep. 30, 2013

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables) [Line Items]

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

	Activity in the Allowance for Loan Losses for the Three Months Ended September 30, 2013
	Real Estate Construction			Consumer Real Estate			Commercial Real Estate		Commercial Non Real Estate			Public Sector and IDA			Consumer Non Real Estate			Unallocated			Total
Balance, June 30, 2013	$	1,032		$	1,670		$	3,029	$	1,481		$	111		$	513		$	116			7,952
Charge-offs		---			(120	)		---		(8	)		---			(68	)		---			(196	)
Recoveries		---			---			8		2			---			21			---			31
Provision for loan losses		(11	)		334			553		(472	)		(6	)		(59	)		(36	)		303
Balance, September 30, 2013	$	1,021		$	1,884		$	3,590	$	1,003		$	105		$	407		$	80		$	8,090

	Activity in the Allowance for Loan Losses for the Nine Months Ended September 30, 2013
	Real Estate Construction			Consumer Real Estate			Commercial Real Estate			Commercial Non Real Estate			Public Sector and IDA			Consumer Non Real Estate			Unallocated		Total
Balance, December 31, 2012	$	1,070		$	2,263		$	3,442		$	959		$	142		$	424		$	49	$	8,349
Charge-offs		(184	)		(219	)		(35	)		(968	)		---			(274	)		---		(1,680	)
Recoveries		---			1			12			18			---			61			---		92
Provision for loan losses		135			(161	)		171			994			(37	)		196			31		1,329
Balance, September 30, 2013	$	1,021		$	1,884		$	3,590		$	1,003		$	105		$	407		$	80	$	8,090

	Activity in the Allowance for Loan Losses for the Three Months Ended September 30, 2012
	Real Estate Construction			Consumer Real Estate			Commercial Real Estate			Commercial Non Real Estate			Public Sector and IDA		Consumer Non Real Estate			Unallocated			Total
Balance, June 30, 2012	$	1,396		$	1,910		$	3,257		$	909		$	111	$	422		$	163			8,168
Charge-offs		(51	)		(33	)		(592	)		---			---		(40	)		---			(716	)
Recoveries		---			---			---			1			---		23			---			24
Provision for loan losses		(158	)		95			872			(46	)		34		(5	)		(14	)		778
Balance, September 30, 2012	$	1,187		$	1,972		$	3,537		$	864		$	145	$	400		$	149		$	8,254

	Activity in the Allowance for Loan Losses for the Nine Months Ended September 30, 2012
	Real Estate Construction			Consumer Real Estate			Commercial Real Estate			Commercial Non Real Estate			Public Sector and IDA			Consumer Non Real Estate			Unallocated		Total
Balance, December 31, 2011	$	1,079		$	1,245		$	3,515		$	1,473		$	232		$	403		$	121	$	8,068
Charge-offs		(640	)		(278	)		(1,329	)		(5	)		---			(192	)		---		(2,444	)
Recoveries		13			2			---			2			---			59			---		76
Provision for loan losses		735			1,003			1,351			(606	)		(87	)		130			28		2,554
Balance, September 30, 2012	$	1,187		$	1,972		$	3,537		$	864		$	145		$	400		$	149	$	8,254

	Allowance for Loan Losses as of September 30, 2013
	Real Estate Construction		Consumer Real Estate		Commercial Real Estate		Commercial Non Real Estate		Public Sector and IDA		Consumer Non Real Estate		Unallocated		Total
Individually evaluated for impairment	$	---	$	11	$	617	$	3	$	---	$	---	$	---	$	631
Collectively evaluated for impairment		1,021		1,873		2,973		1,000		105		407		80		7,459
Total	$	1,021	$	1,884	$	3,590	$	1,003	$	105	$	407	$	80	$	8,090

	Allowance for Loan Losses as of December 31, 2012
	Real Estate Construction		Consumer Real Estate		Commercial Real Estate		Commercial Non Real Estate		Public Sector and IDA		Consumer Non Real Estate		Unallocated		Total
Individually evaluated for impairment	$	---	$	43	$	273	$	231	$	---	$	7	$	---	$	554
Collectively evaluated for impairment		1,070		2,220		3,169		728		142		417		49		7,795
Total	$	1,070	$	2,263	$	3,442	$	959	$	142	$	424	$	49	$	8,349

	Loans as of September 30, 2013
	Real Estate Construction		Consumer Real Estate		Commercial Real Estate		Commercial Non Real Estate		Public Sector and IDA		Consumer Non Real Estate		Unallocated		Total
Individually evaluated for impairment	$	2,992	$	1,199	$	12,719	$	112	$	---	$	24	$	---	$	17,046
Collectively evaluated for impairment		52,030		145,248		289,171		31,217		28,332		28,508		---		574,506
Total loans	$	55,022	$	146,447	$	301,890	$	31,329	$	28,332	$	28,532	$	---	$	591,552

	Loans as of December 31, 2012
	Real Estate Construction		Consumer Real Estate		Commercial Real Estate		Commercial Non Real Estate		Public Sector and IDA		Consumer Non Real Estate		Unallocated		Total
Individually evaluated for impairment	$	6,643	$	864	$	10,329	$	574	$	---	$	46	$	---	$	18,456
Collectively evaluated for impairment		43,670		142,398		293,979		36,775		26,169		31,668		---		574,659
Total	$	50,313	$	143,262	$	304,308	$	37,349	$	26,169	$	31,714	$	---	$	593,115

	Nine Months Ended September 30,				Year Ended December 31,
	2013		2012		2012
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees		1.37 %		1.40 %		1.41 %
Ratio of net charge-offs to average loans, net of unearned income and deferred fees(1)		0.36 %		0.54 %		0.49 %

	September 30,						December 31,
	2013			2012			2012
Nonperforming assets:
Nonaccrual loans	$	10,194		$	3,876		$	10,870
Restructured loans in nonaccrual		1,042			2,254			2,151
Total nonperforming loans		11,236			6,130			13,021
Other real estate owned, net		973			1,894			1,435
Total nonperforming assets	$	12,209		$	8,024		$	14,456
Ratio of nonperforming assets to loans, net of unearned income and deferred fees, plus other real estate owned		2.06	%		1.35	%		2.44	%
Ratio of allowance for loan losses to nonperforming loans(1)		72.00	%		134.65	%		64.12	%

	September 30,						December 31,
	2013			2012			2012
Loans past due 90 days or more and still accruing	$	149		$	114		$	170
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees		0.03	%		0.02	%		0.03	%
Accruing restructured loans	$	6,545		$	2,021		$	2,005
Impaired loans:
Impaired loans with no valuation allowance	$	14,874		$	11,063		$	16,974
Impaired loans with a valuation allowance		2,172			902			1,482
Total impaired loans	$	17,046		$	11,965		$	18,456
Valuation allowance		(631	)		(327	)		(554	)
Impaired loans, net of allowance	$	16,415		$	11,638		$	17,902
Average recorded investment in impaired loans(1)	$	17,357		$	13,831		$	13,540
Interest income recognized on impaired loans, after designation as impaired	$	159		$	292		$	9
Amount of income recognized on a cash basis	$	---		$	---		$	---

Impaired Financing Receivables [Table Text Block]

	Impaired Loans as of September 30, 2013
	Principal Balance		(A) Total Recorded Investment(1)		Recorded Investment(1) in (A) for Which There is No Related Allowance		Recorded Investment(1) in (A) for Which There is a Related Allowance		Related Allowance
Real Estate Construction
Construction, residential	$	123	$	118	$	118	$	---	$	---
Construction, other		2,869		2,854		2,854		---		---
Consumer Real Estate
Equity lines		---		---		---		---		---
Residential closed-end first liens		760		762		214		548		4
Residential closed-end junior liens		310		312		48		264		7
Investor-owned residential real estate		129		131		131		---		---
Commercial Real Estate
Multifamily real estate		3,970		3,967		3,967		---		---
Commercial real estate, owner-occupied		5,271		5,274		3,713		1,561		617
Commercial real estate, other		3,478		3,478		3,478		---		---
Commercial Non Real Estate
Commercial and Industrial		112		112		4		108		3
Public Sector and IDA
Public sector and IDA		---		---		---		---		---
Consumer Non Real Estate
Credit cards		---		---		---		---		---
Automobile		24		24		24		---		---
Other consumer loans		---		---		---		---		---
Total	$	17,046	$	17,032	$	14,551	$	2,481	$	631

	Impaired Loans as of December 31, 2012
	Principal Balance		(A) Total Recorded Investment(1)		Recorded Investment(1) in (A) for Which There is No Related Allowance		Recorded Investment(1) in (A) for Which There is a Related Allowance		Related Allowance
Real Estate Construction
Construction, residential	$	123	$	118	$	118	$	---	$	---
Construction, other		6,520		6,487		6,487		---		---
Consumer Real Estate
Equity lines		---		---		---		---		---
Residential closed-end first liens		783		785		634		151		43
Residential closed-end junior liens		81		81		81		---		---
Commercial Real Estate
Multifamily real estate		5,284		5,288		5,288		---		---
Commercial real estate, owner-occupied		5,045		5,043		4,293		750		273
Commercial real estate, other		---		---		---		---		---
Commercial Non Real Estate
Commercial and Industrial		574		574		39		535		231
Public Sector and IDA
Public sector and IDA		---		---		---		---		---
Consumer Non Real Estate
Credit cards		---		---		---		---		---
Automobile		46		46		---		46		7
Other consumer loans		---		---		---		---		---
Total	$	18,456	$	18,422	$	16,940	$	1,482	$	554

Past Due Financing Receivables [Table Text Block]

	30 – 89 Days Past Due		90 or More Days Past Due		90 or More Days Past Due and Still Accruing		Nonaccruals (Including Impaired Nonaccruals)
Real Estate Construction
Construction, residential	$	---	$	123	$	---	$	123
Construction, other		46		2,869		---		2,869
Consumer Real Estate
Equity lines		5		---		---		---
Residential closed-end first liens		1,045		338		146		447
Residential closed-end junior liens		54		77		---		78
Investor-owned residential real estate		170		53		---		52
Commercial Real Estate
Multifamily real estate		433		3,278		---		3,970
Commercial real estate, owner-occupied		573		3,540		---		3,540
Commercial real estate, other		35		---		---		---
Commercial Non Real Estate
Commercial and Industrial		182		43		---		133
Public Sector and IDA
Public sector and IDA		---		---		---		---
Consumer Non Real Estate
Credit cards		20		2		2		---
Automobile		190		24		1		24
Other consumer loans		61		---		---		---
Total	$	2,814	$	10,347	$	149	$	11,236

	30 – 89 Days Past Due		90 or More Days Past Due		90 or More Days Past Due and Still Accruing		Nonaccruals (Including Impaired Nonaccruals)
Real Estate Construction
Construction, residential	$	---	$	123	$	---	$	123
Construction, other		31		89		---		3,109
Consumer Real Estate
Equity lines		22		30		30		98
Residential closed-end first liens		1,507		605		126		801
Residential closed-end junior liens		121		39		---		120
Commercial Real Estate
Multifamily real estate		671		261		---		4,624
Commercial real estate, owner-occupied		1,113		---		---		3,536
Commercial real estate, other		40		2,089		---		---
Commercial Non Real Estate
Commercial and Industrial		291		505		---		561
Public Sector and IDA
Public sector and IDA		---		---		---		---
Consumer Non Real Estate
Credit cards		20		4		4		---
Automobile		142		10		10		49
Other consumer loans		132		---		---		---
Total	$	4,090	$	3,755	$	170	$	13,021

Financing Receivable Credit Quality Indicators [Table Text Block]

	Pass		Special Mention		Classified (Excluding Impaired)
Real Estate Construction
Construction, 1-4 family residential	$	17,451	$	158	$	---
Construction, other		34,375		30		16
Consumer Real Estate
Equity lines		16,289		33		---
Closed-end first liens		81,171		1,446		1,605
Closed-end junior liens		4,856		166		35
Investor-owned residential real estate		39,550		---		97
Commercial Real Estate
Multifamily residential real estate		64,940		305		752
Commercial real estate owner-occupied		126,418		2,501		679
Commercial real estate, other		89,525		964		3,087
Commercial Non Real Estate
Commercial and Industrial		30,070		916		231
Public Sector and IDA
States and political subdivisions		28,332		---		---
Consumer Non Real Estate
Credit cards		7,054		---		---
Automobile		11,964		217		5
Other consumer		9,215		53		---
Total	$	561,210	$	6,789	$	6,507

	Pass		Special Mention		Classified (Excluding Impaired)
Real Estate Construction
Construction, 1-4 family residential	$	14,344	$	158	$	---
Construction, other		29,011		---		120
Consumer Real Estate
Equity lines		17,742		100		182
Closed-end first liens		113,893		652		2,413
Closed-end junior liens		6,713		119		138
Commercial Real Estate
Multifamily residential real estate		36,421		---		324
Commercial real estate owner-occupied		160,188		253		1,079
Commercial real estate, other		92,628		3,112		---
Commercial Non Real Estate
Commercial and Industrial		36,372		99		318
Public Sector and IDA
States and political subdivisions		26,170		---		---
Consumer Non Real Estate
Credit cards		6,690		---		---
Automobile		12,344		101		56
Other consumer		11,815		45		105
Total	$	564,331	$	4,639	$	4,735

Average Recorded Investment and Interest Income Recognized [Member] | Current Period [Member]

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables) [Line Items]

Impaired Financing Receivables [Table Text Block]

	Average Investment and Interest Income for Impaired Loans
	For the Three Months Ended September 30, 2013				For the Nine Months Ended September 30, 2013
	Average Recorded Investment(1)		Interest Income Recognized		Average Recorded Investment(1)		Interest Income Recognized
Real Estate Construction
Construction, residential	$	118	$	---	$	118	$	---
Construction, other		3,005		---		3,005		---
Consumer Real Estate
Equity lines		---		---		---		---
Residential closed-end first liens		863		2		729		4
Residential closed-end junior liens		410		2		238		2
Investor-owned residential real estate		131		2		100		4
Commercial Real Estate
Multifamily real estate		4,133		---		4,189		---
Commercial real estate, owner-occupied		5,424		28		5,073		82
Commercial real estate, other		3,489		22		3,492		65
Commercial Non Real Estate
Commercial and industrial		138		1		380		2
Public Sector and IDA
Public sector and IDA		---		---		---		---
Consumer Non Real Estate
Credit cards		---		---		---		---
Automobile		26		---		33		---
Other consumer		---		---		---		---
Total	$	17,737	$	57	$	17,357	$	159

Average Recorded Investment and Interest Income Recognized [Member] | Previous Period [Member]

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables) [Line Items]

Impaired Financing Receivables [Table Text Block]

	Average Investment and Interest Income for Impaired Loans
	For the Year Ended December 31, 2012
	Average Recorded Investment(1)		Interest Income Recognized
Real Estate Construction
Construction, residential	$	1,171	$	---
Construction, other		4,290		1
Commercial Real Estate
Equity lines		101		---
Residential closed-end first liens		873		2
Residential closed-end junior liens		234		---
Commercial Real Estate
Multifamily real estate		1,466		5
Commercial real estate, owner-occupied		4,806		1
Commercial real estate, other		---		---
Commercial Non Real Estate
Commercial and Industrial		570		---
Public Sector and IDA
Public sector and IDA		---		---
Consumer Non Real Estate
Credit cards		---		---
Automobile		4		---
Other consumer		25		---
Total	$	13,540	$	9

Including Impairment Accrued [Member]

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	Restructurings That Occurred During the Three Months Ended September 30, 2013
	Number of Contracts		Pre-Modification Outstanding Principal Balance		Post- Modification Outstanding Principal Balance		Impairment Accrued
Consumer Real Estate
Residential closed-end first liens		1	$	241	$	309	$	---
Commercial Non Real Estate
Commercial and industrial		1		32		45		1
Total		2	$	273	$	354	$	1

	Restructurings That Occurred During the Nine Months Ended September 30, 2013
	Number of Contracts		Pre-Modification Outstanding Principal Balance		Post-Modification Outstanding Principal Balance		Impairment Accrued
Consumer Real Estate
Residential closed-end first liens		2	$	453	$	525	$	3
Residential closed-end junior liens		1		262		267		7
Commercial Real Estate
Commercial real estate, owner-occupied		1		154		239		---
Commercial real estate, other		1		3,500		3,500		---
Commercial Non Real Estate
Commercial and industrial		1		32		45		1
Total		6	$	4,401	$	4,576	$	11

Not Including Impairment Accrued [Member]

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	Restructurings That Occurred During the Three Months Ended September 30, 2012
	Number of Contracts		Pre-Modification Outstanding Principal Balance		Post-Modification Outstanding Principal Balance
Consumer Real Estate
Residential closed-end first liens		1	$	38	$	38
Commercial Real Estate
Commercial real estate, owner occupied		1		193		193
Total		2	$	231	$	231

	Restructurings That Occurred During the Nine Months Ended September 30, 2012
	Number of Contracts		Pre-Modification Outstanding Principal Balance		Post-Modification Outstanding Principal Balance
Consumer Real Estate
Residential closed-end first liens		5	$	383	$	402
Residential closed-end junior liens		1		143		147
Commercial Real Estate
Commercial real estate, owner occupied		3		890		895
Commercial Non Real Estate
Commercial and Industrial		1		400		400
Total		10	$	1,816	$	1,844

Year 2013 [Member]

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	Restructured Loans That Defaulted And Were Modified Within 12 Months Prior to Default
	Default During the 3 Month Period Ended September 30, 2013						Default During the 9 Month Period Ended September 30, 2013
	Number of Contracts		Principal Balance		Impairment Accrued		Number of Contracts		Principal Balance		Impairment Accrued
Consumer Real Estate
Residential closed-end first liens		1	$	26	$	1		1	$	26	$	1
Residential closed-end junior liens		1		47		---		1		47		---
Commercial Real Estate
Commercial real estate owner-occupied		2		664		352		3		857		352
Commercial Non Real Estate
Commercial and industrial		1		137		---		1		137		---
Total		5	$	874	$	353		6	$	1,067	$	353

Year 2012 [Member]

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	Restructured Loans That Defaulted And Were Modified Within 12 Months Prior to Default
	Default During the 3 Month Period Ended September 30, 2012						Default During the 9 Month Period Ended September 30, 2012
	Number of Contracts		Principal Balance		Impairment Accrued		Number of Contracts		Principal Balance		Impairment Accrued
Consumer Real Estate
Residential closed-end first liens		1	$	96	$	---		1	$	96	$	---
Residential closed-end junior liens		1		84		---		1		84		---
Commercial Real Estate
Commercial real estate owner-occupied		2		861		21		2		861		21
Total		4	$	1,041	$	21		4	$	1,041	$	21