Note 6 - Loans And Related Allowance For Loan Losses (Tables)

6 Months Ended

Jun. 30, 2012

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

	June 30, 2012			December 31, 2011
Commercial and industrial	$	65,651		$	59,185
Real estate - construction		20,409			21,545
Real estate - mortgage:
Residential		207,080			208,139
Commercial		113,383			108,502
Consumer installment		4,345			4,509
		410,868			401,880
Less allowance for loan losses		(7,752	)		(6,819	)
Net loans	$	403,116		$	395,061

Schedule of Financing Receivable by Segment [Table Text Block]

					Real Estate- Mortgage
June 30, 2012	Commercial and industrial		Real estate- construction		Residential		Commercial		Consumer installment		Total
Loans:
Individually evaluated for impairment	$	4,065	$	649	$	4,619	$	6,420	$	-	$	15,753
Collectively evaluated for impairment		61,586		19,760		202,461		106,963		4,345		395,115
Total loans	$	65,651	$	20,409	$	207,080	$	113,383	$	4,345	$	410,868

					Real estate- Mortgage
December 31, 2011	Commercial and industrial		Real estate- construction		Residential		Commercial		Consumer installment		Total
Loans:
Individually evaluated for impairment	$	4,492	$	867	$	4,882	$	6,491	$	-	$	16,732
Collectively evaluated for impairment		54,693		20,678		203,257		102,011		4,509		385,148
Total loans	$	59,185	$	21,545	$	208,139	$	108,502	$	4,509	$	401,880

					Real Estate- Mortgage
June 30, 2012	Commercial and industrial		Real estate- construction		Residential		Commercial		Consumer installment		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	680	$	237	$	691	$	59	$	-	$	1,667
Collectively evaluated for impairment		946		267		3,418		1,433		21		6,085
Total ending allowance balance	$	1,626	$	504	$	4,109	$	1,492	$	21	$	7,752

					Real Estate- Mortgage
December 31, 2011	Commercial and industrial		Real estate- construction		Residential		Commercial		Consumer installment		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	595	$	237	$	685	$	185	$	-	$	1,702
Collectively evaluated for impairment		701		201		3,046		1,121		48		5,117
Total ending allowance balance	$	1,296	$	438	$	3,731	$	1,306	$	48	$	6,819

Impaired Financing Receivables [Table Text Block]

June 30, 2012
Impaired Loans
	Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance recorded:
Commercial and industrial	$	742	$	742	$	-
Real estate - construction		203		203		-
Real estate - mortgage:
Residential		2,667		2,668		-
Commercial		1,653		1,661		-
Consumer installment		26		26		-
With an allowance recorded:
Commercial and industrial	$	453	$	453	$	248
Real estate - construction		217		217		125
Real estate - mortgage:
Residential		267		269		266
Commercial		711		712		239
Consumer installment		-		-		-
Total:
Commercial and industrial	$	1,195	$	1,195	$	248
Real estate - construction		420		420		125
Real estate - mortgage:
Residential		2,934		2,937		266
Commercial		2,364		2,373		239
Consumer installment		26		26		-

December 31, 2011
Impaired Loans
	Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance recorded:
Commercial and industrial	$	1,172	$	1,172	$	-
Real estate - construction		4,250		4,250		-
Real estate - mortgage:
Residential		3,188		3,193		-
Commercial		2,528		2,536		-
Consumer installment		24		24		-
With an allowance recorded:
Commercial and industrial	$	465	$	465	$	196
Real estate - construction		271		271		125
Real estate - mortgage:
Residential		-		-		-
Commercial		2,555		2,560		551
Total:
Commercial and industrial	$	1,637	$	1,637	$	196
Real estate - construction		4,521		4,521		125
Real estate - mortgage:
Residential		3,188		3,193		-
Commercial		5,083		5,096		551
Consumer installment		24		24		-

Additional Information on Impaired Financing Receivables [Table Text Block]

	For the Three Months Ended June 30, 2012				For the Three Months Ended June 30, 2011
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Total:
Commercial and industrial	$	1,488	$	21	$	4,337	$	80
Real estate - construction		446		-		616		-
Real estate - mortgage:
Residential		2,872		61		574		33
Commercial		2,124		98		3,762		35
Consumer installment		27		-		-		-

	For the Six Months Ended June 30, 2012				For the Six Months Ended June 30, 2011
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Total:
Commercial and industrial	$	1,440	$	33	$	3,604		-
Real estate - construction		1,796		1		617		82
Real estate - mortgage:
Residential		2,998		88		583		-
Commercial		3,190		124		3,430		45
Consumer installment		26		1		-		102

Financing Receivable Credit Quality Indicators [Table Text Block]

	Pass		Special Mention		Substandard		Doubtful		Total Loans
June 30, 2012
Commercial and industrial	$	61,224	$	634	$	3,793	$	-	$	65,651
Real estate - construction		19,734		-		675		-		20,409
Real estate - mortgage:
Residential		192,198		910		13,972		-		207,080
Commercial		104,925		2,165		6,293		-		113,383
Consumer installment		4,318		3		24		-		4,345
Total	$	382,399	$	3,712	$	24,757	$	-	$	410,868

	Pass		Special Mention		Substandard		Doubtful		Total Loans
December 31, 2011
Commercial and industrial	$	53,645	$	1,104	$	4,363	$	73	$	59,185
Real estate - construction		20,883		-		662		-		21,545
Real estate - mortgage:
Residential		192,534		1,100		14,505		-		208,139
Commercial		100,536		443		7,523		-		108,502
Consumer installment		4,495		6		8		-		4,509
Total	$	372,093	$	2,653	$	27,061	$	73	$	401,880

Past Due Financing Receivables [Table Text Block]

			Still Accruing
	Current		30-59 Days Past Due		60-89 Days Past Due		90 Days+ Past Due		Total Past Due		Non- Accrual		Total Loans
June 30, 2012
Commercial and industrial	$	62,581	$	1,173	$	284	$	20	$	1,477	$	1,593	$	65,651
Real estate - construction		19,963		-		-		-		-		446		20,409
Real estate - mortgage:
Residential		193,798		2,147		621		109		2,877		10,405		207,080
Commercial		110,103		251		178		-		429		2,851		113,383
Consumer installment		4,289		41		-		-		41		15		4,345
Total	$	390,734	$	3,612	$	1,083	$	129	$	4,824	$	15,310	$	410,868

			Still Accruing
	Current		30-59 Days Past Due		60-89 Days Past Due		90 Days+ Past Due		Total Past Due		Non- Accrual		Total Loans
December 31, 2011
Commercial and industrial	$	57,291	$	258	$	16	$	44	$	318	$	1,576	$	59,185
Real estate - construction		20,862		20		-		-		20		663		21,545
Real estate - mortgage:
Residential		193,732		2,624		863		275		3,762		10,645		208,139
Commercial		104,086		83		412		-		495		3,921		108,502
Consumer installment		4,408		60		41		-		101		-		4,509
Total	$	380,379	$	3,045	$	1,332	$	319	$	4,696	$	16,805	$	401,880

Schedule of Credit Losses for Financing Receivables, Current [Table Text Block]

	Commercial and industrial			Real estate- construction		Real estate- residential mortgage			Real estate- commercial mortgage			Consumer installment			Total
ALL balance at December 31, 2011	$	1,296		$	438	$	3,731		$	1,306		$	48		$	6,819
Charge-offs		(29	)		-		(98	)		(53	)		(22	)		(202	)
Recoveries		70			-		3			-			12			85
Provision		289			66		473			239			(17	)		1,050
ALL balance at June 30, 2012	$	1,626		$	504	$	4,109		$	1,492		$	21		$	7,752

	Commercial and industrial			Real estate- construction			Real estate- residential mortgage			Real estate- commercial mortgage			Consumer installment			Total
ALL balance at December 31, 2010	$	962		$	188		$	3,434		$	1,543		$	94		$	6,221
Charge-offs		(273	)		(6	)		(510	)		(10	)		(10	)		(809	)
Recoveries		26			-			3			-			21			50
Provision		242			47			864			388			24			1,565
ALL balance at June 30, 2011	$	957		$	229		$	3,791		$	1,921		$	129		$	7,027

	Commercial and industrial			Real estate- construction		Real estate- residential mortgage		Real estate- commercial mortgage		Consumer installment			Total
ALL balance at March 31, 2012	$	1,510		$	504	$	3,868	$	1,360	$	25		$	7,267
Charge-offs		(28	)		-		-		-		(8	)		(36	)
Recoveries		67			-		-		-		4			71
Provision		77			-		241		132		(21	)		450
ALL balance at June 30, 2012	$	1,626		$	504	$	4,109	$	1,492	$	21		$	7,752

	Commercial and industrial			Real estate- construction		Real estate- residential mortgage			Real estate- commercial mortgage		Consumer installment			Total
ALL balance at March 31, 2011	$	1,039		$	208	$	3,571		$	1,748	$	119		$	6,685
Charge-offs		(203	)		-		(170	)		-		(4	)		(377	)
Recoveries		13			-		3			-		3			19
Provision		108			21		387			173		11			700
ALL balance at June 30, 2011	$	957		$	229	$	3,791		$	1,921	$	129		$	7,027

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

Troubled Debt Restructurings	Number of Contracts		Pre-Modification Outstanding Recorded Investment
Commercial and industrial		1	$	51
Real estate- mortgage:
Residential		4		233

Troubled Debt Restructurings	Number of Contracts		Pre-Modification Outstanding Recorded Investment
Commercial and industrial		7	$	229
Real estate- mortgage:
Residential		7		327
Consumer Installment		1		5

Troubled Debt Restructurings That Subsequently Defaulted [Table Text Block]

Troubled Debt Restructurings subsequently defaulted	Number of Contracts		Recorded Investment
Commercial and industrial		1	$	30