Note 7 - Loans And Related Allowance For Loan Losses (Tables)

6 Months Ended

Jun. 30, 2013

Note 7 - Loans And Related 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 and industrial	$	49,898	$	62,188
Real estate - construction		24,084		22,522
Real estate - mortgage:
Residential		199,250		203,872
Commercial		135,006		115,734
Consumer installment		4,161		4,117
		412,399		408,433
Less allowance for loan losses		7,749		7,779
Net loans	$	404,650	$	400,654

Schedule of Financing Receivable by Segment [Table Text Block]

					Real Estate- Mortgage
June 30, 2013	Commercial and industrial		Real estate- construction		Residential		Commercial		Consumer installment		Total
Individually evaluated for impairment	$	2,310	$	3,927	$	4,905	$	6,506	$	10	$	17,658
Collectively evaluated for impairment		47,588		20,157		194,345		128,500		4,151		394,741
Total loans	$	49,898	$	24,084	$	199,250	$	135,006	$	4,161	$	412,399

					Real estate- Mortgage
December 31, 2012	Commercial and industrial		Real estate- construction		Residential		Commercial		Consumer installment		Total
Loans:
Individually evaluated for impairment	$	4,592	$	3,993	$	5,761	$	6,914	$	28	$	21,288
Collectively evaluated for impairment		57,596		18,529		198,111		108,820		4,089		387,145
Total loans	$	62,188	$	22,522	$	203,872	$	115,734	$	4,117	$	408,433

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

					Real Estate- Mortgage
June 30, 2013	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	$	323	$	814	$	754	$	479	$	-	$	2,370
Collectively evaluated for impairment		552		377		2,872		1,526		51		5,378
Total ending allowance balance	$	875	$	1,191	$	3,626	$	2,005	$	51	$	7,748

					Real Estate- Mortgage
December 31, 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	$	1,189	$	933	$	600	$	960	$	6	$	3,688
Collectively evaluated for impairment		543		190		2,272		1,031		55		4,091
Total ending allowance balance	$	1,732	$	1,123	$	2,872	$	1,991	$	61	$	7,779

	Commercial and industrial			Real estate- construction			Real estate- residential mortgage			Real estate- commercial mortgage			Consumer installment			Total
ALLL balance at December 31, 2012	$	1,732		$	1,123		$	2,872		$	1,991		$	61		$	7,779
Charge-offs		(325	)		(190	)		(345	)		-			(36	)		(896	)
Recoveries		92			33			71			46			11			253
Provision		(624	)		226			1,028			(32	)		15			613
ALLL balance at June 30, 2013	$	875		$	1,192		$	3,626		$	2,005		$	51		$	7,749

	Commercial and industrial			Real estate- construction		Real estate- residential mortgage			Real estate- commercial mortgage			Consumer installment			Total
ALLL 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
ALLL 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
ALLL balance at March 31, 2013	$	1,229		$	1,047		$	3,207		$	2,201		$	47		$	7,731
Charge-offs		-			(129	)		(279	)		-			(19	)		(427	)
Recoveries		92			-			47			-			5			144
Provision		(446	)		273			651			(196	)		18			300
ALLL balance at June 30, 2013	$	875		$	1,191		$	3,626		$	2,005		$	51		$	7,748

	Commercial and industrial			Real estate- construction		Real estate- residential mortgage		Real estate- commercial mortgage		Consumer installment			Total
ALLL 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					450
ALLL balance at June 30, 2012	$	1,626		$	504	$	4,109	$	1,492	$	21		$	7,752

Impaired Financing Receivables [Table Text Block]

Impaired Loans
	Recorded Investment			Unpaid Principal Balance	Related Allowance
With no related allowance recorded:
Commercial and industrial	$	1,177	$	1,177	$	-
Real estate - construction		150		150		-
Real estate - mortgage:
Residential		2,627		2,741		-
Commercial		3,506		3,506		-
Consumer installment		4		4		-
Total	$	7,464	$	7,578	$	-
With an allowance recorded:
Commercial and industrial	$	1,133	$	1,133	$	323
Real estate - construction		3,777		3,777		814
Real estate - mortgage:
Residential		2,278		2,317		754
Commercial		3,000		3,000		479
Consumer installment		6		6		1
Total	$	10,194	$	10,233	$	2,371
Total:
Commercial and industrial	$	2,310	$	2,310	$	323
Real estate - construction		3,927		3,927		814
Real estate - mortgage:
Residential		4,905		5,058		754
Commercial		6,506		6,506		479
Consumer installment		10		10		1
Total	$	17,658	$	17,811	$	2,371

Impaired Loans
	Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance recorded:
Commercial and industrial	$	1,230	$	1,229	$	-
Real estate - construction		308		308		-
Real estate - mortgage:
Residential		2,716		2,729		-
Commercial		4,143		4,164		-
Consumer installment		11		11		-
Total	$	8,408	$	8,441	$	-
With an allowance recorded:
Commercial and industrial	$	3,362	$	3,367	$	1,189
Real estate - construction		3,685		3,685		933
Real estate - mortgage:
Residential		3,045		3,054		600
Commercial		2,771		2,776		960
Consumer installment		17		17		6
Total	$	12,880	$	12,899	$	3,688
Total:
Commercial and industrial	$	4,592	$	4,596	$	1,189
Real estate - construction		3,993		3,993		933
Real estate - mortgage:
Residential		5,761		5,783		600
Commercial		6,914		6,940		960
Consumer installment		28		28		6
Total	$	21,288	$	21,340	$	3,688

	For the Three Months Ended June 30, 2013				For the Six Months Ended June 30, 2013
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Total:
Commercial and industrial	$	2,643	$	15	$	2,687	$	70
Real estate - construction		3,850		58		3,499		95
Real estate - mortgage:
Residential		5,274		69		4,937		143
Commercial		6,669		106		6,018		216
Consumer installment		14		1		18		1

	For the Three Months Ended June 30, 2012				For the Six Months Ended June 30, 2012
	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		-		-		-

Financing Receivable Credit Quality Indicators [Table Text Block]

June 30, 2013	Pass		Special Mention		Substandard		Doubtful		Total Loans
Commercial and industrial	$	47,354	$	910	$	1,591	$	43	$	49,898
Real estate - construction		19,225		917		3,942		-		24,084
Real estate - mortgage:
Residential		186,330		975		11,945		-		199,250
Commercial		126,777		3,111		5,118		-		135,006
Consumer installment		4,142		-		19		-		4,161
Total	$	383,828	$	5,913	$	22,615	$	43	$	412,399

December 31, 2012	Pass		Special Mention		Substandard		Doubtful		Total Loans
Commercial and industrial	$	59,390	$	678	$	2,061	$	59	$	62,188
Real estate - construction		17,601		-		4,921		-		22,522
Real estate - mortgage:
Residential		190,967		758		12,147		-		203,872
Commercial		106,509		1,928		7,297		-		115,734
Consumer installment		4,084		-		33		-		4,117
Total	$	378,551	$	3,364	$	26,459	$	59	$	408,433

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, 2013
Commercial and industrial	$	47,680	$	650	$	72	$	108	$	830	$	1,388	$	49,898
Real estate - construction		23,360		647		-		-		647		78		24,084
Real estate - mortgage:
Residential		187,125		1,854		1,466		434		3,753		8,372		199,250
Commercial		133,057		-		-		-		-		1,949		135,006
Consumer installment		4,043		21		3		-		24		94		4,161
Total	$	395,265	$	3,171	$	1,541	$	541	$	5,253	$	11,880	$	412,399

			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, 2012
Commercial and industrial	$	60,428	$	441	$	63	$	348	$	852	$	908	$	62,188
Real estate - construction		22,158		-		-		-		-		364		22,522
Real estate - mortgage:
Residential		191,349		2,614		1,401		90		4,105		8,418		203,872
Commercial		113,023		509		97		-		606		2,105		115,734
Consumer installment		4,074		25		-		-		25		18		4,117
Total	$	391,032	$	3,589	$	1,561	$	438	$	5,588	$	11,813	$	408,433

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	Three months ended
	June 30, 2013								June 30, 2012
	Number of Contracts						Pre-Modification Outstanding		Number of Contracts						Pre-Modification Outstanding
Troubled Debt Restructurings	Term Modification		Other		Total		Recorded Investment		Term Modification		Other		Total		Recorded Investment
Consumer Installment		1		-		1	$	7		1				1	$	17
Real estate- mortgage:
Residential		-		-		-		-		1		1		2		165

Troubled Debt Restructurings That Subsequently Defaulted [Table Text Block]

	Three months ended
	June 30, 2013				June 30, 2012
Troubled Debt Restructurings	Number of		Recorded		Number of		Recorded
subsequently defaulted		Contracts		Investment		Contracts		Investment
Commercial and industrial		3	$	193		-	$	-
Real estate- mortgage:
Residential		-		-		3		168

	Six months ended
	June 30, 2013				June 30, 2012
Troubled Debt Restructurings	Number of		Recorded		Number of		Recorded
subsequently defaulted	Contracts		Investment		Contracts		Investment
Commercial and industrial		5	$	239		1	$	41
Real estate- mortgage:
Residential		-		-		3		168

6 Months Ended [Member]

Note 7 - Loans And Related Allowance For Loan Losses (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	Six months ended
	June 30, 2013								June 30, 2012
	Number of Contracts						Pre-Modification Outstanding		Number of Contracts						Pre-Modification Outstanding
Troubled Debt Restructurings	Term Modification		Other		Total		Recorded Investment		Term Modification		Other		Total		Recorded Investment
Commercial and industrial		5		-		5	$	742		4		3		7	$	195
Real estate- mortgage:
Residential		2		-		2		383		3		2		5		259
Consumer Installment		1		-		1		644		1		-		1		5