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

9 Months Ended

Sep. 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]

	September 30, 2013		December 31, 2012
Commercial and industrial	$	50,265	$	62,188
Real estate - construction		25,487		22,522
Real estate - mortgage:
Residential		203,312		203,872
Commercial		135,760		115,734
Consumer installment		4,236		4,117
		419,060		408,433
Less allowance for loan losses		7,821		7,779
Net loans	$	411,239	$	400,654

Schedule of Financing Receivable by Segment [Table Text Block]

					Real Estate- Mortgage
September 30, 2013	Commercial and industrial		Real estate- construction		Residential		Commercial		Consumer installment		Total
Loans:
Individually evaluated for impairment	$	1,483	$	3,963	$	5,766	$	6,787	$	8	$	18,007
Collectively evaluated for impairment		48,782		21,524		197,546		128,973		4,228		401,053
Total loans	$	50,265	$	25,487	$	203,312	$	135,760	$	4,236	$	419,060

					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
September 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	$	195	$	859	$	896	$	590	$	-	$	2,540
Collectively evaluated for impairment		593		440		2,743		1,483		22		5,281
Total ending allowance balance	$	788	$	1,299	$	3,639	$	2,073	$	22	$	7,821

					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	)		(432	)		-		(41	)		(988	)
Recoveries		92			33			73			46		20			264
Provision		(711	)		333			1,126			36		(18	)		766
ALLL balance at September 30, 2013	$	788		$	1,299		$	3,639		$	2,073	$	22		$	7,821

	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		(88	)		-		(668	)		(123	)		(62	)		(941	)
Recoveries		70			-		15			-			17			102
Provision		426			7		(125	)		872			13			1,193
ALLL balance at September 30, 2012	$	1,704		$	445	$	2,953		$	2,055		$	16		$	7,173

	Commercial and industrial			Real estate- construction		Real estate- residential mortgage			Real estate- commercial mortgage		Consumer installment			Total
ALLL balance at June 30, 2013	$	875		$	1,191	$	3,626		$	2,005	$	52		$	7,749
Charge-offs		-			-		(87	)		-		(5	)		(92	)
Recoveries		-			-		2			-		9			11
Provision		(87	)		108		98			68		(34	)		153
ALLL balance at September 30, 2013	$	788		$	1,299	$	3,639		$	2,073	$	22		$	7,821

	Commercial and industrial			Real estate- construction			Real estate- residential mortgage			Real estate- commercial mortgage			Consumer installment			Total
ALLL balance at June 30, 2012	$	1,626		$	504		$	4,109		$	1,492		$	21		$	7,752
Charge-offs		(60	)		-			(570	)		(70	)		(40	)		(740	)
Recoveries		1			-			12			-			5			18
Provision		137			(59	)		(598	)		633			30			143
ALLL balance at September 30, 2012	$	1,704		$	445		$	2,953		$	2,055		$	16		$	7,173

Impaired Financing Receivables [Table Text Block]

September 30, 2013
Impaired Loans
	Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance recorded:
Commercial and industrial	$	932	$	932	$	-
Real estate - construction		142		142		-
Real estate - mortgage:
Residential		2,755		2,795		-
Commercial		3,567		3,567		-
Consumer installment		8		8		-
Total	$	7,404	$	7,444	$	-
With an allowance recorded:
Commercial and industrial	$	551	$	551	$	195
Real estate - construction		3,821		3,821		859
Real estate - mortgage:
Residential		3,011		3,050		896
Commercial		3,220		3,220		590
Consumer installment		-		-		-
Total	$	10,603	$	10,642	$	2,540
Total:
Commercial and industrial	$	1,483	$	1,483	$	195
Real estate - construction		3,963		3,963		859
Real estate - mortgage:
Residential		5,766		5,845		896
Commercial		6,787		6,787		590
Consumer installment		8		8		-
Total	$	18,007	$	18,086	$	2,540

December 31, 2012
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 September 30, 2013				For the Nine Months Ended September 30, 2013
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Total:
Commercial and industrial	$	2,085	$	8	$	2,286	$	78
Real estate - construction		3,731		43		3,654		138
Real estate - mortgage:
Residential		5,351		81		5,213		224
Commercial		6,403		138		6,275		355
Consumer installment		13		-		15		1

	For the Three Months Ended September 30, 2012				For the Nine Months Ended September 30, 2012
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Total:
Commercial and industrial	$	2,535	$	139	$	2,170	$	170
Real estate - construction		2,305		-		2,400		113
Real estate - mortgage:
Residential		3,622		85		3,764		169
Commercial		3,597		200		3,985		324
Consumer installment		13		1		27		2

Financing Receivable Credit Quality Indicators [Table Text Block]

	Pass		Special Mention		Substandard		Doubtful		Total Loans
September 30, 2013
Commercial and industrial	$	48,085	$	873	$	1,264	$	43	$	50,265
Real estate - construction		20,615		912		3,960		-		25,487
Real estate - mortgage:
Residential		190,408		964		11,940		-		203,312
Commercial		127,634		2,256		5,870		-		135,760
Consumer installment		4,218		-		18		-		4,236
Total	$	390,960	$	5,005	$	23,052	$	43	$	419,060

	Pass		Special Mention		Substandard		Doubtful		Total Loans
December 31, 2012
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
September 30, 2013
Commercial and industrial	$	49,234	$	656	$	56	$	83	$	795	$	236	$	50,265
Real estate - construction		24,594		17		876		-		893		-		25,487
Real estate - mortgage:
Residential		192,461		1,414		666		414		2,494		8,357		203,312
Commercial		134,030		-		-		346		346		1,384		135,760
Consumer installment		4,182		41		3		-		44		10		4,236
Total	$	404,502	$	2,128	$	1,601	$	843	$	4,572	$	9,986	$	419,060

			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
	September 30, 2013								September 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		1		-		1	$	137		2				2	$	13
Real estate- mortgage:
Residential		-		-		-		-		6		1		7		619
Consumer Installment		-		-		-		-		1		-		1		6

	Nine months ended
	September 30, 2013								September 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		6		-		6	$	879		8		1		9	$	243
Real estate- mortgage:
Residential		2		-		2		383		8		2		10		946
Consumer Installment		1		-		1		644		2		-		2		11

Troubled Debt Restructurings That Subsequently Defaulted [Table Text Block]

	Nine months ended
	September 30, 2013				September 30, 2012
Troubled Debt Restructurings subsequently defaulted	Number of Contracts		Recorded Investment		Number of Contracts		Recorded Investment
Commercial and industrial		1	$	565		2	$	60
Real estate- mortgage:
Residential		-		-		1		20
Commercial		1		190		-		-

Current Quarter [Member]

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

Troubled Debt Restructurings That Subsequently Defaulted [Table Text Block]

	Three months ended
	September 30, 2013				September 30, 2012
Troubled Debt Restructurings subsequently defaulted	Number of Contracts		Recorded Investment		Number of Contracts		Recorded Investment
Commercial and industrial		-	$	-		1	$	30
Real estate- mortgage:
Residential		-		-		1		20