Note 4. Loans and Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2012

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

Loans are comprised of the following:	June 30,		December 31,
	2012		2011
Residential real estate	$	233,130	$	238,490
Commercial real estate:
Owner-occupied		110,271		132,303
Nonowner-occupied		49,898		53,681
Construction		23,740		21,471
Commercial and industrial		45,982		45,200
Consumer:
Automobile		42,284		45,702
Home equity		19,164		20,507
Other		39,605		40,954
		564,074		598,308
Less:  Allowance for loan losses		7,527		7,344
Loans, net	$	556,547	$	590,964

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

June 30, 2012	Residential Real Estate			Commercial Real Estate			Commercial and Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,491		$	3,423		$	623		$	1,310		$	6,847
Provision for loan losses		18			1,004			(319	)		(179	)		524
Loans charged off		(85	)		(62	)		----			(298	)		(445	)
Recoveries		19			4			349			229			601
Total ending allowance balance	$	1,443		$	4,369		$	653		$	1,062		$	7,527

June 30, 2011	Residential Real Estate			Commercial Real Estate			Commercial and Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,337		$	4,251		$	1,140		$	1,324		$	8,052
Provision for loan losses		489			(116	)		421			(35	)		759
Loans charged off		(722	)		(1,547	)		(862	)		(330	)		(3,461	)
Recoveries		29			804			71			225			1,129
Total ending allowance balance	$	1,133		$	3,392		$	770		$	1,184		$	6,479

June 30, 2012	Residential Real Estate			Commercial Real Estate			Commercial and Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,730		$	3,623		$	636		$	1,355		$	7,344
Provision for loan losses		295			1,896			(407	)		56			1,840
Loans charged off		(678	)		(1,158	)		(70	)		(817	)		(2,723	)
Recoveries		96			8			494			468			1,066
Total ending allowance balance	$	1,443		$	4,369		$	653		$	1,062		$	7,527

June 30, 2011	Residential Real Estate			Commercial Real Estate			Commercial and Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,051		$	3,083		$	3,795		$	1,457		$	9,386
Provision for loan losses		1,014			985			1,605			99			3,703
Loans charged off		(969	)		(1,587	)		(4,701	)		(747	)		(8,004	)
Recoveries		37			911			71			375			1,394
Total ending allowance balance	$	1,133		$	3,392		$	770		$	1,184		$	6,479

Allowance for Loan Losses and the Recorded Investment of Loans [Table Text Block]

June 30, 2012	Residential Real Estate		Commercial Real Estate		Commercial and Industrial		Consumer		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	128	$	1,845	$	----	$	----	$	1,973
Collectively evaluated for impairment		1,315		2,524		653		1,062		5,554
Total ending allowance balance	$	1,443	$	4,369	$	653	$	1,062	$	7,527
Loans:
Loans individually evaluated for impairment	$	1,454	$	13,104	$	----	$	242	$	14,800
Loans collectively evaluated for impairment		231,676		170,805		45,982		100,811		549,274
Total ending loans balance	$	233,130	$	183,909	$	45,982	$	101,053	$	564,074

December 31, 2011	Residential Real Estate		Commercial Real Estate		Commercial and Industrial		Consumer		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	130	$	525	$	----	$	----	$	655
Collectively evaluated for impairment		1,730		2,968		636		1,355		6,689
Total ending allowance balance	$	1,860	$	3,493	$	636	$	1,355	$	7,344
Loans:
Loans individually evaluated for impairment	$	1,505	$	9,733	$	334	$	----	$	11,572
Loans collectively evaluated for impairment		225,404		209,303		44,866		107,163		586,736
Total ending loans balance	$	226,909	$	219,036	$	45,200	$	107,163	$	598,308

Schedule of Loans Individually Evaluated for Impairment [Table Text Block]

Six months ended June 30, 2012	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated		Average Impaired Loans		Interest Income Recognized		Cash Basis Interest Recognized
With no related allowance recorded:
Residential real estate	$	1,174	$	1,034	$	----	$	886	$	18	$	13
Commercial real estate:
Owner-occupied		7,410		7,159		----		5,631		264		244
Nonowner-occupied		1,790		889		----		934		24		23
Construction		675		395		----		488		6		6
Consumer:
Automobile		22		22		----		15		1		1
Home equity		220		220		----		147		5		5
With an allowance recorded:
Residential real estate		420		420		128		420		17		13
Commercial real estate:
Owner-occupied		3,614		3,614		1,207		3,529		77		69
Nonowner-occupied		1,298		1,047		638		1,198		18		17
Total	$	16,623	$	14,800	$	1,973	$	13,248	$	430	$	391

Six months ended June 30, 2011	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated		Average Impaired Loans		Interest Income Recognized		Cash Basis Interest Recognized
With no related allowance recorded:
Residential real estate	$	1,161	$	968	$	----	$	1,065	$	26	$	17
Commercial real estate:
Owner-occupied		7,713		7,008		----		7,309		239		232
Nonowner-occupied		1,361		1,361		----		1,361		22		22
Construction		679		679		----		679		19		17
Commercial and industrial		7,257		3,139		----		4,986		192		159
With an allowance recorded:
Commercial real estate:
Nonowner-occupied		2,423		2,423		424		2,423		70		60
Total	$	20,594	$	15,578	$	424	$	17,823	$	568	$	507

Year ended December  31, 2011	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated		Average Impaired Loans		Interest Income Recognized		Cash Basis Interest Recognized
With no related allowance recorded:
Residential real estate	$	1,136	$	1,085	$	----	$	748	$	36	$	31
Commercial real estate:
Owner-occupied		5,713		5,470		----		5,510		325		317
Nonowner-occupied		1,192		1,192		----		1,247		56		49
Commercial and industrial		614		334		----		483		40		40
With an allowance recorded:
Residential real estate		420		420		130		84		27		22
Commercial real estate:
Nonowner-occupied		2,396		2,396		437		2,414		128		118
Construction		675		675		88		677		35		31
Total	$	12,146	$	11,572	$	655	$	11,163	$	647	$	608

Schedule of Recorded Investment in Nonaccrual Loans [Table Text Block]

June 30, 2012	Loans Past Due 90 Days And Still Accruing		Nonaccrual
Residential real estate	$	187	$	2,494
Commercial real estate:
Owner-occupied		----		38
Nonowner-occupied		----		959
Construction		----		1,574
Consumer:
Automobile		22		11
Home equity		----		5
Other		56		2
Total	$	265	$	5,083

December 31, 2011	Loans Past Due 90 Days And Still Accruing		Nonaccrual
Residential real estate	$	439	$	2,536
Commercial real estate:
Owner-occupied		----		125
Nonowner-occupied		----		----
Consumer:
Automobile		13		12
Home equity		----		5
Other		7		----
Total	$	459	$	2,678

Past Due Financing Receivables [Table Text Block]

June 30, 2012	30-59 Days Past Due		60-89 Days Past Due		90 Days Or More Past Due		Total Past Due		Loans Not Past Due		Total
Residential real estate	$	1,981	$	1,382	$	2,681	$	6,044	$	227,086	$	233,130
Commercial real estate:
Owner-occupied		1,717		----		38		1,755		108,516		110,271
Nonowner-occupied		----		472		487		959		48,939		49,898
Construction		----		----		1,574		1,574		22,166		23,740
Commercial and industrial		114		----		----		114		45,868		45,982
Consumer:
Automobile		516		278		32		826		41,458		42,284
Home equity		165		----		5		170		18,994		19,164
Other		307		102		56		465		39,140		39,605
Total	$	4,800	$	2,234	$	4,873	$	11,907	$	552,167	$	564,074

December 31, 2011	30-59 Days Past Due		60-89 Days Past Due		90 Days Or More Past Due		Total Past Due		Loans Not Past Due		Total
Residential real estate	$	3,731	$	1,144	$	2,975	$	7,850	$	230,640	$	238,490
Commercial real estate:
Owner-occupied		182		----		125		307		131,996		132,303
Nonowner-occupied		----		232		----		232		53,449		53,681
Construction		204		----		----		204		21,267		21,471
Commercial and industrial		171		14		----		185		45,015		45,200
Consumer:
Automobile		864		110		13		987		44,715		45,702
Home equity		75		76		5		156		20,351		20,507
Other		506		162		7		675		40,279		40,954
Total	$	5,733	$	1,738	$	3,125	$	10,596	$	587,712	$	598,308

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	TDR’s Performing to Modified Terms		TDR’s Not Performing to Modified Terms		Total  TDR’s
June 30, 2012
Residential real estate
Interest only payments	$	----	$	252	$	252
Rate reduction		420		----		420
Commercial real estate:
Owner-occupied
Interest only payments		2,939		674		3,613
Rate reduction		442		----		442
Maturity extension at lower stated rate           than market rate		206		----		206
Reduction of principal and interest payments		4,266		----		4,266
Nonowner-occupied
Interest only payments		961		959		1,920
Construction
Interest only payments		----		395		395
Total TDR’s	$	9,234	$	2,280	$	11,514

	TDR’s Performing to Modified Terms		TDR’s Not Performing to Modified Terms		Total  TDR’s
December 31, 2011
Residential real estate
Interest only payments	$	----	$	283	$	283
Rate reduction		420		----		420
Commercial real estate:
Owner-occupied
Interest only payments		3,619		----		3,619
Rate reduction		449		----		449
Maturity extension at lower stated rate           than market rate		219		----		219
Nonowner-occupied
Interest only payments		3,357		----		3,357
Construction
Interest only payments		674		----		674
Commercial and industrial
Interest only payments		334		----		334
Total TDR’s	$	9,072	$	283	$	9,355

Schedule of Post-Modifications Balances of TDR Loan Modifications [Table Text Block]

	TDR’s Performing to Modified Terms				TDR’s Not Performing to Modified Terms
Six months ended June 30, 2012	Pre-Modification Recorded Investment		Post-Modification Recorded Investment		Pre-Modification Recorded Investment		Post-Modification Recorded Investment
Commercial real estate:
Owner-occupied
Reduction of principal and interest payments	$	4,308	$	4,266	$	----	$	----
Total TDR’s	$	4,308	$	4,266	$	----	$	----

Financing Receivable Credit Quality Indicators [Table Text Block]

June 30, 2012	Pass		Criticized		Classified		Total
Commercial real estate:
Owner-occupied	$	85,829	$	13,152	$	11,290	$	110,271
Nonowner-occupied		33,931		8,448		7,519		49,898
Construction		22,166		----		1,574		23,740
Commercial and industrial		38,809		75		7,098		45,982
Total	$	180,735	$	21,675	$	27,481	$	229,891

December 31, 2011	Pass		Criticized		Classified		Total
Commercial real estate:
Owner-occupied	$	103,743	$	15,030	$	13,530	$	132,303
Nonowner-occupied		30,375		12,815		10,491		53,681
Construction		19,519		----		1,952		21,471
Commercial and industrial		36,633		3,250		5,317		45,200
Total	$	190,270	$	31,095	$	31,290	$	252,655

Performing and Nonperforming Loans [Table Text Block]

	Consumer
June 30, 2012	Automobile		Home Equity		Other		Residential Real Estate		Total
Performing	$	42,251	$	19,159	$	39,547	$	230,449	$	331,406
Nonperforming		33		5		58		2,681		2,777
Total	$	42,284	$	19,164	$	39,605	$	233,130	$	334,183

	Consumer
December 31, 2011	Automobile		Home Equity		Other		Residential Real Estate		Total
Performing	$	45,677	$	20,502	$	40,947	$	235,515	$	342,641
Nonperforming		25		5		7		2,975		3,012
Total	$	45,702	$	20,507	$	40,954	$	238,490	$	345,653