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

9 Months Ended

Sep. 30, 2012

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

Loans are comprised of the following:	September 30, 2012		December 31, 2011
Residential real estate	$	229,749	$	238,490
Commercial real estate:
Owner-occupied		105,784		129,364
Nonowner-occupied		58,420		56,620
Construction		21,163		21,471
Commercial and industrial		47,229		45,200
Consumer:
Automobile		41,508		45,702
Home equity		18,859		20,507
Other		39,823		40,954
		562,535		598,308
Less:  Allowance for loan losses		8,185		7,344
Loans, net	$	554,350	$	590,964

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

September 30, 2012	Residential Real Estate			Commercial Real Estate			Commercial and Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,443		$	4,369		$	653		$	1,062		$	7,527
Provision for loan losses		257			394			359			173			1,183
Loans charged off		(61	)		(54	)		(429	)		(430	)		(974	)
Recoveries		23			27			159			240			449
Total ending allowance balance	$	1,662		$	4,736		$	742		$	1,045		$	8,185

September 30, 2011	Residential Real Estate			Commercial Real Estate			Commercial and Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,133		$	3,392		$	770		$	1,184		$	6,479
Provision for loan losses		904			(82	)		(74	)		404			1,152
Loans charged off		(741	)		(113	)		(26	)		(476	)		(1,356	)
Recoveries		59			----			48			129			236
Total ending allowance balance	$	1,355		$	3,197		$	718		$	1,241		$	6,511

September 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		552			2,290			(48	)		229			3,023
Loans charged off		(739	)		(1,212	)		(499	)		(1,247	)		(3,697	)
Recoveries		119			35			653			708			1,515
Total ending allowance balance	$	1,662		$	4,736		$	742		$	1,045		$	8,185

September 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		1,918			903			1,531			503			4,855
Loans charged off		(1,710	)		(1,700	)		(4,727	)		(1,223	)		(9,360	)
Recoveries		96			911			119			504			1,630
Total ending allowance balance	$	1,355		$	3,197		$	718		$	1,241		$	6,511

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

September 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	$	2,078	$	----	$	----	$	2,206
Collectively evaluated for impairment		1,534		2,658		742		1,045		5,979
Total ending allowance balance	$	1,662	$	4,736	$	742	$	1,045	$	8,185
Loans:
Loans individually evaluated for impairment	$	1,194	$	12,524	$	----	$	219	$	13,937
Loans collectively evaluated for impairment		228,555		172,843		47,229		99,971		548,598
Total ending loans balance	$	229,749	$	185,367	$	47,229	$	100,190	$	562,535

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		236,985		197,722		44,866		107,163		586,736
Total ending loans balance	$	238,490	$	207,455	$	45,200	$	107,163	$	598,308

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

Nine months ended September 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	$	914	$	774	$	----	$	662	$	22	$	22
Commercial real estate:
Owner-occupied		5,557		5,557		----		4,529		23		11
Nonowner-occupied		3,948		3,048		----		3,657		25		22
Construction		1,713		1,433		----		811		33		33
Consumer:
Home equity		219		219		----		165		7		7
With an allowance recorded:
Residential real estate		420		420		128		420		7		4
Commercial real estate:
Nonowner-occupied		2,737		2,486		2,078		1,520		26		26
Total	$	15,508	$	13,937	$	2,206	$	11,764	$	143	$	125

Nine months ended September 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	$	1,761	$	1,489	$	----	$	1,171	$	62	$	45
Commercial real estate:
Owner-occupied		5,941		5,213		----		4,510		283		279
Nonowner-occupied		5,827		5,827		----		5,840		230		209
Construction		674		674		----		678		27		26
Commercial and industrial		7,196		3,002		----		4,490		340		251
With an allowance recorded:
Commercial real estate:
Nonowner-occupied		2,405		2,405		405		2,418		100		90
Total	$	23,804	$	18,610	$	405	$	19,107	$	1,042	$	900

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		2,774		2,531		----		2,418		207		309
Nonowner-occupied		4,131		4,131		----		4,339		174		57
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]

September 30, 2012	Loans Past Due 90 Days And Still Accruing		Nonaccrual
Residential real estate	$	260	$	3,385
Commercial real estate:
Owner-occupied		----		758
Nonowner-occupied		----		959
Construction		----		1,519
Commercial and industrial		----		36
Consumer:
Automobile		59		25
Home equity		43		53
Other		9		37
Total	$	371	$	6,772

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

Past Due Financing Receivables [Table Text Block]

September 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	$	3,946	$	1,007	$	3,645	$	8,598	$	221,151	$	229,749
Commercial real estate:
Owner-occupied		1,144		----		758		1,902		103,882		105,784
Nonowner-occupied		52		----		959		1,011		57,409		58,420
Construction		80		----		1,519		1,599		19,564		21,163
Commercial and industrial		90		----		36		126		47,103		47,229
Consumer:
Automobile		593		187		59		839		40,669		41,508
Home equity		182		----		96		278		18,581		18,859
Other		646		98		46		790		39,033		39,823
Total	$	6,733	$	1,292	$	7,118	$	15,143	$	547,392	$	562,535

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		129,057		129,364
Nonowner-occupied		----		232		----		232		56,388		56,620
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
September 30, 2012
Residential real estate
Interest only payments	$	----	$	252	$	252
Rate reduction		420		----		420
Commercial real estate:
Owner-occupied
Interest only payments		----		675		675
Rate reduction		----		440		440
Maturity extension at lower stated rate than market rate		199		----		199
Reduction of principal and interest payments		4,244		----		4,244
Nonowner-occupied
Interest only payments		3,899		958		4,857
Reduction of principal and interest payments		676		----		676
Construction
Interest only payments		----		395		395
Total TDR’s	$	9,438	$	2,720	$	12,158

	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		680		----		680
Rate reduction		449		----		449
Maturity extension at lower stated rate than market rate		219		----		219
Nonowner-occupied
Interest only payments		6,296		----		6,296
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
Nine months ended September 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	$	----	$	----
Nonowner-occupied
Reduction of principal and interest payments		686		676		----		----
Total TDR’s	$	4,994	$	4,942	$	----	$	----

Financing Receivable Credit Quality Indicators [Table Text Block]

	Pass		Criticized		Classified		Total
Commercial real estate:
Owner-occupied	$	87,329	$	12,992	$	5,463	$	105,784
Nonowner-occupied		39,088		8,960		10,372		58,420
Construction		19,644		----		1,519		21,163
Commercial and industrial		39,456		427		7,346		47,229
Total	$	185,517	$	22,379	$	24,700	$	232,596

	Pass		Criticized		Classified		Total
Commercial real estate:
Owner-occupied	$	103,743	$	15,030	$	10,591	$	129,364
Nonowner-occupied		30,375		12,815		13,430		56,620
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]

September 30, 2012	Consumer
	Automobile		Home  Equity		Other		Residential Real Estate		Total
Performing	$	41,424	$	18,763	$	39,777	$	226,104	$	326,068
Nonperforming		84		96		46		3,645		3,871
Total	$	41,508	$	18,859	$	39,823	$	229,749	$	329,939

December 31, 2011	Consumer
	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