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

3 Months Ended

Mar. 31, 2013

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

Loans are comprised of the following:	March 31, 2013		December 31, 2012
Residential real estate	$	223,552	$	226,022
Commercial real estate:
Owner-occupied		102,116		104,842
Nonowner-occupied		50,879		52,792
Construction		19,270		17,376
Commercial and industrial		58,185		57,239
Consumer:
Automobile		40,073		41,168
Home equity		18,151		18,332
Other		39,048		40,517
		551,274		558,288
Less: Allowance for loan losses		6,672		6,905
Loans, net	$	544,602	$	551,383

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

March 31, 2013	Residential Real Estate			Commercial Real Estate			Commercial and Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,329		$	3,946		$	783		$	847		$	6,905
Provision for loan losses		327			(478	)		(33	)		215			31
Loans charged off		(357	)		(2	)		----			(437	)		(796	)
Recoveries		15			278			11			228			532
Total ending allowance balance	$	1,314		$	3,744		$	761		$	853		$	6,672

March 31, 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		277			892			(88	)		235			1,316
Loans charged-off		(593	)		(1,096	)		(70	)		(519	)		(2,278	)
Recoveries		77			4			145			239			465
Total ending allowance balance	$	1,491		$	3,423		$	623		$	1,310		$	6,847

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

March 31, 2013	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	$	133	$	1,979	$	----	$	----	$	2,112
Collectively evaluated for impairment		1,181		1,765		761		853		4,560
Total ending allowance balance	$	1,314	$	3,744	$	761	$	853	$	6,672
Loans:
Loans individually evaluated for impairment	$	1,112	$	15,588	$	----	$	219	$	16,919
Loans collectively evaluated for impairment		222,440		156,677		58,185		97,053		534,355
Total ending loans balance	$	223,552	$	172,265	$	58,185	$	97,272	$	551,274

December 31, 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	$	1,979	$	----	$	----	$	2,107
Collectively evaluated for impairment		1,201		1,967		783		847		4,798
Total ending allowance balance	$	1,329	$	3,946	$	783	$	847	$	6,905
Loans:
Loans individually evaluated for impairment	$	827	$	16,354	$	----	$	220	$	17,401
Loans collectively evaluated for impairment		225,195		158,656		57,239		99,797		540,887
Total ending loans balance	$	226,022	$	175,010	$	57,239	$	100,017	$	558,288

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

Three months ended March 31, 2013	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	$	830	$	686	$	----	$	703	$	3	$	3
Commercial real estate:
Owner-occupied		5,644		5,098		----		5,313		72		72
Nonowner-occupied		7,849		7,049		----		7,052		93		93
Commercial and industrial		422		----		----		----		----		----
Consumer:
Home equity		219		219		----		220		3		3
With an allowance recorded:
Residential real estate		426		426		133		423		4		4
Commercial real estate:
Nonowner-occupied		3,441		3,441		1,979		3,456		41		41
Total	$	18,831	$	16,919	$	2,112	$	17,167	$	216	$	216

Three months ended March 31, 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	$	1,247	$	1,055	$	----	$	1,070	$	7	$	6
Commercial real estate:
Owner-occupied		9,984		9,737		----		7,604		166		143
Nonowner-occupied		3,440		2,293		----		2,458		24		22
Construction		674		395		----		535		5		5
Commercial and industrial		614		329		----		331		10		9
Consumer:
Automobile		36		36		----		18		1		1
Home equity		220		220		----		110		3		3
With an allowance recorded:
Commercial real estate:
Owner-occupied		1,571		1,571		758		996		27		18
Total	$	17,786	$	15,636	$	758	$	13,122	$	243	$	207

Year ended December 31, 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	$	619	$	407	$	----	$	493	$	----	$	----
Commercial real estate:
Owner-occupied		5,528		5,528		----		4,729		338		338
Nonowner-occupied		10,085		8,847		----		4,767		456		456
Commercial and industrial		426		----		----		----		----		----
Consumer:
Home equity		220		220		----		176		9		9
With an allowance recorded:
Residential real estate		420		420		128		420		23		23
Commercial real estate:
Nonowner-occupied		1,979		1,979		1,979		1,132		38		38
Total	$	19,277	$	17,401	$	2,107	$	11,717	$	864	$	864

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

March 31, 2013	Loans Past Due 90 Days And Still Accruing		Nonaccrual
Residential real estate	$	287	$	2,906
Commercial real estate:
Owner-occupied		----		1,115
Nonowner-occupied		----		52
Consumer:
Automobile		9		15
Home equity		100		----
Other		----		5
Total	$	396	$	4,093

December 31, 2012	Loans Past Due 90 Days And Still Accruing		Nonaccrual
Residential real estate	$	341	$	2,533
Commercial real estate:
Owner-occupied		----		675
Nonowner-occupied		----		352
Consumer:
Automobile		11		4
Home equity		----		62
Other		7		----
Total	$	359	$	3,626

Past Due Financing Receivables [Table Text Block]

March 31, 2013	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	$	3,275	$	898	$	3,096	$	7,269	$	216,283	$	223,552
Commercial real estate:
Owner-occupied		816		440		675		1,931		100,185		102,116
Nonowner-occupied		----		----		52		52		50,827		50,879
Construction		----		----		----		----		19,270		19,270
Commercial and industrial		180		----		----		180		58,005		58,185
Consumer:
Automobile		683		145		9		837		39,236		40,073
Home equity		20		----		100		120		18,031		18,151
Other		752		31		5		788		38,260		39,048
Total	$	5,726	$	1,514	$	3,937	$	11,177	$	540,097	$	551,274

December 31, 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	$	5,525	$	1,033	$	2,797	$	9,355	$	216,667	$	226,022
Commercial real estate:
Owner-occupied		753		111		675		1,539		103,303		104,842
Nonowner-occupied		----		----		352		352		52,440		52,792
Construction		----		----		----		----		17,376		17,376
Commercial and industrial		202		----		----		202		57,037		57,239
Consumer:
Automobile		905		138		13		1,056		40,112		41,168
Home equity		112		37		62		211		18,121		18,332
Other		1,066		162		7		1,235		39,282		40,517
Total	$	8,563	$	1,481	$	3,906	$	13,950	$	544,338	$	558,288

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
March 31, 2013
Residential real estate
Interest only payments	$	249	$	----	$	249
Rate reduction		426		----		426
Commercial real estate:
Owner-occupied
Interest only payments		----		675		675
Rate reduction		----		440		440
Maturity extension at lower stated rate than market rate		183		----		183
Reduction of principal and interest payments		3,800		----		3,800
Nonowner-occupied
Interest only payments		9,825		----		9,825
Reduction of principal and interest payments		665		----		665
Total TDR’s	$	15,148	$	1,115	$	16,263

	TDR’s Performing to Modified Terms		TDR’s Not Performing to Modified Terms		Total TDR’s
December 31, 2012
Residential real estate
Interest only payments	$	----	$	180	$	180
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		191		----		191
Reduction of principal and interest payments		4,222		----		4,222
Nonowner-occupied
Interest only payments		9,856		300		10,156
Reduction of principal and interest payments		670		----		670
Total TDR’s	$	15,799	$	1,155	$	16,954

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
Three months ended March 31, 2013	Pre-Modification Recorded Investment		Post-Modification Recorded Investment		Pre-Modification Recorded Investment		Post-Modification Recorded Investment
Residential real estate
Interest only payments	$	249	$	249	$	----	$	----
Total TDR’s	$	249	$	249	$	----	$	----

Financing Receivable Credit Quality Indicators [Table Text Block]

March 31, 2013	Pass		Criticized		Classified		Total
Commercial real estate:
Owner-occupied	$	91,287	$	7,803	$	3,026	$	102,116
Nonowner-occupied		42,990		680		7,209		50,879
Construction		18,200		----		1,070		19,270
Commercial and industrial		49,336		5,105		3,744		58,185
Total	$	201,813	$	13,588	$	15,049	$	230,450

December 31, 2012	Pass		Criticized		Classified		Total
Commercial real estate:
Owner-occupied	$	87,614	$	14,057	$	3,171	$	104,842
Nonowner-occupied		39,627		2,171		10,994		52,792
Construction		16,276		----		1,100		17,376
Commercial and industrial		47,226		4,793		5,220		57,239
Total	$	190,743	$	21,021	$	20,485	$	232,249

Performing and Nonperforming Loans [Table Text Block]

March 31, 2013	Consumer
	Automobile		Home  Equity		Other		Residential Real Estate		Total
Performing	$	40,049	$	18,051	$	39,043	$	220,359	$	317,502
Nonperforming		24		100		5		3,193		3,322
Total	$	40,073	$	18,151	$	39,048	$	223,552	$	320,824

December 31, 2012	Consumer
	Automobile		Home Equity		Other		Residential Real Estate		Total
Performing	$	41,153	$	18,270	$	40,510	$	223,148	$	323,081
Nonperforming		15		62		7		2,874		2,958
Total	$	41,168	$	18,332	$	40,517	$	226,022	$	326,039