XML 58 R23.htm IDEA: XBRL DOCUMENT v2.4.0.6
Note 3 - Loans (Tables)
3 Months Ended
Mar. 31, 2013
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
(Dollars in thousands)
 
March 31,
2013
   
December 31,
2012
 
Real estate – residential mortgage
  $ 151,908     $ 149,257  
Real estate – construction 1
    4,173       5,062  
Commercial, financial and agricultural 2
    200,280       205,052  
Equity lines
    32,852       33,324  
Consumer
    5,129       5,309  
Consumer finance
    280,774       278,186  
      675,116       676,190  
Less allowance for loan losses
    (33,921 )     (35,907 )
Loans, net
  $ 641,195     $ 640,283  
Schedule of Financing Receivables, Non Accrual Status [Table Text Block]
(Dollars in thousands)
 
March 31,
2013
   
December 31,
2012
 
Real estate – residential mortgage
  $ 1,964     $ 1,805  
Real estate – construction:
               
Construction lending
    —       —  
Consumer lot lending
    —       —  
Commercial, financial and agricultural:
               
Commercial real estate lending
    3,349       3,426  
Land acquisition and development lending
    —       5,234  
Builder line lending
    15       15  
Commercial business lending
    760       759  
Equity lines
    78       31  
Consumer
    188       191  
Consumer finance
    675       655  
Total loans on nonaccrual status
  $ 7,029     $ 12,116  
Past Due Financing Receivables [Table Text Block]
(Dollars in thousands)
 
30-59 Days
Past Due
   
60-89 Days
Past Due
   
90+ Days
Past Due
   
Total Past
Due
   
Current
   
Total Loans
   
90+ Days
Past Due and
Accruing
 
Real estate – residential mortgage
  $ 1,768     $ 530     $ 1,217     $ 3,515     $ 148,393     $ 151,908     $ 361  
Real estate – construction:
                                                       
Construction lending
    —       —       —       —       3,490       3,490       —  
Consumer lot lending
    —       —       —       —       683       683       —  
Commercial, financial and agricultural:
                                                       
Commercial real estate lending
    4,681       —       3,171       7,852       116,742       124,594       —  
Land acquisition and development lending
    —       —       —       —       28,208       28,208       —  
Builder line lending
    —       —       —       —       13,890       13,890       —  
Commercial business lending
    20       —       539       559       33,029       33,588       —  
Equity lines
    90       32       70       192       32,660       32,852       —  
Consumer
    17       —       189       206       4,923       5,129       1  
Consumer finance
    5,975       1,175       675       7,825       272,949       280,774       —  
Total
  $ 12,551     $ 1,737     $ 5,861     $ 20,149     $ 654,967     $ 675,116     $ 362  
(Dollars in thousands)
 
30-59 Days
 Past Due
   
60-89 Days
Past Due
   
90+ Days
Past Due
   
Total Past
Due
   
Current
   
Total Loans
   
90+ Days
 Past Due and
Accruing
 
Real estate – residential mortgage
  $ 1,402     $ 456     $ 641     $ 2,499     $ 146,758     $ 149,257     $ —  
Real estate – construction:
                                                       
Construction lending
    —       —       —       —       3,157       3,157       —  
Consumer lot lending
    —       —       —       —       1,905       1,905       —  
Commercial, financial and agricultural:
                                                       
Commercial real estate lending
    7,650       496       324       8,470       111,177       119,647       —  
Land acquisition and development lending
    —       —       5,234       5,234       28,903       34,137       —  
Builder line lending
    —       —       —       —       15,948       15,948       —  
Commercial business lending
    794       —       40       834       34,486       35,320       —  
Equity lines
    270       —       22       292       33,032       33,324       —  
Consumer
    69       —       191       260       5,049       5,309       —  
Consumer finance
    10,111       2,052       655       12,818       265,368       278,186       —  
Total
  $ 20,296     $ 3,004     $ 7,107     $ 30,407     $ 645,783     $ 676,190     $ —  
Impaired Financing Receivables [Table Text Block]
(Dollars in thousands)
 
Recorded
Investment in
Loans
   
Unpaid
Principal
Balance
   
Related
Allowance
   
Average
Balance-Impaired
Loans
   
Interest
Income
Recognized
 
Real estate – residential mortgage
  $ 1,844     $ 2,066     $ 401     $ 2,022     $ 28  
Commercial, financial and agricultural:
                                       
Commercial real estate lending
    3,967       4,259       582       4,074       68  
Commercial business lending
    807       811       92       810       2  
Consumer
    323       323       48       323       3  
Total
  $ 6,941     $ 7,459     $ 1,123     $ 7,229     $ 101  
(Dollars in thousands)
 
Recorded
Investment in
Loans
   
Unpaid
Principal
Balance
   
Related
Allowance
   
Average
Balance-Impaired
Loans
   
Interest
Income
Recognized
 
Real estate – residential mortgage
  $ 2,230     $ 2,283     $ 433     $ 2,266     $ 124  
Commercial, financial and agricultural:
                                       
Commercial real estate lending
    7,892       8,190       1,775       8,260       254  
Land acquisition and development lending
    5,234       5,234       1,432       5,443       236  
Builder line lending
    —       —       —       1,407       —  
Commercial business lending
    812       817       112       827       13  
Consumer
    324       324       49       324       16  
Total
  $ 16,492     $ 16,848     $ 3,801     $ 18,527     $ 643  
Troubled Debt Restructurings on Financing Receivables [Table Text Block]
    Three Months Ended March 31,  
    2013     2012  
(Dollars in thousands)
 
 Number
 of Loans
   
Post-Modification Recorded Investment
    Number of Loans    
Post-Modification Recorded Investment
 
Commercial real estate lending – interest rate concession
   
1
   
$
6
     
—
   
$
—
 
Consumer – interest reduction
   
—
   
—
     
1
   
108
 
Total
   
1
   
$
6
     
1
   
$
108
 
    Three Months Ended March 31,  
    2013     2012  
(Dollars in thousands)
  Number of Loans    
Recorded Investment
    Number of Loans    
Recorded Investment
 
Commercial real estate lending
   
1
   
$
3
     
—
   
$
—