Note 10 - Allowance for Loan Losses and Credit Quality Information (Tables)

9 Months Ended

Sep. 30, 2013

Note 10 - Allowance for Loan Losses and Credit Quality Information (Tables) [Line Items]

Allowance for Credit Losses on Financing Receivables [Table Text Block]

(Dollars in thousands)	1-4 Family			Commercial Real Estate			Consumer			Commercial Business			Total
For the three months ended September 30, 2013:
Balance, June 30, 2013	$	2,059			14,089			1,431			2,780			20,359
Provision for losses		(675	)		(3,512	)		(58	)		(85	)		(4,330	)
Charge-offs		0			(2	)		(374	)		(50	)		(426	)
Recoveries		0			711			14			177			902
Balance, September 30, 2013	$	1,384			11,286			1,013			2,822			16,505
For the nine months ended September 30, 2013:
Balance, December 31, 2012	$	2,821			13,588			1,146			4,053			21,608
Provision for losses		(1,250	)		(2,646	)		256			(1,210	)		(4,850	)
Charge-offs		(200	)		(911	)		(475	)		(606	)		(2,192	)
Recoveries		13			1,255			86			585			1,939
Balance, September 30, 2013	$	1,384			11,286			1,013			2,822			16,505
Allocated to:
Specific reserves	$	571			2,591			537			1,114			4,813
General reserves		2,250			10,997			609			2,939			16,795
Balance, December 31, 2012	$	2,821			13,588			1,146			4,053			21,608
Allocated to:
Specific reserves	$	309			5,218			335			690			6,552
General reserves		1,075			6,068			678			2,132			9,953
Balance, September 30, 2013	$	1,384			11,286			1,013			2,822			16,505
Loans receivable at December 31, 2012:
Individually reviewed for impairment	$	4,687			28,195			1,823			2,395			37,100
Collectively reviewed for impairment		92,350			216,712			52,152			77,459			438,673
Ending balance	$	97,037			244,907			53,975			79,854			475,773
Loans receivable at September 30, 2013:
Individually reviewed for impairment	$	3,423			22,569			746			1,399			28,137
Collectively reviewed for impairment		75,158			184,892			52,668			68,984			381,702
Ending balance	$	78,581			207,461			53,414			70,383			409,839

(Dollars in thousands)	1-4 Family			Commercial Real Estate			Consumer			Commercial Business			Total
For the three months ended September 30, 2012:
Balance, June 30, 2012	$	3,665			11,553			1,268			4,033			20,519
Provision for losses		(621	)		2,246			4			(45	)		1,584
Charge-offs		0			(1,535	)		(164	)		(167	)		(1,866	)
Recoveries		0			47			94			84			225
Balance, September 30, 2012	$	3,044			12,311			1,202			3,905			20,462
For the nine months ended September 30, 2012:
Balance, December 31, 2011	$	3,718			13,622			1,159			5,389			23,888
Provision for losses		(674	)		3,037			851			(670	)		2,544
Charge-offs		0			(5,719	)		(921	)		(1,996	)		(8,636	)
Recoveries		0			1,371			113			1,182			2,666
Balance, September 30, 2012	$	3,044			12,311			1,202			3,905			20,462

Financing Receivable Credit Quality Indicators [Table Text Block]

	September 30, 2013
	Classified										Unclassified
(Dollars in thousands)	Special Mention		Substandard		Doubtful		Loss		Total		Total		Total Loans
1-4 family	$	746		8,904		0		0		9,650		68,931		78,581
Commercial real estate:
Residential developments		0		26,094		0		0		26,094		11,331		37,425
Other		17,513		22,038		0		0		39,551		130,485		170,036
Consumer		0		439		60		247		746		52,668		53,414
Commercial business:
Construction industry		0		325		0		0		325		6,355		6,680
Other		574		8,711		0		0		9,285		54,418		63,703
	$	18,833		66,511		60		247		85,651		324,188		409,839

	December 31, 2012
	Classified										Unclassified
(Dollars in thousands)	Special Mention		Substandard		Doubtful		Loss		Total		Total		Total Loans
1-4 family	$	1,004		13,915		33		0		14,952		82,085		97,037
Commercial real estate:
Residential developments		744		36,210		0		0		36,954		9,389		46,343
Other		17,170		30,365		0		0		47,535		151,029		198,564
Consumer		0		1,543		123		157		1,823		52,152		53,975
Commercial business:
Construction industry		0		320		0		0		320		2,346		2,666
Other		1,224		12,628		134		0		13,986		63,202		77,188
	$	20,142		94,981		290		157		115,570		360,203		475,773

Past Due Financing Receivables [Table Text Block]

(Dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current Loans		Total Loans		Loans 90 Days or More Past Due and Still Accruing
September 30, 2013
1-4 family	$	878		930		0		1,808		76,773		78,581		0
Commercial real estate:
Residential developments		256		0		739		995		36,430		37,425		0
Other		101		0		0		101		169,935		170,036		0
Consumer		355		98		3		456		52,958		53,414		0
Commercial business:
Construction industry		0		0		0		0		6,680		6,680		0
Other		0		0		0		0		63,703		63,703		0
	$	1,590		1,028		742		3,360		406,479		409,839		0
December 31, 2012
1-4 family	$	1,172		240		0		1,412		95,625		97,037		0
Commercial real estate:
Residential developments		0		0		0		0		46,343		46,343		0
Other		49		0		289		338		198,226		198,564		0
Consumer		591		80		0		671		53,304		53,975		0
Commercial business:
Construction industry		45		0		79		124		2,542		2,666		0
Other		1,441		106		7,467		9,014		68,174		77,188		7,423
	$	3,298		426		7,835		11,559		464,214		475,773		7,423

Impaired Financing Receivables [Table Text Block]

	September 30, 2013						December 31, 2012
(Dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Recorded Investment		Unpaid Principal Balance		Related Allowance
Loans with no related allowance recorded:
1-4 family	$	1,583		1,583		0		1,617		1,617		0
Commercial real estate:
Residential developments		8,754		11,946		0		10,714		15,530		0
Other		335		335		0		640		640		0
Consumer		287		293		0		393		400		0
Commercial business:
Construction industry		96		171		0		102		1,038		0
Other		0		0		0		34		534		0
Loans with an allowance recorded:
1-4 family		1,840		1,884		309		3,070		3,114		571
Commercial real estate:
Residential developments		12,109		14,400		4,943		14,061		16,545		1,669
Other		1,371		1,454		275		2,780		3,133		921
Consumer		459		459		335		1,430		1,430		537
Commercial business:
Construction industry		0		0		0		74		74		62
Other		1,303		2,055		690		2,185		2,936		1,053
Total:
1-4 family		3,423		3,467		309		4,687		4,731		571
Commercial real estate:
Residential developments		20,863		26,346		4,943		24,775		32,075		1,669
Other		1,706		1,789		275		3,420		3,773		921
Consumer		746		752		335		1,823		1,830		537
Commercial business:
Construction industry		96		171		0		176		1,112		62
Other		1,303		2,055		690		2,219		3,470		1,053
	$	28,137		34,580		6,552		37,100		46,991		4,813

	For the three months ended September 30, 2013				For the nine months ended September 30, 2013
(Dollars in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Loans with no related allowance recorded:
1-4 family	$	1,589		31		1,608		46
Commercial real estate:
Residential developments		9,127		29		9,338		43
Other		335		16		424		18
Consumer		309		5		315		8
Commercial business:
Construction industry		98		0		90		0
Other		0		0		9		0
Loans with an allowance recorded:
1-4 family		2,272		6		2,571		19
Commercial real estate:
Residential developments		12,031		27		13,519		41
Other		1,856		228		2,249		232
Consumer		998		7		1,221		18
Commercial business:
Construction industry		0		0		36		0
Other		1,332		17		1,791		28
Total:
1-4 family		3,861		37		4,179		65
Commercial real estate:
Residential developments		21,158		56		22,857		84
Other		2,191		244		2,673		250
Consumer		1,307		12		1,536		26
Commercial business:
Construction industry		98		0		126		0
Other		1,332		17		1,800		28
	$	29,947		366		33,171		453

	For the three months ended September 30, 2012				For the nine months ended September 30, 2012
(Dollars in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Loans with no related allowance recorded:
1-4 family	$	3,214		20		3,312		70
Commercial real estate:
Residential developments		11,737		60		10,752		370
Other		2,540		4		3,177		22
Consumer		355		3		390		6
Commercial business:
Construction industry		99		0		269		0
Other		1,620		2		1,556		8
Loans with an allowance recorded:
1-4 family		3,491		13		3,780		52
Commercial real estate:
Residential developments		14,521		37		14,627		111
Other		2,577		2		4,272		4
Consumer		1,672		32		1,269		75
Commercial business:
Construction industry		243		0		164		0
Other		2,604		9		3,847		40
Total:
1-4 family		6,705		33		7,092		122
Commercial real estate:
Residential developments		26,258		97		25,379		481
Other		5,117		6		7,449		26
Consumer		2,027		35		1,659		81
Commercial business:
Construction industry		342		0		433		0
Other		4,224		11		5,403		48
	$	44,673		182		47,415		758

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

(Dollars in thousands)	September 30, 2013		December 31, 2012
1-4 family	$	1,626	$	2,492
Commercial real estate:
Residential developments		18,950		23,652
Other		628		1,891
Consumer		442		300
Commercial business:
Construction industry		97		176
Other		614		1,464
	$	22,357	$	29,975

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	September 30, 2013						December 31, 2012
(Dollars in thousands)	Accrual		Non-Accrual		Total		Accrual		Non-Accrual		Total
1-4 Family	$	1,798		814		2,612		2,196		1,404		3,600
Commercial real estate		2,990		18,301		21,291		2,653		23,222		25,875
Consumer		304		257		561		1,522		292		1,814
Commercial business		689		561		1,250		754		1,012		1,766
	$	5,781		19,933		25,714		7,125		25,930		33,055

	Three Months Ended September 30, 2013						Nine Months Ended September 30, 2013
(Dollars in thousands)	Number of Contracts		Pre-modification Outstanding Recorded Investment		Post-modification Outstanding Recorded Investment		Number of Contracts		Pre-modification Outstanding Recorded Investment		Post-modification Outstanding Recorded Investment
Troubled debt restructurings:
1-4 family		0	$	0	$	0		1	$	193	$	200
Commercial real estate:
Other		1		679		254		3		754		329
Consumer		12		131		144		17		249		263
Commercial business:
Construction industry		0		0		0		1		41		41
Other		4		194		218		5		193		218
Total		17	$	1,004	$	616		27	$	1,430	$	1,051

Financing Receivable, Modifications, Subsequent Default, Nature and Extent of Transaction

	Three Months Ended September 30, 2012				Nine Months Ended September 30, 2012
(Dollars in thousands)	Number of Contracts		Outstanding Recorded Investment		Number of Contracts		Outstanding Recorded Investment
Troubled debt restructurings that subsequently defaulted:
1-4 family		0	$	0		2	$	940
Commercial real estate:
Other		0		0		2		159
Consumer		1		71		1		71
Commercial business:
Other		2		227		5		3,004
Total		3	$	298		10	$	4,174

Prior Year [Member]

Note 10 - Allowance for Loan Losses and Credit Quality Information (Tables) [Line Items]

	Three Months Ended September 30, 2012						Nine Months Ended September 30, 2012
(Dollars in thousands)	Number of Contracts		Pre-modification Outstanding Recorded Investment		Post-modification Outstanding Recorded Investment		Number of Contracts		Pre-modification Outstanding Recorded Investment		Post-modification Outstanding Recorded Investment
Troubled debt restructurings:
1-4 family		4	$	452	$	439		31	$	3,666	$	3,643
Commercial real estate:
Residential developments		3		2,565		1,702		10		14,044		11,524
Other		0		0		0		6		2,814		2,587
Consumer		4		183		205		15		1,413		1,435
Commercial business:
Construction industry		0		0		0		1		80		80
Other		2		211		211		4		471		471
Total		13	$	3,411	$	2,557		67	$	22,488	$	19,740