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

9 Months Ended

Sep. 30, 2014

Allowance For Loan Losses And Credit Quality Information [Abstract]

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, 2014:
Balance, June 30, 2014	$	2,085			3,823			1,164			1,624			8,696
Provision for losses		(489	)		14			(16	)		(498	)		(989	)
Charge-offs		0			0			(15	)		(55	)		(70	)
Recoveries		0			229			10			47			286
Balance, September 30, 2014	$	1,596			4,066			1,143			1,118			7,923
For the nine months ended September 30, 2014:
Balance, December 31, 2013	$	1,628			6,458			1,106			2,209			11,401
Provision for losses		60			(3,588	)		83			(1,332	)		(4,777	)
Charge-offs		(92	)		(936	)		(75	)		(56	)		(1,159	)
Recoveries		0			2,132			29			297			2,458
Balance, September 30, 2014	$	1,596			4,066			1,143			1,118			7,923
Allocated to:
Specific reserves	$	404			2,403			382			589			3,778
General reserves		1,224			4,055			724			1,620			7,623
Balance, December 31, 2013	$	1,628			6,458			1,106			2,209			11,401
Allocated to:
Specific reserves	$	277			384			431			180			1,272
General reserves		1,319			3,682			712			938			6,651
Balance, September 30, 2014	$	1,596			4,066			1,143			1,118			7,923
Loans receivable at December 31, 2013:
Individually reviewed for impairment	$	1,888			17,190			917			1,281			21,276
Collectively reviewed for impairment		74,579			177,260			52,506			70,428			374,773
Ending balance	$	76,467			194,450			53,423			71,709			396,049
Loans receivable at September 30, 2014:
Individually reviewed for impairment	$	1,341			9,714			942			769			12,766
Collectively reviewed for impairment		68,012			178,421			53,867			60,384			360,684
Ending balance	$	69,353			188,135			54,809			61,153			373,450

(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

Financing Receivable Credit Quality Indicators [Table Text Block]

	September 30, 2014
	Classified										Unclassified
(Dollars in thousands)	Special Mention		Substandard		Doubtful		Loss		Total		Total		Total Loans
1-4 family	$	0		5,010		213		0		5,223		64,130		69,353
Commercial real estate:
Residential developments		0		10,080		0		0		10,080		13,752		23,832
Other		274		8,844		0		0		9,118		155,185		164,303
Consumer		0		496		148		298		942		53,867		54,809
Commercial business:
Construction industry		35		442		0		0		477		5,635		6,112
Other		810		1,596		0		0		2,406		52,635		55,041
	$	1,119		26,468		361		298		28,246		345,204		373,450

	December 31, 2013
	Classified										Unclassified
(Dollars in thousands)	Special Mention		Substandard		Doubtful		Loss		Total		Total		Total Loans
1-4 family	$	738		6,987		322		0		8,047		68,420		76,467
Commercial real estate:
Residential developments		0		19,229		0		0		19,229		13,755		32,984
Other		5,337		13,092		0		0		18,429		143,037		161,466
Consumer		0		524		152		240		916		52,507		53,423
Commercial business:
Construction industry		0		401		0		0		401		5,933		6,334
Other		1,419		6,433		0		0		7,852		57,523		65,375
	$	7,494		46,666		474		240		54,874		341,175		396,049

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, 2014
1-4 family	$	774		723		375		1,872		67,481		69,353		0
Commercial real estate:
Residential developments		0		0		0		0		23,832		23,832		0
Other		439		126		0		565		163,738		164,303		0
Consumer		170		116		111		397		54,412		54,809		0
Commercial business:
Construction industry		31		0		0		31		6,081		6,112		0
Other		134		0		0		134		54,907		55,041		0
	$	1,548		965		486		2,999		370,451		373,450		0
December 31, 2013
1-4 family	$	1,542		128		322		1,992		74,475		76,467		0
Commercial real estate:
Residential developments		0		1,426		0		1,426		31,558		32,984		0
Other		0		0		0		0		161,466		161,466		0
Consumer		418		256		57		731		52,692		53,423		0
Commercial business:
Construction industry		0		1,934		0		1,934		4,400		6,334		0
Other		800		104		0		904		64,471		65,375		0
	$	2,760		3,848		379		6,987		389,062		396,049		0

Impaired Financing Receivables [Table Text Block]

	September 30, 2014						December 31, 2013
(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	$	303		303		0		88		88		0
Commercial real estate:
Residential developments		7,586		10,239		0		8,257		13,636		0
Other		50		228		0		52		52		0
Consumer		469		473		0		487		491		0
Commercial business:
Construction industry		84		223		0		93		296		0
Other		0		0		0		0		0		0
Loans with an allowance recorded:
1-4 family		1,038		1,038		277		1,800		1,844		404
Commercial real estate:
Residential developments		1,216		1,217		223		7,994		12,725		2,260
Other		862		862		161		888		888		143
Consumer		473		490		431		429		429		382
Commercial business:
Construction industry		0		0		0		0		0		0
Other		685		1,237		180		1,188		1,984		589
Total:
1-4 family		1,341		1,341		277		1,888		1,932		404
Commercial real estate:
Residential developments		8,802		11,456		223		16,251		26,361		2,260
Other		912		1,090		161		940		940		143
Consumer		942		963		431		916		920		382
Commercial business:
Construction industry		84		223		0		93		296		0
Other		685		1,237		180		1,188		1,984		589
	$	12,766		16,310		1,272		21,276		32,433		3,778

	For the three months ended September 30, 2014				For the nine months ended September 30, 2014
(Dollars in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Loans with no related allowance recorded:
1-4 family	$	234		3		352		6
Commercial real estate:
Residential developments		7,691		102		7,688		112
Other		51		5		51		5
Consumer		456		8		468		10
Commercial business:
Construction industry		86		0		89		0
Other		0		0		0		0
Loans with an allowance recorded:
1-4 family		1,606		6		1,651		13
Commercial real estate:
Residential developments		1,153		0		3,521		0
Other		866		9		874		24
Consumer		489		3		479		9
Commercial business:
Construction industry		0		0		0		0
Other		981		8		990		23
Total:
1-4 family		1,840		9		2,003		19
Commercial real estate:
Residential developments		8,844		102		11,209		112
Other		917		14		925		29
Consumer		945		11		947		19
Commercial business:
Construction industry		86		0		89		0
Other		981		8		990		23
	$	13,613		144		16,163		202

	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

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

(Dollars in thousands)	September 30, 2014		December 31, 2013
1-4 family	$	984	$	1,602
Commercial real estate:
Residential developments		8,310		14,146
Other		420		403
Consumer		533		737
Commercial business:
Construction industry		84		93
Other		63		515
	$	10,394	$	17,496

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	September 30, 2014						December 31, 2013
(Dollars in thousands)	Accrual		Non-Accrual		Total		Accrual		Non-Accrual		Total
1-4 Family	$	357		84		441		285		624		909
Commercial real estate		984		8,472		9,456		2,642		13,817		16,459
Consumer		409		332		741		180		533		713
Commercial business		622		199		821		673		475		1,148
	$	2,372		9,087		11,459		3,780		15,449		19,229

Financial Effects Of Troubled Debt Restructurings And Difference Between Outstanding Recorded Balance Pre Modification And Post Modification Table [Text Block]

	Three Months Ended September 30, 2014						Nine Months Ended September 30, 2014
(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		2	$	760	$	760
Commercial real estate:
Residential developments		0		0		0		0		0		0
Other		0		0		0		0		0		0
Consumer		0		0		0		4		155		140
Commercial business:
Construction industry		0		0		0		0		0		0
Other		0		0		0		0		0		0
Total		0	$	0	$	0		6	$	915	$	900

	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:
Residential developments		-		-		-		-		-		-
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

Troubled Debt Restructurings, Subsequent Default [Table Text Block]

	Three Months Ended September 30, 2014				Nine Months Ended September 30, 2014
(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		1	$	640
Commercial real estate:
Residential developments		0		0		0		0
Other		0		0		0		0
Consumer		0		0		0		0
Commercial business:
Construction industry		0		0		0		0
Other		0		0		0		0
Total		0	$	0		1	$	640