Loans Receivable and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2012

Loans Receivable and Allowance for Loan Losses [Abstract]

Composition of Loans Receivable [Table Text Block]

	Types of loans
	(dollars in thousands)  December 31, 2012   December 31, 2011
Real Estate-Residential	$150,043	31.4%	$148,148	32.3%
Commercial	274,484	57.5	262,476	57.3
Construction	13,435	2.8	11,087	2.4
Commercial, financial and agricultural	25,113	5.3	22,684	5.0
Consumer loans to individuals	14,154	3.0	13,934	3.0
Total loans	477,229	100.0%	458,329	100.0%
Deferred fees	(519)		(422)
Total loans receivable	476,710		457,907
Allowance for loan losses	(5,502)		(5,458)
Net loans receivable	$471,208		$452,449

Changes In The Accretable Yield For Purchased Credit Impaired Loans [Table Text Block]

	2012	2011
Balance at beginning of period	$171	$329
Accretion	(95)	(67)
Reclassification and other	--	(91)
Balance at end of period	$76	$171

Loans Acquired And Accounted For in Accordance With ASC 310-30 [Table Text Block]

	December 31, 2012	December 31, 2011
Outstanding Balance	$1,145	$1,412
Carrying Amount	$1,069	$1,241

Allowance for Loan Losses and Recorded Investment in Financing Receivables [Table Text Block]

The following table presents changes in the allowance for loan losses:

	Year ended December 31,
	(dollars in thousands)
	2012			2011			2010
Allowance balance at beginning of period	$	5,458		$	5,616		$	5,453
Charge-offs:
Commercial and all other		(24	)		(2	)		(85	)
Real Estate		(2,354	)		(1,735	)		(699	)
Consumer		(59	)		(109	)		(82	)
Total		(2,437	)		(1,846	)		(866	)
Recoveries:
Commercial and all other		-			5			—
Real Estate		7			51			2
Consumer		24			57			27
Total		31			113			29
Provision expense		2,450			1,575			1,000
Allowance balance at end of period	$	5,502		$	5,458		$	5,616

The following table presents the allowance for loan losses by the classes of the loan portfolio:

(In thousands)		Residential Real Estate		Commercial Real Estate		Construction		Commercial		Consumer		Total
Beginning balance, December 31, 2011	$	1,257	$	3,838	$	72	$	147	$	144	$	5,458
Charge Offs		(541)		(1,632)		(181)		(24)		(59)		(2,437)
Recoveries		7		-		-		-		24		31
Provision Expense		1,074		977		228		100		71		2,450
Ending balance,      December 31, 2012	$	1,797	$	3,183	$	119	$	223	$	180	$	5,502
Ending balance individually   evaluated for impairment	$	-	$	9		-		-		-	$	9
Ending balance collectively   evaluated for impairment	$	1,797	$	3,174	$	119	$	223	$	180	$	5,493

(In thousands)		Residential Real Estate		Commercial Real Estate		Construction		Commercial		Consumer		Total
Beginning balance, December 31, 2010	$	1,167	$	3,976	$	110	$	171	$	192	$	5,616
Charge Offs		(482)		(1,253)		-		(2)		(109)		(1,846)
Recoveries		44		7		-		5		57		113
Provision Expense		528		1,108		(38)		(27)		4		1,575
Ending balance,      December 31, 2011	$	1,257	$	3,838	$	72	$	147	$	144	$	5,458
Ending balance individually   evaluated for impairment	$	-	$	1,231		-		-		-	$	1,231
Ending balance collectively   evaluated for impairment	$	1,257	$	2,607	$	72	$	147	$	144	$	4,227

Impaired Loans and Related Interest Income by Loan Portfolio Class [Table Text Block]

The following table shows the amount of loans in each category that were individually and collectively evaluated for impairment at the dates indicated:

		Real Estate Loans
		Residential		Commercial		Construction		Commercial Loans		Consumer Loans		Total
December 31, 2012						(In thousands)
Individually     evaluated for     impairment	$	-	$	10,246	$	-	$	310	$	-	$	10,556
Loans acquired with deteriorated credit quality		270		799				-				1,069
Collectively     evaluated for     impairment		149,773		263,439		13,435		24,803		14,154		465,604
Total Loans	$	150,043	$	274,484	$	13,435	$	25,113	$	14,154	$	477,229
		Real Estate Loans
		Residential		Commercial		Construction		Commercial Loans		Consumer Loans		Total
December 31,       2011						(In thousands)
Individually     evaluated for     impairment	$	-	$	11,786	$	-	$	598	$	-	$	12,384
Loans acquired with deteriorated credit quality		343		903				-				1,246
Collectively     evaluated for     impairment		147,805		249,787		11,087		22,086		13,934		444,699
Total Loans	$	148,148	$	262,476	$	11,087	$	22,684	$	13,934	$	458,329

The following table includes the recorded investment and unpaid principal balances for impaired loans with the associated allowance amount, if applicable.

		Recorded Investment		Unpaid Principal Balance		Associated Allowance
December 31, 2012 With no related allowance recorded:					(In thousands)
Real Estate Loans
Residential	$	270	$	286	$	-
Commercial		10,494		10,554		-
Commercial Loans		310		310		-
Subtotal		11,074		11,150		-
With an allowance recorded:
Real Estate Loans
Commercial		551		551		9
Subtotal		551		551		9
Total:
Real Estate Loans
Residential		270		286		-
Commercial		11,045		11,105		9
Commercial Loans		310		310		-
Total Impaired Loans	$	11,625	$	11,701	$	9

		Recorded Investment		Unpaid Principal Balance		Associated Allowance
December 31, 2011 With no related allowance recorded:				(In thousands)
Real Estate Loans
Residential	$	343	$	385	$	-
Commercial		5,866		5,994		-
Commercial Loans		598		598		-
Subtotal		6,807		6,978		-
With an allowance recorded:
Real Estate Loans
Commercial		6,823		6,823		1,231
Subtotal		6,823		6,823		1,231
Total:
Real Estate Loans
Residential		343		385		-
Commercial		12,689		12,818		1,231
Commercial Loans		598		598		-
Total Impaired Loans	$	13,630	$	13,801	$	1,231

The following information for impaired loans is presented for the year ended December 31, 2012 and 2011:

		Average Recorded Investment					Interest Income Recognized
		2012		2011			2012		2011
					(In thousands)
Total:
Real Estate loans
Residential	$	281	$	245		$	5	$	7
Commercial		12,108		15,042			226		544
Commercial Loans		340		496			2		10
Total Loans	$	12,729	$	15,783		$	233	$	561

Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating [Table Text Block]

		Pass		Special Mention		Substandard		Doubtful		Loss		Total
December 31, 2012
Commercial real estate loans	$	251,484	$	11,245	$	11,755	$	-	$	-	$	274,484
Commercial loans		24,427		318		368		-		-		25,113
Total	$	275,911	$	11,563	$	12,123	$	-	$	-	$	299,597

Loan Portfolio Summarized by the Past Due Status [Table Text Block]

		Current		31-60 Days Past Due		61-90 Days Past Due		Greater than 90 Days Past Due and still accruing		Non-Accrual		Total Past Due and Non-Accrual		Total Loans
December 31, 2012
Real Estate loans
Residential	$	146,847	$	94	$	256	$	-	$	2,846	$	3,196	$	150,043
Commercial		261,527		2,333		598		-		10,026		12,957		274,484
Construction		13,363		72		-		-		-		72		13,435
Commercial  loans		24,785		-		-		-		328		328		25,113
Consumer  loans		14,029		114		11		-		-		125		14,154
Total	$	460,551	$	2,613	$	865	$	-	$	13,200	$	16,678	$	477,229
		Current		31-60 Days Past Due		61-90 Days Past Due		Greater than 90 Days Past Due and still accruing		Non-Accrual		Total Past Due and Non-Accrual		Total Loans
December 31, 2011
Real Estate loans
Residential	$	143,550	$	160	$	1,351	$	-	$	3,087	$	4,598	$	148,148
Commercial		255,613		1,015		1,524		-		4,324		6,863		262,476
Construction		10,532		-		555		-		-		555		11,087
Commercial  loans		22,086		194		-		-		404		598		22,684
Consumer  loans		13,835		89		10		-		-		99		13,934
Total	$	445,616	$	1,458	$	3,440	$	-	$	7,815	$	12,713	$	458,329