Income Taxes (Tables)

12 Months Ended

Dec. 31, 2012

Income Taxes [Abstract]

Components Of Income Tax Expense

(Dollars in thousands)		2012		2011
Current:
Federal	$	(22)	$	744
State		22		271
		-		1,015
Deferred:
Federal		(375)		(269)
State		46		(109)
		(329)		(378)
	$	(329)	$	637

Schedule Of Effective Income Tax Rate Reconciliation

(Dollars in thousands)	2012				2011
Federal income tax at statutory rate	$	138	34	%	$	1,056	34	%
Tax exempt interest		(398)	(98)			(399)	(13)
State income tax, net of federal income tax effect		45	11			106	4
Bank owned life insurance		(134)	(33)			(142)	(5)
Other		20	5			16	1
	$	(329)	(81)	%	$	637	21	%

Components Of Net Deferred Tax Asset

(Dollars in thousands)	2012		2011
Deferred tax assets:
Allowance for loan losses	$	1,987	$	2,880
Deferred compensation		584		504
Foreclosed real estate		565		89
AMT credit		532		-
Intangible assets		34		40
Restricted stock		142		77
Other-than-temporary impairment		96		96
Other		254		131
Total deferred tax assets		4,194		3,817
Deferred tax liabilities:
Depreciation		(260)		(209)
Prepaid expenses		(151)		(154)
Unrealized gain on securities, available for sale		(237)		(480)
Total deferred tax liabilities		(648)		(843)
Net deferred tax asset	$	3,546	$	2,974