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Loans and Allowance for Loan Losses (Tables)
 12 Months Ended
Dec. 31, 2012
Receivables [Abstract]  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

At December 31, 2012 and 2011, the Bank's loans consist of the following (in thousands):

 

  2012  2011 
Commercial real estate-mortgage:        
Owner-occupied $58,425  $62,999 
All other  66,747   63,058 
Consumer real estate-mortgage  71,195   70,543 
Construction and land development  38,557   31,031 
Commercial and industrial  40,140   37,458 
Consumer and other  1,927   2,676 
         
Total loans  276,991   267,765 
Less: Allowance for loan losses  (6,141)  (7,400)
         
Loans, net $270,850  $260,365 
Allowance for Credit Losses on Financing Receivables [Table Text Block]

  2012  2011  2010 
          
An analysis of the allowance for loan losses follows:            
             
Balance, beginning of year $7,400,049  $9,132,171  $5,905,054 
             
Provision for loan losses  430,000   445,000   7,291,000 
Charge-offs  (2,868,576)  (3,148,314)  (4,688,054)
Recoveries  1,179,808   971,192   624,171 
             
Balance, end of year $6,141,281  $7,400,049  $9,132,171
Schedule Of Impaired and Performing Loans Receivable [Table Text Block]

The composition of loans by loan classification for impaired and performing loans at December 31, 2012 and 2011, is summarized in the tables below (in thousands):

 

As of December 31, 2012:

 

  Commercial  Consumer  Construction  Commercial       
  Real Estate-  Real Estate-  and Land  and  Consumer    
  Mortgage  Mortgage  Development  Industrial  and Other      Total     
                   
Performing loans $115,959  $69,329  $37,607  $36,980  $1,927  $261,802 
Impaired loans  9,213   1,866   950   3,160          -   15,189 
                         
Total $125,172  $71,195  $38,557  $40,140  $1,927  $276,991 

 

As of December 31, 2011:

 

   Commercial   Consumer   Construction   Commercial         
   Real Estate-   Real Estate-   and Land   and   Consumer     
     Mortgage       Mortgage     Development     Industrial      and Other        Total     
                         
Performing loans $112,064  $64,026  $29,323  $34,259  $2,676  $242,348 
Impaired loans  13,993   6,517   1,708   3,199       -   25,417 
                         
Total $126,057  $70,543  $31,031  $37,458  $2,676  $267,765 
Schedule Of Allowance For Loan Losses For Impaired and Performing Loans Receivable [Table Text Block]

The following tables show the allowance for loan losses allocation by loan classification for impaired and performing loans as of December 31, 2012 and 2011 (in thousands):

 

As of December 31, 2012:

 

  Commercial  Consumer  Construction  Commercial       
  Real Estate-  Real Estate-  and Land  and  Consumer    
  Mortgage  Mortgage  Development  Industrial  and Other    Total   
Allowance related to:                        
Performing loans $319  $952  $781  $29  $14  $2,095 
Impaired loans  2,230   576   460   780   -   4,046 
                         
Total $2,549  $1,528  $1,241  $809  $14  $6,141 

 

As of December 31, 2011:

 

  Commercial  Consumer  Construction  Commercial       
  Real Estate-  Real Estate-  and Land  and  Consumer    
  Mortgage  Mortgage  Development  Industrial  and Other    Total   
                   
Allowance related to:                        
Performing loans $952  $1,264  $174  $18  $16  $2,424 
Impaired loans  2,605   1,254   653   464   -   4,976 
                         
Total $3,557  $2,518  $827  $482  $16  $7,400 
Schedule Of Financing Receivable Allowance For Credit Losses [Table Text Block]

The following tables detail the changes in the allowance for loan losses during December 31, 2012 and 2011, by loan classification (in thousands):

 

As of December 31, 2012:

 

  Commercial  Consumer  Construction  Commercial       
  Real Estate-  Real Estate-  and Land  and  Consumer    
  Mortgage  Mortgage  Development  Industrial  and Other  Total 
                   
Balance, beginning of year $3,557  $2,518  $827  $482  $16  $7,400 
Provision for loan losses  (888)  (4)  1,051   257   14   430 
Charge-offs  (958)  (1,022)  (782)  (74)  (33)  (2,869)
Recoveries  838   36   145   144   17   1,180 
                         
Balance, end of year $2,549  $1,528  $1,241  $809  $14  $6,141 

 

As of December 31, 2011:

 

  Commercial  Consumer  Construction  Commercial       
  Real Estate-  Real Estate-  and Land  and  Consumer    
  Mortgage  Mortgage  Development  Industrial  and Other  Total 
                   
Balance, beginning of year $1,793  $3,111  $3,238  $925  $65  $9,132 
Provision for loan losses  2,743   955   (2,711)  (501)  (41)  445 
Charge-offs  (1,238)  (1,613)  (232)  (36)  (29)  (3,148)
Recoveries  259   65   532   94   21   971 
                         
Balance, end of year $3,557  $2,518  $827  $482  $16  $7,400
Financing Receivable Credit Quality Indicators [Table Text Block]

The following tables outline the amount of each loan classification and the amount categorized into each risk rating as of December 31, 2012 and 2011 (in thousands):

 

As of December 31, 2012:

 

  Commercial  Consumer  Construction  Commercial       
  Real Estate-  Real Estate-  and Land  and  Consumer    
  Mortgage  Mortgage  Development  Industrial  and Other  Total 
                   
Pass $111,313  $57,959  $36,802  $36,482  $1,904  $244,460 
Special mention  4,145   8,401   198   330   18   13,092 
Substandard  501   2,969   607   168   5   4,250 
Substandard-impaired  9,213   1,866   950   3,160   -   15,189 
  $125,172  $71,195  $38,557  $40,140  $1,927  $276,991 

 

As of December 31, 2011:

 

  Commercial  Consumer  Construction  Commercial       
  Real Estate-  Real Estate-  and Land  and  Consumer    
  Mortgage  Mortgage  Development  Industrial  and Other  Total 
                   
Pass $101,161  $55,160  $27,207  $31,426  $2,648  $217,602 
Special mention  9,805   5,122   804   2,620   7   18,358 
Substandard  1,098   3,744   1,312   213   21   6,388 
Substandard-impaired  11,493   6,517   1,708   3,199   -   22,917 
Doubtful  2,500   -   -   -   -   2,500 
                         
  $126,057  $70,543  $31,031  $37,458  $2,676  $267,765
Impaired Financing Receivables [Table Text Block]

The following tables present summary information pertaining to impaired loans by loan classification as of December 31, 2012 and 2011 (in thousands):

 

           For the Year Ended 
  At December 31, 2012  December 31, 2012 
     Unpaid     Average  Interest 
  Recorded  Principal  Related  Recorded  Income 
  Investment  Balance  Allowance  Investment  Recognized 
                
Impaired loans without a valuation allowance:                    
Commercial real estate – mortgage $3,406  $3,453  $-  $4,389  $180 
Consumer real estate – mortgage  513   540   -   1,538   52 
Construction and land development  244   251   -   358   19 
Commercial and industrial  2,111   2,155   -   2,277   55 
Consumer and other  -   -   -   -   - 
                     
Total  6,274   6,399   -   8,562   306 
                     
Impaired loans with a valuation allowance:                    
Commercial real estate – mortgage  5,807   5,848   2,230   6,616   215 
Consumer real estate – mortgage  1,353   1,353   576   2,606   61 
Construction and land development  706   706   460   642   49 
Commercial and industrial  1,049   1,049   780   700   132 
Consumer and other  -   -   -   -   - 
                     
Total  8,915   8,956   4,046   10,564   457 
                     
Total impaired loans $15,189  $15,355  $4,046  $19,126  $763 

 

           For the Year Ended 
  At December 31, 2011  December 31, 2011 
     Unpaid     Average  Interest 
  Recorded  Principal  Related  Recorded  Income 
  Investment  Balance  Allowance  Investment  Recognized 
                
Impaired loans without a valuation allowance:                    
Commercial real estate – mortgage $4,354  $4,354  $-  $5,378  $330 
Consumer real estate – mortgage  322   322   -   3,589   21 
Construction and land development  829   1,023   -   1,099   59 
Commercial and industrial  2,691   2,691   -   1,207   165 
Consumer and other  -   -   -   -   - 
                     
Total  8,196   8,390   -   11,273   575 
                     
Impaired loans with a valuation allowance:                    
Commercial real estate – mortgage  9,639   9,694   2,605   5,912   645 
Consumer real estate – mortgage  6,195   6,257   1,254   5,333   294 
Construction and land development  879   879   653   294   62 
Commercial and industrial  508   508   464   784   65 
Consumer and other  -   -   -   -   - 
                     
Total  17,221   17,338   4,976   12,323   1,066 
                     
Total impaired loans $25,417  $25,728  $4,976  $23,596  $1,641
Past Due Financing Receivables [Table Text Block]

The following tables present an aged analysis of past due loans as of December 31, 2012 and 2011 (in thousands):

 

As of December 31, 2012:

 

  30-89 Days  Past Due 90             
  Past Due and  Days or More     Total  Current  Total 
  Accruing  and Accruing  Nonaccrual  Past Due  Loans  Loans 
Commercial real estate-mortgage:                        
Owner-occupied $2,738  $-  $956  $3,694  $54,731  $58,425 
All other  636   -   1,913   2,549   64,198   66,747 
Consumer real estate-mortgage  1,858   -   616   2,474   68,721   71,195 
Construction and land development  100   -   53   153   38,404   38,557 
Commercial and industrial  1,227   -   2,467   3,694   36,446   40,140 
Consumer and other  35   -   -   35   1,892   1,927 
                         
Total $6,594  $-  $6,005  $12,599  $264,392  $276,991 

 

As of December 31, 2011:

 

  30-89 Days  Past Due 90             
  Past Due and  Days or More     Total  Current  Total 
  Accruing  and Accruing  Nonaccrual  Past Due  Loans  Loans 
                   
Commercial real estate-mortgage:                        
Owner-occupied $4,791  $-  $63  $4,854  $58,145  $62,999 
All other  497   -   2,500   2,997   60,061   63,058 
Consumer real estate-mortgage  1,163   -   3,641   4,804   65,739   70,543 
Construction and land development  103   -   1,622   1,725   29,306   31,031 
Commercial and industrial  1,578   -   42   1,620   35,838   37,458 
Consumer and other  26   -   14   40   2,636   2,676 
                         
Total $8,158  $-  $7,882  $16,040  $251,725  $267,765
Troubled Debt Restructurings on Financing Receivables [Table Text Block]

The following tables present a summary of loans that were modified as troubled debt restructurings during the years ended December 31, 2012 and 2011 (amounts in thousands):

 

During the year ended December 31, 2012:

 

   Pre-Modification  Post-Modification 
  Number of Outstanding Recorded  Outstanding Recorded 
  Contracts Investment  Investment 
         
Commercial real estate-mortgage 5 $5,971  $5,971 
Consumer real estate-mortgage 1  65   65 
Construction and land development 3  1,178   1,178 
Commercial and industrial 5  2,432   2,432 

 

During the year ended December 31, 2011:

 

    Pre-Modification  Post-Modification 
  Number of Outstanding Recorded  Outstanding Recorded 
  Contracts Investment  Investment 
         
Consumer real estate-mortgage 5 $3,573  $3,573 
Construction and land development 2  778   778 
Commercial and industrial 1  20   20
Schedule Of Financing Receivable On Subsequent Default Troubled Debt Restructurings [Table Text Block]
The following table presents a summary of loans that were modified as troubled debt restructurings during the year ended December 31, 2011, and for which there was a subsequent payment default during the year (amounts in thousands):

 

   Number of   Recorded 
   Contracts   Investment 
         
Consumer real estate-mortgage  2  $90 
Schedule Of Loan To Directors Officers and Affiliated Parties [Table Text Block]

Annual activity of these related party loans were as follows:

 

  2012  2011 
       
Beginning balance $1,514,908  $666,336 
         
New loans  436,051   1,957,088 
Repayments  (116,977)  (1,108,516)
         
Ending balance $1,833,982  $1,514,908