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]

Loans consist of the following:

	As of December 31,
(Dollars in thousands)	2012			2011
One-to-four family residential real estate	$	88,454		$	79,108
Construction and land		23,435			21,672
Commercial real estate		88,790			93,786
Commercial loans		64,570			57,006
Agriculture loans		31,935			39,052
Municipal loans		9,857			10,366
Consumer loans		13,417			13,584
Total gross loans		320,458			314,574
Net deferred loan costs and loans in process		37			214
Allowance for loan losses		(4,581	)		(4,707	)
Loans, net	$	315,914		$	310,081

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

The following tables provide information on the Company’s allowance for loan losses by loan class and allowance methodology:

(Dollars in thousands)
	Year ended December 31, 2012
	One-to-four family residential real estate			Construction and land			Commercial real estate			Commercial loans			Agriculture loans			Municipal loans			Consumer loans			Total
Allowance for loan losses:
Balance at December 31, 2011	$	560		$	928		$	1,791		$	745		$	433		$	130		$	120		$	4,707
Charge-offs		(70	)		(1,749	)		-			(70	)		-			-			(238	)		(2,127	)
Recoveries		20			4			-			12			39			-			26			101
Net charge-offs		(50	)		(1,745	)		-			(58	)		39			-			(212	)		(2,026	)
Provsion for loan losses		204			2,031			(478	)		20			(105	)		(23	)		251			1,900
Balance at December 31, 2012		714			1,214			1,313			707			367			107			159			4,581
Allowance for loan losses:
Individually evaluated for loss		165			388			-			268			-			65			15			901
Collectively evaluated for loss		549			826			1,313			439			367			42			144			3,680
Total		714			1,214			1,313			707			367			107			159			4,581
Loan balances:
Individually evaluated for loss		739			8,691			2,833			1,475			5			772			18			14,533
Collectively evaluated for loss		87,715			14,744			85,957			63,095			31,930			9,085			13,399			305,925
Total	$	88,454		$	23,435		$	88,790		$	64,570		$	31,935		$	9,857		$	13,417		$	320,458

	Year ended December 31, 2011
	One-to-four family residential real estate			Construction and land			Commercial real estate			Commercial loans			Agriculture loans			Municipal loans		Consumer loans			Total
Allowance for loan losses:
Balance at December 31, 2010	$	395		$	1,193		$	1,571		$	1,173		$	397		$	99	$	139		$	4,967
Charge-offs		(110	)		(1,173	)		(434	)		(590	)		(1	)		-		(132	)		(2,440	)
Recoveries		41			4			37			14			35			-		49			180
Net charge-offs		(69	)		(1,169	)		(397	)		(576	)		34			-		(83	)		(2,260	)
Provsion for loan losses		234			904			617			148			2			31		64			2,000
Balance at December 31, 2011		560			928			1,791			745			433			130		120			4,707
Allowance for loan losses:
Individually evaluated for loss		65			8			-			35			-			65		32			205
Collectively evaluated for loss		495			920			1,791			710			433			65		88			4,502
Total		560			928			1,791			745			433			130		120			4,707
Loan balances:
Individually evaluated for loss		1,280			225			17			78			63			784		43			2,490
Collectively evaluated for loss		77,828			21,447			93,769			56,928			38,989			9,582		13,541			312,084
Total	$	79,108		$	21,672		$	93,786		$	57,006		$	39,052		$	10,366	$	13,584		$	314,574

	Year ended December 31, 2010
	One-to-four family residential real estate			Construction and land			Commercial real estate			Commercial loans			Agriculture loans			Municipal loans		Consumer loans			Total
Allowance for loan losses:
Balance at December 31, 2009	$	625		$	1,326		$	705		$	623		$	2,103		$	-	$	86		$	5,468
Charge-offs		(387	)		(3,474	)		(96	)		(8	)		(2,327	)		-		(178	)		(6,470	)
Recoveries		10			-			-			17			10			-		32			69
Net charge-offs		(377	)		(3,474	)		(96	)		9			(2,317	)		-		(146	)		(6,401	)
Provsion for loan losses		147			3,341			962			541			611			99		199			5,900
Balance at December 31, 2010		395			1,193			1,571			1,173			397			99		139			4,967
Allowance for loan losses:
Individually evaluated for loss		99			382			397			503			-			65		-			1,446
Collectively evaluated for loss		296			811			1,174			670			397			34		139			3,521
Total		395			1,193			1,571			1,173			397			99		139			4,967
Loan balances:
Individually evaluated for loss		1,054			1,229			1,390			733			65			759		118			5,348
Collectively evaluated for loss		78,577			22,423			90,734			56,553			38,771			4,634		14,267			305,959
Total	$	79,631		$	23,652		$	92,124		$	57,286		$	38,836		$	5,393	$	14,385		$	311,307

Past Due Financing Receivables [Table Text Block]

The following tables present information on the Company’s past due and non-accrual loans by loan class:

(Dollars in thousands)
	As of December 31, 2012
	30-59 days delinquent and accruing			60-89 days delinquent and  accruing			90 days or more delinquent and accruing			Total past due loans accruing			Non-accrual loans			Total
One-to-four family residential real estate	$	282		$	1,362		$	-		$	1,644		$	731		$	2,375
Construction and land		18			-			-			18			3,915			3,933
Commercial real estate		166			82			-			248			2,833			3,081
Commercial loans		62			17			-			79			1,475			1,554
Agriculture loans		-			-			-			-			5			5
Municipal loans		-			-			-			-			131			131
Consumer loans		142			65			-			207			18			225
Total	$	670		$	1,526		$	-		$	2,196		$	9,108		$	11,304
Percent of gross loans		0.21	%		0.48	%		0.00	%		0.69	%		2.84	%		3.53	%

	As of December 31, 2011
	30-59 days delinquent and accruing			60-89 days delinquent and accruing			90 days or more delinquent and accruing			Total past due loans accruing			Non-accrual loans			Total
One-to-four family residential real estate	$	368		$	1,174		$	-		$	1,542		$	752		$	2,294
Construction and land		21			-			-			21			225			246
Commercial real estate		64			211			-			275			17			292
Commercial loans		1			201			-			202			78			280
Agriculture loans		1			-			-			1			63			64
Municipal loans		-			-			-			-			241			241
Consumer loans		160			18			-			178			43			221
Total	$	615		$	1,604		$	-		$	2,219		$	1,419		$	3,638
Percent of gross loans		0.20	%		0.51	%		0.00	%		0.71	%		0.45	%		1.16	%

Impaired Financing Receivables [Table Text Block]

The following table presents information on impaired loans:

(Dollars in thousands)
	As of December 31, 2012
	Unpaid contractual principal		Impaired loan balance		Impaired loans without an allowance		Impaired loans with an allowance		Related allowance recorded		Year-to-date average loan balance		Year-to-date interest income recognized
One-to-four family residential real estate	$	1,029	$	739	$	57	$	682	$	165	$	767	$	19
Construction and land		10,425		8,691		6,334		2,357		388		9,211		302
Commercial real estate		2,833		2,833		2,833		-		-		3,352		-
Commercial loans		1,475		1,475		395		1,080		268		1,621		3
Agriculture loans		5		5		5		-		-		8		-
Municipal loans		772		772		641		131		65		779		20
Consumer loans		18		18		3		15		15		20		-
Total impaired loans	$	16,557	$	14,533	$	10,268	$	4,265	$	901	$	15,758	$	344

	As of December 31, 2011
	Unpaid contractual principal		Impaired loan balance		Impaired loans without an allowance		Impaired loans with an allowance		Related allowance recorded		Year-to-date average loan balance		Year-to-date interest income recognized
One-to-four family residential real estate	$	1,570	$	1,280	$	1,072	$	208	$	65	$	1,311	$	32
Construction and land		574		225		200		25		8		419		-
Commercial real estate		17		17		17		-		-		20		-
Commercial loans		78		78		-		78		35		83		-
Agriculture loans		63		63		63		-		-		65		-
Municipal loans		784		784		653		131		65		772		35
Consumer loans		43		43		10		33		32		49		-
Total impaired loans	$	3,129	$	2,490	$	2,015	$	475	$	205	$	2,719	$	67

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

The following table presents information on loans that are classified as TDRs:

(Dollars in thousands)
	As of December 31, 2012				As of December 31, 2011
	Number of loans		Loan balance		Number of loans		Loan balance
One-to-four family residential real estate		2	$	493		2	$	528
Construction and land		7		7,077		1		200
Commerical loans		2		196		-		-
Municipal loans		2		641		2		653
Total troubled debt restructurings		13	$	8,407		5	$	1,381

Schedule Of Loan To Directors Officers and Affiliated Parties [Table Text Block]

A summary of such loans is as follows:

(Dollars in thousands)
Balance at December 31, 2011	$	9,881
New loans		5,491
Repayments		(5,852	)
Balance at December 31, 2012	$	9,520