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LOANS
 12 Months Ended
Dec. 31, 2012
LOANS [Abstract]  
LOANS
NOTE 4 - LOANS

The following table shows total loans outstanding at December 31, 2012 and 2011 and the percentage change in balances from the prior year. All loans are domestic and contain no significant concentrations by industry or client.


Thousands of dollars
 
2012
  
% Change
  
2011
  
% Change
 
 Personal
 
$
111,170
   
7.5
%
 
$
103,405
   
-3.7
%
 Business, including commercial mortgages
  
336,772
   
0.5
%
  
335,133
   
-5.4
%
 Tax exempt
  
1,554
   
-24.0
%
  
2,045
   
-5.7
%
 Residential mortgage
  
96,452
   
16.1
%
  
83,072
   
-3.4
%
 Construction and development
  
40,634
   
2.3
%
  
39,721
   
-4.4
%
 Deferred loan fees and costs
  
96
   
-70.6
%
  
326
   
-36.9
%
 Total portfolio loans
 
$
586,678
   
4.1
%
 
$
563,702
   
-4.8
%