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Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables)

3 Months Ended

Mar. 31, 2014

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables) [Line Items]

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

Activity in the Allowance for Loan Losses for the Three Months Ended March 31, 2014

Real Estate

Construction

Consumer

Real Estate

Commercial

Real Estate

Commercial

Non Real

Estate

Public

Sector and

IDA

Consumer Non

Real Estate

Unallocated

Total

Balance, December 31, 2013

$

863

$

1,697

$

3,685

$

989

$

132

$

576

$

285

$

8,227

Charge-offs

(2

)

(54

)

(52

)

---

---

(83

)

---

(191

)

Recoveries

---

---

8

131

---

19

---

158

Provision for loan losses

(11

)

171

53

(259

)

70

17

62

103

Balance, March 31, 2014

$

850

$

1,814

$

3,694

$

861

$

202

$

529

$

347

$

8,297

		Activity in the Allowance for Loan Losses for the Three Months Ended March 31, 2013
		Real Estate Construction				Consumer Real Estate				Commercial Real Estate				Commercial Non Real Estate				Public Sector and IDA				Consumer Non Real Estate				Unallocated				Total
Balance, December 31, 2012		$	1,070			$	2,263			$	3,442			$	959			$	142			$	424			$	49			$	8,349
Charge-offs			(184	)			(53	)			(35	)			(404	)			---				(78	)			---				(754	)
Recoveries			---				---				---				16				---				9				---				25
Provision for loan losses			287				(364	)			(118	)			705				(32	)			230				(37	)			671
Balance, March 31, 2013		$	1,173			$	1,846			$	3,289			$	1,276			$	110			$	585			$	12			$	8,291

Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]

		Allowance for Loan Losses as of March 31, 2014
		Real Estate Construction				Consumer Real Estate				Commercial Real Estate				Commercial Non Real Estate				Public Sector and IDA				Consumer Non Real Estate				Unallocated				Total
Individually evaluated for impairment		$	---			$	9			$	266			$	5			$	---			$	---			$	---			$	280
Collectively evaluated for impairment			850				1,805				3,428				856				202				529				347				8,017
Total		$	850			$	1,814			$	3,694			$	861			$	202			$	529			$	347			$	8,297

		Allowance for Loan Losses as of December 31, 2013
		Real Estate Construction				Consumer Real Estate				Commercial Real Estate				Commercial Non Real Estate				Public Sector and IDA				Consumer Non Real Estate				Unallocated				Total
Individually evaluated for impairment		$	---			$	10			$	610			$	4			$	---			$	---			$	---			$	624
Collectively evaluated for impairment			863				1,687				3,075				985				132				576				285				7,603
Total		$	863			$	1,697			$	3,685			$	989			$	132			$	576			$	285			$	8,227

Loans as of March 31, 2014

Real Estate

Construction

Consumer

Real Estate

Commercial

Real Estate

Commercial

Non Real

Estate

Public

Sector and

IDA

Consumer Non

Real Estate

Unallocated

Total

Individually evaluated for impairment

$

---

$

730

$

11,754

$

94

$

---

$

24

$

---

$

12,602

Collectively evaluated for impairment

42,307

145,623

296,802

31,922

33,706

26,984

---

577,344

Total loans

$

42,307

$

146,353

$

308,556

$

32,016

$

33,706

$

27,008

$

---

$

589,946

		Loans as of December 31, 2013
		Real Estate Construction				Consumer Real Estate				Commercial Real Estate				Commercial Non Real Estate				Public Sector and IDA				Consumer Non Real Estate				Unallocated				Total
Individually evaluated for impairment		$	---			$	780			$	12,079			$	102			$	---			$	24			$	---			$	12,985
Collectively evaluated for impairment			45,925				144,719				299,187				31,160				34,220				28,399				---				583,610
Total		$	45,925			$	145,499			$	311,266			$	31,262			$	34,220			$	28,423			$	---			$	596,595

Schedule of ratios for allowance for loan losses [Table Text Block]

		Three Months Ended March 31,								Year Ended December 31,
		2014				2013				2013
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees			1.41	%			1.44	%			1.38	%
Ratio of net charge-offs to average loans, net of unearned income and deferred fees⁽¹⁾			0.02	%			0.50	%			0.28	%

Schedule of nonperforming assets [Table Text Block]

		March 31,								December 31,
		2014				2013				2013
Nonperforming assets:
Nonaccrual loans		$	5,071			$	10,734			$	5,732
Restructured loans in nonaccrual			1,007				1,691				852
Total nonperforming loans			6,078				12,425				6,584
Other real estate owned, net			4,901				1,094				4,712
Total nonperforming assets		$	10,979			$	13,519			$	11,296
Ratio of nonperforming assets to loans, net of unearned income and deferred fees, plus other real estate owned			1.85	%			2.35	%			1.88	%
Ratio of allowance for loan losses to nonperforming loans⁽¹⁾			136.51	%			66.73	%			124.95	%

Summary of past due 90 days loans or more and impaired loans [Table Text Block]

		March 31,								December 31,
		2014				2013				2013
Loans past due 90 days or more and still accruing		$	163			$	568			$	190
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees			0.03	%			0.10	%			0.03	%
Accruing restructured loans		$	6,145			$	5,732			$	6,191
Impaired loans:
Impaired loans with no valuation allowance		$	10,139			$	16,263			$	10,372
Impaired loans with a valuation allowance			2,463				995				2,613
Total impaired loans		$	12,602			$	17,258			$	12,985
Valuation allowance			(280	)			(273	)			(624	)
Impaired loans, net of allowance		$	12,322			$	16,985			$	12,361
Average recorded investment in impaired loans⁽¹⁾		$	13,075			$	17,935			$	16,654
Interest income recognized on impaired loans, after designation as impaired		$	99			$	10			$	267
Amount of income recognized on a cash basis		$	---			$	---			$	---

Impaired Financing Receivables [Table Text Block]

Impaired Loans as of March 31, 2014

Principal Blance

(A)
Total Recorded Investment⁽¹⁾

Recorded Investment(1) in (A) for Which There is No Related Allowance

Recorded Investment(1) in (A) for Which There is a Related Allowance

Related Allowance

Consumer Real Estate⁽²⁾

Residential closed-end first liens

$

399

$

401

$

171

$

230

$

3

Residential closed-end junior liens

253

253

---

253

6

Investor-owned residential real estate

78

78

---

78

---

Commercial Real Estate⁽²⁾

Multifamily real estate

3,271

3,268

3,268

---

---

Commercial real estate, owner-occupied

5,346

5,354

3,543

1,811

266

Commercial real estate, other

3,137

3,137

3,137

---

---

Commercial Non Real Estate⁽²⁾

Commercial and Industrial

94

94

---

94

5

Consumer Non Real Estate⁽²⁾

Automobile

24

24

24

---

---

Total

$

12,602

$

12,609

$

10,143

$

2,466

$

280

		Impaired Loans as of December 31, 2013
		Principal Blance				(A) Total Recorded Investment⁽¹⁾				Recorded Investment(1) in (A) for Which There is No Related Allowance				Recorded Investment(1) in (A) for Which There is a Related Allowance				Related Allowance
Consumer Real Estate⁽²⁾
Residential closed-end first liens		$	440			$	442			$	232			$	210			$	3
Residential closed-end junior liens			259				261				---				261				7
Investor-owned residential real estate			81				82				82				---				---

Commercial Real Estate⁽²⁾
Multifamily real estate			3,278				3,274				3,274				---				---
Commercial real estate, owner occupied			5,643				5,645				3,864				1,781				610
Commercial real estate, other			3,158				3,158				3,158				---				---

Commercial Non Real Estate⁽²⁾
Commercial and Industrial			102				103				1				102				4

Consumer Non Real Estate⁽²⁾
Automobile			24				24				24				---				---
Total		$	12,985			$	12,989			$	10,635			$	2,354			$	624

Impaired Financing Receivable Average Investment and Interest Income [Table Text Block]

		For the Three Months Ended
		March 31, 2014
		Average Recorded Investment⁽¹⁾				Interest Income Recognized
Consumer Real Estate⁽²⁾
Residential closed-end first liens		$	561			$	4
Residential closed-end junior liens			257				5
Investor-owned residential real estate			79				1
Commercial Real Estate⁽²⁾
Multifamily real estate			3,386				---
Commercial real estate, owner occupied			5,515				44
Commercial real estate, other			3,150				44
Commercial Non Real Estate⁽²⁾
Commercial and Industrial			101				1
Consumer Non Real Estate⁽²⁾
Automobile			26				---
Total		$	13,075			$	99

		For the Year Ended December 31, 2013
		Average Recorded Investment⁽¹⁾				Interest Income Recognized
Real Estate Construction⁽²⁾
Construction, residential		$	40			$	---
Construction, other			2,885				---

Commercial Real Estate⁽²⁾
Residential closed-end first liens			364				3
Residential closed-end junior liens			280				9
Investor-owned residential real estate			131				6

Commercial Real Estate⁽²⁾
Multifamily real estate			4,172				---
Commercial real estate, owner occupied			5,265				136
Commercial real estate, other			3,369				110

Commercial Non Real Estate⁽²⁾
Commercial and Industrial			117				3

Consumer Non Real Estate⁽²⁾
Automobile			31				---
Total		$	16,654			$	267

Past Due Financing Receivables [Table Text Block]

30 – 89 Days Past Due

90 or More Days Past Due

90 or More

Days Past Due

and Still

Accruing

Nonaccruals

(Including

Impaired

Nonaccruals)

Real Estate Construction

Construction, residential

$

163

$

---

$

---

$

---

Construction, other

14

---

---

---

Consumer Real Estate

Equity lines

---

---

---

---

Residential closed-end first liens

1,025

270

148

267

Residential closed-end junior liens

58

---

---

---

Investor-owned residential real estate

334

---

---

17

Commercial Real Estate

Multifamily real estate

728

3,271

---

3,271

Commercial real estate, owner-occupied

128

1,477

---

2,378

Commercial real estate, other

---

---

---

---

Commercial Non Real Estate

Commercial and Industrial

202

43

---

121

Public Sector and IDA

Public sector and IDA

---

---

---

---

Consumer Non Real Estate

Credit cards

2

3

3

---

Automobile

78

36

12

24

Other consumer loans

25

---

---

---

Total

$

2,757

$

5,100

$

163

$

6,078

December 31, 2013
		30 – 89 Days Past Due				90 or More Days Past Due				90 or More Days Past Due and Still Accruing				Nonaccruals (Including Impaired Nonaccruals)
Real Estate Construction
Construction, residential		$	45			$	---			$	---			$	---
Construction, other			45				---				---				---

Consumer Real Estate
Equity lines			---				---				---				---
Residential closed-end first liens			903				252				128				308
Residential closed-end junior liens			10				---				---				---
Investor-owned residential real estate			422				91				---				91

Commercial Real Estate
Multifamily real estate			430				3,278				---				3,278
Commercial real estate, owner occupied			604				2,519				---				2,756
Commercial real estate, other			32				---				---				---

Commercial Non Real Estate
Commercial and Industrial			196				43				---				128

Public Sector and IDA
Public sector and IDA			---				---				---				---

Consumer Non Real Estate
Credit cards			3				13				13				---
Automobile			217				26				2				23
Other consumer loans			49				46				47				---
Total		$	2,956			$	6,268			$	190			$	6,584

Financing Receivable Credit Quality Indicators [Table Text Block]

Pass

Special

Mention

Classified

(Excluding

Impaired)

Real Estate Construction

Construction, 1-4 family residential

$

14,910

$

163

$

---

Construction, other

27,191

29

14

Consumer Real Estate

Equity lines

15,935

---

15

Closed-end first liens

80,765

658

1,343

Closed-end junior liens

5,279

55

2

Investor-owned residential real estate

41,089

103

379

Commercial Real Estate

Multifamily residential real estate

67,175

---

728

Commercial real estate owner-occupied

131,259

2,175

754

Commercial real estate, other

90,473

1,201

3,037

Commercial Non Real Estate

Commercial and Industrial

30,748

881

293

Public Sector and IDA

States and political subdivisions

33,706

---

---

Consumer Non Real Estate

Credit cards

5,141

---

---

Automobile

11,781

110

22

Other consumer

9,911

12

7

Total

$

565,363

$

5,387

$

6,594

		Pass				Special Mention (Excluding Impaired)				Classified (Excluding Impaired)
Real Estate Construction
Construction, 1-4 family residential		$	17,702			$	163			$	45
Construction, other			27,971				29				15

Consumer Real Estate
Equity lines			16,146				16				---
Closed-end first liens			82,767				1,007				1,275
Closed-end junior liens			4,813				109				3
Investor-owned residential real estate			38,071				105				407

Commercial Real Estate
Multifamily residential real estate			67,573				---				958
Commercial real estate owner-occupied			134,137				2,206				701
Commercial real estate, other			89,340				1,209				3,063

Commercial Non Real Estate
Commercial and Industrial			29,987				878				295

Public Sector and IDA
States and political subdivisions			24,220				---				---

Consumer Non Real Estate
Credit cards			6,354				---				---
Automobile			11,428				253				34
Other consumer			10,253				17				60
Total		$	570,762			$	5,992			$	6,856

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

Restructurings That Occurred During the Three Months

Ended March 31, 2014

Number of

Contracts

Pre-Modification

Outstanding

Principal Balance

Post-

Modification

Outstanding

Principal Balance

Commercial Real Estate

Commercial real estate, owner occupied

1

$

184

$

209

Total

1

$

184

$

209

		Restructurings That Occurred During the Three Months Ended March 31, 2013
		Number of Contracts				Pre-Modification Outstanding Principal Balance				Post-Modification Outstanding Principal Balance
Real Estate Construction
Construction, other			1			$	3,500			$	3,500
Commercial Real Estate
Commercial real estate, owner occupied			1				154				239
Total			2			$	3,654			$	3,739

Subsequent Default [Member]

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

		Restructured Loans That Defaulted During the Three Months Ended March 31, 2013 That Were Modified Within 12 Months Prior to Default
		Number of Contracts				Principal Balance
Consumer Real Estate
Residential closed-end first liens			1			$	101
Residential closed-end junior liens			1				88
Commercial Real Estate
Commercial real estate owner-occupied			1				663
Commercial Non Real Estate
Commercial and industrial			1				219
Total			4			$	1,071