Citizens First (CZFC) 10-Q 13 Nov 13 2013 Q3 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	9 Months Ended
	Sep. 30, 2013	Oct. 31, 2013
Document and Entity Information	'	'
Entity Registrant Name	'CITIZENS FIRST CORP	'
Entity Central Index Key	'0001073475	'
Document Type	'10-Q	'
Document Period End Date	30-Sep-13	'
Amendment Flag	'false	'
Current Fiscal Year End Date	'--12-31	'
Entity Current Reporting Status	'Yes	'
Entity Filer Category	'Smaller Reporting Company	'
Entity Common Stock, Shares Outstanding	'	1,968,777
Document Fiscal Year Focus	'2013	'
Document Fiscal Period Focus	'Q3	'

Consolidated_Balance_Sheets

Consolidated Balance Sheets (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Assets	'	'
Cash and due from financial institutions	$9,167	$9,549
Federal funds sold	23,360	25,250
Cash and cash equivalents	32,527	34,799
Available-for-sale securities	50,441	46,639
Loans held for sale	115	61
Loans, net of allowance for loan losses of $4,820 and $5,721 at September 30, 2013 and December 31, 2012, respectively	296,556	293,033
Premises and equipment, net	11,172	11,568
Bank owned life insurance (BOLI)	7,756	7,587
Federal Home Loan Bank (FHLB) stock, at cost	2,025	2,025
Accrued interest receivable	1,648	1,660
Deferred income taxes	2,728	2,180
Goodwill	4,097	4,097
Core deposit intangible	744	997
Other real estate owned	547	191
Other assets	403	1,719
Total Assets	410,759	406,556
Deposits	'	'
Noninterest bearing	40,082	41,724
Savings, NOW and money market	121,129	111,195
Time	176,422	178,814
Total deposits	337,633	331,733
FHLB advances and other borrowings	28,000	26,000
Subordinated debentures	5,000	5,000
Accrued interest payable	270	238
Other liabilities	1,762	2,019
Total Liabilities	372,665	364,990
Stockholders' Equity	'	'
Common stock, no par value, authorized 5,000,000 shares; issued and outstanding 1,968,777 shares at September 30, 2013 and December 31, 2012, respectively	27,072	27,072
Retained earnings (deficit)	134	-430
Accumulated other comprehensive income (loss)	-30	746
Total stockholders' equity	38,094	41,566
Total liabilities and stockholders' equity	410,759	406,556
6.5% Cumulative preferred stock	'	'
Stockholders' Equity	'	'
Preferred stock	7,659	7,659
5.0% Series A cumulative preferred stock	'	'
Stockholders' Equity	'	'
Preferred stock	$3,259	$6,519

Consolidated_Balance_Sheets_Pa

Consolidated Balance Sheets (Parenthetical) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2013	Dec. 31, 2012
In Thousands, except Share data, unless otherwise specified			6.5% Cumulative preferred stock	6.5% Cumulative preferred stock	5.0% Series A cumulative preferred stock	5.0% Series A cumulative preferred stock
Loans, allowance for loan losses (in dollars)	$4,820	$5,721	'	'	'	'
Preferred stock, dividend rate (as a percent)	'	'	6.50%	6.50%	5.00%	5.00%
Preferred stock, authorized shares	'	'	250	250	250	250
Preferred stock, aggregate liquidation preference (in dollars)	'	'	$7,998	$7,998	$3,266	$6,567
Preferred stock, issued shares	'	'	250	250	93	187
Preferred stock, outstanding shares	'	'	250	250	93	187
Preferred stock no par value	'	'	'	'	'	'
Common stock, authorized shares	5,000,000	5,000,000	'	'	'	'
Common stock, issued shares	1,968,777	1,968,777	'	'	'	'
Common stock, outstanding shares	1,968,777	1,968,777	'	'	'	'
Common stock no par value	'	'	'	'	'	'

Consolidated_Statements_of_Inc

Consolidated Statements of Income (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Interest and dividend income	'	'	'	'
Loans	$4,076	$4,384	$12,223	$12,863
Taxable securities	106	100	302	414
Non-taxable securities	164	165	498	490
Federal funds sold and other	35	32	111	97
Total interest and dividend income	4,381	4,681	13,134	13,864
Interest expense	'	'	'	'
Deposits	606	685	1,859	2,246
FHLB advances and other	116	114	347	314
Subordinated debentures	25	27	73	81
Total interest expense	747	826	2,279	2,641
Net interest income	3,634	3,855	10,855	11,223
Provision for loan losses	900	300	2,200	1,120
Net interest income after provision for loan losses	2,734	3,555	8,655	10,103
Non-interest income	'	'	'	'
Service charges on deposit accounts	341	355	953	1,014
Other service charges and fees	156	138	452	400
Gain on sale of mortgage loans	81	64	241	219
Non-deposit brokerage fees	91	54	234	145
Lease income	74	68	223	203
BOLI income	53	66	170	198
Gain on sale of securities available-for-sale (includes $37 in 2013 and $55 in 2012 comprehensive income reclassifications for unrealized net gains on available-for-sale securities)	'	'	37	55
Total non-interest income	796	745	2,310	2,234
Non-interest expenses	'	'	'	'
Salaries and employee benefits	1,382	1,406	4,240	4,229
Net occupancy expense	499	489	1,425	1,427
Advertising and public relations	70	92	258	260
Professional fees	201	158	539	451
Data processing services	280	225	817	675
Franchise shares and deposit tax	146	141	428	407
FDIC insurance	150	83	261	228
Core deposit intangible amortization	84	88	253	265
Postage and office supplies	35	40	113	149
Other real estate owned expenses	7	5	38	156
Other	425	266	1,168	717
Total non-interest expenses	3,279	2,993	9,540	8,964
Income before income taxes	251	1,307	1,425	3,373
Income taxes (includes $13 and $19 in income tax expense from reclassification items for nine month ended September 30, 2013 and September 30, 2012, respectively)	18	366	289	897
Net income	233	941	1,136	2,476
Dividends and accretion on preferred stock	178	225	571	672
Net income available for common stockholders	$55	$716	$565	$1,804
Basic earnings per common share (in dollars per share)	$0.03	$0.36	$0.29	$0.92
Diluted earnings per common share (in dollars per share)	$0.02	$0.35	$0.27	$0.88

Consolidated_Statements_of_Inc1

Consolidated Statements of Income (Parenthetical) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Consolidated Statements of Income	'	'
Comprehensive income reclassification adjustment for unrealized net gains on available-for-sale securities included in net income, before tax	$37	$55
Reclassification of income tax expense	$13	$19

Consolidated_Statements_of_Com

Consolidated Statements of Comprehensive Income (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Comprehensive income, net of tax	'	'	'	'
Net income	$233	$941	$1,136	$2,476
Other comprehensive income	'	'	'	'
Reclassification adjustment for gains included in net income, net	'	'	-24	-36
Change in unrealized gain (loss) on available for sale securities, net of $87 and $256 taxes for the three and nine months ending 2013; and, net of $70 and $148 taxes for the three and nine months ended 2012, respectively	257	207	-752	434
Total other comprehensive income (loss)	257	207	-776	398
Comprehensive income	$490	$1,148	$360	$2,874

Consolidated_Statements_of_Com1

Consolidated Statements of Comprehensive Income (Parenthetical) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Consolidated Statements of Comprehensive Income	'	'	'	'
Unrealized gain (loss) on available for sale securities, taxes	$87	$70	$256	$148

Consolidated_Statements_of_Cha

Consolidated Statements of Changes in Stockholders' Equity (USD $)	Total	Preferred Stock	Common Stock	Retained Earnings (Deficit)	Accumulated Other Comprehensive Income (Loss)
In Thousands, unless otherwise specified
Balance at Dec. 31, 2011	$38,872	$14,130	$27,072	($2,706)	$376
Increase (Decrease) in Stockholders' Equity	'	'	'	'	'
Net income	2,476	'	'	2,476	'
Accretion on Series A preferred stock	'	36	'	-36	'
Change in other comprehensive income, net	398	'	'	'	398
Dividend declared and paid on preferred stock	-636	'	'	-636	'
Balance at Sep. 30, 2012	41,110	14,166	27,072	-902	774
Balance at Dec. 31, 2012	41,566	14,178	27,072	-430	746
Increase (Decrease) in Stockholders' Equity	'	'	'	'	'
Net income	1,136	'	'	1,136	'
Repayment of 93 shares Series A preferred stock	-3,301	-3,301	'	'	'
Accretion on Series A preferred stock	'	41	'	-41	'
Change in other comprehensive income, net	-776	'	'	'	-776
Dividend declared and paid on preferred stock	-530	'	'	-530	'
Balance at Sep. 30, 2013	$38,094	$10,918	$27,072	$134	($30)

Consolidated_Statements_of_Cha1

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) (Preferred Stock)	9 Months Ended
	Sep. 30, 2013
Preferred Stock	'
Repayment of shares Series A preferred stock	93

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Operating Activities	'	'
Net income	$1,136	$2,476
Items not requiring (providing) cash:	'	'
Depreciation and amortization	467	478
Provision for loan losses	2,200	1,120
Amortization of premiums and discounts on securities	263	257
Amortization of core deposit intangible	253	265
Deferred income taxes	543	-106
BOLI income	-170	-198
Proceeds from sale of mortgage loans	9,853	11,608
Origination of mortgage loans held for sale	-9,667	-11,209
Gains on sales of available-for-sale securities	-37	-55
Gains on sales of mortgage loans	-241	-219
Write-downs and losses on sale of other real estate owned	13	121
Gain on sale premises and equipment	-9	-12
Changes in:	'	'
Accrued interest receivable	12	51
Other assets	626	551
Accrued interest payable and other liabilities	-225	217
Net cash provided by operating activities	5,017	5,345
Investing Activities	'	'
Loan originations and payments, net	-6,177	-12,576
Purchase of premises and equipment	-71	-224
Proceeds from maturities of available-for-sale securities	7,105	12,921
Proceeds from sales of available-for-sale securities	1,089	962
Proceeds from sales of other real estate owned	85	404
Purchase of available-for-sale securities	-13,398	-10,590
Proceeds from sales of premises and equipment	9	12
Net cash used in investing activities	-11,358	-9,091
Financing Activities	'	'
Net change in demand deposits, money market, NOW and savings accounts	8,292	-15,745
Net change in time deposits	-2,392	-1,200
Repayment of TARP preferred stock	-3,301	'
Proceeds from other borrowings	2,000	12,500
Repayment of FHLB advances	'	-7,500
Dividends paid on preferred stock	-530	-636
Net cash provided by (used in) financing activities	4,069	-12,581
Decrease in Cash and Cash Equivalents	-2,272	-16,327
Cash and Cash Equivalents, Beginning of Year	34,799	30,549
Cash and Cash Equivalents, End of Quarter	32,527	14,222
Supplemental Cash Flows Information	'	'
Interest paid	2,247	2,676
Income taxes paid	270	560
Loans transferred to other real estate owned	$454	$147

Nature_of_Operations_and_Summa

Nature of Operations and Summary of Significant Accounting Policies	9 Months Ended
	Sep. 30, 2013
Nature of Operations and Summary of Significant Accounting Policies	'
Nature of Operations and Summary of Significant Accounting Policies	'
	Note 1 — Nature of Operations and Summary of Significant Accounting Policies
	The accounting and reporting policies of Citizens First Corporation (the “Company”) and its subsidiary, Citizens First Bank, Inc. (the “Bank”), conform to U.S. generally accepted accounting principles and general practices within the banking industry.  The consolidated financial statements include the accounts of the Company and the Bank.  All significant intercompany transactions and accounts have been eliminated in consolidation.
	Certain information and note disclosures normally included in the Company’s annual financial statements prepared in accordance with U.S. generally accepted accounting principles have been condensed or omitted.  These consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company’s 2012 Annual Report on Form 10-K filed with the Securities and Exchange Commission.
	The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the financial statements and the reported amounts of revenues and expenses during the reporting period.  Estimates used in the preparation of the financial statements are based on various factors including the current interest rate environment and the general strength of the local economy.  Changes in the overall interest rate environment can significantly affect the Company’s net interest income and the value of its recorded assets and liabilities.  Actual results could differ from those estimates used in the preparation of the financial statements.
	In the opinion of management, all adjustments considered necessary for a fair presentation have been reflected in the accompanying unaudited financial statements.  Those adjustments consist only of normal recurring adjustments. Results of interim periods are not necessarily indicative of results to be expected for the full year.  The consolidated balance sheet of the Company as of December 31, 2012 has been derived from the audited consolidated balance sheet of the Company as of that date.

Reclassifications

Reclassifications	9 Months Ended
	Sep. 30, 2013
Reclassifications	'
Reclassifications	'
	Note 2 - Reclassifications
	Certain reclassifications have been made to the consolidated financial statements of prior periods to conform to the current period presentation.  These reclassifications do not affect net income or total stockholders’ equity as previously reported.

AvailableForSale_Securities

Available-For-Sale Securities	9 Months Ended
	Sep. 30, 2013
Available-For-Sale Securities	'
Available-For-Sale Securities	'
	Note 3 - Available-For-Sale Securities
	The following table summarizes the amortized cost and fair value of the available-for sale securities portfolio at September 30, 2013 and December 31, 2012 and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive income (loss):
		(Dollars in Thousands)
		Amortized		Gross			Gross			Fair
		Cost		Unrealized			Unrealized			Value
				Gains			Losses
	September 30, 2013
	U. S. government agencies and government sponsored entities	$	6,005	$	—		$	(150	)	$	5,855
	State and municipal	19,910		632			(249		)	20,293
	Agency mortgage-backed securities: residential	21,701		315			(113		)	21,903
	Trust preferred security	1,871		—			(471		)	1,400
	Corporate Bonds	1,000		—			(10		)	990
	Total investment securities	$	50,487	$	947		$	(993	)	$	50,441
	December 31, 2012
	U. S. government agencies and government sponsored entities	$	7,018	$	7		$	(21	)	$	7,004
	State and municipal	19,541		1,366			(31		)	20,876
	Agency mortgage-backed securities: residential	17,082		477			—			17,559
	Trust preferred security	1,867		—			(667		)	1,200
	Total investment securities	$	45,508	$	1,850		$	(719	)	$	46,639
	The amortized cost and fair value of investment securities at September 30, 2013 by contractual maturity were as follows.  Securities not due at a single maturity date, primarily mortgage-backed securities, are shown separately.
		September 30, 2013
		(Dollars in Thousands)
		Available-For-Sale
		Amortized Cost		Fair Value
	Due in one year or less	256		260
	Due from one to five years	5,902		5,986
	Due from five to ten years	13,641		13,746
	Due after ten years	8,987		8,546
	Agency mortgage-backed: residential	21,701		21,903
	Total	$	50,487	$	50,441
	The following table summarizes the investment securities with unrealized losses at September 30, 2013 and December 31, 2012, aggregated by investment category and length of time that individual securities have been in continuous unrealized loss position:
		(Dollars in Thousands)
		Less than 12 Months					12 Months or More						Total
	Description of	Fair Value		Unrealized			Fair Value			Unrealized			Fair Value		Unrealized
	Securities			Losses						Losses					Losses
	September 30, 2013:
	U.S. government agencies and government sponsored entities	$	5,855	$	(150	)	$	—		$	—		$	5,855	$	(150	)
	State and municipal	3,657		(249		)	—			—			3,657		(249		)
	Agency mortgage-backed: residential	4,469		(113		)	—			—			4,469		(113		)
	Trust preferred security	—		—			1,400			(471		)	1,400		(471		)
	Corporate bonds	990		(10		)	—			—			990		(10		)
	Total temporarily impaired	$	14,971	$	(522	)	$	1,400		$	(471	)	$	16,371	$	(993	)
		(Dollars in Thousands)
		Less than 12 Months					12 Months or More						Total
	Description of	Fair Value		Unrealized			Fair Value			Unrealized			Fair Value		Unrealized
	Securities			Losses						Losses					Losses
	December 31, 2012:
	U.S. government agencies and government sponsored entities	$	3,985	$	(21	)	$	—		$	—		$	3,985	$	(21	)
	State and municipal	1,131		(31		)	—			—			1,131		(31		)
	Trust preferred security	—		—			1,200			(667		)	1,200		(667		)
	Total temporarily impaired	$	5,116	$	(52	)	$	1,200		$	(667	)	$	6,316	$	(719	)
	Other-Than-Temporary-Impairment
	Management evaluates securities for other-than-temporary impairment (“OTTI”) at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation.  Investment securities classified as available-for-sale are generally evaluated for OTTI under ASC Topic 320, “Investments - Debt and Equity Securities.”
	In determining OTTI under the ASC Topic 320 model, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the entity has the intent to sell the debt security or more likely than not will be required to sell the debt security before its anticipated recovery.  The assessment of whether an other-than-temporary decline exists involves a high degree of subjectivity and judgment and is based on the information available to management at a point in time.
	As of September 30, 2013, our securities portfolio consisted of $50.4 million fair value of securities, $16.4 million, or 21 securities, of which were in an unrealized loss position.
	All rated securities are investment grade.  For those that are not rated, the financial condition has been evaluated and no adverse conditions were identified related to repayment.  Declines in fair value are a function of rate differences in the market and market illiquidity.  The Company does not intend or is not expected to be required to sell these securities before recovery of their amortized cost basis.
	The Company’s unrealized losses 12 months or more relate to its investment in a single trust preferred security.  The security is a single-issuer trust preferred that is not rated.  While market conditions have allowed some increase in the fair market value of the trust preferred security at September 30, 2013, a full recovery has not yet occurred.  No impairment charge is being taken as no loss of principal or interest is anticipated.  All principal and interest payments are being received as scheduled.  On a quarterly basis, we evaluate the creditworthiness of the issuer, a bank holding company with operations in the state of Kentucky.  Based on the issuer’s continued profitability and well-capitalized position, we do not deem that there is credit loss.  The decline in fair value is primarily attributable to illiquidity affecting these markets and not the expected cash flows of the individual securities.  We have evaluated the financial condition and near term prospects of the issuer and expect to fully recover our cost basis.  This security continues to pay interest as agreed and future payments are expected to be made as agreed.  This security is not considered to be other-than-temporarily impaired.

Loans_and_Allowance_for_Loan_L

Loans and Allowance for Loan Losses	9 Months Ended
	Sep. 30, 2013
Loans and Allowance for Loan Losses	'
Loans and Allowance for Loan Losses	'
	Note 4 - Loans and Allowance for Loan Losses
	Categories of loans include:
		(Dollars in Thousands)
		September			December
		30,			31,
		2013			2012
	Commercial	$	46,781		$	49,535
	Commercial real estate:
	Construction	12,861			8,094
	Other	160,209			156,553
	Residential real estate	75,055			77,356
	Consumer:
	Auto	2,854			3,350
	Other	3,616			3,866
	Total loans	301,376			298,754
	Less allowance for loan losses	(4,820		)	(5,721		)
	Net loans	$	296,556		$	293,033
	The following table sets forth an analysis of our allowance for loan losses for the three months ending September 30, 2013 and 2012.
		(Dollars In Thousands)
		Commercial			Commercial			Residential			Consumer			Unallocated			Total
					Real Estate			Real Estate
	September 30, 2013 Allowance for loan losses:
	Beginning balance	$	1,922		$	3,271		$	521		$	73		$	277		$	6,064
	Provision for loan losses	(286		)	967			53			16			150			900
	Loans charged-off	—			(2,169		)	(21		)	(8		)	—			(2,198		)
	Recoveries	15			32			5			2			—			54
	Total ending allowance balance	$	1,651		$	2,101		$	558		$	83		$	427		$	4,820
		(Dollars In Thousands)
		Commercial			Commercial			Residential			Consumer			Unallocated			Total
					Real Estate			Real Estate
	September  30, 2012 Allowance for loan losses:
	Beginning balance	$	2,055		$	2,737		$	805		$	70		$	232		$	5,899
	Provision for loan losses	17			384			(122		)	(4		)	25			300
	Loans charged-off	(190		)	(15		)	(37		)	(1		)	—			(243		)
	Recoveries	5			—			5			2			—			12
	Total ending allowance balance	$	1,887		$	3,106		$	651		$	67		$	257		$	5,968
	The following table sets forth an analysis of our allowance for loan losses for the nine months ending September 30, 2013 and 2012.
		(Dollars In Thousands)
		Commercial			Commercial			Residential			Consumer			Unallocated			Total
					Real Estate			Real Estate
	September 30, 2013 Allowance for loan losses:
	Beginning balance	$	2,156		$	2,635		$	589		$	90		$	251		$	5,721
	Provision for loan losses	460			1,558			(7		)	13			176			2,200
	Loans charged-off	(987		)	(2,183		)	(40		)	(24		)	—			(3,234		)
	Recoveries	22			91			16			4			—			133
	Total ending allowance balance	$	1,651		$	2,101		$	558		$	83		$	427		$	4,820
		(Dollars In Thousands)
		Commercial			Commercial			Residential			Consumer			Unallocated			Total
					Real Estate			Real Estate
	September  30, 2012 Allowance for loan losses:
	Beginning balance	$	2,667		$	1,986		$	858		$	81		$	273		$	5,865
	Provision for loan losses	(295		)	1,219			219			(7		)	(16		)	1,120
	Loans charged-off	(490		)	(100		)	(445		)	(14		)	—			(1,049		)
	Recoveries	5			1			19			7			—			32
	Total ending allowance balance	$	1,887		$	3,106		$	651		$	67		$	257		$	5,968
	The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on the impairment method as of September 30, 2013 and December 31, 2012.  As of September 30, 2013 and December 31, 2012, accrued interest receivable of $1.4 million, are not considered significant and therefore not included in the recorded investment in loans presented in the following tables. Net deferred loan fees of $258,000 and $168,000, respectively, are included in the following tables.
		(Dollars In Thousands)
		Commercial			Commercial			Residential			Consumer			Unallocated			Total
					Real Estate			Real Estate
	September 30, 2013
	Allowance for loan losses:
	Ending allowance balance attributable to loans:
	Individually evaluated for impairment	$	1,083		$	334		$	151		$	38		$	—		$	1,606
Collectively evaluated	568			1,767			407			45			427			3,214
Total ending allowance balance	$	1,651		$	2,101		$	558		$	83		$	427		$	4,820
Loans:
Individually evaluated for impairment	$	4,589		$	6,143		$	841		$	38		$	—		$	11,611
Collectively evaluated	42,191			166,927			74,214			6,433			—			289,765
Total ending loans balance	$	46,781		$	173,070		$	75,055		$	6,470		$	—		$	301,376
	(Dollars In Thousands)
	Commercial			Commercial			Residential			Consumer			Unallocated			Total
				Real Estate			Real Estate
December 31, 2012
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	1,643		$	1,761		$	19		$	28		$	—		$	3,451
Collectively evaluated	513			874			570			62			251			2,270
Total ending allowance balance	$	2,156		$	2,635		$	589		$	90		$	251		$	5,721
Loans:
Individually evaluated for impairment	$	5,726		$	6,900		$	245		$	34		$	—		$	12,905
Collectively evaluated	43,809			157,747			77,111			7,182			—			285,849
Total ending loans balance	$	49,535		$	164,647		$	77,356		$	7,216		$	—		$	298,754
The following table presents information related to impaired loans by class of loans as of September 30, 2013 and December 31, 2012. In this table presentation the unpaid principal balance of the loans has not been reduced by partial net charge-offs. In this table presentation the recorded investment of the loans was reduced by partial net charge-offs.
	(Dollars in Thousands)									(Dollars in Thousands)
	September 30, 2013									December 31, 2012
	Unpaid			Recorded			Allowance			Unpaid			Recorded			Allowance
	Principal			Investment			for Loan			Principal			Investment			for Loan
	Balance						Losses			Balance						Losses
							Allocated									Allocated
With no related allowance recorded:
Commercial	$	3,316		$	3,316		$	—		$	3,699		$	3,699		$	—
Commercial real estate:
Construction	—			—			—			—			—			—
Other	6,688			4,598			—			206			206			—
Residential real estate	96			96			—			242			225			—
Consumer:
Auto	—			—			—			4			4			—
Other	—			—			—			2			2			—
Subtotal	10,100			8,010			—			4,153			4,136			—
With an allowance recorded:
Commercial	1,273			1,273			1,083			2,026			2,026			1,643
Commercial real estate:
Construction	—			—			—			—			—			—
Other	1,545			1,545			334			6,695			6,695			1,761
Residential real estate	745			745			151			20			20			19
Consumer:
Auto	23			23			23			28			28			28
Other	15			15			15			—			—			—
Subtotal	3,601			3,601			1,606			8,769			8,769			3,451
Total	$	13,701		$	11,611		$	1,606		$	12,922		$	12,905		$	3,451
Information on impaired loans for the three months ending September 30, 2013 and 2012 is as follows:
	(Dollars in Thousands)									(Dollars in Thousands)
	September 30, 2013									September 30, 2012
	Average			Interest			Cash Basis			Average			Interest			Cash Basis
	Recorded			Income			Interest			Recorded			Income			Interest
	Investment			Recognized			Recognized			Investment			Recognized			Recognized
Commercial	$	5,283		67			36			$	4,039		58			34
Commercial real estate:
Construction	—			—			—			—			—			—
Other	6,750			163			39			7,759			128			70
Residential real estate	826			17			12			636			9			3
Consumer:
Auto	23			—			—			19			—			—
Other	9			—			—			2			—			—
Total	$	12,891		$	247		$	87		$	12,455		$	195		$	107
Information on impaired loans for the nine months ending September 30, 2013 and 2012 is as follows:
	(Dollars in Thousands)									(Dollars in Thousands)
	September 30, 2013									September 30, 2012
	Average			Interest			Cash Basis			Average			Interest			Cash Basis
	Recorded			Income			Interest			Recorded			Income			Interest
	Investment			Recognized			Recognized			Investment			Recognized			Recognized
Commercial	$	5,158		$	207		$	130		$	4,048		$	111		$	42
Commercial real estate:
Construction	—			—			—			—			—			—
Other	6,522			371			83			5,910			330			250
Residential real estate	548			28			19			781			23			8
Consumer:
Auto	27			1			—			12			1			—
Other	9			—			—			1			—			—
Total	$	12,264		$	607		$	232		$	10,752		$	465		$	300
The recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans as of September 30, 2013 and December 31, 2012 are summarized below:
	(Dollars in Thousands)						(Dollars in Thousands)
	As of September 30, 2013						As of December 31, 2012
	Loans Past Due			Nonaccrual			Loans Past Due			Nonaccrual
	Over 90 Days and						Over 90 Days and
	Still Accruing						Still Accruing
Commercial	$	—		$	683		$	—		$	1,791
Commercial real estate:
Construction	—			—			—			—
Other	—			4,580			—			4,072
Residential real estate	19			540			—			245
Consumer:
Auto	—			22			—			32
Other	—			—			—			2
Total	$	19		$	5,825		$	—		$	6,142
Nonaccrual loans and loans past due 90 days still on accrual include individually classified impaired loans.
The following tables present the aging of the recorded investment in past due loans as of September 30, 2013 and December 31, 2012 by class of loans.  Non-accrual loans are included and have been categorized based on their payment status:
	(Dollars In Thousands)
	30-59			60-89			Over 90			Total			Loans Not			Total
	Days			Days			Days			Past Due			Past Due
	Past Due			Past Due			Past Due
September 30, 2013
Commercial	$	100		$	30		$	13		$	143		$	46,638		$	46,781
Commercial real estate:
Construction	—			—			—			—			12,861			12,861
Other	—			303			4,134			4,437			155,772			160,209
Residential real estate	343			33			419			795			74,260			75,055
Consumer:
Auto	—			—			—			—			2,854			2,854
Other	—			1			—			1			3,615			3,616
Total	$	443		$	367		$	4,566		$	5,376		$	296,000		$	301,376
	(Dollars In Thousands)
	30-59			60-89			Over 90			Total			Loans Not			Total
	Days			Days			Days			Past Due			Past Due
	Past Due			Past Due			Past Due
December 31, 2012
Commercial	$	540		$	5		$	8		$	553		$	48,982		$	49,535
Commercial real estate:
Construction	—			—			—			—			8,094			8,094
Other	2,042			3,807			75			5,924			150,629			156,553
Residential real estate	235			—			86			321			77,035			77,356
Consumer:
Auto	8			2			16			26			3,324			3,350
Other	1			—			2			3			3,863			3,866
Total	$	2,826		$	3,814		$	187		$	6,827		$	291,927		$	298,754
Troubled Debt Restructurings:
The Company reported total troubled debt restructurings of $7.5 million and $7.3 million as of September 30, 2013 and December 31, 2012, respectively.  The Company has no commitments to lend additional amounts to customers with outstanding loans that are classified as troubled debt restructurings.  Troubled debt restructurings are included in impaired loans. Of the 21 troubled debt restructurings reported at quarter end, 14 loans totaling $5.5 million were accruing and 7 loans totaling $2.0 million were on nonaccrual status.
During the quarter ending September 30, 2013, four additional loans totaling $940,000 were modified and four previously reported troubled loans of $2.0 million were further modified as troubled debt restructurings. The modification of the terms of these loans included reducing the interest rate, granting an interest only payment period, and extending the amortization term.
During the nine months ended September 30, 2013, seven additional loans totaling $1.7 million were modified and five previously reported troubled loans of $1.2 million were further modified as troubled debt restructurings. The modification of the terms of these loans included reducing the interest rate, granting an interest only payment period, and extending the amortization term.
The following table presents loans by class modified as troubled debt restructurings outstanding as of September 30, 2013:
			(Dollars in thousands)
	Number of		Pre-Modification			Post-Modification
	Loans		Outstanding			Outstanding Recorded
			Recorded			Investment
			Investment
Troubled Debt Restructurings:
Commercial	11		$	5,558		$	5,908
Commercial real estate:
Other	6		3,665			3,667
Residential real estate	3		192			206
Consumer	1		16			15
Total	21		$	9,431		$	9,796
The following table presents loans by class modified as troubled debt restructurings outstanding as of December 31, 2012:
			(Dollars in thousands)
	Number of		Pre-Modification			Post-Modification
	Loans		Outstanding			Outstanding Recorded
			Recorded			Investment
			Investment
Troubled Debt Restructurings:
Commercial	7		$	4,613		$	4,613
Commercial real estate:
Other	3		1,067			1,070
Residential real estate	1		11			12
Total	11		$	5,691		$	5,695
The following table presents loans by class modified as troubled debt restructurings that occurred during the quarter ending September 30, 2013:
			(Dollars in thousands)
	Number of		Pre-Modification			Post-Modification
	Loans		Outstanding			Outstanding Recorded
			Recorded			Investment
			Investment
Troubled Debt Restructurings:
Commercial	5		$	1,922		$	2,272
Commercial real estate:
Other	1		604			604
Residential real estate	1		71			72
Consumer	1		16			15
Total	8		$	2,613		$	2,963
The following table presents loans by class modified as troubled debt restructurings that occurred during the quarter ending September 30, 2012:
			(Dollars in thousands)
	Number of		Pre-Modification			Post-Modification
	Loans		Outstanding			Outstanding Recorded
			Recorded			Investment
			Investment
Troubled Debt Restructurings:
Commercial real estate:
Other	1		$	952		$	952
Total	1		$	952		$	952
The following table presents loans by class modified as troubled debt restructurings that occurred during the nine months ending September 30, 2013:
			(Dollars in thousands)
	Number of		Pre-Modification		Post-Modification
	Loans		Outstanding		Outstanding Recorded
			Recorded		Investment
			Investment
Troubled Debt Restructurings:
Commercial	8		2,069		2,419
Commercial real estate:
Other	1		604		604
Residential real estate	2		181		194
Consumer	1		16		15
Total	12		2,870		3,232
The following table presents loans by class modified as troubled debt restructurings that occurred during the nine months ending September 30, 2012:
			(Dollars in thousands)
	Number of		Pre-Modification			Post-Modification
	Loans		Outstanding			Outstanding Recorded
			Recorded			Investment
			Investment
Troubled Debt Restructurings:
Commercial	5		$	3,147		$	3,147
Commercial real estate:
Other	2		974			977
Total	7		$	4,121		$	4,124
Specific allocations of $1.1 million and $1.4 million were reported for troubled debt restructurings as of September 30, 2013 and December 31, 2012.  No payment defaults were reported for troubled debt restructurings during the quarter or nine months ending September 30, 2013. Specific allocations of $1.9 million were reported for the troubled debt restructurings as of September 30, 2012. A partial charge off of $576,000 was taken during the quarter ending September 30, 2013 on a previously reported troubled debt restructuring. No payment defaults were reported for troubled debt restructurings during the quarter or nine months ending September 30, 2012.
The terms of certain other loans were modified during the nine months ending September 30, 2013 that did not meet the definition of a troubled debt restructuring. These loans modified during the nine months ending September 30, 2013 have a total recorded investment of $2.8 million as of September 30, 2013.  The modification of these loans involved either a modification of the terms of a loan to borrowers who were not experiencing financial difficulties or a delay in a payment that was considered to be insignificant.
In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company’s internal underwriting policy.
Credit Quality Indicators:
The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors.  The Company analyzes loans individually by classifying the loans as to credit risk.  This analysis includes commercial and commercial real estate loans with an outstanding balance greater than $25 thousand and is reviewed on a monthly basis. For residential real estate and consumer loans the analysis primarily involves monitoring the past due status of these loans and at such time that these loans are past due, the Company evaluates the loans to determine if a change in risk category is warranted. The Company uses the following definitions for risk ratings:
Special Mention.  Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date.
Substandard.  Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.
Doubtful.  Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.
Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be Pass rated loans.  All loans in all loan categories are assigned risk ratings.  Based on the most recent analyses performed, the risk category of loans by class of loans is as follows:
	Pass			Special			Substandard			Doubtful			Total
				Mention
September 30, 2013
Commercial	$	40,963		$	1,016		$	4,802		—			$	46,781
Commercial real estate:
Construction	12,861			—			—			—			12,861
Other	147,693			—			12,516			—			160,209
Residential real estate	74,094			—			961			—			75,055
Consumer
Auto	2,854			—			—			—			2,854
Other	3,616			—			—			—			3,616
Total	$	282,081		$	1,016		$	18,279		$	—		$	301,376
	Pass			Special			Substandard			Doubtful			Total
				Mention
December 31, 2012
Commercial	$	41,852		$	99		$	7,584		$	—		$	49,535
Commercial real estate:
Construction	8,094			—			—			—			8,094
Other	145,087			520			10,933			13			156,553
Residential real estate	76,704			—			641			11			77,356
Consumer:
Auto	3,346			—			4			—			3,350
Other	3,864			—			2			—			3,866
Total	$	278,947		$	619		$	19,164		$	24		$	298,754

Fair_Value_Measurements

Fair Value Measurements	9 Months Ended
	Sep. 30, 2013
Fair Value Measurements	'
Fair Value Measurements	'
	Note 5 - Fair Value Measurements
	Fair value is the exchange price that would be received to sell an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants at the measurement date. The fair value hierarchy requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair values:
	Level 1 — Quoted prices in active markets for identical assets or liabilities.
	Level 2 — Significant other observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, and other inputs that are observable or can be corroborated by observable market data.
	Level 3 — Significant unobservable inputs that are supported by little or no market activity, reflect a company’s own assumptions about market participant assumptions of fair value, and are significant to the fair value of the assets or liabilities.
	In determining the appropriate levels, the Company used the following methods and significant assumptions to estimate the fair value of each type of financial instrument:
	Investment Securities: The fair value of securities available-for-sale are determined by obtaining quoted prices on nationally recognized securities exchanges (level 1 inputs) or matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities (level 2 inputs).  The Company does not have any Level 1 securities.  Level 2 securities include certain U.S. agency bonds, collateralized mortgage and debt obligations, and certain municipal securities. The Company does not have any Level 3 securities.
	Impaired Loans: The fair value of impaired loans with specific allocations of the allowance for loan losses is generally based on recent real estate appraisals.  These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach.  Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available.  Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value.
	Other Real Estate Owned: Commercial and residential real estate properties classified as other real estate owned (OREO) are measured at fair value, less costs to sell.  Fair values are based on recent real estate appraisals.  These appraisals may use a single valuation approach or a combination of approaches including comparable sales and the income approach.  Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available.  Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value.
	Appraisals for collateral-dependent impaired loans and real estate properties classified as other real estate owned are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by Bank management.  The appraisal values for collateral-dependent impaired loans are discounted to allow for selling expenses and fees, the limited use nature of various properties, the age of the most recent appraisal, and additional discretionary discounts for location, condition, etc. The Bank annually obtains an updated current appraisal value for each OREO property to certify that the fair value has not declined.  For each parcel of OREO that has declined in value, the Bank records the decline in value by a direct writedown of the asset.
	Assets measured on a recurring basis:
		Fair Value Measurements at September 30, 2013
		(Dollars in Thousands)
		Quoted Prices		Significant Other			Significant
		in Active		Observable Inputs			Unobservable Inputs
		Markets for		(Level 2)			(Level 3)
		Identical Assets
		(Level 1)
	Assets:
	Securities available-for-sale
	U. S. government agencies and government sponsored entities			$	5,855
	State and municipal			20,293
	Agency mortgage-backed securities -residential			21,903
	Trust preferred security			1,400
	Corporate bonds			990
	Total investment securities	—		$	50,441		—
		Fair Value Measurements at December 31, 2012
		(Dollars in Thousands)
		Quoted Prices		Significant Other			Significant
		in Active		Observable Inputs			Unobservable Inputs
		Markets for		(Level 2)			(Level 3)
		Identical Assets
		(Level 1)
	Assets:
	Securities available-for-sale
	U. S. government agencies and government sponsored entities			$	7,004
	State and municipal			20,876
	Agency mortgage-backed securities -residential			17,559
	Trust preferred security			1,200
	Total investment securities	—		$	46,639		—
	Assets measured on a non-recurring basis:
	Fair Value Measurements at September 30, 2013
	(Dollars in Thousands)
		Significant
		Unobservable Inputs
		(Level 3)
	Impaired loans:
	Commercial	$	190
	Commercial RE	1,211
	Residential	594
	Other real estate owned:
	Commercial RE	$	337
	Residential	210
	Fair Value Measurements at December 31, 2012
	(Dollars in Thousands)
		Significant
		Unobservable Inputs
		(Level 3)
	Impaired loans:
	Commercial	$	383
	Commercial RE	4,934
	Residential	1
	Other real estate owned:
Residential	$	191
Impaired loans which are measured for impairment using the fair value of collateral for collateral dependent loans, had a principal balance of $3.6 million at September 30, 2013 with a valuation allowance of $1.6 million.  Impaired loans had a principal balance of $8.8 million at December 31, 2012, with a valuation allowance of $3.5 million.  A resulting decrease in the specific allocation for impaired loans of $870,000 was recognized for the nine months ended September 30, 2013, as a result of net changes in fair values on collateral dependent loans and other factors affecting the provision for loan losses.
Other real estate owned, which is measured at fair value less costs to sell, had a net carrying value of $547,000 at September 30, 2013 and $191,000 at December 31, 2012.  Total writedowns of other real estate owned year to date September 30, 2013 and 2012, were $15,000 and $40,000 respectively.
The following table presents quantitative and qualitative information about Level 3 fair value measurements for financial instruments measured on a non-recurring basis at September 30, 2013.
	September			Valuation Techniques		Unobservable Inputs (Dollars in		Range
	30, 2013					thousands)		(Weighted Avg)
Impaired loans:
Commercial	$	190		Market Approach		Discounts to allow for market value of assets		0%-66.72% (41.92%)
Commercial RE	1,211			Sales Comparison		Adjustments for limited use nature of certain properties, age of appraisal, location, and/or condition		-20.00%
Residential	594		Sales Comparison		Adjustments for limited use nature of certain properties, age of appraisal, location, and/or condition		0%-15% (12.18%)
Other real estate owned:
Commercial RE	337		Sales Comparison		Adjustments for limited use nature of certain properties, age of appraisal, location, and/or condition		21%-49% (45.16%)
Residential	210		Sales Comparison		Adjustments for limited use nature of certain properties, age of appraisal, location, and/or condition		6%-17.4% (11.16%)
The following table presents quantitative and qualitative information about Level 3 fair value measurements for financial instruments measured on a non-recurring basis at December 31, 2012.
	December		Valuation Techniques		Unobservable Inputs (Dollars in		Range
	312,012				thousands)		(Weighted Avg)
Impaired loans:
Commercial	$383		Market Approach		Discounts to allow for market value of assets		0%-50% (40.22%)
Commercial RE	4,934		Sales Comparison		Adjustments for limited use nature of certain properties, age of appraisal, location, and/or condition		20%-38.97% (32.60%)
Residential	1		Sales Comparison		Adjustments for limited use nature of certain properties, age of appraisal, location, and/or condition		0%-15% (15%)
Other real estate owned:
Residential	191		Sales Comparison		Adjustments for limited use nature of certain properties, age of appraisal, location, and/or condition		6%-15% (9.39%)
Carrying amount and estimated fair values of financial instruments, not previously presented, were as follows:
	Carrying			Fair Value Measurements at
				September 30, 2013
	Amount			Level 1			Level 2		Level 3	Total
Financial Assets
Cash and cash equivalents	$	32,527		$	32,527					$	32,527
Loans held for sale	115						118			118
Loans, net of allowance	294,561								299,373	299,373
Accrued interest receivable	1,648						261		1,387	1,648
Federal Home Loan Bank stock	2,025									N/A
Financial Liabilities
Demand and savings deposits	$	161,211		$	133,267					$	133,267
Time deposits	176,422						177,102			177,102
FHLB advances and other borrowings	28,000						27,811			27,811
Subordinate debentures	5,000								2,392	2,392
Accrued interest payable	270			12			258			270
	Carrying			Fair Value Measurements at
				December 31, 2012
	Amount			Level 1			Level 2		Level 3	Total
Financial Assets
Cash and cash equivalents	$	34,799		$	34,799					$	34,799
Loans held for sale	61						62			62
Loans, net of allowance	287,715								290,865	290,865
Accrued interest receivable	1,660						273		1,387	1,660
Federal Home Loan Bank stock	2,025									N/A
Financial Liabilities
Demand and savings deposits	$	152,919		$	152,932					$	152,932
Time deposits	178,814						179,001			179,001
FHLB advances	26,000						26,350			26,350
Subordinate debentures	5,000								2,392	2,392
Accrued interest payable	238			10			228			238
The methods and assumptions used to estimate fair value are described as follows:
(a)         Cash and Cash Equivalents: The carrying amounts of cash and short-term instruments approximate fair values and are classified as Level 1.
(b)         FHLB Stock: It is not practical to determine the fair value of FHLB stock due to restrictions placed on its transferability.
(c)          Loans: Fair values of loans, excluding loans held for sale, are estimated as follows: For variable rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values resulting in a Level 3 classification. Fair values for other loans are estimated using discounted cash flow analyses, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality resulting in a Level 3 classification. Impaired loans are valued at the lower of cost or fair value as described previously. The methods utilized to estimate the fair value of loans do not necessarily represent an exit price. The fair value of loans held for sale is estimated based upon binding contracts and quotes from third party investors resulting in a Level 2 classification.
(d)         Deposits: The fair values disclosed for demand deposits (e.g., interest and non-interest checking, passbook savings, and certain types of money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amount) resulting in a Level 1 classification. The carrying amounts of variable rate money market accounts and certificates of deposit approximate their fair values at the reporting date resulting in a Level 2 classification. Fair values for fixed rate certificates of deposit are estimated using a discounted cash flows calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits resulting in a Level 2 classification.
(e)          FHLB Advances/ Subordinated Debentures: The fair values of the Company’s long-term borrowings are estimated using discounted cash flow analyses based on the current borrowing rates for similar types of borrowing arrangements resulting in a Level 2 classification. The fair values of the Company’s Subordinated Debentures are estimated using discounted cash flow analyses based on the current borrowing rates for similar types of borrowing arrangements resulting in a Level 3 classification.
(f)           Accrued Interest Receivable/Payable: The carrying amounts of accrued interest approximate fair value resulting in a Level 1 or Level 2 classification consistent with the asset/liability they are associated with.

Earnings_Per_Share

Earnings Per Share	9 Months Ended
	Sep. 30, 2013
Earnings Per Share	'
Earnings Per Share	'
	Note 6 - Earnings Per Share
	Basic earnings per share have been computed by dividing net income available for common shareholders by the weighted-average number of common shares outstanding for the period.  Diluted earnings per share have been computed the same as basic earnings per share, and assumes the conversion of outstanding vested stock options and convertible preferred stock if dilutive.  The following table reconciles the basic and diluted earnings per share computations for the quarters ending September 30, 2013 and 2012.
		Quarter ended September 30,						Quarter ended September 30,
		2013						2012
		Income			Weighted	Per Share		Income/			Weighted-	Per Share
					Average	Amount		(Loss)			Average	Amount
					Shares						Shares
	Basic earnings per share:
	Net income	$	233					$	941
	Less: Dividends and accretion on preferred stock	(178		)				(225		)
	Net income (loss) available to common shareholders	$	55		1,968,777	$	0.03	$	716		1,968,777	$	0.36
	Effect of dilutive securities
	Convertible preferred stock	—			—			—			—
	Stock options	—			—			—			—
	Warrants	—			110,143			—			99,112
	Diluted earnings per share
	Net income (loss) available to common shareholders and assumed conversions	$	55		2,078,920	$	0.02	$	716		2,067,889	$	0.35
		Nine months ended September						Nine months ended September
		30, 2013						30, 2012
		Income			Weighted	Per Share		Income/			Weighted-	Per Share
					Average	Amount		(Loss)			Average	Amount
					Shares						Shares
	Basic earnings per share
	Net income	$	1,136					$	2,476
	Less: Dividends and accretion on preferred stock	(571		)				(672		)
	Net income/(loss) available to common shareholders	$	565		1,968,777	$	0.29	$	1,804		1,968,777	$	0.92
	Effect of dilutive securities
	Convertible preferred stock	—			—			—			—
	Stock options	—			—			—			—
	Warrants	—			109,509			—			88,159
	Diluted earnings per share
	Net income/(loss) available to common shareholders and assumed conversions	$	565		2,078,286	$	0.27	$	1,804		2,056,936	$	0.88
	Stock options for 72,931 and 86,961 shares of common stock were not considered in computing diluted earnings per common share for September 30, 2013 and 2012, respectively, because they are anti-dilutive.  Convertible preferred shares are not included because they are anti-dilutive as of September 30, 2013 and 2012.  Common stock warrants totaled 254,218 as of September 30, 2013 and 2012.

Subsequent_Event

Subsequent Event	9 Months Ended
	Sep. 30, 2013
Subsequent Event	'
Subsequent Event	'
	Note 7 — Subsequent Event
	During the third quarter of 2013, the real estate securing our largest non-performing asset, a $3.8 million commercial real estate loan, was sold at auction to a third party for $2.5 million less selling costs.  The deficiency resulted in a charge-off of $1.6 million in the third quarter of 2013. The remaining principal balance of $2.2 million was collected on October 15, 2013.

Nature_of_Operations_and_Summa1

Nature of Operations and Summary of Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2013
Nature of Operations and Summary of Significant Accounting Policies	'
Nature of Operations and Summary of Significant Accounting Policies	'
	Nature of Operations and Summary of Significant Accounting Policies
	The accounting and reporting policies of Citizens First Corporation (the “Company”) and its subsidiary, Citizens First Bank, Inc. (the “Bank”), conform to U.S. generally accepted accounting principles and general practices within the banking industry.  The consolidated financial statements include the accounts of the Company and the Bank.  All significant intercompany transactions and accounts have been eliminated in consolidation.
	Certain information and note disclosures normally included in the Company’s annual financial statements prepared in accordance with U.S. generally accepted accounting principles have been condensed or omitted.  These consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company’s 2012 Annual Report on Form 10-K filed with the Securities and Exchange Commission.
	The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the financial statements and the reported amounts of revenues and expenses during the reporting period.  Estimates used in the preparation of the financial statements are based on various factors including the current interest rate environment and the general strength of the local economy.  Changes in the overall interest rate environment can significantly affect the Company’s net interest income and the value of its recorded assets and liabilities.  Actual results could differ from those estimates used in the preparation of the financial statements.
	In the opinion of management, all adjustments considered necessary for a fair presentation have been reflected in the accompanying unaudited financial statements.  Those adjustments consist only of normal recurring adjustments. Results of interim periods are not necessarily indicative of results to be expected for the full year.  The consolidated balance sheet of the Company as of December 31, 2012 has been derived from the audited consolidated balance sheet of the Company as of that date.
Reclassifications	'
	Reclassifications
	Certain reclassifications have been made to the consolidated financial statements of prior periods to conform to the current period presentation.  These reclassifications do not affect net income or total stockholders’ equity as previously reported.

AvailableForSale_Securities_Ta

Available-For-Sale Securities (Tables)	9 Months Ended
	Sep. 30, 2013
Available-For-Sale Securities	'
Summary of the amortized cost and fair value of the available for sale investment securities portfolio	'
		(Dollars in Thousands)
		Amortized		Gross			Gross			Fair
		Cost		Unrealized			Unrealized			Value
				Gains			Losses
	September 30, 2013
	U. S. government agencies and government sponsored entities	$	6,005	$	—		$	(150	)	$	5,855
	State and municipal	19,910		632			(249		)	20,293
	Agency mortgage-backed securities: residential	21,701		315			(113		)	21,903
	Trust preferred security	1,871		—			(471		)	1,400
	Corporate Bonds	1,000		—			(10		)	990
	Total investment securities	$	50,487	$	947		$	(993	)	$	50,441
	December 31, 2012
	U. S. government agencies and government sponsored entities	$	7,018	$	7		$	(21	)	$	7,004
	State and municipal	19,541		1,366			(31		)	20,876
	Agency mortgage-backed securities: residential	17,082		477			—			17,559
	Trust preferred security	1,867		—			(667		)	1,200
	Total investment securities	$	45,508	$	1,850		$	(719	)	$	46,639
Summary of the amortized cost and fair value of investment securities by contractual maturity	'
		September 30, 2013
		(Dollars in Thousands)
		Available-For-Sale
		Amortized Cost		Fair Value
	Due in one year or less	256		260
	Due from one to five years	5,902		5,986
	Due from five to ten years	13,641		13,746
	Due after ten years	8,987		8,546
	Agency mortgage-backed: residential	21,701		21,903
	Total	$	50,487	$	50,441
Summary of the investment securities with unrealized losses aggregated by investment category and length of time that individual securities have been in continuous unrealized loss position	'
		(Dollars in Thousands)
		Less than 12 Months					12 Months or More						Total
	Description of	Fair Value		Unrealized			Fair Value			Unrealized			Fair Value		Unrealized
	Securities			Losses						Losses					Losses
	September 30, 2013:
	U.S. government agencies and government sponsored entities	$	5,855	$	(150	)	$	—		$	—		$	5,855	$	(150	)
	State and municipal	3,657		(249		)	—			—			3,657		(249		)
	Agency mortgage-backed: residential	4,469		(113		)	—			—			4,469		(113		)
	Trust preferred security	—		—			1,400			(471		)	1,400		(471		)
	Corporate bonds	990		(10		)	—			—			990		(10		)
	Total temporarily impaired	$	14,971	$	(522	)	$	1,400		$	(471	)	$	16,371	$	(993	)
		(Dollars in Thousands)
		Less than 12 Months					12 Months or More						Total
	Description of	Fair Value		Unrealized			Fair Value			Unrealized			Fair Value		Unrealized
	Securities			Losses						Losses					Losses
	December 31, 2012:
	U.S. government agencies and government sponsored entities	$	3,985	$	(21	)	$	—		$	—		$	3,985	$	(21	)
	State and municipal	1,131		(31		)	—			—			1,131		(31		)
	Trust preferred security	—		—			1,200			(667		)	1,200		(667		)
	Total temporarily impaired	$	5,116	$	(52	)	$	1,200		$	(667	)	$	6,316	$	(719	)

Loans_and_Allowance_for_Loan_L1

Loans and Allowance for Loan Losses (Tables)	9 Months Ended
	Sep. 30, 2013
Loans and Allowance for Loan Losses	'
Schedule of categories of loans	'
		(Dollars in Thousands)
		September			December
		30,			31,
		2013			2012
	Commercial	$	46,781		$	49,535
	Commercial real estate:
	Construction	12,861			8,094
	Other	160,209			156,553
	Residential real estate	75,055			77,356
	Consumer:
	Auto	2,854			3,350
	Other	3,616			3,866
	Total loans	301,376			298,754
	Less allowance for loan losses	(4,820		)	(5,721		)
	Net loans	$	296,556		$	293,033
Schedule of activity in the allowance for loan losses	'
	The following table sets forth an analysis of our allowance for loan losses for the three months ending September 30, 2013 and 2012.
		(Dollars In Thousands)
		Commercial			Commercial			Residential			Consumer			Unallocated			Total
					Real Estate			Real Estate
	September 30, 2013 Allowance for loan losses:
	Beginning balance	$	1,922		$	3,271		$	521		$	73		$	277		$	6,064
	Provision for loan losses	(286		)	967			53			16			150			900
	Loans charged-off	—			(2,169		)	(21		)	(8		)	—			(2,198		)
	Recoveries	15			32			5			2			—			54
	Total ending allowance balance	$	1,651		$	2,101		$	558		$	83		$	427		$	4,820
		(Dollars In Thousands)
		Commercial			Commercial			Residential			Consumer			Unallocated			Total
					Real Estate			Real Estate
	September  30, 2012 Allowance for loan losses:
	Beginning balance	$	2,055		$	2,737		$	805		$	70		$	232		$	5,899
	Provision for loan losses	17			384			(122		)	(4		)	25			300
	Loans charged-off	(190		)	(15		)	(37		)	(1		)	—			(243		)
	Recoveries	5			—			5			2			—			12
	Total ending allowance balance	$	1,887		$	3,106		$	651		$	67		$	257		$	5,968
	The following table sets forth an analysis of our allowance for loan losses for the nine months ending September 30, 2013 and 2012.
		(Dollars In Thousands)
		Commercial			Commercial			Residential			Consumer			Unallocated			Total
					Real Estate			Real Estate
	September 30, 2013 Allowance for loan losses:
	Beginning balance	$	2,156		$	2,635		$	589		$	90		$	251		$	5,721
	Provision for loan losses	460			1,558			(7		)	13			176			2,200
	Loans charged-off	(987		)	(2,183		)	(40		)	(24		)	—			(3,234		)
	Recoveries	22			91			16			4			—			133
	Total ending allowance balance	$	1,651		$	2,101		$	558		$	83		$	427		$	4,820
		(Dollars In Thousands)
		Commercial			Commercial			Residential			Consumer			Unallocated			Total
					Real Estate			Real Estate
	September  30, 2012 Allowance for loan losses:
	Beginning balance	$	2,667		$	1,986		$	858		$	81		$	273		$	5,865
	Provision for loan losses	(295		)	1,219			219			(7		)	(16		)	1,120
	Loans charged-off	(490		)	(100		)	(445		)	(14		)	—			(1,049		)
	Recoveries	5			1			19			7			—			32
	Total ending allowance balance	$	1,887		$	3,106		$	651		$	67		$	257		$	5,968
Schedule of balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on the impairment method	'
		(Dollars In Thousands)
		Commercial			Commercial			Residential			Consumer			Unallocated			Total
					Real Estate			Real Estate
	September 30, 2013
	Allowance for loan losses:
	Ending allowance balance attributable to loans:
	Individually evaluated for impairment	$	1,083		$	334		$	151		$	38		$	—		$	1,606
	Collectively evaluated	568			1,767			407			45			427			3,214
	Total ending allowance balance	$	1,651		$	2,101		$	558		$	83		$	427		$	4,820
	Loans:
	Individually evaluated for impairment	$	4,589		$	6,143		$	841		$	38		$	—		$	11,611
	Collectively evaluated	42,191			166,927			74,214			6,433			—			289,765
	Total ending loans balance	$	46,781		$	173,070		$	75,055		$	6,470		$	—		$	301,376
		(Dollars In Thousands)
		Commercial			Commercial			Residential			Consumer			Unallocated			Total
					Real Estate			Real Estate
	December 31, 2012
	Allowance for loan losses:
	Ending allowance balance attributable to loans:
	Individually evaluated for impairment	$	1,643		$	1,761		$	19		$	28		$	—		$	3,451
	Collectively evaluated	513			874			570			62			251			2,270
	Total ending allowance balance	$	2,156		$	2,635		$	589		$	90		$	251		$	5,721
	Loans:
	Individually evaluated for impairment	$	5,726		$	6,900		$	245		$	34		$	—		$	12,905
	Collectively evaluated	43,809			157,747			77,111			7,182			—			285,849
	Total ending loans balance	$	49,535		$	164,647		$	77,356		$	7,216		$	—		$	298,754
Schedule of impaired loans by class of loans	'
		(Dollars in Thousands)									(Dollars in Thousands)
		September 30, 2013									December 31, 2012
		Unpaid			Recorded			Allowance			Unpaid			Recorded			Allowance
		Principal			Investment			for Loan			Principal			Investment			for Loan
		Balance						Losses			Balance						Losses
								Allocated									Allocated
	With no related allowance recorded:
	Commercial	$	3,316		$	3,316		$	—		$	3,699		$	3,699		$	—
	Commercial real estate:
	Construction	—			—			—			—			—			—
	Other	6,688			4,598			—			206			206			—
	Residential real estate	96			96			—			242			225			—
	Consumer:
	Auto	—			—			—			4			4			—
	Other	—			—			—			2			2			—
	Subtotal	10,100			8,010			—			4,153			4,136			—
	With an allowance recorded:
	Commercial	1,273			1,273			1,083			2,026			2,026			1,643
	Commercial real estate:
	Construction	—			—			—			—			—			—
	Other	1,545			1,545			334			6,695			6,695			1,761
	Residential real estate	745			745			151			20			20			19
	Consumer:
	Auto	23			23			23			28			28			28
	Other	15			15			15			—			—			—
	Subtotal	3,601			3,601			1,606			8,769			8,769			3,451
	Total	$	13,701		$	11,611		$	1,606		$	12,922		$	12,905		$	3,451
	Information on impaired loans for the three months ending September 30, 2013 and 2012 is as follows:
		(Dollars in Thousands)									(Dollars in Thousands)
		September 30, 2013									September 30, 2012
		Average			Interest			Cash Basis			Average			Interest			Cash Basis
		Recorded			Income			Interest			Recorded			Income			Interest
		Investment			Recognized			Recognized			Investment			Recognized			Recognized
	Commercial	$	5,283		67			36			$	4,039		58			34
	Commercial real estate:
	Construction	—			—			—			—			—			—
	Other	6,750			163			39			7,759			128			70
	Residential real estate	826			17			12			636			9			3
	Consumer:
	Auto	23			—			—			19			—			—
	Other	9			—			—			2			—			—
	Total	$	12,891		$	247		$	87		$	12,455		$	195		$	107
	Information on impaired loans for the nine months ending September 30, 2013 and 2012 is as follows:
		(Dollars in Thousands)									(Dollars in Thousands)
		September 30, 2013									September 30, 2012
		Average			Interest			Cash Basis			Average			Interest			Cash Basis
		Recorded			Income			Interest			Recorded			Income			Interest
		Investment			Recognized			Recognized			Investment			Recognized			Recognized
	Commercial	$	5,158		$	207		$	130		$	4,048		$	111		$	42
	Commercial real estate:
	Construction	—			—			—			—			—			—
	Other	6,522			371			83			5,910			330			250
	Residential real estate	548			28			19			781			23			8
	Consumer:
	Auto	27			1			—			12			1			—
	Other	9			—			—			1			—			—
	Total	$	12,264		$	607		$	232		$	10,752		$	465		$	300
Schedule of recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans	'
		(Dollars in Thousands)						(Dollars in Thousands)
		As of September 30, 2013						As of December 31, 2012
		Loans Past Due			Nonaccrual			Loans Past Due			Nonaccrual
		Over 90 Days and						Over 90 Days and
		Still Accruing						Still Accruing
	Commercial	$	—		$	683		$	—		$	1,791
	Commercial real estate:
	Construction	—			—			—			—
	Other	—			4,580			—			4,072
	Residential real estate	19			540			—			245
	Consumer:
	Auto	—			22			—			32
	Other	—			—			—			2
	Total	$	19		$	5,825		$	—		$	6,142
Schedule of aging of the recorded investment in past due loans by class of loans	'
		(Dollars In Thousands)
		30-59			60-89			Over 90			Total			Loans Not			Total
		Days			Days			Days			Past Due			Past Due
		Past Due			Past Due			Past Due
	September 30, 2013
	Commercial	$	100		$	30		$	13		$	143		$	46,638		$	46,781
	Commercial real estate:
	Construction	—			—			—			—			12,861			12,861
	Other	—			303			4,134			4,437			155,772			160,209
	Residential real estate	343			33			419			795			74,260			75,055
	Consumer:
	Auto	—			—			—			—			2,854			2,854
	Other	—			1			—			1			3,615			3,616
	Total	$	443		$	367		$	4,566		$	5,376		$	296,000		$	301,376
		(Dollars In Thousands)
		30-59			60-89			Over 90			Total			Loans Not			Total
		Days			Days			Days			Past Due			Past Due
		Past Due			Past Due			Past Due
	December 31, 2012
	Commercial	$	540		$	5		$	8		$	553		$	48,982		$	49,535
	Commercial real estate:
	Construction	—			—			—			—			8,094			8,094
	Other	2,042			3,807			75			5,924			150,629			156,553
	Residential real estate	235			—			86			321			77,035			77,356
	Consumer:
	Auto	8			2			16			26			3,324			3,350
	Other	1			—			2			3			3,863			3,866
	Total	$	2,826		$	3,814		$	187		$	6,827		$	291,927		$	298,754
Schedule of loans by class modified as troubled debt restructurings	'
	The following table presents loans by class modified as troubled debt restructurings outstanding as of September 30, 2013:
				(Dollars in thousands)
		Number of		Pre-Modification			Post-Modification
		Loans		Outstanding			Outstanding Recorded
				Recorded			Investment
				Investment
	Troubled Debt Restructurings:
	Commercial	11		$	5,558		$	5,908
	Commercial real estate:
	Other	6		3,665			3,667
	Residential real estate	3		192			206
	Consumer	1		16			15
	Total	21		$	9,431		$	9,796
	The following table presents loans by class modified as troubled debt restructurings outstanding as of December 31, 2012:
				(Dollars in thousands)
		Number of		Pre-Modification			Post-Modification
		Loans		Outstanding			Outstanding Recorded
				Recorded			Investment
				Investment
	Troubled Debt Restructurings:
	Commercial	7		$	4,613		$	4,613
	Commercial real estate:
	Other	3		1,067			1,070
	Residential real estate	1		11			12
	Total	11		$	5,691		$	5,695
	The following table presents loans by class modified as troubled debt restructurings that occurred during the quarter ending September 30, 2013:
				(Dollars in thousands)
		Number of		Pre-Modification			Post-Modification
		Loans		Outstanding			Outstanding Recorded
				Recorded			Investment
				Investment
	Troubled Debt Restructurings:
	Commercial	5		$	1,922		$	2,272
	Commercial real estate:
	Other	1		604			604
	Residential real estate	1		71			72
	Consumer	1		16			15
	Total	8		$	2,613		$	2,963
	The following table presents loans by class modified as troubled debt restructurings that occurred during the quarter ending September 30, 2012:
				(Dollars in thousands)
		Number of		Pre-Modification			Post-Modification
		Loans		Outstanding			Outstanding Recorded
				Recorded			Investment
				Investment
	Troubled Debt Restructurings:
	Commercial real estate:
	Other	1		$	952		$	952
	Total	1		$	952		$	952
	The following table presents loans by class modified as troubled debt restructurings that occurred during the nine months ending September 30, 2013:
				(Dollars in thousands)
		Number of		Pre-Modification		Post-Modification
		Loans		Outstanding		Outstanding Recorded
				Recorded		Investment
				Investment
	Troubled Debt Restructurings:
	Commercial	8		2,069		2,419
	Commercial real estate:
	Other	1		604		604
	Residential real estate	2		181		194
	Consumer	1		16		15
	Total	12		2,870		3,232
	The following table presents loans by class modified as troubled debt restructurings that occurred during the nine months ending September 30, 2012:
				(Dollars in thousands)
	Number of		Pre-Modification			Post-Modification
	Loans		Outstanding			Outstanding Recorded
			Recorded			Investment
			Investment
Troubled Debt Restructurings:
Commercial	5		$	3,147		$	3,147
Commercial real estate:
Other	2		974			977
Total	7		$	4,121		$	4,124
Schedule of risk category of loans by class of loans based on the most recent analyses performed	'
		Pass			Special			Substandard			Doubtful			Total
					Mention
	September 30, 2013
	Commercial	$	40,963		$	1,016		$	4,802		—			$	46,781
	Commercial real estate:
	Construction	12,861			—			—			—			12,861
	Other	147,693			—			12,516			—			160,209
	Residential real estate	74,094			—			961			—			75,055
	Consumer
	Auto	2,854			—			—			—			2,854
	Other	3,616			—			—			—			3,616
	Total	$	282,081		$	1,016		$	18,279		$	—		$	301,376
		Pass			Special			Substandard			Doubtful			Total
					Mention
	December 31, 2012
	Commercial	$	41,852		$	99		$	7,584		$	—		$	49,535
	Commercial real estate:
	Construction	8,094			—			—			—			8,094
	Other	145,087			520			10,933			13			156,553
	Residential real estate	76,704			—			641			11			77,356
	Consumer:
	Auto	3,346			—			4			—			3,350
	Other	3,864			—			2			—			3,866
	Total	$	278,947		$	619		$	19,164		$	24		$	298,754

Fair_Value_Measurements_Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2013
Fair Value Measurements	'
Schedule of assets measured at fair value on a recurring basis	'
		Fair Value Measurements at September 30, 2013
		(Dollars in Thousands)
		Quoted Prices		Significant Other			Significant
		in Active		Observable Inputs			Unobservable Inputs
		Markets for		(Level 2)			(Level 3)
		Identical Assets
		(Level 1)
	Assets:
	Securities available-for-sale
	U. S. government agencies and government sponsored entities			$	5,855
	State and municipal			20,293
	Agency mortgage-backed securities -residential			21,903
	Trust preferred security			1,400
	Corporate bonds			990
	Total investment securities	—		$	50,441		—
		Fair Value Measurements at December 31, 2012
		(Dollars in Thousands)
		Quoted Prices		Significant Other			Significant
		in Active		Observable Inputs			Unobservable Inputs
		Markets for		(Level 2)			(Level 3)
		Identical Assets
		(Level 1)
	Assets:
	Securities available-for-sale
	U. S. government agencies and government sponsored entities			$	7,004
	State and municipal			20,876
	Agency mortgage-backed securities -residential			17,559
	Trust preferred security			1,200
	Total investment securities	—		$	46,639		—
Schedule of financial assets measured at fair value on a non-recurring basis	'
	Fair Value Measurements at September 30, 2013
	(Dollars in Thousands)
		Significant
		Unobservable Inputs
		(Level 3)
	Impaired loans:
	Commercial	$	190
	Commercial RE	1,211
	Residential	594
	Other real estate owned:
	Commercial RE	$	337
	Residential	210
	Fair Value Measurements at December 31, 2012
	(Dollars in Thousands)
		Significant
		Unobservable Inputs
		(Level 3)
	Impaired loans:
	Commercial	$	383
	Commercial RE	4,934
	Residential	1
	Other real estate owned:
	Residential	$	191
Schedule of quantitative and qualitative information about Level 3 fair value measurements for financial instruments measured on a non-recurring basis	'
		September			Valuation Techniques		Unobservable Inputs (Dollars in		Range
		30, 2013					thousands)		(Weighted Avg)
	Impaired loans:
	Commercial	$	190		Market Approach		Discounts to allow for market value of assets		0%-66.72% (41.92%)
	Commercial RE	1,211			Sales Comparison		Adjustments for limited use nature of certain properties, age of appraisal, location, and/or condition		-20.00%
	Residential	594		Sales Comparison		Adjustments for limited use nature of certain properties, age of appraisal, location, and/or condition		0%-15% (12.18%)
	Other real estate owned:
	Commercial RE	337		Sales Comparison		Adjustments for limited use nature of certain properties, age of appraisal, location, and/or condition		21%-49% (45.16%)
	Residential	210		Sales Comparison		Adjustments for limited use nature of certain properties, age of appraisal, location, and/or condition		6%-17.4% (11.16%)
		December		Valuation Techniques		Unobservable Inputs (Dollars in		Range
		312,012				thousands)		(Weighted Avg)
	Impaired loans:
	Commercial	$383		Market Approach		Discounts to allow for market value of assets		0%-50% (40.22%)
	Commercial RE	4,934		Sales Comparison		Adjustments for limited use nature of certain properties, age of appraisal, location, and/or condition		20%-38.97% (32.60%)
	Residential	1		Sales Comparison		Adjustments for limited use nature of certain properties, age of appraisal, location, and/or condition		0%-15% (15%)
	Other real estate owned:
	Residential	191		Sales Comparison		Adjustments for limited use nature of certain properties, age of appraisal, location, and/or condition		6%-15% (9.39%)
Schedule of carrying amount and estimated fair values of financial instruments	'
		Carrying			Fair Value Measurements at
					September 30, 2013
		Amount			Level 1			Level 2		Level 3	Total
	Financial Assets
	Cash and cash equivalents	$	32,527		$	32,527					$	32,527
	Loans held for sale	115						118			118
	Loans, net of allowance	294,561								299,373	299,373
	Accrued interest receivable	1,648						261		1,387	1,648
	Federal Home Loan Bank stock	2,025									N/A
	Financial Liabilities
	Demand and savings deposits	$	161,211		$	133,267					$	133,267
	Time deposits	176,422						177,102			177,102
	FHLB advances and other borrowings	28,000						27,811			27,811
	Subordinate debentures	5,000								2,392	2,392
	Accrued interest payable	270			12			258			270
		Carrying			Fair Value Measurements at
					December 31, 2012
		Amount			Level 1			Level 2		Level 3	Total
	Financial Assets
	Cash and cash equivalents	$	34,799		$	34,799					$	34,799
	Loans held for sale	61						62			62
	Loans, net of allowance	287,715								290,865	290,865
	Accrued interest receivable	1,660						273		1,387	1,660
	Federal Home Loan Bank stock	2,025									N/A
	Financial Liabilities
	Demand and savings deposits	$	152,919		$	152,932					$	152,932
	Time deposits	178,814						179,001			179,001
	FHLB advances	26,000						26,350			26,350
	Subordinate debentures	5,000								2,392	2,392
	Accrued interest payable	238			10			228			238
	The methods and assumptions used to estimate fair value are described as follows:
	(a)         Cash and Cash Equivalents: The carrying amounts of cash and short-term instruments approximate fair values and are classified as Level 1.
	(b)         FHLB Stock: It is not practical to determine the fair value of FHLB stock due to restrictions placed on its transferability.
	(c)          Loans: Fair values of loans, excluding loans held for sale, are estimated as follows: For variable rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values resulting in a Level 3 classification. Fair values for other loans are estimated using discounted cash flow analyses, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality resulting in a Level 3 classification. Impaired loans are valued at the lower of cost or fair value as described previously. The methods utilized to estimate the fair value of loans do not necessarily represent an exit price. The fair value of loans held for sale is estimated based upon binding contracts and quotes from third party investors resulting in a Level 2 classification.
	(d)         Deposits: The fair values disclosed for demand deposits (e.g., interest and non-interest checking, passbook savings, and certain types of money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amount) resulting in a Level 1 classification. The carrying amounts of variable rate money market accounts and certificates of deposit approximate their fair values at the reporting date resulting in a Level 2 classification. Fair values for fixed rate certificates of deposit are estimated using a discounted cash flows calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits resulting in a Level 2 classification.
	(e)          FHLB Advances/ Subordinated Debentures: The fair values of the Company’s long-term borrowings are estimated using discounted cash flow analyses based on the current borrowing rates for similar types of borrowing arrangements resulting in a Level 2 classification. The fair values of the Company’s Subordinated Debentures are estimated using discounted cash flow analyses based on the current borrowing rates for similar types of borrowing arrangements resulting in a Level 3 classification.
	(f)           Accrued Interest Receivable/Payable: The carrying amounts of accrued interest approximate fair value resulting in a Level 1 or Level 2 classification consistent with the asset/liability they are associated with.

Earnings_Per_Share_Tables

Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2013
Earnings Per Share	'
Schedule of reconciliation of basic and diluted earnings per share computations	'
		Quarter ended September 30,						Quarter ended September 30,
		2013						2012
		Income			Weighted	Per Share		Income/			Weighted-	Per Share
					Average	Amount		(Loss)			Average	Amount
					Shares						Shares
	Basic earnings per share:
	Net income	$	233					$	941
	Less: Dividends and accretion on preferred stock	(178		)				(225		)
	Net income (loss) available to common shareholders	$	55		1,968,777	$	0.03	$	716		1,968,777	$	0.36
	Effect of dilutive securities
	Convertible preferred stock	—			—			—			—
	Stock options	—			—			—			—
	Warrants	—			110,143			—			99,112
	Diluted earnings per share
	Net income (loss) available to common shareholders and assumed conversions	$	55		2,078,920	$	0.02	$	716		2,067,889	$	0.35
		Nine months ended September						Nine months ended September
		30, 2013						30, 2012
		Income			Weighted	Per Share		Income/			Weighted-	Per Share
					Average	Amount		(Loss)			Average	Amount
					Shares						Shares
	Basic earnings per share
	Net income	$	1,136					$	2,476
	Less: Dividends and accretion on preferred stock	(571		)				(672		)
	Net income/(loss) available to common shareholders	$	565		1,968,777	$	0.29	$	1,804		1,968,777	$	0.92
	Effect of dilutive securities
	Convertible preferred stock	—			—			—			—
	Stock options	—			—			—			—
	Warrants	—			109,509			—			88,159
	Diluted earnings per share
	Net income/(loss) available to common shareholders and assumed conversions	$	565		2,078,286	$	0.27	$	1,804		2,056,936	$	0.88

AvailableForSale_Securities_De

Available-For-Sale Securities (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Amortized cost and fair value of the available for sale investment securities portfolio	'	'
Amortized Cost	$50,487	$45,508
Gross Unrealized Gains	947	1,850
Gross Unrealized Losses	-993	-719
Fair Value	50,441	46,639
U. S. government agencies and government sponsored entities	'	'
Amortized cost and fair value of the available for sale investment securities portfolio	'	'
Amortized Cost	6,005	7,018
Gross Unrealized Gains	'	7
Gross Unrealized Losses	-150	-21
Fair Value	5,855	7,004
State and municipal	'	'
Amortized cost and fair value of the available for sale investment securities portfolio	'	'
Amortized Cost	19,910	19,541
Gross Unrealized Gains	632	1,366
Gross Unrealized Losses	-249	-31
Fair Value	20,293	20,876
Agency mortgage-backed: residential	'	'
Amortized cost and fair value of the available for sale investment securities portfolio	'	'
Amortized Cost	21,701	17,082
Gross Unrealized Gains	315	477
Gross Unrealized Losses	-113	'
Fair Value	21,903	17,559
Trust preferred security	'	'
Amortized cost and fair value of the available for sale investment securities portfolio	'	'
Amortized Cost	1,871	1,867
Gross Unrealized Losses	-471	-667
Fair Value	1,400	1,200
Corporate Bonds	'	'
Amortized cost and fair value of the available for sale investment securities portfolio	'	'
Amortized Cost	1,000	'
Gross Unrealized Losses	-10	'
Fair Value	$990	'

AvailableForSale_Securities_De1

Available-For-Sale Securities (Details 2) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Amortized Cost	'	'
Due in one year or less	$256	'
Due from one to five years	5,902	'
Due from five to ten years	13,641	'
Due after ten years	8,987	'
Agency mortgage-backed: residential	21,701	'
Total	50,487	'
Fair Value	'	'
Due in one year or less	260	'
Due from one to five years	5,986	'
Due from five to ten years	13,746	'
Due after ten years	8,546	'
Agency mortgage-backed: residential	21,903	'
Fair Value	$50,441	$46,639

AvailableForSale_Securities_De2

Available-For-Sale Securities (Details 3) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
	item
Investment securities with unrealized losses	'	'
Fair Value, Less than 12 Months	$14,971	$5,116
Unrealized Losses, Less than 12 Months	-522	-52
Fair Value, 12 Months or More	1,400	1,200
Unrealized Losses, 12 Months or More	-471	-667
Fair Value, Total	16,371	6,316
Unrealized Losses, Total	-993	-719
Number of available-for-sale securities in an unrealized loss position	21	'
Number of adverse conditions identified, related to repayment of securities that are not rated	0	'
Impairment charge on available for sale securities	0	'
Loss of principal anticipated	0	'
Loss of interest anticipated	0	'
U. S. government agencies and government sponsored entities	'	'
Investment securities with unrealized losses	'	'
Fair Value, Less than 12 Months	5,855	3,985
Unrealized Losses, Less than 12 Months	-150	-21
Fair Value, Total	5,855	3,985
Unrealized Losses, Total	-150	-21
State and municipal	'	'
Investment securities with unrealized losses	'	'
Fair Value, Less than 12 Months	3,657	1,131
Unrealized Losses, Less than 12 Months	-249	-31
Fair Value, Total	3,657	1,131
Unrealized Losses, Total	-249	-31
Trust preferred security	'	'
Investment securities with unrealized losses	'	'
Fair Value, 12 Months or More	1,400	1,200
Unrealized Losses, 12 Months or More	-471	-667
Fair Value, Total	1,400	1,200
Unrealized Losses, Total	-471	-667
Agency mortgage-backed: residential	'	'
Investment securities with unrealized losses	'	'
Fair Value, Less than 12 Months	4,469	'
Unrealized Losses, Less than 12 Months	-113	'
Fair Value, Total	4,469	'
Unrealized Losses, Total	-113	'
Corporate Bonds	'	'
Investment securities with unrealized losses	'	'
Fair Value, Less than 12 Months	990	'
Unrealized Losses, Less than 12 Months	-10	'
Fair Value, Total	990	'
Unrealized Losses, Total	($10)	'

Loans_and_Allowance_for_Loan_L2

Loans and Allowance for Loan Losses (Details) (USD $)	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified
Categories of loans	'	'	'	'	'	'
Total loans	$301,376	'	$298,754	'	'	'
Less allowance for loan losses	-4,820	-6,064	-5,721	-5,968	-5,899	-5,865
Net loans	296,556	'	293,033	'	'	'
Commercial	'	'	'	'	'	'
Categories of loans	'	'	'	'	'	'
Total loans	46,781	'	49,535	'	'	'
Less allowance for loan losses	-1,651	-1,922	-2,156	-1,887	-2,055	-2,667
Commercial real estate: Construction	'	'	'	'	'	'
Categories of loans	'	'	'	'	'	'
Total loans	12,861	'	8,094	'	'	'
Commercial real estate: Other	'	'	'	'	'	'
Categories of loans	'	'	'	'	'	'
Total loans	160,209	'	156,553	'	'	'
Residential real estate	'	'	'	'	'	'
Categories of loans	'	'	'	'	'	'
Total loans	75,055	'	77,356	'	'	'
Less allowance for loan losses	-558	-521	-589	-651	-805	-858
Consumer: Auto	'	'	'	'	'	'
Categories of loans	'	'	'	'	'	'
Total loans	2,854	'	3,350	'	'	'
Consumer: Other	'	'	'	'	'	'
Categories of loans	'	'	'	'	'	'
Total loans	$3,616	'	$3,866	'	'	'

Loans_and_Allowance_for_Loan_L3

Loans and Allowance for Loan Losses (Details 2) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Allowance for loan losses:	'	'	'	'	'
Beginning balance	$6,064	$5,899	$5,721	$5,865	'
Provision for loan losses	900	300	2,200	1,120	'
Loans charged-off	-2,198	-243	-3,234	-1,049	'
Recoveries	54	12	133	32	'
Total ending allowance balance	4,820	5,968	4,820	5,968	'
Accrued interest receivable	1,648	'	1,648	'	1,660
Net deferred loan fees	258	'	258	'	168
Allowance for loan losses, Ending allowance balance attributable to loans:	'	'	'	'	'
Individually evaluated for impairment	1,606	'	1,606	'	3,451
Collectively evaluated	3,214	'	3,214	'	2,270
Total ending allowance balance	4,820	5,968	4,820	5,968	'
Loans:	'	'	'	'	'
Individually evaluated for impairment	11,611	'	11,611	'	12,905
Collectively evaluated	289,765	'	289,765	'	285,849
Total Loans	301,376	'	301,376	'	298,754
Commercial	'	'	'	'	'
Allowance for loan losses:	'	'	'	'	'
Beginning balance	1,922	2,055	2,156	2,667	'
Provision for loan losses	-286	17	460	-295	'
Loans charged-off	'	-190	-987	-490	'
Recoveries	15	5	22	5	'
Total ending allowance balance	1,651	1,887	1,651	1,887	'
Allowance for loan losses, Ending allowance balance attributable to loans:	'	'	'	'	'
Individually evaluated for impairment	1,083	'	1,083	'	1,643
Collectively evaluated	568	'	568	'	513
Total ending allowance balance	1,651	1,887	1,651	1,887	'
Loans:	'	'	'	'	'
Individually evaluated for impairment	4,589	'	4,589	'	5,726
Collectively evaluated	42,191	'	42,191	'	43,809
Total Loans	46,781	'	46,781	'	49,535
Commercial Real estate	'	'	'	'	'
Allowance for loan losses:	'	'	'	'	'
Beginning balance	3,271	2,737	2,635	1,986	'
Provision for loan losses	967	384	1,558	1,219	'
Loans charged-off	-2,169	-15	-2,183	-100	'
Recoveries	32	'	91	1	'
Total ending allowance balance	2,101	3,106	2,101	3,106	'
Allowance for loan losses, Ending allowance balance attributable to loans:	'	'	'	'	'
Individually evaluated for impairment	334	'	334	'	1,761
Collectively evaluated	1,767	'	1,767	'	874
Total ending allowance balance	2,101	3,106	2,101	3,106	'
Loans:	'	'	'	'	'
Individually evaluated for impairment	6,143	'	6,143	'	6,900
Collectively evaluated	166,927	'	166,927	'	157,747
Total Loans	173,070	'	173,070	'	164,647
Residential Real Estate	'	'	'	'	'
Allowance for loan losses:	'	'	'	'	'
Beginning balance	521	805	589	858	'
Provision for loan losses	53	-122	-7	219	'
Loans charged-off	-21	-37	-40	-445	'
Recoveries	5	5	16	19	'
Total ending allowance balance	558	651	558	651	'
Allowance for loan losses, Ending allowance balance attributable to loans:	'	'	'	'	'
Individually evaluated for impairment	151	'	151	'	19
Collectively evaluated	407	'	407	'	570
Total ending allowance balance	558	651	558	651	'
Loans:	'	'	'	'	'
Individually evaluated for impairment	841	'	841	'	245
Collectively evaluated	74,214	'	74,214	'	77,111
Total Loans	75,055	'	75,055	'	77,356
Consumer	'	'	'	'	'
Allowance for loan losses:	'	'	'	'	'
Beginning balance	73	70	90	81	'
Provision for loan losses	16	-4	13	-7	'
Loans charged-off	-8	-1	-24	-14	'
Recoveries	2	2	4	7	'
Total ending allowance balance	83	67	83	67	'
Allowance for loan losses, Ending allowance balance attributable to loans:	'	'	'	'	'
Individually evaluated for impairment	38	'	38	'	28
Collectively evaluated	45	'	45	'	62
Total ending allowance balance	83	67	83	67	'
Loans:	'	'	'	'	'
Individually evaluated for impairment	38	'	38	'	34
Collectively evaluated	6,433	'	6,433	'	7,182
Total Loans	6,470	'	6,470	'	7,216
Unallocated	'	'	'	'	'
Allowance for loan losses:	'	'	'	'	'
Beginning balance	277	232	251	273	'
Provision for loan losses	150	25	176	-16	'
Total ending allowance balance	427	257	427	257	'
Allowance for loan losses, Ending allowance balance attributable to loans:	'	'	'	'	'
Collectively evaluated	427	'	427	'	251
Total ending allowance balance	$427	$257	$427	$257	'

Loans_and_Allowance_for_Loan_L4

Loans and Allowance for Loan Losses (Details 3) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Unpaid Principal Balance	'	'	'	'	'
With no related allowance recorded	$10,100	'	$10,100	'	$4,153
With an allowance recorded	3,601	'	3,601	'	8,769
Total	13,701	'	13,701	'	12,922
Recorded Investment	'	'	'	'	'
With no related allowance recorded	8,010	'	8,010	'	4,136
With an allowance recorded	3,601	'	3,601	'	8,769
Total	11,611	'	11,611	'	12,905
Allowance for Loan Losses Allocated	'	'	'	'	'
Total	1,606	'	1,606	'	3,451
Average Recorded Investment	'	'	'	'	'
Total	12,891	12,455	12,264	10,752	'
Interest Income Recognized	'	'	'	'	'
Total	247	195	607	465	'
Cash Basis Interest Recognized	'	'	'	'	'
Total	87	107	232	300	'
Commercial	'	'	'	'	'
Unpaid Principal Balance	'	'	'	'	'
With no related allowance recorded	3,316	'	3,316	'	3,699
With an allowance recorded	1,273	'	1,273	'	2,026
Recorded Investment	'	'	'	'	'
With no related allowance recorded	3,316	'	3,316	'	3,699
With an allowance recorded	1,273	'	1,273	'	2,026
Allowance for Loan Losses Allocated	'	'	'	'	'
Total	1,083	'	1,083	'	1,643
Average Recorded Investment	'	'	'	'	'
Total	5,283	4,039	5,158	4,048	'
Interest Income Recognized	'	'	'	'	'
Total	67	58	207	111	'
Cash Basis Interest Recognized	'	'	'	'	'
Total	36	34	130	42	'
Commercial real estate: Other	'	'	'	'	'
Unpaid Principal Balance	'	'	'	'	'
With no related allowance recorded	6,688	'	6,688	'	206
With an allowance recorded	1,545	'	1,545	'	6,695
Recorded Investment	'	'	'	'	'
With no related allowance recorded	4,598	'	4,598	'	206
With an allowance recorded	1,545	'	1,545	'	6,695
Allowance for Loan Losses Allocated	'	'	'	'	'
Total	334	'	334	'	1,761
Average Recorded Investment	'	'	'	'	'
Total	6,750	7,759	6,522	5,910	'
Interest Income Recognized	'	'	'	'	'
Total	163	128	371	330	'
Cash Basis Interest Recognized	'	'	'	'	'
Total	39	70	83	250	'
Residential real estate	'	'	'	'	'
Unpaid Principal Balance	'	'	'	'	'
With no related allowance recorded	96	'	96	'	242
With an allowance recorded	745	'	745	'	20
Recorded Investment	'	'	'	'	'
With no related allowance recorded	96	'	96	'	225
With an allowance recorded	745	'	745	'	20
Allowance for Loan Losses Allocated	'	'	'	'	'
Total	151	'	151	'	19
Average Recorded Investment	'	'	'	'	'
Total	826	636	548	781	'
Interest Income Recognized	'	'	'	'	'
Total	17	9	28	23	'
Cash Basis Interest Recognized	'	'	'	'	'
Total	12	3	19	8	'
Consumer: Auto	'	'	'	'	'
Unpaid Principal Balance	'	'	'	'	'
With no related allowance recorded	'	'	'	'	4
With an allowance recorded	23	'	23	'	28
Recorded Investment	'	'	'	'	'
With no related allowance recorded	'	'	'	'	4
With an allowance recorded	23	'	23	'	28
Allowance for Loan Losses Allocated	'	'	'	'	'
Total	23	'	23	'	28
Average Recorded Investment	'	'	'	'	'
Total	23	19	27	12	'
Interest Income Recognized	'	'	'	'	'
Total	'	'	1	1	'
Consumer: Other	'	'	'	'	'
Unpaid Principal Balance	'	'	'	'	'
With no related allowance recorded	'	'	'	'	2
With an allowance recorded	15	'	15	'	'
Recorded Investment	'	'	'	'	'
With no related allowance recorded	'	'	'	'	2
With an allowance recorded	15	'	15	'	'
Allowance for Loan Losses Allocated	'	'	'	'	'
Total	15	'	15	'	'
Average Recorded Investment	'	'	'	'	'
Total	$9	$2	$9	$1	'

Loans_and_Allowance_for_Loan_L5

Loans and Allowance for Loan Losses (Details 4) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Recorded investment in nonaccrual and loans past due over 90 days	'	'
Loans Past Due Over 90 Days and Still Accruing	$19	'
Nonaccrual	5,825	6,142
Commercial	'	'
Recorded investment in nonaccrual and loans past due over 90 days	'	'
Nonaccrual	683	1,791
Commercial real estate: Other	'	'
Recorded investment in nonaccrual and loans past due over 90 days	'	'
Nonaccrual	4,580	4,072
Residential real estate	'	'
Recorded investment in nonaccrual and loans past due over 90 days	'	'
Loans Past Due Over 90 Days and Still Accruing	19	'
Nonaccrual	540	245
Consumer: Auto	'	'
Recorded investment in nonaccrual and loans past due over 90 days	'	'
Nonaccrual	22	32
Consumer: Other	'	'
Recorded investment in nonaccrual and loans past due over 90 days	'	'
Nonaccrual	'	$2

Loans_and_Allowance_for_Loan_L6

Loans and Allowance for Loan Losses (Details 5) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Aging of the recorded investment in past due loans	'	'
30-59 Days Past Due	$443	$2,826
60-89 Days Past Due	367	3,814
Over 90 Days Past Due	4,566	187
Total Past Due	5,376	6,827
Loans Not Past Due	296,000	291,927
Total Loans	301,376	298,754
Commercial	'	'
Aging of the recorded investment in past due loans	'	'
30-59 Days Past Due	100	540
60-89 Days Past Due	30	5
Over 90 Days Past Due	13	8
Total Past Due	143	553
Loans Not Past Due	46,638	48,982
Total Loans	46,781	49,535
Commercial real estate: Construction	'	'
Aging of the recorded investment in past due loans	'	'
Loans Not Past Due	12,861	8,094
Total Loans	12,861	8,094
Commercial real estate: Other	'	'
Aging of the recorded investment in past due loans	'	'
30-59 Days Past Due	'	2,042
60-89 Days Past Due	303	3,807
Over 90 Days Past Due	4,134	75
Total Past Due	4,437	5,924
Loans Not Past Due	155,772	150,629
Total Loans	160,209	156,553
Residential real estate	'	'
Aging of the recorded investment in past due loans	'	'
30-59 Days Past Due	343	235
60-89 Days Past Due	33	'
Over 90 Days Past Due	419	86
Total Past Due	795	321
Loans Not Past Due	74,260	77,035
Total Loans	75,055	77,356
Consumer: Auto	'	'
Aging of the recorded investment in past due loans	'	'
30-59 Days Past Due	'	8
60-89 Days Past Due	'	2
Over 90 Days Past Due	'	16
Total Past Due	'	26
Loans Not Past Due	2,854	3,324
Total Loans	2,854	3,350
Consumer: Other	'	'
Aging of the recorded investment in past due loans	'	'
30-59 Days Past Due	'	1
60-89 Days Past Due	1	'
Over 90 Days Past Due	'	2
Total Past Due	1	3
Loans Not Past Due	3,615	3,863
Total Loans	$3,616	$3,866

Loans_and_Allowance_for_Loan_L7

Loans and Allowance for Loan Losses (Details 6) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
	item	item	item	item	item
Loans and Allowance for Loan Losses	'	'	'	'	'
Total troubled debt restructurings	$7,500,000	'	$7,500,000	'	$7,300,000
Commitments to lend additional amounts to customers with outstanding loans that are classified as troubled debt restructurings	0	'	0	'	0
Number of loans accruing that are classified as troubled debt restructurings	'	'	14	'	'
Loans accruing that are classified as troubled debt restructurings	5,500,000	'	5,500,000	'	'
Number of loans on nonaccrual status that are classified as troubled debt restructurings	'	'	7	'	'
Loans on nonaccrual status that are classified as troubled debt restructurings	2,000,000	'	2,000,000	'	'
Number of loans modified as troubled debt restructurings	4	'	7	'	'
Additional loan outstanding pre-modification	940,000	'	1,700,000	'	'
Number of loans further modified as troubled debt restructurings	4	'	5	'	'
Loan further modified outstanding pre-modification	2,000,000	'	1,200,000	'	'
Troubled Debt Restructurings	'	'	'	'	'
Number of Loans	21	'	21	'	11
Pre-Modification Outstanding Recorded Investment	9,431,000	'	9,431,000	'	5,691,000
Post-Modification Outstanding Recorded Investment	9,796,000	'	9,796,000	'	5,695,000
Number of Loans	8	1	12	7	'
Pre-Modification Outstanding Recorded Investment	2,613,000	952,000	2,870,000	4,121,000	'
Post-Modification Outstanding Recorded Investment	2,963,000	952,000	3,232,000	4,124,000	'
Specific allocations reported for the troubled debt restructurings	1,100,000	1,900,000	1,100,000	1,900,000	1,400,000
Number of payment defaults reported for troubled debt restructurings	0	0	0	0	'
Previously reported troubled debt restructuring partial charge off	576,000	'	'	'	'
Total recorded investment for loans modified (other than through troubled debt restructuring)	2,800,000	'	2,800,000	'	'
Commercial	'	'	'	'	'
Troubled Debt Restructurings	'	'	'	'	'
Number of Loans	11	'	11	'	7
Pre-Modification Outstanding Recorded Investment	5,558,000	'	5,558,000	'	4,613,000
Post-Modification Outstanding Recorded Investment	5,908,000	'	5,908,000	'	4,613,000
Number of Loans	5	'	8	5	'
Pre-Modification Outstanding Recorded Investment	1,922,000	'	2,069,000	3,147,000	'
Post-Modification Outstanding Recorded Investment	2,272,000	'	2,419,000	3,147,000	'
Commercial real estate: Other	'	'	'	'	'
Troubled Debt Restructurings	'	'	'	'	'
Number of Loans	6	'	6	'	3
Pre-Modification Outstanding Recorded Investment	3,665,000	'	3,665,000	'	1,067,000
Post-Modification Outstanding Recorded Investment	3,667,000	'	3,667,000	'	1,070,000
Number of Loans	1	1	1	2	'
Pre-Modification Outstanding Recorded Investment	604,000	952,000	604,000	974,000	'
Post-Modification Outstanding Recorded Investment	604,000	952,000	604,000	977,000	'
Residential real estate	'	'	'	'	'
Troubled Debt Restructurings	'	'	'	'	'
Number of Loans	3	'	3	'	1
Pre-Modification Outstanding Recorded Investment	192,000	'	192,000	'	11,000
Post-Modification Outstanding Recorded Investment	206,000	'	206,000	'	12,000
Number of Loans	1	'	2	'	'
Pre-Modification Outstanding Recorded Investment	71,000	'	181,000	'	'
Post-Modification Outstanding Recorded Investment	72,000	'	194,000	'	'
Consumer: Other	'	'	'	'	'
Troubled Debt Restructurings	'	'	'	'	'
Number of Loans	1	'	1	'	'
Pre-Modification Outstanding Recorded Investment	16,000	'	16,000	'	'
Post-Modification Outstanding Recorded Investment	15,000	'	15,000	'	'
Number of Loans	1	'	1	'	'
Pre-Modification Outstanding Recorded Investment	16,000	'	16,000	'	'
Post-Modification Outstanding Recorded Investment	$15,000	'	$15,000	'	'

Loans_and_Allowance_for_Loan_L8

Loans and Allowance for Loan Losses (Details 7) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Credit Quality Indicators	'	'
Total loans	$301,376	$298,754
Commercial and commercial real estate loans	'	'
Credit Quality Indicators	'	'
Minimum outstanding balance of loans to be reviewed on a monthly basis	25	'
Commercial	'	'
Credit Quality Indicators	'	'
Total loans	46,781	49,535
Commercial real estate: Construction	'	'
Credit Quality Indicators	'	'
Total loans	12,861	8,094
Commercial real estate: Other	'	'
Credit Quality Indicators	'	'
Total loans	160,209	156,553
Residential real estate	'	'
Credit Quality Indicators	'	'
Total loans	75,055	77,356
Consumer: Auto	'	'
Credit Quality Indicators	'	'
Total loans	2,854	3,350
Consumer: Other	'	'
Credit Quality Indicators	'	'
Total loans	3,616	3,866
Pass	'	'
Credit Quality Indicators	'	'
Total loans	282,081	278,947
Pass | Commercial	'	'
Credit Quality Indicators	'	'
Total loans	40,963	41,852
Pass | Commercial real estate: Construction	'	'
Credit Quality Indicators	'	'
Total loans	12,861	8,094
Pass | Commercial real estate: Other	'	'
Credit Quality Indicators	'	'
Total loans	147,693	145,087
Pass | Residential real estate	'	'
Credit Quality Indicators	'	'
Total loans	74,094	76,704
Pass | Consumer: Auto	'	'
Credit Quality Indicators	'	'
Total loans	2,854	3,346
Pass | Consumer: Other	'	'
Credit Quality Indicators	'	'
Total loans	3,616	3,864
Special Mention	'	'
Credit Quality Indicators	'	'
Total loans	1,016	619
Special Mention | Commercial	'	'
Credit Quality Indicators	'	'
Total loans	1,016	99
Special Mention | Commercial real estate: Other	'	'
Credit Quality Indicators	'	'
Total loans	'	520
Substandard	'	'
Credit Quality Indicators	'	'
Total loans	18,279	19,164
Substandard | Commercial	'	'
Credit Quality Indicators	'	'
Total loans	4,802	7,584
Substandard | Commercial real estate: Other	'	'
Credit Quality Indicators	'	'
Total loans	12,516	10,933
Substandard | Residential real estate	'	'
Credit Quality Indicators	'	'
Total loans	961	641
Substandard | Consumer: Auto	'	'
Credit Quality Indicators	'	'
Total loans	'	4
Substandard | Consumer: Other	'	'
Credit Quality Indicators	'	'
Total loans	'	2
Doubtful	'	'
Credit Quality Indicators	'	'
Total loans	'	24
Doubtful | Commercial real estate: Other	'	'
Credit Quality Indicators	'	'
Total loans	'	13
Doubtful | Residential real estate	'	'
Credit Quality Indicators	'	'
Total loans	'	$11

Fair_Value_Measurements_Detail

Fair Value Measurements (Details) (USD $)	9 Months Ended
	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
Assets:	'	'	'
Securities available-for-sale	$50,441,000	$46,639,000	'
Impaired loans	11,611,000	12,905,000	'
Other real estate owned	547,000	191,000	'
Writedowns of other real estate owned	15,000	'	40,000
Principal balance of impaired loans	3,601,000	8,769,000	'
Valuation allowance	1,606,000	3,451,000	'
Decrease in the specific allocation for impaired loans	870,000	'	'
Commercial	'	'	'
Assets:	'	'	'
Principal balance of impaired loans	1,273,000	2,026,000	'
Valuation allowance	1,083,000	1,643,000	'
Residential	'	'	'
Assets:	'	'	'
Principal balance of impaired loans	745,000	20,000	'
Valuation allowance	151,000	19,000	'
U. S. government agencies and government sponsored entities	'	'	'
Assets:	'	'	'
Securities available-for-sale	5,855,000	7,004,000	'
State and municipal	'	'	'
Assets:	'	'	'
Securities available-for-sale	20,293,000	20,876,000	'
Agency mortgage-backed: residential	'	'	'
Assets:	'	'	'
Securities available-for-sale	21,903,000	17,559,000	'
Trust preferred security	'	'	'
Assets:	'	'	'
Securities available-for-sale	1,400,000	1,200,000	'
Corporate Bonds	'	'	'
Assets:	'	'	'
Securities available-for-sale	990,000	'	'
Recurring basis | Significant Other Observable Inputs (Level 2) | U. S. government agencies and government sponsored entities	'	'	'
Assets:	'	'	'
Securities available-for-sale	5,855,000	7,004,000	'
Recurring basis | Significant Other Observable Inputs (Level 2) | State and municipal	'	'	'
Assets:	'	'	'
Securities available-for-sale	20,293,000	20,876,000	'
Recurring basis | Significant Other Observable Inputs (Level 2) | Agency mortgage-backed: residential	'	'	'
Assets:	'	'	'
Securities available-for-sale	21,903,000	17,559,000	'
Recurring basis | Significant Other Observable Inputs (Level 2) | Trust preferred security	'	'	'
Assets:	'	'	'
Securities available-for-sale	1,400,000	1,200,000	'
Recurring basis | Significant Other Observable Inputs (Level 2) | Corporate Bonds	'	'	'
Assets:	'	'	'
Securities available-for-sale	990,000	'	'
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Commercial	'	'	'
Assets:	'	'	'
Impaired loans	190,000	383,000	'
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Commercial RE	'	'	'
Assets:	'	'	'
Impaired loans	1,211,000	4,934,000	'
Other real estate owned	337,000	'	'
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Residential	'	'	'
Assets:	'	'	'
Impaired loans	594,000	1,000	'
Other real estate owned	$210,000	$191,000	'

Fair_Value_Measurements_Detail1

Fair Value Measurements (Details 2) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Valuation techniques	'	'
Impaired loans	11,611	12,905
Other real estate owned	547	191
Market Approach | Commercial	'	'
Valuation techniques	'	'
Impaired loans	190	383
Market Approach | Commercial | Minimum	'	'
Valuation techniques	'	'
Range (as a percent)	0.00%	0.00%
Market Approach | Commercial | Maximum	'	'
Valuation techniques	'	'
Range (as a percent)	66.72%	50.00%
Market Approach | Commercial | Weighted Average	'	'
Valuation techniques	'	'
Range (as a percent)	41.92%	40.22%
Sales Comparison | Commercial RE | Minimum	'	'
Valuation techniques	'	'
Range (as a percent)	'	20.00%
Sales Comparison | Commercial RE | Maximum	'	'
Valuation techniques	'	'
Range (as a percent)	'	38.97%
Sales Comparison | Commercial RE | Weighted Average	'	'
Valuation techniques	'	'
Range (as a percent)	'	32.60%
Sales Comparison | Residential	'	'
Valuation techniques	'	'
Impaired loans	594	1
Other real estate owned	210	191
Sales Comparison | Residential | Minimum	'	'
Valuation techniques	'	'
Range (as a percent)	0.00%	0.00%
Sales Comparison | Residential | Maximum	'	'
Valuation techniques	'	'
Range (as a percent)	15.00%	15.00%
Sales Comparison | Residential | Weighted Average	'	'
Valuation techniques	'	'
Range (as a percent)	12.18%	15.00%
Sales Comparison | Real estate owned residential | Minimum	'	'
Valuation techniques	'	'
Range (as a percent)	6.00%	6.00%
Sales Comparison | Real estate owned residential | Maximum	'	'
Valuation techniques	'	'
Range (as a percent)	17.40%	15.00%
Sales Comparison | Real estate owned residential | Weighted Average	'	'
Valuation techniques	'	'
Range (as a percent)	11.16%	9.39%
Sales Comparison | Impaired loans: Commercial RE	'	'
Valuation techniques	'	'
Impaired loans	1,211	4,934
Sales Comparison | Impaired loans: Commercial RE | Weighted Average	'	'
Valuation techniques	'	'
Range (as a percent)	20.00%	'
Sales Comparison | Other real estate owned: Commercial RE	'	'
Valuation techniques	'	'
Other real estate owned	337	'
Sales Comparison | Other real estate owned: Commercial RE | Minimum	'	'
Valuation techniques	'	'
Range (as a percent)	21.00%	'
Sales Comparison | Other real estate owned: Commercial RE | Maximum	'	'
Valuation techniques	'	'
Range (as a percent)	49.00%	'
Sales Comparison | Other real estate owned: Commercial RE | Weighted Average	'	'
Valuation techniques	'	'
Range (as a percent)	45.16%	'

Fair_Value_Measurements_Detail2

Fair Value Measurements (Details 3) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Financial Assets	'	'
Loans, net of allowance	$296,556	$293,033
Accrued interest receivable	1,648	1,660
Federal Home Loan Bank stock	2,025	2,025
Financial Liabilities	'	'
FHLB advances and other borrowings	28,000	26,000
Subordinated debentures	5,000	5,000
Accrued interest payable	270	238
Level 1	'	'
Financial Assets	'	'
Cash and cash equivalents	32,527	34,799
Financial Liabilities	'	'
Demand and savings deposits	133,267	152,932
Accrued interest payable	12	10
Level 2	'	'
Financial Assets	'	'
Loans held for sale	118	62
Accrued interest receivable	261	273
Financial Liabilities	'	'
Time deposits	177,102	179,001
FHLB advances and other borrowings	27,811	'
FHLB advances	'	26,350
Accrued interest payable	258	228
Level 3	'	'
Financial Assets	'	'
Loans, net of allowance	299,373	290,865
Accrued interest receivable	1,387	1,387
Financial Liabilities	'	'
Subordinated debentures	2,392	2,392
Carrying Amount	'	'
Financial Assets	'	'
Cash and cash equivalents	32,527	34,799
Loans held for sale	115	61
Loans, net of allowance	294,561	287,715
Accrued interest receivable	1,648	1,660
Federal Home Loan Bank stock	2,025	2,025
Financial Liabilities	'	'
Demand and savings deposits	161,211	152,919
Time deposits	176,422	178,814
FHLB advances and other borrowings	28,000	'
FHLB advances	'	26,000
Subordinated debentures	5,000	5,000
Accrued interest payable	270	238
Total	'	'
Financial Assets	'	'
Cash and cash equivalents	32,527	34,799
Loans held for sale	118	62
Loans, net of allowance	299,373	290,865
Accrued interest receivable	1,648	1,660
Financial Liabilities	'	'
Demand and savings deposits	133,267	152,932
Time deposits	177,102	179,001
FHLB advances and other borrowings	27,811	'
FHLB advances	'	26,350
Subordinated debentures	2,392	2,392
Accrued interest payable	$270	$238

Earnings_Per_Share_Details

Earnings Per Share (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Basic earnings per share, Income	'	'	'	'
Net income	$233	$941	$1,136	$2,476
Less: Dividends and accretion on preferred stock	-178	-225	-571	-672
Net income available for common stockholders	$55	$716	$565	$1,804
Weighted Average Shares	'	'	'	'
Weighted Average Shares, basic	1,968,777	1,968,777	1,968,777	1,968,777
Effect of dilutive securities	'	'	'	'
Warrants (in shares)	110,143	99,112	109,509	88,159
Weighted Average Shares, diluted	2,078,920	2,067,889	2,078,286	2,056,936
Per Share Amount	'	'	'	'
Basic earnings per common share (in dollars per share)	$0.03	$0.36	$0.29	$0.92
Diluted earnings per common share (in dollars per share)	$0.02	$0.35	$0.27	$0.88
Stock options not considered in computing diluted earnings per common share (in shares)	'	'	72,931	86,961
Common stock warrants outstanding	254,218	254,218	254,218	254,218

Subsequent_Event_Details

Subsequent Event (Details) (USD $)	3 Months Ended		9 Months Ended			9 Months Ended	0 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012	Sep. 30, 2013	Oct. 15, 2013
						Commercial real estate loan	Subsequent Events
							Commercial real estate loan
Subsequent Events	'	'	'	'	'	'	'
Largest non-performing asset	$5,825,000	'	$5,825,000	'	$6,142,000	$3,800,000	'
Sale price of real estate securing largest non-performing asset, net of selling costs	'	'	'	'	'	2,500,000	'
Loans charged-off	2,198,000	243,000	3,234,000	1,049,000	'	1,600,000	'
Remaining principal balance collected	'	'	'	'	'	'	$2,200,000