Document_And_Entity_Informatio
Document And Entity Information | 6 Months Ended | |
Jun. 30, 2014 | Aug. 13, 2014 | |
Document And Entity Information [Abstract] | ' | ' |
Document Type | '10-Q | ' |
Amendment Flag | 'false | ' |
Document Period End Date | 30-Jun-14 | ' |
Document Fiscal Year Focus | '2014 | ' |
Document Fiscal Period Focus | 'Q2 | ' |
Entity Registrant Name | 'NEW PEOPLES BANKSHARES INC | ' |
Entity Central Index Key | '0001163389 | ' |
Current Fiscal Year End Date | '--12-31 | ' |
Entity Filer Category | 'Smaller Reporting Company | ' |
Entity Common Stock, Shares Outstanding | ' | 21,872,293 |
Consolidated_Statements_Of_Inc
Consolidated Statements Of Income (Loss) (USD $) | 3 Months Ended | 6 Months Ended | ||
In Thousands, except Share data, unless otherwise specified | Jun. 30, 2014 | Jun. 30, 2013 | Jun. 30, 2014 | Jun. 30, 2013 |
INTEREST AND DIVIDEND INCOME | ' | ' | ' | ' |
Loans including fees | $6,240 | $7,370 | $12,628 | $14,623 |
Federal funds sold | ' | ' | 1 | 1 |
Interest-earning deposits with banks | 47 | 53 | 85 | 103 |
Investments | 348 | 195 | 690 | 392 |
Dividends on equity securities (restricted) | 32 | 36 | 63 | 64 |
Total Interest and Dividend Income | 6,667 | 7,654 | 13,467 | 15,183 |
INTEREST EXPENSE | ' | ' | ' | ' |
Demand | 10 | 19 | 19 | 49 |
Savings | 49 | 48 | 98 | 116 |
Time deposits below $100,000 | 475 | 556 | 966 | 1,138 |
Time deposits above $100,000 | 323 | 397 | 662 | 803 |
FHLB Advances | 50 | 62 | 103 | 126 |
Trust Preferred Securities | 113 | 117 | 229 | 230 |
Total Interest Expense | 1,020 | 1,199 | 2,077 | 2,462 |
NET INTEREST INCOME | 5,647 | 6,455 | 11,390 | 12,721 |
PROVISION FOR LOAN LOSSES | ' | ' | ' | 550 |
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES | 5,647 | 6,455 | 11,390 | 12,171 |
NONINTEREST INCOME | ' | ' | ' | ' |
Service charges | 554 | 565 | 1,058 | 1,098 |
Fees, commissions and other income | 705 | 586 | 1,634 | 1,307 |
Insurance and investment fees | 97 | 97 | 183 | 174 |
Net realized gains on sale of investment securities | 1 | ' | 4 | 99 |
Life insurance investment income | 19 | 29 | 36 | 68 |
Total Noninterest Income | 1,376 | 1,277 | 2,915 | 2,746 |
NONINTEREST EXPENSES | ' | ' | ' | ' |
Salaries and employee benefits | 3,175 | 3,211 | 6,409 | 6,657 |
Occupancy and equipment expense | 958 | 1,027 | 1,969 | 2,108 |
Advertising and public relations | 121 | 124 | 238 | 197 |
Data processing and telecommunications | 544 | 465 | 1,109 | 876 |
FDIC insurance premiums | 376 | 379 | 750 | 755 |
Other real estate owned and repossessed vehicles, net | 752 | 255 | 1,528 | 632 |
Other operating expenses | 1,258 | 1,360 | 2,536 | 2,615 |
Total Noninterest Expenses | 7,184 | 6,821 | 14,539 | 13,840 |
INCOME (LOSS) BEFORE INCOME TAXES | -161 | 911 | -234 | 1,077 |
INCOME TAX EXPENSE (BENEFIT) | -4 | -34 | -5 | -15 |
NET INCOME (LOSS) | ($157) | $945 | ($229) | $1,092 |
Income (Loss) Per Share | ' | ' | ' | ' |
Basic | ($0.01) | $0.04 | ($0.01) | $0.05 |
Fully Diluted | ($0.01) | $0.04 | ($0.01) | $0.05 |
Average Weighted Shares of Common Stock | ' | ' | ' | ' |
Basic | 21,872,293 | 21,871,063 | 21,872,293 | 21,869,768 |
Fully Diluted | 21,872,293 | 21,871,063 | 21,872,293 | 21,869,768 |
Consolidated_Statements_Of_Com
Consolidated Statements Of Comprehensive Income (USD $) | 3 Months Ended | 6 Months Ended | ||
In Thousands, unless otherwise specified | Jun. 30, 2014 | Jun. 30, 2013 | Jun. 30, 2014 | Jun. 30, 2013 |
Statement of Other Comprehensive Income [Abstract] | ' | ' | ' | ' |
NET INCOME (LOSS) | ($157) | $945 | ($229) | $1,092 |
Investment Securities Activity | ' | ' | ' | ' |
Unrealized gains (losses) arising during the period | 400 | -708 | 763 | -856 |
Tax related to unrealized gains (losses) | -136 | 241 | -259 | 292 |
Reclassification of realized gains during the period | -1 | ' | -4 | -99 |
Tax related to realized gains | 1 | ' | 2 | 33 |
TOTAL OTHER COMPREHENSIVE INCOME (LOSS) | 264 | -467 | 502 | -630 |
TOTAL COMPREHENSIVE INCOME | $107 | $478 | $273 | $462 |
Consolidated_Balance_Sheets
Consolidated Balance Sheets (USD $) | Jun. 30, 2014 | Dec. 31, 2013 |
In Thousands, unless otherwise specified | ||
ASSETS | ' | ' |
Cash and due from banks | $19,216 | $18,770 |
Interest-bearing deposits with banks | 48,717 | 35,908 |
Federal funds sold | 7 | 2 |
Total Cash and Cash Equivalents | 67,940 | 54,680 |
Investment Securities Available-for-sale | 85,831 | 79,126 |
Loans receivable | 471,646 | 493,023 |
Allowance for loan losses | -11,576 | -13,080 |
Net Loans | 460,070 | 479,943 |
Bank premises and equipment, net | 29,649 | 29,976 |
Equity securities (restricted) | 2,457 | 2,704 |
Other real estate owned | 14,381 | 15,853 |
Accrued interest receivable | 2,032 | 2,286 |
Life insurance investments | 12,219 | 12,118 |
Intangible assets | ' | 8 |
Deferred taxes | 5,188 | 5,446 |
Other assets | 3,049 | 2,571 |
Total Assets | 682,816 | 684,711 |
Demand deposits: | ' | ' |
Noninterest bearing | 143,334 | 137,745 |
Interest-bearing | 30,954 | 30,138 |
Savings deposits | 112,373 | 104,123 |
Time deposits | 330,222 | 346,991 |
Total Deposits | 616,883 | 618,997 |
Federal Home Loan Bank advances | 4,758 | 5,358 |
Accrued interest payable | 2,487 | 2,287 |
Accrued expenses and other liabilities | 1,959 | 1,613 |
Trust preferred securities | 16,496 | 16,496 |
Total Liabilities | 642,583 | 644,751 |
Commitments and contingencies | ' | ' |
STOCKHOLDERS' EQUITY | ' | ' |
Common stock $2.00 par value; 50,000,000 shares authorized; 21,872,293 shares issued and outstanding | 43,745 | 43,745 |
Common stock warrants | 2,050 | 2,050 |
Additional paid-in-capital | 13,050 | 13,050 |
Retained earnings (deficit) | -18,154 | -17,925 |
Accumulated other comprehensive income (loss) | -458 | -960 |
Total Stockholders' Equity | 40,233 | 39,960 |
Total Liabilities and Stockholders' Equity | $682,816 | $684,711 |
Consolidated_Balance_Sheets_Pa
Consolidated Balance Sheets (Parenthetical) (USD $) | Jun. 30, 2014 | Dec. 31, 2013 |
Consolidated Balance Sheets [Abstract] | ' | ' |
Common stock, par value | $2 | $2 |
Common stock, shares authorized | 50,000,000 | 50,000,000 |
Common stock, shares issued | 21,872,293 | 21,872,293 |
Common stock, shares outstanding | 21,872,293 | 21,872,293 |
Consolidated_Statements_Of_Cha
Consolidated Statements Of Changes In Stockholders' Equity (USD $) | Common Stock [Member] | Common Stock Warrants [Member] | Additional Paid-In Capital [Member] | Retained Earnings (Deficit) [Member] | Accumulated Other Comprehensive Income (Loss) [Member] | Total |
In Thousands, except Share data | ||||||
Balance at Dec. 31, 2012 | $43,731 | $2,056 | $13,081 | ($19,409) | $407 | $39,866 |
Balance, Shares at Dec. 31, 2012 | 21,866,000 | ' | ' | ' | ' | ' |
NET INCOME (LOSS) | ' | ' | ' | 1,092 | ' | 1,092 |
Exercise of Common Stock Warrants, Amount | 11 | -5 | 5 | ' | ' | 11 |
Exercise of Common Stock Warrants, Shares | 5,000 | ' | ' | ' | ' | ' |
Stock offering costs | ' | ' | -37 | ' | ' | -37 |
Other comprehensive income (loss), net of tax | ' | ' | ' | ' | -630 | -630 |
Balance at Jun. 30, 2013 | 43,742 | 2,051 | 13,049 | -18,317 | -223 | 40,302 |
Balance, Shares at Jun. 30, 2013 | 21,871,000 | ' | ' | ' | ' | ' |
Balance at Dec. 31, 2013 | 43,745 | 2,050 | 13,050 | -17,925 | -960 | 39,960 |
Balance, Shares at Dec. 31, 2013 | 21,872,000 | ' | ' | ' | ' | 21,872,293 |
NET INCOME (LOSS) | ' | ' | ' | -229 | ' | -229 |
Other comprehensive income (loss), net of tax | ' | ' | ' | ' | 502 | 502 |
Balance at Jun. 30, 2014 | $43,745 | $2,050 | $13,050 | ($18,154) | ($458) | $40,233 |
Balance, Shares at Jun. 30, 2014 | 21,872,000 | ' | ' | ' | ' | 21,872,293 |
Consolidated_Statements_Of_Cas
Consolidated Statements Of Cash Flows (USD $) | 6 Months Ended | |
In Thousands, unless otherwise specified | Jun. 30, 2014 | Jun. 30, 2013 |
CASH FLOWS FROM OPERATING ACTIVITIES | ' | ' |
Net income (loss) | ($229) | $1,092 |
Adjustments to reconcile net income (loss) to net cash provided by operating activities: | ' | ' |
Depreciation | 1,124 | 1,184 |
Provision for loan losses | ' | 550 |
Income (less expenses) on life insurance | -101 | -133 |
Gain on sale of securities available-for-sale | -4 | -99 |
(Gain) loss on sale of premises and equipment | -40 | 29 |
(Gain) Loss on sale of foreclosed real estate | 117 | -27 |
Proceeds from sale of loans | 2,905 | ' |
Adjustment of carrying value of foreclosed real estate | 930 | 157 |
Accretion of bond premiums/discounts | 497 | 420 |
Deferred tax expense | ' | -4 |
Amortization of core deposit intangible | 8 | 28 |
Net change in: | ' | ' |
Interest receivable | 254 | 108 |
Other assets | -478 | 152 |
Accrued interest payable | 200 | 203 |
Accrued expenses and other liabilities | 346 | 397 |
Net Cash Provided by Operating Activities | 5,529 | 4,057 |
CASH FLOWS FROM INVESTING ACTIVITIES | ' | ' |
Net decrease in loans | 16,028 | 5,897 |
Purchase of securities available-for-sale | -25,109 | -23,137 |
Proceeds from sale and maturities of securities available-for-sale | 18,671 | 9,262 |
Sale of Federal Home Loan Bank stock | 247 | 309 |
Purchase of Federal Reserve Bank stock | ' | -210 |
Payments for the purchase of premises and equipment | -1,167 | -862 |
Proceeds from sales of premises and equipment | 410 | 380 |
Proceeds from sales of other real estate owned | 1,365 | 2,789 |
Net Cash Provided by (Used In) Investing Activities | 10,445 | -5,572 |
CASH FLOWS FROM FINANCING ACTIVITIES | ' | ' |
Exercise of common stock warrants | ' | 11 |
Stock offering costs | ' | -37 |
Repayments to Federal Home Loan Bank | -600 | -600 |
Net change in: | ' | ' |
Demand deposits | 6,405 | 5,315 |
Savings deposits | 8,250 | -12,725 |
Time deposits | -16,769 | -12,803 |
Net Cash Used in Financing Activities | -2,714 | -20,839 |
Net increase (decrease) in cash and cash equivalents | 13,260 | -22,354 |
Cash and Cash Equivalents, Beginning of Period | 54,680 | 94,109 |
Cash and Cash Equivalents, End of Period | 67,940 | 71,755 |
Supplemental Disclosure of Cash Paid During the Period for: | ' | ' |
Interest | 1,877 | 2,259 |
Taxes | ' | ' |
Supplemental Disclosure of Non Cash Transactions: | ' | ' |
Other real estate acquired in settlement of foreclosed loans | 1,515 | 3,322 |
Loans made to finance sale of foreclosed real estate | $575 | ' |
Nature_Of_Operations
Nature Of Operations | 6 Months Ended |
Jun. 30, 2014 | |
Nature Of Operations [Abstract] | ' |
Nature Of Operations | ' |
NOTE 1 NATURE OF OPERATIONS: | |
New Peoples Bankshares, Inc. (“The Company”) is a bank holding company whose principal activity is the ownership and management of a community bank. New Peoples Bank, Inc. (“Bank”) was organized and incorporated under the laws of the Commonwealth of Virginia on December 9, 1997. The Bank commenced operations on October 28, 1998, after receiving regulatory approval. As a state chartered member bank, the Bank is subject to regulation by the Virginia Bureau of Financial Institutions, the Federal Deposit Insurance Corporation and the Federal Reserve Bank. The Bank provides general banking services to individuals, small and medium size businesses and the professional community of southwestern Virginia, southern West Virginia, and eastern Tennessee. On June 9, 2003, the Company formed two wholly owned subsidiaries, NPB Financial Services, Inc. and NPB Web Services, Inc. On July 7, 2004 the Company established NPB Capital Trust I for the purpose of issuing trust preferred securities. On September 27, 2006, the Company established NPB Capital Trust 2 for the purpose of issuing additional trust preferred securities. NPB Financial Services, Inc. was a subsidiary of the Company until January 1, 2009 when it became a subsidiary of the Bank. In June 2012 the name of NPB Financial Services, Inc. was changed to NPB Insurance Services, Inc. which operates solely as an insurance agency. | |
Accounting_Principles
Accounting Principles | 6 Months Ended |
Jun. 30, 2014 | |
Accounting Principles [Abstract] | ' |
Accounting Principles | ' |
NOTE 2 ACCOUNTING PRINCIPLES: | |
The financial statements conform to U. S. generally accepted accounting principles and to general industry practices. In the opinion of management, the accompanying unaudited financial statements contain all adjustments (consisting of only normal recurring accruals) necessary to present fairly the financial position at June 30, 2014, and the results of operations for the three and six month periods ended June 30, 2014 and 2013. The notes included herein should be read in conjunction with the notes to financial statements included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2013. The results of operations for the three and six month periods ended June 30, 2014 and 2013 are not necessarily indicative of the results to be expected for the full year. | |
The preparation of financial statements in conformity with generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. The determination of the adequacy of the allowance for loan losses and the determination of the deferred tax asset and valuation allowance are based on estimates that are particularly susceptible to significant changes in the economic environment and market conditions. | |
Formal_Written_Agreement
Formal Written Agreement | 6 Months Ended |
Jun. 30, 2014 | |
Formal Written Agreement [Abstract] | ' |
Formal Written Agreement | ' |
NOTE 3 FORMAL WRITTEN AGREEMENT: | |
Effective July 29, 2010, the Company and the Bank entered into a written agreement with the Federal Reserve Bank of Richmond (“Reserve Bank”) and the Virginia State Corporation Commission Bureau of Financial Institutions (the “Bureau”) called (the “Written Agreement”). At June 30, 2014, we believe we have not yet achieved full compliance with the Written Agreement but we have made progress in our compliance efforts under the Written Agreement and all of the written plans required to date, as discussed in the following paragraphs, have been submitted on a timely basis. | |
Under the terms of the Written Agreement, the Bank has agreed to develop and submit for approval within specified time periods written plans to: (a) strengthen board oversight of management and the Bank’s operation; (b) if appropriate after review, to strengthen the Bank’s management and board governance; (c) strengthen credit risk management policies; (d) enhance lending and credit administration; (e) enhance the Bank’s management of commercial real estate concentrations; (f) conduct ongoing review and grading of the Bank’s loan portfolio; (g) improve the Bank’s position with respect to loans, relationships, or other assets in excess of $1 million which are now or in the future become past due more than 90 days, which are on the Bank’s problem loan list, or which are adversely classified in any report of examination of the Bank; (h) review and revise, as appropriate, current policy and maintain sound processes for maintaining an adequate allowance for loan and lease losses; (i) enhance management of the Bank’s liquidity position and funds management practices; (j) revise its contingency funding plan; (k) revise its strategic plan; and (l) enhance the Bank’s anti-money laundering and related activities. | |
In addition, the Bank has agreed that it will: (a) not extend, renew, or restructure any credit that has been criticized by the Reserve Bank or the Bureau absent prior board of directors approval in accordance with the restrictions in the Written Agreement; (b) eliminate all assets or portions of assets classified as “loss” and thereafter charge off all assets classified as “loss” in a federal or state report of examination, unless otherwise approved by the Reserve Bank. | |
Under the terms of the Written Agreement, both the Company and the Bank have agreed to submit capital plans to maintain sufficient capital at the Company, on a consolidated basis, and the Bank, on a stand-alone basis, and to refrain from declaring or paying dividends without prior regulatory approval. The Company has agreed that it will not take any other form of payment representing a reduction in the Bank’s capital or make any distributions of interest, principal, or other sums on subordinated debentures or trust preferred securities without prior regulatory approval. The Company may not incur, increase or guarantee any debt without prior regulatory approval and has agreed not to purchase or redeem any shares of its stock without prior regulatory approval. | |
Under the terms of the Written Agreement, the Company and the Bank have appointed a committee to monitor compliance with the Written Agreement. The directors of the Company and the Bank have recognized and unanimously agree with the common goal of financial soundness represented by the Written Agreement and have confirmed the intent of the directors and executive management to diligently seek to comply with all requirements of the Written Agreement. | |
Capital
Capital | 6 Months Ended | ||||||||
Jun. 30, 2014 | |||||||||
Capital [Abstract] | ' | ||||||||
Capital | ' | ||||||||
NOTE 4 CAPITAL: | |||||||||
Capital Requirements and Ratios | |||||||||
The Company and the Bank are subject to various capital requirements administered by federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and, possibly, additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s and the Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Prompt corrective action provisions are not applicable to bank holding companies. | |||||||||
Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth in the following table) of total and Tier 1 capital (as defined) to risk-weighted assets (as defined) and of Tier 1 capital (as defined) to average assets (as defined). Management believes that, as of June 30, 2014, the Company and the Bank meet all capital adequacy requirements to which they are subject. | |||||||||
As of June 30, 2014, the Bank was well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the following tables. There are no conditions or events since the notification that management believes have changed the Company’s and Bank’s category. | |||||||||
The Company’s and the Bank’s actual capital amounts and ratios are presented in the table as of June 30, 2014 and December 31, 2013, respectively. | |||||||||
Actual | Minimum Capital Requirement | Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions | |||||||
(Dollars are in thousands) | Amount | Ratio | Amount | Ratio | Amount | Ratio | |||
June 30, 2014: | |||||||||
Total Capital to Risk Weighted Assets: | |||||||||
The Company | $ | 57,442 | 14.86% | $ 30,918 | 8% | $ | N/A | N/A | |
The Bank | 56,064 | 14.49% | 30,946 | 8% | 38,682 | 10% | |||
Tier 1 Capital to Risk Weighted Assets: | |||||||||
The Company | 50,092 | 12.96% | 15,459 | 4% | N/A | N/A | |||
The Bank | 51,146 | 13.22% | 15,473 | 4% | 23,209 | 6% | |||
Tier 1 Capital to Average Assets: | |||||||||
The Company | 50,092 | 7.33% | 27,336 | 4% | N/A | N/A | |||
The Bank | 51,146 | 7.48% | 27,348 | 4% | 34,185 | 5% | |||
December 31, 2013: | |||||||||
Total Capital to Risk Weighted Assets: | |||||||||
The Company | $ | 58,305 | 14.39% | $ | 8% | $ | N/A | N/A | |
32,417 | |||||||||
The Bank | 56,602 | 13.96% | 32,430 | 8% | 40,538 | 10% | |||
Tier 1 Capital to Risk Weighted Assets: | |||||||||
The Company | 50,776 | 12.53% | 16,208 | 4% | N/A | N/A | |||
The Bank | 51,436 | 12.69% | 16,215 | 4% | 24,323 | 6% | |||
Tier 1 Capital to Average Assets: | |||||||||
The Company | 50,776 | 7.40% | 27,445 | 4% | N/A | N/A | |||
The Bank | 51,436 | 7.49% | 27,460 | 4% | 34,326 | 5% | |||
Investment_Securities
Investment Securities | 6 Months Ended | |||||||||||||
Jun. 30, 2014 | ||||||||||||||
Investment Securities [Abstract] | ' | |||||||||||||
Investment Securities | ' | |||||||||||||
NOTE 5 INVESTMENT SECURITIES: | ||||||||||||||
The amortized cost and estimated fair value of securities (all available-for-sale (“AFS”)) are as follows: | ||||||||||||||
Gross | Gross | Approximate | ||||||||||||
Amortized | Unrealized | Unrealized | Fair | |||||||||||
(Dollars are in thousands) | Cost | Gains | Losses | Value | ||||||||||
30-Jun-14 | ||||||||||||||
U.S. Government Agencies | $ | 40,111 | $ | 181 | $ | 583 | $ | 39,709 | ||||||
Taxable municipals | - | - | - | - | ||||||||||
Tax-exempt municipals | - | - | - | - | ||||||||||
Mortgage backed securities | 46,415 | 104 | 397 | 46,122 | ||||||||||
Total Securities AFS | $ | 86,526 | $ | 285 | $ | 980 | $ | 85,831 | ||||||
31-Dec-13 | ||||||||||||||
U.S. Government Agencies | $ | 39,296 | $ | 246 | $ | 941 | $ | 38,601 | ||||||
Taxable municipals | - | - | - | - | ||||||||||
Tax-exempt municipals | - | - | - | - | ||||||||||
Mortgage backed securities | 41,284 | 60 | 819 | 40,525 | ||||||||||
Total Securities AFS | $ | 80,580 | $ | 306 | $ | 1,760 | $ | 79,126 | ||||||
The following table details unrealized losses and related fair values in the available-for-sale portfolio. This information is aggregated by the length of time that individual securities have been in a continuous unrealized loss position as of June 30, 2014 and December 31, 2013. | ||||||||||||||
Less than 12 Months | 12 Months or More | Total | ||||||||||||
Fair Value | Unrealized | Fair | Unrealized | Fair | Unrealized | |||||||||
(Dollars are in thousands) | Losses | Value | Losses | Value | Losses | |||||||||
30-Jun-14 | ||||||||||||||
U.S. Government Agencies | $ | 10,037 | $ | 72 | $ | 13,583 | $ | 511 | $ | 23,620 | $ | 583 | ||
Mtg. backed securities | 16,931 | 114 | 16,785 | 283 | 33,716 | 397 | ||||||||
Total Securities AFS | $ | 26,968 | $ | 186 | $ | 30,368 | $ | 794 | $ | 57,336 | $ | 980 | ||
31-Dec-13 | ||||||||||||||
U.S. Government Agencies | $ | 26,090 | $ | 936 | $ | 570 | $ | 5 | $ | 26,660 | $ | 941 | ||
Mtg. backed securities | 27,461 | 693 | 5,046 | 126 | 32,507 | 819 | ||||||||
Total Securities AFS | $ | 53,551 | $ | 1,629 | $ | 5,616 | $ | 131 | $ | 59,167 | $ | 1,760 | ||
At June 30, 2014, the available-for-sale portfolio included eighty three investments for which the fair market value was less than amortized cost. At December 31, 2013, the available-for-sale portfolio included eighty investments for which the fair market value was less than amortized cost. Management evaluates securities for other than temporary impairment at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. Consideration is given to (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial conditions and near-term prospects of the issuer, and (3) the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value. No securities had an other than temporary impairment. | ||||||||||||||
The amortized cost and fair value of investment securities at June 30, 2014, by contractual maturity, are shown in the following schedule. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. | ||||||||||||||
Weighted | ||||||||||||||
(Dollars are in thousands) | Amortized | Fair | Average | |||||||||||
Securities Available-for-Sale | Cost | Value | Yield | |||||||||||
Due in one year or less | $ | 51 | $ | 52 | 2.28% | |||||||||
Due after one year through five years | 1,551 | 1,551 | 0.97% | |||||||||||
Due after five years through fifteen years | 32,195 | 32,155 | 1.73% | |||||||||||
Due after fifteen years | 52,729 | 52,073 | 1.84% | |||||||||||
Total | $ | 86,526 | $ | 85,831 | 1.78% | |||||||||
Investment securities with a carrying value of $19.1 million and $17.0 million at June 30, 2014 and December 31, 2013, were pledged to secure public deposits, overnight payment processing and for other purposes required by law. | ||||||||||||||
The Bank, as a member of the Federal Reserve Bank and the Federal Home Loan Bank, is required to hold stock in each. These equity securities are restricted from trading and are recorded at a cost of $2.5 million and $2.7 million as of June 30, 2014 and December 31, 2013, respectively. | ||||||||||||||
Loans
Loans | 6 Months Ended | ||||||||||||||
Jun. 30, 2014 | |||||||||||||||
Loans [Abstract] | ' | ||||||||||||||
Loans | ' | ||||||||||||||
NOTE 6 LOANS: | |||||||||||||||
Loans receivable outstanding are summarized as follows: | |||||||||||||||
(Dollars are in thousands) | 30-Jun-14 | 31-Dec-13 | |||||||||||||
Real estate secured: | |||||||||||||||
Commercial | $ | 116,844 | $ | 126,174 | |||||||||||
Construction and land development | 15,903 | 22,421 | |||||||||||||
Residential 1-4 family | 248,454 | 249,187 | |||||||||||||
Multifamily | 11,873 | 11,482 | |||||||||||||
Farmland | 26,386 | 28,892 | |||||||||||||
Total real estate loans | 419,460 | 438,156 | |||||||||||||
Commercial | 21,286 | 24,955 | |||||||||||||
Agriculture | 3,923 | 3,718 | |||||||||||||
Consumer installment loans | 26,861 | 26,055 | |||||||||||||
All other loans | 116 | 139 | |||||||||||||
Total loans | $ | 471,646 | $ | 493,023 | |||||||||||
Loans receivable on nonaccrual status are summarized as follows: | |||||||||||||||
(Dollars are in thousands) | 30-Jun-14 | 31-Dec-13 | |||||||||||||
Real estate secured: | |||||||||||||||
Commercial | $ | 11,328 | $ | 16,098 | |||||||||||
Construction and land development | 743 | 775 | |||||||||||||
Residential 1-4 family | 6,975 | 4,852 | |||||||||||||
Multifamily | 164 | 171 | |||||||||||||
Farmland | 4,951 | 5,315 | |||||||||||||
Total real estate loans | 24,161 | 27,211 | |||||||||||||
Commercial | 859 | 947 | |||||||||||||
Agriculture | 40 | 45 | |||||||||||||
Consumer installment loans | 53 | 104 | |||||||||||||
All other loans | - | - | |||||||||||||
Total loans receivable on nonaccrual status | $ | 25,113 | $ | 28,307 | |||||||||||
Total interest income not recognized on nonaccrual loans for six months ended June 30, 2014 and 2013 was $273 thousand and $193 thousand, respectively. | |||||||||||||||
The following table presents information concerning the Company’s investment in loans considered impaired as of June 30, 2014 and December 31, 2013: | |||||||||||||||
Average | Interest | Unpaid Principal Balance | |||||||||||||
As of June 30, 2014 | Recorded | Income | Recorded | Related | |||||||||||
(Dollars are in thousands) | Investment | Recognized | Investment | Allowance | |||||||||||
With no related allowance recorded: | |||||||||||||||
Real estate secured: | |||||||||||||||
Commercial | $ | 11,969 | $ | 126 | $ | 10,754 | $ | 11,574 | $ | - | |||||
Construction and land development | 282 | 1 | 202 | 213 | - | ||||||||||
Residential 1-4 family | 2,690 | 52 | 2,441 | 2,643 | - | ||||||||||
Multifamily | 324 | 8 | 322 | 322 | - | ||||||||||
Farmland | 4,980 | 77 | 5,997 | 6,733 | - | ||||||||||
Commercial | 310 | - | 298 | 298 | - | ||||||||||
Agriculture | 66 | 2 | 65 | 81 | - | ||||||||||
Consumer installment loans | 9 | - | 13 | 13 | - | ||||||||||
All other loans | - | - | - | - | - | ||||||||||
With an allowance recorded: | |||||||||||||||
Real estate secured: | |||||||||||||||
Commercial | 7,738 | 76 | 4,966 | 5,423 | 893 | ||||||||||
Construction and land development | 639 | 13 | 800 | 897 | 218 | ||||||||||
Residential 1-4 family | 5,198 | 113 | 4,954 | 5,161 | 1,288 | ||||||||||
Multifamily | 321 | 13 | 429 | 429 | 75 | ||||||||||
Farmland | 3,527 | 60 | 2,245 | 2,272 | 560 | ||||||||||
Commercial | 633 | 2 | 561 | 669 | 39 | ||||||||||
Agriculture | 43 | 1 | 36 | 36 | 36 | ||||||||||
Consumer installment loans | 16 | - | 6 | 6 | - | ||||||||||
All other loans | - | - | - | - | - | ||||||||||
Total | $ | 38,745 | $ | 544 | $ | 34,089 | $ | 36,770 | $ | 3,109 | |||||
Average | Interest | Unpaid Principal Balance | |||||||||||||
As of December 31, 2013 | Recorded | Income | Recorded | Related | |||||||||||
(Dollars are in thousands) | Investment | Recognized | Investment | Allowance | |||||||||||
With no related allowance recorded: | |||||||||||||||
Real estate secured: | |||||||||||||||
Commercial | $ | 16,270 | $ | 300 | $ | 9,807 | $ | 10,276 | $ | - | |||||
Construction and land development | 2,246 | 26 | 336 | 345 | - | ||||||||||
Residential 1-4 family | 4,276 | 126 | 2,557 | 2,727 | - | ||||||||||
Multifamily | 652 | 16 | 326 | 326 | - | ||||||||||
Farmland | 4,260 | 166 | 2,533 | 2,670 | - | ||||||||||
Commercial | 717 | 7 | 315 | 423 | - | ||||||||||
Agriculture | 71 | 6 | 60 | 60 | - | ||||||||||
Consumer installment loans | 51 | 2 | 12 | 12 | - | ||||||||||
All other loans | - | - | - | - | - | ||||||||||
With an allowance recorded: | |||||||||||||||
Real estate secured: | |||||||||||||||
Commercial | 12,080 | 441 | 12,092 | 13,924 | 1,942 | ||||||||||
Construction and land development | 492 | 9 | 554 | 640 | 138 | ||||||||||
Residential 1-4 family | 3,980 | 260 | 5,458 | 5,824 | 1,180 | ||||||||||
Multifamily | 561 | 17 | 268 | 268 | 39 | ||||||||||
Farmland | 4,116 | 114 | 6,109 | 6,797 | 653 | ||||||||||
Commercial | 1,012 | 3 | 672 | 740 | 208 | ||||||||||
Agriculture | 138 | 4 | 55 | 71 | 43 | ||||||||||
Consumer installment loans | 22 | 2 | 22 | 22 | 3 | ||||||||||
All other loans | - | - | - | - | - | ||||||||||
Total | $ | 50,944 | $ | 1,499 | $ | 41,176 | $ | 45,125 | $ | 4,206 | |||||
An age analysis of past due loans receivable was as follows: | |||||||||||||||
Accruing | |||||||||||||||
Loans | Loans | ||||||||||||||
Loans | Loans | 90 or | 90 or | ||||||||||||
30-59 | 60-89 | More | Total | More | |||||||||||
Days | Days | Days | Past | Days | |||||||||||
As of June 30, 2014 | Past | Past | Past | Due | Current | Total | Past | ||||||||
(Dollars are in thousands) | Due | Due | Due | Loans | Loans | Loans | Due | ||||||||
Real estate secured: | |||||||||||||||
Commercial | $ | 1,902 | $ | 547 | $ | 5,035 | $ | 7,484 | $ | 109,360 | $ | 116,844 | $ | - | |
Construction and land | 237 | 152 | 363 | 752 | 15,151 | 15,903 | - | ||||||||
development | |||||||||||||||
Residential 1-4 family | 6,202 | 1,798 | 2,014 | 10,014 | 238,440 | 248,454 | - | ||||||||
Multifamily | 246 | - | - | 246 | 11,627 | 11,873 | - | ||||||||
Farmland | 130 | 32 | 3,870 | 4,032 | 22,354 | 26,386 | - | ||||||||
Total real estate loans | 8,717 | 2,529 | 11,282 | 22,528 | 396,932 | 419,460 | - | ||||||||
Commercial | 570 | - | 343 | 913 | 20,373 | 21,286 | - | ||||||||
Agriculture | 8 | - | 40 | 48 | 3,875 | 3,923 | - | ||||||||
Consumer installment | 181 | 20 | 23 | 224 | 26,637 | 26,861 | - | ||||||||
Loans | |||||||||||||||
All other loans | 13 | 6 | - | 19 | 97 | 116 | - | ||||||||
Total loans | $ | 9,489 | $ | 2,555 | $ | 11,688 | $ | 23,732 | $ | 447,914 | $ | 471,646 | $ | - | |
Accruing | |||||||||||||||
Loans | Loans | ||||||||||||||
Loans | Loans | 90 or | 90 or | ||||||||||||
30-59 | 60-89 | More | Total | More | |||||||||||
Days | Days | Days | Past | Days | |||||||||||
As of December 31, 2013 | Past | Past | Past | Due | Current | Total | Past | ||||||||
(Dollars are in thousands) | Due | Due | Due | Loans | Loans | Loans | Due | ||||||||
Real estate secured: | |||||||||||||||
Commercial | $ | 7,192 | $ | 1,713 | $ | 4,174 | $ | 13,079 | $ | 113,095 | $ | 126,174 | $ | - | |
Construction and land | 505 | 183 | 347 | 1,035 | 21,386 | 22,421 | - | ||||||||
development | |||||||||||||||
Residential 1-4 family | 6,391 | 1,067 | 1,271 | 8,729 | 240,458 | 249,187 | - | ||||||||
Multifamily | - | 436 | - | 436 | 11,046 | 11,482 | - | ||||||||
Farmland | 1,869 | 137 | 3,986 | 5,992 | 22,900 | 28,892 | - | ||||||||
Total real estate loans | 15,957 | 3,536 | 9,778 | 29,271 | 408,885 | 438,156 | - | ||||||||
Commercial | 135 | 14 | 902 | 1,051 | 23,904 | 24,955 | - | ||||||||
Agriculture | 26 | 20 | 13 | 59 | 3,659 | 3,718 | - | ||||||||
Consumer installment | 241 | 48 | 8 | 297 | 25,758 | 26,055 | - | ||||||||
Loans | |||||||||||||||
All other loans | 11 | 7 | 1 | 19 | 120 | 139 | 1 | ||||||||
Total loans | $ | 16,370 | $ | 3,625 | $ | 10,702 | $ | 30,697 | $ | 462,326 | $ | 493,023 | $ | 1 | |
The Company categorizes loans receivable 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 and leases individually by classifying the loans receivable as to credit risk. The Company uses the following definitions for risk ratings: | |||||||||||||||
Pass - Loans in this category are considered to have a low likelihood of loss based on relevant information analyzed about the ability of the borrowers to service their debt and other factors. | |||||||||||||||
Special Mention - Loans in this category are currently protected but are potentially weak, including adverse trends in borrower’s operations, credit quality or financial strength. Those loans constitute an undue and unwarranted credit risk but not to the point of justifying a substandard classification. The credit risk may be relatively minor yet constitute an unwarranted risk in light of the circumstances. Special mention loans have potential weaknesses which may, if not checked or corrected, weaken the loan or inadequately protect the Company’s credit position at some future date. | |||||||||||||||
Substandard - A substandard loan is inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans classified as substandard must 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 Doubtful have all the weaknesses inherent in loans classified Substandard, plus 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. | |||||||||||||||
Based on the most recent analysis performed, the risk category of loans receivable was as follows: | |||||||||||||||
As of June 30, 2014 | Special | ||||||||||||||
(Dollars are in thousands) | Pass | Mention | Substandard | Doubtful | Total | ||||||||||
Real estate secured: | |||||||||||||||
Commercial | $ | 97,476 | $ | 5,040 | $ | 14,328 | $ | - | $ | 116,844 | |||||
Construction and land development | 12,652 | 1,999 | 1,252 | - | 15,903 | ||||||||||
Residential 1-4 family | 234,639 | 1,911 | 11,904 | - | 248,454 | ||||||||||
Multifamily | 11,444 | - | 429 | - | 11,873 | ||||||||||
Farmland | 17,840 | 405 | 8,141 | - | 26,386 | ||||||||||
Total real estate loans | 374,051 | 9,355 | 36,054 | - | 419,460 | ||||||||||
Commercial | 17,534 | 2,794 | 958 | - | 21,286 | ||||||||||
Agriculture | 3,816 | - | 107 | - | 3,923 | ||||||||||
Consumer installment loans | 26,716 | - | 145 | - | 26,861 | ||||||||||
All other loans | 116 | - | - | - | 116 | ||||||||||
Total | $ | 422,233 | $ | 12,149 | $ | 37,264 | $ | - | $ | 471,646 | |||||
As of December 31, 2013 | Special | ||||||||||||||
(Dollars are in thousands) | Pass | Mention | Substandard | Doubtful | Total | ||||||||||
Real estate secured: | |||||||||||||||
Commercial | $ | 100,403 | $ | 4,586 | $ | 21,185 | $ | - | $ | 126,174 | |||||
Construction and land development | 19,138 | 2,107 | 1,176 | - | 22,421 | ||||||||||
Residential 1-4 family | 234,857 | 1,916 | 12,213 | 201 | 249,187 | ||||||||||
Multifamily | 10,777 | 266 | 439 | - | 11,482 | ||||||||||
Farmland | 19,935 | 411 | 8,546 | - | 28,892 | ||||||||||
Total real estate loans | 385,110 | 9,286 | 43,559 | 201 | 438,156 | ||||||||||
Commercial | 23,258 | 634 | 1,034 | 29 | 24,955 | ||||||||||
Agriculture | 3,583 | 11 | 124 | - | 3,718 | ||||||||||
Consumer installment loans | 25,879 | - | 176 | - | 26,055 | ||||||||||
All other loans | 139 | - | - | - | 139 | ||||||||||
Total | $ | 437,969 | $ | 9,931 | $ | 44,893 | $ | 230 | $ | 493,023 | |||||
Allowance_For_Loan_Losses
Allowance For Loan Losses | 6 Months Ended | ||||||||||||
Jun. 30, 2014 | |||||||||||||
Allowance For Loan Losses [Abstract] | ' | ||||||||||||
Allowance For Loan Losses | ' | ||||||||||||
NOTE 7 ALLOWANCE FOR LOAN LOSSES: | |||||||||||||
The following table details activity in the allowance for loan losses by portfolio segment for the period ended June 30, 2014. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. | |||||||||||||
As of June 30, 2014 | Beginning | Charge | Ending Balance | ||||||||||
(Dollars are in thousands) | Balance | Offs | Recoveries | Advances | Provisions | ||||||||
Real estate secured: | |||||||||||||
Commercial | $ | 5,203 | $ | -1,004 | $ | 58 | $ | - | $ | -586 | $ | 3,671 | |
Construction and land development | 1,184 | -34 | 13 | - | -388 | 775 | |||||||
Residential 1-4 family | 3,316 | -348 | 39 | - | 601 | 3,608 | |||||||
Multifamily | 133 | - | - | - | 48 | 181 | |||||||
Farmland | 1,224 | -224 | - | - | 113 | 1,113 | |||||||
Total real estate loans | 11,060 | -1,610 | 110 | - | -212 | 9,348 | |||||||
Commercial | 1,147 | - | 20 | - | -560 | 607 | |||||||
Agriculture | 337 | -1 | - | - | -166 | 170 | |||||||
Consumer installment loans | 153 | -39 | 16 | - | 31 | 161 | |||||||
All other loans | 2 | - | - | - | -1 | 1 | |||||||
Unallocated | 381 | - | - | - | 908 | 1,289 | |||||||
Total | $ | 13,080 | $ | -1,650 | $ | 146 | $ | - | $ | - | $ | 11,576 | |
Allowance for Loan Losses | Recorded Investment in Loans | ||||||||||||
Individually | Collectively Evaluated for Impairment | Individually | Collectively Evaluated for Impairment | ||||||||||
Evaluated | Evaluated for Impairment | ||||||||||||
As of June 30, 2014 | for Impairment | ||||||||||||
(Dollars are in thousands) | Total | Total | |||||||||||
Real estate secured: | |||||||||||||
Commercial | $ | 893 | $ | 2,778 | $ | 3,671 | $ | 15,720 | $ | 101,124 | $ | 116,844 | |
Construction and land | 218 | 557 | 775 | 1,002 | 14,901 | 15,903 | |||||||
development | |||||||||||||
Residential 1-4 family | 1,288 | 2,320 | 3,608 | 7,395 | 241,059 | 248,454 | |||||||
Multifamily | 75 | 106 | 181 | 751 | 11,122 | 11,873 | |||||||
Farmland | 560 | 553 | 1,113 | 8,242 | 18,144 | 26,386 | |||||||
Total real estate loans | 3,034 | 6,314 | 9,348 | 33,110 | 386,350 | 419,460 | |||||||
Commercial | 39 | 568 | 607 | 859 | 20,427 | 21,286 | |||||||
Agriculture | 36 | 134 | 170 | 101 | 3,822 | 3,923 | |||||||
Consumer installment loans | - | 161 | 161 | 19 | 26,842 | 26,861 | |||||||
All other loans | - | 1 | 1 | - | 116 | 116 | |||||||
Unallocated | - | 1,289 | 1,289 | - | - | - | |||||||
Total | $ | 3,109 | $ | 8,467 | $ | 11,576 | $ | 34,089 | $ | 437,557 | $ | 471,646 | |
The following table details activity in the allowance for loan losses by portfolio segment for the period ended December 31, 2013. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. | |||||||||||||
As of December 31, 2013 | Beginning | Charge | Ending Balance | ||||||||||
(Dollars are in thousands) | Balance | Offs | Recoveries | Advances | Provisions | ||||||||
Real estate secured: | |||||||||||||
Commercial | $ | 6,720 | $ | -2,811 | $ | 439 | $ | - | $ | 855 | $ | 5,203 | |
Construction and land development | 2,166 | -312 | 452 | - | -1,122 | 1,184 | |||||||
Residential 1-4 family | 3,050 | -1,143 | 576 | - | 833 | 3,316 | |||||||
Multifamily | 552 | - | - | - | -419 | 133 | |||||||
Farmland | 1,074 | -749 | 68 | - | 831 | 1,224 | |||||||
Total real estate loans | 13,562 | -5,015 | 1,535 | - | 978 | 11,060 | |||||||
Commercial | 1,772 | -513 | 50 | - | -162 | 1,147 | |||||||
Agriculture | 533 | -363 | 51 | - | 116 | 337 | |||||||
Consumer installment loans | 388 | -153 | 128 | - | -210 | 153 | |||||||
All other loans | 4 | - | - | - | -2 | 2 | |||||||
Unallocated | 551 | - | - | - | -170 | 381 | |||||||
Total | $ | 16,810 | $ | -6,044 | $ | 1,764 | $ | - | $ | 550 | $ | 13,080 | |
Allowance for Loan Losses | Recorded Investment in Loans | ||||||||||||
Individually | Collectively Evaluated for Impairment | Individually | Collectively Evaluated for Impairment | ||||||||||
Evaluated | Evaluated for Impairment | ||||||||||||
As of December 31, 2013 | for Impairment | ||||||||||||
(Dollars are in thousands) | Total | Total | |||||||||||
Real estate secured: | |||||||||||||
Commercial | $ | 1,942 | $ | 3,261 | $ | 5,203 | $ | 21,899 | $ | 104,275 | $ | 126,174 | |
Construction and land | 138 | 1,046 | 1,184 | 890 | 21,531 | 22,421 | |||||||
development | |||||||||||||
Residential 1-4 family | 1,180 | 2,136 | 3,316 | 8,015 | 241,172 | 249,187 | |||||||
Multifamily | 39 | 94 | 133 | 594 | 10,888 | 11,482 | |||||||
Farmland | 653 | 571 | 1,224 | 8,642 | 20,250 | 28,892 | |||||||
Total real estate loans | 3,952 | 7,108 | 11,060 | 40,040 | 398,116 | 438,156 | |||||||
Commercial | 208 | 939 | 1,147 | 987 | 23,968 | 24,955 | |||||||
Agriculture | 43 | 294 | 337 | 115 | 3,603 | 3,718 | |||||||
Consumer installment loans | 3 | 150 | 153 | 34 | 26,021 | 26,055 | |||||||
All other loans | - | 2 | 2 | - | 139 | 139 | |||||||
Unallocated | - | 381 | 381 | - | - | - | |||||||
Total | $ | 4,206 | $ | 8,874 | $ | 13,080 | $ | 41,176 | $ | 451,847 | $ | 493,023 | |
In determining the amount of our allowance, we rely on an analysis of our loan portfolio, our experience and our evaluation of general economic conditions, as well as the requirements of the written agreement and other regulatory input. If our assumptions prove to be incorrect, our current allowance may not be sufficient to cover future loan losses and we may experience significant increases to our provision. | |||||||||||||
Troubled_Debt_Restructurings
Troubled Debt Restructurings | 6 Months Ended | |||||||||||
Jun. 30, 2014 | ||||||||||||
Troubled Debt Restructurings [Abstract] | ' | |||||||||||
Troubled Debt Restructurings | ' | |||||||||||
NOTE 8 TROUBLED DEBT RESTRUCTURINGS: | ||||||||||||
At June 30, 2014 there were $8.9 million in loans that are classified as troubled debt restructurings compared to $12.3 million at December 31, 2013. The following table presents information related to loans modified as troubled debt restructurings during the six and three months ended June 30, 2014 and 2013. | ||||||||||||
For the six months ended | For the six months ended | |||||||||||
30-Jun-14 | 30-Jun-13 | |||||||||||
Pre-Mod. Recorded Investment | Post-Mod. | Pre-Mod. | Post-Mod. | |||||||||
Troubled Debt Restructurings | # of Loans | Recorded | # of | Recorded Investment | Recorded | |||||||
(Dollars are in thousands) | Investment | Loans | Investment | |||||||||
Real estate secured: | ||||||||||||
Commercial | - | $ | - | $ | - | 1 | $ | 288 | $ | 288 | ||
Construction and land | - | - | - | - | - | - | ||||||
Development | ||||||||||||
Residential 1-4 family | - | - | - | - | - | - | ||||||
Multifamily | - | - | - | - | - | - | ||||||
Farmland | - | - | - | - | - | - | ||||||
Total real estate loans | - | - | - | 1 | 288 | 288 | ||||||
Commercial | - | - | - | 1 | 51 | 32 | ||||||
Agriculture | - | - | - | - | - | - | ||||||
Consumer installment loans | - | - | - | 1 | 14 | 14 | ||||||
All other loans | - | - | - | - | - | - | ||||||
Total | - | $ | - | $ | - | 3 | $ | 353 | $ | 334 | ||
For the three months ended | For the three months ended | |||||||||||
30-Jun-14 | 30-Jun-13 | |||||||||||
Pre-Mod. Recorded Investment | Post-Mod. | Pre-Mod. | Post-Mod. | |||||||||
Troubled Debt Restructurings | # of Loans | Recorded | # of | Recorded Investment | Recorded | |||||||
(Dollars are in thousands) | Investment | Loans | Investment | |||||||||
Real estate secured: | ||||||||||||
Commercial | - | $ | - | $ | - | - | $ | - | $ | - | ||
Construction and land | - | - | - | - | - | - | ||||||
Development | ||||||||||||
Residential 1-4 family | - | - | - | - | - | - | ||||||
Multifamily | - | - | - | - | - | - | ||||||
Farmland | - | - | - | - | - | - | ||||||
Total real estate loans | - | - | - | - | - | - | ||||||
Commercial | - | - | - | - | - | - | ||||||
Agriculture | - | - | - | - | - | - | ||||||
Consumer installment loans | - | - | - | - | - | - | ||||||
All other loans | - | - | - | - | - | - | ||||||
Total | - | $ | - | $ | - | - | $ | - | $ | - | ||
During the six months ended June 30, 2014, the Company modified no loans that were considered to be troubled debt restructurings. During the six months ended June 30, 2013, the Company modified 3 loans that were considered to be troubled debt restructurings. We modified the terms for 1 loan and on 2 loans we modified the terms and lowered the interest rate. | ||||||||||||
The following table presents information related to loans modified as a troubled debt restructurings that defaulted during the six and three months ended June 30, 2014 and 2013, and within twelve months of their modification date. A troubled debt restructuring is considered to be in default once it becomes 90 days or more past due following a modification. | ||||||||||||
Troubled Debt Restructurings | For the six months ended | For the six months ended | ||||||||||
That Subsequently Defaulted | 30-Jun-14 | 30-Jun-13 | ||||||||||
During the Period | # of | Recorded | # of | Recorded | ||||||||
(Dollars are in thousands) | Loans | Investment | Loans | Investment | ||||||||
Real estate secured: | ||||||||||||
Commercial | - | $ | - | - | $ | - | ||||||
Construction and land development | - | - | - | - | ||||||||
Residential 1-4 family | - | - | - | - | ||||||||
Multifamily | - | - | - | - | ||||||||
Farmland | - | - | - | - | ||||||||
Total real estate loans | - | - | - | - | ||||||||
Commercial | - | - | - | - | ||||||||
Agriculture | - | - | - | - | ||||||||
Consumer installment loans | - | - | - | - | ||||||||
All other loans | - | - | - | - | ||||||||
Total | - | $ | - | - | $ | - | ||||||
Troubled Debt Restructurings | For the three months ended | For the three months ended | ||||||||||
That Subsequently Defaulted | 30-Jun-14 | 30-Jun-13 | ||||||||||
During the Period | # of | Recorded | # of | Recorded | ||||||||
(Dollars are in thousands) | Loans | Investment | Loans | Investment | ||||||||
Real estate secured: | ||||||||||||
Commercial | - | $ | - | - | $ | - | ||||||
Construction and land development | - | - | - | - | ||||||||
Residential 1-4 family | - | - | - | - | ||||||||
Multifamily | - | - | - | - | ||||||||
Farmland | - | - | - | - | ||||||||
Total real estate loans | - | - | - | - | ||||||||
Commercial | - | - | - | - | ||||||||
Agriculture | - | - | - | - | ||||||||
Consumer installment loans | - | - | - | - | ||||||||
All other loans | - | - | - | - | ||||||||
Total | - | $ | - | - | $ | - | ||||||
In determination of the allowance for loan losses, management considers troubled debt restructurings and subsequent defaults in these restructurings in its estimate. The Company evaluates all troubled debt restructurings for possible further impairment. As a result, the allowance may be increased, adjustments may be made in the allocation of the allowance, or charge-offs may be taken to further writedown the carrying value of the loan. | ||||||||||||
Earnings_Per_Share
Earnings Per Share | 6 Months Ended | ||||||||
Jun. 30, 2014 | |||||||||
Earnings Per Share [Abstract] | ' | ||||||||
Earnings Per Share | ' | ||||||||
NOTE 9 EARNINGS PER SHARE: | |||||||||
Basic earnings per share computations are based on the weighted average number of shares outstanding during each year. Dilutive earnings per share reflect the additional common shares that would have been outstanding if dilutive potential common shares had been issued. Potential common shares that may be issued relate to outstanding options and common stock warrants are determined by the Treasury method. For the three and six months ended June 30, 2014 and 2013, potential common shares of 2,638,666 and 2,707,208, respectively, were anti-dilutive and were not included in the calculation. Basic and diluted net income (loss) per common share calculations follows: | |||||||||
(Amounts in Thousands, Except | For the three months | For the six months | |||||||
Share and Per Share Data) | ended June 30, | ended June 30, | |||||||
2014 | 2013 | 2014 | 2013 | ||||||
Net income (loss) | $ | -157 | $ | 945 | $ | -229 | $ | 1,092 | |
Weighted average shares outstanding | 21,872,293 | 21,871,063 | 21,872,293 | 21,869,768 | |||||
Dilutive shares for stock options and warrants | - | - | - | - | |||||
Weighted average dilutive shares outstanding | 21,872,293 | 21,871,063 | 21,872,293 | 21,869,768 | |||||
Basic income (loss) per share | $ | -0.01 | $ | 0.04 | $ | -0.01 | $ | 0.05 | |
Diluted income (loss) per share | $ | -0.01 | $ | 0.04 | $ | -0.01 | $ | 0.05 | |
Trust_Preferred_Securities_And
Trust Preferred Securities And Deferral Of Interest Payments | 6 Months Ended |
Jun. 30, 2014 | |
Trust Preferred Securities And Deferral Of Interest Payments[Abstract] | ' |
Trust Preferred Securities And Deferral Of Interest Payments | ' |
NOTE 10 TRUST PREFERRED SECURITIES AND DEFERRAL OF INTEREST PAYMENTS: | |
On September 27, 2006, the Company completed the issuance of $5.2 million in floating rate trust preferred securities offered by its wholly owned subsidiary, NPB Capital Trust 2. The proceeds of the funds were used for general corporate purposes, which include capital management for affiliates and the acquisition of two branch banks. The securities have a floating rate of 3 month LIBOR plus 177 basis points, which resets quarterly, with a current rate at June 30, 2014 of 2.00%. | |
On July 7, 2004, the Company completed the issuance of $11.3 million in floating rate trust preferred securities offered by its wholly owned subsidiary, NPB Capital Trust I. The proceeds of the funds were used for general corporate purposes which included capital management for affiliates, retirement of indebtedness and other investments. The securities have a floating rate of 3 month LIBOR plus 260 basis points, which resets quarterly, with a current rate at June 30, 2014 of 2.83%. | |
Under the terms of the subordinated debt transactions, the securities mature in 30 years and are redeemable, in whole or in part, without penalty, at the option of the Company after five years. Due to the ability to defer interest and principal payments for 60 months without being considered in default, the regulatory agencies consider the trust preferred securities as Tier 1 capital up to certain limits. | |
In October 2009, a restriction to pay dividends from the Bank to the Company was issued by the Federal Reserve Bank of Richmond. As a result, dividends on trust preferred securities issued by the Company shall be deferred until such restriction is removed. This deferral is for a period of 60 months, and could potentially continue until the 1st quarter of 2015. Although the Company has sufficient funds on hand at present to pay the deferred interest and avoid default, a decision of the regulatory authorities to permit payment is required and cannot be assured at this time. Dividends in arrears on the trust preferred securities were $2.2 million and $2.0 million as of June 30, 2014 and December 31, 2013, respectively and are included in accrued interest payable on the balance sheets. | |
Fair_Values
Fair Values | 6 Months Ended | ||||||||||
Jun. 30, 2014 | |||||||||||
Fair Values [Abstract] | ' | ||||||||||
Fair Values | ' | ||||||||||
NOTE 11 FAIR VALUES: | |||||||||||
The financial reporting standard, “Fair Value Measurements and Disclosures” provides a framework for measuring fair value under generally accepted accounting principles and requires disclosures about the fair value of assets and liabilities recognized in the balance sheet in periods subsequent to initial recognition, whether the measurements are made on a recurring basis (for example, available-for-sale investment securities) or on a nonrecurring basis (for example, impaired loans and other real estate acquired through foreclosure). | |||||||||||
Fair value is the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. Fair Value Measurements and Disclosures also establishes fair value hierarchy which 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 value: | |||||||||||
Level 1: Quoted prices in active markets for identical assets or liabilities. Level 1 assets and liabilities include debt and equity securities and derivative contracts that are traded in an exchange market, as well as U. S. Treasury, other U. S. Government and agency mortgage-backed debt securities that are highly liquid and are actively traded in over-the-counter markets. | |||||||||||
Level 2: Observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 2 assets and liabilities include debt securities with quoted prices that are traded less frequently than exchange-traded instruments and derivative contracts whose value is determined using a pricing model with inputs that are observable in the market or can be derived principally from or corroborated by observable market data. This category generally includes certain derivative contracts and impaired loans. | |||||||||||
Level 3: Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets and liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. For example, this category generally includes certain private equity investments, retained residual interests in securitizations, residential mortgage servicing rights, and highly structured or long-term derivative contracts. | |||||||||||
Investment Securities Available-for-Sale – Investment securities available-for-sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices. The Company’s available-for-sale securities, totaling $85.8 million and $79.1 million at June 30, 2014 and December 31, 2013, respectively, are the only assets whose fair values are measured on a recurring basis using Level 2 inputs from an independent pricing service. | |||||||||||
Loans - The Company does not record loans at fair value on a recurring basis. Real estate serves as collateral on a substantial majority of the Company’s loans. From time to time a loan is considered impaired and an allowance for loan losses is established. Loans which are deemed to be impaired and require a reserve are primarily valued on a non-recurring basis at the fair values of the underlying real estate collateral. Such fair values are obtained using independent appraisals, which management evaluates and determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, or an appraised value does not include estimated costs of disposition and management must make an estimate, the Company records the impaired loan as nonrecurring Level 3. The aggregate carrying amounts of impaired loans carried at fair value were $31.0 million and $37.0 million at June 30, 2014 and December 31, 2013, respectively. | |||||||||||
Foreclosed Assets – Foreclosed assets are adjusted to fair value upon transfer of the loans to foreclosed assets. Foreclosed assets are carried at the lower of the carrying value or fair value. Fair value is based upon independent observable market prices or appraised values of the collateral with a third party estimate of disposition costs, which the Company considers to be level 2 inputs. When the appraised value is not available, management determines the fair value of the collateral if further impaired below the appraised value and there is no observable market price, or an appraised value does not include estimated costs of disposition and management must make an estimate, the Company records the foreclosed asset as nonrecurring Level 3. The aggregate carrying amounts of foreclosed assets were $14.4 million and $15.9 million at June 30, 2014 and December 31, 2013, respectively. | |||||||||||
Assets and liabilities measured at fair value are as follows as of June 30, 2014 (for purpose of this table the impaired loans are shown net of the related allowance): | |||||||||||
Quoted market price in active markets | Significant unobservable inputs | ||||||||||
(Level 1) | Significant other observable inputs | (Level 3) | |||||||||
(Level 2) | |||||||||||
(Dollars are in thousands) | |||||||||||
(On a recurring basis) | |||||||||||
Available-for-sale investments | |||||||||||
U.S. Government Agencies | $ | - | $ | 39,709 | $ | - | |||||
Mortgage backed securities | - | 46,122 | - | ||||||||
(On a non-recurring basis) | - | - | 14,381 | ||||||||
Other real estate owned | |||||||||||
Impaired loans: | |||||||||||
Real estate secured: | |||||||||||
Commercial | - | - | 14,827 | ||||||||
Construction and land development | - | - | 784 | ||||||||
Residential 1-4 family | - | - | 6,107 | ||||||||
Multifamily | - | - | 676 | ||||||||
Farmland | - | - | 7,682 | ||||||||
Commercial | - | - | 820 | ||||||||
Agriculture | - | - | 65 | ||||||||
Consumer installment loans | - | - | 19 | ||||||||
All other loans | - | - | - | ||||||||
Total | $ | - | $ | 85,831 | $ | 45,361 | |||||
Assets and liabilities measured at fair value are as follows as of December 31, 2013 (for purpose of this table the impaired loans are shown net of the related allowance): | |||||||||||
Quoted market price in active markets | Significant unobservable inputs | ||||||||||
(Level 1) | Significant other observable inputs | (Level 3) | |||||||||
(Level 2) | |||||||||||
(Dollars are in thousands) | |||||||||||
(On a recurring basis) | |||||||||||
Available-for-sale investments | |||||||||||
U.S. Government Agencies | $ | - | $ | 38,601 | $ | - | |||||
Mortgage backed securities | - | 40,525 | - | ||||||||
(On a non-recurring basis) | - | - | 15,853 | ||||||||
Other real estate owned | |||||||||||
Impaired loans: | |||||||||||
Real estate secured: | |||||||||||
Commercial | - | - | 19,957 | ||||||||
Construction and land development | - | - | 752 | ||||||||
Residential 1-4 family | - | - | 6,835 | ||||||||
Multifamily | - | - | 555 | ||||||||
Farmland | - | - | 7,989 | ||||||||
Commercial | - | - | 779 | ||||||||
Agriculture | - | - | 72 | ||||||||
Consumer installment loans | - | - | 31 | ||||||||
All other loans | - | - | - | ||||||||
Total | $ | - | $ | 79,126 | $ | 52,823 | |||||
For Level 3 assets measured at fair value on a recurring or non-recurring basis as of June 30, 2014, the significant unobservable inputs used in the fair value measurements were as follows: | |||||||||||
For Level 3 assets measured at fair value on a recurring or non-recurring basis as of March 31, 2014, the significant unobservable inputs used in the fair value measurements were as follows: | |||||||||||
General Range of Significant Unobservable Input Values | |||||||||||
Fair Value at June 30, | |||||||||||
2014 | Valuation Technique | Significant Unobservable Inputs | |||||||||
(Dollars in thousands) | |||||||||||
Impaired Loans | $ | 30,980 | Appraised Value/Discounted Cash Flows/Market Value of Note | Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell | 0 – 18% | ||||||
Other Real Estate Owned | $ | 14,381 | Appraised Value/Comparable Sales/Other Estimates from Independent Sources | Discounts to reflect current market conditions and estimated costs to sell | 0 – 18% | ||||||
Fair Value of Financial Instruments | |||||||||||
Fair value information about financial instruments, whether or not recognized in the balance sheet, for which it is practical to estimate the value is based upon the characteristics of the instruments and relevant market information. Financial instruments include cash, evidence of ownership in an entity, or contracts that convey or impose on an entity that contractual right or obligation to either receive or deliver cash for another financial instrument. | |||||||||||
The following summary presents the methodologies and assumptions used to estimate the fair value of the Company’s financial instruments presented below. The information used to determine fair value is highly subjective and judgmental in nature and, therefore, the results may not be precise. Subjective factors include, among other things, estimates of cash flows, risk characteristics, credit quality, and interest rates, all of which are subject to change. Since the fair value is estimated as of the balance sheet date, the amounts that will actually be realized or paid upon settlement or maturity on these various instruments could be significantly different. | |||||||||||
The following presents the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments as of June 30, 2014 and December 31, 2013. This table excludes financial instruments for which the carrying amount approximates fair value. The carrying value of cash and due from banks, federal funds sold, interest-bearing deposits, deposits with no stated maturities, trust preferred securities and accrued interest approximates fair value. The remaining financial instruments were valued based on the present value of estimated future cash flows, discounted at various rates in effect for similar instruments during the months of June 2014 and December 2013. | |||||||||||
Fair Value Measurements | |||||||||||
Quoted market price in active markets | Significant other observable inputs | ||||||||||
(Level 1) | (Level 2) | Significant unobservable inputs | |||||||||
(Level 3) | |||||||||||
Carrying | Fair | ||||||||||
(Dollars are in thousands) | Amount | Value | |||||||||
30-Jun-14 | |||||||||||
Financial Instruments – Assets | |||||||||||
Net Loans | $ | 460,070 | $ | 461,632 | $ | - | $ | 430,652 | $ | 30,980 | |
Financial Instruments – Liabilities | |||||||||||
Time Deposits | 330,222 | 331,854 | - | 331,854 | - | ||||||
FHLB Advances | 4,758 | 4,758 | - | 4,758 | - | ||||||
31-Dec-13 | |||||||||||
Financial Instruments – Assets | |||||||||||
Net Loans | $ | 479,943 | $ | 482,285 | $ | - | $ | 445,315 | $ | 36,970 | |
Financial Instruments – Liabilities | |||||||||||
Time Deposits | 346,991 | 348,944 | - | 348,944 | - | ||||||
FHLB Advances | 5,358 | 5,358 | - | 5,358 | - | ||||||
Subsequent_Events
Subsequent Events | 6 Months Ended |
Jun. 30, 2014 | |
Subsequent Events [Abstract] | ' |
Subsequent Events | ' |
NOTE 12 SUBSEQUENT EVENTS: | |
In July, 2014 it was announced that the decision had been made to close four of our branch locations. The locations are Bland, Norton, and Jonesville, Virginia and Bluewell, West Virginia. At this time management expects to retain two of the branches for administrative uses and also possible future expansion of NPB Insurance Services, Inc. Management is still discussing the possible uses of the other two branches with a book value of $1.6 million, including the possible sale of these branches. Future losses may be incurred as a result of the potential writedown of these locations to fair value if the decision is made to sell the branches. | |
Recent_Accounting_Developments
Recent Accounting Developments | 6 Months Ended |
Jun. 30, 2014 | |
Recent Accounting Developments [Abstract] | ' |
Recent Accounting Developments | ' |
NOTE 13 RECENT ACCOUNTING DEVELOPMENTS: | |
The following is a summary of recent authoritative announcements: | |
In January 2014, the Financial Accounting Standards Board (“FASB”) amended the Receivables—Troubled Debt Restructurings by Creditors subtopic of the Accounting Standards Codification to address the reclassification of consumer mortgage loans collateralized by residential real estate upon foreclosure. The amendments clarify the criteria for concluding that an in substance repossession or foreclosure has occurred, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan. The amendments also outline interim and annual disclosure requirements. The amendments will be effective for the Company for interim and annual reporting periods beginning after December 15, 2014. Companies are allowed to use either a modified retrospective transition method or a prospective transition method when adopting this update. Early adoption is permitted. The Company does not expect these amendments to have a material effect on its financial statements. | |
Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company’s financial position, results of operations or cash flows. | |
Accounting_Principles_Policy
Accounting Principles (Policy) | 6 Months Ended |
Jun. 30, 2014 | |
Accounting Principles [Abstract] | ' |
Basis of Accounting | ' |
The financial statements conform to U. S. generally accepted accounting principles and to general industry practices. In the opinion of management, the accompanying unaudited financial statements contain all adjustments (consisting of only normal recurring accruals) necessary to present fairly the financial position at June 30, 2014, and the results of operations for the three and six month periods ended June 30, 2014 and 2013. The notes included herein should be read in conjunction with the notes to financial statements included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2013. The results of operations for the three and six month periods ended June 30, 2014 and 2013 are not necessarily indicative of the results to be expected for the full year. | |
The preparation of financial statements in conformity with generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. The determination of the adequacy of the allowance for loan losses and the determination of the deferred tax asset and valuation allowance are based on estimates that are particularly susceptible to significant changes in the economic environment and market conditions. | |
Capital_Tables
Capital (Tables) | 6 Months Ended | ||||||||
Jun. 30, 2014 | |||||||||
Capital [Abstract] | ' | ||||||||
Schedule Of Capital Requirements | ' | ||||||||
Actual | Minimum Capital Requirement | Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions | |||||||
(Dollars are in thousands) | Amount | Ratio | Amount | Ratio | Amount | Ratio | |||
June 30, 2014: | |||||||||
Total Capital to Risk Weighted Assets: | |||||||||
The Company | $ | 57,442 | 14.86% | $ 30,918 | 8% | $ | N/A | N/A | |
The Bank | 56,064 | 14.49% | 30,946 | 8% | 38,682 | 10% | |||
Tier 1 Capital to Risk Weighted Assets: | |||||||||
The Company | 50,092 | 12.96% | 15,459 | 4% | N/A | N/A | |||
The Bank | 51,146 | 13.22% | 15,473 | 4% | 23,209 | 6% | |||
Tier 1 Capital to Average Assets: | |||||||||
The Company | 50,092 | 7.33% | 27,336 | 4% | N/A | N/A | |||
The Bank | 51,146 | 7.48% | 27,348 | 4% | 34,185 | 5% | |||
December 31, 2013: | |||||||||
Total Capital to Risk Weighted Assets: | |||||||||
The Company | $ | 58,305 | 14.39% | $ | 8% | $ | N/A | N/A | |
32,417 | |||||||||
The Bank | 56,602 | 13.96% | 32,430 | 8% | 40,538 | 10% | |||
Tier 1 Capital to Risk Weighted Assets: | |||||||||
The Company | 50,776 | 12.53% | 16,208 | 4% | N/A | N/A | |||
The Bank | 51,436 | 12.69% | 16,215 | 4% | 24,323 | 6% | |||
Tier 1 Capital to Average Assets: | |||||||||
The Company | 50,776 | 7.40% | 27,445 | 4% | N/A | N/A | |||
The Bank | 51,436 | 7.49% | 27,460 | 4% | 34,326 | 5% | |||
Investment_Securities_Tables
Investment Securities (Tables) | 6 Months Ended | |||||||||||||
Jun. 30, 2014 | ||||||||||||||
Investment Securities [Abstract] | ' | |||||||||||||
Schedule Of Securities' Amortized Cost And Estimated Fair Value | ' | |||||||||||||
Gross | Gross | Approximate | ||||||||||||
Amortized | Unrealized | Unrealized | Fair | |||||||||||
(Dollars are in thousands) | Cost | Gains | Losses | Value | ||||||||||
30-Jun-14 | ||||||||||||||
U.S. Government Agencies | $ | 40,111 | $ | 181 | $ | 583 | $ | 39,709 | ||||||
Taxable municipals | - | - | - | - | ||||||||||
Tax-exempt municipals | - | - | - | - | ||||||||||
Mortgage backed securities | 46,415 | 104 | 397 | 46,122 | ||||||||||
Total Securities AFS | $ | 86,526 | $ | 285 | $ | 980 | $ | 85,831 | ||||||
31-Dec-13 | ||||||||||||||
U.S. Government Agencies | $ | 39,296 | $ | 246 | $ | 941 | $ | 38,601 | ||||||
Taxable municipals | - | - | - | - | ||||||||||
Tax-exempt municipals | - | - | - | - | ||||||||||
Mortgage backed securities | 41,284 | 60 | 819 | 40,525 | ||||||||||
Total Securities AFS | $ | 80,580 | $ | 306 | $ | 1,760 | $ | 79,126 | ||||||
Schedule Of Fair Value And Gross Unrealized Losses On Investment Securities In A Continuous Unrealized Loss Position | ' | |||||||||||||
Less than 12 Months | 12 Months or More | Total | ||||||||||||
Fair Value | Unrealized | Fair | Unrealized | Fair | Unrealized | |||||||||
(Dollars are in thousands) | Losses | Value | Losses | Value | Losses | |||||||||
30-Jun-14 | ||||||||||||||
U.S. Government Agencies | $ | 10,037 | $ | 72 | $ | 13,583 | $ | 511 | $ | 23,620 | $ | 583 | ||
Mtg. backed securities | 16,931 | 114 | 16,785 | 283 | 33,716 | 397 | ||||||||
Total Securities AFS | $ | 26,968 | $ | 186 | $ | 30,368 | $ | 794 | $ | 57,336 | $ | 980 | ||
31-Dec-13 | ||||||||||||||
U.S. Government Agencies | $ | 26,090 | $ | 936 | $ | 570 | $ | 5 | $ | 26,660 | $ | 941 | ||
Mtg. backed securities | 27,461 | 693 | 5,046 | 126 | 32,507 | 819 | ||||||||
Total Securities AFS | $ | 53,551 | $ | 1,629 | $ | 5,616 | $ | 131 | $ | 59,167 | $ | 1,760 | ||
The Amortized Cost And Fair Value Of Investment Securities' Contractual Maturity | ' | |||||||||||||
Weighted | ||||||||||||||
(Dollars are in thousands) | Amortized | Fair | Average | |||||||||||
Securities Available-for-Sale | Cost | Value | Yield | |||||||||||
Due in one year or less | $ | 51 | $ | 52 | 2.28% | |||||||||
Due after one year through five years | 1,551 | 1,551 | 0.97% | |||||||||||
Due after five years through fifteen years | 32,195 | 32,155 | 1.73% | |||||||||||
Due after fifteen years | 52,729 | 52,073 | 1.84% | |||||||||||
Total | $ | 86,526 | $ | 85,831 | 1.78% | |||||||||
Loans_Tables
Loans (Tables) | 6 Months Ended | ||||||||||||||
Jun. 30, 2014 | |||||||||||||||
Loans [Abstract] | ' | ||||||||||||||
Summary Of Loans Receivable Outstanding | ' | ||||||||||||||
(Dollars are in thousands) | 30-Jun-14 | 31-Dec-13 | |||||||||||||
Real estate secured: | |||||||||||||||
Commercial | $ | 116,844 | $ | 126,174 | |||||||||||
Construction and land development | 15,903 | 22,421 | |||||||||||||
Residential 1-4 family | 248,454 | 249,187 | |||||||||||||
Multifamily | 11,873 | 11,482 | |||||||||||||
Farmland | 26,386 | 28,892 | |||||||||||||
Total real estate loans | 419,460 | 438,156 | |||||||||||||
Commercial | 21,286 | 24,955 | |||||||||||||
Agriculture | 3,923 | 3,718 | |||||||||||||
Consumer installment loans | 26,861 | 26,055 | |||||||||||||
All other loans | 116 | 139 | |||||||||||||
Total loans | $ | 471,646 | $ | 493,023 | |||||||||||
Summary Of Loans Receivable On Nonaccrual Status | ' | ||||||||||||||
(Dollars are in thousands) | 30-Jun-14 | 31-Dec-13 | |||||||||||||
Real estate secured: | |||||||||||||||
Commercial | $ | 11,328 | $ | 16,098 | |||||||||||
Construction and land development | 743 | 775 | |||||||||||||
Residential 1-4 family | 6,975 | 4,852 | |||||||||||||
Multifamily | 164 | 171 | |||||||||||||
Farmland | 4,951 | 5,315 | |||||||||||||
Total real estate loans | 24,161 | 27,211 | |||||||||||||
Commercial | 859 | 947 | |||||||||||||
Agriculture | 40 | 45 | |||||||||||||
Consumer installment loans | 53 | 104 | |||||||||||||
All other loans | - | - | |||||||||||||
Total loans receivable on nonaccrual status | $ | 25,113 | $ | 28,307 | |||||||||||
Summary Of Impaired Loans | ' | ||||||||||||||
Average | Interest | Unpaid Principal Balance | |||||||||||||
As of June 30, 2014 | Recorded | Income | Recorded | Related | |||||||||||
(Dollars are in thousands) | Investment | Recognized | Investment | Allowance | |||||||||||
With no related allowance recorded: | |||||||||||||||
Real estate secured: | |||||||||||||||
Commercial | $ | 11,969 | $ | 126 | $ | 10,754 | $ | 11,574 | $ | - | |||||
Construction and land development | 282 | 1 | 202 | 213 | - | ||||||||||
Residential 1-4 family | 2,690 | 52 | 2,441 | 2,643 | - | ||||||||||
Multifamily | 324 | 8 | 322 | 322 | - | ||||||||||
Farmland | 4,980 | 77 | 5,997 | 6,733 | - | ||||||||||
Commercial | 310 | - | 298 | 298 | - | ||||||||||
Agriculture | 66 | 2 | 65 | 81 | - | ||||||||||
Consumer installment loans | 9 | - | 13 | 13 | - | ||||||||||
All other loans | - | - | - | - | - | ||||||||||
With an allowance recorded: | |||||||||||||||
Real estate secured: | |||||||||||||||
Commercial | 7,738 | 76 | 4,966 | 5,423 | 893 | ||||||||||
Construction and land development | 639 | 13 | 800 | 897 | 218 | ||||||||||
Residential 1-4 family | 5,198 | 113 | 4,954 | 5,161 | 1,288 | ||||||||||
Multifamily | 321 | 13 | 429 | 429 | 75 | ||||||||||
Farmland | 3,527 | 60 | 2,245 | 2,272 | 560 | ||||||||||
Commercial | 633 | 2 | 561 | 669 | 39 | ||||||||||
Agriculture | 43 | 1 | 36 | 36 | 36 | ||||||||||
Consumer installment loans | 16 | - | 6 | 6 | - | ||||||||||
All other loans | - | - | - | - | - | ||||||||||
Total | $ | 38,745 | $ | 544 | $ | 34,089 | $ | 36,770 | $ | 3,109 | |||||
Average | Interest | Unpaid Principal Balance | |||||||||||||
As of December 31, 2013 | Recorded | Income | Recorded | Related | |||||||||||
(Dollars are in thousands) | Investment | Recognized | Investment | Allowance | |||||||||||
With no related allowance recorded: | |||||||||||||||
Real estate secured: | |||||||||||||||
Commercial | $ | 16,270 | $ | 300 | $ | 9,807 | $ | 10,276 | $ | - | |||||
Construction and land development | 2,246 | 26 | 336 | 345 | - | ||||||||||
Residential 1-4 family | 4,276 | 126 | 2,557 | 2,727 | - | ||||||||||
Multifamily | 652 | 16 | 326 | 326 | - | ||||||||||
Farmland | 4,260 | 166 | 2,533 | 2,670 | - | ||||||||||
Commercial | 717 | 7 | 315 | 423 | - | ||||||||||
Agriculture | 71 | 6 | 60 | 60 | - | ||||||||||
Consumer installment loans | 51 | 2 | 12 | 12 | - | ||||||||||
All other loans | - | - | - | - | - | ||||||||||
With an allowance recorded: | |||||||||||||||
Real estate secured: | |||||||||||||||
Commercial | 12,080 | 441 | 12,092 | 13,924 | 1,942 | ||||||||||
Construction and land development | 492 | 9 | 554 | 640 | 138 | ||||||||||
Residential 1-4 family | 3,980 | 260 | 5,458 | 5,824 | 1,180 | ||||||||||
Multifamily | 561 | 17 | 268 | 268 | 39 | ||||||||||
Farmland | 4,116 | 114 | 6,109 | 6,797 | 653 | ||||||||||
Commercial | 1,012 | 3 | 672 | 740 | 208 | ||||||||||
Agriculture | 138 | 4 | 55 | 71 | 43 | ||||||||||
Consumer installment loans | 22 | 2 | 22 | 22 | 3 | ||||||||||
All other loans | - | - | - | - | - | ||||||||||
Total | $ | 50,944 | $ | 1,499 | $ | 41,176 | $ | 45,125 | $ | 4,206 | |||||
Summary Of Age Analysis Of Past Due Loans Receivable | ' | ||||||||||||||
Accruing | |||||||||||||||
Loans | Loans | ||||||||||||||
Loans | Loans | 90 or | 90 or | ||||||||||||
30-59 | 60-89 | More | Total | More | |||||||||||
Days | Days | Days | Past | Days | |||||||||||
As of June 30, 2014 | Past | Past | Past | Due | Current | Total | Past | ||||||||
(Dollars are in thousands) | Due | Due | Due | Loans | Loans | Loans | Due | ||||||||
Real estate secured: | |||||||||||||||
Commercial | $ | 1,902 | $ | 547 | $ | 5,035 | $ | 7,484 | $ | 109,360 | $ | 116,844 | $ | - | |
Construction and land | 237 | 152 | 363 | 752 | 15,151 | 15,903 | - | ||||||||
development | |||||||||||||||
Residential 1-4 family | 6,202 | 1,798 | 2,014 | 10,014 | 238,440 | 248,454 | - | ||||||||
Multifamily | 246 | - | - | 246 | 11,627 | 11,873 | - | ||||||||
Farmland | 130 | 32 | 3,870 | 4,032 | 22,354 | 26,386 | - | ||||||||
Total real estate loans | 8,717 | 2,529 | 11,282 | 22,528 | 396,932 | 419,460 | - | ||||||||
Commercial | 570 | - | 343 | 913 | 20,373 | 21,286 | - | ||||||||
Agriculture | 8 | - | 40 | 48 | 3,875 | 3,923 | - | ||||||||
Consumer installment | 181 | 20 | 23 | 224 | 26,637 | 26,861 | - | ||||||||
Loans | |||||||||||||||
All other loans | 13 | 6 | - | 19 | 97 | 116 | - | ||||||||
Total loans | $ | 9,489 | $ | 2,555 | $ | 11,688 | $ | 23,732 | $ | 447,914 | $ | 471,646 | $ | - | |
Accruing | |||||||||||||||
Loans | Loans | ||||||||||||||
Loans | Loans | 90 or | 90 or | ||||||||||||
30-59 | 60-89 | More | Total | More | |||||||||||
Days | Days | Days | Past | Days | |||||||||||
As of December 31, 2013 | Past | Past | Past | Due | Current | Total | Past | ||||||||
(Dollars are in thousands) | Due | Due | Due | Loans | Loans | Loans | Due | ||||||||
Real estate secured: | |||||||||||||||
Commercial | $ | 7,192 | $ | 1,713 | $ | 4,174 | $ | 13,079 | $ | 113,095 | $ | 126,174 | $ | - | |
Construction and land | 505 | 183 | 347 | 1,035 | 21,386 | 22,421 | - | ||||||||
development | |||||||||||||||
Residential 1-4 family | 6,391 | 1,067 | 1,271 | 8,729 | 240,458 | 249,187 | - | ||||||||
Multifamily | - | 436 | - | 436 | 11,046 | 11,482 | - | ||||||||
Farmland | 1,869 | 137 | 3,986 | 5,992 | 22,900 | 28,892 | - | ||||||||
Total real estate loans | 15,957 | 3,536 | 9,778 | 29,271 | 408,885 | 438,156 | - | ||||||||
Commercial | 135 | 14 | 902 | 1,051 | 23,904 | 24,955 | - | ||||||||
Agriculture | 26 | 20 | 13 | 59 | 3,659 | 3,718 | - | ||||||||
Consumer installment | 241 | 48 | 8 | 297 | 25,758 | 26,055 | - | ||||||||
Loans | |||||||||||||||
All other loans | 11 | 7 | 1 | 19 | 120 | 139 | 1 | ||||||||
Total loans | $ | 16,370 | $ | 3,625 | $ | 10,702 | $ | 30,697 | $ | 462,326 | $ | 493,023 | $ | 1 | |
Summary Of Risk Category Of Loans Receivable | ' | ||||||||||||||
As of June 30, 2014 | Special | ||||||||||||||
(Dollars are in thousands) | Pass | Mention | Substandard | Doubtful | Total | ||||||||||
Real estate secured: | |||||||||||||||
Commercial | $ | 97,476 | $ | 5,040 | $ | 14,328 | $ | - | $ | 116,844 | |||||
Construction and land development | 12,652 | 1,999 | 1,252 | - | 15,903 | ||||||||||
Residential 1-4 family | 234,639 | 1,911 | 11,904 | - | 248,454 | ||||||||||
Multifamily | 11,444 | - | 429 | - | 11,873 | ||||||||||
Farmland | 17,840 | 405 | 8,141 | - | 26,386 | ||||||||||
Total real estate loans | 374,051 | 9,355 | 36,054 | - | 419,460 | ||||||||||
Commercial | 17,534 | 2,794 | 958 | - | 21,286 | ||||||||||
Agriculture | 3,816 | - | 107 | - | 3,923 | ||||||||||
Consumer installment loans | 26,716 | - | 145 | - | 26,861 | ||||||||||
All other loans | 116 | - | - | - | 116 | ||||||||||
Total | $ | 422,233 | $ | 12,149 | $ | 37,264 | $ | - | $ | 471,646 | |||||
As of December 31, 2013 | Special | ||||||||||||||
(Dollars are in thousands) | Pass | Mention | Substandard | Doubtful | Total | ||||||||||
Real estate secured: | |||||||||||||||
Commercial | $ | 100,403 | $ | 4,586 | $ | 21,185 | $ | - | $ | 126,174 | |||||
Construction and land development | 19,138 | 2,107 | 1,176 | - | 22,421 | ||||||||||
Residential 1-4 family | 234,857 | 1,916 | 12,213 | 201 | 249,187 | ||||||||||
Multifamily | 10,777 | 266 | 439 | - | 11,482 | ||||||||||
Farmland | 19,935 | 411 | 8,546 | - | 28,892 | ||||||||||
Total real estate loans | 385,110 | 9,286 | 43,559 | 201 | 438,156 | ||||||||||
Commercial | 23,258 | 634 | 1,034 | 29 | 24,955 | ||||||||||
Agriculture | 3,583 | 11 | 124 | - | 3,718 | ||||||||||
Consumer installment loans | 25,879 | - | 176 | - | 26,055 | ||||||||||
All other loans | 139 | - | - | - | 139 | ||||||||||
Total | $ | 437,969 | $ | 9,931 | $ | 44,893 | $ | 230 | $ | 493,023 | |||||
Allowance_For_Loan_Losses_Tabl
Allowance For Loan Losses (Tables) | 6 Months Ended | ||||||||||||
Jun. 30, 2014 | |||||||||||||
Allowance For Loan Losses [Abstract] | ' | ||||||||||||
Summary Of Activity In The Allowance For Loan Losses By Portfolio Segment | ' | ||||||||||||
As of June 30, 2014 | Beginning | Charge | Ending Balance | ||||||||||
(Dollars are in thousands) | Balance | Offs | Recoveries | Advances | Provisions | ||||||||
Real estate secured: | |||||||||||||
Commercial | $ | 5,203 | $ | -1,004 | $ | 58 | $ | - | $ | -586 | $ | 3,671 | |
Construction and land development | 1,184 | -34 | 13 | - | -388 | 775 | |||||||
Residential 1-4 family | 3,316 | -348 | 39 | - | 601 | 3,608 | |||||||
Multifamily | 133 | - | - | - | 48 | 181 | |||||||
Farmland | 1,224 | -224 | - | - | 113 | 1,113 | |||||||
Total real estate loans | 11,060 | -1,610 | 110 | - | -212 | 9,348 | |||||||
Commercial | 1,147 | - | 20 | - | -560 | 607 | |||||||
Agriculture | 337 | -1 | - | - | -166 | 170 | |||||||
Consumer installment loans | 153 | -39 | 16 | - | 31 | 161 | |||||||
All other loans | 2 | - | - | - | -1 | 1 | |||||||
Unallocated | 381 | - | - | - | 908 | 1,289 | |||||||
Total | $ | 13,080 | $ | -1,650 | $ | 146 | $ | - | $ | - | $ | 11,576 | |
As of December 31, 2013 | Beginning | Charge | Ending Balance | ||||||||||
(Dollars are in thousands) | Balance | Offs | Recoveries | Advances | Provisions | ||||||||
Real estate secured: | |||||||||||||
Commercial | $ | 6,720 | $ | -2,811 | $ | 439 | $ | - | $ | 855 | $ | 5,203 | |
Construction and land development | 2,166 | -312 | 452 | - | -1,122 | 1,184 | |||||||
Residential 1-4 family | 3,050 | -1,143 | 576 | - | 833 | 3,316 | |||||||
Multifamily | 552 | - | - | - | -419 | 133 | |||||||
Farmland | 1,074 | -749 | 68 | - | 831 | 1,224 | |||||||
Total real estate loans | 13,562 | -5,015 | 1,535 | - | 978 | 11,060 | |||||||
Commercial | 1,772 | -513 | 50 | - | -162 | 1,147 | |||||||
Agriculture | 533 | -363 | 51 | - | 116 | 337 | |||||||
Consumer installment loans | 388 | -153 | 128 | - | -210 | 153 | |||||||
All other loans | 4 | - | - | - | -2 | 2 | |||||||
Unallocated | 551 | - | - | - | -170 | 381 | |||||||
Total | $ | 16,810 | $ | -6,044 | $ | 1,764 | $ | - | $ | 550 | $ | 13,080 | |
Schedule Of Allocation Of Portion Of Allowance | ' | ||||||||||||
Allowance for Loan Losses | Recorded Investment in Loans | ||||||||||||
Individually | Collectively Evaluated for Impairment | Individually | Collectively Evaluated for Impairment | ||||||||||
Evaluated | Evaluated for Impairment | ||||||||||||
As of June 30, 2014 | for Impairment | ||||||||||||
(Dollars are in thousands) | Total | Total | |||||||||||
Real estate secured: | |||||||||||||
Commercial | $ | 893 | $ | 2,778 | $ | 3,671 | $ | 15,720 | $ | 101,124 | $ | 116,844 | |
Construction and land | 218 | 557 | 775 | 1,002 | 14,901 | 15,903 | |||||||
development | |||||||||||||
Residential 1-4 family | 1,288 | 2,320 | 3,608 | 7,395 | 241,059 | 248,454 | |||||||
Multifamily | 75 | 106 | 181 | 751 | 11,122 | 11,873 | |||||||
Farmland | 560 | 553 | 1,113 | 8,242 | 18,144 | 26,386 | |||||||
Total real estate loans | 3,034 | 6,314 | 9,348 | 33,110 | 386,350 | 419,460 | |||||||
Commercial | 39 | 568 | 607 | 859 | 20,427 | 21,286 | |||||||
Agriculture | 36 | 134 | 170 | 101 | 3,822 | 3,923 | |||||||
Consumer installment loans | - | 161 | 161 | 19 | 26,842 | 26,861 | |||||||
All other loans | - | 1 | 1 | - | 116 | 116 | |||||||
Unallocated | - | 1,289 | 1,289 | - | - | - | |||||||
Total | $ | 3,109 | $ | 8,467 | $ | 11,576 | $ | 34,089 | $ | 437,557 | $ | 471,646 | |
Allowance for Loan Losses | Recorded Investment in Loans | ||||||||||||
Individually | Collectively Evaluated for Impairment | Individually | Collectively Evaluated for Impairment | ||||||||||
Evaluated | Evaluated for Impairment | ||||||||||||
As of December 31, 2013 | for Impairment | ||||||||||||
(Dollars are in thousands) | Total | Total | |||||||||||
Real estate secured: | |||||||||||||
Commercial | $ | 1,942 | $ | 3,261 | $ | 5,203 | $ | 21,899 | $ | 104,275 | $ | 126,174 | |
Construction and land | 138 | 1,046 | 1,184 | 890 | 21,531 | 22,421 | |||||||
development | |||||||||||||
Residential 1-4 family | 1,180 | 2,136 | 3,316 | 8,015 | 241,172 | 249,187 | |||||||
Multifamily | 39 | 94 | 133 | 594 | 10,888 | 11,482 | |||||||
Farmland | 653 | 571 | 1,224 | 8,642 | 20,250 | 28,892 | |||||||
Total real estate loans | 3,952 | 7,108 | 11,060 | 40,040 | 398,116 | 438,156 | |||||||
Commercial | 208 | 939 | 1,147 | 987 | 23,968 | 24,955 | |||||||
Agriculture | 43 | 294 | 337 | 115 | 3,603 | 3,718 | |||||||
Consumer installment loans | 3 | 150 | 153 | 34 | 26,021 | 26,055 | |||||||
All other loans | - | 2 | 2 | - | 139 | 139 | |||||||
Unallocated | - | 381 | 381 | - | - | - | |||||||
Total | $ | 4,206 | $ | 8,874 | $ | 13,080 | $ | 41,176 | $ | 451,847 | $ | 493,023 | |
Troubled_Debt_Restructurings_T
Troubled Debt Restructurings (Tables) | 6 Months Ended | |||||||||||
Jun. 30, 2014 | ||||||||||||
Troubled Debt Restructurings [Abstract] | ' | |||||||||||
Schedule Of Loans Modified As Troubled Debt Restructurings | ' | |||||||||||
For the six months ended | For the six months ended | |||||||||||
30-Jun-14 | 30-Jun-13 | |||||||||||
Pre-Mod. Recorded Investment | Post-Mod. | Pre-Mod. | Post-Mod. | |||||||||
Troubled Debt Restructurings | # of Loans | Recorded | # of | Recorded Investment | Recorded | |||||||
(Dollars are in thousands) | Investment | Loans | Investment | |||||||||
Real estate secured: | ||||||||||||
Commercial | - | $ | - | $ | - | 1 | $ | 288 | $ | 288 | ||
Construction and land | - | - | - | - | - | - | ||||||
Development | ||||||||||||
Residential 1-4 family | - | - | - | - | - | - | ||||||
Multifamily | - | - | - | - | - | - | ||||||
Farmland | - | - | - | - | - | - | ||||||
Total real estate loans | - | - | - | 1 | 288 | 288 | ||||||
Commercial | - | - | - | 1 | 51 | 32 | ||||||
Agriculture | - | - | - | - | - | - | ||||||
Consumer installment loans | - | - | - | 1 | 14 | 14 | ||||||
All other loans | - | - | - | - | - | - | ||||||
Total | - | $ | - | $ | - | 3 | $ | 353 | $ | 334 | ||
For the three months ended | For the three months ended | |||||||||||
30-Jun-14 | 30-Jun-13 | |||||||||||
Pre-Mod. Recorded Investment | Post-Mod. | Pre-Mod. | Post-Mod. | |||||||||
Troubled Debt Restructurings | # of Loans | Recorded | # of | Recorded Investment | Recorded | |||||||
(Dollars are in thousands) | Investment | Loans | Investment | |||||||||
Real estate secured: | ||||||||||||
Commercial | - | $ | - | $ | - | - | $ | - | $ | - | ||
Construction and land | - | - | - | - | - | - | ||||||
Development | ||||||||||||
Residential 1-4 family | - | - | - | - | - | - | ||||||
Multifamily | - | - | - | - | - | - | ||||||
Farmland | - | - | - | - | - | - | ||||||
Total real estate loans | - | - | - | - | - | - | ||||||
Commercial | - | - | - | - | - | - | ||||||
Agriculture | - | - | - | - | - | - | ||||||
Consumer installment loans | - | - | - | - | - | - | ||||||
All other loans | - | - | - | - | - | - | ||||||
Total | - | $ | - | $ | - | - | $ | - | $ | - | ||
Schedule Of Troubled Debt Restructurings Subsequently Defaulted | ' | |||||||||||
Troubled Debt Restructurings | For the six months ended | For the six months ended | ||||||||||
That Subsequently Defaulted | 30-Jun-14 | 30-Jun-13 | ||||||||||
During the Period | # of | Recorded | # of | Recorded | ||||||||
(Dollars are in thousands) | Loans | Investment | Loans | Investment | ||||||||
Real estate secured: | ||||||||||||
Commercial | - | $ | - | - | $ | - | ||||||
Construction and land development | - | - | - | - | ||||||||
Residential 1-4 family | - | - | - | - | ||||||||
Multifamily | - | - | - | - | ||||||||
Farmland | - | - | - | - | ||||||||
Total real estate loans | - | - | - | - | ||||||||
Commercial | - | - | - | - | ||||||||
Agriculture | - | - | - | - | ||||||||
Consumer installment loans | - | - | - | - | ||||||||
All other loans | - | - | - | - | ||||||||
Total | - | $ | - | - | $ | - | ||||||
Troubled Debt Restructurings | For the three months ended | For the three months ended | ||||||||||
That Subsequently Defaulted | 30-Jun-14 | 30-Jun-13 | ||||||||||
During the Period | # of | Recorded | # of | Recorded | ||||||||
(Dollars are in thousands) | Loans | Investment | Loans | Investment | ||||||||
Real estate secured: | ||||||||||||
Commercial | - | $ | - | - | $ | - | ||||||
Construction and land development | - | - | - | - | ||||||||
Residential 1-4 family | - | - | - | - | ||||||||
Multifamily | - | - | - | - | ||||||||
Farmland | - | - | - | - | ||||||||
Total real estate loans | - | - | - | - | ||||||||
Commercial | - | - | - | - | ||||||||
Agriculture | - | - | - | - | ||||||||
Consumer installment loans | - | - | - | - | ||||||||
All other loans | - | - | - | - | ||||||||
Total | - | $ | - | - | $ | - | ||||||
Earnings_Per_Share_Tables
Earnings Per Share (Tables) | 6 Months Ended | ||||||||
Jun. 30, 2014 | |||||||||
Earnings Per Share [Abstract] | ' | ||||||||
Schedule Of Anti-Dilutive Income Per Common Share | ' | ||||||||
(Amounts in Thousands, Except | For the three months | For the six months | |||||||
Share and Per Share Data) | ended June 30, | ended June 30, | |||||||
2014 | 2013 | 2014 | 2013 | ||||||
Net income (loss) | $ | -157 | $ | 945 | $ | -229 | $ | 1,092 | |
Weighted average shares outstanding | 21,872,293 | 21,871,063 | 21,872,293 | 21,869,768 | |||||
Dilutive shares for stock options and warrants | - | - | - | - | |||||
Weighted average dilutive shares outstanding | 21,872,293 | 21,871,063 | 21,872,293 | 21,869,768 | |||||
Basic income (loss) per share | $ | -0.01 | $ | 0.04 | $ | -0.01 | $ | 0.05 | |
Diluted income (loss) per share | $ | -0.01 | $ | 0.04 | $ | -0.01 | $ | 0.05 | |
Fair_Values_Tables
Fair Values (Tables) | 6 Months Ended | ||||||||||
Jun. 30, 2014 | |||||||||||
Fair Values [Abstract] | ' | ||||||||||
Summary Of Assets And Liabilities Measured At Fair Value | ' | ||||||||||
Assets and liabilities measured at fair value are as follows as of June 30, 2014 (for purpose of this table the impaired loans are shown net of the related allowance): | |||||||||||
Quoted market price in active markets | Significant unobservable inputs | ||||||||||
(Level 1) | Significant other observable inputs | (Level 3) | |||||||||
(Level 2) | |||||||||||
(Dollars are in thousands) | |||||||||||
(On a recurring basis) | |||||||||||
Available-for-sale investments | |||||||||||
U.S. Government Agencies | $ | - | $ | 39,709 | $ | - | |||||
Mortgage backed securities | - | 46,122 | - | ||||||||
(On a non-recurring basis) | - | - | 14,381 | ||||||||
Other real estate owned | |||||||||||
Impaired loans: | |||||||||||
Real estate secured: | |||||||||||
Commercial | - | - | 14,827 | ||||||||
Construction and land development | - | - | 784 | ||||||||
Residential 1-4 family | - | - | 6,107 | ||||||||
Multifamily | - | - | 676 | ||||||||
Farmland | - | - | 7,682 | ||||||||
Commercial | - | - | 820 | ||||||||
Agriculture | - | - | 65 | ||||||||
Consumer installment loans | - | - | 19 | ||||||||
All other loans | - | - | - | ||||||||
Total | $ | - | $ | 85,831 | $ | 45,361 | |||||
Assets and liabilities measured at fair value are as follows as of December 31, 2013 (for purpose of this table the impaired loans are shown net of the related allowance): | |||||||||||
Quoted market price in active markets | Significant unobservable inputs | ||||||||||
(Level 1) | Significant other observable inputs | (Level 3) | |||||||||
(Level 2) | |||||||||||
(Dollars are in thousands) | |||||||||||
(On a recurring basis) | |||||||||||
Available-for-sale investments | |||||||||||
U.S. Government Agencies | $ | - | $ | 38,601 | $ | - | |||||
Mortgage backed securities | - | 40,525 | - | ||||||||
(On a non-recurring basis) | - | - | 15,853 | ||||||||
Other real estate owned | |||||||||||
Impaired loans: | |||||||||||
Real estate secured: | |||||||||||
Commercial | - | - | 19,957 | ||||||||
Construction and land development | - | - | 752 | ||||||||
Residential 1-4 family | - | - | 6,835 | ||||||||
Multifamily | - | - | 555 | ||||||||
Farmland | - | - | 7,989 | ||||||||
Commercial | - | - | 779 | ||||||||
Agriculture | - | - | 72 | ||||||||
Consumer installment loans | - | - | 31 | ||||||||
All other loans | - | - | - | ||||||||
Total | $ | - | $ | 79,126 | $ | 52,823 | |||||
Schedule Of Significant Unobservable Inputs In Level 3 Assets | ' | ||||||||||
For Level 3 assets measured at fair value on a recurring or non-recurring basis as of March 31, 2014, the significant unobservable inputs used in the fair value measurements were as follows: | |||||||||||
General Range of Significant Unobservable Input Values | |||||||||||
Fair Value at June 30, | |||||||||||
2014 | Valuation Technique | Significant Unobservable Inputs | |||||||||
(Dollars in thousands) | |||||||||||
Impaired Loans | $ | 30,980 | Appraised Value/Discounted Cash Flows/Market Value of Note | Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell | 0 – 18% | ||||||
Other Real Estate Owned | $ | 14,381 | Appraised Value/Comparable Sales/Other Estimates from Independent Sources | Discounts to reflect current market conditions and estimated costs to sell | 0 – 18% | ||||||
Estimated Fair Value Of Financial Instruments | ' | ||||||||||
Fair Value Measurements | |||||||||||
Quoted market price in active markets | Significant other observable inputs | ||||||||||
(Level 1) | (Level 2) | Significant unobservable inputs | |||||||||
(Level 3) | |||||||||||
Carrying | Fair | ||||||||||
(Dollars are in thousands) | Amount | Value | |||||||||
30-Jun-14 | |||||||||||
Financial Instruments – Assets | |||||||||||
Net Loans | $ | 460,070 | $ | 461,632 | $ | - | $ | 430,652 | $ | 30,980 | |
Financial Instruments – Liabilities | |||||||||||
Time Deposits | 330,222 | 331,854 | - | 331,854 | - | ||||||
FHLB Advances | 4,758 | 4,758 | - | 4,758 | - | ||||||
31-Dec-13 | |||||||||||
Financial Instruments – Assets | |||||||||||
Net Loans | $ | 479,943 | $ | 482,285 | $ | - | $ | 445,315 | $ | 36,970 | |
Financial Instruments – Liabilities | |||||||||||
Time Deposits | 346,991 | 348,944 | - | 348,944 | - | ||||||
FHLB Advances | 5,358 | 5,358 | - | 5,358 | - | ||||||
Nature_Of_Operations_Details
Nature Of Operations (Details) | 0 Months Ended |
Sep. 09, 2003 | |
item | |
Nature Of Operations [Abstract] | ' |
Number of wholly owned subsidiaries | 2 |
Formal_Written_Agreement_Detai
Formal Written Agreement (Details) (USD $) | 6 Months Ended |
In Millions, unless otherwise specified | Jun. 30, 2014 |
Formal Written Agreement [Abstract] | ' |
Minimum asset threshold for improving Bank's position under formal written agreement | $1 |
Threshold for past due loan status | '90 days |
Capital_Schedule_Of_Capital_Re
Capital (Schedule Of Capital Requirements) (Details) (USD $) | Jun. 30, 2014 | Dec. 31, 2013 |
In Thousands, unless otherwise specified | ||
The Company [Member] | ' | ' |
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items] | ' | ' |
Total Capital to Risk Weighted Assets, Actual, Amount | $57,442 | $58,305 |
Total Capital to Risk Weighted Assets, Actual, Ratio | 14.86% | 14.39% |
Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Amount | 30,918 | 32,417 |
Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Ratio | 8.00% | 8.00% |
Tier 1 Capital Risk Weighted Assets, Actual, Amount | 50,092 | 50,776 |
Tier 1 Capital Risk Weighted Assets, Actual, Ratio | 12.96% | 12.53% |
Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Amount | 15,459 | 16,208 |
Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Ratio | 4.00% | 4.00% |
Tier 1 Capital to Average Assets, Actual, Amount | 50,092 | 50,776 |
Tier 1 Capital to Average Assets, Actual, Ratio | 7.33% | 7.40% |
Tier 1 Capital to Average Assets, Minimum Capital Requirement, Amount | 27,336 | 27,445 |
Tier 1 Capital to Average Assets, Minimum Capital Requirement, Ratio | 4.00% | 4.00% |
The Bank [Member] | ' | ' |
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items] | ' | ' |
Total Capital to Risk Weighted Assets, Actual, Amount | 56,064 | 56,602 |
Total Capital to Risk Weighted Assets, Actual, Ratio | 14.49% | 13.96% |
Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Amount | 30,946 | 32,430 |
Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Ratio | 8.00% | 8.00% |
Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount | 38,682 | 40,538 |
Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio | 10.00% | 10.00% |
Tier 1 Capital Risk Weighted Assets, Actual, Amount | 51,146 | 51,436 |
Tier 1 Capital Risk Weighted Assets, Actual, Ratio | 13.22% | 12.69% |
Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Amount | 15,473 | 16,215 |
Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Ratio | 4.00% | 4.00% |
Tier 1 Capital Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount | 23,209 | 24,323 |
Tier 1 Capital Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio | 6.00% | 6.00% |
Tier 1 Capital to Average Assets, Actual, Amount | 51,146 | 51,436 |
Tier 1 Capital to Average Assets, Actual, Ratio | 7.48% | 7.49% |
Tier 1 Capital to Average Assets, Minimum Capital Requirement, Amount | 27,348 | 27,460 |
Tier 1 Capital to Average Assets, Minimum Capital Requirement, Ratio | 4.00% | 4.00% |
Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount | $34,185 | $34,326 |
Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio | 5.00% | 5.00% |
Investment_Securities_Schedule
Investment Securities (Schedule Of Securities Amortized Cost And Estimated Fair Value) (Details) (USD $) | Jun. 30, 2014 | Dec. 31, 2013 |
In Thousands, unless otherwise specified | ||
Schedule of Available-for-sale Securities [Line Items] | ' | ' |
Amortized Cost | $86,526 | $80,580 |
Gross Unreallized Gains | 285 | 306 |
Gross Unrealized Losses | 980 | 1,760 |
Approximate Fair Value | 85,831 | 79,126 |
U.S. Government Agencies [Member] | ' | ' |
Schedule of Available-for-sale Securities [Line Items] | ' | ' |
Amortized Cost | 40,111 | 39,296 |
Gross Unreallized Gains | 181 | 246 |
Gross Unrealized Losses | 583 | 941 |
Approximate Fair Value | 39,709 | 38,601 |
Taxable Municipals [Member] | ' | ' |
Schedule of Available-for-sale Securities [Line Items] | ' | ' |
Amortized Cost | ' | ' |
Gross Unreallized Gains | ' | ' |
Gross Unrealized Losses | ' | ' |
Approximate Fair Value | ' | ' |
Tax-Exempt Municipals [Member] | ' | ' |
Schedule of Available-for-sale Securities [Line Items] | ' | ' |
Amortized Cost | ' | ' |
Gross Unreallized Gains | ' | ' |
Gross Unrealized Losses | ' | ' |
Approximate Fair Value | ' | ' |
Mortgage Backed Securities [Member] | ' | ' |
Schedule of Available-for-sale Securities [Line Items] | ' | ' |
Amortized Cost | 46,415 | 41,284 |
Gross Unreallized Gains | 104 | 60 |
Gross Unrealized Losses | 397 | 819 |
Approximate Fair Value | $46,122 | $40,525 |
Investment_Securities_Schedule1
Investment Securities (Schedule Of Fair Value And Gross Unrealized Losses On Investment Securities In A Continuous Unrealized Loss Position) (Details) (USD $) | 6 Months Ended | 12 Months Ended |
In Thousands, unless otherwise specified | Jun. 30, 2014 | Dec. 31, 2013 |
item | item | |
Schedule of Available-for-sale Securities [Line Items] | ' | ' |
Fair Value, Less than 12 Months | $26,968 | $53,551 |
Fair Value, 12 Months or More | 30,368 | 5,616 |
Fair Value, Total | 57,336 | 59,167 |
Unrealized Losses, Less than 12 Months | 186 | 1,629 |
Unrealized Losses, 12 Months or More | 794 | 131 |
Unrealized Losses, Total | 980 | 1,760 |
Number of available-for-sale investments in loss position | 83 | 80 |
U.S. Government Agencies [Member] | ' | ' |
Schedule of Available-for-sale Securities [Line Items] | ' | ' |
Fair Value, Less than 12 Months | 10,037 | 26,090 |
Fair Value, 12 Months or More | 13,583 | 570 |
Fair Value, Total | 23,620 | 26,660 |
Unrealized Losses, Less than 12 Months | 72 | 936 |
Unrealized Losses, 12 Months or More | 511 | 5 |
Unrealized Losses, Total | 583 | 941 |
Mortgage Backed Securities [Member] | ' | ' |
Schedule of Available-for-sale Securities [Line Items] | ' | ' |
Fair Value, Less than 12 Months | 16,931 | 27,461 |
Fair Value, 12 Months or More | 16,785 | 5,046 |
Fair Value, Total | 33,716 | 32,507 |
Unrealized Losses, Less than 12 Months | 114 | 693 |
Unrealized Losses, 12 Months or More | 283 | 126 |
Unrealized Losses, Total | $397 | $819 |
Investment_Securities_The_Amor
Investment Securities (The Amortized Cost And Fair Value Of Investment Securities Contractual Maturity) (Details) (USD $) | 6 Months Ended | |
Jun. 30, 2014 | Dec. 31, 2013 | |
Investment Securities [Abstract] | ' | ' |
Due in one year or less, Amortized Cost | $51,000 | ' |
Due after one year through five years, Amortized Cost | 1,551,000 | ' |
Due after five years through fifteen years, Amortized Cost | 32,195,000 | ' |
Due after fifteen years, Amortized Cost | 52,729,000 | ' |
Amortized Cost, Total | 86,526,000 | 80,580,000 |
Due in one year or less, Fair Value | 52,000 | ' |
Due after one year through five years, Fair Value | 1,551,000 | ' |
Due after five years through fifteen years, Fair Value | 32,155,000 | ' |
Due after fifteen years, Fair Value | 52,073,000 | ' |
Approximate Fair Value | 85,831,000 | 79,126,000 |
Due in one year or less, Weighted Average Yield | 2.28% | ' |
Due after one year through five years, Weighted Average Yield | 0.97% | ' |
Due after five years through fifteen years, Weighted Average Yield | 1.73% | ' |
Due after fifteen years, Weighted Average Yield | 1.84% | ' |
Weighted Average Yield, Total | 1.78% | ' |
Securities pledged as collateral | 19,100,000 | 17,000,000 |
Equity securities, restricted from trading | $2,500,000 | $2,700,000 |
Loans_Summary_Of_Loans_Receiva
Loans (Summary Of Loans Receivable Outstanding) (Details) (USD $) | Jun. 30, 2014 | Dec. 31, 2013 |
In Thousands, unless otherwise specified | ||
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total loans | $471,646 | $493,023 |
Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total loans | 419,460 | 438,156 |
Commercial [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total loans | 21,286 | 24,955 |
Commercial [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total loans | 116,844 | 126,174 |
Construction And Land Development [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total loans | 15,903 | 22,421 |
Residential 1-4 Family [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total loans | 248,454 | 249,187 |
Multifamily [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total loans | 11,873 | 11,482 |
Farmland [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total loans | 26,386 | 28,892 |
Agriculture [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total loans | 3,923 | 3,718 |
Consumer Installment Loans [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total loans | 26,861 | 26,055 |
All Other Loans [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total loans | $116 | $139 |
Loans_Summary_Of_Loans_Receiva1
Loans (Summary Of Loans Receivable On Nonaccrual Status) (Details) (USD $) | 6 Months Ended | ||
In Thousands, unless otherwise specified | Jun. 30, 2014 | Jun. 30, 2013 | Dec. 31, 2013 |
Loans [Line Items] | ' | ' | ' |
Total loans receivable on nonaccrual status | $25,113 | ' | $28,307 |
Interest income not recognized on nonaccrual loans, Total | 273 | 193 | ' |
Real Estate [Member] | ' | ' | ' |
Loans [Line Items] | ' | ' | ' |
Total loans receivable on nonaccrual status | 24,161 | ' | 27,211 |
Commercial [Member] | ' | ' | ' |
Loans [Line Items] | ' | ' | ' |
Total loans receivable on nonaccrual status | 859 | ' | 947 |
Commercial [Member] | Real Estate [Member] | ' | ' | ' |
Loans [Line Items] | ' | ' | ' |
Total loans receivable on nonaccrual status | 11,328 | ' | 16,098 |
Construction And Land Development [Member] | Real Estate [Member] | ' | ' | ' |
Loans [Line Items] | ' | ' | ' |
Total loans receivable on nonaccrual status | 743 | ' | 775 |
Residential 1-4 Family [Member] | Real Estate [Member] | ' | ' | ' |
Loans [Line Items] | ' | ' | ' |
Total loans receivable on nonaccrual status | 6,975 | ' | 4,852 |
Multifamily [Member] | Real Estate [Member] | ' | ' | ' |
Loans [Line Items] | ' | ' | ' |
Total loans receivable on nonaccrual status | 164 | ' | 171 |
Farmland [Member] | Real Estate [Member] | ' | ' | ' |
Loans [Line Items] | ' | ' | ' |
Total loans receivable on nonaccrual status | 4,951 | ' | 5,315 |
Agriculture [Member] | ' | ' | ' |
Loans [Line Items] | ' | ' | ' |
Total loans receivable on nonaccrual status | 40 | ' | 45 |
Consumer Installment Loans [Member] | ' | ' | ' |
Loans [Line Items] | ' | ' | ' |
Total loans receivable on nonaccrual status | 53 | ' | 104 |
All Other Loans [Member] | ' | ' | ' |
Loans [Line Items] | ' | ' | ' |
Total loans receivable on nonaccrual status | ' | ' | ' |
Loans_Summary_Of_Impaired_Loan
Loans (Summary Of Impaired Loans) (Details) (USD $) | 6 Months Ended | 12 Months Ended |
In Thousands, unless otherwise specified | Jun. 30, 2014 | Dec. 31, 2013 |
Loans [Line Items] | ' | ' |
Average Recorded Investment | $38,745 | $50,944 |
Interest Income Recognized | 544 | 1,499 |
Recorded Investment | 34,089 | 41,176 |
Unpaid Principal Balance | 36,770 | 45,125 |
Related Allowance | 3,109 | 4,206 |
With No Related Allowance Recorded [Member] | Commercial [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Average Recorded Investment | 310 | 717 |
Interest Income Recognized | ' | 7 |
Recorded Investment | 298 | 315 |
Unpaid Principal Balance | 298 | 423 |
With No Related Allowance Recorded [Member] | Agriculture [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Average Recorded Investment | 66 | 71 |
Interest Income Recognized | 2 | 6 |
Recorded Investment | 65 | 60 |
Unpaid Principal Balance | 81 | 60 |
With No Related Allowance Recorded [Member] | Consumer Installment Loans [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Average Recorded Investment | 9 | 51 |
Interest Income Recognized | ' | 2 |
Recorded Investment | 13 | 12 |
Unpaid Principal Balance | 13 | 12 |
With No Related Allowance Recorded [Member] | All Other Loans [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Average Recorded Investment | ' | ' |
Interest Income Recognized | ' | ' |
Recorded Investment | ' | ' |
Unpaid Principal Balance | ' | ' |
Related Allowance | ' | ' |
With An Allowance Recorded [Member] | Commercial [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Average Recorded Investment | 633 | 1,012 |
Interest Income Recognized | 2 | 3 |
Recorded Investment | 561 | 672 |
Unpaid Principal Balance | 669 | 740 |
Related Allowance | 39 | 208 |
With An Allowance Recorded [Member] | Agriculture [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Average Recorded Investment | 43 | 138 |
Interest Income Recognized | 1 | 4 |
Recorded Investment | 36 | 55 |
Unpaid Principal Balance | 36 | 71 |
Related Allowance | 36 | 43 |
With An Allowance Recorded [Member] | Consumer Installment Loans [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Average Recorded Investment | 16 | 22 |
Interest Income Recognized | ' | 2 |
Recorded Investment | 6 | 22 |
Unpaid Principal Balance | 6 | 22 |
Related Allowance | ' | 3 |
With An Allowance Recorded [Member] | All Other Loans [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Average Recorded Investment | ' | ' |
Interest Income Recognized | ' | ' |
Recorded Investment | ' | ' |
Unpaid Principal Balance | ' | ' |
Related Allowance | ' | ' |
Real Estate [Member] | With No Related Allowance Recorded [Member] | Commercial [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Average Recorded Investment | 11,969 | 16,270 |
Interest Income Recognized | 126 | 300 |
Recorded Investment | 10,754 | 9,807 |
Unpaid Principal Balance | 11,574 | 10,276 |
Real Estate [Member] | With No Related Allowance Recorded [Member] | Construction And Land Development [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Average Recorded Investment | 282 | 2,246 |
Interest Income Recognized | 1 | 26 |
Recorded Investment | 202 | 336 |
Unpaid Principal Balance | 213 | 345 |
Real Estate [Member] | With No Related Allowance Recorded [Member] | Residential 1-4 Family [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Average Recorded Investment | 2,690 | 4,276 |
Interest Income Recognized | 52 | 126 |
Recorded Investment | 2,441 | 2,557 |
Unpaid Principal Balance | 2,643 | 2,727 |
Real Estate [Member] | With No Related Allowance Recorded [Member] | Multifamily [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Average Recorded Investment | 324 | 652 |
Interest Income Recognized | 8 | 16 |
Recorded Investment | 322 | 326 |
Unpaid Principal Balance | 322 | 326 |
Real Estate [Member] | With No Related Allowance Recorded [Member] | Farmland [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Average Recorded Investment | 4,980 | 4,260 |
Interest Income Recognized | 77 | 166 |
Recorded Investment | 5,997 | 2,533 |
Unpaid Principal Balance | 6,733 | 2,670 |
Real Estate [Member] | With An Allowance Recorded [Member] | Commercial [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Average Recorded Investment | 7,738 | 12,080 |
Interest Income Recognized | 76 | 441 |
Recorded Investment | 4,966 | 12,092 |
Unpaid Principal Balance | 5,423 | 13,924 |
Related Allowance | 893 | 1,942 |
Real Estate [Member] | With An Allowance Recorded [Member] | Construction And Land Development [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Average Recorded Investment | 639 | 492 |
Interest Income Recognized | 13 | 9 |
Recorded Investment | 800 | 554 |
Unpaid Principal Balance | 897 | 640 |
Related Allowance | 218 | 138 |
Real Estate [Member] | With An Allowance Recorded [Member] | Residential 1-4 Family [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Average Recorded Investment | 5,198 | 3,980 |
Interest Income Recognized | 113 | 260 |
Recorded Investment | 4,954 | 5,458 |
Unpaid Principal Balance | 5,161 | 5,824 |
Related Allowance | 1,288 | 1,180 |
Real Estate [Member] | With An Allowance Recorded [Member] | Multifamily [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Average Recorded Investment | 321 | 561 |
Interest Income Recognized | 13 | 17 |
Recorded Investment | 429 | 268 |
Unpaid Principal Balance | 429 | 268 |
Related Allowance | 75 | 39 |
Real Estate [Member] | With An Allowance Recorded [Member] | Farmland [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Average Recorded Investment | 3,527 | 4,116 |
Interest Income Recognized | 60 | 114 |
Recorded Investment | 2,245 | 6,109 |
Unpaid Principal Balance | 2,272 | 6,797 |
Related Allowance | $560 | $653 |
Loans_Summary_Of_Age_Analysis_
Loans (Summary Of Age Analysis Of Past Due Loans Receivable) (Details) (USD $) | Jun. 30, 2014 | Dec. 31, 2013 |
In Thousands, unless otherwise specified | ||
Loans [Line Items] | ' | ' |
Loans 30-59 Days Past Due | $9,489 | $16,370 |
Loans 60-89 Days Past Due | 2,555 | 3,625 |
Loans 90 or More Days Past Due | 11,688 | 10,702 |
Total Past Due Loans | 23,732 | 30,697 |
Current Loans | 447,914 | 462,326 |
Total loans | 471,646 | 493,023 |
Accruing Loans 90 or More Days Past Due | ' | 1 |
Commercial [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Loans 30-59 Days Past Due | 570 | 135 |
Loans 60-89 Days Past Due | ' | 14 |
Loans 90 or More Days Past Due | 343 | 902 |
Total Past Due Loans | 913 | 1,051 |
Current Loans | 20,373 | 23,904 |
Total loans | 21,286 | 24,955 |
Agriculture [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Loans 30-59 Days Past Due | 8 | 26 |
Loans 60-89 Days Past Due | ' | 20 |
Loans 90 or More Days Past Due | 40 | 13 |
Total Past Due Loans | 48 | 59 |
Current Loans | 3,875 | 3,659 |
Total loans | 3,923 | 3,718 |
Consumer Installment Loans [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Loans 30-59 Days Past Due | 181 | 241 |
Loans 60-89 Days Past Due | 20 | 48 |
Loans 90 or More Days Past Due | 23 | 8 |
Total Past Due Loans | 224 | 297 |
Current Loans | 26,637 | 25,758 |
Total loans | 26,861 | 26,055 |
All Other Loans [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Loans 30-59 Days Past Due | 13 | 11 |
Loans 60-89 Days Past Due | 6 | 7 |
Loans 90 or More Days Past Due | ' | 1 |
Total Past Due Loans | 19 | 19 |
Current Loans | 97 | 120 |
Total loans | 116 | 139 |
Accruing Loans 90 or More Days Past Due | ' | 1 |
Real Estate [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Loans 30-59 Days Past Due | 8,717 | 15,957 |
Loans 60-89 Days Past Due | 2,529 | 3,536 |
Loans 90 or More Days Past Due | 11,282 | 9,778 |
Total Past Due Loans | 22,528 | 29,271 |
Current Loans | 396,932 | 408,885 |
Total loans | 419,460 | 438,156 |
Real Estate [Member] | Commercial [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Loans 30-59 Days Past Due | 1,902 | 7,192 |
Loans 60-89 Days Past Due | 547 | 1,713 |
Loans 90 or More Days Past Due | 5,035 | 4,174 |
Total Past Due Loans | 7,484 | 13,079 |
Current Loans | 109,360 | 113,095 |
Total loans | 116,844 | 126,174 |
Real Estate [Member] | Construction And Land Development [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Loans 30-59 Days Past Due | 237 | 505 |
Loans 60-89 Days Past Due | 152 | 183 |
Loans 90 or More Days Past Due | 363 | 347 |
Total Past Due Loans | 752 | 1,035 |
Current Loans | 15,151 | 21,386 |
Total loans | 15,903 | 22,421 |
Real Estate [Member] | Residential 1-4 Family [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Loans 30-59 Days Past Due | 6,202 | 6,391 |
Loans 60-89 Days Past Due | 1,798 | 1,067 |
Loans 90 or More Days Past Due | 2,014 | 1,271 |
Total Past Due Loans | 10,014 | 8,729 |
Current Loans | 238,440 | 240,458 |
Total loans | 248,454 | 249,187 |
Real Estate [Member] | Multifamily [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Loans 30-59 Days Past Due | 246 | ' |
Loans 60-89 Days Past Due | ' | 436 |
Total Past Due Loans | 246 | 436 |
Current Loans | 11,627 | 11,046 |
Total loans | 11,873 | 11,482 |
Real Estate [Member] | Farmland [Member] | ' | ' |
Loans [Line Items] | ' | ' |
Loans 30-59 Days Past Due | 130 | 1,869 |
Loans 60-89 Days Past Due | 32 | 137 |
Loans 90 or More Days Past Due | 3,870 | 3,986 |
Total Past Due Loans | 4,032 | 5,992 |
Current Loans | 22,354 | 22,900 |
Total loans | $26,386 | $28,892 |
Loans_Summary_Of_Risk_Category
Loans (Summary Of Risk Category Of Loans Receivable) (Details) (USD $) | Jun. 30, 2014 | Dec. 31, 2013 |
In Thousands, unless otherwise specified | ||
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | $471,646 | $493,023 |
Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 419,460 | 438,156 |
Pass [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 422,233 | 437,969 |
Pass [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 374,051 | 385,110 |
Special Mention [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 12,149 | 9,931 |
Special Mention [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 9,355 | 9,286 |
Substandard [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 37,264 | 44,893 |
Substandard [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 36,054 | 43,559 |
Doubtful [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | ' | 230 |
Doubtful [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | ' | 201 |
Commercial [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 21,286 | 24,955 |
Commercial [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 116,844 | 126,174 |
Commercial [Member] | Pass [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 17,534 | 23,258 |
Commercial [Member] | Pass [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 97,476 | 100,403 |
Commercial [Member] | Special Mention [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 2,794 | 634 |
Commercial [Member] | Special Mention [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 5,040 | 4,586 |
Commercial [Member] | Substandard [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 958 | 1,034 |
Commercial [Member] | Substandard [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 14,328 | 21,185 |
Commercial [Member] | Doubtful [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | ' | 29 |
Construction And Land Development [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 15,903 | 22,421 |
Construction And Land Development [Member] | Pass [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 12,652 | 19,138 |
Construction And Land Development [Member] | Special Mention [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 1,999 | 2,107 |
Construction And Land Development [Member] | Substandard [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 1,252 | 1,176 |
Residential 1-4 Family [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 248,454 | 249,187 |
Residential 1-4 Family [Member] | Pass [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 234,639 | 234,857 |
Residential 1-4 Family [Member] | Special Mention [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 1,911 | 1,916 |
Residential 1-4 Family [Member] | Substandard [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 11,904 | 12,213 |
Residential 1-4 Family [Member] | Doubtful [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | ' | 201 |
Multifamily [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 11,873 | 11,482 |
Multifamily [Member] | Pass [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 11,444 | 10,777 |
Multifamily [Member] | Special Mention [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | ' | 266 |
Multifamily [Member] | Substandard [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 429 | 439 |
Farmland [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 26,386 | 28,892 |
Farmland [Member] | Pass [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 17,840 | 19,935 |
Farmland [Member] | Special Mention [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 405 | 411 |
Farmland [Member] | Substandard [Member] | Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 8,141 | 8,546 |
Agriculture [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 3,923 | 3,718 |
Agriculture [Member] | Pass [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 3,816 | 3,583 |
Agriculture [Member] | Special Mention [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | ' | 11 |
Agriculture [Member] | Substandard [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 107 | 124 |
Consumer Installment Loans [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 26,861 | 26,055 |
Consumer Installment Loans [Member] | Pass [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 26,716 | 25,879 |
Consumer Installment Loans [Member] | Substandard [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 145 | 176 |
All Other Loans [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | 116 | 139 |
All Other Loans [Member] | Pass [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Total | $116 | $139 |
Allowance_For_Loan_Losses_Summ
Allowance For Loan Losses (Summary Of Activity In The Allowance For Loan Losses By Portfolio Segment) (Details) (USD $) | 6 Months Ended | 12 Months Ended |
In Thousands, unless otherwise specified | Jun. 30, 2014 | Dec. 31, 2013 |
Allowance For Loan Losses [Line Items] | ' | ' |
Balance, beginning of year | $13,080 | $16,810 |
Charge Offs | -1,650 | -6,044 |
Recoveries | 146 | 1,764 |
Advances | ' | ' |
Provision | ' | 550 |
Balance, End of period | 11,576 | 13,080 |
Real Estate [Member] | ' | ' |
Allowance For Loan Losses [Line Items] | ' | ' |
Balance, beginning of year | 11,060 | 13,562 |
Charge Offs | -1,610 | -5,015 |
Recoveries | 110 | 1,535 |
Advances | ' | ' |
Provision | -212 | 978 |
Balance, End of period | 9,348 | 11,060 |
Commercial [Member] | ' | ' |
Allowance For Loan Losses [Line Items] | ' | ' |
Balance, beginning of year | 1,147 | 1,772 |
Charge Offs | ' | -513 |
Recoveries | 20 | 50 |
Advances | ' | ' |
Provision | -560 | -162 |
Balance, End of period | 607 | 1,147 |
Commercial [Member] | Real Estate [Member] | ' | ' |
Allowance For Loan Losses [Line Items] | ' | ' |
Balance, beginning of year | 5,203 | 6,720 |
Charge Offs | -1,004 | -2,811 |
Recoveries | 58 | 439 |
Advances | ' | ' |
Provision | -586 | 855 |
Balance, End of period | 3,671 | 5,203 |
Construction And Land Development [Member] | Real Estate [Member] | ' | ' |
Allowance For Loan Losses [Line Items] | ' | ' |
Balance, beginning of year | 1,184 | 2,166 |
Charge Offs | -34 | -312 |
Recoveries | 13 | 452 |
Advances | ' | ' |
Provision | -388 | -1,122 |
Balance, End of period | 775 | 1,184 |
Residential 1-4 Family [Member] | Real Estate [Member] | ' | ' |
Allowance For Loan Losses [Line Items] | ' | ' |
Balance, beginning of year | 3,316 | 3,050 |
Charge Offs | -348 | -1,143 |
Recoveries | 39 | 576 |
Advances | ' | ' |
Provision | 601 | 833 |
Balance, End of period | 3,608 | 3,316 |
Multifamily [Member] | Real Estate [Member] | ' | ' |
Allowance For Loan Losses [Line Items] | ' | ' |
Balance, beginning of year | 133 | 552 |
Advances | ' | ' |
Provision | 48 | -419 |
Balance, End of period | 181 | 133 |
Farmland [Member] | Real Estate [Member] | ' | ' |
Allowance For Loan Losses [Line Items] | ' | ' |
Balance, beginning of year | 1,224 | 1,074 |
Charge Offs | -224 | -749 |
Recoveries | ' | 68 |
Advances | ' | ' |
Provision | 113 | 831 |
Balance, End of period | 1,113 | 1,224 |
Agriculture [Member] | ' | ' |
Allowance For Loan Losses [Line Items] | ' | ' |
Balance, beginning of year | 337 | 533 |
Charge Offs | -1 | -363 |
Recoveries | ' | 51 |
Advances | ' | ' |
Provision | -166 | 116 |
Balance, End of period | 170 | 337 |
Consumer Installment Loans [Member] | ' | ' |
Allowance For Loan Losses [Line Items] | ' | ' |
Balance, beginning of year | 153 | 388 |
Charge Offs | -39 | -153 |
Recoveries | 16 | 128 |
Advances | ' | ' |
Provision | 31 | -210 |
Balance, End of period | 161 | 153 |
All Other Loans [Member] | ' | ' |
Allowance For Loan Losses [Line Items] | ' | ' |
Balance, beginning of year | 2 | 4 |
Advances | ' | ' |
Provision | -1 | -2 |
Balance, End of period | 1 | 2 |
Unallocated [Member] | ' | ' |
Allowance For Loan Losses [Line Items] | ' | ' |
Balance, beginning of year | 381 | 551 |
Advances | ' | ' |
Provision | 908 | -170 |
Balance, End of period | $1,289 | $381 |
Allowance_For_Loan_Losses_Sche
Allowance For Loan Losses (Schedule Of Allocation Of Portion Of Allowance) (Details) (USD $) | Jun. 30, 2014 | Dec. 31, 2013 | Dec. 31, 2012 |
In Thousands, unless otherwise specified | |||
Allowance For Loan Losses [Line Items] | ' | ' | ' |
Allowance for Loan Losses, Individually Evaluated for Impairment | $3,109 | $4,206 | ' |
Allowance for Loan Losses, Collectively Evaluated for Impairment | 8,467 | 8,874 | ' |
Allowance for Loan Losses, Total | 11,576 | 13,080 | 16,810 |
Recorded Investment in Loans, Individually Evaluated for Impairment | 34,089 | 41,176 | ' |
Recorded Investment in Loans, Collectively Evaluated for Impairment | 437,557 | 451,847 | ' |
Recorded Investment in Loans, Total | 471,646 | 493,023 | ' |
Real Estate [Member] | ' | ' | ' |
Allowance For Loan Losses [Line Items] | ' | ' | ' |
Allowance for Loan Losses, Individually Evaluated for Impairment | 3,034 | 3,952 | ' |
Allowance for Loan Losses, Collectively Evaluated for Impairment | 6,314 | 7,108 | ' |
Allowance for Loan Losses, Total | 9,348 | 11,060 | 13,562 |
Recorded Investment in Loans, Individually Evaluated for Impairment | 33,110 | 40,040 | ' |
Recorded Investment in Loans, Collectively Evaluated for Impairment | 386,350 | 398,116 | ' |
Recorded Investment in Loans, Total | 419,460 | 438,156 | ' |
Commercial [Member] | ' | ' | ' |
Allowance For Loan Losses [Line Items] | ' | ' | ' |
Allowance for Loan Losses, Individually Evaluated for Impairment | 39 | 208 | ' |
Allowance for Loan Losses, Collectively Evaluated for Impairment | 568 | 939 | ' |
Allowance for Loan Losses, Total | 607 | 1,147 | 1,772 |
Recorded Investment in Loans, Individually Evaluated for Impairment | 859 | 987 | ' |
Recorded Investment in Loans, Collectively Evaluated for Impairment | 20,427 | 23,968 | ' |
Recorded Investment in Loans, Total | 21,286 | 24,955 | ' |
Commercial [Member] | Real Estate [Member] | ' | ' | ' |
Allowance For Loan Losses [Line Items] | ' | ' | ' |
Allowance for Loan Losses, Individually Evaluated for Impairment | 893 | 1,942 | ' |
Allowance for Loan Losses, Collectively Evaluated for Impairment | 2,778 | 3,261 | ' |
Allowance for Loan Losses, Total | 3,671 | 5,203 | 6,720 |
Recorded Investment in Loans, Individually Evaluated for Impairment | 15,720 | 21,899 | ' |
Recorded Investment in Loans, Collectively Evaluated for Impairment | 101,124 | 104,275 | ' |
Recorded Investment in Loans, Total | 116,844 | 126,174 | ' |
Construction And Land Development [Member] | Real Estate [Member] | ' | ' | ' |
Allowance For Loan Losses [Line Items] | ' | ' | ' |
Allowance for Loan Losses, Individually Evaluated for Impairment | 218 | 138 | ' |
Allowance for Loan Losses, Collectively Evaluated for Impairment | 557 | 1,046 | ' |
Allowance for Loan Losses, Total | 775 | 1,184 | 2,166 |
Recorded Investment in Loans, Individually Evaluated for Impairment | 1,002 | 890 | ' |
Recorded Investment in Loans, Collectively Evaluated for Impairment | 14,901 | 21,531 | ' |
Recorded Investment in Loans, Total | 15,903 | 22,421 | ' |
Residential 1-4 Family [Member] | Real Estate [Member] | ' | ' | ' |
Allowance For Loan Losses [Line Items] | ' | ' | ' |
Allowance for Loan Losses, Individually Evaluated for Impairment | 1,288 | 1,180 | ' |
Allowance for Loan Losses, Collectively Evaluated for Impairment | 2,320 | 2,136 | ' |
Allowance for Loan Losses, Total | 3,608 | 3,316 | 3,050 |
Recorded Investment in Loans, Individually Evaluated for Impairment | 7,395 | 8,015 | ' |
Recorded Investment in Loans, Collectively Evaluated for Impairment | 241,059 | 241,172 | ' |
Recorded Investment in Loans, Total | 248,454 | 249,187 | ' |
Multifamily [Member] | Real Estate [Member] | ' | ' | ' |
Allowance For Loan Losses [Line Items] | ' | ' | ' |
Allowance for Loan Losses, Individually Evaluated for Impairment | 75 | 39 | ' |
Allowance for Loan Losses, Collectively Evaluated for Impairment | 106 | 94 | ' |
Allowance for Loan Losses, Total | 181 | 133 | 552 |
Recorded Investment in Loans, Individually Evaluated for Impairment | 751 | 594 | ' |
Recorded Investment in Loans, Collectively Evaluated for Impairment | 11,122 | 10,888 | ' |
Recorded Investment in Loans, Total | 11,873 | 11,482 | ' |
Farmland [Member] | Real Estate [Member] | ' | ' | ' |
Allowance For Loan Losses [Line Items] | ' | ' | ' |
Allowance for Loan Losses, Individually Evaluated for Impairment | 560 | 653 | ' |
Allowance for Loan Losses, Collectively Evaluated for Impairment | 553 | 571 | ' |
Allowance for Loan Losses, Total | 1,113 | 1,224 | 1,074 |
Recorded Investment in Loans, Individually Evaluated for Impairment | 8,242 | 8,642 | ' |
Recorded Investment in Loans, Collectively Evaluated for Impairment | 18,144 | 20,250 | ' |
Recorded Investment in Loans, Total | 26,386 | 28,892 | ' |
Agriculture [Member] | ' | ' | ' |
Allowance For Loan Losses [Line Items] | ' | ' | ' |
Allowance for Loan Losses, Individually Evaluated for Impairment | 36 | 43 | ' |
Allowance for Loan Losses, Collectively Evaluated for Impairment | 134 | 294 | ' |
Allowance for Loan Losses, Total | 170 | 337 | 533 |
Recorded Investment in Loans, Individually Evaluated for Impairment | 101 | 115 | ' |
Recorded Investment in Loans, Collectively Evaluated for Impairment | 3,822 | 3,603 | ' |
Recorded Investment in Loans, Total | 3,923 | 3,718 | ' |
Consumer Installment Loans [Member] | ' | ' | ' |
Allowance For Loan Losses [Line Items] | ' | ' | ' |
Allowance for Loan Losses, Individually Evaluated for Impairment | ' | 3 | ' |
Allowance for Loan Losses, Collectively Evaluated for Impairment | 161 | 150 | ' |
Allowance for Loan Losses, Total | 161 | 153 | 388 |
Recorded Investment in Loans, Individually Evaluated for Impairment | 19 | 34 | ' |
Recorded Investment in Loans, Collectively Evaluated for Impairment | 26,842 | 26,021 | ' |
Recorded Investment in Loans, Total | 26,861 | 26,055 | ' |
All Other Loans [Member] | ' | ' | ' |
Allowance For Loan Losses [Line Items] | ' | ' | ' |
Allowance for Loan Losses, Collectively Evaluated for Impairment | 1 | 2 | ' |
Allowance for Loan Losses, Total | 1 | 2 | 4 |
Recorded Investment in Loans, Collectively Evaluated for Impairment | 116 | 139 | ' |
Recorded Investment in Loans, Total | 116 | 139 | ' |
Unallocated [Member] | ' | ' | ' |
Allowance For Loan Losses [Line Items] | ' | ' | ' |
Allowance for Loan Losses, Collectively Evaluated for Impairment | 1,289 | 381 | ' |
Allowance for Loan Losses, Total | $1,289 | $381 | $551 |
Troubled_Debt_Restructurings_N
Troubled Debt Restructurings (Narrative) (Details) (USD $) | 3 Months Ended | 6 Months Ended | |||||
In Millions, unless otherwise specified | Jun. 30, 2014 | Jun. 30, 2013 | Jun. 30, 2014 | Jun. 30, 2013 | Jun. 30, 2013 | Jun. 30, 2014 | Dec. 31, 2013 |
loan | loan | loan | loan | Troubled Debt Restructurings [Member] | Troubled Debt Restructurings [Member] | Troubled Debt Restructurings [Member] | |
loan | |||||||
Financing Receivable, Modifications [Line Items] | ' | ' | ' | ' | ' | ' | ' |
Modified loans | ' | ' | ' | 3 | 3 | ' | ' |
Number of loans with modified terms | ' | ' | ' | ' | 1 | ' | ' |
Number of loans with modified terms and lowered interest rate | ' | ' | ' | ' | 2 | ' | ' |
Period loan is considered to be in default, days | ' | ' | '90 days | ' | ' | ' | ' |
Total TDRs | ' | ' | ' | ' | ' | $8.90 | $12.30 |
Troubled_Debt_Restructurings_S
Troubled Debt Restructurings (Schedule Of Loans Modified As Troubled Debt Restructurings) (Details) (USD $) | 3 Months Ended | 6 Months Ended | ||
In Thousands, unless otherwise specified | Jun. 30, 2014 | Jun. 30, 2013 | Jun. 30, 2014 | Jun. 30, 2013 |
loan | loan | loan | loan | |
Financing Receivable, Modifications [Line Items] | ' | ' | ' | ' |
# of Loans | ' | ' | ' | 3 |
Pre-Mod. Recorded Investment | ' | ' | ' | $353 |
Post-Mod. Recorded Investment | ' | ' | ' | 334 |
Commercial [Member] | ' | ' | ' | ' |
Financing Receivable, Modifications [Line Items] | ' | ' | ' | ' |
# of Loans | ' | ' | ' | 1 |
Pre-Mod. Recorded Investment | ' | ' | ' | 51 |
Post-Mod. Recorded Investment | ' | ' | ' | 32 |
Agriculture [Member] | ' | ' | ' | ' |
Financing Receivable, Modifications [Line Items] | ' | ' | ' | ' |
# of Loans | ' | ' | ' | ' |
Pre-Mod. Recorded Investment | ' | ' | ' | ' |
Post-Mod. Recorded Investment | ' | ' | ' | ' |
Consumer Installment Loans [Member] | ' | ' | ' | ' |
Financing Receivable, Modifications [Line Items] | ' | ' | ' | ' |
# of Loans | ' | ' | ' | 1 |
Pre-Mod. Recorded Investment | ' | ' | ' | 14 |
Post-Mod. Recorded Investment | ' | ' | ' | 14 |
All Other Loans [Member] | ' | ' | ' | ' |
Financing Receivable, Modifications [Line Items] | ' | ' | ' | ' |
# of Loans | ' | ' | ' | ' |
Pre-Mod. Recorded Investment | ' | ' | ' | ' |
Post-Mod. Recorded Investment | ' | ' | ' | ' |
Real Estate [Member] | ' | ' | ' | ' |
Financing Receivable, Modifications [Line Items] | ' | ' | ' | ' |
# of Loans | ' | ' | ' | 1 |
Pre-Mod. Recorded Investment | ' | ' | ' | 288 |
Post-Mod. Recorded Investment | ' | ' | ' | 288 |
Real Estate [Member] | Commercial [Member] | ' | ' | ' | ' |
Financing Receivable, Modifications [Line Items] | ' | ' | ' | ' |
# of Loans | ' | ' | ' | 1 |
Pre-Mod. Recorded Investment | ' | ' | ' | 288 |
Post-Mod. Recorded Investment | ' | ' | ' | 288 |
Real Estate [Member] | Construction And Land Development [Member] | ' | ' | ' | ' |
Financing Receivable, Modifications [Line Items] | ' | ' | ' | ' |
# of Loans | ' | ' | ' | ' |
Pre-Mod. Recorded Investment | ' | ' | ' | ' |
Post-Mod. Recorded Investment | ' | ' | ' | ' |
Real Estate [Member] | Residential 1-4 Family [Member] | ' | ' | ' | ' |
Financing Receivable, Modifications [Line Items] | ' | ' | ' | ' |
# of Loans | ' | ' | ' | ' |
Pre-Mod. Recorded Investment | ' | ' | ' | ' |
Post-Mod. Recorded Investment | ' | ' | ' | ' |
Real Estate [Member] | Multifamily [Member] | ' | ' | ' | ' |
Financing Receivable, Modifications [Line Items] | ' | ' | ' | ' |
# of Loans | ' | ' | ' | ' |
Pre-Mod. Recorded Investment | ' | ' | ' | ' |
Post-Mod. Recorded Investment | ' | ' | ' | ' |
Real Estate [Member] | Farmland [Member] | ' | ' | ' | ' |
Financing Receivable, Modifications [Line Items] | ' | ' | ' | ' |
# of Loans | ' | ' | ' | ' |
Pre-Mod. Recorded Investment | ' | ' | ' | ' |
Post-Mod. Recorded Investment | ' | ' | ' | ' |
Earnings_Per_Share_Schedule_Of
Earnings Per Share (Schedule Of Anti-Dilutive Income Per Common Share) (Details) (USD $) | 3 Months Ended | 6 Months Ended | ||
In Thousands, except Share data, unless otherwise specified | Jun. 30, 2014 | Jun. 30, 2013 | Jun. 30, 2014 | Jun. 30, 2013 |
Earnings Per Share [Abstract] | ' | ' | ' | ' |
Antidilutive potential common shares | 2,638,666 | 2,707,208 | 2,638,666 | 2,707,208 |
Net income (loss) | ($157) | $945 | ($229) | $1,092 |
Weighted average shares outstanding | 21,872,293 | 21,871,063 | 21,872,293 | 21,869,768 |
Dilutive shares for stock options and warrants | ' | ' | ' | ' |
Weighted average dilutive shares outstanding | 21,872,293 | 21,871,063 | 21,872,293 | 21,869,768 |
Basic income (loss) per share | ($0.01) | $0.04 | ($0.01) | $0.05 |
Diluted income (loss) per share | ($0.01) | $0.04 | ($0.01) | $0.05 |
Trust_Preferred_Securities_And1
Trust Preferred Securities And Deferral Of Interest Payments (Details) (USD $) | 6 Months Ended | 12 Months Ended | 6 Months Ended | 6 Months Ended | |||
In Millions, unless otherwise specified | Jun. 30, 2014 | Dec. 31, 2013 | Dec. 31, 2006 | Jun. 30, 2014 | Jul. 07, 2004 | Jun. 30, 2014 | Sep. 27, 2006 |
item | NPB Capital Trust 1 [Member] | NPB Capital Trust 1 [Member] | NPB Capital Trust 2 [Member] | NPB Capital Trust 2 [Member] | |||
Debt Instrument [Line Items] | ' | ' | ' | ' | ' | ' | ' |
Issuance of floating rate trust preferred securities | ' | ' | ' | ' | $11.30 | ' | $5.20 |
Number of branch banks acquired | ' | ' | 2 | ' | ' | ' | ' |
Interest rate terms, spread over reference rate | ' | ' | ' | 2.60% | ' | 1.77% | ' |
Interest rate | ' | ' | ' | 2.83% | ' | 2.00% | ' |
Securities Maturity | '30 years | ' | ' | ' | ' | ' | ' |
Minimum redemption period | '5 years | ' | ' | ' | ' | ' | ' |
Maximum interest and penalty payment deferral period | '60 months | ' | ' | ' | ' | ' | ' |
Deferral period for dividends on trust preferred securities | '60 months | ' | ' | ' | ' | ' | ' |
Dividends in arrears | $2.20 | $2 | ' | ' | ' | ' | ' |
Fair_Values_Narrative_Details
Fair Values (Narrative) (Details) (USD $) | Jun. 30, 2014 | Dec. 31, 2013 |
Fair Values [Abstract] | ' | ' |
Investment securities, available for sale | $85,831,000 | $79,126,000 |
Aggregate carrying amounts of impaired loans | 31,000,000 | 37,000,000 |
Aggregate carrying amount of foreclosed assets | $14,400,000 | $15,900,000 |
Fair_Values_Summary_Of_Assets_
Fair Values (Summary Of Assets And Liabilities Measured At Fair Value) (Details) (USD $) | 6 Months Ended | 12 Months Ended |
In Thousands, unless otherwise specified | Jun. 30, 2014 | Dec. 31, 2013 |
Quoted Market Price In Active Markets (Level 1) [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | ' | ' |
Significant Other Observable Inputs (Level 2) [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | 85,831 | 79,126 |
Significant Unobservable Inputs (Level 3) [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | 45,361 | 52,823 |
Commercial [Member] | Quoted Market Price In Active Markets (Level 1) [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | ' | ' |
Commercial [Member] | Quoted Market Price In Active Markets (Level 1) [Member] | Real Estate [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | ' | ' |
Commercial [Member] | Significant Unobservable Inputs (Level 3) [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | 820 | 779 |
Commercial [Member] | Significant Unobservable Inputs (Level 3) [Member] | Real Estate [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | 14,827 | 19,957 |
Construction And Land Development [Member] | Quoted Market Price In Active Markets (Level 1) [Member] | Real Estate [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | ' | ' |
Construction And Land Development [Member] | Significant Unobservable Inputs (Level 3) [Member] | Real Estate [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | 784 | 752 |
Residential 1-4 Family [Member] | Quoted Market Price In Active Markets (Level 1) [Member] | Real Estate [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | ' | ' |
Residential 1-4 Family [Member] | Significant Unobservable Inputs (Level 3) [Member] | Real Estate [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | 6,107 | 6,835 |
Multifamily [Member] | Quoted Market Price In Active Markets (Level 1) [Member] | Real Estate [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | ' | ' |
Multifamily [Member] | Significant Unobservable Inputs (Level 3) [Member] | Real Estate [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | 676 | 555 |
Farmland [Member] | Quoted Market Price In Active Markets (Level 1) [Member] | Real Estate [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | ' | ' |
Farmland [Member] | Significant Unobservable Inputs (Level 3) [Member] | Real Estate [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | 7,682 | 7,989 |
Agriculture [Member] | Quoted Market Price In Active Markets (Level 1) [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | ' | ' |
Agriculture [Member] | Significant Unobservable Inputs (Level 3) [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | 65 | 72 |
Consumer Installment Loans [Member] | Quoted Market Price In Active Markets (Level 1) [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | ' | ' |
Consumer Installment Loans [Member] | Significant Unobservable Inputs (Level 3) [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | 19 | 31 |
All Other Loans [Member] | Quoted Market Price In Active Markets (Level 1) [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | ' | ' |
Recurring Basis [Member] | U.S. Government Agencies [Member] | Quoted Market Price In Active Markets (Level 1) [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | ' | ' |
Recurring Basis [Member] | U.S. Government Agencies [Member] | Significant Other Observable Inputs (Level 2) [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | 39,709 | 38,601 |
Recurring Basis [Member] | Mortgage Backed Securities [Member] | Quoted Market Price In Active Markets (Level 1) [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | ' | ' |
Recurring Basis [Member] | Mortgage Backed Securities [Member] | Significant Other Observable Inputs (Level 2) [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | 46,122 | 40,525 |
Non-Recurring Basis [Member] | Quoted Market Price In Active Markets (Level 1) [Member] | Other Real Estate Owned [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | ' | ' |
Non-Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Other Real Estate Owned [Member] | ' | ' |
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' |
Total | $14,381 | $15,853 |
Fair_Values_Schedule_Of_Signif
Fair Values (Schedule Of Significant Unobservable Inputs In Level 3 Assets ) (Details) (USD $) | 6 Months Ended |
In Thousands, unless otherwise specified | Jun. 30, 2014 |
Impaired Loans [Member] | ' |
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items] | ' |
Fair Value | $30,980 |
Valuation Technique | 'Appraised Value/Discounted Cash Flows/Market Value of Note |
Significant Unobservable Inputs | 'Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell |
General Range of Significant Unobservable Input Values, Minimum Discount Rate | 0.00% |
General Range of Significant Unobservable Input Values, Maximum Discount Rate | 18.00% |
Other Real Estate Owned [Member] | ' |
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items] | ' |
Fair Value | $14,381 |
Valuation Technique | 'Appraised Value/Comparable Sales/Other Estimates from Independent Sources |
Significant Unobservable Inputs | 'Discounts to reflect current market conditions and estimated costs to sell |
General Range of Significant Unobservable Input Values, Minimum Discount Rate | 0.00% |
General Range of Significant Unobservable Input Values, Maximum Discount Rate | 18.00% |
Fair_Values_Estimated_Fair_Val
Fair Values (Estimated Fair Value Of Financial Instruments) (Details) (USD $) | Jun. 30, 2014 | Dec. 31, 2013 |
In Thousands, unless otherwise specified | ||
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] | ' | ' |
Net Loans | $460,070 | $479,943 |
Time deposits | 330,222 | 346,991 |
Carrying Value [Member] | ' | ' |
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] | ' | ' |
Net Loans | 460,070 | 479,943 |
Time deposits | 330,222 | 346,991 |
FHLB advances | 4,758 | 5,358 |
Fair Value [Member] | ' | ' |
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] | ' | ' |
Net Loans | 461,632 | 482,285 |
Time deposits | 331,854 | 348,944 |
FHLB advances | 4,758 | 5,358 |
Quoted Market Price In Active Markets (Level 1) [Member] | ' | ' |
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] | ' | ' |
Net Loans | ' | ' |
Time deposits | ' | ' |
FHLB advances | ' | ' |
Significant Other Observable Inputs (Level 2) [Member] | ' | ' |
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] | ' | ' |
Net Loans | 430,652 | 445,315 |
Time deposits | 331,854 | 348,944 |
FHLB advances | 4,758 | 5,358 |
Significant Unobservable Inputs (Level 3) [Member] | ' | ' |
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] | ' | ' |
Net Loans | $30,980 | $36,970 |
Subsequent_Events_Details
Subsequent Events (Details) (Subsequent Event [Member], USD $) | 1 Months Ended |
In Millions, unless otherwise specified | Jul. 31, 2014 |
item | |
Subsequent Event [Line Items] | ' |
Number of branch bank closings expected | 4 |
Expected Retention for Administrative Uses and Possible Future Expansion of NPB Insurance Services, Inc. [Member] | ' |
Subsequent Event [Line Items] | ' |
Number of branch bank closings expected | 2 |
Discussion of Possible Uses, Including Possible Sale [Member] | ' |
Subsequent Event [Line Items] | ' |
Number of branch bank closings expected | 2 |
Branch bank closings, book value | 1.6 |