Note 10 - Regulatory Matters (Tables)

6 Months Ended

Jun. 30, 2012

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]

	June 30, 2012									December 31, 2011
	Tier 1 Risk-based  Capital1			Total Risk-based Capital1			Tier 1 Leverage2			Tier 1 Risk-based  Capital1			Total Risk-based Capital1			Tier 1 Leverage2
Consolidated		17.25	%		18.52	%		10.44	%		16.68	%		17.95	%		9.99	%
Farmers Bank		18.20			19.46			9.94			17.58			18.84			9.47
First Citizens		13.51			14.47			9.38			13.47			14.21			8.93
United Bank		14.77			16.05			9.22			13.51			14.79			8.44
Citizens Northern		12.74			13.99			8.74			12.24			13.49			8.48