Note 3 - Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2012

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

December 31, (In thousands)	2012		2011
Real Estate:
Real estate – construction and land development	$	102,454	$	119,989
Real estate mortgage – residential		368,762		397,357
Real estate mortgage – farmland and other commercial enterprises		425,477		432,438
Commercial:
Commercial and industrial		46,812		48,771
States and political subdivisions		21,472		23,601
Lease financing		2,732		7,578
Other		19,156		21,435
Consumer:
Secured		11,732		14,214
Unsecured		6,515		7,151
Total loans		1,005,112		1,072,534
Less unearned income		117		426
Total loans, net of unearned income	$	1,004,995	$	1,072,108

Schedule of Related Party Transactions [Table Text Block]

(In thousands) Years Ended December 31,	2012		2011		2010
Legal fees	$	445	$	310	$	499
Commissions related to the sale of repossessed commercial real estate		140		-		-
Insurance commissions		24		28		5
Premises rental		-		3		3
Other		-		8		13
Total	$	609	$	349	$	520

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

(In thousands)	Real Estate			Commercial			Consumer			Total
2012
Balance, beginning of period	$	23,538		$	3,508		$	1,218		$	28,264
Provision for loan losses		4,930			(1,825	)		(333	)		2,772
Recoveries		666			145			234			1,045
Loans charged off		(6,880	)		(315	)		(441	)		(7,636	)
Balance, end of period	$	22,254		$	1,513		$	678		$	24,445
2011
Balance, beginning of period	$	24,527		$	3,260		$	997		$	28,784
Provision for loan losses		12,548			511			428			13,487
Recoveries		241			860			245			1,346
Loans charged off		(13,778	)		(1,123	)		(452	)		(15,353	)
Balance, end of period	$	23,538		$	3,508		$	1,218		$	28,264

Impaired Financing Receivables [Table Text Block]

As of and for the Year Ended December 31, 2012 (In thousands)	Unpaid Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Allowance for Loan Losses Allocated		Average		Interest Income Recognized		Cash Basis Interest Recognized
Real Estate
Real estate – construction and land development	$	26,831	$	12,712	$	11,068	$	23,780	$	2,075	$	34,880	$	871	$	804
Real estate mortgage – residential		7,474		2,215		5,259		7,474		1,069		13,754		333		324
Real estate mortgage – farmland and other commercial enterprises		33,491		13,294		18,803		32,097		1,588		38,077		1,859		1,876
Commercial
Commercial and industrial		210		-		207		207		198		403		17		17
Consumer
Secured		21		-		21		21		17		66		6		6
Unsecured		309		-		310		310		196		271		17		16
Total	$	68,336	$	28,221	$	35,668	$	63,889	$	5,143	$	87,451	$	3,103	$	3,043

As of and for the Year Ended December 31, 2011 (In thousands)	Unpaid Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Allowance for Loan Losses Allocated		Average		Interest Income Recognized		Cash Basis Interest Recognized
Real Estate
Real estate – construction and land development	$	39,762	$	26,363	$	13,440	$	39,803	$	139	$	51,226	$	719	$	716
Real estate mortgage – residential		30,620		19,129		11,603		30,732		704		28,732		1,282		1,271
Real estate mortgage – farmland and other commercial enterprises		63,893		47,559		16,706		64,265		894		67,565		2,847		2,768
Commercial
Commercial and industrial		3,392		2,982		456		3,438		159		4,174		205		164
Consumer
Secured		58		-		60		60		30		66		6		4
Unsecured		18		19		-		19		-		9		-		-
Total	$	137,743	$	96,052	$	42,265	$	138,317	$	1,926	$	151,772	$	5,059	$	4,923

Loans and ALL Disaggregated Impairment Method [Table Text Block]

December 31, 2012 (In thousands)	Real Estate		Commercial		Consumer		Total
Allowance for Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	4,732	$	198	$	213	$	5,143
Collectively evaluated for impairment		17,522		1,315		465		19,302
Total ending allowance balance	$	22,254	$	1,513	$	678	$	24,445
Loans
Loans individually evaluated for impairment	$	63,351	$	207	$	331	$	63,889
Loans collectively evaluated for impairment		833,342		89,848		17,916		941,106
Total ending loan balance, net of unearned income	$	896,693	$	90,055	$	18,247	$	1,004,995

December 31, 2011 (In thousands)	Real Estate		Commercial		Consumer		Total
Allowance for Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	1,737	$	159	$	30	$	1,926
Collectively evaluated for impairment		21,801		3,349		1,188		26,338
Total ending allowance balance	$	23,538	$	3,508	$	1,218	$	28,264
Loans
Loans individually evaluated for impairment	$	134,800	$	3,438	$	79	$	138,317
Loans collectively evaluated for impairment		814,984		97,521		21,286		933,791
Total ending loan balance, net of unearned income	$	949,784	$	100,959	$	21,365	$	1,072,108

Non-performing Loans Including TDR's [Table Text Block]

December 31, 2012 (In thousands)	Nonaccrual		Restructured Loans		Loans Past Due 90 Days or More and Still Accruing
Real Estate:
Real estate – construction and land development	$	7,700	$	8,736	$	-
Real estate mortgage – residential		6,025		634		-
Real estate mortgage – farmland and other commercial enterprises		12,878		16,940		103
Commercial:
Commercial and industrial		649		-		-
Lease financing		53		-		-
Consumer:
Secured		9		-		-
Unsecured		94		39		-
Total	$	27,408	$	26,349	$	103

December 31, 2011 (In thousands)	Nonaccrual		Restructured Loans		Loans Past Due 90 Days or More and Still Accruing
Real Estate:
Real estate – construction and land development	$	30,744	$	6,207	$	-
Real estate mortgage – residential		11,906		3,897		-
Real estate mortgage – farmland and other commercial enterprises		16,503		9,021		-
Commercial:
Commercial and industrial		386		-		-
Lease financing		124		-		-
Consumer:
Secured		80		-		-
Unsecured		12		-		1
Total	$	59,755	$	19,125	$	1

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

(Dollars in thousands) Troubled Debt Restructurings:	Number of Loans	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
2012
Real Estate:
Real estate mortgage – residential	1	$	72	$	72
Real estate mortgage – farmland and other commercial enterprises	1		8,796		8,717
Consumer:
Unsecured	1		38		38
Total	3	$	8,906	$	8,827
2011
Real Estate:
Real estate – construction and land development	1	$	159	$	159
Real estate mortgage – residential	3		1,348		1,360
Total	4	$	1,507	$	1,519

Past Due Financing Receivables [Table Text Block]

December 31, 2012 (In thousands)	30-89 Days Past Due		90 Days or More Past Due		Total		Current		Total Loans
Real Estate:
Real estate – construction and land development	$	908	$	1,361	$	2,269	$	100,185	$	102,454
Real estate mortgage – residential		2,303		2,500		4,803		363,959		368,762
Real estate mortgage – farmland and other commercial enterprises		1,990		10,724		12,714		412,763		425,477
Commercial:
Commercial and industrial		108		53		161		46,651		46,812
States and political subdivisions		-		-		-		21,472		21,472
Lease financing, net		1		53		54		2,561		2,615
Other		38		399		437		18,719		19,156
Consumer:
Secured		69		-		69		11,663		11,732
Unsecured		137		-		137		6,378		6,515
Total	$	5,554	$	15,090	$	20,644	$	984,351	$	1,004,995

December 31, 2011 (In thousands)	30-89 Days Past Due		90 Days or More Past Due		Total		Current		Total Loans
Real Estate:
Real estate – construction and land development	$	3,343	$	18,970	$	22,313	$	97,676	$	119,989
Real estate mortgage – residential		3,382		6,990		10,372		386,985		397,357
Real estate mortgage – farmland and other commercial enterprises		4,138		12,859		16,997		415,441		432,438
Commercial:
Commercial and industrial		98		300		398		48,373		48,771
States and political subdivisions		-		-		-		23,601		23,601
Lease financing, net		80		96		176		6,976		7,152
Other		29		-		29		21,406		21,435
Consumer:
Secured		200		17		217		13,997		14,214
Unsecured		61		5		66		7,085		7,151
Total	$	11,331	$	39,237	$	50,568	$	1,021,540	$	1,072,108

Financing Receivable Credit Quality Indicators [Table Text Block]

	Real Estate						Commercial
December 31, 2012 (In thousands)	Real Estate-Construction and Land Development		Real Estate Mortgage-Residential		Real Estate Mortgage-Farmland and Other Commercial Enterprises		Commercial and Industrial		States and Political Subdivisions		Lease Financing		Other
Credit risk profile by internally assigned rating grades:
Pass	$	68,721	$	328,214	$	348,918	$	41,527	$	21,472	$	2,615	$	18,592
Special Mention		7,562		18,485		35,027		4,201		-		-		559
Substandard		26,171		21,984		41,532		1,008		-		-		5
Doubtful		-		79		-		76		-		-		-
Total	$	102,454	$	368,762	$	425,477	$	46,812	$	21,472	$	2,615	$	19,156

	Real Estate						Commercial
December 31, 2011 (In thousands)	Real Estate-Construction and Land Development		Real Estate Mortgage-Residential		Real Estate Mortgage-Farmland and Other Commercial Enterprises		Commercial and Industrial		States and Political Subdivisions		Lease Financing		Other
Credit risk profile by internally assigned rating grades:
Pass	$	65,306	$	346,648	$	342,998	$	41,556	$	23,601	$	7,022	$	20,415
Special Mention		7,443		14,525		21,453		2,969		-		6		1,000
Substandard		47,091		35,007		65,856		4,103		-		124		20
Doubtful		149		1,177		2,131		143		-		-		-
Total	$	119,989	$	397,357	$	432,438	$	48,771	$	23,601	$	7,152	$	21,435

Credit Quality Consumer Loans [Table Text Block]

	December 31, 2012				December 31, 2011
	Consumer				Consumer
(In thousands)	Secured		Unsecured		Secured		Unsecured
Credit risk profile based on payment activity:
Performing	$	11,723	$	6,382	$	14,134	$	7,138
Nonperforming		9		133		80		13
Total	$	11,732	$	6,515	$	14,214	$	7,151

Loans to Related Parties Made In Ordinary Course Of Business [Member]

Schedule of Related Party Transactions [Table Text Block]

(In thousands)	Amount
Balance, December 31, 2011	$	23,202
New loans		8,965
Repayments		(10,909	)
Loans no longer meeting disclosure requirements, new loans meeting disclosure requirements, and other adjustments, net		(1,271	)
Balance, December 31, 2012	$	19,987

2010 [Member]

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

(In thousands)	2010
Balance, beginning of year	$	23,364
Provision for loan losses		17,233
Recoveries		577
Loans charged off		(12,390	)
Balance, end of year	$	28,784

Impaired Financing Receivables [Table Text Block]

(In thousands)	2010
Average of individually impaired loans during year	$	119,596
Interest income recognized during impairment		4,022
Cash-basis interest income recognized		3,933