Note 17 - Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2012

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

(Dollars in thousands)	Actual					For Capital Adequacy Purposes					To Be Well-Capitalized Under Prompt Corrective Action Provisions
December 31, 2012	Amount		Ratio			Amount		Ratio			Amount		Ratio
Tier 1 Risk-based Capital1
Consolidated	$	206,470		18.27	%	$	45,215		4.00	%		N/A		N/A
Farmers Bank2		69,582		17.94			15,515		4.00		$	23,273		6.00	%
United Bank2		51,695		15.41			13,420		4.00			20,130		6.00
First Citizens		29,017		13.57			8,552		4.00			12,828		6.00
Citizens Northern2		23,553		12.97			7,264		4.00			10,896		6.00
Total Risk-based Capital 1
Consolidated	$	220,741		19.53	%	$	90,431		8.00	%		N/A		N/A
Farmers Bank2		74,475		19.20			31,030		8.00		$	38,788		10.00	%
United Bank2		55,980		16.69			26,839		8.00			33,549		10.00
First Citizens		30,908		14.46			17,104		8.00			21,380		10.00
Citizens Northern2		25,826		14.22			14,528		8.00			18,159		10.00
Tier 1 Leverage Capital 3
Consolidated	$	206,470		11.24	%	$	73,479		4.00	%		N/A		N/A
Farmers Bank2		69,582		9.68			28,768		4.00		$	35,960		5.00	%
United Bank2		51,695		9.45			21,878		4.00			27,347		5.00
First Citizens		29,017		9.42			12,327		4.00			15,409		5.00
Citizens Northern2		23,553		9.36			10,063		4.00			12,579		5.00
December 31, 2011
Tier 1 Risk-based Capital1
Consolidated	$	192,648		16.68	%	$	46,194		4.00	%		N/A		N/A
Farmers Bank2		70,101		17.58			15,954		4.00		$	23,932		6.00	%
United Bank2		48,744		13.51			14,437		4.00			21,656		6.00
First Citizens		28,025		13.47			8,323		4.00			12,485		6.00
Citizens Northern2		21,553		12.24			7,045		4.00			10,568		6.00
Total Risk-based Capital 1
Consolidated	$	207,254		17.95	%	$	92,388		8.00	%		N/A		N/A
Farmers Bank2		75,151		18.84			31,909		8.00		$	39,886		10.00	%
United Bank2		53,368		14.79			28,874		8.00			36,093		10.00
First Citizens		29,579		14.21			16,647		8.00			20,809		10.00
Citizens Northern2		23,764		13.49			14,091		8.00			17,614		10.00
Tier 1 Leverage Capital 3
Consolidated	$	192,648		10.16	%	$	75,873		4.00	%		N/A		N/A
Farmers Bank2		70,101		9.47			29,611		4.00		$	37,013		5.00	%
United Bank2		48,744		8.44			23,105		4.00			28,881		5.00
First Citizens		28,025		8.93			12,550		4.00			15,688		5.00
Citizens Northern2		21,553		8.48			10,168		4.00			12,711		5.00