Note 8 - Loans and Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2013

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

(In thousands)	March 31, 2013		December 31, 2012
Real Estate:
Real estate - construction and land development	$	103,214	$	102,454
Real estate mortgage - residential		373,894		368,762
Real estate mortgage - farmland and other commercial enterprises		433,127		425,477
Commercial:
Commercial and industrial		47,595		46,812
States and political subdivisions		23,329		21,472
Lease financing		2,224		2,732
Other		17,631		19,156
Consumer:
Secured		10,852		11,732
Unsecured		6,193		6,515
Total loans		1,018,059		1,005,112
Less unearned income		82		117
Total loans, net of unearned income	$	1,017,977	$	1,004,995

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

Three months ended March 31, 2013 (In thousands)	Real Estate			Commercial			Consumer			Total
Balance, beginning of period	$	22,254		$	1,513		$	678		$	24,445
Provision for loan losses		(652	)		(7	)		27			(632	)
Recoveries		136			83			36			255
Loans charged off		(336	)		(31	)		(138	)		(505	)
Balance, end of period	$	21,402		$	1,558		$	603		$	23,563

Three months ended March 31, 2012 (In thousands)	Real Estate			Commercial			Consumer			Total
Balance, beginning of period	$	23,538		$	3,508		$	1,218		$	28,264
Provision for loan losses		2,593			(1,296	)		(320	)		977
Recoveries		127			99			56			282
Loans charged off		(2,268	)		(73	)		(129	)		(2,470	)
Balance, end of period	$	23,990		$	2,238		$	825		$	27,053

Impaired Financing Receivables [Table Text Block]

March 31, 2013 (In thousands)	Unpaid Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Allowance for Loan Losses Allocated
Real Estate
Real estate - construction and land development	$	26,523	$	11,568	$	12,289	$	23,857	$	1,887
Real estate mortgage - residential		8,138		2,796		5,370		8,166		1,067
Real estate mortgage - farmland and other commercial enterprises		32,308		15,432		15,393		30,825		1,425
Commercial
Commercial and industrial		667		400		268		668		245
Consumer
Secured		21		-		21		21		17
Unsecured		211		-		213		213		100
Total	$	67,868	$	30,196	$	33,554	$	63,750	$	4,741

December 31, 2102 (In thousands)	Unpaid Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Allowance for Loan Losses Allocated
Real Estate
Real estate - construction and land development	$	26,831	$	12,712	$	11,068	$	23,780	$	2,075
Real estate mortgage - residential		7,474		2,215		5,259		7,474		1,069
Real estate mortgage - farmland and other commercial enterprises		33,491		13,294		18,803		32,097		1,588
Commercial
Commercial and industrial		210		-		207		207		198
Consumer
Secured		21		-		21		21		17
Unsecured		309		-		310		310		196
Total	$	68,336	$	28,221	$	35,668	$	63,889	$	5,143

Loans and ALL Disaggregated Impairment Method [Table Text Block]

March 31, 2013 (In thousands)	Real Estate		Commercial		Consumer		Total
Allowance for Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	4,379	$	245	$	117	$	4,741
Collectively evaluated for impairment		17,023		1,313		486		18,822
Total ending allowance balance	$	21,402	$	1,558	$	603	$	23,563
Loans
Loans individually evaluated for impairment	$	62,848	$	668	$	234	$	63,750
Loans collectively evaluated for impairment		847,387		90,029		16,811		954,227
Total ending loan balance, net of unearned income	$	910,235	$	90,697	$	17,045	$	1,017,977

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

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

March 31, 2013 (In thousands)	Nonaccrual		Restructured Loans		Loans Past Due 90 Days or More and Still Accruing
Real Estate:
Real estate - construction and land development	$	6,693	$	6,678	$	-
Real estate mortgage - residential		6,143		2,953		82
Real estate mortgage - farmland and other commercial enterprises		14,473		16,860		-
Commercial:
Commercial and industrial		608		-		-
Lease financing		47		-		-
Consumer:
Secured		29		-		-
Unsecured		1		38		-
Total	$	27,994	$	26,529	$	82

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

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
Three Months Ended March 31, 2013
Real Estate:
Real estate mortgage - residential		2	$	291	$	291
Total		2	$	291	$	291

Past Due Financing Receivables [Table Text Block]

March 31, 2013 (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	$	106	$	567	$	673	$	102,541	$	103,214
Real estate mortgage - residential		1,327		2,666		3,993		369,901		373,894
Real estate mortgage - farmland and other commercial enterprises		1,731		12,038		13,769		419,358		433,127
Commercial:
Commercial and industrial		123		453		576		47,019		47,595
States and political subdivisions		-		-		-		23,329		23,329
Lease financing, net		19		47		66		2,076		2,142
Other		51		-		51		17,580		17,631
Consumer:
Secured		98		23		121		10,731		10,852
Unsecured		66		-		66		6,127		6,193
Total	$	3,521	$	15,794	$	19,315	$	998,662	$	1,017,977

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

Financing Receivable Credit Quality Indicators [Table Text Block]

	Real Estate						Commercial
March 31, 2013 (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	$	74,747	$	332,632	$	358,480	$	42,678	$	23,329	$	2,095	$	17,136
Special Mention		7,121		18,190		32,551		3,519		-		-		481
Substandard		21,306		23,072		42,048		1,322		-		47		14
Doubtful		40		-		48		76		-		-		-
Total	$	103,214	$	373,894	$	433,127	$	47,595	$	23,329	$	2,142	$	17,631

	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

Credit Quality Consumer Loans [Table Text Block]

	March 31, 2013				December 31, 2012
	Consumer				Consumer
(In thousands)	Secured		Unsecured		Secured		Unsecured
Credit risk profile based on payment activity:
Performing	$	10,823	$	6,154	$	11,723	$	6,382
Nonperforming		29		39		9		133
Total	$	10,852	$	6,193	$	11,732	$	6,515

Additional Information Regarding Impaired Loans [Member]

Impaired Financing Receivables [Table Text Block]

Three Months Ended March 31, 2013 (In thousands)	Average		Interest Income Recognized		Cash Basis Interest Recognized
Real Estate
Real estate - construction and land development	$	25,945	$	353	$	342
Real estate mortgage - residential		8,288		85		80
Real estate mortgage - farmland and other commercial enterprises		31,191		248		242
Commercial
Commercial and industrial		704		4		4
Consumer
Secured		21		-		-
Unsecured		213		3		2
Total	$	66,362	$	693	$	670

Three Months Ended March 31, 2012 (In thousands)	Average		Interest Income Recognized		Cash Basis Interest Recognized
Real Estate
Real estate - construction and land development	$	35,550	$	108	$	99
Real estate mortgage - residential		24,133		242		232
Real estate mortgage - farmland and other commercial enterprises		41,107		503		359
Commercial
Commercial and industrial		765		14		14
Consumer
Secured		106		5		5
Unsecured		192		4		4
Total	$	101,853	$	876	$	713