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

6 Months Ended

Jun. 30, 2013

Note 8 - Loans and Allowance for Loan Losses (Tables) [Line Items]

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

(In thousands)	June 30, 2013		December 31, 2012
Real Estate:
Real estate – construction and land development	$	103,766	$	102,454
Real estate mortgage – residential		371,790		368,762
Real estate mortgage – farmland and other commercial enterprises		422,247		425,477
Commercial:
Commercial and industrial		47,732		46,812
States and political subdivisions		22,597		21,472
Lease financing		1,686		2,732
Other		18,681		19,156
Consumer:
Secured		10,071		11,732
Unsecured		6,251		6,515
Total loans		1,004,821		1,005,112
Less unearned income		55		117
Total loans, net of unearned income	$	1,004,766	$	1,004,995

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

(In thousands)	Real Estate			Commercial			Consumer			Total
Three months ended June 30, 2013
Balance, beginning of period	$	21,402		$	1,558		$	603		$	23,563
Provision for loan losses		(848	)		624			(138	)		(362	)
Recoveries		48			14			114			176
Loans charged off		(362	)		(19	)		(53	)		(434	)
Balance, end of period	$	20,240		$	2,177		$	526		$	22,943
Six months ended June 30, 2013
Balance, beginning of period	$	22,254		$	1,513		$	678		$	24,445
Provision for loan losses		(1,500	)		617			(111	)		(994	)
Recoveries		184			97			150			431
Loans charged off		(698	)		(50	)		(191	)		(939	)
Balance, end of period	$	20,240		$	2,177		$	526		$	22,943

(In thousands)	Real Estate			Commercial			Consumer			Total
Three months ended June 30, 2012
Balance, beginning of period	$	23,990		$	2,238		$	825		$	27,053
Provision for loan losses		1,437			(85	)		(11	)		1,341
Recoveries		75			22			56			153
Loans charged off		(1,281	)		(38	)		(115	)		(1,434	)
Balance, end of period	$	24,221		$	2,137		$	755		$	27,113
Six months ended June 30, 2012
Balance, beginning of period	$	23,538		$	3,508		$	1,218		$	28,264
Provision for loan losses		4,030			(1,381	)		(331	)		2,318
Recoveries		202			121			112			435
Loans charged off		(3,549	)		(111	)		(244	)		(3,904	)
Balance, end of period	$	24,221		$	2,137		$	755		$	27,113

Impaired Financing Receivables [Table Text Block]

June 30, 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	$	26,194	$	11,290	$	12,212	$	23,502	$	1,883
Real estate mortgage – residential		10,127		2,199		7,889		10,088		1,063
Real estate mortgage – farmland and other commercial enterprises		26,822		10,330		16,358		26,688		1,388
Commercial
Commercial and industrial		976		-		979		979		892
Consumer
Secured		20		-		20		20		16
Unsecured		212		-		213		213		102
Total	$	64,351	$	23,819	$	37,671	$	61,490	$	5,344

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]

June 30, 2013 (In thousands)	Real Estate		Commercial		Consumer		Total
Allowance for Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	4,334	$	892	$	118	$	5,344
Collectively evaluated for impairment		15,906		1,285		408		17,599
Total ending allowance balance	$	20,240	$	2,177	$	526	$	22,943
Loans
Loans individually evaluated for impairment	$	60,278	$	979	$	233	$	61,490
Loans collectively evaluated for impairment		837,525		89,662		16,089		943,276
Total ending loan balance, net of unearned income	$	897,803	$	90,641	$	16,322	$	1,004,766

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]

June 30, 2013 (In thousands)	Nonaccrual		Restructured Loans		Loans Past Due 90 Days or More and Still Accruing
Real Estate:
Real estate – construction and land development	$	6,482	$	6,666	$	-
Real estate mortgage – residential		4,863		2,947		-
Real estate mortgage – farmland and other commercial enterprises		9,665		16,573		-
Commercial:
Commercial and industrial		204		13		-
Lease financing		41		-		-
Consumer:
Secured		4		-		-
Unsecured		-		39		-
Total	$	21,259	$	26,238	$	-

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 June 30, 2013
Real Estate:
Real estate mortgage – residential		1	$	18	$	18
Commercial:
Commercial and industrial		1		2		2
Consumer:
Secured		1		13		13
Total		3	$	33	$	33
Six Months Ended June 30, 2013
Real Estate:
Real estate mortgage – residential		3	$	309	$	309
Commercial:
Commercial and industrial		1		2		2
Consumer:
Secured		1		13		13
Total		5	$	324	$	324
Three Months Ended June 30, 2012
Real Estate:
Real estate mortgage – residential		1	$	72	$	72
Total		1	$	72	$	72
Six Months Ended June 30, 2012
Real Estate:
Real estate mortgage – residential		1	$	72	$	72
Total		1	$	72	$	72

Past Due Financing Receivables [Table Text Block]

June 30, 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	$	6	$	699	$	705	$	103,061	$	103,766
Real estate mortgage – residential		2,536		1,881		4,417		367,373		371,790
Real estate mortgage – farmland and other commercial enterprises		4,998		7,477		12,475		409,772		422,247
Commercial:
Commercial and industrial		215		53		268		47,464		47,732
States and political subdivisions		-		-		-		22,597		22,597
Lease financing, net		-		41		41		1,590		1,631
Other		40		-		40		18,641		18,681
Consumer:
Secured		80		-		80		9,991		10,071
Unsecured		28		-		28		6,223		6,251
Total	$	7,903	$	10,151	$	18,054	$	986,712	$	1,004,766

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
June 30, 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	$	76,357	$	332,975	$	343,545	$	43,175	$	22,597	$	1,590	$	18,208
Special mention		6,738		16,818		40,595		2,942		-		-		462
Substandard		20,637		21,949		38,107		1,539		-		41		11
Doubtful		34		48		-		76		-		-		-
Total	$	103,766	$	371,790	$	422,247	$	47,732	$	22,597	$	1,631	$	18,681

	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]

	June 30, 2013				December 31, 2012
	Consumer				Consumer
(In thousands)	Secured		Unsecured		Secured		Unsecured
Credit risk profile based on payment activity:
Performing	$	10,067	$	6,212	$	11,723	$	6,382
Nonperforming		4		39		9		133
Total	$	10,071	$	6,251	$	11,732	$	6,515

Additional Information Regarding Impaired Loans [Member]

Note 8 - Loans and Allowance for Loan Losses (Tables) [Line Items]

Impaired Financing Receivables [Table Text Block]

Three Months Ended June 30, 2013 (In thousands)	Average		Interest Income Recognized		Cash Basis Interest Recognized
Real Estate
Real estate – construction and land development	$	24,159	$	338	$	347
Real estate mortgage – residential		10,836		87		83
Real estate mortgage – farmland and other commercial enterprises		28,209		236		236
Commercial
Commercial and industrial		1,154		29		29
Consumer
Secured		21		1		1
Unsecured		215		3		4
Total	$	64,594	$	694	$	700

Six Months Ended June 30, 2013 (In thousands)	Average		Interest Income Recognized		Cash Basis Interest Recognized
Real Estate
Real estate – construction and land development	$	25,047	$	691	$	689
Real estate mortgage – residential		9,569		172		163
Real estate mortgage – farmland and other commercial enterprises		29,692		484		478
Commercial
Commercial and industrial		930		33		33
Consumer
Secured		21		1		1
Unsecured		214		6		6
Total	$	65,473	$	1,387	$	1,370

Three Months Ended June 30, 2012 (In thousands)	Average		Interest Income Recognized		Cash Basis Interest Recognized
Real Estate
Real estate – construction and land development	$	46,166	$	201	$	199
Real estate mortgage – residential		16,449		86		93
Real estate mortgage – farmland and other commercial enterprises		40,761		498		469
Commercial
Commercial and industrial		301		-		-
Consumer
Secured		70		-		-
Unsecured		186		1		1
Total	$	103,933	$	786	$	762

Six Months Ended June 30, 2012 (In thousands)	Average		Interest Income Recognized		Cash Basis Interest Recognized
Real Estate
Real estate – construction and land development	$	43,491	$	381	$	369
Real estate mortgage – residential		17,658		256		254
Real estate mortgage – farmland and other commercial enterprises		40,934		1,001		828
Commercial
Commercial and industrial		533		14		14
Consumer
Secured		88		5		5
Unsecured		189		5		5
Total	$	102,893	$	1,662	$	1,475