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

12 Months Ended

Dec. 31, 2013

Note 3 - Loans and Allowance for Loan Losses (Tables) [Line Items]

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

December 31, (In thousands)	2013		2012
Real Estate:
Real estate mortgage – construction and land development	$	101,352	$	102,454
Real estate mortgage – residential		371,582		368,762
Real estate mortgage – farmland and other commercial enterprises		418,147		425,477
Commercial:
Commercial and industrial		47,426		46,812
States and political subdivisions		21,561		21,472
Lease financing		902		2,732
Other		23,840		19,156
Consumer:
Secured		8,579		11,732
Unsecured		6,513		6,515
Total loans		999,902		1,005,112
Less unearned income		19		117
Total loans, net of unearned income	$	999,883	$	1,004,995

Schedule of Related Party Transactions [Table Text Block]

(In thousands) Years Ended December 31,	2013		2012		2011
Legal fees	$	169	$	445	$	310
Commissions and fees related to the sale of repossessed commercial real estate and property management		9		140		-
Insurance commissions		8		24		28
Premises rental		-		-		3
Other		6		-		8
Total	$	192	$	609	$	349

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

(In thousands)	Real Estate			Commercial			Consumer			Total
2013
Balance at beginning of period	$	22,254		$	1,513		$	678		$	24,445
Provision for loan losses		(2,432	)		(2	)		(166	)		(2,600	)
Recoveries		327			155			221			703
Loans charged off		(1,433	)		(257	)		(281	)		(1,971	)
Balance at end of period	$	18,716		$	1,409		$	452		$	20,577
2012
Balance at 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 at end of period	$	22,254		$	1,513		$	678		$	24,445
2011
Balance at 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 at 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, 2013 (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 mortgage – construction and land development	$	17,234	$	9,742	$	4,699	$	14,441	$	930	$	17,314	$	509	$	461
Real estate mortgage – residential		11,595		2,871		8,612		11,483		1,443		12,727		460		445
Real estate mortgage – farmland and other commercial enterprises		32,102		12,262		19,746		32,008		1,443		32,785		1,546		1,519
Commercial
Commercial and industrial		311		24		293		317		200		994		40		40
Consumer
Secured		18		-		18		18		15		19		1		1
Unsecured		71		-		72		72		71		147		9		9
Total	$	61,331	$	24,899	$	33,440	$	58,339	$	4,102	$	63,986	$	2,565	$	2,475

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 mortgage – 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

Year Ended December 31, 2011 (In thousands)	Average		Interest Income Recognized		Cash Basis Interest Recognized
Real Estate
Real estate mortgage – construction and land development	$	51,226	$	719	$	716
Real estate mortgage – residential		28,732		1,282		1,271
Real estate mortgage – farmland and other commercial enterprises		67,565		2,847		2,768
Commercial
Commercial and industrial		4,174		205		164
Consumer
Secured		66		6		4
Unsecured		9		-		-
Total	$	151,772	$	5,059	$	4,923

Loans and ALL Disaggregated Impairment Method [Table Text Block]

December 31, 2013 (In thousands)	Real Estate		Commercial		Consumer		Total
Allowance for Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	3,816	$	200	$	86	$	4,102
Collectively evaluated for impairment		14,900		1,209		366		16,475
Total ending allowance balance	$	18,716	$	1,409	$	452	$	20,577
Loans
Loans individually evaluated for impairment	$	57,932	$	317	$	90	$	58,339
Loans collectively evaluated for impairment		833,149		93,393		15,002		941,544
Total ending loan balance, net of unearned income	$	891,081	$	93,710	$	15,092	$	999,883

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]

December 31, 2013 (In thousands)	Nonaccrual		Restructured Loans		Loans Past Due 90 Days or More and Still Accruing
Real Estate:
Real estate mortgage – construction and land development	$	5,821	$	4,391	$	-
Real estate mortgage – residential		5,154		4,826		10
Real estate mortgage – farmland and other commercial enterprises		12,677		16,987		434
Commercial:
Commercial and industrial		160		-		-
Lease financing		22		-		-
Consumer:
Secured		3		-		-
Unsecured		1		51		-
Total	$	23,838	$	26,255	$	444

December 31, 2012 (In thousands)	Nonaccrual		Restructured Loans		Loans Past Due 90 Days or More and Still Accruing
Real Estate:
Real estate mortgage – 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)			Pre-Modification Outstanding		Post-Modification Outstanding
Troubled Debt Restructurings:	Number of Loans		Recorded Investment		Recorded Investment
2013
Real Estate:
Real estate mortgage – residential		3	$	309	$	309
Real estate mortgage – farmland and other commercial enterprises		1		598		598
Commercial:
Commercial and industrial		1		13		13
Consumer:
Secured		3		16		16
Total		8	$	936	$	936
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

Past Due Financing Receivables [Table Text Block]

December 31, 2013 (In thousands)	30-89 Days Past Due		90 Days or More Past Due		Total		Current		Total Loans
Real Estate:
Real estate mortgage – construction and land development	$	58	$	613	$	671	$	100,681	$	101,352
Real estate mortgage – residential		1,225		2,502		3,727		367,855		371,582
Real estate mortgage – farmland and other commercial enterprises		3,548		7,978		11,526		406,621		418,147
Commercial:
Commercial and industrial		71		53		124		47,302		47,426
States and political subdivisions		-		-		-		21,561		21,561
Lease financing, net		-		22		22		861		883
Other		56		-		56		23,784		23,840
Consumer:
Secured		41		3		44		8,535		8,579
Unsecured		58		1		59		6,454		6,513
Total	$	5,057	$	11,172	$	16,229	$	983,654	$	999,883

December 31, 2012 (In thousands)	30-89 Days Past Due		90 Days or More Past Due		Total		Current		Total Loans
Real Estate:
Real estate mortgage– 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
December 31, 2013 (In thousands)	Real Estate Mortgage -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	$	77,873	$	334,104	$	352,238	$	45,652	$	21,561	$	861	$	23,820
Special Mention		7,755		15,120		29,156		963		-		-		-
Substandard		15,724		22,358		36,753		735		-		22		20
Doubtful		-		-		-		76		-		-		-
Total	$	101,352	$	371,582	$	418,147	$	47,426	$	21,561	$	883	$	23,840

	Real Estate						Commercial
December 31, 2012 (In thousands)	Real Estate Mortgage -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]

	December 31, 2013				December 31, 2012
	Consumer				Consumer
(In thousands)	Secured		Unsecured		Secured		Unsecured
Credit risk profile based on payment activity:
Performing	$	8,576	$	6,461	$	11,723	$	6,382
Nonperforming		3		52		9		133
Total	$	8,579	$	6,513	$	11,732	$	6,515

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

Note 3 - Loans and Allowance for Loan Losses (Tables) [Line Items]

Schedule of Related Party Transactions [Table Text Block]

(In thousands)	Amount
Balance at December 31, 2012	$	19,987
New loans		5,170
Repayments		(6,434	)
Loans no longer meeting disclosure requirements, new loans meeting disclosure requirements, and other adjustments, net		(658	)
Balance at December 31, 2013	$	18,065