Note 7 - Loans and Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2014

Note 7 - Loans and Allowance for Loan Losses (Tables) [Line Items]

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

(In thousands)	March 31, 2014		December 31, 2013
Real Estate:
Real estate mortgage - construction and land development	$	98,220	$	101,352
Real estate mortgage - residential		366,622		371,582
Real estate mortgage - farmland and other commercial enterprises		414,430		418,147
Commercial:
Commercial and industrial		47,899		47,426
States and political subdivisions		20,857		21,561
Lease financing		578		902
Other		21,266		23,840
Consumer:
Secured		8,019		8,579
Unsecured		6,036		6,513
Total loans		983,927		999,902
Less unearned income		8		19
Total loans, net of unearned income	$	983,919	$	999,883

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

Three months ended March 31, 2014 (In thousands)	Real Estate			Commercial			Consumer			Total
Balance, beginning of period	$	18,716		$	1,409		$	452		$	20,577
Provision for loan losses		(756	)		925			(37	)		132
Recoveries		168			27			35			230
Loans charged off		(1,014	)		(1,160	)		(75	)		(2,249	)
Balance, end of period	$	17,114		$	1,201		$	375		$	18,690

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

Impaired Financing Receivables [Table Text Block]

March 31, 2014 (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 mortgage - construction and land development	$	16,753	$	9,354	$	4,612	$	13,966	$	929
Real estate mortgage - residential		11,590		3,729		7,747		11,476		1,456
Real estate mortgage - farmland and other commercial enterprises		33,534		13,587		19,096		32,683		1,362
Commercial
Commercial and industrial		246		24		224		248		200
Consumer
Secured		18		-		18		18		15
Unsecured		69		-		69		69		69
Total	$	62,210	$	26,694	$	31,766	$	58,460	$	4,031

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
Real Estate
Real estate mortgage- construction and land development	$	17,234	$	9,742	$	4,699	$	14,441	$	930
Real estate mortgage - residential		11,595		2,871		8,612		11,483		1,443
Real estate mortgage - farmland and other commercial enterprises		32,102		12,262		19,746		32,008		1,443
Commercial
Commercial and industrial		311		24		293		317		200
Consumer
Secured		18		-		18		18		15
Unsecured		71		-		72		72		71
Total	$	61,331	$	24,899	$	33,440	$	58,339	$	4,102

Loans and ALL Disaggregated Impairment Method [Table Text Block]

March 31, 2014 (In thousands)	Real Estate		Commercial		Consumer		Total
Allowance for Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	3,747	$	200	$	84	$	4,031
Collectively evaluated for impairment		13,367		1,001		291		14,659
Total ending allowance balance	$	17,114	$	1,201	$	375	$	18,690
Loans
Loans individually evaluated for impairment	$	58,125	$	248	$	87	$	58,460
Loans collectively evaluated for impairment		821,147		90,344		13,968		925,459
Total ending loan balance, net of unearned income	$	879,272	$	90,592	$	14,055	$	983,919

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

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

March 31, 2014 (In thousands)	Nonaccrual		Restructured Loans		Loans Past Due 90 Days or More and Still Accruing
Real Estate:
Real estate mortgage - construction and land development	$	5,498	$	4,219	$	-
Real estate mortgage - residential		5,156		4,790		-
Real estate mortgage - farmland and other commercial enterprises		13,762		16,885		434
Commercial:
Commercial and industrial		220		-		-
Lease financing		70		-		-
Other		12		-		-
Consumer:
Secured		2		-		-
Unsecured		-		50		-
Total	$	24,720	$	25,944	$	434

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

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, 2014 (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	$	-	$	588	$	588	$	97,632	$	98,220
Real estate mortgage - residential		1,972		2,390		4,362		362,260		366,622
Real estate mortgage - farmland and other commercial enterprises		690		11,225		11,915		402,515		414,430
Commercial:
Commercial and industrial		54		196		250		47,649		47,899
States and political subdivisions		-		-		-		20,857		20,857
Lease financing, net		8		70		78		492		570
Other		17		-		17		21,249		21,266
Consumer:
Secured		12		2		14		8,005		8,019
Unsecured		52		-		52		5,984		6,036
Total	$	2,805	$	14,471	$	17,276	$	966,643	$	983,919

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

Financing Receivable Credit Quality Indicators [Table Text Block]

Real Estate							Commercial
March 31, 2014(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	$	76,055	$	328,058	$	349,845	$	46,296	$	20,857	$	500	$	21,188
Special Mention		6,874		15,926		26,549		805		-		-		59
Substandard		15,291		22,638		37,550		798		-		70		19
Doubtful		-		-		486		-		-		-		-
Total	$	98,220	$	366,622	$	414,430	$	47,899	$	20,857	$	570	$	21,266

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

Credit Quality Consumer Loans [Table Text Block]

	March 31, 2014				December 31, 2013
	Consumer				Consumer
(In thousands)	Secured		Unsecured		Secured		Unsecured
Credit risk profile based on payment activity:
Performing	$	8,017	$	5,986	$	8,576	$	6,461
Nonperforming		2		50		3		52
Total	$	8,019	$	6,036	$	8,579	$	6,513

Additional Information Regarding Impaired Loans [Member]

Note 7 - Loans and Allowance for Loan Losses (Tables) [Line Items]

Impaired Financing Receivables [Table Text Block]

Three Months Ended March 31, 2014 (In thousands)	Average		Interest Income Recognized		Cash Basis Interest Recognized
Real Estate
Real estate mortgage - construction and land development	$	15,623	$	113	$	111
Real estate mortgage - residential		11,713		115		109
Real estate mortgage - farmland and other commercial enterprises		34,193		386		376
Commercial
Commercial and industrial		249		1		-
Consumer
Secured		18		-		-
Unsecured		70		4		3
Total	$	61,866	$	619	$	599

Three Months Ended March 31, 2013 (In thousands)	Average		Interest Income Recognized		Cash Basis Interest Recognized
Real Estate
Real estate mortgage - 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