Note 18 - Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2016

Notes Tables

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, 201 6	Amount		Ratio			Amount		Ratio			Amount		Ratio
Common Equity Tier 1 Risk-based Capital 1
Consolidated	$	187,474		16.43	%	$	51,349		4.50	%		N/A		N/A
Farmers Bank		64,016		16.53			17,425		4.50		$	25,170		6.50	%
United Bank		58,180		15.54			16,848		4.50			24,337		6.50
First Citizens		28,324		13.56			9,401		4.50			13,580		6.50
Citizens Northern		24,661		15.24			7,280		4.50			10,516		6.50
Tier 1 Risk-based Capital 1
Consolidated	$	219,974		19.28	%	$	68,466		6.00	%		N/A		N/A
Farmers Bank		64,016		16.53			23,234		6.00		$	30,978		8.00	%
United Bank		58,180		15.54			22,465		6.00			29,953		8.00
First Citizens		28,324		13.56			12,535		6.00			16,714		8.00
Citizens Northern		24,661		15.24			9,707		6.00			12,942		8.00
Total Risk-based Capital 1
Consolidated	$	229,318		20.10	%	$	91,288		8.00	%		N/A		N/A
Farmers Bank		66,720		17.23			30,978		8.00		$	38,723		10.00	%
United Bank		61,680		16.47			29,953		8.00			37,441		10.00
First Citizens		29,590		14.16			16,714		8.00			20,892		10.00
Citizens Northern		26,534		16.40			12,942		8.00			16,178		10.00
Tier 1 Leverage Capital 2
Consolidated	$	219,974		13.20	%	$	66,656		4.00	%		N/A		N/A
Farmers Bank		64,016		9.80			26,121		4.00		$	32,651		5.00	%
United Bank		58,180		12.38			18,798		4.00			23,497		5.00
First Citizens		28,324		9.76			11,606		4.00			14,507		5.00
Citizens Northern		24,661		10.68			9,234		4.00			11,543		5.00

(Dollars in thousands)	Actual					For Capital Adequacy Purposes					To Be Well-Capitalized Under Prompt Corrective Action Provisions
December 31, 201 5	Amount		Ratio			Amount		Ratio			Amount		Ratio
Common Equity Tier 1 Risk-based Capital 1
Consolidated	$	172,871		14.91	%	$	52,184		4.50	%		N/A		N/A
Farmers Bank		63,552		15.57			18,366		4.50		$	26,529		6.50	%
United Bank		65,862		18.67			15,879		4.50			22,936		6.50
First Citizens		28,743		13.55			9,543		4.50			13,784		6.50
Citizens Northern		25,770		14.42			8,044		4.50			11,619		6.50
Tier 1 Risk-based Capital 1
Consolidated	$	220,371		19.00	%	$	69,579		6.00	%		N/A		N/A
Farmers Bank		63,552		15.57			24,488		6.00		$	32,651		8.00	%
United Bank		65,862		18.67			21,171		6.00			28,228		8.00
First Citizens		28,743		13.55			12,724		6.00			16,965		8.00
Citizens Northern		25,770		14.42			10,725		6.00			14,300		8.00
Total Risk-based Capital 1
Consolidated	$	230,686		19.89	%	$	92,772		8.00	%		N/A		N/A
Farmers Bank		66,728		16.35			32,651		8.00		$	40,814		10.00	%
United Bank		69,456		19.68			28,228		8.00			35,286		10.00
First Citizens		30,048		14.17			16,965		8.00			21,207		10.00
Citizens Northern		28,004		15.67			14,300		8.00			17,875		10.00
Tier 1 Leverage Capital 2
Consolidated	$	220,371		12.46	%	$	70,746		4.00	%		N/A		N/A
Farmers Bank		63,552		9.20			27,629		4.00		$	34,537		5.00	%
United Bank		65,862		12.89			20,442		4.00			25,553		5.00
First Citizens		28,743		9.20			12,493		4.00			15,617		5.00
Citizens Northern		25,770		10.79			9,555		4.00			11,943		5.00