Note 3 - Loans (Tables)

6 Months Ended

15 Months Ended

18 Months Ended

Jun. 30, 2012

Average Recorded Investment [Member]

Jun. 30, 2012

Average Recorded Investment [Member]

Financing Receivable Credit Quality Indicators [Table Text Block]

Loans at period end were as follows:
(In Thousands of Dollars)	June 30, 2012		December 31, 2011
Commercial & Industrial
Pass loans	$	135,250	$	122,812
Watch loans		13,824		19,542
Special mention loans		6,226		7,878
Substandard loans		2,587		2,928
Impaired restructured and accruing loans		3,058		3,562
Impaired nonaccrual loans		1,452		1,771
Doubtful nonaccrual loans		0		0
Total Commercial & Industrial		162,397		158,493

Commercial Real Estate
Pass loans	$	374,765	$	373,320
Watch loans		57,624		56,571
Special mention loans		19,922		21,155
Substandard loans		7,044		5,686
Impaired restructured and accruing loans		10,985		10,652
Impaired nonaccrual loans		10,490		15,336
Doubtful nonaccrual loans		695		0
Total Commercial Real Estate		481,525		482,720

First lien residential mortgage loans
Performing loans	$	202,711	$	199,117
Loans > 60 days past due		1,511		2,203
Impaired restructured and accruing loans		4,836		4,425
Nonaccrual loans		4,674		5,374
Total First lien residential mortgage loans		213,732		211,119

Junior lien residential mortgage loans
Performing loans	$	61,780	$	66,169
Loans > 60 days past due		116		328
Impaired restructured and accruing loans		224		278
Nonaccrual loans		227		278
Total Junior lien residential mortgage loans		62,347		67,053

Consumer Loans
Performing loans	$	67,400	$	64,075
Loans > 60 days past due		113		239
Impaired restructured and accruing loans		176		0
Nonaccrual loans		340		210
Total Consumer Loans		68,029		64,524

Total Loans	$	988,030	$	983,909

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

(In Thousands of Dollars)
Three months ending June 30, 2012	Commercial and Industrial			Commercial Real Estate			First Lien Residential Mortgages			Junior Lien Residential Mortgages			Consumer Loans			Unallocated		Total
Allowance for Credit Losses:
Beginning balance	$	2,369		$	11,767		$	5,563		$	532		$	945		$	44	$	21,220
Provision for loan losses		317			720			581			100			(66	)		842		2,494
Loans charged off		(297	)		(1,308	)		(572	)		(109	)		(136	)		0		(2,422	)
Recoveries		15			36			71			0			108			0		230
Ending balance	$	2,404		$	11,215		$	5,643		$	523		$	851		$	886	$	21,522

Three months ending June 30, 2011
Allowance for Credit Losses:
Beginning balance	$	2,762		$	12,637		$	4,022		$	548		$	1,078		$	300	$	21,347
Provision for loan losses		89			1,792			1,917			(212	)		394			276		4,256
Loans charged off		(129	)		(2,872	)		(1,303	)		218			(336	)		0		(4,422	)
Recoveries		10			39			36			0			61			0		146
Ending balance	$	2,732		$	11,596		$	4,672		$	554		$	1,197		$	576	$	21,327

Six months ending June 30, 2012	Commercial and Industrial			Commercial Real Estate			First Lien Residential Mortgages			Junior Lien Residential Mortgages			Consumer Loans			Unallocated		Total
Allowance for Credit Losses:
Beginning balance	$	2,485		$	11,534		$	5,393		$	505		$	931		$	171	$	21,019
Provision for loan losses		320			2,246			1,288			321			98			715		4,988
Loans charged off		(426	)		(2,649	)		(1,155	)		(303	)		(384	)		0		(4,917	)
Recoveries		25			84			117			0			206			0		432
Ending balance	$	2,404		$	11,215		$	5,643		$	523		$	851		$	886	$	21,522

Six months ending June 30, 2011
Allowance for Credit Losses:
Beginning balance	$	3,024		$	12,375		$	3,960		$	774		$	1,162		$	136	$	21,431
Provision for loan losses		475			3,605			2,436			(107	)		418			440		7,267
Loans charged off		(889	)		(4,427	)		(1,764	)		(113	)		(518	)		0		(7,710	)
Recoveries		122			43			40			0			134			0		339
Ending balance	$	2,732		$	11,596		$	4,672		$	554		$	1,197		$	576	$	21,327

(In Thousands of Dollars)					First Lien		Junior Lien
June 30, 2012	Commercial and Industrial		Commercial Real Estate		Residential Mortgages		Residential Mortgages		Consumer Loans		Unallocated		Total
Ending balance: individually evaluated for impairment	$	169	$	2,963	$	0	$	0	$	0	$	0	$	3,132

Ending balance: collectively evaluated for impairment	$	2,235	$	8,252	$	5,643	$	523	$	851	$	886	$	18,390

Financing Receivables:
Ending balance	$	162,397	$	481,525	$	213,732	$	62,347	$	68,029	$	0	$	988,030

Ending balance: individually evaluated for impairment	$	4,510	$	22,170	$	0	$	0	$	0	$	0	$	26,680

Ending balance: collectively evaluated for impairment	$	157,887	$	459,355	$	213,732	$	62,347	$	68,029	$	0	$	961,350

June 30, 2011
Ending balance: individually evaluated for impairment	$	659	$	3,318	$	0	$	0	$	0	$	0	$	3,977

Ending balance: collectively evaluated for impairment	$	2,073	$	8,278	$	4,672	$	554	$	1,197	$	576	$	17,370

Financing Receivables:
Ending balance	$	163,010	$	491,893	$	201,675	$	72,807	$	76,577	$	0	$	1,005,962

Ending balance: individually evaluated for impairment	$	1,129	$	7,128	$	0	$	0	$	0	$	0	$	8,257

Ending balance: collectively evaluated for impairment	$	161,881	$	484,765	$	201,675	$	72,807	$	76,577	$	0	$	997,705

Past Due Financing Receivables [Table Text Block]

At June 30, 2012	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Total Financing Receivables		Recorded Investment > 90 days and accruing
Commercial and Industrial	$	622	$	223	$	8	$	853	$	160,092	$	162,397	$	8
Commercial Real Estate		562		437		177		1,176		469,164		481,525		177
Residential Mortgages 1st Liens		698		1,154		356		2,208		206,850		213,732		365
Residential Mortgages Junior Liens		192		100		17		309		61,811		62,347		17
Consumer		469		113		0		582		67,107		68,029		0
Total	$	2,543	$	2,027	$	558	$	5,128	$	965,024	$	988,030	$	567
At December 31, 2011
Commercial and Industrial	$	1,039	$	94	$	0	$	1,133	$	155,589	$	158,493	$	0
Commercial Real Estate		4,313		500		0		4,813		462,571		482,720		0
Residential Mortgage 1st Liens		973		1,875		328		3,176		202,847		211,119		336
Residential Mortgage Junior Liens		561		255		73		889		65,886		67,053		73
Consumer		848		221		18		1,087		63,227		64,524		18
Total	$	7,734	$	2,945	$	419	$	11,098	$	950,120	$	983,909	$	427

Impaired Financing Receivables [Table Text Block]

(In Thousands of Dollars)
June 30, 2012	Recorded Investment		Unpaid Principal Balance		Related Allowance
Period end loans with no allocated allowance for loan losses
Commercial and Industrial	$	3,659	$	3,658		0
Commercial Real Estate		8,314		8,312		0
Residential Mortgages 1st Liens		9,510		9,510		0
Residential Mortgages Junior Liens		450		450		0
Consumer		516		516		0
Total	$	22,449	$	22,446	$	0

Period end loans with allocated allowance for loan losses
Commercial and Industrial	$	439	$	618	$	180
Commercial Real Estate		11,134		14,084		2,952
Residential Mortgages 1st Liens		0		0		0
Residential Mortgages Junior Liens		0		0		0
Consumer		0		0		0
Total	$	11,573	$	14,702	$	3,132

Total
Commercial and Industrial	$	4,098	$	4,276	$	180
Commercial Real Estate		19,448		22,396		2,952
Residential Mortgages 1st Liens		9,510		9,510		0
Residential Mortgages Junior Liens		450		450		0
Consumer		516		516		0
Total	$	34,022	$	37,148	$	3,132

December 31, 2011
Period end loans with no allocated allowance for loan losses
Commercial and Industrial	$	4,358	$	5,846		0
Commercial Real Estate		11,940		16,987		0
Residential Mortgages 1st Liens		10,079		11,120		0
Residential Mortgages Junior Liens		278		331		0
Consumer		210		249		0
Total	$	26,865	$	34,533	$	0

Period end loans with allocated allowance for loan losses
Commercial and Industrial	$	720	$	998	$	253
Commercial Real Estate		10,423		15,225		3,622
Residential Mortgages 1st Liens		0		0		0
Residential Mortgages Junior Liens		0		0		0
Consumer		0		0		0
Total	$	11,143	$	16,223	$	3,875

Total
Commercial and Industrial	$	5,078	$	6,844	$	253
Commercial Real Estate		22,363		32,212		3,622
Residential Mortgages 1st Liens		10,079		11,120		0
Residential Mortgages Junior Liens		278		331		0
Consumer		210		249		0
Total	$	38,008	$	50,756	$	3,875

	Three months ended June 30, 2012				Three months ended June 30, 2011
(In Thousands of Dollars)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Period end loans with no allocated allowance for loan losses
Commercial and Industrial	$	3,582	$	62		972	$	0
Commercial Real Estate		9,854		217		11,716		11
Residential Mortgages 1st Liens		9,762		116		8,868		15
Residential Mortgages Junior Liens		530		4		451		0
Consumer		501		5		190		2
Total	$	24,229	$	404	$	22,196	$	28

Period end loans with allocated allowance for loan losses
Commercial and Industrial	$	348	$	0	$	836	$	0
Commercial Real Estate		10,662		40		8,623		0
Residential Mortgages 1st Liens		0		0		0		0
Residential Mortgages Junior Liens		0		0		0		0
Consumer		0		0		0		0
Total	$	11,010	$	40	$	9,459	$	0

Total
Commercial and Industrial	$	3,930	$	62	$	1,808	$	0
Commercial Real Estate		20,516		257		20,339		11
Residential Mortgages 1st Liens		9,762		116		8,868		15
Residential Mortgages Junior Liens		530		4		451		0
Consumer		501		5		190		2
Total	$	35,239	$	444	$	31,655	$	28

	Six months ended June 30, 2012				Six months ended June 30, 2011
Period end loans with no allocated allowance for loan losses
Commercial and Industrial	$	3,840	$	146		807	$	2
Commercial Real Estate		10,549		535		11,191		208
Residential Mortgages 1st Liens		9,868		239		9,034		21
Residential Mortgages Junior Liens		446		7		486		130
Consumer		404		13		171		2
Total	$	25,107	$	940	$	21,688	$	363

Period end loans with allocated allowance for loan losses
Commercial and Industrial	$	556	$	1	$	788	$	0
Commercial Real Estate		11,790		91		8,990		5
Residential Mortgages 1st Liens		0		0		0		0
Residential Mortgages Junior Liens		0		0		0		0
Consumer		0		0		0		0
Total	$	12,346	$	92	$	9,778	$	5

Total
Commercial and Industrial	$	4,397	$	147	$	1,595	$	2
Commercial Real Estate		22,339		626		20,181		213
Residential Mortgages 1st Liens		9,868		239		9,034		21
Residential Mortgages Junior Liens		446		7		486		130
Consumer		404		13		171		2
Total	$	37,453	$	1.032	$	31,466	$	368

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

(In thousands of dollars)	Troubled Debt Restructurings						Troubled Debt Restructurings that Subsequently Defaulted
	Number of contracts		Pre-modification outstanding recorded investment		Post-modification outstanding recorded investment		Number of contracts		Recorded investment
Quarter to date
June 30, 2012
Commercial and industrial		1	$	21	$	19		-	$	-
Commercial real estate		-		-		-		1		96
Residential 1st liens		6		425		422		-		-
Residential junior liens		-		-		-		-		-
Consumer		-		-		-		-		-
Total		7	$	446	$	441		1	$	96

June 30, 2011
Commercial and industrial		1	$	1,495	$	1,495		-	$	-
Commercial real estate		11		4,161		3,624		1		82
Residential 1st liens		2		268		272		5		556
Residential junior liens		-		-		-		-		-
Consumer		-		-		-		-		-
Total		14	$	5,924	$	5,391		6	$	638

Year to date
June 30, 2012
Commercial and industrial		6	$	808	$	801		5	$	1,143
Commercial real estate		8		1,985		1,983		4		401
Residential 1st liens		10		802		799		-		-
Residential junior liens		2		103		103		-		-
Consumer		2		107		107		-		-
Total		28	$	3,805	$	3,793		9	$	1,544

June 30, 2011
Commercial and industrial		3	$	1,591	$	1,594		1	$	150
Commercial real estate		15		4,514		3,978		2		1,078
Residential 1st liens		5		598		623		7		808
Residential junior liens		-		-		-		-		-
Consumer		-		-		-		-		-
Total		23	$	6,703	$	6,195		10	$	2,036

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

(In Thousands of Dollars)	June 30, 2012		December 31, 2011
Nonaccrual loans at period end
Commercial and Industrial	$	1,452	$	1,771
Commercial Real Estate		11,185		15,336
Residential Mortgages 1st Liens		4,674		5,374
Residential Mortgages Junior Liens		227		278
Consumer		340		210
Total nonaccrual loans	$	17,878	$	22,969