Note 6 - Loans (Tables)

12 Months Ended

Dec. 31, 2012

Financing Receivable Credit Quality Indicators [Table Text Block]

Loans at period end were as follows:
(In Thousands of Dollars)	December 31, 2012		December 31, 2011
Commercial and Industrial
Pass loans	$	133,844	$	122,812
Watch loans		5,375		19,542
Special mention loans		5,433		7,878
Substandard loans		1,879		2,928
Impaired restructured and accruing loans		3,230		3,562
Impaired nonaccrual loans		447		1,771
Total Commercial and Industrial		150,208		158,493
Commercial Real Estate
Pass loans	$	373,527	$	373,320
Watch loans		50,741		56,571
Special mention loans		18,119		21,155
Substandard loans		9,664		5,686
Impaired restructured and accruing loans		12,113		10,652
Impaired nonaccrual loans		8,429		15,336
Doubtful nonaccrual loans		25		0
Total Commercial Real Estate		472,618		482,720
Residential Mortgages 1st Liens
Performing loans	$	202,342	$	199,117
Loans > 60 days past due		1,046		2,203
Impaired restructured and accruing loans		4,953		4,425
Nonaccrual loans		6,038		5,374
Total First lien residential mortgage loans		214,379		211,119
Residential Mortgages Junior Liens
Performing loans	$	58,089	$	66,169
Loans > 60 days past due		96		328
Impaired restructured and accruing loans		235		278
Nonaccrual loans		328		278
Total Junior lien residential mortgage loans		58,748		67,053
Consumer
Performing loans	$	67,178	$	64,075
Loans > 60 days past due		39		239
Impaired restructured and accruing loans		191		210
Nonaccrual loans		401		0
Total Consumer		67,809		64,524
Total Loans	$	963,762	$	983,909

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

(In Thousands of Dollars)
Twelve months ending December 31, 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		(104	)		4,033			2,225			535			309			692		7,690
Loans charged off		(560	)		(4,440	)		(2,220	)		(485	)		(727	)		0		(8,432	)
Recoveries		75			438			258			0			292			0		1,063
Ending balance	$	1,896		$	11,565		$	5,656		$	555		$	805		$	863	$	21,340
Ending balance: individually evaluated for impairment	$	515		$	2,971		$	0		$	0		$	0		$	0	$	3,486
Ending balance: collectively evaluated for impairment	$	1,381		$	8,594		$	5,656		$	555		$	805		$	863	$	17,854
Financing Receivables:
Ending balance	$	150,208		$	472,618		$	214,379		$	58,748		$	67,809		$	0	$	963,762
Ending balance: individually evaluated for impairment	$	3,677		$	20,567		$	0		$	0		$	0		$	0	$	24,244
Ending balance: collectively evaluated for impairment	$	146,531		$	452,051		$	214,379		$	58,748		$	67,809		$	0	$	939,518
Twelve months ending December 31, 2011
Allowance for Credit Losses:
Beginning balance	$	3,024		$	12,375		$	3,960		$	774		$	1,162		$	136	$	21,431
Provision for loan losses		1,836			6,611			4,468			6			381			35		13,337
Loans charged off		(2,546	)		(7,973	)		(3,215	)		(275	)		(913	)		0		(14,922	)
Recoveries		171			521			180			0			301			0		1,173
Ending balance	$	2,485		$	11,534		$	5,393		$	505		$	931		$	171	$	21,019
Ending balance: individually evaluated for impairment	$	253		$	3,622		$	0		$	0		$	0		$	0	$	3,875
Ending balance: collectively evaluated for impairment	$	2,232		$	7,912		$	5,393		$	505		$	931		$	171	$	17,144
Financing Receivables:
Ending balance	$	158,493		$	482,720		$	211,397		$	66,775		$	64,524		$	0	$	983,909
Ending balance: individually evaluated for impairment	$	5,331		$	25,988		$	0		$	0		$	0		$	0	$	31,319
Ending balance: collectively evaluated for impairment	$	153,162		$	456,732		$	211,397		$	66,775		$	64,524		$	0	$	952,590

Twelve months ending December 31, 2010	Commercial and Industrial			Commercial Real Estate			First Lien Residential Mortgages			Junior Lien Residential Mortgages			Consumer Loans			Unallocated		Total
Allowance for Credit Losses:
Beginning balance	$	3,640		$	10,473		$	2,502		$	967		$	1,525		$	7	$	19,114
Provision for loan losses		812			8,222			3,844			(7	)		344			129		13,344
Loans charged off		(1,707	)		(6,366	)		(2,602	)		(186	)		(1,102	)		0		(11,963	)
Recoveries		279			46			216			0			395			0		936
Ending balance	$	3,024		$	12,375		$	3,960		$	774		$	1,162		$	136	$	21,431
Ending balance: individually evaluated for impairment	$	812		$	4,688		$	0		$	0		$	0		$	0	$	5,500
Ending balance: collectively evaluated for impairment	$	2,212		$	7,687		$	3,960		$	774		$	1,162		$	136	$	15,931
Financing Receivables:
Ending balance	$	164,332		$	509,285		$	203,765		$	76,293		$	77,945		$	0	$	1,031,620
Ending balance: individually evaluated for impairment	$	1,972		$	24,390		$	0		$	0		$	0		$	0	$	26,362
Ending balance: collectively evaluated for impairment	$	162,360		$	484,895		$	203,765		$	76,293		$	77,945		$	0	$	1,005,258

Past Due Financing Receivables [Table Text Block]

(In thousands of dollars)
At December 31, 2012	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Nonaccrual loans		Current		Total Financing Receivables		Recorded Investment > 90 days and accruing
Commercial and Industrial	$	206	$	140	$	0	$	346	$	447	$	149,415	$	150,208	$	0
Commercial Real Estate		604		1,881		0		2,485		8,454		461,679		472,618		0
Residential Mortgages 1st Liens		772		969		37		1,778		6,038		206,563		214,379		37
Residential Mortgages Junior Liens		473		96		0		569		328		57,851		58,748		0
Consumer		435		39		0		474		401		66,934		67,809		0
Total	$	2,490	$	3,125	$	37	$	5,652	$	15,668	$	942,442	$	963,762	$	37
At December 31, 2011
Commercial and Industrial	$	1,039	$	94	$	0	$	1,133	$	1,771	$	155,589	$	158,493	$	0
Commercial Real Estate		4,313		500		0		4,813		15,336		462,571		482,720		0
Residential Mortgages 1st Liens		973		1,875		328		3,176		5,374		202,569		211,119		328
Residential Mortgages Junior Liens		561		255		73		889		278		65,886		67,053		73
Consumer		848		221		18		1,087		210		63,227		64,524		18
Total	$	7,734	$	2,945	$	419	$	11,098	$	22,969	$	949,842	$	983,909	$	419

Impaired Financing Receivables [Table Text Block]

(In Thousands of Dollars)
December 31, 2012	Recorded Investment		Unpaid Principal Balance		Related Allowance
Period end loans with no allocated allowance for loan losses
Commercial and Industrial	$	891	$	891	$	0
Commercial Real Estate		9,215		9,212		0
Residential Mortgages 1st Liens		10,993		10,993		0
Residential Mortgages Junior Liens		562		562		0
Consumer		592		592		0
Total	$	22,253	$	22,250	$	0
Period end loans with allocated allowance for loan losses
Commercial and Industrial	$	2,273	$	2,792	$	515
Commercial Real Estate		8,377		11,346		2,971
Residential Mortgages 1st Liens		0		0		0
Residential Mortgages Junior Liens		0		0		0
Consumer		0		0		0
Total	$	10,650	$	14,138	$	3,486
Total
Commercial and Industrial	$	3,164	$	3,683	$	515
Commercial Real Estate		17,592		20,558		2,971
Residential Mortgages 1st Liens		10,993		10,993		0
Residential Mortgages Junior Liens		562		562		0
Consumer		592		592		0
Total	$	32,903	$	36,388	$	3,486
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

Additional Information Related to Impaired Loans [Table Text Block]

(In Thousands of Dollars)	Twelve months ended December 31, 2012				Twelve months ended December 31, 2011				Twelve months ended December 31, 2010
	Average Recorded Investment		Interest Income Recognized		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	$	2,862	$	160	$	2,073	$	116	$	1,121	$	0
Commercial Real Estate		10,213		846		12,444		452		12,432		158
Residential Mortgages 1st Liens		9,998		416		9,223		219		7,721		253
Residential Mortgages Junior Liens		502		13		459		2		295		1
Consumer		450		17		192		0		200		5
Total	$	24,025	$	1,452	$	24,391	$	789	$	21,769	$	417
Period end loans with allocated allowance for loan losses
Commercial and Industrial	$	880	$	24	$	722	$	0	$	438	$	0
Commercial Real Estate		10,561		52		9,003		28		8,724		125
Residential Mortgages 1st Liens		0		0		0		0		0		0
Residential Mortgages Junior Liens		0		0		0		0		0		0
Consumer		0		0		0		0		0		0
Total	$	11,441	$	76	$	9,725	$	28	$	9,162	$	125
Total
Commercial and Industrial	$	3,742	$	184	$	2,795	$	116	$	1,559	$	0
Commercial Real Estate		20,774		898		21,447		480		21,156		283
Residential Mortgages 1st Liens		9,998		416		9,223		219		7,721		253
Residential Mortgages Junior Liens		502		13		459		2		295		1
Consumer		450		17		191		0		200		5
Total	$	35,466	$	1,528	$	34,116	$	817	$	30,931	$	542

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
December 31, 2012
Commercial and Industrial		11	$	1,199	$	1,188		5	$	1,143
Commercial Real Estate		17		4,456		4,221		4		401
Residential Mortgages 1st Liens		19		1,948		1,943		2		190
Residential Mortgages Junior Liens		4		126		126		1		9
Consumer		3		128		127		0		0
Total		54	$	7,857	$	7,605		12	$	1,743
December 31, 2011
Commercial and Industrial		11	$	3,615	$	3,526		2	$	468
Commercial Real Estate		13		4,017		3,786		10		1,233
Residential Mortgages 1st Liens		13		1,427		1,291		11		828
Residential Mortgages Junior Liens		1		83		83		0		0
Consumer		0		0		0		0		0
Total		85	$	9,142	$	8,686		23	$	2,529
December 31, 2010
Commercial and Industrial		1	$	36	$	36		0	$	0
Commercial Real Estate		7		6,604		5,757		3		860
Residential Mortgages 1st Liens		27		3,025		2,633		8		614
Residential Mortgages Junior Liens		1		43		0		1		43
Consumer		0		0		0		0		0
Total		36	$	9,708	$	8,426		12	$	1,517