Note 3 - Loans (Tables)

3 Months Ended

Mar. 31, 2013

Financing Receivable Credit Quality Indicators [Table Text Block]

(In thousands of dollars)	March 31, 2013		December 31, 2012
Commercial and Industrial
Pass loans	$	135,174	$	133,678
Watch loans		6,101		5,367
Special mention loans		5,455		5,436
Substandard loans		1,628		1,881
Impaired restructured and accruing loans		2,418		3,234
Impaired nonaccrual loans		281		448
Doubtful nonaccrual loans		0		0
Total Commercial and Industrial		151,057		150,044
Commercial Real Estate
Pass loans	$	376,028	$	373,577
Watch loans		51,723		50,790
Special mention loans		14,918		18,117
Substandard loans		8,724		9,655
Impaired restructured and accruing loans		13,450		12,106
Impaired nonaccrual loans		6,477		8,427
Doubtful nonaccrual loans		175		25
Total Commercial Real Estate		471,495		472,697
First lien residential mortgage loans
Performing loans	$	205,671	$	202,357
Loans > 60 days past due		180		1,046
Impaired restructured and accruing loans		4,609		4,953
Nonaccrual loans		5,466		6,040
Total First lien residential mortgage loans		215,926		214,396
Junior lien residential mortgage loans
Performing loans	$	55,609	$	58,089
Loans > 60 days past due		77		96
Impaired restructured and accruing loans		233		235
Nonaccrual loans		416		327
Total Junior lien residential mortgage loans		56,335		58,747
Consumer Loans
Performing loans	$	65,927	$	67,042
Loans > 60 days past due		106		39
Impaired restructured and accruing loans		188		191
Nonaccrual loans		56		401
Total Consumer Loans		66,277		67,673
Deferred Fees and Costs		228		205
Total Loans	$	961,318	$	963,762

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

Three months ending March 31, 2013	Commercial and Industrial			Commercial Real Estate			First Lien Residential Mortgages			Junior Lien Residential Mortgages			Consumer Loans			Unallocated		Total
Allowance for Credit Losses:
Beginning balance	$	1,896		$	11,565		$	5,656		$	555		$	805		$	863	$	21,340
Provision for loan losses		74			775			397			46			(57	)		43		1,278
Loans charged off		(50	)		(927	)		(770	)		(55	)		(153	)		0		(1,955	)
Recoveries		18			61			31			0			75			0		185
Ending balance	$	1,938		$	11,474		$	5,314		$	546		$	670		$	906	$	20,848

Three months ending March 31, 2012
Allowance for Credit Losses:
Beginning balance	$	2,485		$	11,534		$	5,393		$	505		$	931		$	171		$	21,019
Provision for loan losses		3			1,525			707			221			165			(127	)		2,494
Loans charged off		(129	)		(1,340	)		(583	)		(194	)		(249	)		0			(2,495	)
Recoveries		10			48			46			0			98			0			202
Ending balance	$	2,369		$	11,767		$	5,563		$	532		$	945		$	44		$	21,220

March 31, 2013	Commercial and Industrial		Commercial Real Estate		First Lien Residential Mortgages		Junior Lien Residential Mortgages		Consumer Loans		Unallocated		Total
Ending balance: individually evaluated for impairment	$	581	$	3,139	$	2,437	$	141	$	55	$	0	$	6,353
Ending balance: collectively evaluated for impairment	$	1,357	$	8,335	$	2,877	$	405	$	615	$	906	$	14,495
Financing Receivables:
Ending balance	$	151,057	$	471,495	$	215,926	$	56,335	$	66,277	$	0	$	961,090
Ending balance: individually evaluated for impairment	$	2,699	$	20,102	$	10,075	$	649	$	244	$	0	$	33,769
Ending balance: collectively evaluated for impairment	$	148,358	$	451,393	$	205,851	$	55,686	$	66,033	$	0	$	927,321

March 31, 2012
Ending balance: individually evaluated for impairment	$	253	$	3,399	$	2,167	$	106	$	186	$	0	$	6,111
Ending balance: collectively evaluated for impairment	$	2,116	$	8,368	$	3,396	$	426	$	759	$	44	$	15,109
Financing Receivables:
Ending balance	$	157,725	$	481,592	$	212,994	$	64,303	$	65,698	$	0	$	982,312
Ending balance: individually evaluated for impairment	$	4,013	$	24,979	$	10,014	$	609	$	485	$	0	$	40,100
Ending balance: collectively evaluated for impairment	$	153,712	$	456,613	$	202,980	$	63,694	$	65,213	$	0	$	942,212

Past Due Financing Receivables [Table Text Block]

At March 31, 2013	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	$	296	$	11	$	0	$	307	$	281	$	150,469	$	151,057	$	0
Commercial Real Estate		3,011		199		0		3,210		6,652		461,633		471,495		0
Residential Mortgages First Liens		1,774		124		28		1,926		5,466		208,534		215,926		28
Residential Mortgages Junior Liens		395		34		36		465		416		55,454		56,335		36
Consumer		440		106		0		546		57		65,674		66,277		0
Deferred Fees and Costs		0		0		0		0		0­		­228		228		0
Total	$	5,916	$	474	$	64	$	6,454	$	12,872	$	941,992	$	961,318	$	64

At December 31, 2012
Commercial and Industrial	$	206	$	140	$	0	$	346	$	447	$	149,251	$	150,044	$	0
Commercial Real Estate		604		1,881		0		2,485		8,454		461,758		472,697		0
Residential Mortgages First Liens		772		969		37		1,778		6,038		206,580		214,396		37
Residential Mortgages Junior Liens		473		96		0		569		328		57,850		58,747		0
Consumer		435		39		0		474		401		66,798		67,673		0
Deferred Fees and Costs		0		0		0		0		0		­­­­­­205		205		0
Total	$	2,490	$	3,125	$	37	$	5,652	$	15,668	$	942,442	$	963,762	$	37

Impaired Financing Receivables [Table Text Block]

March 31, 2013	Recorded Investment		Unpaid Principal Balance		Related Allowance
Period end loans with no allocated allowance for loan losses
Commercial and Industrial	$	1,343	$	1,353		0
Commercial Real Estate		8,662		8,659		0
Residential Mortgages First Liens		0		0		0
Residential Mortgages Junior Liens		0		0		0
Consumer		0		0		0
Total	$	10,005	$	10,012	$	0
Period end loans with allocated allowance for loan losses
Commercial and Industrial	$	766	$	1,346	$	581
Commercial Real Estate		8,305		11,443		3,139
Residential Mortgages First Liens		7,638		10,075		2,437
Residential Mortgages Junior Liens		508		649		141
Consumer		190		244		55
Total	$	17,407	$	23,757	$	6,353
Total
Commercial and Industrial	$	2,109	$	2,699	$	581
Commercial Real Estate		16,967		20,102		3,139
Residential Mortgages First Liens		7,638		10,075		2,437
Residential Mortgages Junior Liens		508		649		141
Consumer		190		244		55
Total	$	27,412	$	33,769	$	6,353

December 31, 2012
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 First Liens		0		0		0
Residential Mortgages Junior Liens		0		0		0
Consumer		0		0		0
Total	$	10,106	$	10,103	$	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 First Liens		8,695		10,993		2,298
Residential Mortgages Junior Liens		472		562		90
Consumer		366		592		226
Total	$	20,183	$	26,285	$	6,100
Total
Commercial and Industrial	$	3,164	$	3,683	$	515
Commercial Real Estate		17,592		20,558		2,971
Residential Mortgages First Liens		8,695		10,993		2,298
Residential Mortgages Junior Liens		472		562		90
Consumer		366		592		226
Total	$	30,289	$	36,388	$	6,100

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	Troubled Debt Restructurings						Troubled Debt Restructurings that Subsequently Defaulted
(In thousands of dollars)	Number of contracts		Pre-modification outstanding recorded investment		Post-modification outstanding recorded investment		Number of contracts		Recorded investment
March 31, 2013
Commercial and industrial		3	$	89	$	88		1	$	9
Commercial real estate		5		1,661		1,671		0		0
Residential First Liens		2		263		263		3		396
Residential junior liens		0		0		0		0		0
Consumer		0		0		0		0		0
Total		10	$	2,013	$	2,022		4	$	405
March 31, 2012
Commercial and industrial		5	$	787	$	782		0	$	0
Commercial real estate		8		1,985		1,983		4		1,047
Residential First Liens		4		377		377		6		561
Residential junior liens		2		103		103		0		0
Consumer		2		107		107		0		0
Total		21	$	3,359	$	3,352		10	$	1,608

Average Recorded Investment [Member] | Three Months Ended [Member]

Impaired Financing Receivables [Table Text Block]

	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
(In thousands of dollars)	Three months ended March 31, 2013				Three months ended March 31, 2012
Period end loans with no allocated allowance for loan losses
Commercial and Industrial	$	1,117	$	54	$	3,931	$	72
Commercial Real Estate		8,939		250		11,667		318
Residential Mortgages First Liens		0		0		0		0
Residential Mortgages Junior Liens		0		0		0		0
Consumer		0		0		0		0
Total	$	10,056	$	304	$	15,598	$	390
Period end loans with allocated allowance for loan losses
Commercial and Industrial	$	1,520	$	16	$	615	$	13
Commercial Real Estate		8,341		122		12,118		51
Residential Mortgages First Liens		10,534		152		10,047		123
Residential Mortgages Junior Liens		606		4		444		3
Consumer		419		7		348		8
Total	$	21,420	$	301	$	23,572	$	198
Total
Commercial and Industrial	$	2,637	$	70	$	4,546	$	85
Commercial Real Estate		17,280		372		23,785		369
Residential Mortgages First Liens		10,534		152		10,047		123
Residential Mortgages Junior Liens		606		4		444		3
Consumer		419		7		348		8
Total	$	31,476	$	605	$	39,170	$	588