Note 3 - Loans (Tables)

6 Months Ended

Jun. 30, 2013

Note 3 - Loans (Tables) [Line Items]

Financing Receivable Credit Quality Indicators [Table Text Block]

Loans at period end were as follows:
(In thousands of dollars)	June 30, 2013		December 31, 2012
Commercial and Industrial
Pass loans	$	137,255	$	133,678
Watch loans		7,497		5,367
Special mention loans		6,259		5,436
Substandard loans		1,720		1,881
Impaired restructured and accruing loans		2,674		3,234
Impaired nonaccrual loans		123		448
Doubtful nonaccrual loans		0		0
Total Commercial and Industrial		155,528		150,044
Commercial Real Estate
Pass loans	$	386,630	$	373,577
Watch loans		47,909		50,790
Special mention loans		17,160		18,117
Substandard loans		6,658		9,655
Impaired restructured and accruing loans		13,794		12,106
Impaired nonaccrual loans		5,699		8,427
Doubtful nonaccrual loans		0		25
Total Commercial Real Estate		477,850		472,697
First lien residential mortgage loans
Performing loans	$	202,509	$	202,357
Loans > 60 days past due		1,661		1,046
Impaired restructured and accruing loans		4,989		4,953
Nonaccrual loans		5,676		6,040
Total First lien residential mortgage loans		214,835		214,396
Junior lien residential mortgage loans
Performing loans	$	55,913	$	58,089
Loans > 60 days past due		19		96
Impaired restructured and accruing loans		250		235
Nonaccrual loans		301		327
Total Junior lien residential mortgage loans		56,483		58,747
Consumer Loans
Performing loans	$	69,668	$	67,042
Loans > 60 days past due		14		39
Impaired restructured and accruing loans		107		191
Nonaccrual loans		50		401
Total Consumer Loans		69,839		67,673
Deferred Fees and Costs		269		205
Total Loans	$	974,804	$	963,762

Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]

(In thousands of dollars)
Three months ending June 30, 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	$	1,938		$	11,474		$	5,314		$	546		$	670		$	906		$	20,848
Provision for loan losses		4			(526	)		1,156			151			(73	)		(160	)		552
Loans charged off		(156	)		(737	)		(212	)		(128	)		(135	)		0			(1,368	)
Recoveries		35			26			29			0			117			0			207
Ending balance	$	1,821		$	10,237		$	6,287		$	569		$	579		$	746		$	20,239
Three months ending June 30, 2012
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

Six months ending June 30, 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		78			248			1,554			197			(130	)		(117	)		1,830
Loans charged off		(206	)		(1,663	)		(983	)		(183	)		(288	)		0			(3,323	)
Recoveries		53			87			60			0			192			0			392
Ending balance	$	1,821		$	10,237		$	6,287		$	569		$	579		$	746		$	20,239
Six months ending June 30, 2012
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

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

(In thousands of dollars) June 30, 2013	Commercial and Industrial		Commercial Real Estate		First Lien Residential Mortgages		Junior Lien Residential Mortgages		Consumer Loans		Unallocated		Total
Allowance for Credit Losses:
Ending balance: individually evaluated for impairment	$	509	$	2,839	$	2,883	$	161	$	40	$	0	$	6,432
Ending balance: collectively evaluated for impairment	$	1,312	$	7,398	$	3,404	$	408	$	539	$	746	$	13,807
Financing Receivables:
Ending balance	$	155,528	$	477,850	$	214,835	$	56,483	$	69,839	$	0	$	974,535
Ending balance: individually evaluated for impairment	$	2,797	$	19,493	$	10,665	$	551	$	157	$	0	$	33,663
Ending balance: collectively evaluated for impairment	$	152,731	$	458,357	$	204,170	$	55,932	$	69,682	$	0	$	940,872
June 30, 2012
Allowance for Credit Losses:
Ending balance: individually evaluated for impairment	$	169	$	2,963	$	2,063	$	86	$	193	$	0	$	5,474
Ending balance: collectively evaluated for impairment	$	2,235	$	8,252	$	3,580	$	437	$	658	$	886	$	16,048
Financing Receivables:
Ending balance	$	162,397	$	481,525	$	213,732	$	62,347	$	68,029	$	0	$	988,030
Ending balance: individually evaluated for impairment	$	4,276	$	22,396	$	9,510	$	451	$	516	$	0	$	37,149
Ending balance: collectively evaluated for impairment	$	158,121	$	459,129	$	204,222	$	61,896	$	67,513	$	0	$	950,881

Past Due Financing Receivables [Table Text Block]

(In thousands of dollars) At June 30, 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	$	568	$	47	$	0	$	615	$	123	$	154,790	$	155,528	$	0
Commercial Real Estate		1,826		305		0		2,131		5,699		470,020		477,850		0
Residential Mortgages First Liens		256		1,643		18		1,917		5,676		207,242		214,835		18
Residential Mortgages Junior Liens		417		19		0		436		301		55,746		56,483		0
Consumer		344		14		0		358		50		69,431		69,839		0
Deferred Fees and Costs		0		0		0		0		0		269		269		0
Total	$	3,411	$	2,028	$	18	$	5,457	$	11,849	$	957,498	$	974,804	$	18
At December 31, 2012
Commercial and Industrial	$	206	$	140	$	0	$	346	$	448	$	149,250	$	150,044	$	0
Commercial Real Estate		604		1,881		0		2,485		8,452		461,760		472,697		0
Residential Mortgages First Liens		772		969		37		1,778		6,040		206,578		214,396		37
Residential Mortgages Junior Liens		473		96		0		569		327		57,851		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]

(In thousands of dollars) June 30, 2013	Recorded Investment		Unpaid Principal Balance		Related Allowance
Period end loans with no allocated allowance for loan losses
Commercial and Industrial	$	1,626	$	1,635		0
Commercial Real Estate		8,083		8,071		0
Residential Mortgages First Liens		0		0		0
Residential Mortgages Junior Liens		0		0		0
Consumer		0		0		0
Total	$	9,709	$	9,706	$	0
Period end loans with allocated allowance for loan losses
Commercial and Industrial	$	655	$	1,162	$	509
Commercial Real Estate		8,620		11,422		2,839
Residential Mortgages First Liens		7,782		10,665		2,883
Residential Mortgages Junior Liens		390		551		161
Consumer		118		157		40
Total	$	17,565	$	23,957	$	6,432
Total
Commercial and Industrial	$	2,281	$	2,797	$	509
Commercial Real Estate		16,703		19,493		2,839
Residential Mortgages First Liens		7,782		10,665		2,883
Residential Mortgages Junior Liens		390		551		161
Consumer		118		157		40
Total	$	27,274	$	33,663	$	6,432
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]

(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, 2013
Commercial and industrial		0	$	0	$	0		1	$	91
Commercial real estate		0		0		0		0		0
Residential First Liens		3		574		573		0		0
Residential junior liens		1		19		19		0		0
Consumer		0		0		0		0		0
Total		4	$	593	$	592		1	$	91
June 30, 2012
Commercial and industrial		1	$	21	$	19		0	$	0
Commercial real estate		-		0		0		1		96
Residential First Liens		6		425		422		0		0
Residential junior liens		-		0		0		0		0
Consumer		-		0		0		0		0
Total		7	$	446	$	441		1	$	96

Year to date:
June 30, 2013
Commercial and industrial	3	$	89	$	88	2	$	100
Commercial real estate	5		1,661		1,671	0		0
Residential First Liens	5		837		836	3		396
Residential junior liens	1		19		19	0		0
Consumer	0		0		0	0		0
Total	14	$	2,606	$	2,614	4	$	496
June 30, 2012
Commercial and industrial	6	$	808	$	801	5	$	1,143
Commercial real estate	8		1,985		1,983	4		401
Residential First Liens	10		802		799	0		0
Residential junior liens	2		103		103	0		0
Consumer	2		107		107	0		0
Total	28	$	3,805	$	3,793	9	$	1,544

Impaired Loans [Member]

Note 3 - Loans (Tables) [Line Items]

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 June 30, 2013				Three months ended June 30, 2012
Period end loans with no allocated allowance for loan losses
Commercial and Industrial	$	1,485	$	79	$	972	$	0
Commercial Real Estate		8,406		267		11,716		11
Residential Mortgages First Liens		0		0		0		0
Residential Mortgages Junior Liens		0		0		0		0
Consumer		0		0		0		0
Total	$	9,891	$	346	$	12,618	$	11
Period end loans with allocated allowance for loan losses
Commercial and Industrial	$	711	$	21	$	836	$	0
Commercial Real Estate		8,462		144		8,623		0
Residential Mortgages First Liens		8,776		98		8,868		15
Residential Mortgages Junior Liens		520		7		451		0
Consumer		295		5		190		2
Total	$	18,764	$	275	$	18,968	$	17
Total
Commercial and Industrial	$	2,196	$	100	$	1,808	$	0
Commercial Real Estate		16,868		411		20,339		11
Residential Mortgages First Liens		8,776		98		8,868		15
Residential Mortgages Junior Liens		520		7		451		0
Consumer		295		5		190		2
Total	$	28,655	$	621	$	31,656	$	28

	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
(In thousands of dollars)	Six months ended June 30, 2013				Six months ended June 30, 2012
Period end loans with no allocated allowance for loan losses
Commercial and Industrial	$	1,287	$	133	$	1,287	$	2
Commercial Real Estate		8,653		517		8,373		208
Residential Mortgages First Liens		0		0		0		0
Residential Mortgages Junior Liens		0		0		0		0
Consumer		0		0		0		0
Total	$	9,940	$	650	$	9,940	$	210
Period end loans with allocated allowance for loan losses
Commercial and Industrial	$	1,231	$	37	$	1,231	$	0
Commercial Real Estate		8,434		266		8,343		5
Residential Mortgages First Liens		9,617		250		9,617		21
Residential Mortgages Junior Liens		534		11		534		130
Consumer		318		12		318		2
Total	$	20,134	$	576	$	20,134	$	158
Total
Commercial and Industrial	$	2,518	$	170	$	2,518	$	2
Commercial Real Estate		17,087		783		17,087		213
Residential Mortgages First Liens		9,617		250		9,617		21
Residential Mortgages Junior Liens		534		11		534		130
Consumer		318		12		318		2
Total	$	30,074	$	1,226	$	30,074	$	368