Note 3 - Loans (Tables)

9 Months Ended

Sep. 30, 2013

Note 3 - Loans (Tables) [Line Items]

Financing Receivable Credit Quality Indicators [Table Text Block]

(In thousands of dollars)	September 30, 2013		December 31, 2012
Commercial and Industrial
Pass loans	$	142,668	$	133,678
Watch loans		6,629		5,367
Special mention loans		5,957		5,436
Substandard loans		2,178		1,881
Impaired restructured and accruing loans		1,548		3,234
Impaired nonaccrual loans		111		448
Doubtful nonaccrual loans		0		0
Total Commercial and Industrial		159,091		150,044
Commercial Real Estate
Pass loans	$	388,944	$	373,577
Watch loans		48,542		50,790
Special mention loans		16,747		18,117
Substandard loans		5,879		9,655
Impaired restructured and accruing loans		13,634		12,106
Impaired nonaccrual loans		5,914		8,427
Doubtful nonaccrual loans		0		25
Total Commercial Real Estate		479,660		472,697
First lien residential mortgage loans
Performing loans	$	206,987	$	202,357
Loans > 60 days past due		1,052		1,046
Impaired restructured and accruing loans		4,637		4,953
Nonaccrual loans		4,868		6,040
Total First lien residential mortgage loans		217,544		214,396
Junior lien residential mortgage loans
Performing loans	$	54,309	$	58,089
Loans > 60 days past due		19		96
Impaired restructured and accruing loans		248		235
Nonaccrual loans		275		327
Total Junior lien residential mortgage loans		54,851		58,747
Consumer Loans
Performing loans	$	70,738	$	67,042
Loans > 60 days past due		58		39
Impaired restructured and accruing loans		105		191
Nonaccrual loans		36		401
Total Consumer Loans		70,937		67,673
Deferred Fees and Costs		203		205
Total Loans	$	982,286	$	963,762

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

(In thousands of dollars)
Three months ending September 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	$	1,821		$	10,237		$	6,287		$	569		$	579		$	746		$	20,239
Provision for loan losses		14			36			71			10			87			(218	)		0
Loans charged off		(68	)		(107	)		(587	)		(41	)		(79	)		0			(882	)
Recoveries		106			109			10			0			26			0			251
Ending balance	$	1,873		$	10,275		$	5,781		$	538		$	613		$	528		$	19,608
Three months ending September 30, 2012
Allowance for Credit Losses:
Beginning balance	$	2,404		$	11,215		$	5,643		$	523		$	851		$	886		$	21,522
Provision for loan losses		(238	)		817			845			229			94			(383	)		1,364
Loans charged off		(110	)		(956	)		(571	)		(174	)		(163	)		0			(1,974	)
Recoveries		34			277			35			0			74			0			420
Ending balance	$	2,090		$	11,353		$	5,952		$	578		$	856		$	503		$	21,332

Nine months ending September 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		92			283			1,626			207			(43	)		(335	)		1,830
Loans charged off		(274	)		(1,770	)		(1,570	)		(224	)		(367	)		0			(4,205	)
Recoveries		159			197			69			0			218			0			643
Ending balance	$	1,873		$	10,275		$	5,781		$	538		$	613		$	528		$	19,608
Nine months ending September 30, 2012
Allowance for Credit Losses:
Beginning balance	$	2,485		$	11,534		$	5,393		$	505		$	931		$	171		$	21,019
Provision for loan losses		81			3,059			2,138			533			209			332			6,352
Loans charged off		(535	)		(3,605	)		(1,744	)		(460	)		(547	)		0			(6,891	)
Recoveries		59			365			165			0			263			0			852
Ending balance	$	2,090		$	11,353		$	5,952		$	578		$	856		$	503		$	21,332

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

(In thousands of dollars)					First Lien		Junior Lien
September 30, 2013	Commercial and Industrial		Commercial Real Estate		Residential Mortgages		Residential Mortgages		Consumer Loans		Unallocated		Total
Allowance for Credit Losses:
Ending balance: individually evaluated for impairment	$	524	$	4,137	$	2,493	$	137	$	27	$	0	$	7,318
Ending balance: collectively evaluated for impairment	$	1,349	$	6,138	$	3,288	$	401	$	586	$	528	$	12,290
Financing Receivables:
Ending balance	$	159,091	$	479,660	$	217,544	$	54,851	$	70,937	$	0	$	982,083
Ending balance: individually evaluated for impairment	$	1,659	$	19,548	$	9,505	$	523	$	141	$	0	$	31,376
Ending balance: collectively evaluated for impairment	$	157,432	$	460,112	$	208,039	$	54,328	$	70,796	$	0	$	950,707
September 30, 2012
Allowance for Credit Losses:
Ending balance: individually evaluated for impairment	$	321	$	3,479	$	0	$	0	$	0	$	0	$	3,800
Ending balance: collectively evaluated for impairment	$	1,769	$	7,874	$	5,952	$	578	$	856	$	503	$	17,532
Financing Receivables:
Ending balance	$	152,259	$	479,577	$	215,893	$	60,661	$	69,020	$	0	$	977,410
Ending balance: individually evaluated for impairment	$	2,675	$	22,625	$	0	$	0	$	0	$	0	$	25,300
Ending balance: collectively evaluated for impairment	$	149,584	$	456,952	$	215,893	$	60,661	$	69,020	$	0	$	952,110

Past Due Financing Receivables [Table Text Block]

(In thousands of dollars)															Recorded
At September 30, 2013	30-59 Days Past Due		60-89 Days Past Due		90 Day s or More Past Due		Total Past Due		Nonaccrual loans		Current		Total Financing Receivables		Investment > 90 days and accruing
Commercial and Industrial	$	685	$	46	$	0	$	731	$	111	$	158,249	$	159,091	$	0
Commercial Real Estate		625		324		14		963		5,914		472,783		479,660		14
Residential Mortgages First Liens		789		1,039		12		1,840		4,868		210,836		217,544		12
Residential Mortgages Junior Liens		379		19		0		398		275		54,178		54,851		0
Consumer		305		58		0		363		36		70,538		70,937		0
Deferred Fees and Costs		0		0		0		0		0		203		203		0
Total	$	2,783	$	1,486	$	26	$	4,295	$	11,204	$	966,787	$	982,286	$	26
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)			Unpaid
September 30, 2013	Recorded Investment		Principal Balance		Related Allowance
Period end loans with no allocated allowance for loan losses
Commercial and Industrial	$	341	$	337		0
Commercial Real Estate		6,692		6,676		0
Residential Mortgages First Liens		0		0		0
Residential Mortgages Junior Liens		0		0		0
Consumer		0		0		0
Total	$	7,033	$	7,013	$	0
Period end loans with allocated allowance for loan losses
Commercial and Industrial	$	805	$	1,322	$	524
Commercial Real Estate		8,767		12,871		4,137
Residential Mortgages First Liens		7,058		9,504		2,493
Residential Mortgages Junior Liens		386		523		137
Consumer		115		141		27
Total	$	17,131	$	24,361	$	7,318
Total
Commercial and Industrial	$	1,146	$	1,659	$	524
Commercial Real Estate		15,459		19,545		4,137
Residential Mortgages First Liens		7,058		9,505		2,493
Residential Mortgages Junior Liens		386		523		137
Consumer		115		141		27
Total	$	24,164	$	31,376	$	7,318
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:
September 30, 2013
Commercial and industrial		2	$	219	$	217		0	$	0
Commercial real estate		0		0		0		0		0
Residential First Liens		1		203		134		2		172
Residential junior liens		0		0		0		0		0
Consumer		0		0		0		0		0
Total		3	$	422	$	351		2	$	172
September 30, 2012
Commercial and industrial		3	$	190	$	187		0	$	0
Commercial real estate		4		1,613		1,590		0		0
Residential First Liens		6		871		870		1		64
Residential junior liens		1		15		15		1		9
Consumer		0		0		0		0		0
Total		14	$	2,689	$	2,662		2	$	73
Year to date:
September 30, 2013
Commercial and industrial		5	$	308	$	305		2	$	100
Commercial real estate		5		1,661		1,671		0		0
Residential First Liens		6		1,040		970		5		568
Residential junior liens		1		19		19		0		0
Consumer		0		0		0		0		0
Total		17	$	3,028	$	2,965		7	$	668
September 30, 2012
Commercial and industrial		9	$	998	$	988		5	$	1,143
Commercial real estate		12		3,598		3,573		4		401
Residential First Liens		16		1,673		1,669		1		64
Residential junior liens		3		118		118		1		9
Consumer		2		107		107		0		0
Total		42	$	6,494	$	6,455		11	$	1,617

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 September 30, 2013				Three months ended September 30, 2012
Period end loans with no allocated allowance for loan losses
Commercial and Industrial	$	984	$	1	$	2,779	$	18
Commercial Real Estate		7,387		40		9,260		113
Residential Mortgages First Liens		0		0		9,451		56
Residential Mortgages Junior Liens		0		0		530		2
Consumer		0		0		481		2
Total	$	8,371	$	41	$	22,501	$	191
Period end loans with allocated allowance for loan losses
Commercial and Industrial	$	730	$	22	$	449	$	1
Commercial Real Estate		8,694		163		10,097		9
Residential Mortgages First Liens		7,420		68		0		0
Residential Mortgages Junior Liens		388		3		0		0
Consumer		117		1		0		0
Total	$	17,349	$	257	$	10,546	$	10
Total
Commercial and Industrial	$	1,714	$	23	$	3,228	$	19
Commercial Real Estate		16,081		203		19,357		122
Residential Mortgages First Liens		7,420		68		9,451		56
Residential Mortgages Junior Liens		388		3		530		2
Consumer		117		1		481		2
Total	$	25,720	$	298	$	33,047	$	201

	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
(In thousands of dollars)	Nine months ended September 30, 2013				Nine months ended September 30, 2012
Period end loans with no allocated allowance for loan losses
Commercial and Industrial	$	1,050	$	134	$	3,355	$	164
Commercial Real Estate		8,163		557		10,463		648
Residential Mortgages First Liens		0		0		9,749		295
Residential Mortgages Junior Liens		0		0		487		9
Consumer		0		0		414		15
Total	$	9,213	$	691	$	24,468	$	1,131
Period end loans with allocated allowance for loan losses
Commercial and Industrial	$	1,125	$	59	$	532	$	2
Commercial Real Estate		8,517		429		11,107		100
Residential Mortgages First Liens		8,977		318		0		0
Residential Mortgages Junior Liens		497		14		0		0
Consumer		268		13		0		0
Total	$	19,384	$	833	$	11,639	$	102
Total
Commercial and Industrial	$	2,175	$	193	$	3,887	$	166
Commercial Real Estate		16,680		986		21,570		748
Residential Mortgages First Liens		8,977		318		9,749		295
Residential Mortgages Junior Liens		497		14		487		9
Consumer		268		13		414		15
Total	$	28,597	$	1,524	$	36,107	$	1,233