Note 7 - Premises and Equipment

12 Months Ended

Dec. 31, 2013

Property, Plant and Equipment [Abstract]

Property, Plant and Equipment Disclosure [Text Block]

NOTE 7 – PREMISES AND EQUIPMENT

Year end premises and equipment were as follows:
(In Thousands of Dollars)	2013			2012
Land	$	7,461		$	6,186
Buildings		31,895			32,891
Furniture, fixtures and equipment		17,312			17,431
Total		56,668			56,508
Less:
Accumulated depreciation		(32,499	)		(32,152	)
Total	$	24,169		$	24,356

Depreciation expense was $1,847,000, $1,915,000, and $2,062,000 for 2013, 2012, and 2011. Facility rent expense was $350,000 in 2013 compared with $359,000 for 2012, and $377,000 for 2011. Equipment rent expense was $233,000 in 2013 compared with $249,000 for 2012, and $250,000 for 2011. Rental commitments for the next five years under non-cancelable operating leases were as follows (before considering renewal options that generally are present):

(In Thousands of Dollars)
	Facilities		Equipment		Total
2014	$	322	$	9	$	331
2015		262		9		271
2016		246		6		252
2017		251		0		251
2018		255		0		255
Total	$	1,336	$	24	$	1,360