Note 6 - Loans (Tables)

12 Months Ended

Dec. 31, 2013

Debt Disclosure [Abstract]

Financing Receivable Credit Quality Indicators [Table Text Block]

Loans at period end were as follows:
(In Thousands of Dollars)	December 31, 2013		December 31, 2012
Commercial and Industrial
Pass loans	$	152,031	$	133,678
Watch loans		6,578		5,367
Special mention loans		4,549		5,436
Substandard loans		2,448		1,881
Impaired restructured and accruing loans		1,272		3,234
Impaired nonaccrual loans		116		448
Total Commercial and Industrial		166,994		150,044
Commercial Real Estate
Pass loans	$	391,485	$	373,577
Watch loans		46,061		50,790
Special mention loans		16,623		18,117
Substandard loans		5,764		9,655
Impaired restructured and accruing loans		14,016		12,106
Impaired nonaccrual loans		5,447		8,427
Doubtful nonaccrual loans		0		25
Total Commercial Real Estate		479,396		472,697
Residential Mortgages 1st Liens
Performing loans	$	207,019	$	202,357
Loans > 60 days past due		686		1,046
Impaired restructured and accruing loans		5,030		4,953
Nonaccrual loans		4,217		6,040
Total First Lien Residential Mortgage loans		216,952		214,396
Residential Mortgages Junior Liens
Performing loans	$	53,874	$	58,089
Loans > 60 days past due		81		96
Impaired restructured and accruing loans		246		235
Nonaccrual loans		287		327
Total Junior Lien Residential Mortgage loans		54,488		58,747
Consumer
Performing loans	$	68,987	$	67,042
Loans > 60 days past due		36		39
Impaired restructured and accruing loans		132		191
Nonaccrual loans		9		401
Total Consumer		69,164		67,673
Loan Fees		152		205
Total Loans	$	987,146	$	963,762

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

(In Thousands of Dollars)
Twelve months ending  December 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		23			105			1,705			317			(25	)		(295	)		1,830
Loans charged off		(223	)		(2,701	)		(2,366	)		(264	)		(490	)		0			(6,044	)
Recoveries		116			339			166			0			250			0			871
Ending balance	$	1,812		$	9,308		$	5,161		$	608		$	540		$	568		$	17,997
Ending balance: individually evaluated for impairment	$	549		$	3,678		$	2,082		$	168		$	19		$	0		$	6,496
Ending balance: collectively evaluated for impairment	$	1,263		$	5,630		$	3,079		$	440		$	521		$	568		$	11,501
Financing Receivables: Ending balance	$	166,994		$	479,396		$	216,952		$	54,488		$	69,164		$	0		$	986,994
Ending balance: individually evaluated for impairment	$	1,388		$	19,463		$	9,247		$	533		$	141		$	0		$	30,772
Ending balance: collectively evaluated for impairment	$	165,606		$	459,933		$	207,705		$	53,955		$	69,023		$	0		$	956,222
Twelve months ending  December 31, 2012
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		$	2,481		$	122		$	234		$	0		$	6,323
Ending balance: collectively evaluated for impairment	$	1,381		$	8,594		$	3,175		$	433		$	571		$	863		$	15,017
Financing Receivables: Ending balance	$	150,044		$	472,697		$	214,396		$	58,747		$	67,673		$	0		$	963,557
Ending balance: individually evaluated for impairment	$	3,682		$	20,558		$	10,993		$	562		$	592		$	0		$	36,387
Ending balance: collectively evaluated for impairment	$	146,362		$	452,139		$	203,403		$	58,185		$	67,081		$	0		$	927,170

(continued)
Twelve months ending  December 31, 2011	Commercial and Industrial			Commercial Real Estate			First Lien Residential Mortgages			Junior Lien Residential Mortgages			Consumer Loans			Unallocated		Total
Allowance for Credit Losses:
Beginning balance	$	3,024		$	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		$	1,875		$	180		$	104		$	0	$	6,034
Ending balance: collectively evaluated for impairment	$	2,232		$	7,912		$	3,518		$	325		$	827		$	171	$	14,985
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		$	10,080		$	606		$	210		$	0	$	42,215
Ending balance: collectively evaluated for impairment	$	153,162		$	456,732		$	201,317		$	66,169		$	64,314		$	0	$	941,694

Past Due Financing Receivables [Table Text Block]

(In thousands of dollars)
At December 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	$	220	$	0	$	0	$	220	$	116	$	166,658	$	166,994	$	0
Commercial Real Estate		999		97		0		1,096		5,447		472,853		479,396		0
Residential Mortgages 1st Liens		907		826		0		1,733		4,217		211,002		216,952		0
Residential Mortgages Junior Liens		0		81		0		81		287		54,120		54,488		0
Consumer		459		36		0		495		9		68,660		69,164		0
Total	$	2,585	$	1,040	$	0	$	3,625	$	10,076	$	973,293	$	986,994	$	0
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 1st 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
Total	$	2,490	$	3,125	$	37	$	5,652	$	15,668	$	942,237	$	963,557	$	37

Impaired Financing Receivables [Table Text Block]

(In Thousands of Dollars)
December 31, 2013	Recorded Investment		Unpaid Principal Balance		Related Allowance
Period end loans with no allocated allowance for loan losses
Commercial and Industrial	$	398	$	396	$	0
Commercial Real Estate		7,473		7,449		0
Residential Mortgages 1st Liens		0		0		0
Residential Mortgages Junior Liens		0		0		0
Consumer		0		0		0
Total	$	7,871	$	7,845	$	0
Period end loans with allocated allowance for loan losses
Commercial and Industrial	$	448	$	992	$	549
Commercial Real Estate		8,313		12,014		3,678
Residential Mortgages 1st Liens		7,013		9,247		2,082
Residential Mortgages Junior Liens		365		533		168
Consumer		399		141		19
Total	$	16,538	$	22,927	$	6,496
Total
Commercial and Industrial	$	846	$	1,388	$	549
Commercial Real Estate		15,786		19,463		3,678
Residential Mortgages 1st Liens		7,013		9,247		2,082
Residential Mortgages Junior Liens		365		533		168
Consumer		399		141		19
Total	$	24,409	$	30,772	$	6,496
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 1st 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	$	2,791	$	515
Commercial Real Estate		8,377		11,346		2,971
Residential Mortgages 1st Liens		10,993		10,993		2,481
Residential Mortgages Junior Liens		562		562		122
Consumer		592		592		234
Total	$	22,797	$	26,284	$	6,323
Total
Commercial and Industrial	$	3,164	$	3,682	$	515
Commercial Real Estate		17,592		20,558		2,971
Residential Mortgages 1st Liens		10,993		10,993		2,481
Residential Mortgages Junior Liens		562		562		122
Consumer		592		592		234
Total	$	32,903	$	36,387	$	6,323

Additional Information Related to Impaired Loans [Table Text Block]

(In Thousands of Dollars)	Twelve months ended December 31, 2013				Twelve months ended December 31, 2012				Twelve months ended December 31, 2011
	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	$	920	$	27	$	2,862	$	160	$	2,073	$	116
Commercial Real Estate		8,025		266		10,213		846		12,444		452
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	$	8,945	$	293	$	13,075	$	1,006	$	14,517	$	568
Period end loans with allocated allowance for loan losses
Commercial and Industrial	$	989	$	57	$	880	$	24	$	722	$	0
Commercial Real Estate		8,476		517		10,561		52		9,003		28
Residential Mortgages 1st Liens		8,584		327		9,998		416		9,223		219
Residential Mortgages Junior Liens		470		12		502		13		459		2
Consumer		265		7		450		17		192		0
Total	$	18,784	$	920	$	22,391	$	522	$	19,599	$	249
Total
Commercial and Industrial	$	1,909	$	84	$	3,742	$	184	$	2,795	$	116
Commercial Real Estate		16,501		783		20,774		898		21,447		480
Residential Mortgages 1st Liens		8,584		327		9,998		416		9,223		219
Residential Mortgages Junior Liens		470		12		502		13		459		2
Consumer		265		7		450		17		191		0
Total	$	27,729	$	1,213	$	35,466	$	1,528	$	34,116	$	817

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, 2013
Commercial and Industrial		6	$	236	$	235		1	$	0
Commercial Real Estate		7		581		581		2		439
Residential Mortgages 1st Liens		14		1,399		1,342		9		420
Residential Mortgages Junior Liens		2		48		27		0		0
Consumer		0		0		0		0		0
Total		29	$	2,264	$	2,185		12	$	859
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		38	$	9,142	$	8,686		23	$	2,529