Note 22 - Capital Adequacy (Tables)

12 Months Ended

Dec. 31, 2013

Disclosure Text Block [Abstract]

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]

	Actual					Minimum Required For Capital Adequacy Purposes					To Be Well Capitalized Under Prompt Corrective Action Provisions
(In thousands of dollars)
	Amount		Ratio			Amount		Ratio			Amount		Ratio
2013
Total Capital to Risk Weighted Assets
Consolidated	$	149,581		15.33	%	$	78,058		8.00	%	$	97,572		10.00	%
Firstbank		109,076		13.77	%		63,376		8.00	%		79,220		10.00	%
Keystone Community Bank		25,070		13.94	%		14,390		8.00	%		17,987		10.00	%
Tier 1 (Core) Capital to Risk Weighted Assets
Consolidated	$	137,355		14.08	%	$	39,029		4.00	%	$	58,543		6.00	%
Firstbank		99,129		12.51	%		31,688		4.00	%		47,532		6.00	%
Keystone Community Bank		22,795		12.67	%		7,195		4.00	%		10,792		6.00	%
Tier 1 (Core) Capital to Average Assets
Consolidated	$	137,355		9.49	%	$	57,910		4.00	%	$	72,387		5.00	%
Firstbank		99,129		8.19	%		48,393		4.00	%		60,491		5.00	%
Keystone Community Bank		22,795		9.91	%		9,204		4.00	%		11,505		5.00	%

	Amount		Ratio			Amount		Ratio			Amount		Ratio
2012
Total Capital to Risk Weighted Assets
Consolidated	$	155,135		15.99	%	$	77,618		8.00	%	$	97,023		10.00	%
Firstbank – Alma		33,195		15.81	%		16,797		8.00	%		20,997		10.00	%
Firstbank – Mt. Pleasant		37,816		12.74	%		23,748		8.00	%		29,685		10.00	%
Firstbank – West Branch		23,021		14.01	%		13,144		8.00	%		16,430		10.00	%
Keystone Community Bank		28,641		15.78	%		14,521		8.00	%		18,151		10.00	%
Firstbank – West Michigan		15,226		12.83	%		9,493		8.00	%		11,866		10.00	%
Tier 1 (Core) Capital to Risk Weighted Assets
Consolidated	$	142,884		14.73	%	$	38,809		4.00	%	$	58,214		6.00	%
Firstbank – Alma		30,541		14.55	%		8,399		4.00	%		12,598		6.00	%
Firstbank – Mt. Pleasant		34,097		11.49	%		11,874		4.00	%		17,811		6.00	%
Firstbank – West Branch		20,945		12.75	%		6,572		4.00	%		9,858		6.00	%
Keystone Community Bank		26,333		14.51	%		7,260		4.00	%		10,891		6.00	%
Firstbank – West Michigan		13,729		11.57	%		4,746		4.00	%		7,119		6.00	%
Tier 1 (Core) Capital to Average Assets
Consolidated	$	142,884		9.71	%	$	58,854		4.00	%	$	73,568		5.00	%
Firstbank – Alma		30,541		8.15	%		14,998		4.00	%		18,748		5.00	%
Firstbank – Mt. Pleasant		34,097		8.12	%		16,765		4.00	%		20,994		5.00	%
Firstbank – West Branch		20,945		8.55	%		9,803		4.00	%		12,253		5.00	%
Keystone Community Bank		26,333		11.61	%		9,072		4.00	%		11,340		5.00	%
Firstbank – West Michigan		13,729		7.29	%		7,538		4.00	%		9,422		5.00	%