Note 7 - Loans (Tables)

6 Months Ended

Jun. 30, 2013

Note 7 - Loans (Tables) [Line Items]

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

Summary of Loans by Type
(In Thousands)	June 30, 2013			Dec. 31, 2012
Residential mortgage:
Residential mortgage loans - first liens	$	304,806		$	311,627
Residential mortgage loans - junior liens		24,797			26,748
Home equity lines of credit		33,076			33,017
1-4 Family residential construction		14,895			12,842
Total residential mortgage		377,574			384,234
Commercial:
Commercial loans secured by real estate		155,168			158,413
Commercial and industrial		45,812			48,442
Political subdivisions		24,033			31,789
Commercial construction and land		20,189			28,200
Loans secured by farmland		11,134			11,403
Multi-family (5 or more) residential		6,397			6,745
Agricultural loans		3,061			3,053
Other commercial loans		543			362
Total commercial		266,337			288,407
Consumer		11,059			11,269
Total		654,970			683,910
Less: allowance for loan losses		(7,198	)		(6,857	)
Loans, net	$	647,772		$	677,053

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

Six Months Ended June 30, 2013
(In Thousands)	Dec. 31, 2012 Balance		Charge-offs			Recoveries		Provision (Credit)			June 30, 2013 Balance
Allowance for Loan Losses:
Residential mortgage:
Residential mortgage loans - first liens	$	2,619	$	(65	)	$	11	$	306		$	2,871
Residential mortgage loans - junior liens		247		0			0		(18	)		229
Home equity lines of credit		255		0			0		3			258
1-4 Family residential construction		96		(11	)		0		94			179
Total residential mortgage		3,217		(76	)		11		385			3,537
Commercial:
Commercial loans secured by real estate		1,930		0			293		(279	)		1,944
Commercial and industrial		581		(110	)		2		155			628
Political subdivisions		0		0			0		0			0
Commercial construction and land		234		(4	)		0		28			258
Loans secured by farmland		129		0			0		(8	)		121
Multi-family (5 or more) residential		67		0			0		(3	)		64
Agricultural loans		27		0			0		1			28
Other commercial loans		3		0			0		2			5
Total commercial		2,971		(114	)		295		(104	)		3,048
Consumer		228		(55	)		31		11			215
Unallocated		441		0			0		(43	)		398
Total Allowance for Loan Losses	$	6,857	$	(245	)	$	337	$	249		$	7,198

Six Months Ended June 30, 2012
(In Thousands)	Dec. 31, 2011 Balance		Charge-offs			Recoveries		Provision (Credit)			June 30, 2012 Balance
Allowance for Loan Losses:
Residential mortgage:
Residential mortgage loans - first liens	$	3,026	$	(188	)	$	18	$	32		$	2,888
Residential mortgage loans - junior liens		266		0			0		(12	)		254
Home equity lines of credit		231		0			0		14			245
1-4 Family residential construction		79		0			0		1			80
Total residential mortgage		3,602		(188	)		18		35			3,467
Commercial:
Commercial loans secured by real estate		2,004		0			0		(28	)		1,976
Commercial and industrial		946		(35	)		5		(204	)		712
Political subdivisions		0		0			0		0			0
Commercial construction and land		267		0			0		339			606
Loans secured by farmland		126		0			0		(9	)		117
Multi-family (5 or more) residential		66		0			0		(2	)		64
Agricultural loans		27		0			0		2			29
Other commercial loans		5		0			0		0			5
Total commercial		3,441		(35	)		5		98			3,509
Consumer		228		(68	)		35		50			245
Unallocated		434		0			0		2			436
Total Allowance for Loan Losses	$	7,705	$	(291	)	$	58	$	185		$	7,657

Three Months Ended June 30, 2013
(In Thousands)	Mar. 31, 2013 Balance		Charge-offs			Recoveries		Provision (Credit)			June 30, 2013 Balance
Allowance for Loan Losses:
Residential mortgage:
Residential mortgage loans - first liens	$	2,786	$	(13	)	$	11	$	87		$	2,871
Residential mortgage loans - junior liens		236		0			0		(7	)		229
Home equity lines of credit		251		0			0		7			258
1-4 Family residential construction		145		(11	)		0		45			179
Total residential mortgage		3,418		(24	)		11		132			3,537
Commercial:
Commercial loans secured by real estate		1,906		0			43		(5	)		1,944
Commercial and industrial		597		(2	)		1		32			628
Political subdivisions		0		0			0		0			0
Commercial construction and land		368		(4	)		0		(106	)		258
Loans secured by farmland		127		0			0		(6	)		121
Multi-family (5 or more) residential		65		0			0		(1	)		64
Agricultural loans		26		0			0		2			28
Other commercial loans		2		0			0		3			5
Total commercial		3,091		(6	)		44		(81	)		3,048
Consumer		211		(22	)		11		15			215
Unallocated		398		0			0		0			398
Total Allowance for Loan Losses	$	7,118	$	(52	)	$	66	$	66		$	7,198

Three Months Ended June 30, 2012
(In Thousands)	Mar. 31, 2012 Balance		Charge-offs			Recoveries		Provision (Credit)			June 30, 2012 Balance
Allowance for Loan Losses:
Residential mortgage:
Residential mortgage loans - first liens	$	2,953	$	(50	)	$	18	$	(33	)	$	2,888
Residential mortgage loans - junior liens		260		0			0		(6	)		254
Home equity lines of credit		232		0			0		13			245
1-4 Family residential construction		62		0			0		18			80
Total residential mortgage		3,507		(50	)		18		(8	)		3,467
Commercial:
Commercial loans secured by real estate		1,920		0			0		56			1,976
Commercial and industrial		762		(35	)		4		(19	)		712
Political subdivisions		0		0			0		0			0
Commercial construction and land		325		0			0		281			606
Loans secured by farmland		121		0			0		(4	)		117
Multi-family (5 or more) residential		63		0			0		1			64
Agricultural loans		27		0			0		2			29
Other commercial loans		3		0			0		2			5
Total commercial		3,221		(35	)		4		319			3,509
Consumer		206		(30	)		13		56			245
Unallocated		436		0			0		0			436
Total Allowance for Loan Losses	$	7,370	$	(115	)	$	35	$	367		$	7,657

Financing Receivable Credit Quality Indicators [Table Text Block]

June 30, 2013:			Special
(In Thousands)	Pass		Mention		Substandard		Doubtful		Total
Residential Mortgage:
Residential mortgage loans - first liens	$	289,357	$	2,440	$	12,821	$	188	$	304,806
Residential mortgage loans - junior liens		23,608		406		783		0		24,797
Home equity lines of credit		32,623		96		357		0		33,076
1-4 Family residential construction		14,823		0		72		0		14,895
Total residential mortgage		360,411		2,942		14,033		188		377,574
Commercial:
Commercial loans secured by real estate		143,139		7,109		4,603		317		155,168
Commercial and Industrial		38,739		3,683		3,025		365		45,812
Political subdivisions		23,928		105		0		0		24,033
Commercial construction and land		18,744		225		472		748		20,189
Loans secured by farmland		8,845		767		1,490		32		11,134
Multi-family (5 or more) residential		6,020		329		48		0		6,397
Agricultural loans		2,969		36		56		0		3,061
Other commercial loans		543		0		0		0		543
Total commercial		242,927		12,254		9,694		1,462		266,337
Consumer		10,836		11		212		0		11,059
Totals	$	614,174	$	15,207	$	23,939	$	1,650	$	654,970

December 31, 2012:			Special
(In Thousands)	Pass		Mention		Substandard		Doubtful		Total
Residential Mortgage:
Residential mortgage loans - first liens	$	295,929	$	3,633	$	11,872	$	193	$	311,627
Residential mortgage loans - junior liens		25,394		420		934		0		26,748
Home equity lines of credit		32,374		130		513		0		33,017
1-4 Family residential construction		12,759		0		83		0		12,842
Total residential mortgage		366,456		4,183		13,402		193		384,234
Commercial:
Commercial loans secured by real estate		146,381		6,994		5,038		0		158,413
Commercial and Industrial		41,237		3,030		3,810		365		48,442
Political subdivisions		31,679		110		0		0		31,789
Commercial construction and land		26,744		231		477		748		28,200
Loans secured by farmland		9,102		751		1,517		33		11,403
Multi-family (5 or more) residential		6,394		342		9		0		6,745
Agricultural loans		2,963		28		62		0		3,053
Other commercial loans		362		0		0		0		362
Total commercial		264,862		11,486		10,913		1,146		288,407
Consumer		11,053		12		203		1		11,269
Totals	$	642,371	$	15,681	$	24,518	$	1,340	$	683,910

Impaired Financing Receivables [Table Text Block]

June 30, 2013	Loans:						Allowance for Loan Losses:
(In Thousands)
	Individually Evaluated		Collectively Evaluated		Totals		Individually Evaluated		Collectively Evaluated		Totals
Residential mortgage:
Residential mortgage loans - first liens	$	2,102	$	302,704	$	304,806	$	268	$	2,603	$	2,871
Residential mortgage loans - junior liens		227		24,570		24,797		0		229		229
Home equity lines of credit		0		33,076		33,076		0		258		258
1-4 Family residential construction		0		14,895		14,895		0		179		179
Total residential mortgage		2,329		375,245		377,574		268		3,269		3,537
Commercial:
Commercial loans secured by real estate		1,397		153,771		155,168		206		1,738		1,944
Commercial and industrial		736		45,076		45,812		231		397		628
Political subdivisions		0		24,033		24,033		0		0		0
Commercial construction and land		1,004		19,185		20,189		0		258		258
Loans secured by farmland		1,358		9,776		11,134		31		90		121
Multi-family (5 or more) residential		48		6,349		6,397		0		64		64
Agricultural loans		53		3,008		3,061		0		28		28
Other commercial loans		0		543		543		0		5		5
Total commercial		4,596		261,741		266,337		468		2,580		3,048
Consumer		46		11,013		11,059		26		189		215
Unallocated												398
Total	$	6,971	$	647,999	$	654,970	$	762	$	6,038	$	7,198

December 31, 2012	Loans:						Allowance for Loan Losses:
(In Thousands)
	Individually Evaluated		Collectively Evaluated		Totals		Individually Evaluated		Collectively Evaluated		Totals
Residential mortgage:
Residential mortgage loans - first liens	$	2,341	$	309,286	$	311,627	$	206	$	2,413	$	2,619
Residential mortgage loans - junior liens		158		26,590		26,748		0		247		247
Home equity lines of credit		0		33,017		33,017		0		255		255
1-4 Family residential construction		0		12,842		12,842		0		96		96
Total residential mortgage		2,499		381,735		384,234		206		3,011		3,217
Commercial:
Commercial loans secured by real estate		1,938		156,475		158,413		146		1,784		1,930
Commercial and industrial		939		47,503		48,442		197		384		581
Political subdivisions		0		31,789		31,789		0		0		0
Commercial construction and land		1,034		27,166		28,200		0		234		234
Loans secured by farmland		923		10,480		11,403		34		95		129
Multi-family (5 or more) residential		9		6,736		6,745		0		67		67
Agricultural loans		40		3,013		3,053		0		27		27
Other commercial loans		0		362		362		0		3		3
Total commercial		4,883		283,524		288,407		377		2,594		2,971
Consumer		47		11,222		11,269		40		188		228
Unallocated												441
Total	$	7,429	$	676,481	$	683,910	$	623	$	5,793	$	6,857

Schedule of Additional Information on Impaired Loans [Table Text Block]

(In Thousands)	3 Months Ended June 30,				6 Months Ended June 30,
	2013		2012		2013		2012
Average investment in impaired loans	$	7,131	$	6,930	$	7,291	$	7,025
Interest income recognized on impaired loans		58		55		128		138
Interest income recognized on a cash basis on impaired loans		58		55		128		138

Past Due Financing Receivables [Table Text Block]

(In Thousands)	As of June 30, 2013								As of December 31, 2012
	Current & Past Due Less than 30 Days		Past Due 30-89 Days		Past Due 90+ Days		Total		Current & Past Due Less than 30 Days		Past Due 30-89 Days		Past Due 90+ Days		Total
Residential mortgage:
Residential mortgage loans - first liens	$	298,731	$	3,769	$	2,306	$	304,806	$	302,373	$	6,228	$	3,026	$	311,627
Residential mortgage loans - junior liens		24,517		121		159		24,797		26,247		371		130		26,748
Home equity lines of credit		32,879		96		101		33,076		32,593		184		240		33,017
1-4 Family residential construction		14,823		0		72		14,895		12,627		215		0		12,842
Total residential mortgage		370,950		3,986		2,638		377,574		373,840		6,998		3,396		384,234
Commercial:
Commercial loans secured by real estate		152,495		1,727		946		155,168		156,834		704		875		158,413
Commercial and industrial		44,864		438		510		45,812		47,569		317		556		48,442
Political subdivisions		24,033		0		0		24,033		31,789		0		0		31,789
Commercial construction and land		18,974		210		1,005		20,189		26,944		248		1,008		28,200
Loans secured by farmland		9,904		105		1,125		11,134		10,438		75		890		11,403
Multi-family (5 or more) residential		6,268		129		0		6,397		6,743		2		0		6,745
Agricultural loans		3,022		0		39		3,061		3,003		10		40		3,053
Other commercial loans		543		0		0		543		362		0		0		362
Total commercial		260,103		2,609		3,625		266,337		283,682		1,356		3,369		288,407
Consumer		10,929		52		78		11,059		11,135		129		5		11,269
Totals	$	641,982	$	6,647	$	6,341	$	654,970	$	668,657	$	8,483	$	6,770	$	683,910

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

(In Thousands)	Current & Past Due Less than 30 Days		Past Due 30-89 Days		Past Due 90+ Days		Total
June 30, 2013 Nonaccrual Totals	$	2,024	$	534	$	4,139	$	6,697
December 31, 2012 Nonaccrual Totals	$	2,167	$	727	$	4,459	$	7,353

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

Troubled Debt Restructurings (TDRs):
(In Thousands)	Current & Past Due Less than 30 Days		Past Due 30-89  Days		Past Due 90+ Days		Nonaccrual		Total
June 30, 2013 Totals	$	1,630	$	557	$	0	$	1,154	$	3,341
December 31, 2012 Totals	$	785	$	121	$	0	$	1,155	$	2,061

Schedule of Troubled Debt Restructurings With Subsequent Default [Table Text Block]

(Balances in Thousands)	Number of Contracts		Recorded Investment
Quarter and Six Months Ended June 30, 2013
(Balances in Thousands)
Commercial,
Commercial loans secured by real estate		1	$	440

90+ Days Past Due Accruing and Nonaccrual [Member]

Note 7 - Loans (Tables) [Line Items]

Past Due Financing Receivables [Table Text Block]

(In Thousands)	June 30, 2013				December 31, 2012
	Past Due 90+ Days and Accruing		Nonaccrual		Past Due 90+ Days and Accruing		Nonaccrual
Residential mortgage:
Residential mortgage loans - first liens	$	1,510	$	2,929	$	1,900	$	3,064
Residential mortgage loans - junior liens		58		111		29		111
Home equity lines of credit		39		62		40		200
1-4 Family residential construction		0		72		0		0
Total residential mortgage		1,607		3,174		1,969		3,375
Commercial:
Commercial loans secured by real estate		278		926		120		1,338
Commercial and industrial		3		576		68		761
Commercial construction and land		0		1,033		149		887
Loans secured by farmland		236		921		0		923
Agricultural loans		0		39		0		40
Total commercial		517		3,495		337		3,949
Consumer		78		28		5		29
Totals	$	2,202	$	6,697	$	2,311	$	7,353

Troubled Debt Restructuring [Member]

Note 7 - Loans (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

Quarter Ended June 30, 2013 (Balances in Thousands)	Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment
Residential mortgage:
Residential mortgage loans - first liens		1	$	143	$	143
Residential mortgage loans - junior liens		1		65		65
Commercial:
Commercial loans secured by real estate		1		440		440
Loans secured by farmland		4		512		512
Agricultural loans		1		13		13
Consumer		1		6		6

Six Months Ended June 30, 2013 (Balances in Thousands)	Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment
Residential mortgage:
Residential mortgage loans - first liens		6	$	677	$	677
Residential mortgage loans - junior liens		3		102		102
Commercial:
Commercial loans secured by real estate		1		440		440
Loans secured by farmland		4		512		512
Agricultural loans		1		13		13
Consumer		1		6		6

Six Months Ended June 30, 2012 (Balances in Thousands)	Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment
Commercial:
Commercial and industrial		1	$	65	$	65