Note 10 - Regulatory Matters (Tables)

9 Months Ended

Sep. 30, 2012

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

	September 30, 2012									December 31, 2011
	Tier 1 Risk-based Capital1			Total Risk-based Capital1			Tier 1 Leverage2			Tier 1 Risk-based Capital1			Total Risk-based Capital1			Tier 1 Leverage2
Consolidated		17.89	%		19.15	%		10.79	%		16.68	%		17.95	%		9.99	%
Farmers Bank		17.70			18.96			9.47			17.58			18.84			9.47
First Citizens		12.61			13.41			8.99			13.47			14.21			8.93
United Bank		15.32			16.60			9.41			13.51			14.79			8.44
Citizens Northern		12.84			14.09			9.01			12.24			13.49			8.48