Note 7 - Loans and Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2014

Note 7 - Loans and Allowance for Loan Losses (Tables) [Line Items]

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

(In thousands)	June 30, 2014		December 31, 2013
Real Estate:
Real estate mortgage - construction and land development	$	97,769	$	101,352
Real estate mortgage - residential		365,969		371,582
Real estate mortgage - farmland and other commercial enterprises		392,910		418,147
Commercial:
Commercial and industrial		52,713		47,426
States and political subdivisions		25,150		21,561
Lease financing		398		902
Other		20,769		23,840
Consumer:
Secured		8,836		8,579
Unsecured		5,670		6,513
Total loans		970,184		999,902
Less unearned income		5		19
Total loans, net of unearned income	$	970,179	$	999,883

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

(In thousands)	Real Estate			Commercial			Consumer			Total
Three months ended June 30, 2014
Balance, beginning of period	$	17,114		$	1,201		$	375		$	18,690
Provision for loan losses		(1,603	)		205			10			(1,388	)
Recoveries		189			18			39			246
Loans charged off		(252	)		(86	)		(87	)		(425	)
Balance, end of period	$	15,448		$	1,338		$	337		$	17,123
Six months ended June 30, 2014
Balance, beginning of period	$	18,716		$	1,409		$	452		$	20,577
Provision for loan losses		(2,359	)		1,130			(27	)		(1,256	)
Recoveries		357			45			74			476
Loans charged off		(1,266	)		(1,246	)		(162	)		(2,674	)
Balance, end of period	$	15,448		$	1,338		$	337		$	17,123

(In thousands)	Real Estate			Commercial			Consumer			Total
Three months ended June 30, 2013
Balance, beginning of period	$	21,402		$	1,558		$	603		$	23,563
Provision for loan losses		(848	)		624			(138	)		(362	)
Recoveries		48			14			114			176
Loans charged off		(362	)		(19	)		(53	)		(434	)
Balance, end of period	$	20,240		$	2,177		$	526		$	22,943
Six months ended June 30, 2013
Balance, beginning of period	$	22,254		$	1,513		$	678		$	24,445
Provision for loan losses		(1,500	)		617			(111	)		(994	)
Recoveries		184			97			150			431
Loans charged off		(698	)		(50	)		(191	)		(939	)
Balance, end of period	$	20,240		$	2,177		$	526		$	22,943

Impaired Financing Receivables [Table Text Block]

June 30, 2014 (In thousands)	Unpaid Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Allowance for Loan Losses Allocated
Real Estate
Real estate mortgage - construction and land development	$	15,753	$	8,566	$	4,400	$	12,966	$	856
Real estate mortgage - residential		10,930		3,980		6,645		10,625		1,195
Real estate mortgage - farmland and other commercial enterprises		25,833		7,126		18,600		25,726		1,278
Commercial
Commercial and industrial		240		23		217		240		195
Consumer
Unsecured		66		-		66		66		66
Total	$	52,822	$	19,695	$	29,928	$	49,623	$	3,590

December 31, 2013 (In thousands)	Unpaid Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Allowance for Loan Losses Allocated
Real Estate
Real estate mortgage - construction and land development	$	17,234	$	9,742	$	4,699	$	14,441	$	930
Real estate mortgage - residential		11,595		2,871		8,612		11,483		1,443
Real estate mortgage - farmland and other commercial enterprises		32,102		12,262		19,746		32,008		1,443
Commercial
Commercial and industrial		311		24		293		317		200
Consumer
Secured		18		-		18		18		15
Unsecured		71		-		72		72		71
Total	$	61,331	$	24,899	$	33,440	$	58,339	$	4,102

Loans and ALL Disaggregated Impairment Method [Table Text Block]

June 30, 2014 (In thousands)	Real Estate		Commercial		Consumer		Total
Allowance for Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	3,329	$	195	$	66	$	3,590
Collectively evaluated for impairment		12,119		1,143		271		13,533
Total ending allowance balance	$	15,448	$	1,338	$	337	$	17,123
Loans
Loans individually evaluated for impairment	$	49,317	$	240	$	66	$	49,623
Loans collectively evaluated for impairment		807,331		98,785		14,440		920,556
Total ending loan balance, net of unearned income	$	856,648	$	99,025	$	14,506	$	970,179

December 31, 2013 (In thousands)	Real Estate		Commercial		Consumer		Total
Allowance for Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	3,816	$	200	$	86	$	4,102
Collectively evaluated for impairment		14,900		1,209		366		16,475
Total ending allowance balance	$	18,716	$	1,409	$	452	$	20,577
Loans
Loans individually evaluated for impairment	$	57,932	$	317	$	90	$	58,339
Loans collectively evaluated for impairment		833,149		93,393		15,002		941,544
Total ending loan balance, net of unearned income	$	891,081	$	93,710	$	15,092	$	999,883

Non-performing Loans Including TDR's [Table Text Block]

June 30, 2014 (In thousands)	Nonaccrual		Restructured Loans		Loans Past Due 90 Days or More and Still Accruing
Real Estate:
Real estate mortgage - construction and land development	$	4,794	$	4,219	$	-
Real estate mortgage - residential		5,149		4,532		-
Real estate mortgage - farmland and other commercial enterprises		7,937		16,657		-
Commercial:
Commercial and industrial		199		-		-
Other		11		-		-
Consumer:
Secured		5		-		-
Unsecured		-		48		-
Total	$	18,095	$	25,456	$	-

December 31, 2013 (In thousands)	Nonaccrual		Restructured Loans		Loans Past Due 90 Days or More and Still Accruing
Real Estate:
Real estate mortgage - construction and land development	$	5,821	$	4,391	$	-
Real estate mortgage - residential		5,154		4,826		10
Real estate mortgage - farmland and other commercial enterprises		12,677		16,987		434
Commercial:
Commercial and industrial		160		-		-
Lease financing		22		-		-
Consumer:
Secured		3		-		-
Unsecured		1		51		-
Total	$	23,838	$	26,255	$	444

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

(Dollars in thousands) Troubled Debt Restructurings:	Number of Loans		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Three Months Ended June 30, 2013
Real Estate:
Real estate mortgage – residential		1	$	18	$	18
Commercial:
Commercial and industrial		1		2		2
Consumer:
Secured		1		13		13
Total		3	$	33	$	33
Six Months Ended June 30, 2013
Real Estate:
Real estate mortgage – residential		3	$	309	$	309
Commercial:
Commercial and industrial		1		2		2
Consumer:
Secured		1		13		13
Total		5	$	324	$	324

Past Due Financing Receivables [Table Text Block]

June 30, 2014 (In thousands)	30-89 Days Past Due		90 Days or More Past Due		Total		Current		Total Loans
Real Estate:
Real estate mortgage - construction and land development	$	568	$	317	$	885	$	96,884	$	97,769
Real estate mortgage - residential		2,771		2,822		5,593		360,376		365,969
Real estate mortgage - farmland and other commercial enterprises		444		6,278		6,722		386,188		392,910
Commercial:
Commercial and industrial		45		176		221		52,492		52,713
States and political subdivisions		-		-		-		25,150		25,150
Lease financing, net		171		-		171		222		393
Other		25		-		25		20,744		20,769
Consumer:
Secured		56		2		58		8,778		8,836
Unsecured		58		-		58		5,612		5,670
Total	$	4,138	$	9,595	$	13,733	$	956,446	$	970,179

December 31, 2013 (In thousands)	30-89 Days Past Due		90 Days or More Past Due		Total		Current		Total Loans
Real Estate:
Real estate mortgage - construction and land development	$	58	$	613	$	671	$	100,681	$	101,352
Real estate mortgage - residential		1,225		2,502		3,727		367,855		371,582
Real estate mortgage - farmland and other commercial enterprises		3,548		7,978		11,526		406,621		418,147
Commercial:
Commercial and industrial		71		53		124		47,302		47,426
States and political subdivisions		-		-		-		21,561		21,561
Lease financing, net		-		22		22		861		883
Other		56		-		56		23,784		23,840
Consumer:
Secured		41		3		44		8,535		8,579
Unsecured		58		1		59		6,454		6,513
Total	$	5,057	$	11,172	$	16,229	$	983,654	$	999,883

Financing Receivable Credit Quality Indicators [Table Text Block]

	Real Estate						Commercial
June 30, 2014 (In thousands)	Real Estate Mortgage - Construction and Land Development		Real Estate Mortgage- Residential		Real Estate Mortgage- Farmland and Other Commercial Enterprises		Commercial and Industrial		States and Political Subdivisions		Lease Financing		Other
Credit risk profile by internally assigned rating grades:
Pass	$	75,835	$	332,358	$	345,066	$	50,930	$	25,150	$	393	$	20,691
Special Mention		7,207		12,219		16,532		785		-		-		59
Substandard		14,727		21,392		30,837		998		-		-		19
Doubtful		-		-		475		-		-		-		-
Total	$	97,769	$	365,969	$	392,910	$	52,713	$	25,150	$	393	$	20,769

	Real Estate						Commercial
December 31, 2013 (In thousands)	Real Estate Mortgage - Construction and Land Development		Real Estate Mortgage- Residential		Real Estate Mortgage- Farmland and Other Commercial Enterprises		Commercial and Industrial		States and Political Subdivisions		Lease Financing		Other
Credit risk profile by internally assigned rating grades:
Pass	$	77,873	$	334,104	$	352,238	$	45,652	$	21,561	$	861	$	23,820
Special Mention		7,755		15,120		29,156		963		-		-		-
Substandard		15,724		22,358		36,753		735		-		22		20
Doubtful		-		-		-		76		-		-		-
Total	$	101,352	$	371,582	$	418,147	$	47,426	$	21,561	$	883	$	23,840

Credit Quality Consumer Loans [Table Text Block]

	June 30, 2014				December 31, 2013
	Consumer				Consumer
(In thousands)	Secured		Unsecured		Secured		Unsecured
Credit risk profile based on payment activity:
Performing	$	8,831	$	5,622	$	8,576	$	6,461
Nonperforming		5		48		3		52
Total	$	8,836	$	5,670	$	8,579	$	6,513

Additional Information Regarding Impaired Loans [Member]

Note 7 - Loans and Allowance for Loan Losses (Tables) [Line Items]

Impaired Financing Receivables [Table Text Block]

Three Months Ended June 30,	2014						2013
(In thousands)	Average		Interest Income Recognized		Cash Basis Interest Recognized		Average		Interest Income Recognized		Cash Basis Interest Recognized
Real Estate
Real estate – construction and land development	$	15,452	$	120	$	118	$	24,159	$	338	$	347
Real estate mortgage – residential		11,059		147		141		10,836		87		83
Real estate mortgage – farmland and other commercial enterprises		26,295		359		346		28,209		236		236
Commercial
Commercial and industrial		245		3		3		1,154		29		29
Consumer
Secured		-		-		-		21		1		1
Unsecured		68		-		-		215		3		4
Total	$	53,119	$	629	$	608	$	64,594	$	694	$	700

Six Months Ended June 30,	2014						2013
(In thousands)	Average		Interest Income Recognized		Cash Basis Interest Recognized		Average		Interest Income Recognized		Cash Basis Interest Recognized
Real Estate
Real estate – construction and land development	$	15,537	$	233	$	229	$	25,047	$	691	$	689
Real estate mortgage – residential		11,384		262		250		9,569		172		163
Real estate mortgage – farmland and other commercial enterprises		30,222		745		722		29,692		484		478
Commercial
Commercial and industrial		247		4		3		930		33		33
Consumer
Secured		9		-		-		21		1		1
Unsecured		69		4		3		214		6		6
Total	$	57,468	$	1,248	$	1,207	$	65,473	$	1,387	$	1,370