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

6 Months Ended

Jun. 30, 2015

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, 2015		December 31, 2014
Real Estate:
Real estate mortgage - construction and land development	$	105,911	$	97,045
Real estate mortgage - residential		353,132		361,022
Real estate mortgage - farmland and other commercial enterprises		369,294		375,277
Commercial:
Commercial and industrial		52,313		47,112
States and political subdivisions		21,037		22,369
Lease financing		50		159
Other		19,333		15,547
Consumer:
Secured		7,152		7,963
Unsecured		5,083		5,450
Total loans		933,305		931,944
Less unearned income		-		1
Total loans, net of unearned income	$	933,305	$	931,943

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

(In thousands)	Real Estate			Commercial			Consumer			Total
Three months ended June 30, 2015
Balance, beginning of period	$	11,522		$	866		$	218		$	12,606
Provision for loan losses		(576	)		189			123			(264	)
Recoveries		52			15			26			93
Loans charged off		(192	)		(13	)		(31	)		(236	)
Balance, end of period	$	10,806		$	1,057		$	336		$	12,199
Six months ended June 30, 2015
Balance, beginning of period	$	12,542		$	1,153		$	273		$	13,968
Provision for loan losses		(1,787	)		(101	)		79			(1,809	)
Recoveries		338			31			63			432
Loans charged off		(287	)		(26	)		(79	)		(392	)
Balance, end of period	$	10,806		$	1,057		$	336		$	12,199

(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

Impaired Financing Receivables [Table Text Block]

June 30, 2015 (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	$	11,524	$	5,523	$	3,280	$	8,803	$	525
Real estate mortgage - residential		10,698		3,344		7,240		10,584		1,196
Real estate mortgage - farmland and other commercial enterprises		22,376		5,018		17,218		22,236		904
Commercial
Commercial and industrial		767		323		446		769		270
Consumer
Unsecured		164		-		165		165		164
Total	$	45,529	$	14,208	$	28,349	$	42,557	$	3,059

December 31, 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	$	13,656	$	6,902	$	3,917	$	10,819	$	744
Real estate mortgage - residential		10,256		3,473		6,649		10,122		1,172
Real estate mortgage - farmland and other commercial enterprises		23,003		5,247		17,649		22,896		1,359
Commercial
Commercial and industrial		93		22		71		93		71
Consumer
Secured		-		-		-		-		-
Unsecured		25		-		25		25		25
Total	$	47,033	$	15,644	$	28,311	$	43,955	$	3,371

Loans and ALL Disaggregated Impairment Method [Table Text Block]

June 30, 2015 (In thousands)	Real Estate		Commercial		Consumer		Total
Allowance for Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	2,625	$	270	$	164	$	3,059
Collectively evaluated for impairment		8,181		787		172		9,140
Total ending allowance balance	$	10,806	$	1,057	$	336	$	12,199
Loans
Loans individually evaluated for impairment	$	41,623	$	769	$	165	$	42,557
Loans collectively evaluated for impairment		786,714		91,964		12,070		890,748
Total ending loan balance, net of unearned income	$	828,337	$	92,733	$	12,235	$	933,305

December 31, 2014 (In thousands)	Real Estate		Commercial		Consumer		Total
Allowance for Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	3,275	$	71	$	25	$	3,371
Collectively evaluated for impairment		9,267		1,082		248		10,597
Total ending allowance balance	$	12,542	$	1,153	$	273	$	13,968
Loans
Loans individually evaluated for impairment	$	43,837	$	93	$	25	$	43,955
Loans collectively evaluated for impairment		789,507		85,093		13,388		887,988
Total ending loan balance, net of unearned income	$	833,344	$	85,186	$	13,413	$	931,943

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

June 30, 2015 (In thousands)	Nonaccrual		Restructured Loans		Loans Past Due 90 Days or More and Still Accruing
Real Estate:
Real estate mortgage - construction and land development	$	2,404	$	3,679	$	-
Real estate mortgage - residential		3,335		4,385		-
Real estate mortgage - farmland and other commercial enterprises		4,109		15,671		-
Commercial:
Commercial and industrial		52		387		-
Other		9		-		-
Consumer:
Secured		12		-		-
Unsecured		-		150		-
Total	$	9,921	$	24,272	$	-

December 31, 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	$	3,744	$	3,742	$	-
Real estate mortgage - residential		3,474		4,674		-
Real estate mortgage - farmland and other commercial enterprises		4,202		16,004		-
Commercial:
Commercial and industrial		81		-		-
Lease financing		7		-		-
Consumer:
Unsecured		-		9		-
Total	$	11,508	$	24,429	$	-

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, 2015
Commercial:
Commercial and industrial		2	$	388	$	388
Consumer:
Unsecured		1		145		145
Total		3	$	533	$	533
Six Months Ended June 30, 2015
Commercial:
Commercial and industrial		2	$	388	$	388
Consumer:
Secured		1		145		145
Total		3	$	533	$	533

Past Due Financing Receivables [Table Text Block]

June 30, 2015 (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	$	78	$	272	$	350	$	105,561	$	105,911
Real estate mortgage - residential		1,678		1,615		3,293		349,839		353,132
Real estate mortgage - farmland and other commercial enterprises		857		2,843		3,700		365,594		369,294
Commercial:
Commercial and industrial		-		13		13		52,300		52,313
States and political subdivisions		-		-		-		21,037		21,037
Lease financing, net		50		-		50		-		50
Other		5		-		5		19,328		19,333
Consumer:
Secured		34		-		34		7,118		7,152
Unsecured		223		-		223		4,860		5,083
Total	$	2,925	$	4,743	$	7,668	$	925,637	$	933,305

December 31, 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	$	-	$	272	$	272	$	96,773	$	97,045
Real estate mortgage - residential		1,395		1,595		2,990		358,032		361,022
Real estate mortgage - farmland and other commercial enterprises		75		3,484		3,559		371,718		375,277
Commercial:
Commercial and industrial		-		13		13		47,099		47,112
States and political subdivisions		-		-		-		22,369		22,369
Lease financing, net		-		-		-		158		158
Other		40		7		47		15,500		15,547
Consumer:
Secured		58		-		58		7,905		7,963
Unsecured		16		1		17		5,433		5,450
Total	$	1,584	$	5,372	$	6,956	$	924,987	$	931,943

Financing Receivable Credit Quality Indicators [Table Text Block]

	Real Estate						Commercial
June 30, 2015 (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	$	90,470	$	319,315	$	325,928	$	50,851	$	21,037	$	50	$	19,310
Special Mention		4,200		14,337		25,606		981		-		-		-
Substandard		11,241		19,480		17,760		481		-		-		23
Doubtful		-		-		-		-		-		-		-
Total	$	105,911	$	353,132	$	369,294	$	52,313	$	21,037	$	50	$	19,333

	Real Estate						Commercial
December 31, 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	$	81,438	$	326,124	$	327,019	$	45,665	$	22,369	$	158	$	15,526
Special Mention		2,674		16,429		27,855		946		-		-		14
Substandard		12,933		18,469		19,941		501		-		-		7
Doubtful		-		-		462		-		-		-		-
Total	$	97,045	$	361,022	$	375,277	$	47,112	$	22,369	$	158	$	15,547

Credit Quality Consumer Loans [Table Text Block]

	June 30, 2015				December 31, 2014
	Consumer				Consumer
(In thousands)	Secured		Unsecured		Secured		Unsecured
Credit risk profile based on payment activity:
Performing	$	7,140	$	4,933	$	7,963	$	5,441
Nonperforming		12		150		-		9
Total	$	7,152	$	5,083	$	7,963	$	5,450

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,	2015						2014
(In thousands)	Average		Interest Income Recognized		Cash Basis Interest Recognized		Average		Interest Income Recognized		Cash Basis Interest Recognized
Real Estate
Real estate mortgage - construction and land development	$	10,388	$	135	$	131	$	15,452	$	120	$	118
Real estate mortgage – residential		10,739		134		122		11,059		147		141
Real estate mortgage – farmland and other commercial enterprises		22,426		245		242		26,295		226		214
Commercial
Commercial and industrial		805		5		5		245		3		3
Consumer
Secured		-		-		-		-		-		-
Unsecured		167		2		2		68		-		-
Total	$	44,525	$	521	$	502	$	53,119	$	496	$	476

Six Months Ended June 30,	2015						2014
(In thousands)	Average		Interest Income Recognized		Cash Basis Interest Recognized		Average		Interest Income Recognized		Cash Basis Interest Recognized
Real Estate
Real estate mortgage - construction and land development	$	10,754	$	216	$	211	$	15,537	$	233	$	229
Real estate mortgage – residential		10,597		255		243		11,384		262		250
Real estate mortgage – farmland and other commercial enterprises		23,913		525		519		30,222		480		458
Commercial
Commercial and industrial		621		6		6		247		4		3
Consumer
Secured		-		-		-		9		-		-
Unsecured		96		2		2		69		4		3
Total	$	45,981	$	1,004	$	981	$	57,468	$	983	$	943